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Perfect. Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just full name, date of birth, and address. Perfect. Thank you for that one. So you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund. And I undertook a bit of a review, and then we haven't been able to connect again, unfortunately. So it's good that we've been here. We're here today, which is good. Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and review When I was unable to to get you on the phone, we we had a scheduled booking at the end of July, and I I sent the documents to you ahead of our meeting, and then we we obviously didn't connect. Those documents are expired, but rather than me having, I guess, gone through and reupdated them, I wanted to, I guess, have have a bit of a conversation first before we I went through it and put the time in again. So, I guess, first and foremost, what I, I guess, want to establish is whether anything in your world has changed at all and whether, you know, your your circumstances are still the same. So all of the details I originally had on file were, like, you're an admin store, man manager, quality control, $100,000 a year in terms of income, defacto relationship, two dependents. You were looking you're, at the time, saving roughly $50 a week from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward. Ring bells? Cool. So I undertook a look at at your investments, and there was changes that I just wanna make underlying anyway. There's a few of the investments that just weren't quite hitting great for me, Specifically, one of them being Benelon, which is an Australian equity fund. A, it was a little bit more expensive on the front end from an investment cost perspective. And then secondarily, the actual investment just wasn't quite pulling where I wanted it to. So the the the fund is what's called a high conviction fund. So, basically, they invest in the long term and stand behind their their investments assets. And the main issue that I had was that they just weren't coming up to the changes in the economic climate, and coming, you know, coming to the the changes that are all happening. So losses are being felt in that fund, and I just don't wanna stick with them long term. One of the other main changes is that banking hybrids are, as a whole, being phased out legislatively. So rather than hold on to banking hybrids until they do actually phase out, which they're not phasing out for another sort of four years, but rather than hold on to them until they do phase out, I'd rather get a bit ahead of the curve. So that way, we don't feel any of the losses as people start selling out of those assets, and we can, you know, solidify what we've made within that asset and move on to something else that's gonna benefit us long term. So I had a look at sort of, like, as an underlying the underlying assets, looked at from a perspective of was there some of the assets that you hold overall that I could shift have, you know, something similar that was gonna have better performance and was cheaper underlying as well. And then I obviously did a comparison between where you're invested now, which is which was more that growth eighty twenty kind of split to looking at a more high growth alternative as well, so sort of between those two comparisons to try and establish whether we we could move between the two. Because, obviously, as we sort of talked about, there's no point jumping into a more aggressive position unless you need to and and wanted to sort of look at that side of things. Now, ultimately speaking, I looked at the, like, the growth perspective versus the high growth. So 8020 versus, like, a 9010, like for like. So, you know, if you weren't to change any of, you know, any of the contributions you're making, like, putting in or anything like that, And, obviously speaking, high growth is going to come out with a better outcome in ten years to the degree of about a $140. And that's just based on the compounding returns that happen within the account. Now speaking in terms of risk outcomes, what it basically comes to is, are there other alternatives that we can look at that would enable you to potentially not have to take on, like, a higher risk? Or is it something that you're comfortable with? And I know we did we did talk about it, and you were pretty comfortable taking on the additional risk anyway. But ultimately speaking, I guess there's two avenues that we can go down. Is we we go to the, like, 9010 sort of split, which, age wise, makes perfect sense cyclical. Like, with investment markets, they're cyclical. And realistically, you know, in a high growth investment, we're gonna see sort of one down every five years. So within a five year market movement, we're gonna have one negative year. Now moving into a high growth means that, you know, we're gonna have that little bit more volatility up and down. But hold holding it does give us that better better long term outcome. Now the other alternative is is that we look at putting more money into the fund. However, we're looking at sort of $50 a week that you have in, I guess, additional cash flow. And one of the things we didn't really discuss when we did speak earlier in the year was whether you had a plan for that additional cash flow that you had otherwise, I guess, earmarked that money for or whether it was just that sort of what you sort of save and it gets used as discretionary funds. So, you know, you'll then go and go out to dinner and sort of spend it that way or Yep. Mhmm. Okay. Yep. Yep. Yep. Yep. Yeah. Mhmm. Yep. Yeah. Yeah. Okay. Yeah. We thought we we talked we talked about you having we talked about you having the, like, trading 212 account. So I'm assuming yeah. Yeah. I think you had about three and a half. Well, yeah, you had about three and a half when we spoke. So I'm assuming that's increased a bit. Cool. Alright. Perfect. And debt wise, do we have any or, like, we've paid everything off? Okay. Yep. Yep. Okay. Not too too much left. Is that like a interest free loan? Is that, like, an interest yeah. Cool. Cool. And then sorry. Your income, I guess, looks after, like, household expenses. Is that what you were getting sort of going? Does your were you about to say that your income looks after the household expenses? Yeah. Yeah. Okay. Cool. Do you so do you wanna look at putting money in? Because tax effectively, we can reduce the marginal tax rate you're paying and sort of look at avenues that way. Yeah. Yeah. We would we we draft a letter up for you and just you'd send it to work. And it's something that they just need to set up in their back end, like, accounting system. The say the same way as when they make, yeah. Same way as they'd make, like, standard contributions. It's just they have to nominate in, like, an additional amount. But I can sort of do calculations math on how much to put in and what that outcome would be and what that does for your tax as well. If you pay less marginal tax rate, but you'd obviously pay a little bit more in your super fund, So there's generally a bit of a sweet spot to make sure that we're not overpaying tax and it's still working. But how much would we be happy to, I guess, allocate to that venture? A week? Okay. Alright. I'll have a look at it and see where that lands. Because seventy five week gross is not the same as 70 sorry. 75 net, which is what you have in your hand, is, like, obviously, a different amount of gross. So it comes out of your gross income, not your net income because you don't get yeah. Yeah. So I can back calculate, have a look at how it affects your personal income. Yeah. And play with it from that side. And then, I guess, in terms of, like, the the high growth allocation, are you still happy to go ahead with it? Like, do you want me to email you the I guess, again, the statement of advice is nonvalid anymore because it is out of date. You can still have a read over it, and I will obviously have a look and reupdate strategies and stuff like that. But I can email it to you, and we can and I can well, I'll see if I can twist my power planer's arm to try and get it out by end of week, but think I might be pushing my luck with how much I put on his table the last couple of days. Essentially, so to stay where we are, I I wouldn't move more conservatively, to be completely honest. It would either be hold that eighty twenty or move into a slightly more aggressive position and go from there. Realistically speaking, I'm probably leaning more towards a more aggressive position at least for the next sort of five to seven years because that's gonna give us a better overall perspective come retirement. Obviously, we're still quite a while away from retirement. It sounds sad when we put it that way, but we we still have a bit of time left. So we we, you know, we we don't wanna be going too conservative too quickly. We we wanna make sure we we're we're actually sort of riding the market properly. And, you know, some 40, we've got heaps of time. It wouldn't be until we're sort of maybe ten years to retirement that we'd I'd I'd wanna start maybe tailoring down on that a little bit and probably maybe pop back down to that $80.20. So yeah. So I'd be leaning more towards the high growth personally, but it's obviously, that's come down to your profit level as well. Okay. Fair fair enough. Cool. I'll I'll have a play around with the numbers, $75 as extra contributions. I'll redo up docs based on updated figures, all the rest of the the fun stuff, and I will get them back out to you, and then we can go from there and get them implemented. Let's say as a tentative you said you're three weeks off work, aren't you? Okay. So if I say Thursday, the tenth, which would be next Thursday, that way I'm not breaking my power plan as hard and pushing him too hard. And let's go say, like, 10:00 in the morning, if that's okay with you. This is oh, this is your this is your last week off. Right. Yep. And this is the last yeah. Understood. Cool. I can even do you something solid, and I could do 5PM on Tuesday. Cool. Five p no. It's okay. I'll just break friendships. No. It's okay. I'll I'll make it work. Exactly. I gotta crack the whip every now and again. No. No. I'll yeah. No. I'll get it out. Cool. Alright. Well, I'll book that in for Tuesday at 5PM. I'll add you to the calendar invite so that way you get a notification to remind you, and I'll get it turned around and done then. Amazing. Perfect. Yes. We will. No. No stress, ma'am. Have a good one. 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Sam. Larissa, Oakview Financial. How are you going? Yeah. Good.\n\nThank you. I was just giving you a call to touch base and have a quick conversation. Was now still a good time? Yeah. Cool.\n\nPerfect. Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just full name, date of birth, and address. Perfect. Thank you for that one.\n\nSo you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund. And I undertook a bit of a review, and then we haven't been able to connect again, unfortunately. So it's good that we've been here. We're here today, which is good. Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and review When I was unable to to get you on the phone, we we had a scheduled booking at the end of July, and I I sent the documents to you ahead of our meeting, and then we we obviously didn't connect.\n\nThose documents are expired, but rather than me having, I guess, gone through and reupdated them, I wanted to, I guess, have have a bit of a conversation first before we I went through it and put the time in again. So, I guess, first and foremost, what I, I guess, want to establish is whether anything in your world has changed at all and whether, you know, your your circumstances are still the same. So all of the details I originally had on file were, like, you're an admin store, man manager, quality control, $100,000 a year in terms of income, defacto relationship, two dependents. You were looking you're, at the time, saving roughly $50 a week from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward. Ring bells?\n\nCool. So I undertook a look at at your investments, and there was changes that I just wanna make underlying anyway. There's a few of the investments that just weren't quite hitting great for me, Specifically, one of them being Benelon, which is an Australian equity fund. A, it was a little bit more expensive on the front end from an investment cost perspective. And then secondarily, the actual investment just wasn't quite pulling where I wanted it to.\n\nSo the the the fund is what's called a high conviction fund. So, basically, they invest in the long term and stand behind their their investments assets. And the main issue that I had was that they just weren't coming up to the changes in the economic climate, and coming, you know, coming to the the changes that are all happening. So losses are being felt in that fund, and I just don't wanna stick with them long term. One of the other main changes is that banking hybrids are, as a whole, being phased out legislatively.\n\nSo rather than hold on to banking hybrids until they do actually phase out, which they're not phasing out for another sort of four years, but rather than hold on to them until they do phase out, I'd rather get a bit ahead of the curve. So that way, we don't feel any of the losses as people start selling out of those assets, and we can, you know, solidify what we've made within that asset and move on to something else that's gonna benefit us long term. So I had a look at sort of, like, as an underlying the underlying assets, looked at from a perspective of was there some of the assets that you hold overall that I could shift have, you know, something similar that was gonna have better performance and was cheaper underlying as well. And then I obviously did a comparison between where you're invested now, which is which was more that growth eighty twenty kind of split to looking at a more high growth alternative as well, so sort of between those two comparisons to try and establish whether we we could move between the two. Because, obviously, as we sort of talked about, there's no point jumping into a more aggressive position unless you need to and and wanted to sort of look at that side of things.\n\nNow, ultimately speaking, I looked at the, like, the growth perspective versus the high growth. So 8020 versus, like, a 9010, like for like. So, you know, if you weren't to change any of, you know, any of the contributions you're making, like, putting in or anything like that, And, obviously speaking, high growth is going to come out with a better outcome in ten years to the degree of about a $140. And that's just based on the compounding returns that happen within the account. Now speaking in terms of risk outcomes, what it basically comes to is, are there other alternatives that we can look at that would enable you to potentially not have to take on, like, a higher risk?\n\nOr is it something that you're comfortable with? And I know we did we did talk about it, and you were pretty comfortable taking on the additional risk anyway. But ultimately speaking, I guess there's two avenues that we can go down. Is we we go to the, like, 9010 sort of split, which, age wise, makes perfect sense cyclical. Like, with investment markets, they're cyclical.\n\nAnd realistically, you know, in a high growth investment, we're gonna see sort of one down every five years. So within a five year market movement, we're gonna have one negative year. Now moving into a high growth means that, you know, we're gonna have that little bit more volatility up and down. But hold holding it does give us that better better long term outcome. Now the other alternative is is that we look at putting more money into the fund.\n\nHowever, we're looking at sort of $50 a week that you have in, I guess, additional cash flow. And one of the things we didn't really discuss when we did speak earlier in the year was whether you had a plan for that additional cash flow that you had otherwise, I guess, earmarked that money for or whether it was just that sort of what you sort of save and it gets used as discretionary funds. So, you know, you'll then go and go out to dinner and sort of spend it that way or Yep. Mhmm. Okay.\n\nYep. Yep. Yep. Yep. Yeah.