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I had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, just like usual, 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, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. Now, Zoe, do you have access to your emails at the moment? Yep. Perfect. So what I have done is I have to send you an email with the the recommendation to go through. So I have done some research and made some recommendations on swapping a couple of things out for you just to improve your situation a little bit. So I do wanna just kind of go through those changes if you if you do have option to get that for me. Now when you do yes, please. So before you click on the link, I'll just let you know, but you can go and have a a read over this in your own time. You'll see a couple of attachments. A lot of it is just kind of like the appendix and where all the research and stuff goes. So with the investment recommendation changes I have made, if you would like to go and read on them a little bit more, that's all in the those supporting documents there for you. Otherwise, if you wanna click on the link where it says sign now, it will allow you to open up the document and view it before it prompts you to sign anything. Yep. Perfect. Yep. So just let me know if you can see that kind of cover page. Perfect. So every time we do make a a recommendation and any changes in the financial product, we do have to put everything in the statement of advice for you. So a lot of it is for compliances. There's 25 pages. I won't go through all of it. A lot of it is just quite wordy just to make sure that you completely understand everything. But I'll try to make it as quick as I can for you. At the end of the day, though, I've put together this strategy that I believe are best going to achieve your goals and your objectives. At the end of the day, it's just a recommendation. It's clearly up to you if you would like to go ahead with the change or not. Yep. Perfect. On the cover page, you will see that this has been obviously tailored to you. You will have my authorized representative number listed on the cover page as well, and I am licensed under OQ Financial. If you do wanna go to the second page for me, it just kind of talks a little bit about that best interest duty again. Do you remember what that's kind of in regards to? Yeah. Yeah. Perfect. As you kind of scroll through as well, if you want to go to page three for me, it can be four depending on the cover page, but it says scope over by. Yes. Perfect. Now this just basically focuses on the areas we are looking at today in today's statement of advice. So pretty straightforward, simply just focusing on your superannuation, making sure everything is set up correctly for you, trying to reduce fees a little bit, and trying to grow that as much as possible to make sure that when you do retire, you have as much as possible. Not making any changes in regards to insurances. Literally, just two pronunciations today. That all make sense? Yeah. Perfect. Now if you can keep scrolling through for me as well there, Zoe, you will see a page talking about you. Just some information from the fact line. Just have a quick read over it just to make sure that's all kind of up to date as well as your lifestyle assets and liabilities page on page six. Perfect. And then if you can go to page seven for me, it just shows you your current situation. So, obviously, you have your super in hub 24, which you can see here. And you do have the one path insurances listed underneath that as well, which I know we went through during the annual review, so I won't go through that much more with you. Otherwise, it takes us through your risk profile. Can you see where I'm up to at the moment? Yep. Perfect. So do you remember kind of talking about your risk profile and the level of fuck fluctuations or stuff that you're comfortable with in regards to your superannuation? Yep. Perfect. Not making any changes whatsoever in regards to your risk profile, keeping you in a high growth. You do have plenty of time until retirement to try to maximize that growth for you, so not making any changes in terms of the level of risk. So it's mainly just in regards to changing some of your investment. So as you scroll through, I have outlined the recommendation on page 10, and that is to remain in hub twenty four. And like I said, just change your investment. So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four. And kind of after doing some research, Hub twenty four still very much is a really good option for you. They're very competitive when it comes to fees and the features and investment choices, and I couldn't really find anything that was going to be more suited for you. So I have recommended that you stay in hub twenty four. Perfect. Now you will see kind of the recommendation how it's outlined in the best interest due to for you, as well as advantages, disadvantages, and risk. But I often find that going through the actual table makes it easier, especially with numbers and stuff. So if you can go to page 13 for me, you should see a fee comparison table. Yep. Perfect. So this basically breaks down the other couple of pages we'll just scroll through, just kind of in words as well to make it easy. But, basically, like, you can see here your current situation, your current super balance, as well as your total fees at the moment. You can see the total cost there as well as the five year rolling average on your current portfolio. So on the other side, with the recommended, you can see, like I said, remaining in hub twenty four, changing some of your investments. By doing that, you can actually see that you are saving about $393 a year in administration fees and investment fees mainly. So by swapping some of those investments out, it's actually making it a little bit cheaper for you per year, which is great. And you can also see that underneath that, you can see that five year rolling average. You can also see that the recommended portfolio has performed a little bit better historically than your current investment. And the five year rolling average on the recommended portfolio is 13.79. So about that 2.13% better than your current position. So overall, reducing fees and improving the returns, which will mean on the next page, page 14, you can then see kind of forecasted five and ten years for you. But with the compounding and everything, it does make a pretty big difference. Yep. Perfect. Now you can also see underneath that as well, 12, three years, and five years. And you can see as well specifically the three and five year that the recommended has outperformed. In the twelve month, your current one as well, some of your satellite investments at the moment have done really well. It's definitely a lot more fluctuations in it, though. So moving forward and stuff as well, we do wanna to swap out some of those underperforming in that. Yeah. Now I the four phase. Yes. Yep. Now on if you wanna scroll up for me actually to page 13 again, that projection table, I do wanna let you know as well. So on the top row where it says the balance, can you see that? Yep. So the the reason where why it is a bit of a difference a difference of $743, that is the estimated capital gains tax that will come out of your superannuation by making the investment change. So when you obviously are selling investments and you and you're professionally, you'll be pretty across all of that. But that's basically the estimated tax from the investment. So we try to always minimize that as much as possible. If we were to do a full sell down, just selling all your investments and change it out, it would be about 1,700. So, obviously, try to reduce that as much as possible by still kind of swapping out some some of those underperforming investments and swapping it through some other ones as well. Does that all make sense? Yeah. Perfect. Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy. We've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns. Disadvantages, obviously, the capital gains tax as well. And one of the risks to be mindful of is that there's always a level of risk associated with any investment option. Yep. Perfect. Now if you can then scroll down for me to the next page, which is page 15, it will then outline the investment changes for you. If you can see that. Yeah. Perfect. So you can see your investments on the first column, you can see the current weight allocation, what that represents in dollar volume, and then you can see the buy and sell column. So all the red is what we are selling, and then the black is what we are buying. You can see the target weight and then that how that correlates through the dollar value. But, essentially, we're not making a a massive change. Like I said, we're just swapping out some of those investments. They kind of underperformed a little bit. I'm trying to obviously make sure we diversify your portfolio really well and then have you in good position investments moving forward with especially everything going on in the world as well. So, basically, the changes we are doing, you can see the Benelon Australian Equities. That was the investment I mentioned last time that had kind of underperformed a little bit, which was the active component. And what we have done is we have swapped that to the BetaShares Australia two hundred. So this table just kind of splits across two pages because it's a little bit long, but you can see two investments on page 16 as well. So that is that BetaShares Australia two hundred. Can you see that? Yep. Perfect. And this one here basically invests in the 200 largest companies listed on the ASX. So you'll have companies like Commonwealth and BHB BHP and Woolworths, all the big companies still making sure we do wanna give you some of that Australian exposure. In terms of the the global equity, we are still retaining your iShares S and P 500 for you. We are just increasing the weight from 31.84% to 35. And then to give you more of that kind of glow global diversification, we have introduced 9% to the Europe market, 5% to Japan, and then 8% to Vanguard or Wells. But that one actually excludes The US because you already have exposure to The US in the iShares S and P 500. And we also wanna make sure you don't have too much into one specific industry or region or sector either. So we wanna make sure it's well with. Yeah. Does that all kind of make sense? Yeah. Perfect. We are kind of keeping your beta share service security as well for you, and swapping some, one of your investments, your defensive investments through another one that's a little bit cheaper and a little bit more stable for you as well. So all in all, no drastic changes. I'm just swapping a couple of those investments out for you. Do you have any questions in regards to any of those investments? Yeah. Perfect. We are keeping gold and stuff in your portfolio as well. It's done really well. Sorry. All all of the the main ones are are staying there for you. And how that's been reflected in the asset allocation, which is page 17. You can see that? Yep. Perfect. So as you can see, they are pretty closely related when it comes to the asset allocation component. In terms of the growth and defensive, it just kind of outlines that for you. But, yeah, both very much aligned with your risk profile. And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration. So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at all. It is all part of that ongoing advice fee, and that stays exactly the same at 1.65% from. So no additional charges or anything like that. Yep. Perfect. Do you have any questions in regards to that, or is that pretty straightforward? Yeah. Perfect. So, basically, from here, if you wanna obviously take some time and read through your document, you're more than welcome to do so. If not, if you do have a read through document, you have any other questions, just let me know while we can always book you in for a bit of a catch up to go through any questions. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, to move forward, all you have to do is just find those documents. I will then get notified, and I will let the team know that you're happy to go ahead with the change, and we can authorize that for you. Perfect. Now do you have any questions for me otherwise before I let you go and enjoy the rest of your afternoon? No? Yeah. For everything. Yes. Yes. It it definitely and that's also why we do focus so much on the diversification and also balancing some of those satellite investments with other ones. So there are certain periods of time where some have done really well, and that kind of then negates and work with other areas. So, you know, if there is a bit of fluctuation, which is always going to happen, the last twelve months have been quite a bit, but it does kind of then stable out across how your portfolio is constructed overall. Yeah. Perfect. Well, I will let you go, Zoe. Thank you so much for your time. Like I said, any questions, let me know. Otherwise, I'll keep a look at to see efax documents come through, and we can take it all from here. No problem at all. I'll forward to speaking with you soon again. Okay. 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afternoon, Zoe. This is Veronica from Financial. How are you? I'm good. Thanks.\n\nI had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, just like usual, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here.\n\nNow, Zoe, do you have access to your emails at the moment? Yep. Perfect. So what I have done is I have to send you an email with the the recommendation to go through. So I have done some research and made some recommendations on swapping a couple of things out for you just to improve your situation a little bit.\n\nSo I do wanna just kind of go through those changes if you if you do have option to get that for me. Now when you do yes, please. So before you click on the link, I'll just let you know, but you can go and have a a read over this in your own time. You'll see a couple of attachments. A lot of it is just kind of like the appendix and where all the research and stuff goes.\n\nSo with the investment recommendation changes I have made, if you would like to go and read on them a little bit more, that's all in the those supporting documents there for you. Otherwise, if you wanna click on the link where it says sign now, it will allow you to open up the document and view it before it prompts you to sign anything. Yep. Perfect. Yep.\n\nSo just let me know if you can see that kind of cover page. Perfect. So every time we do make a a recommendation and any changes in the financial product, we do have to put everything in the statement of advice for you. So a lot of it is for compliances. There's 25 pages.\n\nI won't go through all of it. A lot of it is just quite wordy just to make sure that you completely understand everything. But I'll try to make it as quick as I can for you. At the end of the day, though, I've put together this strategy that I believe are best going to achieve your goals and your objectives. At the end of the day, it's just a recommendation.\n\nIt's clearly up to you if you would like to go ahead with the change or not. Yep. Perfect. On the cover page, you will see that this has been obviously tailored to you. You will have my authorized representative number listed on the cover page as well, and I am licensed under OQ Financial.\n\nIf you do wanna go to the second page for me, it just kind of talks a little bit about that best interest duty again. Do you remember what that's kind of in regards to? Yeah. Yeah. Perfect.\n\nAs you kind of scroll through as well, if you want to go to page three for me, it can be four depending on the cover page, but it says scope over by. Yes. Perfect. Now this just basically focuses on the areas we are looking at today in today's statement of advice. So pretty straightforward, simply just focusing on your superannuation, making sure everything is set up correctly for you, trying to reduce fees a little bit, and trying to grow that as much as possible to make sure that when you do retire, you have as much as possible.\n\nNot making any changes in regards to insurances. Literally, just two pronunciations today. That all make sense? Yeah. Perfect.\n\nNow if you can keep scrolling through for me as well there, Zoe, you will see a page talking about you. Just some information from the fact line. Just have a quick read over it just to make sure that's all kind of up to date as well as your lifestyle assets and liabilities page on page six. Perfect. And then if you can go to page seven for me, it just shows you your current situation.