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Now I had you scheduled in just following a conversation with one of my colleagues regarding your performance. Just having a conversation around that this morning. Perfect. Just to get started on that one here, if I could just pass you through security with that name, date of birth, and card notice, we can get started on that today. Yeah. Address. Thanks. Sorry. Perfect. Thank you for that one. Definitely. No. These calls are recorded for quality and training purposes there now as well, if you're okay with that one. Now I know you didn't do your annual review with me. I think believe it was my colleague, Dana, the end of last year. You originally had your annual review regarding that one and the original performance of that. Now I don't have the performances she sent through to that, but I did draw up just some projections based on what my colleague said the other day when you're booking in just regarding how everything went and sort of just being in an industry fund there as well. Let me just double check your account. So I believe it was twenty ninth to seventh with an annual review is conducted. So I believe it was probably sent via DocuSign when you did your initial. It should have the twelve month performance at that point. Obviously, I can let you know the performance sort of based on the twelve months from as at today's date and how that sort of looks and what has occurred. Now I'm not too sure how it's explained to you regarding what happened at the end of last year. So when you originally came on board, I'm not too sure who you sort of spoke to or when they originally sort of made the portfolio for you, but you do have quite an allocation, like a high allocation to Benelon, an actively managed fund. Now Yep. And we sort of hold no. It will. Obviously, you haven't spoken to me before, so I have no issues whether if you chose industry fund over us or our service. As I said, like, I'm can't pertain to what service you have received since being on board. Obviously, if you were to, you know, say, we would, as you said, look to update the portfolio. I myself wouldn't put such a high allocation to one managed fund with that because you do have 30% of your current portfolio in Ben Long. And as a result of that, I'm not too sure if they explained to you that they have an underlying investment called corporate traveler. Now that investment was done for not reporting correctly. Their accounting was not sorta up to scratch. And as a result of that, they'll put a a trading hold. And then Benelongs had to reevaluate that stock. As a result of that as well, people have sort of lost consumer confidence in the the Benelong fund itself, you know, not monitoring their investments or seeing any sort of signs that that may be the case with that. I mean, because it's such a high allocation to your fund, when that went back by 20% there, it did cause a significant dip in your value, which is the result of why it's sort of gone backwards so much in the past three months there in conjunction with, obviously, the wars going on in Iran and everything as well that has sort of had a bit of a negative impact on superannuation, if that makes sense. But, yeah, from your your phone call, obviously, since being on board, you know, coming on sort of the back end of COVID, the markets are a little bit rough there as well, and then the recovery from that. And then with that and then the last dip, yeah, it was sitting around, like, a 4% return year on year as, like, a rolling average as, like, a percentage return to the five year rolling averages compared to, like, Australian super. So five year rolling average for the fund that you're currently in is about 8.58%. And then the five rolling average for an Australian super with a similar sort of allocation to pardon? Yeah. In in terms of that and what sort of do and then you obviously do have in regards to that the the adviser fee for the service you do pay and the other services you do have access to in regards to that. Now with that as well, with the Australian Super, when it does say the high growth there as well, generally, the allocations to growth assets are quite a bit higher. So in saying that if you match up what sort of we've got invested in a high growth in line with Oakview's philosophy compared to, like, the Australian super equivalent, I think the returns are sitting closer to sort of, like, a 7.62 with the growth of defensive asset allocations. Obviously, they're both named high growth, so it would be closer to what you you said, but in saying that they do have a higher allocation in those funds to what, like, OQ compares to be a high growth portfolio, which is that ninety ten sort of split, if that makes sense. Yep. Yeah. November, December is when the the been long sort of occurred. They have, like, in the newsletters, addressed it in terms of, like, the what has been occurring and the call if you had any concerns regarding. I'm not too sure if you're receiving the monthly newsletter. You're not receiving as much out of it as you feel like you you maybe should given the circumstances? Yeah. And so sorry if it wasn't sort of explained when you first came on, like, how it sort of generally so when you first come on board, they generally ask, like, if you want sort of yearly reviews quarterly, those sort of things, because super is a long term game. Like, if you were chopping and changing quite regularly, you'd be day trading, which isn't something you really wanna do with super. Now, obviously, in regards to something so significant in a portion being in your portfolio, it probably should have been, like, reviewed given your time on board maybe a little bit earlier in saying that once this sort of dip does occur, you've already already made the loss in, like, the selling low, buying high is never sort of ideal unless it's sort of extenuating circumstances. Now as a review of the Bennelong and what did occur, they are moving away from Bennelong in terms of, like, future investments, updates, and things like that as well. Now within regards to your portfolio, it could have potentially been reviewed and updated earlier, and it may have sort of whether that a little bit better, not to say that it would have been sold out of Ben Long entirely, but given your allocation to that active management, as I'm saying previously, when you first came on board, it does carry a higher amount of risk having active versus, like, a passive management. Even within the high growth, you can be completely passive or active. And then with the passive, obviously, you're tracking the market. You still have the same allocation of those growth assets, so a similar potential for growth. But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners. And, obviously, Benelon hasn't done that, and you do have quite an allocation to that. So if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much versus, like oh, yeah. Sorry. Yeah. And And with that, though, with what did occur with the Ben Long Fund, it was like sort of once the announcement was waived, it lost that quite quickly in a sense that it only took a few days for them to take that significant hit, and it's just been sort of hovering around where it has been. So even if we called you the day after, sort of like it did happen all the week after, it would be a similar sort of position whether we look to update it or hold for a little bit longer to see if it recoups some of those tips in the market. And then, obviously, the war in Iran has sort of been, you know, playing a little bit of role with volatilities in the market as well. If it was sort of in regards to the fund wasn't performing or negatively performing just based on, like, market metrics, it would have been likely picked up sooner and just sort of removed entirely. Benelon itself wasn't sort of performing horrendously, like, leading up to that point. It was just sort of that was a catalyst where there were funds that sort of potentially may have been performing better. It maybe should have been, like, reviewed just to see if it was up to date. And then if there were sort of any changes that need to be made and maybe having a discussion with you around the allocations and the weightings to that active fund. And I'm sorry if that wasn't sort of explained to you, like, clearly sort of previously. Yeah. Yep. So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls. Because, obviously, when you came on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover. The war and tariff talk at the start of last year caused a significant stop like, dropping your superannuation, much like everyone else, which was sort of occurring, with the market volatility. It did recover sort of nicely from that. And then following that, that Benelon announcement and the wars in Iran there as well, it has not only from the Benelon, but then that taken a bit of a dive there as well. So I can email you a copy of the account snapshot and then also in regards to the the asset performance over the last twelve months there as well. And I can sort of highlight sort of where things have been and where things have gone over that time you've since been on board. I can let you know from that, like, projections table. Then with that, you sort of with what did occur with the projections for the an average with Australian Super versus, like, the the fund that you are in, it's sort of sitting similar with the allocations. Obviously, if you were just in a high growth option within Australian super, the likelihood was you'd be slightly more exposed and have a little bit more risky exposure, but you probably would have had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform. Not too sure how much you utilize it to have a look at that. So in regards to the investment fee that comes down to the investments you hold, I can do it, email you the little projections table that shows you. So the Australian super option that it's based off, pardon me, is based off, like, a balanced growth option with the allocation that's more to sort of, what matches up with what your current portfolio was, over that that period. So I can show you what that looks like in terms of the the the returns and what that sort of may have looked like, but in saying that you may have been or chosen a high growth option just with an Australian super, which may, as I said, had a higher allocation. You might have got some high returns. The adviser fee itself is 1.65%. So that's based on balance. There's a monthly charge fee in terms of, like, it comes out monthly. It's based on percentage balance at that time. So as the markets do fluctuate, obviously, the fee does fluctuate a little bit there as well in terms of, like, what is going on with your balance. Yep. I'll pull that up in regards to that one. Bear with me. And do you want just the twelve month period, or do you want, like, the last financial year? Bear with me. Sorry. It's just loading up. So from the 2024 to the 2025, it works out to be around the 1,700 in terms of, like, what it worked out to be, the 1.65 of that period, which works out to be around the $1.50 ish sort of a month depending on what the balance sort of rough over that that period of time. Yeah. For the for a twelve month period for last financial year. Yep. As as I said, Hina, I take no offense. I haven't obviously spoken to you previously. I dealt with your your account. So I understand if you haven't felt like you got the the most out of the service and feel a little bit disappointed. Obviously, I can pass you on to the case management team, and they can assist you in sort of the changes, the rollover sort of what that looks like, the time frames as well. If you did, yeah, if you did wanna have, like, a discussion around sort of the investments and what they're sort of sitting at, obviously, in regards to that as well, you will crystallize those losses when when moving funds. Obviously, if you're happy to sort of accept those losses and just move on there as well, it's just something to be aware of with that loss that did occur in Ben Long. It could be carried forward or you could sort of, you know, recoup some of those losses. So waiting for that investment, but, obviously, waste as in a company, we're moving away from Bennelong itself anyway. We're just utilizing those carry forward losses, which is something to be mindful of. Yep. So, realistically, once you like, just as a brief rundown, if you were to sort of find, you know, the fund you were happy with, open up an account with them, you can just request the rollover through that. We can liaise with you within regards to how long that would sort of take. It will take a little bit given that been a long do have to deal with the underlying investment and selling of that down and sort of giving you a fair market value for that at the time given that they'll put on that trading halt, which may sort of take two to three weeks to sell down to that cash portion. Following that, you don't have any current insurances, so that's fine in sense that you don't have to change any payment options for that. Whether or not you look to get some sort of group or re retail cover in the future, The group cover might be available in a default option for opening up the superannuation fund, which is sort of things you can have a think about. And then if you were to get retail cover in the future, it would just be based on your your new account there as well. But do you have any questions that I haven't answered today there, Hina, that you sort of wanna have a discussion around? Or Yep. And then with that one, so given your actual, like, performance over time, you're still up from, like, when you originally started. So the way retail funds work versus, like, industry, it's not unitized. So you still have to pay, like, CGT costs and things like that, which is why I mentioned that it's a bit different in regards to industry funds because they're unitized and it's sort of built into those prices there as well. So you will probably still likely have a CGT in terms of the cost, but then, obviously, given that Benelon went backwards so heavily that there would be, you know, funds there that, you know, a potential, you know, on the table still in terms of, like, if it was to to come back, it would offset the capital gains on the other investments that have performed over that period of time quite well. So you might still likely end up paying some money. So whether or not sort of if you were to move now, you'd pay, like, a smaller amount of CGT if anyone was to improve in the the future or you were to sort of stay, utilize those to change up investments to carry forward and change the the capital gains around the a portfolio update moving forward, which is something we can do for you, Hina. Like, obviously, you feel like you haven't got the the best out of the service so far, but we can sort of do and show you what an investment update might look like. It can even be sort of more passive approach for you. They also did bring out a separately managed account, which is like an SMA that they sort of do updates regularly and more sort of in line with they're able to make changes because currently, we can't make a change to your portfolio until you have the discussion, do an update, things like that, which falls, like, every 12 months on your annual review the way it was set up previously. Now what you got out of those annual reviews previously, I can't sort of say because I didn't complete them. But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur. With moving funds and selling down to cash, you are selling out of the market as well, and there's sort of never a right or wrong time unless you're trying to time the market. Now the risk is is that if you were to sell down to cash and the markets were to sort of jump back up, given what is happening in the markets at the moment with the the war in Iran, those are potential losses you'd be leaving on the table versus if it was to go down, you'd sort of get the benefit of buying in lower with your money because it's sold down to cash prior to the price dropping with investments. But there's no sort of way to time that with what's going on just given the fact that I can't tell what Donald Trump's gonna do tomorrow, let alone what he's done previously. It's hard to wrap your head around sort of thing. So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment versus, like, the capital gains is something you can calculate and what the liability would be and what you'd be sort of paying to move your funds out, if that makes sense. Yep. Yep. Because depending on your time today, I can run through, like, a bit of your your goals, what you're trying to achieve and sort of, you know, start afresh, like, as a blank slate sort of thing and just do the interview now, let you know where things are at, update your details, do a risk profile with you. And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have. And then also with that, we can sort of let you know what the current CGT is and what that looks like. And then whether or not you utilize that to just, you know, see what you'd be paying to move your funds out or whether or not you wanna do stay on and look at updating your portfolio and maybe taking advantage of the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright. The performance is alright this year and then moving on. Okay. Through really quickly. I'll just confirm details, do some goals to risk profile. It might take an extra sort of fifteen minutes if we go quickly. Okay. Not a problem at all. So I'll just go through and confirm all your details there, Hina. In regards to your address, that's all the same. Email's still hikar oh,ininako.f@iCloud.com? Perfect. And I've got your defacto partner here as an extra kin, but no details or anything. Did you wanna put down an extra kin, or are you happy just to leave that blank for now? Not a problem. And then in regards to your current work, are you still working for NDIS? Yep. And then are you still majority seeing clients? Do you do, like, sort of office based work at all? Yep. And I know that's considered self employed. Are you, like, considered a sole trader? Yep. Perfect. And at the moment, how many hours per week are you doing? Anything else? And is that, like, permanent part time or just, like, casual work or, like like, you don't have any set contracts you do with them per hours per week? You just sort of manage it yourself totally? Yep. So it's money for the set hours. You sort of still manage it yourself. And as far as your income per annum, do you know based on the hours you're doing per week what that sort of looks like? Yep. And then with in regards to that one, are you still planning on making your super contributions that you were previously? Yep. Not a problem. And then based on your income at the moment, has your sort of savings goals per week or your expenditure changed at all per week that you know? Yep. And then roughly sort of weekly, how much do you reckon you sort of, like, using per week in regards to expenditure as a household of individually? Yep. And roughly sort of how much you're putting away towards, like, your your savings each week as a goal? Perfect. And then as far as, like, any other contributions you plan on making, you're happy just doing the amount you're doing and don't plan on making anymore? Towards, like, superannuation, any other contributions, things? Yeah. Sorry. Yeah. No problem at all. And then with your contributions, are you still just doing the non concessional and then claiming the no spend 10 at the end of the year? Do you just do that with your account and then he just settles it all for you? Yep. Not a problem. And then as far as your primary mortgage there with your parents living there, I believe, do you know roughly what that's sitting at at the moment? $6.80. And is that earned $50.50 with your sister? Yep. And then as far as your car, do you still have the the Volkswagen? Yep. Do you know is it there's nothing on that. Do you know roughly what the value of that would be at the moment? Yep. And then I've got some music equipment and contents, like, totaling around 60,000. Does that sort of sound about right, Joel? Yep. And savings is sitting around 40,000. Is that sort of roughly what you've got in savings at the moment? Yep. Not a problem. And then as far as health concern, and I hear that you're a nonsmoker. Is that still the case? And as far as any other health conditions, nothing sort of occurred in the last twelve months, knock wood? Yep. No medications, anything like that? Yeah. Not a problem. And I know you don't have a will in place. Have you got around to sort of setting up a will in the last twelve months? Yeah. No. That's fine. And as far as the goals that you are working towards there, Hina, is there anything that you're sort of trying to do at the moment apart from, like, your savings goals that you're sort of looking to achieve? Yep. And do you plan on purchasing, like, a house with your your partner that you guys will use for nothing to go? Yep. No. That's understandable. And then, yes, sort of the longer term goals there in regards to retirement. Has anything that of that sort of nature changed? Still, you know, retired around the age of 67? Yeah. Yep. And then in regards to insurances, have you had a think about those in sort of recent years not having insurance cover? Is that something you wanna review in terms of that, like looking at some Yep. And you're sort of aware of, like, the risk of not having insurance cover and just bridging the gap and being self insured or relying on any sort of Yep. Not a problem. Now we'll just jump in and do a quick risk profile there just to see how your risk tolerance has changed since we last sort of spoke there. Now have you bought any direct shares since we last spoke or spoke to us here? Yep. Not a problem. And, obviously, given your age, you're still investing that longer term. But given inflation and the way things are with the cost of living at the moment and things like that, are you still willing to accept a high amount of risk to outpace inflation and aim for higher returns? Yep. And then if your portfolio was to decrease by 20% just due to general market trends or if the water sort of was to increase, would you still, like, hold and wait, or would you wanna sell the cash and minimize some sort of losses, or would you maybe invest modestly for for growth still? Yeah. And during things like the COVID and those sort of events, like, as far as, like, investing in the the time invested, like, super sort of that, you know, ten to twenty year game of, like, investments and how they sort of track over time and having sort of high conviction through, like, downturns as well. And when there are dips in the market, obviously, Ben Long's a bit of a different sort of field there with what did occur with them. But, generally, when markets do take a dive, like things like GFCs, COVID events, and things like that, when the whole market takes a bit of a dip, for the market to never return just sort of illustrates that, you know, you probably wouldn't have to write about money at the end of the day because the world might not be around sort of thing. Like, the markets are always going to tick over. And over a long period of time, it's shown that even with those dips and events, they just end up being sort of blips on the the the scale with those Vanguard charts that over those longer period of times of, like, staying invested and holding investments, it does, like, rise. Obviously, you can sort of pick and choose a little bit and sort of have better results. And with your portfolio, since you you've been on board, you've had a bit of a a rough ride there, so I understand why you're a bit adverse to, you staying on board and having a look at things. We'll show you, obviously, a portfolio update and what that may look like, reducing some of that that risk in regards to active major risk because it is quite a high allocation that if that fund isn't performing well, your portfolio is not performing well, if that makes sense. Now we can still look to have an active portion to try and, you know, actively try and outperform the market, or we can even look at a lower cost option that is more passive indexed approach that if the markets are doing well, it's, like, cheaper and then it tracks quite well versus having an active portion that tries to actively pick winners, if that makes sense. And would you sort of wanna look at being more passively invested to reduce that level of, like, manager risk, or would you still wanna look to have a little bit of an active portion? Higher returns. Yeah. In saying that even with the the passive, you still have a similar allocation to growth assets. It just it wouldn't like, picking and choosing the winners, it just goes down to the market indexes with, like, the S and P 500, You've got 500 companies. Now if a company starts performing really well and sort of gets enough market share that ends up in the top 500, you then hold that investment. Same as if a company starts to drop off, they fall out of that 500, you no longer have it. So it's dynamic in the sense that those 500 companies still, like, change quite regularly in terms of, like, what's happening. But in saying that, they're not sort of picking and choosing winners to try and find, you know, people that have, you know, market share or undervalued, you know, things like that to where they might see greater returns or be the ones that jump up into those top 500. You may sort of hold those earlier, and those sort of the benefits of having those managed funds if the fund manager is performing quite well. But, obviously, they're a lot more volatile. They do have a lot of the ups and the downs. Even sort of with that, the passive over, you know, twenty year span versus, like, portfolio managers generally does quite well in comparison as well if you were to sort of just hold those indexes versus, you know, someone trying to do the picking and the choosing. So we'll probably look to have, like, the active portion still in there, but just not to the degree that you have currently that it is negatively affecting your portfolio when they do have those bad years, if that makes sense. Yep. Perfect. Now when your superannuation has taken a bit of a drop there, does that make you quite concerned or cautious, or is it just that you do wanna ensure that it is growing and still suitable? Yes. It's just that, yeah, what did occur with that along that you didn't feel like you were sort of properly informed with it. Yeah. No. Yeah. And I can let you know too that, obviously, it was quite a smaller company when you came on board. It has grown quite a bit, and a lot of the people that sort of, you know, were responsible for the interviews that you did receive and sort of the service that you sort of were getting for those, you know, first few years where you were sort of just it's sort of blindly trusting. You know, a lot of them aren't around anymore, and they have updated the compliance and things like that as well and beefed out the the process to ensure that it doesn't sort of keep happening. Obviously, with the Benelon that did occur with the corporate traveler, that's sort of something that was out of anyone's control. But as far as, like, the service you may not have received since being on board, that comes down to, obviously, you know, how people were handling some of your annual reviews. So I do apologize for that. We can only sort of try and change that moving forward if you did wanna stay with us. Yep. Yeah. In in saying that in terms of, like, finding a right time, obviously, if the markets were a little less volatile, would probably be ideal in the sense that you won't get those, like, spikes or dips to where you could, like, lose out potentially. As far as, like, the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing. They haven't really sort of seen much sort of recovery in terms of, like, the dip that did occur, like, sort of hovering at the same amount. So in terms of, like, the CGT amount, it would just offset the the sale of the other assets selling down to cash and moving across Australian super. And then you'd just sort of be you know, there's no sort of timeline on when the the wars are gonna stop, which are sort of, you know, quite drivers in what's the volatility of the market and uncertainty, which has spiked, like, quite recently. So that's, like, the just the level of risk you'd be taking if you were to sort of roll out, now given that the time frames are selling down to cash and things like that as well. Yeah. And as I did say as well, Ben, like, as a business decision, I'm moving away from Ben Long as well, which would be a part of, like, the updates. To monitor, like, what's going on, there's a thing called the the VIX index, like v I x, and it just sort of shows you the basically, what the markets are doing and, like, the volatility and expected sort of volatility in the the markets and what that sort of looks like. Yeah. Yeah. A few, like, people have chosen to sort of hold it. Obviously, in regards to an investment, if they lose sort of conviction, how it's gonna perform long term, it's like, is it worth waiting to see how they recover, or is it worth just being in something else that you know is gonna be performing better? Because you still could wait another three or so months for Benelung to try and sort of recoup some of those losses versus just, you know, taking the loss offsetting some of that capital gains and then just being an investment that is sort of performing and getting the return. Even though you might be selling long, buying high, which is a bit of, like, you know, the cardinal sin, it's one of those things that it's is it worth sort of being on the the ship that may still be sinking, or is it worth just going on someone that is you know, you've got conviction in long term again that you're sort of hoping we'll just get those those long term returns? Because as you said, you still got plenty of time on your side in terms of, like, your superannuation and, like, you know, recovering from, like, what has occurred in the the last sort of four months there with the. But in saying that it's just, yeah, one of those unfortunate things with the amount that you did lose in terms of a dollar figure. But, yeah, moving forward, we'd probably look to changing it up if you were comfortable just using that to offset it. So if you were still thinking about, like, I've just you know, I don't feel like I'm getting them much out of the service and not utilizing it to what I'm sort of paying, then you can sort of just look at doing it when you're you're comfortable. But, yeah, there is a high amount of volatility in the market at the moment, which could it could mean that you could sort of make money in the sense that if you sold the cash and then the markets took a dip and you're buying into Australian Super at the dip, it would benefit you. But if it goes the other way and the market sort of do do a little bit of a jump in that period, when you have sold the cash, you just miss out on those potential gains as well, which unless they're sort of significant and significant, it's not sort of crazy. And that market may be a few percent over a couple of weeks that you might miss out on if it was to sort of go up in that that time frame versus, like, the the the CGT cost that you would be paying is sort of gonna be roughly the same depending on how your portfolio does perform. So we can get you the the CGT that's liable at the moment and what that might look at. And I can just email you a document. If you wanna sort of look at moving on, that's perfectly fine. I can just refer you on to the the case management department. They can sort of answer any other questions you have and the the process and assist you if you'd like to go that way, or we can just show you sort of what an investment update might look like. And then if you're happy with that and staying on board. Yeah. I'll put the reports together in terms of, like, what you requested. I'll give you the the capital gains that's liable at the the moment and what that might look like. And then also just that little comparison to, like, as I said, it's quite a bit lower in terms of, like, the the option for Australian Super that's comparing to based on, like, the asset allocation. Obviously, like, being in their high growth is a bit more aggressively invested, which is why it sort of has gotten those higher rolling average returns, which is fine. It's probably the one you may have picked anywhere. That's something to just be mindful of as well that it would be, slightly more exposed in, like, your your current portfolio there as well. But do you have any other questions for me there, Hina, in regards to to any of that? Yep. Do do you feel like at least obviously, you're still kind of disappointed in what has occurred, but do you feel like you wanna make sort of a a complaint that's addressed further, or do you feel like you've at least gotten an answer of what has occurred based on this phone call and are happy just to receive the information? Or Yeah. Yes. Yep. And if you'd still like to to raise that as a complaint to like, obviously, I am just one of the newer financial advisers that so within regards that, if you feel like you haven't been, like, receiving the service and would like to escalate that, I can pass it on to, like, our complaints department in terms of, like, what has occurred, and they can just sort of review that and see where things are at. Okay. That's not a problem, Nina. Well, all I can do is apologize for, you know, what what did occur there. I'll get you all those reports. If you feel like you still just wanna roll out, just feel free to let me know, and I'll just refer you on to that that case management department that can assist you in that. Otherwise, if you do wanna look at what the update might look like, I'll hold on for now just until you sort of make a decision, but then I can just make a a note and get that started, that process if you do wanna look like what a a portfolio update might look like. Okay. Well, with that one, just I'll get them to do the research. I'll sort of put it to the top of the the pile for you, and it may still take a little bit then to to get the report and everything together because we'd put it together in a statement of advice. We wouldn't just sort of give you, like, a a portfolio just to show you what that might look like. We'll just do it based on the portfolio update because you don't really wanna address any other goals at this stage. And then I'll hopefully sort of get to that as quick as possible and get that through for you. And then, yeah, from there, you'll have all your reports. You'll have the what the update looks like. And then if you feel like you still wanna move on, that's more than more than fine. No problem, Hina. Was there anything else you wanna have a chat about or anything you feel like I have an answer there for you today? No problem. Well, again, apologies, Hina, but, obviously, I'll try and sort of get on to this and get this sorted to show you what that might look like moving forward. Otherwise, you enjoy the rest of your day. Thanks for your time. I know it was a bit long winded for you. No problem, Hannah. Thank you. 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Hannah. It's Carl calling from Ophi Financial. How are you today? Yeah. Not too bad at all.\n\nThank you for asking. Now I had you scheduled in just following a conversation with one of my colleagues regarding your performance. Just having a conversation around that this morning. Perfect. Just to get started on that one here, if I could just pass you through security with that name, date of birth, and card notice, we can get started on that today.\n\nYeah. Address. Thanks. Sorry. Perfect.\n\nThank you for that one. Definitely. No. These calls are recorded for quality and training purposes there now as well, if you're okay with that one. Now I know you didn't do your annual review with me.\n\nI think believe it was my colleague, Dana, the end of last year. You originally had your annual review regarding that one and the original performance of that. Now I don't have the performances she sent through to that, but I did draw up just some projections based on what my colleague said the other day when you're booking in just regarding how everything went and sort of just being in an industry fund there as well. Let me just double check your account. So I believe it was twenty ninth to seventh with an annual review is conducted.\n\nSo I believe it was probably sent via DocuSign when you did your initial. It should have the twelve month performance at that point. Obviously, I can let you know the performance sort of based on the twelve months from as at today's date and how that sort of looks and what has occurred. Now I'm not too sure how it's explained to you regarding what happened at the end of last year. So when you originally came on board, I'm not too sure who you sort of spoke to or when they originally sort of made the portfolio for you, but you do have quite an allocation, like a high allocation to Benelon, an actively managed fund.\n\nNow Yep. And we sort of hold no. It will. Obviously, you haven't spoken to me before, so I have no issues whether if you chose industry fund over us or our service. As I said, like, I'm can't pertain to what service you have received since being on board.\n\nObviously, if you were to, you know, say, we would, as you said, look to update the portfolio. I myself wouldn't put such a high allocation to one managed fund with that because you do have 30% of your current portfolio in Ben Long. And as a result of that, I'm not too sure if they explained to you that they have an underlying investment called corporate traveler. Now that investment was done for not reporting correctly. Their accounting was not sorta up to scratch.\n\nAnd as a result of that, they'll put a a trading hold. And then Benelongs had to reevaluate that stock. As a result of that as well, people have sort of lost consumer confidence in the the Benelong fund itself, you know, not monitoring their investments or seeing any sort of signs that that may be the case with that. I mean, because it's such a high allocation to your fund, when that went back by 20% there, it did cause a significant dip in your value, which is the result of why it's sort of gone backwards so much in the past three months there in conjunction with, obviously, the wars going on in Iran and everything as well that has sort of had a bit of a negative impact on superannuation, if that makes sense. But, yeah, from your your phone call, obviously, since being on board, you know, coming on sort of the back end of COVID, the markets are a little bit rough there as well, and then the recovery from that.\n\nAnd then with that and then the last dip, yeah, it was sitting around, like, a 4% return year on year as, like, a rolling average as, like, a percentage return to the five year rolling averages compared to, like, Australian super. So five year rolling average for the fund that you're currently in is about 8.58%. And then the five rolling average for an Australian super with a similar sort of allocation to pardon? Yeah. In in terms of that and what sort of do and then you obviously do have in regards to that the the adviser fee for the service you do pay and the other services you do have access to in regards to that.\n\nNow with that as well, with the Australian Super, when it does say the high growth there as well, generally, the allocations to growth assets are quite a bit higher. So in saying that if you match up what sort of we've got invested in a high growth in line with Oakview's philosophy compared to, like, the Australian super equivalent, I think the returns are sitting closer to sort of, like, a 7.62 with the growth of defensive asset allocations. Obviously, they're both named high growth, so it would be closer to what you you said, but in saying that they do have a higher allocation in those funds to what, like, OQ compares to be a high growth portfolio, which is that ninety ten sort of split, if that makes sense. Yep. Yeah.\n\nNovember, December is when the the been long sort of occurred. They have, like, in the newsletters, addressed it in terms of, like, the what has been occurring and the call if you had any concerns regarding. I'm not too sure if you're receiving the monthly newsletter. You're not receiving as much out of it as you feel like you you maybe should given the circumstances? Yeah.\n\nAnd so sorry if it wasn't sort of explained when you first came on, like, how it sort of generally so when you first come on board, they generally ask, like, if you want sort of yearly reviews quarterly, those sort of things, because super is a long term game. Like, if you were chopping and changing quite regularly, you'd be day trading, which isn't something you really wanna do with super. Now, obviously, in regards to something so significant in a portion being in your portfolio, it probably should have been, like, reviewed given your time on board maybe a little bit earlier in saying that once this sort of dip does occur, you've already already made the loss in, like, the selling low, buying high is never sort of ideal unless it's sort of extenuating circumstances. Now as a review of the Bennelong and what did occur, they are moving away from Bennelong in terms of, like, future investments, updates, and things like that as well. Now within regards to your portfolio, it could have potentially been reviewed and updated earlier, and it may have sort of whether that a little bit better, not to say that it would have been sold out of Ben Long entirely, but given your allocation to that active management, as I'm saying previously, when you first came on board, it does carry a higher amount of risk having active versus, like, a passive management.\n\nEven within the high growth, you can be completely passive or active. And then with the passive, obviously, you're tracking the market. You still have the same allocation of those growth assets, so a similar potential for growth. But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners. And, obviously, Benelon hasn't done that, and you do have quite an allocation to that.\n\nSo if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much versus, like oh, yeah. Sorry. Yeah. And And with that, though, with what did occur with the Ben Long Fund, it was like sort of once the announcement was waived, it lost that quite quickly in a sense that it only took a few days for them to take that significant hit, and it's just been sort of hovering around where it has been. So even if we called you the day after, sort of like it did happen all the week after, it would be a similar sort of position whether we look to update it or hold for a little bit longer to see if it recoups some of those tips in the market.\n\nAnd then, obviously, the war in Iran has sort of been, you know, playing a little bit of role with volatilities in the market as well. If it was sort of in regards to the fund wasn't performing or negatively performing just based on, like, market metrics, it would have been likely picked up sooner and just sort of removed entirely. Benelon itself wasn't sort of performing horrendously, like, leading up to that point. It was just sort of that was a catalyst where there were funds that sort of potentially may have been performing better. It maybe should have been, like, reviewed just to see if it was up to date.\n\nAnd then if there were sort of any changes that need to be made and maybe having a discussion with you around the allocations and the weightings to that active fund. And I'm sorry if that wasn't sort of explained to you, like, clearly sort of previously. Yeah. Yep. So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls.\n\nBecause, obviously, when you came on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover. The war and tariff talk at the start of last year caused a significant stop like, dropping your superannuation, much like everyone else, which was sort of occurring, with the market volatility. It did recover sort of nicely from that. And then following that, that Benelon announcement and the wars in Iran there as well, it has not only from the Benelon, but then that taken a bit of a dive there as well. So I can email you a copy of the account snapshot and then also in regards to the the asset performance over the last twelve months there as well.\n\nAnd I can sort of highlight sort of where things have been and where things have gone over that time you've since been on board. I can let you know from that, like, projections table. Then with that, you sort of with what did occur with the projections for the an average with Australian Super versus, like, the the fund that you are in, it's sort of sitting similar with the allocations. Obviously, if you were just in a high growth option within Australian super, the likelihood was you'd be slightly more exposed and have a little bit more risky exposure, but you probably would have had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform. Not too sure how much you utilize it to have a look at that.\n\nSo in regards to the investment fee that comes down to the investments you hold, I can do it, email you the little projections table that shows you. So the Australian super option that it's based off, pardon me, is based off, like, a balanced growth option with the allocation that's more to sort of, what matches up with what your current portfolio was, over that that period. So I can show you what that looks like in terms of the the the returns and what that sort of may have looked like, but in saying that you may have been or chosen a high growth option just with an Australian super, which may, as I said, had a higher allocation. You might have got some high returns. The adviser fee itself is 1.65%.\n\nSo that's based on balance. There's a monthly charge fee in terms of, like, it comes out monthly. It's based on percentage balance at that time. So as the markets do fluctuate, obviously, the fee does fluctuate a little bit there as well in terms of, like, what is going on with your balance. Yep.\n\nI'll pull that up in regards to that one. Bear with me. And do you want just the twelve month period, or do you want, like, the last financial year? Bear with me. Sorry.\n\nIt's just loading up. So from the 2024 to the 2025, it works out to be around the 1,700 in terms of, like, what it worked out to be, the 1.65 of that period, which works out to be around the $1.50 ish sort of a month depending on what the balance sort of rough over that that period of time. Yeah. For the for a twelve month period for last financial year. Yep.\n\nAs as I said, Hina, I take no offense. I haven't obviously spoken to you previously. I dealt with your your account. So I understand if you haven't felt like you got the the most out of the service and feel a little bit disappointed. Obviously, I can pass you on to the case management team, and they can assist you in sort of the changes, the rollover sort of what that looks like, the time frames as well.\n\nIf you did, yeah, if you did wanna have, like, a discussion around sort of the investments and what they're sort of sitting at, obviously, in regards to that as well, you will crystallize those losses when when moving funds. Obviously, if you're happy to sort of accept those losses and just move on there as well, it's just something to be aware of with that loss that did occur in Ben Long. It could be carried forward or you could sort of, you know, recoup some of those losses. So waiting for that investment, but, obviously, waste as in a company, we're moving away from Bennelong itself anyway. We're just utilizing those carry forward losses, which is something to be mindful of.\n\nYep. So, realistically, once you like, just as a brief rundown, if you were to sort of find, you know, the fund you were happy with, open up an account with them, you can just request the rollover through that. We can liaise with you within regards to how long that would sort of take. It will take a little bit given that been a long do have to deal with the underlying investment and selling of that down and sort of giving you a fair market value for that at the time given that they'll put on that trading halt, which may sort of take two to three weeks to sell down to that cash portion. Following that, you don't have any current insurances, so that's fine in sense that you don't have to change any payment options for that.\n\nWhether or not you look to get some sort of group or re retail cover in the future, The group cover might be available in a default option for opening up the superannuation fund, which is sort of things you can have a think about. And then if you were to get retail cover in the future, it would just be based on your your new account there as well. But do you have any questions that I haven't answered today there, Hina, that you sort of wanna have a discussion around? Or Yep. And then with that one, so given your actual, like, performance over time, you're still up from, like, when you originally started.\n\nSo the way retail funds work versus, like, industry, it's not unitized. So you still have to pay, like, CGT costs and things like that, which is why I mentioned that it's a bit different in regards to industry funds because they're unitized and it's sort of built into those prices there as well. So you will probably still likely have a CGT in terms of the cost, but then, obviously, given that Benelon went backwards so heavily that there would be, you know, funds there that, you know, a potential, you know, on the table still in terms of, like, if it was to to come back, it would offset the capital gains on the other investments that have performed over that period of time quite well. So you might still likely end up paying some money. So whether or not sort of if you were to move now, you'd pay, like, a smaller amount of CGT if anyone was to improve in the the future or you were to sort of stay, utilize those to change up investments to carry forward and change the the capital gains around the a portfolio update moving forward, which is something we can do for you, Hina.