\n\nMhmm. Yep. Yeah. Yeah. Okay.\n\nYeah. We thought we we talked we talked about you having we talked about you having the, like, trading 212 account. So I'm assuming yeah. Yeah. I think you had about three and a half.\n\nWell, yeah, you had about three and a half when we spoke. So I'm assuming that's increased a bit. Cool. Alright. Perfect.\n\nAnd debt wise, do we have any or, like, we've paid everything off? Okay. Yep. Yep. Okay.\n\nNot too too much left. Is that like a interest free loan? Is that, like, an interest yeah. Cool. Cool.\n\nAnd then sorry. Your income, I guess, looks after, like, household expenses. Is that what you were getting sort of going? Does your were you about to say that your income looks after the household expenses? Yeah.\n\nYeah. Okay. Cool. Do you so do you wanna look at putting money in? Because tax effectively, we can reduce the marginal tax rate you're paying and sort of look at avenues that way.\n\nYeah. Yeah. We would we we draft a letter up for you and just you'd send it to work. And it's something that they just need to set up in their back end, like, accounting system. The say the same way as when they make, yeah.\n\nSame way as they'd make, like, standard contributions. It's just they have to nominate in, like, an additional amount. But I can sort of do calculations math on how much to put in and what that outcome would be and what that does for your tax as well. If you pay less marginal tax rate, but you'd obviously pay a little bit more in your super fund, So there's generally a bit of a sweet spot to make sure that we're not overpaying tax and it's still working. But how much would we be happy to, I guess, allocate to that venture?\n\nA week? Okay. Alright. I'll have a look at it and see where that lands. Because seventy five week gross is not the same as 70 sorry.\n\n75 net, which is what you have in your hand, is, like, obviously, a different amount of gross. So it comes out of your gross income, not your net income because you don't get yeah. Yeah. So I can back calculate, have a look at how it affects your personal income. Yeah.\n\nAnd play with it from that side. And then, I guess, in terms of, like, the the high growth allocation, are you still happy to go ahead with it? Like, do you want me to email you the I guess, again, the statement of advice is nonvalid anymore because it is out of date. You can still have a read over it, and I will obviously have a look and reupdate strategies and stuff like that. But I can email it to you, and we can and I can well, I'll see if I can twist my power planer's arm to try and get it out by end of week, but think I might be pushing my luck with how much I put on his table the last couple of days.\n\nEssentially, so to stay where we are, I I wouldn't move more conservatively, to be completely honest. It would either be hold that eighty twenty or move into a slightly more aggressive position and go from there. Realistically speaking, I'm probably leaning more towards a more aggressive position at least for the next sort of five to seven years because that's gonna give us a better overall perspective come retirement. Obviously, we're still quite a while away from retirement. It sounds sad when we put it that way, but we we still have a bit of time left.\n\nSo we we, you know, we we don't wanna be going too conservative too quickly. We we wanna make sure we we're we're actually sort of riding the market properly. And, you know, some 40, we've got heaps of time. It wouldn't be until we're sort of maybe ten years to retirement that we'd I'd I'd wanna start maybe tailoring down on that a little bit and probably maybe pop back down to that $80.20. So yeah.\n\nSo I'd be leaning more towards the high growth personally, but it's obviously, that's come down to your profit level as well. Okay. Fair fair enough. Cool. I'll I'll have a play around with the numbers, $75 as extra contributions.\n\nI'll redo up docs based on updated figures, all the rest of the the fun stuff, and I will get them back out to you, and then we can go from there and get them implemented. Let's say as a tentative you said you're three weeks off work, aren't you? Okay. So if I say Thursday, the tenth, which would be next Thursday, that way I'm not breaking my power plan as hard and pushing him too hard. And let's go say, like, 10:00 in the morning, if that's okay with you.\n\nThis is oh, this is your this is your last week off. Right. Yep. And this is the last yeah. Understood.\n\nCool. I can even do you something solid, and I could do 5PM on Tuesday. Cool. Five p no. It's okay.\n\nI'll just break friendships. No. It's okay. I'll I'll make it work. Exactly.\n\nI gotta crack the whip every now and again. No. No. I'll yeah. No.\n\nI'll get it out. Cool. Alright. Well, I'll book that in for Tuesday at 5PM. I'll add you to the calendar invite so that way you get a notification to remind you, and I'll get it turned around and done then.\n\nAmazing. Perfect. Yes. We will. No.\n\nNo stress, ma'am. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sam.","start":3.76,"end":4.88,"sentiment":"neutral","sentiment_score":0.11989191174507141},{"text":"Larissa, Oakview Financial.","start":4.88,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.12078781425952911},{"text":"How are you going?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.17297468706965446},{"text":"Yeah.","start":9.5199995,"end":10.0,"sentiment":"neutral","sentiment_score":0.2131151705980301},{"text":"Good.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.5169936418533325}],"sentiment":"neutral","sentiment_score":0.18401407518170096,"num_words":11,"start":3.76,"end":10.48},{"sentences":[{"text":"Thank you.","start":10.48,"end":11.3,"sentiment":"positive","sentiment_score":0.6294334232807159},{"text":"I was just giving you a call to touch base and have a quick conversation.","start":12.195,"end":15.735,"sentiment":"positive","sentiment_score":0.35729519128799436},{"text":"Was now still a good time?","start":15.795,"end":17.255,"sentiment":"neutral","sentiment_score":0.23550243924061456},{"text":"Yeah.","start":18.914999,"end":19.414999,"sentiment":"neutral","sentiment_score":0.3129490315914154},{"text":"Cool.","start":19.555,"end":19.875,"sentiment":"positive","sentiment_score":0.499822735786438}],"sentiment":"positive","sentiment_score":0.35376324474811555,"num_words":25,"start":10.48,"end":19.875},{"sentences":[{"text":"Perfect.","start":19.875,"end":20.375,"sentiment":"positive","sentiment_score":0.4598489999771118},{"text":"Before I jump into it, I do need to let you know that our calls are recorded.","start":20.755,"end":23.654999,"sentiment":"neutral","sentiment_score":0.09331458105760462},{"text":"And if I could just get you confirmed security for me, it's just full name, date of birth, and address.","start":23.794998,"end":37.07,"sentiment":"neutral","sentiment_score":0.09185611605644226},{"text":"Perfect.","start":37.690002,"end":38.190002,"sentiment":"positive","sentiment_score":0.40796422958374023},{"text":"Thank you for that one.","start":38.25,"end":39.55,"sentiment":"positive","sentiment_score":0.5442052721977234}],"sentiment":"neutral","sentiment_score":0.15937067703767258,"num_words":44,"start":19.875,"end":39.55},{"sentences":[{"text":"So you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund.","start":40.489998,"end":54.594997,"sentiment":"neutral","sentiment_score":0.1489141654709111},{"text":"And I undertook a bit of a review, and then we haven't been able to connect again, unfortunately.","start":55.399998,"end":61.899998,"sentiment":"neutral","sentiment_score":-0.029335884273880057},{"text":"So it's good that we've been here.","start":63.239998,"end":65.72,"sentiment":"neutral","sentiment_score":0.21445661463907786},{"text":"We're here today, which is good.","start":65.72,"end":67.58,"sentiment":"positive","sentiment_score":0.45935384432474774},{"text":"Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and review When I was unable to to get you on the phone, we we had a scheduled booking at the end of July, and I I sent the documents to you ahead of our meeting, and then we we obviously didn't connect.","start":69.555,"end":90.590004,"sentiment":"neutral","sentiment_score":-0.0763835558487523}],"sentiment":"neutral","sentiment_score":0.020849299954314685,"num_words":116,"start":40.489998,"end":90.590004},{"sentences":[{"text":"Those documents are expired, but rather than me having, I guess, gone through and reupdated them, I wanted to, I guess, have have a bit of a conversation first before we I went through it and put the time in again.","start":91.850006,"end":106.915,"sentiment":"neutral","sentiment_score":-0.0503762990190852},{"text":"So, I guess, first and foremost, what I, I guess, want to establish is whether anything in your world has changed at all and whether, you know, your your circumstances are still the same.","start":111.37,"end":127.955,"sentiment":"neutral","sentiment_score":-0.0694593339062789},{"text":"So all of the details I originally had on file were, like, you're an admin store, man manager, quality control, $100,000 a year in terms of income, defacto relationship, two dependents.","start":128.255,"end":143.73001,"sentiment":"neutral","sentiment_score":0.10193196227473597},{"text":"You were looking you're, at the time, saving roughly $50 a week from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward.","start":143.87001,"end":173.16,"sentiment":"neutral","sentiment_score":0.201755281715166},{"text":"Ring bells?","start":175.38,"end":176.2,"sentiment":"neutral","sentiment_score":0.040399741381406784}],"sentiment":"neutral","sentiment_score":0.06739314297508252,"num_words":171,"start":91.850006,"end":176.2},{"sentences":[{"text":"Cool.","start":179.22,"end":179.72,"sentiment":"neutral","sentiment_score":0.28398850560188293},{"text":"So I undertook a look at at your investments, and there was changes that I just wanna make underlying anyway.","start":180.66,"end":192.515,"sentiment":"neutral","sentiment_score":0.12109945192933083},{"text":"There's a few of the investments that just weren't quite hitting great for me, Specifically, one of them being Benelon, which is an Australian equity fund.","start":193.135,"end":203.34999,"sentiment":"neutral","sentiment_score":-0.14326238847122744},{"text":"A, it was a little bit more expensive on the front end from an investment cost perspective.","start":203.34999,"end":210.33,"sentiment":"negative","sentiment_score":-0.36829353781307445},{"text":"And then secondarily, the actual investment just wasn't quite pulling where I wanted it to.","start":211.265,"end":217.505,"sentiment":"neutral","sentiment_score":-0.31295632421970365}],"sentiment":"neutral","sentiment_score":-0.15157189319216752,"num_words":79,"start":179.22,"end":217.505},{"sentences":[{"text":"So the the the fund is what's called a high conviction fund.","start":217.505,"end":221.185,"sentiment":"neutral","sentiment_score":-0.01051110370705525},{"text":"So, basically, they invest in the long term and stand behind their their investments assets.","start":221.185,"end":226.565,"sentiment":"neutral","sentiment_score":0.04954618439078331},{"text":"And the main issue that I had was that they just weren't coming up to the changes in the economic climate, and coming, you know, coming to the the changes that are all happening.","start":227.87999,"end":237.18,"sentiment":"neutral","sentiment_score":-0.27599814446533427},{"text":"So losses are being felt in that fund, and I just don't wanna stick with them long term.","start":238.04,"end":242.37999,"sentiment":"negative","sentiment_score":-0.437254387471411},{"text":"One of the other main changes is that banking hybrids are, as a whole, being phased out legislatively.","start":242.68501,"end":250.30501,"sentiment":"neutral","sentiment_score":-0.16792933146158853}],"sentiment":"neutral","sentiment_score":-0.20268231269317805,"num_words":97,"start":217.505,"end":250.30501},{"sentences":[{"text":"So rather than hold on to banking hybrids until they do actually phase out, which they're not phasing out for another sort of four years, but rather than hold on to them until they do phase out, I'd rather get a bit ahead of the curve.","start":251.645,"end":265.77002,"sentiment":"neutral","sentiment_score":-0.0633030440253408},{"text":"So that way, we don't feel any of the losses as people start selling out of those assets, and we can, you know, solidify what we've made within that asset and move on to something else that's gonna benefit us long term.","start":265.83002,"end":280.215,"sentiment":"positive","sentiment_score":0.46676745762427646},{"text":"So I had a look at sort of, like, as an underlying the underlying assets, looked at from a perspective of was there some of the assets that you hold overall that I could shift have, you know, something similar that was gonna have better performance and was cheaper underlying as well.","start":281.955,"end":301.245,"sentiment":"neutral","sentiment_score":0.16810969456743735},{"text":"And then I obviously did a comparison between where you're invested now, which is which was more that growth eighty twenty kind of split to looking at a more high growth alternative as well, so sort of between those two comparisons to try and establish whether we we could move between the two.","start":301.965,"end":324.7,"sentiment":"neutral","sentiment_score":0.07810564226699325},{"text":"Because, obviously, as we sort of talked about, there's no point jumping into a more aggressive position unless you need to and and wanted to sort of look at that side of things.","start":325.56,"end":337.835,"sentiment":"neutral","sentiment_score":-0.08997629594170686}],"sentiment":"neutral","sentiment_score":0.11771848932139378,"num_words":226,"start":251.645,"end":337.835},{"sentences":[{"text":"Now, ultimately speaking, I looked at the, like, the growth perspective versus the high growth.","start":338.535,"end":345.69,"sentiment":"neutral","sentiment_score":0.03824217567841212},{"text":"So 8020 versus, like, a 9010, like for like.","start":346.47,"end":350.78998,"sentiment":"neutral","sentiment_score":0.07404416385624144},{"text":"So, you know, if you weren't to change any of, you know, any of the contributions you're making, like, putting in or anything like that, And, obviously speaking, high growth is going to come out with a better outcome in ten years to the degree of about a $140.","start":350.78998,"end":366.095,"sentiment":"neutral","sentiment_score":0.18026599538873653},{"text":"And that's just based on the compounding returns that happen within the account.","start":366.955,"end":372.21,"sentiment":"neutral","sentiment_score":0.23383510800508353},{"text":"Now speaking in terms of risk outcomes, what it basically comes to is, are there other alternatives that we can look at that would enable you to potentially not have to take on, like, a higher risk?","start":372.61,"end":396.985,"sentiment":"neutral","sentiment_score":0.046900921878782476}],"sentiment":"neutral","sentiment_score":0.12071751542692262,"num_words":123,"start":338.535,"end":396.985},{"sentences":[{"text":"Or is it something that you're comfortable with?","start":397.83,"end":400.00998,"sentiment":"neutral","sentiment_score":0.02409377385629341},{"text":"And I know we did we did talk about it, and you were pretty comfortable taking on the additional risk anyway.","start":400.38998,"end":404.96997,"sentiment":"neutral","sentiment_score":0.061335665528618154},{"text":"But ultimately speaking, I guess there's two avenues that we can go down.","start":406.31,"end":409.485,"sentiment":"neutral","sentiment_score":0.04275541265423481},{"text":"Is we we go to the, like, 9010 sort of split, which, age wise, makes perfect sense cyclical.","start":409.645,"end":416.78497,"sentiment":"neutral","sentiment_score":0.10422468909786807},{"text":"Like, with investment markets, they're cyclical.","start":416.925,"end":419.10498,"sentiment":"neutral","sentiment_score":-0.06033532197276751}],"sentiment":"neutral","sentiment_score":0.053797757626990926,"num_words":66,"start":397.83,"end":419.10498},{"sentences":[{"text":"And realistically, you know, in a high growth investment, we're gonna see sort of one down every five years.","start":419.88498,"end":425.4,"sentiment":"neutral","sentiment_score":-0.21429347325312464},{"text":"So within a five year market movement, we're