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Now I know I am calling you out of the blue, but I was going to check if you had about fifteen minutes, so sorry, for me to go through the research I did on your super investment with you. No. That is no stress. And because it's pretty straightforward today, I'm happy to just kind of touch on what the recommendations are. And then, obviously, later when you are home and it's safe for you to do so, just have a look through. And then if you have any questions, you can always just give me a callback. Yep. Okay. Beautiful. Now before I do go any further, just per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And even though I can hear that it is you, can I just get you to confirm your full name, date of birth, and address, please? No. It's yeah. I spoke to you not too long ago. I spoke to you not too long ago, so I remember. Yep. Beautiful. Had a busy day so far at work. Yeah. Yes. So that's a bit of a bit of a drive. How far are you? Oh, yeah. Almost there. Yeah. Well, I won't keep you for too long. But like I said, Richard, obviously, after the under review, I did some research on your super investments, and I have made some minor recommendations to change a couple of things. Not very big, but every time we do make a recommendation for you, we have to put everything in a statement of advice. So that is what I have just emailed you. Now it is quite long. It is just for compliance purposes as well, just so making sure that you fully understand everything. But it is pretty straightforward today. The purpose was to just review your superannuation, and that's it. Not changing anything with insurance or anything else. Just literally reviewing your super. So part of the research is also I made some research on your current Hub twenty four account as well just to make sure it was still the best option for you because there's always new super funds out there. There's always new products and features, and it is good to reassess every now and then just to make sure because there's nothing obviously tying us to hub twenty four. So part of the research I did just look at other funds as well just to see how it still compares. And it's still very much competitive. So I have recommended that we stay in hub twenty four and literally just kind of change two investments around. It's very competitive when it comes to their fees and features and investment choices, and I do use hub twenty four for my personal as well. But like I said, I have recommended you stay in hub twenty four. Just change a couple of investments around. Now what those changes actually kind of looks like for you, even though it's only changing two investments and rebalancing your portfolio, so so not very major changes, it is actually saving you about $1,245 in investment fees, which is pretty crazy. Yeah. So it's making things a little bit cheaper for you, which obviously means less fees coming out. You have more money in super to grow for your retirement, which is great. Now when it comes to the performance as well, so, again, just changing through investments and rebalancing, it is improving the performance by about 1.68%. So it might not sound major, but, again, kind of that with compounding fee savings, it does make a pretty big difference. Now, obviously, with the performance, you can't guarantee guarantee anything. You can't guarantee what's going to happen in the market. So that is why we use when we do the research, a five year period. So we look at a five year period of time, averaging that out on a yearly basis to then kind of give us the the average return to give us a little bit more certainty of what has actually happened. Does that make sense, Richard? Yes. Beautiful. And with those little changes, it is when we're forecasting forward for five years. So I have done five and ten years for you in the document. But when we are looking at just a five year period, it's making a difference of about 46,000, which is pretty crazy. Yeah. Now we are not changing your risk profile, so we are keeping you in a high growth portfolio. It's very suitable for you. You still have plenty of time with your retirement to take advantage of trying to grow that super as much as possible. So not making any changes when it comes to the risk profile. Now when we're also looking at a longer period of time with performance, a 12, three years, five, and ten years, the recommended portfolio has outperformed your current one across all time frames, which, again, is really good. Yep. Now with the little investment changes, the ones I have recommended, it's just making true changes. Now one is swapping your Benelong Australian equity. This was the one I touched on during the under review that I wanted to look at in a bit more detail because it had kind of underperformed a little bit recently, if you remember that. Yeah. So I have recommended that we sell out of Venelon, and instead, I have recommended that we introduce one that's called the BetaShares Australia three hundred. So because we are selling one Australian investment, we wanna look at another Australian investment and give you kind of a good exposure across the world, but also still making sure we keep things diversified. So trying to find a similar investment, a little bit more simplified, has performed a bit better, and it's a bit cheaper. So the BetaShares Australia two hundred, it is pretty straightforward in that how it works is that it just invests in the 200 largest companies listed in Australia. So, obviously, being invested in 200 companies within that one single investment, it gives you a lot of And it also means you're not gonna have that same kind of buying and selling frequency that you had with Benelon. So a little bit smoother for you while still making sure we maximize that growth. So that change I have recommended. The other change for you, it is just changing out the one of your defensive investment, which is the bank hybrids. They are actually phasing out this investment completely. So instead, I've just introduced just another fixed interest to keep things very simple. One, actually, we have some some defensive investments, and that's just a fixed interest called Compass at Botch. So very straightforward. And then the other thing I have recommended, it's just that we rebalance your portfolio, which is something we'd like to do every now and then as well. Basically, what rebalancing means is, obviously, investments within your suit that do fluctuate the market movement. So that can cause some investments to get a higher exposures and some to get a lower exposure. So rebalancing basically just means bringing everything back into alignment for me for you, for making sure it still kind of maintains the appropriate diversification, but also just make sure that your portfolio continues to reflect the level of risk that is suitable for you so that you don't take on too much or too little risk. It's just kind of reshuffling everything back to alignment, if that makes sense. Yeah. Now the good thing as well with the just making these couple of changes, Richard, is that sometimes when we do sell investments, there is something that's called a capital gains tax that will come out when we do sell investments. So, like, similar to if you were to sell an investment property, there there can be that tax. Now it is kind of separate, so it's all within the super environment. It's not something you pay for yourself personally, but it is obviously coming out of your super. It's not something you ever have to declare on a tax statement. But a good thing is that if we were to swap all your investments around, the capital gains tax, because your investments have done really well, which is great, would have been about $6,489. So it's a pretty hefty. So I obviously wanna make sure we we do that for you. So the little changes I have recommended, swapping those through investments and rebalancing, it is estimated to trigger no capital gains tax at all, which is great. Yep. Beautiful. And that was essentially everything. So like I said, pretty straightforward. Keeping you up 24 things are going really well. It's just swapping two investments out for other ones that's a little bit cheaper, has performed a little bit better, and then kind of bringing everything back into alignment for you. I have also included some information in regards to a will and power of attorney in there for you. It is something I always recommend everyone to consider. So it's all in there for you for you to have a bit of a read over, and that was essentially everything. So so pretty straightforward. Do you have any questions for me, Richard, on any of that? Not make sense? Yeah. Okay. Beautiful. So, essentially, from here, obviously, when you have time and when it's safe to do so, just go to your email. You will have that kind of same link for me. It it will then allow you to open up the document and have a look at it. If you have any questions, just you can just give me a callback. If not, if you read through it, it all makes sense you are happy to move forward. It would now be through click sign on the documents, the same as what you did for the annual review documents. It will then automatically send it back to me. And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you. Yep. Beautiful. Now the last thing before I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week. Oh, thank you very much. So what I will Oh, thank you very much. So what I will actually do as well today is just to send you a bit of a introduction email just to my colleague, Jenna, who is kind of just taking over for me while I am away. I will be away for about twelve months. So that way you have her direct contact details, and then she will kind of oversee as well the implementation of these investment changes if you're happy with them and make sure everything gets actioned smoothly for you. Yep. Perfect. Do you have any questions for me before I let you go otherwise? It's a little girl. Yeah. This is yeah. My my first one. Very, very excited. Yeah. That's what everyone tells me. Yes. Yes. But no. Very, very, very exciting. Yeah. Yeah. Perfect. Well, keep a lookout for that email. I will send you that today. And then, yeah, otherwise, have a look through that document, and we'll get those investments stored for you. No worries, Richard, and have a safe drive with everything for you. Alright. We'll speak later. Thank you so much. Alright. 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afternoon. Is this Richard? This is Veronica from ICU Financial. How are you? No worries.\n\nThat is all good. Now I know I am calling you out of the blue, but I was going to check if you had about fifteen minutes, so sorry, for me to go through the research I did on your super investment with you. No. That is no stress. And because it's pretty straightforward today, I'm happy to just kind of touch on what the recommendations are.\n\nAnd then, obviously, later when you are home and it's safe for you to do so, just have a look through. And then if you have any questions, you can always just give me a callback. Yep. Okay. Beautiful.\n\nNow before I do go any further, just per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And even though I can hear that it is you, can I just get you to confirm your full name, date of birth, and address, please? No.\n\nIt's yeah. I spoke to you not too long ago. I spoke to you not too long ago, so I remember. Yep. Beautiful.\n\nHad a busy day so far at work. Yeah. Yes. So that's a bit of a bit of a drive. How far are you?\n\nOh, yeah. Almost there. Yeah. Well, I won't keep you for too long. But like I said, Richard, obviously, after the under review, I did some research on your super investments, and I have made some minor recommendations to change a couple of things.\n\nNot very big, but every time we do make a recommendation for you, we have to put everything in a statement of advice. So that is what I have just emailed you. Now it is quite long. It is just for compliance purposes as well, just so making sure that you fully understand everything. But it is pretty straightforward today.\n\nThe purpose was to just review your superannuation, and that's it. Not changing anything with insurance or anything else. Just literally reviewing your super. So part of the research is also I made some research on your current Hub twenty four account as well just to make sure it was still the best option for you because there's always new super funds out there. There's always new products and features, and it is good to reassess every now and then just to make sure because there's nothing obviously tying us to hub twenty four.