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Now, Daniel, 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. Yep. Beautiful. And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Beautiful. And how's your day been? Been busy? Lovely. Now yeah. Now, Daniel, are you driving at the moment? No. Okay. Perfect. If you have the option to do so, I have to send you an email with a recommendation to go through quickly. It just makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so. Yes. Okay. Perfect. So can you see the cover page where it says prepared for Daniel Lee? And there's, like, a photo of the Gold Coast in the background. Yeah. Perfect. Now you will see that this document is 27 pages. A lot of it is just compliance. It is pretty straightforward today. But every time we do make a recommendation, we to put everything in a statement of advice for you just to make sure they fully understand everything and that you are happy with the recommendation. But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long. Now otherwise, Daniel, you will see on the cover page there my details listed. You'll see my authorized representative number, and I am licensed under OTU Financial. Now if you want to scroll to the second page for me, it should talk a little bit about the best interest duty. Can you see that? Do you remember ever hearing about that before? Yeah. No. That's all good. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself 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. Beautiful. Now I'll probably get you just to kind of scroll through with me. So you will see table of contents, pretty self explanatory. You will then have scope of advice. So page three, if you can see that. Yep. But, basically, this just talks about the areas we are looking at in today's statement of advice. So simply today, very straightforward. We are just looking at your superannuation, particularly your investments to see if we wanted to make any changes to any of your investments. Not making changes to insurances or anything else. Otherwise, it is literally just those super investments. All make sense so far? Yep. Beautiful. Now if you want to scroll down for me through page nine. So what you scroll through, you'll have just some information just about you, your assets, what we went through over the annual review, just about your superannuation, your clear view policy, which then should take you to your risk profile page, which is page nine. Yep. Perfect. Sorry. We are not making any changes when it comes to your risk profile. You are currently in a high growth portfolio, and you came out kind of borderline between that growth and high growth during the annual review, but the high growth is still very much suitable for you. You still have plenty of time until you can access the money when you retire to take advantage of those ups and downs in the market to try to grow your super as much as possible, but not making changes to your risk profile. Literally just changing a few of the investments around for you. Yep. Perfect. Now if you wanna scroll to page 12, you should then see the actual recommendation. So it should say strategy recommendation at the top. Yep. Beautiful. So part of the research is I also considered other super funds for you just to make sure hub twenty four is still the best option. There's always new products and features that comes out to the market, so it is good to kind of just go and reassess every now and then just to make sure. There's nothing tying us, obviously, to hub 24, so it is good to do the research just to make sure it's the best option for you. And after doing the yes. Yes. So without having the direct comparison, I can't say, specifically, but part of the research that we consider is everything. So we look at a bunch of different super funds to determine what's the best for you. Now often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always. But where the kind of the big difference is that it's very limited when it comes through the investment choices. So we can't then construct the same kind of portfolio and give you the same returns as you can in something like HUB24 Because with HUB24, you have, like, hundreds of different options to choose from. Whereas, like, MindSuper or AustralianSuper or with Australian Retirement Trust Receiver, for any of them, if you ever have a look at their, like, investment menu, it's very limited. Sometimes there's, like, 10, it's very limited. Sometimes there's, like, ten, fifteen, maybe 20 options max, whereas hub 24, there's hundreds. So because of that, it gives us a lot more flexibility in changing investments and putting together your portfolio. So often, it becomes a lot more competitive because you can't, like, achieve the same kind of diversification and outcome in the industry funds. Funds. So that is something that I looked at now when I did the research for you as well. Considered just making sure that hub twenty four was still the best option. And, yeah, often, it's more so because, ultimately, what grows your super and what makes a difference how you can invest the money. At the end of the day, like, Hub24, Mindsoup, AustralianSuper, they're just like a platform that holds your money at the end of the day. It's kind of what you can invest the money that into that makes your money grow, if that makes sense. Yep. And sometimes there is also certain, like, industries and stuff that do have a just like a default option that everyone goes into. That's not to say that that's always the best option because it's very obviously individualized what we do for you as well. Does that answer that question for you, Daniel? Yep. Yep. No. That's all good. But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation. And like I said, I have recommended right now that you do stay in Hub twenty four and just change some of your investments around. I do use Hub twenty four for my personal super as well. And if it wasn't the best option for you, I wouldn't recommend it, and I wouldn't use it myself either. Yeah. All good. Now if you can scroll down to page 15 for me, it kind of summarizes the recommendation in a nice little table. Yep. Perfect. So what you can see here is, like, basically, the pages that you scroll through, it talks about advantages and risks and disadvantages to be mindful of. But I find that looking at this table sometimes makes it a little bit easier. So you can see here that with, obviously, contributions the same, insurance is the same, fees the same, By changing some of your investments around, it is saving you about $459 per year, which does add up when you do compound things. So that is literally just changing some of the investments, which I thought was pretty good. Now when it comes through the performance, so you can see here that both are high growth portfolio. You can then also see the five year rolling average. So you can see that the recommended portfolio has outperformed your current loan by quite a bit. Now, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the market, but that is why we use a five year rolling average when we are projecting things for you. Because using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty of what has happened to the portfolio and the market as well. Does that make sense, Daniel? Yep. So the the recommended is performing a bit better. It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years. You can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you. Yep. Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62. Can you see that? Yep. So, basically, what this is is the estimated capital gains tax. So when we do sell investments, there are sometimes capital gains tax to be paid when you're selling an investment. Similar to, like, if you were to sell an investment property, the same does kind of take place within the super environment. So it is kind of separating that you don't have to pay for anything personally. It's not like you have to declare anything on your tax return, but it does take place within the super environment as well. So we obviously wanna minimize that as much as possible. And if I were to sell all your investments, like, change everything, the estimated capital gains tax would have been about 1,814. So, obviously, we wanna minimize that by still making sure we change out any investments necessary. So it's estimated necessary. So it's estimated it'll just be about $62. So it's not too much, but something I do wanna let you know. Yep. Beautiful. Now, obviously, prices can change, obviously, with the market, but it will be around that 62, which is pretty good. Yep. Any questions in regards to that? Oh, that's pretty straightforward. Yep. Perfect. Yeah. Perfect. Now if you then can scroll down for me to page 17, you should have a investment table. Yep. So this kind of outlines what the changes are that I have recommended for you when it comes to the investment. This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment. You then have the kind of special little code. You have current weight, so how much you currently have invested in each option, what that looks like from a dollar value, and then you have the buy and sell column. So this one here, whatever is highlighted in red is either what we are selling or just reducing your exposure to a little bit. Black is what we are either increasing exposure to or adding to your portfolio. And then you also have the target way again and the balance. Now when it comes to the actual portfolio, how we put together everything hasn't changed. It's still very much using that core satellite approach to investing. Do you remember ever hearing about that before, or do you know much about what that looks like, Daniel? No. So, basically, what it means is that we invest majority of the funds in the core, which essentially represents the backbone of the portfolio. These are kind of like your passive index funds that have done really well in the past and are very diversified. So these are, like, your biggest holdings. So for example, you have 35% in iShares S and P five hundred. You already had 28% in this investment. It's just increasing the exposure a little bit. Now with this one investment, it is essentially investing in the 500 largest companies listed in The US. So, obviously, a very diversified investment because you have 500 different companies and, obviously, very big. So if something would happen to one company, it won't impact things as much because you do have very diversified. So that's why that one is part of your core investment. Now we also then wanna make sure we have some Australian exposure. Now in your current portfolio, you had Benelon Australian equity in the portfolio. This is the one I kind of talked about a little bit during the under review that I wanted to do some research and potentially switch out for you if you remember. Yep. So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred. This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX. So you will have, like, Commonwealth and BHP, Woolworths, all the big companies again, but in Australia, because we wanna make sure we diversify things. We don't want just just everything in The US or everything in Australia. We wanna keep things very diversified across the different markets to protect you as well. Does that make sense? Yep. Yep. Beautiful. Then you have what we call your satellite investments. Now these can be a little bit more like dynamic and specialized. They tend to target specific, you know, sectors, regions, or assets, and that is what's going to maximize the growth for you. But they can be a little bit more volatile, and that is why they only represent a smaller portion of your portfolio. So for example, you have cybersecurity in the investment. You already had that one, but that was at about 5.84%. It is just bringing that back up through 6%. You already had that in your portfolio. Same with Osha's Europe. You already had it in your portfolio, but about 6.03%. Just increasing that up to about 9%. We've then taken out some of the other investments, We've then taken out some of the other investments for you and introduced again, to try to keep things very diversified, we've introduced about 5% through Japan, 8% through an investment that's called Vanguard All World. You may have heard of Vanguard before. No? No. They're they're very big. If you do research that, they are massive. But, essentially, there's 8% in this investment. And it does kind of invest in thousands of companies around the world, but it excludes The US because you already have pretty good exposure to The US in that iShares S and P 500. I wanna make sure you don't have too much exposure to one market either. So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well. And then you have your defensive. They have 5% in your fixed interest, and then you have 7% in gold as well to try not to stabilize things a little bit when things are fluctuating. So that is essentially the portfolio. So some changes, but not changing everything for you. Does that kind of make sense, Daniel? Yep. Beautiful. Now if you wanted to go and have a bit more research on these investments, all the information is there for you. So in the appendix, I have included all the investment links. If you wanted to go and have a have a read over all the investments, all the information and transparency is there for you. That is just in the appendix. Yep. Perfect. Now, otherwise, when it comes to the asset allocation, like I mentioned, we are aiming at around that ninety ten split. 90% in your growth investments, 10 in the defensive. Your current portfolio is sitting at about 88.01% in growth, whereas the recommended is about 93.81. So a tiny bit more in growth, but both still very much aligning with that high growth portfolio to tryna maximize that growth for you. Yep. The last thing I do wanna just let you know is just a remuneration. So like I mentioned during the under review, no changes whatsoever in regards to that fee structure for you. Stays exactly the same at that 1.65%, and there's no additional fees or charges whatsoever in regards to, obviously, this research and if you wanted to go ahead with the changes. That was essentially everything I needed to touch on. So pretty straightforward. But do you have any questions, or what are your thoughts on on it all? Yep. Exactly. And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board. So it gives us that flexibility. But at the same time, we don't wanna, you know, day trade your super. We do invest in investments that are very diversified and backed as well to give you that protection. Yep. Now, essentially, from here is obviously, if you wanna take some time and have a read over the documents, you are more than welcome to. Or if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally. It's the same as what you did for the annual review. It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation. And I can then let the investments team know, and we can make those couple of changes for you. Alright. Beautiful. Let me refresh. Yep. Perfect. I can see that that's come through, which is great. So thank you so much for that. I will let the team know. We'll go ahead and make these couple of changes for you. You still have access to this document as well. So if you ever wanna go back and have a read over it, you can always click click back into the email. You can download the documents as well. It's always there for you. If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues. Yep. Beautiful. Now do you have any questions for me otherwise before I let you go and get on with your day, Daniel? Yeah. Okay. Beautiful. If there is anything else that we can help you with at any point in time, though, any questions, don't hesitate to give us a call. Okay? Okay. Beautiful. Well, thank you so much for your time today, and I hope you enjoy the rest of your day. Thanks. 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Is this Daniel? It's Veronica from Refugee Financial. How are you? Good.\n\nYou got a little bit of time for me? It shouldn't take too long today. No. That's all good. Now, Daniel, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Beautiful. And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Beautiful.\n\nAnd how's your day been? Been busy? Lovely. Now yeah. Now, Daniel, are you driving at the moment?\n\nNo. Okay. Perfect. If you have the option to do so, I have to send you an email with a recommendation to go through quickly. It just makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so.\n\nYes. Okay. Perfect. So can you see the cover page where it says prepared for Daniel Lee? And there's, like, a photo of the Gold Coast in the background.\n\nYeah. Perfect. Now you will see that this document is 27 pages. A lot of it is just compliance. It is pretty straightforward today.\n\nBut every time we do make a recommendation, we to put everything in a statement of advice for you just to make sure they fully understand everything and that you are happy with the recommendation. But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long. Now otherwise, Daniel, you will see on the cover page there my details listed. You'll see my authorized representative number, and I am licensed under OTU Financial. Now if you want to scroll to the second page for me, it should talk a little bit about the best interest duty.\n\nCan you see that? Do you remember ever hearing about that before? Yeah. No. That's all good.\n\nEssentially, what it means is that we have to act in your best interest at all time, and the advice itself 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. Beautiful.\n\nNow I'll probably get you just to kind of scroll through with me. So you will see table of contents, pretty self explanatory. You will then have scope of advice. So page three, if you can see that. Yep.\n\nBut, basically, this just talks about the areas we are looking at in today's statement of advice. So simply today, very straightforward. We are just looking at your superannuation, particularly your investments to see if we wanted to make any changes to any of your investments. Not making changes to insurances or anything else. Otherwise, it is literally just those super investments.\n\nAll make sense so far? Yep. Beautiful. Now if you want to scroll down for me through page nine. So what you scroll through, you'll have just some information just about you, your assets, what we went through over the annual review, just about your superannuation, your clear view policy, which then should take you to your risk profile page, which is page nine.\n\nYep. Perfect. Sorry. We are not making any changes when it comes to your risk profile. You are currently in a high growth portfolio, and you came out kind of borderline between that growth and high growth during the annual review, but the high growth is still very much suitable for you.\n\nYou still have plenty of time until you can access the money when you retire to take advantage of those ups and downs in the market to try to grow your super as much as possible, but not making changes to your risk profile. Literally just changing a few of the investments around for you. Yep. Perfect. Now if you wanna scroll to page 12, you should then see the actual recommendation.\n\nSo it should say strategy recommendation at the top. Yep. Beautiful. So part of the research is I also considered other super funds for you just to make sure hub twenty four is still the best option. There's always new products and features that comes out to the market, so it is good to kind of just go and reassess every now and then just to make sure.\n\nThere's nothing tying us, obviously, to hub 24, so it is good to do the research just to make sure it's the best option for you. And after doing the yes. Yes. So without having the direct comparison, I can't say, specifically, but part of the research that we consider is everything. So we look at a bunch of different super funds to determine what's the best for you.\n\nNow often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always. But where the kind of the big difference is that it's very limited when it comes through the investment choices. So we can't then construct the same kind of portfolio and give you the same returns as you can in something like HUB24 Because with HUB24, you have, like, hundreds of different options to choose from. Whereas, like, MindSuper or AustralianSuper or with Australian Retirement Trust Receiver, for any of them, if you ever have a look at their, like, investment menu, it's very limited. Sometimes there's, like, 10, it's very limited.\n\nSometimes there's, like, ten, fifteen, maybe 20 options max, whereas hub 24, there's hundreds. So because of that, it gives us a lot more flexibility in changing investments and putting together your portfolio. So often, it becomes a lot more competitive because you can't, like, achieve the same kind of diversification and outcome in the industry funds. Funds. So that is something that I looked at now when I did the research for you as well.\n\nConsidered just making sure that hub twenty four was still the best option. And, yeah, often, it's more so because, ultimately, what grows your super and what makes a difference how you can invest the money. At the end of the day, like, Hub24, Mindsoup, AustralianSuper, they're just like a platform that holds your money at the end of the day. It's kind of what you can invest the money that into that makes your money grow, if that makes sense. Yep.\n\nAnd sometimes there is also certain, like, industries and stuff that do have a just like a default option that everyone goes into. That's not to say that that's always the best option because it's very obviously individualized what we do for you as well. Does that answer that question for you, Daniel? Yep. Yep.\n\nNo. That's all good. But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation. And like I said, I have recommended right now that you do stay in Hub twenty four and just change some of your investments around. I do use Hub twenty four for my personal super as well.\n\nAnd if it wasn't the best option for you, I wouldn't recommend it, and I wouldn't use it myself either. Yeah. All good. Now if you can scroll down to page 15 for me, it kind of summarizes the recommendation in a nice little table. Yep.\n\nPerfect. So what you can see here is, like, basically, the pages that you scroll through, it talks about advantages and risks and disadvantages to be mindful of. But I find that looking at this table sometimes makes it a little bit easier. So you can see here that with, obviously, contributions the same, insurance is the same, fees the same, By changing some of your investments around, it is saving you about $459 per year, which does add up when you do compound things. So that is literally just changing some of the investments, which I thought was pretty good.\n\nNow when it comes through the performance, so you can see here that both are high growth portfolio. You can then also see the five year rolling average. So you can see that the recommended portfolio has outperformed your current loan by quite a bit. Now, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the market, but that is why we use a five year rolling average when we are projecting things for you.\n\nBecause using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty of what has happened to the portfolio and the market as well. Does that make sense, Daniel? Yep. So the the recommended is performing a bit better. It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years.\n\nYou can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you. Yep. Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62. Can you see that? Yep.\n\nSo, basically, what this is is the estimated capital gains tax. So when we do sell investments, there are sometimes capital gains tax to be paid when you're selling an investment. Similar to, like, if you were to sell an investment property, the same does kind of take place within the super environment. So it is kind of separating that you don't have to pay for anything personally. It's not like you have to declare anything on your tax return, but it does take place within the super environment as well.\n\nSo we obviously wanna minimize that as much as possible. And if I were to sell all your investments, like, change everything, the estimated capital gains tax would have been about 1,814. So, obviously, we wanna minimize that by still making sure we change out any investments necessary. So it's estimated necessary. So it's estimated it'll just be about $62.\n\nSo it's not too much, but something I do wanna let you know. Yep. Beautiful. Now, obviously, prices can change, obviously, with the market, but it will be around that 62, which is pretty good. Yep.\n\nAny questions in regards to that? Oh, that's pretty straightforward. Yep. Perfect. Yeah.\n\nPerfect. Now if you then can scroll down for me to page 17, you should have a investment table. Yep. So this kind of outlines what the changes are that I have recommended for you when it comes to the investment. This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment.\n\nYou then have the kind of special little code. You have current weight, so how much you currently have invested in each option, what that looks like from a dollar value, and then you have the buy and sell column. So this one here, whatever is highlighted in red is either what we are selling or just reducing your exposure to a little bit. Black is what we are either increasing exposure to or adding to your portfolio. And then you also have the target way again and the balance.\n\nNow when it comes to the actual portfolio, how we put together everything hasn't changed. It's still very much using that core satellite approach to investing. Do you remember ever hearing about that before, or do you know much about what that looks like, Daniel? No. So, basically, what it means is that we invest majority of the funds in the core, which essentially represents the backbone of the portfolio.\n\nThese are kind of like your passive index funds that have done really well in the past and are very diversified. So these are, like, your biggest holdings. So for example, you have 35% in iShares S and P five hundred. You already had 28% in this investment. It's just increasing the exposure a little bit.\n\nNow with this one investment, it is essentially investing in the 500 largest companies listed in The US. So, obviously, a very diversified investment because you have 500 different companies and, obviously, very big. So if something would happen to one company, it won't impact things as much because you do have very diversified. So that's why that one is part of your core investment. Now we also then wanna make sure we have some Australian exposure.\n\nNow in your current portfolio, you had Benelon Australian equity in the portfolio. This is the one I kind of talked about a little bit during the under review that I wanted to do some research and potentially switch out for you if you remember. Yep. So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred. This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX.