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I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything. Am I on the track with that at the moment? What's been going on? Yeah. Yeah. Mhmm. Mhmm. Yes and no. Realistically, what's happening in the market generally, it feels like it's affecting your Hub twenty four super a lot more than your Australian than your AARP fund because you have more money sitting in this fund, and there's no contributions going into hub twenty four at the moment. Because your contributions are going into ART, they're being bought into those investments. It's been dollar cost averaged in on a regular basis, which means your ART fund is getting more of an advantage of that. And because your balance is lower over there, you're not feeling the ups and downs as drastically as what you are over this side of things. Not having contributions there means you're only sort of waiting to see what the market does in portfolio, and you have a higher balance here in Hub twenty four. So you are gonna feel those ups and downs a lot more drastically. We have been doing the research to get the advice updated for you, but it's still gonna be the same effect. If we're not able to put money into Hub twenty four and we have to rely on transferring funds out of ART on, you know, a regular basis or once a year. It's still gonna be the same thing. You are still gonna feel the effect in Hub twenty four a lot greater than any other fund at the moment. But if you were to move everything back to ARC, which you absolutely can if you want to, there's nothing wrong with that. If you don't feel, you know, happy with where you are, you you're not held here in any way, shape, or form. The same thing, you are gonna feel those ups and downs within that fund as well. It's it's the difference of the contributions going in there, but it's gotta be your comfort level as well. Okay? Yeah. In the investment portfolio is gonna do so much. Yeah. Yeah. Yeah. No. I understand that. Yeah. No. That's okay. Yeah. Yeah. Yeah. Of course. Yeah. And and it does over time, but a portfolio can only do so much. If the market as a whole is moving down and funds are being sold out, a lot of what you see in the market at the moment is people being nervous, and it's not institutional investors buying and selling a lot of things. You know, in institutional investors are staying invested and putting more money into the dips. They know how to buy in this quality investments. But what it is is retail investors making decisions on being nervous about the oil prices, about what's happening with fuel, about the war, about high inflation still happening, the interest rates increasing because the job market is still really good. So it's it's people, mom and dad investors, and retail investors that are making these emotional decisions to sell out of the market because they're nervous of what's happening, and that's causing an onflow and an onflow effect of everything else. At the same time, as I said, you're not held here. If you wanna go back to ART and have your money there, it's absolutely fine. You just need to give them a call, and they can organize the they can organize the rollout. They'll request it from Hub and roll the funds over. It does take time to sell out of all the investments. So, I mean, we can get things done as quickly as possible, but it does take time to sell all the investments down and have the rollover completed. So if it's something you're wanting to do, doing it sooner rather than later is really important to do. One the but as I said, investment portfolios can only work as hard as the market is, and then we always wanna make contributions into investments, whether it's in super or in your own name. Contributions make a difference because your dollar cost averaging and adding money into those investment markets, which does help to for the compounding effect. So investments will never work a 100% on their own. They always require some sort of assistance, whether it be putting smaller amounts of money in on a regular basis or a bit of money over the course of the year as well. And that's how the compounding effect works. Otherwise, you're just relying on income that's being produced out and reinvested in. Income tends to be a lot lower than growth does because growth is where you see a lot more higher risk investments as in things like international shares, Australian shares. Gold is a really good growth investment but doesn't produce any income. You're sort of looking at the growth aspect only. And when markets have a pullback like what they're seeing at the moment, having a bigger balance has a greater effect. If you think about someone with $50,000, a 5% return is much smaller than someone with a $500,000 balance. So you are gonna feel that more within hub twenty four than you are in ART. Combining them would be the better option to do, but we had to keep them separate because you wanted to keep your insurances within the ART fund there. So I think moving forward, it's just about your comfort level and what you're comfortable with and what you're gonna be comfortable with down the track because you are closer to it. I would be very mindful of maybe mentioning that if you go back to ART, which is fine, maybe reevaluate the investments that are in there because you were in more of a high growth investment in there, and moving everything back into one place with a higher balance, you're fluctuations. So maybe just reevaluate the level of risk you're taking within that fund there down the track. Okay? Yeah. Does that help a little bit? Mhmm. Well, with I in the email I sent you yesterday, it looks like you've seen it. Did you read through that email at all? No? I maybe it was money that had a look at it. I sent it through to you yesterday. It looks like it has been viewed. But in the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5¢. So that's the estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance. Yeah. The balance in the fund at the moment, I've got that here in front of me for you. It is currently 401,034. So this yeah. And look look, this is just a pullback. You haven't lost any of that money because you haven't sold anything. The rolling back means you will be cementing the losses. There will be the CDT effect, but it's gotta be your comfort level at the same time. I can't tell you what to do. That, unfortunately, has to be a decision that you're comfortable making. So, yeah, just think about what you wanna do. If you are wanting to, you know, roll back, just call ART, get them to submit the rollover request. If you need anything from me to do that, absolutely fine. Let me know. I'll certainly give you a hand. I am away next week. But if you can let me know kinda today or tomorrow if there's anything that you need to help you with that, that's absolutely fine. I know this is something that's been on your mind for the past couple of months, and you're kind kind of been working at what to do moving forward. So I just wanted to have this conversation with you and be honest with you as well because I don't want you to be not comfortable with the decision that you've got. So if you're not happy, you are welcome to roll back. That's not an issue. Okay? Yeah. The markets have have had a really volatile time, and they are going to. And it's moving forward, there is gonna be a lot more volatility. There are different things that I look at to show what the volatility is. One is the VIX index if you've ever looked at that, but that shows you, essentially attracts the volatility in the market. And when it's up over 20%, you can kind of expect over the next thirty days that we're gonna see quite heavy market volatility. When the VIX index is under 20%, then you can kind of expect more of a steady market. But with the balance you have plus being in more of a high growth environment, you are taking more risk. You've got a higher balance, so you are gonna feel those market fluctuations. Combining that with not making any additional contributions into hub twenty four means that you are gonna feel that more drastically, and that's what's making you very nervous. So we either have to look at reducing the risk level, making more contributions, or putting you back into something that's gonna keep your comfort level there. But moving back into ART, if you stay in that high growth environment with the balance, even with the contributions going in, with the kind of volatility we are seeing at the moment, you will still feel it. So I wanna be really honest with you. You will still notice those ups and downs because you have everything in that one place. It'll be a higher balance. So it doesn't matter where your money is located. Investing it is always gonna come with risk, and you are gonna feel those ups and downs as your balance increases. Okay? You could be. I can't really say for sure because the markets if you left everything in ART, the with the same sort of volatility we have or haven't seen, I really can't predict where you would have actually been, whether you would be in front or not. We can we're kinda using past status to sort of assume. But, yeah, I think I think it's just better to sort of work out where you're comfortable with what you're after and, you know, how you want to proceed moving forward, essentially. Yeah. No. Well, the the other thing is when you're in your time and unless and if you're gonna take all of your money out all at once, then it's more of a concern. But even in retirement, you still have longevity to sort of consider. So you're gonna be taking a smaller income out on a regular basis, which means the rest of the money stays invested. In retirement, we wouldn't have you in a high growth portfolio. I have people much more conservative in retirement. They're getting less of a return, but they're also got all their investments in much much more of a safer investment, a lower risk investment area. They're looking at cash, bonds, and fixed interest. They're not in this high growth environment. So, I definitely would be more inclined to maybe move you out of that high growth environment. I know you want the the markets to work. You want the investments to grow and want the best return you can get, but the level of nervousness that I kind of am getting shows that maybe you're probably not best to be in that high growth environment. Maybe you should pull back the risk level a little bit, understand your returns are a bit lower by just sort of taking more of a conservative approach to things. Does that make sense? Yeah. Yeah. Well, these investments yeah. Well, these investments that you're invested in have withstood market volatility. They've gone through the GFC. They've gone through COVID times, and they've come out and recovered. So, yes, they've seen 20 or 60% dips in the market, but they have come out, I'm sorry, and recovered and grown from there. So that's the other reason with the investors that we put you in. These things have withstood the test of time and have withstood this volatility, but it also just comes down to are you comfortable with the volatility? Are you able to stand that volatility? Do you have the tolerance for that? So, yeah, that's essentially where we're at. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Absolutely. Yeah. No. That's fine. That's not a problem at all. It it sounds to me like you've kind of made your mind up. You're sort of wanting to move back to ART at this point. Am I on the right track with where things are at? No. Yeah. Yeah. Yeah. Yeah. Well, I moving forward. Yeah. Well, look, I've yeah. Over the whole, your portfolio has done really well. In the email, if you sort of have a look, over the past two years, you've had a net return of over 13.4%. So that's actually pretty good. You have gone you are up from where you were when you came on board, which is important to kind of note. However, with the volatility at the moment, it's affecting all the industries, all the classes, all everything. So there's really kind of no getting around what's happening at the moment. And even if we are just buying and selling, we have to be careful. Whilst there may be investments that are performing better out there at the moment, if we just sell what we have now and buy into that for the short term, we're essentially day trading a super, which is dangerous because we're not able no one can tell where the top or the bottom of the market is. No one knows what's going to happen, And super is supposed to be a long term investment. We're sitting here. We're investing in quality investments that have seen the ups and downs of volatility, have come back through those times and provide a greater growth because of it. If we see you know, if something happens and we see one investment might be down this week by that 10% and we sell out of that, you're cementing that loss. You have no way of making that back. Whereas if we're down at the moment, we haven't sold any of the investment. Therefore, the investment has a chance to come back and recover. With the advice you and I discussed last time, we are looking to get rid of Benelon because Benelon hasn't been performing very well. My team have been doing the research to work out what we need to do. The last of the part was the admins have been trying to get an updated ARC statement from you, and they haven't been able to get a hold of you to get that. Have you been able to obtain the statement there? Because we need a regular statement to show the updated balance that we're working on factual information for the updated device, and that's kind of where the holdup is at the moment. Yep. Beautiful. If you can, we can update the advice, and I can go through and show you what we're recommending to alter to change the so to change the portfolio. But, again, it's just just an updated balance. If you can log in to the portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you. And then you get to decide whether you take that or not, whether you stay on board, or whether you wanna go back to ART. Okay? All good. That's okay. With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment. Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat? Yep. Yep. You can do that if you want to. Essentially, what happens is when you request the rollover from ART, they'll request from Hub. Hub will sell everything down to cash or make us sell everything down to cash. It will all roll back into ART. You just have to tell ART what you want to do. If you want them to hold that in cash, they will hold it in cash. But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive. Yeah. Okay. All good. Yeah. If you can email me the statement, that'd be fabulous. From this point in time, I'll can I'll keep working on the advice for you, and we'll book it in for the next two weeks to have it presented. Did you want to book in a time now with you to go through it in two weeks? Yeah. I've got the Thursday, April 16 available at about 09:00 Queensland, Oh, it's 09:00 everyone's time then. 09:00. Would that be okay? Yeah. Beautiful. If anything changes, let me know. I'll send you an email with the time and date on that one. But in the meantime, you decide you wanna roll back, if you can just email me and let me know or just let me know. That way, you know, if anything changes, I can just stop looking at the advice side of things for you. But just let me know what you decide. Okay? That's okay, Paul. Thanks for your time. 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Paul. This is Dana. How are you? I'm very well. Thank you.\n\nJack, how you booked in this morning for a bit of a catch up there? I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything. Am I on the track with that at the moment? What's been going on? Yeah.\n\nYeah. Mhmm. Mhmm. Yes and no. Realistically, what's happening in the market generally, it feels like it's affecting your Hub twenty four super a lot more than your Australian than your AARP fund because you have more money sitting in this fund, and there's no contributions going into hub twenty four at the moment.\n\nBecause your contributions are going into ART, they're being bought into those investments. It's been dollar cost averaged in on a regular basis, which means your ART fund is getting more of an advantage of that. And because your balance is lower over there, you're not feeling the ups and downs as drastically as what you are over this side of things. Not having contributions there means you're only sort of waiting to see what the market does in portfolio, and you have a higher balance here in Hub twenty four. So you are gonna feel those ups and downs a lot more drastically.\n\nWe have been doing the research to get the advice updated for you, but it's still gonna be the same effect. If we're not able to put money into Hub twenty four and we have to rely on transferring funds out of ART on, you know, a regular basis or once a year. It's still gonna be the same thing. You are still gonna feel the effect in Hub twenty four a lot greater than any other fund at the moment. But if you were to move everything back to ARC, which you absolutely can if you want to, there's nothing wrong with that.\n\nIf you don't feel, you know, happy with where you are, you you're not held here in any way, shape, or form. The same thing, you are gonna feel those ups and downs within that fund as well. It's it's the difference of the contributions going in there, but it's gotta be your comfort level as well. Okay? Yeah.\n\nIn the investment portfolio is gonna do so much. Yeah. Yeah. Yeah. No.\n\nI understand that. Yeah. No. That's okay. Yeah.\n\nYeah. Yeah. Of course. Yeah. And and it does over time, but a portfolio can only do so much.\n\nIf the market as a whole is moving down and funds are being sold out, a lot of what you see in the market at the moment is people being nervous, and it's not institutional investors buying and selling a lot of things. You know, in institutional investors are staying invested and putting more money into the dips. They know how to buy in this quality investments. But what it is is retail investors making decisions on being nervous about the oil prices, about what's happening with fuel, about the war, about high inflation still happening, the interest rates increasing because the job market is still really good. So it's it's people, mom and dad investors, and retail investors that are making these emotional decisions to sell out of the market because they're nervous of what's happening, and that's causing an onflow and an onflow effect of everything else.\n\nAt the same time, as I said, you're not held here. If you wanna go back to ART and have your money there, it's absolutely fine. You just need to give them a call, and they can organize the they can organize the rollout. They'll request it from Hub and roll the funds over. It does take time to sell out of all the investments.\n\nSo, I mean, we can get things done as quickly as possible, but it does take time to sell all the investments down and have the rollover completed. So if it's something you're wanting to do, doing it sooner rather than later is really important to do. One the but as I said, investment portfolios can only work as hard as the market is, and then we always wanna make contributions into investments, whether it's in super or in your own name. Contributions make a difference because your dollar cost averaging and adding money into those investment markets, which does help to for the compounding effect. So investments will never work a 100% on their own.\n\nThey always require some sort of assistance, whether it be putting smaller amounts of money in on a regular basis or a bit of money over the course of the year as well. And that's how the compounding effect works. Otherwise, you're just relying on income that's being produced out and reinvested in. Income tends to be a lot lower than growth does because growth is where you see a lot more higher risk investments as in things like international shares, Australian shares. Gold is a really good growth investment but doesn't produce any income.\n\nYou're sort of looking at the growth aspect only. And when markets have a pullback like what they're seeing at the moment, having a bigger balance has a greater effect. If you think about someone with $50,000, a 5% return is much smaller than someone with a $500,000 balance. So you are gonna feel that more within hub twenty four than you are in ART. Combining them would be the better option to do, but we had to keep them separate because you wanted to keep your insurances within the ART fund there.\n\nSo I think moving forward, it's just about your comfort level and what you're comfortable with and what you're gonna be comfortable with down the track because you are closer to it. I would be very mindful of maybe mentioning that if you go back to ART, which is fine, maybe reevaluate the investments that are in there because you were in more of a high growth investment in there, and moving everything back into one place with a higher balance, you're fluctuations. So maybe just reevaluate the level of risk you're taking within that fund there down the track. Okay? Yeah.\n\nDoes that help a little bit? Mhmm. Well, with I in the email I sent you yesterday, it looks like you've seen it. Did you read through that email at all? No?\n\nI maybe it was money that had a look at it. I sent it through to you yesterday. It looks like it has been viewed. But in the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5¢. So that's the estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance.\n\nYeah. The balance in the fund at the moment, I've got that here in front of me for you. It is currently 401,034. So this yeah. And look look, this is just a pullback.\n\nYou haven't lost any of that money because you haven't sold anything. The rolling back means you will be cementing the losses. There will be the CDT effect, but it's gotta be your comfort level at the same time. I can't tell you what to do. That, unfortunately, has to be a decision that you're comfortable making.\n\nSo, yeah, just think about what you wanna do. If you are wanting to, you know, roll back, just call ART, get them to submit the rollover request. If you need anything from me to do that, absolutely fine. Let me know. I'll certainly give you a hand.\n\nI am away next week. But if you can let me know kinda today or tomorrow if there's anything that you need to help you with that, that's absolutely fine. I know this is something that's been on your mind for the past couple of months, and you're kind kind of been working at what to do moving forward. So I just wanted to have this conversation with you and be honest with you as well because I don't want you to be not comfortable with the decision that you've got. So if you're not happy, you are welcome to roll back.\n\nThat's not an issue. Okay? Yeah. The markets have have had a really volatile time, and they are going to. And it's moving forward, there is gonna be a lot more volatility.\n\nThere are different things that I look at to show what the volatility is. One is the VIX index if you've ever looked at that, but that shows you, essentially attracts the volatility in the market. And when it's up over 20%, you can kind of expect over the next thirty days that we're gonna see quite heavy market volatility. When the VIX index is under 20%, then you can kind of expect more of a steady market. But with the balance you have plus being in more of a high growth environment, you are taking more risk.\n\nYou've got a higher balance, so you are gonna feel those market fluctuations. Combining that with not making any additional contributions into hub twenty four means that you are gonna feel that more drastically, and that's what's making you very nervous. So we either have to look at reducing the risk level, making more contributions, or putting you back into something that's gonna keep your comfort level there. But moving back into ART, if you stay in that high growth environment with the balance, even with the contributions going in, with the kind of volatility we are seeing at the moment, you will still feel it. So I wanna be really honest with you.