{"metadata":{"transaction_key":"deprecated","request_id":"019e614f-769d-7e22-9c58-7213eebd2021","sha256":"c93d02c27c058d37c805ebaa79e4017f50dd2c6bb355ec8b6b1d63cb35eab913","created":"2026-05-25T22:44:20.088Z","duration":697.75195,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2666,"output_tokens":81},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2843,"output_tokens":2849},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2843,"output_tokens":217}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning. Is this Jack? This is Veronica from ITU Financial. How are you? Good. Thanks. I had you booked in for a pretty quick catch up just to go through the research I did on your super investment. Is now still a good time for you? Yep. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. Now do you have access to your emails at the moment, or is it a bit tricky? Yep. Okay. Yes. Yep. Perfect. So I have made a recommendation on changing some of your investments around. Sorry. What you will can you see the statement of advice now in front of you? Yeah? Yeah. Perfect. Now I have put together this strategy for you that I best believe are going to achieve your goals and your objectives. But at the end of the day, it is just recommendation. It's completely up to you. I'll try to keep it quick for you if you're a bit busy, and it is pretty straightforward today. Now on the cover page, you will also see my details listed, so you will see my authorized representative number listed there, and I am licensed under OCU Financial. Now, essentially, on page two, you will see a little section talking about the best interest duty. Can you see that? Yep. Perfect. So, basically, what this means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Yep. Perfect. Now as you kind of scroll through, you will see a a couple of pages talking about scope of the size. Like I said, it is pretty straightforward today. We are just looking at your superannuation just to see if we wanted to make a couple of those investments, which is we're put in a little bit better position for your retirement, not making any changes into insurances or anything else. You remember that conversation? Yep. Perfect. Again, as you kind of scroll through, you will have a couple of pages to some personal information about you, your assets, liabilities as well, and it will then talk about your risk profile. That is page eight. Can you see that? Yep. Perfect. So we're not making any changes to your risk profile. We are keeping you in a high growth. It is suitable for you. You still have plenty of time until retirement to take advantage of that and trying to obviously grow your super as much as possible. So not making any changes at all in regards to your risk profile, just literally those investments. Now if you can actually scroll down to page 13 for me, I off yep. And can you see a table with a fee comparison? Yep. Perfect. So the couple of pages that you did scroll through, it basically outlines your recommendation in Word for you as well so that you can have a bit of a read over it. It outlines why the recommendation is in acting in your best interest, but it also kinda talks about advantages, disadvantages, and risks with the recommendation. But I usually find looking at it from from this table makes it a little bit easier. So I did also do a lot of research on Hub 24 for you just to make sure if that was still the best option or if we wanted to move you somewhere else because there's always new products and features that continue to come out. I just put you through some updated research on that. And at the moment, it's still very much is competitive. It is competitive when it comes to your your fees and investment choices. So I have recommended we stay in Hub 24 for you and let you only change a couple of your investments around. Now you can see on this table here that by making the recommendation, it will save you about $570 in fees, which is pretty good just by swapping some of those investments around for you. You can also see the five year rolling average. So that shows you your current portfolio using historical and a five year Now when you scroll down to page 14, the one after that Yep. It then kind of shows you I have projected that forward for five and ten years to show you kind of the the the difference of improving those returns a little bit for you and saving some of that fee. But I've also shown you the three year, five year, and ten year between the two portfolios so that you can see a little bit more long term there as well. Yeah. Perfect. Now I do wanna let you know as well that by making some of the investment changes, because we are selling some of your investments, there will be some capital gains tax by making the change. And if you scroll up to page 13 again for me on where it says the balance, and you can see the difference there at about 780. Now that is the estimated that is just the estimated tax by making the investment switch just so you are aware. Does that make sense? Yep. Perfect. I'll try to limit that as much as possible. If we wanted to do a full sell down to switch everything, it would have been about 2,508. So try to minimize that while still obviously improving the position for you. Exactly. And especially if you are saving 570 a year just in admin fees alone, very quickly, you will make up that anyway, and that's not even factoring in the difference in the returns there for you. Yep. Perfect. Now when it actually comes to the investments and how they are changing, which is outlined on page 15. Now this one can look a little bit messy, but it shows you all your investments. It shows you your current weight, so what you are currently allocated in each of them, what that basically shows from a dollar point of view, and then you have the buy and sell column. So everything in red is what we are selling. Everything in black, we're either keeping or adding to your portfolio. Okay? So you basically can see here that it's not massive changes, but you can see, for example, we are keeping your beta share cybersecurity in your portfolio. We are keeping your iShares Europe, keeping the iShares S and P 500, I'm pretty good for you, just increasing that allocation a little bit. And then you can see the ones we are selling. And underneath that, you will see the new investment. World, but this one actually excludes The US. You already have a closer to The US in the iShares S and P 500, and we also wanna make sure you don't have too much exposure in one section. Does that make sense? Yeah. Perfect. And then the the change for the Benelung, that's the one I mentioned last time that was underperforming a little bit. We we have completely sold down, and the the change for that one is at the bottom of that page, which is the beta shares Australia two 100. So, again, we wanna make sure we have some exposure to the Australian market if we swapping one out. But that one here basically invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths. And because it basically tracks the 200 largest companies, you won't have as much, you know, fluctuation than the Benelon there for you, which was kind of designed to actively buy and sell different investments in order to try and outperform the market. And that is also how we could save a little bit on fees there for you. Does that make sense? Yeah. Perfect. And you will then also see it kind of spills over to the next page, and it shows you we are still we're having 7% in gold for you as your defensive and then also a bit of fixed interest at 5% as well. So making sure we have some defensive to limit your fluctuations, but the main focus is your growth investments to kinda grow that for you. Yeah. Do do you have any questions in regards to the investment, so it's pretty straightforward? Yep. Perfect. In the appendix, which is the attachment I sent in the email, I have included all the investment links there for you. So if you do plan to go and have a bit of a read over it, that is all in there for you. Now on the next page, page 17, you can then see the asset allocation outline. So you can see your risk profile aiming for around that 90 to 10 split. So 90 growth, 10 defensive. You can see your existing portfolio and then the proposed. So you can see that they are a little bit more allocated to your growth in the proposed before pretty much aligning with your risk profile. Does that make sense, Jack? Yep. Perfect. Now the last thing before I do let you go, it is just the remuneration again. So that is page 20. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.1 from your super. So if it is that you are happy with the recommendation and you wanted to go ahead, there is no additional fees or charges at all. It is all part of that ongoing service for you. Yep. Perfect. Now, Jack, do you have any questions for me, or what are your thoughts on these investment changes? Yep. Perfect. Yep. Perfect. So, basically, from here is if you are happy to go ahead with it, I will just need you yes. Exactly. I will just need you to add a little scribble, and it should automatically add the date as well. And then when you press validate, it should then send it back to me. Yep. Perfect. I'll keep a little lookout for that. And when it comes through, I will get the team notified, and we can go ahead and make those changes. But if you do have any questions at any point, just give me a call and let me know. Okay? Not a problem at all. Thank you so much, Jack, and I will let you go, and enjoy the rest of your day. Beautiful. Thank you. 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morning. Is this Jack? This is Veronica from ITU Financial. How are you? Good.\n\nThanks. I had you booked in for a pretty quick catch up just to go through the research I did on your super investment. Is now still a good time for you? Yep. Alright.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Yep.\n\nBeautiful. Now do you have access to your emails at the moment, or is it a bit tricky? Yep. Okay. Yes.\n\nYep. Perfect. So I have made a recommendation on changing some of your investments around. Sorry. What you will can you see the statement of advice now in front of you?\n\nYeah? Yeah. Perfect. Now I have put together this strategy for you that I best believe are going to achieve your goals and your objectives. But at the end of the day, it is just recommendation.\n\nIt's completely up to you. I'll try to keep it quick for you if you're a bit busy, and it is pretty straightforward today. Now on the cover page, you will also see my details listed, so you will see my authorized representative number listed there, and I am licensed under OCU Financial. Now, essentially, on page two, you will see a little section talking about the best interest duty. Can you see that?\n\nYep. Perfect. So, basically, what this means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense?