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Is now still a good time there for you? Yep. Fantastic. Before we could jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file. Fantastic. Thank you so much. Bethelia, we do normally send through to review. My system's a little bit slow and not working at the moment. Are you okay if I start by going through the advice with you and then I can send them through when they're when when it's working properly for me. Is that okay? Or did you want me to sort of hold off until you can see the document? What sort of preferred more for yourself? Yeah. That's okay. All good. Well, I'll start by going through. As soon as my system is up running, I've got the IT man here sort of helping me at the moment. As soon as that is ready to go, I'll get it sent off to you, and I'll let you know when you can check your emails there. Apologies about that. Love technology when it wants to work for us. All all good. Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation. So when we sort of did your last annual review, we were looking at maybe updating things. I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you. But we also talked about, essentially, your goal. Back then, you were wanting to access super around about the age of 70. Is that still feeling fairly appropriate goal wise for yourself, or do you think there may have been some changes since then? No. That's okay. Well, I'll tell you what. We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier. That way, you hopefully don't have to work as long as you think you do. How does that sound? Lovely. Fantastic. Now the other thing that we did talk about was essentially looking at ways to boost your salary to boost your super sorry. So looking at salary sacrifice is an option there. When we spoke last time, you were comfortable with starting with a smaller amount looking at what that can do and then kinda reviewing and building up down that on that down the track as well. Does that still feel fairly appropriate for you? You're not not gonna be able to salary sacrifice anything in there? No. That's okay. Well, essentially, with with the advice, I had initially recommended that you did start salary sacrificing about $50 per week into the super fund just to kind of build on that. Essentially, that because realistically with your super and with your age and where you are to kinda help it to make it work a little bit harder, Providing that bit of extra boost is really important down the track. But if you can't now, once you've gone through the advice document, on the very last page, we do just have a little, like, a multiline box. So if you're not wanting to proceed with the salary sacrifice for the time being, we'll just get you to pop that in there for us. Okay? Excellent. Now just to kind of run you to the recommendation, so I did have a bit of a look at your net wealth as well as all the other super funds out there to sort of see whether this was still appropriate for you and how we could readjust your portfolio for you so that you things were working a bit harder for you. I have made a recommendation there to retain net wealth. Essentially, one of the things I do look at when we are adjusting the portfolios is your I'm not sure if I went through with you, but your super fund, just like you, does a tax return every year. Your super pays income tax and capital gains tax as well. So, essentially, what we do wanna look at is capital gains consequences when we do change or, you know, ultra investment portfolios, essentially. If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there. So we wanted to try and limit that as much as possible. So retaining Netwealth was more appropriate to limit that cost on your super fund, and then essentially switch the investments within that for you. With the recommendation and I believe the email should have been sent. Oh, it's on its way to you. Sorry. Hopefully, it comes through very, very shortly. If you can let me know when it does, but it looks like it is sending through to you now. But, essentially, with the super, as I kinda mentioned, just retaining Netwealth as it is, but adjusting the portfolio within there. I have had a look at ways to adjust the portfolio, so it is working harder for you. And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good. A few less fees to consider and more money sitting in your super working harder for you. The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598. So I wasn't able to reduce it any further than that. But, essentially, when I looked at what the portfolio was doing and the fees for switching investments around, we look at what the savings are and how long it is to make those to make the CGT consequences back. So, realistically, the investment savings there essentially would cover the cost of the the CGT within about two years without any additional growth there. So it does work in your benefit. Okay? Beautiful. Essentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there. Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you. When we sort of touched base and did the the risk profiling as well, we also talked about remaining in that growth portfolio. Do you remember kinda going to that risk profile, talking about the eighty twenty status split with regard to the growth in defensive assets? Do you remember how that works? Yeah. That's okay. Did you want me to talk you through that? No. That's okay. So with that growth environment, you see about 80% of the super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in low risk defensive investments there. So thinking things like a a fixed interest, cash, and bonds. Essentially, being in that kind of environment, it suits somebody who has about six years before they're wanting to access their super debts. You do have that time horizon ahead of you, which is good. We would agree to sort of stay in that growth environment there. So I have done so, and I've looked at making some changes to kinda get the best growth out of your super fund. And the newer portfolio, when we look at the last five years, has averaged about 10.71. So this newer portfolio works out to be cheaper for you, which is good, but it also has seen greater growth over the past. So that over the next five to ten years can definitely put you in a much greater position, which is what we would like to see happening for your super. Okay? I know it is a lot to kinda go through when you're not able to see the documents there, but do you have any questions at the moment at all? I'm so sorry. No. That's okay. The system's telling me the document should be on its way to you. Are you able to just refresh that at all just to sort of see? Oh, beautiful. Sorry about that. Oh, that'll be on the very last page. I'll take you down to that in a second. If you can just pop to page number 20 for me. This is the table where the fees and the the outlining is that I just went through just to kinda give you clarification. Yeah. You can yeah. Just let me know when you can see that page there. Yep. Beautiful. So that fee comparison table shows your current portfolio versus the recommended. It does have your balance there as of the date we've prepared the documents here, and then it's showing that the differences column has the CGT effect. So we do understand and estimate there is always a tax effect for changing buying and selling investments. And in order to swap the investments around within your portfolio, the research showed that we should be about $1,598 for that one. That is in no way, shape, or form has any effect on you personally. It is all dealt with within Super there. Okay? Excellent. And then you've also got the investment fees side of things there, and that sort of shows that at the moment, you are paying just over $1,102 in investment fees. This newer portfolio is much cheaper. So saving on average about 9 oh, sorry. About $777 in investment fees for the year, which is a good thing. We wanna make sure that more money stays invested for you and save on fees where possible. Okay? Excellent. And there's no change to the insurance. It's one of the things we did talk about was the level of cover you have. You didn't wanna review that at the time. So the this is no change to the insurances. However, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well. So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super. We want your super to go up to provide you with income in retirement, not be eaten away by insurance premiums. Excellent. On the bottom of that table there, you'll essentially see you've got your growth as the investor profile, and it shows you the five year rolling average and how things how the portfolios have been assessed or how they have performed over the past five years there. And then underneath that, we do have the projection table. Essentially, you've got your current scenario there, which shows the projected outcome based on your current balance, the current fees, and the current growth that the investor profile of this your current portfolio has received. It's not bad, but it could definitely do better. I think if you're in a growth portfolio, you definitely wanna be making more than 5% every year. And over the next five to ten years, it could show you that bit over a 190,000 in five years or a bit over 226,000 in ten years there. So looking at things, we can definitely improve on that. In the recommended at the bottom there, it sorta shows that if the portfolio can obtain what it has over the past five years, moving forward, in the next five years, it could be sitting at about 252,000 or 373,000 there. Albeit, this is also with the recommendation of increasing your salary sacrifice and adding additional contributions in if you decide to salary sacrifice and adding additional contributions in. If you decide to take on that recommendation down the track, absolutely fine. We can reassess that for you. We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it. The world is very expensive as groceries and fuel alone is insane at the moment. So the cost of living is very high. It's very difficult. Yeah. No. All good. If you can scroll down to page number 22 for me, this is the part that I really like you to be able to see. Don't ever want you to feel like I'm talking at you. So this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there. Yep. Beautiful. So the first column has your Netwealth Super. It's also got the individual investments there. What the column we wanna sort of look at is that buy sell column in the middle that has all the red and green. Essentially, all the red is the amount that we'll be selling, and all the green is what we're gonna be buying there. So, essentially, to give you a bit of a quick breakdown, we'll be retaining some physical gold. We're rebalancing you back. You've got about 5% there currently. We wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that. Selling off all the physical silver isn't really performing that well. It's quite down, so we are removing that from the portfolio currently. The ban along Australian equities has not been performing well this year. It is underperforming heavily, and there's an issue within the investment. So we've decided to remove that out. We don't want you to have any underperforming investments within the fund, So we'll be selling that investment completely down there for you. We've also got the Vanguard diversified index fund. Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit. So we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well. Okay? We've also got the BetaShares cybersecurity. This is giving you exposure to global cybersecurity. We wanna hold about 5%. So at the moment, you're slightly overweighted. So just rebalancing that one and selling a little bit of the investment back for you. Okay? The battery and lithium tech there, the ACDC, we are removing that completely from the portfolio. This is more of a thematic ETF. We're just gonna sell that down. Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well. We've also same thing with the ETF, the MorningStar Global Tech. That one there will be selling down completely. Again, we are still holding tech stocks, but we found a cheaper way to do that without having to hold these thematic ETFs. And it also makes the port it's part of making the portfolio cheaper for you as well. Okay? Excellent. We've got the iShares Europe investment in there. We wanna hold about 8%. You currently have 5% of the investment, so we're just buying a bit more of that. This investment gives you exposure to all 16 European countries, so giving you diversification. And then you've also got the S and P 500. So The US is a good still a good place to be invested, and a lot of people have been a bit unsure about that, but we still see good growth coming out of The US. And this is essentially is giving you exposure to the top 500 companies on The US market there. We wanna hold 30% of this investment. So at the moment, you're a bit underweighted. We're just gonna buy a little bit more to rebalance you back. Okay? We've got the iShares Asia in there. Again, this is more of a themed investment. We are selling that down. We still wanna hold Asia exposure, but we found a much better, cheaper way to do that for you. So selling this investment clear out of the portfolio. And then we've also got the Vanguard Australian fixed interest investment. We still wanna hold defensive investments like cash, bonds, and fixed interest. However, we found a much better way to hold that those defensive assets. So this one's gonna be removed out of that investment portfolio for you as well. To bring you back into sort of rebalance and to buy in, we're going to buy into the Japanese exposure. Japan is a good place to be invested. It has had some great returns, and we wanna hold 5% of this investment. And then because we are removing a lot of different areas, so we've removed the the Morningstar tech, the battery and lithium tech. We've also got rid of the Vanguard diversified index, and the Asia exposure there as well. We still wanna hold exposure into all those areas and diversify across the globe, and that's where the Vanguard or World ex US investment comes into. This is giving you exposure to essentially the entire globe minus The US Of A. We wanna hold 8% of this. One of the biggest ways to, you know, limit market risk as much as possible is to diversify across the globe, and this is where this investment comes in. It gives you exposure to all the different countries and in different areas and also is low cost as well and has provided some really good returns. So sticking 8% in this investment does work really well for your portfolio. That's essentially what we'll be holding there. The that investment also excludes The US Of A, and that's because we do hold the S and P 500. So we don't wanna keep you overexposed into The US market. So that's why that one does exclude The US. Okay? Excellent. And then we're at the bottom two. We've got the beta shares a 200. So we did remove the ban along Australian equities investment that was giving you exposure to the Australian market there. So we do wanna include some Australian exposure. The Vanguard all wells have it's just a very small component of that, so we do wanna hold some more. The BetaShares a 200 gives you exposure to the top 200 companies on the Australian market there. So this is giving you more diversification. This investment has performed much better than Bannelong. It's also cheaper to hold because it's passively managed. One of the biggest things about the Bannelong concentrated equities was that that is more of a an actively managed fund. So the investment manager within that fund was supposed to be outperforming against the market and trying to pick and time the market. They couldn't really do that. They also only held between 15 to 25 different investment options. So removing that and adding in the a 200 is cheaper for your portfolio, gives you more diversification, and has performed better over the longer term as well for you. Okay? Excellent. And then you've got the ITS core composite bond. This is defensive in nature. We still wanna hold some defensive investments. This is giving you exposure to government and as well as corporate bonds. And it's good for income producing. All of these investments except for the physical gold also help to produce income. We want dividends that are paid or income produced out of the portfolio, have that paid into your cash account, and have that reinvested back into your portfolio, and that does assist with compounding long term as well. That is essentially the nutshell on the changes to the portfolio. Do you have any questions in relation to any of that? No. Yeah. That's okay. It is. It absolutely is. You can sort of see why it's good to see that document and look at it as they're going through. We sort of don't wanna kinda wanna make sure that you give you the information, but don't want you to feel like you're being spoken at. It's kind of cool. A lot of these investments have performed really well. Essentially, we just want to make sure things are working harder for you, make some changes. It is really important to update the portfolio every so often, essentially. Investments that you might have had one, two, or even three years ago do need to be updated every so often as they become out of date, don't perform as well. And even the investments we move into now, over the next one, two, or even three years down the track, they very well should be updated as well. So we'll keep reviewing and updating things moving forward. There's also changes to investments that we can also look at to take advantage of down the track there as well. But this is sort of giving you that growth exposure whilst trying to mitigate as much market risk as we possibly can and also making the portfolio a little bit cheaper for you as well to help you save on fees where possible to keep your super working harder for you down the track. Does that make sense? Yeah. Excellent. On the next page is your cash account. Now, realistically, within Netwealth, we don't wanna hold more than 1%. You do have a little bit too much cash there at the moment, so we're also gonna take a nice big chunk of that cash and reinvest that into your portfolio for you as well. When I had a look at things, I sort of noticed that your cash is a little bit too high. You don't really wanna have a lot of money sitting in cash. You want that to be invested in the portfolio working harder for you as well. Okay. Excellent. Essentially, down on page number 25 is the recommendations with regard to the salary sacrifice as I mentioned to have made the recommendation of around $50. I think I said $50 per week before my I do apologize. It's actually 50 per fortnight. That was a oversight on my part. Essentially, if and when you are able to look at doing that, doing it and starting earlier does allow the compounding effect to continue, but it's also gotta be within your comfort level as well. And then things can definitely change there. You are welcome to run your eyes over that section. And if at any point, you know, down the track you decide that you're comfortable reassessing that, please let me know. We can always reassess your comfort level and look at what the conductor do that can do for your super. Salary sacrifice is a great way of incorporating extra money into super just because it is a pretax deduction, so it document is on page number 38 39. There'll be a multiline box there, essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board. We just get you to make a little note in that just with any changes that you wanna make. And if you are just happy to proceed with the the investment switch to see how your portfolio is working, we'll get you to sign and return the document back. And as you kinda mentioned, you're not really comfortable salary sacrificing at the moment. You could just make a little note in there to say, do wish to do not do not wish to salary sacrifice or don't proceed with salary sacrifice recommendation. And we'll look at that prior to starting any of the process and make sure that we adhere to that for you as well. Okay? Yep. Beautiful. The only other things that we've got in there is just making sure that you do have a will, power of attorney, and any estate planning documents done up as well. Those are obviously quite important to do to protect everything you've got, so we do add those recommendations in there for you as well. Okay. Yeah. All good. Do you happen to have any questions at the moment at all? Or no. That's okay. Depending on how I know. I know. Definitely. What I would like to do with you there, Bethelia, is make sure that we do touch base maybe in about sort of three to six months depending on your comfort level just to see how things are going once the implementation process has gone through just so we can keep track of what's happening with your super, and look at whether any new changes need to be updated. Would you prefer three or six months? What's more comfortable for you? Yeah. Yeah. Absolutely. Not a problem at all. We'll do six months there for you. So my team will give you a call prior to that, and that will just touch base, book you in with me. We'll have a little chat about what's happening, see if there's any new advice to provide there for you, and also just run through what's happening with the portfolio just to keep track of everything in a little bit more detail, make sure things are working a bit harder for you. How does that sound? Yep. Beautiful. Fantastic. Depending on how much you enjoy reading, we do also have attached the product disclosure statements, you know, and any additional research material with regards to the advice document. And we've also attached the ongoing service agreement there as well, so that is due to be renewed. It just allows us to continue providing our services, providing advice, and updating things for you. And you do pay an ongoing service fee of 1.65% there on a yearly basis, which is deducted out of super on a monthly basis in smaller monthly increments there. Do you have any questions about that at all? No. Yep. That's okay. Not a problem at all. I don't wanna take up too much more of your time because I know you're extremely busy, but I do appreciate you taking my call. Is there anything that's come to mind question wise or anything you might need from me at the moment? Or no. That's okay. All good. Well, I will let you go. You're welcome to review the document once you're happy to take on board any of the recommendations. So just ask your son and return it back, and just leave that little note on that last page there with regard to the salary sacrifice if you choose not to take that on board, which is absolutely fine. I will definitely be making sure we catch up in six months to see how things are tracking there for you. But if you do find you have any questions at any point, in my world, there's no such thing as a silly question. If there's something that you need help with or, you know, wanted to ask us, you're more than welcome to let me know. And I can just research it, look at it, or have a chat to you about it, whatever you need. And I'll definitely look forward to catching up with you and seeing how things are working and and getting your super back on track for you as well. Okay. Thank you. My pleasure. You have a lovely afternoon. Thank you for taking my call. Thanks, Ophelia. You too. Have a see you later. 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Bethelia. This is Dana from OZ Financial. How are you this afternoon? That's good. I had people looking to go through your updated statement of advice with regard to your super.\n\nIs now still a good time there for you? Yep. Fantastic. Before we could jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file. Fantastic. Thank you so much. Bethelia, we do normally send through to review.\n\nMy system's a little bit slow and not working at the moment. Are you okay if I start by going through the advice with you and then I can send them through when they're when when it's working properly for me. Is that okay? Or did you want me to sort of hold off until you can see the document? What sort of preferred more for yourself?\n\nYeah. That's okay. All good. Well, I'll start by going through. As soon as my system is up running, I've got the IT man here sort of helping me at the moment.\n\nAs soon as that is ready to go, I'll get it sent off to you, and I'll let you know when you can check your emails there. Apologies about that. Love technology when it wants to work for us. All all good. Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation.\n\nSo when we sort of did your last annual review, we were looking at maybe updating things. I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you. But we also talked about, essentially, your goal. Back then, you were wanting to access super around about the age of 70. Is that still feeling fairly appropriate goal wise for yourself, or do you think there may have been some changes since then?\n\nNo. That's okay. Well, I'll tell you what. We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier. That way, you hopefully don't have to work as long as you think you do.\n\nHow does that sound? Lovely. Fantastic. Now the other thing that we did talk about was essentially looking at ways to boost your salary to boost your super sorry. So looking at salary sacrifice is an option there.\n\nWhen we spoke last time, you were comfortable with starting with a smaller amount looking at what that can do and then kinda reviewing and building up down that on that down the track as well. Does that still feel fairly appropriate for you? You're not not gonna be able to salary sacrifice anything in there? No. That's okay.\n\nWell, essentially, with with the advice, I had initially recommended that you did start salary sacrificing about $50 per week into the super fund just to kind of build on that. Essentially, that because realistically with your super and with your age and where you are to kinda help it to make it work a little bit harder, Providing that bit of extra boost is really important down the track. But if you can't now, once you've gone through the advice document, on the very last page, we do just have a little, like, a multiline box. So if you're not wanting to proceed with the salary sacrifice for the time being, we'll just get you to pop that in there for us. Okay?\n\nExcellent. Now just to kind of run you to the recommendation, so I did have a bit of a look at your net wealth as well as all the other super funds out there to sort of see whether this was still appropriate for you and how we could readjust your portfolio for you so that you things were working a bit harder for you. I have made a recommendation there to retain net wealth. Essentially, one of the things I do look at when we are adjusting the portfolios is your I'm not sure if I went through with you, but your super fund, just like you, does a tax return every year. Your super pays income tax and capital gains tax as well.\n\nSo, essentially, what we do wanna look at is capital gains consequences when we do change or, you know, ultra investment portfolios, essentially. If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there. So we wanted to try and limit that as much as possible. So retaining Netwealth was more appropriate to limit that cost on your super fund, and then essentially switch the investments within that for you. With the recommendation and I believe the email should have been sent.\n\nOh, it's on its way to you. Sorry. Hopefully, it comes through very, very shortly. If you can let me know when it does, but it looks like it is sending through to you now. But, essentially, with the super, as I kinda mentioned, just retaining Netwealth as it is, but adjusting the portfolio within there.\n\nI have had a look at ways to adjust the portfolio, so it is working harder for you. And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good. A few less fees to consider and more money sitting in your super working harder for you. The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598. So I wasn't able to reduce it any further than that.\n\nBut, essentially, when I looked at what the portfolio was doing and the fees for switching investments around, we look at what the savings are and how long it is to make those to make the CGT consequences back. So, realistically, the investment savings there essentially would cover the cost of the the CGT within about two years without any additional growth there. So it does work in your benefit. Okay? Beautiful.\n\nEssentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there. Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you. When we sort of touched base and did the the risk profiling as well, we also talked about remaining in that growth portfolio. Do you remember kinda going to that risk profile, talking about the eighty twenty status split with regard to the growth in defensive assets? Do you remember how that works?\n\nYeah. That's okay. Did you want me to talk you through that? No. That's okay.\n\nSo with that growth environment, you see about 80% of the super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in low risk defensive investments there. So thinking things like a a fixed interest, cash, and bonds. Essentially, being in that kind of environment, it suits somebody who has about six years before they're wanting to access their super debts. You do have that time horizon ahead of you, which is good.\n\nWe would agree to sort of stay in that growth environment there. So I have done so, and I've looked at making some changes to kinda get the best growth out of your super fund. And the newer portfolio, when we look at the last five years, has averaged about 10.71. So this newer portfolio works out to be cheaper for you, which is good, but it also has seen greater growth over the past. So that over the next five to ten years can definitely put you in a much greater position, which is what we would like to see happening for your super.\n\nOkay? I know it is a lot to kinda go through when you're not able to see the documents there, but do you have any questions at the moment at all? I'm so sorry. No. That's okay.\n\nThe system's telling me the document should be on its way to you. Are you able to just refresh that at all just to sort of see? Oh, beautiful. Sorry about that. Oh, that'll be on the very last page.\n\nI'll take you down to that in a second. If you can just pop to page number 20 for me. This is the table where the fees and the the outlining is that I just went through just to kinda give you clarification. Yeah. You can yeah.\n\nJust let me know when you can see that page there. Yep. Beautiful. So that fee comparison table shows your current portfolio versus the recommended. It does have your balance there as of the date we've prepared the documents here, and then it's showing that the differences column has the CGT effect.\n\nSo we do understand and estimate there is always a tax effect for changing buying and selling investments. And in order to swap the investments around within your portfolio, the research showed that we should be about $1,598 for that one. That is in no way, shape, or form has any effect on you personally. It is all dealt with within Super there. Okay?\n\nExcellent. And then you've also got the investment fees side of things there, and that sort of shows that at the moment, you are paying just over $1,102 in investment fees. This newer portfolio is much cheaper. So saving on average about 9 oh, sorry. About $777 in investment fees for the year, which is a good thing.\n\nWe wanna make sure that more money stays invested for you and save on fees where possible. Okay? Excellent. And there's no change to the insurance. It's one of the things we did talk about was the level of cover you have.\n\nYou didn't wanna review that at the time. So the this is no change to the insurances. However, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well. So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super. We want your super to go up to provide you with income in retirement, not be eaten away by insurance premiums.\n\nExcellent. On the bottom of that table there, you'll essentially see you've got your growth as the investor profile, and it shows you the five year rolling average and how things how the portfolios have been assessed or how they have performed over the past five years there. And then underneath that, we do have the projection table. Essentially, you've got your current scenario there, which shows the projected outcome based on your current balance, the current fees, and the current growth that the investor profile of this your current portfolio has received. It's not bad, but it could definitely do better.\n\nI think if you're in a growth portfolio, you definitely wanna be making more than 5% every year. And over the next five to ten years, it could show you that bit over a 190,000 in five years or a bit over 226,000 in ten years there. So looking at things, we can definitely improve on that. In the recommended at the bottom there, it sorta shows that if the portfolio can obtain what it has over the past five years, moving forward, in the next five years, it could be sitting at about 252,000 or 373,000 there. Albeit, this is also with the recommendation of increasing your salary sacrifice and adding additional contributions in if you decide to salary sacrifice and adding additional contributions in.\n\nIf you decide to take on that recommendation down the track, absolutely fine. We can reassess that for you. We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it. The world is very expensive as groceries and fuel alone is insane at the moment. So the cost of living is very high.\n\nIt's very difficult. Yeah. No. All good. If you can scroll down to page number 22 for me, this is the part that I really like you to be able to see.\n\nDon't ever want you to feel like I'm talking at you. So this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there. Yep. Beautiful. So the first column has your Netwealth Super.\n\nIt's also got the individual investments there. What the column we wanna sort of look at is that buy sell column in the middle that has all the red and green. Essentially, all the red is the amount that we'll be selling, and all the green is what we're gonna be buying there. So, essentially, to give you a bit of a quick breakdown, we'll be retaining some physical gold. We're rebalancing you back.