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I was just giving you a quick call this morning just to see if you had about ten, fifteen minutes for me to go through the research I did on your super investments at all. Yeah? Okay. Beautiful. Now, Matthew, 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 with you. Yep. Beautiful. And just to confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. Now, Matthew, I did send you the recommendation via email on the September 3. Did you get that at all? Yep. Did you have you had a chance to have a look at it at all or not really yet? Yep. Yes. Perfect. So today is pretty straightforward. It's just to kind of recap or go through that recommendation with you just to see if you are happy with it or if you have any questions. But essentially, after the under review we did, I wanted to do some research on your super investments to see if we wanted to change anything, especially with market conditions and everything, especially in relation to that Benelon investments just to see if we can put you in a little bit better position when it comes to those investments. Do you remember that conversation? Yeah. Okay. Beautiful. And are you kind of driving at the moment or on the go? Okay. Perfect. Do you have access to your emails at the moment to get that document up at the same time at all? Okay. Because it just makes it a little bit easier as I'm rattling numbers and stuff to you if you can look at that at the same time. So just let me know when you have that one in front of you. And while you do have a look at finding the email, every time we do make a recommendation for you, we have to put everything in that statement of advice. A lot of it is just compliant, quite worthy, but it is to make sure that you fully understand everything as well and have all the information available to you. So I'll just kind of go through the the main changes, and it is pretty straightforward today. It's not too many changes. Yeah. Okay. Beautiful. Now on the cover page, you'll see that this has been tailored specifically for you. You will see my details listed as well. You will see my authorized representative number, and I am licensed under OQ Financial. Now on the second page of this document, it talks a little bit about the best duty. Do you remember ever hearing about that before? Yep. So, basically, this means that we have to act in your best interest at all time, always put you first, And that the advice that we do recommend also has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yeah. Okay. Beautiful. Now if you can kind of scroll through with me, you will see table of contents, pretty self explanatory. You have then scope of advice. Basically, what this means is just the areas we are looking at today. So like I said, pretty straightforward. Just looking at your super, specifically your investments. I have also included information in regards to estate planning, making sure that your super and insurances does go through who you want to go to, something woulda happened to you, as well as including some information in regards to a will and the power of attorney. It is something I always recommend everyone to consider. So I have this included, that information in there for you for you to have a bit of a read over. Yep. Beautiful. Otherwise, if you can scroll down through page. And for me, Matthew, you will see that when you scroll through, it just have some personal information in regards to you, assets, liabilities. It then outlines your superannuation and insurances like we touched on during your annual review. And on page 10, you should then have your risk profile. Yep. Beautiful. So this just basically outlines that during the annual review, you came out as a growth investor. It is the portfolio you currently have. It is very suitable for you with the amount of time you have left until retirement in order to try not to take advantage of grow your super as much as possible. It is not high risk, though. It is a good kind of balance, but we are focusing on growing your super, minimizing fluctuations a little bit as well. So not making any changes to your risk profile today. It is literally just changing a couple of investments. Now if you can then scroll down to page 15 for me, it will take you through a c comparison table. Let me know if you can see that. Yep. So, basically, what you scroll through is basically what I'm about to explain to you. It just shows it in words. I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well. But, essentially, what I have done is part of the research, I've also researched other super funds for you just to make sure that hub twenty four is still the most competitive for you. There's always new products and features that do come to market, so it is good to kind of reassess things every now and then just to make sure it's still a a very good option for you. There's nothing tying us to hub twenty four. But after doing all the research, hub twenty four is still very competitive. But I have recommended that you stay in hub twenty four and literally just change a few investment around. I do use hub twenty four for my personal super as well. So, yeah, have recommended you stay and just change some investments. Now when it actually what it actually looks like in terms of just changing a couple of investments is that you are actually saving about $594 per year in total fees, which still adds up pretty pretty quickly with compounding as well, and that is just to swap some investments around. Now when it actually also comes to the performance, you can see that kind of at the bottom of the first table, it shows you the five year rolling average. So, essentially, obviously, with performance, you can't guarantee what's going to happen, but that is why we like to use a five year rolling average. So using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of how their portfolio has performed and the market as well. Does that make sense? Yeah. Perfect. And you can see on this table here that the recommended portfolio has outperformed your current portfolio by about that 2.36%. With that coupled with your fee saving, you can then see at the bottom of that table when we are projecting that forward for five and ten years. Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of changes. Yep. Now the one thing I do want to let you know to be mindful of is at the top of this table where it says balance, and you can see a difference of $520. Can you see that? Yep. Basically, what this is, it is the estimated capital gains tax with making the changes. So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that. So similar to if you were to, you know, sell an investment property, that will be capital gains tax. It is all taken care of within the super environment, though, so it's not something that you personally have to pay for. And it does not form part of your when you do your tax return or anything like that either. It's all within the super environment. Now I'm trying to minimize that as much as possible for you. So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815. So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about $5.20. So just something I want you to be mindful of. But as you can see, obviously, the fee saving in your investments is 594 per year. So, obviously, very quickly, you will negate that change. Yep. Does that make sense? Yeah. Okay. Perfect. Now if you wanna go to the next page for me, so page 16, you can then see a little bit more when it comes to the differences between the performance. So you have a twelve month, three years, five years, and ten years. And it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great. Now what that actually looks like in terms of the investment change is on page 17. So it's you should see another investment table. It might look a little bit messy sometimes, but can you see that big table? Yeah. So, basically, what this shows, first, you have your investment name, so what they are called, what the investments are. You then have the kind of special little code. You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column. So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to. What's in black is what we are either adding to your portfolio or increasing your exposure to. Does that make sense? Yep. Perfect. Then you have the target weight to how much we are aiming for from in that each investment and then what that looks like from a dollar value. So as you can see here, we have made a couple of changes, and that is just to kind of keep up to date with market conditions and everything for you and making sure we position you well for the future and keeping things very diversified. But when it comes to how the investments and the portfolio is actually put together, that hasn't changed. We are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your portfolio. So these are very kind of passive, very diversified investments, and they do have a larger allocation all allocated through them because of that. So, essentially, for you, what those looks like is 30 in the iShares S and P 500. You already had 26.89% exposure to this investment. It is very good because it's very diversified because you essentially invest in the 500 largest companies listed in The US within that one single investment. So very diversified for you. You then have 20% at the bottom there through the BetaShares Australia 200. Again, kind of a similar where it is investing in the 200 largest companies, but listed in Australia. So, again, we wanna make sure we're keeping very diversified across the globe for you. We then have kind of like your satellite investments. Now these can be a little bit more special specialized. They usually target different sectors or or regions. They can be a little bit more volatile, and that's why they only have a smaller portion allocated through them. But these are also the ones that can give you that good amount of growth. So, essentially, for you, it is at the bottom here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World. You may have heard of Vanguard before. They're they're quite big. Yeah. Yeah. Beautiful. This one here, it does invest in all around the globe, but it does exclude The US because you already have pretty decent exposure through The US in that shares s and p 500. And we also wanna make sure you don't have, like, an overexposure to one market either to keep things very diversified. And then the last kind of satellite investment is cybersecurity. You already had that in your portfolio. It's just reducing the portion from about 8% down to five, but still very much keeping that. And then you have your defensive investments. So we are keeping gold in your portfolio. You had about 8%. Just increasing that up through 10% for you. And you also have 14% in a fixed interest. You're trying to limit those fluctuations a little bit as well, aiming for that about 80% in your growth investments and 20 in defense debt. Does that all make sense? Yeah. Perfect. Now if it was that you wanted to have a radar on these investments in your own time, Matthew, in the appendix, which is the second attachment, I have included investment links to each and every single one of these investments if it was something that you wanted to go and have a read over just to give you that full transparency and everything as well. Yep. Perfect. And, basically, at the end, what it looks like from asset allocation is page 19. You should see a little pie chart and then another table. Yep. Perfect. Yep. This just shows you the asset allocation. So on the second column, it says the profile. It is aiming for about that eighty twenty split. It does fluctuate a little bit with, obviously, market movements, but around that eighty twenty, you can see your existing portfolio, which is about 80.85 in growth and 19 defensive. And then proposed is about $84.93 growth, and defensive about 15.08. So both are still very much within that kind of range of that growth profile for you. Yep. And then at the end, like I mentioned in the beginning, I have included information in regards to setting up, obviously, your beneficiary forms. So making sure that if something were to happen to you, it will go through your partner. Because it's your partner, it will be completely tax free if something were to happen. And the structure I have recommended, it is a binding, non lapsing option. Basically, non lapsing means that it stays in place until you decide to change it instead of you having to recomplete the form every three years. And then binding basically means that it's the trustee of your super fund and your insurance are basically bound to follow your wishes. The other option is a nonbinding, which basically just means that it tells them who you've wanted to go to, that they have ultimate control if they feel that there's someone else that's better suited to it. So it doesn't give you as much certainty. Beautiful. And then like I said, I have some information just in regards to setting up a will and power of attorney for you as well. And that is essentially everything. So kind of, like I said, pretty straightforward. I have recommended you stay in Hub 24. Just switch a couple of those investments out for you, saves you a little bit in the fees and improving returns, which is great. Not changing any fee structure or anything like that for you, and there's no additional fees and charges in regards to this recommendation or research or anything like that. It is all part of that ongoing fee for you. Yep. Now, Matthew, do you have any questions in regards to any of that, or what are your thoughts on all of this? Yep. Okay. Perfect. So, essentially, from here, if you wanted to have take some time and have a read over this, you are more than welcome to. If you are happy to go ahead with the the recommendation in order to move forward, it would just be for you to add your signature where you are in the document similar to what you did for the annual review. It should just ask for your signature and your date. It will then say validate. It will automatically send it back to me, and that lets me know that you are happy to go ahead with the recommendation, and then I can let the investment team know through to action this for you. Yep. Perfect. Now, Matthew, before I let you go as well, I do wanna just let you know that on a personal note, I will actually be going on maternity leave tomorrow. Yes. Oh, thanks. Yeah. Thank you very much. So what I will also do is while I am away so I will be away for about twelve months. So while I am away, my colleague Jenna will kind of take over for me. So I will let her know. If I haven't seen your document come through today, I will kind of let her know to kind of keep keep a lookout and touch base with you and see what you want to do, and then she will oversight to make sure if you are happy to go ahead, the investment implementation and everything like that for you. In the email, I will also include her direct details. So if there's anything that you need, you have her direct contact details as well while I'm away. But if you do forget or email me directly, it will automatically be forwarded to her as well. Yep. Okay. Beautiful. That's great. So I'll keep a look at that today, and then I can get that sorted for you today before I head off. But like I said, keep a look after that other email as well, and you will have her direct contact details. If you forget, though, and you just call the office, they will forward it directly to her anyway, so there's no stress. Yep. Great. Well, thank you so much for your time this morning, Matthew, and I wish you all the best in the next twelve months. And look forward to catching Yeah. Fingers crossed. Fingers crossed. Oh, thank thank you so much, Matthew, and all the best in the meantime. Thanks. 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morning, Matthew. This is Veronica from Oakview Financial. How are you? Yeah. I'm good.\n\nThank you. I was just giving you a quick call this morning just to see if you had about ten, fifteen minutes for me to go through the research I did on your super investments at all. Yeah? Okay. Beautiful.\n\nNow, Matthew, 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 with you. Yep. Beautiful. And just to confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep.\n\nPerfect. Now, Matthew, I did send you the recommendation via email on the September 3. Did you get that at all? Yep. Did you have you had a chance to have a look at it at all or not really yet?\n\nYep. Yes. Perfect. So today is pretty straightforward. It's just to kind of recap or go through that recommendation with you just to see if you are happy with it or if you have any questions.\n\nBut essentially, after the under review we did, I wanted to do some research on your super investments to see if we wanted to change anything, especially with market conditions and everything, especially in relation to that Benelon investments just to see if we can put you in a little bit better position when it comes to those investments. Do you remember that conversation? Yeah. Okay. Beautiful.\n\nAnd are you kind of driving at the moment or on the go? Okay. Perfect. Do you have access to your emails at the moment to get that document up at the same time at all? Okay.\n\nBecause it just makes it a little bit easier as I'm rattling numbers and stuff to you if you can look at that at the same time. So just let me know when you have that one in front of you. And while you do have a look at finding the email, every time we do make a recommendation for you, we have to put everything in that statement of advice. A lot of it is just compliant, quite worthy, but it is to make sure that you fully understand everything as well and have all the information available to you. So I'll just kind of go through the the main changes, and it is pretty straightforward today.\n\nIt's not too many changes. Yeah. Okay. Beautiful. Now on the cover page, you'll see that this has been tailored specifically for you.\n\nYou will see my details listed as well. You will see my authorized representative number, and I am licensed under OQ Financial. Now on the second page of this document, it talks a little bit about the best duty. Do you remember ever hearing about that before? Yep.\n\nSo, basically, this means that we have to act in your best interest at all time, always put you first, And that the advice that we do recommend also has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yeah. Okay.\n\nBeautiful. Now if you can kind of scroll through with me, you will see table of contents, pretty self explanatory. You have then scope of advice. Basically, what this means is just the areas we are looking at today. So like I said, pretty straightforward.\n\nJust looking at your super, specifically your investments. I have also included information in regards to estate planning, making sure that your super and insurances does go through who you want to go to, something woulda happened to you, as well as including some information in regards to a will and the power of attorney. It is something I always recommend everyone to consider. So I have this included, that information in there for you for you to have a bit of a read over. Yep.\n\nBeautiful. Otherwise, if you can scroll down through page. And for me, Matthew, you will see that when you scroll through, it just have some personal information in regards to you, assets, liabilities. It then outlines your superannuation and insurances like we touched on during your annual review. And on page 10, you should then have your risk profile.\n\nYep. Beautiful. So this just basically outlines that during the annual review, you came out as a growth investor. It is the portfolio you currently have. It is very suitable for you with the amount of time you have left until retirement in order to try not to take advantage of grow your super as much as possible.\n\nIt is not high risk, though. It is a good kind of balance, but we are focusing on growing your super, minimizing fluctuations a little bit as well. So not making any changes to your risk profile today. It is literally just changing a couple of investments. Now if you can then scroll down to page 15 for me, it will take you through a c comparison table.\n\nLet me know if you can see that. Yep. So, basically, what you scroll through is basically what I'm about to explain to you. It just shows it in words. I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well.\n\nBut, essentially, what I have done is part of the research, I've also researched other super funds for you just to make sure that hub twenty four is still the most competitive for you. There's always new products and features that do come to market, so it is good to kind of reassess things every now and then just to make sure it's still a a very good option for you. There's nothing tying us to hub twenty four. But after doing all the research, hub twenty four is still very competitive. But I have recommended that you stay in hub twenty four and literally just change a few investment around.