{"metadata":{"transaction_key":"deprecated","request_id":"85aa91ee-e86a-47ea-a5ea-2f27c920b216","sha256":"1526e9797f829665ec30b321bdfa95b87ab0c5cde31a70f1404b09ca36501fb3","created":"2026-02-23T22:20:19.263Z","duration":1079.3519,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4003,"output_tokens":120},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4429,"output_tokens":4438},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4429,"output_tokens":270}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning. Is this Matthew? Yeah. Good. How are you? That's good. It's obviously Veronica from OCU Financial. And I had you booked in just to go over the the research that I did there for you. Is now still a good time? Sorry, Matthew. You still there? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here. And how's your morning going so far? Busy or just kind of getting started? Yeah. I'll try to keep it quick for you. It should be alright by then. Yeah. Yeah. Now do you have access to your emails at the moment, or are you on the road? Or That's okay. Yeah. Okay. So because what I've done is if you can get it up or or in three minutes when you can, I have just sent you the statement of advice to run through? And it does sometimes make it a bit easier if you can get it up at the same time. But if you can't, it is fairly straightforward. I'm happy to run through it, and then you can have a have a quick read of it when you have a moment. It's up to you if you do have. Yeah. Perfect. Now, obviously, from our last conversation, we had that lost super authority come back for you from the ATO, which kind of obviously when we we started going down the research, and it showed that you had, like, an old Aware Super. I think it was, like, a a BT Panorama and then a PSAP account as well. So I spoke through to all the funds, and they have confirmed that they've already been consolidated and closed down, which is good. Sometimes the ATO have a little bit outdated information. It takes a little while to get that updated, but it's always good to double check. Yeah. So that's all been consolidated. You only have your net wealth, which is good. Now in the statement of advice, a little bit is just for compliance purposes. It is pretty straightforward, but, obviously, when you have a moment, have a read through it. Any questions, let me know. When you do have a look at it, you will see that, the statement of advice has been prepared just for yourself. You will have my authorized representative, number listed on the first page, and I'm obviously licensed under Oakview Financial. Yep. Now you would obviously be aware that every time we do a recommendation and provide these strategies, we have to follow that best interest duty, which is obviously to make sure that all the advice and everything we do has to be in your best interest. And it does have to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Yep. Perfect. Now when you do have a read through it, you will see little sections talking about what we are scraping in and and scraping out, and that basically just narrows down to what we are looking at today. Basically, today, though, it is just your fee of annuation to see if we needed to consolidate it, which we've obviously ruled out we didn't have to, which is great. And I have, oh, I'm also done a bit of a review on your investments. I have made some recommendations on a couple of changes, which I'll run through with you. But, otherwise, that is that is essentially the gist of it. Just with your investments, we are not making any changes to your insurances. You were quite happy with them. They align with your needs, and they are quite affordable. So not making any changes to insurances or anything like that. Literally just the the superannuation. Yeah. Perfect. Now I did also have some I did some research on your Netwealth account as well just to make sure, you know, you're still going to be the best for you or if there were other alternative options out there. And from from the research, it's still very much a good option for you. There were some other options I did consider. There was another one that was pretty closely when it comes to the features and the price. It was a tiny bit cheaper per year in administration fees, but because but because your super has gone up so much, which is good, if I suggested that we do make the change, you would have to pay a bit of capital gains tax by selling and switching, and the tax just wasn't worth at the minimal cost you would save on administration. Does that make sense? Yeah. Sorry. No. That's okay. So, yeah, Netwealth is still very much a good option for you, so I'm not recommending that we change it, keep you within Netwealth. Mhmm. Yeah. Yeah. Mhmm. Yeah. So it's because, obviously, your investments have gone up. And every time you sell an investment, you have to pay capital gains tax. Now it is yeah. So similar to, you know, if you were to have an investment property and stuff like that, you would have to pay it, but it is reduced in superannuation. So you would yeah. So you'd only have to pay 15%. And if you've had the investment more than twelve months, it does get reduced to 10%. But this is still something that we factor in, obviously, when making changes that we do wanna minimize that if possible, but still, obviously, making sure we have the the good investments for you. Yep. Does that make sense? Yes. Perfect. Most people don't know that actually either. You just don't think that you have to because it's normally just taken care of within the situation environment, and you just don't know. So yeah. Now when it comes through your risk profile, I haven't made any changes at all through it. We are still keeping you within a high growth portfolio. You're quite comfortable with high growth. The goal is still because you do have plenty of time until your time and is to try to maximize that growth for you While you do have the time, having about 90% invested in those growth investments and about 10% in those defensives. So limit fluctuation is a little bit, but the goal is to try to maximize that growth for you. Yeah. Yeah. We've seen a lot of fluctuations in in the market, and the biggest contributor through your fluctuation in that portfolio was was that Benelon investment, which I have recommended that we change. So that was that managed fund that we had invested in your portfolio. So when when you came on board, that one had done really, really well and kind of acted as the function of kinda outperforming the market by kind of actively buying and selling investments, which is how that one works, differently through your other investments, which are just kinda following an index. But recently, with the suspension of one of their investment, that Coastal Travel Group, they saw that big drop in prices. So I have recommended that we change that one out to other option that's going to be a little bit better for you because we're obviously Correct. Yes. So when you do have a look at it so if we're looking at investment so when you it probably makes more sense when you can have a look at the document in front of you, but that is on page 16. That shows you a breakdown of your current investment, and then that once I have recommended that we change. So it's not a big difference in the investment. A lot of your investments have done well, so we are keeping them again to kinda minimize the capital gains tax, but still making sure that they align with you and that they are doing well. So the biggest one is that Benelon investment. So we are selling out of that one. And there's another one that I shared with you as well we are selling out of, which, again, when you do have a look at it on page 16, it might make a bit more sense. But, otherwise, we are keeping in the portfolio. We are keeping you gold. It's done really well. So we're keeping that one in your portfolio. We are also keeping the better cybersecurity in your investments. Obviously, AI technology is not going anywhere anytime soon. So there's a lot of a lot of things in that space. It's only about 6% of the portfolio because they can fluctuate a little bit. So only about six percent to try and do that. We are also keeping the Europe iShares in the portfolio as well. Again, it's doing pretty good. Only about 9% We're keeping that one. And also keeping your Japan iShares investment again at about 5%. Also keeping the iShares S and P 500, that one has done really well, and it's a very diversified investment. Because in that one single investment, it does invest in the 500 largest companies listed in The US. Very diversified in that one single investment, and that is why that one is the biggest portion of your portfolio. Yep. Perfect. And then we have also introduced three new ones for you. So we have swapped the Miski World for a very similar one. It's called Vanguard All World. You may have heard of Vanguard before. Yeah. So they're very big, and it is an ETF that is following that index, and it is in invest in different companies around the world, but it does expose The US. Because you already have exposure to The US in that IHS S and P 500, then we don't want you to be too concentrated in one market. Does that make sense? Yeah. Yeah. Perfect. And the no. That's okay. Oh, no. That's okay. We're almost at the end as well because I do know you have a meeting shortly. So, basically, the other change is sorry. Instead of the Benelung investment, which was focusing on the Australian equity, we do still wanna have the Australian exposure, but wanna swap it for something that's done a little bit better for you and a little bit cheaper as well with the same function. And that is the BetaShares Australia 200. And in that investment, it does invest in the 200 largest companies listed on the ASX. So you will have companies, you know, like Commonwealth and BHP and Woolworths, all the big companies in Australia as well. Does that make sense? Yes. Yes. Yeah. Perfect. Now those are kind of the changes with your investments, and I do wanna highlight. So when you have a look at it, again, it'll be on page 12. It might look a little bit messy, but it's one of those tables showing you a bit of a projection forecast, and that includes, you know, all the fees and the returns and stuff like that. It's basically where all the math comes into play. It's all in a table for you so you can see it. Essentially, you will see that by making the change so even though we're not making any changes to contributions and insurance, it's just your investment, you're still saving about $455 per year in fees alone just from those investments, which is pretty good. Yeah. And with the the return as well, so we do use a five year rolling average when we are looking at the portfolio because it does give us, you know, more certainty of what's happened in the market. Now some years may be a little bit less and and some years will be higher, but we do like to use five years to give us a bit more, you know, of a of an understanding and also to be more fair to you. Because depending on when I used the twelve months, sometimes it would have looked like you've won the lottery. Other years, like the last twelve months, not as great. So we do use that five year. And your current portfolio, if we are using that five years, it has performed at 12.85% using five years. The recommended is 19.67%. So pretty big difference, and it's cheaper, which is really good. Yeah. Now there is a little bit of that tax I mentioned. It is very minimal, and it's only about $206. All within Superbop, that's something I do wanna let you know because we are swapping some of those investments. There are a little bit of that, but only about $206. Yes. That is the tax paid within super because they are selling some of your investment. Yeah. You will see that I have kind of projected that forecast for about five and ten years. And you need to look at five years. You know, if everything kind of stays the same, it would still be a difference of about $85,000 by making those little changes in the investment, which is pretty good. Yeah. It does make a big difference, and it's literally just from swapping some of those investments, and that's why the annual reviews are so good. Now we always, you know, do research on the investments and the market all the time every day, but the annual reviews are good kind of, you know, alignment point where we can do more of that in-depth research to see yourself. What happened? Do we wanna make any changes? And then do that. The good thing with Netwealth is there's hundreds of different options. So if there is one, like, for example, Benelon that haven't done so well, we can then pop it for something that's going to put you in a better position. Yep. Perfect. Now that is basically the the gist of the advice. The last thing I do wanna mention as well is that there's no additional fees or anything like that if you do wanna go ahead with the change. It is all part of your ongoing advice fee. Just that 1.65 from superannuation. No changes at all. If you do wanna go ahead, like I said, it's all part of the ongoing advice fee for you. Yep. Perfect. Now, Matthew, do you have any questions in regards to any of that, or was that pretty straightforward? Yeah. Perfect. So, obviously, take your time, have a read over it. Any questions, let me know. But, otherwise, if you are happy to go ahead with the change, I will just need you to sign that document when you have a moment. Once you've signed it, it will then come back to me. I will get notified, and then I will let the team know to go ahead and make those investments changes for you. You can do it after. That's okay. Especially if you're a bit off the time. Yeah. No. That's okay. If you get any issues, though, with signing, let me know. But, no, otherwise, you can do it, you know, later today or tomorrow when you have a moment. That's okay. K. Perfect. Now, Matthew, do you have any other questions before I let you go, otherwise? Okay. Yep. Yep. Okay. That's okay. No. I can update the records here, but it doesn't change the advice. It would only kind of be very it would be very important if we were to change any of your insurances, if that would change anything. But we're not changing the insurances. But if you do know the medication, I could just update our records anyway, so we do have it. But it doesn't change what we went over today. Do you know the the medication? Yep. You might have to spell it for a minute. A g o. Yep. M e l. Yep. Alright. Perfect. I will note that down. Thank you for letting us know. But, yeah, no. It doesn't doesn't change anything from from the advice. But, you know, if anything does change and you wanna revisit your insurances or anything like that, just just let us know. Yeah. Perfect. Well, otherwise, I will let you go and get to your meeting. Hopefully, you have the a great rest of your day, and I'll keep a lookout for that document to come through. Mhmm. Yeah. Okay. Perfect. Well, thank you so much for your time today, Matthew, and I look forward to speaking with you soon again. Mhmm. You too. 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morning. Is this Matthew? Yeah. Good. How are you?\n\nThat's good. It's obviously Veronica from OCU Financial. And I had you booked in just to go over the the research that I did there for you. Is now still a good time? Sorry, Matthew.\n\nYou still there? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah.\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect.\n\nThat's exactly what I have here. And how's your morning going so far? Busy or just kind of getting started? Yeah. I'll try to keep it quick for you.\n\nIt should be alright by then. Yeah. Yeah. Now do you have access to your emails at the moment, or are you on the road? Or That's okay.\n\nYeah. Okay. So because what I've done is if you can get it up or or in three minutes when you can, I have just sent you the statement of advice to run through? And it does sometimes make it a bit easier if you can get it up at the same time. But if you can't, it is fairly straightforward.\n\nI'm happy to run through it, and then you can have a have a quick read of it when you have a moment. It's up to you if you do have. Yeah. Perfect. Now, obviously, from our last conversation, we had that lost super authority come back for you from the ATO, which kind of obviously when we we started going down the research, and it showed that you had, like, an old Aware Super.\n\nI think it was, like, a a BT Panorama and then a PSAP account as well. So I spoke through to all the funds, and they have confirmed that they've already been consolidated and closed down, which is good. Sometimes the ATO have a little bit outdated information. It takes a little while to get that updated, but it's always good to double check. Yeah.\n\nSo that's all been consolidated. You only have your net wealth, which is good. Now in the statement of advice, a little bit is just for compliance purposes. It is pretty straightforward, but, obviously, when you have a moment, have a read through it. Any questions, let me know.\n\nWhen you do have a look at it, you will see that, the statement of advice has been prepared just for yourself. You will have my authorized representative, number listed on the first page, and I'm obviously licensed under Oakview Financial. Yep. Now you would obviously be aware that every time we do a recommendation and provide these strategies, we have to follow that best interest duty, which is obviously to make sure that all the advice and everything we do has to be in your best interest. And it does have to put you in a better position as a result of the advice.\n\nOtherwise, we cannot actually make the recommendation. Yep. Perfect. Now when you do have a read through it, you will see little sections talking about what we are scraping in and and scraping out, and that basically just narrows down to what we are looking at today. Basically, today, though, it is just your fee of annuation to see if we needed to consolidate it, which we've obviously ruled out we didn't have to, which is great.\n\nAnd I have, oh, I'm also done a bit of a review on your investments. I have made some recommendations on a couple of changes, which I'll run through with you. But, otherwise, that is that is essentially the gist of it. Just with your investments, we are not making any changes to your insurances. You were quite happy with them.\n\nThey align with your needs, and they are quite affordable. So not making any changes to insurances or anything like that. Literally just the the superannuation. Yeah. Perfect.\n\nNow I did also have some I did some research on your Netwealth account as well just to make sure, you know, you're still going to be the best for you or if there were other alternative options out there. And from from the research, it's still very much a good option for you. There were some other options I did consider. There was another one that was pretty closely when it comes to the features and the price. It was a tiny bit cheaper per year in administration fees, but because but because your super has gone up so much, which is good, if I suggested that we do make the change, you would have to pay a bit of capital gains tax by selling and switching, and the tax just wasn't worth at the minimal cost you would save on administration.