\n\nSo you will have, like, Commonwealth and BHP, Woolworths, all the big companies again, but in Australia, because we wanna make sure we diversify things. We don't want just just everything in The US or everything in Australia. We wanna keep things very diversified across the different markets to protect you as well. Does that make sense? Yep.\n\nYep. Beautiful. Then you have what we call your satellite investments. Now these can be a little bit more like dynamic and specialized. They tend to target specific, you know, sectors, regions, or assets, and that is what's going to maximize the growth for you.\n\nBut they can be a little bit more volatile, and that is why they only represent a smaller portion of your portfolio. So for example, you have cybersecurity in the investment. You already had that one, but that was at about 5.84%. It is just bringing that back up through 6%. You already had that in your portfolio.\n\nSame with Osha's Europe. You already had it in your portfolio, but about 6.03%. Just increasing that up to about 9%. We've then taken out some of the other investments, We've then taken out some of the other investments for you and introduced again, to try to keep things very diversified, we've introduced about 5% through Japan, 8% through an investment that's called Vanguard All World. You may have heard of Vanguard before.\n\nNo? No. They're they're very big. If you do research that, they are massive. But, essentially, there's 8% in this investment.\n\nAnd it does kind of invest in thousands of companies around the world, but it excludes The US because you already have pretty good exposure to The US in that iShares S and P 500. I wanna make sure you don't have too much exposure to one market either. So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well. And then you have your defensive. They have 5% in your fixed interest, and then you have 7% in gold as well to try not to stabilize things a little bit when things are fluctuating.\n\nSo that is essentially the portfolio. So some changes, but not changing everything for you. Does that kind of make sense, Daniel? Yep. Beautiful.\n\nNow if you wanted to go and have a bit more research on these investments, all the information is there for you. So in the appendix, I have included all the investment links. If you wanted to go and have a have a read over all the investments, all the information and transparency is there for you. That is just in the appendix. Yep.\n\nPerfect. Now, otherwise, when it comes to the asset allocation, like I mentioned, we are aiming at around that ninety ten split. 90% in your growth investments, 10 in the defensive. Your current portfolio is sitting at about 88.01% in growth, whereas the recommended is about 93.81. So a tiny bit more in growth, but both still very much aligning with that high growth portfolio to tryna maximize that growth for you.\n\nYep. The last thing I do wanna just let you know is just a remuneration. So like I mentioned during the under review, no changes whatsoever in regards to that fee structure for you. Stays exactly the same at that 1.65%, and there's no additional fees or charges whatsoever in regards to, obviously, this research and if you wanted to go ahead with the changes. That was essentially everything I needed to touch on.\n\nSo pretty straightforward. But do you have any questions, or what are your thoughts on on it all? Yep. Exactly. And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board.\n\nSo it gives us that flexibility. But at the same time, we don't wanna, you know, day trade your super. We do invest in investments that are very diversified and backed as well to give you that protection. Yep. Now, essentially, from here is obviously, if you wanna take some time and have a read over the documents, you are more than welcome to.\n\nOr if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally. It's the same as what you did for the annual review. It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation. And I can then let the investments team know, and we can make those couple of changes for you. Alright.\n\nBeautiful. Let me refresh. Yep. Perfect. I can see that that's come through, which is great.\n\nSo thank you so much for that. I will let the team know. We'll go ahead and make these couple of changes for you. You still have access to this document as well. So if you ever wanna go back and have a read over it, you can always click click back into the email.\n\nYou can download the documents as well. It's always there for you. If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues. Yep. Beautiful.\n\nNow do you have any questions for me otherwise before I let you go and get on with your day, Daniel? Yeah. Okay. Beautiful. If there is anything else that we can help you with at any point in time, though, any questions, don't hesitate to give us a call.\n\nOkay? Okay. Beautiful. Well, thank you so much for your time today, and I hope you enjoy the rest of your day. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey.","start":2.96,"end":3.28,"sentiment":"neutral","sentiment_score":0.046346597373485565},{"text":"Is this Daniel?","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.0391676090657711},{"text":"It's Veronica from Refugee Financial.","start":6.0,"end":8.02,"sentiment":"neutral","sentiment_score":0.10671810954809188},{"text":"How are you?","start":8.24,"end":9.059999,"sentiment":"neutral","sentiment_score":0.15874200562636057},{"text":"Good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.4311894178390503}],"sentiment":"neutral","sentiment_score":0.12345041592533772,"num_words":13,"start":2.96,"end":11.62},{"sentences":[{"text":"You got a little bit of time for me?","start":11.679999,"end":13.185,"sentiment":"neutral","sentiment_score":0.15291251324945027},{"text":"It shouldn't take too long today.","start":13.185,"end":17.745,"sentiment":"neutral","sentiment_score":-0.04391399879629413},{"text":"No.","start":17.745,"end":17.985,"sentiment":"neutral","sentiment_score":-0.05840282142162323},{"text":"That's all good.","start":17.985,"end":19.205,"sentiment":"neutral","sentiment_score":0.2379577855269114},{"text":"Now, Daniel, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.465,"end":28.76,"sentiment":"neutral","sentiment_score":0.02091251275148885}],"sentiment":"neutral","sentiment_score":0.049472125654574484,"num_words":48,"start":11.679999,"end":28.76},{"sentences":[{"text":"Yep.","start":29.619999,"end":30.02,"sentiment":"neutral","sentiment_score":0.14548087120056152},{"text":"Beautiful.","start":30.02,"end":30.52,"sentiment":"positive","sentiment_score":0.4830085039138794},{"text":"And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":30.98,"end":39.075,"sentiment":"neutral","sentiment_score":0.09618678689002991},{"text":"Yep.","start":48.595,"end":48.995003,"sentiment":"neutral","sentiment_score":0.10276668518781662},{"text":"Beautiful.","start":48.995003,"end":49.475,"sentiment":"positive","sentiment_score":0.46723055839538574}],"sentiment":"neutral","sentiment_score":0.11879066108829445,"num_words":36,"start":29.619999,"end":49.475},{"sentences":[{"text":"And how's your day been?","start":49.475,"end":50.435,"sentiment":"neutral","sentiment_score":0.1957216739654541},{"text":"Been busy?","start":50.435,"end":51.09,"sentiment":"neutral","sentiment_score":0.005700721405446528},{"text":"Lovely.","start":57.57,"end":58.07,"sentiment":"positive","sentiment_score":0.3967681527137756},{"text":"Now yeah.","start":60.05,"end":61.65,"sentiment":"neutral","sentiment_score":0.16028939187526703},{"text":"Now, Daniel, are you driving at the moment?","start":61.65,"end":63.67,"sentiment":"neutral","sentiment_score":0.005562513484619558}],"sentiment":"neutral","sentiment_score":0.09732538094330165,"num_words":18,"start":49.475,"end":63.67},{"sentences":[{"text":"No.","start":66.05,"end":66.21,"sentiment":"neutral","sentiment_score":-0.025521984323859215},{"text":"Okay.","start":66.21,"end":66.61,"sentiment":"neutral","sentiment_score":0.07015003263950348},{"text":"Perfect.","start":66.61,"end":67.035,"sentiment":"neutral","sentiment_score":0.2228086143732071},{"text":"If you have the option to do so, I have to send you an email with a recommendation to go through quickly.","start":68.875,"end":74.815,"sentiment":"neutral","sentiment_score":0.19420447674664584},{"text":"It just makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so.","start":75.19501,"end":82.22,"sentiment":"neutral","sentiment_score":0.20057281504074734}],"sentiment":"neutral","sentiment_score":0.1919476291334087,"num_words":55,"start":66.05,"end":82.22},{"sentences":[{"text":"Yes.","start":87.48,"end":87.98,"sentiment":"neutral","sentiment_score":0.053534135222435},{"text":"Okay.","start":91.16,"end":91.4,"sentiment":"neutral","sentiment_score":0.16109822690486908},{"text":"Perfect.","start":91.4,"end":91.8,"sentiment":"neutral","sentiment_score":0.27016812562942505},{"text":"So can you see the cover page where it says prepared for Daniel Lee?","start":91.8,"end":95.0,"sentiment":"neutral","sentiment_score":0.09424360415765218},{"text":"And there's, like, a photo of the Gold Coast in the background.","start":95.0,"end":99.534996,"sentiment":"neutral","sentiment_score":0.08667878403017919}],"sentiment":"neutral","sentiment_score":0.09808125359744861,"num_words":29,"start":87.48,"end":99.534996},{"sentences":[{"text":"Yeah.","start":99.994995,"end":100.314995,"sentiment":"neutral","sentiment_score":0.12491634488105774},{"text":"Perfect.","start":100.314995,"end":100.814995,"sentiment":"neutral","sentiment_score":0.2895154654979706},{"text":"Now you will see that this document is 27 pages.","start":101.674995,"end":104.814995,"sentiment":"neutral","sentiment_score":0.17783557176589965},{"text":"A lot of it is just compliance.","start":104.875,"end":106.395,"sentiment":"neutral","sentiment_score":0.2964290848800114},{"text":"It is pretty straightforward today.","start":106.395,"end":108.174995,"sentiment":"neutral","sentiment_score":0.30843688547611237}],"sentiment":"neutral","sentiment_score":0.24208231456577778,"num_words":24,"start":99.994995,"end":108.174995},{"sentences":[{"text":"But every time we do make a recommendation, we to put everything in a statement of advice for you just to make sure they fully understand everything and that you are happy with the recommendation.","start":108.715,"end":118.59,"sentiment":"neutral","sentiment_score":0.241700821689197},{"text":"But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long.","start":119.13,"end":128.13501,"sentiment":"neutral","sentiment_score":0.25492264806877735},{"text":"Now otherwise, Daniel, you will see on the cover page there my details listed.","start":130.355,"end":134.435,"sentiment":"neutral","sentiment_score":0.12036374424185071},{"text":"You'll see my authorized representative number, and I am licensed under OTU Financial.","start":134.435,"end":140.0,"sentiment":"neutral","sentiment_score":0.1059672929919683},{"text":"Now if you want to scroll to the second page for me, it should talk a little bit about the best interest duty.","start":141.42,"end":148.45999,"sentiment":"neutral","sentiment_score":0.06388717889785767}],"sentiment":"neutral","sentiment_score":0.1871349606954027,"num_words":128,"start":108.715,"end":148.45999},{"sentences":[{"text":"Can you see that?","start":148.45999,"end":149.385,"sentiment":"neutral","sentiment_score":0.04612632468342781},{"text":"Do you remember ever hearing about that before?","start":151.78499,"end":153.885,"sentiment":"neutral","sentiment_score":-0.030103235971182585},{"text":"Yeah.","start":164.105,"end":164.605,"sentiment":"neutral","sentiment_score":0.0225655734539032},{"text":"No.","start":164.86,"end":165.09999,"sentiment":"neutral","sentiment_score":-0.11452830582857132},{"text":"That's all good.","start":165.09999,"end":166.23999,"sentiment":"neutral","sentiment_score":0.069354643424352}],"sentiment":"neutral","sentiment_score":0.003516506403684616,"num_words":17,"start":148.45999,"end":166.23999},{"sentences":[{"text":"Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":166.7,"end":177.12,"sentiment":"neutral","sentiment_score":0.10135479856814657},{"text":"Otherwise, we can't actually make the recommendation.","start":177.42,"end":179.76,"sentiment":"neutral","sentiment_score":-0.19785357798848832},{"text":"Does that make sense?","start":180.395,"end":181.535,"sentiment":"neutral","sentiment_score":0.019823185168206692},{"text":"Yep.","start":183.035,"end":183.515,"sentiment":"neutral","sentiment_score":0.25657957792282104},{"text":"Beautiful.","start":183.515,"end":184.015,"sentiment":"positive","sentiment_score":0.5748286247253418}],"sentiment":"neutral","sentiment_score":0.06402383015180628,"num_words":48,"start":166.7,"end":184.015},{"sentences":[{"text":"Now I'll probably get you just to kind of scroll through with me.","start":185.19499,"end":188.955,"sentiment":"neutral","sentiment_score":0.25006093887182385},{"text":"So you will see table of contents, pretty self explanatory.","start":188.955,"end":191.935,"sentiment":"neutral","sentiment_score":0.2124944120645523},{"text":"You will then have scope of advice.","start":192.96,"end":195.7,"sentiment":"neutral","sentiment_score":0.20195393051419938},{"text":"So page three, if you can see that.","start":195.92,"end":198.34,"sentiment":"neutral","sentiment_score":0.1027140524238348},{"text":"Yep.","start":201.04001,"end":201.54001,"sentiment":"neutral","sentiment_score":0.12965407967567444}],"sentiment":"neutral","sentiment_score":0.19848154714474311,"num_words":39,"start":185.19499,"end":201.54001},{"sentences":[{"text":"But, basically, this just talks about the areas we are looking at in today's statement of advice.","start":201.6,"end":206.98,"sentiment":"neutral","sentiment_score":0.17435465227155125},{"text":"So simply today, very straightforward.","start":207.2,"end":209.595,"sentiment":"positive","sentiment_score":0.3748005867004395},{"text":"We are just looking at your superannuation, particularly your investments to see if we wanted to make any changes to any of your investments.","start":209.65501,"end":216.71501,"sentiment":"neutral","sentiment_score":0.16211563969651857},{"text":"Not making changes to insurances or anything else.","start":217.49501,"end":220.375,"sentiment":"neutral","sentiment_score":-0.020631977822631598},{"text":"Otherwise, it is literally just those super investments.","start":220.375,"end":225.08,"sentiment":"neutral","sentiment_score":0.10321501456201077}],"sentiment":"neutral","sentiment_score":0.15144309143145238,"num_words":62,"start":201.6,"end":225.08},{"sentences":[{"text":"All make sense so far?","start":225.22,"end":226.5,"sentiment":"neutral","sentiment_score":0.24968495666980745},{"text":"Yep.","start":226.5,"end":226.9,"sentiment":"neutral","sentiment_score":0.2282442152500153},{"text":"Beautiful.","start":226.9,"end":227.4,"sentiment":"positive","sentiment_score":0.5475460290908813},{"text":"Now if you want to scroll down for me through page nine.","start":228.18,"end":234.885,"sentiment":"neutral","sentiment_score":0.08228475018404424},{"text":"So what you scroll through, you'll have just some information just about you, your assets, what we went through over the annual review, just about your superannuation, your clear view policy, which then should take you to your risk profile page, which is page nine.","start":235.36499,"end":253.46,"sentiment":"neutral","sentiment_score":0.07407744038436148}],"sentiment":"neutral","sentiment_score":0.09914245073741768,"num_words":64,"start":225.22,"end":253.46},{"sentences":[{"text":"Yep.","start":253.46,"end":253.86,"sentiment":"neutral","sentiment_score":0.1667882204055786},{"text":"Perfect.","start":253.86,"end":254.36,"sentiment":"positive","sentiment_score":0.5206909775733948},{"text":"Sorry.","start":254.82,"end":255.14,"sentiment":"neutral","sentiment_score":0.04558015614748001},{"text":"We are not making any changes when it comes to your risk profile.","start":255.14,"end":258.66,"sentiment":"neutral","sentiment_score":-0.16680752314054048},{"text":"You are currently in a high growth portfolio, and you came out kind of borderline between that growth and high growth during the annual review, but the high growth is still very much suitable for you.","start":258.66,"end":269.445,"sentiment":"neutral","sentiment_score":0.13009108116643298}],"sentiment":"neutral","sentiment_score":0.06245847067867334,"num_words":52,"start":253.46,"end":269.445},{"sentences":[{"text":"You still have plenty of time until you can access the money when you retire to take advantage of those ups and downs in the market to try to grow your super as much as possible, but not making changes to your risk profile.","start":269.445,"end":282.84,"sentiment":"neutral","sentiment_score":0.15286103771491485},{"text":"Literally just changing a few of the investments around for you.","start":282.97998,"end":286.68,"sentiment":"neutral","sentiment_score":0.0638670145787976},{"text":"Yep.","start":288.58,"end":288.97998,"sentiment":"neutral","sentiment_score":0.273531049489975},{"text":"Perfect.","start":288.97998,"end":289.47998,"sentiment":"positive","sentiment_score":0.538164496421814},{"text":"Now if you wanna scroll to page 12, you should then see the actual recommendation.","start":289.78,"end":295.295,"sentiment":"neutral","sentiment_score":0.13679602444171907}],"sentiment":"neutral","sentiment_score":0.14294526017167503,"num_words":72,"start":269.445,"end":295.295},{"sentences":[{"text":"So it should say strategy recommendation at the top.","start":295.99503,"end":298.89502,"sentiment":"neutral","sentiment_score":0.1270976753698455},{"text":"Yep.","start":300.475,"end":300.875,"sentiment":"neutral","sentiment_score":0.17320172488689425},{"text":"Beautiful.","start":300.875,"end":301.375,"sentiment":"positive","sentiment_score":0.5278405547142029},{"text":"So part of the research is I also considered other super funds for you just to make sure hub twenty four is still the best option.","start":301.435,"end":308.575,"sentiment":"neutral","sentiment_score":0.18539646095954454},{"text":"There's always new products and features that comes out to the market, so it is good to kind of just go and reassess every now and then just to make sure.","start":309.16,"end":316.7,"sentiment":"neutral","sentiment_score":0.2121192394725738}],"sentiment":"neutral","sentiment_score":0.19471949656658313,"num_words":68,"start":295.99503,"end":316.7},{"sentences":[{"text":"There's nothing tying us, obviously, to hub 24, so it is good to do the research just to make sure it's the best option for you.","start":316.76,"end":323.42,"sentiment":"neutral","sentiment_score":0.2004918995886468},{"text":"And after doing the yes.","start":323.825,"end":326.885,"sentiment":"neutral","sentiment_score":-0.03949136659502983},{"text":"Yes.","start":337.42502,"end":337.92502,"sentiment":"neutral","sentiment_score":0.07574228197336197},{"text":"So without having the direct comparison, I can't say, specifically, but part of the research that we consider is everything.","start":338.19,"end":347.23,"sentiment":"neutral","sentiment_score":-0.004426446929574013},{"text":"So we look at a bunch of different super funds to determine what's the best for you.","start":347.23,"end":354.645,"sentiment":"neutral","sentiment_score":0.1244129517718273}],"sentiment":"neutral","sentiment_score":0.10315313159177701,"num_words":69,"start":316.76,"end":354.645},{"sentences":[{"text":"Now often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always.","start":354.705,"end":363.04498,"sentiment":"neutral","sentiment_score":0.06264942105520856},{"text":"But where the kind of the big difference is that it's very limited when it comes through the investment choices.","start":363.53998,"end":369.72,"sentiment":"neutral","sentiment_score":-0.2390721520408988},{"text":"So we can't then construct the same kind of portfolio and give you the same returns as you can in something like HUB24 Because with HUB24, you have, like, hundreds of different options to choose from.","start":370.41998,"end":383.035,"sentiment":"neutral","sentiment_score":-0.05279640817186899},{"text":"Whereas, like, MindSuper or AustralianSuper or with Australian Retirement Trust Receiver, for any of them, if you ever have a look at their, like, investment menu, it's very limited.","start":383.175,"end":391.36166,"sentiment":"neutral","sentiment_score":-0.10490830274748392},{"text":"Sometimes there's, like, 10, it's very limited.","start":391.36166,"end":394.67,"sentiment":"neutral","sentiment_score":-0.1449988612106868}],"sentiment":"neutral","sentiment_score":-0.08211543228019748,"num_words":114,"start":354.705,"end":394.67},{"sentences":[{"text":"Sometimes there's, like, ten, fifteen, maybe 20 options max, whereas hub 24, there's hundreds.","start":394.89,"end":400.75,"sentiment":"neutral","sentiment_score":-0.044104511849582195},{"text":"So because of that, it gives us a lot more flexibility in changing investments and putting together your portfolio.","start":401.13,"end":408.525,"sentiment":"neutral","sentiment_score":0.2102673156677108},{"text":"So often, it becomes a lot more competitive because you can't, like, achieve the same kind of diversification and outcome in the industry funds.","start":409.14502,"end":419.49,"sentiment":"neutral","sentiment_score":0.22253193240612745},{"text":"Funds.","start":419.49,"end":419.65,"sentiment":"neutral","sentiment_score":0.04990073665976525},{"text":"So that is something that I looked at now when I did the research for you as well.","start":419.65,"end":423.27,"sentiment":"neutral","sentiment_score":0.14895833118094337}],"sentiment":"neutral","sentiment_score":0.15065174878231788,"num_words":76,"start":394.89,"end":423.27},{"sentences":[{"text":"Considered just making sure that hub twenty four was still the best option.","start":423.41,"end":427.03,"sentiment":"neutral","sentiment_score":0.16629015998198435},{"text":"And, yeah, often, it's more so because, ultimately, what grows your super and what makes a difference how you can invest the money.","start":427.33,"end":434.275,"sentiment":"neutral","sentiment_score":0.2672682618317397},{"text":"At the end of the day, like, Hub24, Mindsoup, AustralianSuper, they're just like a platform that holds your money at the end of the day.","start":434.495,"end":440.495,"sentiment":"neutral","sentiment_score":0.24376172006130217},{"text":"It's kind of what you can invest the money that into that makes your money grow, if that makes sense.","start":440.495,"end":447.28998,"sentiment":"neutral","sentiment_score":0.2273254379630089},{"text":"Yep.","start":447.28998,"end":447.78998,"sentiment":"neutral","sentiment_score":0.09512849897146224}],"sentiment":"neutral","sentiment_score":0.2322514922153659,"num_words":82,"start":423.41,"end":447.78998},{"sentences":[{"text":"And sometimes there is also certain, like, industries and stuff that do have a just like a default option that everyone goes into.","start":448.25,"end":455.61,"sentiment":"neutral","sentiment_score":0.05446270723705706},{"text":"That's not to say that that's always the best option because it's very obviously individualized what we do for you as well.","start":455.61,"end":463.065,"sentiment":"neutral","sentiment_score":0.13369756666096774},{"text":"Does that answer that question for you, Daniel?","start":464.805,"end":466.905,"sentiment":"neutral","sentiment_score":0.11880347784608603},{"text":"Yep.","start":468.485,"end":468.985,"sentiment":"neutral","sentiment_score":0.13151530921459198},{"text":"Yep.","start":469.285,"end":469.785,"sentiment":"neutral","sentiment_score":0.15576954185962677}],"sentiment":"neutral","sentiment_score":0.09875820739702745,"num_words":55,"start":448.25,"end":469.785},{"sentences":[{"text":"No.","start":469.925,"end":470.245,"sentiment":"neutral","sentiment_score":-0.04984071850776672},{"text":"That's all good.","start":470.245,"end":471.305,"sentiment":"neutral","sentiment_score":0.19518489887317023},{"text":"But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation.","start":471.72998,"end":483.66998,"sentiment":"neutral","sentiment_score":0.050580759067088366},{"text":"And like I said, I have recommended right now that you do stay in Hub twenty four and just change some of your investments around.","start":484.05,"end":491.33502,"sentiment":"neutral","sentiment_score":0.12091253399848938},{"text":"I do use Hub twenty four for my personal super as well.","start":491.33502,"end":494.795,"sentiment":"neutral","sentiment_score":0.11179225891828537}],"sentiment":"neutral","sentiment_score":0.09154051723147648,"num_words":69,"start":469.925,"end":494.795},{"sentences":[{"text":"And if it wasn't the best option for you, I wouldn't recommend it, and I wouldn't use it myself either.","start":495.015,"end":500.47,"sentiment":"neutral","sentiment_score":-0.2786787964403629},{"text":"Yeah.","start":504.21,"end":504.61,"sentiment":"positive","sentiment_score":0.33456987142562866},{"text":"All good.","start":504.61,"end":505.35,"sentiment":"positive","sentiment_score":0.45060308277606964},{"text":"Now if you can scroll down to page 15 for me, it kind of summarizes the recommendation in a nice little table.","start":505.57,"end":513.955,"sentiment":"neutral","sentiment_score":0.20989851518110794},{"text":"Yep.","start":518.095,"end":518.575,"sentiment":"neutral","sentiment_score":0.1708785742521286}],"sentiment":"neutral","sentiment_score":0.009801000356674194,"num_words":46,"start":495.015,"end":518.575},{"sentences":[{"text":"Perfect.","start":518.575,"end":519.055,"sentiment":"positive","sentiment_score":0.3632040023803711},{"text":"So what you can see here is, like, basically, the pages that you scroll through, it talks about advantages and risks and disadvantages to be mindful of.","start":519.055,"end":527.87,"sentiment":"neutral","sentiment_score":0.12153827757747085},{"text":"But I find that looking at this table sometimes makes it a little bit easier.","start":527.93,"end":532.02997,"sentiment":"neutral","sentiment_score":0.22039887309074402},{"text":"So you can see here that with, obviously, contributions the same, insurance is the same, fees the same, By changing some of your investments around, it is saving you about $459 per year, which does add up when you do compound things.","start":532.64996,"end":551.725,"sentiment":"neutral","sentiment_score":0.26190586139758426},{"text":"So that is literally just changing some of the investments, which I thought was pretty good.","start":551.725,"end":555.77,"sentiment":"positive","sentiment_score":0.41243880800902843}],"sentiment":"neutral","sentiment_score":0.24306720495224,"num_words":101,"start":518.575,"end":555.77},{"sentences":[{"text":"Now when it comes through the performance, so you can see here that both are high growth portfolio.","start":557.67,"end":564.81,"sentiment":"neutral","sentiment_score":0.2390961746374766},{"text":"You can then also see the five year rolling average.","start":565.485,"end":569.105,"sentiment":"neutral","sentiment_score":0.18987087905406952},{"text":"So you can see that the recommended portfolio has outperformed your current loan by quite a bit.","start":569.96497,"end":577.96497,"sentiment":"neutral","sentiment_score":0.3138682395219803},{"text":"Now, obviously, you can't guarantee performance.","start":577.96497,"end":580.385,"sentiment":"neutral","sentiment_score":0.013750251072148481},{"text":"You can't guarantee what's going