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I have turned one on max now as well. Can you hear it any better? Yeah. Okay. Perfect. Thank you for returning my callback. I had to look in for your annual review. Is now still a good time, or are you busy? Yeah. Okay. No. That works for me. Now before I do jump into the under review, I do like to usually start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just just a bit of a catch up and see where everything's at? Yeah. Yeah. Perfect. So what I have done, which is a little bit hard for you, obviously, when you're on the phone, is part of the interview, I have sent you some documents. I'll go through them briefly with you now. And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them. But one of the documents is your performance report with hub twenty four, and that breaks down all your current investment. Sorry. What was that? Sorry? Either or. So Hub twenty four, that's where we have your super funds. Now the they do have a app as well. So you can access it on your on the website, or you can download an app on your smartphone. Now I use Hub twenty four for my personal super as well, and I just have the little app on my phone, which is quite convenient. Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform. But once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features. So when you if you do get access to it, there's a little drop down, and it's called reports. And then you can actually choose different time frames. So you could do, like, three months or six months or twelve months or whatever time frame you want, and then you can click a lot of different reports to to give you a bit more if you are wanting that as well. So it's quite handy. I can give you your login ID, but you would have to reset your password. Obviously, if you are driving, I can get the team to email that to you after the call if that would be more convenient. Yeah. Perfect. So I'll get them through, yeah, email you your client's ID, which you need, and then you can just press, like, reset password or create password if you haven't done one before. Now with your portfolio, if I do go back to that, like I said, the report shows you a twelve month period of your portfolio. And, obviously, are you quite familiar with, like, the markets and everything? Somewhat? Yeah. Yep. Okay. So it sounds like you're pretty pretty fairly across it, which is great. But with the the report, like I said, it shows you a twelve month period. Now, obviously, the last twelve months, as you would know from, obviously, the news and everything, we have seen quite a bit of fluctuation in the market. Despite all of that, though, your portfolio as a whole now we are also invested in a aggressive portfolio for you. Do you remember what it means to be an aggressive investor at all? Yeah. So it's kind of obviously for tailored for investors who are wanting to maximize growth as much as possible. But, obviously, short term, you will see higher fluctuations because the goal is long term that growth. But short term, especially when what's that? Sorry? You got you got the time. And so when, obviously, we do see a bit of cyclical trends and market fluctuations, what can happen in the aggressive portfolio is that we see more of those fluctuations because we are heavily invested in your growth investment. So you will see about 95 to a 100% invested in your your growth investment. And having a look at your portfolio, you the minimum in Hub twenty four cash balance is 1.25%, and that is just to cover, you know, fees and stuff like that. The rest in your portfolio is investing those growth investments. So you don't really have any defensive investments. Everything is in growth investments, which would be things like Australian shares, international shares, and property as well, and that will give you the growth long term. Because you don't obviously have any defensive investment, when there are fluctuations in the market, you don't have anything to kind of stabilize and smooth things out. Now if you do have twelve years till kind of when you wanna access SOFA, that's no concern from a time frame point of view because, typically, in an aggressive portfolio, ideally, we would like to see about ten years for retirement to make sure you have enough time for those kind of fluctuations to come back around on the short term. So time frame wise, it does align with if you are saying around twelve years. As long as you are still kind of comfortable with those kind of short term, bigger fluctuations, is that still something you are comfortable with as long as, obviously, long term, you will see that growth? Yep. Perfect. So with your portfolio, like I said, because we do have you in aggressive portfolio, it can see quite a bit of more short term fluctuations. Despite all of that, though, it's still done pretty good, given the last twelve months. So in the last twelve months, this is first as a whole, after fees after all fees have been deducted from your account, your portfolio has still gone up by 7.48%, which is pretty good given the the market in the last twelve months, and that we do have you in an aggressive portfolio. So your current balance is 297,371 and 37¢. Yep. It's also on the document as well if you do wanna have a look at it. Now when you do break down your individual investments, you will see a bit of a mix. So you have one managed fund in your portfolio, and that is your Benelon Australian equity. So that one invests in Australian equity. And how that one is a little bit different to your other ETFs is that they are actually buying and selling different investments in order to try to outperform the market. Now Benelung had done really well up to quite recently, but more shorter term, they've been a little bit slower in making their investment decisions. They were also invested in the corporate travel group, which you may have heard of. They had a bit of issues with their reporting anyway, so there was a bit of it had to be suspended. So it did also cause a bit of fluctuation through your Benelung investment. So the investment committee would do research on your investments all the time because at the same time, obviously, the markets are always changing. So we wanna make sure we are obviously proactive with your investments, that if it is a need that we foresee, well, one investment might not be the best thing moving forward, then we wanna obviously do more research and see, okay. Well, can we potentially change this to an alternative option for you? So if you are happy for me to do so, I would like to look at potentially changing your bend along for you. If I can, yeah, if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother. So I will go and do some research. Does it all make sense so far, Peter? Yeah. Perfect. Now, otherwise, in your investments, you do have cybersecurity. So that is an ETF investing in cybersecurity companies. That one did pretty good even though it's seen quite a bit of fluctuations. So the last twelve months, that was up by 31.57%, which was pretty good. You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology. The need for cybersecurity is there. So we don't really foresee it not being a good investment, and it is something we are researching, but it is one that fluctuates. So it's more of your satellite investment. So we do see a little bit smaller portion allocated to it because it can fluctuate, but it's still very much one of those investments that do have good growth opportunities because of, obviously, the cybersecurity space. Yeah. Now you also have one investment which is the s and p five hundred. That one is a little bit different to your traditional investment. So your iShares s and p five hundred, for example, it just invests in the 500 largest companies listed in The US. The biggest companies have a bigger portion allocated to the investments, and smaller companies have a smaller percentage. That's your did not. Yeah. Now the one that we currently have in your portfolio, it's called an equal weight. So what that means is that all 500 companies literally have an equal split. So the biggest companies aren't over weighted or the smallest companies smaller. So what can happen, obviously, with fluctuations, they they can do really well because you kind of spread things out and you can get more growth if the smaller companies are doing really well. But then at the same time, when the really big companies are doing fantastic, you're not 100, your technology companies and everything. That one had done really well as well, eighteen point eight five. Still a very good investment. You also have another one, which is your beta shares, Raffi Australia two hundred. That one has only done about 0.75%. And that is also because the Australian market hasn't done as well as The US in the last twelve months as well overall. And the beta shares roughly Australia, it does invest in Australian companies, but it is instead of kind of your traditional ones that, again, are weighted by size of the company, this one kind of invests in the fundamental measures of different way of choosing companies. Still a good investment, though. And then you also have Battery x Tech and Lithium. That one has been a bit of up and down the last twelve months. Overall, right now, it's up at 18.99, which is pretty good because it has been quite a bit of fluctuations. More recently, took a pretty big jump, and, obviously, everything with fuel prices and the war and everything, the need for, obviously, electric vehicles took a bit of a bit of a jump. So that one has seen a a bit of a increase. We have one as well. So your more kind of emerging markets like you touched on, which is a VanEck China new investment. That one has underperformed at least a bit recently, which can happen with your emerging markets, and that's down by about 2.51%. And then property, you have as well, and that's obviously, if you would have seen by the news as well, it's been a bit of fluctuations in the property market. That one correct. Some places, amazing, and, obviously, kind of a little bit of up and down. But that one is yes. Yes. And that's probably, hopefully, flowing onto the Gold Coast where we are at as well with that. Yeah. Yeah. I read that too. I think they're building they're building quite a bit in in Brisbane or looking to buy quite a bit in build in Brisbane, which will oh, really? Oh, wow. Is that the only big one? Do you know? Or Yeah. Yes. Yeah. Yeah. Okay. Yeah. They'll probably have to do a little bit of upgrades with everything, but that that will be good, especially for for property and and stuff and rentals as well. So, yeah, overall, it's still done pretty good. But like I said, it is good to reassess your investments, especially with everything going on in the market and the world. So if you're happy for me to do so, I will go and do a bit more kind of in-depth research on your investments, especially that Benelon. And if I do find some other options for you, I will put a proposal together, go through it with you, and then you can let me know what you think. Yep. Perfect. Now, otherwise, I will try to make it quick for you if you have to go. That was basically your what was that? Sorry. Okay. Can you talk at the same time or not really? Yeah. Okay. Perfect. No. That's all good. As long as you can hear me, that's all good. Now, obviously, aside from Super, we don't have any insurances for you at the moment. You you are still happy with that. Do you have any questions in regards to insurances? Yep. Yeah. Yeah. I did read that. Sorry. If if you do yep. That's good. Yeah. Yeah. If it does come down and a bit more kind of that that stable range, let me know, and then we can always have a look at your insurances again for you at any point in time. It doesn't have to be a review time. You can just give me a call, if you wanna revisit. Yep. Anytime, or we can have a look at it. Now in the documents as well, you will see, a couple of other ones. You will see a financial services guide. You would have seen this one before, so I'll kind of skip over it. Just the updated version. One of those compliance documents that gives you all the important information in regards to us. All the team director's advices are in there. If you do wanna put a face to the voice, I'm also there on page nine, I believe. And there are two documents that we'll need signing if you're happy for that when you have a moment. One is an ongoing advice fee, and that is just to say that you are happy to stay on with the client, same as your last under review. There's no changes, though, in regards to the fee structure. It stays exactly the same at 1.65. No changes. No lock in contract. So if at any point in time, you are not happy. No lock in contract. But finding this just lets us service and manage your account and everything for you in the meantime. Correct. Yes. Sorry. That should be have a look through spam as well because we have changed the software recently. So it could it could be there as well. Now the last thing I'll do quickly run through that with you, Peter, and I'll tryna make it really quick. It is just an updated fact fine, and that's just because needing to see if we need to make any further changes to your advice. But then, also, because I am putting a proposal together for your investments, I wanna make sure I have all the correct information. So I'll try to make it quick for you. Now personal information, I have you down here as a marriage with two financial dependents. Is that correct? Yep. Perfect. I do have here your, wife nominated as a Next Stop Kin phone number ending in 011. That's also correct? Lisa? Yes. That's not right? Okay. I will update that. Do you know what it is? O four eight seven. Yep. Six three, 5555. Beautiful. I will update that, make sure we have the right one. Now occupation wise, still working as a courier, or has anything changed? Yep. Perfect. And are you still working as a sole trader? Yep. Perfect. Now last time, I think you spoke to my colleague, Dana, you'd kind of been in the role for about six months or so, so you weren't overly sure of your income at the time. We had had yeah. And income wise, do you have do you pay yourself about 80,000? About that. K. And you said as well with contribution. So do you because, obviously, as a sole trader, it's up to you to make those contributions. Do you yeah. Is that something you are wanting to do as well? You can do it either way. So the as a sole trader, you can do it you can have it set it up automatically so it comes out of your account, or you can and you can do that regularly, or you can have it like, do it manually whenever you have, like, a little bit of spare cash or anything you wanna put in. Yeah. Do you have any amount do you think you wanna do? Yeah. No. That's okay. So what I can do is, well, is I will get the team so when they email you their their ID so you can log in to Hub twenty four, I'll get them to include your contribution information in an email so that you have it. Now, obviously, as a self employed, because you will make contributions basically from your bank account, which is after tax contribution. They would go in through super as after tax. But then what we can do is we can help before the end of the financial year each year for you is that we can help you do a notice of intensive claim, it's called. Basically, what it means is that we'd we can change the contributions to pretax and save you a little bit in in tax by doing so. So if it yeah. So if it is something you wanted to do, just be mindful because the end of the financial year is coming up soon. So if it is that you're wanting to make a little bit of contributions this year, I would suggest doing it next week, probably the exact especially before before Thursday, ideally. You can respond to the email that my colleague, Whitlam, will send you with the contribution details. Let us know if you've done it and that you want to claim the the notice of intent, and then he can assist you with the forms of doing so. With the contributions, just something to be mindful of, obviously, is that once you put it into super, it is locked in until you meet a condition of release. So for example, deciding to retire, stop working at 60. Otherwise, it will be locked in for you. The good thing is that it will continue to grow your superannuation, and it is a tax effective way of doing it. There is also a contribution cap. So pretax contribution, there is a cap of 30,000 each financial year. Are you thinking of doing okay. Perfect. It's just something I do wanna flag. If there ever is a situation where you go, oh, I've come in through a bit of money or I have a bit of extra, can I put it in? How much can I put it in? If you're wanting to do a little bit larger amount, just give me a call because I would just like to run that number for you. Yeah. Sure. No. That's all good. Now with the investment, so when I put together the proposal for you, that obviously changes depending on your contributions. Because when you put contributions in, it's going to compound. So I can do two options for you. I can do one with no contributions to show you. And then do you have a rough like, if you were to just give me a rough weekly, how much do you think 100 calls? And then I'll and then I'll show you what $100 per week would look like just so that you can then kind of see the compounding effect of that as well. Would you like me to, part of the research, put together a strategy of showing you how the $100 per week, like, what the actual, like, making that into a recommendation and showing you the tax savings and everything in regards to the $100 per week? Yeah. Yeah? Alright. Perfect. I will add that. Yeah. Yep. Okay. Perfect. I will include a $100 there for you per week. Now yeah. Yeah. I can do that for you. Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you. It is good to do it weekly because it's dollar cost averaging. So, obviously, you're buying sometimes when the market's high, sometimes when it's low. So you will kind of average things out. Whereas if you do a lump sum, if at the time the market's really high, then, obviously, you're not gonna get as much. Or if you're really lucky, it's down. So dollar cost averaging is a great way of doing it. So I will factor that in. Now the last thing, otherwise, is just assets. I do need to just triple check that for you. I have your property at 1.2 mil. Is that still roughly the case? About that and about 70 thousand. Yeah? 1.4? Okay. I can update that. That's great. So 1.4 mortgage about 70. Seventy thousand. Yeah? Or is there is there a zero missing here? Is it 700? Okay. Perfect. I was like, oh, that's really good. I'm probably for 1.4 now. Perfect. I also have here a motor vehicle ride at about twenty five thousand. Yep. And then a boat about 5,000. Perfect. And nothing owing on either of those? No. Any other assets or any liabilities that we haven't gone over, like personal loans or anything else? Not perfect. Changes in health and lifestyle. Otherwise, I know you said you're obviously exercising, which is fantastic. Any other changes? Like, have you had any health issues or injuries or anything like that? No. Perfect. Still a nonsmoker as well? Yep. Beautiful. Last thing is estate planning wise. Do you guys have a will in place or power of attorney? Yep. Do you know? Nope. No. That's okay. Now I do have here as well. So for your superannuation, we don't currently have a valid nomination. So that is someone that you would like to ensure gets your super if something were to happen to you. Do you know who you would like that person to be? If something so for your superannuation, because your super does not form part of your estate, we can do a separate nomination, just a quick form. It does have to be web signed, though, to make sure that your superannuation goes through the person that you would like it to go through if something ever were to happen to you. So if something were to happen. No. We have her as next of kin, but not on the actual legal forms. Would you like it to be her? Yep. Okay. So because it is a legal nomination, I have to get the the team to send you the forms because they have to be wet signed and witnessed. Do you have access to a printer, or do you prefer post? Post? Okay. Perfect. I will get the team to post that out to you. Keep an eye on the post. Complete them when you have a moment. Send them back, and we can make sure that's uploaded with Hub twenty four for you. Perfect. Now is there anything else you would like me to go over with? Any other goals or anything that you need assistance with? No? Perfect. Hopefully, it wasn't too quick for you. I'll try to make it as time efficient for you as I can. Now while I do have you on the phone, it will take me about a week or so to put together this research for your investments and the contribution. Do you have any time Wednesday, Thursday next week at all? Thursday afternoon? Alright. Let me have a look. Would 03:00 work? Yep. Alright. I'll lock that in on Thursday, June 18 at 3PM. I'll give you a call and run through any potential changes with your investments, and then we can take it from there. Beautiful. No worries at all. Thank you so much, Peter, and I look forward to speaking with you next Thursday. Yes? Veronica. Yes. Correct. Yep. Keep a look at on the inbox as well when you have a moment just for those documents. Yep. Beautiful. Well, thank you so much, Peter, and I look forward to speaking with you next week. You too. Speak soon. 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This is Randa speaking. Hello? Is this Peter? Yeah.\n\nCan you hear me okay? Let me see. I yeah. Mine's on yeah. I can hear you okay.\n\nIt kind of drops out a little bit. I have turned one on max now as well. Can you hear it any better? Yeah. Okay.\n\nPerfect. Thank you for returning my callback. I had to look in for your annual review. Is now still a good time, or are you busy? Yeah.\n\nOkay. No. That works for me. Now before I do jump into the under review, I do like to usually start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just just a bit of a catch up and see where everything's at? Yeah.\n\nYeah. Perfect. So what I have done, which is a little bit hard for you, obviously, when you're on the phone, is part of the interview, I have sent you some documents. I'll go through them briefly with you now. And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them.\n\nBut one of the documents is your performance report with hub twenty four, and that breaks down all your current investment. Sorry. What was that? Sorry? Either or.\n\nSo Hub twenty four, that's where we have your super funds. Now the they do have a app as well. So you can access it on your on the website, or you can download an app on your smartphone. Now I use Hub twenty four for my personal super as well, and I just have the little app on my phone, which is quite convenient. Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform.\n\nBut once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features. So when you if you do get access to it, there's a little drop down, and it's called reports. And then you can actually choose different time frames. So you could do, like, three months or six months or twelve months or whatever time frame you want, and then you can click a lot of different reports to to give you a bit more if you are wanting that as well. So it's quite handy.\n\nI can give you your login ID, but you would have to reset your password. Obviously, if you are driving, I can get the team to email that to you after the call if that would be more convenient. Yeah. Perfect. So I'll get them through, yeah, email you your client's ID, which you need, and then you can just press, like, reset password or create password if you haven't done one before.\n\nNow with your portfolio, if I do go back to that, like I said, the report shows you a twelve month period of your portfolio. And, obviously, are you quite familiar with, like, the markets and everything? Somewhat? Yeah. Yep.\n\nOkay. So it sounds like you're pretty pretty fairly across it, which is great. But with the the report, like I said, it shows you a twelve month period. Now, obviously, the last twelve months, as you would know from, obviously, the news and everything, we have seen quite a bit of fluctuation in the market. Despite all of that, though, your portfolio as a whole now we are also invested in a aggressive portfolio for you.\n\nDo you remember what it means to be an aggressive investor at all? Yeah. So it's kind of obviously for tailored for investors who are wanting to maximize growth as much as possible. But, obviously, short term, you will see higher fluctuations because the goal is long term that growth. But short term, especially when what's that?\n\nSorry? You got you got the time. And so when, obviously, we do see a bit of cyclical trends and market fluctuations, what can happen in the aggressive portfolio is that we see more of those fluctuations because we are heavily invested in your growth investment. So you will see about 95 to a 100% invested in your your growth investment. And having a look at your portfolio, you the minimum in Hub twenty four cash balance is 1.25%, and that is just to cover, you know, fees and stuff like that.\n\nThe rest in your portfolio is investing those growth investments. So you don't really have any defensive investments. Everything is in growth investments, which would be things like Australian shares, international shares, and property as well, and that will give you the growth long term. Because you don't obviously have any defensive investment, when there are fluctuations in the market, you don't have anything to kind of stabilize and smooth things out. Now if you do have twelve years till kind of when you wanna access SOFA, that's no concern from a time frame point of view because, typically, in an aggressive portfolio, ideally, we would like to see about ten years for retirement to make sure you have enough time for those kind of fluctuations to come back around on the short term.\n\nSo time frame wise, it does align with if you are saying around twelve years. As long as you are still kind of comfortable with those kind of short term, bigger fluctuations, is that still something you are comfortable with as long as, obviously, long term, you will see that growth? Yep. Perfect. So with your portfolio, like I said, because we do have you in aggressive portfolio, it can see quite a bit of more short term fluctuations.\n\nDespite all of that, though, it's still done pretty good, given the last twelve months. So in the last twelve months, this is first as a whole, after fees after all fees have been deducted from your account, your portfolio has still gone up by 7.48%, which is pretty good given the the market in the last twelve months, and that we do have you in an aggressive portfolio. So your current balance is 297,371 and 37¢. Yep. It's also on the document as well if you do wanna have a look at it.\n\nNow when you do break down your individual investments, you will see a bit of a mix. So you have one managed fund in your portfolio, and that is your Benelon Australian equity. So that one invests in Australian equity. And how that one is a little bit different to your other ETFs is that they are actually buying and selling different investments in order to try to outperform the market. Now Benelung had done really well up to quite recently, but more shorter term, they've been a little bit slower in making their investment decisions.\n\nThey were also invested in the corporate travel group, which you may have heard of. They had a bit of issues with their reporting anyway, so there was a bit of it had to be suspended. So it did also cause a bit of fluctuation through your Benelung investment. So the investment committee would do research on your investments all the time because at the same time, obviously, the markets are always changing. So we wanna make sure we are obviously proactive with your investments, that if it is a need that we foresee, well, one investment might not be the best thing moving forward, then we wanna obviously do more research and see, okay.