\n\nSo, obviously, you have your super in hub 24, which you can see here. And you do have the one path insurances listed underneath that as well, which I know we went through during the annual review, so I won't go through that much more with you. Otherwise, it takes us through your risk profile. Can you see where I'm up to at the moment? Yep.\n\nPerfect. So do you remember kind of talking about your risk profile and the level of fuck fluctuations or stuff that you're comfortable with in regards to your superannuation? Yep. Perfect. Not making any changes whatsoever in regards to your risk profile, keeping you in a high growth.\n\nYou do have plenty of time until retirement to try to maximize that growth for you, so not making any changes in terms of the level of risk. So it's mainly just in regards to changing some of your investment. So as you scroll through, I have outlined the recommendation on page 10, and that is to remain in hub twenty four. And like I said, just change your investment. So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four.\n\nAnd kind of after doing some research, Hub twenty four still very much is a really good option for you. They're very competitive when it comes to fees and the features and investment choices, and I couldn't really find anything that was going to be more suited for you. So I have recommended that you stay in hub twenty four. Perfect. Now you will see kind of the recommendation how it's outlined in the best interest due to for you, as well as advantages, disadvantages, and risk.\n\nBut I often find that going through the actual table makes it easier, especially with numbers and stuff. So if you can go to page 13 for me, you should see a fee comparison table. Yep. Perfect. So this basically breaks down the other couple of pages we'll just scroll through, just kind of in words as well to make it easy.\n\nBut, basically, like, you can see here your current situation, your current super balance, as well as your total fees at the moment. You can see the total cost there as well as the five year rolling average on your current portfolio. So on the other side, with the recommended, you can see, like I said, remaining in hub twenty four, changing some of your investments. By doing that, you can actually see that you are saving about $393 a year in administration fees and investment fees mainly. So by swapping some of those investments out, it's actually making it a little bit cheaper for you per year, which is great.\n\nAnd you can also see that underneath that, you can see that five year rolling average. You can also see that the recommended portfolio has performed a little bit better historically than your current investment. And the five year rolling average on the recommended portfolio is 13.79. So about that 2.13% better than your current position. So overall, reducing fees and improving the returns, which will mean on the next page, page 14, you can then see kind of forecasted five and ten years for you.\n\nBut with the compounding and everything, it does make a pretty big difference. Yep. Perfect. Now you can also see underneath that as well, 12, three years, and five years. And you can see as well specifically the three and five year that the recommended has outperformed.\n\nIn the twelve month, your current one as well, some of your satellite investments at the moment have done really well. It's definitely a lot more fluctuations in it, though. So moving forward and stuff as well, we do wanna to swap out some of those underperforming in that. Yeah. Now I the four phase.\n\nYes. Yep. Now on if you wanna scroll up for me actually to page 13 again, that projection table, I do wanna let you know as well. So on the top row where it says the balance, can you see that? Yep.\n\nSo the the reason where why it is a bit of a difference a difference of $743, that is the estimated capital gains tax that will come out of your superannuation by making the investment change. So when you obviously are selling investments and you and you're professionally, you'll be pretty across all of that. But that's basically the estimated tax from the investment. So we try to always minimize that as much as possible. If we were to do a full sell down, just selling all your investments and change it out, it would be about 1,700.\n\nSo, obviously, try to reduce that as much as possible by still kind of swapping out some some of those underperforming investments and swapping it through some other ones as well. Does that all make sense? Yeah. Perfect. Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy.\n\nWe've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns. Disadvantages, obviously, the capital gains tax as well. And one of the risks to be mindful of is that there's always a level of risk associated with any investment option. Yep. Perfect.\n\nNow if you can then scroll down for me to the next page, which is page 15, it will then outline the investment changes for you. If you can see that. Yeah. Perfect. So you can see your investments on the first column, you can see the current weight allocation, what that represents in dollar volume, and then you can see the buy and sell column.\n\nSo all the red is what we are selling, and then the black is what we are buying. You can see the target weight and then that how that correlates through the dollar value. But, essentially, we're not making a a massive change. Like I said, we're just swapping out some of those investments. They kind of underperformed a little bit.\n\nI'm trying to obviously make sure we diversify your portfolio really well and then have you in good position investments moving forward with especially everything going on in the world as well. So, basically, the changes we are doing, you can see the Benelon Australian Equities. That was the investment I mentioned last time that had kind of underperformed a little bit, which was the active component. And what we have done is we have swapped that to the BetaShares Australia two hundred. So this table just kind of splits across two pages because it's a little bit long, but you can see two investments on page 16 as well.\n\nSo that is that BetaShares Australia two hundred. Can you see that? Yep. Perfect. And this one here basically invests in the 200 largest companies listed on the ASX.\n\nSo you'll have companies like Commonwealth and BHB BHP and Woolworths, all the big companies still making sure we do wanna give you some of that Australian exposure. In terms of the the global equity, we are still retaining your iShares S and P 500 for you. We are just increasing the weight from 31.84% to 35. And then to give you more of that kind of glow global diversification, we have introduced 9% to the Europe market, 5% to Japan, and then 8% to Vanguard or Wells. But that one actually excludes The US because you already have exposure to The US in the iShares S and P 500.\n\nAnd we also wanna make sure you don't have too much into one specific industry or region or sector either. So we wanna make sure it's well with. Yeah. Does that all kind of make sense? Yeah.\n\nPerfect. We are kind of keeping your beta share service security as well for you, and swapping some, one of your investments, your defensive investments through another one that's a little bit cheaper and a little bit more stable for you as well. So all in all, no drastic changes. I'm just swapping a couple of those investments out for you. Do you have any questions in regards to any of those investments?\n\nYeah. Perfect. We are keeping gold and stuff in your portfolio as well. It's done really well. Sorry.\n\nAll all of the the main ones are are staying there for you. And how that's been reflected in the asset allocation, which is page 17. You can see that? Yep. Perfect.\n\nSo as you can see, they are pretty closely related when it comes to the asset allocation component. In terms of the growth and defensive, it just kind of outlines that for you. But, yeah, both very much aligned with your risk profile. And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration. So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at all.\n\nIt is all part of that ongoing advice fee, and that stays exactly the same at 1.65% from. So no additional charges or anything like that. Yep. Perfect. Do you have any questions in regards to that, or is that pretty straightforward?\n\nYeah. Perfect. So, basically, from here, if you wanna obviously take some time and read through your document, you're more than welcome to do so. If not, if you do have a read through document, you have any other questions, just let me know while we can always book you in for a bit of a catch up to go through any questions. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, to move forward, all you have to do is just find those documents.\n\nI will then get notified, and I will let the team know that you're happy to go ahead with the change, and we can authorize that for you. Perfect. Now do you have any questions for me otherwise before I let you go and enjoy the rest of your afternoon? No? Yeah.\n\nFor everything. Yes. Yes. It it definitely and that's also why we do focus so much on the diversification and also balancing some of those satellite investments with other ones. So there are certain periods of time where some have done really well, and that kind of then negates and work with other areas.\n\nSo, you know, if there is a bit of fluctuation, which is always going to happen, the last twelve months have been quite a bit, but it does kind of then stable out across how your portfolio is constructed overall. Yeah. Perfect. Well, I will let you go, Zoe. Thank you so much for your time.\n\nLike I said, any questions, let me know. Otherwise, I'll keep a look at to see efax documents come through, and we can take it all from here. No problem at all. I'll forward to speaking with you soon again. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Zoe.","start":2.32,"end":3.28,"sentiment":"positive","sentiment_score":0.3461314340432485},{"text":"This is Veronica from Financial.","start":3.28,"end":4.74,"sentiment":"neutral","sentiment_score":0.23683568239212036},{"text":"How are you?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.18321694433689117},{"text":"I'm good.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.5430513024330139},{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.6107333898544312}],"sentiment":"neutral","sentiment_score":0.31921853870153427,"num_words":14,"start":2.32,"end":9.059999},{"sentences":[{"text":"I had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment.","start":9.84,"end":17.074999,"sentiment":"neutral","sentiment_score":0.2998978719115257},{"text":"Is now still a good time for you?","start":17.295,"end":18.994999,"sentiment":"neutral","sentiment_score":0.2714984454214573},{"text":"Yeah.","start":19.935,"end":20.335,"sentiment":"neutral","sentiment_score":0.19417133927345276},{"text":"Perfect.","start":20.335,"end":20.835,"sentiment":"neutral","sentiment_score":0.3028036952018738},{"text":"Now just before I do go any further, just like usual, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay.","start":21.135,"end":28.195,"sentiment":"neutral","sentiment_score":0.06765707780141383}],"sentiment":"neutral","sentiment_score":0.18229603050558857,"num_words":66,"start":9.84,"end":28.195},{"sentences":[{"text":"Perfect.","start":29.960001,"end":30.460001,"sentiment":"neutral","sentiment_score":0.16916516423225403},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.76,"end":36.78,"sentiment":"neutral","sentiment_score":0.07880592503799842},{"text":"Yep.","start":43.335,"end":43.575,"sentiment":"neutral","sentiment_score":0.14111214876174927},{"text":"Perfect.","start":43.575,"end":43.975,"sentiment":"positive","sentiment_score":0.3924856185913086},{"text":"That's exactly what I have here.","start":43.975,"end":45.755,"sentiment":"positive","sentiment_score":0.45177923639615375}],"sentiment":"neutral","sentiment_score":0.15606835431286267,"num_words":35,"start":29.960001,"end":45.755},{"sentences":[{"text":"Now, Zoe, do you have access to your emails at the moment?","start":46.375,"end":48.955,"sentiment":"neutral","sentiment_score":0.04582405307640632},{"text":"Yep.","start":50.375,"end":50.775,"sentiment":"neutral","sentiment_score":0.13060984015464783},{"text":"Perfect.","start":50.775,"end":51.255,"sentiment":"neutral","sentiment_score":0.2816091477870941},{"text":"So what I have done is I have to send you an email with the the recommendation to go through.","start":51.255,"end":57.5,"sentiment":"neutral","sentiment_score":0.18374543264508247},{"text":"So I have done some research and made some recommendations on swapping a couple of things out for you just to improve your situation a little bit.","start":57.5,"end":66.14,"sentiment":"neutral","sentiment_score":0.15615815144998055}],"sentiment":"neutral","sentiment_score":0.14513584208048758,"num_words":61,"start":46.375,"end":66.14},{"sentences":[{"text":"So I do wanna just kind of go through those changes if you if you do have option to get that for me.","start":66.14,"end":73.875,"sentiment":"neutral","sentiment_score":0.10622735127158787},{"text":"Now when you do yes, please.","start":73.875,"end":78.115,"sentiment":"neutral","sentiment_score":0.08125673979520798},{"text":"So before you click on the link, I'll just let you know, but you can go and have a a read over this in your own time.","start":78.115,"end":84.115005,"sentiment":"neutral","sentiment_score":0.0914539856215318},{"text":"You'll see a couple of attachments.","start":84.115005,"end":85.575,"sentiment":"neutral","sentiment_score":0.07865125561753909},{"text":"A lot of it is just kind of like the appendix and where all the research and stuff goes.","start":86.1,"end":90.58,"sentiment":"neutral","sentiment_score":0.06925381935740772}],"sentiment":"neutral","sentiment_score":0.08873774359623592,"num_words":81,"start":66.14,"end":90.58},{"sentences":[{"text":"So with the investment recommendation changes I have made, if you would like to go and read on them a little bit more, that's all in the those supporting documents there for you.","start":90.58,"end":100.36,"sentiment":"neutral","sentiment_score":0.13205057134230933},{"text":"Otherwise, if you wanna click on the link where it says sign now, it will allow you to open up the document and view it before it prompts you to sign anything.","start":101.995,"end":109.535,"sentiment":"neutral","sentiment_score":0.12239710229914635},{"text":"Yep.","start":111.035,"end":111.435,"sentiment":"neutral","sentiment_score":0.2064240276813507},{"text":"Perfect.","start":111.435,"end":111.935,"sentiment":"positive","sentiment_score":0.3942631483078003},{"text":"Yep.","start":112.475,"end":112.795,"sentiment":"neutral","sentiment_score":0.15424305200576782}],"sentiment":"neutral","sentiment_score":0.1327839169979972,"num_words":68,"start":90.58,"end":112.795},{"sentences":[{"text":"So just let me know if you can see that kind of cover page.","start":112.795,"end":115.535,"sentiment":"neutral","sentiment_score":0.08057495871824878},{"text":"Perfect.","start":117.229996,"end":117.729996,"sentiment":"positive","sentiment_score":0.5960970520973206},{"text":"So every time we do make a a recommendation and any changes in the financial product, we do have to put everything in the statement of advice for you.","start":117.869995,"end":125.229996,"sentiment":"neutral","sentiment_score":0.24822511241353792},{"text":"So a lot of it is for compliances.","start":125.229996,"end":126.93,"sentiment":"neutral","sentiment_score":0.09067453164607286},{"text":"There's 25 pages.","start":127.55,"end":128.83,"sentiment":"neutral","sentiment_score":-0.019870056460301082}],"sentiment":"neutral","sentiment_score":0.17433565123514697,"num_words":55,"start":112.795,"end":128.83},{"sentences":[{"text":"I won't go through all of it.","start":128.83,"end":130.27,"sentiment":"neutral","sentiment_score":-0.06514488213828631},{"text":"A lot of it is just quite wordy just to make sure that you completely understand everything.","start":130.27,"end":134.245,"sentiment":"neutral","sentiment_score":-0.09395754074349123},{"text":"But I'll try to make it as quick as I can for you.","start":134.94499,"end":137.845,"sentiment":"neutral","sentiment_score":0.22020617356667152},{"text":"At the end of the day, though, I've put together this strategy that I believe are best going to achieve your goals and your objectives.","start":138.385,"end":144.165,"sentiment":"positive","sentiment_score":0.5093505054712295},{"text":"At the end of the day, it's just a recommendation.","start":144.225,"end":146.245,"sentiment":"neutral","sentiment_score":0.18860862851142884}],"sentiment":"neutral","sentiment_score":0.21429495570353335,"num_words":72,"start":128.83,"end":146.245},{"sentences":[{"text":"It's