to happen in the market, but that is why we use a five year rolling average when we are projecting things for you.","start":580.445,"end":589.61005,"sentiment":"neutral","sentiment_score":0.08037180972418614}],"sentiment":"neutral","sentiment_score":0.17558369853922837,"num_words":79,"start":557.67,"end":589.61005},{"sentences":[{"text":"Because using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty of what has happened to the portfolio and the market as well.","start":589.91003,"end":600.945,"sentiment":"neutral","sentiment_score":0.19133800395897457},{"text":"Does that make sense, Daniel?","start":601.40497,"end":602.865,"sentiment":"neutral","sentiment_score":0.13255340605974197},{"text":"Yep.","start":604.765,"end":605.265,"sentiment":"neutral","sentiment_score":0.17957763373851776},{"text":"So the the recommended is performing a bit better.","start":605.965,"end":610.145,"sentiment":"neutral","sentiment_score":0.21793940787514052},{"text":"It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years.","start":610.205,"end":618.88,"sentiment":"positive","sentiment_score":0.46312799166750024}],"sentiment":"neutral","sentiment_score":0.28578032790259883,"num_words":77,"start":589.91003,"end":618.88},{"sentences":[{"text":"You can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you.","start":619.26,"end":629.395,"sentiment":"positive","sentiment_score":0.4010778810038711},{"text":"Yep.","start":632.65497,"end":633.15497,"sentiment":"neutral","sentiment_score":0.1490926444530487},{"text":"Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62.","start":633.21497,"end":643.02997,"sentiment":"neutral","sentiment_score":0.0276850579178025},{"text":"Can you see that?","start":643.02997,"end":644.08997,"sentiment":"neutral","sentiment_score":0.016118676867336035},{"text":"Yep.","start":645.67,"end":645.99,"sentiment":"neutral","sentiment_score":0.028319962322711945}],"sentiment":"neutral","sentiment_score":0.21000476569101653,"num_words":68,"start":619.26,"end":645.99},{"sentences":[{"text":"So, basically, what this is is the estimated capital gains tax.","start":645.99,"end":650.73,"sentiment":"neutral","sentiment_score":0.005633311176841909},{"text":"So when we do sell investments, there are sometimes capital gains tax to be paid when you're selling an investment.","start":651.185,"end":657.765,"sentiment":"neutral","sentiment_score":0.025530085898935795},{"text":"Similar to, like, if you were to sell an investment property, the same does kind of take place within the super environment.","start":658.625,"end":666.54,"sentiment":"neutral","sentiment_score":0.060829143547876316},{"text":"So it is kind of separating that you don't have to pay for anything personally.","start":667.5,"end":671.18,"sentiment":"neutral","sentiment_score":0.09063834324479103},{"text":"It's not like you have to declare anything on your tax return, but it does take place within the super environment as well.","start":671.18,"end":678.16,"sentiment":"neutral","sentiment_score":0.08762093212293542}],"sentiment":"neutral","sentiment_score":0.058084240510732264,"num_words":91,"start":645.99,"end":678.16},{"sentences":[{"text":"So we obviously wanna minimize that as much as possible.","start":678.3,"end":681.495,"sentiment":"neutral","sentiment_score":0.03967904485762119},{"text":"And if I were to sell all your investments, like, change everything, the estimated capital gains tax would have been about 1,814.","start":681.495,"end":691.115,"sentiment":"neutral","sentiment_score":-0.005918275120414116},{"text":"So, obviously, we wanna minimize that by still making sure we change out any investments necessary.","start":691.575,"end":694.4436,"sentiment":"neutral","sentiment_score":0.011063991347327828},{"text":"So it's estimated necessary.","start":694.4436,"end":697.51,"sentiment":"neutral","sentiment_score":0.016910156467929482},{"text":"So it's estimated it'll just be about $62.","start":697.57,"end":700.29,"sentiment":"neutral","sentiment_score":0.028296983567997813}],"sentiment":"neutral","sentiment_score":0.01229381253166745,"num_words":60,"start":678.3,"end":700.29},{"sentences":[{"text":"So it's not too much, but something I do wanna let you know.","start":700.29,"end":705.19,"sentiment":"neutral","sentiment_score":0.032753804698586464},{"text":"Yep.","start":705.49,"end":705.97,"sentiment":"neutral","sentiment_score":0.18979483842849731},{"text":"Beautiful.","start":705.97,"end":706.47,"sentiment":"positive","sentiment_score":0.39616483449935913},{"text":"Now, obviously, prices can change, obviously, with the market, but it will be around that 62, which is pretty good.","start":706.69,"end":714.055,"sentiment":"neutral","sentiment_score":0.25311053097248076},{"text":"Yep.","start":715.795,"end":716.295,"sentiment":"neutral","sentiment_score":0.06552930176258087}],"sentiment":"neutral","sentiment_score":0.17054164042282435,"num_words":36,"start":700.29,"end":716.295},{"sentences":[{"text":"Any questions in regards to that?","start":716.355,"end":718.03503,"sentiment":"neutral","sentiment_score":0.046987506871422134},{"text":"Oh, that's pretty straightforward.","start":718.03503,"end":719.415,"sentiment":"neutral","sentiment_score":0.17171651870012283},{"text":"Yep.","start":721.795,"end":722.295,"sentiment":"neutral","sentiment_score":0.18247053027153015},{"text":"Perfect.","start":722.435,"end":722.935,"sentiment":"positive","sentiment_score":0.38730424642562866},{"text":"Yeah.","start":724.73,"end":724.75665,"sentiment":"neutral","sentiment_score":0.21731607615947723}],"sentiment":"neutral","sentiment_score":0.1350678437604354,"num_words":13,"start":716.355,"end":724.75665},{"sentences":[{"text":"Perfect.","start":724.75665,"end":724.7833,"sentiment":"neutral","sentiment_score":0.3289376497268677},{"text":"Now if you then can scroll down for me to page 17, you should have a investment table.","start":724.7833,"end":729.62994,"sentiment":"neutral","sentiment_score":0.12783198555310568},{"text":"Yep.","start":736.17,"end":736.67,"sentiment":"neutral","sentiment_score":0.1144137680530548},{"text":"So this kind of outlines what the changes are that I have recommended for you when it comes to the investment.","start":736.73,"end":743.195,"sentiment":"neutral","sentiment_score":0.18801702558994293},{"text":"This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment.","start":743.65497,"end":749.915,"sentiment":"neutral","sentiment_score":0.021871343763037163}],"sentiment":"neutral","sentiment_score":0.11387070250653085,"num_words":63,"start":724.75665,"end":749.915},{"sentences":[{"text":"You then have the kind of special little code.","start":750.855,"end":753.27496,"sentiment":"neutral","sentiment_score":0.12660047163565954},{"text":"You have current weight, so how much you currently have invested in each option, what that looks like from a dollar value, and then you have the buy and sell column.","start":753.735,"end":764.18,"sentiment":"neutral","sentiment_score":0.1172198244640904},{"text":"So this one here, whatever is highlighted in red is either what we are selling or just reducing your exposure to a little bit.","start":764.64,"end":774.41504,"sentiment":"neutral","sentiment_score":0.10235777233416836},{"text":"Black is what we are either increasing exposure to or adding to your portfolio.","start":775.755,"end":781.215,"sentiment":"neutral","sentiment_score":0.18055003029959543},{"text":"And then you also have the target way again and the balance.","start":781.87,"end":785.81,"sentiment":"neutral","sentiment_score":0.14478707003096739}],"sentiment":"neutral","sentiment_score":0.1277216733743747,"num_words":90,"start":750.855,"end":785.81},{"sentences":[{"text":"Now when it comes to the actual portfolio, how we put together everything hasn't changed.","start":786.11005,"end":791.95,"sentiment":"neutral","sentiment_score":0.10670960843563079},{"text":"It's still very much using that core satellite approach to investing.","start":791.95,"end":796.05005,"sentiment":"neutral","sentiment_score":0.18646215850656683},{"text":"Do you remember ever hearing about that before, or do you know much about what that looks like, Daniel?","start":796.43,"end":802.105,"sentiment":"neutral","sentiment_score":0.05172074625366613},{"text":"No.","start":804.245,"end":804.725,"sentiment":"neutral","sentiment_score":-0.08294928073883057},{"text":"So, basically, what it means is that we invest majority of the funds in the core, which essentially represents the backbone of the portfolio.","start":804.725,"end":812.84,"sentiment":"neutral","sentiment_score":0.10125907665739457}],"sentiment":"neutral","sentiment_score":0.09973843725664275,"num_words":70,"start":786.11005,"end":812.84},{"sentences":[{"text":"These are kind of like your passive index funds that have done really well in the past and are very diversified.","start":813.94,"end":819.0,"sentiment":"neutral","sentiment_score":0.21976787135714576},{"text":"So these are, like, your biggest holdings.","start":819.7,"end":821.8,"sentiment":"neutral","sentiment_score":0.19904479597296035},{"text":"So for example, you have 35% in iShares S and P five hundred.","start":822.42,"end":828.77496,"sentiment":"neutral","sentiment_score":0.17710589101681343},{"text":"You already had 28% in this investment.","start":828.995,"end":831.415,"sentiment":"neutral","sentiment_score":0.20513114120279038},{"text":"It's just increasing the exposure a little bit.","start":831.475,"end":834.21497,"sentiment":"neutral","sentiment_score":0.09756527841091156}],"sentiment":"neutral","sentiment_score":0.18798670837921755,"num_words":56,"start":813.94,"end":834.21497},{"sentences":[{"text":"Now with this one investment, it is essentially investing in the 500 largest companies listed in The US.","start":834.675,"end":843.02,"sentiment":"neutral","sentiment_score":0.16652272641658783},{"text":"So, obviously, a very diversified investment because you have 500 different companies and, obviously, very big.","start":843.32,"end":849.66,"sentiment":"neutral","sentiment_score":0.2752225147560239},{"text":"So if something would happen to one company, it won't impact things as much because you do have very diversified.","start":849.72003,"end":855.115,"sentiment":"neutral","sentiment_score":0.26115710809826853},{"text":"So that's why that one is part of your core investment.","start":855.975,"end":859.115,"sentiment":"neutral","sentiment_score":0.3234851224855943},{"text":"Now we also then wanna make sure we have some Australian exposure.","start":860.215,"end":863.915,"sentiment":"neutral","sentiment_score":0.16291944061716399}],"sentiment":"neutral","sentiment_score":0.2355517027052966,"num_words":77,"start":834.675,"end":863.915},{"sentences":[{"text":"Now in your current portfolio, you had Benelon Australian equity in the portfolio.","start":864.375,"end":869.39,"sentiment":"neutral","sentiment_score":0.1724069187274346},{"text":"This is the one I kind of talked about a little bit during the under review that I wanted to do some research and potentially switch out for you if you remember.","start":869.85004,"end":877.07,"sentiment":"neutral","sentiment_score":0.14841820346191525},{"text":"Yep.","start":878.89,"end":879.345,"sentiment":"neutral","sentiment_score":0.06984465569257736},{"text":"So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred.","start":879.425,"end":886.56494,"sentiment":"neutral","sentiment_score":0.08756099417805671},{"text":"This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX.","start":887.665,"end":893.76495,"sentiment":"neutral","sentiment_score":0.1598129388358858}],"sentiment":"neutral","sentiment_score":0.13914726062544755,"num_words":84,"start":864.375,"end":893.76495},{"sentences":[{"text":"So you will have, like, Commonwealth and BHP, Woolworths, all the big companies again, but in Australia, because we wanna make sure we diversify things.","start":894.27997,"end":902.76,"sentiment":"neutral","sentiment_score":0.23988894045352935},{"text":"We don't want just just everything in The US or everything in Australia.","start":902.76,"end":906.53503,"sentiment":"neutral","sentiment_score":0.034170468839315266},{"text":"We wanna keep things very diversified across the different markets to protect you as well.","start":906.53503,"end":910.875,"sentiment":"neutral","sentiment_score":0.3285917560259501},{"text":"Does that make sense?","start":910.935,"end":911.995,"sentiment":"neutral","sentiment_score":0.1805291660130024},{"text":"Yep.","start":913.175,"end":913.495,"sentiment":"neutral","sentiment_score":0.2248515784740448}],"sentiment":"neutral","sentiment_score":0.21236696877870068,"num_words":58,"start":894.27997,"end":913.495},{"sentences":[{"text":"Yep.","start":913.495,"end":913.895,"sentiment":"positive","sentiment_score":0.3348335921764374},{"text":"Beautiful.","start":913.895,"end":914.395,"sentiment":"positive","sentiment_score":0.6852995753288269},{"text":"Then you have what we call your satellite investments.","start":914.695,"end":918.555,"sentiment":"neutral","sentiment_score":0.19905496885379156},{"text":"Now these can be a little bit more like dynamic and specialized.","start":918.855,"end":922.69,"sentiment":"neutral","sentiment_score":0.17366013675928116},{"text":"They tend to target specific, you know, sectors, regions, or assets, and that is what's going to maximize the growth for you.","start":923.23,"end":931.97,"sentiment":"neutral","sentiment_score":0.33302500437606464}],"sentiment":"neutral","sentiment_score":0.27160221387942635,"num_words":45,"start":913.495,"end":931.97},{"sentences":[{"text":"But they can be a little bit more volatile, and that is why they only represent a smaller portion of your portfolio.","start":932.02997,"end":939.28503,"sentiment":"neutral","sentiment_score":-0.0433196753940799},{"text":"So for example, you have cybersecurity in the investment.","start":940.385,"end":945.765,"sentiment":"neutral","sentiment_score":0.148136662112342},{"text":"You already had that one, but that was at about 5.84%.","start":946.22504,"end":950.085,"sentiment":"neutral","sentiment_score":0.16565238481218164},{"text":"It is just bringing that back up through 6%.","start":950.48004,"end":953.04004,"sentiment":"neutral","sentiment_score":0.278270916806327},{"text":"You already had that in your portfolio.","start":953.04004,"end":954.82,"sentiment":"neutral","sentiment_score":0.18119307713849203}],"sentiment":"neutral","sentiment_score":0.10302005387071905,"num_words":58,"start":932.02997,"end":954.82},{"sentences":[{"text":"Same with Osha's Europe.","start":956.0,"end":958.16003,"sentiment":"neutral","sentiment_score":0.15741566196084023},{"text":"You already had it in your portfolio, but about 6.03%.","start":958.16003,"end":962.58,"sentiment":"neutral","sentiment_score":0.13652001842856407},{"text":"Just increasing that up to about 9%.","start":962.88,"end":964.448,"sentiment":"neutral","sentiment_score":0.2495746612548828},{"text":"We've then taken out some of the other investments, We've then taken out some of the other investments for you and introduced again, to try to keep things very diversified, we've introduced about 5% through Japan, 8% through an investment that's called Vanguard All World.","start":964.448,"end":982.98,"sentiment":"neutral","sentiment_score":0.1697830913795365},{"text":"You may have heard of Vanguard before.","start":983.04,"end":984.82,"sentiment":"neutral","sentiment_score":0.016257520765066147}],"sentiment":"neutral","sentiment_score":0.1574784550458601,"num_words":73,"start":956.0,"end":984.82},{"sentences":[{"text":"No?","start":988.0,"end":988.5,"sentiment":"neutral","sentiment_score":-0.11667037010192872},{"text":"No.","start":988.56,"end":989.06,"sentiment":"neutral","sentiment_score":-0.1674589961767197},{"text":"They're they're very big.","start":989.44,"end":990.56,"sentiment":"neutral","sentiment_score":-0.13218040950596333},{"text":"If you do research that, they are massive.","start":990.56,"end":992.66,"sentiment":"neutral","sentiment_score":-0.0517100440338254},{"text":"But, essentially, there's 8% in this investment.","start":993.435,"end":996.175,"sentiment":"neutral","sentiment_score":0.035821037366986275}],"sentiment":"neutral","sentiment_score":-0.046465909285914334,"num_words":21,"start":988.0,"end":996.175},{"sentences":[{"text":"And it does kind of invest in thousands of companies around the world, but it excludes The US because you already have pretty good exposure to The US in that iShares S and P 500.","start":997.195,"end":1009.13,"sentiment":"neutral","sentiment_score":0.05052112298352378},{"text":"I wanna make sure you don't have too much exposure to one market either.","start":1009.35004,"end":1012.73004,"sentiment":"neutral","sentiment_score":0.0723303561764104},{"text":"So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well.","start":1012.79004,"end":1019.77,"sentiment":"positive","sentiment_score":0.556463923143304},{"text":"And then you have your defensive.","start":1021.19495,"end":1023.375,"sentiment":"neutral","sentiment_score":0.1675436794757843},{"text":"They have 5% in your fixed interest, and then you have 7% in gold as well to try not to stabilize things a little bit when things are fluctuating.","start":1023.51495,"end":1032.815,"sentiment":"neutral","sentiment_score":0.1627730048935989}],"sentiment":"neutral","sentiment_score":0.19911414712110412,"num_words":107,"start":997.195,"end":1032.815},{"sentences":[{"text":"So that is essentially the portfolio.","start":1033.66,"end":1035.68,"sentiment":"neutral","sentiment_score":0.12851530561844507},{"text":"So some changes, but not changing everything for you.","start":1035.74,"end":1039.26,"sentiment":"neutral","sentiment_score":0.07600399272309409},{"text":"Does that kind of make sense, Daniel?","start":1039.26,"end":1041.04,"sentiment":"neutral","sentiment_score":0.10300862895590919},{"text":"Yep.","start":1042.7,"end":1043.02,"sentiment":"neutral","sentiment_score":0.26226580142974854},{"text":"Beautiful.","start":1043.02,"end":1043.52,"sentiment":"positive","sentiment_score":0.6647850275039673}],"sentiment":"neutral","sentiment_score":0.12930162499348322,"num_words":24,"start":1033.66,"end":1043.52},{"sentences":[{"text":"Now if you wanted to go and have a bit more research on these investments, all the information is there for you.","start":1043.9,"end":1049.915,"sentiment":"neutral","sentiment_score":0.27097582072019577},{"text":"So in the appendix, I have included all the investment links.","start":1049.915,"end":1053.535,"sentiment":"neutral","sentiment_score":0.18928618864579635},{"text":"If you wanted to go and have a have a read over all the investments, all the information and transparency is there for you.","start":1053.755,"end":1059.93,"sentiment":"neutral","sentiment_score":0.17822077622016272},{"text":"That is just in the appendix.","start":1060.0901,"end":1061.63,"sentiment":"neutral","sentiment_score":0.0821333813170592},{"text":"Yep.","start":1064.01,"end":1064.4901,"sentiment":"neutral","sentiment_score":0.2684914767742157}],"sentiment":"neutral","sentiment_score":0.20440947695169598,"num_words":64,"start":1043.9,"end":1064.4901},{"sentences":[{"text":"Perfect.","start":1064.4901,"end":1064.9901,"sentiment":"positive","sentiment_score":0.543057918548584},{"text":"Now, otherwise, when it comes to the asset allocation, like I mentioned, we are aiming at around that ninety ten split.","start":1065.13,"end":1072.845,"sentiment":"neutral","sentiment_score":0.13564890906924293},{"text":"90% in your growth investments, 10 in the defensive.","start":1073.245,"end":1077.025,"sentiment":"neutral","sentiment_score":0.16631115393506157},{"text":"Your current portfolio is sitting at about 88.01% in growth, whereas the recommended is about 93.81.","start":1077.725,"end":1086.5399,"sentiment":"neutral","sentiment_score":0.19307434186339378},{"text":"So a tiny bit more in growth, but both still very much aligning with that high growth portfolio to tryna maximize that growth for you.","start":1086.5399,"end":1094.96,"sentiment":"positive","sentiment_score":0.3676158457994461}],"sentiment":"neutral","sentiment_score":0.23844543068359295,"num_words":72,"start":1064.4901,"end":1094.96},{"sentences":[{"text":"Yep.","start":1096.86,"end":1097.36,"sentiment":"neutral","sentiment_score":0.19066181778907776},{"text":"The last thing I do wanna just let you know is just a remuneration.","start":1097.58,"end":1101.365,"sentiment":"neutral","sentiment_score":0.18614188794578826},{"text":"So like I mentioned during the under review, no changes whatsoever in regards to that fee structure for you.","start":1101.665,"end":1107.525,"sentiment":"neutral","sentiment_score":0.22291565725677892},{"text":"Stays exactly the same at that 1.65%, and there's no additional fees or charges whatsoever in regards to, obviously, this research and if you wanted to go ahead with the changes.","start":1107.665,"end":1118.64,"sentiment":"positive","sentiment_score":0.3384772096910784},{"text":"That was essentially everything I needed to touch on.","start":1119.6599,"end":1122.46,"sentiment":"positive","sentiment_score":0.38509151339530945}],"sentiment":"neutral","sentiment_score":0.28365760618770447,"num_words":74,"start":1096.86,"end":1122.46},{"sentences":[{"text":"So pretty straightforward.","start":1122.46,"end":1123.6,"sentiment":"positive","sentiment_score":0.4268592298030853},{"text":"But do you have any questions, or what are your thoughts on on it all?","start":1124.14,"end":1128.075,"sentiment":"neutral","sentiment_score":0.12410898605982462},{"text":"Yep.","start":1133.115,"end":1133.615,"sentiment":"neutral","sentiment_score":0.061512213200330734},{"text":"Exactly.","start":1137.595,"end":1138.095,"sentiment":"neutral","sentiment_score":0.048998117446899414},{"text":"And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board.","start":1138.235,"end":1156.65,"sentiment":"neutral","sentiment_score":0.22623775490153003}],"sentiment":"neutral","sentiment_score":0.2122593781204669,"num_words":91,"start":1122.46,"end":1156.65},{"sentences":[{"text":"So it gives us that flexibility.","start":1156.8049,"end":1158.505,"sentiment":"neutral","sentiment_score":0.23455453167359033},{"text":"But at the same time, we don't wanna, you know, day trade your super.","start":1158.725,"end":1161.765,"sentiment":"neutral","sentiment_score":0.0748960091067212},{"text":"We do invest in investments that are very diversified and backed as well to give you that protection.","start":1161.765,"end":1168.4249,"sentiment":"neutral","sentiment_score":0.14311805408861902},{"text":"Yep.","start":1172.085,"end":1172.37,"sentiment":"neutral","sentiment_score":0.2392634004354477},{"text":"Now, essentially, from here is obviously, if you wanna take some time and have a read over the documents, you are more than welcome to.","start":1174.21,"end":1181.59,"sentiment":"neutral","sentiment_score":0.1851246464252472}],"sentiment":"neutral","sentiment_score":0.1546777476905845,"num_words":64,"start":1156.8049,"end":1181.59},{"sentences":[{"text":"Or if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally.","start":1182.29,"end":1191.055,"sentiment":"neutral","sentiment_score":0.1852408218383789},{"text":"It's the same as what you did for the annual review.","start":1191.055,"end":1193.395,"sentiment":"neutral","sentiment_score":0.2335070710290562},{"text":"It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1193.775,"end":1199.7151,"sentiment":"neutral","sentiment_score":0.3143394223668359},{"text":"And I can then let the investments team know, and we can make those couple of changes for you.","start":1200.52,"end":1205.42,"sentiment":"neutral","sentiment_score":0.21044335161384783},{"text":"Alright.","start":1209.88,"end":1210.36,"sentiment":"neutral","sentiment_score":0.151658833026886}],"sentiment":"neutral","sentiment_score":0.2341685658081984,"num_words":78,"start":1182.29,"end":1210.36},{"sentences":[{"text":"Beautiful.","start":1210.36,"end":1210.86,"sentiment":"positive","sentiment_score":0.41634052991867065},{"text":"Let me refresh.","start":1210.92,"end":1211.98,"sentiment":"neutral","sentiment_score":0.2343246986468633},{"text":"Yep.","start":1215.9349,"end":1216.335,"sentiment":"neutral","sentiment_score":0.25925174355506897},{"text":"Perfect.","start":1216.335,"end":1216.815,"sentiment":"positive","sentiment_score":0.45656394958496094},{"text":"I can see that that's come through, which is great.","start":1216.815,"end":1219.375,"sentiment":"positive","sentiment_score":0.5142592459917068}],"sentiment":"positive","sentiment_score":0.43610767368227243,"num_words":16,"start":1210.36,"end":1219.375},{"sentences":[{"text":"So thank you so much for that.","start":1219.375,"end":1220.735,"sentiment":"positive","sentiment_score":0.6017636188438961},{"text":"I will let the team know.","start":1220.735,"end":1221.9349,"sentiment":"positive","sentiment_score":0.4179502824942271},{"text":"We'll go ahead and make these couple of changes for you.","start":1221.9349,"end":1224.595,"sentiment":"positive","sentiment_score":0.3897971510887146},{"text":"You still have access to this document as well.","start":1224.735,"end":1227.3301,"sentiment":"neutral","sentiment_score":0.2892853418986003},{"text":"So if you ever wanna go back and have a read over it, you can always click click back into the email.","start":1227.3301,"end":1232.85,"sentiment":"neutral","sentiment_score":0.21226869320327585}],"sentiment":"neutral","sentiment_score":0.3323871821165085,"num_words":55,"start":1219.375,"end":1232.85},{"sentences":[{"text":"You can download the documents as well.","start":1232.85,"end":1234.79,"sentiment":"neutral","sentiment_score":0.2537370238985334},{"text":"It's always there for you.","start":1234.93,"end":1236.05,"sentiment":"positive","sentiment_score":0.3957715809345245},{"text":"If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues.","start":1236.05,"end":1245.0549,"sentiment":"neutral","sentiment_score":0.20786760980263352},{"text":"Yep.","start":1247.115,"end":1247.5149,"sentiment":"neutral","sentiment_score":0.3319281041622162},{"text":"Beautiful.","start":1247.5149,"end":1248.0149,"sentiment":"neutral","sentiment_score":0.2157148718833923}],"sentiment":"neutral","sentiment_score":0.23813964264548343,"num_words":46,"start":1232.85,"end":1248.0149},{"sentences":[{"text":"Now do you have any questions for me otherwise before I let you go and get on with your day, Daniel?","start":1248.875,"end":1259.41,"sentiment":"neutral","sentiment_score":0.023752192611850444},{"text":"Yeah.","start":1259.41,"end":1259.81,"sentiment":"neutral","sentiment_score":0.07735572010278702},{"text":"Okay.","start":1259.81,"end":1260.21,"sentiment":"neutral","sentiment_score":0.3163444995880127},{"text":"Beautiful.","start":1260.21,"end":1260.71,"sentiment":"positive","sentiment_score":0.7279083728790283},{"text":"If there is anything else that we can help you with at any point in time, though, any questions, don't hesitate to give us a call.","start":1260.77,"end":1267.685,"sentiment":"neutral","sentiment_score":0.2973893703176425}],"sentiment":"neutral","sentiment_score":0.18705056531354786,"num_words":50,"start":1248.875,"end":1267.685},{"sentences":[{"text":"Okay?","start":1267.685,"end":1268.185,"sentiment":"neutral","sentiment_score":0.23770728707313535},{"text":"Okay.","start":1269.8451,"end":1270.245,"sentiment":"positive","sentiment_score":0.5283252000808716},{"text":"Beautiful.","start":1270.245,"end":1270.7251,"sentiment":"positive","sentiment_score":0.7841461896896362},{"text":"Well, thank you so much for your time today, and I hope you enjoy the rest of your day.","start":1270.7251,"end":1274.5851,"sentiment":"positive","sentiment_score":0.8103054134469283},{"text":"Thanks.","start":1276.245,"end":1276.745,"sentiment":"positive","sentiment_score":0.6534593105316162}],"sentiment":"positive","sentiment_score":0.7651930801246477,"num_words":23,"start":1267.685,"end":1276.745},{"sentences":[{"text":"Bye.","start":1276.805,"end":1277.305,"sentiment":"neutral","sentiment_score":-0.1130584552884102}],"sentiment":"neutral","sentiment_score":-0.1130584552884102,"num_words":1,"start":1276.805,"end":1277.305}]}}]},{"alternatives":[{"transcript":"Hi there. Yeah. Yeah. Good. Thanks. How are you? Yeah. I got time now. Yeah. Sorry. I was just in the post office. Yep. Daniel Lee. Date of birth, six the ninth ninety two. My address is 31 Muskell Circuit, Mudgee, New South Wales. No. I keep being pretty quiet because I did not see it tonight. I slept this morning. I slept in. So yeah. It's been pretty good. No. I'm pulled over at the moment. Yep. Is that the one that needs to be signed? Yep. Yeah. No worries. I've got that open. Yep. No. No worries. Yep. Yep. But I'm trying to think. Probably. I probably have. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. That's fine. Yep. I had a question with that. So is there a reason why someone like mine super wasn't recommended? Because a lot of like, that's what they recommend at work when you like, that's the automatic one they get put on. Okay. Yeah. Gotcha. Yeah. Yeah. Yeah. Yeah. It's all good. Thank you. Yeah. That sounds good then. Yep. Yep. Yeah. Sounds good. Yep. Yeah. That's fine. Yeah. No. That's all. Pretty straightforward. Yep. Yep. Yep. No. Not really. Yep. Yeah. Yep. No. I haven't. Yep. Yep. Alright. Two eighty. Yeah. No. It all sounds pretty good. Like you said, I got plenty of time to if there are if there are problems, we can sort of fix it out and Yep. Sounds good. I've just done it now. You should I've got it. Sounds good. No. It was just about yeah. When I said about the mine super early, that that was pretty much the only one I had. Sounds good. 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Yeah. Yeah. Good. Thanks.\n\nHow are you? Yeah. I got time now. Yeah. Sorry.\n\nI was just in the post office. Yep. Daniel Lee. Date of birth, six the ninth ninety two. My address is 31 Muskell Circuit, Mudgee, New South Wales.\n\nNo. I keep being pretty quiet because I did not see it tonight. I slept this morning. I slept in. So yeah.\n\nIt's been pretty good. No. I'm pulled over at the moment. Yep. Is that the one that needs to be signed?\n\nYep. Yeah. No worries. I've got that open. Yep.\n\nNo. No worries. Yep. Yep. But I'm trying to think.\n\nProbably. I probably have. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yeah. That's fine.\n\nYep. I had a question with that. So is there a reason why someone like mine super wasn't recommended? Because a lot of like, that's what they recommend at work when you like, that's the automatic one they get put on. Okay.\n\nYeah. Gotcha. Yeah. Yeah. Yeah.\n\nYeah. It's all good. Thank you. Yeah. That sounds good then.\n\nYep. Yep. Yeah. Sounds good. Yep.\n\nYeah. That's fine. Yeah. No. That's all.\n\nPretty straightforward. Yep. Yep. Yep. No.\n\nNot really. Yep. Yeah. Yep. No.\n\nI haven't. Yep. Yep. Alright. Two eighty.\n\nYeah. No. It all sounds pretty good. Like you said, I got plenty of time to if there are if there are problems, we can sort of fix it out and Yep. Sounds good.\n\nI've just done it now. You should I've got it. Sounds good. No. It was just about yeah.\n\nWhen I said about the mine super early, that that was pretty much the only one I had. Sounds good. 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on.","start":330.745,"end":336.15,"sentiment":"neutral","sentiment_score":-0.005790027874437245},{"text":"Okay.","start":379.175,"end":379.675,"sentiment":"neutral","sentiment_score":-0.024503959342837337}],"sentiment":"neutral","sentiment_score":-0.06164761424242031,"num_words":42,"start":299.485,"end":379.675},{"sentences":[{"text":"Yeah.","start":401.55002,"end":401.895,"sentiment":"neutral","sentiment_score":0.026119111105799675},{"text":"Gotcha.","start":401.97498,"end":402.47498,"sentiment":"neutral","sentiment_score":0.23410706222057345},{"text":"Yeah.","start":446.47,"end":446.97,"sentiment":"neutral","sentiment_score":0.08541863411664963},{"text":"Yeah.","start":463.945,"end":464.445,"sentiment":"neutral","sentiment_score":0.11468230187892914},{"text":"Yeah.","start":467.305,"end":467.625,"sentiment":"neutral","sentiment_score":0.18898439407348633}],"sentiment":"neutral","sentiment_score":0.12986230067908763,"num_words":5,"start":401.55002,"end":467.625},{"sentences":[{"text":"Yeah.","start":467.625,"end":467.865,"sentiment":"neutral","sentiment_score":0.30159592628479004},{"text":"It's all good.","start":467.865,"end":468.665,"sentiment":"positive","sentiment_score":0.5079999566078186},{"text":"Thank you.","start":468.665,"end":469.405,"sentiment":"positive","sentiment_score":0.5572185814380646},{"text":"Yeah.","start":501.55,"end":501.94998,"sentiment":"neutral","sentiment_score":0.18585923314094543},{"text":"That sounds good then.","start":501.94998,"end":503.25,"sentiment":"positive","sentiment_score":0.4097910374403}],"sentiment":"positive","sentiment_score":0.43318694017150183,"num_words":11,"start":467.625,"end":503.25},{"sentences":[{"text":"Yep.","start":516.935,"end":517.435,"sentiment":"neutral","sentiment_score":0.11214114725589752},{"text":"Yep.","start":552.595,"end":553.095,"sentiment":"positive","sentiment_score":0.34567737579345703},{"text":"Yeah.","start":603.625,"end":604.125,"sentiment":"neutral","sentiment_score":0.15202775597572327},{"text":"Sounds good.","start":631.34503,"end":632.085,"sentiment":"positive","sentiment_score":0.6407937407493591},{"text":"Yep.","start":644.63,"end":645.13,"sentiment":"neutral","sentiment_score":0.03365466371178627}],"sentiment":"neutral","sentiment_score":0.3208480707059304,"num_words":6,"start":516.935,"end":645.13},{"sentences":[{"text":"Yeah.","start":704.02,"end":704.26,"sentiment":"neutral","sentiment_score":0.06450992822647095},{"text":"That's fine.","start":704.26,"end":705.08,"sentiment":"neutral","sentiment_score":0.11945170536637306},{"text":"Yeah.","start":714.775,"end":715.275,"sentiment":"neutral","sentiment_score":0.10325367003679276},{"text":"No.","start":720.37,"end":720.43,"sentiment":"neutral","sentiment_score":0.0900743529200554},{"text":"That's all.","start":720.43,"end":720.55005,"sentiment":"neutral","sentiment_score":0.1335752308368683}],"sentiment":"neutral","sentiment_score":0.10912740336997169,"num_words":7,"start":704.02,"end":720.55005},{"sentences":[{"text":"Pretty straightforward.","start":720.55005,"end":721.11005,"sentiment":"neutral","sentiment_score":0.26805928349494934},{"text":"Yep.","start":735.17004,"end":735.67004,"sentiment":"neutral","sentiment_score":0.10101192444562912},{"text":"Yep.","start":750.55005,"end":751.05005,"sentiment":"neutral","sentiment_score":0.15888729691505432},{"text":"Yep.","start":776.045,"end":776.545,"sentiment":"neutral","sentiment_score":0.17158924043178558},{"text":"No.","start":802.785,"end":803.105,"sentiment":"neutral","sentiment_score":-0.09712360799312592}],"sentiment":"neutral","sentiment_score":0.1450805701315403,"num_words":6,"start":720.55005,"end":803.105},{"sentences":[{"text":"Not really.","start":803.105,"end":803.845,"sentiment":"neutral","sentiment_score":-0.07683157175779343},{"text":"Yep.","start":877.965,"end":878.465,"sentiment":"neutral","sentiment_score":0.08613714575767517},{"text":"Yeah.","start":912.66504,"end":913.16504,"sentiment":"neutral","sentiment_score":0.17228731513023376},{"text":"Yep.","start":940.795,"end":941.295,"sentiment":"neutral","sentiment_score":0.11264793574810028},{"text":"No.","start":987.105,"end":987.34503,"sentiment":"neutral","sentiment_score":-0.11479412019252776}],"sentiment":"neutral","sentiment_score":0.0171025221546491,"num_words":6,"start":803.105,"end":987.34503},{"sentences":[{"text":"I haven't.","start":987.34503,"end":988.005,"sentiment":"neutral","sentiment_score":-0.12781444564461708},{"text":"Yep.","start":1020.785,"end":1021.285,"sentiment":"neutral","sentiment_score":0.17418861389160156},{"text":"Yep.","start":1041.835,"end":1042.335,"sentiment":"neutral","sentiment_score":0.14059798419475555},{"text":"Alright.","start":1062.74,"end":1062.98,"sentiment":"neutral","sentiment_score":0.13684026896953583},{"text":"Two eighty.","start":1062.98,"end":1063.72,"sentiment":"neutral","sentiment_score":0.1510607674717903}],"sentiment":"neutral","sentiment_score":0.07115993010146278,"num_words":7,"start":987.34503,"end":1063.72},{"sentences":[{"text":"Yeah.","start":1095.8551,"end":1096.3551,"sentiment":"neutral","sentiment_score":0.1887430399656296},{"text":"No.","start":1129.065,"end":1129.225,"sentiment":"neutral","sentiment_score":0.1037079617381096},{"text":"It all sounds pretty good.","start":1129.225,"end":1130.4249,"sentiment":"positive","sentiment_score":0.40214934945106506},{"text":"Like you said, I got plenty of time to if there are if there are problems, we can sort of fix it out and Yep.","start":1130.4249,"end":1171.42,"sentiment":"neutral","sentiment_score":0.07290486492216587},{"text":"Sounds good.","start":1171.42,"end":1172.2401,"sentiment":"positive","sentiment_score":0.5053674578666687}],"sentiment":"neutral","sentiment_score":0.1510751261101926,"num_words":34,"start":1095.8551,"end":1172.2401},{"sentences":[{"text":"I've just done it now.","start":1206.2301,"end":1207.3501,"sentiment":"neutral","sentiment_score":0.16104111969470977},{"text":"You should I've got it.","start":1207.3501,"end":1220.0549,"sentiment":"neutral","sentiment_score":0.1832012340426445},{"text":"Sounds good.","start":1246.075,"end":1246.895,"sentiment":"positive","sentiment_score":0.5222709774971008},{"text":"No.","start":1254.12,"end":1254.3601,"sentiment":"neutral","sentiment_score":-0.2191045731306076},{"text":"It was just about yeah.","start":1254.3601,"end":1255.4,"sentiment":"neutral","sentiment_score":-0.16532300412654877}],"sentiment":"neutral","sentiment_score":0.09555745166209009,"num_words":18,"start":1206.2301,"end":1255.4},{"sentences":[{"text":"When I said about the mine super early, that that was pretty much the only one I had.","start":1255.4,"end":1259.02,"sentiment":"neutral","sentiment_score":-0.07696670521464613},{"text":"Sounds good.","start":1268.7749,"end":1269.595,"sentiment":"positive","sentiment_score":0.6872651875019073},{"text":"Okay.","start":1275.069,"end":1275.569,"sentiment":"positive","sentiment_score":0.3888970911502838}],"sentiment":"neutral","sentiment_score":0.018001274870974675,"num_words":21,"start":1255.4,"end":1275.569}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi there.\n\nChannel 0: Hey. Is this Daniel?\n\nChannel 1: Yeah.\n\nChannel 0: It's Veronica from Refugee Financial. How are you?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: Good. You got a little bit of time for me? It shouldn't take\n\nChannel 1: Yeah.\n\nChannel 0: too\n\nChannel 1: I got\n\nChannel 0: long\n\nChannel 1: time now. Yeah. Sorry. I was just in the post office.\n\nChannel 0: today. No. That's all good. Now, Daniel, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Daniel Lee. Date of birth, six the ninth ninety two. My address is 31 Muskell Circuit, Mudgee, New South Wales.\n\nChannel 0: Yep. Beautiful. And how's your day been? Been busy?\n\nChannel 1: No. I keep being pretty quiet because I did not see it tonight. I slept this morning. I slept in. So\n\nChannel 0: Lovely.\n\nChannel 1: yeah. It's been pretty\n\nChannel 0: Now\n\nChannel 1: good.\n\nChannel 0: yeah. Now, Daniel, are you driving at the moment?\n\nChannel 1: No. I'm pulled over at the moment.\n\nChannel 0: No. Okay. Perfect. If you have the option to do so, I have to send you an email with a recommendation to go through quickly. It just\n\nChannel 1: Yep.\n\nChannel 0: makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so.\n\nChannel 1: Is that the one that needs to be signed?\n\nChannel 0: Yes.\n\nChannel 1: Yep. Yeah. No worries. I've got that open.\n\nChannel 0: Okay. Perfect. So can you see the cover page where it says prepared for Daniel Lee? And there's, like, a photo of the Gold Coast in the\n\nChannel 1: Yep.\n\nChannel 0: background. Yeah. Perfect. Now you will see that this document is 27 pages. A lot of it is just compliance.\n\nIt is pretty straightforward today. But every time we do make a recommendation, we to put everything in a statement of advice for you just to make sure they fully understand everything and that you are happy with the recommendation. But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long.\n\nChannel 1: No. No worries.\n\nChannel 0: Now otherwise, Daniel, you will see on the cover page there my details listed. You'll see my authorized representative number, and I am licensed under OTU Financial. Now\n\nChannel 1: Yep.\n\nChannel 0: if you want to scroll to the second page for me, it should talk a little bit about the best interest duty. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Do you remember ever hearing about that before?\n\nChannel 1: But I'm trying to think. Probably. I probably have. Yeah.\n\nChannel 0: Yeah. No. That's all good. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now I'll probably get you just to kind of scroll through with me. So you will see table of contents, pretty self explanatory. You will then have scope of advice.\n\nSo page three, if you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. But, basically, this just talks about the areas we are looking at in today's statement of advice. So simply today, very straightforward. We are just looking at your superannuation, particularly your investments to see if we wanted to make any changes to any of your investments. Not making changes to insurances or anything else.\n\nOtherwise, it is literally just those super investments. All\n\nChannel 1: Yep.\n\nChannel 0: make sense so far? Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Now if you want to scroll down for me through page nine. So what you scroll through, you'll have just some information just about you, your assets, what we went through over the annual review, just about your superannuation, your clear view policy, which then should take you to your risk profile page, which is page\n\nChannel 1: Yep.\n\nChannel 0: nine. Yep. Perfect. Sorry. We are not making any changes when it comes to your risk profile.\n\nYou are currently in a high growth portfolio, and you came out kind of borderline between that growth and high growth during the annual review, but the high growth is still very much suitable for you. You still have plenty of time until you can access the money when you retire to take advantage of those ups and downs in the market to try to grow your super as much as possible, but not making changes to your risk profile. Literally just changing a few of the investments around for you.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. Now if you wanna scroll to page 12, you should then see the actual recommendation. So it should say strategy recommendation at the top.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So part of the research is I also considered other super funds for you just to make sure hub twenty four is still the best option. There's always new products and features that comes out to the market, so it is good to kind of just go and reassess every now and then just to make sure. There's nothing tying us, obviously, to hub 24, so it is good to do the research just to make sure it's the best option for you.\n\nAnd\n\nChannel 1: I\n\nChannel 0: after\n\nChannel 1: had a question with\n\nChannel 0: doing the yes.\n\nChannel 1: that. So is there a reason why someone like mine super wasn't recommended? Because a lot of like, that's what they recommend at work when you like, that's the automatic one they get put on.\n\nChannel 0: Yes. So without having the direct comparison, I can't say, specifically, but part of the research that we consider is everything. So we look at a bunch of different super funds to determine what's the best for you. Now often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always. But where the kind of the big difference is that it's very limited when it comes through the investment choices.\n\nSo we can't then construct the same kind of portfolio and give you the same returns as you can in something like HUB24 Because with\n\nChannel 1: Okay.\n\nChannel 0: HUB24, you have, like, hundreds of different options to choose from. Whereas, like, MindSuper or AustralianSuper or with Australian Retirement Trust Receiver, for any of them, if you ever have a look at their, like, investment menu, it's very limited. Sometimes there's, like, 10, it's very limited. Sometimes there's, like, ten, fifteen, maybe 20 options max, whereas hub 24, there's hundreds. So because\n\nChannel 1: Yeah.\n\nChannel 0: of that,\n\nChannel 1: Gotcha.\n\nChannel 0: it gives us a lot more flexibility in changing investments and putting together your portfolio. So often, it becomes a lot more competitive because you can't, like, achieve the same kind of diversification and outcome in the industry funds. Funds. So that is something that I looked at now when I did the research for you as well. Considered just making sure that hub twenty four was still the best option.\n\nAnd, yeah, often, it's more so because, ultimately, what grows your super and what makes a difference how you can invest the money. At the end of the day, like, Hub24, Mindsoup, AustralianSuper, they're just like a platform that holds your money at the end of the day. It's kind of what you can invest the money that into that makes your money grow, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense. Yep. And sometimes there is also certain, like, industries and stuff that do have a just like a default option that everyone goes into. That's not to say that that's always the best option because it's very obviously individualized what we do for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Does that answer that question for you, Daniel?\n\nChannel 1: Yeah. Yeah. It's all good.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: Yep. No. That's all good. But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation. And like I said, I have recommended right now that you do stay in Hub twenty four and just change some of your investments around.\n\nI do use Hub twenty four for my personal super as well. And if it wasn't the best option for you, I wouldn't recommend it, and I wouldn't use it myself either.\n\nChannel 1: Yeah. That sounds good then.\n\nChannel 0: Yeah. All good. Now if you can scroll down to page 15 for me, it kind of summarizes the recommendation in a nice little table.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So what you can see here is, like, basically, the pages that you scroll through, it talks about advantages and risks and disadvantages to be mindful of. But I find that looking at this table sometimes makes it a little bit easier. So you can see here that with, obviously, contributions the same, insurance is the same, fees the same, By changing some of your investments around, it is saving you about $459 per year, which does add up when you do compound things.\n\nSo that is literally\n\nChannel 1: Yep.\n\nChannel 0: just changing some of the investments, which I thought was pretty good. Now when it comes through the performance, so you can see here that both are high growth portfolio. You can then also see the five year rolling average. So you can see that the recommended portfolio has outperformed your current loan by quite a bit. Now, obviously, you can't guarantee performance.\n\nYou can't guarantee what's going to happen in the market, but that is why we use a five year rolling average when we are projecting things for you. Because using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty of what has happened to the portfolio and the market as well. Does that make sense, Daniel?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So the the recommended is performing a bit better. It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years. You can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you.\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So, basically, what this is is the estimated capital gains tax. So when we do sell investments, there are sometimes capital gains tax to be paid when you're selling an investment. Similar to, like, if you were to sell an investment property, the same does kind of take place within the super environment. So it is kind of separating that you don't have to pay for anything personally.\n\nIt's not like you have to declare anything on your tax return, but it does take place within the super environment as well. So we obviously wanna minimize that as much as possible. And if I were to sell all your investments, like, change everything, the estimated capital gains tax would have been about 1,814. So, obviously, we wanna minimize that by still making sure we change out any investments necessary. So it's estimated necessary.\n\nSo it's estimated it'll just be about $62. So it's not too much, but something I do wanna let you\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: know. Yep. Beautiful. Now, obviously, prices can change, obviously, with the market, but it will be around that 62, which is pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Any questions in regards to that? Oh, that's pretty straightforward.\n\nChannel 1: No. That's all. Pretty straightforward.\n\nChannel 0: Yep. Perfect. Yeah. Perfect. Now if you then can scroll down for me to page 17, you should have a investment table.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this kind of outlines what the changes are that I have recommended for you when it comes to the investment. This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment.\n\nChannel 1: Yep.\n\nChannel 0: You then have the kind of special little code. You have current weight, so how much you currently have invested in each option, what that looks like from a dollar value, and then you have the buy and sell column. So this one here, whatever is highlighted in red is either what we are selling or just reducing your exposure to a little bit. Black\n\nChannel 1: Yep.\n\nChannel 0: is what we are either increasing exposure to or adding to your portfolio. And then you also have the target way again and the balance. Now when it comes to the actual portfolio, how we put together everything hasn't changed. It's still very much using that core satellite approach to investing. Do you remember ever hearing about that before, or do you know much about what that looks like, Daniel?\n\nChannel 1: No. Not really.\n\nChannel 0: No. So, basically, what it means is that we invest majority of the funds in the core, which essentially represents the backbone of the portfolio. These are kind of like your passive index funds that have done really well in the past and are very diversified. So these are, like, your biggest holdings. So for example, you have 35% in iShares S and P five hundred.\n\nYou already had 28% in this investment. It's just increasing the exposure a little bit. Now with this one investment, it is essentially investing in the 500 largest companies listed in The US. So, obviously, a very diversified investment because you have 500 different companies and, obviously, very big. So if something would happen to one company, it won't impact things as much because you do have very diversified.\n\nSo that's why that one is part of your core investment. Now we also then wanna make sure we have some Australian exposure. Now in your current portfolio, you had Benelon Australian equity in the portfolio. This is the one I kind of talked about a little bit during the under review that I wanted to do some research and potentially switch out for you if you remember.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred. This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX. So you will have, like, Commonwealth and BHP, Woolworths, all the big companies again, but in Australia, because we wanna make sure we diversify things. We don't want just just everything in The US or everything in Australia.\n\nWe wanna keep things very diversified across the different markets to protect you as well. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Then you have what we call your satellite investments. Now these can be a little bit more like dynamic and specialized.\n\nThey tend to target specific, you know, sectors, regions, or assets, and that is what's going to maximize the growth for you. But they can be a little bit more volatile, and that is why they only represent a smaller portion of your portfolio. So for\n\nChannel 1: Yep.\n\nChannel 0: example, you have cybersecurity in the investment. You already had that one, but that was at about 5.84%. It is just bringing that back up through 6%. You already had that in your portfolio. Same with Osha's Europe.\n\nYou already had it in your portfolio, but about 6.03%. Just increasing that up to about 9%. We've then taken out some of the other investments, We've then taken out some of the other investments for you and introduced again, to try to keep things very diversified, we've introduced about 5% through Japan, 8% through an investment that's called Vanguard All World. You may have heard of Vanguard before.\n\nChannel 1: No. I haven't.\n\nChannel 0: No? No. They're they're very big. If you do research that, they are massive. But, essentially, there's 8% in this investment.\n\nAnd it does kind of invest in thousands of companies around the world, but it excludes The US because you already have pretty good exposure to The US in that iShares S and P 500. I wanna make sure you don't have too much exposure to one market either. So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well.\n\nChannel 1: Yep.\n\nChannel 0: And then you have your defensive. They have 5% in your fixed interest, and then you have 7% in gold as well to try not to stabilize things a little bit when things are fluctuating. So that is essentially the portfolio. So some changes, but not changing everything for you. Does that kind of make sense, Daniel?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now if you wanted to go and have a bit more research on these investments, all the information is there for you. So in the appendix, I have included all the investment links. If you wanted to go and have a have a read over all the investments, all the information and transparency is there for you.\n\nThat is just in the appendix.\n\nChannel 1: Alright. Two eighty.\n\nChannel 0: Yep. Perfect. Now, otherwise, when it comes to the asset allocation, like I mentioned, we are aiming at around that ninety ten split. 90% in your growth investments, 10 in the defensive. Your current portfolio is sitting at about 88.01% in growth, whereas the recommended is about 93.81.