\n\nYou will still notice those ups and downs because you have everything in that one place. It'll be a higher balance. So it doesn't matter where your money is located. Investing it is always gonna come with risk, and you are gonna feel those ups and downs as your balance increases. Okay?\n\nYou could be. I can't really say for sure because the markets if you left everything in ART, the with the same sort of volatility we have or haven't seen, I really can't predict where you would have actually been, whether you would be in front or not. We can we're kinda using past status to sort of assume. But, yeah, I think I think it's just better to sort of work out where you're comfortable with what you're after and, you know, how you want to proceed moving forward, essentially. Yeah.\n\nNo. Well, the the other thing is when you're in your time and unless and if you're gonna take all of your money out all at once, then it's more of a concern. But even in retirement, you still have longevity to sort of consider. So you're gonna be taking a smaller income out on a regular basis, which means the rest of the money stays invested. In retirement, we wouldn't have you in a high growth portfolio.\n\nI have people much more conservative in retirement. They're getting less of a return, but they're also got all their investments in much much more of a safer investment, a lower risk investment area. They're looking at cash, bonds, and fixed interest. They're not in this high growth environment. So, I definitely would be more inclined to maybe move you out of that high growth environment.\n\nI know you want the the markets to work. You want the investments to grow and want the best return you can get, but the level of nervousness that I kind of am getting shows that maybe you're probably not best to be in that high growth environment. Maybe you should pull back the risk level a little bit, understand your returns are a bit lower by just sort of taking more of a conservative approach to things. Does that make sense? Yeah.\n\nYeah. Well, these investments yeah. Well, these investments that you're invested in have withstood market volatility. They've gone through the GFC. They've gone through COVID times, and they've come out and recovered.\n\nSo, yes, they've seen 20 or 60% dips in the market, but they have come out, I'm sorry, and recovered and grown from there. So that's the other reason with the investors that we put you in. These things have withstood the test of time and have withstood this volatility, but it also just comes down to are you comfortable with the volatility? Are you able to stand that volatility? Do you have the tolerance for that?\n\nSo, yeah, that's essentially where we're at. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. No.\n\nThat's fine. That's not a problem at all. It it sounds to me like you've kind of made your mind up. You're sort of wanting to move back to ART at this point. Am I on the right track with where things are at?\n\nNo. Yeah. Yeah. Yeah. Yeah.\n\nWell, I moving forward. Yeah. Well, look, I've yeah. Over the whole, your portfolio has done really well. In the email, if you sort of have a look, over the past two years, you've had a net return of over 13.4%.\n\nSo that's actually pretty good. You have gone you are up from where you were when you came on board, which is important to kind of note. However, with the volatility at the moment, it's affecting all the industries, all the classes, all everything. So there's really kind of no getting around what's happening at the moment. And even if we are just buying and selling, we have to be careful.\n\nWhilst there may be investments that are performing better out there at the moment, if we just sell what we have now and buy into that for the short term, we're essentially day trading a super, which is dangerous because we're not able no one can tell where the top or the bottom of the market is. No one knows what's going to happen, And super is supposed to be a long term investment. We're sitting here. We're investing in quality investments that have seen the ups and downs of volatility, have come back through those times and provide a greater growth because of it. If we see you know, if something happens and we see one investment might be down this week by that 10% and we sell out of that, you're cementing that loss.\n\nYou have no way of making that back. Whereas if we're down at the moment, we haven't sold any of the investment. Therefore, the investment has a chance to come back and recover. With the advice you and I discussed last time, we are looking to get rid of Benelon because Benelon hasn't been performing very well. My team have been doing the research to work out what we need to do.\n\nThe last of the part was the admins have been trying to get an updated ARC statement from you, and they haven't been able to get a hold of you to get that. Have you been able to obtain the statement there? Because we need a regular statement to show the updated balance that we're working on factual information for the updated device, and that's kind of where the holdup is at the moment. Yep. Beautiful.\n\nIf you can, we can update the advice, and I can go through and show you what we're recommending to alter to change the so to change the portfolio. But, again, it's just just an updated balance. If you can log in to the portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you. And then you get to decide whether you take that or not, whether you stay on board, or whether you wanna go back to ART. Okay?\n\nAll good. That's okay. With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment. Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat? Yep.\n\nYep. You can do that if you want to. Essentially, what happens is when you request the rollover from ART, they'll request from Hub. Hub will sell everything down to cash or make us sell everything down to cash. It will all roll back into ART.\n\nYou just have to tell ART what you want to do. If you want them to hold that in cash, they will hold it in cash. But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive. Yeah. Okay.\n\nAll good. Yeah. If you can email me the statement, that'd be fabulous. From this point in time, I'll can I'll keep working on the advice for you, and we'll book it in for the next two weeks to have it presented. Did you want to book in a time now with you to go through it in two weeks?\n\nYeah. I've got the Thursday, April 16 available at about 09:00 Queensland, Oh, it's 09:00 everyone's time then. 09:00. Would that be okay? Yeah.\n\nBeautiful. If anything changes, let me know. I'll send you an email with the time and date on that one. But in the meantime, you decide you wanna roll back, if you can just email me and let me know or just let me know. That way, you know, if anything changes, I can just stop looking at the advice side of things for you.\n\nBut just let me know what you decide. Okay? That's okay, Paul. Thanks for your time. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":1.8399999,"end":2.32,"sentiment":"neutral","sentiment_score":0.13819264993071556},{"text":"This is Dana.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.1541889508565267},{"text":"How are you?","start":3.04,"end":3.86,"sentiment":"neutral","sentiment_score":0.1953746328751246},{"text":"I'm very well.","start":5.3599997,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6246640483538309},{"text":"Thank you.","start":6.3999996,"end":7.14,"sentiment":"positive","sentiment_score":0.64080411195755}],"sentiment":"positive","sentiment_score":0.3446674169256137,"num_words":13,"start":1.8399999,"end":7.14},{"sentences":[{"text":"Jack, how you booked in this morning for a bit of a catch up there?","start":7.3599997,"end":9.76,"sentiment":"neutral","sentiment_score":0.1260302484035492},{"text":"I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything.","start":9.76,"end":16.835,"sentiment":"neutral","sentiment_score":-0.09579693514012522},{"text":"Am I on the track with that at the moment?","start":16.835,"end":18.835,"sentiment":"neutral","sentiment_score":-0.057714732363820076},{"text":"What's been going on?","start":18.835,"end":19.974998,"sentiment":"neutral","sentiment_score":-0.022802197840064764},{"text":"Yeah.","start":20.994999,"end":21.494999,"sentiment":"neutral","sentiment_score":0.009356921538710594}],"sentiment":"neutral","sentiment_score":-0.028495909127055623,"num_words":61,"start":7.3599997,"end":21.494999},{"sentences":[{"text":"Yeah.","start":27.73,"end":28.05,"sentiment":"neutral","sentiment_score":-0.053989384323358536},{"text":"Mhmm.","start":28.05,"end":28.55,"sentiment":"neutral","sentiment_score":-0.03521786257624626},{"text":"Mhmm.","start":33.01,"end":33.51,"sentiment":"neutral","sentiment_score":-0.02703352272510529},{"text":"Yes and no.","start":43.795,"end":45.015,"sentiment":"neutral","sentiment_score":-0.1345754253367583},{"text":"Realistically, what's happening in the market generally, it feels like it's affecting your Hub twenty four super a lot more than your Australian than your AARP fund because you have more money sitting in this fund, and there's no contributions going into hub twenty four at the moment.","start":45.554996,"end":59.91,"sentiment":"neutral","sentiment_score":-0.23797311168164015}],"sentiment":"neutral","sentiment_score":-0.2211606741917354,"num_words":54,"start":27.73,"end":59.91},{"sentences":[{"text":"Because your contributions are going into ART, they're being bought into those investments.","start":59.97,"end":64.95,"sentiment":"neutral","sentiment_score":-0.09723216123305835},{"text":"It's been dollar cost averaged in on a regular basis, which means your ART fund is getting more of an advantage of that.","start":65.01,"end":70.905,"sentiment":"neutral","sentiment_score":0.06856969760163971},{"text":"And because your balance is lower over there, you're not feeling the ups and downs as drastically as what you are over this side of things.","start":71.065,"end":78.045,"sentiment":"neutral","sentiment_score":-0.13847822824922892},{"text":"Not having contributions there means you're only sort of waiting to see what the market does in portfolio, and you have a higher balance here in Hub twenty four.","start":78.424995,"end":85.99,"sentiment":"neutral","sentiment_score":-0.13414689410349417},{"text":"So you are gonna feel those ups and downs a lot more drastically.","start":85.99,"end":89.53,"sentiment":"neutral","sentiment_score":-0.28427236126019406}],"sentiment":"neutral","sentiment_score":-0.10454951549092165,"num_words":104,"start":59.97,"end":89.53},{"sentences":[{"text":"We have been doing the research to get the advice updated for you, but it's still gonna be the same effect.","start":90.31,"end":95.59,"sentiment":"neutral","sentiment_score":-0.09582431099954106},{"text":"If we're not able to put money into Hub twenty four and we have to rely on transferring funds out of ART on, you know, a regular basis or once a year.","start":95.59,"end":105.005,"sentiment":"neutral","sentiment_score":-0.13294664572458714},{"text":"It's still gonna be the same thing.","start":105.305,"end":106.585,"sentiment":"neutral","sentiment_score":-0.00491179632289069},{"text":"You are still gonna feel the effect in Hub twenty four a lot greater than any other fund at the moment.","start":106.585,"end":111.704994,"sentiment":"positive","sentiment_score":0.4000827538825217},{"text":"But if you were to move everything back to ARC, which you absolutely can if you want to, there's nothing wrong with that.","start":111.704994,"end":117.11,"sentiment":"neutral","sentiment_score":0.10544961982447168}],"sentiment":"neutral","sentiment_score":0.04352012806786941,"num_words":104,"start":90.31,"end":117.11},{"sentences":[{"text":"If you don't feel, you know, happy with where you are, you you're not held here in any way, shape, or form.","start":117.11,"end":122.729996,"sentiment":"negative","sentiment_score":-0.4855782931501215},{"text":"The same thing, you are gonna feel those ups and downs within that fund as well.","start":123.11,"end":126.47,"sentiment":"neutral","sentiment_score":-0.12424135394394398},{"text":"It's it's the difference of the contributions going in there, but it's gotta be your comfort level as well.","start":126.47,"end":131.265,"sentiment":"neutral","sentiment_score":0.035850145510937036},{"text":"Okay?","start":131.325,"end":131.825,"sentiment":"neutral","sentiment_score":0.054364193230867386},{"text":"Yeah.","start":145.9,"end":146.4,"sentiment":"neutral","sentiment_score":0.0733165293931961}],"sentiment":"neutral","sentiment_score":-0.20104662076396457,"num_words":59,"start":117.11,"end":146.4},{"sentences":[{"text":"In the investment portfolio is gonna do so much.","start":146.45999,"end":149.26,"sentiment":"neutral","sentiment_score":0.01627184036705229},{"text":"Yeah.","start":149.26,"end":149.76,"sentiment":"neutral","sentiment_score":-0.025235384702682495},{"text":"Yeah.","start":158.795,"end":159.295,"sentiment":"neutral","sentiment_score":-0.15964394807815552},{"text":"Yeah.","start":167.53,"end":168.03,"sentiment":"neutral","sentiment_score":-0.049537330865859985},{"text":"No.","start":168.33,"end":168.56999,"sentiment":"neutral","sentiment_score":-0.22978448867797852}],"sentiment":"neutral","sentiment_score":-0.024442660693938915,"num_words":13,"start":146.45999,"end":168.56999},{"sentences":[{"text":"I understand that.","start":168.56999,"end":169.63,"sentiment":"neutral","sentiment_score":-0.24481560289859772},{"text":"Yeah.","start":170.01,"end":170.51,"sentiment":"neutral","sentiment_score":-0.19771641492843628},{"text":"No.","start":171.37,"end":171.69,"sentiment":"neutral","sentiment_score":-0.24218350648880005},{"text":"That's okay.","start":171.69,"end":172.59,"sentiment":"neutral","sentiment_score":-0.11850592866539955},{"text":"Yeah.","start":173.13,"end":173.63,"sentiment":"neutral","sentiment_score":-0.13858447968959808}],"sentiment":"neutral","sentiment_score":-0.19374288339167833,"num_words":8,"start":168.56999,"end":173.63},{"sentences":[{"text":"Yeah.","start":174.81,"end":175.31,"sentiment":"neutral","sentiment_score":0.07540467381477356},{"text":"Yeah.","start":176.475,"end":176.715,"sentiment":"neutral","sentiment_score":0.07748057693243027},{"text":"Of course.","start":176.715,"end":177.375,"sentiment":"neutral","sentiment_score":0.07589682564139366},{"text":"Yeah.","start":177.755,"end":178.255,"sentiment":"neutral","sentiment_score":-0.06738630682229996},{"text":"And and it does over time, but a portfolio can only do so much.","start":188.89,"end":193.61,"sentiment":"neutral","sentiment_score":0.020817336227212633}],"sentiment":"neutral","sentiment_score":0.0278281738099299,"num_words":19,"start":174.81,"end":193.61},{"sentences":[{"text":"If the market as a whole is moving down and funds are being sold out, a lot of what you see in the market at the moment is people being nervous, and it's not institutional investors buying and selling a lot of things.","start":193.61,"end":205.24501,"sentiment":"neutral","sentiment_score":-0.3239439743202786},{"text":"You know, in institutional investors are staying invested and putting more money into the dips.","start":205.24501,"end":209.085,"sentiment":"neutral","sentiment_score":-0.08263084813952445},{"text":"They know how to buy in this quality investments.","start":209.085,"end":211.505,"sentiment":"neutral","sentiment_score":0.013859664814339744},{"text":"But what it is is retail investors making decisions on being nervous about the oil prices, about what's happening with fuel, about the war, about high inflation still happening, the interest rates increasing because the job market is still really good.","start":211.565,"end":224.58,"sentiment":"neutral","sentiment_score":-0.27116743747780964},{"text":"So it's it's people, mom and dad investors, and retail investors that are making these emotional decisions to sell out of the market because they're nervous of what's happening, and that's causing an onflow and an onflow effect of everything else.","start":224.58,"end":237.9,"sentiment":"negative","sentiment_score":-0.4579561570795571}],"sentiment":"neutral","sentiment_score":-0.30159989269387805,"num_words":149,"start":193.61,"end":237.9},{"sentences":[{"text":"At the same time, as I said, you're not held here.","start":238.7,"end":240.86,"sentiment":"neutral","sentiment_score":-0.12176813523877751},{"text":"If you wanna go back to ART and have your money there, it's absolutely fine.","start":240.86,"end":244.72,"sentiment":"neutral","sentiment_score":0.12066718985637029},{"text":"You just need to give them a call, and they can organize the they can organize the rollout.","start":245.09999,"end":250.54,"sentiment":"neutral","sentiment_score":0.09325858226252927},{"text":"They'll request it from Hub and roll the funds over.","start":250.54,"end":252.95999,"sentiment":"neutral","sentiment_score":0.06774517707526684},{"text":"It does take time to sell out of all the investments.","start":253.05501,"end":255.71501,"sentiment":"neutral","sentiment_score":-0.2501755410974676}],"sentiment":"neutral","sentiment_score":0.0011497486096162062,"num_words":65,"start":238.7,"end":255.71501},{"sentences":[{"text":"So, I mean, we can get things done as quickly as possible, but it does take time to sell all the investments down and have the rollover completed.","start":255.85501,"end":262.835,"sentiment":"neutral","sentiment_score":-0.16463578838322843},{"text":"So if it's something you're wanting to do, doing it sooner rather than later is really important to do.","start":262.89502,"end":267.69,"sentiment":"neutral","sentiment_score":0.0024141172241223478},{"text":"One the but as I said, investment portfolios can only work as hard as the market is, and then we always wanna make contributions into investments, whether it's in super or in your own name.","start":268.65,"end":278.25,"sentiment":"neutral","sentiment_score":0.005220629168408258},{"text":"Contributions make a difference because your dollar cost averaging and adding money into those investment markets, which does help to for the compounding effect.","start":278.25,"end":287.42502,"sentiment":"neutral","sentiment_score":0.16364530442903438},{"text":"So investments will never work a 100% on their own.","start":287.42502,"end":291.105,"sentiment":"neutral","sentiment_score":-0.2898336470127106}],"sentiment":"neutral","sentiment_score":-0.028897077503517783,"num_words":116,"start":255.85501,"end":291.105},{"sentences":[{"text":"They always require some sort of assistance, whether it be putting smaller amounts of money in on a regular basis or a bit of money over the course of the year as well.","start":291.105,"end":299.12,"sentiment":"neutral","sentiment_score":0.07860601332151529},{"text":"And that's how the compounding effect works.","start":299.42,"end":301.58,"sentiment":"neutral","sentiment_score":0.06105834458555494},{"text":"Otherwise, you're just relying on income that's being produced out and reinvested in.","start":301.58,"end":306.24,"sentiment":"neutral","sentiment_score":-0.05059895463860952},{"text":"Income tends to be a lot lower than growth does because growth is where you see a lot more higher risk investments as in things like international shares, Australian shares.","start":306.46,"end":315.33502,"sentiment":"neutral","sentiment_score":-0.2633054306109746},{"text":"Gold is a really good growth investment but doesn't produce any income.","start":315.715,"end":319.23502,"sentiment":"neutral","sentiment_score":0.16516397086282572}],"sentiment":"neutral","sentiment_score":-0.03740605080598279,"num_words":95,"start":291.105,"end":319.23502},{"sentences":[{"text":"You're sort of looking at the growth aspect only.","start":319.23502,"end":321.655,"sentiment":"neutral","sentiment_score":0.05756484717130661},{"text":"And when markets have a pullback like what they're seeing at the moment, having a bigger balance has a greater effect.","start":321.715,"end":327.73502,"sentiment":"neutral","sentiment_score":-0.07471959328367597},{"text":"If you think about someone with $50,000, a 5% return is much smaller than someone with a $500,000 balance.","start":327.83,"end":335.19,"sentiment":"neutral","sentiment_score":-0.10005524480029156},{"text":"So you are gonna feel that more within hub twenty four than you are in ART.","start":335.19,"end":339.69,"sentiment":"neutral","sentiment_score":0.23287765309214592},{"text":"Combining them would be the better option to do, but we had to keep them separate because you wanted to keep your insurances within the ART fund there.","start":340.70502,"end":348.145,"sentiment":"neutral","sentiment_score":0.10030727540808064}],"sentiment":"neutral","sentiment_score":0.03852224382021094,"num_words":93,"start":319.23502,"end":348.145},{"sentences":[{"text":"So I think moving forward, it's just about your comfort level and what you're comfortable with and what you're gonna be comfortable with down the track because you are closer to it.","start":348.145,"end":357.63,"sentiment":"neutral","sentiment_score":0.3294152971357107},{"text":"I would be very mindful of maybe mentioning that if you go back to ART, which is fine, maybe reevaluate the investments that are in there because you were in more of a high growth investment in there, and moving everything back into one place with a higher balance, you're fluctuations.","start":358.01,"end":373.745,"sentiment":"neutral","sentiment_score":0.0195460899495611},{"text":"So maybe just reevaluate the level of risk you're taking within that fund there down the track.","start":373.885,"end":379.425,"sentiment":"neutral","sentiment_score":-0.05845675453105394},{"text":"Okay?","start":379.485,"end":379.985,"sentiment":"neutral","sentiment_score":0.03596954792737961},{"text":"Yeah.","start":380.88,"end":381.38,"sentiment":"neutral","sentiment_score":0.03137616813182831}],"sentiment":"neutral","sentiment_score":0.10403648024315343,"num_words":102,"start":348.145,"end":381.38},{"sentences":[{"text":"Does that help a little bit?","start":381.52002,"end":383.06003,"sentiment":"neutral","sentiment_score":-0.010513785605629286},{"text":"Mhmm.","start":386.88,"end":387.38,"sentiment":"neutral","sentiment_score":-0.07202589511871338},{"text":"Well, with I in the email I sent you yesterday, it looks like you've seen it.","start":389.68002,"end":393.52002,"sentiment":"neutral","sentiment_score":-0.02247488929424435},{"text":"Did you read through that email at all?","start":393.52002,"end":395.46002,"sentiment":"neutral","sentiment_score":-0.06636600662022829},{"text":"No?","start":397.925,"end":398.405,"sentiment":"neutral","sentiment_score":-0.15804649889469147}],"sentiment":"neutral","sentiment_score":-0.03699004341615364,"num_words":32,"start":381.52002,"end":398.405},{"sentences":[{"text":"I maybe it was money that had a look at it.","start":398.405,"end":400.485,"sentiment":"neutral","sentiment_score":-0.09601604498245499},{"text":"I sent it through to you yesterday.","start":400.485,"end":402.00497,"sentiment":"neutral","sentiment_score":0.000750080549291202},{"text":"It looks like it has been viewed.","start":402.00497,"end":403.54498,"sentiment":"neutral","sentiment_score":0.014985337587339538},{"text":"But in the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5¢.","start":403.925,"end":415.73,"sentiment":"neutral","sentiment_score":-0.07559544135901061},{"text":"So that's the estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance.","start":415.95,"end":424.425,"sentiment":"neutral","sentiment_score":-0.09108260972425342}],"sentiment":"neutral","sentiment_score":-0.07061468493193387,"num_words":91,"start":398.405,"end":424.425},{"sentences":[{"text":"Yeah.","start":426.085,"end":426.585,"sentiment":"neutral","sentiment_score":0.003285161219537258},{"text":"The balance in the fund at the moment, I've got