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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy. Yeah. Well, I will try my best to make this as quick as I can for you. But before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at? Yep. Perfect. So what I will do first is I have to send you an email with some documents, but sometimes it takes a little bit to come through. So what I will do is just to run through a bit of an updated fact find with you first just to see if there is anything major that has changed in your life that then might mean that would you have to make some changes. So just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case as well? Yep. Perfect. And next up, Ken, I have your wife nominated. Phone number ending in 623. That's still the case as well? Yep. Perfect. Now when it comes to occupation, what is it that you do for work? Perfect. And do you enjoy it? Yeah. That's good. And you're working full time? Yep. Perfect. And I imagine that's mainly just office based? Hybrid? And is that hybrid working from home in office or hybrid as in working in office and being on-site? Oh, yeah. Perfect. That's nice. Now income wise, I have here that last time we spoke to you, it was around 92,500. Is that still the case, or has that changed at all? Oh, nice. 25. Perfect. Now is that based and do you earn any in car sorry, any overtime or bonuses or anything, or does it roughly stay the same? Okay. Perfect. And your employer, they just pay you that standard 12% contribution into super, or do you have a special, like, EBA in place or anything with them? Just a standard 12. Perfect. And you're not making any additional contributions? Is that from your employer? Yep. Great. Assets and liabilities wise, I have here that your property, last time we spoke to you, was right at about 622,000. Do you know if that's the case, or has that gone up a little bit? Do you know? No. That's okay. Do you think roughly after everything you'll be leaving at the same? Alright. Perfect. I'll do $6.40. Now mortgage, I have here about 450. 04:30. Perfect. Thank you. Now I also have here that you have two motor vehicles, one valued at 11,000 and one at 3,000. Is that still the case? Mhmm. Okay. Mhmm. Okay. Yep. Yep. Yeah. No. That's okay. I'll just put it in. So you bought it last year. What kind of car is it? Yeah. That will be handy now with fuel prices for you guys. And okay. So when you bought it, did you put a deposit down on it, or was it mainly just, like, the whole amount on the on the current loan and then you're just repaying after you go? Okay. The loan no. That's okay. And do you know what your repayments are at all? Mhmm. Yeah. No. That's okay. Gives me a bit of an idea anyway. So that's good. And then the 3,000 and the other 11,000, you sold those? Yep. Okay. Perfect. I also have here that you have about 3,000 in an offset account. Yeah. About 5. Perfect. And you also have some shares about $7,000. Perfect. And is that just on a trading platform, or how do you have those shares? Okay. And what platforms are they? Yeah. Perfect. Now do you have any other assets that's changed in the last twelve months that we haven't gone over yet? Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, SIP pay? Yep. Okay. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well? Yep. Perfect. And do you have private health insurance? Yep. And that is hospital as well? Yeah. Great. Perfect. Especially now with your income being a bit higher as well, You do wanna avoid that extra medical levy surcharge. So that's good that you do have the private health with hospitals, so that is great. Now estate planning wise, I have here your wife nominated for your beneficiary. So if something were to happen to you, it will all go to her. That's still the case as well? Yep. Perfect. And because it is going to a spouse, if something ever were to happen, she will receive everything tax free as well, which is great. And do you guys have a will in place or power of attorney or anything like that? No. That's okay. But you don't have anyone who makes any financial decisions on your behalf, otherwise? Yeah. Yep. It is good to still consider I always tell everyone that it is good to have a will in place with us just to make everything as as streamlined as possible. If something ever were to happen, you can always get dual wills as well, potentially. So if something ever were to happen to you and your wife's assets and stuff, I do always suggest it is good to have a look at. Obviously, completely up to you. You can do it different ways. Obviously, the most comprehensive way is going through a lawyer. Some people, if you don't have a very complex estate or you don't wanna spend the money on the lawyer, you can even just get, like, a will kit from the post office, which is a lot cheaper. The only thing with that is just making sure if you do decide to go down that way, to just read instructions carefully and complete it correctly. So if something ever were to happen, it will hold up in court. Yep. Perfect. Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now? No. That's okay. Yeah. I mean, if it ever changes, just let me know, and we can always send you some information. If not, it's always good to have in the back of your mind. But the good thing is that because your superannuation and insurances does not form part of the estate, because you do have a valid nomination in place for those, that will definitely go to your your wife if something were to happen as well. So that's all sorted for you. Yep. Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, often doing the interview is good to kind of check-in to be like, okay. What was your goals last year? How did you go with or do you need any further assistance with anything, or has anything changed? Now when we spoke to you last time, your main focus was to potentially buy an investment property. Is that still kind of on the cards and something you guys are working towards, or has that changed? Okay. Okay. Yep. Okay. No problem. Otherwise, looking a bit more medium term goal, your your focus was to kinda get your son through high school in the next two years, I believe, and to put him through private school and potentially save up a little bit for that. Is that still kind of something you guys are working towards? Oh, great. Well, that's great. We've definitely achieved that. Sorry. I'll update that. That's great. And aside from that, I have here that you're you're basically just focusing on paying down the mortgage as much as possible. I know you said you are making a bit of extra repayments on the mortgage. Is that kind of your main focus aside from the investment property otherwise? Yep. Yeah. Bit of a no. Just me. Yep. Yeah. Oh, that's good. And I think that's a really good way to do things as well. Now when it comes to superannuation for you, I do have it down here that, ideally, you would like to retire at the age of 67. Is that still the plan? Do you you're happy to work a bit longer, or would you like to start your own income at 60 when you can? Or or what are your thoughts? I have 67 noted down here for you. Yep. That's what most people say, so I will just change that to 60. Now with the current legislation, you if you retire, you can access your super company tax free at the age of 60, between 60 and 65. So if you wanted to, you know, reduce your hours, like a bit of part time, but still want to draw a bit of an income from your superannuation as well, you can do that under a transition to retirement strategy. So if, you know, that is something you're interested in down the line when you get closer to that, we can look at that for you. Or, otherwise, 65, if you keep working, you can then access everything tax free. 67 is age pension. Does that make sense? Yep. Perfect. And I have here as well that from a weekly income from superannuation when you do retire, that you would like to draw about a thousand dollars per week. Do you see still think that would be achievable, or do you think you need a little bit more for, like, living expenses and everything for you? Yeah. Yes. How much? What I would no. And and and that's perfectly fine. And and to be fair, most people say between 1,000 up to 1,500, maybe 2,000, depending on how obviously extravagant you want your lifestyle during retirement, but then also your other assets. Because for most people, the goal is to be, you know, not have too much mortgage attached to their property. So then you don't really have those repayments to worry about, and it will be mainly just to cover, you know, living expenses, doing some traveling, and just enjoy retirement, essentially. Now when it comes to your superannuation as well, the next thing I run through with you quickly there is just a bit of an updated risk profile questionnaire, and that is just to see if your risk tolerance or anything has changed when it comes to your superannuation investments, if we need to make any changes. So it is all multiple choice to make it nice and easy, and there is no right or wrong answer. Does that make sense? Yep. Perfect. Now when it comes to your personal investments as well, is that mainly, like, ETFs, managed funds, or do you have direct shares as well? Yep. Okay. Yep. No. That's all good. Now next is when it comes to inflation. So inflation, obviously, means things are getting more expensive over time, making your money worth less and everything. It's costing a little bit more. Now how much of a risk are you willing to take in order to kinda keep up with the the rising prices and everything thinking about your superannuation? Would you say yeah. No. So, basically, it talks about increasing prices and everything continues to go up and getting more expensive and how much risk you are willing to take in order to try and make sure that you stay on top of the increasing prices and everything like that. So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk? Mhmm. Yep. Perfect. And volatility wise, how would you feel if, let's say, after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So it's not like one particular investment that's gone bad, just general trends happening in the market, which we've seen a little bit over the last twelve months. Now would you say that if you had the option to do so, you'd wanna take advantage of the drop in prices by thinking that now is a good time to invest a little bit more? Would you hold and kind of wait and see what happens, or would you want to shift to a bit more of a secure asset? So that means you are then selling when the prices have already dropped. Yeah. Yeah. Mhmm. Mhmm. Depending on circumstances and stuff. No. That makes sense. Some of these questions is a little bit some of these questions is a bit tricky as well because it's very much circumstantial, and it's more so just to kinda gauge your behavior in regards to it and how you'd feel in certain environment. Sorry. And, yeah, I completely understand that sometimes different scenarios would obviously mean different outcomes. But that at least is good to know. Now next is, again, when it comes to fluctuation. So superannuation, property, your personal investments, anything like that, if any has ever fallen in value, how did that make you feel? Would you say optimistic about future investment opportunities? A bit more kind of neutral, cautious, not making further investments, or highly anxious? Highly anxious. Yep. That's good. You see the value kinda with the market. Mhmm. Yep. Yes. Yes. No. Perfect. That no. That's that's really good. And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. You would be open for borrowing for an investment property, though? Yep. Alright. Perfect. Now that tells me here that you are kind of borderline between a high growth and an aggressive investor. Now at the moment, we do have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive portfolio? Sorry. An aggressive investor at all and how it all works? Correct. Yeah. And that is very spot on. And it basically exactly like that is tailored for investors who are obviously plenty of time until retirement, Happy to see short term fluctuations in order to try to grow your super as much as possible over the long term. Time frame wise, you do have plenty of time until retirement, and we ideally like to see about ten years until retirement in aggressive portfolio, which you certainly have behind you to kind of wait for those fluctuations to come back around. And when it comes through how your assets are invested, we see around 95 to about a 100 is invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities, and that is ultimately what's going to maximize those returns for you. And then between about 5% or less will be in your defensive, like your cash, your gold, your fixed interest. Payment fluctuations a little bit, but the main focus is to be kind of invested in those growth investments to to give you that growth over the long term. Does that all make sense? Are you still happy for now to be in an aggressive portfolio? Yep. Yep. Perfect. And that's usually the case as well. Obviously, the closer you get to retirement, that's when people want to start slowly reducing their risk down a little bit because you don't have as much time in the market. So it would definitely make sense from a time frame point of view. It seems like you have a pretty good understanding of the market and that they do fluctuate as well, which is great. Now have you received an email from myself at all in the last ten, fifteen minutes? Yeah. No. That's yeah. That's okay. Are you do you have the opportunity to access it on your phone? Or yeah. Yeah. Sure. Because otherwise, if you don't, I can always just run through them with you while you can't see them. And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them. It is completely up to you. Yeah. Okay. Perfect. Now we have recently changed the software as well. So when you do have a look at the documents, if it looks a little bit different, that's why the principle is still the same. Click on the email. Click on the link where it says sign now. Now it will still allow you to open up all the documents before it prompts you to sign anything so that you can review them first. But, essentially, when you do have a look at it, you will see a couple of documents. Now one is your super and insurance summary. Now you have your super with Netwealth, and you do have about a $119,987 in there at the moment. Now you also have some insurances with Clearview, and you have life and total permanent disability insurance. And that is covering you for $532,840. Now with your life and TPD, because it is structured and paid from within superannuation, you do get a tax rebate. So the total premium you pay for both those two is $481 per year. Now when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less? Or what are your thoughts in regards to that life and TPD for you? Yep. Perfect. And I can see here as well that you don't have income protection or trauma insurance. You're still comfortable without those two insurance policies? Yep. Okay. Perfect. If anything ever changes down the track as well, just let us know. It doesn't have to be at annual review time. It can be any time as well if if you do change your mind. Now you will also see your Clearview certificate of currency added in the email there for you. It just breaks down your insurances in a little bit more detail, but, basically, just lets you know that's all paid and up to date. Now what you also have is then a Netwealth performance report. Do you go in and have a look at your super investments every now and then, or is that not something you really pay much attention to? Yeah. Yeah. Okay. Oh, well, that's good. Now the report that I have included for you, it gives you a snapshot over the last twelve months. So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments. It also gives you a total portfolio review, so the total return of the portfolio for you. And in the last twelve months, you kind of touched on as well. We have seen a little bit of fluctuation obviously in the market, a bit of ups and downs. But despite all of that, though, and despite that we do have you in an aggressive portfolio, your portfolio overall has still done really good. So over the last twelve months, now this is all after fees. So after all fees have been deducted from your account, your portfolio has still gone up by 11.31% from your investments, which is really good. Yeah. Do you have any questions so far? That's pretty straightforward. Yep. Okay. No. No. I'll try to make it quick. I'll do it as fast as I can. It seems like you're pretty on top of it, so I'm happy to skip most of the other documents. But the only thing I do wanna let you know is that if you're happy to do so, I will just need you to sign two documents. One is an ongoing service agreement. That is just to say that you are happy to stay on as a client. Now there's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super, not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, but this lets us service your account and manage your investments for you in the meantime. Does that make sense? Yep. Alright. Perfect. Well, I will let you go. Have a look through the document when you have a bit more time. If you have any questions in regards to anything, we haven't gone through a lot of the rest. It's just kind of compliance documents. Have a read over it. Let me know if you have any questions. If not, if you're happy, I will just need you to sign those documents there for me, and they will come through, and I will get that all processed for you. And if you need anything else in the meantime, though, don't hesitate to give me a call. No problem at all. We'll speak soon. 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afternoon. This is Veronica from OQ Financial. How are you? I'm good. Thanks.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect.\n\nThat's exactly what I have here. And how's your day been so far? I've been busy. Yeah. Well, I will try my best to make this as quick as I can for you.\n\nBut before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at? Yep. Perfect. So what I will do first is I have to send you an email with some documents, but sometimes it takes a little bit to come through. So what I will do is just to run through a bit of an updated fact find with you first just to see if there is anything major that has changed in your life that then might mean that would you have to make some changes.\n\nSo just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case as well? Yep. Perfect.\n\nAnd next up, Ken, I have your wife nominated. Phone number ending in 623. That's still the case as well? Yep. Perfect.\n\nNow when it comes to occupation, what is it that you do for work? Perfect. And do you enjoy it? Yeah. That's good.\n\nAnd you're working full time? Yep. Perfect. And I imagine that's mainly just office based? Hybrid?\n\nAnd is that hybrid working from home in office or hybrid as in working in office and being on-site? Oh, yeah. Perfect. That's nice. Now income wise, I have here that last time we spoke to you, it was around 92,500.\n\nIs that still the case, or has that changed at all? Oh, nice. 25. Perfect. Now is that based and do you earn any in car sorry, any overtime or bonuses or anything, or does it roughly stay the same?\n\nOkay. Perfect. And your employer, they just pay you that standard 12% contribution into super, or do you have a special, like, EBA in place or anything with them? Just a standard 12. Perfect.\n\nAnd you're not making any additional contributions? Is that from your employer? Yep. Great. Assets and liabilities wise, I have here that your property, last time we spoke to you, was right at about 622,000.\n\nDo you know if that's the case, or has that gone up a little bit? Do you know? No. That's okay. Do you think roughly after everything you'll be leaving at the same?\n\nAlright. Perfect. I'll do $6.40. Now mortgage, I have here about 450. 04:30.\n\nPerfect. Thank you. Now I also have here that you have two motor vehicles, one valued at 11,000 and one at 3,000. Is that still the case? Mhmm.\n\nOkay. Mhmm. Okay. Yep. Yep.\n\nYeah. No. That's okay. I'll just put it in. So you bought it last year.\n\nWhat kind of car is it? Yeah. That will be handy now with fuel prices for you guys. And okay. So when you bought it, did you put a deposit down on it, or was it mainly just, like, the whole amount on the on the current loan and then you're just repaying after you go?\n\nOkay. The loan no. That's okay. And do you know what your repayments are at all? Mhmm.\n\nYeah. No. That's okay. Gives me a bit of an idea anyway. So that's good.\n\nAnd then the 3,000 and the other 11,000, you sold those? Yep. Okay. Perfect. I also have here that you have about 3,000 in an offset account.\n\nYeah. About 5. Perfect. And you also have some shares about $7,000. Perfect.\n\nAnd is that just on a trading platform, or how do you have those shares? Okay. And what platforms are they? Yeah. Perfect.\n\nNow do you have any other assets that's changed in the last twelve months that we haven't gone over yet? Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, SIP pay? Yep.\n\nOkay. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well? Yep.\n\nPerfect. And do you have private health insurance? Yep. And that is hospital as well? Yeah.\n\nGreat. Perfect. Especially now with your income being a bit higher as well, You do wanna avoid that extra medical levy surcharge. So that's good that you do have the private health with hospitals, so that is great. Now estate planning wise, I have here your wife nominated for your beneficiary.\n\nSo if something were to happen to you, it will all go to her. That's still the case as well? Yep. Perfect. And because it is going to a spouse, if something ever were to happen, she will receive everything tax free as well, which is great.\n\nAnd do you guys have a will in place or power of attorney or anything like that? No. That's okay. But you don't have anyone who makes any financial decisions on your behalf, otherwise? Yeah.\n\nYep. It is good to still consider I always tell everyone that it is good to have a will in place with us just to make everything as as streamlined as possible. If something ever were to happen, you can always get dual wills as well, potentially. So if something ever were to happen to you and your wife's assets and stuff, I do always suggest it is good to have a look at. Obviously, completely up to you.\n\nYou can do it different ways. Obviously, the most comprehensive way is going through a lawyer. Some people, if you don't have a very complex estate or you don't wanna spend the money on the lawyer, you can even just get, like, a will kit from the post office, which is a lot cheaper. The only thing with that is just making sure if you do decide to go down that way, to just read instructions carefully and complete it correctly. So if something ever were to happen, it will hold up in court.\n\nYep. Perfect. Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now? No. That's okay.\n\nYeah. I mean, if it ever changes, just let me know, and we can always send you some information. If not, it's always good to have in the back of your mind. But the good thing is that because your superannuation and insurances does not form part of the estate, because you do have a valid nomination in place for those, that will definitely go to your your wife if something were to happen as well. So that's all sorted for you.\n\nYep. Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, often doing the interview is good to kind of check-in to be like, okay. What was your goals last year? How did you go with or do you need any further assistance with anything, or has anything changed? Now when we spoke to you last time, your main focus was to potentially buy an investment property.\n\nIs that still kind of on the cards and something you guys are working towards, or has that changed? Okay. Okay. Yep. Okay.\n\nNo problem. Otherwise, looking a bit more medium term goal, your your focus was to kinda get your son through high school in the next two years, I believe, and to put him through private school and potentially save up a little bit for that. Is that still kind of something you guys are working towards? Oh, great. Well, that's great.\n\nWe've definitely achieved that. Sorry. I'll update that. That's great. And aside from that, I have here that you're you're basically just focusing on paying down the mortgage as much as possible.\n\nI know you said you are making a bit of extra repayments on the mortgage. Is that kind of your main focus aside from the investment property otherwise? Yep. Yeah. Bit of a no.\n\nJust me. Yep. Yeah. Oh, that's good. And I think that's a really good way to do things as well.\n\nNow when it comes to superannuation for you, I do have it down here that, ideally, you would like to retire at the age of 67. Is that still the plan? Do you you're happy to work a bit longer, or would you like to start your own income at 60 when you can? Or or what are your thoughts? I have 67 noted down here for you.\n\nYep. That's what most people say, so I will just change that to 60. Now with the current legislation, you if you retire, you can access your super company tax free at the age of 60, between 60 and 65. So if you wanted to, you know, reduce your hours, like a bit of part time, but still want to draw a bit of an income from your superannuation as well, you can do that under a transition to retirement strategy. So if, you know, that is something you're interested in down the line when you get closer to that, we can look at that for you.\n\nOr, otherwise, 65, if you keep working, you can then access everything tax free. 67 is age pension. Does that make sense? Yep. Perfect.\n\nAnd I have here as well that from a weekly income from superannuation when you do retire, that you would like to draw about a thousand dollars per week. Do you see still think that would be achievable, or do you think you need a little bit more for, like, living expenses and everything for you? Yeah. Yes. How much?\n\nWhat I would no. And and and that's perfectly fine. And and to be fair, most people say between 1,000 up to 1,500, maybe 2,000, depending on how obviously extravagant you want your lifestyle during retirement, but then also your other assets. Because for most people, the goal is to be, you know, not have too much mortgage attached to their property. So then you don't really have those repayments to worry about, and it will be mainly just to cover, you know, living expenses, doing some traveling, and just enjoy retirement, essentially.\n\nNow when it comes to your superannuation as well, the next thing I run through with you quickly there is just a bit of an updated risk profile questionnaire, and that is just to see if your risk tolerance or anything has changed when it comes to your superannuation investments, if we need to make any changes. So it is all multiple choice to make it nice and easy, and there is no right or wrong answer. Does that make sense? Yep. Perfect.\n\nNow when it comes to your personal investments as well, is that mainly, like, ETFs, managed funds, or do you have direct shares as well? Yep. Okay. Yep. No.\n\nThat's all good. Now next is when it comes to inflation. So inflation, obviously, means things are getting more expensive over time, making your money worth less and everything. It's costing a little bit more. Now how much of a risk are you willing to take in order to kinda keep up with the the rising prices and everything thinking about your superannuation?\n\nWould you say yeah. No. So, basically, it talks about increasing prices and everything continues to go up and getting more expensive and how much risk you are willing to take in order to try and make sure that you stay on top of the increasing prices and everything like that. So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk? Mhmm.\n\nYep. Perfect. And volatility wise, how would you feel if, let's say, after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So it's not like one particular investment that's gone bad, just general trends happening in the market, which we've seen a little bit over the last twelve months. Now would you say that if you had the option to do so, you'd wanna take advantage of the drop in prices by thinking that now is a good time to invest a little bit more?\n\nWould you hold and kind of wait and see what happens, or would you want to shift to a bit more of a secure asset? So that means you are then selling when the prices have already dropped. Yeah. Yeah. Mhmm.\n\nMhmm. Depending on circumstances and stuff. No. That makes sense. Some of these questions is a little bit some of these questions is a bit tricky as well because it's very much circumstantial, and it's more so just to kinda gauge your behavior in regards to it and how you'd feel in certain environment.\n\nSorry. And, yeah, I completely understand that sometimes different scenarios would obviously mean different outcomes. But that at least is good to know. Now next is, again, when it comes to fluctuation. So superannuation, property, your personal investments, anything like that, if any has ever fallen in value, how did that make you feel?\n\nWould you say optimistic about future investment opportunities? A bit more kind of neutral, cautious, not making further investments, or highly anxious? Highly anxious. Yep. That's good.\n\nYou see the value kinda with the market. Mhmm. Yep. Yes. Yes.\n\nNo. Perfect. That no. That's that's really good. And the last question here is in regards to borrowing money.\n\nSo would you ever consider taking out a loan to invest in stocks or funds? No. You would be open for borrowing for an investment property, though? Yep. Alright.\n\nPerfect. Now that tells me here that you are kind of borderline between a high growth and an aggressive investor. Now at the moment, we do have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive portfolio? Sorry.\n\nAn aggressive investor at all and how it all works? Correct. Yeah. And that is very spot on. And it basically exactly like that is tailored for investors who are obviously plenty of time until retirement, Happy to see short term fluctuations in order to try to grow your super as much as possible over the long term.\n\nTime frame wise, you do have plenty of time until retirement, and we ideally like to see about ten years until retirement in aggressive portfolio, which you certainly have behind you to kind of wait for those fluctuations to come back around. And when it comes through how your assets are invested, we see around 95 to about a 100 is invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities, and that is ultimately what's going to maximize those returns for you. And then between about 5% or less will be in your defensive, like your cash, your gold, your fixed interest. Payment fluctuations a little bit, but the main focus is to be kind of invested in those growth investments to to give you that growth over the long term.\n\nDoes that all make sense? Are you still happy for now to be in an aggressive portfolio? Yep. Yep. Perfect.\n\nAnd that's usually the case as well. Obviously, the closer you get to retirement, that's when people want to start slowly reducing their risk down a little bit because you don't have as much time in the market. So it would definitely make sense from a time frame point of view. It seems like you have a pretty good understanding of the market and that they do fluctuate as well, which is great. Now have you received an email from myself at all in the last ten, fifteen minutes?\n\nYeah. No. That's yeah. That's okay. Are you do you have the opportunity to access it on your phone?\n\nOr yeah. Yeah. Sure. Because otherwise, if you don't, I can always just run through them with you while you can't see them. And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them.\n\nIt is completely up to you. Yeah. Okay. Perfect. Now we have recently changed the software as well.\n\nSo when you do have a look at the documents, if it looks a little bit different, that's why the principle is still the same. Click on the email. Click on the link where it says sign now. Now it will still allow you to open up all the documents before it prompts you to sign anything so that you can review them first. But, essentially, when you do have a look at it, you will see a couple of documents.\n\nNow one is your super and insurance summary. Now you have your super with Netwealth, and you do have about a $119,987 in there at the moment. Now you also have some insurances with Clearview, and you have life and total permanent disability insurance. And that is covering you for $532,840. Now with your life and TPD, because it is structured and paid from within superannuation, you do get a tax rebate.\n\nSo the total premium you pay for both those two is $481 per year. Now when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less? Or what are your thoughts in regards to that life and TPD for you? Yep. Perfect.\n\nAnd I can see here as well that you don't have income protection or trauma insurance. You're still comfortable without those two insurance policies? Yep. Okay. Perfect.\n\nIf anything ever changes down the track as well, just let us know. It doesn't have to be at annual review time. It can be any time as well if if you do change your mind. Now you will also see your Clearview certificate of currency added in the email there for you. It just breaks down your insurances in a little bit more detail, but, basically, just lets you know that's all paid and up to date.\n\nNow what you also have is then a Netwealth performance report. Do you go in and have a look at your super investments every now and then, or is that not something you really pay much attention to? Yeah. Yeah. Okay.\n\nOh, well, that's good. Now the report that I have included for you, it gives you a snapshot over the last twelve months. So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments. It also gives you a total portfolio review, so the total return of the portfolio for you. And in the last twelve months, you kind of touched on as well.\n\nWe have seen a little bit of fluctuation obviously in the market, a bit of ups and downs. But despite all of that, though, and despite that we do have you in an aggressive portfolio, your portfolio overall has still done really good. So over the last twelve months, now this is all after fees. So after all fees have been deducted from your account, your portfolio has still gone up by 11.31% from your investments, which is really good. Yeah.\n\nDo you have any questions so far? That's pretty straightforward. Yep. Okay. No.\n\nNo. I'll try to make it quick. I'll do it as fast as I can. It seems like you're pretty on top of it, so I'm happy to skip most of the other documents. But the only thing I do wanna let you know is that if you're happy to do so, I will just need you to sign two documents.\n\nOne is an ongoing service agreement. That is just to say that you are happy to stay on as a client. Now there's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super, not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, but this lets us service your account and manage your investments for you in the meantime.\n\nDoes that make sense? Yep. Alright. Perfect. Well, I will let you go.