\n\nSo part of the research I did just look at other funds as well just to see how it still compares. And it's still very much competitive. So I have recommended that we stay in hub twenty four and literally just kind of change two investments around. It's very competitive when it comes to their fees and features and investment choices, and I do use hub twenty four for my personal as well. But like I said, I have recommended you stay in hub twenty four.\n\nJust change a couple of investments around. Now what those changes actually kind of looks like for you, even though it's only changing two investments and rebalancing your portfolio, so so not very major changes, it is actually saving you about $1,245 in investment fees, which is pretty crazy. Yeah. So it's making things a little bit cheaper for you, which obviously means less fees coming out. You have more money in super to grow for your retirement, which is great.\n\nNow when it comes to the performance as well, so, again, just changing through investments and rebalancing, it is improving the performance by about 1.68%. So it might not sound major, but, again, kind of that with compounding fee savings, it does make a pretty big difference. Now, obviously, with the performance, you can't guarantee guarantee anything. You can't guarantee what's going to happen in the market. So that is why we use when we do the research, a five year period.\n\nSo we look at a five year period of time, averaging that out on a yearly basis to then kind of give us the the average return to give us a little bit more certainty of what has actually happened. Does that make sense, Richard? Yes. Beautiful. And with those little changes, it is when we're forecasting forward for five years.\n\nSo I have done five and ten years for you in the document. But when we are looking at just a five year period, it's making a difference of about 46,000, which is pretty crazy. Yeah. Now we are not changing your risk profile, so we are keeping you in a high growth portfolio. It's very suitable for you.\n\nYou still have plenty of time with your retirement to take advantage of trying to grow that super as much as possible. So not making any changes when it comes to the risk profile. Now when we're also looking at a longer period of time with performance, a 12, three years, five, and ten years, the recommended portfolio has outperformed your current one across all time frames, which, again, is really good. Yep. Now with the little investment changes, the ones I have recommended, it's just making true changes.\n\nNow one is swapping your Benelong Australian equity. This was the one I touched on during the under review that I wanted to look at in a bit more detail because it had kind of underperformed a little bit recently, if you remember that. Yeah. So I have recommended that we sell out of Venelon, and instead, I have recommended that we introduce one that's called the BetaShares Australia three hundred. So because we are selling one Australian investment, we wanna look at another Australian investment and give you kind of a good exposure across the world, but also still making sure we keep things diversified.\n\nSo trying to find a similar investment, a little bit more simplified, has performed a bit better, and it's a bit cheaper. So the BetaShares Australia two hundred, it is pretty straightforward in that how it works is that it just invests in the 200 largest companies listed in Australia. So, obviously, being invested in 200 companies within that one single investment, it gives you a lot of And it also means you're not gonna have that same kind of buying and selling frequency that you had with Benelon. So a little bit smoother for you while still making sure we maximize that growth. So that change I have recommended.\n\nThe other change for you, it is just changing out the one of your defensive investment, which is the bank hybrids. They are actually phasing out this investment completely. So instead, I've just introduced just another fixed interest to keep things very simple. One, actually, we have some some defensive investments, and that's just a fixed interest called Compass at Botch. So very straightforward.\n\nAnd then the other thing I have recommended, it's just that we rebalance your portfolio, which is something we'd like to do every now and then as well. Basically, what rebalancing means is, obviously, investments within your suit that do fluctuate the market movement. So that can cause some investments to get a higher exposures and some to get a lower exposure. So rebalancing basically just means bringing everything back into alignment for me for you, for making sure it still kind of maintains the appropriate diversification, but also just make sure that your portfolio continues to reflect the level of risk that is suitable for you so that you don't take on too much or too little risk. It's just kind of reshuffling everything back to alignment, if that makes sense.\n\nYeah. Now the good thing as well with the just making these couple of changes, Richard, is that sometimes when we do sell investments, there is something that's called a capital gains tax that will come out when we do sell investments. So, like, similar to if you were to sell an investment property, there there can be that tax. Now it is kind of separate, so it's all within the super environment. It's not something you pay for yourself personally, but it is obviously coming out of your super.\n\nIt's not something you ever have to declare on a tax statement. But a good thing is that if we were to swap all your investments around, the capital gains tax, because your investments have done really well, which is great, would have been about $6,489. So it's a pretty hefty. So I obviously wanna make sure we we do that for you. So the little changes I have recommended, swapping those through investments and rebalancing, it is estimated to trigger no capital gains tax at all, which is great.\n\nYep. Beautiful. And that was essentially everything. So like I said, pretty straightforward. Keeping you up 24 things are going really well.\n\nIt's just swapping two investments out for other ones that's a little bit cheaper, has performed a little bit better, and then kind of bringing everything back into alignment for you. I have also included some information in regards to a will and power of attorney in there for you. It is something I always recommend everyone to consider. So it's all in there for you for you to have a bit of a read over, and that was essentially everything. So so pretty straightforward.\n\nDo you have any questions for me, Richard, on any of that? Not make sense? Yeah. Okay. Beautiful.\n\nSo, essentially, from here, obviously, when you have time and when it's safe to do so, just go to your email. You will have that kind of same link for me. It it will then allow you to open up the document and have a look at it. If you have any questions, just you can just give me a callback. If not, if you read through it, it all makes sense you are happy to move forward.\n\nIt would now be through click sign on the documents, the same as what you did for the annual review documents. It will then automatically send it back to me. And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you. Yep. Beautiful.\n\nNow the last thing before I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week. Oh, thank you very much. So what I will Oh, thank you very much. So what I will actually do as well today is just to send you a bit of a introduction email just to my colleague, Jenna, who is kind of just taking over for me while I am away. I will be away for about twelve months.\n\nSo that way you have her direct contact details, and then she will kind of oversee as well the implementation of these investment changes if you're happy with them and make sure everything gets actioned smoothly for you. Yep. Perfect. Do you have any questions for me before I let you go otherwise? It's a little girl.\n\nYeah. This is yeah. My my first one. Very, very excited. Yeah.\n\nThat's what everyone tells me. Yes. Yes. But no. Very, very, very exciting.\n\nYeah. Yeah. Perfect. Well, keep a lookout for that email. I will send you that today.\n\nAnd then, yeah, otherwise, have a look through that document, and we'll get those investments stored for you. No worries, Richard, and have a safe drive with everything for you. Alright. We'll speak later. Thank you so much.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2723582834005356},{"text":"Is this Richard?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.1718696504831314},{"text":"This is Veronica from ICU Financial.","start":8.32,"end":10.66,"sentiment":"neutral","sentiment_score":0.18152778098980585},{"text":"How are you?","start":10.8,"end":11.62,"sentiment":"neutral","sentiment_score":0.17952817678451538},{"text":"No worries.","start":15.445,"end":15.844999,"sentiment":"neutral","sentiment_score":0.24374054372310638}],"sentiment":"neutral","sentiment_score":0.19847236387431622,"num_words":16,"start":4.72,"end":15.844999},{"sentences":[{"text":"That is all good.","start":15.844999,"end":17.305,"sentiment":"positive","sentiment_score":0.49775395542383194},{"text":"Now I know I am calling you out of the blue, but I was going to check if you had about fifteen minutes, so sorry, for me to go through the research I did on your super investment with you.","start":18.404999,"end":35.34,"sentiment":"neutral","sentiment_score":-0.028217453276738524},{"text":"No.","start":35.34,"end":35.66,"sentiment":"neutral","sentiment_score":0.2685675323009491},{"text":"That is no stress.","start":35.66,"end":37.44,"sentiment":"neutral","sentiment_score":0.3120037615299225},{"text":"And because it's pretty straightforward today, I'm happy to just kind of touch on what the recommendations are.","start":37.66,"end":43.204998,"sentiment":"positive","sentiment_score":0.6715276655223634}],"sentiment":"neutral","sentiment_score":0.21591639176789504,"num_words":67,"start":15.844999,"end":43.204998},{"sentences":[{"text":"And then, obviously, later when you are home and it's safe for you to do so, just have a look through.","start":43.204998,"end":48.965,"sentiment":"positive","sentiment_score":0.37555880205971853},{"text":"And then if you have any questions, you can always just give me a callback.","start":48.965,"end":52.184998,"sentiment":"neutral","sentiment_score":0.19868029952049254},{"text":"Yep.","start":53.285,"end":53.605,"sentiment":"neutral","sentiment_score":0.13178622722625732},{"text":"Okay.","start":53.605,"end":53.925,"sentiment":"neutral","sentiment_score":0.10892929136753082},{"text":"Beautiful.","start":53.925,"end":54.425,"sentiment":"positive","sentiment_score":0.44525229930877686}],"sentiment":"neutral","sentiment_score":0.29622838856318057,"num_words":39,"start":43.204998,"end":54.425},{"sentences":[{"text":"Now before I do go any further, just per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":56.41,"end":64.51,"sentiment":"neutral","sentiment_score":0.05515204773594936},{"text":"Yep.","start":66.73,"end":67.130005,"sentiment":"neutral","sentiment_score":0.17027370631694794},{"text":"Perfect.","start":67.130005,"end":67.630005,"sentiment":"positive","sentiment_score":0.36636966466903687},{"text":"And even though I can hear that it is you, can I just get you to confirm your full name, date of birth, and address, please?","start":68.33,"end":74.534996,"sentiment":"neutral","sentiment_score":0.07093155111830968},{"text":"No.","start":82.755,"end":83.075,"sentiment":"neutral","sentiment_score":-0.06421451270580292}],"sentiment":"neutral","sentiment_score":0.06730865456669008,"num_words":59,"start":56.41,"end":83.075},{"sentences":[{"text":"It's yeah.","start":83.075,"end":83.954994,"sentiment":"neutral","sentiment_score":-0.0510847382247448},{"text":"I spoke to you not too long ago.","start":83.954994,"end":85.814995,"sentiment":"neutral","sentiment_score":-0.05204372759908438},{"text":"I spoke to you not too long ago, so I remember.","start":90.53,"end":93.27,"sentiment":"neutral","sentiment_score":-0.031030822375958615},{"text":"Yep.","start":101.09,"end":101.57,"sentiment":"neutral","sentiment_score":0.06938406080007553},{"text":"Beautiful.","start":101.57,"end":102.07,"sentiment":"neutral","sentiment_score":0.22281494736671448}],"sentiment":"neutral","sentiment_score":-0.024680840661344322,"num_words":23,"start":83.075,"end":102.07},{"sentences":[{"text":"Had