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I had you booked in for it's a pretty quick catch up, really, just to go through the reset I did after our last conversation about, like, the SMA and different options for you. Is now still a good time? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our call is being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Yeah. Good. Good. Oh, lovely. Did you? That you should have just come all the way to the Gulf Coast, and we could have done it then. How are you? Oh. Oh, wow. Whereabouts on the Gold Coast, or whereabouts were you? Yeah. Oh, lovely. Yeah. Oh, lovely. Well, yeah, we're just up in Southport, so kind of northern end. But yeah. Yeah. Just just in Southport. Kind of just by the Broadwater, which which is really nice. Beautiful day today. I will try not to take up too much of your time. Now I have just sent you an email. Do you have access to your emails at the moment? Yep. Perfect. Just let me know when that one comes through. Okay? Yep. Yes. Yep. Perfect. Now if you can open that one for me, you will see before you click on the link where it says sign now, you will see a couple of attachments. I will let you have a read over them in your own time, but it's basically all just the supporting documents for the research. It's in there for you. There's a bit more information in regards to the SMA and other things as well, But don't need to find those. It's just there for your reference. But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything so you can look at everything and, obviously, make sure you're happy with it before signing anything. And let me know if you can see the cover page where it says statement of advice, and then you see a nice little photo of the Gold Coast. Yes. Yes. Perfect. Now do you remember our conversation a few weeks ago in regards to your superannuation and wanting to do some research on the the SMA and see if that was going to be a better option for you moving forward. Do you remember that? Yep. Okay. Perfect. So today is pretty straightforward. I've done all the research, and I have made a recommendation after what we spoke about. So today is just to kind of go through the recommendations. Now at the end of the day, it is completely up to you if you do wanna go ahead with the recommendations or not. Mhmm. Yes. So I will go through this in detail with you here, explaining exactly what it is. I will also get you to, you know, have a reader because it is quite long. It's thirty three pages. Everything you need to know is in there. I'll go through kind of the main points for you, and then you can kind of read through a lot of it yourself as well. But I'll go through kind of the main sections today. But before I kind of do it go any further as well, just on the cover page, you will see that this is tailored specifically for you, and you will have my authorized representative number listed there. And I'm obviously licensed under OCU Financial. Underneath that, you'll see all our contact details, where we're located, and stuff like that. Now, yeah, on the second page for me, you will see the best interest duty. Can you see that? Yep. Perfect. Now, basically, what this is is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me. So there's a lot in place to, obviously, protect you and making sure that what we are recommending is just for your benefit. Yes. Perfect. Now as you scroll through table of content, pretty self explanatory, you will then have scope of advice. Can you see that? Yeah. Perfect. Now this is just kind of the areas we are focusing on today. So pretty straightforward. The main the main focus is your superannuation, making sure that we can maximize that growth as much as possible while you do have plenty of time until retirement. Also, with your insurances, we kind of spoke about that in length last time. At the moment, it's quite affordable for you, and you're quite happy with it, so not making any changes to your insurances. And then on the next page is just areas where not making it. Yeah. Australia Super? Yep. Mhmm. Mhmm. It's usually when you are per month or per year per month. So you only pay let me see here. Sorry. How it's based? Because this is group cover. So it's based and tailored on your age. So the older you get, the less cover you have. So if he is younger than you, then that makes sense because the older you get, the less cover it you have and also the more expensive the cover becomes. Because in insurance line, they are the older you get, there's a higher risk of something happening. So it does become more expensive the older you get, and you're also covered for less. Now you pay on a monthly basis, you pay $13.26. And it's actually outlined on page eight. If you wanna scroll down to page eight, the other two pages that you scroll through, there's just some just some information about you, just your assets and liabilities. But on page eight, you see your current due preannuation. That will have your insurances listed underneath that as well. Yep. So the premium there, 159, that's per year. So per month, that's, yeah, $13.26, which is which is quite cheap. And you do have your life and TCD at that 215,040. Every year, they will get less. So if there's ever a situation you do wanna revisit it later, we can always have a look at it. If you want more cover, it will be more expensive. Yep. Otherwise, you have, obviously, your superannuation with hub twenty four. On the next page, you will see your risk profile. Can you see that okay? Yep. Perfect. So when we kind of spoke about it last time, we kind of agreed that you are currently in a high growth portfolio. It's very suitable for where you are at at the moment in terms of a time frame, but also kind of your risk tolerance. And the focus is to try to grow your super as much as possible before retirement. So it's definitely suitable for you. We are not making any changes in your risk profile. Just basically focusing on those investments tryna improve the returns a little bit there for you. Does that all make sense so far? Yeah. Perfect. Now what I might get you to do, actually so on page 11, you will see and this is where I'll get you to have a read over in your own time. You will see the actual recommendation outlined. And there's a lot of kind of wording in regards to factors I did consider, research, why I did decide to proceed with the SMA instead of other options because I did a lot of research on other portfolios as well because we have to make sure that the SMA is suitable for you, and it will put you in a better position so that it will make the fees cheaper and also also improve the return. So that was an important thing in making the consideration. I also researched other options. So outside hub 24 just to make sure the hub 24 is still the best competitive option for you because there's always new products and features that comes out. So it is good to, you know, make sure that that's still competitive, and it very much is. It's very competitive when it comes to, you know, the fees for similar options and gives you so many choices in terms of investment flexibility. Now as you kind of read through this again on your own time, you will see advantages associated with the recommendation, the disadvantages. I will highlight a few of them, but I'll show you the table because it's a bit easier. Also, there's a lot more in regards to the SMA. So on page 13, again, a bit more information on why it's really beneficial as well. Obviously, we have merged with BlackRock in putting this as the mate together. So he joined our investment committee as well as BlackRock, which is one of the biggest fund managers in the world. So, obviously, combining all that expertise is really good. We also get to utilize all of their research programs in assessing investments, all their, you know, the risks and volatilities and stuff like that. They have really good softwares to kind of project and forecast a lot of that, which is really, really beneficial, especially when there's a lot of, you know, fluctuations and stuff going on in the world at the moment. But the biggest thing with the SMA in what made it so it so competitive for you is that it allows us to make those underlying changes to your portfolio very quickly. So, for example, in, obviously, today's market condition, like we said, if there is one investment that has been underperforming and we wanted to go ahead and make the change in your current style of how it's set up, I would obviously go and do all the research. We will then put together everything like we're going through today. You would have to sign and agree to the change before we can make it. Now that Exactly. Yeah. It's a it's a separate. So we we still do it with them. So it's a joint. So we have our it's a joint. Yeah. So you can just Google in BlackRock, and you'll see that they are one of the biggest investment managers in the world. They are massive. So we have partnered up with that. So we still are very much involved. So we are working alongside them to come up with the best portfolio together. No. Only the so we only do the investment side of it. They don't have any authority to make any changes or anything like that. They only choose the investment alongside with us. So we go ahead and make those changes. So they don't have access to withdraw money or nothing like that at all. Yeah. But the biggest thing with the SMA concept is that it avoids us having to do these SOAs for minor changes. So if it's just we're swapping out one investment, let's say there is one that's, you know, there is something happening in the world and in in a sector that we wanna change out, we can make those changes really quickly in the back end to let you still know of the changes. And when you go into your Hub twenty four account, you can see the changes there. So you still have the full visibility when you log in, but it just means that we can make it really quickly, which is what you also want to do when there are obviously a bit of fluctuations. Because if you foresee that you wanna make a change, because the market can obviously fluctuate on a daily basis and there's things that can change very quickly, us having the option of making those changes quickly means that we can utilize that, which is really good. Otherwise, the way things are now is that when we spoke last, it's been a couple of weeks. And during that time, there's a lot that could happen. And if we wanted to make a change quickly, the market could have, let's say, dropped further. Yeah. So yeah. Oh, perfect. Yeah. That's good. Now I wanna show you just on on a on a dollar figure as well how it changes because that's usually pretty good as well, which is page 18, which you may kind of be up to. Yep. So this just puts everything kind of on a dollar figure for you to make it easy. Now the good thing with the the SMA that I have recommended, it is on still within Hub 24, but it is on one of their cheaper product offering, which actually means that you are saving quite a bit in admin fee. So you can see the difference in admin fees is about $270. That is just the cost savings from the platform, which is really good. Aside from that, you can also see that the investment fees are cheaper. So, again, $304 cheaper than your current investment. So, overall, we're factoring in everything. It's a difference of about $561 per year. So it does make quite a big difference. Now you can see underneath it as well that with the return. So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same. So even though we are making it cheaper, the performance have also been better. So, overall, that's obviously putting in a lot better position, which you can actually see on the following page versus page 19. You can then see kind of projected forward five and ten years, and you can see even in five years, that it's a pretty big difference by just making those couple of changes. It's both. So it's factoring in reducing fees and the better performer. But yes. Yeah. No. Good, though. Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments. When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation. Now we've kinda minimized that as much as possible, and it does change kind of on a daily when you calculate it, but it will be around $505 as a one off when we make the changes on your investment. And that is purely the tax that will come out. Does that so that is page 18 again on that table at the top of where it says the balance difference. That's the only reason why it's the $505 difference in the balance is the estimated tax. Yep. Does that make sense? Yep. Great. Perfect. Now what I'll get you to do is just scroll up for me on page 16. 16. Sorry. Yes. Yes. No. This is pretty straightforward. It just shows you your current investment. We are selling out of them and swapping you into the SMA. Now with the SMA, we're doing a fifty fifty into two different ones, and that's to give you the closest asset allocation and keeping you in a high growth portfolio and also having diversification. Now when you then go into your hub 24 when we've made the changes here, you can just see that it is the SMA, which allows us to make those changes quickly. But when you actually go into your hub 24 when we've made the change and you click on this, you can see all the underlying investment as well. So you still have that oversight. Yep. Now Yes. The only the only difference is the tax that will come out, which is about 505 that will come out. Yes. But, otherwise, yes, it will just cross straight over just the tax that will come out, which can obviously, depending on what what the market price is, be a little bit little bit different, but it will be around 505. But even on the cost saving in the platform and investment fees alone, you will make that up very quickly. Yep. Now on page 17, you can see how that reflects in, like, a pie chart on the table. Can you see that? Yep. So you'll have your risk profile, which is that high growth ninety ten, about 90 in your growth investment, and 10 in defensive, your existing portfolio, and then the proposed. So you can set up a post a little bit closer aligned to your risk profile as well. Both very much within the range of a high growth, but a little bit closer. Yep. Perfect. Now most of this kind of what I've gone through is in, like, writing in words for you as well so that you can have a read over it. But before I kind of move on to the salary sacrifice, do you have any other questions so far, or is that pretty straightforward? Yep. Perfect. Now if you can scroll through page 20 for me. Yep. So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month. So I've just included this here for you to show you. A $100 per month to 2 50 per month. Yeah. So I've shown you what that looks like on a number side. So on this table here on page 20, you can see how that reflects. So you can basically see your income is the same, but, obviously, after tax, by increasing your salary sacrifice, you can see the net income difference. So it's about 1,224 less in your pocket per year by salary sacrificing. Yeah. Now on on the plus side, underneath it, you have how that reflects in contributions. So the total net contributions there, you will see current and proposed. So you will have an extra $1,800 into super. So on a net saving, by doing it so, basically, what you are saving in tax, by do by increasing that little bit, it's saving you about 576. And that's the difference between the net income and the total contribution. So it does make a it does make a bit pretty big difference from just a tax savings, plus you get, obviously, more into super to boost that and make it work a little bit harder for you. Does that make sense? Yep. Yes. Yep. Perfect. Do you know roughly? Yeah. Yes. Perfect. And we can keep a lookout for it as well. And the good thing with salary sacrifice is that you can change it whenever. So if it's ever that your situation changed, you have more expenses, you can stop it, You can increase it. You you can change it based on it's not you can just talk to your employer about it and change it, which is very easy. So that's good. The only thing to be mindful of is that, obviously, putting it into super, it is that it is locked in until you meet a condition of a late. So for example, turning 60 and stop working. So that's the only kind of thing to be mindful of is the more that you put in, the more you have for retirement and the more you save in tax, but it will kind of be locked in just so, you know, you don't need that short term. Yep. Perfect. Now the last thing I do wanna kind of mention, so you'll have kind of your insurances. We're not making any changes. That's pretty straightforward for you. The last thing I do wanna kind of mention is just the remuneration, and that is page 28. It's ultimately up to you. I know that when we spoke last time, we were looking at potentially increasing it. But you mentioned that, obviously, by increasing the cover, it will cost more. So it's it's up to you at the end of day and what you want to have happen if something were to happen to you and your family situation. So if you feel like you want more cover, we can go down and explore that for you. How that process would work is that I would book you in for kind of an in-depth pre assessment with the team. It's kind of a questionnaire to go into health and lifestyle and occupation in a bit more detail. What that gives me is more than an in-depth situation on that. I will send it off to all the insurers out there who would then give me an assessment on what covers are available and what cost it would be based on your specific situation. Is that something you want to go down a bit further? Or or whenever you are ready, you can just send me an email, give me a call, and we can always have a look at it whenever. It doesn't have to be under review. It can be whenever you want to do it. Yep. So have a little think about it. And if you feel like you want to go down it, we definitely can. Out of the service, you just give me an email, call the office, and say, hey. I wanna talk a bit more about my insurances, and we can definitely have a look at that for you. Perfect. No. That's okay. Now the last thing I wanted to say about was obviously the remuneration. There is absolutely no changes in the fee. So if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change. It is just that standard 1.65 ongoing advice fee that you pay for your ongoing service. No changes in regards to the fee and no additional charges for this advice or anything like that. It's all part of the ongoing advice fee. That make sense? Yep. Perfect. Now I will let you go. Have a read through the document. Any questions, let me know. If you have a read through it and you are happy and you would like to go ahead with a change, from here is that you would then click sign on the document. It will prompt you to put your name and date. There is also a section where it asks you if you would like to make variations. If you wanna change anything, you can type it in here. If there's no changes, it won't let you go further, but you can just put NA or just the full stop. You just have to put something. And then once it's finished, it will come back to me, and then I will let the team know to go ahead with the change. So that's basically kind of from here. Do you have any other questions for me, Abai, before I let you go and enjoy the rest of your afternoon? Yeah. No. That's a very good question. And it's in regards to a lot of it is a balance, but also investment choices. So Discovery is your kind of your more bare minimum product. It's your cheapest option, but very limited in terms of investment choices. So, typically, if it's suitable, this is this is a option we would choose within hub twenty four if a client has very little super. Because it's cheaper, but you don't have the same flexibility on investment. So we can't do the SMA and even your old portfolio in that option because it doesn't have as many choice. So this typically is more someone typically kind of starting out with a lower balance because it's cheaper until they've kind of built their balance up a little bit more and can have a little bit higher fees to increase their returns and have more choices. Now your choice is what you were on before. So that is the the highest Yeah. Correct. So so we're switching to true core because it's slightly cheaper. It's kind of in the middle. And the good thing with the estimate, it is available on that product, and it means that you have less fees. But still within hub twenty four, and we would do all that change for you in the meantime. But it's a very, very good question. If you think of anything else, sorry, always give me a call or send me an email. Have a read through the document. But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are. If you are happy, just sign the document, and we'll get notified and can take it from here. Oh, great. Perfect. I will let the team know. Now like I said as well, if you had ever at any point want to explore your insurances in a bit bit more detail, have a think about it. Just send me an email, let the team know. We can always have a look at it. And the last thing I do wanna mention as well is that the ID that we have on file for you has expired. So did you recently receive a new driver's license or anything a little while ago? Yeah. When you have a moment, would you be able to send a photo of the front and the back of that email? Sorry. The front and the back of your license through through our email. And the email address is servicing@oqfinancial.com.au. Or would you like me to get my team to send you an email, and then you can just respond to that? Yeah. Okay. Perfect. I'll I'll get them to do that. So when you have a moment, just take a quick photo of the front and the back. Just for compliance, we'll save that on file for you. So that was basically everything today, so I will let the team know to go ahead and make these change. Anything else or any questions you have at any point in time, don't hesitate to give me a call. Okay? Yeah. It will be faster. So with those ones, it's more because we can't actually we in the old system, we couldn't actually change our investments without you signing and approving anything. So what you got from Hub twenty four was most likely transaction reports automatically from them. So when your employer makes contributions into super, obviously, your money doesn't stay in cash. It gets reinvested into your investment. So that's usually what those reports would be to let you know that it's been invested into your portfolio. So now the good thing with the SMA is that when we make changes to your investment, we can send you the the information so you can have a read over and see the changes. You don't need to action or do anything. It would just be for your awareness if you wanted to know. Yay. Yes. So Yes. Well, we couldn't have made they couldn't have done any changes to the investments because you had to have approved it. Yeah. Does that make sense? Yes. Perfect. Well, I will let you go. Like I said, anything you need, just let me know. Mhmm. No problem. You too. 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afternoon. Is this a buyer? This is Veronica from Financial. How are you? Good.\n\nThanks. I had you booked in for it's a pretty quick catch up, really, just to go through the reset I did after our last conversation about, like, the SMA and different options for you. Is now still a good time? Yeah. Perfect.\n\nNow just before I do go any further, I just need to let you know that our call is being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy? Yeah. Good. Good.\n\nOh, lovely. Did you? That you should have just come all the way to the Gulf Coast, and we could have done it then. How are you? Oh.\n\nOh, wow. Whereabouts on the Gold Coast, or whereabouts were you? Yeah. Oh, lovely. Yeah.\n\nOh, lovely. Well, yeah, we're just up in Southport, so kind of northern end. But yeah. Yeah. Just just in Southport.\n\nKind of just by the Broadwater, which which is really nice. Beautiful day today. I will try not to take up too much of your time. Now I have just sent you an email. Do you have access to your emails at the moment?\n\nYep. Perfect. Just let me know when that one comes through. Okay? Yep.\n\nYes. Yep. Perfect. Now if you can open that one for me, you will see before you click on the link where it says sign now, you will see a couple of attachments. I will let you have a read over them in your own time, but it's basically all just the supporting documents for the research.\n\nIt's in there for you. There's a bit more information in regards to the SMA and other things as well, But don't need to find those. It's just there for your reference. But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything so you can look at everything and, obviously, make sure you're happy with it before signing anything. And let me know if you can see the cover page where it says statement of advice, and then you see a nice little photo of the Gold Coast.\n\nYes. Yes. Perfect. Now do you remember our conversation a few weeks ago in regards to your superannuation and wanting to do some research on the the SMA and see if that was going to be a better option for you moving forward. Do you remember that?\n\nYep. Okay. Perfect. So today is pretty straightforward. I've done all the research, and I have made a recommendation after what we spoke about.\n\nSo today is just to kind of go through the recommendations. Now at the end of the day, it is completely up to you if you do wanna go ahead with the recommendations or not. Mhmm. Yes. So I will go through this in detail with you here, explaining exactly what it is.\n\nI will also get you to, you know, have a reader because it is quite long. It's thirty three pages. Everything you need to know is in there. I'll go through kind of the main points for you, and then you can kind of read through a lot of it yourself as well. But I'll go through kind of the main sections today.\n\nBut before I kind of do it go any further as well, just on the cover page, you will see that this is tailored specifically for you, and you will have my authorized representative number listed there. And I'm obviously licensed under OCU Financial. Underneath that, you'll see all our contact details, where we're located, and stuff like that. Now, yeah, on the second page for me, you will see the best interest duty. Can you see that?\n\nYep. Perfect. Now, basically, what this is is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license.\n\nAnd if I lose my license, I will lose my job, and my husband at home won't be too happy with me. So there's a lot in place to, obviously, protect you and making sure that what we are recommending is just for your benefit. Yes. Perfect. Now as you scroll through table of content, pretty self explanatory, you will then have scope of advice.\n\nCan you see that? Yeah. Perfect. Now this is just kind of the areas we are focusing on today. So pretty straightforward.\n\nThe main the main focus is your superannuation, making sure that we can maximize that growth as much as possible while you do have plenty of time until retirement. Also, with your insurances, we kind of spoke about that in length last time. At the moment, it's quite affordable for you, and you're quite happy with it, so not making any changes to your insurances. And then on the next page is just areas where not making it. Yeah.\n\nAustralia Super? Yep. Mhmm. Mhmm. It's usually when you are per month or per year per month.\n\nSo you only pay let me see here. Sorry. How it's based? Because this is group cover. So it's based and tailored on your age.\n\nSo the older you get, the less cover you have. So if he is younger than you, then that makes sense because the older you get, the less cover it you have and also the more expensive the cover becomes. Because in insurance line, they are the older you get, there's a higher risk of something happening. So it does become more expensive the older you get, and you're also covered for less. Now you pay on a monthly basis, you pay $13.26.\n\nAnd it's actually outlined on page eight. If you wanna scroll down to page eight, the other two pages that you scroll through, there's just some just some information about you, just your assets and liabilities. But on page eight, you see your current due preannuation. That will have your insurances listed underneath that as well. Yep.\n\nSo the premium there, 159, that's per year. So per month, that's, yeah, $13.26, which is which is quite cheap. And you do have your life and TCD at that 215,040. Every year, they will get less. So if there's ever a situation you do wanna revisit it later, we can always have a look at it.\n\nIf you want more cover, it will be more expensive. Yep. Otherwise, you have, obviously, your superannuation with hub twenty four. On the next page, you will see your risk profile. Can you see that okay?\n\nYep. Perfect. So when we kind of spoke about it last time, we kind of agreed that you are currently in a high growth portfolio. It's very suitable for where you are at at the moment in terms of a time frame, but also kind of your risk tolerance. And the focus is to try to grow your super as much as possible before retirement.\n\nSo it's definitely suitable for you. We are not making any changes in your risk profile. Just basically focusing on those investments tryna improve the returns a little bit there for you. Does that all make sense so far? Yeah.\n\nPerfect. Now what I might get you to do, actually so on page 11, you will see and this is where I'll get you to have a read over in your own time. You will see the actual recommendation outlined. And there's a lot of kind of wording in regards to factors I did consider, research, why I did decide to proceed with the SMA instead of other options because I did a lot of research on other portfolios as well because we have to make sure that the SMA is suitable for you, and it will put you in a better position so that it will make the fees cheaper and also also improve the return. So that was an important thing in making the consideration.\n\nI also researched other options. So outside hub 24 just to make sure the hub 24 is still the best competitive option for you because there's always new products and features that comes out. So it is good to, you know, make sure that that's still competitive, and it very much is. It's very competitive when it comes to, you know, the fees for similar options and gives you so many choices in terms of investment flexibility. Now as you kind of read through this again on your own time, you will see advantages associated with the recommendation, the disadvantages.\n\nI will highlight a few of them, but I'll show you the table because it's a bit easier. Also, there's a lot more in regards to the SMA. So on page 13, again, a bit more information on why it's really beneficial as well. Obviously, we have merged with BlackRock in putting this as the mate together. So he joined our investment committee as well as BlackRock, which is one of the biggest fund managers in the world.\n\nSo, obviously, combining all that expertise is really good. We also get to utilize all of their research programs in assessing investments, all their, you know, the risks and volatilities and stuff like that. They have really good softwares to kind of project and forecast a lot of that, which is really, really beneficial, especially when there's a lot of, you know, fluctuations and stuff going on in the world at the moment. But the biggest thing with the SMA in what made it so it so competitive for you is that it allows us to make those underlying changes to your portfolio very quickly. So, for example, in, obviously, today's market condition, like we said, if there is one investment that has been underperforming and we wanted to go ahead and make the change in your current style of how it's set up, I would obviously go and do all the research.\n\nWe will then put together everything like we're going through today. You would have to sign and agree to the change before we can make it. Now that Exactly. Yeah. It's a it's a separate.\n\nSo we we still do it with them. So it's a joint. So we have our it's a joint. Yeah. So you can just Google in BlackRock, and you'll see that they are one of the biggest investment managers in the world.