gonna have one negative year.","start":425.72,"end":430.3,"sentiment":"negative","sentiment_score":-0.4536021730074516},{"text":"Now moving into a high growth means that, you know, we're gonna have that little bit more volatility up and down.","start":431.88,"end":438.46,"sentiment":"neutral","sentiment_score":-0.3005663596448444},{"text":"But hold holding it does give us that better better long term outcome.","start":440.445,"end":444.785,"sentiment":"neutral","sentiment_score":-0.026110414702158708},{"text":"Now the other alternative is is that we look at putting more money into the fund.","start":445.405,"end":451.505,"sentiment":"neutral","sentiment_score":0.09944763453677297}],"sentiment":"neutral","sentiment_score":-0.18327525648765447,"num_words":82,"start":419.88498,"end":451.505},{"sentences":[{"text":"However, we're looking at sort of $50 a week that you have in, I guess, additional cash flow.","start":452.63,"end":460.49,"sentiment":"neutral","sentiment_score":0.07561338858471976},{"text":"And one of the things we didn't really discuss when we did speak earlier in the year was whether you had a plan for that additional cash flow that you had otherwise, I guess, earmarked that money for or whether it was just that sort of what you sort of save and it gets used as discretionary funds.","start":461.27,"end":482.27002,"sentiment":"neutral","sentiment_score":0.08214862924069166},{"text":"So, you know, you'll then go and go out to dinner and sort of spend it that way or Yep.","start":482.27002,"end":496.92502,"sentiment":"neutral","sentiment_score":0.11083680619485677},{"text":"Mhmm.","start":507.785,"end":508.035,"sentiment":"neutral","sentiment_score":-0.08492112159729004},{"text":"Okay.","start":508.035,"end":508.535,"sentiment":"neutral","sentiment_score":-0.056100912392139435}],"sentiment":"neutral","sentiment_score":0.08368750592237528,"num_words":98,"start":452.63,"end":508.535},{"sentences":[{"text":"Yep.","start":511.32,"end":511.82,"sentiment":"neutral","sentiment_score":0.01951320841908455},{"text":"Yep.","start":517.72,"end":518.22,"sentiment":"neutral","sentiment_score":0.10033078491687776},{"text":"Yep.","start":526.04,"end":526.395,"sentiment":"neutral","sentiment_score":0.0915072187781334},{"text":"Yep.","start":532.075,"end":532.575,"sentiment":"neutral","sentiment_score":0.0041531529277563095},{"text":"Yeah.","start":541.24,"end":541.74,"sentiment":"neutral","sentiment_score":-0.03003324754536152}],"sentiment":"neutral","sentiment_score":0.0370942234992981,"num_words":5,"start":511.32,"end":541.74},{"sentences":[{"text":"Mhmm.","start":560.185,"end":560.685,"sentiment":"neutral","sentiment_score":-0.002635866403579712},{"text":"Yep.","start":575.32,"end":575.82,"sentiment":"neutral","sentiment_score":0.13352541625499725},{"text":"Yeah.","start":581.24,"end":581.595,"sentiment":"neutral","sentiment_score":0.06906601786613464},{"text":"Yeah.","start":585.355,"end":585.855,"sentiment":"neutral","sentiment_score":0.14574718475341797},{"text":"Okay.","start":607.05,"end":607.55,"sentiment":"neutral","sentiment_score":0.10864302515983582}],"sentiment":"neutral","sentiment_score":0.09086915552616119,"num_words":5,"start":560.185,"end":607.55},{"sentences":[{"text":"Yeah.","start":608.89,"end":609.39,"sentiment":"neutral","sentiment_score":0.040132321417331696},{"text":"We thought we we talked we talked about you having we talked about you having the, like, trading 212 account.","start":609.835,"end":615.295,"sentiment":"neutral","sentiment_score":0.002086067292839289},{"text":"So I'm assuming yeah.","start":615.675,"end":617.115,"sentiment":"neutral","sentiment_score":0.02048133732751012},{"text":"Yeah.","start":617.115,"end":617.435,"sentiment":"neutral","sentiment_score":0.03941789269447327},{"text":"I think you had about three and a half.","start":617.435,"end":618.875,"sentiment":"neutral","sentiment_score":0.029833067001567945}],"sentiment":"neutral","sentiment_score":0.013476986065506935,"num_words":35,"start":608.89,"end":618.875},{"sentences":[{"text":"Well, yeah, you had about three and a half when we spoke.","start":618.875,"end":621.055,"sentiment":"neutral","sentiment_score":0.026076676634450752},{"text":"So I'm assuming that's increased a bit.","start":621.355,"end":623.695,"sentiment":"neutral","sentiment_score":0.05387979532991137},{"text":"Cool.","start":626.76996,"end":627.26996,"sentiment":"positive","sentiment_score":0.3649557828903198},{"text":"Alright.","start":630.44995,"end":630.94995,"sentiment":"positive","sentiment_score":0.33594799041748047},{"text":"Perfect.","start":631.00995,"end":631.50995,"sentiment":"positive","sentiment_score":0.4860602021217346}],"sentiment":"neutral","sentiment_score":0.0853201210160147,"num_words":22,"start":618.875,"end":631.50995},{"sentences":[{"text":"And debt wise, do we have any or, like, we've paid everything off?","start":631.64996,"end":637.005,"sentiment":"neutral","sentiment_score":0.06958423039087883},{"text":"Okay.","start":651.245,"end":651.745,"sentiment":"neutral","sentiment_score":0.08354023098945618},{"text":"Yep.","start":652.48004,"end":652.98004,"sentiment":"neutral","sentiment_score":0.06634223461151123},{"text":"Yep.","start":659.60004,"end":660.10004,"sentiment":"neutral","sentiment_score":0.03396959230303764},{"text":"Okay.","start":660.24005,"end":660.74005,"sentiment":"neutral","sentiment_score":0.03559691458940506}],"sentiment":"neutral","sentiment_score":0.06612023338675499,"num_words":17,"start":631.64996,"end":660.74005},{"sentences":[{"text":"Not too too much left.","start":661.44,"end":662.74005,"sentiment":"neutral","sentiment_score":-0.20723272264003753},{"text":"Is that like a interest free loan?","start":665.92004,"end":668.345,"sentiment":"neutral","sentiment_score":0.004182081004338605},{"text":"Is that, like, an interest yeah.","start":668.485,"end":671.945,"sentiment":"neutral","sentiment_score":0.0505840169886748},{"text":"Cool.","start":672.245,"end":672.565,"sentiment":"positive","sentiment_score":0.4266350865364074},{"text":"Cool.","start":672.565,"end":673.065,"sentiment":"neutral","sentiment_score":0.312680184841156}],"sentiment":"neutral","sentiment_score":0.0017965163569897385,"num_words":20,"start":661.44,"end":673.065},{"sentences":[{"text":"And then sorry.","start":674.565,"end":675.285,"sentiment":"neutral","sentiment_score":0.06633454437057178},{"text":"Your income, I guess, looks after, like, household expenses.","start":675.285,"end":678.085,"sentiment":"neutral","sentiment_score":0.004278913968139225},{"text":"Is that what you were getting sort of going?","start":678.085,"end":679.71,"sentiment":"neutral","sentiment_score":0.003377123839325375},{"text":"Does your were you about to say that your income looks after the household expenses?","start":681.71,"end":686.61005,"sentiment":"neutral","sentiment_score":-0.01009650578101476},{"text":"Yeah.","start":693.60504,"end":694.10504,"sentiment":"neutral","sentiment_score":0.0375920906662941}],"sentiment":"neutral","sentiment_score":0.004163580468377551,"num_words":37,"start":674.565,"end":694.10504},{"sentences":[{"text":"Yeah.","start":711.3,"end":711.8,"sentiment":"neutral","sentiment_score":0.13859404623508453},{"text":"Okay.","start":711.86,"end":712.36,"sentiment":"neutral","sentiment_score":0.21636787056922913},{"text":"Cool.","start":712.81995,"end":713.31995,"sentiment":"neutral","sentiment_score":0.24580952525138855},{"text":"Do you so do you wanna look at putting money in?","start":714.18,"end":717.8,"sentiment":"neutral","sentiment_score":0.13282684033567255},{"text":"Because tax effectively, we can reduce the marginal tax rate you're paying and sort of look at avenues that way.","start":718.79504,"end":724.41504,"sentiment":"neutral","sentiment_score":0.20378497838974}],"sentiment":"neutral","sentiment_score":0.18051665451596766,"num_words":34,"start":711.3,"end":724.41504},{"sentences":[{"text":"Yeah.","start":728.395,"end":728.895,"sentiment":"neutral","sentiment_score":0.06348152458667755},{"text":"Yeah.","start":732.11,"end":732.35,"sentiment":"neutral","sentiment_score":0.09000986814498901},{"text":"We would we we draft a letter up for you and just you'd send it to work.","start":732.35,"end":738.52997,"sentiment":"neutral","sentiment_score":0.11408579919268103},{"text":"And it's something that they just need to set up in their back end, like, accounting system.","start":739.07,"end":744.67,"sentiment":"neutral","sentiment_score":0.11088953123373144},{"text":"The say the same way as when they make, yeah.","start":744.67,"end":747.325,"sentiment":"neutral","sentiment_score":0.06970028281211853}],"sentiment":"neutral","sentiment_score":0.10163206169786661,"num_words":46,"start":728.395,"end":747.325},{"sentences":[{"text":"Same way as they'd make, like, standard contributions.","start":747.325,"end":751.185,"sentiment":"neutral","sentiment_score":0.2349382694810629},{"text":"It's just they have to nominate in, like, an additional amount.","start":751.245,"end":753.825,"sentiment":"neutral","sentiment_score":0.16632095250216397},{"text":"But I can sort of do calculations math on how much to put in and what that outcome would be and what that does for your tax as well.","start":754.765,"end":766.78,"sentiment":"neutral","sentiment_score":0.19852244160298643},{"text":"If you pay less marginal tax rate, but you'd obviously pay a little bit more in your super fund, So there's generally a bit of a sweet spot to make sure that we're not overpaying tax and it's still working.","start":768.36,"end":778.49506,"sentiment":"neutral","sentiment_score":0.3264419961720705},{"text":"But how much would we be happy to, I guess, allocate to that venture?","start":779.195,"end":784.655,"sentiment":"positive","sentiment_score":0.34687164425849915}],"sentiment":"neutral","sentiment_score":0.2684320618270659,"num_words":102,"start":747.325,"end":784.655},{"sentences":[{"text":"A week?","start":795.04,"end":795.69995,"sentiment":"neutral","sentiment_score":0.051380038261413574},{"text":"Okay.","start":797.68,"end":798.18,"sentiment":"neutral","sentiment_score":0.09136871248483658},{"text":"Alright.","start":798.745,"end":798.98505,"sentiment":"neutral","sentiment_score":0.10965386033058168},{"text":"I'll have a look at it and see where that lands.","start":798.98505,"end":801.245,"sentiment":"neutral","sentiment_score":0.06554868918928233},{"text":"Because seventy five week gross is not the same as 70 sorry.","start":803.705,"end":806.745,"sentiment":"neutral","sentiment_score":-0.22563531746466955}],"sentiment":"neutral","sentiment_score":-0.062326132561321614,"num_words":27,"start":795.04,"end":806.745},{"sentences":[{"text":"75 net, which is what you have in your hand, is, like, obviously, a different amount of gross.","start":806.745,"end":811.145,"sentiment":"neutral","sentiment_score":-0.0920786793447203},{"text":"So it comes out of your gross income, not your net income because you don't get yeah.","start":811.145,"end":816.36,"sentiment":"neutral","sentiment_score":-0.09418414796099943},{"text":"Yeah.","start":816.5,"end":816.9,"sentiment":"neutral","sentiment_score":-0.010906651616096497},{"text":"So I can back calculate, have a look at how it affects your personal income.","start":816.9,"end":822.76,"sentiment":"neutral","sentiment_score":-0.01978071630001068},{"text":"Yeah.","start":822.82,"end":823.32,"sentiment":"neutral","sentiment_score":0.03385278210043907}],"sentiment":"neutral","sentiment_score":-0.06792906456841873,"num_words":52,"start":806.745,"end":823.32},{"sentences":[{"text":"And play with it from that side.","start":824.1,"end":825.72,"sentiment":"neutral","sentiment_score":0.019536546298435757},{"text":"And then, I guess, in terms of, like, the the high growth allocation, are you still happy to go ahead with it?","start":827.33496,"end":838.055,"sentiment":"neutral","sentiment_score":0.06675350530581041},{"text":"Like, do you want me to email you the I guess, again, the statement of advice is nonvalid anymore because it is out of date.","start":838.055,"end":844.76,"sentiment":"neutral","sentiment_score":-0.30614522233605385},{"text":"You can still have a read over it, and I will obviously have a look and reupdate strategies and stuff like that.","start":845.7,"end":851.535,"sentiment":"neutral","sentiment_score":0.031878881325775925},{"text":"But I can email it to you, and we can and I can well, I'll see if I can twist my power planer's arm to try and get it out by end of week, but think I might be pushing my luck with how much I put on his table the last couple of days.","start":851.535,"end":869.05,"sentiment":"neutral","sentiment_score":0.05812616131522439}],"sentiment":"neutral","sentiment_score":-0.01641239203114546,"num_words":131,"start":824.1,"end":869.05},{"sentences":[{"text":"Essentially, so to stay where we are, I I wouldn't move more conservatively, to be completely honest.","start":876.53503,"end":881.09503,"sentiment":"neutral","sentiment_score":-0.06377789991743424},{"text":"It would either be hold that eighty twenty or move into a slightly more aggressive position and go from there.","start":881.09503,"end":888.695,"sentiment":"neutral","sentiment_score":-0.021757251303642988},{"text":"Realistically speaking, I'm probably leaning more towards a more aggressive position at least for the next sort of five to seven years because that's gonna give us a better overall perspective come retirement.","start":888.695,"end":904.675,"sentiment":"neutral","sentiment_score":0.059043335072188216},{"text":"Obviously, we're still quite a while away from retirement.","start":905.295,"end":908.435,"sentiment":"neutral","sentiment_score":-0.20687608751985762},{"text":"It sounds sad when we put it that way, but we we still have a bit of time left.","start":909.695,"end":914.435,"sentiment":"neutral","sentiment_score":-0.20893841315256922}],"sentiment":"neutral","sentiment_score":-0.05512912147820984,"num_words":98,"start":876.53503,"end":914.435},{"sentences":[{"text":"So we we, you know, we we don't wanna be going too conservative too 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towards the high growth personally, but it's obviously, that's come down to your profit level as well.","start":946.12006,"end":951.5,"sentiment":"neutral","sentiment_score":0.06921301371502606},{"text":"Okay.","start":958.60004,"end":959.10004,"sentiment":"neutral","sentiment_score":0.12962833046913147},{"text":"Fair fair enough.","start":966.09503,"end":967.155,"sentiment":"neutral","sentiment_score":0.24798290928204855},{"text":"Cool.","start":968.255,"end":968.755,"sentiment":"positive","sentiment_score":0.40659505128860474},{"text":"I'll I'll have a play around with the numbers, $75 as extra contributions.","start":968.975,"end":972.915,"sentiment":"neutral","sentiment_score":0.18186088307545736}],"sentiment":"neutral","sentiment_score":0.12917624728288502,"num_words":40,"start":946.12006,"end":972.915},{"sentences":[{"text":"I'll redo up docs based on updated figures, all the rest of the the fun stuff, and I will get them back out to you, and then we can go from there and get 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yeah.","start":1076.015,"end":1077.4751,"sentiment":"neutral","sentiment_score":-0.2433464303612709},{"text":"No.","start":1077.535,"end":1078.035,"sentiment":"neutral","sentiment_score":-0.2427477240562439}],"sentiment":"neutral","sentiment_score":-0.18298733873026712,"num_words":14,"start":1070.9751,"end":1078.035},{"sentences":[{"text":"I'll get it out.","start":1079.135,"end":1080.03,"sentiment":"neutral","sentiment_score":-0.13301530107855797},{"text":"Cool.","start":1080.51,"end":1080.91,"sentiment":"neutral","sentiment_score":0.22815266251564023},{"text":"Alright.","start":1080.91,"end":1081.15,"sentiment":"neutral","sentiment_score":0.2582935392856598},{"text":"Well, I'll book that in for Tuesday at 5PM.","start":1081.15,"end":1084.91,"sentiment":"neutral","sentiment_score":0.16736773567067253},{"text":"I'll add you to the calendar invite so that way you get a notification to remind you, and I'll get it turned around and done 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Yeah. I'm too shabby, mate. How are you? Yes. Yeah. That's fine. Smarties Sparks. 04/15/1988. 9 Colorado Drive, Springfield. Uh-huh. Here we are. Cool. Okay. Okay. Yeah. That's yeah. No. We yeah. We don't need to do that, I don't think. It's only been a couple of months. Mhmm. Mhmm. Yeah. Yeah. No. Yeah. I remember that. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Yep. Okay. Mhmm. Yeah. Mhmm. Mhmm. Okay. Mhmm. Okay. Mhmm. Yeah. I've probably got okay. So I think to address first off the changes at home, I think you guys had me down. I'm in so a couple of things. One, I'm changing jobs. So I left the place that I was working at two weeks ago. I'm in the three week holiday, and I'm gonna start a new go on Monday next Monday. It's I'm starting off at the same rate. So starting a 105, and in three months, I'll have a pay review. Similar sort of thing. I'm still in there. Same industry, except I'm actually taking a bit of a step down in terms of responsibility. So it's just I'll be someone who I see rather than managing the warehouse myself. And I've I think since last time we spoke, I probably really did a bit of debt. So, like, I I don't know if we spoke to that, but I'm just playing around as well in the stock market. So I put, like, a $120 a week just into that S and P 500 index. And, you know, like, I've still got a few $100 left over at the end of the week to sort of, you know, play around with really. Probably not quite that much. Maybe, yeah, maybe like a couple 100 or something at the time, you know, buy groceries and fuel and all the rest of it. So I'm sitting a bit better, I think, since last last last time. A bit more money up my sleeves, and then there'll be, you know, like, a couple of other incremental bits and pieces coming by way as well over the next few months. So, yeah, I'll definitely have, you know, like yeah. A bit of leftovers at the end of each week anyway. I think that's what I was yeah. Not much else has changed. Oh, we did. Yeah. Okay. Yeah. Okay. Yeah. I think it's up around eight now. Yeah. Yeah. Everything's yeah. I'm oh, I've still got the the couch. I pay that, like, what's that? Yeah. I think it's, like, $15 a week or it might be, like, $50 a month or something like that for the couch, and I there's probably, like, another I don't know. I'm just gonna take a gander at about a year left on that or something, probably. Yeah. But it's it's it's bugger all. Yeah. But I look after all of it. Pay? Yeah. It's one of those interest free. Yeah. Go Mastercard things. Yeah. Sorry. Say that again? Yeah. Yeah. So the housing situation sort of I I still have two dependents, but I look after all the bills and and rent now. But, yeah, I'm still sitting, you know, can still go out for dinner and and whatnot and have so many left over at the end of the week. So we're doing alright. Is that is that something that I do through work where I get them to pay extra super or is that something you guys organize or? Oh, yeah. Yep. Oh, yep. Yep. Yep. Yeah. I think I've actually done this before. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Okay. And probably probably quite easily do, like, an extra 100 or something. We got $70.75 a week. Yeah. Yeah. Yeah. Yep. Okay. Not net. What that would be. Yeah. And yeah. Yeah. Yeah. Okay. Mhmm. So so the the the crux of this, are we just deciding, like, whether or not we wanna get more aggressive, stay where we are, or be more conservative? Is that essentially? Yeah. Yeah. Okay. That looks good. Lots of laughs here left. Yeah. Yeah. Okay. Yeah. Stop it. Go for it. I mean, yeah. You're there. Yeah. And dramas. Cool. Yeah. Yeah. So I've had two one left. Mhmm. Yeah. Probably a a little bit later because this this other job, I'll be finishing a a bit later than so, like, I'd say, like yeah. Yeah. Yeah. So I've had two off. So far, I've got one more left. So I start next Monday. Yeah. Yeah. So just I don't know if you have some questions at, like, 1PM available. Monday at 1PM. Yeah. Okay. See that? Is that too early for you guys? Right? Okay. Alright. I'll send chocolate. Alright. Yeah. Exactly. Well, I'm his boss. No. I I know I know what you mean. All good. Cool. Oh, sensational. Awesome. I'll check then. Thanks so much. We got this. Very good. You too, mate. 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Yeah. I'm too shabby, mate. How are you? Yes.\n\nYeah. That's fine. Smarties Sparks. 04/15/1988. 9 Colorado Drive, Springfield.\n\nUh-huh. Here we are. Cool. Okay. Okay.\n\nYeah. That's yeah. No. We yeah. We don't need to do that, I don't think.\n\nIt's only been a couple of months. Mhmm. Mhmm. Yeah. Yeah.\n\nNo. Yeah. I remember that. Mhmm. Mhmm.\n\nMhmm. Mhmm. Okay. Yep. Okay.\n\nMhmm. Yeah. Mhmm. Mhmm. Okay.\n\nMhmm. Okay. Mhmm. Yeah. I've probably got okay.\n\nSo I think to address first off the changes at home, I think you guys had me down. I'm in so a couple of things. One, I'm changing jobs. So I left the place that I was working at two weeks ago. I'm in the three week holiday, and I'm gonna start a new go on Monday next Monday.\n\nIt's I'm starting off at the same rate. So starting a 105, and in three months, I'll have a pay review. Similar sort of thing. I'm still in there. Same industry, except I'm actually taking a bit of a step down in terms of responsibility.\n\nSo it's just I'll be someone who I see rather than managing the warehouse myself. And I've I think since last time we spoke, I probably really did a bit of debt. So, like, I I don't know if we spoke to that, but I'm just playing around as well in the stock market. So I put, like, a $120 a week just into that S and P 500 index. And, you know, like, I've still got a few $100 left over at the end of the week to sort of, you know, play around with really.\n\nProbably not quite that much. Maybe, yeah, maybe like a couple 100 or something at the time, you know, buy groceries and fuel and all the rest of it. So I'm sitting a bit better, I think, since last last last time. A bit more money up my sleeves, and then there'll be, you know, like, a couple of other incremental bits and pieces coming by way as well over the next few months. So, yeah, I'll definitely have, you know, like yeah.\n\nA bit of leftovers at the end of each week anyway. I think that's what I was yeah. Not much else has changed. Oh, we did. Yeah.\n\nOkay. Yeah. Okay. Yeah. I think it's up around eight now.\n\nYeah. Yeah. Everything's yeah. I'm oh, I've still got the the couch. I pay that, like, what's that?\n\nYeah. I think it's, like, $15 a week or it might be, like, $50 a month or something like that for the couch, and I there's probably, like, another I don't know. I'm just gonna take a gander at about a year left on that or something, probably. Yeah. But it's it's it's bugger all.\n\nYeah. But I look after all of it. Pay? Yeah. It's one of those interest free.\n\nYeah. Go Mastercard things. Yeah. Sorry. Say that again?\n\nYeah. Yeah. So the housing situation sort of I I still have two dependents, but I look after all the bills and and rent now. But, yeah, I'm still sitting, you know, can still go out for dinner and and whatnot and have so many left over at the end of the week. So we're doing alright.\n\nIs that is that something that I do through work where I get them to pay extra super or is that something you guys organize or? Oh, yeah. Yep. Oh, yep. Yep.\n\nYep. Yeah. I think I've actually done this before. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yeah. Okay.\n\nAnd probably probably quite easily do, like, an extra 100 or something. We got $70.75 a week. Yeah. Yeah. Yeah.\n\nYep. Okay. Not net. What that would be. Yeah.\n\nAnd yeah. Yeah. Yeah. Okay. Mhmm.\n\nSo so the the the crux of this, are we just deciding, like, whether or not we wanna get more aggressive, stay where we are, or be more conservative? Is that essentially? Yeah. Yeah. Okay.\n\nThat looks good. Lots of laughs here left. Yeah. Yeah. Okay.\n\nYeah. Stop it. Go for it. I mean, yeah. You're there.\n\nYeah. And dramas. Cool. Yeah. Yeah.\n\nSo I've had two one left. Mhmm. Yeah. Probably a a little bit later because this this other job, I'll be finishing a a bit later than so, like, I'd say, like yeah. Yeah.\n\nYeah. So I've had two off. So far, I've got one more left. So I start next Monday. Yeah.\n\nYeah. So just I don't know if you have some questions at, like, 1PM available. Monday at 1PM. Yeah. Okay.\n\nSee that? Is that too early for you guys? Right? Okay. Alright.\n\nI'll send chocolate. Alright. Yeah. Exactly. Well, I'm his boss.\n\nNo. I I know I know what you mean. All good. Cool. Oh, sensational.\n\nAwesome. I'll check then. Thanks so much. We got this. Very good.\n\nYou too, mate. Sure.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.02316516637802124},{"text":"Yeah.","start":7.44,"end":7.68,"sentiment":"neutral","sentiment_score":0.0779477208852768},{"text":"I'm too shabby, mate.","start":7.68,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.05154858063906431},{"text":"How are you?","start":8.639999,"end":9.38,"sentiment":"neutral","sentiment_score":0.08016794919967651},{"text":"Yes.","start":17.915,"end":18.315,"sentiment":"neutral","sentiment_score":0.14091381430625916}],"sentiment":"neutral","sentiment_score":0.027633622661232947,"num_words":10,"start":0.0,"end":18.315},{"sentences":[{"text":"Yeah.","start":18.315,"end":18.475,"sentiment":"neutral","sentiment_score":0.1841428279876709},{"text":"That's fine.","start":18.475,"end":19.215,"sentiment":"neutral","sentiment_score":0.2549596279859543},{"text":"Smarties Sparks.","start":29.93,"end":31.07,"sentiment":"neutral","sentiment_score":0.0631958395242691},{"text":"04/15/1988.","start":31.13,"end":33.63,"sentiment":"neutral","sentiment_score":0.010111818090081217},{"text":"9 Colorado Drive, Springfield.","start":34.01,"end":35.79,"sentiment":"neutral","sentiment_score":0.012350628268904984}],"sentiment":"neutral","sentiment_score":0.08799680941738189,"num_words":10,"start":18.315,"end":35.79},{"sentences":[{"text":"Uh-huh.","start":54.969997,"end":55.469997,"sentiment":"neutral","sentiment_score":0.01748083159327507},{"text":"Here we are.","start":64.49,"end":65.39,"sentiment":"neutral","sentiment_score":0.2956414222717285},{"text":"Cool.","start":67.975,"end":68.475,"sentiment":"neutral","sentiment_score":0.20924112200737},{"text":"Okay.","start":79.655,"end":80.155,"sentiment":"neutral","sentiment_score":-0.05193570628762245},{"text":"Okay.","start":90.840004,"end":91.340004,"sentiment":"neutral","sentiment_score":-0.0759882926940918}],"sentiment":"neutral","sentiment_score":0.14081746020487376,"num_words":7,"start":54.969997,"end":91.340004},{"sentences":[{"text":"Yeah.","start":99.645,"end":99.885,"sentiment":"neutral","sentiment_score":-0.0034199394285678864},{"text":"That's yeah.","start":99.885,"end":103.745,"sentiment":"neutral","sentiment_score":-0.021930097602307796},{"text":"No.","start":106.045,"end":106.365,"sentiment":"neutral","sentiment_score":-0.09046056866645812},{"text":"We yeah.","start":106.365,"end":107.005,"sentiment":"neutral","sentiment_score":-0.11096329241991043},{"text":"We don't need to do that, I don't think.","start":107.005,"end":108.525,"sentiment":"neutral","sentiment_score":-0.16610774728986952}],"sentiment":"neutral","sentiment_score":-0.12364246758321921,"num_words":15,"start":99.645,"end":108.525},{"sentences":[{"text":"It's only been a couple of 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probably got okay.","start":487.36,"end":490.88,"sentiment":"neutral","sentiment_score":0.03593197907321155}],"sentiment":"neutral","sentiment_score":0.018657944980077446,"num_words":8,"start":372.66,"end":490.88},{"sentences":[{"text":"So I think to address first off the changes at home, I think you guys had me down.","start":490.88,"end":498.195,"sentiment":"neutral","sentiment_score":-0.10119812987330887},{"text":"I'm in so a couple of things.","start":498.815,"end":500.815,"sentiment":"neutral","sentiment_score":-0.16212144494056702},{"text":"One, I'm changing jobs.","start":500.815,"end":506.83502,"sentiment":"neutral","sentiment_score":-0.12086074613034725},{"text":"So I left the place that I was working at two weeks ago.","start":507.05502,"end":510.595,"sentiment":"neutral","sentiment_score":-0.07360824770652331},{"text":"I'm in the three week holiday, and I'm gonna start a new go on Monday next 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responsibility.","start":529.305,"end":534.765,"sentiment":"neutral","sentiment_score":-0.0995064169401303}],"sentiment":"neutral","sentiment_score":0.00805876681374179,"num_words":45,"start":518.47003,"end":534.765},{"sentences":[{"text":"So it's just I'll be someone who I see rather than managing the warehouse myself.","start":535.785,"end":540.34,"sentiment":"neutral","sentiment_score":-0.06627708052595456},{"text":"And I've I think since last time we spoke, I probably really did a bit of debt.","start":543.92,"end":548.64,"sentiment":"neutral","sentiment_score":-0.12627536934964798},{"text":"So, like, I I don't know if we spoke to that, but I'm just playing around as well in the stock market.","start":548.64,"end":554.24,"sentiment":"neutral","sentiment_score":-0.06499841843139041},{"text":"So I put, like, a $120 a week just into that S and P 500 index.","start":554.24,"end":559.595,"sentiment":"neutral","sentiment_score":0.026425709016621113},{"text":"And, you know, like, I've still got a few $100 left over at the end of the week to sort of, you know, play around with really.","start":561.735,"end":569.99,"sentiment":"neutral","sentiment_score":-0.0300998429733294}],"sentiment":"neutral","sentiment_score":-0.05114110420966886,"num_words":97,"start":535.785,"end":569.99},{"sentences":[{"text":"Probably not quite that much.","start":570.05,"end":571.49,"sentiment":"neutral","sentiment_score":-0.15525938868522643},{"text":"Maybe, yeah, maybe like a couple 100 or something at the time, you know, buy groceries and fuel and all the rest of it.","start":571.49,"end":578.37,"sentiment":"neutral","sentiment_score":0.07965039399762948},{"text":"So I'm sitting a bit better, I think, since last last last time.","start":578.37,"end":584.645,"sentiment":"neutral","sentiment_score":0.04224112486610046},{"text":"A bit more money up my sleeves, and then there'll be, you know, like, a couple of other incremental bits and pieces coming by way as well over the next few months.","start":584.865,"end":595.845,"sentiment":"neutral","sentiment_score":0.17292418936267495},{"text":"So, yeah, I'll definitely have, you know, like yeah.","start":596.865,"end":603.95996,"sentiment":"neutral","sentiment_score":0.2191409534878201}],"sentiment":"neutral","sentiment_score":0.11072638285267784,"num_words":83,"start":570.05,"end":603.95996},{"sentences":[{"text":"A bit of leftovers at the end of each week anyway.","start":603.95996,"end":606.13995,"sentiment":"neutral","sentiment_score":0.13734306733716617},{"text":"I think that's what I was yeah.","start":606.92,"end":608.37994,"sentiment":"neutral","sentiment_score":0.07087986171245575},{"text":"Not much else has changed.","start":609.8,"end":611.74,"sentiment":"neutral","sentiment_score":-0.02274792529642582},{"text":"Oh, we 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again?","start":680.56,"end":681.38,"sentiment":"neutral","sentiment_score":-0.009814686762789885}],"sentiment":"neutral","sentiment_score":0.07490313311831819,"num_words":9,"start":669.805,"end":681.38},{"sentences":[{"text":"Yeah.","start":687.2,"end":687.6,"sentiment":"neutral","sentiment_score":0.01543936599045992},{"text":"Yeah.","start":687.6,"end":687.92,"sentiment":"neutral","sentiment_score":0.019651424139738083},{"text":"So the housing situation sort of I I still have two dependents, but I look after all the bills and and rent now.","start":687.92,"end":699.375,"sentiment":"neutral","sentiment_score":0.027911176986020546},{"text":"But, yeah, I'm still sitting, you know, can still go out for dinner and and whatnot and have so many left over at the end of the week.","start":701.755,"end":708.9199,"sentiment":"neutral","sentiment_score":0.053069036453962326},{"text":"So we're doing alright.","start":709.25995,"end":710.88,"sentiment":"neutral","sentiment_score":0.11748140677809715}],"sentiment":"neutral","sentiment_score":0.04619134225670183,"num_words":57,"start":687.2,"end":710.88},{"sentences":[{"text":"Is that is that something that I do through work where I get them to pay extra super or is that something you guys organize