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Sometimes, like, technology. You know? Now I am one of the financial sciences here at ACU, and I understand that you're interested in getting some financial advice. Have you ever worked with a adviser before? No. And I guess the main reason why you do want to have a look at some advice today, I know, obviously, I have spoken to your partner, Alan, but from your point of view, is it mainly to kind of review your due graduation, or what kind of, I guess, prompted you to have a bit of a chat today? Mhmm. Right? Yep. Yeah. Yep. Yep. Yeah. And bit of a check-in, and and that totally makes sense. So that kind of aligns with what Alan said as well. Now when I spoke to him as well, he mentioned that he was quite interested in doing, like, a double one. So, obviously, after the call today, I will go and do some research, put together a strategy. But because I'm also looking at making a recommendation for himself, he mentioned to to do it together. So you guys obviously can if you're working on everything together as a couple, are you happy with that as well, or would you like to do your separate, not happy together? Yep. Yep. Okay. Yep. Okay. Perfect. Okay. Great. Perfect. Yeah. I do like to just check. But that is good, so we can definitely do that. And how was your holiday? Did you go overseas as well? Yes. Oh, that's good. Settled back in okay as well. Yep. Yep. Yeah. Yes. Yes. No. I totally relate to that. Now I will try my best not to keep you on the phone for too long because I know you have already spent a bit of time with Jordan. But, basically, my you still have some time because it will take a bit yep. Okay. Okay. I so I was trying to make it as quickly as I can. And if it is that we don't have enough time, I can just schedule in, like, a a quick one to just finish things up. That's no problem. But I shall try to be quick for you. Okay. Yeah. Okay. Yeah. Amazing. Alright. We'll we'll see how we go, but I'll try and make it quick for you. Basically, just for your reference, my side of it right now is to just to kind of see what your goals are, what your objectives are, put together a recommendation based on your personal situation. So I also believe that Jordan explained kind of how the process works and the fee structure and everything like that. Do you remember all of that? Do you have any questions? Hello? Yes. Sorry. There is a so, obviously, the whole review, everything is free. There only will be a fee if you decide that you would like to come on board. That would then be an upfront advice fee, and that is 3.3% from your super. Everything will be disclosed in the documents for you anyway in detail. But just so that you are aware, there will be an upfront advice fee that is deducted at the beginning and then never again. And that's just kind of to implement everything. You then have an ongoing advice fee. And now, typically, that is a 1.6 5 from your super balance or charged within superannuation. But because Alan is a client, we do a bit of a special for partners that we can reduce it to 1.1, and that would be for both of you to make it a bit cheaper. Again, I will disclose everything in the document for you, but just so, yeah, you are aware. Does that all make sense? Yep. Great. Perfect. And now I guess if we start with superannuation for you, I can see here that you have your super with Aware Super. Did you choose that yourself, or was it just one that, like, a employer set up for you? Okay. Yes. Mhmm. Yeah. Okay. Perfect. Now with your superannuation as well, do you have any specific goals of what is important to you when it comes to your superannuation? Mhmm. Yep. Do you post that yourself? Yep. Yep. Yep. Yep. Yep. Okay. Perfect. And when it comes to retirement age now sometimes it can be a bit tricky because it's far away. But at the moment, do you have any idea of when you would like to start accessing or drawing an income from your sofa? No? Yep. Yep. That's good. K. Yeah. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Oh, that's nice. Yeah. Yeah. What's the plan is? Mhmm. Yep. Yeah. And and that's fair. And the reason I do ask as well is because we obviously wanna make sure that when you do come to retirement, especially because that's obviously for your superannuation, that we, tryna achieve your goals and what's important. Now for your reference, with the current legislation, you can access super if you retire. If you stop working, you can access your super company tax free at the age of 60. So sometimes the people don't know when they wanna retire. I work with okay. Well, it gives you the option of taking your super out at 60. If we can try and get you to where your goals are, and if you then decide that you would like to work through 65 or 67 or 70 or part time after, then you only accumulate more. Does that make sense? Yep. Sorry. Correct. Yes. Yes. But then they're also obviously, it depends on your age as well, but if if you are, let's say, 55 and you were like, no. I need to work through 65, 67 in order to have enough funds in my super to fund my retirement. It also kind of varies. So while you do have quite a bit of time, most people aim for, okay. Well, if I can retire as soon as possible at 60, great. If I decide to work longer, then I'll just have more in my superannuation. Yep. Mhmm. Correct. Yep. Yes. Yep. We we can do. So we are a holistic firm, so we do everything. So we definitely can do if that is something you guys would like us to do. Like, if you would like us to manage for anything with your personal investment, then we definitely can do. So it's up to what you and Alan would prefer. Some people just wanna get their foundation started, so they look at, you know, your super insurances and stuff like that. And when that's kind of underway, then we kind of branch out into personal investment, investment bonds, cash flow budgeting, and that kind of stuff. But it's it's up to you. Is that something you would like us to look at now for you, or are you happy to kind of look at the foundation and then have a chat with Alan later about potentially reviewing any investments down the track? Yep. Yep. Yep. Yep. Yep. Perfect. Alright. We'll start there. Now this one might be a little bit tricky as well because it does talk about retirement, but an ideal income that you would like to draw from when you retire. So whether that is when you whenever you do decide, let's say, if it's 60, then you go, okay. Yep. No. I wanna stop working, and and I want my income to be funded from my superannuation. If you are thinking of a weekly income Okay. That's fine. Okay. Yes. Yes. K. Mhmm. Okay. Okay. Yeah. Mhmm. Yes. Okay. No. That that's a really good starting point as well. And because you don't have too many debts, which is really good. Often, a lot of people, it's like, okay. Well, obviously, you have potentially more expenses now. If you do have, like, a a mortgage now, I can see that you guys have it in offset, which is which is great. But, otherwise, sometimes, obviously, when you come to retirement, you'll have a little bit less expenses because you might not have, you know, too much debt accumulated. So that could change things as well. But you guys are in a really good position asset wise when it comes to that, so that's really good. Alright. So we'll work on that. Now when it comes through superannuation as well, I know you mentioned that you currently have your funds invested in a high growth portfolio. So what I will do next is just to go through a bit of a risk profile questionnaire. Have you ever completed something like that before? No. So, basically, just to give you a a rough idea, what it does, it allows me to put together an appropriate recommendation for you because it indicates the type of investor you are. So it is just multiple choice to make it nice and easy. And if it doesn't make sense, just let me know and think about this as well in regards to your superannuation. Okay. That makes sense. Yeah. Perfect. Yes. Exactly. I'll have a look on my phone. But, yeah, let me know if you can't hear me if it cuts out, and I could just repeat it. That's no problem. Now how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high average, or low risk taker? A low risk taker? Okay. Perfect. Mhmm. Mhmm. Yep. Yes. Yes. Okay. Perfect. So you are obviously, because often when people say low risk, they are talking more really defensive investment. So, like, cash, fixed interest, gold. But for you, it's more growth investments, just not super speculative or risky investment, if that makes sense. Yeah. Mhmm. Mhmm. Yes. Yes. Okay. Yes. Yep. Yep. Yes. I know. And that's how to make sense. I get a really good gauge on on how that you do have a pretty good understanding of it. You understand that things will fluctuate in the short term, and you are comfortable with that as long as it's obviously backed investment and good research with it. And that it continues to go up over the long term. The short term, obviously, depending on what is going on in the market, there will be some of those ups and downs. Yeah. Yep. That is fine. Yes. Yeah. Customer. Yes. Okay. Beautiful. No. That makes really good. And let me see here. So I can kinda pre fill some of this already based on the information you have told me, which saves time. Now talking about volatility, you kind of touched on that already that you wouldn't shift out. Would you, if you had the option to do so, put more money in even if it's down by, let's say, 20%, but due to general trends. Mhmm. Yes. Okay. Great. Okay. Perfect. And would you buy heavily or modestly if you had the option to do so? Mhmm. Oh, do you have a cost averaging? Yes. Oh, beautiful. Mhmm. Yep. Yes. Okay. Perfect. Alright. That makes sense. Let's see here. And if you ever kind of saw any of your investments fluctuate, would you feel, like, optimistic about future opportunities or, like, quite cautious, concerned, or anxious. Okay. Mhmm. Yes. Do a thing. Yep. Yeah. Yep. Yes. Yep. Yep. Yes. Yeah. Yeah. And that's a good approach, honestly. That's a very good way of looking at it as long as over the the longest span of time, it continues to do the right thing and continues to go up and it's invested in the right way, then that is a very good way of looking at it. Now the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds or ETFs or anything like that? No. Would no. Would you ever consider taking out a loan to buy an investment property? Yep. Yes. A bit more tangible for some people. Mhmm. Mhmm. Yep. Mhmm. Type of work. Yep. Yep. I said to die as well. Mhmm. Mhmm. Bit more liquid as well. That's totally fair. And there's there is a bit more complexity to that way. So so that makes sense. Now the last question here is in regards through the kind of income that you expect to get from your investment. So where you are at at the moment, are you wanting mainly, you know, capital growth from your investment, Or are you wanting dividends as well? Or you want a a bit of a borrowed situation from your investment? Mhmm. Mhmm. Mhmm. So kind of a bit of a bit of a mix. Some some income generated investments, but then also some capital growth to obviously make sure that we can continue to grow your investments as much as possible over the long term? Yep. Okay. Perfect. Now, basically, from your answers here, it has told me that you have come out as a high growth investor, which is how you kind of change your investments yourself. So so that is really good. And are you quite comfortable with what a high growth investor is at all? Mhmm. Yeah. No. It's it's pretty spot on, to be fair. And and most of the time, it is, like, investors that do have strong preference for growth that can tolerate sometimes, you know, sudden up and down movements in the superannuation in the short term that do have a longer investing time span. So, typically, we wanna see at least eight years till retirement, which you certainly do, so that's great. Now when it comes to actually how the money is invested, typically, we see between 90 to 95% of the funds invested in your growth investment. So that would be things like Australian shares, international shares, property, and commodities. Doesn't mean direct shares, but just that that asset allocation side of it, which is going to grow your superannuation. And then about 10 to 5% is in your more defensive. So just kind of added as a stabilizer to your portfolio, and that is often made up of cash, gold, a bit of fixed interest as well. Are you happy with that type of allocation, or how do you feel about that? Yep. Okay. Perfect. And typically as well, because you do have some volatility fluctuations, We see that the likelihood of a negative return is about one in five years. So, obviously, a bit of those fluctuation as long as long term, it will obviously continue to then outperform and grow more than your defensive. Okay. Perfect. Now do you need to go at the moment? Because I probably have at least another fifteen minutes or so. Okay. If if you are happy or if it's safe for you to do so, then that would be good if if it's safe for you. Okay. Yeah. Of course. Sure. Yeah. No. No. That's all good. That's all done. You did that with Jordan. Sure. Yes. Can you hear me? Yep. Perfect. Now with your employment and contributions and stuff like that into super as well, So I can see here that you are self employed. Is it set up as a, like, a company structure, or how is it set up for a Compass? Yep. 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Yes. You. Good morning, Quinn. I am Veronica.\n\nHow are you today? Yeah. I'm good. Thank you. Sorry about the disconnect on the phone.\n\nDon't know what happened there. Sometimes, like, technology. You know? Now I am one of the financial sciences here at ACU, and I understand that you're interested in getting some financial advice. Have you ever worked with a adviser before?\n\nNo. And I guess the main reason why you do want to have a look at some advice today, I know, obviously, I have spoken to your partner, Alan, but from your point of view, is it mainly to kind of review your due graduation, or what kind of, I guess, prompted you to have a bit of a chat today? Mhmm. Right? Yep.\n\nYeah. Yep. Yep. Yeah. And bit of a check-in, and and that totally makes sense.\n\nSo that kind of aligns with what Alan said as well. Now when I spoke to him as well, he mentioned that he was quite interested in doing, like, a double one. So, obviously, after the call today, I will go and do some research, put together a strategy. But because I'm also looking at making a recommendation for himself, he mentioned to to do it together. So you guys obviously can if you're working on everything together as a couple, are you happy with that as well, or would you like to do your separate, not happy together?\n\nYep. Yep. Okay. Yep. Okay.\n\nPerfect. Okay. Great. Perfect. Yeah.\n\nI do like to just check. But that is good, so we can definitely do that. And how was your holiday? Did you go overseas as well? Yes.\n\nOh, that's good. Settled back in okay as well. Yep. Yep. Yeah.\n\nYes. Yes. No. I totally relate to that. Now I will try my best not to keep you on the phone for too long because I know you have already spent a bit of time with Jordan.\n\nBut, basically, my you still have some time because it will take a bit yep. Okay. Okay. I so I was trying to make it as quickly as I can. And if it is that we don't have enough time, I can just schedule in, like, a a quick one to just finish things up.\n\nThat's no problem. But I shall try to be quick for you. Okay. Yeah. Okay.\n\nYeah. Amazing. Alright. We'll we'll see how we go, but I'll try and make it quick for you. Basically, just for your reference, my side of it right now is to just to kind of see what your goals are, what your objectives are, put together a recommendation based on your personal situation.\n\nSo I also believe that Jordan explained kind of how the process works and the fee structure and everything like that. Do you remember all of that? Do you have any questions? Hello? Yes.\n\nSorry. There is a so, obviously, the whole review, everything is free. There only will be a fee if you decide that you would like to come on board. That would then be an upfront advice fee, and that is 3.3% from your super. Everything will be disclosed in the documents for you anyway in detail.\n\nBut just so that you are aware, there will be an upfront advice fee that is deducted at the beginning and then never again. And that's just kind of to implement everything. You then have an ongoing advice fee. And now, typically, that is a 1.6 5 from your super balance or charged within superannuation. But because Alan is a client, we do a bit of a special for partners that we can reduce it to 1.1, and that would be for both of you to make it a bit cheaper.\n\nAgain, I will disclose everything in the document for you, but just so, yeah, you are aware. Does that all make sense? Yep. Great. Perfect.\n\nAnd now I guess if we start with superannuation for you, I can see here that you have your super with Aware Super. Did you choose that yourself, or was it just one that, like, a employer set up for you? Okay. Yes. Mhmm.\n\nYeah. Okay. Perfect. Now with your superannuation as well, do you have any specific goals of what is important to you when it comes to your superannuation? Mhmm.\n\nYep. Do you post that yourself? Yep. Yep. Yep.\n\nYep. Yep. Okay. Perfect. And when it comes to retirement age now sometimes it can be a bit tricky because it's far away.\n\nBut at the moment, do you have any idea of when you would like to start accessing or drawing an income from your sofa? No? Yep. Yep. That's good.\n\nK. Yeah. Yep. Yeah. Okay.\n\nYeah. Yeah. Yeah. Oh, that's nice. Yeah.\n\nYeah. What's the plan is? Mhmm. Yep. Yeah.\n\nAnd and that's fair. And the reason I do ask as well is because we obviously wanna make sure that when you do come to retirement, especially because that's obviously for your superannuation, that we, tryna achieve your goals and what's important. Now for your reference, with the current legislation, you can access super if you retire. If you stop working, you can access your super company tax free at the age of 60. So sometimes the people don't know when they wanna retire.\n\nI work with okay. Well, it gives you the option of taking your super out at 60. If we can try and get you to where your goals are, and if you then decide that you would like to work through 65 or 67 or 70 or part time after, then you only accumulate more. Does that make sense? Yep.\n\nSorry. Correct. Yes. Yes. But then they're also obviously, it depends on your age as well, but if if you are, let's say, 55 and you were like, no.\n\nI need to work through 65, 67 in order to have enough funds in my super to fund my retirement. It also kind of varies. So while you do have quite a bit of time, most people aim for, okay. Well, if I can retire as soon as possible at 60, great. If I decide to work longer, then I'll just have more in my superannuation.\n\nYep. Mhmm. Correct. Yep. Yes.\n\nYep. We we can do. So we are a holistic firm, so we do everything. So we definitely can do if that is something you guys would like us to do. Like, if you would like us to manage for anything with your personal investment, then we definitely can do.\n\nSo it's up to what you and Alan would prefer. Some people just wanna get their foundation started, so they look at, you know, your super insurances and stuff like that. And when that's kind of underway, then we kind of branch out into personal investment, investment bonds, cash flow budgeting, and that kind of stuff. But it's it's up to you. Is that something you would like us to look at now for you, or are you happy to kind of look at the foundation and then have a chat with Alan later about potentially reviewing any investments down the track?\n\nYep. Yep. Yep. Yep. Yep.\n\nPerfect. Alright. We'll start there. Now this one might be a little bit tricky as well because it does talk about retirement, but an ideal income that you would like to draw from when you retire. So whether that is when you whenever you do decide, let's say, if it's 60, then you go, okay.\n\nYep. No. I wanna stop working, and and I want my income to be funded from my superannuation. If you are thinking of a weekly income Okay. That's fine.\n\nOkay. Yes. Yes. K. Mhmm.\n\nOkay. Okay. Yeah. Mhmm. Yes.\n\nOkay. No. That that's a really good starting point as well. And because you don't have too many debts, which is really good. Often, a lot of people, it's like, okay.\n\nWell, obviously, you have potentially more expenses now. If you do have, like, a a mortgage now, I can see that you guys have it in offset, which is which is great. But, otherwise, sometimes, obviously, when you come to retirement, you'll have a little bit less expenses because you might not have, you know, too much debt accumulated. So that could change things as well. But you guys are in a really good position asset wise when it comes to that, so that's really good.\n\nAlright. So we'll work on that. Now when it comes through superannuation as well, I know you mentioned that you currently have your funds invested in a high growth portfolio. So what I will do next is just to go through a bit of a risk profile questionnaire. Have you ever completed something like that before?\n\nNo. So, basically, just to give you a a rough idea, what it does, it allows me to put together an appropriate recommendation for you because it indicates the type of investor you are. So it is just multiple choice to make it nice and easy. And if it doesn't make sense, just let me know and think about this as well in regards to your superannuation. Okay.\n\nThat makes sense. Yeah. Perfect. Yes. Exactly.\n\nI'll have a look on my phone. But, yeah, let me know if you can't hear me if it cuts out, and I could just repeat it. That's no problem. Now how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high average, or low risk taker?\n\nA low risk taker? Okay. Perfect. Mhmm. Mhmm.\n\nYep. Yes. Yes. Okay. Perfect.\n\nSo you are obviously, because often when people say low risk, they are talking more really defensive investment. So, like, cash, fixed interest, gold. But for you, it's more growth investments, just not super speculative or risky investment, if that makes sense. Yeah. Mhmm.\n\nMhmm. Yes. Yes. Okay. Yes.\n\nYep. Yep. Yes. I know. And that's how to make sense.\n\nI get a really good gauge on on how that you do have a pretty good understanding of it. You understand that things will fluctuate in the short term, and you are comfortable with that as long as it's obviously backed investment and good research with it. And that it continues to go up over the long term. The short term, obviously, depending on what is going on in the market, there will be some of those ups and downs. Yeah.\n\nYep. That is fine. Yes. Yeah. Customer.\n\nYes. Okay. Beautiful. No. That makes really good.\n\nAnd let me see here. So I can kinda pre fill some of this already based on the information you have told me, which saves time. Now talking about volatility, you kind of touched on that already that you wouldn't shift out. Would you, if you had the option to do so, put more money in even if it's down by, let's say, 20%, but due to general trends. Mhmm.\n\nYes. Okay. Great. Okay. Perfect.\n\nAnd would you buy heavily or modestly if you had the option to do so? Mhmm. Oh, do you have a cost averaging? Yes. Oh, beautiful.\n\nMhmm. Yep. Yes. Okay. Perfect.\n\nAlright. That makes sense. Let's see here. And if you ever kind of saw any of your investments fluctuate, would you feel, like, optimistic about future opportunities or, like, quite cautious, concerned, or anxious. Okay.\n\nMhmm. Yes. Do a thing. Yep. Yeah.\n\nYep. Yes. Yep. Yep. Yes.\n\nYeah. Yeah. And that's a good approach, honestly. That's a very good way of looking at it as long as over the the longest span of time, it continues to do the right thing and continues to go up and it's invested in the right way, then that is a very good way of looking at it. Now the last question here is in regards to borrowing money.\n\nSo would you ever consider taking out a loan to invest in stocks or funds or ETFs or anything like that? No. Would no. Would you ever consider taking out a loan to buy an investment property? Yep.\n\nYes. A bit more tangible for some people. Mhmm. Mhmm. Yep.\n\nMhmm. Type of work. Yep. Yep. I said to die as well.\n\nMhmm. Mhmm. Bit more liquid as well. That's totally fair. And there's there is a bit more complexity to that way.\n\nSo so that makes sense. Now the last question here is in regards through the kind of income that you expect to get from your investment. So where you are at at the moment, are you wanting mainly, you know, capital growth from your investment, Or are you wanting dividends as well? Or you want a a bit of a borrowed situation from your investment? Mhmm.\n\nMhmm. Mhmm. So kind of a bit of a bit of a mix. Some some income generated investments, but then also some capital growth to obviously make sure that we can continue to grow your investments as much as possible over the long term? Yep.\n\nOkay. Perfect. Now, basically, from your answers here, it has told me that you have come out as a high growth investor, which is how you kind of change your investments yourself. So so that is really good. And are you quite comfortable with what a high growth investor is at all?\n\nMhmm. Yeah. No. It's it's pretty spot on, to be fair. And and most of the time, it is, like, investors that do have strong preference for growth that can tolerate sometimes, you know, sudden up and down movements in the superannuation in the short term that do have a longer investing time span.\n\nSo, typically, we wanna see at least eight years till retirement, which you certainly do, so that's great. Now when it comes to actually how the money is invested, typically, we see between 90 to 95% of the funds invested in your growth investment. So that would be things like Australian shares, international shares, property, and commodities. Doesn't mean direct shares, but just that that asset allocation side of it, which is going to grow your superannuation. And then about 10 to 5% is in your more defensive.\n\nSo just kind of added as a stabilizer to your portfolio, and that is often made up of cash, gold, a bit of fixed interest as well. Are you happy with that type of allocation, or how do you feel about that? Yep. Okay. Perfect.