\n\nDoes that make sense? Yeah. Sorry. No. That's okay.\n\nSo, yeah, Netwealth is still very much a good option for you, so I'm not recommending that we change it, keep you within Netwealth. Mhmm. Yeah. Yeah. Mhmm.\n\nYeah. So it's because, obviously, your investments have gone up. And every time you sell an investment, you have to pay capital gains tax. Now it is yeah. So similar to, you know, if you were to have an investment property and stuff like that, you would have to pay it, but it is reduced in superannuation.\n\nSo you would yeah. So you'd only have to pay 15%. And if you've had the investment more than twelve months, it does get reduced to 10%. But this is still something that we factor in, obviously, when making changes that we do wanna minimize that if possible, but still, obviously, making sure we have the the good investments for you. Yep.\n\nDoes that make sense? Yes. Perfect. Most people don't know that actually either. You just don't think that you have to because it's normally just taken care of within the situation environment, and you just don't know.\n\nSo yeah. Now when it comes through your risk profile, I haven't made any changes at all through it. We are still keeping you within a high growth portfolio. You're quite comfortable with high growth. The goal is still because you do have plenty of time until your time and is to try to maximize that growth for you While you do have the time, having about 90% invested in those growth investments and about 10% in those defensives.\n\nSo limit fluctuation is a little bit, but the goal is to try to maximize that growth for you. Yeah. Yeah. We've seen a lot of fluctuations in in the market, and the biggest contributor through your fluctuation in that portfolio was was that Benelon investment, which I have recommended that we change. So that was that managed fund that we had invested in your portfolio.\n\nSo when when you came on board, that one had done really, really well and kind of acted as the function of kinda outperforming the market by kind of actively buying and selling investments, which is how that one works, differently through your other investments, which are just kinda following an index. But recently, with the suspension of one of their investment, that Coastal Travel Group, they saw that big drop in prices. So I have recommended that we change that one out to other option that's going to be a little bit better for you because we're obviously Correct. Yes. So when you do have a look at it so if we're looking at investment so when you it probably makes more sense when you can have a look at the document in front of you, but that is on page 16.\n\nThat shows you a breakdown of your current investment, and then that once I have recommended that we change. So it's not a big difference in the investment. A lot of your investments have done well, so we are keeping them again to kinda minimize the capital gains tax, but still making sure that they align with you and that they are doing well. So the biggest one is that Benelon investment. So we are selling out of that one.\n\nAnd there's another one that I shared with you as well we are selling out of, which, again, when you do have a look at it on page 16, it might make a bit more sense. But, otherwise, we are keeping in the portfolio. We are keeping you gold. It's done really well. So we're keeping that one in your portfolio.\n\nWe are also keeping the better cybersecurity in your investments. Obviously, AI technology is not going anywhere anytime soon. So there's a lot of a lot of things in that space. It's only about 6% of the portfolio because they can fluctuate a little bit. So only about six percent to try and do that.\n\nWe are also keeping the Europe iShares in the portfolio as well. Again, it's doing pretty good. Only about 9% We're keeping that one. And also keeping your Japan iShares investment again at about 5%. Also keeping the iShares S and P 500, that one has done really well, and it's a very diversified investment.\n\nBecause in that one single investment, it does invest in the 500 largest companies listed in The US. Very diversified in that one single investment, and that is why that one is the biggest portion of your portfolio. Yep. Perfect. And then we have also introduced three new ones for you.\n\nSo we have swapped the Miski World for a very similar one. It's called Vanguard All World. You may have heard of Vanguard before. Yeah. So they're very big, and it is an ETF that is following that index, and it is in invest in different companies around the world, but it does expose The US.\n\nBecause you already have exposure to The US in that IHS S and P 500, then we don't want you to be too concentrated in one market. Does that make sense? Yeah. Yeah. Perfect.\n\nAnd the no. That's okay. Oh, no. That's okay. We're almost at the end as well because I do know you have a meeting shortly.\n\nSo, basically, the other change is sorry. Instead of the Benelung investment, which was focusing on the Australian equity, we do still wanna have the Australian exposure, but wanna swap it for something that's done a little bit better for you and a little bit cheaper as well with the same function. And that is the BetaShares Australia 200. And in that investment, it does invest in the 200 largest companies listed on the ASX. So you will have companies, you know, like Commonwealth and BHP and Woolworths, all the big companies in Australia as well.\n\nDoes that make sense? Yes. Yes. Yeah. Perfect.\n\nNow those are kind of the changes with your investments, and I do wanna highlight. So when you have a look at it, again, it'll be on page 12. It might look a little bit messy, but it's one of those tables showing you a bit of a projection forecast, and that includes, you know, all the fees and the returns and stuff like that. It's basically where all the math comes into play. It's all in a table for you so you can see it.\n\nEssentially, you will see that by making the change so even though we're not making any changes to contributions and insurance, it's just your investment, you're still saving about $455 per year in fees alone just from those investments, which is pretty good. Yeah. And with the the return as well, so we do use a five year rolling average when we are looking at the portfolio because it does give us, you know, more certainty of what's happened in the market. Now some years may be a little bit less and and some years will be higher, but we do like to use five years to give us a bit more, you know, of a of an understanding and also to be more fair to you. Because depending on when I used the twelve months, sometimes it would have looked like you've won the lottery.\n\nOther years, like the last twelve months, not as great. So we do use that five year. And your current portfolio, if we are using that five years, it has performed at 12.85% using five years. The recommended is 19.67%. So pretty big difference, and it's cheaper, which is really good.\n\nYeah. Now there is a little bit of that tax I mentioned. It is very minimal, and it's only about $206. All within Superbop, that's something I do wanna let you know because we are swapping some of those investments. There are a little bit of that, but only about $206.\n\nYes. That is the tax paid within super because they are selling some of your investment. Yeah. You will see that I have kind of projected that forecast for about five and ten years. And you need to look at five years.\n\nYou know, if everything kind of stays the same, it would still be a difference of about $85,000 by making those little changes in the investment, which is pretty good. Yeah. It does make a big difference, and it's literally just from swapping some of those investments, and that's why the annual reviews are so good. Now we always, you know, do research on the investments and the market all the time every day, but the annual reviews are good kind of, you know, alignment point where we can do more of that in-depth research to see yourself. What happened?\n\nDo we wanna make any changes? And then do that. The good thing with Netwealth is there's hundreds of different options. So if there is one, like, for example, Benelon that haven't done so well, we can then pop it for something that's going to put you in a better position. Yep.\n\nPerfect. Now that is basically the the gist of the advice. The last thing I do wanna mention as well is that there's no additional fees or anything like that if you do wanna go ahead with the change. It is all part of your ongoing advice fee. Just that 1.65 from superannuation.\n\nNo changes at all. If you do wanna go ahead, like I said, it's all part of the ongoing advice fee for you. Yep. Perfect. Now, Matthew, do you have any questions in regards to any of that, or was that pretty straightforward?\n\nYeah. Perfect. So, obviously, take your time, have a read over it. Any questions, let me know. But, otherwise, if you are happy to go ahead with the change, I will just need you to sign that document when you have a moment.\n\nOnce you've signed it, it will then come back to me. I will get notified, and then I will let the team know to go ahead and make those investments changes for you. You can do it after. That's okay. Especially if you're a bit off the time.\n\nYeah. No. That's okay. If you get any issues, though, with signing, let me know. But, no, otherwise, you can do it, you know, later today or tomorrow when you have a moment.\n\nThat's okay. K. Perfect. Now, Matthew, do you have any other questions before I let you go, otherwise? Okay.\n\nYep. Yep. Okay. That's okay. No.\n\nI can update the records here, but it doesn't change the advice. It would only kind of be very it would be very important if we were to change any of your insurances, if that would change anything. But we're not changing the insurances. But if you do know the medication, I could just update our records anyway, so we do have it. But it doesn't change what we went over today.\n\nDo you know the the medication? Yep. You might have to spell it for a minute. A g o. Yep.\n\nM e l. Yep. Alright. Perfect. I will note that down.\n\nThank you for letting us know. But, yeah, no. It doesn't doesn't change anything from from the advice. But, you know, if anything does change and you wanna revisit your insurances or anything like that, just just let us know. Yeah.\n\nPerfect. Well, otherwise, I will let you go and get to your meeting. Hopefully, you have the a great rest of your day, and I'll keep a lookout for that document to come through. Mhmm. Yeah.\n\nOkay. Perfect. Well, thank you so much for your time today, Matthew, and I look forward to speaking with you soon again. Mhmm. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":3.1999998,"end":3.76,"sentiment":"neutral","sentiment_score":0.3094227761030197},{"text":"Is this Matthew?","start":3.76,"end":4.58,"sentiment":"neutral","sentiment_score":0.20030359427134195},{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.21909283101558685},{"text":"Good.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.42768242955207825},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.2669239342212677}],"sentiment":"neutral","sentiment_score":0.2667303398251534,"num_words":10,"start":3.1999998,"end":7.94},{"sentences":[{"text":"That's good.","start":9.5199995,"end":10.34,"sentiment":"positive","sentiment_score":0.6379851698875427},{"text":"It's obviously Veronica from OCU Financial.","start":10.88,"end":13.139999,"sentiment":"neutral","sentiment_score":0.32274824132521945},{"text":"And I had you booked in just to go over the the research that I did there for you.","start":14.575,"end":20.335,"sentiment":"neutral","sentiment_score":0.290981724858284},{"text":"Is now still a good time?","start":20.335,"end":21.795,"sentiment":"neutral","sentiment_score":0.21831985314687094},{"text":"Sorry, Matthew.","start":27.55,"end":28.189999,"sentiment":"neutral","sentiment_score":0.010154990013688803}],"sentiment":"neutral","sentiment_score":0.28775261882692577,"num_words":35,"start":9.5199995,"end":28.189999},{"sentences":[{"text":"You still there?","start":28.189999,"end":29.009998,"sentiment":"neutral","sentiment_score":-0.004848388644556205},{"text":"Yep.","start":30.669998,"end":31.169998,"sentiment":"neutral","sentiment_score":0.2381785809993744},{"text":"Perfect.","start":31.31,"end":31.81,"sentiment":"positive","sentiment_score":0.392743319272995},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":32.91,"end":40.449997,"sentiment":"neutral","sentiment_score":0.04904264757602379},{"text":"Yeah.","start":41.745,"end":42.145,"sentiment":"neutral","sentiment_score":0.13889139890670776}],"sentiment":"neutral","sentiment_score":0.06221442608428853,"num_words":35,"start":28.189999,"end":42.145},{"sentences":[{"text":"Perfect.","start":42.145,"end":42.645,"sentiment":"neutral","sentiment_score":0.24925771355628967},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":42.704998,"end":50.165,"sentiment":"neutral","sentiment_score":0.0901583881618885},{"text":"Yep.","start":59.28,"end":59.78,"sentiment":"neutral","sentiment_score":0.06354130059480667},{"text":"Yep.","start":60.0,"end":60.48,"sentiment":"neutral","sentiment_score":0.15906667709350586},{"text":"Perfect.","start":60.48,"end":60.96,"sentiment":"positive","sentiment_score":0.534388542175293}],"sentiment":"neutral","sentiment_score":0.11167907752096654,"num_words":30,"start":42.145,"end":60.96},{"sentences":[{"text":"That's exactly what I have here.","start":60.96,"end":62.48,"sentiment":"positive","sentiment_score":0.5038119405508041},{"text":"And how's your morning going so far?","start":62.48,"end":64.32,"sentiment":"neutral","sentiment_score":0.1736487320491246},{"text":"Busy or just kind of getting started?","start":64.32,"end":66.1,"sentiment":"neutral","sentiment_score":0.005065142043999263},{"text":"Yeah.","start":69.34499,"end":69.84499,"sentiment":"neutral","sentiment_score":-0.021019816398620605},{"text":"I'll try to keep it quick for you.","start":75.024994,"end":76.965,"sentiment":"neutral","sentiment_score":0.06456647114828229}],"sentiment":"neutral","sentiment_score":0.164461403956701,"num_words":29,"start":60.96,"end":76.965},{"sentences":[{"text":"It should be alright by then.","start":77.024994,"end":78.48499,"sentiment":"neutral","sentiment_score":0.10713032943507035},{"text":"Yeah.","start":79.87,"end":80.37,"sentiment":"neutral","sentiment_score":0.01364767923951149},{"text":"Yeah.","start":80.67,"end":81.17,"sentiment":"neutral","sentiment_score":0.015733998268842697},{"text":"Now do you have access to your emails at the moment, or are you on the road?","start":82.03,"end":86.03,"sentiment":"neutral","sentiment_score":0.004706966964637532},{"text":"Or That's okay.","start":86.03,"end":93.265,"sentiment":"neutral","sentiment_score":0.03959428581098715}],"sentiment":"neutral","sentiment_score":0.03110589106966342,"num_words":28,"start":77.024994,"end":93.265},{"sentences":[{"text":"Yeah.","start":95.805,"end":96.285,"sentiment":"neutral","sentiment_score":0.033041082322597504},{"text":"Okay.","start":96.285,"end":96.605,"sentiment":"neutral","sentiment_score":0.04062409698963165},{"text":"So because what I've done is if you can get it up or or in three minutes when you can, I have just sent you the statement of advice to run through?","start":96.605,"end":105.345,"sentiment":"neutral","sentiment_score":0.06669439957477152},{"text":"And it does sometimes make it a bit easier if you can get it up at the same time.","start":105.62,"end":110.44,"sentiment":"neutral","sentiment_score":0.13878903224280006},{"text":"But if you can't, it is fairly straightforward.","start":111.14,"end":113.72,"sentiment":"neutral","sentiment_score":0.21410799957811832}],"sentiment":"neutral","sentiment_score":0.10750396024496829,"num_words":61,"start":95.805,"end":113.72},{"sentences":[{"text":"I'm happy to run through it, and then you can have a have a quick read of it when you have a moment.","start":113.94,"end":118.58,"sentiment":"neutral","sentiment_score":0.28089544306630676},{"text":"It's up to you if you do have.","start":118.58,"end":120.28,"sentiment":"neutral","sentiment_score":0.0757406996563077},{"text":"Yeah.","start":120.635,"end":120.955,"sentiment":"neutral","sentiment_score":0.18132299184799192},{"text":"Perfect.","start":120.955,"end":121.455,"sentiment":"neutral","sentiment_score":0.31622540950775146},{"text":"Now, obviously, from our last conversation, we had that lost super authority come back for you from the ATO, which kind of obviously when we we started going down the research, and it showed that you had, like, an old Aware Super.","start":123.355,"end":138.38,"sentiment":"neutral","sentiment_score":0.08785555556061722}],"sentiment":"neutral","sentiment_score":0.1500533669690291,"num_words":75,"start":113.94,"end":138.38},{"sentences":[{"text":"I think it was, like, a a BT Panorama and then a PSAP account as well.","start":138.38,"end":143.12001,"sentiment":"neutral","sentiment_score":0.05001575988717377},{"text":"So I spoke through to all the funds, and they have confirmed that they've already been consolidated and closed down, which is good.","start":144.06,"end":151.245,"sentiment":"positive","sentiment_score":0.5015252413957015},{"text":"Sometimes the ATO have a little bit outdated information.","start":151.625,"end":155.165,"sentiment":"neutral","sentiment_score":-0.15545640223556095},{"text":"It takes a little while to get that updated, but it's always good to double check.","start":155.22499,"end":159.965,"sentiment":"neutral","sentiment_score":-0.14128348836675286},{"text":"Yeah.","start":161.22,"end":161.46,"sentiment":"neutral","sentiment_score":0.1139850616455078}],"sentiment":"neutral","sentiment_score":0.13522575904543582,"num_words":65,"start":138.38,"end":161.46},{"sentences":[{"text":"So that's all been consolidated.","start":161.46,"end":162.76001,"sentiment":"neutral","sentiment_score":0.2770410716533661},{"text":"You only have your net wealth, which is good.","start":162.82,"end":165.96,"sentiment":"positive","sentiment_score":0.42551494638125104},{"text":"Now in the statement of advice, a little bit is just for compliance purposes.","start":166.66,"end":171.16,"sentiment":"neutral","sentiment_score":0.19037514286381857},{"text":"It is pretty straightforward, but, obviously, when you have a moment, have a read through it.","start":171.54001,"end":174.845,"sentiment":"neutral","sentiment_score":0.1730642458423972},{"text":"Any questions, let me know.","start":174.845,"end":176.545,"sentiment":"neutral","sentiment_score":0.11929329037666321}],"sentiment":"neutral","sentiment_score":0.2295017604316984,"num_words":49,"start":161.46,"end":176.545},{"sentences":[{"text":"When you do have a look at it, you will see that, the statement of advice has been prepared just for yourself.","start":177.00499,"end":182.94499,"sentiment":"neutral","sentiment_score":0.22010695189237595},{"text":"You will have my authorized representative, number listed on the first page, and I'm