\n\nSo a tiny bit more in growth, but both still very much aligning with that high growth portfolio to tryna maximize that growth for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. The last thing I do wanna just let you know is just a remuneration. So like I mentioned during the under review, no changes whatsoever in regards to that fee structure for you. Stays exactly the same at that 1.65%, and there's no additional fees or charges whatsoever in regards to, obviously, this research and if you wanted to go ahead with the changes. That was essentially everything I needed to touch on.\n\nSo pretty straightforward. But do you have any questions, or what are your thoughts on on it all?\n\nChannel 1: No. It all sounds pretty good. Like you said, I got plenty of time to\n\nChannel 0: Yep.\n\nChannel 1: if there are if there are problems, we can sort of fix it out and\n\nChannel 0: Exactly. And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board. So it gives us that flexibility. But at the same time, we don't wanna, you know, day trade your super. We do invest in investments that are very diversified and backed as well to give you that protection.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep. Now, essentially, from here is obviously, if you wanna take some time and have a read over the documents, you are more than welcome to. Or if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally. It's the same as what you did for the annual review. It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation.\n\nAnd I can then let the investments team know, and we can make those couple of changes for you.\n\nChannel 1: I've just done it now. You should I've got\n\nChannel 0: Alright. Beautiful. Let me refresh. Yep. Perfect.\n\nI can see that that's come through, which is great. So\n\nChannel 1: it.\n\nChannel 0: thank you so much for that. I will let the team know. We'll go ahead and make these couple of changes for you. You still have access to this document as well. So if you ever wanna go back and have a read over it, you can always click click back into the email.\n\nYou can download the documents as well. It's always there for you. If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues.\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Beautiful. Now do you have any questions for me otherwise before I let you go and get on with your day,\n\nChannel 1: No. It was just about yeah. When I said about the mine super early, that that was pretty much the only one I had.\n\nChannel 0: Daniel? Yeah. Okay. Beautiful. If there is anything else that we can help you with at any point in time, though, any questions, don't hesitate to give us a call.\n\nOkay?\n\nChannel 1: Sounds good.\n\nChannel 0: Okay. Beautiful. Well, thank you so much for your time today, and I hope you enjoy the rest of your day.\n\nChannel 1: Okay.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi there.","start":1.4399999,"end":2.1,"sentiment":"neutral","sentiment_score":0.05870644561946392}],"sentiment":"neutral","sentiment_score":0.05870644561946392,"channel":1,"num_words":2,"start":1.4399999,"end":2.1},{"sentences":[{"text":"Hey.","start":2.96,"end":3.28,"sentiment":"neutral","sentiment_score":0.046346597373485565},{"text":"Is this Daniel?","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.0391676090657711}],"sentiment":"neutral","sentiment_score":0.04096235614269972,"channel":0,"num_words":4,"start":2.96,"end":4.26},{"sentences":[{"text":"Yeah.","start":4.96,"end":5.46,"sentiment":"neutral","sentiment_score":0.059327900409698486}],"sentiment":"neutral","sentiment_score":0.059327900409698486,"channel":1,"num_words":1,"start":4.96,"end":5.46},{"sentences":[{"text":"It's Veronica from Refugee Financial.","start":6.0,"end":8.02,"sentiment":"neutral","sentiment_score":0.10671810954809188},{"text":"How are you?","start":8.24,"end":9.059999,"sentiment":"neutral","sentiment_score":0.15874200562636057}],"sentiment":"neutral","sentiment_score":0.12622707057744265,"channel":0,"num_words":8,"start":6.0,"end":9.059999},{"sentences":[{"text":"Yeah.","start":9.28,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.2381225824356079},{"text":"Good.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.6129425764083862},{"text":"Thanks.","start":9.76,"end":10.0,"sentiment":"positive","sentiment_score":0.6093818545341492},{"text":"How are you?","start":10.0,"end":10.82,"sentiment":"positive","sentiment_score":0.35303906599680585}],"sentiment":"positive","sentiment_score":0.4199273685614268,"channel":1,"num_words":6,"start":9.28,"end":10.82},{"sentences":[{"text":"Good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.4311894178390503},{"text":"You got a little bit of time for me?","start":11.679999,"end":13.185,"sentiment":"neutral","sentiment_score":0.15291251324945027},{"text":"It shouldn't take","start":13.185,"end":13.865,"sentiment":"neutral","sentiment_score":-0.002671657440563043}],"sentiment":"neutral","sentiment_score":0.13841438959710872,"channel":0,"num_words":13,"start":11.12,"end":13.865},{"sentences":[{"text":"Yeah.","start":13.735,"end":13.975,"sentiment":"neutral","sentiment_score":-0.031563207507133484}],"sentiment":"neutral","sentiment_score":-0.031563207507133484,"channel":1,"num_words":1,"start":13.735,"end":13.975},{"sentences":[{"text":"too","start":13.865,"end":14.065001,"sentiment":"neutral","sentiment_score":-0.08968476206064224}],"sentiment":"neutral","sentiment_score":-0.08968476206064224,"channel":0,"num_words":1,"start":13.865,"end":14.065001},{"sentences":[{"text":"I got","start":13.975,"end":14.295,"sentiment":"neutral","sentiment_score":-0.17301754653453827}],"sentiment":"neutral","sentiment_score":-0.17301754653453827,"channel":1,"num_words":2,"start":13.975,"end":14.295},{"sentences":[{"text":"long","start":14.065001,"end":14.565001,"sentiment":"neutral","sentiment_score":-0.17957837879657745}],"sentiment":"neutral","sentiment_score":-0.17957837879657745,"channel":0,"num_words":1,"start":14.065001,"end":14.565001},{"sentences":[{"text":"time now.","start":14.295,"end":14.695,"sentiment":"neutral","sentiment_score":-0.0983864814043045},{"text":"Yeah.","start":14.695,"end":15.014999,"sentiment":"neutral","sentiment_score":-0.016880594193935394},{"text":"Sorry.","start":15.014999,"end":15.335,"sentiment":"neutral","sentiment_score":-0.06399194151163101},{"text":"I was just in the post office.","start":15.335,"end":16.795,"sentiment":"neutral","sentiment_score":-0.04059808461793831}],"sentiment":"neutral","sentiment_score":-0.051075644621794876,"channel":1,"num_words":11,"start":14.295,"end":16.795},{"sentences":[{"text":"today.","start":17.345001,"end":17.745,"sentiment":"neutral","sentiment_score":0.013794120401144028},{"text":"No.","start":17.745,"end":17.985,"sentiment":"neutral","sentiment_score":-0.05840282142162323},{"text":"That's all good.","start":17.985,"end":19.205,"sentiment":"neutral","sentiment_score":0.2379577855269114},{"text":"Now, Daniel, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.465,"end":28.76,"sentiment":"neutral","sentiment_score":0.02091251275148885}],"sentiment":"neutral","sentiment_score":0.0375213978045127,"channel":0,"num_words":34,"start":17.345001,"end":28.76},{"sentences":[{"text":"Yep.","start":28.720001,"end":29.220001,"sentiment":"neutral","sentiment_score":0.08766151964664459}],"sentiment":"neutral","sentiment_score":0.08766151964664459,"channel":1,"num_words":1,"start":28.720001,"end":29.220001},{"sentences":[{"text":"Yep.","start":29.619999,"end":30.02,"sentiment":"neutral","sentiment_score":0.14548087120056152},{"text":"Beautiful.","start":30.02,"end":30.52,"sentiment":"positive","sentiment_score":0.4830085039138794},{"text":"And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":30.98,"end":39.075,"sentiment":"neutral","sentiment_score":0.09618678689002991}],"sentiment":"neutral","sentiment_score":0.10901372222339406,"channel":0,"num_words":34,"start":29.619999,"end":39.075},{"sentences":[{"text":"Daniel Lee.","start":40.375,"end":41.355,"sentiment":"neutral","sentiment_score":0.010839913040399551},{"text":"Date of birth, six the ninth ninety two.","start":41.655,"end":43.815,"sentiment":"neutral","sentiment_score":0.017024166183546185},{"text":"My address is 31 Muskell Circuit, Mudgee, New South Wales.","start":43.815,"end":48.075,"sentiment":"neutral","sentiment_score":0.02884891163557768}],"sentiment":"neutral","sentiment_score":0.02231811359524727,"channel":1,"num_words":20,"start":40.375,"end":48.075},{"sentences":[{"text":"Yep.","start":48.595,"end":48.995003,"sentiment":"neutral","sentiment_score":0.10276668518781662},{"text":"Beautiful.","start":48.995003,"end":49.475,"sentiment":"positive","sentiment_score":0.46723055839538574},{"text":"And how's your day been?","start":49.475,"end":50.435,"sentiment":"neutral","sentiment_score":0.1957216739654541},{"text":"Been busy?","start":50.435,"end":51.09,"sentiment":"neutral","sentiment_score":0.005700721405446528}],"sentiment":"neutral","sentiment_score":0.17333411735792956,"channel":0,"num_words":9,"start":48.595,"end":51.09},{"sentences":[{"text":"No.","start":51.98,"end":52.219997,"sentiment":"neutral","sentiment_score":-0.24379411339759827},{"text":"I keep being pretty quiet because I did not see it tonight.","start":52.219997,"end":54.42,"sentiment":"negative","sentiment_score":-0.3367967754602432},{"text":"I slept this morning.","start":54.42,"end":55.579998,"sentiment":"neutral","sentiment_score":-0.0913009773939848},{"text":"I slept in.","start":55.579998,"end":55.899998,"sentiment":"neutral","sentiment_score":-0.011470355093479156},{"text":"So","start":55.899998,"end":55.98,"sentiment":"neutral","sentiment_score":0.23284968733787537}],"sentiment":"neutral","sentiment_score":-0.21200574792566754,"channel":1,"num_words":21,"start":51.98,"end":55.98},{"sentences":[{"text":"Lovely.","start":57.57,"end":58.07,"sentiment":"positive","sentiment_score":0.3967681527137756}],"sentiment":"positive","sentiment_score":0.3967681527137756,"channel":0,"num_words":1,"start":57.57,"end":58.07},{"sentences":[{"text":"yeah.","start":57.579998,"end":58.079998,"sentiment":"neutral","sentiment_score":0.17241409420967102},{"text":"It's been pretty","start":59.42,"end":60.059998,"sentiment":"neutral","sentiment_score":0.14712692300478616}],"sentiment":"neutral","sentiment_score":0.15344871580600739,"channel":1,"num_words":4,"start":57.579998,"end":60.059998},{"sentences":[{"text":"Now","start":60.05,"end":60.55,"sentiment":"neutral","sentiment_score":0.26926684379577637}],"sentiment":"neutral","sentiment_score":0.26926684379577637,"channel":0,"num_words":1,"start":60.05,"end":60.55},{"sentences":[{"text":"good.","start":60.059998,"end":60.559998,"sentiment":"neutral","sentiment_score":0.21768367290496823}],"sentiment":"neutral","sentiment_score":0.21768367290496823,"channel":1,"num_words":1,"start":60.059998,"end":60.559998},{"sentences":[{"text":"yeah.","start":61.25,"end":61.65,"sentiment":"neutral","sentiment_score":0.05131193995475769},{"text":"Now, Daniel, are you driving at the moment?","start":61.65,"end":63.67,"sentiment":"neutral","sentiment_score":0.005562513484619558}],"sentiment":"neutral","sentiment_score":0.010645783092412684,"channel":0,"num_words":9,"start":61.25,"end":63.67},{"sentences":[{"text":"No.","start":64.195,"end":64.515,"sentiment":"neutral","sentiment_score":-0.09924530237913132},{"text":"I'm pulled over at the moment.","start":64.515,"end":65.815,"sentiment":"neutral","sentiment_score":-0.07405174461503823}],"sentiment":"neutral","sentiment_score":-0.07765082429562296,"channel":1,"num_words":7,"start":64.195,"end":65.815},{"sentences":[{"text":"No.","start":66.05,"end":66.21,"sentiment":"neutral","sentiment_score":-0.025521984323859215},{"text":"Okay.","start":66.21,"end":66.61,"sentiment":"neutral","sentiment_score":0.07015003263950348},{"text":"Perfect.","start":66.61,"end":67.035,"sentiment":"neutral","sentiment_score":0.2228086143732071},{"text":"If you have the option to do so, I have to send you an email with a recommendation to go through quickly.","start":68.875,"end":74.815,"sentiment":"neutral","sentiment_score":0.19420447674664584},{"text":"It just","start":75.19501,"end":75.755005,"sentiment":"neutral","sentiment_score":0.194846510887146}],"sentiment":"neutral","sentiment_score":0.18257882121812413,"channel":0,"num_words":27,"start":66.05,"end":75.755005},{"sentences":[{"text":"Yep.","start":75.635,"end":76.135,"sentiment":"neutral","sentiment_score":0.19400393962860107}],"sentiment":"neutral","sentiment_score":0.19400393962860107,"channel":1,"num_words":1,"start":75.635,"end":76.135},{"sentences":[{"text":"makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so.","start":75.755005,"end":82.22,"sentiment":"neutral","sentiment_score":0.20098183676600456}],"sentiment":"neutral","sentiment_score":0.20098183676600456,"channel":0,"num_words":28,"start":75.755005,"end":82.22},{"sentences":[{"text":"Is that the one that needs to be signed?","start":84.83,"end":86.61,"sentiment":"neutral","sentiment_score":0.03660706948075029}],"sentiment":"neutral","sentiment_score":0.03660706948075029,"channel":1,"num_words":9,"start":84.83,"end":86.61},{"sentences":[{"text":"Yes.","start":87.48,"end":87.98,"sentiment":"neutral","sentiment_score":0.053534135222435}],"sentiment":"neutral","sentiment_score":0.053534135222435,"channel":0,"num_words":1,"start":87.48,"end":87.98},{"sentences":[{"text":"Yep.","start":88.51,"end":88.83,"sentiment":"neutral","sentiment_score":0.04920656234025955},{"text":"Yeah.","start":88.83,"end":89.07,"sentiment":"neutral","sentiment_score":0.06664763391017914},{"text":"No worries.","start":89.07,"end":89.630005,"sentiment":"neutral","sentiment_score":0.09996529296040535},{"text":"I've got that open.","start":89.630005,"end":90.525,"sentiment":"neutral","sentiment_score":0.10582384280860424}],"sentiment":"neutral","sentiment_score":0.0923850191757083,"channel":1,"num_words":8,"start":88.51,"end":90.525},{"sentences":[{"text":"Okay.","start":91.16,"end":91.4,"sentiment":"neutral","sentiment_score":0.16109822690486908},{"text":"Perfect.","start":91.4,"end":91.8,"sentiment":"neutral","sentiment_score":0.27016812562942505},{"text":"So can you see the cover page where it says prepared for Daniel Lee?","start":91.8,"end":95.0,"sentiment":"neutral","sentiment_score":0.09424360415765218},{"text":"And there's, like, a photo of the Gold Coast in the","start":95.0,"end":97.455,"sentiment":"neutral","sentiment_score":0.08915462243286046}],"sentiment":"neutral","sentiment_score":0.10116213546306999,"channel":0,"num_words":27,"start":91.16,"end":97.455},{"sentences":[{"text":"Yep.","start":99.005005,"end":99.505005,"sentiment":"neutral","sentiment_score":0.05790749192237854}],"sentiment":"neutral","sentiment_score":0.05790749192237854,"channel":1,"num_words":1,"start":99.005005,"end":99.505005},{"sentences":[{"text":"background.","start":99.034996,"end":99.534996,"sentiment":"neutral","sentiment_score":0.05944456160068512},{"text":"Yeah.","start":99.994995,"end":100.314995,"sentiment":"neutral","sentiment_score":0.12491634488105774},{"text":"Perfect.","start":100.314995,"end":100.814995,"sentiment":"neutral","sentiment_score":0.2895154654979706},{"text":"Now you will see that this document is 27 pages.","start":101.674995,"end":104.814995,"sentiment":"neutral","sentiment_score":0.17783557176589965},{"text":"A lot of it is just compliance.","start":104.875,"end":106.395,"sentiment":"neutral","sentiment_score":0.2964290848800114}],"sentiment":"neutral","sentiment_score":0.2163617841899395,"channel":0,"num_words":20,"start":99.034996,"end":106.395},{"sentences":[{"text":"It is pretty straightforward today.","start":106.395,"end":108.174995,"sentiment":"neutral","sentiment_score":0.30843688547611237},{"text":"But every time we do make a recommendation, we to put everything in a statement of advice for you just to make sure they fully understand everything and that you are happy with the recommendation.","start":108.715,"end":118.59,"sentiment":"neutral","sentiment_score":0.241700821689197},{"text":"But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long.","start":119.13,"end":128.13501,"sentiment":"neutral","sentiment_score":0.25492264806877735}],"sentiment":"neutral","sentiment_score":0.25257092835493833,"channel":0,"num_words":83,"start":106.395,"end":128.13501},{"sentences":[{"text":"No.","start":128.955,"end":129.195,"sentiment":"neutral","sentiment_score":0.12805631756782532},{"text":"No worries.","start":129.195,"end":129.855,"sentiment":"neutral","sentiment_score":0.13895560801029205}],"sentiment":"neutral","sentiment_score":0.13532251119613647,"channel":1,"num_words":3,"start":128.955,"end":129.855},{"sentences":[{"text":"Now otherwise, Daniel, you will see on the cover page there my details listed.","start":130.355,"end":134.435,"sentiment":"neutral","sentiment_score":0.12036374424185071},{"text":"You'll see my authorized representative number, and I am licensed under OTU Financial.","start":134.435,"end":140.0,"sentiment":"neutral","sentiment_score":0.1059672929919683},{"text":"Now","start":141.42,"end":141.92,"sentiment":"neutral","sentiment_score":0.10578297078609468}],"sentiment":"neutral","sentiment_score":0.11315893568098545,"channel":0,"num_words":28,"start":130.355,"end":141.92},{"sentences":[{"text":"Yep.","start":141.5,"end":142.0,"sentiment":"neutral","sentiment_score":0.1203605979681015}],"sentiment":"neutral","sentiment_score":0.1203605979681015,"channel":1,"num_words":1,"start":141.5,"end":142.0},{"sentences":[{"text":"if you want to scroll to the second page for me, it should talk a little bit about the best interest duty.","start":141.98,"end":148.45999,"sentiment":"neutral","sentiment_score":0.06198282472111962},{"text":"Can you see that?","start":148.45999,"end":149.385,"sentiment":"neutral","sentiment_score":0.04612632468342781}],"sentiment":"neutral","sentiment_score":0.05954336317685934,"channel":0,"num_words":26,"start":141.98,"end":149.385},{"sentences":[{"text":"Yep.","start":150.565,"end":151.065,"sentiment":"neutral","sentiment_score":0.01754165068268776}],"sentiment":"neutral","sentiment_score":0.01754165068268776,"channel":1,"num_words":1,"start":150.565,"end":151.065},{"sentences":[{"text":"Do you remember ever hearing about that before?","start":151.78499,"end":153.885,"sentiment":"neutral","sentiment_score":-0.030103235971182585}],"sentiment":"neutral","sentiment_score":-0.030103235971182585,"channel":0,"num_words":8,"start":151.78499,"end":153.885},{"sentences":[{"text":"But I'm trying to 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this just talks about the areas we are looking at in today's statement of advice.","start":201.6,"end":206.98,"sentiment":"neutral","sentiment_score":0.17435465227155125},{"text":"So simply today, very straightforward.","start":207.2,"end":209.595,"sentiment":"positive","sentiment_score":0.3748005867004395},{"text":"We are just looking at your superannuation, particularly your investments to see if we wanted to make any changes to any of your investments.","start":209.65501,"end":216.71501,"sentiment":"neutral","sentiment_score":0.16211563969651857},{"text":"Not making changes to insurances or anything else.","start":217.49501,"end":220.375,"sentiment":"neutral","sentiment_score":-0.020631977822631598}],"sentiment":"neutral","sentiment_score":0.15806192058053883,"channel":0,"num_words":55,"start":201.04001,"end":220.375},{"sentences":[{"text":"Otherwise, it is literally just those super 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far?","start":225.45999,"end":226.5,"sentiment":"neutral","sentiment_score":0.2581458054482937},{"text":"Yep.","start":226.5,"end":226.9,"sentiment":"neutral","sentiment_score":0.2282442152500153},{"text":"Beautiful.","start":226.9,"end":227.4,"sentiment":"positive","sentiment_score":0.5475460290908813}],"sentiment":"neutral","sentiment_score":0.3013955776890119,"channel":0,"num_words":6,"start":225.45999,"end":227.4},{"sentences":[{"text":"Yep.","start":226.96,"end":227.46,"sentiment":"neutral","sentiment_score":0.21372032165527344}],"sentiment":"neutral","sentiment_score":0.21372032165527344,"channel":1,"num_words":1,"start":226.96,"end":227.46},{"sentences":[{"text":"Now if you want to scroll down for me through page nine.","start":228.18,"end":234.885,"sentiment":"neutral","sentiment_score":0.08228475018404424},{"text":"So what you scroll through, you'll have just some information just about you, your assets, what we went through over the annual review, just about your superannuation, your clear view policy, which then should take you to your risk profile page, which is page","start":235.36499,"end":251.32,"sentiment":"neutral","sentiment_score":0.07488282355056568}],"sentiment":"neutral","sentiment_score":0.07646895068631109,"channel":0,"num_words":56,"start":228.18,"end":251.32},{"sentences":[{"text":"Yep.","start":252.55,"end":253.05,"sentiment":"neutral","sentiment_score":0.04069207236170769}],"sentiment":"neutral","sentiment_score":0.04069207236170769,"channel":1,"num_words":1,"start":252.55,"end":253.05},{"sentences":[{"text":"nine.","start":253.22,"end":253.46,"sentiment":"neutral","sentiment_score":0.0386405810713768},{"text":"Yep.","start":253.46,"end":253.86,"sentiment":"neutral","sentiment_score":0.1667882204055786},{"text":"Perfect.","start":253.86,"end":254.36,"sentiment":"positive","sentiment_score":0.5206909775733948},{"text":"Sorry.","start":254.82,"end":255.14,"sentiment":"neutral","sentiment_score":0.04558015614748001},{"text":"We are not making any changes when it comes to your risk profile.","start":255.14,"end":258.66,"sentiment":"neutral","sentiment_score":-0.16680752314054048}],"sentiment":"neutral","sentiment_score":-0.08216458033112918,"channel":0,"num_words":17,"start":253.22,"end":258.66},{"sentences":[{"text":"You are currently in a high growth portfolio, and you came out kind of borderline between that growth and high growth during the annual review, but the high growth is still very much suitable for you.","start":258.66,"end":269.445,"sentiment":"neutral","sentiment_score":0.13009108116643298},{"text":"You still have plenty of time until you can access the money when you retire to take advantage of those ups and downs in the market to try to grow your super as much as possible, but not making changes to your risk profile.","start":269.445,"end":282.84,"sentiment":"neutral","sentiment_score":0.15286103771491485},{"text":"Literally just changing a few of the investments around for you.","start":282.97998,"end":286.68,"sentiment":"neutral","sentiment_score":0.0638670145787976}],"sentiment":"neutral","sentiment_score":0.13309562353642432,"channel":0,"num_words":91,"start":258.66,"end":286.68},{"sentences":[{"text":"Yeah.","start":287.15,"end":287.38998,"sentiment":"neutral","sentiment_score":0.20469138026237488},{"text":"That's fine.","start":287.38998,"end":288.21,"sentiment":"neutral","sentiment_score":0.2796327918767929}],"sentiment":"neutral","sentiment_score":0.25465232133865356,"channel":1,"num_words":3,"start":287.15,"end":288.21},{"sentences":[{"text":"Yep.","start":288.58,"end":288.97998,"sentiment":"neutral","sentiment_score":0.273531049489975},{"text":"Perfect.","start":288.97998,"end":289.47998,"sentiment":"positive","sentiment_score":0.538164496421814},{"text":"Now if you wanna scroll to page 12, you should then see the actual recommendation.","start":289.78,"end":295.295,"sentiment":"neutral","sentiment_score":0.13679602444171907},{"text":"So it should say strategy recommendation at the top.","start":295.99503,"end":298.89502,"sentiment":"neutral","sentiment_score":0.1270976753698455}],"sentiment":"neutral","sentiment_score":0.1541351919563917,"channel":0,"num_words":26,"start":288.58,"end":298.89502},{"sentences":[{"text":"Yep.","start":299.485,"end":299.985,"sentiment":"neutral","sentiment_score":0.11166223138570786}],"sentiment":"neutral","sentiment_score":0.11166223138570786,"channel":1,"num_words":1,"start":299.485,"end":299.985},{"sentences":[{"text":"Yep.","start":300.475,"end":300.875,"sentiment":"neutral","sentiment_score":0.17320172488689425},{"text":"Beautiful.","start":300.875,"end":301.375,"sentiment":"positive","sentiment_score":0.5278405547142029},{"text":"So part of the research is I also considered other super funds for you just to make sure hub twenty four is still the best option.","start":301.435,"end":308.575,"sentiment":"neutral","sentiment_score":0.18539646095954454},{"text":"There's always new products and features that comes out to the market, so it is good to kind of just go and reassess every now and then just to make sure.","start":309.16,"end":316.7,"sentiment":"neutral","sentiment_score":0.2121192394725738},{"text":"There's nothing tying us, obviously, to hub 24, so it is good to do the research just to make sure it's the best option for you.","start":316.76,"end":323.42,"sentiment":"neutral","sentiment_score":0.2004918995886468}],"sentiment":"neutral","sentiment_score":0.2036451303235748,"channel":0,"num_words":85,"start":300.475,"end":323.42},{"sentences":[{"text":"And","start":323.825,"end":323.98502,"sentiment":"neutral","sentiment_score":-0.011204920709133148}],"sentiment":"neutral","sentiment_score":-0.011204920709133148,"channel":0,"num_words":1,"start":323.825,"end":323.98502},{"sentences":[{"text":"I","start":323.865,"end":324.025,"sentiment":"neutral","sentiment_score":-0.036668118089437485}],"sentiment":"neutral","sentiment_score":-0.036668118089437485,"channel":1,"num_words":1,"start":323.865,"end":324.025},{"sentences":[{"text":"after","start":323.98502,"end":324.48502,"sentiment":"neutral","sentiment_score":-0.049634095281362534}],"sentiment":"neutral","sentiment_score":-0.049634095281362534,"channel":0,"num_words":1,"start":323.98502,"end":324.48502},{"sentences":[{"text":"had a question with","start":324.025,"end":325.085,"sentiment":"neutral","sentiment_score":-0.0536386976018548}],"sentiment":"neutral","sentiment_score":-0.0536386976018548,"channel":1,"num_words":4,"start":324.025,"end":325.085},{"sentences":[{"text":"doing the yes.","start":324.58502,"end":326.885,"sentiment":"neutral","sentiment_score":-0.04553927232821783}],"sentiment":"neutral","sentiment_score":-0.04553927232821783,"channel":0,"num_words":3,"start":324.58502,"end":326.885},{"sentences":[{"text":"that.","start":326.425,"end":326.82498,"sentiment":"neutral","sentiment_score":-0.0704306811094284},{"text":"So is there a reason why someone like mine super wasn't recommended?","start":326.82498,"end":330.60498,"sentiment":"neutral","sentiment_score":-0.18561032228171825},{"text":"Because a lot of like, that's what they recommend at work when you like, that's the automatic one they get put on.","start":330.745,"end":336.15,"sentiment":"neutral","sentiment_score":-0.005790027874437245}],"sentiment":"neutral","sentiment_score":-0.06928957604936191,"channel":1,"num_words":35,"start":326.425,"end":336.15},{"sentences":[{"text":"Yes.","start":337.42502,"end":337.92502,"sentiment":"neutral","sentiment_score":0.07574228197336197},{"text":"So without having the direct comparison, I can't say, specifically, but part of the research that we consider is everything.","start":338.19,"end":347.23,"sentiment":"neutral","sentiment_score":-0.004426446929574013},{"text":"So we look at a bunch of different super funds to determine what's the best for you.","start":347.23,"end":354.645,"sentiment":"neutral","sentiment_score":0.1244129517718273},{"text":"Now