clearly up to you if you would like to go ahead with the change or not.","start":146.385,"end":149.76,"sentiment":"neutral","sentiment_score":0.1619365451967015},{"text":"Yep.","start":151.81999,"end":152.31999,"sentiment":"positive","sentiment_score":0.33739835023880005},{"text":"Perfect.","start":152.37999,"end":152.86,"sentiment":"positive","sentiment_score":0.6024967432022095},{"text":"On the cover page, you will see that this has been obviously tailored to you.","start":152.86,"end":156.56,"sentiment":"neutral","sentiment_score":0.30874522825082146},{"text":"You will have my authorized representative number listed on the cover page as well, and I am licensed under OQ Financial.","start":156.7,"end":163.295,"sentiment":"neutral","sentiment_score":0.19353174418210983}],"sentiment":"neutral","sentiment_score":0.2252392984249375,"num_words":55,"start":146.385,"end":163.295},{"sentences":[{"text":"If you do wanna go to the second page for me, it just kind of talks a little bit about that best interest duty again.","start":164.395,"end":170.735,"sentiment":"neutral","sentiment_score":0.11942241087555885},{"text":"Do you remember what that's kind of in regards to?","start":171.195,"end":174.175,"sentiment":"neutral","sentiment_score":0.03175753727555275},{"text":"Yeah.","start":176.17,"end":176.33,"sentiment":"neutral","sentiment_score":0.185301274061203},{"text":"Yeah.","start":176.33,"end":176.73,"sentiment":"neutral","sentiment_score":0.25541192293167114},{"text":"Perfect.","start":176.73,"end":177.23,"sentiment":"positive","sentiment_score":0.4058796465396881}],"sentiment":"neutral","sentiment_score":0.1092033812678174,"num_words":38,"start":164.395,"end":177.23},{"sentences":[{"text":"As you kind of scroll through as well, if you want to go to page three for me, it can be four depending on the cover page, but it says scope over by.","start":178.41,"end":188.91,"sentiment":"neutral","sentiment_score":0.07725451931808934},{"text":"Yes.","start":190.33499,"end":190.735,"sentiment":"neutral","sentiment_score":0.1550067663192749},{"text":"Perfect.","start":190.735,"end":191.235,"sentiment":"positive","sentiment_score":0.3897857069969177},{"text":"Now this just basically focuses on the areas we are looking at today in today's statement of advice.","start":191.775,"end":198.19499,"sentiment":"neutral","sentiment_score":0.23943818152313018},{"text":"So pretty straightforward, simply just focusing on your superannuation, making sure everything is set up correctly for you, trying to reduce fees a little bit, and trying to grow that as much as possible to make sure that when you do retire, you have as much as possible.","start":198.495,"end":212.87001,"sentiment":"positive","sentiment_score":0.6042763677736124}],"sentiment":"positive","sentiment_score":0.3604885597164641,"num_words":101,"start":178.41,"end":212.87001},{"sentences":[{"text":"Not making any changes in regards to insurances.","start":213.73001,"end":216.31,"sentiment":"neutral","sentiment_score":-0.14852088037878275},{"text":"Literally, just two pronunciations today.","start":216.77,"end":219.025,"sentiment":"neutral","sentiment_score":0.04481096267700195},{"text":"That all make sense?","start":220.28499,"end":221.345,"sentiment":"neutral","sentiment_score":0.18912144005298615},{"text":"Yeah.","start":222.36499,"end":222.86499,"sentiment":"positive","sentiment_score":0.3454545736312866},{"text":"Perfect.","start":222.92499,"end":223.42499,"sentiment":"positive","sentiment_score":0.5695515871047974}],"sentiment":"neutral","sentiment_score":0.037230510068567174,"num_words":19,"start":213.73001,"end":223.42499},{"sentences":[{"text":"Now if you can keep scrolling through for me as well there, Zoe, you will see a page talking about you.","start":224.28499,"end":230.86499,"sentiment":"positive","sentiment_score":0.33972102403640747},{"text":"Just some information from the fact line.","start":231.2,"end":233.44,"sentiment":"neutral","sentiment_score":0.28041328702654156},{"text":"Just have a quick read over it just to make sure that's all kind of up to date as well as your lifestyle assets and liabilities page on page six.","start":233.44,"end":242.58,"sentiment":"neutral","sentiment_score":0.29814924200375875},{"text":"Perfect.","start":245.53499,"end":246.03499,"sentiment":"positive","sentiment_score":0.45571422576904297},{"text":"And then if you can go to page seven for me, it just shows you your current situation.","start":246.415,"end":253.31499,"sentiment":"neutral","sentiment_score":0.23305535233683056}],"sentiment":"neutral","sentiment_score":0.29470418625837796,"num_words":77,"start":224.28499,"end":253.31499},{"sentences":[{"text":"So, obviously, you have your super in hub 24, which you can see here.","start":253.69499,"end":257.6,"sentiment":"neutral","sentiment_score":0.2312746516295842},{"text":"And you do have the one path insurances listed underneath that as well, which I know we went through during the annual review, so I won't go through that much more with you.","start":257.6,"end":265.94,"sentiment":"neutral","sentiment_score":0.20348171799471884},{"text":"Otherwise, it takes us through your risk profile.","start":267.12,"end":269.62,"sentiment":"neutral","sentiment_score":0.04312104918062687},{"text":"Can you see where I'm up to at the moment?","start":270.0,"end":271.86,"sentiment":"neutral","sentiment_score":0.05255786441266537},{"text":"Yep.","start":272.845,"end":273.32498,"sentiment":"neutral","sentiment_score":0.10070838779211044}],"sentiment":"neutral","sentiment_score":0.16551510972732847,"num_words":66,"start":253.69499,"end":273.32498},{"sentences":[{"text":"Perfect.","start":273.32498,"end":273.82498,"sentiment":"neutral","sentiment_score":0.2777807116508484},{"text":"So do you remember kind of talking about your risk profile and the level of fuck fluctuations or stuff that you're comfortable with in regards to your superannuation?","start":274.04498,"end":281.50497,"sentiment":"neutral","sentiment_score":-0.02890398113855294},{"text":"Yep.","start":282.525,"end":283.00497,"sentiment":"neutral","sentiment_score":0.15261881053447723},{"text":"Perfect.","start":283.00497,"end":283.50497,"sentiment":"positive","sentiment_score":0.36000823974609375},{"text":"Not making any changes whatsoever in regards to your risk profile, keeping you in a high growth.","start":283.72498,"end":288.62,"sentiment":"neutral","sentiment_score":0.093183374580215}],"sentiment":"neutral","sentiment_score":0.032608617873241506,"num_words":48,"start":273.32498,"end":288.62},{"sentences":[{"text":"You do have plenty of time until retirement to try to maximize that growth for you, so not making any changes in terms of the level of risk.","start":288.92,"end":296.92,"sentiment":"neutral","sentiment_score":0.17429138054805143},{"text":"So it's mainly just in regards to changing some of your investment.","start":296.92,"end":301.18,"sentiment":"neutral","sentiment_score":0.0842074944327275},{"text":"So as you scroll through, I have outlined the recommendation on page 10, and that is to remain in hub twenty four.","start":302.41498,"end":310.51498,"sentiment":"neutral","sentiment_score":0.17458613183010707},{"text":"And like I said, just change your investment.","start":310.655,"end":312.675,"sentiment":"neutral","sentiment_score":0.11180632637115195},{"text":"So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four.","start":312.735,"end":324.34,"sentiment":"neutral","sentiment_score":0.15134492818088757}],"sentiment":"neutral","sentiment_score":0.15162929538720554,"num_words":112,"start":288.92,"end":324.34},{"sentences":[{"text":"And kind of after doing some research, Hub twenty four still very much is a really good option for you.","start":324.88,"end":330.605,"sentiment":"positive","sentiment_score":0.6026335850358009},{"text":"They're very competitive when it comes to fees and the features and investment choices, and I couldn't really find anything that was going to be more suited for you.","start":330.605,"end":338.845,"sentiment":"positive","sentiment_score":0.40659559852090377},{"text":"So I have recommended that you stay in hub twenty four.","start":338.845,"end":341.76,"sentiment":"neutral","sentiment_score":0.3046840185468847},{"text":"Perfect.","start":344.24002,"end":344.74002,"sentiment":"positive","sentiment_score":0.4733929932117462},{"text":"Now you will see kind of the recommendation how it's outlined in the best interest due to for you, as well as advantages, disadvantages, and risk.","start":344.96002,"end":354.945,"sentiment":"neutral","sentiment_score":0.23926382999007517}],"sentiment":"positive","sentiment_score":0.3895370210895593,"num_words":87,"start":324.88,"end":354.945},{"sentences":[{"text":"But I often find that going through the actual table makes it easier, especially with numbers and stuff.","start":354.945,"end":360.86502,"sentiment":"neutral","sentiment_score":0.23926430526706907},{"text":"So if you can go to page 13 for me, you should see a fee comparison table.","start":360.86502,"end":366.64502,"sentiment":"neutral","sentiment_score":0.12285392293158699},{"text":"Yep.","start":368.96,"end":369.36,"sentiment":"neutral","sentiment_score":0.22177985310554504},{"text":"Perfect.","start":369.36,"end":369.86,"sentiment":"positive","sentiment_score":0.40306952595710754},{"text":"So this basically breaks down the other couple of pages we'll just scroll through, just kind of in words as well to make it easy.","start":370.0,"end":376.81998,"sentiment":"neutral","sentiment_score":0.26610678553581235}],"sentiment":"neutral","sentiment_score":0.22052892261455137,"num_words":62,"start":354.945,"end":376.81998},{"sentences":[{"text":"But, basically, like, you can see here your current situation, your current super balance, as well as your total fees at the moment.","start":377.03998,"end":384.775,"sentiment":"neutral","sentiment_score":0.1516767221948375},{"text":"You can see the total cost there as well as the five year rolling average on your current portfolio.","start":385.235,"end":392.29498,"sentiment":"neutral","sentiment_score":0.1441390486924272},{"text":"So on the other side, with the recommended, you can see, like I said, remaining in hub twenty four, changing some of your investments.","start":393.56998,"end":401.99,"sentiment":"neutral","sentiment_score":0.24160736488799253},{"text":"By doing that, you can actually see that you are saving about $393 a year in administration fees and investment fees mainly.","start":402.44998,"end":412.655,"sentiment":"positive","sentiment_score":0.40152456814592535},{"text":"So by swapping some of those investments out, it's actually making it a little bit cheaper for you per year, which is great.","start":413.275,"end":419.455,"sentiment":"positive","sentiment_score":0.5109362200550411}],"sentiment":"neutral","sentiment_score":0.29379150318401354,"num_words":111,"start":377.03998,"end":419.455},{"sentences":[{"text":"And you can also see that underneath that, you can see that five year rolling average.","start":420.96,"end":426.1,"sentiment":"neutral","sentiment_score":0.2336987555027008},{"text":"You can also see that the recommended portfolio has performed a little bit better historically than your current investment.","start":426.24,"end":433.06,"sentiment":"neutral","sentiment_score":0.2864603266904229},{"text":"And the five year rolling average on the recommended portfolio is 13.79.","start":433.905,"end":439.745,"sentiment":"neutral","sentiment_score":0.2761835443476836},{"text":"So about that 2.13% better than your current position.","start":439.745,"end":444.00497,"sentiment":"neutral","sentiment_score":0.27349407970905304},{"text":"So overall, reducing fees and improving the returns, which will mean on the next page, page 14, you can then see kind of forecasted five and ten years for you.","start":446.05,"end":458.15,"sentiment":"positive","sentiment_score":0.34177422523498535}],"sentiment":"neutral","sentiment_score":0.2931488639740057,"num_words":86,"start":420.96,"end":458.15},{"sentences":[{"text":"But with the compounding and everything, it does make a pretty big difference.","start":458.21,"end":463.195,"sentiment":"neutral","sentiment_score":0.13473389011162978},{"text":"Yep.","start":463.195,"end":463.515,"sentiment":"positive","sentiment_score":0.3560348153114319},{"text":"Perfect.","start":463.515,"end":464.015,"sentiment":"positive","sentiment_score":0.6330561637878418},{"text":"Now you can also see underneath that as well, 12, three years, and five years.","start":464.475,"end":470.89502,"sentiment":"positive","sentiment_score":0.3390130788087845},{"text":"And you can see as well specifically the three and five year that the recommended has outperformed.","start":471.67502,"end":477.73,"sentiment":"positive","sentiment_score":0.48708200630019693}],"sentiment":"positive","sentiment_score":0.34268557105926756,"num_words":47,"start":458.21,"end":477.73},{"sentences":[{"text":"In the twelve month, your current one as well, some of your satellite investments at the moment have done really well.","start":478.35,"end":484.45,"sentiment":"positive","sentiment_score":0.39194615681966144},{"text":"It's definitely a lot more fluctuations in it, though.","start":484.91,"end":488.53,"sentiment":"neutral","sentiment_score":-0.19657694465584225},{"text":"So moving forward and stuff as well, we do wanna to swap out some of those underperforming in that.","start":489.165,"end":495.665,"sentiment":"neutral","sentiment_score":-0.05707283631751412},{"text":"Yeah.","start":497.405,"end":497.905,"sentiment":"neutral","sentiment_score":0.0522233322262764},{"text":"Now I the four phase.","start":498.04498,"end":505.58002,"sentiment":"neutral","sentiment_score":0.03742531053721905}],"sentiment":"neutral","sentiment_score":0.1021207779307257,"num_words":55,"start":478.35,"end":505.58002},{"sentences":[{"text":"Yes.","start":505.58002,"end":506.08002,"sentiment":"neutral","sentiment_score":0.09783104062080385},{"text":"Yep.","start":507.42,"end":507.92,"sentiment":"neutral","sentiment_score":0.1065489575266838},{"text":"Now on if you wanna scroll up for me actually to page 13 again, that projection table, I do wanna let you know as well.","start":508.62003,"end":517.99506,"sentiment":"neutral","sentiment_score":0.06889295220375061},{"text":"So on the top row where it says the balance, can you see that?","start":517.99506,"end":521.455,"sentiment":"neutral","sentiment_score":0.035205667173223834},{"text":"Yep.","start":522.715,"end":523.215,"sentiment":"neutral","sentiment_score":0.04822969064116478}],"sentiment":"neutral","sentiment_score":0.05875744843589408,"num_words":42,"start":505.58002,"end":523.215},{"sentences":[{"text":"So the the reason where why it is a bit of a difference a difference of $743, that is the estimated capital gains tax that will come out of your superannuation by making the investment change.","start":523.275,"end":537.85004,"sentiment":"neutral","sentiment_score":-0.013126292162471347},{"text":"So when you obviously are selling investments and you and you're professionally, you'll be pretty across all of that.","start":538.31,"end":544.13495,"sentiment":"neutral","sentiment_score":0.015578425440349077},{"text":"But that's basically the estimated tax from the investment.","start":544.595,"end":547.735,"sentiment":"neutral","sentiment_score":-0.01548774595398249},{"text":"So we try to always minimize that as much as possible.","start":547.795,"end":550.935,"sentiment":"neutral","sentiment_score":0.019941788844086906},{"text":"If we were to do a full sell down, just selling all your investments and change it out, it would be about 1,700.","start":551.795,"end":558.39996,"sentiment":"neutral","sentiment_score":0.008377178045718567}],"sentiment":"neutral","sentiment_score":0.0009804961660031077,"num_words":98,"start":523.275,"end":558.39996},{"sentences":[{"text":"So, obviously, try to reduce that as much as possible by still kind of swapping out some some of those underperforming investments and swapping it through some other ones as well.","start":558.94,"end":569.085,"sentiment":"neutral","sentiment_score":0.08839836031679184},{"text":"Does that all make sense?","start":570.04504,"end":571.265,"sentiment":"neutral","sentiment_score":0.12595511674880983},{"text":"Yeah.","start":572.36505,"end":572.84503,"sentiment":"neutral","sentiment_score":0.17391830682754517},{"text":"Perfect.","start":572.84503,"end":573.34503,"sentiment":"neutral","sentiment_score":0.05656437203288078},{"text":"Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy.","start":574.685,"end":585.2,"sentiment":"neutral","sentiment_score":0.0199590080207394}],"sentiment":"neutral","sentiment_score":0.061149806971999184,"num_words":69,"start":558.94,"end":585.2},{"sentences":[{"text":"We've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns.","start":585.66,"end":594.0,"sentiment":"neutral","sentiment_score":0.15150748525300753},{"text":"Disadvantages, obviously, the