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So sorry, Ian. You're breaking up. Yeah. I can. Sorry. The phone was breaking up a little bit. I do apologize. That's good. I had to now is okay? Fantastic. All good. How's your day been so far? Alright. Fantastic. Well, that works out quite well for you. And before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that one? Fantastic. And just to do security there with you as well, we just need to confirm your full name, your address, and date of birth we should have on file for you. Yes, please. Thank you. Sorry. Fantastic. Thank you so much for that. Ian, before we jump into your annual review, just sort of following up on any questions or anything that you might wanna sort of touch base on specifically. Did you have any questions or anything you wanted me to sort of focus on or just looking at how your sleep was doing? Yeah. Absolutely. Yeah. Absolutely. Now we're having a look back this time last year, your balance then was about 304,519. So having a look at how things have gone, your balance is now on that $340,003.62 mark. So when I kind of look at how that has performed, taking away any fees, so your net return is actually 8.32%. So it has done really well considering what we have seen in the market. We have seen a bit of volatility from this year. So very happy with that kind of return. Yeah. I'm glad you are too. No. Oh. Oh. Yeah. Sorry. Yep. Yep. Yes. No. Absolutely. And it's not just sort of what's been happening over with The US and Iran that's also been impacting the the market. It's also been a high inflation of what's been going on within the country. So we're sort of being hit on two ends. It's the war in Iran Iran that's sort of being focused on the equities portion of it. However, bonds and fixed interest also take a bit of a hit when you have high inflation, so it kind of affects all all markets. But, no, honestly, it has been a really good return. And looking at the way you are invested, you do have that growth environment, which sees 80% in growth investments. So things like Australian and international equities. We have property and the commodities in that kind of area, and then you generally see that 20% in defenses, the low risk investments like cash, bonds, and fixed interest. This sort of portfolio, you're sort of chasing an average return of about seven to 9%. So they come out with 8.32 net of fees, you have kind of come out in the middle of that average range there, which is good to see. So very happy with how that has performed. I did have a bit of a look at your investments individually to sort of see how everything was going. Everything has performed really well. You are up on most areas. Do and finding some of your best performers were obviously silver and gold. We have seen some really great increases in those areas there. But then also within just general equity, so US equities, your battery and lithium tech is up pretty high as well, which is good to see. I did sort of have a look at your Australian equities portion. So we did originally recommend that you go into the Bannelong Australian equities to give you some Australian equities exposure, and Bannelong is meant to be more of an actively managed fund. So the investment manager of that fund are trying to outperform against the market or the industries that they're tracking. This investment normally has about 15 to 20 different investment options in it. But when I'm sort of looking at your portfolio and how that has sort of, performed, it is down a little bit. So it's actually underperforming a little bit there at the moment. We are kind of going through individually and just sort of looking to swap that out and maybe do a bit of a rebalance on your portfolio. Would you like me to go back, have a look at that, see if there's something better we can swap it out with, and maybe look at rebalancing your portfolio if that needs to happen as well. Yeah. Fantastic. Now you mentioned that you're investing in your own name as well. I can see here you do have shares in Medibank. Do you have any other sort of investments or shares that you own in that other portfolio? Yep. Okay. Yeah. Yeah. Okay. Bit overvalued? Yeah. Yep. Okay. Yes. Yep. Yep. Yeah. No. That's okay. That's absolutely fine. Not a problem at all. Well, when I sort of look at swapping some investments out and maybe replacing that band along Australian equities, the main sort of one thing I wanna kinda gauge is are you wanting to because you are realistically young enough. You've got a lot of time of work before you're able to access your super. 60 is the earliest we're able to access super under the legislation currently if we fully retire. So, realistically, you could have I can swap it out with something that's also giving you some active management in there. Or if you wanted to, I could always look at a couple of investment options that we have that are more passively managed, maybe index funds or ETFs that might be lower cost but also provide greater diversification. What would you sort of like me to look at with your super and how to swap that investment out for you? Yeah. We still manage it. It's just about what we buy into the investments, whether we buy into, say, replacement along with another active manager or whether we maybe put put the money into more of an index fund to give you still Australian equities exposure, but the idea of having a passive managed fund is it tracks the market, and it can be cheaper. Both options are great for yourself, can give you your diversification, and can make your portfolio work harder. It just all comes down to what you're comfortable with. Do you wanna see more active management in your portfolio with active managers, or do you wanna sort of see a more of a low cost portfolio that still provides great diversification and and more importantly, lower fees? Tough one. Yep. Mhmm. Yeah. Yeah. Yeah. Either way yeah. That's okay. Not a problem at all. So if you like, we do have a couple of different options for active managers that we can look to replace them along with. I'm happy to have a look at those, look at how they have performed in the past, look at, obviously, the cost structure in comparison to your current portfolio, and, obviously, look at the weighting, things like that. And I could make a recommendation, update the advice to replace that investment. Does that sound okay? Yeah. Beautiful. We have a few different investment options both with active management in there and also with passive funds. So we have options either way to suit. It's more just a personal thing. Essentially, when you look at your super, your super is essentially just the vehicle. What gets you the returns is the underlying investments, and it's about having the underlying investments that, a, are working, b, you don't wanna be paying too much for those, but, c, you know, a diversified range of active active and passive managers. Not everyone kind of wants active management in their portfolio, Lifespanalong or another one's, Affinity. GlobalX have some really great active investments as well. But it more just comes down to when you're younger, you can take a bit more risk in the market, and that's essentially what active managers do. They take a bit more risk. They tend to have more less of a certain investment. So as an example, Bennelong have anywhere between 15 to 20 different investments depending on what they're invested in at a time. Whereas if you look at something like the a 200, that's tracking the top 200 companies on the ASX. The a 200 is more of a passive fund. It's tracking the market ups and downs. They're not buying and selling as much, and they're tracking the a two the Australian 200 index. Whereas, Benelon aren't really tracking an index as such. They're just buying in to suit what, you know, what they feel. They're looking at companies individually, and they're, you know, utilizing their analysts to decide when is a good time to buy. Is it the right time to sell a company? Is the company overvalued? And they're trying to time the market to buy into those positions. So that's where you kind of get that active management side of things in those investments like then along Australian equities. As you get a bit older, taking a little bit less risk in the market is really important. For yourself, because you're only 46 this year, you've still got a lot of time ahead of you. If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with. Does that sound okay? Does that make sense? Yeah. Perfect. Perfect. I'll also have a bit of a look at your portfolio as a whole. Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market. As you sort of said, you like that eighty twenty sort of split. So don't wanna, you know, make sure you're overexposed particular area. And it's also good for compounding to sort of cement a position and sell some investments and redistribute that growth of amongst the rest of your portfolio as well. So if you're comfortable, I can have a really good look at all of those options, Ian. I can look at reweighting your portfolio, see how everything's sort of working for you. When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved. You can take that away and have a really good look. Does that sound alright? Yeah. Beautiful. Do you have any additional questions in relation to your super or anything that we kind of gone through at all so far? Or At the moment, there's no changes to super to the super system with regards to capital gains or the trust stuff. It's all kind of outside of super, which we're sort of thankful for. Even with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the bills are gonna pass as they are, whether they're not gonna pass and or whether there's gonna be any changes to them. I did actually the other week was watching question time just to kinda see what they were doing, and it's quite interesting. There's a lot of questions being put out there with regard to the bills. A lot of, you know, opposition are coming and saying, well, how does this work if I have this scenario, this scenario, this scenario, is that going to, you know, affect me? Am I gonna be able to benefit? Am I not? And in all honesty, they're actually not really answering the question in any way, shape, or form. So I don't really know how they think this is supposed to work, but I think what we can kinda do at the moment is wait and see how this passes. If it passes, it may not. These are just bills at the moment. They may not go through. And if they do, they could go through with some changes. So I think it's important to sort of see what what happens there. At the moment, there's no none of these are affecting super, which is good to see. But they obviously do have the the dif two nine three tax, which is the the tax on the 3 mil. So if your balance ends up over 3 mil, there is an additional tax in super there. But right now, there's really nothing we can kinda do about that because we can't maneuver money. That would be something we wanna review around about the age of 60 or closer to retirement when your balance does increase to sort of see what's projected out there and if you're, you know, expected to kind of, you know, benefit or if you're meant to be affected by those sorts of taxation side of things. Yeah. Yeah. All good. All good. Yeah. It was quite interesting working everything. They really don't really know what's happening. And when you sort of look at the scenarios being proposed, all they're coming back with is just citing sections of the bill, and it's so broad. I don't even think they understand what they put forward at this one time. So we'll see what happens. Absolutely. Sorry. You're right. Yep. Okay. Yeah. No. It is that it's pricing out everyone very, very quickly. I know I've got two small kids myself, 19 and 20, and they're renting my investment property because, in all honesty, they can't afford. And I don't know how and when they're ever going to be able to afford without our assistance, and it's just really sad there. They're putting money away and trying to save for it, but we are a year, two years down the track, they get to their goal amount they've saved, and then they've gotta, you know, save a bit more because it's just not enough. Exactly. Yeah. It's just passing everyone out way too quickly. But who knows? We'll just wait and see what happens with all of this and see how it all works. But, yeah, there's still a lot of questions with what what's to come. It's all just a sit and watch and wait at the moment and see what comes out in the next few months with all these new bills. Yeah. All good. That's okay. You did kinda mention that you, you know, buying a house isn't something you wanna do before not really able to do before retirement. Is it something you do want to do down the track, maybe purchase a property or not really? You're sorta happy renting your parents' home and yeah. No. Yeah. Absolutely. Yep. Yeah. Yeah. Yeah. No. Absolutely. And when you sort of get to those retirement years, the last thing you want is to then take on another debt for another thirty odd years and the the risk of you having to work a little bit longer. Yeah. No. Completely understandable. I mean, it it we can leave it down here as a possibility of a goal down the track. You know, it's not something everybody wants. I've got friends who don't wanna ever buy a property. It's by no means their goal. They're just quite happy to, you know, work and travel and make memories and and rent. It doesn't sort of phase them in any way, shape, or form. So it's definitely an individual choice. And who knows? I mean, things could definitely change down the track, but that's absolutely fine. It would be nice to have some grasp over having a four year old. That's for sure. No. All good. I can see here you don't have any insurances paid out of your super no personal cover like life, TPD, income protection, trauma. I know in the past, we've kinda had a bit of a chat about those, but do you do you feel the need to have any kind of insurance? Because I know if you were to pass away, your super is paid out to your beneficiary as your death benefit. But when it comes to TPD, income protection, things like that, if you were unable to go to work, how do you think you'd sort of cover yourself in the short term or in the long term with TPD? Do you feel like you need any insurances, or they're not not a priority? Or yeah. Yep. Okay. No. That's absolutely fine. Yes. No. That's absolutely fine. And, I mean, you do have those investments outside of Super with the shares in your own name. So there is obviously that kind of buffer if you needed to as a worst case scenario. You could sort of fall back on that. I do like to sort of make sure I'm giving a bit of information as well. So if anything was to happen and you were to be unable to go back to work permanently, you can also claim TBD against your super, so it's permanent incapacity. Yeah. It does release the super to you to be able to draw down and live off. There is always that option as well. So not sure if you're aware of that. Just like to kinda make sure I'm giving you a bit of backup information. All good. You're right. So sorry. Did you wanna ask something? All good. All good. I just wanna run through this update all of your circumstances on file just to see if there's been any major changes. I had your income down as about 80,000. Is that still fairly accurate? This is from our last annual review, which was December 2024, so it's probably over a year old. Oh, yep. Fantastic. And we had here that you were able to save on a weekly basis about a $123. Are you still finding you're able to put funds away, or it's just not possible with the cost of living? Yep. No. That's okay. Yep. If you had to put it as a the last figure, what would you say you'd sort of consider it today? Sorry. Okay. Perfect. That's actually nice. Yeah. Excellent. Beautiful. And I have here so with your assets and liabilities being noted down, the shares that you did hold, that sort of Medibank tells to everything, we had a combined value roughly of 15,760 last time. What are your shares total value at the moment? I know that can change on a regular basis. Yep. And that yeah. And they're hard to log in to. If you're not overly sure, that's absolutely fine. Even just an approximate value would be fine. Not quite. Do you know how many shares you hold in each? Yep. Okay. So about 2,000 shares. Lovely. Yep. That's it. And that's Telstra and sorry. Telstra and Medibank, isn't it? Yeah. Yeah. Yeah. Yep. Beautiful. Not a problem. I can work it out for you and do an estimated cost. It's not a problem at all. Excellent. And that's 3,000 shares in each, you said. Sorry. Just so I have the right figures. Yep. Fantastic. I also know yeah. That's okay. Honestly, it's not a problem at all. I've also got down here that you are in a trust with your parents there as well. A rough valuation of the trust was about 430,000 last time we sort of checked in. Do you know what that might look like? Yep. $7.90. Fantastic. And that one's just your trust, and you're also in a trust with your parents as well or a beneficiary of your parents' trust. No. That's absolutely fine. I'll just make a note here that you're a beneficiary of that one as well. Easy. Not an issue. I've also got your two cars down. So we've got a 2014 Holden Commodore SV, rough valuation of 50,000 on that one. Okay. Oh, fantastic. Yep. Oh, fantastic. And what sort of value would you put on both those vehicles, do you think? That's okay. Yep. Yep. Beautiful. 70 3. Yep. Beautiful. And do you have loans on either of those vehicles or owned outright? Owned outright. Beautiful. Fantastic. I'll just note down those values as what your purchase price was for them. Essentially, when we're looking at value, it's more just what value it is to you if you had to sell the the vehicle. What would you want for it essentially? So if you're gonna just purchase them, you're probably gonna want as close to the value or as close to what you paid as possible. So I can note that down for you. I also have down here another 2,014 Holden Commodore SV with a value of 15,000. Do you still have the other Commodore at all, or do you get rid of both of those? They're both they're both of them say 2014, but they had different asset values. Yep. Okay. Yep. Beautiful. We'll get rid of that one. Fantastic. And any other cars, boats, or caravans, or anything else of value? No. Beautiful. And you're renting at the moment. How much rent are you guys paying on a regular basis, weekly or fortnightly? Yeah. You're right. You're fine. $5.25. Beautiful. Thank you for that. The other thing I had noted down here, I just wanted to sort of follow her through, was looking at your estate planning as well. So I've just had a look at your super. I can see you don't have a beneficiary nomination applied there at the moment. So it's something I do wanna help you. That's okay. I can absolutely help you to have that fixed up if you like. If you're comfortable, are you happy with me getting the information for you today? My team can prefill the beneficiary nomination out for you with the details, and then we can send it to you just to be signed and witnessed and returned back. Is that okay? Fantastic. Now just confirming, in the event of passing, you're super to pay it out to. Who would you like it to go to? Fantastic. And I've got Candice's details here. Address is the same as yourself there. Beautiful. And what's her date of birth? Beautiful. Sorry to put you on the spot there. All good. And I've just ticked the box here for spouse, and she identifies as a female. Just confirming. Yep. Lovely. Fantastic. And just with this type of beneficiary nominations, you can have several different types. The first one is nonbinding. That essentially means that you make the nomination, but in the event of passing, the trustee actually gets to decide where the benefit is paid to. You can also have it binding lapsing, which means you have to pre fulfill the form every three years, or we can do it binding, non lapsing. The trustee follows the direction, and you never have to fill the format again once it's been applied. What would you like me to stick? Yeah. Beautiful. Excellent. So what I'll do is I'll get my team to prefill the document for you to make it nice and easy. They'll send it out to you. Is it easier to do post or email or both? What would you prefer? Email. It will have to be wet signed, though. So it'll have to be printed and signed because these are are legal documents. They do have a lot of stipulations around these being wet signed, so we'll have to ask you to print it, sign it, have a witness. Candice can't be a witness. So if you just have couple of neighbors or friends or family members that can just sign the same day that you do, then that'll be easier for you. And then just shoot it straight back to us, and we'll make sure it's applied there for you. We'll check the form, and if there's any issues, we'll make sure we let you know. Is that okay? Yep. Beautiful. And, hopefully, nothing happens. But in the event of something occurring, just wanna make life a little bit easier for Candice there for you. Excellent. Fantastic. And looking forward to to, you know, super retirement goals. Just wanted to kind of update there. I don't really have a lot sort of noted in the back end. You had some holidays over the past few years that you were working towards. I believe in '20 '32, you were wanting to go to The US. Is that right still? Or yep. Yeah. Yeah. No. Absolutely. And with your super goals there, are you hoping to sorta access super around about the age of six sixty trying to access it as early as physically possible, or do you Yep. Beautiful. And with your investments you have in your own name and your trust and things like that, are you sorta hoping to keep those long term to provide additional income to supplement with super, or do you think yep. Yep. Beautiful. Excellent. Extra income. And is there any other goals that you're looking to sort of achieve? Oh, wow. Yep. Oh, fantastic. And is are you still gonna sort of keep your current role and do that as well, or are you sort of hoping to transition into that? What's your goal with the business? Yep. Yeah. Yeah. Yeah. Absolutely. And because you're a purchasing officer in your current role, is that still right? Yeah. Beautiful. And, look, honestly, that's the best way to do it. My husband does the same thing. He works in one role and then has his business on the side and just sort of builds up that client base. It means that you're sort of working seven days a week sometimes, but you're kinda building that client base and building things up around your current role without the stress of having to still cover bills and where's money coming from. So it's definitely not a bad way to build that. And, hopefully, it all works for you when you're able to transition full time. So remedial massage sounds exciting. Oh, that's good. Oh, that's really good. That's fantastic. It'll be a very different role to what you're doing now. That's for sure. Yeah. Yeah. Yeah. Yes. Yeah. Oh, fantastic. No. It's really good. It's really funny. You're kind of in our twenties and thirties and forties. We sort of try to find that space. You try something you don't like, you do something else. And, I mean, I know people in their fifties and sixties who are still going back and trying to figure out what their passion is. So the fact that you found that is really exciting. I'm really happy for you. Yeah. No worries. The last thing to do is just to kinda do a quick risk profile questionnaire. I've already been able to prefill some of the answers because you do have investments outside of Super, and you do have more than ten years before you're able to access your Super at this point. I've ticked off the box that you're looking to try and obtain the best return possible from your sofa. But the last one to sort of look at is if we saw a market dip, say, 20%, if we saw, like, a GFC style event or something like COVID in the next year or two or three. How do you think that might make you feel? Are you okay with it? It's probably a buying opportunity. You wanna put some more money into the market. Are you just holding weight, or are you a salesperson? Sorry. Yeah. Then fantastic. Excellent. And when you consider the the the risk versus reward balance, do you consider yourself comfortable taking on the highest level of risk possible, try and get the best returns you can? Are you more in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can, or not willing to take a lot of risk in the market? How do you sort of fit yourself in that area? More than more than super. Yeah. Yeah. More than super. Yeah. Yep. Yep. So you'd say maybe in between one and two there? Yep. Yep. Perfect. Excellent. And drops in your super balance, you know, we've got a bit of time ahead of us here. Do you feel like they you wouldn't really feel overly concerned? You know, markets recover and come back. It's more of a buying opportunity. You sort of not really too worried about drops in your super balance at the moment. Is that right, or would you be more concerned? Mhmm. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. No. Yeah. Yep. Fantastic. Thank you. It doesn't? Yes. Yes. Mhmm. Yep. Fantastic. No. Really good to hear that you're happy with how things are going. And, look, I'll be always always very honest with you. When the market is doing well well, I'll let you know. However, when the market is down, why it is down, I'll be honest with you and tell you that that's a factor as well. So, yeah, good to do these reviews. Moving forward, did you wanna do a bit of catch up in about three months, six months? Are you happy just for an annual review? How often would you like to see a catch up this year? Yeah. No. I'm really sorry about that. It looks like we were a little bit behind, and we came across yours. I was like, oh, no. We need to get this one in now. So giving you a quick call. So, absolutely, I do apologize that it has been late, and I'm so, so very sorry about that. Did you did you just want me to make sure I touch base in six months or twelve months with you just to sort of make sure that moving forward that that doesn't get missed again, or what would you like? Six months? Six months? Yeah. Beautiful. Not a problem. And in the meantime, I'll get cracking on that advice. We'll limit scope that to the investments, looking at, you know, swapping out for you, doing a bit of a rebalance if we need to as well. I'll get that advice sorted. My team will give you a call in a couple of weeks and book you back in to go through that with me, and then you can let me know what you wanna do moving forward. I will also send out after the call your annual review documents to you. It has the the balance, the investment returns, the internal rate of return report for you to review. It's also got a tax file opt in form that we just need to get signed and returned. So we hold your tax file number. We just wanna make sure you're aware of how and why so we have that form attached there for you. And if you're still happy to stay on board and be a client, we've also got the ongoing service agreement for the next twelve months there as well, which you've seen pretty well across the fee structure and how that works. Did you have any extra questions or anything that you wanted me to sort of follow-up on for you? Or Yep. Yep. So with the you make the contribution straight into the super fund. Do you have the contributions details to make that into the super? Yep. That's yep. Yep. That's okay. Did you want me to send you an email with the the contributions details, the EFT or the BP information, or are you okay finding that in your super fund? Yep. Absolutely. And that way, you'll have my email there. So once you've made the contribution in, if you can email me, let me know. My team can go in there. We don't with Hub twenty four, it's nice. We don't need to sign a form anymore. You just tell me how much you've made that you wanna claim the notice of intent, and we can physically go in there and do that for you without signing a form to make it easier. Yeah. Much easier process now than having to sign that form. Beautiful. Well, I'll follow-up with the email there with the contributions details. And if you can just let me know once you've made that contribution, that'd be great, and we'll get the beneficiary nomination set up and sent out for you as well. Okay? Fantastic. Not a problem. It's been an absolute pleasure. I really appreciate it. I've sent you annual review documents through to you. If you can have a good review of those and sign and return them back when you're able to, that would be fantastic. And if you finally have any questions, Ian, please let me know, and I'll make sure we have a six month catch up in the calendar for you as well. Okay? My pleasure. Enjoy your day. I hope you have a great afternoon. Thanks. See you later. 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Ian. This is Dana from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had to book in to go through your annual review state. Is now still a good time there for you? So sorry, Ian. You're breaking up. Yeah.\n\nI can. Sorry. The phone was breaking up a little bit. I do apologize. That's good.\n\nI had to now is okay? Fantastic. All good. How's your day been so far? Alright.\n\nFantastic. Well, that works out quite well for you. And before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that one? Fantastic.\n\nAnd just to do security there with you as well, we just need to confirm your full name, your address, and date of birth we should have on file for you. Yes, please. Thank you. Sorry. Fantastic.\n\nThank you so much for that. Ian, before we jump into your annual review, just sort of following up on any questions or anything that you might wanna sort of touch base on specifically. Did you have any questions or anything you wanted me to sort of focus on or just looking at how your sleep was doing? Yeah. Absolutely.\n\nYeah. Absolutely. Now we're having a look back this time last year, your balance then was about 304,519. So having a look at how things have gone, your balance is now on that $340,003.62 mark. So when I kind of look at how that has performed, taking away any fees, so your net return is actually 8.32%.\n\nSo it has done really well considering what we have seen in the market. We have seen a bit of volatility from this year. So very happy with that kind of return. Yeah. I'm glad you are too.\n\nNo. Oh. Oh. Yeah. Sorry.\n\nYep. Yep. Yes. No. Absolutely.\n\nAnd it's not just sort of what's been happening over with The US and Iran that's also been impacting the the market. It's also been a high inflation of what's been going on within the country. So we're sort of being hit on two ends. It's the war in Iran Iran that's sort of being focused on the equities portion of it. However, bonds and fixed interest also take a bit of a hit when you have high inflation, so it kind of affects all all markets.\n\nBut, no, honestly, it has been a really good return. And looking at the way you are invested, you do have that growth environment, which sees 80% in growth investments. So things like Australian and international equities. We have property and the commodities in that kind of area, and then you generally see that 20% in defenses, the low risk investments like cash, bonds, and fixed interest. This sort of portfolio, you're sort of chasing an average return of about seven to 9%.\n\nSo they come out with 8.32 net of fees, you have kind of come out in the middle of that average range there, which is good to see. So very happy with how that has performed. I did have a bit of a look at your investments individually to sort of see how everything was going. Everything has performed really well. You are up on most areas.\n\nDo and finding some of your best performers were obviously silver and gold. We have seen some really great increases in those areas there. But then also within just general equity, so US equities, your battery and lithium tech is up pretty high as well, which is good to see. I did sort of have a look at your Australian equities portion. So we did originally recommend that you go into the Bannelong Australian equities to give you some Australian equities exposure, and Bannelong is meant to be more of an actively managed fund.\n\nSo the investment manager of that fund are trying to outperform against the market or the industries that they're tracking. This investment normally has about 15 to 20 different investment options in it. But when I'm sort of looking at your portfolio and how that has sort of, performed, it is down a little bit. So it's actually underperforming a little bit there at the moment. We are kind of going through individually and just sort of looking to swap that out and maybe do a bit of a rebalance on your portfolio.\n\nWould you like me to go back, have a look at that, see if there's something better we can swap it out with, and maybe look at rebalancing your portfolio if that needs to happen as well. Yeah. Fantastic. Now you mentioned that you're investing in your own name as well. I can see here you do have shares in Medibank.\n\nDo you have any other sort of investments or shares that you own in that other portfolio? Yep. Okay. Yeah. Yeah.\n\nOkay. Bit overvalued? Yeah. Yep. Okay.\n\nYes. Yep. Yep. Yeah. No.\n\nThat's okay. That's absolutely fine. Not a problem at all. Well, when I sort of look at swapping some investments out and maybe replacing that band along Australian equities, the main sort of one thing I wanna kinda gauge is are you wanting to because you are realistically young enough. You've got a lot of time of work before you're able to access your super.\n\n60 is the earliest we're able to access super under the legislation currently if we fully retire. So, realistically, you could have I can swap it out with something that's also giving you some active management in there. Or if you wanted to, I could always look at a couple of investment options that we have that are more passively managed, maybe index funds or ETFs that might be lower cost but also provide greater diversification. What would you sort of like me to look at with your super and how to swap that investment out for you? Yeah.\n\nWe still manage it. It's just about what we buy into the investments, whether we buy into, say, replacement along with another active manager or whether we maybe put put the money into more of an index fund to give you still Australian equities exposure, but the idea of having a passive managed fund is it tracks the market, and it can be cheaper. Both options are great for yourself, can give you your diversification, and can make your portfolio work harder. It just all comes down to what you're comfortable with. Do you wanna see more active management in your portfolio with active managers, or do you wanna sort of see a more of a low cost portfolio that still provides great diversification and and more importantly, lower fees?\n\nTough one. Yep. Mhmm. Yeah. Yeah.\n\nYeah. Either way yeah. That's okay. Not a problem at all. So if you like, we do have a couple of different options for active managers that we can look to replace them along with.\n\nI'm happy to have a look at those, look at how they have performed in the past, look at, obviously, the cost structure in comparison to your current portfolio, and, obviously, look at the weighting, things like that. And I could make a recommendation, update the advice to replace that investment. Does that sound okay? Yeah. Beautiful.\n\nWe have a few different investment options both with active management in there and also with passive funds. So we have options either way to suit. It's more just a personal thing. Essentially, when you look at your super, your super is essentially just the vehicle. What gets you the returns is the underlying investments, and it's about having the underlying investments that, a, are working, b, you don't wanna be paying too much for those, but, c, you know, a diversified range of active active and passive managers.\n\nNot everyone kind of wants active management in their portfolio, Lifespanalong or another one's, Affinity. GlobalX have some really great active investments as well. But it more just comes down to when you're younger, you can take a bit more risk in the market, and that's essentially what active managers do. They take a bit more risk. They tend to have more less of a certain investment.\n\nSo as an example, Bennelong have anywhere between 15 to 20 different investments depending on what they're invested in at a time. Whereas if you look at something like the a 200, that's tracking the top 200 companies on the ASX. The a 200 is more of a passive fund. It's tracking the market ups and downs. They're not buying and selling as much, and they're tracking the a two the Australian 200 index.\n\nWhereas, Benelon aren't really tracking an index as such. They're just buying in to suit what, you know, what they feel. They're looking at companies individually, and they're, you know, utilizing their analysts to decide when is a good time to buy. Is it the right time to sell a company? Is the company overvalued?\n\nAnd they're trying to time the market to buy into those positions. So that's where you kind of get that active management side of things in those investments like then along Australian equities. As you get a bit older, taking a little bit less risk in the market is really important. For yourself, because you're only 46 this year, you've still got a lot of time ahead of you. If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with.\n\nDoes that sound okay? Does that make sense? Yeah. Perfect. Perfect.\n\nI'll also have a bit of a look at your portfolio as a whole. Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market. As you sort of said, you like that eighty twenty sort of split. So don't wanna, you know, make sure you're overexposed particular area. And it's also good for compounding to sort of cement a position and sell some investments and redistribute that growth of amongst the rest of your portfolio as well.\n\nSo if you're comfortable, I can have a really good look at all of those options, Ian. I can look at reweighting your portfolio, see how everything's sort of working for you. When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved. You can take that away and have a really good look. Does that sound alright?\n\nYeah. Beautiful. Do you have any additional questions in relation to your super or anything that we kind of gone through at all so far? Or At the moment, there's no changes to super to the super system with regards to capital gains or the trust stuff. It's all kind of outside of super, which we're sort of thankful for.\n\nEven with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the bills are gonna pass as they are, whether they're not gonna pass and or whether there's gonna be any changes to them. I did actually the other week was watching question time just to kinda see what they were doing, and it's quite interesting. There's a lot of questions being put out there with regard to the bills. A lot of, you know, opposition are coming and saying, well, how does this work if I have this scenario, this scenario, this scenario, is that going to, you know, affect me? Am I gonna be able to benefit?\n\nAm I not? And in all honesty, they're actually not really answering the question in any way, shape, or form. So I don't really know how they think this is supposed to work, but I think what we can kinda do at the moment is wait and see how this passes. If it passes, it may not. These are just bills at the moment.\n\nThey may not go through. And if they do, they could go through with some changes. So I think it's important to sort of see what what happens there. At the moment, there's no none of these are affecting super, which is good to see. But they obviously do have the the dif two nine three tax, which is the the tax on the 3 mil.\n\nSo if your balance ends up over 3 mil, there is an additional tax in super there. But right now, there's really nothing we can kinda do about that because we can't maneuver money. That would be something we wanna review around about the age of 60 or closer to retirement when your balance does increase to sort of see what's projected out there and if you're, you know, expected to kind of, you know, benefit or if you're meant to be affected by those sorts of taxation side of things. Yeah. Yeah.\n\nAll good. All good. Yeah. It was quite interesting working everything. They really don't really know what's happening.\n\nAnd when you sort of look at the scenarios being proposed, all they're coming back with is just citing sections of the bill, and it's so broad. I don't even think they understand what they put forward at this one time. So we'll see what happens. Absolutely. Sorry.\n\nYou're right. Yep. Okay. Yeah. No.\n\nIt is that it's pricing out everyone very, very quickly. I know I've got two small kids myself, 19 and 20, and they're renting my investment property because, in all honesty, they can't afford. And I don't know how and when they're ever going to be able to afford without our assistance, and it's just really sad there. They're putting money away and trying to save for it, but we are a year, two years down the track, they get to their goal amount they've saved, and then they've gotta, you know, save a bit more because it's just not enough. Exactly.