\n\nI do use hub twenty four for my personal super as well. So, yeah, have recommended you stay and just change some investments. Now when it actually what it actually looks like in terms of just changing a couple of investments is that you are actually saving about $594 per year in total fees, which still adds up pretty pretty quickly with compounding as well, and that is just to swap some investments around. Now when it actually also comes to the performance, you can see that kind of at the bottom of the first table, it shows you the five year rolling average. So, essentially, obviously, with performance, you can't guarantee what's going to happen, but that is why we like to use a five year rolling average.\n\nSo using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of how their portfolio has performed and the market as well. Does that make sense? Yeah. Perfect. And you can see on this table here that the recommended portfolio has outperformed your current portfolio by about that 2.36%.\n\nWith that coupled with your fee saving, you can then see at the bottom of that table when we are projecting that forward for five and ten years. Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of changes. Yep. Now the one thing I do want to let you know to be mindful of is at the top of this table where it says balance, and you can see a difference of $520. Can you see that?\n\nYep. Basically, what this is, it is the estimated capital gains tax with making the changes. So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that. So similar to if you were to, you know, sell an investment property, that will be capital gains tax. It is all taken care of within the super environment, though, so it's not something that you personally have to pay for.\n\nAnd it does not form part of your when you do your tax return or anything like that either. It's all within the super environment. Now I'm trying to minimize that as much as possible for you. So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815. So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about $5.20.\n\nSo just something I want you to be mindful of. But as you can see, obviously, the fee saving in your investments is 594 per year. So, obviously, very quickly, you will negate that change. Yep. Does that make sense?\n\nYeah. Okay. Perfect. Now if you wanna go to the next page for me, so page 16, you can then see a little bit more when it comes to the differences between the performance. So you have a twelve month, three years, five years, and ten years.\n\nAnd it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great. Now what that actually looks like in terms of the investment change is on page 17. So it's you should see another investment table. It might look a little bit messy sometimes, but can you see that big table? Yeah.\n\nSo, basically, what this shows, first, you have your investment name, so what they are called, what the investments are. You then have the kind of special little code. You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column. So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to. What's in black is what we are either adding to your portfolio or increasing your exposure to.\n\nDoes that make sense? Yep. Perfect. Then you have the target weight to how much we are aiming for from in that each investment and then what that looks like from a dollar value. So as you can see here, we have made a couple of changes, and that is just to kind of keep up to date with market conditions and everything for you and making sure we position you well for the future and keeping things very diversified.\n\nBut when it comes to how the investments and the portfolio is actually put together, that hasn't changed. We are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your portfolio. So these are very kind of passive, very diversified investments, and they do have a larger allocation all allocated through them because of that. So, essentially, for you, what those looks like is 30 in the iShares S and P 500. You already had 26.89% exposure to this investment.\n\nIt is very good because it's very diversified because you essentially invest in the 500 largest companies listed in The US within that one single investment. So very diversified for you. You then have 20% at the bottom there through the BetaShares Australia 200. Again, kind of a similar where it is investing in the 200 largest companies, but listed in Australia. So, again, we wanna make sure we're keeping very diversified across the globe for you.\n\nWe then have kind of like your satellite investments. Now these can be a little bit more special specialized. They usually target different sectors or or regions. They can be a little bit more volatile, and that's why they only have a smaller portion allocated through them. But these are also the ones that can give you that good amount of growth.\n\nSo, essentially, for you, it is at the bottom here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World. You may have heard of Vanguard before. They're they're quite big. Yeah. Yeah.\n\nBeautiful. This one here, it does invest in all around the globe, but it does exclude The US because you already have pretty decent exposure through The US in that shares s and p 500. And we also wanna make sure you don't have, like, an overexposure to one market either to keep things very diversified. And then the last kind of satellite investment is cybersecurity. You already had that in your portfolio.\n\nIt's just reducing the portion from about 8% down to five, but still very much keeping that. And then you have your defensive investments. So we are keeping gold in your portfolio. You had about 8%. Just increasing that up through 10% for you.\n\nAnd you also have 14% in a fixed interest. You're trying to limit those fluctuations a little bit as well, aiming for that about 80% in your growth investments and 20 in defense debt. Does that all make sense? Yeah. Perfect.\n\nNow if it was that you wanted to have a radar on these investments in your own time, Matthew, in the appendix, which is the second attachment, I have included investment links to each and every single one of these investments if it was something that you wanted to go and have a read over just to give you that full transparency and everything as well. Yep. Perfect. And, basically, at the end, what it looks like from asset allocation is page 19. You should see a little pie chart and then another table.\n\nYep. Perfect. Yep. This just shows you the asset allocation. So on the second column, it says the profile.\n\nIt is aiming for about that eighty twenty split. It does fluctuate a little bit with, obviously, market movements, but around that eighty twenty, you can see your existing portfolio, which is about 80.85 in growth and 19 defensive. And then proposed is about $84.93 growth, and defensive about 15.08. So both are still very much within that kind of range of that growth profile for you. Yep.\n\nAnd then at the end, like I mentioned in the beginning, I have included information in regards to setting up, obviously, your beneficiary forms. So making sure that if something were to happen to you, it will go through your partner. Because it's your partner, it will be completely tax free if something were to happen. And the structure I have recommended, it is a binding, non lapsing option. Basically, non lapsing means that it stays in place until you decide to change it instead of you having to recomplete the form every three years.\n\nAnd then binding basically means that it's the trustee of your super fund and your insurance are basically bound to follow your wishes. The other option is a nonbinding, which basically just means that it tells them who you've wanted to go to, that they have ultimate control if they feel that there's someone else that's better suited to it. So it doesn't give you as much certainty. Beautiful. And then like I said, I have some information just in regards to setting up a will and power of attorney for you as well.\n\nAnd that is essentially everything. So kind of, like I said, pretty straightforward. I have recommended you stay in Hub 24. Just switch a couple of those investments out for you, saves you a little bit in the fees and improving returns, which is great. Not changing any fee structure or anything like that for you, and there's no additional fees and charges in regards to this recommendation or research or anything like that.\n\nIt is all part of that ongoing fee for you. Yep. Now, Matthew, do you have any questions in regards to any of that, or what are your thoughts on all of this? Yep. Okay.\n\nPerfect. So, essentially, from here, if you wanted to have take some time and have a read over this, you are more than welcome to. If you are happy to go ahead with the the recommendation in order to move forward, it would just be for you to add your signature where you are in the document similar to what you did for the annual review. It should just ask for your signature and your date. It will then say validate.\n\nIt will automatically send it back to me, and that lets me know that you are happy to go ahead with the recommendation, and then I can let the investment team know through to action this for you. Yep. Perfect. Now, Matthew, before I let you go as well, I do wanna just let you know that on a personal note, I will actually be going on maternity leave tomorrow. Yes.\n\nOh, thanks. Yeah. Thank you very much. So what I will also do is while I am away so I will be away for about twelve months. So while I am away, my colleague Jenna will kind of take over for me.\n\nSo I will let her know. If I haven't seen your document come through today, I will kind of let her know to kind of keep keep a lookout and touch base with you and see what you want to do, and then she will oversight to make sure if you are happy to go ahead, the investment implementation and everything like that for you. In the email, I will also include her direct details. So if there's anything that you need, you have her direct contact details as well while I'm away. But if you do forget or email me directly, it will automatically be forwarded to her as well.\n\nYep. Okay. Beautiful. That's great. So I'll keep a look at that today, and then I can get that sorted for you today before I head off.\n\nBut like I said, keep a look after that other email as well, and you will have her direct contact details. If you forget, though, and you just call the office, they will forward it directly to her anyway, so there's no stress. Yep. Great. Well, thank you so much for your time this morning, Matthew, and I wish you all the best in the next twelve months.\n\nAnd look forward to catching Yeah. Fingers crossed. Fingers crossed. Oh, thank thank you so much, Matthew, and all the best in the meantime. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Matthew.","start":4.64,"end":5.68,"sentiment":"positive","sentiment_score":0.3874569733937581},{"text":"This is Veronica from Oakview Financial.","start":5.68,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.28072864562273026},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.22532703479131064},{"text":"Yeah.","start":11.12,"end":11.599999,"sentiment":"positive","sentiment_score":0.34202995896339417},{"text":"I'm good.","start":11.599999,"end":12.42,"sentiment":"positive","sentiment_score":0.6268070638179779}],"sentiment":"positive","sentiment_score":0.34122453232606254,"num_words":15,"start":4.64,"end":12.42},{"sentences":[{"text":"Thank you.","start":12.48,"end":13.035,"sentiment":"positive","sentiment_score":0.7441858053207397},{"text":"I was just giving you a quick call this morning just to see if you had about ten, fifteen minutes for me to go through the research I did on your super investments at all.","start":14.3949995,"end":24.175,"sentiment":"neutral","sentiment_score":0.19154909125396183},{"text":"Yeah?","start":26.075,"end":26.575,"sentiment":"neutral","sentiment_score":0.07470251619815826},{"text":"Okay.","start":26.67,"end":27.07,"sentiment":"neutral","sentiment_score":0.20979468524456024},{"text":"Beautiful.","start":27.07,"end":27.57,"sentiment":"positive","sentiment_score":0.4555512070655823}],"sentiment":"neutral","sentiment_score":0.2233159553259611,"num_words":40,"start":12.48,"end":27.57},{"sentences":[{"text":"Now, Matthew, 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 with you.","start":28.59,"end":37.25,"sentiment":"neutral","sentiment_score":0.04982795764602},{"text":"Yep.","start":38.35,"end":38.75,"sentiment":"neutral","sentiment_score":0.13596868515014648},{"text":"Beautiful.","start":38.75,"end":39.25,"sentiment":"positive","sentiment_score":0.4095934331417084},{"text":"And just to confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":39.39,"end":47.125,"sentiment":"neutral","sentiment_score":0.09429200724340402},{"text":"Yep.","start":53.344997,"end":53.844997,"sentiment":"neutral","sentiment_score":0.02379319444298744}],"sentiment":"neutral","sentiment_score":0.07609356980149945,"num_words":60,"start":28.59,"end":53.844997},{"sentences":[{"text":"Perfect.","start":58.440002,"end":58.940002,"sentiment":"positive","sentiment_score":0.4800761342048645},{"text":"Now, Matthew, I did send you the recommendation via email on the September 3.","start":59.8,"end":66.62,"sentiment":"neutral","sentiment_score":0.15294690909130232},{"text":"Did you get that at all?","start":66.84,"end":68.38,"sentiment":"neutral","sentiment_score":0.0647406925757726},{"text":"Yep.","start":70.36,"end":70.86,"sentiment":"neutral","sentiment_score":0.08770342916250229},{"text":"Did you have you had a chance to have a look at it at all or not really yet?","start":71.16,"end":75.465,"sentiment":"neutral","sentiment_score":0.03728890889569333}],"sentiment":"neutral","sentiment_score":0.09282852963703435,"num_words":41,"start":58.440002,"end":75.465},{"sentences":[{"text":"Yep.","start":81.365,"end":81.865,"sentiment":"neutral","sentiment_score":0.07124025374650955},{"text":"Yes.","start":85.44499,"end":85.94499,"sentiment":"neutral","sentiment_score":0.24783305823802948},{"text":"Perfect.","start":86.86,"end":87.36,"sentiment":"positive","sentiment_score":0.4855461120605469},{"text":"So today is pretty straightforward.","start":88.38,"end":90.32,"sentiment":"positive","sentiment_score":0.3985775649547577},{"text":"It's just to kind of recap or go through that recommendation with you just to see if you are happy with it or if you have any questions.","start":90.46,"end":98.08,"sentiment":"neutral","sentiment_score":0.23915277900440352}],"sentiment":"neutral","sentiment_score":0.26371625169283813,"num_words":36,"start":81.365,"end":98.08},{"sentences":[{"text":"But essentially, after the under review we did, I wanted to do some research on your super investments to see if we wanted to change anything, especially with market conditions and everything, especially in relation to that Benelon investments just to see if we can put you in a little bit better position when it comes to those investments.","start":98.86,"end":118.18,"sentiment":"neutral","sentiment_score":0.047567949709245716},{"text":"Do you remember that conversation?","start":118.240005,"end":119.700005,"sentiment":"neutral","sentiment_score":0.017065234109759332},{"text":"Yeah.","start":121.28,"end":121.6,"sentiment":"neutral","sentiment_score":0.04711320996284485},{"text":"Okay.","start":121.6,"end":121.92,"sentiment":"neutral","sentiment_score":0.11207512766122818},{"text":"Beautiful.","start":121.92,"end":122.42,"sentiment":"neutral","sentiment_score":0.21567174792289737}],"sentiment":"neutral","sentiment_score":0.048756646103600955,"num_words":67,"start":98.86,"end":122.42},{"sentences":[{"text":"And are you kind of driving at the moment or on the go?","start":123.200005,"end":126.98,"sentiment":"neutral","sentiment_score":0.013017978805762071},{"text":"Okay.","start":132.765,"end":133.165,"sentiment":"neutral","sentiment_score":0.0482923649251461},{"text":"Perfect.","start":133.165,"end":133.665,"sentiment":"neutral","sentiment_score":-0.0007990637677721679},{"text":"Do you have access to your emails at the moment to get that document up at the same time at all?","start":134.765,"end":141.59,"sentiment":"neutral","sentiment_score":0.02125329790370805},{"text":"Okay.","start":144.85,"end":145.35,"sentiment":"neutral","sentiment_score":0.08903805911540985}],"sentiment":"neutral","sentiment_score":0.020326603803393507,"num_words":37,"start":123.200005,"end":145.35},{"sentences":[{"text":"Because it just makes it a little bit easier as I'm rattling numbers and stuff to you if you can look at that at the same time.","start":145.65,"end":154.895,"sentiment":"neutral","sentiment_score":0.17114105627492623},{"text":"So just let me know when you have that one in front of you.","start":154.895,"end":158.355,"sentiment":"neutral","sentiment_score":0.20459216513804027},{"text":"And while you do have a look at finding the email, every time we do make a recommendation for you, we have to put everything in that statement of advice.","start":167.69499,"end":178.54,"sentiment":"neutral","sentiment_score":0.1589189313352108},{"text":"A lot of it is just compliant, quite worthy, but it is to make sure that you fully understand everything as well and have all the information available to you.","start":179.0,"end":188.595,"sentiment":"positive","sentiment_score":0.3358713989456495},{"text":"So I'll just kind of go through the the main changes, and it is pretty straightforward today.","start":188.595,"end":194.755,"sentiment":"neutral","sentiment_score":0.27276324261637297}],"sentiment":"neutral","sentiment_score":0.22852359206999762,"num_words":118,"start":145.65,"end":194.755},{"sentences":[{"text":"It's not too many changes.","start":194.755,"end":198.32,"sentiment":"neutral","sentiment_score":0.07161441221833229},{"text":"Yeah.","start":198.78,"end":199.28,"sentiment":"neutral","sentiment_score":0.1362779140472412},{"text":"Okay.","start":200.54001,"end":201.04001,"sentiment":"positive","sentiment_score":0.39371708035469055},{"text":"Beautiful.","start":201.1,"end":201.6,"sentiment":"positive","sentiment_score":0.6574640870094299},{"text":"Now on the cover page, you'll see that this has been tailored specifically for you.","start":202.14,"end":207.04001,"sentiment":"neutral","sentiment_score":0.23370923598607382}],"sentiment":"neutral","sentiment_score":0.21961607314322307,"num_words":23,"start":194.755,"end":207.04001},{"sentences":[{"text":"You will see my details listed as well.","start":207.26001,"end":209.535,"sentiment":"neutral","sentiment_score":0.19981469213962555},{"text":"You will see my authorized representative number, and I am licensed under OQ Financial.","start":209.535,"end":216.115,"sentiment":"neutral","sentiment_score":0.08568564456488405},{"text":"Now on the second page of this document, it talks a little bit about the best duty.","start":216.975,"end":223.11,"sentiment":"neutral","sentiment_score":0.04857383252066724},{"text":"Do you remember ever hearing about that before?","start":223.11,"end":225.45,"sentiment":"neutral","sentiment_score":0.016245196806266904},{"text":"Yep.","start":228.63,"end":229.13,"sentiment":"neutral","sentiment_score":0.03659060597419739}],"sentiment":"neutral","sentiment_score":0.07896716446460535,"num_words":48,"start":207.26001,"end":229.13},{"sentences":[{"text":"So, basically, this means that we have to act in your best interest at all time, always put you first, And that the advice that we do recommend also has to put you in a better position as a result of the advice.","start":229.43,"end":242.92499,"sentiment":"neutral","sentiment_score":0.04937691380118215},{"text":"Otherwise, we can't actually make the recommendation.","start":243.305,"end":245.485,"sentiment":"neutral","sentiment_score":-0.13856975521360124},{"text":"Does that make sense?","start":245.78499,"end":246.845,"sentiment":"neutral","sentiment_score":0.0044864993542432785},{"text":"Yeah.","start":248.025,"end":248.265,"sentiment":"neutral","sentiment_score":0.15056753158569336},{"text":"Okay.","start":248.265,"end":248.58499,"sentiment":"neutral","sentiment_score":0.3052436411380768}],"sentiment":"neutral","sentiment_score":0.02905314601957798,"num_words":56,"start":229.43,"end":248.58499},{"sentences":[{"text":"Beautiful.","start":248.58499,"end":249.08499,"sentiment":"positive","sentiment_score":0.5612143278121948},{"text":"Now if you can kind of scroll through with me, you will see table of contents, pretty self explanatory.","start":249.38,"end":255.48,"sentiment":"neutral","sentiment_score":0.18094656224313535},{"text":"You have then scope of advice.","start":256.42,"end":258.68,"sentiment":"neutral","sentiment_score":0.2101078381141027},{"text":"Basically, what this means is just the areas we are looking at today.","start":259.7,"end":263.16,"sentiment":"neutral","sentiment_score":0.16547628320180452},{"text":"So like I said, pretty straightforward.","start":263.64502,"end":265.42502,"sentiment":"neutral","sentiment_score":0.27043694506088894}],"sentiment":"neutral","sentiment_score":0.20074798646900388,"num_words":45,"start":248.58499,"end":265.42502},{"sentences":[{"text":"Just