\n\nAnd typically as well, because you do have some volatility fluctuations, We see that the likelihood of a negative return is about one in five years. So, obviously, a bit of those fluctuation as long as long term, it will obviously continue to then outperform and grow more than your defensive. Okay. Perfect. Now do you need to go at the moment?\n\nBecause I probably have at least another fifteen minutes or so. Okay. If if you are happy or if it's safe for you to do so, then that would be good if if it's safe for you. Okay. Yeah.\n\nOf course. Sure. Yeah. No. No.\n\nThat's all good. That's all done. You did that with Jordan. Sure. Yes.\n\nCan you hear me? Yep. Perfect. Now with your employment and contributions and stuff like that into super as well, So I can see here that you are self employed. Is it set up as a, like, a company structure, or how is it set up for a Compass?\n\nYep. Mhmm.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.029861638322472572},{"text":"Yes.","start":2.96,"end":3.46,"sentiment":"neutral","sentiment_score":0.2128334641456604},{"text":"You.","start":3.76,"end":4.26,"sentiment":"positive","sentiment_score":0.4528276324272156},{"text":"Good morning, Quinn.","start":10.24,"end":11.2,"sentiment":"positive","sentiment_score":0.4518213967482249},{"text":"I am Veronica.","start":11.2,"end":12.66,"sentiment":"positive","sentiment_score":0.3402484158674876}],"sentiment":"positive","sentiment_score":0.3413035747491651,"num_words":9,"start":0.64,"end":12.66},{"sentences":[{"text":"How are you today?","start":12.719999,"end":13.7,"sentiment":"positive","sentiment_score":0.33388470113277435},{"text":"Yeah.","start":16.515,"end":16.915,"sentiment":"neutral","sentiment_score":0.25872713327407837},{"text":"I'm good.","start":16.915,"end":17.715,"sentiment":"positive","sentiment_score":0.4242931604385376},{"text":"Thank you.","start":17.715,"end":18.455,"sentiment":"positive","sentiment_score":0.46498921513557434},{"text":"Sorry about the disconnect on the phone.","start":18.595,"end":20.755,"sentiment":"neutral","sentiment_score":-0.21091009889330184}],"sentiment":"neutral","sentiment_score":0.11852874979376793,"num_words":16,"start":12.719999,"end":20.755},{"sentences":[{"text":"Don't know what happened there.","start":20.755,"end":22.115,"sentiment":"neutral","sentiment_score":-0.15546345412731172},{"text":"Sometimes, like, technology.","start":22.115,"end":23.494999,"sentiment":"neutral","sentiment_score":-0.04490437234441439},{"text":"You know?","start":23.555,"end":24.215,"sentiment":"neutral","sentiment_score":-0.013603297527879477},{"text":"Now I am one of the financial sciences here at ACU, and I understand that you're interested in getting some financial advice.","start":26.275,"end":33.77,"sentiment":"neutral","sentiment_score":0.024861829524690456},{"text":"Have you ever worked with a adviser before?","start":33.829998,"end":36.09,"sentiment":"neutral","sentiment_score":-0.00515140185598284}],"sentiment":"neutral","sentiment_score":-0.010837198700755835,"num_words":40,"start":20.755,"end":36.09},{"sentences":[{"text":"No.","start":37.989998,"end":38.489998,"sentiment":"neutral","sentiment_score":-0.08347855508327484},{"text":"And I guess the main reason why you do want to have a look at some advice today, I know, obviously, I have spoken to your partner, Alan, but from your point of view, is it mainly to kind of review your due graduation, or what kind of, I guess, prompted you to have a bit of a chat today?","start":38.71,"end":56.515,"sentiment":"neutral","sentiment_score":0.0017812741609911124},{"text":"Mhmm.","start":64.479996,"end":64.979996,"sentiment":"neutral","sentiment_score":-0.04051109403371811},{"text":"Right?","start":73.375,"end":73.875,"sentiment":"neutral","sentiment_score":0.033671632409095764},{"text":"Yep.","start":86.509995,"end":87.009995,"sentiment":"neutral","sentiment_score":0.015345145016908646}],"sentiment":"neutral","sentiment_score":0.0004984934057574719,"num_words":64,"start":37.989998,"end":87.009995},{"sentences":[{"text":"Yeah.","start":92.67,"end":93.17,"sentiment":"neutral","sentiment_score":0.006087850779294968},{"text":"Yep.","start":95.085,"end":95.585,"sentiment":"neutral","sentiment_score":0.033374544233083725},{"text":"Yep.","start":101.0925,"end":101.5925,"sentiment":"neutral","sentiment_score":0.11307848989963531},{"text":"Yeah.","start":111.42,"end":111.92,"sentiment":"neutral","sentiment_score":0.1319582462310791},{"text":"And bit of a check-in, and and that totally makes sense.","start":113.02,"end":116.78,"sentiment":"neutral","sentiment_score":0.22636387971314517}],"sentiment":"neutral","sentiment_score":0.18496678719917933,"num_words":15,"start":92.67,"end":116.78},{"sentences":[{"text":"So that kind of aligns with what Alan said as well.","start":116.78,"end":120.159996,"sentiment":"neutral","sentiment_score":0.21332466128197583},{"text":"Now when I spoke to him as well, he mentioned that he was quite interested in doing, like, a double one.","start":121.424995,"end":127.604996,"sentiment":"neutral","sentiment_score":0.04137030820406619},{"text":"So, obviously, after the call today, I will go and do some research, put together a strategy.","start":127.825,"end":132.86499,"sentiment":"neutral","sentiment_score":0.05602741657811053},{"text":"But because I'm also looking at making a recommendation for himself, he mentioned to to do it together.","start":132.86499,"end":139.66,"sentiment":"neutral","sentiment_score":0.05855069702698125},{"text":"So you guys obviously can if you're working on everything together as a couple, are you happy with that as well, or would you like to do your separate, not happy together?","start":139.8,"end":149.34001,"sentiment":"neutral","sentiment_score":0.0868917511543259}],"sentiment":"neutral","sentiment_score":0.08083093345089994,"num_words":99,"start":116.78,"end":149.34001},{"sentences":[{"text":"Yep.","start":150.705,"end":151.205,"sentiment":"neutral","sentiment_score":0.23232731223106384},{"text":"Yep.","start":156.61499,"end":156.86499,"sentiment":"neutral","sentiment_score":0.02066475711762905},{"text":"Okay.","start":156.86499,"end":157.36499,"sentiment":"neutral","sentiment_score":0.04168378934264183},{"text":"Yep.","start":159.025,"end":159.525,"sentiment":"neutral","sentiment_score":0.09387128800153732},{"text":"Okay.","start":163.28,"end":163.78,"sentiment":"neutral","sentiment_score":0.10218778997659685}],"sentiment":"neutral","sentiment_score":0.09814698733389378,"num_words":5,"start":150.705,"end":163.78},{"sentences":[{"text":"Perfect.","start":164.0,"end":164.5,"sentiment":"positive","sentiment_score":0.3512994349002838},{"text":"Okay.","start":166.4,"end":166.79999,"sentiment":"neutral","sentiment_score":0.3176395893096924},{"text":"Great.","start":166.79999,"end":167.12,"sentiment":"positive","sentiment_score":0.6340929269790649},{"text":"Perfect.","start":167.12,"end":167.43999,"sentiment":"positive","sentiment_score":0.5718938112258911},{"text":"Yeah.","start":167.43999,"end":167.59999,"sentiment":"positive","sentiment_score":0.40617892146110535}],"sentiment":"positive","sentiment_score":0.45622093677520753,"num_words":5,"start":164.0,"end":167.59999},{"sentences":[{"text":"I do like to just check.","start":167.59999,"end":168.9,"sentiment":"positive","sentiment_score":0.3693098227183024},{"text":"But that is good, so we can definitely do that.","start":169.12,"end":171.59999,"sentiment":"positive","sentiment_score":0.6219471454620361},{"text":"And how was your holiday?","start":171.59999,"end":173.12,"sentiment":"neutral","sentiment_score":0.21096354722976685},{"text":"Did you go overseas as well?","start":173.12,"end":174.675,"sentiment":"neutral","sentiment_score":0.09790768412252267},{"text":"Yes.","start":176.595,"end":177.095,"sentiment":"positive","sentiment_score":0.495144248008728}],"sentiment":"positive","sentiment_score":0.37759780285081695,"num_words":28,"start":167.59999,"end":177.095},{"sentences":[{"text":"Oh, that's good.","start":177.955,"end":179.495,"sentiment":"positive","sentiment_score":0.5033518175284067},{"text":"Settled back in okay as well.","start":180.195,"end":182.05501,"sentiment":"neutral","sentiment_score":0.23877051721016565},{"text":"Yep.","start":187.25,"end":187.75,"sentiment":"positive","sentiment_score":0.41569650173187256},{"text":"Yep.","start":189.73,"end":190.23,"sentiment":"neutral","sentiment_score":0.16655737161636353},{"text":"Yeah.","start":196.45,"end":196.95,"sentiment":"neutral","sentiment_score":0.23181450366973877}],"sentiment":"neutral","sentiment_score":0.3130622444053491,"num_words":12,"start":177.955,"end":196.95},{"sentences":[{"text":"Yes.","start":200.145,"end":200.645,"sentiment":"neutral","sentiment_score":0.13570670783519745},{"text":"Yes.","start":201.505,"end":202.005,"sentiment":"neutral","sentiment_score":0.04780486598610878},{"text":"No.","start":202.065,"end":202.30501,"sentiment":"neutral","sentiment_score":-0.04134230315685272},{"text":"I totally relate to that.","start":202.30501,"end":204.005,"sentiment":"neutral","sentiment_score":0.002670034021139145},{"text":"Now I will try my best not to keep you on the phone for too long because I know you have already spent a bit of time with Jordan.","start":204.545,"end":209.525,"sentiment":"neutral","sentiment_score":-0.012791742923958549}],"sentiment":"neutral","sentiment_score":-0.005822732541206721,"num_words":37,"start":200.145,"end":209.525},{"sentences":[{"text":"But, basically, my you still have some time because it will take a bit yep.","start":210.30501,"end":216.11,"sentiment":"neutral","sentiment_score":-0.009232908859848976},{"text":"Okay.","start":216.49,"end":216.99,"sentiment":"neutral","sentiment_score":-0.020705770701169968},{"text":"Okay.","start":220.25,"end":220.75,"sentiment":"neutral","sentiment_score":0.014215465635061264},{"text":"I so I was trying to make it as quickly as I can.","start":222.25,"end":224.89,"sentiment":"neutral","sentiment_score":0.010165384612404384},{"text":"And if it is that we don't have enough time, I can just schedule in, like, a a quick one to just finish things up.","start":224.89,"end":232.22499,"sentiment":"neutral","sentiment_score":0.053851591795682906}],"sentiment":"neutral","sentiment_score":0.024244651943445206,"num_words":55,"start":210.30501,"end":232.22499},{"sentences":[{"text":"That's no problem.","start":232.22499,"end":232.94499,"sentiment":"neutral","sentiment_score":0.28558699289957684},{"text":"But I shall try to be quick for you.","start":232.94499,"end":235.605,"sentiment":"neutral","sentiment_score":0.2167918731768926},{"text":"Okay.","start":239.105,"end":239.605,"sentiment":"positive","sentiment_score":0.36670756340026855},{"text":"Yeah.","start":246.87999,"end":247.37999,"sentiment":"positive","sentiment_score":0.5395421981811523},{"text":"Okay.","start":247.59999,"end":248.09999,"sentiment":"positive","sentiment_score":0.518692672252655}],"sentiment":"neutral","sentiment_score":0.282188684741656,"num_words":15,"start":232.22499,"end":248.09999},{"sentences":[{"text":"Yeah.","start":249.28,"end":249.68,"sentiment":"positive","sentiment_score":0.6719545722007751},{"text":"Amazing.","start":249.68,"end":250.15999,"sentiment":"positive","sentiment_score":0.7951204776763916},{"text":"Alright.","start":250.15999,"end":250.56,"sentiment":"positive","sentiment_score":0.6053193211555481},{"text":"We'll we'll see how we go, but I'll try and make it quick for you.","start":250.56,"end":253.515,"sentiment":"positive","sentiment_score":0.4892174442609151},{"text":"Basically, just for your reference, my side of it right now is to just to kind of see what your goals are, what your objectives are, put together a recommendation based on your personal situation.","start":253.995,"end":266.655,"sentiment":"neutral","sentiment_score":0.28541688791343145}],"sentiment":"positive","sentiment_score":0.36604239833804797,"num_words":53,"start":249.28,"end":266.655},{"sentences":[{"text":"So I also believe that Jordan explained kind of how the process works and the fee structure and everything like that.","start":267.65,"end":273.43,"sentiment":"neutral","sentiment_score":0.0979672253486656},{"text":"Do you remember all of that?","start":273.57,"end":274.85,"sentiment":"neutral","sentiment_score":0.05360028396050135},{"text":"Do you have any questions?","start":274.85,"end":275.91,"sentiment":"neutral","sentiment_score":-0.020267359912395477},{"text":"Hello?","start":277.25,"end":277.75,"sentiment":"neutral","sentiment_score":-0.0066960034891963005},{"text":"Yes.","start":284.86502,"end":285.345,"sentiment":"neutral","sentiment_score":0.05638696998357773}],"sentiment":"neutral","sentiment_score":0.06844904714757029,"num_words":34,"start":267.65,"end":285.345},{"sentences":[{"text":"Sorry.","start":285.345,"end":285.845,"sentiment":"neutral","sentiment_score":0.012965042144060137},{"text":"There is a so, obviously, the whole review, everything is free.","start":286.86502,"end":290.725,"sentiment":"neutral","sentiment_score":0.0675743818283081},{"text":"There only will be a fee if you decide that you would like to come on board.","start":291.505,"end":295.08,"sentiment":"neutral","sentiment_score":0.06553060188889503},{"text":"That would then be an upfront advice fee, and that is 3.3% from your super.","start":296.19998,"end":301.87997,"sentiment":"neutral","sentiment_score":0.0668820264438788},{"text":"Everything will be disclosed in the documents for you anyway in detail.","start":301.87997,"end":304.93997,"sentiment":"neutral","sentiment_score":0.10560978204011917}],"sentiment":"neutral","sentiment_score":0.07394377241975494,"num_words":56,"start":285.345,"end":304.93997},{"sentences":[{"text":"But just so that you are aware, there will be an upfront advice fee that is deducted at the beginning and then never again.","start":305.0,"end":311.64502,"sentiment":"neutral","sentiment_score":0.11974854208528996},{"text":"And that's just kind of to implement everything.","start":311.64502,"end":313.825,"sentiment":"neutral","sentiment_score":0.148561242967844},{"text":"You then have an ongoing advice fee.","start":314.525,"end":317.965,"sentiment":"neutral","sentiment_score":0.038079549957598956},{"text":"And now, typically, that is a 1.6 5 from your super balance or charged within superannuation.","start":317.965,"end":325.49,"sentiment":"neutral","sentiment_score":0.035050114849582314},{"text":"But because Alan is a client, we do a bit of a special for partners that we can reduce it to 1.1, and that would be for both of you to make it a bit cheaper.","start":326.27,"end":339.055,"sentiment":"neutral","sentiment_score":0.0511121552489284}],"sentiment":"neutral","sentiment_score":0.07395440912140268,"num_words":91,"start":305.0,"end":339.055},{"sentences":[{"text":"Again, I will disclose everything in the document for you, but just so, yeah, you are aware.","start":339.435,"end":344.315,"sentiment":"neutral","sentiment_score":0.05364273357040742},{"text":"Does that all make sense?","start":344.315,"end":345.535,"sentiment":"neutral","sentiment_score":0.045341015607118604},{"text":"Yep.","start":346.955,"end":347.35498,"sentiment":"neutral","sentiment_score":0.20624534785747528},{"text":"Great.","start":347.35498,"end":347.85498,"sentiment":"positive","sentiment_score":0.7757129669189453},{"text":"Perfect.","start":348.315,"end":348.815,"sentiment":"positive","sentiment_score":0.6555426120758057}],"sentiment":"neutral","sentiment_score":0.11104529902338982,"num_words":25,"start":339.435,"end":348.815},{"sentences":[{"text":"And now I guess if we start with superannuation for you, I can see here that you have your super with Aware Super.","start":348.955,"end":358.55002,"sentiment":"neutral","sentiment_score":0.10797254514435063},{"text":"Did you choose that yourself, or was it just one that, like, a employer set up for you?","start":359.49002,"end":364.07,"sentiment":"neutral","sentiment_score":0.03457383056067758},{"text":"Okay.","start":367.115,"end":367.615,"sentiment":"neutral","sentiment_score":0.01105823926627636},{"text":"Yes.","start":369.755,"end":370.255,"sentiment":"neutral","sentiment_score":0.015953663736581802},{"text":"Mhmm.","start":372.635,"end":373.135,"sentiment":"neutral","sentiment_score":0.005392073653638363}],"sentiment":"neutral","sentiment_score":0.07132048784247176,"num_words":44,"start":348.955,"end":373.135},{"sentences":[{"text":"Yeah.","start":378.01,"end":378.41,"sentiment":"neutral","sentiment_score":0.06256347894668579},{"text":"Okay.","start":378.41,"end":378.89,"sentiment":"neutral","sentiment_score":0.15980872511863708},{"text":"Perfect.","start":378.89,"end":379.39,"sentiment":"neutral","sentiment_score":0.28494247794151306},{"text":"Now with your superannuation as well, do you have any specific goals of what is important to you when it comes to your superannuation?","start":380.81003,"end":388.11002,"sentiment":"neutral","sentiment_score":0.08467947458848357},{"text":"Mhmm.","start":395.075,"end":395.575,"sentiment":"neutral","sentiment_score":-0.02542760595679283}],"sentiment":"neutral","sentiment_score":0.08979265950620174,"num_words":28,"start":378.01,"end":395.575},{"sentences":[{"text":"Yep.","start":400.67502,"end":401.16,"sentiment":"neutral","sentiment_score":-0.03987769037485123},{"text":"Do you post that yourself?","start":402.84,"end":404.14,"sentiment":"neutral","sentiment_score":-0.15563761293888093},{"text":"Yep.","start":406.84,"end":407.34,"sentiment":"neutral","sentiment_score":0.009849119000136852},{"text":"Yep.","start":409.08002,"end":409.58002,"sentiment":"neutral","sentiment_score":0.01187899149954319},{"text":"Yep.","start":410.36002,"end":410.86002,"sentiment":"neutral","sentiment_score":0.00305725634098053}],"sentiment":"neutral","sentiment_score":-0.0881422653587328,"num_words":9,"start":400.67502,"end":410.86002},{"sentences":[{"text":"Yep.","start":412.04,"end":412.54,"sentiment":"neutral","sentiment_score":0.008236018940806389},{"text":"Yep.","start":416.29498,"end":416.69498,"sentiment":"neutral","sentiment_score":0.01495158951729536},{"text":"Okay.","start":416.69498,"end":417.01498,"sentiment":"neutral","sentiment_score":0.05463225767016411},{"text":"Perfect.","start":417.01498,"end":417.51498,"sentiment":"neutral","sentiment_score":0.1474500298500061},{"text":"And when it comes to retirement age now sometimes it can be a bit tricky because it's far away.","start":419.175,"end":424.315,"sentiment":"neutral","sentiment_score":-0.07526148306696039}],"sentiment":"neutral","sentiment_score":-0.052378186186694584,"num_words":23,"start":412.04,"end":424.315},{"sentences":[{"text":"But at the moment, do you have any idea of when you would like to start accessing or drawing an income from your sofa?","start":424.775,"end":431.61,"sentiment":"neutral","sentiment_score":0.002965073101222515},{"text":"No?","start":434.87,"end":435.37,"sentiment":"neutral","sentiment_score":-0.1815856695175171},{"text":"Yep.","start":446.24503,"end":446.565,"sentiment":"neutral","sentiment_score":0.0026811405550688505},{"text":"Yep.","start":446.565,"end":447.065,"sentiment":"neutral","sentiment_score":-0.01926421746611595},{"text":"That's good.","start":456.98,"end":457.63998,"sentiment":"positive","sentiment_score":0.6967205107212067}],"sentiment":"neutral","sentiment_score":0.043670138946316876,"num_words":29,"start":424.775,"end":457.63998},{"sentences":[{"text":"K.","start":469.475,"end":469.975,"sentiment":"neutral","sentiment_score":-0.04935271292924881},{"text":"Yeah.","start":473.475,"end":473.975,"sentiment":"neutral","sentiment_score":0.015295706689357758},{"text":"Yep.","start":474.035,"end":474.535,"sentiment":"neutral","sentiment_score":0.00675238436087966},{"text":"Yeah.","start":478.77,"end":479.27,"sentiment":"neutral","sentiment_score":-0.043811291456222534},{"text":"Okay.","start":481.25,"end":481.75,"sentiment":"neutral","sentiment_score":0.002815255895256996}],"sentiment":"neutral","sentiment_score":-0.013660131487995386,"num_words":5,"start":469.475,"end":481.75},{"sentences":[{"text":"Yeah.","start":482.44998,"end":482.94998,"sentiment":"neutral","sentiment_score":0.05348998308181763},{"text":"Yeah.","start":487.65,"end":488.15,"sentiment":"neutral","sentiment_score":0.06129445880651474},{"text":"Yeah.","start":493.71503,"end":494.21503,"sentiment":"neutral","sentiment_score":0.03178119286894798},{"text":"Oh, that's nice.","start":495.23502,"end":496.295,"sentiment":"neutral","sentiment_score":0.2697522044181824},{"text":"Yeah.","start":497.075,"end":497.575,"sentiment":"neutral","sentiment_score":0.02956026792526245}],"sentiment":"neutral","sentiment_score":0.1407689308481557,"num_words":7,"start":482.44998,"end":497.575},{"sentences":[{"text":"Yeah.","start":498.035,"end":498.535,"sentiment":"neutral","sentiment_score":0.021892815828323364},{"text":"What's the plan is?","start":502.13,"end":503.66998,"sentiment":"neutral","sentiment_score":0.016587364487349987},{"text":"Mhmm.","start":503.88998,"end":504.38998,"sentiment":"neutral","sentiment_score":0.010644561611115932},{"text":"Yep.","start":506.61,"end":507.11,"sentiment":"neutral","sentiment_score":0.008363349363207817},{"text":"Yeah.","start":508.93,"end":509.43,"sentiment":"neutral","sentiment_score":0.07237651944160461}],"sentiment":"neutral","sentiment_score":0.02245333802420646,"num_words":8,"start":498.035,"end":509.43},{"sentences":[{"text":"And and that's fair.","start":509.49,"end":510.44998,"sentiment":"neutral","sentiment_score":0.08594260364770889},{"text":"And the reason I do ask as well is because we obviously wanna make sure that when you do come to retirement, especially because that's obviously for your superannuation, that we, tryna achieve your goals and what's important.","start":510.44998,"end":521.295,"sentiment":"neutral","sentiment_score":0.10820532570544042},{"text":"Now for your reference, with the current legislation, you can access super if you retire.","start":521.755,"end":527.375,"sentiment":"neutral","sentiment_score":0.06499698087573051},{"text":"If you stop working, you can access your super company tax free at the age of 60.","start":527.675,"end":531.87,"sentiment":"neutral","sentiment_score":0.04844065448817085},{"text":"So sometimes the people don't know when they wanna retire.","start":532.17,"end":534.91,"sentiment":"neutral","sentiment_score":-0.011374809220433236}],"sentiment":"neutral","sentiment_score":0.07309845879319168,"num_words":84,"start":509.49,"end":534.91},{"sentences":[{"text":"I work with okay.","start":534.97,"end":536.65,"sentiment":"neutral","sentiment_score":0.05974543932825327},{"text":"Well, it gives you the option of taking your super out at 60.","start":536.65,"end":541.23,"sentiment":"neutral","sentiment_score":0.0968036104280215},{"text":"If we can try and get you to where your goals are, and if you then decide that you would like to work through 65 or 67 or 70 or part time after, then you only accumulate more.","start":541.505,"end":550.865,"sentiment":"neutral","sentiment_score":0.07274789843512208},{"text":"Does that make sense?","start":550.865,"end":552.005,"sentiment":"neutral","sentiment_score":0.05353003926575184},{"text":"Yep.","start":554.0,"end":554.5,"sentiment":"neutral","sentiment_score":0.012034306302666664}],"sentiment":"neutral","sentiment_score":0.07480005494629344,"num_words":60,"start":534.97,"end":554.5},{"sentences":[{"text":"Sorry.","start":555.2,"end":555.7,"sentiment":"neutral","sentiment_score":-0.0980861485004425},{"text":"Correct.","start":558.72003,"end":559.22003,"sentiment":"neutral","sentiment_score":0.2843312919139862},{"text":"Yes.","start":566.08,"end":566.415,"sentiment":"positive","sentiment_score":0.3578920364379883},{"text":"Yes.","start":567.295,"end":567.795,"sentiment":"neutral","sentiment_score":0.1690700799226761},{"text":"But then they're also obviously, it depends on your age as well, but if if you are, let's say, 55 and you were like, no.","start":567.855,"end":574.255,"sentiment":"neutral","sentiment_score":0.019306110925972463}],"sentiment":"neutral","sentiment_score":0.04123655285943171,"num_words":29,"start":555.2,"end":574.255},{"sentences":[{"text":"I need to work through 65, 67 in order to have enough funds in my super to fund my retirement.","start":574.255,"end":580.675,"sentiment":"neutral","sentiment_score":0.00906769223511219},{"text":"It also kind of varies.","start":581.3,"end":582.42,"sentiment":"neutral","sentiment_score":-0.04058711677789688},{"text":"So while you do have quite a bit of time, most people aim for, okay.","start":582.42,"end":586.25995,"sentiment":"neutral","sentiment_score":0.03731061418851216},{"text":"Well, if I can retire as soon as possible at 60, great.","start":586.25995,"end":589.45996,"sentiment":"neutral","sentiment_score":0.24087059373656908},{"text":"If I decide to work longer, then I'll just have more in my superannuation.","start":589.45996,"end":593.16,"sentiment":"neutral","sentiment_score":0.05877058607126985}],"sentiment":"neutral","sentiment_score":0.06441383035571287,"num_words":66,"start":574.255,"end":593.16},{"sentences":[{"text":"Yep.","start":594.645,"end":595.145,"sentiment":"neutral","sentiment_score":0.1922176331281662},{"text":"Mhmm.","start":601.445,"end":601.605,"sentiment":"neutral","sentiment_score":0.08431737124919891},{"text":"Correct.","start":601.605,"end":602.105,"sentiment":"neutral","sentiment_score":0.15463291108608246},{"text":"Yep.","start":607.22003,"end":607.72003,"sentiment":"neutral","sentiment_score":0.08856828510761261},{"text":"Yes.","start":609.14,"end":609.64,"sentiment":"neutral","sentiment_score":0.08257763087749481}],"sentiment":"neutral","sentiment_score":0.120462766289711,"num_words":5,"start":594.645,"end":609.64},{"sentences":[{"text":"Yep.","start":611.22003,"end":611.72003,"sentiment":"neutral","sentiment_score":0.07560200244188309},{"text":"We we can do.","start":618.755,"end":619.79504,"sentiment":"neutral","sentiment_score":0.14916085451841354},{"text":"So we are a holistic firm, so we do everything.","start":619.79504,"end":622.05505,"sentiment":"neutral","sentiment_score":0.24268104285001754},{"text":"So we definitely can do if that is something you guys would like us to do.","start":622.835,"end":627.895,"sentiment":"neutral","sentiment_score":0.18209764454513788},{"text":"Like, if you would like us to manage for anything with your personal investment, then we definitely can