\n\nYep. Perfect. Now as you kind of scroll through, you will see a a couple of pages talking about scope of the size. Like I said, it is pretty straightforward today. We are just looking at your superannuation just to see if we wanted to make a couple of those investments, which is we're put in a little bit better position for your retirement, not making any changes into insurances or anything else.\n\nYou remember that conversation? Yep. Perfect. Again, as you kind of scroll through, you will have a couple of pages to some personal information about you, your assets, liabilities as well, and it will then talk about your risk profile. That is page eight.\n\nCan you see that? Yep. Perfect. So we're not making any changes to your risk profile. We are keeping you in a high growth.\n\nIt is suitable for you. You still have plenty of time until retirement to take advantage of that and trying to obviously grow your super as much as possible. So not making any changes at all in regards to your risk profile, just literally those investments. Now if you can actually scroll down to page 13 for me, I off yep. And can you see a table with a fee comparison?\n\nYep. Perfect. So the couple of pages that you did scroll through, it basically outlines your recommendation in Word for you as well so that you can have a bit of a read over it. It outlines why the recommendation is in acting in your best interest, but it also kinda talks about advantages, disadvantages, and risks with the recommendation. But I usually find looking at it from from this table makes it a little bit easier.\n\nSo I did also do a lot of research on Hub 24 for you just to make sure if that was still the best option or if we wanted to move you somewhere else because there's always new products and features that continue to come out. I just put you through some updated research on that. And at the moment, it's still very much is competitive. It is competitive when it comes to your your fees and investment choices. So I have recommended we stay in Hub 24 for you and let you only change a couple of your investments around.\n\nNow you can see on this table here that by making the recommendation, it will save you about $570 in fees, which is pretty good just by swapping some of those investments around for you. You can also see the five year rolling average. So that shows you your current portfolio using historical and a five year Now when you scroll down to page 14, the one after that Yep. It then kind of shows you I have projected that forward for five and ten years to show you kind of the the the difference of improving those returns a little bit for you and saving some of that fee. But I've also shown you the three year, five year, and ten year between the two portfolios so that you can see a little bit more long term there as well.\n\nYeah. Perfect. Now I do wanna let you know as well that by making some of the investment changes, because we are selling some of your investments, there will be some capital gains tax by making the change. And if you scroll up to page 13 again for me on where it says the balance, and you can see the difference there at about 780. Now that is the estimated that is just the estimated tax by making the investment switch just so you are aware.\n\nDoes that make sense? Yep. Perfect. I'll try to limit that as much as possible. If we wanted to do a full sell down to switch everything, it would have been about 2,508.\n\nSo try to minimize that while still obviously improving the position for you. Exactly. And especially if you are saving 570 a year just in admin fees alone, very quickly, you will make up that anyway, and that's not even factoring in the difference in the returns there for you. Yep. Perfect.\n\nNow when it actually comes to the investments and how they are changing, which is outlined on page 15. Now this one can look a little bit messy, but it shows you all your investments. It shows you your current weight, so what you are currently allocated in each of them, what that basically shows from a dollar point of view, and then you have the buy and sell column. So everything in red is what we are selling. Everything in black, we're either keeping or adding to your portfolio.\n\nOkay? So you basically can see here that it's not massive changes, but you can see, for example, we are keeping your beta share cybersecurity in your portfolio. We are keeping your iShares Europe, keeping the iShares S and P 500, I'm pretty good for you, just increasing that allocation a little bit. And then you can see the ones we are selling. And underneath that, you will see the new investment.\n\nWorld, but this one actually excludes The US. You already have a closer to The US in the iShares S and P 500, and we also wanna make sure you don't have too much exposure in one section. Does that make sense? Yeah. Perfect.\n\nAnd then the the change for the Benelung, that's the one I mentioned last time that was underperforming a little bit. We we have completely sold down, and the the change for that one is at the bottom of that page, which is the beta shares Australia two 100. So, again, we wanna make sure we have some exposure to the Australian market if we swapping one out. But that one here basically invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths.\n\nAnd because it basically tracks the 200 largest companies, you won't have as much, you know, fluctuation than the Benelon there for you, which was kind of designed to actively buy and sell different investments in order to try and outperform the market. And that is also how we could save a little bit on fees there for you. Does that make sense? Yeah. Perfect.\n\nAnd you will then also see it kind of spills over to the next page, and it shows you we are still we're having 7% in gold for you as your defensive and then also a bit of fixed interest at 5% as well. So making sure we have some defensive to limit your fluctuations, but the main focus is your growth investments to kinda grow that for you. Yeah. Do do you have any questions in regards to the investment, so it's pretty straightforward? Yep.\n\nPerfect. In the appendix, which is the attachment I sent in the email, I have included all the investment links there for you. So if you do plan to go and have a bit of a read over it, that is all in there for you. Now on the next page, page 17, you can then see the asset allocation outline. So you can see your risk profile aiming for around that 90 to 10 split.\n\nSo 90 growth, 10 defensive. You can see your existing portfolio and then the proposed. So you can see that they are a little bit more allocated to your growth in the proposed before pretty much aligning with your risk profile. Does that make sense, Jack? Yep.\n\nPerfect. Now the last thing before I do let you go, it is just the remuneration again. So that is page 20. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.1 from your super.\n\nSo if it is that you are happy with the recommendation and you wanted to go ahead, there is no additional fees or charges at all. It is all part of that ongoing service for you. Yep. Perfect. Now, Jack, do you have any questions for me, or what are your thoughts on these investment changes?\n\nYep. Perfect. Yep. Perfect. So, basically, from here is if you are happy to go ahead with it, I will just need you yes.\n\nExactly. I will just need you to add a little scribble, and it should automatically add the date as well. And then when you press validate, it should then send it back to me. Yep. Perfect.\n\nI'll keep a little lookout for that. And when it comes through, I will get the team notified, and we can go ahead and make those changes. But if you do have any questions at any point, just give me a call and let me know. Okay? Not a problem at all.\n\nThank you so much, Jack, and I will let you go, and enjoy the rest of your day. Beautiful. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.08,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.2707817927002907},{"text":"Is this Jack?","start":2.6399999,"end":3.46,"sentiment":"neutral","sentiment_score":0.12320719162623088},{"text":"This is Veronica from ITU Financial.","start":4.56,"end":6.64,"sentiment":"neutral","sentiment_score":0.15333478276928267},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.15799077351888022},{"text":"Good.","start":8.88,"end":9.36,"sentiment":"positive","sentiment_score":0.5473465919494629}],"sentiment":"neutral","sentiment_score":0.19016751796007156,"num_words":15,"start":2.08,"end":9.36},{"sentences":[{"text":"Thanks.","start":9.36,"end":9.86,"sentiment":"positive","sentiment_score":0.659816563129425},{"text":"I had you booked in for a pretty quick catch up just to go through the research I did on your super investment.","start":10.639999,"end":17.265,"sentiment":"positive","sentiment_score":0.40408899084381433},{"text":"Is now still a good time for you?","start":17.805,"end":19.744999,"sentiment":"positive","sentiment_score":0.381320022046566},{"text":"Yep.","start":21.164999,"end":21.485,"sentiment":"neutral","sentiment_score":0.18822835385799408},{"text":"Alright.","start":21.485,"end":21.985,"sentiment":"neutral","sentiment_score":0.2612372040748596}],"sentiment":"positive","sentiment_score":0.3957026202012511,"num_words":34,"start":9.36,"end":21.985},{"sentences":[{"text":"Perfect.","start":22.045,"end":22.545,"sentiment":"positive","sentiment_score":0.42067885398864746},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":22.765,"end":29.84,"sentiment":"neutral","sentiment_score":0.052140382343325124},{"text":"Perfect.","start":31.5,"end":32.0,"sentiment":"neutral","sentiment_score":0.27517959475517273},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please?","start":32.06,"end":40.0,"sentiment":"neutral","sentiment_score":0.07129098090032736},{"text":"Yep.","start":47.705,"end":48.105,"sentiment":"neutral","sentiment_score":0.1028638631105423}],"sentiment":"neutral","sentiment_score":0.07176649720678406,"num_words":62,"start":22.045,"end":48.105},{"sentences":[{"text":"Beautiful.","start":48.105,"end":48.605,"sentiment":"positive","sentiment_score":0.48207351565361023},{"text":"Now do you have access to your emails at the moment, or is it a bit tricky?","start":49.385002,"end":53.405,"sentiment":"neutral","sentiment_score":-0.0016344555598848006},{"text":"Yep.","start":54.84,"end":55.24,"sentiment":"neutral","sentiment_score":0.005062583368271589},{"text":"Okay.","start":55.24,"end":55.74,"sentiment":"neutral","sentiment_score":-0.012404274195432665},{"text":"Yes.","start":57.08,"end":57.58,"sentiment":"neutral","sentiment_score":-0.06297117471694946}],"sentiment":"neutral","sentiment_score":0.018284519313878957,"num_words":21,"start":48.105,"end":57.58},{"sentences":[{"text":"Yep.","start":65.24,"end":65.74,"sentiment":"neutral","sentiment_score":-0.18822340667247772},{"text":"Perfect.","start":65.880005,"end":66.380005,"sentiment":"neutral","sentiment_score":0.1876935362815857},{"text":"So I have made a recommendation on changing some of your investments around.","start":67.494995,"end":71.835,"sentiment":"neutral","sentiment_score":0.08038352028681682},{"text":"Sorry.","start":71.975,"end":72.475,"sentiment":"neutral","sentiment_score":-0.032647423446178436},{"text":"What you will can you see the statement