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No. Strange. Yeah. Because I called at 01:30. It went straight to voice mail, and I did leave a voice message as well. I thought that's why you called back. Oh, that's strange. Yeah. Oh, that's very weird, but I'm glad you called anyway. That's strange. I'll have a look through IT if there's a bit of an issue with their with their phone system. But, yeah, it just went straight to your voice mail. So I was like, oh, you must be on the phone maybe. But, yeah, good that you called back anyway. You still have time for your annual review? Yep. Yep. Beautiful. Now before I do kind of jump in two things further, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of an update and kind of touch base to see where everything's at? Yep. Yeah. We'll see how we go. Yeah. Okay. Beautiful. Now what I might do first there, David, is just to run through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So just bear with me as I go through this first. Now when it comes to your personal information, I have you down here as single with two financial dependents. Is that correct? Yep. One financial. And then one's a bit older? Yep. Okay. Perfect. Now I don't actually have a next option on file for you. So in the event, for some reason, if we can't contact you, who is someone that you would like us to contact? And that can be anybody. Shelby. Perfect. And does she have the same last name as you? Perfect. And best contact number for her, please? Yep. Sorry. Just cut out that word. Did you say double? Yep. 134. Amazing. Thank you so much. Now when it comes to your occupation, has any of that changed, or are you still working as a building surveyor? Yep. Perfect. Still working full time for the same employer earning about 84,000? Yep. Perfect. Now employer contribution, they still pay you that standard 12% contribution as well into superannuation? Yep. Great. And when it comes through expenses and savings, I have here that last time we spoke, your savings was at around 110 a week. Is that still roughly the case, or do you know if any of that changed? That's about right. Okay. Perfect. Asset and liabilities wise, I have here a motor vehicle valued at about 25,000. Yep. Perfect. And about 4,000 owing on it. Is that correct as well? That's paid off? Okay. Perfect. I'll update that. Now have you had any other changes in regards to your assets at all there? No. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. That's still the case as well? Yep. Perfect. And have you had any changes to your health, any significant health issues or injuries or anything in the last twelve months or all going good? Perfect. And estate planning wise, now, David, do you have a will in place or power of attorney or anything like that? No. When it comes to superannuation, though, I do have two nominations on file. So both for your children, 50% to Hendrick and 50% to Shelby. That's still the case as well? Yep. Great. Now when it comes to goals, so stuff that you are kind of working towards that you are wanting to achieve during the interview is usually a good part point of time to kind of check-in to see how you went, if you have any new goals, or anything else that you need assistance or would like to look at. So last time we spoke to you, your main focus was to pay off the car loan, which you did, so that's great. And other than that, was potentially buy and build a property. Is that still kind of something that you are working towards? Yep. Perfect. Any other goals that you are working towards, financial or nonfinancial at all? That's it? Yeah. No. Perfect. And how far along the journey are you? Have you started speaking to, like, a mortgage broker or anything in regards to any borrowing capacity? No? Okay. If it is that you do need assistance with it when you are wanting to have a look at it, just let us know because we do work closely with some mortgage brokers as well if you do need someone to give you a call to do a bit of a free assessment on your situation as well. Yep. Now the next thing I do run over there with you, David, is just a bit of an updated risk profile questionnaire. And that is just to see if we need to make any changes to your risk profile in your suit of valuation. Now it is just multiple choice questions, so there is no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now have you ever bought direct shares on the stock market yourself? Yes. You don't have any shares or anything at the moment? No. Next is in regards to time frame. So do you have any idea at the moment of when you think you would like to start drawing an income from your super or access your super at all? Okay. So do you think 60 as soon as you can if you stop working? Yes. Okay. So I do have here 67 last time we spoke, so I will just change that to 60 then. Okay. And I have an ideal income per week of about a thousand dollars when you do get $2.67. Is that still achievable, do you think, or do you think you'd need a little bit more? That's fine. Okay. Perfect. Now next is when it comes to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing more, essentially. Now when it comes to your superannuation, how much risk are you willing to take in order to try to keep up with the rising prices? Would you say that you are willing to take very high risk, high moderate, or a small amount of risk for your superannuation? High to moderate. And if you had to kind of lean towards one of them, which one would you be more inclined to? High? Okay. And when it comes to volatility, how would you feel if in six months after placing an investment, you found out that your portfolio have decreased in value by 20% due to general trends in the financial market, but not one particular investment that's gone bad, just the market as a whole. Would you, if you had the option to do so, think that now is a good time to potentially put a little bit more money in while the prices are down, Or would you be kind of a bit more neutral, hold and wait to see what happens? Or would you like to shift to a more secure asset? So that means you are then selling when the prices have already dropped. Investment? Okay. Perfect. And would you invest heavily or modestly? Modestly. Great. And when it comes to fluctuations in any assets, so superannuation or any other assets, if they ever fell in value, how did that make you feel? Would you say optimistic about potential future investment opportunities, a bit more kind of neutral, not making further investments, concerns, or highly anxious? Optimistic. Perfect. And the last one here is in regards to borrowing money. So, David, would you ever consider taking out a loan to invest in stocks or funds? Yep. Okay. Now that tells me here that you have come out kind of borderline between aggressive and high growth. And at the moment, we have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive investor at all? Yeah. How would you describe it? Yeah. Yeah. Well, yeah, basically. So, essentially, it tells me that you are looking at getting, you know, as much growth out of your superannuation while you still have plenty of time until retirement. But at the same time, someone that is comfortable with your experience, some higher levels of fluctuations in the short term in order to kinda grow your superannuation long term. Now when we are also then looking at a asset allocation to how your money is invested, In a typical aggressive post portfolio, we see about 95 to about a 100% in your growth assets. So that will be things like Australian shares, international shares, property, and commodities, and that is what's going to maximize that growth for you. And about five to zero in defensive, like your cash, your gold, your fixed interest. Now the difference then in a high growth, it's about a 10% difference. So you will have about 90 in your growth assets and about 10 in your defenses. Does that make sense so far? Yep. Perfect. And, also, making sure from a time frame point of view that you have enough time in the market. In an aggressive portfolio, ideally, we would like to leave at least ten years on your retirement for making sure that you have enough time in the market for those short term fluctuations. So from a time frame point of view, you you still have that behind you in a aggressive portfolio. If that is still something that you are comfortable with seeing those kind of higher fluctuations with the market, or would you like to look at potentially reducing that down to a high growth? Or what are your thoughts? Yep. Okay. Great. Now, David, do you have access to your emails at the moment? Yep. Okay. So what I have done is I have just sent you an email with some documents to go through if you are able to access that for me. That gives you a bit more breakdown of your current super balance and performance and stuff like that as well for your insurance. So if you could click into the email for me. Now we have this changed software, so it might look a little bit different to what you are potentially used to. But if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything. It will only ask you to add the signature, which is the ongoing service fee at the end. But you can click on the link, and that just allows you to view all the documents that I would like to go through with you. You don't have to sign anything until at the end, and only then if you're comfortable with that. So I'll show you the document that it will ask you to sign when we get to them because there's quite a few documents and not all of them need signing. Yep. That's okay. We can have a bit of a talk about that. If you wanna just click on the link for me though, David, it can show you how your situation is. And if you're not comfortable with it, then I will not get you to find anything at the end. Yep. Okay. Perfect. So can you see the first attachment there in the document? Yeah. And what does that one say just so that I can go through it in the order that you have it in front of you to make it easier? Yep. Beautiful. So at the moment, you have your you have 24, and you do have a a $105,379 in there. Now you said, obviously, you are looking at potentially changing Superfund? Yes. Let me have a look at the document for you. Let me just go into your account just to triple check that the documents were prepared correctly for you. Not yet. You are correct. I'm in your account at the moment, and it looks like the document did have incorrect information. So I will get the team to update those documents after the call and reissue them for you with the correct information. Now in your account right now, it's 260429. Is that what you see as well? Yes. Sorry. Apologies about that. I will get the team to update that straight away after the call for you. But, yes, you are correct. 260429 is in your, Hub twenty four account at the moment. Now you you did say that you are looking at changing Superfunds. Can I ask, have you started the process or your thought process behind it or where you are looking at going? Okay. So fees is the main kind of consideration? Yes. Yes. Yep. Okay. Okay. Yeah. I'm sorry to hear that. Yep. Okay. Okay. And I'm I'm sorry for us to hear that you've had a not so great experience, especially with communication and stuff. That's the last thing we want. Now when it comes to this fees as well, so hub twenty four is sometimes depends on which industry funds you are looking at, but it can be a little bit more expensive from a platform point of view. And the reason is because it is a little bit more of that sophisticated platform that allows you to do a lot more with the investment. So often, obviously, when we are looking at the return on those investments, that tend to still put you in a lot better position after the fee because it gives us that flexibility when it comes to your investment choices. But it can be a little bit more expensive. Now if you are happy for me to do so, it is up to you. I'd be happy to do some some more research on your account, see how much you are like, putting it all into a strategy advice document for you to check exactly the the fees and everything, especially with the investment fees and everything, and compare that to a couple of other industry funds for you, like your more low cost option, and seeing if when we're lower fees that with the investment as well, if that is going to put you in a better position at the end of it. Would you be happy for me to do that, or what are you that? Yeah. And is that mainly a hub 24 or the adviser fee or kind of combination of both? Okay. Yeah. Okay. And, yeah, that's not what we want at the end of the day, and I also have an obligation to follow that best interest duty, which is making sure that the adviser I am recommending for you will put you in a better position. And if I do research on your investments, your hub 24, your adviser fee and everything, and if I can find a more suitable option in another super fund, then I will recommend that for you at the end of the day. But I just want to obviously make sure that I do the research so I can assess everything for you in detail before I do make that recommendation, whatever that might be, as long as it will put you in a better position. Yep. Yeah. Is there any no. And that's is there any specific funds that you have started researching that you would like me to include in that comparison for you? Yep. Yep. Okay. Perfect. Yep. Yep. Okay. Okay. Okay. Yeah. And with your when you when you are looking at your Australian Super and Host Plus, are you also looking at your, like, aggressive portfolios as well, or are you comparing yep. Okay. Perfect. That's good. Because sometimes they don't always have your your aggressive. They have high growth for sure. But if you are looking at the same kind of risk comparison, because sometimes your more aggressive portfolio can be a little bit more expensive as well because you have a little bit more of that active management. So that is good. So I will factor that in in the research for you anyway. Like, I'll look at also if the host plus are aware. To to Oakview Financial. Yes. That's for your investments. So that's for your investment options in Hub twenty four. And with the adviser fee as well, which you will see in the last document later, is I'll get the team to just triple check everything, though, for you just to make sure it's all correct. But the advice fee and why it is going up is because your super balance is going up. So I'm not sure if you remember, obviously, when you when you came on board and did the advice or during last annual review, the advice fee structure And how do I it's still the same, so it hasn't gone up, and that is 1.65% of your super balance. Now as your super balance go up, that fee will go up because it is a percentage of your super balance. Does that make sense? Correct. So that's the only fee that we get. Correct. Yeah. To manage your investments and insurances and stuff. Yeah. Correct. That would be for your investments in Hub 24. Yes. So that would be let me have a look. I would have to triple check your transaction account to know exactly, but often that would be a contribution. So, obviously, your employer puts contributions in through your superannuation, so that will be taxed because of that, and that would be all the time or if there's any way where you have exceeded the cap spaces. Perhaps 80,000, and you're not making an additional contribution to your employer. Yeah. Then you shouldn't exceed that. So you wouldn't say that. But I can part of the the research just investigate that for you. It's just through Metro and go through all the transactions just to triple check all of that for you. And do you know as well in your hub 24 how you can pull, like, the different reports to see everything as well? So that would be taxed from within your superannuation. So I would have to triple check exactly what it is in regards to, and I will let you know. But often, that would be, like, contributions and stuff going into superannuation because of the tax. So that would always be be the case regard tax within your superannuation because contributions and everything going into super is still tax. It is concessionally, but only at 15%. It will go through like, it will be within the hub like, within your super funds. So it will be, like, taxed within within that, that gets paid. Not not not to where you wouldn't get anything. It will be all within the the super fund, and then they would obviously pay tax within the super fund, and then they are liable to pay things to the HEO as well, how that system works. But yeah. No. That would not be to us or anything like that. But I will triple check exactly. I will go through a bit more extensive when I do the research on all your transactions just to make sure that all looks good for you as well. Am I what? Sorry? Yes. I can if you would like to. So in the so what I meant was the report. Sorry. In your hub 24, are you on the account at the moment? Yep. So a good way as well, especially to because the good thing with hub twenty four is that gives you all that transparency that you can pull a lot of different reports. So do you have at the top where you have, like, three little dot points? And it will give you, like, a drop down of portfolio, reports, withdrawals, investments. Can you see that? Yep. So where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at. So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction. So there's a lot of really good thing within the Hub 24 app that gives you kind of that transparency when it comes through all your investments and everything like that. But talking about your investments, if you go back into the email for me let me see here. Seems like there's, like, a little bit of a glitch here for me. What I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you. But while you are in the portal, we can actually have a look at it, and it's the one that's called performance with IRR. Can you see that little function? Yep. Perfect. Now you can pull usually, we look at a twelve month period, but it will allow you to do a lot of different date ranges depending on what you wanna look at. But, typically, for the under review, we do look at a twelve month period. Let me just wait for that to load. Yeah. So that is internal rate of return. Now let me just wait for my computer to load here. It does take a little bit of a minute. Sorry. Just bear with me. My computer's leaning a little bit slow here. I'm just trying to download this one. Could you find that function okay on your end? Yeah. Okay. So that one here. So if you through the twelve month period, you will see from the 06/16/2025 through the 06/15/2026. And did it give you a bit of a report, like a PDF version popped down when you clicked on the internal rate of return? Okay. Because I just did the twelve month from today. So just from the June 16 to '25 to 06/15/2026, but I can send you this report after so you have that twelve month report that I'm looking at as well. But to give you kind of an update on your investments and everything like that, now in the last twelve months, this shows you how your return of your investments have been. Now you are obviously in an aggressive portfolio, so we do see a bit of fluctuations because of it, especially when there's a bit of market fluctuations. Now despite that, though, and I will send you this report, and so I will send you a new updated email afterwards, that tells us that in the last twelve months, now this is just return on your investment. So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months. But I will send you this document so you can have a look at that as well, but it does break down all your investments and how they have performed. Now when I do send it through to you, you will have a bit of a look that most of your investments have done really well. But there is one investment that part of the research I would like to look at swapping for you, and that is your Benelung Australian equity fund. You can probably see even though you have a different time frames, it would be similar where that one is down at the moment. And it can fluctuate because it is a managed fund, but the purpose of it is to actively buy and sell different investments in order to kinda outperform the market. Now they have done really well and been very successful at doing so, but more recently, they have been a little bit slower in making those decisions. And the investment committee do research all the time on the investment. And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be. So part of the research is that I will consider swapping that one for another option to Ben along Australian equity. Yep. Raffy? Yep. Yep. So it's the one above that. Sorry. The app the absolute first one. Above global cybersecurity? Can you see Okay. I was yeah. Okay. Perfect. I was like, I can see it here, but I'll send you these documents anyway in case it's looking different. So, yes, that's the one. That one is underperforming a little bit. So I would like through part of the research to consider switching that one for you. But I would like to do the research because I wanna assess especially capital gains tax implications. Every time we do sell an investment, there will be capital gains tax. So I wanna assess all of that for you before I make a recommendation and put it all into a document so you can see exactly what all the potential fees would be, how that would change things from a total overview fee point of view as well as well as the return. So I want to do that kind of a bit more extensive, put it all in a document for you if I do find some other options to switch it for and let you know. Yep. But you can see probably the other ones there that you can see that they've done pretty good, and that it, again, is considering that you are in a aggressive portfolio. So see a bit of those short term fluctuations. So, overall, like I said, we've had a bit of, obviously, turbulent in the market. Your portfolio has done really good at 11.84% after fee because that is what we also so that is on page yep. Sorry. That is a good question. So on page two, now if you have a different time frame on to me, then you will have a different phase. You will have a different result. So because my report that I just pulled is twelve months, so 06/16/2025 to 06/15/2026, Where it shows is the second column to the right on page two where it says internal rate of return. So that will have for me, and I will send you this, like I said, after the email sorry. After the call, I will send you all of documents so you can see exactly all of them, and I can send you a separate fee report as well for the same period so that you can see the exact breakdown of all the fees, how much in the last twelve months was paid as adviser fees and investment fees and account fees and everything. So you can see the full breakdown, but I will include it when I do the the research proposal for you anyway. But then this way, you will have a report of it sooner as well, if that would be helpful for you. Yep. Okay. Note three. So for for me, the report I have, it is exactly the same because I have a twelve month period. Now if you've pulled one that's not twelve months, the internal rate of return for number two will show you the time frame that you pull the report versus note three is then showing you a twelve month period. So that would be the difference between those. But because I did twelve months, it's exactly the same for me. Yeah. So that is a very good question. Yep. Okay. Perfect. Now like I said, David, I will go and do some research on your investment. Put a proposal together for you where you can see everything. Now the other thing is just your insurances as well. So you do have some insurances with MetLife. Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund? Correct. So you have you have a little bit of everything. So part of the document that I will send you afterwards as well, it will break down all of that in detail for you when the system is cooperating with me. Cooperating with me. Now what you have at the moment, so you have insurances paid from within hub twenty four. So if it is that you want to change super funds, you'd have to be mindful of the insurances. Because let's say you cancel hub twenty four, because that is where your MetLife insurances are paid for. If there's no funds for it, they can get canceled unless you change where they get paid from. But what you have at the moment, which, like I said, I will send to you after the call so that you have all that information, is that you have 320,000 worth of life cover. So that is if something were to happen to you and you would pass away, that would then be paid to your kid. You also have 320,000 worth of total permanent disability insurance. So that is if something were to happen to you and you were to become totally and permanently disabled and could never go back to work again. That would then be paid up to you. Okay? And then you also have an income protection policy. Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work. Now that pays you a monthly amount, and that will be $4,900 on a monthly basis. You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid. And then you have a two year benefit period, which means that it will be for a two year up to two years, you could be on this income protection policy for if you are eligible. Does that make sense? Yep. Perfect. Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per. What was that? Sorry, David. I you just cut out a little bit for me. Correct. Correct. So every year, you have to pay that 2,320 in order to have that cover in place if something were to happen. Yep. Now do you have any questions in regards to your insurances? Part of the reason Mhmm. Correct. Correct. Yes. 2,320 and 56¢. It will also be on the document that I will reissue to you after the call today so you have it all in writing as well. Correct. Yes. Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover? Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen? Correct. Correct. You have to pay more. And then because the good thing with the type of cover you have in place, which is why it's it's very different to your standard, like, group cover, that would be, like, your default cover option with, like, or suit for a host plus and stuff. It's very different. The the MetLife insurance is is tailored to you. So when you applied for the cover, you went through a bit of a questionnaire answering your lifestyle, income, health, anything like that. Do you remember that? Yep. Sorry. What that basically was is that you then looked into a contract with MetLife, and they can't just go and change your insurances for you. And anything that would happen to you medically or illness or if you take up a super risky occup a hobby or anything like that, you are covered for. So it gives you that certainty because it's already kind of locked in and put in place. So it's very tailored specifically to you. Whereas your standard kind of group cover, they just assess it at the time of claim if you are eligible for the payout depending on your health and occupation and stuff like that. Yep. Any questions when it comes to those insurances there, David? I can by reducing how much you will get paid out if something were to happen, but that would basically be the way. So if you if you feel like you don't need 320,000 or that level of income, I can get quotes of reducing it. But, obviously, that would mean that if something were to happen, you're not gonna have as much cover if something were to happen. But that would kind of be the way to reduce the cover, the premium. Yep. Would you like me to look at getting any quotes, or are you happy for the time being with that amount? Okay. Perfect. Now part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document. It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market. Now you will also have an updated financial services guide. That one, you probably would have seen a couple of times. It is just an updated document. It does give you all the important information in regards to us here at Oakview Financial. Gives you some information about the team, our director's advices. Everything is in there for you if you would like to have a bit of a read over it. Then the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement. But don't sign anything that you have now. I will get that all fixed and updated for you, which is the the fee we mentioned, which is then your ongoing service agreement. Now that form is to say that you are happy to stay on as a client, but I'm happy to do, obviously, the research and everything for you first in a bit more detail before, obviously, get you to commit to anything and seeing how you are feeling. And it is not a lock in contract at all. So even if you were to go, okay. After the research, you are happy to stay on for a little bit, it is not a lock in contract. You can cancel it whenever you want to. There is no exit fee. And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost. It does come out like you would have seen in your account on a monthly basis. So it is only deducted on a monthly basis for you. Does that make sense? Yep. K. Perfect. Now, David, it will take me about a week or so to put together all of this research for you. So do you have any time sometimes sometime at the end of next week around Wednesday, potentially, for me to give you a call? Yeah. Okay. Perfect. Now what I will do as well is when I do call so we don't have the same issue with the phone not coming through, I'll call you twice, and then I will send you if for some reason it doesn't go through, and I will also send you it's usually text or email. What's the the quickest for you usually? Okay. Perfect. I will do via the phone, and if there's some issues, I will just try calling twice and try to leave a voice mail. Hopefully, it was just this time around that the phone was having a bit of a glitch. Now Wednesday at the moment, I have afternoon appointment. Do you have any particular time on Wednesday that would work best for you? So that'll be Wednesday, the twenty fourth. Okay. Let me see. I could do 02:00. Would that be okay? Yes. Okay. Perfect. Well, I booked that in on Wednesday, June 24 at 2PM for you. I will do, like I said, a bit more in-depth in regards to all the fees, performance, and everything like that. Put a bit of a proposal together if I feel like we should change anything. Part of the research, like I said, I will also consider a range of different industry funds to show you would, okay, if you do wanna go to host plus or super, what's going to be the tax that you potentially have to pay to move? What are the fees and what are the returns so that you can have all the information in front of you before you do make a decision on what you would like to do moving forward? Yep. Like I said as well, I will get the team to send you a new document. So it'd be a new digital link. Again, it will allow you so when you click on the link, it's not going to ask you to sign right away. You can see all the documents that I kind of went through today. The performance, it will show you the the super balance and your insurances and everything. So you're welcome to go and have a look at that as well. And if you have any further questions, just give me a call. But, otherwise, I will give you a call on Wednesday, June 24 at 2PM. I would I would have to just check with the team who prepared the documents. So I'll go and speak to them after the call today and just triple check that for you. Mhmm. Yes. So, usually, if you just click on home, it should take you back to, like, your home screen. Yes. But 260429. Yep. But I will put that I will get there. I will go and speak to the team and get those updated. So I will cancel the one that I have sent you at the moment. So, obviously, don't do anything with that. I'll go and cancel it, and I will get it reissued through you. You should have it within the next thirteen minutes in your inbox. So keep a little lookout for that one. Like I said, it will ask you to click on the link again. You can still view all the documents, and it's not going to get you to sign anything until the end, but you don't have to. Yep. The Benelon potentially. Yep. Where we were, like, looking at the transactions. So if you go if you go into those three little dot points again, it should have account reports. Or even on the home screen, sometimes you can scroll down. Okay. Potentially, but I'd need to do the research before I can tell you what I suggest that you do. Yes. Yes. So from the investment committee, because they obviously do research on the investments all the time, is that it has been underperforming a little bit recently. And if that is the case, then we want to go and do more research on the investment. But I won't say, obviously, do this or do that without putting everything putting a formal recommendation together and do all that research with, you know, the fees and the returns and capital gains tax and everything before I tell you what I think we should do. Yeah. So the one that I can see here is when I just looked at the twelve month period. So we can see that even on, like, the gain and losses, you can see that it is, yeah, down a little bit, but all the other ones are positive. But it's just enough for me to go, okay. Well, we wanna go and investigate a little bit more just to make sure we have you in the best option. Because if we when the investment sorry? Yeah. So we wanna make sure I do a bit more in-depth in regards to that investment to make sure it's still going to be the best one for you. Because sometimes if an investment is down, if it's a bit of, like, a cyclical trend with what is going on, we don't also wanna sell when things are down if we proceed coming back around. But if we see that there's going to be potentially other best options that's going to, you know, improve their returns and especially those fees that you're talking about, if I can find something that's cheaper and still still give you a similar outcome, then I wanna assess that for you to try and to reduce those fees as much as possible by not compromising on the returns and your retirement outcome. Yep. Yes. Yep. Let me check. 39,784 is what I have in front of me. But if you have a different different times yeah. Well, that much that was how much you had in that investment option at the start of that period. Now the start of my period was June 16. So, obviously, if you had a different start period, it will be like that was how much you had invested in that investment option at the time. Mhmm. So that was how much what was bought into that investment for you? Yep. Correct. Correct. Correct. Yes. Yep. Will be income derived from those investments. That's income derived from those investments. And it Yep. Correct. Yep. Yep. That's growth on your investments. Correct. Yes. So bracket means it's negative, and if there's no bracket, that means it's positive. Correct. Yes. Yes. So that's why I do wanna look into that one in a little bit more detail for you. Mhmm. Yep. No. You don't have to at all. It's obviously when we put together the portfolio, there's a lot of things that goes into putting a portfolio together. And a lot of it first is making sure that we align with your risk profile. So that aggressive that we do wanna have majority of your fund in your growth investment. And then you wanna also make sure you look at a lot of diversification and if that elements through the. If you have everything in, let's say, one investment option, obviously, it's not very diversified. So let's say if everything was in bed along, then, obviously, that would have you know, when it's doing really good, it's doing really, really good. But when it's doing not so good, like, at the moment, then that would mean that everything will be in that investment option. So we wanna make sure we diversify things for you. So if something happens to one investment, it spreads out that risk. Does that make sense? Yeah. Yeah. No. You the good thing with Hub twenty four is that there's hundreds of different options if you wanted to. But then at the same time, you know, we we consider, well, it might not be worth having, like, a $2 in one investment option. Sorry. There's a lot that goes into it, but, no, we'd have 24. There's no restrictions on how many investment options. There are sometimes limitations on how much you can have in one investment option. So some of the investment options have a cap where you can only have, let's say, 30% invested in there till 35%. Some has 40. Some has less depending on what the investment option are of how much you can have into one particular option. Mhmm. Mhmm. Yep. Yes. So if you so there's two ways when we do advise. So, obviously, we I wanna make sure we do the research and recommend whatever is going to be the best for you and assess everything in detail. At the same time, if there's something specifically that you want so let's say you tell me, I just want to sell out of Benelung, and I wanna put everything in and I don't want advice, then we can do it under a transaction without advice. And that's just to say that you have requested for this to take place without us providing advice whether that will be a good or bad option. No. Nope. Nope. No. It's just when the portfolio manager put together the portfolios, they obviously wanna make sure they obviously have a different philosophy on how they put together everything. And part of it, again, is diversification, different industries, different sectors, different emerging markets when they put together the portfolio. But there is no you must have at all. The only thing is that there is a cash balance on the account. The hub twenty four does require a minimum cash balance of 1 to 5¢ on your super, and that is just for, you know, fees insurances and stuff like that. But other than that, no. There's no you have to have any particular investment at all. Mhmm. Percent? Yep. So that that does change all the time depending on when fees come out, when insurances come out, when your contributions go in, and when it gets invested. So with the hub 24, they automatically adjust all of that as things kind of go into your account, but also as investments fluctuate. So if you ever get, like, a report from them saying there's too little cash or anything like that, you don't have to worry about it because it's all set in the back end, and it all evens out with everything for you. Yeah. Mhmm. Yep. Yep. You don't have to worry about it because it gets evened out in the back end, and the team who manages everything do have all of that that they're aware of. So it this is something that they sent to let you know, but it does automatically it evens it out for you. So, yes, you don't have to stress or worry about that one. Hub twenty four don't do straight into crypto. The only investment option that they have into there is the one they have one investment option that's called crypto. It's not directly into crypto, but it does invest in companies who does invest in crypto. That is kind of the only option available in Hub twenty four. It's something I can consider for you. Typically, it's not something we'd like too too much because there's not actually underlying assets, and it's very it fluctuates a lot. But if that is something that you specifically tell me, I want this as Mike, then we can look at it. But does that answer that question? Yeah. Yeah. No. Yeah. Of course. Yeah. Yep. Yeah. So there's there's a lot of different options. So within each of your investment options, some of them have hundreds and hundreds of underlying investment options. So when I go through the research with you, I can, part of it, give you all that research material if you would like to know all of it because there's a lot. Sorry. It's not like one option. It's in one company. Like, for example, the usually, the easiest one is can you see let me see here if I can get it up for you again. Just bear with me. You see the beta s p 500 equal? So the one that says yep. For example, that one invests in 500 companies. So very diversified. So, again, when I reassess the investments for you, I can make sure that I also provide all the research materials for all of them and that we spend a little bit of extra time onto the investment for, you know, what's exactly into all of them. And like I said, I can give you all the research reports for every single one of them and what's included in all of them because there's there's a lot. Yeah. Yeah. Mhmm. Yes. Exactly. They're all ETFs. So they all it's not just, like, one company. No. It's not. Yep. Yeah. Yes. Yeah. That's also an ETF. So all of them is ETF aside from that Benelon at the top, which is your managed funds. Yeah. Correct. So so on Wednesday, I'll go through with you over the phone as well so then we can talk about it as well. Because I wanna make sure I go through all of it with you, but I will also send you a document at the same time and go through it together. And part of that is I'll point out if I do suggest that we change anything, which one it is and why. So so you have that document in front of you at the same time as I go through it with you, and you obviously have time after the call to have a read over as well because I don't wanna occupy too much of your time either. Yeah. Yeah. Perfect. Yeah. No. That's okay. So just to recap, David, I will give you a call on Wednesday, June 24 at 2PM. And if I have the same issue with the phone, I'll just try to call you twice. Hopefully, it was just a bit of a glitch right now, or I'll try from one of my colleague's phones as well just to just to make sure, but I will call you. And after the call, I will also, within about thirty minutes, keep a look at your inbox, and I will get the team to reissue those documents that I kind of went through over with you today because the system seems to have a bit of a glitch, and I'll go and talk to them as well and triple check that information before we send it to you. Yep. No. That is no problem at all. Yep. Correct. Yes. Beautiful. No. That is no problem at all. Thank you so much for your time today, David. And I look forward to speaking with you next Wednesday, the twenty fourth as well. But if you need anything in the meantime or have any other questions, don't hesitate to call the office or send me an email. Okay? No problem at all. We'll speak next week. Okay. 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afternoon. This is Monica speaking. Hi. How are you? Good.\n\nThanks for returning my callback. You didn't get my call? Because I let me just triple check your number. 0424573002? Yeah.\n\nNo. Strange. Yeah. Because I called at 01:30. It went straight to voice mail, and I did leave a voice message as well.\n\nI thought that's why you called back. Oh, that's strange. Yeah. Oh, that's very weird, but I'm glad you called anyway. That's strange.\n\nI'll have a look through IT if there's a bit of an issue with their with their phone system. But, yeah, it just went straight to your voice mail. So I was like, oh, you must be on the phone maybe. But, yeah, good that you called back anyway. You still have time for your annual review?\n\nYep. Yep. Beautiful. Now before I do kind of jump in two things further, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of an update and kind of touch base to see where everything's at? Yep.\n\nYeah. We'll see how we go. Yeah. Okay. Beautiful.\n\nNow what I might do first there, David, is just to run through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So just bear with me as I go through this first. Now when it comes to your personal information, I have you down here as single with two financial dependents. Is that correct? Yep.\n\nOne financial. And then one's a bit older? Yep. Okay. Perfect.\n\nNow I don't actually have a next option on file for you. So in the event, for some reason, if we can't contact you, who is someone that you would like us to contact? And that can be anybody. Shelby. Perfect.\n\nAnd does she have the same last name as you? Perfect. And best contact number for her, please? Yep. Sorry.\n\nJust cut out that word. Did you say double? Yep. 134. Amazing.\n\nThank you so much. Now when it comes to your occupation, has any of that changed, or are you still working as a building surveyor? Yep. Perfect. Still working full time for the same employer earning about 84,000?\n\nYep. Perfect. Now employer contribution, they still pay you that standard 12% contribution as well into superannuation? Yep. Great.\n\nAnd when it comes through expenses and savings, I have here that last time we spoke, your savings was at around 110 a week. Is that still roughly the case, or do you know if any of that changed? That's about right. Okay. Perfect.\n\nAsset and liabilities wise, I have here a motor vehicle valued at about 25,000. Yep. Perfect. And about 4,000 owing on it. Is that correct as well?\n\nThat's paid off? Okay. Perfect. I'll update that. Now have you had any other changes in regards to your assets at all there?\n\nNo. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. That's still the case as well? Yep.\n\nPerfect. And have you had any changes to your health, any significant health issues or injuries or anything in the last twelve months or all going good? Perfect. And estate planning wise, now, David, do you have a will in place or power of attorney or anything like that? No.\n\nWhen it comes to superannuation, though, I do have two nominations on file. So both for your children, 50% to Hendrick and 50% to Shelby. That's still the case as well? Yep. Great.\n\nNow when it comes to goals, so stuff that you are kind of working towards that you are wanting to achieve during the interview is usually a good part point of time to kind of check-in to see how you went, if you have any new goals, or anything else that you need assistance or would like to look at. So last time we spoke to you, your main focus was to pay off the car loan, which you did, so that's great. And other than that, was potentially buy and build a property. Is that still kind of something that you are working towards? Yep.\n\nPerfect. Any other goals that you are working towards, financial or nonfinancial at all? That's it? Yeah. No.\n\nPerfect. And how far along the journey are you? Have you started speaking to, like, a mortgage broker or anything in regards to any borrowing capacity? No? Okay.\n\nIf it is that you do need assistance with it when you are wanting to have a look at it, just let us know because we do work closely with some mortgage brokers as well if you do need someone to give you a call to do a bit of a free assessment on your situation as well. Yep. Now the next thing I do run over there with you, David, is just a bit of an updated risk profile questionnaire. And that is just to see if we need to make any changes to your risk profile in your suit of valuation. Now it is just multiple choice questions, so there is no right or wrong answer.\n\nIt's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now have you ever bought direct shares on the stock market yourself?\n\nYes. You don't have any shares or anything at the moment? No. Next is in regards to time frame. So do you have any idea at the moment of when you think you would like to start drawing an income from your super or access your super at all?\n\nOkay. So do you think 60 as soon as you can if you stop working? Yes. Okay. So I do have here 67 last time we spoke, so I will just change that to 60 then.\n\nOkay. And I have an ideal income per week of about a thousand dollars when you do get $2.67. Is that still achievable, do you think, or do you think you'd need a little bit more? That's fine. Okay.\n\nPerfect. Now next is when it comes to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing more, essentially. Now when it comes to your superannuation, how much risk are you willing to take in order to try to keep up with the rising prices? Would you say that you are willing to take very high risk, high moderate, or a small amount of risk for your superannuation?\n\nHigh to moderate. And if you had to kind of lean towards one of them, which one would you be more inclined to? High? Okay. And when it comes to volatility, how would you feel if in six months after placing an investment, you found out that your portfolio have decreased in value by 20% due to general trends in the financial market, but not one particular investment that's gone bad, just the market as a whole.\n\nWould you, if you had the option to do so, think that now is a good time to potentially put a little bit more money in while the prices are down, Or would you be kind of a bit more neutral, hold and wait to see what happens? Or would you like to shift to a more secure asset? So that means you are then selling when the prices have already dropped. Investment? Okay.\n\nPerfect. And would you invest heavily or modestly? Modestly. Great. And when it comes to fluctuations in any assets, so superannuation or any other assets, if they ever fell in value, how did that make you feel?\n\nWould you say optimistic about potential future investment opportunities, a bit more kind of neutral, not making further investments, concerns, or highly anxious? Optimistic. Perfect. And the last one here is in regards to borrowing money. So, David, would you ever consider taking out a loan to invest in stocks or funds?\n\nYep. Okay. Now that tells me here that you have come out kind of borderline between aggressive and high growth. And at the moment, we have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive investor at all?\n\nYeah. How would you describe it? Yeah. Yeah. Well, yeah, basically.\n\nSo, essentially, it tells me that you are looking at getting, you know, as much growth out of your superannuation while you still have plenty of time until retirement. But at the same time, someone that is comfortable with your experience, some higher levels of fluctuations in the short term in order to kinda grow your superannuation long term. Now when we are also then looking at a asset allocation to how your money is invested, In a typical aggressive post portfolio, we see about 95 to about a 100% in your growth assets. So that will be things like Australian shares, international shares, property, and commodities, and that is what's going to maximize that growth for you. And about five to zero in defensive, like your cash, your gold, your fixed interest.\n\nNow the difference then in a high growth, it's about a 10% difference. So you will have about 90 in your growth assets and about 10 in your defenses. Does that make sense so far? Yep. Perfect.\n\nAnd, also, making sure from a time frame point of view that you have enough time in the market. In an aggressive portfolio, ideally, we would like to leave at least ten years on your retirement for making sure that you have enough time in the market for those short term fluctuations. So from a time frame point of view, you you still have that behind you in a aggressive portfolio. If that is still something that you are comfortable with seeing those kind of higher fluctuations with the market, or would you like to look at potentially reducing that down to a high growth? Or what are your thoughts?\n\nYep. Okay. Great. Now, David, do you have access to your emails at the moment? Yep.\n\nOkay. So what I have done is I have just sent you an email with some documents to go through if you are able to access that for me. That gives you a bit more breakdown of your current super balance and performance and stuff like that as well for your insurance. So if you could click into the email for me. Now we have this changed software, so it might look a little bit different to what you are potentially used to.\n\nBut if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything. It will only ask you to add the signature, which is the ongoing service fee at the end. But you can click on the link, and that just allows you to view all the documents that I would like to go through with you. You don't have to sign anything until at the end, and only then if you're comfortable with that. So I'll show you the document that it will ask you to sign when we get to them because there's quite a few documents and not all of them need signing.\n\nYep. That's okay. We can have a bit of a talk about that. If you wanna just click on the link for me though, David, it can show you how your situation is. And if you're not comfortable with it, then I will not get you to find anything at the end.\n\nYep. Okay. Perfect. So can you see the first attachment there in the document? Yeah.\n\nAnd what does that one say just so that I can go through it in the order that you have it in front of you to make it easier? Yep. Beautiful. So at the moment, you have your you have 24, and you do have a a $105,379 in there. Now you said, obviously, you are looking at potentially changing Superfund?\n\nYes. Let me have a look at the document for you. Let me just go into your account just to triple check that the documents were prepared correctly for you. Not yet. You are correct.\n\nI'm in your account at the moment, and it looks like the document did have incorrect information. So I will get the team to update those documents after the call and reissue them for you with the correct information. Now in your account right now, it's 260429. Is that what you see as well? Yes.\n\nSorry. Apologies about that. I will get the team to update that straight away after the call for you. But, yes, you are correct. 260429 is in your, Hub twenty four account at the moment.\n\nNow you you did say that you are looking at changing Superfunds. Can I ask, have you started the process or your thought process behind it or where you are looking at going? Okay. So fees is the main kind of consideration? Yes.\n\nYes. Yep. Okay. Okay. Yeah.\n\nI'm sorry to hear that. Yep. Okay. Okay. And I'm I'm sorry for us to hear that you've had a not so great experience, especially with communication and stuff.\n\nThat's the last thing we want. Now when it comes to this fees as well, so hub twenty four is sometimes depends on which industry funds you are looking at, but it can be a little bit more expensive from a platform point of view. And the reason is because it is a little bit more of that sophisticated platform that allows you to do a lot more with the investment. So often, obviously, when we are looking at the return on those investments, that tend to still put you in a lot better position after the fee because it gives us that flexibility when it comes to your investment choices. But it can be a little bit more expensive.\n\nNow if you are happy for me to do so, it is up to you. I'd be happy to do some some more research on your account, see how much you are like, putting it all into a strategy advice document for you to check exactly the the fees and everything, especially with the investment fees and everything, and compare that to a couple of other industry funds for you, like your more low cost option, and seeing if when we're lower fees that with the investment as well, if that is going to put you in a better position at the end of it. Would you be happy for me to do that, or what are you that? Yeah. And is that mainly a hub 24 or the adviser fee or kind of combination of both?\n\nOkay. Yeah. Okay. And, yeah, that's not what we want at the end of the day, and I also have an obligation to follow that best interest duty, which is making sure that the adviser I am recommending for you will put you in a better position. And if I do research on your investments, your hub 24, your adviser fee and everything, and if I can find a more suitable option in another super fund, then I will recommend that for you at the end of the day.\n\nBut I just want to obviously make sure that I do the research so I can assess everything for you in detail before I do make that recommendation, whatever that might be, as long as it will put you in a better position. Yep. Yeah. Is there any no. And that's is there any specific funds that you have started researching that you would like me to include in that comparison for you?\n\nYep. Yep. Okay. Perfect. Yep.\n\nYep. Okay. Okay. Okay. Yeah.\n\nAnd with your when you when you are looking at your Australian Super and Host Plus, are you also looking at your, like, aggressive portfolios as well, or are you comparing yep. Okay. Perfect. That's good. Because sometimes they don't always have your your aggressive.\n\nThey have high growth for sure. But if you are looking at the same kind of risk comparison, because sometimes your more aggressive portfolio can be a little bit more expensive as well because you have a little bit more of that active management. So that is good. So I will factor that in in the research for you anyway. Like, I'll look at also if the host plus are aware.\n\nTo to Oakview Financial. Yes. That's for your investments. So that's for your investment options in Hub twenty four. And with the adviser fee as well, which you will see in the last document later, is I'll get the team to just triple check everything, though, for you just to make sure it's all correct.\n\nBut the advice fee and why it is going up is because your super balance is going up. So I'm not sure if you remember, obviously, when you when you came on board and did the advice or during last annual review, the advice fee structure And how do I it's still the same, so it hasn't gone up, and that is 1.65% of your super balance. Now as your super balance go up, that fee will go up because it is a percentage of your super balance. Does that make sense? Correct.\n\nSo that's the only fee that we get. Correct. Yeah. To manage your investments and insurances and stuff. Yeah.\n\nCorrect. That would be for your investments in Hub 24. Yes. So that would be let me have a look. I would have to triple check your transaction account to know exactly, but often that would be a contribution.\n\nSo, obviously, your employer puts contributions in through your superannuation, so that will be taxed because of that, and that would be all the time or if there's any way where you have exceeded the cap spaces. Perhaps 80,000, and you're not making an additional contribution to your employer. Yeah. Then you shouldn't exceed that. So you wouldn't say that.\n\nBut I can part of the the research just investigate that for you. It's just through Metro and go through all the transactions just to triple check all of that for you. And do you know as well in your hub 24 how you can pull, like, the different reports to see everything as well? So that would be taxed from within your superannuation. So I would have to triple check exactly what it is in regards to, and I will let you know.\n\nBut often, that would be, like, contributions and stuff going into superannuation because of the tax. So that would always be be the case regard tax within your superannuation because contributions and everything going into super is still tax. It is concessionally, but only at 15%. It will go through like, it will be within the hub like, within your super funds. So it will be, like, taxed within within that, that gets paid.\n\nNot not not to where you wouldn't get anything. It will be all within the the super fund, and then they would obviously pay tax within the super fund, and then they are liable to pay things to the HEO as well, how that system works. But yeah. No. That would not be to us or anything like that.\n\nBut I will triple check exactly. I will go through a bit more extensive when I do the research on all your transactions just to make sure that all looks good for you as well. Am I what? Sorry? Yes.\n\nI can if you would like to. So in the so what I meant was the report. Sorry. In your hub 24, are you on the account at the moment? Yep.\n\nSo a good way as well, especially to because the good thing with hub twenty four is that gives you all that transparency that you can pull a lot of different reports. So do you have at the top where you have, like, three little dot points? And it will give you, like, a drop down of portfolio, reports, withdrawals, investments. Can you see that? Yep.\n\nSo where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at. So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction. So there's a lot of really good thing within the Hub 24 app that gives you kind of that transparency when it comes through all your investments and everything like that. But talking about your investments, if you go back into the email for me let me see here. Seems like there's, like, a little bit of a glitch here for me.\n\nWhat I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you. But while you are in the portal, we can actually have a look at it, and it's the one that's called performance with IRR. Can you see that little function? Yep. Perfect.\n\nNow you can pull usually, we look at a twelve month period, but it will allow you to do a lot of different date ranges depending on what you wanna look at. But, typically, for the under review, we do look at a twelve month period. Let me just wait for that to load. Yeah. So that is internal rate of return.\n\nNow let me just wait for my computer to load here. It does take a little bit of a minute. Sorry. Just bear with me. My computer's leaning a little bit slow here.\n\nI'm just trying to download this one. Could you find that function okay on your end? Yeah. Okay. So that one here.\n\nSo if you through the twelve month period, you will see from the 06/16/2025 through the 06/15/2026. And did it give you a bit of a report, like a PDF version popped down when you clicked on the internal rate of return? Okay. Because I just did the twelve month from today. So just from the June 16 to '25 to 06/15/2026, but I can send you this report after so you have that twelve month report that I'm looking at as well.\n\nBut to give you kind of an update on your investments and everything like that, now in the last twelve months, this shows you how your return of your investments have been. Now you are obviously in an aggressive portfolio, so we do see a bit of fluctuations because of it, especially when there's a bit of market fluctuations. Now despite that, though, and I will send you this report, and so I will send you a new updated email afterwards, that tells us that in the last twelve months, now this is just return on your investment. So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months. But I will send you this document so you can have a look at that as well, but it does break down all your investments and how they have performed.\n\nNow when I do send it through to you, you will have a bit of a look that most of your investments have done really well. But there is one investment that part of the research I would like to look at swapping for you, and that is your Benelung Australian equity fund. You can probably see even though you have a different time frames, it would be similar where that one is down at the moment. And it can fluctuate because it is a managed fund, but the purpose of it is to actively buy and sell different investments in order to kinda outperform the market. Now they have done really well and been very successful at doing so, but more recently, they have been a little bit slower in making those decisions.\n\nAnd the investment committee do research all the time on the investment. And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be. So part of the research is that I will consider swapping that one for another option to Ben along Australian equity. Yep. Raffy?\n\nYep. Yep. So it's the one above that. Sorry. The app the absolute first one.\n\nAbove global cybersecurity? Can you see Okay. I was yeah. Okay. Perfect.\n\nI was like, I can see it here, but I'll send you these documents anyway in case it's looking different. So, yes, that's the one. That one is underperforming a little bit. So I would like through part of the research to consider switching that one for you. But I would like to do the research because I wanna assess especially capital gains tax implications.\n\nEvery time we do sell an investment, there will be capital gains tax. So I wanna assess all of that for you before I make a recommendation and put it all into a document so you can see exactly what all the potential fees would be, how that would change things from a total overview fee point of view as well as well as the return. So I want to do that kind of a bit more extensive, put it all in a document for you if I do find some other options to switch it for and let you know. Yep. But you can see probably the other ones there that you can see that they've done pretty good, and that it, again, is considering that you are in a aggressive portfolio.\n\nSo see a bit of those short term fluctuations. So, overall, like I said, we've had a bit of, obviously, turbulent in the market. Your portfolio has done really good at 11.84% after fee because that is what we also so that is on page yep. Sorry. That is a good question.\n\nSo on page two, now if you have a different time frame on to me, then you will have a different phase. You will have a different result. So because my report that I just pulled is twelve months, so 06/16/2025 to 06/15/2026, Where it shows is the second column to the right on page two where it says internal rate of return. So that will have for me, and I will send you this, like I said, after the email sorry. After the call, I will send you all of documents so you can see exactly all of them, and I can send you a separate fee report as well for the same period so that you can see the exact breakdown of all the fees, how much in the last twelve months was paid as adviser fees and investment fees and account fees and everything.\n\nSo you can see the full breakdown, but I will include it when I do the the research proposal for you anyway. But then this way, you will have a report of it sooner as well, if that would be helpful for you. Yep. Okay. Note three.\n\nSo for for me, the report I have, it is exactly the same because I have a twelve month period. Now if you've pulled one that's not twelve months, the internal rate of return for number two will show you the time frame that you pull the report versus note three is then showing you a twelve month period. So that would be the difference between those. But because I did twelve months, it's exactly the same for me. Yeah.\n\nSo that is a very good question. Yep. Okay. Perfect. Now like I said, David, I will go and do some research on your investment.\n\nPut a proposal together for you where you can see everything. Now the other thing is just your insurances as well. So you do have some insurances with MetLife. Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund? Correct.\n\nSo you have you have a little bit of everything. So part of the document that I will send you afterwards as well, it will break down all of that in detail for you when the system is cooperating with me. Cooperating with me. Now what you have at the moment, so you have insurances paid from within hub twenty four. So if it is that you want to change super funds, you'd have to be mindful of the insurances.\n\nBecause let's say you cancel hub twenty four, because that is where your MetLife insurances are paid for. If there's no funds for it, they can get canceled unless you change where they get paid from. But what you have at the moment, which, like I said, I will send to you after the call so that you have all that information, is that you have 320,000 worth of life cover. So that is if something were to happen to you and you would pass away, that would then be paid to your kid. You also have 320,000 worth of total permanent disability insurance.\n\nSo that is if something were to happen to you and you were to become totally and permanently disabled and could never go back to work again. That would then be paid up to you. Okay? And then you also have an income protection policy. Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work.\n\nNow that pays you a monthly amount, and that will be $4,900 on a monthly basis. You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid. And then you have a two year benefit period, which means that it will be for a two year up to two years, you could be on this income protection policy for if you are eligible. Does that make sense? Yep.\n\nPerfect. Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per. What was that? Sorry, David. I you just cut out a little bit for me.\n\nCorrect. Correct. So every year, you have to pay that 2,320 in order to have that cover in place if something were to happen. Yep. Now do you have any questions in regards to your insurances?\n\nPart of the reason Mhmm. Correct. Correct. Yes. 2,320 and 56¢.\n\nIt will also be on the document that I will reissue to you after the call today so you have it all in writing as well. Correct. Yes. Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover? Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen?\n\nCorrect. Correct. You have to pay more. And then because the good thing with the type of cover you have in place, which is why it's it's very different to your standard, like, group cover, that would be, like, your default cover option with, like, or suit for a host plus and stuff. It's very different.\n\nThe the MetLife insurance is is tailored to you. So when you applied for the cover, you went through a bit of a questionnaire answering your lifestyle, income, health, anything like that. Do you remember that? Yep. Sorry.\n\nWhat that basically was is that you then looked into a contract with MetLife, and they can't just go and change your insurances for you. And anything that would happen to you medically or illness or if you take up a super risky occup a hobby or anything like that, you are covered for. So it gives you that certainty because it's already kind of locked in and put in place. So it's very tailored specifically to you. Whereas your standard kind of group cover, they just assess it at the time of claim if you are eligible for the payout depending on your health and occupation and stuff like that.\n\nYep. Any questions when it comes to those insurances there, David? I can by reducing how much you will get paid out if something were to happen, but that would basically be the way. So if you if you feel like you don't need 320,000 or that level of income, I can get quotes of reducing it. But, obviously, that would mean that if something were to happen, you're not gonna have as much cover if something were to happen.\n\nBut that would kind of be the way to reduce the cover, the premium. Yep. Would you like me to look at getting any quotes, or are you happy for the time being with that amount? Okay. Perfect.\n\nNow part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document. It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market. Now you will also have an updated financial services guide. That one, you probably would have seen a couple of times. It is just an updated document.\n\nIt does give you all the important information in regards to us here at Oakview Financial. Gives you some information about the team, our director's advices. Everything is in there for you if you would like to have a bit of a read over it. Then the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement. But don't sign anything that you have now.\n\nI will get that all fixed and updated for you, which is the the fee we mentioned, which is then your ongoing service agreement. Now that form is to say that you are happy to stay on as a client, but I'm happy to do, obviously, the research and everything for you first in a bit more detail before, obviously, get you to commit to anything and seeing how you are feeling. And it is not a lock in contract at all. So even if you were to go, okay. After the research, you are happy to stay on for a little bit, it is not a lock in contract.\n\nYou can cancel it whenever you want to. There is no exit fee. And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost. It does come out like you would have seen in your account on a monthly basis. So it is only deducted on a monthly basis for you.