that here in front of me for you.","start":428.32498,"end":432.745,"sentiment":"neutral","sentiment_score":-0.022401852843662102},{"text":"It is currently 401,034.","start":434.565,"end":438.66498,"sentiment":"neutral","sentiment_score":-0.021318307146430016},{"text":"So this yeah.","start":446.55,"end":449.03,"sentiment":"neutral","sentiment_score":-0.02257459859053294},{"text":"And look look, this is just a pullback.","start":449.03,"end":450.63,"sentiment":"neutral","sentiment_score":-0.06470701098442078}],"sentiment":"neutral","sentiment_score":-0.03148827359409017,"num_words":34,"start":426.085,"end":450.63},{"sentences":[{"text":"You haven't lost any of that money because you haven't sold anything.","start":450.63,"end":453.53,"sentiment":"neutral","sentiment_score":-0.14388466502229372},{"text":"The rolling back means you will be cementing the losses.","start":453.775,"end":456.495,"sentiment":"neutral","sentiment_score":-0.06647551953792571},{"text":"There will be the CDT effect, but it's gotta be your comfort level at the same time.","start":456.495,"end":460.815,"sentiment":"neutral","sentiment_score":-0.07376547453596312},{"text":"I can't tell you what to do.","start":460.815,"end":462.495,"sentiment":"negative","sentiment_score":-0.340299197605678},{"text":"That, unfortunately, has to be a decision that you're comfortable making.","start":462.495,"end":465.555,"sentiment":"negative","sentiment_score":-0.43812400644475763}],"sentiment":"neutral","sentiment_score":-0.190295485910355,"num_words":57,"start":450.63,"end":465.555},{"sentences":[{"text":"So, yeah, just think about what you wanna do.","start":466.73,"end":468.73,"sentiment":"neutral","sentiment_score":-0.14469270242585075},{"text":"If you are wanting to, you know, roll back, just call ART, get them to submit the rollover request.","start":468.73,"end":475.47,"sentiment":"neutral","sentiment_score":-0.06070418126488987},{"text":"If you need anything from me to do that, absolutely fine.","start":475.77,"end":478.825,"sentiment":"neutral","sentiment_score":0.024613204327496616},{"text":"Let me know.","start":478.825,"end":479.385,"sentiment":"neutral","sentiment_score":0.12688427666823068},{"text":"I'll certainly give you a hand.","start":479.385,"end":480.745,"sentiment":"neutral","sentiment_score":0.1755543313920498}],"sentiment":"neutral","sentiment_score":-0.01564353541471064,"num_words":48,"start":466.73,"end":480.745},{"sentences":[{"text":"I am away next week.","start":480.745,"end":482.285,"sentiment":"neutral","sentiment_score":-0.04662518128752709},{"text":"But if you can let me know kinda today or tomorrow if there's anything that you need to help you with that, that's absolutely fine.","start":482.745,"end":487.945,"sentiment":"neutral","sentiment_score":0.10272135257720948},{"text":"I know this is something that's been on your mind for the past couple of months, and you're kind kind of been working at what to do moving forward.","start":487.945,"end":495.02,"sentiment":"neutral","sentiment_score":-0.07658087372266013},{"text":"So I just wanted to have this conversation with you and be honest with you as well because I don't want you to be not comfortable with the decision that you've got.","start":495.16,"end":502.6,"sentiment":"neutral","sentiment_score":-0.06112363399006426},{"text":"So if you're not happy, you are welcome to roll back.","start":502.6,"end":505.535,"sentiment":"neutral","sentiment_score":-0.10311849144372073}],"sentiment":"neutral","sentiment_score":-0.029178403171838497,"num_words":102,"start":480.745,"end":505.535},{"sentences":[{"text":"That's not an issue.","start":505.535,"end":506.515,"sentiment":"neutral","sentiment_score":0.024310683831572533},{"text":"Okay?","start":506.65503,"end":507.15503,"sentiment":"neutral","sentiment_score":0.10439108312129974},{"text":"Yeah.","start":516.19,"end":516.51,"sentiment":"neutral","sentiment_score":-0.100790873169899},{"text":"The markets have have had a really volatile time, and they are going to.","start":516.51,"end":521.01,"sentiment":"neutral","sentiment_score":-0.2379050361258643},{"text":"And it's moving forward, there is gonna be a lot more volatility.","start":521.39,"end":524.85004,"sentiment":"neutral","sentiment_score":-0.2035982497036457}],"sentiment":"neutral","sentiment_score":-0.17728145490400493,"num_words":32,"start":505.535,"end":524.85004},{"sentences":[{"text":"There are different things that I look at to show what the volatility is.","start":524.99005,"end":529.47003,"sentiment":"neutral","sentiment_score":-0.07389971986413002},{"text":"One is the VIX index if you've ever looked at that, but that shows you, essentially attracts the volatility in the market.","start":529.47003,"end":536.065,"sentiment":"neutral","sentiment_score":-0.00806001616133885},{"text":"And when it's up over 20%, you can kind of expect over the next thirty days that we're gonna see quite heavy market volatility.","start":536.065,"end":543.365,"sentiment":"neutral","sentiment_score":-0.028175975816945236},{"text":"When the VIX index is under 20%, then you can kind of expect more of a steady market.","start":543.425,"end":548.01996,"sentiment":"neutral","sentiment_score":0.025964072802000575},{"text":"But with the balance you have plus being in more of a high growth environment, you are taking more risk.","start":548.56,"end":553.44,"sentiment":"neutral","sentiment_score":-0.2923220504075289}],"sentiment":"neutral","sentiment_score":-0.07415538317314824,"num_words":98,"start":524.99005,"end":553.44},{"sentences":[{"text":"You've got a higher balance, so you are gonna feel those market fluctuations.","start":553.44,"end":556.66,"sentiment":"neutral","sentiment_score":-0.3026952686218115},{"text":"Combining that with not making any additional contributions into hub twenty four means that you are gonna feel that more drastically, and that's what's making you very nervous.","start":557.295,"end":565.795,"sentiment":"negative","sentiment_score":-0.43699125573039055},{"text":"So we either have to look at reducing the risk level, making more contributions, or putting you back into something that's gonna keep your comfort level there.","start":565.855,"end":574.36,"sentiment":"neutral","sentiment_score":-0.32771441781962357},{"text":"But moving back into ART, if you stay in that high growth environment with the balance, even with the contributions going in, with the kind of volatility we are seeing at the moment, you will still feel it.","start":574.36,"end":584.83997,"sentiment":"neutral","sentiment_score":-0.11175673543230484},{"text":"So I wanna be really honest with you.","start":584.83997,"end":587.305,"sentiment":"neutral","sentiment_score":0.001958962995558977}],"sentiment":"neutral","sentiment_score":-0.25658041382567925,"num_words":114,"start":553.44,"end":587.305},{"sentences":[{"text":"You will still notice those ups and downs because you have everything in that one place.","start":587.365,"end":591.20496,"sentiment":"neutral","sentiment_score":-0.11673515383154154},{"text":"It'll be a higher balance.","start":591.20496,"end":592.40497,"sentiment":"neutral","sentiment_score":-0.050995299220085145},{"text":"So it doesn't matter where your money is located.","start":592.40497,"end":594.425,"sentiment":"neutral","sentiment_score":-0.058427764309777155},{"text":"Investing it is always gonna come with risk, and you are gonna feel those ups and downs as your balance increases.","start":594.565,"end":600.105,"sentiment":"neutral","sentiment_score":-0.17123761276404062},{"text":"Okay?","start":600.86,"end":601.36,"sentiment":"neutral","sentiment_score":-0.055065348744392395}],"sentiment":"neutral","sentiment_score":-0.12114700101889096,"num_words":52,"start":587.365,"end":601.36},{"sentences":[{"text":"You could be.","start":612.62,"end":613.25995,"sentiment":"neutral","sentiment_score":-0.1543001582225164},{"text":"I can't really say for sure because the markets if you left everything in ART, the with the same sort of volatility we have or haven't seen, I really can't predict where you would have actually been, whether you would be in front or not.","start":613.25995,"end":627.755,"sentiment":"neutral","sentiment_score":-0.1338488545682695},{"text":"We can we're kinda using past status to sort of assume.","start":627.755,"end":630.74005,"sentiment":"neutral","sentiment_score":-0.05690111761743372},{"text":"But, yeah, I think I think it's just better to sort of work out where you're comfortable with what you're after and, you know, how you want to proceed moving forward, essentially.","start":631.36005,"end":638.9,"sentiment":"positive","sentiment_score":0.3521886421367526},{"text":"Yeah.","start":644.89496,"end":645.39496,"sentiment":"neutral","sentiment_score":-0.022436873987317085}],"sentiment":"neutral","sentiment_score":0.044952048373449106,"num_words":92,"start":612.62,"end":645.39496},{"sentences":[{"text":"No.","start":658.27,"end":658.67,"sentiment":"neutral","sentiment_score":-0.14879554510116577},{"text":"Well, the the other thing is when you're in your time and unless and if you're gonna take all of your money out all at once, then it's more of a concern.","start":658.67,"end":666.69,"sentiment":"neutral","sentiment_score":-0.14159370143897831},{"text":"But even in retirement, you still have longevity to sort of consider.","start":666.83,"end":670.26495,"sentiment":"neutral","sentiment_score":0.003345121629536152},{"text":"So you're gonna be taking a smaller income out on a regular basis, which means the rest of the money stays invested.","start":670.32495,"end":676.26495,"sentiment":"neutral","sentiment_score":0.12977634844454852},{"text":"In retirement, we wouldn't have you in a high growth portfolio.","start":676.88495,"end":679.625,"sentiment":"neutral","sentiment_score":-0.11183654076673767}],"sentiment":"neutral","sentiment_score":-0.03865095915702673,"num_words":78,"start":658.27,"end":679.625},{"sentences":[{"text":"I have people much more conservative in retirement.","start":679.685,"end":682.185,"sentiment":"neutral","sentiment_score":0.004726699087768793},{"text":"They're getting less of a return, but they're also got all their investments in much much more of a safer investment, a lower risk investment area.","start":682.49,"end":690.56995,"sentiment":"neutral","sentiment_score":0.060029566574555174},{"text":"They're looking at cash, bonds, and fixed interest.","start":690.56995,"end":692.91,"sentiment":"neutral","sentiment_score":0.04344409122131765},{"text":"They're not in this high growth environment.","start":693.29,"end":695.14996,"sentiment":"negative","sentiment_score":-0.37774241822106497},{"text":"So, I definitely would be more inclined to maybe move you out of that high growth environment.","start":695.37,"end":700.265,"sentiment":"negative","sentiment_score":-0.3400057142271715}],"sentiment":"neutral","sentiment_score":-0.09815392448482188,"num_words":66,"start":679.685,"end":700.265},{"sentences":[{"text":"I know you want the the markets to work.","start":700.265,"end":702.345,"sentiment":"neutral","sentiment_score":-0.10026603854364818},{"text":"You want the investments to grow and want the best return you can get, but the level of nervousness that I kind of am getting shows that maybe you're probably not best to be in that high growth environment.","start":702.345,"end":713.84,"sentiment":"negative","sentiment_score":-0.3715165001459611},{"text":"Maybe you should pull back the risk level a little bit, understand your returns are a bit lower by just sort of taking more of a conservative approach to things.","start":713.84,"end":722.58,"sentiment":"neutral","sentiment_score":0.08865464317301909},{"text":"Does that make sense?","start":722.72003,"end":723.94,"sentiment":"neutral","sentiment_score":0.14120968244969845},{"text":"Yeah.","start":731.61505,"end":732.11505,"sentiment":"neutral","sentiment_score":-0.1128898486495018}],"sentiment":"neutral","sentiment_score":-0.14795120091861988,"num_words":83,"start":700.265,"end":732.11505},{"sentences":[{"text":"Yeah.","start":735.85504,"end":736.17505,"sentiment":"neutral","sentiment_score":-0.012769842520356178},{"text":"Well, these investments yeah.","start":736.17505,"end":738.61005,"sentiment":"neutral","sentiment_score":-0.014382157241925597},{"text":"Well, these investments that you're invested in have withstood market volatility.","start":738.61005,"end":742.39,"sentiment":"neutral","sentiment_score":-0.05421912407671863},{"text":"They've gone through the GFC.","start":742.45,"end":743.75,"sentiment":"neutral","sentiment_score":-0.05153264626860619},{"text":"They've gone through COVID times, and they've come out and recovered.","start":743.81,"end":746.87,"sentiment":"neutral","sentiment_score":-0.008198797279460863}],"sentiment":"neutral","sentiment_score":-0.03170496367965825,"num_words":32,"start":735.85504,"end":746.87},{"sentences":[{"text":"So, yes, they've seen 20 or 60% dips in the market, but they have come out, I'm sorry, and recovered and grown from there.","start":746.93,"end":754.475,"sentiment":"neutral","sentiment_score":-0.005070293031167239},{"text":"So that's the other reason with the investors that we put you in.","start":755.015,"end":757.815,"sentiment":"neutral","sentiment_score":0.07467413750978616},{"text":"These things have withstood the test of time and have withstood this volatility, but it also just comes down to are you comfortable with the volatility?","start":757.815,"end":764.875,"sentiment":"neutral","sentiment_score":-0.005554069120150346},{"text":"Are you able to stand that volatility?","start":765.09503,"end":767.08997,"sentiment":"neutral","sentiment_score":-0.07152154403073448},{"text":"Do you have the tolerance for that?","start":767.31,"end":769.31,"sentiment":"neutral","sentiment_score":-0.046897655086857934}],"sentiment":"neutral","sentiment_score":-0.0016138108580240182,"num_words":77,"start":746.93,"end":769.31},{"sentences":[{"text":"So, yeah, that's essentially where we're at.","start":769.31,"end":773.95,"sentiment":"neutral","sentiment_score":-0.00560942358736481},{"text":"Yeah.","start":773.95,"end":774.45,"sentiment":"neutral","sentiment_score":-0.013215171173214912},{"text":"Yeah.","start":777.23,"end":777.63,"sentiment":"neutral","sentiment_score":-0.04063061624765396},{"text":"Absolutely.","start":777.63,"end":778.13,"sentiment":"neutral","sentiment_score":-0.07438331842422485},{"text":"Yeah.","start":784.59503,"end":784.995,"sentiment":"neutral","sentiment_score":-0.07748951017856598}],"sentiment":"neutral","sentiment_score":-0.02227132555774667,"num_words":11,"start":769.31,"end":784.995},{"sentences":[{"text":"Yeah.","start":784.995,"end":785.495,"sentiment":"neutral","sentiment_score":-0.07006312906742096},{"text":"Yeah.","start":794.85004,"end":795.35004,"sentiment":"neutral","sentiment_score":-0.002447085455060005},{"text":"Absolutely.","start":795.49,"end":795.99,"sentiment":"neutral","sentiment_score":0.056625641882419586},{"text":"Yeah.","start":796.53,"end":796.85004,"sentiment":"neutral","sentiment_score":0.12092775851488112},{"text":"No.","start":796.85004,"end":797.01,"sentiment":"neutral","sentiment_score":0.057360485196113586}],"sentiment":"neutral","sentiment_score":0.032480734214186666,"num_words":5,"start":784.995,"end":797.01},{"sentences":[{"text":"That's fine.","start":797.01,"end":797.65,"sentiment":"neutral","sentiment_score":0.21055816113948822},{"text":"That's not a problem at all.","start":797.65,"end":799.19,"sentiment":"neutral","sentiment_score":0.27751505250732106},{"text":"It it sounds to me like you've kind of made your mind up.","start":799.33,"end":801.97003,"sentiment":"neutral","sentiment_score":0.21183713582845834},{"text":"You're sort of wanting to move back to ART at this point.","start":801.97003,"end":804.615,"sentiment":"neutral","sentiment_score":0.23494813839594522},{"text":"Am I on the right track with where things are at?","start":804.615,"end":806.875,"sentiment":"neutral","sentiment_score":0.17470367388291794}],"sentiment":"neutral","sentiment_score":0.21775471537627958,"num_words":44,"start":797.01,"end":806.875},{"sentences":[{"text":"No.","start":807.975,"end":808.475,"sentiment":"neutral","sentiment_score":-0.22039195895195007},{"text":"Yeah.","start":812.935,"end":813.435,"sentiment":"neutral","sentiment_score":-0.018459884449839592},{"text":"Yeah.","start":835.045,"end":835.545,"sentiment":"neutral","sentiment_score":-0.07445523142814636},{"text":"Yeah.","start":836.405,"end":836.905,"sentiment":"neutral","sentiment_score":0.0062147267162799835},{"text":"Yeah.","start":838.485,"end":838.985,"sentiment":"neutral","sentiment_score":0.02154967188835144}],"sentiment":"neutral","sentiment_score":-0.05710853524506092,"num_words":5,"start":807.975,"end":838.985},{"sentences":[{"text":"Well, I moving forward.","start":839.445,"end":841.465,"sentiment":"neutral","sentiment_score":0.22789609665051103},{"text":"Yeah.","start":850.31,"end":850.63,"sentiment":"neutral","sentiment_score":0.007721034809947014},{"text":"Well, look, I've yeah.","start":850.63,"end":853.35004,"sentiment":"neutral","sentiment_score":-0.05791180394589901},{"text":"Over the whole, your portfolio has done really well.","start":853.35004,"end":856.25,"sentiment":"positive","sentiment_score":0.49415720502535504},{"text":"In the email, if you sort of have a look, over the past two years, you've had a net return of over 13.4%.","start":856.575,"end":863.155,"sentiment":"positive","sentiment_score":0.3569311603255894}],"sentiment":"neutral","sentiment_score":0.3254753594718328,"num_words":41,"start":839.445,"end":863.155},{"sentences":[{"text":"So that's actually pretty good.","start":863.215,"end":864.995,"sentiment":"positive","sentiment_score":0.5871426045894623},{"text":"You have gone you are up from where you were when you came on board, which is important to kind of note.","start":865.695,"end":870.835,"sentiment":"neutral","sentiment_score":0.1777573972940445},{"text":"However, with the volatility at the moment, it's affecting all the industries, all the classes, all everything.","start":871.375,"end":877.19,"sentiment":"neutral","sentiment_score":-0.2565053587450701},{"text":"So there's really kind of no getting around what's happening at the moment.","start":877.19,"end":880.33,"sentiment":"negative","sentiment_score":-0.3891784755083231},{"text":"And even if we are just buying and selling, we have to be careful.","start":880.55,"end":883.61,"sentiment":"neutral","sentiment_score":-0.27049549775464193}],"sentiment":"neutral","sentiment_score":-0.08958411951300124,"num_words":71,"start":863.215,"end":883.61},{"sentences":[{"text":"Whilst there may be investments that are performing better out there at the moment, if we just sell what we have now and buy into that for the short term, we're essentially day trading a super, which is dangerous because we're not able no one can tell where the top or the bottom of the market is.","start":883.83,"end":898.315,"sentiment":"negative","sentiment_score":-0.357050733608112},{"text":"No one knows what's going to happen, And super is supposed to be a long term investment.","start":898.315,"end":903.19995,"sentiment":"neutral","sentiment_score":-0.2641517195631476},{"text":"We're sitting here.","start":903.19995,"end":903.92,"sentiment":"neutral","sentiment_score":-0.11866513142983119},{"text":"We're investing in quality investments that have seen the ups and downs of volatility, have come back through those times and provide a greater growth because of it.","start":903.92,"end":912.57996,"sentiment":"neutral","sentiment_score":-0.06097979178386075},{"text":"If we see you know, if something happens and we see one investment might be down this week by that 10% and we sell out of that, you're cementing that loss.","start":912.95996,"end":921.435,"sentiment":"negative","sentiment_score":-0.4771040235796282}],"sentiment":"neutral","sentiment_score":-0.3065891569370733,"num_words":136,"start":883.83,"end":921.435},{"sentences":[{"text":"You have no way of making that back.","start":921.435,"end":923.435,"sentiment":"negative","sentiment_score":-0.59081169962883},{"text":"Whereas if we're down at the moment, we haven't sold any of the investment.","start":923.435,"end":927.21497,"sentiment":"neutral","sentiment_score":-0.31737171752112253},{"text":"Therefore, the investment has a chance to come back and recover.","start":927.27496,"end":930.175,"sentiment":"neutral","sentiment_score":-0.2161329077048735},{"text":"With the advice you and I discussed last time, we are looking to get rid of Benelon because Benelon hasn't been performing very well.","start":930.74,"end":937.39996,"sentiment":"neutral","sentiment_score":-0.33201683809359867},{"text":"My team have been doing the research to work out what we need to do.","start":937.62,"end":941.48,"sentiment":"neutral","sentiment_score":-0.1555064707994461}],"sentiment":"neutral","sentiment_score":-0.3034466778238614,"num_words":72,"start":921.435,"end":941.48},{"sentences":[{"text":"The last of the part was the admins have been trying to get an updated ARC statement from you, and they haven't been able to get a hold of you to get that.","start":941.7,"end":949.665,"sentiment":"neutral","sentiment_score":-0.11432810534130443},{"text":"Have you been able to obtain the statement there?","start":949.665,"end":953.425,"sentiment":"neutral","sentiment_score":-0.12120197465022405},{"text":"Because we need a regular statement to show the updated balance that we're working on factual information for the updated device, and that's kind of where the holdup is at the moment.","start":953.425,"end":962.67004,"sentiment":"neutral","sentiment_score":-0.17063814401626587},{"text":"Yep.","start":965.37006,"end":965.69,"sentiment":"neutral","sentiment_score":0.08301684260368347},{"text":"Beautiful.","start":965.69,"end":966.19,"sentiment":"positive","sentiment_score":0.3811416029930115}],"sentiment":"neutral","sentiment_score":-0.12973562382945888,"num_words":76,"start":941.7,"end":966.19},{"sentences":[{"text":"If you can, we can update the advice, and I can go through and show you what we're recommending to alter to change the so to change the portfolio.","start":966.41003,"end":973.39,"sentiment":"neutral","sentiment_score":0.18160521855642056},{"text":"But, again, it's just just an updated balance.","start":974.33,"end":978.365,"sentiment":"neutral","sentiment_score":-0.039517204742878675},{"text":"If you can log in to the portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you.","start":978.365,"end":993.66003,"sentiment":"neutral","sentiment_score":0.1583692935969809},{"text":"And then you get to decide whether you take that or not, whether you stay on board, or whether you wanna go back to ART.","start":994.04004,"end":999.5,"sentiment":"neutral","sentiment_score":0.04380651518702507},{"text":"Okay?","start":999.8,"end":1000.3,"sentiment":"neutral","sentiment_score":0.06019724160432816}],"sentiment":"neutral","sentiment_score":0.1263734946289092,"num_words":121,"start":966.41003,"end":1000.3},{"sentences":[{"text":"All good.","start":1002.29504,"end":1002.93506,"sentiment":"positive","sentiment_score":0.6523863077163696},{"text":"That's okay.","start":1002.93506,"end":1003.755,"sentiment":"positive","sentiment_score":0.3798832893371582},{"text":"With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment.","start":1003.97504,"end":1009.67505,"sentiment":"neutral","sentiment_score":0.01982775013893843},{"text":"Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat?","start":1009.815,"end":1015.195,"sentiment":"neutral","sentiment_score":-0.034827918543115906},{"text":"Yep.","start":1021.92,"end":1022.42,"sentiment":"neutral","sentiment_score":-0.08226906508207321}],"sentiment":"neutral","sentiment_score":0.03287047927733511,"num_words":48,"start":1002.29504,"end":1022.42},{"sentences":[{"text":"Yep.","start":1024.08,"end":1024.58,"sentiment":"neutral","sentiment_score":0.014695152640342712},{"text":"You can do that if you want to.","start":1035.2949,"end":1037.3949,"sentiment":"neutral","sentiment_score":0.0011548504699021578},{"text":"Essentially, what