\n\nYeah. It's just passing everyone out way too quickly. But who knows? We'll just wait and see what happens with all of this and see how it all works. But, yeah, there's still a lot of questions with what what's to come.\n\nIt's all just a sit and watch and wait at the moment and see what comes out in the next few months with all these new bills. Yeah. All good. That's okay. You did kinda mention that you, you know, buying a house isn't something you wanna do before not really able to do before retirement.\n\nIs it something you do want to do down the track, maybe purchase a property or not really? You're sorta happy renting your parents' home and yeah. No. Yeah. Absolutely.\n\nYep. Yeah. Yeah. Yeah. No.\n\nAbsolutely. And when you sort of get to those retirement years, the last thing you want is to then take on another debt for another thirty odd years and the the risk of you having to work a little bit longer. Yeah. No. Completely understandable.\n\nI mean, it it we can leave it down here as a possibility of a goal down the track. You know, it's not something everybody wants. I've got friends who don't wanna ever buy a property. It's by no means their goal. They're just quite happy to, you know, work and travel and make memories and and rent.\n\nIt doesn't sort of phase them in any way, shape, or form. So it's definitely an individual choice. And who knows? I mean, things could definitely change down the track, but that's absolutely fine. It would be nice to have some grasp over having a four year old.\n\nThat's for sure. No. All good. I can see here you don't have any insurances paid out of your super no personal cover like life, TPD, income protection, trauma. I know in the past, we've kinda had a bit of a chat about those, but do you do you feel the need to have any kind of insurance?\n\nBecause I know if you were to pass away, your super is paid out to your beneficiary as your death benefit. But when it comes to TPD, income protection, things like that, if you were unable to go to work, how do you think you'd sort of cover yourself in the short term or in the long term with TPD? Do you feel like you need any insurances, or they're not not a priority? Or yeah. Yep.\n\nOkay. No. That's absolutely fine. Yes. No.\n\nThat's absolutely fine. And, I mean, you do have those investments outside of Super with the shares in your own name. So there is obviously that kind of buffer if you needed to as a worst case scenario. You could sort of fall back on that. I do like to sort of make sure I'm giving a bit of information as well.\n\nSo if anything was to happen and you were to be unable to go back to work permanently, you can also claim TBD against your super, so it's permanent incapacity. Yeah. It does release the super to you to be able to draw down and live off. There is always that option as well. So not sure if you're aware of that.\n\nJust like to kinda make sure I'm giving you a bit of backup information. All good. You're right. So sorry. Did you wanna ask something?\n\nAll good. All good. I just wanna run through this update all of your circumstances on file just to see if there's been any major changes. I had your income down as about 80,000. Is that still fairly accurate?\n\nThis is from our last annual review, which was December 2024, so it's probably over a year old. Oh, yep. Fantastic. And we had here that you were able to save on a weekly basis about a $123. Are you still finding you're able to put funds away, or it's just not possible with the cost of living?\n\nYep. No. That's okay. Yep. If you had to put it as a the last figure, what would you say you'd sort of consider it today?\n\nSorry. Okay. Perfect. That's actually nice. Yeah.\n\nExcellent. Beautiful. And I have here so with your assets and liabilities being noted down, the shares that you did hold, that sort of Medibank tells to everything, we had a combined value roughly of 15,760 last time. What are your shares total value at the moment? I know that can change on a regular basis.\n\nYep. And that yeah. And they're hard to log in to. If you're not overly sure, that's absolutely fine. Even just an approximate value would be fine.\n\nNot quite. Do you know how many shares you hold in each? Yep. Okay. So about 2,000 shares.\n\nLovely. Yep. That's it. And that's Telstra and sorry. Telstra and Medibank, isn't it?\n\nYeah. Yeah. Yeah. Yep. Beautiful.\n\nNot a problem. I can work it out for you and do an estimated cost. It's not a problem at all. Excellent. And that's 3,000 shares in each, you said.\n\nSorry. Just so I have the right figures. Yep. Fantastic. I also know yeah.\n\nThat's okay. Honestly, it's not a problem at all. I've also got down here that you are in a trust with your parents there as well. A rough valuation of the trust was about 430,000 last time we sort of checked in. Do you know what that might look like?\n\nYep. $7.90. Fantastic. And that one's just your trust, and you're also in a trust with your parents as well or a beneficiary of your parents' trust. No.\n\nThat's absolutely fine. I'll just make a note here that you're a beneficiary of that one as well. Easy. Not an issue. I've also got your two cars down.\n\nSo we've got a 2014 Holden Commodore SV, rough valuation of 50,000 on that one. Okay. Oh, fantastic. Yep. Oh, fantastic.\n\nAnd what sort of value would you put on both those vehicles, do you think? That's okay. Yep. Yep. Beautiful.\n\n70 3. Yep. Beautiful. And do you have loans on either of those vehicles or owned outright? Owned outright.\n\nBeautiful. Fantastic. I'll just note down those values as what your purchase price was for them. Essentially, when we're looking at value, it's more just what value it is to you if you had to sell the the vehicle. What would you want for it essentially?\n\nSo if you're gonna just purchase them, you're probably gonna want as close to the value or as close to what you paid as possible. So I can note that down for you. I also have down here another 2,014 Holden Commodore SV with a value of 15,000. Do you still have the other Commodore at all, or do you get rid of both of those? They're both they're both of them say 2014, but they had different asset values.\n\nYep. Okay. Yep. Beautiful. We'll get rid of that one.\n\nFantastic. And any other cars, boats, or caravans, or anything else of value? No. Beautiful. And you're renting at the moment.\n\nHow much rent are you guys paying on a regular basis, weekly or fortnightly? Yeah. You're right. You're fine. $5.25.\n\nBeautiful. Thank you for that. The other thing I had noted down here, I just wanted to sort of follow her through, was looking at your estate planning as well. So I've just had a look at your super. I can see you don't have a beneficiary nomination applied there at the moment.\n\nSo it's something I do wanna help you. That's okay. I can absolutely help you to have that fixed up if you like. If you're comfortable, are you happy with me getting the information for you today? My team can prefill the beneficiary nomination out for you with the details, and then we can send it to you just to be signed and witnessed and returned back.\n\nIs that okay? Fantastic. Now just confirming, in the event of passing, you're super to pay it out to. Who would you like it to go to? Fantastic.\n\nAnd I've got Candice's details here. Address is the same as yourself there. Beautiful. And what's her date of birth? Beautiful.\n\nSorry to put you on the spot there. All good. And I've just ticked the box here for spouse, and she identifies as a female. Just confirming. Yep.\n\nLovely. Fantastic. And just with this type of beneficiary nominations, you can have several different types. The first one is nonbinding. That essentially means that you make the nomination, but in the event of passing, the trustee actually gets to decide where the benefit is paid to.\n\nYou can also have it binding lapsing, which means you have to pre fulfill the form every three years, or we can do it binding, non lapsing. The trustee follows the direction, and you never have to fill the format again once it's been applied. What would you like me to stick? Yeah. Beautiful.\n\nExcellent. So what I'll do is I'll get my team to prefill the document for you to make it nice and easy. They'll send it out to you. Is it easier to do post or email or both? What would you prefer?\n\nEmail. It will have to be wet signed, though. So it'll have to be printed and signed because these are are legal documents. They do have a lot of stipulations around these being wet signed, so we'll have to ask you to print it, sign it, have a witness. Candice can't be a witness.\n\nSo if you just have couple of neighbors or friends or family members that can just sign the same day that you do, then that'll be easier for you. And then just shoot it straight back to us, and we'll make sure it's applied there for you. We'll check the form, and if there's any issues, we'll make sure we let you know. Is that okay? Yep.\n\nBeautiful. And, hopefully, nothing happens. But in the event of something occurring, just wanna make life a little bit easier for Candice there for you. Excellent. Fantastic.\n\nAnd looking forward to to, you know, super retirement goals. Just wanted to kind of update there. I don't really have a lot sort of noted in the back end. You had some holidays over the past few years that you were working towards. I believe in '20 '32, you were wanting to go to The US.\n\nIs that right still? Or yep. Yeah. Yeah. No.\n\nAbsolutely. And with your super goals there, are you hoping to sorta access super around about the age of six sixty trying to access it as early as physically possible, or do you Yep. Beautiful. And with your investments you have in your own name and your trust and things like that, are you sorta hoping to keep those long term to provide additional income to supplement with super, or do you think yep. Yep.\n\nBeautiful. Excellent. Extra income. And is there any other goals that you're looking to sort of achieve? Oh, wow.\n\nYep. Oh, fantastic. And is are you still gonna sort of keep your current role and do that as well, or are you sort of hoping to transition into that? What's your goal with the business? Yep.\n\nYeah. Yeah. Yeah. Absolutely. And because you're a purchasing officer in your current role, is that still right?\n\nYeah. Beautiful. And, look, honestly, that's the best way to do it. My husband does the same thing. He works in one role and then has his business on the side and just sort of builds up that client base.\n\nIt means that you're sort of working seven days a week sometimes, but you're kinda building that client base and building things up around your current role without the stress of having to still cover bills and where's money coming from. So it's definitely not a bad way to build that. And, hopefully, it all works for you when you're able to transition full time. So remedial massage sounds exciting. Oh, that's good.\n\nOh, that's really good. That's fantastic. It'll be a very different role to what you're doing now. That's for sure. Yeah.\n\nYeah. Yeah. Yes. Yeah. Oh, fantastic.\n\nNo. It's really good. It's really funny. You're kind of in our twenties and thirties and forties. We sort of try to find that space.\n\nYou try something you don't like, you do something else. And, I mean, I know people in their fifties and sixties who are still going back and trying to figure out what their passion is. So the fact that you found that is really exciting. I'm really happy for you. Yeah.\n\nNo worries. The last thing to do is just to kinda do a quick risk profile questionnaire. I've already been able to prefill some of the answers because you do have investments outside of Super, and you do have more than ten years before you're able to access your Super at this point. I've ticked off the box that you're looking to try and obtain the best return possible from your sofa. But the last one to sort of look at is if we saw a market dip, say, 20%, if we saw, like, a GFC style event or something like COVID in the next year or two or three.\n\nHow do you think that might make you feel? Are you okay with it? It's probably a buying opportunity. You wanna put some more money into the market. Are you just holding weight, or are you a salesperson?\n\nSorry. Yeah. Then fantastic. Excellent. And when you consider the the the risk versus reward balance, do you consider yourself comfortable taking on the highest level of risk possible, try and get the best returns you can?\n\nAre you more in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can, or not willing to take a lot of risk in the market? How do you sort of fit yourself in that area? More than more than super. Yeah. Yeah.\n\nMore than super. Yeah. Yep. Yep. So you'd say maybe in between one and two there?\n\nYep. Yep. Perfect. Excellent. And drops in your super balance, you know, we've got a bit of time ahead of us here.\n\nDo you feel like they you wouldn't really feel overly concerned? You know, markets recover and come back. It's more of a buying opportunity. You sort of not really too worried about drops in your super balance at the moment. Is that right, or would you be more concerned?\n\nMhmm. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. No. Yeah. Yep.\n\nFantastic. Thank you. It doesn't? Yes. Yes.\n\nMhmm. Yep. Fantastic. No. Really good to hear that you're happy with how things are going.\n\nAnd, look, I'll be always always very honest with you. When the market is doing well well, I'll let you know. However, when the market is down, why it is down, I'll be honest with you and tell you that that's a factor as well. So, yeah, good to do these reviews. Moving forward, did you wanna do a bit of catch up in about three months, six months?\n\nAre you happy just for an annual review? How often would you like to see a catch up this year? Yeah. No. I'm really sorry about that.\n\nIt looks like we were a little bit behind, and we came across yours. I was like, oh, no. We need to get this one in now. So giving you a quick call. So, absolutely, I do apologize that it has been late, and I'm so, so very sorry about that.\n\nDid you did you just want me to make sure I touch base in six months or twelve months with you just to sort of make sure that moving forward that that doesn't get missed again, or what would you like? Six months? Six months? Yeah. Beautiful.\n\nNot a problem. And in the meantime, I'll get cracking on that advice. We'll limit scope that to the investments, looking at, you know, swapping out for you, doing a bit of a rebalance if we need to as well. I'll get that advice sorted. My team will give you a call in a couple of weeks and book you back in to go through that with me, and then you can let me know what you wanna do moving forward.\n\nI will also send out after the call your annual review documents to you. It has the the balance, the investment returns, the internal rate of return report for you to review. It's also got a tax file opt in form that we just need to get signed and returned. So we hold your tax file number. We just wanna make sure you're aware of how and why so we have that form attached there for you.\n\nAnd if you're still happy to stay on board and be a client, we've also got the ongoing service agreement for the next twelve months there as well, which you've seen pretty well across the fee structure and how that works. Did you have any extra questions or anything that you wanted me to sort of follow-up on for you? Or Yep. Yep. So with the you make the contribution straight into the super fund.\n\nDo you have the contributions details to make that into the super? Yep. That's yep. Yep. That's okay.\n\nDid you want me to send you an email with the the contributions details, the EFT or the BP information, or are you okay finding that in your super fund? Yep. Absolutely. And that way, you'll have my email there. So once you've made the contribution in, if you can email me, let me know.\n\nMy team can go in there. We don't with Hub twenty four, it's nice. We don't need to sign a form anymore. You just tell me how much you've made that you wanna claim the notice of intent, and we can physically go in there and do that for you without signing a form to make it easier. Yeah.\n\nMuch easier process now than having to sign that form. Beautiful. Well, I'll follow-up with the email there with the contributions details. And if you can just let me know once you've made that contribution, that'd be great, and we'll get the beneficiary nomination set up and sent out for you as well. Okay?\n\nFantastic. Not a problem. It's been an absolute pleasure. I really appreciate it. I've sent you annual review documents through to you.\n\nIf you can have a good review of those and sign and return them back when you're able to, that would be fantastic. And if you finally have any questions, Ian, please let me know, and I'll make sure we have a six month catch up in the calendar for you as well. Okay? My pleasure. Enjoy your day.\n\nI hope you have a great afternoon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ian.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.18047931790351868},{"text":"This is Dana from OQ Financial.","start":7.8399997,"end":9.46,"sentiment":"neutral","sentiment_score":0.20412824799617132},{"text":"How are you this afternoon?","start":9.5199995,"end":10.66,"sentiment":"neutral","sentiment_score":0.264109143614769},{"text":"I'm very well.","start":12.575001,"end":13.295,"sentiment":"positive","sentiment_score":0.6357905268669128},{"text":"Thank you.","start":13.295,"end":13.8550005,"sentiment":"positive","sentiment_score":0.6621667146682739}],"sentiment":"positive","sentiment_score":0.3409988250997331,"num_words":18,"start":7.3599997,"end":13.8550005},{"sentences":[{"text":"I had to book in to go through your annual review state.","start":13.8550005,"end":16.095001,"sentiment":"neutral","sentiment_score":0.21793502445022264},{"text":"Is now still a good time there for you?","start":16.095001,"end":18.115,"sentiment":"neutral","sentiment_score":0.1982412983973821},{"text":"So sorry, Ian.","start":24.75,"end":25.470001,"sentiment":"neutral","sentiment_score":-0.015089469651381174},{"text":"You're breaking up.","start":25.470001,"end":26.27,"sentiment":"neutral","sentiment_score":-0.06841666499773662},{"text":"Yeah.","start":26.27,"end":26.43,"sentiment":"neutral","sentiment_score":-0.012898978777229786}],"sentiment":"neutral","sentiment_score":0.1477133784376617,"num_words":28,"start":13.8550005,"end":26.43},{"sentences":[{"text":"I can.","start":26.43,"end":26.83,"sentiment":"neutral","sentiment_score":-0.010799493174999952},{"text":"Sorry.","start":26.83,"end":27.07,"sentiment":"neutral","sentiment_score":-0.06939682364463806},{"text":"The phone was breaking up a little bit.","start":27.07,"end":28.27,"sentiment":"neutral","sentiment_score":-0.18238925747573376},{"text":"I do apologize.","start":28.27,"end":29.09,"sentiment":"neutral","sentiment_score":-0.08852913479010265},{"text":"That's good.","start":30.75,"end":31.310001,"sentiment":"neutral","sentiment_score":0.16133983433246613}],"sentiment":"neutral","sentiment_score":-0.09331360034411773,"num_words":16,"start":26.43,"end":31.310001},{"sentences":[{"text":"I had to now is okay?","start":31.310001,"end":33.79,"sentiment":"neutral","sentiment_score":0.0470895708228151},{"text":"Fantastic.","start":33.79,"end":34.29,"sentiment":"positive","sentiment_score":0.4379672408103943},{"text":"All good.","start":34.83,"end":35.39,"sentiment":"positive","sentiment_score":0.4093158096075058},{"text":"How's your day been so far?","start":35.39,"end":37.17,"sentiment":"neutral","sentiment_score":0.3043445597092311},{"text":"Alright.","start":41.695,"end":42.175,"sentiment":"neutral","sentiment_score":0.3046010434627533}],"sentiment":"neutral","sentiment_score":0.22936279291752726,"num_words":16,"start":31.310001,"end":42.175},{"sentences":[{"text":"Fantastic.","start":42.175,"end":42.675,"sentiment":"positive","sentiment_score":0.615638256072998},{"text":"Well, that works out quite well for you.","start":42.895,"end":45.075,"sentiment":"positive","sentiment_score":0.6326811462640762},{"text":"And before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":46.335,"end":50.895,"sentiment":"neutral","sentiment_score":0.1450817273421721},{"text":"Are you happy for us to proceed with that one?","start":50.895,"end":53.1,"sentiment":"neutral","sentiment_score":0.18713318556547165},{"text":"Fantastic.","start":54.78,"end":55.28,"sentiment":"positive","sentiment_score":0.3899140954017639}],"sentiment":"neutral","sentiment_score":0.2650031280659494,"num_words":42,"start":42.175,"end":55.28},{"sentences":[{"text":"And just to do security there with you as well, we just need to confirm your full name, your address, and date of birth we should have on file for you.","start":55.34,"end":61.519997,"sentiment":"neutral","sentiment_score":0.19809122864277132},{"text":"Yes, please.","start":68.875,"end":69.354996,"sentiment":"neutral","sentiment_score":0.059056032449007034},{"text":"Thank you.","start":69.354996,"end":69.755,"sentiment":"neutral","sentiment_score":0.14818468317389488},{"text":"Sorry.","start":69.755,"end":70.255,"sentiment":"neutral","sentiment_score":0.032237689942121506},{"text":"Fantastic.","start":75.115,"end":75.615,"sentiment":"positive","sentiment_score":0.4625494182109833}],"sentiment":"neutral","sentiment_score":0.19054315208986,"num_words":37,"start":55.34,"end":75.615},{"sentences":[{"text":"Thank you so much for that.","start":75.755,"end":77.13,"sentiment":"positive","sentiment_score":0.5699028670787811},{"text":"Ian, before we jump into your annual review, just sort of following up on any questions or anything that you might wanna sort of touch base on specifically.","start":77.689995,"end":83.78999,"sentiment":"neutral","sentiment_score":0.24083830469420978},{"text":"Did you have any questions or anything you wanted me to sort of focus on or just looking at how your sleep was doing?","start":83.85,"end":89.149994,"sentiment":"neutral","sentiment_score":0.13960666519900164},{"text":"Yeah.","start":98.665,"end":99.065,"sentiment":"neutral","sentiment_score":0.16103076934814453},{"text":"Absolutely.","start":99.065,"end":99.565,"sentiment":"neutral","sentiment_score":0.14076831936836243}],"sentiment":"neutral","sentiment_score":0.23025414645671843,"num_words":60,"start":75.755,"end":99.565},{"sentences":[{"text":"Yeah.","start":103.08,"end":103.58,"sentiment":"neutral","sentiment_score":0.09258204698562622},{"text":"Absolutely.","start":103.72,"end":104.22,"sentiment":"neutral","sentiment_score":0.15488699078559875},{"text":"Now we're having a look back this time last year, your balance then was about 304,519.","start":105.08,"end":111.26,"sentiment":"neutral","sentiment_score":0.1332933623343706},{"text":"So having a look at how things have gone, your balance is now on that $340,003.62 mark.","start":111.64,"end":117.375,"sentiment":"neutral","sentiment_score":0.22413319787558386},{"text":"So when I kind of look at how that has performed, taking away any fees, so your net return is actually 8.32%.","start":117.775,"end":124.815,"sentiment":"neutral","sentiment_score":0.17660442671992563}],"sentiment":"neutral","sentiment_score":0.1767670980148148,"num_words":57,"start":103.08,"end":124.815},{"sentences":[{"text":"So it has done really well considering what we have seen in the market.","start":124.815,"end":128.495,"sentiment":"positive","sentiment_score":0.5982051576886859},{"text":"We have seen a bit of volatility from this year.","start":128.495,"end":130.815,"sentiment":"neutral","sentiment_score":0.10978477448225021},{"text":"So very happy with that kind of return.","start":130.815,"end":133.41,"sentiment":"positive","sentiment_score":0.5159337073564529},{"text":"Yeah.","start":133.55,"end":133.87,"sentiment":"neutral","sentiment_score":0.3290470242500305},{"text":"I'm glad you are too.","start":133.87,"end":135.33,"sentiment":"positive","sentiment_score":0.5266212582588196}],"sentiment":"positive","sentiment_score":0.43585112965420675,"num_words":38,"start":124.815,"end":135.33},{"sentences":[{"text":"No.","start":137.47,"end":137.97,"sentiment":"neutral","sentiment_score":0.05383501201868057},{"text":"Oh.","start":138.03,"end":138.19,"sentiment":"neutral","sentiment_score":0.07127645611763},{"text":"Oh.","start":138.19,"end":138.69,"sentiment":"neutral","sentiment_score":0.07189469784498215},{"text":"Yeah.","start":139.15,"end":139.39,"sentiment":"neutral","sentiment_score":0.051981981843709946},{"text":"Sorry.","start":139.39,"end":139.89,"sentiment":"neutral","sentiment_score":0.0032758694142103195}],"sentiment":"neutral","sentiment_score":0.0504528034478426,"num_words":5,"start":137.47,"end":139.89},{"sentences":[{"text":"Yep.","start":150.685,"end":151.185,"sentiment":"neutral","sentiment_score":0.002404429716989398},{"text":"Yep.","start":157.9,"end":158.4,"sentiment":"neutral","sentiment_score":-0.08738826215267181},{"text":"Yes.","start":169.83499,"end":170.155,"sentiment":"neutral","sentiment_score":-0.0332639217376709},{"text":"No.","start":170.155,"end":170.555,"sentiment":"neutral","sentiment_score":-0.04758729040622711},{"text":"Absolutely.","start":170.555,"end":171.055,"sentiment":"neutral","sentiment_score":0.006821252405643463}],"sentiment":"neutral","sentiment_score":-0.031802758434787394,"num_words":5,"start":150.685,"end":171.055},{"sentences":[{"text":"And it's not just sort of what's been happening over with The US and Iran that's also been impacting the the market.","start":171.595,"end":176.715,"sentiment":"neutral","sentiment_score":-0.07356241320005873},{"text":"It's also been a high inflation of what's been going on within the country.","start":176.715,"end":179.75499,"sentiment":"neutral","sentiment_score":-0.08114334222461496},{"text":"So we're sort of being hit on two ends.","start":179.75499,"end":181.61499,"sentiment":"neutral","sentiment_score":-0.09400002658367157},{"text":"It's the war in Iran Iran that's sort of being focused on the equities portion of it.","start":182.23999,"end":188.23999,"sentiment":"neutral","sentiment_score":-0.046709500910604704},{"text":"However, bonds and fixed interest also take a bit of a hit when you have high inflation, so it kind of affects all all markets.","start":188.23999,"end":195.665,"sentiment":"neutral","sentiment_score":-0.061787773445248606}],"sentiment":"neutral","sentiment_score":-0.06826593071736138,"num_words":87,"start":171.595,"end":195.665},{"sentences":[{"text":"But, no, honestly, it has been a really good return.","start":196.205,"end":198.44499,"sentiment":"neutral","sentiment_score":0.29778431057929994},{"text":"And looking at the way you are invested, you do have that growth environment, which sees 80% in growth investments.","start":198.44499,"end":204.845,"sentiment":"neutral","sentiment_score":0.22042049393057822},{"text":"So things like Australian and international equities.","start":204.845,"end":207.505,"sentiment":"neutral","sentiment_score":0.12303481996059418},{"text":"We have property and the commodities in that kind of area, and then you generally see that 20% in defenses, the low risk investments like cash, bonds, and fixed interest.","start":208.08,"end":217.22,"sentiment":"neutral","sentiment_score":0.11310779303312302},{"text":"This sort of portfolio, you're sort of chasing an average return of about seven to 9%.","start":217.76001,"end":222.40001,"sentiment":"neutral","sentiment_score":0.19709714828059077}],"sentiment":"neutral","sentiment_score":0.17824439623628754,"num_words":83,"start":196.205,"end":222.40001},{"sentences":[{"text":"So they come out with 8.32 net of fees, you have kind of come out in the middle of that average range there, which is good to see.","start":222.40001,"end":230.755,"sentiment":"neutral","sentiment_score":0.2976994610258511},{"text":"So very happy with how that has performed.","start":231.215,"end":233.395,"sentiment":"positive","sentiment_score":0.5797203909605742},{"text":"I did have a bit of a look at your investments individually to sort of see how everything was going.","start":233.615,"end":239.09,"sentiment":"neutral","sentiment_score":0.2099876508116722},{"text":"Everything has performed really well.","start":239.09,"end":240.77,"sentiment":"positive","sentiment_score":0.5185752034187316},{"text":"You are up on most areas.","start":240.77,"end":242.47,"sentiment":"positive","sentiment_score":0.36990774671236676}],"sentiment":"neutral","sentiment_score":0.3281406500001452,"num_words":67,"start":222.40001,"end":242.47},{"sentences":[{"text":"Do and finding some of your best performers were obviously silver and gold.","start":243.25,"end":247.17,"sentiment":"neutral","sentiment_score":0.32557551448161787},{"text":"We have seen some really great increases in those areas there.","start":247.17,"end":250.87,"sentiment":"positive","sentiment_score":0.4347938759760423},{"text":"But then also within just general equity, so US equities, your battery and lithium tech is up pretty high as well, which is good to see.","start":251.415,"end":259.275,"sentiment":"positive","sentiment_score":0.5108217854912465},{"text":"I did sort of have a look at your Australian equities portion.","start":260.055,"end":263.995,"sentiment":"neutral","sentiment_score":0.18230320513248444},{"text":"So we did originally recommend that you go into the Bannelong Australian equities to give you some Australian equities exposure, and Bannelong is meant to be more of an actively managed fund.","start":264.055,"end":275.57,"sentiment":"neutral","sentiment_score":0.18323292629793286}],"sentiment":"neutral","sentiment_score":0.32284758350950604,"num_words":94,"start":243.25,"end":275.57},{"sentences":[{"text":"So the investment manager of that fund are trying to outperform against the market or the industries that they're tracking.","start":275.57,"end":281.095,"sentiment":"neutral","sentiment_score":0.18753634989261628},{"text":"This investment normally has about 15 to 20 different investment options in it.","start":281.63498,"end":285.555,"sentiment":"neutral","sentiment_score":-0.024678803980350494},{"text":"But when I'm sort of looking at your portfolio and how that has sort of, performed, it is down a little bit.","start":285.555,"end":291.395,"sentiment":"neutral","sentiment_score":-0.17354941063306548},{"text":"So it's actually underperforming a little bit there at the moment.","start":291.395,"end":294.47998,"sentiment":"negative","sentiment_score":-0.3814506910064004},{"text":"We are kind of going through individually and just sort of looking to swap that out and maybe do a bit of a rebalance on your portfolio.","start":295.25998,"end":301.84,"sentiment":"neutral","sentiment_score":-0.1515392208540881}],"sentiment":"neutral","sentiment_score":-0.09328710808548876,"num_words":93,"start":275.57,"end":301.84},{"sentences":[{"text":"Would you like me to go back, have a look at that, see if there's something better we can swap it out with, and maybe look at rebalancing your portfolio if that needs to happen as well.","start":301.9,"end":311.45502,"sentiment":"neutral","sentiment_score":-0.06838252923979952},{"text":"Yeah.","start":313.275,"end":313.755,"sentiment":"neutral","sentiment_score":0.2462685853242874},{"text":"Fantastic.","start":313.755,"end":314.255,"sentiment":"positive","sentiment_score":0.5084174871444702},{"text":"Now you mentioned that you're investing in your own name as well.","start":314.395,"end":316.875,"sentiment":"neutral","sentiment_score":0.17082740987340608},{"text":"I can see here you do have shares in Medibank.","start":316.875,"end":319.135,"sentiment":"neutral","sentiment_score":0.0975963432341814}],"sentiment":"neutral","sentiment_score":0.020498767892112496,"num_words":61,"start":301.9,"end":319.135},{"sentences":[{"text":"Do you have any other sort of investments or shares that you own in that other portfolio?","start":319.355,"end":324.22,"sentiment":"neutral","sentiment_score":0.06444725328508545},{"text":"Yep.","start":330.2,"end":330.7,"sentiment":"neutral","sentiment_score":0.07911127805709839},{"text":"Okay.","start":338.055,"end":338.555,"sentiment":"neutral","sentiment_score":0.053561508655548096},{"text":"Yeah.","start":341.655,"end":342.155,"sentiment":"neutral","sentiment_score":0.050495803356170654},{"text":"Yeah.","start":342.695,"end":343.195,"sentiment":"neutral","sentiment_score":0.02469838410615921}],"sentiment":"neutral","sentiment_score":0.06207001333435377,"num_words":21,"start":319.355,"end":343.195},{"sentences":[{"text":"Okay.","start":344.96,"end":345.46,"sentiment":"neutral","sentiment_score":-0.03886923193931579},{"text":"Bit overvalued?","start":355.03998,"end":355.86,"sentiment":"neutral","sentiment_score":-0.149919293820858},{"text":"Yeah.","start":356.32,"end":356.82,"sentiment":"neutral","sentiment_score":-0.03640341013669968},{"text":"Yep.","start":357.52502,"end":358.02502,"sentiment":"neutral","sentiment_score":-0.034086018800735474},{"text":"Okay.","start":359.285,"end":359.785,"sentiment":"neutral","sentiment_score":-0.03983151167631149}],"sentiment":"neutral","sentiment_score":-0.07483812669912975,"num_words":6,"start":344.96,"end":359.785},{"sentences":[{"text":"Yes.","start":369.46,"end":369.96,"sentiment":"neutral","sentiment_score":-0.036726899445056915},{"text":"Yep.","start":387.475,"end":387.975,"sentiment":"neutral","sentiment_score":0.27475109696388245},{"text":"Yep.","start":403.57,"end":404.07,"sentiment":"neutral","sentiment_score":0.24290552735328672},{"text":"Yeah.","start":406.86502,"end":407.185,"sentiment":"neutral","sentiment_score":0.172094464302063},{"text":"No.","start":407.185,"end":407.505,"sentiment":"neutral","sentiment_score":0.08485403656959534}],"sentiment":"neutral","sentiment_score":0.14757564514875413,"num_words":5,"start":369.46,"end":407.505},{"sentences":[{"text":"That's okay.","start":407.505,"end":408.14502,"sentiment":"neutral","sentiment_score":0.223354309797287},{"text":"That's absolutely fine.","start":408.14502,"end":409.345,"sentiment":"positive","sentiment_score":0.470177282889684},{"text":"Not a problem at all.","start":409.345,"end":410.625,"sentiment":"neutral","sentiment_score":0.30551152527332304},{"text":"Well, when I sort of look at swapping some investments out and maybe replacing that band along Australian equities, the main sort of one thing I wanna kinda gauge is are you wanting to because you are realistically young enough.","start":410.625,"end":420.91998,"sentiment":"neutral","sentiment_score":0.055044997669756415},{"text":"You've got a lot of time of work before you're able to access your super.","start":420.91998,"end":424.3,"sentiment":"neutral","sentiment_score":0.0066203731422623}],"sentiment":"neutral","sentiment_score":0.0874754399777605,"num_words":65,"start":407.505,"end":424.3},{"sentences":[{"text":"60 is the earliest we're able to access super under the legislation currently if we fully retire.","start":424.84,"end":430.3,"sentiment":"neutral","sentiment_score":0.07319191536482643},{"text":"So, realistically, you could have I can swap it out with something that's also giving you some active management in there.","start":431.11502,"end":436.815,"sentiment":"neutral","sentiment_score":0.13359496423176356},{"text":"Or if you wanted to, I could always look at a couple of investment options that we have that are more passively managed, maybe index funds or ETFs that might be lower cost but also provide greater diversification.","start":436.875,"end":448.59998,"sentiment":"neutral","sentiment_score":0.15867636627272555},{"text":"What would you sort of like me to look at with your super and how to swap that investment out for you?","start":449.22,"end":454.03998,"sentiment":"neutral","sentiment_score":0.1131433942778544},{"text":"Yeah.","start":461.795,"end":461.955,"sentiment":"neutral","sentiment_score":0.08990699052810669}],"sentiment":"neutral","sentiment_score":0.12786384235427836,"num_words":99,"start":424.84,"end":461.955},{"sentences":[{"text":"We still manage it.","start":461.955,"end":462.995,"sentiment":"neutral","sentiment_score":0.09449393674731255},{"text":"It's just about what we buy into the investments, whether we buy into, say, replacement along with another active manager or whether we maybe put put the money into more of an index fund to give you still Australian equities exposure, but the idea of having a passive managed fund is it tracks the market, and it can be cheaper.","start":462.995,"end":481.37,"sentiment":"neutral","sentiment_score":0.14734781024356683},{"text":"Both options are great for yourself, can give you your diversification, and can make your portfolio work harder.","start":482.07,"end":487.93,"sentiment":"positive","sentiment_score":0.4854422989818785},{"text":"It just all comes down to what you're comfortable with.","start":488.04498,"end":490.445,"sentiment":"neutral","sentiment_score":0.13894840418361126},{"text":"Do you wanna see more active management in your portfolio with active managers, or do you wanna sort of see a more of a low cost portfolio that still provides great diversification and and more importantly, lower fees?","start":490.445,"end":502.945,"sentiment":"neutral","sentiment_score":0.19407978016687066}],"sentiment":"neutral","sentiment_score":0.2055486263958021,"num_words":130,"start":461.955,"end":502.945},{"sentences":[{"text":"Tough one.","start":512.57,"end":513.31,"sentiment":"neutral","sentiment_score":-0.16664564609527588},{"text":"Yep.","start":525.77496,"end":525.935,"sentiment":"neutral","sentiment_score":0.08420433104038239},{"text":"Mhmm.","start":525.935,"end":526.435,"sentiment":"neutral","sentiment_score":0.012165690772235394},{"text":"Yeah.","start":529.23,"end":529.73,"sentiment":"neutral","sentiment_score":0.06889593601226807},{"text":"Yeah.","start":539.79,"end":540.29,"sentiment":"neutral","sentiment_score":0.1720941960811615}],"sentiment":"neutral","sentiment_score":0.0006781436192492644,"num_words":6,"start":512.57,"end":540.29},{"sentences":[{"text":"Yeah.","start":546.925,"end":547.425,"sentiment":"neutral","sentiment_score":0.1786016821861267},{"text":"Either way yeah.","start":559.10004,"end":561.18005,"sentiment":"neutral","sentiment_score":0.14877759913603464},{"text":"That's okay.","start":561.18005,"end":561.98004,"sentiment":"neutral","sentiment_score":0.22326113283634186},{"text":"Not a problem at all.","start":561.98004,"end":562.86005,"sentiment":"neutral","sentiment_score":0.25914708971977235},{"text":"So if you like, we do have a couple of different options for active managers that we can look to replace them along with.","start":562.86005,"end":568.39496,"sentiment":"neutral","sentiment_score":0.20164392795413733}],"sentiment":"neutral","sentiment_score":0.2059041847075735,"num_words":35,"start":546.925,"end":568.39496},{"sentences":[{"text":"I'm happy to have a look at those, look at how they have performed in the past, look at, obviously, the cost structure in comparison to your current portfolio, and, obviously, look at the weighting, things like that.","start":568.39496,"end":579.4,"sentiment":"neutral","sentiment_score":0.3091438095036306},{"text":"And I could make a recommendation, update the advice to replace that investment.","start":579.4,"end":583.26,"sentiment":"neutral","sentiment_score":0.15117418851989967},{"text":"Does that sound okay?","start":583.4,"end":584.54004,"sentiment":"neutral","sentiment_score":0.15308808535337448},{"text":"Yeah.","start":586.04004,"end":586.36005,"sentiment":"neutral","sentiment_score":0.30327585339546204},{"text":"Beautiful.","start":586.36005,"end":586.84,"sentiment":"positive","sentiment_score":0.5935022830963135}],"sentiment":"neutral","sentiment_score":0.2670501699965251,"num_words":57,"start":568.39496,"end":586.84},{"sentences":[{"text":"We have a few different investment options both with active management in there and also with passive funds.","start":586.84,"end":592.935,"sentiment":"neutral","sentiment_score":0.24953757226467133},{"text":"So we have options either way to suit.","start":592.935,"end":595.015,"sentiment":"neutral","sentiment_score":0.23335705697536469},{"text":"It's more just a personal thing.","start":595.015,"end":596.71497,"sentiment":"neutral","sentiment_score":0.2278961812456449},{"text":"Essentially, when you look at your super, your super is essentially just the vehicle.","start":597.095,"end":600.475,"sentiment":"neutral","sentiment_score":0.15000571310520172},{"text":"What gets you the returns is the underlying investments, and it's about having the underlying investments that, a, are working, b, you don't wanna be paying too much for those, but, c, you know, a diversified range of active active and passive managers.","start":600.615,"end":613.82,"sentiment":"neutral","sentiment_score":0.1650232307093088}],"sentiment":"neutral","sentiment_score":0.19013470503386487,"num_words":89,"start":586.84,"end":613.82},{"sentences":[{"text":"Not everyone kind of wants active management in their portfolio, Lifespanalong or another one's, Affinity.","start":614.2,"end":619.58,"sentiment":"neutral","sentiment_score":0.0584583173195521},{"text":"GlobalX have some really great active investments as well.","start":620.205,"end":623.98505,"sentiment":"positive","sentiment_score":0.4585065411196815},{"text":"But it more just comes down to when you're younger, you can take a bit more risk in