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Just a bit of a catch up to see, after I did some research on your super investment. Is now still a good time? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just your password on file for security, please. Yep. Beautiful. Now before I do jump into it, I did wanted to see if you've had a chance to speak to your bank, how you went with that, or maybe not yet. No. That's fine. That's all good. When you do, though, like I said last time, if it is that you want more opinion, just let me know, and I can always get the mortgage broker to reach out. No rush, though, obviously. Just just let us know if it is something you are interested in. Yep. Perfect. Now do you have access to your emails at the moment or not really right now? Okay. Beautiful. So what I have done is I have to send you an email with the documents to go through if you have an option to bring that up for me. Yeah. Perfect. I was going to say it'll be a little bit slower because I've had because there's a bit of a storm happening here, so it's been a little bit slower, but it looks like you got it right away. So that's good. Now every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in a statement of advice for you to make sure you fully understand everything. A lot of it is for compliances, so you will save 28 pages. I won't go through all of that because, otherwise, I keep it for a while and pretty straightforward today. So I will just touch on the main things, and then you're more than welcome to have a look through and read the document. It is pretty straightforward today. Otherwise, it is tailored specifically for you. Now on the cover page there, you should see my details. You'll also see my authorized representative number, and I am licensed under OQ Financial. And I do wanna let you know as well that on page two, it outlines the best interest duty. Do you remember hearing about that at all before? Best interest duty? No. That's okay. Essentially, what it means is that we have to act in your best interest at all time, and the adviser self has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. But, essentially, it's just that in place to protect you and making sure that we do what we do does put you in a better position in the line with your goals, essentially. Does that make sense? Yeah. Beautiful. Now what I will get you to do is just to kind of scroll through till page. Let me see here. Page 18 for me. Now as you scroll through, you will see some some information about you. Just from the fax line, you'll also see some general stuff in regards to your risk profile. We're not making any changes to that. We are keeping you within the growth profile. It's not taking on any more risk or anything like that. It is Yeah. Or okay. So you are probably in the appendix. Sorry. I should have clarified that. If you click on the link where it says sign now, it will actually take you through the document, and it will allow you to view it first. Yes. No. Apologies. That is the appendix where the research goes. So you're probably like, Yes. I'm glad you said something. And I'll just say, yeah. Yeah. Yeah. And then at the end, you're like, what is she talking about? No. Yes. Sorry. Mhmm. Okay. Yep. No. Not really. The only reason is if we were looking at changing your insurances and more so increasing cover. So the good thing with the type of cover that you I'll just make a note on our end just for our reference just so we know, but it doesn't change. No. And it it is good to tell, but in terms of your advice, it doesn't change anything. The good thing is because you already have your insurance that's in place. That's great. Because anything that would happen after you got your policy enforced so high blood pressure, it's super common. A lot of people have it in generally, after a while with medication, it's all managed. So it's not a big thing for insurance anyway. No. Yeah. It's fine. The only reason is sometimes if it's like a when were you diagnosed? When did you get the diagnosis? Do you remember? No. Okay. Cool. Sometimes, if if you were to tell me, hey. I wanna increase my cover. I want a million dollars worth of life in TPD. I would then say, okay. Well, the insurance might not like it right now because it's so new. So often when you've been on the medication for a couple of months and everything is, you know, under control, the doctor's happy, we could then look to do it. It's just a bit new. If you wanted to think, no. No. No. No. Definitely not. And that's good. I will make a note just in your your fax line, but no. I don't need to change any insurances or anything. And you are feeling okay otherwise? Yeah. Yeah. Beautiful. And it's so common. Show them to people. Same with high high cholesterol. It's like almost every second person person. Yeah. It's yeah. It happens. Who doesn't? Exactly. It's just whether it's diagnosed or not. But now yes. Sorry. If you could scroll to page 18, I believe I told you. Let me see. This just outlines the recommendations. I'll just touch on this here because it's usually a lot easier to see it. What I am saying is that it's outlining words further up for you and outlines everything, you know, a little bit more detail. But, essentially, what I have recommended is stay in Hub twenty four and literally change one investment only. So it is very straightforward. As part of the research, so I did look at Hub twenty four, just making sure it's still going to be the best option for you or if there was any new products or features out there that was going to be better for you. Because it is good for us to continuously do that research because things are always changing. At the moment, though, Hub twenty four is still very competitive. I use Hub twenty four for my personal super as well. It's very competitive when it comes through the the prices, but also investment choices and flexibility. So I have recommended staying Hub twenty four for now and literally just change one investment. Fees or contributions or anything like that. Literally just one investment. But this here shows you from the number side of it how that one investment actually changes it. So you will see with the total cost, kind of at the under the is that sorry. Yeah. Yeah. Exactly. So you will see that by making that one investment change, and it's literally just one change, which is the Benelon who was underperforming a little bit through another option, it is saving about $333 in fees a year, which is pretty good. Yeah. Now in terms of returns as well, I have listed the five year rolling average under there for you as well, which also shows you that over the last five year on a rolling basis as the recommended portfolio with that one investment change again has outperformed the change for you. So, again, it is making the performance a little bit better. It's also making it cheaper. And the good thing is as well that there is no capital gains tax with making that one investment change. So there's no tax or anything like that, which is fantastic. Now on the next page, which is page 19, it, yep, it then shows you as well five, ten, and thirteen years for you, a bit of a projection so that you can see it. Now, obviously, you can't never guarantee what's going to happen with the market and the world, but that is also why we use the five year rolling average when we are using projections to give you a little bit more certainty of of what happened. So it does make a pretty big difference just by what making one switch, essentially. Yeah. And underneath that as well, you will then also see I've outlined a bit more on the return for you. So I've done the three years, five years, and the ten years. And you can see as well that for all the all the periods, the recommended has outperformed again, which is good. Now what that actually looks like in terms of the investment is if you wanna scroll up to page 17 for me first, and you can you see, like, a pie chart with an asset allocation table? Yep. Perfect. Now this just shows you that that risk profile, that growth I mentioned. So you'll have your risk profile, which is that eighty twenty allocation, 80 to growth 20 to defensive. You'll have your existing and your proposed. And you can say between existing and proposed, there is literally no changes because we are changing one Australian equity for another Australian equity. So there's no increased risk or anything like that. Yep. Beautiful. And then if you wanna scroll up to page 15 for me. Now what you'll see here is a bit of an investment table. Now what you see in red at the top is what we are selling. So as you can see, there's usually just one switch, which is selling phenolong. Everything else stays the same. And at the bottom of that table, you will have the BetaShares Australia two 100. That is what we are switching it for. So it is swapping one Australian investment for another one because we still wanna make sure that you do have exposure to the Australian market. We don't want everything just like COVID. We wanna make sure it is diversified for you. So it is literally changing that. But instead of the it's like that kind of active management where they're trying to actively buy and sell different investments a bit more frequently in order to outperform the market, which is why they come at a little bit more expensive. The BetaShares Australia 200, it literally follows and tracks as the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets in the 200, it will add it to the list. If something gets smaller, it comes out. So because of that, it kind of makes it a bit easier and smoother for tracking purposes, a little bit less fluctuations as well, and that price is a little bit cheaper as well. Does that make sense? Yeah. Perfect. And that is essentially all the changes. I did consider, yeah, I did consider changing some of the other ones as well for you. But every time we did have a little bit play around with it, the other investments are doing good and it works together as a portfolio. And the only one that we were kind of looking at changing that was underperforming was the Ben along which we have exact exactly. Now if you do wanna scroll down to page 23 for me. Yep. Perfect. It just outlines the fee again for you. Now there is no additional fees and charges. Kind of like I mentioned last time, it stays exactly the same. So if you are happy and you wanna go ahead with this one investment change there, Lauren, no additional fees. It's all part of the ongoing fee. Again, it stays exactly the same at 1.65, but no changes in regards through that. Now we have also listed underneath it your Neos insurances. Now I do wanna let you know that that is not you paying those. That is Neos. But for compliance purposes, we have to disclose any commissions we do receive so you are fully aware That is 23% of the premium, and that is Neos paying us, like I said, and not you paying us. And it is the same, yeah, it is the same for every single insurer out there. So it doesn't sway us in any way to, like, recommend one provider over the other. It's the same for every single provider and for every single adviser. Does that make sense? Yeah. Beautiful. And that was essentially everything. So very nice and easy and quick one today. So do you have any questions in regards to that, or what are your thoughts on that? No? Yeah. Beautiful. So, basically, from here is if you are happy to go ahead with the investment change, to move forward, it would then be to press sign or start, and it will prompt you to add a signature. Sometimes it will take you to a text box as well. It is just there if you would like to make a variation. Because we're just making one variation today, pretty straightforward, but it is more if if there was anything that you're like, yeah. No. I wanna do this or I don't wanna do this. This is where it would allow you to type anything. Sometimes you have to type something. You could just do NA or full stop if you're happy with it. Once you've then added the signature and the date, when you press validate, it will then send it back to me. And that tells me that you're happy with the change. And I will let the team know, and we can go ahead and make that change. But if you do wanna take some time, have a read over the document. You do have a bit of time as well. So it is completely up to you when you have time and what you would like to do as well, Lauren. Exactly. Yeah. Just that one investment change. Yep. So the tech spot. Yeah. Yep. And they start like or full stop. Just anything really. Yeah. Because, yeah, usually, sometimes that's like a little little hold up. Like, sometimes it it's technology's great when it works, but sometimes it drives you crazy. And, yeah, amazing. I can already see it's come through on my end, so it's nice and quick. So I will let the the team know. We'll just go ahead and make that one investment change for you. Like I said, if there's anything else that you need at any point in time, though, let me know. Let me know if you do want the mortgage broker or anything to give you a call to assess any rates. Just let me know, obviously, how you're going. If you wanna catch up at any point in time, just let me know. I'm always there. Yeah. No problem at all. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again. No problem. We'll speak soon. 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afternoon. This is Ranga from OQ Financial. How are you? That's good. I had your booked in for us pretty quick today.\n\nJust a bit of a catch up to see, after I did some research on your super investment. Is now still a good time? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just your password on file for security, please. Yep. Beautiful. Now before I do jump into it, I did wanted to see if you've had a chance to speak to your bank, how you went with that, or maybe not yet.\n\nNo. That's fine. That's all good. When you do, though, like I said last time, if it is that you want more opinion, just let me know, and I can always get the mortgage broker to reach out. No rush, though, obviously.\n\nJust just let us know if it is something you are interested in. Yep. Perfect. Now do you have access to your emails at the moment or not really right now? Okay.\n\nBeautiful. So what I have done is I have to send you an email with the documents to go through if you have an option to bring that up for me. Yeah. Perfect. I was going to say it'll be a little bit slower because I've had because there's a bit of a storm happening here, so it's been a little bit slower, but it looks like you got it right away.\n\nSo that's good. Now every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in a statement of advice for you to make sure you fully understand everything. A lot of it is for compliances, so you will save 28 pages. I won't go through all of that because, otherwise, I keep it for a while and pretty straightforward today. So I will just touch on the main things, and then you're more than welcome to have a look through and read the document.\n\nIt is pretty straightforward today. Otherwise, it is tailored specifically for you. Now on the cover page there, you should see my details. You'll also see my authorized representative number, and I am licensed under OQ Financial. And I do wanna let you know as well that on page two, it outlines the best interest duty.\n\nDo you remember hearing about that at all before? Best interest duty? No. That's okay. Essentially, what it means is that we have to act in your best interest at all time, and the adviser self has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. But, essentially, it's just that in place to protect you and making sure that we do what we do does put you in a better position in the line with your goals, essentially. Does that make sense? Yeah. Beautiful.\n\nNow what I will get you to do is just to kind of scroll through till page. Let me see here. Page 18 for me. Now as you scroll through, you will see some some information about you. Just from the fax line, you'll also see some general stuff in regards to your risk profile.\n\nWe're not making any changes to that. We are keeping you within the growth profile. It's not taking on any more risk or anything like that. It is Yeah. Or okay.\n\nSo you are probably in the appendix. Sorry. I should have clarified that. If you click on the link where it says sign now, it will actually take you through the document, and it will allow you to view it first. Yes.\n\nNo. Apologies. That is the appendix where the research goes. So you're probably like, Yes. I'm glad you said something.\n\nAnd I'll just say, yeah. Yeah. Yeah. And then at the end, you're like, what is she talking about? No.\n\nYes. Sorry. Mhmm. Okay. Yep.\n\nNo. Not really. The only reason is if we were looking at changing your insurances and more so increasing cover. So the good thing with the type of cover that you I'll just make a note on our end just for our reference just so we know, but it doesn't change. No.