capital gains tax as well.","start":594.7,"end":598.72,"sentiment":"negative","sentiment_score":-0.4704817198216915},{"text":"And one of the risks to be mindful of is that there's always a level of risk associated with any investment option.","start":599.76495,"end":606.345,"sentiment":"negative","sentiment_score":-0.39304577288302506},{"text":"Yep.","start":608.08496,"end":608.485,"sentiment":"neutral","sentiment_score":0.1260659098625183},{"text":"Perfect.","start":608.485,"end":608.985,"sentiment":"positive","sentiment_score":0.4519006013870239}],"sentiment":"neutral","sentiment_score":-0.15178585618057033,"num_words":55,"start":585.66,"end":608.985},{"sentences":[{"text":"Now if you can then scroll down for me to the next page, which is page 15, it will then outline the investment changes for you.","start":610.40497,"end":619.43,"sentiment":"neutral","sentiment_score":0.1987753931719523},{"text":"If you can see that.","start":622.52997,"end":623.25,"sentiment":"neutral","sentiment_score":0.10792648643255234},{"text":"Yeah.","start":623.25,"end":623.49,"sentiment":"neutral","sentiment_score":0.2267075777053833},{"text":"Perfect.","start":623.49,"end":623.97,"sentiment":"positive","sentiment_score":0.4273145794868469},{"text":"So you can see your investments on the first column, you can see the current weight allocation, what that represents in dollar volume, and then you can see the buy and sell column.","start":623.97,"end":636.08496,"sentiment":"neutral","sentiment_score":0.19403810731389307}],"sentiment":"neutral","sentiment_score":0.19341018716945793,"num_words":66,"start":610.40497,"end":636.08496},{"sentences":[{"text":"So all the red is what we are selling, and then the black is what we are buying.","start":637.185,"end":641.48,"sentiment":"neutral","sentiment_score":0.1290496467716164},{"text":"You can see the target weight and then that how that correlates through the dollar value.","start":641.62,"end":646.12,"sentiment":"neutral","sentiment_score":0.1191853522323072},{"text":"But, essentially, we're not making a a massive change.","start":646.9,"end":650.1,"sentiment":"neutral","sentiment_score":-0.1624105241563585},{"text":"Like I said, we're just swapping out some of those investments.","start":650.1,"end":652.84,"sentiment":"neutral","sentiment_score":-0.09960430995984511},{"text":"They kind of underperformed a little bit.","start":653.525,"end":655.60504,"sentiment":"neutral","sentiment_score":-0.2554886724267687}],"sentiment":"neutral","sentiment_score":-0.0019000583007687433,"num_words":61,"start":637.185,"end":655.60504},{"sentences":[{"text":"I'm trying to obviously make sure we diversify your portfolio really well and then have you in good position investments moving forward with especially everything going on in the world as well.","start":655.60504,"end":665.765,"sentiment":"positive","sentiment_score":0.34481020807288587},{"text":"So, basically, the changes we are doing, you can see the Benelon Australian Equities.","start":665.765,"end":671.94,"sentiment":"neutral","sentiment_score":0.07000005005725793},{"text":"That was the investment I mentioned last time that had kind of underperformed a little bit, which was the active component.","start":672.08,"end":678.18,"sentiment":"neutral","sentiment_score":-0.038955154296542914},{"text":"And what we have done is we have swapped that to the BetaShares Australia two hundred.","start":679.365,"end":684.825,"sentiment":"neutral","sentiment_score":0.07140655675902963},{"text":"So this table just kind of splits across two pages because it's a little bit long, but you can see two investments on page 16 as well.","start":684.885,"end":693.33,"sentiment":"neutral","sentiment_score":0.06587144221972537}],"sentiment":"neutral","sentiment_score":0.12833548151803287,"num_words":110,"start":655.60504,"end":693.33},{"sentences":[{"text":"So that is that BetaShares Australia two hundred.","start":694.05,"end":696.69,"sentiment":"neutral","sentiment_score":0.07540769409388304},{"text":"Can you see that?","start":696.69,"end":697.67004,"sentiment":"neutral","sentiment_score":0.08609272167086601},{"text":"Yep.","start":699.09,"end":699.41003,"sentiment":"neutral","sentiment_score":0.13242533802986145},{"text":"Perfect.","start":699.41003,"end":699.91003,"sentiment":"neutral","sentiment_score":0.09100604057312012},{"text":"And this one here basically invests in the 200 largest companies listed on the ASX.","start":700.21,"end":704.87,"sentiment":"neutral","sentiment_score":0.07924611667792002}],"sentiment":"neutral","sentiment_score":0.08137088166228656,"num_words":29,"start":694.05,"end":704.87},{"sentences":[{"text":"So you'll have companies like Commonwealth and BHB BHP and Woolworths, all the big companies still making sure we do wanna give you some of that Australian exposure.","start":704.93,"end":713.95496,"sentiment":"neutral","sentiment_score":0.13386113808623382},{"text":"In terms of the the global equity, we are still retaining your iShares S and P 500 for you.","start":715.45496,"end":721.795,"sentiment":"neutral","sentiment_score":0.10588459356835014},{"text":"We are just increasing the weight from 31.84% to 35.","start":722.42,"end":727.8,"sentiment":"neutral","sentiment_score":0.15062815994024276},{"text":"And then to give you more of that kind of glow global diversification, we have introduced 9% to the Europe market, 5% to Japan, and then 8% to Vanguard or Wells.","start":728.82,"end":742.285,"sentiment":"neutral","sentiment_score":0.14748287224961865},{"text":"But that one actually excludes The US because you already have exposure to The US in the iShares S and P 500.","start":742.825,"end":750.125,"sentiment":"neutral","sentiment_score":0.013149564916437323}],"sentiment":"neutral","sentiment_score":0.11024963828650387,"num_words":110,"start":704.93,"end":750.125},{"sentences":[{"text":"And we also wanna make sure you don't have too much into one specific industry or region or sector either.","start":750.38,"end":756.77997,"sentiment":"neutral","sentiment_score":0.01337831849232316},{"text":"So we wanna make sure it's well with.","start":756.77997,"end":758.56,"sentiment":"neutral","sentiment_score":0.052832694724202156},{"text":"Yeah.","start":760.38,"end":760.62,"sentiment":"neutral","sentiment_score":0.06892068684101105},{"text":"Does that all kind of make sense?","start":760.62,"end":762.16,"sentiment":"neutral","sentiment_score":0.08805350906082562},{"text":"Yeah.","start":763.355,"end":763.755,"sentiment":"neutral","sentiment_score":0.28994208574295044}],"sentiment":"neutral","sentiment_score":0.04501257469323841,"num_words":37,"start":750.38,"end":763.755},{"sentences":[{"text":"Perfect.","start":763.755,"end":764.255,"sentiment":"positive","sentiment_score":0.5641985535621643},{"text":"We are kind of keeping your beta share service security as well for you, and swapping some, one of your investments, your defensive investments through another one that's a little bit cheaper and a little bit more stable for you as well.","start":764.315,"end":777.295,"sentiment":"positive","sentiment_score":0.34203595348766874},{"text":"So all in all, no drastic changes.","start":777.435,"end":780.76,"sentiment":"neutral","sentiment_score":0.19154621128525054},{"text":"I'm just swapping a couple of those investments out for you.","start":780.9,"end":784.34,"sentiment":"neutral","sentiment_score":0.2555825784802437},{"text":"Do you have any questions in regards to any of those investments?","start":784.34,"end":787.16003,"sentiment":"neutral","sentiment_score":0.06523466389626265}],"sentiment":"neutral","sentiment_score":0.2721199508092991,"num_words":73,"start":763.755,"end":787.16003},{"sentences":[{"text":"Yeah.","start":789.86005,"end":790.155,"sentiment":"neutral","sentiment_score":0.3131893277168274},{"text":"Perfect.","start":790.395,"end":790.895,"sentiment":"positive","sentiment_score":0.6199215650558472},{"text":"We are keeping gold and stuff in your portfolio as well.","start":791.35504,"end":794.155,"sentiment":"positive","sentiment_score":0.5687653503634713},{"text":"It's done really well.","start":794.155,"end":795.11505,"sentiment":"positive","sentiment_score":0.6516153961420059},{"text":"Sorry.","start":795.11505,"end":795.515,"sentiment":"neutral","sentiment_score":0.0596328042447567}],"sentiment":"positive","sentiment_score":0.5475346741990911,"num_words":18,"start":789.86005,"end":795.515},{"sentences":[{"text":"All all of the the main ones are are staying there for you.","start":795.515,"end":798.815,"sentiment":"neutral","sentiment_score":0.11046856527145092},{"text":"And how that's been reflected in the asset allocation, which is page 17.","start":800.155,"end":804.575,"sentiment":"neutral","sentiment_score":0.10137502562541229},{"text":"You can see that?","start":805.19,"end":807.01,"sentiment":"neutral","sentiment_score":0.057419381104409695},{"text":"Yep.","start":807.51,"end":807.91,"sentiment":"neutral","sentiment_score":0.16274400055408478},{"text":"Perfect.","start":807.91,"end":808.39,"sentiment":"positive","sentiment_score":0.419245183467865}],"sentiment":"neutral","sentiment_score":0.11142604344058782,"num_words":32,"start":795.515,"end":808.39},{"sentences":[{"text":"So as you can see, they are pretty closely related when it comes to the asset allocation component.","start":808.39,"end":815.45,"sentiment":"neutral","sentiment_score":0.21263431592120063},{"text":"In terms of the growth and defensive, it just kind of outlines that for you.","start":815.99,"end":820.32996,"sentiment":"neutral","sentiment_score":0.21966945628325144},{"text":"But, yeah, both very much aligned with your risk profile.","start":821.115,"end":824.41504,"sentiment":"neutral","sentiment_score":0.2274136170744896},{"text":"And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration.","start":826.555,"end":835.22003,"sentiment":"neutral","sentiment_score":0.19100265204906464},{"text":"So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at all.","start":835.92004,"end":843.62006,"sentiment":"positive","sentiment_score":0.4635009662858371}],"sentiment":"neutral","sentiment_score":0.2866440496946636,"num_words":95,"start":808.39,"end":843.62006},{"sentences":[{"text":"It is all part of that ongoing advice fee, and that stays exactly the same at 1.65% from.","start":844.0,"end":850.155,"sentiment":"positive","sentiment_score":0.4052854991621441},{"text":"So no additional charges or anything like that.","start":850.53503,"end":853.03503,"sentiment":"neutral","sentiment_score":0.21637059282511473},{"text":"Yep.","start":855.015,"end":855.495,"sentiment":"positive","sentiment_score":0.4394832253456116},{"text":"Perfect.","start":855.495,"end":855.995,"sentiment":"positive","sentiment_score":0.6857592463493347},{"text":"Do you have any questions in regards to that, or is that pretty straightforward?","start":856.135,"end":859.755,"sentiment":"neutral","sentiment_score":0.2949397585221699}],"sentiment":"positive","sentiment_score":0.340011971869639,"num_words":42,"start":844.0,"end":859.755},{"sentences":[{"text":"Yeah.","start":862.23004,"end":862.73004,"sentiment":"neutral","sentiment_score":0.3030078709125519},{"text":"Perfect.","start":863.83,"end":864.33,"sentiment":"positive","sentiment_score":0.6351051330566406},{"text":"So, basically, from here, if you wanna obviously take some time and read through your document, you're more than welcome to do so.","start":864.55005,"end":870.01,"sentiment":"neutral","sentiment_score":0.3303645415150601},{"text":"If not, if you do have a read through document, you have any other questions, just let me know while we can always book you in for a bit of a catch up to go through any questions.","start":870.47003,"end":877.935,"sentiment":"neutral","sentiment_score":0.2529350238803186},{"text":"Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, to move forward, all you have to do is just find those documents.","start":878.155,"end":886.655,"sentiment":"positive","sentiment_score":0.42406088951975107}],"sentiment":"positive","sentiment_score":0.3338734403252602,"num_words":95,"start":862.23004,"end":886.655},{"sentences":[{"text":"I will then get notified, and I will let the team know that you're happy to go ahead with the change, and we can authorize that for you.","start":887.57996,"end":894.16,"sentiment":"positive","sentiment_score":0.47464817655938013},{"text":"Perfect.","start":896.06,"end":896.56,"sentiment":"positive","sentiment_score":0.5369799733161926},{"text":"Now do you have any questions for me otherwise before I let you go and enjoy the rest of your afternoon?","start":896.77997,"end":901.75995,"sentiment":"neutral","sentiment_score":0.29270801444848377},{"text":"No?","start":903.845,"end":904.345,"sentiment":"neutral","sentiment_score":-0.12484622001647948},{"text":"Yeah.","start":905.045,"end":905.52496,"sentiment":"neutral","sentiment_score":0.08413819968700409}],"sentiment":"positive","sentiment_score":0.38333248461668307,"num_words":52,"start":887.57996,"end":905.52496},{"sentences":[{"text":"For everything.","start":905.52496,"end":906.26495,"sentiment":"neutral","sentiment_score":0.13367576897144318},{"text":"Yes.","start":910.805,"end":911.305,"sentiment":"neutral","sentiment_score":0.0863160490989685},{"text":"Yes.","start":913.045,"end":913.52496,"sentiment":"neutral","sentiment_score":0.1012892723083496},{"text":"It it definitely and that's also why we do focus so much on the diversification and also balancing some of those satellite investments with other ones.","start":913.52496,"end":922.17,"sentiment":"neutral","sentiment_score":0.26216911152005196},{"text":"So there are certain periods of time where some have done really well, and that kind of then negates and work with other areas.","start":922.17,"end":929.245,"sentiment":"neutral","sentiment_score":0.1784198573247219}],"sentiment":"neutral","sentiment_score":0.21395241360490522,"num_words":54,"start":905.52496,"end":929.245},{"sentences":[{"text":"So, you know, if there is a bit of fluctuation, which is always going to happen, the last twelve months have been quite a bit, but it does kind of then stable out across how your portfolio is constructed overall.","start":929.245,"end":940.78503,"sentiment":"neutral","sentiment_score":0.0688240094576031},{"text":"Yeah.","start":942.63995,"end":943.12,"sentiment":"positive","sentiment_score":0.3450423777103424},{"text":"Perfect.","start":943.12,"end":943.62,"sentiment":"positive","sentiment_score":0.6527338624000549},{"text":"Well, I will let you go, Zoe.","start":944.24,"end":945.68,"sentiment":"positive","sentiment_score":0.3989228137901851},{"text":"Thank you so much for your time.","start":945.68,"end":946.95996,"sentiment":"positive","sentiment_score":0.8084508606365749}],"sentiment":"neutral","sentiment_score":0.21789914891789003,"num_words":56,"start":929.245,"end":946.95996},{"sentences":[{"text":"Like I said, any questions, let me know.","start":946.95996,"end":948.8,"sentiment":"neutral","sentiment_score":0.32664140313863754},{"text":"Otherwise, I'll keep a look at to see efax documents come through, and we can take it all from here.","start":948.8,"end":953.6129,"sentiment":"positive","sentiment_score":0.36691948771476746},{"text":"No problem at all.","start":955.7729,"end":956.57294,"sentiment":"positive","sentiment_score":0.5992355793714523},{"text":"I'll forward to speaking with you soon again.","start":956.57294,"end":958.3529,"sentiment":"positive","sentiment_score":0.5938920676708221},{"text":"Okay.","start":959.8529,"end":960.3529,"sentiment":"neutral","sentiment_score":0.3166901469230652}],"sentiment":"positive","sentiment_score":0.4247875606141439,"num_words":41,"start":946.95996,"end":960.3529},{"sentences":[{"text":"Bye.","start":960.4929,"end":960.9929,"sentiment":"neutral","sentiment_score":-0.1205039769411087}],"sentiment":"neutral","sentiment_score":-0.1205039769411087,"num_words":1,"start":960.4929,"end":960.9929}]}}]},{"alternatives":[{"transcript":"Hello. This is Zoe. Good. Thank you. How are you? Yep. Yeah. Yeah. No worries. Zoe Foxlow, 06/30/1990, 4971 Goladney Road, Cleve. I do. Yep. Mhmm. Yeah. No worries. Yep. So I've got that the signature request one. I'd say yep. Yep. Let me just click on it. Yep. Okay. Mhmm. Yep. No worries. Yeah. That's fine. Mhmm. Yep. Pull up. Yep. Yes. Yep. Mhmm. No worries. Yep. Yeah. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yeah. Yep. So that's saying that I've done 14.94 in the last twelve months? Yep. Yep. Yep. Yep. Yep. Yeah. Mhmm. Yeah. Yep. Yep. Mhmm. Yep. Yeah. Yep. No. That looks fine. Yep. Yep. Cool. No worries. No. That looks all straightforward to me. No worries. No. I think that's all good. Yeah. Fairly happy with the with what it's done considering the share market has been a bit crazy. So yeah. Yeah. Yep. No worries. No worries. Thank you. Cheers. See 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months?","start":497.865,"end":503.88498,"sentiment":"neutral","sentiment_score":0.056299010291695595},{"text":"Yep.","start":506.585,"end":507.085,"sentiment":"neutral","sentiment_score":0.10254427790641785},{"text":"Yep.","start":508.50497,"end":509.00497,"sentiment":"neutral","sentiment_score":0.10025682300329208}],"sentiment":"neutral","sentiment_score":0.062339394353330135,"num_words":16,"start":462.53,"end":509.00497},{"sentences":[{"text":"Yep.","start":521.55,"end":521.87,"sentiment":"neutral","sentiment_score":0.04519384354352951},{"text":"Yep.","start":521.87,"end":522.37,"sentiment":"neutral","sentiment_score":0.04324701428413391},{"text":"Yep.","start":538.725,"end":539.225,"sentiment":"neutral","sentiment_score":0.011908958666026592},{"text":"Yeah.","start":544.52,"end":545.02,"sentiment":"neutral","sentiment_score":0.016910720616579056},{"text":"Mhmm.","start":571.67,"end":571.75,"sentiment":"neutral","sentiment_score":0.03405668959021568}],"sentiment":"neutral","sentiment_score":0.03026344534009695,"num_words":5,"start":521.55,"end":571.75},{"sentences":[{"text":"Yeah.","start":571.75,"end":572.25,"sentiment":"neutral","sentiment_score":0.1026826724410057},{"text":"Yep.","start":607.33,"end":607.83,"sentiment":"neutral","sentiment_score":0.04611236974596977},{"text":"Yep.","start":621.875,"end":622.375,"sentiment":"neutral","sentiment_score":0.10608118027448654},{"text":"Mhmm.","start":698.27496,"end":698.77496,"sentiment":"neutral","sentiment_score":0.06385844945907593},{"text":"Yep.","start":759.75,"end":760.25,"sentiment":"neutral","sentiment_score":0.05543188378214836}],"sentiment":"neutral","sentiment_score":0.07483331114053726,"num_words":5,"start":571.75,"end":760.25},{"sentences":[{"text":"Yeah.","start":762.47003,"end":762.97003,"sentiment":"neutral","sentiment_score":0.12940728664398193},{"text":"Yep.","start":763.27,"end":763.77,"sentiment":"neutral","sentiment_score":0.1502402126789093},{"text":"No.","start":788.52997,"end":788.68,"sentiment":"neutral","sentiment_score":0.051255106925964355},{"text":"That looks fine.","start":788.68,"end":789.75,"sentiment":"neutral","sentiment_score":0.1966950645049413},{"text":"Yep.","start":806.825,"end":807.325,"sentiment":"neutral","sentiment_score":0.09890873730182648}],"sentiment":"neutral","sentiment_score":0.14569950529507228,"num_words":7,"start":762.47003,"end":807.325},{"sentences":[{"text":"Yep.","start":825.89,"end":826.39,"sentiment":"neutral","sentiment_score":0.03721489757299423},{"text":"Cool.","start":854.29004,"end":854.69,"sentiment":"positive","sentiment_score":0.5367708206176758},{"text":"No worries.","start":854.69,"end":855.43005,"sentiment":"positive","sentiment_score":0.37467603385448456},{"text":"No.","start":860.685,"end":860.925,"sentiment":"neutral","sentiment_score":0.09207518398761748},{"text":"That looks all straightforward to me.","start":860.925,"end":863.105,"sentiment":"neutral","sentiment_score":0.30487603197495144}],"sentiment":"neutral","sentiment_score":0.29496992379426956,"num_words":11,"start":825.89,"end":863.105},{"sentences":[{"text":"No worries.","start":894.855,"end":895.595,"sentiment":"neutral","sentiment_score":0.2637026011943817},{"text":"No.","start":902.87,"end":903.37,"sentiment":"neutral","sentiment_score":-0.10467231273651124},{"text":"I think that's all good.","start":903.43,"end":904.89,"sentiment":"neutral","sentiment_score":-0.029449719190597533},{"text":"Yeah.","start":905.83,"end":906.15,"sentiment":"neutral","sentiment_score":0.18039697408676147},{"text":"Fairly happy with the with what it's done considering the share market has been a bit crazy.","start":906.15,"end":912.515,"sentiment":"neutral","sentiment_score":0.2859550464679213}],"sentiment":"neutral","sentiment_score":0.2045045022207957,"num_words":26,"start":894.855,"end":912.515},{"sentences":[{"text":"So yeah.","start":913.77496,"end":914.835,"sentiment":"neutral","sentiment_score":0.2221597582101822},{"text":"Yeah.","start":942.345,"end":942.505,"sentiment":"neutral","sentiment_score":0.1876855343580246},{"text":"Yep.","start":942.505,"end":943.005,"sentiment":"neutral","sentiment_score":0.22397635877132416},{"text":"No worries.","start":943.14496,"end":943.885,"sentiment":"positive","sentiment_score":0.377823144197464},{"text":"No worries.","start":954.185,"end":954.745,"sentiment":"positive","sentiment_score":0.38833440840244293}],"sentiment":"neutral","sentiment_score":0.29853706434369087,"num_words":8,"start":913.77496,"end":954.745},{"sentences":[{"text":"Thank you.","start":954.745,"end":955.565,"sentiment":"positive","sentiment_score":0.7142224311828613},{"text":"Cheers.","start":958.8629,"end":959.3629,"sentiment":"positive","sentiment_score":0.7087278366088867},{"text":"See you.","start":959.5029,"end":960.1629,"sentiment":"positive","sentiment_score":0.5882178544998169}],"sentiment":"positive","sentiment_score":0.6627216815948487,"num_words":5,"start":954.745,"end":960.1629}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Zoe.\n\nChannel 0: Good afternoon, Zoe. This is Veronica from Financial. How are you?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment. Is now still\n\nChannel 1: Yep.\n\nChannel 0: a good time for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, just like usual, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Zoe Foxlow, 06/30/1990, 4971 Goladney Road, Cleve.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now, Zoe, do you have access to your emails at the moment?\n\nChannel 1: I do.\n\nChannel 0: Yep. Perfect. So what I have done is I have to send you an email with the the recommendation to go through. So I have done some research\n\nChannel 1: Yep.\n\nChannel 0: and made some recommendations on swapping a couple of things out for you just to improve\n\nChannel 1: Mhmm.\n\nChannel 0: your situation a little bit. So I do wanna just kind of go through those changes if you if you do have\n\nChannel 1: Yeah. No worries.\n\nChannel 0: option to get that for me.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: So\n\nChannel 0: when\n\nChannel 1: I've got\n\nChannel 0: you do\n\nChannel 1: that the signature request one.\n\nChannel 0: yes, please.\n\nChannel 1: I'd\n\nChannel 0: So\n\nChannel 1: say yep.\n\nChannel 0: before you click on the link, I'll just let you know, but you can go and have a a read over this in your own time. You'll see a couple of attachments. A lot of it is just kind of like the appendix and where all the research and stuff goes. So with the investment recommendation changes I have made, if you would like to go and read on them a little bit more, that's all in the those supporting documents there for you. Otherwise, if you wanna click on the link where it says sign now, it will allow you to open up the document and view it before it prompts you to sign anything.\n\nChannel 1: Yep. Let me\n\nChannel 0: Yep.\n\nChannel 1: just click\n\nChannel 0: Perfect.\n\nChannel 1: on it.\n\nChannel 0: Yep. So just let me know if you can see that kind of cover page.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. So every time we do make a a recommendation and any changes in the financial product, we do have to put everything in the statement of advice for you. So a lot of it is for compliances. There's 25 pages. I won't go through all of it.\n\nA lot of it is just quite wordy just to make sure that you completely understand everything. But\n\nChannel 1: Mhmm.\n\nChannel 0: I'll try to make it as quick as I can for you. At the end of the day, though, I've put together this strategy that I believe are best going to achieve your goals and your objectives. At the end of the day, it's just a recommendation. It's clearly up to you if you would like to go ahead with the change or not.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. On the cover page, you will see that this has been obviously tailored to you. You will have my authorized representative number listed on the cover page as well, and I am licensed under OQ Financial. If you do wanna go to the second page for me, it just kind of talks a little bit about that best interest duty again.\n\nDo you remember what that's kind of in regards to?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Yeah. Perfect. As you kind of scroll through as well, if you want to go to page three for me, it can be four\n\nChannel 1: Mhmm.\n\nChannel 0: depending on the cover page, but it says scope over by.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Pull\n\nChannel 0: Perfect.\n\nChannel 1: up.\n\nChannel 0: Now this just basically focuses on the areas we are looking at today in today's statement of advice. So pretty straightforward, simply just focusing on your superannuation, making sure everything is set up correctly for you, trying to reduce fees a little bit, and trying to grow that as much as possible to make sure that when you do retire, you have as much as possible. Not making any changes in regards to insurances. Literally, just two pronunciations today.\n\nChannel 1: Yep.\n\nChannel 0: That all make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now if you can keep scrolling through for me as well there, Zoe, you will see a page talking about you. Just some information from the fact line. Just have a quick read over it just to make sure that's all kind of up to date as well as your lifestyle assets and liabilities page on page six.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then if you can go to page seven for me,\n\nChannel 1: Mhmm.\n\nChannel 0: it just shows you your current situation. So, obviously, you have your super in hub 24, which you can see here. And you do have the one path insurances listed underneath that as well, which I know we went through during the annual review, so I won't go through that much more with you.\n\nChannel 1: No worries.\n\nChannel 0: Otherwise, it takes us through your risk profile. Can you see where I'm up to at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So do you remember kind of talking about your risk profile and the level of fuck fluctuations or stuff that you're comfortable with in regards to your superannuation?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. Not making any changes whatsoever in regards to your risk profile, keeping you in a high growth. You do have plenty of time until retirement to try to maximize that growth for you, so not making any changes in terms of the level of risk. So it's mainly just in regards to changing some of your investment.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: as you scroll through, I have outlined the recommendation on page 10, and that is to remain in hub twenty four. And like I said, just change your investment. So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four. And kind of\n\nChannel 1: Yep.\n\nChannel 0: after doing some research, Hub twenty four still very much is a really good option for you. They're very competitive when it comes to fees and the features and investment choices, and I couldn't really find anything that was going to be more suited for you. So I have recommended that you stay in hub twenty four.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Now you will see kind of the recommendation how it's outlined in the best interest due to for you, as well as advantages, disadvantages, and risk. But I often find that going through the actual table makes it easier, especially with numbers and stuff. So if you can go to page 13 for me, you should see a fee comparison table. Yep.\n\nPerfect. So this basically breaks down the other couple of pages we'll just scroll through, just kind of in words as well to make it easy. But, basically, like, you can see here your current\n\nChannel 1: Yep.\n\nChannel 0: situation, your current super balance, as well as your total fees at the moment. You can see the total cost there as well as the five year rolling average on your current portfolio. So\n\nChannel 1: Yep.\n\nChannel 0: on the other side, with the recommended, you can see, like I said, remaining in hub twenty four, changing some of your investments. By doing that, you can actually see that you are saving about $393 a year in administration fees and investment fees mainly. So by swapping some of those investments out, it's actually making it a little bit cheaper for you per year, which is great.\n\nChannel 1: Yep.\n\nChannel 0: And you can also see that underneath that, you can see that five year rolling average. You can also see that the recommended portfolio has performed a little bit better historically than your current investment. And the five year rolling average on the recommended portfolio is 13.79. So about that 2.13% better than your current position.\n\nChannel 1: Yep.\n\nChannel 0: So overall, reducing fees and improving the returns, which will mean on the next page, page 14, you can then see kind of forecasted five and ten years for you. But with the compounding and everything, it does make a pretty big\n\nChannel 1: Yeah.\n\nChannel 0: difference. Yep. Perfect. Now you can also see underneath that as well, 12, three years, and five years. And you can see as well specifically the three and five year that the recommended has outperformed.\n\nIn the twelve month, your current one as well, some of your satellite investments at the moment have done really well. It's definitely a lot more fluctuations in it, though. So moving forward and stuff as well, we do wanna to swap out some of those underperforming in that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Now\n\nChannel 1: that's\n\nChannel 0: I\n\nChannel 1: saying that I've done 14.94 in the last twelve months?\n\nChannel 0: the four phase. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now on if you wanna scroll up for me actually to page 13 again, that projection table, I do wanna let you know as well. So on the top row where it says the balance, can you see that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So the the reason where why it is a bit of a difference a difference of $743, that is the estimated capital gains tax that will come out of your superannuation by making the investment change. So when you\n\nChannel 1: Yep.\n\nChannel 0: obviously are selling investments and you and you're professionally, you'll be pretty across all of that.\n\nChannel 1: Yeah.\n\nChannel 0: But that's basically the estimated tax from the investment. So we try to always minimize that as much as possible. If we were to do a full sell down, just selling all your investments and change it out, it would be about 1,700. So, obviously, try to reduce that as much as possible by still kind of swapping out some some of those underperforming investments and swapping it through some other ones as well. Does that all make sense?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah. Perfect. Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy. We've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns. Disadvantages, obviously, the capital gains tax as well.\n\nAnd one of the risks to be mindful of is that there's always a level of risk associated with any investment option.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now if you can then scroll down for me to the next page, which is page 15, it will then outline the investment changes for you.\n\nChannel 1: Yep.\n\nChannel 0: If you can see that. Yeah. Perfect. So you can see your investments on the first column, you can see the current weight allocation, what that represents in dollar volume, and then you can see the buy and sell column. So all the red is what we are selling, and then the black is what we are buying.\n\nYou can see the target weight and then that how that correlates through the dollar value. But, essentially, we're not making a a massive change. Like I said, we're just swapping out some of those investments. They kind of underperformed a little bit. I'm trying to obviously make sure we diversify your portfolio really well and then have you in good position investments moving forward with especially everything going on in the world as well.\n\nSo, basically, the changes we are doing, you can see the Benelon Australian Equities. That was the investment I mentioned last time that had kind of underperformed a little bit, which was the active component. And what we have done is we have swapped that to the BetaShares Australia two hundred. So this table just kind of splits across two pages because it's a little bit long, but you can see two investments on page 16 as well. So that is that BetaShares Australia two hundred.