\n\nHave a look through the document when you have a bit more time. If you have any questions in regards to anything, we haven't gone through a lot of the rest. It's just kind of compliance documents. Have a read over it. Let me know if you have any questions.\n\nIf not, if you're happy, I will just need you to sign those documents there for me, and they will come through, and I will get that all processed for you. And if you need anything else in the meantime, though, don't hesitate to give me a call. No problem at all. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.29705430567264557},{"text":"This is Veronica from OQ Financial.","start":3.12,"end":5.22,"sentiment":"neutral","sentiment_score":0.22702118506034216},{"text":"How are you?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.1510757307211558},{"text":"I'm good.","start":7.8399997,"end":8.48,"sentiment":"positive","sentiment_score":0.5655669867992401},{"text":"Thanks.","start":8.48,"end":8.98,"sentiment":"positive","sentiment_score":0.6608413457870483}],"sentiment":"neutral","sentiment_score":0.30010273094688145,"num_words":14,"start":2.3999999,"end":8.98},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":9.92,"end":12.88,"sentiment":"positive","sentiment_score":0.40053116462447425},{"text":"Is now still a good time for you?","start":12.88,"end":14.595,"sentiment":"neutral","sentiment_score":0.3170766048133373},{"text":"Yes.","start":15.635,"end":16.135,"sentiment":"neutral","sentiment_score":0.1902785301208496},{"text":"Perfect.","start":16.195,"end":16.695,"sentiment":"neutral","sentiment_score":0.3146366477012634},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.075,"end":24.855,"sentiment":"neutral","sentiment_score":0.05018771452636554}],"sentiment":"neutral","sentiment_score":0.17805629096925257,"num_words":50,"start":9.92,"end":24.855},{"sentences":[{"text":"Perfect.","start":26.515,"end":27.015,"sentiment":"neutral","sentiment_score":0.3091898262500763},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":27.26,"end":36.96,"sentiment":"neutral","sentiment_score":0.07436860352754593},{"text":"Yep.","start":41.835,"end":42.335,"sentiment":"neutral","sentiment_score":0.014786123298108578},{"text":"Yep.","start":45.515,"end":46.015,"sentiment":"neutral","sentiment_score":0.11175637692213058},{"text":"Perfect.","start":46.075,"end":46.555,"sentiment":"positive","sentiment_score":0.41611790657043457}],"sentiment":"neutral","sentiment_score":0.09020791263984783,"num_words":35,"start":26.515,"end":46.555},{"sentences":[{"text":"That's exactly what I have here.","start":46.555,"end":47.995,"sentiment":"positive","sentiment_score":0.4954814265171687},{"text":"And how's your day been so far?","start":47.995,"end":49.595,"sentiment":"neutral","sentiment_score":0.16134444730622427},{"text":"I've been busy.","start":49.595,"end":50.415,"sentiment":"neutral","sentiment_score":-0.18424166242281595},{"text":"Yeah.","start":53.05,"end":53.21,"sentiment":"neutral","sentiment_score":-0.03105686977505684},{"text":"Well, I will try my best to make this as quick as I can for you.","start":53.21,"end":56.43,"sentiment":"neutral","sentiment_score":0.024158861255273223}],"sentiment":"neutral","sentiment_score":0.11833513979658936,"num_words":33,"start":46.555,"end":56.43},{"sentences":[{"text":"But before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at?","start":57.37,"end":71.755,"sentiment":"neutral","sentiment_score":-0.002345225739258307},{"text":"Yep.","start":82.07001,"end":82.57001,"sentiment":"neutral","sentiment_score":0.08988319337368011},{"text":"Perfect.","start":82.630005,"end":83.130005,"sentiment":"neutral","sentiment_score":0.17630499601364136},{"text":"So what I will do first is I have to send you an email with some documents, but sometimes it takes a little bit to come through.","start":83.75,"end":90.39,"sentiment":"neutral","sentiment_score":0.05021858277420203},{"text":"So what I will do is just to run through a bit of an updated fact find with you first just to see if there is anything major that has changed in your life that then might mean that would you have to make some changes.","start":90.39,"end":103.215004,"sentiment":"neutral","sentiment_score":0.008198269116489784}],"sentiment":"neutral","sentiment_score":0.014516031889374866,"num_words":129,"start":57.37,"end":103.215004},{"sentences":[{"text":"So just kind of bear with me as I go through this.","start":103.275,"end":106.015,"sentiment":"neutral","sentiment_score":-0.0025779536614815393},{"text":"Now when it comes to your personal information, I have you down here as married with two financial dependents.","start":107.22,"end":113.72,"sentiment":"neutral","sentiment_score":-0.0035827162577525564},{"text":"Is that still the case as well?","start":113.86,"end":115.560005,"sentiment":"neutral","sentiment_score":0.005961552794490542},{"text":"Yep.","start":116.66,"end":117.060005,"sentiment":"neutral","sentiment_score":0.09158211201429368},{"text":"Perfect.","start":117.060005,"end":117.560005,"sentiment":"neutral","sentiment_score":0.17998161911964417}],"sentiment":"neutral","sentiment_score":0.0053571886965073645,"num_words":40,"start":103.275,"end":117.560005},{"sentences":[{"text":"And next up, Ken, I have your wife nominated.","start":118.100006,"end":121.880005,"sentiment":"neutral","sentiment_score":0.10930569552712971},{"text":"Phone number ending in 623.","start":122.635,"end":125.515,"sentiment":"neutral","sentiment_score":0.07071622610092163},{"text":"That's still the case as well?","start":125.515,"end":127.055,"sentiment":"neutral","sentiment_score":0.08099720254540443},{"text":"Yep.","start":127.995,"end":128.475,"sentiment":"neutral","sentiment_score":0.1414102017879486},{"text":"Perfect.","start":128.475,"end":128.975,"sentiment":"positive","sentiment_score":0.5174821615219116}],"sentiment":"neutral","sentiment_score":0.11282763494686647,"num_words":22,"start":118.100006,"end":128.975},{"sentences":[{"text":"Now when it comes to occupation, what is it that you do for work?","start":129.675,"end":133.375,"sentiment":"neutral","sentiment_score":0.04855802908007588},{"text":"Perfect.","start":147.385,"end":147.885,"sentiment":"positive","sentiment_score":0.4770216345787048},{"text":"And do you enjoy it?","start":148.025,"end":149.405,"sentiment":"positive","sentiment_score":0.3762495815753937},{"text":"Yeah.","start":151.465,"end":151.865,"sentiment":"positive","sentiment_score":0.35163789987564087},{"text":"That's good.","start":151.865,"end":152.765,"sentiment":"positive","sentiment_score":0.46688076853752136}],"sentiment":"neutral","sentiment_score":0.18797745158814866,"num_words":23,"start":129.675,"end":152.765},{"sentences":[{"text":"And you're working full time?","start":153.305,"end":155.965,"sentiment":"neutral","sentiment_score":0.11426020115613937},{"text":"Yep.","start":158.105,"end":158.425,"sentiment":"neutral","sentiment_score":0.10773231834173204},{"text":"Perfect.","start":158.425,"end":158.925,"sentiment":"neutral","sentiment_score":0.19879856705665588},{"text":"And I imagine that's mainly just office based?","start":160.98001,"end":163.96,"sentiment":"neutral","sentiment_score":0.045328589621931314},{"text":"Hybrid?","start":166.98001,"end":167.48001,"sentiment":"neutral","sentiment_score":0.019188018515706062}],"sentiment":"neutral","sentiment_score":0.07872803916689008,"num_words":16,"start":153.305,"end":167.48001},{"sentences":[{"text":"And is that hybrid working from home in office or hybrid as in working in office and being on-site?","start":168.18001,"end":173.56,"sentiment":"neutral","sentiment_score":0.03272099317492623},{"text":"Oh, yeah.","start":176.645,"end":177.045,"sentiment":"neutral","sentiment_score":0.14529358595609665},{"text":"Perfect.","start":177.045,"end":177.545,"sentiment":"positive","sentiment_score":0.36205798387527466},{"text":"That's nice.","start":178.485,"end":179.465,"sentiment":"positive","sentiment_score":0.47037650644779205},{"text":"Now income wise, I have here that last time we spoke to you, it was around 92,500.","start":181.365,"end":188.66501,"sentiment":"neutral","sentiment_score":-0.014282340129070422}],"sentiment":"neutral","sentiment_score":0.04810481114176715,"num_words":41,"start":168.18001,"end":188.66501},{"sentences":[{"text":"Is that still the case, or has that changed at all?","start":189.31,"end":192.53,"sentiment":"neutral","sentiment_score":-0.044273629784584045},{"text":"Oh, nice.","start":194.03,"end":194.69,"sentiment":"neutral","sentiment_score":0.09475477412343025},{"text":"25.","start":194.91,"end":195.81,"sentiment":"neutral","sentiment_score":0.056269802153110504},{"text":"Perfect.","start":196.35,"end":196.85,"sentiment":"neutral","sentiment_score":0.14264631271362305},{"text":"Now is that based and do you earn any in car sorry, any overtime or bonuses or anything, or does it roughly stay the same?","start":198.51001,"end":207.93501,"sentiment":"neutral","sentiment_score":0.013487721756100655}],"sentiment":"neutral","sentiment_score":0.005965219484642148,"num_words":40,"start":189.31,"end":207.93501},{"sentences":[{"text":"Okay.","start":210.875,"end":211.375,"sentiment":"neutral","sentiment_score":0.09995833039283752},{"text":"Perfect.","start":211.43501,"end":211.93501,"sentiment":"neutral","sentiment_score":0.16542325913906095},{"text":"And your employer, they just pay you that standard 12% contribution into super, or do you have a special, like, EBA in place or anything with them?","start":213.195,"end":222.73999,"sentiment":"neutral","sentiment_score":0.04231818399771496},{"text":"Just a standard 12.","start":224.64,"end":225.92,"sentiment":"neutral","sentiment_score":0.004335968289524317},{"text":"Perfect.","start":225.92,"end":226.42,"sentiment":"neutral","sentiment_score":0.08007533848285675}],"sentiment":"neutral","sentiment_score":0.04427622850326931,"num_words":34,"start":210.875,"end":226.42},{"sentences":[{"text":"And you're not making any additional contributions?","start":228.655,"end":230.83499,"sentiment":"neutral","sentiment_score":-0.027285809495619366},{"text":"Is that from your employer?","start":230.89499,"end":232.11499,"sentiment":"neutral","sentiment_score":-0.03528020605444908},{"text":"Yep.","start":233.775,"end":234.25499,"sentiment":"neutral","sentiment_score":0.0010038999607786536},{"text":"Great.","start":234.25499,"end":234.75499,"sentiment":"neutral","sentiment_score":0.08721868693828583},{"text":"Assets and liabilities wise, I have here that your property, last time we spoke to you, was right at about 622,000.","start":235.775,"end":244.07,"sentiment":"neutral","sentiment_score":0.0005243780712286631}],"sentiment":"neutral","sentiment_score":-0.007661919152763273,"num_words":35,"start":228.655,"end":244.07},{"sentences":[{"text":"Do you know if that's the case, or has that gone up a little bit?","start":244.61,"end":247.41,"sentiment":"neutral","sentiment_score":-0.053622368971506754},{"text":"Do you know?","start":247.41,"end":248.15,"sentiment":"neutral","sentiment_score":-0.05207457269231478},{"text":"No.","start":260.545,"end":260.785,"sentiment":"neutral","sentiment_score":-0.14724239706993103},{"text":"That's okay.","start":260.785,"end":261.505,"sentiment":"neutral","sentiment_score":-0.09618450701236725},{"text":"Do you think roughly after everything you'll be leaving at the same?","start":261.505,"end":266.645,"sentiment":"neutral","sentiment_score":-0.08653885684907436}],"sentiment":"neutral","sentiment_score":-0.07086778624039708,"num_words":33,"start":244.61,"end":266.645},{"sentences":[{"text":"Alright.","start":271.5,"end":272.0,"sentiment":"positive","sentiment_score":0.3356383740901947},{"text":"Perfect.","start":272.46,"end":272.96,"sentiment":"positive","sentiment_score":0.59904944896698},{"text":"I'll do $6.40.","start":273.1,"end":274.96,"sentiment":"neutral","sentiment_score":0.3267957866191864},{"text":"Now mortgage, I have here about 450.","start":275.9,"end":279.36002,"sentiment":"neutral","sentiment_score":0.040838753538472314},{"text":"04:30.","start":292.04,"end":292.92,"sentiment":"neutral","sentiment_score":0.025595374405384064}],"sentiment":"neutral","sentiment_score":0.1712724486222634,"num_words":13,"start":271.5,"end":292.92},{"sentences":[{"text":"Perfect.","start":292.92,"end":293.42,"sentiment":"positive","sentiment_score":0.4744670391082764},{"text":"Thank you.","start":293.56,"end":294.38,"sentiment":"positive","sentiment_score":0.5195415318012238},{"text":"Now I also have here that you have two motor vehicles, one valued at 11,000 and one at 3,000.","start":295.40002,"end":302.76,"sentiment":"neutral","sentiment_score":0.06013738393391434},{"text":"Is that still the case?","start":302.76,"end":303.98,"sentiment":"neutral","sentiment_score":0.023166703805327416},{"text":"Mhmm.","start":306.625,"end":307.125,"sentiment":"neutral","sentiment_score":-0.010549478232860563}],"sentiment":"neutral","sentiment_score":0.09862301565174546,"num_words":28,"start":292.92,"end":307.125},{"sentences":[{"text":"Okay.","start":309.98502,"end":310.48502,"sentiment":"neutral","sentiment_score":0.0006668670102953911},{"text":"Mhmm.","start":314.545,"end":315.045,"sentiment":"neutral","sentiment_score":-0.01211210247129202},{"text":"Okay.","start":320.8,"end":321.3,"sentiment":"neutral","sentiment_score":0.03363848477602005},{"text":"Yep.","start":321.36,"end":321.86,"sentiment":"neutral","sentiment_score":0.04402158409357071},{"text":"Yep.","start":325.91998,"end":326.41998,"sentiment":"neutral","sentiment_score":-0.07916244119405746}],"sentiment":"neutral","sentiment_score":-0.0025895215570926667,"num_words":5,"start":309.98502,"end":326.41998},{"sentences":[{"text":"Yeah.","start":329.695,"end":330.015,"sentiment":"neutral","sentiment_score":0.01380878873169422},{"text":"No.","start":330.015,"end":330.255,"sentiment":"neutral","sentiment_score":-0.01473231054842472},{"text":"That's okay.","start":330.255,"end":330.895,"sentiment":"neutral","sentiment_score":0.06024946644902229},{"text":"I'll just put it in.","start":330.895,"end":331.695,"sentiment":"neutral","sentiment_score":0.07868221253156663},{"text":"So you bought it last year.","start":331.695,"end":333.155,"sentiment":"neutral","sentiment_score":0.039703626496096454}],"sentiment":"neutral","sentiment_score":0.05008054884771506,"num_words":15,"start":329.695,"end":333.155},{"sentences":[{"text":"What kind of car is it?","start":333.535,"end":334.915,"sentiment":"neutral","sentiment_score":0.01707460545003414},{"text":"Yeah.","start":338.415,"end":338.895,"sentiment":"neutral","sentiment_score":0.13256347179412842},{"text":"That will be handy now with fuel prices for you guys.","start":338.895,"end":342.275,"sentiment":"neutral","sentiment_score":0.13655110177668658},{"text":"And okay.","start":345.43002,"end":346.07,"sentiment":"neutral","sentiment_score":0.06145807355642319},{"text":"So when you bought it, did you put a deposit down on it, or was it mainly just, like, the whole amount on the on the current loan and then you're just repaying after you go?","start":346.07,"end":354.25,"sentiment":"neutral","sentiment_score":0.009027074349837171}],"sentiment":"neutral","sentiment_score":0.03901721513830125,"num_words":56,"start":333.535,"end":354.25},{"sentences":[{"text":"Okay.","start":358.325,"end":358.825,"sentiment":"neutral","sentiment_score":-0.018439002335071564},{"text":"The loan no.","start":363.925,"end":364.565,"sentiment":"neutral","sentiment_score":-0.12021599213282268},{"text":"That's okay.","start":364.565,"end":365.125,"sentiment":"neutral","sentiment_score":-0.02234361693263054},{"text":"And do you know what your repayments are at all?","start":365.125,"end":367.32,"sentiment":"neutral","sentiment_score":-0.03753215633332729},{"text":"Mhmm.","start":374.36002,"end":374.86002,"sentiment":"neutral","sentiment_score":-0.09076336771249773}],"sentiment":"neutral","sentiment_score":-0.052344655508504194,"num_words":17,"start":358.325,"end":374.86002},{"sentences":[{"text":"Yeah.","start":377.16,"end":377.48,"sentiment":"neutral","sentiment_score":-0.013352928683161736},{"text":"No.","start":377.48,"end":377.72,"sentiment":"neutral","sentiment_score":-0.013704665005207062},{"text":"That's okay.","start":377.72,"end":378.46002,"sentiment":"neutral","sentiment_score":0.09483999758958817},{"text":"Gives me a bit of an idea anyway.","start":378.84,"end":380.44,"sentiment":"neutral","sentiment_score":0.11656172387301922},{"text":"So that's good.","start":380.44,"end":381.19498,"sentiment":"neutral","sentiment_score":0.32463328540325165}],"sentiment":"neutral","sentiment_score":0.13793440324564774,"num_words":15,"start":377.16,"end":381.19498},{"sentences":[{"text":"And then the 3,000 and the other 11,000, you sold those?","start":381.19498,"end":384.97498,"sentiment":"neutral","sentiment_score":0.010307028889656067},{"text":"Yep.","start":386.155,"end":386.555,"sentiment":"neutral","sentiment_score":0.12959575653076172},{"text":"Okay.","start":386.555,"end":386.875,"sentiment":"neutral","sentiment_score":0.21253779530525208},{"text":"Perfect.","start":386.875,"end":387.375,"sentiment":"positive","sentiment_score":0.5247344970703125},{"text":"I also have here that you have about 3,000 in an offset account.","start":388.555,"end":392.57498,"sentiment":"neutral","sentiment_score":0.18091310789951912}],"sentiment":"neutral","sentiment_score":0.12341169516245525,"num_words":27,"start":381.19498,"end":392.57498},{"sentences":[{"text":"Yeah.","start":398.89,"end":399.39,"sentiment":"neutral","sentiment_score":0.025123167783021927},{"text":"About 5.","start":400.09,"end":400.89,"sentiment":"neutral","sentiment_score":0.059995511546730995},{"text":"Perfect.","start":400.89,"end":401.39,"sentiment":"neutral","sentiment_score":0.29002845287323},{"text":"And you also have some shares about $7,000.","start":402.89,"end":407.15,"sentiment":"neutral","sentiment_score":0.08077653124928474},{"text":"Perfect.","start":420.37,"end":420.77,"sentiment":"neutral","sentiment_score":0.23317983746528623}],"sentiment":"neutral","sentiment_score":0.10111805624686755,"num_words":13,"start":398.89,"end":420.77},{"sentences":[{"text":"And is that just on a trading platform, or how do you have those shares?","start":420.77,"end":425.27,"sentiment":"neutral","sentiment_score":0.06280067587892214},{"text":"Okay.","start":428.21,"end":428.71,"sentiment":"neutral","sentiment_score":0.023160632699728012},{"text":"And what platforms are they?","start":429.81,"end":431.34998,"sentiment":"neutral","sentiment_score":0.017974363081157206},{"text":"Yeah.","start":435.42502,"end":435.745,"sentiment":"neutral","sentiment_score":0.11180359125137328},{"text":"Perfect.","start":435.745,"end":436.245,"sentiment":"neutral","sentiment_score":0.2754325866699219}],"sentiment":"neutral","sentiment_score":0.06270777235698441,"num_words":23,"start":420.77,"end":436.245},{"sentences":[{"text":"Now do you have any other assets that's changed in the last twelve months that we haven't gone over yet?","start":441.185,"end":446.085,"sentiment":"neutral","sentiment_score":0.03682650811970234},{"text":"Nope.","start":450.41,"end":450.89,"sentiment":"neutral","sentiment_score":0.037182845175266266},{"text":"Perfect.","start":450.89,"end":451.39,"sentiment":"neutral","sentiment_score":0.1439068466424942},{"text":"And do you have any other liabilities, like personal loans, credit cards, SIP pay?","start":452.01,"end":456.59,"sentiment":"neutral","sentiment_score":0.03245337640068361},{"text":"Yep.","start":462.105,"end":462.345,"sentiment":"neutral","sentiment_score":0.08701479434967041}],"sentiment":"neutral","sentiment_score":0.03943194373435265,"num_words":37,"start":441.185,"end":462.345},{"sentences":[{"text":"Okay.","start":462.345,"end":462.74503,"sentiment":"neutral","sentiment_score":0.15011751651763916},{"text":"Perfect.","start":462.74503,"end":463.24503,"sentiment":"neutral","sentiment_score":0.25786060094833374},{"text":"And health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries.","start":463.86502,"end":471.80502,"sentiment":"neutral","sentiment_score":0.12569213286042213},{"text":"Is that still the case as well?","start":471.86502,"end":473.565,"sentiment":"neutral","sentiment_score":0.08340949458735329},{"text":"Yep.","start":474.79,"end":475.11002,"sentiment":"neutral","sentiment_score":0.08138208091259003}],"sentiment":"neutral","sentiment_score":0.11956897725661596,"num_words":30,"start":462.345,"end":475.11002},{"sentences":[{"text":"Perfect.","start":475.11002,"end":475.51,"sentiment":"neutral","sentiment_score":0.16095425188541412},{"text":"And do you have private health insurance?","start":475.51,"end":477.29,"sentiment":"neutral","sentiment_score":0.06843026940311704},{"text":"Yep.","start":478.79,"end":479.11002,"sentiment":"neutral","sentiment_score":0.05216200277209282},{"text":"And that is hospital as well?","start":479.11002,"end":480.97,"sentiment":"neutral","sentiment_score":0.047397823383410774},{"text":"Yeah.","start":483.43,"end":483.75,"sentiment":"neutral","sentiment_score":0.17677921056747437}],"sentiment":"neutral","sentiment_score":0.07208089320920408,"num_words":16,"start":475.11002,"end":483.75},{"sentences":[{"text":"Great.","start":483.75,"end":483.99,"sentiment":"positive","sentiment_score":0.48534536361694336},{"text":"Perfect.","start":483.99,"end":484.49,"sentiment":"positive","sentiment_score":0.45120540261268616},{"text":"Especially now with your income being a bit higher as well, You do wanna avoid that extra medical levy surcharge.","start":484.63,"end":492.08502,"sentiment":"neutral","sentiment_score":0.22824621871113776},{"text":"So that's good that you do have the private health with hospitals, so that is great.","start":492.385,"end":496.325,"sentiment":"positive","sentiment_score":0.4061942473053932},{"text":"Now estate planning wise, I have here your wife nominated for your beneficiary.","start":497.02502,"end":503.08,"sentiment":"neutral","sentiment_score":0.2686815628638634}],"sentiment":"neutral","sentiment_score":0.303793008128802,"num_words":51,"start":483.75,"end":503.08},{"sentences":[{"text":"So if something were to happen to you, it will all go to her.","start":503.13998,"end":507.06,"sentiment":"neutral","sentiment_score":0.20096565570150102},{"text":"That's still the case as well?","start":507.06,"end":508.68,"sentiment":"neutral","sentiment_score":0.14011322582761446},{"text":"Yep.","start":509.7,"end":510.1,"sentiment":"neutral","sentiment_score":0.19875149428844452},{"text":"Perfect.","start":510.1,"end":510.6,"sentiment":"positive","sentiment_score":0.3840401768684387},{"text":"And because it is going to a spouse, if something ever were to happen, she will receive everything tax free as well, which is great.","start":510.74,"end":517.48,"sentiment":"positive","sentiment_score":0.40305635929107664}],"sentiment":"neutral","sentiment_score":0.30454040826001066,"num_words":47,"start":503.13998,"end":517.48},{"sentences":[{"text":"And do you guys have a will in place or power of attorney or anything like that?","start":519.435,"end":524.175,"sentiment":"neutral","sentiment_score":0.06496726601001095},{"text":"No.","start":532.01,"end":532.25,"sentiment":"neutral","sentiment_score":-0.07063749432563782},{"text":"That's okay.","start":532.25,"end":533.23004,"sentiment":"neutral","sentiment_score":-0.0018898227717727423},{"text":"But you don't have anyone who makes any financial decisions on your behalf, otherwise?","start":535.37006,"end":539.55005,"sentiment":"neutral","sentiment_score":-0.1301793088870389},{"text":"Yeah.","start":543.46497,"end":543.96497,"sentiment":"neutral","sentiment_score":0.023262618109583855}],"sentiment":"neutral","sentiment_score":-0.02197775211451309,"num_words":35,"start":519.435,"end":543.96497},{"sentences":[{"text":"Yep.","start":547.625,"end":548.125,"sentiment":"neutral","sentiment_score":0.3109947144985199},{"text":"It is good to still consider I always tell everyone that it is good to have a will in place with us just to make everything as as streamlined as possible.","start":548.90497,"end":558.49005,"sentiment":"positive","sentiment_score":0.605374147815089},{"text":"If something ever were to happen, you can always get dual wills as well, potentially.","start":558.49005,"end":565.31,"sentiment":"neutral","sentiment_score":0.2979643632968267},{"text":"So if something ever were to happen to you and your wife's assets and stuff, I do always suggest it is good to have a look at.","start":565.37,"end":572.14496,"sentiment":"neutral","sentiment_score":0.30844687504900825},{"text":"Obviously, completely up to you.","start":572.14496,"end":574.08496,"sentiment":"neutral","sentiment_score":0.16251212358474731}],"sentiment":"positive","sentiment_score":0.41376816443627396,"num_words":79,"start":547.625,"end":574.08496},{"sentences":[{"text":"You can do it different ways.","start":574.785,"end":577.105,"sentiment":"neutral","sentiment_score":0.14151965826749802},{"text":"Obviously, the most comprehensive way is going through a lawyer.","start":577.105,"end":580.565,"sentiment":"neutral","sentiment_score":0.2404135972261429},{"text":"Some people, if you don't have a very complex estate or you don't wanna spend the money on the lawyer, you can even just get, like, a will kit from the post office, which is a lot cheaper.","start":581.27997,"end":591.38,"sentiment":"neutral","sentiment_score":0.26728797429486323},{"text":"The only thing with that is just making sure if you do decide to go down that way, to just read instructions carefully and complete it correctly.","start":592.08,"end":599.805,"sentiment":"neutral","sentiment_score":0.31599783345505045},{"text":"So if something ever were to happen, it will hold up in court.","start":599.805,"end":603.58496,"sentiment":"neutral","sentiment_score":0.14447106363681647}],"sentiment":"neutral","sentiment_score":0.2534070454854914,"num_words":94,"start":574.785,"end":603.58496},{"sentences":[{"text":"Yep.","start":605.165,"end":605.565,"sentiment":"neutral","sentiment_score":0.2584819793701172},{"text":"Perfect.","start":605.565,"end":606.065,"sentiment":"positive","sentiment_score":0.5128005146980286},{"text":"Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now?","start":606.95,"end":614.97003,"sentiment":"neutral","sentiment_score":0.2276600612134769},{"text":"No.","start":620.005,"end":620.24506,"sentiment":"neutral","sentiment_score":-0.2921395003795624},{"text":"That's okay.","start":620.24506,"end":621.065,"sentiment":"neutral","sentiment_score":-0.3059767484664917}],"sentiment":"neutral","sentiment_score":0.190274449174895,"num_words":34,"start":605.165,"end":621.065},{"sentences":[{"text":"Yeah.","start":622.005,"end":622.48505,"sentiment":"neutral","sentiment_score":0.057577356696128845},{"text":"I mean, if it ever changes, just let me know, and we can always send you some information.","start":622.48505,"end":626.265,"sentiment":"neutral","sentiment_score":0.18249739499555695},{"text":"If not, it's always good to have in the back of your mind.","start":627.36505,"end":630.18506,"sentiment":"neutral","sentiment_score":0.20099303928705362},{"text":"But the good thing is that because your superannuation and insurances does not form part of the estate, because you do have a valid nomination in place for those, that will definitely go to your your wife if something were to happen as well.","start":630.565,"end":645.07,"sentiment":"positive","sentiment_score":0.5355420146476139},{"text":"So that's all sorted for you.","start":645.07,"end":646.515,"sentiment":"positive","sentiment_score":0.536151240269343}],"sentiment":"positive","sentiment_score":0.3992219032129137,"num_words":82,"start":622.005,"end":646.515},{"sentences":[{"text":"Yep.","start":648.35504,"end":648.85504,"sentiment":"neutral","sentiment_score":0.27871018648147583},{"text":"Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, often doing the interview is good to kind of check-in to be like, okay.","start":650.195,"end":658.995,"sentiment":"positive","sentiment_score":0.3566424903624198},{"text":"What was your goals last year?","start":658.995,"end":660.755,"sentiment":"neutral","sentiment_score":0.11017061707874139},{"text":"How did you go with or do you need any further assistance with anything, or has anything changed?","start":660.755,"end":665.11005,"sentiment":"neutral","sentiment_score":0.02381633222103119},{"text":"Now when we spoke to you last time, your main focus was to potentially buy an investment property.","start":665.97003,"end":672.87,"sentiment":"neutral","sentiment_score":0.0049827914788491195}],"sentiment":"neutral","sentiment_score":0.17641510114122133,"num_words":77,"start":648.35504,"end":672.87},{"sentences":[{"text":"Is that still kind of on the cards and something you guys are working towards, or has that changed?","start":673.17004,"end":678.095,"sentiment":"neutral","sentiment_score":0.0032675611345391524},{"text":"Okay.","start":691.20996,"end":691.70996,"sentiment":"neutral","sentiment_score":0.01516718789935112},{"text":"Okay.","start":692.89,"end":693.39,"sentiment":"neutral","sentiment_score":-0.04460074007511139},{"text":"Yep.","start":695.52997,"end":695.93,"sentiment":"neutral","sentiment_score":0.03859119862318039},{"text":"Okay.","start":695.93,"end":696.43,"sentiment":"neutral","sentiment_score":0.07101471722126007}],"sentiment":"neutral","sentiment_score":0.006185044574996699,"num_words":23,"start":673.17004,"end":696.43},{"sentences":[{"text":"No problem.","start":696.49,"end":697.23,"sentiment":"neutral","sentiment_score":0.13245287537574768},{"text":"Otherwise, looking a bit more medium term goal, your your focus was to kinda get your son through high school in the next two years, I believe, and to put him through private school and potentially save up a little bit for that.","start":698.49,"end":713.435,"sentiment":"neutral","sentiment_score":0.1822686555773713},{"text":"Is that still kind of something you guys are working towards?","start":713.435,"end":716.735,"sentiment":"neutral","sentiment_score":0.11032722416249188},{"text":"Oh, great.","start":719.47003,"end":720.21,"sentiment":"positive","sentiment_score":0.38983212411403656},{"text":"Well, that's great.","start":726.83,"end":727.55005,"sentiment":"positive","sentiment_score":0.45027194420496625}],"sentiment":"neutral","sentiment_score":0.1876481555280138,"num_words":61,"start":696.49,"end":727.55005},{"sentences":[{"text":"We've definitely achieved that.","start":727.55005,"end":728.83,"sentiment":"positive","sentiment_score":0.5127186700701714},{"text":"Sorry.","start":728.83,"end":729.07,"sentiment":"neutral","sentiment_score":0.025047622621059418},{"text":"I'll update that.","start":729.07,"end":730.29004,"sentiment":"neutral","sentiment_score":0.04205644875764847},{"text":"That's great.","start":730.43005,"end":731.25,"sentiment":"positive","sentiment_score":0.45919886231422424},{"text":"And aside from that, I have here that you're you're basically just focusing on paying down the mortgage as much as possible.","start":731.265,"end":738.065,"sentiment":"neutral","sentiment_score":0.06256111067804423}],"sentiment":"neutral","sentiment_score":0.1405260565225035,"num_words":32,"start":727.55005,"end":738.065},{"sentences":[{"text":"I know you said you are making a bit of extra repayments on the mortgage.","start":738.065,"end":741.125,"sentiment":"neutral","sentiment_score":0.03249764802555243},{"text":"Is that kind of your main focus aside from the investment property otherwise?","start":741.585,"end":745.365,"sentiment":"neutral","sentiment_score":0.010070132521482615},{"text":"Yep.","start":766.275,"end":766.775,"sentiment":"neutral","sentiment_score":-0.027239223942160606},{"text":"Yeah.","start":773.97003,"end":774.47003,"sentiment":"neutral","sentiment_score":-0.05591391772031784},{"text":"Bit of a no.","start":774.69,"end":775.41003,"sentiment":"neutral","sentiment_score":-0.17921826802194118}],"sentiment":"neutral","sentiment_score":-0.005342640311402433,"num_words":34,"start":738.065,"end":775.41003},{"sentences":[{"text":"Just me.","start":775.41003,"end":776.07,"sentiment":"neutral","sentiment_score":-0.13727620244026184},{"text":"Yep.","start":777.01,"end":777.51,"sentiment":"neutral","sentiment_score":0.03430843725800514},{"text":"Yeah.","start":781.09,"end":781.59,"sentiment":"neutral","sentiment_score":0.1591642200946808},{"text":"Oh, that's good.","start":781.775,"end":782.675,"sentiment":"neutral","sentiment_score":0.2861737074951331},{"text":"And I think that's a really good way to do things as well.","start":783.375,"end":786.755,"sentiment":"positive","sentiment_score":0.8179074984330398}],"sentiment":"positive","sentiment_score":0.5705119427293539,"num_words":20,"start":775.41003,"end":786.755},{"sentences":[{"text":"Now when it comes to superannuation for you, I do have it down here that, ideally, you would like to retire at the age of 67.","start":788.09503,"end":797.155,"sentiment":"neutral","sentiment_score":0.18958655143013367},{"text":"Is that still the plan?","start":797.75,"end":798.88995,"sentiment":"neutral","sentiment_score":0.1033840611577034},{"text":"Do you you're happy to work a bit longer, or would you like to start your own income at 60 when you can?","start":798.95,"end":804.88995,"sentiment":"neutral","sentiment_score":0.0966897347699041},{"text":"Or or what are your thoughts?","start":805.43,"end":806.88995,"sentiment":"neutral","sentiment_score":0.029264931256572407},{"text":"I have 67 noted down here for you.","start":809.67,"end":812.73,"sentiment":"neutral","sentiment_score":-0.024953177315182984}],"sentiment":"neutral","sentiment_score":0.11244115752496701,"num_words":68,"start":788.09503,"end":812.73},{"sentences":[{"text":"Yep.","start":819.23505,"end":819.715,"sentiment":"neutral","sentiment_score":0.04955364391207695},{"text":"That's what most people say, so I will just change that to 60.","start":819.715,"end":823.015,"sentiment":"neutral","sentiment_score":0.04629301480375803},{"text":"Now with the current legislation, you if you retire, you can access your super company tax free at the age of 60, between 60 and 65.","start":823.635,"end":834.25995,"sentiment":"neutral","sentiment_score":0.14882482674259406},{"text":"So if you wanted to, you know, reduce your hours, like a bit of part time, but still want to draw a bit of an income from your superannuation as well, you can do that under a transition to retirement strategy.","start":834.25995,"end":845.615,"sentiment":"neutral","sentiment_score":0.20510902601044353},{"text":"So if, you know, that is something you're interested in down the line when you get closer to that, we can look at that for you.","start":845.675,"end":852.01495,"sentiment":"neutral","sentiment_score":0.1929552752811175}],"sentiment":"neutral","sentiment_score":0.16773005191967866,"num_words":107,"start":819.23505,"end":852.01495},{"sentences":[{"text":"Or, otherwise, 65, if you keep working, you can then access everything tax free.","start":852.14,"end":857.02,"sentiment":"neutral","sentiment_score":0.09148920966046196},{"text":"67 is age pension.","start":857.02,"end":858.8,"sentiment":"neutral","sentiment_score":0.04458612995222211},{"text":"Does that make sense?","start":860.7,"end":861.76,"sentiment":"neutral","sentiment_score":0.254317544400692},{"text":"Yep.","start":862.77997,"end":863.27997,"sentiment":"neutral","sentiment_score":0.2889888882637024},{"text":"Perfect.","start":863.42,"end":863.92,"sentiment":"positive","sentiment_score":0.5184252262115479}],"sentiment":"neutral","sentiment_score":0.13682823946389058,"num_words":24,"start":852.14,"end":863.92},{"sentences":[{"text":"And I have here as well that from a weekly income from superannuation when you do retire, that you