\n\nWell, can we potentially change this to an alternative option for you? So if you are happy for me to do so, I would like to look at potentially changing your bend along for you. If I can, yeah, if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother. So I will go and do some research. Does it all make sense so far, Peter?\n\nYeah. Perfect. Now, otherwise, in your investments, you do have cybersecurity. So that is an ETF investing in cybersecurity companies. That one did pretty good even though it's seen quite a bit of fluctuations.\n\nSo the last twelve months, that was up by 31.57%, which was pretty good. You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology. The need for cybersecurity is there. So we don't really foresee it not being a good investment, and it is something we are researching, but it is one that fluctuates. So it's more of your satellite investment.\n\nSo we do see a little bit smaller portion allocated to it because it can fluctuate, but it's still very much one of those investments that do have good growth opportunities because of, obviously, the cybersecurity space. Yeah. Now you also have one investment which is the s and p five hundred. That one is a little bit different to your traditional investment. So your iShares s and p five hundred, for example, it just invests in the 500 largest companies listed in The US.\n\nThe biggest companies have a bigger portion allocated to the investments, and smaller companies have a smaller percentage. That's your did not. Yeah. Now the one that we currently have in your portfolio, it's called an equal weight. So what that means is that all 500 companies literally have an equal split.\n\nSo the biggest companies aren't over weighted or the smallest companies smaller. So what can happen, obviously, with fluctuations, they they can do really well because you kind of spread things out and you can get more growth if the smaller companies are doing really well. But then at the same time, when the really big companies are doing fantastic, you're not 100, your technology companies and everything. That one had done really well as well, eighteen point eight five. Still a very good investment.\n\nYou also have another one, which is your beta shares, Raffi Australia two hundred. That one has only done about 0.75%. And that is also because the Australian market hasn't done as well as The US in the last twelve months as well overall. And the beta shares roughly Australia, it does invest in Australian companies, but it is instead of kind of your traditional ones that, again, are weighted by size of the company, this one kind of invests in the fundamental measures of different way of choosing companies. Still a good investment, though.\n\nAnd then you also have Battery x Tech and Lithium. That one has been a bit of up and down the last twelve months. Overall, right now, it's up at 18.99, which is pretty good because it has been quite a bit of fluctuations. More recently, took a pretty big jump, and, obviously, everything with fuel prices and the war and everything, the need for, obviously, electric vehicles took a bit of a bit of a jump. So that one has seen a a bit of a increase.\n\nWe have one as well. So your more kind of emerging markets like you touched on, which is a VanEck China new investment. That one has underperformed at least a bit recently, which can happen with your emerging markets, and that's down by about 2.51%. And then property, you have as well, and that's obviously, if you would have seen by the news as well, it's been a bit of fluctuations in the property market. That one correct.\n\nSome places, amazing, and, obviously, kind of a little bit of up and down. But that one is yes. Yes. And that's probably, hopefully, flowing onto the Gold Coast where we are at as well with that. Yeah.\n\nYeah. I read that too. I think they're building they're building quite a bit in in Brisbane or looking to buy quite a bit in build in Brisbane, which will oh, really? Oh, wow. Is that the only big one?\n\nDo you know? Or Yeah. Yes. Yeah. Yeah.\n\nOkay. Yeah. They'll probably have to do a little bit of upgrades with everything, but that that will be good, especially for for property and and stuff and rentals as well. So, yeah, overall, it's still done pretty good. But like I said, it is good to reassess your investments, especially with everything going on in the market and the world.\n\nSo if you're happy for me to do so, I will go and do a bit more kind of in-depth research on your investments, especially that Benelon. And if I do find some other options for you, I will put a proposal together, go through it with you, and then you can let me know what you think. Yep. Perfect. Now, otherwise, I will try to make it quick for you if you have to go.\n\nThat was basically your what was that? Sorry. Okay. Can you talk at the same time or not really? Yeah.\n\nOkay. Perfect. No. That's all good. As long as you can hear me, that's all good.\n\nNow, obviously, aside from Super, we don't have any insurances for you at the moment. You you are still happy with that. Do you have any questions in regards to insurances? Yep. Yeah.\n\nYeah. I did read that. Sorry. If if you do yep. That's good.\n\nYeah. Yeah. If it does come down and a bit more kind of that that stable range, let me know, and then we can always have a look at your insurances again for you at any point in time. It doesn't have to be a review time. You can just give me a call, if you wanna revisit.\n\nYep. Anytime, or we can have a look at it. Now in the documents as well, you will see, a couple of other ones. You will see a financial services guide. You would have seen this one before, so I'll kind of skip over it.\n\nJust the updated version. One of those compliance documents that gives you all the important information in regards to us. All the team director's advices are in there. If you do wanna put a face to the voice, I'm also there on page nine, I believe. And there are two documents that we'll need signing if you're happy for that when you have a moment.\n\nOne is an ongoing advice fee, and that is just to say that you are happy to stay on with the client, same as your last under review. There's no changes, though, in regards to the fee structure. It stays exactly the same at 1.65. No changes. No lock in contract.\n\nSo if at any point in time, you are not happy. No lock in contract. But finding this just lets us service and manage your account and everything for you in the meantime. Correct. Yes.\n\nSorry. That should be have a look through spam as well because we have changed the software recently. So it could it could be there as well. Now the last thing I'll do quickly run through that with you, Peter, and I'll tryna make it really quick. It is just an updated fact fine, and that's just because needing to see if we need to make any further changes to your advice.\n\nBut then, also, because I am putting a proposal together for your investments, I wanna make sure I have all the correct information. So I'll try to make it quick for you. Now personal information, I have you down here as a marriage with two financial dependents. Is that correct? Yep.\n\nPerfect. I do have here your, wife nominated as a Next Stop Kin phone number ending in 011. That's also correct? Lisa? Yes.\n\nThat's not right? Okay. I will update that. Do you know what it is? O four eight seven.\n\nYep. Six three, 5555. Beautiful. I will update that, make sure we have the right one. Now occupation wise, still working as a courier, or has anything changed?\n\nYep. Perfect. And are you still working as a sole trader? Yep. Perfect.\n\nNow last time, I think you spoke to my colleague, Dana, you'd kind of been in the role for about six months or so, so you weren't overly sure of your income at the time. We had had yeah. And income wise, do you have do you pay yourself about 80,000? About that. K.\n\nAnd you said as well with contribution. So do you because, obviously, as a sole trader, it's up to you to make those contributions. Do you yeah. Is that something you are wanting to do as well? You can do it either way.\n\nSo the as a sole trader, you can do it you can have it set it up automatically so it comes out of your account, or you can and you can do that regularly, or you can have it like, do it manually whenever you have, like, a little bit of spare cash or anything you wanna put in. Yeah. Do you have any amount do you think you wanna do? Yeah. No.\n\nThat's okay. So what I can do is, well, is I will get the team so when they email you their their ID so you can log in to Hub twenty four, I'll get them to include your contribution information in an email so that you have it. Now, obviously, as a self employed, because you will make contributions basically from your bank account, which is after tax contribution. They would go in through super as after tax. But then what we can do is we can help before the end of the financial year each year for you is that we can help you do a notice of intensive claim, it's called.\n\nBasically, what it means is that we'd we can change the contributions to pretax and save you a little bit in in tax by doing so. So if it yeah. So if it is something you wanted to do, just be mindful because the end of the financial year is coming up soon. So if it is that you're wanting to make a little bit of contributions this year, I would suggest doing it next week, probably the exact especially before before Thursday, ideally. You can respond to the email that my colleague, Whitlam, will send you with the contribution details.\n\nLet us know if you've done it and that you want to claim the the notice of intent, and then he can assist you with the forms of doing so. With the contributions, just something to be mindful of, obviously, is that once you put it into super, it is locked in until you meet a condition of release. So for example, deciding to retire, stop working at 60. Otherwise, it will be locked in for you. The good thing is that it will continue to grow your superannuation, and it is a tax effective way of doing it.\n\nThere is also a contribution cap. So pretax contribution, there is a cap of 30,000 each financial year. Are you thinking of doing okay. Perfect. It's just something I do wanna flag.\n\nIf there ever is a situation where you go, oh, I've come in through a bit of money or I have a bit of extra, can I put it in? How much can I put it in? If you're wanting to do a little bit larger amount, just give me a call because I would just like to run that number for you. Yeah. Sure.\n\nNo. That's all good. Now with the investment, so when I put together the proposal for you, that obviously changes depending on your contributions. Because when you put contributions in, it's going to compound. So I can do two options for you.\n\nI can do one with no contributions to show you. And then do you have a rough like, if you were to just give me a rough weekly, how much do you think 100 calls? And then I'll and then I'll show you what $100 per week would look like just so that you can then kind of see the compounding effect of that as well. Would you like me to, part of the research, put together a strategy of showing you how the $100 per week, like, what the actual, like, making that into a recommendation and showing you the tax savings and everything in regards to the $100 per week? Yeah.\n\nYeah? Alright. Perfect. I will add that. Yeah.\n\nYep. Okay. Perfect. I will include a $100 there for you per week. Now yeah.\n\nYeah. I can do that for you. Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you. It is good to do it weekly because it's dollar cost averaging. So, obviously, you're buying sometimes when the market's high, sometimes when it's low.\n\nSo you will kind of average things out. Whereas if you do a lump sum, if at the time the market's really high, then, obviously, you're not gonna get as much. Or if you're really lucky, it's down. So dollar cost averaging is a great way of doing it. So I will factor that in.\n\nNow the last thing, otherwise, is just assets. I do need to just triple check that for you. I have your property at 1.2 mil. Is that still roughly the case? About that and about 70 thousand.\n\nYeah? 1.4? Okay. I can update that. That's great.\n\nSo 1.4 mortgage about 70. Seventy thousand. Yeah? Or is there is there a zero missing here? Is it 700?\n\nOkay. Perfect. I was like, oh, that's really good. I'm probably for 1.4 now. Perfect.\n\nI also have here a motor vehicle ride at about twenty five thousand. Yep. And then a boat about 5,000. Perfect. And nothing owing on either of those?\n\nNo. Any other assets or any liabilities that we haven't gone over, like personal loans or anything else? Not perfect. Changes in health and lifestyle. Otherwise, I know you said you're obviously exercising, which is fantastic.\n\nAny other changes? Like, have you had any health issues or injuries or anything like that? No. Perfect. Still a nonsmoker as well?\n\nYep. Beautiful. Last thing is estate planning wise. Do you guys have a will in place or power of attorney? Yep.\n\nDo you know? Nope. No. That's okay. Now I do have here as well.\n\nSo for your superannuation, we don't currently have a valid nomination. So that is someone that you would like to ensure gets your super if something were to happen to you. Do you know who you would like that person to be? If something so for your superannuation, because your super does not form part of your estate, we can do a separate nomination, just a quick form. It does have to be web signed, though, to make sure that your superannuation goes through the person that you would like it to go through if something ever were to happen to you.\n\nSo if something were to happen. No. We have her as next of kin, but not on the actual legal forms. Would you like it to be her? Yep.\n\nOkay. So because it is a legal nomination, I have to get the the team to send you the forms because they have to be wet signed and witnessed. Do you have access to a printer, or do you prefer post? Post? Okay.\n\nPerfect. I will get the team to post that out to you. Keep an eye on the post. Complete them when you have a moment. Send them back, and we can make sure that's uploaded with Hub twenty four for you.\n\nPerfect. Now is there anything else you would like me to go over with? Any other goals or anything that you need assistance with? No? Perfect.\n\nHopefully, it wasn't too quick for you. I'll try to make it as time efficient for you as I can. Now while I do have you on the phone, it will take me about a week or so to put together this research for your investments and the contribution. Do you have any time Wednesday, Thursday next week at all? Thursday afternoon?\n\nAlright. Let me have a look. Would 03:00 work? Yep. Alright.\n\nI'll lock that in on Thursday, June 18 at 3PM. I'll give you a call and run through any potential changes with your investments, and then we can take it from there. Beautiful. No worries at all. Thank you so much, Peter, and I look forward to speaking with you next Thursday.\n\nYes? Veronica. Yes. Correct. Yep.\n\nKeep a look at on the inbox as well when you have a moment just for those documents. Yep. Beautiful. Well, thank you so much, Peter, and I look forward to speaking with you next week. You too.\n\nSpeak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.024032384157180783},{"text":"This is Randa speaking.","start":1.5999999,"end":2.74,"sentiment":"neutral","sentiment_score":0.028084338642656803},{"text":"Hello?","start":6.24,"end":6.74,"sentiment":"neutral","sentiment_score":0.017126571387052536},{"text":"Is this Peter?","start":7.04,"end":8.02,"sentiment":"neutral","sentiment_score":0.01912020208934943},{"text":"Yeah.","start":10.16,"end":10.48,"sentiment":"neutral","sentiment_score":0.00847911462187767}],"sentiment":"neutral","sentiment_score":0.02193360310047865,"num_words":10,"start":1.28,"end":10.48},{"sentences":[{"text":"Can you hear me okay?","start":10.48,"end":11.7,"sentiment":"neutral","sentiment_score":-0.005001242272555828},{"text":"Let me see.","start":14.655001,"end":15.795,"sentiment":"neutral","sentiment_score":-0.013851132243871689},{"text":"I yeah.","start":15.935,"end":20.735,"sentiment":"neutral","sentiment_score":-0.004937164019793272},{"text":"Mine's on yeah.","start":20.735,"end":23.075,"sentiment":"neutral","sentiment_score":0.013358217664062977},{"text":"I can hear you okay.","start":23.135,"end":24.255001,"sentiment":"neutral","sentiment_score":0.015805351175367834}],"sentiment":"neutral","sentiment_score":0.0023704151519470746,"num_words":18,"start":10.48,"end":24.255001},{"sentences":[{"text":"It kind of drops out a little bit.","start":24.255001,"end":26.255001,"sentiment":"neutral","sentiment_score":-0.2220353614538908},{"text":"I have turned one on max now as well.","start":26.255001,"end":28.61,"sentiment":"neutral","sentiment_score":-0.0345602250761456},{"text":"Can you hear it any better?","start":28.61,"end":29.91,"sentiment":"neutral","sentiment_score":-0.08140263706445694},{"text":"Yeah.","start":32.93,"end":33.33,"sentiment":"neutral","sentiment_score":0.1085190251469612},{"text":"Okay.","start":33.33,"end":33.83,"sentiment":"neutral","sentiment_score":0.23445144295692444}],"sentiment":"neutral","sentiment_score":-0.0893108108639717,"num_words":25,"start":24.255001,"end":33.83},{"sentences":[{"text":"Perfect.","start":34.05,"end":34.55,"sentiment":"positive","sentiment_score":0.6130231022834778},{"text":"Thank you for returning my callback.","start":35.81,"end":37.59,"sentiment":"positive","sentiment_score":0.6569643417994181},{"text":"I had to look in for your annual review.","start":38.21,"end":40.585,"sentiment":"neutral","sentiment_score":0.29302511115868884},{"text":"Is now still a good time, or are you busy?","start":40.585,"end":42.845,"sentiment":"neutral","sentiment_score":0.2281975641846657},{"text":"Yeah.","start":46.505,"end":46.905,"sentiment":"neutral","sentiment_score":0.0830732136964798}],"sentiment":"positive","sentiment_score":0.3539660744093083,"num_words":27,"start":34.05,"end":46.905},{"sentences":[{"text":"Okay.","start":46.905,"end":47.225,"sentiment":"neutral","sentiment_score":0.07409552484750748},{"text":"No.","start":47.225,"end":47.465,"sentiment":"neutral","sentiment_score":0.06960602104663849},{"text":"That works for me.","start":47.465,"end":48.765,"sentiment":"neutral","sentiment_score":0.16499390359967947},{"text":"Now before I do jump into the under review, I do like to usually start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just just a bit of a catch up and see where everything's at?","start":50.265,"end":66.86,"sentiment":"neutral","sentiment_score":0.09358956525891514},{"text":"Yeah.","start":78.96,"end":79.46,"sentiment":"neutral","sentiment_score":-0.0001989351585507393}],"sentiment":"neutral","sentiment_score":0.095837311748641,"num_words":66,"start":46.905,"end":79.46},{"sentences":[{"text":"Yeah.","start":82.159996,"end":82.659996,"sentiment":"neutral","sentiment_score":0.15989109873771667},{"text":"Perfect.","start":82.799995,"end":83.299995,"sentiment":"neutral","sentiment_score":0.29597580432891846},{"text":"So what I have done, which is a little bit hard for you, obviously, when you're on the phone, is part of the interview, I have sent you some documents.","start":83.52,"end":91.38,"sentiment":"neutral","sentiment_score":0.02280889277656873},{"text":"I'll go through them briefly with you now.","start":92.685,"end":95.985,"sentiment":"neutral","sentiment_score":0.1172200758010149},{"text":"And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them.","start":96.045,"end":103.325,"sentiment":"neutral","sentiment_score":0.07459442648622724}],"sentiment":"neutral","sentiment_score":0.06107378817761122,"num_words":67,"start":82.159996,"end":103.325},{"sentences":[{"text":"But one of the documents is your performance report with hub twenty four, and that breaks down all your current investment.","start":103.325,"end":112.77,"sentiment":"neutral","sentiment_score":0.06029982031101272},{"text":"Sorry.","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":-0.08069419860839844},{"text":"What was that?","start":118.604996,"end":119.325,"sentiment":"neutral","sentiment_score":-0.09951040645440419},{"text":"Sorry?","start":119.325,"end":119.825,"sentiment":"neutral","sentiment_score":-0.07722561061382294},{"text":"Either or.","start":124.365,"end":125.005,"sentiment":"neutral","sentiment_score":-0.04755974002182484}],"sentiment":"neutral","sentiment_score":0.025525918496506556,"num_words":28,"start":103.325,"end":125.005},{"sentences":[{"text":"So Hub twenty four, that's where we have your super funds.","start":125.005,"end":127.825,"sentiment":"neutral","sentiment_score":0.044659384272315285},{"text":"Now the they do have a app as well.","start":128.44499,"end":132.01,"sentiment":"neutral","sentiment_score":0.23677389489279854},{"text":"So you can access it on your on the website, or you can download an app on your smartphone.","start":132.01,"end":138.65,"sentiment":"neutral","sentiment_score":0.1594187691807747},{"text":"Now I use Hub twenty four for my personal super as well, and I just have the little app on my phone, which is quite convenient.","start":138.65,"end":146.765,"sentiment":"neutral","sentiment_score":0.18955481310303396},{"text":"Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform.","start":146.905,"end":155.085,"sentiment":"neutral","sentiment_score":-0.023852619485786326}],"sentiment":"neutral","sentiment_score":0.1094443069177342,"num_words":91,"start":125.005,"end":155.085},{"sentences":[{"text":"But once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features.","start":155.545,"end":166.38,"sentiment":"neutral","sentiment_score":0.29739625770144346},{"text":"So when you if you do get access to it, there's a little drop down, and it's called reports.","start":166.92,"end":172.86,"sentiment":"neutral","sentiment_score":0.11233482039288471},{"text":"And then you can actually choose different time frames.","start":173.38501,"end":175.865,"sentiment":"neutral","sentiment_score":0.10546943876478407},{"text":"So you could do, like, three months or six months or twelve months or whatever time frame you want, and then you can click a lot of different reports to to give you a bit more if you are wanting that as well.","start":175.865,"end":186.185,"sentiment":"neutral","sentiment_score":0.10394792813201283},{"text":"So it's quite handy.","start":186.185,"end":187.325,"sentiment":"neutral","sentiment_score":0.17730537429451942}],"sentiment":"neutral","sentiment_score":0.17634323714622135,"num_words":116,"start":155.545,"end":187.325},{"sentences":[{"text":"I can give you your login ID, but you would have to reset your password.","start":193.53,"end":199.70999,"sentiment":"neutral","sentiment_score":0.0328193419923385},{"text":"Obviously, if you are driving, I can get the team to email that to you after the call if that would be more convenient.","start":199.85,"end":206.685,"sentiment":"neutral","sentiment_score":0.0550385481522729},{"text":"Yeah.","start":207.625,"end":208.125,"sentiment":"positive","sentiment_score":0.4026297926902771},{"text":"Perfect.","start":208.265,"end":208.765,"sentiment":"positive","sentiment_score":0.6697455644607544},{"text":"So I'll get them through, yeah, email you your client's ID, which you need, and then you can just press, like, reset password or create password if you haven't done one before.","start":210.265,"end":220.06999,"sentiment":"neutral","sentiment_score":0.18155292980372906}],"sentiment":"neutral","sentiment_score":0.1191134848823286,"num_words":73,"start":193.53,"end":220.06999},{"sentences":[{"text":"Now with your portfolio, if I do go back to that, like I said, the report shows you a twelve month period of your portfolio.","start":222.20999,"end":231.59,"sentiment":"neutral","sentiment_score":0.1232406410574913},{"text":"And, obviously, are you quite familiar with, like, the markets and everything?","start":231.73,"end":236.485,"sentiment":"neutral","sentiment_score":0.04709612795462211},{"text":"Somewhat?","start":239.345,"end":239.845,"sentiment":"neutral","sentiment_score":0.02149981819093227},{"text":"Yeah.","start":244.785,"end":245.285,"sentiment":"neutral","sentiment_score":0.06452123820781708},{"text":"Yep.","start":246.47,"end":246.97,"sentiment":"neutral","sentiment_score":0.019548749551177025}],"sentiment":"neutral","sentiment_score":0.09379348419606685,"num_words":40,"start":222.20999,"end":246.97},{"sentences":[{"text":"Okay.","start":255.59,"end":255.98999,"sentiment":"neutral","sentiment_score":0.19867882132530212},{"text":"So it sounds like you're pretty pretty fairly across it, which is great.","start":255.98999,"end":259.245,"sentiment":"positive","sentiment_score":0.496326187482247},{"text":"But with the the report, like I said, it shows you a twelve month period.","start":260.205,"end":264.365,"sentiment":"neutral","sentiment_score":0.09634001341958841},{"text":"Now, obviously, the last twelve months, as you would know from, obviously, the news and everything, we have seen quite a bit of fluctuation in the market.","start":264.365,"end":271.025,"sentiment":"neutral","sentiment_score":-0.02242206857988128},{"text":"Despite all of that, though, your portfolio as a whole now we are also invested in a aggressive portfolio for you.","start":273.07,"end":280.93,"sentiment":"neutral","sentiment_score":0.27150067545118783}],"sentiment":"neutral","sentiment_score":0.17132646484034403,"num_words":77,"start":255.59,"end":280.93},{"sentences":[{"text":"Do you remember what it means to be an aggressive investor at all?","start":281.07,"end":285.33,"sentiment":"neutral","sentiment_score":0.08953191855779061},{"text":"Yeah.","start":292.415,"end":292.815,"sentiment":"neutral","sentiment_score":0.13241758942604065},{"text":"So it's kind of obviously for tailored for investors who are wanting to maximize growth as much as possible.","start":292.815,"end":298.595,"sentiment":"neutral","sentiment_score":0.32095872101030853},{"text":"But, obviously, short term, you will see higher fluctuations because the goal is long term that growth.","start":298.74,"end":305.96,"sentiment":"neutral","sentiment_score":0.09502008162877139},{"text":"But short term, especially when what's that?","start":306.18,"end":308.81998,"sentiment":"neutral","sentiment_score":0.031356104117419036}],"sentiment":"neutral","sentiment_score":0.1619189885330566,"num_words":57,"start":281.07,"end":308.81998},{"sentences":[{"text":"Sorry?","start":308.81998,"end":309.31998,"sentiment":"neutral","sentiment_score":-0.011034145951271055},{"text":"You got you got the time.","start":312.67502,"end":314.135,"sentiment":"neutral","sentiment_score":0.033238414054115616},{"text":"And so when, obviously, we do see a bit of cyclical trends and market fluctuations, what can happen in the aggressive portfolio is that we see more of those fluctuations because we are heavily invested in your growth investment.","start":315.39502,"end":330.46,"sentiment":"neutral","sentiment_score":0.15596547388495544},{"text":"So you will see about 95 to a 100% invested in your your growth investment.","start":331.0,"end":338.13998,"sentiment":"neutral","sentiment_score":0.3161734640598297},{"text":"And having a look at your portfolio, you the minimum in Hub twenty four cash balance is 1.25%, and that is just to cover, you know, fees and stuff like that.","start":339.015,"end":349.195,"sentiment":"neutral","sentiment_score":0.14854370850709178}],"sentiment":"neutral","sentiment_score":0.1697663776576519,"num_words":92,"start":308.81998,"end":349.195},{"sentences":[{"text":"The rest in your portfolio is investing those growth investments.","start":349.415,"end":352.695,"sentiment":"neutral","sentiment_score":0.2230989620089531},{"text":"So you don't really have any defensive investments.","start":352.695,"end":355.04,"sentiment":"neutral","sentiment_score":0.05818260693922639},{"text":"Everything