do.","start":628.03503,"end":635.07996,"sentiment":"neutral","sentiment_score":0.21075648226236043}],"sentiment":"neutral","sentiment_score":0.20033982649445534,"num_words":50,"start":611.22003,"end":635.07996},{"sentences":[{"text":"So it's up to what you and Alan would prefer.","start":635.62,"end":638.44,"sentiment":"neutral","sentiment_score":0.18761321976780893},{"text":"Some people just wanna get their foundation started, so they look at, you know, your super insurances and stuff like that.","start":638.89996,"end":646.055,"sentiment":"neutral","sentiment_score":0.1436712025176911},{"text":"And when that's kind of underway, then we kind of branch out into personal investment, investment bonds, cash flow budgeting, and that kind of stuff.","start":646.055,"end":655.195,"sentiment":"neutral","sentiment_score":0.11956596851348877},{"text":"But it's it's up to you.","start":656.775,"end":657.895,"sentiment":"neutral","sentiment_score":0.13523141170541444},{"text":"Is that something you would like us to look at now for you, or are you happy to kind of look at the foundation and then have a chat with Alan later about potentially reviewing any investments down the track?","start":657.895,"end":669.27,"sentiment":"neutral","sentiment_score":0.16870679408311845}],"sentiment":"neutral","sentiment_score":0.15139251859749064,"num_words":102,"start":635.62,"end":669.27},{"sentences":[{"text":"Yep.","start":673.505,"end":674.005,"sentiment":"neutral","sentiment_score":0.06397838890552521},{"text":"Yep.","start":680.145,"end":680.645,"sentiment":"neutral","sentiment_score":0.02106776088476181},{"text":"Yep.","start":681.505,"end":682.005,"sentiment":"neutral","sentiment_score":0.027582470327615734},{"text":"Yep.","start":684.88,"end":685.12006,"sentiment":"neutral","sentiment_score":0.11839596927165984},{"text":"Yep.","start":685.12006,"end":685.52,"sentiment":"neutral","sentiment_score":0.2742401659488678}],"sentiment":"neutral","sentiment_score":0.10105295106768608,"num_words":5,"start":673.505,"end":685.52},{"sentences":[{"text":"Perfect.","start":685.52,"end":685.92004,"sentiment":"positive","sentiment_score":0.6534711122512817},{"text":"Alright.","start":685.92004,"end":686.32,"sentiment":"neutral","sentiment_score":0.32661598920822144},{"text":"We'll start there.","start":686.32,"end":687.46,"sentiment":"neutral","sentiment_score":0.12450108925501506},{"text":"Now this one might be a little bit tricky as well because it does talk about retirement, but an ideal income that you would like to draw from when you retire.","start":688.08,"end":698.9,"sentiment":"neutral","sentiment_score":0.089033568818723},{"text":"So whether that is when you whenever you do decide, let's say, if it's 60, then you go, okay.","start":699.335,"end":704.375,"sentiment":"neutral","sentiment_score":0.08118054486419025}],"sentiment":"neutral","sentiment_score":0.10283747918226502,"num_words":55,"start":685.52,"end":704.375},{"sentences":[{"text":"Yep.","start":704.375,"end":704.615,"sentiment":"neutral","sentiment_score":0.03825294226408005},{"text":"No.","start":704.615,"end":704.775,"sentiment":"neutral","sentiment_score":-0.2836132049560547},{"text":"I wanna stop working, and and I want my income to be funded from my superannuation.","start":704.775,"end":709.59503,"sentiment":"neutral","sentiment_score":-0.14741763332858682},{"text":"If you are thinking of a weekly income Okay.","start":710.375,"end":721.54,"sentiment":"neutral","sentiment_score":0.03289396005372206},{"text":"That's fine.","start":721.54,"end":722.27997,"sentiment":"neutral","sentiment_score":0.2123146429657936}],"sentiment":"neutral","sentiment_score":-0.06494370584600959,"num_words":29,"start":704.375,"end":722.27997},{"sentences":[{"text":"Okay.","start":734.595,"end":735.095,"sentiment":"neutral","sentiment_score":0.06418992578983307},{"text":"Yes.","start":739.17,"end":739.67,"sentiment":"neutral","sentiment_score":0.06609043478965759},{"text":"Yes.","start":743.17,"end":743.67,"sentiment":"neutral","sentiment_score":0.08135592192411423},{"text":"K.","start":744.37,"end":744.87,"sentiment":"neutral","sentiment_score":0.037722148001194},{"text":"Mhmm.","start":752.22504,"end":752.72504,"sentiment":"neutral","sentiment_score":0.06819809973239899}],"sentiment":"neutral","sentiment_score":0.06351130604743957,"num_words":5,"start":734.595,"end":752.72504},{"sentences":[{"text":"Okay.","start":753.265,"end":753.765,"sentiment":"neutral","sentiment_score":0.09368869662284852},{"text":"Okay.","start":754.54504,"end":755.04504,"sentiment":"neutral","sentiment_score":0.08046045899391174},{"text":"Yeah.","start":761.34503,"end":761.82,"sentiment":"neutral","sentiment_score":0.10943561792373656},{"text":"Mhmm.","start":766.86,"end":767.36,"sentiment":"neutral","sentiment_score":0.09281378239393234},{"text":"Yes.","start":769.66003,"end":770.14,"sentiment":"neutral","sentiment_score":0.2642306089401245}],"sentiment":"neutral","sentiment_score":0.12812583297491073,"num_words":5,"start":753.265,"end":770.14},{"sentences":[{"text":"Okay.","start":770.14,"end":770.54,"sentiment":"neutral","sentiment_score":0.28364551067352295},{"text":"No.","start":770.54,"end":770.7,"sentiment":"neutral","sentiment_score":0.3285839259624481},{"text":"That 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retirement, you'll have a little bit less expenses because you might not have, you know, too much debt accumulated.","start":790.66003,"end":797.16003,"sentiment":"neutral","sentiment_score":0.17631582115535382},{"text":"So that could change things as well.","start":797.62,"end":798.82,"sentiment":"neutral","sentiment_score":0.23207497809614455},{"text":"But you guys are in a really good position asset wise when it comes to that, so that's really good.","start":798.82,"end":803.30005,"sentiment":"positive","sentiment_score":0.608863253891468}],"sentiment":"neutral","sentiment_score":0.2916831822935925,"num_words":86,"start":781.435,"end":803.30005},{"sentences":[{"text":"Alright.","start":803.30005,"end":803.7,"sentiment":"positive","sentiment_score":0.3884464204311371},{"text":"So we'll work on that.","start":803.7,"end":804.945,"sentiment":"neutral","sentiment_score":0.29871551394462587},{"text":"Now when it comes through superannuation as well, I know you mentioned that you currently have your funds invested in a high growth portfolio.","start":805.585,"end":814.405,"sentiment":"neutral","sentiment_score":0.1337461688866218},{"text":"So what I will do next is just to go through a bit of a risk profile questionnaire.","start":815.025,"end":819.525,"sentiment":"neutral","sentiment_score":0.08515003758172195},{"text":"Have you ever completed something like that before?","start":820.47,"end":822.64996,"sentiment":"neutral","sentiment_score":0.021715356269851327}],"sentiment":"neutral","sentiment_score":0.12139920660826777,"num_words":56,"start":803.30005,"end":822.64996},{"sentences":[{"text":"No.","start":825.02997,"end":825.52997,"sentiment":"neutral","sentiment_score":-0.076136514544487},{"text":"So, basically, just to give you a a rough idea, what it does, it allows me to put together an appropriate recommendation for you because it indicates the type of investor you are.","start":825.58997,"end":835.395,"sentiment":"neutral","sentiment_score":0.1428974008921421},{"text":"So it is just multiple choice to make it nice and easy.","start":836.35504,"end":839.895,"sentiment":"positive","sentiment_score":0.3484384131928285},{"text":"And if it doesn't make sense, just let me know and think about this as well in regards to your superannuation.","start":840.515,"end":845.655,"sentiment":"neutral","sentiment_score":-0.011331340031964439},{"text":"Okay.","start":848.20996,"end":848.44995,"sentiment":"neutral","sentiment_score":0.14764678478240967}],"sentiment":"neutral","sentiment_score":0.1283886370194309,"num_words":68,"start":825.02997,"end":848.44995},{"sentences":[{"text":"That makes sense.","start":848.44995,"end":849.43,"sentiment":"neutral","sentiment_score":0.19052237768967947},{"text":"Yeah.","start":850.76996,"end":851.26996,"sentiment":"neutral","sentiment_score":0.11001114547252656},{"text":"Perfect.","start":851.32996,"end":851.82996,"sentiment":"positive","sentiment_score":0.3533339500427246},{"text":"Yes.","start":863.425,"end":863.90497,"sentiment":"neutral","sentiment_score":0.1727566123008728},{"text":"Exactly.","start":863.90497,"end":864.40497,"sentiment":"neutral","sentiment_score":0.22296935319900513}],"sentiment":"neutral","sentiment_score":0.20437688486916677,"num_words":7,"start":848.44995,"end":864.40497},{"sentences":[{"text":"I'll have a look on my phone.","start":864.785,"end":866.165,"sentiment":"neutral","sentiment_score":0.15696289922509873},{"text":"But, yeah, let me know if you can't hear me if it cuts out, and I could just repeat it.","start":866.865,"end":870.225,"sentiment":"neutral","sentiment_score":0.04308318607509136},{"text":"That's no problem.","start":870.225,"end":871.365,"sentiment":"neutral","sentiment_score":0.2848723630110423},{"text":"Now how would you rate your willingness to take financial risk?","start":872.56,"end":876.1,"sentiment":"neutral","sentiment_score":0.08325070108879697},{"text":"Would you say that you're a very high risk taker, high average, or low risk taker?","start":876.24,"end":882.89996,"sentiment":"neutral","sentiment_score":0.05496572400443256}],"sentiment":"neutral","sentiment_score":0.08088123510804093,"num_words":57,"start":864.785,"end":882.89996},{"sentences":[{"text":"A low risk taker?","start":883.695,"end":888.115,"sentiment":"neutral","sentiment_score":0.03780504688620567},{"text":"Okay.","start":888.335,"end":888.835,"sentiment":"neutral","sentiment_score":0.06548768281936646},{"text":"Perfect.","start":891.135,"end":891.635,"sentiment":"neutral","sentiment_score":0.027269165962934497},{"text":"Mhmm.","start":902.83,"end":903.33,"sentiment":"neutral","sentiment_score":0.08335119485855103},{"text":"Mhmm.","start":910.76495,"end":911.26495,"sentiment":"neutral","sentiment_score":-0.007601482793688774}],"sentiment":"neutral","sentiment_score":0.03996584354899824,"num_words":8,"start":883.695,"end":911.26495},{"sentences":[{"text":"Yep.","start":912.605,"end":913.105,"sentiment":"neutral","sentiment_score":0.15125368535518646},{"text":"Yes.","start":915.40497,"end":915.90497,"sentiment":"neutral","sentiment_score":0.26701417565345764},{"text":"Yes.","start":917.805,"end":918.305,"sentiment":"neutral","sentiment_score":0.32072773575782776},{"text":"Okay.","start":918.44495,"end":918.94495,"sentiment":"positive","sentiment_score":0.43781059980392456},{"text":"Perfect.","start":919.08496,"end":919.565,"sentiment":"positive","sentiment_score":0.6131627559661865}],"sentiment":"positive","sentiment_score":0.3579937905073166,"num_words":5,"start":912.605,"end":919.565},{"sentences":[{"text":"So you are obviously, because often when people say low risk, they are talking more really defensive investment.","start":919.565,"end":926.9,"sentiment":"neutral","sentiment_score":0.17238747452696165},{"text":"So, like, cash, fixed interest, gold.","start":926.96,"end":929.14,"sentiment":"neutral","sentiment_score":0.1468224860727787},{"text":"But for you, it's more growth investments, just not super speculative or risky investment, if that makes sense.","start":929.68,"end":937.775,"sentiment":"neutral","sentiment_score":0.08851396809849474},{"text":"Yeah.","start":938.715,"end":939.215,"sentiment":"neutral","sentiment_score":0.08190373331308365},{"text":"Mhmm.","start":941.67505,"end":942.17505,"sentiment":"neutral","sentiment_score":0.08460275828838348}],"sentiment":"neutral","sentiment_score":0.13053789489309897,"num_words":44,"start":919.565,"end":942.17505},{"sentences":[{"text":"Mhmm.","start":947.37,"end":947.87,"sentiment":"neutral","sentiment_score":0.057709675282239914},{"text":"Yes.","start":948.97,"end":949.47,"sentiment":"neutral","sentiment_score":0.05382926017045975},{"text":"Yes.","start":950.17,"end":950.67,"sentiment":"neutral","sentiment_score":0.08923380076885223},{"text":"Okay.","start":956.08997,"end":956.58997,"sentiment":"neutral","sentiment_score":0.002711106091737747},{"text":"Yes.","start":957.20996,"end":957.70996,"sentiment":"neutral","sentiment_score":0.05300508439540863}],"sentiment":"neutral","sentiment_score":0.051297785341739656,"num_words":5,"start":947.37,"end":957.70996},{"sentences":[{"text":"Yep.","start":968.90497,"end":969.40497,"sentiment":"neutral","sentiment_score":0.09087413549423218},{"text":"Yep.","start":969.46497,"end":969.96497,"sentiment":"neutral","sentiment_score":0.10860034078359604},{"text":"Yes.","start":975.8,"end":976.3,"sentiment":"neutral","sentiment_score":0.15619412064552307},{"text":"I know.","start":977.48,"end":977.72003,"sentiment":"neutral","sentiment_score":0.15279776602983475},{"text":"And that's how to make sense.","start":977.72003,"end":978.68,"sentiment":"neutral","sentiment_score":0.24524455020825067}],"sentiment":"neutral","sentiment_score":0.19388467547568408,"num_words":11,"start":968.90497,"end":978.68},{"sentences":[{"text":"I get a really good gauge on on how that you do have a pretty good understanding of it.","start":978.68,"end":983.08,"sentiment":"neutral","sentiment_score":0.27190131498010534},{"text":"You understand that things will fluctuate in the short term, and you are comfortable with that as long as it's obviously backed investment and good research with it.","start":983.08,"end":995.075,"sentiment":"neutral","sentiment_score":0.3300416171550751},{"text":"And that it continues to go up over the long term.","start":995.615,"end":998.2,"sentiment":"positive","sentiment_score":0.34632385589859704},{"text":"The short term, obviously, depending on what is going on in the market, there will be some of those ups and downs.","start":998.2,"end":1002.7,"sentiment":"neutral","sentiment_score":0.00839860796589743},{"text":"Yeah.","start":1008.36,"end":1008.86,"sentiment":"neutral","sentiment_score":0.02032196894288063}],"sentiment":"neutral","sentiment_score":0.22743140770421352,"num_words":81,"start":978.68,"end":1008.86},{"sentences":[{"text":"Yep.","start":1009.16003,"end":1009.56,"sentiment":"neutral","sentiment_score":0.041784293949604034},{"text":"That is fine.","start":1009.56,"end":1010.355,"sentiment":"neutral","sentiment_score":0.11673026531934738},{"text":"Yes.","start":1012.27496,"end":1012.435,"sentiment":"neutral","sentiment_score":0.08265870809555054},{"text":"Yeah.","start":1012.435,"end":1012.755,"sentiment":"neutral","sentiment_score":0.07545854151248932},{"text":"Customer.","start":1012.755,"end":1013.255,"sentiment":"neutral","sentiment_score":0.05679405480623245}],"sentiment":"neutral","sentiment_score":0.08669805633170265,"num_words":7,"start":1009.16003,"end":1013.255},{"sentences":[{"text":"Yes.","start":1014.355,"end":1014.855,"sentiment":"neutral","sentiment_score":0.09995485842227936},{"text":"Okay.","start":1014.915,"end":1015.235,"sentiment":"neutral","sentiment_score":0.2287418097257614},{"text":"Beautiful.","start":1015.235,"end":1015.71497,"sentiment":"positive","sentiment_score":0.48180803656578064},{"text":"No.","start":1015.71497,"end":1015.875,"sentiment":"neutral","sentiment_score":0.2101583629846573},{"text":"That makes really good.","start":1015.875,"end":1017.33496,"sentiment":"positive","sentiment_score":0.33741384744644165}],"sentiment":"neutral","sentiment_score":0.29628980718553066,"num_words":8,"start":1014.355,"end":1017.33496},{"sentences":[{"text":"And let me see here.","start":1018.755,"end":1021.235,"sentiment":"neutral","sentiment_score":0.1672023743391037},{"text":"So I can kinda pre fill some of this already based on the information you have told me, which saves time.","start":1021.235,"end":1026.48,"sentiment":"neutral","sentiment_score":0.1437321032087008},{"text":"Now talking about volatility, you kind of touched on that already that you wouldn't shift out.","start":1027.74,"end":1032.48,"sentiment":"neutral","sentiment_score":-0.0075813590083271265},{"text":"Would you, if you had the option to do so, put more money in even if it's down by, let's say, 20%, but due to general trends.","start":1032.94,"end":1043.215,"sentiment":"neutral","sentiment_score":-0.009934513864141924},{"text":"Mhmm.","start":1048.875,"end":1049.375,"sentiment":"neutral","sentiment_score":-0.031971268355846405}],"sentiment":"neutral","sentiment_score":0.04904115931796176,"num_words":70,"start":1018.755,"end":1049.375},{"sentences":[{"text":"Yes.","start":1051.77,"end":1052.27,"sentiment":"neutral","sentiment_score":-0.012114882469177246},{"text":"Okay.","start":1052.89,"end":1053.39,"sentiment":"neutral","sentiment_score":0.06103502959012985},{"text":"Great.","start":1053.77,"end":1054.27,"sentiment":"positive","sentiment_score":0.4498631358146667},{"text":"Okay.","start":1054.41,"end":1054.73,"sentiment":"neutral","sentiment_score":0.2503436505794525},{"text":"Perfect.","start":1054.73,"end":1055.21,"sentiment":"positive","sentiment_score":0.37323054671287537}],"sentiment":"neutral","sentiment_score":0.22447149604558944,"num_words":5,"start":1051.77,"end":1055.21},{"sentences":[{"text":"And would you buy heavily or modestly if you had the option to do so?","start":1055.21,"end":1059.5499,"sentiment":"neutral","sentiment_score":0.09768803318341573},{"text":"Mhmm.","start":1061.865,"end":1062.365,"sentiment":"neutral","sentiment_score":0.01439558807760477},{"text":"Oh, do you have a cost averaging?","start":1068.985,"end":1070.285,"sentiment":"neutral","sentiment_score":0.0021608593607587473},{"text":"Yes.","start":1071.865,"end":1072.365,"sentiment":"neutral","sentiment_score":0.07321444153785706},{"text":"Oh, beautiful.","start":1072.425,"end":1073.085,"sentiment":"neutral","sentiment_score":0.229806087911129}],"sentiment":"neutral","sentiment_score":0.07798725841208719,"num_words":26,"start":1055.21,"end":1073.085},{"sentences":[{"text":"Mhmm.","start":1073.385,"end":1073.885,"sentiment":"neutral","sentiment_score":0.02507956326007843},{"text":"Yep.","start":1077.3401,"end":1077.8401,"sentiment":"neutral","sentiment_score":-0.06820781528949738},{"text":"Yes.","start":1081.8201,"end":1082.2201,"sentiment":"neutral","sentiment_score":0.00621972419321537},{"text":"Okay.","start":1082.2201,"end":1082.6201,"sentiment":"neutral","sentiment_score":0.05771457403898239},{"text":"Perfect.","start":1082.6201,"end":1083.1201,"sentiment":"neutral","sentiment_score":0.2135736346244812}],"sentiment":"neutral","sentiment_score":0.046875936165452006,"num_words":5,"start":1073.385,"end":1083.1201},{"sentences":[{"text":"Alright.","start":1084.06,"end":1084.4601,"sentiment":"neutral","sentiment_score":0.15144839882850647},{"text":"That makes sense.","start":1084.4601,"end":1085.76,"sentiment":"neutral","sentiment_score":0.1546892523765564},{"text":"Let's see here.","start":1088.065,"end":1089.205,"sentiment":"neutral","sentiment_score":0.06358406692743301},{"text":"And if you ever kind of saw any of your investments fluctuate, would you feel, like, optimistic about future opportunities or, like, quite cautious, concerned, or anxious.","start":1090.625,"end":1103.12,"sentiment":"neutral","sentiment_score":-0.00578650501039293},{"text":"Okay.","start":1106.78,"end":1107.28,"sentiment":"neutral","sentiment_score":-0.032221753150224686}],"sentiment":"neutral","sentiment_score":0.017651741951704027,"num_words":35,"start":1084.06,"end":1107.28},{"sentences":[{"text":"Mhmm.","start":1109.7401,"end":1110.2401,"sentiment":"neutral","sentiment_score":-0.026266874745488167},{"text":"Yes.","start":1112.38,"end":1112.88,"sentiment":"neutral","sentiment_score":-0.01964738965034485},{"text":"Do a thing.","start":1116.3949,"end":1117.115,"sentiment":"neutral","sentiment_score":-0.07454886784156163},{"text":"Yep.","start":1117.115,"end":1117.615,"sentiment":"neutral","sentiment_score":-0.03922545164823532},{"text":"Yeah.","start":1121.835,"end":1122.335,"sentiment":"neutral","sentiment_score":-0.12983059883117676}],"sentiment":"neutral","sentiment_score":-0.06265955977141857,"num_words":7,"start":1109.7401,"end":1122.335},{"sentences":[{"text":"Yep.","start":1124.075,"end":1124.575,"sentiment":"neutral","sentiment_score":-0.10535316169261932},{"text":"Yes.","start":1128.4099,"end":1128.9099,"sentiment":"neutral","sentiment_score":-0.041384756565093994},{"text":"Yep.","start":1130.33,"end":1130.83,"sentiment":"neutral","sentiment_score":0.007864212617278099},{"text":"Yep.","start":1137.21,"end":1137.675,"sentiment":"neutral","sentiment_score":0.030719857662916183},{"text":"Yes.","start":1137.675,"end":1138.175,"sentiment":"neutral","sentiment_score":0.02863363176584244}],"sentiment":"neutral","sentiment_score":-0.015904043242335318,"num_words":5,"start":1124.075,"end":1138.175},{"sentences":[{"text":"Yeah.","start":1141.1951,"end":1141.6951,"sentiment":"neutral","sentiment_score":-0.027257930487394333},{"text":"Yeah.","start":1143.915,"end":1144.3151,"sentiment":"neutral","sentiment_score":0.2141081988811493},{"text":"And that's a good approach, honestly.","start":1144.3151,"end":1145.755,"sentiment":"positive","sentiment_score":0.40819652875264484},{"text":"That's a very good way of looking at it as long as over the the longest span of time, it continues to do the right thing and continues to go up and it's invested in the right way, then that is a very good way of looking at it.","start":1145.755,"end":1159.73,"sentiment":"positive","sentiment_score":0.5436100327238744},{"text":"Now the last question here is in regards to borrowing money.","start":1159.79,"end":1162.935,"sentiment":"neutral","sentiment_score":0.05525317161597989}],"sentiment":"positive","sentiment_score":0.43942214606110663,"num_words":68,"start":1141.1951,"end":1162.935},{"sentences":[{"text":"So would you ever consider taking out a loan to invest in stocks or funds or ETFs or anything like that?","start":1163.015,"end":1170.635,"sentiment":"neutral","sentiment_score":0.015718126935618266},{"text":"No.","start":1172.535,"end":1173.035,"sentiment":"neutral","sentiment_score":-0.1590127795934677},{"text":"Would no.","start":1176.47,"end":1177.19,"sentiment":"neutral","sentiment_score":-0.10130278021097183},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":1177.19,"end":1180.8899,"sentiment":"neutral","sentiment_score":-0.05882499051781801},{"text":"Yep.","start":1183.59,"end":1184.09,"sentiment":"neutral","sentiment_score":-0.011558818630874155}],"sentiment":"neutral","sentiment_score":-0.021258457098156214,"num_words":38,"start":1163.015,"end":1184.09},{"sentences":[{"text":"Yes.","start":1184.3899,"end":1184.8899,"sentiment":"neutral","sentiment_score":-0.0047741178423166275},{"text":"A bit more tangible for some people.","start":1186.63,"end":1188.73,"sentiment":"neutral","sentiment_score":-0.10530534918819155},{"text":"Mhmm.","start":1202.31,"end":1202.81,"sentiment":"neutral","sentiment_score":-0.2484901249408722},{"text":"Mhmm.","start":1211.27,"end":1211.67,"sentiment":"neutral","sentiment_score":-0.1730613112449646},{"text":"Yep.","start":1211.67,"end":1212.17,"sentiment":"neutral","sentiment_score":-0.13698559999465942}],"sentiment":"neutral","sentiment_score":-0.11822259984910488,"num_words":11,"start":1184.3899,"end":1212.17},{"sentences":[{"text":"Mhmm.","start":1221.445,"end":1221.945,"sentiment":"neutral","sentiment_score":-0.15664932131767273},{"text":"Type of work.","start":1222.325,"end":1223.1449,"sentiment":"neutral","sentiment_score":-0.16256357729434967},{"text":"Yep.","start":1232.63,"end":1233.13,"sentiment":"neutral","sentiment_score":-0.05332951247692108},{"text":"Yep.","start":1237.75,"end":1238.25,"sentiment":"neutral","sentiment_score":-0.03618776053190231},{"text":"I said to die as well.","start":1240.1649,"end":1241.7849,"sentiment":"neutral","sentiment_score":-0.156866155564785}],"sentiment":"neutral","sentiment_score":-0.13958785496652126,"num_words":12,"start":1221.445,"end":1241.7849},{"sentences":[{"text":"Mhmm.","start":1248.8049,"end":1249.3049,"sentiment":"neutral","sentiment_score":0.052911803126335144},{"text":"Mhmm.","start":1254.6599,"end":1255.1599,"sentiment":"neutral","sentiment_score":-0.047118671238422394},{"text":"Bit more liquid as well.","start":1255.38,"end":1256.9199,"sentiment":"neutral","sentiment_score":-0.00022125616669654846},{"text":"That's totally fair.","start":1269.075,"end":1270.855,"sentiment":"neutral","sentiment_score":-0.22855170567830405},{"text":"And there's there is a bit more complexity to that way.","start":1270.9149,"end":1273.895,"sentiment":"neutral","sentiment_score":-0.15859053893522781}],"sentiment":"neutral","sentiment_score":-0.1154982949651423,"num_words":21,"start":1248.8049,"end":1273.895},{"sentences":[{"text":"So so that makes sense.","start":1275.155,"end":1276.6749,"sentiment":"neutral","sentiment_score":0.11764123439788818},{"text":"Now the last question here is in regards through the kind of income that you expect to get from your investment.","start":1276.6749,"end":1283.29,"sentiment":"neutral","sentiment_score":0.08543739716211955},{"text":"So where you are at at the moment, are you wanting mainly, you know, capital growth from your investment, Or are you wanting dividends as well?","start":1283.75,"end":1294.395,"sentiment":"neutral","sentiment_score":0.042506919242441654},{"text":"Or you want a a bit of a borrowed situation from your investment?","start":1294.535,"end":1298.635,"sentiment":"neutral","sentiment_score":0.04921675186890822},{"text":"Mhmm.","start":1303.27,"end":1303.77,"sentiment":"neutral","sentiment_score":0.185031458735466}],"sentiment":"neutral","sentiment_score":0.06533970675346526,"num_words":66,"start":1275.155,"end":1303.77},{"sentences":[{"text":"Mhmm.","start":1308.71,"end":1309.21,"sentiment":"neutral","sentiment_score":0.10604780912399292},{"text":"Mhmm.","start":1318.245,"end":1318.745,"sentiment":"neutral","sentiment_score":0.052388355135917664},{"text":"So kind of a bit of a bit of a mix.","start":1319.525,"end":1321.605,"sentiment":"neutral","sentiment_score":0.08809340677478096},{"text":"Some some income generated investments, but then also some capital growth to obviously make sure that we can continue to grow your investments as much as possible over the long term?","start":1321.605,"end":1332.78,"sentiment":"neutral","sentiment_score":0.15496132258445985},{"text":"Yep.","start":1333.88,"end":1334.28,"sentiment":"neutral","sentiment_score":0.1463530957698822}],"sentiment":"neutral","sentiment_score":0.13505817188156977,"num_words":45,"start":1308.71,"end":1334.28},{"sentences":[{"text":"Okay.","start":1334.28,"end":1334.6799,"sentiment":"positive","sentiment_score":0.3807608187198639},{"text":"Perfect.","start":1334.6799,"end":1335.1799,"sentiment":"positive","sentiment_score":0.5867650508880615},{"text":"Now, basically, from