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I had you booked in just to go over, you know, the research on your super and showing you, like, the comparisons and stuff that you were looking at. Is now still a good is now still a good time to go over that? Yeah. I will try to make it quick for you. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah. Just date of birth as well, please. Yeah. Amazing. Perfect. And how's your day been so far? I've been busy. Yeah. Well, like I said, I will try not to make it too long for you. Now, Sandra, do you have access to your emails at the moment? Yeah. Okay. Perfect. So what I have done is I have just sent you an email with some documents. If you can access them, it makes it a bit easier to kind of go through their the most important points with you with numbers and stuff like that. So if you can open that for me, that would be great. So it would be the one sorry. Did you just get an email from me, like, a minute or two ago? Yep. Sorry. You will see before you click on the link, you will see a couple of those attachments. Now they're just for your reference. I'll let you have a read over them in your own time. We've kind of went through the OT servicing guide stuff last time. Yeah. So what I'll need you to do is just click on the link. Now I know it says sign now. It won't get you to sign right away, but it will allow you to open the document to view it first. So if you can click on that link for me, you should then see a cover page where it says, okay, financial statement of the device. Can you see that okay? Yeah. Perfect. So this is basically the the recommendation and everything for you. So I have done some research on your current superannuation, specifically focusing on trying to reduce the fees because I know you mentioned you felt like the the the fees were quite high. So focusing on reducing the fees and then also what we could do to, you know, make some changes on your investment to to try to improve the return. Now I have also included research for you. So I did consider your Vanguard, your HESTA, and your Virgin Super. Because last time we spoke, I know you mentioned that those are the options that you are considering, So I have included all that research so you can see completely for your facts. Now I do wanna let you know as well that the the recommendations and the SOA, it does expire on the April 13. So you do have a few days to decide. So if you wanna obviously have a rate over it over the weekend and stuff like that, that is fine, but it does expire on Monday the thirteenth. So if you could let me know on Monday what you would like to do. It's completely up to you at the end of the day, but at least you have a couple of days and the weekend to tryna, you know, take your time and have a read over everything as well. Yep. Now on the cover page, you will also see that this has been tailored to you. You will see my details underneath that. So you will see my authorized representative number, and I am licensed under OCU Financial. Now on the second page, you will see the best interest due date. Do you remember what that is at all? No. So, basically, what it is, it is a legal requirement that we have to follow, and it basically means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. So there is a lot of protection for you as clients that we have to follow, and that is to make sure that we always just focus on your needs and your goals and make that into consideration when we are making advice. Does that make sense? Yeah. Great. Now next page, table of content. Pretty self explanatory. The the following page is kind of talking about scope of advice. So, basically, what this is is the areas we are looking at today. So simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you. We're not making any changes or anything to your insurances in this stage. So simply just focusing on your superannuation. Yep. Perfect. Now if you can scroll through to for me, you will see page five and page six. Just some personal information in regards to yourself. Just have a quick read over that for me if there's anything I need to update in the back end. Otherwise, if you wanna scroll to page seven when you're ready. It is. It is. Yes. The recommendation is in this document. So it will come a little bit as I go through it. Sorry. Can you can you see page seven for me first? Can you see what that yep. Perfect. So first of all, it's it's just a little bit of just some general information for your reference, but we will get very soon to the what the recommendation is. But this just basically outlines, you currently have your Subaru in Hub 24. You also have your Clearview insurances. Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own time. But, basically, last time we spoke, you mentioned that you are you are quite comfortable in your growth portfolio. You are still wanting to focus on growing your superannuation. And in terms of that asset allocation, aiming for about 80% in the growth investment and 20 in defensive. So I have used a similar risk profile to make it a bit more kind of apple to apple comparison when I have done all the research and all the portfolios for you for making sure it's the same level of, you know, risk and stuff like that. Yep. Yep. Yep. Important for you? Yes. Perfect. It is coming very soon for you. So if you wanna scroll to page 10, you will see the actual recommendation. What I'll go, I'll go to the tables first. So what I have recommended after doing all the research is that you stay in hub twenty four and change your investment. I will go through the changes and what they look like for you as well as the comparisons so that you can see that for yourself. Okay. Which is probably why you can't see see those comparisons. Let me have a look here for you. So what did your documents finish it? What does it say that it just finishes at page 10? Okay. What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see. So my colleague will just put that through the system now so you will get a new email shortly. While he's kind of sending that to you, just so I don't keep you waiting for too long, I will just kind of go through some of the general stuff. And then when you can see the numbers, then we can kind of I'll I'll show you all those comparisons. And you just let me know as soon as you get that email, the new email. Okay? Okay. Now let me see here. So if I start with the comparison, so I did look at, obviously, your Vanguard, your Virgin Soup, and your HESTA, which as soon as you get that email, I will point you to their correct page. By basically making a switch to another superannuation, what we would have to do is obviously sell down all your investment. Now when you sell investments, so both in that super and outside superannuation, you have to pay capital gains tax. So you have to do that when when you sell investment. So because your super has grown since when you came on board, which is great, if you decide today to be like, you know what? This is not for me, and I wanna go to Vanguard or Hesta or Virgin, there will be, obviously, capital gains that would come out of your ballot. Now that amount and it fluctuates when you calculate it because it does change on a daily. But, roughly, it will be about $2,000 and 87 sorry. $2,087 is the tax that will come out of your superannuation. So just so you know, the the balance difference. So that is every time you make a change, you will have to sell investment. Now when we are making changes with your superannuation, we focus on trying to minimize that. So we obviously don't want you to pay, you know, the the tax, but we also wanna make sure we also switch you to the investment that's going to do good. So if you are just selling out of everything and moving, the tax will be about that 2,087, which is why the balance looks a bit different on the table, which you will see shortly. Basically, it will take your your balance to about 81,796. So I've used that for comparing straight Vanguard, straight Virgin, and straight Hepa super for you. Now in the comparison research, I have just to, again, give you as close comparisons as possible. I have just left your current Clearview insurances. So you can move them if if you wanted to keep them. So that's not that's a completely separate company clear view. It's not tied to your current hub twenty four. So just for for these purposes, I have just factored in your current insurances if it is that you decide to keep Does that make sense so far? Yep. Now with your Vanguard Super, I have used a three year rolling average when I compare the returns on all portfolio. Some didn't have five years, so that's why we've used three on everything to make it more like for like. Now we have just issued that new document to you, so let me know if that came through through okay. Yes? Okay. Perfect. Now, hopefully, you have everything now. If you click on the link where it says sign now, It still finishes on page nine. Okay. What I might do is just send you the document by itself on email so you can see it, and then I'll have a have a chat to the team if there's a bit of a technology issue and then get it reissued to you. But then at least way this this way, you can see the whole document now when we're going through it. Alright. Just bear with me. I will just email you that now. That is very strange that you're only getting that because I can see all all the pages here from what I sent. You have a like, hello. That is very strange. We do have access to another software. So what I might get the team to do later is, like, when I get off the phone, is to send it through a different software and see if that helps. But for now, anyway, bear with me, and I will just attach it as a PDF version so that you can actually see it. Let me see here. Okay. I'll add all the attachments as well so that you can see them. Okay. That is on its way to you now, just just normal email. So it won't get you to sign anything, but at least you can look at it while I'm trying to get the team on the IT. So that should come through to you shortly. It says it was just sent on my end. You got it? Does that have 25 pages? So when you open the email, you should see a couple of different attachments. And if you can open the last one, it should say statement of advice. There should be four attachments, and it's just the first one. Yes. Okay. Perfect. Yes. Oh, great. Perfect. So if you can scroll that's probably why you were like, what are you talking about? If you can scroll through through page let me see here. 15. No. Sorry. 17 for me. Mhmm. It can sometimes be 18 depending on the cover page, but the heading should say industry fund comparison. Yep. You can see this table. So you can see vendor, Virgin, and Hester. Yep. So this is the the the comparison. So you can see here, you know, the balance, like I mentioned. You can see the difference that they would charge in admin fees, investment fees, and other fees associated with the account. Now you can also see here that adviser fee is obviously zero because if you go there, then we you know, you wouldn't stay on other clients. You wouldn't pay any adviser fees to show you that. Like I mentioned, insurances, it's the same across everyone to kind of show you more just what your super would do. Now you can see your total cost. So out of this, you can see that Vanguard is cheaper. So that is for 453, 612 for Virgin, and has the 812. Now as your super balance change, sometimes this would obviously change because some some insurers sorry. Some superannuation funds have a percentage of the balance. So if your balance is, let's say, 250, Vanguard might not be the cheapest anymore. It just depends. But right now, from your current balance, Vanguard is the cheapest. Now you have then the three year rolling average. So showing you on average in the last three years how their growth portfolio has performed. Now you can see Vanguard is 13.59, Virgin, 15.58, and HESTA, 12.88. So you can see that from here, Vanguard has performed historically anyway, the best out of it. Now that's then been projected forward five and ten years so that you can see the difference. Now this is also kind of assuming no contributions going into superannuation and your Clearview insurances. You can't you can never guarantee the returns of what is going to happen in the market, but at least using the same time frame gives you a little bit more certainty of because they've had the same level of market fluctuations and stuff like that during this period of time. Does that make sense so far, Sandra? Yep. Perfect. That would give you this. So I use that as part of the research to make sure that, well, if Vanguard was going to be the best option for you, at least out of these three, that was the most favorable in terms of what you wanted, is that better than Hub twenty four with the changes in the portfolio? So those were kind of the two options that I was leaning towards. And you can see here lump sum in five and ten years. So if we use ten years, for example, you have or let's do five because it's it's it's closer of a 120,675. Okay? Now if you wanna scroll up to page 15 for me. Can you see that? So you can see can you see the heading where it says fee comparison? Yep. One down. The fee comparison test Yes. Yep. So this is what I have recommended. So you can see your current situation. So you're current in Hub 24. Now you can see that Hub 24 as a platform is a little bit more expensive than Vanguard, for example. So it is a little bit more costly. Now this also factors in your adviser service fee. So, obviously, the fees through to to keep us advisers on your account. So that's also factored in for you. Again, no contribution and the same insurance with ClearView. You can see your total cost in hub twenty four at the moment, so 2,338. Now you can see the same three year time frame. Your current portfolio has done 14.28 $2.00. Okay? So even though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return. But, obviously, it is a little bit more expensive. So then you have to look at, obviously, the net outcome. You then have recommended. So this is what I have recommended that you stay in hub twenty four, but change your investment. Now the balance at the top where you see the difference of 654, can you see that? That is the tax again. So it's a lot lower than obviously selling everything because by making the change in the portfolio, we wouldn't have to sell all your investments. We would just change a couple. So a couple for some that's been performing a little bit better. So the capital gains tax on what I have recommended will be about 654. Okay? Yep. Now you can see here the total cost of this recommendation. So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper. So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost. Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the changes. Now we've also just made some changes to our coupling fees as well, which these so before, it was obviously, 1.65 was your ongoing advice fee from superannuation. But because both you and your partner is a client, we have reduced that to make it cheaper for you. So that is reduced to 1.1%. So that's also why you see the adviser service fee in this table being a little bit cheaper. So it's reducing it by about 464. Does that all make sense so far? Perfect. Now, again, obviously, Hub 24 is a little bit more expensive than Vanguard, but it's mainly in regards to the sophistication of the platform, but mainly in regards to what it allows us to do with your investment. So we obviously have to factor in what if it's more expensive is can we do more with the return so that at the end of it, so after fees and everything, are you in a better position? So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%. So, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA. Mhmm. Can you see that? Yeah. Now I have used the same projection forward so you can see it more in, like, the dollar value, which is page 16. Can you see that? So one page down. So just the next page from what we were just looking, it should say projected. Yep. Perfect. So, again, same time frame, five and ten years so that you can see, obviously, after advised fees, after platform, have 24 fees and return, what you are projected to be on track to have. So when I kinda factored in the returns and the fees and everything, staying in Hub twenty four and changing the investment was putting you in a better position than switching it to Vanguard from your super retirement perspective. So, therefore, I have recommended that option for you. Now at the end of the day, it is completely up to you. But doing all this research that was, at the moment, anyway, the the best option for you. Now, obviously, staying on as a client, you would still get access through, obviously, not just your superannuation and portfolio management, all their ongoing services as well. But at least this gives you a bit of a comparison between the options that you were looking at, which hopefully will make it a bit easier for you. Yeah. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Mhmm. Yeah. So What's happening? Yeah. I so on the report where it says income, that would be income generated on your investments. So that will be, like, dividends and stuff like that. So that would be what your money what your investments have paid into your service. So that's just the the dividends paid on your investment. You also have, obviously, your investment growth. So it is a little bit different that income alone where it says on those reports doesn't tell you how your super balance have changed because that is just the income earned on your investment. So does that make sense? Correct. Correct. So that is income in the period. So do you know do you know what I will do? Let me see here. Mhmm. No worries. I know what you mean, but on the report so in if I just do it twelve months, so what I'm do okay. What I'll do is I'll send you this one right now, the one I'm looking at. Just bear with me. Let me save that because that makes more that makes sense because then I'm just doing a twelve month twelve month report from right now until this time last year so that you can see and then it makes probably more sense of what I'm talking about as well. Let me just save this and email this to you again. Okay. Okay. I have just sent that to you in an email again, which is, yeah, twelve twelve months. Sorry. Let me know when that one comes through. That came through? Oh, not yet. Okay. Let me see here. It says it's just a Perfect. Sorry. If you can open this for me. Yep. Correct. Yes. Now this shows you your current situation. So obviously, not what I have recommended, but currently. Now what you can see here is all your investments. What you can also see is where it says internal rate of return. So the second column to the right, can you see that? Yep. Now that is how each of your investments have performed over the last twelve months after fees. Now the one in bracket has been down. Everything else is positive. So if you scroll through the second page of this document, you will say total portfolio. Yeah. So this is the the one that's the most kind of when we are talking. So you can see here the market value at the start of the period. In the start of the twelve months, your super balance was at $6,067,740 and 14¢. At the end of the twelve months, the after fees and everything, your super was at 81,918. You can see here that it did go up quite a bit, more than that thousand dollars. You can see your income in the period, so that was income paid into your superannuation from your investment was 1,924. And you can also see growth in the period, so just the investment growth was 10 thousand 604. Total earnings was 12,531. The internal rate of return, again, second column to the right, is everything net of fee. So this is how your portfolio did in the last twelve months after all fees came out of your account. And it was still, obviously, with the last twelve months that we have seen a lot of fluctuations in everything going on in The US and then, obviously, the war and everything. So we have seen a lot of market fluctuations the last twelve months. Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%. Not not from that amount. The total withdrawals that came out of your account for the last twelve months, so insurances, adviser fees when you came on board and everything was 3,862 in 17. So that is the withdrawal from the account, but that can also be a tax and other things. That is everything that was deducted from your account. So that is separate. So that's not the growth that's separate to it. That's not part. That's just what you made there and then the the withdrawals. So which is why when you add the deposits to the account and the withdrawals and the growth, that's when you have the value difference of 67,740 versus 81,918. So it's not really out of that amount because that's separate. So how your superannuation grew, that was the total amount. And then on top of that, obviously, your super grew by the 12,500 and but if you want me to just quickly do the difference, I can calculate that for you. That $1.49 $3.08 $6.02 17. It's a positive 8,669 and 32¢. Yep. It won't be annually that fee for you because we have changed things. So for the first year, it tends to be more expensive because you obviously have ongoing advice fee and up front and everything like that. So the first year tends to be a little bit more of everything. But from your what you are paying and what you are getting in your investments, it's definitely competitive. Now even with our adviser fee, it's quite competitive in the market, what's out there. You might have some that's charging a lot more, and you may have some that's charging a little bit less. But with the coupling fees that we have reduced it to at the moment, at 1.1 ongoing, it is very competitive of the market. Now if I looked at the fees, because I'm not tied like, we we are a holistic firm, so we're not tied to one hub twenty four or any style of investment. We can choose a lot of different options. We have hundreds and hundreds of different options that we can choose from, whichever is going to be the best for you. So if I factored in the fees and I did the research and the fees showed that is too much for what you are getting at the end of it from a return on your investment, I would recommend that we change it through something cheaper like Vanguard. But if by changing it to Vanguard, you're not gonna get the same growth on your investment. So when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you have in your superannuation? After fee, it showed that hub twenty four, even though it's a little bit more expensive than, let's say, Vanguard, it was still gonna, at the end of it, put you in a better position and ensure that you have more money even though it's a little bit more expensive. But on a platform point of view, it is still fairly competitive. Now I use Hub twenty four personally for my superannuation as well. And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself. Correct. Yes. That is my recommendation. And that's not to say that that's always going to be the choice because the good thing would have what we want to do, obviously, with your annual reviews is we always wanna reassess. So right now, that is, in my recommendation, what's going to put you in the best decision and what I suggest. But that's not to say that's always going to be the choice. If in, let's say, two years or next annual review, I go and do research again and it shows, well, well, right now, maybe, let's say, Vanguard have changed their product or have changed their fees or Hub24 have increased their fees or whatever it might be, we can always then move you to wherever you need what's going to be the best for you. So the good thing with the, you know, the holistic and ongoing support is that at any point in time, if it's going to be better for you, we can change it. So at a minimum, under review is where it's a really good touch point of where we can reassess things for you because we can go and do but we can do that at any point. So if you call me in three months or six months and you go, you know what? I'm still not sure. Can I do some more research on these things? We can do this all part of the service. We can do that. We can change it whenever you want to. And like I said, what is there that could be in, let's say, three years, that could be a new superannuation fund that maybe opens up that's even cheaper, that has so many investment choices. If that's better for you, then I will do the research. And if it's cheaper and have good returns, then we can recommend that for you. So it's not to say that it's going to be this. You know? Because as your super balance grow, they you know, fees and stuff like that, it's important to always reassess it. Because, also, your situation and your life will change. You know? You might decide to, you know, go back to work, or that might change some contributions, or you might decide, you know what? I, you know, don't wanna make any contributions to super for a while. That's okay. Or you, you know, move somewhere. Like, it's always evolving around your life situation as well and what happens to you. Yeah. I'd yeah. Mhmm. Yeah. That's a very good question. Sorry. If you can go back into the e the document that had all the tables and everything, the other one, if you can go back into that one for me. Now the investments is on yeah. Oh, great. Perfect. Perfect. Yes. Page 13. Now what I have done as well is in the appendix, which is in my email as well, which I'll let you have a read over in your own time, it's a sec that's where research goes. So what I have done is so that you can go, if you would like, to do your own research on the investment, I have included links. So investment links. So what we have recommended, there is attachments to each and every single one of them so that you can also go and have a read over it, and it's full transparency of what they are. But, essentially, from a little summary point of view, if you're on page 13, you can see investment name. That's what they are called. Now you can see your current rate allocation, so how much is in each option, then what the balance is equating to that. The buy and sell column. So red is what we are selling. Black is what we are buying. The target weight, you can then see what we are aiming for in terms of a percentage of this superannuation. Now the one thing I do wanna say as well when it comes to the investment is that we have targeted that portfolio using kind of low cost ETF. So, Sandra, are you familiar with the different type of investments, like direct shares and ETFs or managed funds, or do you want me to quickly kind of explain the difference? Yeah. Sure. So to keep it very simple, let's say so a direct share is where you invest directly into one company. So all the money goes into one specific company. So let's say BHP, for example. So if you have a direct shares, you put all the money into just one company, BHP, everything is in one option. We don't have any of direct shares in your portfolio because they can be really good, but they can obviously be a bit risky depending on what because everything goes in, so we haven't done that. Now your other option is exchange traded funds, so we call them ETF for sure. Now what this is, which is what what your new portfolio is, so all of the investments that I have recommended are what we would call your ETFs, and they are low cost options. Now, for example, how they work is instead of having everything into one company, but let's say you want specific sectors or industries, this is where these come in handy. So for example, can you see the IVV iShares SMP 500? Can you see that one? Yep. So this is this is a good example because in that one investment so you can see even though there's 30% into this one investment, this investment alone invests in 500 companies. So what you are invested in here is the 500 biggest companies listed in The US. So you will have companies like Apple and Microsoft and Amazon, which you would kind of, you know, use and see every day. So the reason why this is the biggest holding is because it's very diversified because you obviously have 500 companies. So if one thing happened to one company, it wouldn't have as much of a difference than because it's very spread out for you. So and it's The US market is doing really well. It can fluctuate a little bit, but but it's done really well historically. So that's why it's 30% in this month. So, obviously, not a bit more it's still a growth investment because you are for you're putting it in equity, but very diversified for you. Now you then also have, for example, 8% versus iShares Europe. Can you see that? Yep. So this one here, again, invests in a range of different large companies in Europe. So we don't wanna put everything into one market. We don't want everything in The US or everything in Australia. We wanna kind of diversify. So if anything happens to one market, not the whole portfolio will be affected. So this one kind of invest in your your large and midsize European companies. So the majority of the companies are kind of in The UK, Germany, France, Switzerland. And some of the companies, like, the biggest ones you'll have is, like, Nestle and Novo Nordisk or AstraZeneca and Shell. So very diversified, but only about 8% in this one. You then have five percent in Japan. You can see that? Yep. And, again, it's not just into one investment. There's a range of lot of different investments into this option here for you to, again, give you the diversification, but it also means that it's a little bit cheaper. Because how they typically work is that they just track and index. So with the iShares S and P 500, you are just tracking the 500 largest company. So as a new company comes in and gets really big and grows, it'll get added to the list. And as another one gets smaller, it falls out. So you don't need as much of that active management, which is where the higher fees comes in because it's a bit more targeted to reducing those fees for you while still giving you the diversification. You then have, yeah, you then have 8% of the second one at the bottom versus Vanguard all well. So this is a Vanguard investment that we have included. So in hub twenty four, you can have Vanguard investments as well. But this one here, investing companies all around the world, but it excludes The US because you already have exposure to The US in the other investment. So we don't wanna have too heavy in one section. Okay? Yeah? And this one invest in, you know, in Asia and emerging markets, basically, all all kind of around the globe. But then we also wanna make sure you have a bit of exposure to Australia. So that is the bottom one at 20%, which is the beta shares Australia 200. Now I have included this one and swapped out that Benelong Australian equities. That was the one investment that was down for you. Now Benelon, how that one is slightly different to all your other investment is that they are what we would call a managed fund. So they are a little bit more expensive because they are trying to outperform the market. So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market. And they were doing really, really, really well. But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through. And because of that as well, they've been a little bit slow in making their investment choices. We have decided that, you know, at least now it's not as good to invest in because there's a little bit higher in fees. And if they are not outperforming the market and it's down, there might be better options. So we are completely selling out of this one and then instead doing the beta shares Australia 200. And that one is pretty straightforward that, again, it invests in diversification, so 200 companies, but in Australia. So the 200 largest in Australia. So you will have companies like Commonwealth and DHT and Woolworths. So, again, big companies to give you that diversification. There's there's nothing what? Sorry? No. Exactly. And then, also, we have some defensive investments because, obviously, we don't want everything in equity and stuff like that. We have 5% in, you know, your cybersecurity section. Obviously, AI technology not going anywhere anytime soon. So there's a lot of opportunities in this space. This one can fluctuate a little bit more, so that's by only 5%. Because it has good growth opportunities, but we also don't want too much in it if it fluctuates a little bit. You still have 10% in gold, so kind of your defensive. You're trying to smooth out fluctuations because we don't want everything in equity. You have 10% in gold still, and then you have 6% in your fixed interest. Interest. So, again, trying to have some defensive investments to smooth out. The cash isn't in investments here. We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger. Now, obviously, the the older you get and the closer you get to retirement, you wanna have more of defensive investment. But the minimum the minimum cash in hub twenty four is just 1.25% of the account balance, which you can kind of see under the table listed there. Yeah. And that's just to kind of keep so, you know, like, you know, fees and insurances and stuff like that so that there's enough cash for that. But we obviously don't wanna have too much in cash because it's not gonna grow as much as you invest. That's a good question. Mhmm. Just yes. Yes. Yeah. Mhmm. Yep. Correct. So what I have what my colleague have done for you is you should have received another email. Again, you can do it on your own time or over the weekend with the document. So, hopefully, that works. So let me know if it didn't. And that's if you if you are happy with the advice and you wanted to go ahead, you can just sign that one, which should be the newest email, and that should have everything in it. When when you sign, it will come back to me, and I can see it, and I can let the team know that we go ahead with the change. Take your time to read it. Like I said as well, it is not a lock in contract. So if at any point in time you change your mind, you're not locked in. Adviser fees is only deducted on a monthly basis even though all the fees and everything is calculated annually for you to show you the figure. It only comes out on a monthly basis. So even if you go, okay. Well, let's just give it a go and see how things go, and then you call me in three months or six months or ten months and you've changed your mind, there is no lock in contract or excess fees or anything like that if you do change your mind at the end. Yeah. Does that make sense? Yeah. No. That is okay. I know it's a lot to go through. So thank you for your patience as well and everything. Everything is there for you. Have a read over it. Take your time. And, yeah, let me know how you Uh-huh. Of course. Yeah. Of course. That's that's what I'm here for. Yep. Yep. Perfect. Yep. Perfect. Perfect. Thank you so much, Sandra. I will let you go. Thanks for your time, and I look forward to hearing from you soon. Thank you. You too, Sandra. 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afternoon, Sandra. It's Veronica from Financial. How are you? Good. Thanks.\n\nHow are you? I had you booked in just to go over, you know, the research on your super and showing you, like, the comparisons and stuff that you were looking at. Is now still a good is now still a good time to go over that? Yeah. I will try to make it quick for you.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah. Just date of birth as well, please.\n\nYeah. Amazing. Perfect. And how's your day been so far? I've been busy.\n\nYeah. Well, like I said, I will try not to make it too long for you. Now, Sandra, do you have access to your emails at the moment? Yeah. Okay.\n\nPerfect. So what I have done is I have just sent you an email with some documents. If you can access them, it makes it a bit easier to kind of go through their the most important points with you with numbers and stuff like that. So if you can open that for me, that would be great. So it would be the one sorry.\n\nDid you just get an email from me, like, a minute or two ago? Yep. Sorry. You will see before you click on the link, you will see a couple of those attachments. Now they're just for your reference.\n\nI'll let you have a read over them in your own time. We've kind of went through the OT servicing guide stuff last time. Yeah. So what I'll need you to do is just click on the link. Now I know it says sign now.\n\nIt won't get you to sign right away, but it will allow you to open the document to view it first. So if you can click on that link for me, you should then see a cover page where it says, okay, financial statement of the device. Can you see that okay? Yeah. Perfect.\n\nSo this is basically the the recommendation and everything for you. So I have done some research on your current superannuation, specifically focusing on trying to reduce the fees because I know you mentioned you felt like the the the fees were quite high. So focusing on reducing the fees and then also what we could do to, you know, make some changes on your investment to to try to improve the return. Now I have also included research for you. So I did consider your Vanguard, your HESTA, and your Virgin Super.\n\nBecause last time we spoke, I know you mentioned that those are the options that you are considering, So I have included all that research so you can see completely for your facts. Now I do wanna let you know as well that the the recommendations and the SOA, it does expire on the April 13. So you do have a few days to decide. So if you wanna obviously have a rate over it over the weekend and stuff like that, that is fine, but it does expire on Monday the thirteenth. So if you could let me know on Monday what you would like to do.\n\nIt's completely up to you at the end of the day, but at least you have a couple of days and the weekend to tryna, you know, take your time and have a read over everything as well. Yep. Now on the cover page, you will also see that this has been tailored to you. You will see my details underneath that. So you will see my authorized representative number, and I am licensed under OCU Financial.\n\nNow on the second page, you will see the best interest due date. Do you remember what that is at all? No. So, basically, what it is, it is a legal requirement that we have to follow, and it basically means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation.\n\nSo there is a lot of protection for you as clients that we have to follow, and that is to make sure that we always just focus on your needs and your goals and make that into consideration when we are making advice. Does that make sense? Yeah. Great. Now next page, table of content.\n\nPretty self explanatory. The the following page is kind of talking about scope of advice. So, basically, what this is is the areas we are looking at today. So simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you. We're not making any changes or anything to your insurances in this stage.\n\nSo simply just focusing on your superannuation. Yep. Perfect. Now if you can scroll through to for me, you will see page five and page six. Just some personal information in regards to yourself.\n\nJust have a quick read over that for me if there's anything I need to update in the back end. Otherwise, if you wanna scroll to page seven when you're ready. It is. It is. Yes.\n\nThe recommendation is in this document. So it will come a little bit as I go through it. Sorry. Can you can you see page seven for me first? Can you see what that yep.\n\nPerfect. So first of all, it's it's just a little bit of just some general information for your reference, but we will get very soon to the what the recommendation is. But this just basically outlines, you currently have your Subaru in Hub 24. You also have your Clearview insurances. Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own time.\n\nBut, basically, last time we spoke, you mentioned that you are you are quite comfortable in your growth portfolio. You are still wanting to focus on growing your superannuation. And in terms of that asset allocation, aiming for about 80% in the growth investment and 20 in defensive. So I have used a similar risk profile to make it a bit more kind of apple to apple comparison when I have done all the research and all the portfolios for you for making sure it's the same level of, you know, risk and stuff like that. Yep.\n\nYep. Yep. Important for you? Yes. Perfect.\n\nIt is coming very soon for you. So if you wanna scroll to page 10, you will see the actual recommendation. What I'll go, I'll go to the tables first. So what I have recommended after doing all the research is that you stay in hub twenty four and change your investment. I will go through the changes and what they look like for you as well as the comparisons so that you can see that for yourself.\n\nOkay. Which is probably why you can't see see those comparisons. Let me have a look here for you. So what did your documents finish it? What does it say that it just finishes at page 10?\n\nOkay. What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see. So my colleague will just put that through the system now so you will get a new email shortly. While he's kind of sending that to you, just so I don't keep you waiting for too long, I will just kind of go through some of the general stuff. And then when you can see the numbers, then we can kind of I'll I'll show you all those comparisons.\n\nAnd you just let me know as soon as you get that email, the new email. Okay? Okay. Now let me see here. So if I start with the comparison, so I did look at, obviously, your Vanguard, your Virgin Soup, and your HESTA, which as soon as you get that email, I will point you to their correct page.\n\nBy basically making a switch to another superannuation, what we would have to do is obviously sell down all your investment. Now when you sell investments, so both in that super and outside superannuation, you have to pay capital gains tax. So you have to do that when when you sell investment. So because your super has grown since when you came on board, which is great, if you decide today to be like, you know what? This is not for me, and I wanna go to Vanguard or Hesta or Virgin, there will be, obviously, capital gains that would come out of your ballot.\n\nNow that amount and it fluctuates when you calculate it because it does change on a daily. But, roughly, it will be about $2,000 and 87 sorry. $2,087 is the tax that will come out of your superannuation. So just so you know, the the balance difference. So that is every time you make a change, you will have to sell investment.\n\nNow when we are making changes with your superannuation, we focus on trying to minimize that. So we obviously don't want you to pay, you know, the the tax, but we also wanna make sure we also switch you to the investment that's going to do good. So if you are just selling out of everything and moving, the tax will be about that 2,087, which is why the balance looks a bit different on the table, which you will see shortly. Basically, it will take your your balance to about 81,796. So I've used that for comparing straight Vanguard, straight Virgin, and straight Hepa super for you.\n\nNow in the comparison research, I have just to, again, give you as close comparisons as possible. I have just left your current Clearview insurances. So you can move them if if you wanted to keep them. So that's not that's a completely separate company clear view. It's not tied to your current hub twenty four.\n\nSo just for for these purposes, I have just factored in your current insurances if it is that you decide to keep Does that make sense so far? Yep. Now with your Vanguard Super, I have used a three year rolling average when I compare the returns on all portfolio. Some didn't have five years, so that's why we've used three on everything to make it more like for like. Now we have just issued that new document to you, so let me know if that came through through okay.\n\nYes? Okay. Perfect. Now, hopefully, you have everything now. If you click on the link where it says sign now, It still finishes on page nine.\n\nOkay. What I might do is just send you the document by itself on email so you can see it, and then I'll have a have a chat to the team if there's a bit of a technology issue and then get it reissued to you. But then at least way this this way, you can see the whole document now when we're going through it. Alright. Just bear with me.\n\nI will just email you that now. That is very strange that you're only getting that because I can see all all the pages here from what I sent. You have a like, hello. That is very strange. We do have access to another software.\n\nSo what I might get the team to do later is, like, when I get off the phone, is to send it through a different software and see if that helps. But for now, anyway, bear with me, and I will just attach it as a PDF version so that you can actually see it. Let me see here. Okay. I'll add all the attachments as well so that you can see them.\n\nOkay. That is on its way to you now, just just normal email. So it won't get you to sign anything, but at least you can look at it while I'm trying to get the team on the IT. So that should come through to you shortly. It says it was just sent on my end.\n\nYou got it? Does that have 25 pages? So when you open the email, you should see a couple of different attachments. And if you can open the last one, it should say statement of advice. There should be four attachments, and it's just the first one.\n\nYes. Okay. Perfect. Yes. Oh, great.\n\nPerfect. So if you can scroll that's probably why you were like, what are you talking about? If you can scroll through through page let me see here. 15. No.\n\nSorry. 17 for me. Mhmm. It can sometimes be 18 depending on the cover page, but the heading should say industry fund comparison. Yep.\n\nYou can see this table. So you can see vendor, Virgin, and Hester. Yep. So this is the the the comparison. So you can see here, you know, the balance, like I mentioned.\n\nYou can see the difference that they would charge in admin fees, investment fees, and other fees associated with the account. Now you can also see here that adviser fee is obviously zero because if you go there, then we you know, you wouldn't stay on other clients. You wouldn't pay any adviser fees to show you that. Like I mentioned, insurances, it's the same across everyone to kind of show you more just what your super would do. Now you can see your total cost.\n\nSo out of this, you can see that Vanguard is cheaper. So that is for 453, 612 for Virgin, and has the 812. Now as your super balance change, sometimes this would obviously change because some some insurers sorry. Some superannuation funds have a percentage of the balance. So if your balance is, let's say, 250, Vanguard might not be the cheapest anymore.\n\nIt just depends. But right now, from your current balance, Vanguard is the cheapest. Now you have then the three year rolling average. So showing you on average in the last three years how their growth portfolio has performed. Now you can see Vanguard is 13.59, Virgin, 15.58, and HESTA, 12.88.\n\nSo you can see that from here, Vanguard has performed historically anyway, the best out of it. Now that's then been projected forward five and ten years so that you can see the difference. Now this is also kind of assuming no contributions going into superannuation and your Clearview insurances. You can't you can never guarantee the returns of what is going to happen in the market, but at least using the same time frame gives you a little bit more certainty of because they've had the same level of market fluctuations and stuff like that during this period of time. Does that make sense so far, Sandra?\n\nYep. Perfect. That would give you this. So I use that as part of the research to make sure that, well, if Vanguard was going to be the best option for you, at least out of these three, that was the most favorable in terms of what you wanted, is that better than Hub twenty four with the changes in the portfolio? So those were kind of the two options that I was leaning towards.\n\nAnd you can see here lump sum in five and ten years. So if we use ten years, for example, you have or let's do five because it's it's it's closer of a 120,675. Okay? Now if you wanna scroll up to page 15 for me. Can you see that?\n\nSo you can see can you see the heading where it says fee comparison? Yep. One down. The fee comparison test Yes. Yep.\n\nSo this is what I have recommended. So you can see your current situation. So you're current in Hub 24. Now you can see that Hub 24 as a platform is a little bit more expensive than Vanguard, for example. So it is a little bit more costly.\n\nNow this also factors in your adviser service fee. So, obviously, the fees through to to keep us advisers on your account. So that's also factored in for you. Again, no contribution and the same insurance with ClearView. You can see your total cost in hub twenty four at the moment, so 2,338.\n\nNow you can see the same three year time frame. Your current portfolio has done 14.28 $2.00. Okay? So even though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return. But, obviously, it is a little bit more expensive.\n\nSo then you have to look at, obviously, the net outcome. You then have recommended. So this is what I have recommended that you stay in hub twenty four, but change your investment. Now the balance at the top where you see the difference of 654, can you see that? That is the tax again.