is in growth investments, which would be things like Australian shares, international shares, and property as well, and that will give you the growth long term.","start":355.98,"end":366.4,"sentiment":"neutral","sentiment_score":0.221282829840978},{"text":"Because you don't obviously have any defensive investment, when there are fluctuations in the market, you don't have anything to kind of stabilize and smooth things out.","start":367.685,"end":378.025,"sentiment":"neutral","sentiment_score":0.10675287481259417},{"text":"Now if you do have twelve years till kind of when you wanna access SOFA, that's no concern from a time frame point of view because, typically, in an aggressive portfolio, ideally, we would like to see about ten years for retirement to make sure you have enough time for those kind of fluctuations to come back around on the short term.","start":378.405,"end":400.875,"sentiment":"neutral","sentiment_score":0.17175886810066238}],"sentiment":"neutral","sentiment_score":0.16569003226485715,"num_words":134,"start":349.415,"end":400.875},{"sentences":[{"text":"So time frame wise, it does align with if you are saying around twelve years.","start":401.41498,"end":408.235,"sentiment":"neutral","sentiment_score":0.1625654046734174},{"text":"As long as you are still kind of comfortable with those kind of short term, bigger fluctuations, is that still something you are comfortable with as long as, obviously, long term, you will see that growth?","start":408.69498,"end":419.97,"sentiment":"neutral","sentiment_score":0.2018271086530553},{"text":"Yep.","start":421.55,"end":422.03,"sentiment":"neutral","sentiment_score":0.2710022032260895},{"text":"Perfect.","start":422.03,"end":422.53,"sentiment":"positive","sentiment_score":0.5346179604530334},{"text":"So with your portfolio, like I said, because we do have you in aggressive portfolio, it can see quite a bit of more short term fluctuations.","start":422.845,"end":429.26498,"sentiment":"neutral","sentiment_score":0.11462656150643642}],"sentiment":"neutral","sentiment_score":0.17076161701845216,"num_words":79,"start":401.41498,"end":429.26498},{"sentences":[{"text":"Despite all of that, though, it's still done pretty good, given the last twelve months.","start":430.04498,"end":435.005,"sentiment":"positive","sentiment_score":0.4098531154294809},{"text":"So in the last twelve months, this is first as a whole, after fees after all fees have been deducted from your account, your portfolio has still gone up by 7.48%, which is pretty good given the the market in the last twelve months, and that we do have you in an aggressive portfolio.","start":435.005,"end":455.015,"sentiment":"positive","sentiment_score":0.46194590710931355},{"text":"So your current balance is 297,371 and 37¢.","start":458.355,"end":466.455,"sentiment":"neutral","sentiment_score":0.10723530075379781},{"text":"Yep.","start":468.12,"end":468.44,"sentiment":"neutral","sentiment_score":0.27934831380844116},{"text":"It's also on the document as well if you do wanna have a look at it.","start":468.44,"end":472.53998,"sentiment":"neutral","sentiment_score":0.20495285280048847}],"sentiment":"positive","sentiment_score":0.3806679223573977,"num_words":94,"start":430.04498,"end":472.53998},{"sentences":[{"text":"Now when you do break down your individual investments, you will see a bit of a mix.","start":473.0,"end":478.84,"sentiment":"neutral","sentiment_score":0.09146025711122681},{"text":"So you have one managed fund in your portfolio, and that is your Benelon Australian equity.","start":478.84,"end":485.055,"sentiment":"neutral","sentiment_score":0.08128020074218512},{"text":"So that one invests in Australian equity.","start":485.115,"end":487.455,"sentiment":"neutral","sentiment_score":0.08213914292199272},{"text":"And how that one is a little bit different to your other ETFs is that they are actually buying and selling different investments in order to try to outperform the market.","start":487.915,"end":497.57,"sentiment":"neutral","sentiment_score":0.0660588264825844},{"text":"Now Benelung had done really well up to quite recently, but more shorter term, they've been a little bit slower in making their investment decisions.","start":498.27,"end":509.365,"sentiment":"neutral","sentiment_score":-0.13804829657077788}],"sentiment":"neutral","sentiment_score":0.02111351864490037,"num_words":96,"start":473.0,"end":509.365},{"sentences":[{"text":"They were also invested in the corporate travel group, which you may have heard of.","start":509.425,"end":513.685,"sentiment":"neutral","sentiment_score":-0.09656199663877488},{"text":"They had a bit of issues with their reporting anyway, so there was a bit of it had to be suspended.","start":514.865,"end":520.245,"sentiment":"neutral","sentiment_score":-0.20746034596647536},{"text":"So it did also cause a bit of fluctuation through your Benelung investment.","start":520.70996,"end":524.32996,"sentiment":"neutral","sentiment_score":-0.18839582686240858},{"text":"So the investment committee would do research on your investments all the time because at the same time, obviously, the markets are always changing.","start":524.47,"end":531.76996,"sentiment":"neutral","sentiment_score":-0.03121058860172828},{"text":"So we wanna make sure we are obviously proactive with your investments, that if it is a need that we foresee, well, one investment might not be the best thing moving forward, then we wanna obviously do more research and see, okay.","start":531.99,"end":545.28503,"sentiment":"neutral","sentiment_score":-0.029870467437874703}],"sentiment":"neutral","sentiment_score":-0.08919875411235768,"num_words":115,"start":509.425,"end":545.28503},{"sentences":[{"text":"Well, can we potentially change this to an alternative option for you?","start":545.28503,"end":550.32,"sentiment":"neutral","sentiment_score":-0.006864938264091809},{"text":"So if you are happy for me to do so, I would like to look at potentially changing your bend along for you.","start":550.32,"end":558.02,"sentiment":"neutral","sentiment_score":0.18534915213999542},{"text":"If I can, yeah, if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother.","start":558.56,"end":569.79504,"sentiment":"positive","sentiment_score":0.3512024973120008},{"text":"So I will go and do some research.","start":570.495,"end":572.195,"sentiment":"neutral","sentiment_score":0.17024847492575645},{"text":"Does it all make sense so far, Peter?","start":573.775,"end":575.555,"sentiment":"neutral","sentiment_score":0.10526645556092262}],"sentiment":"neutral","sentiment_score":0.21717276848679365,"num_words":86,"start":545.28503,"end":575.555},{"sentences":[{"text":"Yeah.","start":577.07,"end":577.31006,"sentiment":"neutral","sentiment_score":0.3187466263771057},{"text":"Perfect.","start":577.31006,"end":577.81006,"sentiment":"positive","sentiment_score":0.4839235544204712},{"text":"Now, otherwise, in your investments, you do have cybersecurity.","start":578.59,"end":582.61005,"sentiment":"neutral","sentiment_score":0.12982094536225},{"text":"So that is an ETF investing in cybersecurity companies.","start":583.15,"end":586.61005,"sentiment":"neutral","sentiment_score":0.1527381514509519},{"text":"That one did pretty good even though it's seen quite a bit of fluctuations.","start":587.23004,"end":590.77,"sentiment":"neutral","sentiment_score":0.29880479936088833}],"sentiment":"neutral","sentiment_score":0.2214402718579068,"num_words":34,"start":577.07,"end":590.77},{"sentences":[{"text":"So the last twelve months, that was up by 31.57%, which was pretty good.","start":591.345,"end":596.165,"sentiment":"positive","sentiment_score":0.42374221767698017},{"text":"You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology.","start":597.425,"end":608.58,"sentiment":"neutral","sentiment_score":0.06856528569299442},{"text":"The need for cybersecurity is there.","start":608.72003,"end":611.14,"sentiment":"neutral","sentiment_score":-0.009621897091468176},{"text":"So we don't really foresee it not being a good investment, and it is something we are researching, but it is one that fluctuates.","start":612.08,"end":620.35504,"sentiment":"neutral","sentiment_score":-0.05857563049842914},{"text":"So it's more of your satellite investment.","start":620.41504,"end":622.755,"sentiment":"neutral","sentiment_score":0.025652928543942317}],"sentiment":"neutral","sentiment_score":0.0835209410492476,"num_words":77,"start":591.345,"end":622.755},{"sentences":[{"text":"So we do see a little bit smaller portion allocated to it because it can fluctuate, but it's still very much one of those investments that do have good growth opportunities because of, obviously, the cybersecurity space.","start":622.815,"end":636.45,"sentiment":"neutral","sentiment_score":0.15607492852251273},{"text":"Yeah.","start":638.83,"end":639.23004,"sentiment":"neutral","sentiment_score":0.11472894996404648},{"text":"Now you also have one investment which is the s and p five hundred.","start":639.23004,"end":645.09,"sentiment":"neutral","sentiment_score":0.08680584920304162},{"text":"That one is a little bit different to your traditional investment.","start":646.125,"end":650.145,"sentiment":"neutral","sentiment_score":0.04738744551485235},{"text":"So your iShares s and p five hundred, for example, it just invests in the 500 largest companies listed in The US.","start":650.445,"end":657.265,"sentiment":"neutral","sentiment_score":0.08069077235731212}],"sentiment":"neutral","sentiment_score":0.11060284807839814,"num_words":85,"start":622.815,"end":657.265},{"sentences":[{"text":"The biggest companies have a bigger portion allocated to the investments, and smaller companies have a smaller percentage.","start":658.38,"end":665.6,"sentiment":"neutral","sentiment_score":0.019063704647123814},{"text":"That's your did not.","start":666.54,"end":668.07996,"sentiment":"neutral","sentiment_score":-0.01939371065236628},{"text":"Yeah.","start":668.22,"end":668.62,"sentiment":"neutral","sentiment_score":-0.013636723160743712},{"text":"Now the one that we currently have in your portfolio, it's called an equal weight.","start":668.62,"end":672.72,"sentiment":"neutral","sentiment_score":0.0428266113003095},{"text":"So what that means is that all 500 companies literally have an equal split.","start":673.135,"end":678.595,"sentiment":"neutral","sentiment_score":0.07161662275237697}],"sentiment":"neutral","sentiment_score":0.03648013472915269,"num_words":52,"start":658.38,"end":678.595},{"sentences":[{"text":"So the biggest companies aren't over weighted or the smallest companies smaller.","start":679.135,"end":684.515,"sentiment":"neutral","sentiment_score":0.07365318511923154},{"text":"So what can happen, obviously, with fluctuations, they they can do really well because you kind of spread things out and you can get more growth if the smaller companies are doing really well.","start":685.01,"end":696.31,"sentiment":"neutral","sentiment_score":0.17099688026834936},{"text":"But then at the same time, when the really big companies are doing fantastic, you're not 100, your technology companies and everything.","start":696.52997,"end":717.07996,"sentiment":"neutral","sentiment_score":0.010878114876422014},{"text":"That one had done really well as well, eighteen point eight five.","start":717.54,"end":721.0,"sentiment":"neutral","sentiment_score":0.318685419857502},{"text":"Still a very good investment.","start":721.45996,"end":723.0,"sentiment":"positive","sentiment_score":0.7237600922584534}],"sentiment":"neutral","sentiment_score":0.16917736679315568,"num_words":85,"start":679.135,"end":723.0},{"sentences":[{"text":"You also have another one, which is your beta shares, Raffi Australia two hundred.","start":724.1,"end":729.48,"sentiment":"neutral","sentiment_score":0.1119006175015654},{"text":"That one has only done about 0.75%.","start":730.385,"end":734.485,"sentiment":"neutral","sentiment_score":0.07467908571873393},{"text":"And that is also because the Australian market hasn't done as well as The US in the last twelve months as well overall.","start":735.66504,"end":742.805,"sentiment":"neutral","sentiment_score":0.08556759503224622},{"text":"And the beta shares roughly Australia, it does invest in Australian companies, but it is instead of kind of your traditional ones that, again, are weighted by size of the company, this one kind of invests in the fundamental measures of different way of choosing companies.","start":743.91,"end":763.125,"sentiment":"neutral","sentiment_score":0.04083731357494126},{"text":"Still a good investment, though.","start":763.745,"end":766.085,"sentiment":"positive","sentiment_score":0.4543501079082489}],"sentiment":"neutral","sentiment_score":0.08639667257666588,"num_words":95,"start":724.1,"end":766.085},{"sentences":[{"text":"And then you also have Battery x Tech and Lithium.","start":767.025,"end":771.94995,"sentiment":"neutral","sentiment_score":0.07157146967947484},{"text":"That one has been a bit of up and down the last twelve months.","start":772.25,"end":775.70996,"sentiment":"neutral","sentiment_score":0.013269263851855482},{"text":"Overall, right now, it's up at 18.99, which is pretty good because it has been quite a bit of fluctuations.","start":776.73,"end":784.225,"sentiment":"neutral","sentiment_score":0.22649237588047982},{"text":"More recently, took a pretty big jump, and, obviously, everything with fuel prices and the war and everything, the need for, obviously, electric vehicles took a bit of a bit of a jump.","start":785.08496,"end":796.545,"sentiment":"neutral","sentiment_score":0.024922084909948437},{"text":"So that one has seen a a bit of a increase.","start":797.07,"end":799.41003,"sentiment":"neutral","sentiment_score":0.09793918783014471}],"sentiment":"neutral","sentiment_score":0.08330786109647968,"num_words":88,"start":767.025,"end":799.41003},{"sentences":[{"text":"We have one as well.","start":801.23004,"end":802.83,"sentiment":"neutral","sentiment_score":0.08507211804389954},{"text":"So your more kind of emerging markets like you touched on, which is a VanEck China new investment.","start":802.83,"end":809.09,"sentiment":"neutral","sentiment_score":0.08223901357915667},{"text":"That one has underperformed at least a bit recently, which can happen with your emerging markets, and that's down by about 2.51%.","start":810.19,"end":821.295,"sentiment":"neutral","sentiment_score":0.07584348375993696},{"text":"And then property, you have as well, and that's obviously, if you would have seen by the news as well, it's been a bit of fluctuations in the property market.","start":822.395,"end":830.93,"sentiment":"neutral","sentiment_score":-0.0022852287938197454},{"text":"That one correct.","start":832.35004,"end":834.21,"sentiment":"neutral","sentiment_score":0.010139983147382736}],"sentiment":"neutral","sentiment_score":0.04533439183321137,"num_words":78,"start":801.23004,"end":834.21},{"sentences":[{"text":"Some places, amazing, and, obviously, kind of a little bit of up and down.","start":834.67004,"end":840.61005,"sentiment":"neutral","sentiment_score":0.07363861852458545},{"text":"But that one is yes.","start":840.67004,"end":846.28503,"sentiment":"neutral","sentiment_score":0.04120366200804711},{"text":"Yes.","start":847.145,"end":847.54504,"sentiment":"neutral","sentiment_score":0.09447678923606873},{"text":"And that's probably, hopefully, flowing onto the Gold Coast where we are at as well with that.","start":847.54504,"end":852.925,"sentiment":"neutral","sentiment_score":0.12787003837087574},{"text":"Yeah.","start":853.705,"end":854.205,"sentiment":"neutral","sentiment_score":0.04361246898770332}],"sentiment":"neutral","sentiment_score":0.0933904968398182,"num_words":38,"start":834.67004,"end":854.205},{"sentences":[{"text":"Yeah.","start":857.73,"end":858.13,"sentiment":"neutral","sentiment_score":0.047170475125312805},{"text":"I read that too.","start":858.13,"end":858.93,"sentiment":"neutral","sentiment_score":0.03725683502852917},{"text":"I think they're building they're building quite a bit in in Brisbane or looking to buy quite a bit in build in Brisbane, which will oh, really?","start":858.93,"end":869.045,"sentiment":"neutral","sentiment_score":0.028452610734988143},{"text":"Oh, wow.","start":871.505,"end":872.225,"sentiment":"neutral","sentiment_score":0.04649844206869602},{"text":"Is that the only big one?","start":872.225,"end":873.745,"sentiment":"neutral","sentiment_score":0.012382774769018093}],"sentiment":"neutral","sentiment_score":0.028292795945890247,"num_words":40,"start":857.73,"end":873.745},{"sentences":[{"text":"Do you know?","start":873.745,"end":874.305,"sentiment":"neutral","sentiment_score":-0.0020602652803063393},{"text":"Or Yeah.","start":874.305,"end":876.645,"sentiment":"neutral","sentiment_score":0.024661678820848465},{"text":"Yes.","start":882.48004,"end":882.98004,"sentiment":"neutral","sentiment_score":0.22256170213222504},{"text":"Yeah.","start":883.92004,"end":884.42004,"sentiment":"neutral","sentiment_score":0.07920121401548386},{"text":"Yeah.","start":884.64,"end":885.14,"sentiment":"neutral","sentiment_score":0.04747246578335762}],"sentiment":"neutral","sentiment_score":0.04904724296648055,"num_words":8,"start":873.745,"end":885.14},{"sentences":[{"text":"Okay.","start":889.84,"end":890.34,"sentiment":"neutral","sentiment_score":0.021878544241189957},{"text":"Yeah.","start":890.48004,"end":890.98004,"sentiment":"neutral","sentiment_score":0.03013019822537899},{"text":"They'll probably have to do a little bit of upgrades with everything, but that that will be good, especially for for property and and stuff and rentals as well.","start":891.20496,"end":898.185,"sentiment":"neutral","sentiment_score":0.08276546027125983},{"text":"So, yeah, overall, it's still done pretty good.","start":899.445,"end":901.685,"sentiment":"positive","sentiment_score":0.39975835010409355},{"text":"But like I said, it is good to reassess your investments, especially with everything going on in the market and the world.","start":901.685,"end":908.97003,"sentiment":"neutral","sentiment_score":0.09870430420745503}],"sentiment":"neutral","sentiment_score":0.1282257144873748,"num_words":61,"start":889.84,"end":908.97003},{"sentences":[{"text":"So if you're happy for me to do so, I will go and do a bit more kind of in-depth research on your investments, especially that Benelon.","start":908.97003,"end":915.47003,"sentiment":"neutral","sentiment_score":0.2725190856942424},{"text":"And if I do find some other options for you, I will put a proposal together, go through it with you, and then you can let me know what you think.","start":916.41003,"end":925.375,"sentiment":"neutral","sentiment_score":0.20259350634390308},{"text":"Yep.","start":926.875,"end":927.375,"sentiment":"positive","sentiment_score":0.378435343503952},{"text":"Perfect.","start":927.435,"end":927.935,"sentiment":"positive","sentiment_score":0.673431396484375},{"text":"Now, otherwise, I will try to make it quick for you if you have to go.","start":929.435,"end":933.775,"sentiment":"neutral","sentiment_score":0.23970523569732904}],"sentiment":"neutral","sentiment_score":0.24375742791514649,"num_words":76,"start":908.97003,"end":933.775},{"sentences":[{"text":"That was basically your what was that?","start":933.995,"end":937.08997,"sentiment":"neutral","sentiment_score":0.0007841728095497404},{"text":"Sorry.","start":937.08997,"end":937.58997,"sentiment":"neutral","sentiment_score":-0.03472591191530228},{"text":"Okay.","start":938.69,"end":939.19,"sentiment":"neutral","sentiment_score":0.013870088383555412},{"text":"Can you talk at the same time or not really?","start":941.49,"end":944.07,"sentiment":"neutral","sentiment_score":-0.0012627696618437768},{"text":"Yeah.","start":944.29,"end":944.61,"sentiment":"neutral","sentiment_score":0.015140736475586891}],"sentiment":"neutral","sentiment_score":-0.0006426787003874779,"num_words":20,"start":933.995,"end":944.61},{"sentences":[{"text":"Okay.","start":944.61,"end":944.85,"sentiment":"neutral","sentiment_score":0.06567661464214325},{"text":"Perfect.","start":944.85,"end":945.35,"sentiment":"neutral","sentiment_score":0.2565961182117462},{"text":"No.","start":947.64996,"end":947.88995,"sentiment":"neutral","sentiment_score":0.12397755682468414},{"text":"That's all good.","start":947.88995,"end":948.61,"sentiment":"neutral","sentiment_score":0.31239651640256244},{"text":"As long as you can hear me, that's all good.","start":948.61,"end":951.58997,"sentiment":"neutral","sentiment_score":0.16691982075572015}],"sentiment":"neutral","sentiment_score":0.1907898779027164,"num_words":16,"start":944.61,"end":951.58997},{"sentences":[{"text":"Now, obviously, aside from Super, we don't have any insurances for you at the moment.","start":953.54504,"end":958.28503,"sentiment":"neutral","sentiment_score":-0.028205063566565512},{"text":"You you are still happy with that.","start":959.465,"end":961.065,"sentiment":"neutral","sentiment_score":0.2500471259866442},{"text":"Do you have any questions in regards to insurances?","start":961.065,"end":963.16504,"sentiment":"neutral","sentiment_score":0.016894352104928758},{"text":"Yep.","start":965.75,"end":966.25,"sentiment":"neutral","sentiment_score":-0.003232551272958517},{"text":"Yeah.","start":970.23,"end":970.73,"sentiment":"neutral","sentiment_score":-0.0074046459048986435}],"sentiment":"neutral","sentiment_score":0.04450502727801601,"num_words":33,"start":953.54504,"end":970.73},{"sentences":[{"text":"Yeah.","start":970.79,"end":971.19,"sentiment":"neutral","sentiment_score":0.01562528870999813},{"text":"I did read that.","start":971.19,"end":972.07,"sentiment":"neutral","sentiment_score":0.0030867750756442547},{"text":"Sorry.","start":972.07,"end":972.47,"sentiment":"neutral","sentiment_score":-0.02927067130804062},{"text":"If if you do yep.","start":972.47,"end":975.37,"sentiment":"neutral","sentiment_score":0.0017000136896967888},{"text":"That's good.","start":978.165,"end":979.065,"sentiment":"neutral","sentiment_score":0.08608001843094826}],"sentiment":"neutral","sentiment_score":0.013797063308839615,"num_words":13,"start":970.79,"end":979.065},{"sentences":[{"text":"Yeah.","start":981.045,"end":981.545,"sentiment":"neutral","sentiment_score":0.05532181262969971},{"text":"Yeah.","start":981.925,"end":982.325,"sentiment":"neutral","sentiment_score":0.07145172357559204},{"text":"If it does come down and a bit more kind of that that stable range, let me know, and then we can always have a look at your insurances again for you at any point in time.","start":982.325,"end":992.05994,"sentiment":"neutral","sentiment_score":0.09556731521277814},{"text":"It doesn't have to be a review time.","start":992.05994,"end":993.42,"sentiment":"neutral","sentiment_score":0.07636064197868109},{"text":"You can just give me a call, if you wanna revisit.","start":993.42,"end":996.72,"sentiment":"neutral","sentiment_score":0.09407435357570648}],"sentiment":"neutral","sentiment_score":0.0915252969696604,"num_words":58,"start":981.045,"end":996.72},{"sentences":[{"text":"Yep.","start":996.77997,"end":997.1,"sentiment":"neutral","sentiment_score":0.09225094318389893},{"text":"Anytime, or we can have a look at it.","start":997.1,"end":999.27997,"sentiment":"neutral","sentiment_score":0.09502065926790237},{"text":"Now in the documents as well, you will see, a couple of other ones.","start":1000.38,"end":1005.98,"sentiment":"neutral","sentiment_score":0.04829235561192036},{"text":"You will see a financial services guide.","start":1005.98,"end":1007.825,"sentiment":"neutral","sentiment_score":0.0399092191032001},{"text":"You would have seen this one before, so I'll kind of skip over it.","start":1007.825,"end":1010.385,"sentiment":"neutral","sentiment_score":0.029942435212433338}],"sentiment":"neutral","sentiment_score":0.05160196626351939,"num_words":45,"start":996.77997,"end":1010.385},{"sentences":[{"text":"Just the updated version.","start":1010.385,"end":1011.765,"sentiment":"neutral","sentiment_score":0.04796414915472269},{"text":"One of those compliance documents that gives you all the important information in regards to us.","start":1011.985,"end":1016.40497,"sentiment":"neutral","sentiment_score":0.06904533808119595},{"text":"All the team director's advices are in there.","start":1016.625,"end":1018.945,"sentiment":"neutral","sentiment_score":0.027286304160952568},{"text":"If you do wanna put a face to the voice, I'm also there on page nine, I believe.","start":1018.945,"end":1023.41,"sentiment":"neutral","sentiment_score":0.06875940639939573},{"text":"And there are two documents that we'll need signing if you're happy for that when you have a moment.","start":1025.71,"end":1031.97,"sentiment":"neutral","sentiment_score":0.11173330561110847}],"sentiment":"neutral","sentiment_score":0.07500730093855124,"num_words":65,"start":1010.385,"end":1031.97},{"sentences":[{"text":"One is an ongoing advice fee, and that is just to say that you are happy to stay on with the client, same as your last under review.","start":1032.67,"end":1041.635,"sentiment":"neutral","sentiment_score":0.3224082287134869},{"text":"There's no changes, though, in regards to the fee structure.","start":1042.095,"end":1044.815,"sentiment":"neutral","sentiment_score":0.09095177836716176},{"text":"It stays exactly the same at 1.65.","start":1044.815,"end":1047.955,"sentiment":"neutral","sentiment_score":0.20885062643459865},{"text":"No changes.","start":1048.1749,"end":1048.9149,"sentiment":"neutral","sentiment_score":0.035490346141159534},{"text":"No lock in contract.","start":1049.5399,"end":1050.6,"sentiment":"neutral","sentiment_score":-0.03944418299943209}],"sentiment":"neutral","sentiment_score":0.2218060104505104,"num_words":51,"start":1032.67,"end":1050.6},{"sentences":[{"text":"So if at any point in time, you are not happy.","start":1050.6599,"end":1052.9199,"sentiment":"neutral","sentiment_score":-0.13398810137401929},{"text":"No lock in contract.","start":1053.0599,"end":1054.2,"sentiment":"neutral","sentiment_score":-0.013314556330442429},{"text":"But finding this just lets us service and manage your account and everything for you in the meantime.","start":1054.74,"end":1059.1599,"sentiment":"neutral","sentiment_score":0.2624652112523715},{"text":"Correct.","start":1062.855,"end":1063.355,"sentiment":"neutral","sentiment_score":0.04496630281209946},{"text":"Yes.","start":1063.415,"end":1063.895,"sentiment":"neutral","sentiment_score":0.04509734362363815}],"sentiment":"neutral","sentiment_score":0.09392314595835549,"num_words":35,"start":1050.6599,"end":1063.895},{"sentences":[{"text":"Sorry.","start":1063.895,"end":1064.135,"sentiment":"neutral","sentiment_score":-0.029284730553627018},{"text":"That should be have a look through spam as well because we have changed the software recently.","start":1064.135,"end":1068.395,"sentiment":"neutral","sentiment_score":-0.26996609743903666},{"text":"So it could it could be there as well.","start":1069.415,"end":1072.9551,"sentiment":"neutral","sentiment_score":-0.19899203214380476},{"text":"Now the last thing I'll do quickly run through that with you, Peter, and I'll tryna make it really quick.","start":1073.5751,"end":1078.56,"sentiment":"neutral","sentiment_score":0.08272971976548434},{"text":"It is just an updated fact fine, and that's just because needing to see if we need to make any further changes to your advice.","start":1078.8601,"end":1086.0801,"sentiment":"neutral","sentiment_score":0.06721771135926247}],"sentiment":"neutral","sentiment_score":-0.04270277079194784,"num_words":72,"start":1063.895,"end":1086.0801},{"sentences":[{"text":"But then, also, because I am putting a proposal together for your investments, I wanna make sure I have all the correct information.","start":1086.5549,"end":1092.575,"sentiment":"neutral","sentiment_score":0.13623637997585794},{"text":"So I'll try to make it quick for you.","start":1093.2749,"end":1095.2949,"sentiment":"neutral","sentiment_score":0.2663223213619656},{"text":"Now personal information, I have you down here as a marriage with two financial dependents.","start":1095.835,"end":1101.78,"sentiment":"neutral","sentiment_score":0.05669781441489855},{"text":"Is