often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always.","start":354.705,"end":363.04498,"sentiment":"neutral","sentiment_score":0.06264942105520856},{"text":"But where the kind of the big difference is that it's very limited when it comes through the investment choices.","start":363.53998,"end":369.72,"sentiment":"neutral","sentiment_score":-0.2390721520408988}],"sentiment":"neutral","sentiment_score":-0.016261528176255525,"channel":0,"num_words":80,"start":337.42502,"end":369.72},{"sentences":[{"text":"So we can't then construct the same kind of portfolio and give you the same returns as you can in something like HUB24 Because with","start":370.41998,"end":379.175,"sentiment":"neutral","sentiment_score":-0.07468561351299285}],"sentiment":"neutral","sentiment_score":-0.07468561351299285,"channel":0,"num_words":25,"start":370.41998,"end":379.175},{"sentences":[{"text":"Okay.","start":379.175,"end":379.675,"sentiment":"neutral","sentiment_score":-0.024503959342837337}],"sentiment":"neutral","sentiment_score":-0.024503959342837337,"channel":1,"num_words":1,"start":379.175,"end":379.675},{"sentences":[{"text":"HUB24, you have, like, hundreds of different 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because","start":401.13,"end":401.69,"sentiment":"neutral","sentiment_score":-0.007036647759377956}],"sentiment":"neutral","sentiment_score":-0.07495872422106682,"channel":0,"num_words":63,"start":379.175,"end":401.69},{"sentences":[{"text":"Yeah.","start":401.55002,"end":401.895,"sentiment":"neutral","sentiment_score":0.026119111105799675}],"sentiment":"neutral","sentiment_score":0.026119111105799675,"channel":1,"num_words":1,"start":401.55002,"end":401.895},{"sentences":[{"text":"of that,","start":401.69,"end":402.09,"sentiment":"neutral","sentiment_score":0.08154644444584846}],"sentiment":"neutral","sentiment_score":0.08154644444584846,"channel":0,"num_words":2,"start":401.69,"end":402.09},{"sentences":[{"text":"Gotcha.","start":401.97498,"end":402.47498,"sentiment":"neutral","sentiment_score":0.23410706222057345}],"sentiment":"neutral","sentiment_score":0.23410706222057345,"channel":1,"num_words":1,"start":401.97498,"end":402.47498},{"sentences":[{"text":"it gives us a lot more flexibility in changing investments and putting together your portfolio.","start":402.09,"end":408.525,"sentiment":"neutral","sentiment_score":0.25640396028757095},{"text":"So often, it becomes a lot more competitive because you can't, like, achieve the same kind of diversification and outcome in the industry funds.","start":409.14502,"end":419.49,"sentiment":"neutral","sentiment_score":0.22253193240612745},{"text":"Funds.","start":419.49,"end":419.65,"sentiment":"neutral","sentiment_score":0.04990073665976525},{"text":"So that is something that I looked at now when I did the research for you as well.","start":419.65,"end":423.27,"sentiment":"neutral","sentiment_score":0.14895833118094337},{"text":"Considered just making sure that hub twenty four was still the best option.","start":423.41,"end":427.03,"sentiment":"neutral","sentiment_score":0.16629015998198435}],"sentiment":"neutral","sentiment_score":0.1983063177428615,"channel":0,"num_words":71,"start":402.09,"end":427.03},{"sentences":[{"text":"And, yeah, often, it's more so because, ultimately, what grows your super and what makes a difference how you can invest the money.","start":427.33,"end":434.275,"sentiment":"neutral","sentiment_score":0.2672682618317397},{"text":"At the end of the day, like, Hub24, Mindsoup, AustralianSuper, they're just like a platform that holds your money at the end of the day.","start":434.495,"end":440.495,"sentiment":"neutral","sentiment_score":0.24376172006130217},{"text":"It's kind of what you can invest the money that into that makes your money grow, if that makes","start":440.495,"end":445.05,"sentiment":"neutral","sentiment_score":0.2349359557816857}],"sentiment":"neutral","sentiment_score":0.2493283012464865,"channel":0,"num_words":67,"start":427.33,"end":445.05},{"sentences":[{"text":"Yeah.","start":446.47,"end":446.97,"sentiment":"neutral","sentiment_score":0.08541863411664963}],"sentiment":"neutral","sentiment_score":0.08541863411664963,"channel":1,"num_words":1,"start":446.47,"end":446.97},{"sentences":[{"text":"sense.","start":447.05,"end":447.28998,"sentiment":"neutral","sentiment_score":0.08272559940814972},{"text":"Yep.","start":447.28998,"end":447.78998,"sentiment":"neutral","sentiment_score":0.09512849897146224},{"text":"And sometimes there is also certain, like, industries and stuff that do have a just like a default option that everyone goes into.","start":448.25,"end":455.61,"sentiment":"neutral","sentiment_score":0.05446270723705706},{"text":"That's not to say that that's always the best option because it's very obviously individualized what we do for you as well.","start":455.61,"end":463.065,"sentiment":"neutral","sentiment_score":0.13369756666096774}],"sentiment":"neutral","sentiment_score":0.09301793258240883,"channel":0,"num_words":47,"start":447.05,"end":463.065},{"sentences":[{"text":"Yeah.","start":463.945,"end":464.445,"sentiment":"neutral","sentiment_score":0.11468230187892914}],"sentiment":"neutral","sentiment_score":0.11468230187892914,"channel":1,"num_words":1,"start":463.945,"end":464.445},{"sentences":[{"text":"Does that answer that question for you, Daniel?","start":464.805,"end":466.905,"sentiment":"neutral","sentiment_score":0.11880347784608603}],"sentiment":"neutral","sentiment_score":0.11880347784608603,"channel":0,"num_words":8,"start":464.805,"end":466.905},{"sentences":[{"text":"Yeah.","start":467.305,"end":467.625,"sentiment":"neutral","sentiment_score":0.18898439407348633},{"text":"Yeah.","start":467.625,"end":467.865,"sentiment":"neutral","sentiment_score":0.30159592628479004},{"text":"It's all good.","start":467.865,"end":468.665,"sentiment":"positive","sentiment_score":0.5079999566078186}],"sentiment":"positive","sentiment_score":0.40291603803634646,"channel":1,"num_words":5,"start":467.305,"end":468.665},{"sentences":[{"text":"Yep.","start":468.485,"end":468.985,"sentiment":"neutral","sentiment_score":0.13151530921459198}],"sentiment":"neutral","sentiment_score":0.13151530921459198,"channel":0,"num_words":1,"start":468.485,"end":468.985},{"sentences":[{"text":"Thank you.","start":468.665,"end":469.405,"sentiment":"positive","sentiment_score":0.5572185814380646}],"sentiment":"positive","sentiment_score":0.5572185814380646,"channel":1,"num_words":2,"start":468.665,"end":469.405},{"sentences":[{"text":"Yep.","start":469.285,"end":469.785,"sentiment":"neutral","sentiment_score":0.15576954185962677},{"text":"No.","start":469.925,"end":470.245,"sentiment":"neutral","sentiment_score":-0.04984071850776672},{"text":"That's all good.","start":470.245,"end":471.305,"sentiment":"neutral","sentiment_score":0.19518489887317023},{"text":"But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation.","start":471.72998,"end":483.66998,"sentiment":"neutral","sentiment_score":0.050580759067088366},{"text":"And like I said, I have recommended right now that you do stay in Hub twenty four and just change some of your investments around.","start":484.05,"end":491.33502,"sentiment":"neutral","sentiment_score":0.12091253399848938}],"sentiment":"neutral","sentiment_score":0.08845789868641517,"channel":0,"num_words":58,"start":469.285,"end":491.33502},{"sentences":[{"text":"I do use Hub twenty four for my personal super as well.","start":491.33502,"end":494.795,"sentiment":"neutral","sentiment_score":0.11179225891828537},{"text":"And if it wasn't the best option for you, I wouldn't recommend it, and I wouldn't use it myself either.","start":495.015,"end":500.47,"sentiment":"neutral","sentiment_score":-0.2786787964403629}],"sentiment":"neutral","sentiment_score":-0.13225215068086982,"channel":0,"num_words":32,"start":491.33502,"end":500.47},{"sentences":[{"text":"Yeah.","start":501.55,"end":501.94998,"sentiment":"neutral","sentiment_score":0.18585923314094543},{"text":"That sounds good then.","start":501.94998,"end":503.25,"sentiment":"positive","sentiment_score":0.4097910374403}],"sentiment":"positive","sentiment_score":0.36500467658042907,"channel":1,"num_words":5,"start":501.55,"end":503.25},{"sentences":[{"text":"Yeah.","start":504.21,"end":504.61,"sentiment":"positive","sentiment_score":0.33456987142562866},{"text":"All good.","start":504.61,"end":505.35,"sentiment":"positive","sentiment_score":0.45060308277606964},{"text":"Now if you can scroll down to page 15 for me, it kind of summarizes the recommendation in a nice little table.","start":505.57,"end":513.955,"sentiment":"neutral","sentiment_score":0.20989851518110794}],"sentiment":"neutral","sentiment_score":0.23414173483848572,"channel":0,"num_words":25,"start":504.21,"end":513.955},{"sentences":[{"text":"Yep.","start":516.935,"end":517.435,"sentiment":"neutral","sentiment_score":0.11214114725589752}],"sentiment":"neutral","sentiment_score":0.11214114725589752,"channel":1,"num_words":1,"start":516.935,"end":517.435},{"sentences":[{"text":"Yep.","start":518.095,"end":518.575,"sentiment":"neutral","sentiment_score":0.1708785742521286},{"text":"Perfect.","start":518.575,"end":519.055,"sentiment":"positive","sentiment_score":0.3632040023803711},{"text":"So what you can see here is, like, basically, the pages that you scroll through, it talks about advantages and risks and disadvantages to be mindful of.","start":519.055,"end":527.87,"sentiment":"neutral","sentiment_score":0.12153827757747085},{"text":"But I find that looking at this table sometimes makes it a little bit easier.","start":527.93,"end":532.02997,"sentiment":"neutral","sentiment_score":0.22039887309074402},{"text":"So you can see here that with, obviously, contributions the same, insurance is the same, fees the same, By changing some of your investments around, it is saving you about $459 per year, which does add up when you do compound things.","start":532.64996,"end":551.725,"sentiment":"neutral","sentiment_score":0.26190586139758426}],"sentiment":"neutral","sentiment_score":0.21071680635213852,"channel":0,"num_words":86,"start":518.095,"end":551.725},{"sentences":[{"text":"So that is literally","start":551.725,"end":552.605,"sentiment":"positive","sentiment_score":0.3336033821105957}],"sentiment":"positive","sentiment_score":0.3336033821105957,"channel":0,"num_words":4,"start":551.725,"end":552.605},{"sentences":[{"text":"Yep.","start":552.595,"end":553.095,"sentiment":"positive","sentiment_score":0.34567737579345703}],"sentiment":"positive","sentiment_score":0.34567737579345703,"channel":1,"num_words":1,"start":552.595,"end":553.095},{"sentences":[{"text":"just changing some of the investments, which I thought was pretty good.","start":552.605,"end":555.77,"sentiment":"positive","sentiment_score":0.438717283308506},{"text":"Now when it comes through the performance, so you can see here that both are high growth portfolio.","start":557.67,"end":564.81,"sentiment":"neutral","sentiment_score":0.2390961746374766},{"text":"You can then also see the five year rolling average.","start":565.485,"end":569.105,"sentiment":"neutral","sentiment_score":0.18987087905406952},{"text":"So you can see that the recommended portfolio has outperformed your current loan by quite a bit.","start":569.96497,"end":577.96497,"sentiment":"neutral","sentiment_score":0.3138682395219803},{"text":"Now, obviously, you can't guarantee performance.","start":577.96497,"end":580.385,"sentiment":"neutral","sentiment_score":0.013750251072148481}],"sentiment":"neutral","sentiment_score":0.26802077638133176,"channel":0,"num_words":63,"start":552.605,"end":580.385},{"sentences":[{"text":"You can't guarantee what's going to happen in the market, but that is why we use a five year rolling average when we are projecting things for you.","start":580.445,"end":589.61005,"sentiment":"neutral","sentiment_score":0.08037180972418614},{"text":"Because using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty of what has happened to the portfolio and the market as well.","start":589.91003,"end":600.945,"sentiment":"neutral","sentiment_score":0.19133800395897457},{"text":"Does that make sense, Daniel?","start":601.40497,"end":602.865,"sentiment":"neutral","sentiment_score":0.13255340605974197}],"sentiment":"neutral","sentiment_score":0.14132364472264752,"channel":0,"num_words":68,"start":580.445,"end":602.865},{"sentences":[{"text":"Yeah.","start":603.625,"end":604.125,"sentiment":"neutral","sentiment_score":0.15202775597572327}],"sentiment":"neutral","sentiment_score":0.15202775597572327,"channel":1,"num_words":1,"start":603.625,"end":604.125},{"sentences":[{"text":"Yep.","start":604.765,"end":605.265,"sentiment":"neutral","sentiment_score":0.17957763373851776},{"text":"So the the recommended is performing a bit better.","start":605.965,"end":610.145,"sentiment":"neutral","sentiment_score":0.21793940787514052},{"text":"It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years.","start":610.205,"end":618.88,"sentiment":"positive","sentiment_score":0.46312799166750024},{"text":"You can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you.","start":619.26,"end":629.395,"sentiment":"positive","sentiment_score":0.4010778810038711}],"sentiment":"positive","sentiment_score":0.39830083075378625,"channel":0,"num_words":70,"start":604.765,"end":629.395},{"sentences":[{"text":"Sounds good.","start":631.34503,"end":632.085,"sentiment":"positive","sentiment_score":0.6407937407493591}],"sentiment":"positive","sentiment_score":0.6407937407493591,"channel":1,"num_words":2,"start":631.34503,"end":632.085},{"sentences":[{"text":"Yep.","start":632.65497,"end":633.15497,"sentiment":"neutral","sentiment_score":0.1490926444530487},{"text":"Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62.","start":633.21497,"end":643.02997,"sentiment":"neutral","sentiment_score":0.0276850579178025},{"text":"Can you see that?","start":643.02997,"end":644.08997,"sentiment":"neutral","sentiment_score":0.016118676867336035}],"sentiment":"neutral","sentiment_score":0.029895118574666625,"channel":0,"num_words":34,"start":632.65497,"end":644.08997},{"sentences":[{"text":"Yep.","start":644.63,"end":645.13,"sentiment":"neutral","sentiment_score":0.03365466371178627}],"sentiment":"neutral","sentiment_score":0.03365466371178627,"channel":1,"num_words":1,"start":644.63,"end":645.13},{"sentences":[{"text":"Yep.","start":645.67,"end":645.99,"sentiment":"neutral","sentiment_score":0.028319962322711945},{"text":"So, basically, what this is is the estimated capital gains tax.","start":645.99,"end":650.73,"sentiment":"neutral","sentiment_score":0.005633311176841909},{"text":"So when we do sell investments, there are sometimes capital gains tax to be paid when you're selling an investment.","start":651.185,"end":657.765,"sentiment":"neutral","sentiment_score":0.025530085898935795},{"text":"Similar to, like, if you were to sell an investment property, the same does kind of take place within the super environment.","start":658.625,"end":666.54,"sentiment":"neutral","sentiment_score":0.060829143547876316},{"text":"So it is kind of separating that you don't have to pay for anything personally.","start":667.5,"end":671.18,"sentiment":"neutral","sentiment_score":0.09063834324479103}],"sentiment":"neutral","sentiment_score":0.04780731028944686,"channel":0,"num_words":69,"start":645.67,"end":671.18},{"sentences":[{"text":"It's not like you have to declare anything on your tax return, but it does take place within the super environment as well.","start":671.18,"end":678.16,"sentiment":"neutral","sentiment_score":0.08762093212293542},{"text":"So we obviously wanna minimize that as much as possible.","start":678.3,"end":681.495,"sentiment":"neutral","sentiment_score":0.03967904485762119},{"text":"And if I were to sell all your investments, like, change everything, the estimated capital gains tax would have been about 1,814.","start":681.495,"end":691.115,"sentiment":"neutral","sentiment_score":-0.005918275120414116},{"text":"So, obviously, we wanna minimize that by still making sure we change out any investments necessary.","start":691.575,"end":694.4436,"sentiment":"neutral","sentiment_score":0.011063991347327828},{"text":"So it's estimated necessary.","start":694.4436,"end":697.51,"sentiment":"neutral","sentiment_score":0.016910156467929482}],"sentiment":"neutral","sentiment_score":0.03368712429578106,"channel":0,"num_words":75,"start":671.18,"end":697.51},{"sentences":[{"text":"So it's estimated it'll just be about $62.","start":697.57,"end":700.29,"sentiment":"neutral","sentiment_score":0.028296983567997813},{"text":"So it's not too much, but something I do wanna let you","start":700.29,"end":704.39,"sentiment":"neutral","sentiment_score":0.026419130619615316}],"sentiment":"neutral","sentiment_score":0.027170271798968314,"channel":0,"num_words":20,"start":697.57,"end":704.39},{"sentences":[{"text":"Yeah.","start":704.02,"end":704.26,"sentiment":"neutral","sentiment_score":0.06450992822647095},{"text":"That's fine.","start":704.26,"end":705.08,"sentiment":"neutral","sentiment_score":0.11945170536637306}],"sentiment":"neutral","sentiment_score":0.10113777965307236,"channel":1,"num_words":3,"start":704.02,"end":705.08},{"sentences":[{"text":"know.","start":704.69,"end":705.19,"sentiment":"neutral","sentiment_score":0.10876989364624023},{"text":"Yep.","start":705.49,"end":705.97,"sentiment":"neutral","sentiment_score":0.18979483842849731},{"text":"Beautiful.","start":705.97,"end":706.47,"sentiment":"positive","sentiment_score":0.39616483449935913},{"text":"Now, obviously, prices can change, obviously, with the market, but it will be around that 62, which is pretty good.","start":706.69,"end":714.055,"sentiment":"neutral","sentiment_score":0.25311053097248076}],"sentiment":"neutral","sentiment_score":0.25030174721842224,"channel":0,"num_words":23,"start":704.69,"end":714.055},{"sentences":[{"text":"Yeah.","start":714.775,"end":715.275,"sentiment":"neutral","sentiment_score":0.10325367003679276}],"sentiment":"neutral","sentiment_score":0.10325367003679276,"channel":1,"num_words":1,"start":714.775,"end":715.275},{"sentences":[{"text":"Yep.","start":715.795,"end":716.295,"sentiment":"neutral","sentiment_score":0.06552930176258087},{"text":"Any questions in regards to that?","start":716.355,"end":718.03503,"sentiment":"neutral","sentiment_score":0.046987506871422134},{"text":"Oh, that's pretty straightforward.","start":718.03503,"end":719.415,"sentiment":"neutral","sentiment_score":0.17171651870012283}],"sentiment":"neutral","sentiment_score":0.0940291288901459,"channel":0,"num_words":11,"start":715.795,"end":719.415},{"sentences":[{"text":"No.","start":720.37,"end":720.43,"sentiment":"neutral","sentiment_score":0.0900743529200554},{"text":"That's all.","start":720.43,"end":720.55005,"sentiment":"neutral","sentiment_score":0.1335752308368683},{"text":"Pretty straightforward.","start":720.55005,"end":721.11005,"sentiment":"neutral","sentiment_score":0.26805928349494934}],"sentiment":"neutral","sentiment_score":0.17866867631673813,"channel":1,"num_words":5,"start":720.37,"end":721.11005},{"sentences":[{"text":"Yep.","start":721.795,"end":722.295,"sentiment":"neutral","sentiment_score":0.18247053027153015},{"text":"Perfect.","start":722.435,"end":722.935,"sentiment":"positive","sentiment_score":0.38730424642562866},{"text":"Yeah.","start":724.73,"end":724.75665,"sentiment":"neutral","sentiment_score":0.21731607615947723},{"text":"Perfect.","start":724.75665,"end":724.7833,"sentiment":"neutral","sentiment_score":0.3289376497268677},{"text":"Now if you then can scroll down for me to page 17, you should have a investment table.","start":724.7833,"end":729.62994,"sentiment":"neutral","sentiment_score":0.12783198555310568}],"sentiment":"neutral","sentiment_score":0.15531837466088208,"channel":0,"num_words":22,"start":721.795,"end":729.62994},{"sentences":[{"text":"Yep.","start":735.17004,"end":735.67004,"sentiment":"neutral","sentiment_score":0.10101192444562912}],"sentiment":"neutral","sentiment_score":0.10101192444562912,"channel":1,"num_words":1,"start":735.17004,"end":735.67004},{"sentences":[{"text":"Yep.","start":736.17,"end":736.67,"sentiment":"neutral","sentiment_score":0.1144137680530548},{"text":"So this kind of outlines what the changes are that I have recommended for you when it comes to the investment.","start":736.73,"end":743.195,"sentiment":"neutral","sentiment_score":0.18801702558994293},{"text":"This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment.","start":743.65497,"end":749.915,"sentiment":"neutral","sentiment_score":0.021871343763037163}],"sentiment":"neutral","sentiment_score":0.1032713833688335,"channel":0,"num_words":44,"start":736.17,"end":749.915},{"sentences":[{"text":"Yep.","start":750.55005,"end":751.05005,"sentiment":"neutral","sentiment_score":0.15888729691505432}],"sentiment":"neutral","sentiment_score":0.15888729691505432,"channel":1,"num_words":1,"start":750.55005,"end":751.05005},{"sentences":[{"text":"You then have the kind of special little code.","start":750.855,"end":753.27496,"sentiment":"neutral","sentiment_score":0.12660047163565954},{"text":"You have current weight, so how much you currently have invested in each option, what that looks like from a dollar value, and then you have the buy and sell column.","start":753.735,"end":764.18,"sentiment":"neutral","sentiment_score":0.1172198244640904},{"text":"So this one here, whatever is highlighted in red is either what we are selling or just reducing your exposure to a little bit.","start":764.64,"end":774.41504,"sentiment":"neutral","sentiment_score":0.10235777233416836},{"text":"Black","start":775.755,"end":776.255,"sentiment":"neutral","sentiment_score":0.13936877250671387}],"sentiment":"neutral","sentiment_score":0.11337190940976143,"channel":0,"num_words":65,"start":750.855,"end":776.255},{"sentences":[{"text":"Yep.","start":776.045,"end":776.545,"sentiment":"neutral","sentiment_score":0.17158924043178558}],"sentiment":"neutral","sentiment_score":0.17158924043178558,"channel":1,"num_words":1,"start":776.045,"end":776.545},{"sentences":[{"text":"is what we are either increasing exposure to or adding to your portfolio.","start":776.635,"end":781.215,"sentiment":"neutral","sentiment_score":0.18371781936058632},{"text":"And then you also have the target way again and the balance.","start":781.87,"end":785.81,"sentiment":"neutral","sentiment_score":0.14478707003096739},{"text":"Now when it comes to the actual portfolio, how we put together everything hasn't changed.","start":786.11005,"end":791.95,"sentiment":"neutral","sentiment_score":0.10670960843563079},{"text":"It's still very much using that core satellite approach to investing.","start":791.95,"end":796.05005,"sentiment":"neutral","sentiment_score":0.18646215850656683},{"text":"Do you remember ever hearing about that before, or do you know much about what that looks like, Daniel?","start":796.43,"end":802.105,"sentiment":"neutral","sentiment_score":0.05172074625366613}],"sentiment":"neutral","sentiment_score":0.1251456934426512,"channel":0,"num_words":70,"start":776.635,"end":802.105},{"sentences":[{"text":"No.","start":802.785,"end":803.105,"sentiment":"neutral","sentiment_score":-0.09712360799312592},{"text":"Not really.","start":803.105,"end":803.845,"sentiment":"neutral","sentiment_score":-0.07683157175779343}],"sentiment":"neutral","sentiment_score":-0.0835955838362376,"channel":1,"num_words":3,"start":802.785,"end":803.845},{"sentences":[{"text":"No.","start":804.245,"end":804.725,"sentiment":"neutral","sentiment_score":-0.08294928073883057},{"text":"So, basically, what it means is that we invest majority of the funds in the core, which essentially represents the backbone of the portfolio.","start":804.725,"end":812.84,"sentiment":"neutral","sentiment_score":0.10125907665739457},{"text":"These are kind of like your passive index funds that have done really well in the past and are very diversified.","start":813.94,"end":819.0,"sentiment":"neutral","sentiment_score":0.21976787135714576},{"text":"So these are, like, your biggest holdings.","start":819.7,"end":821.8,"sentiment":"neutral","sentiment_score":0.19904479597296035},{"text":"So for example, you have 35% in iShares S and P five hundred.","start":822.42,"end":828.77496,"sentiment":"neutral","sentiment_score":0.17710589101681343}],"sentiment":"neutral","sentiment_score":0.1614861214025454,"channel":0,"num_words":66,"start":804.245,"end":828.77496},{"sentences":[{"text":"You already had 28% in this investment.","start":828.995,"end":831.415,"sentiment":"neutral","sentiment_score":0.20513114120279038},{"text":"It's just increasing the exposure a little bit.","start":831.475,"end":834.21497,"sentiment":"neutral","sentiment_score":0.09756527841091156},{"text":"Now with this one investment, it is essentially investing in the 500 largest companies listed in The US.","start":834.675,"end":843.02,"sentiment":"neutral","sentiment_score":0.16652272641658783},{"text":"So, obviously, a very diversified investment because you have 500 different companies and, obviously, very big.","start":843.32,"end":849.66,"sentiment":"neutral","sentiment_score":0.2752225147560239},{"text":"So if something would happen to one company, it won't impact things as much because you do have very diversified.","start":849.72003,"end":855.115,"sentiment":"neutral","sentiment_score":0.26115710809826853}],"sentiment":"neutral","sentiment_score":0.21508045926474142,"channel":0,"num_words":69,"start":828.995,"end":855.115},{"sentences":[{"text":"So that's why that one is part of your core investment.","start":855.975,"end":859.115,"sentiment":"neutral","sentiment_score":0.3234851224855943},{"text":"Now we also then wanna make sure we have some Australian exposure.","start":860.215,"end":863.915,"sentiment":"neutral","sentiment_score":0.16291944061716399},{"text":"Now in your current portfolio, you had Benelon Australian equity in the portfolio.","start":864.375,"end":869.39,"sentiment":"neutral","sentiment_score":0.1724069187274346},{"text":"This is the one I kind of talked about a little bit during the under review that I wanted to do some research and potentially switch out for you if you remember.","start":869.85004,"end":877.07,"sentiment":"neutral","sentiment_score":0.14841820346191525}],"sentiment":"neutral","sentiment_score":0.18388297189684474,"channel":0,"num_words":68,"start":855.975,"end":877.07},{"sentences":[{"text":"Yep.","start":877.965,"end":878.465,"sentiment":"neutral","sentiment_score":0.08613714575767517}],"sentiment":"neutral","sentiment_score":0.08613714575767517,"channel":1,"num_words":1,"start":877.965,"end":878.465},{"sentences":[{"text":"Yep.","start":878.89,"end":879.345,"sentiment":"neutral","sentiment_score":0.06984465569257736},{"text":"So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred.","start":879.425,"end":886.56494,"sentiment":"neutral","sentiment_score":0.08756099417805671},{"text":"This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX.","start":887.665,"end":893.76495,"sentiment":"neutral","sentiment_score":0.1598129388358858},{"text":"So you will have, like, Commonwealth and BHP, Woolworths, all the big companies again, but in Australia, because we wanna make sure we diversify things.","start":894.27997,"end":902.76,"sentiment":"neutral","sentiment_score":0.23988894045352935},{"text":"We don't want just just everything in The US or everything in