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I just scheduled in for that statement of advice presentation this morning. Perfect. Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please? Yep. Alright. Perfect. Not a problem at all. It's okay. It's a bit early in the morning. So and then in regards to your personal information, everything that was discussed previously, can I just confirm that is all accurate and up to date? So you haven't sort of had any major changes since we last spoke? Perfect. So we'll be sending this out to your email there, Henako dot f@iCloud.com. Yep. Perfect. So I'll send that through now, and hopefully that comes through very shortly there. Within regards to that one, you will is it's quite a simple advice piece in terms of just looking at the investment updates. You'll have the appendix. You'll have the statement of advice. You'll have OQ services guide and OQ financial services guide, and then just the PDF for your your current superannuation fund there as well. And then we can run through the the statement advice that you'd say. And any questions you have in regards to that, feel free to let me know. Otherwise, you can take it away, have a read through it, and come back with any questions you might have. In regards to just, like, personal information and No. It it is quite, as I said, straightforward. So it was finalized there on the March 30 in regards to when it was created to a previous. It's created for yourself by myself and the team there as an authorized representative of Oakview Financial. I know you did also have a conversation with Tommy, and we're still happy to receive the document in regards to the update. So, obviously, with the best interest, Judy, we always aim to put you in a better position than what you were currently in as part of, like, our duty as advisers. As far as the advice itself, it is pertaining just to the superannuation side of things. So we had a look at your superannuation fund, the investments, and then also we just included the estate planning side of things just given that you don't have a current will in place just as a reminder to get that done. As far as stuff that we did discuss that we're not considering as part of the advice was insurances. You're happy having no insurances. You're budgeting and savings with having the property and the debt and things like that. You're happy managing that yourself with the way you're traveling currently with your your work and stuff. So there is a limited advice warning. Basically, it's saying that we're only providing advice on the superannuation estate planning side of things. And then as far as the advice itself, it's quite straightforward in terms to what we're recommending. So we are recommending that you retain your net wealth superannuation and then change your underlying investments and then establish a new beneficiary nomination because I believe you have your mother from memory as your nomination for your superannuation fund. Yeah. I'll just quickly grab it. Susanna. Oh, Sibon. Yeah. Not a problem. So as part of that recommendation, apologies, I mixed up your email and sibling, but it's basically, yeah, to make sure you have a valid nomination that has to meet the SIS requirement. So, yeah, once you get around to sample bill, and then you can do your legal personal representative through that to be able to establish that, which is what we've recommended there or, you know, at such time, if you have, like, children, your partner, things like that that you wanna nominate, you can sort of they all fall under that nomination. On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and then also your assets and liabilities. In regards to the home, it's just listed as, like, the full value, but, obviously, it's 50% liability and ownership between you and your your sister there, which is fine. As far as the risk profile, we're still keeping in a high growth. It's what you scored and what you're sort of comfortable moving with forward. Given your age and time to retirement, you can more than afford to take on that level of risk of around that nine percent growth as it's around 10% defensive, if that makes sense. Now when getting to the superannuation recommendation part, also in the appendix, we did do some comparisons there for you in regards to Australian super just so you can have a look there based on sort of your past performance of your current fund versus the high growth in Australian super versus what we're recommending versus the high growth in Australian super there as well. Just do you be able to review? Obviously, with regards to industry funds, when you do go and just select, like, default options, generally, they're around the growth sort of mark. So that's something to be mindful of if you do decide to to leave and open an industry fund that making sure that your investments are aligned with what you sort of want in regards to that risk and allocation there to the the market and the growth assets. So with that, obviously, we did recommend retaining net wealth, and that's for a few reasons. Not only is it still like a a valued fund in the market in the retail space in terms of, like, the features offered, the the capabilities in regards to providing advice. But in addition to that one, you do have about a $2,000 tax liability with CGT if you were to sort of sell down and move out, which is going to be mindful of if you did leave. That is also illustrated in the appendix there for you to have a look at moving to Australian Super, what that does look like. Now so the way industry fund works, a lot of them are unitized to where you buy the unit price, and that the taxes are built into the unit price. Whereas when you have, like, direct shares and ETFs with the retail platforms, the CGT is paid upon, like, sale or sell down of the funds. And then with the growth you've had in your superannuation, it's sitting around the $2,000 mark. You sold everything to cash. That's sort of around the mark, like, based on when this was done of how much you'd have to pay or, like, it would come out of it, the superannuation balance for the tax liability for capital gain. Yep. It's not like an out of pocket cost. It's just on the growth that you've earned from those assets because, yeah, obviously, like, you're holding, you know, shares and ETFs that do have that growth, and, unfortunately, the government does want their share of that. Obviously, the way industry funds work, it, yeah, built into the unit price upon on sales. You don't have to worry about it as much in regards to that. But, yeah, a bit bit different on a retail platform. And with retaining that, obviously, you still have the usability of Netwealth, their reporting features, all the access you have currently to be able to review and monitor your superannuation. I'm not too sure how much you have been doing that probably a bit more recently than past, but the reporting tools are still quite good, especially moving forward. If you were to stay on board, you can sort of, you know, pay a bit more attention to what is going on and the reports that you can generate to be able to see what is happening with your superannuation and come back with any concerns you might have. Now the the recommendation with the update there as well, obviously, it's to remove that key portion there of that Benelon holding that hasn't been performing too well for you. That obviously is quite a key weighting in your current portfolio, and the risk that comes with that is quite high with the manager risk of having, like, 30% in an actively managed fund between someone that makes those decisions and something that isn't an index because you're just tracking whatever performance metrics that they have to be able to try and outperform the market. And, obviously, with Penalong there, at the end of the year, they obviously made some wrong decisions in regards to certain underlying investments in addition to, obviously, the war has caused portfolios as a whole to take a little bit of a dip. So with the update, not only is it removing that underperforming asset, it's sort of allocating the rest of your portfolio to other investments that not only is heavily weighted. So when one of those assets don't have quite a good year, it isn't heavily expected on your portfolio. It increases your diversification across different areas, and it still maintains a portion of active investment, but not to the extent that you've currently got. So you still have a slight ability to potentially out on the market, but it doesn't come with the extreme manager risk of some of those managed portfolios or funds that you previously had with that Benelon. So with the update, there is a JPMorgan Global Research enhanced index. It still is an index, and it is managed to an extent, but that would be your active portion. It's only around 15%, so significantly less than what you had currently with the Benelon. In addition to that one, you will be spread across a number of ETFs to help diversify slightly more. It'll also reduce slightly exposure in the S and P 500 to around the 25% mark just to be able to still have that core of your portfolio. It reduces the amount of capital gains you would pay in regards to selling down your whole portfolio and as opposed to still maintaining that core and then sort of having the rest of the portfolio distributed amongst other investments across India, which is like an emerging market. You've got some health care, and then you've got some exposure in Australia both in the RAFI index and the Australian 200. And then you've also still got your defensive portion with the iShares composite bond, and you still hold some gold, which is a bit of a growth and defensive asset. Yep. So that's just to have the allocations across that. So it's not in the sense that they believe that we want to move away from The US market by any means. It just was to help diversify a little bit more across the other investments. So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly. With that, you'd only be reducing about the 5%, but that also means that you can have a bit of exposure still, like, in the the cybersecurity space still in gold, and then those three would stay. And then you have the exposure in India as an emerging market, health care, and then a nice chunk to allocated to Australian equities there as well. And then still maintaining that active component there with the JPMorgan enhanced index, which is the not as active as, like, an actively managed fund as opposed to that because it still is an equity index, but it still is an active component to try and outperform the market somewhat. So the index is a a passive generally, like the S and P 500. That is just the top 500 companies in America at that time. And as companies rise and fall, they fall out of that index, which means you hold them and then you don't. It means that the volatility is normally slightly less because they're just tracking what the market is doing as companies do fall. They fall out. You don't hold that investment. It's dynamic in that sense, whereas with the active component, they pick and choose. It's not just based off a set of metrics. It's sort of goes beyond that a little bit and then picking and choosing who falls into that based on their metrics and then also generally some to do with the the indexes as well to pick and choose some some winners a bit to be able to try and app on that market, which is what, like, the actively managed Benelon fund was trying to do, but, obviously, they haven't done quite well in the past year there. Yep. They do generally carry slightly higher fees. So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending. If you go over the page to the 16, you'll be able to see the cost change difference in the amount of money you're spending currently on the investment fees. So so the the way that that's calculated is based on the performance over a year as well. So, obviously, if the fund does, like, what it has done previously with that 13%, which, obviously, rolling averages are you know, they're just a figure at the end of the day because the markets aren't gonna replicate year on year over the next five years as they did previously, but it's based on the calculation of you got the 13%, which likely, especially given the current markets with the war and everything won't occur. We just use that as a metric to be able to illustrate moving forward what that sort of looks like, but it also just calculates into that adviser fee price to give you an understanding of if it did perform 13%, what that would be over the course of twelve months with the growth. So that's why it goes up. It's not in the sense that you're actually charged that. It's still based on just the 1.6 5% of your balance. But, obviously, if your super does better, the fee does go up. If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure. You're getting charged for the adviser fee, if that makes sense. Yep. So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments. Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains. So that's the reason it's a lot lower. And then with that, their investment fees would be reduced down to about $335 per annum in terms of the investment you do hold and then the recommended portfolio, which would guarantee like, it would save you $365. So even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well. It does work out that you would be saving money on your investments. And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon. No. You're right. So within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost of, like, holding the investments. So, generally, in industry funds, a lot of the investment fees are higher because they're not actually advising you. They're not actually giving you personalized advice, but it goes into, like, the work they put in for the investments and the the the investments they put together. So, generally, that can be a little bit higher. You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up. So currently, at the moment, in your current form with the amount of active management you do have, it would be cheaper in terms of, like, the investment cost if you were an Australian super. And then obviously, you wouldn't have the adviser fee and then having a platform that isn't as comprehensive as Netwealth, and it's reporting and tracking and being able to view your super. The administration fees and membership fees are generally a bit less When you look so if you look in the email chain, it's not on the statement of advice. It's a separate document, the appendix to the statement of advice. Yeah. No. No. You're fine. And then if you looked at the the recommended, obviously, you still pay more in terms of, like, administration and regards to building advice strategies with, like, transition to retirement, things like that as well. And then the investment fee that we're recommending would be significantly lower than that fee. And then also, you still have to take into account the adviser fee that would be charged with having the the service and the additional services listed in the services guide and financial services guide as you get under that as well and the advice updates you can get. So, obviously, in regards to industry versus retail and having adviser, it is cheaper just to be in industry if you want to sort of just leave it alone and not worry about it and just be happy with what you're you're getting. But if you want to be a little bit more involved and take advantage of the service a little bit more and then make use of sort of the service to where the adviser fee makes sense for you, that's sort of where the decision sort of comes from there as well. Yeah. And I don't wanna push you sort of either way. Obviously, it is a personal decision at the end of the day whether or not you feel like you're getting enough out of the service to make it worth worthwhile. Obviously, with the percentage figure, it is sort of beneficial in the sense that, like, with the lower balances, you're not just getting charged a higher fee, like you said, for lower balances and not sort of making it worse that you don't feel like you're sort of taking advantage as much as, like, someone that might be, you know, years down the track looking at other investments, investment properties, trying to structure things a little bit differently as opposed to, you know, just paying down your your primary mortgage and then having your superannuation. So, you know, if you felt like it might be something in the future that you might come back to, that's more than fine as well. Or if it's something that you feel like you might just take a bit more of an interest in, monitor a little bit more, take a little bit more of an interest, like, at your annual review times to sort of see how things are going and asking a few more questions to where you get imparted a little bit more knowledge to be able to make some more informed decisions in regards to your situation as well. That's sort of where some of the value comes from as well. Yeah. You don't have to make the decision at the top. Like, you've got thirty days from this advice, yeah, for this to be valid, and then another thirty after that if you confirm your details. So as I said, you don't have to make a decision on the phone. Feel free to take it away. Have a bit of a read through it. Have a look at the financial services guide and OQ services guide. See if what is on offer as, like, a service you do get as an ongoing client is sort of what you want and if you want that moving forward. And as I said, you know, there's no sort of ill will in regards to if you do decide that you think you're better off elsewhere. We're not gonna sort of try and hold you hostage or anything like that. We obviously wanna know try and do do better to help improve service, feel like people moving forward and things like that as well. But if it is purely sort of the bad deal with the performance, unfortunately, the performance is the one thing that isn't guaranteed with advice. It is unfortunate, but, obviously, no one knows what Trump's gonna do tomorrow, let alone what he's gonna tweak tonight. So with that as well, it's it's hard to just like, you can't guarantee those performances. Obviously, there's research that goes into the recommendations, and I can't sort of pertain to what you discussed yet previously as to why you had such a high allocation in that managed fund, whether it was to go a bit more aggressive, have a bit more of a chance at high growth early on versus, like, a little bit more of a diversified option and sustain, like, a longer term growth given this time to retirement versus, like, being younger and taking on a bit more risk while you're younger because you can afford to sorta be invested longer and take that risk while you're on the younger side of things versus later in life. Yeah. And as I said too, like, obviously, the five year rolling average is what's happened in five past previous years. So it's not really indicative of what might happen in the future, especially with how volatile everything is at the moment. But the guaranteed thing is with the update is you'll still have access to the service. You'll lower those investment costs moving forward, which is a guaranteed savings. You'll have a bit more diversification. You'll have a bit more of an allocation to those indexes, which do just track the market, and then you'll have still slight exposure to active management while you're still younger to potentially maybe outperform what the markets are doing in that JPMorgan Global Research. And then it's just a bit more of a balance. You spread across a few more investments. And then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well. Yeah. Yeah. I can put you down for, like, three months or, like, quarterly catch up as part of, like, your service there. So, hopefully, every sort of three months or so, someone reaches out and has a bit of a discussion around everything. In regards to that, obviously, with the the underlying asset within Bennelong, that happened quite quickly. And then, obviously, the business, they always had to review that and everything before they sent out the newsletter in regards to their stance on what was happening. Prior to that, Bennelong probably wasn't performing, like, to the extent of what you might want for the cost you pay for an actively managed fund, but there wasn't by any means, like, having negative returns. It was just sort of a slow potential recovery sort of getting that eight percent sort of onward from from COVID, which isn't sort of still horrible. And then with that, obviously, if that's still doing, you know, 8% plus the rest of your portfolio, your portfolio as a whole would still be doing quite well or was doing quite well along those that timeline. So people looking at that would be like with it's still gonna perform well over the long term. Obviously, in regards to the underlying asset, no one could sort of tell that they weren't reporting correctly and then have that information to be able to get out of Ben Long preemptively, if that makes sense. Feel free to take your time, have a read through it, take the weekend, you know, read through the document, come back with any questions you might have. There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio. So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash. So with that, if the markets do go back up, you're potentially buying at a bit higher of a price. If it takes a bit of a dive, you will buy it at a bit of a lower price. Just with how volatile everything is at the moment, that's something to just be aware of there as well. And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach. But like you said, before, it does come at a higher cost. We looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years. But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all? Yeah. So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change. Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no. I just wanna, you know, move on it. Yeah. So I don't wanna pressure you into, you know, putting on paper now, making a change, and then have you fell down and move out anyway because then you're just paying more costs in regards to investment changes. So I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there. And then from that, if you were happy, then, obviously, if you sign the document, they'll get that implemented for you. As far as the estate planning side of things, obviously, we're recommending setting up a will, power of attorney, and then also changing the nomination from the sister to just your will to be able to nominate, you know, things like your your sister and family members in the event of how your estate is settled settled. But as long as you're aware of that and you're happy doing that in your own time, that's more than fine as well. It's more than a reminder than anything. Obviously, the adviser fee is based on that 1.65%. As long as you're aware of that, that's fine as well. And then just in regards to how it would be implemented if you did sign it or if you would do those investments switch for you, but then the estate planning side of things is up to you to implement at the time of day. And then if you did wanna make any amendments to the advice or not proceed, that's more than fine as well. So at the moment, the only way it comes down is if your partner is on board, it drops down to 1.1% as like a coupling fee. But at the moment, it's still sitting at just that 1.65. I believe in future, they are reviewing it as a whole and reviewing the tiers to space them out a little bit more in regards to lower versus higher balances, but I'm not too sure when that would be bringing that out, if that makes sense. Yeah. And, obviously, it's a bit above me in regards to making that change. If you do feel like that is the only thing hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that. Yeah. Yeah. Yeah. Yep. That's not a problem at all. You know? And, yeah, like I said, it's a bit above me. Obviously, I can't make that change, but, you know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something. But as I said, that's a little bit above my pay grade. I can't make those decisions. But do you have any other questions in regards to that investment update or anything there, you know, or in regards to the appendix with the Australian super comparisons there for you? Yeah. And as I said, there's no rush. You might get someone that will call and follow-up to see if you do have any questions in regards to that in the meantime if they don't hear from you. But I don't think there'll be sort of any sort of rush to be calling you tomorrow or anything like that. So that's perfectly fine. But, yeah, feel free to read through the documents, come back with any questions you do have, and then you can get booked back in for another conversation if you feel like you need that or if you need any assistance with anything else, feel free to just reach out there. No problem at all, Hina. You enjoy the rest of your day. Thanks for your time this morning. 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morning, Hina. It's Carl calling from Ophi Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for that statement of advice presentation this morning. Perfect. Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please? Yep.\n\nAlright. Perfect. Not a problem at all. It's okay. It's a bit early in the morning.\n\nSo and then in regards to your personal information, everything that was discussed previously, can I just confirm that is all accurate and up to date? So you haven't sort of had any major changes since we last spoke? Perfect. So we'll be sending this out to your email there, Henako dot f@iCloud.com. Yep.\n\nPerfect. So I'll send that through now, and hopefully that comes through very shortly there. Within regards to that one, you will is it's quite a simple advice piece in terms of just looking at the investment updates. You'll have the appendix. You'll have the statement of advice.\n\nYou'll have OQ services guide and OQ financial services guide, and then just the PDF for your your current superannuation fund there as well. And then we can run through the the statement advice that you'd say. And any questions you have in regards to that, feel free to let me know. Otherwise, you can take it away, have a read through it, and come back with any questions you might have. In regards to just, like, personal information and No.\n\nIt it is quite, as I said, straightforward. So it was finalized there on the March 30 in regards to when it was created to a previous. It's created for yourself by myself and the team there as an authorized representative of Oakview Financial. I know you did also have a conversation with Tommy, and we're still happy to receive the document in regards to the update. So, obviously, with the best interest, Judy, we always aim to put you in a better position than what you were currently in as part of, like, our duty as advisers.\n\nAs far as the advice itself, it is pertaining just to the superannuation side of things. So we had a look at your superannuation fund, the investments, and then also we just included the estate planning side of things just given that you don't have a current will in place just as a reminder to get that done. As far as stuff that we did discuss that we're not considering as part of the advice was insurances. You're happy having no insurances. You're budgeting and savings with having the property and the debt and things like that.\n\nYou're happy managing that yourself with the way you're traveling currently with your your work and stuff. So there is a limited advice warning. Basically, it's saying that we're only providing advice on the superannuation estate planning side of things. And then as far as the advice itself, it's quite straightforward in terms to what we're recommending. So we are recommending that you retain your net wealth superannuation and then change your underlying investments and then establish a new beneficiary nomination because I believe you have your mother from memory as your nomination for your superannuation fund.\n\nYeah. I'll just quickly grab it. Susanna. Oh, Sibon. Yeah.\n\nNot a problem. So as part of that recommendation, apologies, I mixed up your email and sibling, but it's basically, yeah, to make sure you have a valid nomination that has to meet the SIS requirement. So, yeah, once you get around to sample bill, and then you can do your legal personal representative through that to be able to establish that, which is what we've recommended there or, you know, at such time, if you have, like, children, your partner, things like that that you wanna nominate, you can sort of they all fall under that nomination. On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and then also your assets and liabilities. In regards to the home, it's just listed as, like, the full value, but, obviously, it's 50% liability and ownership between you and your your sister there, which is fine.\n\nAs far as the risk profile, we're still keeping in a high growth. It's what you scored and what you're sort of comfortable moving with forward. Given your age and time to retirement, you can more than afford to take on that level of risk of around that nine percent growth as it's around 10% defensive, if that makes sense. Now when getting to the superannuation recommendation part, also in the appendix, we did do some comparisons there for you in regards to Australian super just so you can have a look there based on sort of your past performance of your current fund versus the high growth in Australian super versus what we're recommending versus the high growth in Australian super there as well. Just do you be able to review?\n\nObviously, with regards to industry funds, when you do go and just select, like, default options, generally, they're around the growth sort of mark. So that's something to be mindful of if you do decide to to leave and open an industry fund that making sure that your investments are aligned with what you sort of want in regards to that risk and allocation there to the the market and the growth assets. So with that, obviously, we did recommend retaining net wealth, and that's for a few reasons. Not only is it still like a a valued fund in the market in the retail space in terms of, like, the features offered, the the capabilities in regards to providing advice. But in addition to that one, you do have about a $2,000 tax liability with CGT if you were to sort of sell down and move out, which is going to be mindful of if you did leave.\n\nThat is also illustrated in the appendix there for you to have a look at moving to Australian Super, what that does look like. Now so the way industry fund works, a lot of them are unitized to where you buy the unit price, and that the taxes are built into the unit price. Whereas when you have, like, direct shares and ETFs with the retail platforms, the CGT is paid upon, like, sale or sell down of the funds. And then with the growth you've had in your superannuation, it's sitting around the $2,000 mark. You sold everything to cash.\n\nThat's sort of around the mark, like, based on when this was done of how much you'd have to pay or, like, it would come out of it, the superannuation balance for the tax liability for capital gain. Yep. It's not like an out of pocket cost. It's just on the growth that you've earned from those assets because, yeah, obviously, like, you're holding, you know, shares and ETFs that do have that growth, and, unfortunately, the government does want their share of that. Obviously, the way industry funds work, it, yeah, built into the unit price upon on sales.\n\nYou don't have to worry about it as much in regards to that. But, yeah, a bit bit different on a retail platform. And with retaining that, obviously, you still have the usability of Netwealth, their reporting features, all the access you have currently to be able to review and monitor your superannuation. I'm not too sure how much you have been doing that probably a bit more recently than past, but the reporting tools are still quite good, especially moving forward. If you were to stay on board, you can sort of, you know, pay a bit more attention to what is going on and the reports that you can generate to be able to see what is happening with your superannuation and come back with any concerns you might have.\n\nNow the the recommendation with the update there as well, obviously, it's to remove that key portion there of that Benelon holding that hasn't been performing too well for you. That obviously is quite a key weighting in your current portfolio, and the risk that comes with that is quite high with the manager risk of having, like, 30% in an actively managed fund between someone that makes those decisions and something that isn't an index because you're just tracking whatever performance metrics that they have to be able to try and outperform the market. And, obviously, with Penalong there, at the end of the year, they obviously made some wrong decisions in regards to certain underlying investments in addition to, obviously, the war has caused portfolios as a whole to take a little bit of a dip. So with the update, not only is it removing that underperforming asset, it's sort of allocating the rest of your portfolio to other investments that not only is heavily weighted. So when one of those assets don't have quite a good year, it isn't heavily expected on your portfolio.\n\nIt increases your diversification across different areas, and it still maintains a portion of active investment, but not to the extent that you've currently got. So you still have a slight ability to potentially out on the market, but it doesn't come with the extreme manager risk of some of those managed portfolios or funds that you previously had with that Benelon. So with the update, there is a JPMorgan Global Research enhanced index. It still is an index, and it is managed to an extent, but that would be your active portion. It's only around 15%, so significantly less than what you had currently with the Benelon.\n\nIn addition to that one, you will be spread across a number of ETFs to help diversify slightly more. It'll also reduce slightly exposure in the S and P 500 to around the 25% mark just to be able to still have that core of your portfolio. It reduces the amount of capital gains you would pay in regards to selling down your whole portfolio and as opposed to still maintaining that core and then sort of having the rest of the portfolio distributed amongst other investments across India, which is like an emerging market. You've got some health care, and then you've got some exposure in Australia both in the RAFI index and the Australian 200. And then you've also still got your defensive portion with the iShares composite bond, and you still hold some gold, which is a bit of a growth and defensive asset.\n\nYep. So that's just to have the allocations across that. So it's not in the sense that they believe that we want to move away from The US market by any means. It just was to help diversify a little bit more across the other investments. So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly.\n\nWith that, you'd only be reducing about the 5%, but that also means that you can have a bit of exposure still, like, in the the cybersecurity space still in gold, and then those three would stay. And then you have the exposure in India as an emerging market, health care, and then a nice chunk to allocated to Australian equities there as well. And then still maintaining that active component there with the JPMorgan enhanced index, which is the not as active as, like, an actively managed fund as opposed to that because it still is an equity index, but it still is an active component to try and outperform the market somewhat. So the index is a a passive generally, like the S and P 500. That is just the top 500 companies in America at that time.\n\nAnd as companies rise and fall, they fall out of that index, which means you hold them and then you don't. It means that the volatility is normally slightly less because they're just tracking what the market is doing as companies do fall. They fall out. You don't hold that investment. It's dynamic in that sense, whereas with the active component, they pick and choose.