\n\nSo it's a lot lower than obviously selling everything because by making the change in the portfolio, we wouldn't have to sell all your investments. We would just change a couple. So a couple for some that's been performing a little bit better. So the capital gains tax on what I have recommended will be about 654. Okay?\n\nYep. Now you can see here the total cost of this recommendation. So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper. So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost. Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the changes.\n\nNow we've also just made some changes to our coupling fees as well, which these so before, it was obviously, 1.65 was your ongoing advice fee from superannuation. But because both you and your partner is a client, we have reduced that to make it cheaper for you. So that is reduced to 1.1%. So that's also why you see the adviser service fee in this table being a little bit cheaper. So it's reducing it by about 464.\n\nDoes that all make sense so far? Perfect. Now, again, obviously, Hub 24 is a little bit more expensive than Vanguard, but it's mainly in regards to the sophistication of the platform, but mainly in regards to what it allows us to do with your investment. So we obviously have to factor in what if it's more expensive is can we do more with the return so that at the end of it, so after fees and everything, are you in a better position? So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%.\n\nSo, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA. Mhmm. Can you see that? Yeah. Now I have used the same projection forward so you can see it more in, like, the dollar value, which is page 16.\n\nCan you see that? So one page down. So just the next page from what we were just looking, it should say projected. Yep. Perfect.\n\nSo, again, same time frame, five and ten years so that you can see, obviously, after advised fees, after platform, have 24 fees and return, what you are projected to be on track to have. So when I kinda factored in the returns and the fees and everything, staying in Hub twenty four and changing the investment was putting you in a better position than switching it to Vanguard from your super retirement perspective. So, therefore, I have recommended that option for you. Now at the end of the day, it is completely up to you. But doing all this research that was, at the moment, anyway, the the best option for you.\n\nNow, obviously, staying on as a client, you would still get access through, obviously, not just your superannuation and portfolio management, all their ongoing services as well. But at least this gives you a bit of a comparison between the options that you were looking at, which hopefully will make it a bit easier for you. Yeah. Yeah. Mhmm.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nMhmm. Yeah. So What's happening? Yeah. I so on the report where it says income, that would be income generated on your investments.\n\nSo that will be, like, dividends and stuff like that. So that would be what your money what your investments have paid into your service. So that's just the the dividends paid on your investment. You also have, obviously, your investment growth. So it is a little bit different that income alone where it says on those reports doesn't tell you how your super balance have changed because that is just the income earned on your investment.\n\nSo does that make sense? Correct. Correct. So that is income in the period. So do you know do you know what I will do?\n\nLet me see here. Mhmm. No worries. I know what you mean, but on the report so in if I just do it twelve months, so what I'm do okay. What I'll do is I'll send you this one right now, the one I'm looking at.\n\nJust bear with me. Let me save that because that makes more that makes sense because then I'm just doing a twelve month twelve month report from right now until this time last year so that you can see and then it makes probably more sense of what I'm talking about as well. Let me just save this and email this to you again. Okay. Okay.\n\nI have just sent that to you in an email again, which is, yeah, twelve twelve months. Sorry. Let me know when that one comes through. That came through? Oh, not yet.\n\nOkay. Let me see here. It says it's just a Perfect. Sorry. If you can open this for me.\n\nYep. Correct. Yes. Now this shows you your current situation. So obviously, not what I have recommended, but currently.\n\nNow what you can see here is all your investments. What you can also see is where it says internal rate of return. So the second column to the right, can you see that? Yep. Now that is how each of your investments have performed over the last twelve months after fees.\n\nNow the one in bracket has been down. Everything else is positive. So if you scroll through the second page of this document, you will say total portfolio. Yeah. So this is the the one that's the most kind of when we are talking.\n\nSo you can see here the market value at the start of the period. In the start of the twelve months, your super balance was at $6,067,740 and 14¢. At the end of the twelve months, the after fees and everything, your super was at 81,918. You can see here that it did go up quite a bit, more than that thousand dollars. You can see your income in the period, so that was income paid into your superannuation from your investment was 1,924.\n\nAnd you can also see growth in the period, so just the investment growth was 10 thousand 604. Total earnings was 12,531. The internal rate of return, again, second column to the right, is everything net of fee. So this is how your portfolio did in the last twelve months after all fees came out of your account. And it was still, obviously, with the last twelve months that we have seen a lot of fluctuations in everything going on in The US and then, obviously, the war and everything.\n\nSo we have seen a lot of market fluctuations the last twelve months. Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%. Not not from that amount. The total withdrawals that came out of your account for the last twelve months, so insurances, adviser fees when you came on board and everything was 3,862 in 17. So that is the withdrawal from the account, but that can also be a tax and other things.\n\nThat is everything that was deducted from your account. So that is separate. So that's not the growth that's separate to it. That's not part. That's just what you made there and then the the withdrawals.\n\nSo which is why when you add the deposits to the account and the withdrawals and the growth, that's when you have the value difference of 67,740 versus 81,918. So it's not really out of that amount because that's separate. So how your superannuation grew, that was the total amount. And then on top of that, obviously, your super grew by the 12,500 and but if you want me to just quickly do the difference, I can calculate that for you. That $1.49 $3.08 $6.02 17.\n\nIt's a positive 8,669 and 32¢. Yep. It won't be annually that fee for you because we have changed things. So for the first year, it tends to be more expensive because you obviously have ongoing advice fee and up front and everything like that. So the first year tends to be a little bit more of everything.\n\nBut from your what you are paying and what you are getting in your investments, it's definitely competitive. Now even with our adviser fee, it's quite competitive in the market, what's out there. You might have some that's charging a lot more, and you may have some that's charging a little bit less. But with the coupling fees that we have reduced it to at the moment, at 1.1 ongoing, it is very competitive of the market. Now if I looked at the fees, because I'm not tied like, we we are a holistic firm, so we're not tied to one hub twenty four or any style of investment.\n\nWe can choose a lot of different options. We have hundreds and hundreds of different options that we can choose from, whichever is going to be the best for you. So if I factored in the fees and I did the research and the fees showed that is too much for what you are getting at the end of it from a return on your investment, I would recommend that we change it through something cheaper like Vanguard. But if by changing it to Vanguard, you're not gonna get the same growth on your investment. So when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you have in your superannuation?\n\nAfter fee, it showed that hub twenty four, even though it's a little bit more expensive than, let's say, Vanguard, it was still gonna, at the end of it, put you in a better position and ensure that you have more money even though it's a little bit more expensive. But on a platform point of view, it is still fairly competitive. Now I use Hub twenty four personally for my superannuation as well. And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself. Correct.\n\nYes. That is my recommendation. And that's not to say that that's always going to be the choice because the good thing would have what we want to do, obviously, with your annual reviews is we always wanna reassess. So right now, that is, in my recommendation, what's going to put you in the best decision and what I suggest. But that's not to say that's always going to be the choice.\n\nIf in, let's say, two years or next annual review, I go and do research again and it shows, well, well, right now, maybe, let's say, Vanguard have changed their product or have changed their fees or Hub24 have increased their fees or whatever it might be, we can always then move you to wherever you need what's going to be the best for you. So the good thing with the, you know, the holistic and ongoing support is that at any point in time, if it's going to be better for you, we can change it. So at a minimum, under review is where it's a really good touch point of where we can reassess things for you because we can go and do but we can do that at any point. So if you call me in three months or six months and you go, you know what? I'm still not sure.\n\nCan I do some more research on these things? We can do this all part of the service. We can do that. We can change it whenever you want to. And like I said, what is there that could be in, let's say, three years, that could be a new superannuation fund that maybe opens up that's even cheaper, that has so many investment choices.\n\nIf that's better for you, then I will do the research. And if it's cheaper and have good returns, then we can recommend that for you. So it's not to say that it's going to be this. You know? Because as your super balance grow, they you know, fees and stuff like that, it's important to always reassess it.\n\nBecause, also, your situation and your life will change. You know? You might decide to, you know, go back to work, or that might change some contributions, or you might decide, you know what? I, you know, don't wanna make any contributions to super for a while. That's okay.\n\nOr you, you know, move somewhere. Like, it's always evolving around your life situation as well and what happens to you. Yeah. I'd yeah. Mhmm.\n\nYeah. That's a very good question. Sorry. If you can go back into the e the document that had all the tables and everything, the other one, if you can go back into that one for me. Now the investments is on yeah.\n\nOh, great. Perfect. Perfect. Yes. Page 13.\n\nNow what I have done as well is in the appendix, which is in my email as well, which I'll let you have a read over in your own time, it's a sec that's where research goes. So what I have done is so that you can go, if you would like, to do your own research on the investment, I have included links. So investment links. So what we have recommended, there is attachments to each and every single one of them so that you can also go and have a read over it, and it's full transparency of what they are. But, essentially, from a little summary point of view, if you're on page 13, you can see investment name.\n\nThat's what they are called. Now you can see your current rate allocation, so how much is in each option, then what the balance is equating to that. The buy and sell column. So red is what we are selling. Black is what we are buying.\n\nThe target weight, you can then see what we are aiming for in terms of a percentage of this superannuation. Now the one thing I do wanna say as well when it comes to the investment is that we have targeted that portfolio using kind of low cost ETF. So, Sandra, are you familiar with the different type of investments, like direct shares and ETFs or managed funds, or do you want me to quickly kind of explain the difference? Yeah. Sure.\n\nSo to keep it very simple, let's say so a direct share is where you invest directly into one company. So all the money goes into one specific company. So let's say BHP, for example. So if you have a direct shares, you put all the money into just one company, BHP, everything is in one option. We don't have any of direct shares in your portfolio because they can be really good, but they can obviously be a bit risky depending on what because everything goes in, so we haven't done that.\n\nNow your other option is exchange traded funds, so we call them ETF for sure. Now what this is, which is what what your new portfolio is, so all of the investments that I have recommended are what we would call your ETFs, and they are low cost options. Now, for example, how they work is instead of having everything into one company, but let's say you want specific sectors or industries, this is where these come in handy. So for example, can you see the IVV iShares SMP 500? Can you see that one?\n\nYep. So this is this is a good example because in that one investment so you can see even though there's 30% into this one investment, this investment alone invests in 500 companies. So what you are invested in here is the 500 biggest companies listed in The US. So you will have companies like Apple and Microsoft and Amazon, which you would kind of, you know, use and see every day. So the reason why this is the biggest holding is because it's very diversified because you obviously have 500 companies.\n\nSo if one thing happened to one company, it wouldn't have as much of a difference than because it's very spread out for you. So and it's The US market is doing really well. It can fluctuate a little bit, but but it's done really well historically. So that's why it's 30% in this month. So, obviously, not a bit more it's still a growth investment because you are for you're putting it in equity, but very diversified for you.\n\nNow you then also have, for example, 8% versus iShares Europe. Can you see that? Yep. So this one here, again, invests in a range of different large companies in Europe. So we don't wanna put everything into one market.\n\nWe don't want everything in The US or everything in Australia. We wanna kind of diversify. So if anything happens to one market, not the whole portfolio will be affected. So this one kind of invest in your your large and midsize European companies. So the majority of the companies are kind of in The UK, Germany, France, Switzerland.\n\nAnd some of the companies, like, the biggest ones you'll have is, like, Nestle and Novo Nordisk or AstraZeneca and Shell. So very diversified, but only about 8% in this one. You then have five percent in Japan. You can see that? Yep.\n\nAnd, again, it's not just into one investment. There's a range of lot of different investments into this option here for you to, again, give you the diversification, but it also means that it's a little bit cheaper. Because how they typically work is that they just track and index. So with the iShares S and P 500, you are just tracking the 500 largest company. So as a new company comes in and gets really big and grows, it'll get added to the list.\n\nAnd as another one gets smaller, it falls out. So you don't need as much of that active management, which is where the higher fees comes in because it's a bit more targeted to reducing those fees for you while still giving you the diversification. You then have, yeah, you then have 8% of the second one at the bottom versus Vanguard all well. So this is a Vanguard investment that we have included. So in hub twenty four, you can have Vanguard investments as well.\n\nBut this one here, investing companies all around the world, but it excludes The US because you already have exposure to The US in the other investment. So we don't wanna have too heavy in one section. Okay? Yeah? And this one invest in, you know, in Asia and emerging markets, basically, all all kind of around the globe.\n\nBut then we also wanna make sure you have a bit of exposure to Australia. So that is the bottom one at 20%, which is the beta shares Australia 200. Now I have included this one and swapped out that Benelong Australian equities. That was the one investment that was down for you. Now Benelon, how that one is slightly different to all your other investment is that they are what we would call a managed fund.\n\nSo they are a little bit more expensive because they are trying to outperform the market. So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market. And they were doing really, really, really well. But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through. And because of that as well, they've been a little bit slow in making their investment choices.\n\nWe have decided that, you know, at least now it's not as good to invest in because there's a little bit higher in fees. And if they are not outperforming the market and it's down, there might be better options. So we are completely selling out of this one and then instead doing the beta shares Australia 200. And that one is pretty straightforward that, again, it invests in diversification, so 200 companies, but in Australia. So the 200 largest in Australia.\n\nSo you will have companies like Commonwealth and DHT and Woolworths. So, again, big companies to give you that diversification. There's there's nothing what? Sorry? No.\n\nExactly. And then, also, we have some defensive investments because, obviously, we don't want everything in equity and stuff like that. We have 5% in, you know, your cybersecurity section. Obviously, AI technology not going anywhere anytime soon. So there's a lot of opportunities in this space.\n\nThis one can fluctuate a little bit more, so that's by only 5%. Because it has good growth opportunities, but we also don't want too much in it if it fluctuates a little bit. You still have 10% in gold, so kind of your defensive. You're trying to smooth out fluctuations because we don't want everything in equity. You have 10% in gold still, and then you have 6% in your fixed interest.\n\nInterest. So, again, trying to have some defensive investments to smooth out. The cash isn't in investments here. We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger. Now, obviously, the the older you get and the closer you get to retirement, you wanna have more of defensive investment.\n\nBut the minimum the minimum cash in hub twenty four is just 1.25% of the account balance, which you can kind of see under the table listed there. Yeah. And that's just to kind of keep so, you know, like, you know, fees and insurances and stuff like that so that there's enough cash for that. But we obviously don't wanna have too much in cash because it's not gonna grow as much as you invest. That's a good question.\n\nMhmm. Just yes. Yes. Yeah. Mhmm.\n\nYep. Correct. So what I have what my colleague have done for you is you should have received another email. Again, you can do it on your own time or over the weekend with the document. So, hopefully, that works.\n\nSo let me know if it didn't. And that's if you if you are happy with the advice and you wanted to go ahead, you can just sign that one, which should be the newest email, and that should have everything in it. When when you sign, it will come back to me, and I can see it, and I can let the team know that we go ahead with the change. Take your time to read it. Like I said as well, it is not a lock in contract.\n\nSo if at any point in time you change your mind, you're not locked in. Adviser fees is only deducted on a monthly basis even though all the fees and everything is calculated annually for you to show you the figure. It only comes out on a monthly basis. So even if you go, okay. Well, let's just give it a go and see how things go, and then you call me in three months or six months or ten months and you've changed your mind, there is no lock in contract or excess fees or anything like that if you do change your mind at the end.\n\nYeah. Does that make sense? Yeah. No. That is okay.\n\nI know it's a lot to go through. So thank you for your patience as well and everything. Everything is there for you. Have a read over it. Take your time.\n\nAnd, yeah, let me know how you Uh-huh. Of course. Yeah. Of course. That's that's what I'm here for.\n\nYep. Yep. Perfect. Yep. Perfect.\n\nPerfect. Thank you so much, Sandra. I will let you go. Thanks for your time, and I look forward to hearing from you soon. Thank you.\n\nYou too, Sandra. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Sandra.","start":3.1999998,"end":4.24,"sentiment":"neutral","sentiment_score":0.3237705131371816},{"text":"It's Veronica from Financial.","start":4.24,"end":5.62,"sentiment":"neutral","sentiment_score":0.26163189485669136},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.20646549761295319},{"text":"Good.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.5911225080490112},{"text":"Thanks.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.6255356073379517}],"sentiment":"neutral","sentiment_score":0.3211578105886777,"num_words":12,"start":3.1999998,"end":9.44},{"sentences":[{"text":"How are you?","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.3411313096682231},{"text":"I had you booked in just to go over, you know, the research on your super and showing you, like, the comparisons and stuff that you were looking at.","start":13.215,"end":23.154999,"sentiment":"neutral","sentiment_score":0.2755461288937207},{"text":"Is now still a good is now still a good time to go over that?","start":23.455,"end":26.915,"sentiment":"positive","sentiment_score":0.3939238727092743},{"text":"Yeah.","start":28.62,"end":29.12,"sentiment":"neutral","sentiment_score":0.10306303203105928},{"text":"I will try to make it quick for you.","start":31.26,"end":33.52,"sentiment":"neutral","sentiment_score":0.13856598486502966}],"sentiment":"neutral","sentiment_score":0.2854955553224212,"num_words":57,"start":9.44,"end":33.52},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":34.7,"end":42.0,"sentiment":"neutral","sentiment_score":0.03177014882836876},{"text":"Perfect.","start":44.015,"end":44.515,"sentiment":"neutral","sentiment_score":0.269273966550827},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":44.895,"end":54.675003,"sentiment":"neutral","sentiment_score":0.10155800575840063},{"text":"Yeah.","start":66.17,"end":66.67,"sentiment":"neutral","sentiment_score":0.03243543207645416},{"text":"Just date of birth as well, please.","start":66.97,"end":68.83,"sentiment":"neutral","sentiment_score":0.03601253192339625}],"sentiment":"neutral","sentiment_score":0.06597482992697563,"num_words":67,"start":34.7,"end":68.83},{"sentences":[{"text":"Yeah.","start":71.665,"end":71.985,"sentiment":"neutral","sentiment_score":0.1857050359249115},{"text":"Amazing.","start":71.985,"end":72.485,"sentiment":"positive","sentiment_score":0.5206108093261719},{"text":"Perfect.","start":72.545006,"end":73.025,"sentiment":"positive","sentiment_score":0.5028035044670105},{"text":"And how's your day been so far?","start":73.025,"end":74.545006,"sentiment":"neutral","sentiment_score":0.2067970825093133},{"text":"I've been busy.","start":74.545006,"end":75.285,"sentiment":"neutral","sentiment_score":-0.08477237199743588}],"sentiment":"neutral","sentiment_score":0.1847986008685369,"num_words":13,"start":71.665,"end":75.285},{"sentences":[{"text":"Yeah.","start":77.185005,"end":77.685005,"sentiment":"neutral","sentiment_score":0.04716988652944565},{"text":"Well, like I said, I will try not to make it too long for you.","start":78.385,"end":82.005005,"sentiment":"neutral","sentiment_score":-0.006998142972588539},{"text":"Now, Sandra, do you have access to your emails at the moment?","start":82.99,"end":86.21,"sentiment":"neutral","sentiment_score":0.011020897965257367},{"text":"Yeah.","start":87.87,"end":88.19,"sentiment":"neutral","sentiment_score":0.047485917806625366},{"text":"Okay.","start":88.19,"end":88.51,"sentiment":"neutral","sentiment_score":0.11620032042264938}],"sentiment":"neutral","sentiment_score":0.007937825191766024,"num_words":30,"start":77.185005,"end":88.51},{"sentences":[{"text":"Perfect.","start":88.51,"end":88.99,"sentiment":"neutral","sentiment_score":0.24542886018753052},{"text":"So what I have done is I have just sent you an email with some documents.","start":88.99,"end":92.85,"sentiment":"neutral","sentiment_score":0.1577547900378704},{"text":"If you can access them, it makes it a bit easier to kind of go through their the most important points with you with numbers and stuff like that.","start":94.645004,"end":102.825,"sentiment":"neutral","sentiment_score":0.18872231399190836},{"text":"So if you can open that for me, that would be great.","start":102.965,"end":105.865,"sentiment":"neutral","sentiment_score":0.3114093119899432},{"text":"So it would be the one sorry.","start":114.26,"end":116.18,"sentiment":"neutral","sentiment_score":-0.044385407119989395}],"sentiment":"neutral","sentiment_score":0.1795179461630491,"num_words":65,"start":88.51,"end":116.18},{"sentences":[{"text":"Did you just get an email from me, like, a minute or two ago?","start":116.18,"end":119.479996,"sentiment":"neutral","sentiment_score":-0.0732435719775302},{"text":"Yep.","start":120.875,"end":121.375,"sentiment":"neutral","sentiment_score":-0.007881461642682552},{"text":"Sorry.","start":121.515,"end":122.015,"sentiment":"neutral","sentiment_score":-0.048563383519649506},{"text":"You will see before you click on the link, you will see a couple of those attachments.","start":123.115,"end":126.735,"sentiment":"neutral","sentiment_score":0.016866640023448887},{"text":"Now they're just for your reference.","start":127.835,"end":129.535,"sentiment":"neutral","sentiment_score":0.060389104609688125}],"sentiment":"neutral","sentiment_score":-0.011097111404897312,"num_words":39,"start":116.18,"end":129.535},{"sentences":[{"text":"I'll let you have a read over them in your own time.","start":129.755,"end":131.995,"sentiment":"neutral","sentiment_score":0.06417945368836324},{"text":"We've kind of went through the OT servicing guide stuff last time.","start":131.995,"end":136.46,"sentiment":"neutral","sentiment_score":0.010057844376812378},{"text":"Yeah.","start":137.8,"end":138.28,"sentiment":"neutral","sentiment_score":-0.0032932255417108536},{"text":"So what I'll need you to do is just click on the link.","start":138.28,"end":141.0,"sentiment":"neutral","sentiment_score":0.08809290797664569},{"text":"Now I know it says sign now.","start":141.0,"end":143.02,"sentiment":"neutral","sentiment_score":0.03650152018027646}],"sentiment":"neutral","sentiment_score":0.05085050658219391,"num_words":45,"start":129.755,"end":143.02},{"sentences":[{"text":"It won't get you to sign right away, but it will allow you to open the document to view it first.","start":143.16,"end":150.16501,"sentiment":"neutral","sentiment_score":0.051616865542850325},{"text":"So if you can click on that link for me, you should then see a cover page where it says, okay, financial statement of the device.","start":150.16501,"end":158.585,"sentiment":"neutral","sentiment_score":0.061371634499384806},{"text":"Can you see that okay?","start":158.725,"end":160.02501,"sentiment":"neutral","sentiment_score":0.08101164549589157},{"text":"Yeah.","start":160.085,"end":160.565,"sentiment":"neutral","sentiment_score":0.13401079177856445},{"text":"Perfect.","start":160.565,"end":161.065,"sentiment":"positive","sentiment_score":0.7082203030586243}],"sentiment":"neutral","sentiment_score":0.07272048140186127,"num_words":54,"start":143.16,"end":161.065},{"sentences":[{"text":"So this is basically the the recommendation and everything for you.","start":161.57,"end":164.85,"sentiment":"positive","sentiment_score":0.5292736644094641},{"text":"So I have done some research on your current superannuation, specifically focusing on trying to reduce the fees because I know you mentioned you felt like the the the fees were quite high.","start":164.85,"end":177.44499,"sentiment":"neutral","sentiment_score":0.1019934770284277},{"text":"So focusing on reducing the fees and then also what we could do to, you know, make some changes on your investment to to try to improve the return.","start":177.665,"end":186.405,"sentiment":"neutral","sentiment_score":0.32056201480585955},{"text":"Now I have also included research for you.","start":187.105,"end":191.09,"sentiment":"neutral","sentiment_score":0.23134276643395424},{"text":"So I did consider your Vanguard, your HESTA, and your Virgin Super.","start":191.09,"end":197.11,"sentiment":"neutral","sentiment_score":0.2245998481909434}],"sentiment":"neutral","sentiment_score":0.24763477193091504,"num_words":93,"start":161.57,"end":197.11},{"sentences":[{"text":"Because last time we spoke, I know you mentioned that those are the options that you are considering, So I have included all that research so you can see completely for your facts.","start":197.25,"end":206.04501,"sentiment":"neutral","sentiment_score":0.26323238376415137},{"text":"Now I do wanna let you know as well that the the recommendations and the SOA, it does expire on the April 13.","start":208.02501,"end":217.32501,"sentiment":"neutral","sentiment_score":0.12185492965838184},{"text":"So you do have a few days to decide.","start":217.95001,"end":220.67001,"sentiment":"neutral","sentiment_score":0.1528623087538613},{"text":"So if you wanna obviously have a rate over it over the weekend and stuff like that, that is fine, but it does expire on Monday the thirteenth.","start":220.67001,"end":229.57,"sentiment":"neutral","sentiment_score":0.14307523425668478},{"text":"So if you could let me know on Monday what you would like to do.","start":230.285,"end":235.985,"sentiment":"neutral","sentiment_score":0.17221452097098033}],"sentiment":"neutral","sentiment_score":0.18013349258237416,"num_words":108,"start":197.25,"end":235.985},{"sentences":[{"text":"It's completely up to you at the end of the day, but at least you have a couple of days and the weekend to tryna, you know, take your time and have a read over everything as well.","start":236.765,"end":246.65,"sentiment":"neutral","sentiment_score":0.23387227991693899},{"text":"Yep.","start":247.83,"end":248.33,"sentiment":"neutral","sentiment_score":0.1390863060951233},{"text":"Now on the cover page, you will also see that this has been tailored to you.","start":248.47,"end":252.89,"sentiment":"neutral","sentiment_score":0.1586713157594204},{"text":"You will see my details underneath that.","start":253.11,"end":255.91,"sentiment":"neutral","sentiment_score":0.14547666481563024},{"text":"So you will see my authorized representative number, and I am licensed under OCU Financial.","start":255.91,"end":261.495,"sentiment":"neutral","sentiment_score":0.1158219983180364}],"sentiment":"neutral","sentiment_score":0.1859823457606427,"num_words":77,"start":236.765,"end":261.495},{"sentences":[{"text":"Now on the second page, you will see the best interest due date.","start":263.475,"end":267.715,"sentiment":"neutral","sentiment_score":0.073008304891678},{"text":"Do you remember what that is at all?","start":267.715,"end":269.815,"sentiment":"neutral","sentiment_score":0.010076533304527402},{"text":"No.","start":272.93,"end":273.43,"sentiment":"neutral","sentiment_score":-0.09257163852453232},{"text":"So, basically, what it is, it is a legal requirement that we have to follow, and it basically means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.","start":273.72998,"end":292.35498,"sentiment":"neutral","sentiment_score":0.1500193003793152},{"text":"Otherwise, I cannot actually make the recommendation.","start":292.35498,"end":294.695,"sentiment":"neutral","sentiment_score":-0.21259272524288722}],"sentiment":"neutral","sentiment_score":0.08717878504345815,"num_words":78,"start":263.475,"end":294.695},{"sentences":[{"text":"So there is a lot of protection for you as clients that we have to follow, and that is to make sure that we always just focus on your needs and your goals and make that into consideration when we are making advice.","start":295.475,"end":309.94,"sentiment":"neutral","sentiment_score":0.02919111877333286},{"text":"Does that make sense?","start":310.16,"end":311.22,"sentiment":"neutral","sentiment_score":0.037371215876191854},{"text":"Yeah.","start":312.08,"end":312.4,"sentiment":"neutral","sentiment_score":0.29931652545928955},{"text":"Great.","start":312.4,"end":312.9,"sentiment":"positive","sentiment_score":0.5972155332565308},{"text":"Now next page, table of content.","start":313.39502,"end":316.695,"sentiment":"neutral","sentiment_score":0.2999962270259857}],"sentiment":"neutral","sentiment_score":0.074567498029633,"num_words":55,"start":295.475,"end":316.695},{"sentences":[{"text":"Pretty self explanatory.","start":316.755,"end":317.975,"sentiment":"positive","sentiment_score":0.3756759266058604},{"text":"The the following page is kind of talking about scope of advice.","start":319.155,"end":323.635,"sentiment":"neutral","sentiment_score":0.09580826355765264},{"text":"So, basically, what this is is the areas we are looking at today.","start":323.635,"end":327.33502,"sentiment":"neutral","sentiment_score":0.12354046908708718},{"text":"So simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you.","start":327.74,"end":340.0,"sentiment":"neutral","sentiment_score":0.17080517314575813},{"text":"We're not making any changes or anything to your insurances in this stage.","start":340.315,"end":344.555,"sentiment":"neutral","sentiment_score":-0.21083628844756347}],"sentiment":"neutral","sentiment_score":0.0956624704771317,"num_words":78,"start":316.755,"end":344.555},{"sentences":[{"text":"So simply just focusing on your superannuation.","start":344.555,"end":346.975,"sentiment":"neutral","sentiment_score":0.022502266934939792},{"text":"Yep.","start":348.79498,"end":349.275,"sentiment":"neutral","sentiment_score":0.1926198452711105},{"text":"Perfect.","start":349.275,"end":349.775,"sentiment":"positive","sentiment_score":0.4055909216403961},{"text":"Now if you can scroll through to for me, you will see page five and page six.","start":350.395,"end":355.74,"sentiment":"neutral","sentiment_score":0.13920886201017044},{"text":"Just some personal information in regards to yourself.","start":356.06,"end":359.52,"sentiment":"neutral","sentiment_score":0.13024985790252686}],"sentiment":"neutral","sentiment_score":0.12247871037791758,"num_words":34,"start":344.555,"end":359.52},{"sentences":[{"text":"Just have a quick read over that for me if there's anything I need to update in the back end.","start":360.06,"end":364.88,"sentiment":"neutral","sentiment_score":0.12812145091593266},{"text":"Otherwise, if you wanna scroll to page seven when you're ready.","start":365.9,"end":368.96,"sentiment":"neutral","sentiment_score":0.05429889363321391},{"text":"It is.","start":396.99503,"end":397.635,"sentiment":"neutral","sentiment_score":-0.012829264625906944},{"text":"It is.","start":397.635,"end":398.27502,"sentiment":"neutral","sentiment_score":0.020920874550938606},{"text":"Yes.","start":398.27502,"end":398.67502,"sentiment":"neutral","sentiment_score":0.08219238370656967}],"sentiment":"neutral","sentiment_score":0.09050256810668442,"num_words":36,"start":360.06,"end":398.67502},{"sentences":[{"text":"The recommendation is in this document.","start":398.67502,"end":400.535,"sentiment":"neutral","sentiment_score":0.07466993170479934},{"text":"So it will come a little bit as I go through it.","start":405.97,"end":408.85,"sentiment":"neutral","sentiment_score":0.060340956008682646},{"text":"Sorry.","start":408.85,"end":409.35,"sentiment":"neutral","sentiment_score":-0.037522830069065094},{"text":"Can you can you see page seven for me first?","start":410.21,"end":412.94998,"sentiment":"neutral","sentiment_score":0.016062365286052226},{"text":"Can you see what that yep.","start":413.09,"end":414.53,"sentiment":"neutral","sentiment_score":0.05209776541839043}],"sentiment":"neutral","sentiment_score":0.04593709936099393,"num_words":35,"start":398.67502,"end":414.53},{"sentences":[{"text":"Perfect.","start":414.53,"end":415.03,"sentiment":"positive","sentiment_score":0.41215935349464417},{"text":"So first of all, it's it's just a little bit of just some general information for your reference, but we will get very soon to the what the recommendation is.","start":415.49,"end":424.195,"sentiment":"neutral","sentiment_score":0.19850297669569653},{"text":"But this just basically outlines, you currently have your Subaru in Hub 24.","start":424.975,"end":428.895,"sentiment":"neutral","sentiment_score":0.07862208840938714},{"text":"You also have your Clearview insurances.","start":428.895,"end":430.995,"sentiment":"neutral","sentiment_score":0.09808839733401935},{"text":"Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own time.","start":433.55002,"end":440.37,"sentiment":"neutral","sentiment_score":0.0502158221271303}],"sentiment":"neutral","sentiment_score":0.12121679720940529,"num_words":77,"start":414.53,"end":440.37},{"sentences":[{"text":"But, basically, last time we spoke, you mentioned that you are you are quite comfortable in your growth portfolio.","start":440.75,"end":446.61002,"sentiment":"neutral","sentiment_score":0.14571553272636315},{"text":"You are still wanting to focus on growing your superannuation.","start":447.885,"end":451.025,"sentiment":"positive","sentiment_score":0.34252088367938993},{"text":"And in terms of that asset allocation, aiming for about 80% in the growth investment and 20 in defensive.","start":452.205,"end":459.905,"sentiment":"neutral","sentiment_score":0.18607609679824427},{"text":"So I have used a similar risk profile to make it a bit more kind of apple to apple comparison when I have done all the research and all the portfolios for you for making sure it's the same level of, you know, risk and stuff like that.","start":460.04498,"end":474.495,"sentiment":"neutral","sentiment_score":0.1270574834973862},{"text":"Yep.","start":476.01498,"end":476.51498,"sentiment":"neutral","sentiment_score":-0.006339074578136206}],"sentiment":"neutral","sentiment_score":0.1631099992892561,"num_words":97,"start":440.75,"end":476.51498},{"sentences":[{"text":"Yep.","start":484.815,"end":485.315,"sentiment":"neutral","sentiment_score":-0.040919989347457886},{"text":"Yep.","start":485.615,"end":486.115,"sentiment":"neutral","sentiment_score":0.005469158291816711},{"text":"Important for you?","start":488.03,"end":489.09,"sentiment":"neutral","sentiment_score":0.06943478931983312},{"text":"Yes.","start":489.95,"end":490.35,"sentiment":"neutral","sentiment_score":0.3050517439842224},{"text":"Perfect.","start":490.35,"end":490.75,"sentiment":"positive","sentiment_score":0.6051186919212341}],"sentiment":"neutral","sentiment_score":0.15471771040133067,"num_words":7,"start":484.815,"end":490.75},{"sentences":[{"text":"It is coming very soon for you.","start":490.75,"end":492.69,"sentiment":"positive","sentiment_score":0.5181722726140704},{"text":"So if you wanna scroll to page 10, you will see the actual recommendation.","start":492.91,"end":499.81,"sentiment":"neutral","sentiment_score":0.11320519926292556},{"text":"What I'll go, I'll go to the tables first.","start":500.495,"end":502.815,"sentiment":"neutral","sentiment_score":0.11626927223470476},{"text":"So what I have recommended after doing all the research is that you stay in hub twenty four and change your investment.","start":502.815,"end":511.715,"sentiment":"neutral","sentiment_score":0.1799867224286903},{"text":"I will go through the changes and what they look like for you as well as the comparisons so that you can see that for yourself.","start":512.41504,"end":520.02,"sentiment":"neutral","sentiment_score":0.25034902645991397}],"sentiment":"neutral","sentiment_score":0.2144523683266762,"num_words":78,"start":490.75,"end":520.02},{"sentences":[{"text":"Okay.","start":530.25494,"end":530.65497,"sentiment":"neutral","sentiment_score":-0.1251080483198166},{"text":"Which is probably why you can't see see those comparisons.","start":530.65497,"end":533.39496,"sentiment":"neutral","sentiment_score":-0.19261866211891174},{"text":"Let me have a look here for you.","start":534.975,"end":537.235,"sentiment":"neutral","sentiment_score":-0.010496860602870584},{"text":"So what did your documents finish it?","start":542.75,"end":544.99,"sentiment":"neutral","sentiment_score":-0.028244048090917722},{"text":"What does it say that it just finishes at page 10?","start":544.99,"end":547.97,"sentiment":"neutral","sentiment_score":-0.05729398639364676}],"sentiment":"neutral","sentiment_score":-0.08008680381887667,"num_words":37,"start":530.25494,"end":547.97},{"sentences":[{"text":"Okay.","start":560.685,"end":561.185,"sentiment":"neutral","sentiment_score":0.04437778890132904},{"text":"What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see.","start":561.645,"end":577.82996,"sentiment":"neutral","sentiment_score":0.0370516466597716},{"text":"So my colleague will just put that through the system now so you will get a new email shortly.","start":578.76996,"end":586.625,"sentiment":"neutral","sentiment_score":0.12814664370135256},{"text":"While he's kind of sending that to you, just so I don't keep you waiting for too long, I will just kind of go through some of the general stuff.","start":588.285,"end":600.02,"sentiment":"neutral","sentiment_score":-0.0003949832171201701},{"text":"And then when you can see the numbers, then we can kind of I'll I'll show you all those comparisons.","start":600.24005,"end":605.14,"sentiment":"neutral","sentiment_score":0.15044420957565308}],"sentiment":"neutral","sentiment_score":0.0642458301318704,"num_words":106,"start":560.685,"end":605.14},{"sentences":[{"text":"And you just let me know as soon as you get that email, the new email.","start":607.2,"end":611.44,"sentiment":"neutral","sentiment_score":0.15847607795149088},{"text":"Okay?","start":611.44,"end":611.94,"sentiment":"neutral","sentiment_score":0.06807119399309158},{"text":"Okay.","start":613.545,"end":614.045,"sentiment":"neutral","sentiment_score":0.08161956071853638},{"text":"Now let me see here.","start":615.14496,"end":617.32495,"sentiment":"neutral","sentiment_score":0.0788499429821968},{"text":"So if I start with the comparison, so I did look at, obviously, your Vanguard, your Virgin Soup, and your HESTA, which as soon as you get that email, I will point you to their correct page.","start":618.26495,"end":633.35,"sentiment":"neutral","sentiment_score":0.10296327620744705}],"sentiment":"neutral","sentiment_score":0.11481998227536679,"num_words":60,"start":607.2,"end":633.35},{"sentences":[{"text":"By basically making a switch to another superannuation, what we would have to do is obviously sell down all your investment.","start":634.85,"end":644.195,"sentiment":"neutral","sentiment_score":-0.11106524980139165},{"text":"Now when you sell investments, so both in that super and outside superannuation, you have to pay capital gains tax.","start":644.97504,"end":652.59503,"sentiment":"neutral","sentiment_score":-0.1605635726824403},{"text":"So you have to do that when when you sell investment.","start":653.22,"end":655.56,"sentiment":"neutral","sentiment_score":-0.09230590645562518},{"text":"So because your super has grown since when you came on board, which is great, if you decide today to be like, you know what?","start":655.94,"end":664.58,"sentiment":"neutral","sentiment_score":0.18109148725867272},{"text":"This is not for me, and I wanna go to Vanguard or Hesta or Virgin, there will be, obviously, capital gains that would come out of your ballot.","start":664.58,"end":672.41504,"sentiment":"neutral","sentiment_score":-0.14400560887796537}],"sentiment":"neutral","sentiment_score":-0.05775120512005829,"num_words":105,"start":634.85,"end":672.41504},{"sentences":[{"text":"Now that amount and it fluctuates when you calculate it because it does change on a daily.","start":672.875,"end":678.895,"sentiment":"neutral","sentiment_score":-0.0649400114574853},{"text":"But, roughly, it will be about $2,000 and 87 sorry.","start":679.35504,"end":685.69,"sentiment":"neutral","sentiment_score":-0.08690035603940487},{"text":"$2,087 is the tax that will come out of your superannuation.","start":685.69,"end":690.26996,"sentiment":"neutral","sentiment_score":-0.15732431750405917},{"text":"So just so you know, the the balance difference.","start":692.49,"end":695.47,"sentiment":"neutral","sentiment_score":-0.08510263843668832},{"text":"So that is every time you make a change, you will have to sell investment.","start":695.645,"end":699.265,"sentiment":"neutral","sentiment_score":-0.14176955223083496}],"sentiment":"neutral","sentiment_score":-0.10638739156626886,"num_words":62,"start":672.875,"end":699.265},{"sentences":[{"text":"Now when we are making changes with your superannuation, we focus on trying to minimize that.","start":700.125,"end":706.865,"sentiment":"neutral","sentiment_score":-0.018279808573424816},{"text":"So we obviously don't want you to pay, you know, the the tax, but we also wanna make sure we also switch you to the investment that's going to do good.","start":707.245,"end":715.61,"sentiment":"neutral","sentiment_score":0.032882395771241954},{"text":"So if you are just selling out of everything and moving, the tax will be about that 2,087, which is why the balance looks a bit different on the table, which you will see shortly.","start":715.99,"end":728.50494,"sentiment":"neutral","sentiment_score":-0.1538696316736085},{"text":"Basically, it will take your your balance to about 81,796.","start":729.44495,"end":735.46497,"sentiment":"neutral","sentiment_score":-0.010522551229223609},{"text":"So I've used that for comparing straight Vanguard, straight Virgin, and straight Hepa super for you.","start":736.47003,"end":743.21,"sentiment":"neutral","sentiment_score":0.2520850067958236}],"sentiment":"neutral","sentiment_score":-0.006763196114830121,"num_words":108,"start":700.125,"end":743.21},{"sentences":[{"text":"Now in the comparison research, I have just to, again, give you as close comparisons as possible.","start":743.35004,"end":751.84503,"sentiment":"neutral","sentiment_score":0.29980622494921966},{"text":"I have just left your current Clearview insurances.","start":752.465,"end":755.765,"sentiment":"neutral","sentiment_score":0.1439265999943018},{"text":"So you can move them if if you wanted to keep them.","start":755.985,"end":760.47,"sentiment":"neutral","sentiment_score":0.14097925772269568},{"text":"So that's not that's a completely separate company clear view.","start":760.79,"end":763.43,"sentiment":"neutral","sentiment_score":0.05652693584561348},{"text":"It's not tied to your current hub twenty four.","start":763.43,"end":766.00995,"sentiment":"neutral","sentiment_score":0.012405401716629664}],"sentiment":"neutral","sentiment_score":0.15387120876195176,"num_words":56,"start":743.35004,"end":766.00995},{"sentences":[{"text":"So just for for these purposes, I have just factored in your current insurances if it is that you decide to keep Does that make sense so far?","start":766.23,"end":776.165,"sentiment":"neutral","sentiment_score":0.09934999846986362},{"text":"Yep.","start":777.58496,"end":778.08496,"sentiment":"neutral","sentiment_score":0.23062001168727875},{"text":"Now with your Vanguard Super, I have used a three year rolling average when I compare the returns on all portfolio.","start":778.46497,"end":787.765,"sentiment":"positive","sentiment_score":0.3460655098869687},{"text":"Some didn't have five years, so that's why we've used three on everything to make it more like for like.","start":789.85,"end":798.19,"sentiment":"neutral","sentiment_score":0.22473585568368434},{"text":"Now we have just issued that new document to you, so let me know if that came through through okay.","start":799.77,"end":807.015,"sentiment":"neutral","sentiment_score":0.25809507742524146}],"sentiment":"neutral","sentiment_score":0.2215157148738702,"num_words":90,"start":766.23,"end":807.015},{"sentences":[{"text":"Yes?","start":807.555,"end":807.955,"sentiment":"neutral","sentiment_score":0.13464002311229706},{"text":"Okay.","start":807.955,"end":808.455,"sentiment":"neutral","sentiment_score":0.25151920318603516},{"text":"Perfect.","start":809.075,"end":809.555,"sentiment":"positive","sentiment_score":0.6214156150817871},{"text":"Now, hopefully, you have everything now.","start":809.555,"end":811.655,"sentiment":"positive","sentiment_score":0.39760156472524005},{"text":"If you click on the link where it says sign now, It still finishes on page nine.","start":815.09,"end":830.72504,"sentiment":"neutral","sentiment_score":0.007236237802049693}],"sentiment":"neutral","sentiment_score":0.13523847201409248,"num_words":26,"start":807.555,"end":830.72504},{"sentences":[{"text":"Okay.","start":834.22504,"end":834.72504,"sentiment":"neutral","sentiment_score":0.023781906813383102},{"text":"What I might do is just send you the document by itself on email so you can see it, and then I'll have a have a chat to the team if there's a bit of a technology issue and then get it reissued to you.","start":834.86505,"end":853.755,"sentiment":"neutral","sentiment_score":0.05865496711598502},{"text":"But then at least way this this way, you can see the whole document now when we're going through