of advice now in front of you?","start":72.695,"end":76.314995,"sentiment":"neutral","sentiment_score":0.008971945196390153}],"sentiment":"neutral","sentiment_score":0.03698024670443227,"num_words":31,"start":65.24,"end":76.314995},{"sentences":[{"text":"Yeah?","start":80.229996,"end":80.729996,"sentiment":"neutral","sentiment_score":0.03304944932460785},{"text":"Yeah.","start":88.149994,"end":88.649994,"sentiment":"neutral","sentiment_score":0.16020095348358154},{"text":"Perfect.","start":88.71,"end":89.21,"sentiment":"positive","sentiment_score":0.35156702995300293},{"text":"Now I have put together this strategy for you that I best believe are going to achieve your goals and your objectives.","start":90.47,"end":95.835,"sentiment":"positive","sentiment_score":0.37091261554848065},{"text":"But at the end of the day, it is just recommendation.","start":95.895004,"end":98.075005,"sentiment":"neutral","sentiment_score":0.20962582189928403}],"sentiment":"neutral","sentiment_score":0.30585497265888584,"num_words":36,"start":80.229996,"end":98.075005},{"sentences":[{"text":"It's completely up to you.","start":98.375,"end":100.075,"sentiment":"positive","sentiment_score":0.34113925099372866},{"text":"I'll try to keep it quick for you if you're a bit busy, and it is pretty straightforward today.","start":100.295,"end":105.195,"sentiment":"neutral","sentiment_score":0.32972298405672373},{"text":"Now on the cover page, you will also see my details listed, so you will see my authorized representative number listed there, and I am licensed under OCU Financial.","start":106.19,"end":115.090004,"sentiment":"neutral","sentiment_score":0.013211978230111558},{"text":"Now, essentially, on page two, you will see a little section talking about the best interest duty.","start":115.87,"end":123.325005,"sentiment":"neutral","sentiment_score":0.011203277938287048},{"text":"Can you see that?","start":123.325005,"end":124.385,"sentiment":"neutral","sentiment_score":0.022977867629379034}],"sentiment":"neutral","sentiment_score":0.11670199346200034,"num_words":74,"start":98.375,"end":124.385},{"sentences":[{"text":"Yep.","start":126.605,"end":127.085,"sentiment":"neutral","sentiment_score":0.16110488772392273},{"text":"Perfect.","start":127.085,"end":127.585,"sentiment":"positive","sentiment_score":0.5025264024734497},{"text":"So, basically, what this means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":127.645004,"end":136.90999,"sentiment":"neutral","sentiment_score":0.23237282731052902},{"text":"Otherwise, I can't actually make the recommendation.","start":136.90999,"end":139.09,"sentiment":"neutral","sentiment_score":-0.1595480122736522},{"text":"Does that make sense?","start":139.62999,"end":140.68999,"sentiment":"neutral","sentiment_score":0.01948901917785406}],"sentiment":"neutral","sentiment_score":0.16306475641167895,"num_words":49,"start":126.605,"end":140.68999},{"sentences":[{"text":"Yep.","start":141.62999,"end":142.11,"sentiment":"neutral","sentiment_score":0.1405521035194397},{"text":"Perfect.","start":142.11,"end":142.61,"sentiment":"positive","sentiment_score":0.384469211101532},{"text":"Now as you kind of scroll through, you will see a a couple of pages talking about scope of the size.","start":143.06999,"end":149.905,"sentiment":"neutral","sentiment_score":0.14193398576407207},{"text":"Like I said, it is pretty straightforward today.","start":150.125,"end":152.285,"sentiment":"neutral","sentiment_score":0.24770846590399742},{"text":"We are just looking at your superannuation just to see if we wanted to make a couple of those investments, which is we're put in a little bit better position for your retirement, not making any changes into insurances or anything else.","start":152.285,"end":165.65001,"sentiment":"neutral","sentiment_score":0.13724443307589917}],"sentiment":"neutral","sentiment_score":0.1541310812614552,"num_words":73,"start":141.62999,"end":165.65001},{"sentences":[{"text":"You remember that conversation?","start":166.35,"end":167.73,"sentiment":"neutral","sentiment_score":0.020633575273677707},{"text":"Yep.","start":168.99,"end":169.47,"sentiment":"neutral","sentiment_score":0.07336145639419556},{"text":"Perfect.","start":169.47,"end":169.97,"sentiment":"neutral","sentiment_score":0.2135336697101593},{"text":"Again, as you kind of scroll through, you will have a couple of pages to some personal information about you, your assets, liabilities as well, and it will then talk about your risk profile.","start":170.27,"end":183.235,"sentiment":"neutral","sentiment_score":0.06642207618364517},{"text":"That is page eight.","start":183.235,"end":184.275,"sentiment":"neutral","sentiment_score":0.021214873297140002}],"sentiment":"neutral","sentiment_score":0.06165089796889912,"num_words":44,"start":166.35,"end":184.275},{"sentences":[{"text":"Can you see that?","start":184.275,"end":185.33499,"sentiment":"neutral","sentiment_score":0.023793951608240604},{"text":"Yep.","start":186.275,"end":186.595,"sentiment":"neutral","sentiment_score":0.08802255988121033},{"text":"Perfect.","start":186.595,"end":187.095,"sentiment":"neutral","sentiment_score":0.2347334921360016},{"text":"So we're not making any changes to your risk profile.","start":187.39499,"end":189.795,"sentiment":"neutral","sentiment_score":-0.03453052900731564},{"text":"We are keeping you in a high growth.","start":189.795,"end":191.735,"sentiment":"neutral","sentiment_score":0.2331128641963005}],"sentiment":"neutral","sentiment_score":0.08073039508114259,"num_words":24,"start":184.275,"end":191.735},{"sentences":[{"text":"It is suitable for you.","start":192.15999,"end":193.12,"sentiment":"neutral","sentiment_score":0.30677163004875185},{"text":"You still have plenty of time until retirement to take advantage of that and trying to obviously grow your super as much as possible.","start":193.12,"end":199.62,"sentiment":"neutral","sentiment_score":0.25296638409296673},{"text":"So not making any changes at all in regards to your risk profile, just literally those investments.","start":200.0,"end":205.78,"sentiment":"neutral","sentiment_score":-0.04877116980359835},{"text":"Now if you can actually scroll down to page 13 for me, I off yep.","start":208.445,"end":215.725,"sentiment":"neutral","sentiment_score":0.03802005512018999},{"text":"And can you see a table with a fee comparison?","start":215.725,"end":217.985,"sentiment":"neutral","sentiment_score":0.030817789491266012}],"sentiment":"neutral","sentiment_score":0.10780873526097604,"num_words":71,"start":192.15999,"end":217.985},{"sentences":[{"text":"Yep.","start":219.66,"end":219.98,"sentiment":"positive","sentiment_score":0.33514055609703064},{"text":"Perfect.","start":219.98,"end":220.37999,"sentiment":"positive","sentiment_score":0.6922100782394409},{"text":"So the couple of pages that you did scroll through, it basically outlines your recommendation in Word for you as well so that you can have a bit of a read over it.","start":220.37999,"end":228.8,"sentiment":"positive","sentiment_score":0.3843809998396671},{"text":"It outlines why the recommendation is in acting in your best interest, but it also kinda talks about advantages, disadvantages, and risks with the recommendation.","start":229.09999,"end":238.995,"sentiment":"neutral","sentiment_score":0.2748392614722252},{"text":"But I usually find looking at it from from this table makes it a little bit easier.","start":239.69499,"end":244.25499,"sentiment":"positive","sentiment_score":0.39245548844337463}],"sentiment":"positive","sentiment_score":0.35395647362842186,"num_words":77,"start":219.66,"end":244.25499},{"sentences":[{"text":"So I did also do a lot of research on Hub 24 for you just to make sure if that was still the best option or if we wanted to move you somewhere else because there's always new products and features that continue to come out.","start":244.25499,"end":256.65,"sentiment":"neutral","sentiment_score":0.18892423403651817},{"text":"I just put you through some updated research on that.","start":256.965,"end":259.285,"sentiment":"neutral","sentiment_score":0.27542574256658553},{"text":"And at the moment, it's still very much is competitive.","start":259.285,"end":261.785,"sentiment":"positive","sentiment_score":0.37466136515140536},{"text":"It is competitive when it comes to your your fees and investment choices.","start":262.805,"end":267.465,"sentiment":"positive","sentiment_score":0.4720952740082374},{"text":"So I have recommended we stay in Hub 24 for you and let you only change a couple of your investments around.","start":267.76498,"end":274.94,"sentiment":"neutral","sentiment_score":0.31497821787541563}],"sentiment":"neutral","sentiment_score":0.27978361582401956,"num_words":101,"start":244.25499,"end":274.94},{"sentences":[{"text":"Now you can see on this table here that by making the recommendation, it will save you about $570 in fees, which is pretty good just by swapping some of those investments around for you.","start":275.16,"end":289.595,"sentiment":"positive","sentiment_score":0.5180631841932024},{"text":"You can also see the five year rolling average.","start":290.855,"end":293.67502,"sentiment":"neutral","sentiment_score":0.30859217378828263},{"text":"So that shows you your current portfolio using historical and a five year Now when you scroll down to page 14, the one after that Yep.","start":294.135,"end":317.265,"sentiment":"neutral","sentiment_score":0.17823962695323503},{"text":"It then kind of shows you I have projected that forward for five and ten years to show you kind of the the the difference of improving those returns a little bit for you and saving some of that fee.","start":317.585,"end":328.87997,"sentiment":"positive","sentiment_score":0.43625975772738457},{"text":"But I've also shown you the three year, five year, and ten year between the two portfolios so that you can see a little bit more long term there as well.","start":329.02,"end":337.275,"sentiment":"positive","sentiment_score":0.33880976467363294}],"sentiment":"positive","sentiment_score":0.37941322216750883,"num_words":141,"start":275.16,"end":337.275},{"sentences":[{"text":"Yeah.","start":339.115,"end":339.435,"sentiment":"positive","sentiment_score":0.4316830635070801},{"text":"Perfect.","start":339.435,"end":339.935,"sentiment":"neutral","sentiment_score":0.042541082948446274},{"text":"Now I do wanna let you know as well that by making some of the investment changes, because we are selling some of your investments, there will be some capital gains tax by making the change.","start":340.63498,"end":353.33002,"sentiment":"neutral","sentiment_score":0.034392915252182216},{"text":"And if you scroll up to page 13 again for me on where it says the balance, and you can see the difference there at about 780.","start":354.19,"end":363.39,"sentiment":"neutral","sentiment_score":0.008997799225013566},{"text":"Now that is the estimated that is just the estimated tax by making the investment switch just so you are aware.","start":363.39,"end":370.745,"sentiment":"neutral","sentiment_score":0.0185343964202773}],"sentiment":"neutral","sentiment_score":0.027261999993433438,"num_words":86,"start":339.115,"end":370.745},{"sentences":[{"text":"Does