your answers here, it has told me that you have come out as a high growth investor, which is how you kind of change your investments yourself.","start":1337.0,"end":1347.475,"sentiment":"neutral","sentiment_score":0.29037496000528334},{"text":"So so that is really good.","start":1348.495,"end":1349.855,"sentiment":"positive","sentiment_score":0.5898252377907435},{"text":"And are you quite comfortable with what a high growth investor is at all?","start":1349.855,"end":1353.5549,"sentiment":"neutral","sentiment_score":0.1838804701609271}],"sentiment":"neutral","sentiment_score":0.30369332074545896,"num_words":52,"start":1334.28,"end":1353.5549},{"sentences":[{"text":"Mhmm.","start":1360.11,"end":1360.61,"sentiment":"neutral","sentiment_score":0.052729737013578415},{"text":"Yeah.","start":1369.725,"end":1370.225,"sentiment":"neutral","sentiment_score":0.03804199397563934},{"text":"No.","start":1371.565,"end":1371.885,"sentiment":"neutral","sentiment_score":-0.027146831154823303},{"text":"It's it's pretty spot on, to be fair.","start":1371.885,"end":1373.565,"sentiment":"neutral","sentiment_score":0.21918845549225807},{"text":"And and most of the time, it is, like, investors that do have strong preference for growth that can tolerate sometimes, you know, sudden up and down movements in the superannuation in the short term that do have a longer investing time span.","start":1373.565,"end":1389.74,"sentiment":"neutral","sentiment_score":0.069748975282405}],"sentiment":"neutral","sentiment_score":0.08919145335029396,"num_words":54,"start":1360.11,"end":1389.74},{"sentences":[{"text":"So, typically, we wanna see at least eight years till retirement, which you certainly do, so that's great.","start":1389.88,"end":1394.325,"sentiment":"neutral","sentiment_score":0.16665398764113584},{"text":"Now when it comes to actually how the money is invested, typically, we see between 90 to 95% of the funds invested in your growth investment.","start":1395.7649,"end":1406.2649,"sentiment":"neutral","sentiment_score":0.1389883362616484},{"text":"So that would be things like Australian shares, international shares, property, and commodities.","start":1407.1799,"end":1412.48,"sentiment":"neutral","sentiment_score":0.13696011614341003},{"text":"Doesn't mean direct shares, but just that that asset allocation side of it, which is going to grow your 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that?","start":1435.3,"end":1441.0,"sentiment":"neutral","sentiment_score":0.16728404313325881},{"text":"Yep.","start":1444.8201,"end":1445.3,"sentiment":"neutral","sentiment_score":0.1752786934375763},{"text":"Okay.","start":1445.3,"end":1445.7001,"sentiment":"neutral","sentiment_score":0.2695370316505432},{"text":"Perfect.","start":1445.7001,"end":1446.2001,"sentiment":"positive","sentiment_score":0.3700276017189026}],"sentiment":"neutral","sentiment_score":0.1507859605881903,"num_words":45,"start":1425.5851,"end":1446.2001},{"sentences":[{"text":"And typically as well, because you do have some volatility fluctuations, We see that the likelihood of a negative return is about one in five years.","start":1446.26,"end":1456.275,"sentiment":"neutral","sentiment_score":-0.010087247651356917},{"text":"So, obviously, a bit of those fluctuation as long as long term, it will obviously continue to then outperform and grow more than your defensive.","start":1456.495,"end":1463.2351,"sentiment":"neutral","sentiment_score":0.11105758383870125},{"text":"Okay.","start":1463.8999,"end":1464.2999,"sentiment":"neutral","sentiment_score":0.11019187420606612},{"text":"Perfect.","start":1464.2999,"end":1464.7999,"sentiment":"neutral","sentiment_score":0.2238344699144363},{"text":"Now do you need to go at the moment?","start":1464.94,"end":1466.7,"sentiment":"neutral","sentiment_score":0.03841864483224021}],"sentiment":"neutral","sentiment_score":0.05151556942972445,"num_words":62,"start":1446.26,"end":1466.7},{"sentences":[{"text":"Because I probably have at least another fifteen minutes or so.","start":1466.7,"end":1471.76,"sentiment":"neutral","sentiment_score":0.005895707248286767},{"text":"Okay.","start":1478.235,"end":1478.735,"sentiment":"neutral","sentiment_score":0.04119746387004852},{"text":"If if you are happy or if it's safe for you to do so, then that would be good if if it's safe for you.","start":1479.0349,"end":1486.1749,"sentiment":"neutral","sentiment_score":0.1152943480014801},{"text":"Okay.","start":1487.275,"end":1487.775,"sentiment":"neutral","sentiment_score":0.05226434767246246},{"text":"Yeah.","start":1489.0499,"end":1489.2899,"sentiment":"neutral","sentiment_score":0.05310492962598801}],"sentiment":"neutral","sentiment_score":0.07932764669068348,"num_words":39,"start":1466.7,"end":1489.2899},{"sentences":[{"text":"Of course.","start":1489.2899,"end":1490.03,"sentiment":"neutral","sentiment_score":0.05879025347530842},{"text":"Sure.","start":1492.89,"end":1493.39,"sentiment":"neutral","sentiment_score":0.0962749570608139},{"text":"Yeah.","start":1494.25,"end":1494.75,"sentiment":"neutral","sentiment_score":0.08654528856277466},{"text":"No.","start":1495.85,"end":1496.33,"sentiment":"neutral","sentiment_score":-0.007301073521375656},{"text":"No.","start":1496.33,"end":1496.65,"sentiment":"neutral","sentiment_score":0.03354201465845108}],"sentiment":"neutral","sentiment_score":0.05444028228521347,"num_words":6,"start":1489.2899,"end":1496.65},{"sentences":[{"text":"That's all good.","start":1496.65,"end":1497.37,"sentiment":"neutral","sentiment_score":0.1986160178979238},{"text":"That's all done.","start":1497.37,"end":1498.35,"sentiment":"neutral","sentiment_score":0.19426444669564566},{"text":"You did that with Jordan.","start":1498.49,"end":1499.71,"sentiment":"neutral","sentiment_score":0.13498724550008773},{"text":"Sure.","start":1505.745,"end":1506.245,"sentiment":"neutral","sentiment_score":0.06910476088523865},{"text":"Yes.","start":1698.385,"end":1698.625,"sentiment":"neutral","sentiment_score":0.004850226454436779}],"sentiment":"neutral","sentiment_score":0.14827173912467864,"num_words":13,"start":1496.65,"end":1698.625},{"sentences":[{"text":"Can you hear me?","start":1698.625,"end":1699.605,"sentiment":"neutral","sentiment_score":-0.021220953203737736},{"text":"Yep.","start":1700.7849,"end":1701.2849,"sentiment":"neutral","sentiment_score":0.26172327995300293},{"text":"Perfect.","start":1701.4249,"end":1701.9249,"sentiment":"positive","sentiment_score":0.5717850923538208},{"text":"Now with your employment and contributions and stuff like that into super as well, So I can see here that you are self employed.","start":1703.105,"end":1714.06,"sentiment":"neutral","sentiment_score":0.17793779307976365},{"text":"Is it set up as a, like, a company structure, or how is it set up for a Compass?","start":1714.76,"end":1721.7401,"sentiment":"neutral","sentiment_score":0.017644473939741914}],"sentiment":"neutral","sentiment_score":0.10927299180125095,"num_words":49,"start":1698.625,"end":1721.7401},{"sentences":[{"text":"Yep.","start":1725.271,"end":1725.771,"sentiment":"neutral","sentiment_score":0.0493650995194912},{"text":"Mhmm.","start":1728.0709,"end":1728.5709,"sentiment":"neutral","sentiment_score":0.004439500160515308}],"sentiment":"neutral","sentiment_score":0.026902299840003255,"num_words":2,"start":1725.271,"end":1728.5709}]}}]},{"alternatives":[{"transcript":"There we go. Beautiful Ultra Rans. So you got it in 32, one. Good. Thank you. How are you, Veronica? That's alright. Mhmm. No. Just making sure that we've optimized what we can and we haven't, like, glaringly missed anything that, like, for some people like, for people in the, I guess, we're in our late thirties now. Shit. We're in our late thirties now. That's it's like, I swear I was just ten thirty. That we're doing what we should be doing. Like, we have a degree of health literacy, but, obviously, it's not our favorite subject. But so we do what we can, but it's always good to get, like, advice from someone just to make sure that we're we're doing what we should in terms of setting ourselves up for retirement and, like, just general making sure that we're doing the right things, really. It's just mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Oh, yes. I'm happy. And then anything that I I have separate to Alan, I've disclosed to him. Like, he know I think I have my own emergency fund. I have my own set of, like, investments and stuff like that, but he he knows all about it. So, like, talking about that stuff in front of him is perfectly fine. Yes. Yeah. It was really, really good. Actually, yeah. Yeah. Yeah. Yeah. It's like it's, yeah, as it always is. You have, like, the quite positive words. Yeah. But he's already planning or he's already thinking about the next one. So I was like, okay. Right. Talent is very important. It has, like, something to look forward to getting through the week. Yes. Yeah. Yep. So I do have to leave at eleven because I've got another appointment. Yep. But Yeah. Yeah. I was gonna say and and, like because I have to go to the doctors. That's what the appointment is. But I'll be back in the afternoon. So, like, if in the afternoon, like, you wanna pick up where we left off, I'm happy to do that and just get everything done for you. Yep. Yep. No worries. Okay. Mhmm. Mhmm. Yep. No. No idea about the fee structure, but I'm assuming it's gonna be something similar to what Alan's already organized. Yep. Perfect. Right. Okay. Mhmm. Mhmm. Mhmm. Yes. Yep. That sounds good. Mhmm. Employer setup. Because at the time when I said that, I was working for public hospital, and then they used to be called, I think, First Super. And then, yeah, they rebranded, but just mostly through hospital. Mhmm. Not in terms of, like, other things, but just in general at the moment, just like I've put everything into high growth, so it's pretty much we're not well, we won't we won't be able to take anything out. So it's just trying to grow it and riding at the market as long as possible because we really need to start stabilizing it around the retirement age, but that's pretty much in general the basic kinda like yeah. Yep. No. Honestly, no. Because whatever we planned when we first started, you know, starting our investments and thinking about our future, I was still working in corporate. And, obviously, now things have changed a lot. And, also, Alan's income has, like, gone up so much more than what we anticipated that yeah. It's a good thing. But also also with the discussions with Alan, Alan doesn't know if he's ever really going to retire because he he will always be thinking about working in some capacity. So with that in mind, like, even if it was, like, part time or something, like, I don't think he really wants to retire as such. And that's the thing is, like, based on conversations now. So he might change his mind and continue. So based on that, like, he was very, very supportive about me not working corporate anymore due to, like, mental health reasons. And so so now we haven't really decided, like like, essentially, when retirement age or even if retirement is gonna be a thing for us. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yeah. Okay. Yep. So to re to her provide that back, so you can take it out at 60. And, like, that's generally the the kind of number that you're working towards when you're doing your plans, and then you're giving your advice. Yep. Mhmm. Yeah. Yep. That's fine. I think if anything and, obviously, super is locked in until we're 60. But I think what Alan's thinking is that we should aim and wait for younger, which is why we have a separate investment going on. But I guess, like, your advice doesn't really cover those investments. It really covers just mostly the super component of it. Mhmm. Mhmm. Mhmm. We can mostly focus on the base for now and then potentially because it'll be interesting to hear what you say based on, like, my current employment situation with the current amount of money I have in the super at the moment. Mhmm. Mhmm. Yes. So we Al and I did, like, a combined number. Yep. And it's it's been a while since we've looked at the number, but the combined number that we looked at was we said, okay. Well, to be safe, if we say a 100,000 annually and then per year, it's like if we divide it by because our goals would be to travel, essentially, to be able to travel. And so if we said the number is a 100,000, but not all from super, like, it'll be combination of super plus, like, investments, dividends, and stuff. But it's in and and, like, potentially, like, interest from cash or something as well. But all up, 100,000 a year, which is, like, 1,900 a week, and that would be, like, cover everything. Yep. Mhmm. Mhmm. Yep. No. Okay. Yeah. Sorry. Your phone line is a little bit, like, choppy, but I think I got the gist of it. Essentially, there's a questionnaire with multiple choice, and it gives you some idea of, like, how I how we invest or something like that. Yeah. Cool. Mhmm. Yep. Probably a low risk taker. Mhmm. It's it's a balance because, like, I know that, like, it's, like, reflecting in the way because we choose ETFs, and we'd rather do it long term than do, like, risky shares that might pay off quickly, like, might go up in price quickly, but there's also more volatility. So we're we're okay with, like, taking our time, but we do want growth. So yeah. Yeah. Yeah. But we're we're okay with, like, weathering volatility, like, with the understanding that or with the like, based on trends, the stock market goes up over a longer period of time. So we're we we we will not if there is a zero to volatility, we won't be selling. We'll just hold and ride it out for, like, ten years or whatever. But we're not the oh, we think well, mostly because, like, I haven't been educated enough to pick stocks that might actually pay off high interest. Yeah. But, like, you know, that is a that is a legitimate way of investing as well. But yeah. Mhmm. Mhmm. Yep. So I'll look at I'll look at, like, the annual yearly growth as opposed to, like, monthly or daily, weekly, whatever. Yep. So I'll look at, like, yearly trends. Mhmm. No. Oh, if if if the average is that it grows and there is a period where the market crashes, then I would be buying. If I had the funds, I would be buying. Yep. So I've forgotten what it's called, but we do that thing where we like, regardless whatever happens, we will buy on a regular basis. Yeah. Yep. And yeah. And if there is if, like, I had excess funds and things crashed because of whatever, I'd be like, put extra money in. So yep. I don't look at it. I mean, I if I've ever done the research and I'm like, this is a long term thing, I would just continue to put money into it and just let it do its thing unless, like, unless there was some act of God that crashed the entire financial situation. But, like, we've gone through how many world wars, and that has not happened and whatever. Yeah. So I I I'm I separate, like, the logical and the emotional. And so just by not looking at it, I don't get emotionally attached to it. It just needs to be treated according to numbers. Yes. Mhmm. No. I would not. Yeah. Sorry. Yes. That's different than but but, yeah, it's a bit more tangible. But we have realized that with our way of investing, that owning property is a pain in the butt, which we find annoying, unless there was something that was just kinda like a system of it. It just self takes care of itself in that there is a property manage like, it's just, like, too many unaccountable things of, like, extra fees, extra, like, any period of, like, non labor work, insurances, things that, like, you don't count for plus with the recent changes with property investment and and, like, we would have been fine maybe if we've gotten into it, like, ten years ago or something. But it's just, like, so much extra work. And it's when you look at the numbers, I don't see that it's, like, that much more beneficial than just having shares, which is, like, a lot less work to manage and think about. Yeah. So it's just, like, with the prospecting business, like, research, ongoing management? Yeah. It just it just sounds annoying. Sorry. Mhmm. We would probably like to grow dividends because I I I we try to leverage the snowball effect kind of thing with, like so we try to grow for things that have dividends so that it continues to grow itself over time. Yes. Mhmm. Yep. My understanding is that weathering the volatility for the attractive high interest return, but, like, is that pretty much it, or is there more to the definition of high growth? Yes. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Yeah. That sounds like it aligns with how we wanna invest. Yep. Mhmm. Yep. Yeah. I do, but I I I can Bluetooth while driving if you want to. Yeah. Yep. Yep. Yep. So just give me if you're happy to just hold for a few minutes, I'll just get into the car, and then we can continue the conversation as long as you don't need me to look up anything. Yeah. Alright. I'll just put you on while I just grab my handbag. Okay. Rodney, do you need me? Yep. Perfect. Alright. Yep. Mhmm. Yes. So we're we're an Australian company. We're registered with an ATM. 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we go. Beautiful Ultra Rans. So you got it in 32, one. Good. Thank you.\n\nHow are you, Veronica? That's alright. Mhmm. No. Just making sure that we've optimized what we can and we haven't, like, glaringly missed anything that, like, for some people like, for people in the, I guess, we're in our late thirties now.\n\nShit. We're in our late thirties now. That's it's like, I swear I was just ten thirty. That we're doing what we should be doing. Like, we have a degree of health literacy, but, obviously, it's not our favorite subject.\n\nBut so we do what we can, but it's always good to get, like, advice from someone just to make sure that we're we're doing what we should in terms of setting ourselves up for retirement and, like, just general making sure that we're doing the right things, really. It's just mhmm. Mhmm. Yep. Yep.\n\nMhmm. Yep. Mhmm. Yep. Oh, yes.\n\nI'm happy. And then anything that I I have separate to Alan, I've disclosed to him. Like, he know I think I have my own emergency fund. I have my own set of, like, investments and stuff like that, but he he knows all about it. So, like, talking about that stuff in front of him is perfectly fine.\n\nYes. Yeah. It was really, really good. Actually, yeah. Yeah.\n\nYeah. Yeah. It's like it's, yeah, as it always is. You have, like, the quite positive words. Yeah.\n\nBut he's already planning or he's already thinking about the next one. So I was like, okay. Right. Talent is very important. It has, like, something to look forward to getting through the week.\n\nYes. Yeah. Yep. So I do have to leave at eleven because I've got another appointment. Yep.\n\nBut Yeah. Yeah. I was gonna say and and, like because I have to go to the doctors. That's what the appointment is. But I'll be back in the afternoon.\n\nSo, like, if in the afternoon, like, you wanna pick up where we left off, I'm happy to do that and just get everything done for you. Yep. Yep. No worries. Okay.\n\nMhmm. Mhmm. Yep. No. No idea about the fee structure, but I'm assuming it's gonna be something similar to what Alan's already organized.\n\nYep. Perfect. Right. Okay. Mhmm.\n\nMhmm. Mhmm. Yes. Yep. That sounds good.\n\nMhmm. Employer setup. Because at the time when I said that, I was working for public hospital, and then they used to be called, I think, First Super. And then, yeah, they rebranded, but just mostly through hospital. Mhmm.\n\nNot in terms of, like, other things, but just in general at the moment, just like I've put everything into high growth, so it's pretty much we're not well, we won't we won't be able to take anything out. So it's just trying to grow it and riding at the market as long as possible because we really need to start stabilizing it around the retirement age, but that's pretty much in general the basic kinda like yeah. Yep. No. Honestly, no.\n\nBecause whatever we planned when we first started, you know, starting our investments and thinking about our future, I was still working in corporate. And, obviously, now things have changed a lot. And, also, Alan's income has, like, gone up so much more than what we anticipated that yeah. It's a good thing. But also also with the discussions with Alan, Alan doesn't know if he's ever really going to retire because he he will always be thinking about working in some capacity.\n\nSo with that in mind, like, even if it was, like, part time or something, like, I don't think he really wants to retire as such. And that's the thing is, like, based on conversations now. So he might change his mind and continue. So based on that, like, he was very, very supportive about me not working corporate anymore due to, like, mental health reasons. And so so now we haven't really decided, like like, essentially, when retirement age or even if retirement is gonna be a thing for us.\n\nYeah. Mhmm. Mhmm. Yep. Mhmm.\n\nYeah. Okay. Yep. So to re to her provide that back, so you can take it out at 60. And, like, that's generally the the kind of number that you're working towards when you're doing your plans, and then you're giving your advice.\n\nYep. Mhmm. Yeah. Yep. That's fine.\n\nI think if anything and, obviously, super is locked in until we're 60. But I think what Alan's thinking is that we should aim and wait for younger, which is why we have a separate investment going on. But I guess, like, your advice doesn't really cover those investments. It really covers just mostly the super component of it. Mhmm.\n\nMhmm. Mhmm. We can mostly focus on the base for now and then potentially because it'll be interesting to hear what you say based on, like, my current employment situation with the current amount of money I have in the super at the moment. Mhmm. Mhmm.\n\nYes. So we Al and I did, like, a combined number. Yep. And it's it's been a while since we've looked at the number, but the combined number that we looked at was we said, okay. Well, to be safe, if we say a 100,000 annually and then per year, it's like if we divide it by because our goals would be to travel, essentially, to be able to travel.\n\nAnd so if we said the number is a 100,000, but not all from super, like, it'll be combination of super plus, like, investments, dividends, and stuff. But it's in and and, like, potentially, like, interest from cash or something as well. But all up, 100,000 a year, which is, like, 1,900 a week, and that would be, like, cover everything. Yep. Mhmm.\n\nMhmm. Yep. No. Okay. Yeah.\n\nSorry. Your phone line is a little bit, like, choppy, but I think I got the gist of it. Essentially, there's a questionnaire with multiple choice, and it gives you some idea of, like, how I how we invest or something like that. Yeah. Cool.\n\nMhmm. Yep. Probably a low risk taker. Mhmm. It's it's a balance because, like, I know that, like, it's, like, reflecting in the way because we choose ETFs, and we'd rather do it long term than do, like, risky shares that might pay off quickly, like, might go up in price quickly, but there's also more volatility.\n\nSo we're we're okay with, like, taking our time, but we do want growth. So yeah. Yeah. Yeah. But we're we're okay with, like, weathering volatility, like, with the understanding that or with the like, based on trends, the stock market goes up over a longer period of time.\n\nSo we're we we we will not if there is a zero to volatility, we won't be selling. We'll just hold and ride it out for, like, ten years or whatever. But we're not the oh, we think well, mostly because, like, I haven't been educated enough to pick stocks that might actually pay off high interest. Yeah. But, like, you know, that is a that is a legitimate way of investing as well.\n\nBut yeah. Mhmm. Mhmm. Yep. So I'll look at I'll look at, like, the annual yearly growth as opposed to, like, monthly or daily, weekly, whatever.\n\nYep. So I'll look at, like, yearly trends. Mhmm. No. Oh, if if if the average is that it grows and there is a period where the market crashes, then I would be buying.\n\nIf I had the funds, I would be buying. Yep. So I've forgotten what it's called, but we do that thing where we like, regardless whatever happens, we will buy on a regular basis. Yeah. Yep.\n\nAnd yeah. And if there is if, like, I had excess funds and things crashed because of whatever, I'd be like, put extra money in. So yep. I don't look at it. I mean, I if I've ever done the research and I'm like, this is a long term thing, I would just continue to put money into it and just let it do its thing unless, like, unless there was some act of God that crashed the entire financial situation.\n\nBut, like, we've gone through how many world wars, and that has not happened and whatever. Yeah. So I I I'm I separate, like, the logical and the emotional. And so just by not looking at it, I don't get emotionally attached to it. It just needs to be treated according to numbers.\n\nYes. Mhmm. No. I would not. Yeah.\n\nSorry. Yes. That's different than but but, yeah, it's a bit more tangible. But we have realized that with our way of investing, that owning property is a pain in the butt, which we find annoying, unless there was something that was just kinda like a system of it. It just self takes care of itself in that there is a property manage like, it's just, like, too many unaccountable things of, like, extra fees, extra, like, any period of, like, non labor work, insurances, things that, like, you don't count for plus with the recent changes with property investment and and, like, we would have been fine maybe if we've gotten into it, like, ten years ago or something.\n\nBut it's just, like, so much extra work. And it's when you look at the numbers, I don't see that it's, like, that much more beneficial than just having shares, which is, like, a lot less work to manage and think about. Yeah. So it's just, like, with the prospecting business, like, research, ongoing management? Yeah.\n\nIt just it just sounds annoying. Sorry. Mhmm. We would probably like to grow dividends because I I I we try to leverage the snowball effect kind of thing with, like so we try to grow for things that have dividends so that it continues to grow itself over time. Yes.