the market, and that's essentially what active managers do.","start":624.84503,"end":631.085,"sentiment":"neutral","sentiment_score":-0.10515353290571107},{"text":"They take a bit more risk.","start":631.085,"end":632.28503,"sentiment":"neutral","sentiment_score":-0.1247662641108036},{"text":"They tend to have more less of a certain investment.","start":632.28503,"end":636.63,"sentiment":"neutral","sentiment_score":-0.14963482394814492}],"sentiment":"neutral","sentiment_score":-0.0012038445183590277,"num_words":67,"start":614.2,"end":636.63},{"sentences":[{"text":"So as an example, Bennelong have anywhere between 15 to 20 different investments depending on what they're invested in at a time.","start":636.69,"end":643.81006,"sentiment":"neutral","sentiment_score":-0.015852702950889416},{"text":"Whereas if you look at something like the a 200, that's tracking the top 200 companies on the ASX.","start":643.81006,"end":649.03,"sentiment":"neutral","sentiment_score":0.01958349719643593},{"text":"The a 200 is more of a passive fund.","start":649.665,"end":652.065,"sentiment":"neutral","sentiment_score":0.007549269745747249},{"text":"It's tracking the market ups and downs.","start":652.065,"end":654.225,"sentiment":"neutral","sentiment_score":-0.012042164004274778},{"text":"They're not buying and selling as much, and they're tracking the a two the Australian 200 index.","start":654.225,"end":660.40497,"sentiment":"neutral","sentiment_score":-0.10793507405940224}],"sentiment":"neutral","sentiment_score":-0.02470163510155839,"num_words":74,"start":636.69,"end":660.40497},{"sentences":[{"text":"Whereas, Benelon aren't really tracking an index as such.","start":660.865,"end":663.63,"sentiment":"neutral","sentiment_score":-0.03532386322816213},{"text":"They're just buying in to suit what, you know, what they feel.","start":663.63,"end":666.43,"sentiment":"neutral","sentiment_score":-0.0015892881589631236},{"text":"They're looking at companies individually, and they're, you know, utilizing their analysts to decide when is a good time to buy.","start":666.43,"end":673.55,"sentiment":"neutral","sentiment_score":0.013918801521261534},{"text":"Is it the right time to sell a company?","start":673.55,"end":675.39,"sentiment":"neutral","sentiment_score":-0.04839096301131778},{"text":"Is the company overvalued?","start":675.39,"end":676.53,"sentiment":"neutral","sentiment_score":-0.17902200669050217}],"sentiment":"neutral","sentiment_score":-0.021750874343243513,"num_words":55,"start":660.865,"end":676.53},{"sentences":[{"text":"And they're trying to time the market to buy into those positions.","start":677.685,"end":680.905,"sentiment":"neutral","sentiment_score":0.0013392843926946316},{"text":"So that's where you kind of get that active management side of things in those investments like then along Australian equities.","start":680.965,"end":687.145,"sentiment":"neutral","sentiment_score":0.11706609775622685},{"text":"As you get a bit older, taking a little bit less risk in the market is really important.","start":688.485,"end":693.22504,"sentiment":"neutral","sentiment_score":-0.008379786999689208},{"text":"For yourself, because you're only 46 this year, you've still got a lot of time ahead of you.","start":693.74,"end":699.51996,"sentiment":"neutral","sentiment_score":0.033706888297779694},{"text":"If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with.","start":699.66,"end":710.53503,"sentiment":"neutral","sentiment_score":0.2974707956115405}],"sentiment":"neutral","sentiment_score":0.14312748325857938,"num_words":114,"start":677.685,"end":710.53503},{"sentences":[{"text":"Does that sound okay?","start":710.53503,"end":711.49506,"sentiment":"neutral","sentiment_score":0.1773202084004879},{"text":"Does that make sense?","start":711.49506,"end":712.47504,"sentiment":"neutral","sentiment_score":0.18181062489748},{"text":"Yeah.","start":714.29504,"end":714.695,"sentiment":"positive","sentiment_score":0.35935235023498535},{"text":"Perfect.","start":714.695,"end":715.195,"sentiment":"positive","sentiment_score":0.6095110177993774},{"text":"Perfect.","start":715.41504,"end":715.91504,"sentiment":"positive","sentiment_score":0.5898855924606323}],"sentiment":"neutral","sentiment_score":0.2722974812442606,"num_words":11,"start":710.53503,"end":715.91504},{"sentences":[{"text":"I'll also have a bit of a look at your portfolio as a whole.","start":716.93506,"end":720.155,"sentiment":"positive","sentiment_score":0.3679609107119696},{"text":"Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market.","start":720.89996,"end":728.27997,"sentiment":"neutral","sentiment_score":0.140506308387827},{"text":"As you sort of said, you like that eighty twenty sort of split.","start":728.42,"end":731.14,"sentiment":"neutral","sentiment_score":0.06918135471642017},{"text":"So don't wanna, you know, make sure you're overexposed particular area.","start":731.14,"end":734.955,"sentiment":"neutral","sentiment_score":-0.03372251936657862},{"text":"And it's also good for compounding to sort of cement a position and sell some investments and redistribute that growth of amongst the rest of your portfolio as well.","start":734.955,"end":743.91504,"sentiment":"neutral","sentiment_score":0.29169199590025274}],"sentiment":"neutral","sentiment_score":0.190772349530078,"num_words":94,"start":716.93506,"end":743.91504},{"sentences":[{"text":"So if you're comfortable, I can have a really good look at all of those options, Ian.","start":743.91504,"end":748.16,"sentiment":"neutral","sentiment_score":0.29967734392951517},{"text":"I can look at reweighting your portfolio, see how everything's sort of working for you.","start":748.22,"end":752.56,"sentiment":"neutral","sentiment_score":0.31705578168233234},{"text":"When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved.","start":753.33997,"end":765.605,"sentiment":"neutral","sentiment_score":0.1737208492248445},{"text":"You can take that away and have a really good look.","start":765.665,"end":767.82495,"sentiment":"neutral","sentiment_score":0.2056505341421474},{"text":"Does that sound alright?","start":767.82495,"end":768.96497,"sentiment":"neutral","sentiment_score":0.16786374151706696}],"sentiment":"neutral","sentiment_score":0.22870992660699857,"num_words":84,"start":743.91504,"end":768.96497},{"sentences":[{"text":"Yeah.","start":770.70496,"end":771.105,"sentiment":"positive","sentiment_score":0.37658461928367615},{"text":"Beautiful.","start":771.105,"end":771.605,"sentiment":"positive","sentiment_score":0.5718057751655579},{"text":"Do you have any additional questions in relation to your super or anything that we kind of gone through at all so far?","start":771.665,"end":777.08997,"sentiment":"neutral","sentiment_score":0.08566837126146191},{"text":"Or At the moment, there's no changes to super to the super system with regards to capital gains or the trust stuff.","start":777.08997,"end":797.125,"sentiment":"neutral","sentiment_score":-0.0018071557225828822},{"text":"It's all kind of outside of super, which we're sort of thankful for.","start":797.505,"end":801.365,"sentiment":"neutral","sentiment_score":0.23610273920572722}],"sentiment":"neutral","sentiment_score":0.09913901862067481,"num_words":60,"start":770.70496,"end":801.365},{"sentences":[{"text":"Even with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the bills are gonna pass as they are, whether they're not gonna pass and or whether there's gonna be any changes to them.","start":801.87,"end":817.10504,"sentiment":"neutral","sentiment_score":-0.13760984175891247},{"text":"I did actually the other week was watching question time just to kinda see what they were doing, and it's quite interesting.","start":817.325,"end":823.325,"sentiment":"neutral","sentiment_score":-0.03412785863673145},{"text":"There's a lot of questions being put out there with regard to the bills.","start":823.325,"end":827.7,"sentiment":"neutral","sentiment_score":-0.10179907296385084},{"text":"A lot of, you know, opposition are coming and saying, well, how does this work if I have this scenario, this scenario, this scenario, is that going to, you know, affect me?","start":827.7,"end":835.78,"sentiment":"neutral","sentiment_score":-0.16850137058645487},{"text":"Am I gonna be able to benefit?","start":835.78,"end":837.30005,"sentiment":"neutral","sentiment_score":-0.18187613785266876}],"sentiment":"neutral","sentiment_score":-0.12605076834734064,"num_words":128,"start":801.87,"end":837.30005},{"sentences":[{"text":"Am I not?","start":837.30005,"end":838.2,"sentiment":"neutral","sentiment_score":-0.28629547854264575},{"text":"And in all honesty, they're actually not really answering the question in any way, shape, or form.","start":838.82,"end":843.645,"sentiment":"negative","sentiment_score":-0.3832964879624984},{"text":"So I don't really know how they think this is supposed to work, but I think what we can kinda do at the moment is wait and see how this passes.","start":843.645,"end":852.385,"sentiment":"neutral","sentiment_score":-0.06761802065997355},{"text":"If it passes, it may not.","start":852.445,"end":854.045,"sentiment":"neutral","sentiment_score":-0.15158345301946005},{"text":"These are just bills at the moment.","start":854.045,"end":856.1,"sentiment":"neutral","sentiment_score":-0.16219588262694223}],"sentiment":"neutral","sentiment_score":-0.17993683231179602,"num_words":64,"start":837.30005,"end":856.1},{"sentences":[{"text":"They may not go through.","start":856.16,"end":857.62,"sentiment":"neutral","sentiment_score":-0.21433718800544738},{"text":"And if they do, they could go through with some changes.","start":858.64,"end":861.36,"sentiment":"neutral","sentiment_score":-0.12832803617824207},{"text":"So I think it's important to sort of see what what happens there.","start":861.36,"end":864.82,"sentiment":"neutral","sentiment_score":-0.051291528229530044},{"text":"At the moment, there's no none of these are affecting super, which is good to see.","start":865.36,"end":870.33997,"sentiment":"neutral","sentiment_score":0.04289952546241693},{"text":"But they obviously do have the the dif two nine three tax, which is the the tax on the 3 mil.","start":870.855,"end":876.535,"sentiment":"neutral","sentiment_score":-0.10942473404464267}],"sentiment":"neutral","sentiment_score":-0.07214562443197903,"num_words":66,"start":856.16,"end":876.535},{"sentences":[{"text":"So if your balance ends up over 3 mil, there is an additional tax in super there.","start":876.535,"end":881.435,"sentiment":"neutral","sentiment_score":-0.18255333251812877},{"text":"But right now, there's really nothing we can kinda do about that because we can't maneuver money.","start":881.975,"end":887.05005,"sentiment":"neutral","sentiment_score":-0.2912321379956077},{"text":"That would be something we wanna review around about the age of 60 or closer to retirement when your balance does increase to sort of see what's projected out there and if you're, you know, expected to kind of, you know, benefit or if you're meant to be affected by those sorts of taxation side of things.","start":887.35004,"end":903.475,"sentiment":"neutral","sentiment_score":-0.09049545306908457},{"text":"Yeah.","start":903.615,"end":904.115,"sentiment":"neutral","sentiment_score":0.056961074471473694},{"text":"Yeah.","start":906.015,"end":906.495,"sentiment":"neutral","sentiment_score":0.20550420880317688}],"sentiment":"neutral","sentiment_score":-0.1392486939827601,"num_words":93,"start":876.535,"end":906.495},{"sentences":[{"text":"All good.","start":906.495,"end":907.215,"sentiment":"positive","sentiment_score":0.44907674193382263},{"text":"All good.","start":907.215,"end":907.775,"sentiment":"positive","sentiment_score":0.36764390766620636},{"text":"Yeah.","start":907.775,"end":907.935,"sentiment":"neutral","sentiment_score":0.1484997421503067},{"text":"It was quite interesting working everything.","start":907.935,"end":909.53503,"sentiment":"neutral","sentiment_score":-0.03382928793629011},{"text":"They really don't really know what's happening.","start":909.53503,"end":911.215,"sentiment":"neutral","sentiment_score":-0.24837213541780198}],"sentiment":"neutral","sentiment_score":-0.008868868566221662,"num_words":18,"start":906.495,"end":911.215},{"sentences":[{"text":"And when you sort of look at the scenarios being proposed, all they're coming back with is just citing sections of the bill, and it's so broad.","start":911.215,"end":921.16003,"sentiment":"neutral","sentiment_score":-0.17109189265304142},{"text":"I don't even think they understand what they put forward at this one time.","start":921.16003,"end":924.36005,"sentiment":"neutral","sentiment_score":-0.3095298931002617},{"text":"So we'll see what happens.","start":924.36005,"end":926.06,"sentiment":"neutral","sentiment_score":-0.0801871508359909},{"text":"Absolutely.","start":933.565,"end":934.065,"sentiment":"neutral","sentiment_score":-0.007697548717260361},{"text":"Sorry.","start":936.285,"end":936.605,"sentiment":"neutral","sentiment_score":-0.07772686332464218}],"sentiment":"neutral","sentiment_score":-0.19665124523453414,"num_words":48,"start":911.215,"end":936.605},{"sentences":[{"text":"You're right.","start":936.605,"end":937.26495,"sentiment":"neutral","sentiment_score":-0.058829134330153465},{"text":"Yep.","start":945.58,"end":946.08,"sentiment":"neutral","sentiment_score":-0.05524398386478424},{"text":"Okay.","start":949.66,"end":950.16,"sentiment":"neutral","sentiment_score":-0.13326042890548706},{"text":"Yeah.","start":963.53,"end":963.93,"sentiment":"neutral","sentiment_score":-0.13258719444274902},{"text":"No.","start":963.93,"end":964.25,"sentiment":"neutral","sentiment_score":-0.2291485220193863}],"sentiment":"neutral","sentiment_score":-0.11131639964878559,"num_words":6,"start":936.605,"end":964.25},{"sentences":[{"text":"It is that it's pricing out everyone very, very quickly.","start":964.25,"end":967.29004,"sentiment":"neutral","sentiment_score":-0.2838587984442711},{"text":"I know I've got two small kids myself, 19 and 20, and they're renting my investment property because, in all honesty, they can't afford.","start":967.29004,"end":975.13,"sentiment":"neutral","sentiment_score":-0.10709476005285978},{"text":"And I don't know how and when they're ever going to be able to afford without our assistance, and it's just really sad there.","start":975.13,"end":980.675,"sentiment":"neutral","sentiment_score":-0.245296702409784},{"text":"They're putting money away and trying to save for it, but we are a year, two years down the track, they get to their goal amount they've saved, and then they've gotta, you know, save a bit more because it's just not enough.","start":980.675,"end":991.815,"sentiment":"neutral","sentiment_score":-0.29840091044126554},{"text":"Exactly.","start":992.67,"end":993.17,"sentiment":"neutral","sentiment_score":-0.0129373325034976}],"sentiment":"neutral","sentiment_score":-0.23666823102964782,"num_words":102,"start":964.25,"end":993.17},{"sentences":[{"text":"Yeah.","start":993.39,"end":993.71,"sentiment":"neutral","sentiment_score":0.0017510056495666504},{"text":"It's just passing everyone out way too quickly.","start":993.71,"end":996.29004,"sentiment":"neutral","sentiment_score":-0.10094916820526123},{"text":"But who knows?","start":996.99,"end":997.95,"sentiment":"neutral","sentiment_score":-0.1272018849849701},{"text":"We'll just wait and see what happens with all of this and see how it all works.","start":997.95,"end":1002.05,"sentiment":"neutral","sentiment_score":-0.08308250413221471},{"text":"But, yeah, there's still a lot of questions with what what's to come.","start":1002.11,"end":1005.41003,"sentiment":"neutral","sentiment_score":-0.16747469455003738}],"sentiment":"neutral","sentiment_score":-0.11373860938918023,"num_words":42,"start":993.39,"end":1005.41003},{"sentences":[{"text":"It's all just a sit and watch and wait at the moment and see what comes out in the next few months with all these new bills.","start":1005.72504,"end":1011.34503,"sentiment":"neutral","sentiment_score":-0.12557598231015382},{"text":"Yeah.","start":1013.405,"end":1013.905,"sentiment":"neutral","sentiment_score":0.04219241067767143},{"text":"All good.","start":1014.28503,"end":1015.10504,"sentiment":"neutral","sentiment_score":0.29824915528297424},{"text":"That's okay.","start":1016.765,"end":1017.585,"sentiment":"neutral","sentiment_score":0.2944963127374649},{"text":"You did kinda mention that you, you know, buying a house isn't something you wanna do before not really able to do before retirement.","start":1017.885,"end":1024.68,"sentiment":"neutral","sentiment_score":-0.002737917471677065}],"sentiment":"neutral","sentiment_score":-0.039796039195997376,"num_words":56,"start":1005.72504,"end":1024.68},{"sentences":[{"text":"Is it something you do want to do down the track, maybe purchase a property or not really?","start":1024.8201,"end":1029.06,"sentiment":"neutral","sentiment_score":0.022212947408358257},{"text":"You're sorta happy renting your parents' home and yeah.","start":1029.06,"end":1038.565,"sentiment":"neutral","sentiment_score":0.21451882190174526},{"text":"No.","start":1059.455,"end":1059.955,"sentiment":"neutral","sentiment_score":-0.17307105660438538},{"text":"Yeah.","start":1060.895,"end":1061.375,"sentiment":"neutral","sentiment_score":0.04805919528007507},{"text":"Absolutely.","start":1061.375,"end":1061.875,"sentiment":"neutral","sentiment_score":0.1520437449216843}],"sentiment":"neutral","sentiment_score":0.07858447780211766,"num_words":30,"start":1024.8201,"end":1061.875},{"sentences":[{"text":"Yep.","start":1064.255,"end":1064.755,"sentiment":"neutral","sentiment_score":0.15066921710968018},{"text":"Yeah.","start":1072.91,"end":1073.41,"sentiment":"neutral","sentiment_score":-0.01401715073734522},{"text":"Yeah.","start":1091.165,"end":1091.665,"sentiment":"neutral","sentiment_score":0.03801104426383972},{"text":"Yeah.","start":1130.025,"end":1130.4249,"sentiment":"neutral","sentiment_score":-0.1402222365140915},{"text":"No.","start":1130.4249,"end":1130.665,"sentiment":"neutral","sentiment_score":-0.3020596504211426}],"sentiment":"neutral","sentiment_score":-0.05352375525981188,"num_words":5,"start":1064.255,"end":1130.665},{"sentences":[{"text":"Absolutely.","start":1130.665,"end":1131.165,"sentiment":"neutral","sentiment_score":-0.2045193612575531},{"text":"And when you sort of get to those retirement years, the last thing you want is to then take on another debt for another thirty odd years and the the risk of you having to work a little bit longer.","start":1131.625,"end":1140.765,"sentiment":"negative","sentiment_score":-0.39296580366790296},{"text":"Yeah.","start":1140.825,"end":1141.325,"sentiment":"neutral","sentiment_score":-0.15458190441131592},{"text":"No.","start":1142.57,"end":1142.89,"sentiment":"neutral","sentiment_score":-0.302870512008667},{"text":"Completely understandable.","start":1142.89,"end":1144.03,"sentiment":"neutral","sentiment_score":-0.25627392530441284}],"sentiment":"negative","sentiment_score":-0.37540337277783287,"num_words":45,"start":1130.665,"end":1144.03},{"sentences":[{"text":"I mean, it it we can leave it down here as a possibility of a goal down the track.","start":1144.33,"end":1148.35,"sentiment":"neutral","sentiment_score":0.05199749806993886},{"text":"You know, it's not something everybody wants.","start":1148.81,"end":1150.65,"sentiment":"neutral","sentiment_score":-0.1329588879431997},{"text":"I've got friends who don't wanna ever buy a property.","start":1150.65,"end":1153.29,"sentiment":"neutral","sentiment_score":-0.11676831468939781},{"text":"It's by no means their goal.","start":1153.29,"end":1155.05,"sentiment":"neutral","sentiment_score":-0.0997801311314106},{"text":"They're just quite happy to, you know, work and travel and make memories and and rent.","start":1155.05,"end":1160.395,"sentiment":"positive","sentiment_score":0.35254161339253187}],"sentiment":"neutral","sentiment_score":0.06778520910904326,"num_words":58,"start":1144.33,"end":1160.395},{"sentences":[{"text":"It doesn't sort of phase them in any way, shape, or form.","start":1160.395,"end":1162.635,"sentiment":"neutral","sentiment_score":-0.11733038040498893},{"text":"So it's definitely an individual choice.","start":1162.635,"end":1164.8151,"sentiment":"neutral","sentiment_score":0.1886271374921004},{"text":"And who knows?","start":1165.915,"end":1166.555,"sentiment":"neutral","sentiment_score":0.06207971523205439},{"text":"I mean, things could definitely change down the track, but that's absolutely fine.","start":1166.555,"end":1169.96,"sentiment":"neutral","sentiment_score":0.09988483442709996},{"text":"It would be nice to have some grasp over having a four year old.","start":1170.26,"end":1172.98,"sentiment":"neutral","sentiment_score":0.2707885961447443}],"sentiment":"neutral","sentiment_score":0.10415792915349205,"num_words":48,"start":1160.395,"end":1172.98},{"sentences":[{"text":"That's for sure.","start":1172.98,"end":1173.88,"sentiment":"neutral","sentiment_score":0.16695178548494974},{"text":"No.","start":1176.02,"end":1176.5,"sentiment":"neutral","sentiment_score":-0.19549325108528137},{"text":"All good.","start":1176.5,"end":1177.24,"sentiment":"neutral","sentiment_score":-0.0015278048813343048},{"text":"I can see here you don't have any insurances paid out of your super no personal cover like life, TPD, income protection, trauma.","start":1177.78,"end":1184.965,"sentiment":"neutral","sentiment_score":-0.22978234161501346},{"text":"I know in the past, we've kinda had a bit of a chat about those, but do you do you feel the need to have any kind of insurance?","start":1185.585,"end":1192.245,"sentiment":"neutral","sentiment_score":-0.2524050271202778}],"sentiment":"neutral","sentiment_score":-0.2121109163452839,"num_words":58,"start":1172.98,"end":1192.245},{"sentences":[{"text":"Because I know if you were to pass away, your super is paid out to your beneficiary as your death benefit.","start":1192.3049,"end":1198.005,"sentiment":"neutral","sentiment_score":-0.2808385817777543},{"text":"But when it comes to TPD, income protection, things like that, if you were unable to go to work, how do you think you'd sort of cover yourself in the short term or in the long term with TPD?","start":1198.8501,"end":1209.5901,"sentiment":"neutral","sentiment_score":-0.10287585453345226},{"text":"Do you feel like you need any insurances, or they're not not a priority?","start":1209.73,"end":1213.11,"sentiment":"neutral","sentiment_score":-0.14003773778676987},{"text":"Or yeah.","start":1213.17,"end":1221.465,"sentiment":"neutral","sentiment_score":-0.05316014215350151},{"text":"Yep.","start":1234.74,"end":1235.22,"sentiment":"neutral","sentiment_score":0.05524232983589173}],"sentiment":"neutral","sentiment_score":-0.15482304970939437,"num_words":77,"start":1192.3049,"end":1235.22},{"sentences":[{"text":"Okay.","start":1235.22,"end":1235.72,"sentiment":"neutral","sentiment_score":0.04390367865562439},{"text":"No.","start":1237.46,"end":1237.7,"sentiment":"neutral","sentiment_score":-0.02657638117671013},{"text":"That's absolutely fine.","start":1237.7,"end":1239.0,"sentiment":"neutral","sentiment_score":-0.024957915147145588},{"text":"Yes.","start":1240.3049,"end":1240.8049,"sentiment":"neutral","sentiment_score":0.0061037130653858185},{"text":"No.","start":1241.825,"end":1242.145,"sentiment":"neutral","sentiment_score":-0.08330216258764267}],"sentiment":"neutral","sentiment_score":-0.019249271069254194,"num_words":7,"start":1235.22,"end":1242.145},{"sentences":[{"text":"That's absolutely fine.","start":1242.145,"end":1243.345,"sentiment":"neutral","sentiment_score":0.1223869447906812},{"text":"And, I mean, you do have those investments outside of Super with the shares in your own name.","start":1243.345,"end":1247.525,"sentiment":"neutral","sentiment_score":0.08732883921927875},{"text":"So there is obviously that kind of buffer if you needed to as a worst case scenario.","start":1248.065,"end":1252.145,"sentiment":"neutral","sentiment_score":-0.03165276699206408},{"text":"You could sort of fall back on that.","start":1252.145,"end":1254.06,"sentiment":"neutral","sentiment_score":-0.16976821795105934},{"text":"I do like to sort of make sure I'm giving a bit of information as well.","start":1254.4601,"end":1257.42,"sentiment":"neutral","sentiment_score":0.03656666656024754}],"sentiment":"neutral","sentiment_score":0.01012748101305577,"num_words":62,"start":1242.145,"end":1257.42},{"sentences":[{"text":"So if anything was to happen and you were to be unable to go back to work permanently, you can also claim TBD against your super, so it's permanent incapacity.","start":1257.42,"end":1266.0801,"sentiment":"neutral","sentiment_score":-0.1460452842215697},{"text":"Yeah.","start":1266.5951,"end":1266.8351,"sentiment":"neutral","sentiment_score":-0.04653005301952362},{"text":"It does release the super to you to be able to draw down and live off.","start":1266.8351,"end":1270.675,"sentiment":"neutral","sentiment_score":-0.038215667475014925},{"text":"There is always that option as well.","start":1270.675,"end":1272.5951,"sentiment":"neutral","sentiment_score":0.046299689050231664},{"text":"So not sure if you're aware of that.","start":1272.5951,"end":1274.3551,"sentiment":"neutral","sentiment_score":-0.028966743499040604}],"sentiment":"neutral","sentiment_score":-0.07978992554689607,"num_words":62,"start":1257.42,"end":1274.3551},{"sentences":[{"text":"Just like to kinda make sure I'm giving you a bit of backup information.","start":1274.3551,"end":1277.5751,"sentiment":"neutral","sentiment_score":0.017280899387385164},{"text":"All good.","start":1279.89,"end":1280.7101,"sentiment":"neutral","sentiment_score":0.24989894777536392},{"text":"You're right.","start":1281.5701,"end":1282.05,"sentiment":"neutral","sentiment_score":0.17997555434703827},{"text":"So sorry.","start":1282.05,"end":1282.61,"sentiment":"neutral","sentiment_score":-0.00313471257686615},{"text":"Did you wanna ask something?","start":1282.61,"end":1284.0701,"sentiment":"neutral","sentiment_score":-0.030126111581921577}],"sentiment":"neutral","sentiment_score":0.03779126450419426,"num_words":25,"start":1274.3551,"end":1284.0701},{"sentences":[{"text":"All good.","start":1285.49,"end":1286.13,"sentiment":"neutral","sentiment_score":0.0903790071606636},{"text":"All good.","start":1286.13,"end":1286.77,"sentiment":"neutral","sentiment_score":0.22512832283973694},{"text":"I just wanna run through this update all of your circumstances on file just to see if there's been any major changes.","start":1286.77,"end":1291.8301,"sentiment":"neutral","sentiment_score":0.029213778843933887},{"text":"I had your income down as about 80,000.","start":1292.2101,"end":1294.63,"sentiment":"neutral","sentiment_score":-0.0354455909691751},{"text":"Is that still fairly accurate?","start":1294.77,"end":1296.255,"sentiment":"neutral","sentiment_score":-0.0336338721215725}],"sentiment":"neutral","sentiment_score":0.02107650528733547,"num_words":39,"start":1285.49,"end":1296.255},{"sentences":[{"text":"This is from our last annual review, which was December 2024, so it's probably over a year old.","start":1302.635,"end":1309.375,"sentiment":"neutral","sentiment_score":-0.05300059210922983},{"text":"Oh, yep.","start":1313.9099,"end":1314.5499,"sentiment":"neutral","sentiment_score":0.20979680120944977},{"text":"Fantastic.","start":1314.5499,"end":1315.0499,"sentiment":"positive","sentiment_score":0.6539210081100464},{"text":"And we had here that you were able to save on a weekly basis about a $123.","start":1315.59,"end":1320.4099,"sentiment":"neutral","sentiment_score":0.10138690866091672},{"text":"Are you still finding you're able to put funds away, or it's just not possible with the cost of living?","start":1320.87,"end":1325.565,"sentiment":"neutral","sentiment_score":-0.03712793737649918}],"sentiment":"neutral","sentiment_score":0.018974528487386375,"num_words":58,"start":1302.635,"end":1325.565},{"sentences":[{"text":"Yep.","start":1331.725,"end":1332.225,"sentiment":"neutral","sentiment_score":-0.01864704862236977},{"text":"No.","start":1333.4049,"end":1333.725,"sentiment":"neutral","sentiment_score":-0.05253290385007858},{"text":"That's okay.","start":1333.725,"end":1334.5449,"sentiment":"neutral","sentiment_score":-0.09703830257058144},{"text":"Yep.","start":1337.74,"end":1338.0599,"sentiment":"neutral","sentiment_score":0.009010491892695429},{"text":"If you had to put it as a the last figure, what would you say you'd sort of consider it today?","start":1338.0599,"end":1343.2,"sentiment":"neutral","sentiment_score":0.0031885762831994464}],"sentiment":"neutral","sentiment_score":-0.007280229375912593,"num_words":26,"start":1331.725,"end":1343.2},{"sentences":[{"text":"Sorry.","start":1344.62,"end":1345.12,"sentiment":"neutral","sentiment_score":-0.08044798672199249},{"text":"Okay.","start":1368.65,"end":1369.13,"sentiment":"neutral","sentiment_score":0.11416462063789368},{"text":"Perfect.","start":1369.13,"end":1369.63,"sentiment":"positive","sentiment_score":0.41937583684921265},{"text":"That's actually nice.","start":1369.77,"end":1370.75,"sentiment":"positive","sentiment_score":0.474910040696462},{"text":"Yeah.","start":1371.0499,"end":1371.5499,"sentiment":"neutral","sentiment_score":0.2394970953464508}],"sentiment":"neutral","sentiment_score":0.30247424117156435,"num_words":7,"start":1344.62,"end":1371.5499},{"sentences":[{"text":"Excellent.","start":1371.77,"end":1372.27,"sentiment":"positive","sentiment_score":0.5415246486663818},{"text":"Beautiful.","start":1372.65,"end":1373.15,"sentiment":"positive","sentiment_score":0.4957905411720276},{"text":"And I have here so with your assets and liabilities being noted down, the shares that you did hold, that sort of Medibank tells to everything, we had a combined value roughly of 15,760 last time.","start":1374.665,"end":1389.565,"sentiment":"neutral","sentiment_score":0.0688129899919861},{"text":"What are your shares total value at the moment?","start":1389.76,"end":1392.16,"sentiment":"neutral","sentiment_score":0.003692160774436262},{"text":"I know that can change on a regular basis.","start":1392.16,"end":1394.26,"sentiment":"neutral","sentiment_score":-0.050373377899328865}],"sentiment":"neutral","sentiment_score":0.055258069204033484,"num_words":56,"start":1371.77,"end":1394.26},{"sentences":[{"text":"Yep.","start":1402.815,"end":1403.315,"sentiment":"neutral","sentiment_score":-0.08137659728527069},{"text":"And that yeah.","start":1403.455,"end":1404.415,"sentiment":"neutral","sentiment_score":-0.10793597002824147},{"text":"And they're hard to log in to.","start":1404.415,"end":1406.115,"sentiment":"neutral","sentiment_score":-0.21042391870703017},{"text":"If you're not overly sure, that's absolutely fine.","start":1408.655,"end":1411.0549,"sentiment":"neutral","sentiment_score":-0.04429583763703704},{"text":"Even just an approximate value would be fine.","start":1411.0549,"end":1413.635,"sentiment":"neutral","sentiment_score":-0.022336886497214437}],"sentiment":"neutral","sentiment_score":-0.08930421227382289,"num_words":27,"start":1402.815,"end":1413.635},{"sentences":[{"text":"Not quite.","start":1420.37,"end":1421.01,"sentiment":"neutral","sentiment_score":-0.083467748016119},{"text":"Do you know how many shares you hold in each?","start":1421.01,"end":1423.1901,"sentiment":"neutral","sentiment_score":-0.031032974272966383},{"text":"Yep.","start":1427.265,"end":1427.765,"sentiment":"neutral","sentiment_score":-0.028035059571266174},{"text":"Okay.","start":1434.305,"end":1434.785,"sentiment":"neutral","sentiment_score":0.004940287210047245},{"text":"So about 2,000 shares.","start":1434.785,"end":1436.405,"sentiment":"neutral","sentiment_score":0.00407388259191066}],"sentiment":"neutral","sentiment_score":-0.026892471153082118,"num_words":18,"start":1420.37,"end":1436.405},{"sentences":[{"text":"Lovely.","start":1437.185,"end":1437.685,"sentiment":"neutral","sentiment_score":0.19404742121696472},{"text":"Yep.","start":1438.6399,"end":1438.7999,"sentiment":"neutral","sentiment_score":0.054648324847221375},{"text":"That's it.","start":1438.7999,"end":1439.2,"sentiment":"neutral","sentiment_score":0.011556217446923256},{"text":"And that's Telstra and sorry.","start":1439.2,"end":1441.12,"sentiment":"neutral","sentiment_score":-0.013526229560375214},{"text":"Telstra and Medibank, isn't it?","start":1441.12,"end":1442.8999,"sentiment":"neutral","sentiment_score":0.001547324284911156}],"sentiment":"neutral","sentiment_score":0.015136689612908023,"num_words":14,"start":1437.185,"end":1442.8999},{"sentences":[{"text":"Yeah.","start":1445.0399,"end":1445.5399,"sentiment":"neutral","sentiment_score":0.016801869496703148},{"text":"Yeah.","start":1449.36,"end":1449.86,"sentiment":"neutral","sentiment_score":0.023944586515426636},{"text":"Yeah.","start":1450.32,"end":1450.82,"sentiment":"neutral","sentiment_score":0.03423390910029411},{"text":"Yep.","start":1454.645,"end":1454.965,"sentiment":"neutral","sentiment_score":0.10645456612110138},{"text":"Beautiful.","start":1454.965,"end":1455.465,"sentiment":"neutral","sentiment_score":0.26602521538734436}],"sentiment":"neutral","sentiment_score":0.08949202932417392,"num_words":5,"start":1445.0399,"end":1455.465},{"sentences":[{"text":"Not a problem.","start":1457.205,"end":1457.9249,"sentiment":"neutral","sentiment_score":0.10489983608325322},{"text":"I can work it out for you and do an estimated cost.","start":1457.9249,"end":1460.1649,"sentiment":"neutral","sentiment_score":0.20052136853337288},{"text":"It's not a problem at all.","start":1460.1649,"end":1461.845,"sentiment":"positive","sentiment_score":0.5252977758646011},{"text":"Excellent.","start":1461.845,"end":1462.345,"sentiment":"positive","sentiment_score":0.7233392000198364},{"text":"And that's 3,000 shares in each, you said.","start":1463.2999,"end":1466.34,"sentiment":"neutral","sentiment_score":0.2534954193979502}],"sentiment":"neutral","sentiment_score":0.28746817136804265,"num_words":30,"start":1457.205,"end":1466.34},{"sentences":[{"text":"Sorry.","start":1466.34,"end":1466.58,"sentiment":"neutral","sentiment_score":0.07027208805084229},{"text":"Just so I have the right figures.","start":1466.58,"end":1467.94,"sentiment":"neutral","sentiment_score":0.11699608181204114},{"text":"Yep.","start":1467.94,"end":1468.44,"sentiment":"positive","sentiment_score":0.33737170696258545},{"text":"Fantastic.","start":1469.62,"end":1470.12,"sentiment":"positive","sentiment_score":0.6656405925750732},{"text":"I also know yeah.","start":1471.0599,"end":1473.2999,"sentiment":"neutral","sentiment_score":0.2154122032225132}],"sentiment":"neutral","sentiment_score":0.19670755522591726,"num_words":14,"start":1466.34,"end":1473.2999},{"sentences":[{"text":"That's okay.","start":1473.2999,"end":1473.94,"sentiment":"neutral","sentiment_score":0.257235124707222},{"text":"Honestly, it's not a problem at all.","start":1473.94,"end":1475.775,"sentiment":"positive","sentiment_score":0.36936589649745394},{"text":"I've also got down here that you are in a trust with your parents there as well.","start":1476.655,"end":1480.675,"sentiment":"neutral","sentiment_score":0.17900554748142466},{"text":"A rough valuation of the trust was about 430,000 last time we sort of checked in.","start":1481.135,"end":1486.675,"sentiment":"neutral","sentiment_score":0.03399426059331745},{"text":"Do you know what that might look like?","start":1487.135,"end":1488.81,"sentiment":"neutral","sentiment_score":0.01112424919847399}],"sentiment":"neutral","sentiment_score":0.13552055990323425,"num_words":50,"start":1473.2999,"end":1488.81},{"sentences":[{"text":"Yep.","start":1490.4901,"end":1490.9901,"sentiment":"neutral","sentiment_score":0.03288555517792702},{"text":"$7.90.","start":1506.9049,"end":1507.725,"sentiment":"neutral","sentiment_score":0.05232797563076019},{"text":"Fantastic.","start":1507.7849,"end":1508.2849,"sentiment":"positive","sentiment_score":0.43162980675697327},{"text":"And that one's just your trust, and you're also in a trust with your parents as well or a beneficiary of your parents' trust.","start":1508.6649,"end":1514.7649,"sentiment":"neutral","sentiment_score":0.11880276623802881},{"text":"No.","start":1516.8301,"end":1517.3301,"sentiment":"neutral","sentiment_score":0.028332270681858063}],"sentiment":"neutral","sentiment_score":0.12130149992715035,"num_words":28,"start":1490.4901,"end":1517.3301},{"sentences":[{"text":"That's absolutely fine.","start":1517.55,"end":1518.8301,"sentiment":"neutral","sentiment_score":0.1350011800726255},{"text":"I'll just make a note here that you're a beneficiary of that one as well.","start":1518.8301,"end":1522.29,"sentiment":"neutral","sentiment_score":0.13081051011880238},{"text":"Easy.","start":1522.43,"end":1522.93,"sentiment":"neutral","sentiment_score":0.19676700234413147},{"text":"Not an issue.","start":1522.99,"end":1523.9701,"sentiment":"neutral","sentiment_score":0.1455398996671041},{"text":"I've also got your two cars down.","start":1524.43,"end":1526.11,"sentiment":"neutral","sentiment_score":0.06130576878786087}],"sentiment":"neutral","sentiment_score":0.11826511292622008,"num_words":29,"start":1517.55,"end":1526.11},{"sentences":[{"text":"So we've got a 2014 Holden Commodore SV, rough valuation of 50,000 on that one.","start":1526.11,"end":1532.345,"sentiment":"neutral","sentiment_score":0.05244855210185051},{"text":"Okay.","start":1536.245,"end":1536.745,"sentiment":"neutral","sentiment_score":0.0349041111767292},{"text":"Oh, fantastic.","start":1541.765,"end":1542.585,"sentiment":"neutral","sentiment_score":0.23988912999629974},{"text":"Yep.","start":1555.235,"end":1555.735,"sentiment":"neutral","sentiment_score":0.06690502911806107},{"text":"Oh, fantastic.","start":1564.675,"end":1565.5751,"sentiment":"neutral","sentiment_score":0.20773092657327652}],"sentiment":"neutral","sentiment_score":0.0849417873791286,"num_words":21,"start":1526.11,"end":1565.5751},{"sentences":[{"text":"And what sort of value would you put on both those vehicles, do you think?","start":1565.875,"end":1569.0951,"sentiment":"neutral","sentiment_score":0.04365974689523379},{"text":"That's okay.","start":1577.44,"end":1578.18,"sentiment":"neutral","sentiment_score":-0.0040514906868338585},{"text":"Yep.","start":1581.375,"end":1581.875,"sentiment":"neutral","sentiment_score":0.02025863714516163},{"text":"Yep.","start":1582.015,"end":1582.515,"sentiment":"neutral","sentiment_score":0.02753650024533272},{"text":"Beautiful.","start":1584.015,"end":1584.515,"sentiment":"neutral","sentiment_score":0.14492547512054443}],"sentiment":"neutral","sentiment_score":0.04197569172829389,"num_words":20,"start":1565.875,"end":1584.515},{"sentences":[{"text":"70 3.","start":1592.735,"end":1593.715,"sentiment":"neutral","sentiment_score":-0.022154107689857483},{"text":"Yep.","start":1594.39,"end":1594.89,"sentiment":"neutral","sentiment_score":-0.0028948576655238867},{"text":"Beautiful.","start":1604.55,"end":1604.95,"sentiment":"neutral","sentiment_score":0.16900306940078735},{"text":"And do you have loans on either of those vehicles or owned outright?","start":1604.95,"end":1608.33,"sentiment":"neutral","sentiment_score":0.015607500448822975},{"text":"Owned outright.","start":1610.295,"end":1610.9349,"sentiment":"neutral","sentiment_score":-0.03160234820097685}],"sentiment":"neutral","sentiment_score":0.013762779252015446,"num_words":19,"start":1592.735,"end":1610.9349},{"sentences":[{"text":"Beautiful.","start":1610.9349,"end":1611.4349,"sentiment":"neutral","sentiment_score":0.11613842099905014},{"text":"Fantastic.","start":1611.655,"end":1612.155,"sentiment":"positive","sentiment_score":0.7594624757766724},{"text":"I'll just note down those values as what your purchase price was for them.","start":1612.295,"end":1615.835,"sentiment":"neutral","sentiment_score":0.2518904006906918},{"text":"Essentially, when we're looking at value, it's more just what value it is to you if you had to sell the the vehicle.","start":1616.0549,"end":1621.255,"sentiment":"neutral","sentiment_score":0.12112952865984129},{"text":"What would you want for it essentially?","start":1621.255,"end":1622.7899,"sentiment":"neutral","sentiment_score":0.08099550647394997}],"sentiment":"neutral","sentiment_score":0.1685872654552045,"num_words":46,"start":1610.9349,"end":1622.7899},{"sentences":[{"text":"So if you're gonna just purchase them, you're probably gonna want as close to the value or as close to what you paid as possible.","start":1622.7899,"end":1628.57,"sentiment":"neutral","sentiment_score":0.05860554024577141},{"text":"So I can note that down for you.","start":1628.63,"end":1630.73,"sentiment":"neutral","sentiment_score":0.07465044222772121},{"text":"I also have down here another 2,014 Holden Commodore SV with a value of 15,000.","start":1631.11,"end":1637.575,"sentiment":"neutral","sentiment_score":0.028708896537621816},{"text":"Do you still have the other Commodore at all, or do you get rid of both of those?","start":1637.715,"end":1641.335,"sentiment":"neutral","sentiment_score":-0.010048013904856311},{"text":"They're both they're both of them say 2014, but they had different asset values.","start":1645.235,"end":1650.455,"sentiment":"neutral","sentiment_score":-0.021765839641115496}],"sentiment":"neutral","sentiment_score":0.025092368584591896,"num_words":80,"start":1622.7899,"end":1650.455},{"sentences":[{"text":"Yep.","start":1651.25,"end":1651.75,"sentiment":"neutral","sentiment_score":0.004408492241054773},{"text":"Okay.","start":1656.4501,"end":1656.9501,"sentiment":"neutral","sentiment_score":-0.008966587483882904},{"text":"Yep.","start":1659.0901,"end":1659.4901,"sentiment":"neutral","sentiment_score":0.031160037964582443},{"text":"Beautiful.","start":1659.4901,"end":1659.9701,"sentiment":"neutral","sentiment_score":0.19476793706417084},{"text":"We'll