would like to draw about a thousand dollars per week.","start":864.515,"end":874.275,"sentiment":"neutral","sentiment_score":0.2296499789788805},{"text":"Do you see still think that would be achievable, or do you think you need a little bit more for, like, living expenses and everything for you?","start":874.275,"end":882.33,"sentiment":"neutral","sentiment_score":0.14292484797813274},{"text":"Yeah.","start":889.67004,"end":889.75,"sentiment":"neutral","sentiment_score":-0.003071686252951622},{"text":"Yes.","start":889.75,"end":890.25,"sentiment":"neutral","sentiment_score":0.0017567090690135956},{"text":"How much?","start":891.285,"end":892.26495,"sentiment":"neutral","sentiment_score":-0.08834781870245934}],"sentiment":"neutral","sentiment_score":0.17234682785347105,"num_words":60,"start":864.515,"end":892.26495},{"sentences":[{"text":"What I would no.","start":898.805,"end":900.165,"sentiment":"neutral","sentiment_score":-0.16328540816903114},{"text":"And and and that's perfectly fine.","start":900.165,"end":903.365,"sentiment":"neutral","sentiment_score":-0.04216011861960093},{"text":"And and to be fair, most people say between 1,000 up to 1,500, maybe 2,000, depending on how obviously extravagant you want your lifestyle during retirement, but then also your other assets.","start":903.365,"end":916.2,"sentiment":"neutral","sentiment_score":0.1892126987222582},{"text":"Because for most people, the goal is to be, you know, not have too much mortgage attached to their property.","start":916.2,"end":923.325,"sentiment":"neutral","sentiment_score":0.3031271189451218},{"text":"So then you don't really have those repayments to worry about, and it will be mainly just to cover, you know, living expenses, doing some traveling, and just enjoy retirement, essentially.","start":923.545,"end":932.60504,"sentiment":"positive","sentiment_score":0.38839647798768934}],"sentiment":"neutral","sentiment_score":0.2500165291531112,"num_words":93,"start":898.805,"end":932.60504},{"sentences":[{"text":"Now when it comes to your superannuation as well, the next thing I run through with you quickly there is just a bit of an updated risk profile questionnaire, and that is just to see if your risk tolerance or anything has changed when it comes to your superannuation investments, if we need to make any changes.","start":936.28,"end":953.195,"sentiment":"neutral","sentiment_score":0.16839947734485594},{"text":"So it is all multiple choice to make it nice and easy, and there is no right or wrong answer.","start":953.735,"end":959.97504,"sentiment":"positive","sentiment_score":0.3565744891762733},{"text":"Does that make sense?","start":959.97504,"end":960.99,"sentiment":"neutral","sentiment_score":0.22063159197568893},{"text":"Yep.","start":962.27,"end":962.67,"sentiment":"neutral","sentiment_score":0.3280108869075775},{"text":"Perfect.","start":962.67,"end":963.17,"sentiment":"positive","sentiment_score":0.5393713712692261}],"sentiment":"neutral","sentiment_score":0.22265263395496163,"num_words":83,"start":936.28,"end":963.17},{"sentences":[{"text":"Now when it comes to your personal investments as well, is that mainly, like, ETFs, managed funds, or do you have direct shares as well?","start":963.47,"end":971.49,"sentiment":"neutral","sentiment_score":0.0863180885463953},{"text":"Yep.","start":977.485,"end":977.985,"sentiment":"neutral","sentiment_score":-0.014525900594890118},{"text":"Okay.","start":978.525,"end":979.025,"sentiment":"neutral","sentiment_score":0.11001794040203094},{"text":"Yep.","start":979.165,"end":979.665,"sentiment":"neutral","sentiment_score":0.10909442603588104},{"text":"No.","start":982.045,"end":982.28503,"sentiment":"neutral","sentiment_score":-0.15498308837413788}],"sentiment":"neutral","sentiment_score":0.07612260659064712,"num_words":29,"start":963.47,"end":982.28503},{"sentences":[{"text":"That's all good.","start":982.28503,"end":983.425,"sentiment":"neutral","sentiment_score":0.026806343346834183},{"text":"Now next is when it comes to inflation.","start":984.685,"end":987.11,"sentiment":"neutral","sentiment_score":-0.04206533683463931},{"text":"So inflation, obviously, means things are getting more expensive over time, making your money worth less and everything.","start":987.49,"end":993.64996,"sentiment":"neutral","sentiment_score":-0.170300695217318},{"text":"It's costing a little bit more.","start":993.64996,"end":995.35,"sentiment":"neutral","sentiment_score":-0.1830544372399648},{"text":"Now how much of a risk are you willing to take in order to kinda keep up with the the rising prices and everything thinking about your superannuation?","start":995.81,"end":1004.835,"sentiment":"neutral","sentiment_score":-0.18876421558005468}],"sentiment":"neutral","sentiment_score":-0.1540514418766612,"num_words":63,"start":982.28503,"end":1004.835},{"sentences":[{"text":"Would you say yeah.","start":1006.015,"end":1009.055,"sentiment":"neutral","sentiment_score":-0.21148325875401497},{"text":"No.","start":1009.055,"end":1009.455,"sentiment":"neutral","sentiment_score":-0.1747988760471344},{"text":"So, basically, it talks about increasing prices and everything continues to go up and getting more expensive and how much risk you are willing to take in order to try and make sure that you stay on top of the increasing prices and everything like that.","start":1009.455,"end":1023.76996,"sentiment":"neutral","sentiment_score":-0.17557125700556714},{"text":"So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk?","start":1026.0851,"end":1036.425,"sentiment":"neutral","sentiment_score":-0.016374505901088316},{"text":"Mhmm.","start":1042.5,"end":1042.98,"sentiment":"neutral","sentiment_score":0.26092344522476196}],"sentiment":"neutral","sentiment_score":-0.12143518986474526,"num_words":76,"start":1006.015,"end":1042.98},{"sentences":[{"text":"Yep.","start":1042.98,"end":1043.38,"sentiment":"positive","sentiment_score":0.44092434644699097},{"text":"Perfect.","start":1043.38,"end":1043.88,"sentiment":"positive","sentiment_score":0.5957727432250977},{"text":"And volatility wise, how would you feel if, let's say, after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start":1045.38,"end":1063.2051,"sentiment":"neutral","sentiment_score":-0.0542903826572001},{"text":"So it's not like one particular investment that's gone bad, just general trends happening in the market, which we've seen a little bit over the last twelve months.","start":1063.2051,"end":1071.64,"sentiment":"neutral","sentiment_score":-0.08910627370434147},{"text":"Now would you say that if you had the option to do so, you'd wanna take advantage of the drop in prices by thinking that now is a good time to invest a little bit more?","start":1072.26,"end":1081.395,"sentiment":"neutral","sentiment_score":0.12588263044340742}],"sentiment":"neutral","sentiment_score":0.010971003394646971,"num_words":102,"start":1042.98,"end":1081.395},{"sentences":[{"text":"Would you hold and kind of wait and see what happens, or would you want to shift to a bit more of a secure asset?","start":1081.9551,"end":1089.015,"sentiment":"neutral","sentiment_score":-0.04513083189725876},{"text":"So that means you are then selling when the prices have already dropped.","start":1089.235,"end":1092.215,"sentiment":"neutral","sentiment_score":-0.0435583723279146},{"text":"Yeah.","start":1095.3301,"end":1095.8301,"sentiment":"neutral","sentiment_score":0.025264395400881767},{"text":"Yeah.","start":1097.41,"end":1097.91,"sentiment":"neutral","sentiment_score":0.005210483446717262},{"text":"Mhmm.","start":1104.6901,"end":1105.1901,"sentiment":"neutral","sentiment_score":0.02761664986610413}],"sentiment":"neutral","sentiment_score":-0.039913124609284284,"num_words":41,"start":1081.9551,"end":1105.1901},{"sentences":[{"text":"Mhmm.","start":1116.305,"end":1116.785,"sentiment":"neutral","sentiment_score":0.010051244869828224},{"text":"Depending on circumstances and stuff.","start":1116.785,"end":1118.545,"sentiment":"neutral","sentiment_score":-0.009650894626975059},{"text":"No.","start":1118.545,"end":1118.785,"sentiment":"neutral","sentiment_score":-0.048620764166116714},{"text":"That makes sense.","start":1118.785,"end":1119.3451,"sentiment":"neutral","sentiment_score":-0.017725296318531036},{"text":"Some of these questions is a little bit some of these questions is a bit tricky as well because it's very much circumstantial, and it's more so just to kinda gauge your behavior in regards to it and how you'd feel in certain environment.","start":1119.3451,"end":1132.22,"sentiment":"neutral","sentiment_score":-0.09744858098301021}],"sentiment":"neutral","sentiment_score":-0.081995137863689,"num_words":54,"start":1116.305,"end":1132.22},{"sentences":[{"text":"Sorry.","start":1133.64,"end":1133.9601,"sentiment":"neutral","sentiment_score":-0.10514183342456818},{"text":"And, yeah, I completely understand that sometimes different scenarios would obviously mean different outcomes.","start":1133.9601,"end":1138.775,"sentiment":"neutral","sentiment_score":-0.06521949172019958},{"text":"But that at least is good to know.","start":1139.555,"end":1142.215,"sentiment":"neutral","sentiment_score":0.18849432654678822},{"text":"Now next is, again, when it comes to fluctuation.","start":1142.995,"end":1146.855,"sentiment":"neutral","sentiment_score":0.04443375248875883},{"text":"So superannuation, property, your personal investments, anything like that, if any has ever fallen in value, how did that make you feel?","start":1148.29,"end":1158.63,"sentiment":"neutral","sentiment_score":0.09160246361385692}],"sentiment":"neutral","sentiment_score":0.053794404940196765,"num_words":54,"start":1133.64,"end":1158.63},{"sentences":[{"text":"Would you say optimistic about future investment opportunities?","start":1158.93,"end":1163.27,"sentiment":"neutral","sentiment_score":0.1328183589503169},{"text":"A bit more kind of neutral, cautious, not making further investments, or highly anxious?","start":1164.345,"end":1171.565,"sentiment":"neutral","sentiment_score":-0.06908692073609148},{"text":"Highly anxious.","start":1176.265,"end":1177.245,"sentiment":"neutral","sentiment_score":-0.11915034055709839},{"text":"Yep.","start":1186.0,"end":1186.5,"sentiment":"neutral","sentiment_score":0.10025562345981598},{"text":"That's good.","start":1187.8401,"end":1188.9,"sentiment":"positive","sentiment_score":0.6510236263275146}],"sentiment":"neutral","sentiment_score":0.04664193245547789,"num_words":27,"start":1158.93,"end":1188.9},{"sentences":[{"text":"You see the value kinda with the market.","start":1189.855,"end":1192.5149,"sentiment":"neutral","sentiment_score":0.13285592617467046},{"text":"Mhmm.","start":1200.0149,"end":1200.5149,"sentiment":"neutral","sentiment_score":0.0005464162677526474},{"text":"Yep.","start":1203.47,"end":1203.97,"sentiment":"neutral","sentiment_score":0.02945741079747677},{"text":"Yes.","start":1204.9099,"end":1205.4099,"sentiment":"neutral","sentiment_score":0.02974836528301239},{"text":"Yes.","start":1206.35,"end":1206.83,"sentiment":"neutral","sentiment_score":0.029190469533205032}],"sentiment":"neutral","sentiment_score":0.09598250593990088,"num_words":12,"start":1189.855,"end":1206.83},{"sentences":[{"text":"No.","start":1206.83,"end":1207.07,"sentiment":"neutral","sentiment_score":0.01440383493900299},{"text":"Perfect.","start":1207.07,"end":1207.5499,"sentiment":"neutral","sentiment_score":0.21751677989959717},{"text":"That no.","start":1207.5499,"end":1207.87,"sentiment":"neutral","sentiment_score":0.08192278444766998},{"text":"That's that's really good.","start":1207.87,"end":1209.25,"sentiment":"positive","sentiment_score":0.456064336001873},{"text":"And the last question here is in regards to borrowing money.","start":1210.0299,"end":1213.09,"sentiment":"neutral","sentiment_score":0.0199687909334898}],"sentiment":"neutral","sentiment_score":0.12840422252683262,"num_words":19,"start":1206.83,"end":1213.09},{"sentences":[{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1213.39,"end":1218.875,"sentiment":"neutral","sentiment_score":-0.005795640746752421},{"text":"No.","start":1221.255,"end":1221.755,"sentiment":"neutral","sentiment_score":-0.06920910626649857},{"text":"You would be open for borrowing for an investment property, though?","start":1221.895,"end":1225.035,"sentiment":"neutral","sentiment_score":-0.04089769602499225},{"text":"Yep.","start":1226.615,"end":1227.015,"sentiment":"neutral","sentiment_score":0.11975757777690887},{"text":"Alright.","start":1227.015,"end":1227.515,"sentiment":"neutral","sentiment_score":0.2348242998123169}],"sentiment":"neutral","sentiment_score":-0.008670224005292201,"num_words":29,"start":1213.39,"end":1227.515},{"sentences":[{"text":"Perfect.","start":1227.5751,"end":1228.0751,"sentiment":"neutral","sentiment_score":0.319627046585083},{"text":"Now that tells me here that you are kind of borderline between a high growth and an aggressive investor.","start":1229.255,"end":1235.17,"sentiment":"neutral","sentiment_score":-0.006417337216828999},{"text":"Now at the moment, we do have you invested in an aggressive portfolio.","start":1236.51,"end":1240.53,"sentiment":"neutral","sentiment_score":0.0003495608957914206},{"text":"Do you remember what it means to be an aggressive portfolio?","start":1241.15,"end":1244.61,"sentiment":"neutral","sentiment_score":-0.015639137984676796},{"text":"Sorry.","start":1245.55,"end":1245.87,"sentiment":"neutral","sentiment_score":-0.08545420318841934}],"sentiment":"neutral","sentiment_score":-0.0012276175535387464,"num_words":45,"start":1227.5751,"end":1245.87},{"sentences":[{"text":"An aggressive investor at all and how it all works?","start":1245.87,"end":1248.4501,"sentiment":"neutral","sentiment_score":-0.05429874733090401},{"text":"Correct.","start":1264.5,"end":1265.0,"sentiment":"neutral","sentiment_score":0.009421288967132568},{"text":"Yeah.","start":1266.18,"end":1266.66,"sentiment":"neutral","sentiment_score":0.20193034410476685},{"text":"And that is very spot on.","start":1266.66,"end":1268.1,"sentiment":"positive","sentiment_score":0.3685595840215683},{"text":"And it basically exactly like that is tailored for investors who are obviously plenty of time until retirement, Happy to see short term fluctuations in order to try to grow your super as much as possible over the long term.","start":1268.1,"end":1281.655,"sentiment":"neutral","sentiment_score":0.2034545388072729}],"sentiment":"neutral","sentiment_score":0.17272246924453769,"num_words":58,"start":1245.87,"end":1281.655},{"sentences":[{"text":"Time frame wise, you do have plenty of time until retirement, and we ideally like to see about ten years until retirement in aggressive portfolio, which you certainly have behind you to kind of wait for those fluctuations to come back around.","start":1282.595,"end":1296.19,"sentiment":"neutral","sentiment_score":0.10604522057941981},{"text":"And when it comes through how your assets are invested, we see around 95 to about a 100 is invested in your growth assets.","start":1296.97,"end":1307.175,"sentiment":"neutral","sentiment_score":0.1226543951779604},{"text":"So that will be things like Australian shares, international shares, property, and commodities, and that is ultimately what's going to maximize those returns for you.","start":1307.635,"end":1315.8151,"sentiment":"neutral","sentiment_score":0.24647903561592102},{"text":"And then between about 5% or less will be in your defensive, like your cash, your gold, your fixed interest.","start":1316.12,"end":1323.4,"sentiment":"neutral","sentiment_score":0.1539077490568161},{"text":"Payment fluctuations a little bit, but the main focus is to be kind of invested in those growth investments to to give you that growth over the long term.","start":1323.4,"end":1331.535,"sentiment":"neutral","sentiment_score":0.14473931793251943}],"sentiment":"neutral","sentiment_score":0.14882268457274353,"num_words":140,"start":1282.595,"end":1331.535},{"sentences":[{"text":"Does that all make sense?","start":1332.8151,"end":1333.855,"sentiment":"neutral","sentiment_score":0.16807898581027986},{"text":"Are you still happy for now to be in an aggressive portfolio?","start":1333.855,"end":1337.635,"sentiment":"positive","sentiment_score":0.3987293466925621},{"text":"Yep.","start":1347.31,"end":1347.81,"sentiment":"neutral","sentiment_score":0.08749841153621674},{"text":"Yep.","start":1348.91,"end":1349.41,"sentiment":"neutral","sentiment_score":0.30354738235473633},{"text":"Perfect.","start":1349.4701,"end":1349.9701,"sentiment":"positive","sentiment_score":0.666438639163971}],"sentiment":"positive","sentiment_score":0.3341315761208534,"num_words":20,"start":1332.8151,"end":1349.9701},{"sentences":[{"text":"And that's usually the case as well.","start":1350.75,"end":1352.91,"sentiment":"positive","sentiment_score":0.4705715605190822},{"text":"Obviously, the closer you get to retirement, that's when people want to start slowly reducing their risk down a little bit because you don't have as much time in the market.","start":1352.91,"end":1362.8251,"sentiment":"neutral","sentiment_score":0.2755942186040263},{"text":"So it would definitely make sense from a time frame point of view.","start":1363.525,"end":1366.805,"sentiment":"positive","sentiment_score":0.49428901076316833},{"text":"It seems like you have a pretty good understanding of the market and that they do fluctuate as well, which is great.","start":1366.805,"end":1372.08,"sentiment":"positive","sentiment_score":0.5429928641427647},{"text":"Now have you received an email from myself at all in the last ten, fifteen minutes?","start":1373.36,"end":1379.38,"sentiment":"neutral","sentiment_score":0.043020254583097994}],"sentiment":"positive","sentiment_score":0.34716119016573,"num_words":89,"start":1350.75,"end":1379.38},{"sentences":[{"text":"Yeah.","start":1384.08,"end":1384.58,"sentiment":"neutral","sentiment_score":0.007069235667586327},{"text":"No.","start":1387.635,"end":1388.115,"sentiment":"neutral","sentiment_score":-0.03656161203980446},{"text":"That's yeah.","start":1388.115,"end":1389.955,"sentiment":"neutral","sentiment_score":0.008515795692801476},{"text":"That's okay.","start":1389.955,"end":1390.675,"sentiment":"neutral","sentiment_score":0.06510253250598907},{"text":"Are you do you have the opportunity to access it on your phone?","start":1390.675,"end":1393.795,"sentiment":"neutral","sentiment_score":0.020343530779847734}],"sentiment":"neutral","sentiment_score":0.020116325271757024,"num_words":19,"start":1384.08,"end":1393.795},{"sentences":[{"text":"Or yeah.","start":1393.795,"end":1397.75,"sentiment":"neutral","sentiment_score":0.03224186599254608},{"text":"Yeah.","start":1398.77,"end":1399.17,"sentiment":"neutral","sentiment_score":0.07444372773170471},{"text":"Sure.","start":1399.17,"end":1399.67,"sentiment":"neutral","sentiment_score":0.09406058490276337},{"text":"Because otherwise, if you don't, I can always just run through them with you while you can't see them.","start":1399.89,"end":1405.81,"sentiment":"neutral","sentiment_score":0.09870919742082294},{"text":"And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them.","start":1405.81,"end":1410.9501,"sentiment":"neutral","sentiment_score":0.11047293711453676}],"sentiment":"neutral","sentiment_score":0.10199421636906325,"num_words":51,"start":1393.795,"end":1410.9501},{"sentences":[{"text":"It is completely up to you.","start":1411.17,"end":1412.745,"sentiment":"neutral","sentiment_score":0.1413993462920189},{"text":"Yeah.","start":1415.705,"end":1415.945,"sentiment":"neutral","sentiment_score":0.11651523411273956},{"text":"Okay.","start":1415.945,"end":1416.265,"sentiment":"neutral","sentiment_score":0.19377875328063965},{"text":"Perfect.","start":1416.265,"end":1416.765,"sentiment":"positive","sentiment_score":0.3686608672142029},{"text":"Now we have recently changed the software as well.","start":1417.625,"end":1420.505,"sentiment":"neutral","sentiment_score":0.1745344085825814}],"sentiment":"neutral","sentiment_score":0.17212003386682934,"num_words":18,"start":1411.17,"end":1420.505},{"sentences":[{"text":"So when you do have a look at the documents, if it looks a little bit different, that's why the principle is still the same.","start":1420.505,"end":1426.665,"sentiment":"neutral","sentiment_score":0.14245846658945083},{"text":"Click on the email.","start":1426.665,"end":1427.725,"sentiment":"neutral","sentiment_score":0.07781776785850525},{"text":"Click on the link where it says sign now.","start":1427.785,"end":1430.4199,"sentiment":"neutral","sentiment_score":0.0764571155110995},{"text":"Now it will still allow you to open up all the documents before it prompts you to sign anything so that you can review them first.","start":1430.5599,"end":1437.5399,"sentiment":"neutral","sentiment_score":0.1488619067777808},{"text":"But, essentially, when you do have a look at it, you will see a couple of documents.","start":1438.24,"end":1442.74,"sentiment":"neutral","sentiment_score":0.051231877330471486}],"sentiment":"neutral","sentiment_score":0.11484195390877164,"num_words":81,"start":1420.505,"end":1442.74},{"sentences":[{"text":"Now one is your super and insurance summary.","start":1442.7999,"end":1446.3351,"sentiment":"neutral","sentiment_score":0.06978979893028736},{"text":"Now you have your super with Netwealth, and you do have about a $119,987 in there at the moment.","start":1447.1951,"end":1455.935,"sentiment":"neutral","sentiment_score":0.10157252377585362},{"text":"Now you also have some insurances with Clearview, and you have life and total permanent disability insurance.","start":1457.6901,"end":1465.87,"sentiment":"neutral","sentiment_score":0.09778163319124895},{"text":"And that is covering you for $532,840.","start":1466.49,"end":1472.765,"sentiment":"neutral","sentiment_score":0.10338027455977031},{"text":"Now with your life and TPD, because it is structured and paid from within superannuation, you do get a tax rebate.","start":1473.4651,"end":1481.2451,"sentiment":"neutral","sentiment_score":0.1812762419382731}],"sentiment":"neutral","sentiment_score":0.12056870986190107,"num_words":72,"start":1442.7999,"end":1481.2451},{"sentences":[{"text":"So the total premium you pay for both those two is $481 per year.","start":1481.79,"end":1487.89,"sentiment":"neutral","sentiment_score":0.1863576610173498},{"text":"Now when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less?","start":1488.51,"end":1497.515,"sentiment":"neutral","sentiment_score":0.0076190628684484046},{"text":"Or what are your thoughts in regards to that life and TPD for you?","start":1497.515,"end":1501.135,"sentiment":"neutral","sentiment_score":0.03669035700815065},{"text":"Yep.","start":1503.1951,"end":1503.675,"sentiment":"positive","sentiment_score":0.3480253219604492},{"text":"Perfect.","start":1503.675,"end":1504.175,"sentiment":"positive","sentiment_score":0.5161408185958862}],"sentiment":"neutral","sentiment_score":0.07473096477666072,"num_words":56,"start":1481.79,"end":1504.175},{"sentences":[{"text":"And I can see here as well that you don't have income protection or trauma insurance.","start":1504.3151,"end":1508.555,"sentiment":"neutral","sentiment_score":0.0892314063385129},{"text":"You're still comfortable without those two insurance policies?","start":1508.555,"end":1511.22,"sentiment":"neutral","sentiment_score":0.036142134107649326},{"text":"Yep.","start":1513.52,"end":1513.84,"sentiment":"neutral","sentiment_score":0.17888838052749634},{"text":"Okay.","start":1513.84,"end":1514.24,"sentiment":"positive","sentiment_score":0.35488390922546387},{"text":"Perfect.","start":1514.24,"end":1514.74,"sentiment":"positive","sentiment_score":0.5197062492370605}],"sentiment":"neutral","sentiment_score":0.10260437456546007,"num_words":27,"start":1504.3151,"end":1514.74},{"sentences":[{"text":"If anything ever changes down the track as well, just let us know.","start":1514.8,"end":1517.4401,"sentiment":"neutral","sentiment_score":0.23793039872096136},{"text":"It doesn't have to be at annual review time.","start":1517.4401,"end":1519.04,"sentiment":"neutral","sentiment_score":0.15911785927083757},{"text":"It can be any time as well if if you do change your mind.","start":1519.04,"end":1522.1,"sentiment":"neutral","sentiment_score":0.2539807643209185},{"text":"Now you will also see your Clearview certificate of currency added in the email there for you.","start":1523.725,"end":1529.405,"sentiment":"neutral","sentiment_score":0.2684722910909092},{"text":"It just breaks down your insurances in a little bit more detail, but, basically, just lets you know that's all paid and up to date.","start":1529.405,"end":1537.025,"sentiment":"neutral","sentiment_score":0.24424565851688385}],"sentiment":"neutral","sentiment_score":0.24039816703551856,"num_words":78,"start":1514.8,"end":1537.025},{"sentences":[{"text":"Now what you also have is then a Netwealth performance report.","start":1538.53,"end":1542.9501,"sentiment":"neutral","sentiment_score":0.12142650241201575},{"text":"Do you go in and have a look at your super investments every now and then, or is that not something you really pay much attention to?","start":1543.73,"end":1550.9501,"sentiment":"neutral","sentiment_score":0.05752119973853782},{"text":"Yeah.","start":1554.975,"end":1555.475,"sentiment":"neutral","sentiment_score":0.019299428910017017},{"text":"Yeah.","start":1563.66,"end":1564.16,"sentiment":"neutral","sentiment_score":-0.0002338886260986328},{"text":"Okay.","start":1570.7001,"end":1571.2001,"sentiment":"neutral","sentiment_score":0.16645392775535583}],"sentiment":"neutral","sentiment_score":0.07498252164663338,"num_words":41,"start":1538.53,"end":1571.2001},{"sentences":[{"text":"Oh, well, that's good.","start":1571.3401,"end":1572.4,"sentiment":"neutral","sentiment_score":0.2955948133021593},{"text":"Now the report that I have included for you, it gives you a snapshot over the last twelve months.","start":1573.02,"end":1579.035,"sentiment":"neutral","sentiment_score":0.17293481450331838},{"text":"So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments.","start":1580.0751,"end":1591.775,"sentiment":"neutral","sentiment_score":0.16275371587084186},{"text":"It also gives you a total portfolio review, so the total return of the portfolio for you.","start":1592.37,"end":1600.55,"sentiment":"neutral","sentiment_score":0.17256181687116623},{"text":"And in the last twelve months, you kind of touched on as well.","start":1600.77,"end":1603.41,"sentiment":"neutral","sentiment_score":0.0957010374046289}],"sentiment":"neutral","sentiment_score":0.16299012254568793,"num_words":84,"start":1571.3401,"end":1603.41},{"sentences":[{"text":"We have seen a little bit of fluctuation obviously in the market, a bit of ups and downs.","start":1603.41,"end":1608.885,"sentiment":"neutral","sentiment_score":-0.01436931412253115},{"text":"But despite all of that, though, and despite that we do have you in an aggressive portfolio, your portfolio overall has still done really good.","start":1609.3451,"end":1616.645,"sentiment":"positive","sentiment_score":0.3454588371515274},{"text":"So over the last twelve months, now this is all after fees.","start":1617.185,"end":1621.5,"sentiment":"neutral","sentiment_score":0.31223254402478534},{"text":"So after all fees have been deducted from your account, your portfolio has still gone up by 11.31% from your investments, which is really good.","start":1621.5,"end":1632.0,"sentiment":"positive","sentiment_score":0.6355027425289154},{"text":"Yeah.","start":1634.765,"end":1635.165,"sentiment":"neutral","sentiment_score":0.20577943325042725}],"sentiment":"positive","sentiment_score":0.3483698987574489,"num_words":81,"start":1603.41,"end":1635.165},{"sentences":[{"text":"Do you have any questions so far?","start":1635.165,"end":1636.6051,"sentiment":"neutral","sentiment_score":0.10837841991867338},{"text":"That's pretty straightforward.","start":1636.6051,"end":1637.665,"sentiment":"neutral","sentiment_score":0.3165801465511322},{"text":"Yep.","start":1640.125,"end":1640.625,"sentiment":"neutral","sentiment_score":0.15844261646270752},{"text":"Okay.","start":1645.3401,"end":1645.8401,"sentiment":"neutral","sentiment_score":0.021482303738594055},{"text":"No.","start":1647.26,"end":1647.76,"sentiment":"neutral","sentiment_score":-0.03719566762447357}],"sentiment":"neutral","sentiment_score":0.14239374089699525,"num_words":13,"start":1635.165,"end":1647.76},{"sentences":[{"text":"No.","start":1647.8201,"end":1648.14,"sentiment":"neutral","sentiment_score":-0.050116166472435},{"text":"I'll try to make it quick.","start":1648.14,"end":1649.6001,"sentiment":"neutral","sentiment_score":-0.0022086181367437043},{"text":"I'll do it as fast as I can.","start":1649.66,"end":1651.7401,"sentiment":"neutral","sentiment_score":0.2611129954457283},{"text":"It seems like you're pretty on top of it, so I'm happy to skip most of the other documents.","start":1651.7401,"end":1655.1201,"sentiment":"positive","sentiment_score":0.3390720463112781},{"text":"But the only thing I do wanna let you know is that if you're happy to do so, I will just need you to sign two documents.","start":1655.5801,"end":1661.285,"sentiment":"neutral","sentiment_score":0.1743010930992939}],"sentiment":"neutral","sentiment_score":0.21596777839128112,"num_words":61,"start":1647.8201,"end":1661.285},{"sentences":[{"text":"One is an ongoing service agreement.","start":1661.425,"end":1663.4451,"sentiment":"neutral","sentiment_score":0.13531653210520744},{"text":"That is just to say that you are happy to stay on as a client.","start":1663.8251,"end":1666.7051,"sentiment":"neutral","sentiment_score":0.28459090093771616},{"text":"Now there's no changes whatsoever in regards to the fee structure.","start":1666.7051,"end":1669.8451,"sentiment":"neutral","sentiment_score":0.0575454980134964},{"text":"It stays exactly the same at 1.65 from super, not a lock in contract.","start":1669.97,"end":1674.77,"sentiment":"neutral","sentiment_score":0.1302876860967704},{"text":"So if at any point in time, you are not happy, not a lock in contract, but this lets us service your account and manage your investments for you in the meantime.","start":1674.77,"end":1681.59,"sentiment":"neutral","sentiment_score":0.09671290079131722}],"sentiment":"neutral","sentiment_score":0.1363154309682357,"num_words":78,"start":1661.425,"end":1681.59},{"sentences":[{"text":"Does that make sense?","start":1681.73,"end":1682.685,"sentiment":"neutral","sentiment_score":0.1159331202507019},{"text":"Yep.","start":1684.2051,"end":1684.6051,"sentiment":"neutral","sentiment_score":0.16539651155471802},{"text":"Alright.","start":1684.6051,"end":1684.8451,"sentiment":"positive","sentiment_score":0.3414726257324219},{"text":"Perfect.","start":1684.8451,"end":1685.3251,"sentiment":"positive","sentiment_score":0.4497017562389374},{"text":"Well, I will let you go.","start":1685.3251,"end":1687.0851,"sentiment":"neutral","sentiment_score":0.3009520297249158}],"sentiment":"neutral","sentiment_score":0.24815504252910614,"num_words":13,"start":1681.73,"end":1687.0851},{"sentences":[{"text":"Have a look through the document when you have a bit more time.","start":1687.0851,"end":1689.645,"sentiment":"neutral","sentiment_score":0.22651601525453421},{"text":"If you have any questions in regards to anything, we haven't gone through a lot of the rest.","start":1689.645,"end":1693.3251,"sentiment":"neutral","sentiment_score":0.15051663460003006},{"text":"It's just kind of compliance documents.","start":1693.3251,"end":1695.025,"sentiment":"neutral","sentiment_score":0.142618540674448},{"text":"Have a read over it.","start":1695.36,"end":1696.4,"sentiment":"neutral","sentiment_score":0.19933643341064453},{"text":"Let me know if you have any questions.","start":1696.4,"end":1698.02,"sentiment":"neutral","sentiment_score":0.17320182546973228}],"sentiment":"neutral","sentiment_score":0.17784031271934508,"num_words":50,"start":1687.0851,"end":1698.02},{"sentences":[{"text":"If not, if you're happy, I will just need you to sign those documents there for me, and they will come through, and I will get that all processed for you.","start":1698.88,"end":1706.8,"sentiment":"neutral","sentiment_score":0.24847775180974313},{"text":"And if you need anything else in the meantime, though, don't hesitate to give me a call.","start":1706.8,"end":1710.345,"sentiment":"neutral","sentiment_score":0.10422930691172094},{"text":"No problem at all.","start":1712.985,"end":1713.705,"sentiment":"positive","sentiment_score":0.5753121674060822},{"text":"We'll speak soon.","start":1713.705,"end":1714.605,"sentiment":"positive","sentiment_score":0.4485885302225749},{"text":"Bye.","start":1716.265,"end":1716.765,"sentiment":"neutral","sentiment_score":-0.11669459193944932}],"sentiment":"neutral","sentiment_score":0.23223264628489101,"num_words":56,"start":1698.88,"end":1716.765}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. How are you? Yes. Yep. That's fine. Tom Tung Ho, 09/12/1984. 