\n\nMhmm. Yep. My understanding is that weathering the volatility for the attractive high interest return, but, like, is that pretty much it, or is there more to the definition of high growth? Yes. Yep.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nYeah. That sounds like it aligns with how we wanna invest. Yep. Mhmm. Yep.\n\nYeah. I do, but I I I can Bluetooth while driving if you want to. Yeah. Yep. Yep.\n\nYep. So just give me if you're happy to just hold for a few minutes, I'll just get into the car, and then we can continue the conversation as long as you don't need me to look up anything. Yeah. Alright. I'll just put you on while I just grab my handbag.\n\nOkay. Rodney, do you need me? Yep. Perfect. Alright.\n\nYep. Mhmm. Yes. So we're we're an Australian company. We're registered with an ATM.\n\nI own 50% and I own, like at the time that our accountant set it up, is that essentially","paragraphs":[{"sentences":[{"text":"There we go.","start":2.0,"end":2.98,"sentiment":"neutral","sentiment_score":0.07930316030979156},{"text":"Beautiful Ultra Rans.","start":4.0,"end":6.0,"sentiment":"positive","sentiment_score":0.6934282581011454},{"text":"So you got it in 32, one.","start":6.0,"end":7.8599997,"sentiment":"positive","sentiment_score":0.35498920508793425},{"text":"Good.","start":14.305,"end":14.545,"sentiment":"positive","sentiment_score":0.4537228345870972},{"text":"Thank you.","start":14.545,"end":14.945001,"sentiment":"positive","sentiment_score":0.500086098909378}],"sentiment":"positive","sentiment_score":0.39106335770338774,"num_words":16,"start":2.0,"end":14.945001},{"sentences":[{"text":"How are you, Veronica?","start":14.945001,"end":15.925,"sentiment":"neutral","sentiment_score":0.23205965757369995},{"text":"That's alright.","start":22.945,"end":23.765,"sentiment":"neutral","sentiment_score":-0.025512902531772852},{"text":"Mhmm.","start":36.43,"end":36.93,"sentiment":"neutral","sentiment_score":-0.016498692333698273},{"text":"No.","start":36.99,"end":37.49,"sentiment":"neutral","sentiment_score":-0.06041700765490532},{"text":"Just making sure that we've optimized what we can and we haven't, like, glaringly missed anything that, like, for some people like, for people in the, I guess, we're in our late thirties now.","start":57.79,"end":71.485,"sentiment":"neutral","sentiment_score":-0.019214951323674005}],"sentiment":"neutral","sentiment_score":0.003499732862803198,"num_words":42,"start":14.945001,"end":71.485},{"sentences":[{"text":"Shit.","start":71.485,"end":71.885,"sentiment":"neutral","sentiment_score":-0.005629747174680233},{"text":"We're in our late thirties now.","start":71.885,"end":73.325,"sentiment":"neutral","sentiment_score":0.003609717513124148},{"text":"That's it's like, I swear I was just ten thirty.","start":73.325,"end":78.385,"sentiment":"neutral","sentiment_score":-0.005465719534549862},{"text":"That we're doing what we should be doing.","start":80.604996,"end":83.825,"sentiment":"neutral","sentiment_score":0.01645379001274705},{"text":"Like, we have a degree of health literacy, but, obviously, it's not our favorite subject.","start":85.64,"end":91.979996,"sentiment":"neutral","sentiment_score":-0.013354810575644175}],"sentiment":"neutral","sentiment_score":-0.002683011899353005,"num_words":40,"start":71.485,"end":91.979996},{"sentences":[{"text":"But so we do what we can, but it's always good to get, like, advice from someone just to make sure that we're we're doing what we should in terms of setting ourselves up for retirement and, like, just general making sure that we're doing the right things, really.","start":92.28,"end":111.909996,"sentiment":"neutral","sentiment_score":0.13367587153096588},{"text":"It's just mhmm.","start":112.049995,"end":114.31,"sentiment":"neutral","sentiment_score":0.1408390204111735},{"text":"Mhmm.","start":120.369995,"end":120.77,"sentiment":"neutral","sentiment_score":0.04633531719446182},{"text":"Yep.","start":120.77,"end":121.27,"sentiment":"neutral","sentiment_score":0.060838744044303894},{"text":"Yep.","start":137.715,"end":138.215,"sentiment":"neutral","sentiment_score":0.03217726945877075}],"sentiment":"neutral","sentiment_score":0.12930883812633429,"num_words":55,"start":92.28,"end":138.215},{"sentences":[{"text":"Mhmm.","start":138.275,"end":138.775,"sentiment":"neutral","sentiment_score":0.04342006519436836},{"text":"Yep.","start":144.93001,"end":145.33,"sentiment":"neutral","sentiment_score":0.17715641856193542},{"text":"Mhmm.","start":145.33,"end":145.83,"sentiment":"neutral","sentiment_score":0.040931545197963715},{"text":"Yep.","start":147.01001,"end":147.51001,"sentiment":"neutral","sentiment_score":0.01830720528960228},{"text":"Oh, yes.","start":149.33,"end":149.99,"sentiment":"neutral","sentiment_score":0.23445159196853638}],"sentiment":"neutral","sentiment_score":0.12478640303015709,"num_words":6,"start":138.275,"end":149.99},{"sentences":[{"text":"I'm happy.","start":150.21,"end":150.87001,"sentiment":"positive","sentiment_score":0.5244349837303162},{"text":"And then anything that I I have separate to Alan, I've disclosed to him.","start":151.17,"end":155.57,"sentiment":"neutral","sentiment_score":0.05520219236080136},{"text":"Like, he know I think I have my own emergency fund.","start":155.57,"end":158.39,"sentiment":"neutral","sentiment_score":0.038135028020902115},{"text":"I have my own set of, like, investments and stuff like that, but he he knows all about it.","start":158.475,"end":162.79501,"sentiment":"neutral","sentiment_score":0.07885192746394559},{"text":"So, like, talking about that stuff in front of him is perfectly fine.","start":162.79501,"end":166.655,"sentiment":"neutral","sentiment_score":0.3013702522103603}],"sentiment":"neutral","sentiment_score":0.12978281134392244,"num_words":59,"start":150.21,"end":166.655},{"sentences":[{"text":"Yes.","start":175.62,"end":175.86,"sentiment":"neutral","sentiment_score":0.16918660700321198},{"text":"Yeah.","start":175.86,"end":176.1,"sentiment":"neutral","sentiment_score":0.27399003505706787},{"text":"It was really, really good.","start":176.1,"end":177.64,"sentiment":"positive","sentiment_score":0.543527615070343},{"text":"Actually, yeah.","start":177.7,"end":178.76,"sentiment":"positive","sentiment_score":0.36947527527809143},{"text":"Yeah.","start":180.26,"end":180.76,"sentiment":"neutral","sentiment_score":0.227507084608078}],"sentiment":"positive","sentiment_score":0.41272723525762556,"num_words":10,"start":175.62,"end":180.76},{"sentences":[{"text":"Yeah.","start":182.9,"end":183.14,"sentiment":"neutral","sentiment_score":0.20857061445713043},{"text":"Yeah.","start":183.14,"end":183.64,"sentiment":"neutral","sentiment_score":0.2584291100502014},{"text":"It's like it's, yeah, as it always is.","start":183.7,"end":186.455,"sentiment":"positive","sentiment_score":0.38277461007237434},{"text":"You have, like, the quite positive words.","start":186.455,"end":188.235,"sentiment":"positive","sentiment_score":0.43201989361218046},{"text":"Yeah.","start":188.295,"end":188.795,"sentiment":"neutral","sentiment_score":0.20774850249290464}],"sentiment":"positive","sentiment_score":0.37561579793691635,"num_words":18,"start":182.9,"end":188.795},{"sentences":[{"text":"But he's already planning or he's already thinking about the next one.","start":189.815,"end":193.575,"sentiment":"neutral","sentiment_score":0.14515031998356184},{"text":"So I was like, okay.","start":193.575,"end":194.535,"sentiment":"neutral","sentiment_score":0.17430314123630525},{"text":"Right.","start":194.535,"end":195.035,"sentiment":"neutral","sentiment_score":0.2110646665096283},{"text":"Talent is very important.","start":196.615,"end":197.815,"sentiment":"neutral","sentiment_score":0.2932691350579262},{"text":"It has, like, something to look forward to getting through the week.","start":197.815,"end":200.94,"sentiment":"neutral","sentiment_score":0.23968620225787163}],"sentiment":"neutral","sentiment_score":0.20216750528882532,"num_words":34,"start":189.815,"end":200.94},{"sentences":[{"text":"Yes.","start":210.54001,"end":211.04001,"sentiment":"neutral","sentiment_score":0.010286743752658367},{"text":"Yeah.","start":211.58,"end":212.08,"sentiment":"neutral","sentiment_score":-0.0011203400790691376},{"text":"Yep.","start":214.565,"end":215.065,"sentiment":"neutral","sentiment_score":-0.0033655043225735426},{"text":"So I do have to leave at eleven because I've got another appointment.","start":216.325,"end":219.305,"sentiment":"neutral","sentiment_score":-0.05139568534034949},{"text":"Yep.","start":221.685,"end":222.185,"sentiment":"neutral","sentiment_score":0.019609060138463977}],"sentiment":"neutral","sentiment_score":-0.03780787940794492,"num_words":17,"start":210.54001,"end":222.185},{"sentences":[{"text":"But Yeah.","start":222.245,"end":233.44,"sentiment":"neutral","sentiment_score":0.13731298595666885},{"text":"Yeah.","start":233.58,"end":234.08,"sentiment":"neutral","sentiment_score":0.2691534757614136},{"text":"I was gonna say and and, like because I have to go to the doctors.","start":234.38,"end":237.42,"sentiment":"neutral","sentiment_score":0.10115483204523722},{"text":"That's what the appointment is.","start":237.42,"end":238.62001,"sentiment":"neutral","sentiment_score":0.1844891130924225},{"text":"But I'll be back in the afternoon.","start":238.62001,"end":240.08,"sentiment":"neutral","sentiment_score":0.2652423764978136}],"sentiment":"neutral","sentiment_score":0.1613414709766706,"num_words":30,"start":222.245,"end":240.08},{"sentences":[{"text":"So, like, if in the afternoon, like, you wanna pick up where we left off, I'm happy to do that and just get everything done for you.","start":240.46,"end":249.025,"sentiment":"positive","sentiment_score":0.5365146961477067},{"text":"Yep.","start":251.08499,"end":251.58499,"sentiment":"positive","sentiment_score":0.39540550112724304},{"text":"Yep.","start":253.64499,"end":254.045,"sentiment":"neutral","sentiment_score":0.2161668986082077},{"text":"No worries.","start":254.045,"end":254.44499,"sentiment":"neutral","sentiment_score":0.24981726706027985},{"text":"Okay.","start":254.44499,"end":254.94499,"sentiment":"neutral","sentiment_score":0.26836246252059937}],"sentiment":"positive","sentiment_score":0.49579581851139665,"num_words":32,"start":240.46,"end":254.94499},{"sentences":[{"text":"Mhmm.","start":267.93,"end":268.09,"sentiment":"neutral","sentiment_score":0.08180603384971619},{"text":"Mhmm.","start":268.09,"end":268.25,"sentiment":"neutral","sentiment_score":0.04802726581692696},{"text":"Yep.","start":268.25,"end":268.75,"sentiment":"neutral","sentiment_score":0.0673888772726059},{"text":"No.","start":274.845,"end":275.345,"sentiment":"neutral","sentiment_score":-0.007074693217873573},{"text":"No idea about the fee structure, but I'm assuming it's gonna be something similar to what Alan's already 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sounds good.","start":347.00998,"end":347.99,"sentiment":"positive","sentiment_score":0.6431730389595032}],"sentiment":"neutral","sentiment_score":0.30657776285495075,"num_words":7,"start":327.12,"end":347.99},{"sentences":[{"text":"Mhmm.","start":354.37,"end":354.87,"sentiment":"neutral","sentiment_score":0.07802361249923706},{"text":"Employer setup.","start":365.375,"end":366.335,"sentiment":"neutral","sentiment_score":0.0032524866983294487},{"text":"Because at the time when I said that, I was working for public hospital, and then they used to be called, I think, First Super.","start":366.335,"end":372.02,"sentiment":"neutral","sentiment_score":0.007263899929821491},{"text":"And then, yeah, they rebranded, but just mostly through 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gone up so much more than what we anticipated that yeah.","start":450.265,"end":459.06,"sentiment":"positive","sentiment_score":0.4754909978193395},{"text":"It's a good thing.","start":459.12003,"end":459.92,"sentiment":"positive","sentiment_score":0.6632851660251617},{"text":"But also also with the discussions with Alan, Alan doesn't know if he's ever really going to retire because he he will always be thinking about working in some capacity.","start":459.92,"end":472.925,"sentiment":"neutral","sentiment_score":-0.023434986422459284}],"sentiment":"neutral","sentiment_score":0.1120990560535925,"num_words":83,"start":435.86502,"end":472.925},{"sentences":[{"text":"So with that in mind, like, even if it was, like, part time or something, like, I don't think he really wants to retire as such.","start":473.705,"end":481.98,"sentiment":"neutral","sentiment_score":-0.03053090814501047},{"text":"And that's the thing is, like, based on conversations now.","start":482.52002,"end":485.08002,"sentiment":"neutral","sentiment_score":0.09602068811655044},{"text":"So he might change his mind and continue.","start":485.08002,"end":486.92,"sentiment":"neutral","sentiment_score":0.05845509376376867},{"text":"So based on that, like, he was very, very supportive about me not working corporate anymore due to, like, mental health reasons.","start":486.92,"end":496.57498,"sentiment":"neutral","sentiment_score":0.08991039273413745},{"text":"And so so now we haven't really decided, like like, essentially, when retirement age or even if retirement is gonna be a thing for 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to re to her provide that back, so you can take it out at 60.","start":554.59503,"end":558.055,"sentiment":"neutral","sentiment_score":-0.03285491117276251},{"text":"And, like, that's generally the the kind of number that you're working towards when you're doing your plans, and then you're giving your advice.","start":559.875,"end":566.87,"sentiment":"neutral","sentiment_score":0.22656074290474257}],"sentiment":"neutral","sentiment_score":0.11510119649993125,"num_words":43,"start":553.155,"end":566.87},{"sentences":[{"text":"Yep.","start":566.87,"end":567.37,"sentiment":"neutral","sentiment_score":0.22061139345169067},{"text":"Mhmm.","start":581.805,"end":582.305,"sentiment":"neutral","sentiment_score":-0.017223767936229706},{"text":"Yeah.","start":593.77,"end":594.17,"sentiment":"neutral","sentiment_score":0.14948029816150665},{"text":"Yep.","start":594.17,"end":594.49,"sentiment":"neutral","sentiment_score":0.14668792486190796},{"text":"That's fine.","start":594.49,"end":595.31,"sentiment":"neutral","sentiment_score":0.24185144901275635}],"sentiment":"neutral","sentiment_score":0.16387645776073137,"num_words":6,"start":566.87,"end":595.31},{"sentences":[{"text":"I think if anything and, obviously, super is locked in until we're 60.","start":595.37,"end":600.97,"sentiment":"neutral","sentiment_score":0.06250913699085896},{"text":"But I think what Alan's thinking is that we should aim and wait for younger, which is why we have a separate investment going on.","start":600.97,"end":610.765,"sentiment":"neutral","sentiment_score":0.08453381359577179},{"text":"But I guess, like, your advice doesn't really cover those investments.","start":610.90497,"end":614.105,"sentiment":"neutral","sentiment_score":-0.010115629908713427},{"text":"It really covers just mostly the super component of it.","start":614.105,"end":617.485,"sentiment":"neutral","sentiment_score":0.09546935334801673},{"text":"Mhmm.","start":623.46497,"end":623.96497,"sentiment":"neutral","sentiment_score":0.1950329840183258}],"sentiment":"neutral","sentiment_score":0.06607364515463511,"num_words":60,"start":595.37,"end":623.96497},{"sentences":[{"text":"Mhmm.","start":635.93005,"end":636.43005,"sentiment":"neutral","sentiment_score":0.11296357959508896},{"text":"Mhmm.","start":656.14,"end":656.64,"sentiment":"neutral","sentiment_score":0.08939462900161743},{"text":"We can mostly focus on the base for now and then potentially because it'll be interesting to hear what you say based on, like, my current employment situation with the current amount of money I have in the super at the moment.","start":670.845,"end":684.42004,"sentiment":"neutral","sentiment_score":0.049074193285334675},{"text":"Mhmm.","start":685.92004,"end":686.42004,"sentiment":"neutral","sentiment_score":0.17135049402713776},{"text":"Mhmm.","start":688.16003,"end":688.66003,"sentiment":"neutral","sentiment_score":0.04045821726322174}],"sentiment":"neutral","sentiment_score":0.05381050082328527,"num_words":46,"start":635.93005,"end":688.66003},{"sentences":[{"text":"Yes.","start":711.33,"end":711.83,"sentiment":"neutral","sentiment_score":0.026255305856466293},{"text":"So we Al and I did, like, a combined number.","start":715.09,"end":720.865,"sentiment":"neutral","sentiment_score":0.03421665523201227},{"text":"Yep.","start":722.845,"end":723.325,"sentiment":"neutral","sentiment_score":0.1300436705350876},{"text":"And it's it's been a while since we've looked at the number, but the combined number that we looked at was we said, okay.","start":723.325,"end":730.68,"sentiment":"neutral","sentiment_score":0.05389769196820756},{"text":"Well, to be safe, if we say a 100,000 annually and then per year, it's like if we divide it by because our goals would be to travel, essentially, to be able to travel.","start":730.68,"end":743.675,"sentiment":"neutral","sentiment_score":0.09803100017940297}],"sentiment":"neutral","sentiment_score":0.07321520202926227,"num_words":70,"start":711.33,"end":743.675},{"sentences":[{"text":"And so if we said the number is a 100,000, but not all from super, like, it'll be combination of super plus, like, investments, dividends, and stuff.","start":744.615,"end":754.155,"sentiment":"neutral","sentiment_score":0.0703533389778049},{"text":"But it's in and and, like, potentially, like, interest from cash or something as well.","start":754.53503,"end":761.02,"sentiment":"neutral","sentiment_score":0.0855420599381129},{"text":"But all up, 100,000 a year, which is, like, 1,900 a week, and that would be, like, cover everything.","start":761.02,"end":768.96,"sentiment":"neutral","sentiment_score":0.18799674158033572},{"text":"Yep.","start":773.815,"end":774.315,"sentiment":"positive","sentiment_score":0.41295093297958374},{"text":"Mhmm.","start":779.495,"end":779.995,"sentiment":"neutral","sentiment_score":-0.02875286526978016}],"sentiment":"neutral","sentiment_score":0.11331440014616838,"num_words":63,"start":744.615,"end":779.995},{"sentences":[{"text":"Mhmm.","start":802.665,"end":803.165,"sentiment":"positive","sentiment_score":0.3844192624092102},{"text":"Yep.","start":809.5425,"end":810.0425,"sentiment":"neutral","sentiment_score":0.12444262206554411},{"text":"No.","start":823.62,"end":824.12,"sentiment":"neutral","sentiment_score":-0.08459923416376114},{"text":"Okay.","start":840.855,"end":841.355,"sentiment":"neutral","sentiment_score":0.003523675724864006},{"text":"Yeah.","start":850.24,"end":850.74,"sentiment":"neutral","sentiment_score":0.13080358505249023}],"sentiment":"neutral","sentiment_score":0.11171798221766949,"num_words":5,"start":802.665,"end":850.74},{"sentences":[{"text":"Sorry.","start":850.88,"end":851.27997,"sentiment":"neutral","sentiment_score":0.10332848876714706},{"text":"Your phone line is a little bit, like, choppy, but I think I got the gist of it.","start":851.27997,"end":855.04,"sentiment":"neutral","sentiment_score":0.18718637029329935},{"text":"Essentially, there's a questionnaire with multiple choice, and it gives you some idea of, like, how I how we invest or something like that.","start":855.04,"end":863.22504,"sentiment":"neutral","sentiment_score":0.16253909406562647},{"text":"Yeah.","start":864.48505,"end":864.72504,"sentiment":"neutral","sentiment_score":0.26724371314048767},{"text":"Cool.","start":864.72504,"end":865.205,"sentiment":"positive","sentiment_score":0.37438833713531494}],"sentiment":"neutral","sentiment_score":0.1781167435977194,"num_words":45,"start":850.88,"end":865.205},{"sentences":[{"text":"Mhmm.","start":865.205,"end":865.705,"sentiment":"neutral","sentiment_score":0.11349475383758544},{"text":"Yep.","start":870.0,"end":870.5,"sentiment":"neutral","sentiment_score":0.11757206916809082},{"text":"Probably a low risk taker.","start":884.445,"end":886.46497,"sentiment":"neutral","sentiment_score":0.05770570263266563},{"text":"Mhmm.","start":889.005,"end":889.505,"sentiment":"neutral","sentiment_score":0.1070365458726883},{"text":"It's it's a balance because, like, I know that, like, it's, like, reflecting in the way because we choose ETFs, and we'd rather do it long term than do, like, risky shares that might pay off quickly, like, might go up in price quickly, but there's also more volatility.","start":891.165,"end":911.43,"sentiment":"neutral","sentiment_score":0.11880946233013302}],"sentiment":"neutral","sentiment_score":0.11312799186347738,"num_words":57,"start":865.205,"end":911.43},{"sentences":[{"text":"So we're we're okay with, like, taking our time, but we do want growth.","start":912.185,"end":916.985,"sentiment":"neutral","sentiment_score":0.21779975880469596},{"text":"So yeah.","start":916.985,"end":919.805,"sentiment":"neutral","sentiment_score":0.290350504219532},{"text":"Yeah.","start":930.45996,"end":930.95996,"sentiment":"neutral","sentiment_score":0.05559142678976059},{"text":"Yeah.","start":937.995,"end":938.315,"sentiment":"neutral","sentiment_score":0.08024010062217712},{"text":"But we're we're okay with, like, weathering volatility, like, with the understanding that or with the like, based on trends, the stock market goes up over a longer period of time.","start":938.315,"end":949.89,"sentiment":"neutral","sentiment_score":0.09442262363529974}],"sentiment":"neutral","sentiment_score":0.13658837738389873,"num_words":49,"start":912.185,"end":949.89},{"sentences":[{"text":"So we're we we we will not if there is a zero to volatility, we won't be selling.","start":950.13,"end":955.81,"sentiment":"neutral","sentiment_score":-0.0031854533072974947},{"text":"We'll just hold and ride it out for, like, ten years or whatever.","start":955.81,"end":959.03,"sentiment":"neutral","sentiment_score":0.040198073274670884},{"text":"But we're not the oh, we think well, mostly because, like, I haven't been educated enough to pick stocks that might actually pay off high interest.","start":959.97003,"end":968.935,"sentiment":"neutral","sentiment_score":-0.017523772441423856},{"text":"Yeah.","start":970.675,"end":971.15497,"sentiment":"neutral","sentiment_score":0.148759126663208},{"text":"But, like, you know, that is a that is a legitimate way of investing as well.","start":971.15497,"end":975.15497,"sentiment":"neutral","sentiment_score":0.1837172107771039}],"sentiment":"neutral","sentiment_score":0.04186288119809752,"num_words":74,"start":950.13,"end":975.15497},{"sentences":[{"text":"But yeah.","start":975.15497,"end":976.695,"sentiment":"neutral","sentiment_score":0.14368510246276853},{"text":"Mhmm.","start":1000.65497,"end":1001.095,"sentiment":"neutral","sentiment_score":0.0007436275482177734},{"text":"Mhmm.","start":1001.095,"end":1001.535,"sentiment":"neutral","sentiment_score":-0.0053535038605332375},{"text":"Yep.","start":1001.535,"end":1002.035,"sentiment":"neutral","sentiment_score":-0.01328715868294239},{"text":"So I'll look at I'll look at, like, the annual yearly growth as opposed to, like, monthly or daily, weekly, whatever.","start":1002.495,"end":1011.42,"sentiment":"neutral","sentiment_score":0.013683992681936138}],"sentiment":"neutral","sentiment_score":0.021416808317343775,"num_words":26,"start":975.15497,"end":1011.42},{"sentences":[{"text":"Yep.","start":1011.64,"end":1012.14,"sentiment":"neutral","sentiment_score":0.06016942113637924},{"text":"So I'll look at, like, yearly trends.","start":1012.44,"end":1014.06,"sentiment":"neutral","sentiment_score":0.05044411761420114},{"text":"Mhmm.","start":1016.68,"end":1017.18,"sentiment":"neutral","sentiment_score":0.19744950532913208},{"text":"No.","start":1041.4501,"end":1041.9501,"sentiment":"neutral","sentiment_score":-0.07416514307260513},{"text":"Oh, if if if the average is that it grows and there is a period where the market crashes, then I would be buying.","start":1042.65,"end":1052.225,"sentiment":"neutral","sentiment_score":-0.03660678118467331}],"sentiment":"neutral","sentiment_score":-0.010058827698230743,"num_words":34,"start":1011.64,"end":1052.225},{"sentences":[{"text":"If I had the funds, I would be buying.","start":1052.225,"end":1054.005,"sentiment":"neutral","sentiment_score":0.04242135242869457},{"text":"Yep.","start":1054.3049,"end":1054.8049,"sentiment":"neutral","sentiment_score":0.2427270859479904},{"text":"So I've forgotten what it's called, but we do that thing where we like, regardless whatever happens, we will buy on a regular basis.","start":1062.44,"end":1068.86,"sentiment":"neutral","sentiment_score":0.030649875470165473},{"text":"Yeah.","start":1071.24,"end":1071.64,"sentiment":"neutral","sentiment_score":0.017874304205179214},{"text":"Yep.","start":1071.64,"end":1072.125,"sentiment":"neutral","sentiment_score":0.03874795138835907}],"sentiment":"neutral","sentiment_score":0.039353847907881975,"num_words":36,"start":1052.225,"end":1072.125},{"sentences":[{"text":"And yeah.","start":1073.165,"end":1074.125,"sentiment":"neutral","sentiment_score":0.01686232490465045},{"text":"And if there is if, like, I had excess funds and things crashed because of whatever, I'd be like, put extra money in.","start":1074.125,"end":1081.665,"sentiment":"neutral","sentiment_score":-0.08903781956304675},{"text":"So yep.","start":1082.365,"end":1084.465,"sentiment":"neutral","sentiment_score":0.12137648463249207},{"text":"I don't look at it.","start":1105.235,"end":1106.3551,"sentiment":"neutral","sentiment_score":-0.1464684009552002},{"text":"I mean, I if I've ever done the research and I'm like, this is a long term thing, I would just continue to put money into it and just let it do its thing unless, like, unless there was some act of God that crashed the entire financial situation.","start":1106.3551,"end":1123.31,"sentiment":"neutral","sentiment_score":-0.07822443712122586}],"sentiment":"neutral","sentiment_score":-0.07823125499496121,"num_words":81,"start":1073.165,"end":1123.31},{"sentences":[{"text":"But, like, we've gone through how many world wars, and that has not happened and whatever.","start":1123.85,"end":1129.53,"sentiment":"neutral","sentiment_score":-0.12878552312031388},{"text":"Yeah.","start":1129.53,"end":1129.93,"sentiment":"neutral","sentiment_score":-0.0042758965864777565},{"text":"So I I I'm I separate, like, the logical