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I had you booked in for a pretty quick catch up today, really, just to kind of go through the research I did on your super investments. Is now still a good time for you? That's perfect. Now, Jamie, before I do go any further, I do need to let you know that our calls calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. Now I know you said you are driving, which is okay, but what I have done is I have sent you an email with the document. Now it is pretty straightforward. So if you're happy for me to do so, I'll just kind of run through an overview of the changes. And then when you have a bit more time later on, you can have a read through it. And if you then have any questions, you can give me a call. Is that okay? Yeah. Okay. Perfect. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in a statement of advice for you just so that you are fully aware of everything and understand that a lot of it is just for compliance purposes as well, but it is to make sure that you fully understand everything. Today, it's pretty straightforward, though. Not massive changes. But like I said, if you do have any questions, just let me know. Yep. Now on the cover page, when you do have a look at it, you will see my details list today. You will also see my authorized representative number, and I am licensed under Oakview Financial. Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yes. Perfect. Now like I said, today is pretty straightforward. It is just reviewing your superannuation. We're not making any changes to insurances or anything else, literally just your superannuation. Now as you have a have a read through the document, you'll also see a couple of pages with just some personal information about you. Just have a bit of a read over it, and let me know if there's anything that's not up to date. Otherwise, where it will outline what the actual changes are will be outlined on page let me have a look here. Page 18 is where it kind of summarizes the recommendation in one of those tables that you would have seen before. It's just a bit of an updated projection table for you to show you the impact of the the recommendation. Now I did do a lot of research on your hub twenty four account as well just to make sure it's still the best option for you because there's always new products and features that comes out. So it is important for us to do some research every now and then on the product just to make sure it's still the best one for you. And at the moment, I have recommended that you stay in Hub twenty four. It's still really competitive when it comes to other options out there in terms of, you know, fees, flexibility, and investment choices. And I do use Hub twenty four for my personal super as well. So, yeah, definitely haven't recommended to make any changes to Hub twenty four, literally just swapping some of your investments around. Yep. Now when it comes to the actual investment changes, how that changes the position for you is that it actually reduces the investment fees, which is great. So you will save about $615 a year just from investment fees alone, which is pretty good. Now when it comes to the return as well, change. So we're not making any changes to your risk profile. We are staying the same at growth. So not making any changes in there, literally just swapping some that was underperforming through some to put you in a better position moving forward. And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis. And the new recommended has performed at 13.85%. So it is about 6¢ better, which is pretty good. But the thing as well is that things are always changing in the market. So back then, it's obviously hard to know what's going to change and happen in the future. No one could predict, obviously, COVID or the war or what Trump's gonna do. So there is obviously a lot, but that's why this annual reviews are so important because it does give us a bit of a check-in to see, like, okay. Well, what's happened? How things change? And what do we wanna do moving forward to making sure that we have you in the best position? And that is going to change with time as, obviously, things things change for you, but then also, obviously, the market and the world itself. And the really good thing with hub twenty four is there's hundreds and hundreds of different options for us to choose from that we can very quickly make a couple of changes for you. So, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic. Now the one thing I do want to mention is that every time we do make investment changes, if we are selling an investment that has gone up, there will be capital gains tax. Now that does change a little bit on a daily when we're calculating it, and I've tried to minimize that as much as possible for you considering when I have made the changes in the investment. So by doing the changes, it will be roughly a $196, which which is really good. So if we were to do a full sell down, so I completely switch everything, it would be about 3,066. Yeah. So if you do see about a 196, that's the tax that come out. So try to minimize that as much as possible. So we're very happy with that. We're still obviously trying to make sure we we swap out the ones that we do want to. Does that all make sense, Jamie, so far? Yeah. Great. Perfect. Now, basically, everything I have touched on as well, it is outlined in words as well in the statement of advice so that you can have a read over it. And it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option. But also alternatives. So like I said, I considered other options for you. One of the ones I were considering was my North. But, again, the capital gains tax would be over 3,000 to do it, and it just wasn't worth making the change when I could do exactly the same in Hub 24 for you. Yep. Now when it comes to the actual investment changes, that is outlined on page 15 when you do have a moment to have a look at it. Excuse me. Now it is outlined in a table. It can look a little bit messy, but, basically, if you look at it, you will see investment name. It lists all your current investments along with the new ones I have recommended. It shows you as well a buy and sell table. Now everything in red is what we are selling. Everything in black is what we are either retaining or purchasing. Okay? Yep. Now it probably makes more sense when you're actually looking at the document. But, essentially, the the philosophy around how we construct the portfolio, nothing is changing in regards to that. We are still very much following that core and satellite approach to investment, which is that we do invest majority of the funds in the core, which kind of represents the backbone of your portfolio. So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it. So, for example, one of them is your iShares S and P five hundred. You already have that in your portfolio. It was doing really well. And just for your reference, just with that one single investment, it does invest in the 500 largest companies listed in The US. So, obviously, very diversified for you. But what we have then swapped is your Bennelong one. That was the one that were was kind of underperforming a little bit. But we wanna also make sure that we do have some exposure to the Australian market. So I have swapped that one out for another one, which is called the BetaShares Australia two hundred. Now this one is a little bit cheaper than your Benelon, which is how we've managed to reduce those fees a little bit, but also has improved a performed a little bit better. But it is investing in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, making sure we do do give you a very well diversified exposure. All make sense so far? Yep. Perfect. But then we obviously wanna make sure as well and, obviously, aside from your defensive so gold, for example, we are keeping that exposure for you. We are increasing it slightly from at the moment, you have about 7.7%, increasing that to about 10. It's been doing really good, and it's very good kind of stabilizer when we do seeing a bit of fluctuations in the market. We very much wanna keep the gold in the portfolio, but also wanna keep fixed interest from making sure we drew limit fluctuations a little bit, I'm only at about 14%. So, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well. And when it comes to kind of the satellite investments, and these are the ones that's, you know, a little bit more specialized to tryna maximize that growth for you, but they can be a little bit more volatile, and that's why they only represent a smaller portion of your portfolio. So we don't wanna put too much in there, just a little bit to tryna take advantage of that. And part of that is we have about 5% invested in Japan, about 8% in Europe. We are keeping 5%, which you already have, in cybersecurity. And then we do have another one, which is 8% in one that's called Vanguard All World. You may have heard of Vanguard before. They are quite big. But this investment here, it excludes The US. So it invests all around the globe, but excluding The US because you already have exposure to The US in that iShares s and p 500, and we don't want you to have overexposure in one area either. So we wanna make sure we diversify things for you. Does that make sense? Yep. Yep. Perfect. That's great. And that is essentially the changes. So it's not drastic changes. It is literally swapping out some that, you know, we foresee maybe moving forward isn't going to put you in a good of a position. If we can change it based on all the market trends and everything that's going to happen that we foresee, then that's also part of our job. And that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day. Yep. Yep. Yeah. Yeah. So I have done now I typically only do about five and ten years projections, and that is just because there's so much that can change over a longer period of time as well. But if we do use a ten year time frame so that you can see that, on a ten year, with your current structure, like, if you decide, no. I don't wanna make any changes whatsoever, but, obviously, income and everything stays the same, you are projected to then be on track to have about four hundred and forty nine thousand five hundred and twelve in ten years. Now by make yeah. By making the change, you are then projected to have 738,509. So it is about 288,997 difference in ten years, which is pretty crazy. So you still have fees and stuff coming out. So the return on the investment is about 7.78, but then bear in mind that you do have platform fees. You have insurances, advice fees. You have everything coming out of the account as well. So this factors in all of it. Yeah. And that is an that is an excellent question, and that's what we factor in as well when it does come through different options. So part of when I do the research is factoring in that, well, okay. Well, is moving through, let's say, not hub twenty four moving to, like, a standard industry fund where you don't have adviser fees and just like your Australian Super or QSuper or Australian Retirement Trust or anything like that. And, also, what we see is, yes, sometimes the fees are cheaper, not always. The platform fees now, obviously, you don't typically have a device for fees, so that makes a difference. So fee wise can be a bit cheaper, but we usually cannot risk like, we cannot achieve the same return. So, yes, fees are a little bit cheaper, but with the limited investment choices, we don't have the same flexibility of what we can actually choose for you to be invested in, which limits what we can do. So when we do the research, we we have found I haven't found another option for you. When I did the research, that would produce as good of an outcome when it comes to return. So part of the best interest is making sure, well, if you are paying for more in fees, you obviously need to make sure that you have other areas that then would negate it. So net of everything, you are in a better position. Exactly. If we yeah. Yeah. And and it is yeah. And, obviously, as well, because every time you do when you do compare returns as well, it's using historical historical performance. And, obviously, like, you know, four, five years ago, things were looking a bit different, and that is why it is good to redo this all the time. And that's usually why I do like to do about five and ten years because so much are changing all the time, and I would rather have a more more realistic outcome. Now, again, you can't guarantee. We can't guarantee what's going to happen. Who knows what's going to happen in the world? But that is also why we try to diversify the portfolio as much as possible so that if something happens to one area, not everything's affected. Now sometimes what happens in your standard industry funds is that you still sometimes have different options, but it's very limited. So instead of having hundreds of different choices, it's usually, like, 10 to maybe 20 choices. And how it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding what goes in and out of the portfolio. Now you don't actually have oversight of what you are invested in aside from the name. They just decide what goes in and out, and you don't know. So it's also when it comes to that, it it's harder to get an understanding because there could be investments you don't agree with. There could be, you know, other things as well. But, again, also part of what we do is we also with your changes, and the closer you get to retirement is, well, we want to potentially make changes. So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement. Because if it did happen in the market then, you don't potentially have the time to recoup everything. So we do work with you in slightly reducing the risk the older you get and closer to retirement. Whereas other industry funds, they would just leave you be, and you just say that you just have to change anything if you do want it. So it does work different, but I do understand what you mean that you have to obviously make sure that the fees outweighs the performance that you are getting. Because otherwise, yeah, what's the point? And that is what we have to follow all the time when it comes to that best interest you do, which is if I did research and I found, well, you're moving through or through, but let's say, it was going to put you in a better position and not have advice for you, then I would recommend that. Like, I just get a salary from Oakview. So, like, there's nothing. I just do whatever is best for you at the end of the day, and I wanna make sure I can work with you to achieve your goals. But if you are not happy and you want to, you know, go elsewhere, at the end of the day, that that that is completely up to you. My job is to work with you to make sure I can put you in the best position, also have help obviously educate you and everything like that, and working alongside you. Yes. And that is totally fair, and that is completely up to you at the end of the day as well because it's it's not a locking contract in any way. Now just for your reference, let me see here. I just had a quick look at your SOA, the original one when you came on board. And at that time, the five year projection was showing a 190,440. That was five years projected from 2022. That was in April 2022. And at the moment, you have a hundred and eighty eight thousand seven hundred and fifteen. So you're act exactly. So you're actually doing pretty much what we anticipated then. Now, obviously, a things do change. So, obviously, contributions, your income would have gone up, insurance premiums become more expensive, and stuff like that. But it's you are kind of at least on track for how things were going. But, again, everything does change, which is why this is so important. And, again, at the end of the day, it is completely up to you. By doing the changes, I do believe it's very much going to put you in the best position. But if you said in in a year's time or two years' time, you haven't really seen the outcome, then at the end of the day, it's completely up to you. There is no lock in contract. There's no excess fees or anything like that. So it is completely up to you. But, obviously, yeah, our job is just to make sure we put you in the best position and wanna make sure you are happy. Does that answer that question? Yeah. No. Beautiful. Now the last thing I do wanna mention is, obviously, with the fee structure, no changes whatsoever. This is all part of the ongoing advice fee. So if you do, you know, are happy to go ahead with the change in those investments. From here, like I said, no changes in the fee structure. All part of the advice fee. How to kind of move forward is when you do have a moment, have a read through the email. If you have any questions, let me know or give me a call. If not, if you are happy with the changes at the moment, then you would just need to sign those documents, or you can do it digitally same as last time. Once you have signed it, it will then come back to me, and I can let the team know that we'll go ahead and make these investment changes for you. And every under review as well, we can do a bit of an update a bit more in-depth for you as well. So not just, hey. How are you going? Where are things at? We can do kind of updated projections and kind of talk you through where things are going to give you a little bit more of that reassurance as well. We can definitely do that. Yep. Yeah. Beautiful. Thank you so much for your time today, Jamie. And like I said, any other questions or anything else that you do need, don't hesitate to give me a call. No problem. You too. We'll speak soon. 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afternoon. This is Jamie. This is Veronica from Oakview Financial. How are you? I'm good.\n\nThanks. I had you booked in for a pretty quick catch up today, really, just to kind of go through the research I did on your super investments. Is now still a good time for you? That's perfect. Now, Jamie, before I do go any further, I do need to let you know that our calls calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here.\n\nNow I know you said you are driving, which is okay, but what I have done is I have sent you an email with the document. Now it is pretty straightforward. So if you're happy for me to do so, I'll just kind of run through an overview of the changes. And then when you have a bit more time later on, you can have a read through it. And if you then have any questions, you can give me a call.\n\nIs that okay? Yeah. Okay. Perfect. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in a statement of advice for you just so that you are fully aware of everything and understand that a lot of it is just for compliance purposes as well, but it is to make sure that you fully understand everything.\n\nToday, it's pretty straightforward, though. Not massive changes. But like I said, if you do have any questions, just let me know. Yep. Now on the cover page, when you do have a look at it, you will see my details list today.\n\nYou will also see my authorized representative number, and I am licensed under Oakview Financial. Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nYes. Perfect. Now like I said, today is pretty straightforward. It is just reviewing your superannuation. We're not making any changes to insurances or anything else, literally just your superannuation.\n\nNow as you have a have a read through the document, you'll also see a couple of pages with just some personal information about you. Just have a bit of a read over it, and let me know if there's anything that's not up to date. Otherwise, where it will outline what the actual changes are will be outlined on page let me have a look here. Page 18 is where it kind of summarizes the recommendation in one of those tables that you would have seen before. It's just a bit of an updated projection table for you to show you the impact of the the recommendation.\n\nNow I did do a lot of research on your hub twenty four account as well just to make sure it's still the best option for you because there's always new products and features that comes out. So it is important for us to do some research every now and then on the product just to make sure it's still the best one for you. And at the moment, I have recommended that you stay in Hub twenty four. It's still really competitive when it comes to other options out there in terms of, you know, fees, flexibility, and investment choices. And I do use Hub twenty four for my personal super as well.\n\nSo, yeah, definitely haven't recommended to make any changes to Hub twenty four, literally just swapping some of your investments around. Yep. Now when it comes to the actual investment changes, how that changes the position for you is that it actually reduces the investment fees, which is great. So you will save about $615 a year just from investment fees alone, which is pretty good. Now when it comes to the return as well, change.\n\nSo we're not making any changes to your risk profile. We are staying the same at growth. So not making any changes in there, literally just swapping some that was underperforming through some to put you in a better position moving forward. And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis. And the new recommended has performed at 13.85%.\n\nSo it is about 6¢ better, which is pretty good. But the thing as well is that things are always changing in the market. So back then, it's obviously hard to know what's going to change and happen in the future. No one could predict, obviously, COVID or the war or what Trump's gonna do. So there is obviously a lot, but that's why this annual reviews are so important because it does give us a bit of a check-in to see, like, okay.\n\nWell, what's happened? How things change? And what do we wanna do moving forward to making sure that we have you in the best position? And that is going to change with time as, obviously, things things change for you, but then also, obviously, the market and the world itself. And the really good thing with hub twenty four is there's hundreds and hundreds of different options for us to choose from that we can very quickly make a couple of changes for you.\n\nSo, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic. Now the one thing I do want to mention is that every time we do make investment changes, if we are selling an investment that has gone up, there will be capital gains tax. Now that does change a little bit on a daily when we're calculating it, and I've tried to minimize that as much as possible for you considering when I have made the changes in the investment. So by doing the changes, it will be roughly a $196, which which is really good. So if we were to do a full sell down, so I completely switch everything, it would be about 3,066.\n\nYeah. So if you do see about a 196, that's the tax that come out. So try to minimize that as much as possible. So we're very happy with that. We're still obviously trying to make sure we we swap out the ones that we do want to.\n\nDoes that all make sense, Jamie, so far? Yeah. Great. Perfect. Now, basically, everything I have touched on as well, it is outlined in words as well in the statement of advice so that you can have a read over it.\n\nAnd it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option. But also alternatives. So like I said, I considered other options for you. One of the ones I were considering was my North. But, again, the capital gains tax would be over 3,000 to do it, and it just wasn't worth making the change when I could do exactly the same in Hub 24 for you.\n\nYep. Now when it comes to the actual investment changes, that is outlined on page 15 when you do have a moment to have a look at it. Excuse me. Now it is outlined in a table. It can look a little bit messy, but, basically, if you look at it, you will see investment name.\n\nIt lists all your current investments along with the new ones I have recommended. It shows you as well a buy and sell table. Now everything in red is what we are selling. Everything in black is what we are either retaining or purchasing. Okay?\n\nYep. Now it probably makes more sense when you're actually looking at the document. But, essentially, the the philosophy around how we construct the portfolio, nothing is changing in regards to that. We are still very much following that core and satellite approach to investment, which is that we do invest majority of the funds in the core, which kind of represents the backbone of your portfolio. So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it.\n\nSo, for example, one of them is your iShares S and P five hundred. You already have that in your portfolio. It was doing really well. And just for your reference, just with that one single investment, it does invest in the 500 largest companies listed in The US. So, obviously, very diversified for you.\n\nBut what we have then swapped is your Bennelong one. That was the one that were was kind of underperforming a little bit. But we wanna also make sure that we do have some exposure to the Australian market. So I have swapped that one out for another one, which is called the BetaShares Australia two hundred. Now this one is a little bit cheaper than your Benelon, which is how we've managed to reduce those fees a little bit, but also has improved a performed a little bit better.\n\nBut it is investing in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, making sure we do do give you a very well diversified exposure. All make sense so far? Yep.\n\nPerfect. But then we obviously wanna make sure as well and, obviously, aside from your defensive so gold, for example, we are keeping that exposure for you. We are increasing it slightly from at the moment, you have about 7.7%, increasing that to about 10. It's been doing really good, and it's very good kind of stabilizer when we do seeing a bit of fluctuations in the market. We very much wanna keep the gold in the portfolio, but also wanna keep fixed interest from making sure we drew limit fluctuations a little bit, I'm only at about 14%.