looking at your super, specifically your investments.","start":265.565,"end":268.625,"sentiment":"neutral","sentiment_score":0.18407231965102255},{"text":"I have also included information in regards to estate planning, making sure that your super and insurances does go through who you want to go to, something woulda happened to you, as well as including some information in regards to a will and the power of attorney.","start":269.725,"end":285.51,"sentiment":"neutral","sentiment_score":0.20438195574790874},{"text":"It is something I always recommend everyone to consider.","start":285.51,"end":288.15,"sentiment":"positive","sentiment_score":0.516604075829188},{"text":"So I have this included, that information in there for you for you to have a bit of a read over.","start":288.15,"end":294.505,"sentiment":"neutral","sentiment_score":0.31219819826739176},{"text":"Yep.","start":294.64502,"end":294.965,"sentiment":"neutral","sentiment_score":0.2726671099662781}],"sentiment":"neutral","sentiment_score":0.2622883306209778,"num_words":86,"start":265.565,"end":294.965},{"sentences":[{"text":"Beautiful.","start":294.965,"end":295.465,"sentiment":"positive","sentiment_score":0.607675313949585},{"text":"Otherwise, if you can scroll down through page.","start":296.085,"end":299.225,"sentiment":"neutral","sentiment_score":0.19946474209427834},{"text":"And for me, Matthew, you will see that when you scroll through, it just have some personal information in regards to you, assets, liabilities.","start":302.005,"end":311.30002,"sentiment":"neutral","sentiment_score":0.14164171554148197},{"text":"It then outlines your superannuation and insurances like we touched on during your annual review.","start":311.92,"end":317.06,"sentiment":"neutral","sentiment_score":0.1541449730594953},{"text":"And on page 10, you should then have your risk profile.","start":317.52002,"end":321.315,"sentiment":"neutral","sentiment_score":0.06904446164315398}],"sentiment":"neutral","sentiment_score":0.14702471351977123,"num_words":59,"start":294.965,"end":321.315},{"sentences":[{"text":"Yep.","start":323.135,"end":323.535,"sentiment":"neutral","sentiment_score":0.26305535435676575},{"text":"Beautiful.","start":323.535,"end":324.035,"sentiment":"positive","sentiment_score":0.5439335703849792},{"text":"So this just basically outlines that during the annual review, you came out as a growth investor.","start":324.17502,"end":329.635,"sentiment":"positive","sentiment_score":0.36767612835940194},{"text":"It is the portfolio you currently have.","start":329.775,"end":332.01,"sentiment":"positive","sentiment_score":0.4395467851843153},{"text":"It is very suitable for you with the amount of time you have left until retirement in order to try not to take advantage of grow your super as much as possible.","start":332.17,"end":340.19,"sentiment":"positive","sentiment_score":0.487180988304317}],"sentiment":"positive","sentiment_score":0.4435190039462057,"num_words":58,"start":323.135,"end":340.19},{"sentences":[{"text":"It is not high risk, though.","start":340.57,"end":342.01,"sentiment":"neutral","sentiment_score":-0.013542460898558298},{"text":"It is a good kind of balance, but we are focusing on growing your super, minimizing fluctuations a little bit as well.","start":342.01,"end":350.85498,"sentiment":"neutral","sentiment_score":0.30832294577902014},{"text":"So not making any changes to your risk profile today.","start":350.85498,"end":354.395,"sentiment":"neutral","sentiment_score":-0.14409626200795173},{"text":"It is literally just changing a couple of investments.","start":354.775,"end":357.275,"sentiment":"neutral","sentiment_score":0.01114916635884179},{"text":"Now if you can then scroll down to page 15 for me, it will take you through a c comparison table.","start":359.86002,"end":371.56,"sentiment":"neutral","sentiment_score":0.0946161351388409}],"sentiment":"neutral","sentiment_score":0.10806130524724722,"num_words":68,"start":340.57,"end":371.56},{"sentences":[{"text":"Let me know if you can see that.","start":371.88498,"end":373.345,"sentiment":"neutral","sentiment_score":0.06372090894728899},{"text":"Yep.","start":375.405,"end":375.88498,"sentiment":"neutral","sentiment_score":0.09106763452291489},{"text":"So, basically, what you scroll through is basically what I'm about to explain to you.","start":375.88498,"end":381.025,"sentiment":"neutral","sentiment_score":0.1364888682961464},{"text":"It just shows it in words.","start":381.085,"end":382.285,"sentiment":"neutral","sentiment_score":0.15840685615936914},{"text":"I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well.","start":382.285,"end":399.78,"sentiment":"neutral","sentiment_score":0.20941338362172246}],"sentiment":"neutral","sentiment_score":0.1750057882223374,"num_words":78,"start":371.88498,"end":399.78},{"sentences":[{"text":"But, essentially, what I have done is part of the research, I've also researched other super funds for you just to make sure that hub twenty four is still the most competitive for you.","start":400.295,"end":411.67502,"sentiment":"neutral","sentiment_score":0.2678488958900904},{"text":"There's always new products and features that do come to market, so it is good to kind of reassess things every now and then just to make sure it's still a a very good option for you.","start":411.73502,"end":421.4,"sentiment":"positive","sentiment_score":0.46772925032151713},{"text":"There's nothing tying us to hub twenty four.","start":421.53998,"end":424.36,"sentiment":"neutral","sentiment_score":0.13713347259908915},{"text":"But after doing all the research, hub twenty four is still very competitive.","start":424.74,"end":428.44498,"sentiment":"neutral","sentiment_score":0.2925344029298195},{"text":"But I have recommended that you stay in hub twenty four and literally just change a few investment around.","start":428.985,"end":434.925,"sentiment":"positive","sentiment_score":0.39375776209329305}],"sentiment":"positive","sentiment_score":0.3494978128001094,"num_words":111,"start":400.295,"end":434.925},{"sentences":[{"text":"I do use hub twenty four for my personal super as well.","start":435.305,"end":438.69,"sentiment":"positive","sentiment_score":0.42542268832524616},{"text":"So, yeah, have recommended you stay and just change some investments.","start":439.09,"end":442.79,"sentiment":"positive","sentiment_score":0.3643989183685996},{"text":"Now when it actually what it actually looks like in terms of just changing a couple of investments is that you are actually saving about $594 per year in total fees, which still adds up pretty pretty quickly with compounding as well, and that is just to swap some investments around.","start":443.33002,"end":463.095,"sentiment":"neutral","sentiment_score":0.3160789965414533},{"text":"Now when it actually also comes to the performance, you can see that kind of at the bottom of the first table, it shows you the five year rolling average.","start":465.155,"end":475.1,"sentiment":"neutral","sentiment_score":0.1294831730425358},{"text":"So, essentially, obviously, with performance, you can't guarantee what's going to happen, but that is why we like to use a five year rolling average.","start":475.32,"end":484.70502,"sentiment":"neutral","sentiment_score":0.10402893841266632}],"sentiment":"neutral","sentiment_score":0.24588145610204962,"num_words":129,"start":435.305,"end":484.70502},{"sentences":[{"text":"So using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of how their portfolio has performed and the market as well.","start":484.70502,"end":495.685,"sentiment":"neutral","sentiment_score":0.18636067403214318},{"text":"Does that make sense?","start":496.23,"end":497.35,"sentiment":"neutral","sentiment_score":0.09823706932365896},{"text":"Yeah.","start":497.35,"end":497.85,"sentiment":"neutral","sentiment_score":0.15086983144283295},{"text":"Perfect.","start":499.19,"end":499.69,"sentiment":"positive","sentiment_score":0.5915069580078125},{"text":"And you can see on this table here that the recommended portfolio has outperformed your current portfolio by about that 2.36%.","start":499.99,"end":509.67502,"sentiment":"positive","sentiment_score":0.484259253456479}],"sentiment":"neutral","sentiment_score":0.28753859645897345,"num_words":62,"start":484.70502,"end":509.67502},{"sentences":[{"text":"With that coupled with your fee saving, you can then see at the bottom of that table when we are projecting that forward for five and ten years.","start":510.775,"end":521.03503,"sentiment":"positive","sentiment_score":0.4097825139760971},{"text":"Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of changes.","start":521.69,"end":540.945,"sentiment":"neutral","sentiment_score":0.02289563139700996},{"text":"Yep.","start":542.525,"end":543.025,"sentiment":"neutral","sentiment_score":0.07608909904956818},{"text":"Now the one thing I do want to let you know to be mindful of is at the top of this table where it says balance, and you can see a difference of $520.","start":543.325,"end":553.46,"sentiment":"neutral","sentiment_score":0.05867633124923005},{"text":"Can you see that?","start":553.46,"end":554.52,"sentiment":"neutral","sentiment_score":0.03339947108179331}],"sentiment":"neutral","sentiment_score":0.12163209752368975,"num_words":123,"start":510.775,"end":554.52},{"sentences":[{"text":"Yep.","start":556.5,"end":557.0,"sentiment":"neutral","sentiment_score":0.03408351168036461},{"text":"Basically, what this is, it is the estimated capital gains tax with making the changes.","start":557.14,"end":564.615,"sentiment":"neutral","sentiment_score":-0.03694485053420067},{"text":"So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that.","start":564.615,"end":573.015,"sentiment":"neutral","sentiment_score":-0.061715923845767975},{"text":"So similar to if you were to, you know, sell an investment property, that will be capital gains tax.","start":573.015,"end":577.995,"sentiment":"neutral","sentiment_score":-0.011443783284017914},{"text":"It is all taken care of within the super environment, though, so it's not something that you personally have to pay for.","start":579.14,"end":586.2,"sentiment":"neutral","sentiment_score":0.02061962183903564}],"sentiment":"neutral","sentiment_score":-0.02227789688310245,"num_words":82,"start":556.5,"end":586.2},{"sentences":[{"text":"And it does not form part of your when you do your tax return or anything like that either.","start":587.62006,"end":592.58496,"sentiment":"neutral","sentiment_score":-0.10840907810549986},{"text":"It's all within the super environment.","start":592.58496,"end":594.685,"sentiment":"neutral","sentiment_score":0.05190557179351648},{"text":"Now I'm trying to minimize that as much as possible for you.","start":595.46497,"end":598.505,"sentiment":"neutral","sentiment_score":0.002592457147936026},{"text":"So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815.","start":598.505,"end":607.31,"sentiment":"neutral","sentiment_score":-0.008353890452001776},{"text":"So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about $5.20.","start":607.37,"end":613.63,"sentiment":"neutral","sentiment_score":0.06032759421750119}],"sentiment":"neutral","sentiment_score":-0.009693986712047806,"num_words":77,"start":587.62006,"end":613.63},{"sentences":[{"text":"So just something I want you to be mindful of.","start":614.73,"end":617.13,"sentiment":"neutral","sentiment_score":-0.007909158989787102},{"text":"But as you can see, obviously, the fee saving in your investments is 594 per year.","start":617.13,"end":622.975,"sentiment":"neutral","sentiment_score":0.05010842974297702},{"text":"So, obviously, very quickly, you will negate that change.","start":622.975,"end":625.95496,"sentiment":"neutral","sentiment_score":-0.10313473807440864},{"text":"Yep.","start":627.295,"end":627.615,"sentiment":"neutral","sentiment_score":0.10946407169103622},{"text":"Does that make sense?","start":627.615,"end":628.675,"sentiment":"neutral","sentiment_score":0.140850480645895}],"sentiment":"neutral","sentiment_score":0.011682415939867494,"num_words":40,"start":614.73,"end":628.675},{"sentences":[{"text":"Yeah.","start":629.855,"end":630.175,"sentiment":"neutral","sentiment_score":0.24104291200637817},{"text":"Okay.","start":630.175,"end":630.575,"sentiment":"positive","sentiment_score":0.4423680305480957},{"text":"Perfect.","start":630.575,"end":631.075,"sentiment":"positive","sentiment_score":0.6400463581085205},{"text":"Now if you wanna go to the next page for me, so page 16, you can then see a little bit more when it comes to the differences between the performance.","start":631.47,"end":640.20996,"sentiment":"neutral","sentiment_score":0.21370125153372366},{"text":"So you have a twelve month, three years, five years, and ten years.","start":640.51,"end":644.76996,"sentiment":"neutral","sentiment_score":0.3013044733267564}],"sentiment":"neutral","sentiment_score":0.2524500904565162,"num_words":47,"start":629.855,"end":644.76996},{"sentences":[{"text":"And it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great.","start":644.99,"end":652.65497,"sentiment":"positive","sentiment_score":0.655364142222838},{"text":"Now what that actually looks like in terms of the investment change is on page 17.","start":655.115,"end":661.17,"sentiment":"neutral","sentiment_score":0.12239669822156429},{"text":"So it's you should see another investment table.","start":661.95,"end":664.69,"sentiment":"neutral","sentiment_score":0.06935044145211577},{"text":"It might look a little bit messy sometimes, but can you see that big table?","start":664.99,"end":669.17,"sentiment":"neutral","sentiment_score":0.007631813610593478},{"text":"Yeah.","start":670.91003,"end":671.41003,"sentiment":"neutral","sentiment_score":0.12933650612831116}],"sentiment":"neutral","sentiment_score":0.27701573455405815,"num_words":62,"start":644.99,"end":671.41003},{"sentences":[{"text":"So, basically, what this shows, first, you have your investment name, so what they are called, what the investments are.","start":671.87,"end":677.825,"sentiment":"neutral","sentiment_score":0.07857396360486746},{"text":"You then have the kind of special little code.","start":678.045,"end":680.305,"sentiment":"neutral","sentiment_score":0.05874221068289545},{"text":"You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column.","start":680.52496,"end":693.12,"sentiment":"neutral","sentiment_score":0.03455331714616881},{"text":"So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to.","start":693.12,"end":702.85504,"sentiment":"neutral","sentiment_score":0.010685487852796265},{"text":"What's in black is what we are either adding to your portfolio or increasing your exposure to.","start":703.715,"end":710.435,"sentiment":"neutral","sentiment_score":0.028513307409251436}],"sentiment":"neutral","sentiment_score":0.03880543840073404,"num_words":105,"start":671.87,"end":710.435},{"sentences":[{"text":"Does that make sense?","start":710.435,"end":711.495,"sentiment":"neutral","sentiment_score":0.06293187756091356},{"text":"Yep.","start":712.835,"end":713.315,"sentiment":"neutral","sentiment_score":0.30812615156173706},{"text":"Perfect.","start":713.315,"end":713.815,"sentiment":"positive","sentiment_score":0.6548700332641602},{"text":"Then you have the target weight to how much we are aiming for from in that each investment and then what that looks like from a dollar value.","start":714.03,"end":722.29004,"sentiment":"neutral","sentiment_score":0.19850487847413337},{"text":"So as you can see here, we have made a couple of changes, and that is just to kind of keep up to date with market conditions and everything for you and making sure we position you well for the future and keeping things very diversified.","start":722.83,"end":737.975,"sentiment":"neutral","sentiment_score":0.3057352725578391}],"sentiment":"neutral","sentiment_score":0.2604585353750736,"num_words":80,"start":710.435,"end":737.975},{"sentences":[{"text":"But when it comes to how the investments and the portfolio is actually put together, that hasn't changed.","start":738.995,"end":745.75,"sentiment":"neutral","sentiment_score":-0.003966789278719161},{"text":"We are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your portfolio.","start":746.21,"end":758.505,"sentiment":"neutral","sentiment_score":0.15829585084030706},{"text":"So these are very kind of passive, very diversified investments, and they do have a larger allocation all allocated through them because of that.","start":758.505,"end":768.605,"sentiment":"neutral","sentiment_score":0.18909810855984688},{"text":"So, essentially, for you, what those looks like is 30 in the iShares S and P 500.","start":769.065,"end":777.7,"sentiment":"neutral","sentiment_score":0.12917961004902334},{"text":"You already had 26.89% exposure to this investment.","start":778.16,"end":782.26,"sentiment":"neutral","sentiment_score":0.30283386819064617}],"sentiment":"neutral","sentiment_score":0.14278416419211698,"num_words":98,"start":738.995,"end":782.26},{"sentences":[{"text":"It is very good because it's very diversified because you essentially invest in the 500 largest companies listed in The US within that one single investment.","start":782.88,"end":793.03503,"sentiment":"positive","sentiment_score":0.4192737558713326},{"text":"So very diversified for you.","start":793.255,"end":795.195,"sentiment":"positive","sentiment_score":0.3828363180160522},{"text":"You then have 20% at the bottom there through the BetaShares Australia 200.","start":796.61505,"end":802.85004,"sentiment":"neutral","sentiment_score":0.17243029521061823},{"text":"Again, kind of a similar where it is investing in the 200 largest companies, but listed in Australia.","start":803.07,"end":809.97003,"sentiment":"neutral","sentiment_score":0.13122248070107567},{"text":"So, again, we wanna make sure we're keeping very diversified across the globe for you.","start":810.19,"end":815.09,"sentiment":"neutral","sentiment_score":0.2899730890989304}],"sentiment":"neutral","sentiment_score":0.2827077151893021,"num_words":77,"start":782.88,"end":815.09},{"sentences":[{"text":"We then have kind of like your satellite investments.","start":816.07495,"end":819.27496,"sentiment":"neutral","sentiment_score":0.036603656907876335},{"text":"Now these can be a little bit more special specialized.","start":819.27496,"end":822.095,"sentiment":"neutral","sentiment_score":0.011414368636906147},{"text":"They usually target different sectors or or regions.","start":822.39496,"end":825.45496,"sentiment":"neutral","sentiment_score":0.0257262100931257},{"text":"They can be a little bit more volatile, and that's why they only have a smaller portion allocated through them.","start":826.39496,"end":832.66,"sentiment":"neutral","sentiment_score":-0.01334039643406868},{"text":"But these are also the ones that can give you that good amount of growth.","start":832.8,"end":836.74,"sentiment":"positive","sentiment_score":0.371920500199}],"sentiment":"neutral","sentiment_score":0.09615138473529969,"num_words":62,"start":816.07495,"end":836.74},{"sentences":[{"text":"So, essentially, for you, it is at the bottom here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World.","start":837.68,"end":853.375,"sentiment":"neutral","sentiment_score":0.11460117456214182},{"text":"You may have heard of Vanguard before.","start":853.835,"end":855.59503,"sentiment":"neutral","sentiment_score":0.02431099090192999},{"text":"They're they're quite big.","start":855.59503,"end":858.64996,"sentiment":"neutral","sentiment_score":0.03899679193273187},{"text":"Yeah.","start":858.64996,"end":859.14996,"sentiment":"neutral","sentiment_score":0.13819074630737305},{"text":"Yeah.","start":859.29,"end":859.69,"sentiment":"neutral","sentiment_score":0.2940607964992523}],"sentiment":"neutral","sentiment_score":0.09718689783698037,"num_words":42,"start":837.68,"end":859.69},{"sentences":[{"text":"Beautiful.","start":859.69,"end":860.19,"sentiment":"positive","sentiment_score":0.5897669792175293},{"text":"This one here, it does invest in all around the globe, but it does exclude The US because you already have pretty decent exposure through The US in that shares s and p 500.","start":860.49,"end":873.825,"sentiment":"neutral","sentiment_score":0.16493945634540388},{"text":"And we also wanna make sure you don't have, like, an overexposure to one market either to keep things very diversified.","start":874.04504,"end":879.905,"sentiment":"neutral","sentiment_score":0.07820060148480393},{"text":"And then the last kind of satellite investment is cybersecurity.","start":881.72504,"end":885.585,"sentiment":"neutral","sentiment_score":0.08493860289454461},{"text":"You already had that in your portfolio.","start":886.04504,"end":888.33,"sentiment":"neutral","sentiment_score":0.17763992505414145}],"sentiment":"neutral","sentiment_score":0.13606557028036412,"num_words":73,"start":859.69,"end":888.33},{"sentences":[{"text":"It's just reducing the portion from about 8% down to five, but still very much keeping that.","start":888.47003,"end":895.37,"sentiment":"neutral","sentiment_score":0.14740379417643829},{"text":"And then you have your defensive investments.","start":895.91003,"end":898.97003,"sentiment":"neutral","sentiment_score":0.14848689096314566},{"text":"So