{"metadata":{"transaction_key":"deprecated","request_id":"01a08469-2533-7672-a562-ea2322719775","sha256":"fbd3cf5431a238bacafc9cab94c3313bb91fb14463dd3d993193a5a9798f3ab1","created":"2026-09-09T04:24:41.111Z","duration":825.55194,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3053,"output_tokens":95},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3353,"output_tokens":3360},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3353,"output_tokens":464}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Albert. This is Dana from OQ Financial. How are you today? I'm very well. Thank you. Thanks so much for returning my call. I'm so sorry I missed you before. How's you... How's everything? No. That's honestly all good. That's why I called twice, and I was about to send you a text message as well just in case you were busy, but it's honestly all good. Albert, I just have you booked in to run through your updated statement of advice. Is it okay to run through that with you now? Is now still okay? Legend. Excellent. And I normally email the document through through to you. Are you in a place where you're able to view that email at all? If you're not, that's okay. No. That's okay. If you like, what I'll do is I'll send it through to your email there. I'll go through the recommendations as easily as possible just to give you an idea of where we're heading. And then I have sent the documents so you are able to review that prior to taking it and signing it on board. Does that sound okay? Excellent. All good. So with the statement of advice there, when you look at your email, it has your name on the front. We date all of our documents for the date of the presentation, the 09/09/2026, and the advice is valid for sixty days. You do have some time to review it prior to deciding to take the recommendations there. On the front of the document, we do also note my license number. So I'm a licensed financial adviser, and my registration number is 1304394, registered with ASIC. Okay? As you are scrolling through, it does note the best interest duties that any advice provided does need to be in accordance with your best interest, making sure we're here to help work towards your goals. And then we've also got your scoping in and out. So with this advice essentially limited to superannuation for the time being. So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week. Does that still sound appropriate? Would there be any changes there, do you think? Yep. Beautiful. I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected. A will to distribute any of your assets in the event of your passing, and a power of attorney to make sure that if you are ever in a place of incapacity where you're unable to make your own decisions, that you have someone who can support you, that you've nominated someone who can follow your direction and act on your behalf for you. Okay? Excellent. With regard to this, we've also scoped out other areas. So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs. That is all being scoped out. No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently. Okay? Perfect. So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there. I had a look at the way you invested. You're in that balanced growth environment. And when we kinda talked about that, you were happy to stay in that environment. To kinda run it through for you, balanced growth portfolio tend to see about 70% of your super investing growth assets, like Australian shares, international shares, listed property, and commodities, like gold and silver, and then having a small... About a 30% defensive low risk component of, like, cash bonds and fixed interest debt. So you had mentioned you were happy to retain that kind of balance growth environment there. So I went back and had a really good look at everything and how it was all structured. When I looked at your current portfolio and how that was essentially working, looking at the the average five year returns, the portfolio had averaged about 5.06 over the past five years. Realistically, I kind of had a look and thought we could definitely do a bit better than that, and looked at maybe altering that portfolio and removing some underperforming investment there for you. Okay? So, essentially, with the car... With what I'm swapping out, the newer portfolio... And I don't know if we would've talked last time I explained that whenever I'm looking at researching investments, we also look and consider the capital gains consequence. Because whenever we are buying and selling or altering investments, there are CDT consequences just like you do a tax return every year. So does your super fund. So when I kinda went back and had a look at switching these investments out, I've tried to limit that capital gains consequences much as possible. So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good. The newer portfolio that I'm recommending is still keeping you in that balanced growth environment, but it has averaged about a 9.40% to average return over the past five years there. So so long as this portfolio can keep up and obtain that return, as you can imagine, it can put you in front pretty significantly and provide a greater projected outcome for your super for your retirement there as well. Okay? The other thing I like about this newer portfolio is that it's also cheaper. So at the moment in investment fees, you were paying about $950. This newer portfolio averages $344 in investment