and the emotional.","start":1129.93,"end":1137.265,"sentiment":"neutral","sentiment_score":-0.03015943445886175},{"text":"And so just by not looking at it, I don't get emotionally attached to it.","start":1137.265,"end":1140.785,"sentiment":"neutral","sentiment_score":-0.10485902652144433},{"text":"It just needs to be treated according to numbers.","start":1140.785,"end":1143.765,"sentiment":"neutral","sentiment_score":-0.03861902985307905}],"sentiment":"neutral","sentiment_score":-0.08202290842485316,"num_words":53,"start":1123.85,"end":1143.765},{"sentences":[{"text":"Yes.","start":1157.0499,"end":1157.5499,"sentiment":"positive","sentiment_score":0.4960765242576599},{"text":"Mhmm.","start":1171.5449,"end":1171.945,"sentiment":"neutral","sentiment_score":-0.015185191296041012},{"text":"No.","start":1171.945,"end":1172.265,"sentiment":"neutral","sentiment_score":-0.08290204405784607},{"text":"I would not.","start":1172.265,"end":1173.1649,"sentiment":"neutral","sentiment_score":-0.1093918705979983},{"text":"Yeah.","start":1175.4601,"end":1175.9601,"sentiment":"neutral","sentiment_score":-0.0858343094587326}],"sentiment":"neutral","sentiment_score":-0.0022886617641363826,"num_words":7,"start":1157.0499,"end":1175.9601},{"sentences":[{"text":"Sorry.","start":1176.02,"end":1176.52,"sentiment":"neutral","sentiment_score":-0.11004185676574708},{"text":"Yes.","start":1182.66,"end":1183.06,"sentiment":"neutral","sentiment_score":-0.0071496181190013885},{"text":"That's different than but but, yeah, it's a bit more tangible.","start":1183.06,"end":1191.085,"sentiment":"neutral","sentiment_score":-0.07159073024310848},{"text":"But we have realized that with our way of investing, that owning property is a pain in the butt, which we find annoying, unless there was something that was just kinda like a system of it.","start":1191.225,"end":1209.34,"sentiment":"negative","sentiment_score":-0.3614125678108798},{"text":"It just self takes care of itself in that there is a property manage like, it's just, like, too many unaccountable things of, like, extra fees, extra, like, any period of, like, non labor work, insurances, things that, like, you don't count for plus with the recent changes with property investment and and, like, we would have been fine maybe if we've gotten into it, like, ten years ago or something.","start":1209.34,"end":1237.38,"sentiment":"neutral","sentiment_score":-0.11906980943511909}],"sentiment":"neutral","sentiment_score":-0.18641248682203393,"num_words":120,"start":1176.02,"end":1237.38},{"sentences":[{"text":"But it's just, like, so much extra work.","start":1238.24,"end":1241.62,"sentiment":"neutral","sentiment_score":-0.15668960567563772},{"text":"And it's when you look at the numbers, I don't see that it's, like, that much more beneficial than just having shares, which is, like, a lot less work to manage and think about.","start":1242.64,"end":1256.5851,"sentiment":"neutral","sentiment_score":0.015407245606184006},{"text":"Yeah.","start":1257.685,"end":1258.185,"sentiment":"neutral","sentiment_score":0.041418299078941345},{"text":"So it's just, like, with the prospecting business, like, research, ongoing management?","start":1258.245,"end":1262.7101,"sentiment":"neutral","sentiment_score":0.06923125653217237},{"text":"Yeah.","start":1265.25,"end":1265.65,"sentiment":"neutral","sentiment_score":-0.11537264287471773}],"sentiment":"neutral","sentiment_score":0.0004848257106329711,"num_words":56,"start":1238.24,"end":1265.65},{"sentences":[{"text":"It just it just sounds annoying.","start":1265.65,"end":1267.3501,"sentiment":"neutral","sentiment_score":-0.2763594488302867},{"text":"Sorry.","start":1267.65,"end":1268.15,"sentiment":"neutral","sentiment_score":-0.3273172378540039},{"text":"Mhmm.","start":1274.6901,"end":1275.1901,"sentiment":"neutral","sentiment_score":0.03053562343120575},{"text":"We would probably like to grow dividends because I I I we try to leverage the snowball effect kind of thing with, like so we try to grow for things that have dividends so that it continues to grow itself over time.","start":1300.05,"end":1317.95,"sentiment":"neutral","sentiment_score":0.20232903567098437},{"text":"Yes.","start":1320.09,"end":1320.59,"sentiment":"neutral","sentiment_score":0.09311622381210329}],"sentiment":"neutral","sentiment_score":0.1301175963644888,"num_words":51,"start":1265.65,"end":1320.59},{"sentences":[{"text":"Mhmm.","start":1327.935,"end":1328.435,"sentiment":"neutral","sentiment_score":0.10961470007896423},{"text":"Yep.","start":1334.1075,"end":1334.6075,"sentiment":"neutral","sentiment_score":0.17671309411525726},{"text":"My understanding is that weathering the volatility for the attractive high interest return, but, like, is that pretty much it, or is there more to the definition of high growth?","start":1355.655,"end":1371.09,"sentiment":"neutral","sentiment_score":0.05488697911302249},{"text":"Yes.","start":1371.09,"end":1371.59,"sentiment":"neutral","sentiment_score":0.09409856051206587},{"text":"Yep.","start":1378.61,"end":1379.11,"sentiment":"neutral","sentiment_score":0.006565161515027285}],"sentiment":"neutral","sentiment_score":0.05981179087094086,"num_words":34,"start":1327.935,"end":1379.11},{"sentences":[{"text":"Mhmm.","start":1404.3201,"end":1404.8201,"sentiment":"neutral","sentiment_score":0.11393477022647858},{"text":"Yep.","start":1417.795,"end":1418.295,"sentiment":"neutral","sentiment_score":0.27177149057388306},{"text":"Mhmm.","start":1429.94,"end":1430.44,"sentiment":"neutral","sentiment_score":0.08555132895708084},{"text":"Mhmm.","start":1435.265,"end":1435.765,"sentiment":"neutral","sentiment_score":0.05877284333109856},{"text":"Yep.","start":1435.825,"end":1436.325,"sentiment":"neutral","sentiment_score":0.11877910792827606}],"sentiment":"neutral","sentiment_score":0.12976190820336342,"num_words":5,"start":1404.3201,"end":1436.325},{"sentences":[{"text":"Yeah.","start":1441.185,"end":1441.665,"sentiment":"neutral","sentiment_score":0.1882395297288895},{"text":"That sounds like it aligns with how we wanna invest.","start":1441.665,"end":1444.465,"sentiment":"neutral","sentiment_score":0.2436157152056694},{"text":"Yep.","start":1444.465,"end":1444.89,"sentiment":"neutral","sentiment_score":0.15595325827598572},{"text":"Mhmm.","start":1462.685,"end":1463.185,"sentiment":"neutral","sentiment_score":-0.00645015574991703},{"text":"Yep.","start":1463.885,"end":1464.385,"sentiment":"neutral","sentiment_score":0.05613686144351959}],"sentiment":"neutral","sentiment_score":0.20214547469679797,"num_words":14,"start":1441.185,"end":1464.385},{"sentences":[{"text":"Yeah.","start":1473.57,"end":1473.73,"sentiment":"neutral","sentiment_score":0.032883886247873306},{"text":"I do, but I I I can Bluetooth while driving if you want to.","start":1473.73,"end":1479.67,"sentiment":"neutral","sentiment_score":0.039129224339766164},{"text":"Yeah.","start":1483.09,"end":1483.33,"sentiment":"neutral","sentiment_score":0.1051720678806305},{"text":"Yep.","start":1483.33,"end":1483.83,"sentiment":"neutral","sentiment_score":0.1316724419593811},{"text":"Yep.","start":1484.69,"end":1485.19,"sentiment":"neutral","sentiment_score":0.1457153856754303}],"sentiment":"neutral","sentiment_score":0.053514051251113415,"num_words":18,"start":1473.57,"end":1485.19},{"sentences":[{"text":"Yep.","start":1486.1549,"end":1486.6549,"sentiment":"neutral","sentiment_score":0.06174107640981674},{"text":"So just give me if you're happy to just hold for a few minutes, I'll just get into the car, and then we can continue the conversation as long as you don't need me to look up anything.","start":1486.715,"end":1495.7749,"sentiment":"neutral","sentiment_score":0.05648815847541157},{"text":"Yeah.","start":1499.2749,"end":1499.67,"sentiment":"neutral","sentiment_score":0.13821843266487122},{"text":"Alright.","start":1502.0701,"end":1502.31,"sentiment":"neutral","sentiment_score":0.12667161226272583},{"text":"I'll just put you on while I just grab my handbag.","start":1502.31,"end":1505.37,"sentiment":"neutral","sentiment_score":0.08246765387329189}],"sentiment":"neutral","sentiment_score":0.06500625646171662,"num_words":52,"start":1486.1549,"end":1505.37},{"sentences":[{"text":"Okay.","start":1695.99,"end":1696.49,"sentiment":"neutral","sentiment_score":0.034468874335289},{"text":"Rodney, do you need me?","start":1696.9501,"end":1698.17,"sentiment":"neutral","sentiment_score":-0.0011694576591253282},{"text":"Yep.","start":1699.99,"end":1700.39,"sentiment":"neutral","sentiment_score":0.04280712455511093},{"text":"Perfect.","start":1700.39,"end":1700.89,"sentiment":"positive","sentiment_score":0.45272448658943176},{"text":"Alright.","start":1701.27,"end":1701.77,"sentiment":"positive","sentiment_score":0.3673417270183563}],"sentiment":"neutral","sentiment_score":0.09905499157806237,"num_words":9,"start":1695.99,"end":1701.77},{"sentences":[{"text":"Yep.","start":1709.365,"end":1709.865,"sentiment":"neutral","sentiment_score":0.10981209576129912},{"text":"Mhmm.","start":1714.9651,"end":1715.4651,"sentiment":"neutral","sentiment_score":0.0018048211932182312},{"text":"Yes.","start":1719.8099,"end":1720.3099,"sentiment":"neutral","sentiment_score":0.02231958694756031},{"text":"So we're we're an Australian company.","start":1720.5299,"end":1722.77,"sentiment":"neutral","sentiment_score":0.021643697905043762},{"text":"We're registered with an ATM.","start":1722.77,"end":1724.47,"sentiment":"neutral","sentiment_score":0.06619838550686837}],"sentiment":"neutral","sentiment_score":0.042485044204763005,"num_words":14,"start":1709.365,"end":1724.47},{"sentences":[{"text":"I own 50% and I own, like at the time that our accountant set it up, is that essentially","start":1725.89,"end":1731.11,"sentiment":"neutral","sentiment_score":-0.021951065153667803}],"sentiment":"neutral","sentiment_score":-0.021951065153667803,"num_words":19,"start":1725.89,"end":1731.11}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: There we go.\n\nChannel 0: Yes. You.\n\nChannel 1: Beautiful Ultra Rans. So you got it in 32, one.\n\nChannel 0: Good morning, Quinn. I am Veronica. How are you today?\n\nChannel 1: Good. Thank you. How are you, Veronica?\n\nChannel 0: Yeah. I'm good. Thank you. Sorry about the disconnect on the phone. Don't know what happened there.\n\nSometimes, like,\n\nChannel 1: That's\n\nChannel 0: technology.\n\nChannel 1: alright.\n\nChannel 0: You know? Now I am one of the financial sciences here at ACU, and I understand that you're interested in getting some financial advice. Have you ever worked with a adviser before?\n\nChannel 1: Mhmm. No.\n\nChannel 0: No. And I guess the main reason why you do want to have a look at some advice today, I know, obviously, I have spoken to your partner, Alan, but from your point of view, is it mainly to kind of review your due graduation, or what kind of, I guess, prompted you to have a bit of a chat today?\n\nChannel 1: Just making sure that we've optimized what we can and we haven't, like, glaringly missed anything that, like,\n\nChannel 0: Mhmm.\n\nChannel 1: for some people like, for people in the, I guess, we're in our late thirties now. Shit. We're in our late thirties now. That's\n\nChannel 0: Right?\n\nChannel 1: it's like, I swear I was just ten thirty. That we're doing what we should be doing. Like, we have a degree of\n\nChannel 0: Yep.\n\nChannel 1: health literacy, but, obviously, it's not our favorite subject. But\n\nChannel 0: Yeah.\n\nChannel 1: so we do what we can, but it's\n\nChannel 0: Yep.\n\nChannel 1: always good to get, like, advice from someone just to make sure that we're we're doing what we should in terms of setting ourselves\n\nChannel 0: Yep.\n\nChannel 1: up for retirement and, like, just general making sure that we're doing the right things, really.\n\nChannel 0: Yeah.\n\nChannel 1: It's just\n\nChannel 0: And\n\nChannel 1: mhmm.\n\nChannel 0: bit of a check-in, and and that totally makes sense. So that kind of aligns with what Alan said as well.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now when I spoke to him as well, he mentioned that he was quite interested in doing, like, a double one. So, obviously, after the call today, I will go and do some research, put together a strategy. But because I'm also looking at making a recommendation for himself, he mentioned\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: to to do it together. So you guys obviously can if you're working on everything together as a couple, are you happy\n\nChannel 1: Yep.\n\nChannel 0: with\n\nChannel 1: Mhmm.\n\nChannel 0: that as well, or would you like to do\n\nChannel 1: Yep.\n\nChannel 0: your separate, not happy together?\n\nChannel 1: Oh, yes. I'm happy.\n\nChannel 0: Yep.\n\nChannel 1: And then anything that I I have separate to Alan, I've disclosed to him. Like, he know I think I\n\nChannel 0: Yep.\n\nChannel 1: have\n\nChannel 0: Okay.\n\nChannel 1: my own emergency fund. I have my own\n\nChannel 0: Yep.\n\nChannel 1: set of, like, investments and stuff like that, but he he knows all about it. So,\n\nChannel 0: Okay.\n\nChannel 1: like, talking\n\nChannel 0: Perfect.\n\nChannel 1: about that stuff in front of him is perfectly fine.\n\nChannel 0: Okay. Great. Perfect. Yeah. I do like to just check.\n\nBut that is good, so we can definitely do that. And how was your holiday? Did you go overseas as well?\n\nChannel 1: Yes. Yeah. It was really,\n\nChannel 0: Yes.\n\nChannel 1: really good. Actually,\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: that's good. Settled\n\nChannel 1: Yeah.\n\nChannel 0: back in okay as well.\n\nChannel 1: Yeah. Yeah. It's like it's, yeah, as it always is. You have, like, the quite\n\nChannel 0: Yep.\n\nChannel 1: positive words. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: But he's already planning or he's already thinking about the next one. So I was like, okay. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Talent is very important. It has, like, something to look forward to getting through\n\nChannel 0: Yes.\n\nChannel 1: the week.\n\nChannel 0: Yes. No. I totally relate to that. Now I will try my best not to keep you on the phone for too long because I know you have already spent a bit of time with Jordan. But,\n\nChannel 1: Yes.\n\nChannel 0: basically, my\n\nChannel 1: Yeah.\n\nChannel 0: you still have some time because it will take a bit\n\nChannel 1: Yep.\n\nChannel 0: yep.\n\nChannel 1: So I\n\nChannel 0: Okay.\n\nChannel 1: do have to leave at eleven because I've got another appointment.\n\nChannel 0: Okay.\n\nChannel 1: Yep. But\n\nChannel 0: I so I was trying to make it as quickly as I can. And if it is that we don't have enough time, I can just schedule in, like, a a quick one to just finish things up. That's no problem.\n\nChannel 1: Yeah.\n\nChannel 0: But I shall\n\nChannel 1: Yeah.\n\nChannel 0: try to\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: was gonna\n\nChannel 0: quick for\n\nChannel 1: say\n\nChannel 0: you.\n\nChannel 1: and and, like because I have to go to the doctors. That's what the appointment is. But I'll be back\n\nChannel 0: Okay.\n\nChannel 1: in the afternoon. So, like, if in the afternoon, like, you wanna pick up where we left off, I'm happy to do that\n\nChannel 0: Yeah.\n\nChannel 1: and just get\n\nChannel 0: Okay.\n\nChannel 1: everything done for you.\n\nChannel 0: Yeah. Amazing. Alright. We'll we'll\n\nChannel 1: Yep.\n\nChannel 0: see how we go, but I'll try and make it quick for you.\n\nChannel 1: Yep.\n\nChannel 0: Basically,\n\nChannel 1: No worries. Okay.\n\nChannel 0: just for your reference, my side of it right now is to just to kind of see what your goals are, what your objectives are, put together a recommendation based on your personal situation. So I\n\nChannel 1: Mhmm.\n\nChannel 0: also\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: believe that Jordan explained kind of how the process works and the fee structure and everything like that. Do you remember all of that?\n\nChannel 1: No.\n\nChannel 0: Do you have any\n\nChannel 1: No\n\nChannel 0: questions?\n\nChannel 1: idea about the fee structure, but\n\nChannel 0: Hello?\n\nChannel 1: I'm assuming it's gonna be something similar to what Alan's already organized.\n\nChannel 0: Yes. Sorry. There is a so, obviously, the whole review, everything is free. There only will be a fee if you decide that you would like to come on board. That would then be an upfront advice fee, and that is 3.3% from your super.\n\nEverything will be disclosed in the documents for you anyway in detail. But just\n\nChannel 1: Yep.\n\nChannel 0: so that you\n\nChannel 1: Perfect.\n\nChannel 0: are aware, there will be an upfront advice fee that is deducted at the beginning and then never again. And that's just kind of to implement everything. You then\n\nChannel 1: Right.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: an ongoing advice fee. And now, typically, that is a 1.6\n\nChannel 1: Mhmm.\n\nChannel 0: 5 from your super balance or charged within superannuation. But because\n\nChannel 1: Mhmm.\n\nChannel 0: Alan is a client, we do a bit of a special for partners that we can reduce it to 1.1, and that would be\n\nChannel 1: Mhmm.\n\nChannel 0: for both of you to make it a bit cheaper. Again, I will disclose everything in the document for you, but just so, yeah, you are aware. Does that all make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That sounds\n\nChannel 0: Great.\n\nChannel 1: good.\n\nChannel 0: Perfect. And now I guess if we start with superannuation for you,\n\nChannel 1: Mhmm.\n\nChannel 0: I can see here that you have your super with Aware Super. Did you choose that yourself, or was it just one that, like, a employer set up for you?\n\nChannel 1: Employer setup. Because at the time when\n\nChannel 0: Okay.\n\nChannel 1: I said that, I was working for public hospital, and\n\nChannel 0: Yes.\n\nChannel 1: then they used to be called, I think, First Super.\n\nChannel 0: Mhmm.\n\nChannel 1: And then, yeah, they rebranded, but just mostly through hospital.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Now with your superannuation as well, do you have any specific goals of what is important to you when it comes to your superannuation?\n\nChannel 1: Not in terms of, like, other things, but just in general\n\nChannel 0: Mhmm.\n\nChannel 1: at the moment, just like I've put everything into high growth, so it's pretty\n\nChannel 0: Yep.\n\nChannel 1: much we're not\n\nChannel 0: Do you\n\nChannel 1: well,\n\nChannel 0: post\n\nChannel 1: we\n\nChannel 0: that\n\nChannel 1: won't\n\nChannel 0: yourself?\n\nChannel 1: we won't be able to take anything out. So it's just trying to grow it\n\nChannel 0: Yep.\n\nChannel 1: and riding at the market as long\n\nChannel 0: Yep.\n\nChannel 1: as possible because we really need\n\nChannel 0: Yep.\n\nChannel 1: to start stabilizing\n\nChannel 0: Yep.\n\nChannel 1: it around the retirement age, but that's pretty much in general the basic\n\nChannel 0: Yep. Okay.\n\nChannel 1: kinda\n\nChannel 0: Perfect.\n\nChannel 1: like yeah.\n\nChannel 0: And when it comes to retirement age now sometimes it can be a bit tricky because it's far away. But at the\n\nChannel 1: Yep.\n\nChannel 0: moment, do you have any idea of when you would like to start accessing or drawing an income from your sofa?\n\nChannel 1: No. Honestly,\n\nChannel 0: No?\n\nChannel 1: no. Because whatever we planned when we first started, you know, starting our investments and thinking about our future, I was still working in corporate.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And, obviously, now things have changed a lot. And, also, Alan's income has, like, gone up so much more than what we anticipated that\n\nChannel 0: That's good.\n\nChannel 1: yeah. It's a good thing. But also also with the discussions with Alan, Alan doesn't know if he's ever really going to retire because he\n\nChannel 0: K.\n\nChannel 1: he will always be thinking about working in some capacity.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: with that in mind, like, even if it was, like, part time or something, like, I don't think\n\nChannel 0: Yeah.\n\nChannel 1: he really wants to retire\n\nChannel 0: Okay.\n\nChannel 1: as such.\n\nChannel 0: Yeah.\n\nChannel 1: And that's the thing is, like, based on conversations now. So he might change his mind and continue. So based on that,\n\nChannel 0: Yeah.\n\nChannel 1: like, he was very, very supportive about me not working corporate anymore\n\nChannel 0: Yeah.\n\nChannel 1: due to, like,\n\nChannel 0: Oh, that's\n\nChannel 1: mental\n\nChannel 0: nice.\n\nChannel 1: health reasons. And so\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Yeah.\n\nChannel 1: now we haven't really decided, like like,\n\nChannel 0: What's the plan\n\nChannel 1: essentially,\n\nChannel 0: is? Mhmm.\n\nChannel 1: when retirement age or even if\n\nChannel 0: Yep.\n\nChannel 1: retirement is gonna be a thing for us. Yeah.\n\nChannel 0: Yeah. And and that's fair.\n\nChannel 1: Mhmm.\n\nChannel 0: And the reason I do ask as well is because we obviously wanna make sure that when you do come to retirement, especially because that's obviously for your superannuation, that we,\n\nChannel 1: Mhmm.\n\nChannel 0: tryna achieve your goals and what's important. Now for your reference, with the current legislation, you can access super if you retire. If you stop working, you can access your super company tax free at the age of 60. So sometimes the people don't know when they wanna retire. I work with okay.\n\nWell, it gives you the option of taking your super out at 60. If we can try and get\n\nChannel 1: Yep.\n\nChannel 0: you to where your goals are, and if you then decide that you would like to work through 65 or 67 or 70 or part time after, then you only\n\nChannel 1: Mhmm.\n\nChannel 0: accumulate more. Does that make sense?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep. So\n\nChannel 0: Sorry.\n\nChannel 1: to re to her provide that back, so you can take it out at 60.\n\nChannel 0: Correct.\n\nChannel 1: And, like, that's generally the the kind of number that you're working towards when you're doing your plans, and then you're giving\n\nChannel 0: Yes.\n\nChannel 1: your advice. Yep.\n\nChannel 0: Yes. But then they're also obviously, it depends on your age as well, but if if you are, let's say, 55 and you were like, no. I need to work through 65, 67 in order to have enough funds in my super to fund my retirement. It also kind\n\nChannel 1: Mhmm.\n\nChannel 0: of varies. So while you do have quite a bit of time, most people aim for, okay. Well, if I can retire as soon as possible at 60, great. If I decide to work longer, then I'll just have more in my superannuation.\n\nChannel 1: Yeah. Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: fine. I think if anything and, obviously, super is locked in until we're 60. But I think\n\nChannel 0: Mhmm. Correct.\n\nChannel 1: what Alan's thinking is that we should aim and wait for younger, which is why\n\nChannel 0: Yep.\n\nChannel 1: we have a separate investment\n\nChannel 0: Yes.\n\nChannel 1: going on. But\n\nChannel 0: Yep.\n\nChannel 1: I guess, like, your advice doesn't really cover those investments. It really covers just mostly the super component of it.\n\nChannel 0: We we can do. So we are a holistic firm, so we do everything. So we definitely\n\nChannel 1: Mhmm.\n\nChannel 0: can do if that is something you guys would like us to do. Like, if you would like us to manage for anything with your personal investment, then we definitely can do. So\n\nChannel 1: Mhmm.\n\nChannel 0: it's up to what you and Alan would prefer. Some people just wanna get their foundation started, so they look at, you know, your super insurances and stuff like that. And when that's kind of underway, then we kind of branch out into personal investment, investment bonds, cash flow budgeting, and that kind of stuff.\n\nChannel 1: Mhmm.\n\nChannel 0: But it's it's up to you. Is that something you would like us to look at now for you, or are you happy to kind of look at the foundation and then have a chat with Alan later about potentially reviewing any investments down the track?\n\nChannel 1: We can mostly focus on the base for now\n\nChannel 0: Yep.\n\nChannel 1: and then potentially because it'll be interesting to hear what you say based on, like, my current employment\n\nChannel 0: Yep.\n\nChannel 1: situation with\n\nChannel 0: Yep.\n\nChannel 1: the current amount of money I have in the super at the moment.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Alright. We'll start there. Now\n\nChannel 1: Mhmm.\n\nChannel 0: this one might be a little bit tricky as well because it does talk about retirement, but an ideal income that you would like to draw from when you retire. So whether that is when you whenever you do decide, let's say, if it's 60, then you go, okay. Yep. No. I wanna stop working, and and I want my income to be funded from my superannuation.\n\nIf you are thinking of\n\nChannel 1: Yes.\n\nChannel 0: a weekly income\n\nChannel 1: So we Al and I did, like, a combined number.\n\nChannel 0: Okay. That's fine.\n\nChannel 1: Yep. And it's it's been a while since we've looked at the number, but the combined number that we looked at was we said, okay. Well, to be safe, if we say a 100,000 annually\n\nChannel 0: Okay.\n\nChannel 1: and then per year, it's like if we divide it\n\nChannel 0: Yes.\n\nChannel 1: by because our goals would be to travel, essentially, to be able to\n\nChannel 0: Yes.\n\nChannel 1: travel.\n\nChannel 0: K.\n\nChannel 1: And so if we said the number is a 100,000, but not all from super, like, it'll be combination of super plus, like, investments,\n\nChannel 0: Mhmm.\n\nChannel 1: dividends,\n\nChannel 0: Okay.\n\nChannel 1: and stuff. But\n\nChannel 0: Okay.\n\nChannel 1: it's in and and, like, potentially, like, interest from cash or something as well. But\n\nChannel 0: Yeah.\n\nChannel 1: all up, 100,000 a year, which is, like, 1,900 a week, and that\n\nChannel 0: Mhmm.\n\nChannel 1: would be, like, cover everything.\n\nChannel 0: Yes. Okay. No. That that's a really good starting point as well. And\n\nChannel 1: Yep.\n\nChannel 0: because you don't have too many debts, which is really good. Often,\n\nChannel 1: Mhmm.