we are keeping gold in your portfolio.","start":899.11005,"end":901.21,"sentiment":"neutral","sentiment_score":0.24902285635471344},{"text":"You had about 8%.","start":901.485,"end":903.02496,"sentiment":"neutral","sentiment_score":0.25307829678058624},{"text":"Just increasing that up through 10% for you.","start":903.40497,"end":906.865,"sentiment":"neutral","sentiment_score":0.2897063512355089}],"sentiment":"neutral","sentiment_score":0.2015322633087635,"num_words":44,"start":888.47003,"end":906.865},{"sentences":[{"text":"And you also have 14% in a fixed interest.","start":908.685,"end":912.285,"sentiment":"neutral","sentiment_score":0.17304114666250017},{"text":"You're trying to limit those fluctuations a little bit as well, aiming for that about 80% in your growth investments and 20 in defense debt.","start":912.285,"end":921.37,"sentiment":"neutral","sentiment_score":0.15761676102876662},{"text":"Does that all make sense?","start":921.37,"end":922.59,"sentiment":"neutral","sentiment_score":0.1037031963467598},{"text":"Yeah.","start":924.25,"end":924.73004,"sentiment":"neutral","sentiment_score":0.2395533174276352},{"text":"Perfect.","start":924.73004,"end":925.23004,"sentiment":"positive","sentiment_score":0.4084376096725464}],"sentiment":"neutral","sentiment_score":0.1625438110857475,"num_words":41,"start":908.685,"end":925.23004},{"sentences":[{"text":"Now if it was that you wanted to have a radar on these investments in your own time, Matthew, in the appendix, which is the second attachment, I have included investment links to each and every single one of these investments if it was something that you wanted to go and have a read over just to give you that full transparency and everything as well.","start":925.53,"end":946.63,"sentiment":"neutral","sentiment_score":0.10757359704284956},{"text":"Yep.","start":946.63,"end":947.11,"sentiment":"neutral","sentiment_score":0.1867604702711105},{"text":"Perfect.","start":947.11,"end":947.61,"sentiment":"neutral","sentiment_score":0.29544854164123535},{"text":"And, basically, at the end, what it looks like from asset allocation is page 19.","start":948.95,"end":955.29,"sentiment":"neutral","sentiment_score":0.061099503686030704},{"text":"You should see a little pie chart and then another table.","start":956.31,"end":961.315,"sentiment":"neutral","sentiment_score":0.04300976629284295}],"sentiment":"neutral","sentiment_score":0.09544325958778883,"num_words":94,"start":925.53,"end":961.315},{"sentences":[{"text":"Yep.","start":961.315,"end":961.715,"sentiment":"neutral","sentiment_score":0.09859907627105712},{"text":"Perfect.","start":961.715,"end":962.215,"sentiment":"neutral","sentiment_score":0.3174890875816345},{"text":"Yep.","start":962.59503,"end":962.995,"sentiment":"neutral","sentiment_score":0.16034778952598572},{"text":"This just shows you the asset allocation.","start":962.995,"end":965.415,"sentiment":"neutral","sentiment_score":0.11456798442772456},{"text":"So on the second column, it says the profile.","start":966.195,"end":969.255,"sentiment":"neutral","sentiment_score":0.10851814763413535}],"sentiment":"neutral","sentiment_score":0.12395132489894566,"num_words":19,"start":961.315,"end":969.255},{"sentences":[{"text":"It is aiming for about that eighty twenty split.","start":969.795,"end":973.18,"sentiment":"neutral","sentiment_score":0.13725515620576012},{"text":"It does fluctuate a little bit with, obviously, market movements, but around that eighty twenty, you can see your existing portfolio, which is about 80.85 in growth and 19 defensive.","start":973.32,"end":986.66504,"sentiment":"neutral","sentiment_score":0.138175181299448},{"text":"And then proposed is about $84.93 growth, and defensive about 15.08.","start":986.885,"end":993.54504,"sentiment":"neutral","sentiment_score":0.05537107739258896},{"text":"So both are still very much within that kind of range of that growth profile for you.","start":993.92505,"end":999.82,"sentiment":"neutral","sentiment_score":0.20854333393714009},{"text":"Yep.","start":1001.72003,"end":1002.04004,"sentiment":"neutral","sentiment_score":0.12949949502944946}],"sentiment":"neutral","sentiment_score":0.1421230862958028,"num_words":68,"start":969.795,"end":1002.04004},{"sentences":[{"text":"And then at the end, like I mentioned in the beginning, I have included information in regards to setting up, obviously, your beneficiary forms.","start":1002.04004,"end":1011.03503,"sentiment":"neutral","sentiment_score":0.12993364222347736},{"text":"So making sure that if something were to happen to you, it will go through your partner.","start":1011.175,"end":1016.955,"sentiment":"neutral","sentiment_score":0.14007161864463022},{"text":"Because it's your partner, it will be completely tax free if something were to happen.","start":1017.015,"end":1021.435,"sentiment":"neutral","sentiment_score":0.20762218534946442},{"text":"And the structure I have recommended, it is a binding, non lapsing option.","start":1022.16,"end":1027.38,"sentiment":"neutral","sentiment_score":0.13748600247960824},{"text":"Basically, non lapsing means that it stays in place until you decide to change it instead of you having to recomplete the form every three years.","start":1027.6799,"end":1036.34,"sentiment":"neutral","sentiment_score":0.09365872465647183}],"sentiment":"neutral","sentiment_score":0.13512002719860328,"num_words":95,"start":1002.04004,"end":1036.34},{"sentences":[{"text":"And then binding basically means that it's the trustee of your super fund and your insurance are basically bound to follow your wishes.","start":1037.545,"end":1047.165,"sentiment":"neutral","sentiment_score":0.14777956222710403},{"text":"The other option is a nonbinding, which basically just means that it tells them who you've wanted to go to, that they have ultimate control if they feel that there's someone else that's better suited to it.","start":1047.545,"end":1059.61,"sentiment":"neutral","sentiment_score":0.056253275154410184},{"text":"So it doesn't give you as much certainty.","start":1059.8301,"end":1061.6901,"sentiment":"neutral","sentiment_score":0.015293282456696033},{"text":"Beautiful.","start":1064.255,"end":1064.755,"sentiment":"positive","sentiment_score":0.5336389541625977},{"text":"And then like I said, I have some information just in regards to setting up a will and power of attorney for you as well.","start":1065.2949,"end":1072.5149,"sentiment":"neutral","sentiment_score":0.18101429849863052}],"sentiment":"neutral","sentiment_score":0.11342174242785637,"num_words":94,"start":1037.545,"end":1072.5149},{"sentences":[{"text":"And that is essentially everything.","start":1073.2949,"end":1075.315,"sentiment":"neutral","sentiment_score":0.1906103014945984},{"text":"So kind of, like I said, pretty straightforward.","start":1075.615,"end":1077.6349,"sentiment":"neutral","sentiment_score":0.2670195810496807},{"text":"I have recommended you stay in Hub 24.","start":1077.78,"end":1080.2001,"sentiment":"neutral","sentiment_score":0.24086434207856655},{"text":"Just switch a couple of those investments out for you, saves you a little bit in the fees and improving returns, which is great.","start":1080.3401,"end":1087.48,"sentiment":"positive","sentiment_score":0.46786364043752354},{"text":"Not changing any fee structure or anything like that for you, and there's no additional fees and charges in regards to this recommendation or research or anything like that.","start":1088.1,"end":1098.395,"sentiment":"neutral","sentiment_score":0.28290919342945364}],"sentiment":"neutral","sentiment_score":0.33039482260072556,"num_words":74,"start":1073.2949,"end":1098.395},{"sentences":[{"text":"It is all part of that ongoing fee for you.","start":1098.395,"end":1101.375,"sentiment":"neutral","sentiment_score":0.27734061479568484},{"text":"Yep.","start":1102.715,"end":1103.215,"sentiment":"neutral","sentiment_score":0.1633823812007904},{"text":"Now, Matthew, do you have any questions in regards to any of that, or what are your thoughts on all of this?","start":1104.0751,"end":1111.02,"sentiment":"neutral","sentiment_score":0.05166380920193412},{"text":"Yep.","start":1112.92,"end":1113.3201,"sentiment":"neutral","sentiment_score":0.2024400532245636},{"text":"Okay.","start":1113.3201,"end":1113.8201,"sentiment":"positive","sentiment_score":0.3498755693435669}],"sentiment":"neutral","sentiment_score":0.13216308440480914,"num_words":35,"start":1098.395,"end":1113.8201},{"sentences":[{"text":"Perfect.","start":1114.52,"end":1115.02,"sentiment":"positive","sentiment_score":0.5000295639038086},{"text":"So, essentially, from here, if you wanted to have take some time and have a read over this, you are more than welcome to.","start":1115.4,"end":1121.1,"sentiment":"positive","sentiment_score":0.34686226894458133},{"text":"If you are happy to go ahead with the the recommendation in order to move forward, it would just be for you to add your signature where you are in the document similar to what you did for the annual review.","start":1121.72,"end":1133.775,"sentiment":"neutral","sentiment_score":0.3287741694508529},{"text":"It should just ask for your signature and your date.","start":1133.775,"end":1136.4199,"sentiment":"neutral","sentiment_score":0.25358758866786957},{"text":"It will then say validate.","start":1137.0399,"end":1139.22,"sentiment":"neutral","sentiment_score":0.2291305184364319}],"sentiment":"neutral","sentiment_score":0.3208147338878961,"num_words":81,"start":1114.52,"end":1139.22},{"sentences":[{"text":"It will automatically send it back to me, and that lets me know that you are happy to go ahead with the recommendation, and then I can let the investment team know through to action this for you.","start":1140.32,"end":1152.135,"sentiment":"positive","sentiment_score":0.48322979792168264},{"text":"Yep.","start":1154.035,"end":1154.535,"sentiment":"positive","sentiment_score":0.4373723864555359},{"text":"Perfect.","start":1154.915,"end":1155.415,"sentiment":"positive","sentiment_score":0.6488248109817505},{"text":"Now, Matthew, before I let you go as well, I do wanna just let you know that on a personal note, I will actually be going on maternity leave tomorrow.","start":1156.3551,"end":1164.615,"sentiment":"neutral","sentiment_score":0.12642985135316848},{"text":"Yes.","start":1166.81,"end":1167.31,"sentiment":"positive","sentiment_score":0.4640542864799499}],"sentiment":"positive","sentiment_score":0.33388562458501736,"num_words":71,"start":1140.32,"end":1167.31},{"sentences":[{"text":"Oh, thanks.","start":1168.41,"end":1169.0701,"sentiment":"positive","sentiment_score":0.45435769855976105},{"text":"Yeah.","start":1170.81,"end":1171.13,"sentiment":"neutral","sentiment_score":0.26339447498321533},{"text":"Thank you very much.","start":1171.13,"end":1172.3501,"sentiment":"positive","sentiment_score":0.5926715359091759},{"text":"So what I will also do is while I am away so I will be away for about twelve months.","start":1172.7301,"end":1178.01,"sentiment":"neutral","sentiment_score":0.024180135503411294},{"text":"So while I am away, my colleague Jenna will kind of take over for me.","start":1178.01,"end":1182.615,"sentiment":"neutral","sentiment_score":0.0352244367202123}],"sentiment":"neutral","sentiment_score":0.10844679230025836,"num_words":42,"start":1168.41,"end":1182.615},{"sentences":[{"text":"So I will let her know.","start":1182.615,"end":1183.895,"sentiment":"neutral","sentiment_score":0.0823467243462801},{"text":"If I haven't seen your document come through today, I will kind of let her know to kind of keep keep a lookout and touch base with you and see what you want to do, and then she will oversight to make sure if you are happy to go ahead, the investment implementation and everything like that for you.","start":1183.895,"end":1202.05,"sentiment":"neutral","sentiment_score":0.2035523328488156},{"text":"In the email, I will also include her direct details.","start":1202.3501,"end":1205.63,"sentiment":"neutral","sentiment_score":0.11312623172998429},{"text":"So if there's anything that you need, you have her direct contact details as well while I'm away.","start":1205.63,"end":1211.215,"sentiment":"neutral","sentiment_score":0.1333750229742792},{"text":"But if you do forget or email me directly, it will automatically be forwarded to her as 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off.","start":1227.01,"end":1231.35,"sentiment":"positive","sentiment_score":0.4379667118191719}],"sentiment":"positive","sentiment_score":0.4639721032645967,"num_words":27,"start":1217.355,"end":1231.35},{"sentences":[{"text":"But like I said, keep a look after that other email as well, and you will have her direct contact details.","start":1231.8099,"end":1236.5299,"sentiment":"neutral","sentiment_score":0.1868987988855224},{"text":"If you forget, though, and you just call the office, they will forward it directly to her anyway, so there's no stress.","start":1236.5299,"end":1243.025,"sentiment":"neutral","sentiment_score":-0.03576085894283923},{"text":"Yep.","start":1243.805,"end":1244.305,"sentiment":"positive","sentiment_score":0.3951839804649353},{"text":"Great.","start":1245.405,"end":1245.725,"sentiment":"positive","sentiment_score":0.7686501145362854},{"text":"Well, thank you so much for your time this morning, Matthew, and I wish you all the best in the next twelve months.","start":1245.725,"end":1252.145,"sentiment":"positive","sentiment_score":0.7202602754468503}],"sentiment":"neutral","sentiment_score":0.30688171044312185,"num_words":68,"start":1231.8099,"end":1252.145},{"sentences":[{"text":"And look forward to catching Yeah.","start":1252.2051,"end":1265.8501,"sentiment":"positive","sentiment_score":0.43325040737787884},{"text":"Fingers crossed.","start":1266.805,"end":1267.7051,"sentiment":"neutral","sentiment_score":0.2042929232120514},{"text":"Fingers crossed.","start":1268.245,"end":1269.305,"sentiment":"neutral","sentiment_score":0.13104016333818436},{"text":"Oh, thank thank you so much, Matthew, and all the best in the meantime.","start":1270.005,"end":1273.545,"sentiment":"positive","sentiment_score":0.6106756755283901},{"text":"Thanks.","start":1276.245,"end":1276.745,"sentiment":"positive","sentiment_score":0.6202731132507324}],"sentiment":"positive","sentiment_score":0.4975960475206375,"num_words":25,"start":1252.2051,"end":1276.745},{"sentences":[{"text":"Bye.","start":1276.805,"end":1277.305,"sentiment":"neutral","sentiment_score":0.31723082065582275}],"sentiment":"neutral","sentiment_score":0.31723082065582275,"num_words":1,"start":1276.805,"end":1277.305}]}}]},{"alternatives":[{"transcript":"Hello, Matt Young? Alright. Yourself? Yep. Yep. Yep. Matthew Young. Twenty seventh of the eighth. 979. 2 Alloy Drive in Tarram Downs. Yes. I did. Yes. I've had a quick quick little flick flick flick through it. But, yeah, it just look. It seems okay to me. So yeah. Yep. Yep. Yeah. Yep. I've just yeah. No. I've just pulled into a car car car back, so I'm all good. Yeah. Yeah. On my phone. I'll Yep. Yep. Yep. Yep. Yep. Yeah. Cool. Yeah. Yeah. I've got it up now. Yep. Yeah. I think so. Yeah. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Yep. Yes. Yes. I can. Yep. Yeah. Yep. Yep. Yeah. Cool. Yep. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yep. Got it. Yep. Yeah. Yep. Yes. Yep. Yep. Yep. Cool. No. That no. No. That's it sounds all good. That's what's on you. Yep. Yeah. Cool. Cool. Okay. Congratulations for the impending birth here. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Yeah. I'll I'll yeah. I'll sign that document when I get back in in into my office. Yeah. Yeah. Cool. Yeah. Yeah. Cool. Cool. That sounds good. No worries. Thanks for for that. Hopefully, it all goes well and yeah. And now yeah. It's nice and easy. It's easy to complete. That's right. That's right. That's right. No worries. Same to you. Thank you. Thanks. 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Alright. Yourself? Yep. Yep.\n\nYep. Matthew Young. Twenty seventh of the eighth. 979. 2 Alloy Drive in Tarram Downs.\n\nYes. I did. Yes. I've had a quick quick little flick flick flick through it. But, yeah, it just look.\n\nIt seems okay to me. So yeah. Yep. Yep. Yeah.\n\nYep. I've just yeah. No. I've just pulled into a car car car back, so I'm all good. Yeah.\n\nYeah. On my phone. I'll Yep. Yep. Yep.\n\nYep. Yep. Yeah. Cool. Yeah.\n\nYeah. I've got it up now. Yep. Yeah. I think so.\n\nYeah. Yep. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. Yeah. Yep.\n\nYeah. Yep. Yeah. Yeah. Yep.\n\nYes. Yes. I can. Yep. Yeah.\n\nYep. Yep. Yeah. Cool. Yep.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Yep. Got it. Yep.\n\nYeah. Yep. Yes. Yep. Yep.\n\nYep. Cool. No. That no. No.\n\nThat's it sounds all good. That's what's on you. Yep. Yeah. Cool.\n\nCool. Okay. Congratulations for the impending birth here. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nCool. Yeah. I'll I'll yeah. 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This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Alright. Yourself?\n\nChannel 0: Yeah. I'm good. Thank you. I was just giving you a quick call this morning just to see if you had about ten, fifteen minutes for me to go through the research I did on your super investments at all.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah? Okay. Beautiful. Now, Matthew, 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 with you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And just to confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Matthew Young. Twenty seventh of the eighth. 979. 2\n\nChannel 0: Yep.\n\nChannel 1: Alloy Drive in Tarram Downs.\n\nChannel 0: Perfect. Now, Matthew, I did send you the recommendation via email on the September 3. Did you get that at all?\n\nChannel 1: Yes. I did.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Did you have you had a chance to have a look at it at all or not really yet?\n\nChannel 1: I've had a quick quick little flick flick flick through it.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, it just look. It seems okay to me. So yeah.\n\nChannel 0: Yes. Perfect. So today is pretty straightforward. It's just to kind of recap or go through that recommendation with you just to see if you are happy with it or if you have any questions. But\n\nChannel 1: Yep.\n\nChannel 0: essentially, after the under review we did, I wanted to do some research on your super investments to see if we wanted to change anything, especially with market conditions and everything, especially in relation to that Benelon investments just to see if we can put you in a little bit better position\n\nChannel 1: Yep.\n\nChannel 0: when it comes to those investments. Do you remember that conversation?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. Beautiful. And are you kind of driving at the moment or on the\n\nChannel 1: I've\n\nChannel 0: go?\n\nChannel 1: just yeah. No. I've just pulled into a car car car back, so I'm\n\nChannel 0: Okay.\n\nChannel 1: all good.\n\nChannel 0: Perfect. Do you have access to your emails at the moment to get that document up at the same time at all?\n\nChannel 1: Yeah. Yeah. On my phone. I'll\n\nChannel 0: Okay. Because it just makes it a little bit easier as I'm rattling numbers and stuff to you if you can\n\nChannel 1: Yep.\n\nChannel 0: look at that at the same\n\nChannel 1: Yep.\n\nChannel 0: time. So just let me know when you have that one in front of you. And while you do have a look at finding the email, every time we do make a recommendation for you, we have to put everything in that statement of advice. A lot of\n\nChannel 1: Yep.\n\nChannel 0: it is just compliant, quite worthy, but it is to make sure that you fully understand everything as well and have all\n\nChannel 1: Yep.\n\nChannel 0: the information available to you. So I'll\n\nChannel 1: Yep.\n\nChannel 0: just kind of go through the the main changes, and it is pretty straightforward today. It's not too many\n\nChannel 1: Yeah. Cool.\n\nChannel 0: changes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've got it up\n\nChannel 0: Okay. Beautiful. Now on the cover page, you'll see that this has been tailored specifically for you. You will see my details listed as well. You will see my\n\nChannel 1: now.\n\nChannel 0: authorized representative number, and I am licensed under OQ\n\nChannel 1: Yep.\n\nChannel 0: Financial. Now on the second page of this document, it talks a little bit about the best duty. Do you remember ever hearing about that before?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. So, basically, this means that we have to act in\n\nChannel 1: Yeah.\n\nChannel 0: your best interest at all time, always put you first, And that the advice that we do recommend also has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: Yeah. Okay. Beautiful. Now if you can kind of scroll through with me, you will see table of contents, pretty self explanatory. You have then scope of advice.