get rid of that one.","start":1659.9701,"end":1661.01,"sentiment":"neutral","sentiment_score":0.08609344313542049}],"sentiment":"neutral","sentiment_score":0.0737930538598448,"num_words":10,"start":1651.25,"end":1661.01},{"sentences":[{"text":"Fantastic.","start":1661.01,"end":1661.51,"sentiment":"positive","sentiment_score":0.33790791034698486},{"text":"And any other cars, boats, or caravans, or anything else of value?","start":1661.7301,"end":1665.43,"sentiment":"neutral","sentiment_score":0.13625098889072737},{"text":"No.","start":1667.1749,"end":1667.575,"sentiment":"neutral","sentiment_score":-0.011635739356279371},{"text":"Beautiful.","start":1667.575,"end":1668.0549,"sentiment":"neutral","sentiment_score":0.05301578342914581},{"text":"And you're renting at the moment.","start":1668.0549,"end":1669.575,"sentiment":"neutral","sentiment_score":-0.00004631653428077698}],"sentiment":"neutral","sentiment_score":0.09590580580489975,"num_words":21,"start":1661.01,"end":1669.575},{"sentences":[{"text":"How much rent are you guys paying on a regular basis, weekly or fortnightly?","start":1669.575,"end":1673.195,"sentiment":"neutral","sentiment_score":-0.0045216212581310955},{"text":"Yeah.","start":1678.55,"end":1678.95,"sentiment":"neutral","sentiment_score":-0.013297619298100471},{"text":"You're right.","start":1678.95,"end":1682.65,"sentiment":"neutral","sentiment_score":-0.02463988959789276},{"text":"You're fine.","start":1692.725,"end":1693.465,"sentiment":"neutral","sentiment_score":0.03742789849638939},{"text":"$5.25.","start":1698.165,"end":1699.305,"sentiment":"neutral","sentiment_score":0.022249430418014526}],"sentiment":"neutral","sentiment_score":-0.0014387434348464012,"num_words":20,"start":1669.575,"end":1699.305},{"sentences":[{"text":"Beautiful.","start":1699.365,"end":1699.865,"sentiment":"positive","sentiment_score":0.4391615390777588},{"text":"Thank you for that.","start":1700.005,"end":1701.145,"sentiment":"positive","sentiment_score":0.5571688264608383},{"text":"The other thing I had noted down here, I just wanted to sort of follow her through, was looking at your estate planning as well.","start":1702.87,"end":1708.3099,"sentiment":"neutral","sentiment_score":0.0853288497030735},{"text":"So I've just had a look at your super.","start":1708.3099,"end":1709.75,"sentiment":"neutral","sentiment_score":0.042740245867106647},{"text":"I can see you don't have a beneficiary nomination applied there at the moment.","start":1709.75,"end":1713.4299,"sentiment":"neutral","sentiment_score":-0.020208446159293608}],"sentiment":"neutral","sentiment_score":0.09250569913343017,"num_words":53,"start":1699.365,"end":1713.4299},{"sentences":[{"text":"So it's something I do wanna help you.","start":1713.4299,"end":1716.165,"sentiment":"neutral","sentiment_score":0.00043072644621133804},{"text":"That's okay.","start":1716.3251,"end":1717.0651,"sentiment":"neutral","sentiment_score":0.13663135468959808},{"text":"I can absolutely help you to have that fixed up if you like.","start":1718.005,"end":1721.045,"sentiment":"neutral","sentiment_score":0.2828273830505518},{"text":"If you're comfortable, are you happy with me getting the information for you today?","start":1721.045,"end":1725.285,"sentiment":"neutral","sentiment_score":0.15085740759968758},{"text":"My team can prefill the beneficiary nomination out for you with the details, and then we can send it to you just to be signed and witnessed and returned back.","start":1725.285,"end":1733.0399,"sentiment":"neutral","sentiment_score":0.12574476612110932}],"sentiment":"neutral","sentiment_score":0.146833002845298,"num_words":67,"start":1713.4299,"end":1733.0399},{"sentences":[{"text":"Is that okay?","start":1733.0399,"end":1734.0199,"sentiment":"neutral","sentiment_score":0.10133807609478633},{"text":"Fantastic.","start":1736.24,"end":1736.74,"sentiment":"positive","sentiment_score":0.7992527484893799},{"text":"Now just confirming, in the event of passing, you're super to pay it out to.","start":1737.0399,"end":1741.6,"sentiment":"positive","sentiment_score":0.370324170589447},{"text":"Who would you like it to go to?","start":1741.6,"end":1743.3799,"sentiment":"neutral","sentiment_score":0.12677432131022215},{"text":"Fantastic.","start":1746.3551,"end":1746.8551,"sentiment":"positive","sentiment_score":0.5692815184593201}],"sentiment":"neutral","sentiment_score":0.2943430580198765,"num_words":28,"start":1733.0399,"end":1746.8551},{"sentences":[{"text":"And I've got Candice's details here.","start":1746.915,"end":1749.0951,"sentiment":"neutral","sentiment_score":0.23493579278389612},{"text":"Address is the same as yourself there.","start":1749.7151,"end":1751.8151,"sentiment":"neutral","sentiment_score":0.13071256982428686},{"text":"Beautiful.","start":1753.155,"end":1753.655,"sentiment":"positive","sentiment_score":0.3741445541381836},{"text":"And what's her date of birth?","start":1754.1951,"end":1755.735,"sentiment":"neutral","sentiment_score":0.06920962097744147},{"text":"Beautiful.","start":1761.01,"end":1761.51,"sentiment":"positive","sentiment_score":0.3456534743309021}],"sentiment":"neutral","sentiment_score":0.16474564284795806,"num_words":21,"start":1746.915,"end":1761.51},{"sentences":[{"text":"Sorry to put you on the spot there.","start":1761.9701,"end":1763.75,"sentiment":"neutral","sentiment_score":0.08217722503468394},{"text":"All good.","start":1770.225,"end":1770.945,"sentiment":"positive","sentiment_score":0.4562196731567383},{"text":"And I've just ticked the box here for spouse, and she identifies as a female.","start":1770.945,"end":1775.9049,"sentiment":"neutral","sentiment_score":0.10337191373109818},{"text":"Just confirming.","start":1775.9049,"end":1776.6449,"sentiment":"neutral","sentiment_score":0.16240279376506805},{"text":"Yep.","start":1778.625,"end":1779.105,"sentiment":"neutral","sentiment_score":0.22321641445159912}],"sentiment":"neutral","sentiment_score":0.131016351947827,"num_words":28,"start":1761.9701,"end":1779.105},{"sentences":[{"text":"Lovely.","start":1779.105,"end":1779.605,"sentiment":"positive","sentiment_score":0.5792486667633057},{"text":"Fantastic.","start":1779.745,"end":1780.245,"sentiment":"positive","sentiment_score":0.591556191444397},{"text":"And just with this type of beneficiary nominations, you can have several different types.","start":1781.76,"end":1785.76,"sentiment":"neutral","sentiment_score":0.18188936210104398},{"text":"The first one is nonbinding.","start":1785.76,"end":1787.14,"sentiment":"neutral","sentiment_score":0.1076595887541771},{"text":"That essentially means that you make the nomination, but in the event of passing, the trustee actually gets to decide where the benefit is paid to.","start":1787.52,"end":1795.435,"sentiment":"neutral","sentiment_score":0.14076723674168953}],"sentiment":"neutral","sentiment_score":0.1684149367378113,"num_words":47,"start":1779.105,"end":1795.435},{"sentences":[{"text":"You can also have it binding lapsing, which means you have to pre fulfill the form every three years, or we can do it binding, non lapsing.","start":1795.8151,"end":1803.275,"sentiment":"neutral","sentiment_score":0.08848122576320613},{"text":"The trustee follows the direction, and you never have to fill the format again once it's been applied.","start":1803.3351,"end":1808.0751,"sentiment":"neutral","sentiment_score":0.12108090685473548},{"text":"What would you like me to stick?","start":1808.57,"end":1810.19,"sentiment":"neutral","sentiment_score":0.030643303745559285},{"text":"Yeah.","start":1812.73,"end":1813.05,"sentiment":"neutral","sentiment_score":0.17646834254264832},{"text":"Beautiful.","start":1813.05,"end":1813.55,"sentiment":"positive","sentiment_score":0.4428238272666931}],"sentiment":"neutral","sentiment_score":0.10004156879666778,"num_words":54,"start":1795.8151,"end":1813.55},{"sentences":[{"text":"Excellent.","start":1815.05,"end":1815.55,"sentiment":"positive","sentiment_score":0.44855642318725586},{"text":"So what I'll do is I'll get my team to prefill the document for you to make it nice and easy.","start":1815.77,"end":1820.11,"sentiment":"neutral","sentiment_score":0.2982228667963119},{"text":"They'll send it out to you.","start":1820.25,"end":1821.485,"sentiment":"neutral","sentiment_score":0.20699426780144373},{"text":"Is it easier to do post or email or both?","start":1821.485,"end":1824.2051,"sentiment":"neutral","sentiment_score":0.08464476093649864},{"text":"What would you prefer?","start":1824.2051,"end":1825.265,"sentiment":"neutral","sentiment_score":0.02747227530926466}],"sentiment":"neutral","sentiment_score":0.21213187960286936,"num_words":42,"start":1815.05,"end":1825.265},{"sentences":[{"text":"Email.","start":1827.7251,"end":1828.2251,"sentiment":"neutral","sentiment_score":0.016454000025987625},{"text":"It will have to be wet signed, though.","start":1830.605,"end":1832.4451,"sentiment":"neutral","sentiment_score":0.008506903424859047},{"text":"So it'll have to be printed and signed because these are are legal documents.","start":1832.4451,"end":1835.6699,"sentiment":"neutral","sentiment_score":0.009534331437732493},{"text":"They do have a lot of stipulations around these being wet signed, so we'll have to ask you to print it, sign it, have a witness.","start":1835.6699,"end":1843.61,"sentiment":"neutral","sentiment_score":0.024125971401540134},{"text":"Candice can't be a witness.","start":1843.9099,"end":1845.2699,"sentiment":"neutral","sentiment_score":-0.004141480615362525}],"sentiment":"neutral","sentiment_score":0.015269587424376773,"num_words":54,"start":1827.7251,"end":1845.2699},{"sentences":[{"text":"So if you just have couple of neighbors or friends or family members that can just sign the same day that you do, then that'll be easier for you.","start":1845.2699,"end":1854.015,"sentiment":"neutral","sentiment_score":0.12247718009969284},{"text":"And then just shoot it straight back to us, and we'll make sure it's applied there for you.","start":1854.015,"end":1857.935,"sentiment":"neutral","sentiment_score":0.1688851300213072},{"text":"We'll check the form, and if there's any issues, we'll make sure we let you know.","start":1857.935,"end":1861.6951,"sentiment":"neutral","sentiment_score":0.09352130629122257},{"text":"Is that okay?","start":1861.6951,"end":1862.5951,"sentiment":"neutral","sentiment_score":0.0793868824839592},{"text":"Yep.","start":1864.04,"end":1864.4401,"sentiment":"neutral","sentiment_score":0.31922560930252075}],"sentiment":"neutral","sentiment_score":0.1290372794132624,"num_words":67,"start":1845.2699,"end":1864.4401},{"sentences":[{"text":"Beautiful.","start":1864.4401,"end":1864.9401,"sentiment":"positive","sentiment_score":0.6527591943740845},{"text":"And, hopefully, nothing happens.","start":1865.16,"end":1866.92,"sentiment":"positive","sentiment_score":0.34541476890444756},{"text":"But in the event of something occurring, just wanna make life a little bit easier for Candice there for you.","start":1866.92,"end":1871.74,"sentiment":"neutral","sentiment_score":0.31691539883613584},{"text":"Excellent.","start":1873.56,"end":1874.04,"sentiment":"positive","sentiment_score":0.7705434560775757},{"text":"Fantastic.","start":1874.04,"end":1874.54,"sentiment":"positive","sentiment_score":0.8029060959815979}],"sentiment":"positive","sentiment_score":0.3683768814360654,"num_words":27,"start":1864.4401,"end":1874.54},{"sentences":[{"text":"And looking forward to to, you know, super retirement goals.","start":1875.615,"end":1878.8151,"sentiment":"positive","sentiment_score":0.6874368906021118},{"text":"Just wanted to kind of update there.","start":1878.8151,"end":1880.335,"sentiment":"neutral","sentiment_score":0.21355402895382472},{"text":"I don't really have a lot sort of noted in the back end.","start":1880.335,"end":1883.135,"sentiment":"neutral","sentiment_score":-0.016036233506523646},{"text":"You had some holidays over the past few years that you were working 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try something you don't like, you do something else.","start":2109.9849,"end":2112.625,"sentiment":"neutral","sentiment_score":0.0034355537965893744},{"text":"And, I mean, I know people in their fifties and sixties who are still going back and trying to figure out what their passion is.","start":2112.625,"end":2119.185,"sentiment":"neutral","sentiment_score":0.08651384368538856},{"text":"So the fact that you found that is really exciting.","start":2119.185,"end":2121.845,"sentiment":"positive","sentiment_score":0.4361024171113968},{"text":"I'm really happy for you.","start":2121.905,"end":2123.445,"sentiment":"positive","sentiment_score":0.40527987480163574},{"text":"Yeah.","start":2123.6199,"end":2124.1199,"sentiment":"neutral","sentiment_score":0.1934038996696472}],"sentiment":"neutral","sentiment_score":0.17211821715475298,"num_words":51,"start":2109.9849,"end":2124.1199},{"sentences":[{"text":"No worries.","start":2124.9,"end":2125.72,"sentiment":"neutral","sentiment_score":0.1196286603808403},{"text":"The last thing to do is just to kinda do a quick risk profile questionnaire.","start":2126.5,"end":2129.6199,"sentiment":"neutral","sentiment_score":0.05378979966044426},{"text":"I've already been able to prefill some of the answers because you do have investments outside of Super, and you do have more than ten years before you're able to access your Super at this point.","start":2129.6199,"end":2139.375,"sentiment":"neutral","sentiment_score":0.05425694238187538},{"text":"I've ticked off the box that you're looking to try and obtain the best return possible from your sofa.","start":2139.935,"end":2144.995,"sentiment":"neutral","sentiment_score":0.06738972977588051},{"text":"But the last one to sort of look at is if we saw a market dip, say, 20%, if we saw, like, a GFC style event or something like COVID in the next year or two or 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you.","start":2320.3599,"end":2321.18,"sentiment":"neutral","sentiment_score":0.0670003704726696},{"text":"It doesn't?","start":2322.5151,"end":2323.175,"sentiment":"neutral","sentiment_score":-0.0811878927052021},{"text":"Yes.","start":2324.435,"end":2324.935,"sentiment":"neutral","sentiment_score":-0.03134907782077789},{"text":"Yes.","start":2329.0752,"end":2329.5752,"sentiment":"neutral","sentiment_score":0.17593154311180115}],"sentiment":"neutral","sentiment_score":0.09002410514014107,"num_words":7,"start":2309.0798,"end":2329.5752},{"sentences":[{"text":"Mhmm.","start":2334.53,"end":2335.03,"sentiment":"neutral","sentiment_score":0.18972298502922055},{"text":"Yep.","start":2336.61,"end":2337.11,"sentiment":"neutral","sentiment_score":0.3202778100967407},{"text":"Fantastic.","start":2342.29,"end":2342.79,"sentiment":"positive","sentiment_score":0.6774958372116089},{"text":"No.","start":2343.09,"end":2343.33,"sentiment":"neutral","sentiment_score":0.322243869304657},{"text":"Really good to hear that you're happy with how things are going.","start":2343.33,"end":2345.73,"sentiment":"positive","sentiment_score":0.5760293404261271}],"sentiment":"positive","sentiment_score":0.5263807866722345,"num_words":16,"start":2334.53,"end":2345.73},{"sentences":[{"text":"And, look, I'll be always always very honest with you.","start":2345.73,"end":2347.775,"sentiment":"neutral","sentiment_score":0.21463459134101867},{"text":"When the market is doing well well, I'll let you know.","start":2347.775,"end":2350.4148,"sentiment":"neutral","sentiment_score":0.1611009958115491},{"text":"However, when the market is down, why it is down, I'll be honest with you and tell you that that's a factor as well.","start":2350.4148,"end":2356.015,"sentiment":"neutral","sentiment_score":0.0483844360957543},{"text":"So, yeah, good to do these reviews.","start":2356.015,"end":2358.9148,"sentiment":"neutral","sentiment_score":0.3171042555144855},{"text":"Moving forward, did you wanna do a bit of catch up in about three months, six months?","start":2359.375,"end":2362.81,"sentiment":"neutral","sentiment_score":0.10556532924666125}],"sentiment":"neutral","sentiment_score":0.13179744520913,"num_words":69,"start":2345.73,"end":2362.81},{"sentences":[{"text":"Are you happy just for an annual review?","start":2362.81,"end":2364.73,"sentiment":"neutral","sentiment_score":0.11351958755403757},{"text":"How often would you like to see a catch up this year?","start":2364.73,"end":2367.23,"sentiment":"neutral","sentiment_score":0.05310518480837345},{"text":"Yeah.","start":2373.465,"end":2373.865,"sentiment":"neutral","sentiment_score":0.0038165058940649033},{"text":"No.","start":2373.865,"end":2374.1052,"sentiment":"neutral","sentiment_score":-0.06928746402263641},{"text":"I'm really sorry about that.","start":2374.1052,"end":2375.385,"sentiment":"neutral","sentiment_score":-0.19095373749732972}],"sentiment":"neutral","sentiment_score":0.01945108416731711,"num_words":27,"start":2362.81,"end":2375.385},{"sentences":[{"text":"It looks like we were a little bit behind, and we came across yours.","start":2375.385,"end":2378.4653,"sentiment":"neutral","sentiment_score":-0.1510916522571019},{"text":"I was like, oh, no.","start":2378.4653,"end":2379.225,"sentiment":"neutral","sentiment_score":-0.11328172385692596},{"text":"We need to get this one in now.","start":2379.225,"end":2380.745,"sentiment":"neutral","sentiment_score":-0.10089278127998114},{"text":"So giving you a quick call.","start":2380.745,"end":2382.185,"sentiment":"neutral","sentiment_score":0.0005867055927713712},{"text":"So, absolutely, I do apologize that it has been late, and I'm so, so very sorry about that.","start":2382.185,"end":2387.64,"sentiment":"neutral","sentiment_score":-0.14886615756485197}],"sentiment":"neutral","sentiment_score":-0.12088048242616888,"num_words":51,"start":2375.385,"end":2387.64},{"sentences":[{"text":"Did you did you just want me to make sure I touch base in six months or twelve months with you just to sort of make sure that moving forward that that doesn't get missed again, or what would you like?","start":2388.1199,"end":2397.9,"sentiment":"neutral","sentiment_score":0.009503815890994013},{"text":"Six months?","start":2399.655,"end":2400.1877,"sentiment":"neutral","sentiment_score":0.00481373374350369},{"text":"Six months?","start":2400.1877,"end":2400.7207,"sentiment":"neutral","sentiment_score":0.005025351420044899},{"text":"Yeah.","start":2400.7207,"end":2400.987,"sentiment":"neutral","sentiment_score":0.04923685640096664},{"text":"Beautiful.","start":2400.987,"end":2401.2534,"sentiment":"neutral","sentiment_score":0.33014148473739624}],"sentiment":"neutral","sentiment_score":0.016781126872259886,"num_words":47,"start":2388.1199,"end":2401.2534},{"sentences":[{"text":"Not a problem.","start":2401.2534,"end":2402.0527,"sentiment":"neutral","sentiment_score":0.20111980040868124},{"text":"And in the meantime, I'll get cracking on that advice.","start":2402.0527,"end":2404.7168,"sentiment":"neutral","sentiment_score":0.047933216020464894},{"text":"We'll limit scope that to the investments, looking at, you know, swapping out for you, doing a bit of a rebalance if we need to as well.","start":2404.7168,"end":2411.91,"sentiment":"neutral","sentiment_score":0.0634753835146074},{"text":"I'll get that advice sorted.","start":2411.99,"end":2413.27,"sentiment":"neutral","sentiment_score":0.11050329357385635},{"text":"My team will give you a call in a couple of weeks and book you back in to go through that with me, and then you can let me know what you wanna do moving forward.","start":2413.27,"end":2420.47,"sentiment":"neutral","sentiment_score":0.1966127631151014}],"sentiment":"neutral","sentiment_score":0.12872966489306203,"num_words":81,"start":2401.2534,"end":2420.47},{"sentences":[{"text":"I will also send out after the call your annual review documents to you.","start":2420.47,"end":2423.91,"sentiment":"neutral","sentiment_score":0.26192630933863775},{"text":"It has the the balance, the investment returns, the internal rate of return report for you to review.","start":2423.91,"end":2429.535,"sentiment":"neutral","sentiment_score":0.18544908240437508},{"text":"It's also got a tax file opt in form that we just need to get signed and returned.","start":2429.6748,"end":2433.515,"sentiment":"neutral","sentiment_score":0.16296717276175818},{"text":"So we hold your tax file number.","start":2433.515,"end":2435.115,"sentiment":"neutral","sentiment_score":0.16605646908283234},{"text":"We just wanna make sure you're aware of how and why so we have that form attached there for you.","start":2435.115,"end":2439.81,"sentiment":"neutral","sentiment_score":0.1963869623839855}],"sentiment":"neutral","sentiment_score":0.1951765643505307,"num_words":77,"start":2420.47,"end":2439.81},{"sentences":[{"text":"And if you're still happy to stay on board and be a client, we've also got the ongoing service agreement for the next twelve months there as well, which you've seen pretty well across the fee structure and how that works.","start":2440.29,"end":2450.1501,"sentiment":"positive","sentiment_score":0.3944229123795905},{"text":"Did you have any extra questions or anything that you wanted me to sort of follow-up on for you?","start":2450.9302,"end":2456.135,"sentiment":"neutral","sentiment_score":0.08384564695389647},{"text":"Or Yep.","start":2456.595,"end":2463.655,"sentiment":"neutral","sentiment_score":0.07195301540195942},{"text":"Yep.","start":2464.595,"end":2465.095,"sentiment":"neutral","sentiment_score":0.11627720296382904},{"text":"So with the you make the contribution straight into the super fund.","start":2474.53,"end":2478.13,"sentiment":"neutral","sentiment_score":0.13220292516052723}],"sentiment":"neutral","sentiment_score":0.26148033380508423,"num_words":75,"start":2440.29,"end":2478.13},{"sentences":[{"text":"Do you have the contributions details to make that into the super?","start":2478.13,"end":2481.91,"sentiment":"neutral","sentiment_score":0.038417297725876175},{"text":"Yep.","start":2484.7048,"end":2485.105,"sentiment":"neutral","sentiment_score":0.04365966469049454},{"text":"That's yep.","start":2485.105,"end":2491.4448,"sentiment":"neutral","sentiment_score":0.03120438475161791},{"text":"Yep.","start":2492.785,"end":2493.185,"sentiment":"neutral","sentiment_score":0.11109812557697296},{"text":"That's okay.","start":2493.185,"end":2493.825,"sentiment":"neutral","sentiment_score":0.19720494747161865}],"sentiment":"neutral","sentiment_score":0.05958800152358082,"num_words":18,"start":2478.13,"end":2493.825},{"sentences":[{"text":"Did you want me to send you an email with the the contributions details, the EFT or the BP information, or are you okay finding that in your super fund?","start":2493.825,"end":2502.78,"sentiment":"neutral","sentiment_score":0.08765982699890931},{"text":"Yep.","start":2504.6802,"end":2505.1802,"sentiment":"neutral","sentiment_score":0.239656925201416},{"text":"Absolutely.","start":2505.56,"end":2506.06,"sentiment":"positive","sentiment_score":0.5167683959007263},{"text":"And that way, you'll have my email there.","start":2506.2002,"end":2507.7202,"sentiment":"positive","sentiment_score":0.40117189660668373},{"text":"So once you've made the contribution in, if you can email me, let me know.","start":2507.7202,"end":2511.855,"sentiment":"neutral","sentiment_score":0.29164141714572905}],"sentiment":"neutral","sentiment_score":0.19945848292925142,"num_words":55,"start":2493.825,"end":2511.855},{"sentences":[{"text":"My team can go in there.","start":2512.335,"end":2513.535,"sentiment":"neutral","sentiment_score":0.3169069091478984},{"text":"We don't with Hub twenty four, it's nice.","start":2513.535,"end":2515.775,"sentiment":"neutral","sentiment_score":0.2998645529150963},{"text":"We don't need to sign a form anymore.","start":2515.775,"end":2517.635,"sentiment":"neutral","sentiment_score":0.11781206633895636},{"text":"You just tell me how much you've made that you wanna claim the notice of intent, and we can physically go in there and do that for you without signing a form to make it easier.","start":2517.855,"end":2525.635,"sentiment":"neutral","sentiment_score":0.28558789297110504},{"text":"Yeah.","start":2527.55,"end":2528.05,"sentiment":"neutral","sentiment_score":0.0892481654882431}],"sentiment":"neutral","sentiment_score":0.26463163934521755,"num_words":59,"start":2512.335,"end":2528.05},{"sentences":[{"text":"Much easier process now than having to sign that form.","start":2528.9102,"end":2531.6501,"sentiment":"positive","sentiment_score":0.36930028796195985},{"text":"Beautiful.","start":2533.6301,"end":2534.03,"sentiment":"positive","sentiment_score":0.6769263744354248},{"text":"Well, I'll follow-up with the email there with the contributions details.","start":2534.03,"end":2537.1501,"sentiment":"positive","sentiment_score":0.36983238567005505},{"text":"And if you can just let me know once you've made that contribution, that'd be great, and we'll get the beneficiary nomination set up and sent out for you as well.","start":2537.1501,"end":2544.735,"sentiment":"positive","sentiment_score":0.4143358574759576},{"text":"Okay?","start":2544.735,"end":2545.235,"sentiment":"neutral","sentiment_score":0.2276823967695236}],"sentiment":"positive","sentiment_score":0.3983366569435155,"num_words":54,"start":2528.9102,"end":2545.235},{"sentences":[{"text":"Fantastic.","start":2546.735,"end":2547.235,"sentiment":"positive","sentiment_score":0.7315034866333008},{"text":"Not a problem.","start":2547.535,"end":2548.175,"sentiment":"positive","sentiment_score":0.7457161545753479},{"text":"It's been an absolute pleasure.","start":2548.175,"end":2549.535,"sentiment":"positive","sentiment_score":0.8999843597412109},{"text":"I really appreciate it.","start":2549.535,"end":2550.415,"sentiment":"positive","sentiment_score":0.8846621066331863},{"text":"I've sent you annual review documents through to you.","start":2550.415,"end":2552.575,"sentiment":"positive","sentiment_score":0.6709299551116096}],"sentiment":"positive","sentiment_score":0.7747996259819377,"num_words":22,"start":2546.735,"end":2552.575},{"sentences":[{"text":"If you can have a good review of those and sign and return them back when you're able to, that would be fantastic.","start":2552.575,"end":2558.0898,"sentiment":"positive","sentiment_score":0.5960695601027944},{"text":"And if you finally have any questions, Ian, please let me know, and I'll make sure we have a six month catch up in the calendar for you as well.","start":2558.15,"end":2564.5498,"sentiment":"positive","sentiment_score":0.3485201666752497},{"text":"Okay?","start":2564.5498,"end":2565.0498,"sentiment":"neutral","sentiment_score":0.23512068390846252},{"text":"My pleasure.","start":2567.029,"end":2567.749,"sentiment":"positive","sentiment_score":0.7558628916740417},{"text":"Enjoy your day.","start":2567.749,"end":2568.549,"sentiment":"positive","sentiment_score":0.809415876865387}],"sentiment":"positive","sentiment_score":0.48034405051651646,"num_words":59,"start":2552.575,"end":2568.549},{"sentences":[{"text":"I hope you have a great afternoon.","start":2568.549,"end":2570.0889,"sentiment":"positive","sentiment_score":0.6533500126429966},{"text":"Thanks.","start":2570.629,"end":2571.129,"sentiment":"positive","sentiment_score":0.587171196937561},{"text":"See you later.","start":2572.309,"end":2573.109,"sentiment":"positive","sentiment_score":0.4719437857468923},{"text":"Bye.","start":2573.109,"end":2573.609,"sentiment":"neutral","sentiment_score":0.31753629446029663}],"sentiment":"positive","sentiment_score":0.5744990780949593,"num_words":12,"start":2568.549,"end":2573.609}]}}]},{"alternatives":[{"transcript":"Just a second. Oh, it's there. Good. Thanks. Yourself? Don't? Hello? Can you hear me? No. That's okay. Yeah. No. Now it's fine. Yeah. Yeah. Not too bad. We're not away from home on Wednesday. Yeah. Yep. Sure. Yep. Yeah. January 1980. Sorry. Address as well. Yep. Unit 2 Number. I think it's a Credit Manning WA. I had it actually, funnily enough, I actually checked it yesterday, and it's performing better than I was expecting, which is good, considering how volatile the market is right now. Yep. Yeah. Yeah. Yeah. Good. I was gonna say that just that, you know, I I do check semi regularly because I have my own investment profile as well. And that that took obviously, it took a bit of a hit in the last couple of or the last month or so, But nothing nothing to be concerned about. Just, you know, waiting for certain bad actors to stop impacting the market. Yeah. Yeah. Yes. Yes. Yes. Yeah. Mhmm. Mhmm. Yeah. Sure. Under my own name, I have Telstra and Medibank shares under my family trust. The large portion of it is CommBank, but that's mostly like, it's not a lot of shares, but, obviously, they're worth so much. I actually sold a bunch last year because I didn't think that the the price was like, it was a very high price. I didn't think Comback was actually worth what it was, so I sold about yeah. So I sold half of my chairs in combat. I've taken a couple of lots like, a couple of gambles on a few options that didn't work out. But, largely, it's it the majority of it is banks, Australian banks, and then I've I've actually taken a bit of a page out of my super, so I've actually invested in Global X, I think, the ETF. I bought some Domino's last year. I kinda off the top of my head, I kinda think a lot of most of them, but I tried I've tried to diversify where I can. But, yeah, a lot of obviously, a lot of value is coming from Australian banks. So that would be managed so say the more heavily managed one, that would be managed by yourselves? Yeah. Yes. Mhmm. Well, ultimately, I'd like I'd like yeah. Ultimately, I'd like whatever gives me the best return. So if, you know, if if the the higher managed one gives a better return than the than the extra fees you pay is, you know, moot. It's a moot point. And I do want my my super to perform. That's why I asked for that eighty, twenty yeah. Sort of 80% aggressive and the 20%, you know, is sensible. Yeah. Like I said, as long as it performs, I'm I'm comfortable with the the more managed approach. Yeah. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yeah. Absolutely. Mhmm. Yeah. Yeah. Sounds great. Just obviously with the government's capital gains trust. How does that affect Super, or does it not affect Super at all? Right. Yep. Yeah. Yep. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Yeah. They they yeah. They they kinda need to focus that onto the housing market, but yeah. No. That was it. Yeah. It's just that sort of the the the housing markets needs to be fixed as far as I'm concerned. We rent, but I'm I'm lucky in that. I rent from my parents who own the house. So but I I can't see myself owning a home before I retire. Just with the way the market is and the way the prices go up, I just don't see any benefit in it. Yeah. And the goalpost is to move. Yeah. Yeah. Yeah. Well, thank you for that. Well, we we we've talked about it, and and, I mean, I've got a four year old boy and no no grass. He's on our property whatsoever. It's it's we're we're in a split block and everywhere, we've got garden beds and paved areas. No grass whatsoever. There is a park down the road, but it's, you know, it's not as convenient. It's just coming out the back or the front or whatever and just having a play. So there is that element to it. It is as far as I'm concerned, it's Pipe Dream. Just we we we can work a bit harder at saving money for a deposit, but I just I look at, like, a loan and just, you know, instantly, you you're looking at how median house price in Perth was last time I looked at 800,000. Just add another 50% on top of that just for the repayments and yeah. I'm trying I'm trying to I even if I think just unless, you know, we get a large windfall or, you know, our pays increase 10%, maybe 15%. I don't see us buying a house and then having a loan and then paying it off before we probably even you know, even if I was denying having a fifty year loan, I don't see it being paid Absolutely. Yeah. Yeah. Yeah. Yeah. Mhmm. No. No. I'm I'm I'm I've I've taken a particular focus in my my health in the last year, and my job is, like, I'm working from home right now. If I had to, I could work from home. It's mostly desk based, computer based. So it's no. It's not a it's not a big concern. Yeah. May maybe in another maybe another ten years, maybe, but right now, no. Mhmm. Yeah. Mhmm. Sure. Sure. No. No. No. I totally Mhmm. I think it's how old is that information? Yeah. Yeah. I think it's closer to 90. I think it's in the yeah. '90. Yeah. No. We're we're we're still putting money away. Yeah. That's not that's no issue at all. Yeah. We're putting probably putting a bit more away than that. I think it's no. No. That's fine. Hang on. It's about $2.80, personally. Personally. Yeah. I actually don't like, one's in computer, and the other one's in, and they never you know? Yeah. That happened to have those shared values in front of you there. I could I think it's about 2,000 unless there were any extras added on at some point. Yeah. They each that's right. Yeah. So Telstra is $5 that's a $95.10 cents, and the deal is $4.84. $4.84. Yeah. Yeah. I I think off the top of my head. Yep. That would be that would be my trust. It's 600 and where is total? $7.90. Yep. Yeah. Which I I don't know any of the details of that one. Which we have sold. Well, not we we signed the papers Wednesday next week. Yeah. So we currently have a 2024 Isuzu MUX, and we will have a 2026 CRV. I don't know how the ice is due devalues, but we pay about $70.80 80 for it. Yeah. And we're paying 55. Sorry? I got it. No. Not the Isuzu. Oh, 73. 73? Was that with or without the trading? Oh, yeah. Alright. 73 for the Isuzu and 60 for the the RV. I'm not right. Yes. Sorry. What was the date on that one? No. That would be yeah. Well, it was insured last year for 15. But, yeah, that's the one that's being sold. No. Weekly, it's let me just check. It's not telling me anymore. It used to be easy to find. It's $5.25 weekly. No worries. Yeah. I've been flacking doing that in. Yep. Yep. Yeah. That should be fine. Candice Gilchrist. Yep. Yep. The 03/12/1982. No. That's okay. I'm looking very straight out. I was like, I couldn't get that wrong. Yep. That's right. Mhmm. Yeah. That's the last one. Email would be a c f because I have my digital signature, which can just stick on there. Oh, okay. Yep. Sure. Yeah. That's fine. This is Cheryl. Cheryl. Yep. Yeah. Yeah. That well, maybe. Depends on what The US was like in 2032. That that's that's still a goal, but it's all dependent on what America is like. Ideally, yeah. Yeah. Yeah. We just started a a business of I've just recently completed a remedial massage course. So I'm working full time. I haven't changed my job. And, yeah, we've just I have an APN, and I haven't actually sort of hit the ground running yet. We still got a few hurdles we're gonna jump, but, yeah, starting in mobile massage business. Hoping to transition into the massage business full time, but, obviously, we'll squeeze in clients in between work hours. And if my client list builds, then go part time at my role if possible and with with with the with the goal of eventually being full time. But, yeah, I'm fully aware that it's gonna take some time to get there. Yes. Yeah. Yeah. Yeah. Yeah. I actually get a lot of enjoyment out of helping people feel better. Yeah. Yeah. Yeah. When I look back on it, it's really something I should've gone into maybe PT or or physio in hindsight, but I sort of just started thinking that computers and tech, that was gonna be the future when I left school. And so that's the direction I went with in uni, and it didn't pan out. And then I sort of fell into this role as purchasing officer, and then really only just in the last two years tend to bridge with the idea that it's not for me and that and that being sort of in in the allied health industry is definitely more me. Yeah. Thank you. Thank you. Mhmm. Mhmm. Yes. That. No. No. No. When we we started these trusts, it was in 2020, and that was when the market dipped. And, yeah, we we took advantage of that. We bought bought bought in the dip. So, yeah, that's that's our perspective on that one. Personally and within my my my trust and and my so within the super? I'm prepared to take a little bit more risk. So that balance balance of risk. Yeah. Yep. Yeah. Yeah. I I I like I said, I looked at it yesterday. I looked at my balance yesterday, and I saw that there was a dip in the last couple of months, but we're back up again. But also, like, OPU has consistently performed since I signed up with you guys. Whereas when I was with SDA, it was it wasn't it wasn't going anywhere. It would go up, and then it would drop back down, and then it would go up, and then it would sort of drop back down. And I I understand, like, when you've got much smaller amounts, it doesn't move as much. But it really it didn't it didn't nothing for a couple of years, and that's when it just happened that you guys called me. It was a cold call, and I thought, I'll have a look at it. And I also at the time, I didn't just go with you guys straight up. I also looked at Australian Super at the time because they seemed like a better a good option. And you guys were just there was a lot more there was a lot more personal, a lot more hands on. And so, yeah, I've stuck with you guys, and you've and you've performed. So yeah. And and until such a time that OP stops performing, then I won't I won't I won't and you guys are incentivized. Like, if my super performs, you get your commission based on how well it performs. So I I'm I'm on board with all of that. And, yeah, as long as you guys keep performing, I'll stick with you guys. Yeah. The annual review is good. I just expected one six months ago. Right. Yep. Goodbye. Yeah. Six six months, I think, should work. Yeah. Yeah. Cool. Got it. Mhmm. Mhmm. Yes. Yes. Not a question. Just more of a we'll be making a personal super contribution in the next couple of weeks. So that I assume that process still stands. We send you the the the the ATO form. Not yet. We will. I'm just gonna look at what my work's contributions have been, and then we'll calculate how much we can up to the the the limit. Actually, yeah, if you could send, that would be great. Yeah. Oh, that'd be great. Yeah. For sure. Fantastic. Thank you very much. Fantastic. Thank you very much. Appreciate that. Thanks. You too. Thank you. Nice. 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a second. Oh, it's there. Good. Thanks. Yourself?\n\nDon't? Hello? Can you hear me? No. That's okay.\n\nYeah. No. Now it's fine. Yeah. Yeah.\n\nNot too bad. We're not away from home on Wednesday. Yeah. Yep. Sure.\n\nYep. Yeah. January 1980. Sorry. Address as well.\n\nYep. Unit 2 Number. I think it's a Credit Manning WA. I had it actually, funnily enough, I actually checked it yesterday, and it's performing better than I was expecting, which is good, considering how volatile the market is right now. Yep.\n\nYeah. Yeah. Yeah. Good. I was gonna say that just that, you know, I I do check semi regularly because I have my own investment profile as well.\n\nAnd that that took obviously, it took a bit of a hit in the last couple of or the last month or so, But nothing nothing to be concerned about. Just, you know, waiting for certain bad actors to stop impacting the market. Yeah. Yeah. Yes.\n\nYes. Yes. Yeah. Mhmm. Mhmm.\n\nYeah. Sure. Under my own name, I have Telstra and Medibank shares under my family trust. The large portion of it is CommBank, but that's mostly like, it's not a lot of shares, but, obviously, they're worth so much. I actually sold a bunch last year because I didn't think that the the price was like, it was a very high price.\n\nI didn't think Comback was actually worth what it was, so I sold about yeah. So I sold half of my chairs in combat. I've taken a couple of lots like, a couple of gambles on a few options that didn't work out. But, largely, it's it the majority of it is banks, Australian banks, and then I've I've actually taken a bit of a page out of my super, so I've actually invested in Global X, I think, the ETF. I bought some Domino's last year.\n\nI kinda off the top of my head, I kinda think a lot of most of them, but I tried I've tried to diversify where I can. But, yeah, a lot of obviously, a lot of value is coming from Australian banks. So that would be managed so say the more heavily managed one, that would be managed by yourselves? Yeah. Yes.\n\nMhmm. Well, ultimately, I'd like I'd like yeah. Ultimately, I'd like whatever gives me the best return. So if, you know, if if the the higher managed one gives a better return than the than the extra fees you pay is, you know, moot. It's a moot point.\n\nAnd I do want my my super to perform. That's why I asked for that eighty, twenty yeah. Sort of 80% aggressive and the 20%, you know, is sensible. Yeah. Like I said, as long as it performs, I'm I'm comfortable with the the more managed approach.\n\nYeah. Yeah. Mhmm. Mhmm. Yep.\n\nMhmm. Yeah. Absolutely. Mhmm. Yeah.\n\nYeah. Sounds great. Just obviously with the government's capital gains trust. How does that affect Super, or does it not affect Super at all? Right.\n\nYep. Yeah. Yep. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Cool. Yeah. They they yeah. They they kinda need to focus that onto the housing market, but yeah.\n\nNo. That was it. Yeah. It's just that sort of the the the housing markets needs to be fixed as far as I'm concerned. We rent, but I'm I'm lucky in that.\n\nI rent from my parents who own the house. So but I I can't see myself owning a home before I retire. Just with the way the market is and the way the prices go up, I just don't see any benefit in it. Yeah. And the goalpost is to move.\n\nYeah. Yeah. Yeah. Well, thank you for that. Well, we we we've talked about it, and and, I mean, I've got a four year old boy and no no grass.\n\nHe's on our property whatsoever. It's it's we're we're in a split block and everywhere, we've got garden beds and paved areas. No grass whatsoever. There is a park down the road, but it's, you know, it's not as convenient. It's just coming out the back or the front or whatever and just having a play.\n\nSo there is that element to it. It is as far as I'm concerned, it's Pipe Dream. Just we we we can work a bit harder at saving money for a deposit, but I just I look at, like, a loan and just, you know, instantly, you you're looking at how median house price in Perth was last time I looked at 800,000. Just add another 50% on top of that just for the repayments and yeah. I'm trying I'm trying to I even if I think just unless, you know, we get a large windfall or, you know, our pays increase 10%, maybe 15%.\n\nI don't see us buying a house and then having a loan and then paying it off before we probably even you know, even if I was denying having a fifty year loan, I don't see it being paid Absolutely. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. No. No. I'm I'm I'm I've I've taken a particular focus in my my health in the last year, and my job is, like, I'm working from home right now. If I had to, I could work from home.\n\nIt's mostly desk based, computer based. So it's no. It's not a it's not a big concern. Yeah. May maybe in another maybe another ten years, maybe, but right now, no.\n\nMhmm. Yeah. Mhmm. Sure. Sure.\n\nNo. No. No. I totally Mhmm. I think it's how old is that information?\n\nYeah. Yeah. I think it's closer to 90. I think it's in the yeah. '90.\n\nYeah. No. We're we're we're still putting money away. Yeah. That's not that's no issue at all.\n\nYeah. We're putting probably putting a bit more away than that. I think it's no. No. That's fine.\n\nHang on. It's about $2.80, personally. Personally. Yeah. I actually don't like, one's in computer, and the other one's in, and they never you know?\n\nYeah. That happened to have those shared values in front of you there. I could I think it's about 2,000 unless there were any extras added on at some point. Yeah. They each that's right.\n\nYeah. So Telstra is $5 that's a $95.10 cents, and the deal is $4.84. $4.84. Yeah. Yeah.\n\nI I think off the top of my head. Yep. That would be that would be my trust. It's 600 and where is total? $7.90.\n\nYep. Yeah. Which I I don't know any of the details of that one. Which we have sold. Well, not we we signed the papers Wednesday next week.\n\nYeah. So we currently have a 2024 Isuzu MUX, and we will have a 2026 CRV. I don't know how the ice is due devalues, but we pay about $70.80 80 for it. Yeah. And we're paying 55.\n\nSorry? I got it. No. Not the Isuzu. Oh, 73.\n\n73? Was that with or without the trading? Oh, yeah. Alright. 73 for the Isuzu and 60 for the the RV.\n\nI'm not right. Yes. Sorry. What was the date on that one? No.\n\nThat would be yeah. Well, it was insured last year for 15. But, yeah, that's the one that's being sold. No. Weekly, it's let me just check.\n\nIt's not telling me anymore. It used to be easy to find. It's $5.25 weekly. No worries. Yeah.\n\nI've been flacking doing that in. Yep. Yep. Yeah. That should be fine.\n\nCandice Gilchrist. Yep. Yep. The 03/12/1982. No.\n\nThat's okay. I'm looking very straight out. I was like, I couldn't get that wrong. Yep. That's right.\n\nMhmm. Yeah. That's the last one. Email would be a c f because I have my digital signature, which can just stick on there. Oh, okay.\n\nYep. Sure. Yeah. That's fine. This is Cheryl.\n\nCheryl. Yep. Yeah. Yeah. That well, maybe.\n\nDepends on what The US was like in 2032. That that's that's still a goal, but it's all dependent on what America is like. Ideally, yeah. Yeah. Yeah.\n\nWe just started a a business of I've just recently completed a remedial massage course. So I'm working full time. I haven't changed my job. And, yeah, we've just I have an APN, and I haven't actually sort of hit the ground running yet. We still got a few hurdles we're gonna jump, but, yeah, starting in mobile massage business.\n\nHoping to transition into the massage business full time, but, obviously, we'll squeeze in clients in between work hours. And if my client list builds, then go part time at my role if possible and with with with the with the goal of eventually being full time. But, yeah, I'm fully aware that it's gonna take some time to get there. Yes. Yeah.\n\nYeah. Yeah. Yeah. I actually get a lot of enjoyment out of helping people feel better. Yeah.\n\nYeah. Yeah. When I look back on it, it's really something I should've gone into maybe PT or or physio in hindsight, but I sort of just started thinking that computers and tech, that was gonna be the future when I left school. And so that's the direction I went with in uni, and it didn't pan out. And then I sort of fell into this role as purchasing officer, and then really only just in the last two years tend to bridge with the idea that it's not for me and that and that being sort of in in the allied health industry is definitely more me.\n\nYeah. Thank you. Thank you. Mhmm. Mhmm.\n\nYes. That. No. No. No.\n\nWhen we we started these trusts, it was in 2020, and that was when the market dipped. And, yeah, we we took advantage of that. We bought bought bought in the dip. So, yeah, that's that's our perspective on that one. Personally and within my my my trust and and my so within the super?\n\nI'm prepared to take a little bit more risk. So that balance balance of risk. Yeah. Yep. Yeah.\n\nYeah. I I I like I said, I looked at it yesterday. I looked at my balance yesterday, and I saw that there was a dip in the last couple of months, but we're back up again. But also, like, OPU has consistently performed since I signed up with you guys. Whereas when I was with SDA, it was it wasn't it wasn't going anywhere.\n\nIt would go up, and then it would drop back down, and then it would go up, and then it would sort of drop back down. And I I understand, like, when you've got much smaller amounts, it doesn't move as much. But it really it didn't it didn't nothing for a couple of years, and that's when it just happened that you guys called me. It was a cold call, and I thought, I'll have a look at it. And I also at the time, I didn't just go with you guys straight up.\n\nI also looked at Australian Super at the time because they seemed like a better a good option. And you guys were just there was a lot more there was a lot more personal, a lot more hands on. And so, yeah, I've stuck with you guys, and you've and you've performed. So yeah. And and until such a time that OP stops performing, then I won't I won't I won't and you guys are incentivized.\n\nLike, if my super performs, you get your commission based on how well it performs. So I I'm I'm on board with all of that. And, yeah, as long as you guys keep performing, I'll stick with you guys. Yeah. The annual review is good.\n\nI just expected one six months ago. Right. Yep. Goodbye. Yeah.\n\nSix six months, I think, should work. Yeah. Yeah. Cool. Got it.\n\nMhmm. Mhmm. Yes. Yes. Not a question.\n\nJust more of a we'll be making a personal super contribution in the next couple of weeks. So that I assume that process still stands. We send you the the the the ATO form. Not yet. We will.\n\nI'm just gonna look at what my work's contributions have been, and then we'll calculate how much we can up to the the the limit. Actually, yeah, if you could send, that would be great. Yeah. Oh, that'd be great. Yeah.\n\nFor sure. Fantastic. Thank you very much. Fantastic. Thank you very much.\n\nAppreciate that. Thanks. You too. Thank you. Nice.\n\nBye.","paragraphs":[{"sentences":[{"text":"Just a second.","start":0.0,"end":1.46,"sentiment":"neutral","sentiment_score":0.021183690056204796},{"text":"Oh, it's there.","start":5.6,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.06068889300028483},{"text":"Good.","start":11.04,"end":11.28,"sentiment":"positive","sentiment_score":0.5759555101394653},{"text":"Thanks.","start":11.28,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6283842921257019},{"text":"Yourself?","start":11.5199995,"end":12.015,"sentiment":"positive","sentiment_score":0.403009831905365}],"sentiment":"neutral","sentiment_score":0.2058852648155557,"num_words":9,"start":0.0,"end":12.015},{"sentences":[{"text":"Don't?","start":19.615,"end":20.115,"sentiment":"neutral","sentiment_score":-0.004602396860718727},{"text":"Hello?","start":24.83,"end":25.150002,"sentiment":"neutral","sentiment_score":-0.007801237516105175},{"text":"Can you hear me?","start":25.150002,"end":26.130001,"sentiment":"neutral","sentiment_score":-0.04035981371998787},{"text":"No.","start":29.470001,"end":29.630001,"sentiment":"neutral","sentiment_score":-0.040431637316942215},{"text":"That's okay.","start":29.630001,"end":30.45,"sentiment":"neutral","sentiment_score":0.01956237107515335}],"sentiment":"neutral","sentiment_score":-0.019461087158156767,"num_words":9,"start":19.615,"end":30.45},{"sentences":[{"text":"Yeah.","start":31.07,"end":31.39,"sentiment":"neutral","sentiment_score":0.05375382676720619},{"text":"No.","start":31.39,"end":31.630001,"sentiment":"neutral","sentiment_score":0.018695756793022156},{"text":"Now it's fine.","start":31.630001,"end":32.53,"sentiment":"neutral","sentiment_score":0.05090152161816756},{"text":"Yeah.","start":34.43,"end":34.93,"sentiment":"neutral","sentiment_score":0.267647922039032},{"text":"Yeah.","start":37.955,"end":38.195,"sentiment":"neutral","sentiment_score":0.10736042261123656}],"sentiment":"neutral","sentiment_score":0.08573749900928565,"num_words":7,"start":31.07,"end":38.195},{"sentences":[{"text":"Not too bad.","start":38.195,"end":38.835,"sentiment":"neutral","sentiment_score":0.10132227341334026},{"text":"We're not away from home on 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my own name, I have Telstra and Medibank shares under my family trust.","start":325.15,"end":331.925,"sentiment":"neutral","sentiment_score":0.06644634290465287},{"text":"The large portion of it is CommBank, but that's mostly like, it's not a lot of shares, but, obviously, they're worth so much.","start":334.38498,"end":342.16498,"sentiment":"neutral","sentiment_score":0.04285912013248257},{"text":"I actually sold a bunch last year because I didn't think that the the price was like, it was a very high price.","start":343.985,"end":352.53,"sentiment":"neutral","sentiment_score":-0.11707744366772797}],"sentiment":"neutral","sentiment_score":-0.009031124773525422,"num_words":62,"start":311.85498,"end":352.53},{"sentences":[{"text":"I didn't think Comback was actually worth what it was, so I sold about yeah.","start":352.53,"end":356.77002,"sentiment":"neutral","sentiment_score":-0.1494034784535567},{"text":"So I sold half of my chairs in 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they yeah.","start":926.395,"end":927.435,"sentiment":"neutral","sentiment_score":-0.07796026021242142},{"text":"They they kinda need to focus that onto the housing market, but yeah.","start":927.435,"end":932.34503,"sentiment":"neutral","sentiment_score":-0.09872975257726815}],"sentiment":"neutral","sentiment_score":-0.06627586091819562,"num_words":19,"start":904.665,"end":932.34503},{"sentences":[{"text":"No.","start":938.88,"end":938.96,"sentiment":"neutral","sentiment_score":-0.1640181839466095},{"text":"That was it.","start":938.96,"end":939.44,"sentiment":"neutral","sentiment_score":-0.1647685964902242},{"text":"Yeah.","start":939.44,"end":939.60004,"sentiment":"neutral","sentiment_score":-0.1616700291633606},{"text":"It's just that sort of the the the housing markets needs to be fixed as far as I'm concerned.","start":939.60004,"end":944.0,"sentiment":"neutral","sentiment_score":-0.21778779829803266},{"text":"We rent, but I'm I'm lucky in 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2032.","start":1897.675,"end":1900.5751,"sentiment":"neutral","sentiment_score":-0.03389511712723308},{"text":"That that's that's still a goal, but it's all dependent on what America is like.","start":1900.9551,"end":1905.45,"sentiment":"neutral","sentiment_score":0.0029696017891789475},{"text":"Ideally, yeah.","start":1916.49,"end":1918.095,"sentiment":"neutral","sentiment_score":0.059124311432242393},{"text":"Yeah.","start":1930.495,"end":1930.995,"sentiment":"neutral","sentiment_score":0.0237442497164011},{"text":"Yeah.","start":1932.655,"end":1933.155,"sentiment":"neutral","sentiment_score":0.29897964000701904}],"sentiment":"neutral","sentiment_score":0.006445017331446122,"num_words":28,"start":1897.675,"end":1933.155},{"sentences":[{"text":"We just started a a business of I've just recently completed a remedial massage course.","start":1942.61,"end":1951.0349,"sentiment":"neutral","sentiment_score":0.08013948947191238},{"text":"So I'm working full time.","start":1951.735,"end":1953.1749,"sentiment":"neutral","sentiment_score":0.03465870842337608},{"text":"I haven't changed my job.","start":1953.1749,"end":1954.455,"sentiment":"neutral","sentiment_score":-0.015847092680633067},{"text":"And, yeah, we've just I have an APN, and I haven't actually sort of hit the ground running yet.","start":1954.455,"end":1962.9,"sentiment":"neutral","sentiment_score":0.01093898934165114},{"text":"We still got a few hurdles we're gonna jump, but, yeah, starting in mobile massage business.","start":1963.04,"end":1969.62,"sentiment":"neutral","sentiment_score":-0.020155134610831738}],"sentiment":"neutral","sentiment_score":0.01969181774184108,"num_words":60,"start":1942.61,"end":1969.62},{"sentences":[{"text":"Hoping to transition into the massage business full time, but, obviously, we'll squeeze in clients in between work hours.","start":1981.465,"end":1993.24,"sentiment":"neutral","sentiment_score":0.055364936786262614},{"text":"And if my client list builds, then go part time at my role if possible and with with with the with the goal of eventually being full time.","start":1994.5801,"end":2004.02,"sentiment":"neutral","sentiment_score":0.04368313920817205},{"text":"But, yeah, I'm fully aware that it's gonna take some time to get there.","start":2004.02,"end":2008.205,"sentiment":"neutral","sentiment_score":-0.000027279569102185236},{"text":"Yes.","start":2013.625,"end":2014.125,"sentiment":"neutral","sentiment_score":0.09559084475040436},{"text":"Yeah.","start":2036.4249,"end":2036.9249,"sentiment":"neutral","sentiment_score":0.2220260202884674}],"sentiment":"neutral","sentiment_score":0.041147565838718224,"num_words":63,"start":1981.465,"end":2036.9249},{"sentences":[{"text":"Yeah.","start":2045.225,"end":2045.385,"sentiment":"neutral","sentiment_score":0.19870668649673465},{"text":"Yeah.","start":2045.385,"end":2045.5449,"sentiment":"neutral","sentiment_score":0.18998712301254272},{"text":"Yeah.","start":2045.5449,"end":2045.705,"sentiment":"neutral","sentiment_score":0.21072784066200256},{"text":"I actually get a lot of enjoyment out of helping people feel better.","start":2045.705,"end":2049.57,"sentiment":"neutral","sentiment_score":0.3134056398501763},{"text":"Yeah.","start":2055.33,"end":2055.81,"sentiment":"neutral","sentiment_score":0.045873358845710754}],"sentiment":"neutral","sentiment_score":0.27762166629819307,"num_words":17,"start":2045.225,"end":2055.81},{"sentences":[{"text":"Yeah.","start":2055.81,"end":2056.31,"sentiment":"neutral","sentiment_score":0.027759714052081108},{"text":"Yeah.","start":2056.6902,"end":2057.1902,"sentiment":"neutral","sentiment_score":0.016154751181602478},{"text":"When I look back on it, it's really something I should've gone into maybe PT or or physio in hindsight, but I sort of just started thinking that computers and tech, that was gonna be the future when I left school.","start":2057.25,"end":2075.1848,"sentiment":"neutral","sentiment_score":-0.004621903116746646},{"text":"And so that's the direction I went with in uni, and it didn't pan out.","start":2075.1848,"end":2079.96,"sentiment":"neutral","sentiment_score":-0.023277836168805757},{"text":"And then I sort of fell into this role as purchasing officer, and then really only just in the last two years tend to bridge with the idea that it's not for me and that and that being sort of in in the allied health industry is definitely more me.","start":2079.96,"end":2101.995,"sentiment":"neutral","sentiment_score":-0.02197067566215992}],"sentiment":"neutral","sentiment_score":-0.014752637853638994,"num_words":108,"start":2055.81,"end":2101.995},{"sentences":[{"text":"Yeah.","start":2122.5898,"end":2122.965,"sentiment":"positive","sentiment_score":0.33830320835113525},{"text":"Thank you.","start":2123.445,"end":2123.925,"sentiment":"positive","sentiment_score":0.39881432056427},{"text":"Thank you.","start":2123.925,"end":2124.665,"sentiment":"neutral","sentiment_score":0.29137882590293884},{"text":"Mhmm.","start":2132.725,"end":2133.225,"sentiment":"neutral","sentiment_score":0.02463051490485668},{"text":"Mhmm.","start":2159.865,"end":2160.365,"sentiment":"neutral","sentiment_score":0.017881140112876892}],"sentiment":"neutral","sentiment_score":0.2516001651861838,"num_words":7,"start":2122.5898,"end":2160.365},{"sentences":[{"text":"Yes.","start":2163.0652,"end":2163.42,"sentiment":"neutral","sentiment_score":0.0216091088950634},{"text":"That.","start":2163.66,"end":2164.16,"sentiment":"neutral","sentiment_score":0.004111180081963539},{"text":"No.","start":2166.6199,"end":2167.0999,"sentiment":"neutral","sentiment_score":-0.03214210644364357},{"text":"No.","start":2167.0999,"end":2167.5999,"sentiment":"neutral","sentiment_score":-0.03331172838807106},{"text":"No.","start":2167.8198,"end":2168.22,"sentiment":"neutral","sentiment_score":-0.035987190902233124}],"sentiment":"neutral","sentiment_score":-0.015144147351384163,"num_words":5,"start":2163.0652,"end":2168.22},{"sentences":[{"text":"When we we started these trusts, it was in 2020, and that was when the market dipped.","start":2168.22,"end":2178.205,"sentiment":"neutral","sentiment_score":-0.007451909155968358},{"text":"And, yeah, we we took advantage of that.","start":2178.205,"end":2180.125,"sentiment":"neutral","sentiment_score":0.01606424106284976},{"text":"We bought bought bought in the dip.","start":2180.125,"end":2182.765,"sentiment":"neutral","sentiment_score":0.028927882335015705},{"text":"So, yeah, that's that's our perspective on that one.","start":2182.765,"end":2185.265,"sentiment":"neutral","sentiment_score":0.06176737157834901},{"text":"Personally and within my my my trust and and my so within the super?","start":2209.585,"end":2217.045,"sentiment":"neutral","sentiment_score":0.02310408478868859}],"sentiment":"neutral","sentiment_score":0.019703457826240497,"num_words":55,"start":2168.22,"end":2217.045},{"sentences":[{"text":"I'm prepared to take a little bit more risk.","start":2219.9502,"end":2221.79,"sentiment":"neutral","sentiment_score":0.010663007075587908},{"text":"So that balance balance of risk.","start":2221.79,"end":2223.7102,"sentiment":"neutral","sentiment_score":0.011630158560971418},{"text":"Yeah.","start":2223.7102,"end":2224.2102,"sentiment":"neutral","sentiment_score":0.03529886156320572},{"text":"Yep.","start":2227.79,"end":2228.29,"sentiment":"neutral","sentiment_score":0.06394144892692566},{"text":"Yeah.","start":2247.575,"end":2247.96,"sentiment":"neutral","sentiment_score":0.020236792042851448}],"sentiment":"neutral","sentiment_score":0.015845839865505695,"num_words":18,"start":2219.9502,"end":2247.96},{"sentences":[{"text":"Yeah.","start":2248.52,"end":2248.92,"sentiment":"neutral","sentiment_score":0.013993646018207071},{"text":"I I I like I said, I looked at it yesterday.","start":2248.92,"end":2251.48,"sentiment":"neutral","sentiment_score":-0.014906514266675169},{"text":"I looked at my balance yesterday, and I saw that there was a dip in the last couple of months, but we're back up again.","start":2251.48,"end":2256.38,"sentiment":"neutral","sentiment_score":-0.05018953047692776},{"text":"But also, like, OPU has consistently performed since I signed up with you guys.","start":2258.76,"end":2267.9048,"sentiment":"neutral","sentiment_score":0.1022954841277429},{"text":"Whereas when I was with SDA, it was it wasn't it wasn't going anywhere.","start":2268.4448,"end":2275.025,"sentiment":"neutral","sentiment_score":-0.052518552568342}],"sentiment":"neutral","sentiment_score":-0.010889834323181555,"num_words":65,"start":2248.52,"end":2275.025},{"sentences":[{"text":"It would go up, and then it would drop back down, and then it would go up, and then it would sort of drop back down.","start":2276.23,"end":2283.1902,"sentiment":"neutral","sentiment_score":-0.06044635764108254},{"text":"And I I understand, like, when you've got much smaller amounts, it doesn't move as much.","start":2283.1902,"end":2287.365,"sentiment":"neutral","sentiment_score":-0.06353059131652117},{"text":"But it really it didn't it didn't nothing for a couple of years, and that's when it just happened that you guys called me.","start":2287.925,"end":2295.385,"sentiment":"neutral","sentiment_score":-0.059621530740211405},{"text":"It was a cold call, and I thought, I'll have a look at it.","start":2295.845,"end":2298.565,"sentiment":"neutral","sentiment_score":-0.07436506077647209},{"text":"And I also at the time, I didn't just go with you guys straight up.","start":2298.565,"end":2301.8801,"sentiment":"neutral","sentiment_score":-0.05380065739154816}],"sentiment":"neutral","sentiment_score":-0.061759286413067264,"num_words":95,"start":2276.23,"end":2301.8801},{"sentences":[{"text":"I also looked at Australian Super at the time because they seemed like a better a good option.","start":2301.8801,"end":2306.3,"sentiment":"neutral","sentiment_score":-0.02013437480976184},{"text":"And you guys were just there was a lot more there was a lot more personal, a lot more hands on.","start":2306.76,"end":2313.82,"sentiment":"neutral","sentiment_score":0.1770033281119097},{"text":"And so, yeah, I've stuck with you guys, and you've and you've performed.","start":2315.895,"end":2319.3352,"sentiment":"neutral","sentiment_score":0.1866338734443371},{"text":"So yeah.","start":2319.3352,"end":2319.8152,"sentiment":"neutral","sentiment_score":0.04701756499707699},{"text":"And and until such a time that OP stops performing, then I won't I won't I won't and you guys are incentivized.","start":2319.8152,"end":2327.995,"sentiment":"neutral","sentiment_score":-0.04234171652404422}],"sentiment":"neutral","sentiment_score":0.06504485348705202,"num_words":76,"start":2301.8801,"end":2327.995},{"sentences":[{"text":"Like, if my super performs, you get your commission based on how well it performs.","start":2328.2952,"end":2335.99,"sentiment":"neutral","sentiment_score":0.22289374768733977},{"text":"So I I'm I'm on board with all of that.","start":2336.21,"end":2338.69,"sentiment":"positive","sentiment_score":0.4221865937113762},{"text":"And, yeah, as long as you guys keep performing, I'll stick with you guys.","start":2338.69,"end":2341.635,"sentiment":"positive","sentiment_score":0.3467769686664854},{"text":"Yeah.","start":2356.355,"end":2356.77,"sentiment":"neutral","sentiment_score":0.13359150290489197},{"text":"The annual review is good.","start":2368.53,"end":2370.23,"sentiment":"neutral","sentiment_score":0.269907483458519}],"sentiment":"neutral","sentiment_score":0.3089617474211587,"num_words":45,"start":2328.2952,"end":2370.23},{"sentences":[{"text":"I just expected one six months ago.","start":2370.6848,"end":2372.865,"sentiment":"neutral","sentiment_score":0.0665498213576419},{"text":"Right.","start":2381.4048,"end":2381.9048,"sentiment":"neutral","sentiment_score":0.005816899240016937},{"text":"Yep.","start":2382.6848,"end":2383.11,"sentiment":"neutral","sentiment_score":0.03727460652589798},{"text":"Goodbye.","start":2387.75,"end":2388.25,"sentiment":"neutral","sentiment_score":-0.1207888275384903},{"text":"Yeah.","start":2397.055,"end":2397.375,"sentiment":"neutral","sentiment_score":0.02120751701295376}],"sentiment":"neutral","sentiment_score":0.03721444952217015,"num_words":11,"start":2370.6848,"end":2397.375},{"sentences":[{"text":"Six six months, I think, should work.","start":2397.375,"end":2399.135,"sentiment":"neutral","sentiment_score":0.04062310765896525},{"text":"Yeah.","start":2399.135,"end":2399.635,"sentiment":"neutral","sentiment_score":0.01388098392635584},{"text":"Yeah.","start":2400.975,"end":2401.475,"sentiment":"neutral","sentiment_score":0.14688338339328766},{"text":"Cool.","start":2416.51,"end":2417.01,"sentiment":"neutral","sentiment_score":0.14621445536613464},{"text":"Got it.","start":2417.95,"end":2418.77,"sentiment":"neutral","sentiment_score":0.02394875860773027}],"sentiment":"neutral","sentiment_score":0.053269841126166284,"num_words":12,"start":2397.375,"end":2418.77},{"sentences":[{"text":"Mhmm.","start":2424.6848,"end":2425.1848,"sentiment":"neutral","sentiment_score":0.14480949938297272},{"text":"Mhmm.","start":2436.01,"end":2436.51,"sentiment":"neutral","sentiment_score":0.14645996689796448},{"text":"Yes.","start":2450.49,"end":2450.81,"sentiment":"neutral","sentiment_score":0.180940181016922},{"text":"Yes.","start":2450.81,"end":2451.165,"sentiment":"neutral","sentiment_score":0.14021362364292145},{"text":"Not a question.","start":2455.805,"end":2456.625,"sentiment":"neutral","sentiment_score":0.01227844941119353}],"sentiment":"neutral","sentiment_score":0.09275123131062303,"num_words":7,"start":2424.6848,"end":2456.625},{"sentences":[{"text":"Just more of a we'll be making a personal super contribution in the next couple of weeks.","start":2456.685,"end":2464.02,"sentiment":"neutral","sentiment_score":0.13376094641930916},{"text":"So that I assume that process still stands.","start":2465.22,"end":2467.78,"sentiment":"neutral","sentiment_score":0.11572182923555374},{"text":"We send you the the the the ATO form.","start":2467.78,"end":2472.52,"sentiment":"neutral","sentiment_score":0.121303614642885},{"text":"Not yet.","start":2483.035,"end":2483.4348,"sentiment":"neutral","sentiment_score":-0.030879353173077106},{"text":"We will.","start":2483.4348,"end":2484.1748,"sentiment":"neutral","sentiment_score":0.012156668119132519}],"sentiment":"neutral","sentiment_score":0.11194731275502004,"num_words":38,"start":2456.685,"end":2484.1748},{"sentences":[{"text":"I'm just gonna look at what my work's contributions have been, and then we'll calculate how much we can up to the the the limit.","start":2484.635,"end":2492.255,"sentiment":"neutral","sentiment_score":0.047906824573874476},{"text":"Actually, yeah, if you could send, that would be great.","start":2502.95,"end":2504.925,"sentiment":"neutral","sentiment_score":0.20057735592126846},{"text":"Yeah.","start":2505.085,"end":2505.585,"sentiment":"positive","sentiment_score":0.4027913808822632},{"text":"Oh, that'd be great.","start":2526.14,"end":2527.28,"sentiment":"positive","sentiment_score":0.6163903027772903},{"text":"Yeah.","start":2531.9,"end":2532.14,"sentiment":"neutral","sentiment_score":0.12850134074687958}],"sentiment":"neutral","sentiment_score":0.15122678308043538,"num_words":41,"start":2484.635,"end":2532.14},{"sentences":[{"text":"For sure.","start":2532.14,"end":2532.825,"sentiment":"neutral","sentiment_score":0.14422457292675972},{"text":"Fantastic.","start":2545.305,"end":2545.805,"sentiment":"positive","sentiment_score":0.7908013463020325},{"text":"Thank you very much.","start":2545.865,"end":2546.79,"sentiment":"positive","sentiment_score":0.8054440468549728},{"text":"Fantastic.","start":2564.885,"end":2565.385,"sentiment":"positive","sentiment_score":0.7498323917388916},{"text":"Thank you very much.","start":2565.4448,"end":2566.2449,"sentiment":"positive","sentiment_score":0.7765339016914368}],"sentiment":"positive","sentiment_score":0.6797495565066735,"num_words":12,"start":2532.14,"end":2566.2449},{"sentences":[{"text":"Appreciate that.","start":2566.2449,"end":2569.3489,"sentiment":"positive","sentiment_score":0.6032017916440964},{"text":"Thanks.","start":2569.3489,"end":2569.8489,"sentiment":"positive","sentiment_score":0.6705992221832275},{"text":"You too.","start":2570.709,"end":2571.189,"sentiment":"positive","sentiment_score":0.4147518575191498},{"text":"Thank you.","start":2571.189,"end":2571.929,"sentiment":"positive","sentiment_score":0.6021147668361664},{"text":"Nice.","start":2573.5088,"end":2573.909,"sentiment":"positive","sentiment_score":0.5105466842651367}],"sentiment":"positive","sentiment_score":0.5526603423058987,"num_words":8,"start":2566.2449,"end":2573.909},{"sentences":[{"text":"Bye.","start":2573.909,"end":2574.409,"sentiment":"neutral","sentiment_score":-0.10257910192012788}],"sentiment":"neutral","sentiment_score":-0.10257910192012788,"num_words":1,"start":2573.909,"end":2574.409}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Just a second. Oh, it's there.\n\nChannel 0: Hi, Ian. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: I'm very well. Thank you. I had to book in to go through your annual review state. Is now still a good time there for you?\n\nChannel 1: Don't?\n\nChannel 0: So\n\nChannel 1: Hello?\n\nChannel 0: sorry,\n\nChannel 1: Can you\n\nChannel 0: Ian.\n\nChannel 1: hear\n\nChannel 0: You're\n\nChannel 1: me?\n\nChannel 0: breaking up. Yeah. I can. Sorry. The phone was breaking up a little bit.\n\nI do apologize.\n\nChannel 1: No. That's okay.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: good. I\n\nChannel 1: No.\n\nChannel 0: had\n\nChannel 1: Now\n\nChannel 0: to\n\nChannel 1: it's fine.\n\nChannel 0: now is okay? Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: All good. How's your day been so far?\n\nChannel 1: Yeah. Not too bad. We're not away from home on Wednesday.\n\nChannel 0: Alright. Fantastic. Well, that works out quite well for you.\n\nChannel 1: Yeah.\n\nChannel 0: And before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that one?\n\nChannel 1: Yep. Sure.\n\nChannel 0: Fantastic. And just to do security there with you as well, we just need to confirm your full name, your address, and date of birth we should have on file for you.\n\nChannel 1: Yep. Yeah. January 1980. Sorry. Address as well.\n\nChannel 0: Yes, please. Thank you. Sorry.\n\nChannel 1: Yep. Unit 2 Number. I think it's a Credit Manning WA.\n\nChannel 0: Fantastic. Thank you so much for that. Ian, before we jump into your annual review, just sort of following up on any questions or anything that you might wanna sort of touch base on specifically. Did you have any questions or anything you wanted me to sort of focus on or just looking at how your sleep was doing?\n\nChannel 1: I had it actually, funnily enough, I actually checked it yesterday, and it's performing better than I was expecting, which is good,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: considering how volatile the market is right now.\n\nChannel 0: Yeah. Absolutely. Now we're having a look back this time last year, your balance then was about 304,519. So having a\n\nChannel 1: Yep.\n\nChannel 0: look at how things have gone, your balance is now on that $340,003.62 mark. So when I kind of look at how that has performed, taking away any fees, so your net return is actually 8.32%. So it has done really well considering what we have seen in the market. We have seen a bit of volatility from this year. So very happy\n\nChannel 1: Yeah.\n\nChannel 0: with that kind of return. Yeah. I'm glad you are too.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah. Good.\n\nChannel 0: Oh. Oh. Yeah. Sorry.\n\nChannel 1: I was gonna say that just that, you know, I I do check semi regularly because I have my own investment profile as well. And\n\nChannel 0: Yep.\n\nChannel 1: that that took obviously, it took a bit of a hit in the last couple of or the last month or so,\n\nChannel 0: Yep.\n\nChannel 1: But nothing nothing to be concerned about. Just, you know, waiting for certain bad actors to stop impacting the market.\n\nChannel 0: Yes. No. Absolutely. And it's not just sort of what's been happening over with The US and Iran that's also been impacting the the market. It's also been a high inflation of what's been going on within the country.\n\nSo we're sort of being hit on two ends.\n\nChannel 1: Yeah.\n\nChannel 0: It's the war in Iran Iran that's sort of being focused on the equities portion of it. However, bonds and fixed interest also take a bit of a hit when you have high inflation, so\n\nChannel 1: Yeah.\n\nChannel 0: it kind of affects all all markets. But, no, honestly, it has been a really good return. And looking at the way you are invested, you do have that growth environment, which sees 80% in growth investments. So things like Australian and international equities. We have property and the commodities in that kind of area, and then you generally see that 20% in defenses, the low risk investments like cash, bonds, and fixed interest.\n\nThis\n\nChannel 1: Yes.\n\nChannel 0: sort of portfolio, you're sort of chasing an average return of about seven to 9%. So they come out with 8.32 net of fees, you have kind of come out in the middle of that average range there, which is good to see. So\n\nChannel 1: Yes.\n\nChannel 0: very happy with how that has performed. I did have a bit of a look at your investments individually to sort of see how everything was going. Everything has performed really well. You are up on most areas. Do and finding some of your best performers were obviously silver and gold.\n\nWe have seen some really great increases in those areas there. But\n\nChannel 1: Yes.\n\nChannel 0: then also within just general equity, so US equities, your battery and lithium tech is up pretty high as well, which is good to see.\n\nChannel 1: Yeah.\n\nChannel 0: I did sort of have a look at your Australian equities portion. So we did originally recommend that you go into the Bannelong Australian equities to give you some Australian equities exposure, and Bannelong is meant to be more of an actively managed fund. So the investment manager of that fund are trying to outperform against the market or the industries that they're tracking. This investment\n\nChannel 1: Mhmm.\n\nChannel 0: normally has about 15 to 20 different investment options in it. But when I'm sort of looking at your portfolio and how that has sort of, performed, it is down a little bit. So it's actually underperforming a little bit there at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: We are kind of going through individually and just sort of looking to swap that out and maybe do a bit of a rebalance on your portfolio. Would you like me to go back, have a look at that, see if there's something better we can swap it out with, and maybe look at rebalancing your portfolio if that needs to happen as well.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Fantastic. Now you mentioned that you're investing in your own name as well. I can see here you do have shares in Medibank. Do you have any other sort of investments or shares that you own in that other portfolio?\n\nChannel 1: Under my own name, I have Telstra and Medibank shares under my\n\nChannel 0: Yep.\n\nChannel 1: family trust. The large portion of it is CommBank, but that's\n\nChannel 0: Okay.\n\nChannel 1: mostly like, it's not a lot of shares, but, obviously, they're worth so\n\nChannel 0: Yeah.\n\nChannel 1: much.\n\nChannel 0: Yeah.\n\nChannel 1: I actually sold a bunch\n\nChannel 0: Okay.\n\nChannel 1: last year because I didn't think that the the price was like, it was a very high price. I didn't think Comback was actually worth what it was, so\n\nChannel 0: Bit\n\nChannel 1: I sold\n\nChannel 0: overvalued?\n\nChannel 1: about\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So I sold half\n\nChannel 0: Yep.\n\nChannel 1: of my chairs in\n\nChannel 0: Okay.\n\nChannel 1: combat. I've taken a couple of lots like, a couple of gambles on a few options that didn't work out. But, largely,\n\nChannel 0: Yes.\n\nChannel 1: it's it the majority of it is banks, Australian banks, and then I've I've actually taken a bit of a page out of my super, so I've actually invested in Global X, I think, the ETF.\n\nChannel 0: Yep.\n\nChannel 1: I bought some Domino's last year. I kinda off the top of my head, I kinda think a lot of most of them, but I tried I've tried to diversify where I can. But, yeah, a lot of obviously,\n\nChannel 0: Yep.\n\nChannel 1: a lot of value is coming from Australian banks.\n\nChannel 0: Yeah. No. That's okay. That's absolutely fine. Not a problem at all.\n\nWell, when I sort of look at swapping some investments out and maybe replacing that band along Australian equities, the main sort of one thing I wanna kinda gauge is are you wanting to because you are realistically young enough. You've got a lot of time of work before you're able to access your super. 60 is the earliest we're able to access super under the legislation currently if we fully retire. So, realistically, you could have I can swap it out with something that's also giving you some active management in there. Or if you wanted to, I could always look at a couple of investment options that we have that are more passively managed, maybe index funds or ETFs that might be lower cost but also provide greater diversification.\n\nWhat would you sort of like me to look at with your super and how to swap that investment out for you?\n\nChannel 1: So that would be managed so say the more heavily managed one, that would be managed by yourselves?\n\nChannel 0: Yeah. We still manage it. It's just\n\nChannel 1: Yeah.\n\nChannel 0: about what we buy into the investments, whether we buy into, say, replacement along with another active manager\n\nChannel 1: Yes.\n\nChannel 0: or whether we maybe put put the money into more of an index fund to give you still Australian equities exposure, but the idea of having a passive managed fund is it tracks the market, and it can be cheaper. Both options are great for yourself, can give you your diversification, and can make your portfolio work harder. It just all\n\nChannel 1: Mhmm.\n\nChannel 0: comes down to what you're comfortable with. Do you wanna see more active management in your portfolio with active managers, or do you wanna sort of see a more of a low cost portfolio that still provides great diversification and and more importantly, lower fees?\n\nChannel 1: Well, ultimately,\n\nChannel 0: Tough one.\n\nChannel 1: I'd like I'd like yeah. Ultimately, I'd like whatever gives me the best return. So if, you know, if if the the higher managed one gives a better return than\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: Mhmm.\n\nChannel 1: than the extra fees you pay is, you know, moot.\n\nChannel 0: Yeah.\n\nChannel 1: It's a moot point. And I do want my my super to perform. That's why I asked for that eighty, twenty\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Sort of 80% aggressive and the 20%, you know, is sensible.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Like I said, as long as it performs, I'm I'm comfortable with the the more\n\nChannel 0: Either\n\nChannel 1: managed\n\nChannel 0: way\n\nChannel 1: approach. Yeah.\n\nChannel 0: yeah. That's okay. Not a problem at all. So if you like, we do have a couple of different options for active managers that we can look to replace them along with. I'm happy to have a look at those, look at how they have performed in the past, look at, obviously, the cost structure in comparison to your current portfolio, and, obviously, look at the weighting, things like that.\n\nAnd I could make a recommendation, update the advice to replace that investment. Does that sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. We have a few different investment options both with active management in there and also with passive funds. So we have options either way to suit. It's more just a personal thing.\n\nEssentially,\n\nChannel 1: Mhmm.\n\nChannel 0: when you look at your super, your super is essentially just the vehicle. What gets you the returns is the underlying investments, and it's about having the underlying investments that, a, are working, b, you don't wanna be paying too much for those, but, c, you know, a diversified range of active active and passive managers. Not everyone kind of wants active management in their portfolio, Lifespanalong or another one's, Affinity. GlobalX have some really great active investments as well.\n\nChannel 1: Mhmm.\n\nChannel 0: But it more just comes down to when you're younger, you can take a bit more risk in the market, and that's essentially what active managers do. They take a bit more risk. They tend to have more less of a certain investment. So as an example, Bennelong have anywhere between 15 to 20 different investments depending on what they're invested in at a time. Whereas if you look at something like the a 200, that's tracking the top 200 companies on the ASX.