that make sense?","start":372.16498,"end":373.305,"sentiment":"neutral","sentiment_score":0.06362810544669628},{"text":"Yep.","start":374.245,"end":374.745,"sentiment":"positive","sentiment_score":0.4440333545207978},{"text":"Perfect.","start":374.805,"end":375.305,"sentiment":"positive","sentiment_score":0.5349557995796204},{"text":"I'll try to limit that as much as possible.","start":375.76498,"end":377.685,"sentiment":"neutral","sentiment_score":0.14268678633703125},{"text":"If we wanted to do a full sell down to switch everything, it would have been about 2,508.","start":377.685,"end":384.46,"sentiment":"neutral","sentiment_score":0.03879937488171789}],"sentiment":"neutral","sentiment_score":0.09745670911489111,"num_words":33,"start":372.16498,"end":384.46},{"sentences":[{"text":"So try to minimize that while still obviously improving the position for you.","start":384.46,"end":388.32,"sentiment":"neutral","sentiment_score":0.1737015313253953},{"text":"Exactly.","start":391.02,"end":391.5,"sentiment":"neutral","sentiment_score":0.16413186490535736},{"text":"And especially if you are saving 570 a year just in admin fees alone, very quickly, you will make up that anyway, and that's not even factoring in the difference in the returns there for you.","start":391.5,"end":402.48502,"sentiment":"neutral","sentiment_score":0.03793885791674256},{"text":"Yep.","start":403.265,"end":403.765,"sentiment":"neutral","sentiment_score":0.2857806086540222},{"text":"Perfect.","start":403.825,"end":404.325,"sentiment":"positive","sentiment_score":0.3826996684074402}],"sentiment":"neutral","sentiment_score":0.08570251796537867,"num_words":52,"start":384.46,"end":404.325},{"sentences":[{"text":"Now when it actually comes to the investments and how they are changing, which is outlined on page 15.","start":404.785,"end":411.20502,"sentiment":"neutral","sentiment_score":0.08778101950883865},{"text":"Now this one can look a little bit messy, but it shows you all your investments.","start":413.37,"end":418.19,"sentiment":"neutral","sentiment_score":0.03432450123364106},{"text":"It shows you your current weight, so what you are currently allocated in each of them, what that basically shows from a dollar point of view, and then you have the buy and sell column.","start":419.13,"end":429.60498,"sentiment":"neutral","sentiment_score":0.08867734713213785},{"text":"So everything in red is what we are selling.","start":429.60498,"end":432.505,"sentiment":"neutral","sentiment_score":0.0724902670416567},{"text":"Everything in black, we're either keeping or adding to your portfolio.","start":433.365,"end":437.625,"sentiment":"neutral","sentiment_score":0.06983333724466237}],"sentiment":"neutral","sentiment_score":0.07490352947885791,"num_words":90,"start":404.785,"end":437.625},{"sentences":[{"text":"Okay?","start":437.685,"end":438.185,"sentiment":"neutral","sentiment_score":0.07716868072748184},{"text":"So you basically can see here that it's not massive changes, but you can see, for example, we are keeping your beta share cybersecurity in your portfolio.","start":439.27002,"end":448.81003,"sentiment":"neutral","sentiment_score":0.15766544391711554},{"text":"We are keeping your iShares Europe, keeping the iShares S and P 500, I'm pretty good for you, just increasing that allocation a little bit.","start":449.43002,"end":458.415,"sentiment":"positive","sentiment_score":0.3374485397338867},{"text":"And then you can see the ones we are selling.","start":458.875,"end":461.215,"sentiment":"neutral","sentiment_score":0.12009815387427807},{"text":"And underneath that, you will see the new investment.","start":461.835,"end":464.52,"sentiment":"neutral","sentiment_score":0.025976276853018336}],"sentiment":"neutral","sentiment_score":0.19729329430912104,"num_words":72,"start":437.685,"end":464.52},{"sentences":[{"text":"World, but this one actually excludes The US.","start":473.15997,"end":476.13998,"sentiment":"neutral","sentiment_score":-0.021890540432650596},{"text":"You already have a closer to The US in the iShares S and P 500, and we also wanna make sure you don't have too much exposure in one section.","start":476.28,"end":484.245,"sentiment":"neutral","sentiment_score":-0.02842906181079646},{"text":"Does that make sense?","start":484.245,"end":485.305,"sentiment":"neutral","sentiment_score":0.014203390572220087},{"text":"Yeah.","start":485.60498,"end":486.00497,"sentiment":"neutral","sentiment_score":0.3197450041770935},{"text":"Perfect.","start":486.00497,"end":486.50497,"sentiment":"positive","sentiment_score":0.4984468817710877}],"sentiment":"neutral","sentiment_score":-0.003477062035182659,"num_words":44,"start":473.15997,"end":486.50497},{"sentences":[{"text":"And then the the change for the Benelung, that's the one I mentioned last time that was underperforming a little bit.","start":487.525,"end":493.53,"sentiment":"neutral","sentiment_score":0.0017940470327933629},{"text":"We we have completely sold down, and the the change for that one is at the bottom of that page, which is the beta shares Australia two 100.","start":494.49,"end":503.95,"sentiment":"neutral","sentiment_score":0.043090194197637696},{"text":"So, again, we wanna make sure we have some exposure to the Australian market if we swapping one out.","start":504.41,"end":509.675,"sentiment":"neutral","sentiment_score":0.02165733527784285},{"text":"But that one here basically invests in the 200 largest companies listed on the ASX.","start":510.055,"end":515.27496,"sentiment":"neutral","sentiment_score":0.06576236064235369},{"text":"So you will have companies like Commonwealth and BHP and Woolworths.","start":515.495,"end":519.115,"sentiment":"neutral","sentiment_score":0.10159382698210803}],"sentiment":"neutral","sentiment_score":0.0399963542759577,"num_words":94,"start":487.525,"end":519.115},{"sentences":[{"text":"And because it basically tracks the 200 largest companies, you won't have as much, you know, fluctuation than the Benelon there for you, which was kind of designed to actively buy and sell different investments in order to try and outperform the market.","start":519.575,"end":534.12994,"sentiment":"neutral","sentiment_score":0.13328075504233672},{"text":"And that is also how we could save a little bit on fees there for you.","start":534.43,"end":537.79,"sentiment":"neutral","sentiment_score":0.1903996830806136},{"text":"Does that make sense?","start":537.79,"end":538.93,"sentiment":"neutral","sentiment_score":0.12623723596334457},{"text":"Yeah.","start":540.015,"end":540.495,"sentiment":"neutral","sentiment_score":0.30710569024086},{"text":"Perfect.","start":540.495,"end":540.995,"sentiment":"positive","sentiment_score":0.4042094349861145}],"sentiment":"neutral","sentiment_score":0.15374971484908692,"num_words":65,"start":519.575,"end":540.995},{"sentences":[{"text":"And you will then also see it kind of spills over to the next page, and it shows you we are still we're having 7% in gold for you as your defensive and then also a bit of fixed interest at 5% as well.","start":541.375,"end":554.93,"sentiment":"neutral","sentiment_score":0.20935008336197247},{"text":"So making sure we have some defensive to limit your fluctuations, but the main focus is your growth investments to kinda grow that for you.","start":554.93,"end":562.63,"sentiment":"neutral","sentiment_score":0.23011221170425414},{"text":"Yeah.","start":563.745,"end":564.065,"sentiment":"neutral","sentiment_score":0.06286270916461945},{"text":"Do do you have any questions in regards to the investment, so it's pretty straightforward?","start":564.065,"end":567.84503,"sentiment":"neutral","sentiment_score":-0.004482633620500563},{"text":"Yep.","start":568.385,"end":568.78503,"sentiment":"neutral","sentiment_score":0.11297519505023956}],"sentiment":"neutral","sentiment_score":0.1752652018655871,"num_words":86,"start":541.375,"end":568.78503},{"sentences":[{"text":"Perfect.","start":568.78503,"end":569.28503,"sentiment":"neutral","sentiment_score":0.31818121671676636},{"text":"In the appendix, which is the attachment I sent in the email, I have included all the investment links there for you.","start":569.745,"end":576.45,"sentiment":"neutral","sentiment_score":0.1821071126244285},{"text":"So if you do plan to go and have a bit of a read over it, that is all in there for you.","start":576.93,"end":582.47003,"sentiment":"neutral","sentiment_score":0.26936136445273523},{"text":"Now on the next page, page 17, you can then see the asset allocation outline.","start":582.77,"end":588.85004,"sentiment":"neutral","sentiment_score":0.09804286956787109},{"text":"So you can see your risk profile aiming for around that 90 to 10 split.","start":588.85004,"end":593.925,"sentiment":"neutral","sentiment_score":0.08588387866814931}],"sentiment":"neutral","sentiment_score":0.17472039868957118,"num_words":76,"start":568.78503,"end":593.925},{"sentences":[{"text":"So 90 growth, 10 defensive.","start":593.925,"end":596.105,"sentiment":"neutral","sentiment_score":0.0656986616551876},{"text":"You can see your existing portfolio and then the proposed.","start":596.805,"end":600.345,"sentiment":"neutral","sentiment_score":0.10988710597157478},{"text":"So you can see that they are a little bit more allocated to your growth in the proposed before pretty much aligning with your risk profile.","start":600.565,"end":609.38,"sentiment":"neutral","sentiment_score":0.13201538373071414},{"text":"Does that make sense, Jack?","start":609.52,"end":611.06,"sentiment":"neutral","sentiment_score":0.0955567829310894},{"text":"Yep.","start":612.0,"end":612.48,"sentiment":"positive","sentiment_score":0.5683057904243469}],"sentiment":"neutral","sentiment_score":0.12565646915042655,"num_words":47,"start":593.925,"end":612.48},{"sentences":[{"text":"Perfect.","start":612.48,"end":612.98,"sentiment":"positive","sentiment_score":0.7063306570053101},{"text":"Now the last thing before I do let you go, it is just the remuneration again.","start":613.36,"end":618.4,"sentiment":"neutral","sentiment_score":0.16901366040110588},{"text":"So that is page 20.","start":618.4,"end":620.075,"sentiment":"neutral","sentiment_score":0.11393064558506012},{"text":"Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure.","start":620.85504,"end":625.895,"sentiment":"neutral","sentiment_score":0.15019295090123227},{"text":"It stays exactly the same at 1.1 from your super.","start":625.895,"end":629.91504,"sentiment":"positive","sentiment_score":0.3661291927099228}],"sentiment":"neutral","sentiment_score":0.20578745971707738,"num_words":51,"start":612.48,"end":629.91504},{"sentences":[{"text":"So if it is that you are happy with the recommendation and you wanted to go ahead, there is no additional fees or charges at all.","start":630.375,"end":637.78,"sentiment":"positive","sentiment_score":0.39875561858599},{"text":"It is all part of that ongoing service for 