\n\nChannel 0: a lot of people, it's like, okay. Well, obviously, you have potentially more expenses now. If you do have, like, a a mortgage now, I can see that you guys have it in offset, which is which is great. But, otherwise, sometimes, obviously, when you come to retirement, you'll have a little bit less expenses because you might not have, you know, too much debt accumulated. So that could change things as well.\n\nBut you guys are in a really good position asset wise when it comes to that, so that's\n\nChannel 1: Mhmm.\n\nChannel 0: really good. Alright. So we'll work on that. Now when it comes through superannuation as well, I know you mentioned that you\n\nChannel 1: Yep.\n\nChannel 0: currently have your funds invested in a high growth portfolio. So what I will do next is just to go through a bit of a risk profile questionnaire. Have you ever completed something like that before?\n\nChannel 1: No.\n\nChannel 0: No. So, basically, just to give you a a rough idea, what it does, it allows me to put together an appropriate recommendation for you because it indicates the type of investor you are. So it is just multiple choice to make it nice and easy. And if\n\nChannel 1: Okay.\n\nChannel 0: it doesn't make sense, just let me know and think about this as well in regards to your superannuation. Okay. That makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry. Your\n\nChannel 0: Perfect.\n\nChannel 1: phone line is a little bit, like, choppy, but I think I got the gist of it. Essentially, there's a questionnaire with multiple choice, and it gives you some idea of, like, how I how we invest or something like that.\n\nChannel 0: Yes. Exactly.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: I'll have a look\n\nChannel 1: Mhmm.\n\nChannel 0: on my phone. But, yeah, let me know if you can't hear me if it cuts out, and I could just repeat\n\nChannel 1: Yep.\n\nChannel 0: it. That's no problem. Now how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high average, or low risk taker? A\n\nChannel 1: Probably a low risk taker.\n\nChannel 0: low risk taker? Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect.\n\nChannel 1: It's it's a balance because, like, I know that, like, it's, like, reflecting in the way because we choose ETFs, and we'd rather do it long term than\n\nChannel 0: Mhmm.\n\nChannel 1: do, like, risky shares that might pay off quickly, like, might go up in price quickly, but there's also\n\nChannel 0: Mhmm.\n\nChannel 1: more volatility. So we're\n\nChannel 0: Yep.\n\nChannel 1: we're okay with, like, taking our time, but\n\nChannel 0: Yes.\n\nChannel 1: we do want growth. So\n\nChannel 0: Yes. Okay. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: So you are obviously, because often when people say low risk, they are talking more really defensive investment. So, like, cash, fixed interest, gold. But for you, it's\n\nChannel 1: Yeah.\n\nChannel 0: more growth investments, just not super speculative or risky investment, if that makes sense.\n\nChannel 1: Yeah. But we're\n\nChannel 0: Yeah.\n\nChannel 1: we're okay with, like, weathering volatility,\n\nChannel 0: Mhmm.\n\nChannel 1: like, with the understanding that or with the like, based on trends, the stock market\n\nChannel 0: Mhmm.\n\nChannel 1: goes up over a longer\n\nChannel 0: Yes.\n\nChannel 1: period of time. So\n\nChannel 0: Yes.\n\nChannel 1: we're we we we will not if there is a zero to volatility, we won't be selling. We'll just\n\nChannel 0: Okay.\n\nChannel 1: hold and ride\n\nChannel 0: Yes.\n\nChannel 1: it out for, like, ten years or whatever. But we're not the oh, we think well, mostly because, like, I haven't been educated enough to pick stocks that might actually pay off high interest.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. But, like, you know, that is a that is a legitimate way of investing as well. But\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: I know. And that's how to make sense. I get a really good gauge on on how that you do have a pretty good understanding of it. You understand that things will fluctuate in the short term, and you are comfortable with that as long as it's obviously backed investment and good research with it. And that it continues to go up over the long term.\n\nThe short term, obviously, depending on what is going on in the market, there\n\nChannel 1: Mhmm.\n\nChannel 0: will be\n\nChannel 1: Mhmm.\n\nChannel 0: some of those\n\nChannel 1: Yep.\n\nChannel 0: ups and downs.\n\nChannel 1: So I'll look at I'll look at, like, the annual yearly growth as opposed to, like, monthly\n\nChannel 0: Yeah. Yep.\n\nChannel 1: or\n\nChannel 0: That is fine.\n\nChannel 1: daily, weekly, whatever. Yep.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: So I'll\n\nChannel 0: Customer.\n\nChannel 1: look at, like, yearly trends.\n\nChannel 0: Yes. Okay. Beautiful. No. That makes really\n\nChannel 1: Mhmm.\n\nChannel 0: good. And let me see here. So I can kinda pre fill some of this already based on the information you have told me, which saves time. Now talking about volatility, you kind of touched on that already that you wouldn't shift out. Would you, if you had the option to do so, put more money in even if it's down by, let's say, 20%,\n\nChannel 1: No.\n\nChannel 0: but due to general\n\nChannel 1: Oh,\n\nChannel 0: trends.\n\nChannel 1: if if if the average is that it grows and there is a\n\nChannel 0: Mhmm.\n\nChannel 1: period where the market crashes, then I would be\n\nChannel 0: Yes.\n\nChannel 1: buying. If I had the funds,\n\nChannel 0: Okay.\n\nChannel 1: I would be buying.\n\nChannel 0: Great.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. And would you buy heavily or modestly if you had the option to do so? Mhmm.\n\nChannel 1: So I've forgotten what it's called, but we do that thing where we like, regardless whatever happens, we will buy on a regular basis.\n\nChannel 0: Oh, do you have a cost averaging?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yes. Oh, beautiful.\n\nChannel 1: And\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. And if there is if, like, I had excess funds and\n\nChannel 0: Yep.\n\nChannel 1: things crashed because of whatever, I'd be like, put extra money in.\n\nChannel 0: Yes. Okay.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: yep.\n\nChannel 0: Alright. That makes sense. Let's see here. And if you ever kind of saw any of your investments fluctuate, would you feel, like, optimistic about future opportunities or, like, quite cautious, concerned, or anxious.\n\nChannel 1: I don't look at it. I mean,\n\nChannel 0: Okay.\n\nChannel 1: I if I've ever done the research and I'm\n\nChannel 0: Mhmm.\n\nChannel 1: like, this is a long term thing, I would just\n\nChannel 0: Yes.\n\nChannel 1: continue to put money into it and just let it do its thing\n\nChannel 0: Do a thing.\n\nChannel 1: unless,\n\nChannel 0: Yep.\n\nChannel 1: like, unless there was some act of God that crashed the\n\nChannel 0: Yeah.\n\nChannel 1: entire financial situation. But,\n\nChannel 0: Yep.\n\nChannel 1: like, we've gone through how many world wars, and that has not happened and\n\nChannel 0: Yes.\n\nChannel 1: whatever. Yeah. So\n\nChannel 0: Yep.\n\nChannel 1: I I I'm I separate, like, the logical and the emotional.\n\nChannel 0: Yep.\n\nChannel 1: And so\n\nChannel 0: Yes.\n\nChannel 1: just by not looking at it, I don't get emotionally attached to it. It just needs\n\nChannel 0: Yeah.\n\nChannel 1: to be treated according to numbers.\n\nChannel 0: Yeah. And that's a good approach, honestly. That's a very good way of looking at it as long as over the the longest span of time, it continues to do the right thing and continues to go up and it's invested in the right way, then\n\nChannel 1: Yes.\n\nChannel 0: that is a very good way of looking at it. Now the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds or ETFs or anything like that?\n\nChannel 1: Mhmm. No. I would\n\nChannel 0: No.\n\nChannel 1: not. Yeah. Sorry.\n\nChannel 0: Would no. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: Yes. That's different\n\nChannel 0: Yep. Yes.\n\nChannel 1: than but\n\nChannel 0: A bit more tangible\n\nChannel 1: but,\n\nChannel 0: for some people.\n\nChannel 1: yeah, it's a bit more tangible. But we have realized that with our way of investing, that owning property is a pain in the butt,\n\nChannel 0: Mhmm.\n\nChannel 1: which we find annoying, unless there was something that was just kinda like a system of it. It just self takes care of itself in\n\nChannel 0: Mhmm.\n\nChannel 1: that\n\nChannel 0: Yep.\n\nChannel 1: there is a property manage like, it's just, like, too many unaccountable things of, like, extra fees, extra, like,\n\nChannel 0: Mhmm.\n\nChannel 1: any period\n\nChannel 0: Type of work.\n\nChannel 1: of, like, non labor work, insurances, things that, like, you don't count for plus with the recent changes with property investment\n\nChannel 0: Yep.\n\nChannel 1: and and, like, we would have been fine maybe if we've gotten into it, like, ten years ago or something.\n\nChannel 0: Yep.\n\nChannel 1: But it's just, like,\n\nChannel 0: I\n\nChannel 1: so\n\nChannel 0: said\n\nChannel 1: much\n\nChannel 0: to\n\nChannel 1: extra\n\nChannel 0: die as\n\nChannel 1: work.\n\nChannel 0: well.\n\nChannel 1: And it's when you look at the numbers, I don't see that it's, like, that much more beneficial\n\nChannel 0: Mhmm.\n\nChannel 1: than just having shares, which is, like, a lot less work to manage\n\nChannel 0: Mhmm.\n\nChannel 1: and\n\nChannel 0: Bit more\n\nChannel 1: think\n\nChannel 0: liquid\n\nChannel 1: about.\n\nChannel 0: as well.\n\nChannel 1: Yeah. So it's just, like, with the prospecting business, like, research, ongoing management? Yeah. It just it just sounds annoying. Sorry.\n\nChannel 0: That's totally fair. And there's there is a bit more complexity to that way.\n\nChannel 1: Mhmm.\n\nChannel 0: So so that makes sense. Now the last question here is in regards through the kind of income that you expect to get from your investment. So where you are at at the moment, are you wanting mainly, you know, capital growth from your investment, Or are you wanting dividends as well? Or you want a a bit of a borrowed situation from your investment?\n\nChannel 1: We would probably like to grow dividends\n\nChannel 0: Mhmm.\n\nChannel 1: because I I I we try to leverage the snowball\n\nChannel 0: Mhmm.\n\nChannel 1: effect kind of thing with, like so we try to grow for things that have dividends so that it continues to grow itself over time.\n\nChannel 0: Mhmm. So kind of a\n\nChannel 1: Yes.\n\nChannel 0: bit of a bit of a mix. Some some income generated investments, but then also some capital growth to obviously\n\nChannel 1: Mhmm.\n\nChannel 0: make sure that we can continue to grow your investments as much as possible over the long term? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Now, basically, from your answers here, it has told me that you have come out as a high growth investor, which is how you kind of change your investments yourself. So so that is really good. And are you quite comfortable with what a high growth investor is at all?\n\nChannel 1: My understanding is that weathering the volatility\n\nChannel 0: Mhmm.\n\nChannel 1: for the attractive high interest return, but, like, is that pretty much it, or is there more to\n\nChannel 0: Yeah.\n\nChannel 1: the definition of high growth? Yes.\n\nChannel 0: No. It's it's pretty spot on, to be fair. And and most of the time, it is, like, investors that do have strong preference for growth\n\nChannel 1: Yep.\n\nChannel 0: that can tolerate sometimes, you know, sudden up and down movements in the superannuation in the short term that do have a longer investing time span. So, typically, we wanna see at least eight years till retirement, which you certainly do, so that's great. Now when it comes to actually how the money is invested, typically, we see between 90 to 95% of the funds invested\n\nChannel 1: Mhmm.\n\nChannel 0: in your growth investment. So that would be things like Australian shares, international shares, property, and commodities. Doesn't mean direct shares, but just that that asset allocation side of it, which is\n\nChannel 1: Yep.\n\nChannel 0: going to grow your superannuation. And then about 10 to 5% is in your more defensive. So just kind of added as a stabilizer to your portfolio, and that is\n\nChannel 1: Mhmm.\n\nChannel 0: often made up of cash, gold, a bit of fixed interest as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you\n\nChannel 1: Yep.\n\nChannel 0: happy with that type of allocation, or how do you feel about that?\n\nChannel 1: Yeah. That sounds like it aligns with how we wanna invest. Yep.\n\nChannel 0: Yep. Okay. Perfect. And typically as well, because you do have some volatility fluctuations, We see that the likelihood of a negative return is about one in five years. So, obviously, a bit of those fluctuation as long as long term, it will obviously continue to then outperform and grow more than your\n\nChannel 1: Mhmm.\n\nChannel 0: defensive.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Now do you need to go at the moment? Because I probably have at least another fifteen minutes or so.\n\nChannel 1: Yeah. I do, but I I I can Bluetooth while driving\n\nChannel 0: Okay.\n\nChannel 1: if you want\n\nChannel 0: If\n\nChannel 1: to.\n\nChannel 0: if you are happy or if it's safe for you to do so, then that would\n\nChannel 1: Yeah.\n\nChannel 0: be\n\nChannel 1: Yep.\n\nChannel 0: good if if it's\n\nChannel 1: Yep.\n\nChannel 0: safe for you.\n\nChannel 1: Yep. So just give\n\nChannel 0: Okay.\n\nChannel 1: me if you're happy to just hold\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Of\n\nChannel 1: a few minutes,\n\nChannel 0: course.\n\nChannel 1: I'll just get into the car, and then we\n\nChannel 0: Sure.\n\nChannel 1: can continue the conversation as long as\n\nChannel 0: Yeah.\n\nChannel 1: you don't need me to look up anything.\n\nChannel 0: No. No. That's all good. That's all done. You did that with Jordan.\n\nChannel 1: Yeah. Alright. I'll just put you on while I just grab my handbag.\n\nChannel 0: Sure.\n\nChannel 1: Okay. Rodney, do you need me?\n\nChannel 0: Yes. Can you hear me?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: Perfect. Now with your employment and contributions and stuff like that into super as well, So\n\nChannel 1: Yep.\n\nChannel 0: I can see here that you are self employed. Is\n\nChannel 1: Mhmm.\n\nChannel 0: it set up as a, like, a company structure, or how is it\n\nChannel 1: Yes.\n\nChannel 0: set up\n\nChannel 1: So we're\n\nChannel 0: for a Compass?\n\nChannel 1: we're an Australian company. We're registered with an ATM.\n\nChannel 0: Yep.\n\nChannel 1: I own 50% and I own,\n\nChannel 0: Mhmm.\n\nChannel 1: like at the time that our accountant set it up, is that essentially","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.029861638322472572}],"sentiment":"neutral","sentiment_score":0.029861638322472572,"channel":0,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"There we 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something.","start":1232.7201,"end":1237.38,"sentiment":"neutral","sentiment_score":-0.0501515069976449}],"sentiment":"neutral","sentiment_score":-0.0501515069976449,"channel":1,"num_words":20,"start":1232.7201,"end":1237.38},{"sentences":[{"text":"Yep.","start":1237.75,"end":1238.25,"sentiment":"neutral","sentiment_score":-0.03618776053190231}],"sentiment":"neutral","sentiment_score":-0.03618776053190231,"channel":0,"num_words":1,"start":1237.75,"end":1238.25},{"sentences":[{"text":"But it's just, like,","start":1238.24,"end":1239.54,"sentiment":"neutral","sentiment_score":-0.12872722931206226}],"sentiment":"neutral","sentiment_score":-0.12872722931206226,"channel":1,"num_words":4,"start":1238.24,"end":1239.54},{"sentences":[{"text":"I","start":1240.1649,"end":1240.325,"sentiment":"neutral","sentiment_score":-0.17386524379253387}],"sentiment":"neutral","sentiment_score":-0.17386524379253387,"channel":0,"num_words":1,"start":1240.1649,"end":1240.325},{"sentences":[{"text":"so","start":1240.24,"end":1240.4,"sentiment":"neutral","sentiment_score":-0.1689295470714569}],"sentiment":"neutral","sentiment_score":-0.1689295470714569,"channel":1,"num_words":1,"start":1240.24,"end":1240.4},{"sentences":[{"text":"said","start":1240.325,"end":1240.6449,"sentiment":"neutral","sentiment_score":-0.12744364142417908}],"sentiment":"neutral","sentiment_score":-0.12744364142417908,"channel":0,"num_words":1,"start":1240.325,"end":1240.6449},{"sentences":[{"text":"much","start":1240.4,"end":1240.7201,"sentiment":"neutral","sentiment_score":-0.1716514229774475}],"sentiment":"neutral","sentiment_score":-0.1716514229774475,"channel":1,"num_words":1,"start":1240.4,"end":1240.7201},{"sentences":[{"text":"to","start":1240.6449,"end":1240.725,"sentiment":"neutral","sentiment_score":-0.17705924808979034}],"sentiment":"neutral","sentiment_score":-0.17705924808979034,"channel":0,"num_words":1,"start":1240.6449,"end":1240.725},{"sentences":[{"text":"extra","start":1240.7201,"end":1241.12,"sentiment":"neutral","sentiment_score":-0.24318240582942963}],"sentiment":"neutral","sentiment_score":-0.24318240582942963,"channel":1,"num_words":1,"start":1240.7201,"end":1241.12},{"sentences":[{"text":"die 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The review is free and there is an upfront advice fee. The agent explains the fees associated with Quinn's graduation and holiday while also explaining the fees associated with his superannaps. The agent provides insight into the retirement age and investment strategy, and suggests taking risk based on market trends and retirement goals. The speaker emphasizes the importance of not feeling emotionally attached to a situation and investing in the right way, while also discussing the possibility of a loan to buy an investment property and growth in dividends."},"intents":{"segments":[{"text":"so we do what we can, but it's Yep. always good to get, like, advice from someone just to make sure that we're we're doing what we should in terms of setting ourselves Yep. up for retirement and, like, just general making sure that we're doing the right things, really.","start_word":229,"end_word":278,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0018493396}]},{"text":"But because I'm also looking at making a recommendation for himself, he mentioned Yep.","start_word":345,"end_word":358,"intents":[{"intent":"Request recommendation","confidence_score":0.00066234166}]},{"text":"So you guys obviously can if you're working on everything together as a couple, are you happy Yep. with Mhmm. that as well, or would you like to do Yep. your separate, not happy together?","start_word":365,"end_word":399,"intents":[{"intent":"Discuss separate work","confidence_score":0.00011382556}]},{"text":"I'm happy. 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No.","start_word":818,"end_word":842,"intents":[{"intent":"Explain fee structure","confidence_score":0.11255876},{"intent":"Explain process","confidence_score":0.055425484}]},{"text":"Do you have any No questions? idea about the fee structure, but Hello?","start_word":843,"end_word":855,"intents":[{"intent":"Discuss fee structure","confidence_score":0.047384802}]},{"text":"There is a so, obviously, the whole review, everything is free. There only will be a fee if you decide that you would like to come on board. That would then be an upfront advice fee, and that is 3.3% from your super.","start_word":870,"end_word":912,"intents":[{"intent":"Implement advice fee","confidence_score":0.0040598833}]},{"text":"Alan is a client, we do a bit of a special for partners that we can reduce it to 1.1, and that would be Mhmm. for both of you to make it a bit cheaper.","start_word":989,"end_word":1023,"intents":[{"intent":"Reduce cost","confidence_score":0.457159}]},{"text":"And now I guess if we start with superannuation for you, Mhmm.","start_word":1053,"end_word":1064,"intents":[{"intent":"Start superannuation","confidence_score":0.19574958}]},{"text":"Now with your superannuation as well, do you have any specific goals of what is important to you when it comes to your superannuation?","start_word":1139,"end_word":1162,"intents":[{"intent":"Discuss superannuation goals","confidence_score":0.020797772}]},{"text":"And when it comes to retirement age now sometimes it can be a bit tricky because it's far away. 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Would you say that you're a very high risk taker, high average, or low risk taker?","start_word":2619,"end_word":2645,"intents":[{"intent":"Discuss financial risk","confidence_score":0.026594667}]},{"text":"It's it's a balance because, like, I know that, like, it's, like, reflecting in the way because we choose ETFs, and we'd rather do it long term than Mhmm.","start_word":2659,"end_word":2687,"intents":[{"intent":"Reflect on balance","confidence_score":0.0029146152}]},{"text":"we're we're okay with, like, weathering volatility, Mhmm. like, with the understanding that or with the like, based on trends, the stock market Mhmm. goes up over a longer Yes.","start_word":2776,"end_word":2805,"intents":[{"intent":"Understand market dynamics","confidence_score":0.064806655}]},{"text":"But, like, you know, that is a that is a legitimate way of investing as well. But Yes. yeah.","start_word":2872,"end_word":2890,"intents":[{"intent":"Consider investing options","confidence_score":0.00030518268}]},{"text":"And if you ever kind of saw any of your investments fluctuate, would you feel, like, optimistic about future opportunities or, like, quite cautious, concerned, or anxious.","start_word":3229,"end_word":3255,"intents":[{"intent":"Evaluate investments","confidence_score":0.101189084}]},{"text":"entire financial situation.","start_word":3315,"end_word":3317,"intents":[{"intent":"Analyze financial situation","confidence_score":0.008758357}]},{"text":"Now the last question here is in regards through the kind of income that you expect to get from your investment. So where you are at at the moment, are you wanting mainly, you know, capital growth from your investment, Or are you wanting dividends as well? Or you want a a bit of a borrowed situation from your investment?","start_word":3722,"end_word":3781,"intents":[{"intent":"Discuss investment preferences","confidence_score":0.05459977}]},{"text":"that can tolerate sometimes, you know, sudden up and down movements in the superannuation in the short term that do have a longer investing time span. So, typically, we wanna see at least eight years till retirement, which you certainly do, so that's great.","start_word":3986,"end_word":4029,"intents":[{"intent":"Confirm investing time","confidence_score":0.0007070435}]}]},"sentiments":{"segments":[{"text":"Hello? There we go. Yes.