\n\nSo, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well. And when it comes to kind of the satellite investments, and these are the ones that's, you know, a little bit more specialized to tryna maximize that growth for you, but they can be a little bit more volatile, and that's why they only represent a smaller portion of your portfolio. So we don't wanna put too much in there, just a little bit to tryna take advantage of that. And part of that is we have about 5% invested in Japan, about 8% in Europe. We are keeping 5%, which you already have, in cybersecurity.\n\nAnd then we do have another one, which is 8% in one that's called Vanguard All World. You may have heard of Vanguard before. They are quite big. But this investment here, it excludes The US. So it invests all around the globe, but excluding The US because you already have exposure to The US in that iShares s and p 500, and we don't want you to have overexposure in one area either.\n\nSo we wanna make sure we diversify things for you. Does that make sense? Yep. Yep. Perfect.\n\nThat's great. And that is essentially the changes. So it's not drastic changes. It is literally swapping out some that, you know, we foresee maybe moving forward isn't going to put you in a good of a position. If we can change it based on all the market trends and everything that's going to happen that we foresee, then that's also part of our job.\n\nAnd that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day. Yep. Yep. Yeah. Yeah.\n\nSo I have done now I typically only do about five and ten years projections, and that is just because there's so much that can change over a longer period of time as well. But if we do use a ten year time frame so that you can see that, on a ten year, with your current structure, like, if you decide, no. I don't wanna make any changes whatsoever, but, obviously, income and everything stays the same, you are projected to then be on track to have about four hundred and forty nine thousand five hundred and twelve in ten years. Now by make yeah. By making the change, you are then projected to have 738,509.\n\nSo it is about 288,997 difference in ten years, which is pretty crazy. So you still have fees and stuff coming out. So the return on the investment is about 7.78, but then bear in mind that you do have platform fees. You have insurances, advice fees. You have everything coming out of the account as well.\n\nSo this factors in all of it. Yeah. And that is an that is an excellent question, and that's what we factor in as well when it does come through different options. So part of when I do the research is factoring in that, well, okay. Well, is moving through, let's say, not hub twenty four moving to, like, a standard industry fund where you don't have adviser fees and just like your Australian Super or QSuper or Australian Retirement Trust or anything like that.\n\nAnd, also, what we see is, yes, sometimes the fees are cheaper, not always. The platform fees now, obviously, you don't typically have a device for fees, so that makes a difference. So fee wise can be a bit cheaper, but we usually cannot risk like, we cannot achieve the same return. So, yes, fees are a little bit cheaper, but with the limited investment choices, we don't have the same flexibility of what we can actually choose for you to be invested in, which limits what we can do. So when we do the research, we we have found I haven't found another option for you.\n\nWhen I did the research, that would produce as good of an outcome when it comes to return. So part of the best interest is making sure, well, if you are paying for more in fees, you obviously need to make sure that you have other areas that then would negate it. So net of everything, you are in a better position. Exactly. If we yeah.\n\nYeah. And and it is yeah. And, obviously, as well, because every time you do when you do compare returns as well, it's using historical historical performance. And, obviously, like, you know, four, five years ago, things were looking a bit different, and that is why it is good to redo this all the time. And that's usually why I do like to do about five and ten years because so much are changing all the time, and I would rather have a more more realistic outcome.\n\nNow, again, you can't guarantee. We can't guarantee what's going to happen. Who knows what's going to happen in the world? But that is also why we try to diversify the portfolio as much as possible so that if something happens to one area, not everything's affected. Now sometimes what happens in your standard industry funds is that you still sometimes have different options, but it's very limited.\n\nSo instead of having hundreds of different choices, it's usually, like, 10 to maybe 20 choices. And how it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding what goes in and out of the portfolio. Now you don't actually have oversight of what you are invested in aside from the name. They just decide what goes in and out, and you don't know. So it's also when it comes to that, it it's harder to get an understanding because there could be investments you don't agree with.\n\nThere could be, you know, other things as well. But, again, also part of what we do is we also with your changes, and the closer you get to retirement is, well, we want to potentially make changes. So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement. Because if it did happen in the market then, you don't potentially have the time to recoup everything. So we do work with you in slightly reducing the risk the older you get and closer to retirement.\n\nWhereas other industry funds, they would just leave you be, and you just say that you just have to change anything if you do want it. So it does work different, but I do understand what you mean that you have to obviously make sure that the fees outweighs the performance that you are getting. Because otherwise, yeah, what's the point? And that is what we have to follow all the time when it comes to that best interest you do, which is if I did research and I found, well, you're moving through or through, but let's say, it was going to put you in a better position and not have advice for you, then I would recommend that. Like, I just get a salary from Oakview.\n\nSo, like, there's nothing. I just do whatever is best for you at the end of the day, and I wanna make sure I can work with you to achieve your goals. But if you are not happy and you want to, you know, go elsewhere, at the end of the day, that that that is completely up to you. My job is to work with you to make sure I can put you in the best position, also have help obviously educate you and everything like that, and working alongside you. Yes.\n\nAnd that is totally fair, and that is completely up to you at the end of the day as well because it's it's not a locking contract in any way. Now just for your reference, let me see here. I just had a quick look at your SOA, the original one when you came on board. And at that time, the five year projection was showing a 190,440. That was five years projected from 2022.\n\nThat was in April 2022. And at the moment, you have a hundred and eighty eight thousand seven hundred and fifteen. So you're act exactly. So you're actually doing pretty much what we anticipated then. Now, obviously, a things do change.\n\nSo, obviously, contributions, your income would have gone up, insurance premiums become more expensive, and stuff like that. But it's you are kind of at least on track for how things were going. But, again, everything does change, which is why this is so important. And, again, at the end of the day, it is completely up to you. By doing the changes, I do believe it's very much going to put you in the best position.\n\nBut if you said in in a year's time or two years' time, you haven't really seen the outcome, then at the end of the day, it's completely up to you. There is no lock in contract. There's no excess fees or anything like that. So it is completely up to you. But, obviously, yeah, our job is just to make sure we put you in the best position and wanna make sure you are happy.\n\nDoes that answer that question? Yeah. No. Beautiful. Now the last thing I do wanna mention is, obviously, with the fee structure, no changes whatsoever.\n\nThis is all part of the ongoing advice fee. So if you do, you know, are happy to go ahead with the change in those investments. From here, like I said, no changes in the fee structure. All part of the advice fee. How to kind of move forward is when you do have a moment, have a read through the email.\n\nIf you have any questions, let me know or give me a call. If not, if you are happy with the changes at the moment, then you would just need to sign those documents, or you can do it digitally same as last time. Once you have signed it, it will then come back to me, and I can let the team know that we'll go ahead and make these investment changes for you. And every under review as well, we can do a bit of an update a bit more in-depth for you as well. So not just, hey.\n\nHow are you going? Where are things at? We can do kind of updated projections and kind of talk you through where things are going to give you a little bit more of that reassurance as well. We can definitely do that. Yep.\n\nYeah. Beautiful. Thank you so much for your time today, Jamie. And like I said, any other questions or anything else that you do need, don't hesitate to give me a call. No problem.\n\nYou too. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.36,"sentiment":"neutral","sentiment_score":0.191005676984787},{"text":"This is Jamie.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.14502165218194327},{"text":"This is Veronica from Oakview Financial.","start":6.16,"end":8.18,"sentiment":"neutral","sentiment_score":0.12800416722893715},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.14296592275301614},{"text":"I'm good.","start":10.88,"end":11.599999,"sentiment":"positive","sentiment_score":0.5446719825267792}],"sentiment":"neutral","sentiment_score":0.1939589404501021,"num_words":16,"start":2.8,"end":11.599999},{"sentences":[{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.6219459772109985},{"text":"I had you booked in for a pretty quick catch up today, really, just to kind of go through the research I did on your super investments.","start":12.825,"end":19.725,"sentiment":"neutral","sentiment_score":0.24361578789022234},{"text":"Is now still a good time for you?","start":20.585,"end":22.365,"sentiment":"neutral","sentiment_score":0.2757333889603615},{"text":"That's perfect.","start":26.2,"end":27.02,"sentiment":"positive","sentiment_score":0.6920410096645355},{"text":"Now, Jamie, before I do go any further, I do need to let you know that our calls calls are being recorded for quality and coaching purposes, if that's okay.","start":28.6,"end":36.78,"sentiment":"neutral","sentiment_score":0.06645666311184566}],"sentiment":"neutral","sentiment_score":0.18798854815609314,"num_words":68,"start":11.599999,"end":36.78},{"sentences":[{"text":"Perfect.","start":38.585,"end":39.085,"sentiment":"positive","sentiment_score":0.4027841091156006},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":39.705,"end":47.005,"sentiment":"neutral","sentiment_score":0.08120544834269418},{"text":"Yep.","start":55.48,"end":55.96,"sentiment":"neutral","sentiment_score":0.1431037187576294},{"text":"Perfect.","start":55.96,"end":56.46,"sentiment":"positive","sentiment_score":0.4790319204330444},{"text":"That's exactly what I have here.","start":56.52,"end":58.46,"sentiment":"positive","sentiment_score":0.5383627414703369}],"sentiment":"neutral","sentiment_score":0.17910120284391773,"num_words":36,"start":38.585,"end":58.46},{"sentences":[{"text":"Now I know you said you are driving, which is okay, but what I have done is I have sent you an email with the document.","start":58.92,"end":66.025,"sentiment":"neutral","sentiment_score":0.19591763615608215},{"text":"Now it is pretty straightforward.","start":66.565,"end":68.104996,"sentiment":"positive","sentiment_score":0.42239096760749817},{"text":"So if you're happy for me to do so, I'll just kind of run through an overview of the changes.","start":68.165,"end":73.604996,"sentiment":"positive","sentiment_score":0.34327768459916114},{"text":"And then when you have a bit more time later on, you can have a read through it.","start":73.604996,"end":76.990005,"sentiment":"neutral","sentiment_score":0.20471967260042825},{"text":"And if you then have any questions, you can give me a call.","start":76.990005,"end":79.630005,"sentiment":"neutral","sentiment_score":0.13392872936450517}],"sentiment":"neutral","sentiment_score":0.23777310559298934,"num_words":82,"start":58.92,"end":79.630005},{"sentences":[{"text":"Is that okay?","start":79.630005,"end":80.450005,"sentiment":"neutral","sentiment_score":0.11132130026817322},{"text":"Yeah.","start":81.11,"end":81.61,"sentiment":"neutral","sentiment_score":0.08921858668327332},{"text":"Okay.","start":82.270004,"end":82.75,"sentiment":"neutral","sentiment_score":0.19191958010196689},{"text":"Perfect.","start":82.75,"end":83.25,"sentiment":"neutral","sentiment_score":0.29467087984085083},{"text":"Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in a statement of advice for you just so that you are fully aware of everything and understand that a lot of it is just for compliance purposes as well, but it is to make sure that you fully understand everything.","start":83.71,"end":103.685,"sentiment":"neutral","sentiment_score":0.1237628183537914}],"sentiment":"neutral","sentiment_score":0.12622158360831878,"num_words":68,"start":79.630005,"end":103.685},{"sentences":[{"text":"Today, it's pretty straightforward, though.","start":104.350006,"end":106.03,"sentiment":"neutral","sentiment_score":0.20867848694324492},{"text":"Not massive changes.","start":106.03,"end":107.25,"sentiment":"neutral","sentiment_score":0.03607374429702759},{"text":"But like I said, if you do have any questions, just let me know.","start":107.79,"end":110.69,"sentiment":"neutral","sentiment_score":0.11718845260994774},{"text":"Yep.","start":112.270004,"end":112.67,"sentiment":"neutral","sentiment_score":0.09539981186389924},{"text":"Now on the cover page, when you do have a look at it, you will see my details list today.","start":112.67,"end":117.575,"sentiment":"neutral","sentiment_score":0.08790540536865592}],"sentiment":"neutral","sentiment_score":0.10804092845078124,"num_words":43,"start":104.350006,"end":117.575},{"sentences":[{"text":"You will also see my authorized representative number, and I am licensed under Oakview Financial.","start":117.575,"end":123.835,"sentiment":"neutral","sentiment_score":0.06397207950552304},{"text":"Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else.","start":125.735,"end":138.23,"sentiment":"neutral","sentiment_score":0.08813428199466537},{"text":"And the advice itself has to put you in a better position as a result of the advice.","start":138.61,"end":143.99,"sentiment":"neutral","sentiment_score":0.1395028999282254},{"text":"Otherwise, we can't actually make the recommendation.","start":144.05,"end":146.87,"sentiment":"neutral","sentiment_score":-0.1750089888061796},{"text":"Does that make sense?","start":147.17,"end":148.31,"sentiment":"neutral","sentiment_score":0.00989452749490738}],"sentiment":"neutral","sentiment_score":0.06771428419802433,"num_words":78,"start":117.575,"end":148.31},{"sentences":[{"text":"Yes.","start":149.845,"end":150.325,"sentiment":"positive","sentiment_score":0.3556922376155853},{"text":"Perfect.","start":150.325,"end":150.825,"sentiment":"positive","sentiment_score":0.6512163281440735},{"text":"Now like I said, today is pretty straightforward.","start":151.125,"end":153.705,"sentiment":"positive","sentiment_score":0.4349132850766182},{"text":"It is just reviewing your superannuation.","start":153.845,"end":156.505,"sentiment":"neutral","sentiment_score":0.3171655088663101},{"text":"We're not making any changes to insurances or anything else, literally just your superannuation.","start":158.085,"end":163.625,"sentiment":"neutral","sentiment_score":-0.010375734684722764}],"sentiment":"neutral","sentiment_score":0.20813158713281155,"num_words":30,"start":149.845,"end":163.625},{"sentences":[{"text":"Now as you have a have a read through the document, you'll also see a couple of pages with just some personal information about you.","start":166.06999,"end":172.70999,"sentiment":"neutral","sentiment_score":0.13006097570061684},{"text":"Just have a bit of a read over it, and let me know if there's anything that's not up to date.","start":172.70999,"end":178.25,"sentiment":"neutral","sentiment_score":0.07302254012652806},{"text":"Otherwise, where it will outline what the actual changes are will be outlined on page let me have a look here.","start":179.515,"end":188.335,"sentiment":"neutral","sentiment_score":0.08822008701307434},{"text":"Page 18 is where it kind of summarizes the recommendation in one of those tables that you would have seen before.","start":188.715,"end":196.48999,"sentiment":"neutral","sentiment_score":0.10934335099799293},{"text":"It's just a bit of an updated projection table for you to show you the impact of the the recommendation.","start":196.48999,"end":202.51,"sentiment":"neutral","sentiment_score":0.12582843452692033}],"sentiment":"neutral","sentiment_score":0.10602220948095675,"num_words":108,"start":166.06999,"end":202.51},{"sentences":[{"text":"Now I did do a lot of research on your hub twenty four account as well just to make sure it's still the best option for you because there's always new products and features that comes out.","start":204.985,"end":214.985,"sentiment":"neutral","sentiment_score":0.2518966487936071},{"text":"So it is important for us to do some research every now and then on the product just to make sure it's still the best one for you.","start":214.985,"end":222.56,"sentiment":"neutral","sentiment_score":0.26449405189071384},{"text":"And at the moment, I have recommended that you stay in Hub twenty four.","start":222.56,"end":226.66,"sentiment":"neutral","sentiment_score":0.29952857217618395},{"text":"It's still really competitive when it comes to other options out there in terms of, you know, fees, flexibility, and investment choices.","start":226.88,"end":234.34,"sentiment":"positive","sentiment_score":0.41345624219287525},{"text":"And I do use Hub twenty four for my personal super as well.","start":235.00499,"end":238.545,"sentiment":"positive","sentiment_score":0.3408280427639301}],"sentiment":"neutral","sentiment_score":0.30215974871003837,"num_words":114,"start":204.985,"end":238.545},{"sentences":[{"text":"So, yeah, definitely haven't recommended to make any changes to Hub twenty four, literally just swapping some of your investments around.","start":238.92499,"end":245.985,"sentiment":"neutral","sentiment_score":-0.09843877135288148},{"text":"Yep.","start":247.98,"end":248.48,"sentiment":"neutral","sentiment_score":0.27400970458984375},{"text":"Now when it comes to the actual investment changes, how that changes the position for you is that it actually reduces the investment fees, which is great.","start":248.86,"end":260.32,"sentiment":"positive","sentiment_score":0.4140974567444236},{"text":"So you will save about $615 a year just from investment fees alone, which is pretty good.","start":260.795,"end":269.135,"sentiment":"positive","sentiment_score":0.7181577366941115},{"text":"Now when it comes to the return as well, change.","start":272.155,"end":275.775,"sentiment":"neutral","sentiment_score":0.22026123106479645}],"sentiment":"neutral","sentiment_score":0.31314106148324516,"num_words":76,"start":238.92499,"end":275.775},{"sentences":[{"text":"So we're not making any changes to your risk profile.","start":276.02,"end":279.48,"sentiment":"neutral","sentiment_score":0.033501680567860605},{"text":"We are staying the same at growth.","start":279.94,"end":281.94,"sentiment":"neutral","sentiment_score":0.25668675346033915},{"text":"So not making any changes in there, literally just swapping some that was underperforming through some to put you in a better position moving forward.","start":281.94,"end":289.88,"sentiment":"neutral","sentiment_score":0.1893453788757324},{"text":"And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis.","start":290.77502,"end":307.12997,"sentiment":"neutral","sentiment_score":0.23745951605470558},{"text":"And the new recommended has performed at 13.85%.","start":308.55,"end":314.56998,"sentiment":"neutral","sentiment_score":0.2806076891720295}],"sentiment":"neutral","sentiment_score":0.20606570085510612,"num_words":88,"start":276.02,"end":314.56998},{"sentences":[{"text":"So it is about 6¢ better, which is pretty good.","start":315.365,"end":319.785,"sentiment":"neutral","sentiment_score":0.3207092185815175},{"text":"But the thing as well is that things are always changing in the market.","start":323.125,"end":327.225,"sentiment":"neutral","sentiment_score":-0.06337909320635456},{"text":"So back then, it's obviously hard to know what's going to change and happen in the future.","start":327.365,"end":333.74002,"sentiment":"neutral","sentiment_score":-0.11274621482281123},{"text":"No one could predict, obviously, COVID or the war or what Trump's gonna do.","start":333.74002,"end":337.90002,"sentiment":"neutral","sentiment_score":-0.13522884781871522},{"text":"So there is obviously a lot, but that's why this annual reviews are so important because it does give us a bit of a check-in to see, like, okay.","start":337.90002,"end":345.875,"sentiment":"neutral","sentiment_score":0.07471059095756762}],"sentiment":"neutral","sentiment_score":0.004286666008004223,"num_words":84,"start":315.365,"end":345.875},{"sentences":[{"text":"Well, what's happened?","start":345.875,"end":347.415,"sentiment":"neutral","sentiment_score":0.042307854940493904},{"text":"How things change?","start":347.55502,"end":348.515,"sentiment":"neutral","sentiment_score":0.026373428603013355},{"text":"And what do we wanna do moving forward to making sure that we have you in the best position?","start":348.515,"end":353.095,"sentiment":"neutral","sentiment_score":0.18791718624140086},{"text":"And that is going to change with time as, obviously, things things change for you, but then also, obviously, the market and the world itself.","start":353.795,"end":362.09,"sentiment":"neutral","sentiment_score":0.10294392928481103},{"text":"And the really good thing with hub twenty four is there's hundreds and hundreds of different options for us to choose from that we can very quickly make a couple of changes for you.","start":362.55,"end":370.905,"sentiment":"positive","sentiment_score":0.38506923396797743}],"sentiment":"neutral","sentiment_score":0.2314574116220077,"num_words":84,"start":345.875,"end":370.905},{"sentences":[{"text":"So, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic.","start":372.26498,"end":379.085,"sentiment":"positive","sentiment_score":0.618595777451992},{"text":"Now the one thing I do want to mention is that every time we do make investment changes, if we are selling an investment that has gone up, there will be capital gains tax.","start":380.905,"end":391.62,"sentiment":"neutral","sentiment_score":0.07600890242439859},{"text":"Now that does change a little bit on a daily when we're calculating it, and I've tried to minimize that as much as possible for you considering when I have made the changes in the investment.","start":392.16,"end":403.835,"sentiment":"neutral","sentiment_score":0.07597141190328532},{"text":"So by doing the changes, it will be roughly a $196, which which is really good.","start":404.85498,"end":413.25,"sentiment":"positive","sentiment_score":0.4876744206994772},{"text":"So if we were to do a full sell down, so I completely switch everything, it would be about 3,066.","start":413.33,"end":420.79,"sentiment":"neutral","sentiment_score":0.14209515769034625}],"sentiment":"neutral","sentiment_score":0.22488795988084304,"num_words":126,"start":372.26498,"end":420.79},{"sentences":[{"text":"Yeah.","start":422.77,"end":423.27,"sentiment":"neutral","sentiment_score":0.06356780976057053},{"text":"So if you do see about a 196, that's the tax that come out.","start":423.49,"end":428.02502,"sentiment":"neutral","sentiment_score":0.01405880821818885},{"text":"So try to minimize that as much as possible.","start":428.02502,"end":430.105,"sentiment":"neutral","sentiment_score":0.08509866562154558},{"text":"So we're very happy with that.","start":430.105,"end":431.64502,"sentiment":"positive","sentiment_score":0.675080140431722},{"text":"We're still obviously trying to make sure we we swap out the ones that we do want to.","start":431.945,"end":436.505,"sentiment":"neutral","sentiment_score":0.13993673192130196}],"sentiment":"neutral","sentiment_score":0.15824210692881024,"num_words":48,"start":422.77,"end":436.505},{"sentences":[{"text":"Does that all make sense, Jamie, so far?","start":436.505,"end":438.605,"sentiment":"neutral","sentiment_score":0.09141745697706938},{"text":"Yeah.","start":439.625,"end":440.02502,"sentiment":"positive","sentiment_score":0.3454689383506775},{"text":"Great.","start":440.02502,"end":440.49,"sentiment":"positive","sentiment_score":0.6914228200912476},{"text":"Perfect.","start":440.65,"end":441.15,"sentiment":"positive","sentiment_score":0.6196368336677551},{"text":"Now, basically, everything I have touched on as well, it is outlined in words as well in the statement of advice so that you can have a read over it.","start":441.69,"end":450.50998,"sentiment":"neutral","sentiment_score":0.12510138327876727}],"sentiment":"neutral","sentiment_score":0.14977828649485983,"num_words":41,"start":436.505,"end":450.50998},{"sentences":[{"text":"And it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option.","start":450.65,"end":469.81,"sentiment":"neutral","sentiment_score":-0.030644139793332456},{"text":"But also alternatives.","start":472.27,"end":473.49,"sentiment":"neutral","sentiment_score":-0.026902909701069195},{"text":"So like I said, I considered other options for you.","start":473.63,"end":476.51,"sentiment":"neutral","sentiment_score":-0.03147314451634884},{"text":"One