\n\nIt's not just based off a set of metrics. It's sort of goes beyond that a little bit and then picking and choosing who falls into that based on their metrics and then also generally some to do with the the indexes as well to pick and choose some some winners a bit to be able to try and app on that market, which is what, like, the actively managed Benelon fund was trying to do, but, obviously, they haven't done quite well in the past year there. Yep. They do generally carry slightly higher fees. So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending.\n\nIf you go over the page to the 16, you'll be able to see the cost change difference in the amount of money you're spending currently on the investment fees. So so the the way that that's calculated is based on the performance over a year as well. So, obviously, if the fund does, like, what it has done previously with that 13%, which, obviously, rolling averages are you know, they're just a figure at the end of the day because the markets aren't gonna replicate year on year over the next five years as they did previously, but it's based on the calculation of you got the 13%, which likely, especially given the current markets with the war and everything won't occur. We just use that as a metric to be able to illustrate moving forward what that sort of looks like, but it also just calculates into that adviser fee price to give you an understanding of if it did perform 13%, what that would be over the course of twelve months with the growth. So that's why it goes up.\n\nIt's not in the sense that you're actually charged that. It's still based on just the 1.6 5% of your balance. But, obviously, if your super does better, the fee does go up. If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure. You're getting charged for the adviser fee, if that makes sense.\n\nYep. So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments. Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains. So that's the reason it's a lot lower. And then with that, their investment fees would be reduced down to about $335 per annum in terms of the investment you do hold and then the recommended portfolio, which would guarantee like, it would save you $365.\n\nSo even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well. It does work out that you would be saving money on your investments. And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon. No. You're right.\n\nSo within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost of, like, holding the investments. So, generally, in industry funds, a lot of the investment fees are higher because they're not actually advising you. They're not actually giving you personalized advice, but it goes into, like, the work they put in for the investments and the the the investments they put together. So, generally, that can be a little bit higher. You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up.\n\nSo currently, at the moment, in your current form with the amount of active management you do have, it would be cheaper in terms of, like, the investment cost if you were an Australian super. And then obviously, you wouldn't have the adviser fee and then having a platform that isn't as comprehensive as Netwealth, and it's reporting and tracking and being able to view your super. The administration fees and membership fees are generally a bit less When you look so if you look in the email chain, it's not on the statement of advice. It's a separate document, the appendix to the statement of advice. Yeah.\n\nNo. No. You're fine. And then if you looked at the the recommended, obviously, you still pay more in terms of, like, administration and regards to building advice strategies with, like, transition to retirement, things like that as well. And then the investment fee that we're recommending would be significantly lower than that fee.\n\nAnd then also, you still have to take into account the adviser fee that would be charged with having the the service and the additional services listed in the services guide and financial services guide as you get under that as well and the advice updates you can get. So, obviously, in regards to industry versus retail and having adviser, it is cheaper just to be in industry if you want to sort of just leave it alone and not worry about it and just be happy with what you're you're getting. But if you want to be a little bit more involved and take advantage of the service a little bit more and then make use of sort of the service to where the adviser fee makes sense for you, that's sort of where the decision sort of comes from there as well. Yeah. And I don't wanna push you sort of either way.\n\nObviously, it is a personal decision at the end of the day whether or not you feel like you're getting enough out of the service to make it worth worthwhile. Obviously, with the percentage figure, it is sort of beneficial in the sense that, like, with the lower balances, you're not just getting charged a higher fee, like you said, for lower balances and not sort of making it worse that you don't feel like you're sort of taking advantage as much as, like, someone that might be, you know, years down the track looking at other investments, investment properties, trying to structure things a little bit differently as opposed to, you know, just paying down your your primary mortgage and then having your superannuation. So, you know, if you felt like it might be something in the future that you might come back to, that's more than fine as well. Or if it's something that you feel like you might just take a bit more of an interest in, monitor a little bit more, take a little bit more of an interest, like, at your annual review times to sort of see how things are going and asking a few more questions to where you get imparted a little bit more knowledge to be able to make some more informed decisions in regards to your situation as well.\n\nThat's sort of where some of the value comes from as well. Yeah. You don't have to make the decision at the top. Like, you've got thirty days from this advice, yeah, for this to be valid, and then another thirty after that if you confirm your details. So as I said, you don't have to make a decision on the phone.\n\nFeel free to take it away. Have a bit of a read through it. Have a look at the financial services guide and OQ services guide. See if what is on offer as, like, a service you do get as an ongoing client is sort of what you want and if you want that moving forward. And as I said, you know, there's no sort of ill will in regards to if you do decide that you think you're better off elsewhere.\n\nWe're not gonna sort of try and hold you hostage or anything like that. We obviously wanna know try and do do better to help improve service, feel like people moving forward and things like that as well. But if it is purely sort of the bad deal with the performance, unfortunately, the performance is the one thing that isn't guaranteed with advice. It is unfortunate, but, obviously, no one knows what Trump's gonna do tomorrow, let alone what he's gonna tweak tonight. So with that as well, it's it's hard to just like, you can't guarantee those performances.\n\nObviously, there's research that goes into the recommendations, and I can't sort of pertain to what you discussed yet previously as to why you had such a high allocation in that managed fund, whether it was to go a bit more aggressive, have a bit more of a chance at high growth early on versus, like, a little bit more of a diversified option and sustain, like, a longer term growth given this time to retirement versus, like, being younger and taking on a bit more risk while you're younger because you can afford to sorta be invested longer and take that risk while you're on the younger side of things versus later in life. Yeah. And as I said too, like, obviously, the five year rolling average is what's happened in five past previous years. So it's not really indicative of what might happen in the future, especially with how volatile everything is at the moment. But the guaranteed thing is with the update is you'll still have access to the service.\n\nYou'll lower those investment costs moving forward, which is a guaranteed savings. You'll have a bit more diversification. You'll have a bit more of an allocation to those indexes, which do just track the market, and then you'll have still slight exposure to active management while you're still younger to potentially maybe outperform what the markets are doing in that JPMorgan Global Research. And then it's just a bit more of a balance. You spread across a few more investments.\n\nAnd then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well. Yeah. Yeah. I can put you down for, like, three months or, like, quarterly catch up as part of, like, your service there. So, hopefully, every sort of three months or so, someone reaches out and has a bit of a discussion around everything.\n\nIn regards to that, obviously, with the the underlying asset within Bennelong, that happened quite quickly. And then, obviously, the business, they always had to review that and everything before they sent out the newsletter in regards to their stance on what was happening. Prior to that, Bennelong probably wasn't performing, like, to the extent of what you might want for the cost you pay for an actively managed fund, but there wasn't by any means, like, having negative returns. It was just sort of a slow potential recovery sort of getting that eight percent sort of onward from from COVID, which isn't sort of still horrible. And then with that, obviously, if that's still doing, you know, 8% plus the rest of your portfolio, your portfolio as a whole would still be doing quite well or was doing quite well along those that timeline.\n\nSo people looking at that would be like with it's still gonna perform well over the long term. Obviously, in regards to the underlying asset, no one could sort of tell that they weren't reporting correctly and then have that information to be able to get out of Ben Long preemptively, if that makes sense. Feel free to take your time, have a read through it, take the weekend, you know, read through the document, come back with any questions you might have. There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio. So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash.\n\nSo with that, if the markets do go back up, you're potentially buying at a bit higher of a price. If it takes a bit of a dive, you will buy it at a bit of a lower price. Just with how volatile everything is at the moment, that's something to just be aware of there as well. And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach. But like you said, before, it does come at a higher cost.\n\nWe looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years. But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all? Yeah. So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change. Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no.\n\nI just wanna, you know, move on it. Yeah. So I don't wanna pressure you into, you know, putting on paper now, making a change, and then have you fell down and move out anyway because then you're just paying more costs in regards to investment changes. So I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there. And then from that, if you were happy, then, obviously, if you sign the document, they'll get that implemented for you.\n\nAs far as the estate planning side of things, obviously, we're recommending setting up a will, power of attorney, and then also changing the nomination from the sister to just your will to be able to nominate, you know, things like your your sister and family members in the event of how your estate is settled settled. But as long as you're aware of that and you're happy doing that in your own time, that's more than fine as well. It's more than a reminder than anything. Obviously, the adviser fee is based on that 1.65%. As long as you're aware of that, that's fine as well.\n\nAnd then just in regards to how it would be implemented if you did sign it or if you would do those investments switch for you, but then the estate planning side of things is up to you to implement at the time of day. And then if you did wanna make any amendments to the advice or not proceed, that's more than fine as well. So at the moment, the only way it comes down is if your partner is on board, it drops down to 1.1% as like a coupling fee. But at the moment, it's still sitting at just that 1.65. I believe in future, they are reviewing it as a whole and reviewing the tiers to space them out a little bit more in regards to lower versus higher balances, but I'm not too sure when that would be bringing that out, if that makes sense.\n\nYeah. And, obviously, it's a bit above me in regards to making that change. If you do feel like that is the only thing hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that. Yeah. Yeah.\n\nYeah. Yep. That's not a problem at all. You know? And, yeah, like I said, it's a bit above me.\n\nObviously, I can't make that change, but, you know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something. But as I said, that's a little bit above my pay grade. I can't make those decisions. But do you have any other questions in regards to that investment update or anything there, you know, or in regards to the appendix with the Australian super comparisons there for you? Yeah.\n\nAnd as I said, there's no rush. You might get someone that will call and follow-up to see if you do have any questions in regards to that in the meantime if they don't hear from you. But I don't think there'll be sort of any sort of rush to be calling you tomorrow or anything like that. So that's perfectly fine. But, yeah, feel free to read through the documents, come back with any questions you do have, and then you can get booked back in for another conversation if you feel like you need that or if you need any assistance with anything else, feel free to just reach out there.\n\nNo problem at all, Hina. You enjoy the rest of your day. Thanks for your time this morning. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Hina.","start":2.72,"end":3.36,"sentiment":"positive","sentiment_score":0.4235521952311198},{"text":"It's Carl calling from Ophi Financial.","start":3.36,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.2434185122450193},{"text":"How are you today?","start":4.88,"end":5.62,"sentiment":"neutral","sentiment_score":0.27818407118320465},{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.18853849172592163},{"text":"Not too bad at all.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.259737491607666}],"sentiment":"neutral","sentiment_score":0.28058578387687083,"num_words":19,"start":2.72,"end":8.16},{"sentences":[{"text":"Thanks for asking.","start":8.16,"end":8.88,"sentiment":"positive","sentiment_score":0.5916658441225687},{"text":"I just scheduled in for that statement of advice presentation this morning.","start":8.88,"end":12.015,"sentiment":"neutral","sentiment_score":0.24255426103870073},{"text":"Perfect.","start":13.8550005,"end":14.175,"sentiment":"positive","sentiment_score":0.5938951969146729},{"text":"Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please?","start":14.175,"end":20.195,"sentiment":"neutral","sentiment_score":0.11234468281269074},{"text":"Yep.","start":33.870003,"end":34.370003,"sentiment":"neutral","sentiment_score":0.09958510845899582}],"sentiment":"neutral","sentiment_score":0.1949463342981679,"num_words":42,"start":8.16,"end":34.370003},{"sentences":[{"text":"Alright.","start":34.83,"end":35.33,"sentiment":"neutral","sentiment_score":0.2202579826116562},{"text":"Perfect.","start":35.870003,"end":36.35,"sentiment":"positive","sentiment_score":0.4309122860431671},{"text":"Not a problem at all.","start":36.35,"end":37.39,"sentiment":"positive","sentiment_score":0.3653997540473938},{"text":"It's okay.","start":37.39,"end":37.71,"sentiment":"neutral","sentiment_score":0.31577007472515106},{"text":"It's a bit early in the morning.","start":37.71,"end":39.07,"sentiment":"neutral","sentiment_score":0.16928958467074803}],"sentiment":"neutral","sentiment_score":0.26842101756483316,"num_words":16,"start":34.83,"end":39.07},{"sentences":[{"text":"So and then in regards to your personal information, everything that was discussed previously, can I just confirm that is all accurate and up to date?","start":39.07,"end":48.235,"sentiment":"neutral","sentiment_score":0.18192332639144018},{"text":"So you haven't sort of had any major changes since we last spoke?","start":48.235,"end":51.135002,"sentiment":"neutral","sentiment_score":-0.06345321682210152},{"text":"Perfect.","start":53.37,"end":53.87,"sentiment":"neutral","sentiment_score":0.15272220969200134},{"text":"So we'll be sending this out to your email there, Henako dot f@iCloud.com.","start":53.93,"end":58.83,"sentiment":"neutral","sentiment_score":0.10225382533210975},{"text":"Yep.","start":60.57,"end":60.89,"sentiment":"neutral","sentiment_score":0.16488246619701383}],"sentiment":"neutral","sentiment_score":0.10281516801289937,"num_words":54,"start":39.07,"end":60.89},{"sentences":[{"text":"Perfect.","start":60.89,"end":61.39,"sentiment":"positive","sentiment_score":0.3567093014717102},{"text":"So I'll send that through now, and hopefully that comes through very shortly there.","start":61.45,"end":65.205,"sentiment":"neutral","sentiment_score":0.2759903882231031},{"text":"Within regards to that one, you will is it's quite a simple advice piece in terms of just looking at the investment updates.","start":65.285,"end":70.885,"sentiment":"neutral","sentiment_score":0.1520252895096074},{"text":"You'll have the appendix.","start":70.885,"end":72.005005,"sentiment":"neutral","sentiment_score":0.11086248606443405},{"text":"You'll have the statement of advice.","start":72.005005,"end":73.285,"sentiment":"neutral","sentiment_score":0.129515141248703}],"sentiment":"neutral","sentiment_score":0.1862020247305433,"num_words":48,"start":60.89,"end":73.285},{"sentences":[{"text":"You'll have OQ services guide and OQ financial services guide, and then just the PDF for your your current superannuation fund there as well.","start":73.285,"end":80.665,"sentiment":"neutral","sentiment_score":0.10822058810542028},{"text":"And then we can run through the the statement advice that you'd say.","start":80.86,"end":83.5,"sentiment":"neutral","sentiment_score":0.14849899594600385},{"text":"And any questions you have in regards to that, feel free to let me know.","start":83.5,"end":86.06,"sentiment":"neutral","sentiment_score":0.12200933545827866},{"text":"Otherwise, you can take it away, have a read through it, and come back with any questions you might have.","start":86.06,"end":90.24,"sentiment":"neutral","sentiment_score":0.1040600098669529},{"text":"In regards to just, like, personal information and No.","start":109.450005,"end":121.705,"sentiment":"neutral","sentiment_score":-0.04907770392795404}],"sentiment":"neutral","sentiment_score":0.09873360439123195,"num_words":81,"start":73.285,"end":121.705},{"sentences":[{"text":"It it is quite, as I said, straightforward.","start":121.705,"end":123.485,"sentiment":"neutral","sentiment_score":0.1875295452773571},{"text":"So it was finalized there on the March 30 in regards to when it was created to a previous.","start":123.945,"end":128.445,"sentiment":"neutral","sentiment_score":0.24112395079512344},{"text":"It's created for yourself by myself and the team there as an authorized representative of Oakview Financial.","start":128.92,"end":133.01999,"sentiment":"neutral","sentiment_score":0.21011649072170258},{"text":"I know you did also have a conversation with Tommy, and we're still happy to receive the document in regards to the update.","start":133.72,"end":139.0,"sentiment":"neutral","sentiment_score":0.2674066304512646},{"text":"So, obviously, with the best interest, Judy, we always aim to put you in a better position than what you were currently in as part of, like, our duty as advisers.","start":139.0,"end":147.665,"sentiment":"positive","sentiment_score":0.4096046229523997}],"sentiment":"neutral","sentiment_score":0.2908333426683533,"num_words":98,"start":121.705,"end":147.665},{"sentences":[{"text":"As far as the advice itself, it is pertaining just to the superannuation side of things.","start":148.685,"end":152.525,"sentiment":"neutral","sentiment_score":0.0561084293294698},{"text":"So we had a look at your superannuation fund, the investments, and then also we just included the estate planning side of things just given that you don't have a current will in place just as a reminder to get that done.","start":152.525,"end":164.68,"sentiment":"neutral","sentiment_score":0.11536828091456777},{"text":"As far as stuff that we did discuss that we're not considering as part of the advice was insurances.","start":164.9,"end":169.54,"sentiment":"neutral","sentiment_score":-0.1982305347919464},{"text":"You're happy having no insurances.","start":169.54,"end":170.92,"sentiment":"neutral","sentiment_score":-0.018009291589260103},{"text":"You're budgeting and savings with having the property and the debt and things like that.","start":171.14,"end":175.155,"sentiment":"neutral","sentiment_score":0.22326722840468088}],"sentiment":"neutral","sentiment_score":0.05397715953361128,"num_words":97,"start":148.685,"end":175.155},{"sentences":[{"text":"You're happy managing that yourself with the way you're traveling currently with your your work and stuff.","start":175.155,"end":179.895,"sentiment":"neutral","sentiment_score":0.2963414555963348},{"text":"So there is a limited advice warning.","start":180.35501,"end":181.875,"sentiment":"neutral","sentiment_score":-0.14004686687673842},{"text":"Basically, it's saying that we're only providing advice on the superannuation estate planning side of things.","start":181.875,"end":185.63501,"sentiment":"neutral","sentiment_score":-0.039020544732920825},{"text":"And then as far as the advice itself, it's quite straightforward in terms to what we're recommending.","start":185.63501,"end":189.95001,"sentiment":"neutral","sentiment_score":0.11406219093238606},{"text":"So we are recommending that you retain your net wealth superannuation and then change your underlying investments and then establish a new beneficiary nomination because I believe you have your mother from memory as your nomination for your superannuation fund.","start":189.95001,"end":204.045,"sentiment":"neutral","sentiment_score":0.1517789399251342}],"sentiment":"neutral","sentiment_score":0.11797281241370845,"num_words":97,"start":175.155,"end":204.045},{"sentences":[{"text":"Yeah.","start":220.04,"end":220.54,"sentiment":"neutral","sentiment_score":0.04673346132040024},{"text":"I'll just quickly grab it.","start":221.88,"end":223.58,"sentiment":"neutral","sentiment_score":0.1505427837371826},{"text":"Susanna.","start":225.495,"end":225.995,"sentiment":"neutral","sentiment_score":0.10748480260372162},{"text":"Oh, Sibon.","start":230.615,"end":231.355,"sentiment":"neutral","sentiment_score":0.04942100867629051},{"text":"Yeah.","start":237.75,"end":238.25,"sentiment":"positive","sentiment_score":0.45764580368995667}],"sentiment":"neutral","sentiment_score":0.14634200036525727,"num_words":10,"start":220.04,"end":238.25},{"sentences":[{"text":"Not a problem.","start":239.43,"end":239.99,"sentiment":"neutral","sentiment_score":0.28912026683489483},{"text":"So as part of that recommendation, apologies, I mixed up your email and sibling, but it's basically, yeah, to make sure you have a valid nomination that has to meet the SIS requirement.","start":239.99,"end":249.70502,"sentiment":"neutral","sentiment_score":0.15894009439613332},{"text":"So, yeah, once you get around to sample bill, and then you can do your legal personal representative through that to be able to establish that, which is what we've recommended there or, you know, at such time, if you have, like, children, your partner, things like that that you wanna nominate, you can sort of they all fall under that nomination.","start":249.70502,"end":263.725,"sentiment":"neutral","sentiment_score":0.17182579528420203},{"text":"On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and then also your assets and liabilities.","start":265.51,"end":274.41,"sentiment":"neutral","sentiment_score":0.058654590509831905},{"text":"In regards to the home, it's just listed as, like, the full value, but, obviously, it's 50% liability and ownership between you and your your sister there, which is fine.","start":274.87,"end":284.665,"sentiment":"neutral","sentiment_score":0.07880507359902064}],"sentiment":"neutral","sentiment_score":0.13315425618874052,"num_words":156,"start":239.43,"end":284.665},{"sentences":[{"text":"As far as the risk profile, we're still keeping in a high growth.","start":284.725,"end":286.965,"sentiment":"neutral","sentiment_score":0.10655207416185966},{"text":"It's what you scored and what you're sort of comfortable moving with forward.","start":286.965,"end":290.28,"sentiment":"neutral","sentiment_score":0.18403349702174848},{"text":"Given your age and time to retirement, you can more than afford to take on that level of risk of around that nine percent growth as it's around 10% defensive, if that makes sense.","start":290.28,"end":297.81998,"sentiment":"neutral","sentiment_score":0.1608295778141302},{"text":"Now when getting to the superannuation recommendation part, also in the appendix, we did do some comparisons there for you in regards to Australian super just so you can have a look there based on sort of your past performance of your current fund versus the high growth in Australian super versus what we're recommending versus the high growth in Australian super there as well.","start":299.63998,"end":321.105,"sentiment":"neutral","sentiment_score":0.08454700384575586},{"text":"Just do you be able to review?","start":321.105,"end":322.28,"sentiment":"neutral","sentiment_score":0.018760210435305322}],"sentiment":"neutral","sentiment_score":0.11267193025824698,"num_words":132,"start":284.725,"end":322.28},{"sentences":[{"text":"Obviously, with regards to industry funds, when you do go and just select, like, default options, generally, they're around the growth sort of mark.","start":322.28,"end":328.59998,"sentiment":"neutral","sentiment_score":0.009111360646784306},{"text":"So that's something to be mindful of if you do decide to to leave and open an industry fund that making sure that your investments are aligned with what you sort of want in regards to that risk and allocation there to the the market and the growth assets.","start":328.59998,"end":342.26498,"sentiment":"neutral","sentiment_score":0.026475356397580127},{"text":"So with that, obviously, we did recommend retaining net wealth, and that's for a few reasons.","start":343.125,"end":347.845,"sentiment":"neutral","sentiment_score":0.27679965225979686},{"text":"Not only is it still like a a valued fund in the market in the retail space in terms of, like, the features offered, the the capabilities in regards to providing advice.","start":347.845,"end":356.23,"sentiment":"positive","sentiment_score":0.359372709877789},{"text":"But in addition to that one, you do have about a $2,000 tax liability with CGT if you were to sort of sell down and move out, which is going to be mindful of if you did leave.","start":356.53,"end":366.595,"sentiment":"neutral","sentiment_score":0.003903224280006007}],"sentiment":"neutral","sentiment_score":0.11064785404962564,"num_words":159,"start":322.28,"end":366.595},{"sentences":[{"text":"That is also illustrated in the appendix there for you to have a look at moving to Australian Super, what that does look like.","start":366.595,"end":372.935,"sentiment":"neutral","sentiment_score":0.17320757421354452},{"text":"Now so the way industry fund works, a lot of them are unitized to where you buy the unit price, and that the taxes are built into the unit price.","start":373.63498,"end":387.49002,"sentiment":"neutral","sentiment_score":-0.011778709478676319},{"text":"Whereas when you have, like, direct shares and ETFs with the retail platforms, the CGT is paid upon, like, sale or sell down of the funds.","start":387.49002,"end":397.465,"sentiment":"neutral","sentiment_score":0.023006939687407933},{"text":"And then with the growth you've had in your superannuation, it's sitting around the $2,000 mark.","start":397.465,"end":402.26498,"sentiment":"neutral","sentiment_score":0.004638626705855131},{"text":"You sold everything to cash.","start":402.26498,"end":404.025,"sentiment":"neutral","sentiment_score":-0.07472969815135003}],"sentiment":"neutral","sentiment_score":0.040617529358161555,"num_words":101,"start":366.595,"end":404.025},{"sentences":[{"text":"That's sort of around the mark, like, based on when this was done of how much you'd have to pay or, like, it would come out of it, the superannuation balance for the tax liability for capital gain.","start":404.025,"end":413.86,"sentiment":"neutral","sentiment_score":-0.005164053879286114},{"text":"Yep.","start":417.535,"end":418.035,"sentiment":"neutral","sentiment_score":0.10806547105312347},{"text":"It's not like an out of pocket cost.","start":420.415,"end":421.855,"sentiment":"neutral","sentiment_score":-0.024302068632096052},{"text":"It's just on the growth that you've earned from those assets because, yeah, obviously, like, you're holding, you know, shares and ETFs that do have that growth, and, unfortunately, the government does want their share of that.","start":421.855,"end":434.87003,"sentiment":"neutral","sentiment_score":0.031220339842744776},{"text":"Obviously, the way industry funds work, it, yeah, built into the unit price upon on sales.","start":434.87003,"end":439.51,"sentiment":"neutral","sentiment_score":0.21491351956501603}],"sentiment":"neutral","sentiment_score":0.043111837618052956,"num_words":100,"start":404.025,"end":439.51},{"sentences":[{"text":"You don't have to worry about it as much in regards to that.","start":439.51,"end":442.65002,"sentiment":"neutral","sentiment_score":0.21773870174701399},{"text":"But, yeah, a bit bit different on a retail platform.","start":443.03003,"end":446.25,"sentiment":"neutral","sentiment_score":0.13185847029089928},{"text":"And with retaining that, obviously, you still have the usability of Netwealth, their reporting features, all the access you have currently to be able to review and monitor your superannuation.","start":446.79,"end":456.525,"sentiment":"neutral","sentiment_score":0.315225846072038},{"text":"I'm not too sure how much you have been doing that probably a bit more recently than past, but the reporting tools are still quite good, especially moving forward.","start":456.585,"end":465.28,"sentiment":"neutral","sentiment_score":0.13764028495241856},{"text":"If you were to stay on board, you can sort of, you know, pay a bit more attention to what is going on and the reports that you can generate to be able to see what is happening with your superannuation and come back with any concerns you might have.","start":465.28,"end":476.98,"sentiment":"neutral","sentiment_score":0.23277489095926285}],"sentiment":"neutral","sentiment_score":0.2214869395406409,"num_words":132,"start":439.51,"end":476.98},{"sentences":[{"text":"Now the the recommendation with the update there as well, obviously, it's to remove that key portion there of that Benelon holding that hasn't been performing too well for you.","start":479.605,"end":491.43,"sentiment":"neutral","sentiment_score":-0.12330321756501993},{"text":"That obviously is quite a key weighting in your current portfolio, and the risk that comes with that is quite high with the manager risk of having, like, 30% in an actively managed fund between someone that makes those decisions and something that isn't an index because you're just tracking whatever performance metrics that they have to be able to try and outperform the market.","start":491.43,"end":510.335,"sentiment":"neutral","sentiment_score":-0.2756930295091409},{"text":"And, obviously, with Penalong there, at the end of the year, they obviously made some wrong decisions in regards to certain underlying investments in addition to, obviously, the war has caused portfolios as a whole to take a little bit of a dip.","start":510.335,"end":522.52,"sentiment":"negative","sentiment_score":-0.4700966844725054},{"text":"So with the update, not only is it removing that underperforming asset, it's sort of allocating the rest of your portfolio to other investments that not only is heavily weighted.","start":522.82,"end":535.125,"sentiment":"neutral","sentiment_score":-0.10502366460859776},{"text":"So when one of those assets don't have quite a good year, it isn't heavily expected on your portfolio.","start":535.125,"end":540.02496,"sentiment":"neutral","sentiment_score":-0.21470315597559275}],"sentiment":"neutral","sentiment_score":-0.2623709667334582,"num_words":187,"start":479.605,"end":540.02496},{"sentences":[{"text":"It increases your diversification across different areas, and it still maintains a portion of active investment, but not to the extent that you've currently got.","start":540.08496,"end":551.13995,"sentiment":"neutral","sentiment_score":0.3019968122243881},{"text":"So you still have a slight ability to potentially out on the market, but it doesn't come with the extreme manager risk of some of those managed portfolios or funds that you previously had with that Benelon.","start":551.13995,"end":562.27997,"sentiment":"neutral","sentiment_score":0.11228647002497234},{"text":"So with the update, there is a JPMorgan Global Research enhanced index.","start":563.775,"end":568.41504,"sentiment":"neutral","sentiment_score":0.21787340939044952},{"text":"It still is an index, and it is managed to an extent, but that would be your active portion.","start":568.41504,"end":574.255,"sentiment":"neutral","sentiment_score":0.18804070353507996},{"text":"It's only around 15%, so significantly less than what you had currently with the Benelon.","start":574.255,"end":579.06,"sentiment":"neutral","sentiment_score":0.06878505622347196}],"sentiment":"neutral","sentiment_score":0.17521805388645995,"num_words":108,"start":540.08496,"end":579.06},{"sentences":[{"text":"In addition to that one, you will be spread across a number of ETFs to help diversify slightly more.","start":579.52,"end":585.76,"sentiment":"neutral","sentiment_score":0.3034694924166328},{"text":"It'll also reduce slightly exposure in the S and P 500 to around the 25% mark just to be able to still have that core of your portfolio.","start":585.76,"end":594.175,"sentiment":"neutral","sentiment_score":0.31570667534002234},{"text":"It reduces the amount of capital gains you would pay in regards to selling down your whole portfolio and as opposed to still maintaining that core and then sort of having the rest of the portfolio distributed amongst other investments across India, which is like an emerging market.","start":594.175,"end":611.81,"sentiment":"neutral","sentiment_score":0.11354784807190299},{"text":"You've got some health care, and then you've got some exposure in Australia both in the RAFI index and the Australian 200.","start":612.18994,"end":618.05,"sentiment":"neutral","sentiment_score":0.12877495078877968},{"text":"And then you've also still got your defensive portion with the iShares composite bond, and you still hold some gold, which is a bit of a growth and defensive asset.","start":618.67,"end":626.60504,"sentiment":"neutral","sentiment_score":0.1967180535197258}],"sentiment":"neutral","sentiment_score":0.195854384325394,"num_words":147,"start":579.52,"end":626.60504},{"sentences":[{"text":"Yep.","start":637.72,"end":638.22,"sentiment":"neutral","sentiment_score":0.03766825795173645},{"text":"So that's just to have the allocations across that.","start":640.83997,"end":643.39996,"sentiment":"neutral","sentiment_score":0.0009986509879430139},{"text":"So it's not in the sense that they believe that we want to move away from The US market by any means.","start":643.39996,"end":648.98505,"sentiment":"neutral","sentiment_score":-0.14497187394987454},{"text":"It just was to help diversify a little bit more across the other investments.","start":648.98505,"end":653.405,"sentiment":"neutral","sentiment_score":0.09986304651413645},{"text":"So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly.","start":654.42505,"end":660.75104,"sentiment":"neutral","sentiment_score":-0.1705658948669831}],"sentiment":"neutral","sentiment_score":-0.09028446453770525,"num_words":76,"start":637.72,"end":660.75104},{"sentences":[{"text":"With that, you'd only be reducing about the 5%, but that also means that you can have a bit of exposure still, like, in the the cybersecurity space still in gold, and then those three would