7 Violet Place, Craig, Glen Vic 3064. Dizzy. Yeah. Really busy. I guess we just started with a bit of a catch up and just, I guess, make sure that, you know, the the strategy that we've got at the moment is still the best one for me, I guess. Cool. Yes. Yes. I'm just, I guess, in the general area. So I previously was a data analyst, and I'm now moving towards a bit more of a commercial. I guess it's still a data analyst. It's a the title is commercial data analyst. Yeah. Yeah. I love it. Working full time. Yes. Hybrid. Yep. Hybrid working from home and office. No. It's it's gone up to $1.25. That's the base. There's no overtime in that bonus. No. Just the standard 12. No. I imagine it went up throughout the year, but given what's happening with within Australia at the moment, I feel like it may have come down a bit, but, honestly, I haven't checked it in the last maybe five, six months. I I I reckon it might be up, you know, maybe towards the $6.40, $6.50 mark. Yeah. That that's obviously come down a bit as the years progressed. I I've I've paid extra into it as well, but if we sort of take all that out, I'd say that we're probably sitting at around about 04:30 ish. That's changed. So we're actually only on one vehicle at the moment, and the vehicle was purchased last year. So I don't know how to evaluate it from a depreciation perspective, but we bought it for around about 50,000. And, obviously, that's on a a car loan. So I don't know how to sort of work that out, and maybe you can help me there. It's a Geely. It's a electric vehicle. Yeah. I think it was just, like, a $1,000 deposit or something. I can't remember, to be honest, but it was a very, very small and then the rest of it was just on the line. I know that they were about $6.50 a fortnight. I don't know how much they've changed. I haven't checked it. Yes. Yeah. Probably about 5 thousand now. I've got that's probably come down a bit. I think it shows have lost the the value, but I my best guess would be maybe about 3 and a half, maybe 4,000. It's across two trading platforms. One is Super Hero and the other one is CommSec. I don't think so. Apart from the additional car loan, I think last we spoke, everything else is pretty normal. Correct. Yes. We do. Yes. Yeah. Hospital and extras. Yes. I don't think so. I I I don't think I've ever sort of completed a will. Yeah. I just figured that would be my wife, given that she is myself. I I figured that was just to focus to her. Sure. Honestly, I'm not thinking about it at the moment. So maybe maybe you're down the track a bit. Okay. Sure. It it is. And we were actually actively looking sort of late last year into early this year, and we actually placed an offer down on a property, but it fell through. It didn't didn't work out. So we we are actively looking. It just hasn't sort of yielded me through yet. That's already completed. So he's actually in he's he's in private school. Actually, both funds are in private school at the moment. Actually, funny enough. So yeah. Yeah. I I guess so. We obviously got the extra repayment onto the mortgage sort of using that doubling up as a sort of investment property for the deposit for the investment property. So, you know, I guess in the interim, which is really in as a reduced interest. And then when the time comes, we would consider taking it out. Not all of it because we wanna leave sort of a bit of a rainy day fund. But, yeah, that's that's it. And then just every now and then we purchase a a parcel of shares as well. So so what what age was it? Sorry. Okay. I think the answer is pretty generic. I don't wanna retire as good as possible. Yep. Awesome. Yep. That makes sense. Honestly, I think it might be a bit more given the cost of living has increased so much, but I I haven't really thought about, you know, how far a thousand's gonna go yet. Like, it it just it hasn't really sort of crossed my mind to sort of revise that yet. So I'm I'm honestly, I'm not sure. Yep. Sure. Sure. Very few direct shares. Like I said, it's only got $4,000 in in direct shares. Yeah. That's that's better. Sorry. I didn't I didn't quite catch the question. Sorry. Yep. Sure. Given my current age and and whatnot, I'd say that I'm happy to accept the high risk. Sure. Definitely not the last one. I guess it depends on the market in itself. Like, that 20% drop, was it a really quick drop? Was it a sort of a very gradual drop? I guess it depends. But, yeah, there would be obviously consideration for either holding or, I guess, adding more funds to it to sort of capitalize on that dip. Yep. Yep. So what was the last one? If any particular asset was to drop in value, I'd actually view it as an opportunity. Yeah. I don't know if you mentioned the percentage in there for that last question or not, but yeah, I sort of look at things from an opportunity perspective. If it drops in value, I mean, that it's at a discount, but obviously, it has to be the right asset, like, you know, just finally jumping in. No. For sure. Yes. It means that the share is a lot more volatile. The portfolio is a lot more volatile. And if I'm not mistaken, I think from memory, it was a sort of historical trajectory that, you know, let's say every five years, there was one year that you'd actually move backwards for four years of growth, Some some things like that. Yeah. Yep. That sounds good. Yeah. I'm I'm happy to just be in that bucket, and I think that I well, maybe things would change, but at the moment, I'd say that I'd be in that bucket probably until about five years from retirement. I think something came through on my phone earlier. I might just have access to my computer at the moment, so I might have to check it on my phone. I I I should do. Maybe you can just give me a couple of minutes. Sure. Maybe you can run through it with me then. I'm happy with that level of cover. For now, yeah. Sure. I've downloaded the network app. So I sort of jump on I was actually on this morning just having a look at a a couple of things. It's a little foreign to me. But let's have a look at a few things. You know, certain things go up in price, certain things go down, and I think I have a general understanding of it. So That sounds good. That's pretty straightforward. I I I don't wanna cut you off, and I don't need to be rude. I've got a meeting in literally one minute. Is there much more to go? Thanks. That makes sense. Awesome. Alright. Thank you. Thanks. 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Good. Thank you. How are you? Yes.\n\nYep. That's fine. Tom Tung Ho, 09/12/1984. 7 Violet Place, Craig, Glen Vic 3064. Dizzy.\n\nYeah. Really busy. I guess we just started with a bit of a catch up and just, I guess, make sure that, you know, the the strategy that we've got at the moment is still the best one for me, I guess. Cool. Yes.\n\nYes. I'm just, I guess, in the general area. So I previously was a data analyst, and I'm now moving towards a bit more of a commercial. I guess it's still a data analyst. It's a the title is commercial data analyst.\n\nYeah. Yeah. I love it. Working full time. Yes.\n\nHybrid. Yep. Hybrid working from home and office. No. It's it's gone up to $1.25.\n\nThat's the base. There's no overtime in that bonus. No. Just the standard 12. No.\n\nI imagine it went up throughout the year, but given what's happening with within Australia at the moment, I feel like it may have come down a bit, but, honestly, I haven't checked it in the last maybe five, six months. I I I reckon it might be up, you know, maybe towards the $6.40, $6.50 mark. Yeah. That that's obviously come down a bit as the years progressed. I I've I've paid extra into it as well, but if we sort of take all that out, I'd say that we're probably sitting at around about 04:30 ish.\n\nThat's changed. So we're actually only on one vehicle at the moment, and the vehicle was purchased last year. So I don't know how to evaluate it from a depreciation perspective, but we bought it for around about 50,000. And, obviously, that's on a a car loan. So I don't know how to sort of work that out, and maybe you can help me there.\n\nIt's a Geely. It's a electric vehicle. Yeah. I think it was just, like, a $1,000 deposit or something. I can't remember, to be honest, but it was a very, very small and then the rest of it was just on the line.\n\nI know that they were about $6.50 a fortnight. I don't know how much they've changed. I haven't checked it. Yes. Yeah.\n\nProbably about 5 thousand now. I've got that's probably come down a bit. I think it shows have lost the the value, but I my best guess would be maybe about 3 and a half, maybe 4,000. It's across two trading platforms. One is Super Hero and the other one is CommSec.\n\nI don't think so. Apart from the additional car loan, I think last we spoke, everything else is pretty normal. Correct. Yes. We do.\n\nYes. Yeah. Hospital and extras. Yes. I don't think so.\n\nI I I don't think I've ever sort of completed a will. Yeah. I just figured that would be my wife, given that she is myself. I I figured that was just to focus to her. Sure.\n\nHonestly, I'm not thinking about it at the moment. So maybe maybe you're down the track a bit. Okay. Sure. It it is.\n\nAnd we were actually actively looking sort of late last year into early this year, and we actually placed an offer down on a property, but it fell through. It didn't didn't work out. So we we are actively looking. It just hasn't sort of yielded me through yet. That's already completed.\n\nSo he's actually in he's he's in private school. Actually, both funds are in private school at the moment. Actually, funny enough. So yeah. Yeah.\n\nI I guess so. We obviously got the extra repayment onto the mortgage sort of using that doubling up as a sort of investment property for the deposit for the investment property. So, you know, I guess in the interim, which is really in as a reduced interest. And then when the time comes, we would consider taking it out. Not all of it because we wanna leave sort of a bit of a rainy day fund.\n\nBut, yeah, that's that's it. And then just every now and then we purchase a a parcel of shares as well. So so what what age was it? Sorry. Okay.\n\nI think the answer is pretty generic. I don't wanna retire as good as possible. Yep. Awesome. Yep.\n\nThat makes sense. Honestly, I think it might be a bit more given the cost of living has increased so much, but I I haven't really thought about, you know, how far a thousand's gonna go yet. Like, it it just it hasn't really sort of crossed my mind to sort of revise that yet. So I'm I'm honestly, I'm not sure. Yep.\n\nSure. Sure. Very few direct shares. Like I said, it's only got $4,000 in in direct shares. Yeah.\n\nThat's that's better. Sorry. I didn't I didn't quite catch the question. Sorry. Yep.\n\nSure. Given my current age and and whatnot, I'd say that I'm happy to accept the high risk. Sure. Definitely not the last one. I guess it depends on the market in itself.\n\nLike, that 20% drop, was it a really quick drop? Was it a sort of a very gradual drop? I guess it depends. But, yeah, there would be obviously consideration for either holding or, I guess, adding more funds to it to sort of capitalize on that dip. Yep.\n\nYep. So what was the last one? If any particular asset was to drop in value, I'd actually view it as an opportunity. Yeah. I don't know if you mentioned the percentage in there for that last question or not, but yeah, I sort of look at things from an opportunity perspective.\n\nIf it drops in value, I mean, that it's at a discount, but obviously, it has to be the right asset, like, you know, just finally jumping in. No. For sure. Yes. It means that the share is a lot more volatile.\n\nThe portfolio is a lot more volatile. And if I'm not mistaken, I think from memory, it was a sort of historical trajectory that, you know, let's say every five years, there was one year that you'd actually move backwards for four years of growth, Some some things like that. Yeah. Yep. That sounds good.\n\nYeah. I'm I'm happy to just be in that bucket, and I think that I well, maybe things would change, but at the moment, I'd say that I'd be in that bucket probably until about five years from retirement. I think something came through on my phone earlier. I might just have access to my computer at the moment, so I might have to check it on my phone. I I I should do.\n\nMaybe you can just give me a couple of minutes. Sure. Maybe you can run through it with me then. I'm happy with that level of cover. For now, yeah.\n\nSure. I've downloaded the network app. So I sort of jump on I was actually on this morning just having a look at a a couple of things. It's a little foreign to me. But let's have a look at a few things.\n\nYou know, certain things go up in price, certain things go down, and I think I have a general understanding of it. So That sounds good. That's pretty straightforward. I I I don't wanna cut you off, and I don't need to be rude. I've got a meeting in literally one minute.\n\nIs there much more to go? Thanks. That makes sense. Awesome. Alright.\n\nThank you. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.14796093106269836},{"text":"Good.","start":6.16,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5225533246994019},{"text":"Thank you.","start":6.3199997,"end":6.64,"sentiment":"positive","sentiment_score":0.5773954391479492},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"positive","sentiment_score":0.3663740356763204},{"text":"Yes.","start":14.719999,"end":15.135,"sentiment":"neutral","sentiment_score":0.15796099603176117}],"sentiment":"positive","sentiment_score":0.3852985296398401,"num_words":8,"start":5.6,"end":15.135},{"sentences":[{"text":"Yep.","start":25.055,"end":25.295,"sentiment":"neutral","sentiment_score":0.12730194628238678},{"text":"That's fine.","start":25.295,"end":26.035,"sentiment":"neutral","sentiment_score":0.22421687096357346},{"text":"Tom Tung Ho, 09/12/1984.","start":37.98,"end":41.28,"sentiment":"neutral","sentiment_score":0.008957051439210773},{"text":"7 Violet Place, Craig, Glen Vic 3064.","start":42.145,"end":45.364998,"sentiment":"neutral","sentiment_score":0.019299384206533432},{"text":"Dizzy.","start":51.024998,"end":51.425,"sentiment":"neutral","sentiment_score":-0.20737147331237793}],"sentiment":"neutral","sentiment_score":0.035952540673315526,"num_words":15,"start":25.055,"end":51.425},{"sentences":[{"text":"Yeah.","start":51.425,"end":51.665,"sentiment":"neutral","sentiment_score":-0.09906983375549316},{"text":"Really busy.","start":51.665,"end":52.485,"sentiment":"neutral","sentiment_score":-0.12417369708418846},{"text":"I guess we just started with a bit of a catch up and just, I guess, make sure that, you know, the the strategy that we've got at the moment is still the best one for me, I guess.","start":72.575,"end":81.54,"sentiment":"neutral","sentiment_score":0.012619212174262756},{"text":"Cool.","start":100.005005,"end":100.505005,"sentiment":"neutral","sentiment_score":-0.001390509307384491},{"text":"Yes.","start":115.9,"end":116.4,"sentiment":"neutral","sentiment_score":0.0700882226228714}],"sentiment":"neutral","sentiment_score":0.004850676367906007,"num_words":44,"start":51.425,"end":116.4},{"sentences":[{"text":"Yes.","start":127.245,"end":127.745,"sentiment":"neutral","sentiment_score":0.04539157450199127},{"text":"I'm just, I guess, in the general area.","start":134.765,"end":136.525,"sentiment":"neutral","sentiment_score":0.02446633914951235},{"text":"So I previously was a data analyst, and I'm now moving towards a bit more of a commercial.","start":136.525,"end":140.705,"sentiment":"neutral","sentiment_score":0.01634854290427433},{"text":"I guess it's still a data analyst.","start":142.53,"end":143.89001,"sentiment":"neutral","sentiment_score":0.02473734984440463},{"text":"It's a the title is commercial data analyst.","start":143.89001,"end":145.99,"sentiment":"neutral","sentiment_score":0.0356545178219676}],"sentiment":"neutral","sentiment_score":0.023661753606228603,"num_words":42,"start":127.245,"end":145.99},{"sentences":[{"text":"Yeah.","start":149.89,"end":150.13,"sentiment":"neutral","sentiment_score":0.2697269916534424},{"text":"Yeah.","start":150.13,"end":150.37,"sentiment":"positive","sentiment_score":0.4081519842147827},{"text":"I love it.","start":150.37,"end":151.19,"sentiment":"positive","sentiment_score":0.6140161156654358},{"text":"Working full 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$1.25.","start":191.305,"end":193.485,"sentiment":"neutral","sentiment_score":-0.03965806495398283}],"sentiment":"neutral","sentiment_score":0.002447873167693615,"num_words":15,"start":165.675,"end":193.485},{"sentences":[{"text":"That's the base.","start":208.135,"end":208.855,"sentiment":"neutral","sentiment_score":0.0326417392740647},{"text":"There's no overtime in that bonus.","start":208.855,"end":210.47499,"sentiment":"neutral","sentiment_score":0.0453134390215079},{"text":"No.","start":222.72,"end":222.95999,"sentiment":"neutral","sentiment_score":-0.030598092824220657},{"text":"Just the standard 12.","start":222.95999,"end":224.26,"sentiment":"neutral","sentiment_score":-0.014658289030194283},{"text":"No.","start":232.87999,"end":233.37999,"sentiment":"neutral","sentiment_score":-0.06676346063613892}],"sentiment":"neutral","sentiment_score":0.014254076158006985,"num_words":15,"start":208.135,"end":233.37999},{"sentences":[{"text":"I imagine it went up throughout the year, but given what's happening with within Australia at the moment, I feel like it may have come down a bit, but, honestly, I haven't checked it in the last maybe five, six months.","start":248.83,"end":260.21,"sentiment":"neutral","sentiment_score":-0.1416311634749901},{"text":"I I I reckon it might be up, you know, maybe towards the $6.40, $6.50 mark.","start":267.735,"end":271.675,"sentiment":"neutral","sentiment_score":0.03405254066456109},{"text":"Yeah.","start":280.16,"end":280.48,"sentiment":"neutral","sentiment_score":0.04446500167250633},{"text":"That that's obviously come down a bit as the years progressed.","start":280.48,"end":283.38,"sentiment":"neutral","sentiment_score":-0.023974218490448864},{"text":"I I've I've paid extra into it as well, but if we sort of take all that out, I'd say that we're probably sitting at around about 04:30 ish.","start":285.44,"end":292.035,"sentiment":"neutral","sentiment_score":0.0022458847981460138}],"sentiment":"neutral","sentiment_score":-0.055266916269569526,"num_words":98,"start":248.83,"end":292.035},{"sentences":[{"text":"That's changed.","start":304.995,"end":305.975,"sentiment":"neutral","sentiment_score":-0.030496310442686088},{"text":"So we're actually only on one vehicle at the moment, and the vehicle was purchased last year.","start":306.75,"end":314.03,"sentiment":"neutral","sentiment_score":-0.013789184774984331},{"text":"So I don't know how to evaluate it from a depreciation perspective, but we bought it for around about 50,000.","start":314.03,"end":320.28998,"sentiment":"neutral","sentiment_score":-0.025368600338697433},{"text":"And, obviously, that's on a a car loan.","start":322.21503,"end":324.77502,"sentiment":"neutral","sentiment_score":-0.018684060079976916},{"text":"So I don't know how to sort of work that out, and maybe you can help me there.","start":324.77502,"end":329.43503,"sentiment":"neutral","sentiment_score":-0.014202769431802962}],"sentiment":"neutral","sentiment_score":-0.018583124603789587,"num_words":65,"start":304.995,"end":329.43503},{"sentences":[{"text":"It's a Geely.","start":335.43,"end":336.31,"sentiment":"neutral","sentiment_score":0.04378886024157206},{"text":"It's a electric vehicle.","start":336.31,"end":337.77,"sentiment":"neutral","sentiment_score":0.04080893285572529},{"text":"Yeah.","start":342.71,"end":343.21,"sentiment":"neutral","sentiment_score":0.0630265325307846},{"text":"I think it was just, like, a $1,000 deposit or something.","start":354.745,"end":357.88498,"sentiment":"neutral","sentiment_score":-0.013915011659264565},{"text":"I can't remember, to be honest, but it was a very, very small and then the rest of it was just on the line.","start":359.145,"end":363.51,"sentiment":"neutral","sentiment_score":-0.08003647408137719}],"sentiment":"neutral","sentiment_score":-0.0399142246866642,"num_words":43,"start":335.43,"end":363.51},{"sentences":[{"text":"I know that they were about $6.50 a fortnight.","start":369.67,"end":373.69,"sentiment":"neutral","sentiment_score":-0.06306855256358783},{"text":"I don't know how much they've changed.","start":374.15002,"end":375.51,"sentiment":"neutral","sentiment_score":-0.1141124740242958},{"text":"I haven't checked it.","start":375.51,"end":376.89,"sentiment":"neutral","sentiment_score":-0.07864782959222794},{"text":"Yes.","start":385.515,"end":386.015,"sentiment":"neutral","sentiment_score":0.09047848731279372},{"text":"Yeah.","start":397.59,"end":398.09,"sentiment":"neutral","sentiment_score":0.043872155249118805}],"sentiment":"neutral","sentiment_score":-0.0703020439567891,"num_words":22,"start":369.67,"end":398.09},{"sentences":[{"text":"Probably about 5 thousand now.","start":398.23,"end":400.01,"sentiment":"neutral","sentiment_score":0.03176270052790642},{"text":"I've got that's probably come down a bit.","start":409.995,"end":412.955,"sentiment":"neutral","sentiment_score":-0.022703169146552682},{"text":"I think it shows have lost the the value, but I my best guess would be maybe about 3 and a half, maybe 4,000.","start":412.955,"end":419.42,"sentiment":"neutral","sentiment_score":-0.028795402497053146},{"text":"It's across two trading platforms.","start":425.64,"end":427.42,"sentiment":"neutral","sentiment_score":0.024670660495758057},{"text":"One is Super Hero and the other one is CommSec.","start":431.835,"end":434.495,"sentiment":"neutral","sentiment_score":0.06501059681177139}],"sentiment":"neutral","sentiment_score":0.0011453415410449873,"num_words":52,"start":398.23,"end":434.495},{"sentences":[{"text":"I don't think so.","start":448.09,"end":450.19,"sentiment":"neutral","sentiment_score":-0.0656043766066432},{"text":"Apart from the additional car loan, I think last we spoke, everything else is pretty normal.","start":457.625,"end":461.725,"sentiment":"neutral","sentiment_score":0.04411351017188281},{"text":"Correct.","start":473.91998,"end":474.41998,"sentiment":"neutral","sentiment_score":0.0792832300066948},{"text":"Yes.","start":477.6,"end":477.75998,"sentiment":"neutral","sentiment_score":0.05643725395202637},{"text":"We do.","start":477.75998,"end":478.32,"sentiment":"neutral","sentiment_score":0.05933406576514244}],"sentiment":"neutral","sentiment_score":0.02907446965885659,"num_words":24,"start":448.09,"end":478.32},{"sentences":[{"text":"Yes.","start":478.32,"end":478.82,"sentiment":"neutral","sentiment_score":0.05063451826572418},{"text":"Yeah.","start":481.68,"end":481.84,"sentiment":"neutral","sentiment_score":0.024716664105653763},{"text":"Hospital and extras.","start":481.84,"end":483.13998,"sentiment":"neutral","sentiment_score":0.03224207398792108},{"text":"Yes.","start":509.04,"end":509.355,"sentiment":"neutral","sentiment_score":0.1481548398733139},{"text":"I don't think so.","start":526.62006,"end":527.9,"sentiment":"neutral","sentiment_score":-0.1609898805618286}],"sentiment":"neutral","sentiment_score":-0.032372727803885934,"num_words":10,"start":478.32,"end":527.9},{"sentences":[{"text":"I I I don't think I've ever sort of completed a will.","start":527.9,"end":531.52,"sentiment":"neutral","sentiment_score":-0.12117410420129697},{"text":"Yeah.","start":533.26,"end":533.76,"sentiment":"neutral","sentiment_score":0.005778009071946144},{"text":"I just figured that would be my wife, given that she is myself.","start":540.55505,"end":544.395,"sentiment":"neutral","sentiment_score":0.010715774045540737},{"text":"I I figured that was just to focus to her.","start":544.395,"end":546.97504,"sentiment":"neutral","sentiment_score":0.05065571330487728},{"text":"Sure.","start":604.145,"end":604.645,"sentiment":"neutral","sentiment_score":0.22055616974830627}],"sentiment":"neutral","sentiment_score":-0.015726834485256993,"num_words":37,"start":527.9,"end":604.645},{"sentences":[{"text":"Honestly, I'm not thinking about it at the moment.","start":617.23004,"end":619.55,"sentiment":"neutral","sentiment_score":-0.2570871131287681},{"text":"So maybe maybe you're down the track a bit.","start":619.55,"end":621.585,"sentiment":"neutral","sentiment_score":-0.25871982673803967},{"text":"Okay.","start":647.33997,"end":647.83997,"sentiment":"neutral","sentiment_score":0.26851004362106323},{"text":"Sure.","start":648.055,"end":648.555,"sentiment":"neutral","sentiment_score":0.2966492772102356},{"text":"It it is.","start":679.02496,"end":679.745,"sentiment":"neutral","sentiment_score":0.038571398705244064}],"sentiment":"neutral","sentiment_score":-0.1722343018197495,"num_words":23,"start":617.23004,"end":679.745},{"sentences":[{"text":"And we were actually actively looking sort of late last year into early this year, and we actually placed an offer down on a property, but it fell through.","start":679.745,"end":689.23,"sentiment":"neutral","sentiment_score":-0.030218321187742824},{"text":"It didn't didn't work out.","start":689.23,"end":690.43,"sentiment":"neutral","sentiment_score":-0.13224877417087555},{"text":"So we we are actively looking.","start":690.43,"end":692.45,"sentiment":"neutral","sentiment_score":0.0011194907128810883},{"text":"It just hasn't sort of yielded me through yet.","start":692.75,"end":695.08997,"sentiment":"neutral","sentiment_score":-0.16091524188717207},{"text":"That's already completed.","start":717.52,"end":718.82,"sentiment":"neutral","sentiment_score":0.15984990696112314}],"sentiment":"neutral","sentiment_score":-0.048068186483131006,"num_words":52,"start":679.745,"end":718.82},{"sentences":[{"text":"So he's actually in he's he's in private school.","start":719.44,"end":722.24,"sentiment":"neutral","sentiment_score":0.21620308193895552},{"text":"Actually, both funds are in private school at the moment.","start":722.24,"end":724.8,"sentiment":"neutral","sentiment_score":0.10648167133331299},{"text":"Actually, funny enough.","start":724.8,"end":725.92,"sentiment":"neutral","sentiment_score":0.16209333141644797},{"text":"So yeah.","start":725.92,"end":728.02,"sentiment":"positive","sentiment_score":0.34635524451732635},{"text":"Yeah.","start":747.03,"end":747.35004,"sentiment":"neutral","sentiment_score":0.013870025053620338}],"sentiment":"neutral","sentiment_score":0.16814019836485386,"num_words":25,"start":719.44,"end":747.35004},{"sentences":[{"text":"I I guess so.","start":747.35004,"end":748.81,"sentiment":"neutral","sentiment_score":0.004858733620494604},{"text":"We obviously got the extra repayment onto the mortgage sort of using that doubling up as a sort of investment property for the deposit for the investment property.","start":749.03,"end":762.03503,"sentiment":"neutral","sentiment_score":0.011824231594800949},{"text":"So, you know, I guess in the interim, which is really in as a reduced interest.","start":762.03503,"end":765.895,"sentiment":"neutral","sentiment_score":-0.042897085193544626},{"text":"And then when the time comes, we would consider taking it out.","start":766.755,"end":770.59503,"sentiment":"neutral","sentiment_score":-0.11173334531486034},{"text":"Not all of it because we wanna leave sort of a bit of a rainy day fund.","start":770.59503,"end":773.85,"sentiment":"neutral","sentiment_score":-0.15006239361622753}],"sentiment":"neutral","sentiment_score":-0.05490520492486366,"num_words":77,"start":747.35004,"end":773.85},{"sentences":[{"text":"But, yeah, that's that's it.","start":774.55,"end":776.07,"sentiment":"neutral","sentiment_score":-0.11176977381110191},{"text":"And then just every now and then we purchase a a parcel of shares as well.","start":776.07,"end":780.89,"sentiment":"neutral","sentiment_score":0.06252688937820494},{"text":"So so what what age was it?","start":805.42,"end":808.3,"sentiment":"neutral","sentiment_score":0.0039555443716900686},{"text":"Sorry.","start":808.3,"end":808.8,"sentiment":"neutral","sentiment_score":-0.07094623148441315},{"text":"Okay.","start":812.62,"end":813.12,"sentiment":"neutral","sentiment_score":-0.028708450496196747}],"sentiment":"neutral","sentiment_score":0.012320516320566336,"num_words":30,"start":774.55,"end":813.12},{"sentences":[{"text":"I think the answer is pretty generic.","start":815.02,"end":816.755,"sentiment":"neutral","sentiment_score":-0.09498983940907887},{"text":"I don't wanna retire as good as possible.","start":816.755,"end":818.695,"sentiment":"neutral","sentiment_score":-0.31339115276932716},{"text":"Yep.","start":859.97,"end":860.37,"sentiment":"neutral","sentiment_score":0.19778047502040863},{"text":"Awesome.","start":860.37,"end":860.87,"sentiment":"positive","sentiment_score":0.41195589303970337},{"text":"Yep.","start":861.81,"end":862.13,"sentiment":"neutral","sentiment_score":0.18983474373817444}],"sentiment":"neutral","sentiment_score":-0.13180483256777129,"num_words":18,"start":815.02,"end":862.13},{"sentences":[{"text":"That makes sense.","start":862.13,"end":863.02997,"sentiment":"neutral","sentiment_score":0.23928294579188028},{"text":"Honestly, I think it might be a bit more given the cost of living has increased so much, but I I haven't really thought about, you know, how far a thousand's gonna go yet.","start":884.35,"end":893.63,"sentiment":"neutral","sentiment_score":-0.07877785515259295},{"text":"Like, it it just it hasn't really sort of crossed my mind to sort of revise that yet.","start":893.63,"end":899.425,"sentiment":"neutral","sentiment_score":-0.11219188488192028},{"text":"So I'm I'm honestly, I'm not sure.","start":899.425,"end":901.445,"sentiment":"neutral","sentiment_score":-0.25883087515830994},{"text":"Yep.","start":934.075,"end":934.575,"sentiment":"positive","sentiment_score":0.3833239674568176}],"sentiment":"neutral","sentiment_score":-0.0858499099101339,"num_words":63,"start":862.13,"end":934.575},{"sentences":[{"text":"Sure.","start":935.03503,"end":935.53503,"sentiment":"positive","sentiment_score":0.3998798131942749},{"text":"Sure.","start":961.365,"end":961.62,"sentiment":"neutral","sentiment_score":0.2734876871109009},{"text":"Very few direct shares.","start":973.54,"end":974.74,"sentiment":"neutral","sentiment_score":-0.09290681034326553},{"text":"Like I said, it's only got $4,000 in in direct shares.","start":974.74,"end":978.485,"sentiment":"neutral","sentiment_score":-0.020500898784534496},{"text":"Yeah.","start":979.745,"end":980.065,"sentiment":"neutral","sentiment_score":0.17518632113933563}],"sentiment":"neutral","sentiment_score":0.013967594080087211,"num_words":18,"start":935.03503,"end":980.065},{"sentences":[{"text":"That's that's better.","start":980.065,"end":981.285,"sentiment":"neutral","sentiment_score":0.2201976478099823},{"text":"Sorry.","start":1005.895,"end":1006.135,"sentiment":"neutral","sentiment_score":-0.22423718869686127},{"text":"I didn't I didn't quite catch the question.","start":1006.135,"end":1007.655,"sentiment":"neutral","sentiment_score":-0.24785596691071987},{"text":"Sorry.","start":1007.655,"end":1008.155,"sentiment":"neutral","sentiment_score":-0.21705970168113708},{"text":"Yep.","start":1015.735,"end":1016.235,"sentiment":"neutral","sentiment_score":-0.06355535238981247}],"sentiment":"neutral","sentiment_score":-0.13050764533025877,"num_words":14,"start":980.065,"end":1016.235},{"sentences":[{"text":"Sure.","start":1024.4099,"end":1024.9099,"sentiment":"neutral","sentiment_score":0.02691013738512993},{"text":"Given my current age and and whatnot, I'd say that I'm happy to accept the high risk.","start":1037.655,"end":1042.26,"sentiment":"neutral","sentiment_score":0.23310420180068298},{"text":"Sure.","start":1092.9451,"end":1093.345,"sentiment":"neutral","sentiment_score":0.07995657622814178},{"text":"Definitely not the last one.","start":1093.345,"end":1094.965,"sentiment":"neutral","sentiment_score":0.04748178869485855},{"text":"I guess it depends on the market in itself.","start":1095.185,"end":1097.605,"sentiment":"neutral","sentiment_score":0.00898605233265294}],"sentiment":"neutral","sentiment_score":0.13296731996039549,"num_words":33,"start":1024.4099,"end":1097.605},{"sentences":[{"text":"Like, that 20% drop, was it a really quick drop?","start":1097.665,"end":1100.69,"sentiment":"neutral","sentiment_score":-0.005868598259985447},{"text":"Was it a sort of a very gradual drop?","start":1100.69,"end":1103.01,"sentiment":"neutral","sentiment_score":-0.048357231749428645},{"text":"I guess it depends.","start":1103.01,"end":1104.07,"sentiment":"neutral","sentiment_score":-0.04339333809912205},{"text":"But, yeah, there would be obviously consideration for either holding or, I guess, adding more funds to it to sort of capitalize on that dip.","start":1105.49,"end":1115.765,"sentiment":"neutral","sentiment_score":0.007429398000240326},{"text":"Yep.","start":1117.185,"end":1117.685,"sentiment":"neutral","sentiment_score":-0.0009683302487246692}],"sentiment":"neutral","sentiment_score":-0.009851179611916673,"num_words":49,"start":1097.665,"end":1117.685},{"sentences":[{"text":"Yep.","start":1139.46,"end":1139.865,"sentiment":"neutral","sentiment_score":0.08423656225204468},{"text":"So what was the last one?","start":1173.595,"end":1175.135,"sentiment":"neutral","sentiment_score":-0.017507212236523628},{"text":"If any particular asset was to drop in value, I'd actually view it as an opportunity.","start":1180.075,"end":1187.51,"sentiment":"neutral","sentiment_score":0.06839270167984068},{"text":"Yeah.","start":1187.73,"end":1188.23,"sentiment":"neutral","sentiment_score":0.02131565846502781},{"text":"I don't know if you mentioned the percentage in there for that last question or not, but yeah, I sort of look at things from an opportunity perspective.","start":1190.61,"end":1199.9349,"sentiment":"neutral","sentiment_score":0.05326504200430853}],"sentiment":"neutral","sentiment_score":0.049734872121077314,"num_words":52,"start":1139.46,"end":1199.9349},{"sentences":[{"text":"If it drops in value, I mean, that it's at a discount, but obviously, it has to be the right asset, like, you know, just finally jumping in.","start":1199.9349,"end":1205.955,"sentiment":"neutral","sentiment_score":0.002749395215817328},{"text":"No.","start":1220.2201,"end":1220.7201,"sentiment":"neutral","sentiment_score":-0.07739076763391495},{"text":"For sure.","start":1225.3401,"end":1225.8201,"sentiment":"neutral","sentiment_score":0.014662799425423145},{"text":"Yes.","start":1225.8201,"end":1226.3201,"sentiment":"neutral","sentiment_score":0.07307825237512589},{"text":"It means that the share is a lot more volatile.","start":1248.96,"end":1250.96,"sentiment":"neutral","sentiment_score":-0.1084332935512066}],"sentiment":"neutral","sentiment_score":-0.023388971092312465,"num_words":42,"start":1199.9349,"end":1250.96},{"sentences":[{"text":"The portfolio is a lot more volatile.","start":1250.96,"end":1252.9751,"sentiment":"neutral","sentiment_score":-0.11364710650273732},{"text":"And if I'm not mistaken, I think from memory, it was a sort of historical trajectory that, you know, let's say every five years, there was one year that you'd actually move backwards for four years of growth, Some some things like that.","start":1253.035,"end":1265.89,"sentiment":"neutral","sentiment_score":-0.023158960520874624},{"text":"Yeah.","start":1265.89,"end":1266.39,"sentiment":"neutral","sentiment_score":0.08686921745538712},{"text":"Yep.","start":1332.75,"end":1333.15,"sentiment":"neutral","sentiment_score":0.1212385818362236},{"text":"That sounds good.","start":1333.15,"end":1334.085,"sentiment":"neutral","sentiment_score":0.29966987669467926}],"sentiment":"neutral","sentiment_score":-0.012440865791656755,"num_words":55,"start":1250.96,"end":1334.085},{"sentences":[{"text":"Yeah.","start":1338.1649,"end":1338.6649,"sentiment":"neutral","sentiment_score":0.23972520232200625},{"text":"I'm I'm happy to just be in that bucket, and I think that I well, maybe things would change, but at the moment, I'd say that I'd be in that bucket probably until about five years from retirement.","start":1338.725,"end":1348.1849,"sentiment":"neutral","sentiment_score":0.2317555686949115},{"text":"I think something came through on my phone earlier.","start":1381.13,"end":1384.1101,"sentiment":"neutral","sentiment_score":-0.014521313003367849},{"text":"I might just have access to my computer at the moment, so I might have to check it on my phone.","start":1384.3301,"end":1389.15,"sentiment":"neutral","sentiment_score":-0.014015206002763339},{"text":"I I I should do.","start":1395.345,"end":1396.305,"sentiment":"neutral","sentiment_score":0.03736477568745613}],"sentiment":"neutral","sentiment_score":0.11903039929834572,"num_words":74,"start":1338.1649,"end":1396.305},{"sentences":[{"text":"Maybe you can just give me a couple of minutes.","start":1396.305,"end":1398.405,"sentiment":"neutral","sentiment_score":0.037270592898130415},{"text":"Sure.","start":1400.145,"end":1400.645,"sentiment":"neutral","sentiment_score":0.077235147356987},{"text":"Maybe you can run through it with me then.","start":1413.5099,"end":1415.2899,"sentiment":"neutral","sentiment_score":0.11961447530322605},{"text":"I'm happy with that level of cover.","start":1500.82,"end":1502.6,"sentiment":"positive","sentiment_score":0.5426186663763863},{"text":"For now, yeah.","start":1512.095,"end":1513.075,"sentiment":"neutral","sentiment_score":0.08508635436495145}],"sentiment":"neutral","sentiment_score":0.18600203605989615,"num_words":30,"start":1396.305,"end":1513.075},{"sentences":[{"text":"Sure.","start":1522.7401,"end":1523.2401,"sentiment":"neutral","sentiment_score":0.23433555662631989},{"text":"I've downloaded the network app.","start":1552.0701,"end":1554.25,"sentiment":"neutral","sentiment_score":0.036610453575849536},{"text":"So I sort of jump on I was actually on this morning just having a look at a a couple of things.","start":1554.79,"end":1559.27,"sentiment":"neutral","sentiment_score":-0.03142524908550761},{"text":"It's a little foreign to me.","start":1559.27,"end":1562.5349,"sentiment":"neutral","sentiment_score":-0.14061701049407324},{"text":"But let's have a look at a few things.","start":1562.995,"end":1564.595,"sentiment":"neutral","sentiment_score":-0.004263115839825736}],"sentiment":"neutral","sentiment_score":-0.026884599090662112,"num_words":43,"start":1522.7401,"end":1564.595},{"sentences":[{"text":"You know, certain things go up in price, certain things go down, and I think I have a general understanding of it.","start":1564.595,"end":1570.0349,"sentiment":"neutral","sentiment_score":0.01865971206941388},{"text":"So That sounds good.","start":1570.0349,"end":1634.28,"sentiment":"positive","sentiment_score":0.5616447404026985},{"text":"That's pretty straightforward.","start":1638.26,"end":1639.24,"sentiment":"positive","sentiment_score":0.35401249925295514},{"text":"I I I don't wanna cut you off, and I don't need to be rude.","start":1640.4149,"end":1642.4149,"sentiment":"neutral","sentiment_score":0.026572290311257043},{"text":"I've got a meeting in literally one minute.","start":1642.4149,"end":1644.6749,"sentiment":"neutral","sentiment_score":0.052491588052362204}],"sentiment":"neutral","sentiment_score":0.08726244584585612,"num_words":52,"start":1564.595,"end":1644.6749},{"sentences":[{"text":"Is there much more to go?","start":1645.215,"end":1646.755,"sentiment":"neutral","sentiment_score":0.021668059285730124},{"text":"Thanks.","start":1649.9349,"end":1650.4349,"sentiment":"neutral","sentiment_score":0.31686514616012573},{"text":"That makes sense.","start":1683.06,"end":1683.9601,"sentiment":"neutral","sentiment_score":0.14649919172128043},{"text":"Awesome.","start":1710.94,"end":1711.34,"sentiment":"positive","sentiment_score":0.7667560577392578},{"text":"Alright.","start":1711.34,"end":1711.6599,"sentiment":"positive","sentiment_score":0.6319501996040344}],"sentiment":"neutral","sentiment_score":0.19042311119847,"num_words":12,"start":1645.215,"end":1711.6599},{"sentences":[{"text":"Thank you.","start":1711.6599,"end":1712.4,"sentiment":"positive","sentiment_score":0.801040381193161},{"text":"Thanks.","start":1714.78,"end":1715.28,"sentiment":"positive","sentiment_score":0.6921442747116089},{"text":"Bye.","start":1715.4199,"end":1715.9199,"sentiment":"positive","sentiment_score":0.39411792159080505}],"sentiment":"positive","sentiment_score":0.672085739672184,"num_words":4,"start":1711.6599,"end":1715.9199}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Veronica from OQ Financial. How are\n\nChannel 1: Hello?