\n\nLike, obviously, you feel like you haven't got the the best out of the service so far, but we can sort of do and show you what an investment update might look like. It can even be sort of more passive approach for you. They also did bring out a separately managed account, which is like an SMA that they sort of do updates regularly and more sort of in line with they're able to make changes because currently, we can't make a change to your portfolio until you have the discussion, do an update, things like that, which falls, like, every 12 months on your annual review the way it was set up previously. Now what you got out of those annual reviews previously, I can't sort of say because I didn't complete them. But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur.\n\nWith moving funds and selling down to cash, you are selling out of the market as well, and there's sort of never a right or wrong time unless you're trying to time the market. Now the risk is is that if you were to sell down to cash and the markets were to sort of jump back up, given what is happening in the markets at the moment with the the war in Iran, those are potential losses you'd be leaving on the table versus if it was to go down, you'd sort of get the benefit of buying in lower with your money because it's sold down to cash prior to the price dropping with investments. But there's no sort of way to time that with what's going on just given the fact that I can't tell what Donald Trump's gonna do tomorrow, let alone what he's done previously. It's hard to wrap your head around sort of thing. So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment versus, like, the capital gains is something you can calculate and what the liability would be and what you'd be sort of paying to move your funds out, if that makes sense.\n\nYep. Yep. Because depending on your time today, I can run through, like, a bit of your your goals, what you're trying to achieve and sort of, you know, start afresh, like, as a blank slate sort of thing and just do the interview now, let you know where things are at, update your details, do a risk profile with you. And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have. And then also with that, we can sort of let you know what the current CGT is and what that looks like.\n\nAnd then whether or not you utilize that to just, you know, see what you'd be paying to move your funds out or whether or not you wanna do stay on and look at updating your portfolio and maybe taking advantage of the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright. The performance is alright this year and then moving on. Okay. Through really quickly. I'll just confirm details, do some goals to risk profile.\n\nIt might take an extra sort of fifteen minutes if we go quickly. Okay. Not a problem at all. So I'll just go through and confirm all your details there, Hina. In regards to your address, that's all the same.\n\nEmail's still hikar oh,ininako.f@iCloud.com? Perfect. And I've got your defacto partner here as an extra kin, but no details or anything. Did you wanna put down an extra kin, or are you happy just to leave that blank for now? Not a problem.\n\nAnd then in regards to your current work, are you still working for NDIS? Yep. And then are you still majority seeing clients? Do you do, like, sort of office based work at all? Yep.\n\nAnd I know that's considered self employed. Are you, like, considered a sole trader? Yep. Perfect. And at the moment, how many hours per week are you doing?\n\nAnything else? And is that, like, permanent part time or just, like, casual work or, like like, you don't have any set contracts you do with them per hours per week? You just sort of manage it yourself totally? Yep. So it's money for the set hours.\n\nYou sort of still manage it yourself. And as far as your income per annum, do you know based on the hours you're doing per week what that sort of looks like? Yep. And then with in regards to that one, are you still planning on making your super contributions that you were previously? Yep.\n\nNot a problem. And then based on your income at the moment, has your sort of savings goals per week or your expenditure changed at all per week that you know? Yep. And then roughly sort of weekly, how much do you reckon you sort of, like, using per week in regards to expenditure as a household of individually? Yep.\n\nAnd roughly sort of how much you're putting away towards, like, your your savings each week as a goal? Perfect. And then as far as, like, any other contributions you plan on making, you're happy just doing the amount you're doing and don't plan on making anymore? Towards, like, superannuation, any other contributions, things? Yeah.\n\nSorry. Yeah. No problem at all. And then with your contributions, are you still just doing the non concessional and then claiming the no spend 10 at the end of the year? Do you just do that with your account and then he just settles it all for you?\n\nYep. Not a problem. And then as far as your primary mortgage there with your parents living there, I believe, do you know roughly what that's sitting at at the moment? $6.80. And is that earned $50.50 with your sister?\n\nYep. And then as far as your car, do you still have the the Volkswagen? Yep. Do you know is it there's nothing on that. Do you know roughly what the value of that would be at the moment?\n\nYep. And then I've got some music equipment and contents, like, totaling around 60,000. Does that sort of sound about right, Joel? Yep. And savings is sitting around 40,000.\n\nIs that sort of roughly what you've got in savings at the moment? Yep. Not a problem. And then as far as health concern, and I hear that you're a nonsmoker. Is that still the case?\n\nAnd as far as any other health conditions, nothing sort of occurred in the last twelve months, knock wood? Yep. No medications, anything like that? Yeah. Not a problem.\n\nAnd I know you don't have a will in place. Have you got around to sort of setting up a will in the last twelve months? Yeah. No. That's fine.\n\nAnd as far as the goals that you are working towards there, Hina, is there anything that you're sort of trying to do at the moment apart from, like, your savings goals that you're sort of looking to achieve? Yep. And do you plan on purchasing, like, a house with your your partner that you guys will use for nothing to go? Yep. No.\n\nThat's understandable. And then, yes, sort of the longer term goals there in regards to retirement. Has anything that of that sort of nature changed? Still, you know, retired around the age of 67? Yeah.\n\nYep. And then in regards to insurances, have you had a think about those in sort of recent years not having insurance cover? Is that something you wanna review in terms of that, like looking at some Yep. And you're sort of aware of, like, the risk of not having insurance cover and just bridging the gap and being self insured or relying on any sort of Yep. Not a problem.\n\nNow we'll just jump in and do a quick risk profile there just to see how your risk tolerance has changed since we last sort of spoke there. Now have you bought any direct shares since we last spoke or spoke to us here? Yep. Not a problem. And, obviously, given your age, you're still investing that longer term.\n\nBut given inflation and the way things are with the cost of living at the moment and things like that, are you still willing to accept a high amount of risk to outpace inflation and aim for higher returns? Yep. And then if your portfolio was to decrease by 20% just due to general market trends or if the water sort of was to increase, would you still, like, hold and wait, or would you wanna sell the cash and minimize some sort of losses, or would you maybe invest modestly for for growth still? Yeah. And during things like the COVID and those sort of events, like, as far as, like, investing in the the time invested, like, super sort of that, you know, ten to twenty year game of, like, investments and how they sort of track over time and having sort of high conviction through, like, downturns as well.\n\nAnd when there are dips in the market, obviously, Ben Long's a bit of a different sort of field there with what did occur with them. But, generally, when markets do take a dive, like things like GFCs, COVID events, and things like that, when the whole market takes a bit of a dip, for the market to never return just sort of illustrates that, you know, you probably wouldn't have to write about money at the end of the day because the world might not be around sort of thing. Like, the markets are always going to tick over. And over a long period of time, it's shown that even with those dips and events, they just end up being sort of blips on the the the scale with those Vanguard charts that over those longer period of times of, like, staying invested and holding investments, it does, like, rise. Obviously, you can sort of pick and choose a little bit and sort of have better results.\n\nAnd with your portfolio, since you you've been on board, you've had a bit of a a rough ride there, so I understand why you're a bit adverse to, you staying on board and having a look at things. We'll show you, obviously, a portfolio update and what that may look like, reducing some of that that risk in regards to active major risk because it is quite a high allocation that if that fund isn't performing well, your portfolio is not performing well, if that makes sense. Now we can still look to have an active portion to try and, you know, actively try and outperform the market, or we can even look at a lower cost option that is more passive indexed approach that if the markets are doing well, it's, like, cheaper and then it tracks quite well versus having an active portion that tries to actively pick winners, if that makes sense. And would you sort of wanna look at being more passively invested to reduce that level of, like, manager risk, or would you still wanna look to have a little bit of an active portion? Higher returns.\n\nYeah. In saying that even with the the passive, you still have a similar allocation to growth assets. It just it wouldn't like, picking and choosing the winners, it just goes down to the market indexes with, like, the S and P 500, You've got 500 companies. Now if a company starts performing really well and sort of gets enough market share that ends up in the top 500, you then hold that investment. Same as if a company starts to drop off, they fall out of that 500, you no longer have it.\n\nSo it's dynamic in the sense that those 500 companies still, like, change quite regularly in terms of, like, what's happening. But in saying that, they're not sort of picking and choosing winners to try and find, you know, people that have, you know, market share or undervalued, you know, things like that to where they might see greater returns or be the ones that jump up into those top 500. You may sort of hold those earlier, and those sort of the benefits of having those managed funds if the fund manager is performing quite well. But, obviously, they're a lot more volatile. They do have a lot of the ups and the downs.\n\nEven sort of with that, the passive over, you know, twenty year span versus, like, portfolio managers generally does quite well in comparison as well if you were to sort of just hold those indexes versus, you know, someone trying to do the picking and the choosing. So we'll probably look to have, like, the active portion still in there, but just not to the degree that you have currently that it is negatively affecting your portfolio when they do have those bad years, if that makes sense. Yep. Perfect. Now when your superannuation has taken a bit of a drop there, does that make you quite concerned or cautious, or is it just that you do wanna ensure that it is growing and still suitable?\n\nYes. It's just that, yeah, what did occur with that along that you didn't feel like you were sort of properly informed with it. Yeah. No. Yeah.\n\nAnd I can let you know too that, obviously, it was quite a smaller company when you came on board. It has grown quite a bit, and a lot of the people that sort of, you know, were responsible for the interviews that you did receive and sort of the service that you sort of were getting for those, you know, first few years where you were sort of just it's sort of blindly trusting. You know, a lot of them aren't around anymore, and they have updated the compliance and things like that as well and beefed out the the process to ensure that it doesn't sort of keep happening. Obviously, with the Benelon that did occur with the corporate traveler, that's sort of something that was out of anyone's control. But as far as, like, the service you may not have received since being on board, that comes down to, obviously, you know, how people were handling some of your annual reviews.\n\nSo I do apologize for that. We can only sort of try and change that moving forward if you did wanna stay with us. Yep. Yeah. In in saying that in terms of, like, finding a right time, obviously, if the markets were a little less volatile, would probably be ideal in the sense that you won't get those, like, spikes or dips to where you could, like, lose out potentially.\n\nAs far as, like, the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing. They haven't really sort of seen much sort of recovery in terms of, like, the dip that did occur, like, sort of hovering at the same amount. So in terms of, like, the CGT amount, it would just offset the the sale of the other assets selling down to cash and moving across Australian super. And then you'd just sort of be you know, there's no sort of timeline on when the the wars are gonna stop, which are sort of, you know, quite drivers in what's the volatility of the market and uncertainty, which has spiked, like, quite recently. So that's, like, the just the level of risk you'd be taking if you were to sort of roll out, now given that the time frames are selling down to cash and things like that as well.\n\nYeah. And as I did say as well, Ben, like, as a business decision, I'm moving away from Ben Long as well, which would be a part of, like, the updates. To monitor, like, what's going on, there's a thing called the the VIX index, like v I x, and it just sort of shows you the basically, what the markets are doing and, like, the volatility and expected sort of volatility in the the markets and what that sort of looks like. Yeah. Yeah.\n\nA few, like, people have chosen to sort of hold it. Obviously, in regards to an investment, if they lose sort of conviction, how it's gonna perform long term, it's like, is it worth waiting to see how they recover, or is it worth just being in something else that you know is gonna be performing better? Because you still could wait another three or so months for Benelung to try and sort of recoup some of those losses versus just, you know, taking the loss offsetting some of that capital gains and then just being an investment that is sort of performing and getting the return. Even though you might be selling long, buying high, which is a bit of, like, you know, the cardinal sin, it's one of those things that it's is it worth sort of being on the the ship that may still be sinking, or is it worth just going on someone that is you know, you've got conviction in long term again that you're sort of hoping we'll just get those those long term returns? Because as you said, you still got plenty of time on your side in terms of, like, your superannuation and, like, you know, recovering from, like, what has occurred in the the last sort of four months there with the.\n\nBut in saying that it's just, yeah, one of those unfortunate things with the amount that you did lose in terms of a dollar figure. But, yeah, moving forward, we'd probably look to changing it up if you were comfortable just using that to offset it. So if you were still thinking about, like, I've just you know, I don't feel like I'm getting them much out of the service and not utilizing it to what I'm sort of paying, then you can sort of just look at doing it when you're you're comfortable. But, yeah, there is a high amount of volatility in the market at the moment, which could it could mean that you could sort of make money in the sense that if you sold the cash and then the markets took a dip and you're buying into Australian Super at the dip, it would benefit you. But if it goes the other way and the market sort of do do a little bit of a jump in that period, when you have sold the cash, you just miss out on those potential gains as well, which unless they're sort of significant and significant, it's not sort of crazy.\n\nAnd that market may be a few percent over a couple of weeks that you might miss out on if it was to sort of go up in that that time frame versus, like, the the the CGT cost that you would be paying is sort of gonna be roughly the same depending on how your portfolio does perform. So we can get you the the CGT that's liable at the moment and what that might look at. And I can just email you a document. If you wanna sort of look at moving on, that's perfectly fine. I can just refer you on to the the case management department.\n\nThey can sort of answer any other questions you have and the the process and assist you if you'd like to go that way, or we can just show you sort of what an investment update might look like. And then if you're happy with that and staying on board. Yeah. I'll put the reports together in terms of, like, what you requested. I'll give you the the capital gains that's liable at the the moment and what that might look like.\n\nAnd then also just that little comparison to, like, as I said, it's quite a bit lower in terms of, like, the the option for Australian Super that's comparing to based on, like, the asset allocation. Obviously, like, being in their high growth is a bit more aggressively invested, which is why it sort of has gotten those higher rolling average returns, which is fine. It's probably the one you may have picked anywhere. That's something to just be mindful of as well that it would be, slightly more exposed in, like, your your current portfolio there as well. But do you have any other questions for me there, Hina, in regards to to any of that?\n\nYep. Do do you feel like at least obviously, you're still kind of disappointed in what has occurred, but do you feel like you wanna make sort of a a complaint that's addressed further, or do you feel like you've at least gotten an answer of what has occurred based on this phone call and are happy just to receive the information? Or Yeah. Yes. Yep.\n\nAnd if you'd still like to to raise that as a complaint to like, obviously, I am just one of the newer financial advisers that so within regards that, if you feel like you haven't been, like, receiving the service and would like to escalate that, I can pass it on to, like, our complaints department in terms of, like, what has occurred, and they can just sort of review that and see where things are at. Okay. That's not a problem, Nina. Well, all I can do is apologize for, you know, what what did occur there. I'll get you all those reports.\n\nIf you feel like you still just wanna roll out, just feel free to let me know, and I'll just refer you on to that that case management department that can assist you in that. Otherwise, if you do wanna look at what the update might look like, I'll hold on for now just until you sort of make a decision, but then I can just make a a note and get that started, that process if you do wanna look like what a a portfolio update might look like. Okay. Well, with that one, just I'll get them to do the research. I'll sort of put it to the top of the the pile for you, and it may still take a little bit then to to get the report and everything together because we'd put it together in a statement of advice.\n\nWe wouldn't just sort of give you, like, a a portfolio just to show you what that might look like. We'll just do it based on the portfolio update because you don't really wanna address any other goals at this stage. And then I'll hopefully sort of get to that as quick as possible and get that through for you. And then, yeah, from there, you'll have all your reports. You'll have the what the update looks like.\n\nAnd then if you feel like you still wanna move on, that's more than more than fine. No problem, Hina. Was there anything else you wanna have a chat about or anything you feel like I have an answer there for you today? No problem. Well, again, apologies, Hina, but, obviously, I'll try and sort of get on to this and get this sorted to show you what that might look like moving forward.\n\nOtherwise, you enjoy the rest of your day. Thanks for your time. I know it was a bit long winded for you. No problem, Hannah. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Hannah.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.20629989355802536},{"text":"It's Carl calling from Ophi Financial.","start":3.28,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.16297727078199387},{"text":"How are you today?","start":4.96,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.24661556258797646},{"text":"Yeah.","start":7.9199996,"end":8.16,"sentiment":"neutral","sentiment_score":0.24576672911643985},{"text":"Not too bad at all.","start":8.16,"end":8.88,"sentiment":"neutral","sentiment_score":0.32230834364891053}],"sentiment":"neutral","sentiment_score":0.23523522830671734,"num_words":18,"start":2.72,"end":8.88},{"sentences":[{"text":"Thank you for asking.","start":8.88,"end":9.94,"sentiment":"positive","sentiment_score":0.5962305665016174},{"text":"Now I had you scheduled in just following a conversation with one of my colleagues regarding your performance.","start":12.08,"end":17.885,"sentiment":"neutral","sentiment_score":0.24445926315254635},{"text":"Just having a conversation around that this morning.","start":17.885,"end":19.985,"sentiment":"neutral","sentiment_score":0.19185441732406616},{"text":"Perfect.","start":21.485,"end":21.985,"sentiment":"positive","sentiment_score":0.5996527671813965},{"text":"Just to get started on that one here, if I could just pass you through security with that name, date of birth, and card notice, we can get started on that today.","start":22.365,"end":28.14,"sentiment":"positive","sentiment_score":0.41328305657953024}],"sentiment":"positive","sentiment_score":0.351503728874146,"num_words":63,"start":8.88,"end":28.14},{"sentences":[{"text":"Yeah.","start":34.62,"end":34.86,"sentiment":"neutral","sentiment_score":0.01173156127333641},{"text":"Address.","start":34.86,"end":35.26,"sentiment":"neutral","sentiment_score":0.018367335200309753},{"text":"Thanks.","start":35.26,"end":35.5,"sentiment":"neutral","sentiment_score":0.1288783848285675},{"text":"Sorry.","start":35.5,"end":36.0,"sentiment":"neutral","sentiment_score":0.05282676964998245},{"text":"Perfect.","start":38.78,"end":39.18,"sentiment":"neutral","sentiment_score":0.3308559060096741}],"sentiment":"neutral","sentiment_score":0.10853199139237404,"num_words":5,"start":34.62,"end":39.18},{"sentences":[{"text":"Thank you for that one.","start":39.18,"end":39.82,"sentiment":"positive","sentiment_score":0.5389119982719421},{"text":"Definitely.","start":39.82,"end":40.22,"sentiment":"neutral","sentiment_score":0.1505591720342636},{"text":"No.","start":40.22,"end":40.379997,"sentiment":"neutral","sentiment_score":-0.0481206551194191},{"text":"These calls are recorded for quality and training purposes there now as well, if you're okay with that one.","start":40.379997,"end":45.655,"sentiment":"neutral","sentiment_score":-0.004760437792069034},{"text":"Now I know you didn't do your annual review with me.","start":46.275,"end":48.755,"sentiment":"neutral","sentiment_score":-0.03938511318781159}],"sentiment":"neutral","sentiment_score":0.061440917436738275,"num_words":37,"start":39.18,"end":48.755},{"sentences":[{"text":"I think believe it was my colleague, Dana, the end of last year.","start":48.755,"end":51.715,"sentiment":"neutral","sentiment_score":-0.03216787585272239},{"text":"You originally had your annual review regarding that one and the original performance of that.","start":51.715,"end":58.53,"sentiment":"neutral","sentiment_score":-0.028035571426153184},{"text":"Now I don't have the performances she sent through to that, but I did draw up just some projections based on what my colleague said the other day when you're booking in just regarding how everything went and sort of just being in an industry fund there as well.","start":59.23,"end":73.395004,"sentiment":"neutral","sentiment_score":-0.039302706604405324},{"text":"Let me just double check your account.","start":85.07,"end":87.33,"sentiment":"neutral","sentiment_score":-0.07383819669485092},{"text":"So I believe it was twenty ninth to seventh with an annual review is conducted.","start":90.43,"end":96.705,"sentiment":"neutral","sentiment_score":-0.026577117294073103}],"sentiment":"neutral","sentiment_score":-0.03717245169059195,"num_words":99,"start":48.755,"end":96.705},{"sentences":[{"text":"So I believe it was probably sent via DocuSign when you did your initial.","start":96.765,"end":103.345,"sentiment":"neutral","sentiment_score":-0.020090462174266577},{"text":"It should have the twelve month performance at that point.","start":104.685005,"end":108.065,"sentiment":"neutral","sentiment_score":0.015172989293932914},{"text":"Obviously, I can let you know the performance sort of based on the twelve months from as at today's date and how that sort of looks and what has occurred.","start":109.63,"end":117.31,"sentiment":"neutral","sentiment_score":-0.019479966520642242},{"text":"Now I'm not too sure how it's explained to you regarding what happened at the end of last year.","start":117.31,"end":124.065,"sentiment":"neutral","sentiment_score":-0.07472977728435867},{"text":"So when you originally came on board, I'm not too sure who you sort of spoke to or when they originally sort of made the portfolio for you, but you do have quite an allocation, like a high allocation to Benelon, an actively managed fund.","start":124.065,"end":139.53,"sentiment":"neutral","sentiment_score":-0.03255223201380836}],"sentiment":"neutral","sentiment_score":-0.030497049001219162,"num_words":118,"start":96.765,"end":139.53},{"sentences":[{"text":"Now Yep.","start":140.54999,"end":186.77,"sentiment":"neutral","sentiment_score":0.0054504200816154445},{"text":"And we sort of hold no.","start":186.77,"end":188.21,"sentiment":"neutral","sentiment_score":-0.15386317173639932},{"text":"It will.","start":188.21,"end":188.69,"sentiment":"neutral","sentiment_score":-0.22868429124355316},{"text":"Obviously, you haven't spoken to me before, so I have no issues whether if you chose industry fund over us or our service.","start":188.69,"end":194.79001,"sentiment":"neutral","sentiment_score":-0.09839505896620128},{"text":"As I said, like, I'm can't pertain to what service you have received since being on board.","start":194.955,"end":199.615,"sentiment":"neutral","sentiment_score":-0.07989349106655401}],"sentiment":"neutral","sentiment_score":-0.09981844954192638,"num_words":50,"start":140.54999,"end":199.615},{"sentences":[{"text":"Obviously, if you were to, you know, say, we would, as you said, look to update the portfolio.","start":199.995,"end":205.935,"sentiment":"neutral","sentiment_score":-0.10653865999645656},{"text":"I myself wouldn't put such a high allocation to one managed fund with that because you do have 30% of your current portfolio in Ben Long.","start":206.475,"end":215.76,"sentiment":"neutral","sentiment_score":-0.16339505893679765},{"text":"And as a result of that, I'm not too sure if they explained to you that they have an underlying investment called corporate traveler.","start":215.9,"end":223.405,"sentiment":"neutral","sentiment_score":-0.17649371704707542},{"text":"Now that investment was done for not reporting correctly.","start":223.465,"end":226.505,"sentiment":"negative","sentiment_score":-0.3690493603547414},{"text":"Their accounting was not sorta up to scratch.","start":226.505,"end":228.925,"sentiment":"negative","sentiment_score":-0.4850977100431919}],"sentiment":"neutral","sentiment_score":-0.20710638288189384,"num_words":85,"start":199.995,"end":228.925},{"sentences":[{"text":"And as a result of that, they'll put a a trading hold.","start":229.065,"end":232.045,"sentiment":"neutral","sentiment_score":-0.324058897793293},{"text":"And then Benelongs had to reevaluate that stock.","start":232.68,"end":235.26,"sentiment":"neutral","sentiment_score":-0.2357676988467574},{"text":"As a result of that as well, people have sort of lost consumer confidence in the the Benelong fund itself, you know, not monitoring their investments or seeing any sort of signs that that may be the case with that.","start":235.31999,"end":247.5,"sentiment":"negative","sentiment_score":-0.35489417240023613},{"text":"I mean, because it's such a high allocation to your fund, when that went back by 20% there, it did cause a significant dip in your value, which is the result of why it's sort of gone backwards so much in the past three months there in conjunction with, obviously, the wars going on in Iran and everything as well that has sort of had a bit of a negative impact on superannuation, if that makes sense.","start":247.545,"end":270.86002,"sentiment":"negative","sentiment_score":-0.4722440627875266},{"text":"But, yeah, from your your phone call, obviously, since being on board, you know, coming on sort of the back end of COVID, the markets are a little bit rough there as well, and then the recovery from that.","start":271.72,"end":282.23682,"sentiment":"neutral","sentiment_score":-0.22076173814443442}],"sentiment":"negative","sentiment_score":-0.3689949766055427,"num_words":176,"start":229.065,"end":282.23682},{"sentences":[{"text":"And then with that and then the last dip, yeah, it was sitting around, like, a 4% return year on year as, like, a rolling average as, like, a percentage return to the five year rolling averages compared to, like, Australian super.","start":282.23682,"end":295.58,"sentiment":"neutral","sentiment_score":-0.0588588241842531},{"text":"So five year rolling average for the fund that you're currently in is about 8.58%.","start":295.58,"end":300.0,"sentiment":"neutral","sentiment_score":0.053420370320479076},{"text":"And then the five rolling average for an Australian super with a similar sort of allocation to pardon?","start":300.22,"end":310.225,"sentiment":"neutral","sentiment_score":0.02710362316833602},{"text":"Yeah.","start":314.045,"end":314.365,"sentiment":"neutral","sentiment_score":0.03126911818981171},{"text":"In in terms of that and what sort of do and then you obviously do have in regards to that the the adviser fee for the service you do pay and the other services you do have access to in regards to that.","start":314.365,"end":326.39,"sentiment":"neutral","sentiment_score":0.021480823585460353}],"sentiment":"neutral","sentiment_score":-0.0019155908532503272,"num_words":119,"start":282.23682,"end":326.39},{"sentences":[{"text":"Now with that as well, with the Australian Super, when it does say the high growth there as well, generally, the allocations to growth assets are quite a bit higher.","start":326.77002,"end":336.26498,"sentiment":"neutral","sentiment_score":0.1281281275053819},{"text":"So in saying that if you match up what sort of we've got invested in a high growth in line with Oakview's philosophy compared to, like, the Australian super equivalent, I think the returns are sitting closer to sort of, like, a 7.62 with the growth of defensive asset allocations.","start":336.485,"end":351.98,"sentiment":"neutral","sentiment_score":0.16243622478097677},{"text":"Obviously, they're both named high growth, so it would be closer to what you you said, but in saying that they do have a higher allocation in those funds to what, like, OQ compares to be a high growth portfolio, which is that ninety ten sort of split, if that makes sense.","start":353.96,"end":368.61502,"sentiment":"positive","sentiment_score":0.33864151428525263},{"text":"Yep.","start":379.72998,"end":380.22998,"sentiment":"neutral","sentiment_score":0.0413825549185276},{"text":"Yeah.","start":394.625,"end":394.945,"sentiment":"neutral","sentiment_score":0.021787170320749283}],"sentiment":"neutral","sentiment_score":0.22118047412151276,"num_words":134,"start":326.77002,"end":394.945},{"sentences":[{"text":"November, December is when the the been long sort of occurred.","start":394.945,"end":398.305,"sentiment":"neutral","sentiment_score":0.017131127417087555},{"text":"They have, like, in the newsletters, addressed it in terms of, like, the what has been occurring and the call if you had any concerns regarding.","start":398.305,"end":407.02,"sentiment":"neutral","sentiment_score":0.08829157197704682},{"text":"I'm not too sure if you're receiving the monthly newsletter.","start":407.02,"end":409.44,"sentiment":"neutral","sentiment_score":-0.022882454469799994},{"text":"You're not receiving as much out of it as you feel like you you maybe should given the circumstances?","start":432.17,"end":436.99,"sentiment":"neutral","sentiment_score":0.019612577400709454},{"text":"Yeah.","start":465.405,"end":465.725,"sentiment":"neutral","sentiment_score":-0.028438933193683624}],"sentiment":"neutral","sentiment_score":0.038796996503178756,"num_words":67,"start":394.945,"end":465.725},{"sentences":[{"text":"And so sorry if it wasn't sort of explained when you first came on, like, how it sort of generally so when you first come on board, they generally ask, like, if you want sort of yearly reviews quarterly, those sort of things, because super is a long term game.","start":465.725,"end":479.27,"sentiment":"neutral","sentiment_score":-0.14703949496150018},{"text":"Like, if you were chopping and changing quite regularly, you'd be day trading, which isn't something you really wanna do with super.","start":479.27,"end":484.25,"sentiment":"neutral","sentiment_score":-0.278294116597284},{"text":"Now, obviously, in regards to something so significant in a portion being in your portfolio, it probably should have been, like, reviewed given your time on board maybe a little bit earlier in saying that once this sort of dip does occur, you've already already made the loss in, like, the selling low, buying high is never sort of ideal unless it's sort of extenuating circumstances.","start":484.47,"end":506.26,"sentiment":"neutral","sentiment_score":-0.30329216604657244},{"text":"Now as a review of the Bennelong and what did occur, they are moving away from Bennelong in terms of, like, future investments, updates, and things like that as well.","start":506.48,"end":515.94,"sentiment":"neutral","sentiment_score":-0.18853435789545378},{"text":"Now within regards to your portfolio, it could have potentially been reviewed and updated earlier, and it may have sort of whether that a little bit better, not to say that it would have been sold out of Ben Long entirely, but given your allocation to that active management, as I'm saying previously, when you first came on board, it does carry a higher amount of risk having active versus, like, a passive management.","start":516.09503,"end":536.67004,"sentiment":"neutral","sentiment_score":-0.15205500873963576}],"sentiment":"neutral","sentiment_score":-0.2082637589086186,"num_words":242,"start":465.725,"end":536.67004},{"sentences":[{"text":"Even within the high growth, you can be completely passive or active.","start":536.67004,"end":540.37006,"sentiment":"neutral","sentiment_score":0.06234449055045843},{"text":"And then with the passive, obviously, you're tracking the market.","start":541.135,"end":543.375,"sentiment":"neutral","sentiment_score":0.03439243882894516},{"text":"You still have the same allocation of those growth assets, so a similar potential for growth.","start":543.375,"end":547.315,"sentiment":"neutral","sentiment_score":0.1409736042842269},{"text":"But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners.","start":547.535,"end":555.395,"sentiment":"neutral","sentiment_score":-0.05775356665253639},{"text":"And, obviously, Benelon hasn't done that, and you do have quite an allocation to that.","start":555.89,"end":560.95,"sentiment":"neutral","sentiment_score":-0.04683702538410823}],"sentiment":"neutral","sentiment_score":0.011832038167773224,"num_words":82,"start":536.67004,"end":560.95},{"sentences":[{"text":"So if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much versus, like oh, yeah.","start":562.13,"end":582.8,"sentiment":"neutral","sentiment_score":0.08632197171092441},{"text":"Sorry.","start":582.8,"end":583.3,"sentiment":"neutral","sentiment_score":-0.033572718501091},{"text":"Yeah.","start":602.255,"end":602.495,"sentiment":"neutral","sentiment_score":-0.08860452473163605},{"text":"And And with that, though, with what did occur with the Ben Long Fund, it was like sort of once the announcement was waived, it lost that quite quickly in a sense that it only took a few days for them to take that significant hit, and it's just been sort of hovering around where it has been.","start":602.495,"end":627.645,"sentiment":"negative","sentiment_score":-0.3368375650767622},{"text":"So even if we called you the day after, sort of like it did happen all the week after, it would be a similar sort of position whether we look to update it or hold for a little bit longer to see if it recoups some of those tips in the market.","start":627.645,"end":639.44,"sentiment":"neutral","sentiment_score":-0.19043357211809891}],"sentiment":"neutral","sentiment_score":-0.12572863693474917,"num_words":185,"start":562.13,"end":639.44},{"sentences":[{"text":"And then, obviously, the war in Iran has sort of been, you know, playing a little bit of role with volatilities in the market as well.","start":639.44,"end":645.86,"sentiment":"neutral","sentiment_score":-0.2145351953804493},{"text":"If it was sort of in regards to the fund wasn't performing or negatively performing just based on, like, market metrics, it would have been likely picked up sooner and just sort of removed entirely.","start":646.39496,"end":657.855,"sentiment":"neutral","sentiment_score":-0.3057638862303325},{"text":"Benelon itself wasn't sort of performing horrendously, like, leading up to that point.","start":658.15497,"end":662.97,"sentiment":"neutral","sentiment_score":-0.3329141896504622},{"text":"It was just sort of that was a catalyst where there were funds that sort of potentially may have been performing better.","start":662.97,"end":668.81,"sentiment":"neutral","sentiment_score":-0.158567568117922},{"text":"It maybe should have been, like, reviewed just to see if it was up to date.","start":668.81,"end":671.625,"sentiment":"neutral","sentiment_score":-0.002861648565158248}],"sentiment":"neutral","sentiment_score":-0.215551861062912,"num_words":112,"start":639.44,"end":671.625},{"sentences":[{"text":"And then if there were sort of any changes that need to be made and maybe having a discussion with you around the allocations and the weightings to that active fund.","start":672.425,"end":680.045,"sentiment":"neutral","sentiment_score":0.04278736573553855},{"text":"And I'm sorry if that wasn't sort of explained to you, like, clearly sort of previously.","start":680.105,"end":684.205,"sentiment":"neutral","sentiment_score":-0.22845126246102154},{"text":"Yeah.","start":687.61,"end":688.11,"sentiment":"neutral","sentiment_score":-0.067583829164505},{"text":"Yep.","start":705.625,"end":706.025,"sentiment":"neutral","sentiment_score":0.056188732385635376},{"text":"So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls.","start":706.025,"end":713.52,"sentiment":"neutral","sentiment_score":0.05224622741341591}],"sentiment":"neutral","sentiment_score":-0.01397366585159624,"num_words":74,"start":672.425,"end":713.52},{"sentences":[{"text":"Because, obviously, when you came on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover.","start":713.52,"end":720.98,"sentiment":"neutral","sentiment_score":-0.30129839325773305},{"text":"The war and tariff talk at the start of last year caused a significant stop like, dropping your superannuation, much like everyone else, which was sort of occurring, with the market volatility.","start":722.8,"end":732.925,"sentiment":"negative","sentiment_score":-0.45190747920423746},{"text":"It did recover sort of nicely from that.","start":732.925,"end":735.085,"sentiment":"neutral","sentiment_score":0.011119645088911057},{"text":"And then following that, that Benelon announcement and the wars in Iran there as well, it has not only from the Benelon, but then that taken a bit of a dive there as well.","start":735.085,"end":744.5,"sentiment":"neutral","sentiment_score":-0.02279785494594013},{"text":"So I can email you a copy of the account snapshot and then also in regards to the the asset performance over the last twelve months there as well.","start":744.72003,"end":753.06,"sentiment":"neutral","sentiment_score":0.16450003611630407}],"sentiment":"neutral","sentiment_score":-0.14480576969005846,"num_words":132,"start":713.52,"end":753.06},{"sentences":[{"text":"And I can sort of highlight sort of where things have been and where things have gone over that time you've since been on board.","start":754.565,"end":761.525,"sentiment":"neutral","sentiment_score":0.20798567712306976},{"text":"I can let you know from that, like, projections table.","start":761.525,"end":765.545,"sentiment":"neutral","sentiment_score":0.2124725177884102},{"text":"Then with that, you sort of with what did occur with the projections for the an average with Australian Super versus, like, the the fund that you are in, it's sort of sitting similar with the allocations.","start":766.085,"end":777.98,"sentiment":"neutral","sentiment_score":0.06329992192017066},{"text":"Obviously, if you were just in a high growth option within Australian super, the likelihood was you'd be slightly more exposed and have a little bit more risky exposure, but you probably would have had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform.","start":778.04,"end":798.03,"sentiment":"neutral","sentiment_score":0.0065210745609425875},{"text":"Not too sure how much you utilize it to have a look at that.","start":798.03,"end":801.41003,"sentiment":"neutral","sentiment_score":-0.004490791420851435}],"sentiment":"neutral","sentiment_score":0.061998256922133864,"num_words":163,"start":754.565,"end":801.41003},{"sentences":[{"text":"So in regards to the investment fee that comes down to the investments you hold, I can do it, email you the little projections table that shows you.","start":822.7,"end":833.66,"sentiment":"neutral","sentiment_score":0.1029314004949161},{"text":"So the Australian super option that it's based off, pardon me, is based off, like, a balanced growth option with the allocation that's more to sort of, what matches up with what your current portfolio was, over that that period.","start":833.66,"end":846.96497,"sentiment":"neutral","sentiment_score":0.12695947336032987},{"text":"So I can show you what that looks like in terms of the the the returns and what that sort of may have looked like, but in saying that you may have been or chosen a high growth option just with an Australian super, which may, as I said, had a higher allocation.","start":846.96497,"end":860.26,"sentiment":"neutral","sentiment_score":0.08307193613277292},{"text":"You might have got some high returns.","start":860.26,"end":862.02,"sentiment":"neutral","sentiment_score":0.09002964517899922},{"text":"The adviser fee itself is 1.65%.","start":862.02,"end":865.0,"sentiment":"neutral","sentiment_score":0.03288401601215204}],"sentiment":"neutral","sentiment_score":0.09843867444502774,"num_words":134,"start":822.7,"end":865.0},{"sentences":[{"text":"So that's based on balance.","start":865.595,"end":866.875,"sentiment":"neutral","sentiment_score":0.03266105577349663},{"text":"There's a monthly charge fee in terms of, like, it comes out monthly.","start":866.875,"end":871.675,"sentiment":"neutral","sentiment_score":0.04032688566411917},{"text":"It's based on percentage balance at that time.","start":871.675,"end":874.07495,"sentiment":"neutral","sentiment_score":0.037915225606411695},{"text":"So as the markets do fluctuate, obviously, the fee does fluctuate a little bit there as well in terms of, like, what is going on with your balance.","start":874.07495,"end":880.975,"sentiment":"neutral","sentiment_score":0.0026778074513588634},{"text":"Yep.","start":891.33,"end":891.73,"sentiment":"neutral","sentiment_score":0.09342028945684432}],"sentiment":"neutral","sentiment_score":0.021077736280858517,"num_words":55,"start":865.595,"end":891.73},{"sentences":[{"text":"I'll pull that up in regards to that one.","start":891.73,"end":894.93,"sentiment":"neutral","sentiment_score":0.0745456073847082},{"text":"Bear with me.","start":894.93,"end":895.83,"sentiment":"neutral","sentiment_score":0.04122870167096456},{"text":"And do you want just the twelve month period, or do you want, like, the last financial year?","start":907.235,"end":911.335,"sentiment":"neutral","sentiment_score":0.004032509608401192},{"text":"Bear with me.","start":929.745,"end":930.385,"sentiment":"neutral","sentiment_score":-0.026335806275407474},{"text":"Sorry.","start":930.385,"end":930.705,"sentiment":"neutral","sentiment_score":-0.0667128711938858}],"sentiment":"neutral","sentiment_score":0.021219454541364136,"num_words":34,"start":891.73,"end":930.705},{"sentences":[{"text":"It's just loading up.","start":930.705,"end":932.085,"sentiment":"neutral","sentiment_score":0.0017601833678781986},{"text":"So from the 2024 to the 2025, it works out to be around the 1,700 in terms of, like, what it worked out to be, the 1.65 of that period, which works out to be around the $1.50 ish sort of a month depending on what the balance sort of rough over that that period of time.","start":941.44,"end":963.3,"sentiment":"neutral","sentiment_score":0.08610291269264723},{"text":"Yeah.","start":967.38,"end":967.77997,"sentiment":"neutral","sentiment_score":0.06162830069661141},{"text":"For the for a twelve month period for last financial year.","start":967.77997,"end":970.83997,"sentiment":"neutral","sentiment_score":0.03642124157737602},{"text":"Yep.","start":986.675,"end":987.155,"sentiment":"neutral","sentiment_score":0.08374395966529846}],"sentiment":"neutral","sentiment_score":0.0737961172252088,"num_words":74,"start":930.705,"end":987.155},{"sentences":[{"text":"As as I said, Hina, I take no offense.","start":987.155,"end":989.84,"sentiment":"neutral","sentiment_score":-0.0186628308147192},{"text":"I haven't obviously spoken to you previously.","start":989.84,"end":991.68,"sentiment":"neutral","sentiment_score":-0.19181611282484873},{"text":"I dealt with your your account.","start":991.68,"end":993.2,"sentiment":"neutral","sentiment_score":-0.17537740369637808},{"text":"So I understand if you haven't felt like you got the the most out of the service and feel a little bit disappointed.","start":993.2,"end":998.4,"sentiment":"negative","sentiment_score":-0.38205193825390027},{"text":"Obviously, I can pass you on to the case management team, and they can assist you in sort of the changes, the rollover sort of what that looks like, the time frames as well.","start":998.4,"end":1008.075,"sentiment":"neutral","sentiment_score":0.04889769753550782}],"sentiment":"neutral","sentiment_score":-0.12262804497363447,"num_words":79,"start":987.155,"end":1008.075},{"sentences":[{"text":"If you did, yeah, if you did wanna have, like, a discussion around sort of the investments and what they're sort of sitting at, obviously, in regards to that as well, you will crystallize those losses when when moving funds.","start":1008.695,"end":1020.24005,"sentiment":"neutral","sentiment_score":-0.019047205895185472},{"text":"Obviously, if you're happy to sort of accept those losses and just move on there as well, it's just something to be aware of with that loss that did occur in Ben Long.","start":1020.24005,"end":1027.4601,"sentiment":"neutral","sentiment_score":-0.03439316743363937},{"text":"It could be carried forward or you could sort of, you know, recoup some of those losses.","start":1027.68,"end":1033.235,"sentiment":"neutral","sentiment_score":-0.09589734892634784},{"text":"So waiting for that investment, but, obviously, waste as in a company, we're moving away from Bennelong itself anyway.","start":1033.935,"end":1039.055,"sentiment":"neutral","sentiment_score":-0.2684722519234607},{"text":"We're just utilizing those carry forward losses, which is something to be mindful of.","start":1039.055,"end":1043.7,"sentiment":"neutral","sentiment_score":-0.05068099658404078}],"sentiment":"neutral","sentiment_score":-0.0759156457852663,"num_words":123,"start":1008.695,"end":1043.7},{"sentences":[{"text":"Yep.","start":1052.1799,"end":1052.6799,"sentiment":"neutral","sentiment_score":0.16568098962306976},{"text":"So, realistically, once you like, just as a brief rundown, if you were to sort of find, you know, the fund you were happy with, open up an account with them, you can just request the rollover through that.","start":1052.82,"end":1064.285,"sentiment":"neutral","sentiment_score":0.1937493811815213},{"text":"We can liaise with you within regards to how long that would sort of take.","start":1064.285,"end":1068.4451,"sentiment":"neutral","sentiment_score":0.20722251137097678},{"text":"It will take a little bit given that been a long do have to deal with the underlying investment and selling of that down and sort of giving you a fair market value for that at the time given that they'll put on that trading halt, which may sort of take two to three weeks to sell down to that cash