a busy day so far at work.","start":103.674995,"end":105.774994,"sentiment":"neutral","sentiment_score":-0.006003177259117365},{"text":"Yeah.","start":114.155,"end":114.655,"sentiment":"neutral","sentiment_score":0.005189953371882439},{"text":"Yes.","start":116.075,"end":116.575,"sentiment":"neutral","sentiment_score":0.02657628059387207},{"text":"So that's a bit of a bit of a drive.","start":117.034996,"end":119.130005,"sentiment":"neutral","sentiment_score":0.011996141448616982},{"text":"How far are you?","start":119.130005,"end":120.11,"sentiment":"neutral","sentiment_score":0.014567801728844643}],"sentiment":"neutral","sentiment_score":0.006748893220598499,"num_words":24,"start":103.674995,"end":120.11},{"sentences":[{"text":"Oh, yeah.","start":128.73,"end":129.29001,"sentiment":"neutral","sentiment_score":-0.012734861113131046},{"text":"Almost there.","start":129.29001,"end":130.27,"sentiment":"neutral","sentiment_score":-0.03307447489351034},{"text":"Yeah.","start":131.53,"end":131.835,"sentiment":"neutral","sentiment_score":-0.00914407055824995},{"text":"Well, I won't keep you for too long.","start":133.595,"end":135.615,"sentiment":"neutral","sentiment_score":-0.08335787779651582},{"text":"But like I said, Richard, obviously, after the under review, I did some research on your super investments, and I have made some minor recommendations to change a couple of things.","start":135.91501,"end":146.55501,"sentiment":"neutral","sentiment_score":0.033359846761149746}],"sentiment":"neutral","sentiment_score":0.006057488287545063,"num_words":44,"start":128.73,"end":146.55501},{"sentences":[{"text":"Not very big, but every time we do make a recommendation for you, we have to put everything in a statement of advice.","start":146.55501,"end":154.54001,"sentiment":"neutral","sentiment_score":0.08534580679691356},{"text":"So that is what I have just emailed you.","start":154.92,"end":157.66,"sentiment":"neutral","sentiment_score":0.11538356294234593},{"text":"Now it is quite long.","start":158.52,"end":160.14,"sentiment":"neutral","sentiment_score":0.04634266309440136},{"text":"It is just for compliance purposes as well, just so making sure that you fully understand everything.","start":161.08,"end":166.72499,"sentiment":"neutral","sentiment_score":0.11361005069578395},{"text":"But it is pretty straightforward today.","start":167.265,"end":169.42499,"sentiment":"neutral","sentiment_score":0.3216252475976944}],"sentiment":"neutral","sentiment_score":0.11823735476161043,"num_words":60,"start":146.55501,"end":169.42499},{"sentences":[{"text":"The purpose was to just review your superannuation, and that's it.","start":169.42499,"end":174.94499,"sentiment":"neutral","sentiment_score":0.18454729426990857},{"text":"Not changing anything with insurance or anything else.","start":174.94499,"end":178.01001,"sentiment":"neutral","sentiment_score":0.011513879057019949},{"text":"Just literally reviewing your super.","start":178.07,"end":180.33,"sentiment":"neutral","sentiment_score":0.15419675409793854},{"text":"So part of the research is also I made some research on your current Hub twenty four account as well just to make sure it was still the best option for you because there's always new super funds out there.","start":181.19,"end":197.805,"sentiment":"neutral","sentiment_score":0.19624290242791176},{"text":"There's always new products and features, and it is good to reassess every now and then just to make sure because there's nothing obviously tying us to hub twenty four.","start":197.805,"end":206.43,"sentiment":"neutral","sentiment_score":0.1873620902498563}],"sentiment":"neutral","sentiment_score":0.17408184940986177,"num_words":94,"start":169.42499,"end":206.43},{"sentences":[{"text":"So part of the research I did just look at other funds as well just to see how it still compares.","start":206.43,"end":211.32999,"sentiment":"neutral","sentiment_score":0.11982829726877667},{"text":"And it's still very much competitive.","start":212.26999,"end":215.48999,"sentiment":"neutral","sentiment_score":0.2309157190223535},{"text":"So I have recommended that we stay in hub twenty four and literally just kind of change two investments around.","start":215.54999,"end":222.115,"sentiment":"neutral","sentiment_score":0.17803812362253665},{"text":"It's very competitive when it comes to their fees and features and investment choices, and I do use hub twenty four for my personal as well.","start":222.115,"end":231.015,"sentiment":"neutral","sentiment_score":0.3159319575016315},{"text":"But like I said, I have recommended you stay in hub twenty four.","start":231.11,"end":234.23,"sentiment":"neutral","sentiment_score":0.13740981140962014}],"sentiment":"neutral","sentiment_score":0.2030605752627517,"num_words":86,"start":206.43,"end":234.23},{"sentences":[{"text":"Just change a couple of investments around.","start":234.23,"end":236.89,"sentiment":"neutral","sentiment_score":0.06695217798863139},{"text":"Now what those changes actually kind of looks like for you, even though it's only changing two investments and rebalancing your portfolio, so so not very major changes, it is actually saving you about $1,245 in investment fees, which is pretty crazy.","start":237.75,"end":261.76,"sentiment":"neutral","sentiment_score":0.28480526840402964},{"text":"Yeah.","start":262.46,"end":262.96,"sentiment":"neutral","sentiment_score":0.319621205329895},{"text":"So it's making things a little bit cheaper for you, which obviously means less fees coming out.","start":263.66,"end":269.42,"sentiment":"positive","sentiment_score":0.5547127267893623},{"text":"You have more money in super to grow for your retirement, which is great.","start":269.42,"end":273.12,"sentiment":"positive","sentiment_score":0.7624313405581883}],"sentiment":"positive","sentiment_score":0.4056081833018933,"num_words":81,"start":234.23,"end":273.12},{"sentences":[{"text":"Now when it comes to the performance as well, so, again, just changing through investments and rebalancing, it is improving the performance by about 1.68%.","start":275.44498,"end":287.865,"sentiment":"positive","sentiment_score":0.49343931436538696},{"text":"So it might not sound major, but, again, kind of that with compounding fee savings, it does make a pretty big difference.","start":288.73,"end":296.99002,"sentiment":"neutral","sentiment_score":0.28145531649616634},{"text":"Now, obviously, with the performance, you can't guarantee guarantee anything.","start":297.53,"end":301.995,"sentiment":"neutral","sentiment_score":0.010112939029932022},{"text":"You can't guarantee what's going to happen in the market.","start":301.995,"end":304.495,"sentiment":"neutral","sentiment_score":-0.09740124605596065},{"text":"So that is why we use when we do the research, a five year period.","start":305.195,"end":308.955,"sentiment":"neutral","sentiment_score":0.054259900997082396}],"sentiment":"neutral","sentiment_score":0.2252318934969059,"num_words":82,"start":275.44498,"end":308.955},{"sentences":[{"text":"So we look at a five year period of time, averaging that out on a yearly basis to then kind of give us the the average return to give us a little bit more certainty of what has actually happened.","start":308.955,"end":321.25,"sentiment":"neutral","sentiment_score":0.11912736855447292},{"text":"Does that make sense, Richard?","start":321.25,"end":322.55,"sentiment":"neutral","sentiment_score":0.08426849097013474},{"text":"Yes.","start":325.09,"end":325.41,"sentiment":"neutral","sentiment_score":0.3027859628200531},{"text":"Beautiful.","start":325.41,"end":325.91,"sentiment":"positive","sentiment_score":0.5798858404159546},{"text":"And with those little changes, it is when we're forecasting forward for five years.","start":326.29,"end":331.845,"sentiment":"neutral","sentiment_score":0.25515792093106676}],"sentiment":"neutral","sentiment_score":0.1580544244803366,"num_words":61,"start":308.955,"end":331.845},{"sentences":[{"text":"So I have done five and ten years for you in the document.","start":331.845,"end":334.585,"sentiment":"neutral","sentiment_score":0.1714075287947288},{"text":"But when we are looking at just a five year period, it's making a difference of about 46,000, which is pretty crazy.","start":334.965,"end":341.865,"sentiment":"neutral","sentiment_score":0.04082846827805042},{"text":"Yeah.","start":344.005,"end":344.505,"sentiment":"neutral","sentiment_score":0.16102613508701324},{"text":"Now we are not changing your risk profile, so we are keeping you in a high growth portfolio.","start":345.19,"end":350.49002,"sentiment":"neutral","sentiment_score":0.1745743149270614},{"text":"It's very suitable for you.","start":350.95,"end":352.31,"sentiment":"neutral","sentiment_score":0.323563289642334}],"sentiment":"neutral","sentiment_score":0.13640176997346393,"num_words":59,"start":331.845,"end":352.31},{"sentences":[{"text":"You still have plenty of time with your retirement to take advantage of trying to grow that super as much as possible.","start":352.31,"end":357.93,"sentiment":"neutral","sentiment_score":0.2826339080929756},{"text":"So not making any changes when it comes to the risk profile.","start":358.335,"end":363.795,"sentiment":"neutral","sentiment_score":-0.06984793099885185},{"text":"Now when we're also looking at a longer period of time with performance, a 12, three years, five, and ten years, the recommended portfolio has outperformed your current one across all time frames, which, again, is really good.","start":365.455,"end":379.57,"sentiment":"positive","sentiment_score":0.3344823898453462},{"text":"Yep.","start":381.55,"end":382.05,"sentiment":"neutral","sentiment_score":0.20292000472545624},{"text":"Now with the little investment changes, the ones I have recommended, it's just making true changes.","start":382.75,"end":389.33,"sentiment":"neutral","sentiment_score":0.24711069371551275}],"sentiment":"neutral","sentiment_score":0.24996396319501185,"num_words":89,"start":352.31,"end":389.33},{"sentences":[{"text":"Now one is swapping your Benelong Australian equity.","start":389.86502,"end":393.885,"sentiment":"neutral","sentiment_score":0.1425080206245184},{"text":"This was the one I touched on during the under review that I wanted to look at in a bit more detail because it had kind of underperformed a little bit recently, if you remember that.","start":394.02502,"end":403.1,"sentiment":"neutral","sentiment_score":0.008682316531323724},{"text":"Yeah.","start":405.4,"end":405.72,"sentiment":"neutral","sentiment_score":0.04666001722216606},{"text":"So I have recommended that we sell out of Venelon, and instead, I have recommended that we introduce one that's called the BetaShares Australia three hundred.","start":405.72,"end":416.04498,"sentiment":"neutral","sentiment_score":0.2008806005693399},{"text":"So because we are selling one Australian investment, we wanna look at another Australian investment and give you kind of a good exposure across the world, but also still making sure we keep things diversified.","start":416.345,"end":428.60498,"sentiment":"positive","sentiment_score":0.5125188912664141}],"sentiment":"neutral","sentiment_score":0.23264475836295564,"num_words":106,"start":389.86502,"end":428.60498},{"sentences":[{"text":"So trying to find a similar investment, a little bit more simplified, has performed a bit better, and it's a bit cheaper.","start":428.94,"end":435.92,"sentiment":"positive","sentiment_score":0.4908733367919922},{"text":"So the BetaShares Australia two hundred, it is pretty straightforward in that how it works is that it just invests in the 200 largest companies listed in Australia.","start":436.62003,"end":447.55502,"sentiment":"positive","sentiment_score":0.36288495787552427},{"text":"So, obviously, being invested in 200 companies within that one single investment, it gives you a lot of And it also means you're not gonna have that same kind of buying and selling frequency that you had with Benelon.","start":448.17502,"end":465.97,"sentiment":"neutral","sentiment_score":0.2737079069782526},{"text":"So a little bit smoother for you while still making sure we maximize that growth.","start":466.99,"end":471.195,"sentiment":"positive","sentiment_score":0.48228766918182375},{"text":"So that change I have recommended.","start":471.255,"end":473.515,"sentiment":"positive","sentiment_score":0.36279525359471637}],"sentiment":"positive","sentiment_score":0.37314261055805464,"num_words":110,"start":428.94,"end":473.515},{"sentences":[{"text":"The