it.","start":853.835,"end":859.855,"sentiment":"neutral","sentiment_score":0.09825807828456164},{"text":"Alright.","start":860.475,"end":860.975,"sentiment":"neutral","sentiment_score":0.009188096038997172},{"text":"Just bear with me.","start":861.195,"end":862.715,"sentiment":"neutral","sentiment_score":-0.023552538361400366}],"sentiment":"neutral","sentiment_score":0.06399147796221602,"num_words":71,"start":834.22504,"end":862.715},{"sentences":[{"text":"I will just email you that now.","start":862.715,"end":865.215,"sentiment":"neutral","sentiment_score":-0.0322469063103199},{"text":"That is very strange that you're only getting that because I can see all all the pages here from what I sent.","start":867.05005,"end":872.59,"sentiment":"neutral","sentiment_score":-0.30584755607626657},{"text":"You have a like, hello.","start":886.50494,"end":887.725,"sentiment":"neutral","sentiment_score":-0.3191594421863556},{"text":"That is very strange.","start":888.665,"end":890.605,"sentiment":"negative","sentiment_score":-0.4974403828382492},{"text":"We do have access to another software.","start":891.3,"end":894.44,"sentiment":"neutral","sentiment_score":-0.24599415915352957}],"sentiment":"neutral","sentiment_score":-0.2724864985379908,"num_words":45,"start":862.715,"end":894.44},{"sentences":[{"text":"So what I might get the team to do later is, like, when I get off the phone, is to send it through a different software and see if that helps.","start":894.5,"end":904.66003,"sentiment":"neutral","sentiment_score":0.08035493786296537},{"text":"But for now, anyway, bear with me, and I will just attach it as a PDF version so that you can actually see it.","start":904.66003,"end":912.955,"sentiment":"neutral","sentiment_score":0.10871847827608387},{"text":"Let me see here.","start":915.175,"end":917.115,"sentiment":"neutral","sentiment_score":0.08644360490143299},{"text":"Okay.","start":919.37,"end":919.87,"sentiment":"neutral","sentiment_score":0.14148709177970886},{"text":"I'll add all the attachments as well so that you can see them.","start":925.76996,"end":930.11,"sentiment":"neutral","sentiment_score":0.16094459134798783}],"sentiment":"neutral","sentiment_score":0.1052025719354414,"num_words":73,"start":894.5,"end":930.11},{"sentences":[{"text":"Okay.","start":950.81,"end":951.31,"sentiment":"neutral","sentiment_score":0.2148481011390686},{"text":"That is on its way to you now, just just normal email.","start":951.45,"end":955.07,"sentiment":"neutral","sentiment_score":0.3025320842862129},{"text":"So it won't get you to sign anything, but at least you can look at it while I'm trying to get the team on the IT.","start":955.875,"end":962.53503,"sentiment":"neutral","sentiment_score":0.0659631949204665},{"text":"So that should come through to you shortly.","start":964.275,"end":967.335,"sentiment":"neutral","sentiment_score":0.19539324007928371},{"text":"It says it was just sent on my end.","start":971.36,"end":973.7,"sentiment":"neutral","sentiment_score":0.0510761294927862}],"sentiment":"neutral","sentiment_score":0.1354126297602696,"num_words":56,"start":950.81,"end":973.7},{"sentences":[{"text":"You got it?","start":989.375,"end":990.275,"sentiment":"neutral","sentiment_score":0.07046445459127426},{"text":"Does that have 25 pages?","start":998.59,"end":1000.37,"sentiment":"neutral","sentiment_score":0.02738543413579464},{"text":"So when you open the email, you should see a couple of different attachments.","start":1002.35004,"end":1006.29004,"sentiment":"neutral","sentiment_score":0.04787238048655646},{"text":"And if you can open the last one, it should say statement of advice.","start":1007.15,"end":1014.505,"sentiment":"neutral","sentiment_score":0.020829121648733104},{"text":"There should be four attachments, and it's just the first one.","start":1026.82,"end":1031.0,"sentiment":"neutral","sentiment_score":0.033627624877474525}],"sentiment":"neutral","sentiment_score":0.03574564761700148,"num_words":47,"start":989.375,"end":1031.0},{"sentences":[{"text":"Yes.","start":1035.1549,"end":1035.635,"sentiment":"neutral","sentiment_score":0.12923884391784668},{"text":"Okay.","start":1035.635,"end":1036.135,"sentiment":"neutral","sentiment_score":0.15316757559776306},{"text":"Perfect.","start":1036.195,"end":1036.695,"sentiment":"positive","sentiment_score":0.3647268116474152},{"text":"Yes.","start":1038.115,"end":1038.615,"sentiment":"neutral","sentiment_score":0.1221192628145218},{"text":"Oh, great.","start":1038.755,"end":1039.635,"sentiment":"positive","sentiment_score":0.4742625057697296}],"sentiment":"neutral","sentiment_score":0.286296250919501,"num_words":6,"start":1035.1549,"end":1039.635},{"sentences":[{"text":"Perfect.","start":1039.635,"end":1040.135,"sentiment":"positive","sentiment_score":0.4069931507110596},{"text":"So if you can scroll that's probably why you were like, what are you talking about?","start":1041.635,"end":1047.38,"sentiment":"neutral","sentiment_score":0.10122609091922641},{"text":"If you can scroll through through page let me see here.","start":1047.6,"end":1052.1,"sentiment":"neutral","sentiment_score":0.015183459882709112},{"text":"15.","start":1053.12,"end":1053.62,"sentiment":"neutral","sentiment_score":-0.005321983247995377},{"text":"No.","start":1054.0,"end":1054.32,"sentiment":"neutral","sentiment_score":-0.049534909427165985}],"sentiment":"neutral","sentiment_score":0.07129239238177737,"num_words":30,"start":1039.635,"end":1054.32},{"sentences":[{"text":"Sorry.","start":1054.32,"end":1054.82,"sentiment":"neutral","sentiment_score":-0.050537001341581345},{"text":"17 for me.","start":1055.92,"end":1057.275,"sentiment":"neutral","sentiment_score":-0.029457469781239826},{"text":"Mhmm.","start":1060.715,"end":1061.215,"sentiment":"neutral","sentiment_score":0.0027511389926075935},{"text":"It can sometimes be 18 depending on the cover page, but the heading should say industry fund comparison.","start":1061.515,"end":1069.615,"sentiment":"neutral","sentiment_score":0.0025151457327107587},{"text":"Yep.","start":1091.445,"end":1091.765,"sentiment":"neutral","sentiment_score":0.08604519814252853}],"sentiment":"neutral","sentiment_score":-0.00020168543172379336,"num_words":24,"start":1054.32,"end":1091.765},{"sentences":[{"text":"You can see this table.","start":1091.765,"end":1092.8049,"sentiment":"neutral","sentiment_score":0.0829762026667595},{"text":"So you can see vendor, Virgin, and Hester.","start":1092.8049,"end":1095.0449,"sentiment":"neutral","sentiment_score":0.07098081195726991},{"text":"Yep.","start":1095.0449,"end":1095.5449,"sentiment":"neutral","sentiment_score":0.09192299097776412},{"text":"So this is the the the comparison.","start":1095.765,"end":1098.53,"sentiment":"neutral","sentiment_score":0.10277530338082995},{"text":"So you can see here, you know, the balance, like I mentioned.","start":1098.59,"end":1101.65,"sentiment":"neutral","sentiment_score":0.1338544717679421}],"sentiment":"neutral","sentiment_score":0.10304034196517685,"num_words":33,"start":1091.765,"end":1101.65},{"sentences":[{"text":"You can see the difference that they would charge in admin fees, investment fees, and other fees associated with the account.","start":1102.27,"end":1110.69,"sentiment":"neutral","sentiment_score":0.12951115057581947},{"text":"Now you can also see here that adviser fee is obviously zero because if you go there, then we you know, you wouldn't stay on other clients.","start":1111.335,"end":1118.2949,"sentiment":"neutral","sentiment_score":0.14017394171268852},{"text":"You wouldn't pay any adviser fees to show you that.","start":1118.2949,"end":1120.875,"sentiment":"neutral","sentiment_score":-0.17483260184526445},{"text":"Like I mentioned, insurances, it's the same across everyone to kind of show you more just what your super would do.","start":1122.535,"end":1128.8201,"sentiment":"neutral","sentiment_score":0.09338808662834622},{"text":"Now you can see your total cost.","start":1130.4,"end":1132.26,"sentiment":"neutral","sentiment_score":0.16165033621447428}],"sentiment":"neutral","sentiment_score":0.0912651946811482,"num_words":86,"start":1102.27,"end":1132.26},{"sentences":[{"text":"So out of this, you can see that Vanguard is cheaper.","start":1132.3201,"end":1136.02,"sentiment":"neutral","sentiment_score":0.18762334097515454},{"text":"So that is for 453, 612 for Virgin, and has the 812.","start":1136.7351,"end":1144.035,"sentiment":"neutral","sentiment_score":0.069970921613276},{"text":"Now as your super balance change, sometimes this would obviously change because some some insurers sorry.","start":1144.175,"end":1150.93,"sentiment":"neutral","sentiment_score":-0.030867128632962704},{"text":"Some superannuation funds have a percentage of the balance.","start":1150.93,"end":1153.75,"sentiment":"neutral","sentiment_score":-0.0455559276872211},{"text":"So if your balance is, let's say, 250, Vanguard might not be the cheapest anymore.","start":1154.13,"end":1159.3301,"sentiment":"neutral","sentiment_score":-0.08498355696598689}],"sentiment":"neutral","sentiment_score":0.011505984893393896,"num_words":63,"start":1132.3201,"end":1159.3301},{"sentences":[{"text":"It just depends.","start":1159.3301,"end":1160.2101,"sentiment":"neutral","sentiment_score":-0.049953073263168335},{"text":"But right now, from your current balance, Vanguard is the cheapest.","start":1160.2101,"end":1163.8301,"sentiment":"neutral","sentiment_score":-0.037866239859299225},{"text":"Now you have then the three year rolling average.","start":1165.805,"end":1169.185,"sentiment":"neutral","sentiment_score":0.071083076712158},{"text":"So showing you on average in the last three years how their growth portfolio has performed.","start":1169.485,"end":1176.9451,"sentiment":"neutral","sentiment_score":0.10826626559719443},{"text":"Now you can see Vanguard is 13.59, Virgin, 15.58, and HESTA, 12.88.","start":1177.74,"end":1187.92,"sentiment":"neutral","sentiment_score":0.13074675078193346}],"sentiment":"neutral","sentiment_score":0.06616825668835173,"num_words":51,"start":1159.3301,"end":1187.92},{"sentences":[{"text":"So you can see that from here, Vanguard has performed historically anyway, the best out of it.","start":1188.38,"end":1196.355,"sentiment":"neutral","sentiment_score":0.23689513960305383},{"text":"Now that's then been projected forward five and ten years so that you can see the difference.","start":1196.895,"end":1202.4349,"sentiment":"neutral","sentiment_score":0.11178105455987594},{"text":"Now this is also kind of assuming no contributions going into superannuation and your Clearview insurances.","start":1202.895,"end":1210.11,"sentiment":"neutral","sentiment_score":0.06093990500085056},{"text":"You can't you can never guarantee the returns of what is going to happen in the market, but at least using the same time frame gives you a little bit more certainty of because they've had the same level of market fluctuations and stuff like that during this period of time.","start":1211.05,"end":1227.125,"sentiment":"neutral","sentiment_score":0.033239749570687614},{"text":"Does that make sense so far, Sandra?","start":1227.345,"end":1229.125,"sentiment":"neutral","sentiment_score":0.052469120493956974}],"sentiment":"neutral","sentiment_score":0.08300967455876095,"num_words":108,"start":1188.38,"end":1229.125},{"sentences":[{"text":"Yep.","start":1230.225,"end":1230.63,"sentiment":"neutral","sentiment_score":0.2549264430999756},{"text":"Perfect.","start":1230.79,"end":1231.29,"sentiment":"positive","sentiment_score":0.562881350517273},{"text":"That would give you this.","start":1231.67,"end":1232.79,"sentiment":"positive","sentiment_score":0.4616872549057007},{"text":"So I use that as part of the research to make sure that, well, if Vanguard was going to be the best option for you, at least out of these three, that was the most favorable in terms of what you wanted, is that better than Hub twenty four with the changes in the portfolio?","start":1232.79,"end":1251.245,"sentiment":"neutral","sentiment_score":0.29370084432038396},{"text":"So those were kind of the two options that I was leaning towards.","start":1251.625,"end":1254.905,"sentiment":"neutral","sentiment_score":0.11834141841301551}],"sentiment":"neutral","sentiment_score":0.2775763859351476,"num_words":75,"start":1230.225,"end":1254.905},{"sentences":[{"text":"And you can see here lump sum in five and ten years.","start":1254.905,"end":1260.125,"sentiment":"neutral","sentiment_score":0.09066444435544933},{"text":"So if we use ten years, for example, you have or let's do five because it's it's it's closer of a 120,675.","start":1261.2899,"end":1273.39,"sentiment":"neutral","sentiment_score":0.029859850437126377},{"text":"Okay?","start":1273.45,"end":1273.95,"sentiment":"neutral","sentiment_score":0.03815228119492531},{"text":"Now if you wanna scroll up to page 15 for me.","start":1275.4349,"end":1281.615,"sentiment":"neutral","sentiment_score":0.02198367633602836},{"text":"Can you see that?","start":1283.275,"end":1284.335,"sentiment":"neutral","sentiment_score":0.017337195109575987}],"sentiment":"neutral","sentiment_score":0.04188423086423427,"num_words":50,"start":1254.905,"end":1284.335},{"sentences":[{"text":"So you can see can you see the heading where it says fee comparison?","start":1286.57,"end":1289.31,"sentiment":"neutral","sentiment_score":0.03310151557837214},{"text":"Yep.","start":1291.29,"end":1291.79,"sentiment":"neutral","sentiment_score":0.05536852777004242},{"text":"One down.","start":1295.53,"end":1296.43,"sentiment":"neutral","sentiment_score":0.04257750324904919},{"text":"The fee comparison test Yes.","start":1298.505,"end":1301.465,"sentiment":"neutral","sentiment_score":0.06740427985787392},{"text":"Yep.","start":1301.465,"end":1301.965,"sentiment":"neutral","sentiment_score":0.18892845511436465}],"sentiment":"neutral","sentiment_score":0.049125852468221085,"num_words":23,"start":1286.57,"end":1301.965},{"sentences":[{"text":"So this is what I have recommended.","start":1302.185,"end":1304.605,"sentiment":"neutral","sentiment_score":0.3212689629622868},{"text":"So you can see your current situation.","start":1305.0651,"end":1306.925,"sentiment":"neutral","sentiment_score":0.24281341476099833},{"text":"So you're current in Hub 24.","start":1307.465,"end":1309.645,"sentiment":"neutral","sentiment_score":0.059394884233673416},{"text":"Now you can see that Hub 24 as a platform is a little bit more expensive than Vanguard, for example.","start":1309.9451,"end":1317.7301,"sentiment":"neutral","sentiment_score":-0.1291461031883955},{"text":"So it is a little bit more costly.","start":1318.3501,"end":1320.05,"sentiment":"neutral","sentiment_score":-0.23841079883277416}],"sentiment":"neutral","sentiment_score":-0.0038596355201055608,"num_words":48,"start":1302.185,"end":1320.05},{"sentences":[{"text":"Now this also factors in your adviser service fee.","start":1320.43,"end":1325.565,"sentiment":"neutral","sentiment_score":-0.1043247597085105},{"text":"So, obviously, the fees through to to keep us advisers on your account.","start":1325.8049,"end":1330.5449,"sentiment":"neutral","sentiment_score":-0.01895145785350066},{"text":"So that's also factored in for you.","start":1330.845,"end":1332.945,"sentiment":"neutral","sentiment_score":0.04263230785727501},{"text":"Again, no contribution and the same insurance with ClearView.","start":1333.085,"end":1337.105,"sentiment":"neutral","sentiment_score":0.06374671765499645},{"text":"You can see your total cost in hub twenty four at the moment, so 2,338.","start":1338.0499,"end":1344.95,"sentiment":"neutral","sentiment_score":0.056480556478103}],"sentiment":"neutral","sentiment_score":0.010076663615006322,"num_words":53,"start":1320.43,"end":1344.95},{"sentences":[{"text":"Now you can see the same three year time frame.","start":1345.89,"end":1350.15,"sentiment":"neutral","sentiment_score":0.10527315698564052},{"text":"Your current portfolio has done 14.28 $2.00.","start":1351.195,"end":1356.8949,"sentiment":"neutral","sentiment_score":0.1510381049343518},{"text":"Okay?","start":1357.195,"end":1357.695,"sentiment":"neutral","sentiment_score":0.0772538036108017},{"text":"So even though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return.","start":1358.3949,"end":1368.17,"sentiment":"neutral","sentiment_score":-0.15961794594400808},{"text":"But, obviously, it is a little bit more expensive.","start":1368.17,"end":1370.01,"sentiment":"neutral","sentiment_score":-0.3005250328116947}],"sentiment":"neutral","sentiment_score":-0.07717856870073339,"num_words":46,"start":1345.89,"end":1370.01},{"sentences":[{"text":"So then you have to look at, obviously, the net outcome.","start":1370.01,"end":1373.55,"sentiment":"neutral","sentiment_score":-0.1029152822765437},{"text":"You then have recommended.","start":1375.37,"end":1376.99,"sentiment":"neutral","sentiment_score":0.05683870613574982},{"text":"So this is what I have recommended that you stay in hub twenty four, but change your investment.","start":1377.4501,"end":1382.625,"sentiment":"neutral","sentiment_score":0.10209113773372439},{"text":"Now the balance at the top where you see the difference of 654, can you see that?","start":1383.6449,"end":1390.625,"sentiment":"neutral","sentiment_score":0.08030377416049733},{"text":"That is the tax again.","start":1392.0701,"end":1393.6901,"sentiment":"neutral","sentiment_score":0.07404517084360122}],"sentiment":"neutral","sentiment_score":0.048514858430082144,"num_words":55,"start":1370.01,"end":1393.6901},{"sentences":[{"text":"So it's a lot lower than obviously selling everything because by making the change in the portfolio, we wouldn't have to sell all your investments.","start":1393.99,"end":1402.41,"sentiment":"neutral","sentiment_score":0.16874788999557494},{"text":"We would just change a couple.","start":1402.4701,"end":1404.17,"sentiment":"neutral","sentiment_score":0.18701906750599542},{"text":"So a couple for some that's been performing a little bit better.","start":1404.525,"end":1407.985,"sentiment":"neutral","sentiment_score":0.25397485370437306},{"text":"So the capital gains tax on what I have recommended will be about 654.","start":1408.285,"end":1415.3451,"sentiment":"neutral","sentiment_score":0.0986573166613068},{"text":"Okay?","start":1415.645,"end":1416.145,"sentiment":"neutral","sentiment_score":0.06239416822791099}],"sentiment":"neutral","sentiment_score":0.16951907760110393,"num_words":58,"start":1393.99,"end":1416.145},{"sentences":[{"text":"Yep.","start":1417.5,"end":1418.0,"sentiment":"neutral","sentiment_score":0.07085524499416351},{"text":"Now you can see here the total cost of this recommendation.","start":1418.4601,"end":1422.16,"sentiment":"neutral","sentiment_score":0.0700809122486548},{"text":"So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper.","start":1423.1001,"end":1432.1649,"sentiment":"neutral","sentiment_score":0.2836199748900629},{"text":"So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost.","start":1432.625,"end":1440.48,"sentiment":"positive","sentiment_score":0.39888508915901183},{"text":"Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the changes.","start":1441.44,"end":1452.4199,"sentiment":"neutral","sentiment_score":0.19129140133207495}],"sentiment":"neutral","sentiment_score":0.25670678957420234,"num_words":85,"start":1417.5,"end":1452.4199},{"sentences":[{"text":"Now we've also just made some changes to our coupling fees as well, which these so before, it was obviously, 1.65 was your ongoing advice fee from superannuation.","start":1453.2,"end":1468.865,"sentiment":"neutral","sentiment_score":0.15902894282979624},{"text":"But because both you and your partner is a client, we have reduced that to make it cheaper for you.","start":1470.5,"end":1480.36,"sentiment":"neutral","sentiment_score":0.27748177871108054},{"text":"So that is reduced to 1.1%.","start":1480.5,"end":1484.12,"sentiment":"neutral","sentiment_score":0.2872559279203415},{"text":"So that's also why you see the adviser service fee in this table being a little bit cheaper.","start":1486.295,"end":1492.9551,"sentiment":"neutral","sentiment_score":0.28895387384626603},{"text":"So it's reducing it by about 464.","start":1493.895,"end":1496.775,"sentiment":"neutral","sentiment_score":0.14760862929480417}],"sentiment":"neutral","sentiment_score":0.22734698323132116,"num_words":79,"start":1453.2,"end":1496.775},{"sentences":[{"text":"Does that all make sense so far?","start":1496.775,"end":1498.475,"sentiment":"neutral","sentiment_score":0.15206651389598846},{"text":"Perfect.","start":1499.97,"end":1500.47,"sentiment":"positive","sentiment_score":0.4195558726787567},{"text":"Now, again, obviously, Hub 24 is a little bit more expensive than Vanguard, but it's mainly in regards to the sophistication of the platform, but mainly in regards to what it allows us to do with your investment.","start":1501.01,"end":1516.915,"sentiment":"neutral","sentiment_score":0.15007300763145873},{"text":"So we obviously have to factor in what if it's more expensive is can we do more with the return so that at the end of it, so after fees and everything, are you in a better position?","start":1517.695,"end":1529.88,"sentiment":"neutral","sentiment_score":0.13221537292395769},{"text":"So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%.","start":1530.74,"end":1541.9149,"sentiment":"neutral","sentiment_score":0.27580447793006896}],"sentiment":"neutral","sentiment_score":0.17045259124671036,"num_words":104,"start":1496.775,"end":1541.9149},{"sentences":[{"text":"So, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA.","start":1542.615,"end":1551.995,"sentiment":"positive","sentiment_score":0.40175879908644635},{"text":"Mhmm.","start":1554.47,"end":1554.97,"sentiment":"neutral","sentiment_score":0.06396596133708954},{"text":"Can you see that?","start":1555.19,"end":1556.25,"sentiment":"neutral","sentiment_score":0.05248341243714094},{"text":"Yeah.","start":1557.83,"end":1558.33,"sentiment":"neutral","sentiment_score":0.09680598974227904},{"text":"Now I have used the same projection forward so you can see it more in, like, the dollar value, which is page 16.","start":1558.87,"end":1566.49,"sentiment":"neutral","sentiment_score":0.10309083047120468}],"sentiment":"neutral","sentiment_score":0.23042782847411358,"num_words":52,"start":1542.615,"end":1566.49},{"sentences":[{"text":"Can you see that?","start":1567.0299,"end":1568.1699,"sentiment":"neutral","sentiment_score":0.05194365978240967},{"text":"So one page down.","start":1569.275,"end":1570.655,"sentiment":"neutral","sentiment_score":0.042450787499547005},{"text":"So just the next page from what we were just looking, it should say projected.","start":1575.115,"end":1579.695,"sentiment":"neutral","sentiment_score":0.09665973956386248},{"text":"Yep.","start":1579.835,"end":1580.235,"sentiment":"neutral","sentiment_score":0.23044690489768985},{"text":"Perfect.","start":1580.235,"end":1580.735,"sentiment":"positive","sentiment_score":0.4174913763999939}],"sentiment":"neutral","sentiment_score":0.0990164865553379,"num_words":25,"start":1567.0299,"end":1580.735},{"sentences":[{"text":"So, again, same time frame, five and ten years so that you can see, obviously, after advised fees, after platform, have 24 fees and return, what you are projected to be on track to have.","start":1580.875,"end":1596.71,"sentiment":"neutral","sentiment_score":0.23630077455724988},{"text":"So when I kinda factored in the returns and the fees and everything, staying in Hub twenty four and changing the investment was putting you in a better position than switching it to Vanguard from your super retirement perspective.","start":1598.0751,"end":1616.39,"sentiment":"positive","sentiment_score":0.34954065008041185},{"text":"So, therefore, I have recommended that option for you.","start":1617.17,"end":1620.23,"sentiment":"positive","sentiment_score":0.47359907295968795},{"text":"Now at the end of the day, it is completely up to you.","start":1620.37,"end":1623.51,"sentiment":"neutral","sentiment_score":0.3274319836726555},{"text":"But doing all this research that was, at the moment, anyway, the the best option for you.","start":1624.37,"end":1631.335,"sentiment":"neutral","sentiment_score":0.3239164685501772}],"sentiment":"neutral","sentiment_score":0.3179486714369428,"num_words":113,"start":1580.875,"end":1631.335},{"sentences":[{"text":"Now, obviously, staying on as a client, you would still get access through, obviously, not just your superannuation and portfolio management, all their ongoing services as well.","start":1631.635,"end":1642.54,"sentiment":"neutral","sentiment_score":0.2763504336277644},{"text":"But at least this gives you a bit of a comparison between the options that you were looking at, which hopefully will make it a bit easier for you.","start":1643.64,"end":1650.135,"sentiment":"neutral","sentiment_score":0.3186183150472312},{"text":"Yeah.","start":1658.6951,"end":1659.1951,"sentiment":"neutral","sentiment_score":0.22128933668136597},{"text":"Yeah.","start":1659.335,"end":1659.835,"sentiment":"neutral","sentiment_score":0.08949141204357147},{"text":"Mhmm.","start":1669.27,"end":1669.77,"sentiment":"neutral","sentiment_score":-0.0549163781106472}],"sentiment":"neutral","sentiment_score":0.2874111392361633,"num_words":59,"start":1631.635,"end":1669.77},{"sentences":[{"text":"Yep.","start":1673.1901,"end":1673.6901,"sentiment":"neutral","sentiment_score":-0.02817525528371334},{"text":"Yep.","start":1683.285,"end":1683.685,"sentiment":"neutral","sentiment_score":0.02487127296626568},{"text":"Yep.","start":1683.685,"end":1684.185,"sentiment":"neutral","sentiment_score":0.016842059791088104},{"text":"Mhmm.","start":1688.5801,"end":1689.0801,"sentiment":"neutral","sentiment_score":-0.015148766338825226},{"text":"Mhmm.","start":1697.2201,"end":1697.62,"sentiment":"neutral","sentiment_score":-0.027812644839286804}],"sentiment":"neutral","sentiment_score":-0.0058846667408943175,"num_words":5,"start":1673.1901,"end":1697.62},{"sentences":[{"text":"Mhmm.","start":1697.62,"end":1698.12,"sentiment":"neutral","sentiment_score":-0.018037080764770508},{"text":"Yeah.","start":1712.31,"end":1712.81,"sentiment":"neutral","sentiment_score":-0.0529671311378479},{"text":"So What's happening?","start":1717.03,"end":1725.305,"sentiment":"neutral","sentiment_score":-0.20714314778645834},{"text":"Yeah.","start":1725.685,"end":1726.185,"sentiment":"neutral","sentiment_score":-0.1951214075088501},{"text":"I so on the report where it says income, that would be income generated on your investments.","start":1726.645,"end":1735.145,"sentiment":"neutral","sentiment_score":-0.08256095779292724}],"sentiment":"neutral","sentiment_score":-0.09961266718480898,"num_words":23,"start":1697.62,"end":1735.145},{"sentences":[{"text":"So that will be, like, dividends and stuff like that.","start":1735.365,"end":1738.025,"sentiment":"neutral","sentiment_score":-0.018669451773166656},{"text":"So that would be what your money what your investments have paid into your service.","start":1738.78,"end":1744.3,"sentiment":"neutral","sentiment_score":-0.00495774249235789},{"text":"So that's just the the dividends paid on your investment.","start":1744.3,"end":1746.88,"sentiment":"neutral","sentiment_score":0.048118908703327176},{"text":"You also have, obviously, your investment growth.","start":1747.34,"end":1750.16,"sentiment":"neutral","sentiment_score":0.05053418129682541},{"text":"So it is a little bit different that income alone where it says on those reports doesn't tell you how your super balance have changed because that is just the income earned on your investment.","start":1750.9401,"end":1765.8049,"sentiment":"neutral","sentiment_score":-0.08066819874303681}],"sentiment":"neutral","sentiment_score":-0.029214535779380178,"num_words":77,"start":1735.365,"end":1765.8049},{"sentences":[{"text":"So does that make sense?","start":1768.36,"end":1770.22,"sentiment":"neutral","sentiment_score":0.011638450622558593},{"text":"Correct.","start":1786.135,"end":1786.635,"sentiment":"neutral","sentiment_score":0.022712741047143936},{"text":"Correct.","start":1787.495,"end":1787.995,"sentiment":"neutral","sentiment_score":0.05932256579399109},{"text":"So that is income in the period.","start":1788.0549,"end":1790.075,"sentiment":"neutral","sentiment_score":0.049659281969070435},{"text":"So do you know do you know what I will do?","start":1790.695,"end":1793.355,"sentiment":"neutral","sentiment_score":0.01514452433382923}],"sentiment":"neutral","sentiment_score":0.026177292056381703,"num_words":25,"start":1768.36,"end":1793.355},{"sentences":[{"text":"Let me see here.","start":1795.97,"end":1797.2699,"sentiment":"neutral","sentiment_score":-0.006966998800635338},{"text":"Mhmm.","start":1803.8899,"end":1804.3899,"sentiment":"neutral","sentiment_score":-0.07285119593143463},{"text":"No worries.","start":1810.065,"end":1810.725,"sentiment":"neutral","sentiment_score":-0.05287200212478638},{"text":"I know what you mean, but on the report so in if I just do it twelve months, so what I'm do okay.","start":1811.265,"end":1818.7849,"sentiment":"neutral","sentiment_score":0.02147116503961708},{"text":"What I'll do is I'll send you this one right now, the one I'm looking at.","start":1818.7849,"end":1822.14,"sentiment":"neutral","sentiment_score":0.08874118002131581}],"sentiment":"neutral","sentiment_score":0.037113749584102115,"num_words":46,"start":1795.97,"end":1822.14},{"sentences":[{"text":"Just bear with me.","start":1822.22,"end":1823.1,"sentiment":"neutral","sentiment_score":0.044608340598642826},{"text":"Let me save that because that makes more that makes sense because then I'm just doing a twelve month twelve month report from right now until this time last year so that you can see and then it makes probably more sense of what I'm talking about as well.","start":1823.1,"end":1838.9451,"sentiment":"neutral","sentiment_score":0.17609454721820597},{"text":"Let me just save this and email this to you again.","start":1838.9451,"end":1842.165,"sentiment":"neutral","sentiment_score":0.13869034227999774},{"text":"Okay.","start":1850.24,"end":1850.74,"sentiment":"neutral","sentiment_score":0.08224993199110031},{"text":"Okay.","start":1887.965,"end":1888.445,"sentiment":"neutral","sentiment_score":0.07706955075263977}],"sentiment":"neutral","sentiment_score":0.15896938521076331,"num_words":66,"start":1822.22,"end":1888.445},{"sentences":[{"text":"I have just sent that to you in an email again, which is, yeah, twelve twelve months.","start":1888.445,"end":1897.52,"sentiment":"neutral","sentiment_score":0.05299134744221673},{"text":"Sorry.","start":1899.5,"end":1899.9,"sentiment":"neutral","sentiment_score":-0.05911857634782791},{"text":"Let me know when that one comes through.","start":1899.9,"end":1901.6799,"sentiment":"neutral","sentiment_score":-0.03488792362622917},{"text":"That came through?","start":1903.58,"end":1904.64,"sentiment":"neutral","sentiment_score":-0.0912484700481097},{"text":"Oh, not yet.","start":1905.82,"end":1906.7,"sentiment":"neutral","sentiment_score":-0.08427539219458897}],"sentiment":"neutral","sentiment_score":0.0011268548259977251,"num_words":32,"start":1888.445,"end":1906.7},{"sentences":[{"text":"Okay.","start":1906.7,"end":1907.2,"sentiment":"neutral","sentiment_score":-0.007540526799857616},{"text":"Let me see here.","start":1908.0599,"end":1909.1799,"sentiment":"neutral","sentiment_score":0.016943839145824313},{"text":"It says it's just a Perfect.","start":1909.1799,"end":1911.845,"sentiment":"neutral","sentiment_score":0.10499046587695678},{"text":"Sorry.","start":1914.625,"end":1915.025,"sentiment":"neutral","sentiment_score":0.0028520189225673676},{"text":"If you can open this for me.","start":1915.025,"end":1916.645,"sentiment":"neutral","sentiment_score":0.0285358333161899}],"sentiment":"neutral","sentiment_score":0.046988446167425105,"num_words":19,"start":1906.7,"end":1916.645},{"sentences":[{"text":"Yep.","start":1917.425,"end":1917.925,"sentiment":"neutral","sentiment_score":0.08984358608722687},{"text":"Correct.","start":1918.625,"end":1919.125,"sentiment":"neutral","sentiment_score":0.14039170742034912},{"text":"Yes.","start":1919.185,"end":1919.665,"sentiment":"neutral","sentiment_score":0.1271369308233261},{"text":"Now this shows you your current situation.","start":1919.665,"end":1921.585,"sentiment":"neutral","sentiment_score":0.10910126034702573},{"text":"So obviously, not what I have recommended, but currently.","start":1921.585,"end":1923.845,"sentiment":"neutral","sentiment_score":-0.060070899625619255}],"sentiment":"neutral","sentiment_score":0.03054962895418468,"num_words":19,"start":1917.425,"end":1923.845},{"sentences":[{"text":"Now what you can see here is all your investments.","start":1924.55,"end":1929.9299,"sentiment":"neutral","sentiment_score":0.09646243378520011},{"text":"What you can also see is where it says internal rate of return.","start":1930.95,"end":1936.47,"sentiment":"neutral","sentiment_score":0.05854719332777537},{"text":"So the second column to the right, can you see that?","start":1936.47,"end":1939.77,"sentiment":"neutral","sentiment_score":0.059943040663545784},{"text":"Yep.","start":1942.4951,"end":1942.9951,"sentiment":"neutral","sentiment_score":0.23262181878089905},{"text":"Now that is how each of your investments have performed over the last twelve months after fees.","start":1943.055,"end":1951.2351,"sentiment":"neutral","sentiment_score":0.28441963826908784}],"sentiment":"neutral","sentiment_score":0.14332436476475918,"num_words":52,"start":1924.55,"end":1951.2351},{"sentences":[{"text":"Now the one in bracket has been down.","start":1951.775,"end":1956.8,"sentiment":"positive","sentiment_score":0.33464662730693817},{"text":"Everything else is positive.","start":1957.18,"end":1959.04,"sentiment":"positive","sentiment_score":0.4570721164345741},{"text":"So if you scroll through the second page of this document, you will say total portfolio.","start":1961.02,"end":1967.84,"sentiment":"neutral","sentiment_score":0.20515461545437574},{"text":"Yeah.","start":1970.1549,"end":1970.475,"sentiment":"neutral","sentiment_score":0.13544407486915588},{"text":"So this is the the one that's the most kind of when we are talking.","start":1970.475,"end":1974.955,"sentiment":"neutral","sentiment_score":0.13468742792805036}],"sentiment":"neutral","sentiment_score":0.22599297330122103,"num_words":44,"start":1951.775,"end":1974.955},{"sentences":[{"text":"So you can see here the market value at the start of the period.","start":1974.955,"end":1978.075,"sentiment":"neutral","sentiment_score":0.11850578391126224},{"text":"In the start of the twelve months, your super balance was at $6,067,740 and 14¢.","start":1978.075,"end":1985.36,"sentiment":"neutral","sentiment_score":0.11632736931954112},{"text":"At the end of the twelve months, the after fees and everything, your super was at 81,918.","start":1986.86,"end":1995.76,"sentiment":"neutral","sentiment_score":0.10681776373701937},{"text":"You can see here that it did go up quite a bit, more than that thousand dollars.","start":1996.165,"end":2000.345,"sentiment":"positive","sentiment_score":0.4176618965233074},{"text":"You can see your income in the period, so that was income paid into your superannuation from your investment was 1,924.","start":2000.645,"end":2010.105,"sentiment":"neutral","sentiment_score":0.2810658315817515}],"sentiment":"neutral","sentiment_score":0.2181469979864287,"num_words":84,"start":1974.955,"end":2010.105},{"sentences":[{"text":"And you can also see growth in the period, so just the investment growth was 10 thousand 604.","start":2010.37,"end":2018.1499,"sentiment":"neutral","sentiment_score":0.2778465367025799},{"text":"Total earnings was 12,531.","start":2018.61,"end":2022.63,"sentiment":"neutral","sentiment_score":0.06366193294525146},{"text":"The internal rate of return, again, second column to the right, is everything net of fee.","start":2023.605,"end":2030.025,"sentiment":"neutral","sentiment_score":0.09321274212561548},{"text":"So this is how your portfolio did in the last twelve months after all fees came out of your account.","start":2030.5651,"end":2037.61,"sentiment":"neutral","sentiment_score":0.14007774125784636},{"text":"And it was still, obviously, with the last twelve months that we have seen a lot of fluctuations in everything going on in The US and then, obviously, the war and everything.","start":2037.9099,"end":2047.5099,"sentiment":"neutral","sentiment_score":-0.11153317370917648}],"sentiment":"neutral","sentiment_score":0.06644202814333969,"num_words":90,"start":2010.37,"end":2047.5099},{"sentences":[{"text":"So we have seen a lot of market fluctuations the last twelve months.","start":2047.5099,"end":2050.935,"sentiment":"neutral","sentiment_score":-0.12325080197591048},{"text":"Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%.","start":2051.495,"end":2060.635,"sentiment":"neutral","sentiment_score":0.15470525368370794},{"text":"Not not from that amount.","start":2077.5251,"end":2079.205,"sentiment":"neutral","sentiment_score":-0.05833956375718117},{"text":"The total withdrawals that came out of your account for the last twelve months, so insurances, adviser fees when you came on board and everything was 3,862 in 17.","start":2079.205,"end":2092.62,"sentiment":"neutral","sentiment_score":0.00017819768781292023},{"text":"So that is the withdrawal from the account, but that can also be a tax and other things.","start":2092.6802,"end":2096.3801,"sentiment":"neutral","sentiment_score":-0.04188871787240108}],"sentiment":"neutral","sentiment_score":0.008744001698990663,"num_words":87,"start":2047.5099,"end":2096.3801},{"sentences":[{"text":"That is everything that was deducted from your account.","start":2096.6,"end":2099.5,"sentiment":"neutral","sentiment_score":-0.04001826751563284},{"text":"So that is separate.","start":2099.8801,"end":2101.02,"sentiment":"neutral","sentiment_score":-0.09379603713750839},{"text":"So that's not the growth that's separate to it.","start":2101.08,"end":2104.62,"sentiment":"neutral","sentiment_score":-0.15128227074941},{"text":"That's not part.","start":2104.9148,"end":2105.795,"sentiment":"neutral","sentiment_score":-0.20015713572502136},{"text":"That's just what you made there and then the the withdrawals.","start":2105.795,"end":2110.6948,"sentiment":"neutral","sentiment_score":-0.06634422696449539}],"sentiment":"neutral","sentiment_score":-0.09519852490888701,"num_words":36,"start":2096.6,"end":2110.6948},{"sentences":[{"text":"So which is why when you add the deposits to the account and the withdrawals and the growth, that's when you have the value difference of 67,740 versus 81,918.","start":2111.075,"end":2126.74,"sentiment":"neutral","sentiment_score":0.012337184888471303},{"text":"So it's not really out of that amount because that's separate.","start":2146.91,"end":2149.97,"sentiment":"neutral","sentiment_score":0.09434166618368843},{"text":"So how your superannuation grew, that was the total amount.","start":2150.3499,"end":2155.63,"sentiment":"positive","sentiment_score":0.33462437689304353},{"text":"And then on top of that, obviously, your super grew by the 12,500 and but if you want me to just quickly do the difference, I can calculate that for you.","start":2155.63,"end":2167.675,"sentiment":"neutral","sentiment_score":0.20418252771900547},{"text":"That $1.49 $3.08 $6.02 17.","start":2168.935,"end":2175.16,"sentiment":"neutral","sentiment_score":0.09266642481088638}],"sentiment":"neutral","sentiment_score":0.1341252435123288,"num_words":86,"start":2111.075,"end":2175.16},{"sentences":[{"text":"It's a positive 8,669 and 32¢.","start":2176.3398,"end":2181.96,"sentiment":"positive","sentiment_score":0.3625438392162323},{"text":"Yep.","start":2189.475,"end":2189.975,"sentiment":"neutral","sentiment_score":0.04156146198511124},{"text":"It won't be annually that fee for you because we have changed things.","start":2196.61,"end":2201.89,"sentiment":"neutral","sentiment_score":-0.06938630929933144},{"text":"So for the first year, it tends to be more expensive because you obviously have ongoing advice fee and up front and everything like that.","start":2201.89,"end":2209.975,"sentiment":"neutral","sentiment_score":-0.12889298886060715},{"text":"So the first year tends to be a little bit more of everything.","start":2209.975,"end":2213.035,"sentiment":"neutral","sentiment_score":0.017122424565828763}],"sentiment":"neutral","sentiment_score":-0.03592060640323581,"num_words":58,"start":2176.3398,"end":2213.035},{"sentences":[{"text":"But from your what you are paying and what you are getting in your investments, it's definitely competitive.","start":2213.895,"end":2221.355,"sentiment":"positive","sentiment_score":0.5400864349471198},{"text":"Now even with our adviser fee, it's quite competitive in the market, what's out there.","start":2222.65,"end":2228.99,"sentiment":"positive","sentiment_score":0.4779837727546692},{"text":"You might have some that's charging a lot more, and you may have some that's charging a little bit less.","start":2229.05,"end":2233.785,"sentiment":"neutral","sentiment_score":0.05302762035280466},{"text":"But with the coupling fees that we have reduced it to at the moment, at 1.1 ongoing, it is very competitive of the market.","start":2234.345,"end":2242.9248,"sentiment":"positive","sentiment_score":0.4701114719112714},{"text":"Now if I looked at the fees, because I'm not tied like, we we are a holistic firm, so we're not tied to one hub twenty four or any style of investment.","start":2243.4648,"end":2254.22,"sentiment":"neutral","sentiment_score":0.15604050597175956}],"sentiment":"neutral","sentiment_score":0.31401684719624867,"num_words":109,"start":2213.895,"end":2254.22},{"sentences":[{"text":"We can choose a lot of different options.","start":2254.22,"end":2256.22,"sentiment":"neutral","sentiment_score":0.320364760234952},{"text":"We have hundreds and hundreds of different options that we can choose from, whichever is going to be the best for you.","start":2256.22,"end":2261.325,"sentiment":"neutral","sentiment_score":0.3164587681266395},{"text":"So if I factored in the fees and I did the research and the fees showed that is too much for what you are getting at the end of it from a return on your investment, I would recommend that we change it through something cheaper like Vanguard.","start":2261.7249,"end":2279.22,"sentiment":"neutral","sentiment_score":-0.3025408021251981},{"text":"But if by changing it to Vanguard, you're not gonna get the same growth on your investment.","start":2280.24,"end":2285.94,"sentiment":"negative","sentiment_score":-0.47022465397329893},{"text":"So when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you have in your superannuation?","start":2287.0398,"end":2305.375,"sentiment":"neutral","sentiment_score":0.26655228539954784}],"sentiment":"neutral","sentiment_score":-0.011079843237024286,"num_words":138,"start":2254.22,"end":2305.375},{"sentences":[{"text":"After fee, it showed that hub twenty four, even though it's a little bit more expensive than, let's say, Vanguard, it was still gonna, at the end of it, put you in a better position and ensure that you have more money even though it's a little bit more expensive.","start":2306.87,"end":2324.085,"sentiment":"neutral","sentiment_score":0.06915473833680152},{"text":"But on a platform point of view, it is still fairly competitive.","start":2324.945,"end":2329.605,"sentiment":"neutral","sentiment_score":0.12834263561914364},{"text":"Now I use Hub twenty four personally for my superannuation as well.","start":2329.825,"end":2335.69,"sentiment":"neutral","sentiment_score":0.23102124532063803},{"text":"And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself.","start":2336.3098,"end":2347.0498,"sentiment":"negative","sentiment_score":-0.44718850076925465},{"text":"Correct.","start":2364.43,"end":2364.93,"sentiment":"neutral","sentiment_score":0.22125130891799927}],"sentiment":"neutral","sentiment_score":-0.08916701495262055,"num_words":116,"start":2306.87,"end":2364.93},{"sentences":[{"text":"Yes.","start":2364.99,"end":2365.39,"sentiment":"neutral","sentiment_score":0.23375606536865232},{"text":"That is my recommendation.","start":2365.39,"end":2366.6099,"sentiment":"neutral","sentiment_score":0.21335939317941666},{"text":"And that's not to say that that's always going to be the choice because the good thing would have what we want to do, obviously, with your annual reviews is we always wanna reassess.","start":2367.23,"end":2376.4849,"sentiment":"neutral","sentiment_score":0.24109719584093375},{"text":"So right now, that is, in my recommendation, what's going to put you in the best decision and what I suggest.","start":2376.545,"end":2382.7249,"sentiment":"positive","sentiment_score":0.34639607015110196},{"text":"But that's not to say that's always going to be the choice.","start":2383.345,"end":2386.005,"sentiment":"neutral","sentiment_score":0.030520631388450663}],"sentiment":"neutral","sentiment_score":0.23507032425711966,"num_words":72,"start":2364.99,"end":2386.005},{"sentences":[{"text":"If in, let's say, two years or next annual review, I go and do research again and it shows, well, well, right now, maybe, let's say, Vanguard have changed their product or have changed their fees or Hub24 have increased their fees or whatever it might be, we can always then move you to wherever you need what's going to be the best for you.","start":2386.2249,"end":2405.235,"sentiment":"neutral","sentiment_score":0.21080092621537355},{"text":"So the good thing with the, you know, the holistic and ongoing support is that at any point in time, if it's going to be better for you, we can change it.","start":2405.5552,"end":2415.495,"sentiment":"positive","sentiment_score":0.5812047434155829},{"text":"So at a minimum, under review is where it's a really good touch point of where we can reassess things for you because we can go and do but we can do that at any point.","start":2415.635,"end":2425.1,"sentiment":"positive","sentiment_score":0.392440943668286},{"text":"So if you call me in three months or six months and you go, you know what?","start":2425.1,"end":2429.52,"sentiment":"neutral","sentiment_score":0.07955197135315221},{"text":"I'm still not sure.","start":2429.9,"end":2431.28,"sentiment":"neutral","sentiment_score":-0.17389054596424103}],"sentiment":"neutral","sentiment_score":0.305748748665603,"num_words":154,"start":2386.2249,"end":2431.28},{"sentences":[{"text":"Can I do some more research on these things?","start":2431.5051,"end":2433.745,"sentiment":"neutral","sentiment_score":-0.02667697063750691},{"text":"We can do this all part of the service.","start":2433.745,"end":2435.605,"sentiment":"neutral","sentiment_score":0.23490230242411295},{"text":"We can do that.","start":2436.225,"end":2436.945,"sentiment":"neutral","sentiment_score":0.3110393360257149},{"text":"We can change it whenever you want to.","start":2436.945,"end":2439.0251,"sentiment":"neutral","sentiment_score":0.25037602707743645},{"text":"And like I said, what is there that could be in, let's say, three years, that could be a new superannuation fund that maybe opens up that's even cheaper, that has so many investment choices.","start":2439.0251,"end":2449.16,"sentiment":"neutral","sentiment_score":0.2261083077107157}],"sentiment":"neutral","sentiment_score":0.200538220256567,"num_words":65,"start":2431.5051,"end":2449.16},{"sentences":[{"text":"If that's better for you, then I will do the research.","start":2449.16,"end":2452.1199,"sentiment":"positive","sentiment_score":0.4208644140850414},{"text":"And if it's cheaper and have good returns, then we can recommend that for you.","start":2452.1199,"end":2456.7,"sentiment":"positive","sentiment_score":0.5746482988198598},{"text":"So it's not to say that it's going to be this.","start":2456.84,"end":2460.14,"sentiment":"neutral","sentiment_score":0.008847538043152203},{"text":"You know?","start":2460.405,"end":2460.645,"sentiment":"neutral","sentiment_score":0.01724028680473566},{"text":"Because as your super balance grow, they you know, fees and stuff like that, it's important to always reassess it.","start":2460.645,"end":2467.7852,"sentiment":"neutral","sentiment_score":0.04955419339239597}],"sentiment":"neutral","sentiment_score":0.24359526096890538,"num_words":59,"start":2449.16,"end":2467.7852},{"sentences":[{"text":"Because, also, your situation and your life will change.","start":2468.0051,"end":2470.725,"sentiment":"neutral","sentiment_score":0.04766632906264729},{"text":"You know?","start":2470.725,"end":2471.385,"sentiment":"neutral","sentiment_score":0.014123961329460144},{"text":"You might decide to, you know, go back to work, or that might change some contributions, or you might decide, you know what?","start":2471.605,"end":2479.4202,"sentiment":"neutral","sentiment_score":-0.011527493515092394},{"text":"I, you know, don't wanna make any contributions to super for a while.","start":2479.4202,"end":2483.02,"sentiment":"neutral","sentiment_score":-0.1600349172949791},{"text":"That's okay.","start":2483.02,"end":2483.84,"sentiment":"neutral","sentiment_score":0.014780828263610603}],"sentiment":"neutral","sentiment_score":-0.03793428030473237,"num_words":49,"start":2468.0051,"end":2483.84},{"sentences":[{"text":"Or you, you know, move somewhere.","start":2484.22,"end":2487.295,"sentiment":"neutral","sentiment_score":-0.006462881341576576},{"text":"Like, it's always evolving around your life situation as well and what happens to you.","start":2487.355,"end":2493.9348,"sentiment":"neutral","sentiment_score":0.00970765029390653},{"text":"Yeah.","start":2509.865,"end":2510.365,"sentiment":"neutral","sentiment_score":0.03159447759389877},{"text":"I'd yeah.","start":2511.4648,"end":2514.845,"sentiment":"neutral","sentiment_score":0.05805082991719246},{"text":"Mhmm.","start":2516.9849,"end":2517.4849,"sentiment":"neutral","sentiment_score":0.06541529297828674}],"sentiment":"neutral","sentiment_score":0.012797955870628357,"num_words":25,"start":2484.22,"end":2517.4849},{"sentences":[{"text":"Yeah.","start":2529.9602,"end":2530.4602,"sentiment":"neutral","sentiment_score":0.03877393528819084},{"text":"That's