stay.","start":660.75104,"end":671.59125,"sentiment":"neutral","sentiment_score":-0.20802222011057106},{"text":"And then you have the exposure in India as an emerging market, health care, and then a nice chunk to allocated to Australian equities there as well.","start":671.59125,"end":680.325,"sentiment":"neutral","sentiment_score":0.026744683031682617},{"text":"And then still maintaining that active component there with the JPMorgan enhanced index, which is the not as active as, like, an actively managed fund as opposed to that because it still is an equity index, but it still is an active component to try and outperform the market somewhat.","start":680.705,"end":699.42004,"sentiment":"neutral","sentiment_score":0.14888641081750392},{"text":"So the index is a a passive generally, like the S and P 500.","start":705.89496,"end":709.735,"sentiment":"neutral","sentiment_score":0.003586187426533018},{"text":"That is just the top 500 companies in America at that time.","start":709.735,"end":712.45496,"sentiment":"neutral","sentiment_score":0.029031659786899883}],"sentiment":"neutral","sentiment_score":0.00620136700038399,"num_words":140,"start":660.75104,"end":712.45496},{"sentences":[{"text":"And as companies rise and fall, they fall out of that index, which means you hold them and then you don't.","start":712.45496,"end":717.64996,"sentiment":"neutral","sentiment_score":-0.1381674153464181},{"text":"It means that the volatility is normally slightly less because they're just tracking what the market is doing as companies do fall.","start":717.70996,"end":724.50995,"sentiment":"neutral","sentiment_score":-0.18672829527746548},{"text":"They fall out.","start":724.50995,"end":724.99,"sentiment":"neutral","sentiment_score":-0.27994438012441},{"text":"You don't hold that investment.","start":724.99,"end":726.20996,"sentiment":"neutral","sentiment_score":-0.18981742560863496},{"text":"It's dynamic in that sense, whereas with the active component, they pick and choose.","start":726.35,"end":731.845,"sentiment":"neutral","sentiment_score":0.05985321210963385}],"sentiment":"neutral","sentiment_score":-0.1224694387270854,"num_words":65,"start":712.45496,"end":731.845},{"sentences":[{"text":"It's not just based off a set of metrics.","start":731.90497,"end":733.925,"sentiment":"neutral","sentiment_score":0.049011764840947256},{"text":"It's sort of goes beyond that a little bit and then picking and choosing who falls into that based on their metrics and then also generally some to do with the the indexes as well to pick and choose some some winners a bit to be able to try and app on that market, which is what, like, the actively managed Benelon fund was trying to do, but, obviously, they haven't done quite well in the past year there.","start":734.065,"end":757.965,"sentiment":"neutral","sentiment_score":0.012025068172171145},{"text":"Yep.","start":760.84503,"end":761.34503,"sentiment":"neutral","sentiment_score":-0.014753173105418682},{"text":"They do generally carry slightly higher fees.","start":770.45996,"end":773.26,"sentiment":"neutral","sentiment_score":-0.13148320146969386},{"text":"So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending.","start":773.26,"end":794.00494,"sentiment":"positive","sentiment_score":0.48585782405631295}],"sentiment":"neutral","sentiment_score":0.1859461329937852,"num_words":154,"start":731.90497,"end":794.00494},{"sentences":[{"text":"If you go over the page to the 16, you'll be able to see the cost change difference in the amount of money you're spending currently on the investment fees.","start":794.70496,"end":806.87,"sentiment":"neutral","sentiment_score":0.27143735413750014},{"text":"So so the the way that that's calculated is based on the performance over a year as well.","start":807.57,"end":822.705,"sentiment":"neutral","sentiment_score":0.08799191729889975},{"text":"So, obviously, if the fund does, like, what it has done previously with that 13%, which, obviously, rolling averages are you know, they're just a figure at the end of the day because the markets aren't gonna replicate year on year over the next five years as they did previously, but it's based on the calculation of you got the 13%, which likely, especially given the current markets with the war and everything won't occur.","start":822.705,"end":845.945,"sentiment":"neutral","sentiment_score":0.055629503230253854},{"text":"We just use that as a metric to be able to illustrate moving forward what that sort of looks like, but it also just calculates into that adviser fee price to give you an understanding of if it did perform 13%, what that would be over the course of twelve months with the growth.","start":846.565,"end":860.05,"sentiment":"neutral","sentiment_score":0.16560076218512323},{"text":"So that's why it goes up.","start":860.05,"end":861.435,"sentiment":"neutral","sentiment_score":0.1267389307419459}],"sentiment":"neutral","sentiment_score":0.12897301978263698,"num_words":183,"start":794.70496,"end":861.435},{"sentences":[{"text":"It's not in the sense that you're actually charged that.","start":861.675,"end":863.595,"sentiment":"neutral","sentiment_score":-0.20048685222864152},{"text":"It's still based on just the 1.6 5% of your balance.","start":863.595,"end":867.455,"sentiment":"neutral","sentiment_score":-0.05234919200566682},{"text":"But, obviously, if your super does better, the fee does go up.","start":867.995,"end":872.315,"sentiment":"neutral","sentiment_score":0.1443300535902381},{"text":"If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure.","start":872.315,"end":878.33,"sentiment":"neutral","sentiment_score":-0.06257498418462687},{"text":"You're getting charged for the adviser fee, if that makes sense.","start":878.39,"end":884.97003,"sentiment":"neutral","sentiment_score":0.12968727506019853}],"sentiment":"neutral","sentiment_score":-0.016943335711751897,"num_words":73,"start":861.675,"end":884.97003},{"sentences":[{"text":"Yep.","start":896.965,"end":897.205,"sentiment":"neutral","sentiment_score":0.11836937069892885},{"text":"So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments.","start":897.205,"end":904.45,"sentiment":"neutral","sentiment_score":0.09868399488429229},{"text":"Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains.","start":904.45,"end":908.45,"sentiment":"neutral","sentiment_score":0.16170679695076412},{"text":"So that's the reason it's a lot lower.","start":908.45,"end":910.31,"sentiment":"positive","sentiment_score":0.38457297906279564},{"text":"And then with that, their investment fees would be reduced down to about $335 per annum in terms of the investment you do hold and then the recommended portfolio, which would guarantee like, it would save you $365.","start":911.35504,"end":925.72003,"sentiment":"positive","sentiment_score":0.3871069785795714}],"sentiment":"neutral","sentiment_score":0.2604961417029413,"num_words":89,"start":896.965,"end":925.72003},{"sentences":[{"text":"So even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well.","start":925.72003,"end":933.82,"sentiment":"positive","sentiment_score":0.589266654216882},{"text":"It does work out that you would be saving money on your investments.","start":934.28,"end":938.3,"sentiment":"positive","sentiment_score":0.6951881555410532},{"text":"And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon.","start":938.415,"end":952.675,"sentiment":"neutral","sentiment_score":0.1799675519750626},{"text":"No.","start":965.945,"end":966.10504,"sentiment":"neutral","sentiment_score":-0.1053074449300766},{"text":"You're right.","start":966.10504,"end":966.92505,"sentiment":"neutral","sentiment_score":-0.060969118028879166}],"sentiment":"positive","sentiment_score":0.3686820168626829,"num_words":103,"start":925.72003,"end":966.92505},{"sentences":[{"text":"So within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost of, like, holding the investments.","start":978.83997,"end":994.16504,"sentiment":"neutral","sentiment_score":-0.03428138978779316},{"text":"So, generally, in industry funds, a lot of the investment fees are higher because they're not actually advising you.","start":994.22504,"end":1001.025,"sentiment":"neutral","sentiment_score":-0.07523149271544657},{"text":"They're not actually giving you personalized advice, but it goes into, like, the work they put in for the investments and the the the investments they put together.","start":1001.025,"end":1010.07996,"sentiment":"neutral","sentiment_score":-0.0721625043079257},{"text":"So, generally, that can be a little bit higher.","start":1010.07996,"end":1012.33997,"sentiment":"neutral","sentiment_score":-0.12620193428463405},{"text":"You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up.","start":1012.88,"end":1018.825,"sentiment":"neutral","sentiment_score":0.14909896902416064}],"sentiment":"neutral","sentiment_score":-0.020787996831147567,"num_words":115,"start":978.83997,"end":1018.825},{"sentences":[{"text":"So currently, at the moment, in your current form with the amount of active management you do have, it would be cheaper in terms of, like, the investment cost if you were an Australian super.","start":1018.825,"end":1029.73,"sentiment":"neutral","sentiment_score":0.2859276856694903},{"text":"And then obviously, you wouldn't have the adviser fee and then having a platform that isn't as comprehensive as Netwealth, and it's reporting and tracking and being able to view your super.","start":1029.73,"end":1038.15,"sentiment":"neutral","sentiment_score":0.17119809868745506},{"text":"The administration fees and membership fees are generally a bit less When you look so if you look in the email chain, it's not on the statement of advice.","start":1038.21,"end":1050.7749,"sentiment":"neutral","sentiment_score":-0.08121654635359501},{"text":"It's a separate document, the appendix to the statement of advice.","start":1050.7749,"end":1053.6749,"sentiment":"neutral","sentiment_score":-0.03128821284256198},{"text":"Yeah.","start":1059.59,"end":1059.9099,"sentiment":"neutral","sentiment_score":-0.010039174929261208}],"sentiment":"neutral","sentiment_score":0.11829924811091688,"num_words":108,"start":1018.825,"end":1059.9099},{"sentences":[{"text":"No.","start":1059.9099,"end":1060.15,"sentiment":"neutral","sentiment_score":-0.09637292474508286},{"text":"No.","start":1060.15,"end":1060.3099,"sentiment":"neutral","sentiment_score":-0.08163857460021973},{"text":"You're fine.","start":1060.3099,"end":1060.97,"sentiment":"neutral","sentiment_score":0.12760299444198608},{"text":"And then if you looked at the the recommended, obviously, you still pay more in terms of, like, administration and regards to building advice strategies with, like, transition to retirement, things like that as well.","start":1062.07,"end":1079.67,"sentiment":"neutral","sentiment_score":0.197587656549045},{"text":"And then the investment fee that we're recommending would be significantly lower than that fee.","start":1080.9501,"end":1085.67,"sentiment":"positive","sentiment_score":0.38944650689760846}],"sentiment":"neutral","sentiment_score":0.23767518652258096,"num_words":54,"start":1059.9099,"end":1085.67},{"sentences":[{"text":"And then also, you still have to take into account the adviser fee that would be charged with having the the service and the additional services listed in the services guide and financial services guide as you get under that as well and the advice updates you can get.","start":1085.67,"end":1099.985,"sentiment":"neutral","sentiment_score":0.24723038852823023},{"text":"So, obviously, in regards to industry versus retail and having adviser, it is cheaper just to be in industry if you want to sort of just leave it alone and not worry about it and just be happy with what you're you're getting.","start":1100.205,"end":1110.18,"sentiment":"positive","sentiment_score":0.3444334136885266},{"text":"But if you want to be a little bit more involved and take advantage of the service a little bit more and then make use of sort of the service to where the adviser fee makes sense for you, that's sort of where the decision sort of comes from there as well.","start":1110.18,"end":1123.585,"sentiment":"neutral","sentiment_score":0.30098430095956874},{"text":"Yeah.","start":1163.53,"end":1163.85,"sentiment":"neutral","sentiment_score":-0.1001618355512619},{"text":"And I don't wanna push you sort of either way.","start":1163.85,"end":1166.97,"sentiment":"neutral","sentiment_score":-0.17353783473372458}],"sentiment":"neutral","sentiment_score":0.2628423825387032,"num_words":155,"start":1085.67,"end":1166.97},{"sentences":[{"text":"Obviously, it is a personal decision at the end of the day whether or not you feel like you're getting enough out of the service to make it worth worthwhile.","start":1166.97,"end":1173.615,"sentiment":"neutral","sentiment_score":0.05883555544617896},{"text":"Obviously, with the percentage figure, it is sort of beneficial in the sense that, like, with the lower balances, you're not just getting charged a higher fee, like you said, for lower balances and not sort of making it worse that you don't feel like you're sort of taking advantage as much as, like, someone that might be, you know, years down the track looking at other investments, investment properties, trying to structure things a little bit differently as opposed to, you know, just paying down your your primary mortgage and then having your superannuation.","start":1173.615,"end":1198.62,"sentiment":"neutral","sentiment_score":0.3002589623786901},{"text":"So, you know, if you felt like it might be something in the future that you might come back to, that's more than fine as well.","start":1199.64,"end":1205.305,"sentiment":"neutral","sentiment_score":0.291727751493454},{"text":"Or if it's something that you feel like you might just take a bit more of an interest in, monitor a little bit more, take a little bit more of an interest, like, at your annual review times to sort of see how things are going and asking a few more questions to where you get imparted a little bit more knowledge to be able to make some more informed decisions in regards to your situation as well.","start":1205.305,"end":1222.5801,"sentiment":"positive","sentiment_score":0.3656532556200639}],"sentiment":"neutral","sentiment_score":0.2899368714696756,"num_words":229,"start":1166.97,"end":1222.5801},{"sentences":[{"text":"That's sort of where some of the value comes from as well.","start":1223.04,"end":1225.9401,"sentiment":"positive","sentiment_score":0.5709767838319143},{"text":"Yeah.","start":1243.3099,"end":1243.5499,"sentiment":"neutral","sentiment_score":0.0837273821234703},{"text":"You don't have to make the decision at the top.","start":1243.5499,"end":1245.3099,"sentiment":"neutral","sentiment_score":-0.21390965431928635},{"text":"Like, you've got thirty days from this advice, yeah, for this to be valid, and then another thirty after that if you confirm your details.","start":1245.3099,"end":1251.71,"sentiment":"neutral","sentiment_score":-0.033367055505514144},{"text":"So as I said, you don't have to make a decision on the phone.","start":1251.71,"end":1254.9099,"sentiment":"neutral","sentiment_score":0.025735901402575628}],"sentiment":"neutral","sentiment_score":0.06971739478889973,"num_words":62,"start":1223.04,"end":1254.9099},{"sentences":[{"text":"Feel free to take it away.","start":1254.9099,"end":1256.11,"sentiment":"neutral","sentiment_score":-0.2492569995423158},{"text":"Have a bit of a read through it.","start":1256.11,"end":1257.495,"sentiment":"neutral","sentiment_score":0.1770782507956028},{"text":"Have a look at the financial services guide and OQ services guide.","start":1257.495,"end":1261.035,"sentiment":"neutral","sentiment_score":0.21509861573576927},{"text":"See if what is on offer as, like, a service you do get as an ongoing client is sort of what you want and if you want that moving forward.","start":1261.255,"end":1268.395,"sentiment":"positive","sentiment_score":0.5113473951816558},{"text":"And as I said, you know, there's no sort of ill will in regards to if you do decide that you think you're better off elsewhere.","start":1268.6951,"end":1275.62,"sentiment":"neutral","sentiment_score":-0.17044596288066644}],"sentiment":"neutral","sentiment_score":0.16354992949381109,"num_words":82,"start":1254.9099,"end":1275.62},{"sentences":[{"text":"We're not gonna sort of try and hold you hostage or anything like that.","start":1275.62,"end":1277.9401,"sentiment":"negative","sentiment_score":-0.43331808703286306},{"text":"We obviously wanna know try and do do better to help improve service, feel like people moving forward and things like that as well.","start":1277.9401,"end":1284.915,"sentiment":"neutral","sentiment_score":0.189762556925416},{"text":"But if it is purely sort of the bad deal with the performance, unfortunately, the performance is the one thing that isn't guaranteed with advice.","start":1284.915,"end":1291.9551,"sentiment":"negative","sentiment_score":-0.5260432279109954},{"text":"It is unfortunate, but, obviously, no one knows what Trump's gonna do tomorrow, let alone what he's gonna tweak tonight.","start":1291.9551,"end":1296.995,"sentiment":"negative","sentiment_score":-0.5505422368645668},{"text":"So with that as well, it's it's hard to just like, you can't guarantee those performances.","start":1296.995,"end":1302.9299,"sentiment":"negative","sentiment_score":-0.45106899179518223}],"sentiment":"neutral","sentiment_score":-0.33223415309130544,"num_words":99,"start":1275.62,"end":1302.9299},{"sentences":[{"text":"Obviously, there's research that goes into the recommendations, and I can't sort of pertain to what you discussed yet previously as to why you had such a high allocation in that managed fund, whether it was to go a bit more aggressive, have a bit more of a chance at high growth early on versus, like, a little bit more of a diversified option and sustain, like, a longer term growth given this time to retirement versus, like, being younger and taking on a bit more risk while you're younger because you can afford to sorta be invested longer and take that risk while you're on the younger side of things versus later in life.","start":1302.99,"end":1335.5801,"sentiment":"neutral","sentiment_score":-0.10617839118222827},{"text":"Yeah.","start":1375.0599,"end":1375.46,"sentiment":"neutral","sentiment_score":0.0992487221956253},{"text":"And as I said too, like, obviously, the five year rolling average is what's happened in five past previous years.","start":1375.46,"end":1380.74,"sentiment":"neutral","sentiment_score":0.008413642644882202},{"text":"So it's not really indicative of what might happen in the future, especially with how volatile everything is at the moment.","start":1380.74,"end":1385.86,"sentiment":"neutral","sentiment_score":-0.11348109319806099},{"text":"But the guaranteed thing is with the update is you'll still have access to the service.","start":1385.86,"end":1389.865,"sentiment":"positive","sentiment_score":0.4970027655363083}],"sentiment":"neutral","sentiment_score":-0.036844231904285145,"num_words":173,"start":1302.99,"end":1389.865},{"sentences":[{"text":"You'll lower those investment costs moving forward, which is a guaranteed savings.","start":1389.865,"end":1393.965,"sentiment":"positive","sentiment_score":0.6349252959092458},{"text":"You'll have a bit more diversification.","start":1394.345,"end":1395.645,"sentiment":"positive","sentiment_score":0.5843555231889089},{"text":"You'll have a bit more of an allocation to those indexes, which do just track the market, and then you'll have still slight exposure to active management while you're still younger to potentially maybe outperform what the markets are doing in that JPMorgan Global Research.","start":1395.9451,"end":1410.39,"sentiment":"neutral","sentiment_score":0.32786253293355305},{"text":"And then it's just a bit more of a balance.","start":1411.01,"end":1412.61,"sentiment":"neutral","sentiment_score":0.020013474486768247},{"text":"You spread across a few more investments.","start":1412.61,"end":1414.31,"sentiment":"neutral","sentiment_score":0.055223915459854264}],"sentiment":"neutral","sentiment_score":0.3308219103142619,"num_words":80,"start":1389.865,"end":1414.31},{"sentences":[{"text":"And then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well.","start":1414.61,"end":1426.135,"sentiment":"neutral","sentiment_score":-0.2155820497352144},{"text":"Yeah.","start":1429.0751,"end":1429.5751,"sentiment":"neutral","sentiment_score":-0.1094016134738922},{"text":"Yeah.","start":1465.0599,"end":1465.5599,"sentiment":"neutral","sentiment_score":0.3180958032608032},{"text":"I can put you down for, like, three months or, like, quarterly catch up as part of, like, your service there.","start":1465.62,"end":1473.345,"sentiment":"neutral","sentiment_score":0.19034793511742637},{"text":"So, hopefully, every sort of three months or so, someone reaches out and has a bit of a discussion around everything.","start":1473.345,"end":1477.765,"sentiment":"neutral","sentiment_score":0.16979768375555673}],"sentiment":"neutral","sentiment_score":-0.023833578907781178,"num_words":90,"start":1414.61,"end":1477.765},{"sentences":[{"text":"In regards to that, obviously, with the the underlying asset within Bennelong, that happened quite quickly.","start":1477.905,"end":1482.89,"sentiment":"neutral","sentiment_score":-0.017145220539532602},{"text":"And then, obviously, the business, they always had to review that and everything before they sent out the newsletter in regards to their stance on what was happening.","start":1482.89,"end":1490.27,"sentiment":"neutral","sentiment_score":-0.05361622671729752},{"text":"Prior to that, Bennelong probably wasn't performing, like, to the extent of what you might want for the cost you pay for an actively managed fund, but there wasn't by any means, like, having negative returns.","start":1490.41,"end":1500.1349,"sentiment":"neutral","sentiment_score":-0.230203187920981},{"text":"It was just sort of a slow potential recovery sort of getting that eight percent sort of onward from from COVID, which isn't sort of still horrible.","start":1500.355,"end":1508.615,"sentiment":"negative","sentiment_score":-0.434816829584263},{"text":"And then with that, obviously, if that's still doing, you know, 8% plus the rest of your portfolio, your portfolio as a whole would still be doing quite well or was doing quite well along those that timeline.","start":1510.21,"end":1519.89,"sentiment":"neutral","sentiment_score":0.17669676450130187}],"sentiment":"neutral","sentiment_score":-0.10405841372136412,"num_words":145,"start":1477.905,"end":1519.89},{"sentences":[{"text":"So people looking at that would be like with it's still gonna perform well over the long term.","start":1519.89,"end":1524.0499,"sentiment":"neutral","sentiment_score":0.22952576478322348},{"text":"Obviously, in regards to the underlying asset, no one could sort of tell that they weren't reporting correctly and then have that information to be able to get out of Ben Long preemptively, if that makes sense.","start":1524.0499,"end":1535.635,"sentiment":"neutral","sentiment_score":-0.1623872053381559},{"text":"Feel free to take your time, have a read through it, take the weekend, you know, read through the document, come back with any questions you might have.","start":1548.03,"end":1555.365,"sentiment":"positive","sentiment_score":0.3872517741152218},{"text":"There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio.","start":1555.365,"end":1562.745,"sentiment":"positive","sentiment_score":0.3630862667642791},{"text":"So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash.","start":1563.925,"end":1574.5801,"sentiment":"neutral","sentiment_score":-0.1292614444363408}],"sentiment":"neutral","sentiment_score":0.09278411345154632,"num_words":153,"start":1519.89,"end":1574.5801},{"sentences":[{"text":"So with that, if the markets do go back up, you're potentially buying at a bit higher of a price.","start":1574.9601,"end":1579.04,"sentiment":"neutral","sentiment_score":-0.08585421796888112},{"text":"If it takes a bit of a dive, you will buy it at a bit of a lower price.","start":1579.04,"end":1582.02,"sentiment":"neutral","sentiment_score":-0.026054542707769496},{"text":"Just with how volatile everything is at the moment, that's something to just be aware of there as well.","start":1583.985,"end":1588.165,"sentiment":"neutral","sentiment_score":-0.14463046938180923},{"text":"And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach.","start":1588.785,"end":1597.92,"sentiment":"neutral","sentiment_score":0.06507692041878517},{"text":"But like you said, before, it does come at a higher cost.","start":1597.92,"end":1600.48,"sentiment":"neutral","sentiment_score":-0.042398725325862564}],"sentiment":"neutral","sentiment_score":-0.03934254543855786,"num_words":96,"start":1574.9601,"end":1600.48},{"sentences":[{"text":"We looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years.","start":1600.48,"end":1614.205,"sentiment":"neutral","sentiment_score":0.1888707349436325},{"text":"But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all?","start":1616.9049,"end":1627.04,"sentiment":"neutral","sentiment_score":0.07339753258612848},{"text":"Yeah.","start":1638.395,"end":1638.7151,"sentiment":"neutral","sentiment_score":0.25098907947540283},{"text":"So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change.","start":1638.7151,"end":1644.8151,"sentiment":"positive","sentiment_score":0.40768835005851894},{"text":"Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no.","start":1645.8351,"end":1652.07,"sentiment":"neutral","sentiment_score":0.028400469571352005}],"sentiment":"neutral","sentiment_score":0.168711949722702,"num_words":147,"start":1600.48,"end":1652.07},{"sentences":[{"text":"I just wanna, you know, move on it.","start":1652.07,"end":1654.1499,"sentiment":"neutral","sentiment_score":0.01033091708086431},{"text":"Yeah.","start":1654.1499,"end":1654.5499,"sentiment":"neutral","sentiment_score":0.10844352841377258},{"text":"So I don't wanna pressure you into, you know, putting on paper now, making a change, and then have you fell down and move out anyway because then you're just paying more costs in regards to investment changes.","start":1654.5499,"end":1662.33,"sentiment":"neutral","sentiment_score":-0.25010948902682256},{"text":"So I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there.","start":1662.905,"end":1670.845,"sentiment":"positive","sentiment_score":0.6369437411427498},{"text":"And then from that, if you were happy, then, obviously, if you sign the document, they'll get that implemented for you.","start":1670.905,"end":1676.105,"sentiment":"positive","sentiment_score":0.4436881627355303}],"sentiment":"neutral","sentiment_score":0.2359456606036811,"num_words":108,"start":1652.07,"end":1676.105},{"sentences":[{"text":"As far as the estate planning side of things, obviously, we're recommending setting up a will, power of attorney, and then also changing the nomination from the sister to just your will to be able to nominate, you know, things like your your sister and family members in the event of how your estate is settled settled.","start":1676.105,"end":1692.24,"sentiment":"neutral","sentiment_score":0.21125693279400207},{"text":"But as long as you're aware of that and you're happy doing that in your own time, that's more than fine as well.","start":1692.24,"end":1697.455,"sentiment":"positive","sentiment_score":0.503315727347913},{"text":"It's more than a reminder than anything.","start":1697.455,"end":1699.395,"sentiment":"neutral","sentiment_score":0.2724984458514622},{"text":"Obviously, the adviser fee is based on that 1.65%.","start":1700.575,"end":1703.375,"sentiment":"neutral","sentiment_score":0.15753378719091415},{"text":"As long as you're aware of that, that's fine as well.","start":1703.375,"end":1705.795,"sentiment":"neutral","sentiment_score":0.2964538484811783}],"sentiment":"neutral","sentiment_score":0.2822821723105751,"num_words":107,"start":1676.105,"end":1705.795},{"sentences":[{"text":"And then just in regards to how it would be implemented if you did sign it or if you would do those investments switch for you, but then the estate planning side of things is up to you to implement at the time of day.","start":1705.9349,"end":1717.11,"sentiment":"neutral","sentiment_score":0.21896069745222727},{"text":"And then if you did wanna make any amendments to the advice or not proceed, that's more than fine as well.","start":1717.57,"end":1722.815,"sentiment":"neutral","sentiment_score":0.23510059891712098},{"text":"So at the moment, the only way it comes down is if your partner is on board, it drops down to 1.1% as like a coupling fee.","start":1738.57,"end":1746.91,"sentiment":"neutral","sentiment_score":0.054132639120022454},{"text":"But at the moment, it's still sitting at just that 1.65.","start":1748.105,"end":1751.3049,"sentiment":"neutral","sentiment_score":-0.04763546111908826},{"text":"I believe in future, they are reviewing it as a whole and reviewing the tiers to space them out a little bit more in regards to lower versus higher balances, but I'm not too sure when that would be bringing that out, if that makes sense.","start":1751.3049,"end":1763.69,"sentiment":"neutral","sentiment_score":0.031746804552233734}],"sentiment":"neutral","sentiment_score":0.1145885877062877,"num_words":150,"start":1705.9349,"end":1763.69},{"sentences":[{"text":"Yeah.","start":1773.685,"end":1774.005,"sentiment":"neutral","sentiment_score":0.08804111182689667},{"text":"And, obviously, it's a bit above me in regards to making that change.","start":1774.005,"end":1778.265,"sentiment":"neutral","sentiment_score":-0.0480906877380151},{"text":"If you do feel like that is the only thing hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that.","start":1778.325,"end":1794.04,"sentiment":"neutral","sentiment_score":-0.19480481665385396},{"text":"Yeah.","start":1798.8351,"end":1799.3351,"sentiment":"neutral","sentiment_score":-0.021256379783153537},{"text":"Yeah.","start":1806.035,"end":1806.535,"sentiment":"neutral","sentiment_score":0.005791131407022476}],"sentiment":"neutral","sentiment_score":-0.15967777570428915,"num_words":73,"start":1773.685,"end":1806.535},{"sentences":[{"text":"Yeah.","start":1810.1951,"end":1810.6951,"sentiment":"neutral","sentiment_score":0.016633836552500725},{"text":"Yep.","start":1823.505,"end":1824.005,"sentiment":"neutral","sentiment_score":0.07532898336648941},{"text":"That's not a problem at all.","start":1834.145,"end":1835.265,"sentiment":"neutral","sentiment_score":0.26427148779233295},{"text":"You know?","start":1835.265,"end":1835.505,"sentiment":"neutral","sentiment_score":0.0650373212993145},{"text":"And, yeah, like I said, it's a bit above me.","start":1835.505,"end":1837.36,"sentiment":"neutral","sentiment_score":-0.02637761738151312}],"sentiment":"neutral","sentiment_score":0.07719451077282428,"num_words":20,"start":1810.1951,"end":1837.36},{"sentences":[{"text":"Obviously, I can't make that change, but, you know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something.","start":1837.36,"end":1852.645,"sentiment":"neutral","sentiment_score":-0.09878734603035645},{"text":"But as I said, that's a little bit above my pay grade.","start":1852.645,"end":1855.525,"sentiment":"neutral","sentiment_score":-0.23081818098823229},{"text":"I can't make those decisions.","start":1855.525,"end":1856.8049,"sentiment":"neutral","sentiment_score":-0.31806644797325134},{"text":"But do you have any other questions in regards to that investment update or anything there, you know, or in regards to the appendix with the Australian super comparisons there for you?","start":1856.8049,"end":1867.48,"sentiment":"neutral","sentiment_score":0.07025662588421255},{"text":"Yeah.","start":1879.235,"end":1879.475,"sentiment":"neutral","sentiment_score":0.03881381079554558}],"sentiment":"neutral","sentiment_score":-0.0729653394638418,"num_words":111,"start":1837.36,"end":1879.475},{"sentences":[{"text":"And as I said, there's no rush.","start":1879.475,"end":1881.335,"sentiment":"neutral","sentiment_score":0.06860647350549698},{"text":"You might get someone that will call and follow-up to see if you do have any questions in regards to that in the meantime if they don't hear from you.","start":1881.395,"end":1887.9551,"sentiment":"neutral","sentiment_score":0.05319197637339433},{"text":"But I don't think there'll be sort of any sort of rush to be calling you tomorrow or anything like that.","start":1887.9551,"end":1892.28,"sentiment":"neutral","sentiment_score":-0.16772699231902757},{"text":"So that's perfectly fine.","start":1892.28,"end":1893.8,"sentiment":"neutral","sentiment_score":0.25137785635888577},{"text":"But, yeah, feel free to read through the documents, come back with any questions you do have, and then you can get booked back in for another conversation if you feel like you need that or if you need any assistance with anything else, feel free to just reach out there.","start":1893.8,"end":1905.1951,"sentiment":"neutral","sentiment_score":0.22209126838282042}],"sentiment":"neutral","sentiment_score":0.0963354325663727,"num_words":113,"start":1879.475,"end":1905.1951},{"sentences":[{"text":"No problem at all, Hina.","start":1907.8151,"end":1908.6951,"sentiment":"positive","sentiment_score":0.7642394661903381},{"text":"You enjoy the rest of your day.","start":1908.6951,"end":1909.495,"sentiment":"positive","sentiment_score":0.8379595449992588},{"text":"Thanks for your time this morning.","start":1909.495,"end":1910.795,"sentiment":"positive","sentiment_score":0.8384464780489603},{"text":"Bye.","start":1912.295,"end":1912.795,"sentiment":"neutral","sentiment_score":-0.1019226685166359}],"sentiment":"positive","sentiment_score":0.7692458076696647,"num_words":19,"start":1907.8151,"end":1912.795}]}}]},{"alternatives":[{"transcript":"Hello. This is Tina speaking. Yeah. Good. Thanks. How are you? Yes. Yes. That would be great. Yes. It's connected to the date of birth is 03/28/1993. Current address is for what what am I living? Oh my god. 4 Uxbridge Avenue, Tom Carter. No. No. Yep. At icloud dot com. Yes. Okay. Okay. Okay. Okay. Sure. So I'm just opening it now. Alright. Yep. So I have it in front of me. Is there anything I don't know. I'm assuming everything that was discussed previously is in this. Are there anything yeah. I guess, like, is there anything that, I don't know, that's not that has never really been mentioned or yep. Yes. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Yes. I I don't yeah. Apparently, I don't have any, like, wheel in place or anything. So I think yeah. I think that's what I put in quite a long time ago, but I'm happy to just leave it as is for now. Whatever that I put in. Yeah. Yes. Zena is my sibling, but I was told that to, yeah, to put in siblings, like, I need to actually do the do the will, and I haven't done that. So, yeah, I'm happy to just leave it. Yeah. Mhmm. Yep. Mhmm. Mhmm. Okay. Oh, thank you. Mhmm. Right. Sorry. Sorry. Could you just explain that part? The 2,000, it comes from what? Sorry. Mhmm. Right. Right. Okay. Right. Okay. Sure. Alright. Mhmm. Yes. Okay. Mhmm. Yep. Okay. That alone. Yep. Mhmm. Uh-huh. Okay. Yeah. I can see that iShares S and P 500 is being reduced from 32% weight to 24.75. What's the reasoning behind that? Right. Sorry. In when you say active, could you explain what that means? Yep. Yes. Right. Okay. Okay. I see. Yep. And are there sorry. This might be a silly question, but are there, like, like, higher, I guess? I don't know if there are any extra fees for those kind of funds or not necessarily. Yeah. I am looking at that. I'm wondering the current and the recommended difference for the adviser service fees, and it's Right. Yep. Okay. Yep. Sorry. I'm just kind of yes. Yes. It does. Thank you for explaining. I'm just, yeah, currently looking at that page a bit more closely. Yep. I see. Okay. Let's see. Again, sorry. This might be a silly question, but do do do you if I'm new with some places like Australian Super, Do you know, like, what the adviser service fee is like? Right. And Yes. I'm sorry. Sorry. When you say appendix, what where is that? Sorry. Oh. Oh, yes. Sorry. In the bottom. Yes. Sorry about that. Yes. Right. Yeah. Yeah. I think one of the things, I guess, like, my balance, you know, isn't terribly high, and I wondered whether the fee is I guess, like, when you when there's, you know, when people are near retirement and they, you know, have saved quite a fair deal and then put it into a for a lot much longer period of time, But then it would make, I guess, a much more bigger bigger of a difference, I suppose, and having, yeah, your your help. And I think, yeah, I think I just I don't know. I think I'm just wavering at the moment. Yeah. Yep. Okay. I'm not hard to make this decision at this stage. Is it a thirty Yes. Okay. Yes. Yeah. Of course. Yep. Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super. In fact, then I'm still happy to, I guess, continue with your services. It's just yeah. I think it was just like a lack of confidence that I just felt. But, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it. Yes. Yeah. No. I understand. But, yeah, I think yeah. I just want to be because I don't like, yes, you guys send newsletters, but, you know, in terms of that long, I think I've mentioned this, but I wish, you know, it was mentioned at end of the year when or not end of the year, but at the previous, like, what could possibly like, what was kind of already starting to happen. And I don't mind getting, like, information, like, through a phone call rather than getting a newsletter. And I think yeah. So I think that's just something to kind of yeah. That I want moving forward. If anything Yep. Yep. Okay. So I guess, yeah, we can go forward with it with what you guys have provided. Mhmm. Yep. Yep. No. I think I just have to have a, you know, closer read and come back to you guys within thirty days. Exactly. Yeah. Yep. Yep. Yep. Yep. Sure. Yes. I do want, I guess, to ask the adviser, yeah, service fee. Can that change at all or not? Right. Okay. Okay. Sure. Because, yeah, I think that might also make a difference as well definitely for decision making in the future for this. Yeah. Of course. Yeah. Only because, I guess, like, my contribution is relatively on the low side. And so, you know, 1.65%. I mean, to everyone, it's the same percentage, but, like, it it just feels, like quite a lot for what I'm actually, I guess, contributing as well and the income that's coming in. So I think that's the part that is, yeah, I think withholding me as well. So, yeah, I'll I'll think about the I'll think about this part, a bit of a comparison, yeah, and then get back to you guys within thirty days. Yes. Yep. Of course. Yep. No. I appreciate the appendix you guys have provided. It's really great and helpful for me to take a look. So no no questions from me. Just I just need the time. Yep. Mhmm. Okay. Great, Carl. Thank you so much for your help. You too. Thank you, Carl. 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This is Tina speaking. Yeah. Good. Thanks.\n\nHow are you? Yes. Yes. That would be great. Yes.\n\nIt's connected to the date of birth is 03/28/1993. Current address is for what what am I living? Oh my god. 4 Uxbridge Avenue, Tom Carter. No.\n\nNo. Yep. At icloud dot com. Yes. Okay.\n\nOkay. Okay. Okay. Sure. So I'm just opening it now.\n\nAlright. Yep. So I have it in front of me. Is there anything I don't know. I'm assuming everything that was discussed previously is in this.\n\nAre there anything yeah. I guess, like, is there anything that, I don't know, that's not that has never really been mentioned or yep. Yes. Mhmm. Yes.\n\nMhmm. Mhmm. Mhmm. Yes. I I don't yeah.\n\nApparently, I don't have any, like, wheel in place or anything. So I think yeah. I think that's what I put in quite a long time ago, but I'm happy to just leave it as is for now. Whatever that I put in. Yeah.\n\nYes. Zena is my sibling, but I was told that to, yeah, to put in siblings, like, I need to actually do the do the will, and I haven't done that. So, yeah, I'm happy to just leave it. Yeah. Mhmm.\n\nYep. Mhmm. Mhmm. Okay. Oh, thank you.\n\nMhmm. Right. Sorry. Sorry. Could you just explain that part?\n\nThe 2,000, it comes from what? Sorry. Mhmm. Right. Right.\n\nOkay. Right. Okay. Sure. Alright.\n\nMhmm. Yes. Okay. Mhmm. Yep.\n\nOkay. That alone. Yep. Mhmm. Uh-huh.\n\nOkay. Yeah. I can see that iShares S and P 500 is being reduced from 32% weight to 24.75. What's the reasoning behind that? Right.\n\nSorry. In when you say active, could you explain what that means? Yep. Yes. Right.\n\nOkay. Okay. I see. Yep. And are there sorry.\n\nThis might be a silly question, but are there, like, like, higher, I guess? I don't know if there are any extra fees for those kind of funds or not necessarily. Yeah. I am looking at that. I'm wondering the current and the recommended difference for the adviser service fees, and it's Right.\n\nYep. Okay. Yep. Sorry. I'm just kind of yes.\n\nYes. It does. Thank you for explaining. I'm just, yeah, currently looking at that page a bit more closely. Yep.\n\nI see. Okay. Let's see. Again, sorry. This might be a silly question, but do do do you if I'm new with some places like Australian Super, Do you know, like, what the adviser service fee is like?\n\nRight. And Yes. I'm sorry. Sorry. When you say appendix, what where is that?\n\nSorry. Oh. Oh, yes. Sorry. In the bottom.\n\nYes. Sorry about that. Yes. Right. Yeah.\n\nYeah. I think one of the things, I guess, like, my balance, you know, isn't terribly high, and I wondered whether the fee is I guess, like, when you when there's, you know, when people are near retirement and they, you know, have saved quite a fair deal and then put it into a for a lot much longer period of time, But then it would make, I guess, a much more bigger bigger of a difference, I suppose, and having, yeah, your your help. And I think, yeah, I think I just I don't know. I think I'm just wavering at the moment. Yeah.\n\nYep. Okay. I'm not hard to make this decision at this stage. Is it a thirty Yes. Okay.\n\nYes. Yeah. Of course. Yep. Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super.\n\nIn fact, then I'm still happy to, I guess, continue with your services. It's just yeah. I think it was just like a lack of confidence that I just felt. But, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it. Yes.\n\nYeah. No. I understand. But, yeah, I think yeah. I just want to be because I don't like, yes, you guys send newsletters, but, you know, in terms of that long, I think I've mentioned this, but I wish, you know, it was mentioned at end of the year when or not end of the year, but at the previous, like, what could possibly like, what was kind of already starting to happen.\n\nAnd I don't mind getting, like, information, like, through a phone call rather than getting a newsletter. And I think yeah. So I think that's just something to kind of yeah. That I want moving forward. If anything Yep.\n\nYep. Okay. So I guess, yeah, we can go forward with it with what you guys have provided. Mhmm. Yep.\n\nYep. No. I think I just have to have a, you know, closer read and come back to you guys within thirty days. Exactly. Yeah.\n\nYep. Yep. Yep. Yep. Sure.\n\nYes. I do want, I guess, to ask the adviser, yeah, service fee. Can that change at all or not? Right. Okay.\n\nOkay. Sure. Because, yeah, I think that might also make a difference as well definitely for decision making in the future for this. Yeah. Of course.\n\nYeah. Only because, I guess, like, my contribution is relatively on the low side. And so, you know, 1.65%. I mean, to everyone, it's the same percentage, but, like, it it just feels, like quite a lot for what I'm actually, I guess, contributing as well and the income that's coming in. So I think that's the part that is, yeah, I think withholding me as well.\n\nSo, yeah, I'll I'll think about the I'll think about this part, a bit of a comparison, yeah, and then get back to you guys within thirty days. Yes. Yep. Of course. Yep.\n\nNo. I appreciate the appendix you guys have provided. It's really great and helpful for me to take a look. So no no questions from me. Just I just need the time.\n\nYep. Mhmm. Okay. Great, Carl. Thank you so much for your help.\n\nYou too. Thank you, Carl. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":0.96,"sentiment":"neutral","sentiment_score":0.05066982656717301},{"text":"This is Tina speaking.","start":0.96,"end":2.02,"sentiment":"neutral","sentiment_score":0.054406093433499336},{"text":"Yeah.","start":5.68,"end":5.92,"sentiment":"neutral","sentiment_score":0.24344007670879364},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4499264061450958},{"text":"Thanks.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.4986879229545593}],"sentiment":"neutral","sentiment_score":0.1825435757637024,"num_words":8,"start":0.71999997,"end":6.3999996},{"sentences":[{"text":"How are 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that?","start":638.23,"end":649.145,"sentiment":"neutral","sentiment_score":-0.03100192416459322},{"text":"Right.","start":681.25,"end":681.75,"sentiment":"neutral","sentiment_score":0.1108638346195221}],"sentiment":"neutral","sentiment_score":0.03629437740892172,"num_words":25,"start":612.77997,"end":681.75},{"sentences":[{"text":"Sorry.","start":700.43,"end":700.93,"sentiment":"neutral","sentiment_score":-0.05909049138426781},{"text":"In when you say active, could you explain what that means?","start":701.55,"end":705.17,"sentiment":"neutral","sentiment_score":-0.025596652857281944},{"text":"Yep.","start":711.55,"end":712.05,"sentiment":"neutral","sentiment_score":0.007436038460582495},{"text":"Yes.","start":726.395,"end":726.895,"sentiment":"neutral","sentiment_score":0.06502199172973633},{"text":"Right.","start":746.505,"end":747.005,"sentiment":"neutral","sentiment_score":0.04309473931789398}],"sentiment":"neutral","sentiment_score":-0.015006726887077094,"num_words":15,"start":700.43,"end":747.005},{"sentences":[{"text":"Okay.","start":748.825,"end":749.325,"sentiment":"neutral","sentiment_score":0.09747858345508575},{"text":"Okay.","start":758.19995,"end":758.69995,"sentiment":"neutral","sentiment_score":-0.004066618159413338},{"text":"I see.","start":758.83997,"end":759.5,"sentiment":"neutral","sentiment_score":-0.008282618597149849},{"text":"Yep.","start":759.56,"end":760.06,"sentiment":"neutral","sentiment_score":0.00378144346177578},{"text":"And are there sorry.","start":760.51996,"end":762.04,"sentiment":"neutral","sentiment_score":-0.036766426637768745}],"sentiment":"neutral","sentiment_score":-0.007381948331991832,"num_words":9,"start":748.825,"end":762.04},{"sentences":[{"text":"This might be a silly question, but are there, like, like, higher, I guess?","start":762.04,"end":765.765,"sentiment":"neutral","sentiment_score":-0.1513916929917676},{"text":"I don't know if there are any extra fees for those kind of funds or not necessarily.","start":765.765,"end":769.545,"sentiment":"neutral","sentiment_score":-0.2189561540589613},{"text":"Yeah.","start":807.57,"end":808.07,"sentiment":"neutral","sentiment_score":0.08584585785865784},{"text":"I am looking at that.","start":808.45,"end":809.81,"sentiment":"neutral","sentiment_score":0.07413936555385589},{"text":"I'm wondering the current and the recommended difference for the adviser service fees, and it's Right.","start":809.81,"end":866.265,"sentiment":"neutral","sentiment_score":0.03968450543470681}],"sentiment":"neutral","sentiment_score":-0.08962723676044985,"num_words":53,"start":762.04,"end":866.265},{"sentences":[{"text":"Yep.","start":868.005,"end":868.505,"sentiment":"neutral","sentiment_score":0.13697344064712524},{"text":"Okay.","start":884.98,"end":885.48,"sentiment":"neutral","sentiment_score":0.05120639130473137},{"text":"Yep.","start":885.54,"end":885.94,"sentiment":"neutral","sentiment_score":0.021478526294231415},{"text":"Sorry.","start":885.94,"end":886.25995,"sentiment":"neutral","sentiment_score":-0.05007553845643997},{"text":"I'm just kind of 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that.","start":1058.53,"end":1063.9,"sentiment":"neutral","sentiment_score":-0.006132558609048526},{"text":"Yes.","start":1063.9,"end":1064.4,"sentiment":"neutral","sentiment_score":0.2727557122707367},{"text":"Right.","start":1124.295,"end":1124.775,"sentiment":"neutral","sentiment_score":0.16070476174354553},{"text":"Yeah.","start":1124.775,"end":1125.275,"sentiment":"neutral","sentiment_score":0.1554286628961563}],"sentiment":"neutral","sentiment_score":0.08181968384555408,"num_words":7,"start":1057.995,"end":1125.275},{"sentences":[{"text":"Yeah.","start":1125.415,"end":1125.735,"sentiment":"neutral","sentiment_score":-0.018103694543242455},{"text":"I think one of the things, I guess, like, my balance, you know, isn't terribly high, and I wondered whether the fee is I guess, like, when you when there's, you know, when people are near retirement and they, you know, have saved quite a fair deal and then put it into a for a lot much longer period of time, But then it would make, I guess, a much more bigger bigger of a difference, I suppose, and having, yeah, your your help.","start":1125.735,"end":1155.5651,"sentiment":"neutral","sentiment_score":0.15057335124306737},{"text":"And I think, yeah, I think I just I don't know.","start":1155.5651,"end":1160.61,"sentiment":"neutral","sentiment_score":-0.05328084460713647},{"text":"I think I'm just wavering at the moment.","start":1160.61,"end":1162.79,"sentiment":"neutral","sentiment_score":-0.2583308331668377},{"text":"Yeah.","start":1197.6001,"end":1197.975,"sentiment":"neutral","sentiment_score":0.13012483716011047}],"sentiment":"neutral","sentiment_score":0.09626139705734593,"num_words":105,"start":1125.415,"end":1197.975},{"sentences":[{"text":"Yep.","start":1227.365,"end":1227.865,"sentiment":"neutral","sentiment_score":0.2552545964717865},{"text":"Okay.","start":1228.965,"end":1229.465,"sentiment":"neutral","sentiment_score":0.27296051383018494},{"text":"I'm not hard to make this decision at this stage.","start":1237.0,"end":1242.06,"sentiment":"neutral","sentiment_score":0.19685654491186141},{"text":"Is it a thirty Yes.","start":1243.7201,"end":1252.0449,"sentiment":"neutral","sentiment_score":-0.13328661620616913},{"text":"Okay.","start":1252.0449,"end":1252.5449,"sentiment":"neutral","sentiment_score":0.18203243613243103}],"sentiment":"neutral","sentiment_score":0.11179888414012061,"num_words":18,"start":1227.365,"end":1252.5449},{"sentences":[{"text":"Yes.","start":1256.5249,"end":1257.0249,"sentiment":"neutral","sentiment_score":0.2308485805988312},{"text":"Yeah.","start":1278.5751,"end":1278.7351,"sentiment":"neutral","sentiment_score":0.005149798467755318},{"text":"Of course.","start":1278.7351,"end":1279.395,"sentiment":"neutral","sentiment_score":0.023797765374183655},{"text":"Yep.","start":1336.7949,"end":1337.2949,"sentiment":"neutral","sentiment_score":-0.017529398202896118},{"text":"Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super.","start":1338.7,"end":1354.1449,"sentiment":"neutral","sentiment_score":0.06112976129533666}],"sentiment":"neutral","sentiment_score":0.06008806932521494,"num_words":38,"start":1256.5249,"end":1354.1449},{"sentences":[{"text":"In fact, then I'm still happy to, I guess, continue with your services.","start":1354.205,"end":1361.2649,"sentiment":"positive","sentiment_score":0.6464659090225513},{"text":"It's just yeah.","start":1362.5249,"end":1363.29,"sentiment":"neutral","sentiment_score":-0.013608366250991821},{"text":"I think it was just like a lack of confidence that I just felt.","start":1363.29,"end":1366.51,"sentiment":"negative","sentiment_score":-0.5175428773675647},{"text":"But, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it.","start":1366.7301,"end":1374.5901,"sentiment":"positive","sentiment_score":0.45128233163129716},{"text":"Yes.","start":1408.375,"end":1408.875,"sentiment":"neutral","sentiment_score":0.12244462966918944}],"sentiment":"neutral","sentiment_score":0.20609625056385994,"num_words":52,"start":1354.205,"end":1408.875},{"sentences":[{"text":"Yeah.","start":1427.005,"end":1427.325,"sentiment":"neutral","sentiment_score":-0.09545625746250153},{"text":"No.","start":1427.325,"end":1427.565,"sentiment":"neutral","sentiment_score":-0.157804936170578},{"text":"I understand.","start":1427.565,"end":1428.3049,"sentiment":"neutral","sentiment_score":-0.14034297317266464},{"text":"But, yeah, I think yeah.","start":1429.085,"end":1430.9249,"sentiment":"neutral","sentiment_score":-0.1163288801908493},{"text":"I just want to be because I don't like, yes, you guys send newsletters, but, you know, in terms of that long, I think I've mentioned this, but I wish, you know, it was mentioned at end of the year when or not end of the year, but at the previous, like, what could possibly like, what was kind of already starting to happen.","start":1430.9249,"end":1451.24,"sentiment":"neutral","sentiment_score":-0.18855842459015548}],"sentiment":"neutral","sentiment_score":-0.18059357143428229,"num_words":73,"start":1427.005,"end":1451.24},{"sentences":[{"text":"And I don't mind getting, like, information, like, through a phone call rather than getting a newsletter.","start":1451.24,"end":1457.995,"sentiment":"neutral","sentiment_score":0.2468502574107226},{"text":"And I think yeah.","start":1458.375,"end":1460.455,"sentiment":"neutral","sentiment_score":0.3269643187522888},{"text":"So I think that's just something to kind of yeah.","start":1460.455,"end":1463.095,"sentiment":"positive","sentiment_score":0.42381528317928313},{"text":"That I want moving forward.","start":1463.095,"end":1465.115,"sentiment":"positive","sentiment_score":0.5820082545280456},{"text":"If anything Yep.","start":1465.4149,"end":1536.1951,"sentiment":"neutral","sentiment_score":0.28726692994435626}],"sentiment":"positive","sentiment_score":0.34652068064763,"num_words":39,"start":1451.24,"end":1536.1951},{"sentences":[{"text":"Yep.","start":1536.3351,"end":1536.8351,"sentiment":"neutral","sentiment_score":0.2189843952655792},{"text":"Okay.","start":1539.63,"end":1540.13,"sentiment":"positive","sentiment_score":0.3432198762893677},{"text":"So I guess, yeah, we can go forward with it with what you guys have provided.","start":1540.27,"end":1546.93,"sentiment":"positive","sentiment_score":0.5564991552382708},{"text":"Mhmm.","start":1563.245,"end":1563.42,"sentiment":"neutral","sentiment_score":0.02002188004553318},{"text":"Yep.","start":1615.2,"end":1615.36,"sentiment":"neutral","sentiment_score":0.1665516346693039}],"sentiment":"positive","sentiment_score":0.4826382135041058,"num_words":20,"start":1536.3351,"end":1615.36},{"sentences":[{"text":"Yep.","start":1615.36,"end":1615.86,"sentiment":"neutral","sentiment_score":0.18851642310619351},{"text":"No.","start":1628.96,"end":1629.36,"sentiment":"neutral","sentiment_score":-0.13650953769683838},{"text":"I think I just have to have a, you know, closer read and come back to you guys within thirty days.","start":1629.36,"end":1637.525,"sentiment":"neutral","sentiment_score":-0.14123918258008503},{"text":"Exactly.","start":1653.13,"end":1653.63,"sentiment":"neutral","sentiment_score":0.08537733554840088},{"text":"Yeah.","start":1653.85,"end":1654.35,"sentiment":"neutral","sentiment_score":0.14345994591712952}],"sentiment":"neutral","sentiment_score":-0.107407146692276,"num_words":25,"start":1615.36,"end":1654.35},{"sentences":[{"text":"Yep.","start":1662.905,"end":1663.405,"sentiment":"neutral","sentiment_score":-0.06620826572179794},{"text":"Yep.","start":1671.305,"end":1671.6,"sentiment":"positive","sentiment_score":0.3726014494895935},{"text":"Yep.","start":1697.985,"end":1698.48,"sentiment":"neutral","sentiment_score":0.26235634088516235},{"text":"Yep.","start":1723.775,"end":1724.275,"sentiment":"neutral","sentiment_score":0.15786132216453552},{"text":"Sure.","start":1727.0,"end":1727.48,"sentiment":"neutral","sentiment_score":0.17493243515491486}],"sentiment":"neutral","sentiment_score":0.18030865639448165,"num_words":5,"start":1662.905,"end":1727.48},{"sentences":[{"text":"Yes.","start":1727.48,"end":1727.98,"sentiment":"neutral","sentiment_score":0.17596924304962158},{"text":"I do want, I guess, to ask the adviser, yeah, service fee.","start":1729.4,"end":1733.9,"sentiment":"neutral","sentiment_score":0.11221426352858543},{"text":"Can that change at all or not?","start":1735.4,"end":1737.075,"sentiment":"neutral","sentiment_score":0.03859387657472065},{"text":"Right.","start":1761.49,"end":1761.99,"sentiment":"neutral","sentiment_score":0.03295779973268509},{"text":"Okay.","start":1763.97,"end":1764.47,"sentiment":"neutral","sentiment_score":0.15050092339515686}],"sentiment":"neutral","sentiment_score":0.08982528475197879,"num_words":22,"start":1727.48,"end":1764.47},{"sentences":[{"text":"Okay.","start":1764.77,"end":1765.065,"sentiment":"neutral","sentiment_score":0.17759576439857483},{"text":"Sure.","start":1765.5449,"end":1765.705,"sentiment":"neutral","sentiment_score":0.2679339647293091},{"text":"Because, yeah, I think that might also make a difference as well definitely for decision making in the future for this.","start":1765.705,"end":1773.085,"sentiment":"positive","sentiment_score":0.38954599840300425},{"text":"Yeah.","start":1774.585,"end":1775.085,"sentiment":"neutral","sentiment_score":-0.004034493118524551},{"text":"Of course.","start":1778.825,"end":1779.485,"sentiment":"neutral","sentiment_score":-0.0998043529689312}],"sentiment":"neutral","sentiment_score":0.3239366344820995,"num_words":26,"start":1764.77,"end":1779.485},{"sentences":[{"text":"Yeah.","start":1794.27,"end":1794.77,"sentiment":"neutral","sentiment_score":-0.027543500065803528},{"text":"Only because, I guess, like, my contribution is relatively on the low side.","start":1795.605,"end":1799.705,"sentiment":"neutral","sentiment_score":-0.022092633952315036},{"text":"And so, you know, 1.65%.","start":1799.765,"end":1804.005,"sentiment":"neutral","sentiment_score":-0.0020981244742870326},{"text":"I mean, to everyone, it's the same percentage, but, like, it it just feels, like quite a lot for what I'm actually, I guess, contributing as well and the income that's coming in.","start":1804.005,"end":1816.62,"sentiment":"neutral","sentiment_score":0.017077882999949383},{"text":"So I think that's the part that is, yeah, I think withholding me as well.","start":1816.62,"end":1822.38,"sentiment":"neutral","sentiment_score":-0.12631980553269387}],"sentiment":"neutral","sentiment_score":-0.024723362803125558,"num_words":67,"start":1794.27,"end":1822.38},{"sentences":[{"text":"So, yeah, I'll I'll think about the I'll think about this part, a bit of a comparison, yeah, and then get back to you guys within thirty days.","start":1822.38,"end":1833.695,"sentiment":"neutral","sentiment_score":0.09030588223998036},{"text":"Yes.","start":1839.03,"end":1839.53,"sentiment":"neutral","sentiment_score":-0.024296119809150696},{"text":"Yep.","start":1852.9501,"end":1853.265,"sentiment":"neutral","sentiment_score":-0.092091366648674},{"text":"Of course.","start":1856.0651,"end":1856.545,"sentiment":"neutral","sentiment_score":-0.31364990770816803},{"text":"Yep.","start":1856.545,"end":1857.045,"sentiment":"neutral","sentiment_score":0.026753580197691917}],"sentiment":"neutral","sentiment_score":0.05489790851645397,"num_words":33,"start":1822.38,"end":1857.045},{"sentences":[{"text":"No.","start":1868.07,"end":1868.57,"sentiment":"neutral","sentiment_score":0.10067372769117355},{"text":"I appreciate the appendix you guys have provided.","start":1868.63,"end":1871.45,"sentiment":"positive","sentiment_score":0.41432227939367294},{"text":"It's really great and helpful for me to take a look.","start":1871.9099,"end":1874.7899,"sentiment":"positive","sentiment_score":0.638802707195282},{"text":"So no no questions from me.","start":1874.7899,"end":1876.71,"sentiment":"neutral","sentiment_score":0.208301509420077},{"text":"Just I just need the time.","start":1876.71,"end":1878.65,"sentiment":"neutral","sentiment_score":0.11968237658341725}],"sentiment":"positive","sentiment_score":0.38781203306280077,"num_words":32,"start":1868.07,"end":1878.65},{"sentences":[{"text":"Yep.","start":1892.405,"end":1892.79,"sentiment":"neutral","sentiment_score":0.14326409995555878},{"text":"Mhmm.","start":1892.79,"end":1893.29,"sentiment":"neutral","sentiment_score":0.14388251304626465},{"text":"Okay.","start":1899.2505,"end":1899.7505,"sentiment":"neutral","sentiment_score":0.14304184913635254},{"text":"Great, Carl.","start":1905.7909,"end":1906.1909,"sentiment":"positive","sentiment_score":0.8224300146102905},{"text":"Thank you so much for your help.","start":1906.1909,"end":1907.731,"sentiment":"positive","sentiment_score":0.8698461736951556}],"sentiment":"positive","sentiment_score":0.6803309756020705,"num_words":12,"start":1892.405,"end":1907.731},{"sentences":[{"text":"You too.","start":1910.351,"end":1910.8309,"sentiment":"positive","sentiment_score":0.5663262903690338},{"text":"Thank you, Carl.","start":1910.8309,"end":1911.5509,"sentiment":"positive","sentiment_score":0.7093891898790995},{"text":"Bye.","start":1911.5509,"end":1912.0509,"sentiment":"positive","sentiment_score":0.49764037132263184}],"sentiment":"positive","sentiment_score":0.6264100869496664,"num_words":6,"start":1910.351,"end":1912.0509}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Tina speaking.\n\nChannel 0: Good morning, Hina. It's Carl calling from Ophi Financial. How are you today?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for that statement of advice presentation\n\nChannel 1: Yes.\n\nChannel 0: this morning.\n\nChannel 1: Yes. That would be great.\n\nChannel 0: Perfect. Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please?\n\nChannel 1: Yes. It's connected to the date of birth is 03/28/1993. Current address is for what what am I living? Oh my god. 4 Uxbridge Avenue, Tom Carter.\n\nChannel 0: Yep. Alright. Perfect. Not a problem at all. It's okay.\n\nIt's a bit early in the morning. So and then in regards to your personal information, everything that was discussed previously, can I just confirm that is all accurate and up to date? So you haven't sort of had any major changes since we last\n\nChannel 1: No.\n\nChannel 0: spoke?\n\nChannel 1: No.\n\nChannel 0: Perfect. So we'll be sending this out to your email there, Henako dot\n\nChannel 1: Yep.\n\nChannel 0: f@iCloud.com.\n\nChannel 1: At icloud dot com. Yes.\n\nChannel 0: Yep. Perfect. So I'll send that through now, and hopefully that comes through very shortly there. Within regards to that one, you will is it's quite a simple advice piece in terms of just looking at the investment updates. You'll have the appendix.\n\nYou'll have the statement of advice. You'll have OQ services guide and OQ financial services guide,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Okay.\n\nChannel 0: then just the PDF for your your current superannuation fund there as well. And then we can run through the the statement advice that you'd say. And any questions you have in regards to that, feel free to let me know. Otherwise, you can take it away, have a read\n\nChannel 1: Okay.\n\nChannel 0: through it, and come back with any questions you might have.\n\nChannel 1: Okay. Sure. So I'm just opening it now. Alright. Yep.\n\nSo I have it in front of me. Is there anything I don't know. I'm assuming everything that was discussed previously is in this.\n\nChannel 0: In regards to just, like, personal\n\nChannel 1: Are\n\nChannel 0: information\n\nChannel 1: there anything\n\nChannel 0: and\n\nChannel 1: yeah. I guess, like, is there anything that, I don't know, that's not that has never really been mentioned or\n\nChannel 0: No. It it is quite, as I said, straightforward.\n\nChannel 1: yep.\n\nChannel 0: So it was finalized there on the March 30 in regards to when it\n\nChannel 1: Yes.\n\nChannel 0: was created to a previous. It's created for yourself by myself and the team there as an authorized representative of Oakview Financial. I know you did also have a conversation with Tommy, and we're still\n\nChannel 1: Mhmm.\n\nChannel 0: happy\n\nChannel 1: Yes.\n\nChannel 0: to receive the document in regards to the update. So, obviously, with\n\nChannel 1: Mhmm.\n\nChannel 0: the best interest, Judy, we always aim to put you in a better position than what you were currently in as part of, like, our duty as advisers. As far as the advice itself, it is pertaining just to the superannuation side of things. So we had a look at your superannuation fund, the investments, and then also we just included the estate planning side of things just given that you don't have a current will in place just as a reminder to get that done. As far as stuff that we did discuss that we're not considering as part of the advice was insurances. You're happy having no insurances.\n\nYou're budgeting\n\nChannel 1: Mhmm.\n\nChannel 0: and savings with having the property and the debt and things like that. You're happy managing that yourself with the way you're traveling currently with your your work and stuff.\n\nChannel 1: Mhmm.\n\nChannel 0: So there is a limited advice warning. Basically, it's saying that we're only providing advice on the superannuation estate planning side of things. And then as far as the advice itself, it's quite straightforward in terms to what we're recommending. So we are recommending that you retain your net wealth superannuation and then change your underlying investments and then establish a new beneficiary nomination because I believe you have your mother from memory as your nomination for your superannuation fund.\n\nChannel 1: Yes. I I don't yeah. Apparently, I don't have any, like, wheel in place or anything. So I think yeah. I think that's what I put in quite a long time ago, but I'm happy to just leave it as is for now.\n\nWhatever that\n\nChannel 0: Yeah.\n\nChannel 1: I put in. Yeah.\n\nChannel 0: I'll just quickly grab it. Susanna.\n\nChannel 1: Yes. Zena is my sibling, but I was told\n\nChannel 0: Oh,\n\nChannel 1: that to,\n\nChannel 0: Sibon.\n\nChannel 1: yeah, to put in siblings, like, I need to actually do the do the will, and I haven't done that. So, yeah, I'm\n\nChannel 0: Yeah.\n\nChannel 1: happy to just leave it. Yeah.\n\nChannel 0: Not a problem. So as part of that recommendation, apologies, I mixed up your email and sibling, but it's basically, yeah, to make sure you have a valid nomination that has to meet the SIS requirement. So, yeah, once you get around to sample bill, and then you can do your legal personal representative through that to be able to establish that, which is what we've recommended there or, you know, at such time, if you have, like, children, your partner, things like that that you wanna nominate, you can sort of they all fall under that nomination.\n\nChannel 1: Mhmm.\n\nChannel 0: On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and\n\nChannel 1: Yep.\n\nChannel 0: then also your assets and liabilities.\n\nChannel 1: Mhmm.\n\nChannel 0: In regards to the home, it's just listed as, like, the full value, but, obviously, it's 50% liability and ownership between you and your your sister there, which is fine. As far as the risk profile, we're still keeping in a high growth. It's what you scored and what you're sort of comfortable moving with forward. Given your age and time to retirement, you can more than afford to take on that level of risk of around that nine percent growth as it's around 10% defensive, if that makes sense.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when getting to the superannuation recommendation part, also in the appendix, we did do some comparisons there for you\n\nChannel 1: Okay.\n\nChannel 0: in regards to Australian super just\n\nChannel 1: Oh,\n\nChannel 0: so you\n\nChannel 1: thank\n\nChannel 0: can have\n\nChannel 1: you.\n\nChannel 0: a look there based on sort of your past performance of your current fund versus the high growth in Australian super versus what we're recommending versus the high growth in Australian super there as well. Just do you be able to review? Obviously, with regards to industry funds, when you do go and just select, like, default options, generally, they're around the growth sort of mark. So that's something to be mindful of if you do decide to to leave and open an industry fund that making sure that your investments are aligned with what you sort of want in regards\n\nChannel 1: Mhmm.\n\nChannel 0: to that risk and allocation there to the the market and the growth assets. So with that, obviously, we did recommend retaining net wealth, and that's for a few reasons. Not only is it still like a a valued fund in the market in the retail space in terms of, like, the features offered, the the capabilities in regards to providing advice. But in addition to that one, you do have about a $2,000 tax liability with CGT if you were to sort of sell down and move out, which is going to be mindful of if you did leave. That is also illustrated in the appendix there for you to have a look at moving to Australian Super, what that does look like.\n\nNow\n\nChannel 1: Right. Sorry. Sorry. Could you just explain that part? The 2,000, it comes from what?\n\nSorry.\n\nChannel 0: so the way industry fund works, a lot of them are unitized to where you buy the unit price, and\n\nChannel 1: Mhmm.\n\nChannel 0: that the taxes are built into the unit price. Whereas\n\nChannel 1: Right.\n\nChannel 0: when you have, like, direct shares and ETFs with the retail platforms, the CGT is paid upon, like, sale or sell down of the funds. And then\n\nChannel 1: Right.\n\nChannel 0: with the growth you've had in your superannuation, it's sitting around the $2,000 mark. You sold everything to cash. That's sort of around the mark, like, based on when this was done of how much you'd have to pay or, like, it would come out of it, the superannuation balance for the tax liability for capital gain.\n\nChannel 1: Okay. Right.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Sure. Alright.\n\nChannel 0: It's not like an out of pocket cost. It's just on the growth that you've earned from those\n\nChannel 1: Mhmm.\n\nChannel 0: assets because, yeah, obviously, like, you're holding, you know, shares and ETFs that do have that growth, and, unfortunately, the government does want their share of that.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, the way industry funds work, it, yeah, built into the unit price upon on sales. You don't have to worry about it as much in regards to that. But, yeah, a bit bit different on a retail platform. And with retaining that, obviously, you still have the usability of Netwealth, their reporting features, all the access you have currently to be able to review and monitor your superannuation. I'm not too sure how much you have been doing that probably a bit more recently than past, but the reporting tools are still quite good,\n\nChannel 1: Okay.\n\nChannel 0: especially moving\n\nChannel 1: Mhmm.\n\nChannel 0: forward. If you were to stay on board, you can sort of, you know, pay a bit more attention to what is going on and the reports that you can\n\nChannel 1: Yep.\n\nChannel 0: generate to be able to see what is happening with your superannuation and come back with any concerns you might have. Now the the recommendation with the update there as well, obviously, it's to remove that key portion there of that Benelon holding\n\nChannel 1: Okay. That\n\nChannel 0: that\n\nChannel 1: alone.\n\nChannel 0: hasn't been\n\nChannel 1: Yep.\n\nChannel 0: performing too well for you. That obviously is quite a key weighting in your current portfolio, and the risk that comes with that is quite high with the manager risk of having, like, 30% in an actively managed fund between someone that makes those decisions and something that isn't an index because you're just tracking whatever performance metrics that they have to be able to try and outperform the market. And, obviously, with Penalong there, at the end of the year, they obviously made some wrong decisions in regards to certain underlying investments in addition to, obviously, the war has caused portfolios as a whole to take a little bit of a dip. So with\n\nChannel 1: Mhmm.\n\nChannel 0: the update, not only is it removing that underperforming asset, it's sort of allocating the rest of your portfolio to other investments that not only is heavily weighted. So when one of those assets don't have quite a good year, it isn't heavily expected on your portfolio. It increases your diversification across different areas,\n\nChannel 1: Uh-huh.\n\nChannel 0: and it still maintains a portion of active investment, but not to the extent that you've currently got. So you still have a slight ability to potentially out on the market, but it doesn't come with the extreme manager risk of some of those managed portfolios or funds that you previously had with that Benelon. So with the update, there is a JPMorgan Global Research enhanced index. It still is an index, and it is managed to an extent, but that would be your active portion. It's only around 15%, so significantly less than what you had currently with the Benelon.