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me.","start":666.04004,"end":671.5,"sentiment":"neutral","sentiment_score":0.18383189610072545},{"text":"Yep.","start":672.76,"end":673.26,"sentiment":"neutral","sentiment_score":0.2900524139404297},{"text":"Perfect.","start":673.4,"end":673.88,"sentiment":"positive","sentiment_score":0.5607758164405823}],"sentiment":"neutral","sentiment_score":0.17691833194759157,"num_words":36,"start":659.085,"end":673.88},{"sentences":[{"text":"I'll keep a little lookout for that.","start":673.88,"end":675.32,"sentiment":"positive","sentiment_score":0.41173873628888813},{"text":"And when it comes through, I will get the team notified, and we can go ahead and make those changes.","start":675.32,"end":680.725,"sentiment":"neutral","sentiment_score":0.31060722321271894},{"text":"But if you do have any questions at any point, just give me a call and let me know.","start":680.725,"end":684.965,"sentiment":"neutral","sentiment_score":0.0804450209987791},{"text":"Okay?","start":684.965,"end":685.465,"sentiment":"neutral","sentiment_score":0.11744362860918044},{"text":"Not a problem at all.","start":686.967,"end":687.92694,"sentiment":"positive","sentiment_score":0.4205361306667328}],"sentiment":"neutral","sentiment_score":0.2469787557537739,"num_words":52,"start":673.88,"end":687.92694},{"sentences":[{"text":"Thank you so much, Jack, and I will let you go, and enjoy the rest of your day.","start":687.92694,"end":691.467,"sentiment":"positive","sentiment_score":0.6258139428165224},{"text":"Beautiful.","start":692.727,"end":693.227,"sentiment":"positive","sentiment_score":0.7596489191055298},{"text":"Thank you.","start":693.287,"end":694.027,"sentiment":"positive","sentiment_score":0.7511378228664398},{"text":"Bye.","start":694.727,"end":695.227,"sentiment":"neutral","sentiment_score":-0.0945429876446724}],"sentiment":"positive","sentiment_score":0.6105469339950518,"num_words":22,"start":687.92694,"end":695.227}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Good. Thanks. How are you? That's good. Yep. Yeah. Yeah. Now's a good time. Yep. Jack Andrew Hawkins. 26 Of The 10th 9090 And 74 A Cassia Street, D Y. They're doing Bronco courses every two weeks. She just does that specter anyway. Yes. On my phone. Yeah. I see. Just got something then. Be mindful. The things beyond Sully and beyond your excellency that is saying that they're not Yep. They don't want anyone Yep. So they just keep piling itself. He said everyone has gone to is also, you know, like, in this record, they're not actually on a shift. He said that we have two guys, the same two guys on the ground to all the time. So he said, I just just Yep. Yep. Yep. So I said, Yep. Uh-huh. Yep. I could speak out. Yep. It's like, it's either anything. It's just like Yep. Cool. 13? Yep. Yep. Yep. Yep. Cool. Yep. Yep. Cool. That's good. Okay. Yep. Okay. Cool. Mhmm. Yep. Mhmm. 7 100 90. Yep. Okay. Yeah. Yeah. That still makes sense. That's all good. Yep. Yeah. Yeah. Whatever's gonna be better long term. So Yeah. Yeah. Yeah. Yeah. Cool. Mhmm. Yep. Yeah. Yep. Yep. Yeah. Yeah. That sounds cool. Yep. I think it should be sitting there right now. That's what you know. Okay. Mhmm. Yep. Yeah. Cool. Yeah. It's all cool. Yep. Sweet. No. Not so good. Yep. Yeah. Cool. Mhmm. Yes. Yeah. That's a good Yeah. Cool. Yeah. Those things are pretty good to me. Yep. Just wanna follow that risk profile and yeah. It's all sweet. So the super inspector was saying that Carol just Done it. Stuff. Yep. That's looking to the board together. I said, like, you've got. Yep Sweet. No worries. Cheers. Thanks for that. Cheers ahead of vacation. Try it. All good. Okay. You too. Alright. See you later. 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good.","start":567.19,"end":568.08997,"sentiment":"neutral","sentiment_score":-0.009786819418271383},{"text":"Yep.","start":568.47,"end":568.97,"sentiment":"neutral","sentiment_score":0.17576490342617035},{"text":"Yeah.","start":576.72504,"end":577.125,"sentiment":"neutral","sentiment_score":0.07040378451347351},{"text":"Cool.","start":577.125,"end":577.625,"sentiment":"neutral","sentiment_score":0.33153560757637024}],"sentiment":"neutral","sentiment_score":0.06322362167494637,"num_words":7,"start":566.94995,"end":577.625},{"sentences":[{"text":"Mhmm.","start":609.115,"end":609.615,"sentiment":"neutral","sentiment_score":0.05618470907211304},{"text":"Yes.","start":610.07495,"end":610.57495,"sentiment":"neutral","sentiment_score":0.08937159180641174},{"text":"Yeah.","start":610.875,"end":611.27496,"sentiment":"neutral","sentiment_score":0.3212466239929199},{"text":"That's a good 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sweet.","start":651.74506,"end":652.565,"sentiment":"positive","sentiment_score":0.5187015930811564}],"sentiment":"positive","sentiment_score":0.4057790100574493,"num_words":20,"start":647.67,"end":652.565},{"sentences":[{"text":"So the super inspector was saying that Carol just Done it.","start":652.78503,"end":658.16504,"sentiment":"neutral","sentiment_score":0.2504774494604631},{"text":"Stuff.","start":658.30505,"end":658.80505,"sentiment":"neutral","sentiment_score":0.15882408618927002},{"text":"Yep.","start":659.42505,"end":659.92505,"sentiment":"neutral","sentiment_score":0.14973419904708862},{"text":"That's looking to the board together.","start":661.025,"end":662.625,"sentiment":"neutral","sentiment_score":0.1414289946357409},{"text":"I said, like, you've got.","start":662.625,"end":663.84503,"sentiment":"neutral","sentiment_score":0.15277398824691774}],"sentiment":"neutral","sentiment_score":0.19484392243127027,"num_words":24,"start":652.78503,"end":663.84503},{"sentences":[{"text":"Yep Sweet.","start":665.64,"end":685.79504,"sentiment":"neutral","sentiment_score":0.2979145124554634},{"text":"No worries.","start":685.79504,"end":686.35504,"sentiment":"positive","sentiment_score":0.35701465606689453},{"text":"Cheers.","start":686.35504,"end":686.755,"sentiment":"positive","sentiment_score":0.5309416651725769},{"text":"Thanks for that.","start":686.755,"end":687.555,"sentiment":"positive","sentiment_score":0.5242737134297689},{"text":"Cheers ahead of vacation.","start":687.555,"end":688.775,"sentiment":"positive","sentiment_score":0.49626366049051285}],"sentiment":"positive","sentiment_score":0.4498896487057209,"num_words":12,"start":665.64,"end":688.775},{"sentences":[{"text":"Try it.","start":688.835,"end":689.47504,"sentiment":"positive","sentiment_score":0.46161872148513794},{"text":"All good.","start":689.47504,"end":690.135,"sentiment":"positive","sentiment_score":0.4649088680744171},{"text":"Okay.","start":691.315,"end":691.635,"sentiment":"positive","sentiment_score":0.4164718985557556},{"text":"You too.","start":691.635,"end":692.2169,"sentiment":"positive","sentiment_score":0.4899257570505142},{"text":"Alright.","start":693.17694,"end":693.6569,"sentiment":"positive","sentiment_score":0.5740563869476318}],"sentiment":"positive","sentiment_score":0.47792937234044075,"num_words":8,"start":688.835,"end":693.6569},{"sentences":[{"text":"See you later.","start":693.6569,"end":694.3969,"sentiment":"positive","sentiment_score":0.5516946713129679},{"text":"Bye.","start":694.4569,"end":694.9569,"sentiment":"neutral","sentiment_score":0.2682889401912689}],"sentiment":"positive","sentiment_score":0.4808432385325432,"num_words":4,"start":693.6569,"end":694.9569}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Jack?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from ITU Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in for a pretty quick catch up just to go through the research I did on your super investment.\n\nChannel 1: Yep.\n\nChannel 0: Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. Now's a good time.\n\nChannel 0: Yep. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect.\n\nAnd just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Jack Andrew Hawkins. 26 Of The 10th 9090 And 74 A Cassia Street, D Y. They're\n\nChannel 0: Yep.\n\nChannel 1: doing\n\nChannel 0: Beautiful.\n\nChannel 1: Bronco courses\n\nChannel 0: Now\n\nChannel 1: every\n\nChannel 0: do you have\n\nChannel 1: two\n\nChannel 0: access\n\nChannel 1: weeks.\n\nChannel 0: to your emails\n\nChannel 1: She just\n\nChannel 0: at\n\nChannel 1: does\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: moment,\n\nChannel 1: specter\n\nChannel 0: or\n\nChannel 1: anyway.\n\nChannel 0: is it a bit tricky?\n\nChannel 1: Yes. On my phone.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I see.\n\nChannel 0: Okay.\n\nChannel 1: Just got something then. Be mindful.\n\nChannel 0: Yes.\n\nChannel 1: The things beyond Sully and beyond your excellency that is saying that they're not Yep. They don't want anyone\n\nChannel 0: Yep. Perfect. So I have made a recommendation on changing some of your investments around. Sorry. What you will can you see the statement of advice now in front of you?\n\nYeah? Yeah. Perfect. Now I have put together this strategy for you that I best believe are going to achieve your goals and your objectives. But at the end of the day, it is just recommendation.\n\nIt's completely up to you. I'll try to keep it quick for you if you're a bit busy, and it is pretty straightforward today.\n\nChannel 1: Yep.\n\nChannel 0: Now on\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: they\n\nChannel 0: cover\n\nChannel 1: just\n\nChannel 0: page,\n\nChannel 1: keep\n\nChannel 0: you will\n\nChannel 1: piling\n\nChannel 0: also\n\nChannel 1: itself.\n\nChannel 0: see\n\nChannel 1: He said\n\nChannel 0: my\n\nChannel 1: everyone\n\nChannel 0: details\n\nChannel 1: has gone\n\nChannel 0: listed,\n\nChannel 1: to\n\nChannel 0: so you will see my\n\nChannel 1: is\n\nChannel 0: authorized representative\n\nChannel 1: also,\n\nChannel 0: number\n\nChannel 1: you know,\n\nChannel 0: listed there,\n\nChannel 1: like,\n\nChannel 0: and\n\nChannel 1: in\n\nChannel 0: I am licensed\n\nChannel 1: this record, they're\n\nChannel 0: under\n\nChannel 1: not\n\nChannel 0: OCU\n\nChannel 1: actually on\n\nChannel 0: Financial.\n\nChannel 1: a shift. He said that we have two\n\nChannel 0: Now,\n\nChannel 1: guys, the same two\n\nChannel 0: essentially,\n\nChannel 1: guys on the ground to all the time.\n\nChannel 0: on\n\nChannel 1: So\n\nChannel 0: page\n\nChannel 1: he said,\n\nChannel 0: two, you will see a little section\n\nChannel 1: I just\n\nChannel 0: talking about\n\nChannel 1: just\n\nChannel 0: the best interest duty. Can you see that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. So, basically, what this means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result\n\nChannel 1: Yep.\n\nChannel 0: of the advice. Otherwise, I can't actually make the recommendation.\n\nChannel 1: So I\n\nChannel 0: Does\n\nChannel 1: said,\n\nChannel 0: that make sense? Yep. Perfect. Now as you kind of scroll through, you will see a a couple of pages talking about scope of the size. Like I said, it is pretty straightforward today.\n\nWe are just looking at your superannuation just to see if we wanted to make a couple of those investments, which is we're put in a little bit better position for your retirement, not making any changes into insurances or anything else.\n\nChannel 1: Yep.