\n\nAnd it it is good to tell, but in terms of your advice, it doesn't change anything. The good thing is because you already have your insurance that's in place. That's great. Because anything that would happen after you got your policy enforced so high blood pressure, it's super common. A lot of people have it in generally, after a while with medication, it's all managed.\n\nSo it's not a big thing for insurance anyway. No. Yeah. It's fine. The only reason is sometimes if it's like a when were you diagnosed?\n\nWhen did you get the diagnosis? Do you remember? No. Okay. Cool.\n\nSometimes, if if you were to tell me, hey. I wanna increase my cover. I want a million dollars worth of life in TPD. I would then say, okay. Well, the insurance might not like it right now because it's so new.\n\nSo often when you've been on the medication for a couple of months and everything is, you know, under control, the doctor's happy, we could then look to do it. It's just a bit new. If you wanted to think, no. No. No.\n\nNo. Definitely not. And that's good. I will make a note just in your your fax line, but no. I don't need to change any insurances or anything.\n\nAnd you are feeling okay otherwise? Yeah. Yeah. Beautiful. And it's so common.\n\nShow them to people. Same with high high cholesterol. It's like almost every second person person. Yeah. It's yeah.\n\nIt happens. Who doesn't? Exactly. It's just whether it's diagnosed or not. But now yes.\n\nSorry. If you could scroll to page 18, I believe I told you. Let me see. This just outlines the recommendations. I'll just touch on this here because it's usually a lot easier to see it.\n\nWhat I am saying is that it's outlining words further up for you and outlines everything, you know, a little bit more detail. But, essentially, what I have recommended is stay in Hub twenty four and literally change one investment only. So it is very straightforward. As part of the research, so I did look at Hub twenty four, just making sure it's still going to be the best option for you or if there was any new products or features out there that was going to be better for you. Because it is good for us to continuously do that research because things are always changing.\n\nAt the moment, though, Hub twenty four is still very competitive. I use Hub twenty four for my personal super as well. It's very competitive when it comes through the the prices, but also investment choices and flexibility. So I have recommended staying Hub twenty four for now and literally just change one investment. Fees or contributions or anything like that.\n\nLiterally just one investment. But this here shows you from the number side of it how that one investment actually changes it. So you will see with the total cost, kind of at the under the is that sorry. Yeah. Yeah.\n\nExactly. So you will see that by making that one investment change, and it's literally just one change, which is the Benelon who was underperforming a little bit through another option, it is saving about $333 in fees a year, which is pretty good. Yeah. Now in terms of returns as well, I have listed the five year rolling average under there for you as well, which also shows you that over the last five year on a rolling basis as the recommended portfolio with that one investment change again has outperformed the change for you. So, again, it is making the performance a little bit better.\n\nIt's also making it cheaper. And the good thing is as well that there is no capital gains tax with making that one investment change. So there's no tax or anything like that, which is fantastic. Now on the next page, which is page 19, it, yep, it then shows you as well five, ten, and thirteen years for you, a bit of a projection so that you can see it. Now, obviously, you can't never guarantee what's going to happen with the market and the world, but that is also why we use the five year rolling average when we are using projections to give you a little bit more certainty of of what happened.\n\nSo it does make a pretty big difference just by what making one switch, essentially. Yeah. And underneath that as well, you will then also see I've outlined a bit more on the return for you. So I've done the three years, five years, and the ten years. And you can see as well that for all the all the periods, the recommended has outperformed again, which is good.\n\nNow what that actually looks like in terms of the investment is if you wanna scroll up to page 17 for me first, and you can you see, like, a pie chart with an asset allocation table? Yep. Perfect. Now this just shows you that that risk profile, that growth I mentioned. So you'll have your risk profile, which is that eighty twenty allocation, 80 to growth 20 to defensive.\n\nYou'll have your existing and your proposed. And you can say between existing and proposed, there is literally no changes because we are changing one Australian equity for another Australian equity. So there's no increased risk or anything like that. Yep. Beautiful.\n\nAnd then if you wanna scroll up to page 15 for me. Now what you'll see here is a bit of an investment table. Now what you see in red at the top is what we are selling. So as you can see, there's usually just one switch, which is selling phenolong. Everything else stays the same.\n\nAnd at the bottom of that table, you will have the BetaShares Australia two 100. That is what we are switching it for. So it is swapping one Australian investment for another one because we still wanna make sure that you do have exposure to the Australian market. We don't want everything just like COVID. We wanna make sure it is diversified for you.\n\nSo it is literally changing that. But instead of the it's like that kind of active management where they're trying to actively buy and sell different investments a bit more frequently in order to outperform the market, which is why they come at a little bit more expensive. The BetaShares Australia 200, it literally follows and tracks as the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets in the 200, it will add it to the list. If something gets smaller, it comes out.\n\nSo because of that, it kind of makes it a bit easier and smoother for tracking purposes, a little bit less fluctuations as well, and that price is a little bit cheaper as well. Does that make sense? Yeah. Perfect. And that is essentially all the changes.\n\nI did consider, yeah, I did consider changing some of the other ones as well for you. But every time we did have a little bit play around with it, the other investments are doing good and it works together as a portfolio. And the only one that we were kind of looking at changing that was underperforming was the Ben along which we have exact exactly. Now if you do wanna scroll down to page 23 for me. Yep.\n\nPerfect. It just outlines the fee again for you. Now there is no additional fees and charges. Kind of like I mentioned last time, it stays exactly the same. So if you are happy and you wanna go ahead with this one investment change there, Lauren, no additional fees.\n\nIt's all part of the ongoing fee. Again, it stays exactly the same at 1.65, but no changes in regards through that. Now we have also listed underneath it your Neos insurances. Now I do wanna let you know that that is not you paying those. That is Neos.\n\nBut for compliance purposes, we have to disclose any commissions we do receive so you are fully aware That is 23% of the premium, and that is Neos paying us, like I said, and not you paying us. And it is the same, yeah, it is the same for every single insurer out there. So it doesn't sway us in any way to, like, recommend one provider over the other. It's the same for every single provider and for every single adviser. Does that make sense?\n\nYeah. Beautiful. And that was essentially everything. So very nice and easy and quick one today. So do you have any questions in regards to that, or what are your thoughts on that?\n\nNo? Yeah. Beautiful. So, basically, from here is if you are happy to go ahead with the investment change, to move forward, it would then be to press sign or start, and it will prompt you to add a signature. Sometimes it will take you to a text box as well.\n\nIt is just there if you would like to make a variation. Because we're just making one variation today, pretty straightforward, but it is more if if there was anything that you're like, yeah. No. I wanna do this or I don't wanna do this. This is where it would allow you to type anything.\n\nSometimes you have to type something. You could just do NA or full stop if you're happy with it. Once you've then added the signature and the date, when you press validate, it will then send it back to me. And that tells me that you're happy with the change. And I will let the team know, and we can go ahead and make that change.\n\nBut if you do wanna take some time, have a read over the document. You do have a bit of time as well. So it is completely up to you when you have time and what you would like to do as well, Lauren. Exactly. Yeah.\n\nJust that one investment change. Yep. So the tech spot. Yeah. Yep.\n\nAnd they start like or full stop. Just anything really. Yeah. Because, yeah, usually, sometimes that's like a little little hold up. Like, sometimes it it's technology's great when it works, but sometimes it drives you crazy.\n\nAnd, yeah, amazing. I can already see it's come through on my end, so it's nice and quick. So I will let the the team know. We'll just go ahead and make that one investment change for you. Like I said, if there's anything else that you need at any point in time, though, let me know.\n\nLet me know if you do want the mortgage broker or anything to give you a call to assess any rates. Just let me know, obviously, how you're going. If you wanna catch up at any point in time, just let me know. I'm always there. Yeah.\n\nNo problem at all. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again. No problem. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.28754132986068726},{"text":"This is Ranga from OQ Financial.","start":2.8,"end":4.58,"sentiment":"neutral","sentiment_score":0.26108328998088837},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.19335771600405374},{"text":"That's good.","start":7.04,"end":7.94,"sentiment":"positive","sentiment_score":0.7050495147705078},{"text":"I had your booked in for us pretty quick today.","start":8.72,"end":11.3,"sentiment":"positive","sentiment_score":0.4559355050325394}],"sentiment":"positive","sentiment_score":0.37787433162979456,"num_words":23,"start":2.1599998,"end":11.3},{"sentences":[{"text":"Just a bit of a catch up to see, after I did some research on your super investment.","start":11.599999,"end":15.94,"sentiment":"neutral","sentiment_score":0.19258364786704382},{"text":"Is now still a good time?","start":16.135,"end":17.595001,"sentiment":"neutral","sentiment_score":0.1590332252283891},{"text":"Yep.","start":18.455,"end":18.935001,"sentiment":"neutral","sentiment_score":0.2072550505399704},{"text":"Perfect.","start":18.935001,"end":19.435001,"sentiment":"positive","sentiment_score":0.37807947397232056},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.815,"end":26.875,"sentiment":"neutral","sentiment_score":0.03111281136757341}],"sentiment":"neutral","sentiment_score":0.10742383758452806,"num_words":55,"start":11.599999,"end":26.875},{"sentences":[{"text":"Perfect.","start":28.39,"end":28.89,"sentiment":"neutral","sentiment_score":0.2805376648902893},{"text":"And just your password on file for security, please.","start":28.949999,"end":31.61,"sentiment":"neutral","sentiment_score":0.10127835058503681},{"text":"Yep.","start":33.19,"end":33.67,"sentiment":"neutral","sentiment_score":0.1714790314435959},{"text":"Beautiful.","start":33.67,"end":34.17,"sentiment":"positive","sentiment_score":0.38483744859695435},{"text":"Now before I do jump into it, I did wanted to see if you've had a chance to speak to your bank, how you went with that, or maybe not yet.","start":35.27,"end":44.894997,"sentiment":"neutral","sentiment_score":0.028908076966481823}],"sentiment":"neutral","sentiment_score":0.06150022525946761,"num_words":43,"start":28.39,"end":44.894997},{"sentences":[{"text":"No.","start":46.234997,"end":46.394997,"sentiment":"neutral","sentiment_score":-0.04813240468502045},{"text":"That's fine.","start":46.394997,"end":47.214996,"sentiment":"neutral","sentiment_score":0.013342037331312895},{"text":"That's all good.","start":48.635,"end":49.515,"sentiment":"neutral","sentiment_score":0.3323502540588379},{"text":"When you do, though, like I said last time, if it is that you want more opinion, just let me know, and I can always get the mortgage broker to reach out.","start":49.515,"end":57.829998,"sentiment":"neutral","sentiment_score":0.06327109481208026},{"text":"No rush, though, obviously.","start":59.01,"end":60.05,"sentiment":"neutral","sentiment_score":0.05472763814032078}],"sentiment":"neutral","sentiment_score":0.07664733377861835,"num_words":42,"start":46.234997,"end":60.05},{"sentences":[{"text":"Just just let us know if it is something you are interested in.","start":60.05,"end":62.71,"sentiment":"neutral","sentiment_score":0.07439267520721142},{"text":"Yep.","start":63.73,"end":64.21,"sentiment":"neutral","sentiment_score":0.07681003957986832},{"text":"Perfect.","start":64.21,"end":64.71,"sentiment":"neutral","sentiment_score":0.17413142323493958},{"text":"Now do you have access to your emails at the moment or not really right now?","start":65.409996,"end":69.09,"sentiment":"neutral","sentiment_score":-0.002198018366470933},{"text":"Okay.","start":69.09,"end":69.435,"sentiment":"neutral","sentiment_score":0.11032949388027193}],"sentiment":"neutral","sentiment_score":0.04041273251641542,"num_words":32,"start":60.05,"end":69.435},{"sentences":[{"text":"Beautiful.","start":69.674995,"end":70.174995,"sentiment":"neutral","sentiment_score":0.275075227022171},{"text":"So what I have done is I have to send you an email with the documents to go through if you have an option to bring that up for me.","start":70.634995,"end":78.655,"sentiment":"neutral","sentiment_score":0.10822933837771416},{"text":"Yeah.","start":82.81,"end":83.31,"sentiment":"neutral","sentiment_score":0.08707422763109207},{"text":"Perfect.","start":83.369995,"end":83.869995,"sentiment":"neutral","sentiment_score":0.15532968938350675},{"text":"I was going to say it'll be a little bit slower because I've had because there's a bit of a storm happening here, so it's been a little bit slower, but it looks like you got it right away.","start":84.17,"end":92.409996,"sentiment":"neutral","sentiment_score":0.022266866304935552}],"sentiment":"neutral","sentiment_score":0.06434398723973168,"num_words":72,"start":69.674995,"end":92.409996},{"sentences":[{"text":"So that's good.","start":92.409996,"end":93.229996,"sentiment":"neutral","sentiment_score":0.2182992547750473},{"text":"Now every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in a statement of advice for you to make sure you fully understand everything.","start":95.784996,"end":106.505,"sentiment":"neutral","sentiment_score":0.050748292293671206},{"text":"A lot of it is for compliances, so you will save 28 pages.","start":106.505,"end":110.19,"sentiment":"neutral","sentiment_score":0.2021693346592096},{"text":"I won't go through all of that because, otherwise, I keep it for a while and pretty straightforward today.","start":110.25,"end":114.090004,"sentiment":"positive","sentiment_score":0.34415251644034134},{"text":"So I will just touch on the main things, and then you're more than welcome to have a look through and read the document.","start":114.090004,"end":119.61,"sentiment":"positive","sentiment_score":0.45799275239308673}],"sentiment":"neutral","sentiment_score":0.23832380533965894,"num_words":95,"start":92.409996,"end":119.61},{"sentences":[{"text":"It is pretty straightforward today.","start":119.61,"end":121.23,"sentiment":"positive","sentiment_score":0.5715070366859436},{"text":"Otherwise, it is tailored specifically for you.","start":122.325,"end":124.805,"sentiment":"positive","sentiment_score":0.3615405942712511},{"text":"Now on the cover page there, you should see my details.","start":124.805,"end":127.784996,"sentiment":"neutral","sentiment_score":0.19288787110285324},{"text":"You'll also see my authorized representative number, and I am licensed under OQ Financial.","start":127.845,"end":132.985,"sentiment":"neutral","sentiment_score":0.19705003606421606},{"text":"And I do wanna let you know as well that on page two, it outlines the best interest duty.","start":134.18001,"end":139.24,"sentiment":"neutral","sentiment_score":0.16582029116781136}],"sentiment":"neutral","sentiment_score":0.23963164218834468,"num_words":56,"start":119.61,"end":139.24},{"sentences":[{"text":"Do you remember hearing about that at all before?","start":140.02,"end":142.28,"sentiment":"neutral","sentiment_score":0.03153183124959469},{"text":"Best interest duty?","start":144.02,"end":145.8,"sentiment":"neutral","sentiment_score":-0.046217843890190125},{"text":"No.","start":149.80501,"end":150.125,"sentiment":"neutral","sentiment_score":-0.16489173471927643},{"text":"That's okay.","start":150.125,"end":150.945,"sentiment":"neutral","sentiment_score":-0.005757763981819153},{"text":"Essentially, what it means is that we have to act in your best interest at all time, and the adviser self has to