that correct?","start":1101.84,"end":1102.66,"sentiment":"neutral","sentiment_score":0.0464657632013162},{"text":"Yep.","start":1103.6,"end":1104.1,"sentiment":"neutral","sentiment_score":0.07753965258598328}],"sentiment":"neutral","sentiment_score":0.12936748608070262,"num_words":51,"start":1086.5549,"end":1104.1},{"sentences":[{"text":"Perfect.","start":1104.64,"end":1105.14,"sentiment":"neutral","sentiment_score":0.33143699169158936},{"text":"I do have here your, wife nominated as a Next Stop Kin phone number ending in 011.","start":1105.92,"end":1112.24,"sentiment":"neutral","sentiment_score":0.1167438919929897},{"text":"That's also correct?","start":1112.24,"end":1113.38,"sentiment":"neutral","sentiment_score":0.06591276824474335},{"text":"Lisa?","start":1115.855,"end":1116.355,"sentiment":"neutral","sentiment_score":0.003797724843025207},{"text":"Yes.","start":1119.295,"end":1119.795,"sentiment":"neutral","sentiment_score":0.002768837846815586}],"sentiment":"neutral","sentiment_score":0.10958208795636892,"num_words":23,"start":1104.64,"end":1119.795},{"sentences":[{"text":"That's not right?","start":1122.335,"end":1123.135,"sentiment":"neutral","sentiment_score":-0.24303210278352103},{"text":"Okay.","start":1123.135,"end":1123.455,"sentiment":"neutral","sentiment_score":-0.031000211834907532},{"text":"I will update that.","start":1123.455,"end":1124.335,"sentiment":"neutral","sentiment_score":-0.006381041835993528},{"text":"Do you know what it is?","start":1124.335,"end":1125.715,"sentiment":"neutral","sentiment_score":0.0049501461908221245},{"text":"O four eight seven.","start":1127.88,"end":1129.74,"sentiment":"neutral","sentiment_score":0.003853802802041173}],"sentiment":"neutral","sentiment_score":-0.04113914439868596,"num_words":18,"start":1122.335,"end":1129.74},{"sentences":[{"text":"Yep.","start":1129.88,"end":1130.38,"sentiment":"neutral","sentiment_score":0.010220433585345743},{"text":"Six three, 5555.","start":1132.12,"end":1136.76,"sentiment":"neutral","sentiment_score":0.013461524154990911},{"text":"Beautiful.","start":1136.76,"end":1137.26,"sentiment":"positive","sentiment_score":0.4363462328910827},{"text":"I will update that, make sure we have the right one.","start":1137.5599,"end":1141.565,"sentiment":"neutral","sentiment_score":0.19950513778762383},{"text":"Now occupation wise, still working as a courier, or has anything changed?","start":1141.565,"end":1145.745,"sentiment":"neutral","sentiment_score":0.0017807625311737259}],"sentiment":"neutral","sentiment_score":0.09653131803497672,"num_words":28,"start":1129.88,"end":1145.745},{"sentences":[{"text":"Yep.","start":1146.0449,"end":1146.5449,"sentiment":"neutral","sentiment_score":0.05992480739951134},{"text":"Perfect.","start":1146.605,"end":1147.105,"sentiment":"positive","sentiment_score":0.6626980304718018},{"text":"And are you still working as a sole trader?","start":1148.445,"end":1150.865,"sentiment":"neutral","sentiment_score":0.0648936095337073},{"text":"Yep.","start":1152.22,"end":1152.7,"sentiment":"neutral","sentiment_score":0.21648745238780975},{"text":"Perfect.","start":1152.7,"end":1153.2,"sentiment":"positive","sentiment_score":0.5620492696762085}],"sentiment":"neutral","sentiment_score":0.16040015736451516,"num_words":13,"start":1146.0449,"end":1153.2},{"sentences":[{"text":"Now last time, I think you spoke to my colleague, Dana, you'd kind of been in the role for about six months or so, so you weren't overly sure of your income at the time.","start":1153.6599,"end":1163.36,"sentiment":"neutral","sentiment_score":-0.041470255702733994},{"text":"We had had yeah.","start":1163.74,"end":1166.605,"sentiment":"neutral","sentiment_score":-0.08197471452876925},{"text":"And income wise, do you have do you pay yourself about 80,000?","start":1166.745,"end":1171.6449,"sentiment":"neutral","sentiment_score":-0.0018960837041959167},{"text":"About that.","start":1174.0249,"end":1174.505,"sentiment":"neutral","sentiment_score":0.014566642232239246},{"text":"K.","start":1174.505,"end":1175.005,"sentiment":"neutral","sentiment_score":0.01861676573753357}],"sentiment":"neutral","sentiment_score":-0.03248816225850196,"num_words":54,"start":1153.6599,"end":1175.005},{"sentences":[{"text":"And you said as well with contribution.","start":1175.065,"end":1176.6849,"sentiment":"neutral","sentiment_score":0.04220621660351753},{"text":"So do you because, obviously, as a sole trader, it's up to you to make those contributions.","start":1177.065,"end":1181.21,"sentiment":"neutral","sentiment_score":0.054096825859125924},{"text":"Do you yeah.","start":1181.83,"end":1183.99,"sentiment":"neutral","sentiment_score":-0.032923705875873566},{"text":"Is that something you are wanting to do as well?","start":1183.99,"end":1186.57,"sentiment":"neutral","sentiment_score":-0.012127047590911388},{"text":"You can do it either way.","start":1192.165,"end":1193.5449,"sentiment":"neutral","sentiment_score":0.038311862697203956}],"sentiment":"neutral","sentiment_score":0.028486491592470988,"num_words":43,"start":1175.065,"end":1193.5449},{"sentences":[{"text":"So the as a sole trader, you can do it you can have it set it up automatically so it comes out of your account, or you can and you can do that regularly, or you can have it like, do it manually whenever you have, like, a little bit of spare cash or anything you wanna put in.","start":1193.765,"end":1209.74,"sentiment":"neutral","sentiment_score":0.0869544417423717},{"text":"Yeah.","start":1211.64,"end":1212.14,"sentiment":"neutral","sentiment_score":0.047844819724559784},{"text":"Do you have any amount do you think you wanna do?","start":1212.92,"end":1216.62,"sentiment":"neutral","sentiment_score":0.02444239401004531},{"text":"Yeah.","start":1220.4349,"end":1220.835,"sentiment":"neutral","sentiment_score":-0.015761075541377068},{"text":"No.","start":1220.835,"end":1221.155,"sentiment":"neutral","sentiment_score":-0.0577559769153595}],"sentiment":"neutral","sentiment_score":0.07360967348189387,"num_words":73,"start":1193.765,"end":1221.155},{"sentences":[{"text":"That's okay.","start":1221.155,"end":1221.975,"sentiment":"neutral","sentiment_score":0.0615120220463723},{"text":"So what I can do is, well, is I will get the team so when they email you their their ID so you can log in to Hub twenty four, I'll get them to include your contribution information in an email so that you have it.","start":1222.355,"end":1237.1901,"sentiment":"neutral","sentiment_score":0.12650154336639072},{"text":"Now, obviously, as a self employed, because you will make contributions basically from your bank account, which is after tax contribution.","start":1239.17,"end":1245.885,"sentiment":"neutral","sentiment_score":0.050888960382768085},{"text":"They would go in through super as after tax.","start":1247.145,"end":1250.445,"sentiment":"neutral","sentiment_score":0.037930266517731875},{"text":"But then what we can do is we can help before the end of the financial year each year for you is that we can help you do a notice of intensive claim, it's called.","start":1251.065,"end":1262.4601,"sentiment":"neutral","sentiment_score":0.15979758543627604}],"sentiment":"neutral","sentiment_score":0.11455797430012474,"num_words":113,"start":1221.155,"end":1262.4601},{"sentences":[{"text":"Basically, what it means is that we'd we can change the contributions to pretax and save you a little bit in in tax by doing so.","start":1262.4601,"end":1271.52,"sentiment":"neutral","sentiment_score":0.20909638788837653},{"text":"So if it yeah.","start":1272.105,"end":1273.625,"sentiment":"positive","sentiment_score":0.475799024105072},{"text":"So if it is something you wanted to do, just be mindful because the end of the financial year is coming up soon.","start":1273.625,"end":1279.405,"sentiment":"neutral","sentiment_score":0.07177841371816138},{"text":"So if it is that you're wanting to make a little bit of contributions this year, I would suggest doing it next week, probably the exact especially before before Thursday, ideally.","start":1279.785,"end":1294.02,"sentiment":"neutral","sentiment_score":0.14151114513797144},{"text":"You can respond to the email that my colleague, Whitlam, will send you with the contribution details.","start":1294.7201,"end":1299.62,"sentiment":"neutral","sentiment_score":0.14297941458575866}],"sentiment":"neutral","sentiment_score":0.15651585390367131,"num_words":101,"start":1262.4601,"end":1299.62},{"sentences":[{"text":"Let us know if you've done it and that you want to claim the the notice of intent, and then he can assist you with the forms of doing so.","start":1300.575,"end":1307.955,"sentiment":"neutral","sentiment_score":0.2123424137632052},{"text":"With the contributions, just something to be mindful of, obviously, is that once you put it into super, it is locked in until you meet a condition of release.","start":1309.375,"end":1318.77,"sentiment":"neutral","sentiment_score":0.0898204652656769},{"text":"So for example, deciding to retire, stop working at 60.","start":1319.63,"end":1323.97,"sentiment":"neutral","sentiment_score":0.065683039650321},{"text":"Otherwise, it will be locked in for you.","start":1324.59,"end":1327.09,"sentiment":"neutral","sentiment_score":0.22671770490705967},{"text":"The good thing is that it will continue to grow your superannuation, and it is a tax effective way of doing it.","start":1327.6849,"end":1333.705,"sentiment":"positive","sentiment_score":0.6611410135572607}],"sentiment":"neutral","sentiment_score":0.2625327296931334,"num_words":99,"start":1300.575,"end":1333.705},{"sentences":[{"text":"There is also a contribution cap.","start":1334.645,"end":1336.8049,"sentiment":"neutral","sentiment_score":0.1349898874759674},{"text":"So pretax contribution, there is a cap of 30,000 each financial year.","start":1336.8049,"end":1342.1849,"sentiment":"neutral","sentiment_score":0.07592052811135848},{"text":"Are you thinking of doing okay.","start":1342.46,"end":1344.64,"sentiment":"neutral","sentiment_score":0.032978725930054985},{"text":"Perfect.","start":1344.78,"end":1345.28,"sentiment":"positive","sentiment_score":0.5454415082931519},{"text":"It's just something I do wanna flag.","start":1345.42,"end":1347.28,"sentiment":"neutral","sentiment_score":0.3078726828098297}],"sentiment":"neutral","sentiment_score":0.14435650955419987,"num_words":32,"start":1334.645,"end":1347.28},{"sentences":[{"text":"If there ever is a situation where you go, oh, I've come in through a bit of money or I have a bit of extra, can I put it in?","start":1347.82,"end":1353.9,"sentiment":"neutral","sentiment_score":0.07116247763236364},{"text":"How much can I put it in?","start":1353.9,"end":1355.205,"sentiment":"neutral","sentiment_score":0.04791251836078508},{"text":"If you're wanting to do a little bit larger amount, just give me a call because I would just like to run that number for you.","start":1355.365,"end":1360.6649,"sentiment":"neutral","sentiment_score":0.11822916552997552},{"text":"Yeah.","start":1362.6449,"end":1362.965,"sentiment":"neutral","sentiment_score":0.03994821757078171},{"text":"Sure.","start":1362.965,"end":1363.465,"sentiment":"neutral","sentiment_score":0.07532437145709991}],"sentiment":"neutral","sentiment_score":0.0870691207739023,"num_words":65,"start":1347.82,"end":1363.465},{"sentences":[{"text":"No.","start":1377.5399,"end":1377.78,"sentiment":"neutral","sentiment_score":0.1379106342792511},{"text":"That's all good.","start":1377.78,"end":1378.76,"sentiment":"positive","sentiment_score":0.5013159314791361},{"text":"Now with the investment, so when I put together the proposal for you, that obviously changes depending on your contributions.","start":1379.14,"end":1386.615,"sentiment":"neutral","sentiment_score":0.06942106471396983},{"text":"Because when you put contributions in, it's going to compound.","start":1386.6749,"end":1389.495,"sentiment":"neutral","sentiment_score":0.019414323195815087},{"text":"So I can do two options for you.","start":1389.875,"end":1391.875,"sentiment":"neutral","sentiment_score":0.053917850367724895}],"sentiment":"neutral","sentiment_score":0.08704204185466681,"num_words":42,"start":1377.5399,"end":1391.875},{"sentences":[{"text":"I can do one with no contributions to show you.","start":1391.875,"end":1395.875,"sentiment":"neutral","sentiment_score":0.05645635053515434},{"text":"And then do you have a rough like, if you were to just give me a rough weekly, how much do you think 100 calls?","start":1395.875,"end":1403.54,"sentiment":"neutral","sentiment_score":0.05628763549029827},{"text":"And then I'll and then I'll show you what $100 per week would look like just so that you can then kind of see the compounding effect of that as well.","start":1403.54,"end":1413.3049,"sentiment":"neutral","sentiment_score":0.12040385832228968},{"text":"Would you like me to, part of the research, put together a strategy of showing you how the $100 per week, like, what the actual, like, making that into a recommendation and showing you the tax savings and everything in regards to the $100 per week?","start":1414.485,"end":1427.48,"sentiment":"neutral","sentiment_score":0.19029940729555878},{"text":"Yeah.","start":1429.0599,"end":1429.38,"sentiment":"neutral","sentiment_score":0.05164966359734535}],"sentiment":"neutral","sentiment_score":0.12840439291852238,"num_words":113,"start":1391.875,"end":1429.38},{"sentences":[{"text":"Yeah?","start":1429.38,"end":1429.7799,"sentiment":"neutral","sentiment_score":0.05575304105877876},{"text":"Alright.","start":1429.7799,"end":1430.26,"sentiment":"neutral","sentiment_score":0.168648362159729},{"text":"Perfect.","start":1430.26,"end":1430.74,"sentiment":"positive","sentiment_score":0.3784419894218445},{"text":"I will add that.","start":1430.74,"end":1432.12,"sentiment":"neutral","sentiment_score":0.18451562151312828},{"text":"Yeah.","start":1432.34,"end":1432.84,"sentiment":"neutral","sentiment_score":0.11534631252288818}],"sentiment":"neutral","sentiment_score":0.1820315239019692,"num_words":8,"start":1429.38,"end":1432.84},{"sentences":[{"text":"Yep.","start":1436.115,"end":1436.515,"sentiment":"neutral","sentiment_score":0.0953306257724762},{"text":"Okay.","start":1436.515,"end":1436.835,"sentiment":"neutral","sentiment_score":0.1549479216337204},{"text":"Perfect.","start":1436.835,"end":1437.235,"sentiment":"neutral","sentiment_score":0.31033992767333984},{"text":"I will include a $100 there for you per week.","start":1437.235,"end":1439.715,"sentiment":"neutral","sentiment_score":0.15681363567709922},{"text":"Now yeah.","start":1439.715,"end":1441.5549,"sentiment":"neutral","sentiment_score":0.04993414506316185}],"sentiment":"neutral","sentiment_score":0.14857487479845682,"num_words":15,"start":1436.115,"end":1441.5549},{"sentences":[{"text":"Yeah.","start":1441.5549,"end":1441.715,"sentiment":"neutral","sentiment_score":0.1407543420791626},{"text":"I can do that for you.","start":1441.715,"end":1443.1749,"sentiment":"neutral","sentiment_score":0.19747291256984076},{"text":"Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you.","start":1443.715,"end":1452.6,"sentiment":"neutral","sentiment_score":0.1485054052900523},{"text":"It is good to do it weekly because it's dollar cost averaging.","start":1454.42,"end":1457.22,"sentiment":"neutral","sentiment_score":0.22201665987571081},{"text":"So, obviously, you're buying sometimes when the market's high, sometimes when it's low.","start":1457.22,"end":1461.0,"sentiment":"neutral","sentiment_score":0.07717211315265068}],"sentiment":"neutral","sentiment_score":0.15226878400426358,"num_words":64,"start":1441.5549,"end":1461.0},{"sentences":[{"text":"So you will kind of average things out.","start":1461.245,"end":1463.005,"sentiment":"neutral","sentiment_score":0.03025402850471437},{"text":"Whereas if you do a lump sum, if at the time the market's really high, then, obviously, you're not gonna get as much.","start":1463.005,"end":1468.685,"sentiment":"neutral","sentiment_score":0.005635409676672324},{"text":"Or if you're really lucky, it's down.","start":1468.685,"end":1470.285,"sentiment":"neutral","sentiment_score":0.01692580963884081},{"text":"So dollar cost averaging is a great way of doing it.","start":1470.285,"end":1473.42,"sentiment":"positive","sentiment_score":0.4005080231211402},{"text":"So I will factor that in.","start":1473.74,"end":1475.4401,"sentiment":"neutral","sentiment_score":0.04493270690242449}],"sentiment":"neutral","sentiment_score":0.09391476025127551,"num_words":55,"start":1461.245,"end":1475.4401},{"sentences":[{"text":"Now the last thing, otherwise, is just assets.","start":1475.9,"end":1478.3,"sentiment":"neutral","sentiment_score":0.0006711769383400679},{"text":"I do need to just triple check that for you.","start":1478.3,"end":1480.2201,"sentiment":"neutral","sentiment_score":0.011426346842199564},{"text":"I have your property at 1.2 mil.","start":1480.2201,"end":1482.06,"sentiment":"neutral","sentiment_score":0.014587127736636571},{"text":"Is that still roughly the case?","start":1482.06,"end":1483.6001,"sentiment":"neutral","sentiment_score":0.01665584370493889},{"text":"About that and about 70 thousand.","start":1486.385,"end":1489.0449,"sentiment":"neutral","sentiment_score":0.005646780288467805}],"sentiment":"neutral","sentiment_score":0.00960968978501655,"num_words":37,"start":1475.9,"end":1489.0449},{"sentences":[{"text":"Yeah?","start":1492.065,"end":1492.565,"sentiment":"neutral","sentiment_score":0.007475674152374268},{"text":"1.4?","start":1494.385,"end":1495.0249,"sentiment":"neutral","sentiment_score":0.008245386183261871},{"text":"Okay.","start":1495.0249,"end":1495.2649,"sentiment":"neutral","sentiment_score":0.07873643189668655},{"text":"I can update that.","start":1495.2649,"end":1496.1449,"sentiment":"neutral","sentiment_score":0.12416400201618671},{"text":"That's great.","start":1496.1449,"end":1496.885,"sentiment":"positive","sentiment_score":0.5888789892196655}],"sentiment":"neutral","sentiment_score":0.19654127541515562,"num_words":9,"start":1492.065,"end":1496.885},{"sentences":[{"text":"So 1.4 mortgage about 70.","start":1498.1449,"end":1500.485,"sentiment":"neutral","sentiment_score":0.04248411953449249},{"text":"Seventy thousand.","start":1503.12,"end":1504.02,"sentiment":"neutral","sentiment_score":0.017477776389569044},{"text":"Yeah?","start":1506.08,"end":1506.48,"sentiment":"neutral","sentiment_score":0.01131383702158928},{"text":"Or is there is there a zero missing here?","start":1506.48,"end":1508.88,"sentiment":"neutral","sentiment_score":-0.0029446721697847047},{"text":"Is it 700?","start":1508.88,"end":1510.02,"sentiment":"neutral","sentiment_score":0.0020890215722223124}],"sentiment":"neutral","sentiment_score":0.01192275013308972,"num_words":20,"start":1498.1449,"end":1510.02},{"sentences":[{"text":"Okay.","start":1511.12,"end":1511.62,"sentiment":"neutral","sentiment_score":0.04137367382645607},{"text":"Perfect.","start":1512.08,"end":1512.58,"sentiment":"positive","sentiment_score":0.5640698075294495},{"text":"I was like, oh, that's really good.","start":1512.64,"end":1514.115,"sentiment":"positive","sentiment_score":0.5513229881014142},{"text":"I'm probably for 1.4 now.","start":1514.115,"end":1516.775,"sentiment":"neutral","sentiment_score":0.2288906216621399},{"text":"Perfect.","start":1517.475,"end":1517.975,"sentiment":"positive","sentiment_score":0.3461928069591522}],"sentiment":"positive","sentiment_score":0.39702335422237717,"num_words":15,"start":1511.12,"end":1517.975},{"sentences":[{"text":"I also have here a motor vehicle ride at about twenty five thousand.","start":1519.795,"end":1524.455,"sentiment":"neutral","sentiment_score":0.09200064665996112},{"text":"Yep.","start":1526.13,"end":1526.37,"sentiment":"neutral","sentiment_score":0.057914018630981445},{"text":"And then a boat about 5,000.","start":1526.37,"end":1528.7101,"sentiment":"neutral","sentiment_score":0.05913705254594485},{"text":"Perfect.","start":1530.4501,"end":1530.77,"sentiment":"neutral","sentiment_score":0.2808491885662079},{"text":"And nothing owing on either of those?","start":1530.77,"end":1532.47,"sentiment":"neutral","sentiment_score":0.05807634336607797}],"sentiment":"neutral","sentiment_score":0.08200458330767495,"num_words":28,"start":1519.795,"end":1532.47},{"sentences":[{"text":"No.","start":1533.81,"end":1534.31,"sentiment":"neutral","sentiment_score":-0.009534526616334915},{"text":"Any other assets or any liabilities that we haven't gone over, like personal loans or anything else?","start":1534.6901,"end":1540.0701,"sentiment":"neutral","sentiment_score":-0.024187514558434486},{"text":"Not perfect.","start":1541.445,"end":1542.265,"sentiment":"neutral","sentiment_score":-0.09766538441181183},{"text":"Changes in health and lifestyle.","start":1544.165,"end":1545.605,"sentiment":"neutral","sentiment_score":0.004009067267179489},{"text":"Otherwise, I know you said you're obviously exercising, which is fantastic.","start":1545.605,"end":1548.985,"sentiment":"neutral","sentiment_score":0.24983999607237903}],"sentiment":"neutral","sentiment_score":0.05978422917218672,"num_words":36,"start":1533.81,"end":1548.985},{"sentences":[{"text":"Any other changes?","start":1549.125,"end":1550.085,"sentiment":"neutral","sentiment_score":0.05441957339644432},{"text":"Like, have you had any health issues or injuries or anything like that?","start":1550.085,"end":1554.9299,"sentiment":"neutral","sentiment_score":-0.02045866847038269},{"text":"No.","start":1554.9299,"end":1555.25,"sentiment":"neutral","sentiment_score":-0.005433056503534317},{"text":"Perfect.","start":1555.25,"end":1555.73,"sentiment":"neutral","sentiment_score":0.1253046691417694},{"text":"Still a nonsmoker as well?","start":1555.73,"end":1557.51,"sentiment":"neutral","sentiment_score":0.11035115644335747}],"sentiment":"neutral","sentiment_score":0.024735801083886105,"num_words":23,"start":1549.125,"end":1557.51},{"sentences":[{"text":"Yep.","start":1559.65,"end":1560.0499,"sentiment":"neutral","sentiment_score":0.13375112414360046},{"text":"Beautiful.","start":1560.0499,"end":1560.5499,"sentiment":"positive","sentiment_score":0.3396328091621399},{"text":"Last thing is estate planning wise.","start":1561.1699,"end":1563.59,"sentiment":"neutral","sentiment_score":0.0559828324864308},{"text":"Do you guys have a will in place or power of attorney?","start":1564.0499,"end":1566.79,"sentiment":"neutral","sentiment_score":0.008150217433770498},{"text":"Yep.","start":1570.3151,"end":1570.8151,"sentiment":"neutral","sentiment_score":0.004141106270253658}],"sentiment":"neutral","sentiment_score":0.04339164969999166,"num_words":21,"start":1559.65,"end":1570.8151},{"sentences":[{"text":"Do you know?","start":1570.9551,"end":1571.6951,"sentiment":"neutral","sentiment_score":-0.0063378627722462015},{"text":"Nope.","start":1572.475,"end":1572.975,"sentiment":"neutral","sentiment_score":-0.19722864031791687},{"text":"No.","start":1573.5951,"end":1573.8351,"sentiment":"neutral","sentiment_score":-0.13468536734580994},{"text":"That's okay.","start":1573.8351,"end":1574.635,"sentiment":"neutral","sentiment_score":-0.04009912349283695},{"text":"Now I do have here as well.","start":1574.635,"end":1575.995,"sentiment":"neutral","sentiment_score":0.025088816615087644}],"sentiment":"neutral","sentiment_score":-0.01825029476146613,"num_words":14,"start":1570.9551,"end":1575.995},{"sentences":[{"text":"So for your superannuation, we don't currently have a valid nomination.","start":1575.995,"end":1580.175,"sentiment":"neutral","sentiment_score":-0.0903839800845493},{"text":"So that is someone that you would like to ensure gets your super if something were to happen to you.","start":1580.475,"end":1587.08,"sentiment":"neutral","sentiment_score":-0.022854344360530375},{"text":"Do you know who you would like that person to be?","start":1587.08,"end":1590.54,"sentiment":"neutral","sentiment_score":-0.012885346162048254},{"text":"If something so for your superannuation, because your super does not form part of your estate, we can do a separate nomination, just a quick form.","start":1593.655,"end":1602.855,"sentiment":"neutral","sentiment_score":0.020038147528584186},{"text":"It does have to be web signed, though, to make sure that your superannuation goes through the person that you would like it to go through if something ever were to happen to you.","start":1602.855,"end":1615.05,"sentiment":"neutral","sentiment_score":0.042221499004346484}],"sentiment":"neutral","sentiment_score":0.0035634639800763597,"num_words":102,"start":1575.995,"end":1615.05},{"sentences":[{"text":"So if something were to happen.","start":1615.35,"end":1617.13,"sentiment":"neutral","sentiment_score":0.016253512042264145},{"text":"No.","start":1619.605,"end":1619.845,"sentiment":"neutral","sentiment_score":-0.043864037841558456},{"text":"We have her as next of kin, but not on the actual legal forms.","start":1619.845,"end":1624.245,"sentiment":"neutral","sentiment_score":-0.040911003947257996},{"text":"Would you like it to be her?","start":1624.245,"end":1625.865,"sentiment":"neutral","sentiment_score":-0.020044306426176002},{"text":"Yep.","start":1627.4451,"end":1627.845,"sentiment":"neutral","sentiment_score":0.06261084973812103}],"sentiment":"neutral","sentiment_score":-0.020579183313610225,"num_words":29,"start":1615.35,"end":1627.845},{"sentences":[{"text":"Okay.","start":1627.845,"end":1628.345,"sentiment":"neutral","sentiment_score":0.058474067598581314},{"text":"So because it is a legal nomination, I have to get the the team to send you the forms because they have to be wet signed and witnessed.","start":1628.485,"end":1637.3,"sentiment":"neutral","sentiment_score":0.03854238581178444},{"text":"Do you have access to a printer, or do you prefer post?","start":1638.0,"end":1641.38,"sentiment":"neutral","sentiment_score":0.012820360716432333},{"text":"Post?","start":1644.495,"end":1644.8151,"sentiment":"neutral","sentiment_score":0.028477586805820465},{"text":"Okay.","start":1644.8151,"end":1645.135,"sentiment":"neutral","sentiment_score":0.0945756584405899}],"sentiment":"neutral","sentiment_score":0.03289670800400335,"num_words":43,"start":1627.845,"end":1645.135},{"sentences":[{"text":"Perfect.","start":1645.135,"end":1645.615,"sentiment":"neutral","sentiment_score":0.3240918219089508},{"text":"I will get the team to post that out to you.","start":1645.615,"end":1648.275,"sentiment":"neutral","sentiment_score":0.2333509542725303},{"text":"Keep an eye on the post.","start":1648.415,"end":1650.435,"sentiment":"neutral","sentiment_score":0.16899171968301138},{"text":"Complete them when you have a moment.","start":1652.095,"end":1654.3351,"sentiment":"neutral","sentiment_score":0.16851024329662323},{"text":"Send them back, and we can make sure that's uploaded with Hub twenty four for you.","start":1654.3351,"end":1658.22,"sentiment":"neutral","sentiment_score":0.15842209849506617}],"sentiment":"neutral","sentiment_score":0.18583482721956765,"num_words":41,"start":1645.135,"end":1658.22},{"sentences":[{"text":"Perfect.","start":1660.14,"end":1660.64,"sentiment":"positive","sentiment_score":0.4251270294189453},{"text":"Now is there anything else you would like me to go over with?","start":1660.78,"end":1663.9,"sentiment":"neutral","sentiment_score":0.18754906150010917},{"text":"Any other goals or anything that you need assistance with?","start":1663.9,"end":1666.72,"sentiment":"neutral","sentiment_score":0.1295861415565014},{"text":"No?","start":1669.02,"end":1669.52,"sentiment":"neutral","sentiment_score":0.26235082745552063},{"text":"Perfect.","start":1670.14,"end":1670.64,"sentiment":"positive","sentiment_score":0.4301168918609619}],"sentiment":"neutral","sentiment_score":0.1865997678385331,"num_words":26,"start":1660.14,"end":1670.64},{"sentences":[{"text":"Hopefully, it wasn't too quick for you.","start":1670.995,"end":1672.2749,"sentiment":"neutral","sentiment_score":0.26072356530598234},{"text":"I'll try to make it as time efficient for you as I can.","start":1672.2749,"end":1675.815,"sentiment":"neutral","sentiment_score":0.28585604291695815},{"text":"Now