portion.","start":1068.4451,"end":1084.61,"sentiment":"neutral","sentiment_score":0.1149998337270752},{"text":"Following that, you don't have any current insurances, so that's fine in sense that you don't have to change any payment options for that.","start":1085.3351,"end":1093.275,"sentiment":"neutral","sentiment_score":0.1760319002593557}],"sentiment":"neutral","sentiment_score":0.15734042428064007,"num_words":141,"start":1052.1799,"end":1093.275},{"sentences":[{"text":"Whether or not you look to get some sort of group or re retail cover in the future, The group cover might be available in a default option for opening up the superannuation fund, which is sort of things you can have a think about.","start":1093.8151,"end":1105.17,"sentiment":"neutral","sentiment_score":0.15661741660700904},{"text":"And then if you were to get retail cover in the future, it would just be based on your your new account there as well.","start":1105.55,"end":1111.01,"sentiment":"neutral","sentiment_score":0.16401768505573272},{"text":"But do you have any questions that I haven't answered today there, Hina, that you sort of wanna have a discussion around?","start":1112.8151,"end":1120.0951,"sentiment":"neutral","sentiment_score":0.03276793218471787},{"text":"Or Yep.","start":1120.0951,"end":1198.28,"sentiment":"neutral","sentiment_score":0.13407710287719965},{"text":"And then with that one, so given your actual, like, performance over time, you're still up from, like, when you originally started.","start":1198.28,"end":1207.7201,"sentiment":"neutral","sentiment_score":0.18812616101720117}],"sentiment":"neutral","sentiment_score":0.1403107769819426,"num_words":116,"start":1093.8151,"end":1207.7201},{"sentences":[{"text":"So the way retail funds work versus, like, industry, it's not unitized.","start":1207.7201,"end":1212.5449,"sentiment":"neutral","sentiment_score":-0.009853431644539038},{"text":"So you still have to pay, like, CGT costs and things like that, which is why I mentioned that it's a bit different in regards to industry funds because they're unitized and it's sort of built into those prices there as well.","start":1212.6849,"end":1224.83,"sentiment":"neutral","sentiment_score":-0.017780380118416532},{"text":"So you will probably still likely have a CGT in terms of the cost, but then, obviously, given that Benelon went backwards so heavily that there would be, you know, funds there that, you know, a potential, you know, on the table still in terms of, like, if it was to to come back, it would offset the capital gains on the other investments that have performed over that period of time quite well.","start":1225.0499,"end":1248.995,"sentiment":"neutral","sentiment_score":0.10605155409791985},{"text":"So you might still likely end up paying some money.","start":1249.295,"end":1251.615,"sentiment":"neutral","sentiment_score":0.09048337489366531},{"text":"So whether or not sort of if you were to move now, you'd pay, like, a smaller amount of CGT if anyone was to improve in the the future or you were to sort of stay, utilize those to change up investments to carry forward and change the the capital gains around the a portfolio update moving forward, which is something we can do for you, Hina.","start":1251.615,"end":1270.525,"sentiment":"neutral","sentiment_score":0.2516457821562219}],"sentiment":"neutral","sentiment_score":0.1207214585948372,"num_words":205,"start":1207.7201,"end":1270.525},{"sentences":[{"text":"Like, obviously, you feel like you haven't got the the best out of the service so far, but we can sort of do and show you what an investment update might look like.","start":1270.525,"end":1278.605,"sentiment":"positive","sentiment_score":0.4109210683540864},{"text":"It can even be sort of more passive approach for you.","start":1278.605,"end":1282.0,"sentiment":"positive","sentiment_score":0.4641407619823109},{"text":"They also did bring out a separately managed account, which is like an SMA that they sort of do updates regularly and more sort of in line with they're able to make changes because currently, we can't make a change to your portfolio until you have the discussion, do an update, things like that, which falls, like, every 12 months on your annual review the way it was set up previously.","start":1282.7,"end":1302.245,"sentiment":"neutral","sentiment_score":0.2223787344467472},{"text":"Now what you got out of those annual reviews previously, I can't sort of say because I didn't complete them.","start":1303.2649,"end":1308.485,"sentiment":"neutral","sentiment_score":-0.022900291439145803},{"text":"But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur.","start":1309.7001,"end":1316.52,"sentiment":"neutral","sentiment_score":0.02678927478771056}],"sentiment":"neutral","sentiment_score":0.20980298477617731,"num_words":166,"start":1270.525,"end":1316.52},{"sentences":[{"text":"With moving funds and selling down to cash, you are selling out of the market as well, and there's sort of never a right or wrong time unless you're trying to time the market.","start":1318.02,"end":1326.9149,"sentiment":"neutral","sentiment_score":-0.21379133927471497},{"text":"Now the risk is is that if you were to sell down to cash and the markets were to sort of jump back up, given what is happening in the markets at the moment with the the war in Iran, those are potential losses you'd be leaving on the table versus if it was to go down, you'd sort of get the benefit of buying in lower with your money because it's sold down to cash prior to the price dropping with investments.","start":1327.455,"end":1348.15,"sentiment":"negative","sentiment_score":-0.357289553765791},{"text":"But there's no sort of way to time that with what's going on just given the fact that I can't tell what Donald Trump's gonna do tomorrow, let alone what he's done previously.","start":1349.65,"end":1360.435,"sentiment":"neutral","sentiment_score":-0.25977287622112216},{"text":"It's hard to wrap your head around sort of thing.","start":1360.435,"end":1362.115,"sentiment":"negative","sentiment_score":-0.34438026547431944},{"text":"So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment versus, like, the capital gains is something you can calculate and what the liability would be and what you'd be sort of paying to move your funds out, if that makes sense.","start":1362.115,"end":1380.7401,"sentiment":"neutral","sentiment_score":-0.13941429869737476}],"sentiment":"neutral","sentiment_score":-0.25831589814541595,"num_words":224,"start":1318.02,"end":1380.7401},{"sentences":[{"text":"Yep.","start":1399.26,"end":1399.76,"sentiment":"neutral","sentiment_score":0.0906822308897972},{"text":"Yep.","start":1420.25,"end":1420.5701,"sentiment":"neutral","sentiment_score":0.04200663045048714},{"text":"Because depending on your time today, I can run through, like, a bit of your your goals, what you're trying to achieve and sort of, you know, start afresh, like, as a blank slate sort of thing and just do the interview now, let you know where things are at, update your details, do a risk profile with you.","start":1420.5701,"end":1436.225,"sentiment":"neutral","sentiment_score":0.13663541727651984},{"text":"And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have.","start":1436.2849,"end":1442.73,"sentiment":"neutral","sentiment_score":0.1834232248365879},{"text":"And then also with that, we can sort of let you know what the current CGT is and what that looks like.","start":1443.0499,"end":1448.59,"sentiment":"neutral","sentiment_score":0.1168142252347686}],"sentiment":"neutral","sentiment_score":0.14174064328876612,"num_words":107,"start":1399.26,"end":1448.59},{"sentences":[{"text":"And then whether or not you utilize that to just, you know, see what you'd be paying to move your funds out or whether or not you wanna do stay on and look at updating your portfolio and maybe taking advantage of the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright.","start":1449.69,"end":1477.2,"sentiment":"neutral","sentiment_score":0.15233768689997343},{"text":"The performance is alright this year and then moving on.","start":1477.26,"end":1479.92,"sentiment":"positive","sentiment_score":0.4491732954978943},{"text":"Okay.","start":1490.715,"end":1490.915,"sentiment":"neutral","sentiment_score":-0.001130863092839718},{"text":"Through really quickly.","start":1491.115,"end":1493.275,"sentiment":"neutral","sentiment_score":0.014730064198374748},{"text":"I'll just confirm details, do some goals to risk profile.","start":1493.275,"end":1495.755,"sentiment":"neutral","sentiment_score":0.04613410923629999}],"sentiment":"neutral","sentiment_score":0.16332153027083296,"num_words":122,"start":1449.69,"end":1495.755},{"sentences":[{"text":"It might take an extra sort of fifteen minutes if we go quickly.","start":1495.755,"end":1498.975,"sentiment":"neutral","sentiment_score":-0.003979950999984374},{"text":"Okay.","start":1500.53,"end":1500.85,"sentiment":"neutral","sentiment_score":0.15396648645401},{"text":"Not a problem at all.","start":1500.85,"end":1502.07,"sentiment":"neutral","sentiment_score":0.2495709091424942},{"text":"So I'll just go through and confirm all your details there, Hina.","start":1502.29,"end":1505.35,"sentiment":"neutral","sentiment_score":0.18732527022560438},{"text":"In regards to your address, that's all the same.","start":1505.73,"end":1509.41,"sentiment":"neutral","sentiment_score":0.06528320494625303}],"sentiment":"neutral","sentiment_score":0.10463834390975535,"num_words":40,"start":1495.755,"end":1509.41},{"sentences":[{"text":"Email's still hikar oh,ininako.f@iCloud.com?","start":1509.41,"end":1515.345,"sentiment":"neutral","sentiment_score":0.04571188893169165},{"text":"Perfect.","start":1518.465,"end":1518.965,"sentiment":"positive","sentiment_score":0.5796237587928772},{"text":"And I've got your defacto partner here as an extra kin, but no details or anything.","start":1519.1849,"end":1523.745,"sentiment":"neutral","sentiment_score":0.18135274085216224},{"text":"Did you wanna put down an extra kin, or are you happy just to leave that blank for now?","start":1523.745,"end":1527.6849,"sentiment":"neutral","sentiment_score":0.07344859446349897},{"text":"Not a problem.","start":1529.1,"end":1529.92,"sentiment":"neutral","sentiment_score":0.3195173740386963}],"sentiment":"neutral","sentiment_score":0.1399579205831816,"num_words":43,"start":1509.41,"end":1529.92},{"sentences":[{"text":"And then in regards to your current work, are you still working for NDIS?","start":1531.02,"end":1534.72,"sentiment":"neutral","sentiment_score":0.05101319109754903},{"text":"Yep.","start":1537.5801,"end":1538.0801,"sentiment":"neutral","sentiment_score":0.109811931848526},{"text":"And then are you still majority seeing clients?","start":1538.22,"end":1540.9401,"sentiment":"neutral","sentiment_score":0.05184466717764735},{"text":"Do you do, like, sort of office based work at all?","start":1540.9401,"end":1543.515,"sentiment":"neutral","sentiment_score":0.013234672390601852},{"text":"Yep.","start":1545.595,"end":1546.095,"sentiment":"neutral","sentiment_score":0.016689619049429893}],"sentiment":"neutral","sentiment_score":0.04002928457089833,"num_words":35,"start":1531.02,"end":1546.095},{"sentences":[{"text":"And I know that's considered self employed.","start":1546.955,"end":1549.1951,"sentiment":"neutral","sentiment_score":0.004618001303502491},{"text":"Are you, like, considered a sole trader?","start":1549.1951,"end":1551.215,"sentiment":"neutral","sentiment_score":0.01283382291772536},{"text":"Yep.","start":1553.1951,"end":1553.6951,"sentiment":"neutral","sentiment_score":0.20289668440818787},{"text":"Perfect.","start":1553.755,"end":1554.255,"sentiment":"positive","sentiment_score":0.4520472288131714},{"text":"And at the moment, how many hours per week are you doing?","start":1554.635,"end":1557.855,"sentiment":"neutral","sentiment_score":0.06687091492737333}],"sentiment":"neutral","sentiment_score":0.056412773639229793,"num_words":28,"start":1546.955,"end":1557.855},{"sentences":[{"text":"Anything else?","start":1566.01,"end":1566.5701,"sentiment":"neutral","sentiment_score":-0.0035093938931822777},{"text":"And is that, like, permanent part time or just, like, casual work or, like like, you don't have any set contracts you do with them per hours per week?","start":1566.5701,"end":1582.145,"sentiment":"neutral","sentiment_score":0.0007081287431305852},{"text":"You just sort of manage it yourself totally?","start":1582.145,"end":1585.125,"sentiment":"neutral","sentiment_score":0.029509849147871137},{"text":"Yep.","start":1595.3,"end":1595.8,"sentiment":"neutral","sentiment_score":0.039439767599105835},{"text":"So it's money for the set hours.","start":1599.155,"end":1600.755,"sentiment":"neutral","sentiment_score":0.03311927297285625}],"sentiment":"neutral","sentiment_score":0.011082349305457257,"num_words":47,"start":1566.01,"end":1600.755},{"sentences":[{"text":"You sort of still manage it yourself.","start":1600.755,"end":1602.375,"sentiment":"neutral","sentiment_score":0.07011479884386063},{"text":"And as far as your income per annum, do you know based on the hours you're doing per week what that sort of looks like?","start":1603.155,"end":1608.535,"sentiment":"neutral","sentiment_score":0.0020708499755710363},{"text":"Yep.","start":1621.745,"end":1622.2251,"sentiment":"neutral","sentiment_score":0.04218707233667374},{"text":"And then with in regards to that one, are you still planning on making your super contributions that you were previously?","start":1622.2251,"end":1629.125,"sentiment":"neutral","sentiment_score":0.028181034982914015},{"text":"Yep.","start":1644.08,"end":1644.58,"sentiment":"neutral","sentiment_score":0.07212226837873459}],"sentiment":"neutral","sentiment_score":0.022703380302780053,"num_words":55,"start":1600.755,"end":1644.58},{"sentences":[{"text":"Not a problem.","start":1644.72,"end":1645.5399,"sentiment":"neutral","sentiment_score":0.1662919744849205},{"text":"And then based on your income at the moment, has your sort of savings goals per week or your expenditure changed at all per week that you know?","start":1647.475,"end":1655.655,"sentiment":"neutral","sentiment_score":0.056855157749461274},{"text":"Yep.","start":1665.09,"end":1665.5701,"sentiment":"neutral","sentiment_score":-0.002677770098671317},{"text":"And then roughly sort of weekly, how much do you reckon you sort of, like, using per week in regards to expenditure as a household of individually?","start":1665.5701,"end":1673.51,"sentiment":"neutral","sentiment_score":0.024041511877267448},{"text":"Yep.","start":1697.72,"end":1697.955,"sentiment":"neutral","sentiment_score":0.034837380051612854}],"sentiment":"neutral","sentiment_score":0.04620167951798067,"num_words":60,"start":1644.72,"end":1697.955},{"sentences":[{"text":"And roughly sort of how much you're putting away towards, like, your your savings each week as a goal?","start":1698.0349,"end":1703.735,"sentiment":"neutral","sentiment_score":0.08237282500455254},{"text":"Perfect.","start":1712.13,"end":1712.61,"sentiment":"positive","sentiment_score":0.7490574717521667},{"text":"And then as far as, like, any other contributions you plan on making, you're happy just doing the amount you're doing and don't plan on making anymore?","start":1712.61,"end":1719.51,"sentiment":"neutral","sentiment_score":0.25265115782342573},{"text":"Towards, like, superannuation, any other contributions, things?","start":1723.905,"end":1726.545,"sentiment":"neutral","sentiment_score":0.012415653028126274},{"text":"Yeah.","start":1726.545,"end":1726.865,"sentiment":"neutral","sentiment_score":0.014037862420082092}],"sentiment":"neutral","sentiment_score":0.16793945166705684,"num_words":55,"start":1698.0349,"end":1726.865},{"sentences":[{"text":"Sorry.","start":1726.865,"end":1727.365,"sentiment":"neutral","sentiment_score":-0.0376194603741169},{"text":"Yeah.","start":1729.985,"end":1730.385,"sentiment":"neutral","sentiment_score":-0.0032725073397159576},{"text":"No problem at all.","start":1730.385,"end":1731.585,"sentiment":"neutral","sentiment_score":0.10219224728643894},{"text":"And then with your contributions, are you still just doing the non concessional and then claiming the no spend 10 at the end of the year?","start":1731.585,"end":1737.57,"sentiment":"neutral","sentiment_score":0.015506381312241921},{"text":"Do you just do that with your account and then he just settles it all for you?","start":1737.57,"end":1745.99,"sentiment":"neutral","sentiment_score":0.0700366843272658}],"sentiment":"neutral","sentiment_score":0.04003401161456595,"num_words":49,"start":1726.865,"end":1745.99},{"sentences":[{"text":"Yep.","start":1748.9299,"end":1749.33,"sentiment":"neutral","sentiment_score":0.11318539083003998},{"text":"Not a problem.","start":1749.33,"end":1750.1499,"sentiment":"neutral","sentiment_score":0.1655686597029368},{"text":"And then as far as your primary mortgage there with your parents living there, I believe, do you know roughly what that's sitting at at the moment?","start":1753.375,"end":1764.595,"sentiment":"neutral","sentiment_score":0.02657561897541638},{"text":"$6.80.","start":1769.67,"end":1770.57,"sentiment":"neutral","sentiment_score":0.0251707024872303},{"text":"And is that earned $50.50 with your sister?","start":1770.71,"end":1773.85,"sentiment":"neutral","sentiment_score":0.033511525485664606}],"sentiment":"neutral","sentiment_score":0.04051739971619099,"num_words":40,"start":1748.9299,"end":1773.85},{"sentences":[{"text":"Yep.","start":1777.4451,"end":1777.9451,"sentiment":"neutral","sentiment_score":0.062262725085020065},{"text":"And then as far as your car, do you still have the the Volkswagen?","start":1778.405,"end":1782.025,"sentiment":"neutral","sentiment_score":0.022976063591028963},{"text":"Yep.","start":1783.365,"end":1783.685,"sentiment":"neutral","sentiment_score":0.015838531777262688},{"text":"Do you know is it there's nothing on that.","start":1783.685,"end":1785.4451,"sentiment":"neutral","sentiment_score":-0.017406455137663417},{"text":"Do you know roughly what the value of that would be at the moment?","start":1785.4451,"end":1788.025,"sentiment":"neutral","sentiment_score":-0.007664187146084649}],"sentiment":"neutral","sentiment_score":0.0034822930987828816,"num_words":39,"start":1777.4451,"end":1788.025},{"sentences":[{"text":"Yep.","start":1799.38,"end":1799.88,"sentiment":"neutral","sentiment_score":0.01630638912320137},{"text":"And then I've got some music equipment and contents, like, totaling around 60,000.","start":1800.02,"end":1804.6549,"sentiment":"neutral","sentiment_score":0.014978749677538872},{"text":"Does that sort of sound about right, Joel?","start":1804.6549,"end":1806.595,"sentiment":"neutral","sentiment_score":0.014393139630556107},{"text":"Yep.","start":1806.735,"end":1807.235,"sentiment":"neutral","sentiment_score":0.03196574002504349},{"text":"And savings is sitting around 40,000.","start":1807.375,"end":1809.5349,"sentiment":"neutral","sentiment_score":0.0403083274140954}],"sentiment":"neutral","sentiment_score":0.020689343327078325,"num_words":29,"start":1799.38,"end":1809.5349},{"sentences":[{"text":"Is that sort of roughly what you've got in savings at the moment?","start":1809.5349,"end":1812.0349,"sentiment":"neutral","sentiment_score":0.035087771427172884},{"text":"Yep.","start":1816.11,"end":1816.4299,"sentiment":"neutral","sentiment_score":0.09787584841251372},{"text":"Not a problem.","start":1816.4299,"end":1817.25,"sentiment":"neutral","sentiment_score":0.11997897674640019},{"text":"And then as far as health concern, and I hear that you're a nonsmoker.","start":1817.5499,"end":1821.3099,"sentiment":"neutral","sentiment_score":-0.06388009605663163},{"text":"Is that still the case?","start":1821.3099,"end":1822.45,"sentiment":"neutral","sentiment_score":-0.04130335971713066}],"sentiment":"neutral","sentiment_score":-0.005191231560375955,"num_words":36,"start":1809.5349,"end":1822.45},{"sentences":[{"text":"And as far as any other health conditions, nothing sort of occurred in the last twelve months, knock wood?","start":1823.1499,"end":1827.6499,"sentiment":"neutral","sentiment_score":-0.02435091696679592},{"text":"Yep.","start":1828.215,"end":1828.455,"sentiment":"neutral","sentiment_score":0.004143415950238705},{"text":"No medications, anything like that?","start":1828.455,"end":1830.155,"sentiment":"neutral","sentiment_score":-0.04453463181853294},{"text":"Yeah.","start":1831.655,"end":1832.0549,"sentiment":"neutral","sentiment_score":0.07764232903718948},{"text":"Not a problem.","start":1832.0549,"end":1832.955,"sentiment":"neutral","sentiment_score":0.19490929444630942}],"sentiment":"neutral","sentiment_score":-0.000649205280532097,"num_words":29,"start":1823.1499,"end":1832.955},{"sentences":[{"text":"And I know you don't have a will in place.","start":1834.0549,"end":1835.735,"sentiment":"neutral","sentiment_score":0.021636320906691254},{"text":"Have you got around to sort of setting up a will in the last twelve months?","start":1835.735,"end":1838.955,"sentiment":"neutral","sentiment_score":0.013467582874000072},{"text":"Yeah.","start":1840.95,"end":1841.27,"sentiment":"neutral","sentiment_score":0.02648615837097168},{"text":"No.","start":1841.27,"end":1841.51,"sentiment":"neutral","sentiment_score":0.02417772635817528},{"text":"That's fine.","start":1841.51,"end":1842.33,"sentiment":"neutral","sentiment_score":0.25721656531095505}],"sentiment":"neutral","sentiment_score":0.03323138501339903,"num_words":30,"start":1834.0549,"end":1842.33},{"sentences":[{"text":"And as far as the goals that you are working towards there, Hina, is there anything that you're sort of trying to do at the moment apart from, like, your savings goals that you're sort of looking to achieve?","start":1843.35,"end":1853.45,"sentiment":"neutral","sentiment_score":0.12668041216257292},{"text":"Yep.","start":1877.15,"end":1877.565,"sentiment":"neutral","sentiment_score":0.11090087890625},{"text":"And do you plan on purchasing, like, a house with your your partner that you guys will use for nothing to go?","start":1878.5249,"end":1887.245,"sentiment":"neutral","sentiment_score":-0.0811915731226856},{"text":"Yep.","start":1887.245,"end":1887.485,"sentiment":"neutral","sentiment_score":-0.056304916739463806},{"text":"No.","start":1887.485,"end":1887.6449,"sentiment":"neutral","sentiment_score":-0.16143172979354858}],"sentiment":"neutral","sentiment_score":0.04761696403147653,"num_words":64,"start":1843.35,"end":1887.6449},{"sentences":[{"text":"That's understandable.","start":1887.6449,"end":1888.3849,"sentiment":"neutral","sentiment_score":-0.1287028305232525},{"text":"And then, yes, sort of the longer term goals there in regards to retirement.","start":1889.58,"end":1893.36,"sentiment":"neutral","sentiment_score":-0.03793820871838501},{"text":"Has anything that of that sort of nature changed?","start":1893.4199,"end":1895.9199,"sentiment":"neutral","sentiment_score":-0.08460579646958245},{"text":"Still, you know, retired around the age of 67?","start":1895.98,"end":1899.0399,"sentiment":"neutral","sentiment_score":-0.035438392518295184},{"text":"Yeah.","start":1907.755,"end":1908.255,"sentiment":"neutral","sentiment_score":-0.07383715361356735}],"sentiment":"neutral","sentiment_score":-0.05550786964595318,"num_words":35,"start":1887.6449,"end":1908.255},{"sentences":[{"text":"Yep.","start":1910.475,"end":1910.875,"sentiment":"neutral","sentiment_score":-0.029454398900270466},{"text":"And then in regards to insurances, have you had a think about those in sort of recent years not having insurance cover?","start":1910.875,"end":1916.85,"sentiment":"neutral","sentiment_score":-0.08370849727229639},{"text":"Is that something you wanna review in terms of that, like looking at some Yep.","start":1916.85,"end":1924.21,"sentiment":"neutral","sentiment_score":-0.04633843741612509},{"text":"And you're sort of aware of, like, the risk of not having insurance cover and just bridging the gap and being self insured or relying on any sort of Yep.","start":1924.21,"end":1931.655,"sentiment":"neutral","sentiment_score":-0.10093960706144571},{"text":"Not a problem.","start":1932.2151,"end":1933.115,"sentiment":"neutral","sentiment_score":0.184252659479777}],"sentiment":"neutral","sentiment_score":-0.07100772019065785,"num_words":71,"start":1910.475,"end":1933.115},{"sentences":[{"text":"Now we'll just jump in and do a quick risk profile there just to see how your risk tolerance has changed since we last sort of spoke there.","start":1934.055,"end":1941.115,"sentiment":"neutral","sentiment_score":0.039169528521597385},{"text":"Now have you bought any direct shares since we last spoke or spoke to us here?","start":1942.935,"end":1947.57,"sentiment":"neutral","sentiment_score":0.020090013334993273},{"text":"Yep.","start":1948.5299,"end":1948.7699,"sentiment":"neutral","sentiment_score":0.13557931780815125},{"text":"Not a problem.","start":1948.7699,"end":1949.5099,"sentiment":"neutral","sentiment_score":0.2818329979976018},{"text":"And, obviously, given your age, you're still investing that longer term.","start":1950.5299,"end":1953.59,"sentiment":"neutral","sentiment_score":0.22107177837328476}],"sentiment":"neutral","sentiment_score":0.08188228620121539,"num_words":59,"start":1934.055,"end":1953.59},{"sentences":[{"text":"But given inflation and the way things are with the cost of living at the moment and things like that, are you still willing to accept a high amount of risk to outpace inflation and aim for higher returns?","start":1953.8899,"end":1962.7899,"sentiment":"neutral","sentiment_score":-0.08559988209834465},{"text":"Yep.","start":1967.235,"end":1967.3151,"sentiment":"neutral","sentiment_score":0.2849414348602295},{"text":"And then if your portfolio was to decrease by 20% just due to general market trends or if the water sort of was to increase, would you still, like, hold and wait, or would you wanna sell the cash and minimize some sort of losses, or would you maybe invest modestly for for growth still?","start":1967.3151,"end":1983.18,"sentiment":"neutral","sentiment_score":0.007363755933263086},{"text":"Yeah.","start":1994.535,"end":1994.935,"sentiment":"neutral","sentiment_score":-0.09518234431743622},{"text":"And during things like the COVID and those sort of events, like, as far as, like, investing in the the time invested, like, super sort of that, you know, ten to twenty year game of, like, investments and how they sort of track over time and having sort of high conviction through, like, downturns as well.","start":1994.935,"end":2011.7001,"sentiment":"neutral","sentiment_score":-0.051274257712066174}],"sentiment":"neutral","sentiment_score":-0.036940711623940026,"num_words":152,"start":1953.8899,"end":2011.7001},{"sentences":[{"text":"And when there are dips in the market, obviously, Ben Long's a bit of a different sort of field there with what did occur with them.","start":2012.0801,"end":2018.485,"sentiment":"neutral","sentiment_score":-0.06541170523716854},{"text":"But, generally, when markets do take a dive, like things like GFCs, COVID events, and things like that, when the whole market takes a bit of a dip, for the market to never return just sort of illustrates that, you know, you probably wouldn't have to write about money at the end of the day because the world might not be around sort of thing.","start":2018.485,"end":2034.64,"sentiment":"neutral","sentiment_score":-0.042577437101863326},{"text":"Like, the markets are always going to tick over.","start":2034.64,"end":2036.64,"sentiment":"neutral","sentiment_score":0.01691372071703275},{"text":"And over a long period of time, it's shown that even with those dips and events, they just end up being sort of blips on the the the scale with those Vanguard charts that over those longer period of times of, like, staying invested and holding investments, it does, like, rise.","start":2036.64,"end":2050.645,"sentiment":"neutral","sentiment_score":-0.053246676008783134},{"text":"Obviously, you can sort of pick and choose a little bit and sort of have better results.","start":2050.645,"end":2054.745,"sentiment":"neutral","sentiment_score":0.0601180815959678}],"sentiment":"neutral","sentiment_score":-0.03577135327768268,"num_words":168,"start":2012.0801,"end":2054.745},{"sentences":[{"text":"And with your portfolio, since you you've been on board, you've had a bit of a a rough ride there, so I understand why you're a bit adverse to, you staying on board and having a look at things.","start":2055.205,"end":2065.25,"sentiment":"neutral","sentiment_score":-0.21327524106854048},{"text":"We'll show you, obviously, a portfolio update and what that may look like, reducing some of that that risk in regards to active major risk because it is quite a high allocation that if that fund isn't performing well, your portfolio is not performing well, if that makes sense.","start":2065.31,"end":2081.265,"sentiment":"neutral","sentiment_score":-0.20953033803677074},{"text":"Now we can still look to have an active portion to try and, you know, actively try and outperform the market, or we can even look at a lower cost option that is more passive indexed approach that if the markets are doing well, it's, like, cheaper and then it tracks quite well versus having an active portion that tries to actively pick winners, if that makes sense.","start":2081.885,"end":2102.52,"sentiment":"neutral","sentiment_score":0.2864384270985337},{"text":"And would you sort of wanna look at being more passively invested to reduce that level of, like, manager risk, or would you still wanna look to have a little bit of an active portion?","start":2104.275,"end":2112.855,"sentiment":"neutral","sentiment_score":0.1324129600610052},{"text":"Higher returns.","start":2128.305,"end":2128.945,"sentiment":"neutral","sentiment_score":0.29527002573013306}],"sentiment":"neutral","sentiment_score":0.031699926066429504,"num_words":193,"start":2055.205,"end":2128.945},{"sentences":[{"text":"Yeah.","start":2128.945,"end":2129.445,"sentiment":"neutral","sentiment_score":0.2460513412952423},{"text":"In saying that even with the the passive, you still have a similar allocation to growth assets.","start":2129.905,"end":2134.225,"sentiment":"neutral","sentiment_score":0.18476166181704579},{"text":"It just it wouldn't like, picking and choosing the winners, it just goes down to the market indexes with, like, the S and P 500, You've got 500 companies.","start":2134.225,"end":2143.1702,"sentiment":"neutral","sentiment_score":0.11892043426632881},{"text":"Now if a company starts performing really well and sort of gets enough market share that ends up in the top 500, you then hold that investment.","start":2143.23,"end":2149.4102,"sentiment":"neutral","sentiment_score":0.1378492179016272},{"text":"Same as if a company starts to drop off, they fall out of that 500, you no longer have it.","start":2149.6301,"end":2154.135,"sentiment":"neutral","sentiment_score":-0.15015383902937174}],"sentiment":"neutral","sentiment_score":0.08036749243260698,"num_words":94,"start":2128.945,"end":2154.135},{"sentences":[{"text":"So it's dynamic in the sense that those 500 companies still, like, change quite regularly in terms of, like, what's happening.","start":2154.375,"end":2160.075,"sentiment":"neutral","sentiment_score":0.03804579252998034},{"text":"But in saying that, they're not sort of picking and choosing winners to try and find, you know, people that have, you know, market share or undervalued, you know, things like that to where they might see greater returns or be the ones that jump up into those top 500.","start":2160.935,"end":2175.66,"sentiment":"neutral","sentiment_score":-0.019452478624880313},{"text":"You may sort of hold those earlier, and those sort of the benefits of having those managed funds if the fund manager is performing quite well.","start":2175.66,"end":2182.035,"sentiment":"neutral","sentiment_score":0.13681940433497614},{"text":"But, obviously, they're a lot more volatile.","start":2182.595,"end":2184.1948,"sentiment":"neutral","sentiment_score":-0.22622093664748327},{"text":"They do have a lot of the ups and the downs.","start":2184.1948,"end":2186.135,"sentiment":"neutral","sentiment_score":-0.23790102384307169}],"sentiment":"neutral","sentiment_score":-0.007102744297488876,"num_words":115,"start":2154.375,"end":2186.135},{"sentences":[{"text":"Even sort of with that, the passive over, you know, twenty year span versus, like, portfolio managers generally does quite well in comparison as well if you were to sort of just hold those indexes versus, you know, someone trying to do the picking and the choosing.","start":2187.155,"end":2201.11,"sentiment":"neutral","sentiment_score":-0.041643044534832876},{"text":"So we'll probably look to have, like, the active portion still in there, but just not to the degree that you have currently that it is negatively affecting your portfolio when they do have those bad years, if that makes sense.","start":2201.25,"end":2213.885,"sentiment":"neutral","sentiment_score":-0.13961275071814294},{"text":"Yep.","start":2215.305,"end":2215.545,"sentiment":"neutral","sentiment_score":0.2178053557872772},{"text":"Perfect.","start":2215.545,"end":2216.045,"sentiment":"positive","sentiment_score":0.44556376338005066},{"text":"Now when your superannuation has taken a bit of a drop there, does that make you quite concerned or cautious, or is it just that you do wanna ensure that it is growing and still suitable?","start":2217.065,"end":2226.8901,"sentiment":"neutral","sentiment_score":-0.07912600599229336}],"sentiment":"neutral","sentiment_score":-0.07830565848520823,"num_words":126,"start":2187.155,"end":2226.8901},{"sentences":[{"text":"Yes.","start":2249.7002,"end":2250.2002,"sentiment":"neutral","sentiment_score":-0.0948980301618576},{"text":"It's just that, yeah, what did occur with that along that you didn't feel like you were sort of properly informed with it.","start":2267.155,"end":2272.65,"sentiment":"negative","sentiment_score":-0.34292267360117124},{"text":"Yeah.","start":2294.905,"end":2295.405,"sentiment":"neutral","sentiment_score":-0.06753094494342804},{"text":"No.","start":2295.465,"end":2295.965,"sentiment":"neutral","sentiment_score":-0.26958560943603516},{"text":"Yeah.","start":2320.455,"end":2320.7751,"sentiment":"neutral","sentiment_score":0.012203440070152284}],"sentiment":"neutral","sentiment_score":-0.30766787545548546,"num_words":27,"start":2249.7002,"end":2320.7751},{"sentences":[{"text":"And I can let you know too that, obviously, it was quite a smaller company when you came on board.","start":2320.7751,"end":2326.0798,"sentiment":"neutral","sentiment_score":0.037339461781084535},{"text":"It has grown quite a bit, and a lot of the people that sort of, you know, were responsible for the interviews that you did receive and sort of the service that you sort of were getting for those, you know, first few years where you were sort of just it's sort of blindly trusting.","start":2326.0798,"end":2340.365,"sentiment":"neutral","sentiment_score":0.033293218690563335},{"text":"You know, a lot of them aren't around anymore, and they have updated the compliance and things like that as well and beefed out the the process to ensure that it doesn't sort of keep happening.","start":2340.9849,"end":2349.1648,"sentiment":"neutral","sentiment_score":-0.020081549055046506},{"text":"Obviously, with the Benelon that did occur with the corporate traveler, that's sort of something that was out of anyone's control.","start":2349.305,"end":2355.6,"sentiment":"neutral","sentiment_score":-0.3032352477312088},{"text":"But as far as, like, the service you may not have received since being on board, that comes down to, obviously, you know, how people were handling some of your annual reviews.","start":2355.6,"end":2365.84,"sentiment":"neutral","sentiment_score":-0.239517965586856}],"sentiment":"neutral","sentiment_score":-0.07425325977752303,"num_words":164,"start":2320.7751,"end":2365.84},{"sentences":[{"text":"So I do apologize for that.","start":2365.84,"end":2367.405,"sentiment":"neutral","sentiment_score":-0.25304823120435077},{"text":"We can only sort of try and change that moving forward if you did wanna stay with us.","start":2367.645,"end":2371.345,"sentiment":"neutral","sentiment_score":-0.06524932425883082},{"text":"Yep.","start":2383.42,"end":2383.92,"sentiment":"neutral","sentiment_score":0.11533959954977036},{"text":"Yeah.","start":2408.17,"end":2408.65,"sentiment":"neutral","sentiment_score":0.11155211180448532},{"text":"In in saying that in terms of, like, finding a right time, obviously, if the markets were a little less volatile, would probably be ideal in the sense that you won't get those, like, spikes or dips to where you could, like, lose out potentially.","start":2408.65,"end":2421.185,"sentiment":"neutral","sentiment_score":-0.11246185377240181}],"sentiment":"neutral","sentiment_score":-0.10600942158153359,"num_words":71,"start":2365.84,"end":2421.185},{"sentences":[{"text":"As far as, like, the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing.","start":2421.185,"end":2434.1501,"sentiment":"neutral","sentiment_score":-0.2946445383131504},{"text":"They haven't really sort of seen much sort of recovery in terms of, like, the dip that did occur, like, sort of hovering at the same amount.","start":2434.1501,"end":2441.1301,"sentiment":"neutral","sentiment_score":-0.33066058655579883},{"text":"So in terms of, like, the CGT amount, it would just offset the the sale of the other assets selling down to cash and moving across Australian super.","start":2442.47,"end":2450.265,"sentiment":"neutral","sentiment_score":-0.08456345368176699},{"text":"And then you'd just sort of be you know, there's no sort of timeline on when the the wars are gonna stop, which are sort of, you know, quite drivers in what's the volatility of the market and uncertainty, which has spiked, like, quite recently.","start":2450.9648,"end":2464.55,"sentiment":"neutral","sentiment_score":-0.20272373490863377},{"text":"So that's, like, the just the level of risk you'd be taking if you were to sort of roll out, now given that the time frames are selling down to cash and things like that as well.","start":2464.55,"end":2472.89,"sentiment":"neutral","sentiment_score":-0.33090841528531667}],"sentiment":"neutral","sentiment_score":-0.25387993634298994,"num_words":189,"start":2421.185,"end":2472.89},{"sentences":[{"text":"Yeah.","start":2493.54,"end":2494.04,"sentiment":"neutral","sentiment_score":-0.1029144525527954},{"text":"And as I did say as well, Ben, like, as a business decision, I'm moving away from Ben Long as well, which would be a part of, like, the updates.","start":2494.4202,"end":2503.125,"sentiment":"neutral","sentiment_score":-0.09011427064736684},{"text":"To monitor, like, what's going on, there's a thing called the the VIX index, like v I x, and it just sort of shows you the basically, what the markets are doing and, like, the volatility and expected sort of volatility in the the markets and what that sort of looks like.","start":2503.585,"end":2520.39,"sentiment":"neutral","sentiment_score":0.015478559483129244},{"text":"Yeah.","start":2529.5051,"end":2530.0051,"sentiment":"neutral","sentiment_score":0.032061539590358734},{"text":"Yeah.","start":2534.385,"end":2534.885,"sentiment":"neutral","sentiment_score":0.006405084393918514}],"sentiment":"neutral","sentiment_score":-0.023094010057256503,"num_words":85,"start":2493.54,"end":2534.885},{"sentences":[{"text":"A few, like, people have chosen to sort of hold it.","start":2535.0251,"end":2538.7852,"sentiment":"neutral","sentiment_score":-0.0672960291531953},{"text":"Obviously, in regards to an investment, if they lose sort of conviction, how it's gonna perform long term, it's like, is it worth waiting to see how they recover, or is it worth just being in something else that you know is gonna be performing better?","start":2538.7852,"end":2551.19,"sentiment":"neutral","sentiment_score":-0.10798001337958418},{"text":"Because you still could wait another three or so months for Benelung to try and sort of recoup some of those losses versus just, you know, taking the loss offsetting some of that capital gains and then just being an investment that is sort of performing and getting the return.","start":2551.57,"end":2565.465,"sentiment":"neutral","sentiment_score":-0.2144972947984934},{"text":"Even though you might be selling long, buying high, which is a bit of, like, you know, the cardinal sin, it's one of those things that it's is it worth sort of being on the the ship that may still be sinking, or is it worth just going on someone that is you know, you've got conviction in long term again that you're sort of hoping we'll just get those those long term returns?","start":2566.005,"end":2582.51,"sentiment":"neutral","sentiment_score":-0.27675316482782364},{"text":"Because as you said, you still got plenty of time on your side in terms of, like, your superannuation and, like, you know, recovering from, like, what has occurred in the the last sort of four months there with the.","start":2582.51,"end":2594.045,"sentiment":"neutral","sentiment_score":0.008838667953386902}],"sentiment":"neutral","sentiment_score":-0.16542257536286953,"num_words":221,"start":2535.0251,"end":2594.045},{"sentences":[{"text":"But in saying that it's just, yeah, one of those unfortunate things with the amount that you did lose in terms of a dollar figure.","start":2594.9048,"end":2601.085,"sentiment":"negative","sentiment_score":-0.34716915249824526},{"text":"But, yeah, moving forward, we'd probably look to changing it up if you were comfortable just using that to offset it.","start":2601.9448,"end":2608.4302,"sentiment":"neutral","sentiment_score":0.032909223721140905},{"text":"So if you were still thinking about, like, I've just you know, I don't feel like I'm getting them much out of the service and not utilizing it to what I'm sort of paying, then you can sort of just look at doing it when you're you're comfortable.","start":2608.4302,"end":2621.405,"sentiment":"neutral","sentiment_score":-0.1821363728183011},{"text":"But, yeah, there is a high amount of volatility in the market at the moment, which could it could mean that you could sort of make money in the sense that if you sold the cash and then the markets took a dip and you're buying into Australian Super at the dip, it would benefit you.","start":2621.545,"end":2634.51,"sentiment":"neutral","sentiment_score":-0.07749529462307692},{"text":"But if it goes the other way and the market sort of do do a little bit of a jump in that period, when you have sold the cash, you just miss out on those potential gains as well, which unless they're sort of significant and significant, it's not sort of crazy.","start":2634.51,"end":2647.945,"sentiment":"neutral","sentiment_score":-0.2689523583707901}],"sentiment":"neutral","sentiment_score":-0.17354425813744564,"num_words":202,"start":2594.9048,"end":2647.945},{"sentences":[{"text":"And that market may be a few percent over a couple of weeks that you might miss out on if it was to sort of go up in that that time frame versus, like, the the the CGT cost that you would be paying is sort of gonna be roughly the same depending on how your portfolio does perform.","start":2648.405,"end":2666.8198,"sentiment":"neutral","sentiment_score":-0.0704304880099529},{"text":"So we can get you the the CGT that's liable at the moment and what that might look at.","start":2667.1199,"end":2672.3198,"sentiment":"neutral","sentiment_score":0.03667908671655153},{"text":"And I can just email you a document.","start":2672.3198,"end":2673.8398,"sentiment":"neutral","sentiment_score":0.15093261562287807},{"text":"If you wanna sort of look at moving on, that's perfectly fine.","start":2673.8398,"end":2678.095,"sentiment":"neutral","sentiment_score":0.29479393859704334},{"text":"I can just refer you on to the the case management department.","start":2678.095,"end":2680.895,"sentiment":"neutral","sentiment_score":0.2392545168598493}],"sentiment":"neutral","sentiment_score":0.037795874959027226,"num_words":110,"start":2648.405,"end":2680.895},{"sentences":[{"text":"They can sort of answer any other questions you have and the the process and assist you if you'd like to go that way, or we can just show you sort of what an investment update might look like.","start":2680.895,"end":2689.795,"sentiment":"neutral","sentiment_score":0.2576120438484045},{"text":"And then if you're happy with that and staying on board.","start":2690.43,"end":2692.93,"sentiment":"positive","sentiment_score":0.5120237862521951},{"text":"Yeah.","start":2702.605,"end":2703.0051,"sentiment":"neutral","sentiment_score":0.08002765476703644},{"text":"I'll put the reports together in terms of, like, what you requested.","start":2703.0051,"end":2707.2651,"sentiment":"neutral","sentiment_score":0.12175088251630466},{"text":"I'll give you the the capital gains that's liable at the the moment and what that might look like.","start":2707.405,"end":2712.365,"sentiment":"neutral","sentiment_score":0.08604227604442521}],"sentiment":"neutral","sentiment_score":0.2299386932764475,"num_words":82,"start":2680.895,"end":2712.365},{"sentences":[{"text":"And then also just that little comparison to, like, as I said, it's quite a bit lower in terms of, like, the the option for Australian Super that's comparing to based on, like, the asset allocation.","start":2712.365,"end":2723.5,"sentiment":"neutral","sentiment_score":0.03425513967199044},{"text":"Obviously, like, being in their high growth is a bit more aggressively invested, which is why it sort of has gotten those higher rolling average returns, which is fine.","start":2725.4,"end":2734.4548,"sentiment":"neutral","sentiment_score":0.2046844638113318},{"text":"It's probably the one you may have picked anywhere.","start":2734.4548,"end":2736.4749,"sentiment":"neutral","sentiment_score":0.1569441987408532},{"text":"That's something to just be mindful of as well that it would be, slightly more exposed in, like, your your current portfolio there as well.","start":2737.015,"end":2743.99,"sentiment":"neutral","sentiment_score":0.01934242531657219},{"text":"But do you have any other questions for me there, Hina, in regards to to any of that?","start":2745.57,"end":2749.51,"sentiment":"neutral","sentiment_score":0.0421411692061358}],"sentiment":"neutral","sentiment_score":0.0839626832992539,"num_words":117,"start":2712.365,"end":2749.51},{"sentences":[{"text":"Yep.","start":2752.305,"end":2752.7048,"sentiment":"neutral","sentiment_score":0.17551133036613464},{"text":"Do do you feel like at least obviously, you're still kind of disappointed in what has occurred, but do you feel like you wanna make sort of a a complaint that's addressed further, or do you feel like you've at least gotten an answer of what has occurred based on this phone call and are happy just to receive the information?","start":2752.7048,"end":2768.54,"sentiment":"neutral","sentiment_score":-0.07177617107747031},{"text":"Or Yeah.","start":2769.48,"end":2788.795,"sentiment":"neutral","sentiment_score":0.04114586487412453},{"text":"Yes.","start":2805.605,"end":2806.105,"sentiment":"neutral","sentiment_score":0.04286333546042442},{"text":"Yep.","start":2823.46,"end":2823.96,"sentiment":"neutral","sentiment_score":-0.04249217361211777}],"sentiment":"neutral","sentiment_score":-0.062426851723681794,"num_words":66,"start":2752.305,"end":2823.96},{"sentences":[{"text":"And if you'd still like to to raise that as a complaint to like, obviously, I am just one of the newer financial advisers that so within regards that, if you feel like you haven't been, like, receiving the service and would like to escalate that, I can pass it on to, like, our complaints department in terms of, like, what has occurred, and they can just sort of review that and see where things are at.","start":2824.26,"end":2848.3098,"sentiment":"neutral","sentiment_score":-0.033980617783479876},{"text":"Okay.","start":2855.65,"end":2856.05,"sentiment":"neutral","sentiment_score":-0.13000553846359253},{"text":"That's not a problem, Nina.","start":2856.05,"end":2857.455,"sentiment":"neutral","sentiment_score":0.007033319771289825},{"text":"Well, all I can do is apologize for, you know, what what did occur there.","start":2857.935,"end":2861.375,"sentiment":"neutral","sentiment_score":-0.06657046948870023},{"text":"I'll get you all those reports.","start":2861.375,"end":2862.5752,"sentiment":"neutral","sentiment_score":0.10234074667096138}],"sentiment":"neutral","sentiment_score":-0.029767875684998356,"num_words":104,"start":2824.26,"end":2862.5752},{"sentences":[{"text":"If you feel like you still just wanna roll out, just feel free to let me know, and I'll just refer you on to that that case management department that can assist you in that.","start":2862.5752,"end":2870.46,"sentiment":"neutral","sentiment_score":0.09579302562134606},{"text":"Otherwise, if you do wanna look at what the update might look like, I'll hold on for now just until you sort of make a decision, but then I can just make a a note and get that started, that process if you do wanna look like what a a portfolio update might look like.","start":2871.02,"end":2883.76,"sentiment":"neutral","sentiment_score":0.10148899670351635},{"text":"Okay.","start":2898.02,"end":2898.52,"sentiment":"neutral","sentiment_score":0.122828871011734},{"text":"Well, with that one, just I'll get them to do the research.","start":2898.58,"end":2901.62,"sentiment":"neutral","sentiment_score":0.1657221851249536},{"text":"I'll sort of put it to the top of the the pile for you, and it may still take a little bit then to to get the report and everything together because we'd put it together in a statement of advice.","start":2901.62,"end":2910.26,"sentiment":"neutral","sentiment_score":0.15069738621028458}],"sentiment":"neutral","sentiment_score":0.11961624057342608,"num_words":144,"start":2862.5752,"end":2910.26},{"sentences":[{"text":"We wouldn't just sort of give you, like, a a portfolio just to show you what that might look like.","start":2910.26,"end":2914.645,"sentiment":"neutral","sentiment_score":0.07660756204277278},{"text":"We'll just do it based on the portfolio update because you don't really wanna address any other