a very good question.","start":2530.84,"end":2532.3,"sentiment":"neutral","sentiment_score":0.15392065942287445},{"text":"Sorry.","start":2532.36,"end":2532.6802,"sentiment":"neutral","sentiment_score":-0.030723653733730316},{"text":"If you can go back into the e the document that had all the tables and everything, the other one, if you can go back into that one for me.","start":2532.6802,"end":2541.7349,"sentiment":"neutral","sentiment_score":0.004837277097006639},{"text":"Now the investments is on yeah.","start":2541.9548,"end":2547.255,"sentiment":"neutral","sentiment_score":0.04540614504367113}],"sentiment":"neutral","sentiment_score":0.027795552600954853,"num_words":43,"start":2529.9602,"end":2547.255},{"sentences":[{"text":"Oh, great.","start":2547.4749,"end":2547.9548,"sentiment":"positive","sentiment_score":0.7231403589248657},{"text":"Perfect.","start":2547.9548,"end":2548.4348,"sentiment":"positive","sentiment_score":0.7866034507751465},{"text":"Perfect.","start":2548.4348,"end":2548.835,"sentiment":"positive","sentiment_score":0.6687945127487183},{"text":"Yes.","start":2548.835,"end":2549.155,"sentiment":"neutral","sentiment_score":0.26727980375289917},{"text":"Page 13.","start":2549.155,"end":2549.9749,"sentiment":"neutral","sentiment_score":0.06809203140437603}],"sentiment":"positive","sentiment_score":0.47216322113360676,"num_words":7,"start":2547.4749,"end":2549.9749},{"sentences":[{"text":"Now what I have done as well is in the appendix, which is in my email as well, which I'll let you have a read over in your own time, it's a sec that's where research goes.","start":2550.23,"end":2559.6099,"sentiment":"neutral","sentiment_score":0.059391553790585416},{"text":"So what I have done is so that you can go, if you would like, to do your own research on the investment, I have included links.","start":2559.67,"end":2566.9949,"sentiment":"neutral","sentiment_score":0.05792256016974096},{"text":"So investment links.","start":2566.9949,"end":2568.835,"sentiment":"neutral","sentiment_score":0.01676010899245739},{"text":"So what we have recommended, there is attachments to each and every single one of them so that you can also go and have a read over it, and it's full transparency of what they are.","start":2568.835,"end":2579.4,"sentiment":"neutral","sentiment_score":0.052428759168833494},{"text":"But, essentially, from a little summary point of view, if you're on page 13, you can see investment name.","start":2579.64,"end":2585.98,"sentiment":"neutral","sentiment_score":0.029275425856834965}],"sentiment":"neutral","sentiment_score":0.051273322648933674,"num_words":122,"start":2550.23,"end":2585.98},{"sentences":[{"text":"That's what they are called.","start":2586.2798,"end":2587.5798,"sentiment":"neutral","sentiment_score":0.020754757896065713},{"text":"Now you can see your current rate allocation, so how much is in each option, then what the balance is equating to that.","start":2588.0398,"end":2596.375,"sentiment":"neutral","sentiment_score":0.032883793520538704},{"text":"The buy and sell column.","start":2596.515,"end":2598.055,"sentiment":"neutral","sentiment_score":0.019380464404821395},{"text":"So red is what we are selling.","start":2598.115,"end":2600.055,"sentiment":"neutral","sentiment_score":0.0117347708770207},{"text":"Black is what we are buying.","start":2600.435,"end":2601.975,"sentiment":"neutral","sentiment_score":0.01001508953049779}],"sentiment":"neutral","sentiment_score":0.023896462952151247,"num_words":46,"start":2586.2798,"end":2601.975},{"sentences":[{"text":"The target weight, you can then see what we are aiming for in terms of a percentage of this superannuation.","start":2602.515,"end":2607.895,"sentiment":"neutral","sentiment_score":0.03210924742743373},{"text":"Now the one thing I do wanna say as well when it comes to the investment is that we have targeted that portfolio using kind of low cost ETF.","start":2609.1501,"end":2617.6501,"sentiment":"neutral","sentiment_score":0.02140416166391866},{"text":"So, Sandra, are you familiar with the different type of investments, like direct shares and ETFs or managed funds, or do you want me to quickly kind of explain the difference?","start":2618.4302,"end":2629.175,"sentiment":"neutral","sentiment_score":0.009738868162516625},{"text":"Yeah.","start":2631.7952,"end":2632.2751,"sentiment":"neutral","sentiment_score":0.022228732705116272},{"text":"Sure.","start":2632.2751,"end":2632.7751,"sentiment":"neutral","sentiment_score":0.1185486689209938}],"sentiment":"neutral","sentiment_score":0.020799853066663918,"num_words":82,"start":2602.515,"end":2632.7751},{"sentences":[{"text":"So to keep it very simple, let's say so a direct share is where you invest directly into one company.","start":2634.4,"end":2640.96,"sentiment":"neutral","sentiment_score":0.03040253892540932},{"text":"So all the money goes into one specific company.","start":2640.96,"end":2643.62,"sentiment":"neutral","sentiment_score":0.01834326692753368},{"text":"So let's say BHP, for example.","start":2644.08,"end":2646.58,"sentiment":"neutral","sentiment_score":-0.0033343511167913675},{"text":"So if you have a direct shares, you put all the money into just one company, BHP, everything is in one option.","start":2647.385,"end":2653.4849,"sentiment":"neutral","sentiment_score":-0.0030783046544952826},{"text":"We don't have any of direct shares in your portfolio because they can be really good, but they can obviously be a bit risky depending on what because everything goes in, so we haven't done that.","start":2653.7048,"end":2663.4001,"sentiment":"neutral","sentiment_score":-0.12565287575125694}],"sentiment":"neutral","sentiment_score":-0.04126980812138607,"num_words":93,"start":2634.4,"end":2663.4001},{"sentences":[{"text":"Now your other option is exchange traded funds, so we call them ETF for sure.","start":2663.7002,"end":2669.7202,"sentiment":"neutral","sentiment_score":0.07572059507171312},{"text":"Now what this is, which is what what your new portfolio is, so all of the investments that I have recommended are what we would call your ETFs, and they are low cost options.","start":2670.1,"end":2680.345,"sentiment":"neutral","sentiment_score":0.3016335775747019},{"text":"Now, for example, how they work is instead of having everything into one company, but let's say you want specific sectors or industries, this is where these come in handy.","start":2680.885,"end":2694.27,"sentiment":"neutral","sentiment_score":0.18781884809335073},{"text":"So for example, can you see the IVV iShares SMP 500?","start":2694.27,"end":2700.6099,"sentiment":"neutral","sentiment_score":0.09372027082876726},{"text":"Can you see that one?","start":2700.965,"end":2702.165,"sentiment":"neutral","sentiment_score":0.05883466824889183}],"sentiment":"neutral","sentiment_score":0.19316855080817874,"num_words":95,"start":2663.7002,"end":2702.165},{"sentences":[{"text":"Yep.","start":2702.165,"end":2702.665,"sentiment":"neutral","sentiment_score":0.15591669082641602},{"text":"So this is this is a good example because in that one investment so you can see even though there's 30% into this one investment, this investment alone invests in 500 companies.","start":2703.125,"end":2716.025,"sentiment":"neutral","sentiment_score":0.2533856607042253},{"text":"So what you are invested in here is the 500 biggest companies listed in The US.","start":2717.51,"end":2724.17,"sentiment":"neutral","sentiment_score":0.24453544989228249},{"text":"So you will have companies like Apple and Microsoft and Amazon, which you would kind of, you know, use and see every day.","start":2724.8699,"end":2732.945,"sentiment":"neutral","sentiment_score":0.29726568641869916},{"text":"So the reason why this is the biggest holding is because it's very diversified because you obviously have 500 companies.","start":2733.405,"end":2740.7651,"sentiment":"positive","sentiment_score":0.4089758574962616}],"sentiment":"neutral","sentiment_score":0.29558101053471153,"num_words":92,"start":2702.165,"end":2740.7651},{"sentences":[{"text":"So if one thing happened to one company, it wouldn't have as much of a difference than because it's very spread out for you.","start":2740.7651,"end":2749.1902,"sentiment":"neutral","sentiment_score":0.1878659768650929},{"text":"So and it's The US market is doing really well.","start":2749.33,"end":2754.3901,"sentiment":"neutral","sentiment_score":0.1900598645210266},{"text":"It can fluctuate a little bit, but but it's done really well historically.","start":2754.53,"end":2757.8901,"sentiment":"neutral","sentiment_score":0.2109879874266111},{"text":"So that's why it's 30% in this month.","start":2757.8901,"end":2760.135,"sentiment":"neutral","sentiment_score":0.24485706351697445},{"text":"So, obviously, not a bit more it's still a growth investment because you are for you're putting it in equity, but very diversified for you.","start":2760.695,"end":2769.435,"sentiment":"neutral","sentiment_score":0.27620953261852266}],"sentiment":"neutral","sentiment_score":0.22520400937646629,"num_words":80,"start":2740.7651,"end":2769.435},{"sentences":[{"text":"Now you then also have, for example, 8% versus iShares Europe.","start":2769.895,"end":2776.11,"sentiment":"neutral","sentiment_score":0.1363257345828143},{"text":"Can you see that?","start":2776.27,"end":2777.25,"sentiment":"neutral","sentiment_score":0.0636206641793251},{"text":"Yep.","start":2777.4702,"end":2777.9702,"sentiment":"neutral","sentiment_score":0.1514883190393448},{"text":"So this one here, again, invests in a range of different large companies in Europe.","start":2778.27,"end":2785.81,"sentiment":"neutral","sentiment_score":0.15859324236710867},{"text":"So we don't wanna put everything into one market.","start":2786.11,"end":2788.515,"sentiment":"neutral","sentiment_score":0.016464676294061873}],"sentiment":"neutral","sentiment_score":0.11081586945801973,"num_words":40,"start":2769.895,"end":2788.515},{"sentences":[{"text":"We don't want everything in The US or everything in Australia.","start":2788.515,"end":2791.1548,"sentiment":"neutral","sentiment_score":0.037117067724466324},{"text":"We wanna kind of diversify.","start":2791.1548,"end":2792.6948,"sentiment":"neutral","sentiment_score":0.2211179792881012},{"text":"So if anything happens to one market, not the whole portfolio will be affected.","start":2792.835,"end":2797.815,"sentiment":"neutral","sentiment_score":0.15144685975142888},{"text":"So this one kind of invest in your your large and midsize European companies.","start":2798.4348,"end":2805.34,"sentiment":"neutral","sentiment_score":0.1610618196427822},{"text":"So the majority of the companies are kind of in The UK, Germany, France, Switzerland.","start":2805.34,"end":2810.48,"sentiment":"neutral","sentiment_score":0.1145087738831838}],"sentiment":"neutral","sentiment_score":0.12892594510468386,"num_words":59,"start":2788.515,"end":2810.48},{"sentences":[{"text":"And some of the companies, like, the biggest ones you'll have is, like, Nestle and Novo Nordisk or AstraZeneca and Shell.","start":2813.26,"end":2820.675,"sentiment":"neutral","sentiment_score":0.11761071391048886},{"text":"So very diversified, but only about 8% in this one.","start":2821.375,"end":2824.915,"sentiment":"neutral","sentiment_score":0.22963565289974214},{"text":"You then have five percent in Japan.","start":2825.535,"end":2828.515,"sentiment":"neutral","sentiment_score":0.17165479702608927},{"text":"You can see that?","start":2828.975,"end":2830.035,"sentiment":"neutral","sentiment_score":0.1659906916320324},{"text":"Yep.","start":2830.82,"end":2831.32,"sentiment":"neutral","sentiment_score":0.24901944398880005}],"sentiment":"neutral","sentiment_score":0.1600173793213312,"num_words":43,"start":2813.26,"end":2831.32},{"sentences":[{"text":"And, again, it's not just into one investment.","start":2831.54,"end":2833.86,"sentiment":"neutral","sentiment_score":0.15301112085580826},{"text":"There's a range of lot of different investments into this option here for you to, again, give you the diversification, but it also means that it's a little bit cheaper.","start":2833.86,"end":2842.52,"sentiment":"positive","sentiment_score":0.4487346217036247},{"text":"Because how they typically work is that they just track and index.","start":2842.885,"end":2846.665,"sentiment":"neutral","sentiment_score":0.19947006553411484},{"text":"So with the iShares S and P 500, you are just tracking the 500 largest company.","start":2846.725,"end":2851.8452,"sentiment":"neutral","sentiment_score":0.24675777088850737},{"text":"So as a new company comes in and gets really big and grows, it'll get added to the list.","start":2851.8452,"end":2856.8699,"sentiment":"neutral","sentiment_score":0.3177805621373026}],"sentiment":"neutral","sentiment_score":0.3184202755198759,"num_words":85,"start":2831.54,"end":2856.8699},{"sentences":[{"text":"And as another one gets smaller, it falls out.","start":2856.8699,"end":2859.53,"sentiment":"neutral","sentiment_score":0.11795645124382442},{"text":"So you don't need as much of that active management, which is where the higher fees comes in because it's a bit more targeted to reducing those fees for you while still giving you the diversification.","start":2859.75,"end":2871.495,"sentiment":"neutral","sentiment_score":0.18705204936365286},{"text":"You then have, yeah, you then have 8% of the second one at the bottom versus Vanguard all well.","start":2873.075,"end":2879.555,"sentiment":"neutral","sentiment_score":0.17683189009365283},{"text":"So this is a Vanguard investment that we have included.","start":2879.555,"end":2882.7898,"sentiment":"neutral","sentiment_score":0.15046656355261803},{"text":"So in hub twenty four, you can have Vanguard investments as well.","start":2882.8499,"end":2886.23,"sentiment":"neutral","sentiment_score":0.12754019411901632}],"sentiment":"neutral","sentiment_score":0.16500506645371749,"num_words":86,"start":2856.8699,"end":2886.23},{"sentences":[{"text":"But this one here, investing companies all around the world, but it excludes The US because you already have exposure to The US in the other investment.","start":2887.01,"end":2895.99,"sentiment":"neutral","sentiment_score":0.019014335616871162},{"text":"So we don't wanna have too heavy in one section.","start":2896.365,"end":2899.025,"sentiment":"neutral","sentiment_score":-0.039676188677549365},{"text":"Okay?","start":2899.085,"end":2899.585,"sentiment":"neutral","sentiment_score":0.03633899241685867},{"text":"Yeah?","start":2900.925,"end":2901.425,"sentiment":"neutral","sentiment_score":0.04694979637861252},{"text":"And this one invest in, you know, in Asia and emerging markets, basically, all all kind of around the globe.","start":2902.125,"end":2908.29,"sentiment":"neutral","sentiment_score":0.11917214058339595}],"sentiment":"neutral","sentiment_score":0.0437857080566681,"num_words":59,"start":2887.01,"end":2908.29},{"sentences":[{"text":"But then we also wanna make sure you have a bit of exposure to Australia.","start":2908.53,"end":2911.83,"sentiment":"neutral","sentiment_score":0.09232085198163986},{"text":"So that is the bottom one at 20%, which is the beta shares Australia 200.","start":2911.97,"end":2916.95,"sentiment":"neutral","sentiment_score":0.10550294717152914},{"text":"Now I have included this one and swapped out that Benelong Australian equities.","start":2917.33,"end":2921.73,"sentiment":"neutral","sentiment_score":0.10990705169164218},{"text":"That was the one investment that was down for you.","start":2921.73,"end":2924.265,"sentiment":"neutral","sentiment_score":0.14621392413973808},{"text":"Now Benelon, how that one is slightly different to all your other investment is that they are what we would call a managed fund.","start":2924.825,"end":2933.005,"sentiment":"neutral","sentiment_score":0.02796645633255442}],"sentiment":"neutral","sentiment_score":0.08479847860607234,"num_words":77,"start":2908.53,"end":2933.005},{"sentences":[{"text":"So they are a little bit more expensive because they are trying to outperform the market.","start":2933.625,"end":2940.1702,"sentiment":"neutral","sentiment_score":-0.005259769037365913},{"text":"So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market.","start":2940.31,"end":2949.1301,"sentiment":"neutral","sentiment_score":0.2185594690116969},{"text":"And they were doing really, really, really well.","start":2949.75,"end":2953.6548,"sentiment":"positive","sentiment_score":0.3368315063416958},{"text":"But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through.","start":2955.075,"end":2962.375,"sentiment":"neutral","sentiment_score":-0.21649443477392197},{"text":"And because of that as well, they've been a little bit slow in making their investment choices.","start":2962.69,"end":2967.51,"sentiment":"negative","sentiment_score":-0.42576487537692576}],"sentiment":"neutral","sentiment_score":-0.05944954189048572,"num_words":88,"start":2933.625,"end":2967.51},{"sentences":[{"text":"We have decided that, you know, at least now it's not as good to invest in because there's a little bit higher in fees.","start":2968.21,"end":2977.35,"sentiment":"negative","sentiment_score":-0.45964976275960606},{"text":"And if they are not outperforming the market and it's down, there might be better options.","start":2977.365,"end":2981.625,"sentiment":"negative","sentiment_score":-0.35498855635523796},{"text":"So we are completely selling out of this one and then instead doing the beta shares Australia 200.","start":2982.005,"end":2988.105,"sentiment":"neutral","sentiment_score":0.14216681652598911},{"text":"And that one is pretty straightforward that, again, it invests in diversification, so 200 companies, but in Australia.","start":2988.485,"end":2996.81,"sentiment":"neutral","sentiment_score":0.26778897394736606},{"text":"So the 200 largest in Australia.","start":2997.11,"end":2999.21,"sentiment":"neutral","sentiment_score":0.28665168086687726}],"sentiment":"neutral","sentiment_score":-0.09283288895356946,"num_words":82,"start":2968.21,"end":2999.21},{"sentences":[{"text":"So you will have companies like Commonwealth and DHT and Woolworths.","start":2999.27,"end":3003.69,"sentiment":"neutral","sentiment_score":0.23979488963430579},{"text":"So, again, big companies to give you that diversification.","start":3003.99,"end":3007.655,"sentiment":"neutral","sentiment_score":0.15201518105136025},{"text":"There's there's nothing what?","start":3015.3152,"end":3016.5151,"sentiment":"neutral","sentiment_score":-0.14688275568187237},{"text":"Sorry?","start":3016.5151,"end":3017.0151,"sentiment":"neutral","sentiment_score":-0.10769065469503404},{"text":"No.","start":3022.32,"end":3022.56,"sentiment":"neutral","sentiment_score":-0.10970570147037506}],"sentiment":"neutral","sentiment_score":0.12311357832871951,"num_words":26,"start":2999.27,"end":3022.56},{"sentences":[{"text":"Exactly.","start":3022.56,"end":3023.06,"sentiment":"neutral","sentiment_score":-0.02492703497409821},{"text":"And then, also, we have some defensive investments because, obviously, we don't want everything in equity and stuff like that.","start":3023.52,"end":3029.46,"sentiment":"neutral","sentiment_score":-0.019233152084052563},{"text":"We have 5% in, you know, your cybersecurity section.","start":3029.635,"end":3034.695,"sentiment":"neutral","sentiment_score":0.0808543177942435},{"text":"Obviously, AI technology not going anywhere anytime soon.","start":3035.395,"end":3039.235,"sentiment":"neutral","sentiment_score":-0.014943697722628713},{"text":"So there's a lot of opportunities in this space.","start":3039.235,"end":3042.115,"sentiment":"neutral","sentiment_score":0.2211756714516216}],"sentiment":"neutral","sentiment_score":0.046577239250566095,"num_words":47,"start":3022.56,"end":3042.115},{"sentences":[{"text":"This one can fluctuate a little bit more, so that's by only 5%.","start":3042.115,"end":3045.78,"sentiment":"neutral","sentiment_score":0.01737303602007719},{"text":"Because it has good growth opportunities, but we also don't want too much in it if it fluctuates a little bit.","start":3046.24,"end":3052.18,"sentiment":"neutral","sentiment_score":0.004684218693347205},{"text":"You still have 10% in gold, so kind of your defensive.","start":3054.16,"end":3058.135,"sentiment":"neutral","sentiment_score":0.1311687949028882},{"text":"You're trying to smooth out fluctuations because we don't want everything in equity.","start":3058.675,"end":3063.095,"sentiment":"neutral","sentiment_score":0.05319442614339865},{"text":"You have 10% in gold still, and then you have 6% in your fixed interest.","start":3063.315,"end":3071.01,"sentiment":"neutral","sentiment_score":0.0926230954627196}],"sentiment":"neutral","sentiment_score":0.05271162707613756,"num_words":73,"start":3042.115,"end":3071.01},{"sentences":[{"text":"Interest.","start":3071.41,"end":3071.65,"sentiment":"neutral","sentiment_score":0.0692538321018219},{"text":"So, again, trying to have some defensive investments to smooth out.","start":3071.65,"end":3075.59,"sentiment":"neutral","sentiment_score":0.11434482647614046},{"text":"The cash isn't in investments here.","start":3080.45,"end":3082.95,"sentiment":"neutral","sentiment_score":-0.11912954784929752},{"text":"We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger.","start":3083.17,"end":3090.055,"sentiment":"neutral","sentiment_score":-0.06000486140449842},{"text":"Now, obviously, the the older you get and the closer you get to retirement, you wanna have more of defensive investment.","start":3090.435,"end":3097.495,"sentiment":"neutral","sentiment_score":0.10811048355840501}],"sentiment":"neutral","sentiment_score":0.019128159591645905,"num_words":66,"start":3071.41,"end":3097.495},{"sentences":[{"text":"But the minimum the minimum cash in hub twenty four is just 1.25% of the account balance, which you can kind of see under the table listed there.","start":3098.6602,"end":3109.7202,"sentiment":"neutral","sentiment_score":0.003013167397252151},{"text":"Yeah.","start":3111.985,"end":3112.385,"sentiment":"neutral","sentiment_score":0.116520993411541},{"text":"And that's just to kind of keep so, you know, like, you know, fees and insurances and stuff like that so that there's enough cash for that.","start":3112.385,"end":3119.905,"sentiment":"neutral","sentiment_score":0.08518638061704459},{"text":"But we obviously don't wanna have too much in cash because it's not gonna grow as much as you invest.","start":3119.905,"end":3124.325,"sentiment":"neutral","sentiment_score":-0.3010243780910969},{"text":"That's a good question.","start":3125.83,"end":3126.89,"sentiment":"neutral","sentiment_score":0.23165181279182434}],"sentiment":"neutral","sentiment_score":-0.03241197941824794,"num_words":80,"start":3098.6602,"end":3126.89},{"sentences":[{"text":"Mhmm.","start":3129.03,"end":3129.53,"sentiment":"neutral","sentiment_score":0.09929719567298888},{"text":"Just yes.","start":3129.83,"end":3132.33,"sentiment":"neutral","sentiment_score":0.10197839140892029},{"text":"Yes.","start":3133.67,"end":3134.17,"sentiment":"neutral","sentiment_score":0.1549670547246933},{"text":"Yeah.","start":3142.5652,"end":3143.0652,"sentiment":"neutral","sentiment_score":0.1508680284023285},{"text":"Mhmm.","start":3151.54,"end":3152.04,"sentiment":"neutral","sentiment_score":0.09680670499801636}],"sentiment":"neutral","sentiment_score":0.11764929443597794,"num_words":6,"start":3129.03,"end":3152.04},{"sentences":[{"text":"Yep.","start":3152.42,"end":3152.92,"sentiment":"neutral","sentiment_score":0.08557748049497604},{"text":"Correct.","start":3154.74,"end":3155.24,"sentiment":"neutral","sentiment_score":0.1860562562942505},{"text":"So what I have what my colleague have done for you is you should have received another email.","start":3155.3,"end":3160.92,"sentiment":"neutral","sentiment_score":0.18479080581002766},{"text":"Again, you can do it on your own time or over the weekend with the document.","start":3161.2551,"end":3165.0151,"sentiment":"neutral","sentiment_score":0.16511245723813772},{"text":"So, hopefully, that works.","start":3165.0151,"end":3166.135,"sentiment":"positive","sentiment_score":0.3462602272629738}],"sentiment":"neutral","sentiment_score":0.19061771165579558,"num_words":40,"start":3152.42,"end":3166.135},{"sentences":[{"text":"So let me know if it didn't.","start":3166.135,"end":3167.435,"sentiment":"neutral","sentiment_score":0.18701092792408808},{"text":"And that's if you if you are happy with the advice and you wanted to go ahead, you can just sign that one, which should be the newest email, and that should have everything in it.","start":3167.655,"end":3179.44,"sentiment":"neutral","sentiment_score":0.30513466480705476},{"text":"When when you sign, it will come back to me, and I can see it, and I can let the team know that we go ahead with the change.","start":3180.1401,"end":3187.815,"sentiment":"positive","sentiment_score":0.33515269283590643},{"text":"Take your time to read it.","start":3189.015,"end":3191.115,"sentiment":"neutral","sentiment_score":0.16686938951412836},{"text":"Like I said as well, it is not a lock in contract.","start":3192.2148,"end":3195.515,"sentiment":"neutral","sentiment_score":0.0651587126776576}],"sentiment":"neutral","sentiment_score":0.2644052601108948,"num_words":90,"start":3166.135,"end":3195.515},{"sentences":[{"text":"So if at any point in time you change your mind, you're not locked in.","start":3195.575,"end":3199.86,"sentiment":"neutral","sentiment_score":0.08421306138237318},{"text":"Adviser fees is only deducted on a monthly basis even though all the fees and everything is calculated annually for you to show you the figure.","start":3200.34,"end":3207.7202,"sentiment":"neutral","sentiment_score":0.07771821606617707},{"text":"It only comes out on a monthly basis.","start":3207.9402,"end":3210.12,"sentiment":"neutral","sentiment_score":0.06008739210665226},{"text":"So even if you go, okay.","start":3210.1802,"end":3211.86,"sentiment":"neutral","sentiment_score":0.05775941163301468},{"text":"Well, let's just give it a go and see how things go, and then you call me in three months or six months or ten months and you've changed your mind, there is no lock in contract or excess fees or anything like that if you do change your mind at the end.","start":3211.86,"end":3229.24,"sentiment":"neutral","sentiment_score":0.12366348420673946}],"sentiment":"neutral","sentiment_score":0.09875268340800647,"num_words":108,"start":3195.575,"end":3229.24},{"sentences":[{"text":"Yeah.","start":3230.82,"end":3231.3,"sentiment":"neutral","sentiment_score":0.11506202816963196},{"text":"Does that make sense?","start":3231.3,"end":3232.44,"sentiment":"neutral","sentiment_score":0.24476274475455284},{"text":"Yeah.","start":3232.9,"end":3233.4,"sentiment":"positive","sentiment_score":0.34246477484703064},{"text":"No.","start":3237.3,"end":3237.78,"sentiment":"neutral","sentiment_score":0.05957949161529541},{"text":"That is okay.","start":3237.78,"end":3238.74,"sentiment":"neutral","sentiment_score":0.256418118874232}],"sentiment":"neutral","sentiment_score":0.22654116302728652,"num_words":10,"start":3230.82,"end":3238.74},{"sentences":[{"text":"I know it's a lot to go through.","start":3238.74,"end":3240.5999,"sentiment":"neutral","sentiment_score":0.14460757467895746},{"text":"So thank you for your patience as well and everything.","start":3240.82,"end":3244.265,"sentiment":"positive","sentiment_score":0.5507872641086579},{"text":"Everything is there for you.","start":3244.965,"end":3246.485,"sentiment":"positive","sentiment_score":0.5769031643867493},{"text":"Have a read over it.","start":3246.485,"end":3248.105,"sentiment":"positive","sentiment_score":0.36606656312942504},{"text":"Take your time.","start":3248.405,"end":3249.465,"sentiment":"neutral","sentiment_score":0.2567571699619293}],"sentiment":"positive","sentiment_score":0.3919307543866096,"num_words":31,"start":3238.74,"end":3249.465},{"sentences":[{"text":"And, yeah, let me know how you Uh-huh.","start":3251.045,"end":3256.43,"sentiment":"neutral","sentiment_score":0.1620105290785432},{"text":"Of course.","start":3256.43,"end":3257.0898,"sentiment":"neutral","sentiment_score":0.06125381775200367},{"text":"Yeah.","start":3258.19,"end":3258.67,"sentiment":"neutral","sentiment_score":0.09527921676635742},{"text":"Of course.","start":3258.67,"end":3259.23,"sentiment":"neutral","sentiment_score":0.09988145157694817},{"text":"That's that's what I'm here for.","start":3259.23,"end":3260.77,"sentiment":"neutral","sentiment_score":0.18478861699501672}],"sentiment":"neutral","sentiment_score":0.14854556263277405,"num_words":19,"start":3251.045,"end":3260.77},{"sentences":[{"text":"Yep.","start":3261.47,"end":3261.97,"sentiment":"neutral","sentiment_score":0.10202495753765106},{"text":"Yep.","start":3262.91,"end":3263.41,"sentiment":"neutral","sentiment_score":0.1487300992012024},{"text":"Perfect.","start":3264.19,"end":3264.69,"sentiment":"positive","sentiment_score":0.432639479637146},{"text":"Yep.","start":3265.47,"end":3265.965,"sentiment":"neutral","sentiment_score":0.1329721063375473},{"text":"Perfect.","start":3266.365,"end":3266.865,"sentiment":"positive","sentiment_score":0.6546608209609985}],"sentiment":"neutral","sentiment_score":0.29420549273490904,"num_words":5,"start":3261.47,"end":3266.865},{"sentences":[{"text":"Perfect.","start":3267.3252,"end":3267.8252,"sentiment":"positive","sentiment_score":0.749140202999115},{"text":"Thank you so much, Sandra.","start":3267.885,"end":3269.0852,"sentiment":"positive","sentiment_score":0.8348818421363831},{"text":"I will let you go.","start":3269.0852,"end":3270.125,"sentiment":"positive","sentiment_score":0.7864959597587585},{"text":"Thanks for your time, and I look forward to hearing from you soon.","start":3270.125,"end":3273.345,"sentiment":"positive","sentiment_score":0.7972404910967901},{"text":"Thank you.","start":3275.3252,"end":3276.145,"sentiment":"positive","sentiment_score":0.6019470989704132}],"sentiment":"positive","sentiment_score":0.7855403767182276,"num_words":26,"start":3267.3252,"end":3276.145},{"sentences":[{"text":"You too, Sandra.","start":3276.2852,"end":3277.2651,"sentiment":"neutral","sentiment_score":0.31680136919021606},{"text":"Bye.","start":3277.885,"end":3278.385,"sentiment":"neutral","sentiment_score":0.19179007411003113}],"sentiment":"neutral","sentiment_score":0.28554854542016983,"num_words":4,"start":3276.2852,"end":3278.385}]}}]},{"alternatives":[{"transcript":"Speaking. Hi. How are you? Yeah. Yeah. Yeah. Let's do it. Otherwise, I don't need to. Yeah. Mhmm. Okay. Sandra Mirna Corteffall. The address is 42 Lay Street. And what is the order? Fourteen o four four nineteen eighty two. Yes. Very easy. Yes. Mhmm. The services guide, Oak Financial Services Guide. Yeah. Japanese. Yeah. Mhmm. Yes. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Mhmm. No. Not. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Yeah. Well, I I only see that investor type and then the important relationships. That's it. Yeah. But I don't find I mean, the conclusion that you get everything I I mean, from your research is not in this document, isn't it? Okay. Okay. Mhmm. Yes. Mhmm. Mhmm. But what I I don't see is the what is the I mean, between the three funds, which is the most yeah. Yeah. But I don't have page 10. My my document finish at page nine. No. It finishes at eight nine with the life insurance through superannuation, and that's it. It finishes there. Yeah. Mhmm. Okay. Okay. Mhmm. Mhmm. Mhmm. Yes. Yeah. Yeah. I got it. The mhmm. The appendix again. Yeah. Mhmm. Yeah. Let me see. No. It's the same I have. It's the same finish in beige night. Yeah. Mhmm. Okay. Mhmm. Yeah. Yeah. Actually, I received this document previously when when we missed a call. And I opened it and and I was the same like it, but I cannot see anything. No. Mhmm. Mhmm. Yeah. I got it. Yeah. So it should be again the appendix. Okay. It's it is the oh, wait. Yes. I think I'm good. Yeah. The 25 pages. Yeah. Got it. Mhmm. Yes. Alright. Proposed a sale location, then power ongoing services. Oh, wait. Industry. Yep. Got it. Mhmm. Yep. Mhmm. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Mhmm. 15. Yeah. Yeah. The proposed asset allocation. Free comparison. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Yeah. Yes. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Yeah. It it it looks promising, but it's just that I'm concerned when I see the the reporting in the half twenty four, for example, the income and expenses, when I see that the total income in the period of the from October, it was $700. But in fees, administration plus minimum admin fee, plus keeping fee, plus adjustment, The total adviser fee was 680, and the total expenses is $9.40 900 and 955. So when I see that I see when I how come the total income is 700, but in fees is 900. I mean, the total in the year is $11,564. So that's when I say, oh, I cannot not keep. Mhmm. Yeah. Well, so that income is only, like, what is is being earning in in interest in in the portfolio? But but if it's still in the in I mean, if the if the earnings of the interest, so it's still I'm not earning nothing because the fees are even higher. You know what I mean? Mhmm. Mhmm. Yeah. Mhmm. Mhmm. Not yet. No. Yeah. Got it. Mhmm. Alright. Yeah. Performance report. Yep. Mhmm. Yes. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. But okay. And from this 12,531, how much is this deducting from this? Mhmm. Mhmm. Mhmm. That value is isn't that high? 3,000 out of the 80 of the with 12,000 something is how much is that the percentage? And, I mean, in your in your experience, because at this point, I have no comparison. Is this right? I mean, 3,000 in fees annually. Is that alright? Mhmm. Mhmm. Mhmm. Mhmm. Right. So at the end of the day, your your advice is to keep in half 24, but change the the portfolio. Yeah. Mhmm. Mhmm. Mhmm. How do I know, I mean, that your proposal of the new portfolio? I mean, how do I know that this is right? Because I I can see, yeah, selling the Betas Rafi, selling the Betas chair cybersecurity. So what is the idea is to put the shares more into into I I mean, what is the the the strategy there? Mhmm. Mhmm. Yeah. That's the one I'm I'm seeing. Yeah. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. If you'd be listening, it would be great. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Yes. Got it. Mhmm. Mhmm. Got it. Yes. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Got it. So better than no one falls down then. Mhmm. Better than no one's getting to bankrupt. Okay. From this one, which is the cash. Mhmm. No. Okay. Got it. Mhmm. Okay. Alright. So I gonna go through this document now that I can read it. Well, I would say that that your your advice must be well. So if if I go if I go to through that advice, I just have to sign in, and that's it. Yeah? Mhmm. Okay. Okay. Mhmm. Okay. That's good to know. That makes sense. Thanks very much for your explanation. Yeah. No. Thanks for your your research and take the time to do it. So, yeah, I gonna go through that in the weekend, and I'll let you know next week on Monday. Thanks, Veronica. Have a good afternoon. Okay. Bye. 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Hi. How are you? Yeah. Yeah.\n\nYeah. Let's do it. Otherwise, I don't need to. Yeah. Mhmm.\n\nOkay. Sandra Mirna Corteffall. The address is 42 Lay Street. And what is the order? Fourteen o four four nineteen eighty two.\n\nYes. Very easy. Yes. Mhmm. The services guide, Oak Financial Services Guide.\n\nYeah. Japanese. Yeah. Mhmm. Yes.\n\nMhmm. Mhmm. Yes. Mhmm. Mhmm.\n\nMhmm. Mhmm. No. Not. Mhmm.\n\nYeah. Mhmm. Mhmm. Mhmm. Yeah.\n\nWell, I I only see that investor type and then the important relationships. That's it. Yeah. But I don't find I mean, the conclusion that you get everything I I mean, from your research is not in this document, isn't it? Okay.\n\nOkay. Mhmm. Yes. Mhmm. Mhmm.\n\nBut what I I don't see is the what is the I mean, between the three funds, which is the most yeah. Yeah. But I don't have page 10. My my document finish at page nine. No.\n\nIt finishes at eight nine with the life insurance through superannuation, and that's it. It finishes there. Yeah. Mhmm. Okay.\n\nOkay. Mhmm. Mhmm. Mhmm. Yes.\n\nYeah. Yeah. I got it. The mhmm. The appendix again.\n\nYeah. Mhmm. Yeah. Let me see. No.\n\nIt's the same I have. It's the same finish in beige night. Yeah. Mhmm. Okay.\n\nMhmm. Yeah. Yeah. Actually, I received this document previously when when we missed a call. And I opened it and and I was the same like it, but I cannot see anything.\n\nNo. Mhmm. Mhmm. Yeah. I got it.\n\nYeah. So it should be again the appendix. Okay. It's it is the oh, wait. Yes.\n\nI think I'm good. Yeah. The 25 pages. Yeah. Got it.\n\nMhmm. Yes. Alright. Proposed a sale location, then power ongoing services. Oh, wait.\n\nIndustry. Yep. Got it. Mhmm. Yep.\n\nMhmm. Mhmm. Yeah. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yes. Mhmm. Mhmm. 15.\n\nYeah. Yeah. The proposed asset allocation. Free comparison. Yeah.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Yes. Yeah.\n\nYes. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. It it it looks promising, but it's just that I'm concerned when I see the the reporting in the half twenty four, for example, the income and expenses, when I see that the total income in the period of the from October, it was $700. But in fees, administration plus minimum admin fee, plus keeping fee, plus adjustment, The total adviser fee was 680, and the total expenses is $9.40 900 and 955.\n\nSo when I see that I see when I how come the total income is 700, but in fees is 900. I mean, the total in the year is $11,564. So that's when I say, oh, I cannot not keep. Mhmm. Yeah.\n\nWell, so that income is only, like, what is is being earning in in interest in in the portfolio? But but if it's still in the in I mean, if the if the earnings of the interest, so it's still I'm not earning nothing because the fees are even higher. You know what I mean? Mhmm. Mhmm.\n\nYeah. Mhmm. Mhmm. Not yet. No.\n\nYeah. Got it. Mhmm. Alright. Yeah.\n\nPerformance report. Yep. Mhmm. Yes. Mhmm.\n\nYeah. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. But okay. And from this 12,531, how much is this deducting from this? Mhmm. Mhmm.\n\nMhmm. That value is isn't that high? 3,000 out of the 80 of the with 12,000 something is how much is that the percentage? And, I mean, in your in your experience, because at this point, I have no comparison. Is this right?\n\nI mean, 3,000 in fees annually. Is that alright? Mhmm. Mhmm. Mhmm.\n\nMhmm. Right. So at the end of the day, your your advice is to keep in half 24, but change the the portfolio. Yeah. Mhmm.\n\nMhmm. Mhmm. How do I know, I mean, that your proposal of the new portfolio? I mean, how do I know that this is right? Because I I can see, yeah, selling the Betas Rafi, selling the Betas chair cybersecurity.\n\nSo what is the idea is to put the shares more into into I I mean, what is the the the strategy there? Mhmm. Mhmm. Yeah. That's the one I'm I'm seeing.\n\nYeah. Mhmm. Mhmm. Okay. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. If you'd be listening, it would be great.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. Mhmm. Mhmm. Yes. Mhmm.\n\nMhmm. Yes. Got it. Mhmm. Mhmm.\n\nGot it. Yes. Mhmm. Yes. Mhmm.\n\nMhmm. Mhmm. Got it. So better than no one falls down then. Mhmm.\n\nBetter than no one's getting to bankrupt. Okay. From this one, which is the cash. Mhmm. No.\n\nOkay. Got it. Mhmm. Okay. Alright.\n\nSo I gonna go through this document now that I can read it. Well, I would say that that your your advice must be well. So if if I go if I go to through that advice, I just have to sign in, and that's it. Yeah? Mhmm.\n\nOkay. Okay. Mhmm. Okay. That's good to know.\n\nThat makes sense. Thanks very much for your explanation. Yeah. No. Thanks for your your research and take the time to do it.\n\nSo, yeah, I gonna go through that in the weekend, and I'll let you know next week on Monday. Thanks, Veronica. Have a good afternoon. Okay. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.06860923022031784},{"text":"Hi.","start":7.2799997,"end":7.52,"sentiment":"neutral","sentiment_score":0.1785922348499298},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.18422898650169373},{"text":"Yeah.","start":27.064999,"end":27.564999,"sentiment":"neutral","sentiment_score":0.10837726294994354},{"text":"Yeah.","start":27.704998,"end":27.865,"sentiment":"neutral","sentiment_score":0.11082888394594193}],"sentiment":"neutral","sentiment_score":0.14558493878160203,"num_words":7,"start":1.5999999,"end":27.865},{"sentences":[{"text":"Yeah.","start":27.865,"end":28.105,"sentiment":"neutral","sentiment_score":0.12313136458396912},{"text":"Let's do it.","start":28.105,"end":28.664999,"sentiment":"neutral","sentiment_score":0.15012741585572562},{"text":"Otherwise, I don't need to.","start":28.664999,"end":30.365,"sentiment":"neutral","sentiment_score":0.04558028280735016},{"text":"Yeah.","start":33.8,"end":34.3,"sentiment":"neutral","sentiment_score":0.06885531544685364},{"text":"Mhmm.","start":43.239998,"end":43.32,"sentiment":"neutral","sentiment_score":0.03843735530972481}],"sentiment":"neutral","sentiment_score":0.08260979063131592,"num_words":11,"start":27.865,"end":43.32},{"sentences":[{"text":"Okay.","start":43.32,"end":43.82,"sentiment":"neutral","sentiment_score":0.11364935338497162},{"text":"Sandra Mirna Corteffall.","start":55.664997,"end":57.284996,"sentiment":"neutral","sentiment_score":0.02302733187874158},{"text":"The address is 42 Lay Street.","start":59.024998,"end":62.405,"sentiment":"neutral","sentiment_score":0.02341446280479431},{"text":"And what is the order?","start":64.57,"end":66.51,"sentiment":"neutral","sentiment_score":0.022692302986979485},{"text":"Fourteen o four four nineteen eighty 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I I only see that investor type and then the important relationships.","start":374.88,"end":382.9,"sentiment":"neutral","sentiment_score":-0.014740336471452163},{"text":"That's it.","start":383.92,"end":384.74002,"sentiment":"neutral","sentiment_score":-0.013286539353430271},{"text":"Yeah.","start":386.115,"end":386.615,"sentiment":"neutral","sentiment_score":-0.043699465692043304},{"text":"But I don't find I mean, the conclusion that you get everything I I mean, from your research is not in this document, isn't 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what I I don't see is the what is the I mean, between the three funds, which is the most yeah.","start":475.625,"end":489.82,"sentiment":"neutral","sentiment_score":-0.1083180709657344},{"text":"Yeah.","start":497.29498,"end":497.79498,"sentiment":"neutral","sentiment_score":0.12792065739631653},{"text":"But I don't have page 10.","start":520.685,"end":522.845,"sentiment":"neutral","sentiment_score":-0.21239597474535307},{"text":"My my document finish at page nine.","start":522.845,"end":527.105,"sentiment":"neutral","sentiment_score":-0.194005942770413},{"text":"No.","start":548.83496,"end":549.15497,"sentiment":"neutral","sentiment_score":-0.18992386758327484}],"sentiment":"neutral","sentiment_score":-0.13722751944048986,"num_words":37,"start":475.625,"end":549.15497},{"sentences":[{"text":"It finishes at eight nine with the life insurance through superannuation, and that's it.","start":549.15497,"end":558.115,"sentiment":"neutral","sentiment_score":-0.11810168943234853},{"text":"It finishes there.","start":558.115,"end":559.41,"sentiment":"neutral","sentiment_score":-0.08679665873448054},{"text":"Yeah.","start":578.385,"end":578.885,"sentiment":"neutral","sentiment_score":0.11334708333015442},{"text":"Mhmm.","start":587.42,"end":587.92,"sentiment":"neutral","sentiment_score":-0.016383688896894455},{"text":"Okay.","start":611.815,"end":612.21497,"sentiment":"neutral","sentiment_score":0.0698959082365036}],"sentiment":"neutral","sentiment_score":-0.08734771627932787,"num_words":20,"start":549.15497,"end":612.21497},{"sentences":[{"text":"Okay.","start":612.21497,"end":612.71497,"sentiment":"neutral","sentiment_score":0.07775641232728958},{"text":"Mhmm.","start":653.74,"end":654.015,"sentiment":"neutral","sentiment_score":-0.07254830002784729},{"text":"Mhmm.","start":672.62,"end":673.12,"sentiment":"neutral","sentiment_score":-0.01762274280190468},{"text":"Mhmm.","start":707.52997,"end":707.835,"sentiment":"neutral","sentiment_score":0.028137940913438797},{"text":"Yes.","start":776.88,"end":777.38,"sentiment":"neutral","sentiment_score":0.20018088817596436}],"sentiment":"neutral","sentiment_score":0.043180839717388154,"num_words":5,"start":612.21497,"end":777.38},{"sentences":[{"text":"Yeah.","start":807.17,"end":807.41,"sentiment":"neutral","sentiment_score":0.1554042547941208},{"text":"Yeah.","start":807.41,"end":807.73,"sentiment":"neutral","sentiment_score":0.14978405833244324},{"text":"I 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see.","start":821.065,"end":821.865,"sentiment":"neutral","sentiment_score":-0.004411120278139909},{"text":"No.","start":821.865,"end":822.10504,"sentiment":"neutral","sentiment_score":-0.12160515785217284}],"sentiment":"neutral","sentiment_score":-0.013432727461414676,"num_words":7,"start":814.20996,"end":822.10504},{"sentences":[{"text":"It's the same I have.","start":822.10504,"end":823.405,"sentiment":"neutral","sentiment_score":-0.0933008462190628},{"text":"It's the same finish in beige 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alright?","start":2194.6748,"end":2200.295,"sentiment":"neutral","sentiment_score":-0.02298659458756447},{"text":"Mhmm.","start":2262.245,"end":2262.745,"sentiment":"neutral","sentiment_score":-0.09005449712276459},{"text":"Mhmm.","start":2287.115,"end":2287.615,"sentiment":"neutral","sentiment_score":-0.09809498488903046},{"text":"Mhmm.","start":2325.49,"end":2325.99,"sentiment":"neutral","sentiment_score":-0.02075916901230812}],"sentiment":"neutral","sentiment_score":-0.014026577274004618,"num_words":12,"start":2190.9,"end":2325.99},{"sentences":[{"text":"Mhmm.","start":2348.7852,"end":2349.2852,"sentiment":"neutral","sentiment_score":-0.03815486282110214},{"text":"Right.","start":2350.9902,"end":2351.4902,"sentiment":"neutral","sentiment_score":0.005531538277864456},{"text":"So at the end of the day, your your advice is to keep in half 24, but change the the 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see, yeah, selling the Betas Rafi, selling the Betas chair cybersecurity.","start":2511.18,"end":2520.48,"sentiment":"neutral","sentiment_score":0.06382928639650345}],"sentiment":"neutral","sentiment_score":0.02831098739989102,"num_words":40,"start":2401.115,"end":2520.48},{"sentences":[{"text":"So what is the idea is to put the shares more into into I I mean, what is the the the strategy there?","start":2521.18,"end":2531.0652,"sentiment":"neutral","sentiment_score":0.05766107870832733},{"text":"Mhmm.","start":2539.4,"end":2539.9,"sentiment":"neutral","sentiment_score":-0.0008476953953504562},{"text":"Mhmm.","start":2541.88,"end":2542.38,"sentiment":"neutral","sentiment_score":0.0249932873994112},{"text":"Yeah.","start":2544.44,"end":2544.8398,"sentiment":"neutral","sentiment_score":0.028266683220863342},{"text":"That's the one I'm I'm 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you'd be listening, it would be 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cash.","start":3076.305,"end":3078.725,"sentiment":"neutral","sentiment_score":0.04841924139431545},{"text":"Mhmm.","start":3090.8,"end":3091.3,"sentiment":"neutral","sentiment_score":0.09374703466892242},{"text":"No.","start":3099.355,"end":3099.855,"sentiment":"neutral","sentiment_score":-0.03542519360780716}],"sentiment":"neutral","sentiment_score":-0.05479143516105764,"num_words":17,"start":3018.29,"end":3099.855},{"sentences":[{"text":"Okay.","start":3111.195,"end":3111.595,"sentiment":"neutral","sentiment_score":0.08523620665073395},{"text":"Got it.","start":3111.595,"end":3112.335,"sentiment":"neutral","sentiment_score":0.11297420039772986},{"text":"Mhmm.","start":3119.73,"end":3120.23,"sentiment":"neutral","sentiment_score":-0.03304288163781166},{"text":"Okay.","start":3125.65,"end":3126.15,"sentiment":"neutral","sentiment_score":0.06526346504688263},{"text":"Alright.","start":3128.775,"end":3129.255,"sentiment":"neutral","sentiment_score":0.18199869990348816}],"sentiment":"neutral","sentiment_score":0.08756731512645881,"num_words":6,"start":3111.195,"end":3129.255},{"sentences":[{"text":"So I gonna go through this document now that I can read it.","start":3129.255,"end":3133.435,"sentiment":"neutral","sentiment_score":0.10518831186569653},{"text":"Well, I would say that that your your advice must be well.","start":3134.455,"end":3141.99,"sentiment":"neutral","sentiment_score":0.21651577080289522},{"text":"So if if I go if I go to through that advice, I just have to sign in, and that's it.","start":3143.3298,"end":3154.095,"sentiment":"neutral","sentiment_score":0.11181431121769406},{"text":"Yeah?","start":3154.095,"end":3154.595,"sentiment":"neutral","sentiment_score":0.1140751838684082},{"text":"Mhmm.","start":3164.0151,"end":3164.5151,"sentiment":"neutral","sentiment_score":0.15121060609817505}],"sentiment":"neutral","sentiment_score":0.13706299227972826,"num_words":48,"start":3129.255,"end":3164.5151},{"sentences":[{"text":"Okay.","start":3180.1401,"end":3180.6401,"sentiment":"neutral","sentiment_score":0.23493604362010956},{"text":"Okay.","start":3189.035,"end":3189.535,"sentiment":"neutral","sentiment_score":0.2046419084072113},{"text":"Mhmm.","start":3229.48,"end":3229.98,"sentiment":"neutral","sentiment_score":0.05788961797952652},{"text":"Okay.","start":3230.04,"end":3230.54,"sentiment":"neutral","sentiment_score":0.09662406146526337},{"text":"That's good to know.","start":3231.24,"end":3232.54,"sentiment":"neutral","sentiment_score":0.27143392339348793}],"sentiment":"neutral","sentiment_score":0.2099784156307578,"num_words":8,"start":3180.1401,"end":3232.54},{"sentences":[{"text":"That makes sense.","start":3233.24,"end":3234.12,"sentiment":"positive","sentiment_score":0.4189776877562205},{"text":"Thanks very much for your explanation.","start":3234.12,"end":3236.46,"sentiment":"positive","sentiment_score":0.7262873947620392},{"text":"Yeah.","start":3249.505,"end":3250.005,"sentiment":"neutral","sentiment_score":0.07526322454214096},{"text":"No.","start":3250.4648,"end":3250.9648,"sentiment":"neutral","sentiment_score":-0.013761840760707855},{"text":"Thanks for your your research and take the time to do it.","start":3252.76,"end":3257.82,"sentiment":"neutral","sentiment_score":0.21640773055454096}],"sentiment":"positive","sentiment_score":0.3596978948816009,"num_words":23,"start":3233.24,"end":3257.82},{"sentences":[{"text":"So, yeah, I gonna go through that in the weekend, and I'll let you know next week on Monday.","start":3258.76,"end":3266.78,"sentiment":"neutral","sentiment_score":0.19011830303229785},{"text":"Thanks, Veronica.","start":3273.7449,"end":3274.7249,"sentiment":"positive","sentiment_score":0.6964284777641296},{"text":"Have a good afternoon.","start":3274.945,"end":3275.925,"sentiment":"positive","sentiment_score":0.6962719261646271},{"text":"Okay.","start":3276.7048,"end":3277.105,"sentiment":"neutral","sentiment_score":0.2931152880191803},{"text":"Bye.","start":3277.105,"end":3277.605,"sentiment":"neutral","sentiment_score":0.2386225312948227}],"sentiment":"neutral","sentiment_score":0.3082196384116455,"num_words":27,"start":3258.76,"end":3277.605},{"sentences":[{"text":"Bye.","start":3279.025,"end":3279.525,"sentiment":"neutral","sentiment_score":-0.09308936446905136}],"sentiment":"neutral","sentiment_score":-0.09308936446905136,"num_words":1,"start":3279.025,"end":3279.525}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Speaking.