\n\nIn addition to that one, you will be spread across a number of ETFs to help diversify slightly more. It'll also reduce slightly exposure in the S and P 500 to around the 25% mark just to be able to still have that core of your portfolio. It reduces the amount of capital gains you would pay in regards to selling down your whole portfolio and as opposed to still maintaining that core and then sort of having the rest of the portfolio distributed amongst other investments across India, which is like an emerging market. You've got some health\n\nChannel 1: Okay.\n\nChannel 0: care, and then you've got some exposure in Australia both in the RAFI index and the Australian 200. And then you've also still got your defensive portion with the iShares composite bond, and you still hold some gold, which is a bit of a growth and defensive asset.\n\nChannel 1: Yeah. I can see that iShares S and P 500 is being reduced from 32% weight to 24.75.\n\nChannel 0: Yep.\n\nChannel 1: What's the reasoning behind\n\nChannel 0: So that's just to have the allocations across that. So it's not in the sense that they believe that we want to move away from The US market by any\n\nChannel 1: that?\n\nChannel 0: means. It just was to help diversify a little bit more across the other investments. So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly. With that, you'd only be reducing about the 5%, but that also means that you can have a bit of exposure still, like, in the the cybersecurity space still in gold, and then those three would stay. And then you have the exposure in India as an emerging market, health care, and then a nice chunk to allocated to Australian equities there as well.\n\nAnd then still\n\nChannel 1: Right.\n\nChannel 0: maintaining that active component there with the JPMorgan enhanced index, which is the not as active as, like, an actively managed fund as opposed to that because it still is an equity index, but it still is an active component to try and outperform the market somewhat.\n\nChannel 1: Sorry. In when you say active, could you explain what that means?\n\nChannel 0: So the index is a a passive generally, like the S and P 500. That is just the top 500 companies in America\n\nChannel 1: Yep.\n\nChannel 0: at that time. And as companies rise and fall, they fall out of that index, which means you hold them and then you don't. It means that the volatility is normally slightly less because they're just tracking what the market is doing as companies do fall. They fall out. You don't hold that investment.\n\nIt's\n\nChannel 1: Yes.\n\nChannel 0: dynamic in that sense, whereas with the active component, they pick and choose. It's not just based off a set of metrics. It's sort of goes beyond that a little bit and then picking and choosing who falls into that based on their metrics and then also generally some to do with the the indexes as well to pick and choose\n\nChannel 1: Right.\n\nChannel 0: some some winners a bit to be able to try\n\nChannel 1: Okay.\n\nChannel 0: and app on that market, which is what, like, the actively managed Benelon fund was trying to do, but, obviously, they haven't done quite well in the past year there.\n\nChannel 1: Okay. I see. Yep. And are\n\nChannel 0: Yep.\n\nChannel 1: there sorry. This might be a silly question, but are there, like, like, higher, I guess? I don't know if there are any extra fees for those kind of funds or not necessarily.\n\nChannel 0: They do generally carry slightly higher fees. So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending. If you go over the page to the 16, you'll be able to see the cost change difference in the amount of money you're spending currently on the investment fees.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I am looking at that. I'm wondering the current and the recommended difference for the adviser service fees, and it's\n\nChannel 0: so the the way that that's calculated is based on the performance over a year as well. So, obviously, if the fund does, like, what it has done previously with that 13%, which, obviously, rolling averages are you know, they're just a figure at the end of the day because the markets aren't gonna replicate year on year over the next five years as they did previously, but it's based on the calculation of you got the 13%, which likely, especially given the current markets with the war and everything won't occur. We just use that as a metric to be able to illustrate moving forward what that sort of looks like, but it also just calculates into that adviser fee price to give you an understanding of if it did perform 13%, what that would be over the course of twelve months with the growth. So that's why it goes up. It's not in the sense that you're actually charged that.\n\nIt's still based on just the 1.6\n\nChannel 1: Right.\n\nChannel 0: 5% of your balance. But,\n\nChannel 1: Yep.\n\nChannel 0: obviously, if your super does better, the fee does go up. If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure. You're getting charged for the adviser fee, if that makes sense.\n\nChannel 1: Okay. Yep. Sorry. I'm just kind of yes. Yes.\n\nIt does. Thank you for explaining. I'm just, yeah, currently looking at that page a bit more closely.\n\nChannel 0: Yep. So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments. Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains. So that's the reason it's a lot lower. And then with that, their investment fees would be reduced down to about $335 per annum in terms of the investment you do hold and then the recommended portfolio, which would guarantee like, it would save you $365.\n\nSo even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well. It does work out that you would be saving money on your investments. And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon.\n\nChannel 1: Yep. I see. Okay. Let's see. Again, sorry.\n\nThis might be a silly question, but do\n\nChannel 0: No. You're right.\n\nChannel 1: do do you if I'm new with some places like Australian Super, Do you know, like, what the adviser service fee is like?\n\nChannel 0: So within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost\n\nChannel 1: Right.\n\nChannel 0: of, like, holding the investments. So, generally, in industry funds, a lot of the investment fees are\n\nChannel 1: And\n\nChannel 0: higher because they're not actually advising you. They're not actually giving you personalized advice, but it goes into, like, the work they put in for the investments and the the the investments they put together. So, generally, that can be a little bit higher. You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up. So currently, at the moment, in your current form with the amount of active management you do have, it would be cheaper in terms of, like, the investment cost if you were an Australian super.\n\nAnd then obviously, you wouldn't have the adviser fee and then having a platform that isn't as comprehensive as Netwealth, and it's reporting and tracking and being able to view your super. The administration fees and membership fees are generally a bit less When\n\nChannel 1: Yes.\n\nChannel 0: you look\n\nChannel 1: I'm sorry. Sorry. When you say appendix, what where is that? Sorry.\n\nChannel 0: so if you look in the email chain, it's not on the statement of advice. It's a separate document, the appendix to the statement of advice.\n\nChannel 1: Oh. Oh, yes. Sorry. In the bottom. Yes.\n\nSorry about\n\nChannel 0: Yeah. No. No. You're fine. And then if you looked at the the recommended,\n\nChannel 1: that. Yes.\n\nChannel 0: obviously, you still pay more in terms of, like, administration and regards to building advice strategies with, like, transition to retirement, things like that as well. And then the investment fee that we're recommending would be significantly lower than that fee. And then also, you still have to take into account the adviser fee that would be charged with having the the service and the additional services listed in the services guide and financial services guide as you get under that as well and the advice updates you can get. So, obviously, in regards to industry versus retail and having adviser, it is cheaper just to be in industry if you want to sort of just leave it alone and not worry about it and just be happy with what you're you're getting. But if you want to be a little bit more involved and take advantage of the service a little bit more and then make use of sort of the service to where the adviser fee makes sense for you, that's sort of where the decision sort of comes from there as well.\n\nChannel 1: Right. Yeah. Yeah. I think one of the things, I guess, like, my balance, you know, isn't terribly high, and I wondered whether the fee is I guess, like, when you when there's, you know, when people are near retirement and they, you know, have saved quite a fair deal and then put it into a for a lot much longer period of time, But then it would make, I guess, a much more bigger bigger of a difference, I suppose, and having, yeah, your your help. And I think, yeah, I think I just I don't know.\n\nI think I'm just wavering at the moment.\n\nChannel 0: Yeah. And I don't wanna push you sort of either way. Obviously, it is a personal decision at the end of the day whether or not you feel like you're getting enough out of the service to make it worth worthwhile. Obviously, with the percentage figure, it is sort of beneficial in the sense that, like, with the lower balances, you're not just getting charged a higher fee, like you said, for lower balances and not sort of making it worse that you don't feel like you're sort of taking advantage as much as, like, someone that might be, you know, years down the track looking at other investments, investment properties, trying to structure things a little bit differently as opposed to, you know, just paying down your your primary mortgage and then having\n\nChannel 1: Yeah.\n\nChannel 0: your superannuation. So, you know, if you felt like it might be something in the future that you might come back to, that's more than fine as well. Or if it's something that you feel like you might just take a bit more of an interest in, monitor a little bit more, take a little bit more of an interest, like, at your annual review times to sort of see how things are going and asking a few more questions to where you get imparted a little bit more knowledge to be able to make some more informed decisions in regards to your situation as well. That's sort of where some of the value comes from as well.\n\nChannel 1: Yep. Okay. I'm not hard to make this decision at this stage.\n\nChannel 0: Yeah. You don't\n\nChannel 1: Is\n\nChannel 0: have to\n\nChannel 1: it\n\nChannel 0: make\n\nChannel 1: a\n\nChannel 0: the decision at the top. Like, you've got thirty days from this advice,\n\nChannel 1: thirty\n\nChannel 0: yeah, for this to be valid, and then another thirty after that if you confirm your details. So\n\nChannel 1: Yes. Okay.\n\nChannel 0: as I said, you don't have to make a decision on the phone. Feel free to take it away. Have a bit of\n\nChannel 1: Yes.\n\nChannel 0: a read through it. Have a look at the financial services guide and OQ services guide. See if what is on offer as, like, a service you do get as an ongoing client is sort of what you want and if you want that moving forward. And as I said, you know, there's no sort of ill will in regards to if you do decide that you think you're better off elsewhere. We're not gonna sort of try and hold you hostage or anything like that.\n\nWe obviously wanna\n\nChannel 1: Yeah.\n\nChannel 0: know\n\nChannel 1: Of course.\n\nChannel 0: try and do do better to help improve service, feel like people moving forward and things like that as well. But if it is purely sort of the bad deal with the performance, unfortunately, the performance is the one thing that isn't guaranteed with advice. It is unfortunate, but, obviously, no one knows what Trump's gonna do tomorrow, let alone what he's gonna tweak tonight. So with that as well, it's it's hard to just like, you can't guarantee those performances. Obviously, there's research that goes into the recommendations, and I can't sort of pertain to what you discussed yet previously as to why you had such a high allocation in that managed fund, whether it was to go a bit more aggressive, have a bit more of a chance at high growth early on versus, like, a little bit more of a diversified option and sustain, like, a longer term growth given this time to retirement versus, like, being younger and taking on a bit more risk while you're younger because you can afford to sorta be invested longer and take that risk while you're on the younger side of things versus later in life.\n\nChannel 1: Yep. Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super. In fact, then I'm still happy to, I guess, continue with your services. It's just yeah. I think it was just like a lack of confidence that I just felt.\n\nBut, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it.\n\nChannel 0: Yeah. And as I said too, like, obviously, the five year rolling average is what's happened in five past previous years. So it's not really indicative of what might happen in the future, especially with how volatile everything is at the moment. But the guaranteed thing is with the update is you'll still have access to the service. You'll lower those investment costs moving forward, which is a guaranteed savings.\n\nYou'll have a bit more diversification. You'll have a bit more of an allocation to those indexes, which do just track the market, and then you'll have still slight exposure to active management while you're still younger to potentially maybe outperform what the markets are doing in that\n\nChannel 1: Yes.\n\nChannel 0: JPMorgan Global Research. And then it's just a bit more of a balance. You spread across a few more investments. And then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well.\n\nChannel 1: Yeah. No. I understand.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I think yeah. I just want to be because I don't like, yes, you guys send newsletters, but, you know, in terms of that long, I think I've mentioned this, but I wish, you know, it was mentioned at end of the year when or not end of the year, but at the previous, like, what could possibly like, what was kind of already starting to happen. And I don't mind getting, like, information, like, through a phone call rather than getting a newsletter. And I think yeah. So I think that's just something to kind of yeah.\n\nThat I want moving forward.\n\nChannel 0: Yeah.\n\nChannel 1: If anything\n\nChannel 0: I can put you down for, like, three months or, like, quarterly catch up as part of, like, your service there. So, hopefully, every sort of three months or so, someone reaches out and has a bit of a discussion around everything. In regards to that, obviously, with the the underlying asset within Bennelong, that happened quite quickly. And then, obviously, the business, they always had to review that and everything before they sent out the newsletter in regards to their stance on what was happening. Prior to that, Bennelong probably wasn't performing, like, to the extent of what you might want for the cost you pay for an actively managed fund, but there wasn't by any means, like, having negative returns.\n\nIt was just sort of a slow potential recovery sort of getting that eight percent sort of onward from from COVID, which isn't sort of still horrible. And then with that, obviously, if that's still doing, you know, 8% plus the rest of your portfolio, your portfolio as a whole would still be doing quite well or was doing quite well along those that timeline. So people looking at that would be like with it's still gonna perform well over the long term. Obviously, in regards to the underlying asset, no one could sort of tell that they weren't reporting correctly and then have that information to be able to get out of Ben Long preemptively, if that makes sense.\n\nChannel 1: Yep. Yep. Okay. So I guess, yeah, we can go forward with it with what you guys have provided.\n\nChannel 0: Feel free to take your time, have a read through it, take the weekend, you know, read through the document, come back with any questions you might have. There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash. So with that, if the markets do go back up, you're potentially buying at a bit higher of a price. If it takes a bit of a dive, you will buy it at a bit of a lower price. Just with how volatile everything is at the moment, that's something to just be aware of there as well. And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach.\n\nBut like you said, before, it does come at a higher cost. We looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all?\n\nChannel 1: No. I think I just have to have a, you know, closer read and come back to you guys within thirty days.\n\nChannel 0: Yeah. So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change. Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no. I just wanna, you know,\n\nChannel 1: Exactly.\n\nChannel 0: move on\n\nChannel 1: Yeah.\n\nChannel 0: it. Yeah. So I don't wanna pressure you into, you know, putting on paper now, making a change, and then have you fell down and move out anyway because then you're just paying more costs in regards to investment changes.\n\nChannel 1: Yep.\n\nChannel 0: So I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there. And then\n\nChannel 1: Yep.\n\nChannel 0: from that, if you were happy, then, obviously, if you sign the document, they'll get that implemented for you. As far as the estate planning side of things, obviously, we're recommending setting up a will, power of attorney, and then also changing the nomination from the sister to just your will to be able to nominate, you know, things like your your sister and family members in the event of how your estate is settled settled. But as long as you're aware of that and you're happy doing that in your own time, that's more than fine as well. It's more than\n\nChannel 1: Yep.\n\nChannel 0: a reminder than anything. Obviously, the adviser fee is based on that 1.65%. As long as you're aware of that, that's fine as well. And then just in regards to how it would be implemented if you did sign it or if you would do those investments switch for you, but then the estate planning side of things is up to you to implement at the time of day. And then if you did wanna make any amendments to the advice or not proceed, that's more than fine as well.\n\nChannel 1: Yep. Sure. Yes. I do want, I guess, to ask the adviser, yeah, service fee. Can that change at all or not?\n\nChannel 0: So at the moment, the only way it comes down is if your partner is on board, it drops down to 1.1% as like a coupling fee. But at the moment, it's still sitting at just that 1.65. I believe in future, they are reviewing it as a whole and reviewing the tiers to space them out a little bit more in regards to lower versus higher balances, but I'm not too sure when that\n\nChannel 1: Right.\n\nChannel 0: would be bringing that out, if that makes sense.\n\nChannel 1: Okay. Okay. Sure. Because, yeah, I think that might also make a difference as well definitely for decision making in the future for this.\n\nChannel 0: Yeah. And, obviously, it's\n\nChannel 1: Yeah.\n\nChannel 0: a bit above me in regards to making that change. If you do\n\nChannel 1: Of\n\nChannel 0: feel\n\nChannel 1: course.\n\nChannel 0: like that is the only thing hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that.\n\nChannel 1: Yeah. Only because, I guess, like, my contribution is relatively on\n\nChannel 0: Yeah.\n\nChannel 1: the low side. And so, you know, 1.65%. I mean, to everyone, it's the same percentage, but,\n\nChannel 0: Yeah.\n\nChannel 1: like, it it just feels, like quite a lot\n\nChannel 0: Yeah.\n\nChannel 1: for what I'm actually, I guess, contributing as well and the income that's coming in. So I think that's the part that is, yeah, I think withholding me as well. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I'll I'll think about the I'll think about this part, a bit of a comparison, yeah, and then get back to you guys within thirty days.\n\nChannel 0: That's not a problem at all. You know? And, yeah, like I said, it's a bit above me. Obviously, I can't make that change, but, you\n\nChannel 1: Yes.\n\nChannel 0: know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something. But\n\nChannel 1: Yep.\n\nChannel 0: as I said, that's a little bit above my pay grade. I can't make\n\nChannel 1: Of\n\nChannel 0: those\n\nChannel 1: course.\n\nChannel 0: decisions.\n\nChannel 1: Yep.\n\nChannel 0: But do you have any other questions in regards to that investment update or anything there, you know, or in regards to the appendix with the Australian super comparisons there for you?\n\nChannel 1: No. I appreciate the appendix you guys have provided. It's really great and helpful for me to take a look. So no no questions from me. Just I just need the time.\n\nChannel 0: Yeah. And as I said, there's no rush. You might get someone that will call and follow-up to see if you do have any questions in regards to that in the meantime if they don't hear from you. But I don't think there'll be sort of any sort of rush to be calling you tomorrow or anything like that. So\n\nChannel 1: Yep.\n\nChannel 0: that's\n\nChannel 1: Mhmm.\n\nChannel 0: perfectly fine. But, yeah, feel free to read through the documents, come back with any questions you do have, and then you can get booked back in for\n\nChannel 1: Okay.\n\nChannel 0: another conversation if you feel like you need that or if you need any assistance with anything else, feel free to just reach out there.\n\nChannel 1: Great, Carl. Thank you so much for your help.\n\nChannel 0: No problem at all, Hina. You enjoy the rest of your day. Thanks for your time this morning.\n\nChannel 1: You too. Thank you, Carl. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":0.96,"sentiment":"neutral","sentiment_score":0.05066982656717301},{"text":"This is Tina speaking.","start":0.96,"end":2.02,"sentiment":"neutral","sentiment_score":0.054406093433499336}],"sentiment":"neutral","sentiment_score":0.05365884006023407,"channel":1,"num_words":5,"start":0.71999997,"end":2.02},{"sentences":[{"text":"Good morning, Hina.","start":2.72,"end":3.36,"sentiment":"positive","sentiment_score":0.4235521952311198},{"text":"It's Carl calling from Ophi Financial.","start":3.36,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.2434185122450193},{"text":"How are you today?","start":4.88,"end":5.62,"sentiment":"neutral","sentiment_score":0.27818407118320465}],"sentiment":"neutral","sentiment_score":0.29568491876125336,"channel":0,"num_words":13,"start":2.72,"end":5.62},{"sentences":[{"text":"Yeah.","start":5.68,"end":5.92,"sentiment":"neutral","sentiment_score":0.24344007670879364},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4499264061450958},{"text":"Thanks.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.4986879229545593},{"text":"How are you?","start":6.3999996,"end":7.14,"sentiment":"neutral","sentiment_score":0.3064231773217519}],"sentiment":"positive","sentiment_score":0.3518873229622841,"channel":1,"num_words":6,"start":5.68,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.18853849172592163},{"text":"Not too bad at all.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.259737491607666},{"text":"Thanks for asking.","start":8.16,"end":8.88,"sentiment":"positive","sentiment_score":0.5916658441225687},{"text":"I just scheduled in for that statement of advice presentation","start":8.88,"end":11.38,"sentiment":"neutral","sentiment_score":0.24574686139822005}],"sentiment":"neutral","sentiment_score":0.3010364261112715,"channel":0,"num_words":19,"start":7.12,"end":11.38},{"sentences":[{"text":"Yes.","start":11.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.25457435846328735}],"sentiment":"neutral","sentiment_score":0.25457435846328735,"channel":1,"num_words":1,"start":11.2,"end":11.679999},{"sentences":[{"text":"this morning.","start":11.44,"end":12.015,"sentiment":"neutral","sentiment_score":0.22659125924110413}],"sentiment":"neutral","sentiment_score":0.22659125924110413,"channel":0,"num_words":2,"start":11.44,"end":12.015},{"sentences":[{"text":"Yes.","start":11.679999,"end":12.0,"sentiment":"positive","sentiment_score":0.49126267433166504},{"text":"That would be great.","start":12.0,"end":12.885,"sentiment":"positive","sentiment_score":0.7237422466278076}],"sentiment":"positive","sentiment_score":0.6772463321685791,"channel":1,"num_words":5,"start":11.679999,"end":12.885},{"sentences":[{"text":"Perfect.","start":13.8550005,"end":14.175,"sentiment":"positive","sentiment_score":0.5938951969146729},{"text":"Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please?","start":14.175,"end":20.195,"sentiment":"neutral","sentiment_score":0.11234468281269074}],"sentiment":"neutral","sentiment_score":0.13086585643199775,"channel":0,"num_words":26,"start":13.8550005,"end":20.195},{"sentences":[{"text":"Yes.","start":20.405,"end":20.725,"sentiment":"neutral","sentiment_score":0.03226006403565407},{"text":"It's connected to the date of birth is 03/28/1993.","start":20.725,"end":24.564999,"sentiment":"neutral","sentiment_score":0.02442774600866768},{"text":"Current address is for what what am I living?","start":24.564999,"end":30.61,"sentiment":"neutral","sentiment_score":0.011690097136629952},{"text":"Oh my god.","start":30.83,"end":31.73,"sentiment":"neutral","sentiment_score":0.01907087303698063},{"text":"4 Uxbridge Avenue, Tom Carter.","start":32.190002,"end":34.29,"sentiment":"neutral","sentiment_score":0.024192677438259126}],"sentiment":"neutral","sentiment_score":0.019833209579465567,"channel":1,"num_words":27,"start":20.405,"end":34.29},{"sentences":[{"text":"Yep.","start":33.870003,"end":34.370003,"sentiment":"neutral","sentiment_score":0.09958510845899582},{"text":"Alright.","start":34.83,"end":35.33,"sentiment":"neutral","sentiment_score":0.2202579826116562},{"text":"Perfect.","start":35.870003,"end":36.35,"sentiment":"positive","sentiment_score":0.4309122860431671},{"text":"Not a problem at all.","start":36.35,"end":37.39,"sentiment":"positive","sentiment_score":0.3653997540473938},{"text":"It's okay.","start":37.39,"end":37.71,"sentiment":"neutral","sentiment_score":0.31577007472515106}],"sentiment":"neutral","sentiment_score":0.320929429680109,"channel":0,"num_words":10,"start":33.870003,"end":37.71},{"sentences":[{"text":"It's a bit early in the morning.","start":37.71,"end":39.07,"sentiment":"neutral","sentiment_score":0.16928958467074803},{"text":"So and then in regards to your personal information, everything that was discussed previously, can I just confirm that is all accurate and up to date?","start":39.07,"end":48.235,"sentiment":"neutral","sentiment_score":0.18192332639144018},{"text":"So you haven't sort of had any major changes since we 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we'll be sending this out to your email there, Henako dot","start":53.93,"end":57.13,"sentiment":"neutral","sentiment_score":0.1065766029059887}],"sentiment":"neutral","sentiment_score":0.1101262649664512,"channel":0,"num_words":13,"start":53.37,"end":57.13},{"sentences":[{"text":"Yep.","start":56.940002,"end":57.440002,"sentiment":"neutral","sentiment_score":0.06756028532981873}],"sentiment":"neutral","sentiment_score":0.06756028532981873,"channel":1,"num_words":1,"start":56.940002,"end":57.440002},{"sentences":[{"text":"f@iCloud.com.","start":57.13,"end":58.83,"sentiment":"neutral","sentiment_score":0.05038049444556236}],"sentiment":"neutral","sentiment_score":0.05038049444556236,"channel":0,"num_words":1,"start":57.13,"end":58.83},{"sentences":[{"text":"At icloud dot com.","start":58.780003,"end":59.9,"sentiment":"neutral","sentiment_score":0.034351395443081856},{"text":"Yes.","start":59.9,"end":60.4,"sentiment":"neutral","sentiment_score":0.10477243363857268}],"sentiment":"neutral","sentiment_score":0.04843560308218002,"channel":1,"num_words":5,"start":58.780003,"end":60.4},{"sentences":[{"text":"Yep.","start":60.57,"end":60.89,"sentiment":"neutral","sentiment_score":0.16488246619701383},{"text":"Perfect.","start":60.89,"end":61.39,"sentiment":"positive","sentiment_score":0.3567093014717102},{"text":"So I'll send that through now, and hopefully that comes through very shortly there.","start":61.45,"end":65.205,"sentiment":"neutral","sentiment_score":0.2759903882231031},{"text":"Within regards to that one, you will is it's quite a simple advice piece in terms of just looking at the investment updates.","start":65.285,"end":70.885,"sentiment":"neutral","sentiment_score":0.1520252895096074},{"text":"You'll have the 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I'm","start":236.10999,"end":237.79,"sentiment":"neutral","sentiment_score":0.2210306723912557}],"sentiment":"neutral","sentiment_score":0.08013239413823771,"channel":1,"num_words":23,"start":231.06999,"end":237.79},{"sentences":[{"text":"Yeah.","start":237.75,"end":238.25,"sentiment":"positive","sentiment_score":0.45764580368995667}],"sentiment":"positive","sentiment_score":0.45764580368995667,"channel":0,"num_words":1,"start":237.75,"end":238.25},{"sentences":[{"text":"happy to just leave it.","start":237.79,"end":239.06999,"sentiment":"positive","sentiment_score":0.5967961013317108},{"text":"Yeah.","start":239.06999,"end":239.56999,"sentiment":"neutral","sentiment_score":0.22012591361999512}],"sentiment":"positive","sentiment_score":0.5340177367130915,"channel":1,"num_words":6,"start":237.79,"end":239.56999},{"sentences":[{"text":"Not a problem.","start":239.43,"end":239.99,"sentiment":"neutral","sentiment_score":0.28912026683489483},{"text":"So as part of that recommendation, apologies, I mixed up your email and sibling, but it's basically, yeah, to make sure you have a valid nomination that has to meet the SIS requirement.","start":239.99,"end":249.70502,"sentiment":"neutral","sentiment_score":0.15894009439613332},{"text":"So, yeah, once you get around to sample bill, and then you can do your legal personal representative through that to be able to establish that, which is what we've recommended there or, you know, at such time, if you have, like, children, your partner, things like that that you wanna nominate, you can sort of they all fall under that 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behind","start":638.23,"end":639.525,"sentiment":"neutral","sentiment_score":-0.0201691968832165}],"sentiment":"neutral","sentiment_score":-0.0201691968832165,"channel":1,"num_words":4,"start":638.23,"end":639.525},{"sentences":[{"text":"So that's just to have the allocations across that.","start":640.83997,"end":643.39996,"sentiment":"neutral","sentiment_score":0.0009986509879430139},{"text":"So it's not in the sense that they believe that we want to move away from The US market by any","start":643.39996,"end":648.66504,"sentiment":"neutral","sentiment_score":-0.14876560831353777}],"sentiment":"neutral","sentiment_score":-0.10383633052309355,"channel":0,"num_words":30,"start":640.83997,"end":648.66504},{"sentences":[{"text":"that?","start":648.645,"end":649.145,"sentiment":"neutral","sentiment_score":-0.0743328332901001}],"sentiment":"neutral","sentiment_score":-0.0743328332901001,"channel":1,"num_words":1,"start":648.645,"end":649.145},{"sentences":[{"text":"means.","start":648.66504,"end":648.98505,"sentiment":"neutral","sentiment_score":-0.06530345231294632},{"text":"It just was to help diversify a little bit more across the other investments.","start":648.98505,"end":653.405,"sentiment":"neutral","sentiment_score":0.09986304651413645},{"text":"So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly.","start":654.42505,"end":660.75104,"sentiment":"neutral","sentiment_score":-0.1705658948669831},{"text":"With that, you'd only be reducing about the 5%, but that also means that you can have a bit of exposure still, like, in the the cybersecurity space still in gold, and then those three would stay.","start":660.75104,"end":671.59125,"sentiment":"neutral","sentiment_score":-0.20802222011057106},{"text":"And then you have the exposure in India as an emerging market, health care, and then a nice chunk to allocated to Australian equities there as well.","start":671.59125,"end":680.325,"sentiment":"neutral","sentiment_score":0.026744683031682617}],"sentiment":"neutral","sentiment_score":-0.09870562705835072,"channel":0,"num_words":109,"start":648.66504,"end":680.325},{"sentences":[{"text":"And then still","start":680.705,"end":681.34503,"sentiment":"neutral","sentiment_score":0.037382014095783234}],"sentiment":"neutral","sentiment_score":0.037382014095783234,"channel":0,"num_words":3,"start":680.705,"end":681.34503},{"sentences":[{"text":"Right.","start":681.25,"end":681.75,"sentiment":"neutral","sentiment_score":0.1108638346195221}],"sentiment":"neutral","sentiment_score":0.1108638346195221,"channel":1,"num_words":1,"start":681.25,"end":681.75},{"sentences":[{"text":"maintaining that active component there with the JPMorgan enhanced index, which is the not as active as, like, an actively managed fund as opposed to that because it still is an equity index, but it still is an active component to try and outperform the market somewhat.","start":681.34503,"end":699.42004,"sentiment":"neutral","sentiment_score":0.15600371273591163}],"sentiment":"neutral","sentiment_score":0.15600371273591163,"channel":0,"num_words":47,"start":681.34503,"end":699.42004},{"sentences":[{"text":"Sorry.","start":700.43,"end":700.93,"sentiment":"neutral","sentiment_score":-0.05909049138426781},{"text":"In when you say active, could you explain what that means?","start":701.55,"end":705.17,"sentiment":"neutral","sentiment_score":-0.025596652857281944}],"sentiment":"neutral","sentiment_score":-0.0283878060678641,"channel":1,"num_words":12,"start":700.43,"end":705.17},{"sentences":[{"text":"So the index is a a passive generally, like the S and P 500.","start":705.89496,"end":709.735,"sentiment":"neutral","sentiment_score":0.003586187426533018},{"text":"That is just the top 500 companies in America","start":709.735,"end":711.89496,"sentiment":"neutral","sentiment_score":0.04359810178478559}],"sentiment":"neutral","sentiment_score":0.019243023479762283,"channel":0,"num_words":23,"start":705.89496,"end":711.89496},{"sentences":[{"text":"Yep.","start":711.55,"end":712.05,"sentiment":"neutral","sentiment_score":0.007436038460582495}],"sentiment":"neutral","sentiment_score":0.007436038460582495,"channel":1,"num_words":1,"start":711.55,"end":712.05},{"sentences":[{"text":"at that time.","start":711.89496,"end":712.45496,"sentiment":"neutral","sentiment_score":-0.014667666206757227},{"text":"And as companies rise and fall, they fall out of that index, which means you hold them and then you don't.","start":712.45496,"end":717.64996,"sentiment":"neutral","sentiment_score":-0.1381674153464181},{"text":"It means that the volatility is normally slightly less because they're just tracking what the market is doing as companies do fall.","start":717.70996,"end":724.50995,"sentiment":"neutral","sentiment_score":-0.18672829527746548},{"text":"They fall out.","start":724.50995,"end":724.99,"sentiment":"neutral","sentiment_score":-0.27994438012441},{"text":"You don't hold that investment.","start":724.99,"end":726.20996,"sentiment":"neutral","sentiment_score":-0.18981742560863496}],"sentiment":"neutral","sentiment_score":-0.16374928676695735,"channel":0,"num_words":54,"start":711.89496,"end":726.20996},{"sentences":[{"text":"It's","start":726.35,"end":726.58997,"sentiment":"neutral","sentiment_score":-0.007819853723049164}],"sentiment":"neutral","sentiment_score":-0.007819853723049164,"channel":0,"num_words":1,"start":726.35,"end":726.58997},{"sentences":[{"text":"Yes.","start":726.395,"end":726.895,"sentiment":"neutral","sentiment_score":0.06502199172973633}],"sentiment":"neutral","sentiment_score":0.06502199172973633,"channel":1,"num_words":1,"start":726.395,"end":726.895},{"sentences":[{"text":"dynamic in that sense, whereas with the active component, they pick and choose.","start":726.58997,"end":731.845,"sentiment":"neutral","sentiment_score":0.06505883255830178},{"text":"It's not just based off a set of metrics.","start":731.90497,"end":733.925,"sentiment":"neutral","sentiment_score":0.049011764840947256},{"text":"It's sort of goes beyond that a little bit and then picking and choosing who falls into that based on their metrics and then also generally some to do with the the indexes as well to pick and