\n\nThey are massive. So we have partnered up with that. So we still are very much involved. So we are working alongside them to come up with the best portfolio together. No.\n\nOnly the so we only do the investment side of it. They don't have any authority to make any changes or anything like that. They only choose the investment alongside with us. So we go ahead and make those changes. So they don't have access to withdraw money or nothing like that at all.\n\nYeah. But the biggest thing with the SMA concept is that it avoids us having to do these SOAs for minor changes. So if it's just we're swapping out one investment, let's say there is one that's, you know, there is something happening in the world and in in a sector that we wanna change out, we can make those changes really quickly in the back end to let you still know of the changes. And when you go into your Hub twenty four account, you can see the changes there. So you still have the full visibility when you log in, but it just means that we can make it really quickly, which is what you also want to do when there are obviously a bit of fluctuations.\n\nBecause if you foresee that you wanna make a change, because the market can obviously fluctuate on a daily basis and there's things that can change very quickly, us having the option of making those changes quickly means that we can utilize that, which is really good. Otherwise, the way things are now is that when we spoke last, it's been a couple of weeks. And during that time, there's a lot that could happen. And if we wanted to make a change quickly, the market could have, let's say, dropped further. Yeah.\n\nSo yeah. Oh, perfect. Yeah. That's good. Now I wanna show you just on on a on a dollar figure as well how it changes because that's usually pretty good as well, which is page 18, which you may kind of be up to.\n\nYep. So this just puts everything kind of on a dollar figure for you to make it easy. Now the good thing with the the SMA that I have recommended, it is on still within Hub 24, but it is on one of their cheaper product offering, which actually means that you are saving quite a bit in admin fee. So you can see the difference in admin fees is about $270. That is just the cost savings from the platform, which is really good.\n\nAside from that, you can also see that the investment fees are cheaper. So, again, $304 cheaper than your current investment. So, overall, we're factoring in everything. It's a difference of about $561 per year. So it does make quite a big difference.\n\nNow you can see underneath it as well that with the return. So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same. So even though we are making it cheaper, the performance have also been better. So, overall, that's obviously putting in a lot better position, which you can actually see on the following page versus page 19. You can then see kind of projected forward five and ten years, and you can see even in five years, that it's a pretty big difference by just making those couple of changes.\n\nIt's both. So it's factoring in reducing fees and the better performer. But yes. Yeah. No.\n\nGood, though. Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments. When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation. Now we've kinda minimized that as much as possible, and it does change kind of on a daily when you calculate it, but it will be around $505 as a one off when we make the changes on your investment. And that is purely the tax that will come out.\n\nDoes that so that is page 18 again on that table at the top of where it says the balance difference. That's the only reason why it's the $505 difference in the balance is the estimated tax. Yep. Does that make sense? Yep.\n\nGreat. Perfect. Now what I'll get you to do is just scroll up for me on page 16. 16. Sorry.\n\nYes. Yes. No. This is pretty straightforward. It just shows you your current investment.\n\nWe are selling out of them and swapping you into the SMA. Now with the SMA, we're doing a fifty fifty into two different ones, and that's to give you the closest asset allocation and keeping you in a high growth portfolio and also having diversification. Now when you then go into your hub 24 when we've made the changes here, you can just see that it is the SMA, which allows us to make those changes quickly. But when you actually go into your hub 24 when we've made the change and you click on this, you can see all the underlying investment as well. So you still have that oversight.\n\nYep. Now Yes. The only the only difference is the tax that will come out, which is about 505 that will come out. Yes. But, otherwise, yes, it will just cross straight over just the tax that will come out, which can obviously, depending on what what the market price is, be a little bit little bit different, but it will be around 505.\n\nBut even on the cost saving in the platform and investment fees alone, you will make that up very quickly. Yep. Now on page 17, you can see how that reflects in, like, a pie chart on the table. Can you see that? Yep.\n\nSo you'll have your risk profile, which is that high growth ninety ten, about 90 in your growth investment, and 10 in defensive, your existing portfolio, and then the proposed. So you can set up a post a little bit closer aligned to your risk profile as well. Both very much within the range of a high growth, but a little bit closer. Yep. Perfect.\n\nNow most of this kind of what I've gone through is in, like, writing in words for you as well so that you can have a read over it. But before I kind of move on to the salary sacrifice, do you have any other questions so far, or is that pretty straightforward? Yep. Perfect. Now if you can scroll through page 20 for me.\n\nYep. So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month. So I've just included this here for you to show you. A $100 per month to 2 50 per month. Yeah.\n\nSo I've shown you what that looks like on a number side. So on this table here on page 20, you can see how that reflects. So you can basically see your income is the same, but, obviously, after tax, by increasing your salary sacrifice, you can see the net income difference. So it's about 1,224 less in your pocket per year by salary sacrificing. Yeah.\n\nNow on on the plus side, underneath it, you have how that reflects in contributions. So the total net contributions there, you will see current and proposed. So you will have an extra $1,800 into super. So on a net saving, by doing it so, basically, what you are saving in tax, by do by increasing that little bit, it's saving you about 576. And that's the difference between the net income and the total contribution.\n\nSo it does make a it does make a bit pretty big difference from just a tax savings, plus you get, obviously, more into super to boost that and make it work a little bit harder for you. Does that make sense? Yep. Yes. Yep.\n\nPerfect. Do you know roughly? Yeah. Yes. Perfect.\n\nAnd we can keep a lookout for it as well. And the good thing with salary sacrifice is that you can change it whenever. So if it's ever that your situation changed, you have more expenses, you can stop it, You can increase it. You you can change it based on it's not you can just talk to your employer about it and change it, which is very easy. So that's good.\n\nThe only thing to be mindful of is that, obviously, putting it into super, it is that it is locked in until you meet a condition of a late. So for example, turning 60 and stop working. So that's the only kind of thing to be mindful of is the more that you put in, the more you have for retirement and the more you save in tax, but it will kind of be locked in just so, you know, you don't need that short term. Yep. Perfect.\n\nNow the last thing I do wanna kind of mention, so you'll have kind of your insurances. We're not making any changes. That's pretty straightforward for you. The last thing I do wanna kind of mention is just the remuneration, and that is page 28. It's ultimately up to you.\n\nI know that when we spoke last time, we were looking at potentially increasing it. But you mentioned that, obviously, by increasing the cover, it will cost more. So it's it's up to you at the end of day and what you want to have happen if something were to happen to you and your family situation. So if you feel like you want more cover, we can go down and explore that for you. How that process would work is that I would book you in for kind of an in-depth pre assessment with the team.\n\nIt's kind of a questionnaire to go into health and lifestyle and occupation in a bit more detail. What that gives me is more than an in-depth situation on that. I will send it off to all the insurers out there who would then give me an assessment on what covers are available and what cost it would be based on your specific situation. Is that something you want to go down a bit further? Or or whenever you are ready, you can just send me an email, give me a call, and we can always have a look at it whenever.\n\nIt doesn't have to be under review. It can be whenever you want to do it. Yep. So have a little think about it. And if you feel like you want to go down it, we definitely can.\n\nOut of the service, you just give me an email, call the office, and say, hey. I wanna talk a bit more about my insurances, and we can definitely have a look at that for you. Perfect. No. That's okay.\n\nNow the last thing I wanted to say about was obviously the remuneration. There is absolutely no changes in the fee. So if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change. It is just that standard 1.65 ongoing advice fee that you pay for your ongoing service. No changes in regards to the fee and no additional charges for this advice or anything like that.\n\nIt's all part of the ongoing advice fee. That make sense? Yep. Perfect. Now I will let you go.\n\nHave a read through the document. Any questions, let me know. If you have a read through it and you are happy and you would like to go ahead with a change, from here is that you would then click sign on the document. It will prompt you to put your name and date. There is also a section where it asks you if you would like to make variations.\n\nIf you wanna change anything, you can type it in here. If there's no changes, it won't let you go further, but you can just put NA or just the full stop. You just have to put something. And then once it's finished, it will come back to me, and then I will let the team know to go ahead with the change. So that's basically kind of from here.\n\nDo you have any other questions for me, Abai, before I let you go and enjoy the rest of your afternoon? Yeah. No. That's a very good question. And it's in regards to a lot of it is a balance, but also investment choices.\n\nSo Discovery is your kind of your more bare minimum product. It's your cheapest option, but very limited in terms of investment choices. So, typically, if it's suitable, this is this is a option we would choose within hub twenty four if a client has very little super. Because it's cheaper, but you don't have the same flexibility on investment. So we can't do the SMA and even your old portfolio in that option because it doesn't have as many choice.\n\nSo this typically is more someone typically kind of starting out with a lower balance because it's cheaper until they've kind of built their balance up a little bit more and can have a little bit higher fees to increase their returns and have more choices. Now your choice is what you were on before. So that is the the highest Yeah. Correct. So so we're switching to true core because it's slightly cheaper.\n\nIt's kind of in the middle. And the good thing with the estimate, it is available on that product, and it means that you have less fees. But still within hub twenty four, and we would do all that change for you in the meantime. But it's a very, very good question. If you think of anything else, sorry, always give me a call or send me an email.\n\nHave a read through the document. But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are. If you are happy, just sign the document, and we'll get notified and can take it from here. Oh, great. Perfect.\n\nI will let the team know. Now like I said as well, if you had ever at any point want to explore your insurances in a bit bit more detail, have a think about it. Just send me an email, let the team know. We can always have a look at it. And the last thing I do wanna mention as well is that the ID that we have on file for you has expired.\n\nSo did you recently receive a new driver's license or anything a little while ago? Yeah. When you have a moment, would you be able to send a photo of the front and the back of that email? Sorry. The front and the back of your license through through our email.\n\nAnd the email address is servicing@oqfinancial.com.au. Or would you like me to get my team to send you an email, and then you can just respond to that? Yeah. Okay. Perfect.\n\nI'll I'll get them to do that. So when you have a moment, just take a quick photo of the front and the back. Just for compliance, we'll save that on file for you. So that was basically everything today, so I will let the team know to go ahead and make these change. Anything else or any questions you have at any point in time, don't hesitate to give me a call.\n\nOkay? Yeah. It will be faster. So with those ones, it's more because we can't actually we in the old system, we couldn't actually change our investments without you signing and approving anything. So what you got from Hub twenty four was most likely transaction reports automatically from them.\n\nSo when your employer makes contributions into super, obviously, your money doesn't stay in cash. It gets reinvested into your investment. So that's usually what those reports would be to let you know that it's been invested into your portfolio. So now the good thing with the SMA is that when we make changes to your investment, we can send you the the information so you can have a read over and see the changes. You don't need to action or do anything.\n\nIt would just be for your awareness if you wanted to know. Yay. Yes. So Yes. Well, we couldn't have made they couldn't have done any changes to the investments because you had to have approved it.\n\nYeah. Does that make sense? Yes. Perfect. Well, I will let you go.\n\nLike I said, anything you need, just let me know. Mhmm. No problem. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.20033923536539078},{"text":"Is this a buyer?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.0759534565731883},{"text":"This is Veronica from Financial.","start":6.8799996,"end":8.66,"sentiment":"neutral","sentiment_score":0.10143457055091858},{"text":"How are you?","start":9.04,"end":9.86,"sentiment":"neutral","sentiment_score":0.08730008949836095},{"text":"Good.","start":11.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.5379591584205627}],"sentiment":"neutral","sentiment_score":0.13410163844625156,"num_words":15,"start":3.4399998,"end":11.92},{"sentences":[{"text":"Thanks.","start":11.92,"end":12.42,"sentiment":"positive","sentiment_score":0.5817227363586426},{"text":"I had you booked in for it's a pretty quick catch up, really, just to go through the reset I did after our last conversation about, like, the SMA and different options for you.","start":13.375,"end":24.654999,"sentiment":"neutral","sentiment_score":0.15508949778535785},{"text":"Is now still a good time?","start":24.654999,"end":26.035,"sentiment":"neutral","sentiment_score":0.14110861842830977},{"text":"Yeah.","start":27.14,"end":27.54,"sentiment":"neutral","sentiment_score":0.20860934257507324},{"text":"Perfect.","start":27.54,"end":28.04,"sentiment":"positive","sentiment_score":0.37056148052215576}],"sentiment":"neutral","sentiment_score":0.16931600452855575,"num_words":43,"start":11.92,"end":28.04},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our call is being recorded for quality and coaching purposes, if that's okay.","start":28.5,"end":36.440002,"sentiment":"neutral","sentiment_score":0.0561513246261868},{"text":"Perfect.","start":38.18,"end":38.68,"sentiment":"neutral","sentiment_score":0.32488834857940674},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please?","start":38.82,"end":47.395,"sentiment":"neutral","sentiment_score":0.08618800391753514},{"text":"Perfect.","start":55.149998,"end":55.469997,"sentiment":"positive","sentiment_score":0.5158114433288574},{"text":"That's exactly what I have here.","start":55.469997,"end":56.75,"sentiment":"positive","sentiment_score":0.49275610347588855}],"sentiment":"neutral","sentiment_score":0.11957111857386667,"num_words":67,"start":28.5,"end":56.75},{"sentences":[{"text":"And how's your day been so far?","start":56.75,"end":58.19,"sentiment":"neutral","sentiment_score":0.11420784784214837},{"text":"Been busy?","start":58.19,"end":58.93,"sentiment":"neutral","sentiment_score":0.03386782482266426},{"text":"Yeah.","start":59.789997,"end":60.269997,"sentiment":"neutral","sentiment_score":0.17904436588287354},{"text":"Good.","start":60.269997,"end":60.769997,"sentiment":"neutral","sentiment_score":0.2797314524650574},{"text":"Good.","start":62.51,"end":62.67,"sentiment":"neutral","sentiment_score":0.2705206274986267}],"sentiment":"neutral","sentiment_score":0.13304058586557707,"num_words":12,"start":56.75,"end":62.67},{"sentences":[{"text":"Oh, lovely.","start":62.67,"end":63.329998,"sentiment":"neutral","sentiment_score":0.24191519618034363},{"text":"Did you?","start":63.469997,"end":64.21,"sentiment":"neutral","sentiment_score":0.10262835025787354},{"text":"That you should have just come all the way to the Gulf Coast, and we could have done it then.","start":65.564995,"end":68.865,"sentiment":"neutral","sentiment_score":0.042083358950912954},{"text":"How are you?","start":71.645,"end":72.465,"sentiment":"neutral","sentiment_score":0.015469626523554325},{"text":"Oh.","start":75.884995,"end":76.284996,"sentiment":"neutral","sentiment_score":0.013187075033783913}],"sentiment":"neutral","sentiment_score":0.056798222374969294,"num_words":28,"start":62.67,"end":76.284996},{"sentences":[{"text":"Oh, wow.","start":76.284996,"end":77.005,"sentiment":"neutral","sentiment_score":0.01599219860509038},{"text":"Whereabouts on the Gold Coast, or whereabouts were you?","start":77.005,"end":79.985,"sentiment":"neutral","sentiment_score":-0.0005764267407357693},{"text":"Yeah.","start":89.09,"end":89.59,"sentiment":"neutral","sentiment_score":0.07273086905479431},{"text":"Oh, lovely.","start":89.89,"end":90.549995,"sentiment":"neutral","sentiment_score":0.2917026877403259},{"text":"Yeah.","start":94.145,"end":94.625,"sentiment":"neutral","sentiment_score":0.0954754501581192}],"sentiment":"neutral","sentiment_score":0.05189388341580828,"num_words":15,"start":76.284996,"end":94.625},{"sentences":[{"text":"Oh, lovely.","start":94.625,"end":95.34499,"sentiment":"neutral","sentiment_score":0.11978336423635483},{"text":"Well, yeah, we're just up in Southport, so kind of northern end.","start":95.34499,"end":98.725,"sentiment":"neutral","sentiment_score":0.046069542256494365},{"text":"But yeah.","start":99.98499,"end":100.564995,"sentiment":"neutral","sentiment_score":0.018050793558359146},{"text":"Yeah.","start":100.945,"end":101.34499,"sentiment":"neutral","sentiment_score":0.0928335338830948},{"text":"Just just in Southport.","start":101.34499,"end":102.725,"sentiment":"neutral","sentiment_score":0.21789781376719475}],"sentiment":"neutral","sentiment_score":0.08537750531520162,"num_words":21,"start":94.625,"end":102.725},{"sentences":[{"text":"Kind of just by the Broadwater, which which is really nice.","start":102.784996,"end":107.204994,"sentiment":"neutral","sentiment_score":0.3239938874136318},{"text":"Beautiful day today.","start":107.62,"end":109.92,"sentiment":"positive","sentiment_score":0.4096183677514394},{"text":"I will try not to take up too much of your time.","start":110.9,"end":113.56,"sentiment":"neutral","sentiment_score":0.04793766078849634},{"text":"Now I have just sent you an email.","start":114.979996,"end":117.8,"sentiment":"neutral","sentiment_score":0.040098706260323524},{"text":"Do you have access to your emails at the moment?","start":117.86,"end":120.04,"sentiment":"neutral","sentiment_score":0.020782362297177316}],"sentiment":"neutral","sentiment_score":0.13401484243910422,"num_words":44,"start":102.784996,"end":120.04},{"sentences":[{"text":"Yep.","start":121.375,"end":121.875,"sentiment":"neutral","sentiment_score":0.28062817454338074},{"text":"Perfect.","start":121.935005,"end":122.435005,"sentiment":"positive","sentiment_score":0.6471683979034424},{"text":"Just let me know when that one comes through.","start":122.895004,"end":124.975006,"sentiment":"neutral","sentiment_score":0.17451141112380558},{"text":"Okay?","start":124.975006,"end":125.475006,"sentiment":"neutral","sentiment_score":0.07682906091213226},{"text":"Yep.","start":127.935005,"end":128.435,"sentiment":"neutral","sentiment_score":0.058555908501148224}],"sentiment":"neutral","sentiment_score":0.20259878784418106,"num_words":13,"start":121.375,"end":128.435},{"sentences":[{"text":"Yes.","start":138.59,"end":139.09,"sentiment":"neutral","sentiment_score":0.11838765442371368},{"text":"Yep.","start":139.54999,"end":140.03,"sentiment":"neutral","sentiment_score":0.2257274389266968},{"text":"Perfect.","start":140.03,"end":140.53,"sentiment":"positive","sentiment_score":0.553744912147522},{"text":"Now if you can open that one for me, you will see before you click on the link where it says sign now, you will see a couple of attachments.","start":140.90999,"end":147.65,"sentiment":"neutral","sentiment_score":0.17726558595895767},{"text":"I will let you have a read over them in your own time, but it's basically all just the supporting documents for the research.","start":148.305,"end":154.965,"sentiment":"neutral","sentiment_score":0.18705339233080545}],"sentiment":"neutral","sentiment_score":0.18780892982817532,"num_words":57,"start":138.59,"end":154.965},{"sentences":[{"text":"It's in there for you.","start":156.94499,"end":158.06499,"sentiment":"neutral","sentiment_score":0.25117056667804716},{"text":"There's a bit more information in regards to the SMA and other things as well, But don't need to find those.","start":158.06499,"end":164.48999,"sentiment":"neutral","sentiment_score":0.09649142481031872},{"text":"It's just there for your reference.","start":164.48999,"end":166.17,"sentiment":"neutral","sentiment_score":0.1710218166311582},{"text":"But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything so you can look at everything and, obviously, make sure you're happy with it before signing anything.","start":166.17,"end":178.43,"sentiment":"neutral","sentiment_score":0.23798613313664782},{"text":"And let me know if you can see the cover page where it says statement of advice, and then you see a nice little photo of the Gold Coast.","start":180.835,"end":189.175,"sentiment":"neutral","sentiment_score":0.19139773629862686}],"sentiment":"neutral","sentiment_score":0.19485357652107874,"num_words":108,"start":156.94499,"end":189.175},{"sentences":[{"text":"Yes.","start":192.13,"end":192.53,"sentiment":"neutral","sentiment_score":0.09661838412284852},{"text":"Yes.","start":192.53,"end":192.93001,"sentiment":"neutral","sentiment_score":0.1970573365688324},{"text":"Perfect.","start":192.93001,"end":193.43001,"sentiment":"positive","sentiment_score":0.46547815203666687},{"text":"Now do you remember our conversation a few weeks ago in regards to your superannuation and wanting to do some research on the the SMA and see if that was going to be a better option for you moving forward.","start":193.65001,"end":206.39499,"sentiment":"neutral","sentiment_score":0.1404071475379169},{"text":"Do you remember that?","start":206.39499,"end":207.69499,"sentiment":"neutral","sentiment_score":0.03533922741189599}],"sentiment":"neutral","sentiment_score":0.13865524859345973,"num_words":47,"start":192.13,"end":207.69499},{"sentences":[{"text":"Yep.","start":210.715,"end":211.11499,"sentiment":"neutral","sentiment_score":0.11046602576971054},{"text":"Okay.","start":211.11499,"end":211.61499,"sentiment":"neutral","sentiment_score":0.24896447360515592},{"text":"Perfect.","start":211.75499,"end":212.25499,"sentiment":"positive","sentiment_score":0.470847487449646},{"text":"So today is pretty straightforward.","start":212.555,"end":214.495,"sentiment":"positive","sentiment_score":0.4604650855064392},{"text":"I've done all the research, and I have made a recommendation after what we spoke about.","start":215.03499,"end":220.54001,"sentiment":"neutral","sentiment_score":0.30554638989269733}],"sentiment":"positive","sentiment_score":0.3342227355266611,"num_words":24,"start":210.715,"end":220.54001},{"sentences":[{"text":"So today is just to kind of go through the recommendations.","start":220.54001,"end":223.28,"sentiment":"neutral","sentiment_score":0.2519687387076291},{"text":"Now at the end of the day, it is completely up to you if you do wanna go ahead with the recommendations or not.","start":224.14,"end":230.235,"sentiment":"neutral","sentiment_score":0.17016961767027775},{"text":"Mhmm.","start":234.395,"end":234.895,"sentiment":"neutral","sentiment_score":0.06320234388113022},{"text":"Yes.","start":247.37,"end":247.77,"sentiment":"neutral","sentiment_score":0.11356787383556366},{"text":"So I will go through this in detail with you here, explaining exactly what it is.","start":247.77,"end":252.65,"sentiment":"neutral","sentiment_score":0.1035843575373292}],"sentiment":"neutral","sentiment_score":0.16395937524876505,"num_words":53,"start":220.54001,"end":252.65},{"sentences":[{"text":"I will also get you to, you know, have a reader because it is quite long.","start":252.65,"end":255.915,"sentiment":"neutral","sentiment_score":0.06281890068203211},{"text":"It's thirty three pages.","start":255.915,"end":257.29498,"sentiment":"neutral","sentiment_score":0.057374898344278336},{"text":"Everything you need to know is in there.","start":257.355,"end":259.035,"sentiment":"neutral","sentiment_score":0.08154164906591177},{"text":"I'll go through kind of the main points for you, and then you can kind of read through a lot of it yourself as well.","start":259.035,"end":267.035,"sentiment":"neutral","sentiment_score":0.10264177739620209},{"text":"But I'll go through kind of the main sections today.","start":267.035,"end":269.595,"sentiment":"neutral","sentiment_score":0.05705121867358685}],"sentiment":"neutral","sentiment_score":0.0797379653723467,"num_words":63,"start":252.65,"end":269.595},{"sentences":[{"text":"But before I kind of do it go any further as well, just on the cover page, you will see that this is tailored specifically for you, and you will have my authorized representative number listed there.","start":269.595,"end":280.72998,"sentiment":"neutral","sentiment_score":0.11096092071887609},{"text":"And I'm obviously licensed under OCU Financial.","start":280.72998,"end":283.55,"sentiment":"neutral","sentiment_score":0.08679113909602165},{"text":"Underneath that, you'll see all our contact details, where we're located, and stuff like that.","start":284.515,"end":288.855,"sentiment":"neutral","sentiment_score":0.0876424344877402},{"text":"Now, yeah, on the second page for me, you will see the best interest duty.","start":289.475,"end":293.795,"sentiment":"neutral","sentiment_score":0.18847285409768422},{"text":"Can you see that?","start":293.795,"end":294.855,"sentiment":"neutral","sentiment_score":0.11763249337673187}],"sentiment":"neutral","sentiment_score":0.11955578644306232,"num_words":78,"start":269.595,"end":294.855},{"sentences":[{"text":"Yep.","start":296.035,"end":296.37,"sentiment":"neutral","sentiment_score":0.18083040416240692},{"text":"Perfect.","start":296.53,"end":296.85,"sentiment":"positive","sentiment_score":0.43141061067581177},{"text":"Now, basically, what this is is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice.","start":296.85,"end":307.59,"sentiment":"neutral","sentiment_score":0.19575681856700353},{"text":"Otherwise, we can't actually make the recommendation.","start":307.97,"end":310.47,"sentiment":"neutral","sentiment_score":-0.24375110864639282},{"text":"And if I don't act in your best interest, then I will lose my license.","start":311.505,"end":315.585,"sentiment":"negative","sentiment_score":-0.4215550815065702}],"sentiment":"neutral","sentiment_score":-0.00959075115999933,"num_words":59,"start":296.035,"end":315.585},{"sentences":[{"text":"And if I lose my license, I will lose my job, and my husband at home won't be too happy with me.","start":315.585,"end":321.025,"sentiment":"negative","sentiment_score":-0.4280803542245518},{"text":"So there's a lot in place to, obviously, protect you and making sure that what we are recommending is just for your benefit.","start":321.025,"end":327.84,"sentiment":"neutral","sentiment_score":-0.01751957104905792},{"text":"Yes.","start":329.25998,"end":329.66,"sentiment":"neutral","sentiment_score":0.15517954528331757},{"text":"Perfect.","start":329.66,"end":330.16,"sentiment":"neutral","sentiment_score":0.29705435037612915},{"text":"Now as you scroll through table of content, pretty self explanatory, you will then have scope of advice.","start":330.62,"end":338.56,"sentiment":"neutral","sentiment_score":0.14528527483344078}],"sentiment":"neutral","sentiment_score":-0.10389767822164755,"num_words":65,"start":315.585,"end":338.56},{"sentences":[{"text":"Can you see that?","start":338.62,"end":339.68,"sentiment":"neutral","sentiment_score":0.05206147022545338},{"text":"Yeah.","start":341.67502,"end":341.995,"sentiment":"neutral","sentiment_score":0.12260247766971588},{"text":"Perfect.","start":341.995,"end":342.475,"sentiment":"positive","sentiment_score":0.35581183433532715},{"text":"Now this is just kind of the areas we are focusing on today.","start":342.475,"end":345.775,"sentiment":"neutral","sentiment_score":0.24690500589517447},{"text":"So pretty straightforward.","start":345.915,"end":347.05502,"sentiment":"neutral","sentiment_score":0.2676587998867035}],"sentiment":"neutral","sentiment_score":0.2136091667820107,"num_words":22,"start":338.62,"end":347.05502},{"sentences":[{"text":"The main the main focus is your superannuation, making sure that we can maximize that growth as much as possible while you do have plenty of time until retirement.","start":347.355,"end":356.17,"sentiment":"positive","sentiment_score":0.3732767839883936},{"text":"Also, with your insurances, we kind of spoke about that in length last time.","start":357.35,"end":361.99002,"sentiment":"neutral","sentiment_score":0.24168418880019868},{"text":"At the moment, it's quite affordable for you, and you're quite happy with it, so not making any changes to your insurances.","start":361.99002,"end":368.17,"sentiment":"positive","sentiment_score":0.41021441228010436},{"text":"And then on the next page is just areas where not making it.","start":370.145,"end":373.505,"sentiment":"neutral","sentiment_score":-0.008081412909982296},{"text":"Yeah.","start":373.505,"end":374.005,"sentiment":"neutral","sentiment_score":0.029440272599458694}],"sentiment":"neutral","sentiment_score":0.2931354981493441,"num_words":79,"start":347.355,"end":374.005},{"sentences":[{"text":"Australia Super?","start":380.865,"end":381.925,"sentiment":"neutral","sentiment_score":0.0742369182407856},{"text":"Yep.","start":384.05,"end":384.55,"sentiment":"neutral","sentiment_score":0.056604839861392975},{"text":"Mhmm.","start":392.84998,"end":393.16998,"sentiment":"neutral","sentiment_score":-0.002675603609532118},{"text":"Mhmm.","start":393.16998,"end":393.66998,"sentiment":"neutral","sentiment_score":-0.0011239631567150354},{"text":"It's usually when you are per month or per year per month.","start":393.97,"end":403.005,"sentiment":"neutral","sentiment_score":-0.05273860739544034}],"sentiment":"neutral","sentiment_score":-0.025387304656974533,"num_words":17,"start":380.865,"end":403.005},{"sentences":[{"text":"So you only pay let me see here.","start":403.005,"end":405.185,"sentiment":"neutral","sentiment_score":-0.02945155813358724},{"text":"Sorry.","start":407.405,"end":407.805,"sentiment":"neutral","sentiment_score":-0.0623382069170475},{"text":"How it's based?","start":407.805,"end":408.445,"sentiment":"neutral","sentiment_score":-0.042751822620630264},{"text":"Because this is group cover.","start":408.445,"end":409.89,"sentiment":"neutral","sentiment_score":-0.03409530408680439},{"text":"So it's based and tailored on your