\n\nYou've got about 5% there currently. We wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that. Selling off all the physical silver isn't really performing that well. It's quite down, so we are removing that from the portfolio currently. The ban along Australian equities has not been performing well this year.\n\nIt is underperforming heavily, and there's an issue within the investment. So we've decided to remove that out. We don't want you to have any underperforming investments within the fund, So we'll be selling that investment completely down there for you. We've also got the Vanguard diversified index fund. Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit.\n\nSo we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well. Okay? We've also got the BetaShares cybersecurity. This is giving you exposure to global cybersecurity. We wanna hold about 5%.\n\nSo at the moment, you're slightly overweighted. So just rebalancing that one and selling a little bit of the investment back for you. Okay? The battery and lithium tech there, the ACDC, we are removing that completely from the portfolio. This is more of a thematic ETF.\n\nWe're just gonna sell that down. Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well. We've also same thing with the ETF, the MorningStar Global Tech. That one there will be selling down completely. Again, we are still holding tech stocks, but we found a cheaper way to do that without having to hold these thematic ETFs.\n\nAnd it also makes the port it's part of making the portfolio cheaper for you as well. Okay? Excellent. We've got the iShares Europe investment in there. We wanna hold about 8%.\n\nYou currently have 5% of the investment, so we're just buying a bit more of that. This investment gives you exposure to all 16 European countries, so giving you diversification. And then you've also got the S and P 500. So The US is a good still a good place to be invested, and a lot of people have been a bit unsure about that, but we still see good growth coming out of The US. And this is essentially is giving you exposure to the top 500 companies on The US market there.\n\nWe wanna hold 30% of this investment. So at the moment, you're a bit underweighted. We're just gonna buy a little bit more to rebalance you back. Okay? We've got the iShares Asia in there.\n\nAgain, this is more of a themed investment. We are selling that down. We still wanna hold Asia exposure, but we found a much better, cheaper way to do that for you. So selling this investment clear out of the portfolio. And then we've also got the Vanguard Australian fixed interest investment.\n\nWe still wanna hold defensive investments like cash, bonds, and fixed interest. However, we found a much better way to hold that those defensive assets. So this one's gonna be removed out of that investment portfolio for you as well. To bring you back into sort of rebalance and to buy in, we're going to buy into the Japanese exposure. Japan is a good place to be invested.\n\nIt has had some great returns, and we wanna hold 5% of this investment. And then because we are removing a lot of different areas, so we've removed the the Morningstar tech, the battery and lithium tech. We've also got rid of the Vanguard diversified index, and the Asia exposure there as well. We still wanna hold exposure into all those areas and diversify across the globe, and that's where the Vanguard or World ex US investment comes into. This is giving you exposure to essentially the entire globe minus The US Of A.\n\nWe wanna hold 8% of this. One of the biggest ways to, you know, limit market risk as much as possible is to diversify across the globe, and this is where this investment comes in. It gives you exposure to all the different countries and in different areas and also is low cost as well and has provided some really good returns. So sticking 8% in this investment does work really well for your portfolio. That's essentially what we'll be holding there.\n\nThe that investment also excludes The US Of A, and that's because we do hold the S and P 500. So we don't wanna keep you overexposed into The US market. So that's why that one does exclude The US. Okay? Excellent.\n\nAnd then we're at the bottom two. We've got the beta shares a 200. So we did remove the ban along Australian equities investment that was giving you exposure to the Australian market there. So we do wanna include some Australian exposure. The Vanguard all wells have it's just a very small component of that, so we do wanna hold some more.\n\nThe BetaShares a 200 gives you exposure to the top 200 companies on the Australian market there. So this is giving you more diversification. This investment has performed much better than Bannelong. It's also cheaper to hold because it's passively managed. One of the biggest things about the Bannelong concentrated equities was that that is more of a an actively managed fund.\n\nSo the investment manager within that fund was supposed to be outperforming against the market and trying to pick and time the market. They couldn't really do that. They also only held between 15 to 25 different investment options. So removing that and adding in the a 200 is cheaper for your portfolio, gives you more diversification, and has performed better over the longer term as well for you. Okay?\n\nExcellent. And then you've got the ITS core composite bond. This is defensive in nature. We still wanna hold some defensive investments. This is giving you exposure to government and as well as corporate bonds.\n\nAnd it's good for income producing. All of these investments except for the physical gold also help to produce income. We want dividends that are paid or income produced out of the portfolio, have that paid into your cash account, and have that reinvested back into your portfolio, and that does assist with compounding long term as well. That is essentially the nutshell on the changes to the portfolio. Do you have any questions in relation to any of that?\n\nNo. Yeah. That's okay. It is. It absolutely is.\n\nYou can sort of see why it's good to see that document and look at it as they're going through. We sort of don't wanna kinda wanna make sure that you give you the information, but don't want you to feel like you're being spoken at. It's kind of cool. A lot of these investments have performed really well. Essentially, we just want to make sure things are working harder for you, make some changes.\n\nIt is really important to update the portfolio every so often, essentially. Investments that you might have had one, two, or even three years ago do need to be updated every so often as they become out of date, don't perform as well. And even the investments we move into now, over the next one, two, or even three years down the track, they very well should be updated as well. So we'll keep reviewing and updating things moving forward. There's also changes to investments that we can also look at to take advantage of down the track there as well.\n\nBut this is sort of giving you that growth exposure whilst trying to mitigate as much market risk as we possibly can and also making the portfolio a little bit cheaper for you as well to help you save on fees where possible to keep your super working harder for you down the track. Does that make sense? Yeah. Excellent. On the next page is your cash account.\n\nNow, realistically, within Netwealth, we don't wanna hold more than 1%. You do have a little bit too much cash there at the moment, so we're also gonna take a nice big chunk of that cash and reinvest that into your portfolio for you as well. When I had a look at things, I sort of noticed that your cash is a little bit too high. You don't really wanna have a lot of money sitting in cash. You want that to be invested in the portfolio working harder for you as well.\n\nOkay. Excellent. Essentially, down on page number 25 is the recommendations with regard to the salary sacrifice as I mentioned to have made the recommendation of around $50. I think I said $50 per week before my I do apologize. It's actually 50 per fortnight.\n\nThat was a oversight on my part. Essentially, if and when you are able to look at doing that, doing it and starting earlier does allow the compounding effect to continue, but it's also gotta be within your comfort level as well. And then things can definitely change there. You are welcome to run your eyes over that section. And if at any point, you know, down the track you decide that you're comfortable reassessing that, please let me know.\n\nWe can always reassess your comfort level and look at what the conductor do that can do for your super. Salary sacrifice is a great way of incorporating extra money into super just because it is a pretax deduction, so it document is on page number 38 39. There'll be a multiline box there, essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board. We just get you to make a little note in that just with any changes that you wanna make. And if you are just happy to proceed with the the investment switch to see how your portfolio is working, we'll get you to sign and return the document back.\n\nAnd as you kinda mentioned, you're not really comfortable salary sacrificing at the moment. You could just make a little note in there to say, do wish to do not do not wish to salary sacrifice or don't proceed with salary sacrifice recommendation. And we'll look at that prior to starting any of the process and make sure that we adhere to that for you as well. Okay? Yep.\n\nBeautiful. The only other things that we've got in there is just making sure that you do have a will, power of attorney, and any estate planning documents done up as well. Those are obviously quite important to do to protect everything you've got, so we do add those recommendations in there for you as well. Okay. Yeah.\n\nAll good. Do you happen to have any questions at the moment at all? Or no. That's okay. Depending on how I know.\n\nI know. Definitely. What I would like to do with you there, Bethelia, is make sure that we do touch base maybe in about sort of three to six months depending on your comfort level just to see how things are going once the implementation process has gone through just so we can keep track of what's happening with your super, and look at whether any new changes need to be updated. Would you prefer three or six months? What's more comfortable for you?\n\nYeah. Yeah. Absolutely. Not a problem at all. We'll do six months there for you.\n\nSo my team will give you a call prior to that, and that will just touch base, book you in with me. We'll have a little chat about what's happening, see if there's any new advice to provide there for you, and also just run through what's happening with the portfolio just to keep track of everything in a little bit more detail, make sure things are working a bit harder for you. How does that sound? Yep. Beautiful.\n\nFantastic. Depending on how much you enjoy reading, we do also have attached the product disclosure statements, you know, and any additional research material with regards to the advice document. And we've also attached the ongoing service agreement there as well, so that is due to be renewed. It just allows us to continue providing our services, providing advice, and updating things for you. And you do pay an ongoing service fee of 1.65% there on a yearly basis, which is deducted out of super on a monthly basis in smaller monthly increments there.\n\nDo you have any questions about that at all? No. Yep. That's okay. Not a problem at all.\n\nI don't wanna take up too much more of your time because I know you're extremely busy, but I do appreciate you taking my call. Is there anything that's come to mind question wise or anything you might need from me at the moment? Or no. That's okay. All good.\n\nWell, I will let you go. You're welcome to review the document once you're happy to take on board any of the recommendations. So just ask your son and return it back, and just leave that little note on that last page there with regard to the salary sacrifice if you choose not to take that on board, which is absolutely fine. I will definitely be making sure we catch up in six months to see how things are tracking there for you. But if you do find you have any questions at any point, in my world, there's no such thing as a silly question.\n\nIf there's something that you need help with or, you know, wanted to ask us, you're more than welcome to let me know. And I can just research it, look at it, or have a chat to you about it, whatever you need. And I'll definitely look forward to catching up with you and seeing how things are working and and getting your super back on track for you as well. Okay. Thank you.\n\nMy pleasure. You have a lovely afternoon. Thank you for taking my call. Thanks, Ophelia. You too.\n\nHave a see you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Bethelia.","start":2.8799999,"end":3.84,"sentiment":"neutral","sentiment_score":0.10902566090226173},{"text":"This is Dana from OZ Financial.","start":3.84,"end":5.54,"sentiment":"neutral","sentiment_score":0.1504429578781128},{"text":"How are you this afternoon?","start":5.68,"end":6.98,"sentiment":"neutral","sentiment_score":0.1973096787929535},{"text":"That's good.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6534499526023865},{"text":"I had people looking to go through your updated statement of advice with regard to your super.","start":9.5199995,"end":13.28,"sentiment":"neutral","sentiment_score":0.27841389792806964}],"sentiment":"neutral","sentiment_score":0.25459980103187263,"num_words":32,"start":2.8799999,"end":13.28},{"sentences":[{"text":"Is now still a good time there for you?","start":13.28,"end":15.315,"sentiment":"neutral","sentiment_score":0.24507170584466723},{"text":"Yep.","start":17.234999,"end":17.715,"sentiment":"neutral","sentiment_score":0.302287220954895},{"text":"Fantastic.","start":17.715,"end":18.215,"sentiment":"positive","sentiment_score":0.5679035186767578},{"text":"Before we could jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":18.835,"end":23.234999,"sentiment":"neutral","sentiment_score":0.19397968934340912},{"text":"Are you happy for me to proceed with that?","start":23.234999,"end":25.255,"sentiment":"neutral","sentiment_score":0.20842185450924766}],"sentiment":"neutral","sentiment_score":0.21950442734218778,"num_words":42,"start":13.28,"end":25.255},{"sentences":[{"text":"Fantastic.","start":26.835,"end":27.335,"sentiment":"positive","sentiment_score":0.33491480350494385},{"text":"And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file.","start":27.474998,"end":33.69,"sentiment":"neutral","sentiment_score":0.2018771592913003},{"text":"Fantastic.","start":41.43,"end":41.93,"sentiment":"positive","sentiment_score":0.5729627013206482},{"text":"Thank you so much.","start":42.23,"end":43.37,"sentiment":"positive","sentiment_score":0.5763360857963562},{"text":"Bethelia, we do normally send through to review.","start":43.43,"end":47.265,"sentiment":"neutral","sentiment_score":0.025696302764117718}],"sentiment":"neutral","sentiment_score":0.2156565090598062,"num_words":43,"start":26.835,"end":47.265},{"sentences":[{"text":"My system's a little bit slow and not working at the moment.","start":47.805,"end":51.185,"sentiment":"neutral","sentiment_score":-0.19092569748560587},{"text":"Are you okay if I start by going through the advice with you and then I can send them through when they're when when it's working properly for me.","start":51.645,"end":59.59,"sentiment":"neutral","sentiment_score":-0.0008550509810447694},{"text":"Is that okay?","start":59.59,"end":60.309998,"sentiment":"neutral","sentiment_score":0.010077095900972685},{"text":"Or did you want me to sort of hold off until you can see the document?","start":60.309998,"end":63.51,"sentiment":"neutral","sentiment_score":-0.056691935285925865},{"text":"What sort of preferred more for yourself?","start":63.51,"end":65.45,"sentiment":"neutral","sentiment_score":-0.04966455724622522}],"sentiment":"neutral","sentiment_score":-0.05284173769959763,"num_words":67,"start":47.805,"end":65.45},{"sentences":[{"text":"Yeah.","start":68.79,"end":69.19,"sentiment":"neutral","sentiment_score":0.07193031907081604},{"text":"That's okay.","start":69.19,"end":70.09,"sentiment":"neutral","sentiment_score":0.10895148664712906},{"text":"All good.","start":70.15,"end":70.549995,"sentiment":"neutral","sentiment_score":0.19965513795614243},{"text":"Well, I'll start by going through.","start":70.549995,"end":72.07,"sentiment":"neutral","sentiment_score":0.027888077932099502},{"text":"As soon as my system is up running, I've got the IT man here sort of helping me at the moment.","start":72.07,"end":76.305,"sentiment":"neutral","sentiment_score":0.01416563471069648}],"sentiment":"neutral","sentiment_score":0.03606094889983069,"num_words":32,"start":68.79,"end":76.305},{"sentences":[{"text":"As soon as that is ready to go, I'll get it sent off to you, and I'll let you know when you can check your emails there.","start":76.365,"end":82.525,"sentiment":"neutral","sentiment_score":0.026005996943072037},{"text":"Apologies about that.","start":82.525,"end":83.645004,"sentiment":"neutral","sentiment_score":-0.14684366683165231},{"text":"Love technology when it wants to work for us.","start":83.645004,"end":86.065,"sentiment":"neutral","sentiment_score":-0.012859476316306327},{"text":"All all good.","start":87.68,"end":89.14,"sentiment":"neutral","sentiment_score":0.2347035457690557},{"text":"Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation.","start":89.68,"end":95.7,"sentiment":"neutral","sentiment_score":0.04855596685880109}],"sentiment":"neutral","sentiment_score":0.02905851865156752,"num_words":61,"start":76.365,"end":95.7},{"sentences":[{"text":"So when we sort of did your last annual review, we were looking at maybe updating things.","start":96.08,"end":99.92,"sentiment":"neutral","sentiment_score":0.03958225447465392},{"text":"I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you.","start":100.16,"end":106.035,"sentiment":"neutral","sentiment_score":0.0552575416289843},{"text":"But we also talked about, essentially, your goal.","start":106.495,"end":109.475,"sentiment":"neutral","sentiment_score":0.056678393855690956},{"text":"Back then, you were wanting to access super around about the age of 70.","start":109.695,"end":113.795,"sentiment":"neutral","sentiment_score":0.031680173839309385},{"text":"Is that still feeling fairly appropriate goal wise for yourself, or do you think there may have been some changes since then?","start":113.855,"end":119.71,"sentiment":"neutral","sentiment_score":0.14291462759402665}],"sentiment":"neutral","sentiment_score":0.07069730804697878,"num_words":87,"start":96.08,"end":119.71},{"sentences":[{"text":"No.","start":126.565,"end":126.805,"sentiment":"neutral","sentiment_score":-0.13743866980075836},{"text":"That's okay.","start":126.805,"end":127.604996,"sentiment":"neutral","sentiment_score":-0.04576137848198414},{"text":"Well, I'll tell you what.","start":127.604996,"end":128.405,"sentiment":"neutral","sentiment_score":0.1471848040819168},{"text":"We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier.","start":128.405,"end":134.725,"sentiment":"neutral","sentiment_score":0.21885834605647966},{"text":"That way, you hopefully don't have to work as long as you think you do.","start":134.725,"end":137.605,"sentiment":"neutral","sentiment_score":0.2768487920363744}],"sentiment":"neutral","sentiment_score":0.21122472391140704,"num_words":49,"start":126.565,"end":137.605},{"sentences":[{"text":"How does that sound?","start":137.605,"end":138.745,"sentiment":"neutral","sentiment_score":0.2752305120229721},{"text":"Lovely.","start":140.81999,"end":141.31999,"sentiment":"positive","sentiment_score":0.7278313636779785},{"text":"Fantastic.","start":141.45999,"end":141.95999,"sentiment":"positive","sentiment_score":0.7518585920333862},{"text":"Now the other thing that we did talk about was essentially looking at ways to boost your salary to boost your super sorry.","start":142.73999,"end":148.5,"sentiment":"neutral","sentiment_score":0.18036418343367783},{"text":"So looking at salary sacrifice is an option there.","start":148.5,"end":151.215,"sentiment":"neutral","sentiment_score":0.09711205793751611}],"sentiment":"neutral","sentiment_score":0.2000788616898813,"num_words":38,"start":137.605,"end":151.215},{"sentences":[{"text":"When we spoke last time, you were comfortable with starting with a smaller amount looking at what that can do and then kinda reviewing and building up down that on that down the track as well.","start":151.69499,"end":160.735,"sentiment":"neutral","sentiment_score":0.1999879963696003},{"text":"Does that still feel fairly appropriate for you?","start":160.735,"end":163.47,"sentiment":"neutral","sentiment_score":0.14768760185688734},{"text":"You're not not gonna be able to salary sacrifice anything in there?","start":167.47,"end":171.17,"sentiment":"neutral","sentiment_score":-0.22848446170488992},{"text":"No.","start":172.67,"end":172.91,"sentiment":"neutral","sentiment_score":-0.0917247012257576},{"text":"That's okay.","start":172.91,"end":173.73,"sentiment":"neutral","sentiment_score":-0.043418554589152336}],"sentiment":"neutral","sentiment_score":0.0925541242931859,"num_words":59,"start":151.69499,"end":173.73},{"sentences":[{"text":"Well, essentially, with with the advice, I had initially recommended that you did start salary sacrificing about $50 per week into the super fund just to kind of build on that.","start":174.19,"end":183.83499,"sentiment":"neutral","sentiment_score":0.04643722106852839},{"text":"Essentially, that because realistically with your super and with your age and where you are to kinda help it to make it work a little bit harder, Providing that bit of extra boost is really important down the track.","start":184.375,"end":194.72,"sentiment":"neutral","sentiment_score":0.1064500548900702},{"text":"But if you can't now, once you've gone through the advice document, on the very last page, we do just have a little, like, a multiline box.","start":194.72,"end":202.18,"sentiment":"neutral","sentiment_score":0.06810629843837684},{"text":"So if you're not wanting to proceed with the salary sacrifice for the time being, we'll just get you to pop that in there for us.","start":202.23999,"end":207.43501,"sentiment":"neutral","sentiment_score":0.037610335991932795},{"text":"Okay?","start":207.43501,"end":207.93501,"sentiment":"neutral","sentiment_score":0.07640093564987183}],"sentiment":"neutral","sentiment_score":0.0684213364767211,"num_words":124,"start":174.19,"end":207.93501},{"sentences":[{"text":"Excellent.","start":209.27501,"end":209.77501,"sentiment":"positive","sentiment_score":0.4682365655899048},{"text":"Now just to kind of run you to the recommendation, so I did have a bit of a look at your net wealth as well as all the other super funds out there to sort of see whether this was still appropriate for you and how we could readjust your portfolio for you so that you things were working a bit harder for you.","start":210.71501,"end":224.78,"sentiment":"neutral","sentiment_score":0.17268542473902926},{"text":"I have made a recommendation there to retain net wealth.","start":225.16,"end":229.02,"sentiment":"neutral","sentiment_score":0.16226347386837006},{"text":"Essentially, one of the things I do look at when we are adjusting the portfolios is your I'm not sure if I went through with you, but your super fund, just like you, does a tax return every year.","start":229.48001,"end":238.275,"sentiment":"neutral","sentiment_score":0.11729627465590453},{"text":"Your super pays income tax and capital gains tax as well.","start":238.355,"end":241.89499,"sentiment":"neutral","sentiment_score":0.11612357334657149}],"sentiment":"neutral","sentiment_score":0.15195722004771234,"num_words":125,"start":209.27501,"end":241.89499},{"sentences":[{"text":"So, essentially, what we do wanna look at is capital gains consequences when we do change or, you know, ultra investment portfolios, essentially.","start":242.435,"end":251.17499,"sentiment":"neutral","sentiment_score":0.08252635808742564},{"text":"If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there.","start":251.82,"end":262.62,"sentiment":"neutral","sentiment_score":0.02687432012847952},{"text":"So we wanted to try and limit that as much as possible.","start":262.62,"end":265.28,"sentiment":"neutral","sentiment_score":0.1426298525184393},{"text":"So retaining Netwealth was more appropriate to limit that cost on your super fund, and then essentially switch the investments within that for you.","start":265.595,"end":274.575,"sentiment":"positive","sentiment_score":0.3478272408246994},{"text":"With the recommendation and I believe the email should have been sent.","start":275.035,"end":278.89502,"sentiment":"neutral","sentiment_score":0.2373892441391945}],"sentiment":"neutral","sentiment_score":0.14630128722637892,"num_words":108,"start":242.435,"end":278.89502},{"sentences":[{"text":"Oh, it's on its way to you.","start":279.18,"end":280.46,"sentiment":"neutral","sentiment_score":0.19304493495396205},{"text":"Sorry.","start":280.46,"end":280.7,"sentiment":"neutral","sentiment_score":0.019204527139663696},{"text":"Hopefully, it comes through very, very shortly.","start":280.7,"end":282.62,"sentiment":"neutral","sentiment_score":0.14550616698605673},{"text":"If you can let me know when it does, but it looks like it is sending through to you now.","start":282.62,"end":286.72,"sentiment":"neutral","sentiment_score":0.1115360364317894},{"text":"But, essentially, with the super, as I kinda mentioned, just retaining Netwealth as it is, but adjusting the portfolio within there.","start":287.5,"end":293.625,"sentiment":"neutral","sentiment_score":0.1266012732826528}],"sentiment":"neutral","sentiment_score":0.12997160193377308,"num_words":56,"start":279.18,"end":293.625},{"sentences":[{"text":"I have had a look at ways to adjust the portfolio, so it is working harder for you.","start":294.105,"end":298.365,"sentiment":"neutral","sentiment_score":0.16195787572198445},{"text":"And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good.","start":298.585,"end":307.38,"sentiment":"positive","sentiment_score":0.38324945100716185},{"text":"A few less fees to consider and more money sitting in your super working harder for you.","start":307.86002,"end":313.32,"sentiment":"positive","sentiment_score":0.3633530236342374},{"text":"The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598.","start":314.34,"end":324.635,"sentiment":"positive","sentiment_score":0.4449573042600051},{"text":"So I wasn't able to reduce it any further than that.","start":324.635,"end":327.29498,"sentiment":"neutral","sentiment_score":0.28776543790643866}],"sentiment":"positive","sentiment_score":0.3425017072982395,"num_words":97,"start":294.105,"end":327.29498},{"sentences":[{"text":"But, essentially, when I looked at what the portfolio was doing and the fees for switching investments around, we look at what the savings are and how long it is to make those to make the CGT consequences back.","start":327.51498,"end":339.32,"sentiment":"neutral","sentiment_score":0.21988939837767527},{"text":"So, realistically, the investment savings there essentially would cover the cost of the the CGT within about two years without any additional growth there.","start":339.32,"end":349.725,"sentiment":"neutral","sentiment_score":0.2449693096180757},{"text":"So it does work in your benefit.","start":349.725,"end":351.345,"sentiment":"neutral","sentiment_score":0.28624313856874195},{"text":"Okay?","start":351.645,"end":352.145,"sentiment":"neutral","sentiment_score":0.22069227695465088},{"text":"Beautiful.","start":353.885,"end":354.385,"sentiment":"positive","sentiment_score":0.6270239353179932}],"sentiment":"neutral","sentiment_score":0.24036622430301374,"num_words":72,"start":327.51498,"end":354.385},{"sentences":[{"text":"Essentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there.","start":356.125,"end":367.32,"sentiment":"neutral","sentiment_score":0.10282388922611349},{"text":"Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you.","start":367.78,"end":376.44,"sentiment":"neutral","sentiment_score":-0.08629934832050994},{"text":"When we sort of touched base and did the the risk profiling as well, we also talked about remaining in that growth portfolio.","start":377.01498,"end":383.35498,"sentiment":"neutral","sentiment_score":0.00355284175147181},{"text":"Do you remember kinda going to that risk profile, talking about the eighty twenty status split with regard to the growth in defensive assets?","start":383.81497,"end":390.85498,"sentiment":"neutral","sentiment_score":0.010825788912673792},{"text":"Do you remember how that works?","start":390.85498,"end":392.31497,"sentiment":"neutral","sentiment_score":0.02027524635195732}],"sentiment":"neutral","sentiment_score":0.009198575586196966,"num_words":128,"start":356.125,"end":392.31497},{"sentences":[{"text":"Yeah.","start":394.99,"end":395.22998,"sentiment":"neutral","sentiment_score":0.05210752412676811},{"text":"That's okay.","start":395.22998,"end":395.87,"sentiment":"neutral","sentiment_score":0.07874350249767303},{"text":"Did you want me to talk you through that?","start":395.87,"end":397.88998,"sentiment":"neutral","sentiment_score":0.028573838890426688},{"text":"No.","start":402.27,"end":402.59,"sentiment":"neutral","sentiment_score":0.061928339302539825},{"text":"That's okay.","start":402.59,"end":403.38998,"sentiment":"neutral","sentiment_score":0.10471228510141373}],"sentiment":"neutral","sentiment_score":0.04920746590942145,"num_words":15,"start":394.99,"end":403.38998},{"sentences":[{"text":"So with that growth environment, you see about 80% of the super invested in growth assets.","start":403.38998,"end":408.475,"sentiment":"neutral","sentiment_score":0.13975938316434622},{"text":"So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in low risk defensive investments there.","start":408.475,"end":418.55502,"sentiment":"neutral","sentiment_score":0.11538342566325746},{"text":"So thinking things like a a fixed interest, cash, and bonds.","start":418.55502,"end":421.935,"sentiment":"neutral","sentiment_score":0.10098709640177814},{"text":"Essentially, being in that kind of environment, it suits somebody who has about six years before they're wanting to access their super debts.","start":423.27002,"end":429.59,"sentiment":"neutral","sentiment_score":0.13204253788875497},{"text":"You do have that time horizon ahead of you, which is good.","start":429.59,"end":432.41,"sentiment":"neutral","sentiment_score":0.21434317405025163}],"sentiment":"neutral","sentiment_score":0.13518927467393352,"num_words":91,"start":403.38998,"end":432.41},{"sentences":[{"text":"We would agree to sort of stay in that growth environment there.","start":433.35,"end":436.15,"sentiment":"neutral","sentiment_score":0.14402639803787073},{"text":"So I have done so, and I've looked at making some changes to kinda get the best growth out of your super fund.","start":436.15,"end":441.815,"sentiment":"neutral","sentiment_score":0.21905073977035025},{"text":"And the newer portfolio, when we look at the last five years, has averaged about 10.71.","start":442.035,"end":447.155,"sentiment":"neutral","sentiment_score":0.20819592103362083},{"text":"So this newer portfolio works out to be cheaper for you, which is good, but it also has seen greater growth over the past.","start":447.155,"end":454.19,"sentiment":"positive","sentiment_score":0.4112376769383748},{"text":"So that over the next five to ten years can definitely put you in a much greater position, which is what we would like to see happening for your super.","start":454.19,"end":460.69,"sentiment":"positive","sentiment_score":0.5313622564077377}],"sentiment":"positive","sentiment_score":0.34198276634727204,"num_words":105,"start":433.35,"end":460.69},{"sentences":[{"text":"Okay?","start":460.91,"end":461.41,"sentiment":"neutral","sentiment_score":0.1039428636431694},{"text":"I know it is a lot to kinda go through when you're not able to see the documents there, but do you have any questions at the moment at all?","start":462.35,"end":468.72498,"sentiment":"neutral","sentiment_score":0.015281773296495278},{"text":"I'm so sorry.","start":468.72498,"end":469.54498,"sentiment":"neutral","sentiment_score":-0.21190147598584494},{"text":"No.","start":472.805,"end":473.04498,"sentiment":"neutral","sentiment_score":-0.11346255242824554},{"text":"That's okay.","start":473.04498,"end":473.865,"sentiment":"neutral","sentiment_score":-0.02624056674540043}],"sentiment":"neutral","sentiment_score":-0.006466271657798742,"num_words":37,"start":460.91,"end":473.865},{"sentences":[{"text":"The system's telling me the document should be on its way to you.","start":474.32498,"end":477.525,"sentiment":"neutral","sentiment_score":0.05251411205300918},{"text":"Are you able to just refresh that at all just to sort of see?","start":477.525,"end":480.905,"sentiment":"neutral","sentiment_score":0.005838098802736827},{"text":"Oh, beautiful.","start":483.35,"end":484.16998,"sentiment":"neutral","sentiment_score":0.26915398240089417},{"text":"Sorry about that.","start":484.31,"end":485.37,"sentiment":"neutral","sentiment_score":-0.001587974528471629},{"text":"Oh, that'll be on the very last page.","start":497.545,"end":499.465,"sentiment":"neutral","sentiment_score":0.002842930145561695}],"sentiment":"neutral","sentiment_score":0.03301760805770755,"num_words":40,"start":474.32498,"end":499.465},{"sentences":[{"text":"I'll take you down to that in a second.","start":499.465,"end":501.30502,"sentiment":"neutral","sentiment_score":0.017671522684395313},{"text":"If you can just pop to page number 20 for me.","start":501.30502,"end":503.86502,"sentiment":"neutral","sentiment_score":0.022023141045462002},{"text":"This is the table where the fees and the the outlining is that I just went through just to kinda give you clarification.","start":503.86502,"end":509.565,"sentiment":"neutral","sentiment_score":0.032830067545823426},{"text":"Yeah.","start":512.105,"end":512.605,"sentiment":"neutral","sentiment_score":0.03991212695837021},{"text":"You can