while I do have you on the phone, it will take me about a week or so to put together this research for your investments and the contribution.","start":1676.755,"end":1683.895,"sentiment":"neutral","sentiment_score":0.07269089373535123},{"text":"Do you have any time Wednesday, Thursday next week at all?","start":1686.1699,"end":1691.7899,"sentiment":"neutral","sentiment_score":0.022915232926607132},{"text":"Thursday afternoon?","start":1694.01,"end":1694.99,"sentiment":"neutral","sentiment_score":0.02506639715284109}],"sentiment":"neutral","sentiment_score":0.1282488675788045,"num_words":62,"start":1670.995,"end":1694.99},{"sentences":[{"text":"Alright.","start":1695.0499,"end":1695.37,"sentiment":"neutral","sentiment_score":0.04475500807166099},{"text":"Let me have a look.","start":1695.37,"end":1696.51,"sentiment":"neutral","sentiment_score":0.0371002446860075},{"text":"Would 03:00 work?","start":1697.0499,"end":1699.15,"sentiment":"neutral","sentiment_score":0.02794193352262179},{"text":"Yep.","start":1700.8949,"end":1701.2949,"sentiment":"neutral","sentiment_score":0.13219571113586426},{"text":"Alright.","start":1701.2949,"end":1701.7949,"sentiment":"neutral","sentiment_score":0.14883093535900116}],"sentiment":"neutral","sentiment_score":0.054100788960402664,"num_words":11,"start":1695.0499,"end":1701.7949},{"sentences":[{"text":"I'll lock that in on Thursday, June 18 at 3PM.","start":1701.855,"end":1706.195,"sentiment":"neutral","sentiment_score":0.10018850192427635},{"text":"I'll give you a call and run through any potential changes with your investments, and then we can take it from there.","start":1706.735,"end":1712.07,"sentiment":"neutral","sentiment_score":0.14702658795497633},{"text":"Beautiful.","start":1714.1499,"end":1714.63,"sentiment":"positive","sentiment_score":0.6323330402374268},{"text":"No worries at all.","start":1714.63,"end":1715.2699,"sentiment":"positive","sentiment_score":0.49870768934488297},{"text":"Thank you so much, Peter, and I look forward to speaking with you next Thursday.","start":1715.2699,"end":1718.49,"sentiment":"positive","sentiment_score":0.6275923907756805}],"sentiment":"neutral","sentiment_score":0.31302922333662325,"num_words":52,"start":1701.855,"end":1718.49},{"sentences":[{"text":"Yes?","start":1718.87,"end":1719.37,"sentiment":"neutral","sentiment_score":0.015097066760063171},{"text":"Veronica.","start":1721.35,"end":1721.85,"sentiment":"neutral","sentiment_score":0.019177475944161415},{"text":"Yes.","start":1721.99,"end":1722.3099,"sentiment":"neutral","sentiment_score":0.041263412684202194},{"text":"Correct.","start":1722.3099,"end":1722.8099,"sentiment":"neutral","sentiment_score":0.09686700254678726},{"text":"Yep.","start":1723.19,"end":1723.69,"sentiment":"neutral","sentiment_score":0.24170415103435516}],"sentiment":"neutral","sentiment_score":0.08282182179391384,"num_words":5,"start":1718.87,"end":1723.69},{"sentences":[{"text":"Keep a look at on the inbox as well when you have a moment just for those documents.","start":1724.1499,"end":1728.045,"sentiment":"neutral","sentiment_score":0.22827700939443377},{"text":"Yep.","start":1729.0851,"end":1729.5851,"sentiment":"neutral","sentiment_score":0.27240878343582153},{"text":"Beautiful.","start":1730.4451,"end":1730.8451,"sentiment":"positive","sentiment_score":0.716467022895813},{"text":"Well, thank you so much, Peter, and I look forward to speaking with you next week.","start":1730.8451,"end":1734.305,"sentiment":"positive","sentiment_score":0.7725181542336941},{"text":"You too.","start":1736.045,"end":1736.685,"sentiment":"positive","sentiment_score":0.4755335748195648}],"sentiment":"positive","sentiment_score":0.484453147179202,"num_words":38,"start":1724.1499,"end":1736.685},{"sentences":[{"text":"Speak soon.","start":1736.685,"end":1737.505,"sentiment":"neutral","sentiment_score":0.21304798126220703},{"text":"Bye.","start":1738.365,"end":1738.865,"sentiment":"neutral","sentiment_score":0.18305425345897677}],"sentiment":"neutral","sentiment_score":0.2030500719944636,"num_words":3,"start":1736.685,"end":1738.865}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Can you hear me? Oh, really? I've turned mine right up. Yeah. Yeah. Yeah. I can hear you a bit better. Yeah. No. I'm driving, but I can listen. Probably just wanna know more. Like, where are you investing in? Are you investing in, like, the ASX 200 still or is that the you know, whatever the American one is, like, obviously, one or yeah. It's probably one on four. Yeah. I'm twenty four. I was looking at that app. Oh, is that app or a website? I'm twenty four. Is that is that an app or a website or something? Yeah. No. Yeah. Okay. I've got I've got I've got the app. I just don't have my login. That's fine. Yeah. That's awesome. Yeah. Thank you. Yep. Yep. Yes. About I'm not I'm not stupid. I do the bunch of news. I listen to I listen to podcasts and news reports, and I take my news from everywhere, from the net, from from local stuff from legacy media from, yeah, everywhere. Yeah. Yeah. Yeah. They're having percentage towards, you know, like, emerging markets and things like that. Yeah. Yeah. Fine. Fine. Yep. Yep. Fine. Yeah. Yeah. Of course. Yeah. Yeah. How much is in that now? Cool. Yep. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. I'm fine. Yeah. Alright. Cool. Yeah. That's right. Yeah. Yeah. Yeah. I understand. I get it. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Well, depending where you are. Yeah. I see Brisbane, and I'm going too far down because the Olympics will probably hold that up a bit. Well, I probably will as well because, yeah, they're gonna put some games some part of the games down there, I'm pretty sure. Well, I've already cut Victoria Park that started the other day. They're building a big stadium at Victoria Park. Yeah. I'm pretty sure. And they're gonna that's why I think they're gonna upgrade, like, Suncorp and probably the one at the Gabba, you know, or the GABA, it's cool. And I think that we're looking at maybe doing something with QE two as well, but I'm not sure. Yeah. No. Yep. Yep. Sounds like a plan. Yeah. I'm just I'm just at a I'm just at a drop off point. That's all. Oh, yeah. Yeah. Yeah. Yeah. The transformer will hop in and pop it. It's closed on this issue. Yeah. I can hear you. Yeah. No. I'm probably with that in mind. I just gotta I've gotta get like, that one wants to insure me because of my blood pressure too high. Once I get that once I get that down, I've been doing a bit of exercise stuff. So I've been a doctor for a while, so I got back and get it checked, and I'll let you know. No. Yep. Yeah. Yep. Yeah. And you sent that email, the p dash l email? Yeah. Cool. No. Yep. Yep. Yep. So correct. Yep. Who who? Sorry? And find number ending in 011. No. It's on the right that's alright. Yeah. 0487 635555. Yep. One time, sir. Yep. Yeah. I know it's not contributing. Yeah. Yep. Yeah. Got that. Yeah. Yeah. Yeah. Yeah. I'm a try to do that. Yeah. I'll have to stop doing that. Can you know I do that manually or does it have to be done automatically? Yeah. Yeah. I wanna do that manually. Yeah. I'm gonna just pick my walk without that, actually. Yeah. Yeah. Yep. Yep. Yep. That'd be awesome. Yeah. Excuse also. Yep. Yeah. Cool. Yep. Yeah. Cool. Yep. Yeah. I don't think I'll be doing that much. Oh, hold on. Take a moment. Hold on. Hold on one second. How are you doing? I just dropped off for a pub set for you from Ashley? Yeah. Yeah. Yeah. A $100 a week. Yeah. Yep. Sweet. Yeah. Yep. Yeah. Yeah. Well, actually, if you just wanna do the one just do the one with a $100, and I'll make sure that happens. Yeah? Yeah. Those have to be a bit of work. Yeah? Yeah. Yeah. Probably the work. Yeah. Yep. Yeah. It's probably still yeah. Some oh, we got some of our we got a valuation a couple weeks ago, and it got record to be 1.4. 700 mortgage. Yeah. It should be 7 100. I I wish it was I wish it was 70. Yep. Right. Yep. Bye. Bye. Not something at all. Oh, good. Yeah. No parking on drinker. Have you got a wedding place? Alright. Okay. We're still gonna do that. And what time? I thought we thought it was nominated at least after that. Wasn't least for that? Yeah. Absolutely. Okay. That's cool. Post and all by post. Cool. You're doing good. That's awesome. Oh, it does. Hi afternoon. Sounds good. Cool. Thanks, Veronica. It was Veronica. It was Veronica. It was Veronica, wasn't it? Yeah. Sweet. Yeah. Cool. Yeah. I'll check my thing. Yeah. Cool. Yeah. Wonderful day. Bye. 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Yes. Can you hear me? Oh, really? I've turned mine right up.\n\nYeah. Yeah. Yeah. I can hear you a bit better. Yeah.\n\nNo. I'm driving, but I can listen. Probably just wanna know more. Like, where are you investing in? Are you investing in, like, the ASX 200 still or is that the you know, whatever the American one is, like, obviously, one or yeah.\n\nIt's probably one on four. Yeah. I'm twenty four. I was looking at that app. Oh, is that app or a website?\n\nI'm twenty four. Is that is that an app or a website or something? Yeah. No. Yeah.\n\nOkay. I've got I've got I've got the app. I just don't have my login. That's fine. Yeah.\n\nThat's awesome. Yeah. Thank you. Yep. Yep.\n\nYes. About I'm not I'm not stupid. I do the bunch of news. I listen to I listen to podcasts and news reports, and I take my news from everywhere, from the net, from from local stuff from legacy media from, yeah, everywhere. Yeah.\n\nYeah. Yeah. They're having percentage towards, you know, like, emerging markets and things like that. Yeah. Yeah.\n\nFine. Fine. Yep. Yep. Fine.\n\nYeah. Yeah. Of course. Yeah. Yeah.\n\nHow much is in that now? Cool. Yep. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yeah. I'm fine.\n\nYeah. Alright. Cool. Yeah. That's right.\n\nYeah. Yeah. Yeah. I understand. I get it.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Well, depending where you are.\n\nYeah. I see Brisbane, and I'm going too far down because the Olympics will probably hold that up a bit. Well, I probably will as well because, yeah, they're gonna put some games some part of the games down there, I'm pretty sure. Well, I've already cut Victoria Park that started the other day. They're building a big stadium at Victoria Park.\n\nYeah. I'm pretty sure. And they're gonna that's why I think they're gonna upgrade, like, Suncorp and probably the one at the Gabba, you know, or the GABA, it's cool. And I think that we're looking at maybe doing something with QE two as well, but I'm not sure. Yeah.\n\nNo. Yep. Yep. Sounds like a plan. Yeah.\n\nI'm just I'm just at a I'm just at a drop off point. That's all. Oh, yeah. Yeah. Yeah.\n\nYeah. The transformer will hop in and pop it. It's closed on this issue. Yeah. I can hear you.\n\nYeah. No. I'm probably with that in mind. I just gotta I've gotta get like, that one wants to insure me because of my blood pressure too high. Once I get that once I get that down, I've been doing a bit of exercise stuff.\n\nSo I've been a doctor for a while, so I got back and get it checked, and I'll let you know. No. Yep. Yeah. Yep.\n\nYeah. And you sent that email, the p dash l email? Yeah. Cool. No.\n\nYep. Yep. Yep. So correct. Yep.\n\nWho who? Sorry? And find number ending in 011. No. It's on the right that's alright.\n\nYeah. 0487 635555. Yep. One time, sir. Yep.\n\nYeah. I know it's not contributing. Yeah. Yep. Yeah.\n\nGot that. Yeah. Yeah. Yeah. Yeah.\n\nI'm a try to do that. Yeah. I'll have to stop doing that. Can you know I do that manually or does it have to be done automatically? Yeah.\n\nYeah. I wanna do that manually. Yeah. I'm gonna just pick my walk without that, actually. Yeah.\n\nYeah. Yep. Yep. Yep. That'd be awesome.\n\nYeah. Excuse also. Yep. Yeah. Cool.\n\nYep. Yeah. Cool. Yep. Yeah.\n\nI don't think I'll be doing that much. Oh, hold on. Take a moment. Hold on. Hold on one second.\n\nHow are you doing? I just dropped off for a pub set for you from Ashley? Yeah. Yeah. Yeah.\n\nA $100 a week. Yeah. Yep. Sweet. Yeah.\n\nYep. Yeah. Yeah. Well, actually, if you just wanna do the one just do the one with a $100, and I'll make sure that happens. Yeah?\n\nYeah. Those have to be a bit of work. Yeah? Yeah. Yeah.\n\nProbably the work. Yeah. Yep. Yeah. It's probably still yeah.\n\nSome oh, we got some of our we got a valuation a couple weeks ago, and it got record to be 1.4. 700 mortgage. Yeah. It should be 7 100. I I wish it was I wish it was 70.\n\nYep. Right. Yep. Bye. Bye.\n\nNot something at all. Oh, good. Yeah. No parking on drinker. Have you got a wedding place?\n\nAlright. Okay. We're still gonna do that. And what time? I thought we thought it was nominated at least after that.\n\nWasn't least for that? Yeah. Absolutely. Okay. That's cool.\n\nPost and all by post. Cool. You're doing good. That's awesome. Oh, it does.\n\nHi afternoon. Sounds good. Cool. Thanks, Veronica. It was Veronica.\n\nIt was Veronica. It was Veronica, wasn't it? Yeah. Sweet. Yeah.\n\nCool. Yeah. I'll check my thing. Yeah. Cool.\n\nYeah. Wonderful day. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":0.01117765996605158},{"text":"Yes.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.01771700568497181},{"text":"Can you hear me?","start":8.96,"end":9.94,"sentiment":"neutral","sentiment_score":0.0023542733397334814},{"text":"Oh, really?","start":12.32,"end":13.059999,"sentiment":"neutral","sentiment_score":-0.013557704631239176},{"text":"I've turned mine right 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you just wanna do the one just do the one with a $100, and I'll make sure that happens.","start":1430.96,"end":1435.6,"sentiment":"neutral","sentiment_score":0.14027223905379121},{"text":"Yeah?","start":1435.6,"end":1436.1,"sentiment":"neutral","sentiment_score":0.08626729249954224}],"sentiment":"neutral","sentiment_score":0.14275455274260962,"num_words":26,"start":1429.6,"end":1436.1},{"sentences":[{"text":"Yeah.","start":1439.2,"end":1439.36,"sentiment":"neutral","sentiment_score":0.06354601681232452},{"text":"Those have to be a bit of 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day.","start":1734.6489,"end":1735.6289,"sentiment":"positive","sentiment_score":0.7680889666080475},{"text":"Bye.","start":1736.6489,"end":1737.1489,"sentiment":"neutral","sentiment_score":0.2935052216053009},{"text":"Bye.","start":1739.6089,"end":1740.1089,"sentiment":"neutral","sentiment_score":0.11461012810468674}],"sentiment":"positive","sentiment_score":0.5038010284304619,"num_words":5,"start":1734.4089,"end":1740.1089}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. This is Randa speaking. Hello? Is this Peter?\n\nChannel 1: Hello? Yes. Can you hear me?\n\nChannel 0: Yeah. Can you hear me okay?\n\nChannel 1: Oh, really?\n\nChannel 0: Let me see. I\n\nChannel 1: I've turned mine right up.\n\nChannel 0: yeah. Mine's on\n\nChannel 1: Yeah.\n\nChannel 0: yeah. I can hear\n\nChannel 1: Yeah.\n\nChannel 0: you okay. It kind of drops out a little bit. I have turned one on max now as well. Can you hear it any better?\n\nChannel 1: Yeah. I can hear you a bit better. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Thank you for returning my callback. I had to look in for your annual review.\n\nIs now still a good time, or are you busy?\n\nChannel 1: No. I'm driving, but I can listen.\n\nChannel 0: Yeah. Okay. No. That works for me. Now before I do jump into the under review, I do like to usually start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just just a bit of a catch up and see where everything's at?\n\nChannel 1: Probably just wanna know more. Like, where are you investing in? Are you investing in, like, the ASX 200 still or is that the you know, whatever the American one is, like, obviously, one\n\nChannel 0: Yeah.\n\nChannel 1: or yeah. It's probably one on four. Yeah.\n\nChannel 0: Yeah. Perfect. So what I have done, which is a little bit hard for you, obviously, when you're on the phone, is part of the interview, I have sent you some documents. I'll go through them briefly with you now. And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them.\n\nBut one of the documents is your performance report with hub twenty four, and that breaks down all your current investment.\n\nChannel 1: I'm\n\nChannel 0: Sorry.\n\nChannel 1: twenty four. I was looking at that app. Oh, is that app or a website?\n\nChannel 0: What was that? Sorry?\n\nChannel 1: I'm twenty four. Is that is that an app or a website or something?\n\nChannel 0: Either or. So Hub twenty four, that's where we have your super funds.\n\nChannel 1: Yeah.\n\nChannel 0: Now the they do have a app as well. So you can access it on your on the website, or you can download an app on your smartphone. Now I use Hub twenty four for my personal super as well, and I just have\n\nChannel 1: No.\n\nChannel 0: the little app on my phone, which is quite convenient. Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform. But once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features. So\n\nChannel 1: Yeah.\n\nChannel 0: when you if you do get access to it, there's a little drop down, and it's called reports. And then you can actually choose different time frames. So you could do, like, three months or six months or twelve months or whatever time frame you want, and then you can click a lot of different reports to to give you a bit more if you are wanting that as well.\n\nChannel 1: Okay.\n\nChannel 0: So it's\n\nChannel 1: I've got\n\nChannel 0: quite handy.\n\nChannel 1: I've got I've got the app. I just don't have my login.\n\nChannel 0: I can give you your login ID, but you would have to reset your password. Obviously, if you are driving, I can get the team to email that to you after the call if that would be\n\nChannel 1: That's\n\nChannel 0: more convenient.\n\nChannel 1: fine. Yeah. That's awesome. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Thank\n\nChannel 0: Perfect.\n\nChannel 1: you.\n\nChannel 0: So I'll get them through, yeah, email you your client's ID, which you need, and then you can just press, like, reset password or create password if you haven't done one before. Now with your portfolio, if I do go back to that, like I said, the report shows you a twelve month period\n\nChannel 1: Yep. Yep.\n\nChannel 0: of your portfolio. And, obviously, are you quite familiar with, like, the markets and everything? Somewhat?\n\nChannel 1: Yes. About I'm not I'm not stupid. I do the bunch of news. I listen to\n\nChannel 0: Yeah.\n\nChannel 1: I listen to podcasts and news\n\nChannel 0: Yep.\n\nChannel 1: reports, and I take my news from everywhere, from the net, from from local stuff from legacy media from, yeah, everywhere.\n\nChannel 0: Okay. So it sounds like you're pretty pretty fairly across it, which is great. But with the the report, like I said, it shows you a twelve month period. Now, obviously, the last twelve months, as you would know from, obviously, the news and everything, we have seen quite a bit of fluctuation in the market.\n\nChannel 1: Yeah.\n\nChannel 0: Despite all of that, though, your portfolio as a whole now we are also invested in a aggressive portfolio for you. Do you\n\nChannel 1: Yeah.\n\nChannel 0: remember what it means to be an aggressive investor at all?\n\nChannel 1: Yeah. They're having percentage towards, you know, like, emerging markets and things like that.\n\nChannel 0: Yeah. So it's kind of obviously for tailored for investors who are wanting to maximize growth as much as possible. But, obviously, short term, you will see higher fluctuations because the goal is long term that growth. But\n\nChannel 1: Yeah.\n\nChannel 0: short term, especially when what's that? Sorry? You got you got the time. And so when, obviously, we do see a bit of cyclical trends and market fluctuations, what can happen in the aggressive portfolio is that we see more of those fluctuations because we are heavily invested in your growth investment. So you will see about 95 to a 100% invested in your your growth investment.\n\nAnd having a look at your portfolio, you the minimum in Hub twenty four cash balance is 1.25%, and that is just to cover, you know, fees\n\nChannel 1: Yeah.\n\nChannel 0: and stuff like that. The rest in your portfolio is investing those growth investments. So you don't really have any defensive investments. Everything is in growth investments, which would\n\nChannel 1: Fine.\n\nChannel 0: be things like Australian shares, international shares, and property as well, and that will give you the growth long term.\n\nChannel 1: Fine.\n\nChannel 0: Because you don't obviously have any defensive investment, when there are fluctuations in the market, you don't have anything to kind of stabilize and smooth things out. Now if you do have twelve years till kind of when you wanna access SOFA, that's no concern from a time frame point of view because,\n\nChannel 1: Yep.\n\nChannel 0: typically, in an aggressive portfolio, ideally, we would like to see about ten years for retirement\n\nChannel 1: Yep.\n\nChannel 0: to make sure you have enough time for those kind of fluctuations to come back around on the short term. So\n\nChannel 1: Fine.\n\nChannel 0: time frame wise, it does align with if you are saying around twelve years. As long as\n\nChannel 1: Yeah.\n\nChannel 0: you are still kind of comfortable with those kind of short term, bigger fluctuations, is that still something you are comfortable with as long as, obviously, long term, you will see that growth?\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yep. Perfect. So with your portfolio, like I said, because we do have you in aggressive portfolio, it can see quite a bit of more short term fluctuations. Despite\n\nChannel 1: Yeah.\n\nChannel 0: all of that, though, it's still done pretty good, given the last twelve months. So in the last\n\nChannel 1: Yeah.\n\nChannel 0: twelve months, this is first as a whole, after fees after all fees have been deducted from your account, your portfolio has still gone up by 7.48%, which is pretty good given the the market in the last twelve months, and that we do have you in an aggressive portfolio.\n\nChannel 1: How much is in that now?\n\nChannel 0: So your current balance is 297,371 and 37¢.\n\nChannel 1: Cool.\n\nChannel 0: Yep. It's also on the document as well if you do wanna have a look at it. Now\n\nChannel 1: Yep.\n\nChannel 0: when you do break down your individual investments, you will see a bit of a mix. So you have one managed fund in your portfolio, and that is your Benelon Australian equity. So that one invests in Australian equity. And how that one is a little bit different to your other ETFs is that they are actually buying and selling different investments in order to try to outperform the market. Now Benelung had done really well up to quite recently, but more shorter term, they've been a little bit slower in making their investment decisions.\n\nThey were also invested in the corporate travel group, which you may have heard of. They had a bit of issues with their reporting anyway, so there was a bit of it had to be suspended. So it did also cause a bit of fluctuation through your Benelung investment. So the investment committee would do research on your investments all the time because at the same time, obviously, the markets are always changing. So we wanna make sure we are obviously proactive with your investments, that if it is a need that we foresee, well, one investment might not be the best thing moving forward, then\n\nChannel 1: Yeah.\n\nChannel 0: we wanna\n\nChannel 1: Yeah.\n\nChannel 0: obviously do more research and see, okay. Well, can we potentially change this to an alternative option for you? So\n\nChannel 1: Okay.\n\nChannel 0: if you are happy for me to do so, I would like to look at potentially changing your bend along for you. If I can, yeah, if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother. So I will go and do some research. Does it all make sense so far, Peter?\n\nChannel 1: Yeah. Yeah. Yeah. I'm fine.\n\nChannel 0: Yeah. Perfect. Now, otherwise, in your investments, you do have cybersecurity. So that is an ETF investing in cybersecurity companies. That one did pretty good even though it's seen quite a bit of fluctuations.\n\nSo the last twelve months, that was up by 31.57%, which was pretty good. You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology. The need for cybersecurity is there.\n\nChannel 1: Yeah.\n\nChannel 0: So we don't really foresee it not being a good investment, and\n\nChannel 1: Alright.\n\nChannel 0: it is\n\nChannel 1: Cool.\n\nChannel 0: something we are researching, but it is one that fluctuates. So it's more of your satellite investment. So we do see a little bit smaller portion allocated to it because it can fluctuate, but it's still\n\nChannel 1: Yeah.\n\nChannel 0: very much one of those investments that do have good growth opportunities because of, obviously, the cybersecurity space.\n\nChannel 1: That's right.\n\nChannel 0: Yeah. Now you also have one investment which is the s and p five hundred. That one\n\nChannel 1: Yeah.\n\nChannel 0: is a little bit different to your traditional investment. So your iShares s and p five hundred, for example, it just invests in the 500 largest companies listed in The US.\n\nChannel 1: Yeah.\n\nChannel 0: The biggest companies have a bigger portion allocated to the investments, and smaller companies have a smaller percentage.\n\nChannel 1: Yeah. I\n\nChannel 0: That's\n\nChannel 1: understand.\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: did\n\nChannel 1: get it.\n\nChannel 0: not. Yeah. Now the one that we currently have in your portfolio, it's called an equal weight. So what that means is that all 500 companies literally have an equal split. So\n\nChannel 1: Yep.\n\nChannel 0: the biggest companies aren't over weighted or the smallest companies smaller. So what can\n\nChannel 1: Yeah.\n\nChannel 0: happen, obviously, with fluctuations, they they can do really well because you kind of spread things out and you can get more growth if the smaller companies are doing really well. But then at the\n\nChannel 1: Yeah.\n\nChannel 0: same time, when the really big companies are doing fantastic, you're not\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: 100, your technology companies and everything. That one had done really well as well, eighteen point eight five. Still a very good investment. You also\n\nChannel 1: Yep.\n\nChannel 0: have another one, which is your beta shares, Raffi Australia two hundred. That\n\nChannel 1: Yeah.\n\nChannel 0: one has only done about 0.75%. And that is also because the Australian market hasn't done as well as The US in the last twelve months as well overall. And\n\nChannel 1: Yep.\n\nChannel 0: the beta shares roughly Australia, it does invest in Australian companies, but it is instead of kind of your traditional ones that, again, are weighted by\n\nChannel 1: Yep.\n\nChannel 0: size of the company, this one kind of invests in the fundamental measures of different way of choosing companies. Still a good investment, though.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have Battery x Tech and Lithium. That one has been a bit of up and down the last twelve months. Overall, right now, it's up at 18.99, which is pretty good because it has been quite a bit of fluctuations. More recently, took a pretty big jump, and, obviously, everything with fuel prices and the war and everything, the need\n\nChannel 1: Yeah.\n\nChannel 0: for, obviously, electric vehicles took a bit of a bit of a jump. So that one has seen a a bit of a increase. We have one as well. So your more kind of emerging markets like you touched on, which is a VanEck China new investment. That\n\nChannel 1: Yeah.\n\nChannel 0: one has underperformed at least a bit recently, which\n\nChannel 1: Yep.\n\nChannel 0: can happen with your emerging markets, and that's\n\nChannel 1: Yep.\n\nChannel 0: down by about 2.51%. And then property, you have as well, and that's obviously, if you would have seen by the news as well, it's been a bit of fluctuations in the property market.