age.","start":409.89,"end":413.35,"sentiment":"neutral","sentiment_score":-0.008305242750793695}],"sentiment":"neutral","sentiment_score":-0.02652498409152031,"num_words":25,"start":403.005,"end":413.35},{"sentences":[{"text":"So the older you get, the less cover you have.","start":414.53,"end":417.51,"sentiment":"neutral","sentiment_score":-0.15169578567147254},{"text":"So if he is younger than you, then that makes sense because the older you get, the less cover it you have and also the more expensive the cover becomes.","start":417.65,"end":428.20502,"sentiment":"neutral","sentiment_score":-0.24903047184149424},{"text":"Because in insurance line, they are the older you get, there's a higher risk of something happening.","start":428.20502,"end":434.20502,"sentiment":"neutral","sentiment_score":-0.32913047075271606},{"text":"So it does become more expensive the older you get, and you're also covered for less.","start":434.20502,"end":440.24,"sentiment":"neutral","sentiment_score":-0.17027796036563814},{"text":"Now you pay on a monthly basis, you pay $13.26.","start":441.1,"end":446.63998,"sentiment":"neutral","sentiment_score":0.03948045633733273}],"sentiment":"neutral","sentiment_score":-0.20376786526786275,"num_words":83,"start":414.53,"end":446.63998},{"sentences":[{"text":"And it's actually outlined on page eight.","start":449.195,"end":452.655,"sentiment":"neutral","sentiment_score":0.060780658785785945},{"text":"If you wanna scroll down to page eight, the other two pages that you scroll through, there's just some just some information about you, just your assets and liabilities.","start":453.275,"end":463.11,"sentiment":"neutral","sentiment_score":0.05069510041382806},{"text":"But on page eight, you see your current due preannuation.","start":463.49,"end":467.59,"sentiment":"neutral","sentiment_score":0.05519949086010456},{"text":"That will have your insurances listed underneath that as well.","start":468.21,"end":471.35,"sentiment":"neutral","sentiment_score":0.05340635646134615},{"text":"Yep.","start":472.77,"end":473.17,"sentiment":"neutral","sentiment_score":0.049759745597839355}],"sentiment":"neutral","sentiment_score":0.05318317091778705,"num_words":57,"start":449.195,"end":473.17},{"sentences":[{"text":"So the premium there, 159, that's per year.","start":473.17,"end":476.95,"sentiment":"neutral","sentiment_score":-0.0009817848913371563},{"text":"So per month, that's, yeah, $13.26, which is which is quite cheap.","start":477.965,"end":482.225,"sentiment":"neutral","sentiment_score":0.02960897112886111},{"text":"And you do have your life and TCD at that 215,040.","start":483.08502,"end":488.065,"sentiment":"neutral","sentiment_score":0.07660015469247644},{"text":"Every year, they will get less.","start":489.405,"end":491.91998,"sentiment":"neutral","sentiment_score":-0.1127193532884121},{"text":"So if there's ever a situation you do wanna revisit it later, we can always have a look at it.","start":492.06,"end":498.15997,"sentiment":"neutral","sentiment_score":0.11508324514143169}],"sentiment":"neutral","sentiment_score":0.04939305016019365,"num_words":57,"start":473.17,"end":498.15997},{"sentences":[{"text":"If you want more cover, it will be more expensive.","start":498.21997,"end":500.47998,"sentiment":"negative","sentiment_score":-0.4482196867465973},{"text":"Yep.","start":502.53998,"end":502.875,"sentiment":"neutral","sentiment_score":0.0150808310136199},{"text":"Otherwise, you have, obviously, your superannuation with hub twenty four.","start":503.835,"end":508.095,"sentiment":"neutral","sentiment_score":0.040031236596405506},{"text":"On the next page, you will see your risk profile.","start":509.675,"end":512.575,"sentiment":"neutral","sentiment_score":0.022703638300299644},{"text":"Can you see that okay?","start":512.635,"end":513.855,"sentiment":"neutral","sentiment_score":0.03733197674155235}],"sentiment":"neutral","sentiment_score":-0.10147520566048722,"num_words":36,"start":498.21997,"end":513.855},{"sentences":[{"text":"Yep.","start":515.13,"end":515.45,"sentiment":"neutral","sentiment_score":0.18099312484264377},{"text":"Perfect.","start":515.45,"end":515.95,"sentiment":"positive","sentiment_score":0.5374594330787659},{"text":"So when we kind of spoke about it last time, we kind of agreed that you are currently in a high growth portfolio.","start":516.25,"end":522.43,"sentiment":"neutral","sentiment_score":0.27868580235087353},{"text":"It's very suitable for where you are at at the moment in terms of a time frame, but also kind of your risk tolerance.","start":522.49,"end":528.75,"sentiment":"positive","sentiment_score":0.3400352417180936},{"text":"And the focus is to try to grow your super as much as possible before retirement.","start":529.375,"end":533.875,"sentiment":"positive","sentiment_score":0.46577175706624985}],"sentiment":"positive","sentiment_score":0.3498679988659345,"num_words":65,"start":515.13,"end":533.875},{"sentences":[{"text":"So it's definitely suitable for you.","start":534.255,"end":536.09503,"sentiment":"positive","sentiment_score":0.5905949175357819},{"text":"We are not making any changes in your risk profile.","start":536.09503,"end":539.155,"sentiment":"neutral","sentiment_score":-0.14224983304738997},{"text":"Just basically focusing on those investments tryna improve the returns a little bit there for you.","start":539.775,"end":546.7,"sentiment":"neutral","sentiment_score":0.187703896779567},{"text":"Does that all make sense so far?","start":546.7,"end":548.32,"sentiment":"neutral","sentiment_score":0.16768589615821838},{"text":"Yeah.","start":549.5,"end":549.89996,"sentiment":"neutral","sentiment_score":0.31955206394195557}],"sentiment":"neutral","sentiment_score":0.1654421715065837,"num_words":40,"start":534.255,"end":549.89996},{"sentences":[{"text":"Perfect.","start":549.89996,"end":550.39996,"sentiment":"positive","sentiment_score":0.4904290139675141},{"text":"Now what I might get you to do, actually so on page 11, you will see and this is where I'll get you to have a read over in your own time.","start":550.46,"end":558.475,"sentiment":"neutral","sentiment_score":0.15962710860185325},{"text":"You will see the actual recommendation outlined.","start":558.475,"end":561.535,"sentiment":"neutral","sentiment_score":0.13086700226579392},{"text":"And there's a lot of kind of wording in regards to factors I did consider, research, why I did decide to proceed with the SMA instead of other options because I did a lot of research on other portfolios as well because we have to make sure that the SMA is suitable for you, and it will put you in a better position so that it will make the fees cheaper and also also improve the return.","start":562.475,"end":587.97504,"sentiment":"neutral","sentiment_score":0.2611556631791127},{"text":"So that was an important thing in making the consideration.","start":588.515,"end":591.895,"sentiment":"neutral","sentiment_score":0.2322128012776375}],"sentiment":"neutral","sentiment_score":0.2279187368713026,"num_words":127,"start":549.89996,"end":591.895},{"sentences":[{"text":"I also researched other options.","start":593.715,"end":595.55505,"sentiment":"neutral","sentiment_score":0.1194176897406578},{"text":"So outside hub 24 just to make sure the hub 24 is still the best competitive option for you because there's always new products and features that comes out.","start":595.55505,"end":605.25995,"sentiment":"neutral","sentiment_score":0.2523999147374055},{"text":"So it is good to, you know, make sure that that's still competitive, and it very much is.","start":605.48,"end":610.36,"sentiment":"positive","sentiment_score":0.5161424958043628},{"text":"It's very competitive when it comes to, you know, the fees for similar options and gives you so many choices in terms of investment flexibility.","start":610.36,"end":620.35504,"sentiment":"positive","sentiment_score":0.4065667390823364},{"text":"Now as you kind of read through this again on your own time, you will see advantages associated with the recommendation, the disadvantages.","start":621.775,"end":629.7,"sentiment":"neutral","sentiment_score":0.047628610354402794}],"sentiment":"neutral","sentiment_score":0.28466877415776254,"num_words":100,"start":593.715,"end":629.7},{"sentences":[{"text":"I will highlight a few of them, but I'll show you the table because it's a bit easier.","start":630.07996,"end":633.94,"sentiment":"neutral","sentiment_score":0.18892178808649382},{"text":"Also, there's a lot more in regards to the SMA.","start":635.04,"end":638.74,"sentiment":"neutral","sentiment_score":0.2211621806025505},{"text":"So on page 13, again, a bit more information on why it's really beneficial as well.","start":639.2,"end":646.785,"sentiment":"positive","sentiment_score":0.41491613164544106},{"text":"Obviously, we have merged with BlackRock in putting this as the mate together.","start":646.785,"end":650.885,"sentiment":"neutral","sentiment_score":0.2833320670402967},{"text":"So he joined our investment committee as well as BlackRock, which is one of the biggest fund managers in the world.","start":651.185,"end":657.125,"sentiment":"neutral","sentiment_score":0.28298423687616986}],"sentiment":"neutral","sentiment_score":0.2804725377414471,"num_words":78,"start":630.07996,"end":657.125},{"sentences":[{"text":"So, obviously, combining all that expertise is really good.","start":657.39996,"end":660.6,"sentiment":"positive","sentiment_score":0.640835616323683},{"text":"We also get to utilize all of their research programs in assessing investments, all their, you know, the risks and volatilities and stuff like that.","start":660.6,"end":670.36,"sentiment":"positive","sentiment_score":0.41655158877372744},{"text":"They have really good softwares to kind of project and forecast a lot of that, which is really, really beneficial, especially when there's a lot of, you know, fluctuations and stuff going on in the world at the moment.","start":670.36,"end":682.885,"sentiment":"positive","sentiment_score":0.5003351645591931},{"text":"But the biggest thing with the SMA in what made it so it so competitive for you is that it allows us to make those underlying changes to your portfolio very quickly.","start":684.145,"end":694.63,"sentiment":"positive","sentiment_score":0.4834060585126281},{"text":"So, for example, in, obviously, today's market condition, like we said, if there is one investment that has been underperforming and we wanted to go ahead and make the change in your current style of how it's set up, I would obviously go and do all the research.","start":695.01,"end":709.485,"sentiment":"neutral","sentiment_score":0.17361388572802147}],"sentiment":"positive","sentiment_score":0.3888682488327712,"num_words":153,"start":657.39996,"end":709.485},{"sentences":[{"text":"We will then put together everything like we're going through today.","start":709.865,"end":713.00494,"sentiment":"neutral","sentiment_score":0.19036529822783035},{"text":"You would have to sign and agree to the change before we can make it.","start":713.225,"end":717.64496,"sentiment":"neutral","sentiment_score":0.08219135055939357},{"text":"Now that Exactly.","start":717.785,"end":720.92,"sentiment":"neutral","sentiment_score":-0.08785135795672734},{"text":"Yeah.","start":727.06,"end":727.56,"sentiment":"neutral","sentiment_score":0.14137820899486542},{"text":"It's a it's a separate.","start":733.47504,"end":734.755,"sentiment":"neutral","sentiment_score":0.011444483511149883}],"sentiment":"neutral","sentiment_score":0.09319814547364201,"num_words":35,"start":709.865,"end":734.755},{"sentences":[{"text":"So we we still do it with them.","start":734.755,"end":736.675,"sentiment":"neutral","sentiment_score":0.080261065158993},{"text":"So it's a joint.","start":736.675,"end":737.815,"sentiment":"neutral","sentiment_score":0.0856416467577219},{"text":"So we have our it's a joint.","start":738.195,"end":740.675,"sentiment":"neutral","sentiment_score":0.07639569150550025},{"text":"Yeah.","start":740.675,"end":740.91504,"sentiment":"neutral","sentiment_score":-0.0007997602806426585},{"text":"So you can just Google in BlackRock, and you'll see that they are one of the biggest investment managers in the world.","start":740.91504,"end":746.71,"sentiment":"neutral","sentiment_score":0.23394314335151153}],"sentiment":"neutral","sentiment_score":0.15869938910223677,"num_words":42,"start":734.755,"end":746.71},{"sentences":[{"text":"They are massive.","start":746.71,"end":747.61,"sentiment":"positive","sentiment_score":0.5565630594889323},{"text":"So we have partnered up with that.","start":748.39,"end":750.23,"sentiment":"neutral","sentiment_score":0.3292298529829298},{"text":"So we still are very much involved.","start":750.23,"end":752.31,"sentiment":"neutral","sentiment_score":0.3235424203532083},{"text":"So we are working alongside them to come up with the best portfolio 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nothing like that at all.","start":778.93,"end":784.55005,"sentiment":"neutral","sentiment_score":0.041251781795706065}],"sentiment":"neutral","sentiment_score":0.03483714570325834,"num_words":54,"start":763.755,"end":784.55005},{"sentences":[{"text":"Yeah.","start":785.02496,"end":785.52496,"sentiment":"neutral","sentiment_score":0.0940195620059967},{"text":"But the biggest thing with the SMA concept is that it avoids us having to do these SOAs for minor changes.","start":785.745,"end":793.90497,"sentiment":"neutral","sentiment_score":0.16625203777636802},{"text":"So if it's just we're swapping out one investment, let's say there is one that's, you know, there is something happening in the world and in in a sector that we wanna change out, we can make those changes really quickly in the back end to let you still know of the changes.","start":793.90497,"end":808.44995,"sentiment":"neutral","sentiment_score":0.1635510186963486},{"text":"And when you go into your Hub twenty four account, you can see the changes there.","start":808.44995,"end":811.97,"sentiment":"neutral","sentiment_score":0.2113716434687376},{"text":"So you still have the full visibility when you log in, but it just means that we can make it really quickly, which is what you also want to do when there are obviously a bit of fluctuations.","start":811.97,"end":821.965,"sentiment":"neutral","sentiment_score":0.27617579992664487}],"sentiment":"neutral","sentiment_score":0.2025592483637869,"num_words":129,"start":785.02496,"end":821.965},{"sentences":[{"text":"Because if you foresee that you wanna make a change, because the market can obviously fluctuate on a daily basis and there's things that can change very quickly, us having the option of making those changes quickly means that we can utilize that, which is really good.","start":822.10504,"end":838.305,"sentiment":"neutral","sentiment_score":0.1258064439480609},{"text":"Otherwise, the way things are now is that when we spoke last, it's been a couple of weeks.","start":838.785,"end":843.02496,"sentiment":"neutral","sentiment_score":-0.10951280345519383},{"text":"And during that time, there's a lot that could happen.","start":843.02496,"end":845.90497,"sentiment":"neutral","sentiment_score":-0.17250729650259017},{"text":"And if we wanted to make a change quickly, the market could have, let's say, dropped further.","start":845.90497,"end":850.165,"sentiment":"neutral","sentiment_score":-0.18387051277300892},{"text":"Yeah.","start":850.865,"end":851.265,"sentiment":"neutral","sentiment_score":-0.045137953013181686}],"sentiment":"neutral","sentiment_score":-0.010261690664675928,"num_words":93,"start":822.10504,"end":851.265},{"sentences":[{"text":"So yeah.","start":851.265,"end":854.38995,"sentiment":"neutral","sentiment_score":0.012958904728293419},{"text":"Oh, perfect.","start":855.08997,"end":855.82996,"sentiment":"neutral","sentiment_score":0.13146264106035233},{"text":"Yeah.","start":856.52997,"end":856.93,"sentiment":"positive","sentiment_score":0.3850457370281219},{"text":"That's good.","start":856.93,"end":857.82996,"sentiment":"positive","sentiment_score":0.699650377035141},{"text":"Now I wanna show you just on on a on a dollar figure as well how it changes because that's usually pretty good as well, which is page 18, which you may kind of be up to.","start":858.20996,"end":870.255,"sentiment":"neutral","sentiment_score":0.07195623667054885}],"sentiment":"neutral","sentiment_score":0.10762659862468188,"num_words":44,"start":851.265,"end":870.255},{"sentences":[{"text":"Yep.","start":872.63495,"end":873.13495,"sentiment":"neutral","sentiment_score":0.13545957207679749},{"text":"So this just puts everything kind of on a dollar figure for you to make it easy.","start":873.195,"end":877.615,"sentiment":"neutral","sentiment_score":0.18422281917403727},{"text":"Now the good thing with the the SMA that I have recommended, it is on still within Hub 24, but it is on one of their cheaper product offering, which actually means that you are saving quite a bit in admin fee.","start":877.995,"end":892.04,"sentiment":"positive","sentiment_score":0.34174764298257376},{"text":"So you can see the difference in admin fees is about $270.","start":892.1,"end":896.6,"sentiment":"neutral","sentiment_score":0.2278010994195938},{"text":"That is just the cost savings from the platform, which is really good.","start":896.765,"end":900.385,"sentiment":"positive","sentiment_score":0.4913819902218305}],"sentiment":"neutral","sentiment_score":0.31461444199085237,"num_words":85,"start":872.63495,"end":900.385},{"sentences":[{"text":"Aside from that, you can also see that the investment fees are cheaper.","start":901.165,"end":904.945,"sentiment":"positive","sentiment_score":0.4557211376153506},{"text":"So, again, $304 cheaper than your current investment.","start":905.005,"end":909.985,"sentiment":"positive","sentiment_score":0.36804479360580444},{"text":"So, overall, we're factoring in everything.","start":910.64996,"end":913.94995,"sentiment":"neutral","sentiment_score":0.2978326082229614},{"text":"It's a difference of about $561 per year.","start":914.08997,"end":918.26996,"sentiment":"neutral","sentiment_score":0.2724754698574543},{"text":"So it does make quite a big difference.","start":918.41,"end":920.43,"sentiment":"positive","sentiment_score":0.4114331007003784}],"sentiment":"positive","sentiment_score":0.3750464500382889,"num_words":43,"start":901.165,"end":920.43},{"sentences":[{"text":"Now you can see underneath it as well that with the return.","start":922.825,"end":926.105,"sentiment":"neutral","sentiment_score":0.2927846113840739},{"text":"So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same.","start":926.105,"end":938.61,"sentiment":"neutral","sentiment_score":0.2248567317213331},{"text":"So even though we are making it cheaper, the performance have also been better.","start":938.61,"end":943.35,"sentiment":"neutral","sentiment_score":0.2814851403236389},{"text":"So, overall, that's obviously putting in a lot better position, which you can actually see on the following page versus page 19.","start":943.73,"end":951.11,"sentiment":"neutral","sentiment_score":0.27609281038696115},{"text":"You can then see kind of projected forward five and ten years, and you can see even in five years, that it's a pretty big difference by just making those couple of changes.","start":952.54504,"end":961.525,"sentiment":"neutral","sentiment_score":0.22010009442314957}],"sentiment":"neutral","sentiment_score":0.24708222289537562,"num_words":116,"start":922.825,"end":961.525},{"sentences":[{"text":"It's both.","start":970.8,"end":971.51996,"sentiment":"neutral","sentiment_score":0.14365115761756897},{"text":"So it's factoring in reducing fees and the better performer.","start":971.51996,"end":977.13995,"sentiment":"neutral","sentiment_score":0.18817138969898223},{"text":"But yes.","start":997.44,"end":1005.07495,"sentiment":"neutral","sentiment_score":0.13191786035895348},{"text":"Yeah.","start":1006.095,"end":1006.57495,"sentiment":"neutral","sentiment_score":0.096359521150589},{"text":"No.","start":1006.57495,"end":1006.815,"sentiment":"neutral","sentiment_score":0.02525048330426216}],"sentiment":"neutral","sentiment_score":0.1596538710873574,"num_words":16,"start":970.8,"end":1006.815},{"sentences":[{"text":"Good, though.","start":1006.815,"end":1007.63495,"sentiment":"neutral","sentiment_score":0.15743841975927353},{"text":"Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments.","start":1008.735,"end":1017.07495,"sentiment":"neutral","sentiment_score":0.042086752492093274},{"text":"When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation.","start":1017.89,"end":1028.39,"sentiment":"neutral","sentiment_score":0.09520456623850447},{"text":"Now we've kinda minimized that as much as possible, and it does change kind of on a daily when you calculate it, but it will be around $505 as a one off when we make the changes on your investment.","start":1029.3301,"end":1042.485,"sentiment":"neutral","sentiment_score":0.013164635188877583},{"text":"And that is purely the tax that will come out.","start":1042.865,"end":1045.525,"sentiment":"neutral","sentiment_score":-0.012737540900707245}],"sentiment":"neutral","sentiment_score":0.04448730044131135,"num_words":116,"start":1006.815,"end":1045.525},{"sentences":[{"text":"Does that so that is page 18 again on that table at the top of where it says the balance difference.","start":1047.0,"end":1052.62,"sentiment":"neutral","sentiment_score":-0.005238176101729984},{"text":"That's the only reason why it's the $505 difference in the balance is the estimated tax.","start":1052.8401,"end":1059.02,"sentiment":"neutral","sentiment_score":-0.03860486124176532},{"text":"Yep.","start":1059.16,"end":1059.66,"sentiment":"neutral","sentiment_score":0.03686156123876572},{"text":"Does that make sense?","start":1059.8,"end":1060.9401,"sentiment":"neutral","sentiment_score":0.05588500201702118},{"text":"Yep.","start":1062.4349,"end":1062.835,"sentiment":"neutral","sentiment_score":0.18971654772758484}],"sentiment":"neutral","sentiment_score":-0.006454915371398593,"num_words":43,"start":1047.0,"end":1062.835},{"sentences":[{"text":"Great.","start":1062.835,"end":1063.155,"sentiment":"positive","sentiment_score":0.5509918928146362},{"text":"Perfect.","start":1063.155,"end":1063.655,"sentiment":"positive","sentiment_score":0.486721932888031},{"text":"Now what I'll get you to do is just scroll up for me on page 16.","start":1063.955,"end":1068.615,"sentiment":"neutral","sentiment_score":0.08086675615049899},{"text":"16.","start":1071.475,"end":1071.975,"sentiment":"neutral","sentiment_score":0.012401258572936058},{"text":"Sorry.","start":1072.035,"end":1072.535,"sentiment":"neutral","sentiment_score":0.007481401786208153}],"sentiment":"neutral","sentiment_score":0.11757322922348976,"num_words":20,"start":1062.835,"end":1072.535},{"sentences":[{"text":"Yes.","start":1074.21,"end":1074.71,"sentiment":"neutral","sentiment_score":0.05431694537401199},{"text":"Yes.","start":1074.77,"end":1075.27,"sentiment":"neutral","sentiment_score":0.05464155599474907},{"text":"No.","start":1075.57,"end":1075.97,"sentiment":"neutral","sentiment_score":0.03493344038724899},{"text":"This is pretty straightforward.","start":1075.97,"end":1077.19,"sentiment":"neutral","sentiment_score":0.14136654883623123},{"text":"It just shows you your current investment.","start":1077.33,"end":1079.19,"sentiment":"neutral","sentiment_score":0.07546574569174222}],"sentiment":"neutral","sentiment_score":0.08840131121022361,"num_words":14,"start":1074.21,"end":1079.19},{"sentences":[{"text":"We are selling out of them and swapping you into the SMA.","start":1079.73,"end":1083.27,"sentiment":"neutral","sentiment_score":0.04478979172805945},{"text":"Now with the SMA, we're doing a fifty fifty into two different ones, and that's to give you the closest asset allocation and keeping you in a high growth portfolio and also having diversification.","start":1083.89,"end":1096.355,"sentiment":"neutral","sentiment_score":0.16831833847305355},{"text":"Now when you then go into your hub 24 when we've made the changes here, you can just see that it is the SMA, which allows us to make those changes quickly.","start":1097.615,"end":1105.97,"sentiment":"neutral","sentiment_score":0.1372259098570794},{"text":"But when you actually go into your hub 24 when we've made the change and you click on this, you can see all the underlying investment as well.","start":1106.11,"end":1113.23,"sentiment":"neutral","sentiment_score":0.10652514307626657},{"text":"So you still have that oversight.","start":1113.23,"end":1115.09,"sentiment":"neutral","sentiment_score":0.14041119938095412}],"sentiment":"neutral","sentiment_score":0.12925626184525235,"num_words":112,"start":1079.73,"end":1115.09},{"sentences":[{"text":"Yep.","start":1117.5249,"end":1118.0249,"sentiment":"neutral","sentiment_score":0.11936952918767928},{"text":"Now Yes.","start":1118.245,"end":1124.985,"sentiment":"neutral","sentiment_score":0.03364807926118374},{"text":"The only the only difference is the tax that will come out, which is about 505 that will come out.","start":1125.2849,"end":1131.93,"sentiment":"neutral","sentiment_score":-0.025374994473531844},{"text":"Yes.","start":1132.31,"end":1132.81,"sentiment":"neutral","sentiment_score":0.12774525582790375},{"text":"But, otherwise, yes, it will just cross straight over just the tax that will come out, which can obviously, depending on what what the market price is, be a little bit little bit different, but it will be around 505.","start":1132.8701,"end":1146.285,"sentiment":"neutral","sentiment_score":0.12995450720191}],"sentiment":"neutral","sentiment_score":0.07820455222099554,"num_words":64,"start":1117.5249,"end":1146.285},{"sentences":[{"text":"But even on the cost saving in the platform and investment fees alone, you will make that up very quickly.","start":1146.8451,"end":1153.185,"sentiment":"positive","sentiment_score":0.4768382430076599},{"text":"Yep.","start":1154.605,"end":1155.105,"sentiment":"neutral","sentiment_score":0.202662855386734},{"text":"Now on page 17, you can see how that reflects in, like, a pie chart on the table.","start":1156.4451,"end":1163.95,"sentiment":"neutral","sentiment_score":0.17137277002135912},{"text":"Can you see that?","start":1163.95,"end":1165.01,"sentiment":"neutral","sentiment_score":0.09540309756994247},{"text":"Yep.","start":1165.63,"end":1166.13,"sentiment":"neutral","sentiment_score":0.2048806399106979}],"sentiment":"neutral","sentiment_score":0.3047870592298833,"num_words":44,"start":1146.8451,"end":1166.13},{"sentences":[{"text":"So you'll have your risk profile, which is that high growth ninety ten, about 90 in your growth investment, and 10 in defensive, your existing portfolio, and then the proposed.","start":1166.27,"end":1178.515,"sentiment":"neutral","sentiment_score":0.17123581791917483},{"text":"So you can set up a post a little bit closer aligned to your risk profile as well.","start":1178.5751,"end":1183.935,"sentiment":"neutral","sentiment_score":0.18738826943768394},{"text":"Both very much within the range of a high growth, but a little bit closer.","start":1183.935,"end":1187.9551,"sentiment":"neutral","sentiment_score":0.08285553256670634},{"text":"Yep.","start":1189.8201,"end":1190.2201,"sentiment":"neutral","sentiment_score":0.2160878479480743},{"text":"Perfect.","start":1190.2201,"end":1190.7201,"sentiment":"positive","sentiment_score":0.4409979581832886}],"sentiment":"neutral","sentiment_score":0.16015357203208483,"num_words":65,"start":1166.27,"end":1190.7201},{"sentences":[{"text":"Now most of this kind of what I've gone through is in, like, writing in words for you as well so that you can have a read over it.","start":1191.9,"end":1198.7201,"sentiment":"neutral","sentiment_score":0.23421715765163817},{"text":"But before I kind of move on to the salary sacrifice, do you have any other questions so far, or is that pretty straightforward?","start":1199.8201,"end":1206.4551,"sentiment":"neutral","sentiment_score":0.01096562280630072},{"text":"Yep.","start":1207.395,"end":1207.895,"sentiment":"neutral","sentiment_score":0.17698132991790771},{"text":"Perfect.","start":1208.1951,"end":1208.6951,"sentiment":"positive","sentiment_score":0.33462122082710266},{"text":"Now if you can scroll through page 20 for me.","start":1209.0751,"end":1212.6951,"sentiment":"neutral","sentiment_score":0.10090800151228904}],"sentiment":"neutral","sentiment_score":0.13194084746333268,"num_words":65,"start":1191.9,"end":1212.6951},{"sentences":[{"text":"Yep.","start":1213.9551,"end":1214.4551,"sentiment":"neutral","sentiment_score":0.1227750927209854},{"text":"So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month.","start":1214.515,"end":1225.5399,"sentiment":"neutral","sentiment_score":0.16596726350048008},{"text":"So I've just included this here for you to show you.","start":1225.6799,"end":1228.74,"sentiment":"neutral","sentiment_score":0.09352017600427974},{"text":"A $100 per month to 2 50 per month.","start":1230.08,"end":1234.535,"sentiment":"neutral","sentiment_score":0.006832305238478714},{"text":"Yeah.","start":1236.195,"end":1236.695,"sentiment":"neutral","sentiment_score":0.11592838913202286}],"sentiment":"neutral","sentiment_score":0.1244964843582628,"num_words":56,"start":1213.9551,"end":1236.695},{"sentences":[{"text":"So I've shown you what that looks like on a number side.","start":1236.915,"end":1240.0549,"sentiment":"neutral","sentiment_score":0.14519181785484156},{"text":"So on this table here on page 20, you can see how that reflects.","start":1240.195,"end":1245.3,"sentiment":"neutral","sentiment_score":0.1802592681986945},{"text":"So you can basically see your income is the same, but, obviously, after tax, by increasing your salary sacrifice, you can see the net income difference.","start":1246.18,"end":1255.64,"sentiment":"neutral","sentiment_score":0.22619230987933966},{"text":"So it's about 1,224 less in your pocket per year by salary sacrificing.","start":1256.8201,"end":1266.395,"sentiment":"neutral","sentiment_score":0.12491566229325074},{"text":"Yeah.","start":1266.855,"end":1267.335,"sentiment":"neutral","sentiment_score":0.20760536193847656}],"sentiment":"neutral","sentiment_score":0.18149152420686954,"num_words":66,"start":1236.915,"end":1267.335},{"sentences":[{"text":"Now on on the plus side, underneath it, you have how that reflects in contributions.","start":1267.335,"end":1273.58,"sentiment":"neutral","sentiment_score":0.13449330478906632},{"text":"So the total net contributions there, you will see current and proposed.","start":1274.36,"end":1278.86,"sentiment":"neutral","sentiment_score":0.1528263557702303},{"text":"So you will have an extra $1,800 into super.","start":1279.48,"end":1284.94,"sentiment":"neutral","sentiment_score":0.26654918160703445},{"text":"So on a net saving, by doing it so, basically, what you are saving in tax, by do by increasing that little bit, it's saving you about 576.","start":1285.465,"end":1295.965,"sentiment":"neutral","sentiment_score":0.22956687744174684},{"text":"And that's the difference between the net income and the total contribution.","start":1296.1849,"end":1297.0249,"sentiment":"neutral","sentiment_score":0.13847792831559977}],"sentiment":"neutral","sentiment_score":0.18868244978550233,"num_words":76,"start":1267.335,"end":1297.0249},{"sentences":[{"text":"So it does make a it does make a bit pretty big difference from just a tax savings, plus you get, obviously, more into super to boost that and make it work a little bit harder for you.","start":1297.0249,"end":1308.51,"sentiment":"neutral","sentiment_score":0.09291792837412734},{"text":"Does that make sense?","start":1310.8099,"end":1311.87,"sentiment":"neutral","sentiment_score":0.08208777196705341},{"text":"Yep.","start":1313.925,"end":1314.425,"sentiment":"neutral","sentiment_score":0.18053707480430603},{"text":"Yes.","start":1320.405,"end":1320.905,"sentiment":"neutral","sentiment_score":0.13045144081115723},{"text":"Yep.","start":1321.685,"end":1322.185,"sentiment":"neutral","sentiment_score":0.16880366206169128}],"sentiment":"neutral","sentiment_score":0.09642276763916016,"num_words":45,"start":1297.0249,"end":1322.185},{"sentences":[{"text":"Perfect.","start":1322.405,"end":1322.905,"sentiment":"positive","sentiment_score":0.41334909200668335},{"text":"Do you know roughly?","start":1324.085,"end":1325.0651,"sentiment":"neutral","sentiment_score":0.0707081314176321},{"text":"Yeah.","start":1329.31,"end":1329.81,"sentiment":"neutral","sentiment_score":0.1794140636920929},{"text":"Yes.","start":1329.87,"end":1330.3501,"sentiment":"neutral","sentiment_score":0.27670347690582275},{"text":"Perfect.","start":1330.3501,"end":1330.5901,"sentiment":"positive","sentiment_score":0.5107588768005371}],"sentiment":"neutral","sentiment_score":0.20788225438445807,"num_words":8,"start":1322.405,"end":1330.5901},{"sentences":[{"text":"And