or?","start":723.555,"end":733.655,"sentiment":"neutral","sentiment_score":0.10655973464823686},{"text":"Oh, yeah.","start":736.47003,"end":737.13,"sentiment":"neutral","sentiment_score":0.14749083667993546},{"text":"Yep.","start":740.07,"end":740.57,"sentiment":"neutral","sentiment_score":0.1123243197798729},{"text":"Oh, yep.","start":743.51,"end":744.23,"sentiment":"neutral","sentiment_score":0.06868865340948105},{"text":"Yep.","start":744.23,"end":744.39,"sentiment":"neutral","sentiment_score":0.09493286907672882}],"sentiment":"neutral","sentiment_score":0.10656778968404979,"num_words":32,"start":723.555,"end":744.39},{"sentences":[{"text":"Yep.","start":744.39,"end":744.63,"sentiment":"neutral","sentiment_score":0.08947829902172089},{"text":"Yeah.","start":744.63,"end":744.79,"sentiment":"neutral","sentiment_score":0.08219486474990845},{"text":"I think I've actually done this 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probably probably quite easily do, like, an extra 100 or something.","start":789.545,"end":793.3,"sentiment":"positive","sentiment_score":0.35258133957783383},{"text":"We got $70.75 a week.","start":794.95996,"end":796.63995,"sentiment":"neutral","sentiment_score":0.06466046199202538},{"text":"Yeah.","start":796.63995,"end":796.88,"sentiment":"neutral","sentiment_score":0.10441452264785768},{"text":"Yeah.","start":796.88,"end":797.04,"sentiment":"neutral","sentiment_score":0.10434713959693909},{"text":"Yeah.","start":797.04,"end":797.54,"sentiment":"neutral","sentiment_score":0.09814323484897614}],"sentiment":"neutral","sentiment_score":0.24305916409939526,"num_words":20,"start":789.545,"end":797.54},{"sentences":[{"text":"Yep.","start":809.115,"end":809.615,"sentiment":"neutral","sentiment_score":-0.04980454593896866},{"text":"Okay.","start":811.755,"end":812.255,"sentiment":"neutral","sentiment_score":-0.024993306025862697},{"text":"Not 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essentially?","start":875.355,"end":877.935,"sentiment":"neutral","sentiment_score":-0.03133446040252844},{"text":"Yeah.","start":886.4,"end":886.72,"sentiment":"neutral","sentiment_score":0.006482474505901337},{"text":"Yeah.","start":886.72,"end":886.96,"sentiment":"neutral","sentiment_score":0.026926301419734955},{"text":"Okay.","start":886.96,"end":887.46,"sentiment":"neutral","sentiment_score":0.03321853652596474}],"sentiment":"neutral","sentiment_score":-0.04274021733020033,"num_words":35,"start":866.81,"end":887.46},{"sentences":[{"text":"That looks good.","start":913.69995,"end":914.6,"sentiment":"neutral","sentiment_score":0.1048397347331047},{"text":"Lots of laughs here left.","start":914.98,"end":916.44,"sentiment":"positive","sentiment_score":0.391741955280304},{"text":"Yeah.","start":925.655,"end":926.155,"sentiment":"neutral","sentiment_score":-0.008760678581893444},{"text":"Yeah.","start":945.53,"end":945.85004,"sentiment":"neutral","sentiment_score":0.04145308211445808},{"text":"Okay.","start":945.85004,"end":946.35004,"sentiment":"neutral","sentiment_score":0.05257296562194824}],"sentiment":"neutral","sentiment_score":0.21440857725048607,"num_words":11,"start":913.69995,"end":946.35004},{"sentences":[{"text":"Yeah.","start":955.615,"end":955.935,"sentiment":"neutral","sentiment_score":0.03542099520564079},{"text":"Stop it.","start":955.935,"end":956.755,"sentiment":"neutral","sentiment_score":0.0710829384624958},{"text":"Go for it.","start":956.975,"end":957.875,"sentiment":"neutral","sentiment_score":0.15411086877187094},{"text":"I mean, yeah.","start":959.055,"end":960.115,"sentiment":"neutral","sentiment_score":0.11609552055597305},{"text":"You're there.","start":960.33496,"end":960.995,"sentiment":"neutral","sentiment_score":0.13885992765426636}],"sentiment":"neutral","sentiment_score":0.11508417231115428,"num_words":11,"start":955.615,"end":960.995},{"sentences":[{"text":"Yeah.","start":982.295,"end":982.795,"sentiment":"neutral","sentiment_score":0.10651709139347076},{"text":"And dramas.","start":982.855,"end":983.675,"sentiment":"neutral","sentiment_score":0.1162387877702713},{"text":"Cool.","start":984.295,"end":984.795,"sentiment":"positive","sentiment_score":0.5662034749984741},{"text":"Yeah.","start":994.935,"end":995.255,"sentiment":"neutral","sentiment_score":0.018152505159378052},{"text":"Yeah.","start":995.255,"end":995.495,"sentiment":"neutral","sentiment_score":0.021815601736307144}],"sentiment":"neutral","sentiment_score":0.15752770813802877,"num_words":6,"start":982.295,"end":995.495},{"sentences":[{"text":"So I've had two one left.","start":995.495,"end":998.08,"sentiment":"neutral","sentiment_score":0.022667693595091503},{"text":"Mhmm.","start":999.82,"end":1000.32,"sentiment":"neutral","sentiment_score":0.03925338387489319},{"text":"Yeah.","start":1008.54,"end":1008.855,"sentiment":"neutral","sentiment_score":0.07659468054771423},{"text":"Probably a a little bit later because this this other job, I'll be finishing a a bit later than so, like, I'd say, like yeah.","start":1022.8,"end":1037.145,"sentiment":"neutral","sentiment_score":0.004032337544485926},{"text":"Yeah.","start":1037.145,"end":1037.385,"sentiment":"neutral","sentiment_score":0.024151775985956192}],"sentiment":"neutral","sentiment_score":0.011082777664448847,"num_words":34,"start":995.495,"end":1037.385},{"sentences":[{"text":"Yeah.","start":1037.385,"end":1037.625,"sentiment":"neutral","sentiment_score":0.02481192722916603},{"text":"So I've had two off.","start":1037.625,"end":1038.905,"sentiment":"neutral","sentiment_score":0.022949258610606194},{"text":"So far, I've got one more left.","start":1038.905,"end":1040.425,"sentiment":"neutral","sentiment_score":0.032551520371011326},{"text":"So I start next Monday.","start":1040.425,"end":1041.805,"sentiment":"neutral","sentiment_score":0.037679224461317065},{"text":"Yeah.","start":1042.425,"end":1042.925,"sentiment":"neutral","sentiment_score":0.02162542939186096}],"sentiment":"neutral","sentiment_score":0.030391600767248554,"num_words":19,"start":1037.385,"end":1042.925},{"sentences":[{"text":"Yeah.","start":1043.865,"end":1044.185,"sentiment":"neutral","sentiment_score":0.12896619737148285},{"text":"So just I don't know if you have some questions at, like, 1PM available.","start":1044.185,"end":1049.245,"sentiment":"neutral","sentiment_score":0.09764353611639567},{"text":"Monday at 1PM.","start":1049.96,"end":1051.1,"sentiment":"neutral","sentiment_score":0.05152003467082977},{"text":"Yeah.","start":1057.56,"end":1057.8,"sentiment":"neutral","sentiment_score":0.022328142076730728},{"text":"Okay.","start":1057.8,"end":1058.3,"sentiment":"neutral","sentiment_score":0.016914399340748787}],"sentiment":"neutral","sentiment_score":0.08448891742154956,"num_words":20,"start":1043.865,"end":1058.3},{"sentences":[{"text":"See that?","start":1058.92,"end":1059.56,"sentiment":"neutral","sentiment_score":0.002337682992219925},{"text":"Is that too early for you guys?","start":1059.56,"end":1061.0,"sentiment":"neutral","sentiment_score":0.008410731596606118},{"text":"Right?","start":1061.0,"end":1061.5,"sentiment":"neutral","sentiment_score":0.015229789540171623},{"text":"Okay.","start":1065.7649,"end":1066.2649,"sentiment":"neutral","sentiment_score":-0.05797724425792694},{"text":"Alright.","start":1066.485,"end":1066.985,"sentiment":"neutral","sentiment_score":0.014008590951561928}],"sentiment":"neutral","sentiment_score":0.002900968616207441,"num_words":12,"start":1058.92,"end":1066.985},{"sentences":[{"text":"I'll send chocolate.","start":1067.0449,"end":1068.105,"sentiment":"neutral","sentiment_score":0.05837568392356237},{"text":"Alright.","start":1068.485,"end":1068.985,"sentiment":"neutral","sentiment_score":0.07863812893629074},{"text":"Yeah.","start":1070.845,"end":1071.345,"sentiment":"neutral","sentiment_score":-0.013996303081512451},{"text":"Exactly.","start":1073.205,"end":1073.705,"sentiment":"neutral","sentiment_score":-0.059877678751945496},{"text":"Well, I'm his boss.","start":1075.365,"end":1076.585,"sentiment":"neutral","sentiment_score":-0.2739178016781807}],"sentiment":"neutral","sentiment_score":-0.09157800078392028,"num_words":10,"start":1067.0449,"end":1076.585},{"sentences":[{"text":"No.","start":1076.885,"end":1077.205,"sentiment":"neutral","sentiment_score":-0.2290378212928772},{"text":"I I know I know what you mean.","start":1077.205,"end":1078.56,"sentiment":"neutral","sentiment_score":-0.22363216988742352},{"text":"All good.","start":1080.9601,"end":1081.6201,"sentiment":"positive","sentiment_score":0.4095122814178467},{"text":"Cool.","start":1088.2401,"end":1088.7401,"sentiment":"positive","sentiment_score":0.3657895922660827},{"text":"Oh, sensational.","start":1090.9601,"end":1091.78,"sentiment":"positive","sentiment_score":0.7189889550209045}],"sentiment":"neutral","sentiment_score":0.043192634625094276,"num_words":14,"start":1076.885,"end":1091.78},{"sentences":[{"text":"Awesome.","start":1092.0,"end":1092.5,"sentiment":"positive","sentiment_score":0.8583065271377563},{"text":"I'll check then.","start":1093.3151,"end":1094.135,"sentiment":"positive","sentiment_score":0.5989534854888916},{"text":"Thanks so much.","start":1095.235,"end":1096.2151,"sentiment":"positive","sentiment_score":0.7417153716087341},{"text":"We got this.","start":1096.355,"end":1097.255,"sentiment":"positive","sentiment_score":0.5585914452870687},{"text":"Very good.","start":1098.1951,"end":1099.015,"sentiment":"positive","sentiment_score":0.6492413282394409}],"sentiment":"positive","sentiment_score":0.6545475075642267,"num_words":12,"start":1092.0,"end":1099.015},{"sentences":[{"text":"You too, mate.","start":1099.7151,"end":1100.615,"sentiment":"positive","sentiment_score":0.5012733141581217},{"text":"Sure.","start":1100.675,"end":1101.175,"sentiment":"neutral","sentiment_score":0.3178669214248657}],"sentiment":"positive","sentiment_score":0.45542171597480774,"num_words":4,"start":1099.7151,"end":1101.175}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Sam. Larissa, Oakview Financial. How are you going?\n\nChannel 1: Yeah. I'm too shabby, mate. How are you?\n\nChannel 0: Yeah. Good. Thank you. I was just giving you a call to touch base and have a quick conversation. Was now still a good time?\n\nChannel 1: Yes. Yeah. That's fine.\n\nChannel 0: Yeah. Cool. Perfect. Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just full name, date of birth, and\n\nChannel 1: Smarties Sparks. 04/15/1988. 9 Colorado Drive, Springfield.\n\nChannel 0: address. Perfect. Thank you for that one. So you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund.\n\nChannel 1: Uh-huh.\n\nChannel 0: And I undertook a bit of a review, and then we haven't been able to connect again, unfortunately. So it's good\n\nChannel 1: Here\n\nChannel 0: that\n\nChannel 1: we\n\nChannel 0: we've\n\nChannel 1: are.\n\nChannel 0: been here. We're here today, which is good.\n\nChannel 1: Cool.\n\nChannel 0: Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and review\n\nChannel 1: Okay.\n\nChannel 0: When I was unable to to get you on the phone, we we had a scheduled booking at the end of July, and I I sent the documents to you ahead of our meeting, and then we we obviously didn't connect.\n\nChannel 1: Okay.\n\nChannel 0: Those documents are expired, but rather than me having, I guess, gone through and reupdated them, I\n\nChannel 1: Yeah.\n\nChannel 0: wanted\n\nChannel 1: That's\n\nChannel 0: to, I guess, have have a bit of a conversation first before\n\nChannel 1: yeah.\n\nChannel 0: we I went through it and put the time\n\nChannel 1: No.\n\nChannel 0: in\n\nChannel 1: We\n\nChannel 0: again.\n\nChannel 1: yeah. We don't need to do that, I don't think. It's only been a couple of months.\n\nChannel 0: So, I guess, first and foremost, what I, I guess, want to establish is whether anything in your world has changed at all and whether, you know, your your circumstances are still the same. So all of the details I originally had on file were, like, you're an admin store, man manager, quality control, $100,000 a year in terms of income, defacto relationship, two dependents. You were looking you're, at the time, saving roughly $50 a week\n\nChannel 1: Mhmm.\n\nChannel 0: from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward. Ring bells?\n\nChannel 1: Mhmm. Yeah. Yeah. No. Yeah.\n\nI remember that.\n\nChannel 0: Cool. So I undertook a look at at your investments, and there was changes that I just wanna make underlying anyway.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: There's a few of the investments that just weren't quite hitting great for me, Specifically, one of them being Benelon, which is an Australian equity fund. A, it was a little bit more expensive on the front end from an investment cost perspective. And then secondarily, the actual investment just wasn't quite pulling where I wanted it to. So the the the fund is what's called a high conviction fund. So, basically,\n\nChannel 1: Mhmm.\n\nChannel 0: they invest in the long term and stand behind their their investments assets.\n\nChannel 1: Mhmm.\n\nChannel 0: And the main issue that I had was that they just weren't coming up to the changes in the economic climate, and coming, you know, coming to the the changes that are all happening.\n\nChannel 1: Okay.\n\nChannel 0: So losses are being felt in that fund, and I just don't wanna stick with them long term. One of the other main changes is that banking hybrids are, as a whole, being phased out legislatively. So rather than hold on to banking hybrids until they do actually phase out, which they're not phasing out for another sort of four years, but rather than hold on to them until they do phase out, I'd rather get a bit ahead of the curve. So that way, we don't feel any of the losses as people start selling out of those assets,\n\nChannel 1: Yep.\n\nChannel 0: and we can, you know, solidify what we've made within that asset and move on to something else that's gonna benefit us long term.\n\nChannel 1: Okay.\n\nChannel 0: So I had a look at sort of, like, as an underlying the underlying assets, looked at from a perspective of was there some of the assets that you hold overall that I could shift have, you know, something similar that was gonna have better performance and was cheaper underlying as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And then I obviously did a comparison between where you're invested now, which is which was more that growth eighty twenty kind of split\n\nChannel 1: Yeah.\n\nChannel 0: to looking at a more high growth alternative as well, so sort of between those two comparisons to try and establish whether we we could move between the two. Because, obviously, as we sort of talked about, there's no point jumping into a more aggressive position unless\n\nChannel 1: Mhmm.\n\nChannel 0: you need to\n\nChannel 1: Mhmm.\n\nChannel 0: and and wanted to sort of look at that side of things. Now, ultimately speaking, I looked at the, like, the growth perspective versus the high growth. So 8020 versus, like, a 9010, like for like. So, you know, if you weren't to change any of, you know, any of the contributions you're making, like, putting in or anything like that, And, obviously speaking, high growth is going to come out with a better outcome in ten years to the degree of about a $140.\n\nChannel 1: Okay.\n\nChannel 0: And that's just based on the compounding returns that happen within the account. Now\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: speaking in terms of risk outcomes, what it basically comes to is, are there other alternatives that we can look at that would enable you to potentially not have to take on, like, a higher risk? Or is it something that you're comfortable with? And I know we did we did talk about it, and you were pretty comfortable taking on the additional risk anyway. But ultimately speaking, I guess there's two avenues that we can go down. Is we we go to the, like, 9010 sort of split, which, age wise, makes perfect sense cyclical.\n\nLike, with investment markets, they're cyclical. And realistically, you know, in a high growth investment, we're gonna see sort of one down every five years. So\n\nChannel 1: Mhmm.\n\nChannel 0: within a five year market movement, we're gonna have one negative year. Now moving into a high growth means that, you know, we're gonna have that little bit more volatility up and down. But hold holding it does give us that better better long term outcome. Now the other alternative is is that we look at putting more money into the fund. However, we're looking at sort of $50 a week that you have in, I guess, additional cash flow.