\n\nDoes that make sense? Yep. K. Perfect. Now, David, it will take me about a week or so to put together all of this research for you.\n\nSo do you have any time sometimes sometime at the end of next week around Wednesday, potentially, for me to give you a call? Yeah. Okay. Perfect. Now what I will do as well is when I do call so we don't have the same issue with the phone not coming through, I'll call you twice, and then I will send you if for some reason it doesn't go through, and I will also send you it's usually text or email.\n\nWhat's the the quickest for you usually? Okay. Perfect. I will do via the phone, and if there's some issues, I will just try calling twice and try to leave a voice mail. Hopefully, it was just this time around that the phone was having a bit of a glitch.\n\nNow Wednesday at the moment, I have afternoon appointment. Do you have any particular time on Wednesday that would work best for you? So that'll be Wednesday, the twenty fourth. Okay. Let me see.\n\nI could do 02:00. Would that be okay? Yes. Okay. Perfect.\n\nWell, I booked that in on Wednesday, June 24 at 2PM for you. I will do, like I said, a bit more in-depth in regards to all the fees, performance, and everything like that. Put a bit of a proposal together if I feel like we should change anything. Part of the research, like I said, I will also consider a range of different industry funds to show you would, okay, if you do wanna go to host plus or super, what's going to be the tax that you potentially have to pay to move? What are the fees and what are the returns so that you can have all the information in front of you before you do make a decision on what you would like to do moving forward?\n\nYep. Like I said as well, I will get the team to send you a new document. So it'd be a new digital link. Again, it will allow you so when you click on the link, it's not going to ask you to sign right away. You can see all the documents that I kind of went through today.\n\nThe performance, it will show you the the super balance and your insurances and everything. So you're welcome to go and have a look at that as well. And if you have any further questions, just give me a call. But, otherwise, I will give you a call on Wednesday, June 24 at 2PM. I would I would have to just check with the team who prepared the documents.\n\nSo I'll go and speak to them after the call today and just triple check that for you. Mhmm. Yes. So, usually, if you just click on home, it should take you back to, like, your home screen. Yes.\n\nBut 260429. Yep. But I will put that I will get there. I will go and speak to the team and get those updated. So I will cancel the one that I have sent you at the moment.\n\nSo, obviously, don't do anything with that. I'll go and cancel it, and I will get it reissued through you. You should have it within the next thirteen minutes in your inbox. So keep a little lookout for that one. Like I said, it will ask you to click on the link again.\n\nYou can still view all the documents, and it's not going to get you to sign anything until the end, but you don't have to. Yep. The Benelon potentially. Yep. Where we were, like, looking at the transactions.\n\nSo if you go if you go into those three little dot points again, it should have account reports. Or even on the home screen, sometimes you can scroll down. Okay. Potentially, but I'd need to do the research before I can tell you what I suggest that you do. Yes.\n\nYes. So from the investment committee, because they obviously do research on the investments all the time, is that it has been underperforming a little bit recently. And if that is the case, then we want to go and do more research on the investment. But I won't say, obviously, do this or do that without putting everything putting a formal recommendation together and do all that research with, you know, the fees and the returns and capital gains tax and everything before I tell you what I think we should do. Yeah.\n\nSo the one that I can see here is when I just looked at the twelve month period. So we can see that even on, like, the gain and losses, you can see that it is, yeah, down a little bit, but all the other ones are positive. But it's just enough for me to go, okay. Well, we wanna go and investigate a little bit more just to make sure we have you in the best option. Because if we when the investment sorry?\n\nYeah. So we wanna make sure I do a bit more in-depth in regards to that investment to make sure it's still going to be the best one for you. Because sometimes if an investment is down, if it's a bit of, like, a cyclical trend with what is going on, we don't also wanna sell when things are down if we proceed coming back around. But if we see that there's going to be potentially other best options that's going to, you know, improve their returns and especially those fees that you're talking about, if I can find something that's cheaper and still still give you a similar outcome, then I wanna assess that for you to try and to reduce those fees as much as possible by not compromising on the returns and your retirement outcome. Yep.\n\nYes. Yep. Let me check. 39,784 is what I have in front of me. But if you have a different different times yeah.\n\nWell, that much that was how much you had in that investment option at the start of that period. Now the start of my period was June 16. So, obviously, if you had a different start period, it will be like that was how much you had invested in that investment option at the time. Mhmm. So that was how much what was bought into that investment for you?\n\nYep. Correct. Correct. Correct. Yes.\n\nYep. Will be income derived from those investments. That's income derived from those investments. And it Yep. Correct.\n\nYep. Yep. That's growth on your investments. Correct. Yes.\n\nSo bracket means it's negative, and if there's no bracket, that means it's positive. Correct. Yes. Yes. So that's why I do wanna look into that one in a little bit more detail for you.\n\nMhmm. Yep. No. You don't have to at all. It's obviously when we put together the portfolio, there's a lot of things that goes into putting a portfolio together.\n\nAnd a lot of it first is making sure that we align with your risk profile. So that aggressive that we do wanna have majority of your fund in your growth investment. And then you wanna also make sure you look at a lot of diversification and if that elements through the. If you have everything in, let's say, one investment option, obviously, it's not very diversified. So let's say if everything was in bed along, then, obviously, that would have you know, when it's doing really good, it's doing really, really good.\n\nBut when it's doing not so good, like, at the moment, then that would mean that everything will be in that investment option. So we wanna make sure we diversify things for you. So if something happens to one investment, it spreads out that risk. Does that make sense? Yeah.\n\nYeah. No. You the good thing with Hub twenty four is that there's hundreds of different options if you wanted to. But then at the same time, you know, we we consider, well, it might not be worth having, like, a $2 in one investment option. Sorry.\n\nThere's a lot that goes into it, but, no, we'd have 24. There's no restrictions on how many investment options. There are sometimes limitations on how much you can have in one investment option. So some of the investment options have a cap where you can only have, let's say, 30% invested in there till 35%. Some has 40.\n\nSome has less depending on what the investment option are of how much you can have into one particular option. Mhmm. Mhmm. Yep. Yes.\n\nSo if you so there's two ways when we do advise. So, obviously, we I wanna make sure we do the research and recommend whatever is going to be the best for you and assess everything in detail. At the same time, if there's something specifically that you want so let's say you tell me, I just want to sell out of Benelung, and I wanna put everything in and I don't want advice, then we can do it under a transaction without advice. And that's just to say that you have requested for this to take place without us providing advice whether that will be a good or bad option. No.\n\nNope. Nope. No. It's just when the portfolio manager put together the portfolios, they obviously wanna make sure they obviously have a different philosophy on how they put together everything. And part of it, again, is diversification, different industries, different sectors, different emerging markets when they put together the portfolio.\n\nBut there is no you must have at all. The only thing is that there is a cash balance on the account. The hub twenty four does require a minimum cash balance of 1 to 5¢ on your super, and that is just for, you know, fees insurances and stuff like that. But other than that, no. There's no you have to have any particular investment at all.\n\nMhmm. Percent? Yep. So that that does change all the time depending on when fees come out, when insurances come out, when your contributions go in, and when it gets invested. So with the hub 24, they automatically adjust all of that as things kind of go into your account, but also as investments fluctuate.\n\nSo if you ever get, like, a report from them saying there's too little cash or anything like that, you don't have to worry about it because it's all set in the back end, and it all evens out with everything for you. Yeah. Mhmm. Yep. Yep.\n\nYou don't have to worry about it because it gets evened out in the back end, and the team who manages everything do have all of that that they're aware of. So it this is something that they sent to let you know, but it does automatically it evens it out for you. So, yes, you don't have to stress or worry about that one. Hub twenty four don't do straight into crypto. The only investment option that they have into there is the one they have one investment option that's called crypto.\n\nIt's not directly into crypto, but it does invest in companies who does invest in crypto. That is kind of the only option available in Hub twenty four. It's something I can consider for you. Typically, it's not something we'd like too too much because there's not actually underlying assets, and it's very it fluctuates a lot. But if that is something that you specifically tell me, I want this as Mike, then we can look at it.\n\nBut does that answer that question? Yeah. Yeah. No. Yeah.\n\nOf course. Yeah. Yep. Yeah. So there's there's a lot of different options.\n\nSo within each of your investment options, some of them have hundreds and hundreds of underlying investment options. So when I go through the research with you, I can, part of it, give you all that research material if you would like to know all of it because there's a lot. Sorry. It's not like one option. It's in one company.\n\nLike, for example, the usually, the easiest one is can you see let me see here if I can get it up for you again. Just bear with me. You see the beta s p 500 equal? So the one that says yep. For example, that one invests in 500 companies.\n\nSo very diversified. So, again, when I reassess the investments for you, I can make sure that I also provide all the research materials for all of them and that we spend a little bit of extra time onto the investment for, you know, what's exactly into all of them. And like I said, I can give you all the research reports for every single one of them and what's included in all of them because there's there's a lot. Yeah. Yeah.\n\nMhmm. Yes. Exactly. They're all ETFs. So they all it's not just, like, one company.\n\nNo. It's not. Yep. Yeah. Yes.\n\nYeah. That's also an ETF. So all of them is ETF aside from that Benelon at the top, which is your managed funds. Yeah. Correct.\n\nSo so on Wednesday, I'll go through with you over the phone as well so then we can talk about it as well. Because I wanna make sure I go through all of it with you, but I will also send you a document at the same time and go through it together. And part of that is I'll point out if I do suggest that we change anything, which one it is and why. So so you have that document in front of you at the same time as I go through it with you, and you obviously have time after the call to have a read over as well because I don't wanna occupy too much of your time either. Yeah.\n\nYeah. Perfect. Yeah. No. That's okay.\n\nSo just to recap, David, I will give you a call on Wednesday, June 24 at 2PM. And if I have the same issue with the phone, I'll just try to call you twice. Hopefully, it was just a bit of a glitch right now, or I'll try from one of my colleague's phones as well just to just to make sure, but I will call you. And after the call, I will also, within about thirty minutes, keep a look at your inbox, and I will get the team to reissue those documents that I kind of went through over with you today because the system seems to have a bit of a glitch, and I'll go and talk to them as well and triple check that information before we send it to you. Yep.\n\nNo. That is no problem at all. Yep. Correct. Yes.\n\nBeautiful. No. That is no problem at all. Thank you so much for your time today, David. And I look forward to speaking with you next Wednesday, the twenty fourth as well.\n\nBut if you need anything in the meantime or have any other questions, don't hesitate to call the office or send me an email. Okay? No problem at all. We'll speak next week. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.2057497203350067},{"text":"This is Monica speaking.","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.1100742518901825},{"text":"Hi.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.21108278632164},{"text":"How are you?","start":8.24,"end":9.059999,"sentiment":"neutral","sentiment_score":0.24899762372175852},{"text":"Good.","start":11.12,"end":11.44,"sentiment":"positive","sentiment_score":0.4661160111427307}],"sentiment":"neutral","sentiment_score":0.20690801062367178,"num_words":11,"start":1.4399999,"end":11.44},{"sentences":[{"text":"Thanks for returning my callback.","start":11.44,"end":13.219999,"sentiment":"positive","sentiment_score":0.4581693708896637},{"text":"You didn't get my call?","start":19.255,"end":20.634998,"sentiment":"neutral","sentiment_score":-0.07077786698937416},{"text":"Because I let me just triple check your number.","start":24.695,"end":27.114998,"sentiment":"neutral","sentiment_score":-0.043035789082447685},{"text":"0424573002?","start":27.414999,"end":32.09,"sentiment":"neutral","sentiment_score":0.0014112647622823715},{"text":"Yeah.","start":33.99,"end":34.49,"sentiment":"neutral","sentiment_score":-0.022986680269241333}],"sentiment":"neutral","sentiment_score":0.07276476201202188,"num_words":21,"start":11.44,"end":34.49},{"sentences":[{"text":"No.","start":34.79,"end":35.11,"sentiment":"neutral","sentiment_score":-0.11847974359989166},{"text":"Strange.","start":35.11,"end":35.510002,"sentiment":"neutral","sentiment_score":-0.08709834516048431},{"text":"Yeah.","start":35.510002,"end":35.75,"sentiment":"neutral","sentiment_score":-0.06314244866371155},{"text":"Because I called at 01:30.","start":35.75,"end":37.37,"sentiment":"neutral","sentiment_score":-0.07990781217813492},{"text":"It went straight to voice mail, and I did leave a voice message as well.","start":37.510002,"end":40.89,"sentiment":"neutral","sentiment_score":-0.09800341775019963}],"sentiment":"neutral","sentiment_score":-0.09297003758990247,"num_words":23,"start":34.79,"end":40.89},{"sentences":[{"text":"I thought that's why you called back.","start":41.03,"end":42.57,"sentiment":"neutral","sentiment_score":-0.12494780016796929},{"text":"Oh, that's strange.","start":43.575,"end":44.395,"sentiment":"neutral","sentiment_score":-0.18149438997109732},{"text":"Yeah.","start":49.495003,"end":49.975002,"sentiment":"neutral","sentiment_score":-0.06933875381946564},{"text":"Oh, that's very weird, but I'm glad you called anyway.","start":49.975002,"end":52.875,"sentiment":"neutral","sentiment_score":0.04230403080582619},{"text":"That's strange.","start":54.695,"end":55.9,"sentiment":"neutral","sentiment_score":-0.17747782915830612}],"sentiment":"neutral","sentiment_score":-0.0617552989202997,"num_words":23,"start":41.03,"end":55.9},{"sentences":[{"text":"I'll have a look through IT if there's a bit of an issue with their with their phone system.","start":55.9,"end":59.26,"sentiment":"neutral","sentiment_score":-0.16919992471996106},{"text":"But, yeah, it just went straight to your voice mail.","start":59.26,"end":61.26,"sentiment":"neutral","sentiment_score":-0.14368465095758437},{"text":"So I was like, oh, you must be on the phone maybe.","start":61.26,"end":63.76,"sentiment":"neutral","sentiment_score":-0.09810781603058179},{"text":"But, yeah, good that you called back anyway.","start":65.42,"end":67.44,"sentiment":"neutral","sentiment_score":0.20183082949370146},{"text":"You still have time for your annual review?","start":68.825005,"end":71.165,"sentiment":"neutral","sentiment_score":0.06931024370715022}],"sentiment":"neutral","sentiment_score":-0.06420719800026793,"num_words":57,"start":55.9,"end":71.165},{"sentences":[{"text":"Yep.","start":73.145004,"end":73.645004,"sentiment":"neutral","sentiment_score":0.099557027220726},{"text":"Yep.","start":75.705,"end":76.205,"sentiment":"neutral","sentiment_score":0.16411522030830383},{"text":"Beautiful.","start":76.345,"end":76.845,"sentiment":"positive","sentiment_score":0.3629385828971863},{"text":"Now before I do kind of jump in two things further, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of an update and kind of touch base to see where everything's at?","start":77.94501,"end":94.47,"sentiment":"neutral","sentiment_score":0.08609297468525465},{"text":"Yep.","start":97.375,"end":97.875,"sentiment":"neutral","sentiment_score":0.021540209650993347}],"sentiment":"neutral","sentiment_score":0.09076649993658066,"num_words":65,"start":73.145004,"end":97.875},{"sentences":[{"text":"Yeah.","start":99.774994,"end":100.274994,"sentiment":"neutral","sentiment_score":0.01729150116443634},{"text":"We'll see how we go.","start":101.935,"end":103.235,"sentiment":"neutral","sentiment_score":0.009540135227143764},{"text":"Yeah.","start":105.375,"end":105.875,"sentiment":"neutral","sentiment_score":0.05230553820729256},{"text":"Okay.","start":106.174995,"end":106.674995,"sentiment":"neutral","sentiment_score":0.17501774430274963},{"text":"Beautiful.","start":106.735,"end":107.235,"sentiment":"neutral","sentiment_score":0.3148190379142761}],"sentiment":"neutral","sentiment_score":0.06745938863605261,"num_words":9,"start":99.774994,"end":107.235},{"sentences":[{"text":"Now what I might do first there, David, is just to run through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice.","start":107.72,"end":119.42,"sentiment":"neutral","sentiment_score":0.060856603706876435},{"text":"So just bear with me as I go through this first.","start":119.56,"end":122.06,"sentiment":"neutral","sentiment_score":0.060447262092070145},{"text":"Now when it comes to your personal information, I have you down here as single with two financial dependents.","start":123.225,"end":133.945,"sentiment":"neutral","sentiment_score":0.03814328844217878},{"text":"Is that correct?","start":133.945,"end":134.765,"sentiment":"neutral","sentiment_score":0.029107920825481415},{"text":"Yep.","start":136.52,"end":137.02,"sentiment":"neutral","sentiment_score":-0.006228938233107328}],"sentiment":"neutral","sentiment_score":0.05355919714131188,"num_words":82,"start":107.72,"end":137.02},{"sentences":[{"text":"One financial.","start":140.2,"end":140.94,"sentiment":"neutral","sentiment_score":-0.09128844365477562},{"text":"And then one's a bit older?","start":141.64,"end":143.1,"sentiment":"neutral","sentiment_score":-0.05904685892164707},{"text":"Yep.","start":144.44,"end":144.84,"sentiment":"neutral","sentiment_score":0.01530344784259796},{"text":"Okay.","start":144.84,"end":145.32,"sentiment":"neutral","sentiment_score":0.10699651390314102},{"text":"Perfect.","start":145.32,"end":145.82,"sentiment":"positive","sentiment_score":0.35194751620292664}],"sentiment":"neutral","sentiment_score":-0.005691869353706186,"num_words":11,"start":140.2,"end":145.82},{"sentences":[{"text":"Now I don't actually have a next option on file for you.","start":149.655,"end":153.83499,"sentiment":"neutral","sentiment_score":-0.09608714530865352},{"text":"So in the event, for some reason, if we can't contact you, who is someone that you would like us to contact?","start":154.455,"end":162.18,"sentiment":"neutral","sentiment_score":-0.06368069536983967},{"text":"And that can be anybody.","start":162.24,"end":163.45999,"sentiment":"neutral","sentiment_score":-0.004667888209223747},{"text":"Shelby.","start":168.64,"end":169.14,"sentiment":"neutral","sentiment_score":0.04194963350892067},{"text":"Perfect.","start":169.44,"end":169.94,"sentiment":"neutral","sentiment_score":0.1668422818183899}],"sentiment":"neutral","sentiment_score":-0.05776996506241763,"num_words":41,"start":149.655,"end":169.94},{"sentences":[{"text":"And does she have the same last name as you?","start":172.64,"end":175.3,"sentiment":"neutral","sentiment_score":0.028780134208500386},{"text":"Perfect.","start":185.255,"end":185.755,"sentiment":"neutral","sentiment_score":0.21119365096092224},{"text":"And best contact number for her, please?","start":186.21501,"end":189.115,"sentiment":"neutral","sentiment_score":0.05227939997400556},{"text":"Yep.","start":212.405,"end":212.905,"sentiment":"neutral","sentiment_score":-0.003341507865116},{"text":"Sorry.","start":215.62001,"end":215.94,"sentiment":"neutral","sentiment_score":-0.05268475413322449}],"sentiment":"neutral","sentiment_score":0.04044622654328123,"num_words":20,"start":172.64,"end":215.94},{"sentences":[{"text":"Just cut out that word.","start":215.94,"end":216.74,"sentiment":"neutral","sentiment_score":-0.06046893671154976},{"text":"Did you say double?","start":216.74,"end":217.64,"sentiment":"neutral","sentiment_score":-0.0263112117536366},{"text":"Yep.","start":221.14,"end":221.64,"sentiment":"neutral","sentiment_score":0.0009823741856962442},{"text":"134.","start":224.18001,"end":225.48,"sentiment":"neutral","sentiment_score":0.01857995241880417},{"text":"Amazing.","start":225.795,"end":226.03499,"sentiment":"positive","sentiment_score":0.45034316182136536}],"sentiment":"neutral","sentiment_score":0.005192996487797548,"num_words":12,"start":215.94,"end":226.03499},{"sentences":[{"text":"Thank you so much.","start":226.03499,"end":227.33499,"sentiment":"positive","sentiment_score":0.5907394289970398},{"text":"Now when it comes to your occupation, has any of that changed, or are you still working as a building surveyor?","start":228.11499,"end":236.135,"sentiment":"neutral","sentiment_score":0.01651220130068915},{"text":"Yep.","start":237.89001,"end":238.39001,"sentiment":"neutral","sentiment_score":0.045916639268398285},{"text":"Perfect.","start":238.53001,"end":239.03001,"sentiment":"neutral","sentiment_score":0.12554553151130676},{"text":"Still working full time for the same employer earning about 84,000?","start":239.81001,"end":244.79001,"sentiment":"neutral","sentiment_score":0.06779398989271034}],"sentiment":"neutral","sentiment_score":0.09544500007637237,"num_words":38,"start":226.03499,"end":244.79001},{"sentences":[{"text":"Yep.","start":246.69,"end":247.19,"sentiment":"neutral","sentiment_score":0.07536348700523376},{"text":"Perfect.","start":247.25,"end":247.75,"sentiment":"neutral","sentiment_score":0.16905754804611206},{"text":"Now employer contribution, they still pay you that standard 12% contribution as well into superannuation?","start":249.41,"end":256.135,"sentiment":"neutral","sentiment_score":0.09762482121586799},{"text":"Yep.","start":258.355,"end":258.855,"sentiment":"neutral","sentiment_score":0.08624951541423798},{"text":"Great.","start":258.915,"end":259.415,"sentiment":"neutral","sentiment_score":0.2696983814239502}],"sentiment":"neutral","sentiment_score":0.10867059211197652,"num_words":19,"start":246.69,"end":259.415},{"sentences":[{"text":"And when it comes through expenses and savings, I have here that last time we spoke, your savings was at around 110 a week.","start":260.995,"end":270.82,"sentiment":"neutral","sentiment_score":0.09163601308440168},{"text":"Is that still roughly the case, or do you know if any of that changed?","start":270.88,"end":274.26,"sentiment":"neutral","sentiment_score":0.02991753170887629},{"text":"That's about right.","start":276.4,"end":277.28,"sentiment":"neutral","sentiment_score":0.12470905979474385},{"text":"Okay.","start":277.28,"end":277.68,"sentiment":"neutral","sentiment_score":0.1377878189086914},{"text":"Perfect.","start":277.68,"end":278.18,"sentiment":"neutral","sentiment_score":0.1780659556388855}],"sentiment":"neutral","sentiment_score":0.07586382371796803,"num_words":44,"start":260.995,"end":278.18},{"sentences":[{"text":"Asset and liabilities wise, I have here a motor vehicle valued at about 25,000.","start":279.52,"end":286.975,"sentiment":"neutral","sentiment_score":0.09378865733742714},{"text":"Yep.","start":288.715,"end":289.195,"sentiment":"neutral","sentiment_score":0.07683002948760986},{"text":"Perfect.","start":289.195,"end":289.695,"sentiment":"neutral","sentiment_score":0.18503105640411377},{"text":"And about 4,000 owing on it.","start":289.83502,"end":292.475,"sentiment":"neutral","sentiment_score":0.06832568782071273},{"text":"Is that correct as well?","start":292.475,"end":294.015,"sentiment":"neutral","sentiment_score":0.0626311406493187}],"sentiment":"neutral","sentiment_score":0.08511155995505827,"num_words":27,"start":279.52,"end":294.015},{"sentences":[{"text":"That's paid off?","start":296.51,"end":297.23,"sentiment":"neutral","sentiment_score":-0.05097039292256037},{"text":"Okay.","start":297.23,"end":297.71,"sentiment":"neutral","sentiment_score":0.050706684589385986},{"text":"Perfect.","start":297.71,"end":298.11,"sentiment":"neutral","sentiment_score":0.16060861945152283},{"text":"I'll update that.","start":298.11,"end":299.17,"sentiment":"neutral","sentiment_score":0.12546064456303915},{"text":"Now have you had any other changes in regards to your assets at all there?","start":300.27,"end":307.25,"sentiment":"neutral","sentiment_score":0.0198639128357172}],"sentiment":"neutral","sentiment_score":0.03185846745643927,"num_words":23,"start":296.51,"end":307.25},{"sentences":[{"text":"No.","start":308.79498,"end":309.115,"sentiment":"neutral","sentiment_score":-0.11563774943351746},{"text":"Perfect.","start":309.115,"end":309.615,"sentiment":"neutral","sentiment_score":0.0032009370625019073},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":310.79498,"end":316.01498,"sentiment":"neutral","sentiment_score":-0.032962282653898},{"text":"That's still the case as well?","start":316.235,"end":317.775,"sentiment":"neutral","sentiment_score":-0.014177472330629826},{"text":"Yep.","start":319.275,"end":319.51498,"sentiment":"neutral","sentiment_score":0.045612625777721405}],"sentiment":"neutral","sentiment_score":-0.027171421721577646,"num_words":25,"start":308.79498,"end":319.51498},{"sentences":[{"text":"Perfect.","start":319.51498,"end":319.995,"sentiment":"neutral","sentiment_score":0.12822386622428894},{"text":"And have you had any changes to your health, any significant health issues or injuries or anything in the last twelve months or all going good?","start":319.995,"end":328.91,"sentiment":"neutral","sentiment_score":-0.03559244037247621},{"text":"Perfect.","start":330.33,"end":330.83,"sentiment":"neutral","sentiment_score":-0.0528465174138546},{"text":"And estate planning wise, now, David, do you have a will in place or power of attorney or anything like that?","start":332.17,"end":340.705,"sentiment":"neutral","sentiment_score":0.015508025529838744},{"text":"No.","start":342.125,"end":342.625,"sentiment":"neutral","sentiment_score":-0.09846028685569765}],"sentiment":"neutral","sentiment_score":-0.012456357032060623,"num_words":50,"start":319.51498,"end":342.625},{"sentences":[{"text":"When it comes to superannuation, though, I do have two nominations on file.","start":343.645,"end":348.785,"sentiment":"neutral","sentiment_score":0.030884929574452914},{"text":"So both for your children, 50% to Hendrick and 50% to Shelby.","start":349.66998,"end":354.38998,"sentiment":"neutral","sentiment_score":0.057445443545778595},{"text":"That's still the case as well?","start":354.38998,"end":355.84998,"sentiment":"neutral","sentiment_score":0.07391105592250824},{"text":"Yep.","start":357.18997,"end":357.68997,"sentiment":"positive","sentiment_score":0.3678974509239197},{"text":"Great.","start":357.75,"end":358.25,"sentiment":"positive","sentiment_score":0.7373147010803223}],"sentiment":"neutral","sentiment_score":0.07998569377444008,"num_words":33,"start":343.645,"end":358.25},{"sentences":[{"text":"Now when it comes to goals, so stuff that you are kind of working towards that you are wanting to achieve during the interview is usually a good part point of time to kind of check-in to see how you went, if you have any new goals, or anything else that you need assistance or would like to look at.","start":358.71,"end":374.475,"sentiment":"positive","sentiment_score":0.42433770149946215},{"text":"So last time we spoke to you, your main focus was to pay off the car loan, which you did, so that's great.","start":374.85498,"end":380.05,"sentiment":"positive","sentiment_score":0.4200202045233353},{"text":"And other than that, was potentially buy and build a property.","start":381.15,"end":386.21,"sentiment":"neutral","sentiment_score":0.2504565404220061},{"text":"Is that still kind of something that you are working towards?","start":386.35,"end":389.97,"sentiment":"neutral","sentiment_score":0.1863829032941298},{"text":"Yep.","start":391.72498,"end":392.22498,"sentiment":"neutral","sentiment_score":0.1801997870206833}],"sentiment":"positive","sentiment_score":0.3783600043575719,"num_words":106,"start":358.71,"end":392.22498},{"sentences":[{"text":"Perfect.","start":392.44498,"end":392.94498,"sentiment":"positive","sentiment_score":0.401522696018219},{"text":"Any other goals that you are working towards, financial or nonfinancial at all?","start":393.245,"end":397.585,"sentiment":"neutral","sentiment_score":0.15762966928573754},{"text":"That's it?","start":400.04498,"end":400.865,"sentiment":"neutral","sentiment_score":0.006336453996482305},{"text":"Yeah.","start":401.805,"end":402.205,"sentiment":"neutral","sentiment_score":0.04029330611228943},{"text":"No.","start":402.205,"end":402.525,"sentiment":"neutral","sentiment_score":0.03029981441795826}],"sentiment":"neutral","sentiment_score":0.14077635695866775,"num_words":18,"start":392.44498,"end":402.525},{"sentences":[{"text":"Perfect.","start":402.525,"end":403.025,"sentiment":"neutral","sentiment_score":0.17887365818023682},{"text":"And how far along the journey are you?","start":404.3,"end":406.14,"sentiment":"neutral","sentiment_score":0.03383692400529981},{"text":"Have you started speaking to, like, a mortgage broker or anything in regards to any borrowing capacity?","start":406.14,"end":411.5,"sentiment":"neutral","sentiment_score":-0.03659595105358783},{"text":"No?","start":411.5,"end":411.82,"sentiment":"neutral","sentiment_score":-0.07392667979001999},{"text":"Okay.","start":411.82,"end":412.32,"sentiment":"neutral","sentiment_score":0.0016224998980760574}],"sentiment":"neutral","sentiment_score":-0.008745224913582206,"num_words":28,"start":402.525,"end":412.32},{"sentences":[{"text":"If it is that you do need assistance with it when you are wanting to have a look at it, just let us know because we do work closely with some mortgage brokers as well if you do need someone to give you a call to do a bit of a free assessment on your situation as well.","start":412.62,"end":427.95502,"sentiment":"neutral","sentiment_score":0.09137081643887635},{"text":"Yep.","start":430.33502,"end":430.83502,"sentiment":"neutral","sentiment_score":0.14603930711746216},{"text":"Now the next thing I do run over there with you, David, is just a bit of an updated risk profile questionnaire.","start":431.61502,"end":436.65,"sentiment":"neutral","sentiment_score":0.14611543477936226},{"text":"And that is just to see if we need to make any changes to your risk profile in your suit of valuation.","start":437.43,"end":442.65,"sentiment":"neutral","sentiment_score":0.10792625255205414},{"text":"Now it is just multiple choice questions, so there is no right or wrong answer.","start":443.27,"end":448.06998,"sentiment":"neutral","sentiment_score":0.10905257612466812}],"sentiment":"neutral","sentiment_score":0.10737502054011418,"num_words":118,"start":412.62,"end":448.06998},{"sentences":[{"text":"It's just whatever you feel is the most appropriate for you.","start":448.06998,"end":451.185,"sentiment":"neutral","sentiment_score":0.2001078169454228},{"text":"Does that make sense?","start":451.425,"end":452.645,"sentiment":"neutral","sentiment_score":0.14737912453711033},{"text":"Yep.","start":454.385,"end":454.885,"sentiment":"neutral","sentiment_score":0.14068366587162018},{"text":"Perfect.","start":455.025,"end":455.525,"sentiment":"neutral","sentiment_score":0.2507544755935669},{"text":"Now have you ever bought direct shares on the stock market yourself?","start":456.54498,"end":460.965,"sentiment":"neutral","sentiment_score":0.05884418574472269}],"sentiment":"neutral","sentiment_score":0.13407830534310178,"num_words":29,"start":448.06998,"end":460.965},{"sentences":[{"text":"Yes.","start":463.92,"end":464.42,"sentiment":"neutral","sentiment_score":-0.04797453060746193},{"text":"You don't have any shares or anything at the moment?","start":464.56,"end":466.98,"sentiment":"neutral","sentiment_score":-0.12533003762364386},{"text":"No.","start":468.40002,"end":468.90002,"sentiment":"neutral","sentiment_score":-0.07629318535327911},{"text":"Next is in regards to time frame.","start":470.08002,"end":471.94,"sentiment":"neutral","sentiment_score":0.007057423304234233},{"text":"So do you have any idea at the moment of when you think you would like to start drawing an income from your super or access your super at all?","start":472.0,"end":480.655,"sentiment":"neutral","sentiment_score":0.011455727182328701}],"sentiment":"neutral","sentiment_score":-0.02009172068566692,"num_words":49,"start":463.92,"end":480.655},{"sentences":[{"text":"Okay.","start":484.555,"end":484.875,"sentiment":"neutral","sentiment_score":-0.006541600450873375},{"text":"So do you think 60 as soon as you can if you stop working?","start":484.875,"end":488.57498,"sentiment":"neutral","sentiment_score":-0.04763902098472629},{"text":"Yes.","start":490.92,"end":491.32,"sentiment":"neutral","sentiment_score":0.05186687409877777},{"text":"Okay.","start":491.32,"end":491.82,"sentiment":"neutral","sentiment_score":0.0643044114112854},{"text":"So I do have here 67 last time we spoke, so I will just change that to 60 then.","start":492.04,"end":496.7,"sentiment":"neutral","sentiment_score":0.0535054262727499}],"sentiment":"neutral","sentiment_score":0.012757958068201939,"num_words":36,"start":484.555,"end":496.7},{"sentences":[{"text":"Okay.","start":501.255,"end":501.755,"sentiment":"neutral","sentiment_score":0.21371659636497495},{"text":"And I have an ideal income per week of about a thousand dollars when you do get $2.67.","start":502.775,"end":508.535,"sentiment":"positive","sentiment_score":0.4230835752354728},{"text":"Is that still achievable, do you think, or do you think you'd need a little bit more?","start":508.535,"end":513.195,"sentiment":"neutral","sentiment_score":0.10316542093642056},{"text":"That's fine.","start":515.87,"end":516.51,"sentiment":"neutral","sentiment_score":0.22146183997392657},{"text":"Okay.","start":516.51,"end":516.99,"sentiment":"neutral","sentiment_score":0.2738876938819885}],"sentiment":"neutral","sentiment_score":0.26409857641929424,"num_words":39,"start":501.255,"end":516.99},{"sentences":[{"text":"Perfect.","start":516.99,"end":517.49,"sentiment":"positive","sentiment_score":0.4201035499572754},{"text":"Now next is when it comes to inflation.","start":519.31,"end":521.81,"sentiment":"neutral","sentiment_score":0.08169263787567616},{"text":"So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing more, essentially.","start":522.59,"end":530.135,"sentiment":"neutral","sentiment_score":-0.06253651529550552},{"text":"Now when it comes to your superannuation, how much risk are you willing to take in order to try to keep up with the rising prices?","start":530.755,"end":540.215,"sentiment":"neutral","sentiment_score":-0.04119811152430394},{"text":"Would you say that you are willing to take very high risk, high moderate, or a small amount of risk for your superannuation?","start":541.38,"end":551.8,"sentiment":"neutral","sentiment_score":-0.06153545026545939}],"sentiment":"neutral","sentiment_score":-0.035532902071547766,"num_words":82,"start":516.99,"end":551.8},{"sentences":[{"text":"High to moderate.","start":555.265,"end":556.145,"sentiment":"neutral","sentiment_score":-0.02086232230067253},{"text":"And if you had to kind of lean towards one of them, which one would you be more inclined to?","start":556.145,"end":560.645,"sentiment":"neutral","sentiment_score":-0.03400757918134332},{"text":"High?","start":562.385,"end":562.885,"sentiment":"neutral","sentiment_score":-0.026075636968016624},{"text":"Okay.","start":562.945,"end":563.445,"sentiment":"neutral","sentiment_score":-0.02837979421019554},{"text":"And when it comes to volatility, how would you feel if in six months after placing an investment, you found out that your portfolio have decreased in value by 20% due to general trends in the financial market, but not one particular investment that's gone bad, just the market as a whole.","start":565.19995,"end":585.34503,"sentiment":"neutral","sentiment_score":-0.15840838763576287}],"sentiment":"neutral","sentiment_score":-0.11733026154242553,"num_words":77,"start":555.265,"end":585.34503},{"sentences":[{"text":"Would you, if you had the option to do so, think that now is a good time to potentially put a little bit more money in while the prices are down, Or would you be kind of a bit more neutral, hold and wait to see what happens?","start":585.80505,"end":598.07996,"sentiment":"neutral","sentiment_score":-0.05686374055221677},{"text":"Or would you like to shift to a more secure asset?","start":598.94,"end":602.31995,"sentiment":"neutral","sentiment_score":-0.0583444552665407},{"text":"So that means you are then selling when the prices have already dropped.","start":602.69995,"end":605.83997,"sentiment":"neutral","sentiment_score":-0.06395923288968894},{"text":"Investment?","start":609.775,"end":610.275,"sentiment":"neutral","sentiment_score":0.00934990681707859},{"text":"Okay.","start":610.575,"end":610.895,"sentiment":"neutral","sentiment_score":0.07271802425384521}],"sentiment":"neutral","sentiment_score":-0.05568446825585655,"num_words":74,"start":585.80505,"end":610.895},{"sentences":[{"text":"Perfect.","start":610.895,"end":611.395,"sentiment":"neutral","sentiment_score":0.1476508378982544},{"text":"And would you invest heavily or modestly?","start":611.775,"end":614.435,"sentiment":"neutral","sentiment_score":0.05744641859616552},{"text":"Modestly.","start":616.41504,"end":616.91504,"sentiment":"neutral","sentiment_score":0.1268865019083023},{"text":"Great.","start":617.135,"end":617.635,"sentiment":"neutral","sentiment_score":0.24341630935668945},{"text":"And when it comes to fluctuations in any assets, so superannuation or any other assets, if they ever fell in value, how did that make you feel?","start":620.67004,"end":631.665,"sentiment":"neutral","sentiment_score":0.028485578208885812}],"sentiment":"neutral","sentiment_score":0.04565376191827897,"num_words":37,"start":610.895,"end":631.665},{"sentences":[{"text":"Would you say optimistic about potential future investment opportunities, a bit more kind of neutral, not making further investments, concerns, or highly anxious?","start":631.805,"end":643.345,"sentiment":"neutral","sentiment_score":0.2199028957149257},{"text":"Optimistic.","start":647.76,"end":648.26,"sentiment":"positive","sentiment_score":0.5567545294761658},{"text":"Perfect.","start":648.88,"end":649.38,"sentiment":"positive","sentiment_score":0.6168259382247925},{"text":"And the last one here is in regards to borrowing money.","start":649.92,"end":652.82,"sentiment":"neutral","sentiment_score":0.1360341435806318},{"text":"So, David, would you ever consider taking out a loan to invest in stocks or funds?","start":653.04,"end":659.06,"sentiment":"neutral","sentiment_score":0.07284371298737824}],"sentiment":"neutral","sentiment_score":0.17102350108325481,"num_words":52,"start":631.805,"end":659.06},{"sentences":[{"text":"Yep.","start":661.585,"end":662.085,"sentiment":"neutral","sentiment_score":0.08655883371829987},{"text":"Okay.","start":662.145,"end":662.645,"sentiment":"neutral","sentiment_score":0.08849750459194183},{"text":"Now that tells me here that you have come out kind of borderline between aggressive and high growth.","start":664.465,"end":671.04504,"sentiment":"neutral","sentiment_score":0.13387970957491133},{"text":"And at the moment, we have you invested in an aggressive portfolio.","start":671.60004,"end":675.46,"sentiment":"neutral","sentiment_score":0.05923312126348416},{"text":"Do you remember what it means to be an aggressive investor at all?","start":676.08,"end":680.34,"sentiment":"neutral","sentiment_score":0.047947218211797565}],"sentiment":"neutral","sentiment_score":0.08708894227941831,"num_words":45,"start":661.585,"end":680.34},{"sentences":[{"text":"Yeah.","start":682.72003,"end":683.12006,"sentiment":"neutral","sentiment_score":0.033242568373680115},{"text":"How would you describe it?","start":683.12006,"end":685.30005,"sentiment":"neutral","sentiment_score":0.02490401454269886},{"text":"Yeah.","start":695.325,"end":695.825,"sentiment":"neutral","sentiment_score":0.051826827228069305},{"text":"Yeah.","start":697.40497,"end":697.90497,"sentiment":"neutral","sentiment_score":0.09138226509094238},{"text":"Well, yeah, basically.","start":698.63,"end":699.85004,"sentiment":"neutral","sentiment_score":0.08694037050008774}],"sentiment":"neutral","sentiment_score":0.05107207680967721,"num_words":11,"start":682.72003,"end":699.85004},{"sentences":[{"text":"So, essentially, it tells me that you are looking at getting, you know, as much growth out of your superannuation while you still have plenty of time until retirement.","start":699.91003,"end":706.81,"sentiment":"neutral","sentiment_score":0.12424246966838837},{"text":"But at the same time, someone that is comfortable with your experience, some higher levels of fluctuations in the short term in order to kinda grow your superannuation long term.","start":707.35004,"end":718.745,"sentiment":"neutral","sentiment_score":0.09581560902297497},{"text":"Now when we are also then looking at a asset allocation to how your money is invested, In a typical aggressive post portfolio, we see about 95 to about a 100% in your growth assets.","start":719.205,"end":733.71,"sentiment":"neutral","sentiment_score":0.05712099112570286},{"text":"So that will be things like Australian shares, international shares, property, and commodities, and that is what's going to maximize that growth for you.","start":733.85,"end":741.985,"sentiment":"neutral","sentiment_score":0.21089516828457514},{"text":"And about five to zero in defensive, like your cash, your gold, your fixed interest.","start":742.525,"end":747.66504,"sentiment":"neutral","sentiment_score":0.08623242005705833}],"sentiment":"neutral","sentiment_score":0.11151657834705106,"num_words":133,"start":699.91003,"end":747.66504},{"sentences":[{"text":"Now the difference then in a high growth, it's about a 10% difference.","start":748.445,"end":752.54504,"sentiment":"neutral","sentiment_score":0.06275075330184056},{"text":"So you will have about 90 in your growth assets and about 10 in your defenses.","start":752.58,"end":760.28,"sentiment":"neutral","sentiment_score":0.12172832759097219},{"text":"Does that make sense so far?","start":761.62,"end":763.16003,"sentiment":"neutral","sentiment_score":0.08941747869054477},{"text":"Yep.","start":764.34,"end":764.595,"sentiment":"neutral","sentiment_score":0.19224826991558075},{"text":"Perfect.","start":764.75494,"end":765.25494,"sentiment":"positive","sentiment_score":0.34340280294418335}],"sentiment":"neutral","sentiment_score":0.10366402646979771,"num_words":37,"start":748.445,"end":765.25494},{"sentences":[{"text":"And, also, making sure from a time frame point of view that you have enough time in the market.","start":765.555,"end":770.21497,"sentiment":"neutral","sentiment_score":0.1403330760566812},{"text":"In an aggressive portfolio, ideally, we would like to leave at least ten years on your retirement for making sure that you have enough time in the market for those short term fluctuations.","start":770.595,"end":780.37994,"sentiment":"neutral","sentiment_score":0.1478689775773973},{"text":"So from a time frame point of view, you you still have that behind you in a aggressive portfolio.","start":781.07996,"end":785.89996,"sentiment":"neutral","sentiment_score":-0.009891282374921598},{"text":"If that is still something that you are comfortable with seeing those kind of higher fluctuations with the market, or would you like to look at potentially reducing that down to a high growth?","start":787.24,"end":798.185,"sentiment":"neutral","sentiment_score":-0.025649081696482265},{"text":"Or what are your thoughts?","start":798.185,"end":799.325,"sentiment":"neutral","sentiment_score":0.005500571429729461}],"sentiment":"neutral","sentiment_score":0.059213676540689035,"num_words":110,"start":765.555,"end":799.325},{"sentences":[{"text":"Yep.","start":803.70496,"end":804.02496,"sentiment":"neutral","sentiment_score":0.11336193978786469},{"text":"Okay.","start":804.02496,"end":804.505,"sentiment":"neutral","sentiment_score":0.25342005491256714},{"text":"Great.","start":804.505,"end":805.005,"sentiment":"positive","sentiment_score":0.5457025170326233},{"text":"Now, David, do you have access to your emails at the moment?","start":806.185,"end":809.08496,"sentiment":"neutral","sentiment_score":0.16384822440644106},{"text":"Yep.","start":810.64,"end":810.96,"sentiment":"neutral","sentiment_score":0.13867810368537903}],"sentiment":"neutral","sentiment_score":0.18858383176848292,"num_words":16,"start":803.70496,"end":810.96},{"sentences":[{"text":"Okay.","start":810.96,"end":811.46,"sentiment":"neutral","sentiment_score":0.15820299088954926},{"text":"So what I have done is I have just sent you an email with some documents to go through if you are able to access that for me.","start":811.52,"end":819.78,"sentiment":"neutral","sentiment_score":0.24710344895720482},{"text":"That gives you a bit more breakdown of your current super balance and performance and stuff like that as well for your insurance.","start":819.84,"end":827.295,"sentiment":"positive","sentiment_score":0.3511517099712206},{"text":"So if you could click into the email for me.","start":827.835,"end":830.635,"sentiment":"neutral","sentiment_score":0.16044394969940184},{"text":"Now we have this changed software, so it might look a little bit different to what you are potentially used to.","start":830.635,"end":837.455,"sentiment":"neutral","sentiment_score":0.025428169628693945}],"sentiment":"neutral","sentiment_score":0.20833758976175842,"num_words":83,"start":810.96,"end":837.455},{"sentences":[{"text":"But if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything.","start":838.87,"end":848.25,"sentiment":"neutral","sentiment_score":0.12892153994603592},{"text":"It will only ask you to add the signature, which is the ongoing service fee at the end.","start":856.805,"end":862.10504,"sentiment":"neutral","sentiment_score":0.015152970742848184},{"text":"But you can click on the link, and that just allows you to view all the documents that I would like to go through with you.","start":862.32996,"end":868.75,"sentiment":"neutral","sentiment_score":0.14039479024135149},{"text":"You don't have to sign anything until at the end, and only then if you're comfortable with that.","start":868.81,"end":873.47,"sentiment":"neutral","sentiment_score":-0.07537665404379368},{"text":"So I'll show you the document that it will ask you to sign when we get to them because there's quite a few documents and not all of them need signing.","start":877.465,"end":885.485,"sentiment":"neutral","sentiment_score":-0.01945862729823397}],"sentiment":"neutral","sentiment_score":0.04934469538755597,"num_words":126,"start":838.87,"end":885.485},{"sentences":[{"text":"Yep.","start":891.16003,"end":891.64,"sentiment":"neutral","sentiment_score":0.04044172167778015},{"text":"That's okay.","start":891.64,"end":892.28,"sentiment":"neutral","sentiment_score":0.08829965442419052},{"text":"We can have a bit of a talk about that.","start":892.28,"end":894.62,"sentiment":"neutral","sentiment_score":0.05448244363069534},{"text":"If you wanna just click on the link for me though, David, it can show you how your situation is.","start":896.44,"end":902.175,"sentiment":"neutral","sentiment_score":0.007369653228670359},{"text":"And if you're not comfortable with it, then I will not get you to find anything at the end.","start":902.415,"end":906.035,"sentiment":"neutral","sentiment_score":-0.276638369026937}],"sentiment":"neutral","sentiment_score":-0.08359366307894771,"num_words":52,"start":891.16003,"end":906.035},{"sentences":[{"text":"Yep.","start":907.77496,"end":908.27496,"sentiment":"neutral","sentiment_score":0.05552547425031662},{"text":"Okay.","start":909.295,"end":909.695,"sentiment":"neutral","sentiment_score":0.18640071153640747},{"text":"Perfect.","start":909.695,"end":910.175,"sentiment":"neutral","sentiment_score":0.06716358661651611},{"text":"So can you see the first attachment there in the document?","start":910.175,"end":913.075,"sentiment":"neutral","sentiment_score":0.020557741888544777},{"text":"Yeah.","start":914.43,"end":914.67,"sentiment":"neutral","sentiment_score":0.04734421521425247}],"sentiment":"neutral","sentiment_score":0.038837943226099014,"num_words":15,"start":907.77496,"end":914.67},{"sentences":[{"text":"And what does that one say just so that I can go through it in the order that you have it in front of you to make it easier?","start":914.67,"end":919.97003,"sentiment":"neutral","sentiment_score":0.04884087063115219},{"text":"Yep.","start":922.11,"end":922.61,"sentiment":"neutral","sentiment_score":0.27135515213012695},{"text":"Beautiful.","start":922.75,"end":923.25,"sentiment":"positive","sentiment_score":0.6004989147186279},{"text":"So at the moment, you have your you have 24, and you do have a a $105,379 in there.","start":923.47003,"end":934.385,"sentiment":"neutral","sentiment_score":0.10766075237801201},{"text":"Now you said, obviously, you are looking at potentially changing Superfund?","start":935.805,"end":939.985,"sentiment":"neutral","sentiment_score":0.03261351382190531}],"sentiment":"neutral","sentiment_score":0.07692692233402221,"num_words":61,"start":914.67,"end":939.985},{"sentences":[{"text":"Yes.","start":944.62,"end":945.12,"sentiment":"neutral","sentiment_score":0.02005326002836227},{"text":"Let me have a look at the document for you.","start":952.14,"end":954.8,"sentiment":"neutral","sentiment_score":0.02536157947033644},{"text":"Let me just go into your account just to triple check that the documents were prepared correctly for you.","start":960.245,"end":968.265,"sentiment":"neutral","sentiment_score":0.015910259104873006},{"text":"Not yet.","start":981.815,"end":982.45496,"sentiment":"neutral","sentiment_score":-0.07485824078321457},{"text":"You are correct.","start":982.45496,"end":983.095,"sentiment":"neutral","sentiment_score":-0.040817843129237495}],"sentiment":"neutral","sentiment_score":0.008679827622004917,"num_words":35,"start":944.62,"end":983.095},{"sentences":[{"text":"I'm in your account at the moment, and it looks like the document did have incorrect information.","start":983.095,"end":989.915,"sentiment":"neutral","sentiment_score":-0.14928975898553343},{"text":"So I will get the team to update those documents after the call and reissue them for you with the correct information.","start":990.055,"end":996.07495,"sentiment":"neutral","sentiment_score":-0.000978026369755919},{"text":"Now in your account right now, it's 260429.","start":996.93,"end":1002.29004,"sentiment":"neutral","sentiment_score":0.03751433617435396},{"text":"Is that what you see as well?","start":1002.29004,"end":1003.83,"sentiment":"neutral","sentiment_score":0.04485678140606199},{"text":"Yes.","start":1005.41003,"end":1005.91003,"sentiment":"neutral","sentiment_score":0.030522547662258148}],"sentiment":"neutral","sentiment_score":-0.034814686836166814,"num_words":55,"start":983.095,"end":1005.91003},{"sentences":[{"text":"Sorry.","start":1005.97003,"end":1006.29004,"sentiment":"neutral","sentiment_score":-0.06502185761928558},{"text":"Apologies about that.","start":1006.29004,"end":1007.33,"sentiment":"neutral","sentiment_score":-0.19916792710622153},{"text":"I will get the team to update that straight away after the call for you.","start":1007.33,"end":1010.95,"sentiment":"neutral","sentiment_score":-0.011825165152549744},{"text":"But, yes, you are correct.","start":1011.125,"end":1012.40497,"sentiment":"neutral","sentiment_score":0.11640291213989258},{"text":"260429 is in your, Hub twenty four account at the moment.","start":1012.40497,"end":1019.46497,"sentiment":"neutral","sentiment_score":0.049560894004323265}],"sentiment":"neutral","sentiment_score":0.008208036529166358,"num_words":35,"start":1005.97003,"end":1019.46497},{"sentences":[{"text":"Now you you did say that you are looking at changing Superfunds.","start":1021.125,"end":1025.63,"sentiment":"neutral","sentiment_score":0.034664240355292954},{"text":"Can I ask, have you started the process or your thought process behind it or where you are looking at going?","start":1025.8501,"end":1032.51,"sentiment":"neutral","sentiment_score":0.03417219150634039},{"text":"Okay.","start":1040.185,"end":1040.685,"sentiment":"neutral","sentiment_score":-0.00688120536506176},{"text":"So fees is the main kind of consideration?","start":1041.0651,"end":1043.4851,"sentiment":"neutral","sentiment_score":-0.014908653916791081},{"text":"Yes.","start":1044.185,"end":1044.3451,"sentiment":"neutral","sentiment_score":0.021961873397231105}],"sentiment":"neutral","sentiment_score":0.023939496339407076,"num_words":43,"start":1021.125,"end":1044.3451},{"sentences":[{"text":"Yes.","start":1044.3451,"end":1044.8451,"sentiment":"neutral","sentiment_score":0.03214266523718834},{"text":"Yep.","start":1046.425,"end":1046.925,"sentiment":"neutral","sentiment_score":0.04743732139468193},{"text":"Okay.","start":1056.12,"end":1056.62,"sentiment":"neutral","sentiment_score":-0.03520158678293228},{"text":"Okay.","start":1057.08,"end":1057.58,"sentiment":"neutral","sentiment_score":-0.02355395071208477},{"text":"Yeah.","start":1059.88,"end":1060.38,"sentiment":"neutral","sentiment_score":-0.01126478984951973}],"sentiment":"neutral","sentiment_score":0.0019119318574666976,"num_words":5,"start":1044.3451,"end":1060.38},{"sentences":[{"text":"I'm sorry to hear that.","start":1061.025,"end":1062.5651,"sentiment":"neutral","sentiment_score":-0.09460606724023819},{"text":"Yep.","start":1076.64,"end":1077.14,"sentiment":"neutral","sentiment_score":-0.02810576558113098},{"text":"Okay.","start":1083.3601,"end":1083.8601,"sentiment":"negative","sentiment_score":-0.34674715995788574},{"text":"Okay.","start":1087.855,"end":1088.335,"sentiment":"neutral","sentiment_score":-0.18317921459674835},{"text":"And I'm I'm sorry for us to hear that you've had a not so great experience, especially with communication and stuff.","start":1088.335,"end":1095.0549,"sentiment":"negative","sentiment_score":-0.447471973441896}],"sentiment":"negative","sentiment_score":-0.35958530753850937,"num_words":29,"start":1061.025,"end":1095.0549},{"sentences":[{"text":"That's the last thing we want.","start":1095.0549,"end":1096.5149,"sentiment":"negative","sentiment_score":-0.38205018142859143},{"text":"Now when it comes to this fees as well, so hub twenty four is sometimes depends on which industry funds you are looking at, but it can be a little bit more expensive from a platform point of view.","start":1097.87,"end":1111.535,"sentiment":"neutral","sentiment_score":-0.17674366098183852},{"text":"And the reason is because it is a little bit more of that sophisticated platform that allows you to do a lot more with the investment.","start":1111.995,"end":1118.8151,"sentiment":"neutral","sentiment_score":0.039351409587722555},{"text":"So often, obviously, when we are looking at the return on those investments, that tend to still put you in a lot better position after the fee because it gives us that flexibility when it comes to your investment choices.","start":1119.435,"end":1132.37,"sentiment":"neutral","sentiment_score":0.11115785483270883},{"text":"But it can be a little bit more expensive.","start":1133.47,"end":1135.89,"sentiment":"neutral","sentiment_score":-0.24648385908868578}],"sentiment":"neutral","sentiment_score":-0.049451731300602354,"num_words":120,"start":1095.0549,"end":1135.89},{"sentences":[{"text":"Now if you are happy for me to do so, it is up to you.","start":1137.485,"end":1141.245,"sentiment":"positive","sentiment_score":0.3753623609741529},{"text":"I'd be happy to do some some more research on your account, see how much you are like, putting it all into a strategy advice document for you to check exactly the the fees and everything, especially with the investment fees and everything, and compare that to a couple of other industry funds for you, like your more low cost option, and seeing if when we're lower fees that with the investment as well, if that is going to put you in a better position at the end of it.","start":1141.245,"end":1171.345,"sentiment":"neutral","sentiment_score":0.3176672477689054},{"text":"Would you be happy for me to do that, or what are you that?","start":1171.345,"end":1174.8049,"sentiment":"neutral","sentiment_score":0.2382606150848525},{"text":"Yeah.","start":1184.88,"end":1185.04,"sentiment":"neutral","sentiment_score":-0.008979151956737041},{"text":"And is that mainly a hub 24 or the adviser fee or kind of combination of both?","start":1185.04,"end":1190.1,"sentiment":"neutral","sentiment_score":0.018192593336981887}],"sentiment":"neutral","sentiment_score":0.27632431576477134,"num_words":137,"start":1137.485,"end":1190.1},{"sentences":[{"text":"Okay.","start":1192.025,"end":1192.525,"sentiment":"neutral","sentiment_score":0.04703095182776451},{"text":"Yeah.","start":1211.64,"end":1211.9601,"sentiment":"neutral","sentiment_score":0.049041036516427994},{"text":"Okay.","start":1211.9601,"end":1212.4601,"sentiment":"neutral","sentiment_score":0.04049776867032051},{"text":"And, yeah, that's not what we want at the end of the day, and I also have an obligation to follow that best interest duty, which is making sure that the adviser I am recommending for you will put you in a better position.","start":1212.76,"end":1223.725,"sentiment":"neutral","sentiment_score":-0.05036834474991669},{"text":"And if I do research on your investments, your hub 24, your adviser fee and everything, and if I can find a more suitable option in another super fund, then I will recommend that for you at the end of the day.","start":1223.725,"end":1235.48,"sentiment":"neutral","sentiment_score":0.17942531353660993}],"sentiment":"neutral","sentiment_score":0.06130590737703141,"num_words":89,"start":1192.025,"end":1235.48},{"sentences":[{"text":"But I just want to obviously make sure that I do the research so I can assess everything for you in detail before I do make that recommendation, whatever that might be, as long as it will put you in a better position.","start":1235.94,"end":1247.16,"sentiment":"neutral","sentiment_score":0.20897411537724872},{"text":"Yep.","start":1249.235,"end":1249.735,"sentiment":"neutral","sentiment_score":0.06039978191256523},{"text":"Yeah.","start":1253.715,"end":1254.215,"sentiment":"neutral","sentiment_score":0.044066909700632095},{"text":"Is there any no.","start":1254.355,"end":1256.515,"sentiment":"neutral","sentiment_score":-0.04950939444825053},{"text":"And that's is there any specific funds that you have started researching that you would like me to include in that comparison for you?","start":1256.515,"end":1264.18,"sentiment":"neutral","sentiment_score":0.06587191671133041}],"sentiment":"neutral","sentiment_score":0.14346906953580577,"num_words":73,"start":1235.94,"end":1264.18},{"sentences":[{"text":"Yep.","start":1269.36,"end":1269.86,"sentiment":"neutral","sentiment_score":0.016038276255130768},{"text":"Yep.","start":1272.9601,"end":1273.36,"sentiment":"neutral","sentiment_score":0.0435623973608017},{"text":"Okay.","start":1273.36,"end":1273.76,"sentiment":"neutral","sentiment_score":0.12182090431451796},{"text":"Perfect.","start":1273.76,"end":1274.26,"sentiment":"neutral","sentiment_score":0.2629607617855072},{"text":"Yep.","start":1281.9651,"end":1282.2051,"sentiment":"neutral","sentiment_score":0.05805837735533714}],"sentiment":"neutral","sentiment_score":0.10048814341425896,"num_words":5,"start":1269.36,"end":1282.2051},{"sentences":[{"text":"Yep.","start":1282.2051,"end":1282.7051,"sentiment":"neutral","sentiment_score":0.059941135346889496},{"text":"Okay.","start":1291.1799,"end":1291.6799,"sentiment":"neutral","sentiment_score":-0.005108651705086231},{"text":"Okay.","start":1292.22,"end":1292.72,"sentiment":"neutral","sentiment_score":-0.047294534742832184},{"text":"Okay.","start":1300.635,"end":1300.955,"sentiment":"neutral","sentiment_score":-0.04916371405124664},{"text":"Yeah.","start":1300.955,"end":1301.455,"sentiment":"neutral","sentiment_score":-0.011074021458625792}],"sentiment":"neutral","sentiment_score":-0.010539957322180271,"num_words":5,"start":1282.2051,"end":1301.455},{"sentences":[{"text":"And with your when you when you are looking at your Australian Super and Host Plus, are you also looking at your, like, aggressive portfolios as well, or are you comparing yep.","start":1303.355,"end":1314.3,"sentiment":"neutral","sentiment_score":-0.001612117572221905},{"text":"Okay.","start":1314.38,"end":1314.7001,"sentiment":"neutral","sentiment_score":0.15008628368377686},{"text":"Perfect.","start":1314.7001,"end":1315.1001,"sentiment":"positive","sentiment_score":0.3577571213245392},{"text":"That's good.","start":1315.1001,"end":1315.8401,"sentiment":"positive","sentiment_score":0.4266395717859268},{"text":"Because sometimes they don't always have your your aggressive.","start":1316.38,"end":1319.4401,"sentiment":"neutral","sentiment_score":0.10510079604056147}],"sentiment":"neutral","sentiment_score":0.05012093223631382,"num_words":45,"start":1303.355,"end":1319.4401},{"sentences":[{"text":"They have high growth for sure.","start":1319.5,"end":1321.3601,"sentiment":"neutral","sentiment_score":0.10805794348319371},{"text":"But if you are looking at the same kind of risk comparison, because sometimes your more aggressive portfolio can be a little bit more expensive as well because you have a little bit more of that active management.","start":1322.2201,"end":1332.105,"sentiment":"neutral","sentiment_score":-0.022673653830823145},{"text":"So that is good.","start":1332.105,"end":1332.825,"sentiment":"positive","sentiment_score":0.4666997194290161},{"text":"So I will factor that in in the research for you anyway.","start":1332.825,"end":1336.2849,"sentiment":"neutral","sentiment_score":0.24062606071432432},{"text":"Like, I'll look at also if the host plus are aware.","start":1337.385,"end":1339.885,"sentiment":"neutral","sentiment_score":0.044033697128973225}],"sentiment":"neutral","sentiment_score":0.07078071957795133,"num_words":71,"start":1319.5,"end":1339.885},{"sentences":[{"text":"To to Oakview Financial.","start":1345.08,"end":1346.7,"sentiment":"neutral","sentiment_score":0.0066629970679059625},{"text":"Yes.","start":1346.9199,"end":1347.4199,"sentiment":"neutral","sentiment_score":0.05956450849771499},{"text":"That's for your investments.","start":1362.135,"end":1363.355,"sentiment":"neutral","sentiment_score":0.04373917356133461},{"text":"So that's for your investment options in Hub twenty four.","start":1363.735,"end":1366.875,"sentiment":"neutral","sentiment_score":0.10385342985391617},{"text":"And with the adviser fee as well, which you will see in the last document later, is I'll get the team to just triple check everything, though, for you just to make sure it's all correct.","start":1367.93,"end":1380.59,"sentiment":"neutral","sentiment_score":0.11485196774204572}],"sentiment":"neutral","sentiment_score":0.09880687869577245,"num_words":55,"start":1345.08,"end":1380.59},{"sentences":[{"text":"But the advice fee and why it is going up is because your super balance is going up.","start":1381.805,"end":1386.285,"sentiment":"neutral","sentiment_score":-0.09661736670467588},{"text":"So I'm not sure if you remember, obviously, when you when you came on board and did the advice or during last annual review, the advice fee structure And how do I it's still the same, so it hasn't gone up, and that is 1.65% of your super balance.","start":1386.285,"end":1405.85,"sentiment":"neutral","sentiment_score":-0.08260459787383372},{"text":"Now as your super balance go up, that fee will go up because it is a percentage of your super balance.","start":1406.23,"end":1412.985,"sentiment":"neutral","sentiment_score":0.015060117379540489},{"text":"Does that make sense?","start":1413.365,"end":1414.505,"sentiment":"neutral","sentiment_score":0.023910569958388805},{"text":"Correct.","start":1419.525,"end":1420.025,"sentiment":"neutral","sentiment_score":0.11762209236621857}],"sentiment":"neutral","sentiment_score":-0.05652915117561176,"num_words":93,"start":1381.805,"end":1420.025},{"sentences":[{"text":"So that's the only fee that we get.","start":1420.405,"end":1422.4249,"sentiment":"neutral","sentiment_score":0.07329388242214918},{"text":"Correct.","start":1426.39,"end":1426.79,"sentiment":"neutral","sentiment_score":0.11242502927780151},{"text":"Yeah.","start":1426.79,"end":1427.11,"sentiment":"neutral","sentiment_score":0.08624225854873657},{"text":"To manage your investments and insurances and stuff.","start":1427.11,"end":1430.39,"sentiment":"neutral","sentiment_score":0.06760600348934531},{"text":"Yeah.","start":1430.39,"end":1430.89,"sentiment":"neutral","sentiment_score":0.06713461875915527}],"sentiment":"neutral","sentiment_score":0.07331584178303417,"num_words":19,"start":1420.405,"end":1430.89},{"sentences":[{"text":"Correct.","start":1437.525,"end":1437.925,"sentiment":"neutral","sentiment_score":0.07444483041763306},{"text":"That would be for your investments in Hub 24.","start":1437.925,"end":1440.965,"sentiment":"neutral","sentiment_score":0.04076684804426299},{"text":"Yes.","start":1440.965,"end":1441.465,"sentiment":"neutral","sentiment_score":0.0420830175280571},{"text":"So that would be let me have a look.","start":1446.645,"end":1448.745,"sentiment":"neutral","sentiment_score":-0.019996425757805508},{"text":"I would have to triple check your transaction account to know exactly, but often that would be a contribution.","start":1453.0199,"end":1461.36,"sentiment":"neutral","sentiment_score":-0.014090766051882192}],"sentiment":"neutral","sentiment_score":0.0009163357317447662,"num_words":39,"start":1437.525,"end":1461.36},{"sentences":[{"text":"So, obviously, your employer puts contributions in through your superannuation, so that will be taxed because of that, and that would be all the time or if there's any way where you have exceeded the cap spaces.","start":1461.4199,"end":1473.345,"sentiment":"neutral","sentiment_score":-0.09219238262724232},{"text":"Perhaps 80,000, and you're not making an additional contribution to your employer.","start":1473.725,"end":1480.79,"sentiment":"neutral","sentiment_score":-0.09123733608673017},{"text":"Yeah.","start":1483.1699,"end":1483.49,"sentiment":"neutral","sentiment_score":0.11755186319351196},{"text":"Then you shouldn't exceed that.","start":1483.49,"end":1484.77,"sentiment":"neutral","sentiment_score":0.032655834965407846},{"text":"So you wouldn't say that.","start":1484.77,"end":1486.07,"sentiment":"neutral","sentiment_score":-0.013587276637554168}],"sentiment":"neutral","sentiment_score":-0.07155119225693246,"num_words":60,"start":1461.4199,"end":1486.07},{"sentences":[{"text":"But I can part of the the research just investigate that for you.","start":1486.53,"end":1491.725,"sentiment":"neutral","sentiment_score":0.18627223257835096},{"text":"It's just through Metro and go through all the transactions just to triple check all of that for you.","start":1491.725,"end":1497.565,"sentiment":"neutral","sentiment_score":0.25530991271922465},{"text":"And do you know as well in your hub 24 how you can pull, like, the different reports to see everything as well?","start":1497.565,"end":1503.025,"sentiment":"neutral","sentiment_score":0.13155559612357098},{"text":"So that would be taxed from within your superannuation.","start":1516.375,"end":1519.115,"sentiment":"neutral","sentiment_score":-0.19533497426244947},{"text":"So I would have to triple check exactly what it is in regards to, and I will let you know.","start":1519.735,"end":1524.955,"sentiment":"neutral","sentiment_score":-0.05433389116078615}],"sentiment":"neutral","sentiment_score":0.08873230338628803,"num_words":84,"start":1486.53,"end":1524.955},{"sentences":[{"text":"But often, that would be, like, contributions and stuff going into superannuation because of the tax.","start":1525.255,"end":1532.5099,"sentiment":"neutral","sentiment_score":-0.1520171081647277},{"text":"So that would always be be the case regard tax within your superannuation because contributions and everything going into super is still tax.","start":1532.8099,"end":1543.07,"sentiment":"neutral","sentiment_score":-0.15730674726807553},{"text":"It is concessionally, but only at 15%.","start":1543.13,"end":1545.7899,"sentiment":"neutral","sentiment_score":-0.1548780777624675},{"text":"It will go through like, it will be within the hub like, within your super funds.","start":1550.735,"end":1556.115,"sentiment":"neutral","sentiment_score":0.0311160582350567},{"text":"So it will be, like, taxed within within that, that gets paid.","start":1556.335,"end":1559.395,"sentiment":"neutral","sentiment_score":0.021049158958097298}],"sentiment":"neutral","sentiment_score":-0.08627065706595376,"num_words":74,"start":1525.255,"end":1559.395},{"sentences":[{"text":"Not not not to where you wouldn't get anything.","start":1566.22,"end":1568.7799,"sentiment":"neutral","sentiment_score":-0.1163573380973604},{"text":"It will be all within the the super fund, and then they would obviously pay tax within the super fund, and then they are liable to pay things to the HEO as well, how that system works.","start":1568.7799,"end":1578.4149,"sentiment":"neutral","sentiment_score":-0.09157521106504105},{"text":"But yeah.","start":1580.395,"end":1580.715,"sentiment":"neutral","sentiment_score":0.06266695261001587},{"text":"No.","start":1580.715,"end":1580.875,"sentiment":"neutral","sentiment_score":-0.0030597299337387085},{"text":"That would not be to us or anything like that.","start":1580.875,"end":1582.715,"sentiment":"neutral","sentiment_score":-0.111626485735178}],"sentiment":"neutral","sentiment_score":-0.09202524634488558,"num_words":59,"start":1566.22,"end":1582.715},{"sentences":[{"text":"But I will triple check exactly.","start":1582.715,"end":1584.8099,"sentiment":"neutral","sentiment_score":0.16032545020182928},{"text":"I will go through a bit more extensive when I do the research on all your transactions just to make sure that all looks good for you as well.","start":1584.8099,"end":1591.71,"sentiment":"positive","sentiment_score":0.4021970830087004},{"text":"Am I