goals at this stage.","start":2914.645,"end":2919.545,"sentiment":"neutral","sentiment_score":0.05442449849631105},{"text":"And then I'll hopefully sort of get to that as quick as possible and get that through for you.","start":2920.405,"end":2924.88,"sentiment":"neutral","sentiment_score":0.25701774264636795},{"text":"And then, yeah, from there, you'll have all your reports.","start":2924.96,"end":2927.44,"sentiment":"neutral","sentiment_score":0.24884968250989914},{"text":"You'll have the what the update looks like.","start":2927.44,"end":2929.6199,"sentiment":"neutral","sentiment_score":0.3029428906738758}],"sentiment":"neutral","sentiment_score":0.15987747141088432,"num_words":78,"start":2910.26,"end":2929.6199},{"sentences":[{"text":"And then if you feel like you still wanna move on, that's more than more than fine.","start":2929.68,"end":2933.46,"sentiment":"neutral","sentiment_score":0.32611357289202075},{"text":"No problem, Hina.","start":2935.2,"end":2936.0,"sentiment":"positive","sentiment_score":0.4161324699719747},{"text":"Was there anything else you wanna have a chat about or anything you feel like I have an answer there for you today?","start":2936.0,"end":2939.655,"sentiment":"neutral","sentiment_score":0.24715837512327277},{"text":"No problem.","start":2942.295,"end":2943.035,"sentiment":"neutral","sentiment_score":0.22467231005430222},{"text":"Well, again, apologies, Hina, but, obviously, I'll try and sort of get on to this and get this sorted to show you what that might look like moving forward.","start":2943.655,"end":2951.627,"sentiment":"neutral","sentiment_score":0.1256451054379858}],"sentiment":"neutral","sentiment_score":0.2239192358746722,"num_words":74,"start":2929.68,"end":2951.627},{"sentences":[{"text":"Otherwise, you enjoy the rest of your day.","start":2951.687,"end":2953.127,"sentiment":"positive","sentiment_score":0.6211519539356232},{"text":"Thanks for your time.","start":2953.127,"end":2953.767,"sentiment":"positive","sentiment_score":0.524791494011879},{"text":"I know it was a bit long winded for you.","start":2953.767,"end":2955.787,"sentiment":"neutral","sentiment_score":-0.025846492499113083},{"text":"No problem, Hannah.","start":2958.567,"end":2959.367,"sentiment":"positive","sentiment_score":0.3722286323706309},{"text":"Thank you.","start":2959.367,"end":2959.847,"sentiment":"positive","sentiment_score":0.5727820992469788}],"sentiment":"positive","sentiment_score":0.33600617696841556,"num_words":27,"start":2951.687,"end":2959.847},{"sentences":[{"text":"Bye.","start":2959.847,"end":2960.347,"sentiment":"positive","sentiment_score":0.35057395696640015}],"sentiment":"positive","sentiment_score":0.35057395696640015,"num_words":1,"start":2959.847,"end":2960.347}]}}]},{"alternatives":[{"transcript":"Hello. Christina speaking. Yeah. Good. Thanks, pal. How are you? That's good. All good. Yes. Yep. Yes. My name is Calcutta. Date of birth, 03/28/1993. And was it sorry. Address? Yep. 4 Uxbridge Avenue, Doncaster 310 eight. Mhmm. Mhmm. Yep. That's really fine. That one in there. Protection. Yeah. I'm not sure if I actually received the the the quarter end of year. I maybe maybe I just lost it, but was it sent through? Right. It should have Probably Mhmm. Mhmm. Yes. Yeah. Well yeah. I think she told me over the phone that I'm in a old portfolio and I wasn't yeah. So that should be changed during this meetup. And I think one of the, I guess, concern was yeah. So, obviously, it's not performing well. And, yeah, I thought from how, you know, I feel how you guys are going out, I just wanted to get, I guess, numbers and I wanted to compare. I have some numbers here for, you know, just the, you know, relatively well performing super fun like Australian super fun. I've got the and I'm, like, both the fees and the performance. And so, yeah, I think in this phone call, I just wanted to compare and whether, you know, it's still good for me to continue with you guys or whether, you know, I should They have an unknown And as a been long. Yep. It's around 9.1, I think. I think they're on 9.1. Yeah. Yes. No. I do. I think, yeah, because I'm just not that, I guess, versed in this kind of area or, like, finance and super, like yeah. I think I I kinda wish that, yeah, when things were kind of starting to go south a little bit, like like, I wish I I didn't really hear anything about this festival in December, was it, that you said we had like, I had a last call? Yeah. I did. And I and I just thought, like, if it was a concern, like, you know, I thought you guys would take action because, like, I just kind of left it so that, you know, I'd leave it to the professionals to kind of yeah. To, you know, to better deal with these things. So I kind of I think I kinda just feel like yeah. Like, I haven't yeah. I guess so. Because I think with, like yeah. People like GrowView and stuff, you know, there was a startup fee and, obviously, you know, other super funds, like, you know, these general super funds don't really charge for those kind of stuff. So I was kind of expecting that, you know, you guys would be kind of being proactive to, you know, either call me to change or you know? So, yeah, I think that was partly my fault for not really, I don't know, just taking action. But I think yeah. But Absolutely. Mhmm. Yep. Yes. Right. Yeah. Yeah. So I think, yeah, that's another thing. Like, because it has dipped so much whether yeah. Like yeah. No. I think yeah. No. I kinda wish that, yeah, we had this one got a little bit earlier just because of the high percentage of been along in my account. So I think there's a bit of quite a, you know, sense of disappointment there that, you know, I wish there was a bit of action taken beforehand. Yes. No. I don't think it was. So I guess sorry. Could I just have a bit of a, I guess, rundown of my current account? The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right now. Yep. Yep. Mhmm. Yep. Yeah. Yes. Yeah. So yeah. I guess, like, yeah, it would be great to, yeah, get that report, and I'm not sure if I wouldn't mind again. Sorry. I I could find it, but just like a breakdown of your as well, both, you know, just the annual and the percentage of account balance plus investment fee and the transaction cost. Yeah. I think yep. Yep. Yep. Yep. Yep. That would be great. Mhmm. Yep. Yes. Yeah. Would you be able to give, like, a, like, approximately how much the total fee was for even the last year. Yep. Last financial year is fine. Yes. Okay. So so did you save around 1.7? Okay. Twelve months. Okay. I think just from kinda reviewing yeah. I guess doing my own research and just comparing with my partners, etcetera. I think it may be best for me to move Superfund. That would be great. Yep. Mhmm. Yes. So yeah. Yeah. I wouldn't mind talking to the, yeah, the team to just kinda see how that works and yeah. Just yeah. That would be great. Yep. Yes. Yeah. I guess, like, if I was to move the funds, I guess, because there's been quite a lot of, yeah, loss that has happened. Like, I just want to move at the best time possible, you know, not at the worst time to move. So I guess something that's something that I wouldn't mind discussing with with someone at Oakview just to get their view on that. Just to, yeah, kinda minimize the loss. Because I'm not in a rush to move, but it's I think ideally with the with the fees involved and the kind of yeah. I guess, like, the not, like, not lack of information, but the disappointment that I feel from the service. Like, I really would have preferred to just stay because it makes everything easier for me. But just from looking comparing everything from performance and the fees, I think, yeah, it does make sense for me to move. But I do want to, yeah, get the best advice, you know, till the end and see when is the best probably the a better time to move. So that would be something that I would I would mind discussing with someone. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Okay. Okay. Alright. Well, I'm happy to organize a annual review because a lot has happened since then, and I just kinda feel like whatever stuff that I had with, you know, somewhat the end of last year wasn't I I guess it wasn't very helpful. So, like, I wouldn't mind, yeah, doing an annual review as soon as possible. And then I think you in that one, yeah, kinda just go over kinda what you told me today. But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as well. Evan. Okay. And maybe take it. Yeah. Sure. If if it doesn't take, I don't know how long this that this chat's gonna take. If you can give me, like, an estimated, like, duration, I might be able to. Yeah. Yep. That's fine. Finago.s@icloud.com. Yep. I'll leave that for now. Yep. Yes. I am. No. Yes. Dramatically reduced in the last couple of years. So, like, probably fifteen. It kind of self or in yeah. In health and self employed kind of system. Like, it's yeah. We have a rough kind of contrast, but but it's because it's health. Like, you know, we can you know, it just it just changes according to, you know, what they're going through. So it's not really part time. It's yeah. Yeah. So that has also decreased, I said, in the last two years. I've just cut down. So at the moment, we're looking at, like, only 90. So there's been a bit of a, yeah, change. Yes. I think it has decreased a little bit to around, like, $1.70 a week in terms of, yeah, a contribution. But I think it's a bit less than what it used to be. Savings hasn't changed that much. The expenses have gone up. It would be sorry. Give me one second. Maybe one one one point one k each each week, $1.50. Oh, sorry. For income? Oh, superannuation. Right. Right. No. Not at this stage. No. Yes. I yes. I I think so. Yeah. You yes. Mhmm. Mhmm. 680. That's right. Mhmm. No idea. I'm assuming it'd be around 15. Mhmm. Yep. Savings. Actually, yes. Yep. Yes. No. Nothing. No. No. I haven't. Not not really. I think yeah. In terms of house yeah. And my partner's on a relatively decent wage, so he's kind of got those things sorted. But for me, personally, I think it's just whatever I can put to pay down the current mortgage. That's kind of probably the the goal. But, yeah, not much else. Oh, wouldn't be together. No. Yeah. No. I don't think I would prefer to yeah. Retire earlier. No. Nothing has changed. No. I think I'll just leave it as is. Mhmm. Yep. Yep. Mhmm. None. Yes. Yes. Yes. I guess, modestly. Again, I don't really have an opinion on this. I would just prefer to leave it to people who know better. Mhmm. Mhmm. Mhmm. Mhmm. Having. Yep. I think having a I would prefer a balanced portfolio. So some that are relatively passive, but some I don't mind still being targeted for, I guess, high possibly high growth. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yes. Yep. Oh, in the past, it hasn't because I understand, like, this is for a longer you know, it's a long investment, long term investment. So it doesn't get me, but I think it's been a long end. I guess, just kind of being left as is, I think, yeah, made me feel a bit, you know, quite anxious about it. So yeah. So it's only really when things like this happens and, you know, things weren't done to change. Every other time, like, you know, I understand the, you know, the fall and the rise of the stock. So I'm not I'm usually never that, you know, anxious about it at all, to be honest. So it was just mhmm. Yeah. And I think yeah. Like, I I really do just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not. That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person. So I think, yeah, I just felt like I left it, and then now it's this is where we are and I think that's why I feel a little bit, yeah, I I guess disappointed. So usually, yeah, as I said, I'm not even if it did, like, it it's fine, but it's been going on for a bit too long and I just kinda thought you guys just left it because you guys think it would bounce back up or what for whatever reason, I just kinda trusted the, I guess, the professionals. So yeah. Yeah. So, yeah, I wouldn't mind just, yeah, receiving the report after this, and then I'll look. I am still leaning towards just scrolling over to AustralianSuper, but, again, like, I wouldn't mind just kind of, yeah, discussing if that was to happen, when would be, you know, a better time than, you know, worse? Just timing it in a way that I'm not leaving, I I I guess, in the worst time possible. So, yeah, that's something that I I wouldn't know. So it'd be nice to get, like, a professional's advice on it. Of course. Yep. Yes. Of course. The vault? Yeah. Yeah. So, yeah, I was I was thinking, like, if if I was to roll over then, it probably now probably would be not ideal just as you said of the volatility. So, yeah, I wouldn't just mind waiting out a little bit because I don't know if Bennelong's gonna actually perform worse than they are. But yeah. Mhmm. Which Mhmm. Yeah. So yeah. So yeah. With with the your, I guess, your company's direction. So if I have a pretty big portion in Bennelong, would you guys be, what, selling now? Or, like, how how yeah. Yep. Yep. Yeah. Yep. Mhmm. Yep. Yes. Okay. Mhmm. Okay. Yep. Okay. Sure. Yeah. So let's do that. So, yeah, I'll grab the, if it's okay with you, the updated like, what what it'll look like. Yep. Mhmm. Yes. No. No. All good. Thank you. You can find it. Yeah. I think, yeah, I think you mentioned a couple of times now that, you know, your company has grown and, you know, it has changed. And I feel like, I guess, as people that are receiving the service, like, it doesn't really like, none of that really matters as long as, like, you know, like, I just kind of if there was gonna be less service that we'll be receiving or whatever, like, I would kind of prefer to have known that because change of personnel and stuff that's, you know, that's not really our consent or, you know, it's not really a problem. So, yeah, I think yeah. Just generally, I just feel quite disappointed considering the fees that we pay and just to trust that I'm getting, like, professionals to kind of, you know, assault my super app and just knowing that it's in safe hands. But then I just yeah. I just felt yeah. I'd be disappointed. Thank you. No. It's alright. It's okay. It's not really gonna change any outcome for me. So but I don't mind. Yep. Yep. Right. Mhmm. Yep. Yeah. Look. I wouldn't mind look looking at it. And yeah. I I would prefer to, yeah, see what that update might look like first. And then, yeah, and then I'll have a bit of a think in the next week or so. Mhmm. Yep. Yep. Mhmm. Yep. Cool. Thank you. No. All good. Thank you. Alright. Yep. Okay. No. That's all good. Thank you so much for your time as well. Alright. Thank you. 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Christina speaking. Yeah. Good. Thanks, pal.\n\nHow are you? That's good. All good. Yes. Yep.\n\nYes. My name is Calcutta. Date of birth, 03/28/1993. And was it sorry. Address?\n\nYep. 4 Uxbridge Avenue, Doncaster 310 eight. Mhmm. Mhmm. Yep.\n\nThat's really fine. That one in there. Protection. Yeah. I'm not sure if I actually received the the the quarter end of year.\n\nI maybe maybe I just lost it, but was it sent through? Right. It should have Probably Mhmm. Mhmm. Yes.\n\nYeah. Well yeah. I think she told me over the phone that I'm in a old portfolio and I wasn't yeah. So that should be changed during this meetup. And I think one of the, I guess, concern was yeah.\n\nSo, obviously, it's not performing well. And, yeah, I thought from how, you know, I feel how you guys are going out, I just wanted to get, I guess, numbers and I wanted to compare. I have some numbers here for, you know, just the, you know, relatively well performing super fun like Australian super fun. I've got the and I'm, like, both the fees and the performance. And so, yeah, I think in this phone call, I just wanted to compare and whether, you know, it's still good for me to continue with you guys or whether, you know, I should They have an unknown And as a been long.\n\nYep. It's around 9.1, I think. I think they're on 9.1. Yeah. Yes.\n\nNo. I do. I think, yeah, because I'm just not that, I guess, versed in this kind of area or, like, finance and super, like yeah. I think I I kinda wish that, yeah, when things were kind of starting to go south a little bit, like like, I wish I I didn't really hear anything about this festival in December, was it, that you said we had like, I had a last call? Yeah.\n\nI did. And I and I just thought, like, if it was a concern, like, you know, I thought you guys would take action because, like, I just kind of left it so that, you know, I'd leave it to the professionals to kind of yeah. To, you know, to better deal with these things. So I kind of I think I kinda just feel like yeah. Like, I haven't yeah.\n\nI guess so. Because I think with, like yeah. People like GrowView and stuff, you know, there was a startup fee and, obviously, you know, other super funds, like, you know, these general super funds don't really charge for those kind of stuff. So I was kind of expecting that, you know, you guys would be kind of being proactive to, you know, either call me to change or you know? So, yeah, I think that was partly my fault for not really, I don't know, just taking action.\n\nBut I think yeah. But Absolutely. Mhmm. Yep. Yes.\n\nRight. Yeah. Yeah. So I think, yeah, that's another thing. Like, because it has dipped so much whether yeah.\n\nLike yeah. No. I think yeah. No. I kinda wish that, yeah, we had this one got a little bit earlier just because of the high percentage of been along in my account.\n\nSo I think there's a bit of quite a, you know, sense of disappointment there that, you know, I wish there was a bit of action taken beforehand. Yes. No. I don't think it was. So I guess sorry.\n\nCould I just have a bit of a, I guess, rundown of my current account? The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right now. Yep. Yep. Mhmm.\n\nYep. Yeah. Yes. Yeah. So yeah.\n\nI guess, like, yeah, it would be great to, yeah, get that report, and I'm not sure if I wouldn't mind again. Sorry. I I could find it, but just like a breakdown of your as well, both, you know, just the annual and the percentage of account balance plus investment fee and the transaction cost. Yeah. I think yep.\n\nYep. Yep. Yep. Yep. That would be great.\n\nMhmm. Yep. Yes. Yeah. Would you be able to give, like, a, like, approximately how much the total fee was for even the last year.\n\nYep. Last financial year is fine. Yes. Okay. So so did you save around 1.7?\n\nOkay. Twelve months. Okay. I think just from kinda reviewing yeah. I guess doing my own research and just comparing with my partners, etcetera.\n\nI think it may be best for me to move Superfund. That would be great. Yep. Mhmm. Yes.\n\nSo yeah. Yeah. I wouldn't mind talking to the, yeah, the team to just kinda see how that works and yeah. Just yeah. That would be great.\n\nYep. Yes. Yeah. I guess, like, if I was to move the funds, I guess, because there's been quite a lot of, yeah, loss that has happened. Like, I just want to move at the best time possible, you know, not at the worst time to move.\n\nSo I guess something that's something that I wouldn't mind discussing with with someone at Oakview just to get their view on that. Just to, yeah, kinda minimize the loss. Because I'm not in a rush to move, but it's I think ideally with the with the fees involved and the kind of yeah. I guess, like, the not, like, not lack of information, but the disappointment that I feel from the service. Like, I really would have preferred to just stay because it makes everything easier for me.\n\nBut just from looking comparing everything from performance and the fees, I think, yeah, it does make sense for me to move. But I do want to, yeah, get the best advice, you know, till the end and see when is the best probably the a better time to move. So that would be something that I would I would mind discussing with someone. Mhmm. Mhmm.\n\nYes. Mhmm. Mhmm. Okay. Okay.\n\nAlright. Well, I'm happy to organize a annual review because a lot has happened since then, and I just kinda feel like whatever stuff that I had with, you know, somewhat the end of last year wasn't I I guess it wasn't very helpful. So, like, I wouldn't mind, yeah, doing an annual review as soon as possible. And then I think you in that one, yeah, kinda just go over kinda what you told me today. But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as well.\n\nEvan. Okay. And maybe take it. Yeah. Sure.\n\nIf if it doesn't take, I don't know how long this that this chat's gonna take. If you can give me, like, an estimated, like, duration, I might be able to. Yeah. Yep. That's fine.\n\nFinago.s@icloud.com. Yep. I'll leave that for now. Yep. Yes.\n\nI am. No. Yes. Dramatically reduced in the last couple of years. So, like, probably fifteen.\n\nIt kind of self or in yeah. In health and self employed kind of system. Like, it's yeah. We have a rough kind of contrast, but but it's because it's health. Like, you know, we can you know, it just it just changes according to, you know, what they're going through.\n\nSo it's not really part time. It's yeah. Yeah. So that has also decreased, I said, in the last two years. I've just cut down.\n\nSo at the moment, we're looking at, like, only 90. So there's been a bit of a, yeah, change. Yes. I think it has decreased a little bit to around, like, $1.70 a week in terms of, yeah, a contribution. But I think it's a bit less than what it used to be.\n\nSavings hasn't changed that much. The expenses have gone up. It would be sorry. Give me one second. Maybe one one one point one k each each week, $1.50.\n\nOh, sorry. For income? Oh, superannuation. Right. Right.\n\nNo. Not at this stage. No. Yes. I yes.\n\nI I think so. Yeah. You yes. Mhmm. Mhmm.\n\n680. That's right. Mhmm. No idea. I'm assuming it'd be around 15.\n\nMhmm. Yep. Savings. Actually, yes. Yep.\n\nYes. No. Nothing. No. No.\n\nI haven't. Not not really. I think yeah. In terms of house yeah. And my partner's on a relatively decent wage, so he's kind of got those things sorted.\n\nBut for me, personally, I think it's just whatever I can put to pay down the current mortgage. That's kind of probably the the goal. But, yeah, not much else. Oh, wouldn't be together. No.\n\nYeah. No. I don't think I would prefer to yeah. Retire earlier. No.\n\nNothing has changed. No. I think I'll just leave it as is. Mhmm. Yep.\n\nYep. Mhmm. None. Yes. Yes.\n\nYes. I guess, modestly. Again, I don't really have an opinion on this. I would just prefer to leave it to people who know better. Mhmm.\n\nMhmm. Mhmm. Mhmm. Having. Yep.\n\nI think having a I would prefer a balanced portfolio. So some that are relatively passive, but some I don't mind still being targeted for, I guess, high possibly high growth. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYes. Yep. Oh, in the past, it hasn't because I understand, like, this is for a longer you know, it's a long investment, long term investment. So it doesn't get me, but I think it's been a long end. I guess, just kind of being left as is, I think, yeah, made me feel a bit, you know, quite anxious about it.\n\nSo yeah. So it's only really when things like this happens and, you know, things weren't done to change. Every other time, like, you know, I understand the, you know, the fall and the rise of the stock. So I'm not I'm usually never that, you know, anxious about it at all, to be honest. So it was just mhmm.\n\nYeah. And I think yeah. Like, I I really do just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not. That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person. So I think, yeah, I just felt like I left it, and then now it's this is where we are and I think that's why I feel a little bit, yeah, I I guess disappointed.\n\nSo usually, yeah, as I said, I'm not even if it did, like, it it's fine, but it's been going on for a bit too long and I just kinda thought you guys just left it because you guys think it would bounce back up or what for whatever reason, I just kinda trusted the, I guess, the professionals. So yeah. Yeah. So, yeah, I wouldn't mind just, yeah, receiving the report after this, and then I'll look. I am still leaning towards just scrolling over to AustralianSuper, but, again, like, I wouldn't mind just kind of, yeah, discussing if that was to happen, when would be, you know, a better time than, you know, worse?\n\nJust timing it in a way that I'm not leaving, I I I guess, in the worst time possible. So, yeah, that's something that I I wouldn't know. So it'd be nice to get, like, a professional's advice on it. Of course. Yep.\n\nYes. Of course. The vault? Yeah. Yeah.\n\nSo, yeah, I was I was thinking, like, if if I was to roll over then, it probably now probably would be not ideal just as you said of the volatility. So, yeah, I wouldn't just mind waiting out a little bit because I don't know if Bennelong's gonna actually perform worse than they are. But yeah. Mhmm. Which Mhmm.\n\nYeah. So yeah. So yeah. With with the your, I guess, your company's direction. So if I have a pretty big portion in Bennelong, would you guys be, what, selling now?\n\nOr, like, how how yeah. Yep. Yep. Yeah. Yep.\n\nMhmm. Yep. Yes. Okay. Mhmm.\n\nOkay. Yep. Okay. Sure. Yeah.\n\nSo let's do that. So, yeah, I'll grab the, if it's okay with you, the updated like, what what it'll look like. Yep. Mhmm. Yes.\n\nNo. No. All good. Thank you. You can find it.\n\nYeah. I think, yeah, I think you mentioned a couple of times now that, you know, your company has grown and, you know, it has changed. And I feel like, I guess, as people that are receiving the service, like, it doesn't really like, none of that really matters as long as, like, you know, like, I just kind of if there was gonna be less service that we'll be receiving or whatever, like, I would kind of prefer to have known that because change of personnel and stuff that's, you know, that's not really our consent or, you know, it's not really a problem. So, yeah, I think yeah. Just generally, I just feel quite disappointed considering the fees that we pay and just to trust that I'm getting, like, professionals to kind of, you know, assault my super app and just knowing that it's in safe hands.\n\nBut then I just yeah. I just felt yeah. I'd be disappointed. Thank you. No.\n\nIt's alright. It's okay. It's not really gonna change any outcome for me. So but I don't mind. Yep.\n\nYep. Right. Mhmm. Yep. Yeah.\n\nLook. I wouldn't mind look looking at it. And yeah. I I would prefer to, yeah, see what that update might look like first. And then, yeah, and then I'll have a bit of a think in the next week or so.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nCool. Thank you. No. All good. Thank you.\n\nAlright. Yep. Okay. No. That's all good.\n\nThank you so much for your time as well. Alright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03865663334727287},{"text":"Christina speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.035039862617850304},{"text":"Yeah.","start":5.8399997,"end":6.08,"sentiment":"neutral","sentiment_score":0.26548048853874207},{"text":"Good.","start":6.08,"end":6.24,"sentiment":"positive","sentiment_score":0.5447355508804321},{"text":"Thanks, pal.","start":6.24,"end":6.7999997,"sentiment":"positive","sentiment_score":0.6155151724815369}],"sentiment":"neutral","sentiment_score":0.3071403918521745,"num_words":7,"start":0.39999998,"end":6.7999997},{"sentences":[{"text":"How are you?","start":6.7999997,"end":7.54,"sentiment":"positive","sentiment_score":0.4448996086915334},{"text":"That's good.","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.5751183331012726},{"text":"All good.","start":10.559999,"end":11.219999,"sentiment":"positive","sentiment_score":0.616561233997345},{"text":"Yes.","start":20.255001,"end":20.735,"sentiment":"neutral","sentiment_score":0.2362377792596817},{"text":"Yep.","start":20.735,"end":21.235,"sentiment":"positive","sentiment_score":0.3549805283546448}],"sentiment":"positive","sentiment_score":0.4788084742095735,"num_words":9,"start":6.7999997,"end":21.235},{"sentences":[{"text":"Yes.","start":28.59,"end":28.83,"sentiment":"neutral","sentiment_score":0.09482651948928832},{"text":"My name is Calcutta.","start":28.83,"end":29.810001,"sentiment":"neutral","sentiment_score":0.06854021083563566},{"text":"Date of birth, 03/28/1993.","start":30.11,"end":32.43,"sentiment":"neutral","sentiment_score":0.035426908172667027},{"text":"And was it sorry.","start":32.43,"end":33.31,"sentiment":"neutral","sentiment_score":0.009686618228442967},{"text":"Address?","start":33.31,"end":33.81,"sentiment":"neutral","sentiment_score":0.0052770329639315605}],"sentiment":"neutral","sentiment_score":0.03962275010001447,"num_words":14,"start":28.59,"end":33.81},{"sentences":[{"text":"Yep.","start":35.15,"end":35.65,"sentiment":"neutral","sentiment_score":0.05362052842974663},{"text":"4 Uxbridge Avenue, Doncaster 310 eight.","start":35.71,"end":43.145,"sentiment":"neutral","sentiment_score":0.04802291343609492},{"text":"Mhmm.","start":43.145,"end":43.645,"sentiment":"neutral","sentiment_score":0.003332083113491535},{"text":"Mhmm.","start":43.864998,"end":44.364998,"sentiment":"neutral","sentiment_score":0.012393549084663393},{"text":"Yep.","start":45.385,"end":45.785,"sentiment":"neutral","sentiment_score":0.08592496812343597}],"sentiment":"neutral","sentiment_score":0.0443408609367907,"num_words":10,"start":35.15,"end":45.785},{"sentences":[{"text":"That's really fine.","start":45.785,"end":46.845,"sentiment":"neutral","sentiment_score":0.10406956573327382},{"text":"That one in there.","start":56.28,"end":57.34,"sentiment":"neutral","sentiment_score":-0.027012105099856853},{"text":"Protection.","start":64.28,"end":64.78,"sentiment":"neutral","sentiment_score":-0.03624743968248367},{"text":"Yeah.","start":73.755,"end":74.155,"sentiment":"neutral","sentiment_score":-0.06987495720386505},{"text":"I'm not sure if I actually received the the the quarter end of year.","start":74.155,"end":78.235,"sentiment":"neutral","sentiment_score":-0.16515192815235682}],"sentiment":"neutral","sentiment_score":-0.0962647440964761,"num_words":23,"start":45.785,"end":78.235},{"sentences":[{"text":"I maybe maybe I just lost it, but was it sent through?","start":78.235,"end":82.76,"sentiment":"neutral","sentiment_score":-0.20011774823069572},{"text":"Right.","start":103.23499,"end":103.73499,"sentiment":"neutral","sentiment_score":0.03143153339624405},{"text":"It should have Probably Mhmm.","start":104.994995,"end":113.95,"sentiment":"neutral","sentiment_score":0.019353919476270676},{"text":"Mhmm.","start":114.89,"end":115.39,"sentiment":"neutral","sentiment_score":-0.02610808238387108},{"text":"Yes.","start":138.44,"end":138.94,"sentiment":"neutral","sentiment_score":0.01960425078868866}],"sentiment":"neutral","sentiment_score":-0.11398578397929668,"num_words":20,"start":78.235,"end":138.94},{"sentences":[{"text":"Yeah.","start":140.2,"end":140.59999,"sentiment":"neutral","sentiment_score":-0.02059154212474823},{"text":"Well yeah.","start":140.59999,"end":141.31999,"sentiment":"neutral","sentiment_score":-0.0891023613512516},{"text":"I think she told me over the phone that I'm in a old portfolio and I wasn't yeah.","start":141.31999,"end":147.16,"sentiment":"neutral","sentiment_score":-0.20016760544644463},{"text":"So that should be changed during this meetup.","start":147.16,"end":150.94499,"sentiment":"neutral","sentiment_score":-0.23026290349662304},{"text":"And I think one of the, I guess, concern was yeah.","start":152.205,"end":155.165,"sentiment":"neutral","sentiment_score":-0.28992202200672845}],"sentiment":"neutral","sentiment_score":-0.22082646582275628,"num_words":40,"start":140.2,"end":155.165},{"sentences":[{"text":"So, obviously, it's not performing well.","start":155.165,"end":157.165,"sentiment":"negative","sentiment_score":-0.6101075112819672},{"text":"And, yeah, I thought from how, you know, I feel how you guys are going out, I just wanted to get, I guess, numbers and I wanted to compare.","start":157.165,"end":164.87,"sentiment":"neutral","sentiment_score":0.06386408749325521},{"text":"I have some numbers here for, you know, just the, you know, relatively well performing super fun like Australian super fun.","start":164.87,"end":172.39,"sentiment":"positive","sentiment_score":0.5080964139529637},{"text":"I've got the and I'm, like, both the fees and the performance.","start":172.39,"end":175.93,"sentiment":"positive","sentiment_score":0.3567554255326589},{"text":"And so, yeah, I think in this phone call, I just wanted to compare and whether, you know, it's still good for me to continue with you guys or whether, you know, I should They have an unknown And as a been long.","start":176.23,"end":240.41501,"sentiment":"neutral","sentiment_score":0.1594639826825885}],"sentiment":"neutral","sentiment_score":0.18017526598529773,"num_words":111,"start":155.165,"end":240.41501},{"sentences":[{"text":"Yep.","start":243.675,"end":244.14,"sentiment":"neutral","sentiment_score":-0.148176908493042},{"text":"It's around 9.1, I think.","start":306.85,"end":308.79,"sentiment":"neutral","sentiment_score":0.012405384704470635},{"text":"I think they're on 9.1.","start":310.405,"end":312.26498,"sentiment":"neutral","sentiment_score":-0.01992034949362278},{"text":"Yeah.","start":369.235,"end":369.735,"sentiment":"neutral","sentiment_score":0.1511230170726776},{"text":"Yes.","start":370.835,"end":371.155,"sentiment":"neutral","sentiment_score":0.13051781058311462}],"sentiment":"neutral","sentiment_score":0.007376084247460732,"num_words":13,"start":243.675,"end":371.155},{"sentences":[{"text":"No.","start":371.155,"end":371.395,"sentiment":"neutral","sentiment_score":0.028849445283412933},{"text":"I do.","start":371.395,"end":371.955,"sentiment":"neutral","sentiment_score":0.08747771382331848},{"text":"I think, yeah, because I'm just not that, I guess, versed in this kind of area or, like, finance and super, like yeah.","start":371.955,"end":380.63,"sentiment":"neutral","sentiment_score":0.01591748890021573},{"text":"I think I I kinda wish that, yeah, when things were kind of starting to go south a little bit, like like, I wish I I didn't really hear anything about this festival in December, was it, that you said we had like, I had a last call?","start":380.63,"end":395.625,"sentiment":"neutral","sentiment_score":-0.0666264181296962},{"text":"Yeah.","start":408.41998,"end":408.74,"sentiment":"neutral","sentiment_score":0.04190988838672638}],"sentiment":"neutral","sentiment_score":-0.03448334752271573,"num_words":75,"start":371.155,"end":408.74},{"sentences":[{"text":"I did.","start":408.74,"end":409.13998,"sentiment":"neutral","sentiment_score":0.05091879144310951},{"text":"And I and I just thought, like, if it was a concern, like, you know, I thought you guys would take action because, like, I just kind of left it so that, you know, I'd leave it to the professionals to kind of yeah.","start":409.13998,"end":422.63498,"sentiment":"neutral","sentiment_score":-0.14130800327455456},{"text":"To, you know, to better deal with these things.","start":423.735,"end":427.175,"sentiment":"neutral","sentiment_score":-0.13964658147758907},{"text":"So I kind of I think I kinda just feel like yeah.","start":427.175,"end":432.28,"sentiment":"neutral","sentiment_score":-0.012892566621303558},{"text":"Like, I haven't yeah.","start":432.28,"end":438.19998,"sentiment":"neutral","sentiment_score":-0.051868255250155926}],"sentiment":"neutral","sentiment_score":-0.10893968471758803,"num_words":71,"start":408.74,"end":438.19998},{"sentences":[{"text":"I guess so.","start":438.19998,"end":439.08,"sentiment":"neutral","sentiment_score":0.049948553244272866},{"text":"Because I think with, like yeah.","start":439.08,"end":441.4,"sentiment":"neutral","sentiment_score":0.0806921198964119},{"text":"People like GrowView and stuff, you know, there was a startup fee and, obviously, you know, other super funds, like, you know, these general super funds don't really charge for those kind of stuff.","start":441.4,"end":449.975,"sentiment":"neutral","sentiment_score":0.08517867940313675},{"text":"So I was kind of expecting that, you know, you guys would be kind of being proactive to, you know, either call me to change or you know?","start":449.975,"end":458.315,"sentiment":"neutral","sentiment_score":0.06428494676947594},{"text":"So, yeah, I think that was partly my fault for not really, I don't know, just taking action.","start":458.77,"end":464.29,"sentiment":"neutral","sentiment_score":-0.29109000725050765}],"sentiment":"neutral","sentiment_score":0.0010160882904958189,"num_words":89,"start":438.19998,"end":464.29},{"sentences":[{"text":"But I think yeah.","start":464.29,"end":465.43,"sentiment":"neutral","sentiment_score":0.052128538489341736},{"text":"But Absolutely.","start":465.88998,"end":493.94,"sentiment":"neutral","sentiment_score":-0.12886618822813034},{"text":"Mhmm.","start":538.52,"end":539.02,"sentiment":"neutral","sentiment_score":-0.003947455435991287},{"text":"Yep.","start":539.80005,"end":540.30005,"sentiment":"neutral","sentiment_score":0.0019458930473774672},{"text":"Yes.","start":556.295,"end":556.795,"sentiment":"neutral","sentiment_score":0.09880386292934418}],"sentiment":"neutral","sentiment_score":0.005287119782426291,"num_words":9,"start":464.29,"end":556.795},{"sentences":[{"text":"Right.","start":579.865,"end":580.365,"sentiment":"neutral","sentiment_score":0.04689995571970939},{"text":"Yeah.","start":580.905,"end":581.405,"sentiment":"neutral","sentiment_score":0.030021730810403824},{"text":"Yeah.","start":583.56,"end":583.96,"sentiment":"neutral","sentiment_score":-0.010588495060801506},{"text":"So I think, yeah, that's another thing.","start":583.96,"end":585.48004,"sentiment":"neutral","sentiment_score":-0.007711655593344143},{"text":"Like, because it has dipped so much whether yeah.","start":585.48004,"end":589.32,"sentiment":"neutral","sentiment_score":-0.06731822879778014}],"sentiment":"neutral","sentiment_score":-0.03123749772969045,"num_words":19,"start":579.865,"end":589.32},{"sentences":[{"text":"Like yeah.","start":589.32,"end":591.8,"sentiment":"neutral","sentiment_score":-0.03341231867671013},{"text":"No.","start":591.8,"end":592.04004,"sentiment":"neutral","sentiment_score":-0.10848423093557358},{"text":"I think yeah.","start":592.04004,"end":592.60004,"sentiment":"neutral","sentiment_score":-0.06842836489280064},{"text":"No.","start":592.60004,"end":592.84,"sentiment":"neutral","sentiment_score":-0.21231037378311157},{"text":"I kinda wish that, yeah, we had this one got a little bit earlier just because of the high percentage of been along in my account.","start":592.84,"end":601.57495,"sentiment":"neutral","sentiment_score":-0.1373330416301122}],"sentiment":"neutral","sentiment_score":-0.12616858845858864,"num_words":33,"start":589.32,"end":601.57495},{"sentences":[{"text":"So I think there's a bit of quite a, you know, sense of disappointment there that, you know, I wish there was a bit of action taken beforehand.","start":602.51495,"end":621.88,"sentiment":"negative","sentiment_score":-0.42927208117076326},{"text":"Yes.","start":674.515,"end":675.015,"sentiment":"neutral","sentiment_score":0.011005754582583904},{"text":"No.","start":684.995,"end":685.495,"sentiment":"neutral","sentiment_score":-0.285320520401001},{"text":"I don't think it was.","start":685.555,"end":686.695,"sentiment":"neutral","sentiment_score":-0.3042156457901001},{"text":"So I guess sorry.","start":688.70996,"end":691.18994,"sentiment":"neutral","sentiment_score":-0.0705884350463748}],"sentiment":"negative","sentiment_score":-0.361470897634251,"num_words":39,"start":602.51495,"end":691.18994},{"sentences":[{"text":"Could I just have a bit of a, I guess, rundown of my current account?","start":691.18994,"end":696.41,"sentiment":"neutral","sentiment_score":-0.008163246201972167},{"text":"The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right 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yeah.","start":803.36,"end":804.24,"sentiment":"neutral","sentiment_score":0.19584736227989197}],"sentiment":"neutral","sentiment_score":0.13648908833662668,"num_words":6,"start":786.2325,"end":804.24},{"sentences":[{"text":"I guess, like, yeah, it would be great to, yeah, get that report, and I'm not sure if I wouldn't mind again.","start":804.24,"end":810.935,"sentiment":"neutral","sentiment_score":0.3013942329721017},{"text":"Sorry.","start":810.935,"end":811.435,"sentiment":"neutral","sentiment_score":0.01402677781879902},{"text":"I I could find it, but just like a breakdown of your as well, both, you know, just the annual and the percentage of account balance plus investment fee and the transaction cost.","start":811.73505,"end":821.4,"sentiment":"neutral","sentiment_score":0.030689851860656883},{"text":"Yeah.","start":821.96,"end":822.16003,"sentiment":"neutral","sentiment_score":0.08196057379245758},{"text":"I think yep.","start":822.16003,"end":823.9,"sentiment":"neutral","sentiment_score":0.08835366119941075}],"sentiment":"neutral","sentiment_score":0.13340810953329008,"num_words":60,"start":804.24,"end":823.9},{"sentences":[{"text":"Yep.","start":830.12,"end":830.62,"sentiment":"neutral","sentiment_score":0.15375004708766937},{"text":"Yep.","start":833.0,"end":833.5,"sentiment":"neutral","sentiment_score":0.14216333627700806},{"text":"Yep.","start":844.865,"end":845.365,"sentiment":"neutral","sentiment_score":0.1125660166144371},{"text":"Yep.","start":849.41003,"end":849.73004,"sentiment":"neutral","sentiment_score":0.09620718657970428},{"text":"That would be great.","start":849.73004,"end":850.79004,"sentiment":"neutral","sentiment_score":0.15335585922002792}],"sentiment":"neutral","sentiment_score":0.13976375292986631,"num_words":8,"start":830.12,"end":850.79004},{"sentences":[{"text":"Mhmm.","start":858.29004,"end":858.61005,"sentiment":"neutral","sentiment_score":0.051666975021362305},{"text":"Yep.","start":858.61005,"end":858.915,"sentiment":"neutral","sentiment_score":0.05234457179903984},{"text":"Yes.","start":869.795,"end":870.295,"sentiment":"neutral","sentiment_score":0.05559622496366501},{"text":"Yeah.","start":878.37,"end":878.87,"sentiment":"neutral","sentiment_score":0.008111029863357544},{"text":"Would you be able to give, like, a, like, approximately how much the total fee was for even the last 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1.7?","start":963.75,"end":966.49005,"sentiment":"neutral","sentiment_score":0.09516814563955579}],"sentiment":"neutral","sentiment_score":0.08391890004277229,"num_words":15,"start":896.325,"end":966.49005},{"sentences":[{"text":"Okay.","start":968.375,"end":968.875,"sentiment":"neutral","sentiment_score":0.04114285111427307},{"text":"Twelve months.","start":969.65497,"end":970.21497,"sentiment":"neutral","sentiment_score":0.046279748901724815},{"text":"Okay.","start":970.21497,"end":970.71497,"sentiment":"neutral","sentiment_score":0.0588306225836277},{"text":"I think just from kinda reviewing yeah.","start":972.375,"end":975.915,"sentiment":"neutral","sentiment_score":0.06353660034281867},{"text":"I guess doing my own research and just comparing with my partners, etcetera.","start":977.255,"end":980.875,"sentiment":"neutral","sentiment_score":0.05064162354056652}],"sentiment":"neutral","sentiment_score":0.053984594997018576,"num_words":24,"start":968.375,"end":980.875},{"sentences":[{"text":"I think it may be best for me to move Superfund.","start":981.18,"end":986.08,"sentiment":"neutral","sentiment_score":0.13901491124521603},{"text":"That would be great.","start":1008.43,"end":1009.65,"sentiment":"neutral","sentiment_score":0.14183914475142956},{"text":"Yep.","start":1041.88,"end":1042.38,"sentiment":"neutral","sentiment_score":-0.004239519592374563},{"text":"Mhmm.","start":1044.44,"end":1044.9199,"sentiment":"neutral","sentiment_score":0.03212456405162811},{"text":"Yes.","start":1044.9199,"end":1045.275,"sentiment":"neutral","sentiment_score":0.08872251212596893}],"sentiment":"neutral","sentiment_score":0.1229515644049065,"num_words":18,"start":981.18,"end":1045.275},{"sentences":[{"text":"So yeah.","start":1045.275,"end":1045.8351,"sentiment":"neutral","sentiment_score":0.08204786479473114},{"text":"Yeah.","start":1045.8351,"end":1046.035,"sentiment":"neutral","sentiment_score":0.147978276014328},{"text":"I wouldn't mind talking to the, yeah, the team to just kinda see how that works and yeah.","start":1046.035,"end":1052.555,"sentiment":"neutral","sentiment_score":0.1430563781824377},{"text":"Just yeah.","start":1052.555,"end":1053.1951,"sentiment":"neutral","sentiment_score":0.21845589578151703},{"text":"That would be 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move.","start":1134.925,"end":1141.745,"sentiment":"neutral","sentiment_score":-0.028235855512320995}],"sentiment":"neutral","sentiment_score":-0.03282578503514858,"num_words":47,"start":1080.675,"end":1141.745},{"sentences":[{"text":"So I guess something that's something that I wouldn't mind discussing with with someone at Oakview just to get their view on that.","start":1141.885,"end":1152.07,"sentiment":"neutral","sentiment_score":-0.006969143353078676},{"text":"Just to, yeah, kinda minimize the loss.","start":1153.57,"end":1155.57,"sentiment":"neutral","sentiment_score":-0.032877271728856225},{"text":"Because I'm not in a rush to move, but it's I think ideally with the with the fees involved and the kind of yeah.","start":1155.57,"end":1163.6749,"sentiment":"neutral","sentiment_score":0.03799128179283192},{"text":"I guess, like, the not, like, not lack of information, but the disappointment that I feel from the service.","start":1163.6749,"end":1171.375,"sentiment":"negative","sentiment_score":-0.43200979499440445},{"text":"Like, I really would have preferred to just stay because it makes everything easier for me.","start":1171.5199,"end":1176.0,"sentiment":"neutral","sentiment_score":-0.12697193212807178}],"sentiment":"neutral","sentiment_score":-0.10919525230491764,"num_words":89,"start":1141.885,"end":1176.0},{"sentences":[{"text":"But just from looking comparing everything from performance and the fees, I think, yeah, it does make sense for me to move.","start":1176.0,"end":1182.74,"sentiment":"positive","sentiment_score":0.3377137512645938},{"text":"But I do want to, yeah, get the best advice, you know, till the end and see when is the best probably the a better time to move.","start":1183.12,"end":1191.905,"sentiment":"positive","sentiment_score":0.45540762692689896},{"text":"So that would be something that I would I would mind discussing with 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I'm happy to organize a annual review because a lot has happened since then, and I just kinda feel like whatever stuff that I had with, you know, somewhat the end of last year wasn't I I guess it wasn't very helpful.","start":1382.17,"end":1397.965,"sentiment":"neutral","sentiment_score":0.03104394015877746},{"text":"So, like, I wouldn't mind, yeah, doing an annual review as soon as possible.","start":1398.745,"end":1403.12,"sentiment":"neutral","sentiment_score":0.11989302866693054},{"text":"And then I think you in that one, yeah, kinda just go over kinda what you told me today.","start":1403.26,"end":1409.2001,"sentiment":"neutral","sentiment_score":0.14540239423513412},{"text":"But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as 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take.","start":1482.2251,"end":1486.6399,"sentiment":"neutral","sentiment_score":-0.039601607248187065},{"text":"If you can give me, like, an estimated, like, duration, I might be able to.","start":1486.6399,"end":1491.36,"sentiment":"neutral","sentiment_score":-0.010488590349753697},{"text":"Yeah.","start":1491.36,"end":1491.86,"sentiment":"neutral","sentiment_score":0.01064903289079666},{"text":"Yep.","start":1499.245,"end":1499.565,"sentiment":"neutral","sentiment_score":0.09739021956920624},{"text":"That's fine.","start":1499.565,"end":1503.825,"sentiment":"neutral","sentiment_score":0.1595776304602623}],"sentiment":"neutral","sentiment_score":-0.010393144509622029,"num_words":35,"start":1482.2251,"end":1503.825},{"sentences":[{"text":"Finago.s@icloud.com.","start":1515.34,"end":1517.74,"sentiment":"neutral","sentiment_score":0.03397009149193764},{"text":"Yep.","start":1517.74,"end":1518.24,"sentiment":"neutral","sentiment_score":0.26656973361968994},{"text":"I'll leave that for 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$1.50.","start":1689.11,"end":1710.43,"sentiment":"neutral","sentiment_score":0.025056464089588684}],"sentiment":"neutral","sentiment_score":-0.030104511770708806,"num_words":29,"start":1657.15,"end":1710.43},{"sentences":[{"text":"Oh, sorry.","start":1720.735,"end":1721.055,"sentiment":"neutral","sentiment_score":-0.003791502211242914},{"text":"For income?","start":1721.055,"end":1721.875,"sentiment":"neutral","sentiment_score":0.005903781391680241},{"text":"Oh, superannuation.","start":1725.375,"end":1726.115,"sentiment":"neutral","sentiment_score":0.015775294043123722},{"text":"Right.","start":1726.8151,"end":1727.055,"sentiment":"neutral","sentiment_score":0.0070565249770879745},{"text":"Right.","start":1727.055,"end":1727.555,"sentiment":"neutral","sentiment_score":-0.01600470393896103}],"sentiment":"neutral","sentiment_score":0.0033533709356561303,"num_words":8,"start":1720.735,"end":1727.555},{"sentences":[{"text":"No.","start":1728.1901,"end":1728.51,"sentiment":"neutral","sentiment_score":-0.1288297176361084},{"text":"Not at this stage.","start":1728.51,"end":1729.39,"sentiment":"neutral","sentiment_score":-0.16551098227500916},{"text":"No.","start":1729.39,"end":1729.89,"sentiment":"neutral","sentiment_score":-0.05547560006380081},{"text":"Yes.","start":1740.11,"end":1740.405,"sentiment":"neutral","sentiment_score":0.06487036496400833},{"text":"I 