yeah.","start":515.78,"end":517.16003,"sentiment":"neutral","sentiment_score":0.052485947807629905}],"sentiment":"neutral","sentiment_score":0.02880339956584763,"num_words":47,"start":499.465,"end":517.16003},{"sentences":[{"text":"Just let me know when you can see that page there.","start":521.22003,"end":523.64,"sentiment":"neutral","sentiment_score":0.042955510318279266},{"text":"Yep.","start":526.34,"end":526.74,"sentiment":"neutral","sentiment_score":0.2099764794111252},{"text":"Beautiful.","start":526.74,"end":527.24,"sentiment":"positive","sentiment_score":0.4277255833148956},{"text":"So that fee comparison table shows your current portfolio versus the recommended.","start":527.97504,"end":532.23505,"sentiment":"neutral","sentiment_score":0.1764242189625899},{"text":"It does have your balance there as of the date we've prepared the documents here, and then it's showing that the differences column has the CGT effect.","start":532.775,"end":540.455,"sentiment":"neutral","sentiment_score":0.12684376344636636}],"sentiment":"neutral","sentiment_score":0.12792470993903968,"num_words":52,"start":521.22003,"end":540.455},{"sentences":[{"text":"So we do understand and estimate there is always a tax effect for changing buying and selling investments.","start":540.455,"end":546.25,"sentiment":"neutral","sentiment_score":0.042455845719410315},{"text":"And in order to swap the investments around within your portfolio, the research showed that we should be about $1,598 for that one.","start":546.79,"end":556.005,"sentiment":"neutral","sentiment_score":-0.0050788635954908705},{"text":"That is in no way, shape, or form has any effect on you personally.","start":556.245,"end":560.265,"sentiment":"neutral","sentiment_score":-0.19664109072514943},{"text":"It is all dealt with within Super there.","start":560.325,"end":562.405,"sentiment":"neutral","sentiment_score":-0.020502045284956694},{"text":"Okay?","start":562.405,"end":562.905,"sentiment":"neutral","sentiment_score":0.007272413000464439}],"sentiment":"neutral","sentiment_score":-0.03534887279965915,"num_words":64,"start":540.455,"end":562.905},{"sentences":[{"text":"Excellent.","start":564.885,"end":565.365,"sentiment":"positive","sentiment_score":0.3699194490909576},{"text":"And then you've also got the investment fees side of things there, and that sort of shows that at the moment, you are paying just over $1,102 in investment fees.","start":565.365,"end":573.61,"sentiment":"neutral","sentiment_score":0.22953068986535072},{"text":"This newer portfolio is much cheaper.","start":573.61,"end":575.52997,"sentiment":"positive","sentiment_score":0.36089353760083515},{"text":"So saving on average about 9 oh, sorry.","start":575.52997,"end":577.69,"sentiment":"positive","sentiment_score":0.34124443493783474},{"text":"About $777 in investment fees for the year, which is a good thing.","start":577.69,"end":582.25,"sentiment":"positive","sentiment_score":0.4231027846152966}],"sentiment":"neutral","sentiment_score":0.3043360870716901,"num_words":58,"start":564.885,"end":582.25},{"sentences":[{"text":"We wanna make sure that more money stays invested for you and save on fees where possible.","start":582.25,"end":586.255,"sentiment":"positive","sentiment_score":0.36266694700016694},{"text":"Okay?","start":586.255,"end":586.755,"sentiment":"neutral","sentiment_score":0.16649575531482697},{"text":"Excellent.","start":588.815,"end":589.315,"sentiment":"positive","sentiment_score":0.488902747631073},{"text":"And there's no change to the insurance.","start":589.45496,"end":590.975,"sentiment":"neutral","sentiment_score":0.12115593041692461},{"text":"It's one of the things we did talk about was the level of cover you have.","start":590.975,"end":594.01495,"sentiment":"neutral","sentiment_score":0.25521295238286257}],"sentiment":"neutral","sentiment_score":0.27981512745221454,"num_words":42,"start":582.25,"end":594.01495},{"sentences":[{"text":"You didn't wanna review that at the time.","start":594.01495,"end":596.035,"sentiment":"neutral","sentiment_score":0.07751885987818241},{"text":"So the this is no change to the insurances.","start":596.255,"end":598.435,"sentiment":"neutral","sentiment_score":0.02776482618517346},{"text":"However, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well.","start":598.76,"end":606.04,"sentiment":"neutral","sentiment_score":-0.28546283680659074},{"text":"So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super.","start":606.04,"end":617.655,"sentiment":"neutral","sentiment_score":-0.02572302884525723},{"text":"We want your super to go up to provide you with income in retirement, not be eaten away by insurance premiums.","start":617.655,"end":623.115,"sentiment":"neutral","sentiment_score":0.2656946693147932}],"sentiment":"neutral","sentiment_score":-0.019540804446837225,"num_words":109,"start":594.01495,"end":623.115},{"sentences":[{"text":"Excellent.","start":625.45,"end":625.95,"sentiment":"positive","sentiment_score":0.5581222176551819},{"text":"On the bottom of that table there, you'll essentially see you've got your growth as the investor profile, and it shows you the five year rolling average and how things how the portfolios have been assessed or how they have performed over the past five years there.","start":626.49,"end":639.945,"sentiment":"neutral","sentiment_score":0.2207224838277127},{"text":"And then underneath that, we do have the projection table.","start":640.105,"end":643.005,"sentiment":"neutral","sentiment_score":0.10313669815659524},{"text":"Essentially, you've got your current scenario there, which shows the projected outcome based on your current balance, the current fees, and the current growth that the investor profile of this your current portfolio has received.","start":643.465,"end":656.6,"sentiment":"neutral","sentiment_score":0.13971622458526067},{"text":"It's not bad, but it could definitely do better.","start":657.14,"end":659.46,"sentiment":"neutral","sentiment_score":0.3301088843080733}],"sentiment":"neutral","sentiment_score":0.19435778194490602,"num_words":102,"start":625.45,"end":659.46},{"sentences":[{"text":"I think if you're in a growth portfolio, you definitely wanna be making more than 5% every year.","start":659.46,"end":664.04,"sentiment":"positive","sentiment_score":0.3666153483920627},{"text":"And over the next five to ten years, it could show you that bit over a 190,000 in five years or a bit over 226,000 in ten years there.","start":664.58,"end":673.305,"sentiment":"neutral","sentiment_score":0.13360468619342508},{"text":"So looking at things, we can definitely improve on that.","start":673.365,"end":676.505,"sentiment":"positive","sentiment_score":0.33851215094327924},{"text":"In the recommended at the bottom there, it sorta shows that if the portfolio can obtain what it has over the past five years, moving forward, in the next five years, it could be sitting at about 252,000 or 373,000 there.","start":677.045,"end":690.44,"sentiment":"neutral","sentiment_score":0.17409459864947854},{"text":"Albeit, this is also with the recommendation of increasing your salary sacrifice and adding additional contributions in if you decide to salary sacrifice and adding additional contributions in.","start":690.74,"end":698.075,"sentiment":"neutral","sentiment_score":0.05819897060947759}],"sentiment":"neutral","sentiment_score":0.1795728841412162,"num_words":126,"start":659.46,"end":698.075},{"sentences":[{"text":"If you decide to take on that recommendation down the track, absolutely fine.","start":698.075,"end":701.515,"sentiment":"neutral","sentiment_score":0.2225779535678717},{"text":"We can reassess that for you.","start":701.515,"end":703.135,"sentiment":"neutral","sentiment_score":0.2209471339980761},{"text":"We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it.","start":703.515,"end":713.30005,"sentiment":"positive","sentiment_score":0.3386452618986368},{"text":"The world is very expensive as groceries and fuel alone is insane at the moment.","start":713.30005,"end":717.94,"sentiment":"negative","sentiment_score":-0.45736308495203654},{"text":"So the cost of living is very high.","start":717.94,"end":720.66003,"sentiment":"negative","sentiment_score":-0.39828733913600445}],"sentiment":"neutral","sentiment_score":0.09412514254814242,"num_words":82,"start":698.075,"end":720.66003},{"sentences":[{"text":"It's very difficult.","start":720.66003,"end":721.89496,"sentiment":"negative","sentiment_score":-0.4919430414835612},{"text":"Yeah.","start":724.195,"end":724.695,"sentiment":"neutral","sentiment_score":-0.025519808754324913},{"text":"No.","start":724.995,"end":725.495,"sentiment":"neutral","sentiment_score":-0.09102393686771391},{"text":"All good.","start":725.555,"end":726.295,"sentiment":"neutral","sentiment_score":0.12320815026760101},{"text":"If you can scroll down to page number 22 for me, this is the part that I really like you to be able to see.","start":726.995,"end":732.93,"sentiment":"neutral","sentiment_score":0.32558065712451933}],"sentiment":"neutral","sentiment_score":0.21229874558048323,"num_words":32,"start":720.66003,"end":732.93},{"sentences":[{"text":"Don't ever want you to feel like I'm talking at you.","start":733.57,"end":735.81,"sentiment":"neutral","sentiment_score":0.08233197913928465},{"text":"So this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there.","start":735.81,"end":748.025,"sentiment":"neutral","sentiment_score":0.23922178223729135},{"text":"Yep.","start":750.485,"end":750.885,"sentiment":"positive","sentiment_score":0.3696407973766327},{"text":"Beautiful.","start":750.885,"end":751.385,"sentiment":"positive","sentiment_score":0.5781121850013733},{"text":"So the first column has your Netwealth Super.","start":751.84503,"end":753.84503,"sentiment":"neutral","sentiment_score":0.29423701018095016}],"sentiment":"neutral","sentiment_score":0.22583888727621954,"num_words":61,"start":733.57,"end":753.84503},{"sentences":[{"text":"It's also got the individual investments there.","start":753.84503,"end":756.34503,"sentiment":"neutral","sentiment_score":0.1832341296332223},{"text":"What the column we wanna sort of look at is that buy sell column in the middle that has all the red and green.","start":756.725,"end":761.85,"sentiment":"neutral","sentiment_score":0.11381957711031039},{"text":"Essentially, all the red is the amount that we'll be selling, and all the green is what we're gonna be buying there.","start":762.25,"end":767.20996,"sentiment":"neutral","sentiment_score":0.1273076832294464},{"text":"So, essentially, to give you a bit of a quick breakdown, we'll be retaining some physical gold.","start":767.20996,"end":772.75,"sentiment":"neutral","sentiment_score":0.10204682258122108},{"text":"We're rebalancing you back.","start":772.88995,"end":774.25,"sentiment":"neutral","sentiment_score":0.14788272976875305}],"sentiment":"neutral","sentiment_score":0.12353249583896753,"num_words":74,"start":753.84503,"end":774.25},{"sentences":[{"text":"You've got about 5% there currently.","start":774.25,"end":776.265,"sentiment":"neutral","sentiment_score":0.07394660264253616},{"text":"We wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that.","start":776.325,"end":782.105,"sentiment":"neutral","sentiment_score":0.09391976909881289},{"text":"Selling off all the physical silver isn't really performing that well.","start":782.645,"end":786.085,"sentiment":"neutral","sentiment_score":-0.2741088027303869},{"text":"It's quite down, so we are removing that from the portfolio currently.","start":786.085,"end":789.465,"sentiment":"neutral","sentiment_score":-0.20958742126822472},{"text":"The ban along Australian equities has not been performing well this year.","start":790.32,"end":793.52,"sentiment":"negative","sentiment_score":-0.3416609391570091}],"sentiment":"neutral","sentiment_score":-0.11302004157314224,"num_words":63,"start":774.25,"end":793.52},{"sentences":[{"text":"It is underperforming heavily, and there's an issue within the investment.","start":793.52,"end":796.64,"sentiment":"negative","sentiment_score":-0.35955020785331726},{"text":"So we've decided to remove that out.","start":796.64,"end":798.9,"sentiment":"neutral","sentiment_score":-0.24755260135446275},{"text":"We don't want you to have any underperforming investments within the fund, So we'll be selling that investment completely down there for you.","start":799.04004,"end":806.635,"sentiment":"neutral","sentiment_score":-0.17298947954955307},{"text":"We've also got the Vanguard diversified index fund.","start":807.255,"end":810.775,"sentiment":"neutral","sentiment_score":0.046041195280849934},{"text":"Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit.","start":810.775,"end":817.86,"sentiment":"neutral","sentiment_score":0.014625049299663968}],"sentiment":"neutral","sentiment_score":-0.11715095568644374,"num_words":76,"start":793.52,"end":817.86},{"sentences":[{"text":"So we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well.","start":817.86,"end":825.07996,"sentiment":"neutral","sentiment_score":0.09543642061560051},{"text":"Okay?","start":825.22,"end":825.72,"sentiment":"neutral","sentiment_score":0.047346532344818115},{"text":"We've also got the BetaShares cybersecurity.","start":826.74,"end":828.83997,"sentiment":"neutral","sentiment_score":0.04281138194104036},{"text":"This is giving you exposure to global cybersecurity.","start":829.14,"end":831.54504,"sentiment":"neutral","sentiment_score":0.031489881221204996},{"text":"We wanna hold about 5%.","start":831.84503,"end":833.685,"sentiment":"neutral","sentiment_score":0.016280269995331765}],"sentiment":"neutral","sentiment_score":0.06587378832316676,"num_words":43,"start":817.86,"end":833.685},{"sentences":[{"text":"So at the moment, you're slightly overweighted.","start":833.685,"end":835.705,"sentiment":"neutral","sentiment_score":-0.0753914729825088},{"text":"So just rebalancing that one and selling a little bit of the investment back for you.","start":836.005,"end":840.245,"sentiment":"neutral","sentiment_score":0.05160389223601669},{"text":"Okay?","start":840.245,"end":840.745,"sentiment":"neutral","sentiment_score":0.03976627439260483},{"text":"The battery and lithium tech there, the ACDC, we are removing that completely from the portfolio.","start":842.48,"end":847.77997,"sentiment":"neutral","sentiment_score":-0.1674013566225767},{"text":"This is more of a thematic ETF.","start":847.83997,"end":849.62,"sentiment":"neutral","sentiment_score":-0.19335160510880606}],"sentiment":"neutral","sentiment_score":-0.07859988728577787,"num_words":47,"start":833.685,"end":849.62},{"sentences":[{"text":"We're just gonna sell that down.","start":850.16,"end":851.51996,"sentiment":"neutral","sentiment_score":-0.29343874504168826},{"text":"Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well.","start":851.51996,"end":862.695,"sentiment":"neutral","sentiment_score":-0.17897801612104688},{"text":"We've also same thing with the ETF, the MorningStar Global Tech.","start":864.675,"end":868.455,"sentiment":"neutral","sentiment_score":0.010149071077731523},{"text":"That one there will be selling down completely.","start":868.595,"end":870.595,"sentiment":"neutral","sentiment_score":-0.10760792857035995},{"text":"Again, we are still holding tech stocks, but we found a cheaper way to do that without having to hold these thematic ETFs.","start":870.595,"end":877.04,"sentiment":"neutral","sentiment_score":0.054172205050354416}],"sentiment":"neutral","sentiment_score":-0.09070031283176448,"num_words":83,"start":850.16,"end":877.04},{"sentences":[{"text":"And it also makes the port it's part of making the portfolio cheaper for you as well.","start":877.04,"end":881.51996,"sentiment":"neutral","sentiment_score":0.21510498576304493},{"text":"Okay?","start":881.51996,"end":882.01996,"sentiment":"neutral","sentiment_score":0.058726053684949875},{"text":"Excellent.","start":884.51495,"end":884.915,"sentiment":"positive","sentiment_score":0.4607169032096863},{"text":"We've got the iShares Europe investment in there.","start":884.915,"end":888.195,"sentiment":"neutral","sentiment_score":0.22175711207091808},{"text":"We wanna hold about 8%.","start":888.195,"end":889.635,"sentiment":"neutral","sentiment_score":0.17983097732067108}],"sentiment":"neutral","sentiment_score":0.21404498431365937,"num_words":32,"start":877.04,"end":889.635},{"sentences":[{"text":"You currently have 5% of the investment, so we're just buying a bit more of that.","start":889.635,"end":893.815,"sentiment":"neutral","sentiment_score":0.22482413798570633},{"text":"This investment gives you exposure to all 16 European countries, so giving you diversification.","start":893.95496,"end":898.615,"sentiment":"neutral","sentiment_score":0.2923914673072951},{"text":"And then you've also got the S and P 500.","start":900.07,"end":902.73,"sentiment":"neutral","sentiment_score":0.08644347861409188},{"text":"So The US is a good still a good place to be invested, and a lot of people have been a bit unsure about that, but we still see good growth coming out of The US.","start":902.87,"end":910.79,"sentiment":"neutral","sentiment_score":0.12389296758919954},{"text":"And this is essentially is giving you exposure to the top 500 companies on The US market there.","start":910.79,"end":916.385,"sentiment":"neutral","sentiment_score":0.09694141459961732}],"sentiment":"neutral","sentiment_score":0.1570233386406239,"num_words":94,"start":889.635,"end":916.385},{"sentences":[{"text":"We wanna hold 30% of this investment.","start":916.68506,"end":919.005,"sentiment":"neutral","sentiment_score":0.04214167195771422},{"text":"So at the moment, you're a bit underweighted.","start":919.005,"end":920.625,"sentiment":"neutral","sentiment_score":-0.17469772417098284},{"text":"We're just gonna buy a little bit more to rebalance you back.","start":920.765,"end":923.885,"sentiment":"neutral","sentiment_score":-0.11524854848782222},{"text":"Okay?","start":923.885,"end":924.385,"sentiment":"neutral","sentiment_score":-0.013327544555068016},{"text":"We've got the iShares Asia in there.","start":926.36505,"end":928.28503,"sentiment":"neutral","sentiment_score":0.007385190975453172}],"sentiment":"neutral","sentiment_score":-0.06992011083556073,"num_words":35,"start":916.68506,"end":928.28503},{"sentences":[{"text":"Again, this is more of a themed investment.","start":928.28503,"end":930.24005,"sentiment":"neutral","sentiment_score":-0.0011748422402888536},{"text":"We are selling that down.","start":930.24005,"end":931.36005,"sentiment":"neutral","sentiment_score":-0.04681374803185463},{"text":"We still wanna hold Asia exposure, but we found a much better, cheaper way to do that for you.","start":931.36005,"end":936.32,"sentiment":"neutral","sentiment_score":0.040597929570235704},{"text":"So selling this investment clear out of the portfolio.","start":936.32,"end":938.74005,"sentiment":"neutral","sentiment_score":-0.02087880629632208},{"text":"And then we've also got the Vanguard Australian fixed interest investment.","start":939.92004,"end":943.525,"sentiment":"neutral","sentiment_score":0.07211854647506367}],"sentiment":"neutral","sentiment_score":0.021793998813686464,"num_words":52,"start":928.28503,"end":943.525},{"sentences":[{"text":"We still wanna hold defensive investments like cash, bonds, and fixed interest.","start":943.825,"end":947.685,"sentiment":"neutral","sentiment_score":0.045992898444334664},{"text":"However, we found a much better way to hold that those defensive assets.","start":948.145,"end":952.625,"sentiment":"neutral","sentiment_score":0.03827452985569835},{"text":"So this one's gonna be removed out of that investment portfolio for you as well.","start":952.625,"end":956.80505,"sentiment":"neutral","sentiment_score":-0.16256480365991594},{"text":"To bring you back into sort of rebalance and to buy in, we're going to buy into the Japanese exposure.","start":958.89,"end":964.89,"sentiment":"neutral","sentiment_score":0.016967688826844095},{"text":"Japan is a good place to be invested.","start":964.89,"end":966.91,"sentiment":"positive","sentiment_score":0.5242588669061661}],"sentiment":"neutral","sentiment_score":0.04624171068152303,"num_words":68,"start":943.825,"end":966.91},{"sentences":[{"text":"It has had some great returns, and we wanna hold 5% of this investment.","start":967.29,"end":971.07,"sentiment":"positive","sentiment_score":0.5859267732926777},{"text":"And then because we are removing a lot of different areas, so we've removed the the Morningstar tech, the battery and lithium tech.","start":971.545,"end":978.025,"sentiment":"neutral","sentiment_score":0.04073255112313706},{"text":"We've also got rid of the Vanguard diversified index, and the Asia exposure there as well.","start":978.025,"end":983.305,"sentiment":"neutral","sentiment_score":0.028465409064665437},{"text":"We still wanna hold exposure into all those areas and diversify across the globe, and that's where the Vanguard or World ex US investment comes into.","start":983.305,"end":992.19,"sentiment":"neutral","sentiment_score":0.05365897066747913},{"text":"This is giving you exposure to essentially the entire globe minus The US Of A.","start":992.41003,"end":997.005,"sentiment":"neutral","sentiment_score":0.03142307847738266}],"sentiment":"neutral","sentiment_score":0.12193350490935623,"num_words":94,"start":967.29,"end":997.005},{"sentences":[{"text":"We wanna hold 8% of this.","start":997.085,"end":999.005,"sentiment":"neutral","sentiment_score":0.10270434369643529},{"text":"One of the biggest ways to, you know, limit market risk as much as possible is to diversify across the globe, and this is where this investment comes in.","start":999.005,"end":1007.805,"sentiment":"neutral","sentiment_score":0.2279308145416194},{"text":"It gives you exposure to all the different countries and in different areas and also is low cost as well and has provided some really good returns.","start":1007.805,"end":1016.67,"sentiment":"positive","sentiment_score":0.3943246619568931},{"text":"So sticking 8% in this investment does work really well for your portfolio.","start":1016.67,"end":1021.17,"sentiment":"positive","sentiment_score":0.50711095562348},{"text":"That's essentially what we'll be holding there.","start":1021.39,"end":1023.57,"sentiment":"neutral","sentiment_score":0.11539429639066968}],"sentiment":"neutral","sentiment_score":0.3082096104214831,"num_words":82,"start":997.085,"end":1023.57},{"sentences":[{"text":"The that investment also excludes The US Of A, and that's because we do hold the S and P 500.","start":1025.195,"end":1030.395,"sentiment":"neutral","sentiment_score":-0.02746309284120798},{"text":"So we don't wanna keep you overexposed into The US market.","start":1030.395,"end":1033.615,"sentiment":"neutral","sentiment_score":-0.07196882401000369},{"text":"So that's why that one does exclude The US.","start":1033.915,"end":1036.38,"sentiment":"neutral","sentiment_score":-0.05024442159467273},{"text":"Okay?","start":1036.62,"end":1037.12,"sentiment":"neutral","sentiment_score":0.0069037871435284615},{"text":"Excellent.","start":1038.62,"end":1039.12,"sentiment":"neutral","sentiment_score":0.3168368339538574}],"sentiment":"neutral","sentiment_score":-0.034985192718782594,"num_words":42,"start":1025.195,"end":1039.12},{"sentences":[{"text":"And then we're at the bottom two.","start":1039.18,"end":1040.54,"sentiment":"neutral","sentiment_score":0.061378715825932365},{"text":"We've got the beta shares a 200.","start":1040.54,"end":1042.38,"sentiment":"neutral","sentiment_score":0.0363276872251715},{"text":"So we did remove the ban along Australian equities investment that was giving you exposure to the Australian market there.","start":1042.38,"end":1048.605,"sentiment":"neutral","sentiment_score":0.01409335290081799},{"text":"So we do wanna include some Australian exposure.","start":1048.845,"end":1051.405,"sentiment":"neutral","sentiment_score":0.051357660442590714},{"text":"The Vanguard all wells have it's just a very small component of that, so we do wanna hold some more.","start":1051.405,"end":1056.705,"sentiment":"neutral","sentiment_score":0.03948051622137427}],"sentiment":"neutral","sentiment_score":0.03494005624745642,"num_words":62,"start":1039.18,"end":1056.705},{"sentences":[{"text":"The BetaShares a 200 gives you exposure to the top 200 companies on the Australian market there.","start":1056.9249,"end":1062.6849,"sentiment":"neutral","sentiment_score":0.09835849110694493},{"text":"So this is giving you more diversification.","start":1062.6849,"end":1065.0,"sentiment":"neutral","sentiment_score":0.19552714909826005},{"text":"This investment has performed much better than Bannelong.","start":1066.02,"end":1068.58,"sentiment":"positive","sentiment_score":0.4718599505722523},{"text":"It's also cheaper to hold because it's passively managed.","start":1068.58,"end":1071.64,"sentiment":"neutral","sentiment_score":0.3273435868322849},{"text":"One of the biggest things about the Bannelong concentrated equities was that that is more of a an actively managed fund.","start":1071.9401,"end":1078.36,"sentiment":"neutral","sentiment_score":0.05851195864878329}],"sentiment":"neutral","sentiment_score":0.17726624855159542,"num_words":62,"start":1056.9249,"end":1078.36},{"sentences":[{"text":"So the investment manager within that fund was supposed to be outperforming against the market and trying to pick and time the market.","start":1078.425,"end":1084.505,"sentiment":"neutral","sentiment_score":0.07719708881948305},{"text":"They couldn't really do that.","start":1084.505,"end":1086.125,"sentiment":"neutral","sentiment_score":-0.15624601244926453},{"text":"They also only held between 15 to 25 different investment options.","start":1086.425,"end":1090.5851,"sentiment":"neutral","sentiment_score":-0.051478412679650566},{"text":"So removing that and adding in the a 200 is cheaper for your portfolio, gives you more diversification, and has performed better over the longer term as well for you.","start":1090.5851,"end":1101.12,"sentiment":"neutral","sentiment_score":0.29411918893456457},{"text":"Okay?","start":1101.1799,"end":1101.6799,"sentiment":"neutral","sentiment_score":0.14419034123420715}],"sentiment":"neutral","sentiment_score":0.13422580643423965,"num_words":70,"start":1078.425,"end":1101.6799},{"sentences":[{"text":"Excellent.","start":1102.94,"end":1103.44,"sentiment":"positive","sentiment_score":0.5676605701446533},{"text":"And then you've got the ITS core composite bond.","start":1103.7949,"end":1106.195,"sentiment":"neutral","sentiment_score":0.26286877857314217},{"text":"This is defensive in nature.","start":1106.195,"end":1107.5549,"sentiment":"neutral","sentiment_score":0.2519925594329834},{"text":"We still wanna hold some defensive investments.","start":1107.5549,"end":1109.815,"sentiment":"neutral","sentiment_score":0.2506050297192165},{"text":"This is giving you exposure to government and as well as corporate bonds.","start":1110.4349,"end":1113.895,"sentiment":"neutral","sentiment_score":0.3226179274228903}],"sentiment":"neutral","sentiment_score":0.28976316111428396,"num_words":35,"start":1102.94,"end":1113.895},{"sentences":[{"text":"And it's good for income producing.","start":1114.195,"end":1115.7949,"sentiment":"positive","sentiment_score":0.4961562355359395},{"text":"All of these investments except for the physical gold also help to produce income.","start":1115.7949,"end":1119.79,"sentiment":"neutral","sentiment_score":0.2806366841707911},{"text":"We want dividends that are paid or income produced out of the portfolio, have that paid into your cash account, and have that reinvested back into your portfolio, and that does assist with compounding long term as well.","start":1119.79,"end":1131.17,"sentiment":"positive","sentiment_score":0.3522195196465442},{"text":"That is essentially the nutshell on the changes to the portfolio.","start":1131.765,"end":1134.8251,"sentiment":"neutral","sentiment_score":0.13237349621274255},{"text":"Do you have any questions in relation to any of that?","start":1134.9651,"end":1138.265,"sentiment":"neutral","sentiment_score":0.041070256382226944}],"sentiment":"neutral","sentiment_score":0.2774759252090007,"num_words":80,"start":1114.195,"end":1138.265},{"sentences":[{"text":"No.","start":1142.165,"end":1142.665,"sentiment":"neutral","sentiment_score":-0.07040967792272568},{"text":"Yeah.","start":1143.925,"end":1144.3251,"sentiment":"neutral","sentiment_score":0.01816580817103386},{"text":"That's okay.","start":1144.3251,"end":1145.145,"sentiment":"neutral","sentiment_score":0.09649000316858292},{"text":"It is.","start":1145.9,"end":1146.62,"sentiment":"neutral","sentiment_score":0.11860835179686546},{"text":"It absolutely is.","start":1146.62,"end":1147.5,"sentiment":"neutral","sentiment_score":0.121664692958196}],"sentiment":"neutral","sentiment_score":0.08254965767264366,"num_words":9,"start":1142.165,"end":1147.5},{"sentences":[{"text":"You can sort of see why it's good to see that document and look at it as they're going through.","start":1147.5,"end":1151.9199,"sentiment":"neutral","sentiment_score":0.13331248834729195},{"text":"We sort of don't wanna kinda wanna make sure that you give you the information, but don't want you to feel like you're being spoken at.","start":1152.14,"end":1157.9199,"sentiment":"neutral","sentiment_score":0.003962612101951471},{"text":"It's kind of cool.","start":1158.3949,"end":1159.195,"sentiment":"positive","sentiment_score":0.43799880146980286},{"text":"A lot of these investments have performed really well.","start":1159.195,"end":1161.4349,"sentiment":"positive","sentiment_score":0.5091069108910031},{"text":"Essentially, we just want to make sure things are working harder for you, make some changes.","start":1161.4349,"end":1165.695,"sentiment":"neutral","sentiment_score":0.19343161629512906}],"sentiment":"neutral","sentiment_score":0.16264187928289175,"num_words":75,"start":1147.5,"end":1165.695},{"sentences":[{"text":"It is really important to update the portfolio every so often, essentially.","start":1165.995,"end":1169.855,"sentiment":"neutral","sentiment_score":0.13062077946960926},{"text":"Investments that you might have had one, two, or even three years ago do need to be updated every so often as they become out of date, don't perform as well.","start":1170.235,"end":1179.2799,"sentiment":"neutral","sentiment_score":-0.0053596866707648},{"text":"And even the investments we move into now, over the next one, two, or even three years down the track, they very well should be updated as well.","start":1179.2799,"end":1187.44,"sentiment":"neutral","sentiment_score":0.257645827585033},{"text":"So we'll keep reviewing and updating things moving forward.","start":1187.44,"end":1190.255,"sentiment":"neutral","sentiment_score":0.24067692210276923},{"text":"There's also changes to investments that we can also look at to take advantage of down the track there as well.","start":1190.7151,"end":1197.375,"sentiment":"neutral","sentiment_score":0.14864812117247356}],"sentiment":"neutral","sentiment_score":0.13765430775019202,"num_words":101,"start":1165.995,"end":1197.375},{"sentences":[{"text":"But this is sort of giving you that growth exposure whilst trying to mitigate as much market risk as we possibly can and also making the portfolio a little bit cheaper for you as well to help you save on fees where possible to keep your super working harder for you down the track.","start":1197.995,"end":1212.92,"sentiment":"positive","sentiment_score":0.3812869280852653},{"text":"Does that make sense?","start":1213.22,"end":1214.36,"sentiment":"neutral","sentiment_score":0.12946364097297192},{"text":"Yeah.","start":1214.5,"end":1215.0,"sentiment":"neutral","sentiment_score":0.1904618144035339},{"text":"Excellent.","start":1215.86,"end":1216.36,"sentiment":"positive","sentiment_score":0.5927699208259583},{"text":"On the next page is your cash account.","start":1217.235,"end":1219.415,"sentiment":"neutral","sentiment_score":0.2302382132038474}],"sentiment":"positive","sentiment_score":0.3490071488434778,"num_words":68,"start":1197.995,"end":1219.415},{"sentences":[{"text":"Now, realistically, within Netwealth, we don't wanna hold more than 1%.","start":1219.475,"end":1223.175,"sentiment":"neutral","sentiment_score":0.07232708517800678},{"text":"You do have a little bit too much cash there at the moment, so we're also gonna take a nice big chunk of that cash and reinvest that into your portfolio for you as well.","start":1223.395,"end":1231.89,"sentiment":"neutral","sentiment_score":0.20524500374283108},{"text":"When I had a look at things, I sort of noticed that your cash is a little bit too high.","start":1232.13,"end":1235.99,"sentiment":"neutral","sentiment_score":-0.2389405805617571},{"text":"You don't really wanna have a lot of money sitting in cash.","start":1236.13,"end":1238.53,"sentiment":"negative","sentiment_score":-0.36701226234436035},{"text":"You want that to be invested in the portfolio working harder for you as well.","start":1238.53,"end":1242.47,"sentiment":"neutral","sentiment_score":-0.18651766379674276}],"sentiment":"neutral","sentiment_score":-0.043027426326467146,"num_words":93,"start":1219.475,"end":1242.47},{"sentences":[{"text":"Okay.","start":1242.61,"end":1243.11,"sentiment":"neutral","sentiment_score":0.1430172324180603},{"text":"Excellent.","start":1245.185,"end":1245.685,"sentiment":"positive","sentiment_score":0.4190520644187927},{"text":"Essentially, down on page number 25 is the recommendations with regard to the salary sacrifice as I mentioned to have made the recommendation of around $50.","start":1246.4651,"end":1255.345,"sentiment":"neutral","sentiment_score":0.15181468627773798},{"text":"I think I said $50 per week before my I do apologize.","start":1255.345,"end":1258.75,"sentiment":"neutral","sentiment_score":0.013434294611215591},{"text":"It's actually 50 per fortnight.","start":1258.75,"end":1260.21,"sentiment":"neutral","sentiment_score":0.03423593305051327}],"sentiment":"neutral","sentiment_score":0.10759205201433765,"num_words":45,"start":1242.61,"end":1260.21},{"sentences":[{"text":"That was a oversight on my part.","start":1260.75,"end":1263.09,"sentiment":"neutral","sentiment_score":-0.016321107745170593},{"text":"Essentially, if and when you are able to look at doing that, doing it and starting earlier does allow the compounding effect to continue, but it's also gotta be within your comfort level as well.","start":1263.55,"end":1272.615,"sentiment":"neutral","sentiment_score":0.2602372322763715},{"text":"And then things can definitely change there.","start":1272.615,"end":1274.795,"sentiment":"neutral","sentiment_score":0.15362014089311873},{"text":"You