\n\nChannel 1: Well, depending where\n\nChannel 0: That\n\nChannel 1: you\n\nChannel 0: one\n\nChannel 1: are.\n\nChannel 0: correct. Some\n\nChannel 1: Yeah.\n\nChannel 0: places, amazing, and, obviously, kind of a little bit of up and down. But\n\nChannel 1: I see Brisbane,\n\nChannel 0: that one is\n\nChannel 1: and I'm going too far down because the Olympics will probably hold that\n\nChannel 0: yes.\n\nChannel 1: up a bit.\n\nChannel 0: Yes. And that's probably, hopefully, flowing onto the Gold Coast where we are at as well\n\nChannel 1: Well, I\n\nChannel 0: with\n\nChannel 1: probably will\n\nChannel 0: that.\n\nChannel 1: as well because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, they're gonna put some games some part of the games down there, I'm pretty sure.\n\nChannel 0: Yeah. I read that too. I think they're building they're building quite a bit in in Brisbane or looking to buy quite a bit in build in Brisbane, which will\n\nChannel 1: Well, I've already cut Victoria Park that started the other day.\n\nChannel 0: oh, really?\n\nChannel 1: They're building a big stadium at Victoria Park. Yeah.\n\nChannel 0: Oh, wow. Is that the only big one? Do you know? Or\n\nChannel 1: I'm pretty sure. And they're gonna that's why\n\nChannel 0: Yeah.\n\nChannel 1: I think they're gonna upgrade, like, Suncorp and probably the one at the Gabba, you know, or the GABA,\n\nChannel 0: Yes.\n\nChannel 1: it's cool.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: I think that we're looking at maybe doing something with QE two as well, but I'm not sure.\n\nChannel 0: Okay. Yeah. They'll probably have to do a little bit of upgrades with everything, but that that will be good, especially for for\n\nChannel 1: Yeah.\n\nChannel 0: property and and stuff and rentals as well. So, yeah, overall, it's still done pretty good. But like I said, it is good to reassess your investments, especially with everything going on in the market and the\n\nChannel 1: No.\n\nChannel 0: world. So if you're happy for me to do so, I will go and do a bit more kind of in-depth research on your investments, especially that Benelon. And if I do find some other options for you, I will put a proposal together, go\n\nChannel 1: Yep.\n\nChannel 0: through\n\nChannel 1: Yep.\n\nChannel 0: it with you, and then you can let me know what you think.\n\nChannel 1: Sounds like a plan.\n\nChannel 0: Yep. Perfect. Now, otherwise, I will try to make it quick for you if you have to go.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: I'm\n\nChannel 0: was\n\nChannel 1: just\n\nChannel 0: basically\n\nChannel 1: I'm just\n\nChannel 0: your\n\nChannel 1: at a I'm just at\n\nChannel 0: what\n\nChannel 1: a\n\nChannel 0: was\n\nChannel 1: drop\n\nChannel 0: that?\n\nChannel 1: off\n\nChannel 0: Sorry.\n\nChannel 1: point. That's all.\n\nChannel 0: Okay.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Can you talk at the same time or\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Yeah.\n\nChannel 0: really?\n\nChannel 1: Yeah. The\n\nChannel 0: Yeah.\n\nChannel 1: transformer\n\nChannel 0: Okay. Perfect.\n\nChannel 1: will hop in and pop it. It's closed on this issue.\n\nChannel 0: No. That's all good. As long as you can hear me,\n\nChannel 1: Yeah. I\n\nChannel 0: that's\n\nChannel 1: can hear\n\nChannel 0: all\n\nChannel 1: you.\n\nChannel 0: good.\n\nChannel 1: Yeah.\n\nChannel 0: Now, obviously, aside from Super, we don't have any insurances for you at the moment. You you are still happy with that. Do you have any questions in regards to insurances?\n\nChannel 1: No. I'm probably with that in mind. I just gotta\n\nChannel 0: Yep.\n\nChannel 1: I've gotta get like, that one wants to insure me because of my blood pressure too\n\nChannel 0: Yeah. Yeah. I did read that.\n\nChannel 1: high.\n\nChannel 0: Sorry. If if you do\n\nChannel 1: Once I get that once\n\nChannel 0: yep.\n\nChannel 1: I get that down, I've been doing a bit of exercise stuff. So I've been a\n\nChannel 0: That's\n\nChannel 1: doctor for a while,\n\nChannel 0: good.\n\nChannel 1: so I got back and get it checked, and I'll let\n\nChannel 0: Yeah.\n\nChannel 1: you know.\n\nChannel 0: Yeah. If it does come down and a bit more kind of that that stable range, let me know, and then we can always have a look at your insurances again for you at any point in time. It doesn't have to be a review time. You can just give me a call, if you wanna revisit. Yep.\n\nAnytime, or we can have a look at it. Now in the documents as well, you will see, a couple of other ones. You will see a financial services guide. You would have seen this one before, so I'll kind of skip over it. Just the updated version.\n\nOne of those compliance documents that gives you all the important information in regards to us. All the team\n\nChannel 1: No.\n\nChannel 0: director's advices are in there. If you do wanna put a face to the voice, I'm also there on page nine, I believe. And there are two documents that we'll need signing if you're happy for that when you have a moment.\n\nChannel 1: Yep.\n\nChannel 0: One is an ongoing advice fee, and that is\n\nChannel 1: Yeah.\n\nChannel 0: just to say\n\nChannel 1: Yep.\n\nChannel 0: that you are happy to stay on with the client, same as your last under review. There's no changes, though, in regards to the fee structure.\n\nChannel 1: Yeah.\n\nChannel 0: It stays exactly the same at 1.65. No changes. No lock in contract. So if at any point in time, you are not happy. No lock in contract.\n\nBut finding this just lets us service and manage your account and everything for you in the meantime.\n\nChannel 1: And you sent that email, the p dash l email?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Cool.\n\nChannel 0: That should be have a look through spam as well because we have changed the software recently.\n\nChannel 1: No.\n\nChannel 0: So it could it could be there as well. Now the last thing I'll do quickly run through that with you, Peter, and I'll tryna make it really quick. It is just an updated fact fine, and that's just\n\nChannel 1: Yep.\n\nChannel 0: because needing to see if we need to make any further changes to your advice. But then, also, because I am putting a proposal together for your investments, I wanna make sure I have all the correct information. So I'll try to make it quick for you. Now personal information, I have you down here as a marriage with two financial dependents. Is that\n\nChannel 1: Yep.\n\nChannel 0: correct?\n\nChannel 1: Yep. So correct.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I do have here your, wife nominated as a Next Stop Kin phone number ending in 011. That's also correct?\n\nChannel 1: Who who? Sorry?\n\nChannel 0: Lisa?\n\nChannel 1: And find number ending in 011.\n\nChannel 0: Yes.\n\nChannel 1: No. It's on the right that's alright.\n\nChannel 0: That's not right? Okay. I will update that. Do you know what it is?\n\nChannel 1: Yeah. 0487\n\nChannel 0: O four eight seven. Yep.\n\nChannel 1: 635555.\n\nChannel 0: Six three, 5555. Beautiful. I will update that, make sure we have the right one. Now occupation wise, still working as a courier, or has anything\n\nChannel 1: Yep.\n\nChannel 0: changed? Yep.\n\nChannel 1: One time,\n\nChannel 0: Perfect.\n\nChannel 1: sir.\n\nChannel 0: And are you still working as a sole trader?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now last time, I think you spoke to my colleague, Dana, you'd kind of been in the role for about six months or so, so you weren't overly sure of your income at the time.\n\nChannel 1: Yeah. I know\n\nChannel 0: We\n\nChannel 1: it's\n\nChannel 0: had\n\nChannel 1: not\n\nChannel 0: had\n\nChannel 1: contributing. Yeah.\n\nChannel 0: yeah. And income wise,\n\nChannel 1: Yep.\n\nChannel 0: do you have do you pay yourself about 80,000?\n\nChannel 1: Yeah. Got that. Yeah.\n\nChannel 0: About that. K. And you\n\nChannel 1: Yeah.\n\nChannel 0: said as well with contribution. So do you because, obviously, as a sole trader, it's up to you to make those contributions.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Do\n\nChannel 1: I'm a\n\nChannel 0: you\n\nChannel 1: try to do that.\n\nChannel 0: yeah. Is that something you are wanting to do as well?\n\nChannel 1: Yeah. I'll have to stop doing that. Can you know I do that manually or does it have to be done automatically?\n\nChannel 0: You can do it either way. So the as a sole trader, you can do it you can have it set it up automatically so it comes out of your account, or you can and you can do that regularly, or you can\n\nChannel 1: Yeah.\n\nChannel 0: have it like, do it manually whenever you have, like, a little bit of spare cash or anything you wanna put in.\n\nChannel 1: Yeah. I wanna do that manually. Yeah.\n\nChannel 0: Yeah. Do you have any amount do you think you wanna do?\n\nChannel 1: I'm gonna just pick my walk without that, actually.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. So what I can do is, well, is I will get the team so when they email you their their ID so you can log in to Hub twenty four, I'll get them to include your contribution information in an email\n\nChannel 1: Yeah.\n\nChannel 0: so that you have\n\nChannel 1: Yep.\n\nChannel 0: it. Now, obviously, as a self employed, because you will make contributions basically from your bank account, which is after tax contribution.\n\nChannel 1: Yep.\n\nChannel 0: They would go in through super as after tax. But then what we can do is we can help before the end of the financial year each year for you is that we can help you do a notice of intensive claim, it's called. Basically, what it means is that we'd we can change the contributions to pretax and\n\nChannel 1: Yep.\n\nChannel 0: save you a little bit in in tax by doing so.\n\nChannel 1: That'd\n\nChannel 0: So\n\nChannel 1: be awesome.\n\nChannel 0: if it yeah. So if it is something you wanted to do, just be mindful because the end of the financial year is coming up soon. So if\n\nChannel 1: Yeah.\n\nChannel 0: it is that you're wanting to make a little bit of contributions this year, I would suggest doing it next week,\n\nChannel 1: Excuse\n\nChannel 0: probably\n\nChannel 1: also.\n\nChannel 0: the exact especially before before Thursday, ideally. You can respond to the email that my colleague, Whitlam, will send you with the contribution details.\n\nChannel 1: Yep.\n\nChannel 0: Let us know if you've done it and that you want to claim the the notice of intent, and then he can\n\nChannel 1: Yeah.\n\nChannel 0: assist you with the forms of doing so.\n\nChannel 1: Cool.\n\nChannel 0: With the contributions, just something to be mindful of, obviously, is that once you put it into super, it is locked in until you meet a condition of release.\n\nChannel 1: Yep.\n\nChannel 0: So for example, deciding to retire, stop working at 60. Otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: it will be locked in for you. The good\n\nChannel 1: Cool.\n\nChannel 0: thing is that it will continue to grow your superannuation, and it is a tax effective way of doing it.\n\nChannel 1: Yep.\n\nChannel 0: There is also a contribution cap. So pretax contribution, there is a cap of 30,000 each financial year. Are you\n\nChannel 1: Yeah. I\n\nChannel 0: thinking\n\nChannel 1: don't think\n\nChannel 0: of\n\nChannel 1: I'll be\n\nChannel 0: doing\n\nChannel 1: doing that much.\n\nChannel 0: okay. Perfect. It's just something I do wanna flag. If there ever is a situation where you go, oh, I've come in through a bit of money or I have a bit of extra, can I put it in? How much can I put it in?\n\nIf you're wanting to do a little bit larger amount, just give me a call because I would just like to run that number for you.\n\nChannel 1: Oh, hold on. Take a moment. Hold on.\n\nChannel 0: Yeah.\n\nChannel 1: Hold on\n\nChannel 0: Sure.\n\nChannel 1: one second. How are you doing? I just dropped off for a pub set for you from Ashley? Yeah.\n\nChannel 0: No. That's all good. Now with the investment, so when I put together the proposal for you, that\n\nChannel 1: Yeah.\n\nChannel 0: obviously changes depending on your contributions. Because when you put contributions in, it's going to compound. So I can\n\nChannel 1: Yeah.\n\nChannel 0: do two options for you. I can do one with no contributions to show you. And then do you have a rough like, if you were to just give me a rough weekly,\n\nChannel 1: A\n\nChannel 0: how\n\nChannel 1: $100\n\nChannel 0: much do you\n\nChannel 1: a\n\nChannel 0: think\n\nChannel 1: week.\n\nChannel 0: 100 calls?\n\nChannel 1: Yeah.\n\nChannel 0: And then I'll and then I'll show you what $100 per week would look like\n\nChannel 1: Yep.\n\nChannel 0: just so that you can then kind of see the compounding effect of that as well.\n\nChannel 1: Sweet.\n\nChannel 0: Would you like me to, part of the research, put together a strategy of showing you how the $100 per week, like, what the actual, like, making that into a recommendation and showing you the tax savings and everything in regards to the $100 per week?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: Well, actually,\n\nChannel 0: add that. Yeah.\n\nChannel 1: if you just wanna do the one just do the one with a $100, and I'll make sure that happens. Yeah?\n\nChannel 0: Yep. Okay. Perfect. I will include a $100 there for you per\n\nChannel 1: Yeah.\n\nChannel 0: week.\n\nChannel 1: Those have to\n\nChannel 0: Now\n\nChannel 1: be a bit of work. Yeah?\n\nChannel 0: yeah. Yeah. I can do that for you. Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you.\n\nChannel 1: Yeah. Yeah. Probably the work.\n\nChannel 0: It is good to do it weekly because it's dollar cost averaging. So, obviously, you're buying sometimes when the market's high, sometimes when it's low. So you will kind\n\nChannel 1: Yeah.\n\nChannel 0: of average things out. Whereas if you do a lump sum, if at the time the market's really high, then, obviously, you're not gonna get as much. Or if you're really lucky, it's down. So dollar cost averaging is a great way of doing it. So I\n\nChannel 1: Yep.\n\nChannel 0: will factor that in. Now the last thing, otherwise, is just assets. I do need to just triple check that for you. I have your property at 1.2 mil. Is that still roughly the case?\n\nChannel 1: Yeah. It's probably still yeah.\n\nChannel 0: About that\n\nChannel 1: Some\n\nChannel 0: and about\n\nChannel 1: oh, we\n\nChannel 0: 70\n\nChannel 1: got some\n\nChannel 0: thousand.\n\nChannel 1: of our we got a valuation a couple weeks ago, and it\n\nChannel 0: Yeah?\n\nChannel 1: got record to be 1.4.\n\nChannel 0: 1.4? Okay. I can update that. That's great. So 1.4 mortgage about 70.\n\nChannel 1: 700\n\nChannel 0: Seventy thousand.\n\nChannel 1: mortgage.\n\nChannel 0: Yeah? Or is there is there a zero missing here? Is it 700?\n\nChannel 1: Yeah. It should be 7\n\nChannel 0: Okay.\n\nChannel 1: 100.\n\nChannel 0: Perfect. I was like, oh, that's really good. I'm probably for 1.4 now.\n\nChannel 1: I I\n\nChannel 0: Perfect.\n\nChannel 1: wish it was I wish it was 70.\n\nChannel 0: I also have here a motor vehicle ride at about twenty five thousand.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then a boat about 5,000.\n\nChannel 1: Right. Yep.\n\nChannel 0: Perfect. And nothing owing on either of those?\n\nChannel 1: Bye.\n\nChannel 0: No. Any other assets or any liabilities that we haven't gone over, like personal loans or anything else?\n\nChannel 1: Bye.\n\nChannel 0: Not perfect. Changes in health and lifestyle. Otherwise, I know you said you're obviously exercising, which is fantastic. Any other changes? Like, have you had any health issues or injuries or\n\nChannel 1: Not something\n\nChannel 0: anything\n\nChannel 1: at\n\nChannel 0: like\n\nChannel 1: all.\n\nChannel 0: that? No. Perfect. Still\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: good.\n\nChannel 0: nonsmoker as well?\n\nChannel 1: Yeah. No parking on drinker.\n\nChannel 0: Yep. Beautiful. Last thing is estate planning wise. Do you guys have a will in place or power of attorney?\n\nChannel 1: Have you got a wedding place?\n\nChannel 0: Yep. Do you know?\n\nChannel 1: Alright. Okay. We're still gonna\n\nChannel 0: Nope.\n\nChannel 1: do that.\n\nChannel 0: No. That's okay. Now I do have here as well. So for your superannuation, we don't currently have a valid nomination. So that is someone that you would like to ensure gets your super if something were to happen to you.\n\nDo you know who you would like that person to be?\n\nChannel 1: And what time?\n\nChannel 0: If something so for your superannuation, because your super does not form part of your estate, we can do a separate nomination, just a quick form. It does have to be web signed, though, to make sure that your superannuation goes through the person that you would like it to go through if something ever were to happen to you. So\n\nChannel 1: I thought\n\nChannel 0: if\n\nChannel 1: we\n\nChannel 0: something\n\nChannel 1: thought it was nominated\n\nChannel 0: were to happen.\n\nChannel 1: at least after that. Wasn't least for that?\n\nChannel 0: No. We have her as next of kin, but not on the actual legal forms. Would you like it to be her?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yep. Okay. So because it is a legal nomination, I have to get the the team to send you the forms because they have to be wet signed and witnessed. Do\n\nChannel 1: Okay.\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: have access to a printer, or do you prefer post?\n\nChannel 1: cool. Post and all by post.\n\nChannel 0: Post? Okay. Perfect. I will get the team to post that out to you. Keep an eye on the post.\n\nComplete them when you have a moment. Send them back, and we can make sure that's uploaded with Hub twenty four for you.\n\nChannel 1: Cool.\n\nChannel 0: Perfect. Now is there anything else you would like me to go over with? Any other goals or anything that you need assistance with?\n\nChannel 1: You're doing good. That's awesome.\n\nChannel 0: No? Perfect. Hopefully, it wasn't too quick for you. I'll try to make it as time efficient for you as I can. Now while I do have you on the phone, it will take me about a week or so to put together this research for your investments and the contribution.\n\nDo you have any time Wednesday, Thursday next week at all?\n\nChannel 1: Oh, it does. Hi afternoon.\n\nChannel 0: Thursday afternoon? Alright. Let me have a look. Would 03:00 work?\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Alright. I'll lock that in on Thursday, June 18 at 3PM. I'll give you a call and run through any potential changes with your investments, and then we can take it from there.\n\nChannel 1: Cool. Thanks, Veronica.\n\nChannel 0: Beautiful. No worries at all. Thank you so much, Peter, and I look forward to speaking with\n\nChannel 1: It\n\nChannel 0: you\n\nChannel 1: was\n\nChannel 0: next Thursday.\n\nChannel 1: Veronica. It was\n\nChannel 0: Yes?\n\nChannel 1: Veronica. It was Veronica, wasn't it?\n\nChannel 0: Veronica. Yes. Correct.\n\nChannel 1: Yeah. Sweet.\n\nChannel 0: Yep. Keep\n\nChannel 1: Yeah.\n\nChannel 0: a look\n\nChannel 1: Cool.\n\nChannel 0: at on the inbox as well when you have a moment just for those\n\nChannel 1: Yeah.\n\nChannel 0: documents.\n\nChannel 1: I'll check my thing. Yeah.\n\nChannel 0: Yep. Beautiful. Well, thank\n\nChannel 1: Cool.\n\nChannel 0: you so much, Peter, and I look forward to speaking with you next week.\n\nChannel 1: Yeah. Wonderful day.\n\nChannel 0: You too.\n\nChannel 1: Bye.\n\nChannel 0: Speak soon. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.024032384157180783},{"text":"This is Randa speaking.","start":1.5999999,"end":2.74,"sentiment":"neutral","sentiment_score":0.028084338642656803},{"text":"Hello?","start":6.24,"end":6.74,"sentiment":"neutral","sentiment_score":0.017126571387052536},{"text":"Is this Peter?","start":7.04,"end":8.02,"sentiment":"neutral","sentiment_score":0.01912020208934943}],"sentiment":"neutral","sentiment_score":0.023428546264767647,"channel":0,"num_words":9,"start":1.28,"end":8.02},{"sentences":[{"text":"Hello?","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":0.01117765996605158},{"text":"Yes.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.01771700568497181},{"text":"Can you hear me?","start":8.96,"end":9.94,"sentiment":"neutral","sentiment_score":0.0023542733397334814}],"sentiment":"neutral","sentiment_score":0.006385293168326219,"channel":1,"num_words":6,"start":7.9199996,"end":9.94},{"sentences":[{"text":"Yeah.","start":10.16,"end":10.48,"sentiment":"neutral","sentiment_score":0.00847911462187767},{"text":"Can you hear me okay?","start":10.48,"end":11.7,"sentiment":"neutral","sentiment_score":-0.005001242272555828}],"sentiment":"neutral","sentiment_score":-0.0027545161234835782,"channel":0,"num_words":6,"start":10.16,"end":11.7},{"sentences":[{"text":"Oh, really?","start":12.32,"end":13.059999,"sentiment":"neutral","sentiment_score":-0.013557704631239176}],"sentiment":"neutral","sentiment_score":-0.013557704631239176,"channel":1,"num_words":2,"start":12.32,"end":13.059999},{"sentences":[{"text":"Let me see.","start":14.655001,"end":15.795,"sentiment":"neutral","sentiment_score":-0.013851132243871689},{"text":"I","start":15.935,"end":16.175,"sentiment":"neutral","sentiment_score":-0.018592940643429756}],"sentiment":"neutral","sentiment_score":-0.015036584343761206,"channel":0,"num_words":4,"start":14.655001,"end":16.175},{"sentences":[{"text":"I've turned mine right up.","start":17.404999,"end":18.945,"sentiment":"neutral","sentiment_score":-0.015331275016069412}],"sentiment":"neutral","sentiment_score":-0.015331275016069412,"channel":1,"num_words":5,"start":17.404999,"end":18.945},{"sentences":[{"text":"yeah.","start":20.415,"end":20.735,"sentiment":"neutral","sentiment_score":0.008718612603843212},{"text":"Mine's on","start":20.735,"end":21.555,"sentiment":"neutral","sentiment_score":0.006642069201916456}],"sentiment":"neutral","sentiment_score":0.007334250335892041,"channel":0,"num_words":3,"start":20.415,"end":21.555},{"sentences":[{"text":"Yeah.","start":21.164999,"end":21.664999,"sentiment":"neutral","sentiment_score":0.018047746270895004}],"sentiment":"neutral","sentiment_score":0.018047746270895004,"channel":1,"num_words":1,"start":21.164999,"end":21.664999},{"sentences":[{"text":"yeah.","start":22.575,"end":23.075,"sentiment":"neutral","sentiment_score":0.026790514588356015},{"text":"I can hear","start":23.135,"end":23.775,"sentiment":"neutral","sentiment_score":0.01940471399575472}],"sentiment":"neutral","sentiment_score":0.021251164143905044,"channel":0,"num_words":4,"start":22.575,"end":23.775},{"sentences":[{"text":"Yeah.","start":23.724998,"end":24.224998,"sentiment":"neutral","sentiment_score":0.019384153187274933}],"sentiment":"neutral","sentiment_score":0.019384153187274933,"channel":1,"num_words":1,"start":23.724998,"end":24.224998},{"sentences":[{"text":"you okay.","start":23.775,"end":24.255001,"sentiment":"neutral","sentiment_score":0.010406306944787502},{"text":"It kind of drops out a little bit.","start":24.255001,"end":26.255001,"sentiment":"neutral","sentiment_score":-0.2220353614538908},{"text":"I have turned one on max now as well.","start":26.255001,"end":28.61,"sentiment":"neutral","sentiment_score":-0.0345602250761456},{"text":"Can you hear it any better?","start":28.61,"end":29.91,"sentiment":"neutral","sentiment_score":-0.08140263706445694}],"sentiment":"neutral","sentiment_score":-0.10219712503254413,"channel":0,"num_words":25,"start":23.775,"end":29.91},{"sentences":[{"text":"Yeah.","start":30.7,"end":30.94,"sentiment":"neutral","sentiment_score":0.014376789331436155},{"text":"I can hear you a bit better.","start":30.94,"end":31.98,"sentiment":"neutral","sentiment_score":0.023987969915781702},{"text":"Yeah.","start":31.98,"end":32.48,"sentiment":"neutral","sentiment_score":0.08645913004875183}],"sentiment":"neutral","sentiment_score":0.029861300976739988,"channel":1,"num_words":9,"start":30.7,"end":32.48},{"sentences":[{"text":"Yeah.","start":32.93,"end":33.33,"sentiment":"neutral","sentiment_score":0.1085190251469612},{"text":"Okay.","start":33.33,"end":33.83,"sentiment":"neutral","sentiment_score":0.23445144295692444},{"text":"Perfect.","start":34.05,"end":34.55,"sentiment":"positive","sentiment_score":0.6130231022834778},{"text":"Thank you for returning my callback.","start":35.81,"end":37.59,"sentiment":"positive","sentiment_score":0.6569643417994181},{"text":"I had to look in for your annual review.","start":38.21,"end":40.585,"sentiment":"neutral","sentiment_score":0.29302511115868884}],"sentiment":"positive","sentiment_score":0.41861142342289287,"channel":0,"num_words":18,"start":32.93,"end":40.585},{"sentences":[{"text":"Is now still a good time, or are you busy?","start":40.585,"end":42.845,"sentiment":"neutral","sentiment_score":0.2281975641846657}],"sentiment":"neutral","sentiment_score":0.2281975641846657,"channel":0,"num_words":10,"start":40.585,"end":42.845},{"sentences":[{"text":"No.","start":43.795,"end":43.954998,"sentiment":"neutral","sentiment_score":-0.05948217958211899},{"text":"I'm driving, but I can listen.","start":43.954998,"end":45.815,"sentiment":"neutral","sentiment_score":-0.024295299003521603}],"sentiment":"neutral","sentiment_score":-0.029321996229035512,"channel":1,"num_words":7,"start":43.795,"end":45.815},{"sentences":[{"text":"Yeah.","start":46.505,"end":46.905,"sentiment":"neutral","sentiment_score":0.0830732136964798},{"text":"Okay.","start":46.905,"end":47.225,"sentiment":"neutral","sentiment_score":0.07409552484750748},{"text":"No.","start":47.225,"end":47.465,"sentiment":"neutral","sentiment_score":0.06960602104663849},{"text":"That works for me.","start":47.465,"end":48.765,"sentiment":"neutral","sentiment_score":0.16499390359967947},{"text":"Now before I do jump into the under review, I do like to usually start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just just a bit of a catch up and see where everything's at?","start":50.265,"end":66.86,"sentiment":"neutral","sentiment_score":0.09358956525891514}],"sentiment":"neutral","sentiment_score":0.09709901097371723,"channel":0,"num_words":66,"start":46.505,"end":66.86},{"sentences":[{"text":"Probably just wanna know more.","start":67.64,"end":69.18,"sentiment":"neutral","sentiment_score":0.014567803964018822},{"text":"Like, where are you investing in?","start":69.545,"end":70.825,"sentiment":"neutral","sentiment_score":0.008515204613407453},{"text":"Are you investing in, like, the ASX 200 still or is that the you know, whatever the American one is, like, obviously, one","start":70.825,"end":79.145,"sentiment":"neutral","sentiment_score":0.0036146145152009053}],"sentiment":"neutral","sentiment_score":0.006090187686769401,"channel":1,"num_words":34,"start":67.64,"end":79.145},{"sentences":[{"text":"Yeah.","start":78.96,"end":79.46,"sentiment":"neutral","sentiment_score":-0.0001989351585507393}],"sentiment":"neutral","sentiment_score":-0.0001989351585507393,"channel":0,"num_words":1,"start":78.96,"end":79.46},{"sentences":[{"text":"or yeah.","start":79.145,"end":80.024994,"sentiment":"neutral","sentiment_score":-0.0049235825426876545},{"text":"It's probably one on four.","start":80.024994,"end":81.405,"sentiment":"neutral","sentiment_score":0.0032953283749520778},{"text":"Yeah.","start":81.545,"end":82.045,"sentiment":"neutral","sentiment_score":0.0658906102180481}],"sentiment":"neutral","sentiment_score":0.009065010875929147,"channel":1,"num_words":8,"start":79.145,"end":82.045},{"sentences":[{"text":"Yeah.","start":82.159996,"end":82.659996,"sentiment":"neutral","sentiment_score":0.15989109873771667},{"text":"Perfect.","start":82.799995,"end":83.299995,"sentiment":"neutral","sentiment_score":0.29597580432891846},{"text":"So what I have done, which is a little bit hard for you, obviously, when you're on the phone, is part of the interview, I have sent you some documents.","start":83.52,"end":91.38,"sentiment":"neutral","sentiment_score":0.02280889277656873},{"text":"I'll go through them briefly with you