we can keep a lookout for it as well.","start":1330.5901,"end":1332.3501,"sentiment":"positive","sentiment_score":0.40220453441143034},{"text":"And the good thing with salary sacrifice is that you can change it whenever.","start":1332.3501,"end":1335.89,"sentiment":"positive","sentiment_score":0.5109033691031593},{"text":"So if it's ever that your situation changed, you have more expenses, you can stop it, You can increase it.","start":1336.1901,"end":1342.585,"sentiment":"neutral","sentiment_score":0.30824173241853714},{"text":"You you can change it based on it's not you can just talk to your employer about it and change it, which is very easy.","start":1342.585,"end":1350.125,"sentiment":"neutral","sentiment_score":0.3095604145526886},{"text":"So that's good.","start":1350.985,"end":1351.865,"sentiment":"positive","sentiment_score":0.4892313281695048}],"sentiment":"positive","sentiment_score":0.3686976598368751,"num_words":72,"start":1330.5901,"end":1351.865},{"sentences":[{"text":"The only thing to be mindful of is that, obviously, putting it into super, it is that it is locked in until you meet a condition of a late.","start":1351.865,"end":1359.7101,"sentiment":"neutral","sentiment_score":-0.06889616222730999},{"text":"So for example, turning 60 and stop working.","start":1359.93,"end":1362.4901,"sentiment":"neutral","sentiment_score":-0.06646630400791764},{"text":"So that's the only kind of thing to be mindful of is the more that you put in, the more you have for retirement and the more you save in tax, but it will kind of be locked in just so, you know, you don't need that short term.","start":1362.4901,"end":1373.905,"sentiment":"neutral","sentiment_score":0.05875243719819249},{"text":"Yep.","start":1376.2051,"end":1376.685,"sentiment":"neutral","sentiment_score":0.10402204841375352},{"text":"Perfect.","start":1376.685,"end":1377.185,"sentiment":"neutral","sentiment_score":0.04655565321445465}],"sentiment":"neutral","sentiment_score":0.005678727132776244,"num_words":88,"start":1351.865,"end":1377.185},{"sentences":[{"text":"Now the last thing I do wanna kind of mention, so you'll have kind of your insurances.","start":1377.9651,"end":1382.385,"sentiment":"neutral","sentiment_score":0.02904649982776712},{"text":"We're not making any changes.","start":1382.4451,"end":1383.805,"sentiment":"neutral","sentiment_score":-0.05634863474406302},{"text":"That's pretty straightforward for you.","start":1383.805,"end":1385.905,"sentiment":"neutral","sentiment_score":0.12442647069692611},{"text":"The last thing I do wanna kind of mention is just the remuneration, and that is page 28.","start":1386.23,"end":1392.5701,"sentiment":"neutral","sentiment_score":0.016753379669454362},{"text":"It's ultimately up to you.","start":1400.645,"end":1402.405,"sentiment":"neutral","sentiment_score":-0.007986990362405777}],"sentiment":"neutral","sentiment_score":0.021916111181490124,"num_words":50,"start":1377.9651,"end":1402.405},{"sentences":[{"text":"I know that when we spoke last time, we were looking at potentially increasing it.","start":1402.405,"end":1409.545,"sentiment":"neutral","sentiment_score":-0.009888662770390511},{"text":"But you mentioned that, obviously, by increasing the cover, it will cost more.","start":1410.3251,"end":1416.96,"sentiment":"neutral","sentiment_score":-0.10357340539877231},{"text":"So it's it's up to you at the end of day and what you want to have happen if something were to happen to you and your family situation.","start":1418.54,"end":1427.185,"sentiment":"neutral","sentiment_score":0.03820396124802787},{"text":"So if you feel like you want more cover, we can go down and explore that for you.","start":1427.405,"end":1434.2251,"sentiment":"neutral","sentiment_score":0.08136829982201259},{"text":"How that process would work is that I would book you in for kind of an in-depth pre assessment with the team.","start":1434.605,"end":1441.98,"sentiment":"neutral","sentiment_score":0.1477315483445471}],"sentiment":"neutral","sentiment_score":0.04461705283329044,"num_words":97,"start":1402.405,"end":1441.98},{"sentences":[{"text":"It's kind of a questionnaire to go into health and lifestyle and occupation in a bit more detail.","start":1442.12,"end":1450.54,"sentiment":"neutral","sentiment_score":0.06978452992108133},{"text":"What that gives me is more than an in-depth situation on that.","start":1451.16,"end":1455.755,"sentiment":"neutral","sentiment_score":0.04559157726665338},{"text":"I will send it off to all the insurers out there who would then give me an assessment on what covers are available and what cost it would be based on your specific situation.","start":1455.755,"end":1468.415,"sentiment":"neutral","sentiment_score":0.08424727361211005},{"text":"Is that something you want to go down a bit further?","start":1470.21,"end":1474.15,"sentiment":"neutral","sentiment_score":0.04539680379358205},{"text":"Or or whenever you are ready, you can just send me an email, give me a call, and we can always have a look at it whenever.","start":1474.37,"end":1481.49,"sentiment":"neutral","sentiment_score":0.08336247765907535}],"sentiment":"neutral","sentiment_score":0.0727233285011322,"num_words":102,"start":1442.12,"end":1481.49},{"sentences":[{"text":"It doesn't have to be under review.","start":1481.49,"end":1482.65,"sentiment":"neutral","sentiment_score":0.08075293898582458},{"text":"It can be whenever you want to do it.","start":1482.65,"end":1484.745,"sentiment":"neutral","sentiment_score":0.11765586584806442},{"text":"Yep.","start":1486.105,"end":1486.425,"sentiment":"neutral","sentiment_score":0.18850773572921753},{"text":"So have a little think about it.","start":1486.425,"end":1487.705,"sentiment":"neutral","sentiment_score":0.20702385689531053},{"text":"And if you feel like you want to go down it, we definitely can.","start":1487.705,"end":1490.665,"sentiment":"neutral","sentiment_score":0.24704831945044653}],"sentiment":"neutral","sentiment_score":0.17685590978515775,"num_words":38,"start":1481.49,"end":1490.665},{"sentences":[{"text":"Out of the service, you just give me an email, call the office, and say, hey.","start":1490.665,"end":1494.265,"sentiment":"neutral","sentiment_score":0.17209095880389214},{"text":"I wanna talk a bit more about my insurances, and we can definitely have a look at that for you.","start":1494.265,"end":1499.13,"sentiment":"neutral","sentiment_score":0.21733826920390129},{"text":"Perfect.","start":1502.33,"end":1502.83,"sentiment":"positive","sentiment_score":0.4856110215187073},{"text":"No.","start":1502.97,"end":1503.21,"sentiment":"neutral","sentiment_score":0.04262884706258774},{"text":"That's okay.","start":1503.21,"end":1504.01,"sentiment":"neutral","sentiment_score":0.02838735468685627}],"sentiment":"neutral","sentiment_score":0.1921308825723827,"num_words":40,"start":1490.665,"end":1504.01},{"sentences":[{"text":"Now the last thing I wanted to say about was obviously the remuneration.","start":1504.01,"end":1507.31,"sentiment":"neutral","sentiment_score":-0.004452479542053949},{"text":"There is absolutely no changes in the fee.","start":1508.01,"end":1511.145,"sentiment":"neutral","sentiment_score":0.31303689628839493},{"text":"So if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change.","start":1511.385,"end":1521.005,"sentiment":"positive","sentiment_score":0.4105634334332803},{"text":"It is just that standard 1.65 ongoing advice fee that you pay for your ongoing service.","start":1521.385,"end":1527.59,"sentiment":"neutral","sentiment_score":0.32129178289324045},{"text":"No changes in regards to the fee and no additional charges for this advice or anything like that.","start":1528.0499,"end":1533.41,"sentiment":"neutral","sentiment_score":0.17736047464940283}],"sentiment":"neutral","sentiment_score":0.2779632218311583,"num_words":89,"start":1504.01,"end":1533.41},{"sentences":[{"text":"It's all part of the ongoing advice fee.","start":1533.41,"end":1535.955,"sentiment":"neutral","sentiment_score":0.27138599194586277},{"text":"That make sense?","start":1537.635,"end":1538.5349,"sentiment":"neutral","sentiment_score":0.1811079184214274},{"text":"Yep.","start":1539.3949,"end":1539.8949,"sentiment":"neutral","sentiment_score":0.2994394898414612},{"text":"Perfect.","start":1540.0349,"end":1540.5349,"sentiment":"positive","sentiment_score":0.5825729966163635},{"text":"Now I will let you go.","start":1541.075,"end":1543.235,"sentiment":"neutral","sentiment_score":0.2364822750290235}],"sentiment":"neutral","sentiment_score":0.26396409618227107,"num_words":19,"start":1533.41,"end":1543.235},{"sentences":[{"text":"Have a read through the document.","start":1543.235,"end":1544.7749,"sentiment":"neutral","sentiment_score":0.22000517944494882},{"text":"Any questions, let me know.","start":1545.1549,"end":1547.095,"sentiment":"neutral","sentiment_score":0.2088504046201706},{"text":"If you have a read through it and you are happy and you would like to go ahead with a change, from here is that you would then click sign on the document.","start":1547.315,"end":1556.0,"sentiment":"positive","sentiment_score":0.42132262072779914},{"text":"It will prompt you to put your name and date.","start":1556.4601,"end":1559.8401,"sentiment":"neutral","sentiment_score":0.18966881930828094},{"text":"There is also a section where it asks you if you would like to make variations.","start":1560.2201,"end":1564.64,"sentiment":"neutral","sentiment_score":0.14375402918085456}],"sentiment":"neutral","sentiment_score":0.2923526034823486,"num_words":70,"start":1543.235,"end":1564.64},{"sentences":[{"text":"If you wanna change anything, you can type it in here.","start":1565.385,"end":1568.365,"sentiment":"neutral","sentiment_score":0.1116250374100425},{"text":"If there's no changes, it won't let you go further, but you can just put NA or just the full stop.","start":1568.585,"end":1574.425,"sentiment":"neutral","sentiment_score":0.07195958104871568},{"text":"You just have to put something.","start":1574.425,"end":1575.885,"sentiment":"neutral","sentiment_score":0.1353369119266669},{"text":"And then once it's finished, it will come back to me, and then I will let the team know to go ahead with the change.","start":1576.265,"end":1583.01,"sentiment":"neutral","sentiment_score":0.2743445461988449},{"text":"So that's basically kind of from here.","start":1583.63,"end":1586.51,"sentiment":"neutral","sentiment_score":0.21166256070137024}],"sentiment":"neutral","sentiment_score":0.1698757094996316,"num_words":70,"start":1565.385,"end":1586.51},{"sentences":[{"text":"Do you have any other questions for me, Abai, before I let you go and enjoy the rest of your afternoon?","start":1586.51,"end":1591.01,"sentiment":"neutral","sentiment_score":0.23139105772688276},{"text":"Yeah.","start":1597.395,"end":1597.635,"sentiment":"neutral","sentiment_score":0.002902624197304249},{"text":"No.","start":1597.635,"end":1597.875,"sentiment":"neutral","sentiment_score":-0.05097608640789986},{"text":"That's a very good question.","start":1597.875,"end":1599.3351,"sentiment":"neutral","sentiment_score":0.1040535293519497},{"text":"And it's in regards to a lot of it is a balance, but also investment choices.","start":1599.7151,"end":1605.655,"sentiment":"neutral","sentiment_score":-0.05435482528991997}],"sentiment":"neutral","sentiment_score":0.1014029361857948,"num_words":44,"start":1586.51,"end":1605.655},{"sentences":[{"text":"So Discovery is your kind of your more bare minimum product.","start":1606.15,"end":1610.07,"sentiment":"neutral","sentiment_score":-0.07983026043935255},{"text":"It's your cheapest option, but very limited in terms of investment choices.","start":1610.07,"end":1614.8099,"sentiment":"neutral","sentiment_score":-0.189413753648599},{"text":"So, typically, if it's suitable, this is this is a option we would choose within hub twenty four if a client has very little super.","start":1615.27,"end":1624.5751,"sentiment":"neutral","sentiment_score":-0.11289289891719818},{"text":"Because it's cheaper, but you don't have the same flexibility on investment.","start":1624.9551,"end":1628.9551,"sentiment":"neutral","sentiment_score":-0.06324404509117205},{"text":"So we can't do the SMA and even your old portfolio in that option because it doesn't have as many choice.","start":1628.9551,"end":1636.3351,"sentiment":"neutral","sentiment_score":-0.206648445555142}],"sentiment":"neutral","sentiment_score":-0.13669094171972923,"num_words":81,"start":1606.15,"end":1636.3351},{"sentences":[{"text":"So this typically is more someone typically kind of starting out with a lower balance because it's cheaper until they've kind of built their balance up a little bit more and can have a little bit higher fees to increase their returns and have more choices.","start":1637.4299,"end":1653.545,"sentiment":"neutral","sentiment_score":-0.0325195317602028},{"text":"Now your choice is what you were on before.","start":1654.325,"end":1658.665,"sentiment":"neutral","sentiment_score":0.09634440806176928},{"text":"So that is the the highest Yeah.","start":1658.8049,"end":1662.63,"sentiment":"neutral","sentiment_score":0.05358152517250606},{"text":"Correct.","start":1663.97,"end":1664.45,"sentiment":"neutral","sentiment_score":0.23462575674057007},{"text":"So so we're switching to true core because it's slightly cheaper.","start":1664.45,"end":1667.89,"sentiment":"neutral","sentiment_score":0.25884750756350433}],"sentiment":"neutral","sentiment_score":0.0382191922666656,"num_words":74,"start":1637.4299,"end":1667.89},{"sentences":[{"text":"It's kind of in the middle.","start":1667.89,"end":1669.09,"sentiment":"neutral","sentiment_score":0.3171522517999013},{"text":"And the good thing with the estimate, it is available on that product, and it means that you have less fees.","start":1669.09,"end":1673.505,"sentiment":"positive","sentiment_score":0.5105138889380864},{"text":"But still within hub twenty four, and we would do all that change for you in the meantime.","start":1674.0651,"end":1678.645,"sentiment":"neutral","sentiment_score":0.29666800217496025},{"text":"But it's a very, very good question.","start":1679.425,"end":1681.205,"sentiment":"positive","sentiment_score":0.4147620712007795},{"text":"If you think of anything else, sorry, always give me a call or send me an email.","start":1682.145,"end":1686.245,"sentiment":"neutral","sentiment_score":0.1378445991260164}],"sentiment":"positive","sentiment_score":0.3363829261042934,"num_words":69,"start":1667.89,"end":1686.245},{"sentences":[{"text":"Have a read through the document.","start":1686.465,"end":1687.845,"sentiment":"neutral","sentiment_score":0.10871056094765663},{"text":"But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are.","start":1688.4299,"end":1692.5099,"sentiment":"neutral","sentiment_score":0.19029400423169135},{"text":"If you are happy, just sign the document, and we'll get notified and can take it from here.","start":1692.5099,"end":1697.4099,"sentiment":"neutral","sentiment_score":0.2722160584396786},{"text":"Oh, great.","start":1699.3099,"end":1700.0299,"sentiment":"positive","sentiment_score":0.49900609254837036},{"text":"Perfect.","start":1700.0299,"end":1700.5099,"sentiment":"positive","sentiment_score":0.5903279781341553}],"sentiment":"neutral","sentiment_score":0.23290154607372082,"num_words":47,"start":1686.465,"end":1700.5099},{"sentences":[{"text":"I will let the team know.","start":1700.5099,"end":1702.45,"sentiment":"positive","sentiment_score":0.49159279465675354},{"text":"Now like I said as well, if you had ever at any point want to explore your insurances in a bit bit more detail, have a think about it.","start":1702.5349,"end":1708.7749,"sentiment":"neutral","sentiment_score":0.21056717942500935},{"text":"Just send me an email, let the team know.","start":1708.7749,"end":1710.855,"sentiment":"neutral","sentiment_score":0.23877530793348947},{"text":"We can always have a look at it.","start":1710.855,"end":1713.0349,"sentiment":"neutral","sentiment_score":0.1691323323175311},{"text":"And the last thing I do wanna mention as well is that the ID that we have on file for you has expired.","start":1713.255,"end":1721.81,"sentiment":"neutral","sentiment_score":0.006895964722270551}],"sentiment":"neutral","sentiment_score":0.16955531453092892,"num_words":75,"start":1700.5099,"end":1721.81},{"sentences":[{"text":"So did you recently receive a new driver's license or anything a little while ago?","start":1721.87,"end":1729.345,"sentiment":"neutral","sentiment_score":0.025910386939843495},{"text":"Yeah.","start":1729.6449,"end":1730.1449,"sentiment":"neutral","sentiment_score":0.04430331289768219},{"text":"When you have a moment, would you be able to send a photo of the front and the back of that email?","start":1730.445,"end":1738.465,"sentiment":"neutral","sentiment_score":0.038360500200228256},{"text":"Sorry.","start":1738.7649,"end":1739.2649,"sentiment":"neutral","sentiment_score":-0.07736159861087799},{"text":"The front and the back of your license through through our email.","start":1739.325,"end":1745.59,"sentiment":"neutral","sentiment_score":-0.038871487214540444}],"sentiment":"neutral","sentiment_score":0.01437393482774496,"num_words":51,"start":1721.87,"end":1745.59},{"sentences":[{"text":"And the email address is servicing@oqfinancial.com.au.","start":1746.45,"end":1753.11,"sentiment":"neutral","sentiment_score":0.012624681306382021},{"text":"Or would you like me to get my team to send you an email, and then you can just respond to that?","start":1753.33,"end":1758.105,"sentiment":"neutral","sentiment_score":0.061110269828614866},{"text":"Yeah.","start":1759.385,"end":1759.785,"sentiment":"neutral","sentiment_score":0.18398405611515045},{"text":"Okay.","start":1759.785,"end":1760.105,"sentiment":"positive","sentiment_score":0.4158967137336731},{"text":"Perfect.","start":1760.105,"end":1760.505,"sentiment":"positive","sentiment_score":0.7304918766021729}],"sentiment":"neutral","sentiment_score":0.08872731195221986,"num_words":31,"start":1746.45,"end":1760.505},{"sentences":[{"text":"I'll I'll get them to do that.","start":1760.505,"end":1761.785,"sentiment":"positive","sentiment_score":0.47767249175480436},{"text":"So when you have a moment, just take a quick photo of the front and the back.","start":1761.785,"end":1764.825,"sentiment":"neutral","sentiment_score":0.1578979772679946},{"text":"Just for compliance, we'll save that on file for you.","start":1764.825,"end":1767.065,"sentiment":"neutral","sentiment_score":0.2997056096792221},{"text":"So that was basically everything today, so I will let the team know to go ahead and make these change.","start":1767.065,"end":1771.085,"sentiment":"positive","sentiment_score":0.5173687025904655},{"text":"Anything else or any questions you have at any point in time, don't hesitate to give me a call.","start":1771.37,"end":1776.0901,"sentiment":"neutral","sentiment_score":0.18290123225826965}],"sentiment":"neutral","sentiment_score":0.31297981667600266,"num_words":73,"start":1760.505,"end":1776.0901},{"sentences":[{"text":"Okay?","start":1776.0901,"end":1776.5901,"sentiment":"neutral","sentiment_score":0.0689026340842247},{"text":"Yeah.","start":1779.29,"end":1779.79,"sentiment":"neutral","sentiment_score":-0.02227750793099403},{"text":"It will be faster.","start":1799.6399,"end":1800.6799,"sentiment":"neutral","sentiment_score":0.03082583984360099},{"text":"So with those ones, it's more because we can't actually we in the old system, we couldn't actually change our investments without you signing and approving anything.","start":1800.6799,"end":1810.835,"sentiment":"neutral","sentiment_score":0.0020456786873250233},{"text":"So what you got from Hub twenty four was most likely transaction reports automatically from them.","start":1811.135,"end":1817.055,"sentiment":"neutral","sentiment_score":0.03716667974367738}],"sentiment":"neutral","sentiment_score":0.016731197673147926,"num_words":49,"start":1776.0901,"end":1817.055},{"sentences":[{"text":"So when your employer makes contributions into super, obviously, your money doesn't stay in cash.","start":1817.055,"end":1822.255,"sentiment":"neutral","sentiment_score":0.04410158172249794},{"text":"It gets reinvested into your investment.","start":1822.255,"end":1824.275,"sentiment":"neutral","sentiment_score":0.09656913951039314},{"text":"So that's usually what those reports would be to let you know that it's been invested into your portfolio.","start":1824.9299,"end":1831.11,"sentiment":"neutral","sentiment_score":0.11446943800700338},{"text":"So now the good thing with the SMA is that when we make changes to your investment, we can send you the the information so you can have a read over and see the changes.","start":1831.73,"end":1842.245,"sentiment":"positive","sentiment_score":0.3970118624823434},{"text":"You don't need to action or do anything.","start":1842.385,"end":1844.0651,"sentiment":"neutral","sentiment_score":0.17640891019254923}],"sentiment":"neutral","sentiment_score":0.2255728235356061,"num_words":83,"start":1817.055,"end":1844.0651},{"sentences":[{"text":"It would just be for your awareness if you wanted to know.","start":1844.0651,"end":1847.4451,"sentiment":"neutral","sentiment_score":0.14881596512471637},{"text":"Yay.","start":1847.585,"end":1848.085,"sentiment":"neutral","sentiment_score":-0.08999188989400864},{"text":"Yes.","start":1857.12,"end":1857.6,"sentiment":"neutral","sentiment_score":-0.02546155266463757},{"text":"So Yes.","start":1857.6,"end":1865.795,"sentiment":"neutral","sentiment_score":-0.026644190773367882},{"text":"Well, we couldn't have made they couldn't have done any changes to the investments because you had to have approved it.","start":1865.935,"end":1872.5951,"sentiment":"neutral","sentiment_score":-0.07881731220654078}],"sentiment":"neutral","sentiment_score":-0.0010301026742200593,"num_words":37,"start":1844.0651,"end":1872.5951},{"sentences":[{"text":"Yeah.","start":1872.655,"end":1872.9751,"sentiment":"neutral","sentiment_score":0.0917142927646637},{"text":"Does that make sense?","start":1872.9751,"end":1874.115,"sentiment":"neutral","sentiment_score":0.041697447188198566},{"text":"Yes.","start":1874.6699,"end":1875.1699,"sentiment":"neutral","sentiment_score":0.23740865290164948},{"text":"Perfect.","start":1875.87,"end":1876.37,"sentiment":"positive","sentiment_score":0.5695613622665405},{"text":"Well, I will let you go.","start":1876.83,"end":1878.4299,"sentiment":"positive","sentiment_score":0.4644761582215627}],"sentiment":"neutral","sentiment_score":0.2963331573857711,"num_words":13,"start":1872.655,"end":1878.4299},{"sentences":[{"text":"Like I said, anything you need, just let me know.","start":1878.4299,"end":1880.85,"sentiment":"positive","sentiment_score":0.3689454019069672},{"text":"Mhmm.","start":1882.5099,"end":1882.99,"sentiment":"positive","sentiment_score":0.3804991543292999},{"text":"No problem.","start":1882.99,"end":1883.7899,"sentiment":"positive","sentiment_score":0.3864317536354065},{"text":"You too.","start":1883.7899,"end":1884.59,"sentiment":"neutral","sentiment_score":0.25640229880809784},{"text":"Bye.","start":1884.59,"end":1885.09,"sentiment":"neutral","sentiment_score":0.19014939665794373}],"sentiment":"positive","sentiment_score":0.34661066718399525,"num_words":16,"start":1878.4299,"end":1885.09}]}}]},{"alternatives":[{"transcript":"Okay. Hello? Yes. May I speak to you? Good. How are you? Mhmm. Mhmm. Yeah. Yeah. It's okay. Okay. It's been '21. Good. And you? I just came back from Brisbane. Yeah. I was I was in the Gold Coast, actually. I was between Gold Coast and and Brisbane, and my brother lives there. No. He lives in Brisbane, but we were going to the Gold Coast to we went to Aqua Park for the kids. And we went to and had the shawarma place from Zorona. It was really yummy. Oh, South Boy. Okay. Oh, that's nice. Amazing. Yes. I do. Just a second. Email. Mhmm. M Mhmm. Okay. Yes. I see it. Yes. Can you remind me of it? So a statement of advice. Right? And what what is it like like that you can you can do the you can do the thing like, you can do the investment without coming back to me. What was it exactly? Sure. Okay. Awesome. Yes. Mhmm. Okay. Perfect. Color of our device. Yeah. Just a question, please, Veronica. I was talking to my brother. He's much younger than me. He's with Australia with what you call it? He's with the Subaru Australia Australian Subaru. And I was looking at his cover, like, insurance and and his cover much more than my like, almost $500. And he's pay and he's been only $17. Like, I don't understand why it's this the month here. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Okay. Mhmm. Mhmm. Yes. No. No. No. No. No. That's that's really no. No. I like I like I'm I'm I'm I'm reading about the advantages and disadvantages. I'm really happy. BlackRock investment team is also part of Oakview. Like, you you part of it. Right? Or it's a third party? It's a joint, third care. Mhmm. Will they have full access to my account? Mhmm. Mhmm. Okay. Mhmm. Mhmm. Okay. Absolutely. No. I'm I'm 100 I'm 100% I'm 100% in. I'm reading through it. Yeah. No. It looks Okay. Mhmm. Amazing. Amazing. So this is only for saving on the fees and and there, but it's not about the actual return of investment. Right? But when I joined HUB24 and the adviser did all the check for me, he put me on that scheme, and he said, if I stay the same without any increment, without anything, I will have almost a million dollars in my account by the age of 60. So looking at this now, I'm saying in ten years, the the for I'm sorry. The difference. I'm sorry. All good. All good. Okay. Okay. Yes. 15. 16. Yes. The table. Mhmm. So my balance my balance my balance will will will remain the same, right, when we switch? Okay. Makes sense. Mhmm. Mhmm. Yes. Okay. No. No. All good. All clear. Yes. From from how much to how much? Sorry. Yes. Yes. Yes. Exactly. Exactly. Mhmm. Absolutely. Yeah. I'm gonna I'm gonna study I'm gonna study this. I'm expecting, hopefully, a salary increment. So once it's done, I will I will tell finance to increase their self contribution. Yes. Mhmm. All clear. But my my question, do you think do you think that I should do some changes to my insurance cover or no? Mhmm. Mhmm. Mhmm. Okay. Amazing. Thank you so much. Okay. Perfect. Yep. 100 percent. Yep. What's the difference between between Discover menu, Core menu, and Choice menu? Mhmm. Mhmm. Mhmm. So the cord is what we're switching to. Okay. Alright. Okay. Perfect. Okay. Perfect. I already did. Mhmm. Yes. I have a driver license. Sure. Yes, please. Okay. Sure. Okay. But one last question. Before, I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment. I just received an email saying we have changed this to this and this to that, and we invested this much and this much. Like, is it gonna be the same with this SMA Choice, or it's gonna be even faster? Mhmm. Mhmm. Okay. But now what I mean what I mean, I never approved I never approved anything even before. So does that mean that they did not do any changes to my account? Like, before, during the last three years, I never received an email saying, we will change your investment to this. Please approve. Okay. Makes sense. Thank you. I appreciate it. All clear. Thank you. Have a great day. Appreciate it. K. Bye bye. 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Hello? Yes. May I speak to you? Good.\n\nHow are you? Mhmm. Mhmm. Yeah. Yeah.\n\nIt's okay. Okay. It's been '21. Good. And you?\n\nI just came back from Brisbane. Yeah. I was I was in the Gold Coast, actually. I was between Gold Coast and and Brisbane, and my brother lives there. No.\n\nHe lives in Brisbane, but we were going to the Gold Coast to we went to Aqua Park for the kids. And we went to and had the shawarma place from Zorona. It was really yummy. Oh, South Boy. Okay.\n\nOh, that's nice. Amazing. Yes. I do. Just a second.\n\nEmail. Mhmm. M Mhmm. Okay. Yes.\n\nI see it. Yes. Can you remind me of it? So a statement of advice. Right?\n\nAnd what what is it like like that you can you can do the you can do the thing like, you can do the investment without coming back to me. What was it exactly? Sure. Okay. Awesome.\n\nYes. Mhmm. Okay. Perfect. Color of our device.\n\nYeah. Just a question, please, Veronica. I was talking to my brother. He's much younger than me. He's with Australia with what you call it?\n\nHe's with the Subaru Australia Australian Subaru. And I was looking at his cover, like, insurance and and his cover much more than my like, almost $500. And he's pay and he's been only $17. Like, I don't understand why it's this the month here. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Okay.\n\nOkay. Mhmm. Mhmm. Yes. No.\n\nNo. No. No. No. That's that's really no.\n\nNo. I like I like I'm I'm I'm I'm reading about the advantages and disadvantages. I'm really happy. BlackRock investment team is also part of Oakview. Like, you you part of it.\n\nRight? Or it's a third party? It's a joint, third care. Mhmm. Will they have full access to my account?\n\nMhmm. Mhmm. Okay. Mhmm. Mhmm.\n\nOkay. Absolutely. No. I'm I'm 100 I'm 100% I'm 100% in. I'm reading through it.\n\nYeah. No. It looks Okay. Mhmm. Amazing.\n\nAmazing. So this is only for saving on the fees and and there, but it's not about the actual return of investment. Right? But when I joined HUB24 and the adviser did all the check for me, he put me on that scheme, and he said, if I stay the same without any increment, without anything, I will have almost a million dollars in my account by the age of 60. So looking at this now, I'm saying in ten years, the the for I'm sorry.\n\nThe difference. I'm sorry. All good. All good. Okay.\n\nOkay. Yes. 15. 16. Yes.\n\nThe table. Mhmm. So my balance my balance my balance will will will remain the same, right, when we switch? Okay. Makes sense.\n\nMhmm. Mhmm. Yes. Okay. No.\n\nNo. All good. All clear. Yes. From from how much to how much?\n\nSorry. Yes. Yes. Yes. Exactly.\n\nExactly. Mhmm. Absolutely. Yeah. I'm gonna I'm gonna study I'm gonna study this.\n\nI'm expecting, hopefully, a salary increment. So once it's done, I will I will tell finance to increase their self contribution. Yes. Mhmm. All clear.\n\nBut my my question, do you think do you think that I should do some changes to my insurance cover or no? Mhmm. Mhmm. Mhmm. Okay.\n\nAmazing. Thank you so much. Okay. Perfect. Yep.\n\n100 percent. Yep. What's the difference between between Discover menu, Core menu, and Choice menu? Mhmm. Mhmm.\n\nMhmm. So the cord is what we're switching to. Okay. Alright. Okay.\n\nPerfect. Okay. Perfect. I already did. Mhmm.\n\nYes. I have a driver license. Sure. Yes, please. Okay.\n\nSure. Okay. But one last question. Before, I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment. I just received an email saying we have changed this to this and this to that, and we invested this much and this much.\n\nLike, is it gonna be the same with this SMA Choice, or it's gonna be even faster? Mhmm. Mhmm. Okay. But now what I mean what I mean, I never approved I never approved anything even before.\n\nSo does that mean that they did not do any changes to my account? Like, before, during the last three years, I never received an email saying, we will change your investment to this. Please approve. Okay. Makes sense.\n\nThank you. I appreciate it. All clear. Thank you. Have a great day.\n\nAppreciate it. K. Bye bye. 