are welcome to run your eyes over that section.","start":1275.0951,"end":1277.3351,"sentiment":"neutral","sentiment_score":0.27327068597078324},{"text":"And if at any point, you know, down the track you decide that you're comfortable reassessing that, please let me know.","start":1277.3351,"end":1282.375,"sentiment":"neutral","sentiment_score":0.16350905703646795}],"sentiment":"neutral","sentiment_score":0.20294741773977876,"num_words":80,"start":1260.75,"end":1282.375},{"sentences":[{"text":"We can always reassess your comfort level and look at what the conductor do that can do for your super.","start":1282.375,"end":1288.19,"sentiment":"neutral","sentiment_score":0.27211286053061484},{"text":"Salary sacrifice is a great way of incorporating extra money into super just because it is a pretax deduction, so it document is on page number 38 39.","start":1288.8099,"end":1309.8049,"sentiment":"neutral","sentiment_score":0.32962507288903},{"text":"There'll be a multiline box there, essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board.","start":1310.0299,"end":1319.5499,"sentiment":"neutral","sentiment_score":0.06306983197906188},{"text":"We just get you to make a little note in that just with any changes that you wanna make.","start":1319.5499,"end":1323.705,"sentiment":"neutral","sentiment_score":0.1997760628399096},{"text":"And if you are just happy to proceed with the the investment switch to see how your portfolio is working, we'll get you to sign and return the document back.","start":1323.945,"end":1331.725,"sentiment":"neutral","sentiment_score":0.28665445148944857}],"sentiment":"neutral","sentiment_score":0.23066474628448486,"num_words":125,"start":1282.375,"end":1331.725},{"sentences":[{"text":"And as you kinda mentioned, you're not really comfortable salary sacrificing at the moment.","start":1331.945,"end":1335.5449,"sentiment":"neutral","sentiment_score":-0.24673602277679102},{"text":"You could just make a little note in there to say, do wish to do not do not wish to salary sacrifice or don't proceed with salary sacrifice recommendation.","start":1335.5449,"end":1343.34,"sentiment":"neutral","sentiment_score":-0.05301090072968911},{"text":"And we'll look at that prior to starting any of the process and make sure that we adhere to that for you as well.","start":1343.96,"end":1349.7999,"sentiment":"neutral","sentiment_score":0.09685812812919418},{"text":"Okay?","start":1349.7999,"end":1350.2999,"sentiment":"neutral","sentiment_score":0.0913545936346054},{"text":"Yep.","start":1351.4249,"end":1351.9249,"sentiment":"positive","sentiment_score":0.4114365577697754}],"sentiment":"neutral","sentiment_score":-0.03136571323957996,"num_words":69,"start":1331.945,"end":1351.9249},{"sentences":[{"text":"Beautiful.","start":1352.225,"end":1352.725,"sentiment":"positive","sentiment_score":0.7384949922561646},{"text":"The only other things that we've got in there is just making sure that you do have a will, power of attorney, and any estate planning documents done up as well.","start":1353.4249,"end":1360.6449,"sentiment":"neutral","sentiment_score":0.24622161590283917},{"text":"Those are obviously quite important to do to protect everything you've got, so we do add those recommendations in there for you as well.","start":1360.945,"end":1367.4,"sentiment":"neutral","sentiment_score":0.3063296650846799},{"text":"Okay.","start":1367.4,"end":1367.9,"sentiment":"neutral","sentiment_score":0.11758889257907867},{"text":"Yeah.","start":1370.28,"end":1370.78,"sentiment":"neutral","sentiment_score":0.27670198678970337}],"sentiment":"neutral","sentiment_score":0.2778891021835393,"num_words":58,"start":1352.225,"end":1370.78},{"sentences":[{"text":"All good.","start":1371.0,"end":1371.64,"sentiment":"positive","sentiment_score":0.4370388984680176},{"text":"Do you happen to have any questions at the moment at all?","start":1371.64,"end":1374.4401,"sentiment":"neutral","sentiment_score":0.05914424235622088},{"text":"Or no.","start":1374.4401,"end":1377.9601,"sentiment":"neutral","sentiment_score":-0.07733725942671299},{"text":"That's okay.","start":1377.9601,"end":1378.86,"sentiment":"neutral","sentiment_score":-0.046625394374132156},{"text":"Depending on how I know.","start":1379.4801,"end":1383.035,"sentiment":"neutral","sentiment_score":-0.03605568334460259}],"sentiment":"neutral","sentiment_score":0.05024369482112968,"num_words":23,"start":1371.0,"end":1383.035},{"sentences":[{"text":"I know.","start":1383.175,"end":1383.895,"sentiment":"neutral","sentiment_score":0.008558192290365696},{"text":"Definitely.","start":1383.895,"end":1384.395,"sentiment":"neutral","sentiment_score":0.16552941501140594},{"text":"What I would like to do with you there, Bethelia, is make sure that we do touch base maybe in about sort of three to six months depending on your comfort level just to see how things are going once the implementation process has gone through just so we can keep track of what's happening with your super, and look at whether any new changes need to be updated.","start":1385.655,"end":1403.42,"sentiment":"neutral","sentiment_score":0.1381849379859109},{"text":"Would you prefer three or six months?","start":1403.48,"end":1405.16,"sentiment":"neutral","sentiment_score":0.020515525713562965},{"text":"What's more comfortable for you?","start":1405.16,"end":1406.86,"sentiment":"neutral","sentiment_score":0.055338624864816666}],"sentiment":"neutral","sentiment_score":0.12068700386832158,"num_words":84,"start":1383.175,"end":1406.86},{"sentences":[{"text":"Yeah.","start":1412.615,"end":1412.855,"sentiment":"neutral","sentiment_score":0.19665077328681943},{"text":"Yeah.","start":1412.855,"end":1413.255,"sentiment":"neutral","sentiment_score":0.26139169931411743},{"text":"Absolutely.","start":1413.255,"end":1413.755,"sentiment":"positive","sentiment_score":0.3898533582687378},{"text":"Not a problem at all.","start":1414.375,"end":1415.4149,"sentiment":"positive","sentiment_score":0.42456722259521484},{"text":"We'll do six months there for you.","start":1415.4149,"end":1416.855,"sentiment":"neutral","sentiment_score":0.3153087539332254}],"sentiment":"positive","sentiment_score":0.34519288142522175,"num_words":15,"start":1412.615,"end":1416.855},{"sentences":[{"text":"So my team will give you a call prior to that, and that will just touch base, book you in with me.","start":1416.855,"end":1421.975,"sentiment":"neutral","sentiment_score":0.25467553243718366},{"text":"We'll have a little chat about what's happening, see if there's any new advice to provide there for you, and also just run through what's happening with the portfolio just to keep track of everything in a little bit more detail, make sure things are working a bit harder for you.","start":1421.975,"end":1434.87,"sentiment":"neutral","sentiment_score":0.11851856163611599},{"text":"How does that sound?","start":1434.87,"end":1436.01,"sentiment":"neutral","sentiment_score":0.0960322767496109},{"text":"Yep.","start":1437.4299,"end":1437.9299,"sentiment":"neutral","sentiment_score":0.2710956037044525},{"text":"Beautiful.","start":1438.07,"end":1438.57,"sentiment":"positive","sentiment_score":0.7866125106811523}],"sentiment":"neutral","sentiment_score":0.16568538706891145,"num_words":79,"start":1416.855,"end":1438.57},{"sentences":[{"text":"Fantastic.","start":1438.71,"end":1439.21,"sentiment":"positive","sentiment_score":0.7952370643615723},{"text":"Depending on how much you enjoy reading, we do also have attached the product disclosure statements, you know, and any additional research material with regards to the advice document.","start":1440.165,"end":1449.9451,"sentiment":"positive","sentiment_score":0.3461707393670904},{"text":"And we've also attached the ongoing service agreement there as well, so that is due to be renewed.","start":1450.3251,"end":1454.8251,"sentiment":"neutral","sentiment_score":0.28484659476412666},{"text":"It just allows us to continue providing our services, providing advice, and updating things for you.","start":1455.15,"end":1460.37,"sentiment":"positive","sentiment_score":0.3956476282328367},{"text":"And you do pay an ongoing service fee of 1.65% there on a yearly basis, which is deducted out of super on a monthly basis in smaller monthly increments there.","start":1460.43,"end":1469.555,"sentiment":"neutral","sentiment_score":0.1274584780136744}],"sentiment":"neutral","sentiment_score":0.27782493195635205,"num_words":94,"start":1438.71,"end":1469.555},{"sentences":[{"text":"Do you have any questions about that at all?","start":1469.555,"end":1471.8151,"sentiment":"neutral","sentiment_score":0.05224645593100124},{"text":"No.","start":1473.7151,"end":1474.2151,"sentiment":"neutral","sentiment_score":-0.21064665913581848},{"text":"Yep.","start":1474.435,"end":1474.935,"sentiment":"neutral","sentiment_score":0.079279825091362},{"text":"That's okay.","start":1475.395,"end":1476.1951,"sentiment":"neutral","sentiment_score":0.1448751911520958},{"text":"Not a problem at all.","start":1476.1951,"end":1477.4751,"sentiment":"neutral","sentiment_score":0.08916601240634918}],"sentiment":"neutral","sentiment_score":0.05969065075947179,"num_words":18,"start":1469.555,"end":1477.4751},{"sentences":[{"text":"I don't wanna take up too much more of your time because I know you're extremely busy, but I do appreciate you taking my call.","start":1477.4751,"end":1482.935,"sentiment":"neutral","sentiment_score":0.04361179372295737},{"text":"Is there anything that's come to mind question wise or anything you might need from me at the moment?","start":1483.3999,"end":1487.82,"sentiment":"neutral","sentiment_score":0.055022319092562326},{"text":"Or no.","start":1488.0399,"end":1491.96,"sentiment":"neutral","sentiment_score":-0.13184234872460365},{"text":"That's okay.","start":1491.96,"end":1492.86,"sentiment":"neutral","sentiment_score":-0.09874463453888893},{"text":"All good.","start":1492.9199,"end":1493.6599,"sentiment":"neutral","sentiment_score":0.04980029538273811}],"sentiment":"neutral","sentiment_score":0.03548291060142219,"num_words":50,"start":1477.4751,"end":1493.6599},{"sentences":[{"text":"Well, I will let you go.","start":1493.72,"end":1494.84,"sentiment":"neutral","sentiment_score":0.18366174399852753},{"text":"You're welcome to review the document once you're happy to take on board any of the recommendations.","start":1494.84,"end":1498.885,"sentiment":"neutral","sentiment_score":0.25196677796980915},{"text":"So just ask your son and return it back, and just leave that little note on that last page there with regard to the salary sacrifice if you choose not to take that on board, which is absolutely fine.","start":1498.945,"end":1507.525,"sentiment":"neutral","sentiment_score":0.16500811183299774},{"text":"I will definitely be making sure we catch up in six months to see how things are tracking there for you.","start":1507.905,"end":1512.84,"sentiment":"neutral","sentiment_score":0.25081636295432136},{"text":"But if you do find you have any questions at any point, in my world, there's no such thing as a silly question.","start":1513.08,"end":1518.2,"sentiment":"neutral","sentiment_score":0.08289103517713754}],"sentiment":"neutral","sentiment_score":0.17919207058565798,"num_words":106,"start":1493.72,"end":1518.2},{"sentences":[{"text":"If there's something that you need help with or, you know, wanted to ask us, you're more than welcome to let me know.","start":1518.2,"end":1523.4199,"sentiment":"neutral","sentiment_score":0.2245901460232942},{"text":"And I can just research it, look at it, or have a chat to you about it, whatever you need.","start":1523.72,"end":1528.2834,"sentiment":"neutral","sentiment_score":0.2202160492539406},{"text":"And I'll definitely look forward to catching up with you and seeing how things are working and and getting your super back on track for you as well.","start":1528.5889,"end":1537.1423,"sentiment":"positive","sentiment_score":0.7098200204116958},{"text":"Okay.","start":1537.1423,"end":1537.4478,"sentiment":"positive","sentiment_score":0.49542126059532166},{"text":"Thank you.","start":1537.4478,"end":1538.0588,"sentiment":"positive","sentiment_score":0.8224018514156342}],"sentiment":"positive","sentiment_score":0.4268254037644412,"num_words":74,"start":1518.2,"end":1538.0588},{"sentences":[{"text":"My pleasure.","start":1538.0588,"end":1538.6697,"sentiment":"positive","sentiment_score":0.8370075225830078},{"text":"You have a lovely afternoon.","start":1538.6697,"end":1540.1971,"sentiment":"positive","sentiment_score":0.8564573168754578},{"text":"Thank you for taking my call.","start":1540.1971,"end":1542.03,"sentiment":"positive","sentiment_score":0.8771307567755381},{"text":"Thanks, Ophelia.","start":1543.79,"end":1544.6901,"sentiment":"positive","sentiment_score":0.6306709498167038},{"text":"You too.","start":1545.47,"end":1546.11,"sentiment":"positive","sentiment_score":0.3372285068035126}],"sentiment":"positive","sentiment_score":0.7738167696139392,"num_words":17,"start":1538.0588,"end":1546.11},{"sentences":[{"text":"Have a see you later.","start":1546.11,"end":1547.65,"sentiment":"neutral","sentiment_score":0.3267361521720886},{"text":"Bye.","start":1547.7101,"end":1548.2101,"sentiment":"neutral","sentiment_score":0.14557039737701416}],"sentiment":"neutral","sentiment_score":0.29654185970624286,"num_words":6,"start":1546.11,"end":1548.2101}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Yeah. That's fine. Mhmm. Basilia and Brightest, 23rd Of The 2nd 776 Muscat Court, Brother Lane. Mhmm. It's probably gonna be fine. Yep. Yep. Definitely. Ideally, it would be lovely, but, yeah, we'll have to wait and see when that happens. Yep. Yep. No. Not at the moment with the cost of living and everything. No. Yes. Yep. Yep. Yes. Yep. Sounds good. Yeah. A little bit. Yeah. Yeah. Spouse it can't hurt. Yeah. Yep. Not at the moment. No. No. Yeah. No. It's just turned up now. Yep. That's okay. Alright. So where did you say I needed to check no for the salary price. Okay. Yep. Mhmm. Okay. Yep. No. I'm getting in front of me now. Mhmm. Mhmm. Yes. Yep. It is. It is. Okay. Mhmm. Yep. Yes. Yes. Okay. Yeah. Okay. Yeah. Okay. Alright. Alright. Yep. Mhmm. Yep. Yep. No. Not really. I mean, it's good to see Quite a lot to take in. Mhmm. Yep. It does. Yeah. Yep. Yeah. No. That's fair enough. Yep. Yeah. Yes. Saw that there. Yep. Not really. No. No. Just need a crystal ball so that we can make more. Let's go after six months because Christmas is coming up and it gets pretty easy. Yep. No. No. I understand all of that. Yep. No. Not at the moment. No. Yes. No worries. Appreciate it. Thank you. You too. Have a good day. Okay. Bye. 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moment.","start":471.155,"end":472.035,"sentiment":"neutral","sentiment_score":-0.25299565494060516},{"text":"No.","start":472.035,"end":472.355,"sentiment":"neutral","sentiment_score":-0.15010395646095276},{"text":"No.","start":472.355,"end":472.855,"sentiment":"neutral","sentiment_score":-0.12662582099437714},{"text":"Yeah.","start":481.315,"end":481.635,"sentiment":"neutral","sentiment_score":-0.008048524148762226},{"text":"No.","start":481.635,"end":481.795,"sentiment":"neutral","sentiment_score":-0.058043647557497025}],"sentiment":"neutral","sentiment_score":-0.16935057111550122,"num_words":8,"start":471.155,"end":481.795},{"sentences":[{"text":"It's just turned up now.","start":481.795,"end":483.095,"sentiment":"neutral","sentiment_score":-0.03272528871893883},{"text":"Yep.","start":483.155,"end":483.655,"sentiment":"neutral","sentiment_score":0.08196743577718735},{"text":"That's okay.","start":485.61002,"end":486.43,"sentiment":"neutral","sentiment_score":0.08960044384002686},{"text":"Alright.","start":488.49,"end":488.99,"sentiment":"neutral","sentiment_score":0.05192209407687187},{"text":"So where did you say I needed to check no for the salary 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getting in front of me now.","start":524.915,"end":526.255,"sentiment":"neutral","sentiment_score":-0.03785493890089648},{"text":"Mhmm.","start":547.07,"end":547.57,"sentiment":"neutral","sentiment_score":0.009328617714345455},{"text":"Mhmm.","start":564.005,"end":564.3,"sentiment":"neutral","sentiment_score":0.06135330349206925},{"text":"Yes.","start":587.945,"end":588.445,"sentiment":"neutral","sentiment_score":0.3012807369232178}],"sentiment":"neutral","sentiment_score":0.007430613633583893,"num_words":11,"start":524.71497,"end":588.445},{"sentences":[{"text":"Yep.","start":624.47003,"end":624.97003,"sentiment":"positive","sentiment_score":0.3351527154445648},{"text":"It is.","start":722.74506,"end":723.22504,"sentiment":"neutral","sentiment_score":-0.22940348088741302},{"text":"It 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really.","start":1141.55,"end":1142.03,"sentiment":"neutral","sentiment_score":-0.04277588240802288},{"text":"I mean, it's good to see Quite a lot to take in.","start":1142.03,"end":1147.715,"sentiment":"neutral","sentiment_score":0.03897894344603022},{"text":"Mhmm.","start":1198.035,"end":1198.535,"sentiment":"neutral","sentiment_score":0.0978628545999527},{"text":"Yep.","start":1213.41,"end":1213.91,"sentiment":"neutral","sentiment_score":0.16074642539024353},{"text":"It 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enough.","start":1300.28,"end":1301.08,"sentiment":"neutral","sentiment_score":0.021463581671317417}],"sentiment":"neutral","sentiment_score":0.10982632823288441,"num_words":7,"start":1215.09,"end":1301.08},{"sentences":[{"text":"Yep.","start":1301.08,"end":1301.58,"sentiment":"neutral","sentiment_score":0.0784115195274353},{"text":"Yeah.","start":1350.32,"end":1350.82,"sentiment":"neutral","sentiment_score":0.19565588235855105},{"text":"Yes.","start":1368.4049,"end":1368.725,"sentiment":"neutral","sentiment_score":0.1128186285495758},{"text":"Saw that there.","start":1368.725,"end":1369.5249,"sentiment":"neutral","sentiment_score":0.14608857035636902},{"text":"Yep.","start":1369.5249,"end":1370.0249,"sentiment":"neutral","sentiment_score":0.18532463908195496}],"sentiment":"neutral","sentiment_score":0.14435376865523203,"num_words":7,"start":1301.08,"end":1370.0249},{"sentences":[{"text":"Not really.","start":1376.085,"end":1376.6449,"sentiment":"neutral","sentiment_score":-0.0985865592956543},{"text":"No.","start":1376.6449,"end":1377.1449,"sentiment":"neutral","sentiment_score":-0.10775891691446304},{"text":"No.","start":1377.205,"end":1377.42,"sentiment":"neutral","sentiment_score":-0.13085293769836426},{"text":"Just need a crystal ball so that we can make more.","start":1379.18,"end":1381.68,"sentiment":"neutral","sentiment_score":-0.0313983102413741},{"text":"Let's go after six months because Christmas is coming up and it gets pretty easy.","start":1408.92,"end":1412.38,"sentiment":"neutral","sentiment_score":0.20542481938997906}],"sentiment":"neutral","sentiment_score":0.07667353016634783,"num_words":30,"start":1376.085,"end":1412.38},{"sentences":[{"text":"Yep.","start":1436.52,"end":1437.02,"sentiment":"neutral","sentiment_score":0.13283686339855194},{"text":"No.","start":1472.5199,"end":1472.7599,"sentiment":"neutral","sentiment_score":-0.06994103640317917},{"text":"No.","start":1472.7599,"end":1472.9199,"sentiment":"neutral","sentiment_score":-0.06551559269428253},{"text":"I understand all of 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worries.","start":1535.895,"end":1536.635,"sentiment":"neutral","sentiment_score":0.330924928188324}],"sentiment":"neutral","sentiment_score":-0.027871937801440556,"num_words":9,"start":1489.565,"end":1536.635},{"sentences":[{"text":"Appreciate it.","start":1536.935,"end":1537.835,"sentiment":"positive","sentiment_score":0.625367671251297},{"text":"Thank you.","start":1542.4729,"end":1543.2129,"sentiment":"positive","sentiment_score":0.8046793937683105},{"text":"You too.","start":1543.7529,"end":1544.2329,"sentiment":"positive","sentiment_score":0.6865864396095276},{"text":"Have a good day.","start":1544.2329,"end":1545.2129,"sentiment":"positive","sentiment_score":0.6361591517925262},{"text":"Okay.","start":1545.513,"end":1546.013,"sentiment":"neutral","sentiment_score":0.33115193247795105}],"sentiment":"positive","sentiment_score":0.6462777771733024,"num_words":11,"start":1536.935,"end":1546.013},{"sentences":[{"text":"Bye.","start":1546.6329,"end":1547.1329,"sentiment":"neutral","sentiment_score":0.2053985297679901},{"text":"Bye.","start":1547.9929,"end":1548.4929,"sentiment":"neutral","sentiment_score":-0.11727923899888992}],"sentiment":"neutral","sentiment_score":0.044059645384550095,"num_words":2,"start":1546.6329,"end":1548.4929}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Bethelia. This is Dana from OZ Financial. How are you this afternoon?\n\nChannel 1: I'm good.\n\nChannel 0: That's good. I had people looking to go through your updated statement of advice with regard to your super. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. Before we could jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Mhmm.\n\nChannel 0: Fantastic. And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Basilia and Brightest, 23rd Of The 2nd 776 Muscat Court, Brother Lane.\n\nChannel 0: Fantastic. Thank you so much. Bethelia, we do normally send through to review. My system's a little bit slow and not working at the moment. Are you okay if I start by going through the advice with you and then I can send them through when they're when when it's working properly for me.\n\nIs that okay? Or did you want me\n\nChannel 1: Mhmm.\n\nChannel 0: to sort of hold off until you can see the document? What sort of preferred more for yourself?\n\nChannel 1: It's probably gonna be fine. Yep.\n\nChannel 0: Yeah. That's okay. All good. Well, I'll start by going through. As soon as my system is up running, I've got the IT man here sort of helping me at the moment.\n\nAs soon as that is ready to go, I'll get it sent off to you, and I'll let you know when you can check your emails there. Apologies about that. Love technology when it wants to work for us.\n\nChannel 1: Yep. Definitely.\n\nChannel 0: All all good. Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation. So when we sort of did your last annual review, we were looking at maybe updating things. I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you. But we also talked about, essentially, your goal.\n\nBack then, you were wanting to access super around about the age of 70. Is that still feeling fairly appropriate goal wise for yourself, or do you think there may have been some changes since then?\n\nChannel 1: Ideally, it would be lovely, but, yeah, we'll have to wait and see when that happens.\n\nChannel 0: No. That's okay. Well, I'll tell you what. We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier. That\n\nChannel 1: Yep.\n\nChannel 0: way, you hopefully don't have to work as long as you think you do. How does that sound? Lovely. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Now the other thing that we did talk about was essentially looking at ways to boost your salary to boost your super sorry. So looking at salary sacrifice is an option there. When we spoke last time, you were comfortable with starting with a smaller amount looking at what that can do and then kinda reviewing and building up down that on that down the track as well. Does that still feel fairly appropriate for you?\n\nChannel 1: No. Not at the moment with the cost of living and everything.\n\nChannel 0: You're not not gonna be able to salary sacrifice anything in there?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Well, essentially, with with the advice, I had initially recommended that you did start salary sacrificing about $50 per week into the super fund just to kind of build on that. Essentially, that because realistically with your super and with your age and where you are to kinda help it to make it work a little bit harder, Providing that bit of extra boost is really important down the track. But if you can't now, once you've gone through the advice document, on the very last page, we do just have a little, like, a multiline box.\n\nSo if you're not wanting to proceed with the salary sacrifice for the time being, we'll just get you to pop that in there for us. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Excellent. Now just to kind of run you to the recommendation, so I did have a bit of a look at your net wealth as well as all the other super funds out there to sort of see whether this was still appropriate for you and how we could readjust your portfolio for you so that you things were working a bit harder for you. I have made a recommendation there to retain net wealth. Essentially, one of the things I do look at when we are adjusting the portfolios is your I'm not sure if I went through with you, but your super fund, just like you, does a tax return every year. Your super pays income tax and capital gains tax as well.\n\nSo, essentially, what we do wanna look at is capital gains consequences when we do change or, you know, ultra investment portfolios, essentially. If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there. So we wanted to try and limit that as much as possible. So retaining Netwealth was more appropriate to limit that cost on your super fund,\n\nChannel 1: Yep.\n\nChannel 0: and then essentially switch the investments within that for you. With the recommendation and I believe the email should have been sent. Oh, it's on its way to you. Sorry. Hopefully, it comes through very, very shortly.\n\nIf you can let me know when it does, but it looks like it is sending through to you now. But, essentially, with the super, as I kinda mentioned, just retaining Netwealth as it is, but adjusting the portfolio within there. I have had a look at ways to adjust the portfolio, so it is working harder for you. And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good. A few less fees to consider and more money sitting in your super working harder for you.\n\nChannel 1: Yes.\n\nChannel 0: The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598. So I wasn't able to reduce it any further than that. But, essentially, when I looked at what the portfolio was doing and the fees for switching investments around, we look at what the savings are and how long it is to make those to make the CGT consequences back. So, realistically, the investment savings there essentially would cover the cost of the the CGT within about two years without any additional growth there. So it does work in your benefit.\n\nOkay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Essentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there. Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you. When we sort of touched base and did the the risk profiling as well, we also talked about remaining in that growth portfolio. Do you remember kinda going to that risk profile, talking about the eighty twenty status split with regard to the growth in defensive assets?\n\nDo you remember how that works?\n\nChannel 1: Yeah. A little bit. Yeah.\n\nChannel 0: Yeah. That's okay. Did you want me to talk you through that?\n\nChannel 1: Yeah. Spouse it can't hurt. Yeah.\n\nChannel 0: No. That's okay. So with that growth environment, you see about 80% of the super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in low risk defensive investments there. So thinking things like a a fixed interest, cash, and bonds.\n\nEssentially, being in that kind of environment, it suits somebody who has about six years before they're wanting to access their super debts. You do have that time horizon ahead of you, which is good. We would agree to sort of stay in that growth environment there. So I have done so, and I've looked at making some changes to kinda get the best growth out of your super fund. And the newer portfolio, when we look at the last five years, has averaged about 10.71.\n\nSo this newer portfolio works out to be cheaper for you, which is good, but it also has seen greater growth over the past. So that over the next five to ten years can definitely put you in a much greater position, which is what we would like to see happening for your super. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I know it is a lot to kinda go through when you're not able to see the documents there, but do you have any questions at the moment at all? I'm so sorry.\n\nChannel 1: Not at the moment. No. No.\n\nChannel 0: No. That's okay. The system's telling me the document should be on its way to you. Are you able to just refresh that at all just to sort of see?\n\nChannel 1: Yeah. No. It's just turned up now. Yep.\n\nChannel 0: Oh, beautiful. Sorry about that.\n\nChannel 1: That's okay. Alright. So where did you say I needed to check no for the salary price.\n\nChannel 0: Oh, that'll be on the very last page. I'll take you down to that in a second. If you can\n\nChannel 1: Okay.\n\nChannel 0: just pop to page number 20 for me. This is the table where the fees and the the outlining is that I just went through just to kinda give you clarification.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: You can yeah. Just let me know when you can see that page there.\n\nChannel 1: Yep. No. I'm getting in front of me now.\n\nChannel 0: Yep. Beautiful. So that fee comparison table shows your current portfolio versus the recommended. It does have your balance there as of the date we've prepared the documents here, and then it's showing that the differences column has the CGT effect. So we do understand and estimate there is always a tax effect for changing buying and selling investments.\n\nAnd in\n\nChannel 1: Mhmm.\n\nChannel 0: order to swap the investments around within your portfolio, the research showed that we should be about $1,598 for that one. That is in no way, shape, or form has any effect on you personally. It is all dealt with within Super there. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. And then you've also got the investment fees side of things there, and that sort of shows that at the moment, you are paying just over $1,102 in investment fees. This newer portfolio is much cheaper. So saving on average about 9 oh, sorry. About $777 in investment fees for the year, which is a good thing.\n\nWe wanna make sure that more money stays invested for you and save on fees where possible. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. And there's no change to the insurance. It's one of the things we did talk about was the level of cover you have. You didn't wanna review that at the time. So the this is no change to the insurances.\n\nHowever, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well. So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super. We want your super to go up to provide you with income in retirement, not be eaten away by insurance premiums.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. On the bottom of that table there, you'll essentially see you've got your growth as the investor profile, and it shows you the five year rolling average and how things how the portfolios have been assessed or how they have performed over the past five years there. And then underneath that, we do have the projection table. Essentially, you've got your current scenario there, which shows the projected outcome based on your current balance, the current fees, and the current growth that the investor profile of this your current portfolio has received. It's not bad, but it could definitely do better.\n\nI think if you're in a growth portfolio, you definitely wanna be making more than 5% every year. And over the next five to ten years, it could show you that bit over a 190,000 in five years or a bit over 226,000 in ten years there. So looking at things, we can definitely improve on that. In the recommended at the bottom there, it sorta shows that if the portfolio can obtain what it has over the past five years, moving forward, in the next five years, it could be sitting at about 252,000 or 373,000 there. Albeit, this is also with the recommendation of increasing your salary sacrifice and adding additional contributions in if you decide to salary sacrifice and adding additional contributions in.\n\nIf you decide to take on that recommendation down the track, absolutely fine. We can reassess that for you. We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it. The world is very expensive as groceries and fuel alone is insane at the moment. So the cost of living is very high.\n\nIt's very difficult.\n\nChannel 1: It is. It is.\n\nChannel 0: Yeah. No. All good. If you can scroll down to page number 22 for me, this is the part that I really like you to be able to see. Don't ever want you to feel like I'm talking at you.\n\nSo this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there. Yep. Beautiful. So the first column has your Netwealth Super. It's also got the individual investments there.\n\nChannel 1: Okay.\n\nChannel 0: What the column we wanna sort of look at is that buy sell column in the middle that has all the red and green. Essentially, all the red is the amount that we'll be selling, and all the green is what we're gonna be buying there. So, essentially, to give you a bit of a quick breakdown, we'll be retaining some physical gold. We're rebalancing you back. You've got about 5% there currently.\n\nWe wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that.\n\nChannel 1: Mhmm.\n\nChannel 0: Selling off all the physical silver isn't really performing that well. It's quite down, so we are removing that from the portfolio currently. The ban along Australian equities has not been performing well this year. It is underperforming heavily, and there's an issue within the investment. So we've decided to remove that out.\n\nWe don't want you to have any underperforming investments within the fund, So we'll be selling that investment completely down there for you.\n\nChannel 1: Yep.\n\nChannel 0: We've also got the Vanguard diversified index fund. Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit. So we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: We've also got the BetaShares cybersecurity. This is giving you exposure to global cybersecurity. We wanna hold about 5%. So at the moment, you're slightly overweighted. So just rebalancing that one and selling a little bit of the investment back for you.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: The battery and lithium tech there, the ACDC, we are removing that completely from the portfolio. This is more of a thematic ETF. We're just gonna sell that down. Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well.\n\nChannel 1: Okay.\n\nChannel 0: We've also same thing with the ETF, the MorningStar Global Tech. That one there will be selling down completely. Again, we are still holding tech stocks, but we found a cheaper way to do that without having to hold these thematic ETFs. And it also makes the port it's part of making the portfolio cheaper for you as well. Okay?\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Excellent. We've got the iShares Europe investment in there. We wanna hold about 8%. You currently have 5% of the investment, so we're just buying a bit more of that. This investment gives you exposure to all 16 European countries, so giving you diversification.\n\nAnd then you've also got the S and P 500. So The US is a good still a good place to be invested, and a lot of people have been a bit unsure about that, but we still see good growth coming out of The US. And this is essentially is giving you exposure to the top 500 companies on The US market there. We wanna hold 30% of this investment. So at the moment, you're a bit underweighted.\n\nWe're just gonna buy a little bit more to rebalance you back. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We've got the iShares Asia in there. Again, this is more of a themed investment. We are selling that down. We still wanna hold Asia exposure, but we found a much better, cheaper way to do that for you. So selling this investment clear out of the portfolio.\n\nAnd then we've also got the Vanguard Australian fixed interest investment. We still wanna hold defensive investments like cash, bonds, and fixed interest. However, we found a much better way to hold that those defensive assets. So this one's gonna be removed out of that investment portfolio for you as well.\n\nChannel 1: Alright.\n\nChannel 0: To bring you back into sort of rebalance and to buy in, we're going to buy into the Japanese exposure. Japan is a good place to be invested. It has had some great returns, and we wanna hold 5% of this investment. And then because we are removing a lot of different areas, so we've removed the the Morningstar tech, the battery and lithium tech. We've also got rid of the Vanguard diversified index, and the Asia exposure there as well.\n\nWe still wanna hold exposure into all those areas and diversify across the globe, and that's where the Vanguard or World ex US investment comes into. This is giving you exposure to essentially the entire globe minus The US Of A. We wanna hold 8% of this. One of the biggest ways to, you know, limit market risk as much as possible is to diversify across the globe, and this is where this investment comes in. It gives you exposure to all the different countries and in different areas and also is low cost as well and has provided some really good returns.\n\nSo sticking 8% in this investment does work really well for your portfolio. That's essentially what we'll be holding there. The that investment also excludes The US Of A, and that's because we do hold the S and P 500. So we don't wanna keep you overexposed into The US market. So that's why that one does exclude The US.\n\nOkay?\n\nChannel 1: Alright. Yep.\n\nChannel 0: Excellent. And then we're at the bottom two. We've got the beta shares a 200. So we did remove the ban along Australian equities investment that was giving you exposure to the Australian market there. So we do wanna include some Australian exposure.\n\nThe Vanguard all wells have it's just a very small component of that, so we do wanna hold some more. The BetaShares\n\nChannel 1: Mhmm.\n\nChannel 0: a 200 gives you exposure to the top 200 companies on the Australian market there. So this is giving you more diversification. This investment has performed much better than Bannelong. It's also cheaper to hold because it's passively managed. One of the biggest things about the Bannelong concentrated equities was that that is more of a an actively managed fund.\n\nSo the investment manager within that fund was supposed to be outperforming against the market and trying to pick and time the market. They couldn't really do that. They also only held between 15 to 25 different investment options. So removing that and adding in the a 200 is cheaper for your portfolio, gives you more diversification, and has performed better over the longer term as well for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: And then you've got the ITS core composite bond. This is defensive in nature. We still wanna hold some defensive investments. This is giving you exposure to government and as well as corporate bonds. And it's good for income producing.\n\nAll of these investments except for the physical gold also help to produce income. We want dividends that are paid or income produced out of the portfolio, have that paid into your cash account, and have that reinvested back into your portfolio, and that does assist with compounding long term as well. That is essentially the nutshell on the changes to the portfolio. Do you have any questions in relation to any of that?\n\nChannel 1: No. Not really. I\n\nChannel 0: No.\n\nChannel 1: mean, it's good to see\n\nChannel 0: Yeah.\n\nChannel 1: Quite\n\nChannel 0: That's\n\nChannel 1: a lot\n\nChannel 0: okay. It is. It\n\nChannel 1: to\n\nChannel 0: absolutely\n\nChannel 1: take in.\n\nChannel 0: is. You can sort of see why it's good to see that document and look at it as they're going through. We sort of don't wanna kinda wanna make sure that you give you the information, but don't want you to feel like you're being spoken at. It's kind of cool. A lot of these investments have performed really well.\n\nEssentially, we just want to make sure things are working harder for you, make some changes. It is really important to update the portfolio every so often, essentially. Investments that you might have had one, two, or even three years ago do need to be updated every so often as they become out of date, don't perform as well. And even the investments we move into now, over the next one, two, or even three years down the track, they very well should be updated as well. So we'll keep reviewing and updating things moving forward.\n\nThere's also changes to investments that we can also look at to take advantage of down the track there as well. But\n\nChannel 1: Mhmm.\n\nChannel 0: this is sort of giving you that growth exposure whilst trying to mitigate as much market risk as we possibly can and also making the portfolio a little bit cheaper for you as well to help you save on fees where possible to keep your super working harder for you down the track. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense? Yeah.\n\nChannel 1: It does. Yeah.\n\nChannel 0: Excellent. On the next page is your cash account. Now, realistically, within Netwealth, we don't wanna hold more than 1%. You do have a little bit too much cash there at the moment, so we're also gonna take a nice big chunk of that cash and reinvest that into your portfolio for you as well. When I had a look at things, I sort of noticed that your cash is a little bit too high.\n\nYou don't really wanna have a lot of money sitting in cash. You want that to be invested in the portfolio working harder for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Essentially, down on page number 25 is the recommendations with regard to the salary sacrifice as I mentioned to have made the recommendation of around $50. I think I said $50 per week before my I do apologize. It's actually 50 per fortnight. That was a oversight on my part.\n\nEssentially, if and when you are able to look at doing that, doing it and starting earlier does allow the compounding effect to continue, but it's also gotta be within your comfort level as well. And then things can definitely change there. You are welcome to run your eyes over that section. And if at any point, you know, down the track you decide that you're comfortable reassessing that, please let me know. We can always reassess your comfort level and look at what the conductor do that can do for your super.\n\nSalary sacrifice is a great way of incorporating extra money into super just because it is a pretax deduction, so it\n\nChannel 1: Yeah. No. That's fair enough. Yep.\n\nChannel 0: document is on page number 38 39. There'll be a multiline box there, essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board. We just get you to make a little note in that just with any changes that you wanna make. And if you are just happy to proceed with the the investment switch to see how your portfolio is working, we'll get you to sign and return the document back. And as you kinda mentioned, you're not really comfortable salary sacrificing at the moment.\n\nYou could just make a little note in there to say, do wish to do not do not wish to salary sacrifice or don't proceed with salary sacrifice recommendation. And we'll look at that prior to starting any of the process and make sure that we adhere to that for you as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. The only other things that we've got in there is just making sure that you do have a will, power of attorney, and any estate planning documents done up as well. Those are obviously quite important to do to protect everything you've got, so we do add those recommendations in there for you as well. Okay.\n\nChannel 1: Yes. Saw that there. Yep.\n\nChannel 0: Yeah. All good. Do you happen to have any questions at the moment at all? Or\n\nChannel 1: Not really. No. No.\n\nChannel 0: no. That's okay.\n\nChannel 1: Just need\n\nChannel 0: Depending\n\nChannel 1: a crystal\n\nChannel 0: on\n\nChannel 1: ball\n\nChannel 0: how\n\nChannel 1: so that we can make more.\n\nChannel 0: I know. I know. Definitely. What I would like to do with you there, Bethelia, is make sure that we do touch base maybe in about sort of three to six months depending on your comfort level just to see how things are going once the implementation process has gone through just so we can keep track of what's happening with your super, and look at whether any new changes need to be updated. Would you prefer three or six months?\n\nWhat's more comfortable for you?\n\nChannel 1: Let's go after six months because Christmas is coming up and it gets pretty easy.\n\nChannel 0: Yeah. Yeah. Absolutely. Not a problem at all. We'll do six months there for you.\n\nSo my team will give you a call prior to that, and that will just touch base, book you in with me. We'll have a little chat about what's happening, see if there's any new advice to provide there for you, and also just run through what's happening with the portfolio just to keep track of everything in a little bit more detail, make sure things are working a bit harder for you. How does that sound?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Fantastic. Depending on how much you enjoy reading, we do also have attached the product disclosure statements, you know, and any additional research material with regards to the advice document. And we've also attached the ongoing service agreement there as well, so that is due to be renewed.\n\nIt just allows us to continue providing our services, providing advice, and updating things for you. And you do pay an ongoing service fee of 1.65% there on a yearly basis, which is deducted out of super on a monthly basis in smaller monthly increments there. Do you have any questions about that at all?\n\nChannel 1: No. No. I understand all\n\nChannel 0: No.\n\nChannel 1: of that. Yep.\n\nChannel 0: Yep. That's okay. Not a problem at all. I don't wanna take up too much more of your time because I know you're extremely busy, but I do appreciate you taking my call. Is there anything that's come to mind question wise or anything you might need from me at the moment?\n\nOr\n\nChannel 1: No. Not at the moment.\n\nChannel 0: no. That's okay.\n\nChannel 1: No.\n\nChannel 0: All good. Well, I will let you go. You're welcome to review the document once you're happy to take on board any of the recommendations. So just ask your son and return it back, and just leave that little note on that last page there with regard to the salary sacrifice if you choose not to take that on board, which is absolutely fine. I will definitely be making sure we catch up in six months to see how things are tracking there for you.\n\nBut if you do find you have any questions at any point, in my world, there's no such thing as a silly question. If there's something that you need help with or, you know, wanted to ask us, you're more than welcome to let me know. And I can just research it, look at it, or have a chat to you about it, whatever you need.\n\nChannel 1: Yes.\n\nChannel 0: And I'll definitely look forward to catching up with you and seeing how things are working and and getting your super back on track\n\nChannel 1: No\n\nChannel 0: for\n\nChannel 1: worries.\n\nChannel 0: you as well.\n\nChannel 1: Appreciate\n\nChannel 0: Okay.\n\nChannel 1: it.\n\nChannel 0: Thank you. My pleasure. You have a lovely afternoon. Thank you for taking my call.\n\nChannel 1: Thank you. You\n\nChannel 0: Thanks,\n\nChannel 1: too.\n\nChannel 0: Ophelia.\n\nChannel 1: Have a good day.\n\nChannel 0: You\n\nChannel 1: Okay.\n\nChannel 0: too. Have a\n\nChannel 1: Bye.\n\nChannel 0: see you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.022804761305451393}],"sentiment":"neutral","sentiment_score":0.022804761305451393,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Bethelia.","start":2.8799999,"end":3.84,"sentiment":"neutral","sentiment_score":0.10902566090226173},{"text":"This is Dana from OZ Financial.","start":3.84,"end":5.54,"sentiment":"neutral","sentiment_score":0.1504429578781128},{"text":"How are you this afternoon?","start":5.68,"end":6.98,"sentiment":"neutral","sentiment_score":0.1973096787929535}],"sentiment":"neutral","sentiment_score":0.16209672792599752,"channel":0,"num_words":13,"start":2.8799999,"end":6.98},{"sentences":[{"text":"I'm good.","start":7.6,"end":8.34,"sentiment":"positive","sentiment_score":0.5450771152973175}],"sentiment":"positive","sentiment_score":0.5450771152973175,"channel":1,"num_words":2,"start":7.6,"end":8.34},{"sentences":[{"text":"That's good.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6534499526023865},{"text":"I had people looking to go through your updated statement of advice with regard to your super.","start":9.5199995,"end":13.28,"sentiment":"neutral","sentiment_score":0.27841389792806964},{"text":"Is now still a good time there for you?","start":13.28,"end":15.315,"sentiment":"neutral","sentiment_score":0.24507170584466723}],"sentiment":"neutral","sentiment_score":0.2944850543779986,"channel":0,"num_words":28,"start":9.04,"end":15.315},{"sentences":[{"text":"Yeah.","start":16.025,"end":16.255,"sentiment":"neutral","sentiment_score":0.14804677665233612},{"text":"That's fine.","start":16.255,"end":17.005,"sentiment":"neutral","sentiment_score":0.20878571271896362}],"sentiment":"neutral","sentiment_score":0.18853940069675446,"channel":1,"num_words":3,"start":16.025,"end":17.005},{"sentences":[{"text":"Yep.","start":17.234999,"end":17.715,"sentiment":"neutral","sentiment_score":0.302287220954895},{"text":"Fantastic.","start":17.715,"end":18.215,"sentiment":"positive","sentiment_score":0.5679035186767578},{"text":"Before we could jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":18.835,"end":23.234999,"sentiment":"neutral","sentiment_score":0.19397968934340912},{"text":"Are you happy for me to proceed with that?","start":23.234999,"end":25.255,"sentiment":"neutral","sentiment_score":0.20842185450924766}],"sentiment":"neutral","sentiment_score":0.21253153320514795,"channel":0,"num_words":33,"start":17.234999,"end":25.255},{"sentences":[{"text":"Mhmm.","start":25.865,"end":26.365,"sentiment":"neutral","sentiment_score":0.0885770246386528}],"sentiment":"neutral","sentiment_score":0.0885770246386528,"channel":1,"num_words":1,"start":25.865,"end":26.365},{"sentences":[{"text":"Fantastic.","start":26.835,"end":27.335,"sentiment":"positive","sentiment_score":0.33491480350494385},{"text":"And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file.","start":27.474998,"end":33.69,"sentiment":"neutral","sentiment_score":0.2018771592913003}],"sentiment":"neutral","sentiment_score":0.20631174743175507,"channel":0,"num_words":30,"start":26.835,"end":33.69},{"sentences":[{"text":"Basilia and Brightest, 23rd Of The 2nd 776 Muscat Court, Brother Lane.","start":34.79,"end":40.89,"sentiment":"neutral","sentiment_score":0.10616873763501644}],"sentiment":"neutral","sentiment_score":0.10616873763501644,"channel":1,"num_words":12,"start":34.79,"end":40.89},{"sentences":[{"text":"Fantastic.","start":41.43,"end":41.93,"sentiment":"positive","sentiment_score":0.5729627013206482},{"text":"Thank you so much.","start":42.23,"end":43.37,"sentiment":"positive","sentiment_score":0.5763360857963562},{"text":"Bethelia, we do normally send through to review.","start":43.43,"end":47.265,"sentiment":"neutral","sentiment_score":0.025696302764117718},{"text":"My system's a little bit slow and not working at the moment.","start":47.805,"end":51.185,"sentiment":"neutral","sentiment_score":-0.19092569748560587},{"text":"Are you okay if I start by going through the advice with you and then I can send them through when they're when when it's working properly for me.","start":51.645,"end":59.59,"sentiment":"neutral","sentiment_score":-0.0008550509810447694}],"sentiment":"neutral","sentiment_score":0.014221715154471222,"channel":0,"num_words":54,"start":41.43,"end":59.59},{"sentences":[{"text":"Is that okay?","start":59.59,"end":60.309998,"sentiment":"neutral","sentiment_score":0.010077095900972685},{"text":"Or did you want me","start":60.309998,"end":61.109997,"sentiment":"neutral","sentiment_score":-0.042407382279634476}],"sentiment":"neutral","sentiment_score":-0.02272570296190679,"channel":0,"num_words":8,"start":59.59,"end":61.109997},{"sentences":[{"text":"Mhmm.","start":61.05,"end":61.55,"sentiment":"neutral","sentiment_score":-0.050838783383369446}],"sentiment":"neutral","sentiment_score":-0.050838783383369446,"channel":1,"num_words":1,"start":61.05,"end":61.55},{"sentences":[{"text":"to sort of hold off until you can see the document?","start":61.109997,"end":63.51,"sentiment":"neutral","sentiment_score":-0.06318491392514923},{"text":"What sort of preferred more for yourself?","start":63.51,"end":65.45,"sentiment":"neutral","sentiment_score":-0.04966455724622522}],"sentiment":"neutral","sentiment_score":-0.057926997438901,"channel":0,"num_words":18,"start":61.109997,"end":65.45},{"sentences":[{"text":"It's probably gonna be fine.","start":66.33,"end":67.93,"sentiment":"neutral","sentiment_score":0.0071468346985057},{"text":"Yep.","start":67.93,"end":68.43,"sentiment":"neutral","sentiment_score":0.04643426463007927}],"sentiment":"neutral","sentiment_score":0.013694739687101295,"channel":1,"num_words":6,"start":66.33,"end":68.43},{"sentences":[{"text":"Yeah.","start":68.79,"end":69.19,"sentiment":"neutral","sentiment_score":0.07193031907081604},{"text":"That's okay.","start":69.19,"end":70.09,"sentiment":"neutral","sentiment_score":0.10895148664712906},{"text":"All good.","start":70.15,"end":70.549995,"sentiment":"neutral","sentiment_score":0.19965513795614243},{"text":"Well, I'll start by going through.","start":70.549995,"end":72.07,"sentiment":"neutral","sentiment_score":0.027888077932099502},{"text":"As soon as my system is up running, I've got the IT man here sort of helping me at the moment.","start":72.07,"end":76.305,"sentiment":"neutral","sentiment_score":0.01416563471069648}],"sentiment":"neutral","sentiment_score":0.03606094889983069,"channel":0,"num_words":32,"start":68.79,"end":76.305},{"sentences":[{"text":"As soon as that is ready to go, I'll get it sent off to you, and I'll let you know when you can check your emails there.","start":76.365,"end":82.525,"sentiment":"neutral","sentiment_score":0.026005996943072037},{"text":"Apologies about that.","start":82.525,"end":83.645004,"sentiment":"neutral","sentiment_score":-0.14684366683165231},{"text":"Love technology when it wants to work for us.","start":83.645004,"end":86.065,"sentiment":"neutral","sentiment_score":-0.012859476316306327}],"sentiment":"neutral","sentiment_score":0.003740913592852079,"channel":0,"num_words":39,"start":76.365,"end":86.065},{"sentences":[{"text":"Yep.","start":86.355,"end":86.855,"sentiment":"neutral","sentiment_score":0.0517190545797348},{"text":"Definitely.","start":86.915,"end":87.415,"sentiment":"neutral","sentiment_score":0.14180287718772888}],"sentiment":"neutral","sentiment_score":0.09676096588373184,"channel":1,"num_words":2,"start":86.355,"end":87.415},{"sentences":[{"text":"All all good.","start":87.68,"end":89.14,"sentiment":"neutral","sentiment_score":0.2347035457690557},{"text":"Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation.","start":89.68,"end":95.7,"sentiment":"neutral","sentiment_score":0.04855596685880109},{"text":"So when we sort of did your last annual review, we were looking at maybe updating things.","start":96.08,"end":99.92,"sentiment":"neutral","sentiment_score":0.03958225447465392},{"text":"I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you.","start":100.16,"end":106.035,"sentiment":"neutral","sentiment_score":0.0552575416289843},{"text":"But we also talked about, essentially, your goal.","start":106.495,"end":109.475,"sentiment":"neutral","sentiment_score":0.056678393855690956}],"sentiment":"neutral","sentiment_score":0.0573930899574332,"channel":0,"num_words":73,"start":87.68,"end":109.475},{"sentences":[{"text":"Back then, you were wanting to access super around about the age of 70.","start":109.695,"end":113.795,"sentiment":"neutral","sentiment_score":0.031680173839309385},{"text":"Is that still feeling fairly appropriate goal wise for yourself, or do you think there may have been some changes since then?","start":113.855,"end":119.71,"sentiment":"neutral","sentiment_score":0.14291462759402665}],"sentiment":"neutral","sentiment_score":0.09965678446719216,"channel":0,"num_words":36,"start":109.695,"end":119.71},{"sentences":[{"text":"Ideally, it would be lovely, but, yeah, we'll have to wait and see when that happens.","start":121.299995,"end":125.32,"sentiment":"neutral","sentiment_score":0.09962884546257555}],"sentiment":"neutral","sentiment_score":0.09962884546257555,"channel":1,"num_words":16,"start":121.299995,"end":125.32},{"sentences":[{"text":"No.","start":126.565,"end":126.805,"sentiment":"neutral","sentiment_score":-0.13743866980075836},{"text":"That's okay.","start":126.805,"end":127.604996,"sentiment":"neutral","sentiment_score":-0.04576137848198414},{"text":"Well, I'll tell you what.","start":127.604996,"end":128.405,"sentiment":"neutral","sentiment_score":0.1471848040819168},{"text":"We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier.","start":128.405,"end":134.725,"sentiment":"neutral","sentiment_score":0.21885834605647966},{"text":"That","start":134.725,"end":134.965,"sentiment":"neutral","sentiment_score":0.20425237715244293}],"sentiment":"neutral","sentiment_score":0.18290091337902206,"channel":0,"num_words":35,"start":126.565,"end":134.965},{"sentences":[{"text":"Yep.","start":134.745,"end":135.245,"sentiment":"neutral","sentiment_score":0.27559465169906616}],"sentiment":"neutral","sentiment_score":0.27559465169906616,"channel":1,"num_words":1,"start":134.745,"end":135.245},{"sentences":[{"text":"way, you hopefully don't have to work as long as you think you do.","start":134.965,"end":137.605,"sentiment":"neutral","sentiment_score":0.2820342502423695},{"text":"How does that sound?","start":137.605,"end":138.745,"sentiment":"neutral","sentiment_score":0.2752305120229721},{"text":"Lovely.","start":140.81999,"end":141.31999,"sentiment":"positive","sentiment_score":0.7278313636779785},{"text":"Fantastic.","start":141.45999,"end":141.95999,"sentiment":"positive","sentiment_score":0.7518585920333862}],"sentiment":"neutral","sentiment_score":0.3264545753598213,"channel":0,"num_words":20,"start":134.965,"end":141.95999},{"sentences":[{"text":"Yep.","start":141.5325,"end":142.0325,"sentiment":"positive","sentiment_score":0.39516758918762207}],"sentiment":"positive","sentiment_score":0.39516758918762207,"channel":1,"num_words":1,"start":141.5325,"end":142.0325},{"sentences":[{"text":"Now the other thing that we did talk about was essentially looking at ways to boost your salary to boost your super sorry.","start":142.73999,"end":148.5,"sentiment":"neutral","sentiment_score":0.18036418343367783},{"text":"So looking at salary sacrifice is an option there.","start":148.5,"end":151.215,"sentiment":"neutral","sentiment_score":0.09711205793751611},{"text":"When we spoke last time, you were comfortable with starting with a smaller amount looking at what that can do and then kinda reviewing and building up down that on that down the track as well.","start":151.69499,"end":160.735,"sentiment":"neutral","sentiment_score":0.1999879963696003},{"text":"Does that still feel fairly appropriate for you?","start":160.735,"end":163.47,"sentiment":"neutral","sentiment_score":0.14768760185688734}],"sentiment":"neutral","sentiment_score":0.17636122927069664,"channel":0,"num_words":76,"start":142.73999,"end":163.47},{"sentences":[{"text":"No.","start":164.375,"end":164.695,"sentiment":"neutral","sentiment_score":-0.15171323716640472},{"text":"Not at the moment with the cost of living and everything.","start":164.695,"end":166.955,"sentiment":"neutral","sentiment_score":-0.2584124898368662}],"sentiment":"neutral","sentiment_score":-0.24952088544766107,"channel":1,"num_words":12,"start":164.375,"end":166.955},{"sentences":[{"text":"You're not not gonna be able to salary sacrifice anything in there?","start":167.47,"end":171.17,"sentiment":"neutral","sentiment_score":-0.22848446170488992}],"sentiment":"neutral","sentiment_score":-0.22848446170488992,"channel":0,"num_words":12,"start":167.47,"end":171.17},{"sentences":[{"text":"No.","start":171.495,"end":171.995,"sentiment":"neutral","sentiment_score":-0.11251656711101532}],"sentiment":"neutral","sentiment_score":-0.11251656711101532,"channel":1,"num_words":1,"start":171.495,"end":171.995},{"sentences":[{"text":"No.","start":172.67,"end":172.91,"sentiment":"neutral","sentiment_score":-0.0917247012257576},{"text":"That's okay.","start":172.91,"end":173.73,"sentiment":"neutral","sentiment_score":-0.043418554589152336},{"text":"Well, essentially, with with the advice, I had initially recommended that you did start salary sacrificing about $50 per week into the super fund just to kind of build on that.","start":174.19,"end":183.83499,"sentiment":"neutral","sentiment_score":0.04643722106852839},{"text":"Essentially, that because realistically with your super and with your age and where you are to kinda help it to make it work a little bit harder, Providing that bit of extra boost is really important down the track.","start":184.375,"end":194.72,"sentiment":"neutral","sentiment_score":0.1064500548900702},{"text":"But if you can't now, once you've gone through the advice document, on the very last page, we do just have a little, like, a multiline box.","start":194.72,"end":202.18,"sentiment":"neutral","sentiment_score":0.06810629843837684}],"sentiment":"neutral","sentiment_score":0.07251414241269231,"channel":0,"num_words":100,"start":172.67,"end":202.18},{"sentences":[{"text":"So if you're not wanting to proceed with the salary sacrifice for the time being, we'll just get you to pop that in there for us.","start":202.23999,"end":207.43501,"sentiment":"neutral","sentiment_score":0.037610335991932795},{"text":"Okay?","start":207.43501,"end":207.93501,"sentiment":"neutral","sentiment_score":0.07640093564987183}],"sentiment":"neutral","sentiment_score":0.03904702486815276,"channel":0,"num_words":27,"start":202.23999,"end":207.93501},{"sentences":[{"text":"Yes.","start":208.26001,"end":208.76001,"sentiment":"neutral","sentiment_score":0.15404298901557922},{"text":"Yep.","start":208.98001,"end":209.48001,"sentiment":"neutral","sentiment_score":0.2119556665420532}],"sentiment":"neutral","sentiment_score":0.18299932777881622,"channel":1,"num_words":2,"start":208.26001,"end":209.48001},{"sentences":[{"text":"Excellent.","start":209.27501,"end":209.77501,"sentiment":"positive","sentiment_score":0.4682365655899048},{"text":"Now just to kind of run you to the recommendation, so I did have a bit of a look at your net wealth as well as all the other super funds out there to sort of see whether this was still appropriate for you and how we could readjust your portfolio for you so that you things were working a bit harder for you.","start":210.71501,"end":224.78,"sentiment":"neutral","sentiment_score":0.17268542473902926},{"text":"I have made a recommendation there to retain net wealth.","start":225.16,"end":229.02,"sentiment":"neutral","sentiment_score":0.16226347386837006},{"text":"Essentially, one of the things I do look at when we are adjusting the portfolios is your I'm not sure if I went through with you, but your super fund, just like you, does a tax return every year.","start":229.48001,"end":238.275,"sentiment":"neutral","sentiment_score":0.11729627465590453},{"text":"Your super pays income tax and capital gains tax as well.","start":238.355,"end":241.89499,"sentiment":"neutral","sentiment_score":0.11612357334657149}],"sentiment":"neutral","sentiment_score":0.15195722004771234,"channel":0,"num_words":125,"start":209.27501,"end":241.89499},{"sentences":[{"text":"So, essentially, what we do wanna look at is capital gains consequences when we do change or, you know, ultra investment portfolios, essentially.","start":242.435,"end":251.17499,"sentiment":"neutral","sentiment_score":0.08252635808742564},{"text":"If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there.","start":251.82,"end":262.62,"sentiment":"neutral","sentiment_score":0.02687432012847952},{"text":"So we wanted to try and limit that as much as possible.","start":262.62,"end":265.28,"sentiment":"neutral","sentiment_score":0.1426298525184393},{"text":"So retaining Netwealth was more appropriate to limit that cost on your super fund,","start":265.595,"end":270.17502,"sentiment":"positive","sentiment_score":0.33919075770037516}],"sentiment":"neutral","sentiment_score":0.10875215021850065,"channel":0,"num_words":86,"start":242.435,"end":270.17502},{"sentences":[{"text":"Yep.","start":270.58,"end":271.08,"sentiment":"positive","sentiment_score":0.36929887533187866}],"sentiment":"positive","sentiment_score":0.36929887533187866,"channel":1,"num_words":1,"start":270.58,"end":271.08},{"sentences":[{"text":"and then essentially switch the investments within that for you.","start":270.795,"end":274.575,"sentiment":"positive","sentiment_score":0.35991831719875333},{"text":"With the recommendation and I believe the email should have been sent.","start":275.035,"end":278.89502,"sentiment":"neutral","sentiment_score":0.2373892441391945},{"text":"Oh, it's on its way to you.","start":279.18,"end":280.46,"sentiment":"neutral","sentiment_score":0.19304493495396205},{"text":"Sorry.","start":280.46,"end":280.7,"sentiment":"neutral","sentiment_score":0.019204527139663696},{"text":"Hopefully, it comes through very, very shortly.","start":280.7,"end":282.62,"sentiment":"neutral","sentiment_score":0.14550616698605673}],"sentiment":"neutral","sentiment_score":0.23883557682101791,"channel":0,"num_words":37,"start":270.795,"end":282.62},{"sentences":[{"text":"If you can let me know when it does, but it looks like it is sending through to you now.","start":282.62,"end":286.72,"sentiment":"neutral","sentiment_score":0.1115360364317894},{"text":"But, essentially, with the super, as I kinda mentioned, just retaining Netwealth as it is, but adjusting the portfolio within there.","start":287.5,"end":293.625,"sentiment":"neutral","sentiment_score":0.1266012732826528},{"text":"I have had a look at ways to adjust the portfolio, so it is working harder for you.","start":294.105,"end":298.365,"sentiment":"neutral","sentiment_score":0.16195787572198445},{"text":"And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good.","start":298.585,"end":307.38,"sentiment":"positive","sentiment_score":0.38324945100716185},{"text":"A few less fees to consider and more money sitting in your super working harder for you.","start":307.86002,"end":313.32,"sentiment":"positive","sentiment_score":0.3633530236342374}],"sentiment":"neutral","sentiment_score":0.23762091596682483,"channel":0,"num_words":104,"start":282.62,"end":313.32},{"sentences":[{"text":"Yes.","start":313.945,"end":314.445,"sentiment":"positive","sentiment_score":0.3394070863723755}],"sentiment":"positive","sentiment_score":0.3394070863723755,"channel":1,"num_words":1,"start":313.945,"end":314.445},{"sentences":[{"text":"The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598.","start":314.34,"end":324.635,"sentiment":"positive","sentiment_score":0.4449573042600051},{"text":"So I wasn't able to reduce it any further than that.","start":324.635,"end":327.29498,"sentiment":"neutral","sentiment_score":0.28776543790643866},{"text":"But, essentially, when I looked at what the portfolio was doing and the fees for switching investments around, we look at what the savings are and how long it is to make those to make the CGT consequences back.","start":327.51498,"end":339.32,"sentiment":"neutral","sentiment_score":0.21988939837767527},{"text":"So, realistically, the investment savings there essentially would cover the cost of the the CGT within about two years without any additional growth there.","start":339.32,"end":349.725,"sentiment":"neutral","sentiment_score":0.2449693096180757},{"text":"So it does work in your benefit.","start":349.725,"end":351.345,"sentiment":"neutral","sentiment_score":0.28624313856874195}],"sentiment":"neutral","sentiment_score":0.28709701685091626,"channel":0,"num_words":104,"start":314.34,"end":351.345},{"sentences":[{"text":"Okay?","start":351.645,"end":352.145,"sentiment":"neutral","sentiment_score":0.22069227695465088}],"sentiment":"neutral","sentiment_score":0.22069227695465088,"channel":0,"num_words":1,"start":351.645,"end":352.145},{"sentences":[{"text":"Yep.","start":352.65,"end":353.15,"sentiment":"neutral","sentiment_score":0.2590193748474121},{"text":"Sounds