fees. It was actually saving you over $600 in investment fees for the first year. So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super. It's also cheaper, and it has performed much greater over the past five years, which, you know, looking at all those sorts of factors can put you in a much greater position over the next five to ten years, essentially. Excellent. With what we're gonna do and how this portfolio essentially looks to be structured, it's about replacing some of the investments that have been underperforming. So the Benelon Australian equities will be removed completely. We are also removing the silver component, the battery and lithium tech. The global Morningstar tech is gonna be removed as well. We're also going to just keep and rebalance the S and P 500. We're fully removing the Asia iShares investments, the Vanguard diversified index, and also the Vanguard Australian fixed interest index. Moving those and replacing them with other investments, essentially, once we've had all those sold and removed, we're then going to increase your exposure into physical gold because it has done really well. It is a really great growth asset, but also acts defensively as well and has still had, like, some really good growth over the past couple of years there. So keeping 10% physical gold within your portfolio. We're also going to increase your exposure into the iShares Europe, which is giving you exposure to all 16 European countries there. We want 7% invested in that investment. We also wanna increase cybersecurity, which also gives you some tech exposure as well. So we'll hold five... Sorry. 4% in that investment, and that's giving you exposure to global cybersecurity and tax. Then we've also got the iShares Japan, so 3% in the Japanese market to give you that kind of exposure. And then because we have removed some other areas, including Asia, we'll be looking at in... Incorporating the Vanguard or World ex US investment. This is essentially giving you exposure to the entire globe minus The US Of A. We don't need to have The US in an investment because we hold the S and P 500 there. But one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible. And this investment does that in a low cost way, which should be great. Does that make sense so far? Yeah. Beautiful. We'll hold 7% of that investment there. And then because we are removing the ban along Australian equities, it has underperformed. So we're gonna replace that so we still have some Australian exposure. With the BetaShares a 200, this investment is really good. It's actually giving you more diversification, which helps to lower market risk and also provides you with the top two... Exposures to the top 200 companies on the ASX, which is fantastic. And then we still wanna keep some low risk defensive investments. So we're having core composite bonds in there. That's giving you access and exposure to government and corporate bonds as well as some international exposure to other defensive bank notes and things like that as well. So all of those investments together encompass a newer portfolio. And, essentially, by buying some, selling others, and rebalancing, at the end of the day, you'll have a more diversified portfolio that's cheaper, has performed better, and we'll sort of track that forward and keep updated and keep reviewing that to sort of see how that works. I know it is a lot when you're not really looking at the document, but are there any questions that might have come out of that currently at all for you, Albert? Excellent. All good. So when you are looking at the document there, if you look down at page number 19, that's gonna have that there for you. You'll see all the red and green on the documents. The red's the ones that we're selling. The green is where we're gonna be purchasing those investments, and you'll be able to see where we sort of have that... Where that transition is and what you'll sort of have once that switch has been completed, which is really great. Okay? Excellent. Essentially, I also have got in here... This is a sort of an out... A bit of a projection to sort of look at the next eight years there for when you do get to that retirement side of things. So we've limited scope that in, essentially. We're not making a recommendation on the drawdown at this point in time. However, I do like to incorporate it on a limited basis just to sort of show you where you are projecting. So from the age of 70, given your current circumstances with eligibility of Centrelink and then also drawing some funds out of super to to kind of pull your income together. We have sort of looked at the projected outcome noting that the estimated income... Realistically, you're looking to try and get about 41,600 per year. You're able to draw a little bit over that incorporation. So it does show this is working towards your goal between your super and Centrelink. It is projected that you'll be able to, you know, have the income requirement that you're after, but this will definitely be looked at in a lot more detail as you get closer to actually taking funds out of sleep and actually retiring there. And one of the things that I will look at with you is when you get to retirement, what your income actually is that you wanna draw, how we draw that, And I can also in-depth look at Centrelink down the track for you as well to assess your eligibility side of things and give you a much more in-depth look at the drawdown and how that looks