what?","start":1604.185,"end":1604.745,"sentiment":"neutral","sentiment_score":0.02146977496643861},{"text":"Sorry?","start":1604.745,"end":1605.245,"sentiment":"neutral","sentiment_score":0.004259131848812103},{"text":"Yes.","start":1609.88,"end":1610.12,"sentiment":"neutral","sentiment_score":0.1204066276550293}],"sentiment":"neutral","sentiment_score":0.3203685798216611,"num_words":40,"start":1582.715,"end":1610.12},{"sentences":[{"text":"I can if you would like to.","start":1610.12,"end":1611.58,"sentiment":"neutral","sentiment_score":0.12067753289427076},{"text":"So in the so what I meant was the report.","start":1612.28,"end":1615.16,"sentiment":"neutral","sentiment_score":0.036341301165521145},{"text":"Sorry.","start":1615.16,"end":1615.56,"sentiment":"neutral","sentiment_score":-0.0016749333590269089},{"text":"In your hub 24, are you on the account at the moment?","start":1615.56,"end":1618.46,"sentiment":"neutral","sentiment_score":0.025715365074574947},{"text":"Yep.","start":1619.895,"end":1620.395,"sentiment":"neutral","sentiment_score":0.24141904711723328}],"sentiment":"neutral","sentiment_score":0.05666078182478105,"num_words":31,"start":1610.12,"end":1620.395},{"sentences":[{"text":"So a good way as well, especially to because the good thing with hub twenty four is that gives you all that transparency that you can pull a lot of different reports.","start":1620.615,"end":1627.675,"sentiment":"positive","sentiment_score":0.6254558581858873},{"text":"So do you have at the top where you have, like, three little dot points?","start":1628.055,"end":1632.795,"sentiment":"neutral","sentiment_score":0.2188947707414627},{"text":"And it will give you, like, a drop down of portfolio, reports, withdrawals, investments.","start":1634.14,"end":1640.0,"sentiment":"neutral","sentiment_score":0.18040032365492412},{"text":"Can you see that?","start":1640.9401,"end":1641.74,"sentiment":"neutral","sentiment_score":0.10812826827168465},{"text":"Yep.","start":1641.74,"end":1642.24,"sentiment":"neutral","sentiment_score":0.14758709073066711}],"sentiment":"positive","sentiment_score":0.4000562684554042,"num_words":66,"start":1620.615,"end":1642.24},{"sentences":[{"text":"So where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at.","start":1642.38,"end":1657.135,"sentiment":"neutral","sentiment_score":0.22199161009242138},{"text":"So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction.","start":1657.135,"end":1666.04,"sentiment":"neutral","sentiment_score":0.2445667153596878},{"text":"So there's a lot of really good thing within the Hub 24 app that gives you kind of that transparency when it comes through all your investments and everything like that.","start":1667.4601,"end":1677.585,"sentiment":"positive","sentiment_score":0.5767822909739709},{"text":"But talking about your investments, if you go back into the email for me let me see here.","start":1678.065,"end":1685.445,"sentiment":"neutral","sentiment_score":0.0006371587514877319},{"text":"Seems like there's, like, a little bit of a glitch here for me.","start":1699.28,"end":1703.5399,"sentiment":"neutral","sentiment_score":-0.22701309162836808}],"sentiment":"neutral","sentiment_score":0.2348912211479964,"num_words":135,"start":1642.38,"end":1703.5399},{"sentences":[{"text":"What I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you.","start":1707.0349,"end":1716.495,"sentiment":"neutral","sentiment_score":0.10007139487612632},{"text":"But while you are in the portal, we can actually have a look at it, and it's the one that's called performance with IRR.","start":1716.67,"end":1722.37,"sentiment":"neutral","sentiment_score":0.08147457707673311},{"text":"Can you see that little function?","start":1723.95,"end":1725.49,"sentiment":"neutral","sentiment_score":0.04419958281020323},{"text":"Yep.","start":1727.15,"end":1727.47,"sentiment":"neutral","sentiment_score":0.1244439110159874},{"text":"Perfect.","start":1727.47,"end":1727.97,"sentiment":"neutral","sentiment_score":0.2757079005241394}],"sentiment":"neutral","sentiment_score":0.09084051427623582,"num_words":63,"start":1707.0349,"end":1727.97},{"sentences":[{"text":"Now you can pull usually, we look at a twelve month period, but it will allow you to do a lot of different date ranges depending on what you wanna look at.","start":1728.43,"end":1739.225,"sentiment":"neutral","sentiment_score":0.11870374088175595},{"text":"But, typically, for the under review, we do look at a twelve month period.","start":1739.225,"end":1744.0449,"sentiment":"neutral","sentiment_score":0.057787008583545685},{"text":"Let me just wait for that to load.","start":1746.4299,"end":1748.2899,"sentiment":"neutral","sentiment_score":0.04740728856995702},{"text":"Yeah.","start":1755.39,"end":1755.63,"sentiment":"neutral","sentiment_score":0.014731626957654951},{"text":"So that is internal rate of return.","start":1755.63,"end":1758.0499,"sentiment":"neutral","sentiment_score":0.024152853127036775}],"sentiment":"neutral","sentiment_score":0.08339673767407094,"num_words":62,"start":1728.43,"end":1758.0499},{"sentences":[{"text":"Now let me just wait for my computer to load here.","start":1758.745,"end":1761.625,"sentiment":"neutral","sentiment_score":0.008277051489461552},{"text":"It does take a little bit of a minute.","start":1761.625,"end":1763.645,"sentiment":"neutral","sentiment_score":-0.04639891493651602},{"text":"Sorry.","start":1769.945,"end":1770.265,"sentiment":"neutral","sentiment_score":-0.0696692019701004},{"text":"Just bear with me.","start":1770.265,"end":1770.985,"sentiment":"neutral","sentiment_score":-0.10815617348998785},{"text":"My computer's leaning a little bit slow here.","start":1770.985,"end":1772.96,"sentiment":"neutral","sentiment_score":-0.29070115834474564}],"sentiment":"neutral","sentiment_score":-0.09558926759795709,"num_words":33,"start":1758.745,"end":1772.96},{"sentences":[{"text":"I'm just trying to download this one.","start":1772.96,"end":1774.78,"sentiment":"neutral","sentiment_score":-0.1327758410147258},{"text":"Could you find that function okay on your end?","start":1779.56,"end":1781.9,"sentiment":"neutral","sentiment_score":-0.05197392072942522},{"text":"Yeah.","start":1783.3201,"end":1783.64,"sentiment":"neutral","sentiment_score":0.08382473886013031},{"text":"Okay.","start":1783.64,"end":1784.14,"sentiment":"neutral","sentiment_score":0.0786503329873085},{"text":"So that one here.","start":1787.8151,"end":1788.855,"sentiment":"neutral","sentiment_score":0.07521800324320793}],"sentiment":"neutral","sentiment_score":-0.04244768585671078,"num_words":22,"start":1772.96,"end":1788.855},{"sentences":[{"text":"So if you through the twelve month period, you will see from the 06/16/2025 through the 06/15/2026.","start":1788.855,"end":1799.035,"sentiment":"neutral","sentiment_score":0.07419817763216355},{"text":"And did it give you a bit of a report, like a PDF version popped down when you clicked on the internal rate of return?","start":1799.64,"end":1806.14,"sentiment":"neutral","sentiment_score":0.07028165847063064},{"text":"Okay.","start":1814.615,"end":1815.015,"sentiment":"neutral","sentiment_score":0.10208861529827118},{"text":"Because I just did the twelve month from today.","start":1815.015,"end":1817.5951,"sentiment":"neutral","sentiment_score":0.11674734287791783},{"text":"So just from the June 16 to '25 to 06/15/2026, but I can send you this report after so you have that twelve month report that I'm looking at as well.","start":1818.375,"end":1829.29,"sentiment":"neutral","sentiment_score":0.1750124892400157}],"sentiment":"neutral","sentiment_score":0.11562183553195861,"num_words":83,"start":1788.855,"end":1829.29},{"sentences":[{"text":"But to give you kind of an update on your investments and everything like that, now in the last twelve months, this shows you how your return of your investments have been.","start":1830.31,"end":1841.895,"sentiment":"neutral","sentiment_score":0.27000828366726637},{"text":"Now you are obviously in an aggressive portfolio, so we do see a bit of fluctuations because of it, especially when there's a bit of market fluctuations.","start":1843.015,"end":1850.555,"sentiment":"neutral","sentiment_score":-0.15003050311847968},{"text":"Now despite that, though, and I will send you this report, and so I will send you a new updated email afterwards, that tells us that in the last twelve months, now this is just return on your investment.","start":1851.655,"end":1864.1101,"sentiment":"neutral","sentiment_score":0.2665630070826946},{"text":"So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months.","start":1864.17,"end":1877.285,"sentiment":"positive","sentiment_score":0.4764835275709629},{"text":"But I will send you this document so you can have a look at that as well, but it does break down all your investments and how they have performed.","start":1880.385,"end":1886.725,"sentiment":"neutral","sentiment_score":0.22527508040269215}],"sentiment":"neutral","sentiment_score":0.231194525398314,"num_words":160,"start":1830.31,"end":1886.725},{"sentences":[{"text":"Now when I do send it through to you, you will have a bit of a look that most of your investments have done really well.","start":1887.4199,"end":1893.9199,"sentiment":"neutral","sentiment_score":0.2781099264438336},{"text":"But there is one investment that part of the research I would like to look at swapping for you, and that is your Benelung Australian equity fund.","start":1894.5399,"end":1905.105,"sentiment":"neutral","sentiment_score":0.06341083954881739},{"text":"You can probably see even though you have a different time frames, it would be similar where that one is down at the moment.","start":1905.485,"end":1913.105,"sentiment":"neutral","sentiment_score":-0.04093534887457887},{"text":"And it can fluctuate because it is a managed fund, but the purpose of it is to actively buy and sell different investments in order to kinda outperform the market.","start":1914.13,"end":1923.43,"sentiment":"neutral","sentiment_score":0.04954647781948249},{"text":"Now they have done really well and been very successful at doing so, but more recently, they have been a little bit slower in making those decisions.","start":1924.61,"end":1933.055,"sentiment":"neutral","sentiment_score":-0.1963272369294255}],"sentiment":"neutral","sentiment_score":0.030940756118342058,"num_words":134,"start":1887.4199,"end":1933.055},{"sentences":[{"text":"And the investment committee do research all the time on the investment.","start":1933.995,"end":1938.015,"sentiment":"neutral","sentiment_score":-0.23465358403821787},{"text":"And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be.","start":1938.475,"end":1954.12,"sentiment":"neutral","sentiment_score":-0.007987465422887068},{"text":"So part of the research is that I will consider swapping that one for another option to Ben along Australian equity.","start":1954.26,"end":1965.115,"sentiment":"neutral","sentiment_score":0.10256878002768471},{"text":"Yep.","start":1976.07,"end":1976.57,"sentiment":"neutral","sentiment_score":0.07931673526763916},{"text":"Raffy?","start":1981.11,"end":1981.61,"sentiment":"neutral","sentiment_score":0.02831430546939373}],"sentiment":"neutral","sentiment_score":-0.011145009070463565,"num_words":87,"start":1933.995,"end":1981.61},{"sentences":[{"text":"Yep.","start":1984.725,"end":1985.225,"sentiment":"neutral","sentiment_score":0.03041970357298851},{"text":"Yep.","start":1986.1649,"end":1986.6649,"sentiment":"neutral","sentiment_score":0.02160475216805935},{"text":"So it's the one above that.","start":1987.605,"end":1989.225,"sentiment":"neutral","sentiment_score":0.01526340190321207},{"text":"Sorry.","start":1989.2849,"end":1989.6849,"sentiment":"neutral","sentiment_score":-0.042960844933986664},{"text":"The app the absolute first one.","start":1989.6849,"end":1991.7849,"sentiment":"neutral","sentiment_score":-0.00435955620681246}],"sentiment":"neutral","sentiment_score":0.00496577899903059,"num_words":15,"start":1984.725,"end":1991.7849},{"sentences":[{"text":"Above global cybersecurity?","start":1994.885,"end":1996.9049,"sentiment":"neutral","sentiment_score":0.0008955365046858788},{"text":"Can you see Okay.","start":2001.0199,"end":2011.795,"sentiment":"neutral","sentiment_score":0.011143583338707685},{"text":"I was yeah.","start":2011.795,"end":2013.395,"sentiment":"neutral","sentiment_score":0.002976685762405394},{"text":"Okay.","start":2013.395,"end":2013.7151,"sentiment":"neutral","sentiment_score":0.04871875047683716},{"text":"Perfect.","start":2013.7151,"end":2014.2151,"sentiment":"positive","sentiment_score":0.34534159302711487}],"sentiment":"neutral","sentiment_score":0.037520945305004716,"num_words":12,"start":1994.885,"end":2014.2151},{"sentences":[{"text":"I was like, I can see it here, but I'll send you these documents anyway in case it's looking different.","start":2014.3551,"end":2018.755,"sentiment":"neutral","sentiment_score":0.15305478312075138},{"text":"So, yes, that's the one.","start":2018.755,"end":2020.2151,"sentiment":"neutral","sentiment_score":0.20696697533130645},{"text":"That one is underperforming a little bit.","start":2025.73,"end":2028.07,"sentiment":"negative","sentiment_score":-0.466203510761261},{"text":"So I would like through part of the research to consider switching that one for you.","start":2028.21,"end":2032.7899,"sentiment":"neutral","sentiment_score":0.0470866784453392},{"text":"But I would like to do the research because I wanna assess especially capital gains tax implications.","start":2033.09,"end":2038.485,"sentiment":"neutral","sentiment_score":0.10967290752074298}],"sentiment":"neutral","sentiment_score":0.053082034564935245,"num_words":65,"start":2014.3551,"end":2038.485},{"sentences":[{"text":"Every time we do sell an investment, there will be capital gains tax.","start":2038.625,"end":2042.145,"sentiment":"neutral","sentiment_score":0.04842387913511349},{"text":"So I wanna assess all of that for you before I make a recommendation and put it all into a document so you can see exactly what all the potential fees would be, how that would change things from a total overview fee point of view as well as well as the return.","start":2042.145,"end":2060.04,"sentiment":"neutral","sentiment_score":0.2362192022912907},{"text":"So I want to do that kind of a bit more extensive, put it all in a document for you if I do find some other options to switch it for and let you know.","start":2060.42,"end":2069.515,"sentiment":"neutral","sentiment_score":0.3093640689338957},{"text":"Yep.","start":2071.655,"end":2072.155,"sentiment":"neutral","sentiment_score":-0.026059702038764954},{"text":"But you can see probably the other ones there that you can see that they've done pretty good, and that it, again, is considering that you are in a aggressive portfolio.","start":2072.775,"end":2081.4,"sentiment":"neutral","sentiment_score":0.32895352547207185}],"sentiment":"neutral","sentiment_score":0.25675466278553905,"num_words":133,"start":2038.625,"end":2081.4},{"sentences":[{"text":"So see a bit of those short term fluctuations.","start":2081.46,"end":2083.48,"sentiment":"neutral","sentiment_score":-0.08730663193596734},{"text":"So, overall, like I said, we've had a bit of, obviously, turbulent in the market.","start":2084.42,"end":2089.0798,"sentiment":"neutral","sentiment_score":-0.13175596967339515},{"text":"Your portfolio has done really good at 11.84% after fee because that is what we also so that is on page yep.","start":2089.6199,"end":2100.795,"sentiment":"neutral","sentiment_score":0.20448832093230027},{"text":"Sorry.","start":2100.795,"end":2101.035,"sentiment":"neutral","sentiment_score":0.0026570260524749756},{"text":"That is a good question.","start":2101.035,"end":2102.075,"sentiment":"neutral","sentiment_score":0.11318795830011368}],"sentiment":"neutral","sentiment_score":0.044331550875750296,"num_words":52,"start":2081.46,"end":2102.075},{"sentences":[{"text":"So on page two, now if you have a different time frame on to me, then you will have a different phase.","start":2102.075,"end":2109.31,"sentiment":"neutral","sentiment_score":-0.00918531794608994},{"text":"You will have a different result.","start":2109.31,"end":2111.71,"sentiment":"neutral","sentiment_score":-0.05580552977820238},{"text":"So because my report that I just pulled is twelve months, so 06/16/2025 to 06/15/2026, Where it shows is the second column to the right on page two where it says internal rate of return.","start":2111.71,"end":2129.325,"sentiment":"neutral","sentiment_score":-0.005990159993858209},{"text":"So that will have for me, and I will send you this, like I said, after the email sorry.","start":2131.0652,"end":2135.145,"sentiment":"neutral","sentiment_score":0.09487111199843257},{"text":"After the call, I will send you all of documents so you can see exactly all of them, and I can send you a separate fee report as well for the same period so that you can see the exact breakdown of all the fees, how much in the last twelve months was paid as adviser fees and investment fees and account fees and everything.","start":2135.145,"end":2154.295,"sentiment":"neutral","sentiment_score":0.1362152176980789}],"sentiment":"neutral","sentiment_score":0.067414792551545,"num_words":147,"start":2102.075,"end":2154.295},{"sentences":[{"text":"So you can see the full breakdown, but I will include it when I do the the research proposal for you anyway.","start":2154.435,"end":2160.055,"sentiment":"neutral","sentiment_score":0.16948373751206833},{"text":"But then this way, you will have a report of it sooner as well, if that would be helpful for you.","start":2160.595,"end":2165.13,"sentiment":"neutral","sentiment_score":0.19585773064976647},{"text":"Yep.","start":2166.65,"end":2167.0498,"sentiment":"neutral","sentiment_score":0.0730484127998352},{"text":"Okay.","start":2167.0498,"end":2167.5498,"sentiment":"neutral","sentiment_score":0.03172233700752258},{"text":"Note three.","start":2173.5298,"end":2174.5898,"sentiment":"neutral","sentiment_score":-0.00778587837703526}],"sentiment":"neutral","sentiment_score":0.1687415651481678,"num_words":47,"start":2154.435,"end":2174.5898},{"sentences":[{"text":"So for for me, the report I have, it is exactly the same because I have a twelve month period.","start":2180.245,"end":2186.5051,"sentiment":"neutral","sentiment_score":0.04020956205204129},{"text":"Now if you've pulled one that's not twelve months, the internal rate of return for number two will show you the time frame that you pull the report versus note three is then showing you a twelve month period.","start":2186.885,"end":2201.33,"sentiment":"neutral","sentiment_score":0.05148382819233797},{"text":"So that would be the difference between those.","start":2201.3901,"end":2203.275,"sentiment":"neutral","sentiment_score":0.06190354283899069},{"text":"But because I did twelve months, it's exactly the same for me.","start":2203.4348,"end":2206.7349,"sentiment":"neutral","sentiment_score":0.09903599818547566},{"text":"Yeah.","start":2208.1548,"end":2208.6548,"sentiment":"neutral","sentiment_score":0.021235913038253784}],"sentiment":"neutral","sentiment_score":0.056461959681473675,"num_words":80,"start":2180.245,"end":2208.6548},{"sentences":[{"text":"So that is a very good question.","start":2208.875,"end":2210.255,"sentiment":"positive","sentiment_score":0.5909723426614489},{"text":"Yep.","start":2212.9548,"end":2213.4548,"sentiment":"neutral","sentiment_score":0.2744901776313782},{"text":"Okay.","start":2227.29,"end":2227.69,"sentiment":"positive","sentiment_score":0.5694857835769653},{"text":"Perfect.","start":2227.69,"end":2228.19,"sentiment":"positive","sentiment_score":0.6571459770202637},{"text":"Now like I said, David, I will go and do some research on your investment.","start":2229.505,"end":2235.205,"sentiment":"neutral","sentiment_score":0.17594228436549506}],"sentiment":"neutral","sentiment_score":0.331082504093647,"num_words":25,"start":2208.875,"end":2235.205},{"sentences":[{"text":"Put a proposal together for you where you can see everything.","start":2237.025,"end":2241.445,"sentiment":"neutral","sentiment_score":0.19840280711650848},{"text":"Now the other thing is just your insurances as well.","start":2243.09,"end":2247.6702,"sentiment":"neutral","sentiment_score":0.05268138833343983},{"text":"So you do have some insurances with MetLife.","start":2248.05,"end":2252.3901,"sentiment":"neutral","sentiment_score":0.05147110065445304},{"text":"Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund?","start":2253.57,"end":2260.3552,"sentiment":"neutral","sentiment_score":0.04472583759090175},{"text":"Correct.","start":2272.28,"end":2272.78,"sentiment":"neutral","sentiment_score":0.06240978091955185}],"sentiment":"neutral","sentiment_score":0.07947391721437562,"num_words":53,"start":2237.025,"end":2272.78},{"sentences":[{"text":"So you have you have a little bit of everything.","start":2273.08,"end":2276.1401,"sentiment":"neutral","sentiment_score":0.05584239587187767},{"text":"So part of the document that I will send you afterwards as well, it will break down all of that in detail for you when the system is cooperating with me.","start":2277.0,"end":2285.055,"sentiment":"neutral","sentiment_score":0.0791701190173626},{"text":"Cooperating with me.","start":2285.135,"end":2286.035,"sentiment":"neutral","sentiment_score":0.04965191210309664},{"text":"Now what you have at the moment, so you have insurances paid from within hub twenty four.","start":2286.335,"end":2292.255,"sentiment":"neutral","sentiment_score":-0.024882086936165306},{"text":"So if it is that you want to change super funds, you'd have to be mindful of the insurances.","start":2292.255,"end":2298.655,"sentiment":"neutral","sentiment_score":-0.07138288099514811}],"sentiment":"neutral","sentiment_score":0.017279789596796036,"num_words":80,"start":2273.08,"end":2298.655},{"sentences":[{"text":"Because let's say you cancel hub twenty four, because that is where your MetLife insurances are paid for.","start":2298.655,"end":2304.51,"sentiment":"neutral","sentiment_score":-0.07583196274936199},{"text":"If there's no funds for it, they can get canceled unless you change where they get paid from.","start":2304.81,"end":2309.79,"sentiment":"neutral","sentiment_score":-0.13093811811672318},{"text":"But what you have at the moment, which, like I said, I will send to you after the call so that you have all that information, is that you have 320,000 worth of life cover.","start":2310.09,"end":2324.385,"sentiment":"neutral","sentiment_score":-0.001845708382981164},{"text":"So that is if something were to happen to you and you would pass away, that would then be paid to your kid.","start":2324.385,"end":2329.605,"sentiment":"neutral","sentiment_score":-0.0340852713941232},{"text":"You also have 320,000 worth of total permanent disability insurance.","start":2330.83,"end":2338.13,"sentiment":"neutral","sentiment_score":-0.0003019673749804497}],"sentiment":"neutral","sentiment_score":-0.04397540543085107,"num_words":104,"start":2298.655,"end":2338.13},{"sentences":[{"text":"So that is if something were to happen to you and you were to become totally and permanently disabled and could never go back to work again.","start":2338.67,"end":2346.815,"sentiment":"neutral","sentiment_score":-0.007603491346041362},{"text":"That would then be paid up to you.","start":2347.115,"end":2349.035,"sentiment":"neutral","sentiment_score":0.030997396213933825},{"text":"Okay?","start":2349.035,"end":2349.535,"sentiment":"neutral","sentiment_score":0.02766711451113224},{"text":"And then you also have an income protection policy.","start":2351.195,"end":2354.635,"sentiment":"neutral","sentiment_score":0.022987134754657745},{"text":"Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work.","start":2354.635,"end":2364.08,"sentiment":"neutral","sentiment_score":0.02099008820950985}],"sentiment":"neutral","sentiment_score":0.010723661459409273,"num_words":65,"start":2338.67,"end":2364.08},{"sentences":[{"text":"Now that pays you a monthly amount, and that will be $4,900 on a monthly basis.","start":2364.62,"end":2372.1602,"sentiment":"neutral","sentiment_score":0.057398687582463026},{"text":"You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid.","start":2373.305,"end":2383.2449,"sentiment":"neutral","sentiment_score":-0.00939450467315813},{"text":"And then you have a two year benefit period, which means that it will be for a two year up to two years, you could be on this income protection policy for if you are eligible.","start":2383.9448,"end":2395.6099,"sentiment":"neutral","sentiment_score":0.1369379951308171},{"text":"Does that make sense?","start":2395.83,"end":2396.97,"sentiment":"neutral","sentiment_score":0.12338872998952866},{"text":"Yep.","start":2398.725,"end":2399.205,"sentiment":"positive","sentiment_score":0.3818052411079407}],"sentiment":"neutral","sentiment_score":0.08022270215974178,"num_words":81,"start":2364.62,"end":2399.205},{"sentences":[{"text":"Perfect.","start":2399.205,"end":2399.705,"sentiment":"positive","sentiment_score":0.6845600008964539},{"text":"Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per.","start":2400.645,"end":2414.46,"sentiment":"neutral","sentiment_score":0.14445011227419882},{"text":"What was that?","start":2424.14,"end":2424.7,"sentiment":"neutral","sentiment_score":0.02110436682899793},{"text":"Sorry, David.","start":2424.7,"end":2425.26,"sentiment":"neutral","sentiment_score":-0.09130546450614929},{"text":"I you just cut out a little bit for me.","start":2425.26,"end":2427.165,"sentiment":"neutral","sentiment_score":-0.13546282202005386}],"sentiment":"neutral","sentiment_score":0.08117321749426881,"num_words":49,"start":2399.205,"end":2427.165},{"sentences":[{"text":"Correct.","start":2437.085,"end":2437.585,"sentiment":"neutral","sentiment_score":0.0061715468764305115},{"text":"Correct.","start":2438.445,"end":2438.925,"sentiment":"neutral","sentiment_score":0.034843891859054565},{"text":"So every year, you have to pay that 2,320 in order to have that cover in place if something were to happen.","start":2438.925,"end":2447.26,"sentiment":"neutral","sentiment_score":0.06722333434630524},{"text":"Yep.","start":2449.88,"end":2450.38,"sentiment":"neutral","sentiment_score":0.10486330091953278},{"text":"Now do you have any questions in regards to your insurances?","start":2451.16,"end":2454.3,"sentiment":"neutral","sentiment_score":0.07375987788492983}],"sentiment":"neutral","sentiment_score":0.06767085422244337,"num_words":36,"start":2437.085,"end":2454.3},{"sentences":[{"text":"Part of the reason Mhmm.","start":2454.68,"end":2455.98,"sentiment":"neutral","sentiment_score":0.025843410566449166},{"text":"Correct.","start":2462.2449,"end":2462.7449,"sentiment":"neutral","sentiment_score":0.05660787969827652},{"text":"Correct.","start":2463.525,"end":2464.025,"sentiment":"neutral","sentiment_score":0.0506410151720047},{"text":"Yes.","start":2464.2449,"end":2464.7449,"sentiment":"neutral","sentiment_score":0.04751797392964363},{"text":"2,320 and 56¢.","start":2469.48,"end":2474.46,"sentiment":"neutral","sentiment_score":0.035329184494912624}],"sentiment":"neutral","sentiment_score":0.03546422906219959,"num_words":11,"start":2454.68,"end":2474.46},{"sentences":[{"text":"It will also be on the document that I will reissue to you after the call today so you have it all in writing as well.","start":2474.76,"end":2480.7,"sentiment":"neutral","sentiment_score":0.08197858313528392},{"text":"Correct.","start":2484.2148,"end":2484.7148,"sentiment":"neutral","sentiment_score":0.0992855653166771},{"text":"Yes.","start":2484.9348,"end":2485.4348,"sentiment":"neutral","sentiment_score":0.1003694236278534},{"text":"Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover?","start":2491.095,"end":2506.07,"sentiment":"neutral","sentiment_score":0.08374393679615524},{"text":"Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen?","start":2506.07,"end":2516.125,"sentiment":"neutral","sentiment_score":0.05681589292362332}],"sentiment":"neutral","sentiment_score":0.07391252020373941,"num_words":100,"start":2474.76,"end":2516.125},{"sentences":[{"text":"Correct.","start":2522.2002,"end":2522.7002,"sentiment":"neutral","sentiment_score":0.009312735870480536},{"text":"Correct.","start":2523.32,"end":2523.82,"sentiment":"neutral","sentiment_score":0.03989788517355919},{"text":"You have to pay more.","start":2524.12,"end":2525.32,"sentiment":"neutral","sentiment_score":-0.09179067313671112},{"text":"And then because the good thing with the type of cover you have in place, which is why it's it's very different to your standard, like, group cover, that would be, like, your default cover option with, like, or suit for a host plus and stuff.","start":2525.32,"end":2538.0552,"sentiment":"neutral","sentiment_score":0.018571772936569607},{"text":"It's very different.","start":2538.0552,"end":2539.0352,"sentiment":"neutral","sentiment_score":-0.14773064851760864}],"sentiment":"neutral","sentiment_score":0.000024408301604645346,"num_words":56,"start":2522.2002,"end":2539.0352},{"sentences":[{"text":"The the MetLife insurance is is tailored to you.","start":2539.655,"end":2543.5151,"sentiment":"neutral","sentiment_score":0.11179429747992092},{"text":"So when you applied for the cover, you went through a bit of a questionnaire answering your lifestyle, income, health, anything like that.","start":2543.895,"end":2552.48,"sentiment":"neutral","sentiment_score":0.056312242765789444},{"text":"Do you remember that?","start":2552.48,"end":2553.62,"sentiment":"neutral","sentiment_score":0.021085428539663553},{"text":"Yep.","start":2554.8801,"end":2555.3801,"sentiment":"neutral","sentiment_score":0.036278992891311646},{"text":"Sorry.","start":2555.44,"end":2555.76,"sentiment":"neutral","sentiment_score":-0.04989283159375191}],"sentiment":"neutral","sentiment_score":0.06242258253654367,"num_words":38,"start":2539.655,"end":2555.76},{"sentences":[{"text":"What that basically was is that you then looked into a contract with MetLife, and they can't just go and change your insurances for you.","start":2555.76,"end":2563.44,"sentiment":"neutral","sentiment_score":0.00830578699707985},{"text":"And anything that would happen to you medically or illness or if you take up a super risky occup a hobby or anything like that, you are covered for.","start":2563.44,"end":2574.375,"sentiment":"neutral","sentiment_score":0.039187186750872384},{"text":"So it gives you that certainty because it's already kind of locked in and put in place.","start":2574.375,"end":2578.5552,"sentiment":"neutral","sentiment_score":0.2954506093964857},{"text":"So it's very tailored specifically to you.","start":2578.8552,"end":2581.3552,"sentiment":"positive","sentiment_score":0.34802364877292086},{"text":"Whereas your standard kind of group cover, they just assess it at the time of claim if you are eligible for the payout depending on your health and occupation and stuff like that.","start":2582.41,"end":2595.1501,"sentiment":"neutral","sentiment_score":0.1048456992615353}],"sentiment":"neutral","sentiment_score":0.11047573934669967,"num_words":111,"start":2555.76,"end":2595.1501},{"sentences":[{"text":"Yep.","start":2597.045,"end":2597.545,"sentiment":"neutral","sentiment_score":0.07058722525835037},{"text":"Any questions when it comes to those insurances there, David?","start":2598.405,"end":2601.7048,"sentiment":"neutral","sentiment_score":0.03375208284705877},{"text":"I can by reducing how much you will get paid out if something were to happen, but that would basically be the way.","start":2612.18,"end":2618.36,"sentiment":"neutral","sentiment_score":-0.03881523158887158},{"text":"So if you if you feel like you don't need 320,000 or that level of income, I can get quotes of reducing it.","start":2618.82,"end":2627.885,"sentiment":"neutral","sentiment_score":0.06445559065627016},{"text":"But, obviously, that would mean that if something were to happen, you're not gonna have as much cover if something were to happen.","start":2628.025,"end":2633.005,"sentiment":"neutral","sentiment_score":-0.06779087966550952}],"sentiment":"neutral","sentiment_score":-0.007016924000345171,"num_words":80,"start":2597.045,"end":2633.005},{"sentences":[{"text":"But that would kind of be the way to reduce the cover, the premium.","start":2633.065,"end":2636.365,"sentiment":"neutral","sentiment_score":-0.05728386103042534},{"text":"Yep.","start":2638.77,"end":2639.27,"sentiment":"neutral","sentiment_score":0.10415282845497131},{"text":"Would you like me to look at getting any quotes, or are you happy for the time being with that amount?","start":2639.7302,"end":2645.99,"sentiment":"neutral","sentiment_score":0.051331281661987305},{"text":"Okay.","start":2648.865,"end":2649.365,"sentiment":"neutral","sentiment_score":0.32842332124710083},{"text":"Perfect.","start":2649.505,"end":2650.005,"sentiment":"positive","sentiment_score":0.561821460723877}],"sentiment":"neutral","sentiment_score":0.033431065023729674,"num_words":38,"start":2633.065,"end":2650.005},{"sentences":[{"text":"Now part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document.","start":2652.225,"end":2665.0999,"sentiment":"neutral","sentiment_score":0.24789024144411087},{"text":"It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market.","start":2665.4,"end":2677.74,"sentiment":"neutral","sentiment_score":0.2543491694662306},{"text":"Now you will also have an updated financial services guide.","start":2678.535,"end":2682.395,"sentiment":"neutral","sentiment_score":0.13218652307987214},{"text":"That one, you probably would have seen a couple of times.","start":2682.4548,"end":2684.6948,"sentiment":"neutral","sentiment_score":0.13917327130382712},{"text":"It is just an updated document.","start":2684.6948,"end":2686.555,"sentiment":"neutral","sentiment_score":0.20265762011210123}],"sentiment":"neutral","sentiment_score":0.22777241539081622,"num_words":116,"start":2652.225,"end":2686.555},{"sentences":[{"text":"It does give you all the important information in regards to us here at Oakview Financial.","start":2687.175,"end":2692.875,"sentiment":"neutral","sentiment_score":0.2672554384917021},{"text":"Gives you some information about the team, our director's advices.","start":2693.5598,"end":2696.6199,"sentiment":"neutral","sentiment_score":0.19384853839874266},{"text":"Everything is in there for you if you would like to have a bit of a read over it.","start":2696.8398,"end":2700.7,"sentiment":"neutral","sentiment_score":0.22703127798281217},{"text":"Then the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement.","start":2701.48,"end":2709.435,"sentiment":"neutral","sentiment_score":0.062587087650014},{"text":"But don't sign anything that you have now.","start":2709.435,"end":2711.0352,"sentiment":"neutral","sentiment_score":-0.17636557575315237}],"sentiment":"neutral","sentiment_score":0.13890454067701571,"num_words":76,"start":2687.175,"end":2711.0352},{"sentences":[{"text":"I will get that all fixed and updated for you, which is the the fee we mentioned, which is then your ongoing service agreement.","start":2711.0352,"end":2718.8152,"sentiment":"neutral","sentiment_score":0.11090498634924491},{"text":"Now that form is to say that you are happy to stay on as a client, but I'm happy to do, obviously, the research and everything for you first in a bit more detail before, obviously, get you to commit to anything and seeing how you are feeling.","start":2719.435,"end":2735.07,"sentiment":"positive","sentiment_score":0.4845981042211254},{"text":"And it is not a lock in contract at all.","start":2736.9448,"end":2739.9048,"sentiment":"neutral","sentiment_score":-0.005621864646673203},{"text":"So even if you were to go, okay.","start":2739.9048,"end":2741.825,"sentiment":"neutral","sentiment_score":0.08855452295392752},{"text":"After the research, you are happy to stay on for a little bit, it is not a lock in contract.","start":2741.825,"end":2746.385,"sentiment":"neutral","sentiment_score":0.20231260135769844}],"sentiment":"neutral","sentiment_score":0.2783718021755869,"num_words":110,"start":2711.0352,"end":2746.385},{"sentences":[{"text":"You can cancel it whenever you want to.","start":2746.385,"end":2748.2249,"sentiment":"neutral","sentiment_score":0.06471909629181027},{"text":"There is no exit fee.","start":2748.2249,"end":2749.62,"sentiment":"neutral","sentiment_score":0.053275419771671294},{"text":"And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost.","start":2750.58,"end":2758.36,"sentiment":"neutral","sentiment_score":0.1331536959235867},{"text":"It does come out like you would have seen in your account on a monthly basis.","start":2758.9001,"end":2762.84,"sentiment":"neutral","sentiment_score":0.18118476495146751},{"text":"So it is only deducted on a monthly basis for you.","start":2763.165,"end":2766.445,"sentiment":"neutral","sentiment_score":0.1252702616832473}],"sentiment":"neutral","sentiment_score":0.12901168264215812,"num_words":64,"start":2746.385,"end":2766.445},{"sentences":[{"text":"Does that make sense?","start":2766.445,"end":2767.585,"sentiment":"neutral","sentiment_score":0.1148726288229227},{"text":"Yep.","start":2768.845,"end":2769.325,"sentiment":"neutral","sentiment_score":0.1028209626674652},{"text":"K.","start":2769.325,"end":2769.805,"sentiment":"neutral","sentiment_score":0.14465272426605225},{"text":"Perfect.","start":2769.805,"end":2770.305,"sentiment":"positive","sentiment_score":0.581705629825592},{"text":"Now, David, it will take me about a week or so to put together all of this research for you.","start":2771.245,"end":2779.4202,"sentiment":"neutral","sentiment_score":0.3078707277774811}],"sentiment":"neutral","sentiment_score":0.2757809032444601,"num_words":27,"start":2766.445,"end":2779.4202},{"sentences":[{"text":"So do you have any time sometimes sometime at the end of next week around Wednesday, potentially, for me to give you a call?","start":2779.4202,"end":2792.4001,"sentiment":"neutral","sentiment_score":0.09675849974155426},{"text":"Yeah.","start":2793.925,"end":2794.405,"sentiment":"neutral","sentiment_score":0.14002886414527893},{"text":"Okay.","start":2794.405,"end":2794.805,"sentiment":"neutral","sentiment_score":0.2597211003303528},{"text":"Perfect.","start":2794.805,"end":2795.305,"sentiment":"neutral","sentiment_score":0.03588549792766571},{"text":"Now what I will do as well is when I do call so we don't have the same issue with the phone not coming through, I'll call you twice, and then I will send you if for some reason it doesn't go through, and I will also send you it's usually text or email.","start":2796.085,"end":2810.3,"sentiment":"neutral","sentiment_score":0.04586985838358049}],"sentiment":"neutral","sentiment_score":0.06462730628288822,"num_words":81,"start":2779.4202,"end":2810.3},{"sentences":[{"text":"What's the the quickest for you usually?","start":2810.3,"end":2812.48,"sentiment":"neutral","sentiment_score":0.08638026618531772},{"text":"Okay.","start":2817.42,"end":2817.82,"sentiment":"positive","sentiment_score":0.3629012107849121},{"text":"Perfect.","start":2817.82,"end":2818.32,"sentiment":"positive","sentiment_score":0.5203715562820435},{"text":"I will do via the phone, and if there's some issues, I will just try calling twice and try to leave a voice mail.","start":2818.62,"end":2824.615,"sentiment":"neutral","sentiment_score":0.16301807730148235},{"text":"Hopefully, it was just this time around that the phone was having a bit of a glitch.","start":2824.615,"end":2829.275,"sentiment":"neutral","sentiment_score":-0.05864332490326727}],"sentiment":"neutral","sentiment_score":0.08806863924488426,"num_words":50,"start":2810.3,"end":2829.275},{"sentences":[{"text":"Now Wednesday at the moment, I have afternoon appointment.","start":2830.6948,"end":2835.835,"sentiment":"neutral","sentiment_score":0.023254035247696772},{"text":"Do you have any particular time on Wednesday that would work best for you?","start":2836.76,"end":2840.8398,"sentiment":"neutral","sentiment_score":0.06581984832882881},{"text":"So that'll be Wednesday, the twenty fourth.","start":2840.8398,"end":2842.7,"sentiment":"neutral","sentiment_score":0.007792838383466005},{"text":"Okay.","start":2846.3599,"end":2846.8599,"sentiment":"neutral","sentiment_score":0.007730184122920036},{"text":"Let me see.","start":2848.5999,"end":2849.3198,"sentiment":"neutral","sentiment_score":0.01047618966549635}],"sentiment":"neutral","sentiment_score":0.03601390634225134,"num_words":34,"start":2830.6948,"end":2849.3198},{"sentences":[{"text":"I could do 02:00.","start":2849.3198,"end":2850.78,"sentiment":"neutral","sentiment_score":0.0162029224447906},{"text":"Would that be okay?","start":2850.92,"end":2852.0598,"sentiment":"neutral","sentiment_score":0.04069124720990658},{"text":"Yes.","start":2853.445,"end":2853.945,"sentiment":"neutral","sentiment_score":0.17393919825553894},{"text":"Okay.","start":2854.165,"end":2854.4849,"sentiment":"neutral","sentiment_score":0.25830692052841187},{"text":"Perfect.","start":2854.4849,"end":2854.9849,"sentiment":"positive","sentiment_score":0.3965553641319275}],"sentiment":"neutral","sentiment_score":0.09603437832133337,"num_words":11,"start":2849.3198,"end":2854.9849},{"sentences":[{"text":"Well, I booked that in on Wednesday, June 24 at 2PM for you.","start":2855.045,"end":2861.785,"sentiment":"neutral","sentiment_score":0.2580509220178311},{"text":"I will do, like I said, a bit more in-depth in regards to all the fees, performance, and everything like that.","start":2862.005,"end":2869.1301,"sentiment":"neutral","sentiment_score":0.17486936811889922},{"text":"Put a bit of a proposal together if I feel like we should change anything.","start":2869.27,"end":2873.69,"sentiment":"neutral","sentiment_score":0.1334510793288549},{"text":"Part of the research, like I said, I will also consider a range of different industry funds to show you would, okay, if you do wanna go to host plus or super, what's going to be the tax that you potentially have to pay to move?","start":2874.15,"end":2888.015,"sentiment":"neutral","sentiment_score":0.15005584368887154},{"text":"What are the fees and what are the returns so that you can have all the information in front of you before you do make a decision on what you would like to do moving forward?","start":2888.075,"end":2896.175,"sentiment":"neutral","sentiment_score":0.1983061544597149}],"sentiment":"neutral","sentiment_score":0.17610897157938427,"num_words":131,"start":2855.045,"end":2896.175},{"sentences":[{"text":"Yep.","start":2896.32,"end":2896.82,"sentiment":"neutral","sentiment_score":0.17520180344581604},{"text":"Like I said as well, I will get the team to send you a new document.","start":2899.36,"end":2904.02,"sentiment":"neutral","sentiment_score":0.22550696320831776},{"text":"So it'd be a new digital link.","start":2904.96,"end":2906.72,"sentiment":"neutral","sentiment_score":0.1977711660521371},{"text":"Again, it will allow you so when you click on the link, it's not going to ask you to sign right away.","start":2906.72,"end":2911.325,"sentiment":"neutral","sentiment_score":0.1854894377968528},{"text":"You can see all the documents that I kind of went through today.","start":2911.325,"end":2913.9849,"sentiment":"neutral","sentiment_score":0.30300838213700515}],"sentiment":"neutral","sentiment_score":0.22351844027890996,"num_words":59,"start":2896.32,"end":2913.9849},{"sentences":[{"text":"The performance, it will show you the the super balance and your insurances and everything.","start":2914.285,"end":2919.265,"sentiment":"neutral","sentiment_score":0.24438139783839385},{"text":"So you're welcome to go and have a look at that as well.","start":2919.565,"end":2922.865,"sentiment":"positive","sentiment_score":0.7065275861666753},{"text":"And if you have any further questions, just give me a call.","start":2923.18,"end":2926.06,"sentiment":"neutral","sentiment_score":0.26441770046949387},{"text":"But, otherwise, I will give you a call on Wednesday, June 24 at 2PM.","start":2926.06,"end":2931.04,"sentiment":"neutral","sentiment_score":0.1350096964410373},{"text":"I would I would have to just check with the team who prepared the documents.","start":2942.155,"end":2946.4148,"sentiment":"neutral","sentiment_score":-0.13002254317204157}],"sentiment":"neutral","sentiment_score":0.23135347240536974,"num_words":69,"start":2914.285,"end":2946.4148},{"sentences":[{"text":"So I'll go and speak to them after the call today and just triple check that for you.","start":2946.635,"end":2951.01,"sentiment":"neutral","sentiment_score":0.023905903100967407},{"text":"Mhmm.","start":2958.77,"end":2959.27,"sentiment":"neutral","sentiment_score":0.006435052957385778},{"text":"Yes.","start":2963.25,"end":2963.75,"sentiment":"neutral","sentiment_score":0.008691038936376572},{"text":"So, usually, if you just click on home, it should take you back to, like, your home screen.","start":2971.5852,"end":2976.8052,"sentiment":"neutral","sentiment_score":0.0027289383320344817},{"text":"Yes.","start":2978.94,"end":2979.44,"sentiment":"neutral","sentiment_score":-0.008091163821518421}],"sentiment":"neutral","sentiment_score":0.012473386509391742,"num_words":39,"start":2946.635,"end":2979.44},{"sentences":[{"text":"But 260429.","start":2980.06,"end":2984.72,"sentiment":"neutral","sentiment_score":-0.008275781758129597},{"text":"Yep.","start":2986.46,"end":2986.86,"sentiment":"neutral","sentiment_score":0.030771439895033836},{"text":"But I will put that I will get there.","start":2986.86,"end":2988.3801,"sentiment":"neutral","sentiment_score":-0.06730002992682987},{"text":"I will go and speak to the team and get those updated.","start":2988.3801,"end":2992.0151,"sentiment":"neutral","sentiment_score":-0.047782511139909424},{"text":"So I will cancel the one that I have sent you at the moment.","start":2992.5552,"end":2995.675,"sentiment":"neutral","sentiment_score":-0.22830705344676971}],"sentiment":"neutral","sentiment_score":-0.11476761249727324,"num_words":38,"start":2980.06,"end":2995.675},{"sentences":[{"text":"So, obviously, don't do anything with that.","start":2995.675,"end":2997.195,"sentiment":"neutral","sentiment_score":-0.275499199117933},{"text":"I'll go and cancel it, and I will get it reissued through you.","start":2997.195,"end":3001.355,"sentiment":"neutral","sentiment_score":-0.06572530046105385},{"text":"You should have it within the next thirteen minutes in your inbox.","start":3001.355,"end":3004.735,"sentiment":"neutral","sentiment_score":0.27174579973022145},{"text":"So keep a little lookout for that one.","start":3005.4202,"end":3007.4402,"sentiment":"neutral","sentiment_score":0.19248863495886326},{"text":"Like I said, it will ask you to click on the link again.","start":3007.5,"end":3009.74,"sentiment":"neutral","sentiment_score":0.13272124356948412}],"sentiment":"neutral","sentiment_score":0.07062851967957784,"num_words":53,"start":2995.675,"end":3009.74},{"sentences":[{"text":"You can still view all the documents, and it's not going to get you to sign anything until the end, but you don't have to.","start":3009.74,"end":3015.6802,"sentiment":"neutral","sentiment_score":0.09515888258814811},{"text":"Yep.","start":3017.435,"end":3017.935,"sentiment":"neutral","sentiment_score":0.10377367585897446},{"text":"The Benelon potentially.","start":3028.235,"end":3029.535,"sentiment":"neutral","sentiment_score":0.026182881246010464},{"text":"Yep.","start":3030.155,"end":3030.655,"sentiment":"neutral","sentiment_score":0.05948029085993767},{"text":"Where we were, like, looking at the transactions.","start":3040.09,"end":3042.35,"sentiment":"neutral","sentiment_score":0.020063377683982253}],"sentiment":"neutral","sentiment_score":0.07319162359559223,"num_words":38,"start":3009.74,"end":3042.35},{"sentences":[{"text":"So if you go if you go into those three little dot points again, it should have account reports.","start":3044.7148,"end":3050.7349,"sentiment":"neutral","sentiment_score":0.033677067215505396},{"text":"Or even on the home screen, sometimes you can scroll down.","start":3051.275,"end":3054.4148,"sentiment":"neutral","sentiment_score":-0.012915064411407167},{"text":"Okay.","start":3056.4102,"end":3056.9102,"sentiment":"neutral","sentiment_score":0.03213832899928093},{"text":"Potentially, but I'd need to do the research before I can tell you what I suggest that you do.","start":3074.425,"end":3079.9448,"sentiment":"neutral","sentiment_score":-0.18355463356956056},{"text":"Yes.","start":3079.9448,"end":3080.4448,"sentiment":"neutral","sentiment_score":-0.030842378735542297}],"sentiment":"neutral","sentiment_score":-0.0585969317448782,"num_words":51,"start":3044.7148,"end":3080.4448},{"sentences":[{"text":"Yes.","start":3086.57,"end":3087.07,"sentiment":"neutral","sentiment_score":-0.08515018969774246},{"text":"So from the investment committee, because they obviously do research on the investments all the time, is that it has been underperforming a little bit recently.","start":3087.29,"end":3095.63,"sentiment":"neutral","sentiment_score":-0.24737884419468734},{"text":"And if that is the case, then we want to go and do more research on the investment.","start":3096.485,"end":3100.585,"sentiment":"neutral","sentiment_score":-0.07574613102608257},{"text":"But I won't say, obviously, do this or do that without putting everything putting a formal recommendation together and do all that research with, you know, the fees and the returns and capital gains tax and everything before I tell you what I think we should do.","start":3101.2852,"end":3115.81,"sentiment":"neutral","sentiment_score":-0.09658329252232896},{"text":"Yeah.","start":3117.47,"end":3117.97,"sentiment":"neutral","sentiment_score":0.030449461191892624}],"sentiment":"neutral","sentiment_score":-0.1332193095116846,"num_words":93,"start":3086.57,"end":3117.97},{"sentences":[{"text":"So the one that I can see here is when I just looked at the twelve month period.","start":3130.445,"end":3135.085,"sentiment":"neutral","sentiment_score":-0.038425154983997345},{"text":"So we can see that even on, like, the gain and losses, you can see that it is, yeah, down a little bit, but all the other ones are positive.","start":3135.085,"end":3143.93,"sentiment":"neutral","sentiment_score":0.02582555040717125},{"text":"But it's just enough for me to go, okay.","start":3144.47,"end":3147.75,"sentiment":"neutral","sentiment_score":0.14452388717068565},{"text":"Well, we wanna go and investigate a little bit more just to make sure we have you in the best option.","start":3147.75,"end":3154.825,"sentiment":"neutral","sentiment_score":0.1737463999362219},{"text":"Because if we when the investment sorry?","start":3155.125,"end":3157.7048,"sentiment":"neutral","sentiment_score":-0.11083605353321348}],"sentiment":"neutral","sentiment_score":0.05007824389373555,"num_words":85,"start":3130.445,"end":3157.7048},{"sentences":[{"text":"Yeah.","start":3161.285,"end":3161.6848,"sentiment":"neutral","sentiment_score":0.04203995689749718},{"text":"So we wanna make sure I do a bit more in-depth in regards to that investment to make sure it's still going to be the best one for you.","start":3161.6848,"end":3168.66,"sentiment":"neutral","sentiment_score":0.1292277955418003},{"text":"Because sometimes if an investment is down, if it's a bit of, like, a cyclical trend with what is going on, we don't also wanna sell when things are down if we proceed coming back around.","start":3168.66,"end":3178.52,"sentiment":"neutral","sentiment_score":-0.32730671597851646},{"text":"But if we see that there's going to be potentially other best options that's going to, you know, improve their returns and especially those fees that you're talking about, if I can find something that's cheaper and still still give you a similar outcome, then I wanna assess that for you to try and to reduce those fees as much as possible by not compromising on the returns and your retirement outcome.","start":3179.1548,"end":3204.16,"sentiment":"neutral","sentiment_score":0.3236380306382974},{"text":"Yep.","start":3206.315,"end":3206.815,"sentiment":"neutral","sentiment_score":0.11250609159469604}],"sentiment":"neutral","sentiment_score":0.11094279532327497,"num_words":139,"start":3161.285,"end":3206.815},{"sentences":[{"text":"Yes.","start":3213.1948,"end":3213.6948,"sentiment":"neutral","sentiment_score":0.08726625889539719},{"text":"Yep.","start":3217.515,"end":3218.015,"sentiment":"neutral","sentiment_score":0.07683780044317245},{"text":"Let me check.","start":3223.0398,"end":3224.0999,"sentiment":"neutral","sentiment_score":0.014558262502153715},{"text":"39,784 is what I have in front of me.","start":3224.16,"end":3228.42,"sentiment":"neutral","sentiment_score":0.01182661671191454},{"text":"But if you have a different different times yeah.","start":3229.68,"end":3232.7449,"sentiment":"neutral","sentiment_score":-0.020760274181763332}],"sentiment":"neutral","sentiment_score":0.005538083896364855,"num_words":23,"start":3213.1948,"end":3232.7449},{"sentences":[{"text":"Well, that much that was how much you had in that investment option at the start of that period.","start":3243.7,"end":3249.0,"sentiment":"neutral","sentiment_score":0.036394744033091946},{"text":"Now the start of my period was June 16.","start":3249.22,"end":3252.6802,"sentiment":"neutral","sentiment_score":0.022838633300529584},{"text":"So, obviously, if you had a different start period, it will be like that was how much you had invested in that investment option at the time.","start":3252.82,"end":3267.025,"sentiment":"neutral","sentiment_score":0.010915760019863094},{"text":"Mhmm.","start":3267.1648,"end":3267.6648,"sentiment":"neutral","sentiment_score":0.00302277784794569},{"text":"So that was how much what was bought into that investment for you?","start":3269.2449,"end":3273.79,"sentiment":"neutral","sentiment_score":0.0034498652586570154}],"sentiment":"neutral","sentiment_score":0.017965860624352226,"num_words":69,"start":3243.7,"end":3273.79},{"sentences":[{"text":"Yep.","start":3280.97,"end":3281.45,"sentiment":"neutral","sentiment_score":0.0466400682926178},{"text":"Correct.","start":3281.45,"end":3281.95,"sentiment":"neutral","sentiment_score":0.07421767711639404},{"text":"Correct.","start":3287.785,"end":3288.285,"sentiment":"neutral","sentiment_score":0.09921209514141084},{"text":"Correct.","start":3294.345,"end":3294.845,"sentiment":"neutral","sentiment_score":0.12082582712173462},{"text":"Yes.","start":3295.065,"end":3295.565,"sentiment":"neutral","sentiment_score":0.09864959120750429}],"sentiment":"neutral","sentiment_score":0.0879090517759323,"num_words":5,"start":3280.97,"end":3295.565},{"sentences":[{"text":"Yep.","start":3298.97,"end":3299.29,"sentiment":"neutral","sentiment_score":0.05597705766558647},{"text":"Will be income derived from those investments.","start":3299.29,"end":3301.87,"sentiment":"neutral","sentiment_score":0.032952423340507915},{"text":"That's income derived from those investments.","start":3304.41,"end":3306.59,"sentiment":"neutral","sentiment_score":0.013685036140183607},{"text":"And it Yep.","start":3307.785,"end":3318.4448,"sentiment":"neutral","sentiment_score":0.0031457841396331787},{"text":"Correct.","start":3319.145,"end":3319.645,"sentiment":"neutral","sentiment_score":0.05105593428015709}],"sentiment":"neutral","sentiment_score":0.023847084699405566,"num_words":18,"start":3298.97,"end":3319.645},{"sentences":[{"text":"Yep.","start":3319.7048,"end":3320.13,"sentiment":"neutral","sentiment_score":0.030084211379289627},{"text":"Yep.","start":3322.2898,"end":3322.7898,"sentiment":"neutral","sentiment_score":0.26533135771751404},{"text":"That's growth on your investments.","start":3323.89,"end":3325.5898,"sentiment":"positive","sentiment_score":0.4077631890773773},{"text":"Correct.","start":3333.5051,"end":3334.0051,"sentiment":"neutral","sentiment_score":-0.07328613102436066},{"text":"Yes.","start":3334.065,"end":3334.385,"sentiment":"neutral","sentiment_score":0.025708068162202835}],"sentiment":"neutral","sentiment_score":0.2540726057357258,"num_words":9,"start":3319.7048,"end":3334.385},{"sentences":[{"text":"So bracket means it's negative, and if there's no bracket, that means it's positive.","start":3334.385,"end":3338.245,"sentiment":"neutral","sentiment_score":-0.10352883168629237},{"text":"Correct.","start":3344.64,"end":3345.14,"sentiment":"neutral","sentiment_score":0.08320962637662888},{"text":"Yes.","start":3345.2,"end":3345.7,"sentiment":"neutral","sentiment_score":0.042226217687129974},{"text":"Yes.","start":3347.28,"end":3347.78,"sentiment":"neutral","sentiment_score":0.09397639334201811},{"text":"So that's why I do wanna look into that one in a little bit more detail for you.","start":3348.7998,"end":3352.5798,"sentiment":"neutral","sentiment_score":0.16983811143371794}],"sentiment":"neutral","sentiment_score":0.052202702845845904,"num_words":35,"start":3334.385,"end":3352.5798},{"sentences":[{"text":"Mhmm.","start":3367.695,"end":3368.19,"sentiment":"neutral","sentiment_score":0.043043896555900574},{"text":"Yep.","start":3368.19,"end":3368.69,"sentiment":"neutral","sentiment_score":0.05216823145747185},{"text":"No.","start":3375.47,"end":3375.79,"sentiment":"neutral","sentiment_score":-0.03774111717939377},{"text":"You don't have to at all.","start":3375.79,"end":3377.3298,"sentiment":"neutral","sentiment_score":-0.020485572516918182},{"text":"It's obviously when we put together the portfolio, there's a lot of things that goes into putting a portfolio together.","start":3377.63,"end":3384.13,"sentiment":"neutral","sentiment_score":0.07803047131747007}],"sentiment":"neutral","sentiment_score":0.05155748283040935,"num_words":29,"start":3367.695,"end":3384.13},{"sentences":[{"text":"And a lot of it first is making sure that we align with your risk profile.","start":3384.485,"end":3388.325,"sentiment":"neutral","sentiment_score":0.10048151714727283},{"text":"So that aggressive that we do wanna have majority of your fund in your growth investment.","start":3388.325,"end":3392.345,"sentiment":"neutral","sentiment_score":0.18457670975476503},{"text":"And then you wanna also make sure you look at a lot of diversification and if that elements through the.","start":3393.125,"end":3399.625,"sentiment":"neutral","sentiment_score":0.15984299592673779},{"text":"If you have everything in, let's say, one investment option, obviously, it's not very diversified.","start":3400.2998,"end":3403.92,"sentiment":"neutral","sentiment_score":0.013491386827081443},{"text":"So let's say if everything was in bed along, then, obviously, that would have you know, when it's doing really good, it's doing really, really good.","start":3404.0598,"end":3410.46,"sentiment":"neutral","sentiment_score":0.18612364994791838}],"sentiment":"neutral","sentiment_score":0.13762771236580065,"num_words":93,"start":3384.485,"end":3410.46},{"sentences":[{"text":"But when it's doing not so good, like, at the moment, then that would mean that everything will be in that investment option.","start":3410.46,"end":3415.785,"sentiment":"neutral","sentiment_score":-0.1392060084187466},{"text":"So we wanna make sure we diversify things for you.","start":3415.865,"end":3418.6848,"sentiment":"neutral","sentiment_score":0.23623296841979027},{"text":"So if something happens to one investment, it spreads out that risk.","start":3418.825,"end":3422.4448,"sentiment":"neutral","sentiment_score":0.17343059306343397},{"text":"Does that make sense?","start":3422.505,"end":3423.565,"sentiment":"neutral","sentiment_score":0.14326033182442188},{"text":"Yeah.","start":3425.065,"end":3425.565,"sentiment":"neutral","sentiment_score":0.24077536165714264}],"sentiment":"neutral","sentiment_score":0.041111505925655364,"num_words":50,"start":3410.46,"end":3425.565},{"sentences":[{"text":"Yeah.","start":3425.625,"end":3426.125,"sentiment":"neutral","sentiment_score":0.28633570671081543},{"text":"No.","start":3431.0,"end":3431.48,"sentiment":"neutral","sentiment_score":0.14214380085468292},{"text":"You the good thing with Hub twenty four is that there's hundreds of different options if you wanted to.","start":3431.48,"end":3437.08,"sentiment":"positive","sentiment_score":0.4337221389930499},{"text":"But then at the same time, you know, we we consider, well, it might not be worth having, like, a $2 in one investment option.","start":3437.08,"end":3444.445,"sentiment":"neutral","sentiment_score":-0.22093536615371703},{"text":"Sorry.","start":3444.665,"end":3444.905,"sentiment":"neutral","sentiment_score":-0.23528116941452024}],"sentiment":"neutral","sentiment_score":0.06192627287608512,"num_words":47,"start":3425.625,"end":3444.905},{"sentences":[{"text":"There's a lot that goes into it, but, no, we'd have 24.","start":3444.905,"end":3447.865,"sentiment":"neutral","sentiment_score":-0.0935253572339813},{"text":"There's no restrictions on how many investment options.","start":3447.865,"end":3452.0452,"sentiment":"neutral","sentiment_score":-0.04118823818862438},{"text":"There are sometimes limitations on how much you can have in one investment option.","start":3452.5051,"end":3458.4001,"sentiment":"neutral","sentiment_score":-0.16424843189971788},{"text":"So some of the investment options have a cap where you can only have, let's say, 30% invested in there till 35%.","start":3458.4001,"end":3464.8801,"sentiment":"neutral","sentiment_score":-0.12209308926354755},{"text":"Some has 40.","start":3464.8801,"end":3465.76,"sentiment":"neutral","sentiment_score":-0.09477219482262929}],"sentiment":"neutral","sentiment_score":-0.11392631842675856,"num_words":59,"start":3444.905,"end":3465.76},{"sentences":[{"text":"Some has less depending on what the investment option are of how much you can have into one particular option.","start":3465.76,"end":3472.1448,"sentiment":"neutral","sentiment_score":-0.11084659080952405},{"text":"Mhmm.","start":3482.86,"end":3483.36,"sentiment":"neutral","sentiment_score":-0.02850336953997612},{"text":"Mhmm.","start":3485.62,"end":3486.12,"sentiment":"neutral","sentiment_score":0.02269085682928562},{"text":"Yep.","start":3488.3801,"end":3488.8801,"sentiment":"neutral","sentiment_score":0.061177294701337814},{"text":"Yes.","start":3491.74,"end":3492.24,"sentiment":"neutral","sentiment_score":0.11153344810009004}],"sentiment":"neutral","sentiment_score":-0.08541806608748932,"num_words":24,"start":3465.76,"end":3492.24},{"sentences":[{"text":"So if you so there's two ways when we do advise.","start":3492.3,"end":3495.105,"sentiment":"neutral","sentiment_score":0.06581802801652388},{"text":"So, obviously, we I wanna make sure we do the research and recommend whatever is going to be the best for you and assess everything in detail.","start":3495.105,"end":3501.045,"sentiment":"neutral","sentiment_score":0.1343354872531361},{"text":"At the same time, if there's something specifically that you want so let's say you tell me, I just want to sell out of Benelung, and I wanna put everything in and I don't want advice, then we can do it under a transaction without advice.","start":3501.665,"end":3515.2998,"sentiment":"neutral","sentiment_score":-0.15073726933611475},{"text":"And that's just to say that you have requested for this to take place without us providing advice whether that will be a good or bad option.","start":3515.2998,"end":3523.16,"sentiment":"neutral","sentiment_score":-0.19227085952405576},{"text":"No.","start":3533.725,"end":3534.225,"sentiment":"neutral","sentiment_score":-0.10093851387500764}],"sentiment":"neutral","sentiment_score":-0.07031347898633353,"num_words":112,"start":3492.3,"end":3534.225},{"sentences":[{"text":"Nope.","start":3535.66,"end":3536.16,"sentiment":"neutral","sentiment_score":-0.13301964104175568},{"text":"Nope.","start":3537.66,"end":3537.9,"sentiment":"neutral","sentiment_score":-0.20505905151367188},{"text":"No.","start":3537.9,"end":3538.22,"sentiment":"neutral","sentiment_score":-0.1709548830986023},{"text":"It's just when the portfolio manager put together the portfolios, they obviously wanna make sure they obviously have a different philosophy on how they put together everything.","start":3538.22,"end":3546.78,"sentiment":"neutral","sentiment_score":0.0007742765635527947},{"text":"And part of it, again, is diversification, different industries, different sectors, different emerging markets when they put together the portfolio.","start":3546.78,"end":3554.065,"sentiment":"neutral","sentiment_score":0.15325808078050612}],"sentiment":"neutral","sentiment_score":0.05154067014344037,"num_words":50,"start":3535.66,"end":3554.065},{"sentences":[{"text":"But there is no you must have at all.","start":3554.125,"end":3556.285,"sentiment":"neutral","sentiment_score":0.06790803124507268},{"text":"The only thing is that there is a cash balance on the account.","start":3556.285,"end":3560.065,"sentiment":"neutral","sentiment_score":0.0664378426825771},{"text":"The hub twenty four does require a minimum cash balance of 1 to 5¢ on your super, and that is just for, you know, fees insurances and stuff like that.","start":3560.205,"end":3570.0999,"sentiment":"neutral","sentiment_score":0.2167040559238401},{"text":"But other than that, no.","start":3570.24,"end":3571.5999,"sentiment":"neutral","sentiment_score":0.15752027928829193},{"text":"There's no you have to have any particular investment at all.","start":3571.5999,"end":3575.22,"sentiment":"neutral","sentiment_score":0.20703688128428024}],"sentiment":"neutral","sentiment_score":0.16155655146923972,"num_words":68,"start":3554.125,"end":3575.22},{"sentences":[{"text":"Mhmm.","start":3582.575,"end":3583.075,"sentiment":"neutral","sentiment_score":0.14018622040748596},{"text":"Percent?","start":3590.5898,"end":3591.0898,"sentiment":"neutral","sentiment_score":0.07571283727884293},{"text":"Yep.","start":3591.71,"end":3592.21,"sentiment":"neutral","sentiment_score":0.2034626454114914},{"text":"So that that does change all the time depending on when fees come out, when insurances come out, when your contributions go in, and when it gets invested.","start":3592.27,"end":3601.81,"sentiment":"positive","sentiment_score":0.37757385628564016},{"text":"So with the hub 24, they automatically adjust all of that as things kind of go into your account, but also as investments fluctuate.","start":3602.365,"end":3610.145,"sentiment":"positive","sentiment_score":0.5073803414901098}],"sentiment":"positive","sentiment_score":0.4212465068156069,"num_words":55,"start":3582.575,"end":3610.145},{"sentences":[{"text":"So if you ever get, like, a report from them saying there's too little cash or anything like that, you don't have to worry about it because it's all set in the back end, and it all evens out with everything for you.","start":3610.685,"end":3622.2,"sentiment":"positive","sentiment_score":0.5441945950652278},{"text":"Yeah.","start":3623.94,"end":3624.44,"sentiment":"neutral","sentiment_score":0.0795641764998436},{"text":"Mhmm.","start":3627.14,"end":3627.64,"sentiment":"neutral","sentiment_score":0.04867003113031387},{"text":"Yep.","start":3634.355,"end":3634.855,"sentiment":"neutral","sentiment_score":0.12359776347875596},{"text":"Yep.","start":3635.2349,"end":3635.7349,"sentiment":"neutral","sentiment_score":0.16805540025234222}],"sentiment":"positive","sentiment_score":0.5068139353014053,"num_words":47,"start":3610.685,"end":3635.7349},{"sentences":[{"text":"You don't have to worry about it because it gets evened out in the back end, and the team who manages everything do have all of that that they're aware of.","start":3638.755,"end":3649.44,"sentiment":"neutral","sentiment_score":0.33135927396435894},{"text":"So it this is something that they sent to let you know, but it does automatically it evens it out for you.","start":3649.44,"end":3658.385,"sentiment":"positive","sentiment_score":0.47042406079444016},{"text":"So, yes, you don't have to stress or worry about that one.","start":3658.385,"end":3661.445,"sentiment":"neutral","sentiment_score":0.159358328829209},{"text":"Hub twenty four don't do straight into crypto.","start":3682.415,"end":3687.075,"sentiment":"neutral","sentiment_score":-0.12371233338490129},{"text":"The only investment option that they have into there is the one they have one investment option that's called crypto.","start":3687.135,"end":3694.115,"sentiment":"neutral","sentiment_score":-0.10547166801989079}],"sentiment":"neutral","sentiment_score":0.2089745671918956,"num_words":93,"start":3638.755,"end":3694.115},{"sentences":[{"text":"It's not directly into crypto, but it does invest in companies who does invest in crypto.","start":3694.65,"end":3701.5498,"sentiment":"neutral","sentiment_score":-0.06339933653362095},{"text":"That is kind of the only option available in Hub twenty four.","start":3702.41,"end":3706.19,"sentiment":"neutral","sentiment_score":0.07343146825830142},{"text":"It's something I can consider for you.","start":3707.345,"end":3709.1848,"sentiment":"neutral","sentiment_score":0.16717070979731424},{"text":"Typically, it's not something we'd like too too much because there's not actually underlying assets, and it's very it fluctuates a lot.","start":3709.1848,"end":3719.97,"sentiment":"neutral","sentiment_score":-0.06076859208670529},{"text":"But if that is something that you specifically tell me, I want this as Mike, then we can look at it.","start":3720.13,"end":3725.73,"sentiment":"neutral","sentiment_score":-0.0812316332012415}],"sentiment":"neutral","sentiment_score":-0.025715257948598802,"num_words":78,"start":3694.65,"end":3725.73},{"sentences":[{"text":"But does that answer that question?","start":3725.73,"end":3727.99,"sentiment":"neutral","sentiment_score":-0.1903192177414894},{"text":"Yeah.","start":3729.17,"end":3729.67,"sentiment":"neutral","sentiment_score":0.056380078196525574},{"text":"Yeah.","start":3731.01,"end":3731.33,"sentiment":"neutral","sentiment_score":0.0004043262451887131},{"text":"No.","start":3731.33,"end":3731.83,"sentiment":"neutral","sentiment_score":-0.06733791530132294},{"text":"Yeah.","start":3732.05,"end":3732.3699,"sentiment":"neutral","sentiment_score":0.016199594363570213}],"sentiment":"neutral","sentiment_score":-0.11362692229449749,"num_words":10,"start":3725.73,"end":3732.3699},{"sentences":[{"text":"Of course.","start":3732.3699,"end":3733.03,"sentiment":"neutral","sentiment_score":0.03379439748823643},{"text":"Yeah.","start":3736.375,"end":3736.875,"sentiment":"neutral","sentiment_score":0.06436379253864288},{"text":"Yep.","start":3743.9749,"end":3744.4749,"sentiment":"neutral","sentiment_score":0.09940452873706818},{"text":"Yeah.","start":3751.51,"end":3751.75,"sentiment":"neutral","sentiment_score":0.08170752227306366},{"text":"So there's there's a lot of different options.","start":3751.75,"end":3754.7102,"sentiment":"neutral","sentiment_score":0.07338233711197972}],"sentiment":"neutral","sentiment_score":0.06924025657085273,"num_words":13,"start":3732.3699,"end":3754.7102},{"sentences":[{"text":"So within each of your investment options, some of them have hundreds and hundreds of underlying investment options.","start":3754.7102,"end":3762.195,"sentiment":"neutral","sentiment_score":0.0662912047571606},{"text":"So when I go through the research with you, I can, part of it, give you all that research material if you would like to know all of it because there's a lot.","start":3763.0552,"end":3772.915,"sentiment":"neutral","sentiment_score":0.1423141767807079},{"text":"Sorry.","start":3773.43,"end":3773.67,"sentiment":"neutral","sentiment_score":-0.08820970356464386},{"text":"It's not like one option.","start":3773.67,"end":3774.95,"sentiment":"neutral","sentiment_score":-0.12395072132349014},{"text":"It's in one company.","start":3774.95,"end":3776.65,"sentiment":"neutral","sentiment_score":-0.04678789805620909}],"sentiment":"neutral","sentiment_score":0.08187696093418559,"num_words":61,"start":3754.7102,"end":3776.65},{"sentences":[{"text":"Like, for example, the usually, the easiest one is can you see let me see here if I can get it up for you again.","start":3777.19,"end":3785.05,"sentiment":"neutral","sentiment_score":0.09740434736013412},{"text":"Just bear with me.","start":3785.775,"end":3786.9949,"sentiment":"neutral","sentiment_score":0.05149758420884609},{"text":"You see the beta s p 500 equal?","start":3789.2148,"end":3792.355,"sentiment":"neutral","sentiment_score":0.04095485620200634},{"text":"So