of the ones I were considering was my North.","start":476.51,"end":479.16998,"sentiment":"neutral","sentiment_score":-0.03532490991055966},{"text":"But, again, the capital gains tax would be over 3,000 to do it, and it just wasn't worth making the change when I could do exactly the same in Hub 24 for you.","start":480.065,"end":489.92502,"sentiment":"neutral","sentiment_score":-0.11742079416007707}],"sentiment":"neutral","sentiment_score":-0.05731848522661886,"num_words":109,"start":450.65,"end":489.92502},{"sentences":[{"text":"Yep.","start":491.505,"end":491.91,"sentiment":"neutral","sentiment_score":0.039437271654605865},{"text":"Now when it comes to the actual investment changes, that is outlined on page 15 when you do have a moment to have a look at it.","start":492.31,"end":500.97,"sentiment":"neutral","sentiment_score":0.04422853535248174},{"text":"Excuse me.","start":502.31,"end":503.11002,"sentiment":"neutral","sentiment_score":-0.01421866100281477},{"text":"Now it is outlined in a table.","start":503.11002,"end":505.21,"sentiment":"neutral","sentiment_score":0.018805316117193018},{"text":"It can look a little bit messy, but, basically, if you look at it, you will see investment name.","start":505.27,"end":511.185,"sentiment":"neutral","sentiment_score":0.016979777695317017}],"sentiment":"neutral","sentiment_score":0.02963256059280996,"num_words":56,"start":491.505,"end":511.185},{"sentences":[{"text":"It lists all your current investments along with the new ones I have recommended.","start":511.185,"end":516.005,"sentiment":"neutral","sentiment_score":0.06611053964921407},{"text":"It shows you as well a buy and sell table.","start":517.345,"end":520.485,"sentiment":"neutral","sentiment_score":0.05986329726874828},{"text":"Now everything in red is what we are selling.","start":521.3,"end":524.68,"sentiment":"neutral","sentiment_score":0.05375873090492354},{"text":"Everything in black is what we are either retaining or purchasing.","start":525.3,"end":529.64,"sentiment":"neutral","sentiment_score":0.04408764432777058},{"text":"Okay?","start":529.77997,"end":530.27997,"sentiment":"neutral","sentiment_score":0.03875092417001724}],"sentiment":"neutral","sentiment_score":0.05626053594880634,"num_words":45,"start":511.185,"end":530.27997},{"sentences":[{"text":"Yep.","start":532.18,"end":532.68,"sentiment":"neutral","sentiment_score":0.0540056936442852},{"text":"Now it probably makes more sense when you're actually looking at the document.","start":532.835,"end":536.695,"sentiment":"neutral","sentiment_score":0.05291995979272402},{"text":"But, essentially, the the philosophy around how we construct the portfolio, nothing is changing in regards to that.","start":537.955,"end":545.07,"sentiment":"neutral","sentiment_score":-0.0006132884882390499},{"text":"We are still very much following that core and satellite approach to investment, which is that we do invest majority of the funds in the core, which kind of represents the backbone of your portfolio.","start":545.31,"end":558.61,"sentiment":"neutral","sentiment_score":0.29404539295605253},{"text":"So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it.","start":559.545,"end":571.98,"sentiment":"neutral","sentiment_score":0.3311653546988964}],"sentiment":"neutral","sentiment_score":0.22681428896802885,"num_words":107,"start":532.18,"end":571.98},{"sentences":[{"text":"So, for example, one of them is your iShares S and P five hundred.","start":572.45996,"end":576.86,"sentiment":"neutral","sentiment_score":0.24242395801203592},{"text":"You already have that in your portfolio.","start":576.86,"end":578.72,"sentiment":"positive","sentiment_score":0.45038617083004545},{"text":"It was doing really well.","start":578.77997,"end":580.24,"sentiment":"positive","sentiment_score":0.6888279914855957},{"text":"And just for your reference, just with that one single investment, it does invest in the 500 largest companies listed in The US.","start":580.86,"end":588.885,"sentiment":"neutral","sentiment_score":0.18140809885833575},{"text":"So, obviously, very diversified for you.","start":588.885,"end":591.145,"sentiment":"neutral","sentiment_score":0.2787904515862465}],"sentiment":"neutral","sentiment_score":0.2879255917939273,"num_words":55,"start":572.45996,"end":591.145},{"sentences":[{"text":"But what we have then swapped is your Bennelong one.","start":593.285,"end":595.765,"sentiment":"neutral","sentiment_score":0.03608655259013176},{"text":"That was the one that were was kind of underperforming a little bit.","start":595.765,"end":599.225,"sentiment":"neutral","sentiment_score":-0.11039570403786805},{"text":"But we wanna also make sure that we do have some exposure to the Australian market.","start":599.445,"end":603.56,"sentiment":"neutral","sentiment_score":0.0280096490168944},{"text":"So I have swapped that one out for another one, which is called the BetaShares Australia two hundred.","start":603.62,"end":610.76,"sentiment":"neutral","sentiment_score":0.11235760152339935},{"text":"Now this one is a little bit cheaper than your Benelon, which is how we've managed to reduce those fees a little bit, but also has improved a performed a little bit better.","start":611.14,"end":621.79504,"sentiment":"neutral","sentiment_score":0.3321807885711843}],"sentiment":"neutral","sentiment_score":0.13731420675499573,"num_words":90,"start":593.285,"end":621.79504},{"sentences":[{"text":"But it is investing in the 200 largest companies listed in Australia.","start":622.49506,"end":626.99506,"sentiment":"neutral","sentiment_score":0.2012410374979178},{"text":"So you'll have all the big companies like Commonwealth and BHP and Woolworths.","start":627.29004,"end":630.83,"sentiment":"neutral","sentiment_score":0.2653866731203519},{"text":"So, again, making sure we do do give you a very well diversified exposure.","start":631.21,"end":635.79004,"sentiment":"positive","sentiment_score":0.44463386280196054},{"text":"All make sense so far?","start":636.17004,"end":637.63,"sentiment":"neutral","sentiment_score":0.2859243512153625},{"text":"Yep.","start":638.97003,"end":639.255,"sentiment":"neutral","sentiment_score":0.20208895206451416}],"sentiment":"neutral","sentiment_score":0.30492231084240806,"num_words":45,"start":622.49506,"end":639.255},{"sentences":[{"text":"Perfect.","start":639.415,"end":639.915,"sentiment":"positive","sentiment_score":0.5367746353149414},{"text":"But then we obviously wanna make sure as well and, obviously, aside from your defensive so gold, for example, we are keeping that exposure for you.","start":640.455,"end":648.395,"sentiment":"neutral","sentiment_score":0.13677827870616546},{"text":"We are increasing it slightly from at the moment, you have about 7.7%, increasing that to about 10.","start":648.455,"end":655.33,"sentiment":"neutral","sentiment_score":0.12288678478863505},{"text":"It's been doing really good, and it's very good kind of stabilizer when we do seeing a bit of fluctuations in the market.","start":655.33,"end":661.59,"sentiment":"positive","sentiment_score":0.4952239258133847},{"text":"We very much wanna keep the gold in the portfolio, but also wanna keep fixed interest from making sure we drew limit fluctuations a little bit, I'm only at about 14%.","start":661.89,"end":674.285,"sentiment":"neutral","sentiment_score":0.1763127438363529}],"sentiment":"neutral","sentiment_score":0.23394765010611576,"num_words":99,"start":639.415,"end":674.285},{"sentences":[{"text":"So, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well.","start":674.345,"end":681.24,"sentiment":"neutral","sentiment_score":0.1536490266089854},{"text":"And when it comes to kind of the satellite investments, and these are the ones that's, you know, a little bit more specialized to tryna maximize that growth for you, but they can be a little bit more volatile, and that's why they only represent a smaller portion of your portfolio.","start":683.0,"end":700.615,"sentiment":"neutral","sentiment_score":0.0664772674505252},{"text":"So we don't wanna put too much in there, just a little bit to tryna take advantage of that.","start":700.675,"end":705.415,"sentiment":"neutral","sentiment_score":0.042182988830302894},{"text":"And part of that is we have about 5% invested in Japan, about 8% in Europe.","start":705.875,"end":714.23,"sentiment":"neutral","sentiment_score":0.11463355645537376},{"text":"We are keeping 5%, which you already have, in cybersecurity.","start":714.85,"end":719.51,"sentiment":"neutral","sentiment_score":0.13992012441158294}],"sentiment":"neutral","sentiment_score":0.09209313602656313,"num_words":119,"start":674.345,"end":719.51},{"sentences":[{"text":"And then we do have another one, which is 8% in one that's called Vanguard All World.","start":721.01,"end":727.02997,"sentiment":"neutral","sentiment_score":0.08596503559280844},{"text":"You may have heard of Vanguard before.","start":727.19495,"end":729.51495,"sentiment":"neutral","sentiment_score":0.03580399176904133},{"text":"They are quite big.","start":729.51495,"end":730.65497,"sentiment":"neutral","sentiment_score":0.05729127302765846},{"text":"But this investment here, it excludes The US.","start":731.75494,"end":734.71497,"sentiment":"neutral","sentiment_score":0.022535740048624575},{"text":"So it invests all around the globe, but excluding The US because you already have exposure to The US in that iShares s and p 500, and we don't want you to have overexposure in one area either.","start":734.71497,"end":746.66003,"sentiment":"neutral","sentiment_score":0.015453317619271968}],"sentiment":"neutral","sentiment_score":0.036604197695851326,"num_words":74,"start":721.01,"end":746.66003},{"sentences":[{"text":"So we wanna make sure we diversify things for you.","start":746.80005,"end":749.68005,"sentiment":"neutral","sentiment_score":0.057810714840888976},{"text":"Does that make sense?","start":749.68005,"end":750.82,"sentiment":"neutral","sentiment_score":0.07221219129860401},{"text":"Yep.","start":752.32,"end":752.775,"sentiment":"neutral","sentiment_score":0.1781625598669052},{"text":"Yep.","start":752.935,"end":753.17505,"sentiment":"neutral","sentiment_score":0.23532965779304504},{"text":"Perfect.","start":753.17505,"end":753.67505,"sentiment":"positive","sentiment_score":0.4819394946098328}],"sentiment":"neutral","sentiment_score":0.10366986034547582,"num_words":17,"start":746.80005,"end":753.67505},{"sentences":[{"text":"That's great.","start":753.815,"end":754.55505,"sentiment":"positive","sentiment_score":0.609561562538147},{"text":"And that is essentially the changes.","start":754.935,"end":757.275,"sentiment":"neutral","sentiment_score":0.24993916600942612},{"text":"So it's not drastic changes.","start":757.495,"end":759.275,"sentiment":"neutral","sentiment_score":0.11319896280765533},{"text":"It is literally swapping out some that, you know, we foresee maybe moving forward isn't going to put you in a good of a position.","start":759.575,"end":766.955,"sentiment":"neutral","sentiment_score":0.25181949377059937},{"text":"If we can change it based on all the market trends and everything that's going to happen that we foresee, then that's also part of our job.","start":767.24,"end":773.72,"sentiment":"neutral","sentiment_score":0.30243956987504605}],"sentiment":"neutral","sentiment_score":0.2730170564009593,"num_words":65,"start":753.815,"end":773.72},{"sentences":[{"text":"And that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day.","start":773.72,"end":787.66504,"sentiment":"positive","sentiment_score":0.4226362728155576},{"text":"Yep.","start":789.48505,"end":789.98505,"sentiment":"neutral","sentiment_score":0.07747282087802887},{"text":"Yep.","start":797.82,"end":798.32,"sentiment":"neutral","sentiment_score":0.04050135612487793},{"text":"Yeah.","start":811.275,"end":811.775,"sentiment":"neutral","sentiment_score":0.01351171638816595},{"text":"Yeah.","start":813.995,"end":814.315,"sentiment":"neutral","sentiment_score":0.039602309465408325}],"sentiment":"positive","sentiment_score":0.3955031140940264,"num_words":56,"start":773.72,"end":814.315},{"sentences":[{"text":"So I have done now I typically only do about five and ten years projections, and that is just because there's so much that can change over a longer period of time as well.","start":814.315,"end":825.37,"sentiment":"neutral","sentiment_score":0.03156220151440186},{"text":"But if we do use a ten year time frame so that you can see that, on a ten year, with your current structure, like, if you decide, no.","start":826.07,"end":836.415,"sentiment":"neutral","sentiment_score":0.017979356042783837},{"text":"I don't wanna make any changes whatsoever, but, obviously, income and everything stays the same, you are projected to then be on track to have about four hundred and forty nine thousand five hundred and twelve in ten years.","start":836.415,"end":851.22,"sentiment":"neutral","sentiment_score":0.07810565447195983},{"text":"Now by make yeah.","start":852.16,"end":854.42,"sentiment":"neutral","sentiment_score":0.03182852314785123},{"text":"By making the change, you are then projected to have 738,509.","start":854.48,"end":862.98,"sentiment":"neutral","sentiment_score":0.05057494731789285}],"sentiment":"neutral","sentiment_score":0.0455066257626073,"num_words":117,"start":814.315,"end":862.98},{"sentences":[{"text":"So it is about 288,997 difference in ten years, which is pretty crazy.","start":863.36,"end":872.60504,"sentiment":"neutral","sentiment_score":-0.012770309686087646},{"text":"So you still have fees and stuff coming out.","start":888.615,"end":892.695,"sentiment":"neutral","sentiment_score":-0.04068688220447964},{"text":"So the return on the investment is about 7.78, but then bear in mind that you do have platform fees.","start":892.695,"end":901.095,"sentiment":"neutral","sentiment_score":0.05849261935800314},{"text":"You have insurances, advice fees.","start":901.095,"end":903.31,"sentiment":"neutral","sentiment_score":0.016754616424441336},{"text":"You have everything coming out of the account as well.","start":903.31,"end":905.81,"sentiment":"neutral","sentiment_score":0.032723013684153555}],"sentiment":"neutral","sentiment_score":0.018397537550251735,"num_words":57,"start":863.36,"end":905.81},{"sentences":[{"text":"So this factors in all of it.","start":905.87,"end":908.20996,"sentiment":"neutral","sentiment_score":0.038874954251306396},{"text":"Yeah.","start":924.445,"end":924.945,"sentiment":"neutral","sentiment_score":0.17911171913146973},{"text":"And that is an that is an excellent question, and that's what we factor in as well when it does come through different options.","start":925.40497,"end":931.62,"sentiment":"positive","sentiment_score":0.3699009772390127},{"text":"So part of when I do the research is factoring in that, well, okay.","start":931.62,"end":935.72,"sentiment":"neutral","sentiment_score":0.15255522515092576},{"text":"Well, is moving through, let's say, not hub twenty four moving to, like, a standard industry fund where you don't have adviser fees and just like your Australian Super or QSuper or Australian Retirement Trust or anything like that.","start":936.89996,"end":951.47504,"sentiment":"neutral","sentiment_score":0.010692753124600038}],"sentiment":"neutral","sentiment_score":0.1397841220776386,"num_words":85,"start":905.87,"end":951.47504},{"sentences":[{"text":"And, also, what we see is, yes, sometimes the fees are cheaper, not always.","start":952.015,"end":956.275,"sentiment":"neutral","sentiment_score":0.06784742219107491},{"text":"The platform fees now, obviously, you don't typically have a device for fees, so that makes a difference.","start":956.97504,"end":962.195,"sentiment":"neutral","sentiment_score":0.04406305940614806},{"text":"So fee wise can be a bit cheaper, but we usually cannot risk like, we cannot achieve the same return.","start":963.25,"end":972.63,"sentiment":"neutral","sentiment_score":-0.0221239035949111},{"text":"So, yes, fees are a little bit cheaper, but with the limited investment choices, we don't have the same flexibility of what we can actually choose for you to be invested in, which limits what we can do.","start":973.17,"end":985.635,"sentiment":"neutral","sentiment_score":-0.10398710989638378},{"text":"So when we do the research, we we have found I haven't found another option for you.","start":986.655,"end":991.215,"sentiment":"neutral","sentiment_score":0.03174776123727069}],"sentiment":"neutral","sentiment_score":-0.019731563803191497,"num_words":107,"start":952.015,"end":991.215},{"sentences":[{"text":"When I did the research, that would produce as good of an outcome when it comes to return.","start":991.215,"end":996.64996,"sentiment":"neutral","sentiment_score":0.11825601591004266},{"text":"So part of the best interest is making sure, well, if you are paying for more in fees, you obviously need to make sure that you have other areas that then would negate it.","start":997.27,"end":1006.39,"sentiment":"neutral","sentiment_score":-0.02477794819894959},{"text":"So net of everything, you are in a better position.","start":1006.39,"end":1009.93,"sentiment":"neutral","sentiment_score":0.1290769934654236},{"text":"Exactly.","start":1013.645,"end":1014.145,"sentiment":"neutral","sentiment_score":0.020743446424603466},{"text":"If we yeah.","start":1028.62,"end":1030.48,"sentiment":"neutral","sentiment_score":-0.023874130100011826}],"sentiment":"neutral","sentiment_score":0.03827347027871645,"num_words":66,"start":991.215,"end":1030.48},{"sentences":[{"text":"Yeah.","start":1042.555,"end":1042.795,"sentiment":"neutral","sentiment_score":-0.0042163655161857605},{"text":"And and it is yeah.","start":1042.795,"end":1045.275,"sentiment":"neutral","sentiment_score":0.006083680316805839},{"text":"And, obviously, as well, because every time you do when you do compare returns as well, it's using historical historical performance.","start":1045.275,"end":1052.95,"sentiment":"neutral","sentiment_score":0.0667847613138812},{"text":"And, obviously, like, you know, four, five years ago, things were looking a bit different, and that is why it is good to redo this all the time.","start":1053.8099,"end":1064.145,"sentiment":"neutral","sentiment_score":0.10227709636092186},{"text":"And that's usually why I do like to do about five and ten years because so much are changing all the time, and I would rather have a more more realistic outcome.","start":1064.145,"end":1073.285,"sentiment":"neutral","sentiment_score":0.2575377142056823}],"sentiment":"neutral","sentiment_score":0.1440649146706551,"num_words":87,"start":1042.555,"end":1073.285},{"sentences":[{"text":"Now, again, you can't guarantee.","start":1073.4249,"end":1075.0449,"sentiment":"neutral","sentiment_score":-0.07675804421305657},{"text":"We can't guarantee what's going to happen.","start":1075.2,"end":1077.12,"sentiment":"neutral","sentiment_score":-0.2633434406348637},{"text":"Who knows what's going to happen in the world?","start":1077.12,"end":1079.22,"sentiment":"neutral","sentiment_score":-0.18444548381699455},{"text":"But that is also why we try to diversify the portfolio as much as possible so that if something happens to one area, not everything's affected.","start":1079.5199,"end":1088.74,"sentiment":"neutral","sentiment_score":0.18087014212058142},{"text":"Now sometimes what happens in your standard industry funds is that you still sometimes have different options, but it's very limited.","start":1089.115,"end":1096.335,"sentiment":"neutral","sentiment_score":-0.03827363359076636}],"sentiment":"neutral","sentiment_score":0.00017167249804033954,"num_words":68,"start":1073.4249,"end":1096.335},{"sentences":[{"text":"So instead of having hundreds of different choices, it's usually, like, 10 to maybe 20 choices.","start":1096.475,"end":1101.5349,"sentiment":"neutral","sentiment_score":-0.013135518180206418},{"text":"And how it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding what goes in and out of the portfolio.","start":1102.4099,"end":1114.99,"sentiment":"neutral","sentiment_score":0.12152046006586817},{"text":"Now you don't actually have oversight of what you are invested in aside from the name.","start":1115.37,"end":1120.885,"sentiment":"neutral","sentiment_score":-0.04770338675007224},{"text":"They just decide what goes in and out, and you don't know.","start":1121.105,"end":1124.485,"sentiment":"neutral","sentiment_score":-0.06229664385318756},{"text":"So it's also when it comes to that, it it's harder to get an understanding because there could be investments you don't agree with.","start":1124.785,"end":1131.3451,"sentiment":"neutral","sentiment_score":-0.1991916379580895}],"sentiment":"neutral","sentiment_score":-0.02045043224755388,"num_words":104,"start":1096.475,"end":1131.3451},{"sentences":[{"text":"There could be, you know, other things as well.","start":1131.3451,"end":1134.1799,"sentiment":"neutral","sentiment_score":-0.15535276548730004},{"text":"But, again, also part of what we do is we also with your changes, and the closer you get to retirement is, well, we want to potentially make changes.","start":1134.96,"end":1145.62,"sentiment":"neutral","sentiment_score":0.11356641198026723},{"text":"So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement.","start":1145.7949,"end":1154.455,"sentiment":"neutral","sentiment_score":-0.08310873614890235},{"text":"Because if it did happen in the market then, you don't potentially have the time to recoup everything.","start":1154.835,"end":1159.6549,"sentiment":"neutral","sentiment_score":0.0011461940076616076},{"text":"So we do work with you in slightly reducing the risk the older you get and closer to retirement.","start":1160.0599,"end":1165.6799,"sentiment":"neutral","sentiment_score":0.3264387995004654}],"sentiment":"neutral","sentiment_score":0.047358308867974715,"num_words":110,"start":1131.3451,"end":1165.6799},{"sentences":[{"text":"Whereas other industry funds, they would just leave you be, and you just say that you just have to change anything if you do want it.","start":1166.62,"end":1173.6799,"sentiment":"neutral","sentiment_score":-0.023472654418303415},{"text":"So it does work different, but I do understand what you mean that you have to obviously make sure that the fees outweighs the performance that you are getting.","start":1174.825,"end":1182.845,"sentiment":"neutral","sentiment_score":0.026085128108489102},{"text":"Because otherwise, yeah, what's the point?","start":1182.9049,"end":1185.085,"sentiment":"neutral","sentiment_score":0.03771601772556702},{"text":"And that is what we have to follow all the time when it comes to that best interest you do, which is if I did research and I found, well, you're moving through or through, but let's say, it was going to put you in a better position and not have advice for you, then I would recommend that.","start":1185.225,"end":1199.1,"sentiment":"neutral","sentiment_score":0.18697496358368357},{"text":"Like, I just get a salary from Oakview.","start":1199.3999,"end":1201.58,"sentiment":"neutral","sentiment_score":0.2814558297395706}],"sentiment":"neutral","sentiment_score":0.10668472887482494,"num_words":128,"start":1166.62,"end":1201.58},{"sentences":[{"text":"So, like, there's nothing.","start":1202.075,"end":1203.275,"sentiment":"neutral","sentiment_score":0.21693013980984688},{"text":"I just do whatever is best for you at the end of the day, and I wanna make sure I can work with you to achieve your goals.","start":1203.275,"end":1208.955,"sentiment":"positive","sentiment_score":0.4213940107396671},{"text":"But if you are not happy and you want to, you know, go elsewhere, at the end of the day, that that that is completely up to you.","start":1208.955,"end":1215.63,"sentiment":"neutral","sentiment_score":-0.08948094105081898},{"text":"My job is to work with you to make sure I can put you in the best position, also have help obviously educate you and everything like that, and working alongside you.","start":1215.63,"end":1225.25,"sentiment":"positive","sentiment_score":0.42496593203395605},{"text":"Yes.","start":1233.005,"end":1233.505,"sentiment":"neutral","sentiment_score":0.12517178058624268}],"sentiment":"neutral","sentiment_score":0.2568319152279567,"num_words":93,"start":1202.075,"end":1233.505},{"sentences":[{"text":"And that is totally fair, and that is completely up to you at the end of the day as well because it's it's not a locking contract in any way.","start":1238.525,"end":1246.84,"sentiment":"positive","sentiment_score":0.3530959039926529},{"text":"Now just for your reference, let me see here.","start":1247.86,"end":1252.12,"sentiment":"neutral","sentiment_score":0.06251612347033289},{"text":"I just had a quick look at your SOA, the original one when you came on board.","start":1253.845,"end":1260.905,"sentiment":"neutral","sentiment_score":0.09695653573555105},{"text":"And at that time, the five year projection was showing a 190,440.","start":1262.245,"end":1271.77,"sentiment":"neutral","sentiment_score":0.07835499693950017},{"text":"That was five years projected from 2022.","start":1272.55,"end":1277.77,"sentiment":"neutral","sentiment_score":0.08095970749855042}],"sentiment":"neutral","sentiment_score":0.1908101500570774,"num_words":75,"start":1238.525,"end":1277.77},{"sentences":[{"text":"That was in April 2022.","start":1277.99,"end":1280.73,"sentiment":"neutral","sentiment_score":0.04566980972886085},{"text":"And at the moment, you have a hundred and eighty eight thousand seven hundred and fifteen.","start":1281.965,"end":1286.545,"sentiment":"neutral","sentiment_score":0.09699959866702557},{"text":"So you're act exactly.","start":1288.365,"end":1291.265,"sentiment":"neutral","sentiment_score":0.155630175024271},{"text":"So you're actually doing pretty much what we anticipated then.","start":1291.325,"end":1297.5801,"sentiment":"positive","sentiment_score":0.3858225464820862},{"text":"Now, obviously, a things do change.","start":1297.88,"end":1301.56,"sentiment":"neutral","sentiment_score":0.03577090396235386}],"sentiment":"neutral","sentiment_score":0.1579442491709459,"num_words":41,"start":1277.99,"end":1301.56},{"sentences":[{"text":"So, obviously, contributions, your income would have gone up, insurance premiums become more expensive, and stuff like