obviously licensed under Oakview Financial.","start":183.485,"end":191.29999,"sentiment":"neutral","sentiment_score":0.12321077404837859},{"text":"Yep.","start":192.79999,"end":193.29999,"sentiment":"neutral","sentiment_score":0.1468448042869568},{"text":"Now you would obviously be aware that every time we do a recommendation and provide these strategies, we have to follow that best interest duty, which is obviously to make sure that all the advice and everything we do has to be in your best interest.","start":194.0,"end":207.625,"sentiment":"neutral","sentiment_score":0.14948390715796014},{"text":"And it does have to put you in a better position as a result of the advice.","start":208.005,"end":212.165,"sentiment":"neutral","sentiment_score":0.06447603926062584}],"sentiment":"neutral","sentiment_score":0.1457386176146212,"num_words":105,"start":177.00499,"end":212.165},{"sentences":[{"text":"Otherwise, we cannot actually make the recommendation.","start":212.165,"end":214.345,"sentiment":"neutral","sentiment_score":-0.1664490635905947},{"text":"Yep.","start":216.1,"end":216.6,"sentiment":"neutral","sentiment_score":0.21141448616981504},{"text":"Perfect.","start":216.66,"end":217.16,"sentiment":"positive","sentiment_score":0.3691147565841675},{"text":"Now when you do have a read through it, you will see little sections talking about what we are scraping in and and scraping out, and that basically just narrows down to what we are looking at today.","start":218.1,"end":227.48001,"sentiment":"neutral","sentiment_score":0.1446107894574341},{"text":"Basically, today, though, it is just your fee of annuation to see if we needed to consolidate it, which we've obviously ruled out we didn't have to, which is great.","start":228.07501,"end":236.815,"sentiment":"neutral","sentiment_score":0.13760625720024108}],"sentiment":"neutral","sentiment_score":0.11738679887025387,"num_words":77,"start":212.165,"end":236.815},{"sentences":[{"text":"And I have, oh, I'm also done a bit of a review on your investments.","start":237.43501,"end":241.375,"sentiment":"neutral","sentiment_score":0.17787144780158998},{"text":"I have made some recommendations on a couple of changes, which I'll run through with you.","start":241.8,"end":246.86,"sentiment":"neutral","sentiment_score":0.22626274079084396},{"text":"But, otherwise, that is that is essentially the gist of it.","start":247.40001,"end":250.6,"sentiment":"neutral","sentiment_score":0.1629589633508162},{"text":"Just with your investments, we are not making any changes to your insurances.","start":250.6,"end":256.065,"sentiment":"neutral","sentiment_score":-0.12228189122218353},{"text":"You were quite happy with them.","start":256.065,"end":257.765,"sentiment":"positive","sentiment_score":0.5292137265205383}],"sentiment":"neutral","sentiment_score":0.15846626130772418,"num_words":61,"start":237.43501,"end":257.765},{"sentences":[{"text":"They align with your needs, and they are quite affordable.","start":257.905,"end":260.70502,"sentiment":"positive","sentiment_score":0.5823178261518478},{"text":"So not making any changes to insurances or anything like that.","start":260.70502,"end":264.325,"sentiment":"neutral","sentiment_score":-0.11583551493558017},{"text":"Literally just the the superannuation.","start":264.465,"end":266.325,"sentiment":"neutral","sentiment_score":0.11746524721384048},{"text":"Yeah.","start":268.4,"end":268.64,"sentiment":"positive","sentiment_score":0.35911640524864197},{"text":"Perfect.","start":268.64,"end":269.14,"sentiment":"positive","sentiment_score":0.5619685053825378}],"sentiment":"neutral","sentiment_score":0.2163356694259814,"num_words":28,"start":257.905,"end":269.14},{"sentences":[{"text":"Now I did also have some I did some research on your Netwealth account as well just to make sure, you know, you're still going to be the best for you or if there were other alternative options out there.","start":269.6,"end":280.82,"sentiment":"neutral","sentiment_score":0.1842667971737683},{"text":"And from from the research, it's still very much a good option for you.","start":282.525,"end":286.765,"sentiment":"positive","sentiment_score":0.450140471969332},{"text":"There were some other options I did consider.","start":286.765,"end":289.025,"sentiment":"neutral","sentiment_score":0.15620458219200373},{"text":"There was another one that was pretty closely when it comes to the features and the price.","start":289.805,"end":294.865,"sentiment":"neutral","sentiment_score":0.1125873971511336},{"text":"It was a tiny bit cheaper per year in administration fees, but because but because your super has gone up so much, which is good, if I suggested that we do make the change, you would have to pay a bit of capital gains tax by selling and switching, and the tax just wasn't worth at the minimal cost you would save on administration.","start":295.41,"end":315.925,"sentiment":"neutral","sentiment_score":0.015123221921385266}],"sentiment":"neutral","sentiment_score":0.12450452522094642,"num_words":143,"start":269.6,"end":315.925},{"sentences":[{"text":"Does that make sense?","start":317.82498,"end":318.965,"sentiment":"neutral","sentiment_score":0.002101203892379999},{"text":"Yeah.","start":322.56,"end":323.06,"sentiment":"neutral","sentiment_score":-0.02307448536157608},{"text":"Sorry.","start":323.28,"end":323.78,"sentiment":"neutral","sentiment_score":-0.0784091204404831},{"text":"No.","start":325.92,"end":326.16,"sentiment":"neutral","sentiment_score":-0.10246742516756058},{"text":"That's okay.","start":326.16,"end":326.9,"sentiment":"neutral","sentiment_score":-0.0833735466003418}],"sentiment":"neutral","sentiment_score":-0.04025481206675371,"num_words":9,"start":317.82498,"end":326.9},{"sentences":[{"text":"So, yeah, Netwealth is still very much a good option for you, so I'm not recommending that we change it, keep you within Netwealth.","start":327.44,"end":334.58002,"sentiment":"neutral","sentiment_score":-0.12857293089230856},{"text":"Mhmm.","start":335.915,"end":336.415,"sentiment":"neutral","sentiment_score":-0.06509637832641602},{"text":"Yeah.","start":336.915,"end":337.415,"sentiment":"neutral","sentiment_score":-0.04098057374358177},{"text":"Yeah.","start":337.915,"end":338.415,"sentiment":"neutral","sentiment_score":-0.04127129912376404},{"text":"Mhmm.","start":343.67502,"end":344.075,"sentiment":"neutral","sentiment_score":-0.042839743196964264}],"sentiment":"neutral","sentiment_score":-0.11699779770736184,"num_words":28,"start":327.44,"end":344.075},{"sentences":[{"text":"Yeah.","start":344.075,"end":344.55502,"sentiment":"neutral","sentiment_score":-0.05072839558124542},{"text":"So it's because, obviously, your investments have gone up.","start":344.55502,"end":347.83502,"sentiment":"neutral","sentiment_score":-0.09767584751049678},{"text":"And every time you sell an investment, you have to pay capital gains tax.","start":347.83502,"end":353.72998,"sentiment":"neutral","sentiment_score":-0.11931847568069186},{"text":"Now it is yeah.","start":353.72998,"end":356.53,"sentiment":"neutral","sentiment_score":-0.05094782914966345},{"text":"So similar to, you know, if you were to have an investment property and stuff like that, you would have to pay it, but it is reduced in superannuation.","start":356.53,"end":364.535,"sentiment":"neutral","sentiment_score":-0.02836977260123039}],"sentiment":"neutral","sentiment_score":-0.06362779657438136,"num_words":57,"start":344.075,"end":364.535},{"sentences":[{"text":"So you would yeah.","start":365.715,"end":366.995,"sentiment":"neutral","sentiment_score":0.00020055053755640984},{"text":"So you'd only have to pay 15%.","start":366.995,"end":369.07498,"sentiment":"neutral","sentiment_score":0.12445060802357537},{"text":"And if you've had the investment more than twelve months, it does get reduced to 10%.","start":369.07498,"end":374.535,"sentiment":"neutral","sentiment_score":0.037323215045034885},{"text":"But this is still something that we factor in, obviously, when making changes that we do wanna minimize that if possible, but still, obviously, making sure we have the the good investments for you.","start":375.235,"end":385.56,"sentiment":"neutral","sentiment_score":0.2551959650043179},{"text":"Yep.","start":386.66,"end":387.13998,"sentiment":"neutral","sentiment_score":0.16799721121788025}],"sentiment":"neutral","sentiment_score":0.1663514180709758,"num_words":62,"start":365.715,"end":387.13998},{"sentences":[{"text":"Does that make sense?","start":387.13998,"end":388.19998,"sentiment":"neutral","sentiment_score":0.20070485025644302},{"text":"Yes.","start":389.22,"end":389.715,"sentiment":"positive","sentiment_score":0.3663104176521301},{"text":"Perfect.","start":389.875,"end":390.195,"sentiment":"positive","sentiment_score":0.6141530275344849},{"text":"Most people don't know that actually either.","start":390.195,"end":391.79498,"sentiment":"neutral","sentiment_score":0.16457748945270265},{"text":"You just don't think that you have to because it's normally just taken care of within the situation environment, and you just don't know.","start":391.79498,"end":397.975,"sentiment":"neutral","sentiment_score":0.11068422626703978}],"sentiment":"neutral","sentiment_score":0.15112828926460162,"num_words":37,"start":387.13998,"end":397.975},{"sentences":[{"text":"So yeah.","start":398.915,"end":399.57498,"sentiment":"neutral","sentiment_score":0.09303949773311615},{"text":"Now when it comes through your risk profile, I haven't made any changes at all through it.","start":401.395,"end":407.53,"sentiment":"neutral","sentiment_score":0.037121502244297194},{"text":"We are still keeping you within a high growth portfolio.","start":407.53,"end":410.27,"sentiment":"positive","sentiment_score":0.3942269653081894},{"text":"You're quite comfortable with high growth.","start":410.56998,"end":412.59,"sentiment":"positive","sentiment_score":0.49089381595452625},{"text":"The goal is still because you do have plenty of time until your time and is to try to maximize that growth for you While you do have the time, having about 90% invested in those growth investments and about 10% in those defensives.","start":412.81,"end":427.525,"sentiment":"neutral","sentiment_score":0.2511834896762263}],"sentiment":"neutral","sentiment_score":0.2374284889643328,"num_words":79,"start":398.915,"end":427.525},{"sentences":[{"text":"So limit fluctuation is a little bit, but the goal is to try to maximize that growth for you.","start":427.585,"end":432.6,"sentiment":"neutral","sentiment_score":0.26069121376464244},{"text":"Yeah.","start":443.64,"end":443.96,"sentiment":"neutral","sentiment_score":-0.07769037783145905},{"text":"Yeah.","start":443.96,"end":444.28,"sentiment":"neutral","sentiment_score":-0.07649428397417068},{"text":"We've seen a lot of fluctuations in in the market, and the biggest contributor through your fluctuation in that portfolio was was that Benelon investment, which I have recommended that we change.","start":444.28,"end":458.875,"sentiment":"neutral","sentiment_score":-0.05935434519778937},{"text":"So that was that managed fund that we had invested in your portfolio.","start":459.75,"end":464.00998,"sentiment":"neutral","sentiment_score":-0.00026089468827614415}],"sentiment":"neutral","sentiment_score":0.04388208670372313,"num_words":66,"start":427.585,"end":464.00998},{"sentences":[{"text":"So when when you came on board, that one had done really, really well and kind of acted as the function of kinda outperforming the market by kind of actively buying and selling investments, which is how that one works, differently through your other investments, which are just kinda following an index.","start":464.87,"end":482.775,"sentiment":"neutral","sentiment_score":0.0934708033903287},{"text":"But recently, with the suspension of one of their investment, that Coastal Travel Group, they saw that big drop in prices.","start":484.595,"end":493.55002,"sentiment":"neutral","sentiment_score":-0.12727312300176846},{"text":"So I have recommended that we change that one out to other option that's going to be a little bit better for you because we're obviously Correct.","start":493.55002,"end":503.25,"sentiment":"neutral","sentiment_score":0.032903935829246486},{"text":"Yes.","start":503.47,"end":503.97,"sentiment":"neutral","sentiment_score":0.10382609069347382},{"text":"So when you do have a look at it so if we're looking at investment so when you it probably makes more sense when you can have a look at the document in front of you, but that is on page 16.","start":504.325,"end":514.585,"sentiment":"neutral","sentiment_score":0.07400662784597703}],"sentiment":"neutral","sentiment_score":0.043973824621497334,"num_words":143,"start":464.87,"end":514.585},{"sentences":[{"text":"That shows you a breakdown of your current investment, and then that once I have recommended that we change.","start":514.965,"end":521.93,"sentiment":"neutral","sentiment_score":0.07878791619288295},{"text":"So it's not a big difference in the investment.","start":521.93,"end":525.87,"sentiment":"neutral","sentiment_score":0.014144788599676557},{"text":"A lot of your investments have done well, so we are keeping them again to kinda minimize the capital gains tax, but still making sure that they align with you and that they are doing well.","start":526.81,"end":538.855,"sentiment":"neutral","sentiment_score":0.3121317358066638},{"text":"So the biggest one is that Benelon investment.","start":539.075,"end":541.575,"sentiment":"neutral","sentiment_score":-0.006717071635648608},{"text":"So we are selling out of that one.","start":541.875,"end":543.895,"sentiment":"neutral","sentiment_score":-0.12519601453095675}],"sentiment":"neutral","sentiment_score":0.1475713913096115,"num_words":80,"start":514.965,"end":543.895},{"sentences":[{"text":"And there's another one that I shared with you as well we are selling out of, which, again, when you do have a look at it on page 16, it might make a bit more sense.","start":544.115,"end":552.9,"sentiment":"neutral","sentiment_score":-0.02359605057992869},{"text":"But, otherwise, we are keeping in the portfolio.","start":554.88,"end":557.22003,"sentiment":"neutral","sentiment_score":0.11957810912281275},{"text":"We are keeping you gold.","start":557.28,"end":558.56,"sentiment":"positive","sentiment_score":0.3814919888973236},{"text":"It's done really well.","start":558.56,"end":559.78,"sentiment":"positive","sentiment_score":0.49569202959537506},{"text":"So we're keeping that one in your portfolio.","start":560.24,"end":562.66,"sentiment":"neutral","sentiment_score":0.2538991402834654}],"sentiment":"neutral","sentiment_score":0.0988293153646051,"num_words":61,"start":544.115,"end":562.66},{"sentences":[{"text":"We are also keeping the better cybersecurity in your investments.","start":563.565,"end":567.825,"sentiment":"neutral","sentiment_score":0.1584538772702217},{"text":"Obviously, AI technology is not going anywhere anytime soon.","start":568.045,"end":571.585,"sentiment":"neutral","sentiment_score":-0.12366699799895287},{"text":"So there's a lot of a lot of things in that space.","start":572.045,"end":575.265,"sentiment":"neutral","sentiment_score":0.03183186054229736},{"text":"It's only about 6% of the portfolio because they can fluctuate a little bit.","start":575.5,"end":579.58,"sentiment":"neutral","sentiment_score":0.011480001333568777},{"text":"So only about six percent to try and do that.","start":579.58,"end":582.16003,"sentiment":"neutral","sentiment_score":0.07102519422769546}],"sentiment":"neutral","sentiment_score":0.03135436505756595,"num_words":55,"start":563.565,"end":582.16003},{"sentences":[{"text":"We are also keeping the Europe iShares in the portfolio as well.","start":583.42004,"end":587.58,"sentiment":"neutral","sentiment_score":0.19870082040627798},{"text":"Again, it's doing pretty good.","start":587.58,"end":589.18005,"sentiment":"positive","sentiment_score":0.38463676571846006},{"text":"Only about 9% We're keeping that one.","start":589.18005,"end":592.015,"sentiment":"neutral","sentiment_score":0.12508321021284377},{"text":"And also keeping your Japan iShares investment again at about 5%.","start":592.715,"end":598.575,"sentiment":"neutral","sentiment_score":0.15873512016101318},{"text":"Also keeping the iShares S and P 500, that one has done really well, and it's a very diversified investment.","start":600.155,"end":606.335,"sentiment":"positive","sentiment_score":0.3963430941104889}],"sentiment":"neutral","sentiment_score":0.2701113517988812,"num_words":55,"start":583.42004,"end":606.335},{"sentences":[{"text":"Because in that one single investment, it does invest in the 500 largest companies listed in The US.","start":607.09,"end":613.11,"sentiment":"neutral","sentiment_score":0.22542736017041737},{"text":"Very diversified in that one single investment, and that is why that one is the biggest portion of your portfolio.","start":613.25,"end":619.67,"sentiment":"positive","sentiment_score":0.42640658318996427},{"text":"Yep.","start":621.275,"end":621.675,"sentiment":"neutral","sentiment_score":0.31672441959381104},{"text":"Perfect.","start":621.675,"end":622.175,"sentiment":"positive","sentiment_score":0.6446666717529297},{"text":"And then we have also introduced three new ones for you.","start":623.595,"end":627.855,"sentiment":"neutral","sentiment_score":0.2529484304514798}],"sentiment":"neutral","sentiment_score":0.3201891759447023,"num_words":51,"start":607.09,"end":627.855},{"sentences":[{"text":"So we have swapped the Miski World for a very similar one.","start":627.995,"end":631.595,"sentiment":"neutral","sentiment_score":0.15521922086675963},{"text":"It's called Vanguard All World.","start":631.595,"end":633.195,"sentiment":"neutral","sentiment_score":0.15448168218135833},{"text":"You may have heard of Vanguard before.","start":633.195,"end":634.975,"sentiment":"neutral","sentiment_score":0.05937232236777033},{"text":"Yeah.","start":636.51996,"end":636.83997,"sentiment":"neutral","sentiment_score":0.09705917537212372},{"text":"So they're very big, and it is an ETF that is following that index, and it is in invest in different companies around the world, but it does expose The US.","start":636.83997,"end":647.72,"sentiment":"neutral","sentiment_score":0.09805329907084664}],"sentiment":"neutral","sentiment_score":0.11048851365090481,"num_words":56,"start":627.995,"end":647.72},{"sentences":[{"text":"Because you already have exposure to The US in that IHS S and P 500, then we don't want you to be too concentrated in one market.","start":647.72,"end":656.095,"sentiment":"neutral","sentiment_score":0.0167519463295186},{"text":"Does that make sense?","start":657.27496,"end":658.415,"sentiment":"neutral","sentiment_score":0.06887555494904518},{"text":"Yeah.","start":659.27496,"end":659.595,"sentiment":"neutral","sentiment_score":0.08092354238033295},{"text":"Yeah.","start":659.595,"end":659.915,"sentiment":"neutral","sentiment_score":0.12209625542163847},{"text":"Perfect.","start":659.915,"end":660.415,"sentiment":"neutral","sentiment_score":0.20517390966415405}],"sentiment":"neutral","sentiment_score":0.03341171994586201,"num_words":34,"start":647.72,"end":660.415},{"sentences":[{"text":"And the