\n\nChannel 0: Good afternoon, Sandra. It's Veronica from Financial. How are you?\n\nChannel 1: Hi. How are you?\n\nChannel 0: Good. Thanks. How are you? I had you booked in just to go over, you know, the research on your super and showing you, like, the comparisons and stuff that you were looking at. Is now still a good is now still a good time to go over that?\n\nChannel 1: Yeah. Yeah. Yeah. Let's do it.\n\nChannel 0: Yeah.\n\nChannel 1: Otherwise, I don't need to.\n\nChannel 0: I will try to make it quick for you.\n\nChannel 1: Yeah.\n\nChannel 0: Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Sandra Mirna Corteffall. The address is 42 Lay Street. And what is the order?\n\nChannel 0: Yeah. Just date of birth as well, please.\n\nChannel 1: Fourteen o four four nineteen eighty two.\n\nChannel 0: Yeah. Amazing. Perfect. And how's your day been so far? I've been busy.\n\nChannel 1: Yes. Very easy.\n\nChannel 0: Yeah. Well, like I said, I will try not to make it too long for you. Now, Sandra, do you have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Perfect. So what I have done is I have just sent you an email with some documents.\n\nChannel 1: Mhmm.\n\nChannel 0: If you can access them, it makes it a bit easier to kind of go through their the most important points with you with numbers and stuff like that. So if you can open that for me, that would be great.\n\nChannel 1: The services guide, Oak Financial Services Guide.\n\nChannel 0: So it would be the one sorry. Did you just get an email from me, like, a minute or two ago?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Sorry. You will see before you click on the link, you will see a couple of those attachments. Now they're just for your reference. I'll let you have a read over them in your own time.\n\nWe've kind of went through the OT servicing guide stuff last time.\n\nChannel 1: Japanese. Yeah.\n\nChannel 0: Yeah. So what I'll need you to do is just click on the link. Now I know it says sign now. It won't get you to sign right away, but it will allow you to open the document to view it\n\nChannel 1: Mhmm.\n\nChannel 0: first. So if you can click on that link for me, you should then see a cover page where it says, okay, financial statement of the device. Can you see that okay? Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So this is basically the the recommendation and everything for you. So I have done some research on your current superannuation, specifically focusing on trying to reduce the fees because I know you mentioned you felt like the the the fees were quite high. So focusing\n\nChannel 1: Mhmm.\n\nChannel 0: on reducing the fees and then also what we could do to, you know, make some changes on your investment to to try to improve the return.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I have also included research for you. So I did consider your Vanguard, your HESTA, and your Virgin Super. Because last time we spoke, I know you mentioned that those are the options that you are considering, So I\n\nChannel 1: Yes.\n\nChannel 0: have included all that research so you can see completely for your facts.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I do wanna let you know as well that the the recommendations and the SOA, it does expire on the April 13. So you do have a few days to decide. So if you wanna obviously have a rate over it over the weekend and stuff like that, that is fine, but it does expire on Monday the thirteenth. So if you could let me know on Monday what you would like to do.\n\nChannel 1: Mhmm.\n\nChannel 0: It's completely up to you at the end of the day, but at least you have a couple of days and the weekend to tryna, you know, take your time and have a read over everything as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now on the cover page, you will also see that this has been tailored to you. You will see my details underneath that. So you will see my authorized representative number, and I am licensed under OCU Financial.\n\nChannel 1: Mhmm.\n\nChannel 0: Now on the second page, you will see the best interest due date. Do you remember what that is at all?\n\nChannel 1: No.\n\nChannel 0: No. So, basically, what it is, it is a legal requirement that we have to follow, and it basically means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. So there\n\nChannel 1: Not.\n\nChannel 0: is a lot of protection for you as clients that we have to follow, and that is to make sure that we always just focus on your needs and your goals and make that into consideration when we are making advice. Does that\n\nChannel 1: Mhmm.\n\nChannel 0: make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Great. Now next page, table of content. Pretty self explanatory.\n\nChannel 1: Mhmm.\n\nChannel 0: The the following page is kind of talking about scope of advice. So, basically, what this is is the areas we are looking at today. So\n\nChannel 1: Mhmm.\n\nChannel 0: simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you. We're not making any changes or anything to your insurances in this stage. So simply just focusing on your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. Now if you can scroll through to for me, you will see page five and page six. Just some personal information in regards to yourself. Just have a quick read over that for me if there's anything I need to update in the back end.\n\nOtherwise, if you wanna scroll to page seven when you're ready.\n\nChannel 1: Yeah. Well, I I only see that investor type and then the important relationships. That's it. Yeah. But I don't find I mean, the conclusion that you get everything I I mean, from your research is not in this document, isn't it?\n\nChannel 0: It is. It is. Yes. The recommendation is in this document.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So it will come a little bit as I go through it. Sorry.\n\nChannel 1: Mhmm.\n\nChannel 0: Can you can you see page seven for me first? Can\n\nChannel 1: Yes.\n\nChannel 0: you see what that yep. Perfect. So first of all, it's it's just a little bit of just some general information for your reference, but we will get very soon to the what the recommendation is. But this just basically outlines, you currently have your Subaru in Hub 24. You also have your Clearview insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own time. But, basically, last time we spoke, you mentioned that you are you are quite comfortable in your growth portfolio. You are still wanting to focus on growing your superannuation. And in terms of that asset allocation, aiming for about 80% in the growth investment and 20 in defensive. So I have used a similar risk profile to make it a bit more kind of apple to apple comparison when I have\n\nChannel 1: Mhmm.\n\nChannel 0: done all the research and all the portfolios for you for making sure it's the same level of, you know, risk and stuff like that.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: what I I don't see is the what is the I mean, between the three funds,\n\nChannel 0: Yep.\n\nChannel 1: which is\n\nChannel 0: Yep.\n\nChannel 1: the most\n\nChannel 0: Important for you?\n\nChannel 1: yeah.\n\nChannel 0: Yes. Perfect. It is coming very soon for you. So if you wanna scroll to page 10,\n\nChannel 1: Yeah.\n\nChannel 0: you will see the actual recommendation. What I'll go, I'll go to the tables first. So what I have recommended after doing all the research is that you stay in hub twenty four and change your investment. I will go through the changes and what they look like for you as well as the comparisons so that you can see that for yourself.\n\nChannel 1: But I don't have page 10. My my document finish at page nine.\n\nChannel 0: Okay. Which is probably why you can't see see those comparisons. Let me have a look here for you. So what did your documents finish it? What does it say that it just finishes at page 10?\n\nChannel 1: No. It finishes at eight nine with the life insurance through superannuation, and that's it. It finishes there.\n\nChannel 0: Okay. What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see.\n\nChannel 1: Yeah.\n\nChannel 0: So my colleague will just put that through the system now so you will get a new email shortly.\n\nChannel 1: Mhmm.\n\nChannel 0: While he's kind of sending that to you, just so I don't keep you waiting for too long, I will just kind of go through some of the general stuff. And then when you can see the numbers, then we can kind of I'll I'll show you all those comparisons. And you just let me know as soon as you get that email, the new email. Okay?\n\nChannel 1: Okay. Okay.\n\nChannel 0: Okay. Now let me see here. So if I start with the comparison, so I did look at, obviously, your Vanguard, your Virgin Soup, and your HESTA, which as soon as you get that email, I will point you to their correct page. By basically making a switch to another superannuation, what we would have to do is obviously sell down all your investment. Now when you sell investments, so both in that super and outside superannuation, you have to pay capital gains tax.\n\nSo you have to\n\nChannel 1: Mhmm.\n\nChannel 0: do that when when you sell investment. So because your super has grown since when you came on board, which is great, if you decide today to be like, you know what? This is not for me, and I wanna go to Vanguard or Hesta or Virgin, there will be, obviously, capital gains that would come out of your ballot.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that amount and it fluctuates when you calculate it because it does change on a daily. But, roughly, it will be about $2,000 and 87 sorry. $2,087 is the tax that will come out of your superannuation. So just so you know, the the balance difference. So that is every time you make a change, you will have to sell investment.\n\nNow when we are making changes with your superannuation, we focus on trying to minimize that. So we\n\nChannel 1: Mhmm.\n\nChannel 0: obviously don't want you to pay, you know, the the tax, but we also wanna make sure we also switch you to the investment that's going to do good. So if you are just selling out of everything and moving, the tax will be about that 2,087, which is why the balance looks a bit different on the table, which you will see shortly. Basically, it will take your your balance to about 81,796. So I've used that for comparing straight Vanguard, straight Virgin, and straight Hepa super for you. Now in the comparison research, I have just to, again, give you as close comparisons as possible.\n\nI have just left your current Clearview insurances. So you can move them if if you wanted to keep them. So that's not that's a completely separate company clear view. It's not tied to your current hub twenty four. So just for for these purposes, I have just factored in your current insurances if it is that you decide to keep Does that make sense so far?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now with your Vanguard Super, I have used a three year rolling average when I compare the returns on all portfolio. Some didn't have five years, so that's why we've used three on everything to make it more like for like. Now we have just issued that new document to you, so let me know if that came through through okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes?\n\nChannel 1: I got\n\nChannel 0: Okay.\n\nChannel 1: it.\n\nChannel 0: Perfect.\n\nChannel 1: The\n\nChannel 0: Now, hopefully, you have everything now.\n\nChannel 1: mhmm. The appendix again. Yeah.\n\nChannel 0: If you click on the link where it says sign now,\n\nChannel 1: Mhmm. Yeah. Let me see. No. It's the same I have.\n\nIt's the same finish in beige night.\n\nChannel 0: It still finishes on page nine.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. What I might do is just send you the document by itself on email so you can\n\nChannel 1: Mhmm.\n\nChannel 0: see it, and then I'll have a have a chat to the team if there's a bit of a technology issue and then get it reissued to you. But then at least\n\nChannel 1: Okay.\n\nChannel 0: way this this way, you can see the whole document now when we're going through it.\n\nChannel 1: Mhmm.\n\nChannel 0: Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Just bear with me. I will just email you that now. That is very strange that you're only getting that because I can see all all the pages here from what I sent.\n\nChannel 1: Yeah. Actually, I received this document previously when when we missed a call. And I opened it and and I was the same like it, but I cannot see anything.\n\nChannel 0: You have a like, hello.\n\nChannel 1: No.\n\nChannel 0: That is very strange. We do have access to another software. So what I might get the team to do later is, like, when I get off the phone, is to send it through a different software and see if that helps. But for now, anyway, bear with me, and I will just attach it as a PDF version so that you can actually see it.\n\nChannel 1: Mhmm.\n\nChannel 0: Let me see here. Okay. I'll add all the attachments as well so that you can see them. Okay. That is on its way to you now, just just normal email.\n\nChannel 1: Mhmm.\n\nChannel 0: So it won't get you to sign anything, but at least you can look at it while I'm trying to get the team on the IT. So that should come through to you shortly. It says it was just sent on my end.\n\nChannel 1: Yeah. I got it.\n\nChannel 0: You got it?\n\nChannel 1: Yeah. So it should be again the appendix. Okay.\n\nChannel 0: Does that have 25 pages? So when you open the email, you should see a couple of different attachments. And if you can open the last\n\nChannel 1: It's\n\nChannel 0: one, it should say statement of advice.\n\nChannel 1: it is the oh, wait.\n\nChannel 0: There should be four attachments, and it's just the first one.\n\nChannel 1: Yes. I think I'm\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: The 25 pages. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Got it.\n\nChannel 0: Oh, great. Perfect. So if you can scroll that's probably why you were like, what are you talking about? If you can scroll through through\n\nChannel 1: Mhmm.\n\nChannel 0: page let me see here. 15. No. Sorry. 17 for me.\n\nMhmm. It can sometimes be 18 depending on the cover page, but the heading should say industry fund comparison.\n\nChannel 1: Yes. Alright. Proposed a sale location, then power ongoing services. Oh, wait. Industry.\n\nYep. Got it.\n\nChannel 0: Yep. You can see this table. So you can\n\nChannel 1: Mhmm.\n\nChannel 0: see vendor, Virgin, and Hester. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So this is the the the comparison. So you can see here, you know, the balance, like I mentioned. You can see the difference that they would charge in admin fees, investment fees, and other fees associated with the account. Now you can also see here that adviser fee is obviously zero because if you go there, then we you know, you wouldn't stay on other clients. You wouldn't pay any adviser fees to show you that.\n\nChannel 1: Mhmm.\n\nChannel 0: Like I mentioned, insurances, it's the same across everyone to kind of show you more just what your super would do. Now you can see your total cost. So out of this, you can see that Vanguard is cheaper. So\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: that is for 453, 612 for Virgin, and has the 812. Now as your super balance change, sometimes this would obviously change because some some insurers sorry. Some superannuation funds have a percentage of the balance. So if your balance is, let's say, 250, Vanguard might not be the cheapest anymore. It just depends.\n\nBut right now, from your current balance, Vanguard is the cheapest.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you have then the three year rolling average. So showing you on average in the last three years how their growth portfolio has performed. Now you can see Vanguard is 13.59,\n\nChannel 1: Mhmm.\n\nChannel 0: Virgin, 15.58, and HESTA, 12.88. So you can see that from here, Vanguard has performed historically anyway,\n\nChannel 1: Mhmm.\n\nChannel 0: the best out of it.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Now that's then been projected forward five and ten years so that you can see the difference. Now\n\nChannel 1: Mhmm.\n\nChannel 0: this is also kind of assuming no contributions going into superannuation and your Clearview insurances. You\n\nChannel 1: Mhmm.\n\nChannel 0: can't you can never guarantee the returns of what is going to happen in the market, but at least using the same time frame gives you a little bit more certainty of because they've had the same level of market fluctuations and stuff like that during this period of time. Does that make sense so far, Sandra?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yep. Perfect. That would give you this. So I use that as part of the research to make sure that, well, if Vanguard was going to be the best option for you, at least out of these three, that was the most favorable in terms of what you wanted, is that better than Hub twenty four with the changes in the portfolio? So those were kind of the two options that I was leaning towards.\n\nAnd you can see here lump sum in five and ten\n\nChannel 1: Mhmm.\n\nChannel 0: years. So if we use ten years, for example, you have or let's do five because it's it's it's closer of a 120,675. Okay? Now if you wanna scroll up to page 15 for me. Can\n\nChannel 1: Mhmm.\n\nChannel 0: you see that?\n\nChannel 1: 15. Yeah.\n\nChannel 0: So you can see can you see the heading where it says fee comparison?\n\nChannel 1: Yeah. The proposed\n\nChannel 0: Yep.\n\nChannel 1: asset allocation.\n\nChannel 0: One down. The fee comparison test\n\nChannel 1: Free comparison. Yeah.\n\nChannel 0: Yes. Yep. So this is what I have recommended. So you can see your current situation. So you're\n\nChannel 1: Mhmm.\n\nChannel 0: current in Hub 24.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you can see that Hub 24 as a platform is a little bit more expensive than\n\nChannel 1: Mhmm.\n\nChannel 0: Vanguard, for example. So\n\nChannel 1: Mhmm.\n\nChannel 0: it is a little bit more costly. Now this also factors in your adviser service fee. So, obviously, the fees through to to keep us advisers on your account. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: also factored in for you. Again, no contribution and the same insurance with ClearView. You can see your total cost in hub twenty four at the moment, so 2,338. Now\n\nChannel 1: Mhmm.\n\nChannel 0: you can see the same three year time frame. Your current portfolio has done 14.28 $2.00. Okay? So even though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return. But, obviously, it is a little bit more expensive.\n\nSo then you have to look at, obviously, the net outcome.\n\nChannel 1: Mhmm.\n\nChannel 0: You then have recommended. So this is what I have recommended that you stay in hub twenty four, but change your investment. Now the balance at the top where you see the difference of 654, can you see that?\n\nChannel 1: Mhmm.\n\nChannel 0: That is the tax again. So it's a lot lower than obviously selling everything because by making the change in the portfolio, we wouldn't have to sell all your investments. We would just change a couple. So a couple for some that's been performing a little bit better. So the capital gains tax on what I have recommended will be about 654.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now you can see here the total cost of this recommendation. So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper. So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost. Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the changes.\n\nNow\n\nChannel 1: Mhmm.\n\nChannel 0: we've also just made some changes to our coupling fees as well, which these so before, it was obviously, 1.65 was your ongoing advice fee from superannuation. But because both you and your partner is a client,\n\nChannel 1: Mhmm.\n\nChannel 0: we have reduced that to make it cheaper for you. So that is reduced to 1.1%. So that's also why you see the adviser service fee in this table being a little bit cheaper. So\n\nChannel 1: Mhmm.\n\nChannel 0: it's reducing it by about 464. Does that all make sense so far?\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Now, again, obviously, Hub 24 is a little bit more expensive than Vanguard, but it's mainly in regards to the sophistication of the platform, but mainly in regards to what it allows us to do with your investment. So we obviously have to factor in what if it's more expensive is can we do more with the return so that at the end of it, so after fees and everything, are you in a better position? So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%. So, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA.\n\nMhmm. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Now I have used the same projection forward so you can see it more in, like, the dollar value, which is page 16. Can you see that? So one page down.\n\nChannel 1: Yeah.\n\nChannel 0: So just the next page from what we were just looking, it should\n\nChannel 1: Yes.\n\nChannel 0: say projected. Yep. Perfect. So, again, same time frame, five and ten years\n\nChannel 1: Mhmm.\n\nChannel 0: so that you can see, obviously, after advised fees, after platform, have 24 fees and return, what you are projected to be on track to have. So when I kinda factored in the returns and the fees and everything, staying in Hub twenty four and changing the investment was putting you in a better position than switching it to Vanguard from your super retirement perspective. So,\n\nChannel 1: Mhmm.\n\nChannel 0: therefore, I have recommended that option for you. Now at the end of the day, it is completely up to you.\n\nChannel 1: Mhmm.\n\nChannel 0: But doing all this research that was, at the moment, anyway, the the best option for you. Now, obviously, staying on as a client, you would still get access through, obviously, not just your superannuation and portfolio management, all their ongoing services as well. But at least this gives you a bit of a comparison between the options that you were looking at, which hopefully will make it a bit easier\n\nChannel 1: Mhmm.\n\nChannel 0: for you.\n\nChannel 1: Yeah. Yeah. Yeah. It it it looks promising,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but it's just that I'm concerned when I see the the reporting in the half twenty four,\n\nChannel 0: Mhmm.\n\nChannel 1: for example, the income and expenses,\n\nChannel 0: Yep.\n\nChannel 1: when I see that the total income in the period of the from October, it was $700.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But in fees, administration plus\n\nChannel 0: Mhmm.\n\nChannel 1: minimum admin fee, plus keeping fee, plus adjustment, The total adviser fee was 680,\n\nChannel 0: Mhmm.\n\nChannel 1: and the\n\nChannel 0: Mhmm.\n\nChannel 1: total expenses is $9.40 900 and 955. So when I see that I see when I how come the total income is 700, but in fees is 900. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: the total in the year is\n\nChannel 0: So\n\nChannel 1: $11,564. So that's when I say, oh, I\n\nChannel 0: What's\n\nChannel 1: cannot\n\nChannel 0: happening? Yeah.\n\nChannel 1: not\n\nChannel 0: I\n\nChannel 1: keep.\n\nChannel 0: so on the report where it says income, that would be income generated on your investments. So that will be, like, dividends and stuff like that. So that would\n\nChannel 1: Mhmm.\n\nChannel 0: be what your money what your investments have paid into your service. So that's just the the dividends paid on your investment. You also have, obviously, your investment growth. So it is a little bit different that income alone where it says on those reports doesn't tell you how your super balance have changed because that is just the income earned on your investment. So does that make sense?\n\nChannel 1: Yeah. Well, so that income is only, like, what is is being earning in in interest in in\n\nChannel 0: Correct.\n\nChannel 1: the portfolio?\n\nChannel 0: Correct. So that is income in the period. So do you know do you know what I will do? Let me see\n\nChannel 1: But\n\nChannel 0: here.\n\nChannel 1: but if it's still in the in I mean, if the if the earnings of the interest, so\n\nChannel 0: Mhmm.\n\nChannel 1: it's still I'm not earning nothing because the fees are even higher. You know\n\nChannel 0: No\n\nChannel 1: what\n\nChannel 0: worries.\n\nChannel 1: I mean?\n\nChannel 0: I know what you mean, but on the report so in if I just do it twelve months, so what I'm do okay. What I'll do is I'll send you this one right now, the one I'm looking\n\nChannel 1: Mhmm.\n\nChannel 0: at. Just\n\nChannel 1: Mhmm.\n\nChannel 0: bear\n\nChannel 1: Yeah.\n\nChannel 0: with me. Let me save that because that makes more that makes sense because then I'm just doing a twelve month twelve month report from right now until this time last year so that you can see and then it makes probably more sense of what I'm talking about as well. Let me just save this and email this to you again. Okay. Okay.\n\nI have just sent that to you in an email again,\n\nChannel 1: Mhmm.\n\nChannel 0: which is, yeah, twelve twelve months. Sorry. Let me know when that one comes through.\n\nChannel 1: Mhmm. Not yet. No.\n\nChannel 0: That came through? Oh, not yet. Okay. Let me see here. It says\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Got\n\nChannel 0: just\n\nChannel 1: it.\n\nChannel 0: a Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Sorry. If you can open\n\nChannel 1: Alright.\n\nChannel 0: this for me.\n\nChannel 1: Yeah. Performance\n\nChannel 0: Yep.\n\nChannel 1: report. Yep.\n\nChannel 0: Correct. Yes. Now this shows you your current situation. So obviously, not what I have recommended, but currently. Now what you can see here is all your investments.\n\nWhat you\n\nChannel 1: Mhmm.\n\nChannel 0: can also see is where it says internal rate of return. So the second column to the right, can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now that is how each of your investments have performed over the last twelve months after fees. Now the one in bracket has been down. Everything else is positive. So if you scroll through the second page of this document, you will say total portfolio.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah. So this is the the one that's the most kind of when we are talking. So you can see here the market value at the start of the period. In the start of the twelve months, your super balance was at $6,067,740 and 14¢.\n\nChannel 1: Mhmm.\n\nChannel 0: At the end of the twelve months, the after fees and everything, your super was at 81,918. You can see here that it did go up quite a bit, more than that thousand dollars. You can see your income in the period, so that was income paid into your superannuation from your investment\n\nChannel 1: Mhmm.\n\nChannel 0: was 1,924. And you can also see growth in the period, so just the investment growth was 10\n\nChannel 1: Mhmm.\n\nChannel 0: thousand 604. Total earnings was 12,531.\n\nChannel 1: Mhmm.\n\nChannel 0: The internal rate of return, again, second column to the right, is everything net of fee. So this is how your portfolio did in the last twelve months after all fees came out of your account. And it was still, obviously, with the last twelve months that we have seen a lot of fluctuations in everything going on in The US and then, obviously, the war and everything. So we have seen a lot of market fluctuations the last twelve months. Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%.\n\nChannel 1: Mhmm. But okay. And from this 12,531, how much is this deducting from this?\n\nChannel 0: Not\n\nChannel 1: Mhmm.\n\nChannel 0: not from that amount. The total withdrawals that came out of your account for the last twelve months,\n\nChannel 1: Mhmm.\n\nChannel 0: so insurances, adviser fees when you came on board and everything was 3,862 in 17. So that is the withdrawal from the account, but that can also be a tax and other things. That is everything that was deducted from your account. So that is separate. So that's not the growth that's separate to it.\n\nThat's not part. That's just what you made there and then\n\nChannel 1: Mhmm.\n\nChannel 0: the the withdrawals. So which is why when you add the deposits to the account and the withdrawals and the growth, that's when you have the value difference of 67,740 versus 81,918.\n\nChannel 1: That value is isn't that high? 3,000 out of the 80 of the with 12,000 something is how much is that the percentage?\n\nChannel 0: So it's not really out of that amount because that's separate. So how your superannuation grew, that was the total amount. And then on top of that, obviously, your super grew by the 12,500 and but if you want me to just quickly do the difference, I can calculate that for you. That $1.49 $3.08 $6.02 17. It's a positive 8,669 and 32¢.\n\nChannel 1: And, I mean, in your in your experience, because at this point, I have no comparison. Is\n\nChannel 0: Yep.\n\nChannel 1: this right? I mean, 3,000 in fees annually. Is that\n\nChannel 0: It won't be annually that fee for you\n\nChannel 1: alright?\n\nChannel 0: because we have changed things. So for the first year, it tends to be more expensive because you obviously have ongoing advice fee and up front and everything like that. So the first year tends to be a little bit more of everything. But from your what you are paying and what you are getting in your investments, it's definitely competitive. Now even with our adviser fee, it's quite competitive in the market, what's out there.\n\nYou might have some that's charging a lot more, and you may have some that's charging a little bit less. But with the coupling fees that we have reduced it to at the moment, at 1.1 ongoing, it is very competitive of the market. Now if I looked at the fees, because I'm not tied like, we we are a holistic firm, so we're not tied to one hub twenty four or any style of investment. We can choose a lot of different options. We have hundreds and hundreds of different options that we can choose from, whichever is going to be the best for you.\n\nSo if\n\nChannel 1: Mhmm.\n\nChannel 0: I factored in the fees and I did the research and the fees showed that is too much for what you are getting at the end of it from a return on your investment, I would recommend that we change it through something cheaper like Vanguard. But if by changing it to Vanguard, you're not gonna get the same growth on your investment. So\n\nChannel 1: Mhmm.\n\nChannel 0: when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you have in your superannuation? After fee, it showed that hub twenty four, even though it's a little bit more expensive than, let's say, Vanguard, it was still gonna, at the end of it, put you in a better position and ensure that you have more money even though it's a little bit more expensive. But on\n\nChannel 1: Mhmm.\n\nChannel 0: a platform point of view, it is still fairly competitive. Now I use Hub twenty four personally for my superannuation as well. And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself.\n\nChannel 1: Mhmm. Right. So at the end of the day, your your advice is to keep in half 24, but change the the portfolio. Yeah.\n\nChannel 0: Correct. Yes. That is my recommendation. And that's not to say that that's always going to be the choice because\n\nChannel 1: Mhmm.\n\nChannel 0: the good thing would have what we want to do, obviously, with your annual reviews is we always wanna reassess. So right now, that is, in my recommendation, what's going to put you in the best decision and what I suggest. But that's not to say that's always going to be the choice. If in, let's say, two years or next annual review, I go and do research again and it shows, well, well, right now, maybe, let's say, Vanguard have changed their product or have changed their fees or Hub24 have increased their fees or whatever it might be, we can always\n\nChannel 1: Mhmm.\n\nChannel 0: then move you to wherever you need what's going to be the best for you. So the good thing with the, you know, the holistic and ongoing support is that at any point in time, if it's going to be better for you, we can change it. So at a minimum, under review is where it's a really good touch point of where we can reassess things for you because we can go and do but we can do that at any point. So if you call me in three months or six months and you go, you know what? I'm still not sure.\n\nCan I do some more research on these things? We can do this all part of the service. We can do that. We can change it whenever you want to. And like I said, what is there that could be in, let's say, three years, that could be a new superannuation fund that maybe opens up that's even cheaper, that has so many investment choices.\n\nIf that's better for you, then I will do the research. And if it's cheaper and have good returns, then we can recommend that for you. So it's not to say that it's going to be this. You know? Because as your super balance grow, they you know, fees and stuff like that, it's important to always reassess it.\n\nBecause, also, your situation and your life will change. You know? You might decide to, you know, go back to work, or that might change some contributions, or you might decide, you know what? I, you know, don't wanna make any contributions to super for a while. That's okay.\n\nOr you, you know, move somewhere. Like, it's always evolving around your life situation as well and what\n\nChannel 1: Mhmm.\n\nChannel 0: happens to you.\n\nChannel 1: How do I know, I mean, that your proposal of the new portfolio? I mean, how do I know that this is right?\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: I'd\n\nChannel 1: I I can see, yeah, selling\n\nChannel 0: yeah.\n\nChannel 1: the Betas Rafi,\n\nChannel 0: Mhmm.\n\nChannel 1: selling the Betas chair cybersecurity. So what is the idea is to put the shares more into into I I mean, what is the the the\n\nChannel 0: Yeah.\n\nChannel 1: strategy there?\n\nChannel 0: That's a very good question. Sorry. If you can go back into the e the document that had all the tables and everything, the other one,\n\nChannel 1: Mhmm.\n\nChannel 0: if you can go back into that one for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the investments\n\nChannel 1: Yeah.\n\nChannel 0: is on\n\nChannel 1: That's the one I'm I'm seeing.\n\nChannel 0: yeah. Oh, great. Perfect. Perfect. Yes.\n\nPage\n\nChannel 1: Yeah.\n\nChannel 0: 13. Now what I have done as well is in the appendix, which is in my email as well, which I'll let you\n\nChannel 1: Mhmm.\n\nChannel 0: have a read over in your own time, it's a sec that's where research goes. So what I have done is so that you can go, if you would like, to do your own research on the investment, I have included links. So investment links. So\n\nChannel 1: Mhmm.\n\nChannel 0: what we have recommended, there is attachments to each and every single one of them so that you can also\n\nChannel 1: Okay.\n\nChannel 0: go and have a read over it, and it's full transparency of what they are. But, essentially, from a little summary point of view, if you're on page 13, you can see investment name. That's\n\nChannel 1: Mhmm.\n\nChannel 0: what they are called. Now you can see your current rate allocation, so how much is in each option, then what the balance is equating to that. The buy and sell column. So red is what we are selling. Black\n\nChannel 1: Mhmm.\n\nChannel 0: is what we are buying. The\n\nChannel 1: Mhmm.\n\nChannel 0: target weight, you can then see what we are aiming for in terms of a percentage of this superannuation. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the one thing I do wanna say as well when it comes to the investment is that we have targeted that portfolio using kind of low cost ETF. So,\n\nChannel 1: Mhmm.\n\nChannel 0: Sandra, are you familiar with the different type of investments, like direct shares and ETFs or managed funds, or do you want me to quickly kind of explain the difference?\n\nChannel 1: If you'd be listening, it\n\nChannel 0: Yeah.\n\nChannel 1: would be\n\nChannel 0: Sure.\n\nChannel 1: great.\n\nChannel 0: So to keep it very simple, let's say so a direct share is where you invest directly into one company. So all the money goes into one specific company. So\n\nChannel 1: Mhmm.\n\nChannel 0: let's say BHP, for example.\n\nChannel 1: Mhmm.\n\nChannel 0: So if you have a direct shares, you put all the money into just one company, BHP, everything is in one option. We don't have any of direct shares in your portfolio because they can be really good, but they can obviously be a bit risky depending on what because everything goes in, so we haven't done that. Now your other option is exchange traded funds, so we call them ETF for sure. Now\n\nChannel 1: Mhmm.\n\nChannel 0: what this is, which is what what your new portfolio is, so all of the investments that I have recommended are what we would call your ETFs, and they are low cost options. Now,\n\nChannel 1: Mhmm.\n\nChannel 0: for example, how they work is instead of having everything into one company, but let's say you\n\nChannel 1: Mhmm.\n\nChannel 0: want specific sectors or industries, this is where these come in handy. So for example, can\n\nChannel 1: Yes.\n\nChannel 0: you see the IVV iShares SMP 500? Can you see that one? Yep. So this is this is a good example because in that one investment so you can see even though there's 30% into this one investment, this investment alone invests in 500 companies. So what you are invested in here is the 500 biggest companies listed in The US.\n\nSo you will have companies like Apple and Microsoft and Amazon, which you would kind of, you know, use and see every day. So the reason why this is the biggest holding is because it's very diversified because you obviously have 500 companies. So if one thing happened to one company, it wouldn't have as much of a difference than\n\nChannel 1: Mhmm.\n\nChannel 0: because it's very spread out for you. So and it's The US market is doing really well. It can fluctuate a little bit, but but it's done really well historically. So that's why it's 30% in this month. So, obviously, not a bit more it's still a growth investment because you are for you're putting it in equity, but very diversified for you.\n\nNow you then also have, for example, 8% versus iShares Europe. Can you see\n\nChannel 1: Mhmm.\n\nChannel 0: that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So this one here, again, invests in a range of different large companies in Europe. So we don't wanna put everything into one market. We don't want everything in The US or everything in Australia. We wanna kind of diversify.\n\nSo if anything happens to one market, not the whole portfolio will be affected. So\n\nChannel 1: Mhmm.\n\nChannel 0: this one kind of invest in your your large and midsize European companies. So the majority of the companies are kind of in The UK, Germany, France, Switzerland. And some of the companies, like, the biggest ones you'll have is, like, Nestle and Novo Nordisk or AstraZeneca and Shell.\n\nChannel 1: Mhmm.\n\nChannel 0: So very diversified, but only about 8% in this one. You then have five percent in Japan. You can see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And, again, it's not just into one investment. There's a range of lot of different investments into this option here for you to, again, give you the diversification, but it also means that it's a little bit cheaper. Because how they typically work is that they just track and index. So with the iShares S and P 500, you are just tracking the 500 largest company.\n\nSo as a new company comes in and gets really big and grows, it'll get added to the list. And as another one gets smaller, it falls out. So you don't need as much of that active management, which is where the higher fees comes in because it's a bit more targeted to reducing those fees for you while still giving you the diversification.\n\nChannel 1: Got it.\n\nChannel 0: You then have, yeah, you then have 8% of the second one at the bottom versus Vanguard all well. So this is a Vanguard investment that we have\n\nChannel 1: Mhmm.\n\nChannel 0: included. So in hub twenty four, you can have Vanguard investments as well.\n\nChannel 1: Mhmm.\n\nChannel 0: But this one here, investing companies all around the world, but it excludes The US because you already have exposure to The US in the other investment. So we don't wanna have too heavy in one section. Okay?\n\nChannel 1: Got it.\n\nChannel 0: Yeah? And\n\nChannel 1: Yes.\n\nChannel 0: this one invest in, you know, in Asia and emerging markets, basically, all all kind of around the globe. But then we also wanna make sure you have a bit of exposure to Australia. So that is the bottom one at 20%, which is the\n\nChannel 1: Mhmm.\n\nChannel 0: beta shares Australia 200. Now\n\nChannel 1: Yes.\n\nChannel 0: I have included this one and swapped out that Benelong Australian equities. That was the one investment that was down for you. Now Benelon, how that one is slightly different to all your other investment is that they are what we would call a managed fund. So they are a little bit more expensive because they are trying to outperform the market. So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market.\n\nAnd\n\nChannel 1: Mhmm.\n\nChannel 0: they were doing really, really, really well. But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through. And because\n\nChannel 1: Mhmm.\n\nChannel 0: of that as well, they've been a little bit slow in making their investment choices. We have decided that, you know, at least now it's not as good to invest in because there's a little bit higher in fees. And if they are not outperforming the market and it's down, there might be better options. So we are completely selling out of this one and then instead doing the beta shares Australia 200. And that one is pretty straightforward that, again, it invests in diversification, so 200 companies, but in Australia.\n\nSo the 200 largest in Australia. So you will have companies like Commonwealth and DHT and Woolworths. So, again,\n\nChannel 1: Mhmm.\n\nChannel 0: big companies to give you that diversification.\n\nChannel 1: Got it. So better than no one falls down then.\n\nChannel 0: There's there's nothing what? Sorry?\n\nChannel 1: Mhmm. Better than no one's getting to bankrupt.\n\nChannel 0: No. Exactly. And then, also, we have some defensive investments because, obviously, we don't want everything in equity and stuff like that. We have 5% in, you know, your cybersecurity section. Obviously, AI technology not going anywhere anytime soon.\n\nSo there's a lot of opportunities in this space. This one can fluctuate a little bit more, so that's by only 5%. Because it has good growth opportunities, but we also don't want too much in it if it fluctuates a little bit.\n\nChannel 1: Okay.\n\nChannel 0: You still have 10% in gold, so kind of your defensive. You're trying to smooth out fluctuations because we don't want everything in equity. You have 10% in gold still, and then you have 6% in your fixed interest. Interest. So, again, trying to have some defensive investments to smooth out.\n\nChannel 1: From this one, which is the cash.\n\nChannel 0: The cash isn't in investments here. We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger. Now, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: the the older you get and the closer you get to retirement, you wanna have more of defensive investment. But the minimum\n\nChannel 1: No.\n\nChannel 0: the minimum cash in hub twenty four is just 1.25% of the account balance, which you can kind of see under the table listed there.\n\nChannel 1: Okay. Got it.\n\nChannel 0: Yeah. And that's just to kind of keep so, you know, like, you know, fees and insurances and stuff like that so that there's enough cash for that.\n\nChannel 1: Mhmm.\n\nChannel 0: But we obviously don't wanna have too much in cash because it's not gonna grow as much as you invest.\n\nChannel 1: Okay.\n\nChannel 0: That's a good question.\n\nChannel 1: Alright.\n\nChannel 0: Mhmm.\n\nChannel 1: So I gonna\n\nChannel 0: Just\n\nChannel 1: go through this document now\n\nChannel 0: yes.\n\nChannel 1: that I can read it.\n\nChannel 0: Yes.\n\nChannel 1: Well, I would say that that your your advice must be well.\n\nChannel 0: Yeah.\n\nChannel 1: So if if I go if I go to through that advice,\n\nChannel 0: Mhmm.\n\nChannel 1: I just have\n\nChannel 0: Yep.\n\nChannel 1: to sign in, and that's it. Yeah?\n\nChannel 0: Correct. So what I have what my colleague have done for you is you should have received another email. Again, you can do it on your own time or over the weekend\n\nChannel 1: Mhmm.\n\nChannel 0: with the document. So, hopefully, that works. So let me know if it didn't. And that's if you if you are happy with the advice and you wanted to go ahead, you can just sign that one, which should be the newest email, and that should have everything in it.\n\nChannel 1: Okay.\n\nChannel 0: When when you sign, it will come back to me, and I can see it, and I can let the team know that we go ahead with the change. Take\n\nChannel 1: Okay.\n\nChannel 0: your time to read it. Like I said as well, it is not a lock in contract. So if at any point in time you change your mind, you're not locked in. Adviser fees is only deducted on a monthly basis even though all the fees and everything is calculated annually for you to show you the figure. It only comes out on a monthly basis.\n\nSo even if you go, okay. Well, let's just give it a go and see how things go, and then you call me in three months or six months or ten months and you've changed your mind, there is no lock in contract or excess fees or anything like that if you do change your mind at the end.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Does that make\n\nChannel 1: good to\n\nChannel 0: sense?\n\nChannel 1: know.\n\nChannel 0: Yeah.\n\nChannel 1: That makes sense. Thanks very much for your explanation.\n\nChannel 0: No. That is okay. I know it's a lot to go through. So thank you for your patience as well and everything. Everything is there for you.\n\nHave a read over it. Take your time.\n\nChannel 1: Yeah. No.\n\nChannel 0: And, yeah, let me know\n\nChannel 1: Thanks\n\nChannel 0: how\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: your your research and take\n\nChannel 0: Uh-huh. Of\n\nChannel 1: the\n\nChannel 0: course.\n\nChannel 1: time to do it.\n\nChannel 0: Yeah. Of\n\nChannel 1: So,\n\nChannel 0: course.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: gonna\n\nChannel 0: what I'm\n\nChannel 1: go\n\nChannel 0: here for.\n\nChannel 1: through that in\n\nChannel 0: Yep.\n\nChannel 1: the weekend,\n\nChannel 0: Yep.\n\nChannel 1: and I'll\n\nChannel 0: Perfect.\n\nChannel 1: let you know next week\n\nChannel 0: Yep.\n\nChannel 1: on Monday.\n\nChannel 0: Perfect. Perfect. Thank you so much, Sandra. I will let you go. Thanks for your time, and I look forward to hearing from you soon.\n\nChannel 1: Thanks, Veronica. Have a good\n\nChannel 0: Thank\n\nChannel 1: afternoon.\n\nChannel 0: you. You too,\n\nChannel 1: Okay.\n\nChannel 0: Sandra.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.06860923022031784}],"sentiment":"neutral","sentiment_score":0.06860923022031784,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Good afternoon, Sandra.","start":3.1999998,"end":4.24,"sentiment":"neutral","sentiment_score":0.3237705131371816},{"text":"It's Veronica from Financial.","start":4.24,"end":5.62,"sentiment":"neutral","sentiment_score":0.26163189485669136},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.20646549761295319}],"sentiment":"neutral","sentiment_score":0.263723561167717,"channel":0,"num_words":10,"start":3.1999998,"end":6.8999996},{"sentences":[{"text":"Hi.","start":7.2799997,"end":7.52,"sentiment":"neutral","sentiment_score":0.1785922348499298},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.18422898650169373}],"sentiment":"neutral","sentiment_score":0.18281979858875275,"channel":1,"num_words":4,"start":7.2799997,"end":8.34},{"sentences":[{"text":"Good.