choose","start":734.065,"end":746.7,"sentiment":"neutral","sentiment_score":0.07649048236318123}],"sentiment":"neutral","sentiment_score":0.06999999211459863,"channel":0,"num_words":61,"start":726.58997,"end":746.7},{"sentences":[{"text":"Right.","start":746.505,"end":747.005,"sentiment":"neutral","sentiment_score":0.04309473931789398}],"sentiment":"neutral","sentiment_score":0.04309473931789398,"channel":1,"num_words":1,"start":746.505,"end":747.005},{"sentences":[{"text":"some some winners a bit to be able to try","start":746.7,"end":749.02,"sentiment":"neutral","sentiment_score":0.10566048324108124}],"sentiment":"neutral","sentiment_score":0.10566048324108124,"channel":0,"num_words":10,"start":746.7,"end":749.02},{"sentences":[{"text":"Okay.","start":748.825,"end":749.325,"sentiment":"neutral","sentiment_score":0.09747858345508575}],"sentiment":"neutral","sentiment_score":0.09747858345508575,"channel":1,"num_words":1,"start":748.825,"end":749.325},{"sentences":[{"text":"and app on that market, which is what, like, the actively managed Benelon fund was trying to do, but, obviously, they haven't done quite well in the past year there.","start":749.02,"end":757.965,"sentiment":"neutral","sentiment_score":-0.102991775299112}],"sentiment":"neutral","sentiment_score":-0.102991775299112,"channel":0,"num_words":30,"start":749.02,"end":757.965},{"sentences":[{"text":"Okay.","start":758.19995,"end":758.69995,"sentiment":"neutral","sentiment_score":-0.004066618159413338},{"text":"I see.","start":758.83997,"end":759.5,"sentiment":"neutral","sentiment_score":-0.008282618597149849},{"text":"Yep.","start":759.56,"end":760.06,"sentiment":"neutral","sentiment_score":0.00378144346177578},{"text":"And are","start":760.51996,"end":760.92,"sentiment":"neutral","sentiment_score":-0.01433221623301506}],"sentiment":"neutral","sentiment_score":-0.007585807392994563,"channel":1,"num_words":6,"start":758.19995,"end":760.92},{"sentences":[{"text":"Yep.","start":760.84503,"end":761.34503,"sentiment":"neutral","sentiment_score":-0.014753173105418682}],"sentiment":"neutral","sentiment_score":-0.014753173105418682,"channel":0,"num_words":1,"start":760.84503,"end":761.34503},{"sentences":[{"text":"there sorry.","start":760.92,"end":762.04,"sentiment":"neutral","sentiment_score":-0.05920063704252243},{"text":"This might be a silly question, but are there, like, like, higher, I guess?","start":762.04,"end":765.765,"sentiment":"neutral","sentiment_score":-0.1513916929917676},{"text":"I don't know if there are any extra fees for those kind of funds or not necessarily.","start":765.765,"end":769.545,"sentiment":"neutral","sentiment_score":-0.2189561540589613}],"sentiment":"neutral","sentiment_score":-0.18061029075673132,"channel":1,"num_words":33,"start":760.92,"end":769.545},{"sentences":[{"text":"They do generally carry slightly higher fees.","start":770.45996,"end":773.26,"sentiment":"neutral","sentiment_score":-0.13148320146969386},{"text":"So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending.","start":773.26,"end":794.00494,"sentiment":"positive","sentiment_score":0.48585782405631295},{"text":"If you go over the page to the 16, you'll be able to see the cost change difference in the amount of money you're spending currently on the investment fees.","start":794.70496,"end":806.87,"sentiment":"neutral","sentiment_score":0.27143735413750014}],"sentiment":"positive","sentiment_score":0.37265781062214,"channel":0,"num_words":95,"start":770.45996,"end":806.87},{"sentences":[{"text":"Yeah.","start":807.57,"end":808.07,"sentiment":"neutral","sentiment_score":0.08584585785865784}],"sentiment":"neutral","sentiment_score":0.08584585785865784,"channel":1,"num_words":1,"start":807.57,"end":808.07},{"sentences":[{"text":"So","start":807.57,"end":808.07,"sentiment":"neutral","sentiment_score":0.05993599444627762}],"sentiment":"neutral","sentiment_score":0.05993599444627762,"channel":0,"num_words":1,"start":807.57,"end":808.07},{"sentences":[{"text":"I am looking at that.","start":808.45,"end":809.81,"sentiment":"neutral","sentiment_score":0.07413936555385589},{"text":"I'm wondering the current and the recommended difference for the adviser service fees, and it's","start":809.81,"end":817.16504,"sentiment":"neutral","sentiment_score":0.04275578508774439}],"sentiment":"neutral","sentiment_score":0.05060168020427227,"channel":1,"num_words":20,"start":808.45,"end":817.16504},{"sentences":[{"text":"so the the way that that's calculated is based on the performance over a year as well.","start":817.825,"end":822.705,"sentiment":"neutral","sentiment_score":0.08964226570199518},{"text":"So, obviously, if the fund does, like, what it has done previously with that 13%, which, obviously, rolling averages are you know, they're just a figure at the end of the day because the markets aren't gonna replicate year on year over the next five years as they did previously, but it's based on the calculation of you got the 13%, which likely, especially given the current markets with the war and everything won't occur.","start":822.705,"end":845.945,"sentiment":"neutral","sentiment_score":0.055629503230253854},{"text":"We just use that as a metric to be able to illustrate moving forward what that sort of looks like, but it also just calculates into that adviser fee price to give you an understanding of if it did perform 13%, what that would be over the course of twelve months with the growth.","start":846.565,"end":860.05,"sentiment":"neutral","sentiment_score":0.16560076218512323},{"text":"So that's why it goes up.","start":860.05,"end":861.435,"sentiment":"neutral","sentiment_score":0.1267389307419459},{"text":"It's not in the sense that you're actually charged that.","start":861.675,"end":863.595,"sentiment":"neutral","sentiment_score":-0.20048685222864152}],"sentiment":"neutral","sentiment_score":0.08267986098373378,"channel":0,"num_words":162,"start":817.825,"end":863.595},{"sentences":[{"text":"It's still based on just the 1.6","start":863.595,"end":865.995,"sentiment":"neutral","sentiment_score":-0.09040998773915428}],"sentiment":"neutral","sentiment_score":-0.09040998773915428,"channel":0,"num_words":7,"start":863.595,"end":865.995},{"sentences":[{"text":"Right.","start":865.765,"end":866.265,"sentiment":"neutral","sentiment_score":-0.00638468936085701}],"sentiment":"neutral","sentiment_score":-0.00638468936085701,"channel":1,"num_words":1,"start":865.765,"end":866.265},{"sentences":[{"text":"5% of your balance.","start":865.995,"end":867.455,"sentiment":"neutral","sentiment_score":0.01425720052793622},{"text":"But,","start":867.995,"end":868.235,"sentiment":"neutral","sentiment_score":0.04490336403250694}],"sentiment":"neutral","sentiment_score":0.020386433228850365,"channel":0,"num_words":5,"start":865.995,"end":868.235},{"sentences":[{"text":"Yep.","start":868.005,"end":868.505,"sentiment":"neutral","sentiment_score":0.13697344064712524}],"sentiment":"neutral","sentiment_score":0.13697344064712524,"channel":1,"num_words":1,"start":868.005,"end":868.505},{"sentences":[{"text":"obviously, if your super does better, the fee does go up.","start":868.235,"end":872.315,"sentiment":"neutral","sentiment_score":0.15336884355003183},{"text":"If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure.","start":872.315,"end":878.33,"sentiment":"neutral","sentiment_score":-0.06257498418462687},{"text":"You're getting charged for the adviser fee, if that makes sense.","start":878.39,"end":884.97003,"sentiment":"neutral","sentiment_score":0.12968727506019853}],"sentiment":"neutral","sentiment_score":0.02546946594820303,"channel":0,"num_words":51,"start":868.235,"end":884.97003},{"sentences":[{"text":"Okay.","start":884.98,"end":885.48,"sentiment":"neutral","sentiment_score":0.05120639130473137},{"text":"Yep.","start":885.54,"end":885.94,"sentiment":"neutral","sentiment_score":0.021478526294231415},{"text":"Sorry.","start":885.94,"end":886.25995,"sentiment":"neutral","sentiment_score":-0.05007553845643997},{"text":"I'm just kind of yes.","start":886.25995,"end":887.38,"sentiment":"neutral","sentiment_score":0.10090253204107284},{"text":"Yes.","start":887.38,"end":887.69995,"sentiment":"neutral","sentiment_score":0.2615537643432617}],"sentiment":"neutral","sentiment_score":0.08763064485457209,"channel":1,"num_words":9,"start":884.98,"end":887.69995},{"sentences":[{"text":"It does.","start":887.69995,"end":888.165,"sentiment":"positive","sentiment_score":0.3947843909263611},{"text":"Thank you for explaining.","start":888.96497,"end":890.345,"sentiment":"positive","sentiment_score":0.7124359905719757},{"text":"I'm just, yeah, currently looking at that page a bit more closely.","start":890.725,"end":895.70496,"sentiment":"neutral","sentiment_score":0.1392605664829413}],"sentiment":"neutral","sentiment_score":0.29502441899644005,"channel":1,"num_words":18,"start":887.69995,"end":895.70496},{"sentences":[{"text":"Yep.","start":896.965,"end":897.205,"sentiment":"neutral","sentiment_score":0.11836937069892885},{"text":"So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments.","start":897.205,"end":904.45,"sentiment":"neutral","sentiment_score":0.09868399488429229},{"text":"Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains.","start":904.45,"end":908.45,"sentiment":"neutral","sentiment_score":0.16170679695076412},{"text":"So that's the reason it's a lot lower.","start":908.45,"end":910.31,"sentiment":"positive","sentiment_score":0.38457297906279564},{"text":"And then with that, their investment fees would be reduced down to about $335 per annum in terms of the investment you do hold and then the recommended portfolio, which would guarantee like, it would save you $365.","start":911.35504,"end":925.72003,"sentiment":"positive","sentiment_score":0.3871069785795714}],"sentiment":"neutral","sentiment_score":0.2604961417029413,"channel":0,"num_words":89,"start":896.965,"end":925.72003},{"sentences":[{"text":"So even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well.","start":925.72003,"end":933.82,"sentiment":"positive","sentiment_score":0.589266654216882},{"text":"It does work out that you would be saving money on your investments.","start":934.28,"end":938.3,"sentiment":"positive","sentiment_score":0.6951881555410532},{"text":"And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon.","start":938.415,"end":952.675,"sentiment":"neutral","sentiment_score":0.1799675519750626}],"sentiment":"positive","sentiment_score":0.3820149341784418,"channel":0,"num_words":100,"start":925.72003,"end":952.675},{"sentences":[{"text":"Yep.","start":953.36,"end":953.83997,"sentiment":"neutral","sentiment_score":0.04192604124546051},{"text":"I see.","start":953.83997,"end":954.58,"sentiment":"neutral","sentiment_score":0.020478141494095325},{"text":"Okay.","start":955.2,"end":955.7,"sentiment":"neutral","sentiment_score":0.01808502897620201},{"text":"Let's see.","start":960.32,"end":961.335,"sentiment":"neutral","sentiment_score":0.007038031937554479},{"text":"Again, sorry.","start":963.655,"end":964.215,"sentiment":"neutral","sentiment_score":-0.028952717315405607}],"sentiment":"neutral","sentiment_score":0.007142247806768864,"channel":1,"num_words":8,"start":953.36,"end":964.215},{"sentences":[{"text":"This might be a silly question, but do","start":964.215,"end":966.315,"sentiment":"neutral","sentiment_score":-0.06148932361975312}],"sentiment":"neutral","sentiment_score":-0.06148932361975312,"channel":1,"num_words":8,"start":964.215,"end":966.315},{"sentences":[{"text":"No.","start":965.945,"end":966.10504,"sentiment":"neutral","sentiment_score":-0.1053074449300766},{"text":"You're right.","start":966.10504,"end":966.92505,"sentiment":"neutral","sentiment_score":-0.060969118028879166}],"sentiment":"neutral","sentiment_score":-0.0757485603292783,"channel":0,"num_words":3,"start":965.945,"end":966.92505},{"sentences":[{"text":"do do you if I'm new with some places like Australian Super, Do you know, like, what the adviser service fee is like?","start":967.41504,"end":977.61,"sentiment":"neutral","sentiment_score":-0.03494904558781697}],"sentiment":"neutral","sentiment_score":-0.03494904558781697,"channel":1,"num_words":23,"start":967.41504,"end":977.61},{"sentences":[{"text":"So within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost","start":978.83997,"end":992.705,"sentiment":"neutral","sentiment_score":-0.034415938440830476}],"sentiment":"neutral","sentiment_score":-0.034415938440830476,"channel":0,"num_words":31,"start":978.83997,"end":992.705},{"sentences":[{"text":"Right.","start":992.555,"end":993.055,"sentiment":"neutral","sentiment_score":-0.016546450555324554}],"sentiment":"neutral","sentiment_score":-0.016546450555324554,"channel":1,"num_words":1,"start":992.555,"end":993.055},{"sentences":[{"text":"of, like, holding the investments.","start":992.705,"end":994.16504,"sentiment":"neutral","sentiment_score":-0.03344718813896179},{"text":"So, generally, in industry funds, a lot of the investment fees are","start":994.22504,"end":998.465,"sentiment":"neutral","sentiment_score":-0.04383450777580341}],"sentiment":"neutral","sentiment_score":-0.04077941376496764,"channel":0,"num_words":17,"start":992.705,"end":998.465},{"sentences":[{"text":"And","start":998.17,"end":998.67,"sentiment":"neutral","sentiment_score":-0.04446069151163101}],"sentiment":"neutral","sentiment_score":-0.04446069151163101,"channel":1,"num_words":1,"start":998.17,"end":998.67},{"sentences":[{"text":"higher because they're not actually advising you.","start":998.465,"end":1001.025,"sentiment":"neutral","sentiment_score":-0.12905489546912058},{"text":"They're not actually giving you personalized advice, but it goes into, like, the work they put in for the investments and the the the investments they put together.","start":1001.025,"end":1010.07996,"sentiment":"neutral","sentiment_score":-0.0721625043079257},{"text":"So, generally, that can be a little bit higher.","start":1010.07996,"end":1012.33997,"sentiment":"neutral","sentiment_score":-0.12620193428463405},{"text":"You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up.","start":1012.88,"end":1018.825,"sentiment":"neutral","sentiment_score":0.14909896902416064},{"text":"So currently, at the moment, in your current form with the amount of active management you do have, it would be cheaper in terms of, like, the investment cost if you were an Australian super.","start":1018.825,"end":1029.73,"sentiment":"neutral","sentiment_score":0.2859276856694903}],"sentiment":"neutral","sentiment_score":0.09193130871098415,"channel":0,"num_words":102,"start":998.465,"end":1029.73},{"sentences":[{"text":"And then obviously, you wouldn't have the adviser fee and then having a platform that isn't as comprehensive as Netwealth, and it's reporting and tracking and being able to view your super.","start":1029.73,"end":1038.15,"sentiment":"neutral","sentiment_score":0.17119809868745506},{"text":"The administration fees and membership fees are generally a bit less When","start":1038.21,"end":1043.4149,"sentiment":"neutral","sentiment_score":-0.09510241604099672}],"sentiment":"neutral","sentiment_score":0.09857068557969549,"channel":0,"num_words":44,"start":1029.73,"end":1043.4149},{"sentences":[{"text":"Yes.","start":1043.275,"end":1043.775,"sentiment":"neutral","sentiment_score":0.006262040697038174}],"sentiment":"neutral","sentiment_score":0.006262040697038174,"channel":1,"num_words":1,"start":1043.275,"end":1043.775},{"sentences":[{"text":"you look","start":1043.4149,"end":1044.075,"sentiment":"neutral","sentiment_score":-0.028419846668839455}],"sentiment":"neutral","sentiment_score":-0.028419846668839455,"channel":0,"num_words":2,"start":1043.4149,"end":1044.075},{"sentences":[{"text":"I'm sorry.","start":1044.075,"end":1044.475,"sentiment":"neutral","sentiment_score":-0.06575402244925499},{"text":"Sorry.","start":1044.475,"end":1044.875,"sentiment":"neutral","sentiment_score":-0.08546373248100281},{"text":"When you say appendix, what where is that?","start":1044.875,"end":1047.115,"sentiment":"neutral","sentiment_score":-0.06282820366322994},{"text":"Sorry.","start":1047.115,"end":1047.615,"sentiment":"neutral","sentiment_score":-0.10859866440296172}],"sentiment":"neutral","sentiment_score":-0.0690163392573595,"channel":1,"num_words":12,"start":1044.075,"end":1047.615},{"sentences":[{"text":"so if you look in the email chain, it's not on the statement of advice.","start":1047.8949,"end":1050.7749,"sentiment":"neutral","sentiment_score":-0.07714741056164105},{"text":"It's a separate document, the appendix to the statement of advice.","start":1050.7749,"end":1053.6749,"sentiment":"neutral","sentiment_score":-0.03128821284256198}],"sentiment":"neutral","sentiment_score":-0.05774544229587683,"channel":0,"num_words":26,"start":1047.8949,"end":1053.6749},{"sentences":[{"text":"Oh.","start":1055.115,"end":1055.615,"sentiment":"neutral","sentiment_score":0.002707291394472122},{"text":"Oh, yes.","start":1055.755,"end":1056.235,"sentiment":"neutral","sentiment_score":0.007429051678627729},{"text":"Sorry.","start":1056.235,"end":1056.735,"sentiment":"neutral","sentiment_score":-0.0357256717979908},{"text":"In the bottom.","start":1056.795,"end":1057.615,"sentiment":"neutral","sentiment_score":-0.01051126979291439},{"text":"Yes.","start":1057.995,"end":1058.37,"sentiment":"neutral","sentiment_score":0.002246325835585594}],"sentiment":"neutral","sentiment_score":-0.005930970073677599,"channel":1,"num_words":8,"start":1055.115,"end":1058.37},{"sentences":[{"text":"Sorry about","start":1058.53,"end":1059.27,"sentiment":"neutral","sentiment_score":-0.036017716862261295}],"sentiment":"neutral","sentiment_score":-0.036017716862261295,"channel":1,"num_words":2,"start":1058.53,"end":1059.27},{"sentences":[{"text":"Yeah.","start":1059.59,"end":1059.9099,"sentiment":"neutral","sentiment_score":-0.010039174929261208},{"text":"No.","start":1059.9099,"end":1060.15,"sentiment":"neutral","sentiment_score":-0.09637292474508286},{"text":"No.","start":1060.15,"end":1060.3099,"sentiment":"neutral","sentiment_score":-0.08163857460021973},{"text":"You're fine.","start":1060.3099,"end":1060.97,"sentiment":"neutral","sentiment_score":0.12760299444198608},{"text":"And then if you looked at the the recommended,","start":1062.07,"end":1063.99,"sentiment":"neutral","sentiment_score":0.13074984484248692}],"sentiment":"neutral","sentiment_score":0.08885027987084218,"channel":0,"num_words":14,"start":1059.59,"end":1063.99},{"sentences":[{"text":"that.","start":1063.65,"end":1063.9,"sentiment":"neutral","sentiment_score":0.053637757897377014},{"text":"Yes.","start":1063.9,"end":1064.4,"sentiment":"neutral","sentiment_score":0.2727557122707367}],"sentiment":"neutral","sentiment_score":0.16319673508405685,"channel":1,"num_words":2,"start":1063.65,"end":1064.4},{"sentences":[{"text":"obviously, you still pay more in terms of, like, administration and regards to building advice strategies with, like, transition to retirement, things like that as well.","start":1063.99,"end":1079.67,"sentiment":"neutral","sentiment_score":0.22072382213977668},{"text":"And then the investment fee that we're recommending would be significantly lower than that fee.","start":1080.9501,"end":1085.67,"sentiment":"positive","sentiment_score":0.38944650689760846},{"text":"And then also, you still have to take into account the adviser fee that would be charged with having the the service and the additional services listed in the services guide and financial services guide as you get under that as well and the advice updates you can get.","start":1085.67,"end":1099.985,"sentiment":"neutral","sentiment_score":0.24723038852823023},{"text":"So, obviously, in regards to industry versus retail and having adviser, it is cheaper just to be in industry if you want to sort of just leave it alone and not worry about it and just be happy with what you're you're getting.","start":1100.205,"end":1110.18,"sentiment":"positive","sentiment_score":0.3444334136885266},{"text":"But if you want to be a little bit more involved and take advantage of the service a little bit more and then make use of sort of the service to where the adviser fee makes sense for you, that's sort of where the decision sort of comes from there as well.","start":1110.18,"end":1123.585,"sentiment":"neutral","sentiment_score":0.30098430095956874}],"sentiment":"neutral","sentiment_score":0.2927385213810044,"channel":0,"num_words":185,"start":1063.99,"end":1123.585},{"sentences":[{"text":"Right.","start":1124.295,"end":1124.775,"sentiment":"neutral","sentiment_score":0.16070476174354553},{"text":"Yeah.","start":1124.775,"end":1125.275,"sentiment":"neutral","sentiment_score":0.1554286628961563},{"text":"Yeah.","start":1125.415,"end":1125.735,"sentiment":"neutral","sentiment_score":-0.018103694543242455},{"text":"I think one of the things, I guess, like, my balance, you know, isn't terribly high, and I wondered whether the fee is I guess, like, when you when there's, you know, when people are near retirement and they, you know, have saved quite a fair deal and then put it into a for a lot much longer period of time, But then it would make, I guess, a much more bigger bigger of a difference, I suppose, and having, yeah, your your help.","start":1125.735,"end":1155.5651,"sentiment":"neutral","sentiment_score":0.15057335124306737},{"text":"And I think, yeah, I think I just I don't know.","start":1155.5651,"end":1160.61,"sentiment":"neutral","sentiment_score":-0.05328084460713647}],"sentiment":"neutral","sentiment_score":0.1261234892228124,"channel":1,"num_words":98,"start":1124.295,"end":1160.61},{"sentences":[{"text":"I think I'm just wavering at the moment.","start":1160.61,"end":1162.79,"sentiment":"neutral","sentiment_score":-0.2583308331668377}],"sentiment":"neutral","sentiment_score":-0.2583308331668377,"channel":1,"num_words":8,"start":1160.61,"end":1162.79},{"sentences":[{"text":"Yeah.","start":1163.53,"end":1163.85,"sentiment":"neutral","sentiment_score":-0.1001618355512619},{"text":"And I don't wanna push you sort of either way.","start":1163.85,"end":1166.97,"sentiment":"neutral","sentiment_score":-0.17353783473372458},{"text":"Obviously, it is a personal decision at the end of the day whether or not you feel like you're getting enough out of the service to make it worth worthwhile.","start":1166.97,"end":1173.615,"sentiment":"neutral","sentiment_score":0.05883555544617896},{"text":"Obviously, with the percentage figure, it is sort of beneficial in the sense that, like, with the lower balances, you're not just getting charged a higher fee, like you said, for lower balances and not sort of making it worse that you don't feel like you're sort of taking advantage as much as, like, someone that might be, you know, years down the track looking at other investments, investment properties, trying to structure things a little bit differently as opposed to, you know, just paying down your your primary mortgage and then having","start":1173.615,"end":1197.96,"sentiment":"neutral","sentiment_score":0.3023725683570549}],"sentiment":"neutral","sentiment_score":0.20932966669927588,"channel":0,"num_words":134,"start":1163.53,"end":1197.96},{"sentences":[{"text":"Yeah.","start":1197.6001,"end":1197.975,"sentiment":"neutral","sentiment_score":0.13012483716011047}],"sentiment":"neutral","sentiment_score":0.13012483716011047,"channel":1,"num_words":1,"start":1197.6001,"end":1197.975},{"sentences":[{"text":"your superannuation.","start":1197.96,"end":1198.62,"sentiment":"neutral","sentiment_score":0.20197628438472748},{"text":"So, you know, if you felt like it might be something in the future that you might come back to, that's more than fine as well.","start":1199.64,"end":1205.305,"sentiment":"neutral","sentiment_score":0.291727751493454},{"text":"Or if it's something that you feel like you might just take a bit more of an interest in, monitor a little bit more, take a little bit more of an interest, like, at your annual review times to sort of see how things are going and asking a few more questions to where you get imparted a little bit more knowledge to be able to make some more informed decisions in regards to your situation as well.","start":1205.305,"end":1222.5801,"sentiment":"positive","sentiment_score":0.3656532556200639},{"text":"That's sort of where some of the value comes from as well.","start":1223.04,"end":1225.9401,"sentiment":"positive","sentiment_score":0.5709767838319143}],"sentiment":"positive","sentiment_score":0.36747075806734925,"channel":0,"num_words":118,"start":1197.96,"end":1225.9401},{"sentences":[{"text":"Yep.","start":1227.365,"end":1227.865,"sentiment":"neutral","sentiment_score":0.2552545964717865},{"text":"Okay.","start":1228.965,"end":1229.465,"sentiment":"neutral","sentiment_score":0.27296051383018494},{"text":"I'm not hard to make this decision at this 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top.","start":1244.2699,"end":1245.3099,"sentiment":"neutral","sentiment_score":-0.20746189951896668},{"text":"Like, you've got thirty days from this advice,","start":1245.3099,"end":1247.6499,"sentiment":"neutral","sentiment_score":-0.05314529500901699}],"sentiment":"neutral","sentiment_score":-0.11249783520515148,"channel":0,"num_words":13,"start":1244.2699,"end":1247.6499},{"sentences":[{"text":"thirty","start":1247.24,"end":1247.565,"sentiment":"neutral","sentiment_score":-0.005598053336143494}],"sentiment":"neutral","sentiment_score":-0.005598053336143494,"channel":1,"num_words":1,"start":1247.24,"end":1247.565},{"sentences":[{"text":"yeah, for this to be valid, and then another thirty after that if you confirm your details.","start":1247.95,"end":1251.71,"sentiment":"neutral","sentiment_score":-0.024059648680336335},{"text":"So","start":1251.71,"end":1252.21,"sentiment":"neutral","sentiment_score":0.11178456246852876}],"sentiment":"neutral","sentiment_score":-0.016512748060954943,"channel":0,"num_words":18,"start":1247.95,"end":1252.21},{"sentences":[{"text":"Yes.","start":1251.8849,"end":1252.0449,"sentiment":"neutral","sentiment_score":0.18131986260414124},{"text":"Okay.","start":1252.0449,"end":1252.5449,"sentiment":"neutral","sentiment_score":0.18203243613243103}],"sentiment":"neutral","sentiment_score":0.18167614936828613,"channel":1,"num_words":2,"start":1251.8849,"end":1252.5449},{"sentences":[{"text":"as I said, you don't have to make a decision on the phone.","start":1252.6699,"end":1254.9099,"sentiment":"neutral","sentiment_score":0.019116773628271543},{"text":"Feel free to take it away.","start":1254.9099,"end":1256.11,"sentiment":"neutral","sentiment_score":-0.2492569995423158},{"text":"Have a bit of","start":1256.11,"end":1256.6699,"sentiment":"neutral","sentiment_score":0.15377774462103844}],"sentiment":"neutral","sentiment_score":-0.02747447659140048,"channel":0,"num_words":23,"start":1252.6699,"end":1256.6699},{"sentences":[{"text":"Yes.","start":1256.5249,"end":1257.0249,"sentiment":"neutral","sentiment_score":0.2308485805988312}],"sentiment":"neutral","sentiment_score":0.2308485805988312,"channel":1,"num_words":1,"start":1256.5249,"end":1257.0249},{"sentences":[{"text":"a read through it.","start":1256.6699,"end":1257.495,"sentiment":"neutral","sentiment_score":0.20037875697016716},{"text":"Have a look at the financial services guide and OQ services guide.","start":1257.495,"end":1261.035,"sentiment":"neutral","sentiment_score":0.21509861573576927},{"text":"See if what is on offer as, like, a service you do get as an ongoing client is sort of what you want and if you want that moving forward.","start":1261.255,"end":1268.395,"sentiment":"positive","sentiment_score":0.5113473951816558},{"text":"And as I said, you know, there's no sort of ill will in regards to if you do decide that you think you're better off elsewhere.","start":1268.6951,"end":1275.62,"sentiment":"neutral","sentiment_score":-0.17044596288066644},{"text":"We're not gonna sort of try and hold you hostage or anything like that.","start":1275.62,"end":1277.9401,"sentiment":"negative","sentiment_score":-0.43331808703286306}],"sentiment":"neutral","sentiment_score":0.0956403723116531,"channel":0,"num_words":86,"start":1256.6699,"end":1277.9401},{"sentences":[{"text":"We obviously 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guarantee those performances.","start":1296.995,"end":1302.9299,"sentiment":"negative","sentiment_score":-0.45106899179518223},{"text":"Obviously, there's research that goes into the recommendations, and I can't sort of pertain to what you discussed yet previously as to why you had such a high allocation in that managed fund, whether it was to go a bit more aggressive, have a bit more of a chance at high growth early on versus, like, a little bit more of a diversified option and sustain, like, a longer term growth given this time to retirement versus, like, being younger and taking on a bit more risk while you're younger because you can afford to sorta be invested longer and take that risk while you're on the younger side of things versus later in life.","start":1302.99,"end":1335.5801,"sentiment":"neutral","sentiment_score":-0.10617839118222827}],"sentiment":"neutral","sentiment_score":-0.19916500721830038,"channel":0,"num_words":196,"start":1279.06,"end":1335.5801},{"sentences":[{"text":"Yep.","start":1336.7949,"end":1337.2949,"sentiment":"neutral","sentiment_score":-0.017529398202896118},{"text":"Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super.","start":1338.7,"end":1354.1449,"sentiment":"neutral","sentiment_score":0.06112976129533666},{"text":"In fact, then I'm still happy to, I guess, continue with your services.","start":1354.205,"end":1361.2649,"sentiment":"positive","sentiment_score":0.6464659090225513},{"text":"It's just yeah.","start":1362.5249,"end":1363.29,"sentiment":"neutral","sentiment_score":-0.013608366250991821},{"text":"I think it was just like a lack of confidence that I just felt.","start":1363.29,"end":1366.51,"sentiment":"negative","sentiment_score":-0.5175428773675647}],"sentiment":"neutral","sentiment_score":0.04870912749902345,"channel":1,"num_words":64,"start":1336.7949,"end":1366.51},{"sentences":[{"text":"But, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it.","start":1366.7301,"end":1374.5901,"sentiment":"positive","sentiment_score":0.45128233163129716}],"sentiment":"positive","sentiment_score":0.45128233163129716,"channel":1,"num_words":21,"start":1366.7301,"end":1374.5901},{"sentences":[{"text":"Yeah.","start":1375.0599,"end":1375.46,"sentiment":"neutral","sentiment_score":0.0992487221956253},{"text":"And as I said too, like, obviously, the five year rolling average is what's happened in five past previous years.","start":1375.46,"end":1380.74,"sentiment":"neutral","sentiment_score":0.008413642644882202},{"text":"So it's not really indicative of what might happen in the future, especially with how volatile everything is at the moment.","start":1380.74,"end":1385.86,"sentiment":"neutral","sentiment_score":-0.11348109319806099},{"text":"But the guaranteed thing is with the update is you'll still have access to the service.","start":1385.86,"end":1389.865,"sentiment":"positive","sentiment_score":0.4970027655363083},{"text":"You'll lower those investment costs moving forward, which is a guaranteed savings.","start":1389.865,"end":1393.965,"sentiment":"positive","sentiment_score":0.6349252959092458}],"sentiment":"neutral","sentiment_score":0.19222237739179815,"channel":0,"num_words":70,"start":1375.0599,"end":1393.965},{"sentences":[{"text":"You'll have a bit more diversification.","start":1394.345,"end":1395.645,"sentiment":"positive","sentiment_score":0.5843555231889089},{"text":"You'll have a bit more of an allocation to those indexes, which do just track the market, and then you'll have still slight exposure to active management while you're still younger to potentially maybe outperform what the markets are doing in that","start":1395.9451,"end":1408.45,"sentiment":"positive","sentiment_score":0.3435186098019282}],"sentiment":"positive","sentiment_score":0.3736232239753008,"channel":0,"num_words":48,"start":1394.345,"end":1408.45},{"sentences":[{"text":"Yes.","start":1408.375,"end":1408.875,"sentiment":"neutral","sentiment_score":0.12244462966918944}],"sentiment":"neutral","sentiment_score":0.12244462966918944,"channel":1,"num_words":1,"start":1408.375,"end":1408.875},{"sentences":[{"text":"JPMorgan Global Research.","start":1408.45,"end":1410.39,"sentiment":"neutral","sentiment_score":0.10867745677630107},{"text":"And then it's just a bit more of a balance.","start":1411.01,"end":1412.61,"sentiment":"neutral","sentiment_score":0.020013474486768247},{"text":"You spread across a few more investments.","start":1412.61,"end":1414.31,"sentiment":"neutral","sentiment_score":0.055223915459854264},{"text":"And then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well.","start":1414.61,"end":1426.135,"sentiment":"neutral","sentiment_score":-0.2155820497352144}],"sentiment":"neutral","sentiment_score":-0.13642484491521661,"channel":0,"num_words":66,"start":1408.45,"end":1426.135},{"sentences":[{"text":"Yeah.","start":1427.005,"end":1427.325,"sentiment":"neutral","sentiment_score":-0.09545625746250153},{"text":"No.","start":1427.325,"end":1427.565,"sentiment":"neutral","sentiment_score":-0.157804936170578},{"text":"I understand.","start":1427.565,"end":1428.3049,"sentiment":"neutral","sentiment_score":-0.14034297317266464}],"sentiment":"neutral","sentiment_score":-0.1334867849946022,"channel":1,"num_words":4,"start":1427.005,"end":1428.3049},{"sentences":[{"text":"Yeah.","start":1429.0751,"end":1429.5751,"sentiment":"neutral","sentiment_score":-0.1094016134738922}],"sentiment":"neutral","sentiment_score":-0.1094016134738922,"channel":0,"num_words":1,"start":1429.0751,"end":1429.5751},{"sentences":[{"text":"But, yeah, I think yeah.","start":1429.085,"end":1430.9249,"sentiment":"neutral","sentiment_score":-0.1163288801908493},{"text":"I just want to be because I don't like, yes, you guys send newsletters, but, you know, in terms of that long, I think I've mentioned this, but I wish, you know, it was mentioned at end of the year when or not end of the year, but at the previous, like, what could possibly like, what was kind of already starting to happen.","start":1430.9249,"end":1451.24,"sentiment":"neutral","sentiment_score":-0.18855842459015548},{"text":"And I don't mind getting, like, information, like, through a phone call rather than getting a newsletter.","start":1451.24,"end":1457.995,"sentiment":"neutral","sentiment_score":0.2468502574107226},{"text":"And I think yeah.","start":1458.375,"end":1460.455,"sentiment":"neutral","sentiment_score":0.3269643187522888},{"text":"So I think that's just something to kind of yeah.","start":1460.455,"end":1463.095,"sentiment":"positive","sentiment_score":0.42381528317928313}],"sentiment":"neutral","sentiment_score":-0.02906919091939926,"channel":1,"num_words":100,"start":1429.085,"end":1463.095},{"sentences":[{"text":"That I want moving forward.","start":1463.095,"end":1465.115,"sentiment":"positive","sentiment_score":0.5820082545280456}],"sentiment":"positive","sentiment_score":0.5820082545280456,"channel":1,"num_words":5,"start":1463.095,"end":1465.115},{"sentences":[{"text":"Yeah.","start":1465.0599,"end":1465.5599,"sentiment":"neutral","sentiment_score":0.3180958032608032}],"sentiment":"neutral","sentiment_score":0.3180958032608032,"channel":0,"num_words":1,"start":1465.0599,"end":1465.5599},{"sentences":[{"text":"If anything","start":1465.4149,"end":1466.075,"sentiment":"positive","sentiment_score":0.35032619535923004}],"sentiment":"positive","sentiment_score":0.35032619535923004,"channel":1,"num_words":2,"start":1465.4149,"end":1466.075},{"sentences":[{"text":"I can put you down for, like, three months or, like, quarterly catch up as part of, like, your service there.","start":1465.62,"end":1473.345,"sentiment":"neutral","sentiment_score":0.19034793511742637},{"text":"So, hopefully, every sort of three months or so, someone reaches out and has a bit of a discussion around everything.","start":1473.345,"end":1477.765,"sentiment":"neutral","sentiment_score":0.16979768375555673},{"text":"In regards to that, obviously, with the the underlying asset within Bennelong, that happened quite quickly.","start":1477.905,"end":1482.89,"sentiment":"neutral","sentiment_score":-0.017145220539532602},{"text":"And then, obviously, the business, they always had to review that and everything before they sent out the newsletter in regards to their stance on what was happening.","start":1482.89,"end":1490.27,"sentiment":"neutral","sentiment_score":-0.05361622671729752},{"text":"Prior to that, Bennelong probably wasn't performing, like, to the extent of what you might want for the cost you pay for an actively managed fund, but there wasn't by any means, like, having negative