good.","start":353.21,"end":354.03,"sentiment":"positive","sentiment_score":0.5858881771564484}],"sentiment":"positive","sentiment_score":0.47693190972010296,"channel":1,"num_words":3,"start":352.65,"end":354.03},{"sentences":[{"text":"Beautiful.","start":353.885,"end":354.385,"sentiment":"positive","sentiment_score":0.6270239353179932},{"text":"Essentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there.","start":356.125,"end":367.32,"sentiment":"neutral","sentiment_score":0.10282388922611349},{"text":"Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you.","start":367.78,"end":376.44,"sentiment":"neutral","sentiment_score":-0.08629934832050994},{"text":"When we sort of touched base and did the the risk profiling as well, we also talked about remaining in that growth portfolio.","start":377.01498,"end":383.35498,"sentiment":"neutral","sentiment_score":0.00355284175147181},{"text":"Do you remember kinda going to that risk profile, talking about the eighty twenty status split with regard to the growth in defensive assets?","start":383.81497,"end":390.85498,"sentiment":"neutral","sentiment_score":0.010825788912673792}],"sentiment":"neutral","sentiment_score":0.01368122058731269,"channel":0,"num_words":123,"start":353.885,"end":390.85498},{"sentences":[{"text":"Do you remember how that works?","start":390.85498,"end":392.31497,"sentiment":"neutral","sentiment_score":0.02027524635195732}],"sentiment":"neutral","sentiment_score":0.02027524635195732,"channel":0,"num_words":6,"start":390.85498,"end":392.31497},{"sentences":[{"text":"Yeah.","start":393.225,"end":393.465,"sentiment":"neutral","sentiment_score":0.022519811987876892},{"text":"A little bit.","start":393.465,"end":394.025,"sentiment":"neutral","sentiment_score":0.026821041479706764},{"text":"Yeah.","start":394.025,"end":394.525,"sentiment":"neutral","sentiment_score":0.037402570247650146}],"sentiment":"neutral","sentiment_score":0.028077101334929466,"channel":1,"num_words":5,"start":393.225,"end":394.525},{"sentences":[{"text":"Yeah.","start":394.99,"end":395.22998,"sentiment":"neutral","sentiment_score":0.05210752412676811},{"text":"That's okay.","start":395.22998,"end":395.87,"sentiment":"neutral","sentiment_score":0.07874350249767303},{"text":"Did you want me to talk you through that?","start":395.87,"end":397.88998,"sentiment":"neutral","sentiment_score":0.028573838890426688}],"sentiment":"neutral","sentiment_score":0.038896589927996196,"channel":0,"num_words":12,"start":394.99,"end":397.88998},{"sentences":[{"text":"Yeah.","start":400.025,"end":400.345,"sentiment":"neutral","sentiment_score":0.04411494731903076},{"text":"Spouse it can't hurt.","start":400.345,"end":401.305,"sentiment":"neutral","sentiment_score":0.0620592525228858},{"text":"Yeah.","start":401.305,"end":401.805,"sentiment":"neutral","sentiment_score":0.05505450814962387}],"sentiment":"neutral","sentiment_score":0.0579010775933663,"channel":1,"num_words":6,"start":400.025,"end":401.805},{"sentences":[{"text":"No.","start":402.27,"end":402.59,"sentiment":"neutral","sentiment_score":0.061928339302539825},{"text":"That's okay.","start":402.59,"end":403.38998,"sentiment":"neutral","sentiment_score":0.10471228510141373},{"text":"So with that growth environment, you see about 80% of the super invested in growth assets.","start":403.38998,"end":408.475,"sentiment":"neutral","sentiment_score":0.13975938316434622},{"text":"So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in low risk defensive investments there.","start":408.475,"end":418.55502,"sentiment":"neutral","sentiment_score":0.11538342566325746},{"text":"So thinking things like a a fixed interest, cash, and bonds.","start":418.55502,"end":421.935,"sentiment":"neutral","sentiment_score":0.10098709640177814}],"sentiment":"neutral","sentiment_score":0.11804204143710055,"channel":0,"num_words":59,"start":402.27,"end":421.935},{"sentences":[{"text":"Essentially, being in that kind of environment, it suits somebody who has about six years before they're wanting to access their super debts.","start":423.27002,"end":429.59,"sentiment":"neutral","sentiment_score":0.13204253788875497},{"text":"You do have that time horizon ahead of you, which is good.","start":429.59,"end":432.41,"sentiment":"neutral","sentiment_score":0.21434317405025163},{"text":"We would agree to sort of stay in that growth environment there.","start":433.35,"end":436.15,"sentiment":"neutral","sentiment_score":0.14402639803787073},{"text":"So I have done so, and I've looked at making some changes to kinda get the best growth out of your super fund.","start":436.15,"end":441.815,"sentiment":"neutral","sentiment_score":0.21905073977035025},{"text":"And the newer portfolio, when we look at the last five years, has averaged about 10.71.","start":442.035,"end":447.155,"sentiment":"neutral","sentiment_score":0.20819592103362083}],"sentiment":"neutral","sentiment_score":0.18263622078784678,"channel":0,"num_words":86,"start":423.27002,"end":447.155},{"sentences":[{"text":"So this newer portfolio works out to be cheaper for you, which is good, but it also has seen greater growth over the past.","start":447.155,"end":454.19,"sentiment":"positive","sentiment_score":0.4112376769383748},{"text":"So that over the next five to ten years can definitely put you in a much greater position, which is what we would like to see happening for your super.","start":454.19,"end":460.69,"sentiment":"positive","sentiment_score":0.5313622564077377},{"text":"Okay?","start":460.91,"end":461.41,"sentiment":"neutral","sentiment_score":0.1039428636431694}],"sentiment":"positive","sentiment_score":0.4711729964072054,"channel":0,"num_words":55,"start":447.155,"end":461.41},{"sentences":[{"text":"Yep.","start":461.33002,"end":461.83002,"sentiment":"neutral","sentiment_score":0.05073767155408859}],"sentiment":"neutral","sentiment_score":0.05073767155408859,"channel":1,"num_words":1,"start":461.33002,"end":461.83002},{"sentences":[{"text":"I know it is a lot to kinda go through when you're not able to see the documents there, but do you have any questions at the moment at all?","start":462.35,"end":468.72498,"sentiment":"neutral","sentiment_score":0.015281773296495278},{"text":"I'm so sorry.","start":468.72498,"end":469.54498,"sentiment":"neutral","sentiment_score":-0.21190147598584494}],"sentiment":"neutral","sentiment_score":-0.005371249365535649,"channel":0,"num_words":33,"start":462.35,"end":469.54498},{"sentences":[{"text":"Not at the moment.","start":471.155,"end":472.035,"sentiment":"neutral","sentiment_score":-0.25299565494060516},{"text":"No.","start":472.035,"end":472.355,"sentiment":"neutral","sentiment_score":-0.15010395646095276},{"text":"No.","start":472.355,"end":472.855,"sentiment":"neutral","sentiment_score":-0.12662582099437714}],"sentiment":"neutral","sentiment_score":-0.21478539953629175,"channel":1,"num_words":6,"start":471.155,"end":472.855},{"sentences":[{"text":"No.","start":472.805,"end":473.04498,"sentiment":"neutral","sentiment_score":-0.11346255242824554},{"text":"That's okay.","start":473.04498,"end":473.865,"sentiment":"neutral","sentiment_score":-0.02624056674540043},{"text":"The system's telling me the document should be on its way to you.","start":474.32498,"end":477.525,"sentiment":"neutral","sentiment_score":0.05251411205300918},{"text":"Are you able to just refresh that at all just to sort of see?","start":477.525,"end":480.905,"sentiment":"neutral","sentiment_score":0.005838098802736827}],"sentiment":"neutral","sentiment_score":0.019949105133612952,"channel":0,"num_words":30,"start":472.805,"end":480.905},{"sentences":[{"text":"Yeah.","start":481.315,"end":481.635,"sentiment":"neutral","sentiment_score":-0.008048524148762226},{"text":"No.","start":481.635,"end":481.795,"sentiment":"neutral","sentiment_score":-0.058043647557497025},{"text":"It's just turned up now.","start":481.795,"end":483.095,"sentiment":"neutral","sentiment_score":-0.03272528871893883},{"text":"Yep.","start":483.155,"end":483.655,"sentiment":"neutral","sentiment_score":0.08196743577718735}],"sentiment":"neutral","sentiment_score":-0.018468897440470755,"channel":1,"num_words":8,"start":481.315,"end":483.655},{"sentences":[{"text":"Oh, beautiful.","start":483.35,"end":484.16998,"sentiment":"neutral","sentiment_score":0.26915398240089417},{"text":"Sorry about that.","start":484.31,"end":485.37,"sentiment":"neutral","sentiment_score":-0.001587974528471629}],"sentiment":"neutral","sentiment_score":0.1067088082432747,"channel":0,"num_words":5,"start":483.35,"end":485.37},{"sentences":[{"text":"That's okay.","start":485.61002,"end":486.43,"sentiment":"neutral","sentiment_score":0.08960044384002686},{"text":"Alright.","start":488.49,"end":488.99,"sentiment":"neutral","sentiment_score":0.05192209407687187},{"text":"So where did you say I needed to check no for the salary price.","start":490.81,"end":497.375,"sentiment":"neutral","sentiment_score":-0.016581003421119282}],"sentiment":"neutral","sentiment_score":-0.0000594744787496679,"channel":1,"num_words":17,"start":485.61002,"end":497.375},{"sentences":[{"text":"Oh, that'll be on the very last page.","start":497.545,"end":499.465,"sentiment":"neutral","sentiment_score":0.002842930145561695},{"text":"I'll take you down to that in a second.","start":499.465,"end":501.30502,"sentiment":"neutral","sentiment_score":0.017671522684395313},{"text":"If you can","start":501.30502,"end":501.785,"sentiment":"neutral","sentiment_score":0.0135825847585996}],"sentiment":"neutral","sentiment_score":0.011126744979992508,"channel":0,"num_words":20,"start":497.545,"end":501.785},{"sentences":[{"text":"Okay.","start":501.755,"end":502.255,"sentiment":"neutral","sentiment_score":0.01906852051615715}],"sentiment":"neutral","sentiment_score":0.01906852051615715,"channel":1,"num_words":1,"start":501.755,"end":502.255},{"sentences":[{"text":"just pop to page number 20 for me.","start":501.785,"end":503.86502,"sentiment":"neutral","sentiment_score":0.025188349653035402},{"text":"This is the table where the fees and the the outlining is that I just went through just to kinda give you clarification.","start":503.86502,"end":509.565,"sentiment":"neutral","sentiment_score":0.032830067545823426}],"sentiment":"neutral","sentiment_score":0.03085801131542652,"channel":0,"num_words":31,"start":501.785,"end":509.565},{"sentences":[{"text":"Yep.","start":510.99,"end":511.49,"sentiment":"neutral","sentiment_score":0.04896137863397598}],"sentiment":"neutral","sentiment_score":0.04896137863397598,"channel":1,"num_words":1,"start":510.99,"end":511.49},{"sentences":[{"text":"Yeah.","start":512.105,"end":512.605,"sentiment":"neutral","sentiment_score":0.03991212695837021}],"sentiment":"neutral","sentiment_score":0.03991212695837021,"channel":0,"num_words":1,"start":512.105,"end":512.605},{"sentences":[{"text":"Mhmm.","start":513.07,"end":513.57,"sentiment":"neutral","sentiment_score":0.03806713968515396},{"text":"Okay.","start":515.23,"end":515.73,"sentiment":"neutral","sentiment_score":0.05371606349945069}],"sentiment":"neutral","sentiment_score":0.04589160159230232,"channel":1,"num_words":2,"start":513.07,"end":515.73},{"sentences":[{"text":"You can yeah.","start":515.78,"end":517.16003,"sentiment":"neutral","sentiment_score":0.052485947807629905},{"text":"Just let me know when you can see that page there.","start":521.22003,"end":523.64,"sentiment":"neutral","sentiment_score":0.042955510318279266}],"sentiment":"neutral","sentiment_score":0.04499774692314012,"channel":0,"num_words":14,"start":515.78,"end":523.64},{"sentences":[{"text":"Yep.","start":524.475,"end":524.71497,"sentiment":"neutral","sentiment_score":0.030082261189818386},{"text":"No.","start":524.71497,"end":524.915,"sentiment":"neutral","sentiment_score":-0.025241335853934288},{"text":"I'm getting in front of me now.","start":524.915,"end":526.255,"sentiment":"neutral","sentiment_score":-0.03785493890089648}],"sentiment":"neutral","sentiment_score":-0.028904849663376808,"channel":1,"num_words":9,"start":524.475,"end":526.255},{"sentences":[{"text":"Yep.","start":526.34,"end":526.74,"sentiment":"neutral","sentiment_score":0.2099764794111252},{"text":"Beautiful.","start":526.74,"end":527.24,"sentiment":"positive","sentiment_score":0.4277255833148956},{"text":"So that fee comparison table shows your current portfolio versus the recommended.","start":527.97504,"end":532.23505,"sentiment":"neutral","sentiment_score":0.1764242189625899},{"text":"It does have your balance there as of the date we've prepared the documents here, and then it's showing that the differences column has the CGT effect.","start":532.775,"end":540.455,"sentiment":"neutral","sentiment_score":0.12684376344636636},{"text":"So we do understand and estimate there is always a tax effect for changing buying and selling investments.","start":540.455,"end":546.25,"sentiment":"neutral","sentiment_score":0.042455845719410315}],"sentiment":"neutral","sentiment_score":0.11769117841149791,"channel":0,"num_words":59,"start":526.34,"end":546.25},{"sentences":[{"text":"And in","start":546.79,"end":547.11,"sentiment":"neutral","sentiment_score":0.01751798391342163}],"sentiment":"neutral","sentiment_score":0.01751798391342163,"channel":0,"num_words":2,"start":546.79,"end":547.11},{"sentences":[{"text":"Mhmm.","start":547.07,"end":547.57,"sentiment":"neutral","sentiment_score":0.009328617714345455}],"sentiment":"neutral","sentiment_score":0.009328617714345455,"channel":1,"num_words":1,"start":547.07,"end":547.57},{"sentences":[{"text":"order to swap the investments around within your portfolio, the research showed that we should be about $1,598 for that one.","start":547.11,"end":556.005,"sentiment":"neutral","sentiment_score":-0.007230944310625394},{"text":"That is in no way, shape, or form has any effect on you personally.","start":556.245,"end":560.265,"sentiment":"neutral","sentiment_score":-0.19664109072514943},{"text":"It is all dealt with within Super there.","start":560.325,"end":562.405,"sentiment":"neutral","sentiment_score":-0.020502045284956694},{"text":"Okay?","start":562.405,"end":562.905,"sentiment":"neutral","sentiment_score":0.007272413000464439}],"sentiment":"neutral","sentiment_score":-0.06958111477169124,"channel":0,"num_words":44,"start":547.11,"end":562.905},{"sentences":[{"text":"Mhmm.","start":564.005,"end":564.3,"sentiment":"neutral","sentiment_score":0.06135330349206925}],"sentiment":"neutral","sentiment_score":0.06135330349206925,"channel":1,"num_words":1,"start":564.005,"end":564.3},{"sentences":[{"text":"Excellent.","start":564.885,"end":565.365,"sentiment":"positive","sentiment_score":0.3699194490909576},{"text":"And then you've also got the investment fees side of things there, and that sort of shows that at the moment, you are paying just over $1,102 in investment fees.","start":565.365,"end":573.61,"sentiment":"neutral","sentiment_score":0.22953068986535072},{"text":"This newer portfolio is much cheaper.","start":573.61,"end":575.52997,"sentiment":"positive","sentiment_score":0.36089353760083515},{"text":"So saving on average about 9 oh, sorry.","start":575.52997,"end":577.69,"sentiment":"positive","sentiment_score":0.34124443493783474},{"text":"About $777 in investment fees for the year, which is a good thing.","start":577.69,"end":582.25,"sentiment":"positive","sentiment_score":0.4231027846152966}],"sentiment":"neutral","sentiment_score":0.3043360870716901,"channel":0,"num_words":58,"start":564.885,"end":582.25},{"sentences":[{"text":"We wanna make sure that more money stays invested for you and save on fees where possible.","start":582.25,"end":586.255,"sentiment":"positive","sentiment_score":0.36266694700016694},{"text":"Okay?","start":586.255,"end":586.755,"sentiment":"neutral","sentiment_score":0.16649575531482697}],"sentiment":"positive","sentiment_score":0.3517685474620925,"channel":0,"num_words":18,"start":582.25,"end":586.755},{"sentences":[{"text":"Yes.","start":587.945,"end":588.445,"sentiment":"neutral","sentiment_score":0.3012807369232178}],"sentiment":"neutral","sentiment_score":0.3012807369232178,"channel":1,"num_words":1,"start":587.945,"end":588.445},{"sentences":[{"text":"Excellent.","start":588.815,"end":589.315,"sentiment":"positive","sentiment_score":0.488902747631073},{"text":"And there's no change to the insurance.","start":589.45496,"end":590.975,"sentiment":"neutral","sentiment_score":0.12115593041692461},{"text":"It's one of the things we did talk about was the level of cover you have.","start":590.975,"end":594.01495,"sentiment":"neutral","sentiment_score":0.25521295238286257},{"text":"You didn't wanna review that at the time.","start":594.01495,"end":596.035,"sentiment":"neutral","sentiment_score":0.07751885987818241},{"text":"So the this is no change to the insurances.","start":596.255,"end":598.435,"sentiment":"neutral","sentiment_score":0.02776482618517346}],"sentiment":"neutral","sentiment_score":0.15342526374066748,"channel":0,"num_words":41,"start":588.815,"end":598.435},{"sentences":[{"text":"However, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well.","start":598.76,"end":606.04,"sentiment":"neutral","sentiment_score":-0.28546283680659074},{"text":"So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super.","start":606.04,"end":617.655,"sentiment":"neutral","sentiment_score":-0.02572302884525723},{"text":"We want your super to go up to provide you with income in retirement, not be eaten away by insurance premiums.","start":617.655,"end":623.115,"sentiment":"neutral","sentiment_score":0.2656946693147932}],"sentiment":"neutral","sentiment_score":-0.03260849999344867,"channel":0,"num_words":92,"start":598.76,"end":623.115},{"sentences":[{"text":"Yep.","start":624.47003,"end":624.97003,"sentiment":"positive","sentiment_score":0.3351527154445648}],"sentiment":"positive","sentiment_score":0.3351527154445648,"channel":1,"num_words":1,"start":624.47003,"end":624.97003},{"sentences":[{"text":"Excellent.","start":625.45,"end":625.95,"sentiment":"positive","sentiment_score":0.5581222176551819},{"text":"On the bottom of that table there, you'll essentially see you've got your growth as the investor profile, and it shows you the five year rolling average and how things how the portfolios have been assessed or how they have performed over the past five years there.","start":626.49,"end":639.945,"sentiment":"neutral","sentiment_score":0.2207224838277127},{"text":"And then underneath that, we do have the projection table.","start":640.105,"end":643.005,"sentiment":"neutral","sentiment_score":0.10313669815659524},{"text":"Essentially, you've got your current scenario there, which shows the projected outcome based on your current balance, the current fees, and the current growth that the investor profile of this your current portfolio has received.","start":643.465,"end":656.6,"sentiment":"neutral","sentiment_score":0.13971622458526067},{"text":"It's not bad, but it could definitely do better.","start":657.14,"end":659.46,"sentiment":"neutral","sentiment_score":0.3301088843080733}],"sentiment":"neutral","sentiment_score":0.19435778194490602,"channel":0,"num_words":102,"start":625.45,"end":659.46},{"sentences":[{"text":"I think if you're in a growth portfolio, you definitely wanna be making more than 5% every year.","start":659.46,"end":664.04,"sentiment":"positive","sentiment_score":0.3666153483920627},{"text":"And over the next five to ten years, it could show you that bit over a 190,000 in five years or a bit over 226,000 in ten years there.","start":664.58,"end":673.305,"sentiment":"neutral","sentiment_score":0.13360468619342508},{"text":"So looking at things, we can definitely improve on that.","start":673.365,"end":676.505,"sentiment":"positive","sentiment_score":0.33851215094327924},{"text":"In the recommended at the bottom there, it sorta shows that if the portfolio can obtain what it has over the past five years, moving forward, in the next five years, it could be sitting at about 252,000 or 373,000 there.","start":677.045,"end":690.44,"sentiment":"neutral","sentiment_score":0.17409459864947854},{"text":"Albeit, this is also with the recommendation of increasing your salary sacrifice and adding additional contributions in if you decide to salary sacrifice and adding additional contributions in.","start":690.74,"end":698.075,"sentiment":"neutral","sentiment_score":0.05819897060947759}],"sentiment":"neutral","sentiment_score":0.1795728841412162,"channel":0,"num_words":126,"start":659.46,"end":698.075},{"sentences":[{"text":"If you decide to take on that recommendation down the track, absolutely fine.","start":698.075,"end":701.515,"sentiment":"neutral","sentiment_score":0.2225779535678717},{"text":"We can reassess that for you.","start":701.515,"end":703.135,"sentiment":"neutral","sentiment_score":0.2209471339980761},{"text":"We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it.","start":703.515,"end":713.30005,"sentiment":"positive","sentiment_score":0.3386452618986368},{"text":"The world is very expensive as groceries and fuel alone is insane at the moment.","start":713.30005,"end":717.94,"sentiment":"negative","sentiment_score":-0.45736308495203654},{"text":"So the cost of living is very high.","start":717.94,"end":720.66003,"sentiment":"negative","sentiment_score":-0.39828733913600445}],"sentiment":"neutral","sentiment_score":0.09412514254814242,"channel":0,"num_words":82,"start":698.075,"end":720.66003},{"sentences":[{"text":"It's very difficult.","start":720.66003,"end":721.89496,"sentiment":"negative","sentiment_score":-0.4919430414835612}],"sentiment":"negative","sentiment_score":-0.4919430414835612,"channel":0,"num_words":3,"start":720.66003,"end":721.89496},{"sentences":[{"text":"It is.","start":722.74506,"end":723.22504,"sentiment":"neutral","sentiment_score":-0.22940348088741302},{"text":"It is.","start":723.22504,"end":723.965,"sentiment":"neutral","sentiment_score":-0.06561091169714928}],"sentiment":"neutral","sentiment_score":-0.14750719629228115,"channel":1,"num_words":4,"start":722.74506,"end":723.965},{"sentences":[{"text":"Yeah.","start":724.195,"end":724.695,"sentiment":"neutral","sentiment_score":-0.025519808754324913},{"text":"No.","start":724.995,"end":725.495,"sentiment":"neutral","sentiment_score":-0.09102393686771391},{"text":"All good.","start":725.555,"end":726.295,"sentiment":"neutral","sentiment_score":0.12320815026760101},{"text":"If you can scroll down to page number 22 for me, this is the part that I really like you to be able to see.","start":726.995,"end":732.93,"sentiment":"neutral","sentiment_score":0.32558065712451933},{"text":"Don't ever want you to feel like I'm talking at you.","start":733.57,"end":735.81,"sentiment":"neutral","sentiment_score":0.08233197913928465}],"sentiment":"neutral","sentiment_score":0.22937601883895695,"channel":0,"num_words":40,"start":724.195,"end":735.81},{"sentences":[{"text":"So this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there.","start":735.81,"end":748.025,"sentiment":"neutral","sentiment_score":0.23922178223729135},{"text":"Yep.","start":750.485,"end":750.885,"sentiment":"positive","sentiment_score":0.3696407973766327},{"text":"Beautiful.","start":750.885,"end":751.385,"sentiment":"positive","sentiment_score":0.5781121850013733},{"text":"So the first column has your Netwealth Super.","start":751.84503,"end":753.84503,"sentiment":"neutral","sentiment_score":0.29423701018095016},{"text":"It's also got the individual investments there.","start":753.84503,"end":756.34503,"sentiment":"neutral","sentiment_score":0.1832341296332223}],"sentiment":"neutral","sentiment_score":0.24830103966227748,"channel":0,"num_words":57,"start":735.81,"end":756.34503},{"sentences":[{"text":"Okay.","start":756.245,"end":756.745,"sentiment":"neutral","sentiment_score":0.11876468360424042}],"sentiment":"neutral","sentiment_score":0.11876468360424042,"channel":1,"num_words":1,"start":756.245,"end":756.745},{"sentences":[{"text":"What the column we wanna sort of look at is that buy sell column in the middle that has all the red and green.","start":756.725,"end":761.85,"sentiment":"neutral","sentiment_score":0.11381957711031039},{"text":"Essentially, all the red is the amount that we'll be selling, and all the green is what we're gonna be buying there.","start":762.25,"end":767.20996,"sentiment":"neutral","sentiment_score":0.1273076832294464},{"text":"So, essentially, to give you a bit of a quick breakdown, we'll be retaining some physical gold.","start":767.20996,"end":772.75,"sentiment":"neutral","sentiment_score":0.10204682258122108},{"text":"We're rebalancing you back.","start":772.88995,"end":774.25,"sentiment":"neutral","sentiment_score":0.14788272976875305},{"text":"You've got about 5% there currently.","start":774.25,"end":776.265,"sentiment":"neutral","sentiment_score":0.07394660264253616}],"sentiment":"neutral","sentiment_score":0.11373212877405833,"channel":0,"num_words":73,"start":756.725,"end":776.265},{"sentences":[{"text":"We wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that.","start":776.325,"end":782.105,"sentiment":"neutral","sentiment_score":0.09391976909881289}],"sentiment":"neutral","sentiment_score":0.09391976909881289,"channel":0,"num_words":22,"start":776.325,"end":782.105},{"sentences":[{"text":"Mhmm.","start":782.405,"end":782.905,"sentiment":"neutral","sentiment_score":-0.023250918835401535}],"sentiment":"neutral","sentiment_score":-0.023250918835401535,"channel":1,"num_words":1,"start":782.405,"end":782.905},{"sentences":[{"text":"Selling off all the physical silver isn't really performing that well.","start":782.645,"end":786.085,"sentiment":"neutral","sentiment_score":-0.2741088027303869},{"text":"It's quite down, so we are removing that from the portfolio currently.","start":786.085,"end":789.465,"sentiment":"neutral","sentiment_score":-0.20958742126822472},{"text":"The ban along Australian equities has not been performing well this year.","start":790.32,"end":793.52,"sentiment":"negative","sentiment_score":-0.3416609391570091},{"text":"It is underperforming heavily, and there's an issue within the investment.","start":793.52,"end":796.64,"sentiment":"negative","sentiment_score":-0.35955020785331726},{"text":"So we've decided to remove that out.","start":796.64,"end":798.9,"sentiment":"neutral","sentiment_score":-0.24755260135446275}],"sentiment":"neutral","sentiment_score":-0.2890207103963168,"channel":0,"num_words":53,"start":782.645,"end":798.9},{"sentences":[{"text":"We don't want you to have any underperforming investments within the fund, So we'll be selling that investment completely down there for you.","start":799.04004,"end":806.635,"sentiment":"neutral","sentiment_score":-0.17298947954955307}],"sentiment":"neutral","sentiment_score":-0.17298947954955307,"channel":0,"num_words":23,"start":799.04004,"end":806.635},{"sentences":[{"text":"Yep.","start":807.20496,"end":807.70496,"sentiment":"neutral","sentiment_score":0.04536359757184982}],"sentiment":"neutral","sentiment_score":0.04536359757184982,"channel":1,"num_words":1,"start":807.20496,"end":807.70496},{"sentences":[{"text":"We've also got the Vanguard diversified index fund.","start":807.255,"end":810.775,"sentiment":"neutral","sentiment_score":0.046041195280849934},{"text":"Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit.","start":810.775,"end":817.86,"sentiment":"neutral","sentiment_score":0.014625049299663968},{"text":"So we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well.","start":817.86,"end":825.07996,"sentiment":"neutral","sentiment_score":0.09543642061560051},{"text":"Okay?","start":825.22,"end":825.72,"sentiment":"neutral","sentiment_score":0.047346532344818115}],"sentiment":"neutral","sentiment_score":0.050942205082056886,"channel":0,"num_words":59,"start":807.255,"end":825.72},{"sentences":[{"text":"Yes.","start":825.54004,"end":826.04004,"sentiment":"neutral","sentiment_score":0.06622964888811111}],"sentiment":"neutral","sentiment_score":0.06622964888811111,"channel":1,"num_words":1,"start":825.54004,"end":826.04004},{"sentences":[{"text":"We've also got the BetaShares cybersecurity.","start":826.74,"end":828.83997,"sentiment":"neutral","sentiment_score":0.04281138194104036},{"text":"This is giving you exposure to global cybersecurity.","start":829.14,"end":831.54504,"sentiment":"neutral","sentiment_score":0.031489881221204996},{"text":"We wanna hold about 5%.","start":831.84503,"end":833.685,"sentiment":"neutral","sentiment_score":0.016280269995331765},{"text":"So at the moment, you're slightly overweighted.","start":833.685,"end":835.705,"sentiment":"neutral","sentiment_score":-0.0753914729825088},{"text":"So just rebalancing that one and selling a little bit of the investment back for you.","start":836.005,"end":840.245,"sentiment":"neutral","sentiment_score":0.05160389223601669}],"sentiment":"neutral","sentiment_score":0.021145491816458247,"channel":0,"num_words":42,"start":826.74,"end":840.245},{"sentences":[{"text":"Okay?","start":840.245,"end":840.745,"sentiment":"neutral","sentiment_score":0.03976627439260483}],"sentiment":"neutral","sentiment_score":0.03976627439260483,"channel":0,"num_words":1,"start":840.245,"end":840.745},{"sentences":[{"text":"Yes.","start":841.425,"end":841.925,"sentiment":"neutral","sentiment_score":0.03849930316209793}],"sentiment":"neutral","sentiment_score":0.03849930316209793,"channel":1,"num_words":1,"start":841.425,"end":841.925},{"sentences":[{"text":"The battery and lithium tech there, the ACDC, we are removing that completely from the portfolio.","start":842.48,"end":847.77997,"sentiment":"neutral","sentiment_score":-0.1674013566225767},{"text":"This is more of a thematic ETF.","start":847.83997,"end":849.62,"sentiment":"neutral","sentiment_score":-0.19335160510880606},{"text":"We're just gonna sell that down.","start":850.16,"end":851.51996,"sentiment":"neutral","sentiment_score":-0.29343874504168826},{"text":"Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well.","start":851.51996,"end":862.695,"sentiment":"neutral","sentiment_score":-0.17897801612104688}],"sentiment":"neutral","sentiment_score":-0.18838665587827563,"channel":0,"num_words":64,"start":842.48,"end":862.695},{"sentences":[{"text":"Okay.","start":863.725,"end":864.225,"sentiment":"neutral","sentiment_score":-0.004932153970003128}],"sentiment":"neutral","sentiment_score":-0.004932153970003128,"channel":1,"num_words":1,"start":863.725,"end":864.225},{"sentences":[{"text":"We've also same thing with the ETF, the MorningStar Global Tech.","start":864.675,"end":868.455,"sentiment":"neutral","sentiment_score":0.010149071077731523},{"text":"That one there will be selling down completely.","start":868.595,"end":870.595,"sentiment":"neutral","sentiment_score":-0.10760792857035995},{"text":"Again, we are still holding tech stocks, but we found a cheaper way to do that without having to hold these thematic ETFs.","start":870.595,"end":877.04,"sentiment":"neutral","sentiment_score":0.054172205050354416},{"text":"And it also makes the port it's part of making the portfolio cheaper for you as well.","start":877.04,"end":881.51996,"sentiment":"neutral","sentiment_score":0.21510498576304493},{"text":"Okay?","start":881.51996,"end":882.01996,"sentiment":"neutral","sentiment_score":0.058726053684949875}],"sentiment":"neutral","sentiment_score":0.07020413135178387,"channel":0,"num_words":60,"start":864.675,"end":882.01996},{"sentences":[{"text":"Yeah.","start":882.75,"end":882.99,"sentiment":"neutral","sentiment_score":0.06550826877355576},{"text":"Okay.","start":882.99,"end":883.47,"sentiment":"neutral","sentiment_score":0.09517543762922288},{"text":"Yeah.","start":883.47,"end":883.97,"sentiment":"neutral","sentiment_score":0.226303368806839}],"sentiment":"neutral","sentiment_score":0.12899569173653921,"channel":1,"num_words":3,"start":882.75,"end":883.97},{"sentences":[{"text":"Excellent.","start":884.51495,"end":884.915,"sentiment":"positive","sentiment_score":0.4607169032096863},{"text":"We've got the iShares Europe investment in there.","start":884.915,"end":888.195,"sentiment":"neutral","sentiment_score":0.22175711207091808},{"text":"We wanna hold about 8%.","start":888.195,"end":889.635,"sentiment":"neutral","sentiment_score":0.17983097732067108},{"text":"You currently have 5% of the investment, so we're just buying a bit more of that.","start":889.635,"end":893.815,"sentiment":"neutral","sentiment_score":0.22482413798570633},{"text":"This investment gives you exposure to all 16 European countries, so giving you diversification.","start":893.95496,"end":898.615,"sentiment":"neutral","sentiment_score":0.2923914673072951}],"sentiment":"neutral","sentiment_score":0.24601353264667772,"channel":0,"num_words":44,"start":884.51495,"end":898.615},{"sentences":[{"text":"And then you've also got the S and P 500.","start":900.07,"end":902.73,"sentiment":"neutral","sentiment_score":0.08644347861409188},{"text":"So The US is a good still a good place to be invested, and a lot of people have been a bit unsure about that, but we still see good growth coming out of The US.","start":902.87,"end":910.79,"sentiment":"neutral","sentiment_score":0.12389296758919954},{"text":"And this is essentially is giving you exposure to the top 500 companies on The US market there.","start":910.79,"end":916.385,"sentiment":"neutral","sentiment_score":0.09694141459961732},{"text":"We wanna hold 30% of this investment.","start":916.68506,"end":919.005,"sentiment":"neutral","sentiment_score":0.04214167195771422},{"text":"So at the moment, you're a bit underweighted.","start":919.005,"end":920.625,"sentiment":"neutral","sentiment_score":-0.17469772417098284}],"sentiment":"neutral","sentiment_score":0.07553084800609305,"channel":0,"num_words":79,"start":900.07,"end":920.625},{"sentences":[{"text":"We're just gonna buy a little bit more to rebalance you back.","start":920.765,"end":923.885,"sentiment":"neutral","sentiment_score":-0.11524854848782222},{"text":"Okay?","start":923.885,"end":924.385,"sentiment":"neutral","sentiment_score":-0.013327544555068016}],"sentiment":"neutral","sentiment_score":-0.10740847126222573,"channel":0,"num_words":13,"start":920.765,"end":924.385},{"sentences":[{"text":"Okay.","start":925.075,"end":925.575,"sentiment":"neutral","sentiment_score":-0.00893782451748848}],"sentiment":"neutral","sentiment_score":-0.00893782451748848,"channel":1,"num_words":1,"start":925.075,"end":925.575},{"sentences":[{"text":"We've got the iShares Asia in there.","start":926.36505,"end":928.28503,"sentiment":"neutral","sentiment_score":0.007385190975453172},{"text":"Again, this is more of a themed investment.","start":928.28503,"end":930.24005,"sentiment":"neutral","sentiment_score":-0.0011748422402888536},{"text":"We are selling that down.","start":930.24005,"end":931.36005,"sentiment":"neutral","sentiment_score":-0.04681374803185463},{"text":"We still wanna hold Asia exposure, but we found a much better, cheaper way to do