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15.","start":1790.8601,"end":1796.695,"sentiment":"neutral","sentiment_score":-0.04231771236906449}],"sentiment":"neutral","sentiment_score":-0.02146797937651475,"num_words":12,"start":1765.9401,"end":1796.695},{"sentences":[{"text":"Mhmm.","start":1805.875,"end":1806.375,"sentiment":"neutral","sentiment_score":0.01622048392891884},{"text":"Yep.","start":1806.435,"end":1806.935,"sentiment":"neutral","sentiment_score":0.02495373785495758},{"text":"Savings.","start":1812.61,"end":1813.11,"sentiment":"neutral","sentiment_score":0.04525674507021904},{"text":"Actually, 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haven't.","start":1839.49,"end":1840.15,"sentiment":"neutral","sentiment_score":-0.17303238064050674},{"text":"Not not really.","start":1855.985,"end":1858.005,"sentiment":"neutral","sentiment_score":-0.10702269275983174},{"text":"I think yeah.","start":1859.84,"end":1860.8,"sentiment":"neutral","sentiment_score":0.0044572365780671435},{"text":"In terms of house yeah.","start":1860.8,"end":1862.72,"sentiment":"neutral","sentiment_score":0.11359823197126388},{"text":"And my partner's on a relatively decent wage, so he's kind of got those things sorted.","start":1862.72,"end":1867.86,"sentiment":"neutral","sentiment_score":0.14430196583271027}],"sentiment":"neutral","sentiment_score":0.07665729252942677,"num_words":29,"start":1839.49,"end":1867.86},{"sentences":[{"text":"But for me, personally, I think it's just whatever I can put to pay down the current mortgage.","start":1868.0801,"end":1874.905,"sentiment":"neutral","sentiment_score":0.0552847393684917},{"text":"That's kind of probably the the goal.","start":1874.905,"end":1877.805,"sentiment":"neutral","sentiment_score":0.1075726215328489},{"text":"But, yeah, not much else.","start":1878.425,"end":1879.885,"sentiment":"neutral","sentiment_score":-0.10712622180581093},{"text":"Oh, wouldn't be together.","start":1883.785,"end":1885.225,"sentiment":"neutral","sentiment_score":-0.16875695064663887},{"text":"No.","start":1885.225,"end":1885.56,"sentiment":"neutral","sentiment_score":-0.22179922461509705}],"sentiment":"neutral","sentiment_score":0.009019300660916737,"num_words":35,"start":1868.0801,"end":1885.56},{"sentences":[{"text":"Yeah.","start":1901.1649,"end":1901.6649,"sentiment":"neutral","sentiment_score":-0.05579733848571777},{"text":"No.","start":1902.0449,"end":1902.2849,"sentiment":"neutral","sentiment_score":-0.209003746509552},{"text":"I don't think I would prefer to yeah.","start":1902.2849,"end":1906.125,"sentiment":"neutral","sentiment_score":-0.24164222367107868},{"text":"Retire 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think having a I would prefer a balanced portfolio.","start":2114.035,"end":2118.4548,"sentiment":"neutral","sentiment_score":0.1733615852892399},{"text":"So some that are relatively passive, but some I don't mind still being targeted for, I guess, high possibly high 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in the past, it hasn't because I understand, like, this is for a longer you know, it's a long investment, long term investment.","start":2227.355,"end":2237.1702,"sentiment":"neutral","sentiment_score":-0.1794757880270481},{"text":"So it doesn't get me, but I think it's been a long end.","start":2237.23,"end":2240.37,"sentiment":"neutral","sentiment_score":-0.2677013667730185},{"text":"I guess, just kind of being left as is, I think, yeah, made me feel a bit, you know, quite anxious about it.","start":2240.4302,"end":2248.845,"sentiment":"negative","sentiment_score":-0.3702870691600053}],"sentiment":"neutral","sentiment_score":-0.26024586995763166,"num_words":62,"start":2214.06,"end":2248.845},{"sentences":[{"text":"So yeah.","start":2248.845,"end":2250.605,"sentiment":"neutral","sentiment_score":-0.10660315304994583},{"text":"So it's only really when things like this happens and, you know, things weren't done to 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just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not.","start":2274.695,"end":2284.44,"sentiment":"neutral","sentiment_score":-0.12760035621543084},{"text":"That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person.","start":2284.44,"end":2294.46,"sentiment":"neutral","sentiment_score":0.08006415393595633},{"text":"So I think, yeah, I just felt like I left it, and then now it's this is where we are and I think that's why I feel a little bit, yeah, I I guess disappointed.","start":2295.4,"end":2304.365,"sentiment":"negative","sentiment_score":-0.4014176837035588}],"sentiment":"neutral","sentiment_score":-0.14138790686537914,"num_words":109,"start":2273.255,"end":2304.365},{"sentences":[{"text":"So usually, yeah, as I said, I'm not even if it did, like, it it's fine, but it's been going on for a bit too long and I just kinda thought you guys just left it because you guys think it would bounce back up or what for whatever reason, I just kinda trusted the, I guess, the professionals.","start":2304.505,"end":2319.28,"sentiment":"neutral","sentiment_score":-0.26885318655078694},{"text":"So yeah.","start":2319.5,"end":2320.88,"sentiment":"neutral","sentiment_score":-0.057726312428712845},{"text":"Yeah.","start":2372.76,"end":2373.08,"sentiment":"neutral","sentiment_score":-0.03900107368826866},{"text":"So, yeah, I wouldn't mind just, yeah, receiving the report after this, and then I'll look.","start":2373.08,"end":2378.785,"sentiment":"neutral","sentiment_score":0.13248628797009587},{"text":"I am still leaning towards just scrolling over to AustralianSuper, but, again, like, I wouldn't mind just kind of, yeah, discussing if that was to happen, when would be, you know, a better time than, you know, 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vault?","start":2459.7449,"end":2460.4849,"sentiment":"neutral","sentiment_score":-0.20794476568698883},{"text":"Yeah.","start":2472.6401,"end":2473.04,"sentiment":"neutral","sentiment_score":-0.025589603930711743},{"text":"Yeah.","start":2473.04,"end":2473.4402,"sentiment":"neutral","sentiment_score":-0.08752217143774033}],"sentiment":"neutral","sentiment_score":-0.11385311984590121,"num_words":7,"start":2457.025,"end":2473.4402},{"sentences":[{"text":"So, yeah, I was I was thinking, like, if if I was to roll over then, it probably now probably would be not ideal just as you said of the volatility.","start":2473.4402,"end":2482.575,"sentiment":"neutral","sentiment_score":-0.3132462633713599},{"text":"So, yeah, I wouldn't just mind waiting out a little bit because I don't know if Bennelong's gonna actually perform worse than they are.","start":2483.835,"end":2492.4949,"sentiment":"negative","sentiment_score":-0.4029889566202958},{"text":"But yeah.","start":2494.29,"end":2495.35,"sentiment":"neutral","sentiment_score":-0.08925262838602066},{"text":"Mhmm.","start":2495.8901,"end":2496.3901,"sentiment":"neutral","sentiment_score":-0.06481277942657471},{"text":"Which Mhmm.","start":2501.25,"end":2509.305,"sentiment":"neutral","sentiment_score":0.004051461815834045}],"sentiment":"neutral","sentiment_score":-0.32695973726610345,"num_words":60,"start":2473.4402,"end":2509.305},{"sentences":[{"text":"Yeah.","start":2518.0051,"end":2518.5051,"sentiment":"neutral","sentiment_score":0.0020562298595905304},{"text":"So yeah.","start":2519.125,"end":2519.945,"sentiment":"neutral","sentiment_score":-0.006643294356763363},{"text":"So yeah.","start":2520.565,"end":2521.525,"sentiment":"neutral","sentiment_score":0.02288821805268526},{"text":"With with the your, I guess, your company's direction.","start":2521.525,"end":2524.84,"sentiment":"neutral","sentiment_score":0.042343942241536245},{"text":"So if I have a pretty big portion in Bennelong, would you guys be, what, selling now?","start":2524.9001,"end":2532.36,"sentiment":"neutral","sentiment_score":0.02429610359318116}],"sentiment":"neutral","sentiment_score":0.026731461887398073,"num_words":31,"start":2518.0051,"end":2532.36},{"sentences":[{"text":"Or, like, how how yeah.","start":2533.62,"end":2535.315,"sentiment":"neutral","sentiment_score":-0.006295790709555149},{"text":"Yep.","start":2566.145,"end":2566.645,"sentiment":"neutral","sentiment_score":-0.09811663627624512},{"text":"Yep.","start":2568.465,"end":2568.965,"sentiment":"neutral","sentiment_score":-0.26249560713768005},{"text":"Yeah.","start":2577.28,"end":2577.78,"sentiment":"neutral","sentiment_score":-0.09868104755878448},{"text":"Yep.","start":2585.12,"end":2585.475,"sentiment":"neutral","sentiment_score":0.07379421591758728}],"sentiment":"neutral","sentiment_score":-0.04633089206698868,"num_words":9,"start":2533.62,"end":2585.475},{"sentences":[{"text":"Mhmm.","start":2585.475,"end":2585.975,"sentiment":"neutral","sentiment_score":0.01924123987555504},{"text":"Yep.","start":2591.4824,"end":2591.9824,"sentiment":"neutral","sentiment_score":-0.041138868778944016},{"text":"Yes.","start":2643.4548,"end":2643.9548,"sentiment":"neutral","sentiment_score":0.031370509415864944},{"text":"Okay.","start":2654.19,"end":2654.69,"sentiment":"neutral","sentiment_score":-0.022276081144809723},{"text":"Mhmm.","start":2670.7449,"end":2671.2449,"sentiment":"neutral","sentiment_score":0.040090158581733704}],"sentiment":"neutral","sentiment_score":0.005457391589879989,"num_words":5,"start":2585.475,"end":2671.2449},{"sentences":[{"text":"Okay.","start":2685.08,"end":2685.525,"sentiment":"neutral","sentiment_score":0.00779929431155324},{"text":"Yep.","start":2690.565,"end":2691.065,"sentiment":"positive","sentiment_score":0.403134822845459},{"text":"Okay.","start":2693.2048,"end":2693.6848,"sentiment":"neutral","sentiment_score":0.2886163294315338},{"text":"Sure.","start":2693.6848,"end":2694.1848,"sentiment":"neutral","sentiment_score":0.3087797164916992},{"text":"Yeah.","start":2694.7249,"end":2694.9648,"sentiment":"neutral","sentiment_score":0.2556714415550232}],"sentiment":"neutral","sentiment_score":0.2528003209270537,"num_words":5,"start":2685.08,"end":2694.9648},{"sentences":[{"text":"So let's do that.","start":2694.9648,"end":2695.845,"sentiment":"neutral","sentiment_score":0.2475714236497879},{"text":"So, yeah, I'll grab the, if it's okay with you, the updated like, what what it'll look like.","start":2695.845,"end":2703.23,"sentiment":"neutral","sentiment_score":0.1792611504594485},{"text":"Yep.","start":2705.9302,"end":2706.4302,"sentiment":"neutral","sentiment_score":0.1144564375281334},{"text":"Mhmm.","start":2712.73,"end":2713.215,"sentiment":"neutral","sentiment_score":0.02965756319463253},{"text":"Yes.","start":2737.63,"end":2737.845,"sentiment":"neutral","sentiment_score":0.051266491413116455}],"sentiment":"neutral","sentiment_score":0.17649467580020428,"num_words":25,"start":2694.9648,"end":2737.845},{"sentences":[{"text":"No.","start":2749.845,"end":2750.19,"sentiment":"neutral","sentiment_score":-0.14711275696754456},{"text":"No.","start":2750.43,"end":2750.67,"sentiment":"neutral","sentiment_score":-0.09898851811885834},{"text":"All good.","start":2750.67,"end":2751.23,"sentiment":"neutral","sentiment_score":0.27593573927879333},{"text":"Thank you.","start":2751.23,"end":2752.05,"sentiment":"positive","sentiment_score":0.4196091741323471},{"text":"You can find it.","start":2759.31,"end":2760.53,"sentiment":"neutral","sentiment_score":-0.05289326608181}],"sentiment":"neutral","sentiment_score":0.0933415487408638,"num_words":10,"start":2749.845,"end":2760.53},{"sentences":[{"text":"Yeah.","start":2770.5251,"end":2771.0251,"sentiment":"neutral","sentiment_score":0.09616966545581818},{"text":"I think, yeah, I think you mentioned a couple of times now that, you know, your company has grown and, you know, it has changed.","start":2771.405,"end":2779.84,"sentiment":"neutral","sentiment_score":0.11603676304221153},{"text":"And I feel like, I guess, as people that are receiving the service, like, it doesn't really like, none of that really matters as long as, like, you know, like, I just kind of if there was gonna be less service that we'll be receiving or whatever, like, I would kind of prefer to have known that because change of personnel and stuff that's, you know, that's not really our consent or, you know, it's not really a problem.","start":2779.84,"end":2803.93,"sentiment":"neutral","sentiment_score":-0.15916720174158674},{"text":"So, yeah, I think yeah.","start":2804.47,"end":2805.75,"sentiment":"neutral","sentiment_score":-0.006711491197347641},{"text":"Just generally, I just feel quite disappointed considering the fees that we pay and just to trust that I'm getting, like, professionals to kind of, you know, assault my super app and just knowing that it's in safe hands.","start":2805.75,"end":2819.015,"sentiment":"negative","sentiment_score":-0.44150818960788923}],"sentiment":"neutral","sentiment_score":-0.18006373856891722,"num_words":149,"start":2770.5251,"end":2819.015},{"sentences":[{"text":"But then I just yeah.","start":2819.015,"end":2819.9749,"sentiment":"neutral","sentiment_score":-0.3031307578086853},{"text":"I just felt yeah.","start":2819.9749,"end":2821.4849,"sentiment":"negative","sentiment_score":-0.3893538564443588},{"text":"I'd be disappointed.","start":2821.4849,"end":2822.4749,"sentiment":"negative","sentiment_score":-0.6134642759958903},{"text":"Thank you.","start":2845.3352,"end":2846.0752,"sentiment":"neutral","sentiment_score":0.20757002383470535},{"text":"No.","start":2849.2551,"end":2849.5752,"sentiment":"neutral","sentiment_score":-0.1432446390390396}],"sentiment":"neutral","sentiment_score":-0.30943777561187746,"num_words":15,"start":2819.015,"end":2849.5752},{"sentences":[{"text":"It's alright.","start":2849.5752,"end":2850.215,"sentiment":"neutral","sentiment_score":-0.063056081533432},{"text":"It's okay.","start":2850.215,"end":2850.7751,"sentiment":"neutral","sentiment_score":0.10743042081594467},{"text":"It's not really gonna change any outcome for me.","start":2850.7751,"end":2852.935,"sentiment":"neutral","sentiment_score":-0.2589585764540566},{"text":"So but I don't mind.","start":2852.935,"end":2865.78,"sentiment":"neutral","sentiment_score":-0.12728899121284484},{"text":"Yep.","start":2865.78,"end":2866.18,"sentiment":"neutral","sentiment_score":0.09785215556621552}],"sentiment":"neutral","sentiment_score":-0.14634059526418386,"num_words":19,"start":2849.5752,"end":2866.18},{"sentences":[{"text":"Yep.","start":2866.18,"end":2866.515,"sentiment":"neutral","sentiment_score":0.08402085304260254},{"text":"Right.","start":2867.7148,"end":2868.2148,"sentiment":"neutral","sentiment_score":0.1105167418718338},{"text":"Mhmm.","start":2870.115,"end":2870.615,"sentiment":"neutral","sentiment_score":0.05356360971927643},{"text":"Yep.","start":2870.9148,"end":2871.4148,"sentiment":"neutral","sentiment_score":0.08310021460056305},{"text":"Yeah.","start":2885.01,"end":2885.41,"sentiment":"neutral","sentiment_score":0.10363048315048218}],"sentiment":"neutral","sentiment_score":0.0869663804769516,"num_words":5,"start":2866.18,"end":2885.41},{"sentences":[{"text":"Look.","start":2885.41,"end":2885.6501,"sentiment":"neutral","sentiment_score":0.10184817016124724},{"text":"I wouldn't mind look looking at it.","start":2885.6501,"end":2887.51,"sentiment":"neutral","sentiment_score":0.08492031427366394},{"text":"And yeah.","start":2888.77,"end":2889.91,"sentiment":"neutral","sentiment_score":0.11039777845144272},{"text":"I I would prefer to, yeah, see what that update might look like first.","start":2890.05,"end":2893.17,"sentiment":"neutral","sentiment_score":0.1106765725250755},{"text":"And then, yeah, and then I'll have a bit of a think in the next week or so.","start":2893.17,"end":2897.345,"sentiment":"neutral","sentiment_score":0.09430728397435612}],"sentiment":"neutral","sentiment_score":0.09914497747307732,"num_words":42,"start":2885.41,"end":2897.345},{"sentences":[{"text":"Mhmm.","start":2904.925,"end":2905.425,"sentiment":"neutral","sentiment_score":0.03453807905316353},{"text":"Yep.","start":2908.685,"end":2908.95,"sentiment":"neutral","sentiment_score":0.12968605756759644},{"text":"Yep.","start":2913.03,"end":2913.53,"sentiment":"neutral","sentiment_score":0.07011964917182922},{"text":"Mhmm.","start":2919.5898,"end":2920.0898,"sentiment":"neutral","sentiment_score":0.09119603037834167},{"text":"Yep.","start":2933.2852,"end":2933.7852,"sentiment":"positive","sentiment_score":0.35505256056785583}],"sentiment":"neutral","sentiment_score":0.13611847534775734,"num_words":5,"start":2904.925,"end":2933.7852},{"sentences":[{"text":"Cool.","start":2933.925,"end":2934.33,"sentiment":"positive","sentiment_score":0.6591167449951172},{"text":"Thank you.","start":2934.4102,"end":2935.07,"sentiment":"positive","sentiment_score":0.7220176160335541},{"text":"No.","start":2940.09,"end":2940.4102,"sentiment":"neutral","sentiment_score":0.047851886600255966},{"text":"All good.","start":2940.4102,"end":2941.1501,"sentiment":"neutral","sentiment_score":0.28123459964990616},{"text":"Thank you.","start":2941.21,"end":2942.03,"sentiment":"positive","sentiment_score":0.3704377710819244}],"sentiment":"positive","sentiment_score":0.4317935756407678,"num_words":8,"start":2933.925,"end":2942.03},{"sentences":[{"text":"Alright.","start":2948.57,"end":2949.07,"sentiment":"neutral","sentiment_score":0.22342324256896973},{"text":"Yep.","start":2952.095,"end":2952.595,"sentiment":"positive","sentiment_score":0.4407137334346771},{"text":"Okay.","start":2953.535,"end":2954.035,"sentiment":"neutral","sentiment_score":0.3311854302883148},{"text":"No.","start":2955.695,"end":2956.015,"sentiment":"neutral","sentiment_score":-0.09295295923948288},{"text":"That's all good.","start":2956.015,"end":2956.655,"sentiment":"neutral","sentiment_score":0.32203395167986554}],"sentiment":"neutral","sentiment_score":0.2669244717274393,"num_words":7,"start":2948.57,"end":2956.655},{"sentences":[{"text":"Thank you so much for your time as well.","start":2956.655,"end":2958.515,"sentiment":"positive","sentiment_score":0.7019496096505059},{"text":"Alright.","start":2959.615,"end":2960.015,"sentiment":"positive","sentiment_score":0.34629523754119873},{"text":"Thank you.","start":2960.015,"end":2960.575,"sentiment":"positive","sentiment_score":0.5909608006477356},{"text":"Bye.","start":2960.575,"end":2961.075,"sentiment":"neutral","sentiment_score":-0.04993464425206184}],"sentiment":"positive","sentiment_score":0.5996791293414739,"num_words":13,"start":2956.655,"end":2961.075}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Christina speaking.\n\nChannel 0: Hi, Hannah. It's Carl calling from Ophi Financial. How are you today?\n\nChannel 1: Yeah. Good. Thanks, pal. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thank you\n\nChannel 1: That's\n\nChannel 0: for asking.\n\nChannel 1: good. All good.\n\nChannel 0: Now I had you scheduled in just following a conversation with one of my colleagues regarding your performance. Just having a conversation around that this morning.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Just to get started on that one here, if I could just pass you through security with that name, date of birth, and card notice, we can get started on that today.\n\nChannel 1: Yes. My name is Calcutta. Date of birth, 03/28/1993. And was it sorry. Address?\n\nChannel 0: Yeah. Address.\n\nChannel 1: Yep.\n\nChannel 0: Thanks. Sorry.\n\nChannel 1: 4 Uxbridge Avenue, Doncaster 310\n\nChannel 0: Perfect. Thank you for that one. Definitely. No. These calls are recorded for quality and training purposes there now as well,\n\nChannel 1: eight. Mhmm. Mhmm.\n\nChannel 0: if you're okay with that one.\n\nChannel 1: Yep. That's really\n\nChannel 0: Now\n\nChannel 1: fine.\n\nChannel 0: I know you didn't do your annual review with me. I think believe it was my colleague, Dana, the end of last year. You originally had your annual review regarding that one\n\nChannel 1: That\n\nChannel 0: and the\n\nChannel 1: one\n\nChannel 0: original\n\nChannel 1: in there.\n\nChannel 0: performance of that. Now I don't have the performances she sent through to that, but I did draw up just some projections\n\nChannel 1: Protection.\n\nChannel 0: based on what my colleague said the other day when you're booking in just regarding how everything went and sort of just being in an industry fund there as well.\n\nChannel 1: Yeah. I'm not sure if I actually received the the the quarter end of year. I maybe maybe I just lost it, but was it sent through?\n\nChannel 0: Let me just double check your account. So I believe it was twenty ninth to seventh with an annual review is conducted. So I believe it was probably sent via DocuSign when you did your initial.\n\nChannel 1: Right.\n\nChannel 0: It should\n\nChannel 1: It\n\nChannel 0: have\n\nChannel 1: should have\n\nChannel 0: the twelve month performance at that point. Obviously,\n\nChannel 1: Probably\n\nChannel 0: I can let you know the performance sort of based on the twelve months from as at\n\nChannel 1: Mhmm.\n\nChannel 0: today's date and\n\nChannel 1: Mhmm.\n\nChannel 0: how that sort of looks and what has occurred. Now I'm not too sure how it's explained to you regarding what happened at the end of last year. So when you originally came on board, I'm not too sure who you sort of spoke to or when they originally sort of made the portfolio for you, but you do have quite an allocation, like a high allocation to Benelon, an actively\n\nChannel 1: Yes.\n\nChannel 0: managed fund.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Well yeah. I think she told me over the phone that I'm in a old portfolio and I wasn't yeah. So that should be changed during this meetup. And I think one of the, I guess, concern was yeah. So, obviously, it's not performing well.\n\nAnd, yeah, I thought from how, you know, I feel how you guys are going out, I just wanted to get, I guess, numbers and I wanted to compare. I have some numbers here for, you know, just the, you know, relatively well performing super fun like Australian super fun. I've got the and I'm, like, both the fees and the performance. And so, yeah, I think in this phone call, I just wanted to compare and whether, you know, it's still good for me to continue with you guys or whether, you know, I should\n\nChannel 0: Yep. And we sort of hold no. It will. Obviously, you haven't spoken to me before, so I have no issues whether if you chose industry fund over us or our service. As I said, like, I'm can't pertain to what service you have received since being on board.\n\nObviously, if you were to, you know, say, we would, as you said, look to update the portfolio. I myself wouldn't put such a high allocation to one managed fund with that because you do have 30% of your current portfolio in Ben Long. And as a result of that, I'm not too sure if they explained to you that they have\n\nChannel 1: They\n\nChannel 0: an\n\nChannel 1: have\n\nChannel 0: underlying\n\nChannel 1: an unknown\n\nChannel 0: investment called corporate traveler. Now that investment was done for not reporting correctly. Their accounting was not sorta up to scratch. And\n\nChannel 1: And\n\nChannel 0: as\n\nChannel 1: as\n\nChannel 0: a result\n\nChannel 1: a\n\nChannel 0: of that, they'll put a a trading hold. And then Benelongs had to reevaluate that stock. As a result of that as well, people have sort of lost consumer confidence in the the Benelong\n\nChannel 1: been\n\nChannel 0: fund\n\nChannel 1: long.\n\nChannel 0: itself, you know, not monitoring their investments or seeing any sort\n\nChannel 1: Yep.\n\nChannel 0: of signs that that may be the case with that. I mean, because it's such a high allocation to your fund, when that went back by 20% there, it did cause a significant dip in your value, which is the result of why it's sort of gone backwards so much in the past three months there in conjunction with, obviously, the wars going on in Iran and everything as well that has sort of had a bit of a negative impact on superannuation, if that makes sense. But, yeah, from your your phone call, obviously, since being on board, you know, coming on sort of the back end of COVID, the markets are a little bit rough there as well, and then the recovery from that. And then with that and then the last dip, yeah, it was sitting around, like, a 4% return year on year as, like, a rolling average as, like, a percentage return to the five year rolling averages compared to, like, Australian super. So five year rolling average for the fund that you're currently in is about 8.58%.\n\nAnd then the five rolling average for an Australian super with a similar sort of allocation to\n\nChannel 1: It's around 9.1, I think.\n\nChannel 0: pardon?\n\nChannel 1: I think they're on 9.1.\n\nChannel 0: Yeah. In in terms of that and what sort of do and then you obviously do have in regards to that the the adviser fee for the service you do pay and the other services you do have access to in regards to that. Now with that as well, with the Australian Super, when it does say the high growth there as well, generally, the allocations to growth assets are quite a bit higher. So in saying that if you match up what sort of we've got invested in a high growth in line with Oakview's philosophy compared to, like, the Australian super equivalent, I think the returns are sitting closer to sort of, like, a 7.62 with the growth of defensive asset allocations. Obviously, they're both named high growth, so it would be closer to what you you said, but in saying that they do have a higher allocation in those funds to what, like, OQ compares to be a high growth portfolio, which is that ninety ten sort of split, if that makes sense.\n\nChannel 1: Yeah. Yes. No. I do. I think, yeah, because I'm just not that, I guess, versed in this kind of area or, like, finance and super, like\n\nChannel 0: Yep.\n\nChannel 1: yeah. I think I I kinda wish that, yeah, when things were kind of starting to go south a little bit, like like, I wish I I didn't really hear anything about this festival in December, was it, that you said we had like, I had\n\nChannel 0: Yeah.\n\nChannel 1: a last\n\nChannel 0: November,\n\nChannel 1: call?\n\nChannel 0: December is when the the been long sort of occurred. They have, like, in the newsletters, addressed it in terms of, like, the what has been occurring and the call if you had any concerns regarding. I'm not too sure if you're receiving the\n\nChannel 1: Yeah.\n\nChannel 0: monthly\n\nChannel 1: I did.\n\nChannel 0: newsletter.\n\nChannel 1: And I and I just thought, like, if it was a concern, like, you know, I thought you guys would take action because, like, I just kind of left it so that, you know, I'd leave it to the professionals to kind of yeah. To, you know, to better deal with these things. So I kind of I think I kinda just feel like yeah.\n\nChannel 0: You're\n\nChannel 1: Like,\n\nChannel 0: not\n\nChannel 1: I haven't\n\nChannel 0: receiving as much out of it as you feel like you you maybe should given the circumstances?\n\nChannel 1: yeah. I guess so. Because I think with, like yeah. People like GrowView and stuff, you know, there was a startup fee and, obviously, you know, other super funds, like, you know, these general super funds don't really charge for those kind of stuff. So I was kind of expecting that, you know, you guys would be kind of being proactive to, you know, either call me to change or you know?\n\nSo, yeah, I think that was partly my fault for not really, I don't know, just taking action. But I think yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: But\n\nChannel 0: so sorry if it wasn't sort of explained when you first came on, like, how it sort of generally so when you first come on board, they generally ask, like, if you want sort of yearly reviews quarterly, those sort of things, because super is a long term game. Like, if you were chopping and changing quite regularly, you'd be day trading, which isn't something you really wanna do with super. Now, obviously, in regards to something so significant in a portion being in your portfolio, it probably should have been, like, reviewed given your time on board maybe a little bit earlier\n\nChannel 1: Absolutely.\n\nChannel 0: in saying that once this sort of dip does occur, you've already already made the loss in, like, the selling low, buying high is never sort of ideal unless it's sort of extenuating circumstances. Now as a review of the Bennelong and what did occur, they are moving away from Bennelong in terms of, like, future investments, updates, and things like that as well. Now within regards to your portfolio, it could have potentially been reviewed and updated earlier, and it may have sort of whether that a little bit better, not to say that it would have been sold out of Ben Long entirely, but given your allocation to that active management, as I'm saying previously, when you first came on board, it does carry a higher amount of risk having active versus, like, a passive management. Even within the high growth, you can be completely\n\nChannel 1: Mhmm.\n\nChannel 0: passive or\n\nChannel 1: Yep.\n\nChannel 0: active. And then with the passive, obviously, you're tracking the market. You still have the same allocation of those growth assets, so a similar potential for growth. But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners. And, obviously,\n\nChannel 1: Yes.\n\nChannel 0: Benelon hasn't done that, and you do have quite an allocation to that. So if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much\n\nChannel 1: Right. Yeah.\n\nChannel 0: versus, like oh, yeah. Sorry.\n\nChannel 1: Yeah. So I think, yeah, that's another thing. Like, because it has dipped so much whether yeah. Like yeah. No.\n\nI think yeah. No. I kinda wish that, yeah, we had this one got a little bit earlier just because of the high percentage of been along in my account.\n\nChannel 0: Yeah. And\n\nChannel 1: So I think there's a bit of quite a, you know, sense of disappointment there that, you know, I wish there was a bit of action taken\n\nChannel 0: And with that, though, with what did occur with the Ben Long Fund, it was like sort of once the announcement was waived, it lost that quite quickly in a sense that\n\nChannel 1: beforehand.\n\nChannel 0: it only took a few days for them to take that significant hit, and it's just been sort of hovering around where it has been. So even if we called you the day after, sort of like it did happen all the week after, it would be a similar sort of position whether we look to update it or hold for a little bit longer to see if it recoups some of those tips in the market. And then, obviously, the war in Iran has sort of been, you know, playing a little bit of role with volatilities in the market as well. If it was sort of in regards to the fund wasn't performing or negatively performing just based on, like, market metrics, it would have been likely picked up sooner and just sort of removed entirely. Benelon itself wasn't sort of performing horrendously, like, leading up to that point.\n\nIt was just sort of that was a catalyst where there were funds that sort of potentially may have been performing better. It maybe should have been, like, reviewed just to see if it was up to date. And then if there were sort of any changes that need to be\n\nChannel 1: Yes.\n\nChannel 0: made and maybe having a discussion with you around the allocations and the weightings to that active fund. And I'm sorry if that wasn't sort of explained to you, like, clearly sort of previously.\n\nChannel 1: No. I don't think it was.\n\nChannel 0: Yeah.\n\nChannel 1: So I guess sorry. Could I just have a bit of a, I guess, rundown of my current account? The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right\n\nChannel 0: Yep. So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls. Because, obviously, when you came\n\nChannel 1: now.\n\nChannel 0: on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover. The war and tariff talk at the start of last year caused a significant stop like, dropping your superannuation, much like everyone else, which was sort of occurring, with the market volatility. It did recover sort of nicely from that. And then following that, that Benelon announcement and the wars in Iran there as well, it has not only from the Benelon, but then that taken a bit of a dive there as well. So I can email you a copy of the account snapshot and then\n\nChannel 1: Yep.\n\nChannel 0: also in regards to the the asset performance over the last twelve months there as well.\n\nChannel 1: Yep.\n\nChannel 0: And I can sort of highlight sort of where things have been and where things have gone over that time you've since been on board. I can let you know from that, like, projections table. Then with that, you sort of with what did occur with the projections for the an average with Australian Super versus, like, the the fund that you are in, it's sort of sitting similar with the allocations. Obviously, if you were just in a high growth option\n\nChannel 1: Mhmm.\n\nChannel 0: within Australian super, the likelihood was you'd be slightly more exposed and have a little bit more risky exposure, but you probably would have\n\nChannel 1: Yep.\n\nChannel 0: had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform. Not too sure how much you utilize it to have a look at that.\n\nChannel 1: Yeah. Yes. Yeah. So yeah. I guess, like, yeah, it would be great to, yeah, get that report, and I'm not sure if I wouldn't mind again.\n\nSorry. I I could find it, but just like a breakdown of your as well, both, you know, just the annual and the percentage of account balance plus investment fee and the transaction cost. Yeah. I think\n\nChannel 0: So\n\nChannel 1: yep.\n\nChannel 0: in regards to the investment fee that comes down to the investments you hold, I can\n\nChannel 1: Yep.\n\nChannel 0: do it, email you the little projections table that\n\nChannel 1: Yep.\n\nChannel 0: shows you. So the Australian super option that it's based off, pardon me, is based off, like, a balanced growth option with the allocation that's more to sort of, what matches up with what your current portfolio\n\nChannel 1: Yep.\n\nChannel 0: was, over that that period. So I can show you what that looks like\n\nChannel 1: Yep.\n\nChannel 0: in\n\nChannel 1: That would\n\nChannel 0: terms\n\nChannel 1: be\n\nChannel 0: of\n\nChannel 1: great.\n\nChannel 0: the the the returns and what that sort of may have looked like, but in saying that you may have been or chosen a high growth option just with an Australian super,\n\nChannel 1: Mhmm.\n\nChannel 0: which may,\n\nChannel 1: Yep.\n\nChannel 0: as I said, had a higher allocation. You might have got some high returns. The adviser fee itself is 1.65%. So that's based on balance. There's a monthly charge fee in terms\n\nChannel 1: Yes.\n\nChannel 0: of, like, it comes out monthly. It's based on percentage balance at that time. So as the markets do fluctuate, obviously, the fee does fluctuate a little bit there as well\n\nChannel 1: Yeah.\n\nChannel 0: in terms of, like, what is going on with your balance.\n\nChannel 1: Would you be able to give, like, a, like, approximately how much the total fee was for even the last year.\n\nChannel 0: Yep. I'll pull that up in regards to that one. Bear with me.\n\nChannel 1: Yep.\n\nChannel 0: And do you want just the twelve month period, or do you want, like, the last financial year?\n\nChannel 1: Last financial year is fine.\n\nChannel 0: Bear with me. Sorry. It's just loading\n\nChannel 1: Yes.\n\nChannel 0: up. So from the 2024 to the 2025, it works out to be around the 1,700 in terms of, like, what it worked out to be, the 1.65 of that period, which works out to be around the $1.50 ish sort of a month depending on what the balance sort of rough over that that period of time.\n\nChannel 1: Okay. So so did you save around 1.7?\n\nChannel 0: Yeah. For the for\n\nChannel 1: Okay.\n\nChannel 0: a twelve month period for last\n\nChannel 1: Twelve\n\nChannel 0: financial\n\nChannel 1: months. Okay.\n\nChannel 0: year.\n\nChannel 1: I think just from kinda reviewing yeah. I guess doing my own research and just comparing with my partners, etcetera. I think it may be best for me to move Superfund.\n\nChannel 0: Yep. As as I said, Hina, I take no offense. I haven't obviously spoken to you previously. I dealt with your your account. So I understand if you haven't felt like you got the the most out of the service and feel a little bit disappointed.\n\nObviously, I can pass you on to the case management team, and they can assist you in sort of the changes, the rollover sort of what that looks like, the time frames as well.\n\nChannel 1: That would\n\nChannel 0: If\n\nChannel 1: be\n\nChannel 0: you did,\n\nChannel 1: great.\n\nChannel 0: yeah, if you did wanna have, like, a discussion around sort of the investments and what they're sort of sitting at, obviously, in regards to that as well, you will crystallize those losses when when moving funds. Obviously, if you're happy to sort of accept those losses and just move on there as well, it's just something to be aware of with that loss that did occur in Ben Long. It could be carried forward or you could sort of, you know, recoup some of those losses. So waiting for that investment, but, obviously, waste as in a company, we're moving away from Bennelong itself anyway. We're just utilizing those carry forward losses, which\n\nChannel 1: Yep.\n\nChannel 0: is something to be mindful of.\n\nChannel 1: Mhmm. Yes. So yeah. Yeah. I wouldn't mind talking to the, yeah, the team to just kinda see how that works and yeah.\n\nChannel 0: Yep.\n\nChannel 1: Just\n\nChannel 0: So,\n\nChannel 1: yeah. That would\n\nChannel 0: realistically,\n\nChannel 1: be great.\n\nChannel 0: once you like, just as a brief rundown, if you were to sort of find, you know, the fund you were happy with, open up an account with them, you can just request the rollover through that. We can liaise with you within regards to how long that would sort of take. It will take a little bit given that been a long do have to deal with the underlying investment and selling of that down and sort of giving you a fair market value for that at the time given that they'll put on that trading halt, which\n\nChannel 1: Yep.\n\nChannel 0: may sort of take two to three weeks to sell down to that cash portion. Following that, you don't have any current insurances, so that's fine in sense that you don't have to change any payment options for that. Whether or not you look to get some sort of group or re retail cover in the future, The group cover might be available in a default option for opening up the superannuation fund, which is sort of things you can have a think about. And then\n\nChannel 1: Yes.\n\nChannel 0: if you were to get retail cover in the future, it would just be based on your your new account there as well. But do you have any questions that I haven't answered today there, Hina, that you sort of wanna have a discussion around? Or\n\nChannel 1: Yeah. I guess, like, if I was to move the funds, I guess, because there's been quite a lot of, yeah, loss that has happened. Like, I just want to move at the best time possible, you know, not at the worst time to move. So I guess something that's something that I wouldn't mind discussing with with someone at Oakview just to get their view on that. Just to, yeah, kinda minimize the loss.\n\nBecause I'm not in a rush to move, but it's I think ideally with the with the fees involved and the kind of yeah. I guess, like, the not, like, not lack of information, but the disappointment that I feel from the service. Like, I really would have preferred to just stay because it makes everything easier for me. But just from looking comparing everything from performance and the fees, I think, yeah, it does make sense for me to move. But I do want to, yeah, get the best advice, you know, till the end and see when is the best probably the a better time to move.\n\nSo that would be something that I would I would mind discussing with someone.\n\nChannel 0: Yep. And then with that one, so given your actual, like, performance over time, you're still up from, like, when you originally started. So the way retail funds work\n\nChannel 1: Mhmm.\n\nChannel 0: versus, like, industry, it's not unitized. So you still have to pay, like, CGT costs and things like that, which is why I mentioned that it's a bit different in regards to industry funds\n\nChannel 1: Mhmm.\n\nChannel 0: because they're unitized and it's sort of built into those prices there\n\nChannel 1: Yes.\n\nChannel 0: as well. So you will probably still likely have a CGT in terms of the cost, but then, obviously, given that Benelon went backwards so heavily that there would be, you know, funds there that, you know, a potential, you know, on the table still in terms of, like, if it was to to come back, it would offset the capital gains on the other investments that have performed over that period of time quite well. So you might still likely end up paying some money. So whether or not sort of if you were to move now, you'd pay, like, a smaller amount of CGT if anyone was to improve in the the future or you were to sort of stay, utilize those to change up investments to carry forward and change the the capital gains around the a portfolio update moving forward, which is something we can do for you, Hina. Like, obviously, you feel like you haven't got the the best out of the service so far, but we can sort of do and show you what an investment update might look like.\n\nIt can even be sort of more passive approach for you. They also did bring out a separately managed account, which is like an SMA that they sort of do updates regularly and more sort of in line with they're able to make changes because currently, we can't make a change to your portfolio until you have the discussion, do an update, things like that, which falls, like, every 12 months on your annual review the way it was set up previously. Now what you got out of those annual reviews previously, I can't sort of say because I didn't complete them. But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur. With moving funds and selling down to cash, you are selling out of the market as well, and there's sort of never a right or wrong time unless you're trying to time the market.\n\nNow the risk is is that if you were to sell down to cash and the markets were to sort of jump back up, given what is happening in the markets at the moment with the the war in Iran, those are potential losses you'd be leaving on the table versus if it was to go down, you'd sort of get the benefit of buying in lower with your money because it's sold down to cash prior to the price dropping with investments.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: But there's no sort of way to time that with what's going on just given the fact that I can't tell what Donald Trump's gonna do tomorrow, let alone what he's done previously. It's hard to wrap your head around sort of thing. So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment\n\nChannel 1: Okay.\n\nChannel 0: versus, like, the capital gains is something you can calculate and what the liability would be and what you'd be sort of paying to move your funds out, if that makes sense.\n\nChannel 1: Okay. Alright. Well, I'm happy to organize a annual review because a lot has happened since then, and I just kinda feel like whatever stuff that I had with, you know, somewhat the end of last year wasn't I I guess it wasn't very helpful. So, like,\n\nChannel 0: Yep.\n\nChannel 1: I wouldn't mind, yeah, doing an annual review as soon as possible. And then I think you in that one, yeah, kinda just go over kinda what you told me today. But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as well.\n\nChannel 0: Yep. Because depending on your time today, I can run through, like, a bit of your your goals, what you're trying to achieve and sort of, you know, start afresh, like, as a blank slate sort of thing and just do the interview now, let you know where things are at, update your details, do a risk profile with you. And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have.\n\nChannel 1: Evan.\n\nChannel 0: And then also with that, we can sort of let you know what the current CGT is and what that looks like.\n\nChannel 1: Okay.\n\nChannel 0: And then whether or not you utilize that to just, you know, see what you'd be paying to move your funds out or whether or not you wanna do stay on and look at updating your portfolio and\n\nChannel 1: And\n\nChannel 0: maybe\n\nChannel 1: maybe\n\nChannel 0: taking\n\nChannel 1: take\n\nChannel 0: advantage\n\nChannel 1: it.\n\nChannel 0: of the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright. The performance is alright this year and then moving on.\n\nChannel 1: Yeah. Sure. If if it doesn't take, I don't know how long this that this chat's gonna take. If you can give me, like, an estimated, like, duration, I might\n\nChannel 0: Okay.\n\nChannel 1: be able\n\nChannel 0: Through\n\nChannel 1: to. Yeah.\n\nChannel 0: really quickly. I'll just confirm details, do some goals to risk profile. It might take an extra sort of fifteen minutes if we go quickly.\n\nChannel 1: Yep. That's\n\nChannel 0: Okay. Not a problem at all. So I'll just go through and\n\nChannel 1: fine.\n\nChannel 0: confirm all your details there, Hina. In regards to your address, that's all the same. Email's still hikar oh,ininako.f@iCloud.com?\n\nChannel 1: Finago.s@icloud.com. Yep.\n\nChannel 0: Perfect. And I've got your defacto partner here as an extra kin, but no details or anything. Did you wanna put down an extra kin, or are you happy just to leave that blank\n\nChannel 1: I'll\n\nChannel 0: for now?\n\nChannel 1: leave that for now. Yep.\n\nChannel 0: Not a problem. And then in regards to your current work, are you still working for NDIS?\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. And then are you still majority seeing clients? Do you do, like, sort of office based work at all?\n\nChannel 1: No.\n\nChannel 0: Yep. And I know that's considered self employed. Are you, like, considered a sole trader?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And at the moment, how many hours per week are you doing?\n\nChannel 1: Dramatically reduced in the last couple of years. So, like, probably fifteen.\n\nChannel 0: Anything else? And is that, like, permanent part time or just, like, casual work or, like\n\nChannel 1: It kind of self or in yeah. In health and self employed kind of system.\n\nChannel 0: like,\n\nChannel 1: Like,\n\nChannel 0: you don't have any set contracts you do with them per hours\n\nChannel 1: it's\n\nChannel 0: per week? You just sort of manage it yourself\n\nChannel 1: yeah.\n\nChannel 0: totally?\n\nChannel 1: We have a rough kind of contrast, but but it's because it's health. Like, you know, we can you know, it just it just changes according to, you know, what they're going through. So it's\n\nChannel 0: Yep.\n\nChannel 1: not really part time. It's yeah.\n\nChannel 0: So it's money for the set hours. You sort of still manage it yourself. And as far as your income per annum, do you know based on the hours you're doing per week what that sort of looks like?\n\nChannel 1: Yeah. So that has also decreased, I said, in the last two years. I've just cut down. So at the moment, we're looking at, like, only 90. So there's been a bit of a, yeah, change.\n\nChannel 0: Yep. And then with in regards to that one, are you still planning on making your super contributions that you were previously?\n\nChannel 1: Yes. I think it has decreased a little bit to around, like, $1.70 a week in terms of, yeah, a contribution. But I think it's a bit less than what it used to be.\n\nChannel 0: Yep. Not a problem. And then based on your income at the moment, has your sort of savings goals per week or your expenditure changed at all per week that you know?\n\nChannel 1: Savings hasn't changed that much. The expenses have gone up.\n\nChannel 0: Yep. And then roughly sort of weekly, how much do you reckon you sort of, like, using per week in regards to expenditure as a household of individually?\n\nChannel 1: It would be sorry. Give me one second. Maybe one one one point one k\n\nChannel 0: Yep. And roughly sort of how much you're putting away towards, like, your your savings each week as a goal?\n\nChannel 1: each each week, $1.50.\n\nChannel 0: Perfect. And then as far as, like, any other contributions you plan on making, you're happy just doing the amount you're doing and don't plan on making anymore?\n\nChannel 1: Oh, sorry. For income?\n\nChannel 0: Towards, like, superannuation, any other\n\nChannel 1: Oh, superannuation.\n\nChannel 0: contributions, things? Yeah.\n\nChannel 1: Right.\n\nChannel 0: Sorry.\n\nChannel 1: Right. No. Not at this stage. No.\n\nChannel 0: Yeah. No problem at all. And then with your contributions, are you still just doing the non concessional and then claiming the no spend 10 at the end of the year? Do\n\nChannel 1: Yes. I yes. I I\n\nChannel 0: you\n\nChannel 1: think\n\nChannel 0: just\n\nChannel 1: so.\n\nChannel 0: do that with your account and then he just settles it all for you?\n\nChannel 1: Yeah. You yes.\n\nChannel 0: Yep. Not a problem. And then as far as your primary mortgage there with your parents living there, I believe,\n\nChannel 1: Mhmm.\n\nChannel 0: do you know roughly what that's sitting at at the moment?\n\nChannel 1: Mhmm. 680.\n\nChannel 0: $6.80. And is that earned $50.50 with your sister?\n\nChannel 1: That's right.\n\nChannel 0: Yep. And then as far as your car, do you still have the the Volkswagen? Yep. Do you know is it there's nothing on that. Do you know roughly what the value of that would be at the moment?\n\nChannel 1: Mhmm. No idea. I'm assuming it'd be around 15.\n\nChannel 0: Yep. And then I've got some music equipment and contents, like, totaling around 60,000. Does that sort of sound about right,\n\nChannel 1: Mhmm.\n\nChannel 0: Joel?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And savings is sitting around 40,000. Is that sort of roughly what you've got in savings at the moment?\n\nChannel 1: Savings. Actually, yes. Yep.\n\nChannel 0: Yep. Not a problem. And then as far as health concern, and I hear that you're a nonsmoker. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: And as far as any other health conditions, nothing sort of occurred in the last twelve months,\n\nChannel 1: No.\n\nChannel 0: knock wood?\n\nChannel 1: Nothing.