down the track. How does that sound? Excellent. The other thing we did talk about last time was looking at that transition retirement sort of strategy. We did look at that. However, it didn't actually put you in a better position. It actually put you in a worse position over the next eight years. So we decided not to go ahead with that and just to the investments which can keep you solely in the accumulation phase. I do have that research in the appendices if you do wanna go back and have a look at that, but this worked out to put you in a much better place and keep your super working a bit harder for you. Does that make sense? Yeah. Beautiful. Beautiful. So what I'll do is I've got the document in your email there. I will let you go back so you can have a really good look through it. Please do let me know if you do happen to have any questions there. I know it can be a lot me running through those things without you actually seeing it, so I do apologize. But I'll give you some time to read it over, and then you're welcome to come back and let me know if you do happen to have any all. Okay? Easy. Moving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you. Would you be comfortable with maybe a three or months catch up? What would you like to see, Alvin? About six months? Yeah. Beautiful. I'll pop that in my calendar. My team will make sure they touch base in six months as well just to do a bit of a catch up with you. Other than that, everything is all on track and working really well. I'll let you review the documents there. And, again, just let me know if there's any questions that do happen to come out of it. And, oh, there is no implementation fees. The advice is all part of our services, and you paying the ongoing service fee of 1.10%. Okay? Easy. All good. Well, I will let you go. I hope you have a lovely afternoon. And, again, just let me know if there's anything you need or any questions that you do have. But I really appreciate your time and you calling back. Thank you so much for that. Thanks, Albert. I'll talk to you soon. You have a good afternoon and a great weekend ahead. Thanks. See you later. 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Albert. This is Dana from OQ Financial. How are you today? I'm very well. Thank you.\n\nThanks so much for returning my call. I'm so sorry I missed you before. How's you... How's everything? No.\n\nThat's honestly all good. That's why I called twice, and I was about to send you a text message as well just in case you were busy, but it's honestly all good. Albert, I just have you booked in to run through your updated statement of advice. Is it okay to run through that with you now? Is now still okay?\n\nLegend. Excellent. And I normally email the document through through to you. Are you in a place where you're able to view that email at all? If you're not, that's okay.\n\nNo. That's okay. If you like, what I'll do is I'll send it through to your email there. I'll go through the recommendations as easily as possible just to give you an idea of where we're heading. And then I have sent the documents so you are able to review that prior to taking it and signing it on board.\n\nDoes that sound okay? Excellent. All good. So with the statement of advice there, when you look at your email, it has your name on the front. We date all of our documents for the date of the presentation, the 09/09/2026, and the advice is valid for sixty days.\n\nYou do have some time to review it prior to deciding to take the recommendations there. On the front of the document, we do also note my license number. So I'm a licensed financial adviser, and my registration number is 1304394, registered with ASIC. Okay? As you are scrolling through, it does note the best interest duties that any advice provided does need to be in accordance with your best interest, making sure we're here to help work towards your goals.\n\nAnd then we've also got your scoping in and out. So with this advice essentially limited to superannuation for the time being. So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week. Does that still sound appropriate? Would there be any changes there, do you think?\n\nYep. Beautiful. I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected. A will to distribute any of your assets in the event of your passing, and a power of attorney to make sure that if you are ever in a place of incapacity where you're unable to make your own decisions, that you have someone who can support you, that you've nominated someone who can follow your direction and act on your behalf for you. Okay?\n\nExcellent. With regard to this, we've also scoped out other areas. So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs. That is all being scoped out. No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently.\n\nOkay? Perfect. So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there. I had a look at the way you invested. You're in that balanced growth environment.\n\nAnd when we kinda talked about that, you were happy to stay in that environment. To kinda run it through for you, balanced growth portfolio tend to see about 70% of your super investing growth assets, like Australian shares, international shares, listed property, and commodities, like gold and silver, and then having a small... About a 30% defensive low risk component of, like, cash bonds and fixed interest debt. So you had mentioned you were happy to retain that kind of balance growth environment there. So I went back and had a really good look at everything and how it was all structured.