no.","start":661.27496,"end":662.795,"sentiment":"neutral","sentiment_score":-0.06854567676782608},{"text":"That's okay.","start":662.795,"end":663.615,"sentiment":"neutral","sentiment_score":-0.05551675148308277},{"text":"Oh, no.","start":666.86,"end":667.18,"sentiment":"neutral","sentiment_score":-0.022625635378062725},{"text":"That's okay.","start":667.18,"end":667.89996,"sentiment":"neutral","sentiment_score":0.014113953802734613},{"text":"We're almost at the end as well because I do know you have a meeting shortly.","start":667.89996,"end":671.04,"sentiment":"neutral","sentiment_score":0.04534960025921464}],"sentiment":"neutral","sentiment_score":0.01567598830908537,"num_words":25,"start":661.27496,"end":671.04},{"sentences":[{"text":"So, basically, the other change is sorry.","start":672.62,"end":675.66,"sentiment":"neutral","sentiment_score":0.00804029857473714},{"text":"Instead of the Benelung investment, which was focusing on the Australian equity, we do still wanna have the Australian exposure, but wanna swap it for something that's done a little bit better for you and a little bit cheaper as well with the same function.","start":675.66,"end":689.065,"sentiment":"neutral","sentiment_score":0.08305094983014795},{"text":"And that is the BetaShares Australia 200.","start":689.605,"end":692.985,"sentiment":"neutral","sentiment_score":0.08631454301731926},{"text":"And in that investment, it does invest in the 200 largest companies listed on the ASX.","start":693.47003,"end":699.49,"sentiment":"neutral","sentiment_score":0.10449827509000897},{"text":"So you will have companies, you know, like Commonwealth and BHP and Woolworths, all the big companies in Australia as well.","start":700.03,"end":706.725,"sentiment":"neutral","sentiment_score":0.12007486394473485}],"sentiment":"neutral","sentiment_score":0.08949292893521488,"num_words":96,"start":672.62,"end":706.725},{"sentences":[{"text":"Does that make sense?","start":707.845,"end":708.985,"sentiment":"neutral","sentiment_score":0.04447135841473937},{"text":"Yes.","start":710.96497,"end":711.46497,"sentiment":"neutral","sentiment_score":0.07834138721227646},{"text":"Yes.","start":711.52496,"end":712.02496,"sentiment":"neutral","sentiment_score":0.11055140197277068},{"text":"Yeah.","start":712.64496,"end":713.125,"sentiment":"neutral","sentiment_score":0.21246346831321716},{"text":"Perfect.","start":713.125,"end":713.625,"sentiment":"positive","sentiment_score":0.3837987184524536}],"sentiment":"neutral","sentiment_score":0.12038005120120943,"num_words":8,"start":707.845,"end":713.625},{"sentences":[{"text":"Now those are kind of the changes with your investments, and I do wanna highlight.","start":714.165,"end":717.925,"sentiment":"neutral","sentiment_score":0.2669364482164383},{"text":"So when you have a look at it, again, it'll be on page 12.","start":717.925,"end":721.01,"sentiment":"neutral","sentiment_score":0.16005908804280417},{"text":"It might look a little bit messy, but it's one of those tables showing you a bit of a projection forecast, and that includes, you know, all the fees and the returns and stuff like that.","start":721.23,"end":729.87,"sentiment":"neutral","sentiment_score":0.11036914783633417},{"text":"It's basically where all the math comes into play.","start":729.87,"end":732.285,"sentiment":"neutral","sentiment_score":0.10204266508420308},{"text":"It's all in a table for you so you can see it.","start":732.845,"end":735.58496,"sentiment":"neutral","sentiment_score":0.171139075110356}],"sentiment":"neutral","sentiment_score":0.15337460657018562,"num_words":86,"start":714.165,"end":735.58496},{"sentences":[{"text":"Essentially, you will see that by making the change so even though we're not making any changes to contributions and insurance, it's just your investment, you're still saving about $455 per year in fees alone just from those investments, which is pretty good.","start":736.685,"end":755.14996,"sentiment":"positive","sentiment_score":0.4700263114862664},{"text":"Yeah.","start":756.97,"end":757.47,"sentiment":"positive","sentiment_score":0.3743901252746582},{"text":"And with the the return as well, so we do use a five year rolling average when we are looking at the portfolio because it does give us, you know, more certainty of what's happened in the market.","start":757.61,"end":768.835,"sentiment":"neutral","sentiment_score":0.30056290759852056},{"text":"Now some years may be a little bit less and and some years will be higher, but we do like to use five years to give us a bit more, you know, of a of an understanding and also to be more fair to you.","start":769.055,"end":779.58997,"sentiment":"neutral","sentiment_score":0.027040727105405594},{"text":"Because depending on when I used the twelve months, sometimes it would have looked like you've won the lottery.","start":779.58997,"end":784.25,"sentiment":"neutral","sentiment_score":-0.024088754759807336}],"sentiment":"neutral","sentiment_score":0.22442505744681374,"num_words":146,"start":736.685,"end":784.25},{"sentences":[{"text":"Other years, like the last twelve months, not as great.","start":784.47,"end":787.125,"sentiment":"neutral","sentiment_score":-0.1350395441055298},{"text":"So we do use that five year.","start":787.845,"end":789.705,"sentiment":"neutral","sentiment_score":0.1820287470306669},{"text":"And your current portfolio, if we are using that five years, it has performed at 12.85% using five years.","start":790.405,"end":798.265,"sentiment":"neutral","sentiment_score":0.258486533635541},{"text":"The recommended is 19.67%.","start":799.045,"end":803.73004,"sentiment":"neutral","sentiment_score":0.18076768890023232},{"text":"So pretty big difference, and it's cheaper, which is really good.","start":803.73004,"end":807.59,"sentiment":"positive","sentiment_score":0.4217072698203}],"sentiment":"neutral","sentiment_score":0.19993922844821332,"num_words":51,"start":784.47,"end":807.59},{"sentences":[{"text":"Yeah.","start":808.61,"end":809.11,"sentiment":"neutral","sentiment_score":0.05463000759482384},{"text":"Now there is a little bit of that tax I mentioned.","start":809.73004,"end":812.45,"sentiment":"neutral","sentiment_score":0.011725646866993471},{"text":"It is very minimal, and it's only about $206.","start":812.45,"end":816.945,"sentiment":"neutral","sentiment_score":0.012297725304961205},{"text":"All within Superbop, that's something I do wanna let you know because we are swapping some of those investments.","start":817.085,"end":821.985,"sentiment":"neutral","sentiment_score":0.09189222733441152},{"text":"There are a little bit of that, but only about $206.","start":822.445,"end":825.745,"sentiment":"neutral","sentiment_score":0.0184610728174448}],"sentiment":"neutral","sentiment_score":0.043986583749453224,"num_words":51,"start":808.61,"end":825.745},{"sentences":[{"text":"Yes.","start":827.34,"end":827.84,"sentiment":"neutral","sentiment_score":0.03275676071643829},{"text":"That is the tax paid within super because they are selling some of your investment.","start":828.46,"end":833.12,"sentiment":"neutral","sentiment_score":0.03281031052271525},{"text":"Yeah.","start":834.62,"end":835.12,"sentiment":"neutral","sentiment_score":0.09131448715925217},{"text":"You will see that I have kind of projected that forecast for about five and ten years.","start":835.5,"end":840.8,"sentiment":"neutral","sentiment_score":0.10413745681152624},{"text":"And you need to look at five years.","start":841.145,"end":843.005,"sentiment":"neutral","sentiment_score":0.09492280893027782}],"sentiment":"neutral","sentiment_score":0.07490345578463305,"num_words":42,"start":827.34,"end":843.005},{"sentences":[{"text":"You know, if everything kind of stays the same, it would still be a difference of about $85,000 by making those little changes in the investment, which is pretty good.","start":843.065,"end":852.525,"sentiment":"neutral","sentiment_score":0.20040213366349538},{"text":"Yeah.","start":854.12,"end":854.62,"sentiment":"neutral","sentiment_score":0.10837266594171524},{"text":"It does make a big difference, and it's literally just from swapping some of those investments, and that's why the annual reviews are so good.","start":857.48004,"end":864.38,"sentiment":"positive","sentiment_score":0.5449539959430695},{"text":"Now we always, you know, do research on the investments and the market all the time every day, but the annual reviews are good kind of, you know, alignment point where we can do more of that in-depth research to see yourself.","start":864.44,"end":876.03503,"sentiment":"positive","sentiment_score":0.42766578992207843},{"text":"What happened?","start":876.03503,"end":876.67505,"sentiment":"neutral","sentiment_score":0.10588563606142998}],"sentiment":"positive","sentiment_score":0.3791802102327347,"num_words":100,"start":843.065,"end":876.67505},{"sentences":[{"text":"Do we wanna make any changes?","start":876.67505,"end":878.135,"sentiment":"neutral","sentiment_score":0.17328849559028944},{"text":"And then do that.","start":878.79,"end":879.75,"sentiment":"neutral","sentiment_score":0.24656464532017708},{"text":"The good thing with Netwealth is there's hundreds of different options.","start":879.75,"end":882.89,"sentiment":"positive","sentiment_score":0.551987580277703},{"text":"So if there is one, like, for example, Benelon that haven't done so well, we can then pop it for something that's going to put you in a better position.","start":883.11,"end":889.37,"sentiment":"positive","sentiment_score":0.5004544774691264},{"text":"Yep.","start":890.565,"end":891.065,"sentiment":"positive","sentiment_score":0.39485710859298706}],"sentiment":"positive","sentiment_score":0.45204508404892224,"num_words":52,"start":876.67505,"end":891.065},{"sentences":[{"text":"Perfect.","start":891.28503,"end":891.78503,"sentiment":"positive","sentiment_score":0.7038997411727905},{"text":"Now that is basically the the gist of the advice.","start":892.16504,"end":897.385,"sentiment":"positive","sentiment_score":0.5730664372444153},{"text":"The last thing I do wanna mention as well is that there's no additional fees or anything like that if you do wanna go ahead with the change.","start":897.765,"end":905.385,"sentiment":"neutral","sentiment_score":0.3073848733412368},{"text":"It is all part of your ongoing advice fee.","start":905.69,"end":908.41,"sentiment":"neutral","sentiment_score":0.303368200858434},{"text":"Just that 1.65 from superannuation.","start":908.41,"end":910.91,"sentiment":"neutral","sentiment_score":0.22866540551185607}],"sentiment":"positive","sentiment_score":0.3568864415557879,"num_words":53,"start":891.28503,"end":910.91},{"sentences":[{"text":"No changes at all.","start":911.85,"end":913.37,"sentiment":"neutral","sentiment_score":0.19839498959481716},{"text":"If you do wanna go ahead, like I said, it's all part of the ongoing advice fee for you.","start":913.37,"end":917.55,"sentiment":"neutral","sentiment_score":0.21669880732109673},{"text":"Yep.","start":918.825,"end":919.225,"sentiment":"neutral","sentiment_score":0.25152310729026794},{"text":"Perfect.","start":919.225,"end":919.725,"sentiment":"positive","sentiment_score":0.469122052192688},{"text":"Now, Matthew, do you have any questions in regards to any of that, or was that pretty straightforward?","start":920.025,"end":924.845,"sentiment":"neutral","sentiment_score":0.16821429009238878}],"sentiment":"neutral","sentiment_score":0.2013804576424665,"num_words":43,"start":911.85,"end":924.845},{"sentences":[{"text":"Yeah.","start":929.145,"end":929.645,"sentiment":"neutral","sentiment_score":0.2532581090927124},{"text":"Perfect.","start":929.705,"end":930.205,"sentiment":"positive","sentiment_score":0.414997398853302},{"text":"So, obviously, take your time, have a read over it.","start":931.36,"end":934.01996,"sentiment":"neutral","sentiment_score":0.2501073941588402},{"text":"Any questions, let me know.","start":934.16,"end":935.94,"sentiment":"neutral","sentiment_score":0.15272239446640015},{"text":"But, otherwise, if you are happy to go ahead with the change, I will just need you to sign that document when you have a moment.","start":936.16,"end":943.22,"sentiment":"neutral","sentiment_score":0.18878529507380265}],"sentiment":"neutral","sentiment_score":0.20561300218105316,"num_words":43,"start":929.145,"end":943.22},{"sentences":[{"text":"Once you've signed it, it will then come back to me.","start":943.785,"end":946.265,"sentiment":"neutral","sentiment_score":0.21531237526373428},{"text":"I will get notified, and then I will let the team know to go ahead and make those investments changes for you.","start":946.265,"end":951.885,"sentiment":"neutral","sentiment_score":0.31697559356689453},{"text":"You can do it after.","start":955.88,"end":957.10004,"sentiment":"neutral","sentiment_score":0.020730149745941163},{"text":"That's okay.","start":957.16003,"end":957.8,"sentiment":"neutral","sentiment_score":0.060605261474847794},{"text":"Especially if you're a bit off the time.","start":957.8,"end":959.66003,"sentiment":"neutral","sentiment_score":-0.04083180776797235}],"sentiment":"neutral","sentiment_score":0.19250220824809125,"num_words":48,"start":943.785,"end":959.66003},{"sentences":[{"text":"Yeah.","start":959.72003,"end":959.96,"sentiment":"neutral","sentiment_score":-0.016787845641374588},{"text":"No.","start":959.96,"end":960.2,"sentiment":"neutral","sentiment_score":-0.06993790715932846},{"text":"That's okay.","start":960.2,"end":960.68,"sentiment":"neutral","sentiment_score":-0.018105843104422092},{"text":"If you get any issues, though, with signing, let me know.","start":960.68,"end":962.92,"sentiment":"neutral","sentiment_score":-0.0044035679576071825},{"text":"But, no, otherwise, you can do it, you know, later today or tomorrow when you have a 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How are you? Not bad. Yeah. That's fine. Yep. It's Matthew Matthew, Matthew, No. No. It's busy. I've got I've got a a meeting that I didn't know was on at 09:30, but it yeah. I thought so. I am in the car, but I'm I'll probably for the next three minutes. That's all. No. I do have email access. Yeah. Yeah. That's right. That's right. Yep. Yep. Yep. Okay. Yes. Okay. Yep. Okay. Yeah. Okay. Mhmm. Okay. Yep. Okay. Okay. Yep. Oh, okay. Yeah. I think Okay. No worries. Sorry. I'm just trying to see what the date is. Twenty fourth. And sorry. I've just I've got a question. With the capital gains, what, like, what is that with the superannuation? I've just Oh, wow. Okay. Yep. Yep. Okay. Okay. Alright. Yep. Okay. Okay. Yep. Mhmm. Yep. Yep. Yeah. I've noticed over the last few months that it's hoovered just under one thirty. It's gone to one thirty, maybe a little bit over, and now it's back down. And Okay. Yeah. Yep. Okay. So that's the Ben Benelon one you mentioned. Okay. Yep. Okay. Yep. Yeah. Yep. Okay. Alright. Yeah. Noted. Yep. Okay. Okay. Yep. Okay. Yeah. Yep. Yep. Okay. It does. Yeah. I'm sorry. I'm just I'm just driving back to work. I had to go and pick something up for a patient. Yes. Okay. Okay. Well, yeah, no. I'm happy to do whatever you recommend. Yep. That's good. Yeah. Yep. Yep. Okay. Alright. And that's a tax. Yeah. Okay. Yeah. That's that's it. That's, like, a good little amount. Yep. Yeah. Yep. Okay. Yep. Okay. No. I don't. It's pretty straightforward. Yeah. Okay. And do do I need to sign that with you on the phone or can I okay? I'll get done as soon as possible. I'll do it as soon as I get back to the office. No. I think someone called actually, I do. Someone called the other day and asked if there's any changes, and I did mention that I was back on a medication because of stresses at work. And the medication I told him was wasn't the correct one. Does that does that matter? Okay. Okay. Let me I'll just Google it. It's called I don't know how to pronounce it. It's a g o m e l a t I a n. Okay. Okay. Thank you. I'm in front of it now, so I'll I'll sign it. Thank you. Have a good day. Thanks. 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How are you? Not bad. Yeah. That's fine.\n\nYep. It's Matthew Matthew, Matthew, No. No. It's busy. I've got I've got a a meeting that I didn't know was on at 09:30, but it yeah.\n\nI thought so. I am in the car, but I'm I'll probably for the next three minutes. That's all. No. I do have email access.\n\nYeah. Yeah. That's right. That's right. Yep.\n\nYep. Yep. Okay. Yes. Okay.\n\nYep. Okay. Yeah. Okay. Mhmm.\n\nOkay. Yep. Okay. Okay. Yep.\n\nOh, okay. Yeah. I think Okay. No worries. Sorry.\n\nI'm just trying to see what the date is. Twenty fourth. And sorry. I've just I've got a question. With the capital gains, what, like, what is that with the superannuation?\n\nI've just Oh, wow. Okay. Yep. Yep. Okay.\n\nOkay. Alright. Yep. Okay. Okay.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nI've noticed over the last few months that it's hoovered just under one thirty. It's gone to one thirty, maybe a little bit over, and now it's back down. And Okay. Yeah. Yep.\n\nOkay. So that's the Ben Benelon one you mentioned. Okay. Yep. Okay.\n\nYep. Yeah. Yep. Okay. Alright.\n\nYeah. Noted. Yep. Okay. Okay.\n\nYep. Okay. Yeah. Yep. Yep.\n\nOkay. It does. Yeah. I'm sorry. I'm just I'm just driving back to work.\n\nI had to go and pick something up for a patient. Yes. Okay. Okay. Well, yeah, no.\n\nI'm happy to do whatever you recommend. Yep. That's good. Yeah. Yep.\n\nYep. Okay. Alright. And that's a tax. Yeah.\n\nOkay. Yeah. That's that's it. That's, like, a good little amount. Yep.\n\nYeah. Yep. Okay. Yep. Okay.\n\nNo. I don't. It's pretty straightforward. Yeah. Okay.\n\nAnd do do I need to sign that with you on the phone or can I okay? I'll get done as soon as possible. I'll do it as soon as I get back to the office. No. I think someone called actually, I do.\n\nSomeone called the other day and asked if there's any changes, and I did mention that I was back on a medication because of stresses at work. And the medication I told him was wasn't the correct one. 