returns.","start":1490.41,"end":1500.1349,"sentiment":"neutral","sentiment_score":-0.230203187920981}],"sentiment":"neutral","sentiment_score":-0.02049044791425838,"channel":0,"num_words":122,"start":1465.62,"end":1500.1349},{"sentences":[{"text":"It was just sort of a slow potential recovery sort of getting that eight percent sort of onward from from COVID, which isn't sort of still horrible.","start":1500.355,"end":1508.615,"sentiment":"negative","sentiment_score":-0.434816829584263},{"text":"And then with that, obviously, if that's still doing, you know, 8% plus the rest of your portfolio, your portfolio as a whole would still be doing quite well or was doing quite well along those that timeline.","start":1510.21,"end":1519.89,"sentiment":"neutral","sentiment_score":0.17669676450130187},{"text":"So people looking at that would be like with it's still gonna perform well over the long term.","start":1519.89,"end":1524.0499,"sentiment":"neutral","sentiment_score":0.22952576478322348},{"text":"Obviously, in regards to the underlying asset, no one could sort of tell that they weren't reporting correctly and then have that information to be able to get out of Ben Long preemptively, if that makes sense.","start":1524.0499,"end":1535.635,"sentiment":"neutral","sentiment_score":-0.1623872053381559}],"sentiment":"neutral","sentiment_score":-0.057520334826161465,"channel":0,"num_words":120,"start":1500.355,"end":1535.635},{"sentences":[{"text":"Yep.","start":1535.6951,"end":1536.1951,"sentiment":"neutral","sentiment_score":0.16114839911460876},{"text":"Yep.","start":1536.3351,"end":1536.8351,"sentiment":"neutral","sentiment_score":0.2189843952655792},{"text":"Okay.","start":1539.63,"end":1540.13,"sentiment":"positive","sentiment_score":0.3432198762893677},{"text":"So I guess, yeah, we can go forward with it with what you guys have provided.","start":1540.27,"end":1546.93,"sentiment":"positive","sentiment_score":0.5564991552382708}],"sentiment":"positive","sentiment_score":0.5067020607622046,"channel":1,"num_words":19,"start":1535.6951,"end":1546.93},{"sentences":[{"text":"Feel free to take your time, have a read through it, take the weekend, you know, read through the document, come back with any questions you might have.","start":1548.03,"end":1555.365,"sentiment":"positive","sentiment_score":0.3872517741152218},{"text":"There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio.","start":1555.365,"end":1562.745,"sentiment":"positive","sentiment_score":0.3630862667642791}],"sentiment":"positive","sentiment_score":0.3749570423050931,"channel":0,"num_words":57,"start":1548.03,"end":1562.745},{"sentences":[{"text":"Mhmm.","start":1563.245,"end":1563.42,"sentiment":"neutral","sentiment_score":0.02002188004553318}],"sentiment":"neutral","sentiment_score":0.02002188004553318,"channel":1,"num_words":1,"start":1563.245,"end":1563.42},{"sentences":[{"text":"So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash.","start":1563.925,"end":1574.5801,"sentiment":"neutral","sentiment_score":-0.1292614444363408},{"text":"So with that, if the markets do go back up, you're potentially buying at a bit higher of a price.","start":1574.9601,"end":1579.04,"sentiment":"neutral","sentiment_score":-0.08585421796888112},{"text":"If it takes a bit of a dive, you will buy it at a bit of a lower price.","start":1579.04,"end":1582.02,"sentiment":"neutral","sentiment_score":-0.026054542707769496},{"text":"Just with how volatile everything is at the moment, that's something to just be aware of there as well.","start":1583.985,"end":1588.165,"sentiment":"neutral","sentiment_score":-0.14463046938180923},{"text":"And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach.","start":1588.785,"end":1597.92,"sentiment":"neutral","sentiment_score":0.06507692041878517}],"sentiment":"neutral","sentiment_score":-0.06854255104064941,"channel":0,"num_words":125,"start":1563.925,"end":1597.92},{"sentences":[{"text":"But like you said, before, it does come at a higher cost.","start":1597.92,"end":1600.48,"sentiment":"neutral","sentiment_score":-0.042398725325862564},{"text":"We looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years.","start":1600.48,"end":1614.205,"sentiment":"neutral","sentiment_score":0.1888707349436325}],"sentiment":"neutral","sentiment_score":0.14864995924458987,"channel":0,"num_words":69,"start":1597.92,"end":1614.205},{"sentences":[{"text":"Yep.","start":1615.2,"end":1615.36,"sentiment":"neutral","sentiment_score":0.1665516346693039},{"text":"Yep.","start":1615.36,"end":1615.86,"sentiment":"neutral","sentiment_score":0.18851642310619351}],"sentiment":"neutral","sentiment_score":0.17753402888774872,"channel":1,"num_words":2,"start":1615.2,"end":1615.86},{"sentences":[{"text":"But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all?","start":1616.9049,"end":1627.04,"sentiment":"neutral","sentiment_score":0.07339753258612848}],"sentiment":"neutral","sentiment_score":0.07339753258612848,"channel":0,"num_words":31,"start":1616.9049,"end":1627.04},{"sentences":[{"text":"No.","start":1628.96,"end":1629.36,"sentiment":"neutral","sentiment_score":-0.13650953769683838},{"text":"I think I just have to have a, you know, closer read and come back to you guys within thirty days.","start":1629.36,"end":1637.525,"sentiment":"neutral","sentiment_score":-0.14123918258008503}],"sentiment":"neutral","sentiment_score":-0.14102419872175564,"channel":1,"num_words":22,"start":1628.96,"end":1637.525},{"sentences":[{"text":"Yeah.","start":1638.395,"end":1638.7151,"sentiment":"neutral","sentiment_score":0.25098907947540283},{"text":"So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change.","start":1638.7151,"end":1644.8151,"sentiment":"positive","sentiment_score":0.40768835005851894},{"text":"Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no.","start":1645.8351,"end":1652.07,"sentiment":"neutral","sentiment_score":0.028400469571352005},{"text":"I just wanna, you know,","start":1652.07,"end":1653.4299,"sentiment":"neutral","sentiment_score":-0.03609758652746677}],"sentiment":"neutral","sentiment_score":0.18092520741629414,"channel":0,"num_words":64,"start":1638.395,"end":1653.4299},{"sentences":[{"text":"Exactly.","start":1653.13,"end":1653.63,"sentiment":"neutral","sentiment_score":0.08537733554840088}],"sentiment":"neutral","sentiment_score":0.08537733554840088,"channel":1,"num_words":1,"start":1653.13,"end":1653.63},{"sentences":[{"text":"move 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changes.","start":1654.5499,"end":1662.33,"sentiment":"neutral","sentiment_score":-0.25010948902682256}],"sentiment":"neutral","sentiment_score":-0.2317409835755825,"channel":0,"num_words":40,"start":1653.99,"end":1662.33},{"sentences":[{"text":"Yep.","start":1662.905,"end":1663.405,"sentiment":"neutral","sentiment_score":-0.06620826572179794}],"sentiment":"neutral","sentiment_score":-0.06620826572179794,"channel":1,"num_words":1,"start":1662.905,"end":1663.405},{"sentences":[{"text":"So I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there.","start":1662.905,"end":1670.845,"sentiment":"positive","sentiment_score":0.6369437411427498},{"text":"And 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settled settled.","start":1676.105,"end":1692.24,"sentiment":"neutral","sentiment_score":0.21125693279400207},{"text":"But as long as you're aware of that and you're happy doing that in your own time, that's more than fine as well.","start":1692.24,"end":1697.455,"sentiment":"positive","sentiment_score":0.503315727347913},{"text":"It's more than","start":1697.455,"end":1698.095,"sentiment":"positive","sentiment_score":0.3770789901415507}],"sentiment":"neutral","sentiment_score":0.3255845165135814,"channel":0,"num_words":102,"start":1672.265,"end":1698.095},{"sentences":[{"text":"Yep.","start":1697.985,"end":1698.48,"sentiment":"neutral","sentiment_score":0.26235634088516235}],"sentiment":"neutral","sentiment_score":0.26235634088516235,"channel":1,"num_words":1,"start":1697.985,"end":1698.48},{"sentences":[{"text":"a reminder than anything.","start":1698.095,"end":1699.395,"sentiment":"neutral","sentiment_score":0.19406303763389587},{"text":"Obviously, the adviser fee is based on that 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moment, the only way it comes down is if your partner is on board, it drops down to 1.1% as like a coupling fee.","start":1738.57,"end":1746.91,"sentiment":"neutral","sentiment_score":0.054132639120022454},{"text":"But at the moment, it's still sitting at just that 1.65.","start":1748.105,"end":1751.3049,"sentiment":"neutral","sentiment_score":-0.04763546111908826},{"text":"I believe in future, they are reviewing it as a whole and reviewing the tiers to space them out a little bit more in regards to lower versus higher balances, but I'm not too sure when 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hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that.","start":1779.045,"end":1794.04,"sentiment":"neutral","sentiment_score":-0.20554897962313778}],"sentiment":"neutral","sentiment_score":-0.20554897962313778,"channel":0,"num_words":53,"start":1779.045,"end":1794.04},{"sentences":[{"text":"Yeah.","start":1794.27,"end":1794.77,"sentiment":"neutral","sentiment_score":-0.027543500065803528},{"text":"Only because, I guess, like, my contribution is relatively 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lot","start":1806.165,"end":1809.92,"sentiment":"neutral","sentiment_score":-0.0022124521848228243}],"sentiment":"neutral","sentiment_score":-0.0022124521848228243,"channel":1,"num_words":9,"start":1806.165,"end":1809.92},{"sentences":[{"text":"Yeah.","start":1810.1951,"end":1810.6951,"sentiment":"neutral","sentiment_score":0.016633836552500725}],"sentiment":"neutral","sentiment_score":0.016633836552500725,"channel":0,"num_words":1,"start":1810.1951,"end":1810.6951},{"sentences":[{"text":"for what I'm actually, I guess, contributing as well and the income that's coming in.","start":1810.62,"end":1816.62,"sentiment":"neutral","sentiment_score":0.03125752272705237},{"text":"So I think that's the part that is, yeah, I think withholding me as well.","start":1816.62,"end":1822.38,"sentiment":"neutral","sentiment_score":-0.12631980553269387},{"text":"So, yeah,","start":1822.38,"end":1823.595,"sentiment":"neutral","sentiment_score":0.029778456315398216}],"sentiment":"neutral","sentiment_score":-0.04269929154543206,"channel":1,"num_words":32,"start":1810.62,"end":1823.595},{"sentences":[{"text":"Yep.","start":1823.505,"end":1824.005,"sentiment":"neutral","sentiment_score":0.07532898336648941}],"sentiment":"neutral","sentiment_score":0.07532898336648941,"channel":0,"num_words":1,"start":1823.505,"end":1824.005},{"sentences":[{"text":"I'll I'll think about the I'll think about this part, a bit of a comparison, yeah, and then get back to you guys within thirty days.","start":1823.595,"end":1833.695,"sentiment":"neutral","sentiment_score":0.09496183808033283}],"sentiment":"neutral","sentiment_score":0.09496183808033283,"channel":1,"num_words":26,"start":1823.595,"end":1833.695},{"sentences":[{"text":"That's not a problem at all.","start":1834.145,"end":1835.265,"sentiment":"neutral","sentiment_score":0.26427148779233295},{"text":"You know?","start":1835.265,"end":1835.505,"sentiment":"neutral","sentiment_score":0.0650373212993145},{"text":"And, yeah, like I said, it's a bit above me.","start":1835.505,"end":1837.36,"sentiment":"neutral","sentiment_score":-0.02637761738151312},{"text":"Obviously, I can't make that change, but, you","start":1837.36,"end":1839.0399,"sentiment":"neutral","sentiment_score":-0.10607669595628977}],"sentiment":"neutral","sentiment_score":0.02320437799566067,"channel":0,"num_words":26,"start":1834.145,"end":1839.0399},{"sentences":[{"text":"Yes.","start":1839.03,"end":1839.53,"sentiment":"neutral","sentiment_score":-0.024296119809150696}],"sentiment":"neutral","sentiment_score":-0.024296119809150696,"channel":1,"num_words":1,"start":1839.03,"end":1839.53},{"sentences":[{"text":"know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something.","start":1839.0399,"end":1852.645,"sentiment":"neutral","sentiment_score":-0.09768706679625332},{"text":"But","start":1852.645,"end":1853.145,"sentiment":"neutral","sentiment_score":-0.0732947289943695}],"sentiment":"neutral","sentiment_score":-0.09723535683695916,"channel":0,"num_words":54,"start":1839.0399,"end":1853.145},{"sentences":[{"text":"Yep.","start":1852.9501,"end":1853.265,"sentiment":"neutral","sentiment_score":-0.092091366648674}],"sentiment":"neutral","sentiment_score":-0.092091366648674,"channel":1,"num_words":1,"start":1852.9501,"end":1853.265},{"sentences":[{"text":"as I said, that's a little bit above my pay grade.","start":1853.445,"end":1855.525,"sentiment":"neutral","sentiment_score":-0.24513849480585617},{"text":"I can't make","start":1855.525,"end":1856.085,"sentiment":"negative","sentiment_score":-0.34423717856407166}],"sentiment":"neutral","sentiment_score":-0.2663739270397595,"channel":0,"num_words":14,"start":1853.445,"end":1856.085},{"sentences":[{"text":"Of","start":1856.0651,"end":1856.225,"sentiment":"neutral","sentiment_score":-0.262233167886734}],"sentiment":"neutral","sentiment_score":-0.262233167886734,"channel":1,"num_words":1,"start":1856.0651,"end":1856.225},{"sentences":[{"text":"those","start":1856.085,"end":1856.325,"sentiment":"negative","sentiment_score":-0.3788089454174042}],"sentiment":"negative","sentiment_score":-0.3788089454174042,"channel":0,"num_words":1,"start":1856.085,"end":1856.325},{"sentences":[{"text":"course.","start":1856.225,"end":1856.545,"sentiment":"negative","sentiment_score":-0.3650666475296021}],"sentiment":"negative","sentiment_score":-0.3650666475296021,"channel":1,"num_words":1,"start":1856.225,"end":1856.545},{"sentences":[{"text":"decisions.","start":1856.325,"end":1856.8049,"sentiment":"neutral","sentiment_score":-0.17881175875663757}],"sentiment":"neutral","sentiment_score":-0.17881175875663757,"channel":0,"num_words":1,"start":1856.325,"end":1856.8049},{"sentences":[{"text":"Yep.","start":1856.545,"end":1857.045,"sentiment":"neutral","sentiment_score":0.026753580197691917}],"sentiment":"neutral","sentiment_score":0.026753580197691917,"channel":1,"num_words":1,"start":1856.545,"end":1857.045},{"sentences":[{"text":"But do you have any other questions in regards to that investment update or anything there, you know, or in regards to the appendix with the Australian super comparisons there for you?","start":1856.8049,"end":1867.48,"sentiment":"neutral","sentiment_score":0.07025662588421255}],"sentiment":"neutral","sentiment_score":0.07025662588421255,"channel":0,"num_words":32,"start":1856.8049,"end":1867.48},{"sentences":[{"text":"No.","start":1868.07,"end":1868.57,"sentiment":"neutral","sentiment_score":0.10067372769117355},{"text":"I appreciate the appendix you guys have provided.","start":1868.63,"end":1871.45,"sentiment":"positive","sentiment_score":0.41432227939367294},{"text":"It's really great and helpful for me to take a look.","start":1871.9099,"end":1874.7899,"sentiment":"positive","sentiment_score":0.638802707195282},{"text":"So no no questions from me.","start":1874.7899,"end":1876.71,"sentiment":"neutral","sentiment_score":0.208301509420077},{"text":"Just I just need the time.","start":1876.71,"end":1878.65,"sentiment":"neutral","sentiment_score":0.11968237658341725}],"sentiment":"positive","sentiment_score":0.38781203306280077,"channel":1,"num_words":32,"start":1868.07,"end":1878.65},{"sentences":[{"text":"Yeah.","start":1879.235,"end":1879.475,"sentiment":"neutral","sentiment_score":0.03881381079554558},{"text":"And as I said, there's no rush.","start":1879.475,"end":1881.335,"sentiment":"neutral","sentiment_score":0.06860647350549698},{"text":"You might get someone that will call and follow-up to see if you do have any questions in regards to that in the meantime if they don't hear from you.","start":1881.395,"end":1887.9551,"sentiment":"neutral","sentiment_score":0.05319197637339433},{"text":"But I don't think there'll be sort of any sort of rush to be calling you tomorrow or anything like that.","start":1887.9551,"end":1892.28,"sentiment":"neutral","sentiment_score":-0.16772699231902757},{"text":"So","start":1892.28,"end":1892.76,"sentiment":"neutral","sentiment_score":0.11755471676588058}],"sentiment":"neutral","sentiment_score":-0.021498228423297405,"channel":0,"num_words":60,"start":1879.235,"end":1892.76},{"sentences":[{"text":"Yep.","start":1892.405,"end":1892.79,"sentiment":"neutral","sentiment_score":0.14326409995555878}],"sentiment":"neutral","sentiment_score":0.14326409995555878,"channel":1,"num_words":1,"start":1892.405,"end":1892.79},{"sentences":[{"text":"that's","start":1892.76,"end":1893.0801,"sentiment":"neutral","sentiment_score":0.186274915933609}],"sentiment":"neutral","sentiment_score":0.186274915933609,"channel":0,"num_words":1,"start":1892.76,"end":1893.0801},{"sentences":[{"text":"Mhmm.","start":1892.79,"end":1893.29,"sentiment":"neutral","sentiment_score":0.14388251304626465}],"sentiment":"neutral","sentiment_score":0.14388251304626465,"channel":1,"num_words":1,"start":1892.79,"end":1893.29},{"sentences":[{"text":"perfectly fine.","start":1893.0801,"end":1893.8,"sentiment":"positive","sentiment_score":0.35084089636802673},{"text":"But, yeah, feel free to read through the documents, come back with any questions you do have, and then you can get booked back in for","start":1893.8,"end":1899.3201,"sentiment":"neutral","sentiment_score":0.23480044505917108}],"sentiment":"neutral","sentiment_score":0.24308904872408935,"channel":0,"num_words":28,"start":1893.0801,"end":1899.3201},{"sentences":[{"text":"Okay.","start":1899.2505,"end":1899.7505,"sentiment":"neutral","sentiment_score":0.14304184913635254}],"sentiment":"neutral","sentiment_score":0.14304184913635254,"channel":1,"num_words":1,"start":1899.2505,"end":1899.7505},{"sentences":[{"text":"another conversation if you feel like you need that or if you need any assistance with anything else, feel free to just reach out there.","start":1899.3201,"end":1905.1951,"sentiment":"neutral","sentiment_score":0.20887372463941575}],"sentiment":"neutral","sentiment_score":0.20887372463941575,"channel":0,"num_words":25,"start":1899.3201,"end":1905.1951},{"sentences":[{"text":"Great, Carl.","start":1905.7909,"end":1906.1909,"sentiment":"positive","sentiment_score":0.8224300146102905},{"text":"Thank you so much for your help.","start":1906.1909,"end":1907.731,"sentiment":"positive","sentiment_score":0.8698461736951556}],"sentiment":"positive","sentiment_score":0.8593092494540744,"channel":1,"num_words":9,"start":1905.7909,"end":1907.731},{"sentences":[{"text":"No problem at all, Hina.","start":1907.8151,"end":1908.6951,"sentiment":"positive","sentiment_score":0.7642394661903381},{"text":"You enjoy the rest of your day.","start":1908.6951,"end":1909.495,"sentiment":"positive","sentiment_score":0.8379595449992588},{"text":"Thanks for your time this morning.","start":1909.495,"end":1910.795,"sentiment":"positive","sentiment_score":0.8384464780489603}],"sentiment":"positive","sentiment_score":0.8176440563466814,"channel":0,"num_words":18,"start":1907.8151,"end":1910.795},{"sentences":[{"text":"You too.","start":1910.351,"end":1910.8309,"sentiment":"positive","sentiment_score":0.5663262903690338},{"text":"Thank you, Carl.","start":1910.8309,"end":1911.5509,"sentiment":"positive","sentiment_score":0.7093891898790995},{"text":"Bye.","start":1911.5509,"end":1912.0509,"sentiment":"positive","sentiment_score":0.49764037132263184}],"sentiment":"positive","sentiment_score":0.6264100869496664,"channel":1,"num_words":6,"start":1910.351,"end":1912.0509},{"sentences":[{"text":"Bye.","start":1912.295,"end":1912.795,"sentiment":"neutral","sentiment_score":-0.1019226685166359}],"sentiment":"neutral","sentiment_score":-0.1019226685166359,"channel":0,"num_words":1,"start":1912.295,"end":1912.795}]},"summary":{"result":"success","short":"The Oicht Financial representative called Hina to confirm their personal information and provide advice on their investment portfolio. They discussed the process and risk profiles of the customer's superannaps fund, and the use of the JPMorgan Global Research enhanced index. The fee for adviser services is reduced to $335 per annum, but the fee is cheaper in terms of investment fees and adviser fees for Australian super advisers. The speaker emphasizes the importance of making a decision at the end of the day and avoiding risk, and offers to review investments and adjust the portfolio if needed. They also recommend updating the client's portfolio and setting up a will to settle estate."},"intents":{"segments":[{"text":"I just scheduled in for that statement of advice presentation Yes. this morning.","start_word":33,"end_word":45,"intents":[{"intent":"Obtain statement of advice","confidence_score":0.00088677567},{"intent":"Schedule statement of advice presentation","confidence_score":0.40471926}]},{"text":"Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please? Yes.","start_word":52,"end_word":77,"intents":[{"intent":"Pass through security","confidence_score":0.64038706}]},{"text":"So we'll be sending this out to your email there, Henako dot Yep. f@iCloud.com. At icloud dot com. Yes.","start_word":163,"end_word":181,"intents":[{"intent":"Send message to email","confidence_score":0.017746815}]},{"text":"And then we can run through the the statement advice that you'd say. And any questions you have in regards to that, feel free to let me know. Otherwise, you can take it away, have a read Okay. through it, and come back with any questions you might have. Okay.","start_word":257,"end_word":306,"intents":[{"intent":"Run through statement advice","confidence_score":0.06541607}]},{"text":"And any questions you have in regards to that, feel free to let me know. Otherwise, you can take it away, have a read Okay. through it, and come back with any questions you might have. Okay.","start_word":270,"end_word":306,"intents":[{"intent":"Answer questions","confidence_score":0.31829268}]},{"text":"I think that's what I put in quite a long time ago, but I'm happy to just leave it as is for now. Whatever that Yeah.","start_word":691,"end_word":716,"intents":[{"intent":"Leave nomination","confidence_score":0.21869089}]},{"text":"On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and Yep. then also your assets and liabilities.","start_word":869,"end_word":897,"intents":[{"intent":"Provide information","confidence_score":0.033603948}]},{"text":"On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and Yep. then also your assets and liabilities. Mhmm.","start_word":869,"end_word":898,"intents":[{"intent":"Make reference","confidence_score":0.0017214112}]},{"text":"As far as the risk profile, we're still keeping in a high growth. It's what you scored and what you're sort of comfortable moving with forward. Given your age and time to retirement, you can more than afford to take on that level of risk of around that nine percent growth as it's around 10% defensive, if that makes sense. Mhmm.","start_word":929,"end_word":989,"intents":[{"intent":"Explain benefits","confidence_score":0.002184364}]},{"text":"Now when getting to the superannuation recommendation part, also in the appendix, we did do some comparisons there for you Okay.","start_word":990,"end_word":1010,"intents":[{"intent":"Compare charges","confidence_score":0.00017916167}]},{"text":"a look there based on sort of your past performance of your current fund versus the high growth in Australian super versus what we're recommending versus the high growth in Australian super there as well. Just do you be able to review?","start_word":1025,"end_word":1066,"intents":[{"intent":"Review portfolio recommendations","confidence_score":0.22069506}]},{"text":"If you were to stay on board, you can sort of, you know, pay a bit more attention to what is going on and the reports that you can Yep. generate to be able to see what is happening with your superannuation and come back with any concerns you might have.","start_word":1537,"end_word":1587,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.18116899}]},{"text":"the update, not only is it removing that underperforming asset, it's sort of allocating the rest of your portfolio to other investments that not only is heavily weighted.","start_word":1734,"end_word":1761,"intents":[{"intent":"Allocation portfolio","confidence_score":0.0069879913}]},{"text":"It increases your diversification across different areas, Uh-huh.","start_word":1780,"end_word":1787,"intents":[{"intent":"Increase diversification and increase portfolio coverage","confidence_score":0.000006067946}]},{"text":"So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly.","start_word":2107,"end_word":2136,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.12190497}]},{"text":"I don't know if there are any extra fees for those kind of funds or not necessarily. They do generally carry slightly higher fees.","start_word":2470,"end_word":2493,"intents":[{"intent":"Calculate fees and recommends","confidence_score":0.00006295497},{"intent":"Clarifies investment fees and fee difference","confidence_score":0.0000021909627},{"intent":"Suggests pricing for adviser fee","confidence_score":0.000043883898}]},{"text":"They do generally carry slightly higher fees. So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending.","start_word":2486,"end_word":2550,"intents":[{"intent":"Discusses portfolio benefits and recommends","confidence_score":0.00034484253},{"intent":"Discusses portfolio comparisons","confidence_score":0.00056353374},{"intent":"Discusses portfolio pricing","confidence_score":0.00036430825}]},{"text":"If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure. You're getting charged for the adviser fee, if that makes sense. Okay.","start_word":2790,"end_word":2830,"intents":[{"intent":"Explains market dynamics","confidence_score":0.004835247}]},{"text":"So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments. Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains. So that's the reason it's a lot lower.","start_word":2858,"end_word":2907,"intents":[{"intent":"Reducing capital gains","confidence_score":0.0016138026}]},{"text":"So even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well.","start_word":2946,"end_word":2978,"intents":[{"intent":"Saving money","confidence_score":0.5833801}]},{"text":"It does work out that you would be saving money on your investments. And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon. Yep.","start_word":2979,"end_word":3046,"intents":[{"intent":"Comparing portfolios","confidence_score":0.10347616}]},{"text":"So within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost Right.","start_word":3088,"end_word":3119,"intents":[{"intent":"Managing funds","confidence_score":0.052926946},{"intent":"Understanding adviser fees","confidence_score":0.013559234}]},{"text":"You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up.","start_word":3183,"end_word":3205,"intents":[{"intent":"Clarify fees","confidence_score":0.014437667}]},{"text":"That's sort of where some of the value comes from as well. Yep.","start_word":3883,"end_word":3895,"intents":[{"intent":"Assess value of a fee","confidence_score":0.000004632734}]},{"text":"Yep.","start_word":4263,"end_word":4263,"intents":[{"intent":"Evaluate adviser recommendations","confidence_score":0.055018507}]},{"text":"Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super. In fact, then I'm still happy to, I guess, continue with your services. It's just yeah.","start_word":4265,"end_word":4313,"intents":[{"intent":"Understand data","confidence_score":0.00003307646}]},{"text":"In fact, then I'm still happy to, I guess, continue with your services. It's just yeah.","start_word":4297,"end_word":4312,"intents":[{"intent":"Express optimism","confidence_score":0.054165434}]},{"text":"I think it was just like a lack of confidence that I just felt.","start_word":4313,"end_word":4326,"intents":[{"intent":"Express uncertainty","confidence_score":0.013511266},{"intent":"Express dissatisfaction","confidence_score":0.029640445}]},{"text":"But, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it. Yeah.","start_word":4327,"end_word":4348,"intents":[{"intent":"Provide recommendation","confidence_score":0.09526761}]},{"text":"You'll lower those investment costs moving forward, which is a guaranteed savings.","start_word":4406,"end_word":4417,"intents":[{"intent":"Reduce investment costs","confidence_score":0.028012175}]},{"text":"JPMorgan Global Research. And then it's just a bit more of a balance. You spread across a few more investments. And then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well. Yeah. No. I understand.","start_word":4467,"end_word":4536,"intents":[{"intent":"Identify market potential","confidence_score":0.000004284493}]},{"text":"So people looking at that would be like with it's still gonna perform well over the long term.","start_word":4833,"end_word":4850,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.1428728}]},{"text":"There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio.","start_word":4935,"end_word":4963,"intents":[{"intent":"Review investments","confidence_score":0.047886312}]},{"text":"So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash.","start_word":4966,"end_word":5006,"intents":[{"intent":"Understand market volatility","confidence_score":0.0023107813}]},{"text":"And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach.","start_word":5064,"end_word":5089,"intents":[{"intent":"Consider alternative investments","confidence_score":0.054303814},{"intent":"Recommend alternatives","confidence_score":0.0007163295}]},{"text":"But like you said, before, it does come at a higher cost. We looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years. Yep.","start_word":5090,"end_word":5159,"intents":[{"intent":"Explain cost considerations","confidence_score":0.00011942046}]},{"text":"But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all?","start_word":5161,"end_word":5191,"intents":[{"intent":"Discuss investment change","confidence_score":0.22019011},{"intent":"Review investment change","confidence_score":0.39446485}]},{"text":"So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change.","start_word":5215,"end_word":5240,"intents":[{"intent":"Provide feedback","confidence_score":0.0051026437},{"intent":"Express satisfaction","confidence_score":0.055661146}]},{"text":"Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no. I just wanna, you know, Exactly. move on Yeah. it.","start_word":5241,"end_word":5282,"intents":[{"intent":"Express uncertainty","confidence_score":0.024114748}]},{"text":"I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there. And then Yep.","start_word":5325,"end_word":5366,"intents":[{"intent":"Ensure satisfaction with service and document","confidence_score":0.0000020695957}]},{"text":"Obviously, the adviser fee is based on that 1.65%.","start_word":5473,"end_word":5481,"intents":[{"intent":"Inform about adviser fee and tiers","confidence_score":0.00003401677}]},{"text":"I do want, I guess, to ask the adviser, yeah, service fee. Can that change at all or not?","start_word":5562,"end_word":5580,"intents":[{"intent":"Discuss lowering service fee","confidence_score":0.012695243}]},{"text":"a bit above me in regards to making that change.","start_word":5695,"end_word":5704,"intents":[{"intent":"Make a change","confidence_score":0.06722594}]},{"text":"like that is the only thing hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that. Yeah.","start_word":5711,"end_word":5764,"intents":[{"intent":"Have a conversation with advisers","confidence_score":0.047312956}]},{"text":"Only because, I guess, like, my contribution is relatively on Yeah. the low side.","start_word":5765,"end_word":5778,"intents":[{"intent":"Compare contributions","confidence_score":0.3670084}]},{"text":"know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something. But Yep.","start_word":5890,"end_word":5944,"intents":[{"intent":"Have a conversation with a senior adviser","confidence_score":0.00032309137}]}]},"sentiments":{"segments":[{"text":"Hello. This is Tina speaking.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.05479820817708969},{"text":"Good morning, Hina.","start_word":5,"end_word":7,"sentiment":"positive","sentiment_score":0.43013179302215576},{"text":"It's Carl calling from Ophi Financial. How are you today? Yeah.","start_word":8,"end_word":18,"sentiment":"neutral","sentiment_score":0.2640070617198944},{"text":"Good. Thanks.