put you in a better position as a result of the advice.","start":151.565,"end":161.825,"sentiment":"neutral","sentiment_score":0.14319067533527102}],"sentiment":"neutral","sentiment_score":0.09960798647254705,"num_words":50,"start":140.02,"end":161.825},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":162.26,"end":164.12,"sentiment":"neutral","sentiment_score":-0.0609612049801009},{"text":"But, essentially, it's just that in place to protect you and making sure that we do what we do does put you in a better position in the line with your goals, essentially.","start":164.65999,"end":172.84,"sentiment":"neutral","sentiment_score":0.29844491251490335},{"text":"Does that make sense?","start":172.98,"end":174.04,"sentiment":"neutral","sentiment_score":0.14532709494233131},{"text":"Yeah.","start":174.99501,"end":175.395,"sentiment":"positive","sentiment_score":0.3492310047149658},{"text":"Beautiful.","start":175.395,"end":175.895,"sentiment":"positive","sentiment_score":0.4936698973178863}],"sentiment":"neutral","sentiment_score":0.2357861513028974,"num_words":46,"start":162.26,"end":175.895},{"sentences":[{"text":"Now what I will get you to do is just to kind of scroll through till page.","start":176.595,"end":182.615,"sentiment":"neutral","sentiment_score":0.12629969023606358},{"text":"Let me see here.","start":183.875,"end":185.255,"sentiment":"neutral","sentiment_score":0.07066124957054853},{"text":"Page 18 for me.","start":189.65001,"end":192.07,"sentiment":"neutral","sentiment_score":0.05413965694606304},{"text":"Now as you scroll through, you will see some some information about you.","start":192.29001,"end":197.91,"sentiment":"neutral","sentiment_score":0.08226907367889698},{"text":"Just from the fax line, you'll also see some general stuff in regards to your risk profile.","start":198.05,"end":203.345,"sentiment":"neutral","sentiment_score":0.08672609136385076}],"sentiment":"neutral","sentiment_score":0.09436617947437546,"num_words":55,"start":176.595,"end":203.345},{"sentences":[{"text":"We're not making any changes to that.","start":203.885,"end":205.885,"sentiment":"neutral","sentiment_score":-0.03368459695151874},{"text":"We are keeping you within the growth profile.","start":205.885,"end":208.70499,"sentiment":"neutral","sentiment_score":0.10798563528805971},{"text":"It's not taking on any more risk or anything like that.","start":209.08499,"end":211.405,"sentiment":"neutral","sentiment_score":-0.0857421721924435},{"text":"It is Yeah.","start":211.405,"end":212.86499,"sentiment":"neutral","sentiment_score":-0.04327300128837427},{"text":"Or okay.","start":215.81999,"end":216.37999,"sentiment":"neutral","sentiment_score":-0.012477354146540165}],"sentiment":"neutral","sentiment_score":-0.015156280730039842,"num_words":31,"start":203.885,"end":216.37999},{"sentences":[{"text":"So you are probably in the appendix.","start":216.37999,"end":218.56,"sentiment":"neutral","sentiment_score":-0.01973719016781875},{"text":"Sorry.","start":218.7,"end":218.86,"sentiment":"neutral","sentiment_score":-0.032624006271362305},{"text":"I should have clarified that.","start":218.86,"end":220.06,"sentiment":"neutral","sentiment_score":-0.006770005822181702},{"text":"If you click on the link where it says sign now, it will actually take you through the document, and it will allow you to view it first.","start":220.06,"end":229.085,"sentiment":"neutral","sentiment_score":0.06394257050539766},{"text":"Yes.","start":229.085,"end":229.585,"sentiment":"neutral","sentiment_score":0.07647146284580231}],"sentiment":"neutral","sentiment_score":0.039576882629522254,"num_words":42,"start":216.37999,"end":229.585},{"sentences":[{"text":"No.","start":231.965,"end":232.465,"sentiment":"neutral","sentiment_score":-0.2239670604467392},{"text":"Apologies.","start":232.605,"end":233.105,"sentiment":"neutral","sentiment_score":-0.21193622052669525},{"text":"That is the appendix where the research goes.","start":233.325,"end":235.565,"sentiment":"neutral","sentiment_score":-0.07920395908877254},{"text":"So you're probably like, Yes.","start":235.565,"end":242.84999,"sentiment":"neutral","sentiment_score":-0.03463292121887207},{"text":"I'm glad you said something.","start":244.59,"end":245.95,"sentiment":"positive","sentiment_score":0.4702371180057526}],"sentiment":"neutral","sentiment_score":0.05542430151253939,"num_words":20,"start":231.965,"end":245.95},{"sentences":[{"text":"And I'll just say, yeah.","start":245.95,"end":246.75,"sentiment":"neutral","sentiment_score":0.0743347465991974},{"text":"Yeah.","start":246.75,"end":246.91,"sentiment":"neutral","sentiment_score":0.09355403482913972},{"text":"Yeah.","start":246.91,"end":247.15,"sentiment":"neutral","sentiment_score":0.05033210664987564},{"text":"And then at the end, you're like, what is she talking about?","start":247.15,"end":250.20999,"sentiment":"neutral","sentiment_score":-0.09152519485602777},{"text":"No.","start":251.79,"end":252.29,"sentiment":"neutral","sentiment_score":-0.2001851499080658}],"sentiment":"neutral","sentiment_score":-0.039146380685269835,"num_words":20,"start":245.95,"end":252.29},{"sentences":[{"text":"Yes.","start":252.735,"end":253.235,"sentiment":"neutral","sentiment_score":-0.025540808215737343},{"text":"Sorry.","start":253.295,"end":253.795,"sentiment":"neutral","sentiment_score":-0.10529200732707976},{"text":"Mhmm.","start":266.99002,"end":267.49002,"sentiment":"neutral","sentiment_score":-0.03334592282772064},{"text":"Okay.","start":268.03,"end":268.53,"sentiment":"neutral","sentiment_score":-0.019739991053938866},{"text":"Yep.","start":268.59,"end":269.09,"sentiment":"neutral","sentiment_score":-0.01892377063632011}],"sentiment":"neutral","sentiment_score":-0.04056850001215935,"num_words":5,"start":252.735,"end":269.09},{"sentences":[{"text":"No.","start":272.51,"end":272.91,"sentiment":"neutral","sentiment_score":-0.18711334466934204},{"text":"Not really.","start":272.91,"end":273.73,"sentiment":"neutral","sentiment_score":-0.17524448782205582},{"text":"The only reason is if we were looking at changing your insurances and more so increasing cover.","start":274.11002,"end":281.085,"sentiment":"neutral","sentiment_score":-0.11737485887373195},{"text":"So the good thing with the type of cover that you I'll just make a note on our end just for our reference just so we know, but it doesn't change.","start":281.225,"end":288.685,"sentiment":"neutral","sentiment_score":0.18587808599395136},{"text":"No.","start":292.44,"end":292.94,"sentiment":"neutral","sentiment_score":-0.17668822407722473}],"sentiment":"neutral","sentiment_score":0.05870302924169944,"num_words":52,"start":272.51,"end":292.94},{"sentences":[{"text":"And it it is good to tell, but in terms of your advice, it doesn't change anything.","start":293.16,"end":298.44,"sentiment":"neutral","sentiment_score":0.07213971851503148},{"text":"The good thing is because you already have your insurance that's in place.","start":298.44,"end":302.14,"sentiment":"positive","sentiment_score":0.5190777893249805},{"text":"That's great.","start":302.36002,"end":303.135,"sentiment":"positive","sentiment_score":0.6752759218215942},{"text":"Because anything that would happen after you got your policy enforced so high blood pressure, it's super common.","start":303.375,"end":308.495,"sentiment":"neutral","sentiment_score":0.0479845456365082},{"text":"A lot of people have it in generally, after a while with medication, it's all managed.","start":308.495,"end":312.575,"sentiment":"neutral","sentiment_score":0.07940218481235206}],"sentiment":"neutral","sentiment_score":0.17362265300118562,"num_words":66,"start":293.16,"end":312.575},{"sentences":[{"text":"So it's not a big thing for insurance anyway.","start":312.575,"end":314.755,"sentiment":"neutral","sentiment_score":-0.00144538345436255},{"text":"No.","start":315.63,"end":316.13,"sentiment":"neutral","sentiment_score":-0.05875924602150917},{"text":"Yeah.","start":318.91,"end":319.41,"sentiment":"neutral","sentiment_score":0.030393706634640697},{"text":"It's fine.","start":322.35,"end":323.31,"sentiment":"neutral","sentiment_score":0.19143632054328918},{"text":"The only reason is sometimes if it's like a when were you diagnosed?","start":323.31,"end":327.00998,"sentiment":"neutral","sentiment_score":-0.05291317460628656}],"sentiment":"neutral","sentiment_score":-0.013322023818126092,"num_words":26,"start":312.575,"end":327.00998},{"sentences":[{"text":"When did you get the diagnosis?","start":327.38998,"end":328.93,"sentiment":"neutral","sentiment_score":-0.04270187268654505},{"text":"Do you remember?","start":329.15,"end":329.88998,"sentiment":"neutral","sentiment_score":-0.03573691348234812},{"text":"No.","start":332.005,"end":332.165,"sentiment":"neutral","sentiment_score":-0.09731613099575044},{"text":"Okay.","start":332.165,"end":332.48502,"sentiment":"neutral","sentiment_score":0.01617993414402008},{"text":"Cool.","start":332.48502,"end":332.98502,"sentiment":"neutral","sentiment_score":0.07837878912687302}],"sentiment":"neutral","sentiment_score":-0.030514948690931003,"num_words":12,"start":327.38998,"end":332.98502},{"sentences":[{"text":"Sometimes, if if you were to tell me, hey.","start":333.20502,"end":335.36502,"sentiment":"neutral","sentiment_score":-0.006395248489247427},{"text":"I wanna increase my cover.","start":335.36502,"end":336.64502,"sentiment":"neutral","sentiment_score":0.011518476903438568},{"text":"I want a million dollars worth of life in TPD.","start":336.64502,"end":338.98502,"sentiment":"neutral","sentiment_score":0.020401348685845734},{"text":"I would then say, okay.","start":339.445,"end":340.885,"sentiment":"neutral","sentiment_score":-0.021699180454015733},{"text":"Well, the insurance might not like it right now because it's so new.","start":340.885,"end":344.58502,"sentiment":"neutral","sentiment_score":-0.17064634595925993}],"sentiment":"neutral","sentiment_score":-0.05054404201828653,"num_words":42,"start":333.20502,"end":344.58502},{"sentences":[{"text":"So often when you've been on the medication for a couple of months and everything is, you know, under control, the doctor's happy, we could then look to do it.","start":344.81,"end":354.11002,"sentiment":"neutral","sentiment_score":0.0012696929275989532},{"text":"It's just a bit new.","start":354.73,"end":356.27002,"sentiment":"neutral","sentiment_score":-0.06258966922760009},{"text":"If you wanted to think, no.","start":356.41,"end":358.51,"sentiment":"neutral","sentiment_score":-0.18612226098775864},{"text":"No.","start":360.655,"end":361.155,"sentiment":"neutral","sentiment_score":-0.21565473079681396},{"text":"No.","start":362.575,"end":362.975,"sentiment":"neutral","sentiment_score":-0.1838030517101288}],"sentiment":"neutral","sentiment_score":-0.041652300156826194,"num_words":43,"start":344.81,"end":362.975},{"sentences":[{"text":"No.","start":362.975,"end":363.475,"sentiment":"neutral","sentiment_score":-0.16381457448005676},{"text":"Definitely not.","start":363.61502,"end":364.49503,"sentiment":"neutral","sentiment_score":-0.14883360266685486},{"text":"And that's good.","start":364.49503,"end":365.315,"sentiment":"neutral","sentiment_score":0.16962826997041702},{"text":"I will make a note just in your your fax line, but no.","start":365.77502,"end":368.49503,"sentiment":"neutral","sentiment_score":0.17116496081535632},{"text":"I don't need to change any insurances or anything.","start":368.49503,"end":370.655,"sentiment":"neutral","sentiment_score":-0.023248396399948332}],"sentiment":"neutral","sentiment_score":0.07368971261062793,"num_words":28,"start":362.975,"end":370.655},{"sentences":[{"text":"And you are feeling okay otherwise?","start":370.655,"end":372.435,"sentiment":"neutral","sentiment_score":-0.00008873020609219869},{"text":"Yeah.","start":373.9,"end":374.22,"sentiment":"neutral","sentiment_score":0.0767664983868599},{"text":"Yeah.","start":374.22,"end":374.46,"sentiment":"neutral","sentiment_score":0.0976262167096138},{"text":"Beautiful.","start":374.46,"end":374.86,"sentiment":"neutral","sentiment_score":0.27749568223953247},{"text":"And it's so common.","start":374.86,"end":375.91998,"sentiment":"neutral","sentiment_score":0.0792433237656951}],"sentiment":"neutral","sentiment_score":0.05910225470478718,"num_words":13,"start":370.655,"end":375.91998},{"sentences":[{"text":"Show them to people.","start":376.13998,"end":376.94,"sentiment":"neutral","sentiment_score":-0.0006870375946164131},{"text":"Same with high high cholesterol.","start":376.94,"end":378.24,"sentiment":"neutral","sentiment_score":-0.05624324381351471},{"text":"It's like almost every second person person.","start":378.3,"end":381.44,"sentiment":"neutral","sentiment_score":-0.03095925599336624},{"text":"Yeah.","start":382.22,"end":382.72,"sentiment":"neutral","sentiment_score":-0.022411733865737915},{"text":"It's yeah.","start":382.86,"end":384.4,"sentiment":"neutral","sentiment_score":-0.08105708099901676}],"sentiment":"neutral","sentiment_score":-0.036063424066493384,"num_words":19,"start":376.13998,"end":384.4},{"sentences":[{"text":"It happens.","start":385.775,"end":386.435,"sentiment":"neutral","sentiment_score":-0.10968848317861556},{"text":"Who doesn't?","start":388.17502,"end":388.83502,"sentiment":"neutral","sentiment_score":-0.055174170061945915},{"text":"Exactly.","start":389.855,"end":390.355,"sentiment":"neutral","sentiment_score":-0.057257577776908875},{"text":"It's just whether it's diagnosed or not.","start":391.055,"end":392.73502,"sentiment":"neutral","sentiment_score":-0.06733985670975276},{"text":"But now yes.","start":392.73502,"end":396.495,"sentiment":"neutral","sentiment_score":-0.03137729441126188}],"sentiment":"neutral","sentiment_score":-0.06349958429733912,"num_words":15,"start":385.775,"end":396.495},{"sentences":[{"text":"Sorry.","start":396.495,"end":396.975,"sentiment":"neutral","sentiment_score":-0.061201903969049454},{"text":"If you could scroll to page 18, I believe I told you.","start":396.975,"end":399.855,"sentiment":"neutral","sentiment_score":-0.03472290684779485},{"text":"Let me see.","start":399.855,"end":400.755,"sentiment":"neutral","sentiment_score":-0.01829874763886134},{"text":"This just outlines the recommendations.","start":402.0,"end":403.94,"sentiment":"neutral","sentiment_score":0.12210932672023773},{"text":"I'll just touch on this here because it's usually a lot easier to see it.","start":404.08002,"end":407.44,"sentiment":"neutral","sentiment_score":0.19150088230768839}],"sentiment":"neutral","sentiment_score":0.08195241219881508,"num_words":36,"start":396.495,"end":407.44},{"sentences":[{"text":"What I am saying is that it's outlining words further up for you and outlines everything, you know, a little bit more detail.","start":407.44,"end":413.54,"sentiment":"neutral","sentiment_score":0.1614429095517034},{"text":"But, essentially, what I have recommended is stay in Hub twenty four and literally change one investment only.","start":413.6,"end":420.99503,"sentiment":"neutral","sentiment_score":0.24777396851115757},{"text":"So it is very straightforward.","start":420.99503,"end":422.535,"sentiment":"positive","sentiment_score":0.571618127822876},{"text":"As part of the research, so I did look at Hub twenty four, just making sure it's still going to be the best option for you or if there was any new products or features out there that was going to be better for you.","start":423.315,"end":433.74,"sentiment":"neutral","sentiment_score":0.31737442480193245},{"text":"Because it is good for us to continuously do that research because things are always changing.","start":433.74,"end":437.6,"sentiment":"positive","sentiment_score":0.47742130421102047}],"sentiment":"neutral","sentiment_score":0.307960738088483,"num_words":107,"start":407.44,"end":437.6},{"sentences":[{"text":"At the moment, though, Hub twenty four is still very competitive.","start":438.06,"end":440.88,"sentiment":"neutral","sentiment_score":0.273008793592453},{"text":"I use Hub twenty four for my personal super as well.","start":441.02,"end":444.08,"sentiment":"positive","sentiment_score":0.5109779699282213},{"text":"It's very competitive when it comes through the the prices, but also investment choices and flexibility.","start":444.185,"end":450.285,"sentiment":"positive","sentiment_score":0.442537534981966},{"text":"So I have recommended staying Hub twenty four for now and literally just change one investment.","start":451.385,"end":456.92502,"sentiment":"neutral","sentiment_score":0.3208172367885709},{"text":"Fees or contributions or anything like that.","start":459.81,"end":462.05,"sentiment":"neutral","sentiment_score":0.051528647009815486}],"sentiment":"positive","sentiment_score":0.34751198813319206,"num_words":61,"start":438.06,"end":462.05},{"sentences":[{"text":"Literally just one investment.","start":462.05,"end":463.83,"sentiment":"neutral","sentiment_score":0.0783101785928011},{"text":"But this here shows you from the number side of it how that one investment actually changes it.","start":464.13,"end":469.83,"sentiment":"neutral","sentiment_score":0.09977831401758724},{"text":"So you will see with the total cost, kind of at the under the is that