that.","start":1301.56,"end":1307.175,"sentiment":"neutral","sentiment_score":-0.11493616095847553},{"text":"But it's you are kind of at least on track for how things were going.","start":1307.7351,"end":1312.9551,"sentiment":"neutral","sentiment_score":0.08184444084763527},{"text":"But, again, everything does change, which is why this is so important.","start":1315.015,"end":1317.915,"sentiment":"neutral","sentiment_score":0.24552667327225208},{"text":"And, again, at the end of the day, it is completely up to you.","start":1318.535,"end":1321.62,"sentiment":"positive","sentiment_score":0.350826763681003},{"text":"By doing the changes, I do believe it's very much going to put you in the best position.","start":1321.86,"end":1325.8,"sentiment":"positive","sentiment_score":0.6648983690473769}],"sentiment":"neutral","sentiment_score":0.24655689778072493,"num_words":77,"start":1301.56,"end":1325.8},{"sentences":[{"text":"But if you said in in a year's time or two years' time, you haven't really seen the outcome, then at the end of the day, it's completely up to you.","start":1326.02,"end":1333.14,"sentiment":"neutral","sentiment_score":0.16009864607645619},{"text":"There is no lock in contract.","start":1333.14,"end":1334.34,"sentiment":"neutral","sentiment_score":0.023226112127304077},{"text":"There's no excess fees or anything like that.","start":1334.34,"end":1336.455,"sentiment":"neutral","sentiment_score":0.10407023131847382},{"text":"So it is completely up to you.","start":1337.4149,"end":1339.095,"sentiment":"neutral","sentiment_score":0.30455497758729116},{"text":"But, obviously, yeah, our job is just to make sure we put you in the best position and wanna make sure you are happy.","start":1339.095,"end":1343.995,"sentiment":"positive","sentiment_score":0.5574450815717379}],"sentiment":"neutral","sentiment_score":0.2821782020067698,"num_words":76,"start":1326.02,"end":1343.995},{"sentences":[{"text":"Does that answer that question?","start":1346.615,"end":1348.075,"sentiment":"neutral","sentiment_score":0.03680558279156685},{"text":"Yeah.","start":1351.1901,"end":1351.3501,"sentiment":"neutral","sentiment_score":0.0786169171333313},{"text":"No.","start":1351.3501,"end":1351.67,"sentiment":"neutral","sentiment_score":0.06806126236915588},{"text":"Beautiful.","start":1351.67,"end":1352.17,"sentiment":"positive","sentiment_score":0.4493079781532288},{"text":"Now the last thing I do wanna mention is, obviously, with the fee structure, no changes whatsoever.","start":1353.27,"end":1358.4901,"sentiment":"neutral","sentiment_score":0.12473719435579636}],"sentiment":"neutral","sentiment_score":0.11602185502648353,"num_words":25,"start":1346.615,"end":1358.4901},{"sentences":[{"text":"This is all part of the ongoing advice fee.","start":1358.63,"end":1361.29,"sentiment":"neutral","sentiment_score":0.20824555390410954},{"text":"So if you do, you know, are happy to go ahead with the change in those investments.","start":1361.3501,"end":1366.275,"sentiment":"positive","sentiment_score":0.3565683136968052},{"text":"From here, like I said, no changes in the fee structure.","start":1367.6951,"end":1370.5751,"sentiment":"neutral","sentiment_score":0.059491059658202256},{"text":"All part of the advice fee.","start":1370.5751,"end":1372.595,"sentiment":"neutral","sentiment_score":0.18133138865232468},{"text":"How to kind of move forward is when you do have a moment, have a read through the email.","start":1373.535,"end":1378.27,"sentiment":"neutral","sentiment_score":0.2601664583933981}],"sentiment":"neutral","sentiment_score":0.23582941960663564,"num_words":62,"start":1358.63,"end":1378.27},{"sentences":[{"text":"If you have any questions, let me know or give me a call.","start":1378.27,"end":1381.3301,"sentiment":"neutral","sentiment_score":0.117453110905794},{"text":"If not, if you are happy with the changes at the moment, then you would just need to sign those documents, or you can do it digitally same as last time.","start":1381.87,"end":1391.17,"sentiment":"neutral","sentiment_score":0.1381507479856091},{"text":"Once you have signed it, it will then come back to me, and I can let the team know that we'll go ahead and make these investment changes for you.","start":1391.985,"end":1400.965,"sentiment":"positive","sentiment_score":0.34831609775622685},{"text":"And every under review as well, we can do a bit of an update a bit more in-depth for you as well.","start":1401.185,"end":1406.44,"sentiment":"neutral","sentiment_score":0.21041696315461939},{"text":"So not just, hey.","start":1406.44,"end":1407.48,"sentiment":"neutral","sentiment_score":0.06871194578707218}],"sentiment":"neutral","sentiment_score":0.21163067534565927,"num_words":100,"start":1378.27,"end":1407.48},{"sentences":[{"text":"How are you going?","start":1407.48,"end":1408.2,"sentiment":"neutral","sentiment_score":0.08860180154442787},{"text":"Where are things at?","start":1408.2,"end":1409.16,"sentiment":"neutral","sentiment_score":-0.004760803887620568},{"text":"We can do kind of updated projections and kind of talk you through where things are going to give you a little bit more of that reassurance as well.","start":1409.16,"end":1417.08,"sentiment":"neutral","sentiment_score":0.25691540950331193},{"text":"We can definitely do that.","start":1417.08,"end":1418.595,"sentiment":"positive","sentiment_score":0.6154374122619629},{"text":"Yep.","start":1420.835,"end":1421.335,"sentiment":"positive","sentiment_score":0.33366844058036804}],"sentiment":"neutral","sentiment_score":0.2603899155375223,"num_words":43,"start":1407.48,"end":1421.335},{"sentences":[{"text":"Yeah.","start":1422.995,"end":1423.495,"sentiment":"neutral","sentiment_score":0.109732024371624},{"text":"Beautiful.","start":1426.115,"end":1426.615,"sentiment":"positive","sentiment_score":0.7915174961090088},{"text":"Thank you so much for your time today, Jamie.","start":1426.6749,"end":1428.595,"sentiment":"positive","sentiment_score":0.8573233683904012},{"text":"And like I said, any other questions or anything else that you do need, don't hesitate to give me a call.","start":1428.595,"end":1433.553,"sentiment":"positive","sentiment_score":0.455536676304681},{"text":"No problem.","start":1435.793,"end":1436.353,"sentiment":"positive","sentiment_score":0.40101979672908783}],"sentiment":"positive","sentiment_score":0.5583961656426683,"num_words":34,"start":1422.995,"end":1436.353},{"sentences":[{"text":"You too.","start":1436.353,"end":1436.7529,"sentiment":"positive","sentiment_score":0.3694908916950226},{"text":"We'll speak soon.","start":1436.7529,"end":1437.733,"sentiment":"neutral","sentiment_score":0.3045042057832082},{"text":"Bye.","start":1439.153,"end":1439.653,"sentiment":"neutral","sentiment_score":-0.1203547939658165}],"sentiment":"neutral","sentiment_score":0.25535660112897557,"num_words":6,"start":1436.353,"end":1439.653}]}}]},{"alternatives":[{"transcript":"I hang up. Yes. Speaking. Good. Thanks. How are you? Yes. Hey. I'm striving to work, so I'll be in the car for the next forty five minutes. That's fun. Yep. Jamie Kelly. Checking of the 877 And 77 Clowall Avenue, Roushill, New South Wales. Yeah. That's fine. Yep. Okay. Okay. Yes. I checked. Okay. Okay. Yep. Yep. Yep. Okay. Yeah. I wish I went to three years ago then. Yep. Okay. Well, yes. Yep. Definitely. Okay. Okay. Okay. Okay. Yep. Yep. Yep. Yep. Loading. Yes. Okay. Yep. Okay. Yep. Perfectly. Yep. Okay. I've got a quick question. So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67 in my latest interview I had from with you guys. And I was just wondering what my projected if just say it stays on course, what it's been performing at an average or what it's projected to be the total amount from when I retire at 67. Yep. Yep. Okay. Continue. Okay. Okay. So it's roughly 200,000 in there now. So if I didn't make the change and I'm roughly putting 20 odd thousand in a year, so the projected amount I would have is just how much I've been super over that ten years anyway. There's no been no real grossing at all. Yeah. But I get that. So yeah. It's like, it always really worth me being in such a fund that takes so much fees and investment. Like, so I could easy to put somewhere that charges you next to nothing, and I'd still be making the same amount of returns regardless. That's like yeah. Yep. Yep. Thank you. Yep. Yeah. Yeah. That makes sense then. Because remember when they first got me to come across over four years ago, they said, oh, you can retire at 16. You'll have $7,800,000. That was, like, four years ago when I come across. Now four years later, if I stayed where I am, it's, like, 450,000, you're saying, if you make those changes. So it's like yeah. If if say to us that that was the original ones they put on before. So it's, like, in that four years, besides my contributions and then minus fees and everything else, it's not really performing that well at all, like, compared to yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Okay. Now, well, I'm yeah. What I'll do is I'll leave it for another year or two and see how the next twelve months, twenty four months perform. But, yeah, if it's like it's like how the last four have, then I'm probably more inclined to change things up. But good. Yep. Yep. Yep. Yep. After four weeks. Yep. Yep. Okay. Got it? That's all my yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yep. Yes. Good question. Yep. Yep. Okay. Great. Well, yeah, I'll get to work in about five minutes, and I'll have a read through. And I'll yeah. I'll go through it from there. Thank you. Have a good day. 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hang up. Yes. Speaking. Good. Thanks.\n\nHow are you? Yes. Hey. I'm striving to work, so I'll be in the car for the next forty five minutes. That's fun.\n\nYep. Jamie Kelly. Checking of the 877 And 77 Clowall Avenue, Roushill, New South Wales. Yeah. That's fine.\n\nYep. Okay. Okay. Yes. I checked.\n\nOkay. Okay. Yep. Yep. Yep.\n\nOkay. Yeah. I wish I went to three years ago then. Yep. Okay.\n\nWell, yes. Yep. Definitely. Okay. Okay.\n\nOkay. Okay. Yep. Yep. Yep.\n\nYep. Loading. Yes. Okay. Yep.\n\nOkay. Yep. Perfectly. Yep. Okay.\n\nI've got a quick question. So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67 in my latest interview I had from with you guys. And I was just wondering what my projected if just say it stays on course, what it's been performing at an average or what it's projected to be the total amount from when I retire at 67. Yep. Yep.\n\nOkay. Continue. Okay. Okay. So it's roughly 200,000 in there now.\n\nSo if I didn't make the change and I'm roughly putting 20 odd thousand in a year, so the projected amount I would have is just how much I've been super over that ten years anyway. There's no been no real grossing at all. Yeah. But I get that. So yeah.\n\nIt's like, it always really worth me being in such a fund that takes so much fees and investment. Like, so I could easy to put somewhere that charges you next to nothing, and I'd still be making the same amount of returns regardless. That's like yeah. Yep. Yep.\n\nThank you. Yep. Yeah. Yeah. That makes sense then.\n\nBecause remember when they first got me to come across over four years ago, they said, oh, you can retire at 16. You'll have $7,800,000. That was, like, four years ago when I come across. Now four years later, if I stayed where I am, it's, like, 450,000, you're saying, if you make those changes. So it's like yeah.\n\nIf if say to us that that was the original ones they put on before. So it's, like, in that four years, besides my contributions and then minus fees and everything else, it's not really performing that well at all, like, compared to yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Okay. Now, well, I'm yeah. What I'll do is I'll leave it for another year or two and see how the next twelve months, twenty four months perform. But, yeah, if it's like it's like how the last four have, then I'm probably more inclined to change things up.\n\nBut good. Yep. Yep. Yep. Yep.\n\nAfter four weeks. Yep. Yep. Okay. Got it?\n\nThat's all my yeah. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yep. Yes. Good question. Yep.\n\nYep. Okay. Great. Well, yeah, I'll get to work in about five minutes, and I'll have a read through. And I'll yeah.\n\nI'll go through it from there. Thank you. Have a good day. Bye.","paragraphs":[{"sentences":[{"text":"I hang up.","start":1.28,"end":2.26,"sentiment":"neutral","sentiment_score":-0.017565499991178513},{"text":"Yes.","start":5.04,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.10766743123531342},{"text":"Speaking.","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.07861350476741791},{"text":"Good.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.4395132660865784},{"text":"Thanks.","start":9.76,"end":10.0,"sentiment":"positive","sentiment_score":0.521620512008667}],"sentiment":"neutral","sentiment_score":0.1563883163034916,"num_words":7,"start":1.28,"end":10.0},{"sentences":[{"text":"How are you?","start":10.0,"end":10.74,"sentiment":"neutral","sentiment_score":0.2816478411356608},{"text":"Yes.","start":20.665,"end":21.165,"sentiment":"neutral","sentiment_score":0.18098783493041992},{"text":"Hey.","start":22.744999,"end":22.904999,"sentiment":"neutral","sentiment_score":0.1318052113056183},{"text":"I'm striving to work, so I'll be in the car for the next forty five minutes.","start":22.904999,"end":25.885,"sentiment":"neutral","sentiment_score":0.12939577409997582},{"text":"That's fun.","start":37.4,"end":38.14,"sentiment":"positive","sentiment_score":0.5667482316493988}],"sentiment":"neutral","sentiment_score":0.18963327906701877,"num_words":23,"start":10.0,"end":38.14},{"sentences":[{"text":"Yep.","start":47.845,"end":48.085,"sentiment":"neutral","sentiment_score":0.01976896822452545},{"text":"Jamie Kelly.","start":48.085,"end":49.065002,"sentiment":"neutral","sentiment_score":0.012170585803687572},{"text":"Checking of the 877 And 77 Clowall Avenue, Roushill, New South 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got a quick question.","start":790.26996,"end":791.31,"sentiment":"neutral","sentiment_score":0.06234450936317444},{"text":"So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67 in my latest interview I had from with you guys.","start":791.31,"end":804.02496,"sentiment":"neutral","sentiment_score":0.042885912469390663},{"text":"And I was just wondering what my projected if just say it stays on course, what it's been performing at an average or what it's projected to be the total amount from when I retire at 67.","start":804.085,"end":813.705,"sentiment":"neutral","sentiment_score":0.008199220070162334},{"text":"Yep.","start":825.92,"end":826.42,"sentiment":"neutral","sentiment_score":0.09746785461902618},{"text":"Yep.","start":839.415,"end":839.915,"sentiment":"neutral","sentiment_score":0.11131642758846284}],"sentiment":"neutral","sentiment_score":0.029079390689730644,"num_words":77,"start":790.26996,"end":839.915},{"sentences":[{"text":"Okay.","start":850.84,"end":851.34,"sentiment":"neutral","sentiment_score":0.037763550877571106},{"text":"Continue.","start":852.44,"end":852.94,"sentiment":"neutral","sentiment_score":0.0329873263835907},{"text":"Okay.","start":853.16003,"end":853.66003,"sentiment":"neutral","sentiment_score":0.038855984807014465},{"text":"Okay.","start":873.66,"end":874.16,"sentiment":"neutral","sentiment_score":0.08249963819980621},{"text":"So it's roughly 200,000 in there now.","start":874.38,"end":877.04,"sentiment":"neutral","sentiment_score":0.0764385275542736}],"sentiment":"neutral","sentiment_score":0.06610692664980888,"num_words":11,"start":850.84,"end":877.04},{"sentences":[{"text":"So if I didn't make the change and I'm roughly putting 20 odd thousand in a year, so the projected amount I would have is just how much I've been super over that ten years anyway.","start":877.1,"end":887.035,"sentiment":"neutral","sentiment_score":0.08305279506991307},{"text":"There's no been no real grossing at all.","start":887.495,"end":889.675,"sentiment":"neutral","sentiment_score":-0.11041574832051992},{"text":"Yeah.","start":906.63995,"end":907.13995,"sentiment":"neutral","sentiment_score":0.04593708366155624},{"text":"But I get that.","start":908.95996,"end":909.75995,"sentiment":"neutral","sentiment_score":0.03408243786543608},{"text":"So 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yeah.","start":1028.195,"end":1030.515,"sentiment":"neutral","sentiment_score":-0.0049022794701159}],"sentiment":"neutral","sentiment_score":-0.001110804030450724,"num_words":59,"start":1012.22,"end":1030.515},{"sentences":[{"text":"If if say to us that that was the original ones they put on before.","start":1030.515,"end":1034.275,"sentiment":"neutral","sentiment_score":-0.07568585053086281},{"text":"So it's, like, in that four years, besides my contributions and then minus fees and everything else, it's not really performing that well at all, like, compared to 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well, I'm yeah.","start":1226.695,"end":1227.8151,"sentiment":"neutral","sentiment_score":0.16253017261624336},{"text":"What I'll do is I'll leave it for another year or two and see how the next twelve months, twenty four months perform.","start":1227.8151,"end":1232.475,"sentiment":"neutral","sentiment_score":0.0817862638960714},{"text":"But, yeah, if it's like it's like how the last four have, then I'm probably more inclined to change things up.","start":1232.695,"end":1238.1499,"sentiment":"neutral","sentiment_score":-0.01332311536229792}],"sentiment":"neutral","sentiment_score":0.05673109535127878,"num_words":50,"start":1220.5399,"end":1238.1499},{"sentences":[{"text":"But good.","start":1238.21,"end":1241.2699,"sentiment":"positive","sentiment_score":0.40821149945259094},{"text":"Yep.","start":1243.01,"end":1243.51,"sentiment":"neutral","sentiment_score":0.30660030245780945},{"text":"Yep.","start":1247.765,"end":1248.265,"sentiment":"neutral","sentiment_score":0.09676997363567352},{"text":"Yep.","start":1281.415,"end":1281.915,"sentiment":"neutral","sentiment_score":0.110015869140625},{"text":"Yep.","start":1287.98,"end":1288.38,"sentiment":"neutral","sentiment_score":0.137953519821167}],"sentiment":"neutral","sentiment_score":0.24462711066007614,"num_words":6,"start":1238.21,"end":1288.38},{"sentences":[{"text":"After four weeks.","start":1288.38,"end":1289.6799,"sentiment":"neutral","sentiment_score":0.13749944667021433},{"text":"Yep.","start":1308.415,"end":1308.915,"sentiment":"neutral","sentiment_score":0.10772228240966795},{"text":"Yep.","start":1331.495,"end":1331.995,"sentiment":"neutral","sentiment_score":0.2613165080547333},{"text":"Okay.","start":1344.91,"end":1345.41,"sentiment":"neutral","sentiment_score":0.09145666658878326},{"text":"Got it?","start":1346.83,"end":1347.23,"sentiment":"neutral","sentiment_score":0.051053158938884735}],"sentiment":"neutral","sentiment_score":0.12188751436769962,"num_words":8,"start":1288.38,"end":1347.23},{"sentences":[{"text":"That's all my yeah.","start":1347.23,"end":1348.99,"sentiment":"neutral","sentiment_score":0.02905471157282591},{"text":"Yeah.","start":1348.99,"end":1349.19,"sentiment":"neutral","sentiment_score":0.04884854331612587},{"text":"Yeah.","start":1349.19,"end":1349.39,"sentiment":"neutral","sentiment_score":0.05458373576402664},{"text":"Yeah.","start":1349.39,"end":1349.89,"sentiment":"neutral","sentiment_score":0.07176873832941055},{"text":"Yeah.","start":1350.03,"end":1350.11,"sentiment":"neutral","sentiment_score":0.0813036561012268}],"sentiment":"neutral","sentiment_score":0.04659043997526169,"num_words":8,"start":1347.23,"end":1350.11},{"sentences":[{"text":"Yes.","start":1350.11,"end":1350.35,"sentiment":"neutral","sentiment_score":0.1069735586643219},{"text":"Yep.","start":1350.35,"end":1350.85,"sentiment":"neutral","sentiment_score":0.108923077583313},{"text":"Yes.","start":1351.46,"end":1351.71,"sentiment":"neutral","sentiment_score":0.15450404584407806},{"text":"Good 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yeah.","start":1423.705,"end":1424.505,"sentiment":"neutral","sentiment_score":0.22371753056844076}],"sentiment":"neutral","sentiment_score":0.27435489947145636,"num_words":22,"start":1415.41,"end":1424.505},{"sentences":[{"text":"I'll go through it from there.","start":1424.505,"end":1425.645,"sentiment":"positive","sentiment_score":0.39993416766325635},{"text":"Thank you.","start":1434.0,"end":1434.7201,"sentiment":"positive","sentiment_score":0.7291274964809418},{"text":"Have a good day.","start":1434.7201,"end":1435.7001,"sentiment":"positive","sentiment_score":0.6808918565511703},{"text":"Bye.","start":1438.24,"end":1438.74,"sentiment":"neutral","sentiment_score":0.2022068351507187}],"sentiment":"positive","sentiment_score":0.5218180200228324,"num_words":13,"start":1424.505,"end":1438.74}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I hang up.\n\nChannel 0: Good afternoon. This is Jamie.\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for a pretty quick catch up today, really, just to kind of go through the research I did on your super investments. Is\n\nChannel 1: Yes.\n\nChannel 0: now still a good time for you?\n\nChannel 1: Hey. I'm striving to work, so I'll be in the car for the next forty five minutes.\n\nChannel 0: That's perfect. Now, Jamie, before I do go any further, I do need to let you know that our calls calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: That's fun.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Jamie Kelly. Checking of the 877 And 77 Clowall Avenue, Roushill, New South Wales.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now I know you said you are driving, which is okay, but what I have done is I have sent you an email with the document. Now it is pretty straightforward.\n\nSo if you're happy for me to do so, I'll just kind of run through an overview of the changes. And then when you have a bit more time later on, you can have a read through it. And if you then have any questions, you can give me a call. Is that okay?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: Okay. Perfect. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in a statement of advice for you just so that you are fully aware of everything and understand that a lot of it is just for compliance purposes as\n\nChannel 1: Yep.\n\nChannel 0: well, but it is to make sure that you fully understand everything. Today, it's pretty straightforward, though. Not massive changes. But\n\nChannel 1: Okay.\n\nChannel 0: like I said, if you do have any questions, just let me know. Yep. Now on the cover page, when you do have a look at it, you will see my details list today. You will also see my authorized representative number, and I am licensed under Oakview Financial.\n\nChannel 1: Okay.\n\nChannel 0: Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. Now like I said, today is pretty straightforward. It is just reviewing your superannuation. We're not making any changes to insurances or anything else, literally just your superannuation.\n\nNow\n\nChannel 1: I checked.\n\nChannel 0: as you have a have a read through the document, you'll also see a couple of pages with just some personal information about you. Just have a bit of a read over it, and let me know if there's anything that's not up to date. Otherwise, where it will outline what the actual changes are will be outlined on page let me have a look here. Page 18 is where it kind of summarizes the recommendation in one of those tables that you would have seen before. It's just a bit of an updated projection table for you to show you the impact of the the recommendation.\n\nChannel 1: Okay.\n\nChannel 0: Now I did do a lot of research on your hub twenty four account as well just to make sure it's still the best option for you because there's always new products and features that comes out. So it is important for us to do some research every now and then on the product just to make sure it's still the best one for you. And at the moment, I have recommended that you stay in Hub twenty four. It's still really competitive when it comes to other options out there in terms of, you know, fees, flexibility, and investment choices. And I do use Hub twenty four for my personal super as well.\n\nSo, yeah, definitely haven't recommended to make any changes to Hub twenty four, literally just swapping some of your investments around.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now when it comes to the actual investment changes, how that changes the position for you is that it actually reduces the investment fees, which is great. So you will save about $615 a year just from investment fees alone, which is pretty good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now when it comes to the return as well, change. So we're not making any changes to your risk profile. We are staying the same at growth. So not making any changes in there, literally just swapping some that was underperforming through some to put you in a better position moving forward. And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis.\n\nChannel 1: Yep.\n\nChannel 0: And the new recommended has performed at 13.85%. So it is about\n\nChannel 1: Okay.\n\nChannel 0: 6¢ better, which is pretty good.\n\nChannel 1: Yeah. I wish I went to three years ago then.\n\nChannel 0: But the thing as well is that things are always changing in the market. So back then, it's obviously hard to know what's going to change and happen in the future. No one could predict, obviously, COVID or the war or what Trump's gonna do. So there is obviously\n\nChannel 1: Yep.\n\nChannel 0: a lot, but that's why this annual reviews are so important because it does give us a bit of a check-in to see, like, okay. Well, what's happened? How things change? And what do we wanna do moving forward to making sure that we have you in the best position? And that is going to change with time as, obviously, things things change for you, but then also, obviously, the market and the world itself.\n\nAnd the really good thing with hub twenty four is there's hundreds and hundreds of different options for us to choose from that we can very quickly make a couple of changes for you.