\n\nChannel 0: Yep. No medications, anything like that?\n\nChannel 1: No.\n\nChannel 0: Yeah. Not a problem. And I know you don't have a will in place. Have you got around to sort of setting up a will in the last twelve months?\n\nChannel 1: No. I haven't.\n\nChannel 0: Yeah. No. That's fine. And as far as the goals that you are working towards there, Hina, is there anything that you're sort of trying to do at the moment apart from, like, your savings goals that you're sort of looking to achieve?\n\nChannel 1: Not not really. I think yeah. In terms of house yeah. And my partner's on a relatively decent wage, so he's kind of got those things sorted. But for me, personally, I think it's just whatever I can put to pay down the current mortgage.\n\nThat's kind of probably the the\n\nChannel 0: Yep.\n\nChannel 1: goal. But,\n\nChannel 0: And\n\nChannel 1: yeah,\n\nChannel 0: do you\n\nChannel 1: not\n\nChannel 0: plan\n\nChannel 1: much\n\nChannel 0: on\n\nChannel 1: else.\n\nChannel 0: purchasing, like, a house with your your partner that you guys will use\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: wouldn't be together. No.\n\nChannel 0: nothing to go? Yep. No. That's understandable. And then, yes, sort of the longer term goals there in regards to retirement.\n\nHas anything that of that sort of nature changed? Still, you know, retired around the age of 67?\n\nChannel 1: Yeah. No. I don't think I would prefer to yeah. Retire earlier.\n\nChannel 0: Yeah.\n\nChannel 1: No. Nothing has changed.\n\nChannel 0: Yep. And then in regards to insurances, have you had a think about those in sort of recent years not having insurance cover? Is that something you wanna review in terms of that, like looking at\n\nChannel 1: No.\n\nChannel 0: some\n\nChannel 1: I think I'll just leave it as is.\n\nChannel 0: Yep. And you're sort of aware of, like, the risk of not having insurance cover\n\nChannel 1: Mhmm.\n\nChannel 0: and just bridging the gap and being self insured or relying\n\nChannel 1: Yep.\n\nChannel 0: on any sort\n\nChannel 1: Yep.\n\nChannel 0: of Yep. Not a problem. Now we'll just jump in and do a quick risk profile there just to see how your risk tolerance has changed since we last sort of spoke there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now have you bought any direct shares since we last spoke or spoke to us\n\nChannel 1: None.\n\nChannel 0: here? Yep. Not a problem. And, obviously, given your age, you're still investing that longer term. But given inflation and the way things are with the cost of living at the moment and things like that, are you still willing to accept a high amount of risk to outpace inflation and aim for higher returns?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yep. And then if your portfolio was to decrease by 20% just due to general market trends or if the water sort of was to increase, would you still, like, hold and wait, or would you wanna sell the cash and minimize some sort of losses, or would you maybe invest modestly for for growth still?\n\nChannel 1: I guess, modestly. Again, I don't really have an opinion on this. I would just prefer to leave it to people who know better.\n\nChannel 0: Yeah. And during things like the COVID and those sort of events, like, as far as, like, investing in the the time invested, like, super sort of that, you know, ten to twenty year game of, like, investments and how they sort of track over time and having sort of high conviction through, like, downturns as well. And when there are dips in the market, obviously, Ben Long's a bit of a different sort of field there with what did occur with them. But, generally, when markets do take a dive, like things like GFCs, COVID events, and things like that, when the whole market takes a bit of a dip, for the market to never return just sort of illustrates that, you know, you probably wouldn't have to write about money at the end of the day because the world might not be around sort of thing. Like, the markets are always going to tick over.\n\nAnd over a long period of time, it's shown that even with those dips and events, they just end up being sort of blips on the the the scale with those Vanguard charts that over those longer period of times of, like, staying invested and holding investments, it does,\n\nChannel 1: Mhmm.\n\nChannel 0: like, rise. Obviously, you can sort of pick and choose a little bit and sort of have better results. And with your portfolio, since you you've been on board, you've had a bit of a a rough ride there, so I understand why you're a bit adverse to, you staying on board and having a look at things. We'll show you, obviously, a portfolio update and what that may look like, reducing\n\nChannel 1: Mhmm.\n\nChannel 0: some of that that risk in regards to active major risk because it is quite a high allocation that if that fund isn't performing well, your portfolio is not performing well, if\n\nChannel 1: Mhmm.\n\nChannel 0: that makes sense. Now we can still look to have an active portion to try and, you know, actively try and outperform the market, or we can even look at a lower cost option that is more passive indexed approach that if the markets are doing well, it's, like, cheaper and then it tracks quite well\n\nChannel 1: Mhmm.\n\nChannel 0: versus having\n\nChannel 1: Having.\n\nChannel 0: an active portion that tries to actively pick winners, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: And would you sort of wanna look at being more passively invested to reduce that level of, like, manager risk, or would you still wanna look to have a little bit of an active portion?\n\nChannel 1: I think having a I would prefer a balanced portfolio. So some that are relatively passive, but some I don't mind still being targeted for, I guess, high possibly high growth.\n\nChannel 0: Higher returns. Yeah. In saying that even with the the passive, you still have a similar allocation to growth assets. It just it wouldn't\n\nChannel 1: Yep.\n\nChannel 0: like, picking and choosing the winners, it just goes down to the market indexes with, like, the S and P 500, You've got 500 companies. Now if a company starts performing really well and sort of gets enough market share that ends up in the top 500, you then hold that investment. Same as if a company starts to drop off, they fall out of that 500, you no longer have it. So it's dynamic in the sense that those 500 companies still, like, change quite regularly in terms\n\nChannel 1: Yep.\n\nChannel 0: of, like, what's happening. But in saying that, they're not sort of picking and choosing winners to try and find, you know, people that have, you know, market share or undervalued,\n\nChannel 1: Yep.\n\nChannel 0: you know, things like that to where they might see greater returns or be the ones that jump up into those top 500. You may sort of hold those earlier, and those sort of the benefits of having those managed funds if the fund manager is performing quite well.\n\nChannel 1: Yep.\n\nChannel 0: But, obviously, they're a lot more volatile. They do have a lot of the ups and the downs. Even sort of with that, the passive over, you know, twenty year span versus, like, portfolio managers\n\nChannel 1: Mhmm.\n\nChannel 0: generally does quite well in comparison as well if you were to sort of just hold those indexes versus,\n\nChannel 1: Yep.\n\nChannel 0: you know, someone trying to do the picking and the choosing.\n\nChannel 1: Yep.\n\nChannel 0: So we'll probably look to have, like, the active portion still in there, but just not to the degree that you have currently that it is negatively affecting your portfolio when they do have those bad years,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. Now when your superannuation has taken a bit of a drop there, does that make you quite concerned or cautious, or is it just that you do wanna ensure that it is growing and still suitable?\n\nChannel 1: Oh, in the past, it hasn't because I understand, like, this is for a longer you know, it's a long investment, long term investment. So it doesn't get me, but I think it's been a long end. I guess, just kind of being left as is, I think, yeah, made me feel a bit, you know, quite anxious about it. So\n\nChannel 0: Yes.\n\nChannel 1: yeah. So it's only really when things like this happens and, you know, things weren't done to change. Every other time, like, you know, I understand the, you know, the fall and the rise of the stock. So I'm not I'm usually never that, you know, anxious about it at all, to be honest. So it\n\nChannel 0: It's\n\nChannel 1: was\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: that, yeah,\n\nChannel 1: mhmm.\n\nChannel 0: what did occur with that along that you didn't feel like you were sort of properly informed with it.\n\nChannel 1: Yeah. And I think yeah. Like, I I really do just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not. That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: I think, yeah, I just felt like I left it, and then now it's this is where we are and I think that's why I feel a little bit, yeah, I I guess disappointed. So usually, yeah, as I said, I'm not even if it did, like, it it's fine, but it's been going on for a bit too long and I just kinda thought you guys just left it because you guys think it would bounce back up or what for whatever reason, I just kinda trusted the, I guess, the professionals. So yeah.\n\nChannel 0: Yeah. And I can let you know too that, obviously, it was quite a smaller company when you came on board. It has grown quite a bit, and a lot of the people that sort of, you know, were responsible for the interviews that you did receive and sort of the service that you sort of were getting for those, you know, first few years where you were sort of just it's sort of blindly trusting. You know, a lot of them aren't around anymore, and they have updated the compliance and things like that as well and beefed out the the process to ensure that it doesn't sort of keep happening. Obviously, with the Benelon that did occur with the corporate traveler, that's sort of something that was out of anyone's control.\n\nBut as far as, like, the service you may not have received since being on board, that comes down to, obviously, you know, how people were handling some of your annual reviews. So I do apologize for that. We can only sort of try and change that moving forward if you did wanna stay with us.\n\nChannel 1: Yeah. So, yeah, I wouldn't mind just, yeah, receiving the report after this, and then I'll look. I am still leaning towards just scrolling over to AustralianSuper, but, again,\n\nChannel 0: Yep.\n\nChannel 1: like, I wouldn't mind just kind of, yeah, discussing if that was to happen, when would be, you know, a better time than, you know, worse? Just timing it in a way that I'm not leaving, I I I guess, in the worst time possible. So, yeah, that's something that I I wouldn't know. So it'd be nice to get, like, a professional's advice on it.\n\nChannel 0: Yeah. In in saying that in terms of, like, finding a right time, obviously, if the markets were a little less volatile, would probably be ideal in the sense that you won't get those, like, spikes or dips\n\nChannel 1: Of course.\n\nChannel 0: to where you could, like, lose out potentially. As far as, like,\n\nChannel 1: Yep.\n\nChannel 0: the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing. They haven't really sort of seen much sort of recovery in terms of, like, the dip that did occur, like, sort of hovering at the same amount. So in terms of, like, the CGT amount, it would just offset the the sale of the other assets selling down to cash and moving across Australian super. And then you'd just sort of be you know, there's no sort of timeline on when the the wars are gonna stop, which are\n\nChannel 1: Yes.\n\nChannel 0: sort of, you know,\n\nChannel 1: Of\n\nChannel 0: quite\n\nChannel 1: course.\n\nChannel 0: drivers in what's the volatility\n\nChannel 1: The\n\nChannel 0: of\n\nChannel 1: vault?\n\nChannel 0: the market and uncertainty, which has spiked, like, quite recently. So that's, like, the just the level of risk you'd be taking if you were to sort of roll out, now given that the time frames are selling down to cash and things like that as well.\n\nChannel 1: Yeah. Yeah. So, yeah, I was I was thinking, like, if if I was to roll over then, it probably now probably would be not ideal just as you said of the volatility. So, yeah, I wouldn't just mind waiting out a little bit because I don't know if Bennelong's gonna actually perform worse than they are.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: And\n\nChannel 1: yeah. Mhmm.\n\nChannel 0: as I did say as well, Ben, like, as a business decision, I'm moving away from Ben Long as well, which\n\nChannel 1: Which\n\nChannel 0: would be a part of, like, the updates. To monitor, like, what's going on, there's a thing called the the VIX index, like v I x, and\n\nChannel 1: Mhmm.\n\nChannel 0: it just sort of shows you the basically, what the markets are doing and, like, the volatility and expected sort of volatility in the\n\nChannel 1: Yeah.\n\nChannel 0: the markets and what that\n\nChannel 1: So\n\nChannel 0: sort\n\nChannel 1: yeah.\n\nChannel 0: of looks like.\n\nChannel 1: So yeah. With with the your, I guess, your company's direction. So if I have a pretty big portion in Bennelong,\n\nChannel 0: Yeah.\n\nChannel 1: would you guys be, what, selling now? Or, like, how\n\nChannel 0: Yeah.\n\nChannel 1: how\n\nChannel 0: A\n\nChannel 1: yeah.\n\nChannel 0: few, like, people have chosen to sort of hold it. Obviously, in regards to an investment, if they lose sort of conviction, how it's gonna perform long term, it's like, is it worth waiting to see how they recover, or is it worth just being in something else that you know is gonna be performing better? Because you still could wait another three or so months for Benelung to try and sort of recoup some of those losses versus just, you know, taking the loss offsetting some of that capital gains and then just being an investment that is sort of performing and getting the return. Even\n\nChannel 1: Yep.\n\nChannel 0: though you might be selling long, buying high, which is a\n\nChannel 1: Yep.\n\nChannel 0: bit of, like, you know, the cardinal sin, it's one of those things that it's is it worth sort of being on the the ship that may still be sinking, or is it worth just going on someone that is you know, you've\n\nChannel 1: Yeah.\n\nChannel 0: got conviction in long term again that you're sort of hoping we'll just get those those long term returns? Because as you said, you still got plenty of time on your side in terms\n\nChannel 1: Yep.\n\nChannel 0: of, like,\n\nChannel 1: Mhmm.\n\nChannel 0: your superannuation and, like, you know, recovering from, like, what has occurred in\n\nChannel 1: Yep.\n\nChannel 0: the the last sort of four months there with the. But in saying that it's just, yeah, one of those unfortunate things with the amount that you did lose in terms of a dollar figure. But, yeah, moving forward, we'd probably look to changing it up if you were comfortable just using that to offset it. So if you were still thinking about, like, I've just you know, I don't feel like I'm getting them much out of the service and not utilizing it to what I'm sort of paying, then you can sort of just look at doing it when you're you're comfortable. But, yeah, there is a high amount of volatility in the market at the moment, which could it could mean that you could sort of make money in the sense that if you sold the cash and then the markets took a dip and you're buying into Australian Super at the dip, it would benefit you.\n\nBut if it goes the other way and the market sort of do do a little bit of a jump in that period, when you have sold the cash, you just miss out on those potential gains as well,\n\nChannel 1: Yes.\n\nChannel 0: which unless they're sort of significant and significant, it's not sort of crazy. And that market may be a few percent over a couple of weeks that you might miss out on if it\n\nChannel 1: Okay.\n\nChannel 0: was to sort of go up in that that time frame versus, like, the the the CGT cost that you would be paying is sort of gonna be roughly the same depending on how your portfolio does perform. So we can get you the the CGT that's liable at the moment\n\nChannel 1: Mhmm.\n\nChannel 0: and what that might look at. And I can just email you a document. If you wanna sort of look at moving on, that's perfectly fine. I can just refer you on to the the case management department. They can sort of answer any other questions you have and the the process and assist you if you'd\n\nChannel 1: Okay.\n\nChannel 0: like to go that way, or we can just show you sort of what an investment update might look like. And then\n\nChannel 1: Yep.\n\nChannel 0: if you're happy with that and staying on board.\n\nChannel 1: Okay. Sure. Yeah. So let's do that. So, yeah, I'll grab the, if it's okay with you, the updated like, what what it'll look\n\nChannel 0: Yeah.\n\nChannel 1: like.\n\nChannel 0: I'll put the reports together in terms of, like,\n\nChannel 1: Yep.\n\nChannel 0: what you requested. I'll give you the the capital gains that's liable at the the moment and what that might look like. And then also\n\nChannel 1: Mhmm.\n\nChannel 0: just that little comparison to, like, as I said, it's quite a bit lower in terms of, like, the the option for Australian Super that's comparing to based on, like, the asset allocation. Obviously, like, being in their high growth is a bit more aggressively invested, which is why it sort of has gotten those higher rolling average returns, which is fine. It's probably the one you may have picked anywhere. That's something to just\n\nChannel 1: Yes.\n\nChannel 0: be mindful of as well that it would be, slightly more exposed in, like, your your current portfolio there as well. But do you have any other questions for me there, Hina, in regards to to any of that?\n\nChannel 1: No. No. All good. Thank you.\n\nChannel 0: Yep. Do do you feel like at least obviously, you're still kind of disappointed in what has occurred, but do you feel like you wanna make sort of a a complaint\n\nChannel 1: You can\n\nChannel 0: that's\n\nChannel 1: find\n\nChannel 0: addressed\n\nChannel 1: it.\n\nChannel 0: further, or do you feel like you've at least gotten an answer of what has occurred based on this phone call and are happy just to receive the information? Or\n\nChannel 1: Yeah. I think, yeah, I think you mentioned a couple of times now that, you know, your company has grown and, you know, it has changed. And I feel like, I guess, as people that are receiving the service, like, it doesn't really like, none of that really matters as long as,\n\nChannel 0: Yeah.\n\nChannel 1: like, you know, like, I just kind of if there was gonna be less service that we'll be receiving or whatever, like, I would kind of prefer to have known that because change of personnel and stuff that's, you know, that's not really our consent or, you know, it's not really a problem. So, yeah, I think yeah.\n\nChannel 0: Yes.\n\nChannel 1: Just generally, I just feel quite disappointed considering the fees that we pay and just to trust that I'm getting, like, professionals to kind of, you know, assault my super app and just knowing that it's in safe hands. But then I just yeah. I just felt yeah. I'd be disappointed.\n\nChannel 0: Yep. And if you'd still like to to raise that as a complaint to like, obviously, I am just one of the newer financial advisers that so within regards that, if you feel like you haven't been, like, receiving the service and would like to escalate that, I can pass it on to, like, our complaints department in terms of, like, what has occurred, and they can just\n\nChannel 1: Thank\n\nChannel 0: sort\n\nChannel 1: you.\n\nChannel 0: of review that and see where things are at.\n\nChannel 1: No. It's alright. It's okay. It's not really gonna change any outcome for me. So but I don't\n\nChannel 0: Okay. That's not a problem, Nina. Well, all I can do is apologize for, you know, what what did occur there. I'll get you all those reports. If you feel like you still just wanna roll out, just feel free to let me know,\n\nChannel 1: mind.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: I'll just\n\nChannel 1: Yep.\n\nChannel 0: refer you on to that that case\n\nChannel 1: Right.\n\nChannel 0: management department that can assist you in that.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Otherwise, if you do wanna look at what the update might look like, I'll hold on for now just until you sort of make a decision, but then I can just make a a note and get that started, that process if you do wanna look like what a a portfolio update might look like.\n\nChannel 1: Yeah. Look. I wouldn't mind look looking at it. And yeah. I I would prefer to, yeah, see what that update might look like first.\n\nAnd then, yeah, and then I'll have a bit of a think in the next week or so.\n\nChannel 0: Okay. Well, with that one, just I'll get them to do the research. I'll sort of put it to the top of the the pile for you, and it\n\nChannel 1: Mhmm.\n\nChannel 0: may still take a little bit then to to get the report and everything together because we'd put\n\nChannel 1: Yep.\n\nChannel 0: it together in a statement of advice. We wouldn't just sort of give you, like, a a portfolio\n\nChannel 1: Yep.\n\nChannel 0: just to show you what that might look like. We'll just do it based on the portfolio update because you don't really wanna address any other goals at this stage.\n\nChannel 1: Mhmm.\n\nChannel 0: And then I'll hopefully sort of get to that as quick as possible and get that through for you. And then, yeah, from there, you'll have all your reports. You'll have the what the update looks like. And then if you feel like you still wanna move on, that's more than more than fine.\n\nChannel 1: Yep. Cool. Thank you.\n\nChannel 0: No problem, Hina. Was there anything else you wanna have a chat about or anything you feel like I have an answer there for you today?\n\nChannel 1: No. All good. Thank you.\n\nChannel 0: No problem. Well, again, apologies, Hina, but, obviously, I'll try and sort of get on to this and get this sorted\n\nChannel 1: Alright.\n\nChannel 0: to show you what that might look like moving forward. Otherwise, you\n\nChannel 1: Yep.\n\nChannel 0: enjoy the rest of your day. Thanks for your\n\nChannel 1: Okay.\n\nChannel 0: time. I know it was a bit long winded for you.\n\nChannel 1: No. That's all good. Thank you so much for your time as well.\n\nChannel 0: No problem, Hannah. Thank you.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03865663334727287},{"text":"Christina speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.035039862617850304}],"sentiment":"neutral","sentiment_score":0.03624545286099116,"channel":1,"num_words":3,"start":0.39999998,"end":2.02},{"sentences":[{"text":"Hi, Hannah.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.20629989355802536},{"text":"It's Carl calling from Ophi Financial.","start":3.28,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.16297727078199387},{"text":"How are you 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all.","start":8.16,"end":8.88,"sentiment":"neutral","sentiment_score":0.32230834364891053},{"text":"Thank you","start":8.88,"end":9.28,"sentiment":"positive","sentiment_score":0.5987576246261597}],"sentiment":"positive","sentiment_score":0.38185296207666397,"channel":0,"num_words":8,"start":7.9199996,"end":9.28},{"sentences":[{"text":"That's","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5424424409866333}],"sentiment":"positive","sentiment_score":0.5424424409866333,"channel":1,"num_words":1,"start":9.2,"end":9.5199995},{"sentences":[{"text":"for asking.","start":9.28,"end":9.94,"sentiment":"positive","sentiment_score":0.5937035083770752}],"sentiment":"positive","sentiment_score":0.5937035083770752,"channel":0,"num_words":2,"start":9.28,"end":9.94},{"sentences":[{"text":"good.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6077942252159119},{"text":"All 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morning.","start":17.885,"end":19.985,"sentiment":"neutral","sentiment_score":0.19185441732406616}],"sentiment":"neutral","sentiment_score":0.2282731567437832,"channel":0,"num_words":26,"start":12.08,"end":19.985},{"sentences":[{"text":"Yes.","start":20.255001,"end":20.735,"sentiment":"neutral","sentiment_score":0.2362377792596817},{"text":"Yep.","start":20.735,"end":21.235,"sentiment":"positive","sentiment_score":0.3549805283546448}],"sentiment":"neutral","sentiment_score":0.29560915380716324,"channel":1,"num_words":2,"start":20.255001,"end":21.235},{"sentences":[{"text":"Perfect.","start":21.485,"end":21.985,"sentiment":"positive","sentiment_score":0.5996527671813965},{"text":"Just to get started on that one here, if I could just pass you through security with that name, date of birth, and card notice, we can get started on that 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Uxbridge Avenue, Doncaster 310","start":35.71,"end":38.525,"sentiment":"neutral","sentiment_score":0.061806267499923705}],"sentiment":"neutral","sentiment_score":0.061806267499923705,"channel":1,"num_words":5,"start":35.71,"end":38.525},{"sentences":[{"text":"Perfect.","start":38.78,"end":39.18,"sentiment":"neutral","sentiment_score":0.3308559060096741},{"text":"Thank you for that one.","start":39.18,"end":39.82,"sentiment":"positive","sentiment_score":0.5389119982719421},{"text":"Definitely.","start":39.82,"end":40.22,"sentiment":"neutral","sentiment_score":0.1505591720342636},{"text":"No.","start":40.22,"end":40.379997,"sentiment":"neutral","sentiment_score":-0.0481206551194191},{"text":"These calls are recorded for quality and training purposes there now as 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or","start":538.99005,"end":539.87006,"sentiment":"neutral","sentiment_score":-0.005376297980546952}],"sentiment":"neutral","sentiment_score":-0.005376297980546952,"channel":0,"num_words":2,"start":538.99005,"end":539.87006},{"sentences":[{"text":"Yep.","start":539.80005,"end":540.30005,"sentiment":"neutral","sentiment_score":0.0019458930473774672}],"sentiment":"neutral","sentiment_score":0.0019458930473774672,"channel":1,"num_words":1,"start":539.80005,"end":540.30005},{"sentences":[{"text":"active.","start":539.87006,"end":540.37006,"sentiment":"neutral","sentiment_score":0.03770403936505318},{"text":"And then with the passive, obviously, you're tracking the market.","start":541.135,"end":543.375,"sentiment":"neutral","sentiment_score":0.03439243882894516},{"text":"You still have the same allocation of those growth assets, so a similar potential for growth.","start":543.375,"end":547.315,"sentiment":"neutral","sentiment_score":0.1409736042842269},{"text":"But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners.","start":547.535,"end":555.395,"sentiment":"neutral","sentiment_score":-0.05775356665253639},{"text":"And, obviously,","start":555.89,"end":556.53,"sentiment":"neutral","sentiment_score":-0.002003625035285949}],"sentiment":"neutral","sentiment_score":0.01652319677944841,"channel":0,"num_words":58,"start":539.87006,"end":556.53},{"sentences":[{"text":"Yes.","start":556.295,"end":556.795,"sentiment":"neutral","sentiment_score":0.09880386292934418}],"sentiment":"neutral","sentiment_score":0.09880386292934418,"channel":1,"num_words":1,"start":556.295,"end":556.795},{"sentences":[{"text":"Benelon hasn't done that, and you do have quite an allocation to that.","start":556.53,"end":560.95,"sentiment":"neutral","sentiment_score":-0.05373447159161934},{"text":"So if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much","start":562.13,"end":578.965,"sentiment":"neutral","sentiment_score":0.09182293335164803}],"sentiment":"neutral","sentiment_score":0.06874675939722759,"channel":0,"num_words":82,"start":556.53,"end":578.965},{"sentences":[{"text":"Right.","start":579.865,"end":580.365,"sentiment":"neutral","sentiment_score":0.04689995571970939},{"text":"Yeah.","start":580.905,"end":581.405,"sentiment":"neutral","sentiment_score":0.030021730810403824}],"sentiment":"neutral","sentiment_score":0.03846084326505661,"channel":1,"num_words":2,"start":579.865,"end":581.405},{"sentences":[{"text":"versus, like oh, yeah.","start":581.19995,"end":582.8,"sentiment":"neutral","sentiment_score":-0.00856961659155786},{"text":"Sorry.","start":582.8,"end":583.3,"sentiment":"neutral","sentiment_score":-0.033572718501091}],"sentiment":"neutral","sentiment_score":-0.013570236973464489,"channel":0,"num_words":5,"start":581.19995,"end":583.3},{"sentences":[{"text":"Yeah.","start":583.56,"end":583.96,"sentiment":"neutral","sentiment_score":-0.010588495060801506},{"text":"So I think, yeah, that's another thing.","start":583.96,"end":585.48004,"sentiment":"neutral","sentiment_score":-0.007711655593344143},{"text":"Like, because it has dipped so much whether yeah.","start":585.48004,"end":589.32,"sentiment":"neutral","sentiment_score":-0.06731822879778014},{"text":"Like yeah.","start":589.32,"end":591.8,"sentiment":"neutral","sentiment_score":-0.03341231867671013},{"text":"No.","start":591.8,"end":592.04004,"sentiment":"neutral","sentiment_score":-0.10848423093557358}],"sentiment":"neutral","sentiment_score":-0.042287150584161284,"channel":1,"num_words":20,"start":583.56,"end":592.04004},{"sentences":[{"text":"I think yeah.","start":592.04004,"end":592.60004,"sentiment":"neutral","sentiment_score":-0.06842836489280064},{"text":"No.","start":592.60004,"end":592.84,"sentiment":"neutral","sentiment_score":-0.21231037378311157},{"text":"I kinda wish that, yeah, we had this one got a little bit earlier just because of the high percentage of been along in my account.","start":592.84,"end":601.57495,"sentiment":"neutral","sentiment_score":-0.1373330416301122}],"sentiment":"neutral","sentiment_score":-0.13294181836148103,"channel":1,"num_words":30,"start":592.04004,"end":601.57495},{"sentences":[{"text":"Yeah.","start":602.255,"end":602.495,"sentiment":"neutral","sentiment_score":-0.08860452473163605},{"text":"And","start":602.495,"end":602.995,"sentiment":"neutral","sentiment_score":-0.1106792539358139}],"sentiment":"neutral","sentiment_score":-0.09964188933372498,"channel":0,"num_words":2,"start":602.255,"end":602.995},{"sentences":[{"text":"So I think there's a bit of quite a, you know, sense of disappointment there that, you know, I wish there was a bit of action taken","start":602.51495,"end":609.975,"sentiment":"negative","sentiment_score":-0.42942387969405565}],"sentiment":"negative","sentiment_score":-0.42942387969405565,"channel":1,"num_words":27,"start":602.51495,"end":609.975},{"sentences":[{"text":"And with that, though, with what did occur with the Ben Long Fund, it was like sort of once the announcement was waived, it lost that quite quickly in a sense that","start":611.55,"end":621.40497,"sentiment":"neutral","sentiment_score":-0.3009781218133867}],"sentiment":"neutral","sentiment_score":-0.3009781218133867,"channel":0,"num_words":32,"start":611.55,"end":621.40497},{"sentences":[{"text":"beforehand.","start":621.38,"end":621.88,"sentiment":"negative","sentiment_score":-0.4251735210418701}],"sentiment":"negative","sentiment_score":-0.4251735210418701,"channel":1,"num_words":1,"start":621.38,"end":621.88},{"sentences":[{"text":"it only took a few days for them to take that significant hit, and it's just been sort of hovering around where it has been.","start":621.40497,"end":627.645,"sentiment":"negative","sentiment_score":-0.3917839848995209},{"text":"So even if we called you the day after, sort of like it did happen all the week after, it would be a similar sort of position whether we look to update it or hold for a little bit longer to see if it recoups some of those tips in the market.","start":627.645,"end":639.44,"sentiment":"neutral","sentiment_score":-0.19043357211809891},{"text":"And then, obviously, the war in Iran has sort of been, you know, playing a little bit of role with volatilities in the market as well.","start":639.44,"end":645.86,"sentiment":"neutral","sentiment_score":-0.2145351953804493},{"text":"If it was sort of in regards to the fund wasn't performing or negatively performing just based on, like, market metrics, it would have been likely picked up sooner and just sort of removed entirely.","start":646.39496,"end":657.855,"sentiment":"neutral","sentiment_score":-0.3057638862303325},{"text":"Benelon itself wasn't sort of performing horrendously, like, leading up to that point.","start":658.15497,"end":662.97,"sentiment":"neutral","sentiment_score":-0.3329141896504622}],"sentiment":"neutral","sentiment_score":-0.2669184167949569,"channel":0,"num_words":151,"start":621.40497,"end":662.97},{"sentences":[{"text":"It was just sort of that was a catalyst where there were funds that sort of potentially may have been performing better.","start":662.97,"end":668.81,"sentiment":"neutral","sentiment_score":-0.158567568117922},{"text":"It maybe should have been, like, reviewed just to see if it was up to date.","start":668.81,"end":671.625,"sentiment":"neutral","sentiment_score":-0.002861648565158248},{"text":"And then if there were sort of any changes that need to be","start":672.425,"end":674.665,"sentiment":"neutral","sentiment_score":0.012757048870508488}],"sentiment":"neutral","sentiment_score":-0.06604767137882757,"channel":0,"num_words":51,"start":662.97,"end":674.665},{"sentences":[{"text":"Yes.","start":674.515,"end":675.015,"sentiment":"neutral","sentiment_score":0.011005754582583904}],"sentiment":"neutral","sentiment_score":0.011005754582583904,"channel":1,"num_words":1,"start":674.515,"end":675.015},{"sentences":[{"text":"made and maybe having a discussion with you around the allocations and the weightings to that active fund.","start":674.665,"end":680.045,"sentiment":"neutral","sentiment_score":0.06447592791583803},{"text":"And I'm sorry if that wasn't sort of explained to you, like, clearly sort of previously.","start":680.105,"end":684.205,"sentiment":"neutral","sentiment_score":-0.22845126246102154}],"sentiment":"neutral","sentiment_score":-0.07337216167327236,"channel":0,"num_words":34,"start":674.665,"end":684.205},{"sentences":[{"text":"No.","start":684.995,"end":685.495,"sentiment":"neutral","sentiment_score":-0.285320520401001},{"text":"I don't think it was.","start":685.555,"end":686.695,"sentiment":"neutral","sentiment_score":-0.3042156457901001}],"sentiment":"neutral","sentiment_score":-0.30106645822525024,"channel":1,"num_words":6,"start":684.995,"end":686.695},{"sentences":[{"text":"Yeah.","start":687.61,"end":688.11,"sentiment":"neutral","sentiment_score":-0.067583829164505}],"sentiment":"neutral","sentiment_score":-0.067583829164505,"channel":0,"num_words":1,"start":687.61,"end":688.11},{"sentences":[{"text":"So I guess sorry.","start":688.70996,"end":691.18994,"sentiment":"neutral","sentiment_score":-0.0705884350463748},{"text":"Could I just have a bit of a, I guess, rundown of my current account?","start":691.18994,"end":696.41,"sentiment":"neutral","sentiment_score":-0.008163246201972167},{"text":"The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right","start":696.55,"end":704.025,"sentiment":"neutral","sentiment_score":0.031433357270779436}],"sentiment":"neutral","sentiment_score":0.009649961154260065,"channel":1,"num_words":46,"start":688.70996,"end":704.025},{"sentences":[{"text":"Yep.","start":705.625,"end":706.025,"sentiment":"neutral","sentiment_score":0.056188732385635376},{"text":"So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls.","start":706.025,"end":713.52,"sentiment":"neutral","sentiment_score":0.05224622741341591},{"text":"Because, obviously, when you came","start":713.52,"end":714.96,"sentiment":"neutral","sentiment_score":-0.15912106782197952}],"sentiment":"neutral","sentiment_score":0.018281905761649533,"channel":0,"num_words":31,"start":705.625,"end":714.96},{"sentences":[{"text":"now.","start":714.745,"end":715.245,"sentiment":"neutral","sentiment_score":-0.13225828111171722}],"sentiment":"neutral","sentiment_score":-0.13225828111171722,"channel":1,"num_words":1,"start":714.745,"end":715.245},{"sentences":[{"text":"on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover.","start":714.96,"end":720.98,"sentiment":"neutral","sentiment_score":-0.3309186693901817},{"text":"The war and tariff talk at the start of last year caused a significant stop like, dropping your superannuation, much like everyone else, which was sort of occurring, with the market volatility.","start":722.8,"end":732.925,"sentiment":"negative","sentiment_score":-0.45190747920423746},{"text":"It did recover sort of nicely from that.","start":732.925,"end":735.085,"sentiment":"neutral","sentiment_score":0.011119645088911057},{"text":"And then following that, that Benelon announcement and the wars in Iran there as well, it has not only from the Benelon, but then that taken a bit of a dive there as well.","start":735.085,"end":744.5,"sentiment":"neutral","sentiment_score":-0.02279785494594013},{"text":"So I can email you a copy of the account snapshot and then","start":744.72003,"end":747.68,"sentiment":"neutral","sentiment_score":0.1763127652498392}],"sentiment":"neutral","sentiment_score":-0.18736208431624077,"channel":0,"num_words":111,"start":714.96,"end":747.68},{"sentences":[{"text":"Yep.","start":747.51,"end":748.01,"sentiment":"neutral","sentiment_score":0.1533621847629547}],"sentiment":"neutral","sentiment_score":0.1533621847629547,"channel":1,"num_words":1,"start":747.51,"end":748.01},{"sentences":[{"text":"also in regards to the the asset performance over the last twelve months there as 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have","start":780.335,"end":786.435,"sentiment":"neutral","sentiment_score":-0.2269742088392377}],"sentiment":"neutral","sentiment_score":-0.2269742088392377,"channel":0,"num_words":24,"start":780.335,"end":786.435},{"sentences":[{"text":"Yep.","start":786.2325,"end":786.7325,"sentiment":"neutral","sentiment_score":-0.08355401456356049}],"sentiment":"neutral","sentiment_score":-0.08355401456356049,"channel":1,"num_words":1,"start":786.2325,"end":786.7325},{"sentences":[{"text":"had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform.","start":786.735,"end":798.03,"sentiment":"neutral","sentiment_score":0.16590244860150094},{"text":"Not too sure how much you utilize it to have a look at 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the the returns and what that sort of may have looked like, but in saying that you may have been or chosen a high growth option just with an Australian super,","start":851.22,"end":858.27997,"sentiment":"neutral","sentiment_score":0.08182884356938303}],"sentiment":"neutral","sentiment_score":0.08182884356938303,"channel":0,"num_words":32,"start":851.22,"end":858.27997},{"sentences":[{"text":"Mhmm.","start":858.29004,"end":858.61005,"sentiment":"neutral","sentiment_score":0.051666975021362305}],"sentiment":"neutral","sentiment_score":0.051666975021362305,"channel":1,"num_words":1,"start":858.29004,"end":858.61005},{"sentences":[{"text":"which 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year.","start":881.49,"end":889.945,"sentiment":"neutral","sentiment_score":0.020005849766589347}],"sentiment":"neutral","sentiment_score":0.020005849766589347,"channel":1,"num_words":21,"start":881.49,"end":889.945},{"sentences":[{"text":"Yep.","start":891.33,"end":891.73,"sentiment":"neutral","sentiment_score":0.09342028945684432},{"text":"I'll pull that up in regards to that one.","start":891.73,"end":894.93,"sentiment":"neutral","sentiment_score":0.0745456073847082},{"text":"Bear with me.","start":894.93,"end":895.83,"sentiment":"neutral","sentiment_score":0.04122870167096456}],"sentiment":"neutral","sentiment_score":0.06830898930247013,"channel":0,"num_words":13,"start":891.33,"end":895.83},{"sentences":[{"text":"Yep.","start":896.325,"end":896.825,"sentiment":"neutral","sentiment_score":0.06249561905860901}],"sentiment":"neutral","sentiment_score":0.06249561905860901,"channel":1,"num_words":1,"start":896.325,"end":896.825},{"sentences":[{"text":"And do you want just the twelve 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your your account.","start":991.68,"end":993.2,"sentiment":"neutral","sentiment_score":-0.17537740369637808},{"text":"So I understand if you haven't felt like you got the the most out of the service and feel a little bit disappointed.","start":993.2,"end":998.4,"sentiment":"negative","sentiment_score":-0.38205193825390027}],"sentiment":"neutral","sentiment_score":-0.24492159368389327,"channel":0,"num_words":46,"start":986.675,"end":998.4},{"sentences":[{"text":"Obviously, I can pass you on to the case management team, and they can assist you in sort of the changes, the rollover sort of what that looks like, the time frames as well.","start":998.4,"end":1008.075,"sentiment":"neutral","sentiment_score":0.04889769753550782}],"sentiment":"neutral","sentiment_score":0.04889769753550782,"channel":0,"num_words":34,"start":998.4,"end":1008.075},{"sentences":[{"text":"That 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Hina, that you sort of wanna have a discussion around?","start":1112.8151,"end":1120.0951,"sentiment":"neutral","sentiment_score":0.03276793218471787},{"text":"Or","start":1120.0951,"end":1120.5951,"sentiment":"neutral","sentiment_score":0.018770592287182808}],"sentiment":"neutral","sentiment_score":0.10106284580314936,"channel":0,"num_words":46,"start":1106.35,"end":1120.5951},{"sentences":[{"text":"Yeah.","start":1123.15,"end":1123.47,"sentiment":"neutral","sentiment_score":0.02581951394677162},{"text":"I guess, like, if I was to move the funds, I guess, because there's been quite a lot of, yeah, loss that has happened.","start":1123.47,"end":1134.305,"sentiment":"neutral","sentiment_score":-0.0507449257808427},{"text":"Like, I just want to move at the best time possible, you know, not at the worst time to move.","start":1134.925,"end":1141.745,"sentiment":"neutral","sentiment_score":-0.028235855512320995},{"text":"So I guess something that's something that I wouldn't mind discussing 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well.","start":1225.0499,"end":1248.995,"sentiment":"neutral","sentiment_score":0.10605155409791985},{"text":"So you might still likely end up paying some money.","start":1249.295,"end":1251.615,"sentiment":"neutral","sentiment_score":0.09048337489366531},{"text":"So whether or not sort of if you were to move now, you'd pay, like, a smaller amount of CGT if anyone was to improve in the the future or you were to sort of stay, utilize those to change up investments to carry forward and change the the capital gains around the a portfolio update moving forward, which is something we can do for you, Hina.","start":1251.615,"end":1270.525,"sentiment":"neutral","sentiment_score":0.2516457821562219},{"text":"Like, obviously, you feel like you haven't got the the best out of the service so far, but we can sort of do and show you what an investment update might look 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them.","start":1303.2649,"end":1308.485,"sentiment":"neutral","sentiment_score":-0.022900291439145803},{"text":"But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur.","start":1309.7001,"end":1316.52,"sentiment":"neutral","sentiment_score":0.02678927478771056},{"text":"With moving funds and selling down to cash, you are selling out of the market as well, and there's sort of never a right or wrong time unless you're trying to time the market.","start":1318.02,"end":1326.9149,"sentiment":"neutral","sentiment_score":-0.21379133927471497}],"sentiment":"neutral","sentiment_score":0.08382032743604954,"channel":0,"num_words":167,"start":1278.605,"end":1326.9149},{"sentences":[{"text":"Now the risk is is that if you were to sell down to cash and the markets were to sort of jump back up, given what is happening in the markets at the moment with the the war in Iran, those are potential losses you'd be leaving on the table versus if it was to go down, you'd sort of get the benefit of buying in lower with your money because it's sold down to cash prior to the price dropping with investments.","start":1327.455,"end":1348.15,"sentiment":"negative","sentiment_score":-0.357289553765791}],"sentiment":"negative","sentiment_score":-0.357289553765791,"channel":0,"num_words":83,"start":1327.455,"end":1348.15},{"sentences":[{"text":"Mhmm.","start":1348.1749,"end":1348.6749,"sentiment":"neutral","sentiment_score":-0.0654398500919342},{"text":"Mhmm.","start":1348.735,"end":1349.16,"sentiment":"neutral","sentiment_score":-0.05540359020233154}],"sentiment":"neutral","sentiment_score":-0.060421720147132874,"channel":1,"num_words":2,"start":1348.1749,"end":1349.16},{"sentences":[{"text":"But there's no sort of way to time that with what's going on just given the fact that I can't tell what Donald Trump's gonna do tomorrow, let alone what he's done previously.","start":1349.65,"end":1360.435,"sentiment":"neutral","sentiment_score":-0.25977287622112216},{"text":"It's hard to wrap your head around sort of thing.","start":1360.435,"end":1362.115,"sentiment":"negative","sentiment_score":-0.34438026547431944},{"text":"So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment","start":1362.115,"end":1371.6201,"sentiment":"neutral","sentiment_score":-0.1296808742918074}],"sentiment":"neutral","sentiment_score":-0.2155479406317075,"channel":0,"num_words":75,"start":1349.65,"end":1371.6201},{"sentences":[{"text":"Okay.","start":1371.755,"end":1372.255,"sentiment":"neutral","sentiment_score":-0.07656121999025345}],"sentiment":"neutral","sentiment_score":-0.07656121999025345,"channel":1,"num_words":1,"start":1371.755,"end":1372.255},{"sentences":[{"text":"versus, like, the capital gains is something you can calculate and what the liability would be and what you'd be sort of paying to move your funds out, if that makes sense.","start":1372.7201,"end":1380.7401,"sentiment":"neutral","sentiment_score":-0.1491477231029421}],"sentiment":"neutral","sentiment_score":-0.1491477231029421,"channel":0,"num_words":32,"start":1372.7201,"end":1380.7401},{"sentences":[{"text":"Okay.","start":1381.13,"end":1381.63,"sentiment":"neutral","sentiment_score":0.06308364868164062},{"text":"Alright.","start":1381.85,"end":1382.17,"sentiment":"neutral","sentiment_score":0.15771722793579102},{"text":"Well, I'm happy to organize a annual review because a lot has happened since then, and I just kinda feel like whatever stuff that I had with, you know, somewhat the end of last year wasn't I I guess it wasn't very helpful.","start":1382.17,"end":1397.965,"sentiment":"neutral","sentiment_score":0.03104394015877746},{"text":"So, like,","start":1398.745,"end":1399.305,"sentiment":"neutral","sentiment_score":0.016665632836520672}],"sentiment":"neutral","sentiment_score":0.03380896955570008,"channel":1,"num_words":47,"start":1381.13,"end":1399.305},{"sentences":[{"text":"Yep.","start":1399.26,"end":1399.76,"sentiment":"neutral","sentiment_score":0.0906822308897972}],"sentiment":"neutral","sentiment_score":0.0906822308897972,"channel":0,"num_words":1,"start":1399.26,"end":1399.76},{"sentences":[{"text":"I wouldn't mind, yeah, doing an annual review as soon as possible.","start":1399.305,"end":1403.12,"sentiment":"neutral","sentiment_score":0.13709759463866553},{"text":"And then I think you in that one, yeah, kinda just go over kinda what you told me today.","start":1403.26,"end":1409.2001,"sentiment":"neutral","sentiment_score":0.14540239423513412},{"text":"But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as well.","start":1410.22,"end":1419.895,"sentiment":"neutral","sentiment_score":0.05239424007860097}],"sentiment":"neutral","sentiment_score":0.09588791482383385,"channel":1,"num_words":64,"start":1399.305,"end":1419.895},{"sentences":[{"text":"Yep.","start":1420.25,"end":1420.5701,"sentiment":"neutral","sentiment_score":0.04200663045048714},{"text":"Because depending on your time today, I can run through, like, a bit of your your goals, what you're trying to achieve and sort of, you know, start afresh, like, as a blank slate sort of thing and just do the interview now, let you know where things are at, update your details, do a risk profile with you.","start":1420.5701,"end":1436.225,"sentiment":"neutral","sentiment_score":0.13663541727651984},{"text":"And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have.","start":1436.2849,"end":1442.73,"sentiment":"neutral","sentiment_score":0.1834232248365879}],"sentiment":"neutral","sentiment_score":0.14887682911718175,"channel":0,"num_words":84,"start":1420.25,"end":1442.73},{"sentences":[{"text":"Evan.","start":1443.0,"end":1443.5,"sentiment":"neutral","sentiment_score":0.0985126942396164}],"sentiment":"neutral","sentiment_score":0.0985126942396164,"channel":1,"num_words":1,"start":1443.0,"end":1443.5},{"sentences":[{"text":"And then also with that, we can sort of let you know what the current CGT is and what that looks like.","start":1443.0499,"end":1448.59,"sentiment":"neutral","sentiment_score":0.1168142252347686}],"sentiment":"neutral","sentiment_score":0.1168142252347686,"channel":0,"num_words":22,"start":1443.0499,"end":1448.59},{"sentences":[{"text":"Okay.","start":1449.625,"end":1450.125,"sentiment":"neutral","sentiment_score":0.1154116913676262}],"sentiment":"neutral","sentiment_score":0.1154116913676262,"channel":1,"num_words":1,"start":1449.625,"end":1450.125},{"sentences":[{"text":"And then whether or not you utilize that to just, you know, see what you'd be paying to move your funds out or whether or not you wanna do stay on and look at updating your portfolio 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the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright.","start":1460.875,"end":1477.2,"sentiment":"neutral","sentiment_score":0.18271978728865323},{"text":"The performance is alright this year and then moving on.","start":1477.26,"end":1479.92,"sentiment":"positive","sentiment_score":0.4491732954978943}],"sentiment":"neutral","sentiment_score":0.22248896761839068,"channel":0,"num_words":67,"start":1460.875,"end":1479.92},{"sentences":[{"text":"Yeah.","start":1481.505,"end":1481.8251,"sentiment":"neutral","sentiment_score":0.1298345923423767},{"text":"Sure.","start":1481.8251,"end":1482.2251,"sentiment":"neutral","sentiment_score":0.09017148613929749},{"text":"If