the one that says yep.","start":3792.9749,"end":3794.335,"sentiment":"neutral","sentiment_score":0.05061753218372663},{"text":"For example, that one invests in 500 companies.","start":3794.335,"end":3797.155,"sentiment":"neutral","sentiment_score":0.04357657302170992}],"sentiment":"neutral","sentiment_score":0.071001091131977,"num_words":51,"start":3777.19,"end":3797.155},{"sentences":[{"text":"So very diversified.","start":3798.19,"end":3799.25,"sentiment":"neutral","sentiment_score":0.32701337337493896},{"text":"So, again, when I reassess the investments for you, I can make sure that I also provide all the research materials for all of them and that we spend a little bit of extra time onto the investment for, you know, what's exactly into all of them.","start":3799.55,"end":3815.675,"sentiment":"neutral","sentiment_score":0.2694882994636576},{"text":"And like I said, I can give you all the research reports for every single one of them and what's included in all of them because there's there's a lot.","start":3815.675,"end":3822.0952,"sentiment":"neutral","sentiment_score":0.2249133586883545},{"text":"Yeah.","start":3824.235,"end":3824.735,"sentiment":"neutral","sentiment_score":-0.0363142155110836},{"text":"Yeah.","start":3825.62,"end":3826.12,"sentiment":"neutral","sentiment_score":0.004013586323708296}],"sentiment":"neutral","sentiment_score":0.24831817471195103,"num_words":82,"start":3798.19,"end":3826.12},{"sentences":[{"text":"Mhmm.","start":3834.1802,"end":3834.26,"sentiment":"neutral","sentiment_score":0.001700477208942175},{"text":"Yes.","start":3834.26,"end":3834.76,"sentiment":"neutral","sentiment_score":0.03150790184736252},{"text":"Exactly.","start":3834.9001,"end":3835.4001,"sentiment":"neutral","sentiment_score":0.03860916942358017},{"text":"They're all ETFs.","start":3835.46,"end":3836.44,"sentiment":"neutral","sentiment_score":0.019115422541896503},{"text":"So they all it's not just, like, one company.","start":3837.22,"end":3839.48,"sentiment":"neutral","sentiment_score":-0.005953140660292572}],"sentiment":"neutral","sentiment_score":0.005039036677529415,"num_words":15,"start":3834.1802,"end":3839.48},{"sentences":[{"text":"No.","start":3839.54,"end":3840.04,"sentiment":"neutral","sentiment_score":-0.06429634988307953},{"text":"It's not.","start":3840.265,"end":3841.085,"sentiment":"neutral","sentiment_score":-0.045898500829935074},{"text":"Yep.","start":3841.145,"end":3841.645,"sentiment":"neutral","sentiment_score":-0.00959719344973564},{"text":"Yeah.","start":3844.345,"end":3844.845,"sentiment":"neutral","sentiment_score":0.011266516521573068},{"text":"Yes.","start":3845.465,"end":3845.965,"sentiment":"neutral","sentiment_score":0.019565466791391373}],"sentiment":"neutral","sentiment_score":-0.022476426946620148,"num_words":6,"start":3839.54,"end":3845.965},{"sentences":[{"text":"Yeah.","start":3846.265,"end":3846.765,"sentiment":"neutral","sentiment_score":0.01109608355909586},{"text":"That's also an ETF.","start":3854.04,"end":3855.2402,"sentiment":"neutral","sentiment_score":-0.004201655276119709},{"text":"So all of them is ETF aside from that Benelon at the top, which is your managed funds.","start":3855.2402,"end":3861.5,"sentiment":"neutral","sentiment_score":0.007570856923444403},{"text":"Yeah.","start":3861.7202,"end":3862.2202,"sentiment":"neutral","sentiment_score":0.049469802528619766},{"text":"Correct.","start":3878.0698,"end":3878.47,"sentiment":"neutral","sentiment_score":0.06746041774749756}],"sentiment":"neutral","sentiment_score":0.009899804294109344,"num_words":25,"start":3846.265,"end":3878.47},{"sentences":[{"text":"So so on Wednesday, I'll go through with you over the phone as well so then we can talk about it as well.","start":3878.47,"end":3884.49,"sentiment":"neutral","sentiment_score":0.06787652457537859},{"text":"Because I wanna make sure I go through all of it with you, but I will also send you a document at the same time and go through it together.","start":3885.0298,"end":3893.345,"sentiment":"neutral","sentiment_score":0.0817474115639925},{"text":"And part of that is I'll point out if I do suggest that we change anything, which one it is and why.","start":3893.345,"end":3899.045,"sentiment":"neutral","sentiment_score":0.03173308954997496},{"text":"So so you have that document in front of you at the same time as I go through it with you, and you obviously have time after the call to have a read over as well because I don't wanna occupy too much of your time either.","start":3899.505,"end":3911.6501,"sentiment":"neutral","sentiment_score":0.08074865185041377},{"text":"Yeah.","start":3913.55,"end":3914.05,"sentiment":"neutral","sentiment_score":0.056949928402900696}],"sentiment":"neutral","sentiment_score":0.06962477193191284,"num_words":123,"start":3878.47,"end":3914.05},{"sentences":[{"text":"Yeah.","start":3914.9102,"end":3915.4102,"sentiment":"neutral","sentiment_score":0.1060938909649849},{"text":"Perfect.","start":3916.27,"end":3916.77,"sentiment":"positive","sentiment_score":0.4851725697517395},{"text":"Yeah.","start":3919.705,"end":3920.205,"sentiment":"neutral","sentiment_score":0.269192636013031},{"text":"No.","start":3920.905,"end":3921.225,"sentiment":"neutral","sentiment_score":0.016557812690734863},{"text":"That's okay.","start":3921.225,"end":3922.125,"sentiment":"neutral","sentiment_score":0.07611964643001556}],"sentiment":"neutral","sentiment_score":0.1715427003800869,"num_words":6,"start":3914.9102,"end":3922.125},{"sentences":[{"text":"So just to recap, David, I will give you a call on Wednesday, June 24 at 2PM.","start":3922.185,"end":3927.645,"sentiment":"neutral","sentiment_score":0.05511069275877055},{"text":"And if I have the same issue with the phone, I'll just try to call you twice.","start":3927.785,"end":3931.2449,"sentiment":"neutral","sentiment_score":-0.04835934674038606},{"text":"Hopefully, it was just a bit of a glitch right now, or I'll try from one of my colleague's phones as well just to just to make sure, but I will call you.","start":3931.9102,"end":3940.81,"sentiment":"neutral","sentiment_score":-0.0684855914477146},{"text":"And after the call, I will also, within about thirty minutes, keep a look at your inbox, and I will get the team to reissue those documents that I kind of went through over with you today because the system seems to have a bit of a glitch, and I'll go and talk to them as well and triple check that information before we send it to you.","start":3942.23,"end":3959.55,"sentiment":"neutral","sentiment_score":-0.07753642869305194},{"text":"Yep.","start":3960.51,"end":3961.01,"sentiment":"neutral","sentiment_score":0.21694867312908173}],"sentiment":"neutral","sentiment_score":-0.05294691259897424,"num_words":136,"start":3922.185,"end":3961.01},{"sentences":[{"text":"No.","start":3962.43,"end":3962.6702,"sentiment":"neutral","sentiment_score":0.22806136310100555},{"text":"That is no problem at all.","start":3962.6702,"end":3964.61,"sentiment":"neutral","sentiment_score":0.18856742729743323},{"text":"Yep.","start":3973.645,"end":3974.145,"sentiment":"neutral","sentiment_score":-0.1533772349357605},{"text":"Correct.","start":3978.365,"end":3978.865,"sentiment":"neutral","sentiment_score":0.010876638814806938},{"text":"Yes.","start":3979.005,"end":3979.505,"sentiment":"neutral","sentiment_score":0.03638915717601776}],"sentiment":"neutral","sentiment_score":0.1253354487940669,"num_words":10,"start":3962.43,"end":3979.505},{"sentences":[{"text":"Beautiful.","start":3984.1401,"end":3984.6401,"sentiment":"positive","sentiment_score":0.4743215143680573},{"text":"No.","start":3986.54,"end":3986.78,"sentiment":"neutral","sentiment_score":0.2473435401916504},{"text":"That is no problem at all.","start":3986.78,"end":3987.9001,"sentiment":"neutral","sentiment_score":0.32805658380190533},{"text":"Thank you so much for your time today, David.","start":3987.9001,"end":3990.0,"sentiment":"positive","sentiment_score":0.6462935143046908},{"text":"And I look forward to speaking with you next Wednesday, the twenty fourth as well.","start":3990.46,"end":3994.54,"sentiment":"positive","sentiment_score":0.4583970824877421}],"sentiment":"positive","sentiment_score":0.48070632573217154,"num_words":32,"start":3984.1401,"end":3994.54},{"sentences":[{"text":"But if you need anything in the meantime or have any other questions, don't hesitate to call the office or send me an email.","start":3994.54,"end":4000.335,"sentiment":"neutral","sentiment_score":0.10814735759049654},{"text":"Okay?","start":4000.335,"end":4000.835,"sentiment":"neutral","sentiment_score":0.0971413552761078},{"text":"No problem at all.","start":4003.2952,"end":4004.095,"sentiment":"neutral","sentiment_score":0.23225552961230278},{"text":"We'll speak next week.","start":4004.095,"end":4005.3152,"sentiment":"neutral","sentiment_score":0.18729865923523903},{"text":"Okay.","start":4006.495,"end":4006.995,"sentiment":"neutral","sentiment_score":0.1254626214504242}],"sentiment":"neutral","sentiment_score":0.13224580336142988,"num_words":34,"start":3994.54,"end":4006.995},{"sentences":[{"text":"Bye.","start":4007.215,"end":4007.715,"sentiment":"neutral","sentiment_score":0.10906679928302764}],"sentiment":"neutral","sentiment_score":0.10906679928302764,"num_words":1,"start":4007.215,"end":4007.715}]}}]},{"alternatives":[{"transcript":"Hi, Veronica. It's Dave Newan calling. Good. Thanks. How are you going? I've called. I would no. I didn't get your call. That's correct. No. I didn't get a voice mail at all. I'm just wondering what was going on. I do. I'd like to go over it. Yes, please. Yep. Yeah. A bit of everything. An update on where everything is at. And, yeah, different questions about fees and so forth. And yeah. Yeah. No. One financial. Yes. That'll be my daughter, Shelby. No. She her last name is Newman Christian. You have not had that in the okay. 0452, 223, 223 134. Yes. Yes. Yes. Yep. That's been right. Yep. No. That's paid off. No. Yes. No. No. No. No. Correct. Yes. No. That's that's that's it. Just just the house. Yep. No. K. Sure. Yes. No. At the at retirement age. Yeah. Well, yeah, 67. We're in at 67. That's when we're gonna work to. Yep. No. That's fine. High and moderate. Probably high. Invest invest more. Modestly. Optimistic. Yes. Yes? Yeah. Invest when when the market's low and, yeah, it's like a high income. I mean, it's quite a high return. Yeah. Yes. No. I'd I'd I'd like to take it as it is. Yeah. So what what's this asking me to to sign up for another year, or what's it asking me to do? Yep. What am I starting exactly? Yeah. Alright. Because I'm I'm I'm looking at switching. Yeah. Sure. Okay. Then bear with me. Yep. Summary of paper emulation and insurance. Hang on. I've got a $105,000 in here. Is that what you're saying? But but when I'm on the website, it says that I've got 250. Yes. I'm looking at going somewhere that doesn't have such high fees. Yes. As well as I I don't know. I I guess I really haven't got a a great experience from Hub twenty four, which can be and Paul's and people. And whatever the the guys they're trying to invest in, it's I understand the markets are going down and and whatever it's done, whatever it's done. But, yeah, I just need to get some clarification into what all these fees are and why they say buy. And, yeah, it's just it's just things have been a little excessive. So I'm just keep on putting more money in there, and you guys just keep taking it out. Yeah. Yeah. Of course. Of course, you can do that. I'm just going through it and, yeah, the fees are just they're just out of hand. Adviser fee. Combination of all of them. And now what's we got a new one, which is a tax liability fee, which is 10,200, advisor fee, portfolio fee. Yeah. It just it just goes on and on. It's it just keeps on getting deducted. So I'm just taking one step forward and two steps backwards. Sure. Okay. Yep. Whatever it is you wanna recommend, but I'll I'll look into other things myself. But, yeah, I'm just not No. Just just just the general, the Australian server and host parts and aware and I'm I'm looking to them all. I was with host parts. That's because of where my the industry I was in. And I'm waiting for a callback from them today to have a chat and some advice in in what to do, but I feel I'm just not getting anywhere. They passed they passed wild They're 20 four. So the so so just explain to me the the adviser fee is is is to you, to to. So it's $3,354 a month, and and that's that's that's getting more and more. Okay. And so the port portfolio service fees, what's that? What's that? That's just a normal fee to to have 24? Okay. Yes. So so that's that's to that's to advise the fee. That's paying you guys to to manage it. It's paying you guys to manage manage money. Okay. And so what's the portfolio service fee? That's that's straight to Hub twenty four. Yeah. Okay. Okay. And so what about the tax liability? That's right. Yeah. You can explain that to me, but but I didn't quite get that answer about the tax liability. What does it mean? Where does it come from? But why do I get charged $1,263? So it's tax on top of my super. Okay. So where does that money go to? Is it so where is that? So what is that is that is that is that is that Hub 24 or or IQ? Or where does it go? Okay. Okay. Alright. Okay. What what what else needs to be talked about? Are you gonna show me around the site, are you? Gonna show me around how to use the the website? Yes. I am. Yes. Yep. So what's I r r? R? Nope. Yep. I've got it at the 07/01/2025 to the 06/12/2026. Hello? So which one was it? Better which? So that I'm listed on here, is it? I I don't have that. I got Better Global, Better SP five hundred, Better Share Nasdaq, Better Share, where is it? It's yep. RAS Alt. Yep. Is that the one? To which one? Desktop. Oh, okay. Australian lithium. I don't have anything. The first one is Better Global Cyber. Oh, better long. Here we go. Sorry. Sorry. Yeah. Kind of. Okay. So then you're saying that that's not doing well. Okay. And where where are you reading the 11.48%? Where where are you? Mhmm. Yep. Sure. And so what about what about the note three? What what what does that mean? Why is that higher? So the far right IRR, internal rate of return, Annual Okay. Alright. Okay. Alright. That's good. No. So explain that to me. Just the insurance this insurance is just insurance for my my desk and so forth. Is that right? Yep. Yep. Yep. Yep. So you have to pay the 2,020, that that premium to get the payout figure? So you'd have to pay the premium of 2,000 whatever you just said to be able to get your your your payout figure of disability or yep. Yep. Yes. Now So the insurance the insurance comes out of my my my hub 24, my Subaru. Is that right? So sorry. Could you give me that amount again? 2,000. That's Netlife Insurance. Right. Okay. Yeah. But, I mean, if I wanna be covered for more, I gotta pay more per year. Is that right? Yep. Yep. Okay. Yep. No. That's fine. I mean, it'd be good to be able to pay less per year, but I don't think you can change that, can you? Yep. Yep. Understand. No. I'm happy spending time being with that amount. Mhmm. Yep. Yes. Yes. Yes. That is fine. It's fine. I've always got my phone. No. Whatever time suits. What what time have you got? Yep. That's fine. Sure. Okay. Yep. That's fine. And so how how does this document that was sent to us incorrect? It was with the 01/5000 of the token 3 and 50. Yeah. But it is so so it's just going back to the amount that I had in my super. Can you just reiterate that for us? And I just need to go back to my how do I get back to my my graph? Is that in account menu? Sorry. Usually. Yep. Yep. Yep. Now just going back to you wanting to change my Australian investment. How do I get back to them? Yeah. How do I get back to my my cash statement? Yeah. Is it in account? Oh, no. No. No. Yep. Yeah. I found it. So a cash statement. Yeah. Text liability. Yep. Okay. Something like that. Okay. Reports. So what you're you're saying that you want to change that, But yeah. And so so so so your reasoning for wanting to change that is that it because it's not performing well? Mhmm. Okay. Okay. So, I mean, from from from reading it, I mean, it says the the market value at the start of period is 39 and now it's at 32. So that's the that's the drop that you're talking about. Oh, yeah. Yep. Yep. So can you just run through it with me, like, that performance sheet that you're talking about? So I think the start there, we've got the market value at the start of period. So that's how much we that's how much we bought it for. Is that right? That's 80 nine thousand? Oh, that's because you're but they seem to be the same. Like, market value and start up period. Does that does that mean that means what we brought it for? Is that right? Right. Yep. Okay. And so and then moving along, it says buys in period. Explain that to me. Right. And then the sales in period, so so we obviously haven't sold anything. And then the market value at end of period, so that's that's to now. That's how much we've got that's how much I've got in there. Okay. And then the incoming period is the sorry. Say that again? Okay. So it's only 325. And then tax file tax file number amounts withheld. There's there's nothing there. So growth in period, explain that. Okay. So because it's in brackets, does that mean that's a negative? Okay. And so total earnings, we've we've lost 7,760 We know yours is differently. Okay. Okay. And so is there is there a particular amount of stock or shares that we have to have? So, like, can we just so we've got 12345678 altogether. But do we have to have eight, or do we just can we just have one, or do we have to have a certain amount? Yeah. Yeah. Yeah. Definitely. So so there's no limit to the amount of shares that we we can invest in. Yep. Yep. Mhmm. And so if I turned around to you and said, I'd I'd like to remove all of my then along with saying equity funds and and move them all into lithium or or NASDAQ or whatever, then you you you can just do that for Mhmm. And is there a particular rule as to which we have to have? Like, do we have to have one Chinese? Do we have to have one Australian? Do we have to No. Right. Now that was the first thing that popped up when I opened up the website, that I don't have a 1.25, account balance. Yeah. Okay. So the warning time that I have in front of me right now, warning your cash account balance is low. The minimum cash account balance is required at any time is 1.25 of your account balance. So what? You're just saying that I should ignore that? Okay. Okay. Okay. You don't have to worry about that one. What was I gonna say? Now is there any restrictions on investing in crypto or what what what as we're talking about restrictions for which ones you can invest in, what is it not preferred? What's what's what? Twenty four. Mhmm. Yeah. Mhmm. Yep. Yeah. Yep. No. No. I'll I'll yeah. Yeah. Yeah. Definitely. I just thought I'd I'd ask that question. Maybe that's probably something I can do personally. But just going through what I've got. So Global Fiber ETS units. So what can you just explain what I'm investing in there with cyber? Okay. Yep. Yep. Yes. Okay. Yep. No. No. That's that's alright. So those seven, other than the the Benelon, are all groups as such. They're not just one. Yep. Yep. So they're all all yeah. They're all ETFs, obviously. And what except for Global Expatriatex and Lithium, is that is that just one company or is that an ETF? Yep. Yep. Yep. Okay. Okay. And so when you're talking about changing from Ben along, I mean, are you I think you said you're gonna send an email to tell me what it is you you did your research and tell her tell me what it is you're going to change. Mhmm. Okay. Yep. Yep. No. That's that's that's fine. No worries at all. Alright. Yep. That's great. Thank you for that. Yep. Yep. Great. Okay. Thank you very much for that. Yep. And obviously, the downturn that happened in April 2026, the drop in my super, That was obviously due to everything that happened around the world. Yep. Okay. Yep. Alright. Thank you very much for your time. Yep. Great. No worries. Thank you, Veronica. Okay. Thanks. Bye bye. 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Veronica. It's Dave Newan calling. Good. Thanks. How are you going?\n\nI've called. I would no. I didn't get your call. That's correct. No.\n\nI didn't get a voice mail at all. I'm just wondering what was going on. I do. I'd like to go over it. Yes, please.\n\nYep. Yeah. A bit of everything. An update on where everything is at. And, yeah, different questions about fees and so forth.\n\nAnd yeah. Yeah. No. One financial. Yes.\n\nThat'll be my daughter, Shelby. No. She her last name is Newman Christian. You have not had that in the okay. 0452, 223, 223 134.\n\nYes. Yes. Yes. Yep. That's been right.\n\nYep. No. That's paid off. No. Yes.\n\nNo. No. No. No. Correct.\n\nYes. No. That's that's that's it. Just just the house. Yep.\n\nNo. K. Sure. Yes. No.\n\nAt the at retirement age. Yeah. Well, yeah, 67. We're in at 67. That's when we're gonna work to.\n\nYep. No. That's fine. High and moderate. Probably high.\n\nInvest invest more. Modestly. Optimistic. Yes. Yes?\n\nYeah. Invest when when the market's low and, yeah, it's like a high income. I mean, it's quite a high return. Yeah. Yes.\n\nNo. I'd I'd I'd like to take it as it is. Yeah. So what what's this asking me to to sign up for another year, or what's it asking me to do? Yep.\n\nWhat am I starting exactly? Yeah. Alright. Because I'm I'm I'm looking at switching. Yeah.\n\nSure. Okay. Then bear with me. Yep. Summary of paper emulation and insurance.\n\nHang on. I've got a $105,000 in here. Is that what you're saying? But but when I'm on the website, it says that I've got 250. Yes.\n\nI'm looking at going somewhere that doesn't have such high fees. Yes. As well as I I don't know. I I guess I really haven't got a a great experience from Hub twenty four, which can be and Paul's and people. And whatever the the guys they're trying to invest in, it's I understand the markets are going down and and whatever it's done, whatever it's done.\n\nBut, yeah, I just need to get some clarification into what all these fees are and why they say buy. And, yeah, it's just it's just things have been a little excessive. So I'm just keep on putting more money in there, and you guys just keep taking it out. Yeah. Yeah.\n\nOf course. Of course, you can do that. I'm just going through it and, yeah, the fees are just they're just out of hand. Adviser fee. Combination of all of them.\n\nAnd now what's we got a new one, which is a tax liability fee, which is 10,200, advisor fee, portfolio fee. Yeah. It just it just goes on and on. It's it just keeps on getting deducted. So I'm just taking one step forward and two steps backwards.\n\nSure. Okay. Yep. Whatever it is you wanna recommend, but I'll I'll look into other things myself. But, yeah, I'm just not No.\n\nJust just just the general, the Australian server and host parts and aware and I'm I'm looking to them all. I was with host parts. That's because of where my the industry I was in. And I'm waiting for a callback from them today to have a chat and some advice in in what to do, but I feel I'm just not getting anywhere. They passed they passed wild They're 20 four.\n\nSo the so so just explain to me the the adviser fee is is is to you, to to. So it's $3,354 a month, and and that's that's that's getting more and more. Okay. And so the port portfolio service fees, what's that? What's that?\n\nThat's just a normal fee to to have 24? Okay. Yes. So so that's that's to that's to advise the fee. That's paying you guys to to manage it.\n\nIt's paying you guys to manage manage money. Okay. And so what's the portfolio service fee? That's that's straight to Hub twenty four. Yeah.\n\nOkay. Okay. And so what about the tax liability? That's right. Yeah.\n\nYou can explain that to me, but but I didn't quite get that answer about the tax liability. What does it mean? Where does it come from? But why do I get charged $1,263? So it's tax on top of my super.\n\nOkay. So where does that money go to? Is it so where is that? So what is that is that is that is that is that Hub 24 or or IQ? Or where does it go?\n\nOkay. Okay. Alright. Okay. What what what else needs to be talked about?\n\nAre you gonna show me around the site, are you? Gonna show me around how to use the the website? Yes. I am. Yes.\n\nYep. So what's I r r? R? Nope. Yep.\n\nI've got it at the 07/01/2025 to the 06/12/2026. Hello? So which one was it? Better which? So that I'm listed on here, is it?\n\nI I don't have that. I got Better Global, Better SP five hundred, Better Share Nasdaq, Better Share, where is it? It's yep. RAS Alt. Yep.\n\nIs that the one? To which one? Desktop. Oh, okay. Australian lithium.\n\nI don't have anything. The first one is Better Global Cyber. Oh, better long. Here we go. Sorry.\n\nSorry. Yeah. Kind of. Okay. So then you're saying that that's not doing well.\n\nOkay. And where where are you reading the 11.48%? Where where are you? Mhmm. Yep.\n\nSure. And so what about what about the note three? What what what does that mean? Why is that higher? So the far right IRR, internal rate of return, Annual Okay.\n\nAlright. Okay. Alright. That's good. No.\n\nSo explain that to me. Just the insurance this insurance is just insurance for my my desk and so forth. Is that right? Yep. Yep.\n\nYep. Yep. So you have to pay the 2,020, that that premium to get the payout figure? So you'd have to pay the premium of 2,000 whatever you just said to be able to get your your your payout figure of disability or yep. Yep.\n\nYes. Now So the insurance the insurance comes out of my my my hub 24, my Subaru. Is that right? So sorry. Could you give me that amount again?\n\n2,000. That's Netlife Insurance. Right. Okay. Yeah.\n\nBut, I mean, if I wanna be covered for more, I gotta pay more per year. Is that right? Yep. Yep. Okay.\n\nYep. No. That's fine. I mean, it'd be good to be able to pay less per year, but I don't think you can change that, can you? Yep.\n\nYep. Understand. No. I'm happy spending time being with that amount. Mhmm.\n\nYep. Yes. Yes. Yes. That is fine.\n\nIt's fine. I've always got my phone. No. Whatever time suits. What what time have you got?\n\nYep. That's fine. Sure. Okay. Yep.\n\nThat's fine. And so how how does this document that was sent to us incorrect? It was with the 01/5000 of the token 3 and 50. Yeah. But it is so so it's just going back to the amount that I had in my super.\n\nCan you just reiterate that for us? And I just need to go back to my how do I get back to my my graph? Is that in account menu? Sorry. Usually.\n\nYep. Yep. Yep. Now just going back to you wanting to change my Australian investment. How do I get back to them?\n\nYeah. How do I get back to my my cash statement? Yeah. Is it in account? Oh, no.\n\nNo. No. Yep. Yeah. I found it.\n\nSo a cash statement. Yeah. Text liability. Yep. Okay.\n\nSomething like that. Okay. Reports. So what you're you're saying that you want to change that, But yeah. And so so so so your reasoning for wanting to change that is that it because it's not performing well?\n\nMhmm. Okay. Okay. So, I mean, from from from reading it, I mean, it says the the market value at the start of period is 39 and now it's at 32. So that's the that's the drop that you're talking about.\n\nOh, yeah. Yep. Yep. So can you just run through it with me, like, that performance sheet that you're talking about? So I think the start there, we've got the market value at the start of period.\n\nSo that's how much we that's how much we bought it for. Is that right? That's 80 nine thousand? Oh, that's because you're but they seem to be the same. Like, market value and start up period.\n\nDoes that does that mean that means what we brought it for? Is that right? Right. Yep. Okay.\n\nAnd so and then moving along, it says buys in period. Explain that to me. Right. And then the sales in period, so so we obviously haven't sold anything. And then the market value at end of period, so that's that's to now.\n\nThat's how much we've got that's how much I've got in there. Okay. And then the incoming period is the sorry. Say that again? Okay.\n\nSo it's only 325. And then tax file tax file number amounts withheld. There's there's nothing there. So growth in period, explain that. Okay.\n\nSo because it's in brackets, does that mean that's a negative? Okay. And so total earnings, we've we've lost 7,760 We know yours is differently. Okay. Okay.\n\nAnd so is there is there a particular amount of stock or shares that we have to have? So, like, can we just so we've got 12345678 altogether. But do we have to have eight, or do we just can we just have one, or do we have to have a certain amount? Yeah. Yeah.\n\nYeah. Definitely. So so there's no limit to the amount of shares that we we can invest in. Yep. Yep.\n\nMhmm. And so if I turned around to you and said, I'd I'd like to remove all of my then along with saying equity funds and and move them all into lithium or or NASDAQ or whatever, then you you you can just do that for Mhmm. And is there a particular rule as to which we have to have? Like, do we have to have one Chinese? Do we have to have one Australian?\n\nDo we have to No. Right. Now that was the first thing that popped up when I opened up the website, that I don't have a 1.25, account balance. Yeah. Okay.\n\nSo the warning time that I have in front of me right now, warning your cash account balance is low. The minimum cash account balance is required at any time is 1.25 of your account balance. So what? You're just saying that I should ignore that? Okay.\n\nOkay. Okay. You don't have to worry about that one. What was I gonna say? Now is there any restrictions on investing in crypto or what what what as we're talking about restrictions for which ones you can invest in, what is it not preferred?\n\nWhat's what's what? Twenty four. Mhmm. Yeah. Mhmm.\n\nYep. Yeah. Yep. No. No.\n\nI'll I'll yeah. Yeah. Yeah. Definitely. I just thought I'd I'd ask that question.\n\nMaybe that's probably something I can do personally. But just going through what I've got. So Global Fiber ETS units. So what can you just explain what I'm investing in there with cyber? Okay.\n\nYep. Yep. Yes. Okay. Yep.\n\nNo. No. That's that's alright. So those seven, other than the the Benelon, are all groups as such. They're not just one.\n\nYep. Yep. So they're all all yeah. They're all ETFs, obviously. And what except for Global Expatriatex and Lithium, is that is that just one company or is that an ETF?\n\nYep. Yep. Yep. Okay. Okay.\n\nAnd so when you're talking about changing from Ben along, I mean, are you I think you said you're gonna send an email to tell me what it is you you did your research and tell her tell me what it is you're going to change. Mhmm. Okay. Yep. Yep.\n\nNo. That's that's that's fine. No worries at all. Alright. Yep.\n\nThat's great. Thank you for that. Yep. Yep. Great.\n\nOkay. Thank you very much for that. Yep. And obviously, the downturn that happened in April 2026, the drop in my super, That was obviously due to everything that happened around the world. Yep.\n\nOkay. Yep. Alright. Thank you very much for your time. Yep.\n\nGreat. No worries. Thank you, Veronica. Okay. Thanks.\n\nBye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Veronica.","start":5.04,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.12632399052381516},{"text":"It's Dave Newan calling.","start":5.92,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1340782381594181},{"text":"Good.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.5759265422821045},{"text":"Thanks.","start":9.76,"end":10.08,"sentiment":"positive","sentiment_score":0.6033626794815063},{"text":"How are you going?","start":10.08,"end":10.9,"sentiment":"positive","sentiment_score":0.3640490174293518}],"sentiment":"neutral","sentiment_score":0.28537051876386005,"num_words":12,"start":5.04,"end":10.9},{"sentences":[{"text":"I've called.","start":16.345,"end":17.324999,"sentiment":"neutral","sentiment_score":0.036357675679028034},{"text":"I would no.","start":19.705,"end":22.025,"sentiment":"neutral","sentiment_score":-0.10808010399341583},{"text":"I didn't get your call.","start":22.025,"end":23.324999,"sentiment":"neutral","sentiment_score":-0.15820795595645903},{"text":"That's correct.","start":32.489998,"end":33.39,"sentiment":"neutral","sentiment_score":0.014334046747535467},{"text":"No.","start":44.204998,"end":44.605,"sentiment":"neutral","sentiment_score":-0.2865227460861206}],"sentiment":"neutral","sentiment_score":-0.10003226099965665,"num_words":13,"start":16.345,"end":44.605},{"sentences":[{"text":"I didn't get a voice mail at all.","start":44.605,"end":46.364998,"sentiment":"neutral","sentiment_score":-0.2813679054379463},{"text":"I'm just wondering what was going on.","start":46.364998,"end":48.784996,"sentiment":"neutral","sentiment_score":-0.20944093806403025},{"text":"I do.","start":72.045006,"end":72.705,"sentiment":"neutral","sentiment_score":0.10383075475692749},{"text":"I'd like to go over it.","start":73.165,"end":74.285,"sentiment":"neutral","sentiment_score":0.126851553718249},{"text":"Yes, 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Christian.","start":176.865,"end":182.08499,"sentiment":"neutral","sentiment_score":-0.02058649409030165},{"text":"You have not had that in the okay.","start":190.17,"end":198.59,"sentiment":"neutral","sentiment_score":-0.05598927475512028},{"text":"0452, 223, 223 134.","start":208.805,"end":223.57,"sentiment":"neutral","sentiment_score":-0.0020289180683903396}],"sentiment":"neutral","sentiment_score":-0.019652586905285718,"num_words":25,"start":165.28,"end":223.57},{"sentences":[{"text":"Yes.","start":232.115,"end":232.615,"sentiment":"neutral","sentiment_score":0.0101182758808136},{"text":"Yes.","start":245.63501,"end":246.13501,"sentiment":"neutral","sentiment_score":0.05316554754972458},{"text":"Yes.","start":257.41998,"end":257.91998,"sentiment":"neutral","sentiment_score":0.05495399236679077},{"text":"Yep.","start":274.83502,"end":275.15503,"sentiment":"neutral","sentiment_score":0.04927697405219078},{"text":"That's been 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that's that's it.","start":398.38998,"end":399.75,"sentiment":"neutral","sentiment_score":0.007556553930044174},{"text":"Just just the house.","start":399.75,"end":401.245,"sentiment":"neutral","sentiment_score":0.004915858153253794},{"text":"Yep.","start":401.245,"end":401.745,"sentiment":"neutral","sentiment_score":0.049846112728118896}],"sentiment":"neutral","sentiment_score":0.011485370384021238,"num_words":11,"start":397.75,"end":401.745},{"sentences":[{"text":"No.","start":409.965,"end":410.465,"sentiment":"neutral","sentiment_score":-0.07047265022993088},{"text":"K.","start":429.32,"end":429.82,"sentiment":"neutral","sentiment_score":0.0852644294500351},{"text":"Sure.","start":453.47,"end":453.97,"sentiment":"neutral","sentiment_score":0.14504846930503845},{"text":"Yes.","start":462.935,"end":463.435,"sentiment":"neutral","sentiment_score":-0.015727249905467033},{"text":"No.","start":467.495,"end":467.995,"sentiment":"neutral","sentiment_score":-0.17344817519187927}],"sentiment":"neutral","sentiment_score":-0.005867035314440727,"num_words":5,"start":409.965,"end":467.995},{"sentences":[{"text":"At the at retirement age.","start":482.52,"end":484.005,"sentiment":"neutral","sentiment_score":-0.01122837495058775},{"text":"Yeah.","start":490.165,"end":490.665,"sentiment":"neutral","sentiment_score":0.009683717042207718},{"text":"Well, yeah, 67.","start":496.87,"end":498.22998,"sentiment":"neutral","sentiment_score":0.08441258718570073},{"text":"We're in at 67.","start":498.22998,"end":499.43,"sentiment":"neutral","sentiment_score":0.10938033647835255},{"text":"That's when we're gonna work to.","start":499.43,"end":500.97,"sentiment":"neutral","sentiment_score":0.14730198060472807}],"sentiment":"neutral","sentiment_score":0.08042699123095524,"num_words":19,"start":482.52,"end":500.97},{"sentences":[{"text":"Yep.","start":510.22998,"end":510.645,"sentiment":"neutral","sentiment_score":0.1795259416103363},{"text":"No.","start":514.565,"end":514.805,"sentiment":"neutral","sentiment_score":-0.03262661024928093},{"text":"That's 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insurance.","start":919.05005,"end":921.23004,"sentiment":"neutral","sentiment_score":0.01529873302206397}],"sentiment":"neutral","sentiment_score":0.02601992689932768,"num_words":13,"start":906.555,"end":921.23004},{"sentences":[{"text":"Hang on.","start":939.86005,"end":940.26,"sentiment":"neutral","sentiment_score":0.0009093056432902813},{"text":"I've got a $105,000 in here.","start":940.26,"end":942.58,"sentiment":"neutral","sentiment_score":0.017959688634922106},{"text":"Is that what you're saying?","start":942.58,"end":943.64,"sentiment":"neutral","sentiment_score":0.012549069523811341},{"text":"But but when I'm on the website, it says that I've got 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trying to invest in, it's I understand the markets are going down and and whatever it's done, whatever it's done.","start":1060.895,"end":1069.63,"sentiment":"neutral","sentiment_score":-0.08425843214186338}],"sentiment":"neutral","sentiment_score":-0.07859854405718063,"num_words":67,"start":1033.955,"end":1069.63},{"sentences":[{"text":"But, yeah, I just need to get some clarification into what all these fees are and why they say buy.","start":1069.63,"end":1077.49,"sentiment":"neutral","sentiment_score":-0.11660495772957802},{"text":"And, yeah, it's just it's just things have been a little excessive.","start":1077.87,"end":1082.425,"sentiment":"negative","sentiment_score":-0.41054338837663334},{"text":"So I'm just keep on putting more money in there, and you guys just keep taking it out.","start":1083.125,"end":1087.305,"sentiment":"negative","sentiment_score":-0.5056854536135992},{"text":"Yeah.","start":1174.7001,"end":1174.9401,"sentiment":"neutral","sentiment_score":0.011487726122140884},{"text":"Yeah.","start":1174.9401,"end":1175.18,"sentiment":"neutral","sentiment_score":0.01124325580894947}],"sentiment":"neutral","sentiment_score":-0.31419667304278565,"num_words":52,"start":1069.63,"end":1175.18},{"sentences":[{"text":"Of course.","start":1175.18,"end":1175.74,"sentiment":"neutral","sentiment_score":0.026968685910105705},{"text":"Of course, you can do that.","start":1175.74,"end":1177.04,"sentiment":"neutral","sentiment_score":0.0654927243789037},{"text":"I'm just going through it and, yeah, the fees are just they're just out of hand.","start":1177.42,"end":1183.36,"sentiment":"neutral","sentiment_score":-0.11448914185166359},{"text":"Adviser fee.","start":1185.02,"end":1186.24,"sentiment":"neutral","sentiment_score":0.0029056170023977757},{"text":"Combination of all of them.","start":1190.0651,"end":1191.8251,"sentiment":"neutral","sentiment_score":0.01852851826697588}],"sentiment":"neutral","sentiment_score":-0.04149931374817125,"num_words":31,"start":1175.18,"end":1191.8251},{"sentences":[{"text":"And now what's we got a new one, which is a tax liability fee, which is 10,200, advisor fee, portfolio fee.","start":1191.8251,"end":1201.6051,"sentiment":"neutral","sentiment_score":0.04605936933131445},{"text":"Yeah.","start":1203.4299,"end":1203.6299,"sentiment":"neutral","sentiment_score":0.04335813224315643},{"text":"It just it just goes on and on.","start":1203.6299,"end":1205.2699,"sentiment":"neutral","sentiment_score":0.03094844752922654},{"text":"It's it just keeps on getting deducted.","start":1205.2699,"end":1207.45,"sentiment":"neutral","sentiment_score":-0.05579539707728794},{"text":"So I'm just taking one step forward and two steps backwards.","start":1207.5099,"end":1211.0499,"sentiment":"neutral","sentiment_score":0.12445330348881808}],"sentiment":"neutral","sentiment_score":0.04659606306813657,"num_words":48,"start":1191.8251,"end":1211.0499},{"sentences":[{"text":"Sure.","start":1247.905,"end":1248.225,"sentiment":"neutral","sentiment_score":0.09725210070610046},{"text":"Okay.","start":1248.225,"end":1248.545,"sentiment":"neutral","sentiment_score":0.1154557466506958},{"text":"Yep.","start":1248.545,"end":1248.865,"sentiment":"neutral","sentiment_score":0.0923852026462555},{"text":"Whatever it is you wanna recommend, but I'll I'll look into other things myself.","start":1248.865,"end":1252.885,"sentiment":"neutral","sentiment_score":0.06057851282613618},{"text":"But, yeah, I'm just not No.","start":1252.9451,"end":1265.73,"sentiment":"neutral","sentiment_score":0.003238401065270106}],"sentiment":"neutral","sentiment_score":0.05098359286785126,"num_words":23,"start":1247.905,"end":1265.73},{"sentences":[{"text":"Just just just the general, the Australian server and host parts and aware and I'm I'm looking to them all.","start":1265.73,"end":1272.63,"sentiment":"neutral","sentiment_score":0.0024824861902743574},{"text":"I was with host parts.","start":1274.05,"end":1275.465,"sentiment":"neutral","sentiment_score":0.10473167002201081},{"text":"That's because of where my the industry I was in.","start":1278.1849,"end":1281.965,"sentiment":"neutral","sentiment_score":0.08278356939554214},{"text":"And I'm waiting for a callback from them today to have a chat and some advice in in what to do, but I feel I'm just not getting anywhere.","start":1284.825,"end":1296.84,"sentiment":"neutral","sentiment_score":-0.02513044404572454},{"text":"They passed they passed wild They're 20 four.","start":1297.3,"end":1305.825,"sentiment":"neutral","sentiment_score":-0.13759096106514335}],"sentiment":"neutral","sentiment_score":-0.005949538860780497,"num_words":72,"start":1265.73,"end":1305.825},{"sentences":[{"text":"So the so so just explain to me the the adviser fee is is is to you, to to.","start":1338.395,"end":1344.8,"sentiment":"neutral","sentiment_score":-0.000020779718301798167},{"text":"So it's $3,354 a month, and and that's that's that's getting more and more.","start":1347.8201,"end":1354.62,"sentiment":"neutral","sentiment_score":-0.048017095042658706},{"text":"Okay.","start":1354.62,"end":1354.9401,"sentiment":"neutral","sentiment_score":0.022789182141423225},{"text":"And so the port portfolio service fees, what's that?","start":1354.9401,"end":1358.3,"sentiment":"neutral","sentiment_score":0.004950839715699355},{"text":"What's that?","start":1358.3,"end":1359.055,"sentiment":"neutral","sentiment_score":-0.0011102179996669292}],"sentiment":"neutral","sentiment_score":-0.013500174259146054,"num_words":45,"start":1338.395,"end":1359.055},{"sentences":[{"text":"That's just a normal fee to to have 24?","start":1359.055,"end":1361.7151,"sentiment":"neutral","sentiment_score":0.0031785453773207134},{"text":"Okay.","start":1368.015,"end":1368.515,"sentiment":"neutral","sentiment_score":0.12535850703716278},{"text":"Yes.","start":1415.515,"end":1415.755,"sentiment":"neutral","sentiment_score":0.07028301060199738},{"text":"So so that's that's to that's to advise the fee.","start":1415.755,"end":1419.615,"sentiment":"neutral","sentiment_score":0.07793668694794179},{"text":"That's paying you guys to to manage it.","start":1420.395,"end":1422.795,"sentiment":"neutral","sentiment_score":0.04668719740584493}],"sentiment":"neutral","sentiment_score":0.047486650853835306,"num_words":29,"start":1359.055,"end":1422.795},{"sentences":[{"text":"It's paying you guys to manage manage money.","start":1422.795,"end":1425.535,"sentiment":"neutral","sentiment_score":0.06890136888250709},{"text":"Okay.","start":1431.96,"end":1432.4401,"sentiment":"neutral","sentiment_score":0.061898715794086456},{"text":"And so what's the portfolio service fee?","start":1432.4401,"end":1434.52,"sentiment":"neutral","sentiment_score":0.03675649394946439},{"text":"That's that's straight to Hub twenty four.","start":1434.52,"end":1437.02,"sentiment":"neutral","sentiment_score":0.05439602956175804},{"text":"Yeah.","start":1438.76,"end":1439.26,"sentiment":"neutral","sentiment_score":0.04141797497868538}],"sentiment":"neutral","sentiment_score":0.053858137767141066,"num_words":24,"start":1422.795,"end":1439.26},{"sentences":[{"text":"Okay.","start":1439.72,"end":1440.22,"sentiment":"neutral","sentiment_score":0.03748365491628647},{"text":"Okay.","start":1441.3201,"end":1441.8201,"sentiment":"neutral","sentiment_score":0.024203890934586525},{"text":"And so what about the tax liability?","start":1441.88,"end":1444.46,"sentiment":"neutral","sentiment_score":-0.023471209087542126},{"text":"That's right.","start":1482.215,"end":1482.955,"sentiment":"neutral","sentiment_score":0.13142535835504532},{"text":"Yeah.","start":1504.395,"end":1504.635,"sentiment":"neutral","sentiment_score":0.005222659558057785}],"sentiment":"neutral","sentiment_score":0.013788538208852211,"num_words":12,"start":1439.72,"end":1504.635},{"sentences":[{"text":"You can explain that to me, but but I didn't quite get that answer about the tax liability.","start":1504.635,"end":1508.975,"sentiment":"neutral","sentiment_score":-0.1556062021603187},{"text":"What does it mean?","start":1510.795,"end":1511.595,"sentiment":"neutral","sentiment_score":-0.11833261884748936},{"text":"Where does it come from?","start":1511.595,"end":1512.555,"sentiment":"neutral","sentiment_score":-0.11945280730724335},{"text":"But why do I get charged $1,263?","start":1512.555,"end":1515.855,"sentiment":"neutral","sentiment_score":-0.1562689287321908},{"text":"So it's tax on top of my super.","start":1535.0549,"end":1537.075,"sentiment":"neutral","sentiment_score":-0.15083898976445198}],"sentiment":"neutral","sentiment_score":-0.1469547754774491,"num_words":42,"start":1504.635,"end":1537.075},{"sentences":[{"text":"Okay.","start":1546.75,"end":1547.0701,"sentiment":"neutral","sentiment_score":-0.018029825761914253},{"text":"So where does that money go to?","start":1547.0701,"end":1548.67,"sentiment":"neutral","sentiment_score":-0.020114837480442866},{"text":"Is it so where is that?","start":1548.67,"end":1551.89,"sentiment":"neutral","sentiment_score":0.013994432985782623},{"text":"So what is that is that is that is that is that Hub 24 or or IQ?","start":1560.345,"end":1565.145,"sentiment":"neutral","sentiment_score":0.018553404466194266},{"text":"Or where does it go?","start":1565.145,"end":1566.6849,"sentiment":"neutral","sentiment_score":-0.007945835590362549}],"sentiment":"neutral","sentiment_score":0.005578100215643644,"num_words":36,"start":1546.75,"end":1566.6849},{"sentences":[{"text":"Okay.","start":1580.24,"end":1580.74,"sentiment":"neutral","sentiment_score":0.058130621910095215},{"text":"Okay.","start":1593.015,"end":1593.515,"sentiment":"neutral","sentiment_score":0.13575902581214905},{"text":"Alright.","start":1596.055,"end":1596.555,"sentiment":"neutral","sentiment_score":0.12704044580459595},{"text":"Okay.","start":1598.6951,"end":1599.015,"sentiment":"neutral","sentiment_score":0.09203442186117172},{"text":"What what what else needs to be talked about?","start":1599.015,"end":1601.015,"sentiment":"neutral","sentiment_score":0.08497605472803116}],"sentiment":"neutral","sentiment_score":0.09059607753386864,"num_words":13,"start":1580.24,"end":1601.015},{"sentences":[{"text":"Are you gonna show me around the site, are you?","start":1601.015,"end":1603.275,"sentiment":"neutral","sentiment_score":0.0728479191660881},{"text":"Gonna show me around how to use the the website?","start":1605.61,"end":1608.75,"sentiment":"neutral","sentiment_score":0.06119573302567005},{"text":"Yes.","start":1618.73,"end":1618.97,"sentiment":"neutral","sentiment_score":0.03197011351585388},{"text":"I am.","start":1618.97,"end":1619.625,"sentiment":"neutral","sentiment_score":0.1607527956366539},{"text":"Yes.","start":1640.77,"end":1641.27,"sentiment":"neutral","sentiment_score":0.11882149428129196}],"sentiment":"neutral","sentiment_score":0.0755305717078348,"num_words":24,"start":1601.015,"end":1641.27},{"sentences":[{"text":"Yep.","start":1726.14,"end":1726.64,"sentiment":"neutral","sentiment_score":0.06624528020620346},{"text":"So what's I r r?","start":1752.755,"end":1754.375,"sentiment":"neutral","sentiment_score":0.016753999143838884},{"text":"R?","start":1770.3201,"end":1770.585,"sentiment":"neutral","sentiment_score":-0.05768750607967377},{"text":"Nope.","start":1782.1849,"end":1782.6,"sentiment":"neutral","sentiment_score":-0.09133309870958328},{"text":"Yep.","start":1807.265,"end":1807.665,"sentiment":"neutral","sentiment_score":0.07727255672216415}],"sentiment":"neutral","sentiment_score":0.008696358650922775,"num_words":9,"start":1726.14,"end":1807.665},{"sentences":[{"text":"I've got it at the 07/01/2025 to the 06/12/2026.","start":1807.665,"end":1813.86,"sentiment":"neutral","sentiment_score":0.04958028925789727},{"text":"Hello?","start":1879.36,"end":1879.86,"sentiment":"neutral","sentiment_score":0.22213494777679443},{"text":"So which one was it?","start":1961.01,"end":1962.0499,"sentiment":"neutral","sentiment_score":0.041469046473503114},{"text":"Better which?","start":1962.0499,"end":1962.95,"sentiment":"neutral","sentiment_score":0.05500384233891964},{"text":"So that I'm listed on here, is it?","start":1965.895,"end":1968.295,"sentiment":"neutral","sentiment_score":0.0385163698811084}],"sentiment":"neutral","sentiment_score":0.051753657087683674,"num_words":25,"start":1807.665,"end":1968.295},{"sentences":[{"text":"I I don't have that.","start":1968.295,"end":1969.255,"sentiment":"neutral","sentiment_score":-0.06877377852797509},{"text":"I got Better Global, Better SP five hundred, Better Share Nasdaq, Better Share, where is it?","start":1969.255,"end":1979.52,"sentiment":"neutral","sentiment_score":0.08156620291993022},{"text":"It's yep.","start":1979.52,"end":1984.4199,"sentiment":"neutral","sentiment_score":0.02531360276043415},{"text":"RAS Alt.","start":1984.72,"end":1985.46,"sentiment":"neutral","sentiment_score":0.026923006400465965},{"text":"Yep.","start":1985.76,"end":1986.08,"sentiment":"neutral","sentiment_score":0.02857212722301483}],"sentiment":"neutral","sentiment_score":0.04208598844707012,"num_words":26,"start":1968.295,"end":1986.08},{"sentences":[{"text":"Is that the one?","start":1986.08,"end":1986.98,"sentiment":"neutral","sentiment_score":0.011685086879879236},{"text":"To which one?","start":1993.605,"end":1994.505,"sentiment":"neutral","sentiment_score":-0.0018219392125805218},{"text":"Desktop.","start":1995.125,"end":1995.625,"sentiment":"neutral","sentiment_score":-0.0030103446915745735},{"text":"Oh, okay.","start":1999.285,"end":2000.025,"sentiment":"neutral","sentiment_score":0.02337389811873436},{"text":"Australian lithium.","start":2000.885,"end":2001.785,"sentiment":"neutral","sentiment_score":0.011974634602665901}],"sentiment":"neutral","sentiment_score":0.009080104219416777,"num_words":12,"start":1986.08,"end":2001.785},{"sentences":[{"text":"I don't have anything.","start":2002.325,"end":2003.465,"sentiment":"neutral","sentiment_score":-0.019377008080482483},{"text":"The first one is Better Global Cyber.","start":2004.165,"end":2007.06,"sentiment":"neutral","sentiment_score":0.045044007311974256},{"text":"Oh, better long.","start":2011.4401,"end":2012.0801,"sentiment":"neutral","sentiment_score":0.031233837207158405},{"text":"Here we go.","start":2012.0801,"end":2012.64,"sentiment":"neutral","sentiment_score":0.03810943538943926},{"text":"Sorry.","start":2012.64,"end":2012.9601,"sentiment":"neutral","sentiment_score":-0.04866687208414078}],"sentiment":"neutral","sentiment_score":0.022064609142641228,"num_words":18,"start":2002.325,"end":2012.9601},{"sentences":[{"text":"Sorry.","start":2012.9601,"end":2013.2001,"sentiment":"neutral","sentiment_score":-0.05944186449050903},{"text":"Yeah.","start":2013.2001,"end":2013.52,"sentiment":"neutral","sentiment_score":0.016429409384727478},{"text":"Kind of.","start":2013.52,"end":2014.18,"sentiment":"neutral","sentiment_score":0.07086453959345818},{"text":"Okay.","start":2021.8049,"end":2022.205,"sentiment":"neutral","sentiment_score":0.041776999831199646},{"text":"So then you're saying that that's not doing 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you?","start":2098.97,"end":2100.1099,"sentiment":"neutral","sentiment_score":0.006950449431315064},{"text":"Mhmm.","start":2129.88,"end":2130.04,"sentiment":"neutral","sentiment_score":0.04409804940223694},{"text":"Yep.","start":2130.04,"end":2130.54,"sentiment":"neutral","sentiment_score":0.0993007868528366}],"sentiment":"neutral","sentiment_score":0.04795000323404868,"num_words":15,"start":2070.66,"end":2130.54},{"sentences":[{"text":"Sure.","start":2165.4749,"end":2165.9749,"sentiment":"neutral","sentiment_score":0.10159225761890411},{"text":"And so what about what about the note three?","start":2166.755,"end":2169.395,"sentiment":"neutral","sentiment_score":0.002093387664192253},{"text":"What what what does that mean?","start":2169.395,"end":2170.9949,"sentiment":"neutral","sentiment_score":-0.03178457791606585},{"text":"Why is that higher?","start":2170.9949,"end":2172.135,"sentiment":"neutral","sentiment_score":-0.03923434391617775},{"text":"So the far right IRR, internal rate of return, Annual Okay.","start":2175.075,"end":2207.4749,"sentiment":"neutral","sentiment_score":0.015149961479685524}],"sentiment":"neutral","sentiment_score":-0.0019536296867074506,"num_words":31,"start":2165.4749,"end":2207.4749},{"sentences":[{"text":"Alright.","start":2211.76,"end":2212.24,"sentiment":"positive","sentiment_score":0.337984561920166},{"text":"Okay.","start":2212.24,"end":2212.74,"sentiment":"positive","sentiment_score":0.3374709486961365},{"text":"Alright.","start":2221.92,"end":2222.415,"sentiment":"positive","sentiment_score":0.436160147190094},{"text":"That's good.","start":2223.855,"end":2224.7551,"sentiment":"positive","sentiment_score":0.682852566242218},{"text":"No.","start":2262.1702,"end":2262.49,"sentiment":"neutral","sentiment_score":-0.09528791159391405}],"sentiment":"positive","sentiment_score":0.39700547978281975,"num_words":6,"start":2211.76,"end":2262.49},{"sentences":[{"text":"So explain that to me.","start":2262.49,"end":2264.09,"sentiment":"neutral","sentiment_score":-0.061005016416311265},{"text":"Just the insurance this insurance is just insurance for my my desk and so forth.","start":2264.09,"end":2271.05,"sentiment":"neutral","sentiment_score":-0.03423990209897359},{"text":"Is that right?","start":2271.05,"end":2271.87,"sentiment":"neutral","sentiment_score":0.004078594346841177},{"text":"Yep.","start":2331.27,"end":2331.77,"sentiment":"neutral","sentiment_score":0.012835673056542872},{"text":"Yep.","start":2350.22,"end":2350.72,"sentiment":"neutral","sentiment_score":0.032910749316215515}],"sentiment":"neutral","sentiment_score":-0.03042565632611513,"num_words":25,"start":2262.49,"end":2350.72},{"sentences":[{"text":"Yep.","start":2397.675,"end":2398.175,"sentiment":"neutral","sentiment_score":0.12900887429714203},{"text":"Yep.","start":2398.635,"end":2399.135,"sentiment":"neutral","sentiment_score":0.1680256724357605},{"text":"So you have to pay the 2,020, that that premium to get the payout figure?","start":2415.33,"end":2422.9949,"sentiment":"neutral","sentiment_score":0.09950000842412313},{"text":"So you'd have to pay the premium of 2,000 whatever you just said to be able to get your your your payout figure of disability or yep.","start":2427.2148,"end":2438.98,"sentiment":"neutral","sentiment_score":-0.011219849361589661},{"text":"Yep.","start":2448.515,"end":2449.015,"sentiment":"neutral","sentiment_score":0.09274839609861374}],"sentiment":"neutral","sentiment_score":0.035096603031787604,"num_words":45,"start":2397.675,"end":2449.015},{"sentences":[{"text":"Yes.","start":2450.355,"end":2450.855,"sentiment":"neutral","sentiment_score":0.12146100401878356},{"text":"Now So the insurance the insurance comes out of my my my hub 24, my Subaru.","start":2451.4749,"end":2462.44,"sentiment":"neutral","sentiment_score":0.04050596896559},{"text":"Is that right?","start":2462.5,"end":2463.32,"sentiment":"neutral","sentiment_score":0.06665171931187312},{"text":"So sorry.","start":2465.7,"end":2466.3398,"sentiment":"neutral","sentiment_score":0.004751267842948437},{"text":"Could you give me that amount again?","start":2466.3398,"end":2468.0999,"sentiment":"neutral","sentiment_score":0.014972199286733354}],"sentiment":"neutral","sentiment_score":0.03737308952058184,"num_words":29,"start":2450.355,"end":2468.0999},{"sentences":[{"text":"2,000.","start":2468.0999,"end":2468.8398,"sentiment":"neutral","sentiment_score":0.027692824602127075},{"text":"That's Netlife Insurance.","start":2482.035,"end":2484.215,"sentiment":"neutral","sentiment_score":0.10589902848005295},{"text":"Right.","start":2487.155,"end":2487.57,"sentiment":"neutral","sentiment_score":0.09908132255077362},{"text":"Okay.","start":2487.81,"end":2488.31,"sentiment":"neutral","sentiment_score":0.08144036680459976},{"text":"Yeah.","start":2518.23,"end":2518.55,"sentiment":"neutral","sentiment_score":-0.06555649638175964}],"sentiment":"neutral","sentiment_score":0.06576501471655709,"num_words":7,"start":2468.0999,"end":2518.55},{"sentences":[{"text":"But, I mean, if I wanna be covered for more, I gotta pay more per year.","start":2518.55,"end":2522.23,"sentiment":"neutral","sentiment_score":-0.14482427667826414},{"text":"Is that right?","start":2522.23,"end":2523.05,"sentiment":"neutral","sentiment_score":0.02893480348090331},{"text":"Yep.","start":2523.67,"end":2524.17,"sentiment":"neutral","sentiment_score":-0.0578283928334713},{"text":"Yep.","start":2553.84,"end":2554.34,"sentiment":"neutral","sentiment_score":0.04547854885458946},{"text":"Okay.","start":2582.45,"end":2582.95,"sentiment":"neutral","sentiment_score":0.10220948606729507}],"sentiment":"neutral","sentiment_score":-0.09729656246914105,"num_words":22,"start":2518.55,"end":2582.95},{"sentences":[{"text":"Yep.","start":2596.095,"end":2596.595,"sentiment":"neutral","sentiment_score":0.08989430963993073},{"text":"No.","start":2603.3298,"end":2603.65,"sentiment":"neutral","sentiment_score":-0.17532598972320557},{"text":"That's fine.","start":2603.65,"end":2604.2898,"sentiment":"neutral","sentiment_score":-0.02508840523660183},{"text":"I mean, it'd be good to be able to pay less per year, but I don't think you can change that, can you?","start":2604.2898,"end":2611.5098,"sentiment":"neutral","sentiment_score":-0.09394898767704549},{"text":"Yep.","start":2618.815,"end":2619.315,"sentiment":"neutral","sentiment_score":0.1129179447889328}],"sentiment":"neutral","sentiment_score":-0.07798275936927114,"num_words":28,"start":2596.095,"end":2619.315},{"sentences":[{"text":"Yep.","start":2637.19,"end":2637.5898,"sentiment":"neutral","sentiment_score":0.07604838907718658},{"text":"Understand.","start":2637.5898,"end":2638.0898,"sentiment":"neutral","sentiment_score":0.07873030006885529},{"text":"No.","start":2646.325,"end":2646.565,"sentiment":"negative","sentiment_score":-0.42259418964385986},{"text":"I'm happy spending time being with that amount.","start":2646.565,"end":2648.5051,"sentiment":"neutral","sentiment_score":-0.2458929279819131},{"text":"Mhmm.","start":2714.68,"end":2715.18,"sentiment":"neutral","sentiment_score":0.073214590549469}],"sentiment":"neutral","sentiment_score":-0.18014536115030447,"num_words":12,"start":2637.19,"end":2715.18},{"sentences":[{"text":"Yep.","start":2768.015,"end":2768.515,"sentiment":"neutral","sentiment_score":0.12001997232437134},{"text":"Yes.","start":2789.4648,"end":2789.9648,"sentiment":"neutral","sentiment_score":0.11932498216629028},{"text":"Yes.","start":2792.905,"end":2793.385,"sentiment":"neutral","sentiment_score":0.10076317191123962},{"text":"Yes.","start":2793.385,"end":2793.885,"sentiment":"neutral","sentiment_score":0.11309383809566498},{"text":"That is fine.","start":2814.7349,"end":2815.295,"sentiment":"neutral","sentiment_score":0.3102685908476512}],"sentiment":"neutral","sentiment_score":0.19771539100578853,"num_words":7,"start":2768.015,"end":2815.295},{"sentences":[{"text":"It's fine.","start":2815.295,"end":2815.775,"sentiment":"positive","sentiment_score":0.39324629306793213},{"text":"I've always got my phone.","start":2815.775,"end":2817.1548,"sentiment":"neutral","sentiment_score":0.25883018374443056},{"text":"No.","start":2844.285,"end":2844.5251,"sentiment":"neutral","sentiment_score":-0.06553120911121368},{"text":"Whatever time suits.","start":2844.5251,"end":2845.745,"sentiment":"neutral","sentiment_score":-0.05823006356755892},{"text":"What what time have you got?","start":2846.7651,"end":2848.305,"sentiment":"neutral","sentiment_score":0.007673252994815509}],"sentiment":"neutral","sentiment_score":0.11096833076547175,"num_words":17,"start":2815.295,"end":2848.305},{"sentences":[{"text":"Yep.","start":2852.445,"end":2852.925,"sentiment":"neutral","sentiment_score":0.08662866055965424},{"text":"That's fine.","start":2852.925,"end":2853.745,"sentiment":"neutral","sentiment_score":0.1506481170654297},{"text":"Sure.","start":2897.19,"end":2897.51,"sentiment":"neutral","sentiment_score":0.22399042546749115},{"text":"Okay.","start":2897.51,"end":2898.01,"sentiment":"neutral","sentiment_score":0.19843456149101257},{"text":"Yep.","start":2932.5151,"end":2932.995,"sentiment":"neutral","sentiment_score":0.26108333468437195}],"sentiment":"neutral","sentiment_score":0.17857220272223154,"num_words":6,"start":2852.445,"end":2932.995},{"sentences":[{"text":"That's fine.","start":2932.995,"end":2933.715,"sentiment":"positive","sentiment_score":0.40126833319664},{"text":"And so how how does this document that was sent to us incorrect?","start":2933.715,"end":2939.095,"sentiment":"neutral","sentiment_score":-0.23282896956572166},{"text":"It was with the 01/5000 of the token 3 and 50.","start":2939.475,"end":2943.735,"sentiment":"neutral","sentiment_score":-0.173730922693556},{"text":"Yeah.","start":2951.48,"end":2951.96,"sentiment":"neutral","sentiment_score":0.028723688796162605},{"text":"But it is so so it's just going back to the amount that I had in my super.","start":2951.96,"end":2958.2449,"sentiment":"neutral","sentiment_score":-0.021087916981842782}],"sentiment":"neutral","sentiment_score":-0.09969197565482722,"num_words":45,"start":2932.995,"end":2958.2449},{"sentences":[{"text":"Can you just reiterate that for us?","start":2960.545,"end":2962.4648,"sentiment":"neutral","sentiment_score":-0.0013087732451302664},{"text":"And I just need to go back to my how do I get back to my my graph?","start":2962.4648,"end":2966.885,"sentiment":"neutral","sentiment_score":-0.006372277935345967},{"text":"Is that in account menu?","start":2969.105,"end":2970.7249,"sentiment":"neutral","sentiment_score":-0.0019671525806188583},{"text":"Sorry.","start":2976.67,"end":2977.15,"sentiment":"neutral","sentiment_score":-0.060934875160455704},{"text":"Usually.","start":2977.15,"end":2977.65,"sentiment":"neutral","sentiment_score":-0.03959250450134277}],"sentiment":"neutral","sentiment_score":-0.007319548691157252,"num_words":32,"start":2960.545,"end":2977.65},{"sentences":[{"text":"Yep.","start":2985.15,"end":2985.3098,"sentiment":"neutral","sentiment_score":0.039363496005535126},{"text":"Yep.","start":2985.3098,"end":2985.8098,"sentiment":"neutral","sentiment_score":0.04031499847769737},{"text":"Yep.","start":3016.43,"end":3016.93,"sentiment":"neutral","sentiment_score":0.11173437535762788},{"text":"Now just going back to you wanting to change my Australian investment.","start":3017.5251,"end":3026.185,"sentiment":"neutral","sentiment_score":0.04225347827499112},{"text":"How do I get back to them?","start":3027.7651,"end":3029.3052,"sentiment":"neutral","sentiment_score":0.028898516403777257}],"sentiment":"neutral","sentiment_score":0.04094291927123612,"num_words":22,"start":2985.15,"end":3029.3052},{"sentences":[{"text":"Yeah.","start":3032.48,"end":3032.96,"sentiment":"neutral","sentiment_score":0.04675998538732529},{"text":"How do I get back to my my cash statement?","start":3032.96,"end":3037.78,"sentiment":"neutral","sentiment_score":0.03094225749373436},{"text":"Yeah.","start":3043.28,"end":3043.78,"sentiment":"neutral","sentiment_score":0.04283864796161651},{"text":"Is it in account?","start":3044.6648,"end":3045.6448,"sentiment":"neutral","sentiment_score":0.021667446475476027},{"text":"Oh, no.","start":3052.345,"end":3052.825,"sentiment":"neutral","sentiment_score":-0.06940107047557831}],"sentiment":"neutral","sentiment_score":0.01927160295761294,"num_words":18,"start":3032.48,"end":3052.825},{"sentences":[{"text":"No.","start":3052.825,"end":3052.9048,"sentiment":"neutral","sentiment_score":-0.11532557010650636},{"text":"No.","start":3052.9048,"end":3053.1448,"sentiment":"neutral","sentiment_score":-0.1089414656162262},{"text":"Yep.","start":3053.1448,"end":3053.6448,"sentiment":"neutral","sentiment_score":-0.03266261890530586},{"text":"Yeah.","start":3054.7449,"end":3055.065,"sentiment":"neutral","sentiment_score":0.02831544168293476},{"text":"I found it.","start":3055.065,"end":3055.7048,"sentiment":"neutral","sentiment_score":0.022410884499549866}],"sentiment":"neutral","sentiment_score":-0.02305450849235058,"num_words":7,"start":3052.825,"end":3055.7048},{"sentences":[{"text":"So a cash statement.","start":3055.7048,"end":3056.845,"sentiment":"neutral","sentiment_score":0.018669493263587356},{"text":"Yeah.","start":3061.73,"end":3062.05,"sentiment":"neutral","sentiment_score":0.025461167097091675},{"text":"Text liability.","start":3062.05,"end":3062.79,"sentiment":"neutral","sentiment_score":0.011406035162508488},{"text":"Yep.","start":3063.33,"end":3063.73,"sentiment":"neutral","sentiment_score":0.03261524438858032},{"text":"Okay.","start":3063.73,"end":3064.23,"sentiment":"neutral","sentiment_score":0.01726233959197998}],"sentiment":"neutral","sentiment_score":0.01920319938411315,"num_words":9,"start":3055.7048,"end":3064.23},{"sentences":[{"text":"Something like that.","start":3064.29,"end":3065.19,"sentiment":"neutral","sentiment_score":0.008374458799759546},{"text":"Okay.","start":3065.97,"end":3066.45,"sentiment":"neutral","sentiment_score":0.03317636996507645},{"text":"Reports.","start":3066.45,"end":3066.95,"sentiment":"neutral","sentiment_score":0.01478296797722578},{"text":"So what you're you're saying that you want to change that, But yeah.","start":3070.05,"end":3079.325,"sentiment":"neutral","sentiment_score":-0.04240838925425823},{"text":"And so so so so your reasoning for wanting to change that is that it because it's not performing well?","start":3079.545,"end":3085.2449,"sentiment":"neutral","sentiment_score":-0.23550065457820893}],"sentiment":"neutral","sentiment_score":-0.13653261677705145,"num_words":38,"start":3064.29,"end":3085.2449},{"sentences":[{"text":"Mhmm.","start":3089.52,"end":3090.02,"sentiment":"neutral","sentiment_score":-0.07387804985046387},{"text":"Okay.","start":3097.4175,"end":3097.9175,"sentiment":"neutral","sentiment_score":-0.03562096506357193},{"text":"Okay.","start":3116.355,"end":3116.855,"sentiment":"neutral","sentiment_score":0.013315826654434204},{"text":"So, I mean, from from from reading it, I mean, it says the the market value at the start of period is 39 and now it's at 32.","start":3117.315,"end":3126.03,"sentiment":"neutral","sentiment_score":-0.049090370402804444},{"text":"So that's the that's the drop that you're talking about.","start":3126.03,"end":3128.69,"sentiment":"neutral","sentiment_score":-0.2265811048448086}],"sentiment":"neutral","sentiment_score":-0.09113474653624906,"num_words":41,"start":3089.52,"end":3128.69},{"sentences":[{"text":"Oh, yeah.","start":3158.78,"end":3159.36,"sentiment":"neutral","sentiment_score":-0.010324027389287949},{"text":"Yep.","start":3203.635,"end":3204.135,"sentiment":"neutral","sentiment_score":0.28255611658096313},{"text":"Yep.","start":3204.755,"end":3205.255,"sentiment":"neutral","sentiment_score":0.1510366052389145},{"text":"So can you just run through it with me, like, that performance sheet that you're talking about?","start":3205.66,"end":3212.54,"sentiment":"neutral","sentiment_score":0.1040161313379512},{"text":"So I think the start there, we've got the market value at the start of period.","start":3212.54,"end":3216.8,"sentiment":"neutral","sentiment_score":0.05924763670191169}],"sentiment":"neutral","sentiment_score":0.08457246181127187,"num_words":37,"start":3158.78,"end":3216.8},{"sentences":[{"text":"So that's how much we that's how much we bought it for.","start":3217.34,"end":3220.22,"sentiment":"neutral","sentiment_score":0.06211525946855545},{"text":"Is that right?","start":3220.22,"end":3220.995,"sentiment":"neutral","sentiment_score":0.053359160820643105},{"text":"That's 80 nine thousand?","start":3220.995,"end":3229.475,"sentiment":"neutral","sentiment_score":0.015176125802099705},{"text":"Oh, that's because you're but they seem to be the same.","start":3229.475,"end":3237.6501,"sentiment":"neutral","sentiment_score":-0.004327259703793309},{"text":"Like, market value and start up period.","start":3238.51,"end":3240.23,"sentiment":"neutral","sentiment_score":0.015109628971133913}],"sentiment":"neutral","sentiment_score":0.02768466609051904,"num_words":37,"start":3217.34,"end":3240.23},{"sentences":[{"text":"Does that does that mean that means what we brought it for?","start":3240.23,"end":3242.51,"sentiment":"neutral","sentiment_score":0.00679943369080623},{"text":"Is that right?","start":3242.51,"end":3243.33,"sentiment":"neutral","sentiment_score":0.021875455044209957},{"text":"Right.","start":3249.705,"end":3250.205,"sentiment":"neutral","sentiment_score":0.0354674831032753},{"text":"Yep.","start":3253.865,"end":3254.365,"sentiment":"neutral","sentiment_score":0.01729566976428032},{"text":"Okay.","start":3261.225,"end":3261.725,"sentiment":"neutral","sentiment_score":0.00736166350543499}],"sentiment":"neutral","sentiment_score":0.011519132544183068,"num_words":18,"start":3240.23,"end":3261.725},{"sentences":[{"text":"And so and then moving along, it says buys in period.","start":3262.9,"end":3266.44,"sentiment":"neutral","sentiment_score":0.0008812307126142762},{"text":"Explain that to me.","start":3267.38,"end":3268.6,"sentiment":"neutral","sentiment_score":-0.008534201420843601},{"text":"Right.","start":3275.46,"end":3275.925,"sentiment":"neutral","sentiment_score":-0.016415078192949295},{"text":"And then the sales in period, so so we obviously haven't sold anything.","start":3276.165,"end":3280.425,"sentiment":"neutral","sentiment_score":-0.10355569508213264},{"text":"And then the market value at end of period, so that's that's to now.","start":3282.725,"end":3287.065,"sentiment":"neutral","sentiment_score":0.04640953854790756}],"sentiment":"neutral","sentiment_score":-0.017147647498478722,"num_words":43,"start":3262.9,"end":3287.065},{"sentences":[{"text":"That's how much we've got that's how much I've got in there.","start":3290.12,"end":3293.9802,"sentiment":"neutral","sentiment_score":0.11031062838931878},{"text":"Okay.","start":3295.8801,"end":3296.36,"sentiment":"neutral","sentiment_score":0.0823785662651062},{"text":"And then the incoming period is the sorry.","start":3296.36,"end":3302.995,"sentiment":"neutral","sentiment_score":0.05276478873565793},{"text":"Say that again?","start":3302.995,"end":3303.895,"sentiment":"neutral","sentiment_score":-0.004096427621940771},{"text":"Okay.","start":3307.635,"end":3308.135,"sentiment":"neutral","sentiment_score":0.040726691484451294}],"sentiment":"neutral","sentiment_score":0.07426647301763296,"num_words":25,"start":3290.12,"end":3308.135},{"sentences":[{"text":"So it's only 325.","start":3309.235,"end":3311.575,"sentiment":"neutral","sentiment_score":0.02783845691010356},{"text":"And then tax file tax file number amounts withheld.","start":3312.595,"end":3316.96,"sentiment":"neutral","sentiment_score":-0.0074722932444678414},{"text":"There's there's nothing there.","start":3317.42,"end":3318.72,"sentiment":"neutral","sentiment_score":-0.08501596003770828},{"text":"So growth in period, explain that.","start":3320.14,"end":3323.3599,"sentiment":"neutral","sentiment_score":0.13670283059279123},{"text":"Okay.","start":3326.6199,"end":3327.02,"sentiment":"neutral","sentiment_score":-0.04615200683474541}],"sentiment":"neutral","sentiment_score":0.019921013542140525,"num_words":24,"start":3309.235,"end":3327.02},{"sentences":[{"text":"So