\n\nWhen I looked at your current portfolio and how that was essentially working, looking at the the average five year returns, the portfolio had averaged about 5.06 over the past five years. Realistically, I kind of had a look and thought we could definitely do a bit better than that, and looked at maybe altering that portfolio and removing some underperforming investment there for you. Okay? So, essentially, with the car... With what I'm swapping out, the newer portfolio...\n\nAnd I don't know if we would've talked last time I explained that whenever I'm looking at researching investments, we also look and consider the capital gains consequence. Because whenever we are buying and selling or altering investments, there are CDT consequences just like you do a tax return every year. So does your super fund. So when I kinda went back and had a look at switching these investments out, I've tried to limit that capital gains consequences much as possible. So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good.\n\nThe newer portfolio that I'm recommending is still keeping you in that balanced growth environment, but it has averaged about a 9.40% to average return over the past five years there. So so long as this portfolio can keep up and obtain that return, as you can imagine, it can put you in front pretty significantly and provide a greater projected outcome for your super for your retirement there as well. Okay? The other thing I like about this newer portfolio is that it's also cheaper. So at the moment in investment fees, you were paying about $950.\n\nThis newer portfolio averages $344 in investment fees. It was actually saving you over $600 in investment fees for the first year. So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super. It's also cheaper, and it has performed much greater over the past five years, which, you know, looking at all those sorts of factors can put you in a much greater position over the next five to ten years, essentially. Excellent.\n\nWith what we're gonna do and how this portfolio essentially looks to be structured, it's about replacing some of the investments that have been underperforming. So the Benelon Australian equities will be removed completely. We are also removing the silver component, the battery and lithium tech. The global Morningstar tech is gonna be removed as well. We're also going to just keep and rebalance the S and P 500.\n\nWe're fully removing the Asia iShares investments, the Vanguard diversified index, and also the Vanguard Australian fixed interest index. Moving those and replacing them with other investments, essentially, once we've had all those sold and removed, we're then going to increase your exposure into physical gold because it has done really well. It is a really great growth asset, but also acts defensively as well and has still had, like, some really good growth over the past couple of years there. So keeping 10% physical gold within your portfolio. We're also going to increase your exposure into the iShares Europe, which is giving you exposure to all 16 European countries there.\n\nWe want 7% invested in that investment. We also wanna increase cybersecurity, which also gives you some tech exposure as well. So we'll hold five... Sorry. 4% in that investment, and that's giving you exposure to global cybersecurity and tax.\n\nThen we've also got the iShares Japan, so 3% in the Japanese market to give you that kind of exposure. And then because we have removed some other areas, including Asia, we'll be looking at in... Incorporating the Vanguard or World ex US investment. This is essentially giving you exposure to the entire globe minus The US Of A. We don't need to have The US in an investment because we hold the S and P 500 there.\n\nBut one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible. And this investment does that in a low cost way, which should be great. Does that make sense so far? Yeah. Beautiful.\n\nWe'll hold 7% of that investment there. And then because we are removing the ban along Australian equities, it has underperformed. So we're gonna replace that so we still have some Australian exposure. With the BetaShares a 200, this investment is really good. It's actually giving you more diversification, which helps to lower market risk and also provides you with the top two...\n\nExposures to the top 200 companies on the ASX, which is fantastic. And then we still wanna keep some low risk defensive investments. So we're having core composite bonds in there. That's giving you access and exposure to government and corporate bonds as well as some international exposure to other defensive bank notes and things like that as well. So all of those investments together encompass a newer portfolio.\n\nAnd, essentially, by buying some, selling others, and rebalancing, at the end of the day, you'll have a more diversified portfolio that's cheaper, has performed better, and we'll sort of track that forward and keep updated and keep reviewing that to sort of see how that works. I know it is a lot when you're not really looking at the document, but are there any questions that might have come out of that currently at all for you, Albert? Excellent. All good. So when you are looking at the document there, if you look down at page number 19, that's gonna have that there for you.