Australia.","start":902.76,"end":906.53503,"sentiment":"neutral","sentiment_score":0.034170468839315266}],"sentiment":"neutral","sentiment_score":0.14466411746167518,"channel":0,"num_words":77,"start":878.89,"end":906.53503},{"sentences":[{"text":"We wanna keep things very diversified across the different markets to protect you as well.","start":906.53503,"end":910.875,"sentiment":"neutral","sentiment_score":0.3285917560259501},{"text":"Does that make sense?","start":910.935,"end":911.995,"sentiment":"neutral","sentiment_score":0.1805291660130024}],"sentiment":"neutral","sentiment_score":0.2974206844442769,"channel":0,"num_words":19,"start":906.53503,"end":911.995},{"sentences":[{"text":"Yeah.","start":912.66504,"end":913.16504,"sentiment":"neutral","sentiment_score":0.17228731513023376}],"sentiment":"neutral","sentiment_score":0.17228731513023376,"channel":1,"num_words":1,"start":912.66504,"end":913.16504},{"sentences":[{"text":"Yep.","start":913.175,"end":913.495,"sentiment":"neutral","sentiment_score":0.2248515784740448},{"text":"Yep.","start":913.495,"end":913.895,"sentiment":"positive","sentiment_score":0.3348335921764374},{"text":"Beautiful.","start":913.895,"end":914.395,"sentiment":"positive","sentiment_score":0.6852995753288269},{"text":"Then you have what we call your satellite investments.","start":914.695,"end":918.555,"sentiment":"neutral","sentiment_score":0.19905496885379156},{"text":"Now these can be a little bit more like dynamic and specialized.","start":918.855,"end":922.69,"sentiment":"neutral","sentiment_score":0.17366013675928116}],"sentiment":"neutral","sentiment_score":0.21335004611561695,"channel":0,"num_words":24,"start":913.175,"end":922.69},{"sentences":[{"text":"They tend to target specific, you know, sectors, regions, or assets, and that is what's going to maximize the growth for you.","start":923.23,"end":931.97,"sentiment":"neutral","sentiment_score":0.33302500437606464},{"text":"But they can be a little bit more volatile, and that is why they only represent a smaller portion of your portfolio.","start":932.02997,"end":939.28503,"sentiment":"neutral","sentiment_score":-0.0433196753940799},{"text":"So for","start":940.385,"end":941.10504,"sentiment":"neutral","sentiment_score":0.12621810287237167}],"sentiment":"neutral","sentiment_score":0.144042466159748,"channel":0,"num_words":46,"start":923.23,"end":941.10504},{"sentences":[{"text":"Yep.","start":940.795,"end":941.295,"sentiment":"neutral","sentiment_score":0.11264793574810028}],"sentiment":"neutral","sentiment_score":0.11264793574810028,"channel":1,"num_words":1,"start":940.795,"end":941.295},{"sentences":[{"text":"example, you have cybersecurity in the investment.","start":941.10504,"end":945.765,"sentiment":"neutral","sentiment_score":0.15439910760947637},{"text":"You already had that one, but that was at about 5.84%.","start":946.22504,"end":950.085,"sentiment":"neutral","sentiment_score":0.16565238481218164},{"text":"It is just bringing that back up through 6%.","start":950.48004,"end":953.04004,"sentiment":"neutral","sentiment_score":0.278270916806327},{"text":"You already had that in your portfolio.","start":953.04004,"end":954.82,"sentiment":"neutral","sentiment_score":0.18119307713849203},{"text":"Same with Osha's Europe.","start":956.0,"end":958.16003,"sentiment":"neutral","sentiment_score":0.15741566196084023}],"sentiment":"neutral","sentiment_score":0.19224795855973897,"channel":0,"num_words":38,"start":941.10504,"end":958.16003},{"sentences":[{"text":"You already had it in your portfolio, but about 6.03%.","start":958.16003,"end":962.58,"sentiment":"neutral","sentiment_score":0.13652001842856407},{"text":"Just increasing that up to about 9%.","start":962.88,"end":964.448,"sentiment":"neutral","sentiment_score":0.2495746612548828},{"text":"We've then taken out some of the other investments, We've then taken out some of the other investments for you and introduced again, to try to keep things very diversified, we've introduced about 5% through Japan, 8% through an investment that's called Vanguard All World.","start":964.448,"end":982.98,"sentiment":"neutral","sentiment_score":0.1697830913795365},{"text":"You may have heard of Vanguard before.","start":983.04,"end":984.82,"sentiment":"neutral","sentiment_score":0.016257520765066147}],"sentiment":"neutral","sentiment_score":0.15748209522470183,"channel":0,"num_words":69,"start":958.16003,"end":984.82},{"sentences":[{"text":"No.","start":987.105,"end":987.34503,"sentiment":"neutral","sentiment_score":-0.11479412019252776},{"text":"I haven't.","start":987.34503,"end":988.005,"sentiment":"neutral","sentiment_score":-0.12781444564461708}],"sentiment":"neutral","sentiment_score":-0.12347433716058731,"channel":1,"num_words":3,"start":987.105,"end":988.005},{"sentences":[{"text":"No?","start":988.0,"end":988.5,"sentiment":"neutral","sentiment_score":-0.11667037010192872},{"text":"No.","start":988.56,"end":989.06,"sentiment":"neutral","sentiment_score":-0.1674589961767197},{"text":"They're they're very big.","start":989.44,"end":990.56,"sentiment":"neutral","sentiment_score":-0.13218040950596333},{"text":"If you do research that, they are massive.","start":990.56,"end":992.66,"sentiment":"neutral","sentiment_score":-0.0517100440338254},{"text":"But, essentially, there's 8% in this investment.","start":993.435,"end":996.175,"sentiment":"neutral","sentiment_score":0.035821037366986275}],"sentiment":"neutral","sentiment_score":-0.046465909285914334,"channel":0,"num_words":21,"start":988.0,"end":996.175},{"sentences":[{"text":"And it does kind of invest in thousands of companies around the world, but it excludes The US because you already have pretty good exposure to The US in that iShares S and P 500.","start":997.195,"end":1009.13,"sentiment":"neutral","sentiment_score":0.05052112298352378},{"text":"I wanna make sure you don't have too much exposure to one market either.","start":1009.35004,"end":1012.73004,"sentiment":"neutral","sentiment_score":0.0723303561764104},{"text":"So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well.","start":1012.79004,"end":1019.77,"sentiment":"positive","sentiment_score":0.556463923143304}],"sentiment":"neutral","sentiment_score":0.2163824239331815,"channel":0,"num_words":72,"start":997.195,"end":1019.77},{"sentences":[{"text":"Yep.","start":1020.785,"end":1021.285,"sentiment":"neutral","sentiment_score":0.17418861389160156}],"sentiment":"neutral","sentiment_score":0.17418861389160156,"channel":1,"num_words":1,"start":1020.785,"end":1021.285},{"sentences":[{"text":"And then you have your defensive.","start":1021.19495,"end":1023.375,"sentiment":"neutral","sentiment_score":0.1675436794757843},{"text":"They have 5% in your fixed interest, and then you have 7% in gold as well to try not to stabilize things a little bit when things are fluctuating.","start":1023.51495,"end":1032.815,"sentiment":"neutral","sentiment_score":0.1627730048935989},{"text":"So that is essentially the portfolio.","start":1033.66,"end":1035.68,"sentiment":"neutral","sentiment_score":0.12851530561844507},{"text":"So some changes, but not changing everything for you.","start":1035.74,"end":1039.26,"sentiment":"neutral","sentiment_score":0.07600399272309409},{"text":"Does that kind of make sense, Daniel?","start":1039.26,"end":1041.04,"sentiment":"neutral","sentiment_score":0.10300862895590919}],"sentiment":"neutral","sentiment_score":0.13862925245050797,"channel":0,"num_words":57,"start":1021.19495,"end":1041.04},{"sentences":[{"text":"Yep.","start":1041.835,"end":1042.335,"sentiment":"neutral","sentiment_score":0.14059798419475555}],"sentiment":"neutral","sentiment_score":0.14059798419475555,"channel":1,"num_words":1,"start":1041.835,"end":1042.335},{"sentences":[{"text":"Yep.","start":1042.7,"end":1043.02,"sentiment":"neutral","sentiment_score":0.26226580142974854},{"text":"Beautiful.","start":1043.02,"end":1043.52,"sentiment":"positive","sentiment_score":0.6647850275039673},{"text":"Now if you wanted to go and have a bit more research on these investments, all the information is there for you.","start":1043.9,"end":1049.915,"sentiment":"neutral","sentiment_score":0.27097582072019577},{"text":"So in the appendix, I have included all the investment links.","start":1049.915,"end":1053.535,"sentiment":"neutral","sentiment_score":0.18928618864579635},{"text":"If you wanted to go and have a have a read over all the investments, all the information and transparency is there for you.","start":1053.755,"end":1059.93,"sentiment":"neutral","sentiment_score":0.17822077622016272}],"sentiment":"neutral","sentiment_score":0.22454178964687607,"channel":0,"num_words":59,"start":1042.7,"end":1059.93},{"sentences":[{"text":"That is just in the appendix.","start":1060.0901,"end":1061.63,"sentiment":"neutral","sentiment_score":0.0821333813170592}],"sentiment":"neutral","sentiment_score":0.0821333813170592,"channel":0,"num_words":6,"start":1060.0901,"end":1061.63},{"sentences":[{"text":"Alright.","start":1062.74,"end":1062.98,"sentiment":"neutral","sentiment_score":0.13684026896953583},{"text":"Two eighty.","start":1062.98,"end":1063.72,"sentiment":"neutral","sentiment_score":0.1510607674717903}],"sentiment":"neutral","sentiment_score":0.14632060130437216,"channel":1,"num_words":3,"start":1062.74,"end":1063.72},{"sentences":[{"text":"Yep.","start":1064.01,"end":1064.4901,"sentiment":"neutral","sentiment_score":0.2684914767742157},{"text":"Perfect.","start":1064.4901,"end":1064.9901,"sentiment":"positive","sentiment_score":0.543057918548584},{"text":"Now, otherwise, when it comes to the asset allocation, like I mentioned, we are aiming at around that ninety ten split.","start":1065.13,"end":1072.845,"sentiment":"neutral","sentiment_score":0.13564890906924293},{"text":"90% in your growth investments, 10 in the defensive.","start":1073.245,"end":1077.025,"sentiment":"neutral","sentiment_score":0.16631115393506157},{"text":"Your current portfolio is sitting at about 88.01% in growth, whereas the recommended is about 93.81.","start":1077.725,"end":1086.5399,"sentiment":"neutral","sentiment_score":0.19307434186339378}],"sentiment":"neutral","sentiment_score":0.1717951321043074,"channel":0,"num_words":48,"start":1064.01,"end":1086.5399},{"sentences":[{"text":"So a tiny bit more in growth, but both still very much aligning with that high growth portfolio to tryna maximize that growth for you.","start":1086.5399,"end":1094.96,"sentiment":"positive","sentiment_score":0.3676158457994461}],"sentiment":"positive","sentiment_score":0.3676158457994461,"channel":0,"num_words":25,"start":1086.5399,"end":1094.96},{"sentences":[{"text":"Yeah.","start":1095.8551,"end":1096.3551,"sentiment":"neutral","sentiment_score":0.1887430399656296}],"sentiment":"neutral","sentiment_score":0.1887430399656296,"channel":1,"num_words":1,"start":1095.8551,"end":1096.3551},{"sentences":[{"text":"Yep.","start":1096.86,"end":1097.36,"sentiment":"neutral","sentiment_score":0.19066181778907776},{"text":"The last thing I do wanna just let you know is just a remuneration.","start":1097.58,"end":1101.365,"sentiment":"neutral","sentiment_score":0.18614188794578826},{"text":"So like I mentioned during the under review, no changes whatsoever in regards to that fee structure for you.","start":1101.665,"end":1107.525,"sentiment":"neutral","sentiment_score":0.22291565725677892},{"text":"Stays exactly the same at that 1.65%, and there's no additional fees or charges whatsoever in regards to, obviously, this research and if you wanted to go ahead with the changes.","start":1107.665,"end":1118.64,"sentiment":"positive","sentiment_score":0.3384772096910784},{"text":"That was essentially everything I needed to touch on.","start":1119.6599,"end":1122.46,"sentiment":"positive","sentiment_score":0.38509151339530945}],"sentiment":"neutral","sentiment_score":0.28365760618770447,"channel":0,"num_words":74,"start":1096.86,"end":1122.46},{"sentences":[{"text":"So pretty straightforward.","start":1122.46,"end":1123.6,"sentiment":"positive","sentiment_score":0.4268592298030853},{"text":"But do you have any questions, or what are your thoughts on on it all?","start":1124.14,"end":1128.075,"sentiment":"neutral","sentiment_score":0.12410898605982462}],"sentiment":"neutral","sentiment_score":0.17456736001703474,"channel":0,"num_words":18,"start":1122.46,"end":1128.075},{"sentences":[{"text":"No.","start":1129.065,"end":1129.225,"sentiment":"neutral","sentiment_score":0.1037079617381096},{"text":"It all sounds pretty good.","start":1129.225,"end":1130.4249,"sentiment":"positive","sentiment_score":0.40214934945106506},{"text":"Like you said, I got plenty of time to","start":1130.4249,"end":1132.365,"sentiment":"neutral","sentiment_score":0.23903034296300676}],"sentiment":"neutral","sentiment_score":0.2843818530440331,"channel":1,"num_words":15,"start":1129.065,"end":1132.365},{"sentences":[{"text":"Yep.","start":1133.115,"end":1133.615,"sentiment":"neutral","sentiment_score":0.061512213200330734}],"sentiment":"neutral","sentiment_score":0.061512213200330734,"channel":0,"num_words":1,"start":1133.115,"end":1133.615},{"sentences":[{"text":"if there are if there are problems, we can sort of fix it out and","start":1133.3849,"end":1136.9249,"sentiment":"neutral","sentiment_score":-0.040342158451676366}],"sentiment":"neutral","sentiment_score":-0.040342158451676366,"channel":1,"num_words":15,"start":1133.3849,"end":1136.9249},{"sentences":[{"text":"Exactly.","start":1137.595,"end":1138.095,"sentiment":"neutral","sentiment_score":0.048998117446899414},{"text":"And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board.","start":1138.235,"end":1156.65,"sentiment":"neutral","sentiment_score":0.22623775490153003},{"text":"So it gives us that flexibility.","start":1156.8049,"end":1158.505,"sentiment":"neutral","sentiment_score":0.23455453167359033},{"text":"But at the same time, we don't wanna, you know, day trade your super.","start":1158.725,"end":1161.765,"sentiment":"neutral","sentiment_score":0.0748960091067212},{"text":"We do invest in investments that are very diversified and backed as well to give you that protection.","start":1161.765,"end":1168.4249,"sentiment":"neutral","sentiment_score":0.14311805408861902}],"sentiment":"neutral","sentiment_score":0.19221704551442104,"channel":0,"num_words":110,"start":1137.595,"end":1168.4249},{"sentences":[{"text":"Yep.","start":1170.9401,"end":1171.42,"sentiment":"neutral","sentiment_score":0.27648091316223145},{"text":"Sounds good.","start":1171.42,"end":1172.2401,"sentiment":"positive","sentiment_score":0.5053674578666687}],"sentiment":"positive","sentiment_score":0.42907194296518963,"channel":1,"num_words":3,"start":1170.9401,"end":1172.2401},{"sentences":[{"text":"Yep.","start":1172.085,"end":1172.37,"sentiment":"neutral","sentiment_score":0.2392634004354477},{"text":"Now, essentially, from here is obviously, if you wanna take some time and have a read over the documents, you are more than welcome to.","start":1174.21,"end":1181.59,"sentiment":"neutral","sentiment_score":0.1851246464252472},{"text":"Or if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally.","start":1182.29,"end":1191.055,"sentiment":"neutral","sentiment_score":0.1852408218383789},{"text":"It's the same as what you did for the annual review.","start":1191.055,"end":1193.395,"sentiment":"neutral","sentiment_score":0.2335070710290562},{"text":"It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1193.775,"end":1199.7151,"sentiment":"neutral","sentiment_score":0.3143394223668359}],"sentiment":"neutral","sentiment_score":0.2259814902430489,"channel":0,"num_words":84,"start":1172.085,"end":1199.7151},{"sentences":[{"text":"And I can then let the investments team know, and we can make those couple of changes for you.","start":1200.52,"end":1205.42,"sentiment":"neutral","sentiment_score":0.21044335161384783}],"sentiment":"neutral","sentiment_score":0.21044335161384783,"channel":0,"num_words":19,"start":1200.52,"end":1205.42},{"sentences":[{"text":"I've just done it now.","start":1206.2301,"end":1207.3501,"sentiment":"neutral","sentiment_score":0.16104111969470977},{"text":"You should I've got","start":1207.3501,"end":1208.835,"sentiment":"neutral","sentiment_score":0.10146122239530087}],"sentiment":"neutral","sentiment_score":0.13456116533941692,"channel":1,"num_words":9,"start":1206.2301,"end":1208.835},{"sentences":[{"text":"Alright.","start":1209.88,"end":1210.36,"sentiment":"neutral","sentiment_score":0.151658833026886},{"text":"Beautiful.","start":1210.36,"end":1210.86,"sentiment":"positive","sentiment_score":0.41634052991867065},{"text":"Let me refresh.","start":1210.92,"end":1211.98,"sentiment":"neutral","sentiment_score":0.2343246986468633},{"text":"Yep.","start":1215.9349,"end":1216.335,"sentiment":"neutral","sentiment_score":0.25925174355506897},{"text":"Perfect.","start":1216.335,"end":1216.815,"sentiment":"positive","sentiment_score":0.45656394958496094}],"sentiment":"neutral","sentiment_score":0.2838270217180252,"channel":0,"num_words":7,"start":1209.88,"end":1216.815},{"sentences":[{"text":"I can see that that's come through, which is great.","start":1216.815,"end":1219.375,"sentiment":"positive","sentiment_score":0.5142592459917068},{"text":"So","start":1219.375,"end":1219.615,"sentiment":"positive","sentiment_score":0.4072604477405548}],"sentiment":"positive","sentiment_score":0.5045320825143293,"channel":0,"num_words":11,"start":1216.815,"end":1219.615},{"sentences":[{"text":"it.","start":1219.5549,"end":1220.0549,"sentiment":"positive","sentiment_score":0.510161280632019}],"sentiment":"positive","sentiment_score":0.510161280632019,"channel":1,"num_words":1,"start":1219.5549,"end":1220.0549},{"sentences":[{"text":"thank you so much for that.","start":1219.615,"end":1220.735,"sentiment":"positive","sentiment_score":0.6341808140277863},{"text":"I will let the team know.","start":1220.735,"end":1221.9349,"sentiment":"positive","sentiment_score":0.4179502824942271},{"text":"We'll go ahead and make these couple of changes for you.","start":1221.9349,"end":1224.595,"sentiment":"positive","sentiment_score":0.3897971510887146},{"text":"You still have access to this document as well.","start":1224.735,"end":1227.3301,"sentiment":"neutral","sentiment_score":0.2892853418986003},{"text":"So if you ever wanna go back and have a read over it, you can always click click back into the email.","start":1227.3301,"end":1232.85,"sentiment":"neutral","sentiment_score":0.21226869320327585}],"sentiment":"neutral","sentiment_score":0.3310006401605076,"channel":0,"num_words":54,"start":1219.615,"end":1232.85},{"sentences":[{"text":"You can download the documents as well.","start":1232.85,"end":1234.79,"sentiment":"neutral","sentiment_score":0.2537370238985334},{"text":"It's always there for you.","start":1234.93,"end":1236.05,"sentiment":"positive","sentiment_score":0.3957715809345245},{"text":"If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues.","start":1236.05,"end":1245.0549,"sentiment":"neutral","sentiment_score":0.20786760980263352}],"sentiment":"neutral","sentiment_score":0.23651774058287794,"channel":0,"num_words":44,"start":1232.85,"end":1245.0549},{"sentences":[{"text":"Sounds good.","start":1246.075,"end":1246.895,"sentiment":"positive","sentiment_score":0.5222709774971008}],"sentiment":"positive","sentiment_score":0.5222709774971008,"channel":1,"num_words":2,"start":1246.075,"end":1246.895},{"sentences":[{"text":"Yep.","start":1247.115,"end":1247.5149,"sentiment":"neutral","sentiment_score":0.3319281041622162},{"text":"Beautiful.","start":1247.5149,"end":1248.0149,"sentiment":"neutral","sentiment_score":0.2157148718833923},{"text":"Now do you have any questions for me otherwise before I let you go and get on with your day,","start":1248.875,"end":1253.25,"sentiment":"neutral","sentiment_score":0.02451962255872786}],"sentiment":"neutral","sentiment_score":0.047183428510007536,"channel":0,"num_words":22,"start":1247.115,"end":1253.25},{"sentences":[{"text":"No.","start":1254.12,"end":1254.3601,"sentiment":"neutral","sentiment_score":-0.2191045731306076},{"text":"It was just about yeah.","start":1254.3601,"end":1255.4,"sentiment":"neutral","sentiment_score":-0.16532300412654877},{"text":"When I said about the mine super early, that that was pretty much the only one I had.","start":1255.4,"end":1259.02,"sentiment":"neutral","sentiment_score":-0.07696670521464613}],"sentiment":"neutral","sentiment_score":-0.10129667865112424,"channel":1,"num_words":24,"start":1254.12,"end":1259.02},{"sentences":[{"text":"Daniel?","start":1259.09,"end":1259.41,"sentiment":"neutral","sentiment_score":0.008403593674302101},{"text":"Yeah.","start":1259.41,"end":1259.81,"sentiment":"neutral","sentiment_score":0.07735572010278702},{"text":"Okay.","start":1259.81,"end":1260.21,"sentiment":"neutral","sentiment_score":0.3163444995880127},{"text":"Beautiful.","start":1260.21,"end":1260.71,"sentiment":"positive","sentiment_score":0.7279083728790283},{"text":"If there is anything else that we can help you with at any point in time, though, any questions, don't hesitate to give us a call.","start":1260.77,"end":1267.685,"sentiment":"neutral","sentiment_score":0.2973893703176425}],"sentiment":"neutral","sentiment_score":0.2954045271500945,"channel":0,"num_words":30,"start":1259.09,"end":1267.685},{"sentences":[{"text":"Okay?","start":1267.685,"end":1268.185,"sentiment":"neutral","sentiment_score":0.23770728707313535}],"sentiment":"neutral","sentiment_score":0.23770728707313535,"channel":0,"num_words":1,"start":1267.685,"end":1268.185},{"sentences":[{"text":"Sounds good.","start":1268.7749,"end":1269.595,"sentiment":"positive","sentiment_score":0.6872651875019073}],"sentiment":"positive","sentiment_score":0.6872651875019073,"channel":1,"num_words":2,"start":1268.7749,"end":1269.595},{"sentences":[{"text":"Okay.","start":1269.8451,"end":1270.245,"sentiment":"positive","sentiment_score":0.5283252000808716},{"text":"Beautiful.","start":1270.245,"end":1270.7251,"sentiment":"positive","sentiment_score":0.7841461896896362},{"text":"Well, thank you so much for your time today, and I hope you enjoy the rest of your day.","start":1270.7251,"end":1274.5851,"sentiment":"positive","sentiment_score":0.8103054134469283}],"sentiment":"positive","sentiment_score":0.7956321069172451,"channel":0,"num_words":21,"start":1269.8451,"end":1274.5851},{"sentences":[{"text":"Okay.","start":1275.069,"end":1275.569,"sentiment":"positive","sentiment_score":0.3888970911502838}],"sentiment":"positive","sentiment_score":0.3888970911502838,"channel":1,"num_words":1,"start":1275.069,"end":1275.569},{"sentences":[{"text":"Thanks.","start":1276.245,"end":1276.745,"sentiment":"positive","sentiment_score":0.6534593105316162},{"text":"Bye.","start":1276.805,"end":1277.305,"sentiment":"neutral","sentiment_score":-0.1130584552884102}],"sentiment":"neutral","sentiment_score":0.270200427621603,"channel":0,"num_words":2,"start":1276.245,"end":1277.305}]},"summary":{"result":"success","short":"Representatives from Refugee Financial call Daniel Lee to confirm his personal information and discuss his driving status. The representative emphasizes the importance of updating his risk profile and reassessing his investment strategy. The speaker recommends using the company's hub 24 option for personalized investment and the use of the new approach to investing in the portfolio. The speaker provides links to investment links for further research and transparency, and advises the customer to sign a document digitally to ensure they are happy to go ahead with the recommendation."},"intents":{"segments":[{"text":"Now, Daniel, 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. Yep.","start_word":55,"end_word":84,"intents":[{"intent":"Explain process","confidence_score":0.0023102264}]},{"text":"And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Daniel Lee.","start_word":87,"end_word":120,"intents":[{"intent":"Confirm identity","confidence_score":0.8876359},{"intent":"Provide contact details","confidence_score":0.015981378}]},{"text":"I keep being pretty quiet because I did not see it tonight. I slept this morning. I slept in. So Lovely.","start_word":149,"end_word":169,"intents":[{"intent":"Express frustration","confidence_score":0.00023048732}]},{"text":"If you have the option to do so, I have to send you an email with a recommendation to go through quickly. It just Yep.","start_word":195,"end_word":219,"intents":[{"intent":"Send recommendation","confidence_score":0.024561953}]},{"text":"If you have the option to do so, I have to send you an email with a recommendation to go through quickly. It just Yep. makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so. Is that the one that needs to be signed? Yes. Yep. Yeah.","start_word":195,"end_word":259,"intents":[{"intent":"Confirm sign-up request","confidence_score":0.000068406844}]},{"text":"So can you see the cover page where it says prepared for Daniel Lee? And there's, like, a photo of the Gold Coast in the Yep. background. Yeah.","start_word":268,"end_word":295,"intents":[{"intent":"Provide cover page","confidence_score":0.03552463}]},{"text":"But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long.","start_word":354,"end_word":396,"intents":[{"intent":"Arrange reading","confidence_score":0.0003994319}]},{"text":"Now if you wanna scroll to page 12, you should then see the actual recommendation. So it should say strategy recommendation at the top.","start_word":809,"end_word":832,"intents":[{"intent":"Determine optimal strategy","confidence_score":0.000104675695}]},{"text":"Now often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always. But where the kind of the big difference is that it's very limited when it comes through the investment choices.","start_word":1003,"end_word":1044,"intents":[{"intent":"Address investment choices","confidence_score":0.0068238107}]},{"text":"But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation.","start_word":1345,"end_word":1372,"intents":[{"intent":"Explain research process","confidence_score":0.0072913473}]},{"text":"It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years. You can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you. Sounds good.","start_word":1695,"end_word":1756,"intents":[{"intent":"Save fees","confidence_score":0.45105574}]},{"text":"Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62. Can you see that?","start_word":1757,"end_word":1789,"intents":[{"intent":"Reduce tax","confidence_score":0.011612561}]},{"text":"Now if you then can scroll down for me to page 17, you should have a investment table. Yep.","start_word":2002,"end_word":2020,"intents":[{"intent":"Discuss investment table","confidence_score":0.028470488}]},{"text":"This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment. Yep.","start_word":2044,"end_word":2066,"intents":[{"intent":"Clarify investment process","confidence_score":0.001116349}]},{"text":"So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred. This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX.","start_word":2411,"end_word":2448,"intents":[{"intent":"Offer investment options","confidence_score":0.00019586923}]},{"text":"I wanna make sure you don't have too much exposure to one market either. So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well. Yep.","start_word":2744,"end_word":2781,"intents":[{"intent":"Discuss portfolio changes and investment options","confidence_score":0.0008447663}]},{"text":"And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board. So it gives us that flexibility.","start_word":3105,"end_word":3181,"intents":[{"intent":"Share options","confidence_score":9.143097e-7}]},{"text":"Or if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally. It's the same as what you did for the annual review. It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation. And I can then let the investments team know, and we can make those couple of changes for you.","start_word":3243,"end_word":3319,"intents":[{"intent":"Offer recommendations","confidence_score":0.025845623}]},{"text":"I can see that that's come through, which is great. So it.","start_word":3336,"end_word":3347,"intents":[{"intent":"Confirm readiness","confidence_score":0.001260146}]},{"text":"You still have access to this document as well. So if you ever wanna go back and have a read over it, you can always click click back into the email. You can download the documents as well. It's always there for you. If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues.","start_word":3371,"end_word":3445,"intents":[{"intent":"Update documents","confidence_score":0.05074753}]},{"text":"Beautiful.","start_word":3449,"end_word":3449,"intents":[{"intent":"End conversation","confidence_score":0.0075544477}]}]},"sentiments":{"segments":[{"text":"Hi there. Hey. Is this Daniel? Yeah. It's Veronica from Refugee Financial. How are you? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.09565771371126176},{"text":"Good. Thanks. How are you? Good.","start_word":16,"end_word":21,"sentiment":"positive","sentiment_score":0.4761140346527099},{"text":"You got a little bit of time for me? It shouldn't take Yeah. too I got long time now. Yeah. Sorry. I was just in the post office. today. No. That's all good. Now, Daniel, 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. Yep. Yep.","start_word":22,"end_word":85,"sentiment":"neutral","sentiment_score":0.03396634757518768},{"text":"Beautiful.","start_word":86,"end_word":86,"sentiment":"positive","sentiment_score":0.4830085039138794},{"text":"And just to confirm I'm speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Daniel Lee. Date of birth, six the ninth ninety two. My address is 31 Muskell Circuit, Mudgee, New South Wales. Yep.","start_word":87,"end_word":139,"sentiment":"neutral","sentiment_score":0.06516965478658676},{"text":"Beautiful.","start_word":140,"end_word":140,"sentiment":"positive","sentiment_score":0.46723055839538574},{"text":"And how's your day been? Been busy? No. I keep being pretty quiet because I did not see it tonight. I slept this morning. I slept in.","start_word":141,"end_word":167,"sentiment":"neutral","sentiment_score":-0.09963919967412949},{"text":"So Lovely.","start_word":168,"end_word":169,"sentiment":"positive","sentiment_score":0.3421286344528198},{"text":"yeah. It's been pretty Now good. yeah. Now, Daniel, are you driving at the moment? No. I'm pulled over at the moment. No. Okay. Perfect. If you have the option to do so, I have to send you an email with a recommendation to go through quickly. It just Yep. makes it a little bit easier for you if you can see it at the same time as long as it's obviously safe for you to do so. Is that the one that needs to be signed? Yes. Yep. Yeah. No worries. I've got that open. Okay. Perfect. So can you see the cover page where it says prepared for Daniel Lee? And there's, like, a photo of the Gold Coast in the Yep. background. Yeah. Perfect. Now you will see that this document is 27 pages. A lot of it is just compliance.","start_word":170,"end_word":313,"sentiment":"neutral","sentiment_score":0.12944480776786804},{"text":"It is pretty straightforward today.","start_word":314,"end_word":318,"sentiment":"positive","sentiment_score":0.3799087703227997},{"text":"But every time we do make a recommendation, we to put everything in a statement of advice for you just to make sure they fully understand everything and that you are happy with the recommendation. But like I said, it is pretty straightforward today, so I will just kind of cover the main points, and then I'll let you have a read over the rest in your own time just so I don't keep you for too long. No. No worries. Now otherwise, Daniel, you will see on the cover page there my details listed. You'll see my authorized representative number, and I am licensed under OTU Financial. Now Yep. if you want to scroll to the second page for me, it should talk a little bit about the best interest duty. Can you see that? Yep. Do you remember ever hearing about that before? But I'm trying to think. Probably. I probably have. Yeah. Yeah. No. That's all good. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself 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. Yep.","start_word":319,"end_word":526,"sentiment":"neutral","sentiment_score":0.11807321757078172},{"text":"Beautiful.","start_word":527,"end_word":527,"sentiment":"positive","sentiment_score":0.5748286247253418},{"text":"Now I'll probably get you just to kind of scroll through with me. So you will see table of contents, pretty self explanatory. You will then have scope of advice. So page three, if you can see that. Yep. Yep. But, basically, this just talks about the areas we are looking at in today's statement of advice.","start_word":528,"end_word":584,"sentiment":"neutral","sentiment_score":0.1869625449180603},{"text":"So simply today, very straightforward.","start_word":585,"end_word":589,"sentiment":"positive","sentiment_score":0.3784533143043518},{"text":"We are just looking at your superannuation, particularly your investments to see if we wanted to make any changes to any of your investments. Not making changes to insurances or anything else. Otherwise, it is literally just those super investments. All Yep. make sense so far? Yep.","start_word":590,"end_word":636,"sentiment":"neutral","sentiment_score":0.13601548969745636},{"text":"Beautiful.","start_word":637,"end_word":637,"sentiment":"positive","sentiment_score":0.5475460290908813},{"text":"Yep. Now if you want to scroll down for me through page nine. So what you scroll through, you'll have just some information just about you, your assets, what we went through over the annual review, just about your superannuation, your clear view policy, which then should take you to your risk profile page, which is page Yep. nine. Yep.","start_word":638,"end_word":697,"sentiment":"neutral","sentiment_score":0.0844444381693999},{"text":"Perfect.","start_word":698,"end_word":698,"sentiment":"positive","sentiment_score":0.5206909775733948},{"text":"Sorry. We are not making any changes when it comes to your risk profile. You are currently in a high growth portfolio, and you came out kind of borderline between that growth and high growth during the annual review, but the high growth is still very much suitable for you. You still have plenty of time until you can access the money when you retire to take advantage of those ups and downs in the market to try to grow your super as much as possible, but not making changes to your risk profile. Literally just changing a few of the investments around for you. Yeah. That's fine. Yep.","start_word":699,"end_word":807,"sentiment":"neutral","sentiment_score":0.10486269742250444},{"text":"Perfect.","start_word":808,"end_word":808,"sentiment":"positive","sentiment_score":0.538164496421814},{"text":"Now if you wanna scroll to page 12, you should then see the actual recommendation. So it should say strategy recommendation at the top. Yep. Yep.","start_word":809,"end_word":834,"sentiment":"neutral","sentiment_score":0.1351032257080078},{"text":"Beautiful.","start_word":835,"end_word":835,"sentiment":"positive","sentiment_score":0.5278405547142029},{"text":"So part of the research is I also considered other super funds for you just to make sure hub twenty four is still the best option. There's always new products and features that comes out to the market, so it is good to kind of just go and reassess every now and then just to make sure. There's nothing tying us, obviously, to hub 24, so it is good to do the research just to make sure it's the best option for you. And I after had a question with doing the yes. that. So is there a reason why someone like mine super wasn't recommended? Because a lot of like, that's what they recommend at work when you like, that's the automatic one they get put on. Yes. So without having the direct comparison, I can't say, specifically, but part of the research that we consider is everything. So we look at a bunch of different super funds to determine what's the best for you. Now often with those kind of standard industry funds is that they they sometimes can be a little bit cheaper, not always. But where the kind of the big difference is that it's very limited when it comes through the investment choices. So we can't then construct the same kind of portfolio and give you the same returns as you can in something like HUB24 Because with HUB24, Okay. you have, like, hundreds of different options to choose from. Whereas, like, MindSuper or AustralianSuper or with Australian Retirement Trust Receiver, for any of them, if you ever have a look at their, like, investment menu, it's very limited. Sometimes there's, like, 10, it's very limited. Sometimes there's, like, ten, fifteen, maybe 20 options max, whereas hub 24, there's hundreds. So because Yeah. of that, Gotcha. it gives us a lot more flexibility in changing investments and putting together your portfolio. So often, it becomes a lot more competitive because you can't, like, achieve the same kind of diversification and outcome in the industry funds. Funds. So that is something that I looked at now when I did the research for you as well. Considered just making sure that hub twenty four was still the best option. And, yeah, often, it's more so because, ultimately, what grows your super and what makes a difference how you can invest the money. At the end of the day, like, Hub24, Mindsoup, AustralianSuper, they're just like a platform that holds your money at the end of the day. It's kind of what you can invest the money that into that makes your money grow, if that makes Yeah. sense. Yep. And sometimes there is also certain, like, industries and stuff that do have a just like a default option that everyone goes into. That's not to say that that's always the best option because it's very obviously individualized what we do for you as well. Yeah. Does that answer that question for you, Daniel? Yeah. Yeah.","start_word":836,"end_word":1333,"sentiment":"neutral","sentiment_score":0.0806669071316719},{"text":"It's all good.","start_word":1334,"end_word":1336,"sentiment":"positive","sentiment_score":0.48587048053741455},{"text":"Yep.","start_word":1337,"end_word":1337,"sentiment":"neutral","sentiment_score":0.1914198100566864},{"text":"Thank you.","start_word":1338,"end_word":1339,"sentiment":"positive","sentiment_score":0.5460347533226013},{"text":"Yep. No. That's all good. But, yes, so part of the research is factoring in capital gains tax, your risk tolerance, investments, objectives, time frame, everything before I then obviously made a recommendation. And like I said, I have recommended right now that you do stay in Hub twenty four and just change some of your investments around. I do use Hub twenty four for my personal super as well. And if it wasn't the best option for you, I wouldn't recommend it, and I wouldn't use it myself either. Yeah.","start_word":1340,"end_word":1430,"sentiment":"neutral","sentiment_score":0.0018682685913518071},{"text":"That sounds good then. Yeah. All good.","start_word":1431,"end_word":1437,"sentiment":"positive","sentiment_score":0.40443363785743713},{"text":"Now if you can scroll down to page 15 for me, it kind of summarizes the recommendation in a nice little table. Yep. Yep.","start_word":1438,"end_word":1461,"sentiment":"neutral","sentiment_score":0.1985643357038498},{"text":"Perfect.","start_word":1462,"end_word":1462,"sentiment":"positive","sentiment_score":0.3632040023803711},{"text":"So what you can see here is, like, basically, the pages that you scroll through, it talks about advantages and risks and disadvantages to be mindful of. But I find that looking at this table sometimes makes it a little bit easier. So you can see here that with, obviously, contributions the same, insurance is the same, fees the same, By changing some of your investments around, it is saving you about $459 per year, which does add up when you do compound things.","start_word":1463,"end_word":1546,"sentiment":"neutral","sentiment_score":0.2099939286708832},{"text":"So that is literally Yep. just changing some of the investments, which I thought was pretty good.","start_word":1547,"end_word":1563,"sentiment":"positive","sentiment_score":0.39413052797317505},{"text":"Now when it comes through the performance, so you can see here that both are high growth portfolio. You can then also see the five year rolling average. So you can see that the recommended portfolio has outperformed your current loan by quite a bit. Now, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the market, but that is why we use a five year rolling average when we are projecting things for you. Because using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty of what has happened to the portfolio and the market as well. Does that make sense, Daniel? Yeah. Yep. So the the recommended is performing a bit better.","start_word":1564,"end_word":1693,"sentiment":"neutral","sentiment_score":0.17431537806987762},{"text":"It's saving you fees, which is great, which is what you can then see on kind of the bottom of that page versus five and ten years. You can then kind of see those little changes projected forward five and ten years, and that it does make a pretty big difference by just changing a few things around for you. Sounds good.","start_word":1694,"end_word":1755,"sentiment":"positive","sentiment_score":0.43711262941360474},{"text":"Yep. Now the one thing I do wanna let you know, so on the top of this page versus balance, and you see a difference, just as a minus $62. Can you see that? Yep. Yep. So, basically, what this is is the estimated capital gains tax. So when we do sell investments, there are sometimes capital gains tax to be paid when you're selling an investment. Similar to, like, if you were to sell an investment property, the same does kind of take place within the super environment. So it is kind of separating that you don't have to pay for anything personally. It's not like you have to declare anything on your tax return, but it does take place within the super environment as well. So we obviously wanna minimize that as much as possible. And if I were to sell all your investments, like, change everything, the estimated capital gains tax would have been about 1,814. So, obviously, we wanna minimize that by still making sure we change out any investments necessary. So it's estimated necessary. So it's estimated it'll just be about $62. So it's not too much, but something I do wanna let you Yeah. That's fine. know. Yep.","start_word":1756,"end_word":1959,"sentiment":"neutral","sentiment_score":0.04067602381110191},{"text":"Beautiful.","start_word":1960,"end_word":1960,"sentiment":"positive","sentiment_score":0.39616483449935913},{"text":"Now, obviously, prices can change, obviously, with the market, but it will be around that 62, which is pretty good. Yeah. Yep. Any questions in regards to that? Oh, that's pretty straightforward. No. That's all. Pretty straightforward. Yep.","start_word":1961,"end_word":1998,"sentiment":"neutral","sentiment_score":0.1829180121421814},{"text":"Perfect.","start_word":1999,"end_word":1999,"sentiment":"positive","sentiment_score":0.38730424642562866},{"text":"Yeah. Perfect. Now if you then can scroll down for me to page 17, you should have a investment table. Yep. Yep. So this kind of outlines what the changes are that I have recommended for you when it comes to the investment. This can look a little bit messy sometimes, but you'll have the first column where it's basically what they're called, the investment. Yep. You then have the kind of special little code. You have current weight, so how much you currently have invested in each option, what that looks like from a dollar value, and then you have the buy and sell column. So this one here, whatever is highlighted in red is either what we are selling or just reducing your exposure to a little bit. Black Yep. is what we are either increasing exposure to or adding to your portfolio. And then you also have the target way again and the balance. Now when it comes to the actual portfolio, how we put together everything hasn't changed. It's still very much using that core satellite approach to investing. Do you remember ever hearing about that before, or do you know much about what that looks like, Daniel? No. Not really. No. So, basically, what it means is that we invest majority of the funds in the core, which essentially represents the backbone of the portfolio. These are kind of like your passive index funds that have done really well in the past and are very diversified. So these are, like, your biggest holdings. So for example, you have 35% in iShares S and P five hundred. You already had 28% in this investment. It's just increasing the exposure a little bit. Now with this one investment, it is essentially investing in the 500 largest companies listed in The US. So, obviously, a very diversified investment because you have 500 different companies and, obviously, very big. So if something would happen to one company, it won't impact things as much because you do have very diversified. So that's why that one is part of your core investment. Now we also then wanna make sure we have some Australian exposure. Now in your current portfolio, you had Benelon Australian equity in the portfolio. This is the one I kind of talked about a little bit during the under review that I wanted to do some research and potentially switch out for you if you remember. Yep. Yep. So what we have introduced instead is the third one from the bottom where it says BetaShares Australia two hundred. This one, kind of like the name suggests, invest in the 200 largest companies listed on the ASX. So you will have, like, Commonwealth and BHP, Woolworths, all the big companies again, but in Australia, because we wanna make sure we diversify things. We don't want just just everything in The US or everything in Australia. We wanna keep things very diversified across the different markets to protect you as well. Does that make sense? Yeah. Yep.","start_word":2000,"end_word":2506,"sentiment":"neutral","sentiment_score":0.15491292142186175},{"text":"Yep. Beautiful.","start_word":2507,"end_word":2508,"sentiment":"positive","sentiment_score":0.47501999139785767},{"text":"Then you have what we call your satellite investments. Now these can be a little bit more like dynamic and specialized. They tend to target specific, you know, sectors, regions, or assets, and that is what's going to maximize the growth for you. But they can be a little bit more volatile, and that is why they only represent a smaller portion of your portfolio. So for Yep. example, you have cybersecurity in the investment. You already had that one, but that was at about 5.84%. It is just bringing that back up through 6%. You already had that in your portfolio. Same with Osha's Europe. You already had it in your portfolio, but about 6.03%. Just increasing that up to about 9%. We've then taken out some of the other investments, We've then taken out some of the other investments for you and introduced again, to try to keep things very diversified, we've introduced about 5% through Japan, 8% through an investment that's called Vanguard All World. You may have heard of Vanguard before. No. I haven't. No? No. They're they're very big. If you do research that, they are massive. But, essentially, there's 8% in this investment. And it does kind of invest in thousands of companies around the world, but it excludes The US because you already have pretty good exposure to The US in that iShares S and P 500. I wanna make sure you don't have too much exposure to one market either.","start_word":2509,"end_word":2756,"sentiment":"neutral","sentiment_score":0.11648367826015718},{"text":"So this one is very good and diversified because it kind of invests all across Europe and Asia and emerging markets as well.","start_word":2757,"end_word":2779,"sentiment":"positive","sentiment_score":0.5550281405448914},{"text":"Yep. And then you have your defensive. They have 5% in your fixed interest, and then you have 7% in gold as well to try not to stabilize things a little bit when things are fluctuating. So that is essentially the portfolio. So some changes, but not changing everything for you. Does that kind of make sense, Daniel? Yep. Yep.","start_word":2780,"end_word":2839,"sentiment":"neutral","sentiment_score":0.14417481422424316},{"text":"Beautiful.","start_word":2840,"end_word":2840,"sentiment":"positive","sentiment_score":0.6647850275039673},{"text":"Now if you wanted to go and have a bit more research on these investments, all the information is there for you. So in the appendix, I have included all the investment links. If you wanted to go and have a have a read over all the investments, all the information and transparency is there for you. That is just in the appendix. Alright. Two eighty. Yep.","start_word":2841,"end_word":2907,"sentiment":"neutral","sentiment_score":0.19509458541870117},{"text":"Perfect.","start_word":2908,"end_word":2908,"sentiment":"positive","sentiment_score":0.543057918548584},{"text":"Now, otherwise, when it comes to the asset allocation, like I mentioned, we are aiming at around that ninety ten split. 90% in your growth investments, 10 in the defensive. Your current portfolio is sitting at about 88.01% in growth, whereas the recommended is about 93.81.","start_word":2909,"end_word":2954,"sentiment":"neutral","sentiment_score":0.15768374502658844},{"text":"So a tiny bit more in growth, but both still very much aligning with that high growth portfolio to tryna maximize that growth for you.","start_word":2955,"end_word":2979,"sentiment":"positive","sentiment_score":0.36744242906570435},{"text":"Yeah. Yep. The last thing I do wanna just let you know is just a remuneration. So like I mentioned during the under review, no changes whatsoever in regards to that fee structure for you.","start_word":2980,"end_word":3014,"sentiment":"neutral","sentiment_score":0.2053038775920868},{"text":"Stays exactly the same at that 1.65%, and there's no additional fees or charges whatsoever in regards to, obviously, this research and if you wanted to go ahead with the changes. That was essentially everything I needed to touch on. So pretty straightforward.","start_word":3015,"end_word":3057,"sentiment":"positive","sentiment_score":0.3544904887676239},{"text":"But do you have any questions, or what are your thoughts on on it all? No.","start_word":3058,"end_word":3073,"sentiment":"neutral","sentiment_score":0.12015503644943236},{"text":"It all sounds pretty good.","start_word":3074,"end_word":3078,"sentiment":"positive","sentiment_score":0.3833297193050385},{"text":"Like you said, I got plenty of time to Yep. if there are if there are problems, we can sort of fix it out and Exactly. And that's also why we do thing keep things very diversified because, obviously, we can the good thing we have 24 is, like I said earlier, there's hundreds of options for us to choose from that we can then make little tweaks and changes depending on what's going on in the world and the market, kind of like we're doing now from your old original portfolio when you came on board. So it gives us that flexibility. But at the same time, we don't wanna, you know, day trade your super. We do invest in investments that are very diversified and backed as well to give you that protection. Yep.","start_word":3079,"end_word":3214,"sentiment":"neutral","sentiment_score":0.16616377606987953},{"text":"Sounds good.","start_word":3215,"end_word":3216,"sentiment":"positive","sentiment_score":0.49054452776908875},{"text":"Yep. Now, essentially, from here is obviously, if you wanna take some time and have a read over the documents, you are more than welcome to. Or if you are happy to go ahead with the recommendation in order to move forward, it would just be to sign the document digitally. It's the same as what you did for the annual review. It will then automatically come back to me, and that tells me that you are happy to go ahead with the recommendation. And I can then let the investments team know, and we can make those couple of changes for you. I've just done it now. You should I've got Alright.","start_word":3217,"end_word":3329,"sentiment":"neutral","sentiment_score":0.2098442018032074},{"text":"Beautiful.","start_word":3330,"end_word":3330,"sentiment":"positive","sentiment_score":0.41634052991867065},{"text":"Let me refresh. Yep.","start_word":3331,"end_word":3334,"sentiment":"neutral","sentiment_score":0.2487427294254303},{"text":"Perfect. I can see that that's come through, which is great. So it. thank you so much for that. I will let the team know. We'll go ahead and make these couple of changes for you.","start_word":3335,"end_word":3370,"sentiment":"positive","sentiment_score":0.471665233373642},{"text":"You still have access to this document as well. So if you ever wanna go back and have a read over it, you can always click click back into the email. You can download the documents as well.","start_word":3371,"end_word":3408,"sentiment":"neutral","sentiment_score":0.23982539772987368},{"text":"It's always there for you.","start_word":3409,"end_word":3413,"sentiment":"positive","sentiment_score":0.383173406124115},{"text":"If you do have any issues accessing the documents, just let us know, and we can always send you an email as well with the documents if you ever have any issues.","start_word":3414,"end_word":3445,"sentiment":"neutral","sentiment_score":0.20710524916648865},{"text":"Sounds good.","start_word":3446,"end_word":3447,"sentiment":"positive","sentiment_score":0.5090556144714355},{"text":"Yep.","start_word":3448,"end_word":3448,"sentiment":"neutral","sentiment_score":0.3319281041622162},{"text":"Beautiful.","start_word":3449,"end_word":3449,"sentiment":"positive","sentiment_score":0.6155173182487488},{"text":"Now do you have any questions for me otherwise before I let you go and get on with your day, No. It was just about yeah. When I said about the mine super early, that that was pretty much the only one I had. Daniel? Yeah. Okay.","start_word":3450,"end_word":3496,"sentiment":"neutral","sentiment_score":-0.03016657754778862},{"text":"Beautiful.","start_word":3497,"end_word":3497,"sentiment":"positive","sentiment_score":0.7279083728790283},{"text":"If there is anything else that we can help you with at any point in time, though, any questions, don't hesitate to give us a call. Okay?","start_word":3498,"end_word":3524,"sentiment":"neutral","sentiment_score":0.27547764778137207},{"text":"Sounds good. Okay. Beautiful. Well, thank you so much for your time today, and I hope you enjoy the rest of your day. Okay. Thanks. Bye.","start_word":3525,"end_word":3550,"sentiment":"positive","sentiment_score":0.7102113962173462}],"average":{"sentiment":"neutral","sentiment_score":0.1501648145053476}}}}