if it doesn't take, I don't know how long this that this chat's gonna take.","start":1482.2251,"end":1486.6399,"sentiment":"neutral","sentiment_score":-0.039601607248187065},{"text":"If you can give me, like, an estimated, like, duration, I might","start":1486.6399,"end":1490.7999,"sentiment":"neutral","sentiment_score":-0.014241169827679792}],"sentiment":"neutral","sentiment_score":-0.019483789180715878,"channel":1,"num_words":30,"start":1481.505,"end":1490.7999},{"sentences":[{"text":"Okay.","start":1490.715,"end":1490.915,"sentiment":"neutral","sentiment_score":-0.001130863092839718}],"sentiment":"neutral","sentiment_score":-0.001130863092839718,"channel":0,"num_words":1,"start":1490.715,"end":1490.915},{"sentences":[{"text":"be 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goals to risk profile.","start":1493.275,"end":1495.755,"sentiment":"neutral","sentiment_score":0.04613410923629999},{"text":"It might take an extra sort of fifteen minutes if we go quickly.","start":1495.755,"end":1498.975,"sentiment":"neutral","sentiment_score":-0.003979950999984374}],"sentiment":"neutral","sentiment_score":0.018154575377702712,"channel":0,"num_words":25,"start":1492.235,"end":1498.975},{"sentences":[{"text":"Yep.","start":1499.245,"end":1499.565,"sentiment":"neutral","sentiment_score":0.09739021956920624},{"text":"That's","start":1499.565,"end":1500.065,"sentiment":"neutral","sentiment_score":0.1180473417043686}],"sentiment":"neutral","sentiment_score":0.10771878063678741,"channel":1,"num_words":2,"start":1499.245,"end":1500.065},{"sentences":[{"text":"Okay.","start":1500.53,"end":1500.85,"sentiment":"neutral","sentiment_score":0.15396648645401},{"text":"Not a problem at all.","start":1500.85,"end":1502.07,"sentiment":"neutral","sentiment_score":0.2495709091424942},{"text":"So I'll just go through and","start":1502.29,"end":1503.33,"sentiment":"neutral","sentiment_score":0.2063259482383728}],"sentiment":"neutral","sentiment_score":0.21998139346639314,"channel":0,"num_words":12,"start":1500.53,"end":1503.33},{"sentences":[{"text":"fine.","start":1503.325,"end":1503.825,"sentiment":"neutral","sentiment_score":0.201107919216156}],"sentiment":"neutral","sentiment_score":0.201107919216156,"channel":1,"num_words":1,"start":1503.325,"end":1503.825},{"sentences":[{"text":"confirm all your details there, Hina.","start":1503.33,"end":1505.35,"sentiment":"neutral","sentiment_score":0.16832459221283594},{"text":"In regards to your address, that's all the same.","start":1505.73,"end":1509.41,"sentiment":"neutral","sentiment_score":0.06528320494625303},{"text":"Email's still hikar oh,ininako.f@iCloud.com?","start":1509.41,"end":1515.345,"sentiment":"neutral","sentiment_score":0.04571188893169165}],"sentiment":"neutral","sentiment_score":0.09370231334316104,"channel":0,"num_words":19,"start":1503.33,"end":1515.345},{"sentences":[{"text":"Finago.s@icloud.com.","start":1515.34,"end":1517.74,"sentiment":"neutral","sentiment_score":0.03397009149193764},{"text":"Yep.","start":1517.74,"end":1518.24,"sentiment":"neutral","sentiment_score":0.26656973361968994}],"sentiment":"neutral","sentiment_score":0.1502699125558138,"channel":1,"num_words":2,"start":1515.34,"end":1518.24},{"sentences":[{"text":"Perfect.","start":1518.465,"end":1518.965,"sentiment":"positive","sentiment_score":0.5796237587928772},{"text":"And I've got your defacto partner here as an extra kin, but no details or anything.","start":1519.1849,"end":1523.745,"sentiment":"neutral","sentiment_score":0.18135274085216224},{"text":"Did you wanna put down an extra kin, or are you happy just to leave that 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money for the set hours.","start":1599.155,"end":1600.755,"sentiment":"neutral","sentiment_score":0.03311927297285625},{"text":"You sort of still manage it yourself.","start":1600.755,"end":1602.375,"sentiment":"neutral","sentiment_score":0.07011479884386063},{"text":"And as far as your income per annum, do you know based on the hours you're doing per week what that sort of looks like?","start":1603.155,"end":1608.535,"sentiment":"neutral","sentiment_score":0.0020708499755710363}],"sentiment":"neutral","sentiment_score":0.019856660310417797,"channel":0,"num_words":39,"start":1599.155,"end":1608.535},{"sentences":[{"text":"Yeah.","start":1608.61,"end":1608.9299,"sentiment":"neutral","sentiment_score":-0.07561130076646805},{"text":"So that has also decreased, I said, in the last two years.","start":1608.9299,"end":1611.97,"sentiment":"neutral","sentiment_score":-0.25478527943293255},{"text":"I've just cut 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actively pick winners, if that makes sense.","start":2098.5,"end":2102.52,"sentiment":"neutral","sentiment_score":0.09092987987857598}],"sentiment":"neutral","sentiment_score":0.09092987987857598,"channel":0,"num_words":13,"start":2098.5,"end":2102.52},{"sentences":[{"text":"Yep.","start":2102.6602,"end":2103.1602,"sentiment":"neutral","sentiment_score":0.17419640719890594}],"sentiment":"neutral","sentiment_score":0.17419640719890594,"channel":1,"num_words":1,"start":2102.6602,"end":2103.1602},{"sentences":[{"text":"And would you sort of wanna look at being more passively invested to reduce that level of, like, manager risk, or would you still wanna look to have a little bit of an active portion?","start":2104.275,"end":2112.855,"sentiment":"neutral","sentiment_score":0.1324129600610052}],"sentiment":"neutral","sentiment_score":0.1324129600610052,"channel":0,"num_words":35,"start":2104.275,"end":2112.855},{"sentences":[{"text":"I think having a I would prefer a balanced 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wouldn't","start":2134.225,"end":2135.825,"sentiment":"neutral","sentiment_score":0.10403223149478436}],"sentiment":"neutral","sentiment_score":0.183069523734351,"channel":0,"num_words":24,"start":2128.305,"end":2135.825},{"sentences":[{"text":"Yep.","start":2135.36,"end":2135.655,"sentiment":"neutral","sentiment_score":0.04221205040812493}],"sentiment":"neutral","sentiment_score":0.04221205040812493,"channel":1,"num_words":1,"start":2135.36,"end":2135.655},{"sentences":[{"text":"like, picking and choosing the winners, it just goes down to the market indexes with, like, the S and P 500, You've got 500 companies.","start":2135.905,"end":2143.1702,"sentiment":"neutral","sentiment_score":0.12130254670977593},{"text":"Now if a company starts performing really well and sort of gets enough market share that ends up in the top 500, you then hold that investment.","start":2143.23,"end":2149.4102,"sentiment":"neutral","sentiment_score":0.1378492179016272},{"text":"Same as if a company starts to drop off, they fall out of that 500, you no longer have it.","start":2149.6301,"end":2154.135,"sentiment":"neutral","sentiment_score":-0.15015383902937174},{"text":"So it's dynamic in the sense that those 500 companies still, like, change quite regularly in terms","start":2154.375,"end":2158.935,"sentiment":"neutral","sentiment_score":0.06603381826597102}],"sentiment":"neutral","sentiment_score":0.05476394023620681,"channel":0,"num_words":89,"start":2135.905,"end":2158.935},{"sentences":[{"text":"Yep.","start":2158.88,"end":2159.38,"sentiment":"neutral","sentiment_score":0.03306230157613754}],"sentiment":"neutral","sentiment_score":0.03306230157613754,"channel":1,"num_words":1,"start":2158.88,"end":2159.38},{"sentences":[{"text":"of, like, what's happening.","start":2158.935,"end":2160.075,"sentiment":"neutral","sentiment_score":-0.08090331684798002},{"text":"But in saying that, they're not sort of picking and choosing winners to try and find, you know, people that have, you know, 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yeah.","start":2273.575,"end":2274.695,"sentiment":"neutral","sentiment_score":-0.08325745910406113},{"text":"Like, I I really do just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not.","start":2274.695,"end":2284.44,"sentiment":"neutral","sentiment_score":-0.12760035621543084},{"text":"That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person.","start":2284.44,"end":2294.46,"sentiment":"neutral","sentiment_score":0.08006415393595633}],"sentiment":"neutral","sentiment_score":-0.018400850252726593,"channel":1,"num_words":74,"start":2273.255,"end":2294.46},{"sentences":[{"text":"Yeah.","start":2294.905,"end":2295.405,"sentiment":"neutral","sentiment_score":-0.06753094494342804}],"sentiment":"neutral","sentiment_score":-0.06753094494342804,"channel":0,"num_words":1,"start":2294.905,"end":2295.405},{"sentences":[{"text":"So","start":2295.4,"end":2295.56,"sentiment":"neutral","sentiment_score":-0.10659150779247284}],"sentiment":"neutral","sentiment_score":-0.10659150779247284,"channel":1,"num_words":1,"start":2295.4,"end":2295.56},{"sentences":[{"text":"No.","start":2295.465,"end":2295.965,"sentiment":"neutral","sentiment_score":-0.26958560943603516}],"sentiment":"neutral","sentiment_score":-0.26958560943603516,"channel":0,"num_words":1,"start":2295.465,"end":2295.965},{"sentences":[{"text":"I think, yeah, I just felt like 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also","start":2712.365,"end":2713.0051,"sentiment":"neutral","sentiment_score":0.05525512620806694}],"sentiment":"neutral","sentiment_score":0.0874609088152647,"channel":0,"num_words":25,"start":2706.445,"end":2713.0051},{"sentences":[{"text":"Mhmm.","start":2712.73,"end":2713.215,"sentiment":"neutral","sentiment_score":0.02965756319463253}],"sentiment":"neutral","sentiment_score":0.02965756319463253,"channel":1,"num_words":1,"start":2712.73,"end":2713.215},{"sentences":[{"text":"just that little comparison to, like, as I said, it's quite a bit lower in terms of, like, the the option for Australian Super that's comparing to based on, like, the asset allocation.","start":2713.0051,"end":2723.5,"sentiment":"neutral","sentiment_score":0.032346049986892576},{"text":"Obviously, like, being in their high growth is a bit more aggressively invested, which is why it sort of has gotten those higher rolling average returns, which is fine.","start":2725.4,"end":2734.4548,"sentiment":"neutral","sentiment_score":0.2046844638113318},{"text":"It's probably the one you may have picked anywhere.","start":2734.4548,"end":2736.4749,"sentiment":"neutral","sentiment_score":0.1569441987408532},{"text":"That's something to just","start":2737.015,"end":2737.815,"sentiment":"neutral","sentiment_score":0.0630806079134345}],"sentiment":"neutral","sentiment_score":0.11557452427223325,"channel":0,"num_words":75,"start":2713.0051,"end":2737.815},{"sentences":[{"text":"Yes.","start":2737.63,"end":2737.845,"sentiment":"neutral","sentiment_score":0.051266491413116455}],"sentiment":"neutral","sentiment_score":0.051266491413116455,"channel":1,"num_words":1,"start":2737.63,"end":2737.845},{"sentences":[{"text":"be mindful of as well that it would be, slightly more exposed in, like, your your current portfolio there as well.","start":2737.815,"end":2743.99,"sentiment":"neutral","sentiment_score":0.011011342917169844},{"text":"But do you have any other questions for me there, Hina, in regards to to any of that?","start":2745.57,"end":2749.51,"sentiment":"neutral","sentiment_score":0.0421411692061358}],"sentiment":"neutral","sentiment_score":0.02537895505053875,"channel":0,"num_words":39,"start":2737.815,"end":2749.51},{"sentences":[{"text":"No.","start":2749.845,"end":2750.19,"sentiment":"neutral","sentiment_score":-0.14711275696754456},{"text":"No.","start":2750.43,"end":2750.67,"sentiment":"neutral","sentiment_score":-0.09898851811885834},{"text":"All good.","start":2750.67,"end":2751.23,"sentiment":"neutral","sentiment_score":0.27593573927879333},{"text":"Thank you.","start":2751.23,"end":2752.05,"sentiment":"positive","sentiment_score":0.4196091741323471}],"sentiment":"neutral","sentiment_score":0.190831425289313,"channel":1,"num_words":6,"start":2749.845,"end":2752.05},{"sentences":[{"text":"Yep.","start":2752.305,"end":2752.7048,"sentiment":"neutral","sentiment_score":0.17551133036613464},{"text":"Do do you feel 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or do you feel like you've at least gotten an answer of what has occurred based on this phone call and are happy just to receive the information?","start":2760.305,"end":2768.54,"sentiment":"neutral","sentiment_score":0.1398523505134829},{"text":"Or","start":2769.48,"end":2769.98,"sentiment":"neutral","sentiment_score":0.15932515263557434}],"sentiment":"neutral","sentiment_score":0.14050144391755262,"channel":0,"num_words":30,"start":2760.305,"end":2769.98},{"sentences":[{"text":"Yeah.","start":2770.5251,"end":2771.0251,"sentiment":"neutral","sentiment_score":0.09616966545581818},{"text":"I think, yeah, I think you mentioned a couple of times now that, you know, your company has grown and, you know, it has changed.","start":2771.405,"end":2779.84,"sentiment":"neutral","sentiment_score":0.11603676304221153},{"text":"And I feel like, I guess, as people that are receiving the service, like, it doesn't really like, none of that really matters as long 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where things are at.","start":2845.65,"end":2848.3098,"sentiment":"neutral","sentiment_score":0.03437412199046877}],"sentiment":"neutral","sentiment_score":0.03437412199046877,"channel":0,"num_words":9,"start":2845.65,"end":2848.3098},{"sentences":[{"text":"No.","start":2849.2551,"end":2849.5752,"sentiment":"neutral","sentiment_score":-0.1432446390390396},{"text":"It's alright.","start":2849.5752,"end":2850.215,"sentiment":"neutral","sentiment_score":-0.063056081533432},{"text":"It's okay.","start":2850.215,"end":2850.7751,"sentiment":"neutral","sentiment_score":0.10743042081594467},{"text":"It's not really gonna change any outcome for me.","start":2850.7751,"end":2852.935,"sentiment":"neutral","sentiment_score":-0.2589585764540566},{"text":"So but I 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stage.","start":2914.645,"end":2919.545,"sentiment":"neutral","sentiment_score":0.05442449849631105}],"sentiment":"neutral","sentiment_score":0.06889255673935016,"channel":0,"num_words":30,"start":2913.285,"end":2919.545},{"sentences":[{"text":"Mhmm.","start":2919.5898,"end":2920.0898,"sentiment":"neutral","sentiment_score":0.09119603037834167}],"sentiment":"neutral","sentiment_score":0.09119603037834167,"channel":1,"num_words":1,"start":2919.5898,"end":2920.0898},{"sentences":[{"text":"And then I'll hopefully sort of get to that as quick as possible and get that through for you.","start":2920.405,"end":2924.88,"sentiment":"neutral","sentiment_score":0.25701774264636795},{"text":"And then, yeah, from there, you'll have all your reports.","start":2924.96,"end":2927.44,"sentiment":"neutral","sentiment_score":0.24884968250989914},{"text":"You'll have the what the update looks like.","start":2927.44,"end":2929.6199,"sentiment":"neutral","sentiment_score":0.3029428906738758},{"text":"And then if you feel like you still wanna move on, that's more than more than fine.","start":2929.68,"end":2933.46,"sentiment":"neutral","sentiment_score":0.32611357289202075}],"sentiment":"neutral","sentiment_score":0.2840612555543582,"channel":0,"num_words":54,"start":2920.405,"end":2933.46},{"sentences":[{"text":"Yep.","start":2933.2852,"end":2933.7852,"sentiment":"positive","sentiment_score":0.35505256056785583},{"text":"Cool.","start":2933.925,"end":2934.33,"sentiment":"positive","sentiment_score":0.6591167449951172},{"text":"Thank you.","start":2934.4102,"end":2935.07,"sentiment":"positive","sentiment_score":0.7220176160335541}],"sentiment":"positive","sentiment_score":0.6145511344075203,"channel":1,"num_words":4,"start":2933.2852,"end":2935.07},{"sentences":[{"text":"No problem, Hina.","start":2935.2,"end":2936.0,"sentiment":"positive","sentiment_score":0.4161324699719747},{"text":"Was there anything else you wanna have a chat about or anything you feel like I have an answer there for you today?","start":2936.0,"end":2939.655,"sentiment":"neutral","sentiment_score":0.24715837512327277}],"sentiment":"neutral","sentiment_score":0.2666553860673538,"channel":0,"num_words":26,"start":2935.2,"end":2939.655},{"sentences":[{"text":"No.","start":2940.09,"end":2940.4102,"sentiment":"neutral","sentiment_score":0.047851886600255966},{"text":"All good.","start":2940.4102,"end":2941.1501,"sentiment":"neutral","sentiment_score":0.28123459964990616},{"text":"Thank you.","start":2941.21,"end":2942.03,"sentiment":"positive","sentiment_score":0.3704377710819244}],"sentiment":"neutral","sentiment_score":0.2702393256127834,"channel":1,"num_words":5,"start":2940.09,"end":2942.03},{"sentences":[{"text":"No problem.","start":2942.295,"end":2943.035,"sentiment":"neutral","sentiment_score":0.22467231005430222},{"text":"Well, again, apologies, Hina, but, obviously, I'll try and sort of get on to this and get this sorted","start":2943.655,"end":2948.615,"sentiment":"neutral","sentiment_score":0.06141745103032965}],"sentiment":"neutral","sentiment_score":0.07696553284213656,"channel":0,"num_words":21,"start":2942.295,"end":2948.615},{"sentences":[{"text":"Alright.","start":2948.57,"end":2949.07,"sentiment":"neutral","sentiment_score":0.22342324256896973}],"sentiment":"neutral","sentiment_score":0.22342324256896973,"channel":1,"num_words":1,"start":2948.57,"end":2949.07},{"sentences":[{"text":"to show you what that might look like moving forward.","start":2948.615,"end":2951.627,"sentiment":"neutral","sentiment_score":0.24767764881253243},{"text":"Otherwise, you","start":2951.687,"end":2952.247,"sentiment":"neutral","sentiment_score":0.3207131028175354}],"sentiment":"neutral","sentiment_score":0.2598502244800329,"channel":0,"num_words":12,"start":2948.615,"end":2952.247},{"sentences":[{"text":"Yep.","start":2952.095,"end":2952.595,"sentiment":"positive","sentiment_score":0.4407137334346771}],"sentiment":"positive","sentiment_score":0.4407137334346771,"channel":1,"num_words":1,"start":2952.095,"end":2952.595},{"sentences":[{"text":"enjoy the rest of your day.","start":2952.247,"end":2953.127,"sentiment":"positive","sentiment_score":0.7212982376416525},{"text":"Thanks for your","start":2953.127,"end":2953.607,"sentiment":"positive","sentiment_score":0.5953800479571024}],"sentiment":"positive","sentiment_score":0.6793255077468024,"channel":0,"num_words":9,"start":2952.247,"end":2953.607},{"sentences":[{"text":"Okay.","start":2953.535,"end":2954.035,"sentiment":"neutral","sentiment_score":0.3311854302883148}],"sentiment":"neutral","sentiment_score":0.3311854302883148,"channel":1,"num_words":1,"start":2953.535,"end":2954.035},{"sentences":[{"text":"time.","start":2953.607,"end":2953.767,"sentiment":"neutral","sentiment_score":0.3130258321762085},{"text":"I know it was a bit long winded for you.","start":2953.767,"end":2955.787,"sentiment":"neutral","sentiment_score":-0.025846492499113083}],"sentiment":"neutral","sentiment_score":0.004960082471370697,"channel":0,"num_words":11,"start":2953.607,"end":2955.787},{"sentences":[{"text":"No.","start":2955.695,"end":2956.015,"sentiment":"neutral","sentiment_score":-0.09295295923948288},{"text":"That's all good.","start":2956.015,"end":2956.655,"sentiment":"neutral","sentiment_score":0.32203395167986554},{"text":"Thank you so much for your time as well.","start":2956.655,"end":2958.515,"sentiment":"positive","sentiment_score":0.7019496096505059}],"sentiment":"positive","sentiment_score":0.553130414050359,"channel":1,"num_words":13,"start":2955.695,"end":2958.515},{"sentences":[{"text":"No problem, Hannah.","start":2958.567,"end":2959.367,"sentiment":"positive","sentiment_score":0.3722286323706309},{"text":"Thank you.","start":2959.367,"end":2959.847,"sentiment":"positive","sentiment_score":0.5727820992469788}],"sentiment":"positive","sentiment_score":0.45245001912117006,"channel":0,"num_words":5,"start":2958.567,"end":2959.847},{"sentences":[{"text":"Alright.","start":2959.615,"end":2960.015,"sentiment":"positive","sentiment_score":0.34629523754119873}],"sentiment":"positive","sentiment_score":0.34629523754119873,"channel":1,"num_words":1,"start":2959.615,"end":2960.015},{"sentences":[{"text":"Bye.","start":2959.847,"end":2960.347,"sentiment":"positive","sentiment_score":0.35057395696640015}],"sentiment":"positive","sentiment_score":0.35057395696640015,"channel":0,"num_words":1,"start":2959.847,"end":2960.347},{"sentences":[{"text":"Thank you.","start":2960.015,"end":2960.575,"sentiment":"positive","sentiment_score":0.5909608006477356},{"text":"Bye.","start":2960.575,"end":2961.075,"sentiment":"neutral","sentiment_score":-0.04993464425206184}],"sentiment":"positive","sentiment_score":0.37732898568113643,"channel":1,"num_words":3,"start":2960.015,"end":2961.075}]},"summary":{"result":"success","short":"During a conversation between representatives from Oicht Financial and a customer named Hannah, they discuss the performance of Hannah's portfolio and compare it to the previous year. They also discuss the impact of the war in Iran on the market and the possibility of moving funds to re retail cover. The representatives suggest reviewing and updating the portfolio and discuss the risks of selling cash and the benefits of a passive approach to investing. They also mention the possibility of working from home and offer to pass the speaker on to case management for changes and rollover. The conversation ends with the agent suggesting waiting until the market is better before adjusting their strategy and providing information on investment updates and a comparison to the current portfolio."},"intents":{"segments":[{"text":"These calls are recorded for quality and training purposes there now as well, eight.","start_word":129,"end_word":142,"intents":[{"intent":"Record calls and determine performance","confidence_score":0.000008032454}]},{"text":"And, yeah, I thought from how, you know, I feel how you guys are going out, I just wanted to get, I guess, numbers and I wanted to compare.","start_word":470,"end_word":498,"intents":[{"intent":"Compare portfolio performance","confidence_score":0.19795845}]},{"text":"As a result of that as well, people have sort of lost consumer confidence in the the Benelong been fund long. itself, you know, not monitoring their investments or seeing any sort Yep.","start_word":728,"end_word":760,"intents":[{"intent":"Analyze fund performance","confidence_score":0.2809472}]},{"text":"December is when the the been long sort of occurred. They have, like, in the newsletters, addressed it in terms of, like, the what has been occurring and the call if you had any concerns regarding.","start_word":1226,"end_word":1261,"intents":[{"intent":"Address concerns","confidence_score":0.21823867}]},{"text":"So I was kind of expecting that, you know, you guys would be kind of being proactive to, you know, either call me to change or you know?","start_word":1406,"end_word":1433,"intents":[{"intent":"Request proactive action","confidence_score":0.00087716855}]},{"text":"And But so sorry if it wasn't sort of explained when you first came on, like, how it sort of generally so when you first come on board, they generally ask, like, if you want sort of yearly reviews quarterly, those sort of things, because super is a long term game. Like, if you were chopping and changing quite regularly, you'd be day trading, which isn't something you really wanna do with super.","start_word":1458,"end_word":1530,"intents":[{"intent":"Express confusion","confidence_score":0.008371409}]},{"text":"Now, obviously, in regards to something so significant in a portion being in your portfolio, it probably should have been, like, reviewed given your time on board maybe a little bit earlier Absolutely.","start_word":1530,"end_word":1562,"intents":[{"intent":"Review portfolio","confidence_score":0.28658628}]},{"text":"And then with the passive, obviously, you're tracking the market. You still have the same allocation of those growth assets, so a similar potential for growth. But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners. And, obviously, Yes.","start_word":1715,"end_word":1772,"intents":[{"intent":"Track market","confidence_score":0.56526554}]},{"text":"But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners.","start_word":1741,"end_word":1769,"intents":[{"intent":"Find gaps","confidence_score":0.3115044}]},{"text":"So if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much Right.","start_word":1787,"end_word":1856,"intents":[{"intent":"Update fund information","confidence_score":0.07768958}]},{"text":"made and maybe having a discussion with you around the allocations and the weightings to that active fund.","start_word":2178,"end_word":2195,"intents":[{"intent":"Discuss fund weightings","confidence_score":0.011862445}]},{"text":"Could I just have a bit of a, I guess, rundown of my current account? The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right Yep.","start_word":2222,"end_word":2264,"intents":[{"intent":"Compare portfolio levels","confidence_score":0.0001490687}]},{"text":"So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls.","start_word":2265,"end_word":2289,"intents":[{"intent":"Provide account snapshot","confidence_score":0.26503506}]},{"text":"on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover.","start_word":2296,"end_word":2319,"intents":[{"intent":"Discuss covid-19 impact","confidence_score":0.09651522}]},{"text":"also in regards to the the asset performance over the last twelve months there as well.","start_word":2408,"end_word":2423,"intents":[{"intent":"Highlight asset performance","confidence_score":0.3765888}]},{"text":"within Australian super, the likelihood was you'd be slightly more exposed and have a little bit more risky exposure, but you probably would have Yep.","start_word":2508,"end_word":2532,"intents":[{"intent":"Explain risk factors","confidence_score":0.0100021465}]},{"text":"had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform.","start_word":2534,"end_word":2576,"intents":[{"intent":"Track super","confidence_score":0.20089178}]},{"text":"I I could find it, but just like a breakdown of your as well, both, you know, just the annual and the percentage of account balance plus investment fee and the transaction cost.","start_word":2618,"end_word":2650,"intents":[{"intent":"Determine transaction price","confidence_score":4.4589865e-7}]},{"text":"in regards to the investment fee that comes down to the investments you hold, I can Yep. do it, email you the little projections table that Yep. shows you.","start_word":2656,"end_word":2684,"intents":[{"intent":"Understand investment fees","confidence_score":0.0015343458}]},{"text":"So I can show you what that looks like Yep. in That would terms be of great.","start_word":2726,"end_word":2742,"intents":[{"intent":"Determine portfolio performance","confidence_score":0.0010436737}]},{"text":"So as the markets do fluctuate, obviously, the fee does fluctuate a little bit there as well Yeah.","start_word":2826,"end_word":2843,"intents":[{"intent":"Report market fluctuations","confidence_score":0.0000030677447}]},{"text":"Would you be able to give, like, a, like, approximately how much the total fee was for even the last year. Yep.","start_word":2855,"end_word":2876,"intents":[{"intent":"Determine total fee","confidence_score":0.15610048}]},{"text":"I think just from kinda reviewing yeah. I guess doing my own research and just comparing with my partners, etcetera. I think it may be best for me to move Superfund. Yep.","start_word":3003,"end_word":3034,"intents":[{"intent":"Review accounts","confidence_score":0.11674044}]},{"text":"I think it may be best for me to move Superfund. Yep.","start_word":3023,"end_word":3034,"intents":[{"intent":"Move superfund","confidence_score":0.022974346}]},{"text":"yeah, if you did wanna have, like, a discussion around sort of the investments and what they're sort of sitting at, obviously, in regards to that as well, you will crystallize those losses when when moving funds.","start_word":3121,"end_word":3157,"intents":[{"intent":"Discuss investments","confidence_score":0.33463246}]},{"text":"once you like, just as a brief rundown, if you were to sort of find, you know, the fund you were happy with, open up an account with them, you can just request the rollover through that.","start_word":3275,"end_word":3311,"intents":[{"intent":"Request rollover","confidence_score":0.86122286},{"intent":"Discuss funds","confidence_score":0.004708782}]},{"text":"But do you have any questions that I haven't answered today there, Hina, that you sort of wanna have a discussion around? Or Yeah.","start_word":3484,"end_word":3507,"intents":[{"intent":"Seek clarification","confidence_score":0.00007186919}]},{"text":"I guess, like, if I was to move the funds, I guess, because there's been quite a lot of, yeah, loss that has happened. Like, I just want to move at the best time possible, you know, not at the worst time to move.","start_word":3508,"end_word":3551,"intents":[{"intent":"Reschedule","confidence_score":0.0025350903}]},{"text":"But just from looking comparing everything from performance and the fees, I think, yeah, it does make sense for me to move.","start_word":3641,"end_word":3662,"intents":[{"intent":"Compare performance","confidence_score":0.28563777}]},{"text":"But I do want to, yeah, get the best advice, you know, till the end and see when is the best probably the a better time to move. So that would be something that I would I would mind discussing with someone. Yep.","start_word":3664,"end_word":3706,"intents":[{"intent":"Discuss investment options","confidence_score":0.35064402}]},{"text":"Now what you got out of those annual reviews previously, I can't sort of say because I didn't complete them. But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur.","start_word":4052,"end_word":4102,"intents":[{"intent":"Plan annual review","confidence_score":0.031971965}]},{"text":"So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment Okay.","start_word":4264,"end_word":4296,"intents":[{"intent":"Discuss market timing","confidence_score":0.11342815}]},{"text":"I wouldn't mind, yeah, doing an annual review as soon as possible. And then I think you in that one, yeah, kinda just go over kinda what you told me today. But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as well. Yep.","start_word":4377,"end_word":4441,"intents":[{"intent":"Analyze future moves","confidence_score":0.0000043780674}]},{"text":"And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have.","start_word":4501,"end_word":4524,"intents":[{"intent":"Update portfolio details","confidence_score":0.030458642},{"intent":"Update portfolio details","confidence_score":0.013680959},{"intent":"Resolve issues","confidence_score":0.00005537638}]},{"text":"of the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright. The performance is alright this year and then moving on. Yeah.","start_word":4594,"end_word":4661,"intents":[{"intent":"Schedule conversation","confidence_score":0.052905925}]},{"text":"And then as far as, like, any other contributions you plan on making, you're happy just doing the amount you're doing and don't plan on making anymore? Oh, sorry.","start_word":5223,"end_word":5251,"intents":[{"intent":"Confirm amount of contributions","confidence_score":0.00021040597},{"intent":"Confirm number of contributions","confidence_score":0.008952848}]},{"text":"And then with your contributions, are you still just doing the non concessional and then claiming the no spend 10 at the end of the year? Do Yes.","start_word":5278,"end_word":5305,"intents":[{"intent":"Clarify account status","confidence_score":0.0036731064}]},{"text":"And then as far as your car, do you still have the the Volkswagen? Yep.","start_word":5377,"end_word":5391,"intents":[{"intent":"Inquire about car value","confidence_score":0.26863307},{"intent":"Confirm car's value","confidence_score":0.00043785962},{"intent":"Ask about ownership of car","confidence_score":0.000044516837}]},{"text":"Not a problem. And then as far as health concern, and I hear that you're a nonsmoker. Is that still the case?","start_word":5473,"end_word":5494,"intents":[{"intent":"Confirm health concerns","confidence_score":0.0029523675}]},{"text":"And as far as the goals that you are working towards there, Hina, is there anything that you're sort of trying to do at the moment apart from, like, your savings goals that you're sort of looking to achieve? Not not really.","start_word":5561,"end_word":5602,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.013519515}]},{"text":"And then if your portfolio was to decrease by 20% just due to general market trends or if the water sort of was to increase, would you still, like, hold and wait, or would you wanna sell the cash and minimize some sort of losses, or would you maybe invest modestly for for growth still? I guess, modestly.","start_word":5925,"end_word":5982,"intents":[{"intent":"Evaluate portfolio decision","confidence_score":0.007180928}]},{"text":"Now we can still look to have an active portion to try and, you know, actively try and outperform the market, or we can even look at a lower cost option that is more passive indexed approach that if the markets are doing well, it's, like, cheaper and then it tracks quite well Mhmm.","start_word":6320,"end_word":6373,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.109673254}]},{"text":"So we'll probably look to have, like, the active portion still in there, but just not to the degree that you have currently that it is negatively affecting your portfolio when they do have those bad years, Yep.","start_word":6722,"end_word":6759,"intents":[{"intent":"Evaluate portfolio strategies","confidence_score":0.002406943}]},{"text":"what did occur with that along that you didn't feel like you were sort of properly informed with it. Yeah.","start_word":6930,"end_word":6949,"intents":[{"intent":"Express concern about lack of information","confidence_score":0.00078926614}]},{"text":"And I think yeah. Like, I I really do just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not. That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person. Yeah.","start_word":6949,"end_word":7022,"intents":[{"intent":"Express agreement","confidence_score":0.000009370293}]},{"text":"I think, yeah, I just felt like I left it, and then now it's this is where we are and I think that's why I feel a little bit, yeah, I I guess disappointed.","start_word":7025,"end_word":7058,"intents":[{"intent":"Express dissatisfaction with company","confidence_score":0.032229953}]},{"text":"So usually, yeah, as I said, I'm not even if it did, like, it it's fine, but it's been going on for a bit too long and I just kinda thought you guys just left it because you guys think it would bounce back up or what for whatever reason, I just kinda trusted the, I guess, the professionals. So yeah.","start_word":7059,"end_word":7119,"intents":[{"intent":"Express concern about company's trust in professionals","confidence_score":0.00032491892}]},{"text":"It has grown quite a bit, and a lot of the people that sort of, you know, were responsible for the interviews that you did receive and sort of the service that you sort of were getting for those, you know, first few years where you were sort of just it's sort of blindly trusting.","start_word":7141,"end_word":7195,"intents":[{"intent":"Explain company's growth and trust and management","confidence_score":0.000014007535}]},{"text":"Obviously, with the Benelon that did occur with the corporate traveler, that's sort of something that was out of anyone's control.","start_word":7232,"end_word":7252,"intents":[{"intent":"Share experiences with benelon","confidence_score":0.000013580029}]},{"text":"So I do apologize for that. We can only sort of try and change that moving forward if you did wanna stay with us. Yeah.","start_word":7285,"end_word":7309,"intents":[{"intent":"Apologize for miscommunication","confidence_score":0.04300821}]},{"text":"We can only sort of try and change that moving forward if you did wanna stay with us. Yeah.","start_word":7291,"end_word":7309,"intents":[{"intent":"Inquire about company's change in services","confidence_score":0.0000044300864}]},{"text":"I am still leaning towards just scrolling over to AustralianSuper, but, again, Yep. like, I wouldn't mind just kind of, yeah, discussing if that was to happen, when would be, you know, a better time than, you know, worse? Just timing it in a way that I'm not leaving, I I I guess, in the worst time possible.","start_word":7326,"end_word":7383,"intents":[{"intent":"Discuss market timing","confidence_score":0.010358934}]},{"text":"So it'd be nice to get, like, a professional's advice on it. Yeah.","start_word":7393,"end_word":7405,"intents":[{"intent":"Get advice on trading strategy","confidence_score":0.0030835855}]},{"text":"As far as, like, Yep. the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing.","start_word":7453,"end_word":7505,"intents":[{"intent":"Discuss cdt's impact on market","confidence_score":0.0006553208}]},{"text":"the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing.","start_word":7458,"end_word":7505,"intents":[{"intent":"Discuss cgt's performance","confidence_score":0.0069842464}]},{"text":"They haven't really sort of seen much sort of recovery in terms of, like, the dip that did occur, like, sort of hovering at the same amount. So in terms of, like, the CGT amount, it would just offset the the sale of the other assets selling down to cash and moving across Australian super.","start_word":7506,"end_word":7560,"intents":[{"intent":"Discuss and plan for recovery","confidence_score":0.000054884455}]},{"text":"So that's, like, the just the level of risk you'd be taking if you were to sort of roll out, now given that the time frames are selling down to cash and things like that as well. Yeah.","start_word":7611,"end_word":7648,"intents":[{"intent":"Discuss cdt's level of risk","confidence_score":0.00004781451}]},{"text":"So, yeah, I was I was thinking, like, if if I was to roll over then, it probably now probably would be not ideal just as you said of the volatility. So, yeah, I wouldn't just mind waiting out a little bit because I don't know if Bennelong's gonna actually perform worse than they are. Yeah.","start_word":7651,"end_word":7706,"intents":[{"intent":"Identify investment requirements","confidence_score":0.0000013542262}]},{"text":"Because as you said, you still got plenty of time on your side in terms Yep. of, like, Mhmm. your superannuation and, like, you know, recovering from, like, what has occurred in Yep. the the last sort of four months there with the.","start_word":8016,"end_word":8058,"intents":[{"intent":"Explain situation in yep","confidence_score":0.00051347254}]},{"text":"But, yeah, there is a high amount of volatility in the market at the moment, which could it could mean that you could sort of make money in the sense that if you sold the cash and then the markets took a dip and you're buying into Australian Super at the dip, it would benefit you.","start_word":8152,"end_word":8207,"intents":[{"intent":"Discuss market volatility and potential gains","confidence_score":0.0053238776}]},{"text":"was to sort of go up in that that time frame versus, like, the the the CGT cost that you would be paying is sort of gonna be roughly the same depending on how your portfolio does perform.","start_word":8283,"end_word":8320,"intents":[{"intent":"Discuss cgt cost","confidence_score":0.17001729}]},{"text":"I can just refer you on to the the case management department. They can sort of answer any other questions you have and the the process and assist you if you'd Okay.","start_word":8361,"end_word":8392,"intents":[{"intent":"Provide assistance with case management","confidence_score":0.0009839649}]},{"text":"like, you know, like, I just kind of if there was gonna be less service that we'll be receiving or whatever, like, I would kind of prefer to have known that because change of personnel and stuff that's, you know, that's not really our consent or, you know, it's not really a problem. So, yeah, I think yeah.","start_word":8729,"end_word":8786,"intents":[{"intent":"Inquire about status of service","confidence_score":0.00015014759}]},{"text":"Just generally, I just feel quite disappointed considering the fees that we pay and just to trust that I'm getting, like, professionals to kind of, you know, assault my super app and just knowing that it's in safe hands. But then I just yeah.","start_word":8787,"end_word":8830,"intents":[{"intent":"Express dissatisfaction with fees","confidence_score":0.031115806}]},{"text":"And if you'd still like to to raise that as a complaint to like, obviously, I am just one of the newer financial advisers that so within regards that, if you feel like you haven't been, like, receiving the service and would like to escalate that, I can pass it on to, like, our complaints department in terms of, like, what has occurred, and they can just Thank sort you.","start_word":8839,"end_word":8908,"intents":[{"intent":"Discuss escalation of service","confidence_score":0.00037884974}]},{"text":"Well, all I can do is apologize for, you know, what what did occur there. I'll get you all those reports.","start_word":8942,"end_word":8962,"intents":[{"intent":"Apologize for past actions","confidence_score":0.000491467}]},{"text":"I'll just Yep. refer you on to that that case Right.","start_word":8983,"end_word":8993,"intents":[{"intent":"Explain plans to refer","confidence_score":0.000010777083}]},{"text":"management department that can assist you in that. Mhmm. Yep. Otherwise, if you do wanna look at what the update might look like, I'll hold on for now just until you sort of make a decision, but then I can just make a a note and get that started, that process if you do wanna look like what a a portfolio update might look like.","start_word":8994,"end_word":9058,"intents":[{"intent":"Offer assistance with portfolio update","confidence_score":0.038655087}]}]},"sentiments":{"segments":[{"text":"Hello. Christina speaking. Hi, Hannah. It's Carl calling from Ophi Financial. How are you today? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.17247730493545532},{"text":"Good. Thanks, pal. How are you?","start_word":16,"end_word":21,"sentiment":"positive","sentiment_score":0.5320659875869751},{"text":"Yeah.","start_word":22,"end_word":22,"sentiment":"neutral","sentiment_score":0.24576672911643985},{"text":"Not too bad at all. Thank you That's for asking. good. All good.","start_word":23,"end_word":35,"sentiment":"positive","sentiment_score":0.5078553557395935},{"text":"Now I had you scheduled in just following a conversation with one of my colleagues regarding your performance. Just having a conversation around that this morning. Yes.","start_word":36,"end_word":62,"sentiment":"neutral","sentiment_score":0.22510787844657895},{"text":"Yep. Perfect. Just to get started on that one here, if I could just pass you through security with that name, date of birth, and card notice, we can get started on that today.","start_word":63,"end_word":96,"sentiment":"positive","sentiment_score":0.4135100245475769},{"text":"Yes. My name is Calcutta. Date of birth, 03/28/1993. And was it sorry. Address? Yeah. Address. Yep. Thanks. Sorry. 