that for you.","start":931.36005,"end":936.32,"sentiment":"neutral","sentiment_score":0.040597929570235704},{"text":"So selling this investment clear out of the portfolio.","start":936.32,"end":938.74005,"sentiment":"neutral","sentiment_score":-0.02087880629632208}],"sentiment":"neutral","sentiment_score":0.00816000549821183,"channel":0,"num_words":48,"start":926.36505,"end":938.74005},{"sentences":[{"text":"And then we've also got the Vanguard Australian fixed interest investment.","start":939.92004,"end":943.525,"sentiment":"neutral","sentiment_score":0.07211854647506367},{"text":"We still wanna hold defensive investments like cash, bonds, and fixed interest.","start":943.825,"end":947.685,"sentiment":"neutral","sentiment_score":0.045992898444334664},{"text":"However, we found a much better way to hold that those defensive assets.","start":948.145,"end":952.625,"sentiment":"neutral","sentiment_score":0.03827452985569835},{"text":"So this one's gonna be removed out of that investment portfolio for you as well.","start":952.625,"end":956.80505,"sentiment":"neutral","sentiment_score":-0.16256480365991594}],"sentiment":"neutral","sentiment_score":-0.011680085768959686,"channel":0,"num_words":51,"start":939.92004,"end":956.80505},{"sentences":[{"text":"Alright.","start":957.08997,"end":957.58997,"sentiment":"neutral","sentiment_score":0.0014675334095954895}],"sentiment":"neutral","sentiment_score":0.0014675334095954895,"channel":1,"num_words":1,"start":957.08997,"end":957.58997},{"sentences":[{"text":"To bring you back into sort of rebalance and to buy in, we're going to buy into the Japanese exposure.","start":958.89,"end":964.89,"sentiment":"neutral","sentiment_score":0.016967688826844095},{"text":"Japan is a good place to be invested.","start":964.89,"end":966.91,"sentiment":"positive","sentiment_score":0.5242588669061661},{"text":"It has had some great returns, and we wanna hold 5% of this investment.","start":967.29,"end":971.07,"sentiment":"positive","sentiment_score":0.5859267732926777},{"text":"And then because we are removing a lot of different areas, so we've removed the the Morningstar tech, the battery and lithium tech.","start":971.545,"end":978.025,"sentiment":"neutral","sentiment_score":0.04073255112313706},{"text":"We've also got rid of the Vanguard diversified index, and the Asia exposure there as well.","start":978.025,"end":983.305,"sentiment":"neutral","sentiment_score":0.028465409064665437}],"sentiment":"neutral","sentiment_score":0.17442833035494443,"channel":0,"num_words":81,"start":958.89,"end":983.305},{"sentences":[{"text":"We still wanna hold exposure into all those areas and diversify across the globe, and that's where the Vanguard or World ex US investment comes into.","start":983.305,"end":992.19,"sentiment":"neutral","sentiment_score":0.05365897066747913},{"text":"This is giving you exposure to essentially the entire globe minus The US Of A.","start":992.41003,"end":997.005,"sentiment":"neutral","sentiment_score":0.03142307847738266},{"text":"We wanna hold 8% of this.","start":997.085,"end":999.005,"sentiment":"neutral","sentiment_score":0.10270434369643529},{"text":"One of the biggest ways to, you know, limit market risk as much as possible is to diversify across the globe, and this is where this investment comes in.","start":999.005,"end":1007.805,"sentiment":"neutral","sentiment_score":0.2279308145416194},{"text":"It gives you exposure to all the different countries and in different areas and also is low cost as well and has provided some really good returns.","start":1007.805,"end":1016.67,"sentiment":"positive","sentiment_score":0.3943246619568931}],"sentiment":"neutral","sentiment_score":0.19164529098288238,"channel":0,"num_words":103,"start":983.305,"end":1016.67},{"sentences":[{"text":"So sticking 8% in this investment does work really well for your portfolio.","start":1016.67,"end":1021.17,"sentiment":"positive","sentiment_score":0.50711095562348},{"text":"That's essentially what we'll be holding there.","start":1021.39,"end":1023.57,"sentiment":"neutral","sentiment_score":0.11539429639066968},{"text":"The that investment also excludes The US Of A, and that's because we do hold the S and P 500.","start":1025.195,"end":1030.395,"sentiment":"neutral","sentiment_score":-0.02746309284120798},{"text":"So we don't wanna keep you overexposed into The US market.","start":1030.395,"end":1033.615,"sentiment":"neutral","sentiment_score":-0.07196882401000369},{"text":"So that's why that one does exclude The US.","start":1033.915,"end":1036.38,"sentiment":"neutral","sentiment_score":-0.05024442159467273}],"sentiment":"neutral","sentiment_score":0.09345139637589454,"channel":0,"num_words":60,"start":1016.67,"end":1036.38},{"sentences":[{"text":"Okay?","start":1036.62,"end":1037.12,"sentiment":"neutral","sentiment_score":0.0069037871435284615}],"sentiment":"neutral","sentiment_score":0.0069037871435284615,"channel":0,"num_words":1,"start":1036.62,"end":1037.12},{"sentences":[{"text":"Alright.","start":1037.535,"end":1038.035,"sentiment":"neutral","sentiment_score":0.06296110153198242},{"text":"Yep.","start":1038.255,"end":1038.755,"sentiment":"neutral","sentiment_score":0.12929925322532654}],"sentiment":"neutral","sentiment_score":0.09613017737865448,"channel":1,"num_words":2,"start":1037.535,"end":1038.755},{"sentences":[{"text":"Excellent.","start":1038.62,"end":1039.12,"sentiment":"neutral","sentiment_score":0.3168368339538574},{"text":"And then we're at the bottom two.","start":1039.18,"end":1040.54,"sentiment":"neutral","sentiment_score":0.061378715825932365},{"text":"We've got the beta shares a 200.","start":1040.54,"end":1042.38,"sentiment":"neutral","sentiment_score":0.0363276872251715},{"text":"So we did remove the ban along Australian equities investment that was giving you exposure to the Australian market there.","start":1042.38,"end":1048.605,"sentiment":"neutral","sentiment_score":0.01409335290081799},{"text":"So we do wanna include some Australian exposure.","start":1048.845,"end":1051.405,"sentiment":"neutral","sentiment_score":0.051357660442590714}],"sentiment":"neutral","sentiment_score":0.03938395341555046,"channel":0,"num_words":43,"start":1038.62,"end":1051.405},{"sentences":[{"text":"The Vanguard all wells have it's just a very small component of that, so we do wanna hold some more.","start":1051.405,"end":1056.705,"sentiment":"neutral","sentiment_score":0.03948051622137427},{"text":"The BetaShares","start":1056.9249,"end":1057.585,"sentiment":"neutral","sentiment_score":0.053338054567575455}],"sentiment":"neutral","sentiment_score":0.04074029243466529,"channel":0,"num_words":22,"start":1051.405,"end":1057.585},{"sentences":[{"text":"Mhmm.","start":1057.2001,"end":1057.7001,"sentiment":"neutral","sentiment_score":0.054015956819057465}],"sentiment":"neutral","sentiment_score":0.054015956819057465,"channel":1,"num_words":1,"start":1057.2001,"end":1057.7001},{"sentences":[{"text":"a 200 gives you exposure to the top 200 companies on the Australian market there.","start":1057.725,"end":1062.6849,"sentiment":"neutral","sentiment_score":0.10436121597886086},{"text":"So this is giving you more diversification.","start":1062.6849,"end":1065.0,"sentiment":"neutral","sentiment_score":0.19552714909826005},{"text":"This investment has performed much better than Bannelong.","start":1066.02,"end":1068.58,"sentiment":"positive","sentiment_score":0.4718599505722523},{"text":"It's also cheaper to hold because it's passively managed.","start":1068.58,"end":1071.64,"sentiment":"neutral","sentiment_score":0.3273435868322849},{"text":"One of the biggest things about the Bannelong concentrated equities was that that is more of a an actively managed fund.","start":1071.9401,"end":1078.36,"sentiment":"neutral","sentiment_score":0.05851195864878329}],"sentiment":"neutral","sentiment_score":0.18139718835106275,"channel":0,"num_words":60,"start":1057.725,"end":1078.36},{"sentences":[{"text":"So the investment manager within that fund was supposed to be outperforming against the market and trying to pick and time the market.","start":1078.425,"end":1084.505,"sentiment":"neutral","sentiment_score":0.07719708881948305},{"text":"They couldn't really do that.","start":1084.505,"end":1086.125,"sentiment":"neutral","sentiment_score":-0.15624601244926453},{"text":"They also only held between 15 to 25 different investment 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you.","start":1090.5851,"end":1101.12,"sentiment":"neutral","sentiment_score":0.29411918893456457},{"text":"Okay?","start":1101.1799,"end":1101.6799,"sentiment":"neutral","sentiment_score":0.14419034123420715}],"sentiment":"neutral","sentiment_score":0.13422580643423965,"channel":0,"num_words":70,"start":1078.425,"end":1101.6799},{"sentences":[{"text":"Yep.","start":1101.9,"end":1102.4,"sentiment":"neutral","sentiment_score":0.2683224678039551}],"sentiment":"neutral","sentiment_score":0.2683224678039551,"channel":1,"num_words":1,"start":1101.9,"end":1102.4},{"sentences":[{"text":"Excellent.","start":1102.94,"end":1103.44,"sentiment":"positive","sentiment_score":0.5676605701446533}],"sentiment":"positive","sentiment_score":0.5676605701446533,"channel":0,"num_words":1,"start":1102.94,"end":1103.44},{"sentences":[{"text":"Yep.","start":1103.26,"end":1103.76,"sentiment":"positive","sentiment_score":0.3455590605735779}],"sentiment":"positive","sentiment_score":0.3455590605735779,"channel":1,"num_words":1,"start":1103.26,"end":1103.76},{"sentences":[{"text":"And then you've got the ITS core composite bond.","start":1103.7949,"end":1106.195,"sentiment":"neutral","sentiment_score":0.26286877857314217},{"text":"This is defensive in nature.","start":1106.195,"end":1107.5549,"sentiment":"neutral","sentiment_score":0.2519925594329834},{"text":"We still wanna hold some defensive investments.","start":1107.5549,"end":1109.815,"sentiment":"neutral","sentiment_score":0.2506050297192165},{"text":"This is giving you exposure to government and as well as corporate bonds.","start":1110.4349,"end":1113.895,"sentiment":"neutral","sentiment_score":0.3226179274228903},{"text":"And it's good for income producing.","start":1114.195,"end":1115.7949,"sentiment":"positive","sentiment_score":0.4961562355359395}],"sentiment":"neutral","sentiment_score":0.3137746870517731,"channel":0,"num_words":40,"start":1103.7949,"end":1115.7949},{"sentences":[{"text":"All of these investments except for the physical gold also help to produce income.","start":1115.7949,"end":1119.79,"sentiment":"neutral","sentiment_score":0.2806366841707911},{"text":"We want dividends that are paid or income produced out of the portfolio, have that paid into your cash account, and have that reinvested back into your portfolio, and that does assist with compounding long term as well.","start":1119.79,"end":1131.17,"sentiment":"positive","sentiment_score":0.3522195196465442},{"text":"That is essentially the nutshell on the changes to the portfolio.","start":1131.765,"end":1134.8251,"sentiment":"neutral","sentiment_score":0.13237349621274255},{"text":"Do you have any questions in relation to any of that?","start":1134.9651,"end":1138.265,"sentiment":"neutral","sentiment_score":0.041070256382226944}],"sentiment":"neutral","sentiment_score":0.2597450892365462,"channel":0,"num_words":74,"start":1115.7949,"end":1138.265},{"sentences":[{"text":"No.","start":1140.91,"end":1141.41,"sentiment":"neutral","sentiment_score":-0.047475047409534454},{"text":"Not really.","start":1141.55,"end":1142.03,"sentiment":"neutral","sentiment_score":-0.04277588240802288},{"text":"I","start":1142.03,"end":1142.1901,"sentiment":"neutral","sentiment_score":-0.0441688671708107}],"sentiment":"neutral","sentiment_score":-0.04429891984909773,"channel":1,"num_words":4,"start":1140.91,"end":1142.1901},{"sentences":[{"text":"No.","start":1142.165,"end":1142.665,"sentiment":"neutral","sentiment_score":-0.07040967792272568}],"sentiment":"neutral","sentiment_score":-0.07040967792272568,"channel":0,"num_words":1,"start":1142.165,"end":1142.665},{"sentences":[{"text":"mean, it's good to see","start":1142.1901,"end":1143.5801,"sentiment":"neutral","sentiment_score":-0.028636689856648447}],"sentiment":"neutral","sentiment_score":-0.028636689856648447,"channel":1,"num_words":5,"start":1142.1901,"end":1143.5801},{"sentences":[{"text":"Yeah.","start":1143.925,"end":1144.3251,"sentiment":"neutral","sentiment_score":0.01816580817103386}],"sentiment":"neutral","sentiment_score":0.01816580817103386,"channel":0,"num_words":1,"start":1143.925,"end":1144.3251},{"sentences":[{"text":"Quite","start":1144.245,"end":1144.405,"sentiment":"neutral","sentiment_score":0.04030904918909073}],"sentiment":"neutral","sentiment_score":0.04030904918909073,"channel":1,"num_words":1,"start":1144.245,"end":1144.405},{"sentences":[{"text":"That's","start":1144.3251,"end":1144.645,"sentiment":"neutral","sentiment_score":0.09301738440990448}],"sentiment":"neutral","sentiment_score":0.09301738440990448,"channel":0,"num_words":1,"start":1144.3251,"end":1144.645},{"sentences":[{"text":"a lot","start":1144.405,"end":1145.145,"sentiment":"neutral","sentiment_score":0.09629718214273453}],"sentiment":"neutral","sentiment_score":0.09629718214273453,"channel":1,"num_words":2,"start":1144.405,"end":1145.145},{"sentences":[{"text":"okay.","start":1144.645,"end":1145.145,"sentiment":"neutral","sentiment_score":0.09996262192726137},{"text":"It is.","start":1145.9,"end":1146.62,"sentiment":"neutral","sentiment_score":0.11860835179686546},{"text":"It","start":1146.62,"end":1146.7799,"sentiment":"neutral","sentiment_score":0.14688776433467865}],"sentiment":"neutral","sentiment_score":0.12101677246391773,"channel":0,"num_words":4,"start":1144.645,"end":1146.7799},{"sentences":[{"text":"to","start":1146.715,"end":1146.965,"sentiment":"neutral","sentiment_score":0.1368703693151474}],"sentiment":"neutral","sentiment_score":0.1368703693151474,"channel":1,"num_words":1,"start":1146.715,"end":1146.965},{"sentences":[{"text":"absolutely","start":1146.7799,"end":1147.26,"sentiment":"neutral","sentiment_score":0.12651583552360535}],"sentiment":"neutral","sentiment_score":0.12651583552360535,"channel":0,"num_words":1,"start":1146.7799,"end":1147.26},{"sentences":[{"text":"take in.","start":1146.965,"end":1147.715,"sentiment":"neutral","sentiment_score":0.1426629275083542}],"sentiment":"neutral","sentiment_score":0.1426629275083542,"channel":1,"num_words":2,"start":1146.965,"end":1147.715},{"sentences":[{"text":"is.","start":1147.26,"end":1147.5,"sentiment":"neutral","sentiment_score":0.09159047901630402},{"text":"You can sort of see why it's good to see that document and look at it as they're going through.","start":1147.5,"end":1151.9199,"sentiment":"neutral","sentiment_score":0.13331248834729195},{"text":"We sort of don't wanna kinda wanna make sure that you give you the information, but don't want you to feel like you're being spoken at.","start":1152.14,"end":1157.9199,"sentiment":"neutral","sentiment_score":0.003962612101951471},{"text":"It's kind of cool.","start":1158.3949,"end":1159.195,"sentiment":"positive","sentiment_score":0.43799880146980286},{"text":"A lot of these investments have performed really well.","start":1159.195,"end":1161.4349,"sentiment":"positive","sentiment_score":0.5091069108910031}],"sentiment":"neutral","sentiment_score":0.153247092741852,"channel":0,"num_words":60,"start":1147.26,"end":1161.4349},{"sentences":[{"text":"Essentially, we just want to make sure things are working harder for you, make some changes.","start":1161.4349,"end":1165.695,"sentiment":"neutral","sentiment_score":0.19343161629512906},{"text":"It is really important to update the portfolio every so often, essentially.","start":1165.995,"end":1169.855,"sentiment":"neutral","sentiment_score":0.13062077946960926},{"text":"Investments that you might have had one, two, or even three years ago do need to be updated every so often as they become out of date, don't perform as well.","start":1170.235,"end":1179.2799,"sentiment":"neutral","sentiment_score":-0.0053596866707648},{"text":"And even the investments we move into now, over the next one, two, or even three years down the track, they very well should be updated as well.","start":1179.2799,"end":1187.44,"sentiment":"neutral","sentiment_score":0.257645827585033},{"text":"So we'll keep reviewing and updating things moving forward.","start":1187.44,"end":1190.255,"sentiment":"neutral","sentiment_score":0.24067692210276923}],"sentiment":"neutral","sentiment_score":0.14454562915489078,"channel":0,"num_words":96,"start":1161.4349,"end":1190.255},{"sentences":[{"text":"There's also changes to investments that we can also look at to take advantage of down the track there as well.","start":1190.7151,"end":1197.375,"sentiment":"neutral","sentiment_score":0.14864812117247356},{"text":"But","start":1197.995,"end":1198.235,"sentiment":"neutral","sentiment_score":0.09917256981134416}],"sentiment":"neutral","sentiment_score":0.1463992324742404,"channel":0,"num_words":22,"start":1190.7151,"end":1198.235},{"sentences":[{"text":"Mhmm.","start":1198.035,"end":1198.535,"sentiment":"neutral","sentiment_score":0.0978628545999527}],"sentiment":"neutral","sentiment_score":0.0978628545999527,"channel":1,"num_words":1,"start":1198.035,"end":1198.535},{"sentences":[{"text":"this is sort of giving you that growth exposure whilst trying to mitigate as much market risk as we possibly can and also making the portfolio a little bit cheaper for you as well to help you save on fees where possible to keep your super working harder for you down the track.","start":1198.235,"end":1212.92,"sentiment":"positive","sentiment_score":0.386609840505528},{"text":"Does 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does.","start":1214.53,"end":1215.09,"sentiment":"neutral","sentiment_score":0.22703389823436737},{"text":"Yeah.","start":1215.09,"end":1215.59,"sentiment":"positive","sentiment_score":0.3981729745864868}],"sentiment":"neutral","sentiment_score":0.28408025701840717,"channel":1,"num_words":3,"start":1214.53,"end":1215.59},{"sentences":[{"text":"Excellent.","start":1215.86,"end":1216.36,"sentiment":"positive","sentiment_score":0.5927699208259583},{"text":"On the next page is your cash account.","start":1217.235,"end":1219.415,"sentiment":"neutral","sentiment_score":0.2302382132038474},{"text":"Now, realistically, within Netwealth, we don't wanna hold more than 1%.","start":1219.475,"end":1223.175,"sentiment":"neutral","sentiment_score":0.07232708517800678},{"text":"You do have a little bit too much cash there at the moment, so we're also gonna take a nice big chunk of that cash and reinvest that into your portfolio for you as well.","start":1223.395,"end":1231.89,"sentiment":"neutral","sentiment_score":0.20524500374283108},{"text":"When I had a look at things, I sort of noticed that your cash is a little bit too high.","start":1232.13,"end":1235.99,"sentiment":"neutral","sentiment_score":-0.2389405805617571}],"sentiment":"neutral","sentiment_score":0.07513382777571678,"channel":0,"num_words":75,"start":1215.86,"end":1235.99},{"sentences":[{"text":"You don't really wanna have a lot of money sitting in cash.","start":1236.13,"end":1238.53,"sentiment":"negative","sentiment_score":-0.36701226234436035},{"text":"You want that to be invested in the portfolio working harder for you as 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do apologize.","start":1255.345,"end":1258.75,"sentiment":"neutral","sentiment_score":0.013434294611215591},{"text":"It's actually 50 per fortnight.","start":1258.75,"end":1260.21,"sentiment":"neutral","sentiment_score":0.03423593305051327},{"text":"That was a oversight on my part.","start":1260.75,"end":1263.09,"sentiment":"neutral","sentiment_score":-0.016321107745170593}],"sentiment":"neutral","sentiment_score":0.08988975203943018,"channel":0,"num_words":51,"start":1245.185,"end":1263.09},{"sentences":[{"text":"Essentially, if and when you are able to look at doing that, doing it and starting earlier does allow the compounding effect to continue, but it's also gotta be within your comfort level as well.","start":1263.55,"end":1272.615,"sentiment":"neutral","sentiment_score":0.2602372322763715},{"text":"And then things can definitely change there.","start":1272.615,"end":1274.795,"sentiment":"neutral","sentiment_score":0.15362014089311873},{"text":"You are welcome to run your eyes over that section.","start":1275.0951,"end":1277.3351,"sentiment":"neutral","sentiment_score":0.27327068597078324},{"text":"And if at any point, you know, down the track you decide that you're comfortable reassessing that, please let me know.","start":1277.3351,"end":1282.375,"sentiment":"neutral","sentiment_score":0.16350905703646795},{"text":"We can always reassess your comfort level and look at what the conductor do that can do for your super.","start":1282.375,"end":1288.19,"sentiment":"neutral","sentiment_score":0.27211286053061484}],"sentiment":"neutral","sentiment_score":0.23432578907538487,"channel":0,"num_words":93,"start":1263.55,"end":1288.19},{"sentences":[{"text":"Salary sacrifice is a great way of incorporating extra money into super just because it is a pretax deduction, so 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essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board.","start":1310.0299,"end":1319.5499,"sentiment":"neutral","sentiment_score":0.06306983197906188},{"text":"We just get you to make a little note in that just with any changes that you wanna make.","start":1319.5499,"end":1323.705,"sentiment":"neutral","sentiment_score":0.1997760628399096},{"text":"And if you are just happy to proceed with the the investment switch to see how your portfolio is working, we'll get you to sign and return the document back.","start":1323.945,"end":1331.725,"sentiment":"neutral","sentiment_score":0.28665445148944857},{"text":"And as you kinda mentioned, you're not really comfortable salary sacrificing at the 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you.","start":1537.4478,"end":1538.0588,"sentiment":"positive","sentiment_score":0.8224018514156342},{"text":"My pleasure.","start":1538.0588,"end":1538.6697,"sentiment":"positive","sentiment_score":0.8370075225830078},{"text":"You have a lovely afternoon.","start":1538.6697,"end":1540.1971,"sentiment":"positive","sentiment_score":0.8564573168754578},{"text":"Thank you for taking my call.","start":1540.1971,"end":1542.03,"sentiment":"positive","sentiment_score":0.8771307567755381}],"sentiment":"positive","sentiment_score":0.8575926582018535,"channel":0,"num_words":15,"start":1537.4478,"end":1542.03},{"sentences":[{"text":"Thank you.","start":1542.4729,"end":1543.2129,"sentiment":"positive","sentiment_score":0.8046793937683105},{"text":"You","start":1543.7529,"end":1543.9929,"sentiment":"positive","sentiment_score":0.6585463881492615}],"sentiment":"positive","sentiment_score":0.7559683918952942,"channel":1,"num_words":3,"start":1542.4729,"end":1543.9929},{"sentences":[{"text":"Thanks,","start":1543.79,"end":1544.1901,"sentiment":"positive","sentiment_score":0.7667248249053955}],"sentiment":"positive","sentiment_score":0.7667248249053955,"channel":0,"num_words":1,"start":1543.79,"end":1544.1901},{"sentences":[{"text":"too.","start":1543.9929,"end":1544.2329,"sentiment":"positive","sentiment_score":0.7146264910697937}],"sentiment":"positive","sentiment_score":0.7146264910697937,"channel":1,"num_words":1,"start":1543.9929,"end":1544.2329},{"sentences":[{"text":"Ophelia.","start":1544.1901,"end":1544.6901,"sentiment":"positive","sentiment_score":0.4946170747280121}],"sentiment":"positive","sentiment_score":0.4946170747280121,"channel":0,"num_words":1,"start":1544.1901,"end":1544.6901},{"sentences":[{"text":"Have a good day.","start":1544.2329,"end":1545.2129,"sentiment":"positive","sentiment_score":0.6361591517925262}],"sentiment":"positive","sentiment_score":0.6361591517925262,"channel":1,"num_words":4,"start":1544.2329,"end":1545.2129},{"sentences":[{"text":"You","start":1545.47,"end":1545.79,"sentiment":"neutral","sentiment_score":0.3160289525985718}],"sentiment":"neutral","sentiment_score":0.3160289525985718,"channel":0,"num_words":1,"start":1545.47,"end":1545.79},{"sentences":[{"text":"Okay.","start":1545.513,"end":1546.013,"sentiment":"neutral","sentiment_score":0.33115193247795105}],"sentiment":"neutral","sentiment_score":0.33115193247795105,"channel":1,"num_words":1,"start":1545.513,"end":1546.013},{"sentences":[{"text":"too.","start":1545.79,"end":1546.11,"sentiment":"positive","sentiment_score":0.35842806100845337},{"text":"Have a","start":1546.11,"end":1546.5901,"sentiment":"positive","sentiment_score":0.37073764204978943}],"sentiment":"positive","sentiment_score":0.36663444836934406,"channel":0,"num_words":3,"start":1545.79,"end":1546.5901},{"sentences":[{"text":"Bye.","start":1546.6329,"end":1547.1329,"sentiment":"neutral","sentiment_score":0.2053985297679901}],"sentiment":"neutral","sentiment_score":0.2053985297679901,"channel":1,"num_words":1,"start":1546.6329,"end":1547.1329},{"sentences":[{"text":"see you later.","start":1546.8301,"end":1547.65,"sentiment":"neutral","sentiment_score":0.29740182558695477},{"text":"Bye.","start":1547.7101,"end":1548.2101,"sentiment":"neutral","sentiment_score":0.14557039737701416}],"sentiment":"neutral","sentiment_score":0.2594439685344696,"channel":0,"num_words":4,"start":1546.8301,"end":1548.2101},{"sentences":[{"text":"Bye.","start":1547.9929,"end":1548.4929,"sentiment":"neutral","sentiment_score":-0.11727923899888992}],"sentiment":"neutral","sentiment_score":-0.11727923899888992,"channel":1,"num_words":1,"start":1547.9929,"end":1548.4929}]},"summary":{"result":"success","short":"Representatives from OZ Financial speak with Bethelia about reducing fees and boosting her salary. They also address Bethelia's investment savings and the risk profile of her portfolio. The speakers emphasize the importance of maintaining a stable investment portfolio and updating the portfolio every few weeks. They also discuss the use of passive management and the need for will power of attorney and estate planning documents to protect everything. The agent emphasizes the importance of updating the portfolio and offers ongoing services to keep track of it."},"intents":{"segments":[{"text":"I had people looking to go through your updated statement of advice with regard to your super. Is now still a good time there for you? Yeah.","start_word":18,"end_word":44,"intents":[{"intent":"Update statement of advice","confidence_score":0.12619463}]},{"text":"Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation. So when we sort of did your last annual review, we were looking at maybe updating things. I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you.","start_word":286,"end_word":347,"intents":[{"intent":"Recut fees","confidence_score":0.0014787213}]},{"text":"Back then, you were wanting to access super around about the age of 70.","start_word":356,"end_word":369,"intents":[{"intent":"Access super super","confidence_score":0.59499943}]},{"text":"We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier. That Yep.","start_word":416,"end_word":443,"intents":[{"intent":"Plan retirement plan","confidence_score":0.0058106426}]},{"text":"I have made a recommendation there to retain net wealth.","start_word":761,"end_word":770,"intents":[{"intent":"Retain net wealth","confidence_score":0.9314534}]},{"text":"If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there. So we wanted to try and limit that as much as possible.","start_word":843,"end_word":891,"intents":[{"intent":"Limit capital gains costs","confidence_score":0.04421543}]},{"text":"If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there. So we wanted to try and limit that as much as possible. So retaining Netwealth was more appropriate to limit that cost on your super fund, Yep. and then essentially switch the investments within that for you.","start_word":843,"end_word":916,"intents":[{"intent":"Change investments","confidence_score":0.1785535}]},{"text":"And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good. A few less fees to consider and more money sitting in your super working harder for you. Yes.","start_word":1003,"end_word":1048,"intents":[{"intent":"Reduce investment fees","confidence_score":0.48616543}]},{"text":"The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598.","start_word":1049,"end_word":1071,"intents":[{"intent":"Reduce cgt cost","confidence_score":0.49301523}]},{"text":"Essentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there. Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you.","start_word":1158,"end_word":1232,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.04926565}]},{"text":"The system's telling me the document should be on its way to you. Are you able to just refresh that at all just to sort of see? Yeah.","start_word":1552,"end_word":1579,"intents":[{"intent":"Update documents and clarify information","confidence_score":0.00005985682}]},{"text":"However, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well. So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super.","start_word":1914,"end_word":1984,"intents":[{"intent":"Review insurance premiums","confidence_score":0.3888329}]},{"text":"So looking at things, we can definitely improve on that.","start_word":2155,"end_word":2164,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.029320784}]},{"text":"We can reassess that for you.","start_word":2247,"end_word":2252,"intents":[{"intent":"Reassess recommendation","confidence_score":0.07114433}]},{"text":"We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it.","start_word":2253,"end_word":2292,"intents":[{"intent":"Reevaluate comfort level","confidence_score":0.000013380739}]},{"text":"So this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there. Yep. Beautiful.","start_word":2363,"end_word":2404,"intents":[{"intent":"Show portfolio changes and save on fees","confidence_score":0.041861244}]},{"text":"So the first column has your Netwealth Super. It's also got the individual investments there. Okay.","start_word":2405,"end_word":2420,"intents":[{"intent":"Identify investments with specific investments","confidence_score":0.0000067616043}]},{"text":"We're rebalancing you back. You've got about 5% there currently. We wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that.","start_word":2484,"end_word":2515,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.11684841}]},{"text":"Selling off all the physical silver isn't really performing that well. It's quite down, so we are removing that from the portfolio currently.","start_word":2517,"end_word":2539,"intents":[{"intent":"Remove physical silver from portfolio","confidence_score":0.6733073}]},{"text":"We've also got the Vanguard diversified index fund. Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit. So we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well. Okay?","start_word":2594,"end_word":2652,"intents":[{"intent":"Remove diversification from portfolio","confidence_score":0.33050868},{"intent":"Obtain returns for super","confidence_score":0.032432318}]},{"text":"This is more of a thematic ETF. We're just gonna sell that down. Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well. Okay.","start_word":2714,"end_word":2762,"intents":[{"intent":"Defend portfolio options","confidence_score":0.0000039132024}]},{"text":"So we'll keep reviewing and updating things moving forward.","start_word":3793,"end_word":3801,"intents":[{"intent":"Review portfolio changes","confidence_score":0.004855597}]},{"text":"Essentially, down on page number 25 is the recommendations with regard to the salary sacrifice as I mentioned to have made the recommendation of around $50.","start_word":3992,"end_word":4017,"intents":[{"intent":"Recommend investment plan","confidence_score":0.00007967123}]},{"text":"There'll be a multiline box there, essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board. We just get you to make a little note in that just with any changes that you wanna make.","start_word":4170,"end_word":4216,"intents":[{"intent":"Make changes and highlight recommendations","confidence_score":1.4964806e-8}]},{"text":"We'll have a little chat about what's happening, see if there's any new advice to provide there for you, and also just run through what's happening with the portfolio just to keep track of everything in a little bit more detail, make sure things are working a bit harder for you. How does that sound?","start_word":4554,"end_word":4608,"intents":[{"intent":"Provide advice","confidence_score":0.17488062}]},{"text":"Depending on how much you enjoy reading, we do also have attached the product disclosure statements, you know, and any additional research material with regards to the advice document. And we've also attached the ongoing service agreement there as well, so that is due to be renewed. It just allows us to continue providing our services, providing advice, and updating things for you.","start_word":4612,"end_word":4674,"intents":[{"intent":"Maintain service","confidence_score":0.14638534}]},{"text":"Do you have any questions about that at all?","start_word":4705,"end_word":4713,"intents":[{"intent":"Ask questions","confidence_score":0.22368607}]},{"text":"Is there anything that's come to mind question wise or anything you might need from me at the moment? Or No.","start_word":4756,"end_word":4776,"intents":[{"intent":"Reach out","confidence_score":0.029846184}]},{"text":"You're welcome to review the document once you're happy to take on board any of the recommendations. So just ask your son and return it back, and just leave that little note on that last page there with regard to the salary sacrifice if you choose not to take that on board, which is absolutely fine.","start_word":4793,"end_word":4848,"intents":[{"intent":"Review document","confidence_score":0.40082356},{"intent":"Take on board recommendations","confidence_score":0.14909343}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Bethelia. This is Dana from OZ Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.14391086995601654},{"text":"I'm good. That's good.","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.5969327092170715},{"text":"I had people looking to go through your updated statement of advice with regard to your super. Is now still a good time there for you? Yeah. That's fine. Yep.","start_word":18,"end_word":47,"sentiment":"neutral","sentiment_score":0.2543751299381256},{"text":"Fantastic.