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.4743071794509888},{"text":"How are you? Yeah. Not too bad at all.","start_word":21,"end_word":29,"sentiment":"neutral","sentiment_score":0.27399682998657227},{"text":"Thanks for asking.","start_word":30,"end_word":32,"sentiment":"positive","sentiment_score":0.5882611274719238},{"text":"I just scheduled in for that statement of advice presentation Yes. this morning.","start_word":33,"end_word":45,"sentiment":"neutral","sentiment_score":0.24514774978160855},{"text":"Yes. That would be great. Perfect.","start_word":46,"end_word":51,"sentiment":"positive","sentiment_score":0.6455879211425781},{"text":"Just to jump into that one today, though, Henik, can I just pass through security with that name, date of birth, and current address, please? Yes. It's connected to the date of birth is 03/28/1993. Current address is for what what am I living? Oh my god. 4 Uxbridge Avenue, Tom Carter. Yep. Alright.","start_word":52,"end_word":105,"sentiment":"neutral","sentiment_score":0.06553678959608078},{"text":"Perfect. Not a problem at all.","start_word":106,"end_word":111,"sentiment":"positive","sentiment_score":0.3767126500606537},{"text":"It's okay. It's a bit early in the morning. So and then in regards to your personal information, everything that was discussed previously, can I just confirm that is all accurate and up to date? So you haven't sort of had any major changes since we last No. spoke? No. Perfect. So we'll be sending this out to your email there, Henako dot Yep. f@iCloud.com. At icloud dot com. Yes. Yep.","start_word":112,"end_word":182,"sentiment":"neutral","sentiment_score":0.10366395860910416},{"text":"Perfect.","start_word":183,"end_word":183,"sentiment":"positive","sentiment_score":0.3567093014717102},{"text":"So I'll send that through now, and hopefully that comes through very shortly there. Within regards to that one, you will is it's quite a simple advice piece in terms of just looking at the investment updates. You'll have the appendix. You'll have the statement of advice. You'll have OQ services guide and OQ financial services guide, Okay. and Okay. then just the PDF for your your current superannuation fund there as well. And then we can run through the the statement advice that you'd say. And any questions you have in regards to that, feel free to let me know. Otherwise, you can take it away, have a read Okay. through it, and come back with any questions you might have. Okay. Sure. So I'm just opening it now. Alright. Yep. So I have it in front of me. Is there anything I don't know. I'm assuming everything that was discussed previously is in this. In regards to just, like, personal Are information there anything and yeah. I guess, like, is there anything that, I don't know, that's not that has never really been mentioned or No. It it is quite, as I said, straightforward. yep. So it was finalized there on the March 30 in regards to when it Yes. was created to a previous. It's created for yourself by myself and the team there as an authorized representative of Oakview Financial. I know you did also have a conversation with Tommy, and we're still Mhmm.","start_word":184,"end_word":431,"sentiment":"neutral","sentiment_score":0.11268027277002413},{"text":"happy Yes. to receive the document in regards to the update.","start_word":432,"end_word":442,"sentiment":"positive","sentiment_score":0.4355640709400177},{"text":"So, obviously, with Mhmm.","start_word":443,"end_word":446,"sentiment":"neutral","sentiment_score":0.3090248703956604},{"text":"the best interest, Judy, we always aim to put you in a better position than what you were currently in as part of, like, our duty as advisers.","start_word":447,"end_word":474,"sentiment":"positive","sentiment_score":0.4213838875293732},{"text":"As far as the advice itself, it is pertaining just to the superannuation side of things. So we had a look at your superannuation fund, the investments, and then also we just included the estate planning side of things just given that you don't have a current will in place just as a reminder to get that done. As far as stuff that we did discuss that we're not considering as part of the advice was insurances. You're happy having no insurances. You're budgeting Mhmm. and savings with having the property and the debt and things like that. You're happy managing that yourself with the way you're traveling currently with your your work and stuff. Mhmm. So there is a limited advice warning. Basically, it's saying that we're only providing advice on the superannuation estate planning side of things. And then as far as the advice itself, it's quite straightforward in terms to what we're recommending. So we are recommending that you retain your net wealth superannuation and then change your underlying investments and then establish a new beneficiary nomination because I believe you have your mother from memory as your nomination for your superannuation fund. Yes. I I don't yeah. Apparently, I don't have any, like, wheel in place or anything. So I think yeah. I think that's what I put in quite a long time ago, but I'm happy to just leave it as is for now. Whatever that Yeah. I put in. Yeah. I'll just quickly grab it. Susanna. Yes. Zena is my sibling, but I was told Oh, that to, Sibon. yeah, to put in siblings, like, I need to actually do the do the will, and I haven't done that. So, yeah, I'm Yeah.","start_word":475,"end_word":763,"sentiment":"neutral","sentiment_score":0.07092421914363815},{"text":"happy to just leave it.","start_word":764,"end_word":768,"sentiment":"positive","sentiment_score":0.5785002708435059},{"text":"Yeah. Not a problem. So as part of that recommendation, apologies, I mixed up your email and sibling, but it's basically, yeah, to make sure you have a valid nomination that has to meet the SIS requirement. So, yeah, once you get around to sample bill, and then you can do your legal personal representative through that to be able to establish that, which is what we've recommended there or, you know, at such time, if you have, like, children, your partner, things like that that you wanna nominate, you can sort of they all fall under that nomination. Mhmm. On page seven and eight there, you will see your details just in a snapshot of your your current occupation details and Yep. then also your assets and liabilities. Mhmm. In regards to the home, it's just listed as, like, the full value, but, obviously, it's 50% liability and ownership between you and your your sister there, which is fine. As far as the risk profile, we're still keeping in a high growth. It's what you scored and what you're sort of comfortable moving with forward. Given your age and time to retirement, you can more than afford to take on that level of risk of around that nine percent growth as it's around 10% defensive, if that makes sense. Mhmm. Now when getting to the superannuation recommendation part, also in the appendix, we did do some comparisons there for you Okay.","start_word":769,"end_word":1010,"sentiment":"neutral","sentiment_score":0.13378185033798218},{"text":"in regards to Australian super just Oh, so you thank can have you.","start_word":1011,"end_word":1023,"sentiment":"positive","sentiment_score":0.36621835827827454},{"text":"a look there based on sort of your past performance of your current fund versus the high growth in Australian super versus what we're recommending versus the high growth in Australian super there as well. Just do you be able to review? Obviously, with regards to industry funds, when you do go and just select, like, default options, generally, they're around the growth sort of mark. So that's something to be mindful of if you do decide to to leave and open an industry fund that making sure that your investments are aligned with what you sort of want in regards Mhmm. to that risk and allocation there to the the market and the growth assets. So with that, obviously, we did recommend retaining net wealth, and that's for a few reasons.","start_word":1024,"end_word":1155,"sentiment":"neutral","sentiment_score":0.05033623427152634},{"text":"Not only is it still like a a valued fund in the market in the retail space in terms of, like, the features offered, the the capabilities in regards to providing advice.","start_word":1156,"end_word":1187,"sentiment":"positive","sentiment_score":0.35637417435646057},{"text":"But in addition to that one, you do have about a $2,000 tax liability with CGT if you were to sort of sell down and move out, which is going to be mindful of if you did leave. That is also illustrated in the appendix there for you to have a look at moving to Australian Super, what that does look like. Now Right. Sorry. Sorry. Could you just explain that part? The 2,000, it comes from what? Sorry. so the way industry fund works, a lot of them are unitized to where you buy the unit price, and Mhmm. that the taxes are built into the unit price. Whereas Right. when you have, like, direct shares and ETFs with the retail platforms, the CGT is paid upon, like, sale or sell down of the funds. And then Right. with the growth you've had in your superannuation, it's sitting around the $2,000 mark. You sold everything to cash. That's sort of around the mark, like, based on when this was done of how much you'd have to pay or, like, it would come out of it, the superannuation balance for the tax liability for capital gain. Okay. Right. Yep. Okay. Sure. Alright. It's not like an out of pocket cost. It's just on the growth that you've earned from those Mhmm. assets because, yeah, obviously, like, you're holding, you know, shares and ETFs that do have that growth, and, unfortunately, the government does want their share of that. Yes. Obviously, the way industry funds work, it, yeah, built into the unit price upon on sales. You don't have to worry about it as much in regards to that. But, yeah, a bit bit different on a retail platform. And with retaining that, obviously, you still have the usability of Netwealth, their reporting features, all the access you have currently to be able to review and monitor your superannuation. I'm not too sure how much you have been doing that probably a bit more recently than past, but the reporting tools are still quite good, Okay. especially moving Mhmm.","start_word":1188,"end_word":1535,"sentiment":"neutral","sentiment_score":0.08001169266885724},{"text":"forward.","start_word":1536,"end_word":1536,"sentiment":"positive","sentiment_score":0.3394256830215454},{"text":"If you were to stay on board, you can sort of, you know, pay a bit more attention to what is going on and the reports that you can Yep. generate to be able to see what is happening with your superannuation and come back with any concerns you might have. Now the the recommendation with the update there as well, obviously, it's to remove that key portion there of that Benelon holding Okay. That that alone.","start_word":1537,"end_word":1613,"sentiment":"neutral","sentiment_score":0.12524206936359406},{"text":"hasn't been Yep.","start_word":1614,"end_word":1616,"sentiment":"negative","sentiment_score":-0.38421088457107544},{"text":"performing too well for you. That obviously is quite a key weighting in your current portfolio, and the risk that comes with that is quite high with the manager risk of having, like, 30% in an actively managed fund between someone that makes those decisions and something that isn't an index because you're just tracking whatever performance metrics that they have to be able to try and outperform the market.","start_word":1617,"end_word":1686,"sentiment":"neutral","sentiment_score":-0.27001532912254333},{"text":"And, obviously, with Penalong there, at the end of the year, they obviously made some wrong decisions in regards to certain underlying investments in addition to, obviously, the war has caused portfolios as a whole to take a little bit of a dip.","start_word":1687,"end_word":1729,"sentiment":"negative","sentiment_score":-0.45877259969711304},{"text":"So with Mhmm. the update, not only is it removing that underperforming asset, it's sort of allocating the rest of your portfolio to other investments that not only is heavily weighted. So when one of those assets don't have quite a good year, it isn't heavily expected on your portfolio. It increases your diversification across different areas, Uh-huh. and it still maintains a portion of active investment, but not to the extent that you've currently got. So you still have a slight ability to potentially out on the market, but it doesn't come with the extreme manager risk of some of those managed portfolios or funds that you previously had with that Benelon. So with the update, there is a JPMorgan Global Research enhanced index. It still is an index, and it is managed to an extent, but that would be your active portion. It's only around 15%, so significantly less than what you had currently with the Benelon. In addition to that one, you will be spread across a number of ETFs to help diversify slightly more. It'll also reduce slightly exposure in the S and P 500 to around the 25% mark just to be able to still have that core of your portfolio. It reduces the amount of capital gains you would pay in regards to selling down your whole portfolio and as opposed to still maintaining that core and then sort of having the rest of the portfolio distributed amongst other investments across India, which is like an emerging market. You've got some health Okay. care, and then you've got some exposure in Australia both in the RAFI index and the Australian 200. And then you've also still got your defensive portion with the iShares composite bond, and you still hold some gold, which is a bit of a growth and defensive asset. Yeah. I can see that iShares S and P 500 is being reduced from 32% weight to 24.75. Yep. What's the reasoning behind So that's just to have the allocations across that. So it's not in the sense that they believe that we want to move away from The US market by any that? means. It just was to help diversify a little bit more across the other investments. So within regards to that, you had quite a heavy weighting of the S and P five hundred, which has done quite well, and Benelon, which has done quite poorly. With that, you'd only be reducing about the 5%, but that also means that you can have a bit of exposure still, like, in the the cybersecurity space still in gold, and then those three would stay. And then you have the exposure in India as an emerging market, health care, and then a nice chunk to allocated to Australian equities there as well. And then still Right. maintaining that active component there with the JPMorgan enhanced index, which is the not as active as, like, an actively managed fund as opposed to that because it still is an equity index, but it still is an active component to try and outperform the market somewhat. Sorry. In when you say active, could you explain what that means? So the index is a a passive generally, like the S and P 500. That is just the top 500 companies in America Yep. at that time. And as companies rise and fall, they fall out of that index, which means you hold them and then you don't. It means that the volatility is normally slightly less because they're just tracking what the market is doing as companies do fall. They fall out. You don't hold that investment. It's Yes. dynamic in that sense, whereas with the active component, they pick and choose. It's not just based off a set of metrics. It's sort of goes beyond that a little bit and then picking and choosing who falls into that based on their metrics and then also generally some to do with the the indexes as well to pick and choose Right. some some winners a bit to be able to try Okay. and app on that market, which is what, like, the actively managed Benelon fund was trying to do, but, obviously, they haven't done quite well in the past year there. Okay. I see. Yep. And are Yep. there sorry. This might be a silly question, but are there, like, like, higher, I guess? I don't know if there are any extra fees for those kind of funds or not necessarily. They do generally carry slightly higher fees.","start_word":1730,"end_word":2492,"sentiment":"neutral","sentiment_score":0.02466950127623028},{"text":"So it is less like, the portfolio that's recommended is cheaper than what you've currently got because not only you're reducing that active component through Benelong and still maintaining a portion of that, But the indexes that you currently hold within regards to data shares are quite cheap in regards to their investment costs that we are recommending.","start_word":2493,"end_word":2550,"sentiment":"positive","sentiment_score":0.48250776529312134},{"text":"If you go over the page to the 16, you'll be able to see the cost change difference in the amount of money you're spending currently on the investment fees. So Yeah. I am looking at that. I'm wondering the current and the recommended difference for the adviser service fees, and it's so the the way that that's calculated is based on the performance over a year as well. So, obviously, if the fund does, like, what it has done previously with that 13%, which, obviously, rolling averages are you know, they're just a figure at the end of the day because the markets aren't gonna replicate year on year over the next five years as they did previously, but it's based on the calculation of you got the 13%, which likely, especially given the current markets with the war and everything won't occur. We just use that as a metric to be able to illustrate moving forward what that sort of looks like, but it also just calculates into that adviser fee price to give you an understanding of if it did perform 13%, what that would be over the course of twelve months with the growth. So that's why it goes up. It's not in the sense that you're actually charged that. It's still based on just the 1.6 Right. 5% of your balance. But, Yep. obviously, if your super does better, the fee does go up. If the market stay a bit stagnant or take a bit of a dive like it has, you actually get charged less in terms of, like, the monthly figure. You're getting charged for the adviser fee, if that makes sense. Okay. Yep. Sorry. I'm just kind of yes. Yes.","start_word":2551,"end_word":2838,"sentiment":"neutral","sentiment_score":0.07780525165920456},{"text":"It does. Thank you for explaining.","start_word":2839,"end_word":2844,"sentiment":"positive","sentiment_score":0.5917936563491821},{"text":"I'm just, yeah, currently looking at that page a bit more closely. Yep. So the the top right hand corner, the difference there would be the capital gains that you would pay to switch up the investments. Obviously, it utilizes some of the losses of Ben along there to offset some of the capital gains.","start_word":2845,"end_word":2899,"sentiment":"neutral","sentiment_score":0.13543447852134705},{"text":"So that's the reason it's a lot lower. And then with that, their investment fees would be reduced down to about $335 per annum in terms of the investment you do hold and then the recommended portfolio, which would guarantee like, it would save you $365. So even if it only did slightly better or if it did the same, at least you're saving money that is going into being invested for over a longer term period as well. It does work out that you would be saving money on your investments.","start_word":2900,"end_word":2991,"sentiment":"positive","sentiment_score":0.5011088252067566},{"text":"And then it is a lot safer in terms of, like, reducing that risk, diversifying a bit more across a few different investments to where if one of them have a bad year, at least your whole portfolio or, like, a third of your portfolio isn't taking a dive like we've happened with Benelon. Yep. I see. Okay. Let's see. Again, sorry. This might be a silly question, but do No. You're right. do do you if I'm new with some places like Australian Super, Do you know, like, what the adviser service fee is like? So within regards to AustralianSuper, they don't have adviser fees per se because they manage their funds, but they normally build the price into, like, the investment cost and the cost Right. of, like, holding the investments. So, generally, in industry funds, a lot of the investment fees are And higher because they're not actually advising you. They're not actually giving you personalized advice, but it goes into, like, the work they put in for the investments and the the the investments they put together. So, generally, that can be a little bit higher. You'll be able to see in the appendix what the fees look like in terms of it, and I'll just bring it up. So currently, at the moment, in your current form with the amount of active management you do have, it would be cheaper in terms of, like, the investment cost if you were an Australian super. And then obviously, you wouldn't have the adviser fee and then having a platform that isn't as comprehensive as Netwealth, and it's reporting and tracking and being able to view your super. The administration fees and membership fees are generally a bit less When Yes. you look I'm sorry. Sorry. When you say appendix, what where is that? Sorry. so if you look in the email chain, it's not on the statement of advice. It's a separate document, the appendix to the statement of advice. Oh. Oh, yes. Sorry. In the bottom. Yes. Sorry about Yeah. No. No. You're fine. And then if you looked at the the recommended, that. Yes. obviously, you still pay more in terms of, like, administration and regards to building advice strategies with, like, transition to retirement, things like that as well.","start_word":2992,"end_word":3376,"sentiment":"neutral","sentiment_score":0.061437447736789656},{"text":"And then the investment fee that we're recommending would be significantly lower than that fee.","start_word":3377,"end_word":3391,"sentiment":"positive","sentiment_score":0.39542001485824585},{"text":"And then also, you still have to take into account the adviser fee that would be charged with having the the service and the additional services listed in the services guide and financial services guide as you get under that as well and the advice updates you can get.","start_word":3392,"end_word":3440,"sentiment":"neutral","sentiment_score":0.24791596829891205},{"text":"So, obviously, in regards to industry versus retail and having adviser, it is cheaper just to be in industry if you want to sort of just leave it alone and not worry about it and just be happy with what you're you're getting.","start_word":3441,"end_word":3483,"sentiment":"positive","sentiment_score":0.3566276431083679},{"text":"But if you want to be a little bit more involved and take advantage of the service a little bit more and then make use of sort of the service to where the adviser fee makes sense for you, that's sort of where the decision sort of comes from there as well. Right. Yeah. Yeah. I think one of the things, I guess, like, my balance, you know, isn't terribly high, and I wondered whether the fee is I guess, like, when you when there's, you know, when people are near retirement and they, you know, have saved quite a fair deal and then put it into a for a lot much longer period of time, But then it would make, I guess, a much more bigger bigger of a difference, I suppose, and having, yeah, your your help. And I think, yeah, I think I just I don't know. I think I'm just wavering at the moment. Yeah. And I don't wanna push you sort of either way. Obviously, it is a personal decision at the end of the day whether or not you feel like you're getting enough out of the service to make it worth worthwhile. Obviously, with the percentage figure, it is sort of beneficial in the sense that, like, with the lower balances, you're not just getting charged a higher fee, like you said, for lower balances and not sort of making it worse that you don't feel like you're sort of taking advantage as much as, like, someone that might be, you know, years down the track looking at other investments, investment properties, trying to structure things a little bit differently as opposed to, you know, just paying down your your primary mortgage and then having Yeah. your superannuation. So, you know, if you felt like it might be something in the future that you might come back to, that's more than fine as well.","start_word":3484,"end_word":3804,"sentiment":"neutral","sentiment_score":0.1917077613025439},{"text":"Or if it's something that you feel like you might just take a bit more of an interest in, monitor a little bit more, take a little bit more of an interest, like, at your annual review times to sort of see how things are going and asking a few more questions to where you get imparted a little bit more knowledge to be able to make some more informed decisions in regards to your situation as well. That's sort of where some of the value comes from as well.","start_word":3805,"end_word":3894,"sentiment":"positive","sentiment_score":0.3882127702236175},{"text":"Yep. Okay. I'm not hard to make this decision at this stage. Yeah. You don't Is have to it make a the decision at the top. Like, you've got thirty days from this advice, thirty yeah, for this to be valid, and then another thirty after that if you confirm your details. So Yes. Okay. as I said, you don't have to make a decision on the phone. Feel free to take it away. Have a bit of Yes. a read through it. Have a look at the financial services guide and OQ services guide.","start_word":3895,"end_word":3989,"sentiment":"neutral","sentiment_score":0.032506480572843235},{"text":"See if what is on offer as, like, a service you do get as an ongoing client is sort of what you want and if you want that moving forward.","start_word":3990,"end_word":4019,"sentiment":"positive","sentiment_score":0.4991882145404816},{"text":"And as I said, you know, there's no sort of ill will in regards to if you do decide that you think you're better off elsewhere.","start_word":4020,"end_word":4045,"sentiment":"neutral","sentiment_score":-0.17198756337165833},{"text":"We're not gonna sort of try and hold you hostage or anything like that.","start_word":4046,"end_word":4059,"sentiment":"negative","sentiment_score":-0.4055081009864807},{"text":"We obviously wanna Yeah. know Of course. try and do do better to help improve service, feel like people moving forward and things like that as well.","start_word":4060,"end_word":4086,"sentiment":"neutral","sentiment_score":0.15912538766860962},{"text":"But if it is purely sort of the bad deal with the performance, unfortunately, the performance is the one thing that isn't guaranteed with advice. It is unfortunate, but, obviously, no one knows what Trump's gonna do tomorrow, let alone what he's gonna tweak tonight. So with that as well, it's it's hard to just like, you can't guarantee those performances.","start_word":4087,"end_word":4147,"sentiment":"negative","sentiment_score":-0.5073511600494385},{"text":"Obviously, there's research that goes into the recommendations, and I can't sort of pertain to what you discussed yet previously as to why you had such a high allocation in that managed fund, whether it was to go a bit more aggressive, have a bit more of a chance at high growth early on versus, like, a little bit more of a diversified option and sustain, like, a longer term growth given this time to retirement versus, like, being younger and taking on a bit more risk while you're younger because you can afford to sorta be invested longer and take that risk while you're on the younger side of things versus later in life. Yep. Well, look, if you guys, yeah, if you guys believe that in, you know, I can't see the five year rolling average and things, It's gonna be, you know, better than showing super.","start_word":4148,"end_word":4296,"sentiment":"neutral","sentiment_score":-0.06508575064823932},{"text":"In fact, then I'm still happy to, I guess, continue with your services.","start_word":4297,"end_word":4309,"sentiment":"positive","sentiment_score":0.6370245814323425},{"text":"It's just yeah.","start_word":4310,"end_word":4312,"sentiment":"neutral","sentiment_score":-0.0198381207883358},{"text":"I think it was just like a lack of confidence that I just felt.","start_word":4313,"end_word":4326,"sentiment":"negative","sentiment_score":-0.521124005317688},{"text":"But, yeah, if you guys are, you know, giving this recommendation, then, you know, I'm happy to go along with it.","start_word":4327,"end_word":4347,"sentiment":"positive","sentiment_score":0.440410315990448},{"text":"Yeah. And as I said too, like, obviously, the five year rolling average is what's happened in five past previous years. So it's not really indicative of what might happen in the future, especially with how volatile everything is at the moment.","start_word":4348,"end_word":4389,"sentiment":"neutral","sentiment_score":-0.04683427885174751},{"text":"But the guaranteed thing is with the update is you'll still have access to the service. You'll lower those investment costs moving forward, which is a guaranteed savings. You'll have a bit more diversification. You'll have a bit more of an allocation to those indexes, which do just track the market, and then you'll have still slight exposure to active management while you're still younger to potentially maybe outperform what the markets are doing in that Yes.","start_word":4390,"end_word":4466,"sentiment":"positive","sentiment_score":0.4485721290111542},{"text":"JPMorgan Global Research. And then it's just a bit more of a balance. You spread across a few more investments. And then if the markets are taking a bit of a a dip, it generally means it's something like the war where the markets as a whole are taking a bit of a dip as opposed to, like, one underlying investment that isn't performing too well. Yeah. No. I understand. Yeah. But, yeah, I think yeah. I just want to be because I don't like, yes, you guys send newsletters, but, you know, in terms of that long, I think I've mentioned this, but I wish, you know, it was mentioned at end of the year when or not end of the year, but at the previous, like, what could possibly like, what was kind of already starting to happen. And I don't mind getting, like, information, like, through a phone call rather than getting a newsletter. And I think yeah.","start_word":4467,"end_word":4627,"sentiment":"neutral","sentiment_score":-0.101867921974348},{"text":"So I think that's just something to kind of yeah. That I want moving forward.","start_word":4628,"end_word":4642,"sentiment":"positive","sentiment_score":0.4797053039073944},{"text":"Yeah. If anything I can put you down for, like, three months or, like, quarterly catch up as part of, like, your service there. So, hopefully, every sort of three months or so, someone reaches out and has a bit of a discussion around everything. In regards to that, obviously, with the the underlying asset within Bennelong, that happened quite quickly. And then, obviously, the business, they always had to review that and everything before they sent out the newsletter in regards to their stance on what was happening. Prior to that, Bennelong probably wasn't performing, like, to the extent of what you might want for the cost you pay for an actively managed fund, but there wasn't by any means, like, having negative returns.","start_word":4643,"end_word":4767,"sentiment":"neutral","sentiment_score":-0.01616165041923523},{"text":"It was just sort of a slow potential recovery sort of getting that eight percent sort of onward from from COVID, which isn't sort of still horrible.","start_word":4768,"end_word":4794,"sentiment":"negative","sentiment_score":-0.41051605343818665},{"text":"And then with that, obviously, if that's still doing, you know, 8% plus the rest of your portfolio, your portfolio as a whole would still be doing quite well or was doing quite well along those that timeline. So people looking at that would be like with it's still gonna perform well over the long term. Obviously, in regards to the underlying asset, no one could sort of tell that they weren't reporting correctly and then have that information to be able to get out of Ben Long preemptively, if that makes sense. Yep. Yep.","start_word":4795,"end_word":4889,"sentiment":"neutral","sentiment_score":0.055009763687849045},{"text":"Okay. So I guess, yeah, we can go forward with it with what you guys have provided. Feel free to take your time, have a read through it, take the weekend, you know, read through the document, come back with any questions you might have. There is a list on the appendix there as well for you to be able to review the investments that we are recommending with the update in your portfolio.","start_word":4890,"end_word":4963,"sentiment":"positive","sentiment_score":0.4075050354003906},{"text":"Mhmm. So one of the bigger sort of things at the moment with how volatile the markets are when switching those investments around being in cash and moving to other investments is the sell down time and then time being in cash. So with that, if the markets do go back up, you're potentially buying at a bit higher of a price. If it takes a bit of a dive, you will buy it at a bit of a lower price. Just with how volatile everything is at the moment, that's something to just be aware of there as well. And then we should consider those alternatives for you in regards to moving back to Australian super moving just the investments to a more active approach. But like you said, before, it does come at a higher cost. We looked at minimizing the level of activity you do hold, and then also that reduces a level of risk that you do have, which helps smooth out that volatility, which, you know, can help with some concerns you may have with your super sort of taking a bit of a dive back with some some years. Yep. Yep. But in regards to any questions regarding that at all, Hina, do you have any other questions at all in regards to the investment change or anything regarding that at all? No. I think I just have to have a, you know, closer read and come back to you guys within thirty days. Yeah.","start_word":4964,"end_word":5214,"sentiment":"neutral","sentiment_score":0.008808125656439488},{"text":"So you've got plenty of time to get a review it, go over it, make sure you are happy with it, happy with the the change.","start_word":5215,"end_word":5240,"sentiment":"positive","sentiment_score":0.3953603506088257},{"text":"Because, obviously, you know, it all sounds great again now, but then you might sort of, you know, don't you decide it and then three days from now to go, actually, no. I just wanna, you know, Exactly. move on Yeah. it. Yeah. So I don't wanna pressure you into, you know, putting on paper now, making a change, and then have you fell down and move out anyway because then you're just paying more costs in regards to investment changes. So Yep.","start_word":5241,"end_word":5323,"sentiment":"neutral","sentiment_score":-0.08674903213977814},{"text":"I want you to take your time, make sure you are happy with it, make sure, you know, you've had a look at the services, what you can receive, and make sure you would be happy moving forward there. And then Yep. from that, if you were happy, then, obviously, if you sign the document, they'll get that implemented for you.","start_word":5324,"end_word":5384,"sentiment":"positive","sentiment_score":0.5647509694099426},{"text":"As far as the estate planning side of things, obviously, we're recommending setting up a will, power of attorney, and then also changing the nomination from the sister to just your will to be able to nominate, you know, things like your your sister and family members in the event of how your estate is settled settled.","start_word":5385,"end_word":5441,"sentiment":"neutral","sentiment_score":0.2121569961309433},{"text":"But as long as you're aware of that and you're happy doing that in your own time, that's more than fine as well. It's more than Yep.","start_word":5442,"end_word":5468,"sentiment":"positive","sentiment_score":0.47389867901802063},{"text":"a reminder than anything. Obviously, the adviser fee is based on that 1.65%. As long as you're aware of that, that's fine as well. And then just in regards to how it would be implemented if you did sign it or if you would do those investments switch for you, but then the estate planning side of things is up to you to implement at the time of day. And then if you did wanna make any amendments to the advice or not proceed, that's more than fine as well. Yep. Sure. Yes. I do want, I guess, to ask the adviser, yeah, service fee. Can that change at all or not? So at the moment, the only way it comes down is if your partner is on board, it drops down to 1.1% as like a coupling fee. But at the moment, it's still sitting at just that 1.65. I believe in future, they are reviewing it as a whole and reviewing the tiers to space them out a little bit more in regards to lower versus higher balances, but I'm not too sure when that Right. would be bringing that out, if that makes sense. Okay. Okay. Sure.","start_word":5469,"end_word":5668,"sentiment":"neutral","sentiment_score":0.1280169039964676},{"text":"Because, yeah, I think that might also make a difference as well definitely for decision making in the future for this.","start_word":5669,"end_word":5689,"sentiment":"positive","sentiment_score":0.3815454840660095},{"text":"Yeah. And, obviously, it's Yeah. a bit above me in regards to making that change. If you do Of feel course. like that is the only thing hindering you sort of, you know, staying on board, it might be worth, you know, having another conversation with, you know, Tommy or Larissa, the head of advice, to see if they're willing to, you know, drop it down for, like, twelve months or something like that. Yeah. Only because, I guess, like, my contribution is relatively on Yeah. the low side. And so, you know, 1.65%. I mean, to everyone, it's the same percentage, but, Yeah. like, it it just feels, like quite a lot Yeah. for what I'm actually, I guess, contributing as well and the income that's coming in. So I think that's the part that is, yeah, I think withholding me as well. So, yeah, Yep. I'll I'll think about the I'll think about this part, a bit of a comparison, yeah, and then get back to you guys within thirty days. That's not a problem at all. You know? And, yeah, like I said, it's a bit above me. Obviously, I can't make that change, but, you Yes. know, if you if you do feel like that is the only thing, you know, hindering you from staying onboard as a client, then, yeah, you can potentially have that conversation with one of the senior advisers and see if they're willing to drop that down for a twelve month period or something. But Yep. as I said, that's a little bit above my pay grade.","start_word":5690,"end_word":5955,"sentiment":"neutral","sentiment_score":-0.062439480418325366},{"text":"I can't make Of those course.","start_word":5956,"end_word":5961,"sentiment":"negative","sentiment_score":-0.3487243354320526},{"text":"decisions. Yep. But do you have any other questions in regards to that investment update or anything there, you know, or in regards to the appendix with the Australian super comparisons there for you? No.","start_word":5962,"end_word":5996,"sentiment":"neutral","sentiment_score":0.056835271418094635},{"text":"I appreciate the appendix you guys have provided. It's really great and helpful for me to take a look.","start_word":5997,"end_word":6015,"sentiment":"positive","sentiment_score":0.5406489968299866},{"text":"So no no questions from me. Just I just need the time. Yeah. And as I said, there's no rush. You might get someone that will call and follow-up to see if you do have any questions in regards to that in the meantime if they don't hear from you. But I don't think there'll be sort of any sort of rush to be calling you tomorrow or anything like that. So Yep. that's Mhmm.","start_word":6016,"end_word":6090,"sentiment":"neutral","sentiment_score":0.028495915550738573},{"text":"perfectly fine.","start_word":6091,"end_word":6092,"sentiment":"positive","sentiment_score":0.3379257321357727},{"text":"But, yeah, feel free to read through the documents, come back with any questions you do have, and then you can get booked back in for Okay. another conversation if you feel like you need that or if you need any assistance with anything else, feel free to just reach out there.","start_word":6093,"end_word":6144,"sentiment":"neutral","sentiment_score":0.2194802165031433},{"text":"Great, Carl. Thank you so much for your help. No problem at all, Hina. You enjoy the rest of your day. Thanks for your time this morning. You too. Thank you, Carl. Bye.","start_word":6145,"end_word":6177,"sentiment":"positive","sentiment_score":0.774237334728241},{"text":"Bye.","start_word":6178,"end_word":6178,"sentiment":"neutral","sentiment_score":0.30707257986068726}],"average":{"sentiment":"neutral","sentiment_score":0.0931908568672592}}}}