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wow.","start":342.33502,"end":355.13998,"sentiment":"neutral","sentiment_score":-0.04713476449251175},{"text":"Okay.","start":360.0,"end":360.5,"sentiment":"neutral","sentiment_score":-0.012837160378694534},{"text":"Yep.","start":360.63998,"end":361.03998,"sentiment":"neutral","sentiment_score":-0.0002559944987297058},{"text":"Yep.","start":361.03998,"end":361.335,"sentiment":"neutral","sentiment_score":0.0018802545964717865},{"text":"Okay.","start":365.815,"end":366.315,"sentiment":"neutral","sentiment_score":0.007477022707462311}],"sentiment":"neutral","sentiment_score":-0.024034366942942142,"num_words":8,"start":342.33502,"end":366.315},{"sentences":[{"text":"Okay.","start":375.175,"end":375.57498,"sentiment":"neutral","sentiment_score":0.1374984085559845},{"text":"Alright.","start":375.57498,"end":375.99,"sentiment":"neutral","sentiment_score":0.18664705753326416},{"text":"Yep.","start":385.34998,"end":385.66998,"sentiment":"neutral","sentiment_score":0.17575518786907196},{"text":"Okay.","start":385.66998,"end":386.16998,"sentiment":"neutral","sentiment_score":0.17180374264717102},{"text":"Okay.","start":388.15,"end":388.65,"sentiment":"neutral","sentiment_score":0.16429993510246277}],"sentiment":"neutral","sentiment_score":0.16720086634159087,"num_words":5,"start":375.175,"end":388.65},{"sentences":[{"text":"Yep.","start":388.71,"end":388.995,"sentiment":"neutral","sentiment_score":0.20530907809734344},{"text":"Mhmm.","start":401.19,"end":401.69,"sentiment":"neutral","sentiment_score":0.05523725599050522},{"text":"Yep.","start":407.1975,"end":407.6975,"sentiment":"neutral","sentiment_score":0.07865893095731735},{"text":"Yep.","start":425.44498,"end":425.94498,"sentiment":"neutral","sentiment_score":0.1036338433623314},{"text":"Yeah.","start":432.74002,"end":432.98,"sentiment":"neutral","sentiment_score":-0.03098863922059536}],"sentiment":"neutral","sentiment_score":0.0823700938373804,"num_words":5,"start":388.71,"end":432.98},{"sentences":[{"text":"I've noticed over the last few months that it's hoovered just under one thirty.","start":432.98,"end":439.38,"sentiment":"neutral","sentiment_score":-0.14789568100656783},{"text":"It's gone to one thirty, maybe a little bit over, and now it's back down.","start":439.38,"end":442.58002,"sentiment":"neutral","sentiment_score":-0.20822265048821767},{"text":"And Okay.","start":442.58002,"end":465.21,"sentiment":"neutral","sentiment_score":-0.02618098258972168},{"text":"Yeah.","start":476.565,"end":476.965,"sentiment":"neutral","sentiment_score":0.08359654247760773},{"text":"Yep.","start":476.965,"end":477.465,"sentiment":"neutral","sentiment_score":0.07962971180677414}],"sentiment":"neutral","sentiment_score":-0.15403075764576593,"num_words":33,"start":432.98,"end":477.465},{"sentences":[{"text":"Okay.","start":499.245,"end":499.745,"sentiment":"neutral","sentiment_score":0.05638650804758072},{"text":"So that's the Ben Benelon one you 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good.","start":755.78503,"end":756.605,"sentiment":"positive","sentiment_score":0.806775838136673},{"text":"Yeah.","start":769.48004,"end":769.98004,"sentiment":"neutral","sentiment_score":0.028513658791780472},{"text":"Yep.","start":787.62,"end":788.12,"sentiment":"neutral","sentiment_score":0.10873489081859589}],"sentiment":"neutral","sentiment_score":0.20987988356500864,"num_words":12,"start":710.48004,"end":788.12},{"sentences":[{"text":"Yep.","start":807.725,"end":808.225,"sentiment":"neutral","sentiment_score":0.1172727793455124},{"text":"Okay.","start":808.445,"end":808.945,"sentiment":"neutral","sentiment_score":0.08739183098077774},{"text":"Alright.","start":826.26996,"end":826.58997,"sentiment":"neutral","sentiment_score":0.010881246998906136},{"text":"And that's a tax.","start":826.58997,"end":827.565,"sentiment":"neutral","sentiment_score":0.0005468211020343006},{"text":"Yeah.","start":833.485,"end":833.725,"sentiment":"neutral","sentiment_score":0.03182557597756386}],"sentiment":"neutral","sentiment_score":0.031194839713862166,"num_words":8,"start":807.725,"end":833.725},{"sentences":[{"text":"Okay.","start":833.725,"end":834.225,"sentiment":"neutral","sentiment_score":0.05908471345901489},{"text":"Yeah.","start":852.83997,"end":853.0,"sentiment":"neutral","sentiment_score":0.06689688563346863},{"text":"That's that's it.","start":853.0,"end":854.285,"sentiment":"neutral","sentiment_score":0.054767243564128876},{"text":"That's, like, a good little 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office.","start":968.015,"end":970.115,"sentiment":"neutral","sentiment_score":0.26587218046188354},{"text":"No.","start":977.01,"end":977.25,"sentiment":"neutral","sentiment_score":-0.08166380226612091},{"text":"I think someone called actually, I do.","start":977.25,"end":979.09,"sentiment":"neutral","sentiment_score":-0.07785284332931042}],"sentiment":"neutral","sentiment_score":0.0656157412185249,"num_words":44,"start":952.24,"end":979.09},{"sentences":[{"text":"Someone called the other day and asked if there's any changes, and I did mention that I was back on a medication because of stresses at work.","start":979.09,"end":989.955,"sentiment":"neutral","sentiment_score":-0.11441528548796971},{"text":"And the medication I told him was wasn't the correct one.","start":990.815,"end":994.595,"sentiment":"neutral","sentiment_score":-0.24695105173371054},{"text":"Does that does that matter?","start":995.135,"end":996.515,"sentiment":"neutral","sentiment_score":-0.022886989638209343},{"text":"Okay.","start":1008.43,"end":1008.93,"sentiment":"neutral","sentiment_score":-0.023025397211313248},{"text":"Okay.","start":1017.175,"end":1017.675,"sentiment":"neutral","sentiment_score":-0.015321125276386738}],"sentiment":"neutral","sentiment_score":-0.132410127731661,"num_words":45,"start":979.09,"end":1017.675},{"sentences":[{"text":"Let me I'll just Google it.","start":1017.735,"end":1023.575,"sentiment":"neutral","sentiment_score":-0.0249928692355752},{"text":"It's called I don't know how to pronounce it.","start":1023.575,"end":1026.555,"sentiment":"neutral","sentiment_score":-0.06036883013115989},{"text":"It's a g o m e l a t I a n.","start":1029.415,"end":1036.52,"sentiment":"neutral","sentiment_score":0.0040657418689988845},{"text":"Okay.","start":1045.38,"end":1045.755,"sentiment":"neutral","sentiment_score":-0.014858830720186234},{"text":"Okay.","start":1052.555,"end":1053.055,"sentiment":"neutral","sentiment_score":0.1239778697490692}],"sentiment":"neutral","sentiment_score":-0.0184609912116214,"num_words":29,"start":1017.735,"end":1053.055},{"sentences":[{"text":"Thank you.","start":1063.53,"end":1064.17,"sentiment":"positive","sentiment_score":0.372290700674057},{"text":"I'm in front of it now, so I'll I'll sign it.","start":1064.17,"end":1066.91,"sentiment":"neutral","sentiment_score":0.1872036721218716},{"text":"Thank you.","start":1073.1569,"end":1073.6368,"sentiment":"positive","sentiment_score":0.8208566904067993},{"text":"Have a good day.","start":1073.6368,"end":1074.617,"sentiment":"positive","sentiment_score":0.7087070494890213},{"text":"Thanks.","start":1075.9569,"end":1076.4369,"sentiment":"positive","sentiment_score":0.5587824583053589}],"sentiment":"positive","sentiment_score":0.3919572915881872,"num_words":20,"start":1063.53,"end":1076.4369},{"sentences":[{"text":"Bye.","start":1076.4369,"end":1076.9369,"sentiment":"neutral","sentiment_score":-0.11391929537057877}],"sentiment":"neutral","sentiment_score":-0.11391929537057877,"num_words":1,"start":1076.4369,"end":1076.9369}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Matthew?\n\nChannel 1: How are you?\n\nChannel 0: Yeah. Good. How are you?\n\nChannel 1: Not bad.\n\nChannel 0: That's good. It's obviously Veronica from OCU Financial. And I had you booked in just to go over the the research that I did there for you. Is now still a good time? Sorry, Matthew.\n\nYou still there?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: It's Matthew Matthew, Matthew,\n\nChannel 0: Yep. Yep. Perfect. That's exactly what I have here. And how's your morning going so far?\n\nBusy or just kind of getting started?\n\nChannel 1: No. No. It's busy. I've got I've got a\n\nChannel 0: Yeah.\n\nChannel 1: a meeting that I didn't know was on at 09:30, but\n\nChannel 0: I'll\n\nChannel 1: it\n\nChannel 0: try to keep it quick for you. It should be alright by then.\n\nChannel 1: yeah. I thought\n\nChannel 0: Yeah. Yeah. Now do you have access to your\n\nChannel 1: so.\n\nChannel 0: emails at the moment, or are you on the road? Or\n\nChannel 1: I am in the car, but I'm I'll probably for the next three minutes. That's all.\n\nChannel 0: That's okay.\n\nChannel 1: No. I do have email access.\n\nChannel 0: Yeah. Okay. So because what I've done is if you can get it up or or in three minutes when you can, I have just sent you the statement of advice to run through?\n\nChannel 1: Yeah.\n\nChannel 0: And it does sometimes make it a bit easier if you can get it up at the same time. But if you can't, it is fairly straightforward. I'm happy to run through it, and then you can have a have a quick read of it when you have a moment. It's\n\nChannel 1: Yeah.\n\nChannel 0: up to you\n\nChannel 1: That's\n\nChannel 0: if\n\nChannel 1: right.\n\nChannel 0: you do\n\nChannel 1: That's\n\nChannel 0: have. Yeah. Perfect. Now, obviously, from our last conversation, we had that lost super authority come back for you from\n\nChannel 1: right.\n\nChannel 0: the ATO,\n\nChannel 1: Yep. Yep.\n\nChannel 0: which kind of obviously when we we started going down the research, and it showed that you had, like, an old Aware Super. I think it was, like, a a BT Panorama and then a PSAP account as well.\n\nChannel 1: Yep.\n\nChannel 0: So I spoke through to all the funds, and they have confirmed that they've already been consolidated and closed down, which is good.\n\nChannel 1: Okay.\n\nChannel 0: Sometimes the ATO have a little bit outdated information. It takes a little while to get that updated, but it's always good to double check.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yeah. So that's all been consolidated. You only have your net wealth, which is good. Now in the statement of advice, a little bit is just for compliance purposes. It is pretty straightforward, but, obviously, when you have a moment, have a read through it.\n\nAny questions, let me know.\n\nChannel 1: Yep.\n\nChannel 0: When you do have a look at it, you will see that, the statement of advice has been prepared just for yourself. You will have my authorized representative, number listed on the first page, and I'm obviously licensed under Oakview Financial.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now you would obviously be aware that every time we do a recommendation and provide these strategies, we have to follow that best interest duty, which is obviously to make sure that all the advice and everything we do has to be in your best interest. And it does have to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now when you do have a read through it, you will see little sections talking about what we are scraping in and and scraping out, and that basically just narrows down to what we are looking at today. Basically,\n\nChannel 1: Okay.\n\nChannel 0: today, though, it is just your fee of annuation to see if we needed to consolidate it, which we've obviously ruled out we didn't have to, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: And I have, oh, I'm also done a bit of a review on your investments. I have made some recommendations on a couple of changes, which I'll run through with you.\n\nChannel 1: Okay.\n\nChannel 0: But, otherwise, that is that is essentially the gist of it. Just with your investments, we are not making any changes to your insurances. You were quite happy with them. They align with your needs, and they are quite affordable. So not making any changes to insurances or anything like that.\n\nLiterally\n\nChannel 1: Yep.\n\nChannel 0: just the the superannuation.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. Now I did also have some I did some research on your Netwealth account as well just to make sure, you know, you're still going to be the best for you or if there were other alternative options out there.\n\nChannel 1: Okay.\n\nChannel 0: And from from the research, it's still very much a good option for you. There were some other options I did consider. There\n\nChannel 1: Yep.\n\nChannel 0: was another one that was pretty closely when it comes to the features and the price. It was a tiny bit cheaper per year in administration fees,\n\nChannel 1: Oh,\n\nChannel 0: but\n\nChannel 1: okay.\n\nChannel 0: because but because your super has gone up so much, which is good, if I suggested that we do make the change, you would have to pay a bit of capital gains tax by selling and switching, and the tax just wasn't worth at the minimal cost you would save\n\nChannel 1: Yeah.\n\nChannel 0: on administration.\n\nChannel 1: I think\n\nChannel 0: Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: No worries.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry. I'm just\n\nChannel 0: Sorry.\n\nChannel 1: trying to see what the date is. Twenty fourth.\n\nChannel 0: No. That's okay. So, yeah, Netwealth is still very much a good option for you, so I'm not recommending that we change it, keep you within\n\nChannel 1: And\n\nChannel 0: Netwealth.\n\nChannel 1: sorry.\n\nChannel 0: Mhmm.\n\nChannel 1: I've just I've got a question.\n\nChannel 0: Yeah.\n\nChannel 1: With\n\nChannel 0: Yeah.\n\nChannel 1: the capital gains, what, like, what is that with the superannuation? I've just\n\nChannel 0: Mhmm. Yeah. So it's because, obviously, your investments have gone up. And every time you sell an investment, you have to pay capital gains tax. Now it is\n\nChannel 1: Oh, wow.\n\nChannel 0: yeah. So similar to, you know, if you were to have an investment property and stuff like\n\nChannel 1: Okay.\n\nChannel 0: that,\n\nChannel 1: Yep. Yep.\n\nChannel 0: you would have to pay it, but it is reduced in superannuation. So\n\nChannel 1: Okay.\n\nChannel 0: you would yeah. So you'd only have to pay 15%. And if you've had the investment more than twelve months, it does get reduced to 10%.\n\nChannel 1: Okay.\n\nChannel 0: But this\n\nChannel 1: Alright.\n\nChannel 0: is still something that we factor in, obviously, when making changes that we do wanna minimize that if possible, but still, obviously, making sure we have the the good investments for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yes. Perfect. Most people don't know that actually either. You just don't think that you have to because it's normally just taken care of within the situation environment, and you just don't know. So yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when it comes through your risk profile, I haven't made any changes at all through\n\nChannel 1: Yep.\n\nChannel 0: it. We are still keeping you within a high growth portfolio. You're quite comfortable with high growth. The goal is still because you do have plenty of time until your time and is to try to maximize that growth for you While you do have the time, having about 90% invested in those growth investments and about\n\nChannel 1: Yep.\n\nChannel 0: 10% in those defensives. So limit fluctuation is a little bit, but the goal is to try to maximize that growth for you.\n\nChannel 1: Yeah. I've noticed over the last few months that it's hoovered just under one thirty. It's gone to one thirty, maybe a little bit over, and now it's back down. And\n\nChannel 0: Yeah. Yeah. We've seen a lot of fluctuations in in the market, and the biggest contributor through your fluctuation in that portfolio was was that Benelon investment, which I have recommended that we change. So that was that managed fund that we had invested in your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So when when you came on board, that one had done really, really well and kind of acted as the function of kinda outperforming the market by kind of actively buying and selling investments, which\n\nChannel 1: Yeah.\n\nChannel 0: is how\n\nChannel 1: Yep.\n\nChannel 0: that one works, differently through your other investments, which are just kinda following an index. But recently, with the suspension of one of their investment, that Coastal Travel Group, they saw that big drop in prices. So I have recommended that we change that one out to other option that's going to be a little bit better for you\n\nChannel 1: Okay.\n\nChannel 0: because we're obviously\n\nChannel 1: So that's the Ben Benelon one you mentioned.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Okay.\n\nChannel 0: So when you do have a look at it so if we're\n\nChannel 1: Yep.\n\nChannel 0: looking at investment so when you it probably makes more sense when you can have a look at the document in front of you, but that is on page 16. That shows you a breakdown of your current investment,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: then that once I have recommended that we change. So it's not a big difference in the investment. A lot of your investments have done well, so we are keeping them again to kinda minimize the capital gains tax, but still making sure that they align with you and that they\n\nChannel 1: Yeah.\n\nChannel 0: are doing well. So the\n\nChannel 1: Yep.\n\nChannel 0: biggest one is that Benelon investment. So we are selling out of that one. And there's another one that I shared with you as well we are selling out of, which, again, when you do have a look at it on page 16, it might make a bit more sense.\n\nChannel 1: Okay. Alright.\n\nChannel 0: But, otherwise, we are keeping in the portfolio. We are keeping you gold. It's done really well. So we're keeping that one in your portfolio. We are also keeping the better cybersecurity in your investments.\n\nObviously, AI technology is not going anywhere anytime soon.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Noted.\n\nChannel 0: there's a lot of a lot of things in that space. It's only about 6% of the portfolio because they can fluctuate a little bit. So only about six\n\nChannel 1: Yep.\n\nChannel 0: percent to try and do that. We are also keeping the Europe iShares in the portfolio as well. Again, it's doing pretty good. Only about 9% We're keeping that one.\n\nChannel 1: Okay.\n\nChannel 0: And also keeping your Japan iShares investment again at about 5%.\n\nChannel 1: Okay.\n\nChannel 0: Also keeping the iShares S and P 500, that one has done really well, and it's a very diversified investment. Because in that one single investment, it does invest in the 500 largest companies listed in The US. Very diversified in that one single investment, and that is why that one is the biggest portion of your portfolio.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. And then we have also introduced three new ones for you. So we have swapped the Miski World for a very similar one. It's called Vanguard All World.\n\nYou may have heard of Vanguard before.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So they're very big, and it is an ETF that is following that index, and it is in invest in different companies around the world, but it does expose The US. Because you already have exposure to The US in that\n\nChannel 1: Yep.\n\nChannel 0: IHS S and P 500, then we don't want you to be too concentrated in one market.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yeah. Yeah. Perfect.\n\nChannel 1: I'm sorry.\n\nChannel 0: And\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: no.\n\nChannel 1: I'm just\n\nChannel 0: That's\n\nChannel 1: driving\n\nChannel 0: okay.\n\nChannel 1: back to work. I had to go and pick something up for a patient.\n\nChannel 0: Oh, no. That's okay. We're almost at the end as well because I do know you have a meeting shortly. So, basically, the other change is sorry. Instead of the Benelung investment, which was focusing on the Australian equity, we do still wanna have the Australian exposure, but wanna swap it for something that's done a little bit better for you and a little bit cheaper as well with the same function.\n\nAnd that is\n\nChannel 1: Yes.\n\nChannel 0: the BetaShares Australia 200. And in that\n\nChannel 1: Okay.\n\nChannel 0: investment, it does invest in the 200 largest companies listed on the ASX. So you will have companies, you know, like Commonwealth and BHP and Woolworths, all the big companies in Australia as well.