\n\nCan you see that?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. And this one here basically invests in the 200 largest companies listed on the ASX. So you'll have companies like Commonwealth and BHB BHP and Woolworths, all the big companies still making sure we do wanna give you some of that Australian exposure. In terms of the the global equity, we are still retaining your iShares S and P 500 for you.\n\nWe are just increasing the weight from 31.84% to 35. And then to give you more of that kind of glow global diversification, we have introduced 9% to the Europe market, 5% to Japan, and then 8% to Vanguard or Wells. But that one actually excludes The US because you already have exposure to The US in the iShares S and P 500. And we also wanna make sure you don't have too much into one specific industry or region or sector either. So we wanna make sure it's well with.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Does that all kind of make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Perfect. We are kind of keeping your beta share service security as well for you, and swapping some, one of your investments, your defensive investments through another one that's a little bit cheaper and a little bit more stable for you as well. So all in all, no drastic changes. I'm just swapping a couple of those investments out for you.\n\nDo you have any questions in regards to any of those investments?\n\nChannel 1: No. That looks fine.\n\nChannel 0: Yeah. Perfect. We are keeping gold and stuff in your portfolio as well. It's done really well. Sorry.\n\nAll all of the the main ones are are staying there for you. And how that's been reflected in the asset allocation, which is page 17. You can see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So as you can see, they are pretty closely related when it comes to the asset allocation component. In terms of the growth and defensive, it just kind of outlines that for you. But, yeah, both very much aligned with your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration. So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at all. It is all part of that ongoing advice fee, and that stays exactly the same at 1.65% from. So no additional charges or anything like that.\n\nChannel 1: Cool. No worries.\n\nChannel 0: Yep. Perfect. Do you have any questions in regards to that, or is that pretty straightforward?\n\nChannel 1: No. That looks all straightforward\n\nChannel 0: Yeah.\n\nChannel 1: to me.\n\nChannel 0: Perfect. So, basically, from here, if you wanna obviously take some time and read through your document, you're more than welcome to do so. If not, if you do have a read through document, you have any other questions, just let me know while we can always book you in for a bit of a catch up to go through any questions. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, to move forward, all you have to do is just find those documents. I will then get notified, and I will let the team know that you're happy to go ahead with the change, and we can authorize that for you.\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Now do you have any questions for me otherwise before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: No. I think that's\n\nChannel 0: No?\n\nChannel 1: all good.\n\nChannel 0: Yeah. For everything.\n\nChannel 1: Yeah. Fairly happy with the with what it's done considering the share market has been\n\nChannel 0: Yes.\n\nChannel 1: a bit crazy.\n\nChannel 0: Yes. It\n\nChannel 1: So\n\nChannel 0: it definitely\n\nChannel 1: yeah.\n\nChannel 0: and that's also why we do focus so much on the diversification and also balancing some of those satellite investments with other ones. So there are certain periods of time where some have done really well, and that kind of then negates and work with other areas. So, you know, if there is a bit of fluctuation, which is always going to happen, the last twelve months have been quite a bit, but it does kind of then stable out across how your portfolio is constructed overall.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: No worries.\n\nChannel 0: Well, I will let you go, Zoe. Thank you so much for your time. Like I said, any questions, let me know. Otherwise, I'll keep a look at to see efax documents come through, and we can take it all from here.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: No problem at all. I'll forward to speaking with you soon again.\n\nChannel 1: Cheers. See you.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.06013242155313492},{"text":"This is Zoe.","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.07145107289155324}],"sentiment":"neutral","sentiment_score":0.06862141005694866,"channel":1,"num_words":4,"start":0.48,"end":1.6999999},{"sentences":[{"text":"Good afternoon, Zoe.","start":2.32,"end":3.28,"sentiment":"positive","sentiment_score":0.3461314340432485},{"text":"This is Veronica from Financial.","start":3.28,"end":4.74,"sentiment":"neutral","sentiment_score":0.23683568239212036},{"text":"How are you?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.18321694433689117}],"sentiment":"neutral","sentiment_score":0.2520203224637292,"channel":0,"num_words":11,"start":2.32,"end":6.02},{"sentences":[{"text":"Good.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.46674877405166626},{"text":"Thank you.","start":6.48,"end":7.04,"sentiment":"positive","sentiment_score":0.5648632049560547},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.3181779781977336}],"sentiment":"positive","sentiment_score":0.4251681864261627,"channel":1,"num_words":6,"start":6.16,"end":7.8599997},{"sentences":[{"text":"I'm good.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.5430513024330139},{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.6107333898544312},{"text":"I had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment.","start":9.84,"end":17.074999,"sentiment":"neutral","sentiment_score":0.2998978719115257},{"text":"Is now 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moment?","start":270.0,"end":271.86,"sentiment":"neutral","sentiment_score":0.05255786441266537}],"sentiment":"neutral","sentiment_score":0.04836372430953714,"channel":0,"num_words":18,"start":267.12,"end":271.86},{"sentences":[{"text":"Yep.","start":272.25998,"end":272.75998,"sentiment":"neutral","sentiment_score":0.06085008382797241}],"sentiment":"neutral","sentiment_score":0.06085008382797241,"channel":1,"num_words":1,"start":272.25998,"end":272.75998},{"sentences":[{"text":"Yep.","start":272.845,"end":273.32498,"sentiment":"neutral","sentiment_score":0.10070838779211044},{"text":"Perfect.","start":273.32498,"end":273.82498,"sentiment":"neutral","sentiment_score":0.2777807116508484},{"text":"So do you remember kind of talking about your risk profile and the level of fuck fluctuations or stuff that you're comfortable with in regards to your 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growth.","start":283.72498,"end":288.62,"sentiment":"neutral","sentiment_score":0.093183374580215},{"text":"You do have plenty of time until retirement to try to maximize that growth for you, so not making any changes in terms of the level of risk.","start":288.92,"end":296.92,"sentiment":"neutral","sentiment_score":0.17429138054805143},{"text":"So it's mainly just in regards to changing some of your investment.","start":296.92,"end":301.18,"sentiment":"neutral","sentiment_score":0.0842074944327275}],"sentiment":"neutral","sentiment_score":0.1353795424861423,"channel":0,"num_words":59,"start":282.525,"end":301.18},{"sentences":[{"text":"So","start":302.41498,"end":302.91498,"sentiment":"neutral","sentiment_score":0.14219588041305542}],"sentiment":"neutral","sentiment_score":0.14219588041305542,"channel":0,"num_words":1,"start":302.41498,"end":302.91498},{"sentences":[{"text":"Yep.","start":302.525,"end":303.025,"sentiment":"neutral","sentiment_score":0.14969295263290405}],"sentiment":"neutral","sentiment_score":0.14969295263290405,"channel":1,"num_words":1,"start":302.525,"end":303.025},{"sentences":[{"text":"as you scroll through, I have outlined the recommendation on page 10, and that is to remain in hub twenty four.","start":303.13498,"end":310.51498,"sentiment":"neutral","sentiment_score":0.1761285247547286},{"text":"And like I said, just change your investment.","start":310.655,"end":312.675,"sentiment":"neutral","sentiment_score":0.11180632637115195},{"text":"So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four.","start":312.735,"end":324.34,"sentiment":"neutral","sentiment_score":0.15134492818088757},{"text":"And kind of","start":324.88,"end":325.52002,"sentiment":"positive","sentiment_score":0.3592149515946706}],"sentiment":"neutral","sentiment_score":0.16253083066486224,"channel":0,"num_words":74,"start":303.13498,"end":325.52002},{"sentences":[{"text":"Yep.","start":325.30002,"end":325.80002,"sentiment":"positive","sentiment_score":0.3885338306427002}],"sentiment":"positive","sentiment_score":0.3885338306427002,"channel":1,"num_words":1,"start":325.30002,"end":325.80002},{"sentences":[{"text":"after doing some research, Hub twenty four still very much is a really good option 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stuff.","start":354.945,"end":360.86502,"sentiment":"neutral","sentiment_score":0.23926430526706907},{"text":"So if you can go to page 13 for me, you should see a fee comparison table.","start":360.86502,"end":366.64502,"sentiment":"neutral","sentiment_score":0.12285392293158699},{"text":"Yep.","start":368.96,"end":369.36,"sentiment":"neutral","sentiment_score":0.22177985310554504}],"sentiment":"neutral","sentiment_score":0.21129058112227728,"channel":0,"num_words":63,"start":344.24002,"end":369.36},{"sentences":[{"text":"Perfect.","start":369.36,"end":369.86,"sentiment":"positive","sentiment_score":0.40306952595710754},{"text":"So this basically breaks down the other couple of pages we'll just scroll through, just kind of in words as well to make it easy.","start":370.0,"end":376.81998,"sentiment":"neutral","sentiment_score":0.26610678553581235},{"text":"But, basically, like, you can see here your 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you.","start":446.05,"end":458.15,"sentiment":"positive","sentiment_score":0.34177422523498535},{"text":"But with the compounding and everything, it does make a pretty big","start":458.21,"end":461.355,"sentiment":"neutral","sentiment_score":0.1351428081591924}],"sentiment":"neutral","sentiment_score":0.2827366774990445,"channel":0,"num_words":42,"start":446.05,"end":461.355},{"sentences":[{"text":"Yeah.","start":462.53,"end":463.03,"sentiment":"neutral","sentiment_score":0.05523069202899933}],"sentiment":"neutral","sentiment_score":0.05523069202899933,"channel":1,"num_words":1,"start":462.53,"end":463.03},{"sentences":[{"text":"difference.","start":462.875,"end":463.195,"sentiment":"neutral","sentiment_score":0.1298268735408783},{"text":"Yep.","start":463.195,"end":463.515,"sentiment":"positive","sentiment_score":0.3560348153114319},{"text":"Perfect.","start":463.515,"end":464.015,"sentiment":"positive","sentiment_score":0.6330561637878418},{"text":"Now you can also see underneath that as well, 12, three years, and five years.","start":464.475,"end":470.89502,"sentiment":"positive","sentiment_score":0.3390130788087845},{"text":"And you can see as well specifically the three and five year that the recommended has outperformed.","start":471.67502,"end":477.73,"sentiment":"positive","sentiment_score":0.48708200630019693}],"sentiment":"positive","sentiment_score":0.41384308976786477,"channel":0,"num_words":35,"start":462.875,"end":477.73},{"sentences":[{"text":"In the twelve month, your current one as well, some of your satellite investments at the moment have done really well.","start":478.35,"end":484.45,"sentiment":"positive","sentiment_score":0.39194615681966144},{"text":"It's definitely a lot more fluctuations in it, though.","start":484.91,"end":488.53,"sentiment":"neutral","sentiment_score":-0.19657694465584225},{"text":"So moving forward and stuff as well, we do wanna to swap out some of those underperforming in 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that I've done 14.94 in the last twelve months?","start":498.66498,"end":503.88498,"sentiment":"neutral","sentiment_score":0.05742340199649334}],"sentiment":"neutral","sentiment_score":0.05742340199649334,"channel":1,"num_words":10,"start":498.66498,"end":503.88498},{"sentences":[{"text":"the four 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that.","start":538.79004,"end":544.13495,"sentiment":"neutral","sentiment_score":0.016828562133014202}],"sentiment":"neutral","sentiment_score":0.016828562133014202,"channel":0,"num_words":16,"start":538.79004,"end":544.13495},{"sentences":[{"text":"Yeah.","start":544.52,"end":545.02,"sentiment":"neutral","sentiment_score":0.016910720616579056}],"sentiment":"neutral","sentiment_score":0.016910720616579056,"channel":1,"num_words":1,"start":544.52,"end":545.02},{"sentences":[{"text":"But that's basically the estimated tax from the investment.","start":544.595,"end":547.735,"sentiment":"neutral","sentiment_score":-0.01548774595398249},{"text":"So we try to always minimize that as much as possible.","start":547.795,"end":550.935,"sentiment":"neutral","sentiment_score":0.019941788844086906},{"text":"If we were to do a full sell down, just selling all your investments and change it out, it would be about 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sense?","start":570.04504,"end":571.265,"sentiment":"neutral","sentiment_score":0.12595511674880983}],"sentiment":"neutral","sentiment_score":0.04611101028247135,"channel":0,"num_words":79,"start":544.595,"end":571.265},{"sentences":[{"text":"Mhmm.","start":571.67,"end":571.75,"sentiment":"neutral","sentiment_score":0.03405668959021568},{"text":"Yeah.","start":571.75,"end":572.25,"sentiment":"neutral","sentiment_score":0.1026826724410057}],"sentiment":"neutral","sentiment_score":0.0683696810156107,"channel":1,"num_words":2,"start":571.67,"end":572.25},{"sentences":[{"text":"Yeah.","start":572.36505,"end":572.84503,"sentiment":"neutral","sentiment_score":0.17391830682754517},{"text":"Perfect.","start":572.84503,"end":573.34503,"sentiment":"neutral","sentiment_score":0.05656437203288078},{"text":"Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy.","start":574.685,"end":585.2,"sentiment":"neutral","sentiment_score":0.0199590080207394},{"text":"We've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns.","start":585.66,"end":594.0,"sentiment":"neutral","sentiment_score":0.15150748525300753},{"text":"Disadvantages, obviously, the capital gains tax as well.","start":594.7,"end":598.72,"sentiment":"negative","sentiment_score":-0.4704817198216915}],"sentiment":"neutral","sentiment_score":0.00890672390232794,"channel":0,"num_words":64,"start":572.36505,"end":598.72},{"sentences":[{"text":"And one of the risks to be mindful of is that there's always a level of risk associated with any investment 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column.","start":623.97,"end":636.08496,"sentiment":"neutral","sentiment_score":0.19403810731389307},{"text":"So all the red is what we are selling, and then the black is what we are buying.","start":637.185,"end":641.48,"sentiment":"neutral","sentiment_score":0.1290496467716164}],"sentiment":"neutral","sentiment_score":0.17103113401038894,"channel":0,"num_words":58,"start":622.52997,"end":641.48},{"sentences":[{"text":"You can see the target weight and then that how that correlates through the dollar value.","start":641.62,"end":646.12,"sentiment":"neutral","sentiment_score":0.1191853522323072},{"text":"But, essentially, we're not making a a massive change.","start":646.9,"end":650.1,"sentiment":"neutral","sentiment_score":-0.1624105241563585},{"text":"Like I said, we're just swapping out some of those investments.","start":650.1,"end":652.84,"sentiment":"neutral","sentiment_score":-0.09960430995984511},{"text":"They kind of underperformed a little 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sure we do wanna give you some of that Australian exposure.","start":704.93,"end":713.95496,"sentiment":"neutral","sentiment_score":0.13386113808623382},{"text":"In terms of the the global equity, we are still retaining your iShares S and P 500 for you.","start":715.45496,"end":721.795,"sentiment":"neutral","sentiment_score":0.10588459356835014}],"sentiment":"neutral","sentiment_score":0.11206316051539034,"channel":0,"num_words":64,"start":699.09,"end":721.795},{"sentences":[{"text":"We are just increasing the weight from 31.84% to 35.","start":722.42,"end":727.8,"sentiment":"neutral","sentiment_score":0.15062815994024276},{"text":"And then to give you more of that kind of glow global diversification, we have