\n\nThe a 200 is more of a passive fund. It's tracking the market ups and downs. They're not buying and selling as much, and they're tracking the a two the Australian 200 index.\n\nChannel 1: Yep.\n\nChannel 0: Whereas, Benelon aren't really tracking an index as such. They're just buying in to suit what, you know, what they feel. They're looking at companies individually, and they're, you know, utilizing their analysts to decide when is a good time to buy. Is it the right time to sell a company? Is the company overvalued?\n\nAnd they're trying to time the market to buy into those positions. So that's where you kind of get that active management side of things in those investments like then along Australian equities.\n\nChannel 1: Mhmm.\n\nChannel 0: As you get a bit older, taking a little bit less risk in the market is really important. For yourself, because you're only 46 this year, you've still got a lot of time ahead of you. If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with. Does that sound okay? Does that make sense?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah. Perfect. Perfect. I'll also have a bit of a look at your portfolio as a whole. Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market.\n\nAs you sort\n\nChannel 1: Mhmm.\n\nChannel 0: of said, you like that eighty twenty sort of split. So don't wanna, you know, make sure you're overexposed particular area. And it's also good for compounding to sort of cement a position and sell some investments and redistribute that growth of amongst the rest of your portfolio as well. So\n\nChannel 1: Yeah.\n\nChannel 0: if you're comfortable, I can have a really good look at all of those options, Ian. I can look at reweighting your portfolio, see how everything's sort of working for you. When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved. You can take that away and have a really good look. Does that sound alright?\n\nChannel 1: Yeah. Sounds great.\n\nChannel 0: Yeah. Beautiful. Do you have any additional questions in relation to your super or anything that we kind of gone through at all so far? Or\n\nChannel 1: Just obviously with the government's capital gains trust. How does that affect Super, or does it not affect Super at all?\n\nChannel 0: At the moment, there's no changes to super to the super system with regards to capital gains or the trust stuff. It's\n\nChannel 1: Right.\n\nChannel 0: all kind of outside of super, which we're sort of thankful for.\n\nChannel 1: Yep.\n\nChannel 0: Even with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the bills\n\nChannel 1: Yeah.\n\nChannel 0: are gonna pass as they are, whether they're not gonna pass\n\nChannel 1: Yep.\n\nChannel 0: and or whether there's gonna be any changes to them. I did actually the other week was watching question time just to kinda see what they were doing, and it's quite interesting. There's a lot of questions being put out there with regard to the bills. A lot of, you know, opposition are coming and saying, well, how does this work if I have this scenario, this scenario, this scenario, is that going to, you know, affect me? Am I gonna be able to benefit?\n\nAm I not? And in all honesty, they're actually not really answering the question in any way, shape, or form. So I don't\n\nChannel 1: Yeah.\n\nChannel 0: really know how they think this is supposed to work, but I think what we can kinda do at the moment is wait and see how this passes. If it passes, it may not. These are just bills at the moment. They may not go through. And if they do, they could go through with some changes.\n\nSo I think it's important to sort of see what what happens there.\n\nChannel 1: Mhmm.\n\nChannel 0: At\n\nChannel 1: Yeah.\n\nChannel 0: the moment, there's no none of these are affecting super, which is good to see.\n\nChannel 1: Yeah.\n\nChannel 0: But they obviously do have the the dif two nine three tax, which is the the tax on the 3 mil. So if your balance ends up over 3 mil, there is an additional tax in super there.\n\nChannel 1: Yeah.\n\nChannel 0: But right now, there's really nothing we can kinda do about that because we can't maneuver money. That would be something we wanna review around about the age of 60 or closer to retirement when your balance\n\nChannel 1: Yeah.\n\nChannel 0: does increase to sort of see\n\nChannel 1: Yeah.\n\nChannel 0: what's projected out there and if you're, you know, expected to kind of, you know, benefit or if you're meant to be affected by those sorts of taxation side of things. Yeah.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. All good. All good. Yeah. It was quite interesting working everything.\n\nThey really don't really know what's happening. And when you sort of look at the scenarios being proposed, all they're coming back with is just citing sections of the bill, and it's so broad. I don't even think they understand what they put forward at this one time. So\n\nChannel 1: Yeah.\n\nChannel 0: we'll see what happens.\n\nChannel 1: They they yeah. They they kinda need to focus that onto the housing market, but yeah.\n\nChannel 0: Absolutely. Sorry. You're right.\n\nChannel 1: No. That was it. Yeah. It's just that sort of the the the housing markets needs to be fixed as far as I'm concerned. We rent, but I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: lucky in that. I rent from my parents who own the house.\n\nChannel 0: Okay.\n\nChannel 1: So but I I can't see myself owning a home before I retire. Just with the way the market is and the way the prices go up, I just don't see any benefit in it.\n\nChannel 0: Yeah. No. It is that it's pricing out everyone very, very quickly. I know I've got two small kids myself, 19 and 20, and they're renting my investment property because, in all honesty, they can't afford. And I don't know how and when they're ever going to be able to afford without our assistance, and it's\n\nChannel 1: Yeah.\n\nChannel 0: just really sad there. They're putting money away and trying to save for it, but we are a year, two years down the track, they get to their goal amount they've saved, and then they've gotta, you know, save a bit\n\nChannel 1: And the\n\nChannel 0: more\n\nChannel 1: goalpost\n\nChannel 0: because it's\n\nChannel 1: is\n\nChannel 0: just\n\nChannel 1: to\n\nChannel 0: not enough. Exactly. Yeah. It's just passing\n\nChannel 1: move.\n\nChannel 0: everyone\n\nChannel 1: Yeah.\n\nChannel 0: out way too quickly. But who knows? We'll just wait and see what happens with all of this and see how it all works. But, yeah, there's\n\nChannel 1: Yeah.\n\nChannel 0: still a lot of questions with what what's to come. It's all just a sit and watch and wait at the moment and see what comes out in the next few months with all these new bills. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: All\n\nChannel 1: Well,\n\nChannel 0: good.\n\nChannel 1: thank you for\n\nChannel 0: That's okay. You did kinda mention that you, you know, buying a house isn't something you wanna do before not really able to do before retirement. Is it something you do want to do down the track, maybe purchase a property or not really? You're\n\nChannel 1: that.\n\nChannel 0: sorta happy renting your parents' home and\n\nChannel 1: Well, we we we've talked about it, and and, I mean, I've got a four year old boy and\n\nChannel 0: yeah.\n\nChannel 1: no no grass. He's on our property whatsoever. It's it's we're we're in a split block and everywhere, we've got garden beds and paved areas. No grass whatsoever. There is a park down the road, but it's, you know, it's not as convenient.\n\nIt's just coming out the back or the front or whatever and just\n\nChannel 0: No.\n\nChannel 1: having a play. So\n\nChannel 0: Yeah.\n\nChannel 1: there\n\nChannel 0: Absolutely.\n\nChannel 1: is that element to it. It is\n\nChannel 0: Yep.\n\nChannel 1: as far as I'm concerned, it's Pipe Dream. Just we we we can work a bit harder at saving money for a deposit, but I just\n\nChannel 0: Yeah.\n\nChannel 1: I look at, like, a loan and just, you know, instantly, you you're looking at how median house price in Perth was last time I looked at 800,000. Just add another 50% on top of that\n\nChannel 0: Yeah.\n\nChannel 1: just for the repayments and yeah. I'm trying I'm trying to I even if I think just unless, you know, we get a large windfall or, you know, our pays increase 10%, maybe 15%. I don't see us buying a house and then having a loan and then paying it off before we probably even you know, even if I was denying having a fifty year loan, I don't see it being paid\n\nChannel 0: Yeah. No. Absolutely. And when you sort of get to those retirement years, the last thing you want is to then take on another debt for another thirty odd years and\n\nChannel 1: Absolutely.\n\nChannel 0: the the risk of you having to work a little bit longer. Yeah. No. Completely understandable. I mean, it it we can leave it down here as a possibility of a goal down the track.\n\nYou know, it's\n\nChannel 1: Yeah.\n\nChannel 0: not something everybody wants. I've got friends who don't wanna ever buy a property. It's by no means their goal. They're just quite happy to, you know, work and travel and make memories and and rent. It doesn't sort of phase them in any way, shape, or form.\n\nSo it's definitely an individual choice.\n\nChannel 1: Yeah.\n\nChannel 0: And who knows? I mean, things could definitely change down the track, but that's absolutely fine. It would be nice to have some grasp over having a four year old. That's for sure.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No. All good. I can see here you don't have any insurances paid out of your super no personal cover like life, TPD, income protection, trauma. I know in the past, we've kinda had a bit of a chat about those, but do you do you feel the need to have any kind of insurance? Because I know if you were to pass away, your super is paid out to your beneficiary as your death benefit.\n\nChannel 1: Mhmm.\n\nChannel 0: But when it comes to TPD, income protection, things like that, if you were unable to go to work, how do you think you'd sort of cover yourself in the short term or in the long term with TPD? Do you feel like you need any insurances, or they're not not a priority? Or\n\nChannel 1: No. No. I'm I'm I'm I've I've taken a particular focus in my my health in the last year,\n\nChannel 0: yeah.\n\nChannel 1: and my job is, like, I'm working from home right now. If I had to, I could work from home. It's mostly desk based, computer based. So it's no. It's not a it's not a big concern.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah. May\n\nChannel 0: No.\n\nChannel 1: maybe\n\nChannel 0: That's\n\nChannel 1: in another\n\nChannel 0: absolutely\n\nChannel 1: maybe\n\nChannel 0: fine.\n\nChannel 1: another ten years, maybe, but\n\nChannel 0: Yes.\n\nChannel 1: right now, no.\n\nChannel 0: No. That's absolutely fine. And, I mean, you do have those investments outside of Super with the shares in your own name. So there is obviously that kind of buffer if you needed to as a worst case scenario. You could sort of fall back on that.\n\nI do like to sort of make sure I'm giving a bit of information as well. So if anything was to happen and you were to be unable to go back to work permanently, you can also\n\nChannel 1: Mhmm.\n\nChannel 0: claim TBD against your super, so it's permanent incapacity. Yeah. It does release the super to you to be able to draw down and live off. There\n\nChannel 1: Yeah.\n\nChannel 0: is always that option as well. So not sure\n\nChannel 1: Mhmm.\n\nChannel 0: if you're aware of that. Just like to kinda make sure I'm giving you a bit of backup information.\n\nChannel 1: Sure. Sure.\n\nChannel 0: All good. You're right. So sorry. Did you wanna ask something?\n\nChannel 1: No. No. No. I totally\n\nChannel 0: All good. All good. I just wanna run through this update all of your circumstances on file just to see if there's been any major changes. I had\n\nChannel 1: Mhmm.\n\nChannel 0: your income down as about 80,000.\n\nChannel 1: I\n\nChannel 0: Is that still fairly\n\nChannel 1: think\n\nChannel 0: accurate?\n\nChannel 1: it's how old is that information?\n\nChannel 0: This is from our last annual review, which was December 2024, so it's probably over a year old.\n\nChannel 1: Yeah. Yeah. I think it's closer to 90. I think it's in the yeah. '90.\n\nChannel 0: Oh, yep. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: And we had here that you were able to save on a weekly basis about a $123. Are you still finding you're able to put funds away, or it's just not possible with the cost of living?\n\nChannel 1: No. We're we're we're still putting money away. Yeah. That's not that's\n\nChannel 0: Yep.\n\nChannel 1: no issue at all. Yeah.\n\nChannel 0: No.\n\nChannel 1: We're\n\nChannel 0: That's\n\nChannel 1: putting\n\nChannel 0: okay.\n\nChannel 1: probably putting a bit more away than that.\n\nChannel 0: Yep. If you had to put it as a the last figure, what would you say you'd sort of consider it today?\n\nChannel 1: I think it's\n\nChannel 0: Sorry.\n\nChannel 1: no. No. That's fine. Hang on. It's about $2.80,\n\nChannel 0: Okay. Perfect. That's\n\nChannel 1: personally.\n\nChannel 0: actually nice.\n\nChannel 1: Personally.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Beautiful. And I have here so with your assets and liabilities being noted down, the shares that you did hold, that sort of Medibank tells to everything, we had a combined value roughly of 15,760 last time. What are your shares total value at the moment? I know that can change on a regular\n\nChannel 1: I\n\nChannel 0: basis.\n\nChannel 1: actually don't like, one's in computer, and the other one's in, and they never you know?\n\nChannel 0: Yep. And that yeah. And they're hard to log in to.\n\nChannel 1: Yeah.\n\nChannel 0: If you're not overly sure, that's absolutely fine. Even just an approximate value would be fine.\n\nChannel 1: That happened to have those shared values in front of you there.\n\nChannel 0: Not\n\nChannel 1: I could\n\nChannel 0: quite. Do you know how many shares you hold in each?\n\nChannel 1: I think it's about 2,000 unless\n\nChannel 0: Yep.\n\nChannel 1: there were any extras added on at some point.\n\nChannel 0: Okay. So about 2,000 shares.\n\nChannel 1: Yeah.\n\nChannel 0: Lovely.\n\nChannel 1: They\n\nChannel 0: Yep. That's it. And that's Telstra and\n\nChannel 1: each\n\nChannel 0: sorry. Telstra and Medibank, isn't it?\n\nChannel 1: that's right. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: Telstra is $5 that's a $95.10\n\nChannel 0: Yeah.\n\nChannel 1: cents,\n\nChannel 0: Yeah.\n\nChannel 1: and the deal is $4.84.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: $4.84. Yeah.\n\nChannel 0: Not a problem. I can work it out for you and do an estimated cost. It's not a problem at all. Excellent. And that's 3,000 shares in each, you said.\n\nSorry.\n\nChannel 1: Yeah.\n\nChannel 0: Just so I have the right figures. Yep. Fantastic.\n\nChannel 1: I I\n\nChannel 0: I\n\nChannel 1: think\n\nChannel 0: also\n\nChannel 1: off\n\nChannel 0: know\n\nChannel 1: the top of my head.\n\nChannel 0: yeah. That's okay. Honestly, it's not a problem at all. I've also got down here that you are in a trust with your parents there as well.\n\nChannel 1: Yep.\n\nChannel 0: A rough valuation of the trust was about 430,000 last time we sort of checked in. Do you know what\n\nChannel 1: That\n\nChannel 0: that\n\nChannel 1: would\n\nChannel 0: might\n\nChannel 1: be\n\nChannel 0: look like?\n\nChannel 1: that would be my trust.\n\nChannel 0: Yep.\n\nChannel 1: It's 600 and where is total? $7.90.\n\nChannel 0: $7.90. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And that one's just your trust, and you're also in a trust with your parents as well or a beneficiary\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Which\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: parents'\n\nChannel 1: I\n\nChannel 0: trust.\n\nChannel 1: don't know any of the details of that one.\n\nChannel 0: No. That's absolutely fine. I'll just make a note here that you're a beneficiary of that one as well. Easy. Not an issue.\n\nI've also got your two cars down. So we've got a 2014 Holden Commodore SV, rough valuation of 50,000 on that one.\n\nChannel 1: Which we have sold.\n\nChannel 0: Okay.\n\nChannel 1: Well, not we we signed the papers Wednesday next week.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. So we currently have a 2024 Isuzu MUX,\n\nChannel 0: Yep.\n\nChannel 1: and we will have a 2026 CRV.\n\nChannel 0: Oh, fantastic. And what sort of value would you put on both those vehicles, do you think?\n\nChannel 1: I don't know how the ice is due devalues,\n\nChannel 0: That's\n\nChannel 1: but\n\nChannel 0: okay.\n\nChannel 1: we pay about $70.80\n\nChannel 0: Yep. Yep.\n\nChannel 1: 80 for it. Yeah. And we're\n\nChannel 0: Beautiful.\n\nChannel 1: paying 55. Sorry? I got it. No. Not the Isuzu.\n\nOh, 73. 73? Was that with or\n\nChannel 0: 70\n\nChannel 1: without\n\nChannel 0: 3.\n\nChannel 1: the trading?\n\nChannel 0: Yep.\n\nChannel 1: Oh, yeah. Alright. 73 for the Isuzu and 60 for the the RV.\n\nChannel 0: Beautiful. And do you have loans on either of those vehicles or owned outright?\n\nChannel 1: I'm not right.\n\nChannel 0: Owned outright. Beautiful. Fantastic. I'll just note down those values as what your purchase price was for them. Essentially, when we're looking at value, it's more just what value it is to you if you had to sell the the vehicle.\n\nWhat would you want for it essentially? So if you're gonna just purchase them, you're probably gonna want as close to the value or as close to what you paid as possible. So I can\n\nChannel 1: Yes.\n\nChannel 0: note that down for you. I also have down here another 2,014 Holden Commodore SV with a value of 15,000. Do you still have the other Commodore at all, or do you get rid of both of those?\n\nChannel 1: Sorry. What was the date on that one?\n\nChannel 0: They're both they're both of them say 2014, but\n\nChannel 1: No.\n\nChannel 0: they\n\nChannel 1: That\n\nChannel 0: had\n\nChannel 1: would\n\nChannel 0: different\n\nChannel 1: be\n\nChannel 0: asset\n\nChannel 1: yeah.\n\nChannel 0: values. Yep.\n\nChannel 1: Well, it was insured last year for 15.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah, that's the one that's being sold.\n\nChannel 0: Yep. Beautiful. We'll get rid of that one. Fantastic. And any other cars, boats, or caravans, or anything else of value?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. And you're renting at the moment. How much rent are you guys paying on a regular basis, weekly or fortnightly?\n\nChannel 1: Weekly, it's let me just check. It's not\n\nChannel 0: Yeah. You're\n\nChannel 1: telling me\n\nChannel 0: right.\n\nChannel 1: anymore. It used to be easy to find.\n\nChannel 0: You're fine.\n\nChannel 1: It's $5.25 weekly.\n\nChannel 0: $5.25. Beautiful. Thank you for that. The other thing I had noted down here, I just wanted to sort of follow her through, was looking at your estate planning as well. So I've just had a look at your super.\n\nI can see you don't have a beneficiary\n\nChannel 1: No\n\nChannel 0: nomination\n\nChannel 1: worries.\n\nChannel 0: applied there at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I've\n\nChannel 0: it's\n\nChannel 1: been\n\nChannel 0: something\n\nChannel 1: flacking\n\nChannel 0: I do wanna help you.\n\nChannel 1: doing that\n\nChannel 0: That's okay. I can absolutely help you to have that fixed up if you like. If you're comfortable, are you happy with me getting the information for you today? My team can prefill the beneficiary nomination out for you with the details,\n\nChannel 1: in. Yep.\n\nChannel 0: and then we\n\nChannel 1: Yep.\n\nChannel 0: can send it to you just to be signed and witnessed and returned back. Is that okay?\n\nChannel 1: Yeah. That should be\n\nChannel 0: Fantastic. Now just confirming, in the event of passing, you're super to pay it out to. Who would you like it to go to?\n\nChannel 1: fine. Candice Gilchrist.\n\nChannel 0: Fantastic. And I've got Candice's details here. Address is the same as yourself there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. And what's her date of birth?\n\nChannel 1: The 03/12/1982.\n\nChannel 0: Beautiful. Sorry to put you on the spot there.\n\nChannel 1: No. That's okay. I'm looking very straight out. I was like, I couldn't get that wrong.\n\nChannel 0: All good. And I've just ticked the box here for spouse, and she identifies as a female. Just confirming.\n\nChannel 1: Yep. That's right.\n\nChannel 0: Yep. Lovely. Fantastic. And just with this type of beneficiary nominations, you can have several different types. The first one is nonbinding.\n\nThat essentially means that you make the nomination, but in the event of passing, the trustee actually gets to decide where the benefit is paid to. You can also have it binding lapsing, which means you have to pre fulfill the form every three years, or we can\n\nChannel 1: Mhmm.\n\nChannel 0: do it binding, non lapsing. The trustee follows the direction, and you never have to fill the format again once it's been applied. What would you like me to stick?\n\nChannel 1: Yeah. That's the last one.\n\nChannel 0: Yeah. Beautiful. Excellent. So what I'll do is I'll get my team to prefill the document for you to make it nice and easy. They'll send it out to you.\n\nIs it easier to do post or email or both? What would you prefer?\n\nChannel 1: Email would be a c f because I have my\n\nChannel 0: Email.\n\nChannel 1: digital signature, which can just stick on there.\n\nChannel 0: It will have to be wet signed, though. So it'll have to be printed and signed because these are\n\nChannel 1: Oh,\n\nChannel 0: are\n\nChannel 1: okay.\n\nChannel 0: legal documents. They do have a lot of stipulations around these being wet signed, so we'll have to ask you to print it, sign it, have a witness. Candice\n\nChannel 1: Yep.\n\nChannel 0: can't be a witness. So if you just have couple of neighbors or friends or family members that can just sign the same day that you do,\n\nChannel 1: Sure.\n\nChannel 0: then that'll be easier for you. And then just shoot it straight back to us, and we'll make sure it's applied there for you. We'll check the form, and if there's any issues, we'll make sure we let you know. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. And, hopefully, nothing happens. But in the event of something occurring, just wanna make life a little bit easier for Candice there for you.\n\nChannel 1: This is Cheryl. Cheryl.\n\nChannel 0: Excellent. Fantastic. And looking forward to to, you know, super retirement goals. Just wanted to kind of update there. I don't really have a lot sort of noted in the back end.\n\nYou had some holidays over the past few years that you were working towards. I believe in '20\n\nChannel 1: Yep.\n\nChannel 0: '32, you were wanting to go to The US. Is that\n\nChannel 1: Yeah.\n\nChannel 0: right still? Or\n\nChannel 1: Yeah. That\n\nChannel 0: yep.\n\nChannel 1: well, maybe. Depends on what The US was like in 2032. That that's that's still a goal, but it's all dependent on what America is like.\n\nChannel 0: Yeah. Yeah. No. Absolutely. And with your super goals there, are you hoping to sorta access super around about the age of six sixty trying to access it as early as physically possible, or do\n\nChannel 1: Ideally,\n\nChannel 0: you\n\nChannel 1: yeah.\n\nChannel 0: Yep. Beautiful. And with your investments you have in your own name and your trust and things like that, are you sorta hoping to keep those long term to provide additional income to supplement with super,\n\nChannel 1: Yeah.\n\nChannel 0: or do you think yep. Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Extra income. And is there any other goals that you're looking to sort of achieve?\n\nChannel 1: We just started a a business of I've just recently completed a remedial massage course.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: wow.\n\nChannel 1: I'm working full time. I haven't changed my job. And, yeah, we've just I have an APN, and I haven't actually sort of hit the ground running yet. We still got\n\nChannel 0: Yep.\n\nChannel 1: a few hurdles we're gonna jump, but, yeah, starting in mobile massage business.\n\nChannel 0: Oh, fantastic. And is are you still gonna sort of keep your current role and do that as well, or are you sort of hoping to transition into that? What's your goal with the business?\n\nChannel 1: Hoping to transition into the massage business\n\nChannel 0: Yep.\n\nChannel 1: full time, but, obviously, we'll squeeze in clients in between work hours. And if my client list builds, then go part time at my role if possible and\n\nChannel 0: Yeah.\n\nChannel 1: with with with the with the goal of eventually being full time. But, yeah, I'm fully\n\nChannel 0: Yeah.\n\nChannel 1: aware that it's gonna take some time to get there.\n\nChannel 0: Yeah. Absolutely. And because you're a purchasing officer in your current role, is that still right?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. And, look, honestly, that's the best way to do it. My husband does the same thing. He works in one role and then has his business on the side and just sort of builds up that client base.\n\nIt means that you're sort of working seven days a week sometimes, but you're kinda building that client base and building things up around your current role without the stress of having to still cover bills and where's money coming from. So it's\n\nChannel 1: Yeah.\n\nChannel 0: definitely not a bad way to build that. And, hopefully, it all works for you when you're able to transition full time. So remedial massage sounds exciting.\n\nChannel 1: Yeah. Yeah. Yeah. I actually get a lot of enjoyment out of helping people\n\nChannel 0: Oh,\n\nChannel 1: feel\n\nChannel 0: that's\n\nChannel 1: better.\n\nChannel 0: good. Oh, that's really good. That's fantastic. It'll be a very different role to what you're doing now. That's\n\nChannel 1: Yeah.\n\nChannel 0: for sure.\n\nChannel 1: Yeah. Yeah. When I look back on it, it's really something I should've gone into maybe PT or or physio in hindsight,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but I sort of just started thinking that computers and tech, that was gonna be the future when I left school. And so that's the direction\n\nChannel 0: Yeah.\n\nChannel 1: I went with in uni, and it didn't pan out. And then I sort of fell into this role as purchasing officer, and then really only just in the last two years tend to bridge with the idea that it's not for me\n\nChannel 0: Yes.\n\nChannel 1: and that\n\nChannel 0: Yeah.\n\nChannel 1: and that being sort of in in the allied health industry is definitely more me.\n\nChannel 0: Oh, fantastic. No. It's really good. It's really funny. You're kind of in our twenties and thirties and forties.\n\nWe sort of try to find that space. You try something you don't like, you do something else. And, I mean, I know people in their fifties and sixties who are still going back and trying to figure out what their passion is. So the fact that you found that is really exciting. I'm really happy\n\nChannel 1: Yeah.\n\nChannel 0: for you.\n\nChannel 1: Thank you.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: No worries. The last thing to do is just to kinda do a quick risk profile questionnaire. I've already been able to prefill some of the answers because you\n\nChannel 1: Mhmm.\n\nChannel 0: do have investments outside of Super, and you do have more than ten years before you're able to access your Super at this point. I've ticked off the box that you're looking to try and obtain the best return possible from your sofa. But the last one to sort of look at is if we saw a market dip, say, 20%, if we saw, like, a GFC style event or something like COVID in the next year or two or three. How do you think that might make you feel? Are you okay with it?\n\nChannel 1: Mhmm.\n\nChannel 0: It's probably a buying opportunity. You wanna put some more money into the market.\n\nChannel 1: Yes.\n\nChannel 0: Are you\n\nChannel 1: That.\n\nChannel 0: just holding weight, or are you a salesperson? Sorry.\n\nChannel 1: No. No. No. When we we started these trusts, it was in 2020, and that was\n\nChannel 0: Yeah.\n\nChannel 1: when the market dipped. And, yeah, we we took advantage\n\nChannel 0: Then\n\nChannel 1: of that. We bought bought bought in the dip. So, yeah, that's that's our perspective on that one.\n\nChannel 0: fantastic. Excellent. And when you consider the the the risk versus reward balance, do you consider yourself comfortable taking on the highest level of risk possible, try and get the best returns you can? Are you more in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can, or not willing to take a lot of risk in the market? How do you sort of fit yourself in that area?\n\nChannel 1: Personally and within my my\n\nChannel 0: More\n\nChannel 1: my\n\nChannel 0: than\n\nChannel 1: trust and\n\nChannel 0: more\n\nChannel 1: and my\n\nChannel 0: than super. Yeah.\n\nChannel 1: so within the super?\n\nChannel 0: Yeah. More than super. Yeah.\n\nChannel 1: I'm prepared to take a little bit more risk. So that\n\nChannel 0: Yep.\n\nChannel 1: balance balance of risk. Yeah.\n\nChannel 0: Yep. So you'd say maybe in between one and two there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Perfect. Excellent. And drops in your super balance, you know, we've got a bit of time ahead of us here.\n\nDo you feel like they you wouldn't really feel overly concerned? You know, markets recover and come back. It's more of a buying opportunity. You sort of not really too worried about drops in your super balance at the moment. Is that right, or would you be more concerned?\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: Mhmm.\n\nChannel 1: I I like I said, I looked at it yesterday. I looked at my balance yesterday, and I saw that there was a dip in the last couple of months, but we're back up again.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But also, like, OPU has consistently performed since I\n\nChannel 0: Yeah.\n\nChannel 1: signed up with you guys. Whereas when I was with SDA, it was it wasn't it wasn't going anywhere. It would go up, and then it would drop back down, and then it would go up, and then it would sort of drop back down. And I I understand, like, when you've got much smaller amounts, it doesn't move as much. But it\n\nChannel 0: Yeah.\n\nChannel 1: really it didn't it didn't nothing for a couple of years, and that's when it just happened that you guys called me. It\n\nChannel 0: Yeah.\n\nChannel 1: was a cold call, and I thought, I'll have\n\nChannel 0: Yeah.\n\nChannel 1: a look at it. And I also at the time, I didn't just go with you guys straight up. I also looked at\n\nChannel 0: No.\n\nChannel 1: Australian Super at the time because they seemed like a better a good option. And you\n\nChannel 0: Yeah.\n\nChannel 1: guys were just there\n\nChannel 0: Yep.\n\nChannel 1: was\n\nChannel 0: Fantastic.\n\nChannel 1: a lot more there was a lot more personal, a lot more hands on. And so, yeah, I've stuck with you guys, and you've and you've performed. So yeah. And and until\n\nChannel 0: Thank you.\n\nChannel 1: such a time that OP stops performing,\n\nChannel 0: It doesn't?\n\nChannel 1: then I won't I\n\nChannel 0: Yes.\n\nChannel 1: won't I won't and you guys are incentivized. Like, if my\n\nChannel 0: Yes.\n\nChannel 1: super performs, you get your commission based on\n\nChannel 0: Mhmm.\n\nChannel 1: how well it performs. So\n\nChannel 0: Yep.\n\nChannel 1: I I'm I'm on board with all of that. And, yeah, as long as you guys keep performing, I'll stick with you guys.\n\nChannel 0: Fantastic. No. Really good to hear that you're happy with how things are going. And, look, I'll be always always very honest with you. When the market is doing well well, I'll let you know.\n\nHowever, when the market is down, why it is down, I'll be honest with you and tell you that that's a factor as well. So,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, good to do these reviews. Moving forward, did you wanna do a bit of catch up in about three months, six months? Are you happy just for an annual review? How often would you like to see a catch up this year?\n\nChannel 1: The annual review is good. I just expected one six months ago.\n\nChannel 0: Yeah. No. I'm really sorry about that. It looks like we were a little bit behind, and we came across yours. I was like, oh, no.\n\nWe need to get this one in now. So giving you a\n\nChannel 1: Right.\n\nChannel 0: quick call. So, absolutely,\n\nChannel 1: Yep.\n\nChannel 0: I do apologize that it has been late, and I'm so, so very sorry about that.\n\nChannel 1: Goodbye.\n\nChannel 0: Did you did you just want me to make sure I touch base in six months or twelve months with you just to sort of make sure that moving forward that that doesn't get missed again, or what would you\n\nChannel 1: Yeah. Six\n\nChannel 0: like?\n\nChannel 1: six months, I think, should work. Yeah.\n\nChannel 0: Six months? Six months? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Not a problem. And in the meantime, I'll get cracking on that advice. We'll limit scope that to the investments, looking at, you know, swapping out for you, doing a bit of a rebalance if we need to as well. I'll get that advice sorted.\n\nMy team will give you a call in a couple of weeks and book you back in to go through\n\nChannel 1: Cool.\n\nChannel 0: that with me,\n\nChannel 1: Got\n\nChannel 0: and then\n\nChannel 1: it.\n\nChannel 0: you can let me know what you wanna do moving forward. I will also send out after the call your annual review documents to you. It has the\n\nChannel 1: Mhmm.\n\nChannel 0: the balance, the investment returns, the internal rate of return report for you to review. It's also got a tax file opt in form that we just need to get signed and returned. So we hold your tax file number. We just wanna make sure\n\nChannel 1: Mhmm.\n\nChannel 0: you're aware of how and why so we have that form attached there for you. And if you're still happy to stay on board and be a client, we've also got the ongoing service agreement for the next twelve months there as well, which you've seen pretty well across the fee structure and how that works.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Did you have any extra questions or anything that you wanted me to sort of follow-up on for you?\n\nChannel 1: Not a question.\n\nChannel 0: Or\n\nChannel 1: Just more of a we'll be making a personal super contribution in the next\n\nChannel 0: Yep.\n\nChannel 1: couple of weeks.\n\nChannel 0: Yep.\n\nChannel 1: So that I assume that process still stands. We send you the the the the ATO form.\n\nChannel 0: So with the you make the contribution straight into the super fund. Do you have the contributions details to make that into the super?\n\nChannel 1: Not yet. We will. I'm\n\nChannel 0: Yep.\n\nChannel 1: just gonna\n\nChannel 0: That's\n\nChannel 1: look at what my work's contributions have been, and then we'll calculate how much we can up to the\n\nChannel 0: yep.\n\nChannel 1: the the limit.\n\nChannel 0: Yep. That's okay. Did you want me to send you an email with the the contributions details, the EFT or the BP information, or are you okay finding that in your super fund?\n\nChannel 1: Actually, yeah, if you could send, that would be\n\nChannel 0: Yep.\n\nChannel 1: great. Yeah.\n\nChannel 0: Absolutely. And that way, you'll have my email there. So once you've made the contribution in, if you can email me, let me know. My team can go in there. We don't with Hub twenty four, it's nice.\n\nWe don't need to sign a form anymore. You just tell me how much you've made that you wanna claim the notice of intent, and we can physically go in there and do that for you without signing a form to make it easier.\n\nChannel 1: Oh, that'd be great.\n\nChannel 0: Yeah. Much easier process now than having to sign that form.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Beautiful. Well, I'll follow-up with the email there with the contributions details. And if you can just let me know once you've made that contribution, that'd be great, and we'll get the beneficiary nomination set up and sent out for you as well. Okay?\n\nChannel 1: Fantastic. Thank you very much.\n\nChannel 0: Fantastic. Not a problem. It's been an absolute pleasure. I really appreciate it. I've sent you annual review documents through to you.\n\nIf you can have a good review of those and sign and return them back when you're able to, that would be fantastic. And if you finally have any questions, Ian, please let me know, and I'll make sure we have a six month catch up in the calendar for you as well. Okay?\n\nChannel 1: Fantastic. Thank you very much. Appreciate\n\nChannel 0: My pleasure. Enjoy your day. I hope you have a\n\nChannel 1: that.\n\nChannel 0: great\n\nChannel 1: Thanks.\n\nChannel 0: afternoon. Thanks.\n\nChannel 1: You too. Thank you.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Nice. Bye.","paragraphs":[{"sentences":[{"text":"Just a second.","start":0.0,"end":1.46,"sentiment":"neutral","sentiment_score":0.021183690056204796},{"text":"Oh, it's there.","start":5.6,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.06068889300028483}],"sentiment":"neutral","sentiment_score":0.040936291528244816,"channel":1,"num_words":6,"start":0.0,"end":6.8199997},{"sentences":[{"text":"Hi, Ian.