\n\nYou'll see all the red and green on the documents. The red's the ones that we're selling. The green is where we're gonna be purchasing those investments, and you'll be able to see where we sort of have that... Where that transition is and what you'll sort of have once that switch has been completed, which is really great. Okay?\n\nExcellent. Essentially, I also have got in here... This is a sort of an out... A bit of a projection to sort of look at the next eight years there for when you do get to that retirement side of things. So we've limited scope that in, essentially.\n\nWe're not making a recommendation on the drawdown at this point in time. However, I do like to incorporate it on a limited basis just to sort of show you where you are projecting. So from the age of 70, given your current circumstances with eligibility of Centrelink and then also drawing some funds out of super to to kind of pull your income together. We have sort of looked at the projected outcome noting that the estimated income... Realistically, you're looking to try and get about 41,600 per year.\n\nYou're able to draw a little bit over that incorporation. So it does show this is working towards your goal between your super and Centrelink. It is projected that you'll be able to, you know, have the income requirement that you're after, but this will definitely be looked at in a lot more detail as you get closer to actually taking funds out of sleep and actually retiring there. And one of the things that I will look at with you is when you get to retirement, what your income actually is that you wanna draw, how we draw that, And I can also in-depth look at Centrelink down the track for you as well to assess your eligibility side of things and give you a much more in-depth look at the drawdown and how that looks down the track. How does that sound?\n\nExcellent. The other thing we did talk about last time was looking at that transition retirement sort of strategy. We did look at that. However, it didn't actually put you in a better position. It actually put you in a worse position over the next eight years.\n\nSo we decided not to go ahead with that and just to the investments which can keep you solely in the accumulation phase. I do have that research in the appendices if you do wanna go back and have a look at that, but this worked out to put you in a much better place and keep your super working a bit harder for you. Does that make sense? Yeah. Beautiful.\n\nBeautiful. So what I'll do is I've got the document in your email there. I will let you go back so you can have a really good look through it. Please do let me know if you do happen to have any questions there. I know it can be a lot me running through those things without you actually seeing it, so I do apologize.\n\nBut I'll give you some time to read it over, and then you're welcome to come back and let me know if you do happen to have any all. Okay? Easy. Moving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you. Would you be comfortable with maybe a three or months catch up?\n\nWhat would you like to see, Alvin? About six months? Yeah. Beautiful. I'll pop that in my calendar.\n\nMy team will make sure they touch base in six months as well just to do a bit of a catch up with you. Other than that, everything is all on track and working really well. I'll let you review the documents there. And, again, just let me know if there's any questions that do happen to come out of it. And, oh, there is no implementation fees.\n\nThe advice is all part of our services, and you paying the ongoing service fee of 1.10%. Okay? Easy. All good. Well, I will let you go.\n\nI hope you have a lovely afternoon. And, again, just let me know if there's anything you need or any questions that you do have. But I really appreciate your time and you calling back. Thank you so much for that. Thanks, Albert.\n\nI'll talk to you soon. You have a good afternoon and a great weekend ahead. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Albert.","start":2.08,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.13037337362766266},{"text":"This is Dana from OQ Financial.","start":2.6399999,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.17021985600392023},{"text":"How are you today?","start":4.3199997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.19961640983819962},{"text":"I'm very well.","start":7.2799997,"end":8.32,"sentiment":"positive","sentiment_score":0.5244109829266866},{"text":"Thank you.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.636875718832016}],"sentiment":"neutral","sentiment_score":0.28985387700445514,"num_words":17,"start":2.08,"end":8.639999},{"sentences":[{"text":"Thanks so much for returning my call.","start":8.639999,"end":10.66,"sentiment":"positive","sentiment_score":0.5858714665685382},{"text":"I'm so sorry I missed you before.","start":10.8,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.019175581634044647},{"text":"How's you...","start":12.639999,"end":13.44,"sentiment":"neutral","sentiment_score":0.033799879252910614},{"text":"How's everything?","start":13.44,"end":14.179999,"sentiment":"neutral","sentiment_score":0.03320235759019852},{"text":"No.","start":20.265,"end":20.505,"sentiment":"neutral","sentiment_score":0.039440590888261795}],"sentiment":"neutral","sentiment_score":0.2179113820587334,"num_words":19,"start":8.639999,"end":20.505},{"sentences":[{"text":"That's honestly all good.","start":20.505,"end":21.705,"sentiment":"neutral","sentiment_score":0.24833005294203758},{"text":"That's