sorry.","start":470.13,"end":476.845,"sentiment":"neutral","sentiment_score":0.04633979652734364},{"text":"Yeah.","start":476.845,"end":477.345,"sentiment":"neutral","sentiment_score":0.0017972467467188835},{"text":"Yeah.","start":477.885,"end":478.385,"sentiment":"neutral","sentiment_score":0.06855463236570358}],"sentiment":"neutral","sentiment_score":0.0723750923601229,"num_words":41,"start":462.05,"end":478.385},{"sentences":[{"text":"Exactly.","start":478.605,"end":479.105,"sentiment":"neutral","sentiment_score":0.1473754346370697},{"text":"So you will see that by making that one investment change, and it's literally just one change, which is the Benelon who was underperforming a little bit through another option, it is saving about $333 in fees a year, which is pretty good.","start":479.885,"end":495.39,"sentiment":"neutral","sentiment_score":0.25276559903178103},{"text":"Yeah.","start":495.39,"end":495.89,"sentiment":"neutral","sentiment_score":0.3290761113166809},{"text":"Now in terms of returns as well, I have listed the five year rolling average under there for you as well, which also shows you that over the last five year on a rolling basis as the recommended portfolio with that one investment change again has outperformed the change for you.","start":496.19,"end":515.43,"sentiment":"positive","sentiment_score":0.43449438319486733},{"text":"So, again, it is making the performance a little bit better.","start":515.67,"end":518.71,"sentiment":"positive","sentiment_score":0.6185587211088701}],"sentiment":"positive","sentiment_score":0.3767171194341695,"num_words":107,"start":478.605,"end":518.71},{"sentences":[{"text":"It's also making it cheaper.","start":518.71,"end":520.39,"sentiment":"positive","sentiment_score":0.3541015386581421},{"text":"And the good thing is as well that there is no capital gains tax with making that one investment change.","start":520.39,"end":526.31,"sentiment":"positive","sentiment_score":0.5188222162425518},{"text":"So there's no tax or anything like that, which is fantastic.","start":526.31,"end":528.97,"sentiment":"positive","sentiment_score":0.5551341379230673},{"text":"Now on the next page, which is page 19, it, yep, it then shows you as well five, ten, and thirteen years for you, a bit of a projection so that you can see it.","start":530.015,"end":543.57,"sentiment":"neutral","sentiment_score":0.09275985147271837},{"text":"Now, obviously, you can't never guarantee what's going to happen with the market and the world, but that is also why we use the five year rolling average when we are using projections to give you a little bit more certainty of of what happened.","start":544.21,"end":556.55,"sentiment":"neutral","sentiment_score":0.04908067068705956}],"sentiment":"neutral","sentiment_score":0.20438493549791648,"num_words":116,"start":518.71,"end":556.55},{"sentences":[{"text":"So it does make a pretty big difference just by what making one switch, essentially.","start":556.805,"end":561.70496,"sentiment":"neutral","sentiment_score":0.19213578601678213},{"text":"Yeah.","start":563.045,"end":563.545,"sentiment":"neutral","sentiment_score":0.11740736663341522},{"text":"And underneath that as well, you will then also see I've outlined a bit more on the return for you.","start":563.925,"end":568.32495,"sentiment":"neutral","sentiment_score":0.1526840776205063},{"text":"So I've done the three years, five years, and the ten years.","start":568.32495,"end":571.785,"sentiment":"neutral","sentiment_score":0.23335332920153937},{"text":"And you can see as well that for all the all the periods, the recommended has outperformed again, which is good.","start":572.44,"end":579.5,"sentiment":"positive","sentiment_score":0.37673238487470717}],"sentiment":"neutral","sentiment_score":0.24296732959539993,"num_words":69,"start":556.805,"end":579.5},{"sentences":[{"text":"Now what that actually looks like in terms of the investment is if you wanna scroll up to page 17 for me first, and you can you see, like, a pie chart with an asset allocation table?","start":580.27997,"end":593.125,"sentiment":"neutral","sentiment_score":0.05467590911162866},{"text":"Yep.","start":594.54504,"end":594.945,"sentiment":"neutral","sentiment_score":0.16493460536003113},{"text":"Perfect.","start":594.945,"end":595.445,"sentiment":"neutral","sentiment_score":0.3131808042526245},{"text":"Now this just shows you that that risk profile, that growth I mentioned.","start":595.66504,"end":599.09,"sentiment":"neutral","sentiment_score":0.1573263372366245},{"text":"So you'll have your risk profile, which is that eighty twenty allocation, 80 to growth 20 to defensive.","start":599.09,"end":605.43,"sentiment":"neutral","sentiment_score":0.13973238815863928}],"sentiment":"neutral","sentiment_score":0.10087927739535059,"num_words":70,"start":580.27997,"end":605.43},{"sentences":[{"text":"You'll have your existing and your proposed.","start":605.89,"end":608.71,"sentiment":"neutral","sentiment_score":0.16605950466224126},{"text":"And you can say between existing and proposed, there is literally no changes because we are changing one Australian equity for another Australian equity.","start":608.85004,"end":616.035,"sentiment":"neutral","sentiment_score":0.15153277261803547},{"text":"So there's no increased risk or anything like that.","start":616.035,"end":618.695,"sentiment":"neutral","sentiment_score":0.06719189716709985},{"text":"Yep.","start":619.955,"end":620.355,"sentiment":"neutral","sentiment_score":0.263891339302063},{"text":"Beautiful.","start":620.355,"end":620.855,"sentiment":"positive","sentiment_score":0.5065143704414368}],"sentiment":"neutral","sentiment_score":0.1470079966599033,"num_words":42,"start":605.89,"end":620.855},{"sentences":[{"text":"And then if you wanna scroll up to page 15 for me.","start":622.115,"end":626.295,"sentiment":"neutral","sentiment_score":0.062287338078022},{"text":"Now what you'll see here is a bit of an investment table.","start":628.35,"end":631.33,"sentiment":"neutral","sentiment_score":0.056497893296182156},{"text":"Now what you see in red at the top is what we are selling.","start":631.79,"end":635.41,"sentiment":"neutral","sentiment_score":0.06943037041596004},{"text":"So as you can see, there's usually just one switch, which is selling phenolong.","start":635.47,"end":640.05,"sentiment":"neutral","sentiment_score":0.05317577852734497},{"text":"Everything else stays the same.","start":640.605,"end":642.145,"sentiment":"neutral","sentiment_score":0.13325948715209962}],"sentiment":"neutral","sentiment_score":0.06681063679749505,"num_words":57,"start":622.115,"end":642.145},{"sentences":[{"text":"And at the bottom of that table, you will have the BetaShares Australia two 100.","start":642.285,"end":647.265,"sentiment":"neutral","sentiment_score":0.0955850824713707},{"text":"That is what we are switching it for.","start":647.565,"end":649.745,"sentiment":"neutral","sentiment_score":0.10365232266485691},{"text":"So it is swapping one Australian investment for another one because we still wanna make sure that you do have exposure to the Australian market.","start":650.445,"end":659.54,"sentiment":"neutral","sentiment_score":0.17809281557798384},{"text":"We don't want everything just like COVID.","start":659.54,"end":661.56,"sentiment":"neutral","sentiment_score":-0.004152597061225346},{"text":"We wanna make sure it is diversified for you.","start":661.62,"end":664.51996,"sentiment":"neutral","sentiment_score":0.19834557506773207}],"sentiment":"neutral","sentiment_score":0.13236495631281286,"num_words":64,"start":642.285,"end":664.51996},{"sentences":[{"text":"So it is literally changing that.","start":664.98,"end":666.57996,"sentiment":"neutral","sentiment_score":0.15396192545692125},{"text":"But instead of the it's like that kind of active management where they're trying to actively buy and sell different investments a bit more frequently in order to outperform the market, which is why they come at a little bit more expensive.","start":666.57996,"end":679.025,"sentiment":"neutral","sentiment_score":0.005845421747792335},{"text":"The BetaShares Australia 200, it literally follows and tracks as the 200 largest companies listed in Australia.","start":679.58997,"end":686.32996,"sentiment":"neutral","sentiment_score":0.1979770888300503},{"text":"So as the company grows and gets bigger, it gets in the 200, it will add it to the list.","start":686.63,"end":691.26996,"sentiment":"neutral","sentiment_score":0.29044855311512946},{"text":"If something gets smaller, it comes out.","start":691.26996,"end":693.075,"sentiment":"neutral","sentiment_score":0.19187374200139726}],"sentiment":"neutral","sentiment_score":0.12703235904969598,"num_words":92,"start":664.98,"end":693.075},{"sentences":[{"text":"So because of that, it kind of makes it a bit easier and smoother for tracking purposes, a little bit less fluctuations as well, and that price is a little bit cheaper as well.","start":693.315,"end":703.255,"sentiment":"positive","sentiment_score":0.3521707592641606},{"text":"Does that make sense?","start":703.875,"end":705.09,"sentiment":"neutral","sentiment_score":0.16450033709406853},{"text":"Yeah.","start":706.21,"end":706.69,"sentiment":"neutral","sentiment_score":0.2676095962524414},{"text":"Perfect.","start":706.69,"end":707.19,"sentiment":"positive","sentiment_score":0.5106211304664612},{"text":"And that is essentially all the changes.","start":707.49005,"end":709.89,"sentiment":"neutral","sentiment_score":0.28755388941083637}],"sentiment":"neutral","sentiment_score":0.32814713012664876,"num_words":47,"start":693.315,"end":709.89},{"sentences":[{"text":"I did consider, yeah, I did consider changing some of the other ones as well for you.","start":709.89,"end":714.29004,"sentiment":"neutral","sentiment_score":0.19847484020625844},{"text":"But every time we did have a little bit play around with it, the other investments are doing good and it works together as a portfolio.","start":714.29004,"end":721.175,"sentiment":"positive","sentiment_score":0.38708189129829407},{"text":"And the only one that we were kind of looking at changing that was underperforming was the Ben along which we have exact exactly.","start":721.315,"end":730.055,"sentiment":"neutral","sentiment_score":-0.012459965733190378},{"text":"Now if you do wanna scroll down to page 23 for me.","start":730.835,"end":737.31,"sentiment":"neutral","sentiment_score":0.046220136185487114},{"text":"Yep.","start":741.85,"end":742.17,"sentiment":"neutral","sentiment_score":0.209690123796463}],"sentiment":"neutral","sentiment_score":0.17379367547109723,"num_words":80,"start":709.89,"end":742.17},{"sentences":[{"text":"Perfect.","start":742.17,"end":742.67,"sentiment":"positive","sentiment_score":0.5762896537780762},{"text":"It just outlines the fee again for you.","start":742.88995,"end":746.26996,"sentiment":"positive","sentiment_score":0.390732042491436},{"text":"Now there is no additional fees and charges.","start":746.32996,"end":748.58997,"sentiment":"neutral","sentiment_score":0.2710475493222475},{"text":"Kind of like I mentioned last time, it stays exactly the same.","start":748.64996,"end":751.425,"sentiment":"positive","sentiment_score":0.41679181220630807},{"text":"So if you are happy and you wanna go ahead with this one investment change there, Lauren, no additional fees.","start":751.425,"end":756.945,"sentiment":"positive","sentiment_score":0.3784275636076927}],"sentiment":"positive","sentiment_score":0.376338355243206,"num_words":49,"start":742.17,"end":756.945},{"sentences":[{"text":"It's all part of the ongoing fee.","start":756.945,"end":758.945,"sentiment":"neutral","sentiment_score":0.30349338906151907},{"text":"Again, it stays exactly the same at 1.65, but no changes in regards through that.","start":758.945,"end":764.64,"sentiment":"neutral","sentiment_score":0.22076886147260666},{"text":"Now we have also listed underneath it your Neos insurances.","start":764.72003,"end":768.26,"sentiment":"neutral","sentiment_score":0.0581958144903183},{"text":"Now I do wanna let you know that that is not you paying those.","start":768.96,"end":772.56,"sentiment":"neutral","sentiment_score":0.02472526047910963},{"text":"That is Neos.","start":772.56,"end":773.54004,"sentiment":"neutral","sentiment_score":0.023342822367946308}],"sentiment":"neutral","sentiment_score":0.13130871233131206,"num_words":49,"start":756.945,"end":773.54004},{"sentences":[{"text":"But for compliance purposes, we have to disclose any commissions we do receive so you are fully aware That is 23% of the premium, and that is Neos paying us, like I said, and not you paying us.","start":773.84,"end":787.445,"sentiment":"neutral","sentiment_score":0.0033099758438766003},{"text":"And it is the same, yeah, it is the same for every single insurer out there.","start":787.445,"end":791.605,"sentiment":"neutral","sentiment_score":0.028885622043162584},{"text":"So it doesn't sway us in any way to, like, recommend one provider over the other.","start":791.605,"end":795.205,"sentiment":"neutral","sentiment_score":-0.030243366956710815},{"text":"It's the same for every single provider and for every single adviser.","start":795.205,"end":798.08,"sentiment":"neutral","sentiment_score":0.058767901423076786},{"text":"Does that make sense?","start":799.74005,"end":800.80005,"sentiment":"neutral","sentiment_score":0.07904274202883244}],"sentiment":"neutral","sentiment_score":0.013086522658637096,"num_words":86,"start":773.84,"end":800.80005},{"sentences":[{"text":"Yeah.","start":801.82,"end":802.30005,"sentiment":"neutral","sentiment_score":0.25399544835090637},{"text":"Beautiful.","start":802.30005,"end":802.80005,"sentiment":"positive","sentiment_score":0.603571891784668},{"text":"And that was essentially everything.","start":803.42004,"end":805.26,"sentiment":"positive","sentiment_score":0.5467427432537079},{"text":"So very nice and easy and quick one today.","start":805.26,"end":808.08,"sentiment":"positive","sentiment_score":0.8241002559661865},{"text":"So do you have any questions in regards to that, or what are your thoughts on that?","start":808.845,"end":813.345,"sentiment":"neutral","sentiment_score":0.18919726811787663}],"sentiment":"positive","sentiment_score":0.43104657327586954,"num_words":33,"start":801.82,"end":813.345},{"sentences":[{"text":"No?","start":814.925,"end":815.425,"sentiment":"neutral","sentiment_score":-0.1048271656036377},{"text":"Yeah.","start":816.285,"end":816.785,"sentiment":"neutral","sentiment_score":0.09485775232315063},{"text":"Beautiful.","start":816.845,"end":817.345,"sentiment":"positive","sentiment_score":0.36745160818099976},{"text":"So, basically, from here is if you are happy to go ahead with the investment change, to move forward, it would then be to press sign or start, and it will prompt you to add a signature.","start":817.805,"end":832.38,"sentiment":"neutral","sentiment_score":0.16033450936948931},{"text":"Sometimes it will take you to a text box as well.","start":833.32,"end":836.66504,"sentiment":"neutral","sentiment_score":0.09469352798028426}],"sentiment":"neutral","sentiment_score":0.14375466371283813,"num_words":51,"start":814.925,"end":836.66504},{"sentences":[{"text":"It is just there if you would like to make a variation.","start":837.125,"end":840.105,"sentiment":"neutral","sentiment_score":0.054309175039331116},{"text":"Because we're just making one variation today, pretty straightforward, but it is more if if there was anything that you're like, yeah.","start":841.045,"end":846.565,"sentiment":"neutral","sentiment_score":0.08066871457479217},{"text":"No.","start":846.565,"end":846.805,"sentiment":"neutral","sentiment_score":-0.17860880494117737},{"text":"I wanna do this or I don't wanna do this.","start":846.805,"end":848.58,"sentiment":"neutral","sentiment_score":-0.20681894421577454},{"text":"This is where it would allow you to type anything.","start":848.82,"end":851.32,"sentiment":"neutral","sentiment_score":0.08054302968084812}],"sentiment":"neutral","sentiment_score":0.017910070378671993,"num_words":55,"start":837.125,"end":851.32},{"sentences":[{"text":"Sometimes you have to type something.","start":852.02,"end":853.62,"sentiment":"neutral","sentiment_score":0.05090027675032616},{"text":"You could just do NA or full stop if you're happy with it.","start":853.62,"end":856.84,"sentiment":"neutral","sentiment_score":0.08951172404564343},{"text":"Once you've then added the signature and the date, when you press validate, it will then send it back to me.","start":857.46,"end":864.28,"sentiment":"neutral","sentiment_score":0.11245970698516994},{"text":"And that tells me that you're happy with the change.","start":864.44495,"end":866.285,"sentiment":"positive","sentiment_score":0.721291321516037},{"text":"And I will let the team know, and we can go ahead and make that change.","start":866.285,"end":869.665,"sentiment":"positive","sentiment_score":0.5728273298591375}],"sentiment":"neutral","sentiment_score":0.30619482443470397,"num_words":66,"start":852.02,"end":869.665},{"sentences":[{"text":"But if you do wanna take some time, have a read over the document.","start":869.805,"end":872.845,"sentiment":"neutral","sentiment_score":0.19434994565589087},{"text":"You do have a bit of time as well.","start":872.845,"end":874.685,"sentiment":"neutral","sentiment_score":0.16892423729101816},{"text":"So