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no?","start":1391.41,"end":1399.43,"sentiment":"neutral","sentiment_score":-0.07427012674849141},{"text":"Mhmm.","start":1426.11,"end":1426.61,"sentiment":"neutral","sentiment_score":0.008483310230076313},{"text":"Mhmm.","start":1451.34,"end":1451.84,"sentiment":"neutral","sentiment_score":0.05391533672809601},{"text":"Mhmm.","start":1465.9451,"end":1466.4451,"sentiment":"neutral","sentiment_score":0.03377062454819679},{"text":"Okay.","start":1479.36,"end":1479.86,"sentiment":"neutral","sentiment_score":0.10838569700717926}],"sentiment":"neutral","sentiment_score":-0.05497645461358703,"num_words":26,"start":1391.41,"end":1479.86},{"sentences":[{"text":"Amazing.","start":1501.0599,"end":1501.46,"sentiment":"positive","sentiment_score":0.6253838539123535},{"text":"Thank you so 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menu?","start":1591.865,"end":1596.685,"sentiment":"neutral","sentiment_score":-0.008669204311445355},{"text":"Mhmm.","start":1615.73,"end":1616.23,"sentiment":"neutral","sentiment_score":-0.09887604415416718},{"text":"Mhmm.","start":1637.75,"end":1638.25,"sentiment":"neutral","sentiment_score":-0.03302938863635063}],"sentiment":"neutral","sentiment_score":0.044015934197779966,"num_words":17,"start":1539.365,"end":1638.25},{"sentences":[{"text":"Mhmm.","start":1659.995,"end":1660.495,"sentiment":"neutral","sentiment_score":0.03853030502796173},{"text":"So the cord is what we're switching to.","start":1661.035,"end":1663.1951,"sentiment":"neutral","sentiment_score":0.02876282308716327},{"text":"Okay.","start":1663.1951,"end":1663.6951,"sentiment":"neutral","sentiment_score":0.1161794513463974},{"text":"Alright.","start":1663.755,"end":1664.255,"sentiment":"neutral","sentiment_score":0.1853092908859253},{"text":"Okay.","start":1674.26,"end":1674.5,"sentiment":"neutral","sentiment_score":0.2538353204727173}],"sentiment":"neutral","sentiment_score":0.06866307936919232,"num_words":12,"start":1659.995,"end":1674.5},{"sentences":[{"text":"Perfect.","start":1674.5,"end":1675.0,"sentiment":"positive","sentiment_score":0.34400004148483276},{"text":"Okay.","start":1679.0599,"end":1679.5399,"sentiment":"neutral","sentiment_score":0.2319377362728119},{"text":"Perfect.","start":1679.5399,"end":1680.0399,"sentiment":"positive","sentiment_score":0.4657379686832428},{"text":"I already did.","start":1697.51,"end":1698.57,"sentiment":"neutral","sentiment_score":0.11585862437884013},{"text":"Mhmm.","start":1711.635,"end":1712.135,"sentiment":"neutral","sentiment_score":0.1464313119649887}],"sentiment":"neutral","sentiment_score":0.21938327593462809,"num_words":7,"start":1674.5,"end":1712.135},{"sentences":[{"text":"Yes.","start":1727.36,"end":1727.6,"sentiment":"neutral","sentiment_score":0.04423299059271813},{"text":"I have a driver license.","start":1727.6,"end":1728.98,"sentiment":"neutral","sentiment_score":0.02973465733230114},{"text":"Sure.","start":1753.59,"end":1754.09,"sentiment":"neutral","sentiment_score":0.05310697108507157},{"text":"Yes, please.","start":1758.39,"end":1759.21,"sentiment":"neutral","sentiment_score":0.11968410760164261},{"text":"Okay.","start":1762.71,"end":1763.21,"sentiment":"neutral","sentiment_score":0.13360366225242615}],"sentiment":"neutral","sentiment_score":0.06189851257950067,"num_words":10,"start":1727.36,"end":1763.21},{"sentences":[{"text":"Sure.","start":1764.355,"end":1764.855,"sentiment":"neutral","sentiment_score":0.14703455567359924},{"text":"Okay.","start":1777.1699,"end":1777.49,"sentiment":"neutral","sentiment_score":0.029128724709153175},{"text":"But one last question.","start":1777.49,"end":1778.71,"sentiment":"neutral","sentiment_score":-0.0014009596779942513},{"text":"Before, I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment.","start":1779.1699,"end":1786.2899,"sentiment":"neutral","sentiment_score":-0.14098327486620596},{"text":"I just received an email saying we have changed this to this and this to that, and we invested this much and this much.","start":1786.2899,"end":1793.375,"sentiment":"neutral","sentiment_score":-0.04642222682014108}],"sentiment":"neutral","sentiment_score":-0.08013282590373247,"num_words":54,"start":1764.355,"end":1793.375},{"sentences":[{"text":"Like, is it gonna be the same with this SMA Choice, or it's gonna be even faster?","start":1793.595,"end":1798.4149,"sentiment":"neutral","sentiment_score":-0.0066678131766179025},{"text":"Mhmm.","start":1816.36,"end":1816.86,"sentiment":"neutral","sentiment_score":0.02044699899852276},{"text":"Mhmm.","start":1830.415,"end":1830.915,"sentiment":"neutral","sentiment_score":0.0829208642244339},{"text":"Okay.","start":1846.2051,"end":1846.525,"sentiment":"neutral","sentiment_score":0.0004032161086797714},{"text":"But now what I mean what I mean, I never approved I never approved anything even before.","start":1846.525,"end":1851.025,"sentiment":"neutral","sentiment_score":-0.16544923756052465}],"sentiment":"neutral","sentiment_score":-0.07627618332972398,"num_words":37,"start":1793.595,"end":1851.025},{"sentences":[{"text":"So does that mean that they did not do any changes to my account?","start":1851.3251,"end":1855.345,"sentiment":"neutral","sentiment_score":-0.17505324951239995},{"text":"Like, before, during the last three years, I never received an email saying, we will change your investment to this.","start":1857.085,"end":1863.53,"sentiment":"neutral","sentiment_score":-0.16850332911126314},{"text":"Please approve.","start":1863.53,"end":1864.27,"sentiment":"neutral","sentiment_score":-0.12063251808285713},{"text":"Okay.","start":1869.6901,"end":1870.17,"sentiment":"neutral","sentiment_score":-0.04058307036757469},{"text":"Makes sense.","start":1870.17,"end":1870.81,"sentiment":"neutral","sentiment_score":0.03229039907455444}],"sentiment":"neutral","sentiment_score":-0.1548225483021293,"num_words":39,"start":1851.3251,"end":1870.81},{"sentences":[{"text":"Thank you.","start":1870.81,"end":1871.29,"sentiment":"neutral","sentiment_score":0.33038991689682007},{"text":"I appreciate it.","start":1871.29,"end":1873.2101,"sentiment":"neutral","sentiment_score":0.1463479275504748},{"text":"All clear.","start":1873.2101,"end":1873.9501,"sentiment":"neutral","sentiment_score":0.06440675258636475},{"text":"Thank you.","start":1881.205,"end":1881.6849,"sentiment":"positive","sentiment_score":0.6834752559661865},{"text":"Have a great day.","start":1881.6849,"end":1882.485,"sentiment":"positive","sentiment_score":0.7238395065069199}],"sentiment":"positive","sentiment_score":0.42238043535214204,"num_words":13,"start":1870.81,"end":1882.485},{"sentences":[{"text":"Appreciate it.","start":1882.485,"end":1885.045,"sentiment":"positive","sentiment_score":0.4547877013683319},{"text":"K.","start":1885.045,"end":1885.205,"sentiment":"neutral","sentiment_score":0.0655551627278328},{"text":"Bye bye.","start":1885.205,"end":1885.765,"sentiment":"neutral","sentiment_score":0.13403601199388504},{"text":"Bye.","start":1885.765,"end":1886.265,"sentiment":"neutral","sentiment_score":-0.12450063228607178}],"sentiment":"neutral","sentiment_score":0.18645032619436583,"num_words":6,"start":1882.485,"end":1886.265}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Okay. Hello?\n\nChannel 0: Good afternoon. Is this a buyer?\n\nChannel 1: Yes. May I speak to\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: you? Good. How are you?\n\nChannel 0: Good. Thanks. I had you booked in for it's a pretty quick catch\n\nChannel 1: Mhmm.\n\nChannel 0: up, really, just to go through the reset I did after our last conversation about, like, the SMA and different options for you. Is now still\n\nChannel 1: Mhmm.\n\nChannel 0: a good time?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our call is being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. It's okay.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Okay. It's been '21.\n\nChannel 0: Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: Good. And you?\n\nChannel 0: Yeah. Good.\n\nChannel 1: I just came back from Brisbane.\n\nChannel 0: Good. Oh, lovely. Did you?\n\nChannel 1: Yeah.\n\nChannel 0: That you should have just come all the way to the Gulf Coast, and we could have done it then.\n\nChannel 1: I was I was in the Gold Coast, actually. I was between\n\nChannel 0: How are you?\n\nChannel 1: Gold Coast and and Brisbane, and my brother lives there.\n\nChannel 0: Oh. Oh, wow. Whereabouts on the Gold Coast, or whereabouts were you?\n\nChannel 1: No. He lives in Brisbane, but we were going to the Gold Coast to we went to Aqua Park for the kids.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Oh,\n\nChannel 1: we\n\nChannel 0: lovely.\n\nChannel 1: went to and had the shawarma place from Zorona. It was really yummy.\n\nChannel 0: Yeah. Oh, lovely. Well, yeah, we're just up in Southport, so kind of northern end.\n\nChannel 1: Oh, South\n\nChannel 0: But\n\nChannel 1: Boy.\n\nChannel 0: yeah.\n\nChannel 1: Okay. Oh,\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Just\n\nChannel 1: nice.\n\nChannel 0: just in Southport. Kind of just by the Broadwater, which which is really nice. Beautiful\n\nChannel 1: Amazing.\n\nChannel 0: day today. I will try not to take up too much of your time. Now I have just sent you an email. Do you have access to your emails at the moment?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep. Perfect. Just let me know when\n\nChannel 1: Just\n\nChannel 0: that one comes through. Okay?\n\nChannel 1: a second.\n\nChannel 0: Yep.\n\nChannel 1: Email. Mhmm. M\n\nChannel 0: Yes. Yep. Perfect. Now if you can open that one for me, you will see before you click on the link where it says sign now, you will see a couple of attachments. I will let you have a read over them in your own time, but it's basically all just the supporting documents for the research.\n\nIt's in there for you. There's a bit more information in regards to the SMA and other things as well, But don't need\n\nChannel 1: Mhmm.\n\nChannel 0: to find those. It's just there for your reference. But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything so you can look at everything and, obviously, make sure you're happy with it before signing anything. And let me know if you can see the cover page where it says statement of advice, and then you see a nice little photo of the Gold Coast.\n\nChannel 1: Okay. Yes. I see\n\nChannel 0: Yes. Yes. Perfect. Now do you remember our conversation a few\n\nChannel 1: it.\n\nChannel 0: weeks ago in regards to your superannuation and wanting to do some research on the the SMA and see if that was going to be a better option for you moving forward. Do you remember that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. So today is pretty straightforward. I've done all the research, and I have made a recommendation after what we spoke about.\n\nSo today is just to kind of go through the recommendations. Now at the end of the day, it is completely up to you if you do wanna go ahead with the recommendations or not.\n\nChannel 1: Can you remind me of it? So a statement of advice. Right?\n\nChannel 0: Mhmm.\n\nChannel 1: And what what is it like like that you can you can do the you can do the thing like, you can do the investment without coming back to me. What was it exactly?\n\nChannel 0: Yes. So I will go through this in detail with you here, explaining\n\nChannel 1: Sure.\n\nChannel 0: exactly what it is. I will also get you to, you know, have a reader because it is quite long. It's thirty three pages. Everything you need to know is in there. I'll go through kind of the main points for you, and then you can kind of read through a lot of it yourself as well.\n\nBut I'll go through\n\nChannel 1: Okay.\n\nChannel 0: kind of the main sections today. But before I kind of do it go any further as well, just on the cover page, you will see that this is tailored specifically for you, and you will have my authorized representative number listed there. And I'm obviously licensed under OCU Financial. Underneath that, you'll see all our contact details, where we're located, and stuff like that.\n\nChannel 1: Awesome.\n\nChannel 0: Now, yeah, on the second page for me, you will see the best interest duty. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now, basically, what this is is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if\n\nChannel 1: Mhmm.\n\nChannel 0: I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me. So there's a lot in place to, obviously, protect you and making sure that what we are recommending is just for your benefit.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yes. Perfect. Now as you scroll through table of content, pretty self explanatory, you will then have scope of advice. Can you see that?\n\nChannel 1: Color of our device. Yeah.\n\nChannel 0: Yeah. Perfect. Now this is just kind of the areas we are focusing on today. So pretty straightforward. The main the main focus is your superannuation, making sure that we can maximize that growth as much as possible while you do have plenty of time until retirement.\n\nAlso, with your insurances, we kind of spoke about that in length last time. At the moment, it's quite affordable for you, and you're quite happy with it, so not making any changes to your insurances. And then on the next page is just areas where\n\nChannel 1: Just\n\nChannel 0: not\n\nChannel 1: a\n\nChannel 0: making\n\nChannel 1: question,\n\nChannel 0: it. Yeah.\n\nChannel 1: please, Veronica. I was talking to my brother. He's much younger than me. He's with Australia with what you call it?\n\nChannel 0: Australia\n\nChannel 1: He's\n\nChannel 0: Super?\n\nChannel 1: with the Subaru Australia Australian Subaru.\n\nChannel 0: Yep.\n\nChannel 1: And I was looking at his cover, like, insurance and and his cover much more than my like, almost $500.\n\nChannel 0: Mhmm. Mhmm. It's usually\n\nChannel 1: And he's\n\nChannel 0: when\n\nChannel 1: pay\n\nChannel 0: you\n\nChannel 1: and\n\nChannel 0: are\n\nChannel 1: he's been only $17. Like, I don't\n\nChannel 0: per\n\nChannel 1: understand\n\nChannel 0: month\n\nChannel 1: why it's this the month\n\nChannel 0: or\n\nChannel 1: here.\n\nChannel 0: per year per month. So you only pay let me see here. Sorry. How it's based? Because this is group cover.\n\nSo it's based and tailored on your age. So the older you get, the less cover you have. So if he is younger than you, then that makes sense because the older you get, the less cover it you have and also the more expensive the cover becomes. Because in insurance line, they are the older you get, there's a higher risk of something happening. So it does become more expensive the older you get, and you're also covered for less.\n\nNow you pay on a monthly basis, you pay $13.26.\n\nChannel 1: Mhmm. Mhmm. Mhmm.\n\nChannel 0: And it's actually outlined on page eight. If you wanna scroll down to page eight, the other two pages that you scroll through, there's just some just some information about you, just your assets and liabilities. But on page eight, you see your current due preannuation. That will have your insurances listed underneath that as well.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Yep. So the premium there, 159, that's per year. So per\n\nChannel 1: Okay.\n\nChannel 0: month, that's, yeah, $13.26, which is which is quite cheap. And you do have your life and TCD at that 215,040. Every year, they will get less. So if there's ever a situation you do wanna revisit it later, we can always have a look at it. If you want more cover, it will be more expensive.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Otherwise, you have, obviously, your superannuation with hub twenty four. On the next page, you will see your risk profile. Can you see that okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. So when we kind of spoke about it last time, we kind of agreed that you are currently in a high growth portfolio. It's very suitable for where you are at at the moment in terms of a time frame, but also kind of your risk tolerance. And the focus is to try to grow your super as much as possible before retirement.\n\nSo it's definitely suitable for you. We are not making any changes in your risk profile. Just basically focusing on those investments tryna improve the returns a little bit there for you. Does that all make sense so far?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yeah. Perfect. Now what I might get you to do, actually so on page 11, you will see and this is where I'll get you to have a read over in your own time. You will see the actual recommendation outlined. And there's a lot of kind of wording in regards to factors I did consider, research, why I did decide to proceed with the SMA instead of other options because I did a lot of research on other portfolios as well because we have to make sure that the SMA is suitable for you, and it will put you in a better position so that it will make the fees cheaper and also also improve the return.\n\nSo that was an important thing in making the consideration. I also researched other options. So outside hub 24 just to make sure the hub 24 is still the best competitive option for you because there's always new products and features that comes out. So it is good to, you know, make sure that that's still competitive, and it very much is. It's very competitive when it comes to, you know, the fees for similar options and gives you so many choices in terms of investment flexibility.\n\nNow as you kind of read through this again on your own time, you will see advantages associated with the recommendation, the disadvantages. I will highlight a few of them, but I'll show you the table because it's a bit easier. Also, there's a lot more in regards to the SMA. So on page 13, again, a bit more information on why it's really beneficial as well. Obviously, we have merged with BlackRock in putting this as the mate together.\n\nSo he joined our investment committee as well as BlackRock, which is one of the biggest fund managers in the world. So, obviously, combining all that expertise is really good. We also get to utilize all of their research programs in assessing investments, all their, you know, the risks and volatilities and stuff like that. They have really good softwares to kind of project and forecast a lot of that, which is really, really beneficial, especially when there's a lot of, you know, fluctuations and stuff going on in the world at the moment. But the biggest thing with the SMA in what made it so it so competitive for you is that it allows us to make those underlying changes to your portfolio very quickly.\n\nSo, for example, in, obviously, today's market condition, like we said, if there is one investment that has been underperforming and we wanted to go ahead and make the change in your current style of how it's set up, I would obviously go and do all the research. We will then put together everything like we're going through today. You would have to sign and agree to the change before we can make it.\n\nChannel 1: No.\n\nChannel 0: Now that\n\nChannel 1: No. No. No. No. That's that's really\n\nChannel 0: Exactly.\n\nChannel 1: no. No. I like I like I'm I'm I'm I'm reading about the advantages and disadvantages. I'm really happy. BlackRock\n\nChannel 0: Yeah.\n\nChannel 1: investment team is also part of Oakview. Like, you you part of it. Right? Or it's a third party?\n\nChannel 0: It's a it's a separate. So we we still do it with them. So it's a joint. So we\n\nChannel 1: It's\n\nChannel 0: have\n\nChannel 1: a joint,\n\nChannel 0: our\n\nChannel 1: third care.\n\nChannel 0: it's a joint. Yeah. So you can just Google in BlackRock, and you'll see that they are one of the biggest investment managers in the world. They are massive.\n\nChannel 1: Mhmm.\n\nChannel 0: So we have partnered up with that. So we still are very much involved. So we are working alongside them to come up with the best portfolio together.\n\nChannel 1: Will they have full access to my account?\n\nChannel 0: No. Only the so we only do the investment side of it. They don't have any authority to make any changes or anything like that. They\n\nChannel 1: Mhmm.\n\nChannel 0: only\n\nChannel 1: Mhmm.\n\nChannel 0: choose the investment alongside with us. So we go ahead and make those changes. So they don't have access to withdraw money or nothing like that at\n\nChannel 1: Okay.\n\nChannel 0: all. Yeah. But the biggest thing with the SMA concept is that it avoids us having to do these SOAs for minor changes. So if it's just we're swapping out one investment, let's say there is one that's, you know, there is something happening in the world and in in a sector that we wanna change out, we can make those changes really quickly in the back end to let you still\n\nChannel 1: Mhmm.\n\nChannel 0: know of the changes. And when you go into your Hub twenty four account, you can see the changes there. So you still have the full visibility when you log in, but it just means that we can make it really quickly, which is what you also want to do when there are obviously a bit of fluctuations. Because if you foresee that you wanna make a change, because the market can obviously fluctuate on a daily basis and there's things that can change very quickly,\n\nChannel 1: Mhmm.\n\nChannel 0: us having the option of making those changes quickly means that we can utilize that, which is really\n\nChannel 1: Okay.\n\nChannel 0: good. Otherwise, the way things are now is that when we spoke last, it's been a couple of weeks. And during that time, there's a lot that could happen. And if we wanted to make a change quickly, the market could have, let's say, dropped\n\nChannel 1: Absolutely.\n\nChannel 0: further. Yeah.\n\nChannel 1: No. I'm\n\nChannel 0: So\n\nChannel 1: I'm 100 I'm 100% I'm 100%\n\nChannel 0: yeah.\n\nChannel 1: in. I'm\n\nChannel 0: Oh,\n\nChannel 1: reading\n\nChannel 0: perfect.\n\nChannel 1: through it. Yeah.\n\nChannel 0: Yeah. That's good. Now I\n\nChannel 1: No.\n\nChannel 0: wanna\n\nChannel 1: It\n\nChannel 0: show you just on on a on a dollar figure as well how it changes because that's usually\n\nChannel 1: looks\n\nChannel 0: pretty good as well, which is page 18, which you may kind of be up to.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So this just puts everything kind of on a dollar figure for you to make it easy. Now the good thing with the the SMA that I have recommended, it is on still within Hub 24, but it is on one of their cheaper product offering, which actually means that you are saving quite a bit in admin fee. So you can see the difference in admin fees is about $270. That is just the cost\n\nChannel 1: Mhmm.\n\nChannel 0: savings from the platform, which is really good.\n\nChannel 1: Amazing.\n\nChannel 0: Aside from that, you can also see that the investment fees are cheaper. So, again, $304 cheaper than your current investment. So, overall, we're factoring in everything. It's a difference of about $561 per year. So it does make quite a big difference.\n\nChannel 1: Amazing.\n\nChannel 0: Now you can see underneath it as well that with the return. So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same. So even though we are making it cheaper, the performance have also been better. So, overall, that's obviously putting in a lot better position, which you can actually see on the following page versus page 19. You can then see kind of projected forward five and ten years, and you can see even in five years, that it's a pretty big difference by just making those couple of changes.\n\nChannel 1: So this is only for saving on the fees and and there, but it's not about the actual return of investment. Right?\n\nChannel 0: It's both. So it's factoring in reducing fees and the better performer.\n\nChannel 1: But when I joined HUB24 and the adviser did all the check for me, he put me on that scheme, and he said, if I stay the same without any increment, without anything, I will have almost a million dollars in my account by the age of 60. So looking at\n\nChannel 0: But\n\nChannel 1: this now, I'm saying in ten years, the the for I'm sorry. The difference. I'm sorry. All good.\n\nChannel 0: yes.\n\nChannel 1: All good.\n\nChannel 0: Yeah. No. Good, though. Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments. When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation.\n\nNow we've kinda minimized that as much as possible, and it does change kind of on a daily when you calculate it, but it will be around $505 as a one off when we make the changes on your investment. And that is purely the tax that will come out. Does that so that is page 18 again on that table at the top of where it says the balance difference. That's the only reason why it's the $505 difference in the balance is the estimated\n\nChannel 1: Okay.\n\nChannel 0: tax. Yep.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Great. Perfect. Now what I'll get you to do is just scroll up for me on page 16.\n\nChannel 1: 15.\n\nChannel 0: 16. Sorry.\n\nChannel 1: 16. Yes. The table.\n\nChannel 0: Yes. Yes. No. This is pretty straightforward. It just shows you your current investment.\n\nWe are selling out of them and swapping you into the SMA. Now with the SMA, we're doing a fifty fifty into two different ones, and that's to give you the closest asset allocation and keeping you in a high growth portfolio and also having diversification. Now when you then go into your hub 24 when we've made the changes here, you can just see that it is the SMA, which allows us to make those changes quickly. But when you actually go into your hub 24 when we've made the change and you click on this, you can see all the underlying investment as well. So you still have that oversight.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: So my\n\nChannel 0: Now\n\nChannel 1: balance my balance my balance will will will remain the same, right, when we switch?\n\nChannel 0: Yes. The only the only difference is the tax that will come out, which is about 505\n\nChannel 1: Okay.\n\nChannel 0: that will\n\nChannel 1: Makes\n\nChannel 0: come out.\n\nChannel 1: sense.\n\nChannel 0: Yes. But, otherwise, yes, it will just cross straight over just the tax that will come out, which can obviously, depending on what what the market price is, be a little bit little bit different, but it will be around 505. But even on the cost saving in the platform and investment fees alone, you will make that up very quickly.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now on page 17, you can see how that reflects in, like, a pie chart on the table. Can you see that?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yep. So you'll have your risk profile, which is that high growth ninety ten, about 90 in your growth investment, and 10 in defensive, your existing portfolio, and then the proposed. So you can set up a post a little bit closer aligned to your risk profile as well. Both very much within the range of a high growth, but a little bit closer.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now most of this kind of what I've gone through is in, like, writing in words for you as well so that you can have a read over it. But before I kind of move on to the salary sacrifice, do you have any other questions so far, or is that pretty\n\nChannel 1: No.\n\nChannel 0: straightforward?\n\nChannel 1: No. All good. All clear.\n\nChannel 0: Yep. Perfect. Now if you can scroll through page 20 for me.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month. So I've just included this here\n\nChannel 1: From\n\nChannel 0: for you\n\nChannel 1: from how\n\nChannel 0: to\n\nChannel 1: much\n\nChannel 0: show\n\nChannel 1: to\n\nChannel 0: you.\n\nChannel 1: how much? Sorry.\n\nChannel 0: A $100 per month to 2\n\nChannel 1: Yes.\n\nChannel 0: 50 per month.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So I've shown you what that looks like on a number side. So on this table here on page 20, you can see how that reflects. So you can basically see your income is the same, but, obviously, after tax, by increasing your salary sacrifice, you can see the net income difference.\n\nChannel 1: Yes.\n\nChannel 0: So it's about 1,224 less in your pocket per year by salary\n\nChannel 1: Exactly.\n\nChannel 0: sacrificing. Yeah.\n\nChannel 1: Exactly.\n\nChannel 0: Now on on the plus side, underneath it, you have how that reflects in contributions. So the total net contributions there, you will see current and proposed. So you will have an extra $1,800 into super. So on a net saving, by doing it so, basically, what you are saving in tax, by do by increasing that little bit, it's saving you about 576. And that's the difference between the net income and the total contribution.\n\nSo it does make a it does make a bit pretty big difference from just a tax savings, plus you get, obviously, more into super to boost that and make it work a little bit harder for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make sense?\n\nChannel 1: Absolutely. Yeah. I'm\n\nChannel 0: Yep.\n\nChannel 1: gonna I'm gonna study I'm gonna study this. I'm expecting, hopefully, a salary increment.\n\nChannel 0: Yes. Yep. Perfect.\n\nChannel 1: So once\n\nChannel 0: Do you know\n\nChannel 1: it's done,\n\nChannel 0: roughly?\n\nChannel 1: I will I will tell finance to increase their self contribution.\n\nChannel 0: Yeah. Yes. Perfect. And we can keep a lookout for it as well. And the good thing with salary sacrifice is that you can change it whenever.\n\nSo if it's ever that your situation changed, you have more expenses, you can stop it, You can increase it. You you can change it based on it's not you can just talk to your employer about it and change it, which is very easy.\n\nChannel 1: Yes.\n\nChannel 0: So that's good. The only thing to be mindful of is that, obviously, putting it into super, it is that it is locked in until you meet a condition of a late. So for example, turning 60 and stop working. So that's the only kind of thing to be mindful of is the more that you put in, the more you have for retirement and the more you save in tax, but it will kind of be locked in just so, you know, you don't need that short term.\n\nChannel 1: Mhmm. All\n\nChannel 0: Yep.\n\nChannel 1: clear.\n\nChannel 0: Perfect. Now the last thing I do wanna kind of mention, so you'll have kind of your insurances. We're not making any changes. That's pretty straightforward for you. The last thing I do wanna kind of mention is just the remuneration, and that is page\n\nChannel 1: But my\n\nChannel 0: 28.\n\nChannel 1: my question, do you think do you think that I should do some changes to my insurance cover or no?\n\nChannel 0: It's ultimately up to you. I know that when we spoke last time, we were looking at potentially increasing it. But you mentioned that, obviously, by increasing the cover, it will cost more. So it's it's up to you at the end of day and what you want to have happen if something were to happen to you and your\n\nChannel 1: Mhmm.\n\nChannel 0: family situation. So if you feel like you want more cover, we can go down and explore that for you. How that process would work is that I would book you in for kind of an in-depth pre assessment with the team. It's kind of a questionnaire to go into health and lifestyle and occupation in a bit more detail. What\n\nChannel 1: Mhmm.\n\nChannel 0: that gives me is more than an in-depth situation on that. I will send it off to all the insurers out there who would then give me an assessment on what covers are available and what cost it would be based\n\nChannel 1: Mhmm.\n\nChannel 0: on your specific situation. Is that something you want to go down a bit further? Or or whenever you are ready, you can just send me an email, give me a call, and we can\n\nChannel 1: Okay.\n\nChannel 0: always have a look at it whenever. It doesn't have to be under review. It can be whenever you want to do it. Yep. So have a little think about it.\n\nAnd if you feel like you want to go down it, we definitely can. Out of the service, you just give me an email, call the office, and say, hey. I wanna talk a bit more about my insurances, and we can definitely have a look at that for you.\n\nChannel 1: Amazing. Thank you so much.\n\nChannel 0: Perfect. No. That's okay. Now the last thing I wanted to say about was obviously the remuneration. There is absolutely no changes in the fee.\n\nSo if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change. It is just that standard 1.65 ongoing advice fee that you pay for your ongoing service. No changes in regards to the fee and no additional charges for this advice or anything like that. It's all part of the ongoing advice fee. That make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Perfect. Yep. 100\n\nChannel 0: Yep.\n\nChannel 1: percent.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now I will let you go. Have a read through the document. Any questions, let me know. If you have a read through it and you are happy and you would like to go ahead with a change, from here is that you would then click sign on the document. It will prompt you to put your name and date.\n\nThere is also a section where it asks you if you would like to make variations. If you wanna change anything, you can type it in here. If there's no changes, it won't let you go further, but you can just put NA or just the full stop. You just have to put something. And then once it's finished, it will come back to me, and then I will let the team know to go ahead with the change.