\n\nChannel 1: Okay.\n\nChannel 0: Does that\n\nChannel 1: Well,\n\nChannel 0: make sense?\n\nChannel 1: yeah, no. I'm happy to do\n\nChannel 0: Yes.\n\nChannel 1: whatever you\n\nChannel 0: Yes.\n\nChannel 1: recommend.\n\nChannel 0: Yeah. Perfect. Now those are kind of the changes with your investments, and I do wanna highlight. So when you have a look at it, again, it'll be on page 12. It might look a little bit messy, but it's one of those tables showing you a bit of a projection forecast, and that includes, you know, all the fees and the returns and stuff like that.\n\nIt's basically where all the math comes into play. It's all in a table for you so you can see it. Essentially, you will see that by making the change so even though we're not making any changes to contributions and insurance, it's just your investment,\n\nChannel 1: Yep.\n\nChannel 0: you're still saving about $455 per year in fees alone just from those investments, which is pretty good.\n\nChannel 1: That's good.\n\nChannel 0: Yeah. And with the the return as well, so we do use a five year rolling average when we are looking at the portfolio because it does give us, you know, more certainty of what's happened in the market. Now some\n\nChannel 1: Yeah.\n\nChannel 0: years may be a little bit less and and some years will be higher, but we do like to use five years to give us a bit more, you know, of a of an understanding and also to be more fair to you. Because depending on when I used the twelve months, sometimes it would have looked like you've won the lottery. Other years, like the last twelve months, not as great.\n\nChannel 1: Yep.\n\nChannel 0: So we do use that five year. And your current portfolio, if we are using that five years, it has performed at 12.85% using five years. The recommended is 19.67%. So pretty big difference, and it's cheaper, which is really good.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. Now there is a little bit of that tax I mentioned. It is very minimal, and it's only about $206. All within Superbop, that's something I do wanna let you know because we are swapping some of those investments. There are a little bit of that, but only about $206.\n\nChannel 1: Alright. And that's a tax.\n\nChannel 0: Yes. That is the tax paid within super because they are selling some of your investment.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. You will see that I have kind of projected that forecast for about five and ten years. And you need to look at five years. You know, if everything kind of stays the same, it would still be a difference of about $85,000 by making those little changes in the investment, which is pretty good.\n\nChannel 1: Yeah. That's that's it.\n\nChannel 0: Yeah.\n\nChannel 1: That's, like, a good little amount.\n\nChannel 0: It does make a big difference, and it's literally just from swapping some of those investments, and that's why the annual reviews are so good. Now we always, you know, do research on the investments and the market all the time every day, but the annual reviews are good kind of, you know, alignment point where we can do more of that in-depth research to see yourself. What happened? Do we wanna make any changes? And then do that.\n\nThe good thing\n\nChannel 1: Yep.\n\nChannel 0: with Netwealth is there's hundreds of different options. So if there is one, like, for example, Benelon that haven't done so well, we can then pop it for something that's going to put you in a better position.\n\nChannel 1: Yeah. Yep. Okay.\n\nChannel 0: Yep. Perfect. Now that is basically the the gist of the advice. The last thing I do wanna mention as well is that there's no additional fees or anything like that if you do wanna go ahead with the change. It is all part of your ongoing advice fee.\n\nJust that 1.65 from superannuation. No changes at all. If you do wanna go ahead, like I said, it's all part of the ongoing advice fee for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Now, Matthew, do you have any questions in regards to any of that, or was that pretty straightforward?\n\nChannel 1: No. I don't. It's pretty straightforward.\n\nChannel 0: Yeah. Perfect. So, obviously, take your time, have a read over it. Any questions, let me know. But, otherwise, if you are happy to go ahead with the change, I will just need you to sign that document when you have a moment.\n\nChannel 1: Yeah.\n\nChannel 0: Once you've signed it, it will then come back to me. I will get notified, and then I will let the team know to go ahead and make those investments changes for you.\n\nChannel 1: Okay. And do do I need to sign that with you on the phone or can I\n\nChannel 0: You can do it after. That's\n\nChannel 1: okay?\n\nChannel 0: okay. Especially\n\nChannel 1: I'll get\n\nChannel 0: if\n\nChannel 1: done\n\nChannel 0: you're a\n\nChannel 1: as\n\nChannel 0: bit\n\nChannel 1: soon\n\nChannel 0: off\n\nChannel 1: as\n\nChannel 0: the\n\nChannel 1: possible.\n\nChannel 0: time. Yeah. No. That's okay. If you get any issues, though, with signing, let me know.\n\nBut, no, otherwise, you can do it, you know, later today or tomorrow when you have a moment. That's okay.\n\nChannel 1: I'll do it as soon as I get back to the\n\nChannel 0: K.\n\nChannel 1: office.\n\nChannel 0: Perfect. Now, Matthew, do you have any other questions before I let you go, otherwise?\n\nChannel 1: No. I think someone called actually, I do. Someone called the other day and asked if there's any changes, and I did mention that I was back on a medication because\n\nChannel 0: Okay.\n\nChannel 1: of stresses at work.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: the medication I told him was wasn't the correct one.\n\nChannel 0: Okay.\n\nChannel 1: Does that\n\nChannel 0: That's\n\nChannel 1: does\n\nChannel 0: okay.\n\nChannel 1: that matter?\n\nChannel 0: No. I can update the records here, but it doesn't change the advice. It would only kind of be very it would be very important if we were to change any of your insurances, if that would change anything.\n\nChannel 1: Okay.\n\nChannel 0: But we're not changing the insurances. But if you do know the medication, I could just update our records anyway, so we do have it. But it doesn't change what we went over today. Do\n\nChannel 1: Okay.\n\nChannel 0: you know the\n\nChannel 1: Let me\n\nChannel 0: the medication?\n\nChannel 1: I'll just Google it. It's called I don't\n\nChannel 0: Yep.\n\nChannel 1: know how to pronounce it.\n\nChannel 0: You might have to spell it for a minute.\n\nChannel 1: It's a g\n\nChannel 0: A g o. Yep.\n\nChannel 1: o m e l\n\nChannel 0: M e l.\n\nChannel 1: a\n\nChannel 0: Yep.\n\nChannel 1: t I a n.\n\nChannel 0: Alright. Perfect. I will note that down. Thank you for letting us know. But, yeah, no.\n\nIt doesn't doesn't change anything from from the\n\nChannel 1: Okay.\n\nChannel 0: advice. But, you know, if anything does change and you wanna revisit your insurances or anything like that, just just let us know.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. Well, otherwise, I will let you go and get to your meeting. Hopefully, you have the a great rest of your day, and I'll keep a lookout for that document to come through.\n\nChannel 1: Thank you. I'm in front\n\nChannel 0: Mhmm.\n\nChannel 1: of it now, so I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'll sign it.\n\nChannel 0: Okay. Perfect. Well, thank you so much for your time today, Matthew, and I look forward to speaking with you soon again.\n\nChannel 1: Thank you. Have a good day.\n\nChannel 0: Mhmm. You too. Bye.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.0,"end":2.5,"sentiment":"neutral","sentiment_score":0.04375261068344116}],"sentiment":"neutral","sentiment_score":0.04375261068344116,"channel":1,"num_words":1,"start":2.0,"end":2.5},{"sentences":[{"text":"Good morning.","start":3.1999998,"end":3.76,"sentiment":"neutral","sentiment_score":0.3094227761030197},{"text":"Is this Matthew?","start":3.76,"end":4.58,"sentiment":"neutral","sentiment_score":0.20030359427134195}],"sentiment":"neutral","sentiment_score":0.24395126700401307,"channel":0,"num_words":5,"start":3.1999998,"end":4.58},{"sentences":[{"text":"How are you?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.17153686781724295}],"sentiment":"neutral","sentiment_score":0.17153686781724295,"channel":1,"num_words":3,"start":5.2799997,"end":6.18},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.21909283101558685},{"text":"Good.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.42768242955207825},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.2669239342212677}],"sentiment":"neutral","sentiment_score":0.28950941264629365,"channel":0,"num_words":5,"start":6.48,"end":7.94},{"sentences":[{"text":"Not bad.","start":8.16,"end":8.98,"sentiment":"positive","sentiment_score":0.4638277143239975}],"sentiment":"positive","sentiment_score":0.4638277143239975,"channel":1,"num_words":2,"start":8.16,"end":8.98},{"sentences":[{"text":"That's good.","start":9.5199995,"end":10.34,"sentiment":"positive","sentiment_score":0.6379851698875427},{"text":"It's obviously Veronica from OCU Financial.","start":10.88,"end":13.139999,"sentiment":"neutral","sentiment_score":0.32274824132521945},{"text":"And I had you booked in just to go over the the research that I did there for you.","start":14.575,"end":20.335,"sentiment":"neutral","sentiment_score":0.290981724858284},{"text":"Is now still a good time?","start":20.335,"end":21.795,"sentiment":"neutral","sentiment_score":0.21831985314687094},{"text":"Sorry, Matthew.","start":27.55,"end":28.189999,"sentiment":"neutral","sentiment_score":0.010154990013688803}],"sentiment":"neutral","sentiment_score":0.28775261882692577,"channel":0,"num_words":35,"start":9.5199995,"end":28.189999},{"sentences":[{"text":"You still there?","start":28.189999,"end":29.009998,"sentiment":"neutral","sentiment_score":-0.004848388644556205}],"sentiment":"neutral","sentiment_score":-0.004848388644556205,"channel":0,"num_words":3,"start":28.189999,"end":29.009998},{"sentences":[{"text":"Yeah.","start":29.25,"end":29.49,"sentiment":"neutral","sentiment_score":0.11758601665496826},{"text":"That's fine.","start":29.49,"end":30.39,"sentiment":"neutral","sentiment_score":0.20441432297229767}],"sentiment":"neutral","sentiment_score":0.17547155419985452,"channel":1,"num_words":3,"start":29.25,"end":30.39},{"sentences":[{"text":"Yep.","start":30.669998,"end":31.169998,"sentiment":"neutral","sentiment_score":0.2381785809993744},{"text":"Perfect.","start":31.31,"end":31.81,"sentiment":"positive","sentiment_score":0.392743319272995},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":32.91,"end":40.449997,"sentiment":"neutral","sentiment_score":0.04904264757602379}],"sentiment":"neutral","sentiment_score":0.0662309251605503,"channel":0,"num_words":31,"start":30.669998,"end":40.449997},{"sentences":[{"text":"Yep.","start":40.985,"end":41.485,"sentiment":"neutral","sentiment_score":0.08237491548061371}],"sentiment":"neutral","sentiment_score":0.08237491548061371,"channel":1,"num_words":1,"start":40.985,"end":41.485},{"sentences":[{"text":"Yeah.","start":41.745,"end":42.145,"sentiment":"neutral","sentiment_score":0.13889139890670776},{"text":"Perfect.","start":42.145,"end":42.645,"sentiment":"neutral","sentiment_score":0.24925771355628967},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":42.704998,"end":50.165,"sentiment":"neutral","sentiment_score":0.0901583881618885}],"sentiment":"neutral","sentiment_score":0.09758097159543208,"channel":0,"num_words":28,"start":41.745,"end":50.165},{"sentences":[{"text":"It's Matthew Matthew, Matthew,","start":50.745,"end":52.92,"sentiment":"neutral","sentiment_score":0.021935030352324247}],"sentiment":"neutral","sentiment_score":0.021935030352324247,"channel":1,"num_words":4,"start":50.745,"end":52.92},{"sentences":[{"text":"Yep.","start":59.28,"end":59.78,"sentiment":"neutral","sentiment_score":0.06354130059480667},{"text":"Yep.","start":60.0,"end":60.48,"sentiment":"neutral","sentiment_score":0.15906667709350586},{"text":"Perfect.","start":60.48,"end":60.96,"sentiment":"positive","sentiment_score":0.534388542175293},{"text":"That's exactly what I have here.","start":60.96,"end":62.48,"sentiment":"positive","sentiment_score":0.5038119405508041},{"text":"And how's your morning going so far?","start":62.48,"end":64.32,"sentiment":"neutral","sentiment_score":0.1736487320491246}],"sentiment":"neutral","sentiment_score":0.3122130804695189,"channel":0,"num_words":16,"start":59.28,"end":64.32},{"sentences":[{"text":"Busy or just kind of getting started?","start":64.32,"end":66.1,"sentiment":"neutral","sentiment_score":0.005065142043999263}],"sentiment":"neutral","sentiment_score":0.005065142043999263,"channel":0,"num_words":7,"start":64.32,"end":66.1},{"sentences":[{"text":"No.","start":67.735,"end":67.975006,"sentiment":"neutral","sentiment_score":-0.0698544830083847},{"text":"No.","start":67.975006,"end":68.215004,"sentiment":"neutral","sentiment_score":-0.09347349405288696},{"text":"It's busy.","start":68.215004,"end":68.695,"sentiment":"neutral","sentiment_score":-0.14394589141011238},{"text":"I've got I've got a","start":68.695,"end":69.83501,"sentiment":"neutral","sentiment_score":-0.0862329438328743}],"sentiment":"neutral","sentiment_score":-0.09804271989398533,"channel":1,"num_words":9,"start":67.735,"end":69.83501},{"sentences":[{"text":"Yeah.","start":69.34499,"end":69.84499,"sentiment":"neutral","sentiment_score":-0.021019816398620605}],"sentiment":"neutral","sentiment_score":-0.021019816398620605,"channel":0,"num_words":1,"start":69.34499,"end":69.84499},{"sentences":[{"text":"a meeting that I didn't know was on at 09:30, but","start":71.415,"end":74.315,"sentiment":"neutral","sentiment_score":-0.011659129776737907}],"sentiment":"neutral","sentiment_score":-0.011659129776737907,"channel":1,"num_words":11,"start":71.415,"end":74.315},{"sentences":[{"text":"I'll","start":75.024994,"end":75.424995,"sentiment":"neutral","sentiment_score":0.04017789289355278}],"sentiment":"neutral","sentiment_score":0.04017789289355278,"channel":0,"num_words":1,"start":75.024994,"end":75.424995},{"sentences":[{"text":"it","start":75.415,"end":75.495,"sentiment":"neutral","sentiment_score":0.05649837851524353}],"sentiment":"neutral","sentiment_score":0.05649837851524353,"channel":1,"num_words":1,"start":75.415,"end":75.495},{"sentences":[{"text":"try to keep it quick for you.","start":75.424995,"end":76.965,"sentiment":"neutral","sentiment_score":0.06805055375610079},{"text":"It should be alright by then.","start":77.024994,"end":78.48499,"sentiment":"neutral","sentiment_score":0.10713032943507035}],"sentiment":"neutral","sentiment_score":0.08608737330024059,"channel":0,"num_words":13,"start":75.424995,"end":78.48499},{"sentences":[{"text":"yeah.","start":78.615005,"end":79.115005,"sentiment":"neutral","sentiment_score":0.01205356139689684},{"text":"I thought","start":79.33,"end":79.99,"sentiment":"neutral","sentiment_score":0.007312501780688763}],"sentiment":"neutral","sentiment_score":0.008892854986091455,"channel":1,"num_words":3,"start":78.615005,"end":79.99},{"sentences":[{"text":"Yeah.","start":79.87,"end":80.37,"sentiment":"neutral","sentiment_score":0.01364767923951149},{"text":"Yeah.","start":80.67,"end":81.17,"sentiment":"neutral","sentiment_score":0.015733998268842697},{"text":"Now do you have access to 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anything.","start":1000.745,"end":1008.05,"sentiment":"neutral","sentiment_score":-0.1626998335123062}],"sentiment":"neutral","sentiment_score":-0.15680780930396837,"channel":0,"num_words":39,"start":997.14496,"end":1008.05},{"sentences":[{"text":"Okay.","start":1008.43,"end":1008.93,"sentiment":"neutral","sentiment_score":-0.023025397211313248}],"sentiment":"neutral","sentiment_score":-0.023025397211313248,"channel":1,"num_words":1,"start":1008.43,"end":1008.93},{"sentences":[{"text":"But we're not changing the insurances.","start":1008.59,"end":1010.43,"sentiment":"neutral","sentiment_score":-0.12103072553873062},{"text":"But if you do know the medication, I could just update our records anyway, so we do have it.","start":1010.43,"end":1014.77,"sentiment":"neutral","sentiment_score":-0.0034021558730225813},{"text":"But it doesn't change what we went over today.","start":1014.91003,"end":1017.15,"sentiment":"neutral","sentiment_score":-0.0985533164607154},{"text":"Do","start":1017.15,"end":1017.31,"sentiment":"neutral","sentiment_score":-0.02759365737438202}],"sentiment":"neutral","sentiment_score":-0.04872568058116095,"channel":0,"num_words":35,"start":1008.59,"end":1017.31},{"sentences":[{"text":"Okay.","start":1017.175,"end":1017.675,"sentiment":"neutral","sentiment_score":-0.015321125276386738}],"sentiment":"neutral","sentiment_score":-0.015321125276386738,"channel":1,"num_words":1,"start":1017.175,"end":1017.675},{"sentences":[{"text":"you know the","start":1017.31,"end":1018.03,"sentiment":"neutral","sentiment_score":-0.02182195894420147}],"sentiment":"neutral","sentiment_score":-0.02182195894420147,"channel":0,"num_words":3,"start":1017.31,"end":1018.03},{"sentences":[{"text":"Let me","start":1017.735,"end":1018.47504,"sentiment":"neutral","sentiment_score":-0.0231373468413949}],"sentiment":"neutral","sentiment_score":-0.0231373468413949,"channel":1,"num_words":2,"start":1017.735,"end":1018.47504},{"sentences":[{"text":"the medication?","start":1018.03,"end":1018.69,"sentiment":"neutral","sentiment_score":-0.037659622728824615}],"sentiment":"neutral","sentiment_score":-0.037659622728824615,"channel":0,"num_words":2,"start":1018.03,"end":1018.69},{"sentences":[{"text":"I'll just Google it.","start":1020.575,"end":1023.575,"sentiment":"neutral","sentiment_score":-0.025920630432665348},{"text":"It's called I don't","start":1023.575,"end":1025.255,"sentiment":"neutral","sentiment_score":-0.05871743895113468}],"sentiment":"neutral","sentiment_score":-0.042319034691900015,"channel":1,"num_words":8,"start":1020.575,"end":1025.255},{"sentences":[{"text":"Yep.","start":1025.145,"end":1025.645,"sentiment":"neutral","sentiment_score":-0.0649382621049881}],"sentiment":"neutral","sentiment_score":-0.0649382621049881,"channel":0,"num_words":1,"start":1025.145,"end":1025.645},{"sentences":[{"text":"know how to pronounce it.","start":1025.255,"end":1026.555,"sentiment":"neutral","sentiment_score":-0.061689943075180054}],"sentiment":"neutral","sentiment_score":-0.061689943075180054,"channel":1,"num_words":5,"start":1025.255,"end":1026.555},{"sentences":[{"text":"You might have to spell it for a minute.","start":1026.665,"end":1028.4451,"sentiment":"neutral","sentiment_score":-0.0265817828476429}],"sentiment":"neutral","sentiment_score":-0.0265817828476429,"channel":0,"num_words":9,"start":1026.665,"end":1028.4451},{"sentences":[{"text":"It's a g","start":1029.415,"end":1030.76,"sentiment":"neutral","sentiment_score":0.0014618173396835725}],"sentiment":"neutral","sentiment_score":0.0014618173396835725,"channel":1,"num_words":3,"start":1029.415,"end":1030.76},{"sentences":[{"text":"A g