happens is when you request the rollover from ART, they'll request from Hub.","start":1037.5349,"end":1042.47,"sentiment":"neutral","sentiment_score":0.008086762297898531},{"text":"Hub will sell everything down to cash or make us sell everything down to cash.","start":1042.47,"end":1046.33,"sentiment":"neutral","sentiment_score":-0.0029304601252079015},{"text":"It will all roll back into ART.","start":1046.63,"end":1048.65,"sentiment":"neutral","sentiment_score":0.02598018491906779}],"sentiment":"neutral","sentiment_score":0.00615521268311726,"num_words":46,"start":1024.08,"end":1048.65},{"sentences":[{"text":"You just have to tell ART what you want to do.","start":1048.7899,"end":1051.19,"sentiment":"neutral","sentiment_score":0.02870244380425323},{"text":"If you want them to hold that in cash, they will hold it in cash.","start":1051.19,"end":1054.965,"sentiment":"neutral","sentiment_score":0.008829361324508985},{"text":"But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive.","start":1055.1849,"end":1064.005,"sentiment":"neutral","sentiment_score":0.02648383085615933},{"text":"Yeah.","start":1066.5599,"end":1066.88,"sentiment":"neutral","sentiment_score":0.06382560729980469},{"text":"Okay.","start":1066.88,"end":1067.38,"sentiment":"neutral","sentiment_score":0.08309085667133331}],"sentiment":"neutral","sentiment_score":0.024329955881351933,"num_words":68,"start":1048.7899,"end":1067.38},{"sentences":[{"text":"All good.","start":1068.24,"end":1068.98,"sentiment":"positive","sentiment_score":0.4650404155254364},{"text":"Yeah.","start":1071.36,"end":1071.6799,"sentiment":"positive","sentiment_score":0.3748767375946045},{"text":"If you can email me the statement, that'd be fabulous.","start":1071.6799,"end":1074.02,"sentiment":"positive","sentiment_score":0.5420919239521027},{"text":"From this point in time, I'll can I'll keep working on the advice for you, and we'll book it in for the next two weeks to have it presented.","start":1074.32,"end":1082.2151,"sentiment":"neutral","sentiment_score":0.2684665339003349},{"text":"Did you want to book in a time now with you to go through it in two weeks?","start":1082.915,"end":1087.015,"sentiment":"neutral","sentiment_score":0.056376808426446386}],"sentiment":"neutral","sentiment_score":0.2587698140492042,"num_words":60,"start":1068.24,"end":1087.015},{"sentences":[{"text":"Yeah.","start":1088.995,"end":1089.395,"sentiment":"neutral","sentiment_score":0.1795317828655243},{"text":"I've got the Thursday, April 16 available at about 09:00 Queensland, Oh, it's 09:00 everyone's time then.","start":1089.395,"end":1098.37,"sentiment":"neutral","sentiment_score":0.07696434110403061},{"text":"09:00.","start":1098.59,"end":1099.23,"sentiment":"neutral","sentiment_score":0.03832497447729111},{"text":"Would that be okay?","start":1099.23,"end":1100.21,"sentiment":"neutral","sentiment_score":0.10571413487195969},{"text":"Yeah.","start":1101.7899,"end":1102.19,"sentiment":"positive","sentiment_score":0.6452852487564087}],"sentiment":"neutral","sentiment_score":0.10809968101481597,"num_words":24,"start":1088.995,"end":1102.19},{"sentences":[{"text":"Beautiful.","start":1102.19,"end":1102.69,"sentiment":"positive","sentiment_score":0.7682915925979614},{"text":"If anything changes, let me know.","start":1102.91,"end":1104.35,"sentiment":"neutral","sentiment_score":0.2095948544641336},{"text":"I'll send you an email with the time and date on that one.","start":1104.35,"end":1107.1699,"sentiment":"neutral","sentiment_score":0.1899680094077037},{"text":"But in the meantime, you decide you wanna roll back, if you can just email me and let me know or just let me know.","start":1107.39,"end":1112.845,"sentiment":"neutral","sentiment_score":0.0707355274260044},{"text":"That way, you know, if anything changes, I can just stop looking at the advice side of things for you.","start":1112.845,"end":1117.585,"sentiment":"neutral","sentiment_score":0.06510154772549867}],"sentiment":"neutral","sentiment_score":0.11639790741296915,"num_words":65,"start":1102.19,"end":1117.585},{"sentences":[{"text":"But just let me know what you decide.","start":1118.525,"end":1120.385,"sentiment":"neutral","sentiment_score":0.07993936585262418},{"text":"Okay?","start":1120.525,"end":1121.025,"sentiment":"neutral","sentiment_score":0.10202549397945404},{"text":"That's okay, Paul.","start":1123.0808,"end":1124.2809,"sentiment":"positive","sentiment_score":0.5822355548540751},{"text":"Thanks for your time.","start":1124.2809,"end":1125.4208,"sentiment":"positive","sentiment_score":0.7740206718444824},{"text":"See you later.","start":1127.1609,"end":1127.9009,"sentiment":"neutral","sentiment_score":0.23795497665802637}],"sentiment":"neutral","sentiment_score":0.33148393172182533,"num_words":19,"start":1118.525,"end":1127.9009}]}}]},{"alternatives":[{"transcript":"Good. Thank you. Yourself? Yes. Yes. Correct. Yeah. Yes. I just wanna see our thing. It's not it doesn't seem like, it's it's traveling okay, but it's not traveling well. Like so when I if I sort of look back and I feel like if I would have left it in super and I would have just done my contributions after, like, nearly two years, I think it is or whatever, I'd still be at the I'd be at the same the same point financially. Yeah. Yep. Yeah. That's alright. Like, I was on the opinion that I'd I'd ship the money to hub twenty four and then that that investment would do the work for me. I didn't realize that I had to keep topping it up to make it work for me, which is, you know, like, if if I was yeah. Like, if I was to retire in in four or five years, which I'm planning to do, like, I wouldn't be putting money into it. So, like, can you see what I'm saying? Like, it's not really working. Like, it's not giving me anything back. So I'm actually working to make it work, if you understand what I'm saying. Like, it's like it's not it's not it's not working for me. Like, my money is not the investment's not working for me. I'm working for my investment. And it yeah. And that's that was the the opinion that I was putting that money across, investing it into shares and portfolios and stuff like that to make the money work for me, not me work for the money. Yeah. Yes. Yep. Okay. And if I was to get yeah. So if I was if I was to take it all back, what would I end up with taking back across? I don't believe I got it. Okay. Six six. Yep. And what was my balance? Sorry? Jeez. It's dropped heaps. Alright. It's come back heat. So yeah. Yeah. Yeah. Yep. Yep. Yes. Yeah. That's alright. We just yeah. It just seems in the last, I don't know, twelve months that we've gone back, you know, $60 sort of thing. So yeah. Yeah. Yep. Yeah. Yeah. That no. I was just I was just working it out, you know, like, in the last two years, if I would've just been doing as before I shipped it over, I would I would be ahead. Do you know what I mean? Not behind. And then yeah. And yeah. Yep. Yeah. Yeah. Like I said, I was just after something that, you know, I'm gonna put my money in there and it's gonna work for me instead of me trying to work for that, you know, that so I don't understand you gotta put money in, but it's not if I was to retire, there's not it's it's gotten I couldn't live you know what I mean? Like, he couldn't live off it because it's going backwards. Yep. Yeah. I'm not I'm not worried about it. I'm just like I've been what I just, you know, like, you watch the market because it's your money you're playing with, but, you know, you're like, you're selling to wake up one morning, the whole thing's freaking gone. You know what I mean? All that time and effort putting in. Yeah. That's that's alright. Yeah. I just but but you can understand where I'm coming from looking at the figures. And that's that's where, you know, you're gonna say you're saying, like, understand that you've got to, like, you know, you're not comfortable with it, but you just gotta you gotta look at the in the last two years, you know, like, when you when I was working it out, I would've been better off just putting money into the super side of it. You know what I mean? To where we are now. Yeah. No. I I keep bringing you because I'm just I'm watching my profile and it doesn't seem to be performing well. So that's why I just keep bringing you. I'm not I'm concerned that, you know, we're investing in stuff and it's not performing well and we're holding it too long and we're not investing in into stuff that's, you know and we're going backwards. That's why I keep keep in touch with you guys instead of just leaving it alone Because it's not we're going we seem to be going backwards. We're not, you know, we're not going forward. And it's been going back for a while and that's why I keep talking to you guys about it. So like and rather investing in the wrong wrong stuff or we're not watching that market or I'm not sure, but it just seems to be going backwards instead of going forward even before this volatility. Yeah. Sorry. Yep. Yep. No. Yeah. I'll I'll try and get that today. Sorry. Yeah. Is it an annual statement? Is it? Sorry. Annual statement? Yes. Yep. Yep. Okay. Alright. Well, thanks for that. No. I'm alright for now. I'm just trying to work out whether I just take it back, like, back across or not. Yeah. Because can you take it back in, like, a super would it be taken back over in in, like, placing investments back into super cash? If would it go back as that? Or yeah. Yep. Yeah. Okay. Okay. Alright. No worries. Thanks for that. And I'll just email you that letter. Yeah. That'd be good. Thanks. Yeah. That's perfect. Yep. Alright. Thanks for that. Alright. 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Thank you. Yourself? Yes. Yes.\n\nCorrect. Yeah. Yes. I just wanna see our thing. It's not it doesn't seem like, it's it's traveling okay, but it's not traveling well.\n\nLike so when I if I sort of look back and I feel like if I would have left it in super and I would have just done my contributions after, like, nearly two years, I think it is or whatever, I'd still be at the I'd be at the same the same point financially. Yeah. Yep. Yeah. That's alright.\n\nLike, I was on the opinion that I'd I'd ship the money to hub twenty four and then that that investment would do the work for me. I didn't realize that I had to keep topping it up to make it work for me, which is, you know, like, if if I was yeah. Like, if I was to retire in in four or five years, which I'm planning to do, like, I wouldn't be putting money into it. So, like, can you see what I'm saying? Like, it's not really working.\n\nLike, it's not giving me anything back. So I'm actually working to make it work, if you understand what I'm saying. Like, it's like it's not it's not it's not working for me. Like, my money is not the investment's not working for me. I'm working for my investment.\n\nAnd it yeah. And that's that was the the opinion that I was putting that money across, investing it into shares and portfolios and stuff like that to make the money work for me, not me work for the money. Yeah. Yes. Yep.\n\nOkay. And if I was to get yeah. So if I was if I was to take it all back, what would I end up with taking back across? I don't believe I got it. Okay.\n\nSix six. Yep. And what was my balance? Sorry? Jeez.\n\nIt's dropped heaps. Alright. It's come back heat. So yeah. Yeah.\n\nYeah. Yep. Yep. Yes. Yeah.\n\nThat's alright. We just yeah. It just seems in the last, I don't know, twelve months that we've gone back, you know, $60 sort of thing. So yeah. Yeah.\n\nYep. Yeah. Yeah. That no. I was just I was just working it out, you know, like, in the last two years, if I would've just been doing as before I shipped it over, I would I would be ahead.\n\nDo you know what I mean? Not behind. And then yeah. And yeah. Yep.\n\nYeah. Yeah. Like I said, I was just after something that, you know, I'm gonna put my money in there and it's gonna work for me instead of me trying to work for that, you know, that so I don't understand you gotta put money in, but it's not if I was to retire, there's not it's it's gotten I couldn't live you know what I mean? Like, he couldn't live off it because it's going backwards. Yep.\n\nYeah. I'm not I'm not worried about it. I'm just like I've been what I just, you know, like, you watch the market because it's your money you're playing with, but, you know, you're like, you're selling to wake up one morning, the whole thing's freaking gone. You know what I mean? All that time and effort putting in.\n\nYeah. That's that's alright. Yeah. I just but but you can understand where I'm coming from looking at the figures. And that's that's where, you know, you're gonna say you're saying, like, understand that you've got to, like, you know, you're not comfortable with it, but you just gotta you gotta look at the in the last two years, you know, like, when you when I was working it out, I would've been better off just putting money into the super side of it.\n\nYou know what I mean? To where we are now. Yeah. No. I I keep bringing you because I'm just I'm watching my profile and it doesn't seem to be performing well.\n\nSo that's why I just keep bringing you. I'm not I'm concerned that, you know, we're investing in stuff and it's not performing well and we're holding it too long and we're not investing in into stuff that's, you know and we're going backwards. That's why I keep keep in touch with you guys instead of just leaving it alone Because it's not we're going we seem to be going backwards. We're not, you know, we're not going forward. And it's been going back for a while and that's why I keep talking to you guys about it.\n\nSo like and rather investing in the wrong wrong stuff or we're not watching that market or I'm not sure, but it just seems to be going backwards instead of going forward even before this volatility. Yeah. Sorry. Yep. Yep.\n\nNo. Yeah. I'll I'll try and get that today. Sorry. Yeah.\n\nIs it an annual statement? Is it? Sorry. Annual statement? Yes.\n\nYep. Yep. Okay. Alright. Well, thanks for that.\n\nNo. I'm alright for now. I'm just trying to work out whether I just take it back, like, back across or not. Yeah. Because can you take it back in, like, a super would it be taken back over in in, like, placing investments back into super cash?\n\nIf would it go back as that? Or yeah. Yep. Yeah. Okay.\n\nOkay. Alright. No worries. Thanks for that. And I'll just email you that letter.\n\nYeah. That'd be good. Thanks. Yeah. That's perfect.\n\nYep. Alright. Thanks for that. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":4.08,"end":4.24,"sentiment":"positive","sentiment_score":0.6250882148742676},{"text":"Thank 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saying?","start":156.19499,"end":158.275,"sentiment":"neutral","sentiment_score":-0.07354526501148939},{"text":"Like, it's not really working.","start":158.275,"end":159.575,"sentiment":"neutral","sentiment_score":-0.19169164299964905}],"sentiment":"neutral","sentiment_score":0.04073997465488703,"num_words":92,"start":133.015,"end":159.575},{"sentences":[{"text":"Like, it's not giving me anything back.","start":159.635,"end":162.75499,"sentiment":"neutral","sentiment_score":-0.2768483906984329},{"text":"So I'm actually working to make it work, if you understand what I'm saying.","start":162.75499,"end":167.95499,"sentiment":"neutral","sentiment_score":0.10734984717730965},{"text":"Like, it's like it's not it's not it's not working for me.","start":167.95499,"end":171.18,"sentiment":"neutral","sentiment_score":-0.26727709484597045},{"text":"Like, my money is not the investment's not working for me.","start":171.18,"end":174.29999,"sentiment":"neutral","sentiment_score":-0.22980616173960947},{"text":"I'm working for my investment.","start":174.29999,"end":175.92,"sentiment":"neutral","sentiment_score":0.05241579357534647}],"sentiment":"neutral","sentiment_score":-0.12057458824116965,"num_words":49,"start":159.635,"end":175.92},{"sentences":[{"text":"And it yeah.","start":176.21999,"end":177.81999,"sentiment":"neutral","sentiment_score":0.07576761146386464},{"text":"And that's that was the the opinion that I was putting that money across, investing it into shares and portfolios and stuff like that to make the money work for me, not me work for the money.","start":177.81999,"end":188.345,"sentiment":"neutral","sentiment_score":0.2556398119274023},{"text":"Yeah.","start":191.60501,"end":192.10501,"sentiment":"neutral","sentiment_score":-0.01922212354838848},{"text":"Yes.","start":268.22998,"end":268.72998,"sentiment":"neutral","sentiment_score":0.051406241953372955},{"text":"Yep.","start":379.68,"end":380.18,"sentiment":"neutral","sentiment_score":0.030627449974417686}],"sentiment":"neutral","sentiment_score":0.22671598707174145,"num_words":43,"start":176.21999,"end":380.18},{"sentences":[{"text":"Okay.","start":380.56,"end":381.06,"sentiment":"neutral","sentiment_score":0.03758987784385681},{"text":"And if I was to get yeah.","start":381.36,"end":383.94,"sentiment":"neutral","sentiment_score":-0.01032741101724761},{"text":"So if I was if I was to take it all back, what would I end up with taking back across?","start":384.0,"end":389.11502,"sentiment":"neutral","sentiment_score":-0.08852494188717433},{"text":"I don't believe I got it.","start":396.05502,"end":397.67502,"sentiment":"neutral","sentiment_score":-0.22912809252738953},{"text":"Okay.","start":404.29,"end":404.79,"sentiment":"neutral","sentiment_score":0.0004920298233628273}],"sentiment":"neutral","sentiment_score":-0.09077784178468089,"num_words":36,"start":380.56,"end":404.79},{"sentences":[{"text":"Six six.","start":416.175,"end":417.07498,"sentiment":"neutral","sentiment_score":-0.0732613168656826},{"text":"Yep.","start":424.895,"end":425.395,"sentiment":"neutral","sentiment_score":0.006704527884721756},{"text":"And what was my balance?","start":425.695,"end":426.96,"sentiment":"neutral","sentiment_score":-0.0062318647280335425},{"text":"Sorry?","start":427.36,"end":427.86,"sentiment":"neutral","sentiment_score":-0.02551129460334778},{"text":"Jeez.","start":439.59998,"end":440.09998,"sentiment":"neutral","sentiment_score":-0.05783301591873169}],"sentiment":"neutral","sentiment_score":-0.02543217400088906,"num_words":10,"start":416.175,"end":440.09998},{"sentences":[{"text":"It's dropped heaps.","start":440.31998,"end":441.105,"sentiment":"neutral","sentiment_score":-0.1449829787015915},{"text":"Alright.","start":445.825,"end":446.225,"sentiment":"neutral","sentiment_score":-0.006284651812165976},{"text":"It's come back heat.","start":446.225,"end":447.265,"sentiment":"neutral","sentiment_score":-0.01694556907750666},{"text":"So yeah.","start":447.265,"end":449.045,"sentiment":"neutral","sentiment_score":-0.015440921299159527},{"text":"Yeah.","start":454.225,"end":454.725,"sentiment":"neutral","sentiment_score":-0.06853524595499039}],"sentiment":"neutral","sentiment_score":-0.05531208661638878,"num_words":11,"start":440.31998,"end":454.725},{"sentences":[{"text":"Yeah.","start":458.53,"end":459.03,"sentiment":"neutral","sentiment_score":-0.06032539904117584},{"text":"Yep.","start":481.145,"end":481.645,"sentiment":"neutral","sentiment_score":-0.04303200542926788},{"text":"Yep.","start":482.66498,"end":483.16498,"sentiment":"neutral","sentiment_score":-0.009578762575984},{"text":"Yes.","start":495.54,"end":496.04,"sentiment":"neutral","sentiment_score":0.1280020922422409},{"text":"Yeah.","start":507.435,"end":507.755,"sentiment":"neutral","sentiment_score":0.1694050133228302}],"sentiment":"neutral","sentiment_score":0.036894187703728674,"num_words":5,"start":458.53,"end":507.755},{"sentences":[{"text":"That's alright.","start":507.755,"end":508.395,"sentiment":"neutral","sentiment_score":0.1663675308227539},{"text":"We just yeah.","start":508.395,"end":509.66998,"sentiment":"neutral","sentiment_score":0.08078776548306148},{"text":"It just seems in the last, I don't know, twelve months that we've gone back, you know, $60 sort of thing.","start":509.66998,"end":515.69,"sentiment":"neutral","sentiment_score":-0.13376274740412122},{"text":"So yeah.","start":516.47,"end":519.38,"sentiment":"neutral","sentiment_score":-0.1786588840186596},{"text":"Yeah.","start":561.615,"end":562.115,"sentiment":"neutral","sentiment_score":-0.2744414210319519}],"sentiment":"neutral","sentiment_score":-0.09881650091245256,"num_words":29,"start":507.755,"end":562.115},{"sentences":[{"text":"Yep.","start":587.585,"end":588.085,"sentiment":"neutral","sentiment_score":-0.007551304996013641},{"text":"Yeah.","start":601.29004,"end":601.69,"sentiment":"neutral","sentiment_score":-0.06016097217798233},{"text":"Yeah.","start":601.69,"end":602.09,"sentiment":"neutral","sentiment_score":-0.05180126428604126},{"text":"That no.","start":602.09,"end":602.49,"sentiment":"neutral","sentiment_score":-0.12212183699011803},{"text":"I was just I was just working it out, you know, like, in the last two years, if I would've just been doing as before I shipped it over, I would I would be ahead.","start":602.49,"end":610.365,"sentiment":"neutral","sentiment_score":-0.07889268717595509}],"sentiment":"neutral","sentiment_score":-0.07812503166496754,"num_words":40,"start":587.585,"end":610.365},{"sentences":[{"text":"Do you know what I mean?","start":610.665,"end":611.465,"sentiment":"neutral","sentiment_score":-0.11721509819229443},{"text":"Not behind.","start":611.465,"end":612.125,"sentiment":"neutral","sentiment_score":-0.17108944803476334},{"text":"And then yeah.","start":612.505,"end":614.265,"sentiment":"neutral","sentiment_score":-0.10288326690594356},{"text":"And yeah.","start":614.265,"end":616.125,"sentiment":"neutral","sentiment_score":-0.0011266209185123444},{"text":"Yep.","start":631.25,"end":631.75,"sentiment":"neutral","sentiment_score":0.08571876585483551}],"sentiment":"neutral","sentiment_score":-0.09076098299452237,"num_words":14,"start":610.665,"end":631.75},{"sentences":[{"text":"Yeah.","start":639.54504,"end":639.705,"sentiment":"neutral","sentiment_score":0.13708370923995972},{"text":"Yeah.","start":639.705,"end":639.945,"sentiment":"neutral","sentiment_score":0.1110393851995468},{"text":"Like I said, I was just after something that, you know, I'm gonna put my money in there and it's gonna work for me instead of me trying to work for that, you know, that so I don't understand you gotta put money in, but it's not if I was to retire, there's not it's it's gotten I couldn't live you know what I mean?","start":639.945,"end":655.065,"sentiment":"neutral","sentiment_score":-0.03993039056658745},{"text":"Like, he couldn't live off it because it's going backwards.","start":655.065,"end":657.63,"sentiment":"neutral","sentiment_score":-0.2398622751235962},{"text":"Yep.","start":671.215,"end":671.715,"sentiment":"neutral","sentiment_score":0.07777894288301468}],"sentiment":"neutral","sentiment_score":-0.05984866795822596,"num_words":78,"start":639.54504,"end":671.715},{"sentences":[{"text":"Yeah.","start":724.165,"end":724.485,"sentiment":"neutral","sentiment_score":0.09908459335565568},{"text":"I'm not I'm not worried about it.","start":724.485,"end":726.005,"sentiment":"neutral","sentiment_score":0.014407710305282049},{"text":"I'm just like I've been what I just, you know, like, you watch the market because it's your money you're playing with, but, you know, you're like, you're selling to wake up one morning, the whole thing's freaking gone.","start":726.005,"end":734.88,"sentiment":"neutral","sentiment_score":-0.10939018418773627},{"text":"You know what I mean?","start":734.88,"end":739.745,"sentiment":"neutral","sentiment_score":-0.016277973912656306},{"text":"All that time and effort putting in.","start":740.33624,"end":747.3837,"sentiment":"neutral","sentiment_score":-0.03903674014977047}],"sentiment":"neutral","sentiment_score":-0.07493094353289423,"num_words":59,"start":724.165,"end":747.3837},{"sentences":[{"text":"Yeah.","start":771.65,"end":771.89,"sentiment":"neutral","sentiment_score":0.0010783597826957705},{"text":"That's that's