\n\nChannel 0: You remember that conversation? Yep. Perfect. Again, as you kind of scroll through, you will have a couple of pages to some personal information about you, your assets, liabilities as well, and\n\nChannel 1: Uh-huh.\n\nChannel 0: it will then talk about your risk profile. That is page eight. Can you see that? Yep. Perfect.\n\nSo we're not making any changes to your risk profile. We are keeping you in a high growth. It is suitable for you. You still have plenty of time until retirement to take advantage\n\nChannel 1: Yep.\n\nChannel 0: of that and trying to obviously grow your super as much as possible.\n\nChannel 1: I could speak\n\nChannel 0: So\n\nChannel 1: out.\n\nChannel 0: not\n\nChannel 1: Yep.\n\nChannel 0: making any\n\nChannel 1: It's\n\nChannel 0: changes\n\nChannel 1: like, it's\n\nChannel 0: at all\n\nChannel 1: either\n\nChannel 0: in\n\nChannel 1: anything.\n\nChannel 0: regards\n\nChannel 1: It's\n\nChannel 0: to your\n\nChannel 1: just\n\nChannel 0: risk\n\nChannel 1: like\n\nChannel 0: profile, just literally those investments.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Now if you can actually scroll down to page\n\nChannel 1: 13?\n\nChannel 0: 13 for me, I off yep. And can\n\nChannel 1: Yep.\n\nChannel 0: you see a table with a fee comparison? Yep. Perfect. So the couple of pages that you did scroll through, it basically outlines your recommendation in Word for you as well so that you can have a bit of a read over it. It outlines why the recommendation is in acting in your best interest, but it also kinda talks about advantages, disadvantages, and risks with the recommendation.\n\nBut I usually find looking at it from from this table makes it a little bit easier. So I did also do a lot of research on Hub 24 for you just to make sure if that was still the best option or if we wanted to move you somewhere else because there's always new products and features that continue to come out. I just put you through some updated research on that. And at the moment, it's still very much is competitive.\n\nChannel 1: Yep.\n\nChannel 0: It\n\nChannel 1: Yep.\n\nChannel 0: is competitive when it comes to your your fees and investment choices. So I have recommended we stay in Hub 24 for you and\n\nChannel 1: Yep.\n\nChannel 0: let you only change a couple of your investments around. Now you can see on this table here that by making the recommendation,\n\nChannel 1: Cool.\n\nChannel 0: it will save you about $570 in fees, which is pretty good\n\nChannel 1: Yep.\n\nChannel 0: just by swapping some of those investments around for you. You can also see the five year rolling average. So that shows you your current portfolio using historical and a five year\n\nChannel 1: Yep. Cool.\n\nChannel 0: Now\n\nChannel 1: That's\n\nChannel 0: when\n\nChannel 1: good.\n\nChannel 0: you scroll down to page 14, the one\n\nChannel 1: Okay.\n\nChannel 0: after that\n\nChannel 1: Yep.\n\nChannel 0: Yep. It then kind of shows you I have projected that forward for five and ten years to show you kind of the the the difference of improving those returns a little bit for you and saving some of that fee. But I've also shown you the three year, five year, and ten year between the two portfolios so that you can see a little bit more long term there as well.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah. Perfect. Now I do wanna let you know as well that by making some of the investment changes, because we are selling some of your investments, there will be some capital gains tax by making the change. And if you scroll up to page 13\n\nChannel 1: Mhmm.\n\nChannel 0: again for me on\n\nChannel 1: Yep.\n\nChannel 0: where it says the balance, and you can see the difference there at\n\nChannel 1: Mhmm.\n\nChannel 0: about 780. Now\n\nChannel 1: 7\n\nChannel 0: that is\n\nChannel 1: 100\n\nChannel 0: the\n\nChannel 1: 90.\n\nChannel 0: estimated\n\nChannel 1: Yep.\n\nChannel 0: that is just the estimated tax by making the investment switch just so you are aware.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. That still makes sense. That's\n\nChannel 0: Yep.\n\nChannel 1: all good.\n\nChannel 0: Perfect. I'll try to limit that as much as possible. If we wanted to do a full sell down to switch everything,\n\nChannel 1: Yep.\n\nChannel 0: it would have been about 2,508. So\n\nChannel 1: Yeah.\n\nChannel 0: try to minimize that while still obviously improving the position for you.\n\nChannel 1: Yeah. Whatever's gonna be better long term. So\n\nChannel 0: Exactly. And especially if you are saving 570 a year just in\n\nChannel 1: Yeah.\n\nChannel 0: admin fees alone, very\n\nChannel 1: Yeah.\n\nChannel 0: quickly, you will make up that anyway, and that's not even factoring in the difference in the returns there for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yep. Perfect. Now when it actually comes to the investments and how they are changing, which is outlined on page 15.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now this one can look a little bit messy, but it\n\nChannel 1: Yeah.\n\nChannel 0: shows you all your investments. It shows you your current weight, so what you are currently allocated in each of them, what that basically shows from a dollar point of view, and then you have the buy and sell column. So everything in red is what we are selling. Everything in black, we're either keeping or adding to your portfolio. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So you basically can see here that it's not massive changes, but you can see, for example, we are keeping your beta share cybersecurity in your portfolio. We are keeping your iShares Europe, keeping the iShares S and P 500, I'm pretty good for you, just increasing that allocation a little bit. And then you can see the ones we are selling. And underneath that, you will see the new investment.\n\nChannel 1: Yep.\n\nChannel 0: World, but this one actually excludes The US. You already have a closer to The US in the iShares S and P 500, and we also wanna make sure you don't have too much exposure in one section. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yeah. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: cool.\n\nChannel 0: Perfect. And then the the change for the Benelung, that's the one I mentioned last time that was underperforming a little bit.\n\nChannel 1: Yep.\n\nChannel 0: We we have completely sold down, and the the change for that one is at the bottom of that page,\n\nChannel 1: I\n\nChannel 0: which\n\nChannel 1: think it\n\nChannel 0: is\n\nChannel 1: should\n\nChannel 0: the\n\nChannel 1: be sitting\n\nChannel 0: beta\n\nChannel 1: there\n\nChannel 0: shares\n\nChannel 1: right now.\n\nChannel 0: Australia\n\nChannel 1: That's what you\n\nChannel 0: two\n\nChannel 1: know.\n\nChannel 0: 100. So, again,\n\nChannel 1: Okay.\n\nChannel 0: we wanna make sure we have some exposure to the Australian market if we swapping one out. But that one here basically invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths. And because\n\nChannel 1: Mhmm.\n\nChannel 0: it basically tracks the 200 largest\n\nChannel 1: Yep.\n\nChannel 0: companies, you won't have as much, you know, fluctuation than the Benelon there for you, which was kind of designed to actively buy and sell different investments in order to try and outperform the market. And that is also how we could save a little bit on fees there for you. Does that\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: Cool.\n\nChannel 0: sense?\n\nChannel 1: Yeah. It's all cool.\n\nChannel 0: Yeah. Perfect. And you will then also see it kind of spills over to the next page, and it shows you we are still we're having 7% in gold for you as your defensive and then also a bit of fixed interest at 5% as well. So making sure we have some defensive to limit your fluctuations, but the main focus is your growth investments to kinda grow that for you.\n\nChannel 1: Yep. Sweet.\n\nChannel 0: Yeah. Do do you have any questions in regards to the investment, so it's\n\nChannel 1: No.\n\nChannel 0: pretty\n\nChannel 1: Not\n\nChannel 0: straightforward?\n\nChannel 1: so good.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. In the appendix, which is the attachment I sent in the email, I have included all the investment links there for you.\n\nChannel 1: Yeah.\n\nChannel 0: So if\n\nChannel 1: Cool.\n\nChannel 0: you do plan to go and have a bit of a read over it, that is all in there for you. Now on the next page, page 17, you can then see the asset allocation outline. So you can see your risk profile aiming for around that 90 to 10 split. So 90 growth, 10 defensive. You can see your existing portfolio and then the proposed.\n\nSo you can see that they are a little bit more allocated to your growth in the proposed before pretty much aligning with your risk profile.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense, Jack?\n\nChannel 1: Yeah. That's a good\n\nChannel 0: Yep. Perfect. Now the last thing before I do let you go, it is just the remuneration again. So that is page 20. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure.\n\nIt stays exactly the same at 1.1 from your super. So if it is that you are happy with the recommendation and you wanted to go ahead, there is no additional fees or charges at all. It is all part of that ongoing service for you.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yep. Perfect. Now, Jack, do you have any questions for me, or what are your thoughts on these investment\n\nChannel 1: Yeah.\n\nChannel 0: changes?\n\nChannel 1: Those things are pretty good to me. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Just wanna follow that\n\nChannel 0: Perfect.\n\nChannel 1: risk profile and yeah. It's all sweet.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: the super inspector\n\nChannel 0: So, basically,\n\nChannel 1: was\n\nChannel 0: from\n\nChannel 1: saying\n\nChannel 0: here is if you are happy\n\nChannel 1: that\n\nChannel 0: to go ahead with\n\nChannel 1: Carol\n\nChannel 0: it,\n\nChannel 1: just Done\n\nChannel 0: I will\n\nChannel 1: it.\n\nChannel 0: just need\n\nChannel 1: Stuff.\n\nChannel 0: you yes. Exactly.\n\nChannel 1: Yep.\n\nChannel 0: I will just need you to add a little\n\nChannel 1: That's\n\nChannel 0: scribble,\n\nChannel 1: looking to the board together. I said,\n\nChannel 0: and\n\nChannel 1: like, you've got.\n\nChannel 0: it should automatically add the date as\n\nChannel 1: Yep\n\nChannel 0: well. And then when you press validate, it should then send it back to me. Yep. Perfect. I'll keep a little lookout for that.\n\nAnd when it comes through, I will get the team notified, and we can go ahead and make those changes. But if you do have any questions at any point, just give me a call and let me know. Okay?\n\nChannel 1: Sweet. No worries. Cheers. Thanks for\n\nChannel 0: Not\n\nChannel 1: that.\n\nChannel 0: a problem\n\nChannel 1: Cheers\n\nChannel 0: at all.\n\nChannel 1: ahead\n\nChannel 0: Thank you\n\nChannel 1: of vacation.\n\nChannel 0: so much, Jack,\n\nChannel 1: Try\n\nChannel 0: and I\n\nChannel 1: it.