4 Uxbridge Avenue, Doncaster 310 Perfect.","start_word":97,"end_word":121,"sentiment":"neutral","sentiment_score":0.06041214242577553},{"text":"Thank you for that one.","start_word":122,"end_word":126,"sentiment":"positive","sentiment_score":0.5278694033622742},{"text":"Definitely. No. These calls are recorded for quality and training purposes there now as well, eight. Mhmm. Mhmm. if you're okay with that one. Yep. That's really Now fine. I know you didn't do your annual review with me. I think believe it was my colleague, Dana, the end of last year. You originally had your annual review regarding that one That and the one original in there. performance of that. Now I don't have the performances she sent through to that, but I did draw up just some projections Protection. based on what my colleague said the other day when you're booking in just regarding how everything went and sort of just being in an industry fund there as well. Yeah. I'm not sure if I actually received the the the quarter end of year. I maybe maybe I just lost it, but was it sent through? Let me just double check your account. So I believe it was twenty ninth to seventh with an annual review is conducted. So I believe it was probably sent via DocuSign when you did your initial. Right. It should It have should have the twelve month performance at that point. Obviously, Probably I can let you know the performance sort of based on the twelve months from as at Mhmm. today's date and Mhmm. how that sort of looks and what has occurred. Now I'm not too sure how it's explained to you regarding what happened at the end of last year. So when you originally came on board, I'm not too sure who you sort of spoke to or when they originally sort of made the portfolio for you, but you do have quite an allocation, like a high allocation to Benelon, an actively Yes. managed fund. Yeah. Now Well yeah. I think she told me over the phone that I'm in a old portfolio and I wasn't yeah. So that should be changed during this meetup. And I think one of the, I guess, concern was yeah.","start_word":127,"end_word":463,"sentiment":"neutral","sentiment_score":-0.05861232701677951},{"text":"So, obviously, it's not performing well.","start_word":464,"end_word":469,"sentiment":"negative","sentiment_score":-0.5918951034545898},{"text":"And, yeah, I thought from how, you know, I feel how you guys are going out, I just wanted to get, I guess, numbers and I wanted to compare.","start_word":470,"end_word":498,"sentiment":"neutral","sentiment_score":0.04770422354340553},{"text":"I have some numbers here for, you know, just the, you know, relatively well performing super fun like Australian super fun. I've got the and I'm, like, both the fees and the performance.","start_word":499,"end_word":531,"sentiment":"positive","sentiment_score":0.433079332113266},{"text":"And so, yeah, I think in this phone call, I just wanted to compare and whether, you know, it's still good for me to continue with you guys or whether, you know, I should Yep. And we sort of hold no. It will. Obviously, you haven't spoken to me before, so I have no issues whether if you chose industry fund over us or our service. As I said, like, I'm can't pertain to what service you have received since being on board. Obviously, if you were to, you know, say, we would, as you said, look to update the portfolio. I myself wouldn't put such a high allocation to one managed fund with that because you do have 30% of your current portfolio in Ben Long. And as a result of that, I'm not too sure if they explained to you that they have They an have underlying an unknown investment called corporate traveler.","start_word":532,"end_word":686,"sentiment":"neutral","sentiment_score":-0.048675838857889175},{"text":"Now that investment was done for not reporting correctly. Their accounting was not sorta up to scratch.","start_word":687,"end_word":703,"sentiment":"negative","sentiment_score":-0.42687273025512695},{"text":"And And as as a result a of that, they'll put a a trading hold. And then Benelongs had to reevaluate that stock.","start_word":704,"end_word":726,"sentiment":"neutral","sentiment_score":-0.28803524374961853},{"text":"As a result of that as well, people have sort of lost consumer confidence in the the Benelong been fund long.","start_word":727,"end_word":747,"sentiment":"negative","sentiment_score":-0.4396161437034607},{"text":"itself, you know, not monitoring their investments or seeing any sort Yep. of signs that that may be the case with that.","start_word":748,"end_word":769,"sentiment":"neutral","sentiment_score":-0.22588951885700223},{"text":"I mean, because it's such a high allocation to your fund, when that went back by 20% there, it did cause a significant dip in your value, which is the result of why it's sort of gone backwards so much in the past three months there in conjunction with, obviously, the wars going on in Iran and everything as well that has sort of had a bit of a negative impact on superannuation, if that makes sense.","start_word":770,"end_word":846,"sentiment":"negative","sentiment_score":-0.4782559871673584},{"text":"But, yeah, from your your phone call, obviously, since being on board, you know, coming on sort of the back end of COVID, the markets are a little bit rough there as well, and then the recovery from that. And then with that and then the last dip, yeah, it was sitting around, like, a 4% return year on year as, like, a rolling average as, like, a percentage return to the five year rolling averages compared to, like, Australian super. So five year rolling average for the fund that you're currently in is about 8.58%. And then the five rolling average for an Australian super with a similar sort of allocation to It's around 9.1, I think. pardon? I think they're on 9.1. Yeah. In in terms of that and what sort of do and then you obviously do have in regards to that the the adviser fee for the service you do pay and the other services you do have access to in regards to that. Now with that as well, with the Australian Super, when it does say the high growth there as well, generally, the allocations to growth assets are quite a bit higher. So in saying that if you match up what sort of we've got invested in a high growth in line with Oakview's philosophy compared to, like, the Australian super equivalent, I think the returns are sitting closer to sort of, like, a 7.62 with the growth of defensive asset allocations.","start_word":847,"end_word":1094,"sentiment":"neutral","sentiment_score":0.013279236853122711},{"text":"Obviously, they're both named high growth, so it would be closer to what you you said, but in saying that they do have a higher allocation in those funds to what, like, OQ compares to be a high growth portfolio, which is that ninety ten sort of split, if that makes sense.","start_word":1095,"end_word":1146,"sentiment":"positive","sentiment_score":0.33407148718833923},{"text":"Yeah. Yes. No. I do. I think, yeah, because I'm just not that, I guess, versed in this kind of area or, like, finance and super, like Yep. yeah. I think I I kinda wish that, yeah, when things were kind of starting to go south a little bit, like like, I wish I I didn't really hear anything about this festival in December, was it, that you said we had like, I had Yeah. a last November, call? December is when the the been long sort of occurred. They have, like, in the newsletters, addressed it in terms of, like, the what has been occurring and the call if you had any concerns regarding. I'm not too sure if you're receiving the Yeah. monthly I did. newsletter. And I and I just thought, like, if it was a concern, like, you know, I thought you guys would take action because, like, I just kind of left it so that, you know, I'd leave it to the professionals to kind of yeah. To, you know, to better deal with these things. So I kind of I think I kinda just feel like yeah. You're Like, not I haven't receiving as much out of it as you feel like you you maybe should given the circumstances? yeah. I guess so. Because I think with, like yeah. People like GrowView and stuff, you know, there was a startup fee and, obviously, you know, other super funds, like, you know, these general super funds don't really charge for those kind of stuff. So I was kind of expecting that, you know, you guys would be kind of being proactive to, you know, either call me to change or you know? So, yeah, I think that was partly my fault for not really, I don't know, just taking action. But I think yeah. Yeah. And But so sorry if it wasn't sort of explained when you first came on, like, how it sort of generally so when you first come on board, they generally ask, like, if you want sort of yearly reviews quarterly, those sort of things, because super is a long term game. Like, if you were chopping and changing quite regularly, you'd be day trading, which isn't something you really wanna do with super. Now, obviously, in regards to something so significant in a portion being in your portfolio, it probably should have been, like, reviewed given your time on board maybe a little bit earlier Absolutely.","start_word":1147,"end_word":1562,"sentiment":"neutral","sentiment_score":-0.05473489058203995},{"text":"in saying that once this sort of dip does occur, you've already already made the loss in, like, the selling low, buying high is never sort of ideal unless it's sort of extenuating circumstances.","start_word":1563,"end_word":1596,"sentiment":"negative","sentiment_score":-0.5117570161819458},{"text":"Now as a review of the Bennelong and what did occur, they are moving away from Bennelong in terms of, like, future investments, updates, and things like that as well. Now within regards to your portfolio, it could have potentially been reviewed and updated earlier, and it may have sort of whether that a little bit better, not to say that it would have been sold out of Ben Long entirely, but given your allocation to that active management, as I'm saying previously, when you first came on board, it does carry a higher amount of risk having active versus, like, a passive management. Even within the high growth, you can be completely Mhmm. passive or Yep. active. And then with the passive, obviously, you're tracking the market. You still have the same allocation of those growth assets, so a similar potential for growth. But, obviously, fund managers jobs are to find the gaps in the market, whether that be through, like, valued companies, market share, things like that to pick some winners. And, obviously, Yes. Benelon hasn't done that, and you do have quite an allocation to that. So if you were to stay on board, we would obviously well, I myself would be looking to update it to whether even if you still want or you to have an active portion be a lot less to be more of a satellite around that sort of 10 to 15 sort of percent that if it's something like this did occur, it doesn't impact your superannuation as much Right. Yeah. versus, like oh, yeah. Sorry. Yeah. So I think, yeah, that's another thing. Like, because it has dipped so much whether yeah. Like yeah. No. I think yeah. No. I kinda wish that, yeah, we had this one got a little bit earlier just because of the high percentage of been along in my account. Yeah.","start_word":1597,"end_word":1912,"sentiment":"neutral","sentiment_score":-0.04724661623057025},{"text":"And So I think there's a bit of quite a, you know, sense of disappointment there that, you know, I wish there was a bit of action taken And with that, though, with what did occur with the Ben Long Fund, it was like sort of once the announcement was waived, it lost that quite quickly in a sense that beforehand. it only took a few days for them to take that significant hit, and it's just been sort of hovering around where it has been.","start_word":1913,"end_word":1998,"sentiment":"negative","sentiment_score":-0.36714157462120056},{"text":"So even if we called you the day after, sort of like it did happen all the week after, it would be a similar sort of position whether we look to update it or hold for a little bit longer to see if it recoups some of those tips in the market. And then, obviously, the war in Iran has sort of been, you know, playing a little bit of role with volatilities in the market as well. If it was sort of in regards to the fund wasn't performing or negatively performing just based on, like, market metrics, it would have been likely picked up sooner and just sort of removed entirely.","start_word":1999,"end_word":2111,"sentiment":"neutral","sentiment_score":-0.23228225111961365},{"text":"Benelon itself wasn't sort of performing horrendously, like, leading up to that point.","start_word":2112,"end_word":2124,"sentiment":"negative","sentiment_score":-0.33817458152770996},{"text":"It was just sort of that was a catalyst where there were funds that sort of potentially may have been performing better. It maybe should have been, like, reviewed just to see if it was up to date. And then if there were sort of any changes that need to be Yes. made and maybe having a discussion with you around the allocations and the weightings to that active fund. And I'm sorry if that wasn't sort of explained to you, like, clearly sort of previously. No. I don't think it was. Yeah. So I guess sorry. Could I just have a bit of a, I guess, rundown of my current account? The I guess, like, a one year, five year, and maybe a ten year performance just so that I can have a bit of a compare right Yep. So I can send you even just, like, an account snapshot of since inception that can show you just, like, where it sort of falls. Because, obviously, when you came now.","start_word":2125,"end_word":2295,"sentiment":"neutral","sentiment_score":-0.0432599843942631},{"text":"on board sort of around that COVID period, there was sort of still a bit of a downturn period and, obviously, started to recover. The war and tariff talk at the start of last year caused a significant stop like, dropping your superannuation, much like everyone else, which was sort of occurring, with the market volatility.","start_word":2296,"end_word":2351,"sentiment":"negative","sentiment_score":-0.4024040699005127},{"text":"It did recover sort of nicely from that. And then following that, that Benelon announcement and the wars in Iran there as well, it has not only from the Benelon, but then that taken a bit of a dive there as well. So I can email you a copy of the account snapshot and then Yep. also in regards to the the asset performance over the last twelve months there as well. Yep. And I can sort of highlight sort of where things have been and where things have gone over that time you've since been on board. I can let you know from that, like, projections table. Then with that, you sort of with what did occur with the projections for the an average with Australian Super versus, like, the the fund that you are in, it's sort of sitting similar with the allocations. Obviously, if you were just in a high growth option Mhmm. within Australian super, the likelihood was you'd be slightly more exposed and have a little bit more risky exposure, but you probably would have Yep. had slightly more returns given the fact that you weren't paying the adviser fee as well or additional cost for the retail platform to be able to track your super a little bit more with the the reporting and doing through the platform. Not too sure how much you utilize it to have a look at that. Yeah. Yes. Yeah. So yeah. I guess, like, yeah, it would be great to, yeah, get that report, and I'm not sure if I wouldn't mind again. Sorry. I I could find it, but just like a breakdown of your as well, both, you know, just the annual and the percentage of account balance plus investment fee and the transaction cost. Yeah. I think So yep. in regards to the investment fee that comes down to the investments you hold, I can Yep. do it, email you the little projections table that Yep. shows you. So the Australian super option that it's based off, pardon me, is based off, like, a balanced growth option with the allocation that's more to sort of, what matches up with what your current portfolio Yep. was, over that that period. So I can show you what that looks like Yep. in That would terms be of great. the the the returns and what that sort of may have looked like, but in saying that you may have been or chosen a high growth option just with an Australian super, Mhmm. which may, Yep. as I said, had a higher allocation. You might have got some high returns. The adviser fee itself is 1.65%. So that's based on balance. There's a monthly charge fee in terms Yes. of, like, it comes out monthly. It's based on percentage balance at that time. So as the markets do fluctuate, obviously, the fee does fluctuate a little bit there as well Yeah. in terms of, like, what is going on with your balance. Would you be able to give, like, a, like, approximately how much the total fee was for even the last year. Yep. I'll pull that up in regards to that one. Bear with me. Yep. And do you want just the twelve month period, or do you want, like, the last financial year? Last financial year is fine. Bear with me. Sorry. It's just loading Yes. up. So from the 2024 to the 2025, it works out to be around the 1,700 in terms of, like, what it worked out to be, the 1.65 of that period, which works out to be around the $1.50 ish sort of a month depending on what the balance sort of rough over that that period of time. Okay. So so did you save around 1.7? Yeah. For the for Okay. a twelve month period for last Twelve financial months. Okay. year. I think just from kinda reviewing yeah. I guess doing my own research and just comparing with my partners, etcetera. I think it may be best for me to move Superfund. Yep. As as I said, Hina, I take no offense. I haven't obviously spoken to you previously. I dealt with your your account.","start_word":2352,"end_word":3056,"sentiment":"neutral","sentiment_score":0.06507937418336564},{"text":"So I understand if you haven't felt like you got the the most out of the service and feel a little bit disappointed.","start_word":3057,"end_word":3079,"sentiment":"negative","sentiment_score":-0.390015572309494},{"text":"Obviously, I can pass you on to the case management team, and they can assist you in sort of the changes, the rollover sort of what that looks like, the time frames as well. That would If be you did, great. yeah, if you did wanna have, like, a discussion around sort of the investments and what they're sort of sitting at, obviously, in regards to that as well, you will crystallize those losses when when moving funds. Obviously, if you're happy to sort of accept those losses and just move on there as well, it's just something to be aware of with that loss that did occur in Ben Long. It could be carried forward or you could sort of, you know, recoup some of those losses. So waiting for that investment, but, obviously, waste as in a company, we're moving away from Bennelong itself anyway. We're just utilizing those carry forward losses, which Yep. is something to be mindful of. Mhmm. Yes. So yeah. Yeah. I wouldn't mind talking to the, yeah, the team to just kinda see how that works and yeah. Yep. Just So, yeah.","start_word":3080,"end_word":3268,"sentiment":"neutral","sentiment_score":-0.018467765301465988},{"text":"That would realistically, be great.","start_word":3269,"end_word":3273,"sentiment":"positive","sentiment_score":0.4034713506698608},{"text":"once you like, just as a brief rundown, if you were to sort of find, you know, the fund you were happy with, open up an account with them, you can just request the rollover through that. We can liaise with you within regards to how long that would sort of take. It will take a little bit given that been a long do have to deal with the underlying investment and selling of that down and sort of giving you a fair market value for that at the time given that they'll put on that trading halt, which Yep. may sort of take two to three weeks to sell down to that cash portion. Following that, you don't have any current insurances, so that's fine in sense that you don't have to change any payment options for that. Whether or not you look to get some sort of group or re retail cover in the future, The group cover might be available in a default option for opening up the superannuation fund, which is sort of things you can have a think about. And then Yes. if you were to get retail cover in the future, it would just be based on your your new account there as well. But do you have any questions that I haven't answered today there, Hina, that you sort of wanna have a discussion around? Or Yeah. I guess, like, if I was to move the funds, I guess, because there's been quite a lot of, yeah, loss that has happened. Like, I just want to move at the best time possible, you know, not at the worst time to move. So I guess something that's something that I wouldn't mind discussing with with someone at Oakview just to get their view on that. Just to, yeah, kinda minimize the loss. Because I'm not in a rush to move, but it's I think ideally with the with the fees involved and the kind of yeah.","start_word":3274,"end_word":3605,"sentiment":"neutral","sentiment_score":0.09335732460021973},{"text":"I guess, like, the not, like, not lack of information, but the disappointment that I feel from the service.","start_word":3606,"end_word":3624,"sentiment":"negative","sentiment_score":-0.40218809247016907},{"text":"Like, I really would have preferred to just stay because it makes everything easier for me.","start_word":3625,"end_word":3640,"sentiment":"neutral","sentiment_score":-0.13081349432468414},{"text":"But just from looking comparing everything from performance and the fees, I think, yeah, it does make sense for me to move. But I do want to, yeah, get the best advice, you know, till the end and see when is the best probably the a better time to move. So that would be something that I would I would mind discussing with someone.","start_word":3641,"end_word":3704,"sentiment":"positive","sentiment_score":0.39006311260163784},{"text":"Yep. And then with that one, so given your actual, like, performance over time, you're still up from, like, when you originally started. So the way retail funds work Mhmm. versus, like, industry, it's not unitized. So you still have to pay, like, CGT costs and things like that, which is why I mentioned that it's a bit different in regards to industry funds Mhmm. because they're unitized and it's sort of built into those prices there Yes. as well. So you will probably still likely have a CGT in terms of the cost, but then, obviously, given that Benelon went backwards so heavily that there would be, you know, funds there that, you know, a potential, you know, on the table still in terms of, like, if it was to to come back, it would offset the capital gains on the other investments that have performed over that period of time quite well. So you might still likely end up paying some money. So whether or not sort of if you were to move now, you'd pay, like, a smaller amount of CGT if anyone was to improve in the the future or you were to sort of stay, utilize those to change up investments to carry forward and change the the capital gains around the a portfolio update moving forward, which is something we can do for you, Hina.","start_word":3705,"end_word":3935,"sentiment":"neutral","sentiment_score":0.11855172365903854},{"text":"Like, obviously, you feel like you haven't got the the best out of the service so far, but we can sort of do and show you what an investment update might look like. It can even be sort of more passive approach for you.","start_word":3936,"end_word":3979,"sentiment":"positive","sentiment_score":0.41035929322242737},{"text":"They also did bring out a separately managed account, which is like an SMA that they sort of do updates regularly and more sort of in line with they're able to make changes because currently, we can't make a change to your portfolio until you have the discussion, do an update, things like that, which falls, like, every 12 months on your annual review the way it was set up previously. Now what you got out of those annual reviews previously, I can't sort of say because I didn't complete them. But that is where you sort of meant to have a discussion around your, you know, report and what is going on and sort of changes that may sort of occur. With moving funds and selling down to cash, you are selling out of the market as well, and there's sort of never a right or wrong time unless you're trying to time the market.","start_word":3980,"end_word":4135,"sentiment":"neutral","sentiment_score":0.056705921028669067},{"text":"Now the risk is is that if you were to sell down to cash and the markets were to sort of jump back up, given what is happening in the markets at the moment with the the war in Iran, those are potential losses you'd be leaving on the table versus if it was to go down, you'd sort of get the benefit of buying in lower with your money because it's sold down to cash prior to the price dropping with investments.","start_word":4136,"end_word":4218,"sentiment":"negative","sentiment_score":-0.3556003272533417},{"text":"Mhmm. Mhmm. But there's no sort of way to time that with what's going on just given the fact that I can't tell what Donald Trump's gonna do tomorrow, let alone what he's done previously. It's hard to wrap your head around sort of thing. So with that, you kind of just rolling the dice in terms of the the market timing of, like, selling the cash and moving with what is going on at the moment Okay. versus, like, the capital gains is something you can calculate and what the liability would be and what you'd be sort of paying to move your funds out, if that makes sense. Okay. Alright. Well, I'm happy to organize a annual review because a lot has happened since then, and I just kinda feel like whatever stuff that I had with, you know, somewhat the end of last year wasn't I I guess it wasn't very helpful. So, like, Yep. I wouldn't mind, yeah, doing an annual review as soon as possible. And then I think you in that one, yeah, kinda just go over kinda what you told me today. But, yeah, also consider what the role of might might look like or whether if I do end up staying for whatever reason, you know, what the portfolio might look like as well. Yep. Because depending on your time today, I can run through, like, a bit of your your goals, what you're trying to achieve and sort of, you know, start afresh, like, as a blank slate sort of thing and just do the interview now, let you know where things are at, update your details, do a risk profile with you. And then from there, we can show you what an updated portfolio might look like and address any other advice concerns you may have. Evan. And then also with that, we can sort of let you know what the current CGT is and what that looks like. Okay. And then whether or not you utilize that to just, you know, see what you'd be paying to move your funds out or whether or not you wanna do stay on and look at updating your portfolio and And maybe maybe taking take advantage it. of the the service a little bit more moving to, like, quarterly updates as well just so you can get have, like, a a scheduled conversation and ask some some questions more so how things are going and where things are at as opposed to waiting every twelve months, then maybe just going, oh, that sounds alright.","start_word":4219,"end_word":4650,"sentiment":"neutral","sentiment_score":0.044790979742107016},{"text":"The performance is alright this year and then moving on.","start_word":4651,"end_word":4660,"sentiment":"positive","sentiment_score":0.44874805212020874},{"text":"Yeah. Sure. If if it doesn't take, I don't know how long this that this chat's gonna take. If you can give me, like, an estimated, like, duration, I might Okay. be able Through to. Yeah. really quickly. I'll just confirm details, do some goals to risk profile. It might take an extra sort of fifteen minutes if we go quickly. Yep. That's Okay. Not a problem at all. So I'll just go through and fine. confirm all your details there, Hina. In regards to your address, that's all the same. Email's still hikar oh,ininako.f@iCloud.com? Finago.s@icloud.com. Yep.","start_word":4661,"end_word":4757,"sentiment":"neutral","sentiment_score":0.05361447110772133},{"text":"Perfect.","start_word":4758,"end_word":4758,"sentiment":"positive","sentiment_score":0.5796237587928772},{"text":"And I've got your defacto partner here as an extra kin, but no details or anything. Did you wanna put down an extra kin, or are you happy just to leave that blank I'll for now? leave that for now. Yep. Not a problem. And then in regards to your current work, are you still working for NDIS? Yes. I am. Yep. And then are you still majority seeing clients? Do you do, like, sort of office based work at all? No. Yep. And I know that's considered self employed. Are you, like, considered a sole trader? Yes. Yep.","start_word":4759,"end_word":4857,"sentiment":"neutral","sentiment_score":0.08219135793471577},{"text":"Perfect.","start_word":4858,"end_word":4858,"sentiment":"positive","sentiment_score":0.4520472288131714},{"text":"And at the moment, how many hours per week are you doing? Dramatically reduced in the last couple of years. So, like, probably fifteen. Anything else? And is that, like, permanent part time or just, like, casual work or, like It kind of self or in yeah. In health and self employed kind of system. like, Like, you don't have any set contracts you do with them per hours it's per week? You just sort of manage it yourself yeah. totally? We have a rough kind of contrast, but but it's because it's health. Like, you know, we can you know, it just it just changes according to, you know, what they're going through. So it's Yep. not really part time. It's yeah. So it's money for the set hours. You sort of still manage it yourself. And as far as your income per annum, do you know based on the hours you're doing per week what that sort of looks like? Yeah. So that has also decreased, I said, in the last two years. I've just cut down. So at the moment, we're looking at, like, only 90. So there's been a bit of a, yeah, change. Yep. And then with in regards to that one, are you still planning on making your super contributions that you were previously? Yes. I think it has decreased a little bit to around, like, $1.70 a week in terms of, yeah, a contribution. But I think it's a bit less than what it used to be. Yep. Not a problem. And then based on your income at the moment, has your sort of savings goals per week or your expenditure changed at all per week that you know? Savings hasn't changed that much. The expenses have gone up. Yep. And then roughly sort of weekly, how much do you reckon you sort of, like, using per week in regards to expenditure as a household of individually? It would be sorry. Give me one second. Maybe one one one point one k Yep. And roughly sort of how much you're putting away towards, like, your your savings each week as a goal? each each week, $1.50.","start_word":4859,"end_word":5221,"sentiment":"neutral","sentiment_score":-0.03270035982131958},{"text":"Perfect.","start_word":5222,"end_word":5222,"sentiment":"positive","sentiment_score":0.7490574717521667},{"text":"And then as far as, like, any other contributions you plan on making, you're happy just doing the amount you're doing and don't plan on making anymore? Oh, sorry. For income? Towards, like, superannuation, any other Oh, superannuation. contributions, things? Yeah. Right. Sorry. Right. No. Not at this stage. No. Yeah. No problem at all. And then with your contributions, are you still just doing the non concessional and then claiming the no spend 10 at the end of the year? Do Yes. I yes. I I you think just so. do that with your account and then he just settles it all for you? Yeah. You yes. Yep. Not a problem. And then as far as your primary mortgage there with your parents living there, I believe, Mhmm. do you know roughly what that's sitting at at the moment? Mhmm. 680. $6.80. And is that earned $50.50 with your sister? That's right. Yep. And then as far as your car, do you still have the the Volkswagen? Yep. Do you know is it there's nothing on that. Do you know roughly what the value of that would be at the moment? Mhmm. No idea. I'm assuming it'd be around 15. Yep. And then I've got some music equipment and contents, like, totaling around 60,000. Does that sort of sound about right, Mhmm. Joel? Yep. Yep. And savings is sitting around 40,000. Is that sort of roughly what you've got in savings at the moment? Savings. Actually, yes. Yep. Yep. Not a problem. And then as far as health concern, and I hear that you're a nonsmoker. Is that still the case? Yes. And as far as any other health conditions, nothing sort of occurred in the last twelve months, No. knock wood? Nothing. Yep. No medications, anything like that? No. Yeah. Not a problem. And I know you don't have a will in place. Have you got around to sort of setting up a will in the last twelve months? No. I haven't. Yeah. No. That's fine. And as far as the goals that you are working towards there, Hina, is there anything that you're sort of trying to do at the moment apart from, like, your savings goals that you're sort of looking to achieve? Not not really. I think yeah. In terms of house yeah. And my partner's on a relatively decent wage, so he's kind of got those things sorted. But for me, personally, I think it's just whatever I can put to pay down the current mortgage. That's kind of probably the the Yep. goal. But, And yeah, do you not plan much on else. purchasing, like, a house with your your partner that you guys will use Oh, for wouldn't be together. No. nothing to go? Yep. No. That's understandable. And then, yes, sort of the longer term goals there in regards to retirement. Has anything that of that sort of nature changed? Still, you know, retired around the age of 67? Yeah. No. I don't think I would prefer to yeah. Retire earlier. Yeah. No. Nothing has changed. Yep. And then in regards to insurances, have you had a think about those in sort of recent years not having insurance cover? Is that something you wanna review in terms of that, like looking at No. some I think I'll just leave it as is. Yep. And you're sort of aware of, like, the risk of not having insurance cover Mhmm. and just bridging the gap and being self insured or relying Yep. on any sort Yep. of Yep. Not a problem. Now we'll just jump in and do a quick risk profile there just to see how your risk tolerance has changed since we last sort of spoke there. Mhmm. Now have you bought any direct shares since we last spoke or spoke to us None. here? Yep. Not a problem. And, obviously, given your age, you're still investing that longer term. But given inflation and the way things are with the cost of living at the moment and things like that, are you still willing to accept a high amount of risk to outpace inflation and aim for higher returns? Yes. Yes. Yes. Yep. And then if your portfolio was to decrease by 20% just due to general market trends or if the water sort of was to increase, would you still, like, hold and wait, or would you wanna sell the cash and minimize some sort of losses, or would you maybe invest modestly for for growth still? I guess, modestly.","start_word":5223,"end_word":5982,"sentiment":"neutral","sentiment_score":0.012461644832633043},{"text":"Again, I don't really have an opinion on this.","start_word":5983,"end_word":5991,"sentiment":"negative","sentiment_score":-0.3682141900062561},{"text":"I would just prefer to leave it to people who know better. Yeah. And during things like the COVID and those sort of events, like, as far as, like, investing in the the time invested, like, super sort of that, you know, ten to twenty year game of, like, investments and how they sort of track over time and having sort of high conviction through, like, downturns as well. And when there are dips in the market, obviously, Ben Long's a bit of a different sort of field there with what did occur with them. But, generally, when markets do take a dive, like things like GFCs, COVID events, and things like that, when the whole market takes a bit of a dip, for the market to never return just sort of illustrates that, you know, you probably wouldn't have to write about money at the end of the day because the world might not be around sort of thing. Like, the markets are always going to tick over. And over a long period of time, it's shown that even with those dips and events, they just end up being sort of blips on the the the scale with those Vanguard charts that over those longer period of times of, like, staying invested and holding investments, it does, Mhmm. like, rise. Obviously, you can sort of pick and choose a little bit and sort of have better results. And with your portfolio, since you you've been on board, you've had a bit of a a rough ride there, so I understand why you're a bit adverse to, you staying on board and having a look at things. We'll show you, obviously, a portfolio update and what that may look like, reducing Mhmm. some of that that risk in regards to active major risk because it is quite a high allocation that if that fund isn't performing well, your portfolio is not performing well, if Mhmm. that makes sense.","start_word":5992,"end_word":6319,"sentiment":"neutral","sentiment_score":-0.0909335321814912},{"text":"Now we can still look to have an active portion to try and, you know, actively try and outperform the market, or we can even look at a lower cost option that is more passive indexed approach that if the markets are doing well, it's, like, cheaper and then it tracks quite well Mhmm.","start_word":6320,"end_word":6373,"sentiment":"positive","sentiment_score":0.34054678678512573},{"text":"versus having an Having. active portion that tries to actively pick winners, if that makes sense. Yep. And would you sort of wanna look at being more passively invested to reduce that level of, like, manager risk, or would you still wanna look to have a little bit of an active portion? I think having a I would prefer a balanced portfolio. So some that are relatively passive, but some I don't mind still being targeted for, I guess, high possibly high growth. Higher returns. Yeah. In saying that even with the the passive, you still have a similar allocation to growth assets. It just it wouldn't Yep. like, picking and choosing the winners, it just goes down to the market indexes with, like, the S and P 500, You've got 500 companies. Now if a company starts performing really well and sort of gets enough market share that ends up in the top 500, you then hold that investment. Same as if a company starts to drop off, they fall out of that 500, you no longer have it. So it's dynamic in the sense that those 500 companies still, like, change quite regularly in terms Yep. of, like, what's happening. But in saying that, they're not sort of picking and choosing winners to try and find, you know, people that have, you know, market share or undervalued, Yep. you know, things like that to where they might see greater returns or be the ones that jump up into those top 500. You may sort of hold those earlier, and those sort of the benefits of having those managed funds if the fund manager is performing quite well. Yep. But, obviously, they're a lot more volatile. They do have a lot of the ups and the downs. Even sort of with that, the passive over, you know, twenty year span versus, like, portfolio managers Mhmm. generally does quite well in comparison as well if you were to sort of just hold those indexes versus, Yep. you know, someone trying to do the picking and the choosing. Yep. So we'll probably look to have, like, the active portion still in there, but just not to the degree that you have currently that it is negatively affecting your portfolio when they do have those bad years, Yep. if that makes sense. Yes. Yep. Yep.","start_word":6374,"end_word":6766,"sentiment":"neutral","sentiment_score":0.025436702082478665},{"text":"Perfect.","start_word":6767,"end_word":6767,"sentiment":"positive","sentiment_score":0.44556376338005066},{"text":"Now when your superannuation has taken a bit of a drop there, does that make you quite concerned or cautious, or is it just that you do wanna ensure that it is growing and still suitable? Oh, in the past, it hasn't because I understand, like, this is for a longer you know, it's a long investment, long term investment. So it doesn't get me, but I think it's been a long end.","start_word":6768,"end_word":6840,"sentiment":"neutral","sentiment_score":-0.15138566493988037},{"text":"I guess, just kind of being left as is, I think, yeah, made me feel a bit, you know, quite anxious about it.","start_word":6841,"end_word":6863,"sentiment":"negative","sentiment_score":-0.3690999150276184},{"text":"So Yes. yeah. So it's only really when things like this happens and, you know, things weren't done to change. Every other time, like, you know, I understand the, you know, the fall and the rise of the stock. So I'm not I'm usually never that, you know, anxious about it at all, to be honest. So it It's was just just that, yeah, mhmm.","start_word":6864,"end_word":6928,"sentiment":"neutral","sentiment_score":-0.1499013900756836},{"text":"what did occur with that along that you didn't feel like you were sort of properly informed with it.","start_word":6929,"end_word":6947,"sentiment":"negative","sentiment_score":-0.40616071224212646},{"text":"Yeah. And I think yeah. Like, I I really do just kinda wish that because not everyone is, I guess, on the same, I guess, knowledgeable terms with these kind of things, and I'm certainly not. That's why I kinda went with you guys where you guys can kind of, in a way, you know, take charge and do it for me because I know I'm not this, you know, that kind of person. Yeah. So No.","start_word":6948,"end_word":7024,"sentiment":"neutral","sentiment_score":-0.03967234119772911},{"text":"I think, yeah, I just felt like I left it, and then now it's this is where we are and I think that's why I feel a little bit, yeah, I I guess disappointed.","start_word":7025,"end_word":7058,"sentiment":"negative","sentiment_score":-0.4113905131816864},{"text":"So usually, yeah, as I said, I'm not even if it did, like, it it's fine, but it's been going on for a bit too long and I just kinda thought you guys just left it because you guys think it would bounce back up or what for whatever reason, I just kinda trusted the, I guess, the professionals. So yeah. Yeah. And I can let you know too that, obviously, it was quite a smaller company when you came on board. It has grown quite a bit, and a lot of the people that sort of, you know, were responsible for the interviews that you did receive and sort of the service that you sort of were getting for those, you know, first few years where you were sort of just it's sort of blindly trusting. You know, a lot of them aren't around anymore, and they have updated the compliance and things like that as well and beefed out the the process to ensure that it doesn't sort of keep happening. Obviously, with the Benelon that did occur with the corporate traveler, that's sort of something that was out of anyone's control. But as far as, like, the service you may not have received since being on board, that comes down to, obviously, you know, how people were handling some of your annual reviews. So I do apologize for that. We can only sort of try and change that moving forward if you did wanna stay with us. Yeah. So, yeah, I wouldn't mind just, yeah, receiving the report after this, and then I'll look. I am still leaning towards just scrolling over to AustralianSuper, but, again, Yep. like, I wouldn't mind just kind of, yeah, discussing if that was to happen, when would be, you know, a better time than, you know, worse?","start_word":7059,"end_word":7364,"sentiment":"neutral","sentiment_score":-0.09508105351595708},{"text":"Just timing it in a way that I'm not leaving, I I I guess, in the worst time possible.","start_word":7365,"end_word":7383,"sentiment":"negative","sentiment_score":-0.3368838131427765},{"text":"So, yeah, that's something that I I wouldn't know. So it'd be nice to get, like, a professional's advice on it. Yeah. In in saying that in terms of, like, finding a right time, obviously, if the markets were a little less volatile, would probably be ideal in the sense that you won't get those, like, spikes or dips Of course.","start_word":7384,"end_word":7444,"sentiment":"neutral","sentiment_score":0.015827031806111336},{"text":"to where you could, like, lose out potentially.","start_word":7445,"end_word":7452,"sentiment":"negative","sentiment_score":-0.43878018856048584},{"text":"As far as, like, Yep. the CDT is concerned, you just sort of would be holding out that Benelong does recoup some of their losses, which at the moment, they sort of just stagnated over the past sort of month and a bit anyway in terms of, like, what they they are doing.","start_word":7453,"end_word":7505,"sentiment":"neutral","sentiment_score":-0.27658897638320923},{"text":"They haven't really sort of seen much sort of recovery in terms of, like, the dip that did occur, like, sort of hovering at the same amount.","start_word":7506,"end_word":7532,"sentiment":"negative","sentiment_score":-0.3345440924167633},{"text":"So in terms of, like, the CGT amount, it would just offset the the sale of the other assets selling down to cash and moving across Australian super. And then you'd just sort of be you know, there's no sort of timeline on when the the wars are gonna stop, which are Yes. sort of, you know, Of quite course. drivers in what's the volatility The of vault?","start_word":7533,"end_word":7600,"sentiment":"neutral","sentiment_score":-0.12110425531864166},{"text":"the market and uncertainty, which has spiked, like, quite recently. So that's, like, the just the level of risk you'd be taking if you were to sort of roll out, now given that the time frames are selling down to cash and things like that as well.","start_word":7601,"end_word":7647,"sentiment":"negative","sentiment_score":-0.35351940989494324},{"text":"Yeah. Yeah. So, yeah, I was I was thinking, like, if if I was to roll over then, it probably now probably would be not ideal just as you said of the volatility.","start_word":7648,"end_word":7680,"sentiment":"neutral","sentiment_score":-0.27269995314153755},{"text":"So, yeah, I wouldn't just mind waiting out a little bit because I don't know if Bennelong's gonna actually perform worse than they are.","start_word":7681,"end_word":7704,"sentiment":"negative","sentiment_score":-0.40649107098579407},{"text":"Yeah. But And yeah. Mhmm. as I did say as well, Ben, like, as a business decision, I'm moving away from Ben Long as well, which Which would be a part of, like, the updates. To monitor, like, what's going on, there's a thing called the the VIX index, like v I x, and Mhmm. it just sort of shows you the basically, what the markets are doing and, like, the volatility and expected sort of volatility in the Yeah. the markets and what that So sort yeah. of looks like. So yeah. With with the your, I guess, your company's direction. So if I have a pretty big portion in Bennelong, Yeah. would you guys be, what, selling now? Or, like, how Yeah. how A yeah. few, like, people have chosen to sort of hold it. Obviously, in regards to an investment, if they lose sort of conviction, how it's gonna perform long term, it's like, is it worth waiting to see how they recover, or is it worth just being in something else that you know is gonna be performing better? Because you still could wait another three or so months for Benelung to try and sort of recoup some of those losses versus just, you know, taking the loss offsetting some of that capital gains and then just being an investment that is sort of performing and getting the return. Even Yep. though you might be selling long, buying high, which is a Yep. bit of, like, you know, the cardinal sin, it's one of those things that it's is it worth sort of being on the the ship that may still be sinking, or is it worth just going on someone that is you know, you've Yeah. got conviction in long term again that you're sort of hoping we'll just get those those long term returns? Because as you said, you still got plenty of time on your side in terms Yep. of, like, Mhmm. your superannuation and, like, you know, recovering from, like, what has occurred in Yep. the the last sort of four months there with the. But in saying that it's just, yeah, one of those unfortunate things with the amount that you did lose in terms of a dollar figure. But, yeah, moving forward, we'd probably look to changing it up if you were comfortable just using that to offset it. So if you were still thinking about, like, I've just you know, I don't feel like I'm getting them much out of the service and not utilizing it to what I'm sort of paying, then you can sort of just look at doing it when you're you're comfortable. But, yeah, there is a high amount of volatility in the market at the moment, which could it could mean that you could sort of make money in the sense that if you sold the cash and then the markets took a dip and you're buying into Australian Super at the dip, it would benefit you. But if it goes the other way and the market sort of do do a little bit of a jump in that period, when you have sold the cash, you just miss out on those potential gains as well, Yes. which unless they're sort of significant and significant, it's not sort of crazy. And that market may be a few percent over a couple of weeks that you might miss out on if it Okay. was to sort of go up in that that time frame versus, like, the the the CGT cost that you would be paying is sort of gonna be roughly the same depending on how your portfolio does perform. So we can get you the the CGT that's liable at the moment Mhmm. and what that might look at. And I can just email you a document. If you wanna sort of look at moving on, that's perfectly fine. I can just refer you on to the the case management department. They can sort of answer any other questions you have and the the process and assist you if you'd Okay. like to go that way, or we can just show you sort of what an investment update might look like.","start_word":7705,"end_word":8412,"sentiment":"neutral","sentiment_score":-0.07824237363697108},{"text":"And then Yep. if you're happy with that and staying on board.","start_word":8413,"end_word":8424,"sentiment":"positive","sentiment_score":0.5020922422409058},{"text":"Okay. Sure. Yeah. So let's do that. So, yeah, I'll grab the, if it's okay with you, the updated like, what what it'll look Yeah. like. I'll put the reports together in terms of, like, Yep. what you requested. I'll give you the the capital gains that's liable at the the moment and what that might look like. And then also Mhmm. just that little comparison to, like, as I said, it's quite a bit lower in terms of, like, the the option for Australian Super that's comparing to based on, like, the asset allocation. Obviously, like, being in their high growth is a bit more aggressively invested, which is why it sort of has gotten those higher rolling average returns, which is fine. It's probably the one you may have picked anywhere. That's something to just Yes. be mindful of as well that it would be, slightly more exposed in, like, your your current portfolio there as well. But do you have any other questions for me there, Hina, in regards to to any of that? No. No. All good.","start_word":8425,"end_word":8605,"sentiment":"neutral","sentiment_score":0.1046299934387207},{"text":"Thank you.","start_word":8606,"end_word":8607,"sentiment":"positive","sentiment_score":0.4116738736629486},{"text":"Yep. Do do you feel like at least obviously, you're still kind of disappointed in what has occurred, but do you feel like you wanna make sort of a a complaint You can that's find addressed it. further, or do you feel like you've at least gotten an answer of what has occurred based on this phone call and are happy just to receive the information? Or Yeah. I think, yeah, I think you mentioned a couple of times now that, you know, your company has grown and, you know, it has changed. And I feel like, I guess, as people that are receiving the service, like, it doesn't really like, none of that really matters as long as, Yeah. like, you know, like, I just kind of if there was gonna be less service that we'll be receiving or whatever, like, I would kind of prefer to have known that because change of personnel and stuff that's, you know, that's not really our consent or, you know, it's not really a problem. So, yeah, I think yeah. Yes.","start_word":8608,"end_word":8786,"sentiment":"neutral","sentiment_score":-0.07231708158161387},{"text":"Just generally, I just feel quite disappointed considering the fees that we pay and just to trust that I'm getting, like, professionals to kind of, you know, assault my super app and just knowing that it's in safe hands.","start_word":8787,"end_word":8825,"sentiment":"negative","sentiment_score":-0.4371483325958252},{"text":"But then I just yeah.","start_word":8826,"end_word":8830,"sentiment":"neutral","sentiment_score":-0.30388766527175903},{"text":"I just felt yeah. I'd be disappointed.","start_word":8831,"end_word":8837,"sentiment":"negative","sentiment_score":-0.5106834769248962},{"text":"Yep. And if you'd still like to to raise that as a complaint to like, obviously, I am just one of the newer financial advisers that so within regards that, if you feel like you haven't been, like, receiving the service and would like to escalate that, I can pass it on to, like, our complaints department in terms of, like, what has occurred, and they can just Thank sort you. of review that and see where things are at. No. It's alright. It's okay. It's not really gonna change any outcome for me. So but I don't Okay. That's not a problem, Nina. Well, all I can do is apologize for, you know, what what did occur there. I'll get you all those reports. If you feel like you still just wanna roll out, just feel free to let me know, mind. and Yep. I'll just Yep. refer you on to that that case Right. management department that can assist you in that. Mhmm. Yep. Otherwise, if you do wanna look at what the update might look like, I'll hold on for now just until you sort of make a decision, but then I can just make a a note and get that started, that process if you do wanna look like what a a portfolio update might look like. Yeah. Look. I wouldn't mind look looking at it. And yeah. I I would prefer to, yeah, see what that update might look like first. And then, yeah, and then I'll have a bit of a think in the next week or so. Okay. Well, with that one, just I'll get them to do the research. I'll sort of put it to the top of the the pile for you, and it Mhmm. may still take a little bit then to to get the report and everything together because we'd put Yep. it together in a statement of advice. We wouldn't just sort of give you, like, a a portfolio Yep. just to show you what that might look like. We'll just do it based on the portfolio update because you don't really wanna address any other goals at this stage. Mhmm. And then I'll hopefully sort of get to that as quick as possible and get that through for you. And then, yeah, from there, you'll have all your reports. You'll have the what the update looks like.","start_word":8838,"end_word":9237,"sentiment":"neutral","sentiment_score":0.07019013934768736},{"text":"And then if you feel like you still wanna move on, that's more than more than fine. Yep. Cool. Thank you. No problem, Hina.","start_word":9238,"end_word":9261,"sentiment":"positive","sentiment_score":0.3979802429676056},{"text":"Was there anything else you wanna have a chat about or anything you feel like I have an answer there for you today? No. All good.","start_word":9262,"end_word":9287,"sentiment":"neutral","sentiment_score":0.23868755996227264},{"text":"Thank you.","start_word":9288,"end_word":9289,"sentiment":"positive","sentiment_score":0.37244677543640137},{"text":"No problem. Well, again, apologies, Hina, but, obviously, I'll try and sort of get on to this and get this sorted Alright. to show you what that might look like moving forward.","start_word":9290,"end_word":9321,"sentiment":"neutral","sentiment_score":0.09462644159793854},{"text":"Otherwise, you Yep. enjoy the rest of your day. Thanks for your Okay.","start_word":9322,"end_word":9334,"sentiment":"positive","sentiment_score":0.5379045605659485},{"text":"time. I know it was a bit long winded for you. No. That's all good.","start_word":9335,"end_word":9349,"sentiment":"neutral","sentiment_score":0.07593610137701035},{"text":"Thank you so much for your time as well. No problem, Hannah. Thank you. Alright. Bye. Thank you. Bye.","start_word":9350,"end_word":9368,"sentiment":"positive","sentiment_score":0.5182148218154907}],"average":{"sentiment":"neutral","sentiment_score":-0.019269416993835133}}}}