now.","start":92.685,"end":95.985,"sentiment":"neutral","sentiment_score":0.1172200758010149},{"text":"And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them.","start":96.045,"end":103.325,"sentiment":"neutral","sentiment_score":0.07459442648622724}],"sentiment":"neutral","sentiment_score":0.06107378817761122,"channel":0,"num_words":67,"start":82.159996,"end":103.325},{"sentences":[{"text":"But one of the documents is your performance report with hub twenty four, and that breaks down all your current investment.","start":103.325,"end":112.77,"sentiment":"neutral","sentiment_score":0.06029982031101272}],"sentiment":"neutral","sentiment_score":0.06029982031101272,"channel":0,"num_words":21,"start":103.325,"end":112.77},{"sentences":[{"text":"I'm","start":114.28,"end":114.439995,"sentiment":"neutral","sentiment_score":-0.05829786509275437}],"sentiment":"neutral","sentiment_score":-0.05829786509275437,"channel":1,"num_words":1,"start":114.28,"end":114.439995},{"sentences":[{"text":"Sorry.","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":-0.08069419860839844}],"sentiment":"neutral","sentiment_score":-0.08069419860839844,"channel":0,"num_words":1,"start":114.35,"end":114.85},{"sentences":[{"text":"twenty four.","start":114.439995,"end":115.24,"sentiment":"neutral","sentiment_score":-0.05452604591846466},{"text":"I was looking at that app.","start":115.24,"end":116.2,"sentiment":"neutral","sentiment_score":-0.07975749174753825},{"text":"Oh, is that app or a website?","start":116.2,"end":117.74,"sentiment":"neutral","sentiment_score":-0.05387312120624951}],"sentiment":"neutral","sentiment_score":-0.06431392605106036,"channel":1,"num_words":15,"start":114.439995,"end":117.74},{"sentences":[{"text":"What was that?","start":118.604996,"end":119.325,"sentiment":"neutral","sentiment_score":-0.09951040645440419},{"text":"Sorry?","start":119.325,"end":119.825,"sentiment":"neutral","sentiment_score":-0.07722561061382294}],"sentiment":"neutral","sentiment_score":-0.09393920749425888,"channel":0,"num_words":4,"start":118.604996,"end":119.825},{"sentences":[{"text":"I'm twenty four.","start":120.2,"end":120.84,"sentiment":"neutral","sentiment_score":-0.04620010902484258},{"text":"Is that is that an app or a website or something?","start":120.84,"end":123.02,"sentiment":"neutral","sentiment_score":-0.05144188790158792}],"sentiment":"neutral","sentiment_score":-0.05031864957085678,"channel":1,"num_words":14,"start":120.2,"end":123.02},{"sentences":[{"text":"Either or.","start":124.365,"end":125.005,"sentiment":"neutral","sentiment_score":-0.04755974002182484},{"text":"So Hub twenty four, that's where we have your super funds.","start":125.005,"end":127.825,"sentiment":"neutral","sentiment_score":0.044659384272315285}],"sentiment":"neutral","sentiment_score":0.03047182668860142,"channel":0,"num_words":13,"start":124.365,"end":127.825},{"sentences":[{"text":"Yeah.","start":128.205,"end":128.705,"sentiment":"neutral","sentiment_score":-0.025877265259623528}],"sentiment":"neutral","sentiment_score":-0.025877265259623528,"channel":1,"num_words":1,"start":128.205,"end":128.705},{"sentences":[{"text":"Now the they do have a app as well.","start":128.44499,"end":132.01,"sentiment":"neutral","sentiment_score":0.23677389489279854},{"text":"So you can access it on your on the website, or you can download an app on your smartphone.","start":132.01,"end":138.65,"sentiment":"neutral","sentiment_score":0.1594187691807747},{"text":"Now I use Hub twenty four for my personal super as well, and I just have","start":138.65,"end":142.89,"sentiment":"neutral","sentiment_score":0.14278274355456233}],"sentiment":"neutral","sentiment_score":0.16919194466688417,"channel":0,"num_words":44,"start":128.44499,"end":142.89},{"sentences":[{"text":"No.","start":142.68001,"end":143.18001,"sentiment":"neutral","sentiment_score":0.10438993573188782}],"sentiment":"neutral","sentiment_score":0.10438993573188782,"channel":1,"num_words":1,"start":142.68001,"end":143.18001},{"sentences":[{"text":"the little app on my phone, which is quite convenient.","start":142.89,"end":146.765,"sentiment":"neutral","sentiment_score":0.2643901243805885},{"text":"Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform.","start":146.905,"end":155.085,"sentiment":"neutral","sentiment_score":-0.023852619485786326},{"text":"But once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features.","start":155.545,"end":166.38,"sentiment":"neutral","sentiment_score":0.29739625770144346},{"text":"So","start":166.92,"end":167.4,"sentiment":"neutral","sentiment_score":0.08407298475503922}],"sentiment":"neutral","sentiment_score":0.18334682932935464,"channel":0,"num_words":78,"start":142.89,"end":167.4},{"sentences":[{"text":"Yeah.","start":167.16,"end":167.66,"sentiment":"neutral","sentiment_score":0.12185901403427124}],"sentiment":"neutral","sentiment_score":0.12185901403427124,"channel":1,"num_words":1,"start":167.16,"end":167.66},{"sentences":[{"text":"when you if you do get access to it, there's a little drop down, and it's called reports.","start":167.4,"end":172.86,"sentiment":"neutral","sentiment_score":0.113904922372765},{"text":"And then you can actually choose different time frames.","start":173.38501,"end":175.865,"sentiment":"neutral","sentiment_score":0.10546943876478407},{"text":"So you could do, like, three months or six months or twelve months or whatever time frame you want, and then you can click a lot of different reports to to give you a bit more if you are wanting that as well.","start":175.865,"end":186.185,"sentiment":"neutral","sentiment_score":0.10394792813201283}],"sentiment":"neutral","sentiment_score":0.10670392087527684,"channel":0,"num_words":70,"start":167.4,"end":186.185},{"sentences":[{"text":"Okay.","start":186.095,"end":186.495,"sentiment":"neutral","sentiment_score":0.08541598916053772}],"sentiment":"neutral","sentiment_score":0.08541598916053772,"channel":1,"num_words":1,"start":186.095,"end":186.495},{"sentences":[{"text":"So it's","start":186.185,"end":186.585,"sentiment":"neutral","sentiment_score":0.10921310633420944}],"sentiment":"neutral","sentiment_score":0.10921310633420944,"channel":0,"num_words":2,"start":186.185,"end":186.585},{"sentences":[{"text":"I've got","start":186.495,"end":186.895,"sentiment":"neutral","sentiment_score":0.23862917721271515}],"sentiment":"neutral","sentiment_score":0.23862917721271515,"channel":1,"num_words":2,"start":186.495,"end":186.895},{"sentences":[{"text":"quite handy.","start":186.585,"end":187.325,"sentiment":"neutral","sentiment_score":0.2453976422548294}],"sentiment":"neutral","sentiment_score":0.2453976422548294,"channel":0,"num_words":2,"start":186.585,"end":187.325},{"sentences":[{"text":"I've got I've got the app.","start":186.895,"end":188.495,"sentiment":"neutral","sentiment_score":0.1269941801826159},{"text":"I just don't have my login.","start":188.495,"end":189.715,"sentiment":"neutral","sentiment_score":0.02988111414015293}],"sentiment":"neutral","sentiment_score":0.07843764716138442,"channel":1,"num_words":12,"start":186.895,"end":189.715},{"sentences":[{"text":"I can give you your login ID, but you would have to reset your 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I'll get them through, yeah, email you your client's ID, which you need, and then you can just press, like, reset password or create password if you haven't done one before.","start":210.265,"end":220.06999,"sentiment":"neutral","sentiment_score":0.18155292980372906},{"text":"Now with your portfolio, if I do go back to that, like I said, the report shows you a twelve month period","start":222.20999,"end":229.43,"sentiment":"neutral","sentiment_score":0.12926790660077875}],"sentiment":"neutral","sentiment_score":0.16025162405437893,"channel":0,"num_words":54,"start":210.265,"end":229.43},{"sentences":[{"text":"Yep.","start":229.33,"end":229.83,"sentiment":"neutral","sentiment_score":0.10000880807638168},{"text":"Yep.","start":230.29,"end":230.79,"sentiment":"neutral","sentiment_score":0.08103234320878983}],"sentiment":"neutral","sentiment_score":0.09052057564258575,"channel":1,"num_words":2,"start":229.33,"end":230.79},{"sentences":[{"text":"of your 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if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother.","start":558.56,"end":569.79504,"sentiment":"positive","sentiment_score":0.3512024973120008},{"text":"So I will go and do some research.","start":570.495,"end":572.195,"sentiment":"neutral","sentiment_score":0.17024847492575645},{"text":"Does it all make sense so far, 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They also discuss investments in growth and cybersecurity, as well as potential expansion in Sydney. The agent emphasizes reassessing investments and offers assistance with filing claims and updating personal information. They provide personal information and updates on the customer's financial situation, including contributions and expenses related to a proposal, and explain the process for submitting a will and estate planning. The call ends with a follow-up scheduled for Thursday to discuss potential changes to the customer's investments and contributions."},"intents":{"segments":[{"text":"This is Randa speaking. Hello? Is this Peter? Hello?","start_word":1,"end_word":9,"intents":[{"intent":"Provide information","confidence_score":0.007656222}]},{"text":"Thank you for returning my callback. I had to look in for your annual review. Is now still a good time, or are you busy? No.","start_word":78,"end_word":103,"intents":[{"intent":"Plan review","confidence_score":0.008799403}]},{"text":"I'll go through them briefly with you now. And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them. But one of the documents is your performance report with hub twenty four, and that breaks down all your current investment. I'm Sorry.","start_word":251,"end_word":308,"intents":[{"intent":"Provide documentation","confidence_score":0.0018929685}]},{"text":"Now the they do have a app as well. So you can access it on your on the website, or you can download an app on your smartphone.","start_word":357,"end_word":384,"intents":[{"intent":"Access and download app","confidence_score":0.07368653}]},{"text":"Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform. But once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features. So Yeah.","start_word":411,"end_word":479,"intents":[{"intent":"Navigate app and report on investments and portfolio","confidence_score":0.000007280908}]},{"text":"Now, obviously, the last twelve months, as you would know from, obviously, the news and everything, we have seen quite a bit of fluctuation in the market. Yeah.","start_word":764,"end_word":791,"intents":[{"intent":"Inform about market fluctuations","confidence_score":0.0033079905}]},{"text":"So with your portfolio, like I said, because we do have you in aggressive portfolio, it can see quite a bit of more short term fluctuations. Despite Yeah. all of that, though, it's still done pretty good, given the last twelve months. So in the last Yeah.","start_word":1175,"end_word":1221,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.086480856}]},{"text":"So we wanna make sure we are obviously proactive with your investments, that if it is a need that we foresee, well, one investment might not be the best thing moving forward, then Yeah.","start_word":1475,"end_word":1508,"intents":[{"intent":"Discuss investments","confidence_score":0.21486956}]},{"text":"obviously do more research and see, okay. Well, can we potentially change this to an alternative option for you?","start_word":1511,"end_word":1529,"intents":[{"intent":"Explore alternative options","confidence_score":0.010147143}]},{"text":"if you are happy for me to do so, I would like to look at potentially changing your bend along for you. If I can, yeah, if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother. So I will go and do some research. Does it all make sense so far, Peter? Yeah.","start_word":1532,"end_word":1605,"intents":[{"intent":"Analyze investments","confidence_score":0.0060394593}]},{"text":"So that is an ETF investing in cybersecurity companies. That one did pretty good even though it's seen quite a bit of fluctuations. So the last twelve months, that was up by 31.57%, which was pretty good. You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology. The need for cybersecurity is there. Yeah.","start_word":1621,"end_word":1690,"intents":[{"intent":"Discuss cybersecurity investments","confidence_score":0.33072126}]},{"text":"You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology. The need for cybersecurity is there. Yeah.","start_word":1658,"end_word":1690,"intents":[{"intent":"Explore cyclical investments","confidence_score":0.05256452}]},{"text":"Now you also have one investment which is the s and p five hundred. That one Yeah. is a little bit different to your traditional investment. So your iShares s and p five hundred, for example, it just invests in the 500 largest companies listed in The US. Yeah. The biggest companies have a bigger portion allocated to the investments, and smaller companies have a smaller percentage. Yeah.","start_word":1765,"end_word":1832,"intents":[{"intent":"Discuss investment allocation","confidence_score":0.026417058}]},{"text":"the biggest companies aren't over weighted or the smallest companies smaller. So what can Yeah. happen, obviously, with fluctuations, they they can do really well because you kind of spread things out and you can get more growth if the smaller companies are doing really well. But then at the Yeah.","start_word":1874,"end_word":1924,"intents":[{"intent":"Analyze company performance","confidence_score":0.08072188}]},{"text":"And then property, you have as well, and that's obviously, if you would have seen by the news as well, it's been a bit of fluctuations in the property market.","start_word":2200,"end_word":2229,"intents":[{"intent":"Discuss property market","confidence_score":0.028950684}]},{"text":"I think they're gonna upgrade, like, Suncorp and probably the one at the Gabba, you know, or the GABA, Yes.","start_word":2391,"end_word":2410,"intents":[{"intent":"Consider upgrade options","confidence_score":0.00048405418}]},{"text":"But like I said, it is good to reassess your investments, especially with everything going on in the market and the No. world.","start_word":2474,"end_word":2496,"intents":[{"intent":"Discuss investment reassessment","confidence_score":0.020593163}]},{"text":"Now, obviously, aside from Super, we don't have any insurances for you at the moment. You you are still happy with that. Do you have any questions in regards to insurances? No.","start_word":2655,"end_word":2686,"intents":[{"intent":"Review insurance plans","confidence_score":0.001296936}]},{"text":"Yeah. It stays exactly the same at 1.65. No changes. No lock in contract. So if at any point in time, you are not happy. No lock in contract. But finding this just lets us service and manage your account and everything for you in the meantime.","start_word":2976,"end_word":3022,"intents":[{"intent":"Change information and provide services","confidence_score":1.2041326e-9}]},{"text":"Now occupation wise, still working as a courier, or has anything Yep. changed?","start_word":3244,"end_word":3256,"intents":[{"intent":"Work as a courier","confidence_score":0.007750411}]},{"text":"So what I can do is, well, is I will get the team so when they email you their their ID so you can log in to Hub twenty four, I'll get them to include your contribution information in an email Yeah.","start_word":3506,"end_word":3547,"intents":[{"intent":"Send contributions to hub twenty four","confidence_score":0.0003318952}]},{"text":"Now, obviously, as a self employed, because you will make contributions basically from your bank account, which is after tax contribution. Yep.","start_word":3554,"end_word":3575,"intents":[{"intent":"Provide assistance with self-employment","confidence_score":0.00017784908}]},{"text":"it is that you're wanting to make a little bit of contributions this year, I would suggest doing it next week, Excuse probably also.","start_word":3680,"end_word":3703,"intents":[{"intent":"Schedule contributions","confidence_score":0.0025859682}]},{"text":"Because when you put contributions in, it's going to compound. So I can Yeah.","start_word":3994,"end_word":4007,"intents":[{"intent":"Compound contributions","confidence_score":0.0954952}]},{"text":"Would you like me to, part of the research, put together a strategy of showing you how the $100 per week, like, what the actual, like, making that into a recommendation and showing you the tax savings and everything in regards to the $100 per week? Yeah. Yeah.","start_word":4086,"end_word":4133,"intents":[{"intent":"Recommend investment strategy","confidence_score":0.0010499068}]},{"text":"I will include a $100 there for you per Yeah. week.","start_word":4171,"end_word":4181,"intents":[{"intent":"Include $50 per week","confidence_score":0.00096607365}]},{"text":"I will include a $100 there for you per Yeah. week. Those have to Now be a bit of work. Yeah? yeah. Yeah. I can do that for you. Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you. Yeah.","start_word":4171,"end_word":4232,"intents":[{"intent":"Include monthly accumulation","confidence_score":0.004544357}]},{"text":"I can do that for you. Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you. Yeah.","start_word":4194,"end_word":4232,"intents":[{"intent":"Confirm weekly accumulation","confidence_score":0.0010904208},{"intent":"Clarify monthly accumulation","confidence_score":0.0023874983}]},{"text":"So, obviously, you're buying sometimes when the market's high, sometimes when it's low. So you will kind Yeah.","start_word":4249,"end_word":4266,"intents":[{"intent":"Discuss typical buying habits","confidence_score":0.0000037084346}]},{"text":"So dollar cost averaging is a great way of doing it.","start_word":4301,"end_word":4311,"intents":[{"intent":"Explain dollar averaging","confidence_score":0.07378255}]},{"text":"I do need to just triple check that for you. I have your property at 1.2 mil. Is that still roughly the case? Yeah.","start_word":4327,"end_word":4350,"intents":[{"intent":"Check asset status","confidence_score":0.009938287}]},{"text":"I have your property at 1.2 mil. Is that still roughly the case? Yeah.","start_word":4337,"end_word":4350,"intents":[{"intent":"Update property","confidence_score":0.10900767},{"intent":"Confirm property type","confidence_score":0.000915545}]},{"text":"of our we got a valuation a couple weeks ago, and it Yeah?","start_word":4366,"end_word":4378,"intents":[{"intent":"Update valuation","confidence_score":0.61173856}]},{"text":"So 1.4 mortgage about 70. 700 Seventy thousand. mortgage.","start_word":4392,"end_word":4400,"intents":[{"intent":"Provide mortgage information","confidence_score":0.0016721978}]},{"text":"I was like, oh, that's really good. I'm probably for 1.4 now. I I Perfect. wish it was I wish it was 70. I also have here a motor vehicle ride at about twenty five thousand. Yep. Yep. And then a boat about 5,000. Right. Yep. Perfect. And nothing owing on either of those? Bye. No.","start_word":4422,"end_word":4477,"intents":[{"intent":"Express gratitude","confidence_score":0.0075105224}]},{"text":"I also have here a motor vehicle ride at about twenty five thousand. Yep.","start_word":4445,"end_word":4458,"intents":[{"intent":"Confirm interest in automobile ride","confidence_score":0.000002074018}]},{"text":"Any other assets or any liabilities that we haven't gone over, like personal loans or anything else?","start_word":4478,"end_word":4494,"intents":[{"intent":"Ask about personal loans","confidence_score":0.0055843405}]},{"text":"Any other assets or any liabilities that we haven't gone over, like personal loans or anything else? Bye. Not perfect. Changes in health and lifestyle. Otherwise, I know you said you're obviously exercising, which is fantastic. Any other changes? Like, have you had any health issues or injuries or Not something anything at like all. that? No. Perfect.","start_word":4478,"end_word":4535,"intents":[{"intent":"Inquire about other changes","confidence_score":0.0028040204}]},{"text":"Changes in health and lifestyle. Otherwise, I know you said you're obviously exercising, which is fantastic. Any other changes? Like, have you had any health issues or injuries or Not something anything at like all. that? No. Perfect.","start_word":4498,"end_word":4535,"intents":[{"intent":"Clarify health and lifestyle changes","confidence_score":0.00009466696}]},{"text":"Last thing is estate planning wise. Do you guys have a will in place or power of attorney? Have you got a wedding place? Yep.","start_word":4550,"end_word":4574,"intents":[{"intent":"Inquire about estate planning","confidence_score":0.007421003}]},{"text":"Do you guys have a will in place or power of attorney?","start_word":4556,"end_word":4567,"intents":[{"intent":"Confirm availability of will in place","confidence_score":0.001094346}]},{"text":"So for your superannuation, we don't currently have a valid nomination. So that is someone that you would like to ensure gets your super if something were to happen to you. Do you know who you would like that person to be? And what time?","start_word":4596,"end_word":4640,"intents":[{"intent":"Suggest future contact for superannuation","confidence_score":0.0000066016373},{"intent":"Suggest nomination process","confidence_score":0.0003816036}]},{"text":"Do you have any time Wednesday, Thursday next week at all?","start_word":4920,"end_word":4930,"intents":[{"intent":"Schedule call","confidence_score":0.1253417}]},{"text":"It was Veronica, wasn't it? Veronica.","start_word":5013,"end_word":5018,"intents":[{"intent":"Verify identity","confidence_score":0.066711016}]},{"text":"I'll check my thing. Yeah.","start_word":5045,"end_word":5049,"intents":[{"intent":"Check status","confidence_score":0.12579076}]},{"text":"Wonderful day. You too. Bye. Speak soon. Bye. Bye.","start_word":5070,"end_word":5078,"intents":[{"intent":"Wish good day","confidence_score":0.045127366}]}]},"sentiments":{"segments":[{"text":"Hello. This is Randa speaking. Hello? Is this Peter? Hello? Yes. Can you hear me? Yeah. Can you hear me okay? Oh, really? Let me see. I I've turned mine right up. yeah. Mine's on Yeah. yeah. I can hear Yeah. you okay. It kind of drops out a little bit. I have turned one on max now as well. Can you hear it any better? Yeah. I can hear you a bit better. Yeah. Yeah. Okay.","start_word":0,"end_word":76,"sentiment":"neutral","sentiment_score":-0.014622974209487438},{"text":"Perfect. Thank you for returning my callback.","start_word":77,"end_word":83,"sentiment":"positive","sentiment_score":0.6509500741958618},{"text":"I had to look in for your annual review. Is now still a good time, or are you busy? No. I'm driving, but I can listen. Yeah. Okay. No. That works for me. Now before I do jump into the under review, I do like to usually start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just just a bit of a catch up and see where everything's at? Probably just wanna know more. Like, where are you investing in? Are you investing in, like, the ASX 200 still or is that the you know, whatever the American one is, like, obviously, one Yeah. or yeah. It's probably one on four. Yeah. Yeah. Perfect. So what I have done, which is a little bit hard for you, obviously, when you're on the phone, is part of the interview, I have sent you some documents. I'll go through them briefly with you now. And then when you have a moment later, obviously, when it's safe for you to do so and when you're not driving, have a look through them. But one of the documents is your performance report with hub twenty four, and that breaks down all your current investment. I'm Sorry. twenty four. I was looking at that app. Oh, is that app or a website? What was that? Sorry? I'm twenty four. Is that is that an app or a website or something? Either or. So Hub twenty four, that's where we have your super funds. Yeah. Now the they do have a app as well. So you can access it on your on the website, or you can download an app on your smartphone. Now I use Hub twenty four for my personal super as well, and I just have No. the little app on my phone, which is quite convenient. Now sometimes it can be a little bit tricky to navigate if you haven't used the app before because it is quite, like, a sophisticated platform. But once you kind of get a hang on it, it is pretty good because it gives you all the all the breakdown of your investments, how they're performing, how they're doing, but they also have a lot of reporting features. So Yeah. when you if you do get access to it, there's a little drop down, and it's called reports. And then you can actually choose different time frames. So you could do, like, three months or six months or twelve months or whatever time frame you want, and then you can click a lot of different reports to to give you a bit more if you are wanting that as well. Okay. So it's I've got quite handy. I've got I've got the app. I just don't have my login. I can give you your login ID, but you would have to reset your password. Obviously, if you are driving, I can get the team to email that to you after the call if that would be That's more convenient. fine.","start_word":84,"end_word":609,"sentiment":"neutral","sentiment_score":0.08753222295086646},{"text":"Yeah. That's awesome. Yeah. Yeah. Thank Perfect. you.","start_word":610,"end_word":617,"sentiment":"positive","sentiment_score":0.5095320343971252},{"text":"So I'll get them through, yeah, email you your client's ID, which you need, and then you can just press, like, reset password or create password if you haven't done one before. Now with your portfolio, if I do go back to that, like I said, the report shows you a twelve month period Yep. Yep. of your portfolio. And, obviously, are you quite familiar with, like, the markets and everything? Somewhat? Yes. About I'm not I'm not stupid. I do the bunch of news. I listen to Yeah. I listen to podcasts and news Yep. reports, and I take my news from everywhere, from the net, from from local stuff from legacy media from, yeah, everywhere. Okay.","start_word":618,"end_word":735,"sentiment":"neutral","sentiment_score":0.10593933864670284},{"text":"So it sounds like you're pretty pretty fairly across it, which is great.","start_word":736,"end_word":748,"sentiment":"positive","sentiment_score":0.5009897947311401},{"text":"But with the the report, like I said, it shows you a twelve month period. Now, obviously, the last twelve months, as you would know from, obviously, the news and everything, we have seen quite a bit of fluctuation in the market. Yeah. Despite all of that, though, your portfolio as a whole now we are also invested in a aggressive portfolio for you. Do you Yeah. remember what it means to be an aggressive investor at all? Yeah. They're having percentage towards, you know, like, emerging markets and things like that. Yeah. So it's kind of obviously for tailored for investors who are wanting to maximize growth as much as possible. But, obviously, short term, you will see higher fluctuations because the goal is long term that growth. But Yeah. short term, especially when what's that? Sorry? You got you got the time. And so when, obviously, we do see a bit of cyclical trends and market fluctuations, what can happen in the aggressive portfolio is that we see more of those fluctuations because we are heavily invested in your growth investment. So you will see about 95 to a 100% invested in your your growth investment. And having a look at your portfolio, you the minimum in Hub twenty four cash balance is 1.25%, and that is just to cover, you know, fees Yeah. and stuff like that. The rest in your portfolio is investing those growth investments. So you don't really have any defensive investments. Everything is in growth investments, which would Fine. be things like Australian shares, international shares, and property as well, and that will give you the growth long term. Fine. Because you don't obviously have any defensive investment, when there are fluctuations in the