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.5679035186767578},{"text":"Before we could jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Mhmm.","start_word":49,"end_word":80,"sentiment":"neutral","sentiment_score":0.18646392226219177},{"text":"Fantastic.","start_word":81,"end_word":81,"sentiment":"positive","sentiment_score":0.33491480350494385},{"text":"And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file. Basilia and Brightest, 23rd Of The 2nd 776 Muscat Court, Brother Lane.","start_word":82,"end_word":122,"sentiment":"neutral","sentiment_score":0.16198693215847015},{"text":"Fantastic. Thank you so much.","start_word":123,"end_word":127,"sentiment":"positive","sentiment_score":0.5670596361160278},{"text":"Bethelia, we do normally send through to review. My system's a little bit slow and not working at the moment. Are you okay if I start by going through the advice with you and then I can send them through when they're when when it's working properly for me. Is that okay? Or did you want me Mhmm. to sort of hold off until you can see the document? What sort of preferred more for yourself? It's probably gonna be fine. Yep. Yeah. That's okay. All good. Well, I'll start by going through. As soon as my system is up running, I've got the IT man here sort of helping me at the moment. As soon as that is ready to go, I'll get it sent off to you, and I'll let you know when you can check your emails there. Apologies about that. Love technology when it wants to work for us. Yep. Definitely. All all good. Vasilya, essentially, just sort of touching base on this advice document there, it was more just about your superannuation. So when we sort of did your last annual review, we were looking at maybe updating things. I know fees was a big sort of touching point for yourself, so I was looking to try and reduce the fees where possible for you. But we also talked about, essentially, your goal. Back then, you were wanting to access super around about the age of 70. Is that still feeling fairly appropriate goal wise for yourself, or do you think there may have been some changes since then? Ideally, it would be lovely, but, yeah, we'll have to wait and see when that happens. No. That's okay. Well, I'll tell you what. We'll keep reviewing things moving forward and see if we can get you super working a bit harder so you can hopefully retire a bit earlier. That Yep. way, you hopefully don't have to work as long as you think you do. How does that sound?","start_word":128,"end_word":461,"sentiment":"neutral","sentiment_score":0.05779321926149601},{"text":"Lovely. Fantastic. Yep.","start_word":462,"end_word":464,"sentiment":"positive","sentiment_score":0.5921261310577393},{"text":"Now the other thing that we did talk about was essentially looking at ways to boost your salary to boost your super sorry. So looking at salary sacrifice is an option there. When we spoke last time, you were comfortable with starting with a smaller amount looking at what that can do and then kinda reviewing and building up down that on that down the track as well. Does that still feel fairly appropriate for you? No. Not at the moment with the cost of living and everything. You're not not gonna be able to salary sacrifice anything in there? No. No. That's okay. Well, essentially, with with the advice, I had initially recommended that you did start salary sacrificing about $50 per week into the super fund just to kind of build on that. Essentially, that because realistically with your super and with your age and where you are to kinda help it to make it work a little bit harder, Providing that bit of extra boost is really important down the track. But if you can't now, once you've gone through the advice document, on the very last page, we do just have a little, like, a multiline box. So if you're not wanting to proceed with the salary sacrifice for the time being, we'll just get you to pop that in there for us. Okay? Yes. Yep.","start_word":465,"end_word":694,"sentiment":"neutral","sentiment_score":0.0639597624540329},{"text":"Excellent.","start_word":695,"end_word":695,"sentiment":"positive","sentiment_score":0.4682365655899048},{"text":"Now just to kind of run you to the recommendation, so I did have a bit of a look at your net wealth as well as all the other super funds out there to sort of see whether this was still appropriate for you and how we could readjust your portfolio for you so that you things were working a bit harder for you. I have made a recommendation there to retain net wealth. Essentially, one of the things I do look at when we are adjusting the portfolios is your I'm not sure if I went through with you, but your super fund, just like you, does a tax return every year. Your super pays income tax and capital gains tax as well. So, essentially, what we do wanna look at is capital gains consequences when we do change or, you know, ultra investment portfolios, essentially. If we had a look at moving to another super fund out there, essentially, we would have been triggering a full sell, which would have meant that the capital gains is expected to be around $4,421 there. So we wanted to try and limit that as much as possible.","start_word":696,"end_word":891,"sentiment":"neutral","sentiment_score":0.1169358037260114},{"text":"So retaining Netwealth was more appropriate to limit that cost on your super fund, Yep. and then essentially switch the investments within that for you.","start_word":892,"end_word":916,"sentiment":"positive","sentiment_score":0.35171690583229065},{"text":"With the recommendation and I believe the email should have been sent. Oh, it's on its way to you. Sorry. Hopefully, it comes through very, very shortly. If you can let me know when it does, but it looks like it is sending through to you now. But, essentially, with the super, as I kinda mentioned, just retaining Netwealth as it is, but adjusting the portfolio within there. I have had a look at ways to adjust the portfolio, so it is working harder for you.","start_word":917,"end_word":1002,"sentiment":"neutral","sentiment_score":0.14754502475261688},{"text":"And I'll take you through when you can see it, but the newer portfolio, essentially, is gonna save you about $777 in in investment fees, which is good. A few less fees to consider and more money sitting in your super working harder for you. Yes. The adjustment to change the investments in the portfolio, I was able to reduce the CGT cost for your super down to $1,598.","start_word":1003,"end_word":1071,"sentiment":"positive","sentiment_score":0.39781102538108826},{"text":"So I wasn't able to reduce it any further than that. But, essentially, when I looked at what the portfolio was doing and the fees for switching investments around, we look at what the savings are and how long it is to make those to make the CGT consequences back. So, realistically, the investment savings there essentially would cover the cost of the the CGT within about two years without any additional growth there. So it does work in your benefit. Okay? Yep.","start_word":1072,"end_word":1154,"sentiment":"neutral","sentiment_score":0.2444116157221507},{"text":"Sounds good. Beautiful.","start_word":1155,"end_word":1157,"sentiment":"positive","sentiment_score":0.6044701933860779},{"text":"Essentially, with the way the portfolios are, so when I had a look at your current portfolio and how it had averaged over the past sort of five years, it had averaged around about 5.74% in growth there. Wasn't really happy with how that was performing, and I think with where you are and the time horizon with when you can access super, we wanna make sure it is working a lot harder for you. When we sort of touched base and did the the risk profiling as well, we also talked about remaining in that growth portfolio. Do you remember kinda going to that risk profile, talking about the eighty twenty status split with regard to the growth in defensive assets? Do you remember how that works? Yeah. A little bit. Yeah. Yeah. That's okay. Did you want me to talk you through that? Yeah. Spouse it can't hurt. Yeah. No. That's okay. So with that growth environment, you see about 80% of the super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in low risk defensive investments there. So thinking things like a a fixed interest, cash, and bonds. Essentially, being in that kind of environment, it suits somebody who has about six years before they're wanting to access their super debts. You do have that time horizon ahead of you, which is good. We would agree to sort of stay in that growth environment there. So I have done so, and I've looked at making some changes to kinda get the best growth out of your super fund. And the newer portfolio, when we look at the last five years, has averaged about 10.71.","start_word":1158,"end_word":1453,"sentiment":"neutral","sentiment_score":0.08418648689985275},{"text":"So this newer portfolio works out to be cheaper for you, which is good, but it also has seen greater growth over the past. So that over the next five to ten years can definitely put you in a much greater position, which is what we would like to see happening for your super.","start_word":1454,"end_word":1507,"sentiment":"positive","sentiment_score":0.4773490726947784},{"text":"Okay? Yep. I know it is a lot to kinda go through when you're not able to see the documents there, but do you have any questions at the moment at all? I'm so sorry. Not at the moment. No. No. No. That's okay. The system's telling me the document should be on its way to you. Are you able to just refresh that at all just to sort of see? Yeah. No. It's just turned up now. Yep. Oh, beautiful. Sorry about that. That's okay. Alright. So where did you say I needed to check no for the salary price. Oh, that'll be on the very last page. I'll take you down to that in a second. If you can Okay. just pop to page number 20 for me. This is the table where the fees and the the outlining is that I just went through just to kinda give you clarification. Yep. Yeah. Mhmm. Okay. You can yeah. Just let me know when you can see that page there. Yep. No. I'm getting in front of me now. Yep.","start_word":1508,"end_word":1688,"sentiment":"neutral","sentiment_score":0.010276472767125507},{"text":"Beautiful.","start_word":1689,"end_word":1689,"sentiment":"positive","sentiment_score":0.4277255833148956},{"text":"So that fee comparison table shows your current portfolio versus the recommended. It does have your balance there as of the date we've prepared the documents here, and then it's showing that the differences column has the CGT effect. So we do understand and estimate there is always a tax effect for changing buying and selling investments. And in Mhmm. order to swap the investments around within your portfolio, the research showed that we should be about $1,598 for that one. That is in no way, shape, or form has any effect on you personally. It is all dealt with within Super there. Okay? Mhmm.","start_word":1690,"end_word":1794,"sentiment":"neutral","sentiment_score":0.030492136254906654},{"text":"Excellent.","start_word":1795,"end_word":1795,"sentiment":"positive","sentiment_score":0.3699194490909576},{"text":"And then you've also got the investment fees side of things there, and that sort of shows that at the moment, you are paying just over $1,102 in investment fees.","start_word":1796,"end_word":1825,"sentiment":"neutral","sentiment_score":0.2334650456905365},{"text":"This newer portfolio is much cheaper. So saving on average about 9 oh, sorry. About $777 in investment fees for the year, which is a good thing. We wanna make sure that more money stays invested for you and save on fees where possible.","start_word":1826,"end_word":1869,"sentiment":"positive","sentiment_score":0.3770858943462372},{"text":"Okay? Yes.","start_word":1870,"end_word":1871,"sentiment":"neutral","sentiment_score":0.23388823866844177},{"text":"Excellent.","start_word":1872,"end_word":1872,"sentiment":"positive","sentiment_score":0.488902747631073},{"text":"And there's no change to the insurance. It's one of the things we did talk about was the level of cover you have. You didn't wanna review that at the time. So the this is no change to the insurances. However, insurance premiums do get more expensive the older you get, and we understand that insurances do have an effect on your retirement income as well. So we do wanna review those with you moving forward, make alterations to them as need be to make sure that the level of cover is appropriate to what you want it to cover, but also making sure that it's not eating away your super. We want your super to go up to provide you with income in retirement, not be eaten away by insurance premiums.","start_word":1873,"end_word":2004,"sentiment":"neutral","sentiment_score":0.015825786035169254},{"text":"Yep. Excellent.","start_word":2005,"end_word":2006,"sentiment":"positive","sentiment_score":0.424340546131134},{"text":"On the bottom of that table there, you'll essentially see you've got your growth as the investor profile, and it shows you the five year rolling average and how things how the portfolios have been assessed or how they have performed over the past five years there. And then underneath that, we do have the projection table. Essentially, you've got your current scenario there, which shows the projected outcome based on your current balance, the current fees, and the current growth that the investor profile of this your current portfolio has received. It's not bad, but it could definitely do better.","start_word":2007,"end_word":2107,"sentiment":"neutral","sentiment_score":0.1892593801021576},{"text":"I think if you're in a growth portfolio, you definitely wanna be making more than 5% every year.","start_word":2108,"end_word":2125,"sentiment":"positive","sentiment_score":0.3649415969848633},{"text":"And over the next five to ten years, it could show you that bit over a 190,000 in five years or a bit over 226,000 in ten years there.","start_word":2126,"end_word":2154,"sentiment":"neutral","sentiment_score":0.12838932871818542},{"text":"So looking at things, we can definitely improve on that.","start_word":2155,"end_word":2164,"sentiment":"positive","sentiment_score":0.3438500165939331},{"text":"In the recommended at the bottom there, it sorta shows that if the portfolio can obtain what it has over the past five years, moving forward, in the next five years, it could be sitting at about 252,000 or 373,000 there. Albeit, this is also with the recommendation of increasing your salary sacrifice and adding additional contributions in if you decide to salary sacrifice and adding additional contributions in. If you decide to take on that recommendation down the track, absolutely fine. We can reassess that for you. We just wanted to make sure that we're providing you with the best opportunities to kind of build your super as much as possible, but it's also gotta be in your comfort level because in all honesty, I get it.","start_word":2165,"end_word":2292,"sentiment":"neutral","sentiment_score":0.2000996172428131},{"text":"The world is very expensive as groceries and fuel alone is insane at the moment. So the cost of living is very high. It's very difficult.","start_word":2293,"end_word":2318,"sentiment":"negative","sentiment_score":-0.4491079025543653},{"text":"It is. It is. Yeah. No. All good. If you can scroll down to page number 22 for me, this is the part that I really like you to be able to see. Don't ever want you to feel like I'm talking at you. So this shows you the changes that we wanna make to your portfolio to show you what we'll be buying and selling in order to get the newer portfolio and to save on those fees we showed you above there.","start_word":2319,"end_word":2402,"sentiment":"neutral","sentiment_score":0.20193521678447723},{"text":"Yep. Beautiful.","start_word":2403,"end_word":2404,"sentiment":"positive","sentiment_score":0.4530293643474579},{"text":"So the first column has your Netwealth Super. It's also got the individual investments there. Okay. What the column we wanna sort of look at is that buy sell column in the middle that has all the red and green. Essentially, all the red is the amount that we'll be selling, and all the green is what we're gonna be buying there. So, essentially, to give you a bit of a quick breakdown, we'll be retaining some physical gold. We're rebalancing you back. You've got about 5% there currently. We wanna hold about 10% of the portfolio in physical gold, so it just means buying a little bit more of that. Mhmm. Selling off all the physical silver isn't really performing that well. It's quite down, so we are removing that from the portfolio currently.","start_word":2405,"end_word":2539,"sentiment":"neutral","sentiment_score":0.06253962218761444},{"text":"The ban along Australian equities has not been performing well this year. It is underperforming heavily, and there's an issue within the investment.","start_word":2540,"end_word":2562,"sentiment":"negative","sentiment_score":-0.34895533323287964},{"text":"So we've decided to remove that out. We don't want you to have any underperforming investments within the fund, So we'll be selling that investment completely down there for you. Yep. We've also got the Vanguard diversified index fund. Not a bad investment in any way, shape, or form, but hasn't really been providing the returns and has sort of affected your super a little bit. So we are looking to remove that out and find diversification in other ways, but still obtain returns for your super as well. Okay? Yes. We've also got the BetaShares cybersecurity. This is giving you exposure to global cybersecurity. We wanna hold about 5%. So at the moment, you're slightly overweighted. So just rebalancing that one and selling a little bit of the investment back for you. Okay? Yes. The battery and lithium tech there, the ACDC, we are removing that completely from the portfolio. This is more of a thematic ETF. We're just gonna sell that down. Hasn't really held the proper returns that we wanted to, has been very volatile, and we found a much cheaper way to diversify as well as providing you with some tech exposure there as well. Okay. We've also same thing with the ETF, the MorningStar Global Tech. That one there will be selling down completely. Again, we are still holding tech stocks, but we found a cheaper way to do that without having to hold these thematic ETFs. And it also makes the port it's part of making the portfolio cheaper for you as well. Okay? Yeah. Okay. Yeah.","start_word":2563,"end_word":2825,"sentiment":"neutral","sentiment_score":-0.03675056848774165},{"text":"Excellent.","start_word":2826,"end_word":2826,"sentiment":"positive","sentiment_score":0.4607169032096863},{"text":"We've got the iShares Europe investment in there. We wanna hold about 8%. You currently have 5% of the investment, so we're just buying a bit more of that. This investment gives you exposure to all 16 European countries, so giving you diversification. And then you've also got the S and P 500. So The US is a good still a good place to be invested, and a lot of people have been a bit unsure about that, but we still see good growth coming out of The US. And this is essentially is giving you exposure to the top 500 companies on The US market there. We wanna hold 30% of this investment. So at the moment, you're a bit underweighted. We're just gonna buy a little bit more to rebalance you back. Okay? Okay. We've got the iShares Asia in there. Again, this is more of a themed investment. We are selling that down. We still wanna hold Asia exposure, but we found a much better, cheaper way to do that for you. So selling this investment clear out of the portfolio. And then we've also got the Vanguard Australian fixed interest investment. We still wanna hold defensive investments like cash, bonds, and fixed interest. However, we found a much better way to hold that those defensive assets. So this one's gonna be removed out of that investment portfolio for you as well. Alright. To bring you back into sort of rebalance and to buy in, we're going to buy into the Japanese exposure.","start_word":2827,"end_word":3082,"sentiment":"neutral","sentiment_score":0.052851939864922315},{"text":"Japan is a good place to be invested. It has had some great returns, and we wanna hold 5% of this investment.","start_word":3083,"end_word":3104,"sentiment":"positive","sentiment_score":0.5508533716201782},{"text":"And then because we are removing a lot of different areas, so we've removed the the Morningstar tech, the battery and lithium tech. We've also got rid of the Vanguard diversified index, and the Asia exposure there as well. We still wanna hold exposure into all those areas and diversify across the globe, and that's where the Vanguard or World ex US investment comes into. This is giving you exposure to essentially the entire globe minus The US Of A. We wanna hold 8% of this. One of the biggest ways to, you know, limit market risk as much as possible is to diversify across the globe, and this is where this investment comes in.","start_word":3105,"end_word":3219,"sentiment":"neutral","sentiment_score":0.08821413666009903},{"text":"It gives you exposure to all the different countries and in different areas and also is low cost as well and has provided some really good returns. So sticking 8% in this investment does work really well for your portfolio.","start_word":3220,"end_word":3259,"sentiment":"positive","sentiment_score":0.4353736937046051},{"text":"That's essentially what we'll be holding there. The that investment also excludes The US Of A, and that's because we do hold the S and P 500. So we don't wanna keep you overexposed into The US market. So that's why that one does exclude The US. Okay? Alright. Yep. Excellent. And then we're at the bottom two. We've got the beta shares a 200. So we did remove the ban along Australian equities investment that was giving you exposure to the Australian market there. So we do wanna include some Australian exposure. The Vanguard all wells have it's just a very small component of that, so we do wanna hold some more. The BetaShares Mhmm. a 200 gives you exposure to the top 200 companies on the Australian market there. So this is giving you more diversification.","start_word":3260,"end_word":3397,"sentiment":"neutral","sentiment_score":0.037972088903188705},{"text":"This investment has performed much better than Bannelong. It's also cheaper to hold because it's passively managed.","start_word":3398,"end_word":3414,"sentiment":"positive","sentiment_score":0.3975713551044464},{"text":"One of the biggest things about the Bannelong concentrated equities was that that is more of a an actively managed fund. So the investment manager within that fund was supposed to be outperforming against the market and trying to pick and time the market. They couldn't really do that. They also only held between 15 to 25 different investment options. So removing that and adding in the a 200 is cheaper for your portfolio, gives you more diversification, and has performed better over the longer term as well for you. Okay? Yep.","start_word":3415,"end_word":3506,"sentiment":"neutral","sentiment_score":0.11346752941608428},{"text":"Excellent. Yep.","start_word":3507,"end_word":3508,"sentiment":"positive","sentiment_score":0.4343996047973633},{"text":"And then you've got the ITS core composite bond. This is defensive in nature. We still wanna hold some defensive investments. This is giving you exposure to government and as well as corporate bonds.","start_word":3509,"end_word":3542,"sentiment":"neutral","sentiment_score":0.27742260694503784},{"text":"And it's good for income producing.","start_word":3543,"end_word":3548,"sentiment":"positive","sentiment_score":0.48835235834121704},{"text":"All of these investments except for the physical gold also help to produce income.","start_word":3549,"end_word":3562,"sentiment":"neutral","sentiment_score":0.28152525424957275},{"text":"We want dividends that are paid or income produced out of the portfolio, have that paid into your cash account, and have that reinvested back into your portfolio, and that does assist with compounding long term as well.","start_word":3563,"end_word":3600,"sentiment":"positive","sentiment_score":0.35073691606521606},{"text":"That is essentially the nutshell on the changes to the portfolio. Do you have any questions in relation to any of that? No. Not really. I No. mean, it's good to see Yeah. Quite That's a okay. lot It is. It to absolutely take in. is. You can sort of see why it's good to see that document and look at it as they're going through. We sort of don't wanna kinda wanna make sure that you give you the information, but don't want you to feel like you're being spoken at.","start_word":3601,"end_word":3692,"sentiment":"neutral","sentiment_score":0.05877115577459335},{"text":"It's kind of cool. A lot of these investments have performed really well.","start_word":3693,"end_word":3705,"sentiment":"positive","sentiment_score":0.4797838926315307},{"text":"Essentially, we just want to make sure things are working harder for you, make some changes. It is really important to update the portfolio every so often, essentially. Investments that you might have had one, two, or even three years ago do need to be updated every so often as they become out of date, don't perform as well. And even the investments we move into now, over the next one, two, or even three years down the track, they very well should be updated as well. So we'll keep reviewing and updating things moving forward. There's also changes to investments that we can also look at to take advantage of down the track there as well. But Mhmm.","start_word":3706,"end_word":3824,"sentiment":"neutral","sentiment_score":0.14072228317000285},{"text":"this is sort of giving you that growth exposure whilst trying to mitigate as much market risk as we possibly can and also making the portfolio a little bit cheaper for you as well to help you save on fees where possible to keep your super working harder for you down the track.","start_word":3825,"end_word":3877,"sentiment":"positive","sentiment_score":0.38335826992988586},{"text":"Does that Yep. make sense? Yeah. It does.","start_word":3878,"end_word":3885,"sentiment":"neutral","sentiment_score":0.16970239579677582},{"text":"Yeah. Excellent.","start_word":3886,"end_word":3887,"sentiment":"positive","sentiment_score":0.49547144770622253},{"text":"On the next page is your cash account. Now, realistically, within Netwealth, we don't wanna hold more than 1%. You do have a little bit too much cash there at the moment, so we're also gonna take a nice big chunk of that cash and reinvest that into your portfolio for you as well. When I had a look at things, I sort of noticed that your cash is a little bit too high.","start_word":3888,"end_word":3961,"sentiment":"neutral","sentiment_score":0.07397091388702393},{"text":"You don't really wanna have a lot of money sitting in cash.","start_word":3962,"end_word":3973,"sentiment":"negative","sentiment_score":-0.35992342233657837},{"text":"You want that to be invested in the portfolio working harder for you as well. Okay. Yep.","start_word":3974,"end_word":3990,"sentiment":"neutral","sentiment_score":-0.09182477742433548},{"text":"Excellent.","start_word":3991,"end_word":3991,"sentiment":"positive","sentiment_score":0.4190520644187927},{"text":"Essentially, down on page number 25 is the recommendations with regard to the salary sacrifice as I mentioned to have made the recommendation of around $50. I think I said $50 per week before my I do apologize. It's actually 50 per fortnight. That was a oversight on my part. Essentially, if and when you are able to look at doing that, doing it and starting earlier does allow the compounding effect to continue, but it's also gotta be within your comfort level as well. And then things can definitely change there. You are welcome to run your eyes over that section. And if at any point, you know, down the track you decide that you're comfortable reassessing that, please let me know. We can always reassess your comfort level and look at what the conductor do that can do for your super.","start_word":3992,"end_word":4134,"sentiment":"neutral","sentiment_score":0.17783376574516296},{"text":"Salary sacrifice is a great way of incorporating extra money into super just because it is a pretax deduction, so it Yeah.","start_word":4135,"end_word":4156,"sentiment":"positive","sentiment_score":0.4033289849758148},{"text":"No. That's fair enough. Yep. document is on page number 38 39. There'll be a multiline box there, essentially, just if there's any sort of part of the recommendations if you decide not to take the salary sacrifice on board. We just get you to make a little note in that just with any changes that you wanna make. And if you are just happy to proceed with the the investment switch to see how your portfolio is working, we'll get you to sign and return the document back. And as you kinda mentioned, you're not really comfortable salary sacrificing at the moment. You could just make a little note in there to say, do wish to do not do not wish to salary sacrifice or don't proceed with salary sacrifice recommendation. And we'll look at that prior to starting any of the process and make sure that we adhere to that for you as well. Okay? Yeah.","start_word":4157,"end_word":4314,"sentiment":"neutral","sentiment_score":0.07376644496299044},{"text":"Yep. Beautiful.","start_word":4315,"end_word":4316,"sentiment":"positive","sentiment_score":0.5422599911689758},{"text":"The only other things that we've got in there is just making sure that you do have a will, power of attorney, and any estate planning documents done up as well. Those are obviously quite important to do to protect everything you've got, so we do add those recommendations in there for you as well. Okay. Yes. Saw that there. Yep. Yeah.","start_word":4317,"end_word":4378,"sentiment":"neutral","sentiment_score":0.25184574723243713},{"text":"All good.","start_word":4379,"end_word":4380,"sentiment":"positive","sentiment_score":0.41247862577438354},{"text":"Do you happen to have any questions at the moment at all? Or Not really. No. No. no. That's okay. Just need Depending a crystal on ball how so that we can make more. I know. I know. Definitely. What I would like to do with you there, Bethelia, is make sure that we do touch base maybe in about sort of three to six months depending on your comfort level just to see how things are going once the implementation process has gone through just so we can keep track of what's happening with your super, and look at whether any new changes need to be updated. Would you prefer three or six months? What's more comfortable for you? Let's go after six months because Christmas is coming up and it gets pretty easy. Yeah. Yeah.","start_word":4381,"end_word":4517,"sentiment":"neutral","sentiment_score":0.09081120043992996},{"text":"Absolutely. Not a problem at all.","start_word":4518,"end_word":4523,"sentiment":"positive","sentiment_score":0.41034936904907227},{"text":"We'll do six months there for you. So my team will give you a call prior to that, and that will just touch base, book you in with me. We'll have a little chat about what's happening, see if there's any new advice to provide there for you, and also just run through what's happening with the portfolio just to keep track of everything in a little bit more detail, make sure things are working a bit harder for you. How does that sound? Yep. Yep.","start_word":4524,"end_word":4609,"sentiment":"neutral","sentiment_score":0.17541160018638122},{"text":"Beautiful. Fantastic. Depending on how much you enjoy reading, we do also have attached the product disclosure statements, you know, and any additional research material with regards to the advice document.","start_word":4610,"end_word":4640,"sentiment":"positive","sentiment_score":0.3940848708152771},{"text":"And we've also attached the ongoing service agreement there as well, so that is due to be renewed.","start_word":4641,"end_word":4658,"sentiment":"neutral","sentiment_score":0.28458574414253235},{"text":"It just allows us to continue providing our services, providing advice, and updating things for you.","start_word":4659,"end_word":4674,"sentiment":"positive","sentiment_score":0.39663398265838623},{"text":"And you do pay an ongoing service fee of 1.65% there on a yearly basis, which is deducted out of super on a monthly basis in smaller monthly increments there. Do you have any questions about that at all? No. No. I understand all No. of that. Yep. Yep. That's okay. Not a problem at all. I don't wanna take up too much more of your time because I know you're extremely busy, but I do appreciate you taking my call. Is there anything that's come to mind question wise or anything you might need from me at the moment? Or No. Not at the moment. no. That's okay. No. All good. Well, I will let you go. You're welcome to review the document once you're happy to take on board any of the recommendations. So just ask your son and return it back, and just leave that little note on that last page there with regard to the salary sacrifice if you choose not to take that on board, which is absolutely fine. I will definitely be making sure we catch up in six months to see how things are tracking there for you. But if you do find you have any questions at any point, in my world, there's no such thing as a silly question. If there's something that you need help with or, you know, wanted to ask us, you're more than welcome to let me know. And I can just research it, look at it, or have a chat to you about it, whatever you need. Yes.","start_word":4675,"end_word":4936,"sentiment":"neutral","sentiment_score":0.12000815570354462},{"text":"And I'll definitely look forward to catching up with you and seeing how things are working and and getting your super back on track No for worries. you as well. Appreciate Okay. it. Thank you. My pleasure. You have a lovely afternoon. Thank you for taking my call. Thank you. You Thanks, too. Ophelia. Have a good day.","start_word":4937,"end_word":4994,"sentiment":"positive","sentiment_score":0.7080680727958679},{"text":"You Okay.","start_word":4995,"end_word":4996,"sentiment":"neutral","sentiment_score":0.32611095905303955},{"text":"too.","start_word":4997,"end_word":4997,"sentiment":"positive","sentiment_score":0.35842806100845337},{"text":"Have a Bye. see you later. Bye. Bye.","start_word":4998,"end_word":5005,"sentiment":"neutral","sentiment_score":0.2327862977981567}],"average":{"sentiment":"neutral","sentiment_score":0.1286073051642376}}}}