\n\nBasically, what this means is just the areas we are looking at today. So like I said, pretty straightforward. Just looking at your super, specifically your investments. I have also included information in regards to estate planning, making sure that your super and insurances does go through who you want to go to, something woulda happened to you, as well as including some information in regards to a will and the power of attorney. It is something I always recommend everyone to consider.\n\nSo I have this included, that information in there for you for you to have a bit of a read\n\nChannel 1: Yep.\n\nChannel 0: over. Yep. Beautiful. Otherwise, if you can scroll down through page. And for me, Matthew, you will see that when you scroll through, it just have some personal information in regards to you, assets, liabilities.\n\nIt then outlines your superannuation and insurances like we touched on during your annual review. And on page 10, you should then have your risk profile. Yep. Beautiful. So this just basically outlines that during the annual review, you came out as a growth investor.\n\nIt is the portfolio you currently have. It is very suitable for you with the amount of time you have left until retirement in order to try not to take advantage of grow your super as much as possible. It is not high risk, though. It is a good kind of balance, but we are focusing on growing your super, minimizing fluctuations a little bit as well. So not making any changes to your risk profile today.\n\nIt is literally just changing a couple of investments.\n\nChannel 1: Yep.\n\nChannel 0: Now if you can then scroll down to page 15 for me, it will take you through a c comparison table. Let me know if you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So, basically, what you scroll through is basically what I'm about to explain to you. It just shows it in words. I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well. But, essentially, what I have done is part of the research, I've also researched other super funds for you just to make sure that hub twenty four is still the most competitive for you.\n\nThere's always new products and features that do come to market, so it is good to kind of reassess things every now and then just to make sure it's still a a very good option for you. There's nothing tying us to hub twenty four. But after doing all the research, hub twenty four is still very competitive. But I have recommended that you stay in hub twenty four and literally just change a few investment around. I do\n\nChannel 1: Yep.\n\nChannel 0: use hub twenty four for my personal super as well. So, yeah, have recommended you stay and just change some investments. Now\n\nChannel 1: Yep.\n\nChannel 0: when it actually what it actually looks like in terms of just changing a couple of investments is that you are actually saving about $594 per year in total fees, which still adds up pretty pretty quickly with compounding as well, and that is just to swap some investments around.\n\nChannel 1: Yep.\n\nChannel 0: Now when it actually also comes to the performance, you can see that kind of at the bottom of the first table, it shows you the five year rolling average. So, essentially, obviously, with performance, you can't guarantee what's going to happen, but that is why we like to use a five year rolling average. So using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of how their portfolio has performed and the market as well. Does that make sense? Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. And you can see on this table here that the recommended portfolio has outperformed your current portfolio by about that 2.36%. With that coupled with your fee saving, you can then see at the bottom of that table when we are projecting that forward for five and ten years. Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of changes.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now the one thing I do want to let you know to be mindful of is at the top of this table where it says balance, and you can see a difference of $520. Can you see that?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Basically, what this is, it is the estimated capital gains tax with making the changes. So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that. So similar to if you were to, you know, sell an investment property, that will be capital gains tax. It is all taken care of within the super environment, though, so it's not something that you personally have to pay for.\n\nAnd it does not form part of your when you do your tax return or anything like that either. It's all within the super environment. Now I'm trying to minimize that as much as possible for you. So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815. So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about\n\nChannel 1: Yeah.\n\nChannel 0: $5.20. So\n\nChannel 1: Yep.\n\nChannel 0: just something I want you to be mindful of. But as you can see, obviously, the fee saving in your investments is 594 per year. So, obviously, very quickly, you will negate that change.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. Perfect. Now if you wanna go to the next page for me, so page 16, you can then see a little bit more when it comes to the differences between the performance. So you have a twelve month, three years, five years, and ten years.\n\nAnd it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great. Now what that actually looks like in terms of the investment change is on page 17. So it's you should see another investment table. It might look a little bit messy sometimes, but can you see that big table?\n\nChannel 1: Yes. Yes. I\n\nChannel 0: Yeah.\n\nChannel 1: can. Yep.\n\nChannel 0: So, basically, what this shows, first, you have your investment name, so what they are called, what the investments are. You then have the kind of special little code. You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column. So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to. What's in black is what we are either adding to your portfolio or increasing your exposure to.\n\nDoes that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. Then you have the target weight to how much we are aiming for from in that each investment and then what that looks like from a dollar value. So as you can see here, we have made a couple of changes, and that is just to kind of keep up to date with market conditions and everything for you and making sure we position you well for the future and keeping things very diversified. But when it comes to how the investments and the portfolio is actually put together, that hasn't changed.\n\nWe are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your portfolio. So these are very kind of passive, very diversified investments, and they do have a larger allocation all allocated through them because of that. So, essentially, for you, what those looks like is 30 in the iShares S and P 500. You already had 26.89% exposure to this investment. It is very good because it's very diversified because you essentially invest in the 500 largest companies listed in The US within that one single investment.\n\nSo very diversified for you.\n\nChannel 1: Yep. Yeah. Cool.\n\nChannel 0: You then have 20% at the bottom there through the BetaShares Australia 200. Again, kind of a similar where it is investing in the 200 largest companies, but listed in Australia. So, again, we wanna make sure we're keeping very diversified across the globe for you.\n\nChannel 1: Yep.\n\nChannel 0: We then have kind of like your satellite investments. Now these can be a little bit more special specialized. They usually target different sectors or or regions. They can be a little bit more volatile, and that's why they only have a smaller portion allocated through them. But these are also the ones that can give you that good amount of growth.\n\nSo, essentially, for you, it is at the bottom here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World. You may have heard of Vanguard before. They're they're quite\n\nChannel 1: Yeah.\n\nChannel 0: big. Yeah. Yeah. Beautiful. This one here, it does invest in all around the globe, but it does exclude The US because you already have pretty decent exposure through The US in that shares s and p 500.\n\nAnd we also wanna make sure you don't have, like, an overexposure to one market either to keep things very diversified. And then the last kind of satellite investment is cybersecurity. You already had that in your portfolio. It's just reducing the portion from about 8% down to five, but still very much keeping that. And then you have your defensive investments.\n\nSo we are keeping gold in your portfolio. You had about 8%. Just increasing that up through 10% for you. And you also have 14% in a fixed interest. You're trying to limit those fluctuations a little bit as well, aiming for that about 80% in your growth investments and 20 in defense debt.\n\nDoes that all make sense?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yeah. Perfect. Now if it was that you wanted to have a radar on these investments in your own time, Matthew, in the appendix, which is the second attachment, I have included investment links to each and every single one of these investments if it was something that you wanted to go and have a read over just to give you that full transparency and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: everything as well. Yep. Perfect. And, basically, at the end, what it looks like from asset allocation is page 19. You should see a little pie chart and then another\n\nChannel 1: Yeah. Yep.\n\nChannel 0: table.\n\nChannel 1: Got\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Perfect. Yep. This just shows you the asset allocation. So on the second column, it says the profile. It is aiming for about that eighty twenty split.\n\nIt does fluctuate a little bit with, obviously, market movements, but around that eighty twenty, you can see your existing portfolio, which is about 80.85 in growth and 19 defensive. And then proposed is about $84.93 growth, and defensive about 15.08. So both\n\nChannel 1: Yep.\n\nChannel 0: are still very much within that kind of range of that growth profile for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And then at the end, like I mentioned in the beginning, I have included information in regards to setting up, obviously, your beneficiary forms. So making sure that if something were to happen to you, it will go through your partner. Because it's your partner, it will be completely tax free if something were to happen. And the structure I have recommended, it is a binding, non lapsing option.\n\nBasically, non lapsing means that it stays in place until you decide to change it instead of you having to recomplete the form every three years. And\n\nChannel 1: Yep.\n\nChannel 0: then binding basically means that it's the trustee of your super fund and your insurance are basically bound to follow your wishes. The other option is a nonbinding, which basically just means that it tells them who you've wanted to go to, that they have ultimate control if they feel that there's someone else that's better suited to it. So it doesn't\n\nChannel 1: Yes.\n\nChannel 0: give you as much certainty. Beautiful. And then like I said, I have some information just in regards to setting up a will and power of attorney for\n\nChannel 1: Yep.\n\nChannel 0: you as well. And that is essentially everything. So kind of, like I said, pretty straightforward. I have recommended you stay in Hub 24. Just switch a couple of those investments out for you, saves you a little bit in the fees and improving returns, which is great.\n\nNot changing any fee structure or anything like that for you, and there's no additional fees and charges in regards to this recommendation or research or anything like that. It is all part of that ongoing fee for you.\n\nChannel 1: Yep. Yep. Cool.\n\nChannel 0: Yep. Now, Matthew, do you have any questions in regards to any of that, or what are your thoughts on all of\n\nChannel 1: No. That no.\n\nChannel 0: this?\n\nChannel 1: No. That's it sounds all good. That's what's\n\nChannel 0: Yep.\n\nChannel 1: on you.\n\nChannel 0: Okay. Perfect. So, essentially, from here, if you wanted to have take some time and have a read over this, you are more than welcome to. If you are happy to go ahead with the the recommendation in order to move forward, it would just be for you to add your signature where you are in the document similar to\n\nChannel 1: Yep.\n\nChannel 0: what you did for the annual review. It should just ask for your signature and your date. It will then say validate. It will automatically send it back to me, and that lets me know that you are happy to go ahead with the recommendation, and then I can let the investment team know through to action this for you.\n\nChannel 1: Yeah. Cool. Cool.\n\nChannel 0: Yep. Perfect. Now, Matthew, before I let you go as well, I do wanna just let you know that on a personal note, I will actually be going on maternity leave tomorrow.\n\nChannel 1: Okay. Congratulations\n\nChannel 0: Yes.\n\nChannel 1: for\n\nChannel 0: Oh,\n\nChannel 1: the\n\nChannel 0: thanks.\n\nChannel 1: impending birth\n\nChannel 0: Yeah. Thank you\n\nChannel 1: here.\n\nChannel 0: very much. So what I will also do is while I am away so I will be away for about twelve months. So while I\n\nChannel 1: Yep.\n\nChannel 0: am away, my colleague Jenna will kind of take over for me. So I will let her know. If I haven't seen your document come through today, I will kind of let her know to kind of keep keep a lookout and touch base with you and see what you want to do, and then she will oversight to make sure if you are happy to go ahead, the investment implementation and everything like that for you. In the email, I will also include her direct details. So if there's anything that you need, you have her direct contact details as well while I'm away.\n\nBut if you do forget or email me directly, it will automatically be forwarded to her as well.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah. Cool. Yeah. I'll I'll yeah.\n\nI'll sign that document when I get back in in into my office.\n\nChannel 0: Okay. Beautiful. That's great. So I'll keep a look at that today, and then I can get that sorted for you today before I head off.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But\n\nChannel 1: Cool.\n\nChannel 0: like I said, keep a look after that other email as well, and you will have her direct contact details. If you forget, though, and you just call the office, they will forward it directly to her anyway, so there's no\n\nChannel 1: Yeah.\n\nChannel 0: stress.\n\nChannel 1: Yeah. Cool. Cool.\n\nChannel 0: Yep.\n\nChannel 1: That sounds good.\n\nChannel 0: Great. Well, thank you so much for your time this morning, Matthew, and I wish you all the best in the next twelve months. And look forward to catching\n\nChannel 1: No worries. Thanks for for that. Hopefully, it all goes well and yeah. And now yeah. It's nice and easy.\n\nIt's easy\n\nChannel 0: Yeah.\n\nChannel 1: to complete.\n\nChannel 0: Fingers crossed. Fingers\n\nChannel 1: That's\n\nChannel 0: crossed.\n\nChannel 1: right. That's right.\n\nChannel 0: Oh,\n\nChannel 1: That's\n\nChannel 0: thank\n\nChannel 1: right.\n\nChannel 0: thank you so much, Matthew, and all the best in the meantime.\n\nChannel 1: No worries. Same to you. Thank you.\n\nChannel 0: Thanks.\n\nChannel 1: Thanks.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello, Matt Young?","start":1.28,"end":3.06,"sentiment":"neutral","sentiment_score":0.03459651209414005}],"sentiment":"neutral","sentiment_score":0.03459651209414005,"channel":1,"num_words":3,"start":1.28,"end":3.06},{"sentences":[{"text":"Good morning, Matthew.","start":4.64,"end":5.68,"sentiment":"positive","sentiment_score":0.3874569733937581},{"text":"This is Veronica from Oakview Financial.","start":5.68,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.28072864562273026},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.22532703479131064}],"sentiment":"neutral","sentiment_score":0.29356032485763234,"channel":0,"num_words":12,"start":4.64,"end":8.82},{"sentences":[{"text":"Alright.","start":9.36,"end":9.86,"sentiment":"neutral","sentiment_score":0.13480091094970703},{"text":"Yourself?","start":9.92,"end":10.42,"sentiment":"neutral","sentiment_score":0.09907376021146774}],"sentiment":"neutral","sentiment_score":0.11693733558058739,"channel":1,"num_words":2,"start":9.36,"end":10.42},{"sentences":[{"text":"Yeah.","start":11.12,"end":11.599999,"sentiment":"positive","sentiment_score":0.34202995896339417},{"text":"I'm good.","start":11.599999,"end":12.42,"sentiment":"positive","sentiment_score":0.6268070638179779},{"text":"Thank you.","start":12.48,"end":13.035,"sentiment":"positive","sentiment_score":0.7441858053207397},{"text":"I was just giving you a quick call this morning just to see if you had about ten, fifteen minutes for me to go through the research I did on your super investments at all.","start":14.3949995,"end":24.175,"sentiment":"neutral","sentiment_score":0.19154909125396183}],"sentiment":"neutral","sentiment_score":0.24470584727823735,"channel":0,"num_words":40,"start":11.12,"end":24.175},{"sentences":[{"text":"Yep.","start":24.945,"end":25.185,"sentiment":"neutral","sentiment_score":0.06883791089057922},{"text":"Yep.","start":25.185,"end":25.685,"sentiment":"neutral","sentiment_score":0.06391001492738724}],"sentiment":"neutral","sentiment_score":0.06637396290898323,"channel":1,"num_words":2,"start":24.945,"end":25.685},{"sentences":[{"text":"Yeah?","start":26.075,"end":26.575,"sentiment":"neutral","sentiment_score":0.07470251619815826},{"text":"Okay.","start":26.67,"end":27.07,"sentiment":"neutral","sentiment_score":0.20979468524456024},{"text":"Beautiful.","start":27.07,"end":27.57,"sentiment":"positive","sentiment_score":0.4555512070655823},{"text":"Now, Matthew, 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 with you.","start":28.59,"end":37.25,"sentiment":"neutral","sentiment_score":0.04982795764602}],"sentiment":"neutral","sentiment_score":0.06719750280985061,"channel":0,"num_words":34,"start":26.075,"end":37.25},{"sentences":[{"text":"Yep.","start":37.63,"end":38.13,"sentiment":"neutral","sentiment_score":0.07614459842443466}],"sentiment":"neutral","sentiment_score":0.07614459842443466,"channel":1,"num_words":1,"start":37.63,"end":38.13},{"sentences":[{"text":"Yep.","start":38.35,"end":38.75,"sentiment":"neutral","sentiment_score":0.13596868515014648},{"text":"Beautiful.","start":38.75,"end":39.25,"sentiment":"positive","sentiment_score":0.4095934331417084},{"text":"And just to confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":39.39,"end":47.125,"sentiment":"neutral","sentiment_score":0.09429200724340402}],"sentiment":"neutral","sentiment_score":0.10704122523644141,"channel":0,"num_words":28,"start":38.35,"end":47.125},{"sentences":[{"text":"Matthew Young.","start":48.365,"end":49.405003,"sentiment":"neutral","sentiment_score":0.011554010212421417},{"text":"Twenty seventh of the eighth.","start":49.405003,"end":51.005,"sentiment":"neutral","sentiment_score":0.012012315541505813},{"text":"979.","start":51.005,"end":52.545002,"sentiment":"neutral","sentiment_score":0.010673219338059424},{"text":"2","start":53.085,"end":53.585,"sentiment":"neutral","sentiment_score":0.00944024696946144}],"sentiment":"neutral","sentiment_score":0.011475896048876975,"channel":1,"num_words":9,"start":48.365,"end":53.585},{"sentences":[{"text":"Yep.","start":53.344997,"end":53.844997,"sentiment":"neutral","sentiment_score":0.02379319444298744}],"sentiment":"neutral","sentiment_score":0.02379319444298744,"channel":0,"num_words":1,"start":53.344997,"end":53.844997},{"sentences":[{"text":"Alloy Drive in Tarram Downs.","start":55.005,"end":57.5,"sentiment":"neutral","sentiment_score":0.042672865092754364}],"sentiment":"neutral","sentiment_score":0.042672865092754364,"channel":1,"num_words":5,"start":55.005,"end":57.5},{"sentences":[{"text":"Perfect.","start":58.440002,"end":58.940002,"sentiment":"positive","sentiment_score":0.4800761342048645},{"text":"Now, Matthew, I did send you the recommendation via email on the September 3.","start":59.8,"end":66.62,"sentiment":"neutral","sentiment_score":0.15294690909130232},{"text":"Did you get that at all?","start":66.84,"end":68.38,"sentiment":"neutral","sentiment_score":0.0647406925757726}],"sentiment":"neutral","sentiment_score":0.14332271509227298,"channel":0,"num_words":21,"start":58.440002,"end":68.38},{"sentences":[{"text":"Yes.","start":69.4,"end":69.72,"sentiment":"neutral","sentiment_score":0.10728590190410614},{"text":"I did.","start":69.72,"end":70.185,"sentiment":"neutral","sentiment_score":0.1254781037569046}],"sentiment":"neutral","sentiment_score":0.11941403647263844,"channel":1,"num_words":3,"start":69.4,"end":70.185},{"sentences":[{"text":"Yep.","start":70.36,"end":70.86,"sentiment":"neutral","sentiment_score":0.08770342916250229}],"sentiment":"neutral","sentiment_score":0.08770342916250229,"channel":0,"num_words":1,"start":70.36,"end":70.86},{"sentences":[{"text":"Yes.","start":70.665,"end":71.165,"sentiment":"neutral","sentiment_score":0.09004099667072296}],"sentiment":"neutral","sentiment_score":0.09004099667072296,"channel":1,"num_words":1,"start":70.665,"end":71.165},{"sentences":[{"text":"Did