\n\nAnd one of the things we didn't really discuss when we did speak earlier in the year was whether you had a plan for that additional cash flow that you had otherwise, I guess, earmarked that money for or whether it was just that sort of what you sort of save and it gets used as discretionary funds. So, you know, you'll then go and go out to dinner and sort of spend it that way or\n\nChannel 1: Yeah. I've probably got okay. So I think to address first off the changes at home,\n\nChannel 0: Yep.\n\nChannel 1: I think you guys had me down. I'm in so a couple of things. One, I'm changing jobs. So I left\n\nChannel 0: Mhmm.\n\nChannel 1: the\n\nChannel 0: Okay.\n\nChannel 1: place that I was working at two weeks ago. I'm in the three\n\nChannel 0: Yep.\n\nChannel 1: week holiday, and I'm gonna start a new go on Monday next Monday.\n\nChannel 0: Yep.\n\nChannel 1: It's I'm starting off at the same rate. So starting a 105, and in three months, I'll have a pay review.\n\nChannel 0: Yep.\n\nChannel 1: Similar sort of thing. I'm still in there. Same industry, except I'm actually\n\nChannel 0: Yep.\n\nChannel 1: taking a bit of a step down in terms of responsibility. So it's just I'll be someone who I see rather than managing the warehouse myself.\n\nChannel 0: Yeah.\n\nChannel 1: And I've I think since last time we spoke, I probably really did a bit of debt. So, like, I I don't know if we spoke to that, but I'm just playing around as well in the stock market. So I put, like, a $120 a week just into that S and P 500 index.\n\nChannel 0: Mhmm.\n\nChannel 1: And, you know, like, I've still got a few $100 left over at the end of the week to sort of, you know, play around with really. Probably not quite that much. Maybe, yeah, maybe like a couple 100 or something at the time,\n\nChannel 0: Yep.\n\nChannel 1: you know, buy groceries and fuel and all the rest of it. So I'm sitting a bit better, I think,\n\nChannel 0: Yeah.\n\nChannel 1: since last last last time. A bit more money\n\nChannel 0: Yeah.\n\nChannel 1: up my sleeves, and then there'll be, you know, like, a couple of other incremental bits and pieces coming by way as well over the next few months. So, yeah, I'll definitely have, you know, like yeah. A bit of leftovers at the end of each week anyway. I think\n\nChannel 0: Okay.\n\nChannel 1: that's what I was yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Not\n\nChannel 0: We thought\n\nChannel 1: much\n\nChannel 0: we\n\nChannel 1: else\n\nChannel 0: we talked\n\nChannel 1: has\n\nChannel 0: we\n\nChannel 1: changed.\n\nChannel 0: talked about you having we talked about you having the, like, trading 212 account.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: we did.\n\nChannel 0: I'm assuming\n\nChannel 1: Yeah. Okay.\n\nChannel 0: yeah. Yeah. I think you had about three and a half. Well, yeah, you had about three and a half when we spoke.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: I'm assuming that's increased a bit.\n\nChannel 1: Yeah. I think it's up around eight now.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Perfect. And debt wise, do we have any or, like, we've paid everything off?\n\nChannel 1: Yeah. Everything's yeah. I'm oh, I've still got the the couch. I pay that, like, what's that? Yeah.\n\nI think it's, like, $15 a week or it might be, like, $50 a month or something like that\n\nChannel 0: Okay.\n\nChannel 1: for the couch,\n\nChannel 0: Yep.\n\nChannel 1: and I there's probably, like, another I don't know. I'm just gonna take a gander at about a year left on that or something, probably.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah. But\n\nChannel 0: Not too\n\nChannel 1: it's\n\nChannel 0: too\n\nChannel 1: it's\n\nChannel 0: much left.\n\nChannel 1: it's bugger all. Yeah. But I\n\nChannel 0: Is\n\nChannel 1: look\n\nChannel 0: that\n\nChannel 1: after\n\nChannel 0: like\n\nChannel 1: all\n\nChannel 0: a interest\n\nChannel 1: of it.\n\nChannel 0: free\n\nChannel 1: Pay?\n\nChannel 0: loan?\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: It's one\n\nChannel 0: that, like,\n\nChannel 1: of\n\nChannel 0: an\n\nChannel 1: those\n\nChannel 0: interest\n\nChannel 1: interest free. Yeah. Go Mastercard things.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Cool. And then sorry. Your income, I guess, looks after, like, household expenses. Is that what you were getting sort of going?\n\nChannel 1: Sorry. Say that again?\n\nChannel 0: Does your were you about to say that your income looks after the household expenses?\n\nChannel 1: Yeah. Yeah. So the housing situation sort of I I still have two dependents,\n\nChannel 0: Yeah.\n\nChannel 1: but I look after all the bills and and rent now. But, yeah, I'm still sitting, you know, can still go out for dinner and and whatnot and have so many left over at the end of the week. So we're doing alright.\n\nChannel 0: Yeah. Okay. Cool. Do you so do you wanna look at putting money in? Because tax effectively, we can reduce the marginal tax rate you're paying and sort of look at avenues\n\nChannel 1: Is that\n\nChannel 0: that way.\n\nChannel 1: is that something that I do through work where I get them\n\nChannel 0: Yeah.\n\nChannel 1: to pay extra super or is that something\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: We\n\nChannel 1: guys\n\nChannel 0: would\n\nChannel 1: organize or?\n\nChannel 0: we we draft a letter up for you and\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: you'd send it to work. And it's something that\n\nChannel 1: Yep.\n\nChannel 0: they just need to set up in their back end, like,\n\nChannel 1: Oh,\n\nChannel 0: accounting\n\nChannel 1: yep.\n\nChannel 0: system.\n\nChannel 1: Yep. Yep. Yeah.\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: say\n\nChannel 1: think\n\nChannel 0: the\n\nChannel 1: I've\n\nChannel 0: same\n\nChannel 1: actually\n\nChannel 0: way\n\nChannel 1: done\n\nChannel 0: as when\n\nChannel 1: this before.\n\nChannel 0: they make,\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Same way as they'd make, like, standard contributions. It's just they have to nominate in, like, an additional amount.\n\nChannel 1: Yeah.\n\nChannel 0: But I can sort of do calculations math on how much to put in and what that outcome would be and what that does for your tax\n\nChannel 1: Yeah. Okay.\n\nChannel 0: as well. If you pay less marginal tax rate, but you'd obviously pay a little bit more in your super fund, So there's\n\nChannel 1: Yeah.\n\nChannel 0: generally\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a sweet spot to make sure that we're not overpaying tax and it's still working.\n\nChannel 1: Okay.\n\nChannel 0: But how much would we be happy to, I guess, allocate to that venture?\n\nChannel 1: And probably probably quite easily do, like, an extra 100 or something. We\n\nChannel 0: A\n\nChannel 1: got\n\nChannel 0: week?\n\nChannel 1: $70.75 a week. Yeah. Yeah. Yeah.\n\nChannel 0: Okay. Alright. I'll have a look at it and see where that lands. Because seventy five week gross is not the same as 70 sorry. 75 net, which is what you have in your hand,\n\nChannel 1: Yep.\n\nChannel 0: is, like, obviously, a different amount of gross. So\n\nChannel 1: Okay.\n\nChannel 0: it comes out of your gross income, not your net income because\n\nChannel 1: Not\n\nChannel 0: you\n\nChannel 1: net.\n\nChannel 0: don't get yeah. Yeah. So I can back calculate, have a look at how it affects your\n\nChannel 1: What that would be.\n\nChannel 0: personal\n\nChannel 1: Yeah. And\n\nChannel 0: income. Yeah. And play with it from that side.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: And then, I guess, in terms of, like, the the high growth allocation, are you still happy to go ahead with it? Like, do you want me to email you the I guess, again, the statement of advice is nonvalid anymore because it is\n\nChannel 1: Yeah.\n\nChannel 0: out of date.\n\nChannel 1: Okay.\n\nChannel 0: You can still have a read over it, and I will obviously have a look and reupdate strategies and stuff like that. But\n\nChannel 1: Mhmm.\n\nChannel 0: I can email it to you, and we can and I can well, I'll see if I can twist my power planer's arm to try and get it out by end of week, but think I might be pushing my luck with how much I put on his table\n\nChannel 1: So\n\nChannel 0: the last couple of\n\nChannel 1: so\n\nChannel 0: days.\n\nChannel 1: the the the crux of this, are we just deciding, like, whether or not we wanna get more aggressive, stay where we are, or be more conservative? Is that\n\nChannel 0: Essentially, so to stay\n\nChannel 1: essentially?\n\nChannel 0: where we are, I I wouldn't move more conservatively, to be completely honest. It would either be hold that eighty twenty or move into a slightly more aggressive position\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: and go from there. Realistically speaking, I'm probably leaning more towards a more aggressive position at least for the next sort of five to seven years because that's gonna give us a better overall perspective come retirement. Obviously, we're still quite a while away from retirement. It sounds sad when we put it that way, but we we still have a bit of time\n\nChannel 1: That looks\n\nChannel 0: left.\n\nChannel 1: good. Lots of laughs here left.\n\nChannel 0: So we we, you know, we we don't wanna be going too conservative too quickly. We we wanna make sure we we're we're actually\n\nChannel 1: Yeah.\n\nChannel 0: sort of riding the market properly. And, you know, some 40, we've got heaps of time. It wouldn't be until we're sort of maybe ten years to retirement that we'd I'd I'd wanna start maybe tailoring down on that a little bit and probably maybe pop back down to that $80.20. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: So I'd be leaning more towards the high growth personally, but it's obviously, that's come down to your profit level as well.\n\nChannel 1: Yeah. Stop it. Go for it.\n\nChannel 0: Okay.\n\nChannel 1: I mean, yeah. You're there.\n\nChannel 0: Fair fair enough. Cool. I'll I'll have a play around with the numbers, $75 as extra contributions. I'll redo up docs based on updated figures, all the rest of the the fun stuff, and I will get them back out to you,\n\nChannel 1: Yeah. And dramas. Cool.\n\nChannel 0: and then we can go from there and get them implemented. Let's say as a tentative you said you're three weeks off work, aren't you?\n\nChannel 1: Yeah. Yeah. So I've had two one left.\n\nChannel 0: Okay. So\n\nChannel 1: Mhmm.\n\nChannel 0: if I say Thursday, the tenth, which would be next Thursday,\n\nChannel 1: Yeah.\n\nChannel 0: that way I'm not breaking my power plan as hard and pushing him too hard. And let's go say, like, 10:00 in the morning, if that's okay with you.\n\nChannel 1: Probably a a little bit later because this this other job, I'll be finishing a a bit later than so, like,\n\nChannel 0: This is\n\nChannel 1: I'd say,\n\nChannel 0: oh,\n\nChannel 1: like\n\nChannel 0: this is your this is your last week off.\n\nChannel 1: yeah. Yeah. Yeah. So I've had two off. So far,\n\nChannel 0: Right.\n\nChannel 1: I've got one more left.\n\nChannel 0: Yep.\n\nChannel 1: So I\n\nChannel 0: And\n\nChannel 1: start\n\nChannel 0: this\n\nChannel 1: next\n\nChannel 0: is the\n\nChannel 1: Monday.\n\nChannel 0: last yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Understood.\n\nChannel 1: Yeah. So\n\nChannel 0: Cool.\n\nChannel 1: just I don't know if you have some questions at, like, 1PM available. Monday at 1PM.\n\nChannel 0: I can even do you something solid, and I could do 5PM on Tuesday.\n\nChannel 1: Yeah. Okay. See that? Is that too early\n\nChannel 0: Cool.\n\nChannel 1: for you guys? Right?\n\nChannel 0: Five p no. It's okay. I'll just break friendships.\n\nChannel 1: Okay.\n\nChannel 0: No. It's\n\nChannel 1: Alright.\n\nChannel 0: okay. I'll\n\nChannel 1: I'll send\n\nChannel 0: I'll make\n\nChannel 1: chocolate.\n\nChannel 0: it\n\nChannel 1: Alright.\n\nChannel 0: work. Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: I gotta crack the whip every now and again.\n\nChannel 1: Exactly.\n\nChannel 0: No.\n\nChannel 1: Well, I'm\n\nChannel 0: No.\n\nChannel 1: his\n\nChannel 0: I'll\n\nChannel 1: boss. No.\n\nChannel 0: yeah.\n\nChannel 1: I I know\n\nChannel 0: No.\n\nChannel 1: I know what you mean.\n\nChannel 0: I'll get it out. Cool. Alright.\n\nChannel 1: All good.\n\nChannel 0: Well, I'll book that in for Tuesday at 5PM. I'll add you to the calendar invite so that way you get a notification to remind you,\n\nChannel 1: Cool.\n\nChannel 0: and I'll get it turned around and done then.\n\nChannel 1: Oh, sensational. Awesome.\n\nChannel 0: Amazing.\n\nChannel 1: I'll check then.\n\nChannel 0: Perfect. Yes. We\n\nChannel 1: Thanks\n\nChannel 0: will.\n\nChannel 1: so much. We got this.\n\nChannel 0: No. No stress,\n\nChannel 1: Very\n\nChannel 0: ma'am.\n\nChannel 1: good.\n\nChannel 0: Have a good one.\n\nChannel 1: You too, mate. Sure.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.02316516637802124}],"sentiment":"neutral","sentiment_score":0.02316516637802124,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hi, Sam.","start":3.76,"end":4.88,"sentiment":"neutral","sentiment_score":0.11989191174507141},{"text":"Larissa, Oakview Financial.","start":4.88,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.12078781425952911},{"text":"How are you going?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.17297468706965446}],"sentiment":"neutral","sentiment_score":0.14378289050526089,"channel":0,"num_words":9,"start":3.76,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.68,"sentiment":"neutral","sentiment_score":0.0779477208852768},{"text":"I'm too shabby, mate.","start":7.68,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.05154858063906431},{"text":"How are you?","start":8.639999,"end":9.38,"sentiment":"neutral","sentiment_score":0.08016794919967651}],"sentiment":"neutral","sentiment_score":0.014032155741006138,"channel":1,"num_words":8,"start":7.44,"end":9.38},{"sentences":[{"text":"Yeah.","start":9.5199995,"end":10.0,"sentiment":"neutral","sentiment_score":0.2131151705980301},{"text":"Good.