it is completely up to you when you have time and what you would like to do as well, Lauren.","start":874.685,"end":879.09,"sentiment":"neutral","sentiment_score":0.21180070865721928},{"text":"Exactly.","start":882.69,"end":883.19,"sentiment":"neutral","sentiment_score":0.06935741752386093},{"text":"Yeah.","start":883.65,"end":884.13,"sentiment":"neutral","sentiment_score":0.081480011343956}],"sentiment":"neutral","sentiment_score":0.19217108011893605,"num_words":46,"start":869.805,"end":884.13},{"sentences":[{"text":"Just that one investment change.","start":884.13,"end":885.91003,"sentiment":"neutral","sentiment_score":0.10305356234312057},{"text":"Yep.","start":887.17004,"end":887.67004,"sentiment":"neutral","sentiment_score":0.10638456046581268},{"text":"So the tech 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sometimes it it's technology's great when it works, but sometimes it drives you crazy.","start":927.575,"end":932.44995,"sentiment":"neutral","sentiment_score":-0.06955774029095968}],"sentiment":"neutral","sentiment_score":-0.07557193517080836,"num_words":37,"start":900.225,"end":932.44995},{"sentences":[{"text":"And, yeah, amazing.","start":934.91,"end":936.11,"sentiment":"neutral","sentiment_score":0.14526696192721525},{"text":"I can already see it's come through on my end, so it's nice and quick.","start":936.11,"end":939.06995,"sentiment":"positive","sentiment_score":0.506435348590215},{"text":"So I will let the the team know.","start":939.06995,"end":940.75,"sentiment":"positive","sentiment_score":0.35025056451559067},{"text":"We'll just go ahead and make that one investment change for you.","start":940.75,"end":944.20996,"sentiment":"positive","sentiment_score":0.33465847621361416},{"text":"Like I said, if there's anything else that you need at any point in time, though, let me know.","start":945.065,"end":949.565,"sentiment":"neutral","sentiment_score":0.1191054072819258}],"sentiment":"neutral","sentiment_score":0.3002322821698168,"num_words":57,"start":934.91,"end":949.565},{"sentences":[{"text":"Let me know if you do want the mortgage broker or anything to give you a call to assess any rates.","start":949.78503,"end":955.16504,"sentiment":"neutral","sentiment_score":0.09045933754671187},{"text":"Just let me know, obviously, how you're going.","start":955.625,"end":957.145,"sentiment":"neutral","sentiment_score":0.1552843190729618},{"text":"If you wanna catch up at any point in time, just let me know.","start":957.145,"end":959.88,"sentiment":"neutral","sentiment_score":0.10929187121135849},{"text":"I'm always there.","start":959.88,"end":961.02,"sentiment":"neutral","sentiment_score":0.11612951507170995},{"text":"Yeah.","start":962.12,"end":962.60004,"sentiment":"positive","sentiment_score":0.45933204889297485}],"sentiment":"neutral","sentiment_score":0.11658994536450569,"num_words":47,"start":949.78503,"end":962.60004},{"sentences":[{"text":"No problem at all.","start":962.60004,"end":963.4,"sentiment":"positive","sentiment_score":0.5358528196811676},{"text":"I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again.","start":963.4,"end":967.58,"sentiment":"positive","sentiment_score":0.6864470729702398},{"text":"No problem.","start":969.0,"end":969.56,"sentiment":"neutral","sentiment_score":0.30403998494148254},{"text":"We'll speak soon.","start":969.56,"end":970.54004,"sentiment":"neutral","sentiment_score":0.1046370913585027},{"text":"Bye.","start":970.60004,"end":971.10004,"sentiment":"neutral","sentiment_score":0.07388439774513245}],"sentiment":"positive","sentiment_score":0.5579924588573391,"num_words":29,"start":962.60004,"end":971.10004}]}}]},{"alternatives":[{"transcript":"Lauren speaking. I'm well. Thank you. Yep. Yep. That's fine. That's fine. Lady. Yeah. I haven't had a chance to see them, but yeah. Yep. Mhmm. Yep. I do. Yeah. Yep. Yep. All good. Mhmm. Yep. The what? Sorry? Best not really. Yep. Got it. Okay. Yep. Yep. Only got something nine pay something nine pages coming up. Oh, sign request. Yeah. Okay. No worries. I'm like, I'm I'm not I don't have anything to look at. No. That's okay. And now that you're now that you're talking about best interest, you get it reads right there on the I'm looking going there's nothing about that on the second page. But, yes, I do see that now. No. I'm like, I don't know what you're talking about. What you're saying yeah. That's okay. I did I have thought to the with I have since been diagnosed with high blood pressure and started medication. So I don't know. Is that yeah. Is that is that something that needs to be noted? Or Yeah. I didn't wanna if if I had if something happened, I didn't wanna be like, oh, you can tell us that could mean to put a message. So yeah. Yes. It's not no. I read yeah. I just thought when I was like, I'm like, I'm like, I didn't mention that. I'll talk about that, and then at the text, and then I'm like, oh, hang on a second. Like, literally last Friday? Mhmm. Yeah. I don't I don't wanna change anything. I just wanted to make a note of it so that it didn't come back as me, you know, being some sort of withholding, you know, information. Yeah. Fine. Yep. Yeah. It all goes. Yeah. It's like 40 yeah. 40 seven years old, perimenopausal, stressful job, teenage kids. Yeah. Count tell me someone who doesn't have high blood pressure. Mhmm. Yes. Yep. What? Yes. Yes. Well Yep. Under net annual cost. Yep. Total cost. Yep. Yep. I am. Yep. Yep. Yes. Yes. Nineteen. Yep. '19. Mhmm. Yes. Okey dokey. Yep. Again. Yep. Okay. So it's yep. Mhmm. Yeah. Okay. Yep. Yep. Okay. Yes. Yes. Yep. Mhmm. Mhmm. All the changes. Yep. The Benelog, which you have changed. Yep. Mhmm. 28. One, two, three. Yep. Mhmm. Yeah. Okay. Not me. Yep. Yep. It does. Yep. No. It's makes makes perfect sense. Yep. Yes. Yep. Yes. No. It makes it makes sense. It's only that one change, so it's not yeah. Yeah. Yep. Yep. Alright. Well, fine. Please sign. Yes. File. Yes. Thank you. Date. Yeah. And that won't let me go next because it's got something I can oh, there's another box there. Well, I just put in a I'll just put I just yeah. It's only letting me do that thing. I'm not gonna send a dollar right now. I thought I'd I thought I'd press something in there. It just kept going back there. I'm wondering. Okay. It's happening. I'm wondering. Mhmm. Yep. Yeah. 100 percent. Thanks, Veronica. Thank you. Thank you. Bye bye. 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speaking. I'm well. Thank you. Yep. Yep.\n\nThat's fine. That's fine. Lady. Yeah. I haven't had a chance to see them, but yeah.\n\nYep. Mhmm. Yep. I do. Yeah.\n\nYep. Yep. All good. Mhmm. Yep.\n\nThe what? Sorry? Best not really. Yep. Got it.\n\nOkay. Yep. Yep. Only got something nine pay something nine pages coming up. Oh, sign request.\n\nYeah. Okay. No worries. I'm like, I'm I'm not I don't have anything to look at. No.\n\nThat's okay. And now that you're now that you're talking about best interest, you get it reads right there on the I'm looking going there's nothing about that on the second page. But, yes, I do see that now. No. I'm like, I don't know what you're talking about.\n\nWhat you're saying yeah. That's okay. I did I have thought to the with I have since been diagnosed with high blood pressure and started medication. So I don't know. Is that yeah.\n\nIs that is that something that needs to be noted? Or Yeah. I didn't wanna if if I had if something happened, I didn't wanna be like, oh, you can tell us that could mean to put a message. So yeah. Yes.\n\nIt's not no. I read yeah. I just thought when I was like, I'm like, I'm like, I didn't mention that. I'll talk about that, and then at the text, and then I'm like, oh, hang on a second. Like, literally last Friday?\n\nMhmm. Yeah. I don't I don't wanna change anything. I just wanted to make a note of it so that it didn't come back as me, you know, being some sort of withholding, you know, information. Yeah.\n\nFine. Yep. Yeah. It all goes. Yeah.\n\nIt's like 40 yeah. 40 seven years old, perimenopausal, stressful job, teenage kids. Yeah. Count tell me someone who doesn't have high blood pressure. Mhmm.\n\nYes. Yep. What? Yes. Yes.\n\nWell Yep. Under net annual cost. Yep. Total cost. Yep.\n\nYep. I am. Yep. Yep. Yes.\n\nYes. Nineteen. Yep. '19. Mhmm.\n\nYes. Okey dokey. Yep. Again. Yep.\n\nOkay. So it's yep. Mhmm. Yeah. Okay.\n\nYep. Yep. Okay. Yes. Yes.\n\nYep. Mhmm. Mhmm. All the changes. Yep.\n\nThe Benelog, which you have changed. Yep. Mhmm. 28. One, two, three.\n\nYep. Mhmm. Yeah. Okay. Not me.\n\nYep. Yep. It does. Yep. No.\n\nIt's makes makes perfect sense. Yep. Yes. Yep. Yes.\n\nNo. It makes it makes sense. It's only that one change, so it's not yeah. Yeah. Yep.\n\nYep. Alright. Well, fine. Please sign. Yes.\n\nFile. Yes. Thank you. Date. Yeah.\n\nAnd that won't let me go next because it's got something I can oh, there's another box there. Well, I just put in a I'll just put I just yeah. It's only letting me do that thing. I'm not gonna send a dollar right now. I thought I'd I thought I'd press something in there.\n\nIt just kept going back there. I'm wondering. Okay. It's happening. I'm wondering.\n\nMhmm. Yep. Yeah. 100 percent. Thanks, Veronica.\n\nThank you. Thank you. Bye bye. 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that won't let me go next because it's got something I can oh, there's another box there.","start":893.72003,"end":898.44,"sentiment":"neutral","sentiment_score":-0.015606167053596841},{"text":"Well, I just put in a I'll just put I just yeah.","start":898.44,"end":906.06,"sentiment":"neutral","sentiment_score":-0.0268269043105344},{"text":"It's only letting me do that thing.","start":907.28503,"end":908.905,"sentiment":"neutral","sentiment_score":-0.10386681663138526},{"text":"I'm not gonna send a dollar right now.","start":918.485,"end":919.92,"sentiment":"neutral","sentiment_score":-0.15792046301066875},{"text":"I thought I'd I thought I'd press something in there.","start":922.88,"end":925.04,"sentiment":"neutral","sentiment_score":-0.13288844898343086}],"sentiment":"neutral","sentiment_score":-0.07131181398237293,"num_words":55,"start":893.72003,"end":925.04},{"sentences":[{"text":"It just kept going back there.","start":925.04,"end":926.24,"sentiment":"neutral","sentiment_score":-0.1470900351802508},{"text":"I'm wondering.","start":926.24,"end":926.63995,"sentiment":"neutral","sentiment_score":-0.11415733397006989},{"text":"Okay.","start":926.63995,"end":926.88,"sentiment":"neutral","sentiment_score":-0.06751032173633575},{"text":"It's happening.","start":926.88,"end":927.27997,"sentiment":"neutral","sentiment_score":-0.07068727537989616},{"text":"I'm wondering.","start":927.27997,"end":927.86,"sentiment":"neutral","sentiment_score":-0.062235310673713684}],"sentiment":"neutral","sentiment_score":-0.11109310560501538,"num_words":13,"start":925.04,"end":927.86},{"sentences":[{"text":"Mhmm.","start":935.175,"end":935.675,"sentiment":"neutral","sentiment_score":0.1374116092920303},{"text":"Yep.","start":942.9225,"end":943.4225,"sentiment":"neutral","sentiment_score":0.25018104910850525},{"text":"Yeah.","start":953.55,"end":953.79,"sentiment":"neutral","sentiment_score":0.1145603358745575},{"text":"100 percent.","start":953.79,"end":954.61,"sentiment":"neutral","sentiment_score":0.0910114198923111},{"text":"Thanks, Veronica.","start":961.31,"end":962.13,"sentiment":"positive","sentiment_score":0.675798237323761}],"sentiment":"neutral","sentiment_score":0.2908246155296053,"num_words":7,"start":935.175,"end":962.13},{"sentences":[{"text":"Thank you.","start":963.55,"end":964.37,"sentiment":"positive","sentiment_score":0.7109962403774261},{"text":"Thank you.","start":967.89496,"end":968.71497,"sentiment":"positive","sentiment_score":0.6755285859107971},{"text":"Bye bye.","start":969.49493,"end":970.235,"sentiment":"neutral","sentiment_score":0.09983029216527939},{"text":"Bye.","start":970.69495,"end":971.19495,"sentiment":"neutral","sentiment_score":-0.12338674068450928}],"sentiment":"positive","sentiment_score":0.40704621374607086,"num_words":7,"start":963.55,"end":971.19495}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Lauren speaking.\n\nChannel 0: Good afternoon. This is Ranga from OQ Financial. How are you?\n\nChannel 1: I'm well. Thank you.\n\nChannel 0: That's good. I had your booked in for us pretty quick today. Just a bit of a catch up to see, after I did some research on your super investment. Is now\n\nChannel 1: Yep.\n\nChannel 0: still a good time?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: That's fine.\n\nChannel 0: Perfect. And just your password on file for security, please.\n\nChannel 1: Lady.\n\nChannel 0: Yep. Beautiful. Now before I do jump into it, I did wanted to see if you've had a chance to speak to your bank, how you went with that, or maybe not yet.\n\nChannel 1: Yeah. I haven't had a chance to see them,\n\nChannel 0: No.\n\nChannel 1: but\n\nChannel 0: That's fine.\n\nChannel 1: yeah. Yep.\n\nChannel 0: That's all good. When you do, though, like I said last time, if it is that you want more opinion, just let me know, and I can always get the mortgage broker to reach out. No rush, though, obviously. Just just let us know if it is something you are interested in.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have access to your emails at the moment or not\n\nChannel 1: I\n\nChannel 0: really\n\nChannel 1: do. Yeah.\n\nChannel 0: right now? Okay. Beautiful. So what I have done is I have to send you an email with the documents to go through if you have an option to bring that up for me.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. I was going to say it'll be a little bit slower because I've had because there's a bit of a storm happening here, so it's been a little bit slower, but it looks like you got it right away. So that's\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: All good.\n\nChannel 0: Now every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in a statement of advice for you to make sure you fully understand everything. A lot of it is for compliances, so you will save 28 pages. I won't go through all of that because, otherwise, I keep it for a while and pretty straightforward today. So I will just touch on the main things, and then you're more than welcome to have a look through and read the document. It is pretty straightforward\n\nChannel 1: Mhmm.\n\nChannel 0: today. Otherwise, it is tailored specifically for you. Now on the cover page there, you should see my details. You'll also see my authorized representative number, and I\n\nChannel 1: Yep.\n\nChannel 0: am licensed under OQ Financial. And I do wanna let you know as well that on page two, it outlines the best interest duty. Do you remember hearing about that at all before?\n\nChannel 1: The what? Sorry?\n\nChannel 0: Best interest duty?\n\nChannel 1: Best not really.\n\nChannel 0: No. That's okay. Essentially, what it means is that we have to act in your best interest at all time, and the adviser self has to put you in a better position as a result of the advice. Otherwise, we\n\nChannel 1: Yep.\n\nChannel 0: can't actually make the recommendation. But, essentially,\n\nChannel 1: Got it. Okay.\n\nChannel 0: it's just that in place to protect you and making sure that we do what we do does put you in a better position in the line with your goals, essentially. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Now what I will get you to do is just to kind of scroll through till page. Let me see here. Page 18 for me.\n\nNow as you scroll through, you will see some some information about you. Just from the fax line, you'll also see some general stuff in regards to your risk profile. We're not making any changes to that. We are keeping you within the growth profile. It's not\n\nChannel 1: Yep.\n\nChannel 0: taking on any more risk or anything\n\nChannel 1: Only\n\nChannel 0: like\n\nChannel 1: got\n\nChannel 0: that. It is\n\nChannel 1: something\n\nChannel 0: Yeah.\n\nChannel 1: nine pay something nine pages coming up.\n\nChannel 0: Or okay. So you are probably in the appendix. Sorry. I should have clarified that. If you click on the link where it says sign now, it will actually take you through the document, and it will\n\nChannel 1: Oh,\n\nChannel 0: allow\n\nChannel 1: sign\n\nChannel 0: you\n\nChannel 1: request.\n\nChannel 0: to view\n\nChannel 1: Yeah. Okay.\n\nChannel 0: it first.\n\nChannel 1: No worries.\n\nChannel 0: Yes.\n\nChannel 1: I'm like, I'm I'm not I don't have anything to look at.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Apologies. That is the appendix where the research goes. So you're probably\n\nChannel 1: That's\n\nChannel 0: like,\n\nChannel 1: okay. And now that you're now that you're talking about best interest, you get it reads right there on the I'm looking going there's nothing\n\nChannel 0: Yes.\n\nChannel 1: about that on the second page. But, yes,\n\nChannel 0: I'm\n\nChannel 1: I do\n\nChannel 0: glad\n\nChannel 1: see\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: said\n\nChannel 1: now.\n\nChannel 0: something. And I'll just say, yeah. Yeah. Yeah. And then at the\n\nChannel 1: No.