other change for you, it is just changing out the one of your defensive investment, which is the bank hybrids.","start":474.855,"end":485.3,"sentiment":"neutral","sentiment_score":0.14836603420830907},{"text":"They are actually phasing out this investment completely.","start":485.59998,"end":488.74,"sentiment":"neutral","sentiment_score":-0.0215773805975914},{"text":"So instead, I've just introduced just another fixed interest to keep things very simple.","start":489.03998,"end":493.78,"sentiment":"neutral","sentiment_score":0.2018690880920206},{"text":"One, actually, we have some some defensive investments, and that's just a fixed interest called Compass at Botch.","start":494.0,"end":501.975,"sentiment":"neutral","sentiment_score":0.23476949334144592},{"text":"So very straightforward.","start":502.195,"end":503.255,"sentiment":"positive","sentiment_score":0.35965139667193097}],"sentiment":"neutral","sentiment_score":0.17303187464131042,"num_words":64,"start":474.855,"end":503.255},{"sentences":[{"text":"And then the other thing I have recommended, it's just that we rebalance your portfolio, which is something we'd like to do every now and then as well.","start":504.11502,"end":513.12,"sentiment":"neutral","sentiment_score":0.20535102539828845},{"text":"Basically, what rebalancing means is, obviously, investments within your suit that do fluctuate the market movement.","start":513.82,"end":521.76,"sentiment":"neutral","sentiment_score":0.08631181577220559},{"text":"So that can cause some investments to get a higher exposures and some to get a lower exposure.","start":522.295,"end":527.115,"sentiment":"neutral","sentiment_score":0.06719177961349487},{"text":"So rebalancing basically just means bringing everything back into alignment for me for you, for making sure it still kind of maintains the appropriate diversification, but also just make sure that your portfolio continues to reflect the level of risk that is suitable for you so that you don't take on too much or too little risk.","start":527.815,"end":547.45996,"sentiment":"neutral","sentiment_score":0.22176854129423174},{"text":"It's just kind of reshuffling everything back to alignment, if that makes sense.","start":547.45996,"end":553.715,"sentiment":"neutral","sentiment_score":0.2493534225683946}],"sentiment":"neutral","sentiment_score":0.1835050844220501,"num_words":132,"start":504.11502,"end":553.715},{"sentences":[{"text":"Yeah.","start":554.335,"end":554.835,"sentiment":"neutral","sentiment_score":0.199387788772583},{"text":"Now the good thing as well with the just making these couple of changes, Richard, is that sometimes when we do sell investments, there is something that's called a capital gains tax that will come out when we do sell investments.","start":555.775,"end":569.02,"sentiment":"neutral","sentiment_score":0.13047308065905805},{"text":"So, like, similar to if you were to sell an investment property, there there can be that tax.","start":569.8,"end":575.955,"sentiment":"neutral","sentiment_score":0.0628230928753813},{"text":"Now it is kind of separate, so it's all within the super environment.","start":576.435,"end":580.455,"sentiment":"neutral","sentiment_score":0.09940750151872635},{"text":"It's not something you pay for yourself personally, but it is obviously coming out of your super.","start":580.755,"end":586.435,"sentiment":"neutral","sentiment_score":0.09507907861295868}],"sentiment":"neutral","sentiment_score":0.10653601804127295,"num_words":90,"start":554.335,"end":586.435},{"sentences":[{"text":"It's not something you ever have to declare on a tax statement.","start":586.435,"end":589.255,"sentiment":"neutral","sentiment_score":0.02269628768165906},{"text":"But a good thing is that if we were to swap all your investments around, the capital gains tax, because your investments have done really well, which is great, would have been about $6,489.","start":590.6,"end":603.815,"sentiment":"positive","sentiment_score":0.46755677308229837},{"text":"So it's a pretty hefty.","start":604.03503,"end":605.075,"sentiment":"positive","sentiment_score":0.33703922629356386},{"text":"So I obviously wanna make sure we we do that for you.","start":605.075,"end":607.895,"sentiment":"neutral","sentiment_score":0.31065598875284195},{"text":"So the little changes I have recommended, swapping those through investments and rebalancing, it is estimated to trigger no capital gains tax at all, which is great.","start":609.075,"end":618.81,"sentiment":"neutral","sentiment_score":0.31742591521254293}],"sentiment":"positive","sentiment_score":0.3350317049357626,"num_words":90,"start":586.435,"end":618.81},{"sentences":[{"text":"Yep.","start":620.65,"end":621.13,"sentiment":"positive","sentiment_score":0.3766061067581177},{"text":"Beautiful.","start":621.13,"end":621.63,"sentiment":"positive","sentiment_score":0.592621922492981},{"text":"And that was essentially everything.","start":622.33,"end":624.43,"sentiment":"positive","sentiment_score":0.4694515407085419},{"text":"So like I said, pretty straightforward.","start":624.57,"end":626.75,"sentiment":"positive","sentiment_score":0.45235146085421246},{"text":"Keeping you up 24 things are going really well.","start":626.97,"end":630.02997,"sentiment":"positive","sentiment_score":0.6655727293756273}],"sentiment":"positive","sentiment_score":0.5463976846499876,"num_words":22,"start":620.65,"end":630.02997},{"sentences":[{"text":"It's just swapping two investments out for other ones that's a little bit cheaper, has performed a little bit better, and then kind of bringing everything back into alignment for you.","start":630.33,"end":640.565,"sentiment":"positive","sentiment_score":0.45032923981066675},{"text":"I have also included some information in regards to a will and power of attorney in there for you.","start":642.22504,"end":649.04004,"sentiment":"neutral","sentiment_score":0.21052531505885877},{"text":"It is something I always recommend everyone to consider.","start":649.04004,"end":651.84,"sentiment":"neutral","sentiment_score":0.22954087290498945},{"text":"So it's all in there for you for you to have a bit of a read over, and that was essentially everything.","start":651.84,"end":658.26,"sentiment":"neutral","sentiment_score":0.21829284795305945},{"text":"So so pretty straightforward.","start":658.815,"end":660.435,"sentiment":"neutral","sentiment_score":0.32301707565784454}],"sentiment":"neutral","sentiment_score":0.30730077922344207,"num_words":85,"start":630.33,"end":660.435},{"sentences":[{"text":"Do you have any questions for me, Richard, on any of that?","start":662.73505,"end":666.91504,"sentiment":"neutral","sentiment_score":0.08623096905648708},{"text":"Not make sense?","start":668.575,"end":669.555,"sentiment":"neutral","sentiment_score":-0.11673362056414287},{"text":"Yeah.","start":670.09503,"end":670.41504,"sentiment":"neutral","sentiment_score":0.05374586582183838},{"text":"Okay.","start":670.41504,"end":670.895,"sentiment":"neutral","sentiment_score":0.08278899639844894},{"text":"Beautiful.","start":670.895,"end":671.395,"sentiment":"neutral","sentiment_score":0.26615041494369507}],"sentiment":"neutral","sentiment_score":0.06040311356385549,"num_words":18,"start":662.73505,"end":671.395},{"sentences":[{"text":"So, essentially, from here, obviously, when you have time and when it's safe to do so, just go to your email.","start":672.41504,"end":679.56,"sentiment":"neutral","sentiment_score":0.12437139735335395},{"text":"You will have that kind of same link for me.","start":679.56,"end":682.06,"sentiment":"neutral","sentiment_score":0.15133193731307984},{"text":"It it will then allow you to open up the document and have a look at it.","start":682.84,"end":686.78,"sentiment":"neutral","sentiment_score":0.15302048141465469},{"text":"If you have any questions, just you can just give me a callback.","start":686.84,"end":689.875,"sentiment":"neutral","sentiment_score":0.17935711947771218},{"text":"If not, if you read through it, it all makes sense you are happy to move forward.","start":689.875,"end":694.295,"sentiment":"positive","sentiment_score":0.3521656201166265}],"sentiment":"neutral","sentiment_score":0.19288365380504194,"num_words":78,"start":672.41504,"end":694.295},{"sentences":[{"text":"It would now be through click sign on the documents, the same as what you did for the annual review documents.","start":694.355,"end":699.735,"sentiment":"neutral","sentiment_score":0.25441571786290124},{"text":"It will then automatically send it back to me.","start":700.27496,"end":703.37,"sentiment":"neutral","sentiment_score":0.23535866538683572},{"text":"And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you.","start":703.37,"end":710.91003,"sentiment":"positive","sentiment_score":0.44258372684319813},{"text":"Yep.","start":713.13,"end":713.63,"sentiment":"positive","sentiment_score":0.4128755033016205},{"text":"Beautiful.","start":713.85004,"end":714.35004,"sentiment":"positive","sentiment_score":0.681309700012207}],"sentiment":"positive","sentiment_score":0.35213959793890676,"num_words":62,"start":694.355,"end":714.35004},{"sentences":[{"text":"Now the last thing before I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week.","start":714.89,"end":726.715,"sentiment":"neutral","sentiment_score":0.2043783456425775},{"text":"Oh, thank you very much.","start":729.655,"end":731.115,"sentiment":"positive","sentiment_score":0.4173384547233582},{"text":"So what I will Oh, thank you very much.","start":731.335,"end":733.99,"sentiment":"neutral","sentiment_score":0.23522392991516325},{"text":"So what I will actually do as well today is just to send you a bit of a introduction email just to my colleague, Jenna, who is kind of just taking over for me while I am away.","start":733.99,"end":743.77,"sentiment":"neutral","sentiment_score":0.13802590515268476},{"text":"I will be away for about twelve months.","start":744.15,"end":747.165,"sentiment":"neutral","sentiment_score":0.03314427053555846}],"sentiment":"neutral","sentiment_score":0.1798701289539727,"num_words":104,"start":714.89,"end":747.165},{"sentences":[{"text":"So that way you have her direct contact details, and then she will kind of oversee as well the implementation of these investment changes if you're happy with them and make sure everything gets actioned smoothly for you.","start":747.165,"end":762.08,"sentiment":"neutral","sentiment_score":0.1266466708559739},{"text":"Yep.","start":762.08,"end":762.56,"sentiment":"neutral","sentiment_score":0.14876022934913635},{"text":"Perfect.","start":762.56,"end":763.06,"sentiment":"positive","sentiment_score":0.3893696069717407},{"text":"Do you have any questions for me before I let you go otherwise?","start":763.52,"end":766.74,"sentiment":"neutral","sentiment_score":0.1087202226313261},{"text":"It's a little girl.","start":770.64,"end":771.86,"sentiment":"neutral","sentiment_score":0.05486949812620878}],"sentiment":"neutral","sentiment_score":0.12251831957122736,"num_words":57,"start":747.165,"end":771.86},{"sentences":[{"text":"Yeah.","start":776.295,"end":776.795,"sentiment":"neutral","sentiment_score":0.08314874768257141},{"text":"This is yeah.","start":776.855,"end":777.975,"sentiment":"neutral","sentiment_score":0.15089122454325357},{"text":"My my first one.","start":777.975,"end":779.33496,"sentiment":"neutral","sentiment_score":0.21745789051055908},{"text":"Very, very excited.","start":779.33496,"end":780.635,"sentiment":"positive","sentiment_score":0.4672540028889974},{"text":"Yeah.","start":785.65497,"end":786.055,"sentiment":"neutral","sentiment_score":0.20989537239074707}],"sentiment":"neutral","sentiment_score":0.25144261370102566,"num_words":12,"start":776.295,"end":786.055},{"sentences":[{"text":"That's what everyone tells me.","start":786.055,"end":787.595,"sentiment":"neutral","sentiment_score":0.22136464416980745},{"text":"Yes.","start":792.98004,"end":793.48004,"sentiment":"neutral","sentiment_score":0.08712966740131378},{"text":"Yes.","start":794.5,"end":795.0,"sentiment":"neutral","sentiment_score":0.06594811379909515},{"text":"But no.","start":795.46,"end":796.18005,"sentiment":"neutral","sentiment_score":0.05987056903541088},{"text":"Very, very, very exciting.","start":796.18005,"end":797.80005,"sentiment":"neutral","sentiment_score":0.24889684468507767}],"sentiment":"neutral","sentiment_score":0.18270996298927528,"num_words":13,"start":786.055,"end":797.80005},{"sentences":[{"text":"Yeah.","start":798.58,"end":799.08,"sentiment":"neutral","sentiment_score":0.21879328787326813},{"text":"Yeah.","start":801.14,"end":801.64,"sentiment":"neutral","sentiment_score":0.14951810240745544},{"text":"Perfect.","start":801.78,"end":802.28,"sentiment":"neutral","sentiment_score":0.3021317720413208},{"text":"Well, keep