o.","start":1031.56,"end":1032.36,"sentiment":"neutral","sentiment_score":-0.002593088507031401},{"text":"Yep.","start":1032.36,"end":1032.86,"sentiment":"neutral","sentiment_score":0.006163271144032478}],"sentiment":"neutral","sentiment_score":-0.00040399859426543117,"channel":0,"num_words":4,"start":1031.56,"end":1032.86},{"sentences":[{"text":"o m e l","start":1032.42,"end":1033.64,"sentiment":"neutral","sentiment_score":0.009739007567986846}],"sentiment":"neutral","sentiment_score":0.009739007567986846,"channel":1,"num_words":4,"start":1032.42,"end":1033.64},{"sentences":[{"text":"M e l.","start":1034.04,"end":1035.0,"sentiment":"neutral","sentiment_score":0.0060366241571803885}],"sentiment":"neutral","sentiment_score":0.0060366241571803885,"channel":0,"num_words":3,"start":1034.04,"end":1035.0},{"sentences":[{"text":"a","start":1034.9,"end":1035.22,"sentiment":"neutral","sentiment_score":0.004175068344920874}],"sentiment":"neutral","sentiment_score":0.004175068344920874,"channel":1,"num_words":1,"start":1034.9,"end":1035.22},{"sentences":[{"text":"Yep.","start":1035.0,"end":1035.5,"sentiment":"neutral","sentiment_score":0.0023497482761740685}],"sentiment":"neutral","sentiment_score":0.0023497482761740685,"channel":0,"num_words":1,"start":1035.0,"end":1035.5},{"sentences":[{"text":"t I a n.","start":1035.22,"end":1036.52,"sentiment":"neutral","sentiment_score":0.00031808794801690965}],"sentiment":"neutral","sentiment_score":0.00031808794801690965,"channel":1,"num_words":4,"start":1035.22,"end":1036.52},{"sentences":[{"text":"Alright.","start":1037.9601,"end":1038.4401,"sentiment":"neutral","sentiment_score":0.08447735756635666},{"text":"Perfect.","start":1038.4401,"end":1038.9401,"sentiment":"neutral","sentiment_score":0.26948267221450806},{"text":"I will note that down.","start":1039.0801,"end":1040.54,"sentiment":"neutral","sentiment_score":0.2588948667049408},{"text":"Thank you for letting us know.","start":1040.68,"end":1041.8,"sentiment":"positive","sentiment_score":0.3701956371466319},{"text":"But, yeah, no.","start":1041.8,"end":1042.36,"sentiment":"neutral","sentiment_score":0.039579473435878754}],"sentiment":"neutral","sentiment_score":0.24927166290581226,"channel":0,"num_words":16,"start":1037.9601,"end":1042.36},{"sentences":[{"text":"It doesn't doesn't change anything from from the","start":1042.36,"end":1045.605,"sentiment":"neutral","sentiment_score":-0.037288273219019175}],"sentiment":"neutral","sentiment_score":-0.037288273219019175,"channel":0,"num_words":8,"start":1042.36,"end":1045.605},{"sentences":[{"text":"Okay.","start":1045.38,"end":1045.755,"sentiment":"neutral","sentiment_score":-0.014858830720186234}],"sentiment":"neutral","sentiment_score":-0.014858830720186234,"channel":1,"num_words":1,"start":1045.38,"end":1045.755},{"sentences":[{"text":"advice.","start":1045.605,"end":1046.105,"sentiment":"neutral","sentiment_score":-0.034512732177972794},{"text":"But, you know, if anything does change and you wanna revisit your insurances or anything like that, just just let us know.","start":1046.245,"end":1052.025,"sentiment":"neutral","sentiment_score":0.023859992453997784}],"sentiment":"neutral","sentiment_score":0.021322047904781673,"channel":0,"num_words":23,"start":1045.605,"end":1052.025},{"sentences":[{"text":"Okay.","start":1052.555,"end":1053.055,"sentiment":"neutral","sentiment_score":0.1239778697490692}],"sentiment":"neutral","sentiment_score":0.1239778697490692,"channel":1,"num_words":1,"start":1052.555,"end":1053.055},{"sentences":[{"text":"Yeah.","start":1053.365,"end":1053.845,"sentiment":"neutral","sentiment_score":0.20441803336143496},{"text":"Perfect.","start":1053.845,"end":1054.3251,"sentiment":"positive","sentiment_score":0.3654676675796509},{"text":"Well, otherwise, I will let you go and get to your meeting.","start":1054.3251,"end":1056.745,"sentiment":"neutral","sentiment_score":0.3270127400755882},{"text":"Hopefully, you have the a great rest of your day, and I'll keep a lookout for that document to come through.","start":1056.9651,"end":1063.0,"sentiment":"positive","sentiment_score":0.4752496438367026}],"sentiment":"positive","sentiment_score":0.41355088864053996,"channel":0,"num_words":35,"start":1053.365,"end":1063.0},{"sentences":[{"text":"Thank you.","start":1063.53,"end":1064.17,"sentiment":"positive","sentiment_score":0.372290700674057},{"text":"I'm in front","start":1064.17,"end":1064.81,"sentiment":"neutral","sentiment_score":0.14600072304407755}],"sentiment":"neutral","sentiment_score":0.23651671409606934,"channel":1,"num_words":5,"start":1063.53,"end":1064.81},{"sentences":[{"text":"Mhmm.","start":1064.58,"end":1065.08,"sentiment":"neutral","sentiment_score":0.07933014631271362}],"sentiment":"neutral","sentiment_score":0.07933014631271362,"channel":0,"num_words":1,"start":1064.58,"end":1065.08},{"sentences":[{"text":"of it now, so I'll","start":1064.81,"end":1065.85,"sentiment":"neutral","sentiment_score":0.09293423742055892}],"sentiment":"neutral","sentiment_score":0.09293423742055892,"channel":1,"num_words":5,"start":1064.81,"end":1065.85},{"sentences":[{"text":"Yeah.","start":1065.7,"end":1066.2,"sentiment":"neutral","sentiment_score":0.03928321599960327}],"sentiment":"neutral","sentiment_score":0.03928321599960327,"channel":0,"num_words":1,"start":1065.7,"end":1066.2},{"sentences":[{"text":"I'll sign it.","start":1065.85,"end":1066.91,"sentiment":"positive","sentiment_score":0.38552234570185345}],"sentiment":"positive","sentiment_score":0.38552234570185345,"channel":1,"num_words":3,"start":1065.85,"end":1066.91},{"sentences":[{"text":"Okay.","start":1067.0599,"end":1067.5599,"sentiment":"positive","sentiment_score":0.402955949306488},{"text":"Perfect.","start":1067.62,"end":1068.12,"sentiment":"positive","sentiment_score":0.7516775131225586},{"text":"Well, thank you so much for your time today, Matthew, and I look forward to speaking with you soon again.","start":1068.5,"end":1072.9169,"sentiment":"positive","sentiment_score":0.8314891010522842}],"sentiment":"positive","sentiment_score":0.8083825219761241,"channel":0,"num_words":22,"start":1067.0599,"end":1072.9169},{"sentences":[{"text":"Thank you.","start":1073.1569,"end":1073.6368,"sentiment":"positive","sentiment_score":0.8208566904067993},{"text":"Have a good day.","start":1073.6368,"end":1074.617,"sentiment":"positive","sentiment_score":0.7087070494890213}],"sentiment":"positive","sentiment_score":0.7460902631282806,"channel":1,"num_words":6,"start":1073.1569,"end":1074.617},{"sentences":[{"text":"Mhmm.","start":1074.6769,"end":1074.7568,"sentiment":"neutral","sentiment_score":0.21944396197795868},{"text":"You too.","start":1074.7568,"end":1075.3969,"sentiment":"neutral","sentiment_score":0.3130684047937393},{"text":"Bye.","start":1075.3969,"end":1075.8969,"sentiment":"neutral","sentiment_score":0.2327250689268112}],"sentiment":"neutral","sentiment_score":0.26957646012306213,"channel":0,"num_words":4,"start":1074.6769,"end":1075.8969},{"sentences":[{"text":"Thanks.","start":1075.9569,"end":1076.4369,"sentiment":"positive","sentiment_score":0.5587824583053589},{"text":"Bye.","start":1076.4369,"end":1076.9369,"sentiment":"neutral","sentiment_score":-0.11391929537057877}],"sentiment":"neutral","sentiment_score":0.22243158146739006,"channel":1,"num_words":2,"start":1075.9569,"end":1076.9369}]},"summary":{"result":"success","short":"The AcU Financial representative discusses with Matthew the importance of maximizing his investments and recommends a new investment property. They also suggest making changes to his investments and recommend changing his investment portfolio to a better one. The speaker emphasizes the importance of keeping his gold and cybersecurity investments in the portfolio and explains that annual reviews are good for alignment. The speaker also explains that there are hundreds of options for investment and that annual reviews are good for alignment. The speaker also explains that there are no fees or fees for the customer to go ahead with the change and that the recommended investment is 19.75%."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start_word":91,"end_word":116,"intents":[{"intent":"Confirm identity","confidence_score":0.022137726}]},{"text":"So I spoke through to all the funds, and they have confirmed that they've already been consolidated and closed down, which is good. Okay.","start_word":389,"end_word":412,"intents":[{"intent":"Consolidate funds","confidence_score":0.22016394}]},{"text":"And I have, oh, I'm also done a bit of a review on your investments. I have made some recommendations on a couple of changes, which I'll run through with you. Okay.","start_word":677,"end_word":708,"intents":[{"intent":"Make recommendations","confidence_score":0.024168458}]},{"text":"So you'd only have to pay 15%. And if you've had the investment more than twelve months, it does get reduced to 10%. Okay.","start_word":1061,"end_word":1084,"intents":[{"intent":"Discuss investment performance","confidence_score":0.035011083}]},{"text":"We are still keeping you within a high growth portfolio. You're quite comfortable with high growth. The goal is still because you do have plenty of time until your time and is to try to maximize that growth for you While you do have the time, having about 90% invested in those growth investments and about Yep. 10% in those defensives. So limit fluctuation is a little bit, but the goal is to try to maximize that growth for you. Yeah.","start_word":1182,"end_word":1262,"intents":[{"intent":"Maximize growth","confidence_score":0.6998193}]},{"text":"We've seen a lot of fluctuations in in the market, and the biggest contributor through your fluctuation in that portfolio was was that Benelon investment, which I have recommended that we change. So that was that managed fund that we had invested in your portfolio. Okay.","start_word":1295,"end_word":1340,"intents":[{"intent":"Recommend changes","confidence_score":0.010918409},{"intent":"Discuss market fluctuations","confidence_score":0.093095854},{"intent":"Explain market fluctuations","confidence_score":0.009675658}]},{"text":"that one works, differently through your other investments, which are just kinda following an index. But recently, with the suspension of one of their investment, that Coastal Travel Group, they saw that big drop in prices.","start_word":1380,"end_word":1415,"intents":[{"intent":"Compare investments","confidence_score":0.012911678}]},{"text":"So I have recommended that we change that one out to other option that's going to be a little bit better for you Okay.","start_word":1417,"end_word":1440,"intents":[{"intent":"Change option","confidence_score":0.007625497}]},{"text":"So when you do have a look at it so if we're Yep. looking at investment so when you it probably makes more sense when you can have a look at the document in front of you, but that is on page 16. That shows you a breakdown of your current investment, Okay.","start_word":1454,"end_word":1506,"intents":[{"intent":"Review investment","confidence_score":0.011198924}]},{"text":"A lot of your investments have done well, so we are keeping them again to kinda minimize the capital gains tax, but still making sure that they align with you and that they Yeah.","start_word":1527,"end_word":1560,"intents":[{"intent":"Ensure alignment","confidence_score":0.018881293}]},{"text":"biggest one is that Benelon investment. So we are selling out of that one. And there's another one that I shared with you as well we are selling out of, which, again, when you do have a look at it on page 16, it might make a bit more sense. Okay.","start_word":1567,"end_word":1617,"intents":[{"intent":"Share information","confidence_score":0.0002484681}]},{"text":"But, otherwise, we are keeping in the portfolio. We are keeping you gold. It's done really well. So we're keeping that one in your portfolio.","start_word":1619,"end_word":1643,"intents":[{"intent":"Maintain portfolio","confidence_score":0.3249515}]},{"text":"We are also keeping the Europe iShares in the portfolio as well. Again, it's doing pretty good. Only about 9% We're keeping that one. And Okay. also keeping your Japan iShares investment again at about 5%. Okay.","start_word":1702,"end_word":1738,"intents":[{"intent":"Keep ishares investment","confidence_score":0.044337988}]},{"text":"Now those are kind of the changes with your investments, and I do wanna highlight. So when you have a look at it, again, it'll be on page 12. It might look a little bit messy, but it's one of those tables showing you a bit of a projection forecast, and that includes, you know, all the fees and the returns and stuff like that.","start_word":2072,"end_word":2136,"intents":[{"intent":"Highlight investments","confidence_score":0.08066943}]},{"text":"It's basically where all the math comes into play. It's all in a table for you so you can see it. Essentially, you will see that by making the change so even though we're not making any changes to contributions and insurance, it's just your investment, Yep. you're still saving about $455 per year in fees alone just from those investments, which is pretty good. That's good.","start_word":2138,"end_word":2204,"intents":[{"intent":"Explain investment process","confidence_score":0.012217454}]},{"text":"Now we always, you know, do research on the investments and the market all the time every day, but the annual reviews are good kind of, you know, alignment point where we can do more of that in-depth research to see yourself. What happened?","start_word":2528,"end_word":2571,"intents":[{"intent":"Extend research","confidence_score":0.0005720776}]},{"text":"with Netwealth is there's hundreds of different options. So if there is one, like, for example, Benelon that haven't done so well, we can then pop it for something that's going to put you in a better position. Yeah.","start_word":2586,"end_word":2624,"intents":[{"intent":"Explain options","confidence_score":0.040203393}]},{"text":"The last thing I do wanna mention as well is that there's no additional fees or anything like that if you do wanna go ahead with the change. It is all part of your ongoing advice fee. Just that 1.65 from superannuation. No changes at all. If you do wanna go ahead, like I said, it's all part of the ongoing advice fee for you. Yep. Okay.","start_word":2639,"end_word":2705,"intents":[{"intent":"Discuss fees","confidence_score":0.104061075}]},{"text":"Now, Matthew, do you have any questions in regards to any of that, or was that pretty straightforward? No.","start_word":2708,"end_word":2726,"intents":[{"intent":"Inquire about questions","confidence_score":0.0032207423}]},{"text":"So, obviously, take your time, have a read over it. Any questions, let me know. But, otherwise, if you are happy to go ahead with the change, I will just need you to sign that document when you have a moment. Yeah.","start_word":2734,"end_word":2775,"intents":[{"intent":"Sign document","confidence_score":0.027318055}]},{"text":"I can update the records here, but it doesn't change the advice. It would only kind of be very it would be very important if we were to change any of your insurances, if that would change anything. Okay.","start_word":2970,"end_word":3008,"intents":[{"intent":"Update records","confidence_score":0.30941096}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Matthew? How are you? Yeah.","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.1927220523357391},{"text":"Good.","start_word":10,"end_word":10,"sentiment":"positive","sentiment_score":0.42768242955207825},{"text":"How are you?","start_word":11,"end_word":13,"sentiment":"neutral","sentiment_score":0.27123090624809265},{"text":"Not bad. That's good.","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.5691165328025818},{"text":"It's obviously Veronica from OCU Financial. And I had you booked in just to go over the the research that I did there for you. Is now still a good time? Sorry, Matthew. You still there? Yeah. That's fine. Yep.","start_word":18,"end_word":57,"sentiment":"neutral","sentiment_score":0.23166847229003903},{"text":"Perfect.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.392743319272995},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? It's Matthew Matthew, Matthew, Yep. Yep.","start_word":59,"end_word":122,"sentiment":"neutral","sentiment_score":0.07333488017320633},{"text":"Perfect. That's exactly what I have here.","start_word":123,"end_word":129,"sentiment":"positive","sentiment_score":0.5084379315376282},{"text":"And how's your morning going so far? Busy or just kind of getting started? No. No. It's busy. I've got I've got a Yeah. a meeting that I didn't know was on at 09:30, but I'll it try to keep it quick for you. It should be alright by then. yeah. I thought Yeah. Yeah. Now do you have access to your so. emails at the moment, or are you on the road? Or I am in the car, but I'm I'll probably for the next three minutes. That's all. That's okay. No. I do have email access. Yeah. Okay. So because what I've done is if you can get it up or or in three minutes when you can, I have just sent you the statement of advice to run through? Yeah. And it does sometimes make it a bit easier if you can get it up at the same time. But if you can't, it is fairly straightforward. I'm happy to run through it, and then you can have a have a quick read of it when you have a moment. It's Yeah. up to you That's if right. you do That's have. Yeah. Perfect. Now, obviously, from our last conversation, we had that lost super authority come back for you from right. the ATO, Yep. Yep. which kind of obviously when we we started going down the research, and it showed that you had, like, an old Aware Super. I think it was, like, a a BT Panorama and then a PSAP account as well. Yep.","start_word":130,"end_word":388,"sentiment":"neutral","sentiment_score":0.07854733003382518},{"text":"So I spoke through to all the funds, and they have confirmed that they've already been consolidated and closed down, which is good.","start_word":389,"end_word":411,"sentiment":"positive","sentiment_score":0.502290666103363},{"text":"Okay. Sometimes the ATO have a little bit outdated information. It takes a little while to get that updated, but it's always good to double check. Yes. Okay. Yeah. So that's all been consolidated.","start_word":412,"end_word":445,"sentiment":"neutral","sentiment_score":-0.03706922382116318},{"text":"You only have your net wealth, which is good.","start_word":446,"end_word":454,"sentiment":"positive","sentiment_score":0.4260338544845581},{"text":"Now in the statement of advice, a little bit is just for compliance purposes. It is pretty straightforward, but, obviously, when you have a moment, have a read through it. Any questions, let me know. Yep. When you do have a look at it, you will see that, the statement of advice has been prepared just for yourself. You will have my authorized representative, number listed on the first page, and I'm obviously licensed under Oakview Financial. Okay. Yep. Now you would obviously be aware that every time we do a recommendation and provide these strategies, we have to follow that best interest duty, which is obviously to make sure that all the advice and everything we do has to be in your best interest. And it does have to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Yeah. Yep.","start_word":455,"end_word":605,"sentiment":"neutral","sentiment_score":0.1358146071434021},{"text":"Perfect.","start_word":606,"end_word":606,"sentiment":"positive","sentiment_score":0.3691147565841675},{"text":"Now