\n\nChannel 1: Okay.\n\nChannel 0: So, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic. Now the one thing I do want to mention is that every time we do make investment changes, if we are selling an investment that has gone up, there will be capital gains tax. Now that does change a little bit on a daily when we're calculating it, and I've tried to minimize that as much as possible for you considering when I have made the changes in the investment. So by doing the changes, it will be roughly a $196, which which is really good. So if we were to do a full sell down, so I completely switch everything, it would be about 3,066.\n\nChannel 1: Well,\n\nChannel 0: Yeah. So if you do see about a 196, that's the tax that come out. So try to minimize that as much as possible. So we're very happy with that. We're still obviously trying to make sure we we swap out the ones that we do want to.\n\nDoes that all make sense, Jamie, so far?\n\nChannel 1: yes. Yep. Definitely.\n\nChannel 0: Yeah. Great. Perfect. Now, basically, everything I have touched on as well, it is outlined in words as well in the statement of advice so that you can have a read over it. And it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option.\n\nChannel 1: Okay.\n\nChannel 0: But also alternatives. So like I said, I considered other options for you. One of the ones I were considering was my North. But, again, the capital gains tax would be over 3,000 to do it, and it just wasn't worth making the change when I could do exactly the same in Hub 24 for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now when it comes to the actual investment changes, that is outlined on page 15 when you do have a moment to have a look at it. Excuse me. Now it is outlined in a table. It can look a little bit messy, but, basically, if you look at it, you will see investment name.\n\nIt lists all your current investments along with the new ones I have recommended. It shows\n\nChannel 1: Okay.\n\nChannel 0: you as well a buy and sell table. Now everything in red is what we are selling. Everything in black is what we are either retaining or purchasing. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now it probably makes more sense when you're actually looking at the document.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, the the philosophy around how we construct the portfolio, nothing is changing in regards to that. We are still very much following that core and satellite approach to investment, which is that we do invest majority of the funds in the core, which kind of represents the backbone of your portfolio. So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it. So, for example, one of them is your iShares S and P five hundred. You already have that in your portfolio.\n\nIt was doing really well. And just for your reference, just with that one single investment, it does invest in the 500 largest companies listed in The US. So, obviously, very diversified for you.\n\nChannel 1: Yep.\n\nChannel 0: But what we have then swapped is your Bennelong one. That was the one that were was kind of underperforming a little bit. But we wanna also make sure that we do have some exposure to the Australian market. So I have swapped that one out for another one, which is called the BetaShares Australia two hundred. Now this one is a little bit cheaper than your Benelon, which is how we've managed to reduce those fees a little bit, but also has improved a performed a little bit better.\n\nBut it is investing in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, making sure we do do give you a very well diversified exposure. All make sense so far?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Loading.\n\nChannel 0: Perfect. But then we obviously wanna make sure as well and, obviously, aside from your defensive so gold, for example, we are keeping that exposure for you. We are increasing it slightly from at the moment, you have about 7.7%, increasing that to about 10. It's been doing really good, and it's very good kind of stabilizer when we do seeing a bit of fluctuations in the market. We very much wanna keep the gold in the portfolio, but also wanna keep fixed interest from making sure we drew limit fluctuations a little bit, I'm only at about 14%.\n\nSo, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well.\n\nChannel 1: Yes. Okay.\n\nChannel 0: And when it comes to kind of the satellite investments, and these are the ones that's, you know, a little bit more specialized to tryna maximize that growth for you, but they can be a little bit more volatile, and that's why they only represent a smaller portion of your portfolio. So we don't wanna put too much in there, just a little bit to tryna take advantage of that. And part of that is we have about 5% invested in Japan, about 8% in Europe. We are keeping 5%, which you already have, in cybersecurity. And then we do have another one, which is 8% in one that's called Vanguard All World.\n\nYou may have heard of Vanguard before. They are quite big.\n\nChannel 1: Yep.\n\nChannel 0: But this investment here, it excludes The US. So it invests all around the globe, but excluding The US because you already have exposure to The US in that iShares s and p 500, and we don't want you to have overexposure in one area either. So we wanna make\n\nChannel 1: Okay.\n\nChannel 0: sure we diversify things for you. Does that make sense?\n\nChannel 1: Yep. Perfectly.\n\nChannel 0: Yep. Yep. Perfect. That's great. And that is essentially the changes.\n\nSo it's not drastic changes. It is literally swapping out some that, you know, we foresee maybe moving forward isn't going to put you in a good of a position. If we can change it based on all the market trends and everything that's going to happen that we foresee, then that's also part of our job. And that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: I've got a quick question. So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67\n\nChannel 0: Yep.\n\nChannel 1: in my latest interview I had from with you guys. And I was just wondering what my projected if just say it stays on course, what it's been performing at an average or what it's projected to be the\n\nChannel 0: Yeah.\n\nChannel 1: total amount from when I retire at 67.\n\nChannel 0: Yeah. So I have done now I typically only do about five and ten years projections, and that is just because there's so much that can change over a longer period of time as well.\n\nChannel 1: Yep.\n\nChannel 0: But if we do use a ten year time frame so that you can see that, on a ten year, with your current structure, like, if you decide, no. I don't wanna make any changes whatsoever, but, obviously,\n\nChannel 1: Yep.\n\nChannel 0: income and everything stays the same, you are projected to then be on track to have about four hundred and forty nine thousand five hundred and twelve in ten years.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Continue.\n\nChannel 0: by make\n\nChannel 1: Okay.\n\nChannel 0: yeah. By making the change, you are then projected to have 738,509. So it is about 288,997 difference in ten years, which is pretty crazy.\n\nChannel 1: Okay. So it's roughly 200,000 in there now. So if I didn't make the change and I'm roughly putting 20 odd thousand in a year, so the projected amount I would have is just how much I've been super over that ten years anyway. There's no been no real grossing\n\nChannel 0: So\n\nChannel 1: at all.\n\nChannel 0: you still have fees and stuff coming out. So the return on the investment is about 7.78, but then bear in mind that you do have platform fees. You have insurances, advice fees. You have everything coming out of the account as well. So this factors\n\nChannel 1: Yeah.\n\nChannel 0: in all of it.\n\nChannel 1: But I get that. So yeah. It's like, it always really worth me being in such a fund that takes so much fees and investment. Like, so I could easy to put somewhere that charges you next to nothing, and I'd still be making the same amount of returns regardless. That's like\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: And that is an that is an excellent question, and that's what we factor in as well when it does come through different options. So part of when I do the research is factoring in that, well, okay. Well, is moving through, let's say, not hub twenty four moving to, like, a standard industry fund where you don't have adviser fees and just like your Australian Super or QSuper or Australian Retirement Trust or anything like that. And, also,\n\nChannel 1: Yep.\n\nChannel 0: what we see is, yes, sometimes the fees are cheaper, not always. The platform\n\nChannel 1: Yep.\n\nChannel 0: fees now, obviously, you don't typically have a device for fees, so that makes a difference. So fee wise can be a bit cheaper, but we usually cannot risk like, we cannot achieve the same return. So, yes, fees are a little bit cheaper, but with the limited investment choices, we don't have the same flexibility of what we can actually choose for you to be invested in, which limits what we can do.\n\nChannel 1: Thank\n\nChannel 0: So\n\nChannel 1: you.\n\nChannel 0: when we do the research, we we have found I haven't found another option for you. When I did the research, that would produce as good of an outcome when it comes to return. So part of\n\nChannel 1: Yep.\n\nChannel 0: the best interest is making sure, well, if you are paying for more in fees, you obviously need to make sure that you have other areas that then would negate it. So net of everything, you are in a better position.\n\nChannel 1: Yeah. Yeah. That makes sense then. Because remember when they first got me to come\n\nChannel 0: Exactly.\n\nChannel 1: across over four years ago, they said, oh, you can retire at 16. You'll have $7,800,000. That was, like, four years ago when I come across. Now four years later, if I stayed where I am, it's, like, 450,000, you're saying, if you make those changes. So it's like\n\nChannel 0: If we yeah.\n\nChannel 1: yeah. If if say to us that that was the original ones they put on before. So it's, like, in that four years, besides my contributions and then minus fees and everything else, it's not really performing that well at all,\n\nChannel 0: Yeah. And\n\nChannel 1: like, compared\n\nChannel 0: and it\n\nChannel 1: to\n\nChannel 0: is yeah. And, obviously,\n\nChannel 1: yeah.\n\nChannel 0: as well, because every time you do when you do compare returns as well, it's using historical historical performance. And, obviously,\n\nChannel 1: Yep.\n\nChannel 0: like, you know, four, five years ago, things were looking a bit different, and that is why it is good to redo this all the time. And that's usually why I do like to do about five and ten years because so much are changing all the time, and I would\n\nChannel 1: Yep.\n\nChannel 0: rather have a more more realistic outcome. Now, again, you can't guarantee. We can't guarantee what's going to happen. Who knows what's going to happen in the world? But that is also\n\nChannel 1: Yep.\n\nChannel 0: why we try to diversify the portfolio as much as possible so that if something happens to one area, not everything's affected. Now sometimes what happens\n\nChannel 1: Yep.\n\nChannel 0: in your standard industry funds is that you still sometimes have different options, but it's very limited. So instead of having hundreds of different choices, it's usually, like, 10 to maybe 20 choices. And how\n\nChannel 1: Yep.\n\nChannel 0: it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding\n\nChannel 1: Yep.\n\nChannel 0: what goes in and out of the portfolio. Now you don't actually have oversight of what you are invested in aside from the name. They just decide what goes in and out, and you don't know. So it's also\n\nChannel 1: Yeah.\n\nChannel 0: when it comes to that, it it's harder to get an understanding because there could be investments you don't agree with. There could be, you know, other things as well. But, again, also part of what we do is we also with your changes, and the closer you get to retirement is, well, we want to potentially make changes. So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement. Because if it did happen in the market then, you don't potentially have the time to recoup everything.\n\nSo we do\n\nChannel 1: Yep.\n\nChannel 0: work with you in slightly reducing the risk the older you get and closer to retirement. Whereas other industry funds, they would just leave you be, and you just say that you just have to change anything if you do want it.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it does work different, but I do understand what you mean that you have to obviously make sure that the fees outweighs the performance that you are getting. Because otherwise, yeah, what's the point? And that is what we have to follow all the time when it comes to that best interest you do, which is if I did\n\nChannel 1: Yeah.\n\nChannel 0: research and I found,\n\nChannel 1: Yep.\n\nChannel 0: well, you're moving through or through, but let's say, it was going to put you in a better position and not have advice for you, then I would recommend that. Like, I just get a salary from Oakview. So, like, there's nothing. I just do whatever is best for you at the end of the day, and I wanna make sure I can work with you to achieve your goals. But if you are not happy and you want to, you know, go elsewhere, at the end of the day, that that that is completely up to you.\n\nMy job is to work with you\n\nChannel 1: Yep.\n\nChannel 0: to make sure I can put you in the best position, also have help\n\nChannel 1: Yep.\n\nChannel 0: obviously educate you and everything like that, and working alongside you.\n\nChannel 1: Okay. Now, well, I'm yeah. What I'll do is I'll leave it for another year or two and see how the next twelve months, twenty four months perform. But,\n\nChannel 0: Yes.\n\nChannel 1: yeah, if it's like it's like how the last four have, then I'm probably more inclined to change things up. But\n\nChannel 0: And that is totally fair, and that is completely\n\nChannel 1: good.\n\nChannel 0: up to you at the end of the day as well\n\nChannel 1: Yep.\n\nChannel 0: because it's it's not a locking contract in any way.\n\nChannel 1: Yep.\n\nChannel 0: Now just for your reference, let me see here. I just had a quick look at your SOA, the original one when you came on board. And at that time, the five year projection was showing a 190,440. That was five years projected from 2022. That was in April 2022.\n\nChannel 1: Yep.\n\nChannel 0: And at the moment, you have a hundred and eighty eight thousand seven hundred and fifteen.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: After\n\nChannel 0: you're\n\nChannel 1: four\n\nChannel 0: act\n\nChannel 1: weeks.\n\nChannel 0: exactly. So you're actually doing pretty much what we anticipated then. Now, obviously, a things do change. So, obviously, contributions, your income would have gone up, insurance premiums become more expensive, and stuff like that. But it's you\n\nChannel 1: Yep.\n\nChannel 0: are kind of at least on track for how things were going. But, again, everything does change, which is why this is so important. And, again, at the end of the day, it is completely up to you. By doing the changes, I do believe it's very much going to put you in the best position. But if you said in in a year's time or two years' time, you haven't really seen the outcome, then at the end\n\nChannel 1: Yep.\n\nChannel 0: of the day, it's completely up to you. There is no lock in contract. There's no excess fees or anything like that. So it is completely up to you. But, obviously, yeah, our job is just to make sure we put you in the best position and wanna make sure you are happy.\n\nChannel 1: Okay.\n\nChannel 0: Does\n\nChannel 1: Got\n\nChannel 0: that\n\nChannel 1: it?\n\nChannel 0: answer\n\nChannel 1: That's all\n\nChannel 0: that\n\nChannel 1: my\n\nChannel 0: question?\n\nChannel 1: yeah. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yep.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Good question.\n\nChannel 0: Now the last thing I do wanna mention is, obviously, with the fee structure, no changes whatsoever. This is all part of the ongoing advice fee. So if you do, you know, are happy to go ahead with the change in those investments. From here, like I said, no changes in the fee structure. All part of the advice fee.\n\nHow to kind of move forward is when you do have a moment, have a read through the email. If you have any questions, let me know or give me a call. If not, if you are happy with the changes at the moment, then you would just need to sign those documents, or you can do it digitally same as last time. Once you have signed it, it will then come back to me, and I can let the team know that we'll go ahead and make these investment changes for you. And every under\n\nChannel 1: Yep.\n\nChannel 0: review as well, we can do a bit of an update a bit more in-depth for you as well. So not just, hey. How are you going? Where are things at? We can do kind of updated projections and kind of talk you through where things are going to give you a little bit\n\nChannel 1: Yep.\n\nChannel 0: more of that reassurance as well. We can definitely do that.\n\nChannel 1: Okay. Great. Well, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I'll get to work in about five minutes, and I'll have\n\nChannel 0: Yeah.\n\nChannel 1: a read through. And I'll yeah. I'll go through it from there.\n\nChannel 0: Beautiful. Thank you so much for your time today, Jamie. And like I said, any other questions or anything else that you do need, don't hesitate to give me a call.\n\nChannel 1: Thank you. Have a good day.\n\nChannel 0: No problem. You too. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"I hang up.","start":1.28,"end":2.26,"sentiment":"neutral","sentiment_score":-0.017565499991178513}],"sentiment":"neutral","sentiment_score":-0.017565499991178513,"channel":1,"num_words":3,"start":1.28,"end":2.26},{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.36,"sentiment":"neutral","sentiment_score":0.191005676984787},{"text":"This is Jamie.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.14502165218194327}],"sentiment":"neutral","sentiment_score":0.16341526210308074,"channel":0,"num_words":5,"start":2.8,"end":4.26},{"sentences":[{"text":"Yes.","start":5.04,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.10766743123531342},{"text":"Speaking.","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.07861350476741791}],"sentiment":"neutral","sentiment_score":0.09314046800136566,"channel":1,"num_words":2,"start":5.04,"end":5.7799997},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":6.16,"end":8.18,"sentiment":"neutral","sentiment_score":0.12800416722893715},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.14296592275301614}],"sentiment":"neutral","sentiment_score":0.13299141907029682,"channel":0,"num_words":9,"start":6.16,"end":9.139999},{"sentences":[{"text":"Good.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.4395132660865784},{"text":"Thanks.","start":9.76,"end":10.0,"sentiment":"positive","sentiment_score":0.521620512008667},{"text":"How are you?","start":10.0,"end":10.74,"sentiment":"neutral","sentiment_score":0.2816478411356608}],"sentiment":"positive","sentiment_score":0.36121546030044555,"channel":1,"num_words":5,"start":9.5199995,"end":10.74},{"sentences":[{"text":"I'm good.","start":10.88,"end":11.599999,"sentiment":"positive","sentiment_score":0.5446719825267792},{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.6219459772109985},{"text":"I had you booked in for a pretty quick catch up today, really, just to kind of go through the research I did on your super investments.","start":12.825,"end":19.725,"sentiment":"neutral","sentiment_score":0.24361578789022234},{"text":"Is","start":20.585,"end":20.744999,"sentiment":"neutral","sentiment_score":0.09170219302177428}],"sentiment":"neutral","sentiment_score":0.27034252930072045,"channel":0,"num_words":31,"start":10.88,"end":20.744999},{"sentences":[{"text":"Yes.","start":20.665,"end":21.165,"sentiment":"neutral","sentiment_score":0.18098783493041992}],"sentiment":"neutral","sentiment_score":0.18098783493041992,"channel":1,"num_words":1,"start":20.665,"end":21.165},{"sentences":[{"text":"now still a good time for you?","start":20.744999,"end":22.365,"sentiment":"neutral","sentiment_score":0.3020235598087311}],"sentiment":"neutral","sentiment_score":0.3020235598087311,"channel":0,"num_words":7,"start":20.744999,"end":22.365},{"sentences":[{"text":"Hey.","start":22.744999,"end":22.904999,"sentiment":"neutral","sentiment_score":0.1318052113056183},{"text":"I'm striving to work, so I'll be in the car for the next forty five minutes.","start":22.904999,"end":25.885,"sentiment":"neutral","sentiment_score":0.12939577409997582}],"sentiment":"neutral","sentiment_score":0.12953750570030773,"channel":1,"num_words":17,"start":22.744999,"end":25.885},{"sentences":[{"text":"That's perfect.","start":26.2,"end":27.02,"sentiment":"positive","sentiment_score":0.6920410096645355},{"text":"Now, Jamie, before I do go any further, I do need to let you know that our calls calls are being recorded for quality and coaching purposes, if that's okay.","start":28.6,"end":36.78,"sentiment":"neutral","sentiment_score":0.06645666311184566}],"sentiment":"neutral","sentiment_score":0.10555568477138877,"channel":0,"num_words":32,"start":26.2,"end":36.78},{"sentences":[{"text":"That's fun.","start":37.4,"end":38.14,"sentiment":"positive","sentiment_score":0.5667482316493988}],"sentiment":"positive","sentiment_score":0.5667482316493988,"channel":1,"num_words":2,"start":37.4,"end":38.14},{"sentences":[{"text":"Perfect.","start":38.585,"end":39.085,"sentiment":"positive","sentiment_score":0.4027841091156006},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":39.705,"end":47.005,"sentiment":"neutral","sentiment_score":0.08120544834269418}],"sentiment":"neutral","sentiment_score":0.09269040051315512,"channel":0,"num_words":28,"start":38.585,"end":47.005},{"sentences":[{"text":"Yep.","start":47.845,"end":48.085,"sentiment":"neutral","sentiment_score":0.01976896822452545},{"text":"Jamie Kelly.","start":48.085,"end":49.065002,"sentiment":"neutral","sentiment_score":0.012170585803687572},{"text":"Checking of the 877 And 77 Clowall Avenue, Roushill, New South Wales.","start":49.125,"end":54.78,"sentiment":"neutral","sentiment_score":0.024454764323309064}],"sentiment":"neutral","sentiment_score":0.022504487447440623,"channel":1,"num_words":15,"start":47.845,"end":54.78},{"sentences":[{"text":"Yep.","start":55.48,"end":55.96,"sentiment":"neutral","sentiment_score":0.1431037187576294},{"text":"Perfect.","start":55.96,"end":56.46,"sentiment":"positive","sentiment_score":0.4790319204330444},{"text":"That's exactly what I have here.","start":56.52,"end":58.46,"sentiment":"positive","sentiment_score":0.5383627414703369},{"text":"Now I know you said you are driving, which is okay, but what I have done is I have sent you an email with the document.","start":58.92,"end":66.025,"sentiment":"neutral","sentiment_score":0.19591763615608215},{"text":"Now it is pretty straightforward.","start":66.565,"end":68.104996,"sentiment":"positive","sentiment_score":0.42239096760749817}],"sentiment":"neutral","sentiment_score":0.2835416786181621,"channel":0,"num_words":39,"start":55.48,"end":68.104996},{"sentences":[{"text":"So if you're happy for me to do so, I'll just kind of run through an overview of the changes.","start":68.165,"end":73.604996,"sentiment":"positive","sentiment_score":0.34327768459916114},{"text":"And then when you have a bit more time later on, you can have a read through it.","start":73.604996,"end":76.990005,"sentiment":"neutral","sentiment_score":0.20471967260042825},{"text":"And if you then have any questions, you can give me a call.","start":76.990005,"end":79.630005,"sentiment":"neutral","sentiment_score":0.13392872936450517},{"text":"Is that okay?","start":79.630005,"end":80.450005,"sentiment":"neutral","sentiment_score":0.11132130026817322}],"sentiment":"neutral","sentiment_score":0.23380639224692626,"channel":0,"num_words":54,"start":68.165,"end":80.450005},{"sentences":[{"text":"Yeah.","start":80.795,"end":81.035,"sentiment":"neutral","sentiment_score":0.06743539869785309},{"text":"That's","start":81.035,"end":81.355,"sentiment":"neutral","sentiment_score":0.06963403522968292}],"sentiment":"neutral","sentiment_score":0.068534716963768,"channel":1,"num_words":2,"start":80.795,"end":81.355},{"sentences":[{"text":"Yeah.","start":81.11,"end":81.61,"sentiment":"neutral","sentiment_score":0.08921858668327332}],"sentiment":"neutral","sentiment_score":0.08921858668327332,"channel":0,"num_words":1,"start":81.11,"end":81.61},{"sentences":[{"text":"fine.","start":81.355,"end":81.855,"sentiment":"neutral","sentiment_score":0.13929244875907898}],"sentiment":"neutral","sentiment_score":0.13929244875907898,"channel":1,"num_words":1,"start":81.355,"end":81.855},{"sentences":[{"text":"Okay.","start":82.270004,"end":82.75,"sentiment":"neutral","sentiment_score":0.19191958010196689},{"text":"Perfect.","start":82.75,"end":83.25,"sentiment":"neutral","sentiment_score":0.29467087984085083},{"text":"Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in a statement of advice for you just so that you are fully aware of everything and understand that a lot of it is just for compliance purposes as","start":83.71,"end":100.465004,"sentiment":"neutral","sentiment_score":0.13316751524806023}],"sentiment":"neutral","sentiment_score":0.13740319658357364,"channel":0,"num_words":52,"start":82.270004,"end":100.465004},{"sentences":[{"text":"Yep.","start":100.335,"end":100.835,"sentiment":"neutral","sentiment_score":0.07332929968833923}],"sentiment":"neutral","sentiment_score":0.07332929968833923,"channel":1,"num_words":1,"start":100.335,"end":100.835},{"sentences":[{"text":"well, but it is to make sure that you fully understand everything.","start":100.465004,"end":103.685,"sentiment":"neutral","sentiment_score":0.08457658129433791},{"text":"Today, it's pretty straightforward, though.","start":104.350006,"end":106.03,"sentiment":"neutral","sentiment_score":0.20867848694324492},{"text":"Not