a lookout for that email.","start":802.42004,"end":804.195,"sentiment":"neutral","sentiment_score":0.19892642966338567},{"text":"I will send you that today.","start":804.195,"end":805.575,"sentiment":"neutral","sentiment_score":0.19380873441696167}],"sentiment":"neutral","sentiment_score":0.20161128602921963,"num_words":16,"start":798.58,"end":805.575},{"sentences":[{"text":"And then, yeah, otherwise, have a look through that document, and we'll get those investments stored for you.","start":806.115,"end":810.85504,"sentiment":"neutral","sentiment_score":0.15892071732216412},{"text":"No worries, Richard, and have a safe drive with everything for you.","start":814.675,"end":819.29,"sentiment":"neutral","sentiment_score":0.2687213731308778},{"text":"Alright.","start":820.79,"end":821.19,"sentiment":"neutral","sentiment_score":0.24431756138801575},{"text":"We'll speak later.","start":821.19,"end":822.25,"sentiment":"positive","sentiment_score":0.35683833559354144},{"text":"Thank you so 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Yes. Oh, get over, Monica. Sorry. Yeah. That's fine. I'm just driving through Sydney traffic at the moment. So but go for it. Yeah. No worries, Veronica. Yep. I must have a recognizable or memorable voice then. Pardon? Yeah. I don't. Richard Rachman Berry. Two two eight two one eight Grimes Road, Sharon. I'm actually going down. I'm driving I'm in Sydney. I'm driving to Wollongong to visit my mother. If you remember, I live in Pumperberg. Yeah. Well, I drove eight hours yesterday. I mean, to my tenth hour today. Probably got two and a half to go. So I'm talking. Yeah. Almost there. You alright? Yeah. Yeah. No worries. Yep. Yep. Okay. Yep. Okay. Yeah. Yeah. Okay. Yeah. Good. Okay. Yeah. Yep. Okay. Yeah. Yes. Yeah. Yep. Yeah. Yeah. That's a lot. Yeah. Yes. Yep. Yes. Yeah. Yep. Yeah. Yeah. Yep. Yeah. Okay. Excellent. Yeah. Yes. Okay. Yep. Thank you. Yeah. Yeah. No. No. That sounds all good. Yes. Yeah. Yeah. Yeah. Yeah. Okay. Sounds good. Good. Yeah. Yep. Congratulations. Yeah. Okay. No worries. Can do. I don't know. Is it a boy or a girl? Thank you. Yeah. Yes. Okay. No worries. Thanks for calling it, Catherine. Okay. Yep. Thank you. All the best to you. Thank you. Bye. 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you.","start":800.705,"end":801.185,"sentiment":"neutral","sentiment_score":0.3217773288488388},{"text":"Yeah.","start":801.185,"end":801.685,"sentiment":"neutral","sentiment_score":0.20169289410114288},{"text":"Yes.","start":806.705,"end":807.205,"sentiment":"neutral","sentiment_score":0.08752946555614471}],"sentiment":"neutral","sentiment_score":0.05563445296138525,"num_words":14,"start":767.83997,"end":807.205},{"sentences":[{"text":"Okay.","start":812.16,"end":812.48,"sentiment":"neutral","sentiment_score":0.13636721670627594},{"text":"No worries.","start":812.48,"end":812.96,"sentiment":"neutral","sentiment_score":0.18057069182395935},{"text":"Thanks for calling it, Catherine.","start":812.96,"end":814.26,"sentiment":"positive","sentiment_score":0.43001534342765807},{"text":"Okay.","start":817.2,"end":817.7,"sentiment":"neutral","sentiment_score":0.262774258852005},{"text":"Yep.","start":819.21893,"end":819.71893,"sentiment":"neutral","sentiment_score":0.17350414395332336}],"sentiment":"neutral","sentiment_score":0.30838637202978136,"num_words":10,"start":812.16,"end":819.71893},{"sentences":[{"text":"Thank you.","start":820.8989,"end":821.29895,"sentiment":"neutral","sentiment_score":0.3054373785853386},{"text":"All the best to you.","start":821.29895,"end":822.49896,"sentiment":"positive","sentiment_score":0.38159186840057374},{"text":"Thank you.","start":822.49896,"end":823.23895,"sentiment":"positive","sentiment_score":0.8030032515525818},{"text":"Bye.","start":823.93896,"end":824.43896,"sentiment":"positive","sentiment_score":0.4247812032699585},{"text":"Bye.","start":825.37897,"end":825.87897,"sentiment":"neutral","sentiment_score":-0.11187561601400375}],"sentiment":"positive","sentiment_score":0.40343147177587857,"num_words":11,"start":820.8989,"end":825.87897}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Speaking.\n\nChannel 0: Good afternoon. Is this Richard?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from ICU Financial. How are you?\n\nChannel 1: Oh, get over, Monica. Sorry.\n\nChannel 0: No worries. That is all good. Now I know I am calling you out of the blue, but I was going to check if you had about fifteen minutes, so sorry, for me to go through the research I did on your super investment with\n\nChannel 1: Yeah. That's fine. I'm just driving through Sydney traffic at the moment. So but go for it.\n\nChannel 0: you. No. That is no stress. And because it's pretty straightforward today, I'm happy to just kind of touch on what the recommendations are. And then, obviously, later when you are home and it's safe for you to do so, just have a look through.\n\nAnd then if you have any questions, you can always just give me a callback.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No\n\nChannel 0: Okay.\n\nChannel 1: worries,\n\nChannel 0: Beautiful.\n\nChannel 1: Veronica.\n\nChannel 0: Now before I do go any further, just per usual, 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. Perfect. And even though I can hear that it is you, can I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: I must have a recognizable or memorable voice then.\n\nChannel 0: No. It's yeah. I spoke to you not too long ago.\n\nChannel 1: Pardon?\n\nChannel 0: I spoke to you not too long ago, so I remember.\n\nChannel 1: Yeah. I don't. Richard Rachman Berry. Two two eight two one eight Grimes Road, Sharon.\n\nChannel 0: Yep. Beautiful. Had a busy day so far at work.\n\nChannel 1: I'm actually going down. I'm driving I'm in Sydney. I'm driving to Wollongong to visit my mother. If you remember, I\n\nChannel 0: Yeah.\n\nChannel 1: live in Pumperberg.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So that's a bit of a bit of a drive. How far are you?\n\nChannel 1: Well, I drove eight hours yesterday. I mean, to my tenth hour today. Probably got two and a half to go.\n\nChannel 0: Oh, yeah.\n\nChannel 1: So\n\nChannel 0: Almost there.\n\nChannel 1: I'm talking.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Almost there.\n\nChannel 0: Well, I won't keep you for too long. But like I said, Richard, obviously,\n\nChannel 1: You alright?\n\nChannel 0: after the under review, I did some research on your super investments, and I have made\n\nChannel 1: Yeah.\n\nChannel 0: some minor recommendations to change a couple of things. Not very big, but every time we do make a recommendation for you, we have to put everything in a statement of advice. So that is what I have just emailed you. Now\n\nChannel 1: Yeah.\n\nChannel 0: it is quite\n\nChannel 1: No\n\nChannel 0: long.\n\nChannel 1: worries.\n\nChannel 0: It is just for compliance purposes as well, just so making sure that you fully understand everything. But it is pretty straightforward\n\nChannel 1: Yep.\n\nChannel 0: today. The purpose was to just review your superannuation, and that's it. Not changing anything with insurance or anything else. Just literally reviewing your\n\nChannel 1: Yep.\n\nChannel 0: super. So part of\n\nChannel 1: Okay.\n\nChannel 0: the research is also I made some research on your current Hub twenty four account as well just to make sure it was still the best option for you because there's always new super\n\nChannel 1: Yep.\n\nChannel 0: funds out there. There's always new products and features, and it is good to reassess every now and then just to make sure because there's nothing obviously tying us to hub twenty four. So part of the research I did just look at other funds as well just to see how it still compares.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: it's still very much competitive. So I have recommended that we stay in hub twenty four and literally just kind of\n\nChannel 1: Yeah.\n\nChannel 0: change two investments around. It's very competitive when it comes to their fees and features and investment choices, and I do use hub twenty four for my personal as well. But like I said, I have recommended you stay in hub twenty four. Just change a couple of investments around.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: what those\n\nChannel 1: Good.\n\nChannel 0: changes actually kind of looks like for you, even though it's only changing two investments and rebalancing your portfolio, so so not very major changes, it is actually saving you about $1,245 in investment fees, which is\n\nChannel 1: Okay.\n\nChannel 0: pretty crazy. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So it's making things a little bit cheaper for you, which obviously means less fees coming out. You have more money in super to grow for your retirement, which is great.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to the performance as well, so, again, just changing through investments and rebalancing, it is improving the performance by about 1.68%. So it might\n\nChannel 1: Okay.\n\nChannel 0: not sound major, but, again, kind of that with compounding fee savings, it does make a pretty big difference. Now, obviously, with the performance, you can't guarantee guarantee anything. You can't guarantee what's going to happen in the market. So that is why we use when\n\nChannel 1: Yeah.\n\nChannel 0: we do the research, a five year period. So we look at a five year period of time, averaging that out on a yearly basis to then kind of give us the the average return to give us a little bit more certainty of what has actually happened. Does that make sense, Richard?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yes. Beautiful. And\n\nChannel 1: Yep.\n\nChannel 0: with those little changes, it is when we're forecasting forward for five years. So I have done five and ten years for you in the document. But when we are looking\n\nChannel 1: Yeah.\n\nChannel 0: at just a five year period, it's making a difference of about 46,000, which is pretty crazy.\n\nChannel 1: Yeah. That's a lot. Yeah.\n\nChannel 0: Yeah. Now we are not changing your risk profile, so we are keeping you in a high growth portfolio. It's very suitable for you. You still have plenty of time with your retirement to take advantage of trying to grow that super as much as possible. So not\n\nChannel 1: Yes.\n\nChannel 0: making any changes when it comes to the risk profile. Now\n\nChannel 1: Yep.\n\nChannel 0: when we're also looking at a longer period of time with performance, a 12, three years, five, and ten years, the recommended portfolio has outperformed your current one across all time frames, which, again, is really good.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now with the little investment changes, the ones I have recommended, it's just making true changes. Now one is swapping your Benelong Australian equity. This was the one I touched on during the under review that I wanted to look at in a bit more detail because it had kind of underperformed a little bit recently, if you remember that.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So I have recommended that we sell out of Venelon, and instead, I have recommended that we introduce one that's called the BetaShares Australia three hundred. So because we are selling one Australian investment, we wanna look at another Australian investment and give you kind of a good exposure across the world, but also still making sure we keep things diversified. So trying to find a similar investment, a little bit more simplified, has performed a bit better, and it's a bit cheaper. So the\n\nChannel 1: Yeah.\n\nChannel 0: BetaShares Australia two hundred, it is pretty straightforward in that how it works is that it just invests in the 200 largest companies listed in Australia. So, obviously, being\n\nChannel 1: Yeah.\n\nChannel 0: invested in 200 companies within that one single investment, it gives you a lot of And it also\n\nChannel 1: Yep.\n\nChannel 0: means you're not gonna have that same kind of buying and selling frequency that you had with Benelon. So a little bit smoother for you while still making sure we maximize that growth. So that change I have recommended. The\n\nChannel 1: Yeah.