\n\nChannel 0: end, you're\n\nChannel 1: I'm\n\nChannel 0: like,\n\nChannel 1: like, I\n\nChannel 0: what\n\nChannel 1: don't know\n\nChannel 0: is\n\nChannel 1: what\n\nChannel 0: she\n\nChannel 1: you're\n\nChannel 0: talking\n\nChannel 1: talking about. What you're\n\nChannel 0: about?\n\nChannel 1: saying yeah. That's\n\nChannel 0: No.\n\nChannel 1: okay.\n\nChannel 0: Yes.\n\nChannel 1: I did\n\nChannel 0: Sorry.\n\nChannel 1: I have thought to the with I have since been diagnosed with high blood pressure and started medication.\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: So I\n\nChannel 0: Yep.\n\nChannel 1: don't know. Is that yeah. Is that is that something that needs to be noted? Or\n\nChannel 0: No. Not really. The only reason is if we were looking at changing your insurances and more so increasing cover. So the good thing with the type of cover that you I'll just make a note on our end just for our reference just so we know, but\n\nChannel 1: Yeah.\n\nChannel 0: it doesn't\n\nChannel 1: I didn't wanna\n\nChannel 0: change.\n\nChannel 1: if if I had if something happened, I didn't wanna be like, oh, you can tell us that could mean to put a\n\nChannel 0: No.\n\nChannel 1: message. So yeah.\n\nChannel 0: And it it is good to tell, but in terms of your advice, it doesn't change anything. The good thing is because you already have your insurance that's in place. That's great.\n\nChannel 1: Yes.\n\nChannel 0: Because anything that would happen after you got your policy enforced so high blood pressure, it's super common. A lot of people have it in generally, after a while with medication, it's all managed. So it's not a big thing for insurance\n\nChannel 1: It's\n\nChannel 0: anyway.\n\nChannel 1: not no. I read yeah. I just\n\nChannel 0: No.\n\nChannel 1: thought when I was like, I'm like, I'm like, I didn't mention that. I'll talk about\n\nChannel 0: Yeah.\n\nChannel 1: that, and then at the text, and then I'm like, oh, hang on a second.\n\nChannel 0: It's fine. The only reason is sometimes if it's like a when were you diagnosed? When did you get the diagnosis? Do you remember?\n\nChannel 1: Like, literally last Friday?\n\nChannel 0: No. Okay. Cool. Sometimes, if if you were to tell me, hey. I wanna increase my cover.\n\nI want a million dollars worth of life in TPD. I would then say, okay. Well, the insurance might not like it right now because it's so new. So often when\n\nChannel 1: Mhmm.\n\nChannel 0: you've been on the medication for a couple of months and everything is, you know, under control, the doctor's happy, we could then look to do it. It's just a bit\n\nChannel 1: Yeah.\n\nChannel 0: new.\n\nChannel 1: I don't I\n\nChannel 0: If\n\nChannel 1: don't\n\nChannel 0: you\n\nChannel 1: wanna\n\nChannel 0: wanted\n\nChannel 1: change anything.\n\nChannel 0: to think,\n\nChannel 1: I just wanted to make\n\nChannel 0: no.\n\nChannel 1: a note of it so that it didn't come back as me, you know, being some\n\nChannel 0: No.\n\nChannel 1: sort of withholding, you know, information.\n\nChannel 0: No. No. Definitely not. And that's good. I will make a note just in your your fax line, but no.\n\nI don't need to change any insurances or anything. And you are feeling okay otherwise?\n\nChannel 1: Yeah. Fine.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And it's so common. Show them to\n\nChannel 1: Yeah.\n\nChannel 0: people. Same with high high cholesterol. It's like almost\n\nChannel 1: It\n\nChannel 0: every\n\nChannel 1: all goes.\n\nChannel 0: second\n\nChannel 1: Yeah. It's\n\nChannel 0: person\n\nChannel 1: like 40\n\nChannel 0: person.\n\nChannel 1: yeah. 40\n\nChannel 0: Yeah.\n\nChannel 1: seven years\n\nChannel 0: It's\n\nChannel 1: old, perimenopausal,\n\nChannel 0: yeah.\n\nChannel 1: stressful job,\n\nChannel 0: It\n\nChannel 1: teenage\n\nChannel 0: happens.\n\nChannel 1: kids. Yeah. Count tell me someone who doesn't\n\nChannel 0: Who\n\nChannel 1: have\n\nChannel 0: doesn't?\n\nChannel 1: high blood pressure.\n\nChannel 0: Exactly. It's just whether it's diagnosed or not. But now yes. Sorry. If you could scroll to page 18, I believe I told you.\n\nLet me see.\n\nChannel 1: Mhmm.\n\nChannel 0: This just outlines the recommendations. I'll just touch on this here because it's usually a lot easier to see it. What I\n\nChannel 1: Yes.\n\nChannel 0: am saying is that it's outlining words further up for you and outlines everything, you know, a little bit more detail. But, essentially, what I have recommended is stay in Hub twenty four and literally change one investment only. So it is very straightforward. As part of the research, so I did look at Hub twenty four, just making sure it's still going to be the best option for you or\n\nChannel 1: Yep.\n\nChannel 0: if there was any new products or features out there that was going to be better for you. Because it is good for us to continuously do that research because things are always changing. At the moment, though, Hub twenty four is still very competitive. I use Hub twenty four for my personal super as well. It's very competitive when it comes through the the prices, but also investment choices and flexibility.\n\nSo I have recommended staying Hub twenty four for now and literally just change one investment.\n\nChannel 1: What?\n\nChannel 0: Fees or contributions\n\nChannel 1: Yes.\n\nChannel 0: or anything like that. Literally just one investment. But this here shows you from the number side of it how that one investment actually changes it.\n\nChannel 1: Yes.\n\nChannel 0: So you will see with\n\nChannel 1: Well\n\nChannel 0: the total cost, kind of at the under the\n\nChannel 1: Yep.\n\nChannel 0: is that\n\nChannel 1: Under\n\nChannel 0: sorry.\n\nChannel 1: net annual\n\nChannel 0: Yeah.\n\nChannel 1: cost. Yep. Total cost.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Exactly. So you will see that by making that one investment change, and it's literally just one change, which is the Benelon who was underperforming a little bit through another option, it is saving about $333 in fees\n\nChannel 1: Yep.\n\nChannel 0: a year,\n\nChannel 1: I\n\nChannel 0: which\n\nChannel 1: am.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: pretty good. Yeah. Now in terms of returns as well, I have listed the five year rolling average under there for you as well, which\n\nChannel 1: Yep.\n\nChannel 0: also shows you that over the last five year on a rolling basis as the recommended portfolio with that one investment change again has outperformed the change for you. So, again, it is making the performance a little bit better. It's also making\n\nChannel 1: Yes.\n\nChannel 0: it cheaper. And the good thing is as well that there is no capital gains tax with making that one investment change. So there's no tax\n\nChannel 1: Yes.\n\nChannel 0: or anything like that, which is fantastic. Now on the next page, which is page 19,\n\nChannel 1: Nineteen.\n\nChannel 0: it, yep, it then shows\n\nChannel 1: Yep.\n\nChannel 0: you as well five, ten, and thirteen years\n\nChannel 1: '19.\n\nChannel 0: for you, a bit of a projection so that you can see it. Now, obviously, you can't never guarantee what's going to happen with the market and the world, but that is also why we use the five year rolling average when we are using\n\nChannel 1: Mhmm.\n\nChannel 0: projections to give you a little bit more certainty of of what happened. So it does make a pretty big difference just by what making one switch, essentially. Yeah. And underneath that as well, you will then also see I've outlined a bit more on the return for you. So I've done the three years, five years, and the ten years.\n\nAnd you can see as well that for all the all the periods, the recommended has outperformed again, which\n\nChannel 1: Yes.\n\nChannel 0: is good. Now\n\nChannel 1: Okey dokey.\n\nChannel 0: what that actually looks like in terms of the investment is if you wanna scroll up to page 17 for me first,\n\nChannel 1: Yep.\n\nChannel 0: and you can you see, like, a pie chart with an asset allocation table?\n\nChannel 1: Again.\n\nChannel 0: Yep. Perfect. Now this just shows you that that risk profile, that growth I mentioned. So you'll have your risk profile, which is that eighty twenty allocation, 80 to growth 20 to defensive. You'll have your existing and your proposed.\n\nAnd you can say between existing and proposed, there is literally no changes because we are changing one Australian equity for another Australian equity. So there's no increased risk or anything like that.\n\nChannel 1: Yep. Okay. So\n\nChannel 0: Yep.\n\nChannel 1: it's\n\nChannel 0: Beautiful.\n\nChannel 1: yep.\n\nChannel 0: And then if you wanna scroll up to page 15 for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what you'll see here is a bit of an investment table. Now what you see in red at the top is what we are selling. So as you\n\nChannel 1: Yeah.\n\nChannel 0: can see,\n\nChannel 1: Okay.\n\nChannel 0: there's usually just one switch, which is\n\nChannel 1: Yep.\n\nChannel 0: selling phenolong. Everything else stays the same. And at the bottom of that table, you will have the BetaShares Australia two 100. That is what we are switching it for.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: it is swapping one Australian investment for another one because we still wanna make sure that you do have exposure to the Australian market. We don't want everything just like COVID. We wanna make sure it is diversified for you.\n\nChannel 1: Yes.\n\nChannel 0: So it is literally changing that. But instead of the it's like that kind of active management where they're trying to actively buy and sell different investments a bit more frequently in order to outperform the market, which is why they come at a little bit more expensive. The BetaShares\n\nChannel 1: Yes.\n\nChannel 0: Australia 200, it literally follows and tracks as the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets in the 200, it will add it to the list. If something gets smaller, it comes out. So because\n\nChannel 1: Yep.\n\nChannel 0: of that, it kind of makes it a bit easier and smoother for tracking purposes, a little bit\n\nChannel 1: Mhmm.\n\nChannel 0: less fluctuations as well, and that price is a little bit cheaper as well. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Perfect. And that is essentially all the changes.\n\nChannel 1: All\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: did\n\nChannel 1: changes.\n\nChannel 0: consider,\n\nChannel 1: Yep.\n\nChannel 0: yeah, I did consider changing some of the other ones as well for you. But every time we did have a little bit play around with it, the other investments are doing good and it works together as a portfolio. And the only one that we were kind of looking at changing that was underperforming was the Ben along\n\nChannel 1: The\n\nChannel 0: which\n\nChannel 1: Benelog,\n\nChannel 0: we have\n\nChannel 1: which you have changed.\n\nChannel 0: exact\n\nChannel 1: Yep.\n\nChannel 0: exactly. Now if you do wanna scroll down to\n\nChannel 1: Mhmm.\n\nChannel 0: page 23 for me.\n\nChannel 1: 28. One, two, three. Yep.\n\nChannel 0: Yep. Perfect. It just outlines the fee again for you. Now there is no additional fees and charges. Kind of like I mentioned last time, it stays exactly the same.\n\nSo if you are happy and you wanna go ahead with this one investment change there, Lauren, no additional fees. It's all part of the ongoing fee. Again, it stays exactly the same at 1.65, but no changes in regards through that. Now we have also\n\nChannel 1: Mhmm.\n\nChannel 0: listed underneath it your Neos insurances. Now I do wanna let you know that that is not you paying those. That is Neos. But for compliance purposes, we have to disclose any commissions we do receive so you are fully aware That is\n\nChannel 1: Yeah. Okay.\n\nChannel 0: 23% of the premium, and that is Neos paying us, like I said, and not you paying us. And\n\nChannel 1: Not\n\nChannel 0: it is\n\nChannel 1: me.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: same, yeah, it is the same for every single insurer out there. So it doesn't sway us in any way to, like, recommend one provider over the other. It's the same for every single provider and for every single adviser.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: It does. Yep.\n\nChannel 0: Yeah. Beautiful. And that was essentially everything. So very nice and easy and quick one today. So do you have any questions in regards to that, or what are your thoughts on that?\n\nChannel 1: No. It's makes makes\n\nChannel 0: No?\n\nChannel 1: perfect sense.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So, basically, from here is if you are happy to go ahead with the investment change, to move forward, it would then be to press sign or start, and\n\nChannel 1: Yes.\n\nChannel 0: it will prompt you to add a signature. Sometimes it will take you to a text box as well.\n\nChannel 1: Yep.\n\nChannel 0: It is just there if you would like to make a variation. Because we're just making one variation today, pretty straightforward, but it is more if if there was anything that you're like, yeah. No. I wanna do this or I don't wanna do this. This is\n\nChannel 1: Yes.\n\nChannel 0: where it would allow you to type anything. Sometimes you have to type something. You could just do NA or full stop if you're happy with it. Once you've then added the signature and the date, when you press validate, it will then send it back to me. And that tells me that you're happy with the change.\n\nAnd I will let the team know, and we can go ahead and make that change. But if you do wanna take some time, have a read over the document. You do have a bit of time as well. So it is completely up to you when you have time and what you would like to do as well, Lauren.\n\nChannel 1: No. It makes it makes sense. It's only that one change, so it's not yeah.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Just that\n\nChannel 1: Yep.\n\nChannel 0: one investment change.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Alright. Well, fine. Please sign. Yes. File.\n\nYes. Thank you. Date. Yeah. And that won't let me go next because it's got something I can oh, there's another box\n\nChannel 0: So\n\nChannel 1: there.\n\nChannel 0: the\n\nChannel 1: Well,\n\nChannel 0: tech\n\nChannel 1: I just\n\nChannel 0: spot.\n\nChannel 1: put in\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: Yep.\n\nChannel 1: I'll\n\nChannel 0: And they\n\nChannel 1: just put\n\nChannel 0: start like or full stop. Just\n\nChannel 1: I\n\nChannel 0: anything really.\n\nChannel 1: just yeah. It's only letting me do that thing.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna send a dollar right now.\n\nChannel 0: Because, yeah, usually, sometimes that's like a\n\nChannel 1: I\n\nChannel 0: little\n\nChannel 1: thought\n\nChannel 0: little\n\nChannel 1: I'd\n\nChannel 0: hold\n\nChannel 1: I\n\nChannel 0: up.\n\nChannel 1: thought I'd press something in there. It just kept going back there. I'm wondering. Okay. It's happening.\n\nI'm wondering.\n\nChannel 0: Like, sometimes it it's technology's great when it works, but sometimes it drives you crazy. And, yeah,\n\nChannel 1: Mhmm.\n\nChannel 0: amazing. I can already see it's come through on my end, so it's nice and quick. So I will let the the team know. We'll just go ahead and make that one investment\n\nChannel 1: Yep.\n\nChannel 0: change for you. Like I said, if there's anything else that you need at any point in time, though, let me know. Let me know if you do want the mortgage broker or anything to give you a call\n\nChannel 1: Yeah. 100\n\nChannel 0: to assess\n\nChannel 1: percent.\n\nChannel 0: any rates. Just let me know, obviously, how you're going. If you wanna catch up at any point in time, just let me know. I'm always there.\n\nChannel 1: Thanks, Veronica.\n\nChannel 0: Yeah. No problem at all. I hope\n\nChannel 1: Thank\n\nChannel 0: you enjoy\n\nChannel 1: you.\n\nChannel 0: the rest of your afternoon, and I look forward to speaking with you soon again.\n\nChannel 1: Thank you.\n\nChannel 0: No problem.\n\nChannel 1: Bye\n\nChannel 0: We'll speak\n\nChannel 1: bye.\n\nChannel 0: soon. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Lauren speaking.","start":0.64,"end":1.46,"sentiment":"neutral","sentiment_score":0.03431914001703262}],"sentiment":"neutral","sentiment_score":0.03431914001703262,"channel":1,"num_words":2,"start":0.64,"end":1.46},{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.28754132986068726},{"text":"This is Ranga from OQ Financial.","start":2.8,"end":4.58,"sentiment":"neutral","sentiment_score":0.26108328998088837},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.19335771600405374}],"sentiment":"neutral","sentiment_score":0.2474232316017151,"channel":0,"num_words":11,"start":2.1599998,"end":5.62},{"sentences":[{"text":"I'm well.","start":5.52,"end":6.0,"sentiment":"positive","sentiment_score":0.4296576827764511},{"text":"Thank you.","start":6.0,"end":6.74,"sentiment":"positive","sentiment_score":0.7088520526885986}],"sentiment":"positive","sentiment_score":0.5692548677325249,"channel":1,"num_words":4,"start":5.52,"end":6.74},{"sentences":[{"text":"That's good.","start":7.04,"end":7.94,"sentiment":"positive","sentiment_score":0.7050495147705078},{"text":"I had your booked in for us pretty quick today.","start":8.72,"end":11.3,"sentiment":"positive","sentiment_score":0.4559355050325394},{"text":"Just a bit of a catch up to see, after I did some research on your super investment.","start":11.599999,"end":15.94,"sentiment":"neutral","sentiment_score":0.19258364786704382},{"text":"Is 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recommendation on any financial product and make tailored financial advice, we have to put everything in a statement of advice for you to make sure you fully understand everything.","start":95.784996,"end":106.505,"sentiment":"neutral","sentiment_score":0.050748292293671206},{"text":"A lot of it is for compliances, so you will save 28 pages.","start":106.505,"end":110.19,"sentiment":"neutral","sentiment_score":0.2021693346592096},{"text":"I won't go through all of that because, otherwise, I keep it for a while and pretty straightforward today.","start":110.25,"end":114.090004,"sentiment":"positive","sentiment_score":0.34415251644034134},{"text":"So I will just touch on the main things, and then you're more than welcome to have a look through and read the document.","start":114.090004,"end":119.61,"sentiment":"positive","sentiment_score":0.45799275239308673},{"text":"It is pretty 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I","start":127.845,"end":131.125,"sentiment":"neutral","sentiment_score":0.20746246973673502}],"sentiment":"neutral","sentiment_score":0.2483042153928961,"channel":0,"num_words":28,"start":120.73,"end":131.125},{"sentences":[{"text":"Yep.","start":131.055,"end":131.555,"sentiment":"neutral","sentiment_score":0.21173135936260223}],"sentiment":"neutral","sentiment_score":0.21173135936260223,"channel":1,"num_words":1,"start":131.055,"end":131.555},{"sentences":[{"text":"am licensed under OQ Financial.","start":131.125,"end":132.985,"sentiment":"neutral","sentiment_score":0.17830765545368193},{"text":"And I do wanna let you know as well that on page two, it outlines the best interest duty.","start":134.18001,"end":139.24,"sentiment":"neutral","sentiment_score":0.16582029116781136},{"text":"Do you remember hearing about that at all before?","start":140.02,"end":142.28,"sentiment":"neutral","sentiment_score":0.03153183124959469}],"sentiment":"neutral","sentiment_score":0.131088190627369,"channel":0,"num_words":33,"start":131.125,"end":142.28},{"sentences":[{"text":"The what?","start":142.56,"end":143.04,"sentiment":"neutral","sentiment_score":-0.015688913874328136},{"text":"Sorry?","start":143.04,"end":143.54,"sentiment":"neutral","sentiment_score":-0.055513590574264526}],"sentiment":"neutral","sentiment_score":-0.028963806107640266,"channel":1,"num_words":3,"start":142.56,"end":143.54},{"sentences":[{"text":"Best interest duty?","start":144.02,"end":145.8,"sentiment":"neutral","sentiment_score":-0.046217843890190125}],"sentiment":"neutral","sentiment_score":-0.046217843890190125,"channel":0,"num_words":3,"start":144.02,"end":145.8},{"sentences":[{"text":"Best not 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we","start":162.26,"end":162.57999,"sentiment":"neutral","sentiment_score":0.014398772269487381}],"sentiment":"neutral","sentiment_score":0.12160159796476364,"channel":0,"num_words":40,"start":149.80501,"end":162.57999},{"sentences":[{"text":"Yep.","start":162.55501,"end":163.05501,"sentiment":"neutral","sentiment_score":-0.033757779747247696}],"sentiment":"neutral","sentiment_score":-0.033757779747247696,"channel":1,"num_words":1,"start":162.55501,"end":163.05501},{"sentences":[{"text":"can't actually make the recommendation.","start":162.57999,"end":164.12,"sentiment":"neutral","sentiment_score":-0.09110519587993622},{"text":"But, essentially,","start":164.65999,"end":165.37999,"sentiment":"neutral","sentiment_score":0.042974453419446945}],"sentiment":"neutral","sentiment_score":-0.052796724651541026,"channel":0,"num_words":7,"start":162.57999,"end":165.37999},{"sentences":[{"text":"Got it.","start":164.95,"end":165.34999,"sentiment":"neutral","sentiment_score":0.08249848708510399},{"text":"Okay.","start":165.34999,"end":165.84999,"sentiment":"neutral","sentiment_score":0.16135206818580627}],"sentiment":"neutral","sentiment_score":0.10878301411867142,"channel":1,"num_words":3,"start":164.95,"end":165.84999},{"sentences":[{"text":"it's just that in place to protect you and making sure that we do what we do does put you in a better position in the line with your goals, essentially.","start":165.37999,"end":172.84,"sentiment":"neutral","sentiment_score":0.314926877617836},{"text":"Does that make 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me.","start":189.65001,"end":192.07,"sentiment":"neutral","sentiment_score":0.05413965694606304}],"sentiment":"neutral","sentiment_score":0.1292296023004585,"channel":0,"num_words":27,"start":174.99501,"end":192.07},{"sentences":[{"text":"Now as you scroll through, you will see some some information about you.","start":192.29001,"end":197.91,"sentiment":"neutral","sentiment_score":0.08226907367889698},{"text":"Just from the fax line, you'll also see some general stuff in regards to your risk profile.","start":198.05,"end":203.345,"sentiment":"neutral","sentiment_score":0.08672609136385076},{"text":"We're not making any changes to that.","start":203.885,"end":205.885,"sentiment":"neutral","sentiment_score":-0.03368459695151874},{"text":"We are keeping you within the growth profile.","start":205.885,"end":208.70499,"sentiment":"neutral","sentiment_score":0.10798563528805971},{"text":"It's 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from OQ Financial, an insurance company, reach out to customers to provide guidance on reviewing and updating their insurance policies. The recommended portfolio outperformed the market and the fee is still the same. The customer is advised to stay within their growth profile and change only one investment. The speaker also explains that the recommended portfolio has outperformed the previous investment and emphasizes updating their insurance policy. The customer is advised to change their insurance policy and is given guidance on managing their high blood pressure and updating their Neos insurance policy. The speaker also explains that they will be available for any questions or concerns."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. That's fine.","start_word":59,"end_word":89,"intents":[{"intent":"Expedite call session","confidence_score":5.1644275e-8}]},{"text":"A lot of it is for compliances, so you will save 28 pages.","start_word":341,"end_word":353,"intents":[{"intent":"Save pages","confidence_score":0.12837538}]},{"text":"Do you remember hearing about that at all before? The what?","start_word":454,"end_word":464,"intents":[{"intent":"Discuss importance","confidence_score":0.000008844797}]},{"text":"Do you remember hearing about that at all before? The what? Sorry?","start_word":454,"end_word":465,"intents":[{"intent":"Ensure understanding","confidence_score":0.0011830595},{"intent":"Ensure awareness","confidence_score":0.00004785705}]},{"text":"Now what I will get you to do is just to kind of scroll through till page. Let me see here.","start_word":561,"end_word":581,"intents":[{"intent":"Scroll through","confidence_score":0.48950464}]},{"text":"So you are probably in the appendix. Sorry.","start_word":658,"end_word":665,"intents":[{"intent":"Use appendix","confidence_score":0.0003671211}]},{"text":"I'm like, I'm I'm not I don't have anything to look at. No. No.","start_word":708,"end_word":721,"intents":[{"intent":"Express frustration","confidence_score":0.0027627298},{"intent":"Decline recommendation","confidence_score":0.00011911675},{"intent":"Offer help","confidence_score":0.0010197029}]},{"text":"That is the appendix where the research goes.","start_word":722,"end_word":729,"intents":[{"intent":"Recall research","confidence_score":0.008012603}]},{"text":"And now that you're now that you're talking about best interest, you get it reads right there on the I'm looking going there's nothing Yes.","start_word":736,"end_word":760,"intents":[{"intent":"Verify information","confidence_score":0.0013588475}]},{"text":"But, yes, I'm I do glad see you that said now. something.","start_word":767,"end_word":778,"intents":[{"intent":"Confirm understanding","confidence_score":0.08680683}]},{"text":"I have thought to the with I have since been diagnosed with high blood pressure and started medication. Mhmm. Okay.","start_word":819,"end_word":838,"intents":[{"intent":"Discuss high blood pressure","confidence_score":0.00018395176}]},{"text":"The only reason is if we were looking at changing your insurances and more so increasing cover.","start_word":861,"end_word":877,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.10607137}]},{"text":"Because anything that would happen after you got your policy enforced so high blood pressure, it's super common. A lot of people have it in generally, after a while with medication, it's all managed. So it's not a big thing for insurance It's anyway.","start_word":973,"end_word":1016,"intents":[{"intent":"Explain policy impact","confidence_score":0.00018881726}]},{"text":"The only reason is sometimes if it's like a when were you diagnosed? When did you get the diagnosis? Do you remember?","start_word":1059,"end_word":1080,"intents":[{"intent":"Clarify diagnosis and treatment timeline","confidence_score":0.0000012931436}]},{"text":"Sometimes, if if you were to tell me, hey. I wanna increase my cover. I want a million dollars worth of life in TPD.","start_word":1088,"end_word":1111,"intents":[{"intent":"Increase coverage and comfort","confidence_score":0.00044252942}]},{"text":"I will make a note just in your your fax line, but no. I don't need to change any insurances or anything. And you are feeling okay otherwise? Yeah.","start_word":1215,"end_word":1243,"intents":[{"intent":"Make note of information","confidence_score":0.026137995}]},{"text":"Same with high high cholesterol. It's like almost It every all goes. second Yeah.","start_word":1258,"end_word":1271,"intents":[{"intent":"Discuss high cholesterol","confidence_score":0.024391845}]},{"text":"But, essentially, what I have recommended is stay in Hub twenty four and literally change one investment only. So it is very straightforward.","start_word":1377,"end_word":1399,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.17897823}]},{"text":"if there was any new products or features out there that was going to be better for you.","start_word":1428,"end_word":1445,"intents":[{"intent":"Discuss new products and features","confidence_score":0.045464944}]},{"text":"So you will see that by making that one investment change, and it's literally just one change, which is the Benelon who was underperforming a little bit through another option, it is saving about $333 in fees Yep.","start_word":1578,"end_word":1615,"intents":[{"intent":"Explain cost savings","confidence_score":0.013499971}]},{"text":"Now in terms of returns as well, I have listed the five year rolling average under there for you as well, which Yep. also shows you that over the last five year on a rolling basis as the recommended portfolio with that one investment change again has outperformed the change for you. So, again, it is making the performance a little bit better. It's also making Yes.","start_word":1626,"end_word":1692,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.039024826}]},{"text":"Now what you'll see here is a bit of an investment table. Now what you see in red at the top is what we are selling. So as you Yeah.","start_word":2015,"end_word":2044,"intents":[{"intent":"Update investment tables","confidence_score":0.00045124767}]},{"text":"there's usually just one switch, which is Yep. selling phenolong. Everything else stays the same.","start_word":2049,"end_word":2063,"intents":[{"intent":"Understand phenolong investments","confidence_score":9.3828146e-7}]},{"text":"Okay. 23% of the premium, and that is Neos paying us, like I said, and not you paying us. And Not it is me. the Yep. same, yeah, it is the same for every single insurer out there. So it doesn't sway us in any way to, like, recommend one provider over the other. It's the same for every single provider and for every single adviser. Yep.","start_word":2490,"end_word":2556,"intents":[{"intent":"Explain and clarify decision","confidence_score":0.000013962691}]},{"text":"And that tells me that you're happy with the change. And I will let the team know, and we can go ahead and make that change.","start_word":2754,"end_word":2779,"intents":[{"intent":"Change investment policy","confidence_score":0.00027354038}]}]},"sentiments":{"segments":[{"text":"Lauren speaking. Good afternoon. This is Ranga from OQ Financial. How are you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.213983491063118},{"text":"I'm well. Thank you. That's good. I had your booked in for us pretty quick today.","start_word":13,"end_word":28,"sentiment":"positive","sentiment_score":0.5300575494766235},{"text":"Just a bit of a catch up to see, after I did some research on your super investment. Is now Yep. still a good time? Yep. That's fine. Yep.","start_word":29,"end_word":57,"sentiment":"neutral","sentiment_score":0.1813359558582306},{"text":"Perfect.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.37807947397232056},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. That's fine. Perfect. And just your password on file for security, please. Lady. Yep.","start_word":59,"end_word":101,"sentiment":"neutral","sentiment_score":0.07515836507081985},{"text":"Beautiful.","start_word":102,"end_word":102,"sentiment":"positive","sentiment_score":0.38483744859695435},{"text":"Now before I do jump into it, I did wanted to see if you've had a chance to speak to your bank, how you went with that, or maybe not yet. Yeah. I haven't had a chance to see them, No. but That's fine. yeah. Yep. That's all good. When you do, though, like I said last time, if it is that you want more opinion, just let me know, and I can always get the mortgage broker to reach out. No rush, though, obviously. Just just let us know if it is something you are interested in. Mhmm. Yep. Perfect. Yep. Now do you have access to your emails at the moment or not I really do. Yeah. right now? Okay. Beautiful. So what I have done is I have to send you an email with the documents to go through if you have an option to bring that up for me. Yep. Yeah. Perfect. I was going to say it'll be a little bit slower because I've had because there's a bit of a storm happening here, so it's been a little bit slower, but it looks like you got it right away. So that's Yep. good. All good. Now every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in a statement of advice for you to make sure you fully understand everything. A lot of it is for compliances, so you will save 28 pages.","start_word":103,"end_word":352,"sentiment":"neutral","sentiment_score":0.06513060799241066},{"text":"I won't go through all of that because, otherwise, I keep it for a while and pretty straightforward today. So I will just touch on the main things, and then you're more than welcome to have a look through and read the document. It is pretty straightforward Mhmm. today. Otherwise, it is tailored specifically for you.","start_word":353,"end_word":408,"sentiment":"positive","sentiment_score":0.4105878174304962},{"text":"Now on the cover page there, you should see my details. You'll also see my authorized representative number, and I Yep. am licensed under OQ Financial. And I do wanna let you know as well that on page two, it outlines the best interest duty. Do you remember hearing about that at all before? The what? Sorry? Best interest duty? Best not really. No. That's okay. Essentially, what it means is that we have to act in your best interest at all time, and the adviser self has to put you in a better position as a result of the advice. Otherwise, we Yep. can't actually make the recommendation. But, essentially, Got it. Okay. it's just that in place to protect you and making sure that we do what we do does put you in a better position in the line with your goals, essentially. Does that make sense? Yep.","start_word":409,"end_word":558,"sentiment":"neutral","sentiment_score":0.1396477073431015},{"text":"Yeah. Beautiful.","start_word":559,"end_word":560,"sentiment":"positive","sentiment_score":0.4214504361152649},{"text":"Now what I will get you to do is just to kind of scroll through till page. Let me see here. Page 18 for me. Now as you scroll through, you will see some some information about you. Just from the fax line, you'll also see some general stuff in regards to your risk profile. We're not making any changes to that. We are keeping you within the growth profile. It's not Yep. taking on any more risk or anything Only like got that. It is something Yeah. nine pay something nine pages coming up. Or okay. So you are probably in the appendix. Sorry. I should have clarified that. If you click on the link where it says sign now, it will actually take you through the document, and it will Oh, allow sign you request. to view Yeah. Okay. it first. No worries. Yes. I'm like, I'm I'm not I don't have anything to look at. No. No. Apologies. That