massive changes.","start":106.03,"end":107.25,"sentiment":"neutral","sentiment_score":0.03607374429702759},{"text":"But","start":107.79,"end":108.03,"sentiment":"neutral","sentiment_score":0.08429159969091415}],"sentiment":"neutral","sentiment_score":0.10718210680144173,"channel":0,"num_words":21,"start":100.465004,"end":108.03},{"sentences":[{"text":"Okay.","start":107.7975,"end":108.2975,"sentiment":"neutral","sentiment_score":0.10260789096355438}],"sentiment":"neutral","sentiment_score":0.10260789096355438,"channel":1,"num_words":1,"start":107.7975,"end":108.2975},{"sentences":[{"text":"like I said, if you do have any questions, just let me know.","start":108.03,"end":110.69,"sentiment":"neutral","sentiment_score":0.11971897975756572},{"text":"Yep.","start":112.270004,"end":112.67,"sentiment":"neutral","sentiment_score":0.09539981186389924},{"text":"Now on the cover page, when you do have a look at it, you will see my details list today.","start":112.67,"end":117.575,"sentiment":"neutral","sentiment_score":0.08790540536865592},{"text":"You will also see my authorized representative number, and I am licensed under Oakview Financial.","start":117.575,"end":123.835,"sentiment":"neutral","sentiment_score":0.06397207950552304}],"sentiment":"neutral","sentiment_score":0.0891721601769024,"channel":0,"num_words":49,"start":108.03,"end":123.835},{"sentences":[{"text":"Okay.","start":125.5,"end":126.0,"sentiment":"neutral","sentiment_score":0.07378879189491272}],"sentiment":"neutral","sentiment_score":0.07378879189491272,"channel":1,"num_words":1,"start":125.5,"end":126.0},{"sentences":[{"text":"Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else.","start":125.735,"end":138.23,"sentiment":"neutral","sentiment_score":0.08813428199466537},{"text":"And the advice itself has to put you in a better position as a result of the advice.","start":138.61,"end":143.99,"sentiment":"neutral","sentiment_score":0.1395028999282254},{"text":"Otherwise, we can't actually make the recommendation.","start":144.05,"end":146.87,"sentiment":"neutral","sentiment_score":-0.1750089888061796},{"text":"Does that make sense?","start":147.17,"end":148.31,"sentiment":"neutral","sentiment_score":0.00989452749490738}],"sentiment":"neutral","sentiment_score":0.06860528531528655,"channel":0,"num_words":63,"start":125.735,"end":148.31},{"sentences":[{"text":"Yes.","start":148.95999,"end":149.45999,"sentiment":"neutral","sentiment_score":0.17615298926830292}],"sentiment":"neutral","sentiment_score":0.17615298926830292,"channel":1,"num_words":1,"start":148.95999,"end":149.45999},{"sentences":[{"text":"Yes.","start":149.845,"end":150.325,"sentiment":"positive","sentiment_score":0.3556922376155853},{"text":"Perfect.","start":150.325,"end":150.825,"sentiment":"positive","sentiment_score":0.6512163281440735},{"text":"Now like I said, today is pretty straightforward.","start":151.125,"end":153.705,"sentiment":"positive","sentiment_score":0.4349132850766182},{"text":"It is just reviewing your superannuation.","start":153.845,"end":156.505,"sentiment":"neutral","sentiment_score":0.3171655088663101},{"text":"We're not making any changes to insurances or anything else, literally just your superannuation.","start":158.085,"end":163.625,"sentiment":"neutral","sentiment_score":-0.010375734684722764}],"sentiment":"neutral","sentiment_score":0.20813158713281155,"channel":0,"num_words":30,"start":149.845,"end":163.625},{"sentences":[{"text":"Now","start":166.06999,"end":166.39,"sentiment":"neutral","sentiment_score":0.053716134279966354}],"sentiment":"neutral","sentiment_score":0.053716134279966354,"channel":0,"num_words":1,"start":166.06999,"end":166.39},{"sentences":[{"text":"I checked.","start":166.075,"end":166.735,"sentiment":"neutral","sentiment_score":0.09617995098233223}],"sentiment":"neutral","sentiment_score":0.09617995098233223,"channel":1,"num_words":2,"start":166.075,"end":166.735},{"sentences":[{"text":"as you have a have a read through the document, you'll also see a couple of pages with just some personal information about you.","start":166.39,"end":172.70999,"sentiment":"neutral","sentiment_score":0.1332420107598106},{"text":"Just have a bit of a read over it, and let me know if there's anything that's not up to date.","start":172.70999,"end":178.25,"sentiment":"neutral","sentiment_score":0.07302254012652806},{"text":"Otherwise, where it will outline what the actual changes are will be outlined on page let me have a look here.","start":179.515,"end":188.335,"sentiment":"neutral","sentiment_score":0.08822008701307434},{"text":"Page 18 is where it kind of summarizes the recommendation in one of those tables that you would have seen before.","start":188.715,"end":196.48999,"sentiment":"neutral","sentiment_score":0.10934335099799293},{"text":"It's just a bit of an updated projection table for you to show you the impact of the the recommendation.","start":196.48999,"end":202.51,"sentiment":"neutral","sentiment_score":0.12582843452692033}],"sentiment":"neutral","sentiment_score":0.10651105130526507,"channel":0,"num_words":107,"start":166.39,"end":202.51},{"sentences":[{"text":"Okay.","start":204.0,"end":204.5,"sentiment":"neutral","sentiment_score":0.16470929980278015}],"sentiment":"neutral","sentiment_score":0.16470929980278015,"channel":1,"num_words":1,"start":204.0,"end":204.5},{"sentences":[{"text":"Now I did do a lot of research on your hub twenty four account as well just to make sure it's still the best option for you because there's always new products and features that comes out.","start":204.985,"end":214.985,"sentiment":"neutral","sentiment_score":0.2518966487936071},{"text":"So it is important for us to do some research every now and then on the product just to make sure it's still the best one for you.","start":214.985,"end":222.56,"sentiment":"neutral","sentiment_score":0.26449405189071384},{"text":"And at the moment, I have recommended that you stay in Hub twenty four.","start":222.56,"end":226.66,"sentiment":"neutral","sentiment_score":0.29952857217618395},{"text":"It's still really competitive when it comes to other options out there in terms of, you know, fees, flexibility, and investment choices.","start":226.88,"end":234.34,"sentiment":"positive","sentiment_score":0.41345624219287525},{"text":"And I do use Hub twenty four for my personal super as well.","start":235.00499,"end":238.545,"sentiment":"positive","sentiment_score":0.3408280427639301}],"sentiment":"neutral","sentiment_score":0.30215974871003837,"channel":0,"num_words":114,"start":204.985,"end":238.545},{"sentences":[{"text":"So, yeah, definitely haven't recommended to make any changes to Hub twenty four, literally just swapping some of your investments 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good.","start":260.795,"end":269.135,"sentiment":"positive","sentiment_score":0.7181577366941115}],"sentiment":"positive","sentiment_score":0.5258516124553151,"channel":0,"num_words":45,"start":247.98,"end":269.135},{"sentences":[{"text":"Yep.","start":270.305,"end":270.785,"sentiment":"positive","sentiment_score":0.449997752904892},{"text":"Yep.","start":270.785,"end":271.285,"sentiment":"positive","sentiment_score":0.393789142370224}],"sentiment":"positive","sentiment_score":0.421893447637558,"channel":1,"num_words":2,"start":270.305,"end":271.285},{"sentences":[{"text":"Now when it comes to the return as well, change.","start":272.155,"end":275.775,"sentiment":"neutral","sentiment_score":0.22026123106479645},{"text":"So we're not making any changes to your risk profile.","start":276.02,"end":279.48,"sentiment":"neutral","sentiment_score":0.033501680567860605},{"text":"We are staying the same at growth.","start":279.94,"end":281.94,"sentiment":"neutral","sentiment_score":0.25668675346033915},{"text":"So not making any changes in there, literally just swapping some that was underperforming through some to put you in a better position moving forward.","start":281.94,"end":289.88,"sentiment":"neutral","sentiment_score":0.1893453788757324},{"text":"And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis.","start":290.77502,"end":307.12997,"sentiment":"neutral","sentiment_score":0.23745951605470558}],"sentiment":"neutral","sentiment_score":0.20101702747245628,"channel":0,"num_words":90,"start":272.155,"end":307.12997},{"sentences":[{"text":"Yep.","start":308.165,"end":308.665,"sentiment":"neutral","sentiment_score":0.20330820977687836}],"sentiment":"neutral","sentiment_score":0.20330820977687836,"channel":1,"num_words":1,"start":308.165,"end":308.665},{"sentences":[{"text":"And the new recommended has performed at 13.85%.","start":308.55,"end":314.56998,"sentiment":"neutral","sentiment_score":0.2806076891720295},{"text":"So it is about","start":315.365,"end":316.165,"sentiment":"neutral","sentiment_score":0.15277038514614105}],"sentiment":"neutral","sentiment_score":0.23799525449673334,"channel":0,"num_words":12,"start":308.55,"end":316.165},{"sentences":[{"text":"Okay.","start":315.91,"end":316.41,"sentiment":"neutral","sentiment_score":0.2121594250202179}],"sentiment":"neutral","sentiment_score":0.2121594250202179,"channel":1,"num_words":1,"start":315.91,"end":316.41},{"sentences":[{"text":"6¢ better, which is pretty good.","start":316.165,"end":319.785,"sentiment":"positive","sentiment_score":0.45506028532981874}],"sentiment":"positive","sentiment_score":0.45506028532981874,"channel":0,"num_words":6,"start":316.165,"end":319.785},{"sentences":[{"text":"Yeah.","start":320.15,"end":320.31,"sentiment":"neutral","sentiment_score":0.1281115710735321},{"text":"I wish I went to three years ago 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forward to making sure that we have you in the best position?","start":348.515,"end":353.095,"sentiment":"neutral","sentiment_score":0.18791718624140086},{"text":"And that is going to change with time as, obviously, things things change for you, but then also, obviously, the market and the world itself.","start":353.795,"end":362.09,"sentiment":"neutral","sentiment_score":0.10294392928481103}],"sentiment":"neutral","sentiment_score":0.11373333568374316,"channel":0,"num_words":75,"start":338.86002,"end":362.09},{"sentences":[{"text":"And the really good thing with hub twenty four is there's hundreds and hundreds of different options for us to choose from that we can very quickly make a couple of changes for you.","start":362.55,"end":370.905,"sentiment":"positive","sentiment_score":0.38506923396797743}],"sentiment":"positive","sentiment_score":0.38506923396797743,"channel":0,"num_words":34,"start":362.55,"end":370.905},{"sentences":[{"text":"Okay.","start":372.07,"end":372.57,"sentiment":"neutral","sentiment_score":0.2731155455112457}],"sentiment":"neutral","sentiment_score":0.2731155455112457,"channel":1,"num_words":1,"start":372.07,"end":372.57},{"sentences":[{"text":"So, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic.","start":372.26498,"end":379.085,"sentiment":"positive","sentiment_score":0.618595777451992},{"text":"Now the one thing I do want to mention is that every time we do make investment changes, if we are selling an investment that has gone up, there will be capital gains tax.","start":380.905,"end":391.62,"sentiment":"neutral","sentiment_score":0.07600890242439859},{"text":"Now that does change a little bit on a daily when we're calculating it, and I've tried to minimize that as much as possible for you considering when I have made the changes in the investment.","start":392.16,"end":403.835,"sentiment":"neutral","sentiment_score":0.07597141190328532},{"text":"So by doing the changes, it will be roughly a $196, which which is really good.","start":404.85498,"end":413.25,"sentiment":"positive","sentiment_score":0.4876744206994772},{"text":"So if we were to do a full sell down, so I completely switch everything, it would be about 3,066.","start":413.33,"end":420.79,"sentiment":"neutral","sentiment_score":0.14209515769034625}],"sentiment":"neutral","sentiment_score":0.22488795988084304,"channel":0,"num_words":126,"start":372.26498,"end":420.79},{"sentences":[{"text":"Well,","start":421.745,"end":422.245,"sentiment":"neutral","sentiment_score":0.05664929375052452}],"sentiment":"neutral","sentiment_score":0.05664929375052452,"channel":1,"num_words":1,"start":421.745,"end":422.245},{"sentences":[{"text":"Yeah.","start":422.77,"end":423.27,"sentiment":"neutral","sentiment_score":0.06356780976057053},{"text":"So if you do see about a 196, that's the tax that come out.","start":423.49,"end":428.02502,"sentiment":"neutral","sentiment_score":0.01405880821818885},{"text":"So try to minimize that as much as possible.","start":428.02502,"end":430.105,"sentiment":"neutral","sentiment_score":0.08509866562154558},{"text":"So we're very happy with 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far?","start":436.505,"end":438.605,"sentiment":"neutral","sentiment_score":0.09141745697706938}],"sentiment":"neutral","sentiment_score":0.09141745697706938,"channel":0,"num_words":8,"start":436.505,"end":438.605},{"sentences":[{"text":"yes.","start":438.68002,"end":439.16,"sentiment":"neutral","sentiment_score":0.1084921658039093},{"text":"Yep.","start":439.16,"end":439.48,"sentiment":"neutral","sentiment_score":0.13415542244911194},{"text":"Definitely.","start":439.48,"end":439.98,"sentiment":"neutral","sentiment_score":0.23572251200675964}],"sentiment":"neutral","sentiment_score":0.15945670008659363,"channel":1,"num_words":3,"start":438.68002,"end":439.98},{"sentences":[{"text":"Yeah.","start":439.625,"end":440.02502,"sentiment":"positive","sentiment_score":0.3454689383506775},{"text":"Great.","start":440.02502,"end":440.49,"sentiment":"positive","sentiment_score":0.6914228200912476},{"text":"Perfect.","start":440.65,"end":441.15,"sentiment":"positive","sentiment_score":0.6196368336677551},{"text":"Now, basically, everything I have touched on as well, it is outlined in words as well in the statement of advice so that you can have a read over it.","start":441.69,"end":450.50998,"sentiment":"neutral","sentiment_score":0.12510138327876727},{"text":"And it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option.","start":450.65,"end":469.81,"sentiment":"neutral","sentiment_score":-0.030644139793332456}],"sentiment":"neutral","sentiment_score":0.04401663583053579,"channel":0,"num_words":86,"start":439.625,"end":469.81},{"sentences":[{"text":"Okay.","start":471.065,"end":471.565,"sentiment":"neutral","sentiment_score":-0.01468356605619192}],"sentiment":"neutral","sentiment_score":-0.01468356605619192,"channel":1,"num_words":1,"start":471.065,"end":471.565},{"sentences":[{"text":"But also alternatives.","start":472.27,"end":473.49,"sentiment":"neutral","sentiment_score":-0.026902909701069195},{"text":"So like I said, I considered other options for you.","start":473.63,"end":476.51,"sentiment":"neutral","sentiment_score":-0.03147314451634884},{"text":"One of the ones I were considering was my North.","start":476.51,"end":479.16998,"sentiment":"neutral","sentiment_score":-0.03532490991055966},{"text":"But, again, the capital gains tax would be over 3,000 to do it, and it just wasn't worth making the change when I could do exactly the same in Hub 24 for you.","start":480.065,"end":489.92502,"sentiment":"neutral","sentiment_score":-0.11742079416007707}],"sentiment":"neutral","sentiment_score":-0.08256384786883635,"channel":0,"num_words":56,"start":472.27,"end":489.92502},{"sentences":[{"text":"Okay.","start":490.65,"end":491.15,"sentiment":"neutral","sentiment_score":0.035023033618927}],"sentiment":"neutral","sentiment_score":0.035023033618927,"channel":1,"num_words":1,"start":490.65,"end":491.15},{"sentences":[{"text":"Yep.","start":491.505,"end":491.91,"sentiment":"neutral","sentiment_score":0.039437271654605865},{"text":"Now when it comes to the actual investment changes, that is outlined on page 15 when you do have a moment to have a look at it.","start":492.31,"end":500.97,"sentiment":"neutral","sentiment_score":0.04422853535248174},{"text":"Excuse me.","start":502.31,"end":503.11002,"sentiment":"neutral","sentiment_score":-0.01421866100281477},{"text":"Now it is outlined in a table.","start":503.11002,"end":505.21,"sentiment":"neutral","sentiment_score":0.018805316117193018},{"text":"It can look a little bit messy, but, basically, if you look at it, you will see investment name.","start":505.27,"end":511.185,"sentiment":"neutral","sentiment_score":0.016979777695317017}],"sentiment":"neutral","sentiment_score":0.02963256059280996,"channel":0,"num_words":56,"start":491.505,"end":511.185},{"sentences":[{"text":"It lists all your current investments along with the new ones I have recommended.","start":511.185,"end":516.005,"sentiment":"neutral","sentiment_score":0.06611053964921407},{"text":"It shows","start":517.345,"end":517.90497,"sentiment":"neutral","sentiment_score":0.048028621822595596}],"sentiment":"neutral","sentiment_score":0.06385029992088675,"channel":0,"num_words":16,"start":511.185,"end":517.90497},{"sentences":[{"text":"Okay.","start":517.77,"end":518.27,"sentiment":"neutral","sentiment_score":0.05397256836295128}],"sentiment":"neutral","sentiment_score":0.05397256836295128,"channel":1,"num_words":1,"start":517.77,"end":518.27},{"sentences":[{"text":"you as well a buy and sell table.","start":517.90497,"end":520.485,"sentiment":"neutral","sentiment_score":0.06282196613028646},{"text":"Now everything in red is what we are selling.","start":521.3,"end":524.68,"sentiment":"neutral","sentiment_score":0.05375873090492354},{"text":"Everything in black is what we are either retaining or purchasing.","start":525.3,"end":529.64,"sentiment":"neutral","sentiment_score":0.04408764432777058},{"text":"Okay?","start":529.77997,"end":530.27997,"sentiment":"neutral","sentiment_score":0.03875092417001724}],"sentiment":"neutral","sentiment_score":0.05207307996421025,"channel":0,"num_words":29,"start":517.90497,"end":530.27997},{"sentences":[{"text":"Okay.","start":531.055,"end":531.555,"sentiment":"neutral","sentiment_score":0.04510905593633652}],"sentiment":"neutral","sentiment_score":0.04510905593633652,"channel":1,"num_words":1,"start":531.055,"end":531.555},{"sentences":[{"text":"Yep.","start":532.18,"end":532.68,"sentiment":"neutral","sentiment_score":0.0540056936442852},{"text":"Now it probably makes more sense when you're actually looking at the document.","start":532.835,"end":536.695,"sentiment":"neutral","sentiment_score":0.05291995979272402}],"sentiment":"neutral","sentiment_score":0.052997512210692675,"channel":0,"num_words":14,"start":532.18,"end":536.695},{"sentences":[{"text":"Yep.","start":537.63,"end":538.13,"sentiment":"neutral","sentiment_score":0.045104749500751495}],"sentiment":"neutral","sentiment_score":0.045104749500751495,"channel":1,"num_words":1,"start":537.63,"end":538.13},{"sentences":[{"text":"But, essentially, the the philosophy around how we construct the portfolio, nothing is changing in regards to that.","start":537.955,"end":545.07,"sentiment":"neutral","sentiment_score":-0.0006132884882390499},{"text":"We are still very much following that core and satellite approach to investment, which is that we do invest majority of the funds in the core, which kind of represents the backbone of your portfolio.","start":545.31,"end":558.61,"sentiment":"neutral","sentiment_score":0.29404539295605253},{"text":"So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it.","start":559.545,"end":571.98,"sentiment":"neutral","sentiment_score":0.3311653546988964},{"text":"So, for example, one of them is your iShares S and P five hundred.","start":572.45996,"end":576.86,"sentiment":"neutral","sentiment_score":0.24242395801203592},{"text":"You already have that in your portfolio.","start":576.86,"end":578.72,"sentiment":"positive","sentiment_score":0.45038617083004545}],"sentiment":"neutral","sentiment_score":0.2638052838298966,"channel":0,"num_words":114,"start":537.955,"end":578.72},{"sentences":[{"text":"It was doing really well.","start":578.77997,"end":580.24,"sentiment":"positive","sentiment_score":0.6888279914855957},{"text":"And just for your reference, just with that one single investment, it does invest in the 500 largest companies listed in The US.","start":580.86,"end":588.885,"sentiment":"neutral","sentiment_score":0.18140809885833575},{"text":"So, obviously, very diversified for you.","start":588.885,"end":591.145,"sentiment":"neutral","sentiment_score":0.2787904515862465}],"sentiment":"neutral","sentiment_score":0.27321379237315235,"channel":0,"num_words":34,"start":578.77997,"end":591.145},{"sentences":[{"text":"Yep.","start":591.81,"end":592.31,"sentiment":"neutral","sentiment_score":0.09251011908054352}],"sentiment":"neutral","sentiment_score":0.09251011908054352,"channel":1,"num_words":1,"start":591.81,"end":592.31},{"sentences":[{"text":"But what we have then swapped is your Bennelong one.","start":593.285,"end":595.765,"sentiment":"neutral","sentiment_score":0.03608655259013176},{"text":"That was the one that were was kind of underperforming a little bit.","start":595.765,"end":599.225,"sentiment":"neutral","sentiment_score":-0.11039570403786805},{"text":"But we wanna also make sure that we do have some exposure to 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Woolworths.","start":627.29004,"end":630.83,"sentiment":"neutral","sentiment_score":0.2653866731203519},{"text":"So, again, making sure we do do give you a very well diversified exposure.","start":631.21,"end":635.79004,"sentiment":"positive","sentiment_score":0.44463386280196054},{"text":"All make sense so 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then we obviously wanna make sure as well and, obviously, aside from your defensive so gold, for example, we are keeping that exposure for you.","start":640.455,"end":648.395,"sentiment":"neutral","sentiment_score":0.13677827870616546},{"text":"We are increasing it slightly from at the moment, you have about 7.7%, increasing that to about 10.","start":648.455,"end":655.33,"sentiment":"neutral","sentiment_score":0.12288678478863505},{"text":"It's been doing really good, and it's very good kind of stabilizer when we do seeing a bit of fluctuations in the market.","start":655.33,"end":661.59,"sentiment":"positive","sentiment_score":0.4952239258133847},{"text":"We very much wanna keep the gold in the portfolio, but also wanna keep fixed interest from making sure we drew limit fluctuations a little bit, I'm only at about 14%.","start":661.89,"end":674.285,"sentiment":"neutral","sentiment_score":0.1763127438363529}],"sentiment":"neutral","sentiment_score":0.23394765010611576,"channel":0,"num_words":99,"start":639.415,"end":674.285},{"sentences":[{"text":"So, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well.","start":674.345,"end":681.24,"sentiment":"neutral","sentiment_score":0.1536490266089854}],"sentiment":"neutral","sentiment_score":0.1536490266089854,"channel":0,"num_words":23,"start":674.345,"end":681.24},{"sentences":[{"text":"Yes.","start":682.57,"end":682.81,"sentiment":"neutral","sentiment_score":0.12499552965164185},{"text":"Okay.","start":682.81,"end":683.31,"sentiment":"neutral","sentiment_score":0.11230792105197906}],"sentiment":"neutral","sentiment_score":0.11865172535181046,"channel":1,"num_words":2,"start":682.57,"end":683.31},{"sentences":[{"text":"And when it comes to kind of the satellite investments, and these are the ones that's, you know, a little bit more specialized to tryna maximize that growth for you, but they can be a little bit more volatile, and that's why they only represent a smaller portion of your portfolio.","start":683.0,"end":700.615,"sentiment":"neutral","sentiment_score":0.0664772674505252},{"text":"So we don't wanna put too much in there, just a little bit to tryna take advantage of that.","start":700.675,"end":705.415,"sentiment":"neutral","sentiment_score":0.042182988830302894},{"text":"And part of that is we have about 5% invested in Japan, about 8% in Europe.","start":705.875,"end":714.23,"sentiment":"neutral","sentiment_score":0.11463355645537376},{"text":"We are keeping 5%, which you already have, in cybersecurity.","start":714.85,"end":719.51,"sentiment":"neutral","sentiment_score":0.13992012441158294},{"text":"And then we do have another one, which is 8% in one that's called Vanguard All 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US.","start":731.75494,"end":734.71497,"sentiment":"neutral","sentiment_score":0.022535740048624575},{"text":"So it invests all around the globe, but excluding The US because you already have exposure to The US in that iShares s and p 500, and we don't want you to have overexposure in one area either.","start":734.71497,"end":746.66003,"sentiment":"neutral","sentiment_score":0.015453317619271968},{"text":"So we wanna make","start":746.80005,"end":747.60004,"sentiment":"neutral","sentiment_score":0.044234259985387325}],"sentiment":"neutral","sentiment_score":0.018888980597257615,"channel":0,"num_words":50,"start":731.75494,"end":747.60004},{"sentences":[{"text":"Okay.","start":747.54004,"end":748.04004,"sentiment":"neutral","sentiment_score":0.04210420697927475}],"sentiment":"neutral","sentiment_score":0.04210420697927475,"channel":1,"num_words":1,"start":747.54004,"end":748.04004},{"sentences":[{"text":"sure we diversify things for you.","start":747.60004,"end":749.68005,"sentiment":"neutral","sentiment_score":0.06686168474455674},{"text":"Does that make sense?","start":749.68005,"end":750.82,"sentiment":"neutral","sentiment_score":0.07221219129860401}],"sentiment":"neutral","sentiment_score":0.06900188736617566,"channel":0,"num_words":10,"start":747.60004,"end":750.82},{"sentences":[{"text":"Yep.","start":751.425,"end":751.825,"sentiment":"neutral","sentiment_score":0.13259480893611908},{"text":"Perfectly.","start":751.825,"end":752.325,"sentiment":"neutral","sentiment_score":0.3233940601348877}],"sentiment":"neutral","sentiment_score":0.2279944345355034,"channel":1,"num_words":2,"start":751.425,"end":752.325},{"sentences":[{"text":"Yep.","start":752.32,"end":752.775,"sentiment":"neutral","sentiment_score":0.1781625598669052},{"text":"Yep.","start":752.935,"end":753.17505,"sentiment":"neutral","sentiment_score":0.23532965779304504},{"text":"Perfect.","start":753.17505,"end":753.67505,"sentiment":"positive","sentiment_score":0.4819394946098328},{"text":"That's