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.10192885994911194},{"text":"You. Beautiful Ultra Rans. So you got it in 32, one. Good morning, Quinn.","start_word":5,"end_word":18,"sentiment":"positive","sentiment_score":0.4527617990970611},{"text":"I am Veronica.","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.3247825503349304},{"text":"How are you today? Good. Thank you.","start_word":22,"end_word":28,"sentiment":"positive","sentiment_score":0.3997412025928498},{"text":"How are you, Veronica? Yeah.","start_word":29,"end_word":33,"sentiment":"neutral","sentiment_score":0.24008825421333313},{"text":"I'm good. Thank you.","start_word":34,"end_word":37,"sentiment":"positive","sentiment_score":0.4290913939476013},{"text":"Sorry about the disconnect on the phone. Don't know what happened there. Sometimes, like, That's technology. alright. You know? Now I am one of the financial sciences here at ACU, and I understand that you're interested in getting some financial advice. Have you ever worked with a adviser before? Mhmm. No. No. And I guess the main reason why you do want to have a look at some advice today, I know, obviously, I have spoken to your partner, Alan, but from your point of view, is it mainly to kind of review your due graduation, or what kind of, I guess, prompted you to have a bit of a chat today? Just making sure that we've optimized what we can and we haven't, like, glaringly missed anything that, like, Mhmm. for some people like, for people in the, I guess, we're in our late thirties now. Shit. We're in our late thirties now. That's Right? it's like, I swear I was just ten thirty. That we're doing what we should be doing. Like, we have a degree of Yep. health literacy, but, obviously, it's not our favorite subject. But Yeah. so we do what we can, but it's Yep. always good to get, like, advice from someone just to make sure that we're we're doing what we should in terms of setting ourselves Yep. up for retirement and, like, just general making sure that we're doing the right things, really. Yeah. It's just And mhmm. bit of a check-in, and and that totally makes sense. So that kind of aligns with what Alan said as well. Mhmm. Yep. Now when I spoke to him as well, he mentioned that he was quite interested in doing, like, a double one. So, obviously, after the call today, I will go and do some research, put together a strategy. But because I'm also looking at making a recommendation for himself, he mentioned Yep. Mhmm. to to do it together. So you guys obviously can if you're working on everything together as a couple, are you happy Yep. with Mhmm. that as well, or would you like to do Yep. your separate, not happy together? Oh, yes.","start_word":38,"end_word":401,"sentiment":"neutral","sentiment_score":0.04040307080843947},{"text":"I'm happy.","start_word":402,"end_word":403,"sentiment":"positive","sentiment_score":0.5143237113952637},{"text":"Yep. And then anything that I I have separate to Alan, I've disclosed to him. Like, he know I think I Yep. have Okay. my own emergency fund. I have my own Yep. set of, like, investments and stuff like that, but he he knows all about it. So, Okay. like, talking Perfect.","start_word":404,"end_word":456,"sentiment":"neutral","sentiment_score":0.07771281152963638},{"text":"about that stuff in front of him is perfectly fine.","start_word":457,"end_word":466,"sentiment":"positive","sentiment_score":0.3517304062843323},{"text":"Okay.","start_word":467,"end_word":467,"sentiment":"neutral","sentiment_score":0.3176395893096924},{"text":"Great. Perfect. Yeah. I do like to just check. But that is good, so we can definitely do that.","start_word":468,"end_word":486,"sentiment":"positive","sentiment_score":0.5295101404190063},{"text":"And how was your holiday? Did you go overseas as well? Yes. Yeah.","start_word":487,"end_word":499,"sentiment":"neutral","sentiment_score":0.16560229659080505},{"text":"It was really, Yes. really good. Actually, Oh, yeah. that's good.","start_word":500,"end_word":510,"sentiment":"positive","sentiment_score":0.4894075393676758},{"text":"Settled Yeah. back in okay as well. Yeah. Yeah.","start_word":511,"end_word":519,"sentiment":"neutral","sentiment_score":0.23304511606693268},{"text":"It's like it's, yeah, as it always is. You have, like, the quite Yep. positive words.","start_word":520,"end_word":535,"sentiment":"positive","sentiment_score":0.39513739943504333},{"text":"Yeah. Yep. But he's already planning or he's already thinking about the next one. So I was like, okay. Right. Yeah. Talent is very important. It has, like, something to look forward to getting through Yes. the week. Yes. No. I totally relate to that. Now I will try my best not to keep you on the phone for too long because I know you have already spent a bit of time with Jordan. But, Yes. basically, my Yeah. you still have some time because it will take a bit Yep. yep. So I Okay. do have to leave at eleven because I've got another appointment. Okay. Yep. But I so I was trying to make it as quickly as I can. And if it is that we don't have enough time, I can just schedule in, like, a a quick one to just finish things up. That's no problem. Yeah. But I shall Yeah. try to I be was gonna quick for say you. and and, like because I have to go to the doctors. That's what the appointment is. But I'll be back Okay.","start_word":536,"end_word":721,"sentiment":"neutral","sentiment_score":0.08527330461368766},{"text":"in the afternoon. So, like, if in the afternoon, like, you wanna pick up where we left off, I'm happy to do that Yeah. and just get Okay. everything done for you. Yeah. Amazing. Alright. We'll we'll Yep. see how we go, but I'll try and make it quick for you.","start_word":722,"end_word":772,"sentiment":"positive","sentiment_score":0.5160850286483765},{"text":"Yep. Basically, No worries. Okay. just for your reference, my side of it right now is to just to kind of see what your goals are, what your objectives are, put together a recommendation based on your personal situation. So I Mhmm. also Mhmm. Yep. believe that Jordan explained kind of how the process works and the fee structure and everything like that. Do you remember all of that? No. Do you have any No questions? idea about the fee structure, but Hello? I'm assuming it's gonna be something similar to what Alan's already organized. Yes. Sorry. There is a so, obviously, the whole review, everything is free. There only will be a fee if you decide that you would like to come on board. That would then be an upfront advice fee, and that is 3.3% from your super. Everything will be disclosed in the documents for you anyway in detail. But just Yep. so that you Perfect. are aware, there will be an upfront advice fee that is deducted at the beginning and then never again. And that's just kind of to implement everything. You then Right. have Okay. an ongoing advice fee. And now, typically, that is a 1.6 Mhmm. 5 from your super balance or charged within superannuation. But because Mhmm. Alan is a client, we do a bit of a special for partners that we can reduce it to 1.1, and that would be Mhmm. for both of you to make it a bit cheaper. Again, I will disclose everything in the document for you, but just so, yeah, you are aware. Does that all make sense? Yes. Yep. Yep.","start_word":773,"end_word":1047,"sentiment":"neutral","sentiment_score":0.09309656145897778},{"text":"That sounds Great. good. Perfect.","start_word":1048,"end_word":1052,"sentiment":"positive","sentiment_score":0.6899282932281494},{"text":"And now I guess if we start with superannuation for you, Mhmm. I can see here that you have your super with Aware Super. Did you choose that yourself, or was it just one that, like, a employer set up for you? Employer setup. Because at the time when Okay. I said that, I was working for public hospital, and Yes. then they used to be called, I think, First Super. Mhmm. And then, yeah, they rebranded, but just mostly through hospital. Yeah. Okay. Perfect. Mhmm. Now with your superannuation as well, do you have any specific goals of what is important to you when it comes to your superannuation? Not in terms of, like, other things, but just in general Mhmm. at the moment, just like I've put everything into high growth, so it's pretty Yep. much we're not Do you well, post we that won't yourself? we won't be able to take anything out. So it's just trying to grow it Yep. and riding at the market as long Yep. as possible because we really need Yep. to start stabilizing Yep. it around the retirement age, but that's pretty much in general the basic Yep. Okay. kinda Perfect. like yeah. And when it comes to retirement age now sometimes it can be a bit tricky because it's far away. But at the Yep. moment, do you have any idea of when you would like to start accessing or drawing an income from your sofa? No. Honestly, No? no. Because whatever we planned when we first started, you know, starting our investments and thinking about our future, I was still working in corporate. Yep. Yep. And, obviously, now things have changed a lot.","start_word":1053,"end_word":1336,"sentiment":"neutral","sentiment_score":0.0027243844790935095},{"text":"And, also, Alan's income has, like, gone up so much more than what we anticipated that That's good. yeah. It's a good thing.","start_word":1337,"end_word":1359,"sentiment":"positive","sentiment_score":0.5316776633262634},{"text":"But also also with the discussions with Alan, Alan doesn't know if he's ever really going to retire because he K. he will always be thinking about working in some capacity. Yeah. So Yep. with that in mind, like, even if it was, like, part time or something, like, I don't think Yeah. he really wants to retire Okay. as such. Yeah. And that's the thing is, like, based on conversations now. So he might change his mind and continue. So based on that, Yeah. like, he was very, very supportive about me not working corporate anymore Yeah. due to, like, Oh, that's mental nice. health reasons. And so Yeah. so Yeah. now we haven't really decided, like like, What's the plan essentially, is? Mhmm. when retirement age or even if Yep. retirement is gonna be a thing for us. Yeah. Yeah. And and that's fair. Mhmm. And the reason I do ask as well is because we obviously wanna make sure that when you do come to retirement, especially because that's obviously for your superannuation, that we, Mhmm. tryna achieve your goals and what's important. Now for your reference, with the current legislation, you can access super if you retire. If you stop working, you can access your super company tax free at the age of 60. So sometimes the people don't know when they wanna retire. I work with okay. Well, it gives you the option of taking your super out at 60. If we can try and get Yep. you to where your goals are, and if you then decide that you would like to work through 65 or 67 or 70 or part time after, then you only Mhmm. accumulate more. Does that make sense? Yeah. Okay. Yep. Yep. So Sorry. to re to her provide that back, so you can take it out at 60. Correct. And, like, that's generally the the kind of number that you're working towards when you're doing your plans, and then you're giving Yes.","start_word":1360,"end_word":1693,"sentiment":"neutral","sentiment_score":0.05819450878722225},{"text":"your advice.","start_word":1694,"end_word":1695,"sentiment":"positive","sentiment_score":0.3448966443538666},{"text":"Yep. Yes. But then they're also obviously, it depends on your age as well, but if if you are, let's say, 55 and you were like, no. I need to work through 65, 67 in order to have enough funds in my super to fund my retirement. It also kind Mhmm. of varies. So while you do have quite a bit of time, most people aim for, okay. Well, if I can retire as soon as possible at 60, great. If I decide to work longer, then I'll just have more in my superannuation. Yeah. Yep. That's Yep. fine. I think if anything and, obviously, super is locked in until we're 60. But I think Mhmm. Correct. what Alan's thinking is that we should aim and wait for younger, which is why Yep. we have a separate investment Yes. going on. But Yep. I guess, like, your advice doesn't really cover those investments. It really covers just mostly the super component of it. We we can do. So we are a holistic firm, so we do everything. So we definitely Mhmm. can do if that is something you guys would like us to do. Like, if you would like us to manage for anything with your personal investment, then we definitely can do. So Mhmm. it's up to what you and Alan would prefer. Some people just wanna get their foundation started, so they look at, you know, your super insurances and stuff like that. And when that's kind of underway, then we kind of branch out into personal investment, investment bonds, cash flow budgeting, and that kind of stuff. Mhmm. But it's it's up to you. Is that something you would like us to look at now for you, or are you happy to kind of look at the foundation and then have a chat with Alan later about potentially reviewing any investments down the track? We can mostly focus on the base for now Yep. and then potentially because it'll be interesting to hear what you say based on, like, my current employment Yep. situation with Yep. the current amount of money I have in the super at the moment. Yep. Yep.","start_word":1696,"end_word":2059,"sentiment":"neutral","sentiment_score":0.10496626852673815},{"text":"Perfect.","start_word":2060,"end_word":2060,"sentiment":"positive","sentiment_score":0.6534711122512817},{"text":"Alright. Mhmm. We'll start there. Now Mhmm. this one might be a little bit tricky as well because it does talk about retirement, but an ideal income that you would like to draw from when you retire. So whether that is when you whenever you do decide, let's say, if it's 60, then you go, okay. Yep. No. I wanna stop working, and and I want my income to be funded from my superannuation. If you are thinking of Yes. a weekly income So we Al and I did, like, a combined number. Okay. That's fine. Yep. And it's it's been a while since we've looked at the number, but the combined number that we looked at was we said, okay. Well, to be safe, if we say a 100,000 annually Okay. and then per year, it's like if we divide it Yes. by because our goals would be to travel, essentially, to be able to Yes. travel. K. And so if we said the number is a 100,000, but not all from super, like, it'll be combination of super plus, like, investments, Mhmm. dividends, Okay. and stuff. But Okay. it's in and and, like, potentially, like, interest from cash or something as well. But Yeah. all up, 100,000 a year, which is, like, 1,900 a week, and that Mhmm. would be, like, cover everything. Yes. Okay. No.","start_word":2061,"end_word":2288,"sentiment":"neutral","sentiment_score":0.0774761363863945},{"text":"That that's a really good starting point as well. And Yep. because you don't have too many debts, which is really good.","start_word":2289,"end_word":2310,"sentiment":"positive","sentiment_score":0.4639112949371338},{"text":"Often, Mhmm. a lot of people, it's like, okay. Well, obviously, you have potentially more expenses now. If you do have, like, a a mortgage now, I can see that you guys have it in offset, which is which is great. But, otherwise, sometimes, obviously, when you come to retirement, you'll have a little bit less expenses because you might not have, you know, too much debt accumulated. So that could change things as well.","start_word":2311,"end_word":2385,"sentiment":"neutral","sentiment_score":0.161540707051754},{"text":"But you guys are in a really good position asset wise when it comes to that, so that's Mhmm. really good. Alright.","start_word":2386,"end_word":2407,"sentiment":"positive","sentiment_score":0.5518159866333008},{"text":"So we'll work on that. Now when it comes through superannuation as well, I know you mentioned that you Yep. currently have your funds invested in a high growth portfolio. So what I will do next is just to go through a bit of a risk profile questionnaire. Have you ever completed something like that before? No. No. So, basically, just to give you a a rough idea, what it does, it allows me to put together an appropriate recommendation for you because it indicates the type of investor you are.","start_word":2408,"end_word":2498,"sentiment":"neutral","sentiment_score":0.1190805807709694},{"text":"So it is just multiple choice to make it nice and easy.","start_word":2499,"end_word":2510,"sentiment":"positive","sentiment_score":0.3432577848434448},{"text":"And if Okay. it doesn't make sense, just let me know and think about this as well in regards to your superannuation. Okay. That makes sense. Yeah. Yeah. Sorry. Your Perfect. phone line is a little bit, like, choppy, but I think I got the gist of it. Essentially, there's a questionnaire with multiple choice, and it gives you some idea of, like, how I how we invest or something like that. Yes. Exactly. Yeah.","start_word":2511,"end_word":2585,"sentiment":"neutral","sentiment_score":0.12495779991149902},{"text":"Cool.","start_word":2586,"end_word":2586,"sentiment":"positive","sentiment_score":0.37438833713531494},{"text":"I'll have a look Mhmm. on my phone. But, yeah, let me know if you can't hear me if it cuts out, and I could just repeat Yep. it. That's no problem. Now how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high average, or low risk taker? A Probably a low risk taker. low risk taker? Okay. Mhmm.","start_word":2587,"end_word":2656,"sentiment":"neutral","sentiment_score":0.08573124557733536},{"text":"Perfect.","start_word":2657,"end_word":2657,"sentiment":"positive","sentiment_score":0.4363788962364197},{"text":"It's it's a balance because, like, I know that, like, it's, like, reflecting in the way because we choose ETFs, and we'd rather do it long term than Mhmm. do, like, risky shares that might pay off quickly, like, might go up in price quickly, but there's also Mhmm. more volatility. So we're Yep. we're okay with, like, taking our time, but Yes.","start_word":2658,"end_word":2720,"sentiment":"neutral","sentiment_score":0.12286555022001266},{"text":"we do want growth.","start_word":2721,"end_word":2724,"sentiment":"positive","sentiment_score":0.33701658248901367},{"text":"So Yes.","start_word":2725,"end_word":2726,"sentiment":"neutral","sentiment_score":0.2939135730266571},{"text":"Okay. Perfect. yeah.","start_word":2727,"end_word":2729,"sentiment":"positive","sentiment_score":0.4637963771820069},{"text":"So you are obviously, because often when people say low risk, they are talking more really defensive investment. So, like, cash, fixed interest, gold. But for you, it's Yeah. more growth investments, just not super speculative or risky investment, if that makes sense. Yeah. But Yeah. we're we're okay with, like, weathering volatility, Mhmm. like, with the understanding that or with the like, based on trends, the stock market Mhmm. goes up over a longer Yes. period of time. So Yes. we're we we we will not if there is a zero to volatility, we won't be selling. We'll just Okay. hold and ride Yes. it out for, like, ten years or whatever. But we're not the oh, we think well, mostly because, like, I haven't been educated enough to pick stocks that might actually pay off high interest. Yep. Yep. Yeah. But, like, you know, that is a that is a legitimate way of investing as well. But Yes. yeah. I know. And that's how to make sense. I get a really good gauge on on how that you do have a pretty good understanding of it. You understand that things will fluctuate in the short term, and you are comfortable with that as long as it's obviously backed investment and good research with it.","start_word":2730,"end_word":2945,"sentiment":"neutral","sentiment_score":0.12363511323928832},{"text":"And that it continues to go up over the long term.","start_word":2946,"end_word":2956,"sentiment":"positive","sentiment_score":0.33916887640953064},{"text":"The short term, obviously, depending on what is going on in the market, there Mhmm. will be Mhmm. some of those Yep. ups and downs. So I'll look at I'll look at, like, the annual yearly growth as opposed to, like, monthly Yeah. Yep. or That is fine. daily, weekly, whatever. Yep. Yes. Yeah. So I'll Customer. look at, like, yearly trends. Yes. Okay.","start_word":2957,"end_word":3020,"sentiment":"neutral","sentiment_score":0.028481523317168467},{"text":"Beautiful.","start_word":3021,"end_word":3021,"sentiment":"positive","sentiment_score":0.48180803656578064},{"text":"No. That makes really Mhmm.","start_word":3022,"end_word":3026,"sentiment":"neutral","sentiment_score":0.23492993414402008},{"text":"good.","start_word":3027,"end_word":3027,"sentiment":"positive","sentiment_score":0.4454007744789123},{"text":"And let me see here. So I can kinda pre fill some of this already based on the information you have told me, which saves time. Now talking about volatility, you kind of touched on that already that you wouldn't shift out. Would you, if you had the option to do so, put more money in even if it's down by, let's say, 20%, No. but due to general Oh, trends. if if if the average is that it grows and there is a Mhmm. period where the market crashes, then I would be Yes. buying. If I had the funds, Okay. I would be buying.","start_word":3028,"end_word":3133,"sentiment":"neutral","sentiment_score":0.022712284699082375},{"text":"Great.","start_word":3134,"end_word":3134,"sentiment":"positive","sentiment_score":0.4498631358146667},{"text":"Yep. Okay.","start_word":3135,"end_word":3136,"sentiment":"neutral","sentiment_score":0.2457737177610397},{"text":"Perfect.","start_word":3137,"end_word":3137,"sentiment":"positive","sentiment_score":0.37323054671287537},{"text":"And would you buy heavily or modestly if you had the option to do so? Mhmm. So I've forgotten what it's called, but we do that thing where we like, regardless whatever happens, we will buy on a regular basis. Oh, do you have a cost averaging? Yeah. Yep. Yes. Oh, beautiful. And Mhmm. yeah. And if there is if, like, I had excess funds and Yep. things crashed because of whatever, I'd be like, put extra money in. Yes. Okay. So Perfect. yep. Alright. That makes sense. Let's see here. And if you ever kind of saw any of your investments fluctuate, would you feel, like, optimistic about future opportunities or, like, quite cautious, concerned, or anxious. I don't look at it. I mean, Okay. I if I've ever done the research and I'm Mhmm. like, this is a long term thing, I would just Yes. continue to put money into it and just let it do its thing Do a thing. unless, Yep. like, unless there was some act of God that crashed the Yeah. entire financial situation. But, Yep. like, we've gone through how many world wars, and that has not happened and Yes. whatever. Yeah. So Yep. I I I'm I separate, like, the logical and the emotional. Yep. And so Yes. just by not looking at it, I don't get emotionally attached to it. It just needs Yeah. to be treated according to numbers. Yeah.","start_word":3138,"end_word":3377,"sentiment":"neutral","sentiment_score":-0.026361505283603037},{"text":"And that's a good approach, honestly. That's a very good way of looking at it as long as over the the longest span of time, it continues to do the right thing and continues to go up and it's invested in the right way, then Yes. that is a very good way of looking at it.","start_word":3378,"end_word":3433,"sentiment":"positive","sentiment_score":0.5235486030578613},{"text":"Now the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds or ETFs or anything like that? Mhmm. No. I would No. not. Yeah. Sorry. Would no. Would you ever consider taking out a loan to buy an investment property? Yes. That's different Yep. Yes. than but A bit more tangible but, for some people. yeah, it's a bit more tangible.","start_word":3434,"end_word":3509,"sentiment":"neutral","sentiment_score":-0.03693946450948715},{"text":"But we have realized that with our way of investing, that owning property is a pain in the butt, Mhmm. which we find annoying, unless there was something that was just kinda like a system of it.","start_word":3510,"end_word":3546,"sentiment":"negative","sentiment_score":-0.35578006505966187},{"text":"It just self takes care of itself in Mhmm. that Yep. there is a property manage like, it's just, like, too many unaccountable things of, like, extra fees, extra, like, Mhmm. any period Type of work. of, like, non labor work, insurances, things that, like, you don't count for plus with the recent changes with property investment Yep. and and, like, we would have been fine maybe if we've gotten into it, like, ten years ago or something. Yep. But it's just, like, I so said much to extra die as work. well. And it's when you look at the numbers, I don't see that it's, like, that much more beneficial Mhmm. than just having shares, which is, like, a lot less work to manage Mhmm. and Bit more think liquid about. as well. Yeah. So it's just, like, with the prospecting business, like, research, ongoing management? Yeah. It just it just sounds annoying. Sorry. That's totally fair. And there's there is a bit more complexity to that way. Mhmm. So so that makes sense. Now the last question here is in regards through the kind of income that you expect to get from your investment. So where you are at at the moment, are you wanting mainly, you know, capital growth from your investment, Or are you wanting dividends as well? Or you want a a bit of a borrowed situation from your investment? We would probably like to grow dividends Mhmm. because I I I we try to leverage the snowball Mhmm. effect kind of thing with, like so we try to grow for things that have dividends so that it continues to grow itself over time. Mhmm. So kind of a Yes. bit of a bit of a mix. Some some income generated investments, but then also some capital growth to obviously Mhmm. make sure that we can continue to grow your investments as much as possible over the long term? Yep. Yep.","start_word":3547,"end_word":3872,"sentiment":"neutral","sentiment_score":0.00627121595562967},{"text":"Okay. Perfect.","start_word":3873,"end_word":3874,"sentiment":"positive","sentiment_score":0.4837629199028015},{"text":"Now, basically, from your answers here, it has told me that you have come out as a high growth investor, which is how you kind of change your investments yourself.","start_word":3875,"end_word":3904,"sentiment":"neutral","sentiment_score":0.29292017221450806},{"text":"So so that is really good.","start_word":3905,"end_word":3910,"sentiment":"positive","sentiment_score":0.5832781195640564},{"text":"And are you quite comfortable with what a high growth investor is at all? My understanding is that weathering the volatility Mhmm. for the attractive high interest return, but, like, is that pretty much it, or is there more to Yeah. the definition of high growth? Yes. No. It's it's pretty spot on, to be fair. And and most of the time, it is, like, investors that do have strong preference for growth Yep. that can tolerate sometimes, you know, sudden up and down movements in the superannuation in the short term that do have a longer investing time span. So, typically, we wanna see at least eight years till retirement, which you certainly do, so that's great. Now when it comes to actually how the money is invested, typically, we see between 90 to 95% of the funds invested Mhmm. in your growth investment. So that would be things like Australian shares, international shares, property, and commodities. Doesn't mean direct shares, but just that that asset allocation side of it, which is Yep. going to grow your superannuation. And then about 10 to 5% is in your more defensive. So just kind of added as a stabilizer to your portfolio, and that is Mhmm. often made up of cash, gold, a bit of fixed interest as well. Mhmm. Are you Yep. happy with that type of allocation, or how do you feel about that? Yeah. That sounds like it aligns with how we wanna invest. Yep. Yep. Okay.","start_word":3911,"end_word":4159,"sentiment":"neutral","sentiment_score":0.1311757940963569},{"text":"Perfect.","start_word":4160,"end_word":4160,"sentiment":"positive","sentiment_score":0.3700276017189026},{"text":"And typically as well, because you do have some volatility fluctuations, We see that the likelihood of a negative return is about one in five years. So, obviously, a bit of those fluctuation as long as long term, it will obviously continue to then outperform and grow more than your Mhmm. defensive. Yep. Okay. Perfect. Now do you need to go at the moment? Because I probably have at least another fifteen minutes or so. Yeah. I do, but I I I can Bluetooth while driving Okay. if you want If to. if you are happy or if it's safe for you to do so, then that would Yeah. be Yep. good if if it's Yep. safe for you. Yep. So just give Okay. me if you're happy to just hold Yeah. for Of a few minutes, course. I'll just get into the car, and then we Sure. can continue the conversation as long as Yeah. you don't need me to look up anything. No. No. That's all good. That's all done. You did that with Jordan. Yeah. Alright. I'll just put you on while I just grab my handbag. Sure. Okay. Rodney, do you need me? Yes. Can you hear me? Yep.","start_word":4161,"end_word":4363,"sentiment":"neutral","sentiment_score":0.06923877220288874},{"text":"Perfect.","start_word":4364,"end_word":4364,"sentiment":"positive","sentiment_score":0.45272448658943176},{"text":"Yep.","start_word":4365,"end_word":4365,"sentiment":"neutral","sentiment_score":0.26172327995300293},{"text":"Alright. Perfect.","start_word":4366,"end_word":4367,"sentiment":"positive","sentiment_score":0.44911909103393555},{"text":"Now with your employment and contributions and stuff like that into super as well, So Yep. I can see here that you are self employed. Is Mhmm. it set up as a, like, a company structure, or how is it Yes. set up So we're for a Compass? we're an Australian company. We're registered with an ATM. Yep. I own 50% and I own, Mhmm. like at the time that our accountant set it up, is that essentially","start_word":4368,"end_word":4445,"sentiment":"neutral","sentiment_score":0.0533667728304863}],"average":{"sentiment":"neutral","sentiment_score":0.09313932342648788}}}}