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.18047931790351868},{"text":"This is Dana from OQ Financial.","start":7.8399997,"end":9.46,"sentiment":"neutral","sentiment_score":0.20412824799617132},{"text":"How are you this 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state.","start":13.8550005,"end":16.095001,"sentiment":"neutral","sentiment_score":0.21793502445022264},{"text":"Is now still a good time there for you?","start":16.095001,"end":18.115,"sentiment":"neutral","sentiment_score":0.1982412983973821}],"sentiment":"neutral","sentiment_score":0.29350373034293836,"channel":0,"num_words":26,"start":12.575001,"end":18.115},{"sentences":[{"text":"Don't?","start":19.615,"end":20.115,"sentiment":"neutral","sentiment_score":-0.004602396860718727}],"sentiment":"neutral","sentiment_score":-0.004602396860718727,"channel":1,"num_words":1,"start":19.615,"end":20.115},{"sentences":[{"text":"So","start":24.75,"end":24.99,"sentiment":"neutral","sentiment_score":-0.002135270275175571}],"sentiment":"neutral","sentiment_score":-0.002135270275175571,"channel":0,"num_words":1,"start":24.75,"end":24.99},{"sentences":[{"text":"Hello?","start":24.83,"end":25.150002,"sentiment":"neutral","sentiment_score":-0.007801237516105175}],"sentiment":"neutral","sentiment_score":-0.007801237516105175,"channel":1,"num_words":1,"start":24.83,"end":25.150002},{"sentences":[{"text":"sorry,","start":24.99,"end":25.310001,"sentiment":"neutral","sentiment_score":-0.03022599220275879}],"sentiment":"neutral","sentiment_score":-0.03022599220275879,"channel":0,"num_words":1,"start":24.99,"end":25.310001},{"sentences":[{"text":"Can 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okay.","start":561.18005,"end":561.98004,"sentiment":"neutral","sentiment_score":0.22326113283634186},{"text":"Not a problem at all.","start":561.98004,"end":562.86005,"sentiment":"neutral","sentiment_score":0.25914708971977235},{"text":"So if you like, we do have a couple of different options for active managers that we can look to replace them along with.","start":562.86005,"end":568.39496,"sentiment":"neutral","sentiment_score":0.20164392795413733},{"text":"I'm happy to have a look at those, look at how they have performed in the past, look at, obviously, the cost structure in comparison to your current portfolio, and, obviously, look at the weighting, things like that.","start":568.39496,"end":579.4,"sentiment":"neutral","sentiment_score":0.3091438095036306}],"sentiment":"neutral","sentiment_score":0.2640297005219119,"channel":0,"num_words":70,"start":560.86005,"end":579.4},{"sentences":[{"text":"And I could make a recommendation, update the advice to replace that investment.","start":579.4,"end":583.26,"sentiment":"neutral","sentiment_score":0.15117418851989967},{"text":"Does that sound okay?","start":583.4,"end":584.54004,"sentiment":"neutral","sentiment_score":0.15308808535337448}],"sentiment":"neutral","sentiment_score":0.1516245171865996,"channel":0,"num_words":17,"start":579.4,"end":584.54004},{"sentences":[{"text":"Yeah.","start":584.885,"end":585.33,"sentiment":"neutral","sentiment_score":0.1342939734458923}],"sentiment":"neutral","sentiment_score":0.1342939734458923,"channel":1,"num_words":1,"start":584.885,"end":585.33},{"sentences":[{"text":"Yeah.","start":586.04004,"end":586.36005,"sentiment":"neutral","sentiment_score":0.30327585339546204},{"text":"Beautiful.","start":586.36005,"end":586.84,"sentiment":"positive","sentiment_score":0.5935022830963135},{"text":"We have a few different investment options both with active management in there and also with passive funds.","start":586.84,"end":592.935,"sentiment":"neutral","sentiment_score":0.24953757226467133},{"text":"So we have options either way to suit.","start":592.935,"end":595.015,"sentiment":"neutral","sentiment_score":0.23335705697536469},{"text":"It's more just a personal thing.","start":595.015,"end":596.71497,"sentiment":"neutral","sentiment_score":0.2278961812456449}],"sentiment":"neutral","sentiment_score":0.25360847001566605,"channel":0,"num_words":34,"start":586.04004,"end":596.71497},{"sentences":[{"text":"Essentially,","start":597.095,"end":597.495,"sentiment":"neutral","sentiment_score":0.12327156960964204}],"sentiment":"neutral","sentiment_score":0.12327156960964204,"channel":0,"num_words":1,"start":597.095,"end":597.495},{"sentences":[{"text":"Mhmm.","start":597.33,"end":597.645,"sentiment":"neutral","sentiment_score":0.13092833757400513}],"sentiment":"neutral","sentiment_score":0.13092833757400513,"channel":1,"num_words":1,"start":597.33,"end":597.645},{"sentences":[{"text":"when you look at your super, your super is essentially just the vehicle.","start":597.495,"end":600.475,"sentiment":"neutral","sentiment_score":0.15206218568178323},{"text":"What gets you the returns is the underlying investments, and it's about having the underlying investments that, a, are working, b, you don't wanna be paying too much for those, but, c, you know, a diversified range of active active and passive managers.","start":600.615,"end":613.82,"sentiment":"neutral","sentiment_score":0.1650232307093088},{"text":"Not everyone kind of wants active management in their portfolio, Lifespanalong or another one's, Affinity.","start":614.2,"end":619.58,"sentiment":"neutral","sentiment_score":0.0584583173195521},{"text":"GlobalX have some really great active investments as well.","start":620.205,"end":623.98505,"sentiment":"positive","sentiment_score":0.4585065411196815}],"sentiment":"neutral","sentiment_score":0.17595301205292344,"channel":0,"num_words":80,"start":597.495,"end":623.98505},{"sentences":[{"text":"Mhmm.","start":624.69995,"end":625.035,"sentiment":"neutral","sentiment_score":0.023541348055005074}],"sentiment":"neutral","sentiment_score":0.023541348055005074,"channel":1,"num_words":1,"start":624.69995,"end":625.035},{"sentences":[{"text":"But it more just comes down to when you're younger, you can take a bit more risk in the market, and that's essentially what active managers do.","start":624.84503,"end":631.085,"sentiment":"neutral","sentiment_score":-0.10515353290571107},{"text":"They take a bit more risk.","start":631.085,"end":632.28503,"sentiment":"neutral","sentiment_score":-0.1247662641108036},{"text":"They tend to have more less of a certain investment.","start":632.28503,"end":636.63,"sentiment":"neutral","sentiment_score":-0.14963482394814492},{"text":"So as an example, Bennelong have anywhere between 15 to 20 different investments depending on what they're invested in at a time.","start":636.69,"end":643.81006,"sentiment":"neutral","sentiment_score":-0.015852702950889416},{"text":"Whereas if you look at something like the a 200, that's tracking the top 200 companies on the ASX.","start":643.81006,"end":649.03,"sentiment":"neutral","sentiment_score":0.01958349719643593}],"sentiment":"neutral","sentiment_score":-0.06024719322366374,"channel":0,"num_words":84,"start":624.84503,"end":649.03},{"sentences":[{"text":"The a 200 is more of a passive fund.","start":649.665,"end":652.065,"sentiment":"neutral","sentiment_score":0.007549269745747249},{"text":"It's tracking the market ups and downs.","start":652.065,"end":654.225,"sentiment":"neutral","sentiment_score":-0.012042164004274778},{"text":"They're not buying and selling as much, and they're tracking the a two the Australian 200 index.","start":654.225,"end":660.40497,"sentiment":"neutral","sentiment_score":-0.10793507405940224}],"sentiment":"neutral","sentiment_score":-0.0560984236160011,"channel":0,"num_words":33,"start":649.665,"end":660.40497},{"sentences":[{"text":"Yep.","start":660.105,"end":660.605,"sentiment":"neutral","sentiment_score":0.04925205931067467}],"sentiment":"neutral","sentiment_score":0.04925205931067467,"channel":1,"num_words":1,"start":660.105,"end":660.605},{"sentences":[{"text":"Whereas, Benelon aren't really tracking an index as such.","start":660.865,"end":663.63,"sentiment":"neutral","sentiment_score":-0.03532386322816213},{"text":"They're just buying in to suit what, you know, what they feel.","start":663.63,"end":666.43,"sentiment":"neutral","sentiment_score":-0.0015892881589631236},{"text":"They're looking at companies individually, and they're, you know, utilizing their analysts to decide when is a good time to buy.","start":666.43,"end":673.55,"sentiment":"neutral","sentiment_score":0.013918801521261534},{"text":"Is it the right time to sell a company?","start":673.55,"end":675.39,"sentiment":"neutral","sentiment_score":-0.04839096301131778},{"text":"Is the company overvalued?","start":675.39,"end":676.53,"sentiment":"neutral","sentiment_score":-0.17902200669050217}],"sentiment":"neutral","sentiment_score":-0.021750874343243513,"channel":0,"num_words":55,"start":660.865,"end":676.53},{"sentences":[{"text":"And they're trying to time the market to buy into those positions.","start":677.685,"end":680.905,"sentiment":"neutral","sentiment_score":0.0013392843926946316},{"text":"So that's where you kind of get that active management side of things in those investments like then along Australian equities.","start":680.965,"end":687.145,"sentiment":"neutral","sentiment_score":0.11706609775622685}],"sentiment":"neutral","sentiment_score":0.07498362016948787,"channel":0,"num_words":33,"start":677.685,"end":687.145},{"sentences":[{"text":"Mhmm.","start":687.89496,"end":688.32,"sentiment":"neutral","sentiment_score":0.03948346525430679}],"sentiment":"neutral","sentiment_score":0.03948346525430679,"channel":1,"num_words":1,"start":687.89496,"end":688.32},{"sentences":[{"text":"As you get a bit older, taking a little bit less risk in the market is really important.","start":688.485,"end":693.22504,"sentiment":"neutral","sentiment_score":-0.008379786999689208},{"text":"For yourself, because you're only 46 this year, you've still got a lot of time ahead of you.","start":693.74,"end":699.51996,"sentiment":"neutral","sentiment_score":0.033706888297779694},{"text":"If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with.","start":699.66,"end":710.53503,"sentiment":"neutral","sentiment_score":0.2974707956115405},{"text":"Does that sound okay?","start":710.53503,"end":711.49506,"sentiment":"neutral","sentiment_score":0.1773202084004879},{"text":"Does that make 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whole.","start":716.93506,"end":720.155,"sentiment":"positive","sentiment_score":0.3679609107119696},{"text":"Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market.","start":720.89996,"end":728.27997,"sentiment":"neutral","sentiment_score":0.140506308387827}],"sentiment":"neutral","sentiment_score":0.23872436447577042,"channel":0,"num_words":44,"start":714.29504,"end":728.27997},{"sentences":[{"text":"As you sort","start":728.42,"end":728.98,"sentiment":"neutral","sentiment_score":0.061729658395051956}],"sentiment":"neutral","sentiment_score":0.061729658395051956,"channel":0,"num_words":3,"start":728.42,"end":728.98},{"sentences":[{"text":"Mhmm.","start":728.87994,"end":729.225,"sentiment":"neutral","sentiment_score":0.06228320300579071}],"sentiment":"neutral","sentiment_score":0.06228320300579071,"channel":1,"num_words":1,"start":728.87994,"end":729.225},{"sentences":[{"text":"of said, you like that eighty twenty sort of split.","start":728.98,"end":731.14,"sentiment":"neutral","sentiment_score":0.07141686361283064},{"text":"So don't wanna, you know, make sure you're overexposed particular area.","start":731.14,"end":734.955,"sentiment":"neutral","sentiment_score":-0.03372251936657862},{"text":"And it's also good for compounding to sort of cement a position and sell some investments and redistribute that growth of amongst the rest of your portfolio as well.","start":734.955,"end":743.91504,"sentiment":"neutral","sentiment_score":0.29169199590025274},{"text":"So","start":743.91504,"end":744.41504,"sentiment":"neutral","sentiment_score":0.12972596287727356}],"sentiment":"neutral","sentiment_score":0.17513754445255972,"channel":0,"num_words":51,"start":728.98,"end":744.41504},{"sentences":[{"text":"Yeah.","start":744.505,"end":744.72,"sentiment":"neutral","sentiment_score":0.18456941843032837}],"sentiment":"neutral","sentiment_score":0.18456941843032837,"channel":1,"num_words":1,"start":744.505,"end":744.72},{"sentences":[{"text":"if you're comfortable, I can have a really good look at all of those options, Ian.","start":744.635,"end":748.16,"sentiment":"neutral","sentiment_score":0.31029930524528027},{"text":"I can look at reweighting your portfolio, see how everything's sort of working for you.","start":748.22,"end":752.56,"sentiment":"neutral","sentiment_score":0.31705578168233234},{"text":"When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved.","start":753.33997,"end":765.605,"sentiment":"neutral","sentiment_score":0.1737208492248445},{"text":"You can take that away and have a really good look.","start":765.665,"end":767.82495,"sentiment":"neutral","sentiment_score":0.2056505341421474},{"text":"Does that sound alright?","start":767.82495,"end":768.96497,"sentiment":"neutral","sentiment_score":0.16786374151706696}],"sentiment":"neutral","sentiment_score":0.2299025044832603,"channel":0,"num_words":83,"start":744.635,"end":768.96497},{"sentences":[{"text":"Yeah.","start":769.21497,"end":769.535,"sentiment":"neutral","sentiment_score":0.30459171533584595},{"text":"Sounds 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trust.","start":778.94995,"end":786.585,"sentiment":"neutral","sentiment_score":-0.026207143790088594},{"text":"How does that affect Super, or does it not affect Super at all?","start":786.885,"end":790.425,"sentiment":"neutral","sentiment_score":-0.043247328498042546}],"sentiment":"neutral","sentiment_score":-0.03675582956167914,"channel":1,"num_words":21,"start":778.94995,"end":790.425},{"sentences":[{"text":"At the moment, there's no changes to super to the super system with regards to capital gains or the trust 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for.","start":797.745,"end":801.365,"sentiment":"neutral","sentiment_score":0.2441065882643064}],"sentiment":"neutral","sentiment_score":0.2441065882643064,"channel":0,"num_words":12,"start":797.745,"end":801.365},{"sentences":[{"text":"Yep.","start":801.78,"end":802.28,"sentiment":"neutral","sentiment_score":0.034557171165943146}],"sentiment":"neutral","sentiment_score":0.034557171165943146,"channel":1,"num_words":1,"start":801.78,"end":802.28},{"sentences":[{"text":"Even with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the 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later.","start":2572.309,"end":2573.109,"sentiment":"positive","sentiment_score":0.4719437857468923},{"text":"Bye.","start":2573.109,"end":2573.609,"sentiment":"neutral","sentiment_score":0.31753629446029663}],"sentiment":"positive","sentiment_score":0.4333419129252434,"channel":0,"num_words":4,"start":2572.309,"end":2573.609},{"sentences":[{"text":"Nice.","start":2573.5088,"end":2573.909,"sentiment":"positive","sentiment_score":0.5105466842651367},{"text":"Bye.","start":2573.909,"end":2574.409,"sentiment":"neutral","sentiment_score":-0.10257910192012788}],"sentiment":"neutral","sentiment_score":0.20398379117250443,"channel":1,"num_words":2,"start":2573.5088,"end":2574.409}]},"summary":{"result":"success","short":"The OQ Financial representative discusses the customer's investment portfolio and recommends trading in the Bannelong Australian equities and Australian equities portion of the portfolio. They also suggest swapping out the current portfolio and looking at different investment options for diversification and lower fees. The speaker emphasizes the importance of actively managing investments in the market and provides risk profile questionnaire and advice for transitioning full-time into the massage business. The customer expresses excitement for the opportunity to build a client base and discusses the process for updating retirement goals and signing and returning a tax file. The speaker emphasizes the importance of transitioning full-time into the massage business and building client bases."},"intents":{"segments":[{"text":"I had to book in to go through your annual review state. Is now still a good time there for you? Don't? So Hello?","start_word":27,"end_word":50,"intents":[{"intent":"Attend annual review","confidence_score":0.0018718751}]},{"text":"And just to do security there with you as well, we just need to confirm your full name, your address, and date of birth we should have on file for you. Yep.","start_word":158,"end_word":189,"intents":[{"intent":"Confirm security","confidence_score":0.30951124}]},{"text":"Now we're having a look back this time last year, your balance then was about 304,519. So having a Yep. look at how things have gone, your balance is now on that $340,003.62 mark.","start_word":306,"end_word":339,"intents":[{"intent":"Check balance","confidence_score":0.22306757}]},{"text":"sort of portfolio, you're sort of chasing an average return of about seven to 9%. So they come out with 8.32 net of fees, you have kind of come out in the middle of that average range there, which is good to see. So Yes.","start_word":639,"end_word":683,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.0038943798}]},{"text":"normally has about 15 to 20 different investment options in it. But when I'm sort of looking at your portfolio and how that has sort of, performed, it is down a little bit. So it's actually underperforming a little bit there at the moment. Mhmm.","start_word":841,"end_word":885,"intents":[{"intent":"Discuss options","confidence_score":0.12471892}]},{"text":"We are kind of going through individually and just sort of looking to swap that out and maybe do a bit of a rebalance on your portfolio. Would you like me to go back, have a look at that, see if there's something better we can swap it out with, and maybe look at rebalancing your portfolio if that needs to happen as well. Yeah.","start_word":886,"end_word":950,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.021987895}]},{"text":"Or if you wanted to, I could always look at a couple of investment options that we have that are more passively managed, maybe index funds or ETFs that might be lower cost but also provide greater diversification.","start_word":1300,"end_word":1337,"intents":[{"intent":"Discuss investment options","confidence_score":0.084784836}]},{"text":"Do you wanna see more active management in your portfolio with active managers, or do you wanna sort of see a more of a low cost portfolio that still provides great diversification and and more importantly, lower fees?","start_word":1475,"end_word":1512,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.16764462}]},{"text":"If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with. Does that sound okay? Does that make sense? Yeah.","start_word":2064,"end_word":2117,"intents":[{"intent":"Recommend active managers","confidence_score":0.0037794015}]},{"text":"I'll also have a bit of a look at your portfolio as a whole. Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market. As you sort Mhmm.","start_word":2122,"end_word":2166,"intents":[{"intent":"Discuss portfolio reweighting","confidence_score":0.1801429}]},{"text":"I can look at reweighting your portfolio, see how everything's sort of working for you. When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved.","start_word":2235,"end_word":2286,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.44403145}]},{"text":"When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved. You can take that away and have a really good look. Does that sound alright?","start_word":2250,"end_word":2301,"intents":[{"intent":"Update advice document","confidence_score":0.2596645}]},{"text":"Do you have any additional questions in relation to your super or anything that we kind of gone through at all so far? Or Just obviously with the government's capital gains trust. How does that affect Super, or does it not affect Super at all?","start_word":2307,"end_word":2351,"intents":[{"intent":"Ask questions about super system","confidence_score":0.07325707},{"intent":"Question questions about super","confidence_score":0.009892998}]},{"text":"At the moment, there's no changes to super to the super system with regards to capital gains or the trust stuff. It's Right.","start_word":2352,"end_word":2374,"intents":[{"intent":"Clarify impact of changes","confidence_score":0.026082488}]},{"text":"Even with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the bills Yeah.","start_word":2388,"end_word":2420,"intents":[{"intent":"Clarify purpose of bills","confidence_score":0.00026933174}]},{"text":"A lot of, you know, opposition are coming and saying, well, how does this work if I have this scenario, this scenario, this scenario, is that going to, you know, affect me? Am I gonna be able to benefit? Am I not? And in all honesty, they're actually not really answering the question in any way, shape, or form. So I don't Yeah.","start_word":2479,"end_word":2541,"intents":[{"intent":"Question opposition to bills","confidence_score":0.002717385}]},{"text":"But they obviously do have the the dif two nine three tax, which is the the tax on the 3 mil. So if your balance ends up over 3 mil, there is an additional tax in super there. Yeah.","start_word":2631,"end_word":2669,"intents":[{"intent":"Review tax changes","confidence_score":0.004945352}]},{"text":"They're putting money away and trying to save for it, but we are a year, two years down the track, they get to their goal amount they've saved, and then they've gotta, you know, save a bit And the more goalpost because it's is just to not enough. Exactly.","start_word":2974,"end_word":3022,"intents":[{"intent":"Explore finances","confidence_score":0.00013604341}]},{"text":"I've got friends who don't wanna ever buy a property. It's by no means their goal. They're just quite happy to, you know, work and travel and make memories and and rent. It doesn't sort of phase them in any way, shape, or form. So it's definitely an individual choice. Yeah.","start_word":3460,"end_word":3510,"intents":[{"intent":"Discuss personal goals","confidence_score":0.002081039}]},{"text":"But when it comes to TPD, income protection, things like that, if you were unable to go to work, how do you think you'd sort of cover yourself in the short term or in the long term with TPD? Do you feel like you need any insurances, or they're not not a priority? Or No.","start_word":3624,"end_word":3678,"intents":[{"intent":"Discuss income protection","confidence_score":0.00052148866}]},{"text":"And we had here that you were able to save on a weekly basis about a $123. Are you still finding you're able to put funds away, or it's just not possible with the cost of living? No.","start_word":4000,"end_word":4037,"intents":[{"intent":"Clarify investment in funds","confidence_score":0.0000027447393}]},{"text":"I can work it out for you and do an estimated cost.","start_word":4304,"end_word":4315,"intents":[{"intent":"Work out cost","confidence_score":0.567583}]},{"text":"And that's 3,000 shares in each, you said. Sorry. Yeah. Just so I have the right figures. Yep.","start_word":4322,"end_word":4339,"intents":[{"intent":"Confirm figure","confidence_score":0.009225444}]},{"text":"A rough valuation of the trust was about 430,000 last time we sort of checked in. Do you know what That that would might be look like? that would be my trust.","start_word":4381,"end_word":4412,"intents":[{"intent":"Verify trust value","confidence_score":0.022394342}]},{"text":"It's 600 and where is total? $7.","start_word":4414,"end_word":4420,"intents":[{"intent":"Collect debt amounts","confidence_score":4.8877162e-8}]},{"text":"So we currently have a 2024 Isuzu MUX, Yep. and we will have a 2026 CRV. Oh, fantastic.","start_word":4524,"end_word":4541,"intents":[{"intent":"Specify vehicle type","confidence_score":0.016022164}]},{"text":"I'll just note down those values as what your purchase price was for them. Essentially, when we're looking at value, it's more just what value it is to you if you had to sell the the vehicle. What would you want for it essentially? So if you're gonna just purchase them, you're probably gonna want as close to the value or as close to what you paid as possible. So I can Yes.","start_word":4639,"end_word":4711,"intents":[{"intent":"Obtain valuation information","confidence_score":0.00039384674}]},{"text":"Who would you like it to go to?","start_word":5020,"end_word":5027,"intents":[{"intent":"Confirm person","confidence_score":0.0010898374}]},{"text":"Address is the same as yourself there. Yep.","start_word":5038,"end_word":5045,"intents":[{"intent":"Provide address","confidence_score":0.10214231}]},{"text":"And what's her date of birth? The 03/12/1982.","start_word":5048,"end_word":5055,"intents":[{"intent":"Clarify date of birth","confidence_score":0.0090479385}]},{"text":"And I've just ticked the box here for spouse, and she identifies as a female. Just confirming.","start_word":5083,"end_word":5099,"intents":[{"intent":"Verify spouse","confidence_score":0.0007893832}]},{"text":"The first one is nonbinding. That essentially means that you make the nomination, but in the event of passing, the trustee actually gets to decide where the benefit is paid to. You can also have it binding lapsing, which means you have to pre fulfill the form every three years, or we can Mhmm. do it binding, non lapsing. The trustee follows the direction, and you never have to fill the format again once it's been applied.","start_word":5120,"end_word":5196,"intents":[{"intent":"Provide nonbinding form","confidence_score":0.007795286}]},{"text":"So what I'll do is I'll get my team to prefill the document for you to make it nice and easy. They'll send it out to you. Is it easier to do post or email or both? What would you prefer?","start_word":5212,"end_word":5252,"intents":[{"intent":"Prefill document","confidence_score":0.15057716},{"intent":"Send document","confidence_score":0.35104144}]},{"text":"They do have a lot of stipulations around these being wet signed, so we'll have to ask you to print it, sign it, have a witness. Candice Yep.","start_word":5296,"end_word":5323,"intents":[{"intent":"Print and sign document","confidence_score":0.033506826},{"intent":"Print document","confidence_score":0.022872869}]},{"text":"can't be a witness. So if you just have couple of neighbors or friends or family members that can just sign the same day that you do, Sure.","start_word":5324,"end_word":5351,"intents":[{"intent":"Provide witness","confidence_score":0.06478559}]},{"text":"And looking forward to to, you know, super retirement goals. Just wanted to kind of update there.","start_word":5430,"end_word":5446,"intents":[{"intent":"Update retirement goals","confidence_score":0.5174601}]},{"text":"Hoping to transition into the massage business Yep.","start_word":5720,"end_word":5727,"intents":[{"intent":"Transition to massage business","confidence_score":0.2271386}]},{"text":"My husband does the same thing. He works in one role and then has his business on the side and just sort of builds up that client base. It means that you're sort of working seven days a week sometimes, but you're kinda building that client base and building things up around your current role without the stress of having to still cover bills and where's money coming from. So it's Yeah.","start_word":5813,"end_word":5884,"intents":[{"intent":"Build client base","confidence_score":0.883918}]},{"text":"So remedial massage sounds exciting. Yeah. Yeah.","start_word":5907,"end_word":5913,"intents":[{"intent":"Enjoy remedial massage","confidence_score":0.0136709465}]},{"text":"It's probably a buying opportunity. You wanna put some more money into the market. Yes. Are you That.","start_word":6274,"end_word":6291,"intents":[{"intent":"Evaluate market preferences","confidence_score":0.05471783}]},{"text":"More than super. Yeah. I'm prepared to take a little bit more risk. So that Yep. balance balance of risk. Yeah.","start_word":6449,"end_word":6469,"intents":[{"intent":"Balance super","confidence_score":0.002711072}]},{"text":"I'm prepared to take a little bit more risk. So that Yep. balance balance of risk. Yeah. Yep.","start_word":6453,"end_word":6470,"intents":[{"intent":"Determine level of concern about risk","confidence_score":0.0000017196847}]},{"text":"But also, like, OPU has consistently performed since I Yeah.","start_word":6594,"end_word":6603,"intents":[{"intent":"Discuss opu performance","confidence_score":0.0027111096},{"intent":"Analyze opu's performance","confidence_score":0.020100037},{"intent":"Recount recent events with opu","confidence_score":1.1081215e-7}]},{"text":"a lot more there was a lot more personal, a lot more hands on. And so, yeah, I've stuck with you guys, and you've and you've performed. So yeah.","start_word":6750,"end_word":6778,"intents":[{"intent":"Express gratitude for sharing personal experience with opu","confidence_score":0.00021907997}]},{"text":"yeah, good to do these reviews. Moving forward, did you wanna do a bit of catch up in about three months, six months? Are you happy just for an annual review? How often would you like to see a catch up this year? The annual review is good.","start_word":6909,"end_word":6956,"intents":[{"intent":"Schedule review","confidence_score":0.14444645}]},{"text":"I will also send out after the call your annual review documents to you.","start_word":7166,"end_word":7179,"intents":[{"intent":"Send documents","confidence_score":0.030608218}]},{"text":"And if you're still happy to stay on board and be a client, we've also got the ongoing service agreement for the next twelve months there as well, which you've seen pretty well across the fee structure and how that works. Yes. Yes.","start_word":7245,"end_word":7287,"intents":[{"intent":"Keep form","confidence_score":0.06826114}]},{"text":"Or Just more of a we'll be making a personal super contribution in the next Yep. couple of weeks.","start_word":7310,"end_word":7328,"intents":[{"intent":"Make a contribution","confidence_score":0.14921731}]},{"text":"I'm Yep. just gonna That's look at what my work's contributions have been, and then we'll calculate how much we can up to the yep. the the limit.","start_word":7375,"end_word":7402,"intents":[{"intent":"Calculate contribution amount","confidence_score":0.011905525}]},{"text":"Did you want me to send you an email with the the contributions details, the EFT or the BP information, or are you okay finding that in your super fund?","start_word":7406,"end_word":7435,"intents":[{"intent":"Send email with contributions details","confidence_score":0.0108038355}]},{"text":"We don't with Hub twenty four, it's nice. We don't need to sign a form anymore. You just tell me how much you've made that you wanna claim the notice of intent, and we can physically go in there and do that for you without signing a form to make it easier.","start_word":7478,"end_word":7529,"intents":[{"intent":"Provide notice of absence","confidence_score":0.0032671571}]}]},"sentiments":{"segments":[{"text":"Just a second. Oh, it's there. Hi, Ian. This is Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.15077224373817444},{"text":"Good. Thanks. Yourself? I'm very well. Thank you.","start_word":19,"end_word":26,"sentiment":"positive","sentiment_score":0.58377605676651},{"text":"I had to book in to go through your annual review state. Is now still a good time there for you? Don't? So Hello? sorry, Can Ian. you hear You're breaking me? up. Yeah. I can. Sorry. The phone was breaking up a little bit. I do apologize. No. That's okay. That's good. Yeah. I No. had to Now it's fine. now is okay?","start_word":27,"end_word":90,"sentiment":"neutral","sentiment_score":0.03737186640501022},{"text":"Fantastic.","start_word":91,"end_word":91,"sentiment":"positive","sentiment_score":0.4379672408103943},{"text":"Yeah.","start_word":92,"end_word":92,"sentiment":"neutral","sentiment_score":0.267647922039032},{"text":"All good.","start_word":93,"end_word":94,"sentiment":"positive","sentiment_score":0.4116693139076233},{"text":"How's your day been so far? Yeah. Not too bad. We're not away from home on Wednesday. Alright.","start_word":95,"end_word":112,"sentiment":"neutral","sentiment_score":0.16638486087322235},{"text":"Fantastic. Well, that works out quite well for you.","start_word":113,"end_word":121,"sentiment":"positive","sentiment_score":0.616943359375},{"text":"Yeah. And before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that one? Yep. Sure.","start_word":122,"end_word":156,"sentiment":"neutral","sentiment_score":0.16132552921772003},{"text":"Fantastic.","start_word":157,"end_word":157,"sentiment":"positive","sentiment_score":0.3899140954017639},{"text":"And just to do security there with you as well, we just need to confirm your full name, your address, and date of birth we should have on file for you. Yep. Yeah. January 1980. Sorry. Address as well. Yes, please. Thank you. Sorry. Yep. Unit 2 Number. I think it's a Credit Manning WA.","start_word":158,"end_word":212,"sentiment":"neutral","sentiment_score":0.10964802652597427},{"text":"Fantastic. Thank you so much for that.","start_word":213,"end_word":219,"sentiment":"positive","sentiment_score":0.5427267551422119},{"text":"Ian, before we jump into your annual review, just sort of following up on any questions or anything that you might wanna sort of touch base on specifically. Did you have any questions or anything you wanted me to sort of focus on or just looking at how your sleep was doing?","start_word":220,"end_word":271,"sentiment":"neutral","sentiment_score":0.1961890310049057},{"text":"I had it actually, funnily enough, I actually checked it yesterday, and it's performing better than I was expecting, which is good, Yeah.","start_word":272,"end_word":294,"sentiment":"positive","sentiment_score":0.3631584942340851},{"text":"Absolutely. considering how volatile the market is right now. Yeah. Absolutely. Now we're having a look back this time last year, your balance then was about 304,519. So having a Yep. look at how things have gone, your balance is now on that $340,003.62 mark. So when I kind of look at how that has performed, taking away any fees, so your net return is actually 8.32%.","start_word":295,"end_word":361,"sentiment":"neutral","sentiment_score":0.15765362977981567},{"text":"So it has done really well considering what we have seen in the market.","start_word":362,"end_word":375,"sentiment":"positive","sentiment_score":0.5882542729377747},{"text":"We have seen a bit of volatility from this year.","start_word":376,"end_word":385,"sentiment":"neutral","sentiment_score":0.09800007939338684},{"text":"So very happy Yeah. with that kind of return.","start_word":386,"end_word":394,"sentiment":"positive","sentiment_score":0.49838384985923767},{"text":"Yeah.","start_word":395,"end_word":395,"sentiment":"neutral","sentiment_score":0.3290470242500305},{"text":"I'm glad you are too.","start_word":396,"end_word":400,"sentiment":"positive","sentiment_score":0.5221533179283142},{"text":"Yeah. No. Yeah. Good. Oh. Oh. Yeah. Sorry. I was gonna say that just that, you know, I I do check semi regularly because I have my own investment profile as well. And Yep. that that took obviously, it took a bit of a hit in the last couple of or the last month or so, Yep. But nothing nothing to be concerned about. Just, you know, waiting for certain bad actors to stop impacting the market. Yes. No. Absolutely. And it's not just sort of what's been happening over with The US and Iran that's also been impacting the the market. It's also been a high inflation of what's been going on within the country. So we're sort of being hit on two ends. Yeah. It's the war in Iran Iran that's sort of being focused on the equities portion of it. However, bonds and fixed interest also take a bit of a hit when you have high inflation, so Yeah. it kind of affects all all markets. But, no, honestly, it has been a really good return. And looking at the way you are invested, you do have that growth environment, which sees 80% in growth investments. So things like Australian and international equities. We have property and the commodities in that kind of area, and then you generally see that 20% in defenses, the low risk investments like cash, bonds, and fixed interest. This Yes. sort of portfolio, you're sort of chasing an average return of about seven to 9%. So they come out with 8.32 net of fees, you have kind of come out in the middle of that average range there, which is good to see.","start_word":401,"end_word":681,"sentiment":"neutral","sentiment_score":0.04584543779492378},{"text":"So Yes. very happy with how that has performed.","start_word":682,"end_word":690,"sentiment":"positive","sentiment_score":0.5581091046333313},{"text":"I did have a bit of a look at your investments individually to sort of see how everything was going.","start_word":691,"end_word":710,"sentiment":"neutral","sentiment_score":0.21052487194538116},{"text":"Everything has performed really well. You are up on most areas.","start_word":711,"end_word":721,"sentiment":"positive","sentiment_score":0.4391379952430725},{"text":"Do and finding some of your best performers were obviously silver and gold.","start_word":722,"end_word":734,"sentiment":"neutral","sentiment_score":0.3268429636955261},{"text":"We have seen some really great increases in those areas there.","start_word":735,"end_word":745,"sentiment":"positive","sentiment_score":0.43059951066970825},{"text":"But Yes.","start_word":746,"end_word":747,"sentiment":"neutral","sentiment_score":0.13825124502182007},{"text":"then also within just general equity, so US equities, your battery and lithium tech is up pretty high as well, which is good to see.","start_word":748,"end_word":772,"sentiment":"positive","sentiment_score":0.5177204608917236},{"text":"Yeah. I did sort of have a look at your Australian equities portion. So we did originally recommend that you go into the Bannelong Australian equities to give you some Australian equities exposure, and Bannelong is meant to be more of an actively managed fund. So the investment manager of that fund are trying to outperform against the market or the industries that they're tracking. This investment Mhmm. normally has about 15 to 20 different investment options in it. But when I'm sort of looking at your portfolio and how that has sort of, performed, it is down a little bit.","start_word":773,"end_word":873,"sentiment":"neutral","sentiment_score":0.07467719167470932},{"text":"So it's actually underperforming a little bit there at the moment.","start_word":874,"end_word":884,"sentiment":"negative","sentiment_score":-0.38675418496131897},{"text":"Mhmm. We are kind of going through individually and just sort of looking to swap that out and maybe do a bit of a rebalance on your portfolio. Would you like me to go back, have a look at that, see if there's something better we can swap it out with, and maybe look at rebalancing your portfolio if that needs to happen as well. Yeah. Sure. Yeah.","start_word":885,"end_word":952,"sentiment":"neutral","sentiment_score":-0.08297169208526611},{"text":"Fantastic.","start_word":953,"end_word":953,"sentiment":"positive","sentiment_score":0.5084174871444702},{"text":"Now you mentioned that you're investing in your own name as well. I can see here you do have shares in Medibank. Do you have any other sort of investments or shares that you own in that other portfolio? Under my own name, I have Telstra and Medibank shares under my Yep. family trust. The large portion of it is CommBank, but that's Okay. mostly like, it's not a lot of shares, but, obviously, they're worth so Yeah. much. Yeah. I actually sold a bunch Okay. last year because I didn't think that the the price was like, it was a very high price. I didn't think Comback was actually worth what it was, so Bit I sold overvalued? about Yeah. yeah. So I sold half Yep. of my chairs in Okay. combat. I've taken a couple of lots like, a couple of gambles on a few options that didn't work out. But, largely, Yes. it's it the majority of it is banks, Australian banks, and then I've I've actually taken a bit of a page out of my super, so I've actually invested in Global X, I think, the ETF. Yep. I bought some Domino's last year. I kinda off the top of my head, I kinda think a lot of most of them, but I tried I've tried to diversify where I can. But, yeah, a lot of obviously, Yep.","start_word":954,"end_word":1185,"sentiment":"neutral","sentiment_score":0.04999182446345944},{"text":"a lot of value is coming from Australian banks.","start_word":1186,"end_word":1194,"sentiment":"positive","sentiment_score":0.35331374406814575},{"text":"Yeah. No. That's okay.","start_word":1195,"end_word":1198,"sentiment":"neutral","sentiment_score":0.17893415689468384},{"text":"That's absolutely fine.","start_word":1199,"end_word":1201,"sentiment":"positive","sentiment_score":0.4732252061367035},{"text":"Not a problem at all. Well, when I sort of look at swapping some investments out and maybe replacing that band along Australian equities, the main sort of one thing I wanna kinda gauge is are you wanting to because you are realistically young enough. You've got a lot of time of work before you're able to access your super. 