you have you had a chance to have a look at it at all or not really yet?","start":71.16,"end":75.465,"sentiment":"neutral","sentiment_score":0.03728890889569333}],"sentiment":"neutral","sentiment_score":0.03728890889569333,"channel":0,"num_words":19,"start":71.16,"end":75.465},{"sentences":[{"text":"I've had a quick quick little flick flick flick through it.","start":76.104996,"end":80.924995,"sentiment":"neutral","sentiment_score":0.03735772469504313}],"sentiment":"neutral","sentiment_score":0.03735772469504313,"channel":1,"num_words":11,"start":76.104996,"end":80.924995},{"sentences":[{"text":"Yep.","start":81.365,"end":81.865,"sentiment":"neutral","sentiment_score":0.07124025374650955}],"sentiment":"neutral","sentiment_score":0.07124025374650955,"channel":0,"num_words":1,"start":81.365,"end":81.865},{"sentences":[{"text":"But, yeah, it just look.","start":81.784996,"end":83.064995,"sentiment":"neutral","sentiment_score":0.08448927253484725},{"text":"It seems okay to me.","start":83.064995,"end":84.645004,"sentiment":"neutral","sentiment_score":0.19184772968292235},{"text":"So yeah.","start":84.645004,"end":85.43,"sentiment":"neutral","sentiment_score":0.13907203823328018}],"sentiment":"neutral","sentiment_score":0.13831909062961736,"channel":1,"num_words":12,"start":81.784996,"end":85.43},{"sentences":[{"text":"Yes.","start":85.44499,"end":85.94499,"sentiment":"neutral","sentiment_score":0.24783305823802948},{"text":"Perfect.","start":86.86,"end":87.36,"sentiment":"positive","sentiment_score":0.4855461120605469},{"text":"So today is pretty straightforward.","start":88.38,"end":90.32,"sentiment":"positive","sentiment_score":0.3985775649547577},{"text":"It's just to kind of recap or go through that recommendation with you just to see if you are happy with it or if you have any questions.","start":90.46,"end":98.08,"sentiment":"neutral","sentiment_score":0.23915277900440352},{"text":"But","start":98.86,"end":99.36,"sentiment":"neutral","sentiment_score":0.10453836619853972}],"sentiment":"neutral","sentiment_score":0.2646411992609501,"channel":0,"num_words":36,"start":85.44499,"end":99.36},{"sentences":[{"text":"Yep.","start":98.92999,"end":99.075,"sentiment":"neutral","sentiment_score":0.07470864057540894}],"sentiment":"neutral","sentiment_score":0.07470864057540894,"channel":1,"num_words":1,"start":98.92999,"end":99.075},{"sentences":[{"text":"essentially, after the under review we did, I wanted to do some research on your super investments to see if we wanted to change anything, especially with market conditions and everything, especially in relation to that Benelon investments just to see if we can put you in a little bit better position","start":99.565,"end":115.94,"sentiment":"neutral","sentiment_score":0.04836042755498336}],"sentiment":"neutral","sentiment_score":0.04836042755498336,"channel":0,"num_words":52,"start":99.565,"end":115.94},{"sentences":[{"text":"Yep.","start":116.71,"end":117.21,"sentiment":"neutral","sentiment_score":0.03788422793149948}],"sentiment":"neutral","sentiment_score":0.03788422793149948,"channel":1,"num_words":1,"start":116.71,"end":117.21},{"sentences":[{"text":"when it comes to those investments.","start":116.72,"end":118.18,"sentiment":"neutral","sentiment_score":0.03120473896463712},{"text":"Do you remember that conversation?","start":118.240005,"end":119.700005,"sentiment":"neutral","sentiment_score":0.017065234109759332}],"sentiment":"neutral","sentiment_score":0.024777691303329033,"channel":0,"num_words":11,"start":116.72,"end":119.700005},{"sentences":[{"text":"Yeah.","start":120.31,"end":120.63,"sentiment":"neutral","sentiment_score":0.029339484870433807},{"text":"Yep.","start":120.63,"end":121.13,"sentiment":"neutral","sentiment_score":0.03229277580976486}],"sentiment":"neutral","sentiment_score":0.030816130340099335,"channel":1,"num_words":2,"start":120.31,"end":121.13},{"sentences":[{"text":"Yeah.","start":121.28,"end":121.6,"sentiment":"neutral","sentiment_score":0.04711320996284485},{"text":"Okay.","start":121.6,"end":121.92,"sentiment":"neutral","sentiment_score":0.11207512766122818},{"text":"Beautiful.","start":121.92,"end":122.42,"sentiment":"neutral","sentiment_score":0.21567174792289737},{"text":"And are you kind of driving at the moment or on the","start":123.200005,"end":126.48,"sentiment":"neutral","sentiment_score":0.012748909027626118}],"sentiment":"neutral","sentiment_score":0.03518979959189892,"channel":0,"num_words":15,"start":121.28,"end":126.48},{"sentences":[{"text":"I've","start":126.375,"end":126.695,"sentiment":"neutral","sentiment_score":0.0002045432775048539}],"sentiment":"neutral","sentiment_score":0.0002045432775048539,"channel":1,"num_words":1,"start":126.375,"end":126.695},{"sentences":[{"text":"go?","start":126.48,"end":126.98,"sentiment":"neutral","sentiment_score":0.016246816143393517}],"sentiment":"neutral","sentiment_score":0.016246816143393517,"channel":0,"num_words":1,"start":126.48,"end":126.98},{"sentences":[{"text":"just yeah.","start":126.695,"end":127.495,"sentiment":"neutral","sentiment_score":-0.03479128237813711},{"text":"No.","start":127.495,"end":127.735,"sentiment":"neutral","sentiment_score":-0.17497465014457703},{"text":"I've just pulled into a car car car back, so I'm","start":127.735,"end":132.855,"sentiment":"neutral","sentiment_score":-0.09819184328344735}],"sentiment":"neutral","sentiment_score":-0.09461910650134087,"channel":1,"num_words":14,"start":126.695,"end":132.855},{"sentences":[{"text":"Okay.","start":132.765,"end":133.165,"sentiment":"neutral","sentiment_score":0.0482923649251461}],"sentiment":"neutral","sentiment_score":0.0482923649251461,"channel":0,"num_words":1,"start":132.765,"end":133.165},{"sentences":[{"text":"all good.","start":132.855,"end":133.515,"sentiment":"neutral","sentiment_score":0.23890039324760437}],"sentiment":"neutral","sentiment_score":0.23890039324760437,"channel":1,"num_words":2,"start":132.855,"end":133.515},{"sentences":[{"text":"Perfect.","start":133.165,"end":133.665,"sentiment":"neutral","sentiment_score":-0.0007990637677721679},{"text":"Do you have access to your emails at the moment to get that document up at the same time at 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2.36%.","start":499.99,"end":509.67502,"sentiment":"positive","sentiment_score":0.484259253456479},{"text":"With that coupled with your fee saving, you can then see at the bottom of that table when we are projecting that forward for five and ten years.","start":510.775,"end":521.03503,"sentiment":"positive","sentiment_score":0.4097825139760971},{"text":"Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of 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that?","start":553.46,"end":554.52,"sentiment":"neutral","sentiment_score":0.03339947108179331}],"sentiment":"neutral","sentiment_score":0.056530313996168285,"channel":0,"num_words":39,"start":542.525,"end":554.52},{"sentences":[{"text":"Yeah.","start":555.38495,"end":555.70496,"sentiment":"neutral","sentiment_score":0.09227798879146576},{"text":"Yep.","start":555.70496,"end":556.20496,"sentiment":"neutral","sentiment_score":0.05633746087551117}],"sentiment":"neutral","sentiment_score":0.07430772483348846,"channel":1,"num_words":2,"start":555.38495,"end":556.20496},{"sentences":[{"text":"Yep.","start":556.5,"end":557.0,"sentiment":"neutral","sentiment_score":0.03408351168036461},{"text":"Basically, what this is, it is the estimated capital gains tax with making the changes.","start":557.14,"end":564.615,"sentiment":"neutral","sentiment_score":-0.03694485053420067},{"text":"So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that.","start":564.615,"end":573.015,"sentiment":"neutral","sentiment_score":-0.061715923845767975},{"text":"So similar to if you were to, you know, sell an investment property, that will be capital gains tax.","start":573.015,"end":577.995,"sentiment":"neutral","sentiment_score":-0.011443783284017914},{"text":"It is all taken care of within the super environment, though, so it's not something that you personally have to pay for.","start":579.14,"end":586.2,"sentiment":"neutral","sentiment_score":0.02061962183903564}],"sentiment":"neutral","sentiment_score":-0.02227789688310245,"channel":0,"num_words":82,"start":556.5,"end":586.2},{"sentences":[{"text":"And it does not form part of your when you do your tax return or anything like that either.","start":587.62006,"end":592.58496,"sentiment":"neutral","sentiment_score":-0.10840907810549986},{"text":"It's all within the super environment.","start":592.58496,"end":594.685,"sentiment":"neutral","sentiment_score":0.05190557179351648},{"text":"Now I'm trying to minimize that as much as possible for you.","start":595.46497,"end":598.505,"sentiment":"neutral","sentiment_score":0.002592457147936026},{"text":"So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815.","start":598.505,"end":607.31,"sentiment":"neutral","sentiment_score":-0.008353890452001776},{"text":"So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about","start":607.37,"end":612.81,"sentiment":"neutral","sentiment_score":0.059674341645505696}],"sentiment":"neutral","sentiment_score":-0.010770041017646068,"channel":0,"num_words":76,"start":587.62006,"end":612.81},{"sentences":[{"text":"Yeah.","start":612.795,"end":613.295,"sentiment":"neutral","sentiment_score":0.03109198622405529}],"sentiment":"neutral","sentiment_score":0.03109198622405529,"channel":1,"num_words":1,"start":612.795,"end":613.295},{"sentences":[{"text":"$5.20.","start":612.81,"end":613.63,"sentiment":"neutral","sentiment_score":0.0720861405134201},{"text":"So","start":614.73,"end":615.05,"sentiment":"neutral","sentiment_score":0.05404095724225044}],"sentiment":"neutral","sentiment_score":0.06306354887783527,"channel":0,"num_words":2,"start":612.81,"end":615.05},{"sentences":[{"text":"Yep.","start":615.035,"end":615.535,"sentiment":"neutral","sentiment_score":0.09898676723241806}],"sentiment":"neutral","sentiment_score":0.09898676723241806,"channel":1,"num_words":1,"start":615.035,"end":615.535},{"sentences":[{"text":"just something I want you to be mindful of.","start":615.05,"end":617.13,"sentiment":"neutral","sentiment_score":-0.014792505237791274},{"text":"But as you can see, obviously, the fee saving in your investments is 594 per year.","start":617.13,"end":622.975,"sentiment":"neutral","sentiment_score":0.05010842974297702},{"text":"So, obviously, very quickly, you will negate that change.","start":622.975,"end":625.95496,"sentiment":"neutral","sentiment_score":-0.10313473807440864}],"sentiment":"neutral","sentiment_score":-0.0076355974682990255,"channel":0,"num_words":34,"start":615.05,"end":625.95496},{"sentences":[{"text":"Yeah.","start":626.52997,"end":627.02997,"sentiment":"neutral","sentiment_score":0.12283879518508913}],"sentiment":"neutral","sentiment_score":0.12283879518508913,"channel":1,"num_words":1,"start":626.52997,"end":627.02997},{"sentences":[{"text":"Yep.","start":627.295,"end":627.615,"sentiment":"neutral","sentiment_score":0.10946407169103622},{"text":"Does that make 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more when it comes to the differences between the performance.","start":631.47,"end":640.20996,"sentiment":"neutral","sentiment_score":0.21370125153372366},{"text":"So you have a twelve month, three years, five years, and ten years.","start":640.51,"end":644.76996,"sentiment":"neutral","sentiment_score":0.3013044733267564}],"sentiment":"neutral","sentiment_score":0.2524500904565162,"channel":0,"num_words":47,"start":629.855,"end":644.76996},{"sentences":[{"text":"And it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great.","start":644.99,"end":652.65497,"sentiment":"positive","sentiment_score":0.655364142222838},{"text":"Now what that actually looks like in terms of the investment change is on page 17.","start":655.115,"end":661.17,"sentiment":"neutral","sentiment_score":0.12239669822156429},{"text":"So it's you should see another investment table.","start":661.95,"end":664.69,"sentiment":"neutral","sentiment_score":0.06935044145211577},{"text":"It might look a little bit messy sometimes, but can you see that big table?","start":664.99,"end":669.17,"sentiment":"neutral","sentiment_score":0.007631813610593478}],"sentiment":"neutral","sentiment_score":0.27943670551185723,"channel":0,"num_words":61,"start":644.99,"end":669.17},{"sentences":[{"text":"Yes.","start":669.955,"end":670.455,"sentiment":"neutral","sentiment_score":0.08289597183465958},{"text":"Yes.","start":670.515,"end":670.835,"sentiment":"neutral","sentiment_score":0.08484829217195511},{"text":"I","start":670.835,"end":670.91504,"sentiment":"neutral","sentiment_score":0.08726146817207336}],"sentiment":"neutral","sentiment_score":0.08500191072622935,"channel":1,"num_words":3,"start":669.955,"end":670.91504},{"sentences":[{"text":"Yeah.","start":670.91003,"end":671.41003,"sentiment":"neutral","sentiment_score":0.12933650612831116}],"sentiment":"neutral","sentiment_score":0.12933650612831116,"channel":0,"num_words":1,"start":670.91003,"end":671.41003},{"sentences":[{"text":"can.","start":670.91504,"end":671.315,"sentiment":"neutral","sentiment_score":0.1387016326189041},{"text":"Yep.","start":671.315,"end":671.815,"sentiment":"neutral","sentiment_score":0.11527548730373384}],"sentiment":"neutral","sentiment_score":0.12698855996131897,"channel":1,"num_words":2,"start":670.91504,"end":671.815},{"sentences":[{"text":"So, basically, what this shows, first, you have your investment name, so what they are called, what the investments are.","start":671.87,"end":677.825,"sentiment":"neutral","sentiment_score":0.07857396360486746},{"text":"You then have the kind of special little code.","start":678.045,"end":680.305,"sentiment":"neutral","sentiment_score":0.05874221068289545},{"text":"You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column.","start":680.52496,"end":693.12,"sentiment":"neutral","sentiment_score":0.03455331714616881},{"text":"So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to.","start":693.12,"end":702.85504,"sentiment":"neutral","sentiment_score":0.010685487852796265},{"text":"What's in black is what we are either adding to your portfolio or increasing your exposure to.","start":703.715,"end":710.435,"sentiment":"neutral","sentiment_score":0.028513307409251436}],"sentiment":"neutral","sentiment_score":0.03880543840073404,"channel":0,"num_words":105,"start":671.87,"end":710.435},{"sentences":[{"text":"Does that make 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value.","start":714.03,"end":722.29004,"sentiment":"neutral","sentiment_score":0.19850487847413337},{"text":"So as you can see here, we have made a couple of changes, and that is just to kind of keep up to date with market conditions and everything for you and making sure we position you well for the future and keeping things very diversified.","start":722.83,"end":737.975,"sentiment":"neutral","sentiment_score":0.3057352725578391},{"text":"But when it comes to how the investments and the portfolio is actually put together, that hasn't changed.","start":738.995,"end":745.75,"sentiment":"neutral","sentiment_score":-0.003966789278719161}],"sentiment":"neutral","sentiment_score":0.21822928843346048,"channel":0,"num_words":94,"start":712.835,"end":745.75},{"sentences":[{"text":"We are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your 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BetaShares Australia 200.","start":796.61505,"end":802.85004,"sentiment":"neutral","sentiment_score":0.17243029521061823},{"text":"Again, kind of a similar where it is investing in the 200 largest companies, but listed in Australia.","start":803.07,"end":809.97003,"sentiment":"neutral","sentiment_score":0.13122248070107567},{"text":"So, again, we wanna make sure we're keeping very diversified across the globe for you.","start":810.19,"end":815.09,"sentiment":"neutral","sentiment_score":0.2899730890989304}],"sentiment":"neutral","sentiment_score":0.1946346701487251,"channel":0,"num_words":46,"start":796.61505,"end":815.09},{"sentences":[{"text":"Yep.","start":815.8,"end":816.3,"sentiment":"neutral","sentiment_score":0.07293933629989624}],"sentiment":"neutral","sentiment_score":0.07293933629989624,"channel":1,"num_words":1,"start":815.8,"end":816.3},{"sentences":[{"text":"We then have kind of like your satellite 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here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World.","start":837.68,"end":853.375,"sentiment":"neutral","sentiment_score":0.11460117456214182},{"text":"You may have heard of Vanguard before.","start":853.835,"end":855.59503,"sentiment":"neutral","sentiment_score":0.02431099090192999},{"text":"They're they're 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little bit as well, aiming for that about 80% in your growth investments and 20 in defense debt.","start":912.285,"end":921.37,"sentiment":"neutral","sentiment_score":0.15761676102876662}],"sentiment":"neutral","sentiment_score":0.20036918876899612,"channel":0,"num_words":54,"start":899.11005,"end":921.37},{"sentences":[{"text":"Does that all make 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in the appendix, which is the second attachment, I have included investment links to each and every single one of these investments if it was something that you wanted to go and have a read over just to give you that full transparency and","start":925.53,"end":944.07,"sentiment":"neutral","sentiment_score":0.10761196059840065}],"sentiment":"neutral","sentiment_score":0.11426991453537574,"channel":0,"num_words":65,"start":924.25,"end":944.07},{"sentences":[{"text":"Yeah.","start":945.495,"end":945.815,"sentiment":"neutral","sentiment_score":0.06380186975002289},{"text":"Yeah.","start":945.815,"end":946.315,"sentiment":"neutral","sentiment_score":0.09193799644708632}],"sentiment":"neutral","sentiment_score":0.07786993309855461,"channel":1,"num_words":2,"start":945.495,"end":946.315},{"sentences":[{"text":"everything as 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just shows you the asset allocation.","start":962.995,"end":965.415,"sentiment":"neutral","sentiment_score":0.11456798442772456},{"text":"So on the second column, it says the profile.","start":966.195,"end":969.255,"sentiment":"neutral","sentiment_score":0.10851814763413535},{"text":"It is aiming for about that eighty twenty split.","start":969.795,"end":973.18,"sentiment":"neutral","sentiment_score":0.13725515620576012}],"sentiment":"neutral","sentiment_score":0.12932490750595374,"channel":0,"num_words":27,"start":961.715,"end":973.18},{"sentences":[{"text":"It does fluctuate a little bit with, obviously, market movements, but around that eighty twenty, you can see your existing portfolio, which is about 80.85 in growth and 19 defensive.","start":973.32,"end":986.66504,"sentiment":"neutral","sentiment_score":0.138175181299448},{"text":"And then proposed is about $84.93 growth, and defensive about 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I said, keep a look after that other email as well, and you will have her direct contact details.","start":1232.0499,"end":1236.5299,"sentiment":"neutral","sentiment_score":0.18634757593245013},{"text":"If you forget, though, and you just call the office, they will forward it directly to her anyway, so there's no","start":1236.5299,"end":1242.525,"sentiment":"neutral","sentiment_score":-0.03772332208851973}],"sentiment":"neutral","sentiment_score":0.0715795549948802,"channel":0,"num_words":41,"start":1232.0499,"end":1242.525},{"sentences":[{"text":"Yeah.","start":1242.4501,"end":1242.77,"sentiment":"neutral","sentiment_score":-0.018931733444333076}],"sentiment":"neutral","sentiment_score":-0.018931733444333076,"channel":1,"num_words":1,"start":1242.4501,"end":1242.77},{"sentences":[{"text":"stress.","start":1242.525,"end":1243.025,"sentiment":"neutral","sentiment_score":0.005450867116451263}],"sentiment":"neutral","sentiment_score":0.005450867116451263,"channel":0,"num_words":1,"start":1242.525,"end":1243.025},{"sentences":[{"text":"Yeah.","start":1242.77,"end":1243.01,"sentiment":"neutral","sentiment_score":0.12554961442947388},{"text":"Cool.","start":1243.01,"end":1243.49,"sentiment":"neutral","sentiment_score":0.33036330342292786},{"text":"Cool.","start":1243.49,"end":1243.81,"sentiment":"positive","sentiment_score":0.38127803802490234}],"sentiment":"neutral","sentiment_score":0.2790636519591014,"channel":1,"num_words":3,"start":1242.77,"end":1243.81},{"sentences":[{"text":"Yep.","start":1243.805,"end":1244.305,"sentiment":"positive","sentiment_score":0.3951839804649353}],"sentiment":"positive","sentiment_score":0.3951839804649353,"channel":0,"num_words":1,"start":1243.805,"end":1244.305},{"sentences":[{"text":"That sounds good.","start":1243.81,"end":1244.79,"sentiment":"positive","sentiment_score":0.7107638120651245}],"sentiment":"positive","sentiment_score":0.7107638120651245,"channel":1,"num_words":3,"start":1243.81,"end":1244.79},{"sentences":[{"text":"Great.","start":1245.405,"end":1245.725,"sentiment":"positive","sentiment_score":0.7686501145362854},{"text":"Well, thank you so much for your time this morning, Matthew, and I wish you all the