alright.","start":771.89,"end":772.85004,"sentiment":"neutral","sentiment_score":-0.020246217182526987},{"text":"Yeah.","start":772.85004,"end":773.25,"sentiment":"neutral","sentiment_score":-0.011634016409516336},{"text":"I just but but you can understand where I'm coming from looking at the figures.","start":773.25,"end":777.915,"sentiment":"neutral","sentiment_score":-0.04607903646926085},{"text":"And that's that's where, you know, you're gonna say you're saying, like, understand that you've got to, like, you know, you're not comfortable with it, but you just gotta you gotta look at the in the last two years, you know, like, when you when I was working it out, I would've been better off just putting money into the super side of it.","start":777.915,"end":794.44,"sentiment":"neutral","sentiment_score":-0.17534093256108463}],"sentiment":"neutral","sentiment_score":-0.14267023260860393,"num_words":84,"start":771.65,"end":794.44},{"sentences":[{"text":"You know what I mean?","start":794.44,"end":795.08,"sentiment":"neutral","sentiment_score":-0.060314758121967314},{"text":"To where we are now.","start":795.08,"end":796.30005,"sentiment":"neutral","sentiment_score":0.0012384623289108277},{"text":"Yeah.","start":796.84,"end":797.34,"sentiment":"neutral","sentiment_score":0.10838364064693452},{"text":"No.","start":806.38495,"end":806.625,"sentiment":"neutral","sentiment_score":-0.19828422367572784},{"text":"I I keep bringing you because I'm just I'm watching my profile and it doesn't seem to be performing well.","start":806.625,"end":812.305,"sentiment":"neutral","sentiment_score":-0.22685393281280994}],"sentiment":"neutral","sentiment_score":-0.15382377244532108,"num_words":32,"start":794.44,"end":812.305},{"sentences":[{"text":"So that's why I just keep bringing you.","start":812.305,"end":813.90497,"sentiment":"neutral","sentiment_score":-0.0510986209847033},{"text":"I'm not I'm concerned that, you know, we're investing in stuff and it's not performing well and we're holding it too long and we're not investing in into stuff that's, you know and we're going backwards.","start":813.90497,"end":825.05,"sentiment":"neutral","sentiment_score":-0.31124667243825066},{"text":"That's why I keep keep in touch with you guys instead of just leaving it alone Because it's not we're going we seem to be going backwards.","start":825.11,"end":832.26495,"sentiment":"neutral","sentiment_score":-0.07874427863431198},{"text":"We're not, you know, we're not going forward.","start":832.26495,"end":834.105,"sentiment":"neutral","sentiment_score":-0.3239392600953579},{"text":"And it's been going back for a while and that's why I keep talking to you guys about it.","start":834.105,"end":839.70496,"sentiment":"neutral","sentiment_score":-0.05888012384897784}],"sentiment":"neutral","sentiment_score":-0.17806123604769913,"num_words":98,"start":812.305,"end":839.70496},{"sentences":[{"text":"So like and rather investing in the wrong wrong stuff or we're not watching that market or I'm not sure, but it just seems to be going backwards instead of going forward even before this volatility.","start":839.70496,"end":851.88,"sentiment":"neutral","sentiment_score":-0.05336372430125872},{"text":"Yeah.","start":852.10004,"end":852.34,"sentiment":"neutral","sentiment_score":-0.06342763453722},{"text":"Sorry.","start":852.34,"end":852.84,"sentiment":"neutral","sentiment_score":-0.0416959747672081},{"text":"Yep.","start":865.50494,"end":866.00494,"sentiment":"neutral","sentiment_score":0.23860220611095428},{"text":"Yep.","start":923.715,"end":924.18,"sentiment":"neutral","sentiment_score":-0.0947868824005127}],"sentiment":"neutral","sentiment_score":-0.047060059010982515,"num_words":40,"start":839.70496,"end":924.18},{"sentences":[{"text":"No.","start":950.94995,"end":951.44995,"sentiment":"neutral","sentiment_score":-0.15086595714092255},{"text":"Yeah.","start":960.23,"end":960.73,"sentiment":"neutral","sentiment_score":-0.0675249844789505},{"text":"I'll I'll try and get that today.","start":963.43,"end":964.88995,"sentiment":"neutral","sentiment_score":-0.06443497006382261},{"text":"Sorry.","start":965.19,"end":965.69,"sentiment":"neutral","sentiment_score":-0.03136957436800003},{"text":"Yeah.","start":973.755,"end":974.155,"sentiment":"neutral","sentiment_score":0.019319865852594376}],"sentiment":"neutral","sentiment_score":-0.06195322187109427,"num_words":11,"start":950.94995,"end":974.155},{"sentences":[{"text":"Is it an annual statement?","start":974.155,"end":975.435,"sentiment":"neutral","sentiment_score":-0.020110080391168593},{"text":"Is it?","start":975.435,"end":975.755,"sentiment":"neutral","sentiment_score":-0.030351625755429268},{"text":"Sorry.","start":975.755,"end":976.075,"sentiment":"neutral","sentiment_score":-0.04819076508283615},{"text":"Annual statement?","start":976.075,"end":976.97504,"sentiment":"neutral","sentiment_score":-0.039998043328523636},{"text":"Yes.","start":979.435,"end":979.68,"sentiment":"neutral","sentiment_score":-0.052725899964571}],"sentiment":"neutral","sentiment_score":-0.031106036833741448,"num_words":11,"start":974.155,"end":979.68},{"sentences":[{"text":"Yep.","start":993.92,"end":994.42,"sentiment":"neutral","sentiment_score":0.08629286289215088},{"text":"Yep.","start":1000.26495,"end":1000.745,"sentiment":"neutral","sentiment_score":0.07016962021589279},{"text":"Okay.","start":1000.745,"end":1001.225,"sentiment":"neutral","sentiment_score":0.11739985644817352},{"text":"Alright.","start":1001.225,"end":1001.545,"sentiment":"neutral","sentiment_score":0.25777101516723633},{"text":"Well, thanks for that.","start":1001.545,"end":1002.685,"sentiment":"positive","sentiment_score":0.6555509343743324}],"sentiment":"positive","sentiment_score":0.3942296365275979,"num_words":8,"start":993.92,"end":1002.685},{"sentences":[{"text":"No.","start":1016.27,"end":1016.77,"sentiment":"neutral","sentiment_score":-0.20544271171092987},{"text":"I'm alright for now.","start":1016.83,"end":1017.71,"sentiment":"neutral","sentiment_score":-0.16370951011776924},{"text":"I'm just trying to work out whether I just take it back, like, back across or not.","start":1017.71,"end":1023.15,"sentiment":"neutral","sentiment_score":-0.11529598560403376},{"text":"Yeah.","start":1023.15,"end":1023.615,"sentiment":"neutral","sentiment_score":0.006949607282876968},{"text":"Because can you take it back in, like, a super would it be taken back over in in, like, placing investments back into super cash?","start":1023.695,"end":1033.135,"sentiment":"neutral","sentiment_score":-0.01538757175207138}],"sentiment":"neutral","sentiment_score":-0.06662608737436433,"num_words":48,"start":1016.27,"end":1033.135},{"sentences":[{"text":"If would it go back as that?","start":1033.135,"end":1034.655,"sentiment":"neutral","sentiment_score":-0.01689021023256438},{"text":"Or yeah.","start":1034.655,"end":1045.33,"sentiment":"neutral","sentiment_score":0.004044491797685623},{"text":"Yep.","start":1050.155,"end":1050.655,"sentiment":"neutral","sentiment_score":0.02758491411805153},{"text":"Yeah.","start":1063.9149,"end":1064.4149,"sentiment":"neutral","sentiment_score":0.04646134749054909},{"text":"Okay.","start":1064.7949,"end":1065.2949,"sentiment":"neutral","sentiment_score":0.06105414405465126}],"sentiment":"neutral","sentiment_score":0.0020798264692227044,"num_words":12,"start":1033.135,"end":1065.2949},{"sentences":[{"text":"Okay.","start":1067.11,"end":1067.59,"sentiment":"neutral","sentiment_score":0.11354108154773712},{"text":"Alright.","start":1067.59,"end":1067.99,"sentiment":"neutral","sentiment_score":0.1700941026210785},{"text":"No worries.","start":1067.99,"end":1068.47,"sentiment":"neutral","sentiment_score":0.24478580057621002},{"text":"Thanks for that.","start":1068.47,"end":1068.87,"sentiment":"positive","sentiment_score":0.5612722039222717},{"text":"And I'll just email you that letter.","start":1068.87,"end":1070.97,"sentiment":"neutral","sentiment_score":0.28698282156671795}],"sentiment":"neutral","sentiment_score":0.31899308200393406,"num_words":14,"start":1067.11,"end":1070.97},{"sentences":[{"text":"Yeah.","start":1087.285,"end":1087.6051,"sentiment":"positive","sentiment_score":0.3371429443359375},{"text":"That'd be good.","start":1087.6051,"end":1088.165,"sentiment":"positive","sentiment_score":0.6594825188318888},{"text":"Thanks.","start":1088.165,"end":1088.665,"sentiment":"positive","sentiment_score":0.6510549783706665},{"text":"Yeah.","start":1100.37,"end":1100.61,"sentiment":"positive","sentiment_score":0.37630850076675415},{"text":"That's perfect.","start":1100.61,"end":1101.35,"sentiment":"positive","sentiment_score":0.7641323208808899}],"sentiment":"positive","sentiment_score":0.6089023277163506,"num_words":8,"start":1087.285,"end":1101.35},{"sentences":[{"text":"Yep.","start":1117.9349,"end":1118.4349,"sentiment":"neutral","sentiment_score":0.11728030443191528},{"text":"Alright.","start":1121.455,"end":1121.855,"sentiment":"positive","sentiment_score":0.3496014475822449},{"text":"Thanks for that.","start":1121.855,"end":1122.741,"sentiment":"positive","sentiment_score":0.7449448506037394},{"text":"Alright.","start":1125.861,"end":1126.341,"sentiment":"positive","sentiment_score":0.4337844252586365},{"text":"Bye.","start":1126.341,"end":1126.841,"sentiment":"positive","sentiment_score":0.365862250328064}],"sentiment":"positive","sentiment_score":0.5001947113445827,"num_words":7,"start":1117.9349,"end":1126.841}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Paul. This is Dana. How are you?\n\nChannel 1: Good. Thank you. Yourself?\n\nChannel 0: I'm very well. Thank you. Jack, how you booked in this morning for a bit of a catch up there? I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything. Am I on the track with that at the moment?\n\nWhat's been\n\nChannel 1: Yes.\n\nChannel 0: going on?\n\nChannel 1: Yes. Correct. Yeah. Yes. I just\n\nChannel 0: Yeah.\n\nChannel 1: wanna see our thing. It's not it doesn't seem like, it's it's traveling okay, but it's not traveling well. Like\n\nChannel 0: Yeah. Mhmm.\n\nChannel 1: so when I if I sort of look back and I feel like if I would have left it in super and I would\n\nChannel 0: Mhmm.\n\nChannel 1: have just done my contributions after, like, nearly two years, I think it is or whatever, I'd still be at the I'd be at the same the same point financially.\n\nChannel 0: Yes and no. Realistically, what's happening in the market generally, it feels like it's affecting your Hub twenty four super a lot more than your Australian than your AARP fund because you have more money sitting in this fund, and there's no contributions going into hub twenty four at the moment. Because your contributions are going into ART, they're being bought into those investments. It's been dollar cost averaged in on a regular basis, which means your ART fund is getting more of an advantage of that. And because your balance is lower over there, you're not feeling the ups and downs as drastically as what you are over this side of things.\n\nNot having\n\nChannel 1: Yeah.\n\nChannel 0: contributions there means you're only sort of waiting to see what the market does in portfolio, and you have a higher balance here in Hub twenty four. So you are gonna feel those ups and downs a lot more drastically. We have been doing the research to get the advice updated for you, but it's still gonna be the same effect. If we're not able to put money into Hub twenty four and we have to rely on transferring funds out of ART on, you know, a regular basis or once a year. It's still gonna be the same thing.\n\nYou are still gonna feel the effect in Hub twenty four a lot greater than any other fund at the moment. But if you were to move everything back to ARC, which you absolutely can if you want to, there's nothing wrong with that. If you don't feel, you know, happy with where you are, you you're not held here in any way, shape, or form.\n\nChannel 1: Yep.\n\nChannel 0: The same thing, you are gonna feel those ups and downs within that fund as well. It's it's the difference of the contributions going in there, but it's gotta be your comfort level as well. Okay?\n\nChannel 1: Yeah. That's alright. Like, I was on the opinion that I'd I'd ship the money to hub twenty four and then that that investment would do the work for me. I didn't realize that I had to keep topping it up to make it work for me, which is,\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: In\n\nChannel 1: know,\n\nChannel 0: the\n\nChannel 1: like,\n\nChannel 0: investment\n\nChannel 1: if if I\n\nChannel 0: portfolio\n\nChannel 1: was\n\nChannel 0: is gonna do so much.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Like, if I was to retire in in four or five years, which I'm planning to do, like, I wouldn't be putting money into it. So, like, can you see what I'm saying? Like, it's not really\n\nChannel 0: Yeah.\n\nChannel 1: working. Like, it's not giving me anything back. So I'm actually working to make it work, if you understand what I'm\n\nChannel 0: Yeah.\n\nChannel 1: saying. Like,\n\nChannel 0: No. I\n\nChannel 1: it's\n\nChannel 0: understand\n\nChannel 1: like it's not\n\nChannel 0: that.\n\nChannel 1: it's not it's\n\nChannel 0: Yeah.\n\nChannel 1: not working for me. Like,\n\nChannel 0: No.\n\nChannel 1: my money\n\nChannel 0: That's\n\nChannel 1: is\n\nChannel 0: okay.\n\nChannel 1: not the investment's\n\nChannel 0: Yeah.\n\nChannel 1: not working for me. I'm working\n\nChannel 0: Yeah.\n\nChannel 1: for my investment. And it\n\nChannel 0: Yeah. Of course.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And that's that was the the opinion that I was putting that money across, investing it into shares and portfolios and stuff like that to make the money work for me, not me work for the money.\n\nChannel 0: And and it does over time, but a\n\nChannel 1: Yeah.\n\nChannel 0: portfolio can only do so much. If the market as a whole is moving down and funds are being sold out, a lot of what you see in the market at the moment is people being nervous, and it's not institutional investors buying and selling a lot of things. You know, in institutional investors are staying invested and putting more money into the dips. They know how to buy in this quality investments. But what it is is retail investors making decisions on being nervous about the oil prices, about what's happening with fuel, about the war, about high inflation still happening, the interest rates increasing because the job market is still really good.\n\nSo it's it's people, mom and dad investors, and retail investors that are making these emotional decisions to sell out of the market because they're nervous of what's happening, and that's causing an onflow and an onflow effect of everything else. At the same time, as I said, you're not held here. If you wanna go back to ART and have your money there, it's absolutely fine. You just need to give them a call, and they can organize the they can organize the rollout. They'll request it from Hub and roll the funds over.\n\nIt does take time to sell out of all the investments. So, I mean, we can get things done as quickly as possible, but it does take time to sell all the investments down and have the rollover completed. So if it's something you're wanting to do, doing it sooner rather than later is really important to do.\n\nChannel 1: Yes.\n\nChannel 0: One the but as I said, investment portfolios can only work as hard as the market is, and then we always wanna make contributions into investments, whether it's in super or in your own name. Contributions make a difference because your dollar cost averaging and adding money into those investment markets, which does help to for the compounding effect. So investments will never work a 100% on their own. They always require some sort of assistance, whether it be putting smaller amounts of money in on a regular basis or a bit of money over the course of the year as well. And that's how the compounding effect works.\n\nOtherwise, you're just relying on income that's being produced out and reinvested in. Income tends to be a lot lower than growth does because growth is where you see a lot more higher risk investments as in things like international shares, Australian shares. Gold is a really good growth investment but doesn't produce any income. You're sort of looking at the growth aspect only. And when markets have a pullback like what they're seeing at the moment, having a bigger balance has a greater effect.\n\nIf you think about someone with $50,000, a 5% return is much smaller than someone with a $500,000 balance. So you are gonna feel that more within hub twenty four than you are in ART. Combining them would be the better option to do, but we had to keep them separate because you wanted to keep your insurances within the ART fund there. So I think moving forward, it's just about your comfort level and what you're comfortable with and what you're gonna be comfortable with down the track because you are closer to it. I would be very mindful of maybe mentioning that if you go back to ART, which is fine, maybe reevaluate the investments that are in there because you were in more of a high growth investment in there, and moving everything back into one place with a higher balance, you're fluctuations.\n\nSo maybe just reevaluate the level of risk you're taking within that fund there down the track. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Does\n\nChannel 1: if I\n\nChannel 0: that\n\nChannel 1: was\n\nChannel 0: help\n\nChannel 1: to get\n\nChannel 0: a little bit?\n\nChannel 1: yeah. So if I was if I was to take it all back, what would\n\nChannel 0: Mhmm.\n\nChannel 1: I end up with taking back across?\n\nChannel 0: Well, with I in the email I sent you yesterday, it looks like you've seen it. Did you read through that email at all?\n\nChannel 1: I don't believe I got it.\n\nChannel 0: No? I maybe it was money that had a look at it. I sent it through to you yesterday. It looks like it has been viewed. But in\n\nChannel 1: Okay.\n\nChannel 0: the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5¢. So that's\n\nChannel 1: Six\n\nChannel 0: the\n\nChannel 1: six.\n\nChannel 0: estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance.\n\nChannel 1: Yep. And what\n\nChannel 0: Yeah.\n\nChannel 1: was my balance? Sorry?\n\nChannel 0: The balance in the fund at the moment, I've got that here in front of me for you. It is currently 401,034.\n\nChannel 1: Jeez. It's dropped heaps. Alright. It's come\n\nChannel 0: So\n\nChannel 1: back heat.\n\nChannel 0: this\n\nChannel 1: So yeah.\n\nChannel 0: yeah. And look look, this is just a pullback. You haven't lost any of that money because you haven't sold anything. The rolling\n\nChannel 1: Yeah.\n\nChannel 0: back means you will be cementing the losses. There will be the CDT effect,\n\nChannel 1: Yeah.\n\nChannel 0: but it's gotta be your comfort level at the same time. I can't tell you what to do. That, unfortunately, has to be a decision that you're comfortable making. So, yeah, just think about what you wanna do. If you are wanting to, you know, roll back, just call ART, get them to submit the rollover request.\n\nIf you need anything from me to do that, absolutely fine. Let me know. I'll certainly give you a hand. I am\n\nChannel 1: Yep.\n\nChannel 0: away next week.\n\nChannel 1: Yep.\n\nChannel 0: But if you can let me know kinda today or tomorrow if there's anything that you need to help you with that, that's absolutely fine. I know this is something that's been on your mind for the past couple of months, and you're kind kind of been working at what to do moving forward. So I\n\nChannel 1: Yes.\n\nChannel 0: just wanted to have this conversation with you and be honest with you as well because I don't want you to be not comfortable with the decision that you've got. So if you're not happy, you are welcome to roll back. That's not an issue. Okay?\n\nChannel 1: Yeah. That's alright. We just yeah. It just seems in the last, I don't know, twelve months that we've gone back, you know, $60 sort of thing.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: The markets have have had a really volatile\n\nChannel 1: yeah.\n\nChannel 0: time, and they are going to. And it's moving forward, there is gonna be a lot more volatility. There are different things that I look at to show what the volatility is. One is the VIX index if you've ever looked at that, but that shows you, essentially attracts the volatility in the market. And when it's up over 20%, you can kind of expect over the next thirty days that we're gonna see quite heavy market volatility.\n\nWhen the VIX index is under 20%, then you can kind of expect more of a steady market. But with the balance you have plus being in more of a high growth environment, you are taking more risk. You've got a higher balance, so you are gonna feel those market fluctuations. Combining that with not making any additional contributions into hub twenty four means that\n\nChannel 1: Yeah.\n\nChannel 0: you are gonna feel that more drastically, and that's what's making you very nervous. So we either have to look at reducing the risk level, making more contributions, or putting you back into something that's gonna keep your comfort level there. But moving back into ART, if you stay in that high growth environment with the balance, even with the contributions going in, with the kind of volatility we are seeing at the moment, you will still feel it. So I wanna be really honest with you. You will\n\nChannel 1: Yep.\n\nChannel 0: still notice those ups and downs because you have everything in that one place. It'll be a higher balance. So it doesn't matter where your money is located. Investing it is always gonna come with risk, and you are gonna feel those ups and downs as your balance increases. Okay?\n\nChannel 1: Yeah. Yeah. That no. I was just I was just working it out, you know, like, in the last two years, if I would've just been doing as before I shipped it over, I would I would be ahead. Do you know what I mean?\n\nNot behind. And\n\nChannel 0: You\n\nChannel 1: then\n\nChannel 0: could be. I can't\n\nChannel 1: yeah.\n\nChannel 0: really\n\nChannel 1: And\n\nChannel 0: say for sure because\n\nChannel 1: yeah.\n\nChannel 0: the markets if you left everything in ART, the with the same sort of volatility we have or haven't seen, I really can't predict where you would have actually been, whether you would be in front or not. We can we're kinda using past status to sort of assume.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, I think I think it's just better to sort of work out where you're comfortable with what you're after and, you know, how you want to proceed moving forward, essentially.\n\nChannel 1: Yeah. Yeah. Like I said, I was just after something that, you know, I'm gonna put my money in there and it's gonna work for me instead of\n\nChannel 0: Yeah.\n\nChannel 1: me trying to work for that, you know, that so I don't understand you gotta put money in, but it's not if I was to retire, there's not it's it's gotten I couldn't live you know what I mean? Like, he couldn't live off it because it's going backwards.\n\nChannel 0: No. Well, the the other thing is when you're in your time and unless and if you're gonna take all of your money out all at once, then it's more of a concern. But even in retirement, you still have longevity to sort of consider. So you're gonna\n\nChannel 1: Yep.\n\nChannel 0: be taking a smaller income out on a regular basis, which means the rest of the money stays invested. In retirement, we wouldn't have you in a high growth portfolio. I have people much more conservative in retirement. They're getting less of a return, but they're also got all their investments in much much more of a safer investment, a lower risk investment area. They're looking at cash, bonds, and fixed interest.