\n\nChannel 0: other change for you, it is just changing out the one of your defensive investment, which is the bank hybrids. They are actually phasing out this investment completely. So instead, I've just introduced just another fixed interest to keep things very simple. One, actually, we have some some defensive investments, and that's just a fixed interest called Compass at Botch. So very straightforward.\n\nAnd then the other thing I have recommended, it's just that we rebalance your portfolio, which is something we'd like to do every now and then as well. Basically, what rebalancing means is, obviously, investments within your suit that do fluctuate the market movement. So that can cause some investments to get a higher exposures and some to get a lower exposure. So rebalancing basically just means bringing everything back into alignment for me for you, for making sure it still kind of maintains the appropriate diversification, but also just make sure that your portfolio continues to reflect the level of risk that is suitable for you so that you don't take on too much or too little risk. It's just kind of reshuffling everything back to alignment, if that makes\n\nChannel 1: Okay.\n\nChannel 0: sense. Yeah. Now the good thing as well with the just making these couple of changes, Richard, is that sometimes when we do sell investments, there is something that's called a capital gains tax that will come out when we do sell investments. So, like, similar to if you were to sell an investment property, there there can be that tax. Now it is kind of separate, so it's all within the super environment.\n\nIt's not something you pay for yourself personally, but it is obviously coming out of your super. It's not something you ever have to declare on a tax statement. But a good thing is that if we were to swap all your investments around, the capital gains tax, because your investments have done really well, which is great, would have been about $6,489. So it's a pretty hefty. So I obviously wanna make sure we we do that for you.\n\nSo the little changes I have recommended, swapping those through investments and rebalancing, it is estimated to trigger no capital gains tax at all, which is great.\n\nChannel 1: Excellent.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And that was essentially everything. So like I said, pretty straightforward. Keeping you up 24 things are going really well. It's just swapping two investments out for other ones that's a little bit cheaper, has performed a little bit better, and then kind of bringing everything back into alignment for you.\n\nI have also included some information in regards to a will and power of attorney in there for you. It is something I always\n\nChannel 1: Yes.\n\nChannel 0: recommend everyone to consider. So it's all in there for you for you to have a bit of a read over, and\n\nChannel 1: Okay.\n\nChannel 0: that was\n\nChannel 1: Yep.\n\nChannel 0: essentially everything. So so pretty\n\nChannel 1: Thank\n\nChannel 0: straightforward.\n\nChannel 1: you. Yeah.\n\nChannel 0: Do you have any questions for me, Richard, on any of that?\n\nChannel 1: Yeah. No. No. That\n\nChannel 0: Not\n\nChannel 1: sounds\n\nChannel 0: make\n\nChannel 1: all\n\nChannel 0: sense?\n\nChannel 1: good.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So, essentially, from here, obviously, when you have time and when it's safe to do so, just go to your email. You will have that kind of same link for me. It it will then allow you to open up the document and have a look at it. If you have any questions, just you can just give me a callback. If not, if you read through it, it all makes sense you are happy to move forward.\n\nChannel 1: Yeah.\n\nChannel 0: It would now be through click sign on the documents, the same as what you did for the annual review documents. It will then automatically\n\nChannel 1: Yeah.\n\nChannel 0: send it back to me. And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Yep.\n\nChannel 1: Good.\n\nChannel 0: Beautiful. Now\n\nChannel 1: Yeah.\n\nChannel 0: the last thing before\n\nChannel 1: Yep.\n\nChannel 0: I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week.\n\nChannel 1: Congratulations.\n\nChannel 0: Oh, thank you very much. So what I will Oh, thank you very much. So what I will actually do as well today is just to send you a bit of a introduction email just to my colleague, Jenna, who is kind of just taking over for me while I am away. I will be away for about twelve months. So that way you have her direct contact details, and then she will kind of oversee as well the implementation of these investment changes if you're happy with them and make\n\nChannel 1: Yeah.\n\nChannel 0: sure everything gets\n\nChannel 1: Okay.\n\nChannel 0: actioned smoothly for\n\nChannel 1: No worries. Can\n\nChannel 0: you. Yep.\n\nChannel 1: do.\n\nChannel 0: Perfect. Do you have any questions for me before I let you go otherwise?\n\nChannel 1: I don't know. Is it a boy or a girl?\n\nChannel 0: It's a little girl. Yeah. This is yeah. My my first one. Very, very excited.\n\nYeah. That's what everyone tells me. Yes. Yes. But no.\n\nVery, very, very exciting. Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Well, keep a lookout for that email. I will send you that today. And then, yeah,\n\nChannel 1: Yes.\n\nChannel 0: otherwise, have a look through that document, and we'll get those investments stored for you.\n\nChannel 1: Okay. No worries. Thanks for calling it, Catherine.\n\nChannel 0: No worries, Richard, and have a safe drive\n\nChannel 1: Okay.\n\nChannel 0: with everything for you.\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: Thank you.\n\nChannel 0: We'll\n\nChannel 1: All\n\nChannel 0: speak\n\nChannel 1: the best\n\nChannel 0: later.\n\nChannel 1: to you. Thank you.\n\nChannel 0: Thank you so much.\n\nChannel 1: Bye.\n\nChannel 0: Alright. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.04739385098218918}],"sentiment":"neutral","sentiment_score":0.04739385098218918,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Good afternoon.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2723582834005356},{"text":"Is this Richard?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.1718696504831314}],"sentiment":"neutral","sentiment_score":0.21206510365009307,"channel":0,"num_words":5,"start":4.72,"end":6.18},{"sentences":[{"text":"Yes.","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.15769422054290771}],"sentiment":"neutral","sentiment_score":0.15769422054290771,"channel":1,"num_words":1,"start":7.3599997,"end":7.8599997},{"sentences":[{"text":"This is Veronica from ICU Financial.","start":8.32,"end":10.66,"sentiment":"neutral","sentiment_score":0.18152778098980585},{"text":"How are you?","start":10.8,"end":11.62,"sentiment":"neutral","sentiment_score":0.17952817678451538}],"sentiment":"neutral","sentiment_score":0.18086124625470903,"channel":0,"num_words":9,"start":8.32,"end":11.62},{"sentences":[{"text":"Oh, get over, Monica.","start":12.559999,"end":13.78,"sentiment":"neutral","sentiment_score":0.07743637636303902},{"text":"Sorry.","start":14.245,"end":14.745,"sentiment":"neutral","sentiment_score":0.0774163007736206}],"sentiment":"neutral","sentiment_score":0.07743236124515533,"channel":1,"num_words":5,"start":12.559999,"end":14.745},{"sentences":[{"text":"No worries.","start":15.445,"end":15.844999,"sentiment":"neutral","sentiment_score":0.24374054372310638},{"text":"That is all good.","start":15.844999,"end":17.305,"sentiment":"positive","sentiment_score":0.49775395542383194},{"text":"Now I know I am calling you out of the blue, but I was going 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market.","start":301.995,"end":304.495,"sentiment":"neutral","sentiment_score":-0.09740124605596065},{"text":"So that is why we use when","start":305.195,"end":306.63498,"sentiment":"neutral","sentiment_score":0.04987091038908277}],"sentiment":"neutral","sentiment_score":0.10661240310772606,"channel":0,"num_words":46,"start":289.37,"end":306.63498},{"sentences":[{"text":"Yeah.","start":306.43002,"end":306.93002,"sentiment":"neutral","sentiment_score":0.05348396301269531}],"sentiment":"neutral","sentiment_score":0.05348396301269531,"channel":1,"num_words":1,"start":306.43002,"end":306.93002},{"sentences":[{"text":"we do the research, a five year period.","start":306.63498,"end":308.955,"sentiment":"neutral","sentiment_score":0.05810026777908206},{"text":"So we look at a five year period of time, averaging that out on a yearly basis to then kind of give us the the average return to give us a little bit more certainty of what has actually 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those little changes, it is when we're forecasting forward for five years.","start":326.61,"end":331.845,"sentiment":"neutral","sentiment_score":0.24306857929779932},{"text":"So I have done five and ten years for you in the document.","start":331.845,"end":334.585,"sentiment":"neutral","sentiment_score":0.1714075287947288},{"text":"But when we are looking","start":334.965,"end":336.005,"sentiment":"neutral","sentiment_score":0.05770574659109116}],"sentiment":"neutral","sentiment_score":0.183119939940591,"channel":0,"num_words":31,"start":326.61,"end":336.005},{"sentences":[{"text":"Yeah.","start":335.87997,"end":336.37997,"sentiment":"neutral","sentiment_score":0.04645142704248428}],"sentiment":"neutral","sentiment_score":0.04645142704248428,"channel":1,"num_words":1,"start":335.87997,"end":336.37997},{"sentences":[{"text":"at just a five year period, it's making a difference of about 46,000, which is pretty 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profile.","start":359.215,"end":363.795,"sentiment":"neutral","sentiment_score":-0.07768395021557808},{"text":"Now","start":365.455,"end":365.955,"sentiment":"neutral","sentiment_score":0.1625409871339798}],"sentiment":"neutral","sentiment_score":-0.055845319547436455,"channel":0,"num_words":11,"start":359.215,"end":365.955},{"sentences":[{"text":"Yep.","start":365.69998,"end":366.19998,"sentiment":"neutral","sentiment_score":0.27149248123168945}],"sentiment":"neutral","sentiment_score":0.27149248123168945,"channel":1,"num_words":1,"start":365.69998,"end":366.19998},{"sentences":[{"text":"when we're also looking at a longer period of time with performance, a 12, three years, five, and ten years, the recommended portfolio has outperformed your current one across all time frames, which, again, is really good.","start":366.255,"end":379.57,"sentiment":"positive","sentiment_score":0.3391294547834912}],"sentiment":"positive","sentiment_score":0.3391294547834912,"channel":0,"num_words":37,"start":366.255,"end":379.57},{"sentences":[{"text":"Yes.","start":380.79498,"end":381.29498,"sentiment":"neutral","sentiment_score":0.21715056896209717}],"sentiment":"neutral","sentiment_score":0.21715056896209717,"channel":1,"num_words":1,"start":380.79498,"end":381.29498},{"sentences":[{"text":"Yep.","start":381.55,"end":382.05,"sentiment":"neutral","sentiment_score":0.20292000472545624},{"text":"Now with the little investment changes, the ones I have recommended, it's just making true changes.","start":382.75,"end":389.33,"sentiment":"neutral","sentiment_score":0.24711069371551275},{"text":"Now one is swapping your Benelong Australian equity.","start":389.86502,"end":393.885,"sentiment":"neutral","sentiment_score":0.1425080206245184},{"text":"This was the one I touched on during the under review that I wanted to look at in a bit more detail because it had kind of underperformed a little bit recently, if you remember 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and instead, I have recommended that we introduce one that's called the BetaShares Australia three hundred.","start":405.72,"end":416.04498,"sentiment":"neutral","sentiment_score":0.2008806005693399},{"text":"So because we are selling one Australian investment, we wanna look at another Australian investment and give you kind of a good exposure across the world, but also still making sure we keep things diversified.","start":416.345,"end":428.60498,"sentiment":"positive","sentiment_score":0.5125188912664141},{"text":"So trying to find a similar investment, a little bit more simplified, has performed a bit better, and it's a bit cheaper.","start":428.94,"end":435.92,"sentiment":"positive","sentiment_score":0.4908733367919922},{"text":"So the","start":436.62003,"end":437.58002,"sentiment":"positive","sentiment_score":0.3959479182958603}],"sentiment":"positive","sentiment_score":0.4088490124134456,"channel":0,"num_words":85,"start":405.72,"end":437.58002},{"sentences":[{"text":"Yeah.","start":437.475,"end":437.975,"sentiment":"positive","sentiment_score":0.43036705255508423}],"sentiment":"positive","sentiment_score":0.43036705255508423,"channel":1,"num_words":1,"start":437.475,"end":437.975},{"sentences":[{"text":"BetaShares