best in the next twelve months.","start":1245.725,"end":1252.145,"sentiment":"positive","sentiment_score":0.7202602754468503},{"text":"And look forward to catching","start":1252.2051,"end":1253.43,"sentiment":"positive","sentiment_score":0.4848145365715027}],"sentiment":"positive","sentiment_score":0.6813347976783226,"channel":0,"num_words":29,"start":1245.405,"end":1253.43},{"sentences":[{"text":"No worries.","start":1257.455,"end":1258.275,"sentiment":"neutral","sentiment_score":0.32337601482868195},{"text":"Thanks for for that.","start":1258.735,"end":1259.855,"sentiment":"positive","sentiment_score":0.6747459173202515},{"text":"Hopefully, it all goes well and yeah.","start":1259.855,"end":1262.015,"sentiment":"positive","sentiment_score":0.6722150785582406},{"text":"And now yeah.","start":1262.015,"end":1263.315,"sentiment":"positive","sentiment_score":0.44727761546770733},{"text":"It's nice and easy.","start":1263.63,"end":1264.83,"sentiment":"positive","sentiment_score":0.7589657604694366}],"sentiment":"positive","sentiment_score":0.6214468568563462,"channel":1,"num_words":20,"start":1257.455,"end":1264.83},{"sentences":[{"text":"It's easy","start":1264.83,"end":1265.47,"sentiment":"positive","sentiment_score":0.5216352641582489}],"sentiment":"positive","sentiment_score":0.5216352641582489,"channel":1,"num_words":2,"start":1264.83,"end":1265.47},{"sentences":[{"text":"Yeah.","start":1265.3501,"end":1265.8501,"sentiment":"neutral","sentiment_score":0.17542976140975952}],"sentiment":"neutral","sentiment_score":0.17542976140975952,"channel":0,"num_words":1,"start":1265.3501,"end":1265.8501},{"sentences":[{"text":"to complete.","start":1265.47,"end":1266.13,"sentiment":"neutral","sentiment_score":0.2817598879337311}],"sentiment":"neutral","sentiment_score":0.2817598879337311,"channel":1,"num_words":2,"start":1265.47,"end":1266.13},{"sentences":[{"text":"Fingers crossed.","start":1266.805,"end":1267.7051,"sentiment":"neutral","sentiment_score":0.2042929232120514},{"text":"Fingers","start":1268.245,"end":1268.745,"sentiment":"neutral","sentiment_score":0.09401752054691316}],"sentiment":"neutral","sentiment_score":0.1675344556570053,"channel":0,"num_words":3,"start":1266.805,"end":1268.745},{"sentences":[{"text":"That's","start":1268.59,"end":1268.83,"sentiment":"neutral","sentiment_score":0.1602587252855301}],"sentiment":"neutral","sentiment_score":0.1602587252855301,"channel":1,"num_words":1,"start":1268.59,"end":1268.83},{"sentences":[{"text":"crossed.","start":1268.805,"end":1269.305,"sentiment":"neutral","sentiment_score":0.16806280612945557}],"sentiment":"neutral","sentiment_score":0.16806280612945557,"channel":0,"num_words":1,"start":1268.805,"end":1269.305},{"sentences":[{"text":"right.","start":1268.83,"end":1269.33,"sentiment":"neutral","sentiment_score":0.1916172951459885},{"text":"That's right.","start":1269.47,"end":1270.11,"sentiment":"neutral","sentiment_score":0.28809989988803864}],"sentiment":"neutral","sentiment_score":0.2559390316406886,"channel":1,"num_words":3,"start":1268.83,"end":1270.11},{"sentences":[{"text":"Oh,","start":1270.005,"end":1270.3251,"sentiment":"neutral","sentiment_score":0.1682383120059967}],"sentiment":"neutral","sentiment_score":0.1682383120059967,"channel":0,"num_words":1,"start":1270.005,"end":1270.3251},{"sentences":[{"text":"That's","start":1270.11,"end":1270.35,"sentiment":"positive","sentiment_score":0.3396720290184021}],"sentiment":"positive","sentiment_score":0.3396720290184021,"channel":1,"num_words":1,"start":1270.11,"end":1270.35},{"sentences":[{"text":"thank","start":1270.3251,"end":1270.7251,"sentiment":"positive","sentiment_score":0.4676037132740021}],"sentiment":"positive","sentiment_score":0.4676037132740021,"channel":0,"num_words":1,"start":1270.3251,"end":1270.7251},{"sentences":[{"text":"right.","start":1270.35,"end":1270.85,"sentiment":"positive","sentiment_score":0.39793136715888977}],"sentiment":"positive","sentiment_score":0.39793136715888977,"channel":1,"num_words":1,"start":1270.35,"end":1270.85},{"sentences":[{"text":"thank you so much, Matthew, and all the best in the meantime.","start":1270.7251,"end":1273.545,"sentiment":"positive","sentiment_score":0.6594681193431219}],"sentiment":"positive","sentiment_score":0.6594681193431219,"channel":0,"num_words":12,"start":1270.7251,"end":1273.545},{"sentences":[{"text":"No worries.","start":1274.27,"end":1274.75,"sentiment":"neutral","sentiment_score":0.25259046256542206},{"text":"Same to you.","start":1274.75,"end":1275.31,"sentiment":"positive","sentiment_score":0.4407643874486287},{"text":"Thank you.","start":1275.31,"end":1276.05,"sentiment":"positive","sentiment_score":0.6291070282459259}],"sentiment":"positive","sentiment_score":0.44081259199551176,"channel":1,"num_words":7,"start":1274.27,"end":1276.05},{"sentences":[{"text":"Thanks.","start":1276.245,"end":1276.745,"sentiment":"positive","sentiment_score":0.6202731132507324}],"sentiment":"positive","sentiment_score":0.6202731132507324,"channel":0,"num_words":1,"start":1276.245,"end":1276.745},{"sentences":[{"text":"Thanks.","start":1276.35,"end":1276.85,"sentiment":"positive","sentiment_score":0.5833302736282349}],"sentiment":"positive","sentiment_score":0.5833302736282349,"channel":1,"num_words":1,"start":1276.35,"end":1276.85},{"sentences":[{"text":"Bye.","start":1276.805,"end":1277.305,"sentiment":"neutral","sentiment_score":0.31723082065582275}],"sentiment":"neutral","sentiment_score":0.31723082065582275,"channel":0,"num_words":1,"start":1276.805,"end":1277.305},{"sentences":[{"text":"Bye.","start":1277.39,"end":1277.89,"sentiment":"neutral","sentiment_score":-0.10311512649059296}],"sentiment":"neutral","sentiment_score":-0.10311512649059296,"channel":1,"num_words":1,"start":1277.39,"end":1277.89}]},"summary":{"result":"success","short":"The representative from Oakview Financial recommends a recommendation via email for Matthew's investment goals and emphasizes the importance of taking the first page of the document. The recommended portfolio outperformed the current portfolio by 2. chatting about fee savings and investment changes, and is divided into different sectors and regions. The speaker also discusses setting up beneficiary forms and the process for updating a document, as well as maternity leave and the process for updating a document. The speaker will provide direct contact information for the customer."},"intents":{"segments":[{"text":"Do you have access to your emails at the moment to get that document up at the same time at all? Yeah.","start_word":345,"end_word":366,"intents":[{"intent":"Manage emails","confidence_score":0.000117713564}]},{"text":"And while you do have a look at finding the email, every time we do make a recommendation for you, we have to put everything in that statement of advice. A lot of Yep.","start_word":415,"end_word":448,"intents":[{"intent":"Assist with recommendations","confidence_score":0.0018218599}]},{"text":"it is just compliant, quite worthy, but it is to make sure that you fully understand everything as well and have all Yep. the information available to you.","start_word":449,"end_word":476,"intents":[{"intent":"Understand and advocate for recommendations","confidence_score":0.0001910865}]},{"text":"just kind of go through the the main changes, and it is pretty straightforward today. It's not too many Yeah.","start_word":480,"end_word":499,"intents":[{"intent":"Guide through changes","confidence_score":0.010714514},{"intent":"Study portfolio","confidence_score":0.00003313507}]},{"text":"Now on the second page of this document, it talks a little bit about the best duty. Do you remember ever hearing about that before? Yeah.","start_word":550,"end_word":575,"intents":[{"intent":"Understand and summarize best duty","confidence_score":0.0010517975}]},{"text":"I have also included information in regards to estate planning, making sure that your super and insurances does go through who you want to go to, something woulda happened to you, as well as including some information in regards to a will and the power of attorney. It is something I always recommend everyone to consider. So I have this included, that information in there for you for you to have a bit of a read Yep. over.","start_word":694,"end_word":771,"intents":[{"intent":"Provide information","confidence_score":0.38814524},{"intent":"Provide review details","confidence_score":0.0000041414846}]},{"text":"And on page 10, you should then have your risk profile.","start_word":820,"end_word":830,"intents":[{"intent":"Discuss risk profile and investments","confidence_score":0.00026098685}]},{"text":"So this just basically outlines that during the annual review, you came out as a growth investor. It is the portfolio you currently have. It is very suitable for you with the amount of time you have left until retirement in order to try not to take advantage of grow your super as much as possible.","start_word":833,"end_word":888,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.033819795}]},{"text":"I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well.","start_word":989,"end_word":1036,"intents":[{"intent":"Compare recommendations","confidence_score":0.0029854372}]},{"text":"I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well. But, essentially, what I have done is part of the research, I've also researched other super funds for you just to make sure that hub twenty four is still the most competitive for you.","start_word":989,"end_word":1070,"intents":[{"intent":"Discuss costs","confidence_score":0.016429275}]},{"text":"There's always new products and features that do come to market, so it is good to kind of reassess things every now and then just to make sure it's still a a very good option for you.","start_word":1072,"end_word":1108,"intents":[{"intent":"Reassessment options","confidence_score":0.067875214}]},{"text":"There's nothing tying us to hub twenty four. But after doing all the research, hub twenty four is still very competitive. But I have recommended that you stay in hub twenty four and literally just change a few investment around.","start_word":1108,"end_word":1147,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.49229312}]},{"text":"Now when it actually also comes to the performance, you can see that kind of at the bottom of the first table, it shows you the five year rolling average.","start_word":1225,"end_word":1254,"intents":[{"intent":"Describe performance","confidence_score":0.024807507}]},{"text":"Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of changes. Yeah.","start_word":1372,"end_word":1428,"intents":[{"intent":"Explain price difference","confidence_score":0.000100590696}]},{"text":"Basically, what this is, it is the estimated capital gains tax with making the changes. So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that.","start_word":1471,"end_word":1510,"intents":[{"intent":"Explaining capital gains tax","confidence_score":0.08963958}]},{"text":"Now I'm trying to minimize that as much as possible for you. So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815. So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about Yeah.","start_word":1577,"end_word":1628,"intents":[{"intent":"Maximizing investment costs","confidence_score":0.0064124777}]},{"text":"Now if you wanna go to the next page for me, so page 16, you can then see a little bit more when it comes to the differences between the performance. So you have a twelve month, three years, five years, and ten years. And it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great.","start_word":1677,"end_word":1742,"intents":[{"intent":"Comparing performance","confidence_score":0.012340775}]},{"text":"You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column. So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to. What's in black is what we are either adding to your portfolio or increasing your exposure to. Does that make sense?","start_word":1818,"end_word":1897,"intents":[{"intent":"Explaining investment strategy","confidence_score":0.001573338},{"intent":"Explaining investment strategies","confidence_score":0.001854089}]},{"text":"What's in black is what we are either adding to your portfolio or increasing your exposure to. Does that make sense? Yeah.","start_word":1876,"end_word":1897,"intents":[{"intent":"Discussing portfolio composition","confidence_score":0.0007180058}]},{"text":"But when it comes to how the investments and the portfolio is actually put together, that hasn't changed.","start_word":1975,"end_word":1992,"intents":[{"intent":"Discussing investments","confidence_score":0.0034236151}]},{"text":"We are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your portfolio. So these are very kind of passive, very diversified investments, and they do have a larger allocation all allocated through them because of that.","start_word":1993,"end_word":2047,"intents":[{"intent":"Expressing preference for passive investments","confidence_score":0.00018491497}]},{"text":"We then have kind of like your satellite investments. Now these can be a little bit more special specialized. They usually target different sectors or or regions. They can be a little bit more volatile, and that's why they only have a smaller portion allocated through them.","start_word":2154,"end_word":2200,"intents":[{"intent":"Mentioning investment locations","confidence_score":0.00044337614}]},{"text":"But these are also the ones that can give you that good amount of growth. So, essentially, for you, it is at the bottom here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World.","start_word":2202,"end_word":2245,"intents":[{"intent":"Explain investment options","confidence_score":0.0057598874}]},{"text":"And then at the end, like I mentioned in the beginning, I have included information in regards to setting up, obviously, your beneficiary forms.","start_word":2609,"end_word":2632,"intents":[{"intent":"Set up beneficiary forms","confidence_score":0.46601716},{"intent":"Provide information on the form","confidence_score":0.000004850646}]},{"text":"And then like I said, I have some information just in regards to setting up a will and power of attorney for Yep. you as well.","start_word":2775,"end_word":2800,"intents":[{"intent":"Provide information about the will and power of attorney","confidence_score":0.0062301806}]},{"text":"I have recommended you stay in Hub 24. Just switch a couple of those investments out for you, saves you a little bit in the fees and improving returns, which is great. Not changing any fee structure or anything like that for you, and there's no additional fees and charges in regards to this recommendation or research or anything like that. It is all part of that ongoing fee for you. Yep.","start_word":2814,"end_word":2885,"intents":[{"intent":"Provide recommendations for staying in hub 24 and obtain advice on modifying investments","confidence_score":3.869816e-9}]},{"text":"If you are happy to go ahead with the the recommendation in order to move forward, it would just be for you to add your signature where you are in the document similar to Yep.","start_word":2952,"end_word":2986,"intents":[{"intent":"Add signature and date","confidence_score":0.0033508528}]},{"text":"It will automatically send it back to me, and that lets me know that you are happy to go ahead with the recommendation, and then I can let the investment team know through to action this for you. Yeah. Cool.","start_word":3008,"end_word":3047,"intents":[{"intent":"Notify investment team","confidence_score":0.0018574402}]},{"text":"Now, Matthew, before I let you go as well, I do wanna just let you know that on a personal note, I will actually be going on maternity leave tomorrow. Okay. Congratulations Yes.","start_word":3051,"end_word":3083,"intents":[{"intent":"Discuss maternity leave","confidence_score":0.026167778}]},{"text":"If I haven't seen your document come through today, I will kind of let her know to kind of keep keep a lookout and touch base with you and see what you want to do, and then she will oversight to make sure if you are happy to go ahead, the investment implementation and everything like that for you.","start_word":3138,"end_word":3196,"intents":[{"intent":"Check document status","confidence_score":0.0103766415}]},{"text":"In the email, I will also include her direct details. So if there's anything that you need, you have her direct contact details as well while I'm away. But if you do forget or email me directly, it will automatically be forwarded to her as well. Yeah.","start_word":3197,"end_word":3243,"intents":[{"intent":"Provide direct details","confidence_score":0.020292489},{"intent":"Provide direct contacts","confidence_score":0.00020008632}]}]},"sentiments":{"segments":[{"text":"Hello, Matt Young?","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03616921976208687},{"text":"Good morning, Matthew.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.38889163732528687},{"text":"This is Veronica from Oakview Financial. How are you? Alright. Yourself?","start_word":6,"end_word":16,"sentiment":"neutral","sentiment_score":0.21276572346687317},{"text":"Yeah. I'm good. Thank you.","start_word":17,"end_word":21,"sentiment":"positive","sentiment_score":0.5974047183990479},{"text":"I was just giving you a quick call this morning just to see if you had about ten, fifteen minutes for me to go through the research I did on your super investments at all. Yep. Yep. Yeah? Okay.","start_word":22,"end_word":60,"sentiment":"neutral","sentiment_score":0.1691882610321045},{"text":"Beautiful.","start_word":61,"end_word":61,"sentiment":"positive","sentiment_score":0.4555512070655823},{"text":"Now, Matthew, 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 with you. Yep. Yep.","start_word":62,"end_word":94,"sentiment":"neutral","sentiment_score":0.06344877928495407},{"text":"Beautiful.","start_word":95,"end_word":95,"sentiment":"positive","sentiment_score":0.4095934331417084},{"text":"And just to confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Matthew Young. Twenty seventh of the eighth. 979. 