why I called twice, and I was about to send you a text message as well just in case you were busy, but it's honestly all good.","start":21.705,"end":27.805,"sentiment":"neutral","sentiment_score":0.25585675345999853},{"text":"Albert, I just have you booked in to run through your updated statement of advice.","start":28.439999,"end":31.82,"sentiment":"neutral","sentiment_score":0.11536991347869237},{"text":"Is it okay to run through that with you now?","start":32.36,"end":34.44,"sentiment":"neutral","sentiment_score":0.0748210933059454},{"text":"Is now still okay?","start":34.44,"end":35.579998,"sentiment":"neutral","sentiment_score":0.03945018397644162}],"sentiment":"neutral","sentiment_score":0.1769486832753068,"num_words":61,"start":20.505,"end":35.579998},{"sentences":[{"text":"Legend.","start":37.64,"end":38.12,"sentiment":"neutral","sentiment_score":0.16114060580730438},{"text":"Excellent.","start":38.12,"end":38.62,"sentiment":"neutral","sentiment_score":0.32898932695388794},{"text":"And I normally email the document through through to you.","start":38.76,"end":42.165,"sentiment":"neutral","sentiment_score":0.12613175436854362},{"text":"Are you in a place where you're able to view that email at all?","start":42.165,"end":45.125,"sentiment":"neutral","sentiment_score":0.0557449675564255},{"text":"If you're not, that's okay.","start":45.125,"end":46.425003,"sentiment":"neutral","sentiment_score":-0.02510378248989582}],"sentiment":"neutral","sentiment_score":0.07762445515442279,"num_words":31,"start":37.64,"end":46.425003},{"sentences":[{"text":"No.","start":49.125,"end":49.445,"sentiment":"neutral","sentiment_score":-0.08799196779727936},{"text":"That's okay.","start":49.445,"end":50.265,"sentiment":"neutral","sentiment_score":-0.00955498218536377},{"text":"If you like, what I'll do is I'll send it through to your email there.","start":50.405003,"end":53.205,"sentiment":"neutral","sentiment_score":0.05235836580395699},{"text":"I'll go through the recommendations as easily as possible just to give you an idea of where we're heading.","start":53.205,"end":57.86,"sentiment":"neutral","sentiment_score":0.1010996230730885},{"text":"And then I have sent the documents so you are able to review that prior to taking it and signing it on board.","start":57.86,"end":63.14,"sentiment":"neutral","sentiment_score":0.05847870526106461}],"sentiment":"neutral","sentiment_score":0.06573627690474192,"num_words":60,"start":49.125,"end":63.14},{"sentences":[{"text":"Does that sound okay?","start":63.14,"end":64.28,"sentiment":"neutral","sentiment_score":0.06568374950438738},{"text":"Excellent.","start":66.1,"end":66.6,"sentiment":"positive","sentiment_score":0.39466392993927},{"text":"All good.","start":66.82,"end":67.56,"sentiment":"positive","sentiment_score":0.3496832847595215},{"text":"So with the statement of advice there, when you look at your email, it has your name on the front.","start":67.855,"end":72.354996,"sentiment":"neutral","sentiment_score":0.10718635674566031},{"text":"We date all of our documents for the date of the presentation, the 09/09/2026, and the advice is valid for sixty days.","start":72.495,"end":79.695,"sentiment":"neutral","sentiment_score":0.08310130306265572}],"sentiment":"neutral","sentiment_score":0.10874941428096926,"num_words":49,"start":63.14,"end":79.695},{"sentences":[{"text":"You do have some time to review it prior to deciding to take the recommendations there.","start":79.695,"end":83.68,"sentiment":"neutral","sentiment_score":0.08950578793883324},{"text":"On the front of the document, we do also note my license number.","start":84.3,"end":87.340004,"sentiment":"neutral","sentiment_score":0.06299018229429539},{"text":"So I'm a licensed financial adviser, and my registration number is 1304394, registered with ASIC.","start":87.340004,"end":93.76,"sentiment":"neutral","sentiment_score":0.05388206019997597},{"text":"Okay?","start":93.98,"end":94.48,"sentiment":"neutral","sentiment_score":0.0643940195441246},{"text":"As you are scrolling through, it does note the best interest duties that any advice provided does need to be in accordance with your best interest, making sure we're here to help work towards your goals.","start":96.104996,"end":105.884995,"sentiment":"neutral","sentiment_score":0.12602390400651428}],"sentiment":"neutral","sentiment_score":0.09457346226698086,"num_words":81,"start":79.695,"end":105.884995},{"sentences":[{"text":"And then we've also got your scoping in and out.","start":106.505,"end":108.585,"sentiment":"neutral","sentiment_score":0.04088854696601629},{"text":"So with this advice essentially limited to superannuation for the time being.","start":108.585,"end":113.35,"sentiment":"neutral","sentiment_score":0.027969269081950188},{"text":"So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week.","start":113.35,"end":129.935,"sentiment":"neutral","sentiment_score":0.17574892423369667},{"text":"Does that still sound appropriate?","start":129.935,"end":131.395,"sentiment":"neutral","sentiment_score":0.0864631786942482},{"text":"Would there be any changes there, do you think?","start":131.455,"end":133.55501,"sentiment":"neutral","sentiment_score":0.0050057874371608095}],"sentiment":"neutral","sentiment_score":0.1196491814494788,"num_words":91,"start":106.505,"end":133.55501},{"sentences":[{"text":"Yep.","start":136.095,"end":136.495,"sentiment":"neutral","sentiment_score":0.160260871052742},{"text":"Beautiful.","start":136.495,"end":136.995,"sentiment":"positive","sentiment_score":0.5106446743011475},{"text":"I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected.","start":137.95,"end":151.57,"sentiment":"neutral","sentiment_score":0.20456683483659005},{"text":"A