when you do have a read through it, you will see little sections talking about what we are scraping in and and scraping out, and that basically just narrows down to what we are looking at today. Basically, Okay. today, though, it is just your fee of annuation to see if we needed to consolidate it, which we've obviously ruled out we didn't have to, which is great. Mhmm. And I have, oh, I'm also done a bit of a review on your investments. I have made some recommendations on a couple of changes, which I'll run through with you. Okay. But, otherwise, that is that is essentially the gist of it. Just with your investments, we are not making any changes to your insurances.","start_word":607,"end_word":732,"sentiment":"neutral","sentiment_score":0.13103845999354408},{"text":"You were quite happy with them. They align with your needs, and they are quite affordable.","start_word":733,"end_word":748,"sentiment":"positive","sentiment_score":0.5508285164833069},{"text":"So not making any changes to insurances or anything like that. Literally Yep. just the the superannuation. Okay.","start_word":749,"end_word":766,"sentiment":"neutral","sentiment_score":0.026316996663808823},{"text":"Yeah. Perfect.","start_word":767,"end_word":768,"sentiment":"positive","sentiment_score":0.4605424404144287},{"text":"Now I did also have some I did some research on your Netwealth account as well just to make sure, you know, you're still going to be the best for you or if there were other alternative options out there. Okay.","start_word":769,"end_word":809,"sentiment":"neutral","sentiment_score":0.1925424039363861},{"text":"And from from the research, it's still very much a good option for you.","start_word":810,"end_word":823,"sentiment":"positive","sentiment_score":0.4616129994392395},{"text":"There were some other options I did consider. There Yep. was another one that was pretty closely when it comes to the features and the price. It was a tiny bit cheaper per year in administration fees, Oh, but okay. because but because your super has gone up so much, which is good, if I suggested that we do make the change, you would have to pay a bit of capital gains tax by selling and switching, and the tax just wasn't worth at the minimal cost you would save Yeah. on administration. I think Does that Okay. make sense? No worries. Yeah. Sorry. I'm just Sorry. trying to see what the date is. Twenty fourth. No. That's okay. So, yeah, Netwealth is still very much a good option for you, so I'm not recommending that we change it, keep you within And Netwealth. sorry. Mhmm. I've just I've got a question. Yeah. With Yeah. the capital gains, what, like, what is that with the superannuation? I've just Mhmm. Yeah. So it's because, obviously, your investments have gone up. And every time you sell an investment, you have to pay capital gains tax. Now it is Oh, wow. yeah. So similar to, you know, if you were to have an investment property and stuff like Okay. that, Yep. Yep. you would have to pay it, but it is reduced in superannuation. So Okay. you would yeah. So you'd only have to pay 15%. And if you've had the investment more than twelve months, it does get reduced to 10%. Okay. But this Alright. is still something that we factor in, obviously, when making changes that we do wanna minimize that if possible, but still, obviously, making sure we have the the good investments for you. Yep. Okay. Yep. Does that make sense? Okay. Yep.","start_word":824,"end_word":1127,"sentiment":"neutral","sentiment_score":0.017089706281886288},{"text":"Yes. Perfect.","start_word":1128,"end_word":1129,"sentiment":"positive","sentiment_score":0.4902317225933075},{"text":"Most people don't know that actually either. You just don't think that you have to because it's normally just taken care of within the situation environment, and you just don't know. So yeah. Mhmm. Now when it comes through your risk profile, I haven't made any changes at all through Yep. it.","start_word":1130,"end_word":1181,"sentiment":"neutral","sentiment_score":0.08657901734113693},{"text":"We are still keeping you within a high growth portfolio. You're quite comfortable with high growth.","start_word":1182,"end_word":1197,"sentiment":"positive","sentiment_score":0.4318350851535797},{"text":"The goal is still because you do have plenty of time until your time and is to try to maximize that growth for you While you do have the time, having about 90% invested in those growth investments and about Yep. 10% in those defensives. So limit fluctuation is a little bit, but the goal is to try to maximize that growth for you. Yeah. I've noticed over the last few months that it's hoovered just under one thirty. It's gone to one thirty, maybe a little bit over, and now it's back down. And Yeah. Yeah. We've seen a lot of fluctuations in in the market, and the biggest contributor through your fluctuation in that portfolio was was that Benelon investment, which I have recommended that we change. So that was that managed fund that we had invested in your portfolio. Okay. So when when you came on board, that one had done really, really well and kind of acted as the function of kinda outperforming the market by kind of actively buying and selling investments, which Yeah. is how Yep. that one works, differently through your other investments, which are just kinda following an index. But recently, with the suspension of one of their investment, that Coastal Travel Group, they saw that big drop in prices. So I have recommended that we change that one out to other option that's going to be a little bit better for you Okay. because we're obviously So that's the Ben Benelon one you mentioned. Correct. Yes. Okay. So when you do have a look at it so if we're Yep. looking at investment so when you it probably makes more sense when you can have a look at the document in front of you, but that is on page 16. That shows you a breakdown of your current investment, Okay. and Yep. then that once I have recommended that we change. So it's not a big difference in the investment. A lot of your investments have done well, so we are keeping them again to kinda minimize the capital gains tax, but still making sure that they align with you and that they Yeah. are doing well. So the Yep. biggest one is that Benelon investment. So we are selling out of that one. And there's another one that I shared with you as well we are selling out of, which, again, when you do have a look at it on page 16, it might make a bit more sense. Okay. Alright. But, otherwise, we are keeping in the portfolio.","start_word":1198,"end_word":1626,"sentiment":"neutral","sentiment_score":0.05395876409568431},{"text":"We are keeping you gold. It's done really well.","start_word":1627,"end_word":1635,"sentiment":"positive","sentiment_score":0.4430827796459198},{"text":"So we're keeping that one in your portfolio. We are also keeping the better cybersecurity in your investments. Obviously, AI technology is not going anywhere anytime soon. Yeah. So Noted. there's a lot of a lot of things in that space. It's only about 6% of the portfolio because they can fluctuate a little bit. So only about six Yep. percent to try and do that. We are also keeping the Europe iShares in the portfolio as well.","start_word":1636,"end_word":1713,"sentiment":"neutral","sentiment_score":0.07900593429803848},{"text":"Again, it's doing pretty good.","start_word":1714,"end_word":1718,"sentiment":"positive","sentiment_score":0.3798518776893616},{"text":"Only about 9% We're keeping that one. And Okay. also keeping your Japan iShares investment again at about 5%. Okay.","start_word":1719,"end_word":1738,"sentiment":"neutral","sentiment_score":0.1526004672050476},{"text":"Also keeping the iShares S and P 500, that one has done really well, and it's a very diversified investment.","start_word":1739,"end_word":1758,"sentiment":"positive","sentiment_score":0.408359169960022},{"text":"Because in that one single investment, it does invest in the 500 largest companies listed in The US.","start_word":1759,"end_word":1776,"sentiment":"neutral","sentiment_score":0.22567272186279297},{"text":"Very diversified in that one single investment, and that is why that one is the biggest portion of your portfolio.","start_word":1777,"end_word":1796,"sentiment":"positive","sentiment_score":0.41584545373916626},{"text":"Yep. Okay. Yep.","start_word":1797,"end_word":1799,"sentiment":"neutral","sentiment_score":0.25693345069885254},{"text":"Perfect.","start_word":1800,"end_word":1800,"sentiment":"positive","sentiment_score":0.6446666717529297},{"text":"And then we have also introduced three new ones for you. So we have swapped the Miski World for a very similar one. It's called Vanguard All World. You may have heard of Vanguard before. Yeah. Yep. Yeah. So they're very big, and it is an ETF that is following that index, and it is in invest in different companies around the world, but it does expose The US. Because you already have exposure to The US in that Yep. IHS S and P 500, then we don't want you to be too concentrated in one market. Okay. Does that make sense? It does. Yeah. Yeah. Yeah. Perfect. I'm sorry. And I'm the just no. I'm just That's driving okay. back to work. I had to go and pick something up for a patient. Oh, no. That's okay. We're almost at the end as well because I do know you have a meeting shortly. So, basically, the other change is sorry. Instead of the Benelung investment, which was focusing on the Australian equity, we do still wanna have the Australian exposure, but wanna swap it for something that's done a little bit better for you and a little bit cheaper as well with the same function. And that is Yes. the BetaShares Australia 200. And in that Okay. investment, it does invest in the 200 largest companies listed on the ASX. So you will have companies, you know, like Commonwealth and BHP and Woolworths, all the big companies in Australia as well. Okay. Does that Well, make sense? yeah, no. I'm happy to do Yes. whatever you Yes. recommend. Yeah.","start_word":1801,"end_word":2070,"sentiment":"neutral","sentiment_score":0.06921350210905075},{"text":"Perfect.","start_word":2071,"end_word":2071,"sentiment":"positive","sentiment_score":0.3837987184524536},{"text":"Now those are kind of the changes with your investments, and I do wanna highlight. So when you have a look at it, again, it'll be on page 12. It might look a little bit messy, but it's one of those tables showing you a bit of a projection forecast, and that includes, you know, all the fees and the returns and stuff like that. It's basically where all the math comes into play. It's all in a table for you so you can see it. Essentially, you will see that by making the change so even though we're not making any changes to contributions and insurance, it's just your investment, Yep.","start_word":2072,"end_word":2183,"sentiment":"neutral","sentiment_score":0.1828316611104778},{"text":"you're still saving about $455 per year in fees alone just from those investments, which is pretty good. That's good. Yeah.","start_word":2184,"end_word":2204,"sentiment":"positive","sentiment_score":0.7614079713821411},{"text":"And with the the return as well, so we do use a five year rolling average when we are looking at the portfolio because it does give us, you know, more certainty of what's happened in the market. Now some Yeah. years may be a little bit less and and some years will be higher, but we do like to use five years to give us a bit more, you know, of a of an understanding and also to be more fair to you. Because depending on when I used the twelve months, sometimes it would have looked like you've won the lottery. Other years, like the last twelve months, not as great. Yep. So we do use that five year. And your current portfolio, if we are using that five years, it has performed at 12.85% using five years. The recommended is 19.67%.","start_word":2205,"end_word":2348,"sentiment":"neutral","sentiment_score":0.12380129843950272},{"text":"So pretty big difference, and it's cheaper, which is really good.","start_word":2349,"end_word":2359,"sentiment":"positive","sentiment_score":0.41678810119628906},{"text":"Yep. Okay. Yeah. Now there is a little bit of that tax I mentioned. It is very minimal, and it's only about $206. All within Superbop, that's something I do wanna let you know because we are swapping some of those investments. There are a little bit of that, but only about $206. Alright. And that's a tax. Yes. That is the tax paid within super because they are selling some of your investment. Yeah. Okay. Yeah. You will see that I have kind of projected that forecast for about five and ten years. And you need to look at five years. You know, if everything kind of stays the same, it would still be a difference of about $85,000 by making those little changes in the investment, which is pretty good. Yeah. That's that's it. Yeah. That's, like, a good little amount.","start_word":2360,"end_word":2502,"sentiment":"neutral","sentiment_score":0.09256333112716676},{"text":"It does make a big difference, and it's literally just from swapping some of those investments, and that's why the annual reviews are so good. Now we always, you know, do research on the investments and the market all the time every day, but the annual reviews are good kind of, you know, alignment point where we can do more of that in-depth research to see yourself.","start_word":2503,"end_word":2569,"sentiment":"positive","sentiment_score":0.4735608100891114},{"text":"What happened? Do we wanna make any changes? And then do that.","start_word":2570,"end_word":2581,"sentiment":"neutral","sentiment_score":0.18900874257087708},{"text":"The good thing Yep. with Netwealth is there's hundreds of different options. So if there is one, like, for example, Benelon that haven't done so well, we can then pop it for something that's going to put you in a better position.","start_word":2582,"end_word":2623,"sentiment":"positive","sentiment_score":0.5059380531311035},{"text":"Yeah. Yep. Okay.","start_word":2624,"end_word":2626,"sentiment":"neutral","sentiment_score":0.2519456148147583},{"text":"Yep. Perfect. Now that is basically the the gist of the advice.","start_word":2627,"end_word":2638,"sentiment":"positive","sentiment_score":0.5522035360336304},{"text":"The last thing I do wanna mention as well is that there's no additional fees or anything like that if you do wanna go ahead with the change. It is all part of your ongoing advice fee. Just that 1.65 from superannuation. No changes at all. If you do wanna go ahead, like I said, it's all part of the ongoing advice fee for you. Yep. Okay. Yep.","start_word":2639,"end_word":2706,"sentiment":"neutral","sentiment_score":0.26186129450798035},{"text":"Perfect.","start_word":2707,"end_word":2707,"sentiment":"positive","sentiment_score":0.469122052192688},{"text":"Now, Matthew, do you have any questions in regards to any of that, or was that pretty straightforward? No. I don't. It's pretty straightforward. Yeah.","start_word":2708,"end_word":2732,"sentiment":"neutral","sentiment_score":0.1402621865272522},{"text":"Perfect.","start_word":2733,"end_word":2733,"sentiment":"positive","sentiment_score":0.414997398853302},{"text":"So, obviously, take your time, have a read over it. Any questions, let me know. But, otherwise, if you are happy to go ahead with the change, I will just need you to sign that document when you have a moment. Yeah. Once you've signed it, it will then come back to me. I will get notified, and then I will let the team know to go ahead and make those investments changes for you. Okay. And do do I need to sign that with you on the phone or can I You can do it after. That's okay? okay. Especially I'll get if done you're a as bit soon off as the possible. time. Yeah. No. That's okay. If you get any issues, though, with signing, let me know. But, no, otherwise, you can do it, you know, later today or tomorrow when you have a moment. That's okay. I'll do it as soon as I get back to the K. office.","start_word":2734,"end_word":2896,"sentiment":"neutral","sentiment_score":0.1298722548901669},{"text":"Perfect.","start_word":2897,"end_word":2897,"sentiment":"positive","sentiment_score":0.5279908180236816},{"text":"Now, Matthew, do you have any other questions before I let you go, otherwise? No. I think someone called actually, I do. Someone called the other day and asked if there's any changes, and I did mention that I was back on a medication because Okay. of stresses at work. Yep. And Yep. the medication I told him was wasn't the correct one. Okay. Does that That's does okay. that matter? No. I can update the records here, but it doesn't change the advice. It would only kind of be very it would be very important if we were to change any of your insurances, if that would change anything. Okay. But we're not changing the insurances. But if you do know the medication, I could just update our records anyway, so we do have it. But it doesn't change what we went over today. Do Okay. you know the Let me the medication? I'll just Google it. It's called I don't Yep. know how to pronounce it. You might have to spell it for a minute. It's a g A g o. Yep. o m e l M e l. a Yep. t I a n. Alright. Perfect. I will note that down.","start_word":2898,"end_word":3101,"sentiment":"neutral","sentiment_score":-0.05473530665040016},{"text":"Thank you for letting us know.","start_word":3102,"end_word":3107,"sentiment":"positive","sentiment_score":0.3693526983261109},{"text":"But, yeah, no. It doesn't doesn't change anything from from the Okay. advice. But, you know, if anything does change and you wanna revisit your insurances or anything like that, just just let us know. Okay. Yeah.","start_word":3108,"end_word":3144,"sentiment":"neutral","sentiment_score":0.019829420372843742},{"text":"Perfect.","start_word":3145,"end_word":3145,"sentiment":"positive","sentiment_score":0.3654676675796509},{"text":"Well, otherwise, I will let you go and get to your meeting.","start_word":3146,"end_word":3157,"sentiment":"neutral","sentiment_score":0.326998233795166},{"text":"Hopefully, you have the a great rest of your day, and I'll keep a lookout for that document to come through. Thank you.","start_word":3158,"end_word":3180,"sentiment":"positive","sentiment_score":0.4571424722671509},{"text":"I'm in front Mhmm. of it now, so I'll Yeah.","start_word":3181,"end_word":3190,"sentiment":"neutral","sentiment_score":0.09904955327510834},{"text":"I'll sign it. Okay. Perfect. Well, thank you so much for your time today, Matthew, and I look forward to speaking with you soon again. Thank you. Have a good day.","start_word":3191,"end_word":3221,"sentiment":"positive","sentiment_score":0.7214192748069763},{"text":"Mhmm. You too. Bye.","start_word":3222,"end_word":3225,"sentiment":"neutral","sentiment_score":0.24961018562316897},{"text":"Thanks.","start_word":3226,"end_word":3226,"sentiment":"positive","sentiment_score":0.5587824583053589},{"text":"Bye.","start_word":3227,"end_word":3227,"sentiment":"neutral","sentiment_score":0.31205207109451294}],"average":{"sentiment":"neutral","sentiment_score":0.13242376189126578}}}}