Australia two hundred, it is pretty straightforward in that how it works is that it just invests in the 200 largest companies listed in Australia.","start":437.58002,"end":447.55502,"sentiment":"positive","sentiment_score":0.3603416532278061},{"text":"So, obviously, being","start":448.17502,"end":449.135,"sentiment":"positive","sentiment_score":0.34028221170107525}],"sentiment":"positive","sentiment_score":0.3582665385871098,"channel":0,"num_words":29,"start":437.58002,"end":449.135},{"sentences":[{"text":"Yeah.","start":449.09003,"end":449.59003,"sentiment":"positive","sentiment_score":0.3633219301700592}],"sentiment":"positive","sentiment_score":0.3633219301700592,"channel":1,"num_words":1,"start":449.09003,"end":449.59003},{"sentences":[{"text":"invested in 200 companies within that one single investment, it gives you a lot of And it 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investments.","start":555.775,"end":569.02,"sentiment":"neutral","sentiment_score":0.13047308065905805},{"text":"So, like, similar to if you were to sell an investment property, there there can be that tax.","start":569.8,"end":575.955,"sentiment":"neutral","sentiment_score":0.0628230928753813},{"text":"Now it is kind of separate, so it's all within the super environment.","start":576.435,"end":580.455,"sentiment":"neutral","sentiment_score":0.09940750151872635}],"sentiment":"neutral","sentiment_score":0.10877095643632315,"channel":0,"num_words":74,"start":553.215,"end":580.455},{"sentences":[{"text":"It's not something you pay for yourself personally, but it is obviously coming out of your super.","start":580.755,"end":586.435,"sentiment":"neutral","sentiment_score":0.09507907861295868},{"text":"It's not something you ever have to declare on a tax statement.","start":586.435,"end":589.255,"sentiment":"neutral","sentiment_score":0.02269628768165906},{"text":"But a good thing is that if 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receives a call from ICU Financial to discuss his investment recommendations and recommends a portfolio that outperials his current one. The speaker suggests staying in hub 24 and changing a few investments around, as well as rebuilding the portfolio to maintain diversification and avoiding capital gains tax. They also recommend changing out a fixed interest investment and rebuilding the portfolio to maintain diversification. The speaker also provides information on a capital gains tax and offers to send an introduction email to the customer. The customer is excited about the changes and will receive an email to follow up."},"intents":{"segments":[{"text":"Now I know I am calling you out of the blue, but I was going to check if you had about fifteen minutes, so sorry, for me to go through the research I did on your super investment with Yeah.","start_word":27,"end_word":66,"intents":[{"intent":"Check availability","confidence_score":0.21732974}]},{"text":"No. That is no stress. And because it's pretty straightforward today, I'm happy to just kind of touch on what the recommendations are. And then, obviously, later when you are home and it's safe for you to do so, just have a look through. And then if you have any questions, you can always just give me a callback. Yeah.","start_word":84,"end_word":143,"intents":[{"intent":"Discuss recommendations","confidence_score":0.7342895}]},{"text":"And then if you have any questions, you can always just give me a callback. Yeah.","start_word":128,"end_word":143,"intents":[{"intent":"Make callback","confidence_score":0.0027044776}]},{"text":"And even though I can hear that it is you, can I just get you to confirm your full name, date of birth, and address, please?","start_word":183,"end_word":208,"intents":[{"intent":"Confirm details","confidence_score":0.027663007}]},{"text":"live in Pumperberg. Yes. Yeah. So that's a bit of a bit of a drive. How far are you?","start_word":288,"end_word":306,"intents":[{"intent":"Confirm location","confidence_score":0.05367435}]},{"text":"some minor recommendations to change a couple of things.","start_word":372,"end_word":380,"intents":[{"intent":"Recommend changing investments","confidence_score":0.0074169114}]},{"text":"There's always new products and features, and it is good to reassess every now and then just to make sure because there's nothing obviously tying us to hub twenty four. So part of the research I did just look at other funds as well just to see how it still compares. Okay.","start_word":512,"end_word":563,"intents":[{"intent":"Discuss new funds and compare investments","confidence_score":0.000113171496}]},{"text":"So it's making things a little bit cheaper for you, which obviously means less fees coming out. You have more money in super to grow for your retirement, which is great. Yep.","start_word":686,"end_word":717,"intents":[{"intent":"Discuss cost savings for retirement","confidence_score":0.0033001108}]},{"text":"Now when it comes to the performance as well, so, again, just changing through investments and rebalancing, it is improving the performance by about 1.68%. So it might Okay.","start_word":719,"end_word":747,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.084310636}]},{"text":"And then the other thing I have recommended, it's just that we rebalance your portfolio, which is something we'd like to do every now and then as well.","start_word":1309,"end_word":1336,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.44557002}]},{"text":"Now the good thing as well with the just making these couple of changes, Richard, is that sometimes when we do sell investments, there is something that's called a capital gains tax that will come out when we do sell investments. So, like, similar to if you were to sell an investment property, there there can be that tax.","start_word":1443,"end_word":1501,"intents":[{"intent":"Make changes","confidence_score":0.101403534}]},{"text":"So the little changes I have recommended, swapping those through investments and rebalancing, it is estimated to trigger no capital gains tax at all, which is great.","start_word":1595,"end_word":1621,"intents":[{"intent":"Swap investments","confidence_score":0.6029546}]},{"text":"I have also included some information in regards to a will and power of attorney in there for you. It is something I always Yes.","start_word":1677,"end_word":1701,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.005879763}]},{"text":"If you have any questions, just you can just give me a callback. If not, if you read through it, it all makes sense you are happy to move forward. Yeah.","start_word":1814,"end_word":1844,"intents":[{"intent":"Provide callback information","confidence_score":0.000502982}]},{"text":"It would now be through click sign on the documents, the same as what you did for the annual review documents. It will then automatically Yeah. send it back to me. And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you. Okay.","start_word":1844,"end_word":1905,"intents":[{"intent":"Ensure smooth application of investment changes","confidence_score":0.00002488378}]},{"text":"send it back to me. And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you. Okay. Sounds good.","start_word":1870,"end_word":1907,"intents":[{"intent":"Transfer to investment team","confidence_score":0.002517425}]},{"text":"the last thing before Yep. I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week. Congratulations.","start_word":1913,"end_word":1957,"intents":[{"intent":"Inquire about future steps","confidence_score":0.00016158428}]},{"text":"I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week. Congratulations.","start_word":1918,"end_word":1957,"intents":[{"intent":"Provide information about mother's return on maternity leave","confidence_score":5.894917e-8}]},{"text":"So what I will actually do as well today is just to send you a bit of a introduction email just to my colleague, Jenna, who is kind of just taking over for me while I am away. I will be away for about twelve months. So that way you have her direct contact details, and then she will kind of oversee as well the implementation of these investment changes if you're happy with them and make Yeah.","start_word":1972,"end_word":2049,"intents":[{"intent":"Check email for investment changes","confidence_score":0.000008656619},{"intent":"Provide introduction email","confidence_score":0.09943715}]}]},"sentiments":{"segments":[{"text":"Speaking. Good afternoon. Is this Richard? Yes. This is Veronica from ICU Financial. How are you? Oh, get over, Monica. Sorry. No worries.","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.1585547924041748},{"text":"That is all good.","start_word":23,"end_word":26,"sentiment":"positive","sentiment_score":0.48833009600639343},{"text":"Now I know I am calling you out of the blue, but I was going to check if you had about fifteen minutes, so sorry, for me to go through the research I did on your super investment with Yeah. That's fine. I'm just driving through Sydney traffic at the moment. So but go for it. you. No. That is no stress.","start_word":27,"end_word":88,"sentiment":"neutral","sentiment_score":0.04721418023109436},{"text":"And because it's pretty straightforward today, I'm happy to just kind of touch on what the recommendations are. And then, obviously, later when you are home and it's safe for you to do so, just have a look through.","start_word":89,"end_word":127,"sentiment":"positive","sentiment_score":0.5102639198303223},{"text":"And then if you have any questions, you can always just give me a callback. Yeah. Yep. No Okay.","start_word":128,"end_word":146,"sentiment":"neutral","sentiment_score":0.17574290931224823},{"text":"worries, Beautiful.","start_word":147,"end_word":148,"sentiment":"positive","sentiment_score":0.35085588693618774},{"text":"Veronica. Now before I do go any further, just per usual, 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":149,"end_word":181,"sentiment":"neutral","sentiment_score":0.07730448991060257},{"text":"Perfect.","start_word":182,"end_word":182,"sentiment":"positive","sentiment_score":0.36636966466903687},{"text":"And even though I can hear that it is you, can I just get you to confirm your full name, date of birth, and address, please? I must have a recognizable or memorable voice then. No. It's yeah. I spoke to you not too long ago. Pardon? I spoke to you not too long ago, so I remember. Yeah. I don't. Richard Rachman Berry. Two two eight two one eight Grimes Road, Sharon. Yep. Beautiful. Had a busy day so far at work. I'm actually going down. I'm driving I'm in Sydney. I'm driving to Wollongong to visit my mother. If you remember, I Yeah. live in Pumperberg. Yes. Yeah. So that's a bit of a bit of a drive. How far are you? Well, I drove eight hours yesterday. I mean, to my tenth hour today. Probably got two and a half to go. Oh, yeah. So Almost there. I'm talking. Yeah. Yeah. Almost there. Well, I won't keep you for too long. But like I said, Richard, obviously, You alright? after the under review, I did some research on your super investments, and I have made Yeah. some minor recommendations to change a couple of things. Not very big, but every time we do make a recommendation for you, we have to put everything in a statement of advice. So that is what I have just emailed you. Now Yeah. it is quite No long. worries. It is just for compliance purposes as well, just so making sure that you fully understand everything. But it is pretty straightforward Yep. today. The purpose was to just review your superannuation, and that's it. Not changing anything with insurance or anything else. Just literally reviewing your Yep. super. So part of Okay. the research is also I made some research on your current Hub twenty four account as well just to make sure it was still the best option for you because there's always new super Yep. funds out there. There's always new products and features, and it is good to reassess every now and then just to make sure because there's nothing obviously tying us to hub twenty four. So part of the research I did just look at other funds as well just to see how it still compares. Okay. And Yeah. it's still very much competitive. So I have recommended that we stay in hub twenty four and literally just kind of Yeah. change two investments around. It's very competitive when it comes to