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.5169936418533325},{"text":"Thank you.","start":10.48,"end":11.3,"sentiment":"positive","sentiment_score":0.6294334232807159},{"text":"I was just giving you a call to touch base and have a quick conversation.","start":12.195,"end":15.735,"sentiment":"positive","sentiment_score":0.35729519128799436},{"text":"Was now still a good time?","start":15.795,"end":17.255,"sentiment":"neutral","sentiment_score":0.23550243924061456}],"sentiment":"positive","sentiment_score":0.3504567265510559,"channel":0,"num_words":25,"start":9.5199995,"end":17.255},{"sentences":[{"text":"Yes.","start":17.915,"end":18.315,"sentiment":"neutral","sentiment_score":0.14091381430625916},{"text":"Yeah.","start":18.315,"end":18.475,"sentiment":"neutral","sentiment_score":0.1841428279876709},{"text":"That's fine.","start":18.475,"end":19.215,"sentiment":"neutral","sentiment_score":0.2549596279859543}],"sentiment":"neutral","sentiment_score":0.20874397456645966,"channel":1,"num_words":4,"start":17.915,"end":19.215},{"sentences":[{"text":"Yeah.","start":18.914999,"end":19.414999,"sentiment":"neutral","sentiment_score":0.3129490315914154},{"text":"Cool.","start":19.555,"end":19.875,"sentiment":"positive","sentiment_score":0.499822735786438},{"text":"Perfect.","start":19.875,"end":20.375,"sentiment":"positive","sentiment_score":0.4598489999771118},{"text":"Before I jump into it, I do need to let you know that our calls are recorded.","start":20.755,"end":23.654999,"sentiment":"neutral","sentiment_score":0.09331458105760462},{"text":"And if I could just get you confirmed security for me, it's just full name, date of birth, and","start":23.794998,"end":27.93,"sentiment":"neutral","sentiment_score":0.09532305911967628}],"sentiment":"neutral","sentiment_score":0.11974632740020752,"channel":0,"num_words":39,"start":18.914999,"end":27.93},{"sentences":[{"text":"Smarties Sparks.","start":29.93,"end":31.07,"sentiment":"neutral","sentiment_score":0.0631958395242691},{"text":"04/15/1988.","start":31.13,"end":33.63,"sentiment":"neutral","sentiment_score":0.010111818090081217},{"text":"9 Colorado Drive, Springfield.","start":34.01,"end":35.79,"sentiment":"neutral","sentiment_score":0.012350628268904984}],"sentiment":"neutral","sentiment_score":0.026558001459177052,"channel":1,"num_words":7,"start":29.93,"end":35.79},{"sentences":[{"text":"address.","start":36.57,"end":37.07,"sentiment":"neutral","sentiment_score":0.025984197854995728},{"text":"Perfect.","start":37.690002,"end":38.190002,"sentiment":"positive","sentiment_score":0.40796422958374023},{"text":"Thank you for that one.","start":38.25,"end":39.55,"sentiment":"positive","sentiment_score":0.5442052721977234},{"text":"So you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund.","start":40.489998,"end":54.594997,"sentiment":"neutral","sentiment_score":0.1489141654709111}],"sentiment":"neutral","sentiment_score":0.2193333531419436,"channel":0,"num_words":30,"start":36.57,"end":54.594997},{"sentences":[{"text":"Uh-huh.","start":54.969997,"end":55.469997,"sentiment":"neutral","sentiment_score":0.01748083159327507}],"sentiment":"neutral","sentiment_score":0.01748083159327507,"channel":1,"num_words":1,"start":54.969997,"end":55.469997},{"sentences":[{"text":"And I undertook a bit of a review, and then we haven't been able to connect again, unfortunately.","start":55.399998,"end":61.899998,"sentiment":"neutral","sentiment_score":-0.029335884273880057},{"text":"So it's 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here.","start":65.0,"end":65.72,"sentiment":"neutral","sentiment_score":0.24936982244253159},{"text":"We're here today, which is good.","start":65.72,"end":67.58,"sentiment":"positive","sentiment_score":0.45935384432474774}],"sentiment":"positive","sentiment_score":0.4068578388541937,"channel":0,"num_words":8,"start":65.0,"end":67.58},{"sentences":[{"text":"Cool.","start":67.975,"end":68.475,"sentiment":"neutral","sentiment_score":0.20924112200737}],"sentiment":"neutral","sentiment_score":0.20924112200737,"channel":1,"num_words":1,"start":67.975,"end":68.475},{"sentences":[{"text":"Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and 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connect.","start":81.29,"end":90.590004,"sentiment":"neutral","sentiment_score":-0.12923378824460796}],"sentiment":"neutral","sentiment_score":-0.12923378824460796,"channel":0,"num_words":41,"start":81.29,"end":90.590004},{"sentences":[{"text":"Okay.","start":90.840004,"end":91.340004,"sentiment":"neutral","sentiment_score":-0.0759882926940918}],"sentiment":"neutral","sentiment_score":-0.0759882926940918,"channel":1,"num_words":1,"start":90.840004,"end":91.340004},{"sentences":[{"text":"Those documents are expired, but rather than me having, I guess, gone through and reupdated them, 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have a bit of a conversation first before","start":100.01501,"end":103.395004,"sentiment":"neutral","sentiment_score":-0.019672724263121683}],"sentiment":"neutral","sentiment_score":-0.019672724263121683,"channel":0,"num_words":12,"start":100.01501,"end":103.395004},{"sentences":[{"text":"yeah.","start":103.245,"end":103.745,"sentiment":"neutral","sentiment_score":-0.02355443686246872}],"sentiment":"neutral","sentiment_score":-0.02355443686246872,"channel":1,"num_words":1,"start":103.245,"end":103.745},{"sentences":[{"text":"we I went through it and put the 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don't need to do that, I don't think.","start":107.005,"end":108.525,"sentiment":"neutral","sentiment_score":-0.16610774728986952},{"text":"It's only been a couple of months.","start":108.525,"end":110.145004,"sentiment":"neutral","sentiment_score":-0.09728752395936421}],"sentiment":"neutral","sentiment_score":-0.1342854679507368,"channel":1,"num_words":17,"start":106.765,"end":110.145004},{"sentences":[{"text":"So, I guess, first and foremost, what I, I guess, want to establish is whether anything in your world has changed at all and whether, you know, your your circumstances are still the same.","start":111.37,"end":127.955,"sentiment":"neutral","sentiment_score":-0.0694593339062789},{"text":"So all of the details I originally had on file were, like, you're an admin store, man manager, quality control, $100,000 a year in terms of income, defacto relationship, two dependents.","start":128.255,"end":143.73001,"sentiment":"neutral","sentiment_score":0.10193196227473597},{"text":"You were looking you're, at the time, saving roughly $50 a week","start":143.87001,"end":147.41,"sentiment":"neutral","sentiment_score":0.22370734935005507}],"sentiment":"neutral","sentiment_score":0.0452306710377142,"channel":0,"num_words":77,"start":111.37,"end":147.41},{"sentences":[{"text":"Mhmm.","start":147.81999,"end":148.31999,"sentiment":"neutral","sentiment_score":0.1875300109386444}],"sentiment":"neutral","sentiment_score":0.1875300109386444,"channel":1,"num_words":1,"start":147.81999,"end":148.31999},{"sentences":[{"text":"from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward.","start":148.75,"end":173.16,"sentiment":"neutral","sentiment_score":0.19659008933048622},{"text":"Ring 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for another sort of four years, but rather than hold on to them until they do phase out, I'd rather get a bit ahead of the curve.","start":251.645,"end":265.77002,"sentiment":"neutral","sentiment_score":-0.0633030440253408},{"text":"So that way, we don't feel any of the losses as people start selling out of those assets,","start":265.83002,"end":270.33002,"sentiment":"neutral","sentiment_score":0.11416898916165034}],"sentiment":"neutral","sentiment_score":-0.11750205161049962,"channel":0,"num_words":100,"start":238.04,"end":270.33002},{"sentences":[{"text":"Yep.","start":270.85498,"end":271.35498,"sentiment":"positive","sentiment_score":0.5977877974510193}],"sentiment":"positive","sentiment_score":0.5977877974510193,"channel":1,"num_words":1,"start":270.85498,"end":271.35498},{"sentences":[{"text":"and we can, you know, solidify what we've made within that asset and move on to something else that's gonna benefit us long 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you,","start":1084.91,"end":1088.37,"sentiment":"neutral","sentiment_score":0.26917549091226917}],"sentiment":"neutral","sentiment_score":0.23393434486710107,"channel":0,"num_words":26,"start":1081.15,"end":1088.37},{"sentences":[{"text":"Cool.","start":1088.2401,"end":1088.7401,"sentiment":"positive","sentiment_score":0.3657895922660827}],"sentiment":"positive","sentiment_score":0.3657895922660827,"channel":1,"num_words":1,"start":1088.2401,"end":1088.7401},{"sentences":[{"text":"and I'll get it turned around and done then.","start":1088.43,"end":1091.0901,"sentiment":"neutral","sentiment_score":0.2782622211509281}],"sentiment":"neutral","sentiment_score":0.2782622211509281,"channel":0,"num_words":9,"start":1088.43,"end":1091.0901},{"sentences":[{"text":"Oh, sensational.","start":1090.9601,"end":1091.78,"sentiment":"positive","sentiment_score":0.7189889550209045},{"text":"Awesome.","start":1092.0,"end":1092.5,"sentiment":"positive","sentiment_score":0.8583065271377563}],"sentiment":"positive","sentiment_score":0.7654281457265218,"channel":1,"num_words":3,"start":1090.9601,"end":1092.5},{"sentences":[{"text":"Amazing.","start":1093.15,"end":1093.65,"sentiment":"positive","sentiment_score":0.8362758755683899}],"sentiment":"positive","sentiment_score":0.8362758755683899,"channel":0,"num_words":1,"start":1093.15,"end":1093.65},{"sentences":[{"text":"I'll check 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They discuss changes to their banking strategy and the phasing out of hybrid programs. The speaker emphasizes the importance of considering risk outcomes and mentions a plan to invest more in a fund. They also discuss their financial situation and income, including their debt, income, and expenses, and their retirement plans. The customer leanes towards a more aggressive position for the next five to seven years and plans to book an appointment."},"intents":{"segments":[{"text":"I was just giving you a call to touch base and have a quick conversation. Was now still a good time? Yes. Yeah.","start_word":22,"end_word":44,"intents":[{"intent":"Schedule conversation","confidence_score":0.013092137}]},{"text":"Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just full name, date of birth, and Smarties Sparks. 04/15/1988.","start_word":50,"end_word":88,"intents":[{"intent":"Confirm security","confidence_score":0.11406322}]},{"text":"So you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund. Uh-huh.","start_word":100,"end_word":123,"intents":[{"intent":"Discuss portfolio","confidence_score":0.6618152}]},{"text":"Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and review Okay.","start_word":159,"end_word":180,"intents":[{"intent":"Send documents","confidence_score":0.02727999}]},{"text":"from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward. Ring bells?","start_word":364,"end_word":416,"intents":[{"intent":"Discuss investment strategy","confidence_score":0.003914215}]},{"text":"speaking in terms of risk outcomes, what it basically comes to is, are there other alternatives that we can look at that would enable you to potentially not have to take on, like, a higher risk? Or is it something that you're comfortable with? And I know we did we did talk about it, and you were pretty comfortable taking on the additional risk anyway.","start_word":928,"end_word":992,"intents":[{"intent":"Address risk","confidence_score":0.0043492313}]},{"text":"Now the other alternative is is that we look at putting more money into the fund. However, we're looking at sort of $50 a week that you have in, I guess, additional cash flow.","start_word":1097,"end_word":1130,"intents":[{"intent":"Address financial concerns","confidence_score":0.067702234}]},{"text":"I pay that, like, what's that? Yeah. I think it's, like, $15 a week or it might be, like, $50 a month or something like that Okay.","start_word":1631,"end_word":1657,"intents":[{"intent":"Pay bills","confidence_score":0.04333507}]},{"text":"I'm just gonna take a gander at about a year left on that or something, probably. Yep.","start_word":1670,"end_word":1686,"intents":[{"intent":"Take a gander at finances","confidence_score":0.00004129972}]},{"text":"Your income, I guess, looks after, like, household expenses. Is that what you were getting sort of going? Sorry.","start_word":1739,"end_word":1757,"intents":[{"intent":"Look after income","confidence_score":0.13767906}]},{"text":"Do you so do you wanna look at putting money in? Because tax effectively, we can reduce the marginal tax rate you're paying and sort of look at avenues Is that that way.","start_word":1837,"end_word":1869,"intents":[{"intent":"Put money in","confidence_score":0.046323117}]},{"text":"they just need to set up in their back end, like, Oh, accounting yep. system. Yep.","start_word":1920,"end_word":1935,"intents":[{"intent":"Set up accounting system","confidence_score":0.52597123}]},{"text":"But I can sort of do calculations math on how much to put in and what that outcome would be and what that does for your tax Yeah.","start_word":1976,"end_word":2003,"intents":[{"intent":"Calculate tax consequences","confidence_score":0.00012645245}]},{"text":"I can email it to you, and we can and I can well, I'll see if I can twist my power planer's arm to try and get it out by end of week, but think I might be pushing my luck with how much I put on his table So the last couple of so days.","start_word":2256,"end_word":2311,"intents":[{"intent":"Plan for retirement","confidence_score":0.0014288718}]},{"text":"the the the crux of this, are we just deciding, like, whether or not we wanna get more aggressive, stay where we are, or be more conservative?","start_word":2311,"end_word":2337,"intents":[{"intent":"Decide strategy","confidence_score":0.007095834}]},{"text":"the the the crux of this, are we just deciding, like, whether or not we wanna get more aggressive, stay where we are, or be more conservative? Is that Essentially, so to stay essentially? where we are, I I wouldn't move more conservatively, to be completely honest. It would either be hold that eighty twenty or move into a slightly more aggressive position Yeah.","start_word":2311,"end_word":2374,"intents":[{"intent":"Decline strategy","confidence_score":0.0034180542},{"intent":"Adjust strategy","confidence_score":0.30559263}]},{"text":"if I say Thursday, the tenth, which would be next Thursday, Yeah. that way I'm not breaking my power plan as hard and pushing him too hard. And let's go say, like, 10:00 in the morning, if that's okay with you.","start_word":2646,"end_word":2686,"intents":[{"intent":"Schedule meeting","confidence_score":0.20133981}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Sam. Larissa, Oakview Financial. How are you going? Yeah. I'm too shabby, mate. How are you? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.06310205161571503},{"text":"Good. Thank you. I was just giving you a call to touch base and have a quick conversation.","start_word":19,"end_word":36,"sentiment":"positive","sentiment_score":0.4008575081825256},{"text":"Was now still a good time? Yes. Yeah. That's fine. Yeah.","start_word":37,"end_word":47,"sentiment":"neutral","sentiment_score":0.2395809143781662},{"text":"Cool. Perfect.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.4798358678817749},{"text":"Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just full name, date of birth, and Smarties Sparks. 04/15/1988. 9 Colorado Drive, Springfield. address.","start_word":50,"end_word":93,"sentiment":"neutral","sentiment_score":0.07514753192663193},{"text":"Perfect. Thank you for that one.","start_word":94,"end_word":99,"sentiment":"positive","sentiment_score":0.5142589807510376},{"text":"So you and I spoke a little while ago with regards to your portfolio, your your your investment portfolio with your superannuation fund. Uh-huh. And I undertook a bit of a review, and then we haven't been able to connect again, unfortunately. So it's good Here that we we've are. been here.","start_word":100,"end_word":151,"sentiment":"neutral","sentiment_score":0.09418883174657822},{"text":"We're here today, which is good.","start_word":152,"end_word":157,"sentiment":"positive","sentiment_score":0.4486490786075592},{"text":"Cool. Now, ultimately speaking, I guess, I did send documents to you a month ago for you to look over and review Okay. When I was unable to to get you on the phone, we we had a scheduled booking at the end of July, and I I sent the documents to you ahead of our meeting, and then we we obviously didn't connect. Okay. Those documents are expired, but rather than me having, I guess, gone through and reupdated them, I Yeah. wanted That's to, I guess, have have a bit of a conversation first before yeah. we I went through it and put the time No. in We again. yeah. We don't need to do that, I don't think. It's only been a couple of months. So, I guess, first and foremost, what I, I guess, want to establish is whether anything in your world has changed at all and whether, you know, your your circumstances are still the same. So all of the details I originally had on file were, like, you're an admin store, man manager, quality control, $100,000 a year in terms of income, defacto relationship, two dependents. You were looking you're, at the time, saving roughly $50 a week Mhmm. from your income, and that in terms of, I guess, the advice that we were looking at mainly centered around the investments within your super fund and just trying to see whether maybe a more aggressive investment option and a change to the underlying investments would provide better outcomes moving forward. Ring bells? Mhmm. Yeah. Yeah. No. Yeah. I remember that. Cool. So I undertook a look at at your investments, and there was changes that I just wanna make underlying anyway. Mhmm. Mhmm. There's a few of the investments that just weren't quite hitting great for me, Specifically, one of them being Benelon, which is an Australian equity fund.","start_word":158,"end_word":473,"sentiment":"neutral","sentiment_score":0.007126118987798691},{"text":"A, it was a little bit more expensive on the front end from an investment cost perspective.","start_word":474,"end_word":490,"sentiment":"negative","sentiment_score":-0.3593110144138336},{"text":"And then secondarily, the actual investment just wasn't