\n\nSo that's basically kind of from here. Do you have any other questions for me, Abai, before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: What's the difference between between Discover menu, Core menu, and Choice menu?\n\nChannel 0: Yeah. No. That's a very good question. And it's in regards to a lot of it is a balance, but also investment choices. So Discovery is your kind of your more bare minimum product.\n\nIt's your cheapest option, but very limited in terms of investment choices. So, typically,\n\nChannel 1: Mhmm.\n\nChannel 0: if it's suitable, this is this is a option we would choose within hub twenty four if a client has very little super. Because it's cheaper, but you don't have the same flexibility on investment. So we can't do the SMA and even your old portfolio in that option because it doesn't have as many choice. So\n\nChannel 1: Mhmm.\n\nChannel 0: this typically is more someone typically kind of starting out with a lower balance because it's cheaper until they've kind of built their balance up a little bit more and can have a little bit higher fees to increase their returns and have more choices. Now your choice is what you were on before. So that is the the\n\nChannel 1: Mhmm.\n\nChannel 0: highest\n\nChannel 1: So the cord is\n\nChannel 0: Yeah.\n\nChannel 1: what we're switching to. Okay. Alright.\n\nChannel 0: Correct. So so we're switching to true core because it's slightly cheaper. It's kind of in the middle. And the good thing with the estimate, it is available on that product, and it means that you have less fees. But still\n\nChannel 1: Okay.\n\nChannel 0: within\n\nChannel 1: Perfect.\n\nChannel 0: hub twenty four, and we would do all that change for you in the meantime.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Perfect.\n\nChannel 0: it's a very, very good question. If you think of anything else, sorry, always give me a call or send me an email. Have a read through the document. But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are. If you are happy, just sign the document, and we'll get notified and can take it from here.\n\nChannel 1: I already did.\n\nChannel 0: Oh, great. Perfect. I will let the team know. Now like I said as well, if you had ever at any point want to explore your insurances in a bit bit more detail, have a think about it. Just send me an email, let the team know.\n\nWe can always have\n\nChannel 1: Mhmm.\n\nChannel 0: a look at it. And the last thing I do wanna mention as well is that the ID that we have on file for you has expired. So did you recently receive a new driver's license or anything\n\nChannel 1: Yes. I have a driver\n\nChannel 0: a little\n\nChannel 1: license.\n\nChannel 0: while ago? Yeah. When you have a moment, would you be able to send a photo of the front and the back of that email? Sorry. The front and the back of your license through through our email.\n\nAnd the email address is servicing@oqfinancial.com.au. Or would\n\nChannel 1: Sure.\n\nChannel 0: you like me to get my team to send you an email, and then you can just respond to that?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Okay. Perfect. I'll I'll get them to do that. So when you have a moment,\n\nChannel 1: Okay.\n\nChannel 0: just take a quick photo of the front and the\n\nChannel 1: Sure.\n\nChannel 0: back. Just for compliance, we'll save that on file for you. So that was basically everything today, so I will let the team know to go ahead and make these change. Anything else or any questions you have at any point in time, don't hesitate to give me a call. Okay?\n\nChannel 1: Okay. But one last question. Before,\n\nChannel 0: Yeah.\n\nChannel 1: I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment. I just received an email saying we have changed this to this and this to that, and we invested this much and this much. Like, is it gonna be the same with this SMA Choice, or it's gonna be even faster?\n\nChannel 0: It will be faster. So with those ones, it's more because we can't actually we in the old system, we couldn't actually change our investments without you signing and approving anything. So what you got from Hub twenty four was most likely transaction reports automatically\n\nChannel 1: Mhmm.\n\nChannel 0: from them. So when your employer makes contributions into super, obviously, your money doesn't stay in cash. It gets reinvested into your investment. So that's usually what those reports would be to let you know that it's been invested into your\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio. So now the good thing with the SMA is that when we make changes to your investment, we can send you the the information so you can have a read over and see the changes. You don't need to action or do anything. It would just be for your awareness if\n\nChannel 1: Okay.\n\nChannel 0: you wanted\n\nChannel 1: But now\n\nChannel 0: to\n\nChannel 1: what\n\nChannel 0: know.\n\nChannel 1: I mean what\n\nChannel 0: Yay.\n\nChannel 1: I mean, I never approved I never approved anything even before. So does that mean that they did not do any changes to my account? Like,\n\nChannel 0: Yes.\n\nChannel 1: before,\n\nChannel 0: So\n\nChannel 1: during the last three years, I never received an email saying, we will change your investment to this. Please approve.\n\nChannel 0: Yes. Well, we couldn't have made they couldn't have done any changes to the investments\n\nChannel 1: Okay. Makes sense.\n\nChannel 0: because\n\nChannel 1: Thank\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: had\n\nChannel 1: I appreciate\n\nChannel 0: to have approved it. Yeah.\n\nChannel 1: it.\n\nChannel 0: Does\n\nChannel 1: All\n\nChannel 0: that make\n\nChannel 1: clear.\n\nChannel 0: sense? Yes. Perfect. Well, I will let you go. Like I said, anything you need, just let me know.\n\nChannel 1: Thank you. Have a great day. Appreciate\n\nChannel 0: Mhmm. No problem. You too.\n\nChannel 1: it.\n\nChannel 0: Bye.\n\nChannel 1: K. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Okay.","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.02890266478061676},{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.029079660773277283}],"sentiment":"neutral","sentiment_score":0.02899116277694702,"channel":1,"num_words":2,"start":0.24,"end":2.74},{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.20033923536539078},{"text":"Is this a buyer?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.0759534565731883}],"sentiment":"neutral","sentiment_score":0.11741538283725579,"channel":0,"num_words":6,"start":3.4399998,"end":4.98},{"sentences":[{"text":"Yes.","start":5.12,"end":5.6,"sentiment":"neutral","sentiment_score":0.07267306745052338},{"text":"May I speak to","start":5.6,"end":6.74,"sentiment":"neutral","sentiment_score":0.060741680674254894}],"sentiment":"neutral","sentiment_score":0.06312795802950859,"channel":1,"num_words":5,"start":5.12,"end":6.74},{"sentences":[{"text":"This is Veronica from Financial.","start":6.8799996,"end":8.66,"sentiment":"neutral","sentiment_score":0.10143457055091858},{"text":"How are you?","start":9.04,"end":9.86,"sentiment":"neutral","sentiment_score":0.08730008949836095}],"sentiment":"neutral","sentiment_score":0.09613414015620947,"channel":0,"num_words":8,"start":6.8799996,"end":9.86},{"sentences":[{"text":"you?","start":9.5199995,"end":10.0,"sentiment":"neutral","sentiment_score":0.06901133060455322},{"text":"Good.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.364219069480896},{"text":"How are you?","start":10.4,"end":11.219999,"sentiment":"neutral","sentiment_score":0.2157040387392044}],"sentiment":"neutral","sentiment_score":0.2160685032606125,"channel":1,"num_words":5,"start":9.5199995,"end":11.219999},{"sentences":[{"text":"Good.","start":11.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.5379591584205627},{"text":"Thanks.","start":11.92,"end":12.42,"sentiment":"positive","sentiment_score":0.5817227363586426},{"text":"I had you booked in for it's a pretty quick catch","start":13.375,"end":16.175,"sentiment":"neutral","sentiment_score":0.22049301456321369}],"sentiment":"neutral","sentiment_score":0.2727003888441966,"channel":0,"num_words":13,"start":11.5199995,"end":16.175},{"sentences":[{"text":"Mhmm.","start":15.975,"end":16.475,"sentiment":"neutral","sentiment_score":0.09252414107322691}],"sentiment":"neutral","sentiment_score":0.09252414107322691,"channel":1,"num_words":1,"start":15.975,"end":16.475},{"sentences":[{"text":"up, really, just to go through the reset I did after our last conversation about, like, the SMA and different options for you.","start":16.175,"end":24.654999,"sentiment":"neutral","sentiment_score":0.12380955497855725},{"text":"Is now still","start":24.654999,"end":25.295,"sentiment":"neutral","sentiment_score":0.09679670880238216}],"sentiment":"neutral","sentiment_score":0.12069268811207551,"channel":0,"num_words":26,"start":16.175,"end":25.295},{"sentences":[{"text":"Mhmm.","start":25.095001,"end":25.595001,"sentiment":"neutral","sentiment_score":0.10936209559440611}],"sentiment":"neutral","sentiment_score":0.10936209559440611,"channel":1,"num_words":1,"start":25.095001,"end":25.595001},{"sentences":[{"text":"a good time?","start":25.295,"end":26.035,"sentiment":"neutral","sentiment_score":0.18542052805423737}],"sentiment":"neutral","sentiment_score":0.18542052805423737,"channel":0,"num_words":3,"start":25.295,"end":26.035},{"sentences":[{"text":"Yeah.","start":26.295,"end":26.795,"sentiment":"neutral","sentiment_score":0.11745424568653108}],"sentiment":"neutral","sentiment_score":0.11745424568653108,"channel":1,"num_words":1,"start":26.295,"end":26.795},{"sentences":[{"text":"Yeah.","start":27.14,"end":27.54,"sentiment":"neutral","sentiment_score":0.20860934257507324},{"text":"Perfect.","start":27.54,"end":28.04,"sentiment":"positive","sentiment_score":0.37056148052215576},{"text":"Now just before I do go any further, I just need to let you know that our call is being recorded for quality and coaching purposes, if that's okay.","start":28.5,"end":36.440002,"sentiment":"neutral","sentiment_score":0.0561513246261868}],"sentiment":"neutral","sentiment_score":0.07121158829860148,"channel":0,"num_words":31,"start":27.14,"end":36.440002},{"sentences":[{"text":"Yeah.","start":36.69,"end":37.01,"sentiment":"neutral","sentiment_score":0.1056361049413681},{"text":"It's okay.","start":37.01,"end":37.75,"sentiment":"neutral","sentiment_score":0.14840780943632126}],"sentiment":"neutral","sentiment_score":0.1341505746046702,"channel":1,"num_words":3,"start":36.69,"end":37.75},{"sentences":[{"text":"Perfect.","start":38.18,"end":38.68,"sentiment":"neutral","sentiment_score":0.32488834857940674},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please?","start":38.82,"end":47.395,"sentiment":"neutral","sentiment_score":0.08618800391753514}],"sentiment":"neutral","sentiment_score":0.09388801503566004,"channel":0,"num_words":31,"start":38.18,"end":47.395},{"sentences":[{"text":"Okay.","start":47.945,"end":48.185,"sentiment":"neutral","sentiment_score":0.0341944620013237},{"text":"It's been '21.","start":48.185,"end":54.684998,"sentiment":"neutral","sentiment_score":0.03871835768222809}],"sentiment":"neutral","sentiment_score":0.03758738376200199,"channel":1,"num_words":4,"start":47.945,"end":54.684998},{"sentences":[{"text":"Perfect.","start":55.149998,"end":55.469997,"sentiment":"positive","sentiment_score":0.5158114433288574},{"text":"That's exactly what I have here.","start":55.469997,"end":56.75,"sentiment":"positive","sentiment_score":0.49275610347588855},{"text":"And how's your day been so far?","start":56.75,"end":58.19,"sentiment":"neutral","sentiment_score":0.11420784784214837},{"text":"Been busy?","start":58.19,"end":58.93,"sentiment":"neutral","sentiment_score":0.03386782482266426}],"sentiment":"neutral","sentiment_score":0.27122116554528475,"channel":0,"num_words":16,"start":55.149998,"end":58.93},{"sentences":[{"text":"Good.","start":58.440002,"end":58.68,"sentiment":"neutral","sentiment_score":0.18550387024879456},{"text":"And you?","start":58.68,"end":59.420002,"sentiment":"neutral","sentiment_score":0.09328515455126762}],"sentiment":"neutral","sentiment_score":0.12402472645044327,"channel":1,"num_words":3,"start":58.440002,"end":59.420002},{"sentences":[{"text":"Yeah.","start":59.789997,"end":60.269997,"sentiment":"neutral","sentiment_score":0.17904436588287354},{"text":"Good.","start":60.269997,"end":60.769997,"sentiment":"neutral","sentiment_score":0.2797314524650574}],"sentiment":"neutral","sentiment_score":0.22938790917396545,"channel":0,"num_words":2,"start":59.789997,"end":60.769997},{"sentences":[{"text":"I just came back from Brisbane.","start":60.600002,"end":61.98,"sentiment":"neutral","sentiment_score":0.1724907929698626}],"sentiment":"neutral","sentiment_score":0.1724907929698626,"channel":1,"num_words":6,"start":60.600002,"end":61.98},{"sentences":[{"text":"Good.","start":62.51,"end":62.67,"sentiment":"neutral","sentiment_score":0.2705206274986267},{"text":"Oh, lovely.","start":62.67,"end":63.329998,"sentiment":"neutral","sentiment_score":0.24191519618034363},{"text":"Did you?","start":63.469997,"end":64.21,"sentiment":"neutral","sentiment_score":0.10262835025787354}],"sentiment":"neutral","sentiment_score":0.19192154407501222,"channel":0,"num_words":5,"start":62.51,"end":64.21},{"sentences":[{"text":"Yeah.","start":64.520004,"end":65.020004,"sentiment":"neutral","sentiment_score":0.07087266445159912}],"sentiment":"neutral","sentiment_score":0.07087266445159912,"channel":1,"num_words":1,"start":64.520004,"end":65.020004},{"sentences":[{"text":"That you should have just come all the way to the Gulf 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good.","start":897.965,"end":900.385,"sentiment":"positive","sentiment_score":0.6054678522050381}],"sentiment":"positive","sentiment_score":0.6054678522050381,"channel":0,"num_words":8,"start":897.965,"end":900.385},{"sentences":[{"text":"Amazing.","start":900.695,"end":901.195,"sentiment":"positive","sentiment_score":0.7313845753669739}],"sentiment":"positive","sentiment_score":0.7313845753669739,"channel":1,"num_words":1,"start":900.695,"end":901.195},{"sentences":[{"text":"Aside from that, you can also see that the investment fees are cheaper.","start":901.165,"end":904.945,"sentiment":"positive","sentiment_score":0.4557211376153506},{"text":"So, again, $304 cheaper than your current investment.","start":905.005,"end":909.985,"sentiment":"positive","sentiment_score":0.36804479360580444},{"text":"So, overall, we're factoring in everything.","start":910.64996,"end":913.94995,"sentiment":"neutral","sentiment_score":0.2978326082229614},{"text":"It's a difference of about $561 per year.","start":914.08997,"end":918.26996,"sentiment":"neutral","sentiment_score":0.2724754698574543},{"text":"So it does make quite a big difference.","start":918.41,"end":920.43,"sentiment":"positive","sentiment_score":0.4114331007003784}],"sentiment":"positive","sentiment_score":0.3750464500382889,"channel":0,"num_words":43,"start":901.165,"end":920.43},{"sentences":[{"text":"Amazing.","start":921.665,"end":922.165,"sentiment":"positive","sentiment_score":0.5931346416473389}],"sentiment":"positive","sentiment_score":0.5931346416473389,"channel":1,"num_words":1,"start":921.665,"end":922.165},{"sentences":[{"text":"Now you can see underneath it as well that with the return.","start":922.825,"end":926.105,"sentiment":"neutral","sentiment_score":0.2927846113840739},{"text":"So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same.","start":926.105,"end":938.61,"sentiment":"neutral","sentiment_score":0.2248567317213331},{"text":"So even though we are making it cheaper, the performance have also been better.","start":938.61,"end":943.35,"sentiment":"neutral","sentiment_score":0.2814851403236389},{"text":"So, overall, that's obviously putting in a lot better position, which you can actually see on the following page versus page 19.","start":943.73,"end":951.11,"sentiment":"neutral","sentiment_score":0.27609281038696115},{"text":"You can then see kind of projected forward five and ten years, and you can see even in five years, that it's a pretty big difference by just making those couple of changes.","start":952.54504,"end":961.525,"sentiment":"neutral","sentiment_score":0.22010009442314957}],"sentiment":"neutral","sentiment_score":0.24708222289537562,"channel":0,"num_words":116,"start":922.825,"end":961.525},{"sentences":[{"text":"So this is only for saving on the fees and and there, but it's not about the actual return of investment.","start":963.31,"end":969.95,"sentiment":"neutral","sentiment_score":0.10108195458139692},{"text":"Right?","start":969.95,"end":970.45,"sentiment":"neutral","sentiment_score":0.1588682234287262}],"sentiment":"neutral","sentiment_score":0.10370860316536644,"channel":1,"num_words":22,"start":963.31,"end":970.45},{"sentences":[{"text":"It's both.","start":970.8,"end":971.51996,"sentiment":"neutral","sentiment_score":0.14365115761756897},{"text":"So it's factoring in reducing fees and the better performer.","start":971.51996,"end":977.13995,"sentiment":"neutral","sentiment_score":0.18817138969898223}],"sentiment":"neutral","sentiment_score":0.1807513510187467,"channel":0,"num_words":12,"start":970.8,"end":977.13995},{"sentences":[{"text":"But when I joined HUB24 and the adviser did all the check for me, he put me on that scheme, and he said, if I stay the same without any increment, without anything, I will have almost a million dollars in my account by the age of 60.","start":978.245,"end":996.33,"sentiment":"neutral","sentiment_score":0.2574133550127347},{"text":"So looking at","start":996.87006,"end":997.59,"sentiment":"neutral","sentiment_score":-0.011482285956541697}],"sentiment":"neutral","sentiment_score":0.24159596436748318,"channel":1,"num_words":51,"start":978.245,"end":997.59},{"sentences":[{"text":"But","start":997.44,"end":997.94,"sentiment":"neutral","sentiment_score":-0.023094184696674347}],"sentiment":"neutral","sentiment_score":-0.023094184696674347,"channel":0,"num_words":1,"start":997.44,"end":997.94},{"sentences":[{"text":"this now, I'm saying in ten years, the the for I'm sorry.","start":997.59,"end":1002.79004,"sentiment":"neutral","sentiment_score":-0.06618768411378066},{"text":"The difference.","start":1002.79004,"end":1003.45,"sentiment":"neutral","sentiment_score":-0.1001138724386692},{"text":"I'm sorry.","start":1003.51,"end":1004.17004,"sentiment":"neutral","sentiment_score":-0.078013950958848},{"text":"All good.","start":1004.385,"end":1004.865,"sentiment":"positive","sentiment_score":0.36430875957012177}],"sentiment":"neutral","sentiment_score":-0.023438352056675486,"channel":1,"num_words":18,"start":997.59,"end":1004.865},{"sentences":[{"text":"yes.","start":1004.57495,"end":1005.07495,"sentiment":"neutral","sentiment_score":0.2869299054145813}],"sentiment":"neutral","sentiment_score":0.2869299054145813,"channel":0,"num_words":1,"start":1004.57495,"end":1005.07495},{"sentences":[{"text":"All good.","start":1004.865,"end":1005.605,"sentiment":"positive","sentiment_score":0.4504282921552658}],"sentiment":"positive","sentiment_score":0.4504282921552658,"channel":1,"num_words":2,"start":1004.865,"end":1005.605},{"sentences":[{"text":"Yeah.","start":1006.095,"end":1006.57495,"sentiment":"neutral","sentiment_score":0.096359521150589},{"text":"No.","start":1006.57495,"end":1006.815,"sentiment":"neutral","sentiment_score":0.02525048330426216},{"text":"Good, though.","start":1006.815,"end":1007.63495,"sentiment":"neutral","sentiment_score":0.15743841975927353},{"text":"Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments.","start":1008.735,"end":1017.07495,"sentiment":"neutral","sentiment_score":0.042086752492093274},{"text":"When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation.","start":1017.89,"end":1028.39,"sentiment":"neutral","sentiment_score":0.09520456623850447}],"sentiment":"neutral","sentiment_score":0.07180774789851378,"channel":0,"num_words":68,"start":1006.095,"end":1028.39},{"sentences":[{"text":"Now we've kinda minimized that as much as possible, and it does change kind of on a daily when you calculate it, but it will be around $505 as a one off when we make the changes on your investment.","start":1029.3301,"end":1042.485,"sentiment":"neutral","sentiment_score":0.013164635188877583},{"text":"And that is purely the tax that will come out.","start":1042.865,"end":1045.525,"sentiment":"neutral","sentiment_score":-0.012737540900707245},{"text":"Does that so that is page 18 again on that table at the top of where it says the balance difference.","start":1047.0,"end":1052.62,"sentiment":"neutral","sentiment_score":-0.005238176101729984},{"text":"That's the only reason why it's the $505 difference in the balance is the estimated","start":1052.8401,"end":1058.38,"sentiment":"neutral","sentiment_score":-0.041049220412969586}],"sentiment":"neutral","sentiment_score":-0.0037968605323586355,"channel":0,"num_words":86,"start":1029.3301,"end":1058.38},{"sentences":[{"text":"Okay.","start":1058.01,"end":1058.51,"sentiment":"neutral","sentiment_score":-0.02612248063087463}],"sentiment":"neutral","sentiment_score":-0.02612248063087463,"channel":1,"num_words":1,"start":1058.01,"end":1058.51},{"sentences":[{"text":"tax.","start":1058.52,"end":1059.02,"sentiment":"neutral","sentiment_score":-0.0019394736737012863},{"text":"Yep.","start":1059.16,"end":1059.66,"sentiment":"neutral","sentiment_score":0.03686156123876572}],"sentiment":"neutral","sentiment_score":0.017461043782532215,"channel":0,"num_words":2,"start":1058.52,"end":1059.66},{"sentences":[{"text":"Okay.","start":1059.735,"end":1060.235,"sentiment":"neutral","sentiment_score":0.0363551564514637}],"sentiment":"neutral","sentiment_score":0.0363551564514637,"channel":1,"num_words":1,"start":1059.735,"end":1060.235},{"sentences":[{"text":"Does that make sense?","start":1059.8,"end":1060.9401,"sentiment":"neutral","sentiment_score":0.05588500201702118}],"sentiment":"neutral","sentiment_score":0.05588500201702118,"channel":0,"num_words":4,"start":1059.8,"end":1060.9401},{"sentences":[{"text":"Yes.","start":1061.415,"end":1061.915,"sentiment":"neutral","sentiment_score":0.1142650917172432}],"sentiment":"neutral","sentiment_score":0.1142650917172432,"channel":1,"num_words":1,"start":1061.415,"end":1061.915},{"sentences":[{"text":"Yep.","start":1062.4349,"end":1062.835,"sentiment":"neutral","sentiment_score":0.18971654772758484},{"text":"Great.","start":1062.835,"end":1063.155,"sentiment":"positive","sentiment_score":0.5509918928146362},{"text":"Perfect.","start":1063.155,"end":1063.655,"sentiment":"positive","sentiment_score":0.486721932888031},{"text":"Now what I'll get you to do is just scroll up for me on page 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table.","start":1073.495,"end":1074.235,"sentiment":"neutral","sentiment_score":0.029872937127947807}],"sentiment":"neutral","sentiment_score":0.029839109629392624,"channel":1,"num_words":4,"start":1072.615,"end":1074.235},{"sentences":[{"text":"Yes.","start":1074.21,"end":1074.71,"sentiment":"neutral","sentiment_score":0.05431694537401199},{"text":"Yes.","start":1074.77,"end":1075.27,"sentiment":"neutral","sentiment_score":0.05464155599474907},{"text":"No.","start":1075.57,"end":1075.97,"sentiment":"neutral","sentiment_score":0.03493344038724899},{"text":"This is pretty straightforward.","start":1075.97,"end":1077.19,"sentiment":"neutral","sentiment_score":0.14136654883623123},{"text":"It just shows you your current investment.","start":1077.33,"end":1079.19,"sentiment":"neutral","sentiment_score":0.07546574569174222}],"sentiment":"neutral","sentiment_score":0.08840131121022361,"channel":0,"num_words":14,"start":1074.21,"end":1079.19},{"sentences":[{"text":"We are selling out of them and swapping you into the SMA.","start":1079.73,"end":1083.27,"sentiment":"neutral","sentiment_score":0.04478979172805945},{"text":"Now with the SMA, we're doing a fifty fifty into two different ones, and that's to give you the closest asset allocation and keeping you in a high growth portfolio and also having diversification.","start":1083.89,"end":1096.355,"sentiment":"neutral","sentiment_score":0.16831833847305355},{"text":"Now when you then go into your hub 24 when we've made the changes here, you can just see that it is the SMA, which allows us to make those changes quickly.","start":1097.615,"end":1105.97,"sentiment":"neutral","sentiment_score":0.1372259098570794},{"text":"But when you actually go into your hub 24 when we've made the change and you click on this, you can see all the underlying investment as well.","start":1106.11,"end":1113.23,"sentiment":"neutral","sentiment_score":0.10652514307626657},{"text":"So you still have that oversight.","start":1113.23,"end":1115.09,"sentiment":"neutral","sentiment_score":0.14041119938095412}],"sentiment":"neutral","sentiment_score":0.12925626184525235,"channel":0,"num_words":112,"start":1079.73,"end":1115.09},{"sentences":[{"text":"Mhmm.","start":1116.59,"end":1117.09,"sentiment":"neutral","sentiment_score":0.09421899914741516}],"sentiment":"neutral","sentiment_score":0.09421899914741516,"channel":1,"num_words":1,"start":1116.59,"end":1117.09},{"sentences":[{"text":"Yep.","start":1117.5249,"end":1118.0249,"sentiment":"neutral","sentiment_score":0.11936952918767928}],"sentiment":"neutral","sentiment_score":0.11936952918767928,"channel":0,"num_words":1,"start":1117.5249,"end":1118.0249},{"sentences":[{"text":"So 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very quickly.","start":1146.8451,"end":1153.185,"sentiment":"positive","sentiment_score":0.4768382430076599}],"sentiment":"neutral","sentiment_score":0.2436506623615984,"channel":0,"num_words":61,"start":1132.31,"end":1153.185},{"sentences":[{"text":"Mhmm.","start":1153.845,"end":1154.345,"sentiment":"neutral","sentiment_score":0.1526713669300079}],"sentiment":"neutral","sentiment_score":0.1526713669300079,"channel":1,"num_words":1,"start":1153.845,"end":1154.345},{"sentences":[{"text":"Yep.","start":1154.605,"end":1155.105,"sentiment":"neutral","sentiment_score":0.202662855386734},{"text":"Now on page 17, you can see how that reflects in, like, a pie chart on the table.","start":1156.4451,"end":1163.95,"sentiment":"neutral","sentiment_score":0.17137277002135912},{"text":"Can you see that?","start":1163.95,"end":1165.01,"sentiment":"neutral","sentiment_score":0.09540309756994247}],"sentiment":"neutral","sentiment_score":0.1595210915674334,"channel":0,"num_words":23,"start":1154.605,"end":1165.01},{"sentences":[{"text":"Mhmm.","start":1164.6,"end":1165.1,"sentiment":"neutral","sentiment_score":0.07556204497814178},{"text":"Yes.","start":1165.3201,"end":1165.8201,"sentiment":"neutral","sentiment_score":0.1553509533405304}],"sentiment":"neutral","sentiment_score":0.11545649915933609,"channel":1,"num_words":2,"start":1164.6,"end":1165.8201},{"sentences":[{"text":"Yep.","start":1165.63,"end":1166.13,"sentiment":"neutral","sentiment_score":0.2048806399106979},{"text":"So you'll have your risk profile, which is that high growth ninety ten, about 90 in your growth investment, and 10 in defensive, your existing portfolio, and then the proposed.","start":1166.27,"end":1178.515,"sentiment":"neutral","sentiment_score":0.17123581791917483},{"text":"So you can set up a post a 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writing in words for you as well so that you can have a read over it.","start":1191.9,"end":1198.7201,"sentiment":"neutral","sentiment_score":0.23421715765163817},{"text":"But before I kind of move on to the salary sacrifice, do you have any other questions so far, or is that pretty","start":1199.8201,"end":1205.9551,"sentiment":"neutral","sentiment_score":0.01522078543253567}],"sentiment":"neutral","sentiment_score":0.14443447116624425,"channel":0,"num_words":54,"start":1189.8201,"end":1205.9551},{"sentences":[{"text":"No.","start":1205.735,"end":1205.975,"sentiment":"neutral","sentiment_score":-0.14402806758880615}],"sentiment":"neutral","sentiment_score":-0.14402806758880615,"channel":1,"num_words":1,"start":1205.735,"end":1205.975},{"sentences":[{"text":"straightforward?","start":1205.9551,"end":1206.4551,"sentiment":"neutral","sentiment_score":-0.08690311759710312}],"sentiment":"neutral","sentiment_score":-0.08690311759710312,"channel":0,"num_words":1,"start":1205.9551,"end":1206.4551},{"sentences":[{"text":"No.","start":1205.975,"end":1206.215,"sentiment":"neutral","sentiment_score":-0.05891786515712738},{"text":"All good.","start":1206.215,"end":1206.855,"sentiment":"neutral","sentiment_score":0.07282428070902824},{"text":"All clear.","start":1206.855,"end":1207.595,"sentiment":"neutral","sentiment_score":0.08921271190047264}],"sentiment":"neutral","sentiment_score":0.05303122401237488,"channel":1,"num_words":5,"start":1205.975,"end":1207.595},{"sentences":[{"text":"Yep.","start":1207.395,"end":1207.895,"sentiment":"neutral","sentiment_score":0.17698132991790771},{"text":"Perfect.","start":1208.1951,"end":1208.6951,"sentiment":"positive","sentiment_score":0.33462122082710266},{"text":"Now if you can scroll through page 20 for me.","start":1209.0751,"end":1212.6951,"sentiment":"neutral","sentiment_score":0.10090800151228904}],"sentiment":"neutral","sentiment_score":0.1267235471556584,"channel":0,"num_words":12,"start":1207.395,"end":1212.6951},{"sentences":[{"text":"Yes.","start":1212.9349,"end":1213.4349,"sentiment":"neutral","sentiment_score":0.11718094348907472}],"sentiment":"neutral","sentiment_score":0.11718094348907472,"channel":1,"num_words":1,"start":1212.9349,"end":1213.4349},{"sentences":[{"text":"Yep.","start":1213.9551,"end":1214.4551,"sentiment":"neutral","sentiment_score":0.1227750927209854},{"text":"So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month.","start":1214.515,"end":1225.5399,"sentiment":"neutral","sentiment_score":0.16596726350048008},{"text":"So I've just included this here","start":1225.6799,"end":1227.2799,"sentiment":"neutral","sentiment_score":0.11584827179710071}],"sentiment":"neutral","sentiment_score":0.15757930932975397,"channel":0,"num_words":41,"start":1213.9551,"end":1227.2799},{"sentences":[{"text":"From","start":1227.15,"end":1227.55,"sentiment":"neutral","sentiment_score":0.060299988836050034}],"sentiment":"neutral","sentiment_score":0.060299988836050034,"channel":1,"num_words":1,"start":1227.15,"end":1227.55},{"sentences":[{"text":"for you","start":1227.2799,"end":1227.7599,"sentiment":"neutral","sentiment_score":0.06839531660079956}],"sentiment":"neutral","sentiment_score":0.06839531660079956,"channel":0,"num_words":2,"start":1227.2799,"end":1227.7599},{"sentences":[{"text":"from how","start":1227.55,"end":1227.87,"sentiment":"neutral","sentiment_score":0.08161406964063644}],"sentiment":"neutral","sentiment_score":0.08161406964063644,"channel":1,"num_words":2,"start":1227.55,"end":1227.87},{"sentences":[{"text":"to","start":1227.7599,"end":1227.9199,"sentiment":"neutral","sentiment_score":0.07191765308380127}],"sentiment":"neutral","sentiment_score":0.07191765308380127,"channel":0,"num_words":1,"start":1227.7599,"end":1227.9199},{"sentences":[{"text":"much","start":1227.87,"end":1228.11,"sentiment":"neutral","sentiment_score":0.05950655788183212}],"sentiment":"neutral","sentiment_score":0.05950655788183212,"channel":1,"num_words":1,"start":1227.87,"end":1228.11},{"sentences":[{"text":"show","start":1227.9199,"end":1228.24,"sentiment":"neutral","sentiment_score":0.0640789121389389}],"sentiment":"neutral","sentiment_score":0.0640789121389389,"channel":0,"num_words":1,"start":1227.9199,"end":1228.24},{"sentences":[{"text":"to","start":1228.11,"end":1228.27,"sentiment":"neutral","sentiment_score":0.08084722608327866}],"sentiment":"neutral","sentiment_score":0.08084722608327866,"channel":1,"num_words":1,"start":1228.11,"end":1228.27},{"sentences":[{"text":"you.","start":1228.24,"end":1228.74,"sentiment":"neutral","sentiment_score":0.06084510684013367}],"sentiment":"neutral","sentiment_score":0.06084510684013367,"channel":0,"num_words":1,"start":1228.24,"end":1228.74},{"sentences":[{"text":"how much?","start":1228.27,"end":1228.67,"sentiment":"neutral","sentiment_score":0.008203434757888317},{"text":"Sorry.","start":1228.67,"end":1229.17,"sentiment":"neutral","sentiment_score":-0.02514930814504623}],"sentiment":"neutral","sentiment_score":-0.0029141462097565323,"channel":1,"num_words":3,"start":1228.27,"end":1229.17},{"sentences":[{"text":"A $100 per month to 