\n\nChannel 0: you?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Tom Tung Ho, 09/12/1984.\n\nChannel 0: Yep.\n\nChannel 1: 7 Violet Place, Craig, Glen Vic 3064.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy.\n\nChannel 1: Dizzy. Yeah. Really busy.\n\nChannel 0: Yeah. Well, I will try my best to make this as quick as I can for you. But before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at?\n\nChannel 1: I guess we just started with a bit of a catch up and just, I guess, make sure that, you know, the the strategy that we've got at the moment is still the best one for me, I guess.\n\nChannel 0: Yep. Perfect. So what I will do first is I have to send you an email with some documents, but sometimes it takes a little bit to come through. So what I will do is just to run through a bit of an updated fact find with you first just to see if there is anything major that has changed in your life\n\nChannel 1: Cool.\n\nChannel 0: that then might mean that would you have to make some changes. So just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And next up, Ken, I have your wife nominated. Phone number ending in 623. That's still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now when it comes to occupation, what is it that you do for work?\n\nChannel 1: I'm just, I guess, in the general area. So I previously was a data analyst, and I'm now moving towards a bit more of a commercial. I guess it's still a data analyst. It's a the title is commercial data analyst.\n\nChannel 0: Perfect. And do you enjoy it?\n\nChannel 1: Yeah. Yeah. I love it.\n\nChannel 0: Yeah. That's good. And you're working full time?\n\nChannel 1: Working full time. Yes.\n\nChannel 0: Yep. Perfect. And I imagine that's mainly just office based?\n\nChannel 1: Hybrid.\n\nChannel 0: Hybrid? And is that hybrid working from home in office or hybrid as in working in office and\n\nChannel 1: Yep.\n\nChannel 0: being on-site?\n\nChannel 1: Hybrid working from home and office.\n\nChannel 0: Oh, yeah. Perfect. That's nice. Now income wise, I have here that last time we spoke to you, it was around 92,500. Is that still the case, or has that changed\n\nChannel 1: No.\n\nChannel 0: at\n\nChannel 1: It's it's gone\n\nChannel 0: all?\n\nChannel 1: up to $1.25.\n\nChannel 0: Oh, nice. 25. Perfect. Now is that based and do you earn any in car sorry, any overtime or bonuses or anything, or does it roughly stay the same?\n\nChannel 1: That's the base. There's no overtime in that bonus.\n\nChannel 0: Okay. Perfect. And your employer, they just pay you that standard 12% contribution into super, or do you have a special, like, EBA in place or anything with them?\n\nChannel 1: No. Just the standard 12.\n\nChannel 0: Just a standard 12. Perfect. And you're not making any additional contributions? Is that from your employer?\n\nChannel 1: No.\n\nChannel 0: Yep. Great. Assets and liabilities wise, I have here that your property, last time we spoke to you, was right at about 622,000. Do you know if that's the case, or has that gone up a little bit? Do you know?\n\nChannel 1: I imagine it went up throughout the year, but given what's happening with within Australia at the moment, I feel like it may have come down a bit, but, honestly, I haven't checked it in the last maybe five, six months.\n\nChannel 0: No. That's okay. Do you think roughly after everything you'll be leaving at the same?\n\nChannel 1: I I I reckon it might be up, you know, maybe towards the $6.40, $6.50 mark.\n\nChannel 0: Alright. Perfect. I'll do $6.40. Now mortgage, I have here about 450.\n\nChannel 1: Yeah. That that's obviously come down a bit as the years progressed. I I've I've paid extra into it as well, but if we sort of take all that out, I'd say that we're probably sitting at around about 04:30 ish.\n\nChannel 0: 04:30. Perfect. Thank you. Now I also have here that you have two motor vehicles, one valued at 11,000 and one at 3,000. Is that still the case?\n\nChannel 1: That's changed.\n\nChannel 0: Mhmm.\n\nChannel 1: So we're actually only on one vehicle at the moment, and the\n\nChannel 0: Okay.\n\nChannel 1: vehicle was purchased last year. So I\n\nChannel 0: Mhmm.\n\nChannel 1: don't know how to evaluate it from a depreciation perspective, but we bought it for around about 50,000.\n\nChannel 0: Okay. Yep.\n\nChannel 1: And, obviously, that's on a a car loan. So I don't\n\nChannel 0: Yep.\n\nChannel 1: know how to sort of work that out, and maybe you can help me there.\n\nChannel 0: Yeah. No. That's okay. I'll just put it in. So you bought it last year.\n\nWhat kind of car is it?\n\nChannel 1: It's a Geely. It's a electric vehicle.\n\nChannel 0: Yeah. That will be handy now with fuel prices for you guys.\n\nChannel 1: Yeah.\n\nChannel 0: And okay. So when you bought it, did you put a deposit down on it, or was it mainly just, like, the whole amount on the on the current loan and then you're just repaying after you go?\n\nChannel 1: I think it was just, like, a $1,000 deposit or something.\n\nChannel 0: Okay.\n\nChannel 1: I can't remember, to be honest, but it was a very, very small and then the rest of it was just on the line.\n\nChannel 0: The loan no. That's okay. And do you know what your repayments are at all?\n\nChannel 1: I know that they were about $6.50 a fortnight. I don't\n\nChannel 0: Mhmm.\n\nChannel 1: know how much they've changed. I haven't checked it.\n\nChannel 0: Yeah. No. That's okay. Gives me a bit of an idea anyway. So that's good.\n\nAnd then the 3,000 and the other 11,000, you sold those?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. I also have here that you have about 3,000 in an offset account.\n\nChannel 1: Yeah. Probably about 5\n\nChannel 0: Yeah.\n\nChannel 1: thousand now.\n\nChannel 0: About 5. Perfect. And you also have some shares about $7,000.\n\nChannel 1: I've got that's probably come down a bit. I think it shows have lost the the value, but I my best guess would be maybe about 3 and a half, maybe 4,000.\n\nChannel 0: Perfect. And is that just on a trading platform, or how do you have those shares?\n\nChannel 1: It's across two trading platforms.\n\nChannel 0: Okay. And what platforms are they?\n\nChannel 1: One is Super Hero and the other one is CommSec.\n\nChannel 0: Yeah. Perfect. Now do you have any other assets that's changed in the last twelve months that we haven't gone over yet?\n\nChannel 1: I don't think so.\n\nChannel 0: Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, SIP pay?\n\nChannel 1: Apart from the additional car loan, I think last we spoke, everything else is pretty normal.\n\nChannel 0: Yep. Okay. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Perfect. And do you have private health insurance?\n\nChannel 1: Yes. We do. Yes.\n\nChannel 0: Yep. And that is hospital as well?\n\nChannel 1: Yeah. Hospital and extras.\n\nChannel 0: Yeah. Great. Perfect. Especially now with your income being a bit higher as well, You do wanna avoid that extra medical levy surcharge. So that's good that you do have the private health with hospitals, so that is great.\n\nNow estate planning wise, I have here your wife nominated for your beneficiary. So if something were to happen to you, it will all go to her. That's still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And because it is going to a spouse, if something ever were to happen, she will receive everything tax free as well, which is great. And do you guys have a will in place or power of attorney or anything like that?\n\nChannel 1: I don't think so. I I I don't think I've ever sort of completed a will.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: But you don't have anyone who makes any financial decisions on your behalf, otherwise?\n\nChannel 1: I just figured that would be my wife, given\n\nChannel 0: Yeah.\n\nChannel 1: that she is myself. I I figured that was just to focus to her.\n\nChannel 0: Yep. It is good to still consider I always tell everyone that it is good to have a will in place with us just to make everything as as streamlined as possible. If something ever were to happen, you can always get dual wills as well, potentially. So if something ever were to happen to you and your wife's assets and stuff, I do always suggest it is good to have a look at. Obviously, completely up to you.\n\nYou can do it different ways. Obviously, the most comprehensive way is going through a lawyer. Some people, if you don't have a very complex estate or you don't wanna spend the money on the lawyer, you can even just get, like, a will kit from the post office, which is a lot cheaper. The only thing with that is just making sure if you do decide to go down that way, to just read instructions carefully and complete it correctly. So if something ever were to happen, it will hold up in court.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now?\n\nChannel 1: Honestly, I'm not thinking about it at the moment. So maybe\n\nChannel 0: No. That's\n\nChannel 1: maybe you're down\n\nChannel 0: okay.\n\nChannel 1: the track a bit.\n\nChannel 0: Yeah. I mean, if it ever changes, just let me know, and we can always send you some information. If not, it's always good to have in the back of your mind. But the good thing is that because your superannuation and insurances does not form part of the estate, because you do have a valid nomination in place for those, that will definitely go to your your wife if something were to happen as well. So that's all sorted for you.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Yep. Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, often doing the interview is good to kind of check-in to be like, okay. What was your goals last year? How did you go with or do you need any further assistance with anything, or has anything changed? Now when we spoke to you last time, your main focus was to potentially buy an investment property.\n\nIs that still kind of on the cards and something you guys are working towards, or has that changed?\n\nChannel 1: It it is. And we were actually actively looking sort of late last year into early this year, and we actually placed an offer down on a property, but it fell through. It didn't didn't work out. So we we\n\nChannel 0: Okay.\n\nChannel 1: are actively looking. It\n\nChannel 0: Okay.\n\nChannel 1: just hasn't sort of yielded me through yet.\n\nChannel 0: Yep. Okay. No problem. Otherwise, looking a bit more medium term goal, your your focus was to kinda get your son through high school in the next two years, I believe, and to put him through private school and potentially save up a little bit for that. Is that still kind of something you guys are working towards?\n\nChannel 1: That's already completed. So\n\nChannel 0: Oh,\n\nChannel 1: he's\n\nChannel 0: great.\n\nChannel 1: actually in he's he's in private school. Actually, both funds are in private school at the moment. Actually, funny enough. So\n\nChannel 0: Well, that's great.\n\nChannel 1: yeah.\n\nChannel 0: We've definitely achieved that. Sorry. I'll update that. That's great. And aside from that, I have here that you're you're basically just focusing on paying down the mortgage as much as possible.\n\nI know you said you are making a bit of extra repayments on the mortgage. Is that kind of your main focus aside from the investment property otherwise?\n\nChannel 1: Yeah. I I guess so. We obviously got the extra repayment onto the mortgage sort of using that doubling up as a sort of investment property for the deposit for the investment property. So, you know, I guess in the interim, which is really in as a reduced interest.\n\nChannel 0: Yep.\n\nChannel 1: And then when the time comes, we would consider taking it out. Not all of it because we wanna leave sort of a bit of a rainy day fund.\n\nChannel 0: Yeah.\n\nChannel 1: But,\n\nChannel 0: Bit\n\nChannel 1: yeah,\n\nChannel 0: of\n\nChannel 1: that's\n\nChannel 0: a no. Just me.\n\nChannel 1: that's it. And then just\n\nChannel 0: Yep.\n\nChannel 1: every now and then we purchase a a parcel of shares as well.\n\nChannel 0: Yeah. Oh, that's good. And I think that's a really good way to do things as well. Now when it comes to superannuation for you, I do have it down here that, ideally, you would like to retire at the age of 67. Is that still the plan?\n\nDo you you're happy to work a bit longer, or would you like to start your own income at 60 when you can?\n\nChannel 1: So\n\nChannel 0: Or\n\nChannel 1: so\n\nChannel 0: or what are your thoughts?\n\nChannel 1: what what age was it? Sorry.\n\nChannel 0: I have 67 noted down here for you.\n\nChannel 1: Okay. I think the answer is pretty generic. I don't wanna retire as good as possible.\n\nChannel 0: Yep. That's what most people say, so I will just change that to 60. Now with the current legislation, you if you retire, you can access your super company tax free at the age of 60, between 60 and 65. So if you wanted to, you know, reduce your hours, like a bit of part time, but still want to draw a bit of an income from your superannuation as well, you can do that under a transition to retirement strategy. So if, you know, that is something you're interested in down the line when you get closer to that, we can look at that for you.\n\nOr, otherwise, 65, if you keep working, you can then access everything tax free. 67 is age pension.\n\nChannel 1: Yep. Awesome.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep. That makes sense.\n\nChannel 0: Yep. Perfect. And I have here as well that from a weekly income from superannuation when you do retire, that you would like to draw about a thousand dollars per week. Do you see still think that would be achievable, or do you think you need a little bit more for, like, living expenses and everything for you?\n\nChannel 1: Honestly, I think it might be a bit more given the cost of living has increased so much, but I\n\nChannel 0: Yeah. Yes.\n\nChannel 1: I haven't really thought about,\n\nChannel 0: How\n\nChannel 1: you know,\n\nChannel 0: much?\n\nChannel 1: how far a thousand's gonna go yet. Like, it it just it hasn't really sort of crossed my mind to sort of revise that\n\nChannel 0: What\n\nChannel 1: yet.\n\nChannel 0: I would\n\nChannel 1: So I'm I'm\n\nChannel 0: no. And\n\nChannel 1: honestly, I'm not sure.\n\nChannel 0: and and that's perfectly fine. And and to be fair, most people say between 1,000 up to 1,500, maybe 2,000, depending on how obviously extravagant you want your lifestyle during retirement, but then also your other assets. Because for most people, the goal is to be, you know, not have too much mortgage attached to their property. So then you don't really have those repayments to worry about, and it will be mainly just to cover, you know, living expenses, doing some traveling, and just enjoy retirement, essentially.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Now when it comes to your superannuation as well, the next thing I run through with you quickly there is just a bit of an updated risk profile questionnaire, and that is just to see if your risk tolerance or anything has changed when it comes to your superannuation investments, if we need to make any changes. So it is all multiple choice to make it nice and easy, and there is no right or wrong answer. Does that make sense?\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Now when it comes to your personal investments as well, is that mainly, like, ETFs, managed funds, or do you have direct shares as well?\n\nChannel 1: Very few direct shares. Like I said, it's only got $4,000 in in direct\n\nChannel 0: Yep.\n\nChannel 1: shares.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yeah. That's that's better.\n\nChannel 0: No. That's all good. Now next is when it comes to inflation. So inflation, obviously, means things are getting more expensive over time, making your money worth less and everything. It's costing a little bit more.\n\nNow how much of a risk are you willing to take in order to kinda keep up with the the rising prices and everything thinking about your superannuation?\n\nChannel 1: Sorry.\n\nChannel 0: Would\n\nChannel 1: I didn't\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: say\n\nChannel 1: didn't quite catch the question. Sorry.\n\nChannel 0: yeah. No. So, basically, it talks about increasing prices and everything continues to go up and getting more expensive and\n\nChannel 1: Yep.\n\nChannel 0: how much risk you are willing to take in order to try and make sure that you stay on top of the increasing prices and everything like that.\n\nChannel 1: Sure.\n\nChannel 0: So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk?\n\nChannel 1: Given my current age and and whatnot, I'd say that I'm happy to accept the high risk.\n\nChannel 0: Mhmm. Yep. Perfect. And volatility wise, how would you feel if, let's say, after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So it's not like one particular investment that's gone bad, just general trends happening in the market, which we've seen a little bit over the last twelve months.\n\nNow would you say that if you had the option to do so, you'd wanna take advantage of the drop in prices by thinking that now is a good time to invest a little bit more? Would you hold and kind of wait and see what happens, or would you want to shift to a bit more of a secure asset? So that means you are then selling when the prices have already dropped.\n\nChannel 1: Sure. Definitely not the last one. I\n\nChannel 0: Yeah.\n\nChannel 1: guess it depends on the market in itself.\n\nChannel 0: Yeah.\n\nChannel 1: Like, that 20% drop, was it a really quick drop? Was it a sort of a very gradual drop? I guess it depends.\n\nChannel 0: Mhmm.\n\nChannel 1: But, yeah, there would be obviously consideration for either holding or, I guess, adding more funds to it to sort of capitalize on that dip.\n\nChannel 0: Mhmm. Depending\n\nChannel 1: Yep.\n\nChannel 0: on circumstances and stuff. No. That makes sense. Some of these questions is a little bit some of these questions is a bit tricky as well because it's very much circumstantial, and it's more so just to kinda gauge your behavior in regards to it and how you'd feel in certain environment. Sorry.\n\nAnd, yeah, I completely understand that sometimes different scenarios would obviously mean different outcomes.\n\nChannel 1: Yep.\n\nChannel 0: But that at least is good to know. Now next is, again, when it comes to fluctuation. So superannuation, property, your personal investments, anything like that, if any has ever fallen in value, how did that make you feel? Would you say optimistic about future investment opportunities? A bit more kind of neutral, cautious, not making further investments, or highly anxious?\n\nChannel 1: So what was the last one?\n\nChannel 0: Highly anxious.\n\nChannel 1: If any particular asset was to drop in value, I'd actually view it as\n\nChannel 0: Yep.\n\nChannel 1: an opportunity. Yeah.\n\nChannel 0: That's good. You see the value\n\nChannel 1: I\n\nChannel 0: kinda\n\nChannel 1: don't know if you mentioned\n\nChannel 0: with\n\nChannel 1: the percentage\n\nChannel 0: the market.\n\nChannel 1: in there for that last question or not, but yeah, I sort of look at things from an opportunity perspective. If\n\nChannel 0: Mhmm.\n\nChannel 1: it drops in value, I mean, that it's at a discount, but obviously, it has to be the right\n\nChannel 0: Yep.\n\nChannel 1: asset, like, you know, just finally\n\nChannel 0: Yes.\n\nChannel 1: jumping in.\n\nChannel 0: Yes. No. Perfect. That no. That's that's really good.\n\nAnd the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: No.\n\nChannel 0: No. You would be open for borrowing for an investment property, though?\n\nChannel 1: For sure. Yes.\n\nChannel 0: Yep. Alright. Perfect. Now that tells me here that you are kind of borderline between a high growth and an aggressive investor. Now at the moment, we do have you invested in an aggressive portfolio.\n\nDo you remember what it means to be an aggressive portfolio? Sorry. An aggressive investor at all and how it all works?\n\nChannel 1: It means that the share is a lot more volatile. The portfolio is a lot more volatile. And if I'm not mistaken, I think from memory, it was a sort of historical trajectory that, you know, let's say every five years, there was one year that you'd actually move backwards for four years of growth,\n\nChannel 0: Correct.\n\nChannel 1: Some some things like that. Yeah.\n\nChannel 0: Yeah. And that is very spot on. And it basically exactly like that is tailored for investors who are obviously plenty of time until retirement, Happy to see short term fluctuations in order to try to grow your super as much as possible over the long term. Time frame wise, you do have plenty of time until retirement, and we ideally like to see about ten years until retirement in aggressive portfolio, which you certainly have behind you to kind of wait for those fluctuations to come back around. And when it comes through how your assets are invested, we see around 95 to about a 100 is invested in your growth assets.\n\nSo that will be things like Australian shares, international shares, property, and commodities, and that is ultimately what's going to maximize those returns for you. And then between about 5% or less will be in your defensive, like your cash, your gold, your fixed interest. Payment fluctuations a little bit, but the main focus is to be kind of invested in those growth investments to to give you that growth over the long term.\n\nChannel 1: Yep.\n\nChannel 0: Does that\n\nChannel 1: That\n\nChannel 0: all\n\nChannel 1: sounds\n\nChannel 0: make sense?\n\nChannel 1: good.\n\nChannel 0: Are you still happy for now to be in an aggressive portfolio?\n\nChannel 1: Yeah. I'm I'm happy to just be in that bucket, and I think that I well, maybe things would change, but at the moment, I'd say that I'd be in that bucket probably until about five years\n\nChannel 0: Yep.\n\nChannel 1: from retirement.\n\nChannel 0: Yep. Perfect. And that's usually the case as well. Obviously, the closer you get to retirement, that's when people want to start slowly reducing their risk down a little bit because you don't have as much time in the market. So it would definitely make sense from a time frame point of view.\n\nIt seems like you have a pretty good understanding of the market and that they do fluctuate as well, which is great. Now have you received an email from myself at all in the last ten, fifteen minutes?\n\nChannel 1: I think something came through on my phone earlier.\n\nChannel 0: Yeah.\n\nChannel 1: I might just have access to my computer at the moment, so I might\n\nChannel 0: No.\n\nChannel 1: have to check\n\nChannel 0: That's\n\nChannel 1: it on my phone.\n\nChannel 0: yeah. That's okay. Are you do you have the opportunity to access it on your phone? Or\n\nChannel 1: I I I should do. Maybe you can just give me\n\nChannel 0: yeah.\n\nChannel 1: a couple of minutes.\n\nChannel 0: Yeah. Sure. Because\n\nChannel 1: Sure.\n\nChannel 0: otherwise, if you don't, I can always just run through them with you while you can't see them. And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them. It is completely up to you.\n\nChannel 1: Maybe you can run through it with me then.\n\nChannel 0: Yeah. Okay. Perfect. Now we have recently changed the software as well. So when you do have a look at the documents, if it looks a little bit different, that's why the principle is still the same.\n\nClick on the email. Click on the link where it says sign now. Now it will still allow you to open up all the documents before it prompts you to sign anything so that you can review them first. But, essentially, when you do have a look at it, you will see a couple of documents. Now one is your super and insurance summary.\n\nNow you have your super with Netwealth, and you do have about a $119,987 in there at the moment. Now you also have some insurances with Clearview, and you have life and total permanent disability insurance. And that is covering you for $532,840. Now with your life and TPD, because it is structured and paid from within superannuation, you do get a tax rebate. So the total premium you pay for both those two is $481 per year.\n\nNow when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less? Or what are your thoughts in regards to that life and TPD for you?\n\nChannel 1: I'm happy with that level of cover.\n\nChannel 0: Yep. Perfect. And I can see here as well that you don't have income protection or trauma insurance. You're still comfortable without those two insurance policies?\n\nChannel 1: For now, yeah.\n\nChannel 0: Yep. Okay. Perfect. If anything ever changes down the track as well, just let us know. It doesn't have to be at annual review time.\n\nIt can be any time as well if if you do change your mind.\n\nChannel 1: Sure.\n\nChannel 0: Now you will also see your Clearview certificate of currency added in the email there for you. It just breaks down your insurances in a little bit more detail, but, basically, just lets you know that's all paid and up to date. Now what you also have is then a Netwealth performance report. Do you go in and have a look at your super investments every now and then, or is that not something you really pay much attention to?\n\nChannel 1: I've downloaded the network app. So\n\nChannel 0: Yeah.\n\nChannel 1: I sort of jump on I was actually on this morning just having a look at a a couple of things. It's a little foreign to me. But let's have\n\nChannel 0: Yeah.\n\nChannel 1: a look at a few things. You know, certain things go up in price, certain things go down, and I think I have a general understanding of it. So\n\nChannel 0: Okay. Oh, well, that's good. Now the report that I have included for you, it gives you a snapshot over the last twelve months. So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments. It also gives you a total portfolio review, so the total return of the portfolio for you.\n\nAnd in the last twelve months, you kind of touched on as well. We have seen a little bit of fluctuation obviously in the market, a bit of ups and downs. But despite all of that, though, and despite that we do have you in an aggressive portfolio, your portfolio overall has still done really good. So over the last twelve months, now this is all after fees. So after all fees have been deducted from your account, your portfolio has still gone up by 11.31% from your investments, which is really good.\n\nChannel 1: That sounds good.\n\nChannel 0: Yeah. Do you have any questions so far? That's pretty straightforward.\n\nChannel 1: That's pretty straightforward.\n\nChannel 0: Yep.\n\nChannel 1: I I I don't wanna cut you off, and I don't need to be rude. I've got a meeting in literally one minute. Is\n\nChannel 0: Okay.\n\nChannel 1: there much more to go?\n\nChannel 0: No. No. I'll try to make it quick. I'll\n\nChannel 1: Thanks.\n\nChannel 0: do it as fast as I can. It seems like you're pretty on top of it, so I'm happy to skip most of the other documents. But the only thing I do wanna let you know is that if you're happy to do so, I will just need you to sign two documents. One is an ongoing service agreement. That is just to say that you are happy to stay on as a client.\n\nNow there's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super, not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, but this lets us service your account and manage your investments for you in the meantime. Does that make sense?\n\nChannel 1: That makes sense.\n\nChannel 0: Yep. Alright. Perfect. Well, I will let you go. Have a look through the document when you have a bit more time.\n\nIf you have any questions in regards to anything, we haven't gone through a lot of the rest. It's just kind of compliance documents. Have a read over it. Let me know if you have any questions. If not, if you're happy, I will just need you to sign those documents there for me, and they will come through, and I will get that all processed for you.\n\nAnd if you need anything else in the meantime, though, don't hesitate to give me a call.\n\nChannel 1: Awesome. Alright. Thank you.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.29705430567264557},{"text":"This is Veronica from OQ Financial.","start":3.12,"end":5.22,"sentiment":"neutral","sentiment_score":0.22702118506034216},{"text":"How are","start":5.2799997,"end":5.6,"sentiment":"neutral","sentiment_score":0.14710088819265366}],"sentiment":"neutral","sentiment_score":0.22504374980926514,"channel":0,"num_words":10,"start":2.3999999,"end":5.6},{"sentences":[{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.14796093106269836}],"sentiment":"neutral","sentiment_score":0.14796093106269836,"channel":1,"num_words":1,"start":5.6,"end":6.1},{"sentences":[{"text":"you?