\n\nThey're not in this high growth environment. So, I definitely would be more inclined to maybe move you out of that high growth environment. I know you want the the markets to work. You want the investments to grow and want the best return you can get, but the level of nervousness that I kind of am getting shows that maybe you're probably not best to be in that high growth environment. Maybe you should pull back the risk level a little bit, understand your returns are a bit lower by just sort of taking more of a conservative approach to things.\n\nDoes that make sense?\n\nChannel 1: Yeah. I'm not I'm not worried about it. I'm just like I've been what I just, you know, like, you watch the market because it's your money you're playing with, but, you know,\n\nChannel 0: Yeah.\n\nChannel 1: you're like, you're selling to wake up one morning, the whole thing's freaking gone. You\n\nChannel 0: Yeah.\n\nChannel 1: know\n\nChannel 0: Well, these investments\n\nChannel 1: what I\n\nChannel 0: yeah. Well, these investments\n\nChannel 1: mean?\n\nChannel 0: that you're invested\n\nChannel 1: All\n\nChannel 0: in have withstood\n\nChannel 1: that\n\nChannel 0: market volatility. They've\n\nChannel 1: time\n\nChannel 0: gone through the GFC.\n\nChannel 1: and\n\nChannel 0: They've gone through COVID\n\nChannel 1: effort\n\nChannel 0: times, and they've\n\nChannel 1: putting\n\nChannel 0: come out and recovered.\n\nChannel 1: in.\n\nChannel 0: So, yes, they've seen 20 or 60% dips in the market, but they have come out, I'm sorry, and recovered and grown from there. So that's the other reason with the investors that we put you in. These things have withstood the test of time and have withstood this volatility, but it also just comes down to are you comfortable with the volatility? Are you able to stand that volatility? Do you have the tolerance for that?\n\nSo, yeah, that's\n\nChannel 1: Yeah.\n\nChannel 0: essentially\n\nChannel 1: That's that's alright. Yeah.\n\nChannel 0: where\n\nChannel 1: I just\n\nChannel 0: we're at. Yeah.\n\nChannel 1: but but you can understand where I'm coming from looking at\n\nChannel 0: Yeah.\n\nChannel 1: the figures.\n\nChannel 0: Absolutely.\n\nChannel 1: And that's that's where, you know, you're gonna say you're saying, like, understand that you've got to, like, you know, you're not comfortable with it, but\n\nChannel 0: Yeah.\n\nChannel 1: you just\n\nChannel 0: Yeah.\n\nChannel 1: gotta you gotta look at the in the last two years, you know, like, when you when I was working it out, I would've been better off just putting money into the super side of it. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: To where we\n\nChannel 0: Absolutely.\n\nChannel 1: are now.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's fine. That's not a problem at all. It it sounds to me like you've kind of made your mind up. You're sort of wanting to move back to ART at this point.\n\nAm I on the right track with where things are at?\n\nChannel 1: No. I I keep bringing you because\n\nChannel 0: No.\n\nChannel 1: I'm just I'm watching my profile and it doesn't seem to be performing well. So that's why I\n\nChannel 0: Yeah.\n\nChannel 1: just keep bringing you. I'm not I'm concerned that, you know, we're investing in stuff and it's not performing well and we're holding it too long and we're not investing in into stuff that's, you know and we're going backwards. That's why I keep keep in touch with you guys instead of just leaving it alone Because it's not we're going we seem to be going backwards. We're not, you know, we're not going forward. And it's been going back\n\nChannel 0: Yeah.\n\nChannel 1: for a while and that's why I\n\nChannel 0: Yeah.\n\nChannel 1: keep talking to you guys about\n\nChannel 0: Yeah. Well,\n\nChannel 1: it. So\n\nChannel 0: I\n\nChannel 1: like\n\nChannel 0: moving\n\nChannel 1: and rather\n\nChannel 0: forward.\n\nChannel 1: investing in the wrong wrong stuff or we're not watching that market or I'm not sure, but it just seems to be going backwards instead of going forward\n\nChannel 0: Yeah.\n\nChannel 1: even\n\nChannel 0: Well,\n\nChannel 1: before\n\nChannel 0: look,\n\nChannel 1: this\n\nChannel 0: I've\n\nChannel 1: volatility. Yeah. Sorry.\n\nChannel 0: yeah. Over the whole, your portfolio has done really well. In the email, if you sort of have a look, over the past two years, you've had a net return of over 13.4%. So that's actually pretty good.\n\nChannel 1: Yep.\n\nChannel 0: You have gone you are up from where you were when you came on board, which is important to kind of note. However, with the volatility at the moment, it's affecting all the industries, all the classes, all everything. So there's really kind of no getting around what's happening at the moment. And even if we are just buying and selling, we have to be careful. Whilst there may be investments that are performing better out there at the moment, if we just sell what we have now and buy into that for the short term, we're essentially day trading a super, which is dangerous because we're not able no one can tell where the top or the bottom of the market is.\n\nNo one knows what's going to happen, And super is supposed to be a long term investment. We're sitting here. We're investing in quality investments that have seen the ups and downs of volatility, have come back through those times and provide a greater growth because of it. If we see you know, if something happens and we see one investment might be down this week by that 10% and we sell out of that, you're cementing that loss. You have no way of making that back.\n\nWhereas\n\nChannel 1: Yep.\n\nChannel 0: if we're down at the moment, we haven't sold any of the investment. Therefore, the investment has a chance to come back and recover. With the advice you and I discussed last time, we are looking to get rid of Benelon because Benelon hasn't been performing very well. My team have been doing the research to work out what we need to do. The last of the part was the admins have been trying to get an updated ARC statement from you, and they haven't been able to get a hold of you to get that.\n\nHave you\n\nChannel 1: No.\n\nChannel 0: been able to obtain the statement there? Because we need a regular statement to show the updated balance that we're working on factual information for the updated device,\n\nChannel 1: Yeah.\n\nChannel 0: and that's kind of where the holdup is at the moment.\n\nChannel 1: I'll I'll try and get that today. Sorry.\n\nChannel 0: Yep. Beautiful. If you can, we can update the advice, and I can go through and show you what we're recommending to alter to change the so to change the portfolio.\n\nChannel 1: Yeah. Is it\n\nChannel 0: But,\n\nChannel 1: an annual\n\nChannel 0: again,\n\nChannel 1: statement? Is it? Sorry. Annual statement?\n\nChannel 0: it's just just an updated balance. If you can log in to the\n\nChannel 1: Yes.\n\nChannel 0: portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you.\n\nChannel 1: Yep.\n\nChannel 0: And then you get to decide whether you take that or not, whether you stay on board, or whether you wanna go back to ART. Okay?\n\nChannel 1: Yep. Okay. Alright. Well, thanks for that.\n\nChannel 0: All good. That's okay. With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment. Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat?\n\nChannel 1: No. I'm alright for now. I'm just trying to work out whether I just take it back, like,\n\nChannel 0: Yep.\n\nChannel 1: back across or not. Yeah. Because can\n\nChannel 0: Yep.\n\nChannel 1: you take it back in, like, a super would it be taken back over in in, like, placing investments back into super cash? If would it go back as that? Or\n\nChannel 0: You can do that if you want to. Essentially, what happens is when you request the rollover from ART, they'll request from Hub. Hub will sell everything down to cash or make\n\nChannel 1: yeah.\n\nChannel 0: us sell everything down to cash. It will all roll back into ART. You just have to tell ART\n\nChannel 1: Yep.\n\nChannel 0: what you want to do. If you want them to hold that in cash, they will hold it in cash. But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Okay. Alright. No worries.\n\nChannel 0: All\n\nChannel 1: Thanks\n\nChannel 0: good.\n\nChannel 1: for that. And I'll just email you that letter.\n\nChannel 0: Yeah. If you can email me the statement, that'd be fabulous. From this point in time, I'll can I'll keep working on the advice for you, and we'll book it in for the next two weeks to have it presented. Did you want to book in a time now with you to go through it in two weeks?\n\nChannel 1: Yeah. That'd be good. Thanks.\n\nChannel 0: Yeah. I've got the Thursday, April 16 available at about 09:00 Queensland, Oh, it's 09:00 everyone's time then. 09:00. Would that be okay?\n\nChannel 1: Yeah. That's perfect.\n\nChannel 0: Yeah. Beautiful. If anything changes, let me know. I'll send you an email with the time and date on that one. But in the meantime, you decide you wanna roll back, if you can just email me and let me know or just let me know.\n\nThat way, you know, if anything changes, I can just stop looking at the advice side of things for you.\n\nChannel 1: Yep.\n\nChannel 0: But just let me know what you decide. Okay?\n\nChannel 1: Alright. Thanks for that.\n\nChannel 0: That's okay, Paul. Thanks for your time.\n\nChannel 1: Alright. Bye.\n\nChannel 0: See you later.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":1.8399999,"end":2.32,"sentiment":"neutral","sentiment_score":0.13819264993071556},{"text":"This is Dana.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.1541889508565267},{"text":"How are you?","start":3.04,"end":3.86,"sentiment":"neutral","sentiment_score":0.1953746328751246}],"sentiment":"neutral","sentiment_score":0.16563450638204813,"channel":0,"num_words":8,"start":1.8399999,"end":3.86},{"sentences":[{"text":"Good.","start":4.08,"end":4.24,"sentiment":"positive","sentiment_score":0.6250882148742676},{"text":"Thank you.","start":4.24,"end":4.64,"sentiment":"positive","sentiment_score":0.6542776226997375},{"text":"Yourself?","start":4.64,"end":5.14,"sentiment":"positive","sentiment_score":0.3673208951950073}],"sentiment":"positive","sentiment_score":0.5752410888671875,"channel":1,"num_words":4,"start":4.08,"end":5.14},{"sentences":[{"text":"I'm very well.","start":5.3599997,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6246640483538309},{"text":"Thank you.","start":6.3999996,"end":7.14,"sentiment":"positive","sentiment_score":0.64080411195755},{"text":"Jack, how you booked in this morning for a bit of a catch up there?","start":7.3599997,"end":9.76,"sentiment":"neutral","sentiment_score":0.1260302484035492},{"text":"I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything.","start":9.76,"end":16.835,"sentiment":"neutral","sentiment_score":-0.09579693514012522},{"text":"Am I on the track with that at the moment?","start":16.835,"end":18.835,"sentiment":"neutral","sentiment_score":-0.057714732363820076}],"sentiment":"neutral","sentiment_score":0.024577078394225387,"channel":0,"num_words":61,"start":5.3599997,"end":18.835},{"sentences":[{"text":"What's been","start":18.835,"end":19.314999,"sentiment":"neutral","sentiment_score":-0.02678642701357603}],"sentiment":"neutral","sentiment_score":-0.02678642701357603,"channel":0,"num_words":2,"start":18.835,"end":19.314999},{"sentences":[{"text":"Yes.","start":19.255001,"end":19.655,"sentiment":"neutral","sentiment_score":-0.012860572896897793}],"sentiment":"neutral","sentiment_score":-0.012860572896897793,"channel":1,"num_words":1,"start":19.255001,"end":19.655},{"sentences":[{"text":"going on?","start":19.314999,"end":19.974998,"sentiment":"neutral","sentiment_score":-0.018817968666553497}],"sentiment":"neutral","sentiment_score":-0.018817968666553497,"channel":0,"num_words":2,"start":19.314999,"end":19.974998},{"sentences":[{"text":"Yes.","start":19.655,"end":19.975,"sentiment":"neutral","sentiment_score":0.022563179954886436},{"text":"Correct.","start":19.975,"end":20.295,"sentiment":"neutral","sentiment_score":0.03359368443489075},{"text":"Yeah.","start":20.295,"end":20.535,"sentiment":"neutral","sentiment_score":0.016548490151762962},{"text":"Yes.","start":20.535,"end":20.855,"sentiment":"neutral","sentiment_score":0.022649604827165604},{"text":"I just","start":20.855,"end":21.095001,"sentiment":"neutral","sentiment_score":-0.009114380925893784}],"sentiment":"neutral","sentiment_score":0.012854366252819696,"channel":1,"num_words":6,"start":19.655,"end":21.095001},{"sentences":[{"text":"Yeah.","start":20.994999,"end":21.494999,"sentiment":"neutral","sentiment_score":0.009356921538710594}],"sentiment":"neutral","sentiment_score":0.009356921538710594,"channel":0,"num_words":1,"start":20.994999,"end":21.494999},{"sentences":[{"text":"wanna see our thing.","start":21.095001,"end":22.055,"sentiment":"neutral","sentiment_score":0.008076336234807968},{"text":"It's not it doesn't seem like, it's it's traveling okay, but it's not traveling well.","start":22.055,"end":27.035,"sentiment":"neutral","sentiment_score":-0.13348956207434337},{"text":"Like","start":27.575,"end":27.814999,"sentiment":"neutral","sentiment_score":-0.09622681140899658}],"sentiment":"neutral","sentiment_score":-0.10331324487924576,"channel":1,"num_words":20,"start":21.095001,"end":27.814999},{"sentences":[{"text":"Yeah.","start":27.73,"end":28.05,"sentiment":"neutral","sentiment_score":-0.053989384323358536},{"text":"Mhmm.","start":28.05,"end":28.55,"sentiment":"neutral","sentiment_score":-0.03521786257624626}],"sentiment":"neutral","sentiment_score":-0.0446036234498024,"channel":0,"num_words":2,"start":27.73,"end":28.55},{"sentences":[{"text":"so when I if I sort of look back and I feel like if I would have left it in super and I would","start":28.55,"end":33.19,"sentiment":"neutral","sentiment_score":-0.1055085202679038}],"sentiment":"neutral","sentiment_score":-0.1055085202679038,"channel":1,"num_words":24,"start":28.55,"end":33.19},{"sentences":[{"text":"Mhmm.","start":33.01,"end":33.51,"sentiment":"neutral","sentiment_score":-0.02703352272510529}],"sentiment":"neutral","sentiment_score":-0.02703352272510529,"channel":0,"num_words":1,"start":33.01,"end":33.51},{"sentences":[{"text":"have just done my contributions after, like, nearly two years, I think it is or whatever, I'd still be at the I'd be at the same the same point financially.","start":33.19,"end":42.97,"sentiment":"neutral","sentiment_score":-0.08511541138092676}],"sentiment":"neutral","sentiment_score":-0.08511541138092676,"channel":1,"num_words":30,"start":33.19,"end":42.97},{"sentences":[{"text":"Yes and no.","start":43.795,"end":45.015,"sentiment":"neutral","sentiment_score":-0.1345754253367583},{"text":"Realistically, what's happening in the market generally, it feels like it's affecting your Hub twenty four super a lot more than your Australian than your AARP fund because you have more money sitting in this fund, and there's no contributions going into hub twenty four at the moment.","start":45.554996,"end":59.91,"sentiment":"neutral","sentiment_score":-0.23797311168164015},{"text":"Because your contributions are going into ART, they're being bought into those investments.","start":59.97,"end":64.95,"sentiment":"neutral","sentiment_score":-0.09723216123305835},{"text":"It's been dollar cost averaged in on a regular basis, which means your ART fund is getting more of an advantage of that.","start":65.01,"end":70.905,"sentiment":"neutral","sentiment_score":0.06856969760163971},{"text":"And because your balance is lower over there, you're not feeling the ups and downs as drastically as what you are over this side of 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be comfortable with down the track because you are closer to it.","start":348.145,"end":357.63,"sentiment":"neutral","sentiment_score":0.3294152971357107},{"text":"I would be very mindful of maybe mentioning that if you go back to ART, which is fine, maybe reevaluate the investments that are in there because you were in more of a high growth investment in there, and moving everything back into one place with a higher balance, you're fluctuations.","start":358.01,"end":373.745,"sentiment":"neutral","sentiment_score":0.0195460899495611}],"sentiment":"neutral","sentiment_score":0.11076531921551652,"channel":0,"num_words":146,"start":327.83,"end":373.745},{"sentences":[{"text":"So maybe just reevaluate the level of risk you're taking within that fund there down the track.","start":373.885,"end":379.425,"sentiment":"neutral","sentiment_score":-0.05845675453105394},{"text":"Okay?","start":379.485,"end":379.985,"sentiment":"neutral","sentiment_score":0.03596954792737961}],"sentiment":"neutral","sentiment_score":-0.05321084883891874,"channel":0,"num_words":18,"start":373.885,"end":379.985},{"sentences":[{"text":"Yep.","start":379.68,"end":380.18,"sentiment":"neutral","sentiment_score":0.030627449974417686},{"text":"Okay.","start":380.56,"end":381.06,"sentiment":"neutral","sentiment_score":0.03758987784385681}],"sentiment":"neutral","sentiment_score":0.03410866390913725,"channel":1,"num_words":2,"start":379.68,"end":381.06},{"sentences":[{"text":"Yeah.","start":380.88,"end":381.38,"sentiment":"neutral","sentiment_score":0.03137616813182831}],"sentiment":"neutral","sentiment_score":0.03137616813182831,"channel":0,"num_words":1,"start":380.88,"end":381.38},{"sentences":[{"text":"And","start":381.36,"end":381.6,"sentiment":"neutral","sentiment_score":0.01747654750943184}],"sentiment":"neutral","sentiment_score":0.01747654750943184,"channel":1,"num_words":1,"start":381.36,"end":381.6},{"sentences":[{"text":"Does","start":381.52002,"end":381.76,"sentiment":"neutral","sentiment_score":0.007198899984359741}],"sentiment":"neutral","sentiment_score":0.007198899984359741,"channel":0,"num_words":1,"start":381.52002,"end":381.76},{"sentences":[{"text":"if I","start":381.6,"end":381.92,"sentiment":"neutral","sentiment_score":-0.0007419325411319733}],"sentiment":"neutral","sentiment_score":-0.0007419325411319733,"channel":1,"num_words":2,"start":381.6,"end":381.92},{"sentences":[{"text":"that","start":381.76,"end":382.0,"sentiment":"neutral","sentiment_score":-0.003933742642402649}],"sentiment":"neutral","sentiment_score":-0.003933742642402649,"channel":0,"num_words":1,"start":381.76,"end":382.0},{"sentences":[{"text":"was","start":381.92,"end":382.08,"sentiment":"neutral","sentiment_score":-0.00953630357980728}],"sentiment":"neutral","sentiment_score":-0.00953630357980728,"channel":1,"num_words":1,"start":381.92,"end":382.08},{"sentences":[{"text":"help","start":382.0,"end":382.24002,"sentiment":"neutral","sentiment_score":-0.012247636914253237}],"sentiment":"neutral","sentiment_score":-0.012247636914253237,"channel":0,"num_words":1,"start":382.0,"end":382.24002},{"sentences":[{"text":"to get","start":382.08,"end":382.4,"sentiment":"neutral","sentiment_score":-0.016602005809545517}],"sentiment":"neutral","sentiment_score":-0.016602005809545517,"channel":1,"num_words":2,"start":382.08,"end":382.4},{"sentences":[{"text":"a little bit?","start":382.24002,"end":383.06003,"sentiment":"neutral","sentiment_score":-0.018033411353826523}],"sentiment":"neutral","sentiment_score":-0.018033411353826523,"channel":0,"num_words":3,"start":382.24002,"end":383.06003},{"sentences":[{"text":"yeah.","start":383.44,"end":383.94,"sentiment":"neutral","sentiment_score":-0.04554424434900284},{"text":"So if I was if I was to take it all back, what 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all?","start":393.52002,"end":395.46002,"sentiment":"neutral","sentiment_score":-0.06636600662022829}],"sentiment":"neutral","sentiment_score":-0.037105261736238994,"channel":0,"num_words":24,"start":389.68002,"end":395.46002},{"sentences":[{"text":"I don't believe I got it.","start":396.05502,"end":397.67502,"sentiment":"neutral","sentiment_score":-0.22912809252738953}],"sentiment":"neutral","sentiment_score":-0.22912809252738953,"channel":1,"num_words":6,"start":396.05502,"end":397.67502},{"sentences":[{"text":"No?","start":397.925,"end":398.405,"sentiment":"neutral","sentiment_score":-0.15804649889469147},{"text":"I maybe it was money that had a look at it.","start":398.405,"end":400.485,"sentiment":"neutral","sentiment_score":-0.09601604498245499},{"text":"I sent it through to you yesterday.","start":400.485,"end":402.00497,"sentiment":"neutral","sentiment_score":0.000750080549291202},{"text":"It looks like it has been viewed.","start":402.00497,"end":403.54498,"sentiment":"neutral","sentiment_score":0.014985337587339538},{"text":"But in","start":403.925,"end":404.405,"sentiment":"neutral","sentiment_score":-0.008668501395732164}],"sentiment":"neutral","sentiment_score":-0.04005043105488377,"channel":0,"num_words":28,"start":397.925,"end":404.405},{"sentences":[{"text":"Okay.","start":404.29,"end":404.79,"sentiment":"neutral","sentiment_score":0.0004920298233628273}],"sentiment":"neutral","sentiment_score":0.0004920298233628273,"channel":1,"num_words":1,"start":404.29,"end":404.79},{"sentences":[{"text":"the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5¢.","start":404.405,"end":415.73,"sentiment":"neutral","sentiment_score":-0.07991330845341567},{"text":"So that's","start":415.95,"end":416.35,"sentiment":"neutral","sentiment_score":-0.05325647257268429}],"sentiment":"neutral","sentiment_score":-0.07829774264246225,"channel":0,"num_words":34,"start":404.405,"end":416.35},{"sentences":[{"text":"Six","start":416.175,"end":416.57498,"sentiment":"neutral","sentiment_score":-0.0687180832028389}],"sentiment":"neutral","sentiment_score":-0.0687180832028389,"channel":1,"num_words":1,"start":416.175,"end":416.57498},{"sentences":[{"text":"the","start":416.35,"end":416.59,"sentiment":"neutral","sentiment_score":-0.053727440536022186}],"sentiment":"neutral","sentiment_score":-0.053727440536022186,"channel":0,"num_words":1,"start":416.35,"end":416.59},{"sentences":[{"text":"six.","start":416.57498,"end":417.07498,"sentiment":"neutral","sentiment_score":-0.0778045505285263}],"sentiment":"neutral","sentiment_score":-0.0778045505285263,"channel":1,"num_words":1,"start":416.57498,"end":417.07498},{"sentences":[{"text":"estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance.","start":416.59,"end":424.425,"sentiment":"neutral","sentiment_score":-0.09497941812050753}],"sentiment":"neutral","sentiment_score":-0.09497941812050753,"channel":0,"num_words":29,"start":416.59,"end":424.425},{"sentences":[{"text":"Yep.","start":424.895,"end":425.395,"sentiment":"neutral","sentiment_score":0.006704527884721756},{"text":"And what","start":425.695,"end":426.095,"sentiment":"neutral","sentiment_score":0.0023440783843398094}],"sentiment":"neutral","sentiment_score":0.0037975615511337915,"channel":1,"num_words":3,"start":424.895,"end":426.095},{"sentences":[{"text":"Yeah.","start":426.085,"end":426.585,"sentiment":"neutral","sentiment_score":0.003285161219537258}],"sentiment":"neutral","sentiment_score":0.003285161219537258,"channel":0,"num_words":1,"start":426.085,"end":426.585},{"sentences":[{"text":"was my balance?","start":426.095,"end":426.96,"sentiment":"neutral","sentiment_score":-0.011949160136282444},{"text":"Sorry?","start":427.36,"end":427.86,"sentiment":"neutral","sentiment_score":-0.02551129460334778}],"sentiment":"neutral","sentiment_score":-0.015339693753048778,"channel":1,"num_words":4,"start":426.095,"end":427.86},{"sentences":[{"text":"The balance in the fund at the moment, I've got that here in front of me for you.","start":428.32498,"end":432.745,"sentiment":"neutral","sentiment_score":-0.022401852843662102},{"text":"It is currently 401,034.","start":434.565,"end":438.66498,"sentiment":"neutral","sentiment_score":-0.021318307146430016}],"sentiment":"neutral","sentiment_score":-0.02220484453507445,"channel":0,"num_words":22,"start":428.32498,"end":438.66498},{"sentences":[{"text":"Jeez.","start":439.59998,"end":440.09998,"sentiment":"neutral","sentiment_score":-0.05783301591873169},{"text":"It's dropped 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that money because you haven't sold anything.","start":450.63,"end":453.53,"sentiment":"neutral","sentiment_score":-0.14388466502229372},{"text":"The