their fees and features and investment choices, and I do use hub twenty four for my personal as well. But like I said, I have recommended you stay in hub twenty four. Just change a couple of investments around. Okay. Now Yeah. what those Good. changes actually kind of looks like for you, even though it's only changing two investments and rebalancing your portfolio, so so not very major changes, it is actually saving you about $1,245 in investment fees, which is pretty Okay. crazy. Yeah.","start_word":183,"end_word":684,"sentiment":"neutral","sentiment_score":0.11284081171131304},{"text":"Yeah. So it's making things a little bit cheaper for you, which obviously means less fees coming out. You have more money in super to grow for your retirement, which is great.","start_word":685,"end_word":716,"sentiment":"positive","sentiment_score":0.6328677535057068},{"text":"Yep.","start_word":717,"end_word":717,"sentiment":"neutral","sentiment_score":0.25718945264816284},{"text":"Now when it comes to the performance as well, so, again, just changing through investments and rebalancing, it is improving the performance by about 1.68%.","start_word":718,"end_word":742,"sentiment":"positive","sentiment_score":0.4912607967853546},{"text":"So it might Okay. not sound major, but, again, kind of that with compounding fee savings, it does make a pretty big difference. Now, obviously, with the performance, you can't guarantee guarantee anything. You can't guarantee what's going to happen in the market. So that is why we use when Yeah. we do the research, a five year period. So we look at a five year period of time, averaging that out on a yearly basis to then kind of give us the the average return to give us a little bit more certainty of what has actually happened. Does that make sense, Richard? Yes. Yeah. Yes.","start_word":743,"end_word":849,"sentiment":"neutral","sentiment_score":0.11007759720087051},{"text":"Beautiful. And Yep.","start_word":850,"end_word":852,"sentiment":"positive","sentiment_score":0.4368918836116791},{"text":"with those little changes, it is when we're forecasting forward for five years. So I have done five and ten years for you in the document. But when we are looking Yeah. at just a five year period, it's making a difference of about 46,000, which is pretty crazy. Yeah. That's a lot. Yeah. Yeah. Now we are not changing your risk profile, so we are keeping you in a high growth portfolio. It's very suitable for you. You still have plenty of time with your retirement to take advantage of trying to grow that super as much as possible. So not Yes. making any changes when it comes to the risk profile. Now Yep.","start_word":853,"end_word":967,"sentiment":"neutral","sentiment_score":0.14869257807731628},{"text":"when we're also looking at a longer period of time with performance, a 12, three years, five, and ten years, the recommended portfolio has outperformed your current one across all time frames, which, again, is really good.","start_word":968,"end_word":1004,"sentiment":"positive","sentiment_score":0.3432440459728241},{"text":"Yes. Yep. Now with the little investment changes, the ones I have recommended, it's just making true changes. Now one is swapping your Benelong Australian equity. This was the one I touched on during the under review that I wanted to look at in a bit more detail because it had kind of underperformed a little bit recently, if you remember that. Yeah. Yeah. Yep. So I have recommended that we sell out of Venelon, and instead, I have recommended that we introduce one that's called the BetaShares Australia three hundred.","start_word":1005,"end_word":1095,"sentiment":"neutral","sentiment_score":0.12234926117318017},{"text":"So because we are selling one Australian investment, we wanna look at another Australian investment and give you kind of a good exposure across the world, but also still making sure we keep things diversified. So trying to find a similar investment, a little bit more simplified, has performed a bit better, and it's a bit cheaper. So the Yeah. BetaShares Australia two hundred, it is pretty straightforward in that how it works is that it just invests in the 200 largest companies listed in Australia. So, obviously, being Yeah.","start_word":1096,"end_word":1185,"sentiment":"positive","sentiment_score":0.4542306363582611},{"text":"invested in 200 companies within that one single investment, it gives you a lot of And it also Yep. means you're not gonna have that same kind of buying and selling frequency that you had with Benelon.","start_word":1186,"end_word":1222,"sentiment":"neutral","sentiment_score":0.25990062952041626},{"text":"So a little bit smoother for you while still making sure we maximize that growth. So that change I have recommended.","start_word":1223,"end_word":1243,"sentiment":"positive","sentiment_score":0.45101141929626465},{"text":"The Yeah. other change for you, it is just changing out the one of your defensive investment, which is the bank hybrids. They are actually phasing out this investment completely. So instead, I've just introduced just another fixed interest to keep things very simple. One, actually, we have some some defensive investments, and that's just a fixed interest called Compass at Botch.","start_word":1244,"end_word":1305,"sentiment":"neutral","sentiment_score":0.16439121961593628},{"text":"So very straightforward.","start_word":1306,"end_word":1308,"sentiment":"positive","sentiment_score":0.3395087718963623},{"text":"And then the other thing I have recommended, it's just that we rebalance your portfolio, which is something we'd like to do every now and then as well. Basically, what rebalancing means is, obviously, investments within your suit that do fluctuate the market movement. So that can cause some investments to get a higher exposures and some to get a lower exposure. So rebalancing basically just means bringing everything back into alignment for me for you, for making sure it still kind of maintains the appropriate diversification, but also just make sure that your portfolio continues to reflect the level of risk that is suitable for you so that you don't take on too much or too little risk. It's just kind of reshuffling everything back to alignment, if that makes Okay. sense. Yeah. Now the good thing as well with the just making these couple of changes, Richard, is that sometimes when we do sell investments, there is something that's called a capital gains tax that will come out when we do sell investments. So, like, similar to if you were to sell an investment property, there there can be that tax. Now it is kind of separate, so it's all within the super environment. It's not something you pay for yourself personally, but it is obviously coming out of your super. It's not something you ever have to declare on a tax statement.","start_word":1309,"end_word":1543,"sentiment":"neutral","sentiment_score":0.1437745395493},{"text":"But a good thing is that if we were to swap all your investments around, the capital gains tax, because your investments have done really well, which is great, would have been about $6,489. So it's a pretty hefty.","start_word":1544,"end_word":1582,"sentiment":"positive","sentiment_score":0.44523054361343384},{"text":"So I obviously wanna make sure we we do that for you. So the little changes I have recommended, swapping those through investments and rebalancing, it is estimated to trigger no capital gains tax at all, which is great.","start_word":1583,"end_word":1621,"sentiment":"neutral","sentiment_score":0.31584131717681885},{"text":"Excellent. Yep. Yeah. Beautiful. And that was essentially everything. So like I said, pretty straightforward. Keeping you up 24 things are going really well. It's just swapping two investments out for other ones that's a little bit cheaper, has performed a little bit better, and then kind of bringing everything back into alignment for you.","start_word":1622,"end_word":1676,"sentiment":"positive","sentiment_score":0.48551318049430847},{"text":"I have also included some information in regards to a will and power of attorney in there for you. It is something I always Yes. recommend everyone to consider. So it's all in there for you for you to have a bit of a read over, and Okay. that was Yep. essentially everything.","start_word":1677,"end_word":1729,"sentiment":"neutral","sentiment_score":0.2140718251466751},{"text":"So so pretty Thank straightforward.","start_word":1730,"end_word":1734,"sentiment":"positive","sentiment_score":0.38562268018722534},{"text":"you. Yeah. Do you have any questions for me, Richard, on any of that? Yeah. No. No. That Not sounds make all sense? good. Yeah. Okay. Yes. Beautiful. Yeah. Yeah. So, essentially, from here, obviously, when you have time and when it's safe to do so, just go to your email. You will have that kind of same link for me. It it will then allow you to open up the document and have a look at it. If you have any questions, just you can just give me a callback.","start_word":1735,"end_word":1825,"sentiment":"neutral","sentiment_score":0.1157853411776679},{"text":"If not, if you read through it, it all makes sense you are happy to move forward.","start_word":1826,"end_word":1842,"sentiment":"positive","sentiment_score":0.3399469256401062},{"text":"Yeah. It would now be through click sign on the documents, the same as what you did for the annual review documents. It will then automatically Yeah. send it back to me.","start_word":1843,"end_word":1874,"sentiment":"neutral","sentiment_score":0.24754534661769867},{"text":"And that tells me that you're happy with these couple of changes, and then I can let the investment team know to go ahead and and action those for you. Okay. Sounds good. Yep. Good. Beautiful. Now Yeah.","start_word":1875,"end_word":1912,"sentiment":"positive","sentiment_score":0.4583451747894287},{"text":"the last thing before Yep. I let you go and get back to your drive, Richard, is that I do wanna just let you know that on a personal note, I will actually be going on maternity leave at the end of this week.","start_word":1913,"end_word":1956,"sentiment":"neutral","sentiment_score":0.19352902472019196},{"text":"Congratulations. Oh, thank you very much.","start_word":1957,"end_word":1962,"sentiment":"positive","sentiment_score":0.4363821148872375},{"text":"So what I will Oh, thank you very much. So what I will actually do as well today is just to send you a bit of a introduction email just to my colleague, Jenna, who is kind of just taking over for me while I am away. I will be away for about twelve months. So that way you have her direct contact details, and then she will kind of oversee as well the implementation of these investment changes if you're happy with them and make Yeah. sure everything gets Okay. actioned smoothly for No worries. Can you. Yep. do.","start_word":1963,"end_word":2062,"sentiment":"neutral","sentiment_score":0.13105054199695587},{"text":"Perfect.","start_word":2063,"end_word":2063,"sentiment":"positive","sentiment_score":0.3893696069717407},{"text":"Do you have any questions for me before I let you go otherwise? I don't know. Is it a boy or a girl? It's a little girl. Yeah. This is yeah. My my first one.","start_word":2064,"end_word":2098,"sentiment":"neutral","sentiment_score":0.06957020610570908},{"text":"Very, very excited.","start_word":2099,"end_word":2101,"sentiment":"positive","sentiment_score":0.4663976132869721},{"text":"Yeah. That's what everyone tells me. Yes. Yes. But no. Very, very, very exciting. Yeah. Thank you. Yeah. Yeah. Perfect. Well, keep a lookout for that email. I will send you that today. And then, yeah, Yes. otherwise, have a look through that document, and we'll get those investments stored for you. Okay. No worries.","start_word":2102,"end_word":2156,"sentiment":"neutral","sentiment_score":0.1845720261335373},{"text":"Thanks for calling it, Catherine.","start_word":2157,"end_word":2161,"sentiment":"positive","sentiment_score":0.4232315421104431},{"text":"No worries, Richard, and have a safe drive Okay. with everything for you. Yep. Alright.","start_word":2162,"end_word":2176,"sentiment":"neutral","sentiment_score":0.24986621737480164},{"text":"Thank you. We'll All speak the best later. to you. Thank you. Thank you so much. Bye.","start_word":2177,"end_word":2193,"sentiment":"positive","sentiment_score":0.5112618348177742},{"text":"Alright. Bye. Bye.","start_word":2194,"end_word":2196,"sentiment":"neutral","sentiment_score":0.16539129614830017}],"average":{"sentiment":"neutral","sentiment_score":0.2026995557585044}}}}