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.1590254157781601}],"sentiment":"neutral","sentiment_score":0.1590254157781601,"channel":0,"num_words":1,"start":5.6,"end":6.1},{"sentences":[{"text":"Good.","start":6.16,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5225533246994019},{"text":"Thank you.","start":6.3199997,"end":6.64,"sentiment":"positive","sentiment_score":0.5773954391479492},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"positive","sentiment_score":0.3663740356763204}],"sentiment":"positive","sentiment_score":0.4627443850040436,"channel":1,"num_words":6,"start":6.16,"end":7.46},{"sentences":[{"text":"I'm good.","start":7.8399997,"end":8.48,"sentiment":"positive","sentiment_score":0.5655669867992401},{"text":"Thanks.","start":8.48,"end":8.98,"sentiment":"positive","sentiment_score":0.6608413457870483},{"text":"I had you booked in to go over your annual review.","start":9.92,"end":12.88,"sentiment":"positive","sentiment_score":0.40053116462447425},{"text":"Is now still a good time for you?","start":12.88,"end":14.595,"sentiment":"neutral","sentiment_score":0.3170766048133373}],"sentiment":"positive","sentiment_score":0.39701958948915655,"channel":0,"num_words":22,"start":7.8399997,"end":14.595},{"sentences":[{"text":"Yes.","start":14.719999,"end":15.135,"sentiment":"neutral","sentiment_score":0.15796099603176117}],"sentiment":"neutral","sentiment_score":0.15796099603176117,"channel":1,"num_words":1,"start":14.719999,"end":15.135},{"sentences":[{"text":"Yes.","start":15.635,"end":16.135,"sentiment":"neutral","sentiment_score":0.1902785301208496},{"text":"Perfect.","start":16.195,"end":16.695,"sentiment":"neutral","sentiment_score":0.3146366477012634},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.075,"end":24.855,"sentiment":"neutral","sentiment_score":0.05018771452636554}],"sentiment":"neutral","sentiment_score":0.0632373838415069,"channel":0,"num_words":31,"start":15.635,"end":24.855},{"sentences":[{"text":"Yep.","start":25.055,"end":25.295,"sentiment":"neutral","sentiment_score":0.12730194628238678},{"text":"That's fine.","start":25.295,"end":26.035,"sentiment":"neutral","sentiment_score":0.22421687096357346}],"sentiment":"neutral","sentiment_score":0.19191189606984457,"channel":1,"num_words":3,"start":25.055,"end":26.035},{"sentences":[{"text":"Perfect.","start":26.515,"end":27.015,"sentiment":"neutral","sentiment_score":0.3091898262500763},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":27.26,"end":36.96,"sentiment":"neutral","sentiment_score":0.07436860352754593}],"sentiment":"neutral","sentiment_score":0.081706766737625,"channel":0,"num_words":32,"start":26.515,"end":36.96},{"sentences":[{"text":"Tom Tung Ho, 09/12/1984.","start":37.98,"end":41.28,"sentiment":"neutral","sentiment_score":0.008957051439210773}],"sentiment":"neutral","sentiment_score":0.008957051439210773,"channel":1,"num_words":4,"start":37.98,"end":41.28},{"sentences":[{"text":"Yep.","start":41.835,"end":42.335,"sentiment":"neutral","sentiment_score":0.014786123298108578}],"sentiment":"neutral","sentiment_score":0.014786123298108578,"channel":0,"num_words":1,"start":41.835,"end":42.335},{"sentences":[{"text":"7 Violet Place, Craig, Glen Vic 3064.","start":42.145,"end":45.364998,"sentiment":"neutral","sentiment_score":0.019299384206533432}],"sentiment":"neutral","sentiment_score":0.019299384206533432,"channel":1,"num_words":7,"start":42.145,"end":45.364998},{"sentences":[{"text":"Yep.","start":45.515,"end":46.015,"sentiment":"neutral","sentiment_score":0.11175637692213058},{"text":"Perfect.","start":46.075,"end":46.555,"sentiment":"positive","sentiment_score":0.41611790657043457},{"text":"That's exactly what I have here.","start":46.555,"end":47.995,"sentiment":"positive","sentiment_score":0.4954814265171687},{"text":"And how's your day been so far?","start":47.995,"end":49.595,"sentiment":"neutral","sentiment_score":0.16134444730622427},{"text":"I've been busy.","start":49.595,"end":50.415,"sentiment":"neutral","sentiment_score":-0.18424166242281595}],"sentiment":"neutral","sentiment_score":0.22652494369281662,"channel":0,"num_words":18,"start":45.515,"end":50.415},{"sentences":[{"text":"Dizzy.","start":51.024998,"end":51.425,"sentiment":"neutral","sentiment_score":-0.20737147331237793},{"text":"Yeah.","start":51.425,"end":51.665,"sentiment":"neutral","sentiment_score":-0.09906983375549316},{"text":"Really busy.","start":51.665,"end":52.485,"sentiment":"neutral","sentiment_score":-0.12417369708418846}],"sentiment":"neutral","sentiment_score":-0.138697175309062,"channel":1,"num_words":4,"start":51.024998,"end":52.485},{"sentences":[{"text":"Yeah.","start":53.05,"end":53.21,"sentiment":"neutral","sentiment_score":-0.03105686977505684},{"text":"Well, I will try my best to make this as quick as I can for you.","start":53.21,"end":56.43,"sentiment":"neutral","sentiment_score":0.024158861255273223},{"text":"But before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at?","start":57.37,"end":71.755,"sentiment":"neutral","sentiment_score":-0.002345225739258307}],"sentiment":"neutral","sentiment_score":0.003223136906892481,"channel":0,"num_words":71,"start":53.05,"end":71.755},{"sentences":[{"text":"I guess we just started with a bit of a catch up and just, I guess, make sure that, you know, the the strategy that we've got at the moment is still the best one for me, I guess.","start":72.575,"end":81.54,"sentiment":"neutral","sentiment_score":0.012619212174262756}],"sentiment":"neutral","sentiment_score":0.012619212174262756,"channel":1,"num_words":39,"start":72.575,"end":81.54},{"sentences":[{"text":"Yep.","start":82.07001,"end":82.57001,"sentiment":"neutral","sentiment_score":0.08988319337368011},{"text":"Perfect.","start":82.630005,"end":83.130005,"sentiment":"neutral","sentiment_score":0.17630499601364136},{"text":"So what I will do first is I have to send you an email with some documents, but sometimes it takes a little bit to come through.","start":83.75,"end":90.39,"sentiment":"neutral","sentiment_score":0.05021858277420203},{"text":"So what I will do is just to run through a bit of an updated fact find with you first just to see if there is anything major that has changed in your life","start":90.39,"end":99.455,"sentiment":"neutral","sentiment_score":0.023896518766003495}],"sentiment":"neutral","sentiment_score":0.038643993052934845,"channel":0,"num_words":63,"start":82.07001,"end":99.455},{"sentences":[{"text":"Cool.","start":100.005005,"end":100.505005,"sentiment":"neutral","sentiment_score":-0.001390509307384491}],"sentiment":"neutral","sentiment_score":-0.001390509307384491,"channel":1,"num_words":1,"start":100.005005,"end":100.505005},{"sentences":[{"text":"that then might mean that would you have to make some changes.","start":100.315,"end":103.215004,"sentiment":"neutral","sentiment_score":-0.036280104890465736},{"text":"So just kind of bear with me as I go through this.","start":103.275,"end":106.015,"sentiment":"neutral","sentiment_score":-0.0025779536614815393},{"text":"Now when it comes to your personal information, I have you down here as married with two financial dependents.","start":107.22,"end":113.72,"sentiment":"neutral","sentiment_score":-0.0035827162577525564},{"text":"Is that still the case as well?","start":113.86,"end":115.560005,"sentiment":"neutral","sentiment_score":0.005961552794490542}],"sentiment":"neutral","sentiment_score":-0.009852748839184642,"channel":0,"num_words":50,"start":100.315,"end":115.560005},{"sentences":[{"text":"Yes.","start":115.9,"end":116.4,"sentiment":"neutral","sentiment_score":0.0700882226228714}],"sentiment":"neutral","sentiment_score":0.0700882226228714,"channel":1,"num_words":1,"start":115.9,"end":116.4},{"sentences":[{"text":"Yep.","start":116.66,"end":117.060005,"sentiment":"neutral","sentiment_score":0.09158211201429368},{"text":"Perfect.","start":117.060005,"end":117.560005,"sentiment":"neutral","sentiment_score":0.17998161911964417},{"text":"And next up, Ken, I have your wife nominated.","start":118.100006,"end":121.880005,"sentiment":"neutral","sentiment_score":0.10930569552712971},{"text":"Phone number ending in 623.","start":122.635,"end":125.515,"sentiment":"neutral","sentiment_score":0.07071622610092163},{"text":"That's still the case as well?","start":125.515,"end":127.055,"sentiment":"neutral","sentiment_score":0.08099720254540443}],"sentiment":"neutral","sentiment_score":0.09522178802977908,"channel":0,"num_words":22,"start":116.66,"end":127.055},{"sentences":[{"text":"Yes.","start":127.245,"end":127.745,"sentiment":"neutral","sentiment_score":0.04539157450199127}],"sentiment":"neutral","sentiment_score":0.04539157450199127,"channel":1,"num_words":1,"start":127.245,"end":127.745},{"sentences":[{"text":"Yep.","start":127.995,"end":128.475,"sentiment":"neutral","sentiment_score":0.1414102017879486},{"text":"Perfect.","start":128.475,"end":128.975,"sentiment":"positive","sentiment_score":0.5174821615219116},{"text":"Now when it comes to occupation, what is it that you do for work?","start":129.675,"end":133.375,"sentiment":"neutral","sentiment_score":0.04855802908007588}],"sentiment":"neutral","sentiment_score":0.08366904815193266,"channel":0,"num_words":16,"start":127.995,"end":133.375},{"sentences":[{"text":"I'm just, I guess, in the general area.","start":134.765,"end":136.525,"sentiment":"neutral","sentiment_score":0.02446633914951235},{"text":"So I previously was a data analyst, and I'm now moving towards a bit more of a commercial.","start":136.525,"end":140.705,"sentiment":"neutral","sentiment_score":0.01634854290427433},{"text":"I guess it's still a data analyst.","start":142.53,"end":143.89001,"sentiment":"neutral","sentiment_score":0.02473734984440463},{"text":"It's a the title is commercial data analyst.","start":143.89001,"end":145.99,"sentiment":"neutral","sentiment_score":0.0356545178219676}],"sentiment":"neutral","sentiment_score":0.023131757974624634,"channel":1,"num_words":41,"start":134.765,"end":145.99},{"sentences":[{"text":"Perfect.","start":147.385,"end":147.885,"sentiment":"positive","sentiment_score":0.4770216345787048},{"text":"And do you enjoy it?","start":148.025,"end":149.405,"sentiment":"positive","sentiment_score":0.3762495815753937}],"sentiment":"positive","sentiment_score":0.3930449237426122,"channel":0,"num_words":6,"start":147.385,"end":149.405},{"sentences":[{"text":"Yeah.","start":149.89,"end":150.13,"sentiment":"neutral","sentiment_score":0.2697269916534424},{"text":"Yeah.","start":150.13,"end":150.37,"sentiment":"positive","sentiment_score":0.4081519842147827},{"text":"I love it.","start":150.37,"end":151.19,"sentiment":"positive","sentiment_score":0.6140161156654358}],"sentiment":"positive","sentiment_score":0.5039854645729065,"channel":1,"num_words":5,"start":149.89,"end":151.19},{"sentences":[{"text":"Yeah.","start":151.465,"end":151.865,"sentiment":"positive","sentiment_score":0.35163789987564087},{"text":"That's good.","start":151.865,"end":152.765,"sentiment":"positive","sentiment_score":0.46688076853752136},{"text":"And you're working full time?","start":153.305,"end":155.965,"sentiment":"neutral","sentiment_score":0.11426020115613937}],"sentiment":"neutral","sentiment_score":0.23208755534142256,"channel":0,"num_words":8,"start":151.465,"end":155.965},{"sentences":[{"text":"Working full time.","start":156.55501,"end":157.35501,"sentiment":"neutral","sentiment_score":0.08086508015791576},{"text":"Yes.","start":157.35501,"end":157.85501,"sentiment":"neutral","sentiment_score":0.09335417300462724}],"sentiment":"neutral","sentiment_score":0.08398735336959362,"channel":1,"num_words":4,"start":156.55501,"end":157.85501},{"sentences":[{"text":"Yep.","start":158.105,"end":158.425,"sentiment":"neutral","sentiment_score":0.10773231834173204},{"text":"Perfect.","start":158.425,"end":158.925,"sentiment":"neutral","sentiment_score":0.19879856705665588},{"text":"And I imagine that's mainly just office based?","start":160.98001,"end":163.96,"sentiment":"neutral","sentiment_score":0.045328589621931314}],"sentiment":"neutral","sentiment_score":0.06691596023738385,"channel":0,"num_words":10,"start":158.105,"end":163.96},{"sentences":[{"text":"Hybrid.","start":165.675,"end":166.175,"sentiment":"neutral","sentiment_score":0.01414394285529852}],"sentiment":"neutral","sentiment_score":0.01414394285529852,"channel":1,"num_words":1,"start":165.675,"end":166.175},{"sentences":[{"text":"Hybrid?","start":166.98001,"end":167.48001,"sentiment":"neutral","sentiment_score":0.019188018515706062},{"text":"And is that hybrid working from home in office or hybrid as in working in office and","start":168.18001,"end":172.74,"sentiment":"neutral","sentiment_score":0.03402304337086046}],"sentiment":"neutral","sentiment_score":0.03319887532335189,"channel":0,"num_words":18,"start":166.98001,"end":172.74},{"sentences":[{"text":"Yep.","start":172.73001,"end":173.23001,"sentiment":"neutral","sentiment_score":0.0271250419318676}],"sentiment":"neutral","sentiment_score":0.0271250419318676,"channel":1,"num_words":1,"start":172.73001,"end":173.23001},{"sentences":[{"text":"being on-site?","start":172.74,"end":173.56,"sentiment":"neutral","sentiment_score":0.021653566509485245}],"sentiment":"neutral","sentiment_score":0.021653566509485245,"channel":0,"num_words":2,"start":172.74,"end":173.56},{"sentences":[{"text":"Hybrid working from home and office.","start":174.49,"end":176.27,"sentiment":"neutral","sentiment_score":0.0542668259392182}],"sentiment":"neutral","sentiment_score":0.0542668259392182,"channel":1,"num_words":6,"start":174.49,"end":176.27},{"sentences":[{"text":"Oh, yeah.","start":176.645,"end":177.045,"sentiment":"neutral","sentiment_score":0.14529358595609665},{"text":"Perfect.","start":177.045,"end":177.545,"sentiment":"positive","sentiment_score":0.36205798387527466},{"text":"That's nice.","start":178.485,"end":179.465,"sentiment":"positive","sentiment_score":0.47037650644779205},{"text":"Now income wise, I have here that last time we spoke to you, it was around 92,500.","start":181.365,"end":188.66501,"sentiment":"neutral","sentiment_score":-0.014282340129070422},{"text":"Is that still the case, or has that changed","start":189.31,"end":191.15001,"sentiment":"neutral","sentiment_score":-0.04161238339212206}],"sentiment":"neutral","sentiment_score":0.03148667535354053,"channel":0,"num_words":31,"start":176.645,"end":191.15001},{"sentences":[{"text":"No.","start":191.065,"end":191.305,"sentiment":"neutral","sentiment_score":-0.09220345318317412}],"sentiment":"neutral","sentiment_score":-0.09220345318317412,"channel":1,"num_words":1,"start":191.065,"end":191.305},{"sentences":[{"text":"at","start":191.15001,"end":191.65001,"sentiment":"neutral","sentiment_score":-0.07714445143938065}],"sentiment":"neutral","sentiment_score":-0.07714445143938065,"channel":0,"num_words":1,"start":191.15001,"end":191.65001},{"sentences":[{"text":"It's it's gone","start":191.305,"end":192.105,"sentiment":"neutral","sentiment_score":-0.07601944853862126}],"sentiment":"neutral","sentiment_score":-0.07601944853862126,"channel":1,"num_words":3,"start":191.305,"end":192.105},{"sentences":[{"text":"all?","start":192.03,"end":192.53,"sentiment":"neutral","sentiment_score":-0.03535402566194534}],"sentiment":"neutral","sentiment_score":-0.03535402566194534,"channel":0,"num_words":1,"start":192.03,"end":192.53},{"sentences":[{"text":"up to $1.25.","start":192.105,"end":193.485,"sentiment":"neutral","sentiment_score":-0.0032966813693443933}],"sentiment":"neutral","sentiment_score":-0.0032966813693443933,"channel":1,"num_words":3,"start":192.105,"end":193.485},{"sentences":[{"text":"Oh, nice.","start":194.03,"end":194.69,"sentiment":"neutral","sentiment_score":0.09475477412343025},{"text":"25.","start":194.91,"end":195.81,"sentiment":"neutral","sentiment_score":0.056269802153110504},{"text":"Perfect.","start":196.35,"end":196.85,"sentiment":"neutral","sentiment_score":0.14264631271362305},{"text":"Now is that based and do you earn any in car sorry, any overtime or bonuses or anything, or does it roughly stay the same?","start":198.51001,"end":207.93501,"sentiment":"neutral","sentiment_score":0.013487721756100655}],"sentiment":"neutral","sentiment_score":0.025021334724693464,"channel":0,"num_words":29,"start":194.03,"end":207.93501},{"sentences":[{"text":"That's the base.","start":208.135,"end":208.855,"sentiment":"neutral","sentiment_score":0.0326417392740647},{"text":"There's no overtime in that bonus.","start":208.855,"end":210.47499,"sentiment":"neutral","sentiment_score":0.0453134390215079}],"sentiment":"neutral","sentiment_score":0.0410895391056935,"channel":1,"num_words":9,"start":208.135,"end":210.47499},{"sentences":[{"text":"Okay.","start":210.875,"end":211.375,"sentiment":"neutral","sentiment_score":0.09995833039283752},{"text":"Perfect.","start":211.43501,"end":211.93501,"sentiment":"neutral","sentiment_score":0.16542325913906095},{"text":"And your employer, they just pay you that standard 12% contribution into super, or do you have a special, like, EBA in place or anything with them?","start":213.195,"end":222.73999,"sentiment":"neutral","sentiment_score":0.04231818399771496}],"sentiment":"neutral","sentiment_score":0.04855077784380008,"channel":0,"num_words":29,"start":210.875,"end":222.73999},{"sentences":[{"text":"No.","start":222.72,"end":222.95999,"sentiment":"neutral","sentiment_score":-0.030598092824220657},{"text":"Just the standard 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employer?","start":230.89499,"end":232.11499,"sentiment":"neutral","sentiment_score":-0.03528020605444908}],"sentiment":"neutral","sentiment_score":-0.015881322652978057,"channel":0,"num_words":17,"start":224.64,"end":232.11499},{"sentences":[{"text":"No.","start":232.87999,"end":233.37999,"sentiment":"neutral","sentiment_score":-0.06676346063613892}],"sentiment":"neutral","sentiment_score":-0.06676346063613892,"channel":1,"num_words":1,"start":232.87999,"end":233.37999},{"sentences":[{"text":"Yep.","start":233.775,"end":234.25499,"sentiment":"neutral","sentiment_score":0.0010038999607786536},{"text":"Great.","start":234.25499,"end":234.75499,"sentiment":"neutral","sentiment_score":0.08721868693828583},{"text":"Assets and liabilities wise, I have here that your property, last time we spoke to you, was right at about 622,000.","start":235.775,"end":244.07,"sentiment":"neutral","sentiment_score":0.0005243780712286631},{"text":"Do you know if that's the case, or has that gone up a little bit?","start":244.61,"end":247.41,"sentiment":"neutral","sentiment_score":-0.053622368971506754},{"text":"Do you know?","start":247.41,"end":248.15,"sentiment":"neutral","sentiment_score":-0.05207457269231478}],"sentiment":"neutral","sentiment_score":-0.021007920152553154,"channel":0,"num_words":41,"start":233.775,"end":248.15},{"sentences":[{"text":"I imagine it went up throughout the year, but given what's happening with within Australia at the moment, I feel like it may have come down a bit, but, honestly, I haven't checked it in the last maybe five, six months.","start":248.83,"end":260.21,"sentiment":"neutral","sentiment_score":-0.1416311634749901}],"sentiment":"neutral","sentiment_score":-0.1416311634749901,"channel":1,"num_words":41,"start":248.83,"end":260.21},{"sentences":[{"text":"No.","start":260.545,"end":260.785,"sentiment":"neutral","sentiment_score":-0.14724239706993103},{"text":"That's okay.","start":260.785,"end":261.505,"sentiment":"neutral","sentiment_score":-0.09618450701236725},{"text":"Do you think roughly after everything you'll be leaving at the same?","start":261.505,"end":266.645,"sentiment":"neutral","sentiment_score":-0.08653885684907436}],"sentiment":"neutral","sentiment_score":-0.09187184621890386,"channel":0,"num_words":15,"start":260.545,"end":266.645},{"sentences":[{"text":"I I I reckon it might be up, you know, maybe towards the $6.40, $6.50 mark.","start":267.735,"end":271.675,"sentiment":"neutral","sentiment_score":0.03405254066456109}],"sentiment":"neutral","sentiment_score":0.03405254066456109,"channel":1,"num_words":16,"start":267.735,"end":271.675},{"sentences":[{"text":"Alright.","start":271.5,"end":272.0,"sentiment":"positive","sentiment_score":0.3356383740901947},{"text":"Perfect.","start":272.46,"end":272.96,"sentiment":"positive","sentiment_score":0.59904944896698},{"text":"I'll do $6.40.","start":273.1,"end":274.96,"sentiment":"neutral","sentiment_score":0.3267957866191864},{"text":"Now mortgage, I have here about 450.","start":275.9,"end":279.36002,"sentiment":"neutral","sentiment_score":0.040838753538472314}],"sentiment":"neutral","sentiment_score":0.18341220480700335,"channel":0,"num_words":12,"start":271.5,"end":279.36002},{"sentences":[{"text":"Yeah.","start":280.16,"end":280.48,"sentiment":"neutral","sentiment_score":0.04446500167250633},{"text":"That that's obviously come down a bit as the years progressed.","start":280.48,"end":283.38,"sentiment":"neutral","sentiment_score":-0.023974218490448864},{"text":"I I've I've paid extra into it as well, but if we sort of take all that out, I'd say that we're probably sitting at around about 04:30 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I","start":314.03,"end":314.66998,"sentiment":"neutral","sentiment_score":-0.02239074185490608}],"sentiment":"neutral","sentiment_score":-0.004164927639067172,"channel":1,"num_words":7,"start":310.11,"end":314.66998},{"sentences":[{"text":"Mhmm.","start":314.545,"end":315.045,"sentiment":"neutral","sentiment_score":-0.01211210247129202}],"sentiment":"neutral","sentiment_score":-0.01211210247129202,"channel":0,"num_words":1,"start":314.545,"end":315.045},{"sentences":[{"text":"don't know how to evaluate it from a depreciation perspective, but we bought it for around about 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think it was just, like, a $1,000 deposit or something.","start":354.745,"end":357.88498,"sentiment":"neutral","sentiment_score":-0.013915011659264565}],"sentiment":"neutral","sentiment_score":-0.013915011659264565,"channel":1,"num_words":11,"start":354.745,"end":357.88498},{"sentences":[{"text":"Okay.","start":358.325,"end":358.825,"sentiment":"neutral","sentiment_score":-0.018439002335071564}],"sentiment":"neutral","sentiment_score":-0.018439002335071564,"channel":0,"num_words":1,"start":358.325,"end":358.825},{"sentences":[{"text":"I can't remember, to be honest, but it was a very, very small and then the rest of it was just on the line.","start":359.145,"end":363.51,"sentiment":"neutral","sentiment_score":-0.08003647408137719}],"sentiment":"neutral","sentiment_score":-0.08003647408137719,"channel":1,"num_words":24,"start":359.145,"end":363.51},{"sentences":[{"text":"The loan 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4,000.","start":412.955,"end":419.42,"sentiment":"neutral","sentiment_score":-0.028795402497053146}],"sentiment":"neutral","sentiment_score":-0.02727234415942803,"channel":1,"num_words":32,"start":409.995,"end":419.42},{"sentences":[{"text":"Perfect.","start":420.37,"end":420.77,"sentiment":"neutral","sentiment_score":0.23317983746528623},{"text":"And is that just on a trading platform, or how do you have those shares?","start":420.77,"end":425.27,"sentiment":"neutral","sentiment_score":0.06280067587892214}],"sentiment":"neutral","sentiment_score":0.0734493734780699,"channel":0,"num_words":16,"start":420.37,"end":425.27},{"sentences":[{"text":"It's across two trading 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CommSec.","start":431.835,"end":434.495,"sentiment":"neutral","sentiment_score":0.06501059681177139}],"sentiment":"neutral","sentiment_score":0.06501059681177139,"channel":1,"num_words":10,"start":431.835,"end":434.495},{"sentences":[{"text":"Yeah.","start":435.42502,"end":435.745,"sentiment":"neutral","sentiment_score":0.11180359125137328},{"text":"Perfect.","start":435.745,"end":436.245,"sentiment":"neutral","sentiment_score":0.2754325866699219},{"text":"Now do you have any other assets that's changed in the last twelve months that we haven't gone over yet?","start":441.185,"end":446.085,"sentiment":"neutral","sentiment_score":0.03682650811970234}],"sentiment":"neutral","sentiment_score":0.05108028819615191,"channel":0,"num_words":22,"start":435.42502,"end":446.085},{"sentences":[{"text":"I don't think so.","start":448.09,"end":450.19,"sentiment":"neutral","sentiment_score":-0.0656043766066432}],"sentiment":"neutral","sentiment_score":-0.0656043766066432,"channel":1,"num_words":4,"start":448.09,"end":450.19},{"sentences":[{"text":"Nope.","start":450.41,"end":450.89,"sentiment":"neutral","sentiment_score":0.037182845175266266},{"text":"Perfect.","start":450.89,"end":451.39,"sentiment":"neutral","sentiment_score":0.1439068466424942},{"text":"And do you have any other liabilities, like personal loans, credit cards, SIP pay?","start":452.01,"end":456.59,"sentiment":"neutral","sentiment_score":0.03245337640068361}],"sentiment":"neutral","sentiment_score":0.039714810089208186,"channel":0,"num_words":16,"start":450.41,"end":456.59},{"sentences":[{"text":"Apart from the additional car loan, I think last we spoke, everything else is pretty normal.","start":457.625,"end":461.725,"sentiment":"neutral","sentiment_score":0.04411351017188281}],"sentiment":"neutral","sentiment_score":0.04411351017188281,"channel":1,"num_words":16,"start":457.625,"end":461.725},{"sentences":[{"text":"Yep.","start":462.105,"end":462.345,"sentiment":"neutral","sentiment_score":0.08701479434967041},{"text":"Okay.","start":462.345,"end":462.74503,"sentiment":"neutral","sentiment_score":0.15011751651763916},{"text":"Perfect.","start":462.74503,"end":463.24503,"sentiment":"neutral","sentiment_score":0.25786060094833374},{"text":"And health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries.","start":463.86502,"end":471.80502,"sentiment":"neutral","sentiment_score":0.12569213286042213},{"text":"Is that still the case as 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well?","start":479.11002,"end":480.97,"sentiment":"neutral","sentiment_score":0.047397823383410774}],"sentiment":"neutral","sentiment_score":0.04807842043893678,"channel":0,"num_words":7,"start":478.79,"end":480.97},{"sentences":[{"text":"Yeah.","start":481.68,"end":481.84,"sentiment":"neutral","sentiment_score":0.024716664105653763},{"text":"Hospital and extras.","start":481.84,"end":483.13998,"sentiment":"neutral","sentiment_score":0.03224207398792108}],"sentiment":"neutral","sentiment_score":0.03036072151735425,"channel":1,"num_words":4,"start":481.68,"end":483.13998},{"sentences":[{"text":"Yeah.","start":483.43,"end":483.75,"sentiment":"neutral","sentiment_score":0.17677921056747437},{"text":"Great.","start":483.75,"end":483.99,"sentiment":"positive","sentiment_score":0.48534536361694336},{"text":"Perfect.","start":483.99,"end":484.49,"sentiment":"positive","sentiment_score":0.45120540261268616},{"text":"Especially now with your income being a bit higher as well, You do wanna avoid that extra medical levy surcharge.","start":484.63,"end":492.08502,"sentiment":"neutral","sentiment_score":0.22824621871113776},{"text":"So that's good that you do have the private health with hospitals, so that is great.","start":492.385,"end":496.325,"sentiment":"positive","sentiment_score":0.4061942473053932}],"sentiment":"neutral","sentiment_score":0.3122400591770808,"channel":0,"num_words":39,"start":483.43,"end":496.325},{"sentences":[{"text":"Now estate planning wise, I have here your wife nominated for your beneficiary.","start":497.02502,"end":503.08,"sentiment":"neutral","sentiment_score":0.2686815628638634},{"text":"So if something were to happen to you, it will all go to her.","start":503.13998,"end":507.06,"sentiment":"neutral","sentiment_score":0.20096565570150102},{"text":"That's still the case as 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in he's he's in private school.","start":719.92,"end":722.24,"sentiment":"neutral","sentiment_score":0.19447829042162215},{"text":"Actually, both funds are in private school at the moment.","start":722.24,"end":724.8,"sentiment":"neutral","sentiment_score":0.10648167133331299},{"text":"Actually, funny enough.","start":724.8,"end":725.92,"sentiment":"neutral","sentiment_score":0.16209333141644797},{"text":"So","start":725.92,"end":726.42,"sentiment":"neutral","sentiment_score":0.223322331905365}],"sentiment":"neutral","sentiment_score":0.1493222415447235,"channel":1,"num_words":21,"start":719.92,"end":726.42},{"sentences":[{"text":"Well, that's 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you're you're basically just focusing on paying down the mortgage as much as possible.","start":731.265,"end":738.065,"sentiment":"neutral","sentiment_score":0.06256111067804423}],"sentiment":"neutral","sentiment_score":0.1405260565225035,"channel":0,"num_words":32,"start":727.55005,"end":738.065},{"sentences":[{"text":"I know you said you are making a bit of extra repayments on the mortgage.","start":738.065,"end":741.125,"sentiment":"neutral","sentiment_score":0.03249764802555243},{"text":"Is that kind of your main focus aside from the investment property otherwise?","start":741.585,"end":745.365,"sentiment":"neutral","sentiment_score":0.010070132521482615}],"sentiment":"neutral","sentiment_score":0.022084872970091447,"channel":0,"num_words":28,"start":738.065,"end":745.365},{"sentences":[{"text":"Yeah.","start":747.03,"end":747.35004,"sentiment":"neutral","sentiment_score":0.013870025053620338},{"text":"I I guess 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no.","start":775.09,"end":775.41003,"sentiment":"neutral","sentiment_score":-0.21269913762807846},{"text":"Just me.","start":775.41003,"end":776.07,"sentiment":"neutral","sentiment_score":-0.13727620244026184}],"sentiment":"neutral","sentiment_score":-0.17498767003417015,"channel":0,"num_words":4,"start":775.09,"end":776.07},{"sentences":[{"text":"that's it.","start":775.67,"end":776.07,"sentiment":"neutral","sentiment_score":-0.060477035120129585},{"text":"And then just","start":776.07,"end":777.13,"sentiment":"neutral","sentiment_score":0.016964732358853023}],"sentiment":"neutral","sentiment_score":-0.01401197463274002,"channel":1,"num_words":5,"start":775.67,"end":777.13},{"sentences":[{"text":"Yep.","start":777.01,"end":777.51,"sentiment":"neutral","sentiment_score":0.03430843725800514}],"sentiment":"neutral","sentiment_score":0.03430843725800514,"channel":0,"num_words":1,"start":777.01,"end":777.51},{"sentences":[{"text":"every now and then we purchase a a parcel of shares as 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answer is pretty generic.","start":815.02,"end":816.755,"sentiment":"neutral","sentiment_score":-0.09498983940907887},{"text":"I don't wanna retire as good as possible.","start":816.755,"end":818.695,"sentiment":"neutral","sentiment_score":-0.31339115276932716}],"sentiment":"neutral","sentiment_score":-0.20004790928214788,"channel":1,"num_words":16,"start":812.62,"end":818.695},{"sentences":[{"text":"Yep.","start":819.23505,"end":819.715,"sentiment":"neutral","sentiment_score":0.04955364391207695},{"text":"That's what most people say, so I will just change that to 60.","start":819.715,"end":823.015,"sentiment":"neutral","sentiment_score":0.04629301480375803},{"text":"Now with the current legislation, you if you retire, you can access your super company tax free at the age of 60, between 60 and 65.","start":823.635,"end":834.25995,"sentiment":"neutral","sentiment_score":0.14882482674259406},{"text":"So if you wanted to, you know, reduce your hours, like a bit of part time, but still 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question.","start":1006.455,"end":1007.655,"sentiment":"neutral","sentiment_score":-0.2656514883041382},{"text":"Sorry.","start":1007.655,"end":1008.155,"sentiment":"neutral","sentiment_score":-0.21705970168113708}],"sentiment":"neutral","sentiment_score":-0.2575528572003047,"channel":1,"num_words":6,"start":1006.455,"end":1008.155},{"sentences":[{"text":"yeah.","start":1008.735,"end":1009.055,"sentiment":"neutral","sentiment_score":-0.14794886112213135},{"text":"No.","start":1009.055,"end":1009.455,"sentiment":"neutral","sentiment_score":-0.1747988760471344},{"text":"So, basically, it talks about increasing prices and everything continues to go up and getting more expensive and","start":1009.455,"end":1015.99,"sentiment":"neutral","sentiment_score":-0.21899530788262686}],"sentiment":"neutral","sentiment_score":-0.21323316395282746,"channel":0,"num_words":20,"start":1008.735,"end":1015.99},{"sentences":[{"text":"Yep.","start":1015.735,"end":1016.235,"sentiment":"neutral","sentiment_score":-0.06355535238981247}],"sentiment":"neutral","sentiment_score":-0.06355535238981247,"channel":1,"num_words":1,"start":1015.735,"end":1016.235},{"sentences":[{"text":"how much risk you are willing to take in order to try and make sure that you stay on top of the increasing prices and everything like that.","start":1015.99,"end":1023.76996,"sentiment":"neutral","sentiment_score":-0.14765579572745732}],"sentiment":"neutral","sentiment_score":-0.14765579572745732,"channel":0,"num_words":28,"start":1015.99,"end":1023.76996},{"sentences":[{"text":"Sure.","start":1024.4099,"end":1024.9099,"sentiment":"neutral","sentiment_score":0.02691013738512993}],"sentiment":"neutral","sentiment_score":0.02691013738512993,"channel":1,"num_words":1,"start":1024.4099,"end":1024.9099},{"sentences":[{"text":"So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk?","start":1026.0851,"end":1036.425,"sentiment":"neutral","sentiment_score":-0.016374505901088316}],"sentiment":"neutral","sentiment_score":-0.016374505901088316,"channel":0,"num_words":24,"start":1026.0851,"end":1036.425},{"sentences":[{"text":"Given my current age and and whatnot, I'd say that I'm happy to accept the high 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bit over the last twelve months.","start":1063.2051,"end":1071.64,"sentiment":"neutral","sentiment_score":-0.08910627370434147}],"sentiment":"neutral","sentiment_score":-0.04704192394752111,"channel":0,"num_words":67,"start":1042.5,"end":1071.64},{"sentences":[{"text":"Now would you say that if you had the option to do so, you'd wanna take advantage of the drop in prices by thinking that now is a good time to invest a little bit more?","start":1072.26,"end":1081.395,"sentiment":"neutral","sentiment_score":0.12588263044340742},{"text":"Would you hold and kind of wait and see what happens, or would you want to shift to a bit more of a secure asset?","start":1081.9551,"end":1089.015,"sentiment":"neutral","sentiment_score":-0.04513083189725876},{"text":"So that means you are then selling when the prices have already 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the market in itself.","start":1095.345,"end":1097.605,"sentiment":"neutral","sentiment_score":0.005478088976815343}],"sentiment":"neutral","sentiment_score":0.005478088976815343,"channel":1,"num_words":8,"start":1095.345,"end":1097.605},{"sentences":[{"text":"Yeah.","start":1097.41,"end":1097.91,"sentiment":"neutral","sentiment_score":0.005210483446717262}],"sentiment":"neutral","sentiment_score":0.005210483446717262,"channel":0,"num_words":1,"start":1097.41,"end":1097.91},{"sentences":[{"text":"Like, that 20% drop, was it a really quick drop?","start":1097.665,"end":1100.69,"sentiment":"neutral","sentiment_score":-0.005868598259985447},{"text":"Was it a sort of a very gradual drop?","start":1100.69,"end":1103.01,"sentiment":"neutral","sentiment_score":-0.048357231749428645},{"text":"I guess it 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feel?","start":1148.29,"end":1158.63,"sentiment":"neutral","sentiment_score":0.09160246361385692},{"text":"Would you say optimistic about future investment opportunities?","start":1158.93,"end":1163.27,"sentiment":"neutral","sentiment_score":0.1328183589503169},{"text":"A bit more kind of neutral, cautious, not making further investments, or highly anxious?","start":1164.345,"end":1171.565,"sentiment":"neutral","sentiment_score":-0.06908692073609148}],"sentiment":"neutral","sentiment_score":0.06587610763238101,"channel":0,"num_words":61,"start":1139.555,"end":1171.565},{"sentences":[{"text":"So what was the last one?","start":1173.595,"end":1175.135,"sentiment":"neutral","sentiment_score":-0.017507212236523628}],"sentiment":"neutral","sentiment_score":-0.017507212236523628,"channel":1,"num_words":6,"start":1173.595,"end":1175.135},{"sentences":[{"text":"Highly 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for that last question or not, but yeah, I sort of look at things from an opportunity perspective.","start":1192.2101,"end":1199.9349,"sentiment":"neutral","sentiment_score":0.04992121635004878},{"text":"If","start":1199.9349,"end":1200.095,"sentiment":"neutral","sentiment_score":-0.0006081033498048782}],"sentiment":"neutral","sentiment_score":0.04751505826910337,"channel":1,"num_words":21,"start":1192.2101,"end":1200.095},{"sentences":[{"text":"Mhmm.","start":1200.0149,"end":1200.5149,"sentiment":"neutral","sentiment_score":0.0005464162677526474}],"sentiment":"neutral","sentiment_score":0.0005464162677526474,"channel":0,"num_words":1,"start":1200.0149,"end":1200.5149},{"sentences":[{"text":"it drops in value, I mean, that it's at a discount, but obviously, it has to be the 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between a high growth and an aggressive investor.","start":1229.255,"end":1235.17,"sentiment":"neutral","sentiment_score":-0.006417337216828999},{"text":"Now at the moment, we do have you invested in an aggressive portfolio.","start":1236.51,"end":1240.53,"sentiment":"neutral","sentiment_score":0.0003495608957914206}],"sentiment":"neutral","sentiment_score":0.015909251677138466,"channel":0,"num_words":35,"start":1226.615,"end":1240.53},{"sentences":[{"text":"Do you remember what it means to be an aggressive portfolio?","start":1241.15,"end":1244.61,"sentiment":"neutral","sentiment_score":-0.015639137984676796},{"text":"Sorry.","start":1245.55,"end":1245.87,"sentiment":"neutral","sentiment_score":-0.08545420318841934},{"text":"An aggressive investor at all and how it all works?","start":1245.87,"end":1248.4501,"sentiment":"neutral","sentiment_score":-0.05429874733090401}],"sentiment":"neutral","sentiment_score":-0.03638509974222292,"channel":0,"num_words":22,"start":1241.15,"end":1248.4501},{"sentences":[{"text":"It means that the share is a lot more volatile.","start":1248.96,"end":1250.96,"sentiment":"neutral","sentiment_score":-0.1084332935512066},{"text":"The portfolio is a lot more volatile.","start":1250.96,"end":1252.9751,"sentiment":"neutral","sentiment_score":-0.11364710650273732},{"text":"And if I'm not mistaken, I think from memory, it was a sort of historical trajectory that, you know, let's say every five years, there was one year that you'd actually move backwards for four years of growth,","start":1253.035,"end":1264.53,"sentiment":"neutral","sentiment_score":-0.025414044233529193}],"sentiment":"neutral","sentiment_score":-0.05173811567100611,"channel":1,"num_words":55,"start":1248.96,"end":1264.53},{"sentences":[{"text":"Correct.","start":1264.5,"end":1265.0,"sentiment":"neutral","sentiment_score":0.009421288967132568}],"sentiment":"neutral","sentiment_score":0.009421288967132568,"channel":0,"num_words":1,"start":1264.5,"end":1265.0},{"sentences":[{"text":"Some some things like that.","start":1264.61,"end":1265.89,"sentiment":"neutral","sentiment_score":-0.006020324304699898},{"text":"Yeah.","start":1265.89,"end":1266.39,"sentiment":"neutral","sentiment_score":0.08686921745538712}],"sentiment":"neutral","sentiment_score":0.009461265988647938,"channel":1,"num_words":6,"start":1264.61,"end":1266.39},{"sentences":[{"text":"Yeah.","start":1266.18,"end":1266.66,"sentiment":"neutral","sentiment_score":0.20193034410476685},{"text":"And that is very spot on.","start":1266.66,"end":1268.1,"sentiment":"positive","sentiment_score":0.3685595840215683},{"text":"And it basically exactly like that is tailored for investors who are obviously plenty of time until retirement, Happy to see short term fluctuations in order to try to grow