great.","start":753.815,"end":754.55505,"sentiment":"positive","sentiment_score":0.609561562538147},{"text":"And that is essentially the changes.","start":754.935,"end":757.275,"sentiment":"neutral","sentiment_score":0.24993916600942612}],"sentiment":"neutral","sentiment_score":0.32856271212751215,"channel":0,"num_words":11,"start":752.32,"end":757.275},{"sentences":[{"text":"So it's not drastic changes.","start":757.495,"end":759.275,"sentiment":"neutral","sentiment_score":0.11319896280765533},{"text":"It is literally swapping out some that, you know, we foresee maybe moving forward isn't going to put you in a good of a position.","start":759.575,"end":766.955,"sentiment":"neutral","sentiment_score":0.25181949377059937},{"text":"If we can change it based on all the market trends and everything that's going to happen that we foresee, then that's also part of our job.","start":767.24,"end":773.72,"sentiment":"neutral","sentiment_score":0.30243956987504605},{"text":"And that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day.","start":773.72,"end":787.66504,"sentiment":"positive","sentiment_score":0.4226362728155576}],"sentiment":"positive","sentiment_score":0.3394902452416376,"channel":0,"num_words":109,"start":757.495,"end":787.66504},{"sentences":[{"text":"Yep.","start":788.82996,"end":789.07,"sentiment":"neutral","sentiment_score":0.09160512685775755},{"text":"Okay.","start":789.07,"end":789.57,"sentiment":"neutral","sentiment_score":0.08845619112253189}],"sentiment":"neutral","sentiment_score":0.09003065899014473,"channel":1,"num_words":2,"start":788.82996,"end":789.57},{"sentences":[{"text":"Yep.","start":789.48505,"end":789.98505,"sentiment":"neutral","sentiment_score":0.07747282087802887}],"sentiment":"neutral","sentiment_score":0.07747282087802887,"channel":0,"num_words":1,"start":789.48505,"end":789.98505},{"sentences":[{"text":"I've got a quick question.","start":790.26996,"end":791.31,"sentiment":"neutral","sentiment_score":0.06234450936317444},{"text":"So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67","start":791.31,"end":797.49,"sentiment":"neutral","sentiment_score":0.04261396266520023}],"sentiment":"neutral","sentiment_score":0.04613727457555277,"channel":1,"num_words":28,"start":790.26996,"end":797.49},{"sentences":[{"text":"Yep.","start":797.82,"end":798.32,"sentiment":"neutral","sentiment_score":0.04050135612487793}],"sentiment":"neutral","sentiment_score":0.04050135612487793,"channel":0,"num_words":1,"start":797.82,"end":798.32},{"sentences":[{"text":"in my latest interview I had from with you guys.","start":798.99,"end":804.02496,"sentiment":"neutral","sentiment_score":0.04351139701902866},{"text":"And I was just wondering what my projected if just say it stays on course, what it's been performing at an average or what it's projected to be the","start":804.085,"end":811.285,"sentiment":"neutral","sentiment_score":0.006448060531040718}],"sentiment":"neutral","sentiment_score":0.01595148014334532,"channel":1,"num_words":39,"start":798.99,"end":811.285},{"sentences":[{"text":"Yeah.","start":811.275,"end":811.775,"sentiment":"neutral","sentiment_score":0.01351171638816595}],"sentiment":"neutral","sentiment_score":0.01351171638816595,"channel":0,"num_words":1,"start":811.275,"end":811.775},{"sentences":[{"text":"total amount from when I retire at 67.","start":811.285,"end":813.705,"sentiment":"neutral","sentiment_score":0.014547173399478197}],"sentiment":"neutral","sentiment_score":0.014547173399478197,"channel":1,"num_words":8,"start":811.285,"end":813.705},{"sentences":[{"text":"Yeah.","start":813.995,"end":814.315,"sentiment":"neutral","sentiment_score":0.039602309465408325},{"text":"So I have done now I typically only do about five and ten years projections, and that is just because there's so much that can change over a longer period of time as well.","start":814.315,"end":825.37,"sentiment":"neutral","sentiment_score":0.03156220151440186}],"sentiment":"neutral","sentiment_score":0.031791918884430614,"channel":0,"num_words":35,"start":813.995,"end":825.37},{"sentences":[{"text":"Yep.","start":825.92,"end":826.42,"sentiment":"neutral","sentiment_score":0.09746785461902618}],"sentiment":"neutral","sentiment_score":0.09746785461902618,"channel":1,"num_words":1,"start":825.92,"end":826.42},{"sentences":[{"text":"But if we do use a ten year time frame so that you can see that, on a ten year, with your current structure, like, if you decide, no.","start":826.07,"end":836.415,"sentiment":"neutral","sentiment_score":0.017979356042783837},{"text":"I don't wanna make any changes whatsoever, but, obviously,","start":836.415,"end":839.875,"sentiment":"neutral","sentiment_score":-0.1250125819610225}],"sentiment":"neutral","sentiment_score":-0.015887155589696608,"channel":0,"num_words":38,"start":826.07,"end":839.875},{"sentences":[{"text":"Yep.","start":839.415,"end":839.915,"sentiment":"neutral","sentiment_score":0.11131642758846284}],"sentiment":"neutral","sentiment_score":0.11131642758846284,"channel":1,"num_words":1,"start":839.415,"end":839.915},{"sentences":[{"text":"income and everything stays the same, you are projected to then be on track to have about four hundred and forty nine thousand five hundred and twelve in ten 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found another option for you.","start":986.97504,"end":991.215,"sentiment":"neutral","sentiment_score":0.009913786547258498},{"text":"When I did the research, that would produce as good of an outcome when it comes to return.","start":991.215,"end":996.64996,"sentiment":"neutral","sentiment_score":0.11825601591004266},{"text":"So part of","start":997.27,"end":998.14996,"sentiment":"neutral","sentiment_score":-0.002306456367174784}],"sentiment":"neutral","sentiment_score":0.06162998654149674,"channel":0,"num_words":37,"start":986.97504,"end":998.14996},{"sentences":[{"text":"Yep.","start":998.135,"end":998.635,"sentiment":"neutral","sentiment_score":0.08066512644290924}],"sentiment":"neutral","sentiment_score":0.08066512644290924,"channel":1,"num_words":1,"start":998.135,"end":998.635},{"sentences":[{"text":"the best interest is making sure, well, if you are paying for more in fees, you obviously need to make sure that you have other areas that then would negate 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come","start":1012.22,"end":1013.74,"sentiment":"neutral","sentiment_score":0.025543772098090913}],"sentiment":"neutral","sentiment_score":0.08637269412477812,"channel":1,"num_words":15,"start":1010.86,"end":1013.74},{"sentences":[{"text":"Exactly.","start":1013.645,"end":1014.145,"sentiment":"neutral","sentiment_score":0.020743446424603466}],"sentiment":"neutral","sentiment_score":0.020743446424603466,"channel":0,"num_words":1,"start":1013.645,"end":1014.145},{"sentences":[{"text":"across over four years ago, they said, oh, you can retire at 16.","start":1013.74,"end":1017.18,"sentiment":"neutral","sentiment_score":0.013839718097677598},{"text":"You'll have $7,800,000.","start":1017.18,"end":1019.12,"sentiment":"neutral","sentiment_score":0.027463864535093307},{"text":"That was, like, four years ago when I come across.","start":1019.33997,"end":1021.74,"sentiment":"neutral","sentiment_score":-0.01289527676999569},{"text":"Now four years later, if I stayed where I am, it's, like, 450,000, you're saying, if you make those changes.","start":1021.74,"end":1027.975,"sentiment":"neutral","sentiment_score":-0.020458871498703957},{"text":"So it's like","start":1028.195,"end":1029.015,"sentiment":"neutral","sentiment_score":0.00415914071102937}],"sentiment":"neutral","sentiment_score":-0.005374384625833862,"channel":1,"num_words":49,"start":1013.74,"end":1029.015},{"sentences":[{"text":"If we yeah.","start":1028.62,"end":1030.48,"sentiment":"neutral","sentiment_score":-0.023874130100011826}],"sentiment":"neutral","sentiment_score":-0.023874130100011826,"channel":0,"num_words":3,"start":1028.62,"end":1030.48},{"sentences":[{"text":"yeah.","start":1030.115,"end":1030.515,"sentiment":"neutral","sentiment_score":-0.03208654001355171},{"text":"If if say to us that that was the original ones they put on before.","start":1030.515,"end":1034.275,"sentiment":"neutral","sentiment_score":-0.07568585053086281},{"text":"So it's, like, in that four years, besides my contributions 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fee.","start":1370.5751,"end":1372.595,"sentiment":"neutral","sentiment_score":0.18133138865232468}],"sentiment":"neutral","sentiment_score":0.1966465601697564,"channel":0,"num_words":60,"start":1353.27,"end":1372.595},{"sentences":[{"text":"How to kind of move forward is when you do have a moment, have a read through the email.","start":1373.535,"end":1378.27,"sentiment":"neutral","sentiment_score":0.2601664583933981},{"text":"If you have any questions, let me know or give me a call.","start":1378.27,"end":1381.3301,"sentiment":"neutral","sentiment_score":0.117453110905794},{"text":"If not, if you are happy with the changes at the moment, then you would just need to sign those documents, or you can do it digitally same as last time.","start":1381.87,"end":1391.17,"sentiment":"neutral","sentiment_score":0.1381507479856091},{"text":"Once you have signed it, it will then come back to me, and I can let the team know that we'll go ahead and make these investment changes for you.","start":1391.985,"end":1400.965,"sentiment":"positive","sentiment_score":0.34831609775622685},{"text":"And every under","start":1401.185,"end":1401.985,"sentiment":"neutral","sentiment_score":0.22551057239373526}],"sentiment":"neutral","sentiment_score":0.22790355196533105,"channel":0,"num_words":96,"start":1373.535,"end":1401.985},{"sentences":[{"text":"Yep.","start":1401.785,"end":1402.285,"sentiment":"neutral","sentiment_score":0.15027591586112976}],"sentiment":"neutral","sentiment_score":0.15027591586112976,"channel":1,"num_words":1,"start":1401.785,"end":1402.285},{"sentences":[{"text":"review as well, we can do a bit of an update a bit more in-depth for you as well.","start":1401.985,"end":1406.44,"sentiment":"neutral","sentiment_score":0.20803376169581161},{"text":"So not just, hey.","start":1406.44,"end":1407.48,"sentiment":"neutral","sentiment_score":0.06871194578707218},{"text":"How are you going?","start":1407.48,"end":1408.2,"sentiment":"neutral","sentiment_score":0.08860180154442787},{"text":"Where are things at?","start":1408.2,"end":1409.16,"sentiment":"neutral","sentiment_score":-0.004760803887620568},{"text":"We can do kind of updated projections and kind of talk you through where things are going to give you a little bit","start":1409.16,"end":1415.48,"sentiment":"neutral","sentiment_score":0.23758627150369727}],"sentiment":"neutral","sentiment_score":0.18569143501075883,"channel":0,"num_words":54,"start":1401.985,"end":1415.48},{"sentences":[{"text":"Yep.","start":1415.41,"end":1415.91,"sentiment":"neutral","sentiment_score":0.1939166784286499}],"sentiment":"neutral","sentiment_score":0.1939166784286499,"channel":1,"num_words":1,"start":1415.41,"end":1415.91},{"sentences":[{"text":"more of that reassurance as well.","start":1415.48,"end":1417.08,"sentiment":"neutral","sentiment_score":0.33101043850183487},{"text":"We can definitely do that.","start":1417.08,"end":1418.595,"sentiment":"positive","sentiment_score":0.6154374122619629}],"sentiment":"positive","sentiment_score":0.46029542657462036,"channel":0,"num_words":11,"start":1415.48,"end":1418.595},{"sentences":[{"text":"Okay.","start":1419.625,"end":1419.945,"sentiment":"positive","sentiment_score":0.47998201847076416},{"text":"Great.","start":1419.945,"end":1420.4249,"sentiment":"positive","sentiment_score":0.6866748332977295},{"text":"Well, yeah,","start":1420.4249,"end":1420.985,"sentiment":"positive","sentiment_score":0.3657923638820648}],"sentiment":"positive","sentiment_score":0.4745603948831558,"channel":1,"num_words":4,"start":1419.625,"end":1420.985},{"sentences":[{"text":"Yep.","start":1420.835,"end":1421.335,"sentiment":"positive","sentiment_score":0.33366844058036804}],"sentiment":"positive","sentiment_score":0.33366844058036804,"channel":0,"num_words":1,"start":1420.835,"end":1421.335},{"sentences":[{"text":"I'll get to work in about five minutes, and I'll have","start":1420.985,"end":1423.225,"sentiment":"neutral","sentiment_score":0.23034678805958142}],"sentiment":"neutral","sentiment_score":0.23034678805958142,"channel":1,"num_words":11,"start":1420.985,"end":1423.225},{"sentences":[{"text":"Yeah.","start":1422.995,"end":1423.495,"sentiment":"neutral","sentiment_score":0.109732024371624}],"sentiment":"neutral","sentiment_score":0.109732024371624,"channel":0,"num_words":1,"start":1422.995,"end":1423.495},{"sentences":[{"text":"a read through.","start":1423.225,"end":1423.705,"sentiment":"neutral","sentiment_score":0.24622742335001627},{"text":"And I'll yeah.","start":1423.705,"end":1424.505,"sentiment":"neutral","sentiment_score":0.22371753056844076},{"text":"I'll go through it from there.","start":1424.505,"end":1425.645,"sentiment":"positive","sentiment_score":0.39993416766325635}],"sentiment":"neutral","sentiment_score":0.3174533223112424,"channel":1,"num_words":12,"start":1423.225,"end":1425.645},{"sentences":[{"text":"Beautiful.","start":1426.115,"end":1426.615,"sentiment":"positive","sentiment_score":0.7915174961090088},{"text":"Thank you so much for your time today, Jamie.","start":1426.6749,"end":1428.595,"sentiment":"positive","sentiment_score":0.8573233683904012},{"text":"And like I said, any other questions or anything else that you do need, don't hesitate to give me a call.","start":1428.595,"end":1433.553,"sentiment":"positive","sentiment_score":0.455536676304681}],"sentiment":"positive","sentiment_score":0.58302251658132,"channel":0,"num_words":31,"start":1426.115,"end":1433.553},{"sentences":[{"text":"Thank you.","start":1434.0,"end":1434.7201,"sentiment":"positive","sentiment_score":0.7291274964809418},{"text":"Have a good day.","start":1434.7201,"end":1435.7001,"sentiment":"positive","sentiment_score":0.6808918565511703}],"sentiment":"positive","sentiment_score":0.6969704031944275,"channel":1,"num_words":6,"start":1434.0,"end":1435.7001},{"sentences":[{"text":"No problem.","start":1435.793,"end":1436.353,"sentiment":"positive","sentiment_score":0.40101979672908783},{"text":"You too.","start":1436.353,"end":1436.7529,"sentiment":"positive","sentiment_score":0.3694908916950226},{"text":"We'll speak soon.","start":1436.7529,"end":1437.733,"sentiment":"neutral","sentiment_score":0.3045042057832082}],"sentiment":"positive","sentiment_score":0.35064771345683504,"channel":0,"num_words":7,"start":1435.793,"end":1437.733},{"sentences":[{"text":"Bye.","start":1438.24,"end":1438.74,"sentiment":"neutral","sentiment_score":0.2022068351507187}],"sentiment":"neutral","sentiment_score":0.2022068351507187,"channel":1,"num_words":1,"start":1438.24,"end":1438.74},{"sentences":[{"text":"Bye.","start":1439.153,"end":1439.653,"sentiment":"neutral","sentiment_score":-0.1203547939658165}],"sentiment":"neutral","sentiment_score":-0.1203547939658165,"channel":0,"num_words":1,"start":1439.153,"end":1439.653}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses Jamie's investment choices and recommends staying in Hub twenty four, which is still competitive and has lower fees and investment fees. They also explain the process of making changes to their risk profile and keeping their current portfolio at 7.78% over the last three years. The speaker emphasizes the importance of diversifying their portfolio and reducing risk for retirement goals. They suggest reducing risk for the older age and making changes to the portfolio to achieve retirement goals. The speaker offers to provide assistance with educating the customer and reduce risk for the older age."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Jamie Kelly.","start_word":115,"end_word":144,"intents":[{"intent":"Confirm account","confidence_score":0.00016637382},{"intent":"Confirm identity","confidence_score":0.06360684},{"intent":"Provide information","confidence_score":0.20050226},{"intent":"Confirm identity","confidence_score":0.6755283}]},{"text":"And if you then have any questions, you can give me a call. Is that okay? Yeah.","start_word":234,"end_word":250,"intents":[{"intent":"Provide assistance","confidence_score":0.007594165}]},{"text":"Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yes.","start_word":379,"end_word":442,"intents":[{"intent":"Guide advisor","confidence_score":0.00059080066}]},{"text":"So you will save about $615 a year just from investment fees alone, which is pretty good.","start_word":749,"end_word":765,"intents":[{"intent":"Save money","confidence_score":0.58746296},{"intent":"Reduce fees and increase taxes","confidence_score":0.0034971111}]},{"text":"So you will save about $615 a year just from investment fees alone, which is pretty good. Yep.","start_word":749,"end_word":766,"intents":[{"intent":"Reduce fees and improve returns","confidence_score":0.089966126}]},{"text":"And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis. Yep.","start_word":819,"end_word":857,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.020672387}]},{"text":"No one could predict, obviously, COVID or the war or what Trump's gonna do. So there is obviously Yep.","start_word":918,"end_word":936,"intents":[{"intent":"Predict change in market","confidence_score":0.0006855313}]},{"text":"So, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic.","start_word":1047,"end_word":1066,"intents":[{"intent":"Reduce fees and minimize tax consequences","confidence_score":0.0003396029}]},{"text":"So if you do see about a 196, that's the tax that come out. So try to minimize that as much as possible.","start_word":1175,"end_word":1197,"intents":[{"intent":"Reduce tax","confidence_score":0.029173758}]},{"text":"And it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option. Okay.","start_word":1266,"end_word":1319,"intents":[{"intent":"Discuss investment alternatives","confidence_score":0.00836884}]},{"text":"So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it.","start_word":1548,"end_word":1587,"intents":[{"intent":"Diversify portfolio","confidence_score":0.0007261939}]},{"text":"So, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well. Yes.","start_word":1882,"end_word":1905,"intents":[{"intent":"Maximize growth","confidence_score":0.5351696}]},{"text":"sure we diversify things for you. Does that make sense? Yep.","start_word":2082,"end_word":2092,"intents":[{"intent":"Diversify investments","confidence_score":0.744113}]},{"text":"And that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day. Yep.","start_word":2162,"end_word":2214,"intents":[{"intent":"Maintain monitoring","confidence_score":0.0017623948},{"intent":"Recommend changes","confidence_score":0.31317848}]},{"text":"So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67 Yep.","start_word":2222,"end_word":2245,"intents":[{"intent":"Maintain retirement age","confidence_score":0.037100554}]},{"text":"total amount from when I retire at 67.","start_word":2286,"end_word":2293,"intents":[{"intent":"Estimate retirement budget","confidence_score":0.0025637029}]},{"text":"Well, is moving through, let's say, not hub twenty four moving to, like, a standard industry fund where you don't have adviser fees and just like your Australian Super or QSuper or Australian Retirement Trust or anything like that. And, also, Yep.","start_word":2627,"end_word":2668,"intents":[{"intent":"Analyze fund options","confidence_score":0.0014937187}]},{"text":"why we try to diversify the portfolio as much as possible so that if something happens to one area, not everything's affected. Now sometimes what happens Yep.","start_word":3067,"end_word":3093,"intents":[{"intent":"Recommend investing diversification","confidence_score":0.007112626},{"intent":"Discuss portfolio diversification","confidence_score":0.0499165},{"intent":"Explain portfolio portfolio diversification","confidence_score":0.00017469516},{"intent":"Discuss portfolio diversification","confidence_score":0.21680039},{"intent":"Explain portfolio diversification","confidence_score":0.041610826},{"intent":"Discuss portfolio diversification","confidence_score":0.27297932}]},{"text":"in your standard industry funds is that you still sometimes have different options, but it's very limited. So instead of having hundreds of different choices, it's usually, like, 10 to maybe 20 choices. And how Yep.","start_word":3094,"end_word":3129,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.036132466},{"intent":"Discuss portfolio options","confidence_score":0.024595682},{"intent":"Discuss investment options","confidence_score":0.120987624},{"intent":"Discuss investment options","confidence_score":0.039892707}]},{"text":"it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding Yep. what goes in and out of the portfolio.","start_word":3130,"end_word":3164,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.05010801},{"intent":"Discuss investment decisions","confidence_score":0.012619175}]},{"text":"it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding Yep. what goes in and out of the portfolio. Now you don't actually have oversight of what you are invested in aside from the name. They just decide what goes in and out, and you don't know. So it's also Yeah.","start_word":3130,"end_word":3196,"intents":[{"intent":"Clarify investment decisions","confidence_score":0.000098013625}]},{"text":"So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement. Because if it did happen in the market then, you don't potentially have the time to recoup everything.","start_word":3256,"end_word":3308,"intents":[{"intent":"Discuss retirement transition","confidence_score":0.032861866}]},{"text":"So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement. Because if it did happen in the market then, you don't potentially have the time to recoup everything. So we do Yep.","start_word":3256,"end_word":3312,"intents":[{"intent":"Discuss market changes","confidence_score":0.0016707169}]},{"text":"it does work different, but I do understand what you mean that you have to obviously make sure that the fees outweighs the performance that you are getting.","start_word":3359,"end_word":3386,"intents":[{"intent":"Understand pricing and fees","confidence_score":0.0000059906556}]},{"text":"My job is to work with you Yep. to make sure I can put you in the best position, also have help Yep. obviously educate you and everything like that, and working alongside you. Okay.","start_word":3521,"end_word":3555,"intents":[{"intent":"Work with yep","confidence_score":0.027085513}]},{"text":"Now, well, I'm yeah. What I'll do is I'll leave it for another year or two and see how the next twelve months, twenty four months perform. But, Yes.","start_word":3556,"end_word":3584,"intents":[{"intent":"Explain future plans","confidence_score":0.00007993358}]},{"text":"review as well, we can do a bit of an update a bit more in-depth for you as well.","start_word":4066,"end_word":4084,"intents":[{"intent":"Review investment changes","confidence_score":0.040182933}]}]},"sentiments":{"segments":[{"text":"I hang up. Good afternoon. This is Jamie. Yes. Speaking. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.11463657766580582},{"text":"Good. Thanks.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.4805668890476227},{"text":"How are you?","start_word":21,"end_word":23,"sentiment":"neutral","sentiment_score":0.2950363755226135},{"text":"I'm good. Thanks.","start_word":24,"end_word":26,"sentiment":"positive","sentiment_score":0.5626633763313293},{"text":"I had you booked in for a pretty quick catch up today, really, just to kind of go through the research I did on your super investments. Is Yes. now still a good time for you? Hey. I'm striving to work, so I'll be in the car for the next forty five minutes.","start_word":27,"end_word":79,"sentiment":"neutral","sentiment_score":0.20085905492305756},{"text":"That's perfect.","start_word":80,"end_word":81,"sentiment":"positive","sentiment_score":0.6952640414237976},{"text":"Now, Jamie, before I do go any further, I do need to let you know that our calls calls are being recorded for quality and coaching purposes, if that's okay.","start_word":82,"end_word":111,"sentiment":"neutral","sentiment_score":0.07515687495470047},{"text":"That's fun. Perfect.","start_word":112,"end_word":114,"sentiment":"positive","sentiment_score":0.5282467007637024},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Jamie Kelly. Checking of the 877 And 77 Clowall Avenue, Roushill, New South Wales. Yep.","start_word":115,"end_word":157,"sentiment":"neutral","sentiment_score":0.058011073619127274},{"text":"Perfect. That's exactly what I have here.","start_word":158,"end_word":164,"sentiment":"positive","sentiment_score":0.5191745758056641},{"text":"Now I know you said you are driving, which is okay, but what I have done is I have sent you an email with the document.","start_word":165,"end_word":190,"sentiment":"neutral","sentiment_score":0.19517168402671817},{"text":"Now it is pretty straightforward. So if you're happy for me to do so, I'll just kind of run through an overview of the changes.","start_word":191,"end_word":215,"sentiment":"positive","sentiment_score":0.35723015666007996},{"text":"And then when you have a bit more time later on, you can have a read through it. And if you then have any questions, you can give me a call. Is that okay? Yeah. That's Yeah. fine. Okay. Perfect. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in a statement of advice for you just so that you are fully aware of everything and understand that a lot of it is just for compliance purposes as Yep. well, but it is to make sure that you fully understand everything. Today, it's pretty straightforward, though. Not massive changes. But Okay. like I said, if you do have any questions, just let me know. Yep. Now on the cover page, when you do have a look at it, you will see my details list today. You will also see my authorized representative number, and I am licensed under Oakview Financial. Okay. Now every time we do make a recommendation, we have to make sure we follow that best interest duty, which is to make sure that we always take your best interest before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yes.","start_word":216,"end_word":442,"sentiment":"neutral","sentiment_score":0.10624468530064636},{"text":"Yes. Perfect. Now like I said, today is pretty straightforward.","start_word":443,"end_word":452,"sentiment":"positive","sentiment_score":0.45496439933776855},{"text":"It is just reviewing your superannuation. We're not making any changes to insurances or anything else, literally just your superannuation. Now I checked. as you have a have a read through the document, you'll also see a couple of pages with just some personal information about you. Just have a bit of a read over it, and let me know if there's anything that's not up to date. Otherwise, where it will outline what the actual changes are will be outlined on page let me have a look here. Page 18 is where it kind of summarizes the recommendation in one of those tables that you would have seen before. It's just a bit of an updated projection table for you to show you the impact of the the recommendation. Okay. Now I did do a lot of research on your hub twenty four account as well just to make sure it's still the best option for you because there's always new products and features that comes out. So it is important for us to do some research every now and then on the product just to make sure it's still the best one for you. And at the moment, I have recommended that you stay in Hub twenty four.","start_word":453,"end_word":662,"sentiment":"neutral","sentiment_score":0.16062164306640625},{"text":"It's still really competitive when it comes to other options out there in terms of, you know, fees, flexibility, and investment choices.","start_word":663,"end_word":684,"sentiment":"positive","sentiment_score":0.402839332818985},{"text":"And I do use Hub twenty four for my personal super as well. So, yeah, definitely haven't recommended to make any changes to Hub twenty four, literally just swapping some of your investments around. Okay. Yep.","start_word":685,"end_word":720,"sentiment":"neutral","sentiment_score":0.05777006596326828},{"text":"Now when it comes to the actual investment changes, how that changes the position for you is that it actually reduces the investment fees, which is great. So you will save about $615 a year just from investment fees alone, which is pretty good. Yep. Yep.","start_word":721,"end_word":766,"sentiment":"positive","sentiment_score":0.5250032576529876},{"text":"Now when it comes to the return as well, change. So we're not making any changes to your risk profile. We are staying the same at growth. So not making any changes in there, literally just swapping some that was underperforming through some to put you in a better position moving forward. And by doing that as well, when we are looking at a three year rolling average period, your current portfolio has performed at about 7.78% over the last three years in our rolling average on a yearly basis. Yep. And the new recommended has performed at 13.85%. So it is about Okay.","start_word":767,"end_word":870,"sentiment":"neutral","sentiment_score":0.2070549726486206},{"text":"6<unk> better, which is pretty good.","start_word":871,"end_word":877,"sentiment":"positive","sentiment_score":0.3963759839534759},{"text":"Yeah. I wish I went to three years ago then. But the thing as well is that things are always changing in the market. So back then, it's obviously hard to know what's going to change and happen in the future. No one could predict, obviously, COVID or the war or what Trump's gonna do. So there is obviously Yep. a lot, but that's why this annual reviews are so important because it does give us a bit of a check-in to see, like, okay. Well, what's happened? How things change? And what do we wanna do moving forward to making sure that we have you in the best position? And that is going to change with time as, obviously, things things change for you, but then also, obviously, the market and the world itself.","start_word":878,"end_word":1012,"sentiment":"neutral","sentiment_score":0.02350455522537231},{"text":"And the really good thing with hub twenty four is there's hundreds and hundreds of different options for us to choose from that we can very quickly make a couple of changes for you.","start_word":1013,"end_word":1046,"sentiment":"positive","sentiment_score":0.386392205953598},{"text":"Okay.","start_word":1047,"end_word":1047,"sentiment":"neutral","sentiment_score":0.2731155455112457},{"text":"So, basically, overall, it is reducing your fees, which is great, and it is improving the returns, which is fantastic.","start_word":1048,"end_word":1067,"sentiment":"positive","sentiment_score":0.6012924909591675},{"text":"Now the one thing I do want to mention is that every time we do make investment changes, if we are selling an investment that has gone up, there will be capital gains tax. Now that does change a little bit on a daily when we're calculating it, and I've tried to minimize that as much as possible for you considering when I have made the changes in the investment.","start_word":1068,"end_word":1137,"sentiment":"neutral","sentiment_score":0.07516336441040039},{"text":"So by doing the changes, it will be roughly a $196, which which is really good.","start_word":1137,"end_word":1152,"sentiment":"positive","sentiment_score":0.4699994921684265},{"text":"So if we were to do a full sell down, so I completely switch everything, it would be about 3,066. Well, Yeah. So if you do see about a 196, that's the tax that come out. So try to minimize that as much as possible.","start_word":1153,"end_word":1197,"sentiment":"neutral","sentiment_score":0.07904766499996185},{"text":"So we're very happy with that.","start_word":1198,"end_word":1203,"sentiment":"positive","sentiment_score":0.6659414768218994},{"text":"We're still obviously trying to make sure we we swap out the ones that we do want to. Does that all make sense, Jamie, so far? yes. Yep. Definitely.","start_word":1204,"end_word":1232,"sentiment":"neutral","sentiment_score":0.13882003724575043},{"text":"Yeah. Great. Perfect.","start_word":1233,"end_word":1235,"sentiment":"positive","sentiment_score":0.5521762371063232},{"text":"Now, basically, everything I have touched on as well, it is outlined in words as well in the statement of advice so that you can have a read over it. And it outlines that from kind of, you know, why I did make the recommendation, all the alternatives I've mentioned, disadvantaged, so the the capital gains tax, for example, some risks to be mindful of, which is mainly, you know, that there are always a level of risk associated with any investment option. Okay. But also alternatives. So like I said, I considered other options for you. One of the ones I were considering was my North. But, again, the capital gains tax would be over 3,000 to do it, and it just wasn't worth making the change when I could do exactly the same in Hub 24 for you. Okay. Yep. Now when it comes to the actual investment changes, that is outlined on page 15 when you do have a moment to have a look at it. Excuse me. Now it is outlined in a table. It can look a little bit messy, but, basically, if you look at it, you will see investment name. It lists all your current investments along with the new ones I have recommended. It shows Okay. you as well a buy and sell table. Now everything in red is what we are selling. Everything in black is what we are either retaining or purchasing. Okay? Okay. Yep. Now it probably makes more sense when you're actually looking at the document. Yep. But, essentially, the the philosophy around how we construct the portfolio, nothing is changing in regards to that. We are still very much following that core and satellite approach to investment, which is that we do invest majority of the funds in the core, which kind of represents the backbone of your portfolio. So with that, you can see that these are kind of your largest shareholding because they are a little bit more diversified and a little bit safer in that way because they do have a lot of companies in it. So, for example, one of them is your iShares S and P five hundred.","start_word":1236,"end_word":1601,"sentiment":"neutral","sentiment_score":0.07984948820622811},{"text":"You already have that in your portfolio. It was doing really well.","start_word":1602,"end_word":1613,"sentiment":"positive","sentiment_score":0.5400893688201904},{"text":"And just for your reference, just with that one single investment, it does invest in the 500 largest companies listed in The US. So, obviously, very diversified for you. Yep. But what we have then swapped is your Bennelong one. That was the one that were was kind of underperforming a little bit. But we wanna also make sure that we do have some exposure to the Australian market. So I have swapped that one out for another one, which is called the BetaShares Australia two hundred. Now this one is a little bit cheaper than your Benelon, which is how we've managed to reduce those fees a little bit, but also has improved a performed a little bit better. But it is investing in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths.","start_word":1614,"end_word":1758,"sentiment":"neutral","sentiment_score":0.16899347305297852},{"text":"So, again, making sure we do do give you a very well diversified exposure.","start_word":1759,"end_word":1772,"sentiment":"positive","sentiment_score":0.4238097071647644},{"text":"All make sense so far? Yep. Yep. Yep.","start_word":1773,"end_word":1780,"sentiment":"neutral","sentiment_score":0.21339139342308044},{"text":"Loading. Perfect.","start_word":1781,"end_word":1782,"sentiment":"positive","sentiment_score":0.4498447179794311},{"text":"But then we obviously wanna make sure as well and, obviously, aside from your defensive so gold, for example, we are keeping that exposure for you.","start_word":1783,"end_word":1808,"sentiment":"neutral","sentiment_score":0.13640952110290527},{"text":"We are increasing it slightly from at the moment, you have about 7.7%, increasing that to about 10. It's been doing really good, and it's very good kind of stabilizer when we do seeing a bit of fluctuations in the market.","start_word":1809,"end_word":1849,"sentiment":"positive","sentiment_score":0.3514387607574463},{"text":"We very much wanna keep the gold in the portfolio, but also wanna keep fixed interest from making sure we drew limit fluctuations a little bit, I'm only at about 14%. So, again, the focus is to grow your super, but we do wanna have some of that defensive exposure to it as well. Yes. Okay. And when it comes to kind of the satellite investments, and these are the ones that's, you know, a little bit more specialized to tryna maximize that growth for you, but they can be a little bit more volatile, and that's why they only represent a smaller portion of your portfolio. So we don't wanna put too much in there, just a little bit to tryna take advantage of that. And part of that is we have about 5% invested in Japan, about 8% in Europe. We are keeping 5%, which you already have, in cybersecurity. And then we do have another one, which is 8% in one that's called Vanguard All World. You may have heard of Vanguard before. They are quite big. Yep. But this investment here, it excludes The US. So it invests all around the globe, but excluding The US because you already have exposure to The US in that iShares s and p 500, and we don't want you to have overexposure in one area either. So we wanna make Okay. sure we diversify things for you. Does that make sense? Yep. Perfectly. Yep. Yep.","start_word":1850,"end_word":2095,"sentiment":"neutral","sentiment_score":0.08737097547306277},{"text":"Perfect. That's great.","start_word":2096,"end_word":2098,"sentiment":"positive","sentiment_score":0.570143461227417},{"text":"And that is essentially the changes. So it's not drastic changes. It is literally swapping out some that, you know, we foresee maybe moving forward isn't going to put you in a good of a position. If we can change it based on all the market trends and everything that's going to happen that we foresee, then that's also part of our job.","start_word":2099,"end_word":2161,"sentiment":"neutral","sentiment_score":0.2575514614582062},{"text":"And that's why the under reviews are so important that we can update this and obviously keep you up to date with everything, recommend any changes, and then work with you to make sure that we have you in the best position and achieve your goals at the end of the day.","start_word":2162,"end_word":2213,"sentiment":"positive","sentiment_score":0.4131486117839813},{"text":"Yep. Okay. Yep. I've got a quick question. So does that change I've changed my retirement age from it used to be always at 60, but I've changed it to 67 Yep. in my latest interview I had from with you guys. And I was just wondering what my projected if just say it stays on course, what it's been performing at an average or what it's projected to be the Yeah. total amount from when I retire at 67. Yeah. So I have done now I typically only do about five and ten years projections, and that is just because there's so much that can change over a longer period of time as well. Yep. But if we do use a ten year time frame so that you can see that, on a ten year, with your current structure, like, if you decide, no. I don't wanna make any changes whatsoever, but, obviously, Yep. income and everything stays the same, you are projected to then be on track to have about four hundred and forty nine thousand five hundred and twelve in ten years. Okay. Now Continue. by make Okay. yeah. By making the change, you are then projected to have 738,509. So it is about 288,997 difference in ten years, which is pretty crazy. Okay. So it's roughly 200,000 in there now. So if I didn't make the change and I'm roughly putting 20 odd thousand in a year, so the projected amount I would have is just how much I've been super over that ten years anyway. There's no been no real So grossing at all. you still have fees and stuff coming out. So the return on the investment is about 7.78, but then bear in mind that you do have platform fees. You have insurances, advice fees. You have everything coming out of the account as well. So this factors Yeah. in all of it. But I get that. So yeah. It's like, it always really worth me being in such a fund that takes so much fees and investment. Like, so I could easy to put somewhere that charges you next to nothing, and I'd still be making the same amount of returns regardless. That's like Yeah. yeah.","start_word":2214,"end_word":2587,"sentiment":"neutral","sentiment_score":0.052699040940260504},{"text":"And that is an that is an excellent question, and that's what we factor in as well when it does come through different options.","start_word":2588,"end_word":2611,"sentiment":"positive","sentiment_score":0.3740449845790863},{"text":"So part of when I do the research is factoring in that, well, okay. Well, is moving through, let's say, not hub twenty four moving to, like, a standard industry fund where you don't have adviser fees and just like your Australian Super or QSuper or Australian Retirement Trust or anything like that. And, also, Yep. what we see is, yes, sometimes the fees are cheaper, not always. The platform Yep. fees now, obviously, you don't typically have a device for fees, so that makes a difference. So fee wise can be a bit cheaper, but we usually cannot risk like, we cannot achieve the same return. So, yes, fees are a little bit cheaper, but with the limited investment choices, we don't have the same flexibility of what we can actually choose for you to be invested in, which limits what we can do.","start_word":2612,"end_word":2756,"sentiment":"neutral","sentiment_score":0.007516451276324946},{"text":"Thank So you.","start_word":2757,"end_word":2759,"sentiment":"positive","sentiment_score":0.3622116446495056},{"text":"when we do the research, we we have found I haven't found another option for you. When I did the research, that would produce as good of an outcome when it comes to return. So part of Yep. the best interest is making sure, well, if you are paying for more in fees, you obviously need to make sure that you have other areas that then would negate it. So net of everything, you are in a better position. Yeah. Yeah. That makes sense then. Because remember when they first got me to come Exactly. across over four years ago, they said, oh, you can retire at 16. You'll have $7,800,000. That was, like, four years ago when I come across. Now four years later, if I stayed where I am, it's, like, 450,000, you're saying, if you make those changes. So it's like If we yeah. yeah. If if say to us that that was the original ones they put on before. So it's, like, in that four years, besides my contributions and then minus fees and everything else, it's not really performing that well at all, Yeah. And like, compared and it to is yeah. And, obviously, yeah. as well, because every time you do when you do compare returns as well, it's using historical historical performance. And, obviously, Yep. like, you know, four, five years ago, things were looking a bit different, and that is why it is good to redo this all the time. And that's usually why I do like to do about five and ten years because so much are changing all the time, and I would Yep. rather have a more more realistic outcome. Now, again, you can't guarantee. We can't guarantee what's going to happen. Who knows what's going to happen in the world? But that is also Yep. why we try to diversify the portfolio as much as possible so that if something happens to one area, not everything's affected. Now sometimes what happens Yep. in your standard industry funds is that you still sometimes have different options, but it's very limited. So instead of having hundreds of different choices, it's usually, like, 10 to maybe 20 choices. And how Yep. it typically works as well is that you invest typically in just one option, and you then have a fund manager within that company just deciding Yep. what goes in and out of the portfolio. Now you don't actually have oversight of what you are invested in aside from the name. They just decide what goes in and out, and you don't know. So it's also Yeah. when it comes to that, it it's harder to get an understanding because there could be investments you don't agree with. There could be, you know, other things as well. But, again, also part of what we do is we also with your changes, and the closer you get to retirement is, well, we want to potentially make changes. So when if there is a bit of a bump in the market or fluctuations, we don't have you in a high risk portfolio by the time you are two, three years out from retirement. Because if it did happen in the market then, you don't potentially have the time to recoup everything.","start_word":2760,"end_word":3308,"sentiment":"neutral","sentiment_score":0.010375334525002482},{"text":"So we do Yep.","start_word":3309,"end_word":3312,"sentiment":"positive","sentiment_score":0.3615061640739441},{"text":"work with you in slightly reducing the risk the older you get and closer to retirement. Whereas other industry funds, they would just leave you be, and you just say that you just have to change anything if you do want it. Yep. So Yep. it does work different, but I do understand what you mean that you have to obviously make sure that the fees outweighs the performance that you are getting. Because otherwise, yeah, what's the point? And that is what we have to follow all the time when it comes to that best interest you do, which is if I did Yeah. research and I found, Yep. well, you're moving through or through, but let's say, it was going to put you in a better position and not have advice for you, then I would recommend that. Like, I just get a salary from Oakview. So, like, there's nothing.","start_word":3313,"end_word":3464,"sentiment":"neutral","sentiment_score":0.13285057580000476},{"text":"I just do whatever is best for you at the end of the day, and I wanna make sure I can work with you to achieve your goals.","start_word":3465,"end_word":3492,"sentiment":"positive","sentiment_score":0.42199820280075073},{"text":"But if you are not happy and you want to, you know, go elsewhere, at the end of the day, that that that is completely up to you.","start_word":3493,"end_word":3520,"sentiment":"neutral","sentiment_score":-0.0904705673456192},{"text":"My job is to work with you Yep. to make sure I can put you in the best position, also have help Yep.","start_word":3521,"end_word":3543,"sentiment":"positive","sentiment_score":0.48658445477485657},{"text":"obviously educate you and everything like that, and working alongside you. Okay. Now, well, I'm yeah. What I'll do is I'll leave it for another year or two and see how the next twelve months, twenty four months perform. But, Yes. yeah, if it's like it's like how the last four have, then I'm probably more inclined to change things up.","start_word":3544,"end_word":3604,"sentiment":"neutral","sentiment_score":0.0964697003364563},{"text":"But And that is totally fair, and that is completely good. up to you at the end of the day as well Yep.","start_word":3605,"end_word":3627,"sentiment":"positive","sentiment_score":0.4647863209247589},{"text":"because it's it's not a locking contract in any way. Yep. Now just for your reference, let me see here. I just had a quick look at your SOA, the original one when you came on board. And at that time, the five year projection was showing a 190,440. That was five years projected from 2022. That was in April 2022. Yep. And at the moment, you have a hundred and eighty eight thousand seven hundred and fifteen. Yep. So After you're four act weeks. exactly.","start_word":3628,"end_word":3713,"sentiment":"neutral","sentiment_score":0.09504931420087814},{"text":"So you're actually doing pretty much what we anticipated then.","start_word":3714,"end_word":3723,"sentiment":"positive","sentiment_score":0.37364983558654785},{"text":"Now, obviously, a things do change. So, obviously, contributions, your income would have gone up, insurance premiums become more expensive, and stuff like that. But it's you Yep. are kind of at least on track for how things were going. But, again, everything does change, which is why this is so important.","start_word":3724,"end_word":3775,"sentiment":"neutral","sentiment_score":0.04334710968228487},{"text":"And, again, at the end of the day, it is completely up to you. By doing the changes, I do believe it's very much going to put you in the best position.","start_word":3776,"end_word":3807,"sentiment":"positive","sentiment_score":0.5229553580284119},{"text":"But if you said in in a year's time or two years' time, you haven't really seen the outcome, then at the end Yep. of the day, it's completely up to you. There is no lock in contract. There's no excess fees or anything like that. So it is completely up to you.","start_word":3808,"end_word":3860,"sentiment":"neutral","sentiment_score":0.15726645290851593},{"text":"But, obviously, yeah, our job is just to make sure we put you in the best position and wanna make sure you are happy.","start_word":3861,"end_word":3884,"sentiment":"positive","sentiment_score":0.5376731157302856},{"text":"Okay. Does Got that it? answer That's all that my question? yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yep. Yeah. No. Yes.","start_word":3885,"end_word":3905,"sentiment":"neutral","sentiment_score":0.0652003213763237},{"text":"Beautiful. Good question.","start_word":3906,"end_word":3908,"sentiment":"positive","sentiment_score":0.43560266494750977},{"text":"Now the last thing I do wanna mention is, obviously, with the fee structure, no changes whatsoever. This is all part of the ongoing advice fee.","start_word":3909,"end_word":3934,"sentiment":"neutral","sentiment_score":0.14830881357192993},{"text":"So if you do, you know, are happy to go ahead with the change in those investments.","start_word":3935,"end_word":3951,"sentiment":"positive","sentiment_score":0.3456666171550751},{"text":"From here, like I said, no changes in the fee structure. All part of the advice fee. How to kind of move forward is when you do have a moment, have a read through the email. If you have any questions, let me know or give me a call. If not, if you are happy with the changes at the moment, then you would just need to sign those documents, or you can do it digitally same as last time.","start_word":3952,"end_word":4031,"sentiment":"neutral","sentiment_score":0.1527923047542572},{"text":"Once you have signed it, it will then come back to me, and I can let the team know that we'll go ahead and make these investment changes for you.","start_word":4032,"end_word":4061,"sentiment":"positive","sentiment_score":0.34782904386520386},{"text":"And every under Yep. review as well, we can do a bit of an update a bit more in-depth for you as well. So not just, hey. How are you going? Where are things at? We can do kind of updated projections and kind of talk you through where things are going to give you a little bit Yep.","start_word":4062,"end_word":4120,"sentiment":"neutral","sentiment_score":0.18254357980469527},{"text":"more of that reassurance as well. We can definitely do that. Okay. Great. Well, yeah, Yep.","start_word":4121,"end_word":4136,"sentiment":"positive","sentiment_score":0.4407467544078827},{"text":"I'll get to work in about five minutes, and I'll have Yeah. a read through. And I'll yeah.","start_word":4137,"end_word":4154,"sentiment":"neutral","sentiment_score":0.22312241792678833},{"text":"I'll go through it from there. Beautiful. Thank you so much for your time today, Jamie. And like I said, any other questions or anything else that you do need, don't hesitate to give me a call. Thank you. Have a good day. No problem. You too.","start_word":4155,"end_word":4201,"sentiment":"positive","sentiment_score":0.5492404699325562},{"text":"We'll speak soon. Bye. Bye.","start_word":4202,"end_word":4206,"sentiment":"neutral","sentiment_score":0.2421155422925949}],"average":{"sentiment":"neutral","sentiment_score":0.14097715475726455}}}}