because it's in brackets, does that mean that's a negative?","start":3327.02,"end":3333.0151,"sentiment":"neutral","sentiment_score":-0.24468592215668072},{"text":"Okay.","start":3339.075,"end":3339.575,"sentiment":"neutral","sentiment_score":0.03139292448759079},{"text":"And so total earnings, we've we've lost 7,760 We know yours is differently.","start":3340.115,"end":3346.3,"sentiment":"neutral","sentiment_score":0.045498053614909835},{"text":"Okay.","start":3347.56,"end":3348.06,"sentiment":"neutral","sentiment_score":0.09207209944725037},{"text":"Okay.","start":3352.68,"end":3353.0,"sentiment":"neutral","sentiment_score":0.06747134029865265}],"sentiment":"neutral","sentiment_score":-0.07070866972208023,"num_words":27,"start":3327.02,"end":3353.0},{"sentences":[{"text":"And so is there is there a particular amount of stock or shares that we have to have?","start":3353.0,"end":3359.16,"sentiment":"neutral","sentiment_score":0.04493922719524966},{"text":"So, like, can we just so we've got 12345678 altogether.","start":3359.16,"end":3368.365,"sentiment":"neutral","sentiment_score":0.04971124678850174},{"text":"But do we have to have eight, or do we just can we just have one, or do we have to have a certain amount?","start":3369.065,"end":3375.005,"sentiment":"neutral","sentiment_score":0.000012226291000843047},{"text":"Yeah.","start":3423.715,"end":3423.955,"sentiment":"neutral","sentiment_score":0.1285131424665451},{"text":"Yeah.","start":3423.955,"end":3424.115,"sentiment":"neutral","sentiment_score":0.16203489899635315}],"sentiment":"neutral","sentiment_score":0.029034041020680558,"num_words":55,"start":3353.0,"end":3424.115},{"sentences":[{"text":"Yeah.","start":3424.115,"end":3424.355,"sentiment":"neutral","sentiment_score":0.2246745526790619},{"text":"Definitely.","start":3424.355,"end":3424.855,"sentiment":"neutral","sentiment_score":0.3031587302684784},{"text":"So so there's no limit to the amount of shares that we we can invest in.","start":3424.915,"end":3430.535,"sentiment":"neutral","sentiment_score":0.20284372894093394},{"text":"Yep.","start":3442.5999,"end":3443.0999,"sentiment":"neutral","sentiment_score":-0.17214708030223846},{"text":"Yep.","start":3451.815,"end":3452.315,"sentiment":"neutral","sentiment_score":0.16355150938034058}],"sentiment":"neutral","sentiment_score":0.18823686875402929,"num_words":20,"start":3424.115,"end":3452.315},{"sentences":[{"text":"Mhmm.","start":3474.165,"end":3474.325,"sentiment":"neutral","sentiment_score":-0.03908322751522064},{"text":"And so if I turned around to you and said, I'd I'd like to remove all of my then along with saying equity funds and and move them all into lithium or or NASDAQ or whatever, then you you you can just do that for Mhmm.","start":3474.325,"end":3524.3499,"sentiment":"neutral","sentiment_score":-0.04940133420345576},{"text":"And is there a particular rule as to which we have to have?","start":3525.015,"end":3532.535,"sentiment":"neutral","sentiment_score":-0.061196701744428046},{"text":"Like, do we have to have one Chinese?","start":3532.535,"end":3534.4548,"sentiment":"neutral","sentiment_score":-0.05701012071222067},{"text":"Do we have to have one Australian?","start":3534.4548,"end":3536.075,"sentiment":"neutral","sentiment_score":-0.059857363147394996}],"sentiment":"neutral","sentiment_score":-0.05309578975041707,"num_words":75,"start":3474.165,"end":3536.075},{"sentences":[{"text":"Do we have to No.","start":3536.2148,"end":3538.1501,"sentiment":"neutral","sentiment_score":-0.09650179147720336},{"text":"Right.","start":3576.68,"end":3577.1602,"sentiment":"neutral","sentiment_score":0.2408132255077362},{"text":"Now that was the first thing that popped up when I opened up the website, that I don't have a 1.25, account balance.","start":3577.1602,"end":3590.655,"sentiment":"neutral","sentiment_score":0.1341318182606736},{"text":"Yeah.","start":3591.8352,"end":3592.3352,"sentiment":"neutral","sentiment_score":0.2846274673938751},{"text":"Okay.","start":3622.79,"end":3623.19,"sentiment":"neutral","sentiment_score":0.13556072115898132}],"sentiment":"neutral","sentiment_score":0.1052749766667764,"num_words":31,"start":3536.2148,"end":3623.19},{"sentences":[{"text":"So the warning time that I have in front of me right now, warning your cash account balance is low.","start":3623.19,"end":3628.8699,"sentiment":"neutral","sentiment_score":0.04614727571606636},{"text":"The minimum cash account balance is required at any time is 1.25 of your account balance.","start":3628.8699,"end":3634.995,"sentiment":"neutral","sentiment_score":0.08913109079003334},{"text":"So what?","start":3635.615,"end":3636.335,"sentiment":"neutral","sentiment_score":0.07766460999846458},{"text":"You're just saying that I should ignore that?","start":3636.335,"end":3638.355,"sentiment":"neutral","sentiment_score":0.02844189666211605},{"text":"Okay.","start":3649.8699,"end":3650.3699,"sentiment":"positive","sentiment_score":0.3606600761413574}],"sentiment":"neutral","sentiment_score":0.06579930715738459,"num_words":47,"start":3623.19,"end":3650.3699},{"sentences":[{"text":"Okay.","start":3658.9448,"end":3659.1848,"sentiment":"neutral","sentiment_score":0.25470346212387085},{"text":"Okay.","start":3659.1848,"end":3659.345,"sentiment":"neutral","sentiment_score":0.12195256352424622},{"text":"You don't have to worry about that one.","start":3659.345,"end":3663.3647,"sentiment":"neutral","sentiment_score":0.11861523799598217},{"text":"What was I gonna say?","start":3664.4648,"end":3665.585,"sentiment":"neutral","sentiment_score":-0.0046631693840026855},{"text":"Now is there any restrictions on investing in crypto or what what what as we're talking about restrictions for which ones you can invest in, what is it not preferred?","start":3665.585,"end":3678.94,"sentiment":"neutral","sentiment_score":-0.14473568474253018}],"sentiment":"neutral","sentiment_score":-0.06755129910177654,"num_words":45,"start":3658.9448,"end":3678.94},{"sentences":[{"text":"What's what's what?","start":3679.32,"end":3681.5,"sentiment":"neutral","sentiment_score":-0.07479134326179822},{"text":"Twenty four.","start":3683.24,"end":3684.22,"sentiment":"neutral","sentiment_score":-0.07051640190184116},{"text":"Mhmm.","start":3697.895,"end":3698.395,"sentiment":"neutral","sentiment_score":-0.08149422705173492},{"text":"Yeah.","start":3702.39,"end":3702.89,"sentiment":"neutral","sentiment_score":-0.0382838249206543},{"text":"Mhmm.","start":3706.71,"end":3707.21,"sentiment":"neutral","sentiment_score":0.060637980699539185}],"sentiment":"neutral","sentiment_score":-0.05306836310774088,"num_words":8,"start":3679.32,"end":3707.21},{"sentences":[{"text":"Yep.","start":3718.055,"end":3718.555,"sentiment":"neutral","sentiment_score":-0.04535961151123047},{"text":"Yeah.","start":3720.375,"end":3720.875,"sentiment":"neutral","sentiment_score":0.018579429015517235},{"text":"Yep.","start":3722.695,"end":3723.095,"sentiment":"neutral","sentiment_score":0.010588247328996658},{"text":"No.","start":3723.095,"end":3723.595,"sentiment":"neutral","sentiment_score":-0.29287248849868774},{"text":"No.","start":3726.455,"end":3726.615,"sentiment":"neutral","sentiment_score":-0.32805335521698}],"sentiment":"neutral","sentiment_score":-0.12742355577647685,"num_words":5,"start":3718.055,"end":3726.615},{"sentences":[{"text":"I'll I'll yeah.","start":3726.615,"end":3728.16,"sentiment":"neutral","sentiment_score":-0.11981338945527871},{"text":"Yeah.","start":3728.16,"end":3728.3198,"sentiment":"neutral","sentiment_score":0.03133063018321991},{"text":"Yeah.","start":3728.3198,"end":3728.5598,"sentiment":"neutral","sentiment_score":0.0837215781211853},{"text":"Definitely.","start":3728.5598,"end":3729.04,"sentiment":"neutral","sentiment_score":0.15741609036922455},{"text":"I just thought I'd I'd ask that question.","start":3729.04,"end":3731.46,"sentiment":"neutral","sentiment_score":0.03561343892943114}],"sentiment":"neutral","sentiment_score":0.014138260124517339,"num_words":14,"start":3726.615,"end":3731.46},{"sentences":[{"text":"Maybe that's probably something I can do personally.","start":3731.76,"end":3735.6199,"sentiment":"neutral","sentiment_score":0.03744508698582649},{"text":"But just going through what I've got.","start":3735.8398,"end":3738.5,"sentiment":"neutral","sentiment_score":0.0628158827977521},{"text":"So Global Fiber ETS units.","start":3738.5598,"end":3743.2998,"sentiment":"neutral","sentiment_score":0.05500820055603981},{"text":"So what can you just explain what I'm investing in there with cyber?","start":3744.105,"end":3750.365,"sentiment":"neutral","sentiment_score":0.0431198191184264},{"text":"Okay.","start":3773.59,"end":3774.015,"sentiment":"neutral","sentiment_score":-0.05732528865337372}],"sentiment":"neutral","sentiment_score":0.04463368347462486,"num_words":34,"start":3731.76,"end":3774.015},{"sentences":[{"text":"Yep.","start":3777.375,"end":3777.875,"sentiment":"neutral","sentiment_score":0.050271518528461456},{"text":"Yep.","start":3792.95,"end":3793.45,"sentiment":"neutral","sentiment_score":0.053222350776195526},{"text":"Yes.","start":3797.67,"end":3798.15,"sentiment":"neutral","sentiment_score":0.18084880709648132},{"text":"Okay.","start":3798.15,"end":3798.65,"sentiment":"neutral","sentiment_score":0.2604685425758362},{"text":"Yep.","start":3822.9902,"end":3823.4702,"sentiment":"neutral","sentiment_score":0.03604932129383087}],"sentiment":"neutral","sentiment_score":0.11617210805416107,"num_words":5,"start":3777.375,"end":3823.4702},{"sentences":[{"text":"No.","start":3823.4702,"end":3823.79,"sentiment":"neutral","sentiment_score":-0.10352354496717452},{"text":"No.","start":3823.79,"end":3824.03,"sentiment":"neutral","sentiment_score":-0.12572164833545685},{"text":"That's that's alright.","start":3824.03,"end":3825.1501,"sentiment":"neutral","sentiment_score":0.0032059202591578164},{"text":"So those seven, other than the the Benelon, are all groups as such.","start":3825.1501,"end":3832.1902,"sentiment":"neutral","sentiment_score":-0.00787098311747496},{"text":"They're not just one.","start":3832.1902,"end":3833.4902,"sentiment":"neutral","sentiment_score":-0.042697323486208916}],"sentiment":"neutral","sentiment_score":-0.022397250318053095,"num_words":22,"start":3823.4702,"end":3833.4902},{"sentences":[{"text":"Yep.","start":3837.5051,"end":3838.0051,"sentiment":"neutral","sentiment_score":0.030392445623874664},{"text":"Yep.","start":3840.465,"end":3840.965,"sentiment":"neutral","sentiment_score":-0.04205837845802307},{"text":"So they're all all yeah.","start":3841.5051,"end":3843.425,"sentiment":"neutral","sentiment_score":-0.008995840139687062},{"text":"They're all ETFs, obviously.","start":3843.425,"end":3844.885,"sentiment":"neutral","sentiment_score":0.0018232943839393556},{"text":"And what except for Global Expatriatex and Lithium, is that is that just one company or is that an ETF?","start":3846.625,"end":3853.6401,"sentiment":"neutral","sentiment_score":-0.015799430711194874}],"sentiment":"neutral","sentiment_score":-0.011785179684539475,"num_words":31,"start":3837.5051,"end":3853.6401},{"sentences":[{"text":"Yep.","start":3859.62,"end":3860.12,"sentiment":"neutral","sentiment_score":0.013119250535964966},{"text":"Yep.","start":3860.58,"end":3861.08,"sentiment":"neutral","sentiment_score":0.014030586928129196},{"text":"Yep.","start":3861.94,"end":3862.44,"sentiment":"neutral","sentiment_score":0.05434735119342804},{"text":"Okay.","start":3862.66,"end":3863.16,"sentiment":"neutral","sentiment_score":0.0605664886534214},{"text":"Okay.","start":3863.855,"end":3864.335,"sentiment":"neutral","sentiment_score":0.05668549984693527}],"sentiment":"neutral","sentiment_score":0.03974983543157577,"num_words":5,"start":3859.62,"end":3864.335},{"sentences":[{"text":"And so when you're talking about changing from Ben along, I mean, are you I think you said you're gonna send an email to tell me what it is you you did your research and tell her tell me what it is you're going to change.","start":3864.335,"end":3876.765,"sentiment":"neutral","sentiment_score":0.02169819153926295},{"text":"Mhmm.","start":3877.92,"end":3878.42,"sentiment":"neutral","sentiment_score":0.03317935764789581},{"text":"Okay.","start":3882.88,"end":3883.38,"sentiment":"neutral","sentiment_score":0.08467210829257965},{"text":"Yep.","start":3899.6948,"end":3900.1948,"sentiment":"neutral","sentiment_score":0.10414499044418336},{"text":"Yep.","start":3912.04,"end":3912.4402,"sentiment":"neutral","sentiment_score":0.014808818697929382}],"sentiment":"neutral","sentiment_score":0.024698441717773675,"num_words":50,"start":3864.335,"end":3912.4402},{"sentences":[{"text":"No.","start":3912.4402,"end":3912.6802,"sentiment":"neutral","sentiment_score":-0.01981753669679165},{"text":"That's that's that's fine.","start":3912.6802,"end":3914.3801,"sentiment":"neutral","sentiment_score":0.015090800006873906},{"text":"No worries at all.","start":3914.4402,"end":3915.5,"sentiment":"neutral","sentiment_score":0.09689640253782272},{"text":"Alright.","start":3916.6802,"end":3917.1802,"sentiment":"positive","sentiment_score":0.3718532919883728},{"text":"Yep.","start":3918.12,"end":3918.4402,"sentiment":"positive","sentiment_score":0.3843553960323334}],"sentiment":"neutral","sentiment_score":0.10766726922751828,"num_words":11,"start":3912.4402,"end":3918.4402},{"sentences":[{"text":"That's great.","start":3918.4402,"end":3919.26,"sentiment":"positive","sentiment_score":0.6707483530044556},{"text":"Thank you for that.","start":3919.445,"end":3927.945,"sentiment":"neutral","sentiment_score":0.32232561940327287},{"text":"Yep.","start":3928.325,"end":3928.825,"sentiment":"neutral","sentiment_score":0.00003474081677268259},{"text":"Yep.","start":3937.34,"end":3937.84,"sentiment":"neutral","sentiment_score":-0.02916913479566574},{"text":"Great.","start":3959.2148,"end":3959.7148,"sentiment":"neutral","sentiment_score":0.3283427953720093}],"sentiment":"neutral","sentiment_score":0.3255563983350132,"num_words":9,"start":3918.4402,"end":3959.7148},{"sentences":[{"text":"Okay.","start":3960.255,"end":3960.7349,"sentiment":"neutral","sentiment_score":0.16655784845352173},{"text":"Thank you very much for that.","start":3960.7349,"end":3962.9,"sentiment":"positive","sentiment_score":0.5953383346398672},{"text":"Yep.","start":3964.96,"end":3965.46,"sentiment":"neutral","sentiment_score":0.04614969715476036},{"text":"And obviously, the downturn that happened in April 2026, the drop in my super, That was obviously due to everything that happened around the world.","start":3965.52,"end":3978.0151,"sentiment":"neutral","sentiment_score":-0.15913869202136993},{"text":"Yep.","start":3979.5952,"end":3980.0952,"sentiment":"neutral","sentiment_score":0.031790949404239655}],"sentiment":"neutral","sentiment_score":-0.004762905814191874,"num_words":34,"start":3960.255,"end":3980.0952},{"sentences":[{"text":"Okay.","start":3980.235,"end":3980.735,"sentiment":"neutral","sentiment_score":0.06696828454732895},{"text":"Yep.","start":3982.395,"end":3982.895,"sentiment":"neutral","sentiment_score":0.07071249932050705},{"text":"Alright.","start":3983.915,"end":3984.415,"sentiment":"neutral","sentiment_score":0.2146316021680832},{"text":"Thank you very much for your time.","start":3984.5552,"end":3986.3352,"sentiment":"positive","sentiment_score":0.5846216806343624},{"text":"Yep.","start":3990.51,"end":3991.01,"sentiment":"positive","sentiment_score":0.37698429822921753}],"sentiment":"positive","sentiment_score":0.4383316771550612,"num_words":11,"start":3980.235,"end":3991.01},{"sentences":[{"text":"Great.","start":3995.23,"end":3995.73,"sentiment":"neutral","sentiment_score":0.15056349337100983},{"text":"No worries.","start":4001.31,"end":4001.79,"sentiment":"neutral","sentiment_score":0.14998222887516022},{"text":"Thank you, Veronica.","start":4001.79,"end":4002.69,"sentiment":"neutral","sentiment_score":0.32681457201639813},{"text":"Okay.","start":4005.437,"end":4005.917,"sentiment":"neutral","sentiment_score":0.16754359006881714},{"text":"Thanks.","start":4005.917,"end":4006.237,"sentiment":"neutral","sentiment_score":0.28029000759124756}],"sentiment":"neutral","sentiment_score":0.23485065810382366,"num_words":8,"start":3995.23,"end":4006.237},{"sentences":[{"text":"Bye bye.","start":4006.237,"end":4006.977,"sentiment":"neutral","sentiment_score":0.1756366342306137},{"text":"Bye.","start":4008.157,"end":4008.657,"sentiment":"neutral","sentiment_score":0.07313687354326248}],"sentiment":"neutral","sentiment_score":0.14147004733482996,"num_words":3,"start":4006.237,"end":4008.657}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Monica speaking.\n\nChannel 1: Hi, Veronica. It's Dave Newan calling.\n\nChannel 0: Hi. How are you?\n\nChannel 1: Good. Thanks. How are you going?\n\nChannel 0: Good. Thanks for returning my callback.\n\nChannel 1: I've called.\n\nChannel 0: You didn't\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: would\n\nChannel 0: my call?\n\nChannel 1: no. I didn't get your call.\n\nChannel 0: Because I let me just triple check your number. 0424573002?\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. No. Strange. Yeah. Because I called at 01:30.\n\nIt went straight to voice mail, and I did leave a voice message as well. I thought that's why you called back. Oh, that's strange.\n\nChannel 1: No. I didn't get a voice mail at all. I'm just wondering what was going on.\n\nChannel 0: Yeah. Oh, that's very weird, but I'm glad you called anyway. That's strange. I'll have a look through IT if there's a bit of an issue with their with their phone system. But, yeah, it just went straight to your voice mail.\n\nSo I was like, oh, you must be on the phone maybe. But, yeah, good that you called back anyway. You still have time for your annual review?\n\nChannel 1: I do.\n\nChannel 0: Yep.\n\nChannel 1: I'd like to go over it. Yes, please. Yep.\n\nChannel 0: Yep. Beautiful. Now before I do kind of jump in two things further, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of an update and kind of touch base to see where everything's at?\n\nChannel 1: Yeah. A bit of everything. An update\n\nChannel 0: Yep.\n\nChannel 1: on where everything is at.\n\nChannel 0: Yeah.\n\nChannel 1: And, yeah, different\n\nChannel 0: We'll\n\nChannel 1: questions\n\nChannel 0: see how\n\nChannel 1: about\n\nChannel 0: we go.\n\nChannel 1: fees and so forth. And yeah.\n\nChannel 0: Yeah. Okay. Beautiful. Now what I might do first there, David, is just to run through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So just bear with me as I go through this first.\n\nNow when it comes to your personal information, I have you down here as single with two financial dependents. Is that correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No. One financial.\n\nChannel 0: One financial. And then one's a bit older?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. Now I don't actually have a next option on file for you. So in the event, for some reason, if we can't contact you, who is someone that you would like us to contact?\n\nAnd that can be anybody.\n\nChannel 1: That'll be my daughter, Shelby.\n\nChannel 0: Shelby. Perfect. And does she have the same last name as you?\n\nChannel 1: No. She her last name is Newman Christian.\n\nChannel 0: Perfect. And best contact number for her, please?\n\nChannel 1: You have not had that in the okay. 0452,\n\nChannel 0: Yep.\n\nChannel 1: 223,\n\nChannel 0: Sorry. Just cut out that word. Did you say double?\n\nChannel 1: 223\n\nChannel 0: Yep.\n\nChannel 1: 134.\n\nChannel 0: 134. Amazing. Thank you so much. Now when it comes to your occupation, has\n\nChannel 1: Yes.\n\nChannel 0: any of that changed, or are you still working as a building surveyor? Yep. Perfect. Still working full time for the same employer earning about 84,000?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now employer contribution, they still pay you that standard 12% contribution as well into superannuation?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Great. And when it comes through expenses and savings, I have here that last time we spoke, your savings was at around 110 a week. Is that still roughly the case, or do you know if any of that changed?\n\nChannel 1: Yep. That's been right.\n\nChannel 0: That's about right. Okay. Perfect. Asset and liabilities wise, I have here a motor vehicle valued at about 25,000.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And about 4,000 owing on it. Is that correct as well?\n\nChannel 1: No. That's paid off.\n\nChannel 0: That's paid off? Okay. Perfect. I'll update that. Now have you had any other changes in regards to your assets at all there?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. That's still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And have you had any changes to your health, any significant health issues or injuries or anything in the last twelve months or all going\n\nChannel 1: No.\n\nChannel 0: good?\n\nChannel 1: No. No.\n\nChannel 0: Perfect. And estate planning wise, now, David, do you have a will in place or power of attorney or anything like that?\n\nChannel 1: No.\n\nChannel 0: No. When it comes to superannuation, though, I do have two nominations on file. So both for your children, 50% to Hendrick and 50% to Shelby. That's still the case as well?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Great. Now when it comes to goals, so stuff that you are kind of working towards that you are wanting to achieve during the interview is usually a good part point of time to kind of check-in to see how you went, if you have any new goals, or anything else that you need assistance or would like to look at. So last time we spoke to you, your main focus was to pay off the car loan, which you did, so that's great. And other than that, was potentially buy and build a property.\n\nIs that still kind of something that you are working towards? Yep. Perfect. Any other goals that you are working towards, financial or nonfinancial at all?\n\nChannel 1: Yes. No. That's that's that's it. Just\n\nChannel 0: That's it?\n\nChannel 1: just the house. Yep.\n\nChannel 0: Yeah. No. Perfect. And how far along the journey are you? Have you started speaking to, like, a mortgage broker or anything in\n\nChannel 1: No.\n\nChannel 0: regards to any borrowing capacity? No? Okay. If it is that you do need assistance with it when you are wanting to have a look at it, just let us know because we do work closely with some mortgage brokers as well if you do need someone to give you a call to do a bit of a free assessment on your situation as well.\n\nChannel 1: K.\n\nChannel 0: Yep. Now the next thing I do run over there with you, David, is just a bit of an updated risk profile questionnaire. And that is just to see if we need to make any changes to your risk profile in your suit of valuation. Now it is just multiple choice questions, so there is no right or wrong answer. It's just whatever you feel is the most appropriate for you.\n\nDoes that make sense?\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares on the stock market yourself?\n\nChannel 1: Yes.\n\nChannel 0: Yes. You don't have any shares or anything at the moment?\n\nChannel 1: No.\n\nChannel 0: No. Next is in regards to time frame. So do you have any idea at the moment of when you think you would like to start drawing an income from your super or access your super at all?\n\nChannel 1: At the at retirement age.\n\nChannel 0: Okay. So do you think 60 as soon as you can if you stop working?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Okay. So I do have here 67 last time we spoke, so I will just change that to 60 then.\n\nChannel 1: Well, yeah, 67. We're in at 67. That's when we're gonna work to.\n\nChannel 0: Okay. And I have an ideal income per week of about a thousand dollars when you do get $2.67. Is that still achievable,\n\nChannel 1: Yep.\n\nChannel 0: do you think, or do you think you'd need a little bit more?\n\nChannel 1: No. That's fine.\n\nChannel 0: That's fine. Okay. Perfect. Now next is when it comes to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing more, essentially.\n\nNow when it comes to your superannuation, how much risk are you willing to take in order to try to keep up with the rising prices? Would you say that you are willing to take very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: High and moderate.\n\nChannel 0: High to moderate. And if you had to kind of lean towards one of them, which one would you be more inclined to?\n\nChannel 1: Probably high.\n\nChannel 0: High? Okay. And when it comes to volatility, how would you feel if in six months after placing an investment, you found out that your portfolio have decreased in value by 20% due to general trends in the financial market, but not one particular investment that's gone bad, just the market as a whole. Would you, if you had the option to do so, think that now is a good time to potentially put a little bit more money in while the prices are down, Or would you be kind of a bit more neutral, hold and wait to see what happens? Or would you like to shift to a more secure asset?\n\nSo that means you are then selling when the prices have already dropped.\n\nChannel 1: Invest invest more.\n\nChannel 0: Investment? Okay. Perfect. And would you invest heavily or modestly?\n\nChannel 1: Modestly.\n\nChannel 0: Modestly. Great. And when it comes to fluctuations in any assets, so superannuation or any other assets, if they ever fell in value, how did that make you feel? Would you say optimistic about potential future investment opportunities, a bit more kind of neutral, not making further investments, concerns, or highly anxious?\n\nChannel 1: Optimistic.\n\nChannel 0: Optimistic. Perfect. And the last one here is in regards to borrowing money. So, David, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Now that tells me here that you have come out kind of borderline between aggressive and high growth. And at the moment, we have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive investor at all?\n\nChannel 1: Yes?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: How would you describe it?\n\nChannel 1: Invest when when the market's low and, yeah, it's like a high income. I mean, it's quite\n\nChannel 0: Yeah.\n\nChannel 1: a high return. Yeah.\n\nChannel 0: Yeah. Well, yeah, basically. So, essentially, it tells me that you are looking at getting, you know, as much growth out of your superannuation while you still have plenty of time until retirement. But at the same time, someone that is comfortable with your experience, some higher levels of fluctuations in the short term in order to kinda grow your superannuation long term. Now when we are also then looking at a asset allocation to how your money is invested, In a typical aggressive post portfolio, we see about 95 to about a 100% in your growth assets.\n\nSo that will be things like Australian shares, international shares, property, and commodities, and that is what's going to maximize that growth for you. And about five to zero in defensive, like your cash, your gold, your fixed interest. Now the difference then in a high growth, it's about a 10% difference. So you will have about 90 in your growth assets and about 10 in your defenses. Does that make sense so far?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And, also, making sure from a time frame point of view that you have enough time in the market. In an aggressive portfolio, ideally, we would like to leave at least ten years on your retirement for making sure that you have enough time in the market for those short term fluctuations. So from a time frame point of view, you you still have that behind you in a aggressive portfolio.\n\nIf that is still something that you are comfortable with seeing those kind of higher fluctuations with the market, or would you like to look at potentially reducing that down to a high growth? Or what are your thoughts?\n\nChannel 1: No. I'd I'd I'd like to take it as it is.\n\nChannel 0: Yep. Okay. Great. Now, David, do you have access to your emails at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. So what I have done is I have just sent you an email with some documents to go through if you are able to access that for me. That gives you a bit more breakdown of your current super balance and performance and stuff like that as well for your insurance. So if you could click into the email for me.\n\nNow we have this changed software, so it might look a little bit different to what you are potentially used to. But if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything.\n\nChannel 1: So what what's this asking me to to sign up for another year, or what's it asking me to do?\n\nChannel 0: It will only ask you to add the signature, which is the ongoing service fee at the end. But you can click on the link, and that just allows you to view all the documents that I would like to go through with you. You don't\n\nChannel 1: Yep.\n\nChannel 0: have to sign anything until at the end, and only then if you're comfortable with that.\n\nChannel 1: What am I starting exactly?\n\nChannel 0: So I'll show you the document that it will ask you to sign when we get to them because there's quite a few documents and not all of them need signing.\n\nChannel 1: Yeah. Alright. Because I'm I'm I'm looking at switching.\n\nChannel 0: Yep. That's okay. We can have a bit of a talk about that. If you wanna just click on the link for me though, David, it can\n\nChannel 1: Yeah.\n\nChannel 0: show you how your situation is. And if you're not comfortable with it, then I will not get you to find anything at the end.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Then bear with me.\n\nChannel 0: Okay. Perfect. So can you see the first attachment there in the document?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And what does that one say just so that I can go through it in the order that you have it in front of you\n\nChannel 1: Summary\n\nChannel 0: to make it easier?\n\nChannel 1: of paper emulation and insurance.\n\nChannel 0: Yep. Beautiful. So at the moment, you have your you have 24, and you do have a a $105,379 in there. Now you said, obviously, you are looking at potentially changing Superfund?\n\nChannel 1: Hang on. I've got a $105,000 in here. Is that what you're saying?\n\nChannel 0: Yes.\n\nChannel 1: But but when I'm on the website, it says that I've got 250.\n\nChannel 0: Let me have a look at the document for you. Let me just go into your account just to triple check that the documents were prepared correctly for you. Not yet. You are correct. I'm in your account at the moment, and it looks like the document did have incorrect information.\n\nSo I will get the team to update those documents after the call and reissue them for you with the correct information. Now in your account right now, it's 260429. Is that what you see as well?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Sorry. Apologies about that. I will get the team to update that straight away after the call for you. But, yes, you are correct.\n\n260429 is in your, Hub twenty four account at the moment. Now you you did say that you are looking at changing Superfunds. Can I ask, have you started the process or your thought process behind it or where you are looking at going?\n\nChannel 1: I'm looking at going somewhere that doesn't have such high fees.\n\nChannel 0: Okay. So fees is the main kind of consideration? Yes. Yes.\n\nChannel 1: Yes. As well\n\nChannel 0: Yep.\n\nChannel 1: as I I don't know. I I guess I really haven't got a a great experience from Hub twenty four, which can be\n\nChannel 0: Okay. Okay.\n\nChannel 1: and Paul's and people.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: I'm\n\nChannel 1: whatever\n\nChannel 0: sorry to\n\nChannel 1: the the\n\nChannel 0: hear that.\n\nChannel 1: guys they're trying to invest in, it's I understand the markets are going down and and whatever it's done, whatever it's done. But, yeah, I just need to get some clarification into what all these fees are and why they\n\nChannel 0: Yep.\n\nChannel 1: say buy. And, yeah, it's just it's just things have been a little excessive. So\n\nChannel 0: Okay.\n\nChannel 1: I'm just keep on putting more money in there, and you guys just keep taking it out.\n\nChannel 0: Okay. And I'm I'm sorry for us to hear that you've had a not so great experience, especially with communication and stuff. That's the last thing we want. Now when it comes to this fees as well, so hub twenty four is sometimes depends on which industry funds you are looking at, but it can be a little bit more expensive from a platform point of view. And the reason is because it is a little bit more of that sophisticated platform that allows you to do a lot more with the investment.\n\nSo often, obviously, when we are looking at the return on those investments, that tend to still put you in a lot better position after the fee because it gives us that flexibility when it comes to your investment choices. But it can be a little bit more expensive. Now if you are happy for me to do so, it is up to you. I'd be happy to do some some more research on your account, see how much you are like, putting it all into a strategy advice document for you to check exactly the the fees and everything, especially with the investment fees and everything, and compare that to a couple of other industry funds for you, like your more low cost option, and seeing if when we're lower fees that with the investment as well, if that is going to put you in a better position at the end of it. Would you be happy for me to do that, or what are you that?\n\nChannel 1: Yeah. Yeah. Of course. Of course, you can do that. I'm just going through it and, yeah, the fees are just they're just out of hand.\n\nChannel 0: Yeah.\n\nChannel 1: Adviser\n\nChannel 0: And is that mainly\n\nChannel 1: fee.\n\nChannel 0: a hub 24 or the adviser fee or kind of combination of both?\n\nChannel 1: Combination of all of them. And now\n\nChannel 0: Okay.\n\nChannel 1: what's we got a new one, which is a tax liability fee, which is 10,200, advisor fee, portfolio fee. Yeah. It just it just goes on and on. It's it just keeps on getting deducted. So I'm just taking one step forward and two steps backwards.\n\nChannel 0: Yeah. Okay. And, yeah, that's not what we want at the end of the day, and I also have an obligation to follow that best interest duty, which is making sure that the adviser I am recommending for you will put you in a better position. And if I do research on your investments, your hub 24, your adviser fee and everything, and if I can find a more suitable option in another super fund, then I will recommend that for you at the end of the day. But I just want to obviously make sure that I do the research so I can assess everything for you in detail before I do make that recommendation, whatever that might be, as long as it will put you in a better position.\n\nChannel 1: Sure. Okay. Yep. Whatever\n\nChannel 0: Yep.\n\nChannel 1: it is you wanna recommend, but I'll I'll look into other things myself. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'm\n\nChannel 0: Is\n\nChannel 1: just\n\nChannel 0: there\n\nChannel 1: not\n\nChannel 0: any no. And that's is there any specific funds that you have started researching that you would like me to include in that comparison for you?\n\nChannel 1: No. Just just just the general, the Australian server and host parts\n\nChannel 0: Yep.\n\nChannel 1: and aware and I'm I'm looking to them all.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: I was with host parts. That's because of where my the industry I was in.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And I'm waiting for a callback from them today to have a chat and some advice in in what\n\nChannel 0: Okay.\n\nChannel 1: to do, but\n\nChannel 0: Okay.\n\nChannel 1: I feel I'm just not getting anywhere. They passed they passed wild\n\nChannel 0: Okay. Yeah.\n\nChannel 1: They're 20\n\nChannel 0: And with your when you\n\nChannel 1: four.\n\nChannel 0: when you are looking at your Australian Super and Host Plus, are you also looking at your, like, aggressive portfolios as well, or are you comparing yep. Okay. Perfect. That's good. Because sometimes they don't always have your your aggressive.\n\nThey have high growth for sure. But if you are looking at the same kind of risk comparison, because sometimes your more aggressive portfolio can be a little bit more expensive as well because you have a little bit more of that active management. So that is good. So I will factor that in in the research for you anyway. Like, I'll look at also\n\nChannel 1: So\n\nChannel 0: if the\n\nChannel 1: the\n\nChannel 0: host plus\n\nChannel 1: so so\n\nChannel 0: are aware.\n\nChannel 1: just explain to me the the adviser fee is is is to you, to to.\n\nChannel 0: To to Oakview Financial. Yes.\n\nChannel 1: So it's $3,354 a month, and and that's that's that's getting more and more. Okay. And so the port portfolio service fees, what's that? What's that? That's just a normal fee to to have 24?\n\nChannel 0: That's for your investments. So that's for your investment options in Hub twenty four. And\n\nChannel 1: Okay.\n\nChannel 0: with the adviser fee as well, which you will see in the last document later, is I'll get the team to just triple check everything, though, for you just to make sure it's all correct. But the advice fee and why it is going up is because your super balance is going up. So I'm not sure if you remember, obviously, when you when you came on board and did the advice or during last annual review, the advice fee structure And how do I it's still the same, so it hasn't gone up, and that is 1.65% of your super balance. Now as your super balance go up, that fee will go up because it is a percentage of your super balance. Does that make sense?\n\nChannel 1: Yes. So so that's that's to that's to advise the fee.\n\nChannel 0: Correct.\n\nChannel 1: That's\n\nChannel 0: So that's\n\nChannel 1: paying\n\nChannel 0: the only\n\nChannel 1: you guys\n\nChannel 0: fee that\n\nChannel 1: to\n\nChannel 0: we\n\nChannel 1: to manage\n\nChannel 0: get.\n\nChannel 1: it. It's paying you guys to manage manage money.\n\nChannel 0: Correct. Yeah. To manage your investments and insurances and stuff. Yeah.\n\nChannel 1: Okay. And so what's the portfolio service fee? That's that's straight to Hub twenty four.\n\nChannel 0: Correct. That would be for your\n\nChannel 1: Yeah.\n\nChannel 0: investments in\n\nChannel 1: Okay.\n\nChannel 0: Hub 24. Yes.\n\nChannel 1: Okay. And so what about the tax liability?\n\nChannel 0: So that would be let me have a look. I would have to triple check your transaction account to know exactly, but often that would be a contribution. So, obviously, your employer puts contributions in through your superannuation, so that will be taxed because of that, and that would be all the time or if there's any way where you have exceeded the cap spaces. Perhaps 80,000, and you're not making an additional contribution to your employer.\n\nChannel 1: That's right.\n\nChannel 0: Yeah. Then you shouldn't exceed that. So you wouldn't say that. But I can part of the the research just investigate that for you. It's just through Metro and go through all the transactions just to triple check all of that for you.\n\nAnd do you know as well in your hub 24 how you can pull, like, the different reports to see everything as well?\n\nChannel 1: Yeah. You can explain that to me, but but I didn't quite get that answer about the tax liability. What does it mean? Where does it come from? But why do I get charged $1,263?\n\nChannel 0: So that would be taxed from within your superannuation. So I would have to triple check exactly what it is in regards to, and I will let you know. But often, that would be, like, contributions and stuff going into superannuation because of the tax. So that would always be be the case\n\nChannel 1: So\n\nChannel 0: regard\n\nChannel 1: it's tax on top of my super.\n\nChannel 0: tax within your superannuation because contributions and everything going into super is still tax. It is concessionally, but only at 15%.\n\nChannel 1: Okay. So where does that money go to? Is it\n\nChannel 0: It\n\nChannel 1: so\n\nChannel 0: will\n\nChannel 1: where\n\nChannel 0: go\n\nChannel 1: is\n\nChannel 0: through\n\nChannel 1: that?\n\nChannel 0: like, it will be within the hub like, within your super funds. So it will be, like, taxed within within that, that gets paid.\n\nChannel 1: So what is that is that is that is that is that Hub 24 or or IQ? Or where does it go?\n\nChannel 0: Not not not to where you wouldn't get anything. It will be all within the the super fund, and then they would obviously pay tax within the super fund, and then they are liable to pay things to the HEO as well, how that system works.\n\nChannel 1: Okay.\n\nChannel 0: But yeah. No. That would not be to us or anything like that. But I will triple check exactly. I will go through a bit more extensive when I do the research on all your transactions just to make sure that all looks good for you as well.\n\nChannel 1: Okay. Alright. Okay. What what what else needs to be talked about? Are you gonna show me around the site, are you?\n\nChannel 0: Am I what? Sorry?\n\nChannel 1: Gonna show me around how to use the the website?\n\nChannel 0: Yes. I can if you would like to. So in the so what I meant was the report. Sorry. In your hub 24, are you on the account at the moment?\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. So a good way as well, especially to because the good thing with hub twenty four is that gives you all that transparency that you can pull a lot of different reports. So do you have at the top where you have, like, three little dot points? And it will give you, like, a drop down of portfolio, reports, withdrawals, investments.\n\nChannel 1: Yes.\n\nChannel 0: Can you see that? Yep. So where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at. So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction. So there's a lot of really good thing within the Hub 24 app that gives you kind of that transparency when it comes through all your investments and everything like that.\n\nBut talking about your investments, if you go back into the email for me let me see here. Seems like there's, like, a little bit of a glitch here for me. What I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you. But while you are in the portal, we can actually have a look at it, and it's the one that's called performance with IRR. Can you see that little function?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you can pull usually, we look at a twelve month period, but it will allow you to do a lot of different date ranges depending on what you wanna look at. But, typically, for the under review, we do look at a twelve month period. Let me just wait for that to load.\n\nChannel 1: So what's I r r?\n\nChannel 0: Yeah. So that is internal rate of return. Now let me just wait for my computer to load here. It does take a little bit of a minute. Sorry.\n\nJust\n\nChannel 1: R?\n\nChannel 0: bear with me. My computer's leaning a little bit slow here. I'm just trying to download this one. Could you find that function okay on your end?\n\nChannel 1: Nope.\n\nChannel 0: Yeah. Okay. So that one here. So if you through the twelve month period, you will see from the 06/16/2025 through the 06/15/2026. And did it give you a bit of a report, like a PDF version popped down when you clicked on the internal rate of return?\n\nChannel 1: Yep. I've got it at the 07/01/2025 to the 06/12/2026.\n\nChannel 0: Okay. Because I just did the twelve month from today. So just from the June 16 to '25 to 06/15/2026, but I can send you this report after so you have that twelve month report that I'm looking at as well. But to give you kind of an update on your investments and everything like that, now in the last twelve months, this shows you how your return of your investments have been. Now you are obviously in an aggressive portfolio, so we do see a bit of fluctuations because of it, especially when there's a bit of market fluctuations.\n\nNow despite that, though, and I will send you this report, and so I will send you a new updated email afterwards, that tells us that in the last twelve months, now this is just return on your investment. So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months.\n\nChannel 1: Hello?\n\nChannel 0: But I will send you this document so you can have a look at that as well, but it does break down all your investments and how they have performed. Now when I do send it through to you, you will have a bit of a look that most of your investments have done really well. But there is one investment that part of the research I would like to look at swapping for you, and that is your Benelung Australian equity fund. You can probably see even though you have a different time frames, it would be similar where that one is down at the moment. And it can fluctuate because it is a managed fund, but the purpose of it is to actively buy and sell different investments in order to kinda outperform the market.\n\nNow they have done really well and been very successful at doing so, but more recently, they have been a little bit slower in making those decisions. And the investment committee do research all the time on the investment. And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be. So part of the research is that I will consider swapping that one for another option\n\nChannel 1: So which one was it? Better which?\n\nChannel 0: to Ben along Australian equity.\n\nChannel 1: So that I'm listed on here, is it? I I don't have that. I got Better Global, Better SP five hundred, Better Share Nasdaq, Better\n\nChannel 0: Yep.\n\nChannel 1: Share, where is it? It's\n\nChannel 0: Raffy?\n\nChannel 1: yep. RAS\n\nChannel 0: Yep.\n\nChannel 1: Alt. Yep. Is\n\nChannel 0: Yep.\n\nChannel 1: that the one?\n\nChannel 0: So it's the one above that. Sorry. The app the absolute first one.\n\nChannel 1: To which one?\n\nChannel 0: Above\n\nChannel 1: Desktop.\n\nChannel 0: global cybersecurity?\n\nChannel 1: Oh, okay. Australian\n\nChannel 0: Can you\n\nChannel 1: lithium.\n\nChannel 0: see\n\nChannel 1: I don't have anything. The first one is Better Global Cyber.\n\nChannel 0: Okay.\n\nChannel 1: Oh, better\n\nChannel 0: I\n\nChannel 1: long.\n\nChannel 0: was\n\nChannel 1: Here we go. Sorry. Sorry.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Kind of.\n\nChannel 0: Perfect. I was like, I can see it here, but I'll send you these documents anyway in case it's looking different. So, yes, that's the one.\n\nChannel 1: Okay. So then you're saying that that's not doing well.\n\nChannel 0: That one is underperforming a little bit. So I would like through part of the research to consider switching that one for you. But I would like to do the research because I wanna assess especially capital gains tax implications. Every time we do sell an investment, there will be capital gains tax. So I wanna assess all of that for you before I make a recommendation and put it all into a document so you can see exactly what all the potential fees would be, how that would change things from a total overview fee point of view as well as well as the return.\n\nSo I want to do that kind of a bit more extensive, put it all in a document for you if I do find some other options to switch it for and let you know.\n\nChannel 1: Okay.\n\nChannel 0: Yep. But you can see probably the other ones there that you can see that they've done pretty good, and that it, again, is considering that you are in a aggressive portfolio. So see a bit of those short term fluctuations. So, overall, like I said, we've had a bit of, obviously, turbulent in the market. Your portfolio has done really good at 11.84% after fee because\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: where\n\nChannel 0: is\n\nChannel 1: where\n\nChannel 0: what we\n\nChannel 1: are\n\nChannel 0: also\n\nChannel 1: you reading the 11.48%?\n\nChannel 0: so\n\nChannel 1: Where\n\nChannel 0: that is\n\nChannel 1: where\n\nChannel 0: on\n\nChannel 1: are you?\n\nChannel 0: page yep. Sorry. That is a good question. So on page two, now if you have a different time frame on to me, then you will have a different phase. You will have a different result.\n\nSo because my report that I just pulled is twelve months, so 06/16/2025 to 06/15/2026, Where it shows is the second column to the right on page two where it says internal rate of return.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So that will have for me, and I will send you this, like I said, after the email sorry. After the call, I will send you all of documents so you can see exactly all of them, and I can send you a separate fee report as well for the same period so that you can see the exact breakdown of all the fees, how much in the last twelve months was paid as adviser fees and investment fees and account fees and everything. So you can see the full breakdown, but I will include it when I do the the research proposal for you anyway. But then this way, you will have a report of it sooner as well, if that would be helpful for you.\n\nChannel 1: Sure.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: so what about what about the note three? What what what does that mean? Why is that higher?\n\nChannel 0: Note three.\n\nChannel 1: So the far right IRR, internal rate of return,\n\nChannel 0: So for for me, the report I have, it is exactly the same because I have a twelve month period. Now if you've pulled one that's not twelve months, the internal\n\nChannel 1: Annual\n\nChannel 0: rate of return for number two will show you the time frame that you pull the report versus note three is then showing you a twelve month period. So that would be the difference between those. But because I did twelve months, it's exactly the same for me.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So that is a very good question.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Alright. That's good.\n\nChannel 0: Okay. Perfect. Now like I said, David, I will go and do some research on your investment. Put a proposal together for you where you can see everything. Now the other thing is just your insurances as well.\n\nSo you do have some insurances with MetLife. Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund?\n\nChannel 1: No. So explain that to me. Just the insurance this insurance is just insurance for my my desk and so forth. Is that right?\n\nChannel 0: Correct. So you have you have a little bit of everything. So part of the document that I will send you afterwards as well, it will break down all of that in detail for you when the system is cooperating with me. Cooperating with me. Now what you have at the moment, so you have insurances paid from within hub twenty four.\n\nSo if it is that you want to change super funds, you'd have to be mindful of the insurances. Because let's say you cancel hub twenty four, because that is where your MetLife insurances are paid for. If there's no funds for it, they can get canceled unless you change where they get paid from. But what you have at the moment, which, like I said, I will send to you after the call so that you have all that information, is that you have 320,000 worth of life cover. So that is if something were to happen to you and you would pass away, that would then be paid to your kid.\n\nYou also\n\nChannel 1: Yep.\n\nChannel 0: have 320,000 worth of total permanent disability insurance. So that is if something were to happen to you and you were to become totally and permanently disabled and could never go back to work again. That would then be paid up to you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then you also have an income protection policy. Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work. Now that pays you a monthly amount, and that will be $4,900 on a monthly basis. You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid. And then you have a two year benefit period, which means that it will be for a two year up to two years, you could be on this income protection policy for if you are eligible.\n\nDoes that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per.\n\nChannel 1: So you have to pay the 2,020, that that premium to get the payout figure?\n\nChannel 0: What was that? Sorry, David. I you just cut out a little bit for me.\n\nChannel 1: So you'd have to pay the premium of 2,000 whatever you just said to be able to get your your your payout figure of disability\n\nChannel 0: Correct.\n\nChannel 1: or\n\nChannel 0: Correct.\n\nChannel 1: yep.\n\nChannel 0: So every year, you have to pay that 2,320 in order to have that cover in place if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Now\n\nChannel 1: Now\n\nChannel 0: do you have any questions in regards to your insurances? Part of\n\nChannel 1: So\n\nChannel 0: the reason\n\nChannel 1: the\n\nChannel 0: Mhmm.\n\nChannel 1: insurance the insurance comes out of my my my hub 24, my Subaru.\n\nChannel 0: Correct.\n\nChannel 1: Is that right?\n\nChannel 0: Correct. Yes.\n\nChannel 1: So sorry. Could you give me that amount again? 2,000.\n\nChannel 0: 2,320 and 56¢. It will also be on the document that I will reissue to you after the call today so you have it all in writing as well.\n\nChannel 1: That's Netlife Insurance.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Right. Okay.\n\nChannel 0: Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover? Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen?\n\nChannel 1: Yeah. But, I mean, if I wanna be covered for more, I gotta pay more per year.\n\nChannel 0: Correct.\n\nChannel 1: Is that right?\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: You have to pay more. And then because the good thing with the type of cover you have in place, which is why it's it's very different to your standard, like, group cover, that would be, like, your default cover option with, like, or suit for a host plus and stuff. It's very different. The the MetLife insurance is is tailored to you. So when you applied for the cover, you went through a bit of a questionnaire answering your lifestyle, income, health, anything like that.\n\nDo you remember that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Sorry. What that basically was is that you then looked into a contract with MetLife, and they can't just go and change your insurances for you. And anything that would happen to you medically or illness or if you take up a super risky occup a hobby or anything like that, you are covered for. So it gives you that certainty because it's already kind of locked in and put in place.\n\nSo it's very tailored specifically to you. Whereas\n\nChannel 1: Okay.\n\nChannel 0: your standard kind of group cover, they just assess it at the time of claim if you are eligible for the payout depending on your health and occupation and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions when it comes to those insurances there, David?\n\nChannel 1: No. That's fine. I mean, it'd be good to be able to pay less per year, but I don't think you can change that, can you?\n\nChannel 0: I can by reducing how much you will get paid out if something were to happen, but that would basically be the way.\n\nChannel 1: Yep.\n\nChannel 0: So if you if you feel like you don't need 320,000 or that level of income, I can get quotes of reducing it. But, obviously, that would mean that if something were to happen, you're not gonna have as much cover if something were to happen. But that would kind of be the way to reduce the cover, the premium.\n\nChannel 1: Yep. Understand.\n\nChannel 0: Yep. Would you like me to look at getting any quotes, or are you happy for the time being with that amount?\n\nChannel 1: No. I'm happy spending time being with that amount.\n\nChannel 0: Okay. Perfect. Now part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document. It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market. Now you will also have an updated financial services guide.\n\nThat one, you probably would have seen a couple of times. It is just an updated document. It does give you all the important information in regards to us here at Oakview Financial. Gives you some information about the team, our director's advices. Everything is in there for you if you would like to have a bit of a read over it.\n\nThen the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement. But don't sign anything that you have now. I will get that all fixed and updated for you,\n\nChannel 1: Mhmm.\n\nChannel 0: which is the the fee we mentioned, which is then your ongoing service agreement. Now that form is to say that you are happy to stay on as a client, but I'm happy to do, obviously, the research and everything for you first in a bit more detail before, obviously, get you to commit to anything and seeing how you are feeling. And it is not a lock in contract at all. So even if you were to go, okay. After the research, you are happy to stay on for a little bit, it is not a lock in contract.\n\nYou can cancel it whenever you want to. There is no exit fee. And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost. It does come out like you would have seen in your account on a monthly basis. So it is only deducted on a monthly basis for you.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. K. Perfect. Now, David, it will take me about a week or so to put together all of this research for you. So do you have any time sometimes sometime at the end of next week around\n\nChannel 1: Yes.\n\nChannel 0: Wednesday, potentially, for me to give you a call?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Okay. Perfect. Now what I will do as well is when I do call so we don't have the same issue with the phone not coming through, I'll call you twice, and then I will send you if for some reason it doesn't go through, and I will also send you it's usually text or email. What's the the quickest for you usually?\n\nChannel 1: That is fine. It's fine. I've always got my phone.\n\nChannel 0: Okay. Perfect. I will do via the phone, and if there's some issues, I will just try calling twice and try to leave a voice mail. Hopefully, it was just this time around that the phone was having a bit of a glitch. Now Wednesday at the moment, I have afternoon appointment.\n\nDo you have any particular time on Wednesday that would work best for you? So that'll be Wednesday, the twenty fourth.\n\nChannel 1: No. Whatever time suits.\n\nChannel 0: Okay.\n\nChannel 1: What what time have you got?\n\nChannel 0: Let me see. I could do 02:00. Would that be okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yes. Okay. Perfect. Well, I booked that in on Wednesday, June 24 at 2PM for you. I will do, like I said, a bit more in-depth in regards to all the fees, performance, and everything like that.\n\nPut a bit of a proposal together if I feel like we should change anything. Part of the research, like I said, I will also consider a range of different industry funds to show you would, okay, if you do wanna go to host plus or super, what's going to be the tax that you potentially have to pay to move? What are the fees and what are the returns so that you can have all the information in front of you before you do make a decision on what you would like to do moving forward? Yep.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Like I said as well, I will get the team to send you a new document. So it'd be a new digital link. Again, it will allow you so when you click on the link, it's not going to ask you to sign right away. You can see all the documents that I kind of went through today. The performance, it will show you the the super balance and your insurances and everything.\n\nSo you're welcome to go and have a look at that as well. And if you have any further questions, just give me a call. But, otherwise, I will give you a call on Wednesday, June 24 at 2PM.\n\nChannel 1: Yep. That's fine. And so how how does this document that was sent to us incorrect? It was with the 01/5000\n\nChannel 0: I\n\nChannel 1: of\n\nChannel 0: would\n\nChannel 1: the token\n\nChannel 0: I\n\nChannel 1: 3\n\nChannel 0: would\n\nChannel 1: and\n\nChannel 0: have\n\nChannel 1: 50.\n\nChannel 0: to just check with the team who prepared the documents. So I'll go and speak to them after the call today and just triple check that for you.\n\nChannel 1: Yeah. But it is so so it's just going back to the amount that I had in my super.\n\nChannel 0: Mhmm.\n\nChannel 1: Can you just reiterate that for us? And I just need\n\nChannel 0: Yes.\n\nChannel 1: to go back to my how do I get back to my my graph? Is that in account menu?\n\nChannel 0: So, usually, if you just click on home, it should take you back to, like, your home screen.\n\nChannel 1: Sorry. Usually.\n\nChannel 0: Yes. But 260429.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. But I will put that I will get there. I will go and speak to the team and get those updated. So I will cancel the one that I have sent you at the moment. So, obviously, don't do anything with that.\n\nI'll go and cancel it, and I will get it reissued through you. You should have it within the next thirteen minutes in your inbox. So keep a little lookout for that one. Like I said, it will ask you to click on the link again. You can still view all the documents, and it's not going to get you to sign anything until the end, but you don't have to.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Now just going back to you wanting to change my Australian investment. How do I\n\nChannel 0: The\n\nChannel 1: get\n\nChannel 0: Benelon\n\nChannel 1: back to them?\n\nChannel 0: potentially. Yep.\n\nChannel 1: Yeah. How do I get back to my my cash statement?\n\nChannel 0: Where we were, like, looking at the transactions.\n\nChannel 1: Yeah. Is\n\nChannel 0: So\n\nChannel 1: it in\n\nChannel 0: if\n\nChannel 1: account?\n\nChannel 0: you go if you go into those three little dot points again, it should have account reports. Or even on the home\n\nChannel 1: Oh,\n\nChannel 0: screen,\n\nChannel 1: no.\n\nChannel 0: sometimes\n\nChannel 1: No. No. Yep.\n\nChannel 0: you can scroll down.\n\nChannel 1: Yeah. I found it. So a cash statement.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Text liability. Yep. Okay. Something like that.\n\nOkay. Reports. So what you're you're saying that you want to change that,\n\nChannel 0: Potentially,\n\nChannel 1: But\n\nChannel 0: but I'd need to do the research before I can tell you what I\n\nChannel 1: yeah.\n\nChannel 0: suggest that you\n\nChannel 1: And\n\nChannel 0: do.\n\nChannel 1: so\n\nChannel 0: Yes.\n\nChannel 1: so so so your reasoning for wanting to change that is that it because it's not performing well?\n\nChannel 0: Yes. So from the investment committee, because they obviously\n\nChannel 1: Mhmm.\n\nChannel 0: do research on the investments all the time, is that it has been underperforming a little bit recently. And if that is the case,\n\nChannel 1: Okay.\n\nChannel 0: then we want to go and do more research on the investment. But I won't say, obviously, do this or do that without putting everything putting a formal recommendation together and do all that research with, you know, the fees and the returns and capital gains tax and everything before I tell you what I think we should do.\n\nChannel 1: Okay. So,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, from from from reading it, I mean, it says the the market value at the start of period is 39 and now it's at 32. So that's the that's the drop that you're talking about.\n\nChannel 0: So the one that I can see here is when I just looked at the twelve month period. So we can see that even on, like, the gain and losses, you can see that it is, yeah, down a little bit, but all the other ones are positive. But it's just enough for me to go, okay. Well, we wanna go and investigate a little bit more just to make sure we have you in the best option. Because if we when the investment sorry?\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. So we wanna make sure I do a bit more in-depth in regards to that investment to make sure it's still going to be the best one for you. Because sometimes if an investment is down, if it's a bit of, like, a cyclical trend with what is going on, we don't also wanna sell when things are down if we proceed coming back around. But if we see that there's going to be potentially other best options that's going to, you know, improve their returns and especially those fees that you're talking about, if I can find something that's cheaper and still still give you a similar outcome, then I wanna assess that for you to try and to reduce those fees as much as possible by not compromising on the returns and your retirement\n\nChannel 1: Yep.\n\nChannel 0: outcome.\n\nChannel 1: Yep. So can\n\nChannel 0: Yep.\n\nChannel 1: you just run through it with me, like, that performance sheet that you're talking about? So I think\n\nChannel 0: Yes.\n\nChannel 1: the start there, we've got the market value at the start of period. So that's\n\nChannel 0: Yep.\n\nChannel 1: how much we that's how much we bought it for. Is that right? That's 80\n\nChannel 0: Let me check. 39,784\n\nChannel 1: nine\n\nChannel 0: is what I have in front of me.\n\nChannel 1: thousand? Oh, that's\n\nChannel 0: But\n\nChannel 1: because\n\nChannel 0: if you have\n\nChannel 1: you're\n\nChannel 0: a different different times yeah.\n\nChannel 1: but they seem to be the same. Like, market value and start up period. Does that does that mean that means what we brought it for? Is that right?\n\nChannel 0: Well, that much that was how much you had in that investment option at the start of that period. Now the start\n\nChannel 1: Right.\n\nChannel 0: of my period was June 16. So, obviously, if you had\n\nChannel 1: Yep.\n\nChannel 0: a different start period, it will be like that was how much you had invested in that investment option at the\n\nChannel 1: Okay. And so and then moving along, it says buys in period.\n\nChannel 0: time. Mhmm.\n\nChannel 1: Explain that to me.\n\nChannel 0: So that was how much what was bought into that investment for you?\n\nChannel 1: Right. And then the sales in period, so so we obviously haven't sold anything.\n\nChannel 0: Yep. Correct.\n\nChannel 1: And then the market value at end of period, so that's that's to now.\n\nChannel 0: Correct.\n\nChannel 1: That's how much we've got that's how much I've got in there.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Okay. And then the incoming period\n\nChannel 0: Yep.\n\nChannel 1: is\n\nChannel 0: Will\n\nChannel 1: the\n\nChannel 0: be income derived from those investments.\n\nChannel 1: sorry. Say that again?\n\nChannel 0: That's income derived from those investments.\n\nChannel 1: Okay.\n\nChannel 0: And it\n\nChannel 1: So it's only 325. And then tax file tax file number amounts withheld. There's there's nothing\n\nChannel 0: Yep.\n\nChannel 1: there.\n\nChannel 0: Correct. Yep.\n\nChannel 1: So growth in period,\n\nChannel 0: Yep.\n\nChannel 1: explain that.\n\nChannel 0: That's growth on your investments.\n\nChannel 1: Okay. So because it's in brackets, does that mean that's a negative?\n\nChannel 0: Correct. Yes. So bracket means it's negative, and if there's no bracket, that means it's positive.\n\nChannel 1: Okay. And so total earnings, we've we've lost 7,760\n\nChannel 0: Correct.\n\nChannel 1: We know\n\nChannel 0: Yes.\n\nChannel 1: yours is differently.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: So that's why I do wanna look into that one in a little bit more detail for you.\n\nChannel 1: Okay. And so is there is there a particular amount of stock or shares that we have to have? So, like, can we just so we've got 12345678\n\nChannel 0: Mhmm.\n\nChannel 1: altogether.\n\nChannel 0: Yep.\n\nChannel 1: But do we have to have eight, or do we just can we just have one, or do we have to have a certain amount?\n\nChannel 0: No. You don't have to at all. It's obviously when we put together the portfolio, there's a lot of things that goes into putting a portfolio together. And a lot of it first is making sure that we align with your risk profile. So that aggressive that we do wanna have majority of your fund in your growth investment.\n\nAnd then you wanna also make sure you look at a lot of diversification and if that elements through the. If you have everything in, let's say, one investment option, obviously, it's not very diversified. So let's say if everything was in bed along, then, obviously, that would have you know, when it's doing really good, it's doing really, really good. But when it's doing not so good, like, at the moment, then that would mean that everything will be in that investment option. So we wanna make sure we diversify things for you.\n\nSo if something happens to one investment, it spreads out that risk. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. Definitely. So\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Yeah.\n\nChannel 1: there's no limit to the amount of shares that we we can invest in.\n\nChannel 0: No. You the good thing with Hub twenty four is that there's hundreds of different options if you wanted to. But then at the same time, you know, we we consider, well, it might not be worth having, like, a\n\nChannel 1: Yep.\n\nChannel 0: $2 in one investment option. Sorry. There's a lot that goes into it, but, no, we'd have 24. There's no restrictions on how many investment options.\n\nChannel 1: Yep.\n\nChannel 0: There are sometimes limitations on how much you can have in one investment option. So some of the investment options have a cap where you can only have, let's say, 30% invested in there till 35%. Some has 40. Some has less depending on what the investment option are of how much you can have into one particular option.\n\nChannel 1: Mhmm. And so if I turned around to you and said, I'd I'd like to remove all of my then along with saying equity funds and and move\n\nChannel 0: Mhmm.\n\nChannel 1: them all into lithium or\n\nChannel 0: Mhmm.\n\nChannel 1: or NASDAQ or whatever, then\n\nChannel 0: Yep.\n\nChannel 1: you you you can just do that for\n\nChannel 0: Yes. So if you so there's two ways when we do advise. So, obviously, we I wanna make sure we do the research and recommend whatever is going to be the best for you and assess everything in detail. At the same time, if there's something specifically that you want so let's say you tell me, I just want to sell out of Benelung, and I wanna put everything in and I don't want advice, then we can do it under a transaction without advice. And that's just to say that you have requested for this to take place without us providing advice whether that will be a good or bad option.\n\nChannel 1: Mhmm. And is there a particular rule as to which we have to have? Like, do we have to have one\n\nChannel 0: No.\n\nChannel 1: Chinese? Do we have to have one Australian?\n\nChannel 0: Nope.\n\nChannel 1: Do we have to No.\n\nChannel 0: Nope. No. It's just when the portfolio manager put together the portfolios, they obviously wanna make sure they obviously have a different philosophy on how they put together everything. And part of it, again, is diversification, different industries, different sectors, different emerging markets when they put together the portfolio. But there is no you must have at all.\n\nThe only thing is that there is a cash balance on the account. The hub twenty four does require a minimum cash balance of 1 to 5¢ on your super, and that is just for, you know, fees insurances and stuff like that. But other than that, no. There's no you have to have any particular investment at all.\n\nChannel 1: Right. Now that was the first thing that popped up when I opened up the website,\n\nChannel 0: Mhmm.\n\nChannel 1: that I don't have a 1.25, account balance.\n\nChannel 0: Percent? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So that that does change all the time depending on when fees come out, when insurances come out, when your contributions go in, and when it gets invested. So with the hub 24, they automatically adjust all of that as things kind of go into your account, but also as investments fluctuate. So if you ever get, like, a report from them saying there's too little cash or anything like that, you don't have to worry about it because it's all set in the back end, and it all evens out with everything for you.\n\nChannel 1: Okay. So the warning\n\nChannel 0: Yeah.\n\nChannel 1: time that I have in front of me right now, warning\n\nChannel 0: Mhmm.\n\nChannel 1: your cash account balance is low. The minimum cash account balance is required at any time is 1.25 of your account\n\nChannel 0: Yep.\n\nChannel 1: balance.\n\nChannel 0: Yep.\n\nChannel 1: So what? You're just saying that I should ignore that?\n\nChannel 0: You don't have to worry about it because it gets evened out in the back end, and the team who manages everything do have all of that that they're aware of. So it\n\nChannel 1: Okay.\n\nChannel 0: this is something that they sent to let you know, but it does automatically it evens it out for you. So, yes, you\n\nChannel 1: Okay.\n\nChannel 0: don't\n\nChannel 1: Okay. You\n\nChannel 0: have\n\nChannel 1: don't\n\nChannel 0: to\n\nChannel 1: have\n\nChannel 0: stress\n\nChannel 1: to worry\n\nChannel 0: or worry about that one.\n\nChannel 1: about that one. What was I gonna say? Now is there any restrictions on investing in crypto or what what what as we're talking about restrictions for which ones you can invest in, what is it not preferred? What's what's what?\n\nChannel 0: Hub twenty four\n\nChannel 1: Twenty four.\n\nChannel 0: don't do straight into crypto. The only investment option that they have into there is the one they have one investment option that's called crypto. It's not directly into crypto, but it does\n\nChannel 1: Mhmm.\n\nChannel 0: invest in companies who does invest in crypto.\n\nChannel 1: Yeah.\n\nChannel 0: That is kind of the only option available in Hub twenty four.\n\nChannel 1: Mhmm.\n\nChannel 0: It's something I can consider for you. Typically, it's not something we'd like too too much because there's not actually underlying assets, and it's very\n\nChannel 1: Yep.\n\nChannel 0: it fluctuates a lot. But if\n\nChannel 1: Yeah.\n\nChannel 0: that is something that you specifically tell me, I\n\nChannel 1: Yep.\n\nChannel 0: want this\n\nChannel 1: No.\n\nChannel 0: as Mike, then we can look at it. But\n\nChannel 1: No.\n\nChannel 0: does\n\nChannel 1: I'll\n\nChannel 0: that answer\n\nChannel 1: I'll\n\nChannel 0: that question?\n\nChannel 1: yeah. Yeah. Yeah. Definitely. I just\n\nChannel 0: Yeah.\n\nChannel 1: thought I'd I'd ask that question.\n\nChannel 0: Yeah. No.\n\nChannel 1: Maybe\n\nChannel 0: Yeah. Of course.\n\nChannel 1: that's probably something I can do personally. But just\n\nChannel 0: Yeah.\n\nChannel 1: going through what I've got. So Global Fiber ETS units.\n\nChannel 0: Yep.\n\nChannel 1: So what can you just explain what I'm investing in there with cyber?\n\nChannel 0: Yeah. So there's there's a lot of different options. So within each of your investment options, some of them have hundreds and hundreds of underlying investment options. So when I go through the research with you, I can, part of it, give you all that research material if you would like to know all of it because there's a lot. Sorry.\n\nChannel 1: Okay.\n\nChannel 0: It's not like one option. It's in one company. Like,\n\nChannel 1: Yep.\n\nChannel 0: for example, the usually, the easiest one is can you see let me see here if I can get it up for you again. Just bear with me. You see the beta s p 500 equal?\n\nChannel 1: Yep.\n\nChannel 0: So the one that says yep. For example, that one invests in 500 companies.\n\nChannel 1: Yes. Okay.\n\nChannel 0: So very diversified. So, again, when I reassess the investments for you, I can make sure that I also provide all the research materials for all of them and that we spend a little bit of extra time onto the investment for, you know, what's exactly into all of them. And like I said, I can give you all the research reports for every single one of them and what's included in all of them because there's there's a lot.\n\nChannel 1: Yep. No. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: that's alright. So those\n\nChannel 0: Yeah.\n\nChannel 1: seven, other than the the Benelon, are all groups as such. They're not just one.\n\nChannel 0: Mhmm. Yes. Exactly. They're all ETFs. So they\n\nChannel 1: Yep.\n\nChannel 0: all it's not just, like, one company. No. It's\n\nChannel 1: Yep.\n\nChannel 0: not. Yep.\n\nChannel 1: So they're all all yeah. They're all ETFs,\n\nChannel 0: Yeah.\n\nChannel 1: obviously.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: And what except for Global Expatriatex and Lithium, is that is that just one company or is that an ETF?\n\nChannel 0: That's also an ETF. So all of them is ETF aside from that Benelon at the\n\nChannel 1: Yep.\n\nChannel 0: top, which is your\n\nChannel 1: Yep.\n\nChannel 0: managed funds. Yeah.\n\nChannel 1: Yep. Okay. Okay. And so when you're talking about changing from Ben along, I mean, are you I think you said you're gonna send an email to tell me what it is you you did your research and tell her tell me what it is you're going to change. Mhmm.\n\nChannel 0: Correct. So so on Wednesday, I'll go through with you over the phone as well so then we can\n\nChannel 1: Okay.\n\nChannel 0: talk about it as well. Because I wanna make sure I go through all of it with you, but I will also send you a document at the same time and go through it together. And part of that is I'll point out if I do suggest that we change anything, which one it is and why. So\n\nChannel 1: Yep.\n\nChannel 0: so you have that document in front of you at the same time as I go through it with you, and you obviously have time after the call to have a read over as well because I don't wanna occupy too much of your time either.\n\nChannel 1: Yep. No. That's that's that's\n\nChannel 0: Yeah.\n\nChannel 1: fine. No worries\n\nChannel 0: Yeah.\n\nChannel 1: at all.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. Yep. That's great. Thank you\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: No. That's okay. So just to recap, David, I will give you a call on Wednesday, June 24 at 2PM.\n\nChannel 1: that.\n\nChannel 0: And if I\n\nChannel 1: Yep.\n\nChannel 0: have the same issue with the phone, I'll just try to call you twice. Hopefully, it was just a bit of a glitch right now, or I'll try from one of my colleague's phones as well\n\nChannel 1: Yep.\n\nChannel 0: just to just to make sure, but I will call you. And after the call, I will also, within about thirty minutes, keep a look at your inbox, and I will get the team to reissue those documents that I kind of went through over with you today because the system seems to have a bit of a glitch, and I'll go and talk to them as well and triple check that information before we send it to you.\n\nChannel 1: Great. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Thank you very much for that.\n\nChannel 0: No. That is no problem at all.\n\nChannel 1: Yep. And obviously, the downturn that happened in April 2026, the drop in my super,\n\nChannel 0: Yep.\n\nChannel 1: That was obviously due to everything that happened around the world.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yep. Okay. Yep. Alright.\n\nChannel 0: Beautiful.\n\nChannel 1: Thank you very much for your time.\n\nChannel 0: No. That is no problem at all. Thank you so much for your time today, David. And\n\nChannel 1: Yep.\n\nChannel 0: I look forward to speaking with you next Wednesday, the twenty fourth as well. But if you need anything\n\nChannel 1: Great.\n\nChannel 0: in the meantime or have any other questions, don't hesitate to call the office or send me an email. Okay?\n\nChannel 1: No worries. Thank you, Veronica.\n\nChannel 0: No problem at all. We'll speak next week.\n\nChannel 1: Okay. Thanks. Bye bye.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.2057497203350067},{"text":"This is Monica speaking.","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.1100742518901825}],"sentiment":"neutral","sentiment_score":0.1419660747051239,"channel":0,"num_words":6,"start":1.4399999,"end":3.3},{"sentences":[{"text":"Hi, Veronica.","start":5.04,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.12632399052381516},{"text":"It's Dave Newan calling.","start":5.92,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1340782381594181}],"sentiment":"neutral","sentiment_score":0.13149348894755045,"channel":1,"num_words":6,"start":5.04,"end":7.3799996},{"sentences":[{"text":"Hi.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.21108278632164},{"text":"How are 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about 25,000.","start":279.52,"end":286.975,"sentiment":"neutral","sentiment_score":0.09378865733742714}],"sentiment":"neutral","sentiment_score":0.10542221877135728,"channel":0,"num_words":19,"start":276.4,"end":286.975},{"sentences":[{"text":"Yep.","start":287.69,"end":288.19,"sentiment":"neutral","sentiment_score":0.057087671011686325}],"sentiment":"neutral","sentiment_score":0.057087671011686325,"channel":1,"num_words":1,"start":287.69,"end":288.19},{"sentences":[{"text":"Yep.","start":288.715,"end":289.195,"sentiment":"neutral","sentiment_score":0.07683002948760986},{"text":"Perfect.","start":289.195,"end":289.695,"sentiment":"neutral","sentiment_score":0.18503105640411377},{"text":"And about 4,000 owing on it.","start":289.83502,"end":292.475,"sentiment":"neutral","sentiment_score":0.06832568782071273},{"text":"Is that correct as well?","start":292.475,"end":294.015,"sentiment":"neutral","sentiment_score":0.0626311406493187}],"sentiment":"neutral","sentiment_score":0.07576699354327641,"channel":0,"num_words":13,"start":288.715,"end":294.015},{"sentences":[{"text":"No.","start":295.03497,"end":295.275,"sentiment":"neutral","sentiment_score":-0.12451420724391936},{"text":"That's paid off.","start":295.275,"end":296.335,"sentiment":"neutral","sentiment_score":-0.13625551760196686}],"sentiment":"neutral","sentiment_score":-0.133320190012455,"channel":1,"num_words":4,"start":295.03497,"end":296.335},{"sentences":[{"text":"That's paid off?","start":296.51,"end":297.23,"sentiment":"neutral","sentiment_score":-0.05097039292256037},{"text":"Okay.","start":297.23,"end":297.71,"sentiment":"neutral","sentiment_score":0.050706684589385986},{"text":"Perfect.","start":297.71,"end":298.11,"sentiment":"neutral","sentiment_score":0.16060861945152283},{"text":"I'll update that.","start":298.11,"end":299.17,"sentiment":"neutral","sentiment_score":0.12546064456303915},{"text":"Now have you had any other changes in regards to your assets at all there?","start":300.27,"end":307.25,"sentiment":"neutral","sentiment_score":0.0198639128357172}],"sentiment":"neutral","sentiment_score":0.03185846745643927,"channel":0,"num_words":23,"start":296.51,"end":307.25},{"sentences":[{"text":"No.","start":307.76,"end":308.26,"sentiment":"neutral","sentiment_score":-0.13437384366989136}],"sentiment":"neutral","sentiment_score":-0.13437384366989136,"channel":1,"num_words":1,"start":307.76,"end":308.26},{"sentences":[{"text":"No.","start":308.79498,"end":309.115,"sentiment":"neutral","sentiment_score":-0.11563774943351746},{"text":"Perfect.","start":309.115,"end":309.615,"sentiment":"neutral","sentiment_score":0.0032009370625019073},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":310.79498,"end":316.01498,"sentiment":"neutral","sentiment_score":-0.032962282653898},{"text":"That's still the case as well?","start":316.235,"end":317.775,"sentiment":"neutral","sentiment_score":-0.014177472330629826}],"sentiment":"neutral","sentiment_score":-0.03020409036738177,"channel":0,"num_words":24,"start":308.79498,"end":317.775},{"sentences":[{"text":"Yes.","start":318.24002,"end":318.74002,"sentiment":"neutral","sentiment_score":0.03292471170425415}],"sentiment":"neutral","sentiment_score":0.03292471170425415,"channel":1,"num_words":1,"start":318.24002,"end":318.74002},{"sentences":[{"text":"Yep.","start":319.275,"end":319.51498,"sentiment":"neutral","sentiment_score":0.045612625777721405},{"text":"Perfect.","start":319.51498,"end":319.995,"sentiment":"neutral","sentiment_score":0.12822386622428894},{"text":"And have you had any changes to your health, any significant health issues or injuries or anything in the last twelve months or all going","start":319.995,"end":328.41,"sentiment":"neutral","sentiment_score":-0.02919506683945656}],"sentiment":"neutral","sentiment_score":-0.020594080703126058,"channel":0,"num_words":27,"start":319.275,"end":328.41},{"sentences":[{"text":"No.","start":328.30502,"end":328.80502,"sentiment":"neutral","sentiment_score":-0.3210192918777466}],"sentiment":"neutral","sentiment_score":-0.3210192918777466,"channel":1,"num_words":1,"start":328.30502,"end":328.80502},{"sentences":[{"text":"good?","start":328.41,"end":328.91,"sentiment":"neutral","sentiment_score":-0.19552677869796753}],"sentiment":"neutral","sentiment_score":-0.19552677869796753,"channel":0,"num_words":1,"start":328.41,"end":328.91},{"sentences":[{"text":"No.","start":329.345,"end":329.845,"sentiment":"neutral","sentiment_score":-0.27904510498046875},{"text":"No.","start":330.14502,"end":330.64502,"sentiment":"neutral","sentiment_score":-0.252634733915329}],"sentiment":"neutral","sentiment_score":-0.26583991944789886,"channel":1,"num_words":2,"start":329.345,"end":330.64502},{"sentences":[{"text":"Perfect.","start":330.33,"end":330.83,"sentiment":"neutral","sentiment_score":-0.0528465174138546},{"text":"And estate planning wise, now, David, do you have a will in place or power of attorney or anything like that?","start":332.17,"end":340.705,"sentiment":"neutral","sentiment_score":0.015508025529838744}],"sentiment":"neutral","sentiment_score":0.012401000850579956,"channel":0,"num_words":22,"start":330.33,"end":340.705},{"sentences":[{"text":"No.","start":341.17,"end":341.67,"sentiment":"neutral","sentiment_score":-0.12322841584682465}],"sentiment":"neutral","sentiment_score":-0.12322841584682465,"channel":1,"num_words":1,"start":341.17,"end":341.67},{"sentences":[{"text":"No.","start":342.125,"end":342.625,"sentiment":"neutral","sentiment_score":-0.09846028685569765},{"text":"When it comes to superannuation, though, I do have two nominations on file.","start":343.645,"end":348.785,"sentiment":"neutral","sentiment_score":0.030884929574452914},{"text":"So both for your children, 50% to Hendrick and 50% to Shelby.","start":349.66998,"end":354.38998,"sentiment":"neutral","sentiment_score":0.057445443545778595},{"text":"That's still the case as well?","start":354.38998,"end":355.84998,"sentiment":"neutral","sentiment_score":0.07391105592250824}],"sentiment":"neutral","sentiment_score":0.04487048299051821,"channel":0,"num_words":32,"start":342.125,"end":355.84998},{"sentences":[{"text":"Correct.","start":356.255,"end":356.755,"sentiment":"neutral","sentiment_score":0.1918645352125168}],"sentiment":"neutral","sentiment_score":0.1918645352125168,"channel":1,"num_words":1,"start":356.255,"end":356.755},{"sentences":[{"text":"Yep.","start":357.18997,"end":357.68997,"sentiment":"positive","sentiment_score":0.3678974509239197},{"text":"Great.","start":357.75,"end":358.25,"sentiment":"positive","sentiment_score":0.7373147010803223},{"text":"Now when it comes to goals, so stuff that you are kind of working towards that you are wanting to achieve during the interview is usually a good part point of 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in","start":406.14,"end":409.98,"sentiment":"neutral","sentiment_score":-0.0072878089267760515}],"sentiment":"neutral","sentiment_score":0.018813411462242188,"channel":0,"num_words":23,"start":401.805,"end":409.98},{"sentences":[{"text":"No.","start":409.965,"end":410.465,"sentiment":"neutral","sentiment_score":-0.07047265022993088}],"sentiment":"neutral","sentiment_score":-0.07047265022993088,"channel":1,"num_words":1,"start":409.965,"end":410.465},{"sentences":[{"text":"regards to any borrowing capacity?","start":409.98,"end":411.5,"sentiment":"neutral","sentiment_score":-0.1069354921579361},{"text":"No?","start":411.5,"end":411.82,"sentiment":"neutral","sentiment_score":-0.07392667979001999},{"text":"Okay.","start":411.82,"end":412.32,"sentiment":"neutral","sentiment_score":0.0016224998980760574},{"text":"If it is that you do need assistance with it when you are wanting to have a look at it, just let us know because we do work closely with some mortgage brokers as well if you do need someone to give you a call to do a bit of a free assessment on your situation as well.","start":412.62,"end":427.95502,"sentiment":"neutral","sentiment_score":0.09137081643887635}],"sentiment":"neutral","sentiment_score":0.07219270327343391,"channel":0,"num_words":65,"start":409.98,"end":427.95502},{"sentences":[{"text":"K.","start":429.32,"end":429.82,"sentiment":"neutral","sentiment_score":0.0852644294500351}],"sentiment":"neutral","sentiment_score":0.0852644294500351,"channel":1,"num_words":1,"start":429.32,"end":429.82},{"sentences":[{"text":"Yep.","start":430.33502,"end":430.83502,"sentiment":"neutral","sentiment_score":0.14603930711746216},{"text":"Now the next thing I do run over there with you, David, is just a bit of an updated risk profile questionnaire.","start":431.61502,"end":436.65,"sentiment":"neutral","sentiment_score":0.14611543477936226},{"text":"And that is just to see if we need to make any changes to your risk profile in your suit of 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superannuation?","start":541.38,"end":551.8,"sentiment":"neutral","sentiment_score":-0.06153545026545939}],"sentiment":"neutral","sentiment_score":-0.05074420930076467,"channel":0,"num_words":49,"start":530.755,"end":551.8},{"sentences":[{"text":"High and moderate.","start":553.56,"end":554.38,"sentiment":"neutral","sentiment_score":-0.027926364292701084}],"sentiment":"neutral","sentiment_score":-0.027926364292701084,"channel":1,"num_words":3,"start":553.56,"end":554.38},{"sentences":[{"text":"High to moderate.","start":555.265,"end":556.145,"sentiment":"neutral","sentiment_score":-0.02086232230067253},{"text":"And if you had to kind of lean towards one of them, which one would you be more inclined to?","start":556.145,"end":560.645,"sentiment":"neutral","sentiment_score":-0.03400757918134332}],"sentiment":"neutral","sentiment_score":-0.032292980457777565,"channel":0,"num_words":23,"start":555.265,"end":560.645},{"sentences":[{"text":"Probably high.","start":561.0,"end":561.9,"sentiment":"neutral","sentiment_score":-0.030050795525312424}],"sentiment":"neutral","sentiment_score":-0.030050795525312424,"channel":1,"num_words":2,"start":561.0,"end":561.9},{"sentences":[{"text":"High?","start":562.385,"end":562.885,"sentiment":"neutral","sentiment_score":-0.026075636968016624},{"text":"Okay.","start":562.945,"end":563.445,"sentiment":"neutral","sentiment_score":-0.02837979421019554},{"text":"And when it comes to volatility, how would you feel if in six months after placing an investment, you found out that your portfolio have decreased in value by 20% due to general trends in the financial market, but not one particular investment that's gone bad, just the market as a whole.","start":565.19995,"end":585.34503,"sentiment":"neutral","sentiment_score":-0.15840838763576287},{"text":"Would you, if you had the option to do so, think that now is a good time to potentially put a little bit more money in while the prices are down, Or would you be kind of a bit more neutral, hold and wait to see what happens?","start":585.80505,"end":598.07996,"sentiment":"neutral","sentiment_score":-0.05686374055221677},{"text":"Or would you like to shift to a more secure asset?","start":598.94,"end":602.31995,"sentiment":"neutral","sentiment_score":-0.0583444552665407}],"sentiment":"neutral","sentiment_score":-0.10321185966970119,"channel":0,"num_words":113,"start":562.385,"end":602.31995},{"sentences":[{"text":"So that means you are then selling when the prices have already dropped.","start":602.69995,"end":605.83997,"sentiment":"neutral","sentiment_score":-0.06395923288968894}],"sentiment":"neutral","sentiment_score":-0.06395923288968894,"channel":0,"num_words":13,"start":602.69995,"end":605.83997},{"sentences":[{"text":"Invest invest more.","start":608.04,"end":609.33997,"sentiment":"neutral","sentiment_score":-0.01629681388537089}],"sentiment":"neutral","sentiment_score":-0.01629681388537089,"channel":1,"num_words":3,"start":608.04,"end":609.33997},{"sentences":[{"text":"Investment?","start":609.775,"end":610.275,"sentiment":"neutral","sentiment_score":0.00934990681707859},{"text":"Okay.","start":610.575,"end":610.895,"sentiment":"neutral","sentiment_score":0.07271802425384521},{"text":"Perfect.","start":610.895,"end":611.395,"sentiment":"neutral","sentiment_score":0.1476508378982544},{"text":"And would you invest heavily or modestly?","start":611.775,"end":614.435,"sentiment":"neutral","sentiment_score":0.05744641859616552}],"sentiment":"neutral","sentiment_score":0.06318436991423368,"channel":0,"num_words":10,"start":609.775,"end":614.435},{"sentences":[{"text":"Modestly.","start":615.48,"end":615.98,"sentiment":"neutral","sentiment_score":0.05455855280160904}],"sentiment":"neutral","sentiment_score":0.05455855280160904,"channel":1,"num_words":1,"start":615.48,"end":615.98},{"sentences":[{"text":"Modestly.","start":616.41504,"end":616.91504,"sentiment":"neutral","sentiment_score":0.1268865019083023},{"text":"Great.","start":617.135,"end":617.635,"sentiment":"neutral","sentiment_score":0.24341630935668945},{"text":"And when it comes to fluctuations in any assets, so superannuation or any other assets, if they ever fell in value, how did that make you feel?","start":620.67004,"end":631.665,"sentiment":"neutral","sentiment_score":0.028485578208885812},{"text":"Would you say optimistic about potential future investment opportunities, a bit more kind of neutral, not making further investments, concerns, or highly anxious?","start":631.805,"end":643.345,"sentiment":"neutral","sentiment_score":0.2199028957149257}],"sentiment":"neutral","sentiment_score":0.11917653892977306,"channel":0,"num_words":52,"start":616.41504,"end":643.345},{"sentences":[{"text":"Optimistic.","start":646.47,"end":646.97,"sentiment":"positive","sentiment_score":0.35239672660827637}],"sentiment":"positive","sentiment_score":0.35239672660827637,"channel":1,"num_words":1,"start":646.47,"end":646.97},{"sentences":[{"text":"Optimistic.","start":647.76,"end":648.26,"sentiment":"positive","sentiment_score":0.5567545294761658},{"text":"Perfect.","start":648.88,"end":649.38,"sentiment":"positive","sentiment_score":0.6168259382247925},{"text":"And the last one here is in regards to borrowing money.","start":649.92,"end":652.82,"sentiment":"neutral","sentiment_score":0.1360341435806318},{"text":"So, David, would you ever consider taking out a loan to invest in stocks or funds?","start":653.04,"end":659.06,"sentiment":"neutral","sentiment_score":0.07284371298737824}],"sentiment":"neutral","sentiment_score":0.13225708465123998,"channel":0,"num_words":29,"start":647.76,"end":659.06},{"sentences":[{"text":"Yes.","start":660.715,"end":661.215,"sentiment":"neutral","sentiment_score":0.0855955183506012}],"sentiment":"neutral","sentiment_score":0.0855955183506012,"channel":1,"num_words":1,"start":660.715,"end":661.215},{"sentences":[{"text":"Yep.","start":661.585,"end":662.085,"sentiment":"neutral","sentiment_score":0.08655883371829987},{"text":"Okay.","start":662.145,"end":662.645,"sentiment":"neutral","sentiment_score":0.08849750459194183},{"text":"Now that tells me here that you have come out kind of borderline between aggressive and high growth.","start":664.465,"end":671.04504,"sentiment":"neutral","sentiment_score":0.13387970957491133},{"text":"And at the moment, we have you invested in an aggressive portfolio.","start":671.60004,"end":675.46,"sentiment":"neutral","sentiment_score":0.05923312126348416},{"text":"Do you remember what it means to be an aggressive investor at all?","start":676.08,"end":680.34,"sentiment":"neutral","sentiment_score":0.047947218211797565}],"sentiment":"neutral","sentiment_score":0.08708894227941831,"channel":0,"num_words":45,"start":661.585,"end":680.34},{"sentences":[{"text":"Yes?","start":681.945,"end":682.445,"sentiment":"neutral","sentiment_score":0.03630109876394272}],"sentiment":"neutral","sentiment_score":0.03630109876394272,"channel":1,"num_words":1,"start":681.945,"end":682.445},{"sentences":[{"text":"Yeah.","start":682.72003,"end":683.12006,"sentiment":"neutral","sentiment_score":0.033242568373680115}],"sentiment":"neutral","sentiment_score":0.033242568373680115,"channel":0,"num_words":1,"start":682.72003,"end":683.12006},{"sentences":[{"text":"Yeah.","start":683.065,"end":683.565,"sentiment":"neutral","sentiment_score":0.027088068425655365}],"sentiment":"neutral","sentiment_score":0.027088068425655365,"channel":1,"num_words":1,"start":683.065,"end":683.565},{"sentences":[{"text":"How would you describe it?","start":683.12006,"end":685.30005,"sentiment":"neutral","sentiment_score":0.02490401454269886}],"sentiment":"neutral","sentiment_score":0.02490401454269886,"channel":0,"num_words":5,"start":683.12006,"end":685.30005},{"sentences":[{"text":"Invest when when the market's low and, yeah, it's like a high income.","start":689.51,"end":694.71,"sentiment":"neutral","sentiment_score":0.041712794882746845},{"text":"I mean, it's quite","start":694.71,"end":695.43,"sentiment":"neutral","sentiment_score":0.033018967136740685}],"sentiment":"neutral","sentiment_score":0.0396671883542748,"channel":1,"num_words":17,"start":689.51,"end":695.43},{"sentences":[{"text":"Yeah.","start":695.325,"end":695.825,"sentiment":"neutral","sentiment_score":0.051826827228069305}],"sentiment":"neutral","sentiment_score":0.051826827228069305,"channel":0,"num_words":1,"start":695.325,"end":695.825},{"sentences":[{"text":"a high return.","start":695.43,"end":696.49,"sentiment":"neutral","sentiment_score":0.12423816323280334},{"text":"Yeah.","start":696.55,"end":697.05,"sentiment":"neutral","sentiment_score":0.08242997527122498}],"sentiment":"neutral","sentiment_score":0.11378611624240875,"channel":1,"num_words":4,"start":695.43,"end":697.05},{"sentences":[{"text":"Yeah.","start":697.40497,"end":697.90497,"sentiment":"neutral","sentiment_score":0.09138226509094238},{"text":"Well, yeah, basically.","start":698.63,"end":699.85004,"sentiment":"neutral","sentiment_score":0.08694037050008774},{"text":"So, essentially, it tells me that you are looking at getting, you know, as much growth out of your superannuation while you still have plenty of time until retirement.","start":699.91003,"end":706.81,"sentiment":"neutral","sentiment_score":0.12424246966838837},{"text":"But at the same time, someone that is comfortable with your experience, some higher levels of fluctuations in the short term in order to kinda grow your superannuation long term.","start":707.35004,"end":718.745,"sentiment":"neutral","sentiment_score":0.09581560902297497},{"text":"Now when we are also then looking at a asset allocation to how your money is invested, In a typical aggressive post portfolio, we see about 95 to about a 100% in your growth assets.","start":719.205,"end":733.71,"sentiment":"neutral","sentiment_score":0.05712099112570286}],"sentiment":"neutral","sentiment_score":0.09009120364350323,"channel":0,"num_words":98,"start":697.40497,"end":733.71},{"sentences":[{"text":"So that will be things like Australian shares, international shares, property, and commodities, and that is what's going to maximize that growth for you.","start":733.85,"end":741.985,"sentiment":"neutral","sentiment_score":0.21089516828457514},{"text":"And about five to zero in defensive, like your cash, your gold, your fixed interest.","start":742.525,"end":747.66504,"sentiment":"neutral","sentiment_score":0.08623242005705833},{"text":"Now the difference then in a high growth, it's about a 10% difference.","start":748.445,"end":752.54504,"sentiment":"neutral","sentiment_score":0.06275075330184056},{"text":"So you will have about 90 in your growth assets and about 10 in your defenses.","start":752.58,"end":760.28,"sentiment":"neutral","sentiment_score":0.12172832759097219},{"text":"Does that make sense so far?","start":761.62,"end":763.16003,"sentiment":"neutral","sentiment_score":0.08941747869054477}],"sentiment":"neutral","sentiment_score":0.1304714627866004,"channel":0,"num_words":74,"start":733.85,"end":763.16003},{"sentences":[{"text":"Yes.","start":763.645,"end":764.145,"sentiment":"neutral","sentiment_score":0.13200277090072632}],"sentiment":"neutral","sentiment_score":0.13200277090072632,"channel":1,"num_words":1,"start":763.645,"end":764.145},{"sentences":[{"text":"Yep.","start":764.34,"end":764.595,"sentiment":"neutral","sentiment_score":0.19224826991558075},{"text":"Perfect.","start":764.75494,"end":765.25494,"sentiment":"positive","sentiment_score":0.34340280294418335},{"text":"And, also, making sure from a time frame point of view that you have enough time in the market.","start":765.555,"end":770.21497,"sentiment":"neutral","sentiment_score":0.1403330760566812},{"text":"In an aggressive portfolio, ideally, we would like to leave at least ten years on your retirement for making sure that you have enough time in the market for those short term fluctuations.","start":770.595,"end":780.37994,"sentiment":"neutral","sentiment_score":0.1478689775773973},{"text":"So from a time frame point of view, you you still have that behind you in a aggressive portfolio.","start":781.07996,"end":785.89996,"sentiment":"neutral","sentiment_score":-0.009891282374921598}],"sentiment":"neutral","sentiment_score":0.10813317003927819,"channel":0,"num_words":73,"start":764.34,"end":785.89996},{"sentences":[{"text":"If that is still something that you are comfortable with seeing those kind of higher fluctuations with the market, or would you like to look at potentially reducing that down to a high growth?","start":787.24,"end":798.185,"sentiment":"neutral","sentiment_score":-0.025649081696482265},{"text":"Or what are your thoughts?","start":798.185,"end":799.325,"sentiment":"neutral","sentiment_score":0.005500571429729461}],"sentiment":"neutral","sentiment_score":-0.02165553642389102,"channel":0,"num_words":39,"start":787.24,"end":799.325},{"sentences":[{"text":"No.","start":800.98004,"end":801.22003,"sentiment":"neutral","sentiment_score":-0.22788675129413605},{"text":"I'd I'd I'd like to take it as it is.","start":801.22003,"end":803.48004,"sentiment":"neutral","sentiment_score":-0.193299600481987}],"sentiment":"neutral","sentiment_score":-0.1964438869194551,"channel":1,"num_words":11,"start":800.98004,"end":803.48004},{"sentences":[{"text":"Yep.","start":803.70496,"end":804.02496,"sentiment":"neutral","sentiment_score":0.11336193978786469},{"text":"Okay.","start":804.02496,"end":804.505,"sentiment":"neutral","sentiment_score":0.25342005491256714},{"text":"Great.","start":804.505,"end":805.005,"sentiment":"positive","sentiment_score":0.5457025170326233},{"text":"Now, David, do you have access to your emails at the moment?","start":806.185,"end":809.08496,"sentiment":"neutral","sentiment_score":0.16384822440644106}],"sentiment":"neutral","sentiment_score":0.1919108803073565,"channel":0,"num_words":15,"start":803.70496,"end":809.08496},{"sentences":[{"text":"Yeah.","start":809.78,"end":810.28,"sentiment":"neutral","sentiment_score":0.1146380752325058}],"sentiment":"neutral","sentiment_score":0.1146380752325058,"channel":1,"num_words":1,"start":809.78,"end":810.28},{"sentences":[{"text":"Yep.","start":810.64,"end":810.96,"sentiment":"neutral","sentiment_score":0.13867810368537903},{"text":"Okay.","start":810.96,"end":811.46,"sentiment":"neutral","sentiment_score":0.15820299088954926},{"text":"So what I have done is I have just sent you an email with some documents to go through if you are able to access that for me.","start":811.52,"end":819.78,"sentiment":"neutral","sentiment_score":0.24710344895720482},{"text":"That gives you a bit more breakdown of your current super balance and performance and stuff like that as well for your insurance.","start":819.84,"end":827.295,"sentiment":"positive","sentiment_score":0.3511517099712206},{"text":"So if you could click into the email for me.","start":827.835,"end":830.635,"sentiment":"neutral","sentiment_score":0.16044394969940184}],"sentiment":"neutral","sentiment_score":0.2682016903445834,"channel":0,"num_words":63,"start":810.64,"end":830.635},{"sentences":[{"text":"Now we have this changed software, so it might look a little bit different to what you are potentially used to.","start":830.635,"end":837.455,"sentiment":"neutral","sentiment_score":0.025428169628693945},{"text":"But if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything.","start":838.87,"end":848.25,"sentiment":"neutral","sentiment_score":0.12892153994603592}],"sentiment":"neutral","sentiment_score":0.08867411815595848,"channel":0,"num_words":54,"start":830.635,"end":848.25},{"sentences":[{"text":"So what what's this asking me to to sign up for another year, or what's it asking me to do?","start":849.795,"end":856.055,"sentiment":"neutral","sentiment_score":-0.10516519919037819}],"sentiment":"neutral","sentiment_score":-0.10516519919037819,"channel":1,"num_words":20,"start":849.795,"end":856.055},{"sentences":[{"text":"It will only ask you to add the signature, which is the ongoing service fee at the end.","start":856.805,"end":862.10504,"sentiment":"neutral","sentiment_score":0.015152970742848184},{"text":"But you can click on the link, and that just allows you to view all the documents that I would like to go through with you.","start":862.32996,"end":868.75,"sentiment":"neutral","sentiment_score":0.14039479024135149},{"text":"You don't","start":868.81,"end":869.29,"sentiment":"neutral","sentiment_score":-0.010761462152004242}],"sentiment":"neutral","sentiment_score":0.084815110768313,"channel":0,"num_words":46,"start":856.805,"end":869.29},{"sentences":[{"text":"Yep.","start":869.11005,"end":869.565,"sentiment":"neutral","sentiment_score":-0.05771872028708458}],"sentiment":"neutral","sentiment_score":-0.05771872028708458,"channel":1,"num_words":1,"start":869.11005,"end":869.565},{"sentences":[{"text":"have to sign anything until at the end, and only then if you're comfortable with that.","start":869.29,"end":873.47,"sentiment":"neutral","sentiment_score":-0.08345355303026736}],"sentiment":"neutral","sentiment_score":-0.08345355303026736,"channel":0,"num_words":16,"start":869.29,"end":873.47},{"sentences":[{"text":"What am I starting exactly?","start":874.84503,"end":876.305,"sentiment":"neutral","sentiment_score":-0.008447108045220374}],"sentiment":"neutral","sentiment_score":-0.008447108045220374,"channel":1,"num_words":5,"start":874.84503,"end":876.305},{"sentences":[{"text":"So I'll show you the document that it will ask you to sign when we get to them because there's quite a few documents and not all of them need signing.","start":877.465,"end":885.485,"sentiment":"neutral","sentiment_score":-0.01945862729823397}],"sentiment":"neutral","sentiment_score":-0.01945862729823397,"channel":0,"num_words":31,"start":877.465,"end":885.485},{"sentences":[{"text":"Yeah.","start":886.41,"end":886.89,"sentiment":"neutral","sentiment_score":0.01250553410500288},{"text":"Alright.","start":886.89,"end":887.39,"sentiment":"neutral","sentiment_score":0.008117902092635632},{"text":"Because I'm I'm I'm looking at switching.","start":887.45,"end":890.11,"sentiment":"neutral","sentiment_score":-0.02609560000044959}],"sentiment":"neutral","sentiment_score":-0.018005084867278736,"channel":1,"num_words":9,"start":886.41,"end":890.11},{"sentences":[{"text":"Yep.","start":891.16003,"end":891.64,"sentiment":"neutral","sentiment_score":0.04044172167778015},{"text":"That's okay.","start":891.64,"end":892.28,"sentiment":"neutral","sentiment_score":0.08829965442419052},{"text":"We can have a bit of a talk about that.","start":892.28,"end":894.62,"sentiment":"neutral","sentiment_score":0.05448244363069534},{"text":"If you wanna just click on the link for me though, David, it can","start":896.44,"end":900.2,"sentiment":"neutral","sentiment_score":0.024326866625675132}],"sentiment":"neutral","sentiment_score":0.04083117035528024,"channel":0,"num_words":27,"start":891.16003,"end":900.2},{"sentences":[{"text":"Yeah.","start":900.155,"end":900.655,"sentiment":"neutral","sentiment_score":-0.009115900844335556}],"sentiment":"neutral","sentiment_score":-0.009115900844335556,"channel":1,"num_words":1,"start":900.155,"end":900.655},{"sentences":[{"text":"show you how your situation is.","start":900.2,"end":902.175,"sentiment":"neutral","sentiment_score":-0.032197178031007447},{"text":"And if you're not comfortable with it, then I will not get you to find anything at the end.","start":902.415,"end":906.035,"sentiment":"neutral","sentiment_score":-0.276638369026937}],"sentiment":"neutral","sentiment_score":-0.2179724831879139,"channel":0,"num_words":25,"start":900.2,"end":906.035},{"sentences":[{"text":"Sure.","start":906.555,"end":907.055,"sentiment":"neutral","sentiment_score":0.04966777190566063},{"text":"Okay.","start":907.115,"end":907.615,"sentiment":"neutral","sentiment_score":0.05061617121100426}],"sentiment":"neutral","sentiment_score":0.05014197155833244,"channel":1,"num_words":2,"start":906.555,"end":907.615},{"sentences":[{"text":"Yep.","start":907.77496,"end":908.27496,"sentiment":"neutral","sentiment_score":0.05552547425031662}],"sentiment":"neutral","sentiment_score":0.05552547425031662,"channel":0,"num_words":1,"start":907.77496,"end":908.27496},{"sentences":[{"text":"Then bear with me.","start":907.835,"end":909.055,"sentiment":"neutral","sentiment_score":0.02203897014260292}],"sentiment":"neutral","sentiment_score":0.02203897014260292,"channel":1,"num_words":4,"start":907.835,"end":909.055},{"sentences":[{"text":"Okay.","start":909.295,"end":909.695,"sentiment":"neutral","sentiment_score":0.18640071153640747},{"text":"Perfect.","start":909.695,"end":910.175,"sentiment":"neutral","sentiment_score":0.06716358661651611},{"text":"So can you see the first attachment there in the document?","start":910.175,"end":913.075,"sentiment":"neutral","sentiment_score":0.020557741888544777}],"sentiment":"neutral","sentiment_score":0.03689995837899355,"channel":0,"num_words":13,"start":909.295,"end":913.075},{"sentences":[{"text":"Yep.","start":913.45,"end":913.95,"sentiment":"neutral","sentiment_score":0.05802682787179947}],"sentiment":"neutral","sentiment_score":0.05802682787179947,"channel":1,"num_words":1,"start":913.45,"end":913.95},{"sentences":[{"text":"Yeah.","start":914.43,"end":914.67,"sentiment":"neutral","sentiment_score":0.04734421521425247},{"text":"And what does that one say just so that I can go through it in the order that you have it in front of you","start":914.67,"end":919.07,"sentiment":"neutral","sentiment_score":0.04856224909424782}],"sentiment":"neutral","sentiment_score":0.04851540163732492,"channel":0,"num_words":26,"start":914.43,"end":919.07},{"sentences":[{"text":"Summary","start":919.05005,"end":919.55005,"sentiment":"neutral","sentiment_score":0.08697231858968735}],"sentiment":"neutral","sentiment_score":0.08697231858968735,"channel":1,"num_words":1,"start":919.05005,"end":919.55005},{"sentences":[{"text":"to make it easier?","start":919.07,"end":919.97003,"sentiment":"neutral","sentiment_score":0.050582255236804485}],"sentiment":"neutral","sentiment_score":0.050582255236804485,"channel":0,"num_words":4,"start":919.07,"end":919.97003},{"sentences":[{"text":"of paper emulation and insurance.","start":919.61005,"end":921.23004,"sentiment":"neutral","sentiment_score":0.0009640159085392952}],"sentiment":"neutral","sentiment_score":0.0009640159085392952,"channel":1,"num_words":5,"start":919.61005,"end":921.23004},{"sentences":[{"text":"Yep.","start":922.11,"end":922.61,"sentiment":"neutral","sentiment_score":0.27135515213012695},{"text":"Beautiful.","start":922.75,"end":923.25,"sentiment":"positive","sentiment_score":0.6004989147186279},{"text":"So at the moment, you have your you have 24, and you do have a a $105,379 in there.","start":923.47003,"end":934.385,"sentiment":"neutral","sentiment_score":0.10766075237801201},{"text":"Now you said, obviously, you are looking at potentially changing Superfund?","start":935.805,"end":939.985,"sentiment":"neutral","sentiment_score":0.03261351382190531}],"sentiment":"neutral","sentiment_score":0.10237990668974817,"channel":0,"num_words":32,"start":922.11,"end":939.985},{"sentences":[{"text":"Hang on.","start":939.86005,"end":940.26,"sentiment":"neutral","sentiment_score":0.0009093056432902813},{"text":"I've got a $105,000 in here.","start":940.26,"end":942.58,"sentiment":"neutral","sentiment_score":0.017959688634922106},{"text":"Is that what you're saying?","start":942.58,"end":943.64,"sentiment":"neutral","sentiment_score":0.012549069523811341}],"sentiment":"neutral","sentiment_score":0.013255545439628454,"channel":1,"num_words":13,"start":939.86005,"end":943.64},{"sentences":[{"text":"Yes.","start":944.62,"end":945.12,"sentiment":"neutral","sentiment_score":0.02005326002836227}],"sentiment":"neutral","sentiment_score":0.02005326002836227,"channel":0,"num_words":1,"start":944.62,"end":945.12},{"sentences":[{"text":"But but when I'm on the website, it says that I've got 250.","start":946.10004,"end":950.71497,"sentiment":"neutral","sentiment_score":-0.03128402837767051}],"sentiment":"neutral","sentiment_score":-0.03128402837767051,"channel":1,"num_words":13,"start":946.10004,"end":950.71497},{"sentences":[{"text":"Let me have a look at the document for you.","start":952.14,"end":954.8,"sentiment":"neutral","sentiment_score":0.02536157947033644},{"text":"Let me just go into your account just to triple check that the documents were prepared correctly for you.","start":960.245,"end":968.265,"sentiment":"neutral","sentiment_score":0.015910259104873006},{"text":"Not yet.","start":981.815,"end":982.45496,"sentiment":"neutral","sentiment_score":-0.07485824078321457},{"text":"You are correct.","start":982.45496,"end":983.095,"sentiment":"neutral","sentiment_score":-0.040817843129237495},{"text":"I'm in your account at the moment, and it looks like the document did have incorrect information.","start":983.095,"end":989.915,"sentiment":"neutral","sentiment_score":-0.14928975898553343}],"sentiment":"neutral","sentiment_score":-0.04419970972573056,"channel":0,"num_words":51,"start":952.14,"end":989.915},{"sentences":[{"text":"So I will get the team to update those documents after the call and reissue them for you with the correct information.","start":990.055,"end":996.07495,"sentiment":"neutral","sentiment_score":-0.000978026369755919},{"text":"Now in your account right now, it's 260429.","start":996.93,"end":1002.29004,"sentiment":"neutral","sentiment_score":0.03751433617435396},{"text":"Is that what you see as well?","start":1002.29004,"end":1003.83,"sentiment":"neutral","sentiment_score":0.04485678140606199}],"sentiment":"neutral","sentiment_score":0.01601609673250366,"channel":0,"num_words":37,"start":990.055,"end":1003.83},{"sentences":[{"text":"Yes.","start":1004.525,"end":1005.025,"sentiment":"neutral","sentiment_score":0.038512393832206726}],"sentiment":"neutral","sentiment_score":0.038512393832206726,"channel":1,"num_words":1,"start":1004.525,"end":1005.025},{"sentences":[{"text":"Yes.","start":1005.41003,"end":1005.91003,"sentiment":"neutral","sentiment_score":0.030522547662258148},{"text":"Sorry.","start":1005.97003,"end":1006.29004,"sentiment":"neutral","sentiment_score":-0.06502185761928558},{"text":"Apologies about that.","start":1006.29004,"end":1007.33,"sentiment":"neutral","sentiment_score":-0.19916792710622153},{"text":"I will get the team to update that straight away after the call for you.","start":1007.33,"end":1010.95,"sentiment":"neutral","sentiment_score":-0.011825165152549744},{"text":"But, yes, you are correct.","start":1011.125,"end":1012.40497,"sentiment":"neutral","sentiment_score":0.11640291213989258}],"sentiment":"neutral","sentiment_score":-0.00909464031457901,"channel":0,"num_words":25,"start":1005.41003,"end":1012.40497},{"sentences":[{"text":"260429 is in your, Hub twenty four account at the moment.","start":1012.40497,"end":1019.46497,"sentiment":"neutral","sentiment_score":0.049560894004323265},{"text":"Now you you did say that you are looking at changing Superfunds.","start":1021.125,"end":1025.63,"sentiment":"neutral","sentiment_score":0.034664240355292954},{"text":"Can I ask, have you started the process or your thought process behind it or where you are looking at going?","start":1025.8501,"end":1032.51,"sentiment":"neutral","sentiment_score":0.03417219150634039}],"sentiment":"neutral","sentiment_score":0.03815356227145954,"channel":0,"num_words":44,"start":1012.40497,"end":1032.51},{"sentences":[{"text":"I'm looking at going somewhere that doesn't have such high fees.","start":1033.955,"end":1039.015,"sentiment":"neutral","sentiment_score":-0.07452896135774525}],"sentiment":"neutral","sentiment_score":-0.07452896135774525,"channel":1,"num_words":11,"start":1033.955,"end":1039.015},{"sentences":[{"text":"Okay.","start":1040.185,"end":1040.685,"sentiment":"neutral","sentiment_score":-0.00688120536506176},{"text":"So fees is the main kind of 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people.","start":1057.295,"end":1058.995,"sentiment":"neutral","sentiment_score":-0.014458856545388699}],"sentiment":"neutral","sentiment_score":-0.014458856545388699,"channel":1,"num_words":4,"start":1057.295,"end":1058.995},{"sentences":[{"text":"Yeah.","start":1059.88,"end":1060.38,"sentiment":"neutral","sentiment_score":-0.01126478984951973}],"sentiment":"neutral","sentiment_score":-0.01126478984951973,"channel":0,"num_words":1,"start":1059.88,"end":1060.38},{"sentences":[{"text":"And","start":1060.895,"end":1061.215,"sentiment":"neutral","sentiment_score":-0.03065336123108864}],"sentiment":"neutral","sentiment_score":-0.03065336123108864,"channel":1,"num_words":1,"start":1060.895,"end":1061.215},{"sentences":[{"text":"I'm","start":1061.025,"end":1061.3451,"sentiment":"neutral","sentiment_score":-0.04883047193288803}],"sentiment":"neutral","sentiment_score":-0.04883047193288803,"channel":0,"num_words":1,"start":1061.025,"end":1061.3451},{"sentences":[{"text":"whatever","start":1061.215,"end":1061.715,"sentiment":"neutral","sentiment_score":-0.0832904726266861}],"sentiment":"neutral","sentiment_score":-0.0832904726266861,"channel":1,"num_words":1,"start":1061.215,"end":1061.715},{"sentences":[{"text":"sorry 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get some clarification into what all these fees are and why they","start":1069.63,"end":1076.67,"sentiment":"neutral","sentiment_score":-0.12607685352365175}],"sentiment":"neutral","sentiment_score":-0.10321559756994247,"channel":1,"num_words":40,"start":1062.095,"end":1076.67},{"sentences":[{"text":"Yep.","start":1076.64,"end":1077.14,"sentiment":"neutral","sentiment_score":-0.02810576558113098}],"sentiment":"neutral","sentiment_score":-0.02810576558113098,"channel":0,"num_words":1,"start":1076.64,"end":1077.14},{"sentences":[{"text":"say buy.","start":1076.67,"end":1077.49,"sentiment":"neutral","sentiment_score":-0.03135789558291435},{"text":"And, yeah, it's just it's just things have been a little 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out.","start":1083.365,"end":1087.305,"sentiment":"negative","sentiment_score":-0.5174072700388291}],"sentiment":"negative","sentiment_score":-0.5174072700388291,"channel":1,"num_words":17,"start":1083.365,"end":1087.305},{"sentences":[{"text":"Okay.","start":1087.855,"end":1088.335,"sentiment":"neutral","sentiment_score":-0.18317921459674835},{"text":"And I'm I'm sorry for us to hear that you've had a not so great experience, especially with communication and stuff.","start":1088.335,"end":1095.0549,"sentiment":"negative","sentiment_score":-0.447471973441896},{"text":"That's the last thing we want.","start":1095.0549,"end":1096.5149,"sentiment":"negative","sentiment_score":-0.38205018142859143},{"text":"Now when it comes to this fees as well, so hub twenty four is sometimes depends on which industry funds you are looking at, but it can be a little bit more expensive from a platform point of view.","start":1097.87,"end":1111.535,"sentiment":"neutral","sentiment_score":-0.17674366098183852},{"text":"And the reason is because it is a little bit more of that sophisticated platform that allows you to do a lot more with the investment.","start":1111.995,"end":1118.8151,"sentiment":"neutral","sentiment_score":0.039351409587722555}],"sentiment":"neutral","sentiment_score":-0.19077696639203257,"channel":0,"num_words":93,"start":1087.855,"end":1118.8151},{"sentences":[{"text":"So often, obviously, when we are looking at the return on those investments, that tend to still put you in a lot better position after the fee because it gives us that flexibility when it comes to your investment choices.","start":1119.435,"end":1132.37,"sentiment":"neutral","sentiment_score":0.11115785483270883},{"text":"But it can be a little bit more expensive.","start":1133.47,"end":1135.89,"sentiment":"neutral","sentiment_score":-0.24648385908868578},{"text":"Now if you are happy for me to do so, it is up to you.","start":1137.485,"end":1141.245,"sentiment":"positive","sentiment_score":0.3753623609741529},{"text":"I'd be happy to do some some more research on your account, see how much you are like, putting it all into a strategy advice document for you to check exactly the the fees and everything, especially with the investment fees and everything, and compare that to a couple of other industry funds for you, like your more low cost option, and seeing if when we're lower fees that with the investment as well, if that is going to put you in a better position at the end of it.","start":1141.245,"end":1171.345,"sentiment":"neutral","sentiment_score":0.3176672477689054},{"text":"Would you be happy for me to do that, or what are you 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deducted.","start":1205.2699,"end":1207.45,"sentiment":"neutral","sentiment_score":-0.05579539707728794},{"text":"So I'm just taking one step forward and two steps backwards.","start":1207.5099,"end":1211.0499,"sentiment":"neutral","sentiment_score":0.12445330348881808}],"sentiment":"neutral","sentiment_score":0.04720439259772715,"channel":1,"num_words":46,"start":1192.2251,"end":1211.0499},{"sentences":[{"text":"Yeah.","start":1211.64,"end":1211.9601,"sentiment":"neutral","sentiment_score":0.049041036516427994},{"text":"Okay.","start":1211.9601,"end":1212.4601,"sentiment":"neutral","sentiment_score":0.04049776867032051},{"text":"And, yeah, that's not what we want at the end of the day, and I also have an obligation to follow that best interest duty, which is making sure that the adviser I am recommending for you will put you in a better position.","start":1212.76,"end":1223.725,"sentiment":"neutral","sentiment_score":-0.05036834474991669},{"text":"And if I do research on your 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is you wanna recommend, but I'll I'll look into other things myself.","start":1249.265,"end":1252.885,"sentiment":"neutral","sentiment_score":0.05847512529446529},{"text":"But,","start":1252.9451,"end":1253.4451,"sentiment":"neutral","sentiment_score":0.025605272501707077}],"sentiment":"neutral","sentiment_score":0.05612727866641113,"channel":1,"num_words":14,"start":1249.265,"end":1253.4451},{"sentences":[{"text":"Yeah.","start":1253.715,"end":1254.215,"sentiment":"neutral","sentiment_score":0.044066909700632095}],"sentiment":"neutral","sentiment_score":0.044066909700632095,"channel":0,"num_words":1,"start":1253.715,"end":1254.215},{"sentences":[{"text":"yeah, 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no.","start":1254.755,"end":1256.515,"sentiment":"neutral","sentiment_score":-0.06762764044106007},{"text":"And that's is there any specific funds that you have started researching that you would like me to include in that comparison for you?","start":1256.515,"end":1264.18,"sentiment":"neutral","sentiment_score":0.06587191671133041}],"sentiment":"neutral","sentiment_score":0.05560272000730038,"channel":0,"num_words":26,"start":1254.755,"end":1264.18},{"sentences":[{"text":"No.","start":1265.41,"end":1265.73,"sentiment":"neutral","sentiment_score":-0.03156612068414688},{"text":"Just just just the general, the Australian server and host 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all.","start":1269.57,"end":1272.63,"sentiment":"neutral","sentiment_score":0.011110520300765833}],"sentiment":"neutral","sentiment_score":0.011110520300765833,"channel":1,"num_words":9,"start":1269.57,"end":1272.63},{"sentences":[{"text":"Yep.","start":1272.9601,"end":1273.36,"sentiment":"neutral","sentiment_score":0.0435623973608017},{"text":"Okay.","start":1273.36,"end":1273.76,"sentiment":"neutral","sentiment_score":0.12182090431451796},{"text":"Perfect.","start":1273.76,"end":1274.26,"sentiment":"neutral","sentiment_score":0.2629607617855072}],"sentiment":"neutral","sentiment_score":0.1427813544869423,"channel":0,"num_words":3,"start":1272.9601,"end":1274.26},{"sentences":[{"text":"I was with host parts.","start":1274.05,"end":1275.465,"sentiment":"neutral","sentiment_score":0.10473167002201081},{"text":"That's because of where my the industry I was in.","start":1278.1849,"end":1281.965,"sentiment":"neutral","sentiment_score":0.08278356939554214}],"sentiment":"neutral","sentiment_score":0.09009960293769836,"channel":1,"num_words":15,"start":1274.05,"end":1281.965},{"sentences":[{"text":"Yep.","start":1281.9651,"end":1282.2051,"sentiment":"neutral","sentiment_score":0.05805837735533714},{"text":"Yep.","start":1282.2051,"end":1282.7051,"sentiment":"neutral","sentiment_score":0.059941135346889496}],"sentiment":"neutral","sentiment_score":0.05899975635111332,"channel":0,"num_words":2,"start":1281.9651,"end":1282.7051},{"sentences":[{"text":"And I'm waiting for a callback from them today to have a chat and some advice in in what","start":1284.825,"end":1291.22,"sentiment":"neutral","sentiment_score":0.06453153745908487}],"sentiment":"neutral","sentiment_score":0.06453153745908487,"channel":1,"num_words":19,"start":1284.825,"end":1291.22},{"sentences":[{"text":"Okay.","start":1291.1799,"end":1291.6799,"sentiment":"neutral","sentiment_score":-0.005108651705086231}],"sentiment":"neutral","sentiment_score":-0.005108651705086231,"channel":0,"num_words":1,"start":1291.1799,"end":1291.6799},{"sentences":[{"text":"to do, but","start":1291.22,"end":1292.4401,"sentiment":"neutral","sentiment_score":-0.020106684416532516}],"sentiment":"neutral","sentiment_score":-0.020106684416532516,"channel":1,"num_words":3,"start":1291.22,"end":1292.4401},{"sentences":[{"text":"Okay.","start":1292.22,"end":1292.72,"sentiment":"neutral","sentiment_score":-0.047294534742832184}],"sentiment":"neutral","sentiment_score":-0.047294534742832184,"channel":0,"num_words":1,"start":1292.22,"end":1292.72},{"sentences":[{"text":"I feel I'm just not getting anywhere.","start":1293.46,"end":1296.84,"sentiment":"neutral","sentiment_score":-0.27065171939986093},{"text":"They passed they passed wild","start":1297.3,"end":1299.48,"sentiment":"neutral","sentiment_score":-0.21689306795597077}],"sentiment":"neutral","sentiment_score":-0.24825228129824004,"channel":1,"num_words":12,"start":1293.46,"end":1299.48},{"sentences":[{"text":"Okay.","start":1300.635,"end":1300.955,"sentiment":"neutral","sentiment_score":-0.04916371405124664},{"text":"Yeah.","start":1300.955,"end":1301.455,"sentiment":"neutral","sentiment_score":-0.011074021458625792}],"sentiment":"neutral","sentiment_score":-0.030118867754936218,"channel":0,"num_words":2,"start":1300.635,"end":1301.455},{"sentences":[{"text":"They're 20","start":1301.245,"end":1301.985,"sentiment":"neutral","sentiment_score":-0.005930595099925995}],"sentiment":"neutral","sentiment_score":-0.005930595099925995,"channel":1,"num_words":2,"start":1301.245,"end":1301.985},{"sentences":[{"text":"And with your when you","start":1303.355,"end":1305.4349,"sentiment":"neutral","sentiment_score":-0.002579156309366226}],"sentiment":"neutral","sentiment_score":-0.002579156309366226,"channel":0,"num_words":5,"start":1303.355,"end":1305.4349},{"sentences":[{"text":"four.","start":1305.325,"end":1305.825,"sentiment":"neutral","sentiment_score":-0.004401158541440964}],"sentiment":"neutral","sentiment_score":-0.004401158541440964,"channel":1,"num_words":1,"start":1305.325,"end":1305.825},{"sentences":[{"text":"when you are looking at your Australian Super and Host Plus, are you also looking at your, like, aggressive portfolios as well, or are you comparing yep.","start":1305.4349,"end":1314.3,"sentiment":"neutral","sentiment_score":-0.0014330363246025863},{"text":"Okay.","start":1314.38,"end":1314.7001,"sentiment":"neutral","sentiment_score":0.15008628368377686},{"text":"Perfect.","start":1314.7001,"end":1315.1001,"sentiment":"positive","sentiment_score":0.3577571213245392},{"text":"That's good.","start":1315.1001,"end":1315.8401,"sentiment":"positive","sentiment_score":0.4266395717859268},{"text":"Because sometimes they don't always have your your aggressive.","start":1316.38,"end":1319.4401,"sentiment":"neutral","sentiment_score":0.10510079604056147}],"sentiment":"neutral","sentiment_score":0.05670844330452383,"channel":0,"num_words":40,"start":1305.4349,"end":1319.4401},{"sentences":[{"text":"They have high growth for sure.","start":1319.5,"end":1321.3601,"sentiment":"neutral","sentiment_score":0.10805794348319371},{"text":"But if you are looking at the same kind of risk comparison, because sometimes your more aggressive portfolio can be a little bit more expensive as well because you have a little bit more of that active management.","start":1322.2201,"end":1332.105,"sentiment":"neutral","sentiment_score":-0.022673653830823145},{"text":"So that is good.","start":1332.105,"end":1332.825,"sentiment":"positive","sentiment_score":0.4666997194290161},{"text":"So I will factor that in in the research for you anyway.","start":1332.825,"end":1336.2849,"sentiment":"neutral","sentiment_score":0.24062606071432432},{"text":"Like, I'll look at also","start":1337.385,"end":1338.4249,"sentiment":"neutral","sentiment_score":0.07562466114759445}],"sentiment":"neutral","sentiment_score":0.0756797496515971,"channel":0,"num_words":65,"start":1319.5,"end":1338.4249},{"sentences":[{"text":"So","start":1338.395,"end":1338.635,"sentiment":"neutral","sentiment_score":0.031623102724552155}],"sentiment":"neutral","sentiment_score":0.031623102724552155,"channel":1,"num_words":1,"start":1338.395,"end":1338.635},{"sentences":[{"text":"if the","start":1338.4249,"end":1338.6649,"sentiment":"neutral","sentiment_score":0.02532997354865074}],"sentiment":"neutral","sentiment_score":0.02532997354865074,"channel":0,"num_words":2,"start":1338.4249,"end":1338.6649},{"sentences":[{"text":"the","start":1338.635,"end":1338.875,"sentiment":"neutral","sentiment_score":0.011596448719501495}],"sentiment":"neutral","sentiment_score":0.011596448719501495,"channel":1,"num_words":1,"start":1338.635,"end":1338.875},{"sentences":[{"text":"host plus","start":1338.6649,"end":1339.225,"sentiment":"neutral","sentiment_score":0.028275007382035255}],"sentiment":"neutral","sentiment_score":0.028275007382035255,"channel":0,"num_words":2,"start":1338.6649,"end":1339.225},{"sentences":[{"text":"so so","start":1338.9551,"end":1339.435,"sentiment":"neutral","sentiment_score":0.01236803736537695}],"sentiment":"neutral","sentiment_score":0.01236803736537695,"channel":1,"num_words":2,"start":1338.9551,"end":1339.435},{"sentences":[{"text":"are aware.","start":1339.225,"end":1339.885,"sentiment":"neutral","sentiment_score":-0.00048129959031939507}],"sentiment":"neutral","sentiment_score":-0.00048129959031939507,"channel":0,"num_words":2,"start":1339.225,"end":1339.885},{"sentences":[{"text":"just explain to me the the adviser fee is is is to you, to to.","start":1339.435,"end":1344.8,"sentiment":"neutral","sentiment_score":-0.004556696054836115}],"sentiment":"neutral","sentiment_score":-0.004556696054836115,"channel":1,"num_words":15,"start":1339.435,"end":1344.8},{"sentences":[{"text":"To to Oakview Financial.","start":1345.08,"end":1346.7,"sentiment":"neutral","sentiment_score":0.0066629970679059625},{"text":"Yes.","start":1346.9199,"end":1347.4199,"sentiment":"neutral","sentiment_score":0.05956450849771499}],"sentiment":"neutral","sentiment_score":0.01724329935386777,"channel":0,"num_words":5,"start":1345.08,"end":1347.4199},{"sentences":[{"text":"So it's $3,354 a month, and and that's that's that's getting more and more.","start":1347.8201,"end":1354.62,"sentiment":"neutral","sentiment_score":-0.048017095042658706},{"text":"Okay.","start":1354.62,"end":1354.9401,"sentiment":"neutral","sentiment_score":0.022789182141423225},{"text":"And so the port portfolio service fees, what's that?","start":1354.9401,"end":1358.3,"sentiment":"neutral","sentiment_score":0.004950839715699355},{"text":"What's that?","start":1358.3,"end":1359.055,"sentiment":"neutral","sentiment_score":-0.0011102179996669292},{"text":"That's just a normal fee to to have 24?","start":1359.055,"end":1361.7151,"sentiment":"neutral","sentiment_score":0.0031785453773207134}],"sentiment":"neutral","sentiment_score":-0.016528746246227195,"channel":1,"num_words":35,"start":1347.8201,"end":1361.7151},{"sentences":[{"text":"That's for your investments.","start":1362.135,"end":1363.355,"sentiment":"neutral","sentiment_score":0.04373917356133461},{"text":"So that's for your investment options in Hub twenty 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up.","start":1381.805,"end":1386.285,"sentiment":"neutral","sentiment_score":-0.09661736670467588},{"text":"So I'm not sure if you remember, obviously, when you when you came on board and did the advice or during last annual review, the advice fee structure And how do I it's still the same, so it hasn't gone up, and that is 1.65% of your super balance.","start":1386.285,"end":1405.85,"sentiment":"neutral","sentiment_score":-0.08260459787383372},{"text":"Now as your super balance go up, that fee will go up because it is a percentage of your super balance.","start":1406.23,"end":1412.985,"sentiment":"neutral","sentiment_score":0.015060117379540489},{"text":"Does that make sense?","start":1413.365,"end":1414.505,"sentiment":"neutral","sentiment_score":0.023910569958388805}],"sentiment":"neutral","sentiment_score":-0.010438219592796536,"channel":0,"num_words":127,"start":1368.09,"end":1414.505},{"sentences":[{"text":"Yes.","start":1415.515,"end":1415.755,"sentiment":"neutral","sentiment_score":0.07028301060199738},{"text":"So so that's that's to that's to advise the 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mean?","start":1510.795,"end":1511.595,"sentiment":"neutral","sentiment_score":-0.11833261884748936},{"text":"Where does it come from?","start":1511.595,"end":1512.555,"sentiment":"neutral","sentiment_score":-0.11945280730724335},{"text":"But why do I get charged $1,263?","start":1512.555,"end":1515.855,"sentiment":"neutral","sentiment_score":-0.1562689287321908}],"sentiment":"neutral","sentiment_score":-0.1417190283536911,"channel":1,"num_words":35,"start":1504.395,"end":1515.855},{"sentences":[{"text":"So that would be taxed from within your superannuation.","start":1516.375,"end":1519.115,"sentiment":"neutral","sentiment_score":-0.19533497426244947},{"text":"So I would have to triple check exactly what it is in regards to, and I will let you know.","start":1519.735,"end":1524.955,"sentiment":"neutral","sentiment_score":-0.05433389116078615},{"text":"But often, that would be, like, contributions and stuff going into superannuation because of the tax.","start":1525.255,"end":1532.5099,"sentiment":"neutral","sentiment_score":-0.1520171081647277},{"text":"So that would always be be the case","start":1532.8099,"end":1535.13,"sentiment":"neutral","sentiment_score":-0.09712896775454283}],"sentiment":"neutral","sentiment_score":-0.11422637857075008,"channel":0,"num_words":53,"start":1516.375,"end":1535.13},{"sentences":[{"text":"So","start":1535.0549,"end":1535.375,"sentiment":"neutral","sentiment_score":-0.07512737810611725}],"sentiment":"neutral","sentiment_score":-0.07512737810611725,"channel":1,"num_words":1,"start":1535.0549,"end":1535.375},{"sentences":[{"text":"regard","start":1535.13,"end":1535.63,"sentiment":"neutral","sentiment_score":-0.1126406192779541}],"sentiment":"neutral","sentiment_score":-0.1126406192779541,"channel":0,"num_words":1,"start":1535.13,"end":1535.63},{"sentences":[{"text":"it's tax on top of my super.","start":1535.375,"end":1537.075,"sentiment":"neutral","sentiment_score":-0.16165493428707123}],"sentiment":"neutral","sentiment_score":-0.16165493428707123,"channel":1,"num_words":7,"start":1535.375,"end":1537.075},{"sentences":[{"text":"tax within your superannuation because contributions and everything going into super is still tax.","start":1538.1699,"end":1543.07,"sentiment":"neutral","sentiment_score":-0.19488448756081717},{"text":"It is concessionally, but only at 15%.","start":1543.13,"end":1545.7899,"sentiment":"neutral","sentiment_score":-0.1548780777624675}],"sentiment":"neutral","sentiment_score":-0.18154901762803397,"channel":0,"num_words":21,"start":1538.1699,"end":1545.7899},{"sentences":[{"text":"Okay.","start":1546.75,"end":1547.0701,"sentiment":"neutral","sentiment_score":-0.018029825761914253},{"text":"So where does that money go to?","start":1547.0701,"end":1548.67,"sentiment":"neutral","sentiment_score":-0.020114837480442866},{"text":"Is it","start":1548.67,"end":1549.33,"sentiment":"neutral","sentiment_score":0.014205529354512691}],"sentiment":"neutral","sentiment_score":-0.013042262941598892,"channel":1,"num_words":10,"start":1546.75,"end":1549.33},{"sentences":[{"text":"It","start":1550.735,"end":1550.895,"sentiment":"neutral","sentiment_score":0.002943672239780426}],"sentiment":"neutral","sentiment_score":0.002943672239780426,"channel":0,"num_words":1,"start":1550.735,"end":1550.895},{"sentences":[{"text":"so","start":1550.83,"end":1550.99,"sentiment":"neutral","sentiment_score":0.012942321598529816}],"sentiment":"neutral","sentiment_score":0.012942321598529816,"channel":1,"num_words":1,"start":1550.83,"end":1550.99},{"sentences":[{"text":"will","start":1550.895,"end":1551.135,"sentiment":"neutral","sentiment_score":0.021970566362142563}],"sentiment":"neutral","sentiment_score":0.021970566362142563,"channel":0,"num_words":1,"start":1550.895,"end":1551.135},{"sentences":[{"text":"where","start":1550.99,"end":1551.23,"sentiment":"neutral","sentiment_score":0.007106751203536987}],"sentiment":"neutral","sentiment_score":0.007106751203536987,"channel":1,"num_words":1,"start":1550.99,"end":1551.23},{"sentences":[{"text":"go","start":1551.135,"end":1551.375,"sentiment":"neutral","sentiment_score":0.016794443130493164}],"sentiment":"neutral","sentiment_score":0.016794443130493164,"channel":0,"num_words":1,"start":1551.135,"end":1551.375},{"sentences":[{"text":"is","start":1551.23,"end":1551.39,"sentiment":"neutral","sentiment_score":0.02328968048095703}],"sentiment":"neutral","sentiment_score":0.02328968048095703,"channel":1,"num_words":1,"start":1551.23,"end":1551.39},{"sentences":[{"text":"through","start":1551.375,"end":1551.5349,"sentiment":"neutral","sentiment_score":0.0059907324612140656}],"sentiment":"neutral","sentiment_score":0.0059907324612140656,"channel":0,"num_words":1,"start":1551.375,"end":1551.5349},{"sentences":[{"text":"that?","start":1551.39,"end":1551.89,"sentiment":"neutral","sentiment_score":0.012216785922646524}],"sentiment":"neutral","sentiment_score":0.012216785922646524,"channel":1,"num_words":1,"start":1551.39,"end":1551.89},{"sentences":[{"text":"like, it will be within the hub like, within your super funds.","start":1552.495,"end":1556.115,"sentiment":"neutral","sentiment_score":0.03751312646393975},{"text":"So it will be, like, taxed within within that, that gets paid.","start":1556.335,"end":1559.395,"sentiment":"neutral","sentiment_score":0.021049158958097298}],"sentiment":"neutral","sentiment_score":0.02928114271101852,"channel":0,"num_words":24,"start":1552.495,"end":1559.395},{"sentences":[{"text":"So what is that is that is that is that is that Hub 24 or or IQ?","start":1560.345,"end":1565.145,"sentiment":"neutral","sentiment_score":0.018553404466194266},{"text":"Or where does it go?","start":1565.145,"end":1566.6849,"sentiment":"neutral","sentiment_score":-0.007945835590362549}],"sentiment":"neutral","sentiment_score":0.012530849907885899,"channel":1,"num_words":22,"start":1560.345,"end":1566.6849},{"sentences":[{"text":"Not not not to where you wouldn't get anything.","start":1566.22,"end":1568.7799,"sentiment":"neutral","sentiment_score":-0.1163573380973604},{"text":"It will be all within the the super fund, and then they would obviously pay tax within the super fund, and then they are liable to pay things to the HEO as well, how that system works.","start":1568.7799,"end":1578.4149,"sentiment":"neutral","sentiment_score":-0.09157521106504105}],"sentiment":"neutral","sentiment_score":-0.09642388809310354,"channel":0,"num_words":46,"start":1566.22,"end":1578.4149},{"sentences":[{"text":"Okay.","start":1580.24,"end":1580.74,"sentiment":"neutral","sentiment_score":0.058130621910095215}],"sentiment":"neutral","sentiment_score":0.058130621910095215,"channel":1,"num_words":1,"start":1580.24,"end":1580.74},{"sentences":[{"text":"But yeah.","start":1580.395,"end":1580.715,"sentiment":"neutral","sentiment_score":0.06266695261001587},{"text":"No.","start":1580.715,"end":1580.875,"sentiment":"neutral","sentiment_score":-0.0030597299337387085},{"text":"That would not be to us or anything like that.","start":1580.875,"end":1582.715,"sentiment":"neutral","sentiment_score":-0.111626485735178},{"text":"But I will triple check exactly.","start":1582.715,"end":1584.8099,"sentiment":"neutral","sentiment_score":0.16032545020182928},{"text":"I will go through a bit more extensive when I do the research on all your transactions just to make sure that all looks good for you as well.","start":1584.8099,"end":1591.71,"sentiment":"positive","sentiment_score":0.4021970830087004}],"sentiment":"neutral","sentiment_score":0.24232661304995418,"channel":0,"num_words":48,"start":1580.395,"end":1591.71},{"sentences":[{"text":"Okay.","start":1593.015,"end":1593.515,"sentiment":"neutral","sentiment_score":0.13575902581214905},{"text":"Alright.","start":1596.055,"end":1596.555,"sentiment":"neutral","sentiment_score":0.12704044580459595},{"text":"Okay.","start":1598.6951,"end":1599.015,"sentiment":"neutral","sentiment_score":0.09203442186117172},{"text":"What what what else needs to be talked about?","start":1599.015,"end":1601.015,"sentiment":"neutral","sentiment_score":0.08497605472803116},{"text":"Are you gonna show me around the site, are you?","start":1601.015,"end":1603.275,"sentiment":"neutral","sentiment_score":0.0728479191660881}],"sentiment":"neutral","sentiment_score":0.08400443534959447,"channel":1,"num_words":22,"start":1593.015,"end":1603.275},{"sentences":[{"text":"Am I what?","start":1604.185,"end":1604.745,"sentiment":"neutral","sentiment_score":0.02146977496643861},{"text":"Sorry?","start":1604.745,"end":1605.245,"sentiment":"neutral","sentiment_score":0.004259131848812103}],"sentiment":"neutral","sentiment_score":0.017167114187031984,"channel":0,"num_words":4,"start":1604.185,"end":1605.245},{"sentences":[{"text":"Gonna show me around how to use the the website?","start":1605.61,"end":1608.75,"sentiment":"neutral","sentiment_score":0.06119573302567005}],"sentiment":"neutral","sentiment_score":0.06119573302567005,"channel":1,"num_words":10,"start":1605.61,"end":1608.75},{"sentences":[{"text":"Yes.","start":1609.88,"end":1610.12,"sentiment":"neutral","sentiment_score":0.1204066276550293},{"text":"I can if you would like to.","start":1610.12,"end":1611.58,"sentiment":"neutral","sentiment_score":0.12067753289427076},{"text":"So in the so what I meant was the