quite pulling where I wanted it to. So the the the fund is what's called a high conviction fund. So, basically, Mhmm. they invest in the long term and stand behind their their investments assets. Mhmm. And the main issue that I had was that they just weren't coming up to the changes in the economic climate, and coming, you know, coming to the the changes that are all happening. Okay.","start_word":491,"end_word":569,"sentiment":"neutral","sentiment_score":-0.16569137573242188},{"text":"So losses are being felt in that fund, and I just don't wanna stick with them long term.","start_word":570,"end_word":587,"sentiment":"negative","sentiment_score":-0.4289386570453644},{"text":"One of the other main changes is that banking hybrids are, as a whole, being phased out legislatively. So rather than hold on to banking hybrids until they do actually phase out, which they're not phasing out for another sort of four years, but rather than hold on to them until they do phase out, I'd rather get a bit ahead of the curve. So that way, we don't feel any of the losses as people start selling out of those assets, Yep.","start_word":588,"end_word":670,"sentiment":"neutral","sentiment_score":-0.02350183962339378},{"text":"and we can, you know, solidify what we've made within that asset and move on to something else that's gonna benefit us long term.","start_word":671,"end_word":694,"sentiment":"positive","sentiment_score":0.7363232970237732},{"text":"Okay. So I had a look at sort of, like, as an underlying the underlying assets, looked at from a perspective of was there some of the assets that you hold overall that I could shift have, you know, something similar that was gonna have better performance and was cheaper underlying as well. Mhmm. And then I obviously did a comparison between where you're invested now, which is which was more that growth eighty twenty kind of split Yeah. to looking at a more high growth alternative as well, so sort of between those two comparisons to try and establish whether we we could move between the two. Because, obviously, as we sort of talked about, there's no point jumping into a more aggressive position unless Mhmm. you need to Mhmm. and and wanted to sort of look at that side of things. Now, ultimately speaking, I looked at the, like, the growth perspective versus the high growth. So 8020 versus, like, a 9010, like for like. So, you know, if you weren't to change any of, you know, any of the contributions you're making, like, putting in or anything like that, And, obviously speaking, high growth is going to come out with a better outcome in ten years to the degree of about a $140. Okay. And that's just based on the compounding returns that happen within the account. Now Mhmm. Okay. speaking in terms of risk outcomes, what it basically comes to is, are there other alternatives that we can look at that would enable you to potentially not have to take on, like, a higher risk? Or is it something that you're comfortable with? And I know we did we did talk about it, and you were pretty comfortable taking on the additional risk anyway. But ultimately speaking, I guess there's two avenues that we can go down. Is we we go to the, like, 9010 sort of split, which, age wise, makes perfect sense cyclical. Like, with investment markets, they're cyclical. And realistically, you know, in a high growth investment, we're gonna see sort of one down every five years. So Mhmm.","start_word":695,"end_word":1050,"sentiment":"neutral","sentiment_score":0.06511257630720567},{"text":"within a five year market movement, we're gonna have one negative year.","start_word":1051,"end_word":1062,"sentiment":"negative","sentiment_score":-0.4813089370727539},{"text":"Now moving into a high growth means that, you know, we're gonna have that little bit more volatility up and down. But hold holding it does give us that better better long term outcome. Now the other alternative is is that we look at putting more money into the fund. However, we're looking at sort of $50 a week that you have in, I guess, additional cash flow. And one of the things we didn't really discuss when we did speak earlier in the year was whether you had a plan for that additional cash flow that you had otherwise, I guess, earmarked that money for or whether it was just that sort of what you sort of save and it gets used as discretionary funds. So, you know, you'll then go and go out to dinner and sort of spend it that way or Yeah. I've probably got okay. So I think to address first off the changes at home, Yep. I think you guys had me down. I'm in so a couple of things. One, I'm changing jobs. So I left Mhmm. the Okay. place that I was working at two weeks ago. I'm in the three Yep. week holiday, and I'm gonna start a new go on Monday next Monday. Yep. It's I'm starting off at the same rate. So starting a 105, and in three months, I'll have a pay review. Yep. Similar sort of thing. I'm still in there. Same industry, except I'm actually Yep. taking a bit of a step down in terms of responsibility. So it's just I'll be someone who I see rather than managing the warehouse myself. Yeah. And I've I think since last time we spoke, I probably really did a bit of debt. So, like, I I don't know if we spoke to that, but I'm just playing around as well in the stock market. So I put, like, a $120 a week just into that S and P 500 index. Mhmm. And, you know, like, I've still got a few $100 left over at the end of the week to sort of, you know, play around with really. Probably not quite that much. Maybe, yeah, maybe like a couple 100 or something at the time, Yep. you know, buy groceries and fuel and all the rest of it. So I'm sitting a bit better, I think, Yeah. since last last last time. A bit more money Yeah. up my sleeves, and then there'll be, you know, like, a couple of other incremental bits and pieces coming by way as well over the next few months. So, yeah, I'll definitely have, you know, like yeah. A bit of leftovers at the end of each week anyway. I think Okay. that's what I was yeah. Yeah. Not We thought much we else we talked has we changed. talked about you having we talked about you having the, like, trading 212 account. Oh, So we did. I'm assuming Yeah. Okay. yeah. Yeah. I think you had about three and a half. Well, yeah, you had about three and a half when we spoke. Yeah. So Okay. I'm assuming that's increased a bit. Yeah. I think it's up around eight now.","start_word":1063,"end_word":1601,"sentiment":"neutral","sentiment_score":0.01804180524669629},{"text":"Cool.","start_word":1602,"end_word":1602,"sentiment":"positive","sentiment_score":0.3649557828903198},{"text":"Yeah.","start_word":1603,"end_word":1603,"sentiment":"neutral","sentiment_score":0.2253914475440979},{"text":"Alright. Perfect.","start_word":1604,"end_word":1605,"sentiment":"positive","sentiment_score":0.39599284529685974},{"text":"And debt wise, do we have any or, like, we've paid everything off? Yeah. Everything's yeah. I'm oh, I've still got the the couch. I pay that, like, what's that? Yeah. I think it's, like, $15 a week or it might be, like, $50 a month or something like that Okay. for the couch, Yep. and I there's probably, like, another I don't know. I'm just gonna take a gander at about a year left on that or something, probably. Yep. Okay. Yeah. But Not too it's too it's much left.","start_word":1606,"end_word":1696,"sentiment":"neutral","sentiment_score":-0.002394662637795721},{"text":"it's bugger all.","start_word":1697,"end_word":1699,"sentiment":"negative","sentiment_score":-0.3472900688648224},{"text":"Yeah. But I Is look that after like all a interest of it. free Pay? loan? Yeah. Is It's one that, like, of an those interest interest free. Yeah. Go Mastercard things. yeah. Yeah.","start_word":1700,"end_word":1733,"sentiment":"neutral","sentiment_score":0.04435446858406067},{"text":"Cool.","start_word":1734,"end_word":1734,"sentiment":"positive","sentiment_score":0.4266350865364074},{"text":"Cool. And then sorry. Your income, I guess, looks after, like, household expenses. Is that what you were getting sort of going? Sorry. Say that again? Does your were you about to say that your income looks after the household expenses? Yeah. Yeah. So the housing situation sort of I I still have two dependents, Yeah. but I look after all the bills and and rent now. But, yeah, I'm still sitting, you know, can still go out for dinner and and whatnot and have so many left over at the end of the week. So we're doing alright. Yeah. Okay. Cool. Do you so do you wanna look at putting money in? Because tax effectively, we can reduce the marginal tax rate you're paying and sort of look at avenues Is that that way. is that something that I do through work where I get them Yeah. to pay extra super or is that something Yeah. you We guys would organize or? we we draft a letter up for you and Oh, just yeah. you'd send it to work. And it's something that Yep. they just need to set up in their back end, like, Oh, accounting yep. system. Yep. Yep. Yeah. The I say think the I've same actually way done as when this before. they make, Yeah. yeah. Same way as they'd make, like, standard contributions. It's just they have to nominate in, like, an additional amount. Yeah. But I can sort of do calculations math on how much to put in and what that outcome would be and what that does for your tax Yeah.","start_word":1735,"end_word":2003,"sentiment":"neutral","sentiment_score":0.1030047969913394},{"text":"Okay.","start_word":2004,"end_word":2004,"sentiment":"positive","sentiment_score":0.3479810953140259},{"text":"as well. If you pay less marginal tax rate, but you'd obviously pay a little bit more in your super fund, So there's Yeah. generally Yeah.","start_word":2005,"end_word":2030,"sentiment":"neutral","sentiment_score":0.23153887689113617},{"text":"a bit of a sweet spot to make sure that we're not overpaying tax and it's still working.","start_word":2031,"end_word":2048,"sentiment":"positive","sentiment_score":0.43022477626800537},{"text":"Okay.","start_word":2049,"end_word":2049,"sentiment":"neutral","sentiment_score":0.31284037232398987},{"text":"But how much would we be happy to, I guess, allocate to that venture? And probably probably quite easily do, like, an extra 100 or something.","start_word":2050,"end_word":2075,"sentiment":"positive","sentiment_score":0.34429049491882324},{"text":"We A got week? $70.75 a week. Yeah. Yeah. Yeah. Okay. Alright. I'll have a look at it and see where that lands. Because seventy five week gross is not the same as 70 sorry. 75 net, which is what you have in your hand, Yep. is, like, obviously, a different amount of gross. So Okay. it comes out of your gross income, not your net income because Not you net. don't get yeah. Yeah. So I can back calculate, have a look at how it affects your What that would be. personal Yeah. And income. Yeah. And play with it from that side. yeah. Yeah. And then, I guess, in terms of, like, the the high growth allocation, are you still happy to go ahead with it? Like, do you want me to email you the I guess, again, the statement of advice is nonvalid anymore because it is Yeah.","start_word":2076,"end_word":2226,"sentiment":"neutral","sentiment_score":-0.05659040808677673},{"text":"out of date.","start_word":2227,"end_word":2229,"sentiment":"negative","sentiment_score":-0.48474541306495667},{"text":"Okay. You can still have a read over it, and I will obviously have a look and reupdate strategies and stuff like that. But Mhmm. I can email it to you, and we can and I can well, I'll see if I can twist my power planer's arm to try and get it out by end of week, but think I might be pushing my luck with how much I put on his table So the last couple of so days. the the the crux of this, are we just deciding, like, whether or not we wanna get more aggressive, stay where we are, or be more conservative? Is that Essentially, so to stay essentially? where we are, I I wouldn't move more conservatively, to be completely honest. It would either be hold that eighty twenty or move into a slightly more aggressive position Yeah. Yeah. Okay. and go from there. Realistically speaking, I'm probably leaning more towards a more aggressive position at least for the next sort of five to seven years because that's gonna give us a better overall perspective come retirement. Obviously, we're still quite a while away from retirement. It sounds sad when we put it that way, but we we still have a bit of time That looks left.","start_word":2230,"end_word":2443,"sentiment":"neutral","sentiment_score":-0.016206917683724488},{"text":"good. Lots of laughs here left.","start_word":2444,"end_word":2449,"sentiment":"positive","sentiment_score":0.384371280670166},{"text":"So we we, you know, we we don't wanna be going too conservative too quickly. We we wanna make sure we we're we're actually Yeah. sort of riding the market properly. And, you know, some 40, we've got heaps of time. It wouldn't be until we're sort of maybe ten years to retirement that we'd I'd I'd wanna start maybe tailoring down on that a little bit and probably maybe pop back down to that $80.20. So Yeah. yeah. Okay. So I'd be leaning more towards the high growth personally, but it's obviously, that's come down to your profit level as well. Yeah. Stop it. Go for it. Okay. I mean, yeah. You're there. Fair fair enough.","start_word":2450,"end_word":2566,"sentiment":"neutral","sentiment_score":0.028992904350161552},{"text":"Cool.","start_word":2567,"end_word":2567,"sentiment":"positive","sentiment_score":0.40659505128860474},{"text":"I'll I'll have a play around with the numbers, $75 as extra contributions. I'll redo up docs based on updated figures, all the rest of the the fun stuff, and I will get them back out to you, Yeah. And dramas.","start_word":2568,"end_word":2608,"sentiment":"neutral","sentiment_score":0.26960189204390456},{"text":"Cool. and then we can go from there and get them implemented.","start_word":2609,"end_word":2620,"sentiment":"positive","sentiment_score":0.4482074081897736},{"text":"Let's say as a tentative you said you're three weeks off work, aren't you? Yeah. Yeah. So I've had two one left. Okay. So Mhmm. if I say Thursday, the tenth, which would be next Thursday, Yeah. that way I'm not breaking my power plan as hard and pushing him too hard. And let's go say, like, 10:00 in the morning, if that's okay with you. Probably a a little bit later because this this other job, I'll be finishing a a bit later than so, like, This is I'd say, oh, like this is your this is your last week off. yeah. Yeah. Yeah. So I've had two off. So far, Right. I've got one more left. Yep. So I And start this next is the Monday. last yeah. Yeah. Understood. Yeah. So Cool. just I don't know if you have some questions at, like, 1PM available. Monday at 1PM. I can even do you something solid, and I could do 5PM on Tuesday. Yeah. Okay. See that? Is that too early Cool. for you guys? Right? Five p no. It's okay. I'll just break friendships. Okay. No. It's Alright. okay. I'll I'll send I'll make chocolate. it Alright. work. Exactly. Yeah. I gotta crack the whip every now and again. Exactly. No. Well, I'm No. his I'll boss. No. yeah. I I know No. I know what you mean. I'll get it out. Cool. Alright.","start_word":2621,"end_word":2857,"sentiment":"neutral","sentiment_score":-0.0019492978462949395},{"text":"All good.","start_word":2858,"end_word":2859,"sentiment":"positive","sentiment_score":0.393548846244812},{"text":"Well, I'll book that in for Tuesday at 5PM. I'll add you to the calendar invite so that way you get a notification to remind you, Cool. and I'll get it turned around and done then.","start_word":2860,"end_word":2895,"sentiment":"neutral","sentiment_score":0.25007204338908195},{"text":"Oh, sensational. Awesome. Amazing. I'll check then. Perfect. Yes. We Thanks will. so much. We got this.","start_word":2896,"end_word":2912,"sentiment":"positive","sentiment_score":0.6620340347290039},{"text":"No.","start_word":2913,"end_word":2913,"sentiment":"neutral","sentiment_score":0.14476922154426575},{"text":"No stress, Very ma'am. good. Have a good one. You too, mate.","start_word":2914,"end_word":2925,"sentiment":"positive","sentiment_score":0.5527725219726562},{"text":"Sure. Bye.","start_word":2926,"end_word":2927,"sentiment":"neutral","sentiment_score":0.27415451407432556}],"average":{"sentiment":"neutral","sentiment_score":0.047668236528517885}}}}