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.5911225080490112},{"text":"Thanks.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.6255356073379517},{"text":"How are you?","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.3411313096682231},{"text":"I had you booked in just to go over, you know, the research on your super and showing you, like, the comparisons and stuff that you were looking at.","start":13.215,"end":23.154999,"sentiment":"neutral","sentiment_score":0.2755461288937207},{"text":"Is now still a good is now still a good time to go over that?","start":23.455,"end":26.915,"sentiment":"positive","sentiment_score":0.3939238727092743}],"sentiment":"neutral","sentiment_score":0.3293826096520132,"channel":0,"num_words":49,"start":8.72,"end":26.915},{"sentences":[{"text":"Yeah.","start":27.064999,"end":27.564999,"sentiment":"neutral","sentiment_score":0.10837726294994354},{"text":"Yeah.","start":27.704998,"end":27.865,"sentiment":"neutral","sentiment_score":0.11082888394594193},{"text":"Yeah.","start":27.865,"end":28.105,"sentiment":"neutral","sentiment_score":0.12313136458396912},{"text":"Let's do it.","start":28.105,"end":28.664999,"sentiment":"neutral","sentiment_score":0.15012741585572562}],"sentiment":"neutral","sentiment_score":0.1321199598411719,"channel":1,"num_words":6,"start":27.064999,"end":28.664999},{"sentences":[{"text":"Yeah.","start":28.62,"end":29.12,"sentiment":"neutral","sentiment_score":0.10306303203105928}],"sentiment":"neutral","sentiment_score":0.10306303203105928,"channel":0,"num_words":1,"start":28.62,"end":29.12},{"sentences":[{"text":"Otherwise, I don't need to.","start":28.664999,"end":30.365,"sentiment":"neutral","sentiment_score":0.04558028280735016}],"sentiment":"neutral","sentiment_score":0.04558028280735016,"channel":1,"num_words":5,"start":28.664999,"end":30.365},{"sentences":[{"text":"I will try to make it quick for you.","start":31.26,"end":33.52,"sentiment":"neutral","sentiment_score":0.13856598486502966}],"sentiment":"neutral","sentiment_score":0.13856598486502966,"channel":0,"num_words":9,"start":31.26,"end":33.52},{"sentences":[{"text":"Yeah.","start":33.8,"end":34.3,"sentiment":"neutral","sentiment_score":0.06885531544685364}],"sentiment":"neutral","sentiment_score":0.06885531544685364,"channel":1,"num_words":1,"start":33.8,"end":34.3},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":34.7,"end":42.0,"sentiment":"neutral","sentiment_score":0.03177014882836876}],"sentiment":"neutral","sentiment_score":0.03177014882836876,"channel":0,"num_words":29,"start":34.7,"end":42.0},{"sentences":[{"text":"Mhmm.","start":43.239998,"end":43.32,"sentiment":"neutral","sentiment_score":0.03843735530972481},{"text":"Okay.","start":43.32,"end":43.82,"sentiment":"neutral","sentiment_score":0.11364935338497162}],"sentiment":"neutral","sentiment_score":0.07604335434734821,"channel":1,"num_words":2,"start":43.239998,"end":43.82},{"sentences":[{"text":"Perfect.","start":44.015,"end":44.515,"sentiment":"neutral","sentiment_score":0.269273966550827},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":44.895,"end":54.675003,"sentiment":"neutral","sentiment_score":0.10155800575840063}],"sentiment":"neutral","sentiment_score":0.10714853778481484,"channel":0,"num_words":30,"start":44.015,"end":54.675003},{"sentences":[{"text":"Sandra Mirna Corteffall.","start":55.664997,"end":57.284996,"sentiment":"neutral","sentiment_score":0.02302733187874158},{"text":"The address is 42 Lay Street.","start":59.024998,"end":62.405,"sentiment":"neutral","sentiment_score":0.02341446280479431},{"text":"And what is the order?","start":64.57,"end":66.51,"sentiment":"neutral","sentiment_score":0.022692302986979485}],"sentiment":"neutral","sentiment_score":0.02307359195713486,"channel":1,"num_words":14,"start":55.664997,"end":66.51},{"sentences":[{"text":"Yeah.","start":66.17,"end":66.67,"sentiment":"neutral","sentiment_score":0.03243543207645416},{"text":"Just date of birth as well, please.","start":66.97,"end":68.83,"sentiment":"neutral","sentiment_score":0.03601253192339625}],"sentiment":"neutral","sentiment_score":0.035565394442528486,"channel":0,"num_words":8,"start":66.17,"end":68.83},{"sentences":[{"text":"Fourteen o four four nineteen eighty two.","start":68.97,"end":71.31,"sentiment":"neutral","sentiment_score":0.028524759092501233}],"sentiment":"neutral","sentiment_score":0.028524759092501233,"channel":1,"num_words":7,"start":68.97,"end":71.31},{"sentences":[{"text":"Yeah.","start":71.665,"end":71.985,"sentiment":"neutral","sentiment_score":0.1857050359249115},{"text":"Amazing.","start":71.985,"end":72.485,"sentiment":"positive","sentiment_score":0.5206108093261719},{"text":"Perfect.","start":72.545006,"end":73.025,"sentiment":"positive","sentiment_score":0.5028035044670105},{"text":"And how's your day been so far?","start":73.025,"end":74.545006,"sentiment":"neutral","sentiment_score":0.2067970825093133},{"text":"I've been busy.","start":74.545006,"end":75.285,"sentiment":"neutral","sentiment_score":-0.08477237199743588}],"sentiment":"neutral","sentiment_score":0.1847986008685369,"channel":0,"num_words":13,"start":71.665,"end":75.285},{"sentences":[{"text":"Yes.","start":76.41,"end":76.89,"sentiment":"neutral","sentiment_score":0.12414281815290452},{"text":"Very easy.","start":76.89,"end":77.630005,"sentiment":"neutral","sentiment_score":0.24466462433338165}],"sentiment":"neutral","sentiment_score":0.20449068893988928,"channel":1,"num_words":3,"start":76.41,"end":77.630005},{"sentences":[{"text":"Yeah.","start":77.185005,"end":77.685005,"sentiment":"neutral","sentiment_score":0.04716988652944565},{"text":"Well, like I said, I will try not to make it too long for you.","start":78.385,"end":82.005005,"sentiment":"neutral","sentiment_score":-0.006998142972588539},{"text":"Now, Sandra, do you have access to your emails at the 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you to sign right away, but it will allow you to open the document to view it","start":143.16,"end":148.70001,"sentiment":"neutral","sentiment_score":0.05288976759184152}],"sentiment":"neutral","sentiment_score":0.05988342856715729,"channel":0,"num_words":41,"start":137.8,"end":148.70001},{"sentences":[{"text":"Mhmm.","start":149.15001,"end":149.65001,"sentiment":"neutral","sentiment_score":0.036300837993621826}],"sentiment":"neutral","sentiment_score":0.036300837993621826,"channel":1,"num_words":1,"start":149.15001,"end":149.65001},{"sentences":[{"text":"first.","start":149.68501,"end":150.16501,"sentiment":"neutral","sentiment_score":0.026158824563026428},{"text":"So if you can click on that link for me, you should then see a cover page where it says, okay, financial statement of the device.","start":150.16501,"end":158.585,"sentiment":"neutral","sentiment_score":0.061371634499384806},{"text":"Can you see that okay?","start":158.725,"end":160.02501,"sentiment":"neutral","sentiment_score":0.08101164549589157},{"text":"Yeah.","start":160.085,"end":160.565,"sentiment":"neutral","sentiment_score":0.13401079177856445}],"sentiment":"neutral","sentiment_score":0.06548152547894102,"channel":0,"num_words":33,"start":149.68501,"end":160.565},{"sentences":[{"text":"Yes.","start":160.445,"end":160.945,"sentiment":"positive","sentiment_score":0.42704787850379944}],"sentiment":"positive","sentiment_score":0.42704787850379944,"channel":1,"num_words":1,"start":160.445,"end":160.945},{"sentences":[{"text":"Perfect.","start":160.565,"end":161.065,"sentiment":"positive","sentiment_score":0.7082203030586243},{"text":"So this is basically the the recommendation and everything for you.","start":161.57,"end":164.85,"sentiment":"positive","sentiment_score":0.5292736644094641},{"text":"So I have done some research on your current superannuation, specifically focusing on trying to reduce the fees because I know you 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thirteenth.","start":220.67001,"end":229.57,"sentiment":"neutral","sentiment_score":0.14307523425668478},{"text":"So if you could let me know on Monday what you would like to do.","start":230.285,"end":235.985,"sentiment":"neutral","sentiment_score":0.17221452097098033}],"sentiment":"neutral","sentiment_score":0.14356998046239217,"channel":0,"num_words":75,"start":208.02501,"end":235.985},{"sentences":[{"text":"Mhmm.","start":236.605,"end":237.105,"sentiment":"neutral","sentiment_score":0.12175102531909944}],"sentiment":"neutral","sentiment_score":0.12175102531909944,"channel":1,"num_words":1,"start":236.605,"end":237.105},{"sentences":[{"text":"It's completely up to you at the end of the day, but at least you have a couple of days and the weekend to tryna, you know, take your time and have a read over everything as 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all?","start":267.715,"end":269.815,"sentiment":"neutral","sentiment_score":0.010076533304527402}],"sentiment":"neutral","sentiment_score":0.04903429666800158,"channel":0,"num_words":21,"start":263.475,"end":269.815},{"sentences":[{"text":"No.","start":272.17,"end":272.67,"sentiment":"neutral","sentiment_score":-0.3247421085834503}],"sentiment":"neutral","sentiment_score":-0.3247421085834503,"channel":1,"num_words":1,"start":272.17,"end":272.67},{"sentences":[{"text":"No.","start":272.93,"end":273.43,"sentiment":"neutral","sentiment_score":-0.09257163852453232},{"text":"So, basically, what it is, it is a legal requirement that we have to follow, and it basically means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.","start":273.72998,"end":292.35498,"sentiment":"neutral","sentiment_score":0.1500193003793152},{"text":"Otherwise, I cannot actually make the recommendation.","start":292.35498,"end":294.695,"sentiment":"neutral","sentiment_score":-0.21259272524288722},{"text":"So there","start":295.475,"end":295.875,"sentiment":"neutral","sentiment_score":-0.06867008656263351}],"sentiment":"neutral","sentiment_score":0.0954726242412955,"channel":0,"num_words":59,"start":272.93,"end":295.875},{"sentences":[{"text":"Not.","start":295.73,"end":296.23,"sentiment":"neutral","sentiment_score":-0.06986009329557419}],"sentiment":"neutral","sentiment_score":-0.06986009329557419,"channel":1,"num_words":1,"start":295.73,"end":296.23},{"sentences":[{"text":"is a lot of protection for you as clients that we have to follow, and that is to make sure that we always just focus on your needs and your goals and make that into consideration when we are making advice.","start":295.875,"end":309.94,"sentiment":"neutral","sentiment_score":0.033964836106794634},{"text":"Does 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sense?","start":310.56,"end":311.22,"sentiment":"neutral","sentiment_score":0.024319770745933056}],"sentiment":"neutral","sentiment_score":0.024319770745933056,"channel":0,"num_words":2,"start":310.56,"end":311.22},{"sentences":[{"text":"Yeah.","start":311.345,"end":311.845,"sentiment":"neutral","sentiment_score":0.11807616055011748}],"sentiment":"neutral","sentiment_score":0.11807616055011748,"channel":1,"num_words":1,"start":311.345,"end":311.845},{"sentences":[{"text":"Yeah.","start":312.08,"end":312.4,"sentiment":"neutral","sentiment_score":0.29931652545928955},{"text":"Great.","start":312.4,"end":312.9,"sentiment":"positive","sentiment_score":0.5972155332565308},{"text":"Now next page, table of content.","start":313.39502,"end":316.695,"sentiment":"neutral","sentiment_score":0.2999962270259857},{"text":"Pretty self explanatory.","start":316.755,"end":317.975,"sentiment":"positive","sentiment_score":0.3756759266058604}],"sentiment":"positive","sentiment_score":0.347594290971756,"channel":0,"num_words":11,"start":312.08,"end":317.975},{"sentences":[{"text":"Mhmm.","start":319.025,"end":319.525,"sentiment":"neutral","sentiment_score":0.09741036593914032}],"sentiment":"neutral","sentiment_score":0.09741036593914032,"channel":1,"num_words":1,"start":319.025,"end":319.525},{"sentences":[{"text":"The the following page is kind of talking about scope of advice.","start":319.155,"end":323.635,"sentiment":"neutral","sentiment_score":0.09580826355765264},{"text":"So, basically, what this is is the areas we are looking at today.","start":323.635,"end":327.33502,"sentiment":"neutral","sentiment_score":0.12354046908708718},{"text":"So","start":327.74,"end":327.98,"sentiment":"neutral","sentiment_score":0.08957432955503464}],"sentiment":"neutral","sentiment_score":0.10943459962996152,"channel":0,"num_words":26,"start":319.155,"end":327.98},{"sentences":[{"text":"Mhmm.","start":327.93,"end":328.43,"sentiment":"neutral","sentiment_score":0.09750565141439438}],"sentiment":"neutral","sentiment_score":0.09750565141439438,"channel":1,"num_words":1,"start":327.93,"end":328.43},{"sentences":[{"text":"simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you.","start":327.98,"end":340.0,"sentiment":"neutral","sentiment_score":0.17306158546772268},{"text":"We're not making any changes or anything to your insurances in this stage.","start":340.315,"end":344.555,"sentiment":"neutral","sentiment_score":-0.21083628844756347},{"text":"So simply just focusing on your superannuation.","start":344.555,"end":346.975,"sentiment":"neutral","sentiment_score":0.022502266934939792}],"sentiment":"neutral","sentiment_score":0.06512252134936196,"channel":0,"num_words":56,"start":327.98,"end":346.975},{"sentences":[{"text":"Mhmm.","start":348.28,"end":348.78,"sentiment":"neutral","sentiment_score":0.07370389997959137}],"sentiment":"neutral","sentiment_score":0.07370389997959137,"channel":1,"num_words":1,"start":348.28,"end":348.78},{"sentences":[{"text":"Yep.","start":348.79498,"end":349.275,"sentiment":"neutral","sentiment_score":0.1926198452711105},{"text":"Perfect.","start":349.275,"end":349.775,"sentiment":"positive","sentiment_score":0.4055909216403961},{"text":"Now if you can scroll through to for me, you will see page five and page six.","start":350.395,"end":355.74,"sentiment":"neutral","sentiment_score":0.13920886201017044},{"text":"Just some personal information in regards to yourself.","start":356.06,"end":359.52,"sentiment":"neutral","sentiment_score":0.13024985790252686},{"text":"Just have a quick read over that for me if there's anything I need to update in the back end.","start":360.06,"end":364.88,"sentiment":"neutral","sentiment_score":0.12812145091593266}],"sentiment":"neutral","sentiment_score":0.13976998516219727,"channel":0,"num_words":47,"start":348.79498,"end":364.88},{"sentences":[{"text":"Otherwise, if you wanna scroll to page seven when you're ready.","start":365.9,"end":368.96,"sentiment":"neutral","sentiment_score":0.05429889363321391}],"sentiment":"neutral","sentiment_score":0.05429889363321391,"channel":0,"num_words":11,"start":365.9,"end":368.96},{"sentences":[{"text":"Yeah.","start":373.68,"end":374.18,"sentiment":"neutral","sentiment_score":0.016681943088769913},{"text":"Well, I I only see that investor type and then the important relationships.","start":374.88,"end":382.9,"sentiment":"neutral","sentiment_score":-0.014740336471452163},{"text":"That's it.","start":383.92,"end":384.74002,"sentiment":"neutral","sentiment_score":-0.013286539353430271},{"text":"Yeah.","start":386.115,"end":386.615,"sentiment":"neutral","sentiment_score":-0.043699465692043304},{"text":"But I don't find I mean, the conclusion that you get everything I I mean, from your research is not in this document, isn't it?","start":386.915,"end":396.775,"sentiment":"neutral","sentiment_score":-0.1816818305850029}],"sentiment":"neutral","sentiment_score":-0.11398239857295439,"channel":1,"num_words":42,"start":373.68,"end":396.775},{"sentences":[{"text":"It is.","start":396.99503,"end":397.635,"sentiment":"neutral","sentiment_score":-0.012829264625906944},{"text":"It is.","start":397.635,"end":398.27502,"sentiment":"neutral","sentiment_score":0.020920874550938606},{"text":"Yes.","start":398.27502,"end":398.67502,"sentiment":"neutral","sentiment_score":0.08219238370656967},{"text":"The recommendation is in this document.","start":398.67502,"end":400.535,"sentiment":"neutral","sentiment_score":0.07466993170479934}],"sentiment":"neutral","sentiment_score":0.049672290344129906,"channel":0,"num_words":11,"start":396.99503,"end":400.535},{"sentences":[{"text":"Okay.","start":404.17,"end":404.67,"sentiment":"neutral","sentiment_score":0.0538727231323719},{"text":"Okay.","start":405.05002,"end":405.55002,"sentiment":"neutral","sentiment_score":0.046152252703905106}],"sentiment":"neutral","sentiment_score":0.050012487918138504,"channel":1,"num_words":2,"start":404.17,"end":405.55002},{"sentences":[{"text":"So it will come a little bit as I go through it.","start":405.97,"end":408.85,"sentiment":"neutral","sentiment_score":0.060340956008682646},{"text":"Sorry.","start":408.85,"end":409.35,"sentiment":"neutral","sentiment_score":-0.037522830069065094}],"sentiment":"neutral","sentiment_score":0.052812972464240514,"channel":0,"num_words":13,"start":405.97,"end":409.35},{"sentences":[{"text":"Mhmm.","start":409.77002,"end":410.27002,"sentiment":"neutral","sentiment_score":-0.0005806847475469112}],"sentiment":"neutral","sentiment_score":-0.0005806847475469112,"channel":1,"num_words":1,"start":409.77002,"end":410.27002},{"sentences":[{"text":"Can you can you see page seven for me first?","start":410.21,"end":412.94998,"sentiment":"neutral","sentiment_score":0.016062365286052226},{"text":"Can","start":413.09,"end":413.33,"sentiment":"neutral","sentiment_score":0.02970879338681698}],"sentiment":"neutral","sentiment_score":0.017302949658849022,"channel":0,"num_words":11,"start":410.21,"end":413.33},{"sentences":[{"text":"Yes.","start":413.29,"end":413.775,"sentiment":"neutral","sentiment_score":0.0585286058485508}],"sentiment":"neutral","sentiment_score":0.0585286058485508,"channel":1,"num_words":1,"start":413.29,"end":413.775},{"sentences":[{"text":"you see what that yep.","start":413.33,"end":414.53,"sentiment":"neutral","sentiment_score":0.05657555982470512},{"text":"Perfect.","start":414.53,"end":415.03,"sentiment":"positive","sentiment_score":0.41215935349464417},{"text":"So first of all, it's it's just a little bit of just some general information for your reference, but we will get very soon to the what the recommendation is.","start":415.49,"end":424.195,"sentiment":"neutral","sentiment_score":0.19850297669569653},{"text":"But this just basically outlines, you currently have your Subaru in Hub 24.","start":424.975,"end":428.895,"sentiment":"neutral","sentiment_score":0.07862208840938714},{"text":"You also have your Clearview insurances.","start":428.895,"end":430.995,"sentiment":"neutral","sentiment_score":0.09808839733401935}],"sentiment":"neutral","sentiment_score":0.15019534521482208,"channel":0,"num_words":55,"start":413.33,"end":430.995},{"sentences":[{"text":"Mhmm.","start":431.87,"end":432.37,"sentiment":"neutral","sentiment_score":0.03733980283141136}],"sentiment":"neutral","sentiment_score":0.03733980283141136,"channel":1,"num_words":1,"start":431.87,"end":432.37},{"sentences":[{"text":"Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own 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funds,","start":476.02502,"end":485.02,"sentiment":"neutral","sentiment_score":-0.16233733808621764}],"sentiment":"neutral","sentiment_score":-0.16233733808621764,"channel":1,"num_words":16,"start":476.02502,"end":485.02},{"sentences":[{"text":"Yep.","start":484.815,"end":485.315,"sentiment":"neutral","sentiment_score":-0.040919989347457886}],"sentiment":"neutral","sentiment_score":-0.040919989347457886,"channel":0,"num_words":1,"start":484.815,"end":485.315},{"sentences":[{"text":"which is","start":485.32,"end":485.88,"sentiment":"neutral","sentiment_score":-0.002820594236254692}],"sentiment":"neutral","sentiment_score":-0.002820594236254692,"channel":1,"num_words":2,"start":485.32,"end":485.88},{"sentences":[{"text":"Yep.","start":485.615,"end":486.115,"sentiment":"neutral","sentiment_score":0.005469158291816711}],"sentiment":"neutral","sentiment_score":0.005469158291816711,"channel":0,"num_words":1,"start":485.615,"end":486.115},{"sentences":[{"text":"the most","start":485.88,"end":486.44,"sentiment":"neutral","sentiment_score":0.06764861568808556}],"sentiment":"neutral","sentiment_score":0.06764861568808556,"channel":1,"num_words":2,"start":485.88,"end":486.44},{"sentences":[{"text":"Important for you?","start":488.03,"end":489.09,"sentiment":"neutral","sentiment_score":0.06943478931983312}],"sentiment":"neutral","sentiment_score":0.06943478931983312,"channel":0,"num_words":3,"start":488.03,"end":489.09},{"sentences":[{"text":"yeah.","start":489.32,"end":489.82,"sentiment":"neutral","sentiment_score":0.08707604557275772}],"sentiment":"neutral","sentiment_score":0.08707604557275772,"channel":1,"num_words":1,"start":489.32,"end":489.82},{"sentences":[{"text":"Yes.","start":489.95,"end":490.35,"sentiment":"neutral","sentiment_score":0.3050517439842224},{"text":"Perfect.","start":490.35,"end":490.75,"sentiment":"positive","sentiment_score":0.6051186919212341},{"text":"It is coming very soon for you.","start":490.75,"end":492.69,"sentiment":"positive","sentiment_score":0.5181722726140704},{"text":"So if you wanna scroll to page 10,","start":492.91,"end":495.97,"sentiment":"neutral","sentiment_score":0.09651750046759844}],"sentiment":"neutral","sentiment_score":0.31232449105557275,"channel":0,"num_words":17,"start":489.95,"end":495.97},{"sentences":[{"text":"Yeah.","start":497.29498,"end":497.79498,"sentiment":"neutral","sentiment_score":0.12792065739631653}],"sentiment":"neutral","sentiment_score":0.12792065739631653,"channel":1,"num_words":1,"start":497.29498,"end":497.79498},{"sentences":[{"text":"you will see the actual recommendation.","start":497.39,"end":499.81,"sentiment":"neutral","sentiment_score":0.13545546432336172},{"text":"What I'll go, I'll go to the tables first.","start":500.495,"end":502.815,"sentiment":"neutral","sentiment_score":0.11626927223470476},{"text":"So what I have recommended after doing all the research is that you stay in hub twenty four and change your investment.","start":502.815,"end":511.715,"sentiment":"neutral","sentiment_score":0.1799867224286903},{"text":"I will go through the changes and what they look like for you as well as the comparisons so that you can see that for yourself.","start":512.41504,"end":520.02,"sentiment":"neutral","sentiment_score":0.25034902645991397}],"sentiment":"neutral","sentiment_score":0.1956815685308169,"channel":0,"num_words":63,"start":497.39,"end":520.02},{"sentences":[{"text":"But I don't have page 10.","start":520.685,"end":522.845,"sentiment":"neutral","sentiment_score":-0.21239597474535307},{"text":"My my document finish at page nine.","start":522.845,"end":527.105,"sentiment":"neutral","sentiment_score":-0.194005942770413}],"sentiment":"neutral","sentiment_score":-0.20249364983576995,"channel":1,"num_words":13,"start":520.685,"end":527.105},{"sentences":[{"text":"Okay.","start":530.25494,"end":530.65497,"sentiment":"neutral","sentiment_score":-0.1251080483198166},{"text":"Which is probably why you can't see see those comparisons.","start":530.65497,"end":533.39496,"sentiment":"neutral","sentiment_score":-0.19261866211891174},{"text":"Let me have a look here for you.","start":534.975,"end":537.235,"sentiment":"neutral","sentiment_score":-0.010496860602870584},{"text":"So what did your documents finish it?","start":542.75,"end":544.99,"sentiment":"neutral","sentiment_score":-0.028244048090917722},{"text":"What does it say that it just finishes at page 10?","start":544.99,"end":547.97,"sentiment":"neutral","sentiment_score":-0.05729398639364676}],"sentiment":"neutral","sentiment_score":-0.08008680381887667,"channel":0,"num_words":37,"start":530.25494,"end":547.97},{"sentences":[{"text":"No.","start":548.83496,"end":549.15497,"sentiment":"neutral","sentiment_score":-0.18992386758327484},{"text":"It finishes at eight nine with the life insurance through superannuation, and that's it.","start":549.15497,"end":558.115,"sentiment":"neutral","sentiment_score":-0.11810168943234853},{"text":"It finishes there.","start":558.115,"end":559.41,"sentiment":"neutral","sentiment_score":-0.08679665873448054}],"sentiment":"neutral","sentiment_score":-0.11687430532442199,"channel":1,"num_words":18,"start":548.83496,"end":559.41},{"sentences":[{"text":"Okay.","start":560.685,"end":561.185,"sentiment":"neutral","sentiment_score":0.04437778890132904},{"text":"What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see.","start":561.645,"end":577.82996,"sentiment":"neutral","sentiment_score":0.0370516466597716}],"sentiment":"neutral","sentiment_score":0.03724965050413802,"channel":0,"num_words":37,"start":560.685,"end":577.82996},{"sentences":[{"text":"Yeah.","start":578.385,"end":578.885,"sentiment":"neutral","sentiment_score":0.11334708333015442}],"sentiment":"neutral","sentiment_score":0.11334708333015442,"channel":1,"num_words":1,"start":578.385,"end":578.885},{"sentences":[{"text":"So my colleague will just put that through the system now so you will get a new email 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we","start":707.245,"end":707.645,"sentiment":"neutral","sentiment_score":0.048204921185970306}],"sentiment":"neutral","sentiment_score":-0.01089261637793647,"channel":0,"num_words":18,"start":700.125,"end":707.645},{"sentences":[{"text":"Mhmm.","start":707.52997,"end":707.835,"sentiment":"neutral","sentiment_score":0.028137940913438797}],"sentiment":"neutral","sentiment_score":0.028137940913438797,"channel":1,"num_words":1,"start":707.52997,"end":707.835},{"sentences":[{"text":"obviously don't want you to pay, you know, the the tax, but we also wanna make sure we also switch you to the investment that's going to do good.","start":707.645,"end":715.61,"sentiment":"neutral","sentiment_score":0.031825669880571034},{"text":"So if you are just selling out of everything and moving, the tax will be about that 2,087, which is why the balance looks a bit different on the table, which you will see shortly.","start":715.99,"end":728.50494,"sentiment":"neutral","sentiment_score":-0.1538696316736085},{"text":"Basically, it will take your your balance to about 81,796.","start":729.44495,"end":735.46497,"sentiment":"neutral","sentiment_score":-0.010522551229223609},{"text":"So I've used that for comparing straight Vanguard, straight Virgin, and straight Hepa super for you.","start":736.47003,"end":743.21,"sentiment":"neutral","sentiment_score":0.2520850067958236},{"text":"Now in the comparison research, I have just to, again, give you as close comparisons as possible.","start":743.35004,"end":751.84503,"sentiment":"neutral","sentiment_score":0.29980622494921966}],"sentiment":"neutral","sentiment_score":0.04263876391156951,"channel":0,"num_words":107,"start":707.645,"end":751.84503},{"sentences":[{"text":"I have just left your current Clearview insurances.","start":752.465,"end":755.765,"sentiment":"neutral","sentiment_score":0.1439265999943018},{"text":"So you can move them if if you wanted to keep them.","start":755.985,"end":760.47,"sentiment":"neutral","sentiment_score":0.14097925772269568},{"text":"So that's not that's a completely separate company clear view.","start":760.79,"end":763.43,"sentiment":"neutral","sentiment_score":0.05652693584561348},{"text":"It's not tied to your current hub twenty four.","start":763.43,"end":766.00995,"sentiment":"neutral","sentiment_score":0.012405401716629664},{"text":"So just for for these purposes, I have just factored in your current insurances if it is that you decide to keep Does that make sense so far?","start":766.23,"end":776.165,"sentiment":"neutral","sentiment_score":0.09934999846986362}],"sentiment":"neutral","sentiment_score":0.0940579376669962,"channel":0,"num_words":67,"start":752.465,"end":776.165},{"sentences":[{"text":"Yes.","start":776.88,"end":777.38,"sentiment":"neutral","sentiment_score":0.20018088817596436}],"sentiment":"neutral","sentiment_score":0.20018088817596436,"channel":1,"num_words":1,"start":776.88,"end":777.38},{"sentences":[{"text":"Yep.","start":777.58496,"end":778.08496,"sentiment":"neutral","sentiment_score":0.23062001168727875},{"text":"Now with your Vanguard Super, I have used a three year rolling average when I compare the returns on all portfolio.","start":778.46497,"end":787.765,"sentiment":"positive","sentiment_score":0.3460655098869687},{"text":"Some didn't have five years, so that's why we've used three on everything to make it more like for like.","start":789.85,"end":798.19,"sentiment":"neutral","sentiment_score":0.22473585568368434},{"text":"Now we have just issued that new document to you, so let me know if that came through through okay.","start":799.77,"end":807.015,"sentiment":"neutral","sentiment_score":0.25809507742524146}],"sentiment":"neutral","sentiment_score":0.2766873287337442,"channel":0,"num_words":62,"start":777.58496,"end":807.015},{"sentences":[{"text":"Yeah.","start":807.17,"end":807.41,"sentiment":"neutral","sentiment_score":0.1554042547941208},{"text":"Yeah.","start":807.41,"end":807.73,"sentiment":"neutral","sentiment_score":0.14978405833244324}],"sentiment":"neutral","sentiment_score":0.152594156563282,"channel":1,"num_words":2,"start":807.17,"end":807.73},{"sentences":[{"text":"Yes?","start":807.555,"end":807.955,"sentiment":"neutral","sentiment_score":0.13464002311229706}],"sentiment":"neutral","sentiment_score":0.13464002311229706,"channel":0,"num_words":1,"start":807.555,"end":807.955},{"sentences":[{"text":"I 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hopefully, you have everything now.","start":809.555,"end":811.655,"sentiment":"positive","sentiment_score":0.39760156472524005}],"sentiment":"positive","sentiment_score":0.39760156472524005,"channel":0,"num_words":6,"start":809.555,"end":811.655},{"sentences":[{"text":"mhmm.","start":811.25,"end":811.75,"sentiment":"neutral","sentiment_score":0.034752655774354935},{"text":"The appendix again.","start":812.20996,"end":814.20996,"sentiment":"neutral","sentiment_score":0.018206837276617687},{"text":"Yeah.","start":814.20996,"end":814.70996,"sentiment":"neutral","sentiment_score":0.020436257123947144}],"sentiment":"neutral","sentiment_score":0.021961884945631026,"channel":1,"num_words":5,"start":811.25,"end":814.70996},{"sentences":[{"text":"If you click on the link where it says sign now,","start":815.09,"end":817.83,"sentiment":"neutral","sentiment_score":0.027104485610669308}],"sentiment":"neutral","sentiment_score":0.027104485610669308,"channel":0,"num_words":11,"start":815.09,"end":817.83},{"sentences":[{"text":"Mhmm.","start":818.12994,"end":818.62994,"sentiment":"neutral","sentiment_score":0.009424942545592783},{"text":"Yeah.","start":819.945,"end":820.445,"sentiment":"neutral","sentiment_score":0.010948226787149906},{"text":"Let me see.","start":821.065,"end":821.865,"sentiment":"neutral","sentiment_score":-0.004411120278139909},{"text":"No.","start":821.865,"end":822.10504,"sentiment":"neutral","sentiment_score":-0.12160515785217284},{"text":"It's the same I have.","start":822.10504,"end":823.405,"sentiment":"neutral","sentiment_score":-0.0933008462190628}],"sentiment":"neutral","sentiment_score":-0.05281541640446945,"channel":1,"num_words":11,"start":818.12994,"end":823.405},{"sentences":[{"text":"It's the same finish in beige night.","start":824.34503,"end":828.365,"sentiment":"neutral","sentiment_score":-0.023840835317969322}],"sentiment":"neutral","sentiment_score":-0.023840835317969322,"channel":1,"num_words":7,"start":824.34503,"end":828.365},{"sentences":[{"text":"It still finishes on page nine.","start":828.86505,"end":830.72504,"sentiment":"neutral","sentiment_score":-0.029188883180419605}],"sentiment":"neutral","sentiment_score":-0.029188883180419605,"channel":0,"num_words":6,"start":828.86505,"end":830.72504},{"sentences":[{"text":"Yeah.","start":830.905,"end":831.405,"sentiment":"neutral","sentiment_score":0.014604223892092705}],"sentiment":"neutral","sentiment_score":0.014604223892092705,"channel":1,"num_words":1,"start":830.905,"end":831.405},{"sentences":[{"text":"Okay.","start":834.22504,"end":834.72504,"sentiment":"neutral","sentiment_score":0.023781906813383102},{"text":"What I might do is just send you the document by itself on email so you can","start":834.86505,"end":845.04,"sentiment":"neutral","sentiment_score":0.07786562929258627}],"sentiment":"neutral","sentiment_score":0.07486097804374164,"channel":0,"num_words":18,"start":834.22504,"end":845.04},{"sentences":[{"text":"Mhmm.","start":844.88,"end":845.38,"sentiment":"neutral","sentiment_score":0.05834692716598511}],"sentiment":"neutral","sentiment_score":0.05834692716598511,"channel":1,"num_words":1,"start":844.88,"end":845.38},{"sentences":[{"text":"see it, and then I'll have a have a chat to the team if there's a bit of a technology issue and then get it reissued to you.","start":845.04,"end":853.755,"sentiment":"neutral","sentiment_score":0.046991350794477124},{"text":"But then at least","start":853.835,"end":854.715,"sentiment":"neutral","sentiment_score":0.062013876624405384}],"sentiment":"neutral","sentiment_score":0.048869166523218155,"channel":0,"num_words":32,"start":845.04,"end":854.715},{"sentences":[{"text":"Okay.","start":854.33496,"end":854.83496,"sentiment":"neutral","sentiment_score":0.08899390697479248}],"sentiment":"neutral","sentiment_score":0.08899390697479248,"channel":1,"num_words":1,"start":854.33496,"end":854.83496},{"sentences":[{"text":"way this this way, you can see the whole document now when we're going through it.","start":854.715,"end":859.855,"sentiment":"neutral","sentiment_score":0.1073191286996007}],"sentiment":"neutral","sentiment_score":0.1073191286996007,"channel":0,"num_words":16,"start":854.715,"end":859.855},{"sentences":[{"text":"Mhmm.","start":860.415,"end":860.65497,"sentiment":"neutral","sentiment_score":-0.0017335396260023117}],"sentiment":"neutral","sentiment_score":-0.0017335396260023117,"channel":1,"num_words":1,"start":860.415,"end":860.65497},{"sentences":[{"text":"Alright.","start":860.475,"end":860.975,"sentiment":"neutral","sentiment_score":0.009188096038997172}],"sentiment":"neutral","sentiment_score":0.009188096038997172,"channel":0,"num_words":1,"start":860.475,"end":860.975},{"sentences":[{"text":"Yeah.","start":860.65497,"end":861.0,"sentiment":"neutral","sentiment_score":0.0021989010274410248}],"sentiment":"neutral","sentiment_score":0.0021989010274410248,"channel":1,"num_words":1,"start":860.65497,"end":861.0},{"sentences":[{"text":"Just bear with me.","start":861.195,"end":862.715,"sentiment":"neutral","sentiment_score":-0.023552538361400366},{"text":"I will just email you that now.","start":862.715,"end":865.215,"sentiment":"neutral","sentiment_score":-0.0322469063103199},{"text":"That is very strange that you're only getting that because I can see all all the pages here from what I sent.","start":867.05005,"end":872.59,"sentiment":"neutral","sentiment_score":-0.30584755607626657}],"sentiment":"neutral","sentiment_score":-0.21359347670593046,"channel":0,"num_words":33,"start":861.195,"end":872.59},{"sentences":[{"text":"Yeah.","start":873.16,"end":873.66,"sentiment":"neutral","sentiment_score":-0.11655071377754211},{"text":"Actually, I received this document previously when when we missed a call.","start":874.595,"end":880.69495,"sentiment":"neutral","sentiment_score":-0.17276527732610703},{"text":"And I opened it and and I was the same like it, but I cannot see anything.","start":881.315,"end":885.815,"sentiment":"neutral","sentiment_score":-0.2787849035333185}],"sentiment":"neutral","sentiment_score":-0.23096924672524136,"channel":1,"num_words":30,"start":873.16,"end":885.815},{"sentences":[{"text":"You have a like, hello.","start":886.50494,"end":887.725,"sentiment":"neutral","sentiment_score":-0.3191594421863556}],"sentiment":"neutral","sentiment_score":-0.3191594421863556,"channel":0,"num_words":5,"start":886.50494,"end":887.725},{"sentences":[{"text":"No.","start":888.27496,"end":888.77496,"sentiment":"negative","sentiment_score":-0.3514454662799835}],"sentiment":"negative","sentiment_score":-0.3514454662799835,"channel":1,"num_words":1,"start":888.27496,"end":888.77496},{"sentences":[{"text":"That is very strange.","start":888.665,"end":890.605,"sentiment":"negative","sentiment_score":-0.4974403828382492},{"text":"We do have access to another software.","start":891.3,"end":894.44,"sentiment":"neutral","sentiment_score":-0.24599415915352957},{"text":"So what I might get the team to do later is, like, when I get off the phone, is to send it through a different software and see if that helps.","start":894.5,"end":904.66003,"sentiment":"neutral","sentiment_score":0.08035493786296537},{"text":"But for now, anyway, bear with me, and I will just attach it as a PDF version so that you can actually see it.","start":904.66003,"end":912.955,"sentiment":"neutral","sentiment_score":0.10871847827608387}],"sentiment":"neutral","sentiment_score":0.021038271317427807,"channel":0,"num_words":66,"start":888.665,"end":912.955},{"sentences":[{"text":"Mhmm.","start":913.535,"end":914.035,"sentiment":"neutral","sentiment_score":0.07588153332471848}],"sentiment":"neutral","sentiment_score":0.07588153332471848,"channel":1,"num_words":1,"start":913.535,"end":914.035},{"sentences":[{"text":"Let me see here.","start":915.175,"end":917.115,"sentiment":"neutral","sentiment_score":0.08644360490143299},{"text":"Okay.","start":919.37,"end":919.87,"sentiment":"neutral","sentiment_score":0.14148709177970886},{"text":"I'll add all the attachments as well so that you can see them.","start":925.76996,"end":930.11,"sentiment":"neutral","sentiment_score":0.16094459134798783},{"text":"Okay.","start":950.81,"end":951.31,"sentiment":"neutral","sentiment_score":0.2148481011390686},{"text":"That is on its way to you now, just just normal email.","start":951.45,"end":955.07,"sentiment":"neutral","sentiment_score":0.3025320842862129}],"sentiment":"neutral","sentiment_score":0.20725078424138407,"channel":0,"num_words":31,"start":915.175,"end":955.07},{"sentences":[{"text":"Mhmm.","start":955.68,"end":956.055,"sentiment":"neutral","sentiment_score":0.08572687208652496}],"sentiment":"neutral","sentiment_score":0.08572687208652496,"channel":1,"num_words":1,"start":955.68,"end":956.055},{"sentences":[{"text":"So it won't get you to sign anything, but at least you can look at it while I'm trying to get the team on the IT.","start":955.875,"end":962.53503,"sentiment":"neutral","sentiment_score":0.0659631949204665},{"text":"So that should come through to you shortly.","start":964.275,"end":967.335,"sentiment":"neutral","sentiment_score":0.19539324007928371},{"text":"It says it was just sent on my 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appendix.","start":991.735,"end":994.075,"sentiment":"neutral","sentiment_score":0.07824544821466718},{"text":"Okay.","start":996.855,"end":997.355,"sentiment":"neutral","sentiment_score":0.041525937616825104}],"sentiment":"neutral","sentiment_score":0.07227391459875637,"channel":1,"num_words":9,"start":990.295,"end":997.355},{"sentences":[{"text":"Does that have 25 pages?","start":998.59,"end":1000.37,"sentiment":"neutral","sentiment_score":0.02738543413579464},{"text":"So when you open the email, you should see a couple of different attachments.","start":1002.35004,"end":1006.29004,"sentiment":"neutral","sentiment_score":0.04787238048655646},{"text":"And if you can open the last","start":1007.15,"end":1011.285,"sentiment":"neutral","sentiment_score":0.018910547718405724}],"sentiment":"neutral","sentiment_score":0.03613516659690784,"channel":0,"num_words":26,"start":998.59,"end":1011.285},{"sentences":[{"text":"It's","start":1011.105,"end":1011.605,"sentiment":"neutral","sentiment_score":0.005319519899785519}],"sentiment":"neutral","sentiment_score":0.005319519899785519,"channel":1,"num_words":1,"start":1011.105,"end":1011.605},{"sentences":[{"text":"one, it should say statement of advice.","start":1011.285,"end":1014.505,"sentiment":"neutral","sentiment_score":0.022747695579060485}],"sentiment":"neutral","sentiment_score":0.022747695579060485,"channel":0,"num_words":7,"start":1011.285,"end":1014.505},{"sentences":[{"text":"it is the oh, wait.","start":1022.625,"end":1025.04,"sentiment":"neutral","sentiment_score":0.025443681702017783}],"sentiment":"neutral","sentiment_score":0.025443681702017783,"channel":1,"num_words":5,"start":1022.625,"end":1025.04},{"sentences":[{"text":"There should be four attachments, and it's just the first one.","start":1026.82,"end":1031.0,"sentiment":"neutral","sentiment_score":0.033627624877474525}],"sentiment":"neutral","sentiment_score":0.033627624877474525,"channel":0,"num_words":11,"start":1026.82,"end":1031.0},{"sentences":[{"text":"Yes.","start":1034.16,"end":1034.48,"sentiment":"neutral","sentiment_score":0.064174585044384},{"text":"I think I'm","start":1034.48,"end":1035.2001,"sentiment":"neutral","sentiment_score":0.07379633684953053}],"sentiment":"neutral","sentiment_score":0.0713908988982439,"channel":1,"num_words":4,"start":1034.16,"end":1035.2001},{"sentences":[{"text":"Yes.","start":1035.1549,"end":1035.635,"sentiment":"neutral","sentiment_score":0.12923884391784668}],"sentiment":"neutral","sentiment_score":0.12923884391784668,"channel":0,"num_words":1,"start":1035.1549,"end":1035.635},{"sentences":[{"text":"good.","start":1035.2001,"end":1035.7001,"sentiment":"neutral","sentiment_score":0.23272281885147095}],"sentiment":"neutral","sentiment_score":0.23272281885147095,"channel":1,"num_words":1,"start":1035.2001,"end":1035.7001},{"sentences":[{"text":"Okay.","start":1035.635,"end":1036.135,"sentiment":"neutral","sentiment_score":0.15316757559776306}],"sentiment":"neutral","sentiment_score":0.15316757559776306,"channel":0,"num_words":1,"start":1035.635,"end":1036.135},{"sentences":[{"text":"Yeah.","start":1035.8401,"end":1036.3401,"sentiment":"neutral","sentiment_score":0.21478718519210815}],"sentiment":"neutral","sentiment_score":0.21478718519210815,"channel":1,"num_words":1,"start":1035.8401,"end":1036.3401},{"sentences":[{"text":"Perfect.","start":1036.195,"end":1036.695,"sentiment":"positive","sentiment_score":0.3647268116474152}],"sentiment":"positive","sentiment_score":0.3647268116474152,"channel":0,"num_words":1,"start":1036.195,"end":1036.695},{"sentences":[{"text":"The 25 pages.","start":1036.48,"end":1037.76,"sentiment":"neutral","sentiment_score":0.16838882366816202},{"text":"Yeah.","start":1037.76,"end":1038.135,"sentiment":"neutral","sentiment_score":0.1407158076763153}],"sentiment":"neutral","sentiment_score":0.16147056967020035,"channel":1,"num_words":4,"start":1036.48,"end":1038.135},{"sentences":[{"text":"Yes.","start":1038.115,"end":1038.615,"sentiment":"neutral","sentiment_score":0.1221192628145218}],"sentiment":"neutral","sentiment_score":0.1221192628145218,"channel":0,"num_words":1,"start":1038.115,"end":1038.615},{"sentences":[{"text":"Got it.","start":1038.215,"end":1038.795,"sentiment":"neutral","sentiment_score":0.19621919095516205}],"sentiment":"neutral","sentiment_score":0.19621919095516205,"channel":1,"num_words":2,"start":1038.215,"end":1038.795},{"sentences":[{"text":"Oh, great.","start":1038.755,"end":1039.635,"sentiment":"positive","sentiment_score":0.4742625057697296},{"text":"Perfect.","start":1039.635,"end":1040.135,"sentiment":"positive","sentiment_score":0.4069931507110596},{"text":"So if you can scroll that's probably why you were like, what are you talking about?","start":1041.635,"end":1047.38,"sentiment":"neutral","sentiment_score":0.10122609091922641},{"text":"If you can scroll through through","start":1047.6,"end":1049.94,"sentiment":"neutral","sentiment_score":0.013003360790510973}],"sentiment":"neutral","sentiment_score":0.12212623126804828,"channel":0,"num_words":25,"start":1038.755,"end":1049.94},{"sentences":[{"text":"Mhmm.","start":1049.895,"end":1050.15,"sentiment":"neutral","sentiment_score":0.01902381330728531}],"sentiment":"neutral","sentiment_score":0.01902381330728531,"channel":1,"num_words":1,"start":1049.895,"end":1050.15},{"sentences":[{"text":"page let me see here.","start":1050.08,"end":1052.1,"sentiment":"neutral","sentiment_score":0.01779957879334688},{"text":"15.","start":1053.12,"end":1053.62,"sentiment":"neutral","sentiment_score":-0.005321983247995377},{"text":"No.","start":1054.0,"end":1054.32,"sentiment":"neutral","sentiment_score":-0.049534909427165985},{"text":"Sorry.","start":1054.32,"end":1054.82,"sentiment":"neutral","sentiment_score":-0.050537001341581345},{"text":"17 for me.","start":1055.92,"end":1057.275,"sentiment":"neutral","sentiment_score":-0.029457469781239826}],"sentiment":"neutral","sentiment_score":-0.009524400853975252,"channel":0,"num_words":11,"start":1050.08,"end":1057.275},{"sentences":[{"text":"Mhmm.","start":1060.715,"end":1061.215,"sentiment":"neutral","sentiment_score":0.0027511389926075935},{"text":"It can sometimes be 18 depending on the cover page, but the heading should say industry fund 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cheapest.","start":1160.2101,"end":1163.8301,"sentiment":"neutral","sentiment_score":-0.037866239859299225}],"sentiment":"neutral","sentiment_score":-0.037866239859299225,"channel":0,"num_words":11,"start":1160.2101,"end":1163.8301},{"sentences":[{"text":"Mhmm.","start":1164.7101,"end":1165.2101,"sentiment":"neutral","sentiment_score":0.026351038366556168}],"sentiment":"neutral","sentiment_score":0.026351038366556168,"channel":1,"num_words":1,"start":1164.7101,"end":1165.2101},{"sentences":[{"text":"Now you have then the three year rolling average.","start":1165.805,"end":1169.185,"sentiment":"neutral","sentiment_score":0.071083076712158},{"text":"So showing you on average in the last three years how their growth portfolio has performed.","start":1169.485,"end":1176.9451,"sentiment":"neutral","sentiment_score":0.10826626559719443},{"text":"Now you can see Vanguard is 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far, Sandra?","start":1227.345,"end":1229.125,"sentiment":"neutral","sentiment_score":0.052469120493956974}],"sentiment":"neutral","sentiment_score":0.03597754802097354,"channel":0,"num_words":57,"start":1211.2101,"end":1229.125},{"sentences":[{"text":"Mhmm.","start":1229.525,"end":1230.005,"sentiment":"neutral","sentiment_score":0.07222986221313477},{"text":"Yes.","start":1230.005,"end":1230.505,"sentiment":"neutral","sentiment_score":0.16392183303833008}],"sentiment":"neutral","sentiment_score":0.11807584762573242,"channel":1,"num_words":2,"start":1229.525,"end":1230.505},{"sentences":[{"text":"Yep.","start":1230.225,"end":1230.63,"sentiment":"neutral","sentiment_score":0.2549264430999756},{"text":"Perfect.","start":1230.79,"end":1231.29,"sentiment":"positive","sentiment_score":0.562881350517273},{"text":"That would give you this.","start":1231.67,"end":1232.79,"sentiment":"positive","sentiment_score":0.4616872549057007},{"text":"So I use that as part of the research to make sure that, well, if Vanguard was going to be the best option for you, at least out of these three, that was the most favorable in terms of what you wanted, is that better than Hub twenty four with the changes in the portfolio?","start":1232.79,"end":1251.245,"sentiment":"neutral","sentiment_score":0.29370084432038396},{"text":"So those were kind of the two options that I was leaning towards.","start":1251.625,"end":1254.905,"sentiment":"neutral","sentiment_score":0.11834141841301551}],"sentiment":"neutral","sentiment_score":0.2775763859351476,"channel":0,"num_words":75,"start":1230.225,"end":1254.905},{"sentences":[{"text":"And you can see here lump sum in five and 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you can see that Hub 24 as a platform is a little bit more expensive than","start":1309.9451,"end":1316.51,"sentiment":"neutral","sentiment_score":-0.12650515314410715}],"sentiment":"neutral","sentiment_score":-0.12650515314410715,"channel":0,"num_words":17,"start":1309.9451,"end":1316.51},{"sentences":[{"text":"Mhmm.","start":1316.23,"end":1316.73,"sentiment":"neutral","sentiment_score":-0.12974759936332703}],"sentiment":"neutral","sentiment_score":-0.12974759936332703,"channel":1,"num_words":1,"start":1316.23,"end":1316.73},{"sentences":[{"text":"Vanguard, for 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account.","start":1325.8049,"end":1330.5449,"sentiment":"neutral","sentiment_score":-0.01895145785350066},{"text":"So that's","start":1330.845,"end":1331.325,"sentiment":"neutral","sentiment_score":0.03286557085812092}],"sentiment":"neutral","sentiment_score":-0.09384120676305986,"channel":0,"num_words":31,"start":1318.51,"end":1331.325},{"sentences":[{"text":"Mhmm.","start":1331.095,"end":1331.595,"sentiment":"neutral","sentiment_score":0.016163533553481102}],"sentiment":"neutral","sentiment_score":0.016163533553481102,"channel":1,"num_words":1,"start":1331.095,"end":1331.595},{"sentences":[{"text":"also factored in for you.","start":1331.325,"end":1332.945,"sentiment":"neutral","sentiment_score":0.04653900265693665},{"text":"Again, no contribution and the same insurance with ClearView.","start":1333.085,"end":1337.105,"sentiment":"neutral","sentiment_score":0.06374671765499645},{"text":"You can see your total cost in hub twenty four at the moment, so 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though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return.","start":1358.3949,"end":1368.17,"sentiment":"neutral","sentiment_score":-0.15961794594400808},{"text":"But, obviously, it is a little bit more expensive.","start":1368.17,"end":1370.01,"sentiment":"neutral","sentiment_score":-0.3005250328116947}],"sentiment":"neutral","sentiment_score":-0.07997672425376044,"channel":0,"num_words":45,"start":1347.25,"end":1370.01},{"sentences":[{"text":"So