report.","start":1612.28,"end":1615.16,"sentiment":"neutral","sentiment_score":0.036341301165521145},{"text":"Sorry.","start":1615.16,"end":1615.56,"sentiment":"neutral","sentiment_score":-0.0016749333590269089},{"text":"In your hub 24, are you on the account at the moment?","start":1615.56,"end":1618.46,"sentiment":"neutral","sentiment_score":0.025715365074574947}],"sentiment":"neutral","sentiment_score":0.052757155390516404,"channel":0,"num_words":31,"start":1609.88,"end":1618.46},{"sentences":[{"text":"Yes.","start":1618.73,"end":1618.97,"sentiment":"neutral","sentiment_score":0.03197011351585388},{"text":"I am.","start":1618.97,"end":1619.625,"sentiment":"neutral","sentiment_score":0.1607527956366539}],"sentiment":"neutral","sentiment_score":0.11782523492972057,"channel":1,"num_words":3,"start":1618.73,"end":1619.625},{"sentences":[{"text":"Yep.","start":1619.895,"end":1620.395,"sentiment":"neutral","sentiment_score":0.24141904711723328},{"text":"So a good way as well, especially to because the good thing with hub twenty four is that gives you all that transparency that you can pull a lot of different reports.","start":1620.615,"end":1627.675,"sentiment":"positive","sentiment_score":0.6254558581858873},{"text":"So do you have at the top where you have, like, three little dot points?","start":1628.055,"end":1632.795,"sentiment":"neutral","sentiment_score":0.2188947707414627},{"text":"And it will give you, like, a drop down of portfolio, reports, withdrawals, investments.","start":1634.14,"end":1640.0,"sentiment":"neutral","sentiment_score":0.18040032365492412}],"sentiment":"positive","sentiment_score":0.4204037516347824,"channel":0,"num_words":62,"start":1619.895,"end":1640.0},{"sentences":[{"text":"Yes.","start":1640.77,"end":1641.27,"sentiment":"neutral","sentiment_score":0.11882149428129196}],"sentiment":"neutral","sentiment_score":0.11882149428129196,"channel":1,"num_words":1,"start":1640.77,"end":1641.27},{"sentences":[{"text":"Can you see that?","start":1640.9401,"end":1641.74,"sentiment":"neutral","sentiment_score":0.10812826827168465},{"text":"Yep.","start":1641.74,"end":1642.24,"sentiment":"neutral","sentiment_score":0.14758709073066711},{"text":"So where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at.","start":1642.38,"end":1657.135,"sentiment":"neutral","sentiment_score":0.22199161009242138},{"text":"So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction.","start":1657.135,"end":1666.04,"sentiment":"neutral","sentiment_score":0.2445667153596878},{"text":"So there's a lot of really good thing within the Hub 24 app that gives you kind of that transparency when it comes through all your investments and everything like that.","start":1667.4601,"end":1677.585,"sentiment":"positive","sentiment_score":0.5767822909739709}],"sentiment":"neutral","sentiment_score":0.32321207662788004,"channel":0,"num_words":109,"start":1640.9401,"end":1677.585},{"sentences":[{"text":"But talking about your investments, if you go back into the email for me let me see here.","start":1678.065,"end":1685.445,"sentiment":"neutral","sentiment_score":0.0006371587514877319},{"text":"Seems like there's, like, a little bit of a glitch here for me.","start":1699.28,"end":1703.5399,"sentiment":"neutral","sentiment_score":-0.22701309162836808},{"text":"What I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you.","start":1707.0349,"end":1716.495,"sentiment":"neutral","sentiment_score":0.10007139487612632},{"text":"But while you are in the portal, we can actually have a look at it, and it's the one that's called performance with IRR.","start":1716.67,"end":1722.37,"sentiment":"neutral","sentiment_score":0.08147457707673311},{"text":"Can you see that little function?","start":1723.95,"end":1725.49,"sentiment":"neutral","sentiment_score":0.04419958281020323}],"sentiment":"neutral","sentiment_score":0.02590325276326874,"channel":0,"num_words":92,"start":1678.065,"end":1725.49},{"sentences":[{"text":"Yep.","start":1726.14,"end":1726.64,"sentiment":"neutral","sentiment_score":0.06624528020620346}],"sentiment":"neutral","sentiment_score":0.06624528020620346,"channel":1,"num_words":1,"start":1726.14,"end":1726.64},{"sentences":[{"text":"Yep.","start":1727.15,"end":1727.47,"sentiment":"neutral","sentiment_score":0.1244439110159874},{"text":"Perfect.","start":1727.47,"end":1727.97,"sentiment":"neutral","sentiment_score":0.2757079005241394},{"text":"Now you can pull usually, we look at a twelve month period, but it will allow you to do a lot of different date ranges depending on what you wanna look at.","start":1728.43,"end":1739.225,"sentiment":"neutral","sentiment_score":0.11870374088175595},{"text":"But, typically, for the under review, we do look at a twelve month period.","start":1739.225,"end":1744.0449,"sentiment":"neutral","sentiment_score":0.057787008583545685},{"text":"Let me just wait for that to load.","start":1746.4299,"end":1748.2899,"sentiment":"neutral","sentiment_score":0.04740728856995702}],"sentiment":"neutral","sentiment_score":0.09619549908010024,"channel":0,"num_words":56,"start":1727.15,"end":1748.2899},{"sentences":[{"text":"So what's I r r?","start":1752.755,"end":1754.375,"sentiment":"neutral","sentiment_score":0.016753999143838884}],"sentiment":"neutral","sentiment_score":0.016753999143838884,"channel":1,"num_words":5,"start":1752.755,"end":1754.375},{"sentences":[{"text":"Yeah.","start":1755.39,"end":1755.63,"sentiment":"neutral","sentiment_score":0.014731626957654951},{"text":"So that is internal rate of return.","start":1755.63,"end":1758.0499,"sentiment":"neutral","sentiment_score":0.024152853127036775},{"text":"Now let me just wait for my computer to load here.","start":1758.745,"end":1761.625,"sentiment":"neutral","sentiment_score":0.008277051489461552},{"text":"It does take a little bit of a minute.","start":1761.625,"end":1763.645,"sentiment":"neutral","sentiment_score":-0.04639891493651602},{"text":"Sorry.","start":1769.945,"end":1770.265,"sentiment":"neutral","sentiment_score":-0.0696692019701004}],"sentiment":"neutral","sentiment_score":-0.007324492109232935,"channel":0,"num_words":29,"start":1755.39,"end":1770.265},{"sentences":[{"text":"Just","start":1770.265,"end":1770.505,"sentiment":"neutral","sentiment_score":-0.056521233171224594}],"sentiment":"neutral","sentiment_score":-0.056521233171224594,"channel":0,"num_words":1,"start":1770.265,"end":1770.505},{"sentences":[{"text":"R?","start":1770.3201,"end":1770.585,"sentiment":"neutral","sentiment_score":-0.05768750607967377}],"sentiment":"neutral","sentiment_score":-0.05768750607967377,"channel":1,"num_words":1,"start":1770.3201,"end":1770.585},{"sentences":[{"text":"bear with me.","start":1770.505,"end":1770.985,"sentiment":"neutral","sentiment_score":-0.12536782026290894},{"text":"My computer's leaning a little bit slow here.","start":1770.985,"end":1772.96,"sentiment":"neutral","sentiment_score":-0.29070115834474564},{"text":"I'm just trying to download this one.","start":1772.96,"end":1774.78,"sentiment":"neutral","sentiment_score":-0.1327758410147258},{"text":"Could you find that function okay on your end?","start":1779.56,"end":1781.9,"sentiment":"neutral","sentiment_score":-0.05197392072942522}],"sentiment":"neutral","sentiment_score":-0.15181144078572592,"channel":0,"num_words":27,"start":1770.505,"end":1781.9},{"sentences":[{"text":"Nope.","start":1782.1849,"end":1782.6,"sentiment":"neutral","sentiment_score":-0.09133309870958328}],"sentiment":"neutral","sentiment_score":-0.09133309870958328,"channel":1,"num_words":1,"start":1782.1849,"end":1782.6},{"sentences":[{"text":"Yeah.","start":1783.3201,"end":1783.64,"sentiment":"neutral","sentiment_score":0.08382473886013031},{"text":"Okay.","start":1783.64,"end":1784.14,"sentiment":"neutral","sentiment_score":0.0786503329873085},{"text":"So that one here.","start":1787.8151,"end":1788.855,"sentiment":"neutral","sentiment_score":0.07521800324320793},{"text":"So if you through the twelve month period, you will see from the 06/16/2025 through the 06/15/2026.","start":1788.855,"end":1799.035,"sentiment":"neutral","sentiment_score":0.07419817763216355},{"text":"And did it give you a bit of a report, like a PDF version popped down when you clicked on the internal rate of return?","start":1799.64,"end":1806.14,"sentiment":"neutral","sentiment_score":0.07028165847063064}],"sentiment":"neutral","sentiment_score":0.07253661596526702,"channel":0,"num_words":48,"start":1783.3201,"end":1806.14},{"sentences":[{"text":"Yep.","start":1807.265,"end":1807.665,"sentiment":"neutral","sentiment_score":0.07727255672216415},{"text":"I've got it at the 07/01/2025 to the 06/12/2026.","start":1807.665,"end":1813.86,"sentiment":"neutral","sentiment_score":0.04958028925789727}],"sentiment":"neutral","sentiment_score":0.05234951600432396,"channel":1,"num_words":10,"start":1807.265,"end":1813.86},{"sentences":[{"text":"Okay.","start":1814.615,"end":1815.015,"sentiment":"neutral","sentiment_score":0.10208861529827118},{"text":"Because I just did the twelve month from today.","start":1815.015,"end":1817.5951,"sentiment":"neutral","sentiment_score":0.11674734287791783},{"text":"So just from the June 16 to '25 to 06/15/2026, but I can send you this report after so you have that twelve month report that I'm looking at as well.","start":1818.375,"end":1829.29,"sentiment":"neutral","sentiment_score":0.1750124892400157},{"text":"But to give you kind of an update on your investments and everything like that, now in the last twelve months, this shows you how your return of your investments have been.","start":1830.31,"end":1841.895,"sentiment":"neutral","sentiment_score":0.27000828366726637},{"text":"Now you are obviously in an aggressive portfolio, so we do see a bit of fluctuations because of it, especially when there's a bit of market fluctuations.","start":1843.015,"end":1850.555,"sentiment":"neutral","sentiment_score":-0.15003050311847968}],"sentiment":"neutral","sentiment_score":0.1116764336079359,"channel":0,"num_words":100,"start":1814.615,"end":1850.555},{"sentences":[{"text":"Now despite that, though, and I will send you this report, and so I will send you a new updated email afterwards, that tells us that in the last twelve months, now this is just return on your investment.","start":1851.655,"end":1864.1101,"sentiment":"neutral","sentiment_score":0.2665630070826946},{"text":"So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months.","start":1864.17,"end":1877.285,"sentiment":"positive","sentiment_score":0.4764835275709629}],"sentiment":"positive","sentiment_score":0.36117507265487186,"channel":0,"num_words":71,"start":1851.655,"end":1877.285},{"sentences":[{"text":"Hello?","start":1879.36,"end":1879.86,"sentiment":"neutral","sentiment_score":0.22213494777679443}],"sentiment":"neutral","sentiment_score":0.22213494777679443,"channel":1,"num_words":1,"start":1879.36,"end":1879.86},{"sentences":[{"text":"But I will send you this document so you can have a look at that as well, but it does break down all your investments and how they have performed.","start":1880.385,"end":1886.725,"sentiment":"neutral","sentiment_score":0.22527508040269215},{"text":"Now when I do send it through to you, you will have a bit of a look that most of your investments have done really well.","start":1887.4199,"end":1893.9199,"sentiment":"neutral","sentiment_score":0.2781099264438336},{"text":"But there is one investment that part of the research I would like to look at swapping for you, and that is your Benelung Australian equity fund.","start":1894.5399,"end":1905.105,"sentiment":"neutral","sentiment_score":0.06341083954881739},{"text":"You can probably see even though you have a different time frames, it would be similar where that one is down at the moment.","start":1905.485,"end":1913.105,"sentiment":"neutral","sentiment_score":-0.04093534887457887},{"text":"And it can fluctuate because it is a managed fund, but the purpose of it is to actively buy and sell different investments in order to kinda outperform the market.","start":1914.13,"end":1923.43,"sentiment":"neutral","sentiment_score":0.04954647781948249}],"sentiment":"neutral","sentiment_score":0.11828576006593496,"channel":0,"num_words":137,"start":1880.385,"end":1923.43},{"sentences":[{"text":"Now they have done really well and been very successful at doing so, but more recently, they have been a little bit slower in making those decisions.","start":1924.61,"end":1933.055,"sentiment":"neutral","sentiment_score":-0.1963272369294255},{"text":"And the investment committee do research all the time on the investment.","start":1933.995,"end":1938.015,"sentiment":"neutral","sentiment_score":-0.23465358403821787},{"text":"And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be.","start":1938.475,"end":1954.12,"sentiment":"neutral","sentiment_score":-0.007987465422887068},{"text":"So part of the research is that I will consider swapping that one for another 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what about what about the note three?","start":2167.075,"end":2169.395,"sentiment":"neutral","sentiment_score":-0.0019014532444998622},{"text":"What what what does that mean?","start":2169.395,"end":2170.9949,"sentiment":"neutral","sentiment_score":-0.03178457791606585},{"text":"Why is that higher?","start":2170.9949,"end":2172.135,"sentiment":"neutral","sentiment_score":-0.03923434391617775}],"sentiment":"neutral","sentiment_score":-0.020158692728728056,"channel":1,"num_words":18,"start":2167.075,"end":2172.135},{"sentences":[{"text":"Note three.","start":2173.5298,"end":2174.5898,"sentiment":"neutral","sentiment_score":-0.00778587837703526}],"sentiment":"neutral","sentiment_score":-0.00778587837703526,"channel":0,"num_words":2,"start":2173.5298,"end":2174.5898},{"sentences":[{"text":"So the far right IRR, internal rate of 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of return for number two will show you the time frame that you pull the report versus note three is then showing you a twelve month period.","start":2191.23,"end":2201.33,"sentiment":"neutral","sentiment_score":0.05297665737037148},{"text":"So that would be the difference between those.","start":2201.3901,"end":2203.275,"sentiment":"neutral","sentiment_score":0.06190354283899069},{"text":"But because I did twelve months, it's exactly the same for me.","start":2203.4348,"end":2206.7349,"sentiment":"neutral","sentiment_score":0.09903599818547566}],"sentiment":"neutral","sentiment_score":0.0659793068189174,"channel":0,"num_words":48,"start":2191.23,"end":2206.7349},{"sentences":[{"text":"Okay.","start":2206.9749,"end":2207.4749,"sentiment":"neutral","sentiment_score":0.05702897533774376}],"sentiment":"neutral","sentiment_score":0.05702897533774376,"channel":1,"num_words":1,"start":2206.9749,"end":2207.4749},{"sentences":[{"text":"Yeah.","start":2208.1548,"end":2208.6548,"sentiment":"neutral","sentiment_score":0.021235913038253784},{"text":"So that is a very good question.","start":2208.875,"end":2210.255,"sentiment":"positive","sentiment_score":0.5909723426614489}],"sentiment":"positive","sentiment_score":0.5197552889585495,"channel":0,"num_words":8,"start":2208.1548,"end":2210.255},{"sentences":[{"text":"Alright.","start":2211.76,"end":2212.24,"sentiment":"positive","sentiment_score":0.337984561920166},{"text":"Okay.","start":2212.24,"end":2212.74,"sentiment":"positive","sentiment_score":0.3374709486961365}],"sentiment":"positive","sentiment_score":0.33772775530815125,"channel":1,"num_words":2,"start":2211.76,"end":2212.74},{"sentences":[{"text":"Yep.","start":2212.9548,"end":2213.4548,"sentiment":"neutral","sentiment_score":0.2744901776313782}],"sentiment":"neutral","sentiment_score":0.2744901776313782,"channel":0,"num_words":1,"start":2212.9548,"end":2213.4548},{"sentences":[{"text":"Alright.","start":2221.92,"end":2222.415,"sentiment":"positive","sentiment_score":0.436160147190094},{"text":"That's good.","start":2223.855,"end":2224.7551,"sentiment":"positive","sentiment_score":0.682852566242218}],"sentiment":"positive","sentiment_score":0.60062175989151,"channel":1,"num_words":3,"start":2221.92,"end":2224.7551},{"sentences":[{"text":"Okay.","start":2227.29,"end":2227.69,"sentiment":"positive","sentiment_score":0.5694857835769653},{"text":"Perfect.","start":2227.69,"end":2228.19,"sentiment":"positive","sentiment_score":0.6571459770202637},{"text":"Now like I said, David, I will go and do some research on your investment.","start":2229.505,"end":2235.205,"sentiment":"neutral","sentiment_score":0.17594228436549506},{"text":"Put a proposal together for you where you can see everything.","start":2237.025,"end":2241.445,"sentiment":"neutral","sentiment_score":0.19840280711650848},{"text":"Now the other thing is just your insurances as well.","start":2243.09,"end":2247.6702,"sentiment":"neutral","sentiment_score":0.05268138833343983}],"sentiment":"neutral","sentiment_score":0.1730265996762012,"channel":0,"num_words":38,"start":2227.29,"end":2247.6702},{"sentences":[{"text":"So you do have some insurances with MetLife.","start":2248.05,"end":2252.3901,"sentiment":"neutral","sentiment_score":0.05147110065445304},{"text":"Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund?","start":2253.57,"end":2260.3552,"sentiment":"neutral","sentiment_score":0.04472583759090175}],"sentiment":"neutral","sentiment_score":0.04646655063956014,"channel":0,"num_words":31,"start":2248.05,"end":2260.3552},{"sentences":[{"text":"No.","start":2262.1702,"end":2262.49,"sentiment":"neutral","sentiment_score":-0.09528791159391405},{"text":"So explain that to me.","start":2262.49,"end":2264.09,"sentiment":"neutral","sentiment_score":-0.061005016416311265},{"text":"Just the insurance this insurance is just insurance for my my desk and so forth.","start":2264.09,"end":2271.05,"sentiment":"neutral","sentiment_score":-0.03423990209897359},{"text":"Is that right?","start":2271.05,"end":2271.87,"sentiment":"neutral","sentiment_score":0.004078594346841177}],"sentiment":"neutral","sentiment_score":-0.037569822588314615,"channel":1,"num_words":24,"start":2262.1702,"end":2271.87},{"sentences":[{"text":"Correct.","start":2272.28,"end":2272.78,"sentiment":"neutral","sentiment_score":0.06240978091955185},{"text":"So you have you have a little bit of everything.","start":2273.08,"end":2276.1401,"sentiment":"neutral","sentiment_score":0.05584239587187767},{"text":"So part of the document that I will send you afterwards as well, it will break down all of that in detail for you when the system is cooperating with me.","start":2277.0,"end":2285.055,"sentiment":"neutral","sentiment_score":0.0791701190173626},{"text":"Cooperating with me.","start":2285.135,"end":2286.035,"sentiment":"neutral","sentiment_score":0.04965191210309664},{"text":"Now what you have at the moment, so you have insurances paid from within hub twenty four.","start":2286.335,"end":2292.255,"sentiment":"neutral","sentiment_score":-0.024882086936165306}],"sentiment":"neutral","sentiment_score":0.04517851108985563,"channel":0,"num_words":62,"start":2272.28,"end":2292.255},{"sentences":[{"text":"So if it is that you want to change super funds, you'd have to be mindful of the insurances.","start":2292.255,"end":2298.655,"sentiment":"neutral","sentiment_score":-0.07138288099514811},{"text":"Because let's say you cancel hub twenty four, because that is where your MetLife insurances are paid for.","start":2298.655,"end":2304.51,"sentiment":"neutral","sentiment_score":-0.07583196274936199},{"text":"If there's no funds for it, they can get canceled unless you change where they get paid from.","start":2304.81,"end":2309.79,"sentiment":"neutral","sentiment_score":-0.13093811811672318},{"text":"But what you have at the moment, which, like I said, I will send to you after the call so that you have all that information, is that you have 320,000 worth of life cover.","start":2310.09,"end":2324.385,"sentiment":"neutral","sentiment_score":-0.001845708382981164},{"text":"So that is if something were to happen to you and you would pass away, that would then be paid to your kid.","start":2324.385,"end":2329.605,"sentiment":"neutral","sentiment_score":-0.0340852713941232}],"sentiment":"neutral","sentiment_score":-0.052448648052801077,"channel":0,"num_words":113,"start":2292.255,"end":2329.605},{"sentences":[{"text":"You also","start":2330.83,"end":2331.55,"sentiment":"neutral","sentiment_score":0.007039358839392662}],"sentiment":"neutral","sentiment_score":0.007039358839392662,"channel":0,"num_words":2,"start":2330.83,"end":2331.55},{"sentences":[{"text":"Yep.","start":2331.27,"end":2331.77,"sentiment":"neutral","sentiment_score":0.012835673056542872}],"sentiment":"neutral","sentiment_score":0.012835673056542872,"channel":1,"num_words":1,"start":2331.27,"end":2331.77},{"sentences":[{"text":"have 320,000 worth of total permanent disability insurance.","start":2331.55,"end":2338.13,"sentiment":"neutral","sentiment_score":-0.0021372989285737276},{"text":"So that is if something were to happen to you and you were to become totally and permanently disabled and could never go back to work again.","start":2338.67,"end":2346.815,"sentiment":"neutral","sentiment_score":-0.007603491346041362},{"text":"That would then be paid up to you.","start":2347.115,"end":2349.035,"sentiment":"neutral","sentiment_score":0.030997396213933825},{"text":"Okay?","start":2349.035,"end":2349.535,"sentiment":"neutral","sentiment_score":0.02766711451113224}],"sentiment":"neutral","sentiment_score":0.0012103096920658243,"channel":0,"num_words":44,"start":2331.55,"end":2349.535},{"sentences":[{"text":"Yep.","start":2350.22,"end":2350.72,"sentiment":"neutral","sentiment_score":0.032910749316215515}],"sentiment":"neutral","sentiment_score":0.032910749316215515,"channel":1,"num_words":1,"start":2350.22,"end":2350.72},{"sentences":[{"text":"And then you also have an income protection policy.","start":2351.195,"end":2354.635,"sentiment":"neutral","sentiment_score":0.022987134754657745},{"text":"Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work.","start":2354.635,"end":2364.08,"sentiment":"neutral","sentiment_score":0.02099008820950985},{"text":"Now that pays you a monthly amount, and that will be $4,900 on a monthly basis.","start":2364.62,"end":2372.1602,"sentiment":"neutral","sentiment_score":0.057398687582463026},{"text":"You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid.","start":2373.305,"end":2383.2449,"sentiment":"neutral","sentiment_score":-0.00939450467315813},{"text":"And then you have a two year benefit period, which means that it will be for a two year up to two years, you could be on this income protection policy for if you are eligible.","start":2383.9448,"end":2395.6099,"sentiment":"neutral","sentiment_score":0.1369379951308171}],"sentiment":"neutral","sentiment_score":0.0595177589605252,"channel":0,"num_words":105,"start":2351.195,"end":2395.6099},{"sentences":[{"text":"Does that make sense?","start":2395.83,"end":2396.97,"sentiment":"neutral","sentiment_score":0.12338872998952866}],"sentiment":"neutral","sentiment_score":0.12338872998952866,"channel":0,"num_words":4,"start":2395.83,"end":2396.97},{"sentences":[{"text":"Yep.","start":2397.675,"end":2398.175,"sentiment":"neutral","sentiment_score":0.12900887429714203},{"text":"Yep.","start":2398.635,"end":2399.135,"sentiment":"neutral","sentiment_score":0.1680256724357605}],"sentiment":"neutral","sentiment_score":0.14851727336645126,"channel":1,"num_words":2,"start":2397.675,"end":2399.135},{"sentences":[{"text":"Yep.","start":2398.725,"end":2399.205,"sentiment":"positive","sentiment_score":0.3818052411079407},{"text":"Perfect.","start":2399.205,"end":2399.705,"sentiment":"positive","sentiment_score":0.6845600008964539},{"text":"Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per.","start":2400.645,"end":2414.46,"sentiment":"neutral","sentiment_score":0.14445011227419882}],"sentiment":"neutral","sentiment_score":0.1666633984872273,"channel":0,"num_words":35,"start":2398.725,"end":2414.46},{"sentences":[{"text":"So you have to pay the 2,020, that that premium to get the payout figure?","start":2415.33,"end":2422.9949,"sentiment":"neutral","sentiment_score":0.09950000842412313}],"sentiment":"neutral","sentiment_score":0.09950000842412313,"channel":1,"num_words":15,"start":2415.33,"end":2422.9949},{"sentences":[{"text":"What was that?","start":2424.14,"end":2424.7,"sentiment":"neutral","sentiment_score":0.02110436682899793},{"text":"Sorry, David.","start":2424.7,"end":2425.26,"sentiment":"neutral","sentiment_score":-0.09130546450614929},{"text":"I you just cut out a little bit for me.","start":2425.26,"end":2427.165,"sentiment":"neutral","sentiment_score":-0.13546282202005386}],"sentiment":"neutral","sentiment_score":-0.0982617365817229,"channel":0,"num_words":15,"start":2424.14,"end":2427.165},{"sentences":[{"text":"So you'd have to pay the premium of 2,000 whatever you just said to be able to get your your your payout figure of disability","start":2427.2148,"end":2437.19,"sentiment":"neutral","sentiment_score":-0.014505783580243587}],"sentiment":"neutral","sentiment_score":-0.014505783580243587,"channel":1,"num_words":25,"start":2427.2148,"end":2437.19},{"sentences":[{"text":"Correct.","start":2437.085,"end":2437.585,"sentiment":"neutral","sentiment_score":0.0061715468764305115}],"sentiment":"neutral","sentiment_score":0.0061715468764305115,"channel":0,"num_words":1,"start":2437.085,"end":2437.585},{"sentences":[{"text":"or","start":2437.19,"end":2437.44,"sentiment":"neutral","sentiment_score":0.012108834460377691}],"sentiment":"neutral","sentiment_score":0.012108834460377691,"channel":1,"num_words":1,"start":2437.19,"end":2437.44},{"sentences":[{"text":"Correct.","start":2438.445,"end":2438.925,"sentiment":"neutral","sentiment_score":0.034843891859054565}],"sentiment":"neutral","sentiment_score":0.034843891859054565,"channel":0,"num_words":1,"start":2438.445,"end":2438.925},{"sentences":[{"text":"yep.","start":2438.48,"end":2438.98,"sentiment":"neutral","sentiment_score":0.04759982228279114}],"sentiment":"neutral","sentiment_score":0.04759982228279114,"channel":1,"num_words":1,"start":2438.48,"end":2438.98},{"sentences":[{"text":"So every year, you have to pay that 2,320 in order to have that cover in place if something were to happen.","start":2438.925,"end":2447.26,"sentiment":"neutral","sentiment_score":0.06722333434630524}],"sentiment":"neutral","sentiment_score":0.06722333434630524,"channel":0,"num_words":22,"start":2438.925,"end":2447.26},{"sentences":[{"text":"Yep.","start":2448.515,"end":2449.015,"sentiment":"neutral","sentiment_score":0.09274839609861374}],"sentiment":"neutral","sentiment_score":0.09274839609861374,"channel":1,"num_words":1,"start":2448.515,"end":2449.015},{"sentences":[{"text":"Yep.","start":2449.88,"end":2450.38,"sentiment":"neutral","sentiment_score":0.10486330091953278}],"sentiment":"neutral","sentiment_score":0.10486330091953278,"channel":0,"num_words":1,"start":2449.88,"end":2450.38},{"sentences":[{"text":"Yes.","start":2450.355,"end":2450.855,"sentiment":"neutral","sentiment_score":0.12146100401878356}],"sentiment":"neutral","sentiment_score":0.12146100401878356,"channel":1,"num_words":1,"start":2450.355,"end":2450.855},{"sentences":[{"text":"Now","start":2451.16,"end":2451.66,"sentiment":"neutral","sentiment_score":0.10217877477407455}],"sentiment":"neutral","sentiment_score":0.10217877477407455,"channel":0,"num_words":1,"start":2451.16,"end":2451.66},{"sentences":[{"text":"Now","start":2451.4749,"end":2451.9749,"sentiment":"neutral","sentiment_score":0.09375461935997008}],"sentiment":"neutral","sentiment_score":0.09375461935997008,"channel":1,"num_words":1,"start":2451.4749,"end":2451.9749},{"sentences":[{"text":"do you have any questions in regards to your insurances?","start":2451.8,"end":2454.3,"sentiment":"neutral","sentiment_score":0.07091798819601536},{"text":"Part of","start":2454.68,"end":2455.0798,"sentiment":"neutral","sentiment_score":0.02928181830793619}],"sentiment":"neutral","sentiment_score":0.06397862654800217,"channel":0,"num_words":12,"start":2451.8,"end":2455.0798},{"sentences":[{"text":"So","start":2455.075,"end":2455.315,"sentiment":"neutral","sentiment_score":0.022466886788606644}],"sentiment":"neutral","sentiment_score":0.022466886788606644,"channel":1,"num_words":1,"start":2455.075,"end":2455.315},{"sentences":[{"text":"the reason","start":2455.0798,"end":2455.4,"sentiment":"neutral","sentiment_score":0.022538580000400543}],"sentiment":"neutral","sentiment_score":0.022538580000400543,"channel":0,"num_words":2,"start":2455.0798,"end":2455.4},{"sentences":[{"text":"the","start":2455.315,"end":2455.555,"sentiment":"neutral","sentiment_score":0.029357055202126503}],"sentiment":"neutral","sentiment_score":0.029357055202126503,"channel":1,"num_words":1,"start":2455.315,"end":2455.555},{"sentences":[{"text":"Mhmm.","start":2455.48,"end":2455.98,"sentiment":"neutral","sentiment_score":0.025576256215572357}],"sentiment":"neutral","sentiment_score":0.025576256215572357,"channel":0,"num_words":1,"start":2455.48,"end":2455.98},{"sentences":[{"text":"insurance the insurance comes out of my my my hub 24, my Subaru.","start":2455.555,"end":2462.44,"sentiment":"neutral","sentiment_score":0.03865514939221052}],"sentiment":"neutral","sentiment_score":0.03865514939221052,"channel":1,"num_words":13,"start":2455.555,"end":2462.44},{"sentences":[{"text":"Correct.","start":2462.2449,"end":2462.7449,"sentiment":"neutral","sentiment_score":0.05660787969827652}],"sentiment":"neutral","sentiment_score":0.05660787969827652,"channel":0,"num_words":1,"start":2462.2449,"end":2462.7449},{"sentences":[{"text":"Is that right?","start":2462.5,"end":2463.32,"sentiment":"neutral","sentiment_score":0.06665171931187312}],"sentiment":"neutral","sentiment_score":0.06665171931187312,"channel":1,"num_words":3,"start":2462.5,"end":2463.32},{"sentences":[{"text":"Correct.","start":2463.525,"end":2464.025,"sentiment":"neutral","sentiment_score":0.0506410151720047},{"text":"Yes.","start":2464.2449,"end":2464.7449,"sentiment":"neutral","sentiment_score":0.04751797392964363}],"sentiment":"neutral","sentiment_score":0.049079494550824165,"channel":0,"num_words":2,"start":2463.525,"end":2464.7449},{"sentences":[{"text":"So sorry.","start":2465.7,"end":2466.3398,"sentiment":"neutral","sentiment_score":0.004751267842948437},{"text":"Could you give me that amount again?","start":2466.3398,"end":2468.0999,"sentiment":"neutral","sentiment_score":0.014972199286733354},{"text":"2,000.","start":2468.0999,"end":2468.8398,"sentiment":"neutral","sentiment_score":0.027692824602127075}],"sentiment":"neutral","sentiment_score":0.014200075529515743,"channel":1,"num_words":10,"start":2465.7,"end":2468.8398},{"sentences":[{"text":"2,320 and 56¢.","start":2469.48,"end":2474.46,"sentiment":"neutral","sentiment_score":0.035329184494912624},{"text":"It will also be on the document that I will reissue to you after the call today so you have it all in writing as well.","start":2474.76,"end":2480.7,"sentiment":"neutral","sentiment_score":0.08197858313528392}],"sentiment":"neutral","sentiment_score":0.07864648323240024,"channel":0,"num_words":29,"start":2469.48,"end":2480.7},{"sentences":[{"text":"That's Netlife Insurance.","start":2482.035,"end":2484.215,"sentiment":"neutral","sentiment_score":0.10589902848005295}],"sentiment":"neutral","sentiment_score":0.10589902848005295,"channel":1,"num_words":3,"start":2482.035,"end":2484.215},{"sentences":[{"text":"Correct.","start":2484.2148,"end":2484.7148,"sentiment":"neutral","sentiment_score":0.0992855653166771},{"text":"Yes.","start":2484.9348,"end":2485.4348,"sentiment":"neutral","sentiment_score":0.1003694236278534}],"sentiment":"neutral","sentiment_score":0.09982749447226524,"channel":0,"num_words":2,"start":2484.2148,"end":2485.4348},{"sentences":[{"text":"Right.","start":2487.155,"end":2487.57,"sentiment":"neutral","sentiment_score":0.09908132255077362},{"text":"Okay.","start":2487.81,"end":2488.31,"sentiment":"neutral","sentiment_score":0.08144036680459976}],"sentiment":"neutral","sentiment_score":0.09026084467768669,"channel":1,"num_words":2,"start":2487.155,"end":2488.31},{"sentences":[{"text":"Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover?","start":2491.095,"end":2506.07,"sentiment":"neutral","sentiment_score":0.08374393679615524},{"text":"Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen?","start":2506.07,"end":2516.125,"sentiment":"neutral","sentiment_score":0.05681589292362332}],"sentiment":"neutral","sentiment_score":0.07027991485988928,"channel":0,"num_words":72,"start":2491.095,"end":2516.125},{"sentences":[{"text":"Yeah.","start":2518.23,"end":2518.55,"sentiment":"neutral","sentiment_score":-0.06555649638175964},{"text":"But, I mean, if I wanna be covered for more, I gotta pay more per year.","start":2518.55,"end":2522.23,"sentiment":"neutral","sentiment_score":-0.14482427667826414}],"sentiment":"neutral","sentiment_score":-0.1401614660725874,"channel":1,"num_words":17,"start":2518.23,"end":2522.23},{"sentences":[{"text":"Correct.","start":2522.2002,"end":2522.7002,"sentiment":"neutral","sentiment_score":0.009312735870480536}],"sentiment":"neutral","sentiment_score":0.009312735870480536,"channel":0,"num_words":1,"start":2522.2002,"end":2522.7002},{"sentences":[{"text":"Is that right?","start":2522.23,"end":2523.05,"sentiment":"neutral","sentiment_score":0.02893480348090331}],"sentiment":"neutral","sentiment_score":0.02893480348090331,"channel":1,"num_words":3,"start":2522.23,"end":2523.05},{"sentences":[{"text":"Correct.","start":2523.32,"end":2523.82,"sentiment":"neutral","sentiment_score":0.03989788517355919}],"sentiment":"neutral","sentiment_score":0.03989788517355919,"channel":0,"num_words":1,"start":2523.32,"end":2523.82},{"sentences":[{"text":"Yep.","start":2523.67,"end":2524.17,"sentiment":"neutral","sentiment_score":-0.0578283928334713}],"sentiment":"neutral","sentiment_score":-0.0578283928334713,"channel":1,"num_words":1,"start":2523.67,"end":2524.17},{"sentences":[{"text":"You have to pay more.","start":2524.12,"end":2525.32,"sentiment":"neutral","sentiment_score":-0.09179067313671112},{"text":"And then because the good thing with the type of cover you have in place, which is why it's it's very different to your standard, like, group cover, that would be, like, your default cover option with, like, or suit for a host plus and stuff.","start":2525.32,"end":2538.0552,"sentiment":"neutral","sentiment_score":0.018571772936569607},{"text":"It's very different.","start":2538.0552,"end":2539.0352,"sentiment":"neutral","sentiment_score":-0.14773064851760864},{"text":"The the MetLife insurance is is tailored to you.","start":2539.655,"end":2543.5151,"sentiment":"neutral","sentiment_score":0.11179429747992092},{"text":"So when you applied for the cover, you went through a bit of a questionnaire answering your lifestyle, income, health, anything like that.","start":2543.895,"end":2552.48,"sentiment":"neutral","sentiment_score":0.056312242765789444}],"sentiment":"neutral","sentiment_score":0.02620333145091007,"channel":0,"num_words":86,"start":2524.12,"end":2552.48},{"sentences":[{"text":"Do you remember that?","start":2552.48,"end":2553.62,"sentiment":"neutral","sentiment_score":0.021085428539663553}],"sentiment":"neutral","sentiment_score":0.021085428539663553,"channel":0,"num_words":4,"start":2552.48,"end":2553.62},{"sentences":[{"text":"Yep.","start":2553.84,"end":2554.34,"sentiment":"neutral","sentiment_score":0.04547854885458946}],"sentiment":"neutral","sentiment_score":0.04547854885458946,"channel":1,"num_words":1,"start":2553.84,"end":2554.34},{"sentences":[{"text":"Yep.","start":2554.8801,"end":2555.3801,"sentiment":"neutral","sentiment_score":0.036278992891311646},{"text":"Sorry.","start":2555.44,"end":2555.76,"sentiment":"neutral","sentiment_score":-0.04989283159375191},{"text":"What that basically was is that you then looked into a contract with MetLife, and they can't just go and change your insurances for you.","start":2555.76,"end":2563.44,"sentiment":"neutral","sentiment_score":0.00830578699707985},{"text":"And anything that would happen to you medically or illness or if you take up a super risky occup a hobby or anything like that, you are covered for.","start":2563.44,"end":2574.375,"sentiment":"neutral","sentiment_score":0.039187186750872384},{"text":"So it gives you that certainty because it's already kind of locked in and put in place.","start":2574.375,"end":2578.5552,"sentiment":"neutral","sentiment_score":0.2954506093964857}],"sentiment":"neutral","sentiment_score":0.08702903577726182,"channel":0,"num_words":73,"start":2554.8801,"end":2578.5552},{"sentences":[{"text":"So it's very tailored specifically to you.","start":2578.8552,"end":2581.3552,"sentiment":"positive","sentiment_score":0.34802364877292086},{"text":"Whereas","start":2582.41,"end":2582.81,"sentiment":"neutral","sentiment_score":0.07970239967107773}],"sentiment":"neutral","sentiment_score":0.3144834926351905,"channel":0,"num_words":8,"start":2578.8552,"end":2582.81},{"sentences":[{"text":"Okay.","start":2582.45,"end":2582.95,"sentiment":"neutral","sentiment_score":0.10220948606729507}],"sentiment":"neutral","sentiment_score":0.10220948606729507,"channel":1,"num_words":1,"start":2582.45,"end":2582.95},{"sentences":[{"text":"your standard kind of group cover, they just assess it at the time of claim if you are eligible for the payout depending on your health and occupation and stuff like that.","start":2582.81,"end":2595.1501,"sentiment":"neutral","sentiment_score":0.1056314273737371}],"sentiment":"neutral","sentiment_score":0.1056314273737371,"channel":0,"num_words":32,"start":2582.81,"end":2595.1501},{"sentences":[{"text":"Yep.","start":2596.095,"end":2596.595,"sentiment":"neutral","sentiment_score":0.08989430963993073}],"sentiment":"neutral","sentiment_score":0.08989430963993073,"channel":1,"num_words":1,"start":2596.095,"end":2596.595},{"sentences":[{"text":"Yep.","start":2597.045,"end":2597.545,"sentiment":"neutral","sentiment_score":0.07058722525835037},{"text":"Any questions when it comes to those insurances there, David?","start":2598.405,"end":2601.7048,"sentiment":"neutral","sentiment_score":0.03375208284705877}],"sentiment":"neutral","sentiment_score":0.03710073215717619,"channel":0,"num_words":11,"start":2597.045,"end":2601.7048},{"sentences":[{"text":"No.","start":2603.3298,"end":2603.65,"sentiment":"neutral","sentiment_score":-0.17532598972320557},{"text":"That's fine.","start":2603.65,"end":2604.2898,"sentiment":"neutral","sentiment_score":-0.02508840523660183},{"text":"I mean, it'd be good to be able to pay less per year, but I don't think you can change that, can you?","start":2604.2898,"end":2611.5098,"sentiment":"neutral","sentiment_score":-0.09394898767704549}],"sentiment":"neutral","sentiment_score":-0.09178190449109444,"channel":1,"num_words":26,"start":2603.3298,"end":2611.5098},{"sentences":[{"text":"I can by reducing how much you will get paid out if something were to happen, but that would basically be the way.","start":2612.18,"end":2618.36,"sentiment":"neutral","sentiment_score":-0.03881523158887158}],"sentiment":"neutral","sentiment_score":-0.03881523158887158,"channel":0,"num_words":23,"start":2612.18,"end":2618.36},{"sentences":[{"text":"Yep.","start":2618.815,"end":2619.315,"sentiment":"neutral","sentiment_score":0.1129179447889328}],"sentiment":"neutral","sentiment_score":0.1129179447889328,"channel":1,"num_words":1,"start":2618.815,"end":2619.315},{"sentences":[{"text":"So if you if you feel like you don't need 320,000 or that level of income, I can get quotes of reducing it.","start":2618.82,"end":2627.885,"sentiment":"neutral","sentiment_score":0.06445559065627016},{"text":"But, obviously, that would mean that if something were to happen, you're not gonna have as much cover if something were to happen.","start":2628.025,"end":2633.005,"sentiment":"neutral","sentiment_score":-0.06779087966550952},{"text":"But that would kind of be the way to reduce the cover, the premium.","start":2633.065,"end":2636.365,"sentiment":"neutral","sentiment_score":-0.05728386103042534}],"sentiment":"neutral","sentiment_score":-0.014644761693974336,"channel":0,"num_words":60,"start":2618.82,"end":2636.365},{"sentences":[{"text":"Yep.","start":2637.19,"end":2637.5898,"sentiment":"neutral","sentiment_score":0.07604838907718658},{"text":"Understand.","start":2637.5898,"end":2638.0898,"sentiment":"neutral","sentiment_score":0.07873030006885529}],"sentiment":"neutral","sentiment_score":0.07738934457302094,"channel":1,"num_words":2,"start":2637.19,"end":2638.0898},{"sentences":[{"text":"Yep.","start":2638.77,"end":2639.27,"sentiment":"neutral","sentiment_score":0.10415282845497131},{"text":"Would you like me to look at getting any quotes, or are you happy for the time being with that amount?","start":2639.7302,"end":2645.99,"sentiment":"neutral","sentiment_score":0.051331281661987305}],"sentiment":"neutral","sentiment_score":0.053732261061668396,"channel":0,"num_words":22,"start":2638.77,"end":2645.99},{"sentences":[{"text":"No.","start":2646.325,"end":2646.565,"sentiment":"negative","sentiment_score":-0.42259418964385986},{"text":"I'm happy spending time being with that amount.","start":2646.565,"end":2648.5051,"sentiment":"neutral","sentiment_score":-0.2458929279819131}],"sentiment":"neutral","sentiment_score":-0.2655264014999072,"channel":1,"num_words":9,"start":2646.325,"end":2648.5051},{"sentences":[{"text":"Okay.","start":2648.865,"end":2649.365,"sentiment":"neutral","sentiment_score":0.32842332124710083},{"text":"Perfect.","start":2649.505,"end":2650.005,"sentiment":"positive","sentiment_score":0.561821460723877},{"text":"Now part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document.","start":2652.225,"end":2665.0999,"sentiment":"neutral","sentiment_score":0.24789024144411087},{"text":"It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market.","start":2665.4,"end":2677.74,"sentiment":"neutral","sentiment_score":0.2543491694662306},{"text":"Now you will also have an updated financial services guide.","start":2678.535,"end":2682.395,"sentiment":"neutral","sentiment_score":0.13218652307987214}],"sentiment":"neutral","sentiment_score":0.24321775507218768,"channel":0,"num_words":101,"start":2648.865,"end":2682.395},{"sentences":[{"text":"That one, you probably would have seen a couple of times.","start":2682.4548,"end":2684.6948,"sentiment":"neutral","sentiment_score":0.13917327130382712},{"text":"It is just an updated document.","start":2684.6948,"end":2686.555,"sentiment":"neutral","sentiment_score":0.20265762011210123},{"text":"It does give you all the important information in regards to us here at Oakview Financial.","start":2687.175,"end":2692.875,"sentiment":"neutral","sentiment_score":0.2672554384917021},{"text":"Gives you some information about the team, our director's advices.","start":2693.5598,"end":2696.6199,"sentiment":"neutral","sentiment_score":0.19384853839874266},{"text":"Everything is in there for you if you would like to have a bit of a read over it.","start":2696.8398,"end":2700.7,"sentiment":"neutral","sentiment_score":0.22703127798281217}],"sentiment":"neutral","sentiment_score":0.21411319978294835,"channel":0,"num_words":62,"start":2682.4548,"end":2700.7},{"sentences":[{"text":"Then the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement.","start":2701.48,"end":2709.435,"sentiment":"neutral","sentiment_score":0.062587087650014},{"text":"But don't sign anything that you have now.","start":2709.435,"end":2711.0352,"sentiment":"neutral","sentiment_score":-0.17636557575315237},{"text":"I will get that all fixed and updated for you,","start":2711.0352,"end":2713.8552,"sentiment":"neutral","sentiment_score":0.14915757924318312}],"sentiment":"neutral","sentiment_score":0.037076931764803284,"channel":0,"num_words":41,"start":2701.48,"end":2713.8552},{"sentences":[{"text":"Mhmm.","start":2714.68,"end":2715.18,"sentiment":"neutral","sentiment_score":0.073214590549469}],"sentiment":"neutral","sentiment_score":0.073214590549469,"channel":1,"num_words":1,"start":2714.68,"end":2715.18},{"sentences":[{"text":"which is the the fee we mentioned, which is then your ongoing service agreement.","start":2714.715,"end":2718.8152,"sentiment":"neutral","sentiment_score":0.08358170571071762},{"text":"Now that form is to say that you are happy to stay on as a client, but I'm happy to do, obviously, the research and everything for you first in a bit more detail before, obviously, get you to commit to anything and seeing how you are feeling.","start":2719.435,"end":2735.07,"sentiment":"positive","sentiment_score":0.4845981042211254},{"text":"And it is not a lock in contract at all.","start":2736.9448,"end":2739.9048,"sentiment":"neutral","sentiment_score":-0.005621864646673203},{"text":"So even if you were to go, okay.","start":2739.9048,"end":2741.825,"sentiment":"neutral","sentiment_score":0.08855452295392752},{"text":"After the research, you are happy to stay on for a little bit, it is not a lock in contract.","start":2741.825,"end":2746.385,"sentiment":"neutral","sentiment_score":0.20231260135769844}],"sentiment":"neutral","sentiment_score":0.29129322446882727,"channel":0,"num_words":100,"start":2714.715,"end":2746.385},{"sentences":[{"text":"You can cancel it whenever you want to.","start":2746.385,"end":2748.2249,"sentiment":"neutral","sentiment_score":0.06471909629181027},{"text":"There is no exit fee.","start":2748.2249,"end":2749.62,"sentiment":"neutral","sentiment_score":0.053275419771671294},{"text":"And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost.","start":2750.58,"end":2758.36,"sentiment":"neutral","sentiment_score":0.1331536959235867},{"text":"It does come out like you would have seen in your account on a monthly basis.","start":2758.9001,"end":2762.84,"sentiment":"neutral","sentiment_score":0.18118476495146751},{"text":"So it is only deducted on a monthly basis for you.","start":2763.165,"end":2766.445,"sentiment":"neutral","sentiment_score":0.1252702616832473}],"sentiment":"neutral","sentiment_score":0.12901168264215812,"channel":0,"num_words":64,"start":2746.385,"end":2766.445},{"sentences":[{"text":"Does that make sense?","start":2766.445,"end":2767.585,"sentiment":"neutral","sentiment_score":0.1148726288229227}],"sentiment":"neutral","sentiment_score":0.1148726288229227,"channel":0,"num_words":4,"start":2766.445,"end":2767.585},{"sentences":[{"text":"Yep.","start":2768.015,"end":2768.515,"sentiment":"neutral","sentiment_score":0.12001997232437134}],"sentiment":"neutral","sentiment_score":0.12001997232437134,"channel":1,"num_words":1,"start":2768.015,"end":2768.515},{"sentences":[{"text":"Yep.","start":2768.845,"end":2769.325,"sentiment":"neutral","sentiment_score":0.1028209626674652},{"text":"K.","start":2769.325,"end":2769.805,"sentiment":"neutral","sentiment_score":0.14465272426605225},{"text":"Perfect.","start":2769.805,"end":2770.305,"sentiment":"positive","sentiment_score":0.581705629825592},{"text":"Now, David, it will take me about a week or so to put together all of this research for you.","start":2771.245,"end":2779.4202,"sentiment":"neutral","sentiment_score":0.3078707277774811},{"text":"So do you have any time sometimes sometime at the end of next week around","start":2779.4202,"end":2789.4402,"sentiment":"neutral","sentiment_score":0.09614350348711014}],"sentiment":"neutral","sentiment_score":0.22180911643724693,"channel":0,"num_words":38,"start":2768.845,"end":2789.4402},{"sentences":[{"text":"Yes.","start":2789.4648,"end":2789.9648,"sentiment":"neutral","sentiment_score":0.11932498216629028}],"sentiment":"neutral","sentiment_score":0.11932498216629028,"channel":1,"num_words":1,"start":2789.4648,"end":2789.9648},{"sentences":[{"text":"Wednesday, potentially, for me to give you a call?","start":2789.5,"end":2792.4001,"sentiment":"neutral","sentiment_score":0.09778349349896114}],"sentiment":"neutral","sentiment_score":0.09778349349896114,"channel":0,"num_words":9,"start":2789.5,"end":2792.4001},{"sentences":[{"text":"Yes.","start":2792.905,"end":2793.385,"sentiment":"neutral","sentiment_score":0.10076317191123962},{"text":"Yes.","start":2793.385,"end":2793.885,"sentiment":"neutral","sentiment_score":0.11309383809566498}],"sentiment":"neutral","sentiment_score":0.1069285050034523,"channel":1,"num_words":2,"start":2792.905,"end":2793.885},{"sentences":[{"text":"Yeah.","start":2793.925,"end":2794.405,"sentiment":"neutral","sentiment_score":0.14002886414527893},{"text":"Okay.","start":2794.405,"end":2794.805,"sentiment":"neutral","sentiment_score":0.2597211003303528},{"text":"Perfect.","start":2794.805,"end":2795.305,"sentiment":"neutral","sentiment_score":0.03588549792766571},{"text":"Now what I will do as well is when I do call so we don't have the same issue with the phone not coming through, I'll call you twice, and then I will send you if for some reason it doesn't go through, and I will also send you it's usually text or email.","start":2796.085,"end":2810.3,"sentiment":"neutral","sentiment_score":0.04586985838358049},{"text":"What's the the quickest for you usually?","start":2810.3,"end":2812.48,"sentiment":"neutral","sentiment_score":0.08638026618531772}],"sentiment":"neutral","sentiment_score":0.05495733872521669,"channel":0,"num_words":64,"start":2793.925,"end":2812.48},{"sentences":[{"text":"That is fine.","start":2814.7349,"end":2815.295,"sentiment":"neutral","sentiment_score":0.3102685908476512},{"text":"It's fine.","start":2815.295,"end":2815.775,"sentiment":"positive","sentiment_score":0.39324629306793213},{"text":"I've always got my phone.","start":2815.775,"end":2817.1548,"sentiment":"neutral","sentiment_score":0.25883018374443056}],"sentiment":"neutral","sentiment_score":0.30114492774009705,"channel":1,"num_words":10,"start":2814.7349,"end":2817.1548},{"sentences":[{"text":"Okay.","start":2817.42,"end":2817.82,"sentiment":"positive","sentiment_score":0.3629012107849121},{"text":"Perfect.","start":2817.82,"end":2818.32,"sentiment":"positive","sentiment_score":0.5203715562820435},{"text":"I will do via the phone, and if there's some issues, I will just try calling twice and try to leave a voice mail.","start":2818.62,"end":2824.615,"sentiment":"neutral","sentiment_score":0.16301807730148235},{"text":"Hopefully, it was just this time around that the phone was having a bit of a glitch.","start":2824.615,"end":2829.275,"sentiment":"neutral","sentiment_score":-0.05864332490326727},{"text":"Now Wednesday at the moment, I have afternoon appointment.","start":2830.6948,"end":2835.835,"sentiment":"neutral","sentiment_score":0.023254035247696772}],"sentiment":"neutral","sentiment_score":0.07707800800338961,"channel":0,"num_words":52,"start":2817.42,"end":2835.835},{"sentences":[{"text":"Do you have any particular time on Wednesday that would work best for you?","start":2836.76,"end":2840.8398,"sentiment":"neutral","sentiment_score":0.06581984832882881},{"text":"So that'll be Wednesday, the twenty fourth.","start":2840.8398,"end":2842.7,"sentiment":"neutral","sentiment_score":0.007792838383466005}],"sentiment":"neutral","sentiment_score":0.04647751168037454,"channel":0,"num_words":21,"start":2836.76,"end":2842.7},{"sentences":[{"text":"No.","start":2844.285,"end":2844.5251,"sentiment":"neutral","sentiment_score":-0.06553120911121368},{"text":"Whatever time suits.","start":2844.5251,"end":2845.745,"sentiment":"neutral","sentiment_score":-0.05823006356755892}],"sentiment":"neutral","sentiment_score":-0.060055349953472614,"channel":1,"num_words":4,"start":2844.285,"end":2845.745},{"sentences":[{"text":"Okay.","start":2846.3599,"end":2846.8599,"sentiment":"neutral","sentiment_score":0.007730184122920036}],"sentiment":"neutral","sentiment_score":0.007730184122920036,"channel":0,"num_words":1,"start":2846.3599,"end":2846.8599},{"sentences":[{"text":"What what time have you got?","start":2846.7651,"end":2848.305,"sentiment":"neutral","sentiment_score":0.007673252994815509}],"sentiment":"neutral","sentiment_score":0.007673252994815509,"channel":1,"num_words":6,"start":2846.7651,"end":2848.305},{"sentences":[{"text":"Let me see.","start":2848.5999,"end":2849.3198,"sentiment":"neutral","sentiment_score":0.01047618966549635},{"text":"I could do 02:00.","start":2849.3198,"end":2850.78,"sentiment":"neutral","sentiment_score":0.0162029224447906},{"text":"Would that be okay?","start":2850.92,"end":2852.0598,"sentiment":"neutral","sentiment_score":0.04069124720990658}],"sentiment":"neutral","sentiment_score":0.02354593160138889,"channel":0,"num_words":11,"start":2848.5999,"end":2852.0598},{"sentences":[{"text":"Yep.","start":2852.445,"end":2852.925,"sentiment":"neutral","sentiment_score":0.08662866055965424},{"text":"That's fine.","start":2852.925,"end":2853.745,"sentiment":"neutral","sentiment_score":0.1506481170654297}],"sentiment":"neutral","sentiment_score":0.1293082982301712,"channel":1,"num_words":3,"start":2852.445,"end":2853.745},{"sentences":[{"text":"Yes.","start":2853.445,"end":2853.945,"sentiment":"neutral","sentiment_score":0.17393919825553894},{"text":"Okay.","start":2854.165,"end":2854.4849,"sentiment":"neutral","sentiment_score":0.25830692052841187},{"text":"Perfect.","start":2854.4849,"end":2854.9849,"sentiment":"positive","sentiment_score":0.3965553641319275},{"text":"Well, I booked that in on Wednesday, June 24 at 2PM for you.","start":2855.045,"end":2861.785,"sentiment":"neutral","sentiment_score":0.2580509220178311},{"text":"I will do, like I said, a bit more in-depth in regards to all the fees, performance, and everything like that.","start":2862.005,"end":2869.1301,"sentiment":"neutral","sentiment_score":0.17486936811889922}],"sentiment":"neutral","sentiment_score":0.21231676215255582,"channel":0,"num_words":37,"start":2853.445,"end":2869.1301},{"sentences":[{"text":"Put a bit of a proposal together if I feel like we should change anything.","start":2869.27,"end":2873.69,"sentiment":"neutral","sentiment_score":0.1334510793288549},{"text":"Part of the research, like I said, I will also consider a range of different industry funds to show you would, okay, if you do wanna go to host plus or super, what's going to be the tax that you potentially have to pay to move?","start":2874.15,"end":2888.015,"sentiment":"neutral","sentiment_score":0.15005584368887154},{"text":"What are the fees and what are the returns so that you can have all the information in front of you before you do make a decision on what you would like to do moving forward?","start":2888.075,"end":2896.175,"sentiment":"neutral","sentiment_score":0.1983061544597149},{"text":"Yep.","start":2896.32,"end":2896.82,"sentiment":"neutral","sentiment_score":0.17520180344581604}],"sentiment":"neutral","sentiment_score":0.16549549350629048,"channel":0,"num_words":98,"start":2869.27,"end":2896.82},{"sentences":[{"text":"Sure.","start":2897.19,"end":2897.51,"sentiment":"neutral","sentiment_score":0.22399042546749115},{"text":"Okay.","start":2897.51,"end":2898.01,"sentiment":"neutral","sentiment_score":0.19843456149101257}],"sentiment":"neutral","sentiment_score":0.21121249347925186,"channel":1,"num_words":2,"start":2897.19,"end":2898.01},{"sentences":[{"text":"Like I said as well, I will get the team to send you a new document.","start":2899.36,"end":2904.02,"sentiment":"neutral","sentiment_score":0.22550696320831776},{"text":"So it'd be a new digital link.","start":2904.96,"end":2906.72,"sentiment":"neutral","sentiment_score":0.1977711660521371},{"text":"Again, it will allow you so when you click on the link, it's not going to ask you to sign right away.","start":2906.72,"end":2911.325,"sentiment":"neutral","sentiment_score":0.1854894377968528},{"text":"You can see all the documents that I kind of went through today.","start":2911.325,"end":2913.9849,"sentiment":"neutral","sentiment_score":0.30300838213700515},{"text":"The performance, it will show you the the super balance and your insurances and everything.","start":2914.285,"end":2919.265,"sentiment":"neutral","sentiment_score":0.24438139783839385}],"sentiment":"neutral","sentiment_score":0.2284672211039148,"channel":0,"num_words":73,"start":2899.36,"end":2919.265},{"sentences":[{"text":"So you're welcome to go and have a look at that as well.","start":2919.565,"end":2922.865,"sentiment":"positive","sentiment_score":0.7065275861666753},{"text":"And if you have any further 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just check with the team who prepared the documents.","start":2943.355,"end":2946.4148,"sentiment":"neutral","sentiment_score":-0.12874249517917633},{"text":"So I'll go and speak to them after the call today and just triple check that for you.","start":2946.635,"end":2951.01,"sentiment":"neutral","sentiment_score":0.023905903100967407}],"sentiment":"neutral","sentiment_score":-0.030611381999083927,"channel":0,"num_words":28,"start":2943.355,"end":2951.01},{"sentences":[{"text":"Yeah.","start":2951.48,"end":2951.96,"sentiment":"neutral","sentiment_score":0.028723688796162605},{"text":"But it is so so it's just going back to the amount that I had in my 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you very much for your time.","start":3984.5552,"end":3986.3352,"sentiment":"positive","sentiment_score":0.5846216806343624}],"sentiment":"positive","sentiment_score":0.5846216806343624,"channel":1,"num_words":7,"start":3984.5552,"end":3986.3352},{"sentences":[{"text":"No.","start":3986.54,"end":3986.78,"sentiment":"neutral","sentiment_score":0.2473435401916504},{"text":"That is no problem at all.","start":3986.78,"end":3987.9001,"sentiment":"neutral","sentiment_score":0.32805658380190533},{"text":"Thank you so much for your time today, David.","start":3987.9001,"end":3990.0,"sentiment":"positive","sentiment_score":0.6462935143046908},{"text":"And","start":3990.46,"end":3990.9402,"sentiment":"positive","sentiment_score":0.4395743012428284}],"sentiment":"positive","sentiment_score":0.4983469984110664,"channel":0,"num_words":17,"start":3986.54,"end":3990.9402},{"sentences":[{"text":"Yep.","start":3990.51,"end":3991.01,"sentiment":"positive","sentiment_score":0.37698429822921753}],"sentiment":"positive","sentiment_score":0.37698429822921753,"channel":1,"num_words":1,"start":3990.51,"end":3991.01},{"sentences":[{"text":"I look forward to speaking with you next Wednesday, the twenty fourth as well.","start":3990.9402,"end":3994.54,"sentiment":"positive","sentiment_score":0.4597415668623788},{"text":"But if you need anything","start":3994.54,"end":3995.4202,"sentiment":"neutral","sentiment_score":0.11096074432134628}],"sentiment":"positive","sentiment_score":0.3679571398778966,"channel":0,"num_words":19,"start":3990.9402,"end":3995.4202},{"sentences":[{"text":"Great.","start":3995.23,"end":3995.73,"sentiment":"neutral","sentiment_score":0.15056349337100983}],"sentiment":"neutral","sentiment_score":0.15056349337100983,"channel":1,"num_words":1,"start":3995.23,"end":3995.73},{"sentences":[{"text":"in the meantime or have any other questions, don't hesitate to call the office or send me an email.","start":3995.4202,"end":4000.335,"sentiment":"neutral","sentiment_score":0.10740699266132556},{"text":"Okay?","start":4000.335,"end":4000.835,"sentiment":"neutral","sentiment_score":0.0971413552761078}],"sentiment":"neutral","sentiment_score":0.10689371079206467,"channel":0,"num_words":20,"start":3995.4202,"end":4000.835},{"sentences":[{"text":"No worries.","start":4001.31,"end":4001.79,"sentiment":"neutral","sentiment_score":0.14998222887516022},{"text":"Thank you, Veronica.","start":4001.79,"end":4002.69,"sentiment":"neutral","sentiment_score":0.32681457201639813}],"sentiment":"neutral","sentiment_score":0.256081634759903,"channel":1,"num_words":5,"start":4001.31,"end":4002.69},{"sentences":[{"text":"No problem at all.","start":4003.2952,"end":4004.095,"sentiment":"neutral","sentiment_score":0.23225552961230278},{"text":"We'll speak next week.","start":4004.095,"end":4005.3152,"sentiment":"neutral","sentiment_score":0.18729865923523903}],"sentiment":"neutral","sentiment_score":0.2097770944237709,"channel":0,"num_words":8,"start":4003.2952,"end":4005.3152},{"sentences":[{"text":"Okay.","start":4005.437,"end":4005.917,"sentiment":"neutral","sentiment_score":0.16754359006881714},{"text":"Thanks.","start":4005.917,"end":4006.237,"sentiment":"neutral","sentiment_score":0.28029000759124756},{"text":"Bye bye.","start":4006.237,"end":4006.977,"sentiment":"neutral","sentiment_score":0.1756366342306137}],"sentiment":"neutral","sentiment_score":0.19977671653032303,"channel":1,"num_words":4,"start":4005.437,"end":4006.977},{"sentences":[{"text":"Okay.","start":4006.495,"end":4006.995,"sentiment":"neutral","sentiment_score":0.1254626214504242},{"text":"Bye.","start":4007.215,"end":4007.715,"sentiment":"neutral","sentiment_score":0.10906679928302764}],"sentiment":"neutral","sentiment_score":0.11726471036672592,"channel":0,"num_words":2,"start":4006.495,"end":4007.715},{"sentences":[{"text":"Bye.","start":4008.157,"end":4008.657,"sentiment":"neutral","sentiment_score":0.07313687354326248}],"sentiment":"neutral","sentiment_score":0.07313687354326248,"channel":1,"num_words":1,"start":4008.157,"end":4008.657}]},"summary":{"result":"success","short":"The representative, Monica, discusses the customer's personal and risk profiles with David and provides instructions for accessing his email and documents. The agent emphasizes the importance of staying in the market despite fluctuations and provides research on fees and investment options. The agent reassures the customer that their low cash account balance is automatically evens out and they don't need to worry about it. The agent explains that the customer can invest in various cryptocurrencies and provides research materials for all investment options. The agent assures the customer that they will receive a call from the agent and a document from the agent, and reassures them that they will not take too much of their time and follow up after the call."},"intents":{"segments":[{"text":"You didn't I get would my call? no. I didn't get your call. Because I let me just triple check your number. 0424573002?","start_word":30,"end_word":52,"intents":[{"intent":"Check voicemail","confidence_score":0.012072873}]},{"text":"Because I let me just triple check your number. 0424573002?","start_word":43,"end_word":52,"intents":[{"intent":"Check number","confidence_score":0.12619376}]},{"text":"I'll have a look through IT if there's a bit of an issue with their with their phone system.","start_word":118,"end_word":136,"intents":[{"intent":"Check phone system","confidence_score":0.20396277}]},{"text":"You still have time for your annual review? I do.","start_word":167,"end_word":176,"intents":[{"intent":"Complete annual review","confidence_score":0.0010578249}]},{"text":"Now what I might do first there, David, is just to run through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So just bear with me as I go through this first. Now when it comes to your personal information, I have you down here as single with two financial dependents. Is that correct?","start_word":283,"end_word":363,"intents":[{"intent":"Check financial status","confidence_score":0.004433344}]},{"text":"Now when it comes to your personal information, I have you down here as single with two financial dependents. Is that correct?","start_word":342,"end_word":363,"intents":[{"intent":"Provide information regarding account","confidence_score":3.3099687e-9},{"intent":"Provide financial details","confidence_score":0.00023388464}]},{"text":"Next is in regards to time frame. So do you have any idea at the moment of when you think you would like to start drawing an income from your super or access your super at all?","start_word":1085,"end_word":1121,"intents":[{"intent":"Assess time frame","confidence_score":0.00031891846}]},{"text":"Now, David, do you have access to your emails at the moment?","start_word":1926,"end_word":1937,"intents":[{"intent":"Request document access","confidence_score":0.003073754}]},{"text":"Now we have this changed software, so it might look a little bit different to what you are potentially used to. But if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything.","start_word":2002,"end_word":2055,"intents":[{"intent":"Change software","confidence_score":0.0028428792}]},{"text":"It will only ask you to add the signature, which is the ongoing service fee at the end. But you can click on the link, and that just allows you to view all the documents that I would like to go through with you.","start_word":2076,"end_word":2119,"intents":[{"intent":"Add signature","confidence_score":0.16087873}]},{"text":"I'm looking at going somewhere that doesn't have such high fees. Okay. So fees is the main kind of consideration? Yes. Yes. Yes.","start_word":2511,"end_word":2533,"intents":[{"intent":"Understand fees","confidence_score":0.0033623385}]},{"text":"And I'm whatever sorry to the the hear that. guys they're trying to invest in, it's I understand the markets are going down and and whatever it's done, whatever it's done. But, yeah, I just need to get some clarification into what all these fees are and why they Yep.","start_word":2567,"end_word":2616,"intents":[{"intent":"Clarify investment process","confidence_score":0.015888387}]},{"text":"just explain to me the the adviser fee is is is to you, to to. To to Oakview Financial. Yes. So it's $3,354 a month, and and that's that's that's getting more and more. Okay.","start_word":3398,"end_word":3432,"intents":[{"intent":"Explain fee structure and structure","confidence_score":0.0013332572}]},{"text":"To manage your investments and insurances and stuff. Yeah. Okay.","start_word":3633,"end_word":3642,"intents":[{"intent":"Manage investments and insurances","confidence_score":0.19367714}]},{"text":"And so what about the tax liability?","start_word":3671,"end_word":3677,"intents":[{"intent":"Determine contribution tax liability","confidence_score":0.0014166269}]},{"text":"So you wouldn't say that. But I can part of the the research just investigate that for you. It's just through Metro and go through all the transactions just to triple check all of that for you. And do you know as well in your hub 24 how you can pull, like, the different reports to see everything as well? Yeah.","start_word":3764,"end_word":3824,"intents":[{"intent":"Investigate issues","confidence_score":0.00015205215}]},{"text":"So where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at. So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction.","start_word":4238,"end_word":4310,"intents":[{"intent":"Access reports","confidence_score":0.045439195},{"intent":"Load reports","confidence_score":0.0037839864}]},{"text":"What I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you.","start_word":4373,"end_word":4403,"intents":[{"intent":"Reissue documents","confidence_score":0.2053795}]},{"text":"So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months. Hello?","start_word":4752,"end_word":4784,"intents":[{"intent":"Check portfolio status","confidence_score":0.00013008632}]},{"text":"And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be.","start_word":4962,"end_word":5013,"intents":[{"intent":"Evaluate investment options","confidence_score":0.089253314}]},{"text":"But you can see probably the other ones there that you can see that they've done pretty good, and that it, again, is considering that you are in a aggressive portfolio.","start_word":5317,"end_word":5347,"intents":[{"intent":"Discuss portfolio timing and fee report","confidence_score":0.0000033398494}]},{"text":"Your portfolio has done really good at 11.84% after fee because And that where is where what we are also you reading the 11.48%?","start_word":5371,"end_word":5394,"intents":[{"intent":"Provide information about portfolio performance","confidence_score":0.0028233153}]},{"text":"so what about what about the note three? What what what does that mean? Why is that higher? Note three.","start_word":5607,"end_word":5626,"intents":[{"intent":"Provide information on notes and fees","confidence_score":0.00008823528}]},{"text":"Now like I said, David, I will go and do some research on your investment. Put a proposal together for you where you can see everything. Now the other thing is just your insurances as well. So you do have some insurances with MetLife. Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund? No.","start_word":5733,"end_word":5800,"intents":[{"intent":"Discuss investments with metlife","confidence_score":0.00030084897}]},{"text":"So you do have some insurances with MetLife. Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund? No. So explain that to me. Just the insurance this insurance is just insurance for my my desk and so forth. Is that right? Correct.","start_word":5769,"end_word":5824,"intents":[{"intent":"Provide information about insurances","confidence_score":0.004582457}]},{"text":"No.","start_word":5800,"end_word":5800,"intents":[{"intent":"Discuss benefits of superfund","confidence_score":0.000005981555}]},{"text":"Just the insurance this insurance is just insurance for my my desk and so forth. Is that right?","start_word":5806,"end_word":5823,"intents":[{"intent":"Explain insurance plans","confidence_score":0.0011284683},{"intent":"Explain insurance requirements","confidence_score":0.0018928666}]},{"text":"Just the insurance this insurance is just insurance for my my desk and so forth. Is that right? Correct.","start_word":5806,"end_word":5824,"intents":[{"intent":"Explain insurance structure and benefits","confidence_score":0.00004900614},{"intent":"Confirm understanding of insurances","confidence_score":0.012806177},{"intent":"Explain cost of insurances","confidence_score":0.00040931013}]},{"text":"And then you also have an income protection policy. Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work. Now that pays you a monthly amount, and that will be $4,900 on a monthly basis. You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid.","start_word":6047,"end_word":6115,"intents":[{"intent":"Explain income protection policy","confidence_score":0.100012265}]},{"text":"You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid.","start_word":6092,"end_word":6115,"intents":[{"intent":"Discuss working hours and waiting period","confidence_score":8.103017e-7}]},{"text":"Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per. So you have to pay the 2,020, that that premium to get the payout figure? What was that?","start_word":6160,"end_word":6210,"intents":[{"intent":"Discuss costs and policies","confidence_score":3.3604377e-7}]},{"text":"It will also be on the document that I will reissue to you after the call today so you have it all in writing as well. That's Netlife Insurance.","start_word":6328,"end_word":6356,"intents":[{"intent":"Reissue insurance policy","confidence_score":0.004685475},{"intent":"Reissue insurance policy document","confidence_score":0.0016320031},{"intent":"Reissue insurance policy","confidence_score":0.02572819}]},{"text":"Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover? Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen? Yeah.","start_word":6361,"end_word":6433,"intents":[{"intent":"Confirm coverage coverage","confidence_score":0.00010473467}]},{"text":"But, I mean, if I wanna be covered for more, I gotta pay more per year. Correct. Is that right?","start_word":6434,"end_word":6453,"intents":[{"intent":"Suggest changes to insurance cover","confidence_score":0.000064046006}]},{"text":"Now part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document.","start_word":6818,"end_word":6861,"intents":[{"intent":"Reissue documents","confidence_score":0.025297973}]},{"text":"It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market.","start_word":6863,"end_word":6907,"intents":[{"intent":"Explain market overview","confidence_score":0.006165744}]},{"text":"Then the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement. But don't sign anything that you have now. I will get that all fixed and updated for you, Mhmm. which is the the fee we mentioned, which is then your ongoing service agreement.","start_word":6979,"end_word":7034,"intents":[{"intent":"Confirm agreement","confidence_score":0.0013417117}]},{"text":"And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost. It does come out like you would have seen in your account on a monthly basis. So it is only deducted on a monthly basis for you. Does that make sense?","start_word":7134,"end_word":7188,"intents":[{"intent":"Explain fee structure","confidence_score":0.26739186},{"intent":"Explain fee structure","confidence_score":0.032093626}]},{"text":"Wednesday, potentially, for me to give you a call? Yes. Yes. Yeah.","start_word":7229,"end_word":7240,"intents":[{"intent":"Request call","confidence_score":0.013974712}]},{"text":"Now Wednesday at the moment, I have afternoon appointment. Do you have any particular time on Wednesday that would work best for you?","start_word":7357,"end_word":7379,"intents":[{"intent":"Schedule appointment","confidence_score":0.3298604}]},{"text":"And so how how does this document that was sent to us incorrect?","start_word":7664,"end_word":7676,"intents":[{"intent":"Correct document","confidence_score":0.010960132},{"intent":"Check document","confidence_score":0.041329492}]},{"text":"Can you just reiterate that for us? And I just need Yes.","start_word":7741,"end_word":7752,"intents":[{"intent":"Reiterate information","confidence_score":0.15080154}]},{"text":"So I will cancel the one that I have sent you at the moment.","start_word":7819,"end_word":7832,"intents":[{"intent":"Cancel and reissue documents","confidence_score":0.008931566}]},{"text":"Now just going back to you wanting to change my Australian investment. How do I The get Benelon back to them? potentially. Yep. Yeah.","start_word":7913,"end_word":7936,"intents":[{"intent":"Get money back to benelon","confidence_score":0.003990082}]},{"text":"So what you're you're saying that you want to change that, Potentially, But but I'd need to do the research before I can tell you what I suggest yeah. that you do. And so Yes. so so so your reasoning for wanting to change that is that it because it's not performing well? Yes.","start_word":8014,"end_word":8067,"intents":[{"intent":"Change investments","confidence_score":0.035789974}]},{"text":"But if we see that there's going to be potentially other best options that's going to, you know, improve their returns and especially those fees that you're talking about, if I can find something that's cheaper and still still give you a similar outcome, then I wanna assess that for you to try and to reduce those fees as much as possible by not compromising on the returns and your retirement Yep. outcome.","start_word":8355,"end_word":8427,"intents":[{"intent":"Assess potential options","confidence_score":0.019651286},{"intent":"Reduce fees","confidence_score":0.43212947}]},{"text":"you just run through it with me, like, that performance sheet that you're talking about? So I think Yes.","start_word":8431,"end_word":8449,"intents":[{"intent":"Explain investment performance","confidence_score":0.00052356353}]},{"text":"the start there, we've got the market value at the start of period. So that's Yep. how much we that's how much we bought it for. Is that right?","start_word":8450,"end_word":8478,"intents":[{"intent":"Obtain investment value","confidence_score":0.011639034}]},{"text":"how much we that's how much we bought it for. Is that right?","start_word":8466,"end_word":8478,"intents":[{"intent":"Confirm investment price","confidence_score":0.0066809887}]},{"text":"of my period was June 16. So, obviously, if you had Yep. a different start period, it will be like that was how much you had invested in that investment option at the Okay.","start_word":8560,"end_word":8593,"intents":[{"intent":"Confirm investment history","confidence_score":0.0038051528},{"intent":"Clarify investment period","confidence_score":0.009473082}]},{"text":"And then the incoming period Yep. is Will the be income derived from those investments. sorry. Say that again?","start_word":8670,"end_word":8688,"intents":[{"intent":"Clarify investment income","confidence_score":0.0047011157}]},{"text":"And then tax file tax file number amounts withheld. There's there's nothing Yep. there. Correct. Yep.","start_word":8702,"end_word":8717,"intents":[{"intent":"Explain tax filing number withheld","confidence_score":0.00005123344}]},{"text":"So that's why I do wanna look into that one in a little bit more detail for you. Okay.","start_word":8776,"end_word":8794,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.08603466}]},{"text":"It's just when the portfolio manager put together the portfolios, they obviously wanna make sure they obviously have a different philosophy on how they put together everything. And part of it, again, is diversification, different industries, different sectors, different emerging markets when they put together the portfolio.","start_word":9367,"end_word":9413,"intents":[{"intent":"Define portfolios","confidence_score":0.00009166148}]},{"text":"The hub twenty four does require a minimum cash balance of 1 to 5<unk> on your super, and that is just for, you know, fees insurances and stuff like that. But other than that, no. There's no you have to have any particular investment at all. Right.","start_word":9437,"end_word":9483,"intents":[{"intent":"Explain hub 24 restrictions","confidence_score":0.0019001001}]},{"text":"So what can you just explain what I'm investing in there with cyber? Yeah.","start_word":9934,"end_word":9947,"intents":[{"intent":"Explain investment options","confidence_score":0.021599136}]},{"text":"So when I go through the research with you, I can, part of it, give you all that research material if you would like to know all of it because there's a lot. Sorry.","start_word":9974,"end_word":10007,"intents":[{"intent":"Provide research materials","confidence_score":0.6456934}]},{"text":"And after the call, I will also, within about thirty minutes, keep a look at your inbox, and I will get the team to reissue those documents that I kind of went through over with you today because the system seems to have a bit of a glitch, and I'll go and talk to them as well and triple check that information before we send it to you. Great.","start_word":10525,"end_word":10593,"intents":[{"intent":"Reissue documents","confidence_score":0.78633004}]},{"text":"Okay.","start_word":10594,"end_word":10594,"intents":[{"intent":"Provide information","confidence_score":0.039513934}]},{"text":"And obviously, the downturn that happened in April 2026, the drop in my super, Yep. That was obviously due to everything that happened around the world. Correct.","start_word":10610,"end_word":10636,"intents":[{"intent":"Discuss downturn","confidence_score":0.4865754}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Monica speaking. Hi, Veronica. It's Dave Newan calling. Hi. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15872114896774292},{"text":"Good. Thanks. How are you going? Good. Thanks for returning my callback.","start_word":16,"end_word":27,"sentiment":"positive","sentiment_score":0.4628238677978515},{"text":"I've called. You didn't I get would my call? no. I didn't get your call. Because I let me just triple check your number. 0424573002? That's correct. Yeah. No. Strange. Yeah. Because I called at 01:30. It went straight to voice mail, and I did leave a voice message as well. I thought that's why you called back. Oh, that's strange. No. I didn't get a voice mail at all. I'm just wondering what was going on. Yeah. Oh, that's very weird, but I'm glad you called anyway. That's strange. I'll have a look through IT if there's a bit of an issue with their with their phone system. But, yeah, it just went straight to your voice mail. So I was like, oh, you must be on the phone maybe. But, yeah, good that you called back anyway. You still have time for your annual review? I do. Yep. I'd like to go over it. Yes, please. Yep. Yep.","start_word":28,"end_word":187,"sentiment":"neutral","sentiment_score":-0.06733118742704391},{"text":"Beautiful.","start_word":188,"end_word":188,"sentiment":"positive","sentiment_score":0.3629385828971863},{"text":"Now before I do kind of jump in two things further, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of an update and kind of touch base to see where everything's at? Yeah. A bit of everything. An update Yep. on where everything is at. Yeah. And, yeah, different We'll questions see how about we go. fees and so forth. And yeah. Yeah. Okay. Beautiful. Now what I might do first there, David, is just to run through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So just bear with me as I go through this first. Now when it comes to your personal information, I have you down here as single with two financial dependents. Is that correct? Yeah. Yep. No. One financial. One financial. And then one's a bit older? Yes. Yep. Okay.","start_word":189,"end_word":379,"sentiment":"neutral","sentiment_score":0.0500375018576989},{"text":"Perfect.","start_word":380,"end_word":380,"sentiment":"positive","sentiment_score":0.35194751620292664},{"text":"Now I don't actually have a next option on file for you. So in the event, for some reason, if we can't contact you, who is someone that you would like us to contact? And that can be anybody. That'll be my daughter, Shelby. Shelby. Perfect. And does she have the same last name as you? No. She her last name is Newman Christian. Perfect. And best contact number for her, please? You have not had that in the okay. 0452, Yep. 223, Sorry. Just cut out that word. Did you say double? 223 Yep. 134. 134.","start_word":381,"end_word":477,"sentiment":"neutral","sentiment_score":-0.021918678656220436},{"text":"Amazing. Thank you so much.","start_word":478,"end_word":482,"sentiment":"positive","sentiment_score":0.5500985980033875},{"text":"Now when it comes to your occupation, has Yes. any of that changed, or are you still working as a building surveyor? Yep. Perfect. Still working full time for the same employer earning about 84,000? Yes. Yep. Perfect. Now employer contribution, they still pay you that standard 12% contribution as well into superannuation? Yes. Yep. Great. And when it comes through expenses and savings, I have here that last time we spoke, your savings was at around 110 a week. Is that still roughly the case, or do you know if any of that changed? Yep. That's been right. That's about right. Okay. Perfect. Asset and liabilities wise, I have here a motor vehicle valued at about 25,000. Yep. Yep. Perfect. And about 4,000 owing on it. Is that correct as well? No. That's paid off. That's paid off? Okay. Perfect. I'll update that. Now have you had any other changes in regards to your assets at all there? No. No. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. That's still the case as well? Yes. Yep. Perfect. And have you had any changes to your health, any significant health issues or injuries or anything in the last twelve months or all going No. good? No. No. Perfect. And estate planning wise, now, David, do you have a will in place or power of attorney or anything like that? No. No. When it comes to superannuation, though, I do have two nominations on file. So both for your children, 50% to Hendrick and 50% to Shelby. That's still the case as well? Correct.","start_word":483,"end_word":754,"sentiment":"neutral","sentiment_score":0.03341422629926134},{"text":"Yep. Great. Now when it comes to goals, so stuff that you are kind of working towards that you are wanting to achieve during the interview is usually a good part point of time to kind of check-in to see how you went, if you have any new goals, or anything else that you need assistance or would like to look at. So last time we spoke to you, your main focus was to pay off the car loan, which you did, so that's great.","start_word":755,"end_word":839,"sentiment":"positive","sentiment_score":0.4354530870914459},{"text":"And other than that, was potentially buy and build a property. Is that still kind of something that you are working towards? Yep.","start_word":840,"end_word":862,"sentiment":"neutral","sentiment_score":0.2166976034641266},{"text":"Perfect.","start_word":863,"end_word":863,"sentiment":"positive","sentiment_score":0.401522696018219},{"text":"Any other goals that you are working towards, financial or nonfinancial at all? Yes. No. That's that's that's it. Just That's it? just the house. Yep. Yeah. No. Perfect. And how far along the journey are you? Have you started speaking to, like, a mortgage broker or anything in No. regards to any borrowing capacity? No? Okay. If it is that you do need assistance with it when you are wanting to have a look at it, just let us know because we do work closely with some mortgage brokers as well if you do need someone to give you a call to do a bit of a free assessment on your situation as well. K. Yep. Now the next thing I do run over there with you, David, is just a bit of an updated risk profile questionnaire. And that is just to see if we need to make any changes to your risk profile in your suit of valuation. Now it is just multiple choice questions, so there is no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Sure. Yep. Perfect. Now have you ever bought direct shares on the stock market yourself? Yes. Yes. You don't have any shares or anything at the moment? No. No. Next is in regards to time frame. So do you have any idea at the moment of when you think you would like to start drawing an income from your super or access your super at all? At the at retirement age. Okay. So do you think 60 as soon as you can if you stop working? Yeah. Yes. Okay. So I do have here 67 last time we spoke, so I will just change that to 60 then. Well, yeah, 67. We're in at 67. That's when we're gonna work to. Okay.","start_word":864,"end_word":1176,"sentiment":"neutral","sentiment_score":0.06303214009244221},{"text":"And I have an ideal income per week of about a thousand dollars when you do get $2.67.","start_word":1177,"end_word":1194,"sentiment":"positive","sentiment_score":0.426841139793396},{"text":"Is that still achievable, Yep. do you think, or do you think you'd need a little bit more? No. That's fine. That's fine. Okay.","start_word":1195,"end_word":1218,"sentiment":"neutral","sentiment_score":0.1242661327123642},{"text":"Perfect.","start_word":1219,"end_word":1219,"sentiment":"positive","sentiment_score":0.4201035499572754},{"text":"Now next is when it comes to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing more, essentially. Now when it comes to your superannuation, how much risk are you willing to take in order to try to keep up with the rising prices? Would you say that you are willing to take very high risk, high moderate, or a small amount of risk for your superannuation? High and moderate. High to moderate. And if you had to kind of lean towards one of them, which one would you be more inclined to? Probably high. High? Okay. And when it comes to volatility, how would you feel if in six months after placing an investment, you found out that your portfolio have decreased in value by 20% due to general trends in the financial market, but not one particular investment that's gone bad, just the market as a whole. Would you, if you had the option to do so, think that now is a good time to potentially put a little bit more money in while the prices are down, Or would you be kind of a bit more neutral, hold and wait to see what happens? Or would you like to shift to a more secure asset? So that means you are then selling when the prices have already dropped. Invest invest more. Investment? Okay. Perfect. And would you invest heavily or modestly? Modestly. Modestly.","start_word":1220,"end_word":1469,"sentiment":"neutral","sentiment_score":-0.057954199612140656},{"text":"Great.","start_word":1470,"end_word":1470,"sentiment":"positive","sentiment_score":0.4679175615310669},{"text":"And when it comes to fluctuations in any assets, so superannuation or any other assets, if they ever fell in value, how did that make you feel? Would you say optimistic about potential future investment opportunities, a bit more kind of neutral, not making further investments, concerns, or highly anxious?","start_word":1471,"end_word":1520,"sentiment":"neutral","sentiment_score":0.10875364392995834},{"text":"Optimistic. Optimistic. Perfect.","start_word":1521,"end_word":1523,"sentiment":"positive","sentiment_score":0.48161739110946655},{"text":"And the last one here is in regards to borrowing money. So, David, would you ever consider taking out a loan to invest in stocks or funds? Yes. Yep. Okay. Now that tells me here that you have come out kind of borderline between aggressive and high growth. And at the moment, we have you invested in an aggressive portfolio. Do you remember what it means to be an aggressive investor at all? Yes? Yeah. Yeah. How would you describe it? Invest when when the market's low and, yeah, it's like a high income. I mean, it's quite Yeah. a high return. Yeah. Yeah. Well, yeah, basically. So, essentially, it tells me that you are looking at getting, you know, as much growth out of your superannuation while you still have plenty of time until retirement. But at the same time, someone that is comfortable with your experience, some higher levels of fluctuations in the short term in order to kinda grow your superannuation long term. Now when we are also then looking at a asset allocation to how your money is invested, In a typical aggressive post portfolio, we see about 95 to about a 100% in your growth assets. So that will be things like Australian shares, international shares, property, and commodities, and that is what's going to maximize that growth for you. And about five to zero in defensive, like your cash, your gold, your fixed interest. Now the difference then in a high growth, it's about a 10% difference. So you will have about 90 in your growth assets and about 10 in your defenses. Does that make sense so far? Yes. Yep.","start_word":1524,"end_word":1800,"sentiment":"neutral","sentiment_score":0.09704723209142684},{"text":"Perfect.","start_word":1801,"end_word":1801,"sentiment":"positive","sentiment_score":0.34340280294418335},{"text":"And, also, making sure from a time frame point of view that you have enough time in the market. In an aggressive portfolio, ideally, we would like to leave at least ten years on your retirement for making sure that you have enough time in the market for those short term fluctuations. So from a time frame point of view, you you still have that behind you in a aggressive portfolio. If that is still something that you are comfortable with seeing those kind of higher fluctuations with the market, or would you like to look at potentially reducing that down to a high growth? Or what are your thoughts? No. I'd I'd I'd like to take it as it is. Yep. Okay.","start_word":1802,"end_word":1924,"sentiment":"neutral","sentiment_score":0.03601178354242953},{"text":"Great.","start_word":1925,"end_word":1925,"sentiment":"positive","sentiment_score":0.5457025170326233},{"text":"Now, David, do you have access to your emails at the moment? Yeah. Yep. Okay. So what I have done is I have just sent you an email with some documents to go through if you are able to access that for me.","start_word":1926,"end_word":1968,"sentiment":"neutral","sentiment_score":0.21521176397800448},{"text":"That gives you a bit more breakdown of your current super balance and performance and stuff like that as well for your insurance.","start_word":1969,"end_word":1991,"sentiment":"positive","sentiment_score":0.3490723967552185},{"text":"So if you could click into the email for me. Now we have this changed software, so it might look a little bit different to what you are potentially used to. But if you can click on the link where it says sign now, now it will allow you to open up the document and view everything before it prompts you to sign anything. So what what's this asking me to to sign up for another year, or what's it asking me to do? It will only ask you to add the signature, which is the ongoing service fee at the end. But you can click on the link, and that just allows you to view all the documents that I would like to go through with you. You don't Yep. have to sign anything until at the end, and only then if you're comfortable with that. What am I starting exactly? So I'll show you the document that it will ask you to sign when we get to them because there's quite a few documents and not all of them need signing. Yeah. Alright. Because I'm I'm I'm looking at switching. Yep. That's okay. We can have a bit of a talk about that. If you wanna just click on the link for me though, David, it can Yeah. show you how your situation is. And if you're not comfortable with it, then I will not get you to find anything at the end. Sure. Okay. Yep. Then bear with me. Okay.","start_word":1992,"end_word":2244,"sentiment":"neutral","sentiment_score":0.005205528344959021},{"text":"Perfect.","start_word":2245,"end_word":2245,"sentiment":"positive","sentiment_score":0.4149981737136841},{"text":"So can you see the first attachment there in the document? Yep. Yeah. And what does that one say just so that I can go through it in the order that you have it in front of you Summary to make it easier? of paper emulation and insurance. Yep.","start_word":2246,"end_word":2294,"sentiment":"neutral","sentiment_score":0.04853910580277443},{"text":"Beautiful.","start_word":2295,"end_word":2295,"sentiment":"positive","sentiment_score":0.6004989147186279},{"text":"So at the moment, you have your you have 24, and you do have a a $105,379 in there. Now you said, obviously, you are looking at potentially changing Superfund? Hang on. I've got a $105,000 in here. Is that what you're saying? Yes. But but when I'm on the website, it says that I've got 250. Let me have a look at the document for you. Let me just go into your account just to triple check that the documents were prepared correctly for you. Not yet. You are correct. I'm in your account at the moment, and it looks like the document did have incorrect information. So I will get the team to update those documents after the call and reissue them for you with the correct information. Now in your account right now, it's 260429. Is that what you see as well? Yes. Yes. Sorry. Apologies about that. I will get the team to update that straight away after the call for you. But, yes, you are correct. 260429 is in your, Hub twenty four account at the moment. Now you you did say that you are looking at changing Superfunds. Can I ask, have you started the process or your thought process behind it or where you are looking at going? I'm looking at going somewhere that doesn't have such high fees. Okay. So fees is the main kind of consideration? Yes. Yes. Yes. As well Yep. as I I don't know. I I guess I really haven't got a a great experience from Hub twenty four, which can be Okay. Okay. and Paul's and people. Yeah. And I'm whatever sorry to the the hear that. guys they're trying to invest in, it's I understand the markets are going down and and whatever it's done, whatever it's done. But, yeah, I just need to get some clarification into what all these fees are and why they Yep. say buy.","start_word":2296,"end_word":2618,"sentiment":"neutral","sentiment_score":-0.01858130656182766},{"text":"And, yeah, it's just it's just things have been a little excessive. So Okay. I'm just keep on putting more money in there, and you guys just keep taking it out.","start_word":2619,"end_word":2649,"sentiment":"negative","sentiment_score":-0.44579461216926575},{"text":"Okay.","start_word":2650,"end_word":2650,"sentiment":"neutral","sentiment_score":-0.18317921459674835},{"text":"And I'm I'm sorry for us to hear that you've had a not so great experience, especially with communication and stuff. That's the last thing we want.","start_word":2651,"end_word":2677,"sentiment":"negative","sentiment_score":-0.4283768236637115},{"text":"Now when it comes to this fees as well, so hub twenty four is sometimes depends on which industry funds you are looking at, but it can be a little bit more expensive from a platform point of view. And the reason is because it is a little bit more of that sophisticated platform that allows you to do a lot more with the investment. So often, obviously, when we are looking at the return on those investments, that tend to still put you in a lot better position after the fee because it gives us that flexibility when it comes to your investment choices. But it can be a little bit more expensive.","start_word":2678,"end_word":2791,"sentiment":"neutral","sentiment_score":-0.03668683394789696},{"text":"Now if you are happy for me to do so, it is up to you.","start_word":2792,"end_word":2806,"sentiment":"positive","sentiment_score":0.3742062449455261},{"text":"I'd be happy to do some some more research on your account, see how much you are like, putting it all into a strategy advice document for you to check exactly the the fees and everything, especially with the investment fees and everything, and compare that to a couple of other industry funds for you, like your more low cost option, and seeing if when we're lower fees that with the investment as well, if that is going to put you in a better position at the end of it. Would you be happy for me to do that, or what are you that? Yeah. Yeah. Of course. Of course, you can do that. I'm just going through it and, yeah, the fees are just they're just out of hand. Yeah. Adviser And is that mainly fee. a hub 24 or the adviser fee or kind of combination of both? Combination of all of them. And now Okay. what's we got a new one, which is a tax liability fee, which is 10,200, advisor fee, portfolio fee. Yeah. It just it just goes on and on. It's it just keeps on getting deducted. So I'm just taking one step forward and two steps backwards. Yeah. Okay. And, yeah, that's not what we want at the end of the day, and I also have an obligation to follow that best interest duty, which is making sure that the adviser I am recommending for you will put you in a better position. And if I do research on your investments, your hub 24, your adviser fee and everything, and if I can find a more suitable option in another super fund, then I will recommend that for you at the end of the day. But I just want to obviously make sure that I do the research so I can assess everything for you in detail before I do make that recommendation, whatever that might be, as long as it will put you in a better position. Sure. Okay. Yep. Whatever Yep. it is you wanna recommend, but I'll I'll look into other things myself. But, Yeah. yeah, I'm Is just there not any no. And that's is there any specific funds that you have started researching that you would like me to include in that comparison for you? No. Just just just the general, the Australian server and host parts Yep. and aware and I'm I'm looking to them all. Yep. Okay. Perfect. I was with host parts. That's because of where my the industry I was in. Yep. Yep. And I'm waiting for a callback from them today to have a chat and some advice in in what Okay. to do, but Okay. I feel I'm just not getting anywhere. They passed they passed wild Okay. Yeah. They're 20 And with your when you four. when you are looking at your Australian Super and Host Plus, are you also looking at your, like, aggressive portfolios as well, or are you comparing yep. Okay.","start_word":2807,"end_word":3309,"sentiment":"neutral","sentiment_score":0.09007458989443648},{"text":"Perfect. That's good.","start_word":3310,"end_word":3312,"sentiment":"positive","sentiment_score":0.4028153717517853},{"text":"Because sometimes they don't always have your your aggressive. They have high growth for sure. But if you are looking at the same kind of risk comparison, because sometimes your more aggressive portfolio can be a little bit more expensive as well because you have a little bit more of that active management.","start_word":3313,"end_word":3365,"sentiment":"neutral","sentiment_score":0.018006594851613045},{"text":"So that is good.","start_word":3366,"end_word":3369,"sentiment":"positive","sentiment_score":0.4599065780639648},{"text":"So I will factor that in in the research for you anyway. Like, I'll look at also So if the the host plus so so are aware. just explain to me the the adviser fee is is is to you, to to. To to Oakview Financial. Yes. So it's $3,354 a month, and and that's that's that's getting more and more. Okay. And so the port portfolio service fees, what's that? What's that? That's just a normal fee to to have 24? That's for your investments. So that's for your investment options in Hub twenty four. And Okay. with the adviser fee as well, which you will see in the last document later, is I'll get the team to just triple check everything, though, for you just to make sure it's all correct. But the advice fee and why it is going up is because your super balance is going up. So I'm not sure if you remember, obviously, when you when you came on board and did the advice or during last annual review, the advice fee structure And how do I it's still the same, so it hasn't gone up, and that is 1.65% of your super balance. Now as your super balance go up, that fee will go up because it is a percentage of your super balance. Does that make sense? Yes. So so that's that's to that's to advise the fee. Correct. That's So that's paying the only you guys fee that to we to manage get. it. It's paying you guys to manage manage money. Correct. Yeah. To manage your investments and insurances and stuff. Yeah. Okay. And so what's the portfolio service fee? That's that's straight to Hub twenty four. Correct. That would be for your Yeah. investments in Okay. Hub 24. Yes. Okay. And so what about the tax liability? So that would be let me have a look. I would have to triple check your transaction account to know exactly, but often that would be a contribution. So, obviously, your employer puts contributions in through your superannuation, so that will be taxed because of that, and that would be all the time or if there's any way where you have exceeded the cap spaces. Perhaps 80,000, and you're not making an additional contribution to your employer. That's right. Yeah. Then you shouldn't exceed that. So you wouldn't say that. But I can part of the the research just investigate that for you. It's just through Metro and go through all the transactions just to triple check all of that for you. And do you know as well in your hub 24 how you can pull, like, the different reports to see everything as well? Yeah. You can explain that to me, but but I didn't quite get that answer about the tax liability. What does it mean? Where does it come from? But why do I get charged $1,263? So that would be taxed from within your superannuation. So I would have to triple check exactly what it is in regards to, and I will let you know. But often, that would be, like, contributions and stuff going into superannuation because of the tax. So that would always be be the case So regard it's tax on top of my super. tax within your superannuation because contributions and everything going into super is still tax. It is concessionally, but only at 15%. Okay. So where does that money go to? Is it It so will where go is through that? like, it will be within the hub like, within your super funds. So it will be, like, taxed within within that, that gets paid. So what is that is that is that is that is that Hub 24 or or IQ? Or where does it go? Not not not to where you wouldn't get anything. It will be all within the the super fund, and then they would obviously pay tax within the super fund, and then they are liable to pay things to the HEO as well, how that system works. Okay. But yeah. No. That would not be to us or anything like that. But I will triple check exactly.","start_word":3370,"end_word":4070,"sentiment":"neutral","sentiment_score":-0.009981064335144152},{"text":"I will go through a bit more extensive when I do the research on all your transactions just to make sure that all looks good for you as well.","start_word":4071,"end_word":4099,"sentiment":"positive","sentiment_score":0.3972378671169281},{"text":"Okay. Alright. Okay. What what what else needs to be talked about? Are you gonna show me around the site, are you? Am I what? Sorry? Gonna show me around how to use the the website? Yes. I can if you would like to. So in the so what I meant was the report. Sorry. In your hub 24, are you on the account at the moment? Yes. I am. Yep.","start_word":4100,"end_word":4170,"sentiment":"neutral","sentiment_score":0.069910617361606},{"text":"So a good way as well, especially to because the good thing with hub twenty four is that gives you all that transparency that you can pull a lot of different reports.","start_word":4171,"end_word":4202,"sentiment":"positive","sentiment_score":0.6223562955856323},{"text":"So do you have at the top where you have, like, three little dot points? And it will give you, like, a drop down of portfolio, reports, withdrawals, investments. Yes. Can you see that? Yep. So where you go under reports, where you see account reports, you can actually click on that one, and it allows you to do a lot of different reports, especially if it's something that you are interested in having a load a little bit more in-depth look at. So you can have a look at all the report features, and it will show you, like, performance reports, fee reports, income expense reports, transaction.","start_word":4203,"end_word":4310,"sentiment":"neutral","sentiment_score":0.2099194228649139},{"text":"So there's a lot of really good thing within the Hub 24 app that gives you kind of that transparency when it comes through all your investments and everything like that.","start_word":4311,"end_word":4341,"sentiment":"positive","sentiment_score":0.5717657804489136},{"text":"But talking about your investments, if you go back into the email for me let me see here. Seems like there's, like, a little bit of a glitch here for me. What I will do is I will get the team through reissue these documents and send it after the call so you have all the correct information in front of you. But while you are in the portal, we can actually have a look at it, and it's the one that's called performance with IRR. Can you see that little function? Yep. Yep. Perfect. Now you can pull usually, we look at a twelve month period, but it will allow you to do a lot of different date ranges depending on what you wanna look at. But, typically, for the under review, we do look at a twelve month period. Let me just wait for that to load. So what's I r r? Yeah. So that is internal rate of return. Now let me just wait for my computer to load here. It does take a little bit of a minute. Sorry. Just R? bear with me. My computer's leaning a little bit slow here. I'm just trying to download this one. Could you find that function okay on your end? Nope. Yeah. Okay. So that one here. So if you through the twelve month period, you will see from the 06/16/2025 through the 06/15/2026. And did it give you a bit of a report, like a PDF version popped down when you clicked on the internal rate of return? Yep. I've got it at the 07/01/2025 to the 06/12/2026. Okay. Because I just did the twelve month from today. So just from the June 16 to '25 to 06/15/2026, but I can send you this report after so you have that twelve month report that I'm looking at as well. But to give you kind of an update on your investments and everything like that, now in the last twelve months, this shows you how your return of your investments have been. Now you are obviously in an aggressive portfolio, so we do see a bit of fluctuations because of it, especially when there's a bit of market fluctuations. Now despite that, though, and I will send you this report, and so I will send you a new updated email afterwards, that tells us that in the last twelve months, now this is just return on your investment.","start_word":4342,"end_word":4751,"sentiment":"neutral","sentiment_score":0.05985176539411995},{"text":"So after fees come out of your account, your portfolio has gone up by 11.84% after fee, which is really good given the market we have had in the last twelve months.","start_word":4752,"end_word":4783,"sentiment":"positive","sentiment_score":0.4653205871582031},{"text":"Hello? But I will send you this document so you can have a look at that as well, but it does break down all your investments and how they have performed. Now when I do send it through to you, you will have a bit of a look that most of your investments have done really well. But there is one investment that part of the research I would like to look at swapping for you, and that is your Benelung Australian equity fund. You can probably see even though you have a different time frames, it would be similar where that one is down at the moment. And it can fluctuate because it is a managed fund, but the purpose of it is to actively buy and sell different investments in order to kinda outperform the market. Now they have done really well and been very successful at doing so, but more recently, they have been a little bit slower in making those decisions. And the investment committee do research all the time on the investment. And if we foresee that there might not be the best option moving forward or if there's potentially other ones that's going to put you in a better position, then we want to be proactive with your investments and making sure that we make recommendations to switch things out if need be. So part of the research is that I will consider swapping that one for another option So which one was it? Better which? to Ben along Australian equity. So that I'm listed on here, is it? I I don't have that. I got Better Global, Better SP five hundred, Better Share Nasdaq, Better Yep. Share, where is it? It's Raffy? yep. RAS Yep. Alt. Yep. Is Yep. that the one? So it's the one above that. Sorry. The app the absolute first one. To which one? Above Desktop. global cybersecurity? Oh, okay. Australian Can you lithium. see I don't have anything. The first one is Better Global Cyber. Okay. Oh, better I long. was Here we go. Sorry. Sorry. yeah. Yeah. Okay. Kind of.","start_word":4784,"end_word":5136,"sentiment":"neutral","sentiment_score":0.03457690913641757},{"text":"Perfect.","start_word":5137,"end_word":5137,"sentiment":"positive","sentiment_score":0.34534159302711487},{"text":"I was like, I can see it here, but I'll send you these documents anyway in case it's looking different. So, yes, that's the one. Okay. So then you're saying that that's not doing well.","start_word":5138,"end_word":5172,"sentiment":"neutral","sentiment_score":0.04037347063422203},{"text":"That one is underperforming a little bit.","start_word":5173,"end_word":5179,"sentiment":"negative","sentiment_score":-0.4671662747859955},{"text":"So I would like through part of the research to consider switching that one for you. But I would like to do the research because I wanna assess especially capital gains tax implications. Every time we do sell an investment, there will be capital gains tax. So I wanna assess all of that for you before I make a recommendation and put it all into a document so you can see exactly what all the potential fees would be, how that would change things from a total overview fee point of view as well as well as the return. So I want to do that kind of a bit more extensive, put it all in a document for you if I do find some other options to switch it for and let you know. Okay. Yep.","start_word":5180,"end_word":5315,"sentiment":"neutral","sentiment_score":0.19938015937805176},{"text":"But you can see probably the other ones there that you can see that they've done pretty good, and that it, again, is considering that you are in a aggressive portfolio.","start_word":5316,"end_word":5346,"sentiment":"positive","sentiment_score":0.3435611128807068},{"text":"So see a bit of those short term fluctuations. So, overall, like I said, we've had a bit of, obviously, turbulent in the market. Your portfolio has done really good at 11.84% after fee because And that where is where what we are also you reading the 11.48%? so Where that is where on are you? page yep. Sorry. That is a good question. So on page two, now if you have a different time frame on to me, then you will have a different phase. You will have a different result. So because my report that I just pulled is twelve months, so 06/16/2025 to 06/15/2026, Where it shows is the second column to the right on page two where it says internal rate of return. Mhmm. Yep. So that will have for me, and I will send you this, like I said, after the email sorry. After the call, I will send you all of documents so you can see exactly all of them, and I can send you a separate fee report as well for the same period so that you can see the exact breakdown of all the fees, how much in the last twelve months was paid as adviser fees and investment fees and account fees and everything. So you can see the full breakdown, but I will include it when I do the the research proposal for you anyway. But then this way, you will have a report of it sooner as well, if that would be helpful for you. Sure. Yep. And Okay. so what about what about the note three? What what what does that mean? Why is that higher? Note three. So the far right IRR, internal rate of return, So for for me, the report I have, it is exactly the same because I have a twelve month period. Now if you've pulled one that's not twelve months, the internal Annual rate of return for number two will show you the time frame that you pull the report versus note three is then showing you a twelve month period. So that would be the difference between those. But because I did twelve months, it's exactly the same for me. Okay. Yeah.","start_word":5347,"end_word":5717,"sentiment":"neutral","sentiment_score":0.06241455674171448},{"text":"So that is a very good question. Alright. Okay.","start_word":5718,"end_word":5726,"sentiment":"positive","sentiment_score":0.5021411180496216},{"text":"Yep.","start_word":5727,"end_word":5727,"sentiment":"neutral","sentiment_score":0.2744901776313782},{"text":"Alright. That's good. Okay. Perfect.","start_word":5728,"end_word":5732,"sentiment":"positive","sentiment_score":0.5988407731056213},{"text":"Now like I said, David, I will go and do some research on your investment. Put a proposal together for you where you can see everything. Now the other thing is just your insurances as well. So you do have some insurances with MetLife. Have you thought much about what you would like to do with your insurances as well if you are looking at changing Superfund? No. So explain that to me. Just the insurance this insurance is just insurance for my my desk and so forth. Is that right? Correct. So you have you have a little bit of everything. So part of the document that I will send you afterwards as well, it will break down all of that in detail for you when the system is cooperating with me. Cooperating with me. Now what you have at the moment, so you have insurances paid from within hub twenty four. So if it is that you want to change super funds, you'd have to be mindful of the insurances. Because let's say you cancel hub twenty four, because that is where your MetLife insurances are paid for. If there's no funds for it, they can get canceled unless you change where they get paid from. But what you have at the moment, which, like I said, I will send to you after the call so that you have all that information, is that you have 320,000 worth of life cover. So that is if something were to happen to you and you would pass away, that would then be paid to your kid. You also Yep. have 320,000 worth of total permanent disability insurance. So that is if something were to happen to you and you were to become totally and permanently disabled and could never go back to work again. That would then be paid up to you. Okay? Yep. And then you also have an income protection policy. Now the income protection is to provide you with a temporarily income replacement if you are temporarily unable to work. Now that pays you a monthly amount, and that will be $4,900 on a monthly basis. You have a thirty day waiting period, which means that you have to wait thirty days before this income protection policy would be paid. And then you have a two year benefit period, which means that it will be for a two year up to two years, you could be on this income protection policy for if you are eligible. Does that make sense? Yep. Yep.","start_word":5733,"end_word":6157,"sentiment":"neutral","sentiment_score":0.02207163143026478},{"text":"Yep. Perfect.","start_word":6158,"end_word":6159,"sentiment":"positive","sentiment_score":0.5029071569442749},{"text":"Now when it comes to those three insurances that, like I said, is paid from within your hub twenty four account, and the total premium for all three is $2,320 and 56 per. So you have to pay the 2,020, that that premium to get the payout figure? What was that? Sorry, David. I you just cut out a little bit for me. So you'd have to pay the premium of 2,000 whatever you just said to be able to get your your your payout figure of disability Correct. or Correct. yep. So every year, you have to pay that 2,320 in order to have that cover in place if something were to happen. Yep. Yep. Yes. Now Now do you have any questions in regards to your insurances? Part of So the reason the Mhmm. insurance the insurance comes out of my my my hub 24, my Subaru. Correct. Is that right? Correct. Yes. So sorry. Could you give me that amount again? 2,000. 2,320 and 56<unk>. It will also be on the document that I will reissue to you after the call today so you have it all in writing as well. That's Netlife Insurance. Correct. Yes. Right. Okay. Now part part of the research when I look at your super for you, are you happy with the amount of cover you are insured for, or how do you feel about the level of cover? Are you happy with that, or do you want any changes when I do look at things for you, or are you quite comfortable with how much you are covered for if something were to happen? Yeah. But, I mean, if I wanna be covered for more, I gotta pay more per year. Correct. Is that right? Correct. Yep. You have to pay more. And then because the good thing with the type of cover you have in place, which is why it's it's very different to your standard, like, group cover, that would be, like, your default cover option with, like, or suit for a host plus and stuff. It's very different. The the MetLife insurance is is tailored to you. So when you applied for the cover, you went through a bit of a questionnaire answering your lifestyle, income, health, anything like that. Do you remember that? Yep. Yep. Sorry. What that basically was is that you then looked into a contract with MetLife, and they can't just go and change your insurances for you. And anything that would happen to you medically or illness or if you take up a super risky occup a hobby or anything like that, you are covered for. So it gives you that certainty because it's already kind of locked in and put in place.","start_word":6160,"end_word":6619,"sentiment":"neutral","sentiment_score":0.046027040351992066},{"text":"So it's very tailored specifically to you.","start_word":6620,"end_word":6626,"sentiment":"positive","sentiment_score":0.34240373969078064},{"text":"Whereas Okay. your standard kind of group cover, they just assess it at the time of claim if you are eligible for the payout depending on your health and occupation and stuff like that. Yep. Yep. Any questions when it comes to those insurances there, David? No. That's fine. I mean, it'd be good to be able to pay less per year, but I don't think you can change that, can you? I can by reducing how much you will get paid out if something were to happen, but that would basically be the way. Yep. So if you if you feel like you don't need 320,000 or that level of income, I can get quotes of reducing it. But, obviously, that would mean that if something were to happen, you're not gonna have as much cover if something were to happen. But that would kind of be the way to reduce the cover, the premium. Yep. Understand. Yep. Would you like me to look at getting any quotes, or are you happy for the time being with that amount?","start_word":6627,"end_word":6806,"sentiment":"neutral","sentiment_score":0.008214381523430347},{"text":"No.","start_word":6807,"end_word":6807,"sentiment":"negative","sentiment_score":-0.42259418964385986},{"text":"I'm happy spending time being with that amount. Okay.","start_word":6808,"end_word":6816,"sentiment":"neutral","sentiment_score":-0.17125838994979858},{"text":"Perfect.","start_word":6817,"end_word":6817,"sentiment":"positive","sentiment_score":0.561821460723877},{"text":"Now part of the document that I will get the team to reissue out to you so you can have a look at it as well after the call, David, is you will also have just a Vanguard index chart part of the document. It is just a good visual representation of what we are talking about when we're talking about the market, but you can kind of see historically just just a graph going back to 1995 to show you all the ups and downs of the market. Now you will also have an updated financial services guide. That one, you probably would have seen a couple of times. It is just an updated document. It does give you all the important information in regards to us here at Oakview Financial. Gives you some information about the team, our director's advices. Everything is in there for you if you would like to have a bit of a read over it. Then the document, we'll ask you to sign and only if you're comfortable with that, but that would be your ongoing service agreement. But don't sign anything that you have now. I will get that all fixed and updated for you, Mhmm. which is the the fee we mentioned, which is then your ongoing service agreement.","start_word":6818,"end_word":7034,"sentiment":"neutral","sentiment_score":0.17882543788527563},{"text":"Now that form is to say that you are happy to stay on as a client, but I'm happy to do, obviously, the research and everything for you first in a bit more detail before, obviously, get you to commit to anything and seeing how you are feeling.","start_word":7035,"end_word":7082,"sentiment":"positive","sentiment_score":0.4868657886981964},{"text":"And it is not a lock in contract at all. So even if you were to go, okay. After the research, you are happy to stay on for a little bit, it is not a lock in contract. You can cancel it whenever you want to. There is no exit fee. And even though when we do the research, we usually give you a yearly fee structure, so yearly how much is going to cost. It does come out like you would have seen in your account on a monthly basis. So it is only deducted on a monthly basis for you. Does that make sense? Yep. Yep. K.","start_word":7083,"end_word":7191,"sentiment":"neutral","sentiment_score":0.12264390289783478},{"text":"Perfect.","start_word":7192,"end_word":7192,"sentiment":"positive","sentiment_score":0.581705629825592},{"text":"Now, David, it will take me about a week or so to put together all of this research for you. So do you have any time sometimes sometime at the end of next week around Yes. Wednesday, potentially, for me to give you a call? Yes. Yes. Yeah. Okay.","start_word":7193,"end_word":7241,"sentiment":"neutral","sentiment_score":0.18681129813194275},{"text":"Perfect.","start_word":7242,"end_word":7242,"sentiment":"positive","sentiment_score":0.5629502534866333},{"text":"Now what I will do as well is when I do call so we don't have the same issue with the phone not coming through, I'll call you twice, and then I will send you if for some reason it doesn't go through, and I will also send you it's usually text or email. What's the the quickest for you usually? That is fine.","start_word":7243,"end_word":7306,"sentiment":"neutral","sentiment_score":0.06454706192016602},{"text":"It's fine.","start_word":7307,"end_word":7308,"sentiment":"positive","sentiment_score":0.3847229182720184},{"text":"I've always got my phone.","start_word":7309,"end_word":7313,"sentiment":"neutral","sentiment_score":0.2725757360458374},{"text":"Okay. Perfect.","start_word":7314,"end_word":7315,"sentiment":"positive","sentiment_score":0.4416363835334778},{"text":"I will do via the phone, and if there's some issues, I will just try calling twice and try to leave a voice mail. Hopefully, it was just this time around that the phone was having a bit of a glitch. Now Wednesday at the moment, I have afternoon appointment. Do you have any particular time on Wednesday that would work best for you? So that'll be Wednesday, the twenty fourth. No. Whatever time suits. Okay. What what time have you got? Let me see. I could do 02:00. Would that be okay? Yep. That's fine. Yes. Okay.","start_word":7316,"end_word":7413,"sentiment":"neutral","sentiment_score":0.05479014664888382},{"text":"Perfect.","start_word":7414,"end_word":7414,"sentiment":"positive","sentiment_score":0.3965553641319275},{"text":"Well, I booked that in on Wednesday, June 24 at 2PM for you. I will do, like I said, a bit more in-depth in regards to all the fees, performance, and everything like that. Put a bit of a proposal together if I feel like we should change anything. Part of the research, like I said, I will also consider a range of different industry funds to show you would, okay, if you do wanna go to host plus or super, what's going to be the tax that you potentially have to pay to move? What are the fees and what are the returns so that you can have all the information in front of you before you do make a decision on what you would like to do moving forward? Yep. Sure. Okay. Like I said as well, I will get the team to send you a new document. So it'd be a new digital link. Again, it will allow you so when you click on the link, it's not going to ask you to sign right away. You can see all the documents that I kind of went through today. The performance, it will show you the the super balance and your insurances and everything.","start_word":7415,"end_word":7621,"sentiment":"neutral","sentiment_score":0.19560670852661133},{"text":"So you're welcome to go and have a look at that as well.","start_word":7622,"end_word":7634,"sentiment":"positive","sentiment_score":0.7016989588737488},{"text":"And if you have any further questions, just give me a call. But, otherwise, I will give you a call on Wednesday, June 24 at 2PM. Yep.","start_word":7635,"end_word":7661,"sentiment":"neutral","sentiment_score":0.19756850600242615},{"text":"That's fine.","start_word":7662,"end_word":7663,"sentiment":"positive","sentiment_score":0.4078222811222077},{"text":"And so how how does this document that was sent to us incorrect? It was with the 01/5000 I of would the token I 3 would and have 50. to just check with the team who prepared the documents. So I'll go and speak to them after the call today and just triple check that for you. Yeah. But it is so so it's just going back to the amount that I had in my super. Mhmm. Can you just reiterate that for us? And I just need Yes. to go back to my how do I get back to my my graph? Is that in account menu? So, usually, if you just click on home, it should take you back to, like, your home screen. Sorry. Usually. Yes. But 260429. Yep. Yep. Yep. But I will put that I will get there. I will go and speak to the team and get those updated. So I will cancel the one that I have sent you at the moment. So, obviously, don't do anything with that. I'll go and cancel it, and I will get it reissued through you. You should have it within the next thirteen minutes in your inbox. So keep a little lookout for that one. Like I said, it will ask you to click on the link again. You can still view all the documents, and it's not going to get you to sign anything until the end, but you don't have to. Yep. Yep. Now just going back to you wanting to change my Australian investment. How do I The get Benelon back to them? potentially. Yep. Yeah. How do I get back to my my cash statement? Where we were, like, looking at the transactions. Yeah. Is So it in if account? you go if you go into those three little dot points again, it should have account reports. Or even on the home Oh, screen, no. sometimes No. No. Yep. you can scroll down. Yeah. I found it. So a cash statement. Okay. Yeah. Text liability. Yep. Okay. Something like that. Okay. Reports. So what you're you're saying that you want to change that, Potentially, But but I'd need to do the research before I can tell you what I suggest yeah. that you do. And so Yes. so so so your reasoning for wanting to change that is that it because it's not performing well? Yes. So from the investment committee, because they obviously Mhmm. do research on the investments all the time, is that it has been underperforming a little bit recently. And if that is the case, Okay. then we want to go and do more research on the investment. But I won't say, obviously, do this or do that without putting everything putting a formal recommendation together and do all that research with, you know, the fees and the returns and capital gains tax and everything before I tell you what I think we should do. Okay. So, Yeah. I mean, from from from reading it, I mean, it says the the market value at the start of period is 39 and now it's at 32. So that's the that's the drop that you're talking about. So the one that I can see here is when I just looked at the twelve month period. So we can see that even on, like, the gain and losses, you can see that it is, yeah, down a little bit, but all the other ones are positive. But it's just enough for me to go, okay. Well, we wanna go and investigate a little bit more just to make sure we have you in the best option. Because if we when the investment sorry? Oh, yeah. Yeah. So we wanna make sure I do a bit more in-depth in regards to that investment to make sure it's still going to be the best one for you. Because sometimes if an investment is down, if it's a bit of, like, a cyclical trend with what is going on, we don't also wanna sell when things are down if we proceed coming back around. But if we see that there's going to be potentially other best options that's going to, you know, improve their returns and especially those fees that you're talking about, if I can find something that's cheaper and still still give you a similar outcome, then I wanna assess that for you to try and to reduce those fees as much as possible by not compromising on the returns and your retirement Yep.","start_word":7664,"end_word":8425,"sentiment":"neutral","sentiment_score":-0.012995847361528968},{"text":"outcome.","start_word":8426,"end_word":8426,"sentiment":"positive","sentiment_score":0.3561338782310486},{"text":"Yep. So can Yep. you just run through it with me, like, that performance sheet that you're talking about? So I think Yes. the start there, we've got the market value at the start of period. So that's Yep. how much we that's how much we bought it for. Is that right? That's 80 Let me check. 39,784 nine is what I have in front of me. thousand? Oh, that's But because if you have you're a different different times yeah. but they seem to be the same. Like, market value and start up period. Does that does that mean that means what we brought it for? Is that right? Well, that much that was how much you had in that investment option at the start of that period. Now the start Right. of my period was June 16. So, obviously, if you had Yep. a different start period, it will be like that was how much you had invested in that investment option at the Okay. And so and then moving along, it says buys in period. time. Mhmm. Explain that to me. So that was how much what was bought into that investment for you? Right. And then the sales in period, so so we obviously haven't sold anything. Yep. Correct. And then the market value at end of period, so that's that's to now. Correct. That's how much we've got that's how much I've got in there. Correct. Yes. Okay. And then the incoming period Yep. is Will the be income derived from those investments. sorry. Say that again? That's income derived from those investments. Okay. And it So it's only 325. And then tax file tax file number amounts withheld. There's there's nothing Yep. there. Correct. Yep. So growth in period, Yep. explain that.","start_word":8427,"end_word":8724,"sentiment":"neutral","sentiment_score":0.02984316989579457},{"text":"That's growth on your investments.","start_word":8725,"end_word":8729,"sentiment":"positive","sentiment_score":0.392993688583374},{"text":"Okay. So because it's in brackets, does that mean that's a negative? Correct. Yes. So bracket means it's negative, and if there's no bracket, that means it's positive. Okay. And so total earnings, we've we've lost 7,760 Correct. We know Yes. yours is differently. Yes. Okay. So that's why I do wanna look into that one in a little bit more detail for you. Okay. And so is there is there a particular amount of stock or shares that we have to have? So, like, can we just so we've got 12345678 Mhmm. altogether. Yep. But do we have to have eight, or do we just can we just have one, or do we have to have a certain amount? No. You don't have to at all. It's obviously when we put together the portfolio, there's a lot of things that goes into putting a portfolio together. And a lot of it first is making sure that we align with your risk profile. So that aggressive that we do wanna have majority of your fund in your growth investment. And then you wanna also make sure you look at a lot of diversification and if that elements through the. If you have everything in, let's say, one investment option, obviously, it's not very diversified. So let's say if everything was in bed along, then, obviously, that would have you know, when it's doing really good, it's doing really, really good. But when it's doing not so good, like, at the moment, then that would mean that everything will be in that investment option. So we wanna make sure we diversify things for you. So if something happens to one investment, it spreads out that risk. Does that make sense? Yeah. Yeah. Yeah. Definitely. So Yeah. so Yeah. there's no limit to the amount of shares that we we can invest in. No.","start_word":8730,"end_word":9041,"sentiment":"neutral","sentiment_score":0.06603100895881653},{"text":"You the good thing with Hub twenty four is that there's hundreds of different options if you wanted to.","start_word":9042,"end_word":9060,"sentiment":"positive","sentiment_score":0.45068588852882385},{"text":"But then at the same time, you know, we we consider, well, it might not be worth having, like, a Yep. $2 in one investment option. Sorry. There's a lot that goes into it, but, no, we'd have 24. There's no restrictions on how many investment options. Yep. There are sometimes limitations on how much you can have in one investment option. So some of the investment options have a cap where you can only have, let's say, 30% invested in there till 35%. Some has 40. Some has less depending on what the investment option are of how much you can have into one particular option. Mhmm. And so if I turned around to you and said, I'd I'd like to remove all of my then along with saying equity funds and and move Mhmm. them all into lithium or Mhmm. or NASDAQ or whatever, then Yep. you you you can just do that for Yes. So if you so there's two ways when we do advise. So, obviously, we I wanna make sure we do the research and recommend whatever is going to be the best for you and assess everything in detail. At the same time, if there's something specifically that you want so let's say you tell me, I just want to sell out of Benelung, and I wanna put everything in and I don't want advice, then we can do it under a transaction without advice. And that's just to say that you have requested for this to take place without us providing advice whether that will be a good or bad option. Mhmm. And is there a particular rule as to which we have to have? Like, do we have to have one No. Chinese? Do we have to have one Australian? Nope. Do we have to No. Nope. No. It's just when the portfolio manager put together the portfolios, they obviously wanna make sure they obviously have a different philosophy on how they put together everything. And part of it, again, is diversification, different industries, different sectors, different emerging markets when they put together the portfolio. But there is no you must have at all. The only thing is that there is a cash balance on the account. The hub twenty four does require a minimum cash balance of 1 to 5<unk> on your super, and that is just for, you know, fees insurances and stuff like that. But other than that, no. There's no you have to have any particular investment at all. Right. Now that was the first thing that popped up when I opened up the website, Mhmm. that I don't have a 1.25, account balance. Percent? Yep. Yeah.","start_word":9061,"end_word":9510,"sentiment":"neutral","sentiment_score":-0.021142633631825447},{"text":"So that that does change all the time depending on when fees come out, when insurances come out, when your contributions go in, and when it gets invested. So with the hub 24, they automatically adjust all of that as things kind of go into your account, but also as investments fluctuate. So if you ever get, like, a report from them saying there's too little cash or anything like that, you don't have to worry about it because it's all set in the back end, and it all evens out with everything for you.","start_word":9511,"end_word":9605,"sentiment":"positive","sentiment_score":0.48447442054748535},{"text":"Okay. So the warning Yeah. time that I have in front of me right now, warning Mhmm. your cash account balance is low. The minimum cash account balance is required at any time is 1.25 of your account Yep. balance. Yep. So what? You're just saying that I should ignore that? You don't have to worry about it because it gets evened out in the back end, and the team who manages everything do have all of that that they're aware of. So it Okay.","start_word":9606,"end_word":9690,"sentiment":"neutral","sentiment_score":0.17027361690998075},{"text":"this is something that they sent to let you know, but it does automatically it evens it out for you.","start_word":9691,"end_word":9710,"sentiment":"positive","sentiment_score":0.4917223751544952},{"text":"So, yes, you Okay. don't Okay. have You don't to have stress to worry or worry about that one. about that one. What was I gonna say? Now is there any restrictions on investing in crypto or what what what as we're talking about restrictions for which ones you can invest in, what is it not preferred? What's what's what? Hub twenty four Twenty four. don't do straight into crypto. The only investment option that they have into there is the one they have one investment option that's called crypto. It's not directly into crypto, but it does Mhmm. invest in companies who does invest in crypto. Yeah. That is kind of the only option available in Hub twenty four. Mhmm. It's something I can consider for you. Typically, it's not something we'd like too too much because there's not actually underlying assets, and it's very Yep. it fluctuates a lot. But if Yeah. that is something that you specifically tell me, I Yep. want this No. as Mike, then we can look at it. But No. does I'll that answer I'll that question? yeah. Yeah. Yeah. Definitely. I just Yeah. thought I'd I'd ask that question. Yeah. No. Maybe Yeah. Of course. that's probably something I can do personally. But just Yeah. going through what I've got. So Global Fiber ETS units. Yep. So what can you just explain what I'm investing in there with cyber? Yeah. So there's there's a lot of different options. So within each of your investment options, some of them have hundreds and hundreds of underlying investment options. So when I go through the research with you, I can, part of it, give you all that research material if you would like to know all of it because there's a lot. Sorry. Okay. It's not like one option. It's in one company. Like, Yep. for example, the usually, the easiest one is can you see let me see here if I can get it up for you again. Just bear with me. You see the beta s p 500 equal? Yep. So the one that says yep. For example, that one invests in 500 companies. Yes. Okay. So very diversified. So, again, when I reassess the investments for you, I can make sure that I also provide all the research materials for all of them and that we spend a little bit of extra time onto the investment for, you know, what's exactly into all of them. And like I said, I can give you all the research reports for every single one of them and what's included in all of them because there's there's a lot. Yep. No. No. That's Yeah. that's alright. So those Yeah. seven, other than the the Benelon, are all groups as such. They're not just one. Mhmm. Yes. Exactly. They're all ETFs. So they Yep. all it's not just, like, one company. No. It's Yep. not. Yep. So they're all all yeah. They're all ETFs, Yeah. obviously. Yes. Yeah. And what except for Global Expatriatex and Lithium, is that is that just one company or is that an ETF? That's also an ETF. So all of them is ETF aside from that Benelon at the Yep. top, which is your Yep. managed funds. Yeah. Yep. Okay. Okay. And so when you're talking about changing from Ben along, I mean, are you I think you said you're gonna send an email to tell me what it is you you did your research and tell her tell me what it is you're going to change. Mhmm. Correct. So so on Wednesday, I'll go through with you over the phone as well so then we can Okay. talk about it as well. Because I wanna make sure I go through all of it with you, but I will also send you a document at the same time and go through it together. And part of that is I'll point out if I do suggest that we change anything, which one it is and why. So Yep. so you have that document in front of you at the same time as I go through it with you, and you obviously have time after the call to have a read over as well because I don't wanna occupy too much of your time either. Yep. No. That's that's that's Yeah. fine. No worries Yeah. at all.","start_word":9711,"end_word":10442,"sentiment":"neutral","sentiment_score":0.04066876587686968},{"text":"Perfect. Alright. Yep. That's great. Thank you Yeah.","start_word":10443,"end_word":10450,"sentiment":"positive","sentiment_score":0.4887016117572784},{"text":"for No. That's okay. So just to recap, David, I will give you a call on Wednesday, June 24 at 2PM. that. And if I Yep. have the same issue with the phone, I'll just try to call you twice. Hopefully, it was just a bit of a glitch right now, or I'll try from one of my colleague's phones as well Yep. just to just to make sure, but I will call you. And after the call, I will also, within about thirty minutes, keep a look at your inbox, and I will get the team to reissue those documents that I kind of went through over with you today because the system seems to have a bit of a glitch, and I'll go and talk to them as well and triple check that information before we send it to you. Great. Okay. Yep.","start_word":10451,"end_word":10595,"sentiment":"neutral","sentiment_score":-0.03621924758471291},{"text":"Thank you very much for that.","start_word":10596,"end_word":10601,"sentiment":"positive","sentiment_score":0.5941106677055359},{"text":"No. That is no problem at all. Yep. And obviously, the downturn that happened in April 2026, the drop in my super, Yep. That was obviously due to everything that happened around the world. Correct. Yes. Yep. Okay. Yep. Alright.","start_word":10602,"end_word":10641,"sentiment":"neutral","sentiment_score":-0.035827651619911194},{"text":"Beautiful. Thank you very much for your time.","start_word":10642,"end_word":10649,"sentiment":"positive","sentiment_score":0.550475001335144},{"text":"No. That is no problem at all.","start_word":10650,"end_word":10656,"sentiment":"neutral","sentiment_score":0.3134368658065796},{"text":"Thank you so much for your time today, David. And Yep. I look forward to speaking with you next Wednesday, the twenty fourth as well.","start_word":10657,"end_word":10681,"sentiment":"positive","sentiment_score":0.5128791928291321},{"text":"But if you need anything Great. in the meantime or have any other questions, don't hesitate to call the office or send me an email. Okay? No worries. Thank you, Veronica. No problem at all. We'll speak next week. Okay. Thanks. Bye bye. Okay. Bye. Bye.","start_word":10682,"end_word":10727,"sentiment":"neutral","sentiment_score":0.15566003322601318}],"average":{"sentiment":"neutral","sentiment_score":0.061880034373025736}}}}