introduced 9% to the Europe market, 5% to Japan, and then 8% to Vanguard or Wells.","start":728.82,"end":742.285,"sentiment":"neutral","sentiment_score":0.14748287224961865},{"text":"But that one actually excludes The US because you already have exposure to The US in the iShares S 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little bit more stable for you as well.","start":764.315,"end":777.295,"sentiment":"positive","sentiment_score":0.34203595348766874},{"text":"So all in all, no drastic changes.","start":777.435,"end":780.76,"sentiment":"neutral","sentiment_score":0.19154621128525054},{"text":"I'm just swapping a couple of those investments out for you.","start":780.9,"end":784.34,"sentiment":"neutral","sentiment_score":0.2555825784802437}],"sentiment":"neutral","sentiment_score":0.31244971819462314,"channel":0,"num_words":62,"start":763.355,"end":784.34},{"sentences":[{"text":"Do you have any questions in regards to any of those investments?","start":784.34,"end":787.16003,"sentiment":"neutral","sentiment_score":0.06523466389626265}],"sentiment":"neutral","sentiment_score":0.06523466389626265,"channel":0,"num_words":12,"start":784.34,"end":787.16003},{"sentences":[{"text":"No.","start":788.52997,"end":788.68,"sentiment":"neutral","sentiment_score":0.051255106925964355},{"text":"That looks fine.","start":788.68,"end":789.75,"sentiment":"neutral","sentiment_score":0.1966950645049413}],"sentiment":"neutral","sentiment_score":0.16033507511019707,"channel":1,"num_words":4,"start":788.52997,"end":789.75},{"sentences":[{"text":"Yeah.","start":789.86005,"end":790.155,"sentiment":"neutral","sentiment_score":0.3131893277168274},{"text":"Perfect.","start":790.395,"end":790.895,"sentiment":"positive","sentiment_score":0.6199215650558472},{"text":"We are keeping gold and stuff in your portfolio as well.","start":791.35504,"end":794.155,"sentiment":"positive","sentiment_score":0.5687653503634713},{"text":"It's done really well.","start":794.155,"end":795.11505,"sentiment":"positive","sentiment_score":0.6516153961420059},{"text":"Sorry.","start":795.11505,"end":795.515,"sentiment":"neutral","sentiment_score":0.0596328042447567}],"sentiment":"positive","sentiment_score":0.5475346741990911,"channel":0,"num_words":18,"start":789.86005,"end":795.515},{"sentences":[{"text":"All all of the 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you.","start":815.99,"end":820.32996,"sentiment":"neutral","sentiment_score":0.21966945628325144},{"text":"But, yeah, both very much aligned with your risk profile.","start":821.115,"end":824.41504,"sentiment":"neutral","sentiment_score":0.2274136170744896}],"sentiment":"neutral","sentiment_score":0.22174633079104952,"channel":0,"num_words":45,"start":807.51,"end":824.41504},{"sentences":[{"text":"Yep.","start":825.89,"end":826.39,"sentiment":"neutral","sentiment_score":0.03721489757299423}],"sentiment":"neutral","sentiment_score":0.03721489757299423,"channel":1,"num_words":1,"start":825.89,"end":826.39},{"sentences":[{"text":"And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration.","start":826.555,"end":835.22003,"sentiment":"neutral","sentiment_score":0.19100265204906464},{"text":"So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at 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going to happen, the last twelve months have been quite a bit, but it does kind of then stable out across how your portfolio is constructed 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worries.","start":954.185,"end":954.745,"sentiment":"positive","sentiment_score":0.38833440840244293},{"text":"Thank you.","start":954.745,"end":955.565,"sentiment":"positive","sentiment_score":0.7142224311828613}],"sentiment":"positive","sentiment_score":0.5512784197926521,"channel":1,"num_words":4,"start":954.185,"end":955.565},{"sentences":[{"text":"No problem at all.","start":955.7729,"end":956.57294,"sentiment":"positive","sentiment_score":0.5992355793714523},{"text":"I'll forward to speaking with you soon again.","start":956.57294,"end":958.3529,"sentiment":"positive","sentiment_score":0.5938920676708221}],"sentiment":"positive","sentiment_score":0.5956732382376989,"channel":0,"num_words":12,"start":955.7729,"end":958.3529},{"sentences":[{"text":"Cheers.","start":958.8629,"end":959.3629,"sentiment":"positive","sentiment_score":0.7087278366088867},{"text":"See you.","start":959.5029,"end":960.1629,"sentiment":"positive","sentiment_score":0.5882178544998169}],"sentiment":"positive","sentiment_score":0.6283878485361735,"channel":1,"num_words":3,"start":958.8629,"end":960.1629},{"sentences":[{"text":"Okay.","start":959.8529,"end":960.3529,"sentiment":"neutral","sentiment_score":0.3166901469230652},{"text":"Bye.","start":960.4929,"end":960.9929,"sentiment":"neutral","sentiment_score":-0.1205039769411087}],"sentiment":"neutral","sentiment_score":0.09809308499097824,"channel":0,"num_words":2,"start":959.8529,"end":960.9929}]},"summary":{"result":"success","short":"A representative from Financial calls Zoe to provide investment recommendations based on her risk profile and lifestyle assets and liabilities. They go over her risk profile and current situation, emphasizing the importance of managing her risk profile and reducing fees to maximize her growth. The speaker recommends staying in the hub 24 option and emphasizes the use of a fee comparison table to help her save money. They also discuss reducing risk and swapping out underperforming investments, keeping gold and other investments in the portfolio, and the ongoing advice fee. The company is not making a change and swapping some investments to diversify the portfolio, and they offer new investment options and a beta share service. They emphasize the importance of minimizing risk and keeping gold and other investments in the portfolio. The speaker offers to answer any questions and mentions that the team will follow up with the customer."},"intents":{"segments":[{"text":"I had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment. Is now still Yep.","start_word":24,"end_word":51,"intents":[{"intent":"Book investment review","confidence_score":0.007899702}]},{"text":"So every time we do make a a recommendation and any changes in the financial product, we do have to put everything in the statement of advice for you. So a lot of it is for compliances. There's 25 pages. I won't go through all of it. A lot of it is just quite wordy just to make sure that you completely understand everything. But Mhmm.","start_word":390,"end_word":455,"intents":[{"intent":"Assist with recommendation and changes","confidence_score":0.00011444687},{"intent":"Explore recommendations and recommendations","confidence_score":0.00026228552}]},{"text":"Now if you can keep scrolling through for me as well there, Zoe, you will see a page talking about you. Just some information from the fact line. Just have a quick read over it just to make sure that's all kind of up to date as well as your lifestyle assets and liabilities page on page six. Yep.","start_word":728,"end_word":786,"intents":[{"intent":"Update information","confidence_score":0.00835478}]},{"text":"So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four. And kind of Yep.","start_word":998,"end_word":1043,"intents":[{"intent":"Evaluate hhub twenty four's competitiveness","confidence_score":0.0000048779425}]},{"text":"So I have recommended that you stay in hub twenty four.","start_word":1089,"end_word":1099,"intents":[{"intent":"Recommend staying in hhub twenty four","confidence_score":0.3403703}]},{"text":"Now you will see kind of the recommendation how it's outlined in the best interest due to for you, as well as advantages, disadvantages, and risk.","start_word":1102,"end_word":1127,"intents":[{"intent":"Explain pricing advantages and costs","confidence_score":4.936839e-8}]},{"text":"So if you can go to page 13 for me, you should see a fee comparison table.","start_word":1146,"end_word":1162,"intents":[{"intent":"Emphasize fee comparison and portfolio comparison","confidence_score":0.000002576237}]},{"text":"So overall, reducing fees and improving the returns, which will mean on the next page, page 14, you can then see kind of forecasted five and ten years for you.","start_word":1362,"end_word":1391,"intents":[{"intent":"Reduce fees and improve returns","confidence_score":0.08747067}]},{"text":"So moving forward and stuff as well, we do wanna to swap out some of those underperforming in that. Yep. Yeah.","start_word":1469,"end_word":1489,"intents":[{"intent":"Swap out underperforming investments","confidence_score":0.48628783}]},{"text":"Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy.","start_word":1694,"end_word":1724,"intents":[{"intent":"Highlight benefits","confidence_score":0.10769898},{"intent":"Highlight disadvantages","confidence_score":0.54341584}]},{"text":"We've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns. Disadvantages, obviously, the capital gains tax as well. And one of the risks to be mindful of is that there's always a level of risk associated with any investment option. Yep.","start_word":1724,"end_word":1777,"intents":[{"intent":"Explore investment options","confidence_score":0.014673155}]},{"text":"And one of the risks to be mindful of is that there's always a level of risk associated with any investment option. Yep.","start_word":1755,"end_word":1777,"intents":[{"intent":"Highlight risks","confidence_score":0.67373824}]},{"text":"I'm trying to obviously make sure we diversify your portfolio really well and then have you in good position investments moving forward with especially everything going on in the world as well.","start_word":1908,"end_word":1939,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.0059475126}]},{"text":"And this one here basically invests in the 200 largest companies listed on the ASX. So you'll have companies like Commonwealth and BHB BHP and Woolworths, all the big companies still making sure we do wanna give you some of that Australian exposure.","start_word":2034,"end_word":2076,"intents":[{"intent":"Plan investments","confidence_score":0.0010386998}]},{"text":"And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration. So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at all. It is all part of that ongoing advice fee, and that stays exactly the same at 1.65% from. So no additional charges or anything like that. Cool.","start_word":2371,"end_word":2449,"intents":[{"intent":"Highlight and emphasize remuneration","confidence_score":0.009107655}]},{"text":"Do you have any questions in regards to that, or is that pretty straightforward? No.","start_word":2453,"end_word":2467,"intents":[{"intent":"Offer assistance","confidence_score":0.07203456}]},{"text":"I will then get notified, and I will let the team know that you're happy to go ahead with the change, and we can authorize that for you. No worries.","start_word":2569,"end_word":2598,"intents":[{"intent":"Verify document","confidence_score":0.0042543276}]},{"text":"Now do you have any questions for me otherwise before I let you go and enjoy the rest of your afternoon? No.","start_word":2600,"end_word":2621,"intents":[{"intent":"End conversation","confidence_score":0.036714356}]}]},"sentiments":{"segments":[{"text":"Hello. This is Zoe.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.07254330068826675},{"text":"Good afternoon, Zoe.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.34884876012802124},{"text":"This is Veronica from Financial. How are you?","start_word":7,"end_word":14,"sentiment":"neutral","sentiment_score":0.21304795145988464},{"text":"Good. Thank you.","start_word":15,"end_word":17,"sentiment":"positive","sentiment_score":0.5118204355239868},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.33229708671569824},{"text":"I'm good. Thanks.","start_word":21,"end_word":23,"sentiment":"positive","sentiment_score":0.5579685568809509},{"text":"I had you booked in just to kind of fairly quickly go through the recommendations after I did some research on your super investment. Is now still Yep.","start_word":24,"end_word":51,"sentiment":"neutral","sentiment_score":0.276358962059021},{"text":"a good time for you?","start_word":52,"end_word":56,"sentiment":"positive","sentiment_score":0.3335994780063629},{"text":"Yeah. Yeah. Perfect. Now just before I do go any further, just like usual, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay. Yeah. No worries. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Zoe Foxlow, 06/30/1990, 4971 Goladney Road, Cleve. Yep.","start_word":57,"end_word":129,"sentiment":"neutral","sentiment_score":0.07544638216495514},{"text":"Perfect. That's exactly what I have here.","start_word":130,"end_word":136,"sentiment":"positive","sentiment_score":0.4327648878097534},{"text":"Now, Zoe, do you have access to your emails at the moment? I do. Yep. Perfect. So what I have done is I have to send you an email with the the recommendation to go through. So I have done some research and Yep. made some recommendations on swapping a couple of things out for you just to improve Mhmm. your situation a little bit. So I do wanna just kind of go through those changes if you if you do have Yeah. No worries. option to get that for me. Yep. Now So when I've got you do that the signature request one. yes, please. I'd So say yep. before you click on the link, I'll just let you know, but you can go and have a a read over this in your own time. You'll see a couple of attachments. A lot of it is just kind of like the appendix and where all the research and stuff goes. So with the investment recommendation changes I have made, if you would like to go and read on them a little bit more, that's all in the those supporting documents there for you. Otherwise, if you wanna click on the link where it says sign now, it will allow you to open up the document and view it before it prompts you to sign anything. Yep. Let me Yep. just click Perfect. on it. Yep. So just let me know if you can see that kind of cover page. Yep.","start_word":137,"end_word":387,"sentiment":"neutral","sentiment_score":0.11742525645698684},{"text":"Okay. Perfect.","start_word":388,"end_word":389,"sentiment":"positive","sentiment_score":0.47801992297172546},{"text":"So every time we do make a a recommendation and any changes in the financial product, we do have to put everything in the statement of advice for you. So a lot of it is for compliances. There's 25 pages. I won't go through all of it. A lot of it is just quite wordy just to make sure that you completely understand everything. But Mhmm. I'll try to make it as quick as I can for you.","start_word":390,"end_word":467,"sentiment":"neutral","sentiment_score":0.1032373383641243},{"text":"At the end of the day, though, I've put together this strategy that I believe are best going to achieve your goals and your objectives.","start_word":468,"end_word":492,"sentiment":"positive","sentiment_score":0.49226289987564087},{"text":"At the end of the day, it's just a recommendation. It's clearly up to you if you would like to go ahead with the change or not. Yep. No worries.","start_word":493,"end_word":522,"sentiment":"neutral","sentiment_score":0.1773528903722763},{"text":"Yep. Perfect.","start_word":523,"end_word":524,"sentiment":"positive","sentiment_score":0.4434376657009125},{"text":"On the cover page, you will see that this has been obviously tailored to you. You will have my authorized representative number listed on the cover page as well, and I am licensed under OQ Financial. If you do wanna go to the second page for me, it just kind of talks a little bit about that best interest duty again. Do you remember what that's kind of in regards to? Yeah. That's fine. Yeah. Yeah.","start_word":525,"end_word":600,"sentiment":"neutral","sentiment_score":0.1707395613193512},{"text":"Perfect.","start_word":601,"end_word":601,"sentiment":"positive","sentiment_score":0.4058796465396881},{"text":"As you kind of scroll through as well, if you want to go to page three for me, it can be four Mhmm. depending on the cover page, but it says scope over by. Yep. Yes.","start_word":602,"end_word":637,"sentiment":"neutral","sentiment_score":0.07875760644674301},{"text":"Pull Perfect.","start_word":638,"end_word":639,"sentiment":"positive","sentiment_score":0.36011549830436707},{"text":"up. Now this just basically focuses on the areas we are looking at today in today's statement of advice.","start_word":640,"end_word":658,"sentiment":"neutral","sentiment_score":0.25112491846084595},{"text":"So pretty straightforward, simply just focusing on your superannuation, making sure everything is set up correctly for you, trying to reduce fees a little bit, and trying to grow that as much as possible to make sure that when you do retire, you have as much as