then you have to look at, obviously, the net outcome.","start":1370.01,"end":1373.55,"sentiment":"neutral","sentiment_score":-0.1029152822765437}],"sentiment":"neutral","sentiment_score":-0.1029152822765437,"channel":0,"num_words":11,"start":1370.01,"end":1373.55},{"sentences":[{"text":"Mhmm.","start":1374.45,"end":1374.95,"sentiment":"neutral","sentiment_score":0.019417788833379745}],"sentiment":"neutral","sentiment_score":0.019417788833379745,"channel":1,"num_words":1,"start":1374.45,"end":1374.95},{"sentences":[{"text":"You then have recommended.","start":1375.37,"end":1376.99,"sentiment":"neutral","sentiment_score":0.05683870613574982},{"text":"So this is what I have recommended that you stay in hub twenty four, but change your investment.","start":1377.4501,"end":1382.625,"sentiment":"neutral","sentiment_score":0.10209113773372439},{"text":"Now the balance at the top where you see the difference of 654, can you see 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couple for some that's been performing a little bit better.","start":1404.525,"end":1407.985,"sentiment":"neutral","sentiment_score":0.25397485370437306},{"text":"So the capital gains tax on what I have recommended will be about 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admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper.","start":1423.1001,"end":1432.1649,"sentiment":"neutral","sentiment_score":0.2836199748900629},{"text":"So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost.","start":1432.625,"end":1440.48,"sentiment":"positive","sentiment_score":0.39888508915901183},{"text":"Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the 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you and your partner is a client,","start":1470.5,"end":1475.48,"sentiment":"neutral","sentiment_score":0.2320163607597351}],"sentiment":"neutral","sentiment_score":0.17869161290896907,"channel":0,"num_words":37,"start":1454.125,"end":1475.48},{"sentences":[{"text":"Mhmm.","start":1476.12,"end":1476.62,"sentiment":"neutral","sentiment_score":0.3050423562526703}],"sentiment":"neutral","sentiment_score":0.3050423562526703,"channel":1,"num_words":1,"start":1476.12,"end":1476.62},{"sentences":[{"text":"we have reduced that to make it cheaper for you.","start":1477.0599,"end":1480.36,"sentiment":"neutral","sentiment_score":0.322947196662426},{"text":"So that is reduced to 1.1%.","start":1480.5,"end":1484.12,"sentiment":"neutral","sentiment_score":0.2872559279203415},{"text":"So that's also why you see the adviser service fee in this table being a little bit cheaper.","start":1486.295,"end":1492.9551,"sentiment":"neutral","sentiment_score":0.28895387384626603},{"text":"So","start":1493.895,"end":1494.055,"sentiment":"neutral","sentiment_score":0.14939527213573456}],"sentiment":"neutral","sentiment_score":0.2943877867289952,"channel":0,"num_words":35,"start":1477.0599,"end":1494.055},{"sentences":[{"text":"Mhmm.","start":1494.035,"end":1494.535,"sentiment":"neutral","sentiment_score":0.16605962812900543}],"sentiment":"neutral","sentiment_score":0.16605962812900543,"channel":1,"num_words":1,"start":1494.035,"end":1494.535},{"sentences":[{"text":"it's reducing it by about 464.","start":1494.055,"end":1496.775,"sentiment":"neutral","sentiment_score":0.14731085548798242},{"text":"Does that all make sense so 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return so that at the end of it, so after fees and everything, are you in a better position?","start":1517.695,"end":1529.88,"sentiment":"neutral","sentiment_score":0.13221537292395769},{"text":"So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%.","start":1530.74,"end":1541.9149,"sentiment":"neutral","sentiment_score":0.27580447793006896},{"text":"So, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA.","start":1542.615,"end":1551.995,"sentiment":"positive","sentiment_score":0.40175879908644635}],"sentiment":"neutral","sentiment_score":0.21585880226145188,"channel":0,"num_words":120,"start":1499.97,"end":1551.995},{"sentences":[{"text":"Mhmm.","start":1554.47,"end":1554.97,"sentiment":"neutral","sentiment_score":0.06396596133708954},{"text":"Can you see 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down.","start":1569.275,"end":1570.655,"sentiment":"neutral","sentiment_score":0.042450787499547005}],"sentiment":"neutral","sentiment_score":0.08892102749086916,"channel":0,"num_words":32,"start":1557.83,"end":1570.655},{"sentences":[{"text":"Yeah.","start":1574.14,"end":1574.64,"sentiment":"neutral","sentiment_score":0.09360072016716003}],"sentiment":"neutral","sentiment_score":0.09360072016716003,"channel":1,"num_words":1,"start":1574.14,"end":1574.64},{"sentences":[{"text":"So just the next page from what we were just looking, it 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$9.40 900 and 955.","start":1697.745,"end":1703.445,"sentiment":"neutral","sentiment_score":-0.0341512422476496},{"text":"So when I see that I see when I how come the total income is 700, but in fees is 900.","start":1703.985,"end":1711.2999,"sentiment":"neutral","sentiment_score":-0.07124671535122962},{"text":"I mean,","start":1711.9199,"end":1712.32,"sentiment":"neutral","sentiment_score":-0.07851499319076538}],"sentiment":"neutral","sentiment_score":-0.06307565681636333,"channel":1,"num_words":30,"start":1697.745,"end":1712.32},{"sentences":[{"text":"Yeah.","start":1712.31,"end":1712.81,"sentiment":"neutral","sentiment_score":-0.0529671311378479}],"sentiment":"neutral","sentiment_score":-0.0529671311378479,"channel":0,"num_words":1,"start":1712.31,"end":1712.81},{"sentences":[{"text":"the total in the year 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on the report where it says income, that would be income generated on your investments.","start":1728.0851,"end":1735.145,"sentiment":"neutral","sentiment_score":-0.07445859210565686},{"text":"So that will be, like, dividends and stuff like that.","start":1735.365,"end":1738.025,"sentiment":"neutral","sentiment_score":-0.018669451773166656},{"text":"So that would","start":1738.78,"end":1739.58,"sentiment":"neutral","sentiment_score":-0.007799891134103138}],"sentiment":"neutral","sentiment_score":-0.04832522982153399,"channel":0,"num_words":29,"start":1728.0851,"end":1739.58},{"sentences":[{"text":"Mhmm.","start":1739.51,"end":1740.01,"sentiment":"neutral","sentiment_score":0.004560288041830063}],"sentiment":"neutral","sentiment_score":0.004560288041830063,"channel":1,"num_words":1,"start":1739.51,"end":1740.01},{"sentences":[{"text":"be what your money what your investments have paid into your 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portfolio?","start":1786.14,"end":1786.88,"sentiment":"neutral","sentiment_score":0.012683216482400894}],"sentiment":"neutral","sentiment_score":0.012683216482400894,"channel":1,"num_words":2,"start":1786.14,"end":1786.88},{"sentences":[{"text":"Correct.","start":1787.495,"end":1787.995,"sentiment":"neutral","sentiment_score":0.05932256579399109},{"text":"So that is income in the period.","start":1788.0549,"end":1790.075,"sentiment":"neutral","sentiment_score":0.049659281969070435},{"text":"So do you know do you know what I will do?","start":1790.695,"end":1793.355,"sentiment":"neutral","sentiment_score":0.01514452433382923},{"text":"Let me 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me.","start":1822.62,"end":1823.1,"sentiment":"neutral","sentiment_score":0.06674505025148392},{"text":"Let me save that because that makes more that makes sense because then I'm just doing a twelve month twelve month report from right now until this time last year so that you can see and then it makes probably more sense of what I'm talking about as well.","start":1823.1,"end":1838.9451,"sentiment":"neutral","sentiment_score":0.17609454721820597},{"text":"Let me just save this and email this to you again.","start":1838.9451,"end":1842.165,"sentiment":"neutral","sentiment_score":0.13869034227999774},{"text":"Okay.","start":1850.24,"end":1850.74,"sentiment":"neutral","sentiment_score":0.08224993199110031},{"text":"Okay.","start":1887.965,"end":1888.445,"sentiment":"neutral","sentiment_score":0.07706955075263977}],"sentiment":"neutral","sentiment_score":0.16323494003154337,"channel":0,"num_words":64,"start":1822.62,"end":1888.445},{"sentences":[{"text":"I have just sent that to you in an 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months,","start":2079.205,"end":2083.625,"sentiment":"neutral","sentiment_score":-0.018284332140215805}],"sentiment":"neutral","sentiment_score":-0.028070289124217298,"channel":0,"num_words":18,"start":2077.845,"end":2083.625},{"sentences":[{"text":"Mhmm.","start":2083.7773,"end":2084.2773,"sentiment":"neutral","sentiment_score":-0.015223613008856772}],"sentiment":"neutral","sentiment_score":-0.015223613008856772,"channel":1,"num_words":1,"start":2083.7773,"end":2084.2773},{"sentences":[{"text":"so insurances, adviser fees when you came on board and everything was 3,862 in 17.","start":2084.0051,"end":2092.62,"sentiment":"neutral","sentiment_score":0.017409892193973063},{"text":"So that is the withdrawal from the account, but that can also be a tax and other things.","start":2092.6802,"end":2096.3801,"sentiment":"neutral","sentiment_score":-0.04188871787240108},{"text":"That is everything that was deducted from your 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Vanguard.","start":2263.085,"end":2279.22,"sentiment":"neutral","sentiment_score":-0.3144968231411084},{"text":"But if by changing it to Vanguard, you're not gonna get the same growth on your investment.","start":2280.24,"end":2285.94,"sentiment":"negative","sentiment_score":-0.47022465397329893},{"text":"So","start":2287.0398,"end":2287.5398,"sentiment":"neutral","sentiment_score":-0.12365588545799255}],"sentiment":"negative","sentiment_score":-0.3528801385546103,"channel":0,"num_words":64,"start":2263.085,"end":2287.5398},{"sentences":[{"text":"Mhmm.","start":2287.115,"end":2287.615,"sentiment":"neutral","sentiment_score":-0.09809498488903046}],"sentiment":"neutral","sentiment_score":-0.09809498488903046,"channel":1,"num_words":1,"start":2287.115,"end":2287.615},{"sentences":[{"text":"when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you 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sure.","start":2429.9,"end":2431.28,"sentiment":"neutral","sentiment_score":-0.17389054596424103}],"sentiment":"positive","sentiment_score":0.3735345027302034,"channel":0,"num_words":104,"start":2401.47,"end":2431.28},{"sentences":[{"text":"Can I do some more research on these things?","start":2431.5051,"end":2433.745,"sentiment":"neutral","sentiment_score":-0.02667697063750691},{"text":"We can do this all part of the service.","start":2433.745,"end":2435.605,"sentiment":"neutral","sentiment_score":0.23490230242411295},{"text":"We can do that.","start":2436.225,"end":2436.945,"sentiment":"neutral","sentiment_score":0.3110393360257149},{"text":"We can change it whenever you want to.","start":2436.945,"end":2439.0251,"sentiment":"neutral","sentiment_score":0.25037602707743645},{"text":"And like I said, what is there that could be in, let's say, three years, that could be a new superannuation fund that maybe opens up that's even cheaper, that has so many investment 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me.","start":2539.635,"end":2541.7349,"sentiment":"neutral","sentiment_score":-0.0006164642050862314}],"sentiment":"neutral","sentiment_score":-0.0006164642050862314,"channel":0,"num_words":10,"start":2539.635,"end":2541.7349},{"sentences":[{"text":"Mhmm.","start":2541.88,"end":2542.38,"sentiment":"neutral","sentiment_score":0.0249932873994112}],"sentiment":"neutral","sentiment_score":0.0249932873994112,"channel":1,"num_words":1,"start":2541.88,"end":2542.38},{"sentences":[{"text":"Now the investments","start":2541.9548,"end":2543.415,"sentiment":"neutral","sentiment_score":0.024352161834637325}],"sentiment":"neutral","sentiment_score":0.024352161834637325,"channel":0,"num_words":3,"start":2541.9548,"end":2543.415},{"sentences":[{"text":"Yeah.","start":2544.44,"end":2544.8398,"sentiment":"neutral","sentiment_score":0.028266683220863342}],"sentiment":"neutral","sentiment_score":0.028266683220863342,"channel":1,"num_words":1,"start":2544.44,"end":2544.8398},{"sentences":[{"text":"is 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what I have done as well is in the appendix, which is in my email as well, which I'll let you","start":2550.23,"end":2556.5498,"sentiment":"neutral","sentiment_score":0.06796696164052594}],"sentiment":"neutral","sentiment_score":0.06650016464940879,"channel":0,"num_words":23,"start":2549.4749,"end":2556.5498},{"sentences":[{"text":"Mhmm.","start":2556.535,"end":2557.035,"sentiment":"neutral","sentiment_score":0.04107639938592911}],"sentiment":"neutral","sentiment_score":0.04107639938592911,"channel":1,"num_words":1,"start":2556.535,"end":2557.035},{"sentences":[{"text":"have a read over in your own time, it's a sec that's where research goes.","start":2556.5498,"end":2559.6099,"sentiment":"neutral","sentiment_score":0.046814288944005966},{"text":"So what I have done is so that you can go, if you would like, to do your own research on the investment, I have included links.","start":2559.67,"end":2566.9949,"sentiment":"neutral","sentiment_score":0.05792256016974096},{"text":"So investment links.","start":2566.9949,"end":2568.835,"sentiment":"neutral","sentiment_score":0.01676010899245739},{"text":"So","start":2568.835,"end":2569.075,"sentiment":"neutral","sentiment_score":0.020405905321240425}],"sentiment":"neutral","sentiment_score":0.05080021067481974,"channel":0,"num_words":46,"start":2556.5498,"end":2569.075},{"sentences":[{"text":"Mhmm.","start":2568.99,"end":2569.49,"sentiment":"neutral","sentiment_score":0.023394549265503883}],"sentiment":"neutral","sentiment_score":0.023394549265503883,"channel":1,"num_words":1,"start":2568.99,"end":2569.49},{"sentences":[{"text":"what we have recommended, there is attachments to each and every single one of them so that you can 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see","start":2776.27,"end":2776.75,"sentiment":"neutral","sentiment_score":0.06303266684214275}],"sentiment":"neutral","sentiment_score":0.12062007720981326,"channel":0,"num_words":14,"start":2769.895,"end":2776.75},{"sentences":[{"text":"Mhmm.","start":2776.6902,"end":2777.1902,"sentiment":"neutral","sentiment_score":0.06452209502458572}],"sentiment":"neutral","sentiment_score":0.06452209502458572,"channel":1,"num_words":1,"start":2776.6902,"end":2777.1902},{"sentences":[{"text":"that?","start":2776.75,"end":2777.25,"sentiment":"neutral","sentiment_score":0.06538465619087219}],"sentiment":"neutral","sentiment_score":0.06538465619087219,"channel":0,"num_words":1,"start":2776.75,"end":2777.25},{"sentences":[{"text":"Yes.","start":2777.4102,"end":2777.9102,"sentiment":"neutral","sentiment_score":0.13210797309875488}],"sentiment":"neutral","sentiment_score":0.13210797309875488,"channel":1,"num_words":1,"start":2777.4102,"end":2777.9102},{"sentences":[{"text":"Yep.","start":2777.4702,"end":2777.9702,"sentiment":"neutral","sentiment_score":0.1514883190393448},{"text":"So this one here, again, invests in a range of different large companies in Europe.","start":2778.27,"end":2785.81,"sentiment":"neutral","sentiment_score":0.15859324236710867},{"text":"So we don't wanna put everything into one market.","start":2786.11,"end":2788.515,"sentiment":"neutral","sentiment_score":0.016464676294061873},{"text":"We don't want everything in The US or everything in Australia.","start":2788.515,"end":2791.1548,"sentiment":"neutral","sentiment_score":0.037117067724466324},{"text":"We wanna kind of diversify.","start":2791.1548,"end":2792.6948,"sentiment":"neutral","sentiment_score":0.2211179792881012}],"sentiment":"neutral","sentiment_score":0.10225479713663822,"channel":0,"num_words":41,"start":2777.4702,"end":2792.6948},{"sentences":[{"text":"So if anything happens to one market, not the whole portfolio will be affected.","start":2792.835,"end":2797.815,"sentiment":"neutral","sentiment_score":0.15144685975142888},{"text":"So","start":2798.4348,"end":2798.9348,"sentiment":"neutral","sentiment_score":0.1368076503276825}],"sentiment":"neutral","sentiment_score":0.15047091245651245,"channel":0,"num_words":15,"start":2792.835,"end":2798.9348},{"sentences":[{"text":"Mhmm.","start":2798.91,"end":2799.41,"sentiment":"neutral","sentiment_score":0.1456845998764038}],"sentiment":"neutral","sentiment_score":0.1456845998764038,"channel":1,"num_words":1,"start":2798.91,"end":2799.41},{"sentences":[{"text":"this one kind of invest in your your large and midsize European companies.","start":2799.3948,"end":2805.34,"sentiment":"neutral","sentiment_score":0.16292752497471297},{"text":"So the majority of the companies are kind of in The UK, Germany, France, Switzerland.","start":2805.34,"end":2810.48,"sentiment":"neutral","sentiment_score":0.1145087738831838},{"text":"And some of the companies, like, the biggest ones you'll have is, like, Nestle and Novo Nordisk or AstraZeneca and Shell.","start":2813.26,"end":2820.675,"sentiment":"neutral","sentiment_score":0.11761071391048886}],"sentiment":"neutral","sentiment_score":0.12868396785794473,"channel":0,"num_words":49,"start":2799.3948,"end":2820.675},{"sentences":[{"text":"Mhmm.","start":2821.18,"end":2821.68,"sentiment":"neutral","sentiment_score":0.07635856419801712}],"sentiment":"neutral","sentiment_score":0.07635856419801712,"channel":1,"num_words":1,"start":2821.18,"end":2821.68},{"sentences":[{"text":"So very diversified, but only about 8% in this one.","start":2821.375,"end":2824.915,"sentiment":"neutral","sentiment_score":0.22963565289974214},{"text":"You then have five percent in Japan.","start":2825.535,"end":2828.515,"sentiment":"neutral","sentiment_score":0.17165479702608927},{"text":"You can see that?","start":2828.975,"end":2830.035,"sentiment":"neutral","sentiment_score":0.1659906916320324}],"sentiment":"neutral","sentiment_score":0.1981858511765798,"channel":0,"num_words":21,"start":2821.375,"end":2830.035},{"sentences":[{"text":"Yes.","start":2830.1401,"end":2830.515,"sentiment":"neutral","sentiment_score":0.20788487792015076}],"sentiment":"neutral","sentiment_score":0.20788487792015076,"channel":1,"num_words":1,"start":2830.1401,"end":2830.515},{"sentences":[{"text":"Yep.","start":2830.82,"end":2831.32,"sentiment":"neutral","sentiment_score":0.24901944398880005},{"text":"And, again, it's not just into one investment.","start":2831.54,"end":2833.86,"sentiment":"neutral","sentiment_score":0.15301112085580826},{"text":"There's a range of lot of different investments into this option here for you to, again, give you the diversification, but it also means that it's a little bit cheaper.","start":2833.86,"end":2842.52,"sentiment":"positive","sentiment_score":0.4487346217036247},{"text":"Because how they typically work is that they just track and index.","start":2842.885,"end":2846.665,"sentiment":"neutral","sentiment_score":0.19947006553411484},{"text":"So with the iShares S and P 500, you are just tracking the 500 largest company.","start":2846.725,"end":2851.8452,"sentiment":"neutral","sentiment_score":0.24675777088850737}],"sentiment":"neutral","sentiment_score":0.3175658534711866,"channel":0,"num_words":67,"start":2830.82,"end":2851.8452},{"sentences":[{"text":"So as a new company comes in and gets really big and grows, it'll get added to the list.","start":2851.8452,"end":2856.8699,"sentiment":"neutral","sentiment_score":0.3177805621373026},{"text":"And as another one gets smaller, it falls out.","start":2856.8699,"end":2859.53,"sentiment":"neutral","sentiment_score":0.11795645124382442},{"text":"So you don't need as much of that active management, which is where the higher fees comes in because it's a bit more targeted to reducing those fees for you while still giving you the diversification.","start":2859.75,"end":2871.495,"sentiment":"neutral","sentiment_score":0.18705204936365286}],"sentiment":"neutral","sentiment_score":0.21614550810772926,"channel":0,"num_words":64,"start":2851.8452,"end":2871.495},{"sentences":[{"text":"Got it.","start":2871.51,"end":2872.49,"sentiment":"neutral","sentiment_score":0.15082205086946487}],"sentiment":"neutral","sentiment_score":0.15082205086946487,"channel":1,"num_words":2,"start":2871.51,"end":2872.49},{"sentences":[{"text":"You then have, yeah, you then have 8% of the second one at the bottom versus Vanguard all well.","start":2873.075,"end":2879.555,"sentiment":"neutral","sentiment_score":0.17683189009365283},{"text":"So this is a Vanguard investment that we have","start":2879.555,"end":2882.2898,"sentiment":"neutral","sentiment_score":0.14880777978234822}],"sentiment":"neutral","sentiment_score":0.16782414035073348,"channel":0,"num_words":28,"start":2873.075,"end":2882.2898},{"sentences":[{"text":"Mhmm.","start":2882.15,"end":2882.65,"sentiment":"neutral","sentiment_score":0.1597229242324829}],"sentiment":"neutral","sentiment_score":0.1597229242324829,"channel":1,"num_words":1,"start":2882.15,"end":2882.65},{"sentences":[{"text":"included.","start":2882.2898,"end":2882.7898,"sentiment":"neutral","sentiment_score":0.1653956174850464},{"text":"So in hub twenty four, you can have Vanguard investments as well.","start":2882.8499,"end":2886.23,"sentiment":"neutral","sentiment_score":0.12754019411901632}],"sentiment":"neutral","sentiment_score":0.1304521497625571,"channel":0,"num_words":13,"start":2882.2898,"end":2886.23},{"sentences":[{"text":"Mhmm.","start":2886.985,"end":2887.485,"sentiment":"neutral","sentiment_score":0.05166914314031601}],"sentiment":"neutral","sentiment_score":0.05166914314031601,"channel":1,"num_words":1,"start":2886.985,"end":2887.485},{"sentences":[{"text":"But this one here, investing companies all around the world, but it excludes The US because you already have exposure to The US in the other investment.","start":2887.01,"end":2895.99,"sentiment":"neutral","sentiment_score":0.019014335616871162},{"text":"So we don't wanna have too heavy in one section.","start":2896.365,"end":2899.025,"sentiment":"neutral","sentiment_score":-0.039676188677549365},{"text":"Okay?","start":2899.085,"end":2899.585,"sentiment":"neutral","sentiment_score":0.03633899241685867}],"sentiment":"neutral","sentiment_score":0.004025372823602275,"channel":0,"num_words":38,"start":2887.01,"end":2899.585},{"sentences":[{"text":"Got it.","start":2900.58,"end":2901.4,"sentiment":"neutral","sentiment_score":0.04556988924741745}],"sentiment":"neutral","sentiment_score":0.04556988924741745,"channel":1,"num_words":2,"start":2900.58,"end":2901.4},{"sentences":[{"text":"Yeah?","start":2900.925,"end":2901.425,"sentiment":"neutral","sentiment_score":0.04694979637861252},{"text":"And","start":2902.125,"end":2902.365,"sentiment":"neutral","sentiment_score":0.06960782408714294}],"sentiment":"neutral","sentiment_score":0.05827881023287773,"channel":0,"num_words":2,"start":2900.925,"end":2902.365},{"sentences":[{"text":"Yes.","start":2902.18,"end":2902.68,"sentiment":"neutral","sentiment_score":0.087458536028862}],"sentiment":"neutral","sentiment_score":0.087458536028862,"channel":1,"num_words":1,"start":2902.18,"end":2902.68},{"sentences":[{"text":"this one invest in, you know, in Asia and emerging markets, basically, all all kind of around the globe.","start":2902.365,"end":2908.29,"sentiment":"neutral","sentiment_score":0.12178078882004086},{"text":"But then we also wanna make sure you have a bit of exposure to Australia.","start":2908.53,"end":2911.83,"sentiment":"neutral","sentiment_score":0.09232085198163986},{"text":"So that is the bottom one at 20%, which is the","start":2911.97,"end":2915.01,"sentiment":"neutral","sentiment_score":0.11820975691080093}],"sentiment":"neutral","sentiment_score":0.11108789096275966,"channel":0,"num_words":45,"start":2902.365,"end":2915.01},{"sentences":[{"text":"Mhmm.","start":2914.8352,"end":2915.3352,"sentiment":"neutral","sentiment_score":0.07665789127349854}],"sentiment":"neutral","sentiment_score":0.07665789127349854,"channel":1,"num_words":1,"start":2914.8352,"end":2915.3352},{"sentences":[{"text":"beta shares Australia 200.","start":2915.01,"end":2916.95,"sentiment":"neutral","sentiment_score":0.07055922038853168},{"text":"Now","start":2917.33,"end":2917.83,"sentiment":"neutral","sentiment_score":0.07512994110584259}],"sentiment":"neutral","sentiment_score":0.07147336453199386,"channel":0,"num_words":5,"start":2915.01,"end":2917.83},{"sentences":[{"text":"Yes.","start":2917.635,"end":2918.135,"sentiment":"neutral","sentiment_score":0.11068333685398102}],"sentiment":"neutral","sentiment_score":0.11068333685398102,"channel":1,"num_words":1,"start":2917.635,"end":2918.135},{"sentences":[{"text":"I have included this one and swapped out that Benelong Australian equities.","start":2917.8901,"end":2921.73,"sentiment":"neutral","sentiment_score":0.1128051442404588},{"text":"That was the one investment that was down for you.","start":2921.73,"end":2924.265,"sentiment":"neutral","sentiment_score":0.14621392413973808},{"text":"Now Benelon, how that one is slightly different to all your other investment is that they are what we would call a managed fund.","start":2924.825,"end":2933.005,"sentiment":"neutral","sentiment_score":0.02796645633255442},{"text":"So they are a little bit more expensive because they are trying to outperform the market.","start":2933.625,"end":2940.1702,"sentiment":"neutral","sentiment_score":-0.005259769037365913},{"text":"So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market.","start":2940.31,"end":2949.1301,"sentiment":"neutral","sentiment_score":0.2185594690116969}],"sentiment":"neutral","sentiment_score":0.09775176116575797,"channel":0,"num_words":84,"start":2917.8901,"end":2949.1301},{"sentences":[{"text":"And","start":2949.75,"end":2950.25,"sentiment":"neutral","sentiment_score":0.15172079205513}],"sentiment":"neutral","sentiment_score":0.15172079205513,"channel":0,"num_words":1,"start":2949.75,"end":2950.25},{"sentences":[{"text":"Mhmm.","start":2949.995,"end":2950.47,"sentiment":"neutral","sentiment_score":0.11418767273426056}],"sentiment":"neutral","sentiment_score":0.11418767273426056,"channel":1,"num_words":1,"start":2949.995,"end":2950.47},{"sentences":[{"text":"they were doing really, really, really well.","start":2950.9949,"end":2953.6548,"sentiment":"positive","sentiment_score":0.36327589409691946},{"text":"But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through.","start":2955.075,"end":2962.375,"sentiment":"neutral","sentiment_score":-0.21649443477392197},{"text":"And because","start":2962.69,"end":2963.25,"sentiment":"neutral","sentiment_score":-0.19646961987018585}],"sentiment":"neutral","sentiment_score":-0.09595202501205836,"channel":0,"num_words":34,"start":2950.9949,"end":2963.25},{"sentences":[{"text":"Mhmm.","start":2963.03,"end":2963.53,"sentiment":"neutral","sentiment_score":-0.17745813727378845}],"sentiment":"neutral","sentiment_score":-0.17745813727378845,"channel":1,"num_words":1,"start":2963.03,"end":2963.53},{"sentences":[{"text":"of that as well, they've been a little bit slow in making their investment choices.","start":2963.25,"end":2967.51,"sentiment":"negative","sentiment_score":-0.4563375761111577},{"text":"We have decided that, you know, at least now it's not as good to invest in because there's a little bit higher in fees.","start":2968.21,"end":2977.35,"sentiment":"negative","sentiment_score":-0.45964976275960606},{"text":"And if they are not outperforming the market and it's down, there might be better options.","start":2977.365,"end":2981.625,"sentiment":"negative","sentiment_score":-0.35498855635523796},{"text":"So we are completely selling out of this one and then instead doing the beta shares Australia 200.","start":2982.005,"end":2988.105,"sentiment":"neutral","sentiment_score":0.14216681652598911},{"text":"And that one is pretty straightforward that, again, it invests in diversification, so 200 companies, but in Australia.","start":2988.485,"end":2996.81,"sentiment":"neutral","sentiment_score":0.26778897394736606}],"sentiment":"neutral","sentiment_score":-0.17777220462704754,"channel":0,"num_words":91,"start":2963.25,"end":2996.81},{"sentences":[{"text":"So the 200 largest in Australia.","start":2997.11,"end":2999.21,"sentiment":"neutral","sentiment_score":0.28665168086687726},{"text":"So you will have companies like Commonwealth and DHT and Woolworths.","start":2999.27,"end":3003.69,"sentiment":"neutral","sentiment_score":0.23979488963430579},{"text":"So, again,","start":3003.99,"end":3004.73,"sentiment":"neutral","sentiment_score":0.1519627943634987}],"sentiment":"neutral","sentiment_score":0.2453462873634539,"channel":0,"num_words":19,"start":2997.11,"end":3004.73},{"sentences":[{"text":"Mhmm.","start":3004.615,"end":3005.01,"sentiment":"neutral","sentiment_score":0.11505524814128876}],"sentiment":"neutral","sentiment_score":0.11505524814128876,"channel":1,"num_words":1,"start":3004.615,"end":3005.01},{"sentences":[{"text":"big companies to give you that diversification.","start":3005.3152,"end":3007.655,"sentiment":"neutral","sentiment_score":0.15203014867646353}],"sentiment":"neutral","sentiment_score":0.15203014867646353,"channel":0,"num_words":7,"start":3005.3152,"end":3007.655},{"sentences":[{"text":"Got it.","start":3009.97,"end":3010.37,"sentiment":"neutral","sentiment_score":0.14535696804523468},{"text":"So better than no one falls down then.","start":3010.37,"end":3014.55,"sentiment":"neutral","sentiment_score":-0.00707098376005888}],"sentiment":"neutral","sentiment_score":0.02341460660099983,"channel":1,"num_words":10,"start":3009.97,"end":3014.55},{"sentences":[{"text":"There's there's nothing what?","start":3015.3152,"end":3016.5151,"sentiment":"neutral","sentiment_score":-0.14688275568187237},{"text":"Sorry?","start":3016.5151,"end":3017.0151,"sentiment":"neutral","sentiment_score":-0.10769065469503404}],"sentiment":"neutral","sentiment_score":-0.1390443354845047,"channel":0,"num_words":5,"start":3015.3152,"end":3017.0151},{"sentences":[{"text":"Mhmm.","start":3018.1301,"end":3018.29,"sentiment":"neutral","sentiment_score":-0.065005823969841},{"text":"Better than no one's getting to bankrupt.","start":3018.29,"end":3020.6301,"sentiment":"neutral","sentiment_score":-0.20488859713077545}],"sentiment":"neutral","sentiment_score":-0.18740325048565865,"channel":1,"num_words":8,"start":3018.1301,"end":3020.6301},{"sentences":[{"text":"No.","start":3022.32,"end":3022.56,"sentiment":"neutral","sentiment_score":-0.10970570147037506},{"text":"Exactly.","start":3022.56,"end":3023.06,"sentiment":"neutral","sentiment_score":-0.02492703497409821},{"text":"And then, also, we have some defensive investments because, obviously, we don't want everything in equity and stuff like that.","start":3023.52,"end":3029.46,"sentiment":"neutral","sentiment_score":-0.019233152084052563},{"text":"We have 5% in, you know, your cybersecurity section.","start":3029.635,"end":3034.695,"sentiment":"neutral","sentiment_score":0.0808543177942435},{"text":"Obviously, AI technology not going anywhere anytime soon.","start":3035.395,"end":3039.235,"sentiment":"neutral","sentiment_score":-0.014943697722628713}],"sentiment":"neutral","sentiment_score":0.002278038467734288,"channel":0,"num_words":39,"start":3022.32,"end":3039.235},{"sentences":[{"text":"So there's a lot of opportunities in this space.","start":3039.235,"end":3042.115,"sentiment":"neutral","sentiment_score":0.2211756714516216},{"text":"This one can fluctuate a little bit more, so that's by only 5%.","start":3042.115,"end":3045.78,"sentiment":"neutral","sentiment_score":0.01737303602007719},{"text":"Because it has good growth opportunities, but we also don't want too much in it if it fluctuates a little 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interest.","start":3063.315,"end":3071.01,"sentiment":"neutral","sentiment_score":0.0926230954627196},{"text":"Interest.","start":3071.41,"end":3071.65,"sentiment":"neutral","sentiment_score":0.0692538321018219},{"text":"So, again, trying to have some defensive investments to smooth out.","start":3071.65,"end":3075.59,"sentiment":"neutral","sentiment_score":0.11434482647614046}],"sentiment":"neutral","sentiment_score":0.09511328704070811,"channel":0,"num_words":51,"start":3054.16,"end":3075.59},{"sentences":[{"text":"From this one, which is the cash.","start":3076.305,"end":3078.725,"sentiment":"neutral","sentiment_score":0.04841924139431545}],"sentiment":"neutral","sentiment_score":0.04841924139431545,"channel":1,"num_words":7,"start":3076.305,"end":3078.725},{"sentences":[{"text":"The cash isn't in investments here.","start":3080.45,"end":3082.95,"sentiment":"neutral","sentiment_score":-0.11912954784929752},{"text":"We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger.","start":3083.17,"end":3090.055,"sentiment":"neutral","sentiment_score":-0.06000486140449842},{"text":"Now, obviously,","start":3090.435,"end":3091.155,"sentiment":"neutral","sentiment_score":0.07321715727448463}],"sentiment":"neutral","sentiment_score":-0.06252783515623637,"channel":0,"num_words":35,"start":3080.45,"end":3091.155},{"sentences":[{"text":"Mhmm.","start":3090.8,"end":3091.3,"sentiment":"neutral","sentiment_score":0.09374703466892242}],"sentiment":"neutral","sentiment_score":0.09374703466892242,"channel":1,"num_words":1,"start":3090.8,"end":3091.3},{"sentences":[{"text":"the the older you get and the closer you get to retirement, you wanna have more of defensive investment.","start":3091.155,"end":3097.495,"sentiment":"neutral","sentiment_score":0.1117834652725019},{"text":"But the 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I'll","start":3263.8,"end":3264.28,"sentiment":"neutral","sentiment_score":0.2212095707654953}],"sentiment":"neutral","sentiment_score":0.2212095707654953,"channel":1,"num_words":2,"start":3263.8,"end":3264.28},{"sentences":[{"text":"Perfect.","start":3264.19,"end":3264.69,"sentiment":"positive","sentiment_score":0.432639479637146}],"sentiment":"positive","sentiment_score":0.432639479637146,"channel":0,"num_words":1,"start":3264.19,"end":3264.69},{"sentences":[{"text":"let you know next week","start":3264.28,"end":3265.56,"sentiment":"neutral","sentiment_score":0.2808144211769104}],"sentiment":"neutral","sentiment_score":0.2808144211769104,"channel":1,"num_words":5,"start":3264.28,"end":3265.56},{"sentences":[{"text":"Yep.","start":3265.47,"end":3265.965,"sentiment":"neutral","sentiment_score":0.1329721063375473}],"sentiment":"neutral","sentiment_score":0.1329721063375473,"channel":0,"num_words":1,"start":3265.47,"end":3265.965},{"sentences":[{"text":"on Monday.","start":3266.12,"end":3266.78,"sentiment":"neutral","sentiment_score":0.1412692554295063}],"sentiment":"neutral","sentiment_score":0.1412692554295063,"channel":1,"num_words":2,"start":3266.12,"end":3266.78},{"sentences":[{"text":"Perfect.","start":3266.365,"end":3266.865,"sentiment":"positive","sentiment_score":0.6546608209609985},{"text":"Perfect.","start":3267.3252,"end":3267.8252,"sentiment":"positive","sentiment_score":0.749140202999115},{"text":"Thank you so much, Sandra.","start":3267.885,"end":3269.0852,"sentiment":"positive","sentiment_score":0.8348818421363831},{"text":"I will let you go.","start":3269.0852,"end":3270.125,"sentiment":"positive","sentiment_score":0.7864959597587585},{"text":"Thanks for your time, and I look forward to hearing from you soon.","start":3270.125,"end":3273.345,"sentiment":"positive","sentiment_score":0.7972404910967901}],"sentiment":"positive","sentiment_score":0.7949926567077636,"channel":0,"num_words":25,"start":3266.365,"end":3273.345},{"sentences":[{"text":"Thanks, Veronica.","start":3273.7449,"end":3274.7249,"sentiment":"positive","sentiment_score":0.6964284777641296},{"text":"Have a good","start":3274.945,"end":3275.425,"sentiment":"positive","sentiment_score":0.6953567862510681}],"sentiment":"positive","sentiment_score":0.6957854628562927,"channel":1,"num_words":5,"start":3273.7449,"end":3275.425},{"sentences":[{"text":"Thank","start":3275.3252,"end":3275.645,"sentiment":"positive","sentiment_score":0.7062877416610718}],"sentiment":"positive","sentiment_score":0.7062877416610718,"channel":0,"num_words":1,"start":3275.3252,"end":3275.645},{"sentences":[{"text":"afternoon.","start":3275.425,"end":3275.925,"sentiment":"positive","sentiment_score":0.699017345905304}],"sentiment":"positive","sentiment_score":0.699017345905304,"channel":1,"num_words":1,"start":3275.425,"end":3275.925},{"sentences":[{"text":"you.","start":3275.645,"end":3276.145,"sentiment":"positive","sentiment_score":0.49760645627975464},{"text":"You too,","start":3276.2852,"end":3276.7651,"sentiment":"neutral","sentiment_score":0.32495567202568054}],"sentiment":"positive","sentiment_score":0.38250593344370526,"channel":0,"num_words":3,"start":3275.645,"end":3276.7651},{"sentences":[{"text":"Okay.","start":3276.7048,"end":3277.105,"sentiment":"neutral","sentiment_score":0.2931152880191803}],"sentiment":"neutral","sentiment_score":0.2931152880191803,"channel":1,"num_words":1,"start":3276.7048,"end":3277.105},{"sentences":[{"text":"Sandra.","start":3276.7651,"end":3277.2651,"sentiment":"neutral","sentiment_score":0.3004927635192871}],"sentiment":"neutral","sentiment_score":0.3004927635192871,"channel":0,"num_words":1,"start":3276.7651,"end":3277.2651},{"sentences":[{"text":"Bye.","start":3277.105,"end":3277.605,"sentiment":"neutral","sentiment_score":0.2386225312948227}],"sentiment":"neutral","sentiment_score":0.2386225312948227,"channel":1,"num_words":1,"start":3277.105,"end":3277.605},{"sentences":[{"text":"Bye.","start":3277.885,"end":3278.385,"sentiment":"neutral","sentiment_score":0.19179007411003113}],"sentiment":"neutral","sentiment_score":0.19179007411003113,"channel":0,"num_words":1,"start":3277.885,"end":3278.385},{"sentences":[{"text":"Bye.","start":3279.025,"end":3279.525,"sentiment":"neutral","sentiment_score":-0.09308936446905136}],"sentiment":"neutral","sentiment_score":-0.09308936446905136,"channel":1,"num_words":1,"start":3279.025,"end":3279.525}]},"summary":{"result":"success","short":"The representative from Financial discusses with Sandra about her research on her super and recommends reducing fees and improving her investment return. They provide personal and personal information and personal recommendation for reducing fees and improving investment return. The representative guides Sandra through the process of reviewing her due graduation and risk profile, personal information updating risk profile details, and personal information updating risk profile details. The representative emphasizes the importance of reducing fees and maintaining a positive return on investment, and recommends changing the investment portfolio to Vanguard and staying in the growth investment. The agent explains the difference between direct and ETF investments, recommends changing the portfolio to Vanguard, and emphasizes the importance of maintaining diversification and reducing fees while maintaining a positive return on investment. The agent also emphasizes the importance of having a minimum cash balance and offers advice on a beta share investment."},"intents":{"segments":[{"text":"So what I'll need you to do is just click on the link. Now I know it says sign now. It won't get you to sign right away, but it will allow you to open the document to view it Mhmm. first.","start_word":364,"end_word":405,"intents":[{"intent":"Guide document access","confidence_score":0.0045946836}]},{"text":"simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you. We're not making any changes or anything to your insurances in this stage. So simply just focusing on your superannuation.","start_word":892,"end_word":947,"intents":[{"intent":"Discuss completion and recommendations","confidence_score":0.000003029629}]},{"text":"Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own time.","start_word":1144,"end_word":1170,"intents":[{"intent":"Discuss risk profile and growth recommendations","confidence_score":9.922298e-7}]},{"text":"What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see. Yeah.","start_word":1446,"end_word":1482,"intents":[{"intent":"Reupload and send recommendations","confidence_score":0.016711961}]},{"text":"While he's kind of sending that to you, just so I don't keep you waiting for too long, I will just kind of go through some of the general stuff. And then when you can see the numbers, then we can kind of I'll I'll show you all those comparisons.","start_word":1504,"end_word":1553,"intents":[{"intent":"Analyze superannuation costs","confidence_score":0.0017574718}]},{"text":"Now we have just issued that new document to you, so let me know if that came through through okay. Yeah.","start_word":2020,"end_word":2040,"intents":[{"intent":"Discuss and reissue document","confidence_score":0.000084984014}]},{"text":"Does that have 25 pages?","start_word":2394,"end_word":2398,"intents":[{"intent":"Organize documents","confidence_score":0.010722986}]},{"text":"Like I mentioned, insurances, it's the same across everyone to kind of show you more just what your super would do. Now you can see your total cost. So out of this, you can see that Vanguard is cheaper. So Mhmm. Yeah.","start_word":2627,"end_word":2668,"intents":[{"intent":"Educate on cost","confidence_score":0.0003563928}]},{"text":"Your current portfolio has done 14.28 $2.00. Okay? So even though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return. But, obviously, it is a little bit more expensive. So then you have to look at, obviously, the net outcome. Mhmm.","start_word":3165,"end_word":3212,"intents":[{"intent":"Ensure portfolio performance","confidence_score":0.00023917577}]},{"text":"So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper.","start_word":3330,"end_word":3360,"intents":[{"intent":"Comparing fees","confidence_score":0.00044427504}]},{"text":"So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper. So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost.","start_word":3330,"end_word":3380,"intents":[{"intent":"Reducing investment cost","confidence_score":0.06271106}]},{"text":"So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper. So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost. Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the changes. Now Mhmm.","start_word":3330,"end_word":3404,"intents":[{"intent":"Explaining cost reduction","confidence_score":0.0051774327}]},{"text":"So that's also why you see the adviser service fee in this table being a little bit cheaper. So Mhmm.","start_word":3458,"end_word":3477,"intents":[{"intent":"Including adviser fee","confidence_score":0.0011000729}]},{"text":"So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%. So, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA. Mhmm.","start_word":3569,"end_word":3612,"intents":[{"intent":"Comparing portfolio performance","confidence_score":0.05538658}]},{"text":"Now I have used the same projection forward so you can see it more in, like, the dollar value, which is page 16. Can you see that?","start_word":3619,"end_word":3645,"intents":[{"intent":"Using project forward","confidence_score":0.000066000706}]},{"text":"Well, so that income is only, like, what is is being earning in in interest in in Correct. the portfolio?","start_word":4074,"end_word":4093,"intents":[{"intent":"Evaluate portfolio income","confidence_score":0.004967126}]},{"text":"So you can see here the market value at the start of the period. In the start of the twelve months, your super balance was at $6,067,740 and 14<unk>.","start_word":4448,"end_word":4476,"intents":[{"intent":"Explain market values","confidence_score":0.00004997786}]},{"text":"You can see your income in the period, so that was income paid into your superannuation from your investment Mhmm. was 1,924. And you can also see growth in the period, so just the investment growth was 10 Mhmm.","start_word":4511,"end_word":4549,"intents":[{"intent":"Describe income growth","confidence_score":0.1136679}]},{"text":"And it was still, obviously, with the last twelve months that we have seen a lot of fluctuations in everything going on in The US and then, obviously, the war and everything. So we have seen a lot of market fluctuations the last twelve months. Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%. Mhmm.","start_word":4593,"end_word":4660,"intents":[{"intent":"Report portfolio growth","confidence_score":0.02223107}]},{"text":"So we have seen a lot of market fluctuations the last twelve months. Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%. Mhmm. But okay.","start_word":4625,"end_word":4662,"intents":[{"intent":"Explain market fluctuations","confidence_score":0.105138585}]},{"text":"And from this 12,531, how much is this deducting from this? Not Mhmm.","start_word":4663,"end_word":4675,"intents":[{"intent":"Explain gross deductible","confidence_score":0.0002585079},{"intent":"Explain account deductions","confidence_score":0.04929699},{"intent":"Explain tax deductions","confidence_score":0.019332834}]},{"text":"So which is why when you add the deposits to the account and the withdrawals and the growth, that's when you have the value difference of 67,740 versus 81,918.","start_word":4765,"end_word":4793,"intents":[{"intent":"Explain income difference","confidence_score":0.0003366676}]},{"text":"when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you have in your superannuation?","start_word":5168,"end_word":5209,"intents":[{"intent":"Provide information","confidence_score":0.07785136}]},{"text":"a platform point of view, it is still fairly competitive. Now I use Hub twenty four personally for my superannuation as well. And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself.","start_word":5262,"end_word":5324,"intents":[{"intent":"Recommend investing for superannuation","confidence_score":0.000039196108}]},{"text":"a platform point of view, it is still fairly competitive. Now I use Hub twenty four personally for my superannuation as well. And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself. Mhmm. Right.","start_word":5262,"end_word":5326,"intents":[{"intent":"Advise recommendations","confidence_score":0.000007594282}]},{"text":"And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself.","start_word":5284,"end_word":5324,"intents":[{"intent":"Recommend alternative options","confidence_score":0.0008486348}]},{"text":"So at the end of the day, your your advice is to keep in half 24, but change the the portfolio. Yeah.","start_word":5327,"end_word":5348,"intents":[{"intent":"Recommend changing portfolio","confidence_score":0.094522856},{"intent":"Recommend portfolio management","confidence_score":0.00011297853}]},{"text":"That is my recommendation. And that's not to say that that's always going to be the choice because Mhmm. the good thing would have what we want to do, obviously, with your annual reviews is we always wanna reassess. So right now, that is, in my recommendation, what's going to put you in the best decision and what I suggest.","start_word":5351,"end_word":5410,"intents":[{"intent":"Predict recommendation","confidence_score":0.0008041283},{"intent":"Reschedule recommendations","confidence_score":0.0009658201}]},{"text":"So the good thing with the, you know, the holistic and ongoing support is that at any point in time, if it's going to be better for you, we can change it.","start_word":5489,"end_word":5520,"intents":[{"intent":"Explain support","confidence_score":0.0028583414}]},{"text":"So at a minimum, under review is where it's a really good touch point of where we can reassess things for you because we can go and do but we can do that at any point.","start_word":5522,"end_word":5557,"intents":[{"intent":"Reassess investments","confidence_score":0.013599142}]},{"text":"Sandra, are you familiar with the different type of investments, like direct shares and ETFs or managed funds, or do you want me to quickly kind of explain the difference?","start_word":6124,"end_word":6153,"intents":[{"intent":"Explain investment concepts","confidence_score":0.0032818303}]},{"text":"for example, how they work is instead of having everything into one company, but let's say you Mhmm. want specific sectors or industries, this is where these come in handy. So for example, can Yes.","start_word":6311,"end_word":6345,"intents":[{"intent":"Organize portfolios","confidence_score":0.0002701491}]},{"text":"So very diversified, but only about 8% in this one. You then have five percent in Japan. You can see that? Yes.","start_word":6655,"end_word":6676,"intents":[{"intent":"Evaluate investment diversification","confidence_score":0.021542124}]},{"text":"So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market. And Mhmm. they were doing really, really, really well. But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through. And because Mhmm. of that as well, they've been a little bit slow in making their investment choices.","start_word":7011,"end_word":7084,"intents":[{"intent":"Explain investment choices","confidence_score":0.001023362}]},{"text":"We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger. Now, obviously, Mhmm. the the older you get and the closer you get to retirement, you wanna have more of defensive investment. But the minimum No. the minimum cash in hub twenty four is just 1.25% of the account balance, which you can kind of see under the table listed there. Okay.","start_word":7358,"end_word":7436,"intents":[{"intent":"Educate on cash balance","confidence_score":0.0049019232}]}]},"sentiments":{"segments":[{"text":"Speaking. Good afternoon, Sandra. It's Veronica from Financial. How are you? Hi. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2352895140647888},{"text":"Good. Thanks. How are you?","start_word":15,"end_word":19,"sentiment":"positive","sentiment_score":0.479609102010727},{"text":"I had you booked in just to go over, you know, the research on your super and showing you, like, the comparisons and stuff that you were looking at.","start_word":20,"end_word":48,"sentiment":"neutral","sentiment_score":0.2736368477344513},{"text":"Is now still a good is now still a good time to go over that?","start_word":49,"end_word":63,"sentiment":"positive","sentiment_score":0.3927077353000641},{"text":"Yeah. Yeah. Yeah. Let's do it. Yeah. Otherwise, I don't need to. I will try to make it quick for you. Yeah. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Mhmm. Okay. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Sandra Mirna Corteffall. The address is 42 Lay Street. And what is the order? Yeah. Just date of birth as well, please. Fourteen o four four nineteen eighty two. Yeah.","start_word":64,"end_word":176,"sentiment":"neutral","sentiment_score":0.06748536229133606},{"text":"Amazing. Perfect.","start_word":177,"end_word":178,"sentiment":"positive","sentiment_score":0.5117071866989136},{"text":"And how's your day been so far? I've been busy. Yes. Very easy. Yeah. Well, like I said, I will try not to make it too long for you. Now, Sandra, do you have access to your emails at the moment? Yes. Yeah. Okay. Perfect. So what I have done is I have just sent you an email with some documents. Mhmm. If you can access them, it makes it a bit easier to kind of go through their the most important points with you with numbers and stuff like that. So if you can open that for me, that would be great. The services guide, Oak Financial Services Guide. So it would be the one sorry. Did you just get an email from me, like, a minute or two ago? Yeah. Yep. Sorry. You will see before you click on the link, you will see a couple of those attachments. Now they're just for your reference. I'll let you have a read over them in your own time. We've kind of went through the OT servicing guide stuff last time. Japanese. Yeah. Yeah. So what I'll need you to do is just click on the link. Now I know it says sign now. It won't get you to sign right away, but it will allow you to open the document to view it Mhmm. first. So if you can click on that link for me, you should then see a cover page where it says, okay, financial statement of the device. Can you see that okay? Yeah.","start_word":179,"end_word":436,"sentiment":"neutral","sentiment_score":0.07081750999818477},{"text":"Yes. Perfect. So this is basically the the recommendation and everything for you.","start_word":437,"end_word":449,"sentiment":"positive","sentiment_score":0.5373679399490356},{"text":"So I have done some research on your current superannuation, specifically focusing on trying to reduce the fees because I know you mentioned you felt like the the the fees were quite high. So focusing Mhmm. on reducing the fees and then also what we could do to, you know, make some changes on your investment to to try to improve the return. Mhmm. Now I have also included research for you. So I did consider your Vanguard, your HESTA, and your Virgin Super. Because last time we spoke, I know you mentioned that those are the options that you are considering, So I Yes.","start_word":450,"end_word":554,"sentiment":"neutral","sentiment_score":0.21316856145858765},{"text":"have included all that research so you can see completely for your facts.","start_word":555,"end_word":567,"sentiment":"positive","sentiment_score":0.3738690912723541},{"text":"Mhmm. Now I do wanna let you know as well that the the recommendations and the SOA, it does expire on the April 13. So you do have a few days to decide. So if you wanna obviously have a rate over it over the weekend and stuff like that, that is fine, but it does expire on Monday the thirteenth. So if you could let me know on Monday what you would like to do. Mhmm. It's completely up to you at the end of the day, but at least you have a couple of days and the weekend to tryna, you know, take your time and have a read over everything as well. Mhmm. Yep. Now on the cover page, you will also see that this has been tailored to you. You will see my details underneath that. So you will see my authorized representative number, and I am licensed under OCU Financial. Mhmm. Now on the second page, you will see the best interest due date. Do you remember what that is at all? No. No. So, basically, what it is, it is a legal requirement that we have to follow, and it basically means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. So there Not. is a lot of protection for you as clients that we have to follow, and that is to make sure that we always just focus on your needs and your goals and make that into consideration when we are making advice. Does that Mhmm. make sense? Yeah. Yeah.","start_word":568,"end_word":853,"sentiment":"neutral","sentiment_score":0.11254377947091222},{"text":"Great.","start_word":854,"end_word":854,"sentiment":"positive","sentiment_score":0.5972155332565308},{"text":"Now next page, table of content.","start_word":855,"end_word":860,"sentiment":"neutral","sentiment_score":0.28083336353302},{"text":"Pretty self explanatory.","start_word":861,"end_word":863,"sentiment":"positive","sentiment_score":0.366168349981308},{"text":"Mhmm. The the following page is kind of talking about scope of advice. So, basically, what this is is the areas we are looking at today. So Mhmm. simply for today, we are just reviewing that due graduation, especially with those fees and the returns and those other options for you to see which one is going to be the most suitable for you. We're not making any changes or anything to your insurances in this stage. So simply just focusing on your superannuation. Mhmm. Yep.","start_word":864,"end_word":949,"sentiment":"neutral","sentiment_score":0.07791203260421753},{"text":"Perfect.","start_word":950,"end_word":950,"sentiment":"positive","sentiment_score":0.4055909216403961},{"text":"Now if you can scroll through to for me, you will see page five and page six. Just some personal information in regards to yourself. Just have a quick read over that for me if there's anything I need to update in the back end. Otherwise, if you wanna scroll to page seven when you're ready. Yeah. Well, I I only see that investor type and then the important relationships. That's it. Yeah. But I don't find I mean, the conclusion that you get everything I I mean, from your research is not in this document, isn't it? It is. It is. Yes. The recommendation is in this document. Okay. Okay. So it will come a little bit as I go through it. Sorry. Mhmm. Can you can you see page seven for me first? Can Yes. you see what that yep.","start_word":951,"end_word":1092,"sentiment":"neutral","sentiment_score":0.023711344227194783},{"text":"Perfect.","start_word":1093,"end_word":1093,"sentiment":"positive","sentiment_score":0.41215935349464417},{"text":"So first of all, it's it's just a little bit of just some general information for your reference, but we will get very soon to the what the recommendation is. But this just basically outlines, you currently have your Subaru in Hub 24. You also have your Clearview insurances. Mhmm. Now after that, you will have some information regards to your risk profile, so I will let you have a read over that in your own time. But, basically, last time we spoke, you mentioned that you are you are quite comfortable in your growth portfolio.","start_word":1094,"end_word":1189,"sentiment":"neutral","sentiment_score":0.1230329847894609},{"text":"You are still wanting to focus on growing your superannuation.","start_word":1190,"end_word":1199,"sentiment":"positive","sentiment_score":0.3474731743335724},{"text":"And in terms of that asset allocation, aiming for about 80% in the growth investment and 20 in defensive. So I have used a similar risk profile to make it a bit more kind of apple to apple comparison when I have Mhmm. done all the research and all the portfolios for you for making sure it's the same level of, you know, risk and stuff like that. But Yep. what I I don't see is the what is the I mean, between the three funds, Yep. which is Yep. the most Important for you? yeah. Yes.","start_word":1200,"end_word":1296,"sentiment":"neutral","sentiment_score":0.0761447325348854},{"text":"Perfect. It is coming very soon for you.","start_word":1297,"end_word":1304,"sentiment":"positive","sentiment_score":0.5318533778190613},{"text":"So if you wanna scroll to page 10, Yeah. you will see the actual recommendation. What I'll go, I'll go to the tables first. So what I have recommended after doing all the research is that you stay in hub twenty four and change your investment. I will go through the changes and what they look like for you as well as the comparisons so that you can see that for yourself. But I don't have page 10. My my document finish at page nine. Okay. Which is probably why you can't see see those comparisons. Let me have a look here for you. So what did your documents finish it? What does it say that it just finishes at page 10? No. It finishes at eight nine with the life insurance through superannuation, and that's it. It finishes there. Okay. What I might get my colleague to do is to just reupload that for you and send it now because, yes, obviously, that's only a little part of it, and the actual recommendations, you can't see. Yeah. So my colleague will just put that through the system now so you will get a new email shortly. Mhmm. While he's kind of sending that to you, just so I don't keep you waiting for too long, I will just kind of go through some of the general stuff. And then when you can see the numbers, then we can kind of I'll I'll show you all those comparisons. And you just let me know as soon as you get that email, the new email. Okay? Okay. Okay. Okay. Now let me see here. So if I start with the comparison, so I did look at, obviously, your Vanguard, your Virgin Soup, and your HESTA, which as soon as you get that email, I will point you to their correct page. By basically making a switch to another superannuation, what we would have to do is obviously sell down all your investment. Now when you sell investments, so both in that super and outside superannuation, you have to pay capital gains tax. So you have to Mhmm. do that when when you sell investment. So because your super has grown since when you came on board, which is great, if you decide today to be like, you know what? This is not for me, and I wanna go to Vanguard or Hesta or Virgin, there will be, obviously, capital gains that would come out of your ballot. Mhmm. Now that amount and it fluctuates when you calculate it because it does change on a daily. But, roughly, it will be about $2,000 and 87 sorry. $2,087 is the tax that will come out of your superannuation. So just so you know, the the balance difference. So that is every time you make a change, you will have to sell investment. Now when we are making changes with your superannuation, we focus on trying to minimize that. So we Mhmm. obviously don't want you to pay, you know, the the tax, but we also wanna make sure we also switch you to the investment that's going to do good. So if you are just selling out of everything and moving, the tax will be about that 2,087, which is why the balance looks a bit different on the table, which you will see shortly. Basically, it will take your your balance to about 81,796. So I've used that for comparing straight Vanguard, straight Virgin, and straight Hepa super for you. Now in the comparison research, I have just to, again, give you as close comparisons as possible. I have just left your current Clearview insurances. So you can move them if if you wanted to keep them. So that's not that's a completely separate company clear view. It's not tied to your current hub twenty four. So just for for these purposes, I have just factored in your current insurances if it is that you decide to keep Does that make sense so far? Yes. Yep.","start_word":1305,"end_word":1978,"sentiment":"neutral","sentiment_score":0.025920828959133575},{"text":"Now with your Vanguard Super, I have used a three year rolling average when I compare the returns on all portfolio.","start_word":1979,"end_word":1999,"sentiment":"positive","sentiment_score":0.346234530210495},{"text":"Some didn't have five years, so that's why we've used three on everything to make it more like for like. Now we have just issued that new document to you, so let me know if that came through through okay. Yeah. Yeah. Yes? I got Okay.","start_word":2000,"end_word":2045,"sentiment":"neutral","sentiment_score":0.22803577780723572},{"text":"it. Perfect. The Now, hopefully, you have everything now.","start_word":2046,"end_word":2054,"sentiment":"positive","sentiment_score":0.42658692598342896},{"text":"mhmm. The appendix again. Yeah. If you click on the link where it says sign now, Mhmm. Yeah. Let me see. No. It's the same I have. It's the same finish in beige night. It still finishes on page nine. Yeah. Okay. What I might do is just send you the document by itself on email so you can Mhmm. see it, and then I'll have a have a chat to the team if there's a bit of a technology issue and then get it reissued to you. But then at least Okay. way this this way, you can see the whole document now when we're going through it. Mhmm. Alright. Yeah. Just bear with me. I will just email you that now. That is very strange that you're only getting that because I can see all all the pages here from what I sent. Yeah. Actually, I received this document previously when when we missed a call. And I opened it and and I was the same like it, but I cannot see anything. You have a like, hello.","start_word":2055,"end_word":2234,"sentiment":"neutral","sentiment_score":-0.05364840477705002},{"text":"No. That is very strange.","start_word":2235,"end_word":2239,"sentiment":"negative","sentiment_score":-0.44128209352493286},{"text":"We do have access to another software. So what I might get the team to do later is, like, when I get off the phone, is to send it through a different software and see if that helps. But for now, anyway, bear with me, and I will just attach it as a PDF version so that you can actually see it. Mhmm. Let me see here. Okay. I'll add all the attachments as well so that you can see them. Okay. That is on its way to you now, just just normal email. Mhmm. So it won't get you to sign anything, but at least you can look at it while I'm trying to get the team on the IT. So that should come through to you shortly. It says it was just sent on my end. Yeah. I got it. You got it? Yeah. So it should be again the appendix. Okay. Does that have 25 pages? So when you open the email, you should see a couple of different attachments. And if you can open the last It's one, it should say statement of advice. it is the oh, wait. There should be four attachments, and it's just the first one. Yes. I think I'm Yes. good. Okay. Yeah.","start_word":2240,"end_word":2451,"sentiment":"neutral","sentiment_score":0.07987470780762862},{"text":"Perfect.","start_word":2452,"end_word":2452,"sentiment":"positive","sentiment_score":0.3647268116474152},{"text":"The 25 pages. Yeah. Yes. Got it.","start_word":2453,"end_word":2459,"sentiment":"neutral","sentiment_score":0.16492776572704315},{"text":"Oh, great. Perfect.","start_word":2460,"end_word":2462,"sentiment":"positive","sentiment_score":0.4518393874168396},{"text":"So if you can scroll that's probably why you were like, what are you talking about? If you can scroll through through Mhmm. page let me see here. 15. No. Sorry. 17 for me. Mhmm. It can sometimes be 18 depending on the cover page, but the heading should say industry fund comparison. Yes. Alright. Proposed a sale location, then power ongoing services. Oh, wait. Industry. Yep. Got it. Yep. You can see this table. So you can Mhmm. see vendor, Virgin, and Hester. Yep. Yep. So this is the the the comparison. So you can see here, you know, the balance, like I mentioned. You can see the difference that they would charge in admin fees, investment fees, and other fees associated with the account. Now you can also see here that adviser fee is obviously zero because if you go there, then we you know, you wouldn't stay on other clients. You wouldn't pay any adviser fees to show you that. Mhmm. Like I mentioned, insurances, it's the same across everyone to kind of show you more just what your super would do. Now you can see your total cost. So out of this, you can see that Vanguard is cheaper. So Mhmm. Yeah. that is for 453, 612 for Virgin, and has the 812. Now as your super balance change, sometimes this would obviously change because some some insurers sorry. Some superannuation funds have a percentage of the balance. So if your balance is, let's say, 250, Vanguard might not be the cheapest anymore. It just depends. But right now, from your current balance, Vanguard is the cheapest. Mhmm. Now you have then the three year rolling average. So showing you on average in the last three years how their growth portfolio has performed. Now you can see Vanguard is 13.59, Mhmm. Virgin, 15.58, and HESTA, 12.88. So you can see that from here, Vanguard has performed historically anyway, Mhmm. the best out of it. Mhmm. Mhmm. Now that's then been projected forward five and ten years so that you can see the difference. Now Mhmm. this is also kind of assuming no contributions going into superannuation and your Clearview insurances. You Mhmm. can't you can never guarantee the returns of what is going to happen in the market, but at least using the same time frame gives you a little bit more certainty of because they've had the same level of market fluctuations and stuff like that during this period of time. Does that make sense so far, Sandra? Mhmm. Yes. Yep.","start_word":2463,"end_word":2888,"sentiment":"neutral","sentiment_score":0.06417258831501847},{"text":"Perfect. That would give you this.","start_word":2889,"end_word":2894,"sentiment":"positive","sentiment_score":0.48531925678253174},{"text":"So I use that as part of the research to make sure that, well, if Vanguard was going to be the best option for you, at least out of these three, that was the most favorable in terms of what you wanted, is that better than Hub twenty four with the changes in the portfolio? So those were kind of the two options that I was leaning towards. And you can see here lump sum in five and ten Mhmm. years. So if we use ten years, for example, you have or let's do five because it's it's it's closer of a 120,675. Okay? Now if you wanna scroll up to page 15 for me. Can Mhmm. you see that? 15. Yeah. So you can see can you see the heading where it says fee comparison? Yeah. The proposed Yep. asset allocation. One down. The fee comparison test Free comparison. Yeah. Yes. Yep. So this is what I have recommended. So you can see your current situation. So you're Mhmm. current in Hub 24. Mhmm. Now you can see that Hub 24 as a platform is a little bit more expensive than Mhmm. Vanguard, for example. So Mhmm. it is a little bit more costly. Now this also factors in your adviser service fee. So, obviously, the fees through to to keep us advisers on your account. So that's Mhmm. also factored in for you. Again, no contribution and the same insurance with ClearView. You can see your total cost in hub twenty four at the moment, so 2,338. Now Mhmm. you can see the same three year time frame. Your current portfolio has done 14.28 $2.00. Okay? So even though, hub twenty four was more expensive, even your old portfolio, was outperforming in terms of return. But, obviously, it is a little bit more expensive. So then you have to look at, obviously, the net outcome. Mhmm. You then have recommended. So this is what I have recommended that you stay in hub twenty four, but change your investment. Now the balance at the top where you see the difference of 654, can you see that? Mhmm. That is the tax again. So it's a lot lower than obviously selling everything because by making the change in the portfolio, we wouldn't have to sell all your investments. We would just change a couple. So a couple for some that's been performing a little bit better. So the capital gains tax on what I have recommended will be about 654. Okay? Mhmm. Yep. Now you can see here the total cost of this recommendation. So the admin fees are the same, and the other fees are the same because it's the same platform, But you can see that the investment fees are a lot cheaper.","start_word":2895,"end_word":3359,"sentiment":"neutral","sentiment_score":0.08462313508955381},{"text":"So focus more on trying to reduce your fees on your investment where possible to try and reduce the cost.","start_word":3360,"end_word":3379,"sentiment":"positive","sentiment_score":0.389800488948822},{"text":"Now you can see here the total cost at the bottom, that's about a difference of $706 by making the the changes. Now Mhmm. we've also just made some changes to our coupling fees as well, which these so before, it was obviously, 1.65 was your ongoing advice fee from superannuation. But because both you and your partner is a client, Mhmm. we have reduced that to make it cheaper for you. So that is reduced to 1.1%. So that's also why you see the adviser service fee in this table being a little bit cheaper. So Mhmm. it's reducing it by about 464. Does that all make sense so far? Mhmm.","start_word":3380,"end_word":3491,"sentiment":"neutral","sentiment_score":0.206132248044014},{"text":"Perfect.","start_word":3492,"end_word":3492,"sentiment":"positive","sentiment_score":0.4195558726787567},{"text":"Now, again, obviously, Hub 24 is a little bit more expensive than Vanguard, but it's mainly in regards to the sophistication of the platform, but mainly in regards to what it allows us to do with your investment. So we obviously have to factor in what if it's more expensive is can we do more with the return so that at the end of it, so after fees and everything, are you in a better position? So using the same three year time frame as the other one, the new recommended portfolio has performed at 17.39%.","start_word":3493,"end_word":3588,"sentiment":"neutral","sentiment_score":0.16703198850154877},{"text":"So, historically, it has done quite a lot better than your current, but also quite a lot better than Vanguard, Virgin, and HESTA.","start_word":3589,"end_word":3611,"sentiment":"positive","sentiment_score":0.377562940120697},{"text":"Mhmm. Can you see that? Yes. Yeah. Now I have used the same projection forward so you can see it more in, like, the dollar value, which is page 16. Can you see that? So one page down. Yeah. So just the next page from what we were just looking, it should Yes. say projected. Yep.","start_word":3612,"end_word":3667,"sentiment":"neutral","sentiment_score":0.091710165143013},{"text":"Perfect.","start_word":3668,"end_word":3668,"sentiment":"positive","sentiment_score":0.4174913763999939},{"text":"So, again, same time frame, five and ten years Mhmm. so that you can see, obviously, after advised fees, after platform, have 24 fees and return, what you are projected to be on track to have.","start_word":3669,"end_word":3704,"sentiment":"neutral","sentiment_score":0.2322961986064911},{"text":"So when I kinda factored in the returns and the fees and everything, staying in Hub twenty four and changing the investment was putting you in a better position than switching it to Vanguard from your super retirement perspective. So, Mhmm. therefore, I have recommended that option for you.","start_word":3705,"end_word":3753,"sentiment":"positive","sentiment_score":0.36688658595085144},{"text":"Now at the end of the day, it is completely up to you. Mhmm. But doing all this research that was, at the moment, anyway, the the best option for you. Now, obviously, staying on as a client, you would still get access through, obviously, not just your superannuation and portfolio management, all their ongoing services as well. But at least this gives you a bit of a comparison between the options that you were looking at, which hopefully will make it a bit easier Mhmm. for you. Yeah. Yeah. Yeah.","start_word":3754,"end_word":3844,"sentiment":"neutral","sentiment_score":0.2908612787723541},{"text":"It it it looks promising, Yeah.","start_word":3845,"end_word":3850,"sentiment":"positive","sentiment_score":0.38275325298309326},{"text":"Yeah. but it's just that I'm concerned when I see the the reporting in the half twenty four, Mhmm. for example, the income and expenses, Yep. when I see that the total income in the period of the from October, it was $700. Yep. Yep. But in fees, administration plus Mhmm. minimum admin fee, plus keeping fee, plus adjustment, The total adviser fee was 680, Mhmm. and the Mhmm. total expenses is $9.40 900 and 955. So when I see that I see when I how come the total income is 700, but in fees is 900. I mean, Yeah. the total in the year is So $11,564. So that's when I say, oh, I What's cannot happening? Yeah. not I keep. so on the report where it says income, that would be income generated on your investments. So that will be, like, dividends and stuff like that. So that would Mhmm. be what your money what your investments have paid into your service. So that's just the the dividends paid on your investment. You also have, obviously, your investment growth. So it is a little bit different that income alone where it says on those reports doesn't tell you how your super balance have changed because that is just the income earned on your investment. So does that make sense? Yeah. Well, so that income is only, like, what is is being earning in in interest in in Correct. the portfolio? Correct. So that is income in the period. So do you know do you know what I will do? Let me see But here. but if it's still in the in I mean, if the if the earnings of the interest, so Mhmm. it's still I'm not earning nothing because the fees are even higher. You know No what worries. I mean? I know what you mean, but on the report so in if I just do it twelve months, so what I'm do okay. What I'll do is I'll send you this one right now, the one I'm looking Mhmm. at. Just Mhmm. bear Yeah. with me. Let me save that because that makes more that makes sense because then I'm just doing a twelve month twelve month report from right now until this time last year so that you can see and then it makes probably more sense of what I'm talking about as well. Let me just save this and email this to you again. Okay. Okay. I have just sent that to you in an email again, Mhmm. which is, yeah, twelve twelve months. Sorry. Let me know when that one comes through. Mhmm. Not yet. No. That came through? Oh, not yet. Okay. Let me see here. It says Yeah. it's Got just it. a Perfect. Mhmm. Sorry. If you can open Alright. this for me. Yeah. Performance Yep. report. Yep. Correct. Yes. Now this shows you your current situation. So obviously, not what I have recommended, but currently. Now what you can see here is all your investments. What you Mhmm. can also see is where it says internal rate of return. So the second column to the right, can you see that? Yes. Yep. Now that is how each of your investments have performed over the last twelve months after fees. Now the one in bracket has been down.","start_word":3851,"end_word":4408,"sentiment":"neutral","sentiment_score":0.013774288798211723},{"text":"Everything else is positive.","start_word":4409,"end_word":4412,"sentiment":"positive","sentiment_score":0.4606905579566955},{"text":"So if you scroll through the second page of this document, you will say total portfolio. Mhmm. Yeah. Yeah. So this is the the one that's the most kind of when we are talking. So you can see here the market value at the start of the period. In the start of the twelve months, your super balance was at $6,067,740 and 14<unk>. Mhmm. At the end of the twelve months, the after fees and everything, your super was at 81,918.","start_word":4413,"end_word":4495,"sentiment":"neutral","sentiment_score":0.12913735614842678},{"text":"You can see here that it did go up quite a bit, more than that thousand dollars.","start_word":4495,"end_word":4512,"sentiment":"positive","sentiment_score":0.40931081771850586},{"text":"You can see your income in the period, so that was income paid into your superannuation from your investment Mhmm. was 1,924. And you can also see growth in the period, so just the investment growth was 10 Mhmm. thousand 604. Total earnings was 12,531. Mhmm. The internal rate of return, again, second column to the right, is everything net of fee. So this is how your portfolio did in the last twelve months after all fees came out of your account. And it was still, obviously, with the last twelve months that we have seen a lot of fluctuations in everything going on in The US and then, obviously, the war and everything. So we have seen a lot of market fluctuations the last twelve months. Despite all of that and despite the fees, your portfolio in the last twelve months was still positive and up by 15.35%. Mhmm. But okay. And from this 12,531, how much is this deducting from this? Not Mhmm. not from that amount. The total withdrawals that came out of your account for the last twelve months, Mhmm. so insurances, adviser fees when you came on board and everything was 3,862 in 17. So that is the withdrawal from the account, but that can also be a tax and other things. That is everything that was deducted from your account. So that is separate. So that's not the growth that's separate to it. That's not part. That's just what you made there and then Mhmm. the the withdrawals. So which is why when you add the deposits to the account and the withdrawals and the growth, that's when you have the value difference of 67,740 versus 81,918. That value is isn't that high? 3,000 out of the 80 of the with 12,000 something is how much is that the percentage? So it's not really out of that amount because that's separate.","start_word":4512,"end_word":4827,"sentiment":"neutral","sentiment_score":0.01724463728657346},{"text":"So how your superannuation grew, that was the total amount.","start_word":4828,"end_word":4837,"sentiment":"positive","sentiment_score":0.3655613362789154},{"text":"And then on top of that, obviously, your super grew by the 12,500 and but if you want me to just quickly do the difference, I can calculate that for you. That $1.49 $3.08 $6.02 17. It's a positive 8,669 and 32<unk>. And, I mean, in your in your experience, because at this point, I have no comparison. Is Yep. this right? I mean, 3,000 in fees annually. Is that It won't be annually that fee for you alright? because we have changed things. So for the first year, it tends to be more expensive because you obviously have ongoing advice fee and up front and everything like that. So the first year tends to be a little bit more of everything.","start_word":4838,"end_word":4961,"sentiment":"neutral","sentiment_score":0.05410774052143097},{"text":"But from your what you are paying and what you are getting in your investments, it's definitely competitive. Now even with our adviser fee, it's quite competitive in the market, what's out there.","start_word":4961,"end_word":4994,"sentiment":"positive","sentiment_score":0.5127039551734924},{"text":"You might have some that's charging a lot more, and you may have some that's charging a little bit less.","start_word":4994,"end_word":5014,"sentiment":"neutral","sentiment_score":0.04855767637491226},{"text":"But with the coupling fees that we have reduced it to at the moment, at 1.1 ongoing, it is very competitive of the market.","start_word":5014,"end_word":5038,"sentiment":"positive","sentiment_score":0.4612239897251129},{"text":"Now if I looked at the fees, because I'm not tied like, we we are a holistic firm, so we're not tied to one hub twenty four or any style of investment. We can choose a lot of different options. We have hundreds and hundreds of different options that we can choose from, whichever is going to be the best for you. So if Mhmm. I factored in the fees and I did the research and the fees showed that is too much for what you are getting at the end of it from a return on your investment, I would recommend that we change it through something cheaper like Vanguard.","start_word":5038,"end_word":5149,"sentiment":"neutral","sentiment_score":0.01747218333184719},{"text":"But if by changing it to Vanguard, you're not gonna get the same growth on your investment.","start_word":5149,"end_word":5166,"sentiment":"negative","sentiment_score":-0.4877307415008545},{"text":"So Mhmm. when I factor in everything so when I factor in, okay, is it worth paying a little bit more to have more choices with your investment to make sure that your superannuation has more return on what you have in your superannuation? After fee, it showed that hub twenty four, even though it's a little bit more expensive than, let's say, Vanguard, it was still gonna, at the end of it, put you in a better position and ensure that you have more money even though it's a little bit more expensive. But on Mhmm. a platform point of view, it is still fairly competitive. Now I use Hub twenty four personally for my superannuation as well.","start_word":5166,"end_word":5283,"sentiment":"neutral","sentiment_score":0.15457630902528763},{"text":"And if it if I felt like it was very expensive and there were better options out there that would give me more choices with the investment, I would not recommend it to you, and I would not use it myself.","start_word":5284,"end_word":5324,"sentiment":"negative","sentiment_score":-0.4408434629440307},{"text":"Mhmm. Right. So at the end of the day, your your advice is to keep in half 24, but change the the portfolio. Yeah. Correct. Yes. That is my recommendation. And that's not to say that that's always going to be the choice because Mhmm. the good thing would have what we want to do, obviously, with your annual reviews is we always wanna reassess.","start_word":5325,"end_word":5389,"sentiment":"neutral","sentiment_score":0.16094687581062317},{"text":"So right now, that is, in my recommendation, what's going to put you in the best decision and what I suggest.","start_word":5390,"end_word":5410,"sentiment":"positive","sentiment_score":0.34243708848953247},{"text":"But that's not to say that's always going to be the choice. If in, let's say, two years or next annual review, I go and do research again and it shows, well, well, right now, maybe, let's say, Vanguard have changed their product or have changed their fees or Hub24 have increased their fees or whatever it might be, we can always Mhmm.","start_word":5411,"end_word":5473,"sentiment":"neutral","sentiment_score":0.14464323222637177},{"text":"then move you to wherever you need what's going to be the best for you. So the good thing with the, you know, the holistic and ongoing support is that at any point in time, if it's going to be better for you, we can change it. So at a minimum, under review is where it's a really good touch point of where we can reassess things for you because we can go and do but we can do that at any point.","start_word":5474,"end_word":5556,"sentiment":"positive","sentiment_score":0.4656104955328516},{"text":"So if you call me in three months or six months and you go, you know what? I'm still not sure. Can I do some more research on these things? We can do this all part of the service. We can do that. We can change it whenever you want to. And like I said, what is there that could be in, let's say, three years, that could be a new superannuation fund that maybe opens up that's even cheaper, that has so many investment choices.","start_word":5557,"end_word":5642,"sentiment":"neutral","sentiment_score":0.15652987360954285},{"text":"If that's better for you, then I will do the research. And if it's cheaper and have good returns, then we can recommend that for you.","start_word":5643,"end_word":5668,"sentiment":"positive","sentiment_score":0.5035242438316345},{"text":"So it's not to say that it's going to be this. You know? Because as your super balance grow, they you know, fees and stuff like that, it's important to always reassess it. Because, also, your situation and your life will change. You know? You might decide to, you know, go back to work, or that might change some contributions, or you might decide, you know what? I, you know, don't wanna make any contributions to super for a while. That's okay. Or you, you know, move somewhere. Like, it's always evolving around your life situation as well and what Mhmm. happens to you. How do I know, I mean, that your proposal of the new portfolio? I mean, how do I know that this is right? Yeah. Because I'd I I can see, yeah, selling yeah. the Betas Rafi, Mhmm. selling the Betas chair cybersecurity. So what is the idea is to put the shares more into into I I mean, what is the the the Yeah. strategy there? That's a very good question. Sorry. If you can go back into the e the document that had all the tables and everything, the other one, Mhmm. if you can go back into that one for me. Mhmm. Now the investments Yeah. is on That's the one I'm I'm seeing. yeah.","start_word":5669,"end_word":5889,"sentiment":"neutral","sentiment_score":0.015232552719466826},{"text":"Oh, great. Perfect. Perfect.","start_word":5890,"end_word":5893,"sentiment":"positive","sentiment_score":0.7254196405410767},{"text":"Yes. Page Yeah. 13. Now what I have done as well is in the appendix, which is in my email as well, which I'll let you Mhmm. have a read over in your own time, it's a sec that's where research goes. So what I have done is so that you can go, if you would like, to do your own research on the investment, I have included links. So investment links. So Mhmm. what we have recommended, there is attachments to each and every single one of them so that you can also Okay. go and have a read over it, and it's full transparency of what they are. But, essentially, from a little summary point of view, if you're on page 13, you can see investment name. That's Mhmm. what they are called. Now you can see your current rate allocation, so how much is in each option, then what the balance is equating to that. The buy and sell column. So red is what we are selling. Black Mhmm. is what we are buying. The Mhmm. target weight, you can then see what we are aiming for in terms of a percentage of this superannuation. Now Mhmm. the one thing I do wanna say as well when it comes to the investment is that we have targeted that portfolio using kind of low cost ETF. So, Mhmm. Sandra, are you familiar with the different type of investments, like direct shares and ETFs or managed funds, or do you want me to quickly kind of explain the difference? If you'd be listening, it Yeah. would be Sure. great. So to keep it very simple, let's say so a direct share is where you invest directly into one company. So all the money goes into one specific company. So Mhmm. let's say BHP, for example. Mhmm. So if you have a direct shares, you put all the money into just one company, BHP, everything is in one option. We don't have any of direct shares in your portfolio because they can be really good, but they can obviously be a bit risky depending on what because everything goes in, so we haven't done that. Now your other option is exchange traded funds, so we call them ETF for sure. Now Mhmm. what this is, which is what what your new portfolio is, so all of the investments that I have recommended are what we would call your ETFs, and they are low cost options. Now, Mhmm. for example, how they work is instead of having everything into one company, but let's say you Mhmm. want specific sectors or industries, this is where these come in handy. So for example, can Yes. you see the IVV iShares SMP 500? Can you see that one? Yep. So this is this is a good example because in that one investment so you can see even though there's 30% into this one investment, this investment alone invests in 500 companies. So what you are invested in here is the 500 biggest companies listed in The US. So you will have companies like Apple and Microsoft and Amazon, which you would kind of, you know, use and see every day.","start_word":5894,"end_word":6429,"sentiment":"neutral","sentiment_score":0.0799825679886141},{"text":"So the reason why this is the biggest holding is because it's very diversified because you obviously have 500 companies.","start_word":6430,"end_word":6449,"sentiment":"positive","sentiment_score":0.40694212913513184},{"text":"So if one thing happened to one company, it wouldn't have as much of a difference than Mhmm. because it's very spread out for you. So and it's The US market is doing really well. It can fluctuate a little bit, but but it's done really well historically. So that's why it's 30% in this month. So, obviously, not a bit more it's still a growth investment because you are for you're putting it in equity, but very diversified for you. Now you then also have, for example, 8% versus iShares Europe. Can you see Mhmm. that? Yes. Yep. So this one here, again, invests in a range of different large companies in Europe. So we don't wanna put everything into one market. We don't want everything in The US or everything in Australia. We wanna kind of diversify. So if anything happens to one market, not the whole portfolio will be affected. So Mhmm. this one kind of invest in your your large and midsize European companies. So the majority of the companies are kind of in The UK, Germany, France, Switzerland. And some of the companies, like, the biggest ones you'll have is, like, Nestle and Novo Nordisk or AstraZeneca and Shell. Mhmm. So very diversified, but only about 8% in this one. You then have five percent in Japan. You can see that? Yes. Yep. And, again, it's not just into one investment.","start_word":6450,"end_word":6685,"sentiment":"neutral","sentiment_score":0.1681165370016785},{"text":"There's a range of lot of different investments into this option here for you to, again, give you the diversification, but it also means that it's a little bit cheaper.","start_word":6686,"end_word":6715,"sentiment":"positive","sentiment_score":0.45266619324684143},{"text":"Because how they typically work is that they just track and index. So with the iShares S and P 500, you are just tracking the 500 largest company. So as a new company comes in and gets really big and grows, it'll get added to the list. And as another one gets smaller, it falls out. So you don't need as much of that active management, which is where the higher fees comes in because it's a bit more targeted to reducing those fees for you while still giving you the diversification. Got it. You then have, yeah, you then have 8% of the second one at the bottom versus Vanguard all well. So this is a Vanguard investment that we have Mhmm. included. So in hub twenty four, you can have Vanguard investments as well. Mhmm. But this one here, investing companies all around the world, but it excludes The US because you already have exposure to The US in the other investment. So we don't wanna have too heavy in one section. Okay? Got it. Yeah? And Yes. this one invest in, you know, in Asia and emerging markets, basically, all all kind of around the globe. But then we also wanna make sure you have a bit of exposure to Australia. So that is the bottom one at 20%, which is the Mhmm. beta shares Australia 200. Now Yes. I have included this one and swapped out that Benelong Australian equities. That was the one investment that was down for you. Now Benelon, how that one is slightly different to all your other investment is that they are what we would call a managed fund. So they are a little bit more expensive because they are trying to outperform the market. So they are trying to actively buy and sell, you know, a lot of different investments to trying to outperform the market. And Mhmm.","start_word":6716,"end_word":7033,"sentiment":"neutral","sentiment_score":0.13069957368216426},{"text":"they were doing really, really, really well.","start_word":7034,"end_word":7040,"sentiment":"positive","sentiment_score":0.373458594083786},{"text":"But more recently, they have kind of underperformed a little bit, which what you could kind of see in that other report we went through. And because Mhmm.","start_word":7041,"end_word":7068,"sentiment":"neutral","sentiment_score":-0.21802964806556704},{"text":"of that as well, they've been a little bit slow in making their investment choices. We have decided that, you know, at least now it's not as good to invest in because there's a little bit higher in fees. And if they are not outperforming the market and it's down, there might be better options.","start_word":7069,"end_word":7123,"sentiment":"negative","sentiment_score":-0.4277397096157074},{"text":"So we are completely selling out of this one and then instead doing the beta shares Australia 200. And that one is pretty straightforward that, again, it invests in diversification, so 200 companies, but in Australia. So the 200 largest in Australia. So you will have companies like Commonwealth and DHT and Woolworths. So, again, Mhmm. big companies to give you that diversification. Got it. So better than no one falls down then. There's there's nothing what? Sorry? Mhmm. Better than no one's getting to bankrupt. No. Exactly. And then, also, we have some defensive investments because, obviously, we don't want everything in equity and stuff like that. We have 5% in, you know, your cybersecurity section. Obviously, AI technology not going anywhere anytime soon. So there's a lot of opportunities in this space. This one can fluctuate a little bit more, so that's by only 5%. Because it has good growth opportunities, but we also don't want too much in it if it fluctuates a little bit. Okay. You still have 10% in gold, so kind of your defensive. You're trying to smooth out fluctuations because we don't want everything in equity. You have 10% in gold still, and then you have 6% in your fixed interest. Interest. So, again, trying to have some defensive investments to smooth out. From this one, which is the cash. The cash isn't in investments here. We have the minimum balance because you wanna have as little as possible in cash because they're not growing as much at least when you are younger. Now, obviously, Mhmm. the the older you get and the closer you get to retirement, you wanna have more of defensive investment. But the minimum No. the minimum cash in hub twenty four is just 1.25% of the account balance, which you can kind of see under the table listed there. Okay. Got it. Yeah. And that's just to kind of keep so, you know, like, you know, fees and insurances and stuff like that so that there's enough cash for that. Mhmm. But we obviously don't wanna have too much in cash because it's not gonna grow as much as you invest. Okay. That's a good question. Alright. Mhmm. So I gonna Just go through this document now yes. that I can read it. Yes. Well, I would say that that your your advice must be well. Yeah. So if if I go if I go to through that advice, Mhmm. I just have Yep. to sign in, and that's it. Yeah? Correct. So what I have what my colleague have done for you is you should have received another email. Again, you can do it on your own time or over the weekend Mhmm. with the document.","start_word":7124,"end_word":7582,"sentiment":"neutral","sentiment_score":0.06142577498112369},{"text":"So, hopefully, that works.","start_word":7583,"end_word":7586,"sentiment":"positive","sentiment_score":0.34660130739212036},{"text":"So let me know if it didn't. And that's if you if you are happy with the advice and you wanted to go ahead, you can just sign that one, which should be the newest email, and that should have everything in it. When Okay.","start_word":7587,"end_word":7631,"sentiment":"neutral","sentiment_score":0.26907312870025635},{"text":"when you sign, it will come back to me, and I can see it, and I can let the team know that we go ahead with the change.","start_word":7632,"end_word":7659,"sentiment":"positive","sentiment_score":0.3340945541858673},{"text":"Take Okay. your time to read it. Like I said as well, it is not a lock in contract. So if at any point in time you change your mind, you're not locked in. Adviser fees is only deducted on a monthly basis even though all the fees and everything is calculated annually for you to show you the figure. It only comes out on a monthly basis. So even if you go, okay. Well, let's just give it a go and see how things go, and then you call me in three months or six months or ten months and you've changed your mind, there is no lock in contract or excess fees or anything like that if you do change your mind at the end. Mhmm. Okay. Yeah. That's Does that make good to sense? know.","start_word":7660,"end_word":7797,"sentiment":"neutral","sentiment_score":0.10978518156469733},{"text":"Yeah. That makes sense. Thanks very much for your explanation.","start_word":7798,"end_word":7807,"sentiment":"positive","sentiment_score":0.5658540725708008},{"text":"No. That is okay. I know it's a lot to go through.","start_word":7808,"end_word":7819,"sentiment":"neutral","sentiment_score":0.15757620334625244},{"text":"So thank you for your patience as well and everything. Everything is there for you. Have a read over it.","start_word":7820,"end_word":7839,"sentiment":"positive","sentiment_score":0.5019010901451111},{"text":"Take your time. Yeah. No. And, yeah, let me know Thanks how for you your your research and take Uh-huh. Of the course. time to do it. Yeah. Of So, course. yeah, That's I that's gonna what I'm go here for. through that in Yep. the weekend, Yep. and I'll Perfect. let you know next week Yep. on Monday.","start_word":7840,"end_word":7898,"sentiment":"neutral","sentiment_score":0.1670280396938324},{"text":"Perfect. Perfect. Thank you so much, Sandra. I will let you go. Thanks for your time, and I look forward to hearing from you soon. Thanks, Veronica. Have a good Thank afternoon. you.","start_word":7899,"end_word":7931,"sentiment":"positive","sentiment_score":0.7516423463821411},{"text":"You too, Okay. Sandra. Bye. Bye. Bye.","start_word":7932,"end_word":7938,"sentiment":"neutral","sentiment_score":0.24880796670913696}],"average":{"sentiment":"neutral","sentiment_score":0.099005136683948}}}}