will to distribute any of your assets in the event of your passing, and a power of attorney to make sure that if you are ever in a place of incapacity where you're unable to make your own decisions, that you have someone who can support you, that you've nominated someone who can follow your direction and act on your behalf for you.","start":152.005,"end":168.77,"sentiment":"neutral","sentiment_score":0.17907791817560792},{"text":"Okay?","start":168.77,"end":169.27,"sentiment":"neutral","sentiment_score":0.13013681769371033}],"sentiment":"neutral","sentiment_score":0.19211900028689155,"num_words":116,"start":136.095,"end":169.27},{"sentences":[{"text":"Excellent.","start":171.33,"end":171.83,"sentiment":"positive","sentiment_score":0.5467817187309265},{"text":"With regard to this, we've also scoped out other areas.","start":172.93,"end":176.05,"sentiment":"neutral","sentiment_score":0.21872057467699052},{"text":"So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs.","start":176.05,"end":183.05501,"sentiment":"neutral","sentiment_score":0.19735571245352426},{"text":"That is all being scoped out.","start":183.515,"end":184.875,"sentiment":"neutral","sentiment_score":0.15927388767401376},{"text":"No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently.","start":184.875,"end":191.05501,"sentiment":"neutral","sentiment_score":0.13299595682244553}],"sentiment":"neutral","sentiment_score":0.182551517834266,"num_words":60,"start":171.33,"end":191.05501},{"sentences":[{"text":"Okay?","start":191.355,"end":191.855,"sentiment":"neutral","sentiment_score":0.11287945508956908},{"text":"Perfect.","start":194.18999,"end":194.59,"sentiment":"positive","sentiment_score":0.539530873298645},{"text":"So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there.","start":194.59,"end":206.385,"sentiment":"neutral","sentiment_score":0.2922297418117523},{"text":"I had a look at the way you invested.","start":206.705,"end":208.405,"sentiment":"positive","sentiment_score":0.36876635750134784},{"text":"You're in that balanced growth environment.","start":208.465,"end":210.245,"sentiment":"positive","sentiment_score":0.5286554644505183}],"sentiment":"neutral","sentiment_score":0.32569642983950103,"num_words":65,"start":191.355,"end":210.245},{"sentences":[{"text":"And when we kinda talked about that, you were happy to stay in that environment.","start":210.385,"end":213.92499,"sentiment":"positive","sentiment_score":0.5337368033826351},{"text":"To kinda run it through for you, balanced growth portfolio tend to see about 70% of your super investing growth assets, like Australian shares, international shares, listed property, and commodities, like gold and silver, and then having a small...","start":214.385,"end":229.05,"sentiment":"neutral","sentiment_score":0.11920958795608619},{"text":"About a 30% defensive low risk component of, like, cash bonds and fixed interest debt.","start":229.27,"end":234.55,"sentiment":"neutral","sentiment_score":0.13651246378819148},{"text":"So you had mentioned you were happy to retain that kind of balance growth environment there.","start":234.55,"end":239.185,"sentiment":"positive","sentiment_score":0.6062209345400333},{"text":"So I went back and had a really good look at everything and how it was all structured.","start":239.325,"end":243.185,"sentiment":"positive","sentiment_score":0.35368728306558395}],"sentiment":"neutral","sentiment_score":0.298726397919134,"num_words":103,"start":210.385,"end":243.185},{"sentences":[{"text":"When I looked at your current portfolio and how that was essentially working, looking at the the average five year returns, the portfolio had averaged about 5.06 over the past five years.","start":243.805,"end":255.95001,"sentiment":"neutral","sentiment_score":0.13876915466971695},{"text":"Realistically, I kind of had a look and thought we could definitely do a bit better than that, and looked at maybe altering that portfolio and removing some underperforming investment there for you.","start":256.09,"end":265.295,"sentiment":"neutral","sentiment_score":0.0870039818639105},{"text":"Okay?","start":265.355,"end":265.855,"sentiment":"neutral","sentiment_score":0.04303531348705292},{"text":"So, essentially, with the car...","start":268.715,"end":270.715,"sentiment":"neutral","sentiment_score":0.006477071810513735},{"text":"With what I'm swapping out, the newer portfolio...","start":270.715,"end":273.835,"sentiment":"neutral","sentiment_score":0.002387809567153454}],"sentiment":"neutral","sentiment_score":0.09375022151920048,"num_words":79,"start":243.805,"end":273.835},{"sentences":[{"text":"And I don't know if we would've talked last time I explained that whenever I'm looking at researching investments, we also look and consider the capital gains consequence.","start":273.835,"end":281.71,"sentiment":"neutral","sentiment_score":-0.009982754808983632},{"text":"Because whenever we are buying and selling or altering investments, there are CDT consequences just like you do a tax return every year.","start":281.77,"end":289.545,"sentiment":"neutral","sentiment_score":-0.022265225648880005},{"text":"So does your super fund.","start":289.86502,"end":291.405,"sentiment":"neutral","sentiment_score":-0.006229019165039063},{"text":"So when I kinda