is the appendix where the research goes. So you're probably That's like, okay. And now that you're now that you're talking about best interest, you get it reads right there on the I'm looking going there's nothing Yes. about that on the second page.","start_word":561,"end_word":766,"sentiment":"neutral","sentiment_score":0.004806610782748287},{"text":"But, yes, I'm I do glad see you that said now.","start_word":767,"end_word":777,"sentiment":"positive","sentiment_score":0.4584090113639831},{"text":"something. And I'll just say, yeah. Yeah. Yeah. And then at the No. end, you're I'm like, like, I what don't know is what she you're talking talking about. What you're about? saying yeah. That's No. okay. Yes. I did Sorry. I have thought to the with I have since been diagnosed with high blood pressure and started medication. Mhmm. Okay. So I Yep. don't know. Is that yeah. Is that is that something that needs to be noted? Or No. Not really. The only reason is if we were looking at changing your insurances and more so increasing cover. So the good thing with the type of cover that you I'll just make a note on our end just for our reference just so we know, but Yeah. it doesn't I didn't wanna change. if if I had if something happened, I didn't wanna be like, oh, you can tell us that could mean to put a No. message. So yeah. And it it is good to tell, but in terms of your advice, it doesn't change anything.","start_word":778,"end_word":956,"sentiment":"neutral","sentiment_score":-0.03974418342113495},{"text":"The good thing is because you already have your insurance that's in place. That's great.","start_word":957,"end_word":971,"sentiment":"positive","sentiment_score":0.5538443922996521},{"text":"Yes. Because anything that would happen after you got your policy enforced so high blood pressure, it's super common. A lot of people have it in generally, after a while with medication, it's all managed. So it's not a big thing for insurance It's anyway. not no. I read yeah. I just No. thought when I was like, I'm like, I'm like, I didn't mention that. I'll talk about Yeah. that, and then at the text, and then I'm like, oh, hang on a second. It's fine. The only reason is sometimes if it's like a when were you diagnosed? When did you get the diagnosis? Do you remember? Like, literally last Friday? No. Okay. Cool. Sometimes, if if you were to tell me, hey. I wanna increase my cover. I want a million dollars worth of life in TPD. I would then say, okay. Well, the insurance might not like it right now because it's so new. So often when Mhmm. you've been on the medication for a couple of months and everything is, you know, under control, the doctor's happy, we could then look to do it. It's just a bit Yeah. new. I don't I If don't you wanna wanted change anything. to think, I just wanted to make no. a note of it so that it didn't come back as me, you know, being No. some sort of withholding, you know, No. information. No. Definitely not. And that's good. I will make a note just in your your fax line, but no. I don't need to change any insurances or anything. And you are feeling okay otherwise? Yeah. Fine. Yeah. Yeah. Yep. Beautiful. And it's so common. Show them to Yeah. people. Same with high high cholesterol. It's like almost It every all goes. second Yeah. It's person like 40 person. yeah. 40 Yeah. seven years It's old, perimenopausal, yeah. stressful job, It teenage happens. kids. Yeah. Count tell me someone who doesn't Who have doesn't? high blood pressure. Exactly. It's just whether it's diagnosed or not. But now yes. Sorry. If you could scroll to page 18, I believe I told you. Let me see. Mhmm. This just outlines the recommendations. I'll just touch on this here because it's usually a lot easier to see it. What I Yes. am saying is that it's outlining words further up for you and outlines everything, you know, a little bit more detail. But, essentially, what I have recommended is stay in Hub twenty four and literally change one investment only.","start_word":972,"end_word":1394,"sentiment":"neutral","sentiment_score":0.009852341603020964},{"text":"So it is very straightforward. As part of the research, so I did look at Hub twenty four, just making sure it's still going to be the best option for you or Yep.","start_word":1395,"end_word":1427,"sentiment":"positive","sentiment_score":0.3780514895915985},{"text":"if there was any new products or features out there that was going to be better for you.","start_word":1428,"end_word":1445,"sentiment":"neutral","sentiment_score":0.26974403858184814},{"text":"Because it is good for us to continuously do that research because things are always changing.","start_word":1446,"end_word":1461,"sentiment":"positive","sentiment_score":0.468669056892395},{"text":"At the moment, though, Hub twenty four is still very competitive.","start_word":1462,"end_word":1472,"sentiment":"neutral","sentiment_score":0.2636387348175049},{"text":"I use Hub twenty four for my personal super as well. It's very competitive when it comes through the the prices, but also investment choices and flexibility.","start_word":1473,"end_word":1499,"sentiment":"positive","sentiment_score":0.4669994115829468},{"text":"So I have recommended staying Hub twenty four for now and literally just change one investment. What? Fees or contributions Yes. or anything like that. Literally just one investment. But this here shows you from the number side of it how that one investment actually changes it. Yes. So you will see with Well the total cost, kind of at the under the Yep. is that Under sorry. net annual Yeah. cost. Yep. Total cost. Yeah. Yep. Exactly. So you will see that by making that one investment change, and it's literally just one change, which is the Benelon who was underperforming a little bit through another option, it is saving about $333 in fees Yep.","start_word":1500,"end_word":1615,"sentiment":"neutral","sentiment_score":0.14530949294567108},{"text":"a year, I which am. is Yep. pretty good.","start_word":1616,"end_word":1624,"sentiment":"positive","sentiment_score":0.3886721432209015},{"text":"Yeah.","start_word":1625,"end_word":1625,"sentiment":"neutral","sentiment_score":0.3290761113166809},{"text":"Now in terms of returns as well, I have listed the five year rolling average under there for you as well, which Yep. also shows you that over the last five year on a rolling basis as the recommended portfolio with that one investment change again has outperformed the change for you. So, again, it is making the performance a little bit better. It's also making Yes. it cheaper. And the good thing is as well that there is no capital gains tax with making that one investment change.","start_word":1626,"end_word":1714,"sentiment":"positive","sentiment_score":0.4753492966796575},{"text":"So there's no tax Yes.","start_word":1715,"end_word":1719,"sentiment":"neutral","sentiment_score":0.28912806510925293},{"text":"or anything like that, which is fantastic.","start_word":1720,"end_word":1726,"sentiment":"positive","sentiment_score":0.7273586988449097},{"text":"Now on the next page, which is page 19, Nineteen. it, yep, it then shows Yep. you as well five, ten, and thirteen years '19. for you, a bit of a projection so that you can see it. Now, obviously, you can't never guarantee what's going to happen with the market and the world, but that is also why we use the five year rolling average when we are using Mhmm. projections to give you a little bit more certainty of of what happened. So it does make a pretty big difference just by what making one switch, essentially. Yeah. And underneath that as well, you will then also see I've outlined a bit more on the return for you. So I've done the three years, five years, and the ten years.","start_word":1727,"end_word":1858,"sentiment":"neutral","sentiment_score":0.1083548441529274},{"text":"And you can see as well that for all the all the periods, the recommended has outperformed again, which Yes. is good.","start_word":1859,"end_word":1880,"sentiment":"positive","sentiment_score":0.3785862326622009},{"text":"Now Okey dokey. what that actually looks like in terms of the investment is if you wanna scroll up to page 17 for me first, Yep. and you can you see, like, a pie chart with an asset allocation table? Again. Yep. Perfect. Now this just shows you that that risk profile, that growth I mentioned. So you'll have your risk profile, which is that eighty twenty allocation, 80 to growth 20 to defensive. You'll have your existing and your proposed. And you can say between existing and proposed, there is literally no changes because we are changing one Australian equity for another Australian equity. So there's no increased risk or anything like that. Yep. Okay. So Yep.","start_word":1881,"end_word":1998,"sentiment":"neutral","sentiment_score":0.1176832765340805},{"text":"it's Beautiful.","start_word":1999,"end_word":2000,"sentiment":"positive","sentiment_score":0.4432298243045807},{"text":"yep. And then if you wanna scroll up to page 15 for me. Mhmm. Now what you'll see here is a bit of an investment table. Now what you see in red at the top is what we are selling. So as you Yeah. can see, Okay. there's usually just one switch, which is Yep. selling phenolong. Everything else stays the same. And at the bottom of that table, you will have the BetaShares Australia two 100. That is what we are switching it for. Yep. So Okay. it is swapping one Australian investment for another one because we still wanna make sure that you do have exposure to the Australian market. We don't want everything just like COVID. We wanna make sure it is diversified for you. Yes. So it is literally changing that. But instead of the it's like that kind of active management where they're trying to actively buy and sell different investments a bit more frequently in order to outperform the market, which is why they come at a little bit more expensive. The BetaShares Yes. Australia 200, it literally follows and tracks as the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets in the 200, it will add it to the list. If something gets smaller, it comes out.","start_word":2001,"end_word":2222,"sentiment":"neutral","sentiment_score":0.11076000185163172},{"text":"So because Yep. of that, it kind of makes it a bit easier and smoother for tracking purposes, a little bit Mhmm.","start_word":2223,"end_word":2244,"sentiment":"positive","sentiment_score":0.3677260875701904},{"text":"less fluctuations as well, and that price is a little bit cheaper as well. Does that make sense? Mhmm. Yeah.","start_word":2245,"end_word":2264,"sentiment":"neutral","sentiment_score":0.2479790151119232},{"text":"Perfect.","start_word":2265,"end_word":2265,"sentiment":"positive","sentiment_score":0.5106211304664612},{"text":"And that is essentially all the changes. All I the did changes. consider, Yep. yeah, I did consider changing some of the other ones as well for you.","start_word":2266,"end_word":2293,"sentiment":"neutral","sentiment_score":0.2008412778377533},{"text":"But every time we did have a little bit play around with it, the other investments are doing good and it works together as a portfolio.","start_word":2294,"end_word":2319,"sentiment":"positive","sentiment_score":0.3851407468318939},{"text":"And the only one that we were kind of looking at changing that was underperforming was the Ben along The which Benelog, we have which you have changed. exact Yep. exactly. Now if you do wanna scroll down to Mhmm. page 23 for me. 28. One, two, three. Yep. Yep.","start_word":2320,"end_word":2369,"sentiment":"neutral","sentiment_score":0.033594999462366104},{"text":"Perfect. It just outlines the fee again for you.","start_word":2370,"end_word":2378,"sentiment":"positive","sentiment_score":0.42036736011505127},{"text":"Now there is no additional fees and charges.","start_word":2379,"end_word":2386,"sentiment":"neutral","sentiment_score":0.27330586314201355},{"text":"Kind of like I mentioned last time, it stays exactly the same. So if you are happy and you wanna go ahead with this one investment change there, Lauren, no additional fees.","start_word":2387,"end_word":2418,"sentiment":"positive","sentiment_score":0.3938237391412258},{"text":"It's all part of the ongoing fee. Again, it stays exactly the same at 1.65, but no changes in regards through that. Now we have also Mhmm. listed underneath it your Neos insurances. Now I do wanna let you know that that is not you paying those. That is Neos. But for compliance purposes, we have to disclose any commissions we do receive so you are fully aware That is Yeah. Okay. 23% of the premium, and that is Neos paying us, like I said, and not you paying us. And Not it is me. the Yep. same, yeah, it is the same for every single insurer out there. So it doesn't sway us in any way to, like, recommend one provider over the other. It's the same for every single provider and for every single adviser. Yep. Does that make sense? It does. Yep. Yeah.","start_word":2419,"end_word":2564,"sentiment":"neutral","sentiment_score":0.05724244937300682},{"text":"Beautiful. And that was essentially everything. So very nice and easy and quick one today.","start_word":2565,"end_word":2579,"sentiment":"positive","sentiment_score":0.6962196230888367},{"text":"So do you have any questions in regards to that, or what are your thoughts on that? No. It's makes makes No? perfect sense. Yeah. Yep.","start_word":2580,"end_word":2605,"sentiment":"neutral","sentiment_score":0.1117662712931633},{"text":"Beautiful.","start_word":2606,"end_word":2606,"sentiment":"positive","sentiment_score":0.36745160818099976},{"text":"So, basically, from here is if you are happy to go ahead with the investment change, to move forward, it would then be to press sign or start, and Yes. it will prompt you to add a signature. Sometimes it will take you to a text box as well. Yep. It is just there if you would like to make a variation. Because we're just making one variation today, pretty straightforward, but it is more if if there was anything that you're like, yeah. No. I wanna do this or I don't wanna do this. This is Yes. where it would allow you to type anything. Sometimes you have to type something. You could just do NA or full stop if you're happy with it. Once you've then added the signature and the date, when you press validate, it will then send it back to me.","start_word":2607,"end_word":2752,"sentiment":"neutral","sentiment_score":0.07720433920621872},{"text":"And that tells me that you're happy with the change. And I will let the team know, and we can go ahead and make that change.","start_word":2753,"end_word":2778,"sentiment":"positive","sentiment_score":0.6362820863723755},{"text":"But if you do wanna take some time, have a read over the document. You do have a bit of time as well. So it is completely up to you when you have time and what you would like to do as well, Lauren. No. It makes it makes sense. It's only that one change, so it's not yeah. Exactly. Yeah. Yeah. Just that Yep. one investment change. Yep. Yep. Alright. Well, fine. Please sign. Yes. File. Yes.","start_word":2779,"end_word":2856,"sentiment":"neutral","sentiment_score":0.1299099326133728},{"text":"Thank you.","start_word":2857,"end_word":2858,"sentiment":"positive","sentiment_score":0.39319369196891785},{"text":"Date. Yeah. And that won't let me go next because it's got something I can oh, there's another box So there. the Well, tech I just spot. put in Yeah. a Yep. I'll And they just put start like or full stop. Just I anything really. just yeah. It's only letting me do that thing. Yeah. I'm not gonna send a dollar right now. Because, yeah, usually, sometimes that's like a I little thought little I'd hold I up. thought I'd press something in there. It just kept going back there. I'm wondering. Okay. It's happening. I'm wondering. Like, sometimes it it's technology's great when it works, but sometimes it drives you crazy. And, yeah, Mhmm.","start_word":2859,"end_word":2974,"sentiment":"neutral","sentiment_score":-0.0646718442440033},{"text":"amazing. I can already see it's come through on my end, so it's nice and quick. So I will let the the team know.","start_word":2975,"end_word":2998,"sentiment":"positive","sentiment_score":0.4655148386955261},{"text":"We'll just go ahead and make that one investment Yep. change for you. Like I said, if there's anything else that you need at any point in time, though, let me know. Let me know if you do want the mortgage broker or anything to give you a call Yeah. 100 to assess percent. any rates. Just let me know, obviously, how you're going. If you wanna catch up at any point in time, just let me know. I'm always there.","start_word":2999,"end_word":3079,"sentiment":"neutral","sentiment_score":0.14867131412029266},{"text":"Thanks, Veronica. Yeah. No problem at all. I hope Thank you enjoy you. the rest of your afternoon, and I look forward to speaking with you soon again. Thank you.","start_word":3080,"end_word":3109,"sentiment":"positive","sentiment_score":0.6453941464424133},{"text":"No problem. Bye We'll speak bye. soon. Bye. Bye.","start_word":3110,"end_word":3118,"sentiment":"neutral","sentiment_score":0.12395351380109788}],"average":{"sentiment":"neutral","sentiment_score":0.12422472668562486}}}}