your super as much as possible over the long term.","start":1268.1,"end":1281.655,"sentiment":"neutral","sentiment_score":0.2034545388072729},{"text":"Time frame wise, you do have plenty of time until retirement, and we ideally like to see about ten years until retirement in aggressive portfolio, which you certainly have behind you to kind of wait for those fluctuations to come back around.","start":1282.595,"end":1296.19,"sentiment":"neutral","sentiment_score":0.10604522057941981},{"text":"And when it comes through how your assets are invested, we see around 95 to about a 100 is invested in your growth assets.","start":1296.97,"end":1307.175,"sentiment":"neutral","sentiment_score":0.1226543951779604}],"sentiment":"neutral","sentiment_score":0.15884136415160863,"channel":0,"num_words":113,"start":1266.18,"end":1307.175},{"sentences":[{"text":"So that will be things like Australian shares, international shares, property, and commodities, and that is ultimately what's going to maximize those returns for you.","start":1307.635,"end":1315.8151,"sentiment":"neutral","sentiment_score":0.24647903561592102},{"text":"And then between about 5% or less will be in your defensive, like your cash, your gold, your fixed interest.","start":1316.12,"end":1323.4,"sentiment":"neutral","sentiment_score":0.1539077490568161},{"text":"Payment fluctuations a little bit, but the main focus is to be kind of invested in those growth investments to to give you that growth over the long term.","start":1323.4,"end":1331.535,"sentiment":"neutral","sentiment_score":0.14473931793251943}],"sentiment":"neutral","sentiment_score":0.18158879853482987,"channel":0,"num_words":74,"start":1307.635,"end":1331.535},{"sentences":[{"text":"Yep.","start":1332.75,"end":1333.15,"sentiment":"neutral","sentiment_score":0.1212385818362236}],"sentiment":"neutral","sentiment_score":0.1212385818362236,"channel":1,"num_words":1,"start":1332.75,"end":1333.15},{"sentences":[{"text":"Does that","start":1332.8151,"end":1333.295,"sentiment":"neutral","sentiment_score":0.09858313947916031}],"sentiment":"neutral","sentiment_score":0.09858313947916031,"channel":0,"num_words":2,"start":1332.8151,"end":1333.295},{"sentences":[{"text":"That","start":1333.15,"end":1333.39,"sentiment":"neutral","sentiment_score":0.16825008392333984}],"sentiment":"neutral","sentiment_score":0.16825008392333984,"channel":1,"num_words":1,"start":1333.15,"end":1333.39},{"sentences":[{"text":"all","start":1333.295,"end":1333.4551,"sentiment":"neutral","sentiment_score":0.2161218374967575}],"sentiment":"neutral","sentiment_score":0.2161218374967575,"channel":0,"num_words":1,"start":1333.295,"end":1333.4551},{"sentences":[{"text":"sounds","start":1333.39,"end":1333.63,"sentiment":"neutral","sentiment_score":0.1892407387495041}],"sentiment":"neutral","sentiment_score":0.1892407387495041,"channel":1,"num_words":1,"start":1333.39,"end":1333.63},{"sentences":[{"text":"make sense?","start":1333.4551,"end":1333.855,"sentiment":"neutral","sentiment_score":0.21355340629816055}],"sentiment":"neutral","sentiment_score":0.21355340629816055,"channel":0,"num_words":2,"start":1333.4551,"end":1333.855},{"sentences":[{"text":"good.","start":1333.63,"end":1334.085,"sentiment":"positive","sentiment_score":0.5415188074111938}],"sentiment":"positive","sentiment_score":0.5415188074111938,"channel":1,"num_words":1,"start":1333.63,"end":1334.085},{"sentences":[{"text":"Are you still happy for now to be in an aggressive portfolio?","start":1333.855,"end":1337.635,"sentiment":"positive","sentiment_score":0.3987293466925621}],"sentiment":"positive","sentiment_score":0.3987293466925621,"channel":0,"num_words":12,"start":1333.855,"end":1337.635},{"sentences":[{"text":"Yeah.","start":1338.1649,"end":1338.6649,"sentiment":"neutral","sentiment_score":0.23972520232200625},{"text":"I'm I'm happy to just be in that bucket, and I think that I well, maybe things would change, but at the moment, I'd say that I'd be in that bucket probably until about five years","start":1338.725,"end":1347.445,"sentiment":"neutral","sentiment_score":0.2393693065063821}],"sentiment":"neutral","sentiment_score":0.23937892531220978,"channel":1,"num_words":37,"start":1338.1649,"end":1347.445},{"sentences":[{"text":"Yep.","start":1347.31,"end":1347.81,"sentiment":"neutral","sentiment_score":0.08749841153621674}],"sentiment":"neutral","sentiment_score":0.08749841153621674,"channel":0,"num_words":1,"start":1347.31,"end":1347.81},{"sentences":[{"text":"from retirement.","start":1347.445,"end":1348.1849,"sentiment":"neutral","sentiment_score":0.0947082880884409}],"sentiment":"neutral","sentiment_score":0.0947082880884409,"channel":1,"num_words":2,"start":1347.445,"end":1348.1849},{"sentences":[{"text":"Yep.","start":1348.91,"end":1349.41,"sentiment":"neutral","sentiment_score":0.30354738235473633},{"text":"Perfect.","start":1349.4701,"end":1349.9701,"sentiment":"positive","sentiment_score":0.666438639163971},{"text":"And that's usually the case as well.","start":1350.75,"end":1352.91,"sentiment":"positive","sentiment_score":0.4705715605190822},{"text":"Obviously, the closer you get to retirement, that's when people want to start slowly reducing their risk down a little bit because you don't have as much time in the market.","start":1352.91,"end":1362.8251,"sentiment":"neutral","sentiment_score":0.2755942186040263},{"text":"So it would definitely make sense from a time frame point of view.","start":1363.525,"end":1366.805,"sentiment":"positive","sentiment_score":0.49428901076316833}],"sentiment":"positive","sentiment_score":0.36288990305279784,"channel":0,"num_words":53,"start":1348.91,"end":1366.805},{"sentences":[{"text":"It seems like you have a pretty good understanding of the market and that they do fluctuate as well, which is great.","start":1366.805,"end":1372.08,"sentiment":"positive","sentiment_score":0.5429928641427647},{"text":"Now have you received an email from myself at all in the last ten, fifteen minutes?","start":1373.36,"end":1379.38,"sentiment":"neutral","sentiment_score":0.043020254583097994}],"sentiment":"neutral","sentiment_score":0.33247808117027344,"channel":0,"num_words":38,"start":1366.805,"end":1379.38},{"sentences":[{"text":"I think something came through on my phone earlier.","start":1381.13,"end":1384.1101,"sentiment":"neutral","sentiment_score":-0.014521313003367849}],"sentiment":"neutral","sentiment_score":-0.014521313003367849,"channel":1,"num_words":9,"start":1381.13,"end":1384.1101},{"sentences":[{"text":"Yeah.","start":1384.08,"end":1384.58,"sentiment":"neutral","sentiment_score":0.007069235667586327}],"sentiment":"neutral","sentiment_score":0.007069235667586327,"channel":0,"num_words":1,"start":1384.08,"end":1384.58},{"sentences":[{"text":"I might just have access to my computer at the moment, so I might","start":1384.3301,"end":1387.8501,"sentiment":"neutral","sentiment_score":-0.01286645998646106}],"sentiment":"neutral","sentiment_score":-0.01286645998646106,"channel":1,"num_words":14,"start":1384.3301,"end":1387.8501},{"sentences":[{"text":"No.","start":1387.635,"end":1388.115,"sentiment":"neutral","sentiment_score":-0.03656161203980446}],"sentiment":"neutral","sentiment_score":-0.03656161203980446,"channel":0,"num_words":1,"start":1387.635,"end":1388.115},{"sentences":[{"text":"have to check","start":1387.8501,"end":1388.25,"sentiment":"neutral","sentiment_score":-0.026232312122980755}],"sentiment":"neutral","sentiment_score":-0.026232312122980755,"channel":1,"num_words":3,"start":1387.8501,"end":1388.25},{"sentences":[{"text":"That's","start":1388.115,"end":1388.615,"sentiment":"neutral","sentiment_score":-0.018920741975307465}],"sentiment":"neutral","sentiment_score":-0.018920741975307465,"channel":0,"num_words":1,"start":1388.115,"end":1388.615},{"sentences":[{"text":"it on my phone.","start":1388.25,"end":1389.15,"sentiment":"neutral","sentiment_score":-0.008872987469658256}],"sentiment":"neutral","sentiment_score":-0.008872987469658256,"channel":1,"num_words":4,"start":1388.25,"end":1389.15},{"sentences":[{"text":"yeah.","start":1389.635,"end":1389.955,"sentiment":"neutral","sentiment_score":0.035952333360910416},{"text":"That's okay.","start":1389.955,"end":1390.675,"sentiment":"neutral","sentiment_score":0.06510253250598907},{"text":"Are you do you have the opportunity to access it on your phone?","start":1390.675,"end":1393.795,"sentiment":"neutral","sentiment_score":0.020343530779847734},{"text":"Or","start":1393.795,"end":1394.045,"sentiment":"neutral","sentiment_score":0.02438267320394516}],"sentiment":"neutral","sentiment_score":0.02676505715969731,"channel":0,"num_words":17,"start":1389.635,"end":1394.045},{"sentences":[{"text":"I I I should do.","start":1395.345,"end":1396.305,"sentiment":"neutral","sentiment_score":0.03736477568745613},{"text":"Maybe you can just give me","start":1396.305,"end":1397.425,"sentiment":"neutral","sentiment_score":0.033484467615683876}],"sentiment":"neutral","sentiment_score":0.03524824401194399,"channel":1,"num_words":11,"start":1395.345,"end":1397.425},{"sentences":[{"text":"yeah.","start":1397.25,"end":1397.75,"sentiment":"neutral","sentiment_score":0.040101058781147}],"sentiment":"neutral","sentiment_score":0.040101058781147,"channel":0,"num_words":1,"start":1397.25,"end":1397.75},{"sentences":[{"text":"a couple of minutes.","start":1397.425,"end":1398.405,"sentiment":"neutral","sentiment_score":0.04294978082180023}],"sentiment":"neutral","sentiment_score":0.04294978082180023,"channel":1,"num_words":4,"start":1397.425,"end":1398.405},{"sentences":[{"text":"Yeah.","start":1398.77,"end":1399.17,"sentiment":"neutral","sentiment_score":0.07444372773170471},{"text":"Sure.","start":1399.17,"end":1399.67,"sentiment":"neutral","sentiment_score":0.09406058490276337},{"text":"Because","start":1399.89,"end":1400.21,"sentiment":"neutral","sentiment_score":0.07324022054672241}],"sentiment":"neutral","sentiment_score":0.08058151106039683,"channel":0,"num_words":3,"start":1398.77,"end":1400.21},{"sentences":[{"text":"Sure.","start":1400.145,"end":1400.645,"sentiment":"neutral","sentiment_score":0.077235147356987}],"sentiment":"neutral","sentiment_score":0.077235147356987,"channel":1,"num_words":1,"start":1400.145,"end":1400.645},{"sentences":[{"text":"otherwise, if you don't, I can always just run through them with you while you can't see them.","start":1400.21,"end":1405.81,"sentiment":"neutral","sentiment_score":0.1001241405804952},{"text":"And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them.","start":1405.81,"end":1410.9501,"sentiment":"neutral","sentiment_score":0.11047293711453676},{"text":"It is completely up to you.","start":1411.17,"end":1412.745,"sentiment":"neutral","sentiment_score":0.1413993462920189}],"sentiment":"neutral","sentiment_score":0.1104590932193857,"channel":0,"num_words":52,"start":1400.21,"end":1412.745},{"sentences":[{"text":"Maybe you can run through it with me then.","start":1413.5099,"end":1415.2899,"sentiment":"neutral","sentiment_score":0.11961447530322605}],"sentiment":"neutral","sentiment_score":0.11961447530322605,"channel":1,"num_words":9,"start":1413.5099,"end":1415.2899},{"sentences":[{"text":"Yeah.","start":1415.705,"end":1415.945,"sentiment":"neutral","sentiment_score":0.11651523411273956},{"text":"Okay.","start":1415.945,"end":1416.265,"sentiment":"neutral","sentiment_score":0.19377875328063965},{"text":"Perfect.","start":1416.265,"end":1416.765,"sentiment":"positive","sentiment_score":0.3686608672142029},{"text":"Now we have recently changed the software as well.","start":1417.625,"end":1420.505,"sentiment":"neutral","sentiment_score":0.1745344085825814},{"text":"So when you do have a look at the documents, if it looks a little bit different, that's why the principle is still the same.","start":1420.505,"end":1426.665,"sentiment":"neutral","sentiment_score":0.14245846658945083}],"sentiment":"neutral","sentiment_score":0.15706016747532664,"channel":0,"num_words":37,"start":1415.705,"end":1426.665},{"sentences":[{"text":"Click on the email.","start":1426.665,"end":1427.725,"sentiment":"neutral","sentiment_score":0.07781776785850525},{"text":"Click on the link where it says sign now.","start":1427.785,"end":1430.4199,"sentiment":"neutral","sentiment_score":0.0764571155110995},{"text":"Now it will still allow you to open up all the documents before it prompts you to sign anything so that you can review them first.","start":1430.5599,"end":1437.5399,"sentiment":"neutral","sentiment_score":0.1488619067777808},{"text":"But, essentially, when you do have a look at it, you will see a couple of documents.","start":1438.24,"end":1442.74,"sentiment":"neutral","sentiment_score":0.051231877330471486},{"text":"Now one is your super and insurance summary.","start":1442.7999,"end":1446.3351,"sentiment":"neutral","sentiment_score":0.06978979893028736}],"sentiment":"neutral","sentiment_score":0.0984227342705708,"channel":0,"num_words":64,"start":1426.665,"end":1446.3351},{"sentences":[{"text":"Now you have your super with Netwealth, and you do have about a $119,987 in there at the moment.","start":1447.1951,"end":1455.935,"sentiment":"neutral","sentiment_score":0.10157252377585362},{"text":"Now you also have some insurances with Clearview, and you have life and total permanent disability insurance.","start":1457.6901,"end":1465.87,"sentiment":"neutral","sentiment_score":0.09778163319124895},{"text":"And that is covering you for $532,840.","start":1466.49,"end":1472.765,"sentiment":"neutral","sentiment_score":0.10338027455977031},{"text":"Now with your life and TPD, because it is structured and paid from within superannuation, you do get a tax rebate.","start":1473.4651,"end":1481.2451,"sentiment":"neutral","sentiment_score":0.1812762419382731},{"text":"So the total premium you pay for both those two is $481 per year.","start":1481.79,"end":1487.89,"sentiment":"neutral","sentiment_score":0.1863576610173498}],"sentiment":"neutral","sentiment_score":0.13758507657509583,"channel":0,"num_words":78,"start":1447.1951,"end":1487.89},{"sentences":[{"text":"Now when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less?","start":1488.51,"end":1497.515,"sentiment":"neutral","sentiment_score":0.0076190628684484046},{"text":"Or what are your thoughts in regards to that life and TPD for you?","start":1497.515,"end":1501.135,"sentiment":"neutral","sentiment_score":0.03669035700815065}],"sentiment":"neutral","sentiment_score":0.01779401581734419,"channel":0,"num_words":40,"start":1488.51,"end":1501.135},{"sentences":[{"text":"I'm happy with that level of 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yeah.","start":1512.095,"end":1513.075,"sentiment":"neutral","sentiment_score":0.08508635436495145}],"sentiment":"neutral","sentiment_score":0.08508635436495145,"channel":1,"num_words":3,"start":1512.095,"end":1513.075},{"sentences":[{"text":"Yep.","start":1513.52,"end":1513.84,"sentiment":"neutral","sentiment_score":0.17888838052749634},{"text":"Okay.","start":1513.84,"end":1514.24,"sentiment":"positive","sentiment_score":0.35488390922546387},{"text":"Perfect.","start":1514.24,"end":1514.74,"sentiment":"positive","sentiment_score":0.5197062492370605},{"text":"If anything ever changes down the track as well, just let us know.","start":1514.8,"end":1517.4401,"sentiment":"neutral","sentiment_score":0.23793039872096136},{"text":"It doesn't have to be at annual review time.","start":1517.4401,"end":1519.04,"sentiment":"neutral","sentiment_score":0.15911785927083757}],"sentiment":"neutral","sentiment_score":0.22314537823200226,"channel":0,"num_words":25,"start":1513.52,"end":1519.04},{"sentences":[{"text":"It can be any time as well if if you do change your mind.","start":1519.04,"end":1522.1,"sentiment":"neutral","sentiment_score":0.2539807643209185}],"sentiment":"neutral","sentiment_score":0.2539807643209185,"channel":0,"num_words":14,"start":1519.04,"end":1522.1},{"sentences":[{"text":"Sure.","start":1522.7401,"end":1523.2401,"sentiment":"neutral","sentiment_score":0.23433555662631989}],"sentiment":"neutral","sentiment_score":0.23433555662631989,"channel":1,"num_words":1,"start":1522.7401,"end":1523.2401},{"sentences":[{"text":"Now you will also see your Clearview certificate of currency added in the email there for you.","start":1523.725,"end":1529.405,"sentiment":"neutral","sentiment_score":0.2684722910909092},{"text":"It just breaks down your insurances in a little bit more detail, but, basically, just lets you know that's all paid and up to date.","start":1529.405,"end":1537.025,"sentiment":"neutral","sentiment_score":0.24424565851688385},{"text":"Now what you also have is then a Netwealth performance report.","start":1538.53,"end":1542.9501,"sentiment":"neutral","sentiment_score":0.12142650241201575},{"text":"Do you go in and have a look at your super investments every now and then, or is that not something you really pay much attention to?","start":1543.73,"end":1550.9501,"sentiment":"neutral","sentiment_score":0.05752119973853782}],"sentiment":"neutral","sentiment_score":0.16948667913675308,"channel":0,"num_words":80,"start":1523.725,"end":1550.9501},{"sentences":[{"text":"I've downloaded the network 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have","start":1562.995,"end":1563.7949,"sentiment":"neutral","sentiment_score":-0.005717216680447261}],"sentiment":"neutral","sentiment_score":-0.05261153541505337,"channel":1,"num_words":30,"start":1555.03,"end":1563.7949},{"sentences":[{"text":"Yeah.","start":1563.66,"end":1564.16,"sentiment":"neutral","sentiment_score":-0.0002338886260986328}],"sentiment":"neutral","sentiment_score":-0.0002338886260986328,"channel":0,"num_words":1,"start":1563.66,"end":1564.16},{"sentences":[{"text":"a look at a few things.","start":1563.7949,"end":1564.595,"sentiment":"neutral","sentiment_score":-0.003536065419514974},{"text":"You know, certain things go up in price, certain things go down, and I think I have a general understanding of it.","start":1564.595,"end":1570.0349,"sentiment":"neutral","sentiment_score":0.01865971206941388},{"text":"So","start":1570.0349,"end":1570.5349,"sentiment":"neutral","sentiment_score":0.1610681712627411}],"sentiment":"neutral","sentiment_score":0.01897811876802609,"channel":1,"num_words":29,"start":1563.7949,"end":1570.5349},{"sentences":[{"text":"Okay.","start":1570.7001,"end":1571.2001,"sentiment":"neutral","sentiment_score":0.16645392775535583},{"text":"Oh, well, that's good.","start":1571.3401,"end":1572.4,"sentiment":"neutral","sentiment_score":0.2955948133021593},{"text":"Now the report that I have included for you, it gives you a snapshot over the last twelve months.","start":1573.02,"end":1579.035,"sentiment":"neutral","sentiment_score":0.17293481450331838},{"text":"So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments.","start":1580.0751,"end":1591.775,"sentiment":"neutral","sentiment_score":0.16275371587084186},{"text":"It also gives you a total portfolio review, so the total return of the portfolio for you.","start":1592.37,"end":1600.55,"sentiment":"neutral","sentiment_score":0.17256181687116623}],"sentiment":"neutral","sentiment_score":0.17518764910184675,"channel":0,"num_words":72,"start":1570.7001,"end":1600.55},{"sentences":[{"text":"And in the last twelve months, you kind of touched on as well.","start":1600.77,"end":1603.41,"sentiment":"neutral","sentiment_score":0.0957010374046289},{"text":"We have seen a little bit of fluctuation obviously in the market, a bit of ups and downs.","start":1603.41,"end":1608.885,"sentiment":"neutral","sentiment_score":-0.01436931412253115},{"text":"But despite all of that, though, and despite that we do have you in an aggressive portfolio, your portfolio overall has still done really good.","start":1609.3451,"end":1616.645,"sentiment":"positive","sentiment_score":0.3454588371515274},{"text":"So over the last twelve months, now this is all after fees.","start":1617.185,"end":1621.5,"sentiment":"neutral","sentiment_score":0.31223254402478534},{"text":"So after all fees have been deducted from your account, your portfolio has still gone up by 11.31% from your investments, which is really good.","start":1621.5,"end":1632.0,"sentiment":"positive","sentiment_score":0.6355027425289154}],"sentiment":"neutral","sentiment_score":0.3145838263694958,"channel":0,"num_words":93,"start":1600.77,"end":1632.0},{"sentences":[{"text":"That sounds good.","start":1633.22,"end":1634.28,"sentiment":"positive","sentiment_score":0.695170263449351}],"sentiment":"positive","sentiment_score":0.695170263449351,"channel":1,"num_words":3,"start":1633.22,"end":1634.28},{"sentences":[{"text":"Yeah.","start":1634.765,"end":1635.165,"sentiment":"neutral","sentiment_score":0.20577943325042725},{"text":"Do you have any questions so far?","start":1635.165,"end":1636.6051,"sentiment":"neutral","sentiment_score":0.10837841991867338},{"text":"That's pretty straightforward.","start":1636.6051,"end":1637.665,"sentiment":"neutral","sentiment_score":0.3165801465511322}],"sentiment":"neutral","sentiment_score":0.17401534657586704,"channel":0,"num_words":11,"start":1634.765,"end":1637.665},{"sentences":[{"text":"That's pretty straightforward.","start":1638.26,"end":1639.24,"sentiment":"positive","sentiment_score":0.35401249925295514}],"sentiment":"positive","sentiment_score":0.35401249925295514,"channel":1,"num_words":3,"start":1638.26,"end":1639.24},{"sentences":[{"text":"Yep.","start":1640.125,"end":1640.625,"sentiment":"neutral","sentiment_score":0.15844261646270752}],"sentiment":"neutral","sentiment_score":0.15844261646270752,"channel":0,"num_words":1,"start":1640.125,"end":1640.625},{"sentences":[{"text":"I I I don't wanna cut you off, and I don't need to be rude.","start":1640.4149,"end":1642.4149,"sentiment":"neutral","sentiment_score":0.026572290311257043},{"text":"I've got a meeting in literally one minute.","start":1642.4149,"end":1644.6749,"sentiment":"neutral","sentiment_score":0.052491588052362204},{"text":"Is","start":1645.215,"end":1645.375,"sentiment":"neutral","sentiment_score":0.023483529686927795}],"sentiment":"neutral","sentiment_score":0.03508335786561171,"channel":1,"num_words":24,"start":1640.4149,"end":1645.375},{"sentences":[{"text":"Okay.","start":1645.3401,"end":1645.8401,"sentiment":"neutral","sentiment_score":0.021482303738594055}],"sentiment":"neutral","sentiment_score":0.021482303738594055,"channel":0,"num_words":1,"start":1645.3401,"end":1645.8401},{"sentences":[{"text":"there much more to go?","start":1645.375,"end":1646.755,"sentiment":"neutral","sentiment_score":0.02130496520549059}],"sentiment":"neutral","sentiment_score":0.02130496520549059,"channel":1,"num_words":5,"start":1645.375,"end":1646.755},{"sentences":[{"text":"No.","start":1647.26,"end":1647.76,"sentiment":"neutral","sentiment_score":-0.03719566762447357},{"text":"No.","start":1647.8201,"end":1648.14,"sentiment":"neutral","sentiment_score":-0.050116166472435},{"text":"I'll try to make it quick.","start":1648.14,"end":1649.6001,"sentiment":"neutral","sentiment_score":-0.0022086181367437043},{"text":"I'll","start":1649.66,"end":1649.9801,"sentiment":"neutral","sentiment_score":0.13510137796401978}],"sentiment":"neutral","sentiment_score":0.003837537227405442,"channel":0,"num_words":9,"start":1647.26,"end":1649.9801},{"sentences":[{"text":"Thanks.","start":1649.9349,"end":1650.4349,"sentiment":"neutral","sentiment_score":0.31686514616012573}],"sentiment":"neutral","sentiment_score":0.31686514616012573,"channel":1,"num_words":1,"start":1649.9349,"end":1650.4349},{"sentences":[{"text":"do it as fast as I can.","start":1649.9801,"end":1651.7401,"sentiment":"neutral","sentiment_score":0.2791146550859724},{"text":"It seems like you're pretty on top of it, so I'm happy to skip most of the other documents.","start":1651.7401,"end":1655.1201,"sentiment":"positive","sentiment_score":0.3390720463112781},{"text":"But the only thing I do wanna let you know is that if you're happy to do so, I will just need you to sign two documents.","start":1655.5801,"end":1661.285,"sentiment":"neutral","sentiment_score":0.1743010930992939},{"text":"One is an ongoing service agreement.","start":1661.425,"end":1663.4451,"sentiment":"neutral","sentiment_score":0.13531653210520744},{"text":"That is just to say that you are happy to stay on as a client.","start":1663.8251,"end":1666.7051,"sentiment":"neutral","sentiment_score":0.28459090093771616}],"sentiment":"neutral","sentiment_score":0.24571707683640556,"channel":0,"num_words":74,"start":1649.9801,"end":1666.7051},{"sentences":[{"text":"Now there's no changes whatsoever in regards to the fee structure.","start":1666.7051,"end":1669.8451,"sentiment":"neutral","sentiment_score":0.0575454980134964},{"text":"It stays exactly the same at 1.65 from super, not a lock in contract.","start":1669.97,"end":1674.77,"sentiment":"neutral","sentiment_score":0.1302876860967704},{"text":"So if at any point in time, you are not happy, not a lock in contract, but this lets us service your account and manage your investments for you in the meantime.","start":1674.77,"end":1681.59,"sentiment":"neutral","sentiment_score":0.09671290079131722},{"text":"Does that make sense?","start":1681.73,"end":1682.685,"sentiment":"neutral","sentiment_score":0.1159331202507019}],"sentiment":"neutral","sentiment_score":0.09861595721029845,"channel":0,"num_words":61,"start":1666.7051,"end":1682.685},{"sentences":[{"text":"That makes sense.","start":1683.06,"end":1683.9601,"sentiment":"neutral","sentiment_score":0.14649919172128043}],"sentiment":"neutral","sentiment_score":0.14649919172128043,"channel":1,"num_words":3,"start":1683.06,"end":1683.9601},{"sentences":[{"text":"Yep.","start":1684.2051,"end":1684.6051,"sentiment":"neutral","sentiment_score":0.16539651155471802},{"text":"Alright.","start":1684.6051,"end":1684.8451,"sentiment":"positive","sentiment_score":0.3414726257324219},{"text":"Perfect.","start":1684.8451,"end":1685.3251,"sentiment":"positive","sentiment_score":0.4497017562389374},{"text":"Well, I will let you go.","start":1685.3251,"end":1687.0851,"sentiment":"neutral","sentiment_score":0.3009520297249158},{"text":"Have a look through the document when you have a bit more time.","start":1687.0851,"end":1689.645,"sentiment":"neutral","sentiment_score":0.22651601525453421}],"sentiment":"neutral","sentiment_score":0.25940869409929623,"channel":0,"num_words":22,"start":1684.2051,"end":1689.645},{"sentences":[{"text":"If you have any questions in regards to anything, we haven't gone through a lot of the rest.","start":1689.645,"end":1693.3251,"sentiment":"neutral","sentiment_score":0.15051663460003006},{"text":"It's just kind of compliance documents.","start":1693.3251,"end":1695.025,"sentiment":"neutral","sentiment_score":0.142618540674448},{"text":"Have a read over it.","start":1695.36,"end":1696.4,"sentiment":"neutral","sentiment_score":0.19933643341064453},{"text":"Let me know if you have any questions.","start":1696.4,"end":1698.02,"sentiment":"neutral","sentiment_score":0.17320182546973228},{"text":"If not, if you're happy, I will just need you to sign those documents there for me, and they will come through, and I will get that all processed for you.","start":1698.88,"end":1706.8,"sentiment":"neutral","sentiment_score":0.24847775180974313}],"sentiment":"neutral","sentiment_score":0.20073702564353452,"channel":0,"num_words":68,"start":1689.645,"end":1706.8},{"sentences":[{"text":"And if you need anything else in the meantime, though, don't hesitate to give me a call.","start":1706.8,"end":1710.345,"sentiment":"neutral","sentiment_score":0.10422930691172094}],"sentiment":"neutral","sentiment_score":0.10422930691172094,"channel":0,"num_words":17,"start":1706.8,"end":1710.345},{"sentences":[{"text":"Awesome.","start":1710.94,"end":1711.34,"sentiment":"positive","sentiment_score":0.7667560577392578},{"text":"Alright.","start":1711.34,"end":1711.6599,"sentiment":"positive","sentiment_score":0.6319501996040344},{"text":"Thank you.","start":1711.6599,"end":1712.4,"sentiment":"positive","sentiment_score":0.801040381193161}],"sentiment":"positive","sentiment_score":0.7501967549324036,"channel":1,"num_words":4,"start":1710.94,"end":1712.4},{"sentences":[{"text":"No problem at all.","start":1712.985,"end":1713.705,"sentiment":"positive","sentiment_score":0.5753121674060822},{"text":"We'll speak soon.","start":1713.705,"end":1714.605,"sentiment":"positive","sentiment_score":0.4485885302225749}],"sentiment":"positive","sentiment_score":0.521002037184579,"channel":0,"num_words":7,"start":1712.985,"end":1714.605},{"sentences":[{"text":"Thanks.","start":1714.78,"end":1715.28,"sentiment":"positive","sentiment_score":0.6921442747116089},{"text":"Bye.","start":1715.4199,"end":1715.9199,"sentiment":"positive","sentiment_score":0.39411792159080505}],"sentiment":"positive","sentiment_score":0.543131098151207,"channel":1,"num_words":2,"start":1714.78,"end":1715.9199},{"sentences":[{"text":"Bye.","start":1716.265,"end":1716.765,"sentiment":"neutral","sentiment_score":-0.11669459193944932}],"sentiment":"neutral","sentiment_score":-0.11669459193944932,"channel":0,"num_words":1,"start":1716.265,"end":1716.765}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with customers about their annual reviews, personal information, income, and property. They also discuss the customer's mortgage, property, and health and lifestyle. The agents suggest a lawyer firm to ensure legal protection and discuss risk tolerance for investment portfolios. The speakers emphasize the importance of reducing risk levels and investing in growth assets, and offer assistance for further questions."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start_word":76,"end_word":106,"intents":[{"intent":"Confirm identity","confidence_score":0.43826157},{"intent":"Coordinate with other person","confidence_score":5.787875e-7},{"intent":"Confirm identity","confidence_score":0.85368955}]},{"text":"Well, I will try my best to make this as quick as I can for you. But before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at?","start_word":142,"end_word":211,"intents":[{"intent":"Discuss topic","confidence_score":0.0021283042},{"intent":"Express intent to focus on areas","confidence_score":0.00011359357}]},{"text":"Now when it comes to occupation, what is it that you do for work?","start_word":391,"end_word":404,"intents":[{"intent":"Ask about work requirements","confidence_score":0.00028440577}]},{"text":"Now I also have here that you have two motor vehicles, one valued at 11,000 and one at 3,000. Is that still the case?","start_word":807,"end_word":830,"intents":[{"intent":"Assess vehicle value","confidence_score":0.0566715}]},{"text":"And then the 3,000 and the other 11,000, you sold those?","start_word":1069,"end_word":1079,"intents":[{"intent":"Confirm balance","confidence_score":0.019992715}]},{"text":"And is that just on a trading platform, or how do you have those shares?","start_word":1147,"end_word":1161,"intents":[{"intent":"Provide information","confidence_score":0.03057795}]},{"text":"Now do you have any other assets that's changed in the last twelve months that we haven't gone over yet?","start_word":1185,"end_word":1204,"intents":[{"intent":"Clarify assets","confidence_score":0.021528948}]},{"text":"And do you have any other liabilities, like personal loans, credit cards, SIP pay?","start_word":1211,"end_word":1224,"intents":[{"intent":"Confirm personal loans","confidence_score":0.077656046}]},{"text":"And do you have private health insurance?","start_word":1274,"end_word":1280,"intents":[{"intent":"Confirm personal insurance","confidence_score":0.06548238}]},{"text":"And do you have private health insurance? Yes. We do.","start_word":1274,"end_word":1283,"intents":[{"intent":"Confirm private health insurance","confidence_score":0.21230157}]},{"text":"And do you have private health insurance? Yes. We do. Yes.","start_word":1274,"end_word":1284,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.0011283404}]},{"text":"And do you guys have a will in place or power of attorney or anything like that?","start_word":1396,"end_word":1412,"intents":[{"intent":"Confirm will","confidence_score":0.011441229}]},{"text":"But you don't have anyone who makes any financial decisions on your behalf, otherwise?","start_word":1434,"end_word":1447,"intents":[{"intent":"Discuss financial decisions","confidence_score":0.0547508}]},{"text":"It is good to still consider I always tell everyone that it is good to have a will in place with us just to make everything as as streamlined as possible. If something ever were to happen, you can always get dual wills as well, potentially.","start_word":1472,"end_word":1517,"intents":[{"intent":"Discuss will and estate options","confidence_score":0.012487003}]},{"text":"Obviously, the most comprehensive way is going through a lawyer. Some people, if you don't have a very complex estate or you don't wanna spend the money on the lawyer, you can even just get, like, a will kit from the post office, which is a lot cheaper.","start_word":1556,"end_word":1603,"intents":[{"intent":"Ask about attorney recommendation","confidence_score":0.000014331596}]},{"text":"Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now?","start_word":1647,"end_word":1675,"intents":[{"intent":"Clarify future communication","confidence_score":0.000059973416},{"intent":"Offer information on lawyer firm","confidence_score":0.0018177765}]},{"text":"Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now? Honestly, I'm not thinking about it at the moment. So maybe No. That's maybe you're down okay. the track a bit. Yeah.","start_word":1647,"end_word":1697,"intents":[{"intent":"Confirm understanding","confidence_score":0.05635194}]},{"text":"Now when it comes to superannuation for you, I do have it down here that, ideally, you would like to retire at the age of 67. Is that still the plan?","start_word":2206,"end_word":2236,"intents":[{"intent":"Educate retirement plan","confidence_score":0.004681268}]},{"text":"So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk?","start_word":2907,"end_word":2930,"intents":[{"intent":"Evaluate superannuation risk","confidence_score":0.08760613}]},{"text":"And volatility wise, how would you feel if, let's say, after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start_word":2951,"end_word":2986,"intents":[{"intent":"Assess portfolio value","confidence_score":0.34157887}]},{"text":"You see the value I kinda don't know if you mentioned with the percentage the market.","start_word":3315,"end_word":3330,"intents":[{"intent":"Evaluate market value","confidence_score":0.057898916}]},{"text":"And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No.","start_word":3391,"end_word":3418,"intents":[{"intent":"Discuss borrowing potential","confidence_score":0.02331045},{"intent":"Explain investment strategy","confidence_score":0.0053380043}]},{"text":"Now that tells me here that you are kind of borderline between a high growth and an aggressive investor. Now at the moment, we do have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive portfolio? Sorry.","start_word":3436,"end_word":3479,"intents":[{"intent":"Discuss portfolio strategy","confidence_score":0.024854507},{"intent":"Evaluate portfolio preferences","confidence_score":0.00003283123},{"intent":"Discuss portfolio growth","confidence_score":0.037321284}]},{"text":"otherwise, if you don't, I can always just run through them with you while you can't see them. And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them. It is completely up to you. Maybe you can run through it with me then. Yeah.","start_word":3961,"end_word":4022,"intents":[{"intent":"Review documents","confidence_score":0.09263821}]},{"text":"Now when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less? Or what are your thoughts in regards to that life and TPD for you?","start_word":4201,"end_word":4240,"intents":[{"intent":"Discussing insurance coverage levels","confidence_score":0.000037908972}]},{"text":"And I can see here as well that you don't have income protection or trauma insurance. You're still comfortable without those two insurance policies? For now, yeah.","start_word":4250,"end_word":4276,"intents":[{"intent":"Assuring clarity","confidence_score":0.000026390599}]},{"text":"a look at a few things. You know, certain things go up in price, certain things go down, and I think I have a general understanding of it. So Okay.","start_word":4435,"end_word":4464,"intents":[{"intent":"Explaining understanding","confidence_score":0.00025835764}]},{"text":"Now the report that I have included for you, it gives you a snapshot over the last twelve months. So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments.","start_word":4470,"end_word":4519,"intents":[{"intent":"Inform about report","confidence_score":0.0006813098},{"intent":"Provide information","confidence_score":0.07422703}]},{"text":"That sounds good. Yeah.","start_word":4629,"end_word":4632,"intents":[{"intent":"Express gratitude","confidence_score":0.031471677}]},{"text":"Do you have any questions so far? That's pretty straightforward.","start_word":4633,"end_word":4642,"intents":[{"intent":"Offer assistance","confidence_score":0.06626373},{"intent":"Request assistance","confidence_score":0.0016649971}]},{"text":"I've got a meeting in literally one minute. Is Okay.","start_word":4662,"end_word":4671,"intents":[{"intent":"Plan meeting","confidence_score":0.00047169253}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Veronica from OQ Financial. How are you? Hello?