2","start":1230.08,"end":1233.235,"sentiment":"neutral","sentiment_score":-0.001466291646162669}],"sentiment":"neutral","sentiment_score":-0.001466291646162669,"channel":0,"num_words":6,"start":1230.08,"end":1233.235},{"sentences":[{"text":"Yes.","start":1233.025,"end":1233.525,"sentiment":"neutral","sentiment_score":0.02003016695380211}],"sentiment":"neutral","sentiment_score":0.02003016695380211,"channel":1,"num_words":1,"start":1233.025,"end":1233.525},{"sentences":[{"text":"50 per month.","start":1233.235,"end":1234.535,"sentiment":"neutral","sentiment_score":0.02342949900776148}],"sentiment":"neutral","sentiment_score":0.02342949900776148,"channel":0,"num_words":3,"start":1233.235,"end":1234.535},{"sentences":[{"text":"Yes.","start":1235.1849,"end":1235.6849,"sentiment":"neutral","sentiment_score":0.09143537282943726}],"sentiment":"neutral","sentiment_score":0.09143537282943726,"channel":1,"num_words":1,"start":1235.1849,"end":1235.6849},{"sentences":[{"text":"Yeah.","start":1236.195,"end":1236.695,"sentiment":"neutral","sentiment_score":0.11592838913202286},{"text":"So I've shown you what that looks like on a number side.","start":1236.915,"end":1240.0549,"sentiment":"neutral","sentiment_score":0.14519181785484156},{"text":"So on this table here on page 20, you can see how that reflects.","start":1240.195,"end":1245.3,"sentiment":"neutral","sentiment_score":0.1802592681986945},{"text":"So you can basically see your income is the same, but, obviously, after tax, by increasing your salary sacrifice, you can see the net income difference.","start":1246.18,"end":1255.64,"sentiment":"neutral","sentiment_score":0.22619230987933966}],"sentiment":"neutral","sentiment_score":0.19363886820820142,"channel":0,"num_words":53,"start":1236.195,"end":1255.64},{"sentences":[{"text":"Yes.","start":1256.64,"end":1257.14,"sentiment":"neutral","sentiment_score":0.05705628544092178}],"sentiment":"neutral","sentiment_score":0.05705628544092178,"channel":1,"num_words":1,"start":1256.64,"end":1257.14},{"sentences":[{"text":"So it's about 1,224 less in your pocket per year by 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on on the plus side, underneath it, you have how that reflects in contributions.","start":1267.335,"end":1273.58,"sentiment":"neutral","sentiment_score":0.13449330478906632},{"text":"So the total net contributions there, you will see current and proposed.","start":1274.36,"end":1278.86,"sentiment":"neutral","sentiment_score":0.1528263557702303},{"text":"So you will have an extra $1,800 into super.","start":1279.48,"end":1284.94,"sentiment":"neutral","sentiment_score":0.26654918160703445},{"text":"So on a net saving, by doing it so, basically, what you are saving in tax, by do by increasing that little bit, it's saving you about 576.","start":1285.465,"end":1295.965,"sentiment":"neutral","sentiment_score":0.22956687744174684},{"text":"And that's the difference between the net income and the total 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have a little think about it.","start":1486.425,"end":1487.705,"sentiment":"neutral","sentiment_score":0.20702385689531053}],"sentiment":"neutral","sentiment_score":0.1332619481029049,"channel":0,"num_words":31,"start":1479.41,"end":1487.705},{"sentences":[{"text":"And if you feel like you want to go down it, we definitely can.","start":1487.705,"end":1490.665,"sentiment":"neutral","sentiment_score":0.24704831945044653},{"text":"Out of the service, you just give me an email, call the office, and say, hey.","start":1490.665,"end":1494.265,"sentiment":"neutral","sentiment_score":0.17209095880389214},{"text":"I wanna talk a bit more about my insurances, and we can definitely have a look at that for you.","start":1494.265,"end":1499.13,"sentiment":"neutral","sentiment_score":0.21733826920390129}],"sentiment":"neutral","sentiment_score":0.21117794394493103,"channel":0,"num_words":50,"start":1487.705,"end":1499.13},{"sentences":[{"text":"Amazing.","start":1501.0599,"end":1501.46,"sentiment":"positive","sentiment_score":0.6253838539123535},{"text":"Thank you so much.","start":1501.46,"end":1502.5199,"sentiment":"positive","sentiment_score":0.6789137125015259}],"sentiment":"positive","sentiment_score":0.6682077407836914,"channel":1,"num_words":5,"start":1501.0599,"end":1502.5199},{"sentences":[{"text":"Perfect.","start":1502.33,"end":1502.83,"sentiment":"positive","sentiment_score":0.4856110215187073},{"text":"No.","start":1502.97,"end":1503.21,"sentiment":"neutral","sentiment_score":0.04262884706258774},{"text":"That's okay.","start":1503.21,"end":1504.01,"sentiment":"neutral","sentiment_score":0.02838735468685627},{"text":"Now the last thing I wanted to say about was obviously the remuneration.","start":1504.01,"end":1507.31,"sentiment":"neutral","sentiment_score":-0.004452479542053949},{"text":"There is absolutely no changes in the fee.","start":1508.01,"end":1511.145,"sentiment":"neutral","sentiment_score":0.31303689628839493}],"sentiment":"neutral","sentiment_score":0.12125710056861863,"channel":0,"num_words":25,"start":1502.33,"end":1511.145},{"sentences":[{"text":"So if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change.","start":1511.385,"end":1521.005,"sentiment":"positive","sentiment_score":0.4105634334332803},{"text":"It is just that standard 1.65 ongoing advice fee that you pay for your ongoing service.","start":1521.385,"end":1527.59,"sentiment":"neutral","sentiment_score":0.32129178289324045},{"text":"No changes in regards to the fee and no additional charges for this advice or anything like that.","start":1528.0499,"end":1533.41,"sentiment":"neutral","sentiment_score":0.17736047464940283},{"text":"It's all part of the ongoing advice fee.","start":1533.41,"end":1535.955,"sentiment":"neutral","sentiment_score":0.27138599194586277},{"text":"That 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I will let you go.","start":1541.075,"end":1543.235,"sentiment":"neutral","sentiment_score":0.2364822750290235},{"text":"Have a read through the document.","start":1543.235,"end":1544.7749,"sentiment":"neutral","sentiment_score":0.22000517944494882},{"text":"Any questions, let me know.","start":1545.1549,"end":1547.095,"sentiment":"neutral","sentiment_score":0.2088504046201706},{"text":"If you have a read through it and you are happy and you would like to go ahead with a change, from here is that you would then click sign on the document.","start":1547.315,"end":1556.0,"sentiment":"positive","sentiment_score":0.42132262072779914},{"text":"It will prompt you to put your name and date.","start":1556.4601,"end":1559.8401,"sentiment":"neutral","sentiment_score":0.18966881930828094}],"sentiment":"neutral","sentiment_score":0.3263918571174145,"channel":0,"num_words":60,"start":1541.075,"end":1559.8401},{"sentences":[{"text":"There is also a section where it asks you if you would like to make 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typically,","start":1615.27,"end":1615.9299,"sentiment":"neutral","sentiment_score":-0.11759641766548157}],"sentiment":"neutral","sentiment_score":-0.17915413422243937,"channel":0,"num_words":14,"start":1610.07,"end":1615.9299},{"sentences":[{"text":"Mhmm.","start":1615.73,"end":1616.23,"sentiment":"neutral","sentiment_score":-0.09887604415416718}],"sentiment":"neutral","sentiment_score":-0.09887604415416718,"channel":1,"num_words":1,"start":1615.73,"end":1616.23},{"sentences":[{"text":"if it's suitable, this is this is a option we would choose within hub twenty four if a client has very little super.","start":1616.23,"end":1624.5751,"sentiment":"neutral","sentiment_score":-0.11248389728691267},{"text":"Because it's cheaper, but you don't have the same flexibility on investment.","start":1624.9551,"end":1628.9551,"sentiment":"neutral","sentiment_score":-0.06324404509117205},{"text":"So we can't do the SMA and even your old portfolio in that option because it doesn't have as many 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that change for you in the 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good question.","start":1679.585,"end":1681.205,"sentiment":"positive","sentiment_score":0.44072530666987103},{"text":"If you think of anything else, sorry, always give me a call or send me an email.","start":1682.145,"end":1686.245,"sentiment":"neutral","sentiment_score":0.1378445991260164},{"text":"Have a read through the document.","start":1686.465,"end":1687.845,"sentiment":"neutral","sentiment_score":0.10871056094765663},{"text":"But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are.","start":1688.4299,"end":1692.5099,"sentiment":"neutral","sentiment_score":0.19029400423169135},{"text":"If you are happy, just sign the document, and we'll get notified and can take it from here.","start":1692.5099,"end":1697.4099,"sentiment":"neutral","sentiment_score":0.2722160584396786}],"sentiment":"neutral","sentiment_score":0.2141155601103804,"channel":0,"num_words":67,"start":1679.585,"end":1697.4099},{"sentences":[{"text":"I already 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any point in time, don't hesitate to give me a call.","start":1771.37,"end":1776.0901,"sentiment":"neutral","sentiment_score":0.18290123225826965},{"text":"Okay?","start":1776.0901,"end":1776.5901,"sentiment":"neutral","sentiment_score":0.0689026340842247}],"sentiment":"positive","sentiment_score":0.33465483375624117,"channel":0,"num_words":51,"start":1764.4249,"end":1776.5901},{"sentences":[{"text":"Okay.","start":1777.1699,"end":1777.49,"sentiment":"neutral","sentiment_score":0.029128724709153175},{"text":"But one last 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automatically","start":1811.135,"end":1816.435,"sentiment":"neutral","sentiment_score":0.04047188136194434}],"sentiment":"neutral","sentiment_score":0.016558733844431118,"channel":0,"num_words":45,"start":1799.6399,"end":1816.435},{"sentences":[{"text":"Mhmm.","start":1816.36,"end":1816.86,"sentiment":"neutral","sentiment_score":0.02044699899852276}],"sentiment":"neutral","sentiment_score":0.02044699899852276,"channel":1,"num_words":1,"start":1816.36,"end":1816.86},{"sentences":[{"text":"from them.","start":1816.495,"end":1817.055,"sentiment":"neutral","sentiment_score":0.014030268415808678},{"text":"So when your employer makes contributions into super, obviously, your money doesn't stay in cash.","start":1817.055,"end":1822.255,"sentiment":"neutral","sentiment_score":0.04410158172249794},{"text":"It gets reinvested into your investment.","start":1822.255,"end":1824.275,"sentiment":"neutral","sentiment_score":0.09656913951039314},{"text":"So that's usually what those reports would be to let you know that it's been invested into your","start":1824.9299,"end":1830.61,"sentiment":"neutral","sentiment_score":0.1173010195295016}],"sentiment":"neutral","sentiment_score":0.08244920612835302,"channel":0,"num_words":41,"start":1816.495,"end":1830.61},{"sentences":[{"text":"Mhmm.","start":1830.415,"end":1830.915,"sentiment":"neutral","sentiment_score":0.0829208642244339}],"sentiment":"neutral","sentiment_score":0.0829208642244339,"channel":1,"num_words":1,"start":1830.415,"end":1830.915},{"sentences":[{"text":"portfolio.","start":1830.61,"end":1831.11,"sentiment":"neutral","sentiment_score":0.06350097060203552},{"text":"So now the good thing with the SMA is that when we make changes to your investment, we can send you the the information so you can have a read over and see the changes.","start":1831.73,"end":1842.245,"sentiment":"positive","sentiment_score":0.3970118624823434},{"text":"You don't need to action or do 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the last three years, I never received an email saying, we will change your investment to this.","start":1857.885,"end":1863.53,"sentiment":"neutral","sentiment_score":-0.18356165372663075},{"text":"Please approve.","start":1863.53,"end":1864.27,"sentiment":"neutral","sentiment_score":-0.12063251808285713}],"sentiment":"neutral","sentiment_score":-0.17726874016225339,"channel":1,"num_words":20,"start":1857.885,"end":1864.27},{"sentences":[{"text":"Yes.","start":1865.295,"end":1865.795,"sentiment":"neutral","sentiment_score":0.014650505036115646},{"text":"Well, we couldn't have made they couldn't have done any changes to the investments","start":1865.935,"end":1869.875,"sentiment":"neutral","sentiment_score":-0.2278242270861353}],"sentiment":"neutral","sentiment_score":-0.2116592449446519,"channel":0,"num_words":15,"start":1865.295,"end":1869.875},{"sentences":[{"text":"Okay.","start":1869.6901,"end":1870.17,"sentiment":"neutral","sentiment_score":-0.04058307036757469},{"text":"Makes 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know.","start":1878.4299,"end":1880.85,"sentiment":"positive","sentiment_score":0.3689454019069672}],"sentiment":"positive","sentiment_score":0.3844113751853767,"channel":0,"num_words":19,"start":1873.615,"end":1880.85},{"sentences":[{"text":"Thank you.","start":1881.205,"end":1881.6849,"sentiment":"positive","sentiment_score":0.6834752559661865},{"text":"Have a great day.","start":1881.6849,"end":1882.485,"sentiment":"positive","sentiment_score":0.7238395065069199},{"text":"Appreciate","start":1882.485,"end":1882.985,"sentiment":"positive","sentiment_score":0.6196278929710388}],"sentiment":"positive","sentiment_score":0.6974194901330131,"channel":1,"num_words":7,"start":1881.205,"end":1882.985},{"sentences":[{"text":"Mhmm.","start":1882.5099,"end":1882.99,"sentiment":"positive","sentiment_score":0.3804991543292999},{"text":"No problem.","start":1882.99,"end":1883.7899,"sentiment":"positive","sentiment_score":0.3864317536354065},{"text":"You 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The recommendations are tailored to the customer's age and risk tolerance and are tailored to their risk tolerance and investment portfolio. The benefits of the SMA investment are discussed, including reducing fees and making changes quickly. The program is flexible and allows for quick changes, and the replacement account will be faster due to updating investments. The speaker provides instructions on signing documents and making changes to the account, and offers to provide more information if needed."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? Okay.","start_word":106,"end_word":136,"intents":[{"intent":"Confirm identity","confidence_score":0.17733149},{"intent":"Provide contact details","confidence_score":0.012211747},{"intent":"Confirm identity","confidence_score":0.5611588}]},{"text":"Well, yeah, we're just up in Southport, so kind of northern end. Oh, South But Boy.","start_word":273,"end_word":288,"intents":[{"intent":"Confirm location","confidence_score":0.09805227}]},{"text":"Now I have just sent you an email. Do you have access to your emails at the moment?","start_word":326,"end_word":343,"intents":[{"intent":"Send email","confidence_score":0.4927601}]},{"text":"Now if you can open that one for me, you will see before you click on the link where it says sign now, you will see a couple of attachments. I will let you have a read over them in your own time, but it's basically all just the supporting documents for the research.","start_word":369,"end_word":422,"intents":[{"intent":"Review and confirm information","confidence_score":0.000038347134}]},{"text":"So today is pretty straightforward. I've done all the research, and I have made a recommendation after what we spoke about. So today is just to kind of go through the recommendations. Now at the end of the day, it is completely up to you if you do wanna go ahead with the recommendations or not. Can you remind me of it?","start_word":588,"end_word":649,"intents":[{"intent":"Discuss and confirm recommendation","confidence_score":0.0029638393}]},{"text":"Now this is just kind of the areas we are focusing on today. So pretty straightforward. The main the main focus is your superannuation, making sure that we can maximize that growth as much as possible while you do have plenty of time until retirement.","start_word":991,"end_word":1035,"intents":[{"intent":"Maximize growth","confidence_score":0.029569883}]},{"text":"At the moment, it's quite affordable for you, and you're quite happy with it, so not making any changes to your insurances.","start_word":1050,"end_word":1071,"intents":[{"intent":"Avoid unnecessary changes","confidence_score":0.0064365235}]},{"text":"And I was looking at his cover, like, insurance and and his cover much more than my like, almost $500.","start_word":1120,"end_word":1139,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.04416519}]},{"text":"So when we kind of spoke about it last time, we kind of agreed that you are currently in a high growth portfolio. It's very suitable for where you are at at the moment in terms of a time frame, but also kind of your risk tolerance.","start_word":1440,"end_word":1486,"intents":[{"intent":"Assess portfolio benefits","confidence_score":0.023935622}]},{"text":"I will highlight a few of them, but I'll show you the table because it's a bit easier.","start_word":1773,"end_word":1790,"intents":[{"intent":"Highlight highlights","confidence_score":0.15636626}]},{"text":"I will highlight a few of them, but I'll show you the table because it's a bit easier. Also, there's a lot more in regards to the SMA. So on page 13, again, a bit more information on why it's really beneficial as well.","start_word":1773,"end_word":1816,"intents":[{"intent":"Highlight benefits of sma","confidence_score":0.018554842}]},{"text":"Obviously, we have merged with BlackRock in putting this as the mate together.","start_word":1816,"end_word":1828,"intents":[{"intent":"Discuss merger with blackrock","confidence_score":0.041294817},{"intent":"Discuss combining with blackrock","confidence_score":0.007237625}]},{"text":"Obviously, we have merged with BlackRock in putting this as the mate together. So he joined our investment committee as well as BlackRock, which is one of the biggest fund managers in the world.","start_word":1816,"end_word":1849,"intents":[{"intent":"Discuss investment committee merger","confidence_score":0.069133334},{"intent":"Discuss investment committee merger","confidence_score":0.23196396},{"intent":"Discuss investment partnership","confidence_score":0.0007626943}]},{"text":"So, obviously, combining all that expertise is really good.","start_word":1850,"end_word":1858,"intents":[{"intent":"Discuss combining expertise","confidence_score":0.03439267}]},{"text":"But the biggest thing with the SMA in what made it so it so competitive for you is that it allows us to make those underlying changes to your portfolio very quickly.","start_word":1923,"end_word":1954,"intents":[{"intent":"Discuss competitiveness of sma","confidence_score":0.03897764}]},{"text":"Now the good thing with the the SMA that I have recommended, it is on still within Hub 24, but it is on one of their cheaper product offering, which actually means that you are saving quite a bit in admin fee. So you can see the difference in admin fees is about $270. That is just the cost Mhmm. savings from the platform, which is really good. Amazing.","start_word":2536,"end_word":2604,"intents":[{"intent":"Save on fees and portfolio","confidence_score":0.0010475769}]},{"text":"So you can see the difference in admin fees is about $270. That is just the cost Mhmm. savings from the platform, which is really good. Amazing. Aside from that, you can also see that the investment fees are cheaper. So, again, $304 cheaper than your current investment. So, overall, we're factoring in everything. It's a difference of about $561 per year. So it does make quite a big difference. Amazing.","start_word":2578,"end_word":2648,"intents":[{"intent":"Show difference","confidence_score":0.0040281485}]},{"text":"Aside from that, you can also see that the investment fees are cheaper. So, again, $304 cheaper than your current investment.","start_word":2605,"end_word":2625,"intents":[{"intent":"Explain investment fees","confidence_score":0.0013613309}]},{"text":"So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same.","start_word":2661,"end_word":2695,"intents":[{"intent":"Estimate account growth","confidence_score":0.00015994144}]},{"text":"So even though we are making it cheaper, the performance have also been better.","start_word":2696,"end_word":2709,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0063408734}]},{"text":"But when I joined HUB24 and the adviser did all the check for me, he put me on that scheme, and he said, if I stay the same without any increment, without anything, I will have almost a million dollars in my account by the age of 60.","start_word":2799,"end_word":2846,"intents":[{"intent":"Clarify future success","confidence_score":0.0027175816}]},{"text":"Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments. When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation.","start_word":2876,"end_word":2939,"intents":[{"intent":"Point out tax consequences","confidence_score":0.00007235393}]},{"text":"So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month.","start_word":3458,"end_word":3491,"intents":[{"intent":"Adjust salary sacrifice","confidence_score":0.008131465}]},{"text":"Now the last thing I do wanna kind of mention, so you'll have kind of your insurances. We're not making any changes. That's pretty straightforward for you. The last thing I do wanna kind of mention is just the remuneration, and that is page But my 28. my question, do you think do you think that I should do some changes to my insurance cover or no?","start_word":3919,"end_word":3985,"intents":[{"intent":"Discuss insurance cover and remuneration","confidence_score":0.011420805},{"intent":"Discuss insurance coverage","confidence_score":0.083050944}]},{"text":"family situation.","start_word":4046,"end_word":4047,"intents":[{"intent":"Discuss different situations","confidence_score":0.000018542276}]},{"text":"How that process would work is that I would book you in for kind of an in-depth pre assessment with the team. It's kind of a questionnaire to go into health and lifestyle and occupation in a bit more detail. What Mhmm.","start_word":4066,"end_word":4107,"intents":[{"intent":"Book pre assessment","confidence_score":0.54402167}]},{"text":"There is absolutely no changes in the fee. So if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change.","start_word":4290,"end_word":4331,"intents":[{"intent":"Change switch","confidence_score":0.025042173}]},{"text":"this typically is more someone typically kind of starting out with a lower balance because it's cheaper until they've kind of built their balance up a little bit more and can have a little bit higher fees to increase their returns and have more choices.","start_word":4670,"end_word":4714,"intents":[{"intent":"Explain balance change","confidence_score":0.0000214428}]},{"text":"it's a very, very good question. If you think of anything else, sorry, always give me a call or send me an email. Have a read through the document. But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are. If you are happy, just sign the document, and we'll get notified and can take it from here. I already did.","start_word":4804,"end_word":4873,"intents":[{"intent":"Offer assistance","confidence_score":0.021542626},{"intent":"Ask question","confidence_score":0.07308113},{"intent":"Request document","confidence_score":0.045840215}]},{"text":"I have a driver a little license. while ago? Yeah.","start_word":4965,"end_word":4974,"intents":[{"intent":"Ask about license","confidence_score":0.011089225}]},{"text":"When you have a moment, would you be able to send a photo of the front and the back of that email? Sorry.","start_word":4975,"end_word":4997,"intents":[{"intent":"Request photo","confidence_score":0.13251375}]},{"text":"you like me to get my team to send you an email, and then you can just respond to that? Yes, please.","start_word":5019,"end_word":5040,"intents":[{"intent":"Send email","confidence_score":0.137919}]},{"text":"Perfect. I'll I'll get them to do that. So when you have a moment, Okay. just take a quick photo of the front and the Sure. back. Just for compliance, we'll save that on file for you. So that was basically everything today, so I will let the team know to go ahead and make these change. Anything else or any questions you have at any point in time, don't hesitate to give me a call. Okay?","start_word":5043,"end_word":5119,"intents":[{"intent":"Express gratitude","confidence_score":0.06030579}]},{"text":"just take a quick photo of the front and the Sure. back.","start_word":5058,"end_word":5069,"intents":[{"intent":"Take photo","confidence_score":0.013543052}]},{"text":"So that was basically everything today, so I will let the team know to go ahead and make these change. Anything else or any questions you have at any point in time, don't hesitate to give me a call. Okay? Okay.","start_word":5080,"end_word":5120,"intents":[{"intent":"Make changes","confidence_score":0.086175196}]},{"text":"Anything else or any questions you have at any point in time, don't hesitate to give me a call. Okay? Okay.","start_word":5100,"end_word":5120,"intents":[{"intent":"Ask question","confidence_score":0.12716973},{"intent":"Ask question","confidence_score":0.007214352}]},{"text":"I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment. I just received an email saying we have changed this to this and this to that, and we invested this much and this much. Like, is it gonna be the same with this SMA Choice, or it's gonna be even faster?","start_word":5127,"end_word":5190,"intents":[{"intent":"Improve investment and portfolio","confidence_score":0.0000017929727}]},{"text":"I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment. I just received an email saying we have changed this to this and this to that, and we invested this much and this much. Like, is it gonna be the same with this SMA Choice, or it's gonna be even faster? It will be faster.","start_word":5127,"end_word":5194,"intents":[{"intent":"Assist with investment changes","confidence_score":0.0022612137},{"intent":"Explain situation","confidence_score":0.00021555946}]}]},"sentiments":{"segments":[{"text":"Okay. Hello? Good afternoon. Is this a buyer? Yes. May I speak to This is Veronica from Financial. How are you? you?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.08306007087230682},{"text":"Good.","start_word":22,"end_word":22,"sentiment":"positive","sentiment_score":0.364219069480896},{"text":"How are you?","start_word":23,"end_word":25,"sentiment":"neutral","sentiment_score":0.2234701961278915},{"text":"Good. Thanks.","start_word":26,"end_word":27,"sentiment":"positive","sentiment_score":0.5598409175872803},{"text":"I had you booked in for it's a pretty quick catch Mhmm. up, really, just to go through the reset I did after our last conversation about, like, the SMA and different options for you. Is now still Mhmm. a good time? Yeah. Yeah.","start_word":28,"end_word":71,"sentiment":"neutral","sentiment_score":0.1457146555185318},{"text":"Perfect.","start_word":72,"end_word":72,"sentiment":"positive","sentiment_score":0.37056148052215576},{"text":"Now just before I do go any further, I just need to let you know that our call is being recorded for quality and coaching purposes, if that's okay. Yeah. It's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? Okay. It's been '21.","start_word":73,"end_word":139,"sentiment":"neutral","sentiment_score":0.07748889178037643},{"text":"Perfect. That's exactly what I have here.","start_word":140,"end_word":146,"sentiment":"positive","sentiment_score":0.4936253130435944},{"text":"And how's your day been so far? Been busy? Good. And you? Yeah. Good. I just came back from Brisbane. Good. Oh, lovely. Did you? Yeah. That you should have just come all the way to the Gulf Coast, and we could have done it then. I was I was in the Gold Coast, actually. I was between How are you? Gold Coast and and Brisbane, and my brother lives there. Oh. Oh, wow. Whereabouts on the Gold Coast, or whereabouts were you? No. He lives in Brisbane, but we were going to the Gold Coast to we went to Aqua Park for the kids. Yeah. Oh, And lovely. we went to and had the shawarma place from Zorona.","start_word":147,"end_word":265,"sentiment":"neutral","sentiment_score":0.08845284581184387},{"text":"It was really yummy.","start_word":266,"end_word":269,"sentiment":"positive","sentiment_score":0.4420955181121826},{"text":"Yeah. Oh, lovely. Well, yeah, we're just up in Southport, so kind of northern end. Oh, South But Boy. yeah. Okay. Oh, Yeah. that's Just nice. just in Southport. Kind of just by the Broadwater, which which is really nice.","start_word":270,"end_word":309,"sentiment":"neutral","sentiment_score":0.1414460688829422},{"text":"Beautiful Amazing.","start_word":310,"end_word":311,"sentiment":"positive","sentiment_score":0.6133180856704712},{"text":"day today. I will try not to take up too much of your time. Now I have just sent you an email. Do you have access to your emails at the moment? Yes. I do. Yep.","start_word":312,"end_word":347,"sentiment":"neutral","sentiment_score":0.07867745889557733},{"text":"Perfect.","start_word":348,"end_word":348,"sentiment":"positive","sentiment_score":0.6471683979034424},{"text":"Just let me know when Just that one comes through. Okay? a second. Yep. Email. Mhmm. M Yes. Yep.","start_word":349,"end_word":367,"sentiment":"neutral","sentiment_score":0.11393215507268906},{"text":"Perfect.","start_word":368,"end_word":368,"sentiment":"positive","sentiment_score":0.553744912147522},{"text":"Now if you can open that one for me, you will see before you click on the link where it says sign now, you will see a couple of attachments. I will let you have a read over them in your own time, but it's basically all just the supporting documents for the research. It's in there for you. There's a bit more information in regards to the SMA and other things as well, But don't need Mhmm. to find those. It's just there for your reference. But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything so you can look at everything and, obviously, make sure you're happy with it before signing anything. And let me know if you can see the cover page where it says statement of advice, and then you see a nice little photo of the Gold Coast. Okay. Yes. I see Yes. Yes.","start_word":369,"end_word":537,"sentiment":"neutral","sentiment_score":0.1831171363592148},{"text":"Perfect.","start_word":538,"end_word":538,"sentiment":"positive","sentiment_score":0.46547815203666687},{"text":"Now do you remember our conversation a few it. weeks ago in regards to your superannuation and wanting to do some research on the the SMA and see if that was going to be a better option for you moving forward. Do you remember that? Yes. Yep. Okay.","start_word":539,"end_word":586,"sentiment":"neutral","sentiment_score":0.13074515759944916},{"text":"Perfect. So today is pretty straightforward.","start_word":587,"end_word":592,"sentiment":"positive","sentiment_score":0.46153271198272705},{"text":"I've done all the research, and I have made a recommendation after what we spoke about. So today is just to kind of go through the recommendations. Now at the end of the day, it is completely up to you if you do wanna go ahead with the recommendations or not. Can you remind me of it? So a statement of advice. Right? Mhmm. And what what is it like like that you can you can do the you can do the thing like, you can do the investment without coming back to me. What was it exactly? Yes. So I will go through this in detail with you here, explaining Sure. exactly what it is. I will also get you to, you know, have a reader because it is quite long. It's thirty three pages. Everything you need to know is in there. I'll go through kind of the main points for you, and then you can kind of read through a lot of it yourself as well. But I'll go through Okay. kind of the main sections today. But before I kind of do it go any further as well, just on the cover page, you will see that this is tailored specifically for you, and you will have my authorized representative number listed there. And I'm obviously licensed under OCU Financial. Underneath that, you'll see all our contact details, where we're located, and stuff like that.","start_word":593,"end_word":831,"sentiment":"neutral","sentiment_score":0.11902081545551452},{"text":"Awesome.","start_word":832,"end_word":832,"sentiment":"positive","sentiment_score":0.5747407674789429},{"text":"Now, yeah, on the second page for me, you will see the best interest duty. Can you see that? Yes. Yep.","start_word":833,"end_word":853,"sentiment":"neutral","sentiment_score":0.17182162404060364},{"text":"Perfect.","start_word":854,"end_word":854,"sentiment":"positive","sentiment_score":0.43141061067581177},{"text":"Now, basically, what