60 is the earliest we're able to access super under the legislation currently if we fully retire. So, realistically, you could have I can swap it out with something that's also giving you some active management in there. Or if you wanted to, I could always look at a couple of investment options that we have that are more passively managed, maybe index funds or ETFs that might be lower cost but also provide greater diversification. What would you sort of like me to look at with your super and how to swap that investment out for you? So that would be managed so say the more heavily managed one, that would be managed by yourselves? Yeah. We still manage it. It's just Yeah. about what we buy into the investments, whether we buy into, say, replacement along with another active manager Yes. or whether we maybe put put the money into more of an index fund to give you still Australian equities exposure, but the idea of having a passive managed fund is it tracks the market, and it can be cheaper.","start_word":1202,"end_word":1444,"sentiment":"neutral","sentiment_score":0.10811400413513184},{"text":"Both options are great for yourself, can give you your diversification, and can make your portfolio work harder.","start_word":1445,"end_word":1462,"sentiment":"positive","sentiment_score":0.4799425601959229},{"text":"It just all Mhmm. comes down to what you're comfortable with. Do you wanna see more active management in your portfolio with active managers, or do you wanna sort of see a more of a low cost portfolio that still provides great diversification and and more importantly, lower fees? Well, ultimately, Tough one. I'd like I'd like yeah. Ultimately, I'd like whatever gives me the best return. So if, you know, if if the the higher managed one gives a better return than Yep. the Mhmm. than the extra fees you pay is, you know, moot. Yeah. It's a moot point. And I do want my my super to perform. That's why I asked for that eighty, twenty Yeah. yeah. Sort of 80% aggressive and the 20%, you know, is sensible. Yeah. Yeah. Like I said, as long as it performs, I'm I'm comfortable with the the more Either managed way approach. Yeah. yeah. That's okay. Not a problem at all. So if you like, we do have a couple of different options for active managers that we can look to replace them along with. I'm happy to have a look at those, look at how they have performed in the past, look at, obviously, the cost structure in comparison to your current portfolio, and, obviously, look at the weighting, things like that. And I could make a recommendation, update the advice to replace that investment. Does that sound okay? Yeah. Yeah.","start_word":1463,"end_word":1704,"sentiment":"neutral","sentiment_score":0.17702683400024066},{"text":"Beautiful.","start_word":1705,"end_word":1705,"sentiment":"positive","sentiment_score":0.5935022830963135},{"text":"We have a few different investment options both with active management in there and also with passive funds. So we have options either way to suit. It's more just a personal thing. Essentially, Mhmm. when you look at your super, your super is essentially just the vehicle. What gets you the returns is the underlying investments, and it's about having the underlying investments that, a, are working, b, you don't wanna be paying too much for those, but, c, you know, a diversified range of active active and passive managers. Not everyone kind of wants active management in their portfolio, Lifespanalong or another one's, Affinity.","start_word":1706,"end_word":1810,"sentiment":"neutral","sentiment_score":0.1656140685081482},{"text":"GlobalX have some really great active investments as well.","start_word":1811,"end_word":1819,"sentiment":"positive","sentiment_score":0.45125192403793335},{"text":"Mhmm. But it more just comes down to when you're younger, you can take a bit more risk in the market, and that's essentially what active managers do. They take a bit more risk. They tend to have more less of a certain investment. So as an example, Bennelong have anywhere between 15 to 20 different investments depending on what they're invested in at a time. Whereas if you look at something like the a 200, that's tracking the top 200 companies on the ASX. The a 200 is more of a passive fund. It's tracking the market ups and downs. They're not buying and selling as much, and they're tracking the a two the Australian 200 index. Yep. Whereas, Benelon aren't really tracking an index as such. They're just buying in to suit what, you know, what they feel. They're looking at companies individually, and they're, you know, utilizing their analysts to decide when is a good time to buy. Is it the right time to sell a company? Is the company overvalued? And they're trying to time the market to buy into those positions. So that's where you kind of get that active management side of things in those investments like then along Australian equities. Mhmm. As you get a bit older, taking a little bit less risk in the market is really important. For yourself, because you're only 46 this year, you've still got a lot of time ahead of you. If you're comfortable with still having, you know, an active manager in there to replace that along, I'm happy to have a look at those for you, come up with an option, and make a recommendation to show you what we're gonna replace that with. Does that sound okay? Does that make sense? Yeah.","start_word":1820,"end_word":2117,"sentiment":"neutral","sentiment_score":0.0317454925494506},{"text":"Absolutely. Yeah. Perfect. Perfect. I'll also have a bit of a look at your portfolio as a whole.","start_word":2118,"end_word":2135,"sentiment":"positive","sentiment_score":0.40381401777267456},{"text":"Some of those other positions may need to be just reweighted a little bit, just making sure that you're not taking too much risk in the market. As you sort Mhmm. of said, you like that eighty twenty sort of split. So don't wanna, you know, make sure you're overexposed particular area. And it's also good for compounding to sort of cement a position and sell some investments and redistribute that growth of amongst the rest of your portfolio as well. So Yeah. if you're comfortable, I can have a really good look at all of those options, Ian. I can look at reweighting your portfolio, see how everything's sort of working for you. When we update the advice document, I'll make the recommendation on what I'm recommending we move you into, how we rebalance your portfolio, the cost of doing so, and then the advantages, disadvantages, and the risks involved. You can take that away and have a really good look. Does that sound alright? Yeah.","start_word":2136,"end_word":2302,"sentiment":"neutral","sentiment_score":0.19016752155598052},{"text":"Sounds great. Yeah. Beautiful.","start_word":2303,"end_word":2306,"sentiment":"positive","sentiment_score":0.5360048413276672},{"text":"Do you have any additional questions in relation to your super or anything that we kind of gone through at all so far? Or Just obviously with the government's capital gains trust. How does that affect Super, or does it not affect Super at all? At the moment, there's no changes to super to the super system with regards to capital gains or the trust stuff. It's Right. all kind of outside of super, which we're sort of thankful for. Yep. Even with the way that all has been put forward as a bill, there's still a lot of uncertainty and unknowns around what's actually gonna come out of those, whether the bills Yeah. are gonna pass as they are, whether they're not gonna pass Yep. and or whether there's gonna be any changes to them. I did actually the other week was watching question time just to kinda see what they were doing, and it's quite interesting. There's a lot of questions being put out there with regard to the bills. A lot of, you know, opposition are coming and saying, well, how does this work if I have this scenario, this scenario, this scenario, is that going to, you know, affect me? Am I gonna be able to benefit? Am I not?","start_word":2307,"end_word":2520,"sentiment":"neutral","sentiment_score":-0.06140292435884476},{"text":"And in all honesty, they're actually not really answering the question in any way, shape, or form.","start_word":2521,"end_word":2537,"sentiment":"negative","sentiment_score":-0.3829034864902496},{"text":"So I don't Yeah. really know how they think this is supposed to work, but I think what we can kinda do at the moment is wait and see how this passes. If it passes, it may not. These are just bills at the moment. They may not go through. And if they do, they could go through with some changes. So I think it's important to sort of see what what happens there. Mhmm. At Yeah. the moment, there's no none of these are affecting super, which is good to see. Yeah. But they obviously do have the the dif two nine three tax, which is the the tax on the 3 mil. So if your balance ends up over 3 mil, there is an additional tax in super there. Yeah. But right now, there's really nothing we can kinda do about that because we can't maneuver money. That would be something we wanna review around about the age of 60 or closer to retirement when your balance Yeah. does increase to sort of see Yeah. what's projected out there and if you're, you know, expected to kind of, you know, benefit or if you're meant to be affected by those sorts of taxation side of things. Yeah. Yeah. Cool. Yeah.","start_word":2538,"end_word":2749,"sentiment":"neutral","sentiment_score":-0.100412185180862},{"text":"All good. All good.","start_word":2750,"end_word":2753,"sentiment":"positive","sentiment_score":0.3952163159847259},{"text":"Yeah. It was quite interesting working everything. They really don't really know what's happening. And when you sort of look at the scenarios being proposed, all they're coming back with is just citing sections of the bill, and it's so broad. I don't even think they understand what they put forward at this one time. So Yeah. we'll see what happens. They they yeah. They they kinda need to focus that onto the housing market, but yeah. Absolutely. Sorry. You're right. No. That was it. Yeah. It's just that sort of the the the housing markets needs to be fixed as far as I'm concerned. We rent, but I'm I'm Yep. lucky in that. I rent from my parents who own the house. Okay. So but I I can't see myself owning a home before I retire.","start_word":2754,"end_word":2890,"sentiment":"neutral","sentiment_score":-0.15880247950553894},{"text":"Just with the way the market is and the way the prices go up, I just don't see any benefit in it.","start_word":2891,"end_word":2912,"sentiment":"negative","sentiment_score":-0.3458428978919983},{"text":"Yeah. No. It is that it's pricing out everyone very, very quickly. I know I've got two small kids myself, 19 and 20, and they're renting my investment property because, in all honesty, they can't afford. And I don't know how and when they're ever going to be able to afford without our assistance, and it's Yeah.","start_word":2913,"end_word":2969,"sentiment":"neutral","sentiment_score":-0.179149802578123},{"text":"just really sad there.","start_word":2970,"end_word":2973,"sentiment":"negative","sentiment_score":-0.4958232045173645},{"text":"They're putting money away and trying to save for it, but we are a year, two years down the track, they get to their goal amount they've saved, and then they've gotta, you know, save a bit And the more goalpost because it's is just to not enough. Exactly. Yeah. It's just passing everyone move. Yeah. out way too quickly. But who knows? We'll just wait and see what happens with all of this and see how it all works. But, yeah, there's Yeah. still a lot of questions with what what's to come. It's all just a sit and watch and wait at the moment and see what comes out in the next few months with all these new bills. Yeah. Yeah. All Well, good.","start_word":2974,"end_word":3099,"sentiment":"neutral","sentiment_score":-0.17164263129234314},{"text":"thank you for That's okay.","start_word":3100,"end_word":3104,"sentiment":"positive","sentiment_score":0.3499720096588135},{"text":"You did kinda mention that you, you know, buying a house isn't something you wanna do before not really able to do before retirement. Is it something you do want to do down the track, maybe purchase a property or not really? You're that. sorta happy renting your parents' home and Well, we we we've talked about it, and and, I mean, I've got a four year old boy and yeah. no no grass. He's on our property whatsoever. It's it's we're we're in a split block and everywhere, we've got garden beds and paved areas. No grass whatsoever. There is a park down the road, but it's, you know, it's not as convenient. It's just coming out the back or the front or whatever and just No. having a play. So Yeah. there Absolutely. is that element to it. It is Yep. as far as I'm concerned, it's Pipe Dream. Just we we we can work a bit harder at saving money for a deposit, but I just Yeah. I look at, like, a loan and just, you know, instantly, you you're looking at how median house price in Perth was last time I looked at 800,000. Just add another 50% on top of that Yeah. just for the repayments and yeah. I'm trying I'm trying to I even if I think just unless, you know, we get a large windfall or, you know, our pays increase 10%, maybe 15%. I don't see us buying a house and then having a loan and then paying it off before we probably even you know, even if I was denying having a fifty year loan, I don't see it being paid Yeah. No. Absolutely.","start_word":3105,"end_word":3387,"sentiment":"neutral","sentiment_score":-0.04736476300725246},{"text":"And when you sort of get to those retirement years, the last thing you want is to then take on another debt for another thirty odd years and Absolutely. the the risk of you having to work a little bit longer.","start_word":3388,"end_word":3428,"sentiment":"negative","sentiment_score":-0.3904134929180145},{"text":"Yeah. No. Completely understandable. I mean, it it we can leave it down here as a possibility of a goal down the track. You know, it's Yeah. not something everybody wants. I've got friends who don't wanna ever buy a property. It's by no means their goal. They're just quite happy to, you know, work and travel and make memories and and rent. It doesn't sort of phase them in any way, shape, or form. So it's definitely an individual choice. Yeah. And who knows? I mean, things could definitely change down the track, but that's absolutely fine. It would be nice to have some grasp over having a four year old. That's for sure. Yeah. Yeah. No. All good. I can see here you don't have any insurances paid out of your super no personal cover like life, TPD, income protection, trauma. I know in the past, we've kinda had a bit of a chat about those, but do you do you feel the need to have any kind of insurance? Because I know if you were to pass away, your super is paid out to your beneficiary as your death benefit. Mhmm. But when it comes to TPD, income protection, things like that, if you were unable to go to work, how do you think you'd sort of cover yourself in the short term or in the long term with TPD? Do you feel like you need any insurances, or they're not not a priority? Or No. No. I'm I'm I'm I've I've taken a particular focus in my my health in the last year, yeah. and my job is, like, I'm working from home right now. If I had to, I could work from home. It's mostly desk based, computer based. So it's no. It's not a it's not a big concern. Yep. Okay. Yeah. May No. maybe That's in another absolutely maybe fine. another ten years, maybe, but Yes. right now, no. No. That's absolutely fine. And, I mean, you do have those investments outside of Super with the shares in your own name. So there is obviously that kind of buffer if you needed to as a worst case scenario. You could sort of fall back on that. I do like to sort of make sure I'm giving a bit of information as well. So if anything was to happen and you were to be unable to go back to work permanently, you can also Mhmm. claim TBD against your super, so it's permanent incapacity. Yeah. It does release the super to you to be able to draw down and live off. There Yeah. is always that option as well. So not sure Mhmm. if you're aware of that. Just like to kinda make sure I'm giving you a bit of backup information. Sure. Sure. All good. You're right. So sorry. Did you wanna ask something? No. No. No. I totally All good. All good. I just wanna run through this update all of your circumstances on file just to see if there's been any major changes. I had Mhmm. your income down as about 80,000. I Is that still fairly think accurate? it's how old is that information? This is from our last annual review, which was December 2024, so it's probably over a year old. Yeah. Yeah. I think it's closer to 90. I think it's in the yeah. '90. Oh, yep.","start_word":3429,"end_word":3997,"sentiment":"neutral","sentiment_score":-0.035895950732153625},{"text":"Fantastic.","start_word":3998,"end_word":3998,"sentiment":"positive","sentiment_score":0.6539210081100464},{"text":"Yeah. And we had here that you were able to save on a weekly basis about a $123. Are you still finding you're able to put funds away, or it's just not possible with the cost of living? No. We're we're we're still putting money away. Yeah. That's not that's Yep. no issue at all. Yeah. No. We're That's putting okay. probably putting a bit more away than that. Yep. If you had to put it as a the last figure, what would you say you'd sort of consider it today? I think it's Sorry. no. No. That's fine. Hang on. It's about $2.80, Okay.","start_word":3999,"end_word":4103,"sentiment":"neutral","sentiment_score":-0.03904379159212112},{"text":"Perfect. That's personally. actually nice.","start_word":4104,"end_word":4108,"sentiment":"positive","sentiment_score":0.4522072970867157},{"text":"Personally. Yeah. Yeah.","start_word":4109,"end_word":4111,"sentiment":"neutral","sentiment_score":0.27662551403045654},{"text":"Excellent. Beautiful.","start_word":4112,"end_word":4113,"sentiment":"positive","sentiment_score":0.5186575651168823},{"text":"And I have here so with your assets and liabilities being noted down, the shares that you did hold, that sort of Medibank tells to everything, we had a combined value roughly of 15,760 last time. What are your shares total value at the moment? I know that can change on a regular I basis. actually don't like, one's in computer, and the other one's in, and they never you know? Yep. And that yeah. And they're hard to log in to. Yeah. If you're not overly sure, that's absolutely fine. Even just an approximate value would be fine. That happened to have those shared values in front of you there. Not I could quite. Do you know how many shares you hold in each? I think it's about 2,000 unless Yep. there were any extras added on at some point. Okay. So about 2,000 shares. Yeah. Lovely. They Yep. That's it. And that's Telstra and each sorry. Telstra and Medibank, isn't it? that's right. Yeah. So Yeah. Telstra is $5 that's a $95.10 Yeah. cents, Yeah. and the deal is $4.84. Yep. Beautiful. $4.84. Yeah. Not a problem. I can work it out for you and do an estimated cost.","start_word":4114,"end_word":4314,"sentiment":"neutral","sentiment_score":0.0026957056026405365},{"text":"It's not a problem at all. Excellent.","start_word":4315,"end_word":4321,"sentiment":"positive","sentiment_score":0.5529402494430542},{"text":"And that's 3,000 shares in each, you said. Sorry. Yeah. Just so I have the right figures.","start_word":4322,"end_word":4338,"sentiment":"neutral","sentiment_score":0.18786785006523132},{"text":"Yep. Fantastic.","start_word":4339,"end_word":4340,"sentiment":"positive","sentiment_score":0.4686792492866516},{"text":"I I I think also know off the top of my head. yeah. That's okay.","start_word":4341,"end_word":4355,"sentiment":"neutral","sentiment_score":0.22622297704219815},{"text":"Honestly, it's not a problem at all.","start_word":4356,"end_word":4362,"sentiment":"positive","sentiment_score":0.35339778661727905},{"text":"I've also got down here that you are in a trust with your parents there as well. Yep. A rough valuation of the trust was about 430,000 last time we sort of checked in. Do you know what That that would might be look like? that would be my trust. Yep. It's 600 and where is total? $7.90. $7.90.","start_word":4363,"end_word":4421,"sentiment":"neutral","sentiment_score":0.0697750523686409},{"text":"Fantastic.","start_word":4422,"end_word":4422,"sentiment":"positive","sentiment_score":0.43162980675697327},{"text":"Yep. And that one's just your trust, and you're also in a trust with your parents as well or a beneficiary Yeah. of Which your I parents' I trust. don't know any of the details of that one. No. That's absolutely fine. I'll just make a note here that you're a beneficiary of that one as well. Easy. Not an issue. I've also got your two cars down. So we've got a 2014 Holden Commodore SV, rough valuation of 50,000 on that one. Which we have sold. Okay. Well, not we we signed the papers Wednesday next week. Oh, fantastic. Yeah. So we currently have a 2024 Isuzu MUX, Yep. and we will have a 2026 CRV. Oh, fantastic. And what sort of value would you put on both those vehicles, do you think? I don't know how the ice is due devalues, That's but okay. we pay about $70.80 Yep. Yep. 80 for it. Yeah. And we're Beautiful. paying 55. Sorry? I got it. No. Not the Isuzu. Oh, 73. 73? Was that with 70 or without 3. the trading? Yep. Oh, yeah. Alright. 73 for the Isuzu and 60 for the the RV. Beautiful. And do you have loans on either of those vehicles or owned outright? I'm not right. Owned outright. Beautiful.","start_word":4423,"end_word":4637,"sentiment":"neutral","sentiment_score":0.050798822194337845},{"text":"Fantastic.","start_word":4638,"end_word":4638,"sentiment":"positive","sentiment_score":0.7594624757766724},{"text":"I'll just note down those values as what your purchase price was for them. Essentially, when we're looking at value, it's more just what value it is to you if you had to sell the the vehicle. What would you want for it essentially? So if you're gonna just purchase them, you're probably gonna want as close to the value or as close to what you paid as possible. So I can Yes. note that down for you. I also have down here another 2,014 Holden Commodore SV with a value of 15,000. Do you still have the other Commodore at all, or do you get rid of both of those? Sorry. What was the date on that one? They're both they're both of them say 2014, but No. they That had would different be asset yeah. values. Yep. Well, it was insured last year for 15. Okay. But, yeah, that's the one that's being sold. Yep. Beautiful. We'll get rid of that one.","start_word":4639,"end_word":4802,"sentiment":"neutral","sentiment_score":0.053486283868551254},{"text":"Fantastic.","start_word":4803,"end_word":4803,"sentiment":"positive","sentiment_score":0.33790791034698486},{"text":"And any other cars, boats, or caravans, or anything else of value? No. No. Beautiful. And you're renting at the moment. How much rent are you guys paying on a regular basis, weekly or fortnightly? Weekly, it's let me just check. It's not Yeah. You're telling me right. anymore. It used to be easy to find. You're fine. It's $5.25 weekly. $5.25.","start_word":4804,"end_word":4865,"sentiment":"neutral","sentiment_score":0.020704643800854683},{"text":"Beautiful. Thank you for that.","start_word":4866,"end_word":4870,"sentiment":"positive","sentiment_score":0.5154551863670349},{"text":"The other thing I had noted down here, I just wanted to sort of follow her through, was looking at your estate planning as well. So I've just had a look at your super. I can see you don't have a beneficiary No nomination worries. applied there at the moment. Yeah. So I've it's been something flacking I do wanna help you. doing that That's okay. I can absolutely help you to have that fixed up if you like. If you're comfortable, are you happy with me getting the information for you today? My team can prefill the beneficiary nomination out for you with the details, in. Yep. and then we Yep. can send it to you just to be signed and witnessed and returned back. Is that okay? Yeah.","start_word":4871,"end_word":5000,"sentiment":"neutral","sentiment_score":0.09247772361223516},{"text":"That should be Fantastic. Now just confirming, in the event of passing, you're super to pay it out to.","start_word":5001,"end_word":5019,"sentiment":"positive","sentiment_score":0.4548841714859009},{"text":"Who would you like it to go to? fine. Candice Gilchrist.","start_word":5020,"end_word":5030,"sentiment":"neutral","sentiment_score":0.13125881552696228},{"text":"Fantastic.","start_word":5031,"end_word":5031,"sentiment":"positive","sentiment_score":0.5692815184593201},{"text":"And I've got Candice's details here. Address is the same as yourself there. Yep. Yep.","start_word":5032,"end_word":5046,"sentiment":"neutral","sentiment_score":0.1667357087135315},{"text":"Beautiful.","start_word":5047,"end_word":5047,"sentiment":"positive","sentiment_score":0.3741445541381836},{"text":"And what's her date of birth? The 03/12/1982.","start_word":5048,"end_word":5055,"sentiment":"neutral","sentiment_score":0.057283349335193634},{"text":"Beautiful.","start_word":5056,"end_word":5056,"sentiment":"positive","sentiment_score":0.3456534743309021},{"text":"Sorry to put you on the spot there. No. That's okay. I'm looking very straight out. I was like, I couldn't get that wrong.","start_word":5057,"end_word":5080,"sentiment":"neutral","sentiment_score":0.06928422302007675},{"text":"All good.","start_word":5081,"end_word":5082,"sentiment":"positive","sentiment_score":0.4375917315483093},{"text":"And I've just ticked the box here for spouse, and she identifies as a female. Just confirming. Yep. That's right. Yep.","start_word":5083,"end_word":5103,"sentiment":"neutral","sentiment_score":0.13045445084571838},{"text":"Lovely. Fantastic.","start_word":5104,"end_word":5105,"sentiment":"positive","sentiment_score":0.5854024291038513},{"text":"And just with this type of beneficiary nominations, you can have several different types. The first one is nonbinding. That essentially means that you make the nomination, but in the event of passing, the trustee actually gets to decide where the benefit is paid to. You can also have it binding lapsing, which means you have to pre fulfill the form every three years, or we can Mhmm. do it binding, non lapsing. The trustee follows the direction, and you never have to fill the format again once it's been applied. What would you like me to stick? Yeah. That's the last one. Yeah.","start_word":5106,"end_word":5209,"sentiment":"neutral","sentiment_score":0.11185967922210692},{"text":"Beautiful. Excellent.","start_word":5210,"end_word":5211,"sentiment":"positive","sentiment_score":0.4456901252269745},{"text":"So what I'll do is I'll get my team to prefill the document for you to make it nice and easy. They'll send it out to you. Is it easier to do post or email or both? What would you prefer? Email would be a c f because I have my Email. digital signature, which can just stick on there. It will have to be wet signed, though. So it'll have to be printed and signed because these are Oh, are okay. legal documents. They do have a lot of stipulations around these being wet signed, so we'll have to ask you to print it, sign it, have a witness. Candice Yep. can't be a witness. So if you just have couple of neighbors or friends or family members that can just sign the same day that you do, Sure. then that'll be easier for you. And then just shoot it straight back to us, and we'll make sure it's applied there for you. We'll check the form, and if there's any issues, we'll make sure we let you know. Is that okay? Yeah. That's fine. Yep.","start_word":5212,"end_word":5398,"sentiment":"neutral","sentiment_score":0.09865919010524445},{"text":"Beautiful. And, hopefully, nothing happens.","start_word":5399,"end_word":5403,"sentiment":"positive","sentiment_score":0.41809001564979553},{"text":"But in the event of something occurring, just wanna make life a little bit easier for Candice there for you. This is Cheryl. Cheryl.","start_word":5404,"end_word":5427,"sentiment":"neutral","sentiment_score":0.30565789341926575},{"text":"Excellent. Fantastic. And looking forward to to, you know, super retirement goals.","start_word":5428,"end_word":5439,"sentiment":"positive","sentiment_score":0.7009187340736389},{"text":"Just wanted to kind of update there. I don't really have a lot sort of noted in the back end. You had some holidays over the past few years that you were working towards. I believe in '20 Yep. '32, you were wanting to go to The US. Is that Yeah. right still? Or Yeah. That yep. well, maybe. Depends on what The US was like in 2032. That that's that's still a goal, but it's all dependent on what America is like. Yeah. Yeah. No. Absolutely. And with your super goals there, are you hoping to sorta access super around about the age of six sixty trying to access it as early as physically possible, or do Ideally, you yeah. Yep.","start_word":5440,"end_word":5561,"sentiment":"neutral","sentiment_score":0.019356951117515564},{"text":"Beautiful.","start_word":5562,"end_word":5562,"sentiment":"positive","sentiment_score":0.4693610966205597},{"text":"And with your investments you have in your own name and your trust and things like that, are you sorta hoping to keep those long term to provide additional income to supplement with super, Yeah. or do you think yep. Yep.","start_word":5563,"end_word":5603,"sentiment":"neutral","sentiment_score":0.14191342890262604},{"text":"Beautiful.","start_word":5604,"end_word":5604,"sentiment":"positive","sentiment_score":0.40165066719055176},{"text":"Yeah.","start_word":5605,"end_word":5605,"sentiment":"neutral","sentiment_score":0.29897964000701904},{"text":"Excellent.","start_word":5606,"end_word":5606,"sentiment":"positive","sentiment_score":0.5057194828987122},{"text":"Extra income. And is there any other goals that you're looking to sort of achieve? We just started a a business of I've just recently completed a remedial massage course. Oh, So wow. I'm working full time. I haven't changed my job. And, yeah, we've just I have an APN, and I haven't actually sort of hit the ground running yet. We still got Yep. a few hurdles we're gonna jump, but, yeah, starting in mobile massage business.","start_word":5607,"end_word":5684,"sentiment":"neutral","sentiment_score":0.044265128672122955},{"text":"Oh, fantastic.","start_word":5685,"end_word":5686,"sentiment":"positive","sentiment_score":0.4600085020065307},{"text":"And is are you still gonna sort of keep your current role and do that as well, or are you sort of hoping to transition into that? What's your goal with the business? Hoping to transition into the massage business Yep. full time, but, obviously, we'll squeeze in clients in between work hours. And if my client list builds, then go part time at my role if possible and Yeah. with with with the with the goal of eventually being full time. But, yeah, I'm fully Yeah. aware that it's gonna take some time to get there. Yeah. Absolutely. And because you're a purchasing officer in your current role, is that still right? Yes. Yeah.","start_word":5687,"end_word":5801,"sentiment":"neutral","sentiment_score":0.03733579069375992},{"text":"Beautiful.","start_word":5802,"end_word":5802,"sentiment":"positive","sentiment_score":0.4629499614238739},{"text":"And, look, honestly, that's the best way to do it. My husband does the same thing. He works in one role and then has his business on the side and just sort of builds up that client base. It means that you're sort of working seven days a week sometimes, but you're kinda building that client base and building things up around your current role without the stress of having to still cover bills and where's money coming from. So it's Yeah. definitely not a bad way to build that. And, hopefully, it all works for you when you're able to transition full time.","start_word":5803,"end_word":5906,"sentiment":"neutral","sentiment_score":0.17392300069332123},{"text":"So remedial massage sounds exciting.","start_word":5907,"end_word":5911,"sentiment":"positive","sentiment_score":0.392264187335968},{"text":"Yeah. Yeah. Yeah. I actually get a lot of enjoyment out of helping people Oh, feel that's better.","start_word":5912,"end_word":5929,"sentiment":"neutral","sentiment_score":0.27328285574913025},{"text":"good. Oh, that's really good. That's fantastic.","start_word":5930,"end_word":5936,"sentiment":"positive","sentiment_score":0.4158760607242584},{"text":"It'll be a very different role to what you're doing now. That's Yeah. for sure. Yeah. Yeah. When I look back on it, it's really something I should've gone into maybe PT or or physio in hindsight, Yeah. Yeah. but I sort of just started thinking that computers and tech, that was gonna be the future when I left school. And so that's the direction Yeah. I went with in uni, and it didn't pan out. And then I sort of fell into this role as purchasing officer, and then really only just in the last two years tend to bridge with the idea that it's not for me Yes. and that Yeah. and that being sort of in in the allied health industry is definitely more me.","start_word":5937,"end_word":6064,"sentiment":"neutral","sentiment_score":0.002304325345903635},{"text":"Oh, fantastic.","start_word":6065,"end_word":6066,"sentiment":"positive","sentiment_score":0.5373138785362244},{"text":"No.","start_word":6067,"end_word":6067,"sentiment":"neutral","sentiment_score":0.29752007126808167},{"text":"It's really good. It's really funny.","start_word":6068,"end_word":6073,"sentiment":"positive","sentiment_score":0.41500306129455566},{"text":"You're kind of in our twenties and thirties and forties. We sort of try to find that space. You try something you don't like, you do something else. And, I mean, I know people in their fifties and sixties who are still going back and trying to figure out what their passion is.","start_word":6074,"end_word":6126,"sentiment":"neutral","sentiment_score":0.06432217359542847},{"text":"So the fact that you found that is really exciting. I'm really happy Yeah.","start_word":6127,"end_word":6140,"sentiment":"positive","sentiment_score":0.43773117661476135},{"text":"for you.","start_word":6141,"end_word":6142,"sentiment":"neutral","sentiment_score":0.2802972197532654},{"text":"Thank you.","start_word":6143,"end_word":6144,"sentiment":"positive","sentiment_score":0.3792155981063843},{"text":"Yeah. Thank you. No worries. The last thing to do is just to kinda do a quick risk profile questionnaire. I've already been able to prefill some of the answers because you Mhmm. do have investments outside of Super, and you do have more than ten years before you're able to access your Super at this point. I've ticked off the box that you're looking to try and obtain the best return possible from your sofa. But the last one to sort of look at is if we saw a market dip, say, 20%, if we saw, like, a GFC style event or something like COVID in the next year or two or three. How do you think that might make you feel? Are you okay with it? Mhmm. It's probably a buying opportunity. You wanna put some more money into the market. Yes. Are you That. just holding weight, or are you a salesperson? Sorry. No. No. No. When we we started these trusts, it was in 2020, and that was Yeah. when the market dipped. And, yeah, we we took advantage Then of that. We bought bought bought in the dip. So, yeah, that's that's our perspective on that one.","start_word":6145,"end_word":6346,"sentiment":"neutral","sentiment_score":0.03809827193617821},{"text":"fantastic. Excellent.","start_word":6347,"end_word":6348,"sentiment":"positive","sentiment_score":0.3893558382987976},{"text":"And when you consider the the the risk versus reward balance, do you consider yourself comfortable taking on the highest level of risk possible, try and get the best returns you can? Are you more in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can, or not willing to take a lot of risk in the market? How do you sort of fit yourself in that area? Personally and within my my More my than trust and more and my than super. Yeah. so within the super? Yeah. More than super. Yeah. I'm prepared to take a little bit more risk. So that Yep. balance balance of risk. Yeah. Yep. So you'd say maybe in between one and two there? Yep. Yep. Yep.","start_word":6349,"end_word":6483,"sentiment":"neutral","sentiment_score":0.041033892857807654},{"text":"Perfect. Excellent.","start_word":6484,"end_word":6485,"sentiment":"positive","sentiment_score":0.6975312232971191},{"text":"And drops in your super balance, you know, we've got a bit of time ahead of us here. Do you feel like they you wouldn't really feel overly concerned? You know, markets recover and come back. It's more of a buying opportunity. You sort of not really too worried about drops in your super balance at the moment. Is that right, or would you be more concerned? Yeah. Yeah. I Mhmm. I I like I said, I looked at it yesterday. I looked at my balance yesterday, and I saw that there was a dip in the last couple of months, but we're back up again. Yeah. Yep. But also, like, OPU has consistently performed since I Yeah. signed up with you guys. Whereas when I was with SDA, it was it wasn't it wasn't going anywhere. It would go up, and then it would drop back down, and then it would go up, and then it would sort of drop back down. And I I understand, like, when you've got much smaller amounts, it doesn't move as much. But it Yeah. really it didn't it didn't nothing for a couple of years, and that's when it just happened that you guys called me. It Yeah. was a cold call, and I thought, I'll have Yeah. a look at it. And I also at the time, I didn't just go with you guys straight up. I also looked at No. Australian Super at the time because they seemed like a better a good option. And you Yeah. guys were just there Yep.","start_word":6486,"end_word":6747,"sentiment":"neutral","sentiment_score":-0.012301801703870296},{"text":"was Fantastic.","start_word":6748,"end_word":6749,"sentiment":"positive","sentiment_score":0.48892921209335327},{"text":"a lot more there was a lot more personal, a lot more hands on. And so, yeah, I've stuck with you guys, and you've and you've performed. So yeah. And and until Thank you. such a time that OP stops performing, It doesn't? then I won't I Yes. won't I won't and you guys are incentivized. Like, if my Yes. super performs, you get your commission based Mhmm. on how well it performs. So Yep.","start_word":6750,"end_word":6824,"sentiment":"neutral","sentiment_score":0.1150227278470993},{"text":"I I'm I'm on board with all of that. And, yeah, as long as you guys keep performing, I'll stick with you guys. Fantastic.","start_word":6825,"end_word":6848,"sentiment":"positive","sentiment_score":0.3988334238529206},{"text":"No.","start_word":6849,"end_word":6849,"sentiment":"neutral","sentiment_score":0.322243869304657},{"text":"Really good to hear that you're happy with how things are going.","start_word":6850,"end_word":6861,"sentiment":"positive","sentiment_score":0.5766728520393372},{"text":"And, look, I'll be always always very honest with you. When the market is doing well well, I'll let you know. However, when the market is down, why it is down, I'll be honest with you and tell you that that's a factor as well. So, Yeah.","start_word":6862,"end_word":6908,"sentiment":"neutral","sentiment_score":0.11732936650514604},{"text":"yeah, good to do these reviews.","start_word":6909,"end_word":6914,"sentiment":"positive","sentiment_score":0.339758962392807},{"text":"Moving forward, did you wanna do a bit of catch up in about three months, six months? Are you happy just for an annual review? How often would you like to see a catch up this year? The annual review is good. I just expected one six months ago. Yeah. No. I'm really sorry about that. It looks like we were a little bit behind, and we came across yours. I was like, oh, no. We need to get this one in now. So giving you a Right. quick call. So, absolutely, Yep. I do apologize that it has been late, and I'm so, so very sorry about that. Goodbye. Did you did you just want me to make sure I touch base in six months or twelve months with you just to sort of make sure that moving forward that that doesn't get missed again, or what would you Yeah. Six like? six months, I think, should work. Yeah. Six months? Six months? Yeah. Yeah. Beautiful. Not a problem. And in the meantime, I'll get cracking on that advice. We'll limit scope that to the investments, looking at, you know, swapping out for you, doing a bit of a rebalance if we need to as well. I'll get that advice sorted. My team will give you a call in a couple of weeks and book you back in to go through Cool. that with me, Got and then it.","start_word":6915,"end_word":7154,"sentiment":"neutral","sentiment_score":0.019934237003326416},{"text":"you can let me know what you wanna do moving forward.","start_word":7155,"end_word":7165,"sentiment":"positive","sentiment_score":0.4093177616596222},{"text":"I will also send out after the call your annual review documents to you. It has the Mhmm. the balance, the investment returns, the internal rate of return report for you to review. It's also got a tax file opt in form that we just need to get signed and returned. So we hold your tax file number. We just wanna make sure Mhmm. you're aware of how and why so we have that form attached there for you.","start_word":7166,"end_word":7244,"sentiment":"neutral","sentiment_score":0.1907196342945099},{"text":"And if you're still happy to stay on board and be a client, we've also got the ongoing service agreement for the next twelve months there as well, which you've seen pretty well across the fee structure and how that works.","start_word":7245,"end_word":7285,"sentiment":"positive","sentiment_score":0.3966735899448395},{"text":"Yes. Yes. Did you have any extra questions or anything that you wanted me to sort of follow-up on for you? Not a question. Or Just more of a we'll be making a personal super contribution in the next Yep. couple of weeks. Yep. So that I assume that process still stands. We send you the the the the ATO form. So with the you make the contribution straight into the super fund. Do you have the contributions details to make that into the super? Not yet. We will. I'm Yep. just gonna That's look at what my work's contributions have been, and then we'll calculate how much we can up to the yep. the the limit. Yep. That's okay. Did you want me to send you an email with the the contributions details, the EFT or the BP information, or are you okay finding that in your super fund? Actually, yeah, if you could send, that would be Yep.","start_word":7286,"end_word":7445,"sentiment":"neutral","sentiment_score":0.09052053093910216},{"text":"great. Yeah. Absolutely. And that way, you'll have my email there.","start_word":7446,"end_word":7456,"sentiment":"positive","sentiment_score":0.4394718110561371},{"text":"So once you've made the contribution in, if you can email me, let me know. My team can go in there. We don't with Hub twenty four, it's nice. We don't need to sign a form anymore. You just tell me how much you've made that you wanna claim the notice of intent, and we can physically go in there and do that for you without signing a form to make it easier.","start_word":7457,"end_word":7529,"sentiment":"neutral","sentiment_score":0.2725667953491211},{"text":"Oh, that'd be great.","start_word":7530,"end_word":7533,"sentiment":"positive","sentiment_score":0.6167964935302734},{"text":"Yeah.","start_word":7534,"end_word":7534,"sentiment":"neutral","sentiment_score":0.20978039503097537},{"text":"Much easier process now than having to sign that form.","start_word":7535,"end_word":7544,"sentiment":"positive","sentiment_score":0.3502984046936035},{"text":"Yeah. For sure.","start_word":7545,"end_word":7547,"sentiment":"neutral","sentiment_score":0.1469222456216812},{"text":"Beautiful. Well, I'll follow-up with the email there with the contributions details. And if you can just let me know once you've made that contribution, that'd be great, and we'll get the beneficiary nomination set up and sent out for you as well.","start_word":7548,"end_word":7590,"sentiment":"positive","sentiment_score":0.41144925355911255},{"text":"Okay?","start_word":7591,"end_word":7591,"sentiment":"neutral","sentiment_score":0.2276823967695236},{"text":"Fantastic. Thank you very much. Fantastic. Not a problem. It's been an absolute pleasure. I really appreciate it. I've sent you annual review documents through to you. If you can have a good review of those and sign and return them back when you're able to, that would be fantastic. And if you finally have any questions, Ian, please let me know, and I'll make sure we have a six month catch up in the calendar for you as well.","start_word":7592,"end_word":7671,"sentiment":"positive","sentiment_score":0.5745803713798523},{"text":"Okay?","start_word":7672,"end_word":7672,"sentiment":"neutral","sentiment_score":0.23512068390846252},{"text":"Fantastic. Thank you very much. Appreciate My pleasure. Enjoy your day. I hope you have a that. great Thanks. afternoon. Thanks. You too. Thank you. See you later.","start_word":7673,"end_word":7700,"sentiment":"positive","sentiment_score":0.6497074365615845},{"text":"Bye.","start_word":7701,"end_word":7701,"sentiment":"neutral","sentiment_score":0.31753629446029663},{"text":"Nice.","start_word":7702,"end_word":7702,"sentiment":"positive","sentiment_score":0.5105466842651367},{"text":"Bye.","start_word":7703,"end_word":7703,"sentiment":"neutral","sentiment_score":0.3137694001197815}],"average":{"sentiment":"neutral","sentiment_score":0.07272725129693317}}}}