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.21039165556430817},{"text":"Good. Thank you. How are you? I'm good. Thanks. I had you booked in to go over your annual review.","start_word":12,"end_word":31,"sentiment":"positive","sentiment_score":0.4659767746925354},{"text":"Is now still a good time for you? Yes. Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. That's fine. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Tom Tung Ho, 09/12/1984. Yep. 7 Violet Place, Craig, Glen Vic 3064. Yep.","start_word":32,"end_word":119,"sentiment":"neutral","sentiment_score":0.09607458859682085},{"text":"Perfect. That's exactly what I have here.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.4740664064884186},{"text":"And how's your day been so far? I've been busy. Dizzy. Yeah. Really busy. Yeah. Well, I will try my best to make this as quick as I can for you. But before I do jump in, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at? I guess we just started with a bit of a catch up and just, I guess, make sure that, you know, the the strategy that we've got at the moment is still the best one for me, I guess. Yep. Perfect. So what I will do first is I have to send you an email with some documents, but sometimes it takes a little bit to come through. So what I will do is just to run through a bit of an updated fact find with you first just to see if there is anything major that has changed in your life Cool. that then might mean that would you have to make some changes. So just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case as well? Yes. Yep. Perfect. And next up, Ken, I have your wife nominated. Phone number ending in 623. That's still the case as well? Yes. Yep.","start_word":127,"end_word":389,"sentiment":"neutral","sentiment_score":0.019660377287139454},{"text":"Perfect.","start_word":390,"end_word":390,"sentiment":"positive","sentiment_score":0.5174821615219116},{"text":"Now when it comes to occupation, what is it that you do for work? I'm just, I guess, in the general area. So I previously was a data analyst, and I'm now moving towards a bit more of a commercial. I guess it's still a data analyst. It's a the title is commercial data analyst.","start_word":391,"end_word":445,"sentiment":"neutral","sentiment_score":0.028838051483035088},{"text":"Perfect. And do you enjoy it?","start_word":446,"end_word":451,"sentiment":"positive","sentiment_score":0.419055700302124},{"text":"Yeah.","start_word":452,"end_word":452,"sentiment":"neutral","sentiment_score":0.2697269916534424},{"text":"Yeah. I love it. Yeah. That's good.","start_word":453,"end_word":459,"sentiment":"positive","sentiment_score":0.48411425948143005},{"text":"And you're working full time? Working full time. Yes. Yep. Perfect. And I imagine that's mainly just office based? Hybrid. Hybrid? And is that hybrid working from home in office or hybrid as in working in office and Yep. being on-site? Hybrid working from home and office. Oh, yeah.","start_word":460,"end_word":508,"sentiment":"neutral","sentiment_score":0.05984481796622276},{"text":"Perfect. That's nice.","start_word":509,"end_word":511,"sentiment":"positive","sentiment_score":0.4419777393341065},{"text":"Now income wise, I have here that last time we spoke to you, it was around 92,500. Is that still the case, or has that changed No. at It's it's gone all? up to $1.25. Oh, nice. 25. Perfect. Now is that based and do you earn any in car sorry, any overtime or bonuses or anything, or does it roughly stay the same? That's the base. There's no overtime in that bonus. Okay. Perfect. And your employer, they just pay you that standard 12% contribution into super, or do you have a special, like, EBA in place or anything with them? No. Just the standard 12. Just a standard 12. Perfect. And you're not making any additional contributions? Is that from your employer? No. Yep. Great. Assets and liabilities wise, I have here that your property, last time we spoke to you, was right at about 622,000. Do you know if that's the case, or has that gone up a little bit? Do you know? I imagine it went up throughout the year, but given what's happening with within Australia at the moment, I feel like it may have come down a bit, but, honestly, I haven't checked it in the last maybe five, six months. No. That's okay. Do you think roughly after everything you'll be leaving at the same? I I I reckon it might be up, you know, maybe towards the $6.40, $6.50 mark.","start_word":512,"end_word":749,"sentiment":"neutral","sentiment_score":-0.026063516031668968},{"text":"Alright. Perfect. I'll do $6.","start_word":750,"end_word":754,"sentiment":"positive","sentiment_score":0.39319291710853577},{"text":"40. Now mortgage, I have here about 450. Yeah. That that's obviously come down a bit as the years progressed. I I've I've paid extra into it as well, but if we sort of take all that out, I'd say that we're probably sitting at around about 04:30 ish. 04:30.","start_word":754,"end_word":803,"sentiment":"neutral","sentiment_score":0.00949520617723465},{"text":"Perfect. Thank you.","start_word":804,"end_word":806,"sentiment":"positive","sentiment_score":0.4977768063545227},{"text":"Now I also have here that you have two motor vehicles, one valued at 11,000 and one at 3,000. Is that still the case? That's changed. Mhmm. So we're actually only on one vehicle at the moment, and the Okay. vehicle was purchased last year. So I Mhmm. don't know how to evaluate it from a depreciation perspective, but we bought it for around about 50,000. Okay. Yep. And, obviously, that's on a a car loan. So I don't Yep. know how to sort of work that out, and maybe you can help me there. Yeah. No. That's okay. I'll just put it in. So you bought it last year. What kind of car is it? It's a Geely. It's a electric vehicle. Yeah. That will be handy now with fuel prices for you guys. Yeah. And okay. So when you bought it, did you put a deposit down on it, or was it mainly just, like, the whole amount on the on the current loan and then you're just repaying after you go? I think it was just, like, a $1,000 deposit or something. Okay. I can't remember, to be honest, but it was a very, very small and then the rest of it was just on the line. The loan no. That's okay. And do you know what your repayments are at all? I know that they were about $6.50 a fortnight. I don't Mhmm. know how much they've changed. I haven't checked it. Yeah. No. That's okay. Gives me a bit of an idea anyway.","start_word":807,"end_word":1064,"sentiment":"neutral","sentiment_score":-0.0036430670879781246},{"text":"So that's good.","start_word":1065,"end_word":1067,"sentiment":"positive","sentiment_score":0.4238566756248474},{"text":"And then the 3,000 and the other 11,000, you sold those? Yes. Yep. Okay.","start_word":1068,"end_word":1081,"sentiment":"neutral","sentiment_score":0.0526231974363327},{"text":"Perfect.","start_word":1082,"end_word":1082,"sentiment":"positive","sentiment_score":0.5247344970703125},{"text":"I also have here that you have about 3,000 in an offset account. Yeah. Probably about 5 Yeah. thousand now. About 5. Perfect. And you also have some shares about $7,000. I've got that's probably come down a bit. I think it shows have lost the the value, but I my best guess would be maybe about 3 and a half, maybe 4,000. Perfect. And is that just on a trading platform, or how do you have those shares? It's across two trading platforms. Okay. And what platforms are they? One is Super Hero and the other one is CommSec. Yeah. Perfect. Now do you have any other assets that's changed in the last twelve months that we haven't gone over yet? I don't think so. Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, SIP pay? Apart from the additional car loan, I think last we spoke, everything else is pretty normal. Yep. Okay. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well? Correct. Yep. Perfect. And do you have private health insurance? Yes. We do. Yes. Yep. And that is hospital as well? Yeah. Hospital and extras. Yeah.","start_word":1083,"end_word":1296,"sentiment":"neutral","sentiment_score":0.058805156499147415},{"text":"Great. Perfect.","start_word":1297,"end_word":1298,"sentiment":"positive","sentiment_score":0.4682753682136536},{"text":"Especially now with your income being a bit higher as well, You do wanna avoid that extra medical levy surcharge.","start_word":1299,"end_word":1318,"sentiment":"neutral","sentiment_score":0.2298540025949478},{"text":"So that's good that you do have the private health with hospitals, so that is great.","start_word":1319,"end_word":1334,"sentiment":"positive","sentiment_score":0.40654584765434265},{"text":"Now estate planning wise, I have here your wife nominated for your beneficiary. So if something were to happen to you, it will all go to her. That's still the case as well? Yes. Yep.","start_word":1335,"end_word":1369,"sentiment":"neutral","sentiment_score":0.21324968338012695},{"text":"Perfect. And because it is going to a spouse, if something ever were to happen, she will receive everything tax free as well, which is great.","start_word":1370,"end_word":1395,"sentiment":"positive","sentiment_score":0.4012141823768616},{"text":"And do you guys have a will in place or power of attorney or anything like that? I don't think so. I I I don't think I've ever sort of completed a will. No. That's okay. Yeah. But you don't have anyone who makes any financial decisions on your behalf, otherwise? I just figured that would be my wife, given Yeah. that she is myself. I I figured that was just to focus to her. Yep.","start_word":1396,"end_word":1471,"sentiment":"neutral","sentiment_score":-0.02480916324757824},{"text":"It is good to still consider I always tell everyone that it is good to have a will in place with us just to make everything as as streamlined as possible.","start_word":1472,"end_word":1502,"sentiment":"positive","sentiment_score":0.6062468886375427},{"text":"If something ever were to happen, you can always get dual wills as well, potentially. So if something ever were to happen to you and your wife's assets and stuff, I do always suggest it is good to have a look at. Obviously, completely up to you. You can do it different ways. Obviously, the most comprehensive way is going through a lawyer. Some people, if you don't have a very complex estate or you don't wanna spend the money on the lawyer, you can even just get, like, a will kit from the post office, which is a lot cheaper. The only thing with that is just making sure if you do decide to go down that way, to just read instructions carefully and complete it correctly. So if something ever were to happen, it will hold up in court. Sure. Yep.","start_word":1503,"end_word":1645,"sentiment":"neutral","sentiment_score":0.26102757453918457},{"text":"Perfect.","start_word":1646,"end_word":1646,"sentiment":"positive","sentiment_score":0.5128005146980286},{"text":"Would you like me to get the team to send you some information on a lawyer firm that we work closely with, or are you all good for now? Honestly, I'm not thinking about it at the moment. So maybe No. That's maybe you're down okay. the track a bit. Yeah. I mean, if it ever changes, just let me know, and we can always send you some information. If not, it's always good to have in the back of your mind.","start_word":1647,"end_word":1728,"sentiment":"neutral","sentiment_score":0.05425229296088219},{"text":"But the good thing is that because your superannuation and insurances does not form part of the estate, because you do have a valid nomination in place for those, that will definitely go to your your wife if something were to happen as well. So that's all sorted for you.","start_word":1729,"end_word":1778,"sentiment":"positive","sentiment_score":0.5363571643829346},{"text":"Okay. Sure. Yep.","start_word":1779,"end_word":1781,"sentiment":"neutral","sentiment_score":0.2809213399887085},{"text":"Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, often doing the interview is good to kind of check-in to be like, okay.","start_word":1782,"end_word":1815,"sentiment":"positive","sentiment_score":0.349335640668869},{"text":"What was your goals last year? How did you go with or do you need any further assistance with anything, or has anything changed? Now when we spoke to you last time, your main focus was to potentially buy an investment property. Is that still kind of on the cards and something you guys are working towards, or has that changed? It it is. And we were actually actively looking sort of late last year into early this year, and we actually placed an offer down on a property, but it fell through. It didn't didn't work out. So we we Okay. are actively looking. It Okay. just hasn't sort of yielded me through yet. Yep. Okay. No problem. Otherwise, looking a bit more medium term goal, your your focus was to kinda get your son through high school in the next two years, I believe, and to put him through private school and potentially save up a little bit for that. Is that still kind of something you guys are working towards? That's already completed.","start_word":1816,"end_word":1991,"sentiment":"neutral","sentiment_score":0.041593492877754296},{"text":"So Oh, he's great.","start_word":1992,"end_word":1995,"sentiment":"positive","sentiment_score":0.37553396821022034},{"text":"actually in he's he's in private school. Actually, both funds are in private school at the moment. Actually, funny enough.","start_word":1996,"end_word":2015,"sentiment":"neutral","sentiment_score":0.1558547466993332},{"text":"So Well, that's great. yeah. We've definitely achieved that.","start_word":2016,"end_word":2024,"sentiment":"positive","sentiment_score":0.46464475989341736},{"text":"Sorry. I'll update that.","start_word":2025,"end_word":2028,"sentiment":"neutral","sentiment_score":0.03554856777191162},{"text":"That's great.","start_word":2029,"end_word":2030,"sentiment":"positive","sentiment_score":0.4559776484966278},{"text":"And aside from that, I have here that you're you're basically just focusing on paying down the mortgage as much as possible. I know you said you are making a bit of extra repayments on the mortgage. Is that kind of your main focus aside from the investment property otherwise? Yeah. I I guess so. We obviously got the extra repayment onto the mortgage sort of using that doubling up as a sort of investment property for the deposit for the investment property. So, you know, I guess in the interim, which is really in as a reduced interest. Yep. And then when the time comes, we would consider taking it out. Not all of it because we wanna leave sort of a bit of a rainy day fund. Yeah. But, Bit yeah, of that's a no. Just me. that's it. And then just Yep. every now and then we purchase a a parcel of shares as well. Yeah.","start_word":2031,"end_word":2189,"sentiment":"neutral","sentiment_score":-0.021136341616511345},{"text":"Oh, that's good. And I think that's a really good way to do things as well.","start_word":2190,"end_word":2205,"sentiment":"positive","sentiment_score":0.7429229188710451},{"text":"Now when it comes to superannuation for you, I do have it down here that, ideally, you would like to retire at the age of 67. Is that still the plan? Do you you're happy to work a bit longer, or would you like to start your own income at 60 when you can? So Or so or what are your thoughts? what what age was it? Sorry. I have 67 noted down here for you. Okay. I think the answer is pretty generic. I don't wanna retire as good as possible. Yep. That's what most people say, so I will just change that to 60. Now with the current legislation, you if you retire, you can access your super company tax free at the age of 60, between 60 and 65. So if you wanted to, you know, reduce your hours, like a bit of part time, but still want to draw a bit of an income from your superannuation as well, you can do that under a transition to retirement strategy. So if, you know, that is something you're interested in down the line when you get closer to that, we can look at that for you. Or, otherwise, 65, if you keep working, you can then access everything tax free. 67 is age pension. Yep.","start_word":2206,"end_word":2423,"sentiment":"neutral","sentiment_score":0.1095377430319786},{"text":"Awesome.","start_word":2424,"end_word":2424,"sentiment":"positive","sentiment_score":0.41195589303970337},{"text":"Does that make sense? Yep. That makes sense. Yep.","start_word":2425,"end_word":2433,"sentiment":"neutral","sentiment_score":0.24269206821918488},{"text":"Perfect.","start_word":2434,"end_word":2434,"sentiment":"positive","sentiment_score":0.5184252262115479},{"text":"And I have here as well that from a weekly income from superannuation when you do retire, that you would like to draw about a thousand dollars per week. Do you see still think that would be achievable, or do you think you need a little bit more for, like, living expenses and everything for you? Honestly, I think it might be a bit more given the cost of living has increased so much, but I Yeah. Yes. I haven't really thought about, How you know, much? how far a thousand's gonna go yet. Like, it it just it hasn't really sort of crossed my mind to sort of revise that What yet. I would So I'm I'm no. And honestly, I'm not sure. and and that's perfectly fine. And and to be fair, most people say between 1,000 up to 1,500, maybe 2,000, depending on how obviously extravagant you want your lifestyle during retirement, but then also your other assets. Because for most people, the goal is to be, you know, not have too much mortgage attached to their property.","start_word":2435,"end_word":2615,"sentiment":"neutral","sentiment_score":0.07196599103572125},{"text":"So then you don't really have those repayments to worry about, and it will be mainly just to cover, you know, living expenses, doing some traveling, and just enjoy retirement, essentially. Yep. Sure.","start_word":2616,"end_word":2648,"sentiment":"positive","sentiment_score":0.38809895515441895},{"text":"Now when it comes to your superannuation as well, the next thing I run through with you quickly there is just a bit of an updated risk profile questionnaire, and that is just to see if your risk tolerance or anything has changed when it comes to your superannuation investments, if we need to make any changes.","start_word":2649,"end_word":2705,"sentiment":"neutral","sentiment_score":0.1811499446630478},{"text":"So it is all multiple choice to make it nice and easy, and there is no right or wrong answer.","start_word":2706,"end_word":2725,"sentiment":"positive","sentiment_score":0.35150012373924255},{"text":"Does that make sense? Sure. Yep.","start_word":2726,"end_word":2731,"sentiment":"neutral","sentiment_score":0.2579692602157593},{"text":"Perfect.","start_word":2732,"end_word":2732,"sentiment":"positive","sentiment_score":0.5393713712692261},{"text":"Now when it comes to your personal investments as well, is that mainly, like, ETFs, managed funds, or do you have direct shares as well? Very few direct shares. Like I said, it's only got $4,000 in in direct Yep. shares. Okay. Yep. Yeah. That's that's better. No. That's all good. Now next is when it comes to inflation. So inflation, obviously, means things are getting more expensive over time, making your money worth less and everything. It's costing a little bit more. Now how much of a risk are you willing to take in order to kinda keep up with the the rising prices and everything thinking about your superannuation? Sorry. Would I didn't you I say didn't quite catch the question. Sorry. yeah. No. So, basically, it talks about increasing prices and everything continues to go up and getting more expensive and Yep. how much risk you are willing to take in order to try and make sure that you stay on top of the increasing prices and everything like that. Sure. So would you say for your superannuation that you are willing to accept very high risk, high moderate, or a small amount of risk? Given my current age and and whatnot, I'd say that I'm happy to accept the high risk. Mhmm.","start_word":2733,"end_word":2948,"sentiment":"neutral","sentiment_score":-0.05303199465076128},{"text":"Yep. Perfect.","start_word":2949,"end_word":2950,"sentiment":"positive","sentiment_score":0.5028637051582336},{"text":"And volatility wise, how would you feel if, let's say, after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So it's not like one particular investment that's gone bad, just general trends happening in the market, which we've seen a little bit over the last twelve months. Now would you say that if you had the option to do so, you'd wanna take advantage of the drop in prices by thinking that now is a good time to invest a little bit more? Would you hold and kind of wait and see what happens, or would you want to shift to a bit more of a secure asset? So that means you are then selling when the prices have already dropped. Sure. Definitely not the last one. I Yeah. guess it depends on the market in itself. Yeah. Like, that 20% drop, was it a really quick drop? Was it a sort of a very gradual drop? I guess it depends. Mhmm. But, yeah, there would be obviously consideration for either holding or, I guess, adding more funds to it to sort of capitalize on that dip. Mhmm. Depending Yep. on circumstances and stuff. No. That makes sense. Some of these questions is a little bit some of these questions is a bit tricky as well because it's very much circumstantial, and it's more so just to kinda gauge your behavior in regards to it and how you'd feel in certain environment. Sorry. And, yeah, I completely understand that sometimes different scenarios would obviously mean different outcomes. Yep. But that at least is good to know. Now next is, again, when it comes to fluctuation. So superannuation, property, your personal investments, anything like that, if any has ever fallen in value, how did that make you feel? Would you say optimistic about future investment opportunities? A bit more kind of neutral, cautious, not making further investments, or highly anxious? So what was the last one? Highly anxious. If any particular asset was to drop in value, I'd actually view it as Yep. an opportunity. Yeah.","start_word":2951,"end_word":3312,"sentiment":"neutral","sentiment_score":-0.0035843485966324806},{"text":"That's good.","start_word":3313,"end_word":3314,"sentiment":"positive","sentiment_score":0.6604019403457642},{"text":"You see the value I kinda don't know if you mentioned with the percentage the market. in there for that last question or not, but yeah, I sort of look at things from an opportunity perspective. If Mhmm. it drops in value, I mean, that it's at a discount, but obviously, it has to be the right Yep. asset, like, you know, just finally Yes. jumping in. Yes. No. Perfect. That no.","start_word":3315,"end_word":3386,"sentiment":"neutral","sentiment_score":0.04032059013843536},{"text":"That's that's really good.","start_word":3387,"end_word":3390,"sentiment":"positive","sentiment_score":0.43718743324279785},{"text":"And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No. You would be open for borrowing for an investment property, though? For sure. Yes. Yep. Alright. Perfect. Now that tells me here that you are kind of borderline between a high growth and an aggressive investor. Now at the moment, we do have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive portfolio? Sorry. An aggressive investor at all and how it all works? It means that the share is a lot more volatile. The portfolio is a lot more volatile. And if I'm not mistaken, I think from memory, it was a sort of historical trajectory that, you know, let's say every five years, there was one year that you'd actually move backwards for four years of growth, Correct. Some some things like that. Yeah. Yeah.","start_word":3391,"end_word":3552,"sentiment":"neutral","sentiment_score":-0.014583160169422626},{"text":"And that is very spot on.","start_word":3553,"end_word":3558,"sentiment":"positive","sentiment_score":0.3617205917835235},{"text":"And it basically exactly like that is tailored for investors who are obviously plenty of time until retirement, Happy to see short term fluctuations in order to try to grow your super as much as possible over the long term. Time frame wise, you do have plenty of time until retirement, and we ideally like to see about ten years until retirement in aggressive portfolio, which you certainly have behind you to kind of wait for those fluctuations to come back around. And when it comes through how your assets are invested, we see around 95 to about a 100 is invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities, and that is ultimately what's going to maximize those returns for you. And then between about 5% or less will be in your defensive, like your cash, your gold, your fixed interest. Payment fluctuations a little bit, but the main focus is to be kind of invested in those growth investments to to give you that growth over the long term. Yep. Does that That all sounds make sense?","start_word":3559,"end_word":3746,"sentiment":"neutral","sentiment_score":0.1599069052237145},{"text":"good. Are you still happy for now to be in an aggressive portfolio?","start_word":3747,"end_word":3759,"sentiment":"positive","sentiment_score":0.41515305638313293},{"text":"Yeah. I'm I'm happy to just be in that bucket, and I think that I well, maybe things would change, but at the moment, I'd say that I'd be in that bucket probably until about five years Yep. from retirement. Yep.","start_word":3760,"end_word":3800,"sentiment":"neutral","sentiment_score":0.2270500361919403},{"text":"Perfect. And that's usually the case as well.","start_word":3801,"end_word":3808,"sentiment":"positive","sentiment_score":0.5043261647224426},{"text":"Obviously, the closer you get to retirement, that's when people want to start slowly reducing their risk down a little bit because you don't have as much time in the market.","start_word":3809,"end_word":3839,"sentiment":"neutral","sentiment_score":0.2789272665977478},{"text":"So it would definitely make sense from a time frame point of view. It seems like you have a pretty good understanding of the market and that they do fluctuate as well, which is great.","start_word":3840,"end_word":3874,"sentiment":"positive","sentiment_score":0.5306838154792786},{"text":"Now have you received an email from myself at all in the last ten, fifteen minutes? I think something came through on my phone earlier. Yeah. I might just have access to my computer at the moment, so I might No. have to check That's it on my phone. yeah. That's okay. Are you do you have the opportunity to access it on your phone? Or I I I should do. Maybe you can just give me yeah. a couple of minutes. Yeah. Sure. Because Sure. otherwise, if you don't, I can always just run through them with you while you can't see them. And then when you have a bit more time later or when you're in front of your computer, you can have a bit of a review of them. It is completely up to you. Maybe you can run through it with me then. Yeah. Okay.","start_word":3875,"end_word":4023,"sentiment":"neutral","sentiment_score":0.06002747640013695},{"text":"Perfect.","start_word":4024,"end_word":4024,"sentiment":"positive","sentiment_score":0.3686608672142029},{"text":"Now we have recently changed the software as well. So when you do have a look at the documents, if it looks a little bit different, that's why the principle is still the same. Click on the email. Click on the link where it says sign now. Now it will still allow you to open up all the documents before it prompts you to sign anything so that you can review them first. But, essentially, when you do have a look at it, you will see a couple of documents. Now one is your super and insurance summary. Now you have your super with Netwealth, and you do have about a $119,987 in there at the moment. Now you also have some insurances with Clearview, and you have life and total permanent disability insurance. And that is covering you for $532,840. Now with your life and TPD, because it is structured and paid from within superannuation, you do get a tax rebate. So the total premium you pay for both those two is $481 per year. Now when it comes to your insurances, are you still happy with that level of cover, or do you feel like you need more or less? Or what are your thoughts in regards to that life and TPD for you?","start_word":4025,"end_word":4240,"sentiment":"neutral","sentiment_score":0.1078408503284057},{"text":"I'm happy with that level of cover. Yep. Perfect.","start_word":4241,"end_word":4249,"sentiment":"positive","sentiment_score":0.4905848205089569},{"text":"And I can see here as well that you don't have income protection or trauma insurance. You're still comfortable without those two insurance policies? For now, yeah. Yep.","start_word":4250,"end_word":4277,"sentiment":"neutral","sentiment_score":0.07926137000322342},{"text":"Okay. Perfect.","start_word":4278,"end_word":4279,"sentiment":"positive","sentiment_score":0.4372950792312622},{"text":"If anything ever changes down the track as well, just let us know. It doesn't have to be at annual review time. It can be any time as well if if you do change your mind. Sure. Now you will also see your Clearview certificate of currency added in the email there for you. It just breaks down your insurances in a little bit more detail, but, basically, just lets you know that's all paid and up to date. Now what you also have is then a Netwealth performance report. Do you go in and have a look at your super investments every now and then, or is that not something you really pay much attention to? I've downloaded the network app. So Yeah. I sort of jump on I was actually on this morning just having a look at a a couple of things. It's a little foreign to me. But let's have Yeah. a look at a few things. You know, certain things go up in price, certain things go down, and I think I have a general understanding of it. So Okay.","start_word":4280,"end_word":4464,"sentiment":"neutral","sentiment_score":0.11190783232450484},{"text":"Oh, well, that's good.","start_word":4465,"end_word":4468,"sentiment":"positive","sentiment_score":0.44598081707954407},{"text":"Now the report that I have included for you, it gives you a snapshot over the last twelve months. So it shows you all your individual investments, how much you actually have invested in each investment, but then also the return for each and every single one of the investments. It also gives you a total portfolio review, so the total return of the portfolio for you. And in the last twelve months, you kind of touched on as well. We have seen a little bit of fluctuation obviously in the market, a bit of ups and downs. But despite all of that, though, and despite that we do have you in an aggressive portfolio, your portfolio overall has still done really good. So over the last twelve months, now this is all after fees.","start_word":4469,"end_word":4603,"sentiment":"neutral","sentiment_score":0.17266158759593964},{"text":"So after all fees have been deducted from your account, your portfolio has still gone up by 11.31% from your investments, which is really good. That sounds good.","start_word":4604,"end_word":4631,"sentiment":"positive","sentiment_score":0.6318401098251343},{"text":"Yeah. Do you have any questions so far? That's pretty straightforward.","start_word":4632,"end_word":4642,"sentiment":"neutral","sentiment_score":0.19642972946166992},{"text":"That's pretty straightforward.","start_word":4643,"end_word":4645,"sentiment":"positive","sentiment_score":0.35690444707870483},{"text":"Yep. I I I don't wanna cut you off, and I don't need to be rude. I've got a meeting in literally one minute. Is Okay. there much more to go? No. No. I'll try to make it quick. I'll Thanks. do it as fast as I can.","start_word":4646,"end_word":4693,"sentiment":"neutral","sentiment_score":0.06708327680826187},{"text":"It seems like you're pretty on top of it, so I'm happy to skip most of the other documents.","start_word":4694,"end_word":4712,"sentiment":"positive","sentiment_score":0.3379947543144226},{"text":"But the only thing I do wanna let you know is that if you're happy to do so, I will just need you to sign two documents. One is an ongoing service agreement. That is just to say that you are happy to stay on as a client. Now there's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super, not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, but this lets us service your account and manage your investments for you in the meantime. Does that make sense? That makes sense. Yep.","start_word":4713,"end_word":4825,"sentiment":"neutral","sentiment_score":0.1448548287153244},{"text":"Alright. Perfect.","start_word":4826,"end_word":4827,"sentiment":"positive","sentiment_score":0.38476425409317017},{"text":"Well, I will let you go. Have a look through the document when you have a bit more time. If you have any questions in regards to anything, we haven't gone through a lot of the rest. It's just kind of compliance documents. Have a read over it. Let me know if you have any questions. If not, if you're happy, I will just need you to sign those documents there for me, and they will come through, and I will get that all processed for you. And if you need anything else in the meantime, though, don't hesitate to give me a call.","start_word":4828,"end_word":4931,"sentiment":"neutral","sentiment_score":0.1857769967844853},{"text":"Awesome. Alright. Thank you. No problem at all. We'll speak soon. Thanks. Bye.","start_word":4932,"end_word":4944,"sentiment":"positive","sentiment_score":0.5816936492919922},{"text":"Bye.","start_word":4945,"end_word":4945,"sentiment":"neutral","sentiment_score":0.3098941445350647}],"average":{"sentiment":"neutral","sentiment_score":0.10365082164779373}}}}