\n\nChannel 0: will let\n\nChannel 1: All\n\nChannel 0: you\n\nChannel 1: good.\n\nChannel 0: go, and enjoy the rest of your day.\n\nChannel 1: Okay. You too.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: Thank you.\n\nChannel 1: See you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.03485485911369324}],"sentiment":"neutral","sentiment_score":0.03485485911369324,"channel":1,"num_words":1,"start":0.32,"end":0.82},{"sentences":[{"text":"Good morning.","start":2.08,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.2707817927002907},{"text":"Is this Jack?","start":2.6399999,"end":3.46,"sentiment":"neutral","sentiment_score":0.12320719162623088}],"sentiment":"neutral","sentiment_score":0.1822370320558548,"channel":0,"num_words":5,"start":2.08,"end":3.46},{"sentences":[{"text":"Yes.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.10843975096940994}],"sentiment":"neutral","sentiment_score":0.10843975096940994,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"This is Veronica from ITU 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later.","start":693.6569,"end":694.3969,"sentiment":"positive","sentiment_score":0.5516946713129679},{"text":"Bye.","start":694.4569,"end":694.9569,"sentiment":"neutral","sentiment_score":0.2682889401912689}],"sentiment":"positive","sentiment_score":0.4808432385325432,"channel":1,"num_words":4,"start":693.6569,"end":694.9569},{"sentences":[{"text":"Bye.","start":694.727,"end":695.227,"sentiment":"neutral","sentiment_score":-0.0945429876446724}],"sentiment":"neutral","sentiment_score":-0.0945429876446724,"channel":0,"num_words":1,"start":694.727,"end":695.227}]},"summary":{"result":"success","short":"Representatives from ITU Financial and Hub 24 discuss the benefits of their investment strategy to customers, including capital gains tax and potential changes to risk profiles. They recommend staying in high-growth investments and focus on growth investments while avoiding massive changes to the risk profile. The agents provide links to the customer's investment links and explain the risk profile of their investment strategy. The calls end with thanks and pleasantries."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect.","start_word":66,"end_word":95,"intents":[{"intent":"Inform about call recording","confidence_score":0.019403873}]},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Yep.","start_word":96,"end_word":126,"intents":[{"intent":"Confirm identity","confidence_score":0.6902591},{"intent":"Confirm identity","confidence_score":0.22191948},{"intent":"Confirm information","confidence_score":0.03861185},{"intent":"Confirm information","confidence_score":0.0002201301}]},{"text":"I'll try to keep it quick for you if you're a bit busy, and it is pretty straightforward today. Yep.","start_word":281,"end_word":300,"intents":[{"intent":"Offer assistance","confidence_score":0.017372282}]},{"text":"Now on So the they cover just page, keep you will piling also itself.","start_word":301,"end_word":314,"intents":[{"intent":"End call","confidence_score":0.0054434217}]},{"text":"not Yep. making any It's changes like, it's at all either in anything. regards It's to your just risk like profile, just literally those investments. Yep.","start_word":634,"end_word":659,"intents":[{"intent":"Address concerns","confidence_score":0.0060422397}]},{"text":"is competitive when it comes to your your fees and investment choices. So I have recommended we stay in Hub 24 for you and Yep. let you only change a couple of your investments around.","start_word":834,"end_word":868,"intents":[{"intent":"Recommend staying in hub 24 for fees and investment choices","confidence_score":0.00007810111}]},{"text":"It then kind of shows you I have projected that forward for five and ten years to show you kind of the the the difference of improving those returns a little bit for you and saving some of that fee. But I've also shown you the three year, five year, and ten year between the two portfolios so that you can see a little bit more long term there as well. Okay.","start_word":947,"end_word":1018,"intents":[{"intent":"Show projections and savings on returns","confidence_score":0.0000034305888},{"intent":"Explain the difference between portfolios","confidence_score":0.01725585}]},{"text":"that is just the estimated tax by making the investment switch just so you are aware. Okay.","start_word":1097,"end_word":1113,"intents":[{"intent":"Calculate tax impact on portfolios","confidence_score":0.000006417905}]},{"text":"And underneath that, you will see the new investment. Yep. World, but this one actually excludes The US. You already have a closer to The US in the iShares S and P 500, and we also wanna make sure you don't have too much exposure in one section. Does that make Yeah.","start_word":1381,"end_word":1432,"intents":[{"intent":"Highlight investment restrictions","confidence_score":0.00028362463}]},{"text":"You can see your existing portfolio and then the proposed. So you can see that they are a little bit more allocated to your growth in the proposed before pretty much aligning with your risk profile. Mhmm.","start_word":1797,"end_word":1833,"intents":[{"intent":"Check portfolio status","confidence_score":0.000026650714}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Jack? Yes. This is Veronica from ITU Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.14960040152072906},{"text":"Good. Thanks.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.5059438943862915},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.27784761786460876},{"text":"Good. Thanks. That's good. I had you booked in for a pretty quick catch up just to go through the research I did on your super investment.","start_word":21,"end_word":47,"sentiment":"positive","sentiment_score":0.46713560819625854},{"text":"Yep.","start_word":48,"end_word":48,"sentiment":"neutral","sentiment_score":0.30548787117004395},{"text":"Is now still a good time for you?","start_word":49,"end_word":56,"sentiment":"positive","sentiment_score":0.37755087018013},{"text":"Yeah. Yeah.","start_word":57,"end_word":58,"sentiment":"neutral","sentiment_score":0.25816860795021057},{"text":"Now's a good time.","start_word":59,"end_word":62,"sentiment":"positive","sentiment_score":0.46793943643569946},{"text":"Yep. Alright.","start_word":63,"end_word":64,"sentiment":"neutral","sentiment_score":0.22473278641700745},{"text":"Perfect.","start_word":65,"end_word":65,"sentiment":"positive","sentiment_score":0.42067885398864746},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Yep. Jack Andrew Hawkins. 26 Of The 10th 9090 And 74 A Cassia Street, D Y. They're Yep.","start_word":66,"end_word":143,"sentiment":"neutral","sentiment_score":0.05647869408130646},{"text":"doing Beautiful.","start_word":144,"end_word":145,"sentiment":"positive","sentiment_score":0.4137851595878601},{"text":"Bronco courses Now every do you have two access weeks. to your emails She just at does the that moment, specter or anyway. is it a bit tricky? Yes. On my phone. Yep. Yeah. I see. Okay. Just got something then. Be mindful. Yes. The things beyond Sully and beyond your excellency that is saying that they're not Yep. They don't want anyone Yep. Perfect. So I have made a recommendation on changing some of your investments around. Sorry. What you will can you see the statement of advice now in front of you? Yeah? Yeah.","start_word":146,"end_word":241,"sentiment":"neutral","sentiment_score":-0.03863559290766716},{"text":"Perfect. Now I have put together this strategy for you that I best believe are going to achieve your goals and your objectives.","start_word":242,"end_word":264,"sentiment":"positive","sentiment_score":0.36777812242507935},{"text":"But at the end of the day, it is just recommendation. It's completely up to you. I'll try to keep it quick for you if you're a bit busy, and it is pretty straightforward today. Yep. Now on So the they cover just page, keep you will piling also itself. see He said my everyone details has gone listed, to so you will see my is authorized representative also, number you know, listed there, like, and in I am licensed this record, they're under not OCU actually on Financial. a shift. He said that we have two Now, guys, the same two essentially, guys on the ground to all the time. on So page he said, two, you will see a little section I just talking about just the best interest duty. Can you see that? Yep. Yep. Yep.","start_word":265,"end_word":403,"sentiment":"neutral","sentiment_score":0.08850816150845812},{"text":"Perfect.","start_word":404,"end_word":404,"sentiment":"positive","sentiment_score":0.5025264024734497},{"text":"So, basically, what this means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result Yep. of the advice. Otherwise, I can't actually make the recommendation. So I Does said, that make sense? Yep.","start_word":405,"end_word":456,"sentiment":"neutral","sentiment_score":0.13069412112236023},{"text":"Perfect.","start_word":457,"end_word":457,"sentiment":"positive","sentiment_score":0.384469211101532},{"text":"Now as you kind of scroll through, you will see a a couple of pages talking about scope of the size. Like I said, it is pretty straightforward today. We are just looking at your superannuation just to see if we wanted to make a couple of those investments, which is we're put in a little bit better position for your retirement, not making any changes into insurances or anything else. Yep. You remember that conversation? Yep. Perfect. Again, as you kind of scroll through, you will have a couple of pages to some personal information about you, your assets, liabilities as well, and Uh-huh. it will then talk about your risk profile. That is page eight. Can you see that? Yep. Perfect. So we're not making any changes to your risk profile. We are keeping you in a high growth. It is suitable for you. You still have plenty of time until retirement to take advantage Yep. of that and trying to obviously grow your super as much as possible. I could speak So out. not Yep. making any It's changes like, it's at all either in anything. regards It's to your just risk like profile, just literally those investments. Yep. Cool. Now if you can actually scroll down to page 13? 