this is is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if Mhmm.","start_word":855,"end_word":899,"sentiment":"neutral","sentiment_score":0.06845788657665253},{"text":"I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me.","start_word":900,"end_word":934,"sentiment":"negative","sentiment_score":-0.43534958362579346},{"text":"So there's a lot in place to, obviously, protect you and making sure that what we are recommending is just for your benefit. Okay. Perfect. Yes. Perfect. Now as you scroll through table of content, pretty self explanatory, you will then have scope of advice. Can you see that? Color of our device. Yeah. Yeah.","start_word":935,"end_word":989,"sentiment":"neutral","sentiment_score":0.06496299803256989},{"text":"Perfect.","start_word":990,"end_word":990,"sentiment":"positive","sentiment_score":0.35581183433532715},{"text":"Now this is just kind of the areas we are focusing on today. So pretty straightforward.","start_word":991,"end_word":1006,"sentiment":"neutral","sentiment_score":0.2475975751876831},{"text":"The main the main focus is your superannuation, making sure that we can maximize that growth as much as possible while you do have plenty of time until retirement.","start_word":1007,"end_word":1035,"sentiment":"positive","sentiment_score":0.3701590299606323},{"text":"Also, with your insurances, we kind of spoke about that in length last time.","start_word":1036,"end_word":1049,"sentiment":"neutral","sentiment_score":0.24640928208827972},{"text":"At the moment, it's quite affordable for you, and you're quite happy with it, so not making any changes to your insurances.","start_word":1050,"end_word":1071,"sentiment":"positive","sentiment_score":0.43922173976898193},{"text":"And then on the next page is just areas where Just not a making question, it. Yeah. please, Veronica. I was talking to my brother. He's much younger than me. He's with Australia with what you call it? Australia He's Super? with the Subaru Australia Australian Subaru. Yep. And I was looking at his cover, like, insurance and and his cover much more than my like, almost $500. Mhmm. Mhmm. It's usually And he's when pay you and are he's been only $17. Like, I don't per understand month why it's this the month or here. per year per month. So you only pay let me see here. Sorry. How it's based? Because this is group cover. So it's based and tailored on your age. So the older you get, the less cover you have. So if he is younger than you, then that makes sense because the older you get, the less cover it you have and also the more expensive the cover becomes.","start_word":1072,"end_word":1236,"sentiment":"neutral","sentiment_score":-0.06149940565228462},{"text":"Because in insurance line, they are the older you get, there's a higher risk of something happening.","start_word":1237,"end_word":1253,"sentiment":"negative","sentiment_score":-0.33793526887893677},{"text":"So it does become more expensive the older you get, and you're also covered for less. Now you pay on a monthly basis, you pay $13.26. Mhmm. Mhmm. Mhmm. And it's actually outlined on page eight. If you wanna scroll down to page eight, the other two pages that you scroll through, there's just some just some information about you, just your assets and liabilities. But on page eight, you see your current due preannuation. That will have your insurances listed underneath that as well. Mhmm. Mhmm. Yep. So the premium there, 159, that's per year. So per Okay. month, that's, yeah, $13.26, which is which is quite cheap. And you do have your life and TCD at that 215,040. Every year, they will get less. So if there's ever a situation you do wanna revisit it later, we can always have a look at it.","start_word":1254,"end_word":1399,"sentiment":"neutral","sentiment_score":0.02760319411754608},{"text":"If you want more cover, it will be more expensive.","start_word":1400,"end_word":1409,"sentiment":"negative","sentiment_score":-0.4371492266654968},{"text":"Okay. Yep. Otherwise, you have, obviously, your superannuation with hub twenty four. On the next page, you will see your risk profile. Can you see that okay? Mhmm. Yep.","start_word":1410,"end_word":1438,"sentiment":"neutral","sentiment_score":0.03912448137998581},{"text":"Perfect.","start_word":1439,"end_word":1439,"sentiment":"positive","sentiment_score":0.5374594330787659},{"text":"So when we kind of spoke about it last time, we kind of agreed that you are currently in a high growth portfolio.","start_word":1440,"end_word":1462,"sentiment":"neutral","sentiment_score":0.2777833640575409},{"text":"It's very suitable for where you are at at the moment in terms of a time frame, but also kind of your risk tolerance. And the focus is to try to grow your super as much as possible before retirement. So it's definitely suitable for you.","start_word":1463,"end_word":1508,"sentiment":"positive","sentiment_score":0.42297032475471497},{"text":"We are not making any changes in your risk profile. Just basically focusing on those investments tryna improve the returns a little bit there for you. Does that all make sense so far? Mhmm. Yes. Yeah.","start_word":1509,"end_word":1544,"sentiment":"neutral","sentiment_score":0.10491997003555298},{"text":"Perfect.","start_word":1545,"end_word":1545,"sentiment":"positive","sentiment_score":0.4904290139675141},{"text":"Now what I might get you to do, actually so on page 11, you will see and this is where I'll get you to have a read over in your own time. You will see the actual recommendation outlined. And there's a lot of kind of wording in regards to factors I did consider, research, why I did decide to proceed with the SMA instead of other options because I did a lot of research on other portfolios as well because we have to make sure that the SMA is suitable for you, and it will put you in a better position so that it will make the fees cheaper and also also improve the return. So that was an important thing in making the consideration. I also researched other options. So outside hub 24 just to make sure the hub 24 is still the best competitive option for you because there's always new products and features that comes out.","start_word":1546,"end_word":1705,"sentiment":"neutral","sentiment_score":0.2242652177810669},{"text":"So it is good to, you know, make sure that that's still competitive, and it very much is. It's very competitive when it comes to, you know, the fees for similar options and gives you so many choices in terms of investment flexibility.","start_word":1706,"end_word":1748,"sentiment":"positive","sentiment_score":0.4515148103237152},{"text":"Now as you kind of read through this again on your own time, you will see advantages associated with the recommendation, the disadvantages. I will highlight a few of them, but I'll show you the table because it's a bit easier. Also, there's a lot more in regards to the SMA.","start_word":1749,"end_word":1799,"sentiment":"neutral","sentiment_score":0.12742556748436948},{"text":"So on page 13, again, a bit more information on why it's really beneficial as well.","start_word":1800,"end_word":1815,"sentiment":"positive","sentiment_score":0.4221324026584625},{"text":"Obviously, we have merged with BlackRock in putting this as the mate together. So he joined our investment committee as well as BlackRock, which is one of the biggest fund managers in the world.","start_word":1816,"end_word":1849,"sentiment":"neutral","sentiment_score":0.2796378433704376},{"text":"So, obviously, combining all that expertise is really good. We also get to utilize all of their research programs in assessing investments, all their, you know, the risks and volatilities and stuff like that. They have really good softwares to kind of project and forecast a lot of that, which is really, really beneficial, especially when there's a lot of, you know, fluctuations and stuff going on in the world at the moment. But the biggest thing with the SMA in what made it so it so competitive for you is that it allows us to make those underlying changes to your portfolio very quickly.","start_word":1850,"end_word":1954,"sentiment":"positive","sentiment_score":0.48486870527267456},{"text":"So, for example, in, obviously, today's market condition, like we said, if there is one investment that has been underperforming and we wanted to go ahead and make the change in your current style of how it's set up, I would obviously go and do all the research. We will then put together everything like we're going through today. You would have to sign and agree to the change before we can make it. No. Now that No. No. No. No. That's that's really Exactly. no. No. I like I like I'm I'm I'm I'm reading about the advantages and disadvantages.","start_word":1955,"end_word":2055,"sentiment":"neutral","sentiment_score":0.07902359217405319},{"text":"I'm really happy.","start_word":2056,"end_word":2058,"sentiment":"positive","sentiment_score":0.4757639169692993},{"text":"BlackRock Yeah. investment team is also part of Oakview. Like, you you part of it. Right? Or it's a third party? It's a it's a separate. So we we still do it with them. So it's a joint. So we It's have a joint, our third care. it's a joint. Yeah. So you can just Google in BlackRock, and you'll see that they are one of the biggest investment managers in the world.","start_word":2059,"end_word":2131,"sentiment":"neutral","sentiment_score":0.11690261470128412},{"text":"They are massive.","start_word":2132,"end_word":2134,"sentiment":"positive","sentiment_score":0.5504106283187866},{"text":"Mhmm. So we have partnered up with that. So we still are very much involved.","start_word":2135,"end_word":2149,"sentiment":"neutral","sentiment_score":0.3100951910018921},{"text":"So we are working alongside them to come up with the best portfolio together.","start_word":2150,"end_word":2163,"sentiment":"positive","sentiment_score":0.4378735423088074},{"text":"Will they have full access to my account? No. Only the so we only do the investment side of it. They don't have any authority to make any changes or anything like that. They Mhmm. only Mhmm. choose the investment alongside with us. So we go ahead and make those changes. So they don't have access to withdraw money or nothing like that at Okay. all. Yeah. But the biggest thing with the SMA concept is that it avoids us having to do these SOAs for minor changes. So if it's just we're swapping out one investment, let's say there is one that's, you know, there is something happening in the world and in in a sector that we wanna change out, we can make those changes really quickly in the back end to let you still Mhmm. know of the changes. And when you go into your Hub twenty four account, you can see the changes there. So you still have the full visibility when you log in, but it just means that we can make it really quickly, which is what you also want to do when there are obviously a bit of fluctuations. Because if you foresee that you wanna make a change, because the market can obviously fluctuate on a daily basis and there's things that can change very quickly, Mhmm. us having the option of making those changes quickly means that we can utilize that, which is really Okay. good. Otherwise, the way things are now is that when we spoke last, it's been a couple of weeks. And during that time, there's a lot that could happen. And if we wanted to make a change quickly, the market could have, let's say, dropped Absolutely. further. Yeah. No. I'm So I'm 100 I'm 100% I'm 100% yeah. in. I'm Oh, reading perfect. through it. Yeah.","start_word":2164,"end_word":2473,"sentiment":"neutral","sentiment_score":0.08402275676208158},{"text":"Yeah. That's good.","start_word":2474,"end_word":2476,"sentiment":"positive","sentiment_score":0.6112081408500671},{"text":"Now I No. wanna It show you just on on a on a dollar figure as well how it changes because that's usually looks pretty good as well, which is page 18, which you may kind of be up to. Okay. Yep. So this just puts everything kind of on a dollar figure for you to make it easy.","start_word":2477,"end_word":2535,"sentiment":"neutral","sentiment_score":0.1050092875957489},{"text":"Now the good thing with the the SMA that I have recommended, it is on still within Hub 24, but it is on one of their cheaper product offering, which actually means that you are saving quite a bit in admin fee.","start_word":2536,"end_word":2577,"sentiment":"positive","sentiment_score":0.3399442732334137},{"text":"So you can see the difference in admin fees is about $270. That is just the cost Mhmm.","start_word":2578,"end_word":2595,"sentiment":"neutral","sentiment_score":0.2624448239803314},{"text":"savings from the platform, which is really good. Amazing. Aside from that, you can also see that the investment fees are cheaper. So, again, $304 cheaper than your current investment.","start_word":2596,"end_word":2625,"sentiment":"positive","sentiment_score":0.4804653227329254},{"text":"So, overall, we're factoring in everything. It's a difference of about $561 per year.","start_word":2626,"end_word":2639,"sentiment":"neutral","sentiment_score":0.2840363681316376},{"text":"So it does make quite a big difference. Amazing.","start_word":2640,"end_word":2648,"sentiment":"positive","sentiment_score":0.4439806938171386},{"text":"Now you can see underneath it as well that with the return. So you can also see that your current high growth, with the volatility and everything versus the recommended portfolio, and you can see that even though we're not increasing your risk, keeping you the same. So even though we are making it cheaper, the performance have also been better. So, overall, that's obviously putting in a lot better position, which you can actually see on the following page versus page 19. You can then see kind of projected forward five and ten years, and you can see even in five years, that it's a pretty big difference by just making those couple of changes. So this is only for saving on the fees and and there, but it's not about the actual return of investment. Right? It's both. So it's factoring in reducing fees and the better performer. But when I joined HUB24 and the adviser did all the check for me, he put me on that scheme, and he said, if I stay the same without any increment, without anything, I will have almost a million dollars in my account by the age of 60. So looking at But this now, I'm saying in ten years, the the for I'm sorry. The difference. I'm sorry.","start_word":2649,"end_word":2866,"sentiment":"neutral","sentiment_score":0.20039615322143656},{"text":"All good.","start_word":2867,"end_word":2868,"sentiment":"positive","sentiment_score":0.36967331171035767},{"text":"yes.","start_word":2869,"end_word":2869,"sentiment":"neutral","sentiment_score":0.2869299054145813},{"text":"All good.","start_word":2870,"end_word":2871,"sentiment":"positive","sentiment_score":0.44401082396507263},{"text":"Yeah. No. Good, though. Now there is one thing I do wanna point out for you, which is that, obviously, because we are making changes to your investments, we are obviously selling and buying investments. When you sell investments that have gone up, which your super has done, which is fantastic, there is a little bit of a capital gains tax that will come out of your superannuation. Now we've kinda minimized that as much as possible, and it does change kind of on a daily when you calculate it, but it will be around $505 as a one off when we make the changes on your investment. And that is purely the tax that will come out. Does that so that is page 18 again on that table at the top of where it says the balance difference. That's the only reason why it's the $505 difference in the balance is the estimated Okay. tax. Yep. Okay. Does that make sense? Yes. Yep.","start_word":2872,"end_word":3035,"sentiment":"neutral","sentiment_score":0.03540214151144028},{"text":"Great. Perfect.","start_word":3036,"end_word":3037,"sentiment":"positive","sentiment_score":0.5188568830490112},{"text":"Now what I'll get you to do is just scroll up for me on page 16. 15. 16. Sorry. 16. Yes. The table. Yes. Yes. No. This is pretty straightforward. It just shows you your current investment. We are selling out of them and swapping you into the SMA. Now with the SMA, we're doing a fifty fifty into two different ones, and that's to give you the closest asset allocation and keeping you in a high growth portfolio and also having diversification. Now when you then go into your hub 24 when we've made the changes here, you can just see that it is the SMA, which allows us to make those changes quickly. But when you actually go into your hub 24 when we've made the change and you click on this, you can see all the underlying investment as well. So you still have that oversight. Mhmm. Yep. So my Now balance my balance my balance will will will remain the same, right, when we switch? Yes. The only the only difference is the tax that will come out, which is about 505 Okay. that will Makes come out. sense. Yes. But, otherwise, yes, it will just cross straight over just the tax that will come out, which can obviously, depending on what what the market price is, be a little bit little bit different, but it will be around 505. But even on the cost saving in the platform and investment fees alone, you will make that up very quickly. Mhmm. Yep. Now on page 17, you can see how that reflects in, like, a pie chart on the table. Can you see that? Mhmm. Yes. Yep. So you'll have your risk profile, which is that high growth ninety ten, about 90 in your growth investment, and 10 in defensive, your existing portfolio, and then the proposed. So you can set up a post a little bit closer aligned to your risk profile as well. Both very much within the range of a high growth, but a little bit closer. Okay. Yep.","start_word":3038,"end_word":3383,"sentiment":"neutral","sentiment_score":0.13536287021602508},{"text":"Perfect.","start_word":3384,"end_word":3384,"sentiment":"positive","sentiment_score":0.4409979581832886},{"text":"Now most of this kind of what I've gone through is in, like, writing in words for you as well so that you can have a read over it. But before I kind of move on to the salary sacrifice, do you have any other questions so far, or is that pretty No. straightforward? No. All good. All clear. Yep.","start_word":3385,"end_word":3444,"sentiment":"neutral","sentiment_score":0.1187344491481781},{"text":"Perfect.","start_word":3445,"end_word":3445,"sentiment":"positive","sentiment_score":0.33462122082710266},{"text":"Now if you can scroll through page 20 for me. Yes. Yep. So we did talk about you wanting to increase your salary sacrifice a little bit, and we're kind of wanting to increase that from about a $100 per month to about $2.50 per month. So I've just included this here From for you from how to much show to you. how much? Sorry. A $100 per month to 2 Yes. 50 per month. Yes. Yeah. So I've shown you what that looks like on a number side. So on this table here on page 20, you can see how that reflects. So you can basically see your income is the same, but, obviously, after tax, by increasing your salary sacrifice, you can see the net income difference. Yes. So it's about 1,224 less in your pocket per year by salary Exactly. sacrificing. Yeah. Exactly. Now on on the plus side, underneath it, you have how that reflects in contributions. So the total net contributions there, you will see current and proposed. So you will have an extra $1,800 into super. So on a net saving, by doing it so, basically, what you are saving in tax, by do by increasing that little bit, it's saving you about 576. And that's the difference between the net income and the total contribution. So it does make a it does make a bit pretty big difference from just a tax savings, plus you get, obviously, more into super to boost that and make it work a little bit harder for you. Mhmm. Does that make sense? Absolutely. Yeah. I'm Yep. gonna I'm gonna study I'm gonna study this. I'm expecting, hopefully, a salary increment. Yes. Yep.","start_word":3446,"end_word":3730,"sentiment":"neutral","sentiment_score":0.14627569757009806},{"text":"Perfect.","start_word":3731,"end_word":3731,"sentiment":"positive","sentiment_score":0.41334909200668335},{"text":"So once Do you know it's done, roughly? I will I will tell finance to increase their self contribution. Yeah. Yes.","start_word":3732,"end_word":3752,"sentiment":"neutral","sentiment_score":0.10950321704149246},{"text":"Perfect. And we can keep a lookout for it as well. And the good thing with salary sacrifice is that you can change it whenever.","start_word":3753,"end_word":3777,"sentiment":"positive","sentiment_score":0.460480660200119},{"text":"So if it's ever that your situation changed, you have more expenses, you can stop it, You can increase it. You you can change it based on it's not you can just talk to your employer about it and change it, which is very easy.","start_word":3778,"end_word":3822,"sentiment":"neutral","sentiment_score":0.30910465121269226},{"text":"Yes. So that's good.","start_word":3823,"end_word":3826,"sentiment":"positive","sentiment_score":0.45635271072387695},{"text":"The only thing to be mindful of is that, obviously, putting it into super, it is that it is locked in until you meet a condition of a late. So for example, turning 60 and stop working. So that's the only kind of thing to be mindful of is the more that you put in, the more you have for retirement and the more you save in tax, but it will kind of be locked in just so, you know, you don't need that short term. Mhmm. All Yep. clear.","start_word":3827,"end_word":3916,"sentiment":"neutral","sentiment_score":0.00792478397488594},{"text":"Perfect.","start_word":3917,"end_word":3917,"sentiment":"positive","sentiment_score":0.5157245397567749},{"text":"Now the last thing I do wanna kind of mention, so you'll have kind of your insurances. We're not making any changes. That's pretty straightforward for you. The last thing I do wanna kind of mention is just the remuneration, and that is page But my 28. my question, do you think do you think that I should do some changes to my insurance cover or no? It's ultimately up to you. I know that when we spoke last time, we were looking at potentially increasing it. But you mentioned that, obviously, by increasing the cover, it will cost more. So it's it's up to you at the end of day and what you want to have happen if something were to happen to you and your Mhmm. family situation. So if you feel like you want more cover, we can go down and explore that for you. How that process would work is that I would book you in for kind of an in-depth pre assessment with the team. It's kind of a questionnaire to go into health and lifestyle and occupation in a bit more detail. What Mhmm. that gives me is more than an in-depth situation on that. I will send it off to all the insurers out there who would then give me an assessment on what covers are available and what cost it would be based Mhmm. on your specific situation. Is that something you want to go down a bit further? Or or whenever you are ready, you can just send me an email, give me a call, and we can Okay. always have a look at it whenever. It doesn't have to be under review. It can be whenever you want to do it. Yep. So have a little think about it. And if you feel like you want to go down it, we definitely can. Out of the service, you just give me an email, call the office, and say, hey. I wanna talk a bit more about my insurances, and we can definitely have a look at that for you.","start_word":3918,"end_word":4266,"sentiment":"neutral","sentiment_score":0.07096967846155167},{"text":"Amazing. Thank you so much. Perfect.","start_word":4267,"end_word":4272,"sentiment":"positive","sentiment_score":0.620850682258606},{"text":"No. That's okay. Now the last thing I wanted to say about was obviously the remuneration. There is absolutely no changes in the fee.","start_word":4273,"end_word":4296,"sentiment":"neutral","sentiment_score":0.10905330100407204},{"text":"So if you wanna go ahead and make the change with switching to the SMA and do all this, there is no additional fees or charges or anything like that to do the change.","start_word":4297,"end_word":4330,"sentiment":"positive","sentiment_score":0.4081317186355591},{"text":"It is just that standard 1.65 ongoing advice fee that you pay for your ongoing service. No changes in regards to the fee and no additional charges for this advice or anything like that. It's all part of the ongoing advice fee. That make Okay. sense?","start_word":4331,"end_word":4376,"sentiment":"neutral","sentiment_score":0.24445036053657532},{"text":"Perfect. Yep.","start_word":4377,"end_word":4378,"sentiment":"positive","sentiment_score":0.4394516050815582},{"text":"100 Yep. percent.","start_word":4379,"end_word":4381,"sentiment":"neutral","sentiment_score":0.312615305185318},{"text":"Perfect.","start_word":4382,"end_word":4382,"sentiment":"positive","sentiment_score":0.5825729966163635},{"text":"Yep. Now I will let you go. Have a read through the document. Any questions, let me know.","start_word":4383,"end_word":4400,"sentiment":"neutral","sentiment_score":0.23112258315086365},{"text":"If you have a read through it and you are happy and you would like to go ahead with a change, from here is that you would then click sign on the document.","start_word":4401,"end_word":4433,"sentiment":"positive","sentiment_score":0.41758835315704346},{"text":"It will prompt you to put your name and date. There is also a section where it asks you if you would like to make variations. If you wanna change anything, you can type it in here. If there's no changes, it won't let you go further, but you can just put NA or just the full stop. You just have to put something. And then once it's finished, it will come back to me, and then I will let the team know to go ahead with the change. So that's basically kind of from here. Do you have any other questions for me, Abai, before I let you go and enjoy the rest of your afternoon? What's the difference between between Discover menu, Core menu, and Choice menu? Yeah. No. That's a very good question. And it's in regards to a lot of it is a balance, but also investment choices. So Discovery is your kind of your more bare minimum product. It's your cheapest option, but very limited in terms of investment choices. So, typically, Mhmm. if it's suitable, this is this is a option we would choose within hub twenty four if a client has very little super. Because it's cheaper, but you don't have the same flexibility on investment. So we can't do the SMA and even your old portfolio in that option because it doesn't have as many choice. So Mhmm. this typically is more someone typically kind of starting out with a lower balance because it's cheaper until they've kind of built their balance up a little bit more and can have a little bit higher fees to increase their returns and have more choices. Now your choice is what you were on before. So that is the the Mhmm. highest So the cord is Yeah. what we're switching to. Okay. Alright. Correct. So so we're switching to true core because it's slightly cheaper. It's kind of in the middle.","start_word":4434,"end_word":4759,"sentiment":"neutral","sentiment_score":0.04147673269699505},{"text":"And the good thing with the estimate, it is available on that product, and it means that you have less fees.","start_word":4760,"end_word":4780,"sentiment":"positive","sentiment_score":0.5020525455474854},{"text":"But still Okay. within Perfect. hub twenty four, and we would do all that change for you in the meantime. Okay.","start_word":4781,"end_word":4801,"sentiment":"neutral","sentiment_score":0.28947025537490845},{"text":"But Perfect. it's a very, very good question.","start_word":4802,"end_word":4809,"sentiment":"positive","sentiment_score":0.42128950357437134},{"text":"If you think of anything else, sorry, always give me a call or send me an email. Have a read through the document. But, yeah, otherwise from here would be let me know if you wanna make any changes, what your thoughts are. If you are happy, just sign the document, and we'll get notified and can take it from here. I already did.","start_word":4810,"end_word":4873,"sentiment":"neutral","sentiment_score":0.18717972934246063},{"text":"Oh, great. Perfect. I will let the team know.","start_word":4874,"end_word":4882,"sentiment":"positive","sentiment_score":0.5033630132675171},{"text":"Now like I said as well, if you had ever at any point want to explore your insurances in a bit bit more detail, have a think about it. Just send me an email, let the team know. We can always have Mhmm. a look at it. And the last thing I do wanna mention as well is that the ID that we have on file for you has expired. So did you recently receive a new driver's license or anything Yes. I have a driver a little license. while ago? Yeah. When you have a moment, would you be able to send a photo of the front and the back of that email? Sorry. The front and the back of your license through through our email. And the email address is servicing@oqfinancial.com.au. Or would Sure. you like me to get my team to send you an email, and then you can just respond to that? Yes, please. Yeah.","start_word":4883,"end_word":5041,"sentiment":"neutral","sentiment_score":0.08181154676390893},{"text":"Okay. Perfect. I'll I'll get them to do that.","start_word":5042,"end_word":5050,"sentiment":"positive","sentiment_score":0.5157806873321533},{"text":"So when you have a moment, Okay. just take a quick photo of the front and the Sure. back. Just for compliance, we'll save that on file for you.","start_word":5051,"end_word":5079,"sentiment":"neutral","sentiment_score":0.20948924124240875},{"text":"So that was basically everything today, so I will let the team know to go ahead and make these change.","start_word":5080,"end_word":5099,"sentiment":"positive","sentiment_score":0.5159563422203064},{"text":"Anything else or any questions you have at any point in time, don't hesitate to give me a call. Okay? Okay. But one last question. Before, Yeah. I never like, the team like, since I joined, they never called me and say we're gonna change this investment to this investment. I just received an email saying we have changed this to this and this to that, and we invested this much and this much. Like, is it gonna be the same with this SMA Choice, or it's gonna be even faster? It will be faster. So with those ones, it's more because we can't actually we in the old system, we couldn't actually change our investments without you signing and approving anything. So what you got from Hub twenty four was most likely transaction reports automatically Mhmm. from them. So when your employer makes contributions into super, obviously, your money doesn't stay in cash. It gets reinvested into your investment. So that's usually what those reports would be to let you know that it's been invested into your Mhmm. portfolio.","start_word":5100,"end_word":5279,"sentiment":"neutral","sentiment_score":0.020177867263555527},{"text":"So now the good thing with the SMA is that when we make changes to your investment, we can send you the the information so you can have a read over and see the changes.","start_word":5280,"end_word":5314,"sentiment":"positive","sentiment_score":0.39883458614349365},{"text":"You don't need to action or do anything. It would just be for your awareness if Okay. you wanted But now to what know. I mean what Yay. I mean, I never approved I never approved anything even before. So does that mean that they did not do any changes to my account? Like, Yes. before, So during the last three years, I never received an email saying, we will change your investment to this. Please approve. Yes. Well, we couldn't have made they couldn't have done any changes to the investments Okay. Makes sense. because Thank you you. had I appreciate to have approved it. Yeah. it. Does All that make clear. sense? Yes.","start_word":5315,"end_word":5429,"sentiment":"neutral","sentiment_score":-0.04517281104041183},{"text":"Perfect. Well, I will let you go. Like I said, anything you need, just let me know. Thank you. Have a great day. Appreciate Mhmm. No problem.","start_word":5430,"end_word":5456,"sentiment":"positive","sentiment_score":0.48455920815467834},{"text":"You too. it. Bye. K. Bye bye. Bye.","start_word":5457,"end_word":5464,"sentiment":"neutral","sentiment_score":0.17253664135932922}],"average":{"sentiment":"neutral","sentiment_score":0.13629599531963735}}}}