2 Yep. Alloy Drive in Tarram Downs.","start_word":96,"end_word":136,"sentiment":"neutral","sentiment_score":0.06280341744422913},{"text":"Perfect.","start_word":137,"end_word":137,"sentiment":"positive","sentiment_score":0.4800761342048645},{"text":"Now, Matthew, I did send you the recommendation via email on the September 3. Did you get that at all? Yes. I did. Yep. Yes. Did you have you had a chance to have a look at it at all or not really yet? I've had a quick quick little flick flick flick through it. Yep. But, yeah, it just look. It seems okay to me. So yeah. Yes.","start_word":138,"end_word":206,"sentiment":"neutral","sentiment_score":0.0912720263004303},{"text":"Perfect. So today is pretty straightforward.","start_word":207,"end_word":212,"sentiment":"positive","sentiment_score":0.41836017370224},{"text":"It's just to kind of recap or go through that recommendation with you just to see if you are happy with it or if you have any questions. But Yep. essentially, after the under review we did, I wanted to do some research on your super investments to see if we wanted to change anything, especially with market conditions and everything, especially in relation to that Benelon investments just to see if we can put you in a little bit better position Yep. when it comes to those investments. Do you remember that conversation? Yeah. Yep. Yeah. Okay. Beautiful. And are you kind of driving at the moment or on the I've go? just yeah. No. I've just pulled into a car car car back, so I'm Okay. all good.","start_word":213,"end_word":342,"sentiment":"neutral","sentiment_score":0.06676214933395386},{"text":"Perfect.","start_word":343,"end_word":343,"sentiment":"positive","sentiment_score":0.3398795425891876},{"text":"Do you have access to your emails at the moment to get that document up at the same time at all? Yeah. Yeah. On my phone. I'll Okay. Because it just makes it a little bit easier as I'm rattling numbers and stuff to you if you can Yep. look at that at the same Yep. time. So just let me know when you have that one in front of you. And while you do have a look at finding the email, every time we do make a recommendation for you, we have to put everything in that statement of advice.","start_word":344,"end_word":444,"sentiment":"neutral","sentiment_score":0.13112199306488037},{"text":"A lot of Yep. it is just compliant, quite worthy, but it is to make sure that you fully understand everything as well and have all Yep.","start_word":445,"end_word":471,"sentiment":"positive","sentiment_score":0.3411630392074585},{"text":"the information available to you. So I'll Yep. just kind of go through the the main changes, and it is pretty straightforward today. It's not too many Yeah.","start_word":472,"end_word":499,"sentiment":"neutral","sentiment_score":0.2207765281200409},{"text":"Cool.","start_word":500,"end_word":500,"sentiment":"positive","sentiment_score":0.3380824625492096},{"text":"changes. Yeah. Yeah. Yeah. I've got it up Okay.","start_word":501,"end_word":509,"sentiment":"neutral","sentiment_score":0.20050576329231265},{"text":"Beautiful.","start_word":510,"end_word":510,"sentiment":"positive","sentiment_score":0.6574640870094299},{"text":"Now on the cover page, you'll see that this has been tailored specifically for you. You will see my details listed as well. You will see my now. authorized representative number, and I am licensed under OQ Yep. Financial. Now on the second page of this document, it talks a little bit about the best duty. Do you remember ever hearing about that before? Yeah. I think so. Yep. So, basically, this means that we have to act in Yeah. your best interest at all time, always put you first, And that the advice that we do recommend also has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yeah. Yep. Yeah. Okay.","start_word":511,"end_word":639,"sentiment":"neutral","sentiment_score":0.06932758539915085},{"text":"Beautiful.","start_word":640,"end_word":640,"sentiment":"positive","sentiment_score":0.5612143278121948},{"text":"Now if you can kind of scroll through with me, you will see table of contents, pretty self explanatory. You have then scope of advice. Basically, what this means is just the areas we are looking at today. So like I said, pretty straightforward. Just looking at your super, specifically your investments. I have also included information in regards to estate planning, making sure that your super and insurances does go through who you want to go to, something woulda happened to you, as well as including some information in regards to a will and the power of attorney.","start_word":641,"end_word":739,"sentiment":"neutral","sentiment_score":0.20012896816537837},{"text":"It is something I always recommend everyone to consider.","start_word":740,"end_word":748,"sentiment":"positive","sentiment_score":0.5133969187736511},{"text":"So I have this included, that information in there for you for you to have a bit of a read Yep. over. Yep.","start_word":749,"end_word":771,"sentiment":"neutral","sentiment_score":0.29649028182029724},{"text":"Beautiful.","start_word":772,"end_word":772,"sentiment":"positive","sentiment_score":0.607675313949585},{"text":"Otherwise, if you can scroll down through page. And for me, Matthew, you will see that when you scroll through, it just have some personal information in regards to you, assets, liabilities. It then outlines your superannuation and insurances like we touched on during your annual review. And on page 10, you should then have your risk profile. Yep.","start_word":773,"end_word":831,"sentiment":"neutral","sentiment_score":0.14451663196086884},{"text":"Beautiful. So this just basically outlines that during the annual review, you came out as a growth investor. It is the portfolio you currently have. It is very suitable for you with the amount of time you have left until retirement in order to try not to take advantage of grow your super as much as possible.","start_word":832,"end_word":888,"sentiment":"positive","sentiment_score":0.44388073682785034},{"text":"It is not high risk, though. It is a good kind of balance, but we are focusing on growing your super, minimizing fluctuations a little bit as well. So not making any changes to your risk profile today. It is literally just changing a couple of investments. Yep. Now if you can then scroll down to page 15 for me, it will take you through a c comparison table. Let me know if you can see that. Yep. Yep. So, basically, what you scroll through is basically what I'm about to explain to you. It just shows it in words. I often find looking at this makes it a little bit easier, but it basically what you scroll through, it shows you how the recommendation acted in your best interest, all the advantages in regards to the recommendation, some risks and disadvantages to be mindful of as well. But, essentially, what I have done is part of the research, I've also researched other super funds for you just to make sure that hub twenty four is still the most competitive for you.","start_word":889,"end_word":1070,"sentiment":"neutral","sentiment_score":0.1673198044300079},{"text":"There's always new products and features that do come to market, so it is good to kind of reassess things every now and then just to make sure it's still a a very good option for you.","start_word":1071,"end_word":1107,"sentiment":"positive","sentiment_score":0.468329519033432},{"text":"There's nothing tying us to hub twenty four. But after doing all the research, hub twenty four is still very competitive.","start_word":1108,"end_word":1128,"sentiment":"neutral","sentiment_score":0.22633635997772217},{"text":"But I have recommended that you stay in hub twenty four and literally just change a few investment around. I do Yep. use hub twenty four for my personal super as well. So, yeah, have recommended you stay and just change some investments.","start_word":1129,"end_word":1171,"sentiment":"positive","sentiment_score":0.3920401632785797},{"text":"Now Yep. when it actually what it actually looks like in terms of just changing a couple of investments is that you are actually saving about $594 per year in total fees, which still adds up pretty pretty quickly with compounding as well, and that is just to swap some investments around. Yep. Now when it actually also comes to the performance, you can see that kind of at the bottom of the first table, it shows you the five year rolling average. So, essentially, obviously, with performance, you can't guarantee what's going to happen, but that is why we like to use a five year rolling average. So using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of how their portfolio has performed and the market as well. Does that make sense? Yeah. Yeah.","start_word":1172,"end_word":1320,"sentiment":"neutral","sentiment_score":0.1988782435655594},{"text":"Yep. Perfect. And you can see on this table here that the recommended portfolio has outperformed your current portfolio by about that 2.36%. With that coupled with your fee saving, you can then see at the bottom of that table when we are projecting that forward for five and ten years.","start_word":1321,"end_word":1371,"sentiment":"positive","sentiment_score":0.4457312226295471},{"text":"Even when you look at five years, and this is also not making any changes to your insurances, contributions, or, advice fees or anything like that, it is literally just changing some investment, you can see that the estimated difference is about 48,000, which is pretty crazy as well by just making a couple of changes. Yeah. Yep. Now the one thing I do want to let you know to be mindful of is at the top of this table where it says balance, and you can see a difference of $520. Can you see that? Yeah. Yep. Yep. Basically, what this is, it is the estimated capital gains tax with making the changes. So when we do change investments, so if we are selling investments that have gone up, you have to pay capital gains tax on that. So similar to if you were to, you know, sell an investment property, that will be capital gains tax. It is all taken care of within the super environment, though, so it's not something that you personally have to pay for. And it does not form part of your when you do your tax return or anything like that either. It's all within the super environment. Now I'm trying to minimize that as much as possible for you. So if I were to change all of your investments around, the estimated capital gains tax would have been about 3,815. So, obviously, I wanted to minimize that as much as possible for you, and it's estimated at about Yeah. $5.20. So Yep. just something I want you to be mindful of. But as you can see, obviously, the fee saving in your investments is 594 per year. So, obviously, very quickly, you will negate that change. Yeah. Yep. Does that make sense? Yeah. Yep. Yeah.","start_word":1372,"end_word":1674,"sentiment":"neutral","sentiment_score":0.013135053533230825},{"text":"Okay. Perfect.","start_word":1675,"end_word":1676,"sentiment":"positive","sentiment_score":0.5412071943283081},{"text":"Now if you wanna go to the next page for me, so page 16, you can then see a little bit more when it comes to the differences between the performance. So you have a twelve month, three years, five years, and ten years.","start_word":1677,"end_word":1720,"sentiment":"neutral","sentiment_score":0.24644824862480164},{"text":"And it shows you as well that across all time periods, the recommended portfolio has outperformed your current portfolio, which is great.","start_word":1721,"end_word":1742,"sentiment":"positive","sentiment_score":0.6601487398147583},{"text":"Now what that actually looks like in terms of the investment change is on page 17. So it's you should see another investment table. It might look a little bit messy sometimes, but can you see that big table? Yes. Yes. I Yeah. can. Yep. So, basically, what this shows, first, you have your investment name, so what they are called, what the investments are. You then have the kind of special little code. You have then how much you currently have in each option as a percentage, what that equivalents through from a balance, a dollar value point of view, and then you have the buy and sell column. So this column here, everything that is in red is either what we are selling out of or just reducing your exposure to. What's in black is what we are either adding to your portfolio or increasing your exposure to. Does that make sense? Yeah. Yep. Yep.","start_word":1743,"end_word":1899,"sentiment":"neutral","sentiment_score":0.056783408804494104},{"text":"Perfect.","start_word":1900,"end_word":1900,"sentiment":"positive","sentiment_score":0.6548700332641602},{"text":"Then you have the target weight to how much we are aiming for from in that each investment and then what that looks like from a dollar value. So as you can see here, we have made a couple of changes, and that is just to kind of keep up to date with market conditions and everything for you and making sure we position you well for the future and keeping things very diversified. But when it comes to how the investments and the portfolio is actually put together, that hasn't changed. We are still very much using that core and satellite approach to investing, which basically means that what your core investments are are kind of like your backbone of your portfolio. So these are very kind of passive, very diversified investments, and they do have a larger allocation all allocated through them because of that. So, essentially, for you, what those looks like is 30 in the iShares S and P 500. You already had 26.89% exposure to this investment.","start_word":1901,"end_word":2072,"sentiment":"neutral","sentiment_score":0.19130495190620425},{"text":"It is very good because it's very diversified because you essentially invest in the 500 largest companies listed in The US within that one single investment. So very diversified for you.","start_word":2073,"end_word":2103,"sentiment":"positive","sentiment_score":0.42415618896484375},{"text":"Yep. Yeah. Cool. You then have 20% at the bottom there through the BetaShares Australia 200. Again, kind of a similar where it is investing in the 200 largest companies, but listed in Australia. So, again, we wanna make sure we're keeping very diversified across the globe for you. Yep. We then have kind of like your satellite investments. Now these can be a little bit more special specialized. They usually target different sectors or or regions. They can be a little bit more volatile, and that's why they only have a smaller portion allocated through them.","start_word":2104,"end_word":2200,"sentiment":"neutral","sentiment_score":0.11176804453134535},{"text":"But these are also the ones that can give you that good amount of growth.","start_word":2201,"end_word":2215,"sentiment":"positive","sentiment_score":0.3782653510570526},{"text":"So, essentially, for you, it is at the bottom here where you can see 8% included in Europe, 5% through Japan, 8% in an investment called Vanguard All World. You may have heard of Vanguard before. They're they're quite Yeah. big. Yeah. Yeah.","start_word":2216,"end_word":2258,"sentiment":"neutral","sentiment_score":0.09603569656610488},{"text":"Beautiful.","start_word":2259,"end_word":2259,"sentiment":"positive","sentiment_score":0.5897669792175293},{"text":"This one here, it does invest in all around the globe, but it does exclude The US because you already have pretty decent exposure through The US in that shares s and p 500. And we also wanna make sure you don't have, like, an overexposure to one market either to keep things very diversified. And then the last kind of satellite investment is cybersecurity. You already had that in your portfolio. It's just reducing the portion from about 8% down to five, but still very much keeping that. And then you have your defensive investments. So we are keeping gold in your portfolio. You had about 8%. Just increasing that up through 10% for you. And you also have 14% in a fixed interest. You're trying to limit those fluctuations a little bit as well, aiming for that about 80% in your growth investments and 20 in defense debt. Does that all make sense? Yeah. Yep. Yep. Yeah.","start_word":2260,"end_word":2418,"sentiment":"neutral","sentiment_score":0.15281745791435242},{"text":"Perfect.","start_word":2419,"end_word":2419,"sentiment":"positive","sentiment_score":0.4084376096725464},{"text":"Now if it was that you wanted to have a radar on these investments in your own time, Matthew, in the appendix, which is the second attachment, I have included investment links to each and every single one of these investments if it was something that you wanted to go and have a read over just to give you that full transparency and Yeah. Yeah. everything as well. Yep. Perfect. And, basically, at the end, what it looks like from asset allocation is page 19. You should see a little pie chart and then another Yeah. Yep. table. Got Yep. it. Perfect. Yep. This just shows you the asset allocation. So on the second column, it says the profile. It is aiming for about that eighty twenty split. It does fluctuate a little bit with, obviously, market movements, but around that eighty twenty, you can see your existing portfolio, which is about 80.85 in growth and 19 defensive. And then proposed is about $84.93 growth, and defensive about 15.08. So both Yep. are still very much within that kind of range of that growth profile for you. Yeah. Yep. And then at the end, like I mentioned in the beginning, I have included information in regards to setting up, obviously, your beneficiary forms. So making sure that if something were to happen to you, it will go through your partner. Because it's your partner, it will be completely tax free if something were to happen. And the structure I have recommended, it is a binding, non lapsing option. Basically, non lapsing means that it stays in place until you decide to change it instead of you having to recomplete the form every three years. And Yep. then binding basically means that it's the trustee of your super fund and your insurance are basically bound to follow your wishes. The other option is a nonbinding, which basically just means that it tells them who you've wanted to go to, that they have ultimate control if they feel that there's someone else that's better suited to it. So it doesn't Yes. give you as much certainty.","start_word":2420,"end_word":2773,"sentiment":"neutral","sentiment_score":0.11272114692098004},{"text":"Beautiful.","start_word":2774,"end_word":2774,"sentiment":"positive","sentiment_score":0.5336389541625977},{"text":"And then like I said, I have some information just in regards to setting up a will and power of attorney for Yep. you as well. And that is essentially everything. So kind of, like I said, pretty straightforward. I have recommended you stay in Hub 24.","start_word":2775,"end_word":2821,"sentiment":"neutral","sentiment_score":0.20713162422180176},{"text":"Just switch a couple of those investments out for you, saves you a little bit in the fees and improving returns, which is great.","start_word":2822,"end_word":2845,"sentiment":"positive","sentiment_score":0.4707408547401428},{"text":"Not changing any fee structure or anything like that for you, and there's no additional fees and charges in regards to this recommendation or research or anything like that. It is all part of that ongoing fee for you. Yep. Yep. Cool. Yep. Now, Matthew, do you have any questions in regards to any of that, or what are your thoughts on all of No. That no. this? No. That's it sounds all good. That's what's Yep. on you.","start_word":2846,"end_word":2924,"sentiment":"neutral","sentiment_score":0.1924445927143097},{"text":"Okay. Perfect. So, essentially, from here, if you wanted to have take some time and have a read over this, you are more than welcome to.","start_word":2925,"end_word":2950,"sentiment":"positive","sentiment_score":0.3494988679885864},{"text":"If you are happy to go ahead with the the recommendation in order to move forward, it would just be for you to add your signature where you are in the document similar to Yep. what you did for the annual review. It should just ask for your signature and your date. It will then say validate.","start_word":2951,"end_word":3007,"sentiment":"neutral","sentiment_score":0.30051538348197937},{"text":"It will automatically send it back to me, and that lets me know that you are happy to go ahead with the recommendation, and then I can let the investment team know through to action this for you.","start_word":3008,"end_word":3045,"sentiment":"positive","sentiment_score":0.47926315665245056},{"text":"Yeah.","start_word":3046,"end_word":3046,"sentiment":"neutral","sentiment_score":0.31718164682388306},{"text":"Cool. Cool. Yep. Perfect.","start_word":3047,"end_word":3050,"sentiment":"positive","sentiment_score":0.5079764723777771},{"text":"Now, Matthew, before I let you go as well, I do wanna just let you know that on a personal note, I will actually be going on maternity leave tomorrow.","start_word":3051,"end_word":3080,"sentiment":"neutral","sentiment_score":0.12861482799053192},{"text":"Okay. Congratulations Yes. for Oh, the thanks.","start_word":3081,"end_word":3087,"sentiment":"positive","sentiment_score":0.4546195566654206},{"text":"impending birth Yeah.","start_word":3088,"end_word":3090,"sentiment":"neutral","sentiment_score":0.2080877274274826},{"text":"Thank you here. very much.","start_word":3091,"end_word":3095,"sentiment":"positive","sentiment_score":0.5818764567375183},{"text":"So what I will also do is while I am away so I will be away for about twelve months. So while I Yep. am away, my colleague Jenna will kind of take over for me. So I will let her know. If I haven't seen your document come through today, I will kind of let her know to kind of keep keep a lookout and touch base with you and see what you want to do, and then she will oversight to make sure if you are happy to go ahead, the investment implementation and everything like that for you. In the email, I will also include her direct details. So if there's anything that you need, you have her direct contact details as well while I'm away. But if you do forget or email me directly, it will automatically be forwarded to her as well. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Cool. Yeah. I'll I'll yeah. I'll sign that document when I get back in in into my office.","start_word":3096,"end_word":3267,"sentiment":"neutral","sentiment_score":0.13182520866394043},{"text":"Okay. Beautiful. That's great. So I'll keep a look at that today, and then I can get that sorted for you today before I head off.","start_word":3268,"end_word":3293,"sentiment":"positive","sentiment_score":0.5038390159606934},{"text":"Yeah. Yeah. But Cool. like I said, keep a look after that other email as well, and you will have her direct contact details. If you forget, though, and you just call the office, they will forward it directly to her anyway, so there's no Yeah. stress. Yeah. Cool.","start_word":3294,"end_word":3342,"sentiment":"neutral","sentiment_score":0.0923354298883707},{"text":"Cool. Yep. That sounds good. Great. Well, thank you so much for your time this morning, Matthew, and I wish you all the best in the next twelve months. And look forward to catching No worries. Thanks for for that. Hopefully, it all goes well and yeah. And now yeah. It's nice and easy. It's easy Yeah.","start_word":3343,"end_word":3399,"sentiment":"positive","sentiment_score":0.6210028529167175},{"text":"to complete. Fingers crossed. Fingers That's crossed. right. That's right. Oh, That's thank right.","start_word":3400,"end_word":3413,"sentiment":"neutral","sentiment_score":0.24663300812244415},{"text":"thank you so much, Matthew, and all the best in the meantime.","start_word":3414,"end_word":3425,"sentiment":"positive","sentiment_score":0.6588173508644104},{"text":"No worries.","start_word":3426,"end_word":3427,"sentiment":"neutral","sentiment_score":0.2643223702907562},{"text":"Same to you. Thank you. Thanks. Thanks.","start_word":3428,"end_word":3434,"sentiment":"positive","sentiment_score":0.5547518134117126},{"text":"Bye. Bye.","start_word":3435,"end_word":3436,"sentiment":"neutral","sentiment_score":0.2752459645271301}],"average":{"sentiment":"neutral","sentiment_score":0.18114643933668448}}}}