rolling","start":453.775,"end":454.255,"sentiment":"neutral","sentiment_score":-0.04336613044142723}],"sentiment":"neutral","sentiment_score":-0.10235431749859582,"channel":0,"num_words":23,"start":448.79,"end":454.255},{"sentences":[{"text":"Yeah.","start":454.225,"end":454.725,"sentiment":"neutral","sentiment_score":-0.06853524595499039}],"sentiment":"neutral","sentiment_score":-0.06853524595499039,"channel":1,"num_words":1,"start":454.225,"end":454.725},{"sentences":[{"text":"back means you will be cementing the losses.","start":454.255,"end":456.495,"sentiment":"neutral","sentiment_score":-0.07225286681205034},{"text":"There will be the CDT 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do.","start":466.73,"end":468.73,"sentiment":"neutral","sentiment_score":-0.14469270242585075},{"text":"If you are wanting to, you know, roll back, just call ART, get them to submit the rollover request.","start":468.73,"end":475.47,"sentiment":"neutral","sentiment_score":-0.06070418126488987}],"sentiment":"neutral","sentiment_score":-0.18888032089984208,"channel":0,"num_words":57,"start":458.57498,"end":475.47},{"sentences":[{"text":"If you need anything from me to do that, absolutely fine.","start":475.77,"end":478.825,"sentiment":"neutral","sentiment_score":0.024613204327496616},{"text":"Let me know.","start":478.825,"end":479.385,"sentiment":"neutral","sentiment_score":0.12688427666823068},{"text":"I'll certainly give you a hand.","start":479.385,"end":480.745,"sentiment":"neutral","sentiment_score":0.1755543313920498},{"text":"I 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me know kinda today or tomorrow if there's anything that you need to help you with that, that's absolutely fine.","start":482.745,"end":487.945,"sentiment":"neutral","sentiment_score":0.10272135257720948},{"text":"I know this is something that's been on your mind for the past couple of months, and you're kind kind of been working at what to do moving forward.","start":487.945,"end":495.02,"sentiment":"neutral","sentiment_score":-0.07658087372266013},{"text":"So I","start":495.16,"end":495.64,"sentiment":"neutral","sentiment_score":0.0913008600473404}],"sentiment":"neutral","sentiment_score":0.009460539224424533,"channel":0,"num_words":56,"start":482.745,"end":495.64},{"sentences":[{"text":"Yes.","start":495.54,"end":496.04,"sentiment":"neutral","sentiment_score":0.1280020922422409}],"sentiment":"neutral","sentiment_score":0.1280020922422409,"channel":1,"num_words":1,"start":495.54,"end":496.04},{"sentences":[{"text":"just wanted to have this conversation with you and be honest with you as well because I don't want you to be not comfortable with the decision that you've got.","start":495.64,"end":502.6,"sentiment":"neutral","sentiment_score":-0.07128526692589124},{"text":"So if you're not happy, you are welcome to roll back.","start":502.6,"end":505.535,"sentiment":"neutral","sentiment_score":-0.10311849144372073},{"text":"That's not an issue.","start":505.535,"end":506.515,"sentiment":"neutral","sentiment_score":0.024310683831572533},{"text":"Okay?","start":506.65503,"end":507.15503,"sentiment":"neutral","sentiment_score":0.10439108312129974}],"sentiment":"neutral","sentiment_score":-0.06676581728717555,"channel":0,"num_words":46,"start":495.64,"end":507.15503},{"sentences":[{"text":"Yeah.","start":507.435,"end":507.755,"sentiment":"neutral","sentiment_score":0.1694050133228302},{"text":"That's alright.","start":507.755,"end":508.395,"sentiment":"neutral","sentiment_score":0.1663675308227539},{"text":"We just 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that's gonna keep your comfort level there.","start":565.855,"end":574.36,"sentiment":"neutral","sentiment_score":-0.32771441781962357},{"text":"But moving back into ART, if you stay in that high growth environment with the balance, even with the contributions going in, with the kind of volatility we are seeing at the moment, you will still feel it.","start":574.36,"end":584.83997,"sentiment":"neutral","sentiment_score":-0.11175673543230484},{"text":"So I wanna be really honest with you.","start":584.83997,"end":587.305,"sentiment":"neutral","sentiment_score":0.001958962995558977},{"text":"You 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ART.","start":994.04004,"end":999.5,"sentiment":"neutral","sentiment_score":0.04380651518702507},{"text":"Okay?","start":999.8,"end":1000.3,"sentiment":"neutral","sentiment_score":0.06019724160432816}],"sentiment":"neutral","sentiment_score":0.04443692774153673,"channel":0,"num_words":26,"start":994.04004,"end":1000.3},{"sentences":[{"text":"Yep.","start":1000.26495,"end":1000.745,"sentiment":"neutral","sentiment_score":0.07016962021589279},{"text":"Okay.","start":1000.745,"end":1001.225,"sentiment":"neutral","sentiment_score":0.11739985644817352},{"text":"Alright.","start":1001.225,"end":1001.545,"sentiment":"neutral","sentiment_score":0.25777101516723633},{"text":"Well, thanks for that.","start":1001.545,"end":1002.685,"sentiment":"positive","sentiment_score":0.6555509343743324}],"sentiment":"positive","sentiment_score":0.43822060418980463,"channel":1,"num_words":7,"start":1000.26495,"end":1002.685},{"sentences":[{"text":"All good.","start":1002.29504,"end":1002.93506,"sentiment":"positive","sentiment_score":0.6523863077163696},{"text":"That's okay.","start":1002.93506,"end":1003.755,"sentiment":"positive","sentiment_score":0.3798832893371582},{"text":"With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment.","start":1003.97504,"end":1009.67505,"sentiment":"neutral","sentiment_score":0.01982775013893843},{"text":"Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat?","start":1009.815,"end":1015.195,"sentiment":"neutral","sentiment_score":-0.034827918543115906}],"sentiment":"neutral","sentiment_score":0.03532025681689699,"channel":0,"num_words":47,"start":1002.29504,"end":1015.195},{"sentences":[{"text":"No.","start":1016.27,"end":1016.77,"sentiment":"neutral","sentiment_score":-0.20544271171092987},{"text":"I'm alright for now.","start":1016.83,"end":1017.71,"sentiment":"neutral","sentiment_score":-0.16370951011776924},{"text":"I'm just trying to work out whether I just take it back, like,","start":1017.71,"end":1021.97003,"sentiment":"neutral","sentiment_score":-0.12801409512758255}],"sentiment":"neutral","sentiment_score":-0.1402479993800322,"channel":1,"num_words":18,"start":1016.27,"end":1021.97003},{"sentences":[{"text":"Yep.","start":1021.92,"end":1022.42,"sentiment":"neutral","sentiment_score":-0.08226906508207321}],"sentiment":"neutral","sentiment_score":-0.08226906508207321,"channel":0,"num_words":1,"start":1021.92,"end":1022.42},{"sentences":[{"text":"back across or not.","start":1022.03,"end":1023.15,"sentiment":"neutral","sentiment_score":-0.07396212965250015},{"text":"Yeah.","start":1023.15,"end":1023.615,"sentiment":"neutral","sentiment_score":0.006949607282876968},{"text":"Because 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that?","start":1033.135,"end":1034.655,"sentiment":"neutral","sentiment_score":-0.01689021023256438},{"text":"Or","start":1034.655,"end":1035.155,"sentiment":"neutral","sentiment_score":0.0008665844798088074}],"sentiment":"neutral","sentiment_score":-0.01522358218508382,"channel":1,"num_words":31,"start":1024.095,"end":1035.155},{"sentences":[{"text":"You can do that if you want to.","start":1035.2949,"end":1037.3949,"sentiment":"neutral","sentiment_score":0.0011548504699021578},{"text":"Essentially, what happens is when you request the rollover from ART, they'll request from Hub.","start":1037.5349,"end":1042.47,"sentiment":"neutral","sentiment_score":0.008086762297898531},{"text":"Hub will sell everything down to cash or make","start":1042.47,"end":1044.87,"sentiment":"neutral","sentiment_score":-0.0007681453393565288}],"sentiment":"neutral","sentiment_score":0.0038633415679214522,"channel":0,"num_words":32,"start":1035.2949,"end":1044.87},{"sentences":[{"text":"yeah.","start":1044.83,"end":1045.33,"sentiment":"neutral","sentiment_score":0.007222399115562439}],"sentiment":"neutral","sentiment_score":0.007222399115562439,"channel":1,"num_words":1,"start":1044.83,"end":1045.33},{"sentences":[{"text":"us sell everything down to cash.","start":1044.87,"end":1046.33,"sentiment":"neutral","sentiment_score":-0.00617393230398496},{"text":"It will all roll back into ART.","start":1046.63,"end":1048.65,"sentiment":"neutral","sentiment_score":0.02598018491906779},{"text":"You just have to tell ART","start":1048.7899,"end":1050.3099,"sentiment":"neutral","sentiment_score":0.04718595929443836}],"sentiment":"neutral","sentiment_score":0.022522813493483944,"channel":0,"num_words":19,"start":1044.87,"end":1050.3099},{"sentences":[{"text":"Yep.","start":1050.155,"end":1050.655,"sentiment":"neutral","sentiment_score":0.02758491411805153}],"sentiment":"neutral","sentiment_score":0.02758491411805153,"channel":1,"num_words":1,"start":1050.155,"end":1050.655},{"sentences":[{"text":"what you want to do.","start":1050.3099,"end":1051.19,"sentiment":"neutral","sentiment_score":0.0065222252160310745},{"text":"If you want them to hold that in cash, they will hold it in cash.","start":1051.19,"end":1054.965,"sentiment":"neutral","sentiment_score":0.008829361324508985},{"text":"But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive.","start":1055.1849,"end":1064.005,"sentiment":"neutral","sentiment_score":0.02648383085615933}],"sentiment":"neutral","sentiment_score":0.02040674633656939,"channel":0,"num_words":60,"start":1050.3099,"end":1064.005},{"sentences":[{"text":"Yeah.","start":1063.9149,"end":1064.4149,"sentiment":"neutral","sentiment_score":0.04646134749054909},{"text":"Okay.","start":1064.7949,"end":1065.2949,"sentiment":"neutral","sentiment_score":0.06105414405465126}],"sentiment":"neutral","sentiment_score":0.053757745772600174,"channel":1,"num_words":2,"start":1063.9149,"end":1065.2949},{"sentences":[{"text":"Yeah.","start":1066.5599,"end":1066.88,"sentiment":"neutral","sentiment_score":0.06382560729980469},{"text":"Okay.","start":1066.88,"end":1067.38,"sentiment":"neutral","sentiment_score":0.08309085667133331}],"sentiment":"neutral","sentiment_score":0.073458231985569,"channel":0,"num_words":2,"start":1066.5599,"end":1067.38},{"sentences":[{"text":"Okay.","start":1067.11,"end":1067.59,"sentiment":"neutral","sentiment_score":0.11354108154773712},{"text":"Alright.","start":1067.59,"end":1067.99,"sentiment":"neutral","sentiment_score":0.1700941026210785},{"text":"No worries.","start":1067.99,"end":1068.47,"sentiment":"neutral","sentiment_score":0.24478580057621002}],"sentiment":"neutral","sentiment_score":0.19330169633030891,"channel":1,"num_words":4,"start":1067.11,"end":1068.47},{"sentences":[{"text":"All","start":1068.24,"end":1068.48,"sentiment":"positive","sentiment_score":0.3552832007408142}],"sentiment":"positive","sentiment_score":0.3552832007408142,"channel":0,"num_words":1,"start":1068.24,"end":1068.48},{"sentences":[{"text":"Thanks","start":1068.47,"end":1068.59,"sentiment":"positive","sentiment_score":0.6400964856147766}],"sentiment":"positive","sentiment_score":0.6400964856147766,"channel":1,"num_words":1,"start":1068.47,"end":1068.59},{"sentences":[{"text":"good.","start":1068.48,"end":1068.98,"sentiment":"positive","sentiment_score":0.5747976303100586}],"sentiment":"positive","sentiment_score":0.5747976303100586,"channel":0,"num_words":1,"start":1068.48,"end":1068.98},{"sentences":[{"text":"for that.","start":1068.59,"end":1068.87,"sentiment":"positive","sentiment_score":0.5218600630760193},{"text":"And I'll just email you that letter.","start":1068.87,"end":1070.97,"sentiment":"neutral","sentiment_score":0.28698282156671795}],"sentiment":"positive","sentiment_score":0.3391777641243405,"channel":1,"num_words":9,"start":1068.59,"end":1070.97},{"sentences":[{"text":"Yeah.","start":1071.36,"end":1071.6799,"sentiment":"positive","sentiment_score":0.3748767375946045},{"text":"If you can email me the statement, that'd be fabulous.","start":1071.6799,"end":1074.02,"sentiment":"positive","sentiment_score":0.5420919239521027},{"text":"From this point in time, I'll can I'll keep working on the advice for you, and we'll book it in for the next two weeks to have it presented.","start":1074.32,"end":1082.2151,"sentiment":"neutral","sentiment_score":0.2684665339003349},{"text":"Did you want to book in a time now with you to go through it in two weeks?","start":1082.915,"end":1087.015,"sentiment":"neutral","sentiment_score":0.056376808426446386}],"sentiment":"neutral","sentiment_score":0.2516570346879548,"channel":0,"num_words":58,"start":1071.36,"end":1087.015},{"sentences":[{"text":"Yeah.","start":1087.285,"end":1087.6051,"sentiment":"positive","sentiment_score":0.3371429443359375},{"text":"That'd be good.","start":1087.6051,"end":1088.165,"sentiment":"positive","sentiment_score":0.6594825188318888},{"text":"Thanks.","start":1088.165,"end":1088.665,"sentiment":"positive","sentiment_score":0.6510549783706665}],"sentiment":"positive","sentiment_score":0.5933290958404541,"channel":1,"num_words":5,"start":1087.285,"end":1088.665},{"sentences":[{"text":"Yeah.","start":1088.995,"end":1089.395,"sentiment":"neutral","sentiment_score":0.1795317828655243},{"text":"I've got the Thursday, April 16 available at about 09:00 Queensland, Oh, it's 09:00 everyone's time then.","start":1089.395,"end":1098.37,"sentiment":"neutral","sentiment_score":0.07696434110403061},{"text":"09:00.","start":1098.59,"end":1099.23,"sentiment":"neutral","sentiment_score":0.03832497447729111},{"text":"Would that be okay?","start":1099.23,"end":1100.21,"sentiment":"neutral","sentiment_score":0.10571413487195969}],"sentiment":"neutral","sentiment_score":0.0847437867651815,"channel":0,"num_words":23,"start":1088.995,"end":1100.21},{"sentences":[{"text":"Yeah.","start":1100.37,"end":1100.61,"sentiment":"positive","sentiment_score":0.37630850076675415},{"text":"That's perfect.","start":1100.61,"end":1101.35,"sentiment":"positive","sentiment_score":0.7641323208808899}],"sentiment":"positive","sentiment_score":0.634857714176178,"channel":1,"num_words":3,"start":1100.37,"end":1101.35},{"sentences":[{"text":"Yeah.","start":1101.7899,"end":1102.19,"sentiment":"positive","sentiment_score":0.6452852487564087},{"text":"Beautiful.","start":1102.19,"end":1102.69,"sentiment":"positive","sentiment_score":0.7682915925979614},{"text":"If anything changes, let me know.","start":1102.91,"end":1104.35,"sentiment":"neutral","sentiment_score":0.2095948544641336},{"text":"I'll send you an email with the time and date on that one.","start":1104.35,"end":1107.1699,"sentiment":"neutral","sentiment_score":0.1899680094077037},{"text":"But in the meantime, you decide you wanna roll back, if you can just email me and let me know or just let me know.","start":1107.39,"end":1112.845,"sentiment":"neutral","sentiment_score":0.0707355274260044}],"sentiment":"neutral","sentiment_score":0.15019822339324848,"channel":0,"num_words":46,"start":1101.7899,"end":1112.845},{"sentences":[{"text":"That way, you know, if anything changes, I can just stop looking at the advice side of things for you.","start":1112.845,"end":1117.585,"sentiment":"neutral","sentiment_score":0.06510154772549867}],"sentiment":"neutral","sentiment_score":0.06510154772549867,"channel":0,"num_words":20,"start":1112.845,"end":1117.585},{"sentences":[{"text":"Yep.","start":1117.9349,"end":1118.4349,"sentiment":"neutral","sentiment_score":0.11728030443191528}],"sentiment":"neutral","sentiment_score":0.11728030443191528,"channel":1,"num_words":1,"start":1117.9349,"end":1118.4349},{"sentences":[{"text":"But just let me know what you decide.","start":1118.525,"end":1120.385,"sentiment":"neutral","sentiment_score":0.07993936585262418},{"text":"Okay?","start":1120.525,"end":1121.025,"sentiment":"neutral","sentiment_score":0.10202549397945404}],"sentiment":"neutral","sentiment_score":0.08239338008893861,"channel":0,"num_words":9,"start":1118.525,"end":1121.025},{"sentences":[{"text":"Alright.","start":1121.455,"end":1121.855,"sentiment":"positive","sentiment_score":0.3496014475822449},{"text":"Thanks for that.","start":1121.855,"end":1122.741,"sentiment":"positive","sentiment_score":0.7449448506037394}],"sentiment":"positive","sentiment_score":0.6461089998483658,"channel":1,"num_words":4,"start":1121.455,"end":1122.741},{"sentences":[{"text":"That's okay, Paul.","start":1123.0808,"end":1124.2809,"sentiment":"positive","sentiment_score":0.5822355548540751},{"text":"Thanks for your 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the importance of finding a comfortable level of risk and rethinking their risk levels. The speaker also discusses the potential loss of a fund due to market volatility and advises the customer to consider rolling back or taking a lower risk level. The speaker emphasizes the importance of finding a balance between risk and returns and recommends updating the portfolio and keeping the customer in a high growth environment. The customer agrees to book an appointment for the next two weeks."},"intents":{"segments":[{"text":"I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything. Am I on the track with that at the moment?","start_word":32,"end_word":72,"intents":[{"intent":"Check market status","confidence_score":0.016087243}]},{"text":"If we're not able to put money into Hub twenty four and we have to rely on transferring funds out of ART on, you know, a regular basis or once a year.","start_word":340,"end_word":371,"intents":[{"intent":"Resolve investments","confidence_score":0.0007471691}]},{"text":"And that's that was the the opinion that I was putting that money across, investing it into shares and portfolios and stuff like that to make the money work for me, not me work for the money.","start_word":656,"end_word":692,"intents":[{"intent":"Make money work","confidence_score":0.5951917},{"intent":"Sell investments","confidence_score":0.22676662}]},{"text":"If the market as a whole is moving down and funds are being sold out, a lot of what you see in the market at the moment is people being nervous, and it's not institutional investors buying and selling a lot of things.","start_word":707,"end_word":749,"intents":[{"intent":"Understand market dynamics","confidence_score":0.09912066}]},{"text":"If you wanna go back to ART and have your money there, it's absolutely fine. You just need to give them a call, and they can organize the they can organize the rollout. They'll request it from Hub and roll the funds over.","start_word":867,"end_word":909,"intents":[{"intent":"Plan rollout","confidence_score":0.020544859}]},{"text":"One the but as I said, investment portfolios can only work as hard as the market is, and then we always wanna make contributions into investments, whether it's in super or in your own name.","start_word":969,"end_word":1003,"intents":[{"intent":"Make contributions","confidence_score":0.7401941}]},{"text":"Income tends to be a lot lower than growth does because growth is where you see a lot more higher risk investments as in things like international shares, Australian shares.","start_word":1091,"end_word":1120,"intents":[{"intent":"Compare investments","confidence_score":0.0026110744}]},{"text":"the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5<unk>. So that's Six the six. estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance. Yep.","start_word":1424,"end_word":1490,"intents":[{"intent":"Discuss fund decisions","confidence_score":0.033429947}]},{"text":"So The markets have have had a really volatile yeah. time, and they are going to.","start_word":1787,"end_word":1802,"intents":[{"intent":"Analyze markets","confidence_score":0.005530478}]},{"text":"the markets if you left everything in ART, the with the same sort of volatility we have or haven't seen, I really can't predict where you would have actually been, whether you would be in front or not. We can we're kinda using past status to sort of assume. Yep.","start_word":2143,"end_word":2192,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.015266981}]},{"text":"It it sounds to me like you've kind of made your mind up. You're sort of wanting to move back to ART at this point. Am I on the right track with where things are at? No.","start_word":2819,"end_word":2855,"intents":[{"intent":"Promote and influence investment decision","confidence_score":2.0773707e-9}]},{"text":"If you can, we can update the advice, and I can go through and show you what we're recommending to alter to change the so to change the portfolio. Yeah.","start_word":3424,"end_word":3453,"intents":[{"intent":"Fix portfolio","confidence_score":0.0028530424}]},{"text":"portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you.","start_word":3481,"end_word":3531,"intents":[{"intent":"Make changes","confidence_score":0.09868234}]},{"text":"portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you. Yep.","start_word":3481,"end_word":3532,"intents":[{"intent":"Present advice","confidence_score":0.81333035}]},{"text":"And then you get to decide whether you take that or not, whether you stay on board, or whether you wanna go back to ART. Okay?","start_word":3532,"end_word":3557,"intents":[{"intent":"Determine decision","confidence_score":0.07115763}]},{"text":"With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment. Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat? No. I'm alright for now. I'm just trying to work out whether I just take it back, like, Yep. back across or not. Yeah.","start_word":3569,"end_word":3635,"intents":[{"intent":"Evaluate asset status","confidence_score":0.000013129077}]},{"text":"you take it back in, like, a super would it be taken back over in in, like, placing investments back into super cash? If would it go back as that? Or You can do that if you want to. Essentially, what happens is when you request the rollover from ART, they'll request from Hub. Hub will sell everything down to cash or make yeah. us sell everything down to cash. It will all roll back into ART.","start_word":3639,"end_word":3715,"intents":[{"intent":"Discuss rollover","confidence_score":0.000118517}]},{"text":"If you want them to hold that in cash, they will hold it in cash. But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive. Yeah.","start_word":3728,"end_word":3783,"intents":[{"intent":"Explain cash investment","confidence_score":5.0333966e-7}]}]},"sentiments":{"segments":[{"text":"Hi, Paul. This is Dana. How are you?","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.16476555168628693},{"text":"Good. Thank you. Yourself? I'm very well. Thank you.","start_word":8,"end_word":16,"sentiment":"positive","sentiment_score":0.574729323387146},{"text":"Jack, how you booked in this morning for a bit of a catch up there? I know you're a bit probably a bit concerned about what's happening in the markets with your super fund there, and he mentioned that you were a bit unsure about everything. Am I on the track with that at the moment? What's been Yes. going on? Yes. Correct. Yeah. Yes. I just Yeah. wanna see our thing. It's not it doesn't seem like, it's it's traveling okay, but it's not traveling well. Like Yeah. Mhmm. so when I if I sort of look back and I feel like if I would have left it in super and I would Mhmm. have just done my contributions after, like, nearly two years, I think it is or whatever, I'd still be at the I'd be at the same the same point financially. Yes and no. Realistically, what's happening in the market generally, it feels like it's affecting your Hub twenty four super a lot more than your Australian than your AARP fund because you have more money sitting in this fund, and there's no contributions going into hub twenty four at the moment. Because your contributions are going into ART, they're being bought into those investments. It's been dollar cost averaged in on a regular basis, which means your ART fund is getting more of an advantage of that. And because your balance is lower over there, you're not feeling the ups and downs as drastically as what you are over this side of things. Not having Yeah. contributions there means you're only sort of waiting to see what the market does in portfolio, and you have a higher balance here in Hub twenty four. So you are gonna feel those ups and downs a lot more drastically. We have been doing the research to get the advice updated for you, but it's still gonna be the same effect. If we're not able to put money into Hub twenty four and we have to rely on transferring funds out of ART on, you know, a regular basis or once a year. It's still gonna be the same thing.","start_word":17,"end_word":377,"sentiment":"neutral","sentiment_score":-0.10502162053561936},{"text":"You are still gonna feel the effect in Hub twenty four a lot greater than any other fund at the moment.","start_word":378,"end_word":398,"sentiment":"positive","sentiment_score":0.3910614252090454},{"text":"But if you were to move everything back to ARC, which you absolutely can if you want to, there's nothing wrong with that.","start_word":399,"end_word":421,"sentiment":"neutral","sentiment_score":0.0997576043009758},{"text":"If you don't feel, you know, happy with where you are, you you're not held here in any way, shape, or form.","start_word":422,"end_word":443,"sentiment":"negative","sentiment_score":-0.476862370967865},{"text":"Yep. The same thing, you are gonna feel those ups and downs within that fund as well. It's it's the difference of the contributions going in there, but it's gotta be your comfort level as well. Okay? Yeah. That's alright. Like, I was on the opinion that I'd I'd ship the money to hub twenty four and then that that investment would do the work for me. I didn't realize that I had to keep topping it up to make it work for me, which is, Yeah. In you know, the like, investment if if I portfolio was is gonna do so much. yeah. Yeah. Like, if I was to retire in in four or five years, which I'm planning to do, like, I wouldn't be putting money into it. So, like, can you see what I'm saying? Like, it's not really Yeah. working. Like, it's not giving me anything back. So I'm actually working to make it work, if you understand what I'm Yeah. saying. Like, No. I it's understand like it's not that. it's not it's Yeah.","start_word":444,"end_word":622,"sentiment":"neutral","sentiment_score":-0.012838110327720642},{"text":"not working for me.","start_word":623,"end_word":626,"sentiment":"negative","sentiment_score":-0.40979743003845215},{"text":"Like, No. my money That's is okay. not the investment's Yeah. not working for me. I'm working Yeah. for my investment. And it Yeah. Of course. yeah. Yeah. And that's that was the the opinion that I was putting that money across, investing it into shares and portfolios and stuff like that to make the money work for me, not me work for the money. And and it does over time, but a Yeah. portfolio can only do so much. If the market as a whole is moving down and funds are being sold out, a lot of what you see in the market at the moment is people being nervous, and it's not institutional investors buying and selling a lot of things. You know, in institutional investors are staying invested and putting more money into the dips. They know how to buy in this quality investments. But what it is is retail investors making decisions on being nervous about the oil prices, about what's happening with fuel, about the war, about high inflation still happening, the interest rates increasing because the job market is still really good.","start_word":627,"end_word":814,"sentiment":"neutral","sentiment_score":-0.1000768336209845},{"text":"So it's it's people, mom and dad investors, and retail investors that are making these emotional decisions to sell out of the market because they're nervous of what's happening, and that's causing an onflow and an onflow effect of everything else.","start_word":815,"end_word":855,"sentiment":"negative","sentiment_score":-0.4613523781299591},{"text":"At the same time, as I said, you're not held here. If you wanna go back to ART and have your money there, it's absolutely fine. You just need to give them a call, and they can organize the they can organize the rollout. They'll request it from Hub and roll the funds over. It does take time to sell out of all the investments. So, I mean, we can get things done as quickly as possible, but it does take time to sell all the investments down and have the rollover completed. So if it's something you're wanting to do, doing it sooner rather than later is really important to do. Yes. One the but as I said, investment portfolios can only work as hard as the market is, and then we always wanna make contributions into investments, whether it's in super or in your own name. Contributions make a difference because your dollar cost averaging and adding money into those investment markets, which does help to for the compounding effect. So investments will never work a 100% on their own. They always require some sort of assistance, whether it be putting smaller amounts of money in on a regular basis or a bit of money over the course of the year as well. And that's how the compounding effect works. Otherwise, you're just relying on income that's being produced out and reinvested in. Income tends to be a lot lower than growth does because growth is where you see a lot more higher risk investments as in things like international shares, Australian shares. Gold is a really good growth investment but doesn't produce any income. You're sort of looking at the growth aspect only. And when markets have a pullback like what they're seeing at the moment, having a bigger balance has a greater effect. If you think about someone with $50,000, a 5% return is much smaller than someone with a $500,000 balance. So you are gonna feel that more within hub twenty four than you are in ART. Combining them would be the better option to do, but we had to keep them separate because you wanted to keep your insurances within the ART fund there. So I think moving forward, it's just about your comfort level and what you're comfortable with and what you're gonna be comfortable with down the track because you are closer to it. I would be very mindful of maybe mentioning that if you go back to ART, which is fine, maybe reevaluate the investments that are in there because you were in more of a high growth investment in there, and moving everything back into one place with a higher balance, you're fluctuations. So maybe just reevaluate the level of risk you're taking within that fund there down the track. Okay? Yep. Okay. Yeah. And Does if that I was help to get a little bit? yeah. So if I was if I was to take it all back, what would Mhmm. I end up with taking back across? Well, with I in the email I sent you yesterday, it looks like you've seen it. Did you read through that email at all? I don't believe I got it. No? I maybe it was money that had a look at it. I sent it through to you yesterday. It looks like it has been viewed. But in Okay. the email sent through yesterday, which is there in writing, it shows that the current CGT consequence for a full sell down of everything in your fund shows about 4,129 and 5<unk>. So that's Six the six. estimated CGT that you'll that you would lose or your the tax your fund would have to pay to be able to sell everything down based on yesterday's balance. Yep. And what Yeah. was my balance? Sorry? The balance in the fund at the moment, I've got that here in front of me for you. It is currently 401,034. Jeez. It's dropped heaps. Alright. It's come So back heat. this So yeah. yeah. And look look, this is just a pullback. You haven't lost any of that money because you haven't sold anything. The rolling Yeah. back means you will be cementing the losses. There will be the CDT effect, Yeah. but it's gotta be your comfort level at the same time. I can't tell you what to do.","start_word":856,"end_word":1591,"sentiment":"neutral","sentiment_score":-0.013921111703182209},{"text":"That, unfortunately, has to be a decision that you're comfortable making.","start_word":1591,"end_word":1602,"sentiment":"negative","sentiment_score":-0.43986040353775024},{"text":"So, yeah, just think about what you wanna do. If you are wanting to, you know, roll back, just call ART, get them to submit the rollover request. If you need anything from me to do that, absolutely fine. Let me know. I'll certainly give you a hand. I am Yep. away next week. Yep. But if you can let me know kinda today or tomorrow if there's anything that you need to help you with that, that's absolutely fine. I know this is something that's been on your mind for the past couple of months, and you're kind kind of been working at what to do moving forward. So I Yes. just wanted to have this conversation with you and be honest with you as well because I don't want you to be not comfortable with the decision that you've got. So if you're not happy, you are welcome to roll back. That's not an issue. Okay? Yeah. That's alright. We just yeah. It just seems in the last, I don't know, twelve months that we've gone back, you know, $60 sort of thing. Yeah. So The markets have have had a really volatile yeah. time, and they are going to. And it's moving forward, there is gonna be a lot more volatility. There are different things that I look at to show what the volatility is. One is the VIX index if you've ever looked at that, but that shows you, essentially attracts the volatility in the market. And when it's up over 20%, you can kind of expect over the next thirty days that we're gonna see quite heavy market volatility. When the VIX index is under 20%, then you can kind of expect more of a steady market. But with the balance you have plus being in more of a high growth environment, you are taking more risk. You've got a higher balance, so you are gonna feel those market fluctuations. Combining that with not making any additional contributions into hub twenty four means that Yeah.","start_word":1602,"end_word":1940,"sentiment":"neutral","sentiment_score":-0.07484902875569366},{"text":"you are gonna feel that more drastically, and that's what's making you very nervous.","start_word":1941,"end_word":1954,"sentiment":"negative","sentiment_score":-0.6889726519584656},{"text":"So we either have to look at reducing the risk level, making more contributions, or putting you back into something that's gonna keep your comfort level there. But moving back into ART, if you stay in that high growth environment with the balance, even with the contributions going in, with the kind of volatility we are seeing at the moment, you will still feel it. So I wanna be really honest with you. You will Yep. still notice those ups and downs because you have everything in that one place. It'll be a higher balance. So it doesn't matter where your money is located. Investing it is always gonna come with risk, and you are gonna feel those ups and downs as your balance increases. Okay? Yeah. Yeah. That no. I was just I was just working it out, you know, like, in the last two years, if I would've just been doing as before I shipped it over, I would I would be ahead. Do you know what I mean? Not behind. And You then could be. I can't yeah. really And say for sure because yeah. the markets if you left everything in ART, the with the same sort of volatility we have or haven't seen, I really can't predict where you would have actually been, whether you would be in front or not. We can we're kinda using past status to sort of assume. Yep.","start_word":1955,"end_word":2192,"sentiment":"neutral","sentiment_score":-0.1274711260838168},{"text":"But, yeah, I think I think it's just better to sort of work out where you're comfortable with what you're after and, you know, how you want to proceed moving forward, essentially.","start_word":2193,"end_word":2224,"sentiment":"positive","sentiment_score":0.34363439679145813},{"text":"Yeah. Yeah. Like I said, I was just after something that, you know, I'm gonna put my money in there and it's gonna work for me instead of Yeah. me trying to work for that, you know, that so I don't understand you gotta put money in, but it's not if I was to retire, there's not it's it's gotten I couldn't live you know what I mean? Like, he couldn't live off it because it's going backwards. No. Well, the the other thing is when you're in your time and unless and if you're gonna take all of your money out all at once, then it's more of a concern. But even in retirement, you still have longevity to sort of consider. So you're gonna Yep. be taking a smaller income out on a regular basis, which means the rest of the money stays invested. In retirement, we wouldn't have you in a high growth portfolio. I have people much more conservative in retirement. They're getting less of a return, but they're also got all their investments in much much more of a safer investment, a lower risk investment area. They're looking at cash, bonds, and fixed interest.","start_word":2225,"end_word":2423,"sentiment":"neutral","sentiment_score":-0.03878609463572502},{"text":"They're not in this high growth environment. So, I definitely would be more inclined to maybe move you out of that high growth environment.","start_word":2424,"end_word":2447,"sentiment":"negative","sentiment_score":-0.34160858392715454},{"text":"I know you want the the markets to work.","start_word":2448,"end_word":2456,"sentiment":"neutral","sentiment_score":-0.0850808173418045},{"text":"You want the investments to grow and want the best return you can get, but the level of nervousness that I kind of am getting shows that maybe you're probably not best to be in that high growth environment.","start_word":2457,"end_word":2495,"sentiment":"negative","sentiment_score":-0.3922370970249176},{"text":"Maybe you should pull back the risk level a little bit, understand your returns are a bit lower by just sort of taking more of a conservative approach to things. Does that make sense? Yeah. I'm not I'm not worried about it. I'm just like I've been what I just, you know, like, you watch the market because it's your money you're playing with, but, you know, Yeah. you're like, you're selling to wake up one morning, the whole thing's freaking gone. You Yeah. know Well, these investments what I yeah. Well, these investments mean? that you're invested All in have withstood that market volatility. They've time gone through the GFC. and They've gone through COVID effort times, and they've putting come out and recovered. in. So, yes, they've seen 20 or 60% dips in the market, but they have come out, I'm sorry, and recovered and grown from there. So that's the other reason with the investors that we put you in. These things have withstood the test of time and have withstood this volatility, but it also just comes down to are you comfortable with the volatility? Are you able to stand that volatility? Do you have the tolerance for that? So, yeah, that's Yeah. essentially That's that's alright. Yeah. where I just we're at. Yeah. but but you can understand where I'm coming from looking at Yeah. the figures. Absolutely. And that's that's where, you know, you're gonna say you're saying, like, understand that you've got to, like, you know, you're not comfortable with it, but Yeah. you just Yeah. gotta you gotta look at the in the last two years, you know, like, when you when I was working it out, I would've been better off just putting money into the super side of it. You know what I mean? Yeah. To where we Absolutely. are now. Yeah. Yeah. No. That's fine. That's not a problem at all. It it sounds to me like you've kind of made your mind up. You're sort of wanting to move back to ART at this point. Am I on the right track with where things are at? No. I I keep bringing you because No. I'm just I'm watching my profile and it doesn't seem to be performing well. So that's why I Yeah. just keep bringing you. I'm not I'm concerned that, you know, we're investing in stuff and it's not performing well and we're holding it too long and we're not investing in into stuff that's, you know and we're going backwards. That's why I keep keep in touch with you guys instead of just leaving it alone Because it's not we're going we seem to be going backwards. We're not, you know, we're not going forward. And it's been going back Yeah. for a while and that's why I Yeah. keep talking to you guys about Yeah. Well, it. So I like moving and rather forward. investing in the wrong wrong stuff or we're not watching that market or I'm not sure, but it just seems to be going backwards instead of going forward Yeah. even Well, before look, this I've volatility. Yeah. Sorry. yeah.","start_word":2496,"end_word":3024,"sentiment":"neutral","sentiment_score":-0.062277172894581505},{"text":"Over the whole, your portfolio has done really well. In the email, if you sort of have a look, over the past two years, you've had a net return of over 13.4%. So that's actually pretty good.","start_word":3025,"end_word":3061,"sentiment":"positive","sentiment_score":0.42234817147254944},{"text":"Yep. You have gone you are up from where you were when you came on board, which is important to kind of note. However, with the volatility at the moment, it's affecting all the industries, all the classes, all everything.","start_word":3062,"end_word":3101,"sentiment":"neutral","sentiment_score":-0.03070472367107868},{"text":"So there's really kind of no getting around what's happening at the moment.","start_word":3102,"end_word":3114,"sentiment":"negative","sentiment_score":-0.385368674993515},{"text":"And even if we are just buying and selling, we have to be careful.","start_word":3115,"end_word":3128,"sentiment":"neutral","sentiment_score":-0.2885919213294983},{"text":"Whilst there may be investments that are performing better out there at the moment, if we just sell what we have now and buy into that for the short term, we're essentially day trading a super, which is dangerous because we're not able no one can tell where the top or the bottom of the market is.","start_word":3129,"end_word":3185,"sentiment":"negative","sentiment_score":-0.35867947340011597},{"text":"No one knows what's going to happen, And super is supposed to be a long term investment. We're sitting here. We're investing in quality investments that have seen the ups and downs of volatility, have come back through those times and provide a greater growth because of it.","start_word":3186,"end_word":3233,"sentiment":"neutral","sentiment_score":-0.14064691960811615},{"text":"If we see you know, if something happens and we see one investment might be down this week by that 10% and we sell out of that, you're cementing that loss. You have no way of making that back.","start_word":3234,"end_word":3272,"sentiment":"negative","sentiment_score":-0.5099958181381226},{"text":"Whereas Yep. if we're down at the moment, we haven't sold any of the investment. Therefore, the investment has a chance to come back and recover.","start_word":3273,"end_word":3298,"sentiment":"neutral","sentiment_score":-0.2558916509151459},{"text":"With the advice you and I discussed last time, we are looking to get rid of Benelon because Benelon hasn't been performing very well.","start_word":3299,"end_word":3322,"sentiment":"negative","sentiment_score":-0.35672494769096375},{"text":"My team have been doing the research to work out what we need to do. The last of the part was the admins have been trying to get an updated ARC statement from you, and they haven't been able to get a hold of you to get that. Have you No. been able to obtain the statement there? Because we need a regular statement to show the updated balance that we're working on factual information for the updated device, Yeah. and that's kind of where the holdup is at the moment. I'll I'll try and get that today. Sorry. Yep.","start_word":3323,"end_word":3422,"sentiment":"neutral","sentiment_score":-0.1259346902370453},{"text":"Beautiful.","start_word":3423,"end_word":3423,"sentiment":"positive","sentiment_score":0.3811416029930115},{"text":"If you can, we can update the advice, and I can go through and show you what we're recommending to alter to change the so to change the portfolio. Yeah. Is it But, an annual again, statement? Is it? Sorry. Annual statement? it's just just an updated balance. If you can log in to the Yes. portal and get the updated balance showing the investments you're in and your balance as of today, we can do the the advice for you, and I'll be able to present it to you in about two weeks there to show you what we're recommending we make changes to for you. Yep. And then you get to decide whether you take that or not, whether you stay on board, or whether you wanna go back to ART. Okay? Yep. Okay. Alright.","start_word":3424,"end_word":3560,"sentiment":"neutral","sentiment_score":0.1079232123863958},{"text":"Well, thanks for that. All good. That's okay.","start_word":3561,"end_word":3568,"sentiment":"positive","sentiment_score":0.5446879267692566},{"text":"With the with the investment profile, when we spoke last time, you wanted to stay in that high growth environment. Do you still want me to do that, or do you wanna reassess the this level and maybe look at reducing that somewhat? No. I'm alright for now. I'm just trying to work out whether I just take it back, like, Yep. back across or not. Yeah. Because can Yep. you take it back in, like, a super would it be taken back over in in, like, placing investments back into super cash? If would it go back as that? Or You can do that if you want to. Essentially, what happens is when you request the rollover from ART, they'll request from Hub. Hub will sell everything down to cash or make yeah. us sell everything down to cash. It will all roll back into ART. You just have to tell ART Yep. what you want to do. If you want them to hold that in cash, they will hold it in cash. But you just have to tell them what investments you want that whether you wanna bought into your investment portfolio there as it is or whether you want them to hold that in cash, and they will follow your directive. Yeah. Okay. Yeah. Okay. Okay. Alright. No worries.","start_word":3569,"end_word":3790,"sentiment":"neutral","sentiment_score":-0.00554393557831645},{"text":"All Thanks good. for that.","start_word":3791,"end_word":3795,"sentiment":"positive","sentiment_score":0.5239132046699524},{"text":"And I'll just email you that letter.","start_word":3796,"end_word":3802,"sentiment":"neutral","sentiment_score":0.2897963225841522},{"text":"Yeah. If you can email me the statement, that'd be fabulous.","start_word":3803,"end_word":3813,"sentiment":"positive","sentiment_score":0.5364376306533813},{"text":"From this point in time, I'll can I'll keep working on the advice for you, and we'll book it in for the next two weeks to have it presented. Did you want to book in a time now with you to go through it in two weeks?","start_word":3814,"end_word":3860,"sentiment":"neutral","sentiment_score":0.18792180320683943},{"text":"Yeah. That'd be good. Thanks.","start_word":3861,"end_word":3865,"sentiment":"positive","sentiment_score":0.5933458805084229},{"text":"Yeah. I've got the Thursday, April 16 available at about 09:00 Queensland, Oh, it's 09:00 everyone's time then. 09:00. Would that be okay?","start_word":3866,"end_word":3888,"sentiment":"neutral","sentiment_score":0.07980378717184067},{"text":"Yeah. That's perfect. Yeah. Beautiful.","start_word":3889,"end_word":3893,"sentiment":"positive","sentiment_score":0.6731718182563782},{"text":"If anything changes, let me know. I'll send you an email with the time and date on that one. But in the meantime, you decide you wanna roll back, if you can just email me and let me know or just let me know. That way, you know, if anything changes, I can just stop looking at the advice side of things for you. Yep. But just let me know what you decide. Okay?","start_word":3894,"end_word":3967,"sentiment":"neutral","sentiment_score":0.10464943200349808},{"text":"Alright. Thanks for that. That's okay, Paul. Thanks for your time. Alright. Bye. See you later.","start_word":3968,"end_word":3983,"sentiment":"positive","sentiment_score":0.5516422986984253}],"average":{"sentiment":"neutral","sentiment_score":-0.05014978734801818}}}}