13 for me, I off yep. And can Yep. you see a table with a fee comparison?","start_word":458,"end_word":687,"sentiment":"neutral","sentiment_score":0.09594861483606308},{"text":"Yep. Perfect. So the couple of pages that you did scroll through, it basically outlines your recommendation in Word for you as well so that you can have a bit of a read over it.","start_word":688,"end_word":722,"sentiment":"positive","sentiment_score":0.39643868803977966},{"text":"It outlines why the recommendation is in acting in your best interest, but it also kinda talks about advantages, disadvantages, and risks with the recommendation.","start_word":723,"end_word":747,"sentiment":"neutral","sentiment_score":0.2562982141971588},{"text":"But I usually find looking at it from from this table makes it a little bit easier.","start_word":748,"end_word":764,"sentiment":"positive","sentiment_score":0.3963746726512909},{"text":"So I did also do a lot of research on Hub 24 for you just to make sure if that was still the best option or if we wanted to move you somewhere else because there's always new products and features that continue to come out. I just put you through some updated research on that.","start_word":765,"end_word":820,"sentiment":"neutral","sentiment_score":0.20688891410827637},{"text":"And at the moment, it's still very much is competitive. Yep. It Yep. is competitive when it comes to your your fees and investment choices. So I have recommended we stay in Hub 24 for you and Yep.","start_word":821,"end_word":858,"sentiment":"positive","sentiment_score":0.40790650248527527},{"text":"let you only change a couple of your investments around.","start_word":859,"end_word":868,"sentiment":"neutral","sentiment_score":0.2210632562637329},{"text":"Now you can see on this table here that by making the recommendation, Cool. it will save you about $570 in fees, which is pretty good Yep. just by swapping some of those investments around for you.","start_word":869,"end_word":905,"sentiment":"positive","sentiment_score":0.5293523073196411},{"text":"You can also see the five year rolling average. So that shows you your current portfolio using historical and a five year Yep.","start_word":906,"end_word":928,"sentiment":"neutral","sentiment_score":0.2444770634174347},{"text":"Cool. Now That's when good.","start_word":929,"end_word":933,"sentiment":"positive","sentiment_score":0.3785921335220337},{"text":"you scroll down to page 14, the one Okay. after that Yep. Yep.","start_word":934,"end_word":946,"sentiment":"neutral","sentiment_score":0.11572922766208649},{"text":"It then kind of shows you I have projected that forward for five and ten years to show you kind of the the the difference of improving those returns a little bit for you and saving some of that fee. But I've also shown you the three year, five year, and ten year between the two portfolios so that you can see a little bit more long term there as well. Okay. Cool. Yeah. Perfect.","start_word":947,"end_word":1021,"sentiment":"positive","sentiment_score":0.40239936113357544},{"text":"Now I do wanna let you know as well that by making some of the investment changes, because we are selling some of your investments, there will be some capital gains tax by making the change. And if you scroll up to page 13 Mhmm. again for me on Yep. where it says the balance, and you can see the difference there at Mhmm. about 780. Now 7 that is 100 the 90. estimated Yep. that is just the estimated tax by making the investment switch just so you are aware. Okay. Does that make sense? Yeah. Yeah. That still makes sense.","start_word":1022,"end_word":1123,"sentiment":"neutral","sentiment_score":0.03502430394291878},{"text":"That's Yep. all good. Perfect.","start_word":1124,"end_word":1128,"sentiment":"positive","sentiment_score":0.4868975281715393},{"text":"I'll try to limit that as much as possible. If we wanted to do a full sell down to switch everything, Yep. it would have been about 2,508. So Yeah. try to minimize that while still obviously improving the position for you. Yeah. Whatever's gonna be better long term. So Exactly. And especially if you are saving 570 a year just in Yeah. admin fees alone, very Yeah. quickly, you will make up that anyway, and that's not even factoring in the difference in the returns there for Yeah. you. Yeah. Cool. Yep.","start_word":1129,"end_word":1221,"sentiment":"neutral","sentiment_score":0.09138385206460951},{"text":"Perfect.","start_word":1222,"end_word":1222,"sentiment":"positive","sentiment_score":0.3826996684074402},{"text":"Now when it actually comes to the investments and how they are changing, which is outlined on page 15. Mhmm. Yep. Now this one can look a little bit messy, but it Yeah. shows you all your investments. It shows you your current weight, so what you are currently allocated in each of them, what that basically shows from a dollar point of view, and then you have the buy and sell column. So everything in red is what we are selling. Everything in black, we're either keeping or adding to your portfolio. Okay? Yep. So you basically can see here that it's not massive changes, but you can see, for example, we are keeping your beta share cybersecurity in your portfolio.","start_word":1223,"end_word":1344,"sentiment":"neutral","sentiment_score":0.08996251970529556},{"text":"We are keeping your iShares Europe, keeping the iShares S and P 500, I'm pretty good for you, just increasing that allocation a little bit.","start_word":1345,"end_word":1369,"sentiment":"positive","sentiment_score":0.33819690346717834},{"text":"And then you can see the ones we are selling. And underneath that, you will see the new investment. Yep. World, but this one actually excludes The US. You already have a closer to The US in the iShares S and P 500, and we also wanna make sure you don't have too much exposure in one section. Does that make Yeah. sense? Yeah. That sounds Yeah.","start_word":1370,"end_word":1436,"sentiment":"neutral","sentiment_score":0.0219908856105671},{"text":"cool. Perfect.","start_word":1437,"end_word":1438,"sentiment":"positive","sentiment_score":0.4810202717781067},{"text":"And then the the change for the Benelung, that's the one I mentioned last time that was underperforming a little bit. Yep. We we have completely sold down, and the the change for that one is at the bottom of that page, I which think it is should the be sitting beta there shares right now. Australia That's what you two know. 100. So, again, Okay. we wanna make sure we have some exposure to the Australian market if we swapping one out. But that one here basically invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths. And because Mhmm. it basically tracks the 200 largest Yep. companies, you won't have as much, you know, fluctuation than the Benelon there for you, which was kind of designed to actively buy and sell different investments in order to try and outperform the market. And that is also how we could save a little bit on fees there for you. Does that Yeah. make Cool. sense? Yeah.","start_word":1439,"end_word":1615,"sentiment":"neutral","sentiment_score":0.07932832837104797},{"text":"It's all cool.","start_word":1616,"end_word":1618,"sentiment":"positive","sentiment_score":0.33765310049057007},{"text":"Yeah.","start_word":1619,"end_word":1619,"sentiment":"neutral","sentiment_score":0.30710569024086},{"text":"Perfect.","start_word":1620,"end_word":1620,"sentiment":"positive","sentiment_score":0.4042094349861145},{"text":"And you will then also see it kind of spills over to the next page, and it shows you we are still we're having 7% in gold for you as your defensive and then also a bit of fixed interest at 5% as well. So making sure we have some defensive to limit your fluctuations, but the main focus is your growth investments to kinda grow that for you. Yep. Sweet. Yeah. Do do you have any questions in regards to the investment, so it's No. pretty Not straightforward? so good. Yep. Yep. Perfect. In the appendix, which is the attachment I sent in the email, I have included all the investment links there for you. Yeah. So if Cool. you do plan to go and have a bit of a read over it, that is all in there for you. Now on the next page, page 17, you can then see the asset allocation outline. So you can see your risk profile aiming for around that 90 to 10 split. So 90 growth, 10 defensive. You can see your existing portfolio and then the proposed. So you can see that they are a little bit more allocated to your growth in the proposed before pretty much aligning with your risk profile. Mhmm. Does that make Yes. sense, Jack? Yeah.","start_word":1621,"end_word":1840,"sentiment":"neutral","sentiment_score":0.15540719005194578},{"text":"That's a good Yep. Perfect.","start_word":1841,"end_word":1845,"sentiment":"positive","sentiment_score":0.6538782119750977},{"text":"Now the last thing before I do let you go, it is just the remuneration again. So that is page 20. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure.","start_word":1846,"end_word":1885,"sentiment":"neutral","sentiment_score":0.15065084397792816},{"text":"It stays exactly the same at 1.1 from your super. So if it is that you are happy with the recommendation and you wanted to go ahead, there is no additional fees or charges at all. It is all part of that ongoing service for you.","start_word":1886,"end_word":1931,"sentiment":"positive","sentiment_score":0.3915483951568603},{"text":"Yeah.","start_word":1932,"end_word":1932,"sentiment":"neutral","sentiment_score":0.3207172453403473},{"text":"Cool. Yep. Perfect.","start_word":1933,"end_word":1935,"sentiment":"positive","sentiment_score":0.4072883725166321},{"text":"Now, Jack, do you have any questions for me, or what are your thoughts on these investment Yeah. changes?","start_word":1936,"end_word":1954,"sentiment":"neutral","sentiment_score":0.12667497992515564},{"text":"Those things are pretty good to me.","start_word":1955,"end_word":1961,"sentiment":"positive","sentiment_score":0.5112638473510742},{"text":"Yep. Yep. Just wanna follow that Perfect.","start_word":1962,"end_word":1968,"sentiment":"neutral","sentiment_score":0.2714042067527771},{"text":"risk profile and yeah. It's all sweet.","start_word":1969,"end_word":1975,"sentiment":"positive","sentiment_score":0.43858104944229126},{"text":"Yep.","start_word":1976,"end_word":1976,"sentiment":"neutral","sentiment_score":0.27512040734291077},{"text":"So Perfect.","start_word":1977,"end_word":1978,"sentiment":"positive","sentiment_score":0.4160290658473969},{"text":"the super inspector So, basically, was from saying here is if you are happy that to go ahead with Carol it, just Done I will it. just need Stuff. you yes. Exactly. Yep. I will just need you to add a little That's scribble, looking to the board together. I said, and like, you've got. it should automatically add the date as well. Yep And then when you press validate, it should then send it back to me. Yep.","start_word":1979,"end_word":2057,"sentiment":"neutral","sentiment_score":0.17909257113933563},{"text":"Perfect. I'll keep a little lookout for that.","start_word":2058,"end_word":2065,"sentiment":"positive","sentiment_score":0.4316912293434143},{"text":"And when it comes through, I will get the team notified, and we can go ahead and make those changes. But if you do have any questions at any point, just give me a call and let me know. Okay?","start_word":2066,"end_word":2105,"sentiment":"neutral","sentiment_score":0.19996760413050652},{"text":"Sweet. No worries. Cheers. Thanks for Not that. a problem Cheers at all. ahead Thank you of vacation. so much, Jack, Try and I it. will let All you good. go, and enjoy the rest of your day. Okay. You too. Beautiful. Alright. Thank you. See you later.","start_word":2106,"end_word":2153,"sentiment":"positive","sentiment_score":0.5406990647315979},{"text":"Bye. Bye.","start_word":2154,"end_word":2155,"sentiment":"neutral","sentiment_score":0.2226165235042572}],"average":{"sentiment":"neutral","sentiment_score":0.17253772096911746}}}}