possible.","start_word":659,"end_word":706,"sentiment":"positive","sentiment_score":0.593870997428894},{"text":"Not making any changes in regards to insurances. Literally, just two pronunciations today. Yep. That all make sense? Yes.","start_word":707,"end_word":725,"sentiment":"neutral","sentiment_score":0.017734063789248466},{"text":"Yeah. Perfect. Now if you can keep scrolling through for me as well there, Zoe, you will see a page talking about you.","start_word":726,"end_word":748,"sentiment":"positive","sentiment_score":0.3576321601867676},{"text":"Just some information from the fact line. Just have a quick read over it just to make sure that's all kind of up to date as well as your lifestyle assets and liabilities page on page six. Yep.","start_word":749,"end_word":786,"sentiment":"neutral","sentiment_score":0.29139891266822815},{"text":"Perfect.","start_word":787,"end_word":787,"sentiment":"positive","sentiment_score":0.45571422576904297},{"text":"And then if you can go to page seven for me, Mhmm. it just shows you your current situation. So, obviously, you have your super in hub 24, which you can see here. And you do have the one path insurances listed underneath that as well, which I know we went through during the annual review, so I won't go through that much more with you. No worries. Otherwise, it takes us through your risk profile. Can you see where I'm up to at the moment? Yep. Yep. Perfect. So do you remember kind of talking about your risk profile and the level of fuck fluctuations or stuff that you're comfortable with in regards to your superannuation? Yeah. Yep. Yep.","start_word":788,"end_word":907,"sentiment":"neutral","sentiment_score":0.12480387836694716},{"text":"Perfect.","start_word":908,"end_word":908,"sentiment":"positive","sentiment_score":0.36000823974609375},{"text":"Not making any changes whatsoever in regards to your risk profile, keeping you in a high growth. You do have plenty of time until retirement to try to maximize that growth for you, so not making any changes in terms of the level of risk. So it's mainly just in regards to changing some of your investment. So Yep. as you scroll through, I have outlined the recommendation on page 10, and that is to remain in hub twenty four. And like I said, just change your investment. So when I did the research as well, I also considered if Hub 24 is still going to be the best option for you or if there were any other products that was going to be more competitive than Hub twenty four.","start_word":909,"end_word":1038,"sentiment":"neutral","sentiment_score":0.14541374697135043},{"text":"And kind of Yep. after doing some research, Hub twenty four still very much is a really good option for you. They're very competitive when it comes to fees and the features and investment choices, and I couldn't really find anything that was going to be more suited for you.","start_word":1039,"end_word":1088,"sentiment":"positive","sentiment_score":0.4822549223899842},{"text":"So I have recommended that you stay in hub twenty four. Mhmm.","start_word":1089,"end_word":1100,"sentiment":"neutral","sentiment_score":0.2708749771118164},{"text":"Perfect.","start_word":1101,"end_word":1101,"sentiment":"positive","sentiment_score":0.4733929932117462},{"text":"Now you will see kind of the recommendation how it's outlined in the best interest due to for you, as well as advantages, disadvantages, and risk. But I often find that going through the actual table makes it easier, especially with numbers and stuff. So if you can go to page 13 for me, you should see a fee comparison table. Yep.","start_word":1102,"end_word":1163,"sentiment":"neutral","sentiment_score":0.20269116759300232},{"text":"Perfect.","start_word":1164,"end_word":1164,"sentiment":"positive","sentiment_score":0.40306952595710754},{"text":"So this basically breaks down the other couple of pages we'll just scroll through, just kind of in words as well to make it easy. But, basically, like, you can see here your current Yep. situation, your current super balance, as well as your total fees at the moment. You can see the total cost there as well as the five year rolling average on your current portfolio. So Yep. on the other side, with the recommended, you can see, like I said, remaining in hub twenty four, changing some of your investments.","start_word":1165,"end_word":1257,"sentiment":"neutral","sentiment_score":0.20068275928497312},{"text":"By doing that, you can actually see that you are saving about $393 a year in administration fees and investment fees mainly. So by swapping some of those investments out, it's actually making it a little bit cheaper for you per year, which is great.","start_word":1258,"end_word":1302,"sentiment":"positive","sentiment_score":0.4605456590652466},{"text":"Yep. And you can also see that underneath that, you can see that five year rolling average. You can also see that the recommended portfolio has performed a little bit better historically than your current investment. And the five year rolling average on the recommended portfolio is 13.79. So about that 2.13% better than your current position. Yep.","start_word":1303,"end_word":1360,"sentiment":"neutral","sentiment_score":0.2599627375602722},{"text":"So overall, reducing fees and improving the returns, which will mean on the next page, page 14, you can then see kind of forecasted five and ten years for you.","start_word":1361,"end_word":1390,"sentiment":"positive","sentiment_score":0.33839696645736694},{"text":"But with the compounding and everything, it does make a pretty big Yeah. difference.","start_word":1391,"end_word":1404,"sentiment":"neutral","sentiment_score":0.12907211482524872},{"text":"Yep. Perfect.","start_word":1405,"end_word":1406,"sentiment":"positive","sentiment_score":0.4668433368206024},{"text":"Now you can also see underneath that as well, 12, three years, and five years.","start_word":1407,"end_word":1421,"sentiment":"neutral","sentiment_score":0.33279839158058167},{"text":"And you can see as well specifically the three and five year that the recommended has outperformed. In the twelve month, your current one as well, some of your satellite investments at the moment have done really well.","start_word":1422,"end_word":1459,"sentiment":"positive","sentiment_score":0.4354631304740906},{"text":"It's definitely a lot more fluctuations in it, though. So moving forward and stuff as well, we do wanna to swap out some of those underperforming in that. Yep. Yeah. So Now that's I saying that I've done 14.94 in the last twelve months? the four phase. Yes. Yep. Yep. Yep. Now on if you wanna scroll up for me actually to page 13 again, that projection table, I do wanna let you know as well. So on the top row where it says the balance, can you see that? Yep. Yep. Yep. So the the reason where why it is a bit of a difference a difference of $743, that is the estimated capital gains tax that will come out of your superannuation by making the investment change. So when you Yep. obviously are selling investments and you and you're professionally, you'll be pretty across all of that. Yeah. But that's basically the estimated tax from the investment. So we try to always minimize that as much as possible. If we were to do a full sell down, just selling all your investments and change it out, it would be about 1,700. So, obviously, try to reduce that as much as possible by still kind of swapping out some some of those underperforming investments and swapping it through some other ones as well. Does that all make sense? Mhmm. Yeah. Yeah.","start_word":1460,"end_word":1691,"sentiment":"neutral","sentiment_score":0.022613627836108208},{"text":"Perfect.","start_word":1692,"end_word":1692,"sentiment":"positive","sentiment_score":0.3923071622848511},{"text":"Now I do wanna highlight as well when you do go through the the statement of advice, they'll outline as well some advantages, disadvantages, and risk in regards to the strategy. We've kind of spoken mainly in regards to the advantages, obviously, being a lower fees, continue to be high growth, and improved returns.","start_word":1693,"end_word":1746,"sentiment":"neutral","sentiment_score":0.07087132334709167},{"text":"Disadvantages, obviously, the capital gains tax as well. And one of the risks to be mindful of is that there's always a level of risk associated with any investment option.","start_word":1747,"end_word":1776,"sentiment":"negative","sentiment_score":-0.40963035821914673},{"text":"Yep. Yep.","start_word":1777,"end_word":1778,"sentiment":"neutral","sentiment_score":0.0860891342163086},{"text":"Perfect.","start_word":1779,"end_word":1779,"sentiment":"positive","sentiment_score":0.4519006013870239},{"text":"Now if you can then scroll down for me to the next page, which is page 15, it will then outline the investment changes for you. Yep. If you can see that. Yeah.","start_word":1780,"end_word":1812,"sentiment":"neutral","sentiment_score":0.17907695472240448},{"text":"Perfect.","start_word":1813,"end_word":1813,"sentiment":"positive","sentiment_score":0.4273145794868469},{"text":"So you can see your investments on the first column, you can see the current weight allocation, what that represents in dollar volume, and then you can see the buy and sell column. So all the red is what we are selling, and then the black is what we are buying. You can see the target weight and then that how that correlates through the dollar value. But, essentially, we're not making a a massive change. Like I said, we're just swapping out some of those investments. They kind of underperformed a little bit. I'm trying to obviously make sure we diversify your portfolio really well and then have you in good position investments moving forward with especially everything going on in the world as well. So, basically, the changes we are doing, you can see the Benelon Australian Equities. That was the investment I mentioned last time that had kind of underperformed a little bit, which was the active component. And what we have done is we have swapped that to the BetaShares Australia two hundred. So this table just kind of splits across two pages because it's a little bit long, but you can see two investments on page 16 as well. So that is that BetaShares Australia two hundred. Can you see that? Mhmm. Yep.","start_word":1814,"end_word":2031,"sentiment":"neutral","sentiment_score":0.08101675659418106},{"text":"Perfect.","start_word":2032,"end_word":2032,"sentiment":"positive","sentiment_score":0.4071880578994751},{"text":"And this one here basically invests in the 200 largest companies listed on the ASX. So you'll have companies like Commonwealth and BHB BHP and Woolworths, all the big companies still making sure we do wanna give you some of that Australian exposure. In terms of the the global equity, we are still retaining your iShares S and P 500 for you. We are just increasing the weight from 31.84% to 35. And then to give you more of that kind of glow global diversification, we have introduced 9% to the Europe market, 5% to Japan, and then 8% to Vanguard or Wells. But that one actually excludes The US because you already have exposure to The US in the iShares S and P 500. And we also wanna make sure you don't have too much into one specific industry or region or sector either. So we wanna make sure it's well with. Yep. Yeah. Does that all kind of make sense? Yeah. Yep. Yeah.","start_word":2033,"end_word":2197,"sentiment":"neutral","sentiment_score":0.09333690255880356},{"text":"Perfect. We are kind of keeping your beta share service security as well for you, and swapping some, one of your investments, your defensive investments through another one that's a little bit cheaper and a little bit more stable for you as well.","start_word":2198,"end_word":2240,"sentiment":"positive","sentiment_score":0.3498033285140991},{"text":"So all in all, no drastic changes. I'm just swapping a couple of those investments out for you. Do you have any questions in regards to any of those investments? No. That looks fine. Yeah.","start_word":2241,"end_word":2275,"sentiment":"neutral","sentiment_score":0.17824876308441162},{"text":"Perfect. We are keeping gold and stuff in your portfolio as well. It's done really well.","start_word":2276,"end_word":2291,"sentiment":"positive","sentiment_score":0.5965869426727295},{"text":"Sorry. All all of the the main ones are are staying there for you. And how that's been reflected in the asset allocation, which is page 17. You can see that? Yep. Yep.","start_word":2292,"end_word":2324,"sentiment":"neutral","sentiment_score":0.10274861752986908},{"text":"Perfect.","start_word":2325,"end_word":2325,"sentiment":"positive","sentiment_score":0.419245183467865},{"text":"So as you can see, they are pretty closely related when it comes to the asset allocation component. In terms of the growth and defensive, it just kind of outlines that for you. But, yeah, both very much aligned with your risk profile. Yep. And then the last thing I do wanna just highlight for you is if you go to page 20, it's just the remuneration.","start_word":2326,"end_word":2392,"sentiment":"neutral","sentiment_score":0.20464119404109557},{"text":"So if it is that you are happy and that you would like to go ahead with the investment change, there is no additional fees or charges at all. It is all part of that ongoing advice fee, and that stays exactly the same at 1.65% from.","start_word":2393,"end_word":2439,"sentiment":"positive","sentiment_score":0.4369484484195709},{"text":"So no additional charges or anything like that.","start_word":2440,"end_word":2447,"sentiment":"neutral","sentiment_score":0.22509633004665375},{"text":"Cool. No worries. Yep. Perfect.","start_word":2448,"end_word":2452,"sentiment":"positive","sentiment_score":0.49143990874290466},{"text":"Do you have any questions in regards to that, or is that pretty straightforward? No. That looks all straightforward Yeah.","start_word":2453,"end_word":2472,"sentiment":"neutral","sentiment_score":0.2706480026245117},{"text":"to me. Perfect.","start_word":2473,"end_word":2475,"sentiment":"positive","sentiment_score":0.5161758661270142},{"text":"So, basically, from here, if you wanna obviously take some time and read through your document, you're more than welcome to do so. If not, if you do have a read through document, you have any other questions, just let me know while we can always book you in for a bit of a catch up to go through any questions.","start_word":2476,"end_word":2536,"sentiment":"neutral","sentiment_score":0.28135237097740173},{"text":"Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, to move forward, all you have to do is just find those documents. I will then get notified, and I will let the team know that you're happy to go ahead with the change, and we can authorize that for you.","start_word":2537,"end_word":2596,"sentiment":"positive","sentiment_score":0.4429667294025421},{"text":"No worries.","start_word":2597,"end_word":2598,"sentiment":"neutral","sentiment_score":0.278633713722229},{"text":"Perfect.","start_word":2599,"end_word":2599,"sentiment":"positive","sentiment_score":0.5369799733161926},{"text":"Now do you have any questions for me otherwise before I let you go and enjoy the rest of your afternoon? No. I think that's No? all good. Yeah. For everything. Yeah. Fairly happy with the with what it's done considering the share market has been Yes. a bit crazy. Yes. It So it definitely yeah. and that's also why we do focus so much on the diversification and also balancing some of those satellite investments with other ones. So there are certain periods of time where some have done really well, and that kind of then negates and work with other areas. So, you know, if there is a bit of fluctuation, which is always going to happen, the last twelve months have been quite a bit, but it does kind of then stable out across how your portfolio is constructed overall. Yeah. Yep.","start_word":2600,"end_word":2744,"sentiment":"neutral","sentiment_score":0.17203904112865184},{"text":"Yeah. Perfect. No worries. Well, I will let you go, Zoe. Thank you so much for your time.","start_word":2745,"end_word":2762,"sentiment":"positive","sentiment_score":0.5388699173927307},{"text":"Like I said, any questions, let me know.","start_word":2763,"end_word":2770,"sentiment":"neutral","sentiment_score":0.31976792216300964},{"text":"Otherwise, I'll keep a look at to see efax documents come through, and we can take it all from here. No worries. Thank you. No problem at all. I'll forward to speaking with you soon again. Cheers. See you.","start_word":2771,"end_word":2809,"sentiment":"positive","sentiment_score":0.4711938798427582},{"text":"Okay. Bye.","start_word":2810,"end_word":2811,"sentiment":"neutral","sentiment_score":0.29023846983909607}],"average":{"sentiment":"neutral","sentiment_score":0.1885564958501436}}}}