market, you don't have anything to kind of stabilize and smooth things out. Now if you do have twelve years till kind of when you wanna access SOFA, that's no concern from a time frame point of view because, Yep. typically, in an aggressive portfolio, ideally, we would like to see about ten years for retirement Yep. to make sure you have enough time for those kind of fluctuations to come back around on the short term. So Fine. time frame wise, it does align with if you are saying around twelve years. As long as Yeah. you are still kind of comfortable with those kind of short term, bigger fluctuations, is that still something you are comfortable with as long as, obviously, long term, you will see that growth? Yeah. Of course. Yep.","start_word":749,"end_word":1173,"sentiment":"neutral","sentiment_score":0.15543515857528237},{"text":"Perfect.","start_word":1174,"end_word":1174,"sentiment":"positive","sentiment_score":0.5346179604530334},{"text":"So with your portfolio, like I said, because we do have you in aggressive portfolio, it can see quite a bit of more short term fluctuations. Despite Yeah.","start_word":1175,"end_word":1202,"sentiment":"neutral","sentiment_score":0.11167776584625244},{"text":"all of that, though, it's still done pretty good, given the last twelve months.","start_word":1203,"end_word":1216,"sentiment":"positive","sentiment_score":0.4405719935894013},{"text":"So in the last Yeah.","start_word":1217,"end_word":1221,"sentiment":"neutral","sentiment_score":0.32040292024612427},{"text":"twelve months, this is first as a whole, after fees after all fees have been deducted from your account, your portfolio has still gone up by 7.48%, which is pretty good given the the market in the last twelve months, and that we do have you in an aggressive portfolio.","start_word":1222,"end_word":1271,"sentiment":"positive","sentiment_score":0.46300941705703735},{"text":"How much is in that now? So your current balance is 297,371 and 37<unk>.","start_word":1272,"end_word":1287,"sentiment":"neutral","sentiment_score":0.12775439023971558},{"text":"Cool.","start_word":1287,"end_word":1288,"sentiment":"positive","sentiment_score":0.3916695713996887},{"text":"Yep. It's also on the document as well if you do wanna have a look at it. Now Yep. when you do break down your individual investments, you will see a bit of a mix. So you have one managed fund in your portfolio, and that is your Benelon Australian equity. So that one invests in Australian equity. And how that one is a little bit different to your other ETFs is that they are actually buying and selling different investments in order to try to outperform the market. Now Benelung had done really well up to quite recently, but more shorter term, they've been a little bit slower in making their investment decisions. They were also invested in the corporate travel group, which you may have heard of. They had a bit of issues with their reporting anyway, so there was a bit of it had to be suspended. So it did also cause a bit of fluctuation through your Benelung investment. So the investment committee would do research on your investments all the time because at the same time, obviously, the markets are always changing. So we wanna make sure we are obviously proactive with your investments, that if it is a need that we foresee, well, one investment might not be the best thing moving forward, then Yeah. we wanna Yeah. obviously do more research and see, okay. Well, can we potentially change this to an alternative option for you? So Okay. if you are happy for me to do so, I would like to look at potentially changing your bend along for you.","start_word":1288,"end_word":1553,"sentiment":"neutral","sentiment_score":0.002227856854635074},{"text":"If I can, yeah, if I can kinda find something more suitable that will kind of still put you in a good position, still maximize that growth for you, but give a little bit smoother.","start_word":1554,"end_word":1588,"sentiment":"positive","sentiment_score":0.3441813290119171},{"text":"So I will go and do some research. Does it all make sense so far, Peter? Yeah. Yeah. Yeah. I'm fine. Yeah.","start_word":1589,"end_word":1610,"sentiment":"neutral","sentiment_score":0.1614723801612854},{"text":"Perfect.","start_word":1611,"end_word":1611,"sentiment":"positive","sentiment_score":0.4839235544204712},{"text":"Now, otherwise, in your investments, you do have cybersecurity. So that is an ETF investing in cybersecurity companies. That one did pretty good even though it's seen quite a bit of fluctuations.","start_word":1612,"end_word":1643,"sentiment":"neutral","sentiment_score":0.20205730199813843},{"text":"So the last twelve months, that was up by 31.57%, which was pretty good.","start_word":1644,"end_word":1657,"sentiment":"positive","sentiment_score":0.4215565621852875},{"text":"You it is one of those cyclical investments, so we do still believe that it is it's not really going anywhere with, you know, AI technology. The need for cybersecurity is there. Yeah. So we don't really foresee it not being a good investment, and Alright. it is Cool. something we are researching, but it is one that fluctuates. So it's more of your satellite investment. So we do see a little bit smaller portion allocated to it because it can fluctuate, but it's still Yeah. very much one of those investments that do have good growth opportunities because of, obviously, the cybersecurity space. That's right. Yeah. Now you also have one investment which is the s and p five hundred. That one Yeah. is a little bit different to your traditional investment. So your iShares s and p five hundred, for example, it just invests in the 500 largest companies listed in The US. Yeah. The biggest companies have a bigger portion allocated to the investments, and smaller companies have a smaller percentage. Yeah. I That's understand. your I did get it. not. Yeah. Now the one that we currently have in your portfolio, it's called an equal weight. So what that means is that all 500 companies literally have an equal split. So Yep. the biggest companies aren't over weighted or the smallest companies smaller. So what can Yeah. happen, obviously, with fluctuations, they they can do really well because you kind of spread things out and you can get more growth if the smaller companies are doing really well. But then at the Yeah. same time, when the really big companies are doing fantastic, you're not Yeah. Yeah. 100, your technology companies and everything. That one had done really well as well, eighteen point eight five.","start_word":1658,"end_word":1956,"sentiment":"neutral","sentiment_score":0.07329707729776568},{"text":"Still a very good investment.","start_word":1957,"end_word":1961,"sentiment":"positive","sentiment_score":0.7230546474456787},{"text":"You also Yep. have another one, which is your beta shares, Raffi Australia two hundred. That Yeah. one has only done about 0.75%. And that is also because the Australian market hasn't done as well as The US in the last twelve months as well overall. And Yep. the beta shares roughly Australia, it does invest in Australian companies, but it is instead of kind of your traditional ones that, again, are weighted by Yep. size of the company, this one kind of invests in the fundamental measures of different way of choosing companies.","start_word":1962,"end_word":2055,"sentiment":"neutral","sentiment_score":0.06848405301570892},{"text":"Still a good investment, though.","start_word":2056,"end_word":2060,"sentiment":"positive","sentiment_score":0.45173102617263794},{"text":"Yep. And then you also have Battery x Tech and Lithium. That one has been a bit of up and down the last twelve months. Overall, right now, it's up at 18.99, which is pretty good because it has been quite a bit of fluctuations. More recently, took a pretty big jump, and, obviously, everything with fuel prices and the war and everything, the need Yeah. for, obviously, electric vehicles took a bit of a bit of a jump. So that one has seen a a bit of a increase. We have one as well. So your more kind of emerging markets like you touched on, which is a VanEck China new investment. That Yeah. one has underperformed at least a bit recently, which Yep. can happen with your emerging markets, and that's Yep. down by about 2.51%. And then property, you have as well, and that's obviously, if you would have seen by the news as well, it's been a bit of fluctuations in the property market. Well, depending where That you one are. correct. Some Yeah. places, amazing, and, obviously, kind of a little bit of up and down. But I see that Brisbane, one is and I'm going too far down because the Olympics will probably hold that yes. up a bit. Yes. And that's probably, hopefully, flowing onto the Gold Coast where we are at as well Well, I with probably will that. as well because, Yeah. yeah, they're gonna put some games some part of the games down there, I'm pretty sure. Yeah. I read that too. I think they're building they're building quite a bit in in Brisbane or looking to buy quite a bit in build in Brisbane, which will Well, I've already cut Victoria Park that started the other day. oh, really? They're building a big stadium at Victoria Park. Yeah. Oh, wow. Is that the only big one? Do you know? Or I'm pretty sure. And they're gonna that's why Yeah. I think they're gonna upgrade, like, Suncorp and probably the one at the Gabba, you know, or the GABA, Yes. it's cool. Yeah. And Yeah. I think that we're looking at maybe doing something with QE two as well, but I'm not sure. Okay. Yeah. They'll probably have to do a little bit of upgrades with everything, but that that will be good, especially for for Yeah. property and and stuff and rentals as well.","start_word":2061,"end_word":2465,"sentiment":"neutral","sentiment_score":0.05874266199491642},{"text":"So, yeah, overall, it's still done pretty good.","start_word":2466,"end_word":2473,"sentiment":"positive","sentiment_score":0.39169707894325256},{"text":"But like I said, it is good to reassess your investments, especially with everything going on in the market and the No. world. So if you're happy for me to do so, I will go and do a bit more kind of in-depth research on your investments, especially that Benelon. And if I do find some other options for you, I will put a proposal together, go Yep. through Yep. it with you, and then you can let me know what you think.","start_word":2474,"end_word":2556,"sentiment":"neutral","sentiment_score":0.19312160776322143},{"text":"Sounds like a plan. Yep. Perfect.","start_word":2557,"end_word":2562,"sentiment":"positive","sentiment_score":0.4752179980278015},{"text":"Now, otherwise, I will try to make it quick for you if you have to go. Yeah. That I'm was just basically I'm just your at a I'm just at what a was drop that? off Sorry. point. That's all. Okay. Oh, yeah. Can you talk at the same time or Yeah. not Yeah. really? Yeah. The Yeah. transformer Okay. Perfect. will hop in and pop it. It's closed on this issue. No. That's all good. As long as you can hear me, Yeah. I that's can hear all you. good. Yeah. Now, obviously, aside from Super, we don't have any insurances for you at the moment. You you are still happy with that. Do you have any questions in regards to insurances? No. I'm probably with that in mind. I just gotta Yep. I've gotta get like, that one wants to insure me because of my blood pressure too Yeah. Yeah. I did read that. high. Sorry. If if you do Once I get that once yep. I get that down, I've been doing a bit of exercise stuff. So I've been a That's doctor for a while, good. so I got back and get it checked, and I'll let Yeah. you know. Yeah. If it does come down and a bit more kind of that that stable range, let me know, and then we can always have a look at your insurances again for you at any point in time. It doesn't have to be a review time. You can just give me a call, if you wanna revisit. Yep. Anytime, or we can have a look at it. Now in the documents as well, you will see, a couple of other ones. You will see a financial services guide. You would have seen this one before, so I'll kind of skip over it. Just the updated version. One of those compliance documents that gives you all the important information in regards to us. All the team No. director's advices are in there. If you do wanna put a face to the voice, I'm also there on page nine, I believe. And there are two documents that we'll need signing if you're happy for that when you have a moment. Yep. One is an ongoing advice fee, and that is Yeah. just to say Yep.","start_word":2563,"end_word":2949,"sentiment":"neutral","sentiment_score":0.06455834879893665},{"text":"that you are happy to stay on with the client, same as your last under review.","start_word":2950,"end_word":2965,"sentiment":"positive","sentiment_score":0.4834681153297424},{"text":"There's no changes, though, in regards to the fee structure. Yeah. It stays exactly the same at 1.65. No changes. No lock in contract. So if at any point in time, you are not happy. No lock in contract. But finding this just lets us service and manage your account and everything for you in the meantime. And you sent that email, the p dash l email? Correct. Yes. Yeah. Sorry. Cool. That should be have a look through spam as well because we have changed the software recently. No. So it could it could be there as well. Now the last thing I'll do quickly run through that with you, Peter, and I'll tryna make it really quick. It is just an updated fact fine, and that's just Yep. because needing to see if we need to make any further changes to your advice. But then, also, because I am putting a proposal together for your investments, I wanna make sure I have all the correct information. So I'll try to make it quick for you. Now personal information, I have you down here as a marriage with two financial dependents. Is that Yep. correct? Yep. So correct. Yep. Yep. Perfect. I do have here your, wife nominated as a Next Stop Kin phone number ending in 011. That's also correct? Who who? Sorry? Lisa? And find number ending in 011. Yes. No. It's on the right that's alright. That's not right? Okay. I will update that. Do you know what it is? Yeah. 0487 O four eight seven. Yep. 635555. Six three, 5555.","start_word":2966,"end_word":3230,"sentiment":"neutral","sentiment_score":0.037454038858413696},{"text":"Beautiful.","start_word":3231,"end_word":3231,"sentiment":"positive","sentiment_score":0.4363462328910827},{"text":"I will update that, make sure we have the right one. Now occupation wise, still working as a courier, or has anything Yep. changed? Yep.","start_word":3232,"end_word":3256,"sentiment":"neutral","sentiment_score":0.09503174282610416},{"text":"One time, Perfect. sir.","start_word":3257,"end_word":3260,"sentiment":"positive","sentiment_score":0.4022189974784851},{"text":"And are you still working as a sole trader? Yep. Yep.","start_word":3261,"end_word":3271,"sentiment":"neutral","sentiment_score":0.09940528124570848},{"text":"Perfect.","start_word":3272,"end_word":3272,"sentiment":"positive","sentiment_score":0.5620492696762085},{"text":"Now last time, I think you spoke to my colleague, Dana, you'd kind of been in the role for about six months or so, so you weren't overly sure of your income at the time. Yeah. I know We it's had not had contributing. Yeah. yeah. And income wise, Yep. do you have do you pay yourself about 80,000? Yeah. Got that. Yeah. About that. K. And you Yeah. said as well with contribution. So do you because, obviously, as a sole trader, it's up to you to make those contributions. Yeah. Yeah. Do I'm a you try to do that. yeah. Is that something you are wanting to do as well? Yeah. I'll have to stop doing that. Can you know I do that manually or does it have to be done automatically? You can do it either way. So the as a sole trader, you can do it you can have it set it up automatically so it comes out of your account, or you can and you can do that regularly, or you can Yeah. have it like, do it manually whenever you have, like, a little bit of spare cash or anything you wanna put in. Yeah. I wanna do that manually. Yeah. Yeah. Do you have any amount do you think you wanna do? I'm gonna just pick my walk without that, actually. Yeah. No. That's Yeah. okay. So what I can do is, well, is I will get the team so when they email you their their ID so you can log in to Hub twenty four, I'll get them to include your contribution information in an email Yeah. so that you have Yep. it. Now, obviously, as a self employed, because you will make contributions basically from your bank account, which is after tax contribution. Yep. They would go in through super as after tax. But then what we can do is we can help before the end of the financial year each year for you is that we can help you do a notice of intensive claim, it's called. Basically, what it means is that we'd we can change the contributions to pretax and Yep. save you a little bit in in tax by doing so.","start_word":3273,"end_word":3646,"sentiment":"neutral","sentiment_score":0.04993996131707003},{"text":"That'd So be awesome. if it yeah.","start_word":3647,"end_word":3653,"sentiment":"positive","sentiment_score":0.5799018144607544},{"text":"So if it is something you wanted to do, just be mindful because the end of the financial year is coming up soon. So if Yeah. it is that you're wanting to make a little bit of contributions this year, I would suggest doing it next week, Excuse probably also. the exact especially before before Thursday, ideally. You can respond to the email that my colleague, Whitlam, will send you with the contribution details. Yep. Let us know if you've done it and that you want to claim the the notice of intent, and then he can Yeah. assist you with the forms of doing so.","start_word":3654,"end_word":3759,"sentiment":"neutral","sentiment_score":0.14582329988479614},{"text":"Cool.","start_word":3760,"end_word":3760,"sentiment":"positive","sentiment_score":0.35320165753364563},{"text":"With the contributions, just something to be mindful of, obviously, is that once you put it into super, it is locked in until you meet a condition of release. Yep. So for example, deciding to retire, stop working at 60. Otherwise, Yeah. it will be locked in for you.","start_word":3761,"end_word":3809,"sentiment":"neutral","sentiment_score":0.10877279937267303},{"text":"The good Cool. thing is that it will continue to grow your superannuation, and it is a tax effective way of doing it.","start_word":3810,"end_word":3832,"sentiment":"positive","sentiment_score":0.6680617928504944},{"text":"Yep. There is also a contribution cap. So pretax contribution, there is a cap of 30,000 each financial year. Are you Yeah. I thinking don't think of I'll be doing doing that much. okay.","start_word":3833,"end_word":3866,"sentiment":"neutral","sentiment_score":0.06539516150951385},{"text":"Perfect.","start_word":3867,"end_word":3867,"sentiment":"positive","sentiment_score":0.5454415082931519},{"text":"It's just something I do wanna flag. If there ever is a situation where you go, oh, I've come in through a bit of money or I have a bit of extra, can I put it in? How much can I put it in? If you're wanting to do a little bit larger amount, just give me a call because I would just like to run that number for you. Oh, hold on. Take a moment. Hold on. Yeah. Hold on Sure. one second. How are you doing? I just dropped off for a pub set for you from Ashley? Yeah. No.","start_word":3868,"end_word":3969,"sentiment":"neutral","sentiment_score":0.09671964832380706},{"text":"That's all good.","start_word":3970,"end_word":3972,"sentiment":"positive","sentiment_score":0.5002377033233643},{"text":"Now with the investment, so when I put together the proposal for you, that Yeah. obviously changes depending on your contributions. Because when you put contributions in, it's going to compound. So I can Yeah. do two options for you. I can do one with no contributions to show you. And then do you have a rough like, if you were to just give me a rough weekly, A how $100 much do you a think week. 100 calls? Yeah. And then I'll and then I'll show you what $100 per week would look like Yep. just so that you can then kind of see the compounding effect of that as well. Sweet. Would you like me to, part of the research, put together a strategy of showing you how the $100 per week, like, what the actual, like, making that into a recommendation and showing you the tax savings and everything in regards to the $100 per week? Yeah. Yeah. Yeah? Yep. Alright. Yeah.","start_word":3973,"end_word":4137,"sentiment":"neutral","sentiment_score":0.10645143687725069},{"text":"Perfect.","start_word":4138,"end_word":4138,"sentiment":"positive","sentiment_score":0.3784419894218445},{"text":"Yeah. I will Well, actually, add that. Yeah. if you just wanna do the one just do the one with a $100, and I'll make sure that happens. Yeah? Yep. Okay. Perfect. I will include a $100 there for you per Yeah. week. Those have to Now be a bit of work. Yeah? yeah. Yeah. I can do that for you. Now you can obviously decide if you wanna do it on a weekly or whether you just accumulate and do do it per month or every quarter or whatever works for you. Yeah. Yeah. Probably the work. It is good to do it weekly because it's dollar cost averaging. So, obviously, you're buying sometimes when the market's high, sometimes when it's low. So you will kind Yeah. of average things out. Whereas if you do a lump sum, if at the time the market's really high, then, obviously, you're not gonna get as much. Or if you're really lucky, it's down.","start_word":4139,"end_word":4300,"sentiment":"neutral","sentiment_score":0.1015857309103012},{"text":"So dollar cost averaging is a great way of doing it.","start_word":4301,"end_word":4311,"sentiment":"positive","sentiment_score":0.43091362714767456},{"text":"So I Yep. will factor that in. Now the last thing, otherwise, is just assets. I do need to just triple check that for you. I have your property at 1.2 mil. Is that still roughly the case? Yeah. It's probably still yeah. About that Some and about oh, we 70 got some thousand. of our we got a valuation a couple weeks ago, and it Yeah? got record to be 1.4. 1.4? Okay. I can update that.","start_word":4312,"end_word":4389,"sentiment":"neutral","sentiment_score":0.01934299059212208},{"text":"That's great.","start_word":4390,"end_word":4391,"sentiment":"positive","sentiment_score":0.59297114610672},{"text":"So 1.4 mortgage about 70. 700 Seventy thousand. mortgage. Yeah? Or is there is there a zero missing here? Is it 700? Yeah. It should be 7 Okay. 100.","start_word":4392,"end_word":4420,"sentiment":"neutral","sentiment_score":0.01814967766404152},{"text":"Perfect. I was like, oh, that's really good.","start_word":4421,"end_word":4428,"sentiment":"positive","sentiment_score":0.5646535158157349},{"text":"I'm probably for 1.4 now. I I Perfect. wish it was I wish it was 70. I also have here a motor vehicle ride at about twenty five thousand. Yep. Yep. And then a boat about 5,000. Right. Yep. Perfect. And nothing owing on either of those? Bye. No. Any other assets or any liabilities that we haven't gone over, like personal loans or anything else? Bye. Not perfect. Changes in health and lifestyle. Otherwise, I know you said you're obviously exercising, which is fantastic. Any other changes? Like, have you had any health issues or injuries or Not something anything at like all. that? No. Perfect. Still Oh, a good. nonsmoker as well? Yeah. No parking on drinker. Yep.","start_word":4429,"end_word":4548,"sentiment":"neutral","sentiment_score":0.07617262005805969},{"text":"Beautiful.","start_word":4549,"end_word":4549,"sentiment":"positive","sentiment_score":0.3396328091621399},{"text":"Last thing is estate planning wise. Do you guys have a will in place or power of attorney? Have you got a wedding place? Yep. Do you know? Alright. Okay. We're still gonna Nope. do that. No. That's okay. Now I do have here as well. So for your superannuation, we don't currently have a valid nomination. So that is someone that you would like to ensure gets your super if something were to happen to you. Do you know who you would like that person to be? And what time? If something so for your superannuation, because your super does not form part of your estate, we can do a separate nomination, just a quick form. It does have to be web signed, though, to make sure that your superannuation goes through the person that you would like it to go through if something ever were to happen to you. So I thought if we something thought it was nominated were to happen. at least after that. Wasn't least for that? No. We have her as next of kin, but not on the actual legal forms. Would you like it to be her? Yeah. Absolutely. Yep. Okay. So because it is a legal nomination, I have to get the the team to send you the forms because they have to be wet signed and witnessed. Do Okay. you That's have access to a printer, or do you prefer post? cool. Post and all by post. Post? Okay. Perfect. I will get the team to post that out to you. Keep an eye on the post. Complete them when you have a moment. Send them back, and we can make sure that's uploaded with Hub twenty four for you.","start_word":4550,"end_word":4838,"sentiment":"neutral","sentiment_score":0.028875603840064424},{"text":"Cool. Perfect.","start_word":4839,"end_word":4840,"sentiment":"positive","sentiment_score":0.3874807357788086},{"text":"Now is there anything else you would like me to go over with? Any other goals or anything that you need assistance with?","start_word":4841,"end_word":4863,"sentiment":"neutral","sentiment_score":0.16249316930770874},{"text":"You're doing good. That's awesome.","start_word":4864,"end_word":4868,"sentiment":"positive","sentiment_score":0.6265250444412231},{"text":"No?","start_word":4869,"end_word":4869,"sentiment":"neutral","sentiment_score":0.26235082745552063},{"text":"Perfect.","start_word":4870,"end_word":4870,"sentiment":"positive","sentiment_score":0.4301168918609619},{"text":"Hopefully, it wasn't too quick for you. I'll try to make it as time efficient for you as I can. Now while I do have you on the phone, it will take me about a week or so to put together this research for your investments and the contribution. Do you have any time Wednesday, Thursday next week at all? Oh, it does. Hi afternoon. Thursday afternoon? Alright. Let me have a look. Would 03:00 work? Sounds good. Yep. Alright. I'll lock that in on Thursday, June 18 at 3PM. I'll give you a call and run through any potential changes with your investments, and then we can take it from there.","start_word":4871,"end_word":4982,"sentiment":"neutral","sentiment_score":0.12195178121328354},{"text":"Cool. Thanks, Veronica. Beautiful. No worries at all. Thank you so much, Peter, and I look forward to speaking with It you was next Thursday.","start_word":4983,"end_word":5007,"sentiment":"positive","sentiment_score":0.560955286026001},{"text":"Veronica. It was Yes? Veronica. It was Veronica, wasn't it? Veronica. Yes. Correct. Yeah.","start_word":5008,"end_word":5021,"sentiment":"neutral","sentiment_score":0.04289507174066135},{"text":"Sweet.","start_word":5022,"end_word":5022,"sentiment":"positive","sentiment_score":0.3659032881259918},{"text":"Yep. Keep Yeah.","start_word":5023,"end_word":5025,"sentiment":"neutral","sentiment_score":0.2823752164840698},{"text":"a look Cool.","start_word":5026,"end_word":5028,"sentiment":"positive","sentiment_score":0.41326114535331726},{"text":"at on the inbox as well when you have a moment just for those Yeah. documents. I'll check my thing. Yeah. Yep.","start_word":5029,"end_word":5050,"sentiment":"neutral","sentiment_score":0.18032518029212952},{"text":"Beautiful. Well, thank Cool. you so much, Peter, and I look forward to speaking with you next week. Yeah. Wonderful day. You too.","start_word":5051,"end_word":5073,"sentiment":"positive","sentiment_score":0.7238456606864929},{"text":"Bye. Speak soon. Bye. Bye.","start_word":5074,"end_word":5078,"sentiment":"neutral","sentiment_score":0.21056044101715088}],"average":{"sentiment":"neutral","sentiment_score":0.10574525140202123}}}}