went back and had a look at switching these investments out, I've tried to limit that capital gains consequences much as possible.","start":291.545,"end":299.24503,"sentiment":"neutral","sentiment_score":0.010789073932056244},{"text":"So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good.","start":299.30502,"end":309.82,"sentiment":"neutral","sentiment_score":0.26131935303027815}],"sentiment":"neutral","sentiment_score":0.05788941370944182,"num_words":108,"start":273.835,"end":309.82},{"sentences":[{"text":"The newer portfolio that I'm recommending is still keeping you in that balanced growth environment, but it has averaged about a 9.40% to average return over the past five years there.","start":311.24,"end":321.995,"sentiment":"positive","sentiment_score":0.47528882468900374},{"text":"So so long as this portfolio can keep up and obtain that return, as you can imagine, it can put you in front pretty significantly and provide a greater projected outcome for your super for your retirement there as well.","start":321.995,"end":334.72998,"sentiment":"positive","sentiment_score":0.6403314441442489},{"text":"Okay?","start":334.72998,"end":335.22998,"sentiment":"neutral","sentiment_score":0.21751415729522705},{"text":"The other thing I like about this newer portfolio is that it's also cheaper.","start":336.72998,"end":340.50998,"sentiment":"positive","sentiment_score":0.4988109767436981},{"text":"So at the moment in investment fees, you were paying about $950.","start":340.845,"end":345.185,"sentiment":"neutral","sentiment_score":0.15125206237037978}],"sentiment":"positive","sentiment_score":0.5037051419518432,"num_words":98,"start":311.24,"end":345.185},{"sentences":[{"text":"This newer portfolio averages $344 in investment fees.","start":345.325,"end":349.64502,"sentiment":"positive","sentiment_score":0.388303704559803},{"text":"It was actually saving you over $600 in investment fees for the first year.","start":349.64502,"end":354.36502,"sentiment":"positive","sentiment_score":0.6620644139392036},{"text":"So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super.","start":354.36502,"end":362.36,"sentiment":"positive","sentiment_score":0.5090917907655239},{"text":"It's also cheaper, and it has performed much greater over the past five years, which, you know, looking at all those sorts of factors can put you in a much greater position over the next five to ten years, essentially.","start":362.58,"end":373.395,"sentiment":"positive","sentiment_score":0.6789479829370976},{"text":"Excellent.","start":376.97498,"end":377.47498,"sentiment":"positive","sentiment_score":0.5910406708717346}],"sentiment":"positive","sentiment_score":0.6016378666477642,"num_words":87,"start":345.325,"end":377.47498},{"sentences":[{"text":"With what we're gonna do and how this portfolio essentially looks to be structured, it's about replacing some of the investments that have been underperforming.","start":378.335,"end":386.53,"sentiment":"neutral","sentiment_score":0.07761122670024634},{"text":"So the Benelon Australian equities will be removed completely.","start":386.91,"end":389.97,"sentiment":"neutral","sentiment_score":-0.06438009668555525},{"text":"We are also removing the silver component, the battery and lithium tech.","start":390.51,"end":394.93,"sentiment":"neutral","sentiment_score":-0.016387101029977202},{"text":"The global Morningstar tech is gonna be removed as well.","start":395.31,"end":398.85,"sentiment":"neutral","sentiment_score":-0.003863135352730751},{"text":"We're also going to just keep and rebalance the S and P 500.","start":399.13498,"end":403.235,"sentiment":"neutral","sentiment_score":0.05288194349178901}],"sentiment":"neutral","sentiment_score":0.026276065171628758,"num_words":69,"start":378.335,"end":403.235},{"sentences":[{"text":"We're fully removing the Asia iShares investments, the Vanguard diversified index, and also the Vanguard Australian fixed interest index.","start":403.535,"end":412.275,"sentiment":"neutral","sentiment_score":0.017157714617879766},{"text":"Moving those and replacing them with other investments, essentially, once we've had all those sold and removed, we're then going to increase your exposure into physical gold because it has done really well.","start":413.17,"end":424.61002,"sentiment":"neutral","sentiment_score":0.14462462744929575},{"text":"It is a really great growth asset, but also acts defensively as well and has still had, like, some really good growth over the past couple of years there.","start":424.61002,"end":433.435,"sentiment":"positive","sentiment_score":0.4593288364081547},{"text":"So keeping 10% physical gold within your portfolio.","start":433.435,"end":436.815,"sentiment":"neutral","sentiment_score":0.23406894877552986},{"text":"We're also going to increase your exposure into the iShares Europe, which is giving you exposure to all 16 European countries there.","start":437.51498,"end":444.88,"sentiment":"neutral","sentiment_score":0.16042555089701305}],"sentiment":"neutral","sentiment_score":0.21460413738145484,"num_words":111,"start":403.535,"end":444.88},{"sentences":[{"text":"We want 7% invested in that investment.","start":445.26,"end":447.92,"sentiment":"neutral","sentiment_score":0.16579257377556392},{"text":"We also wanna increase cybersecurity, which also gives you some tech exposure as well.","start":448.54,"end":453.555,"sentiment":"neutral","sentiment_score":0.09205426382167},{"text":"So we'll hold five...","start":453.79498,"end":454.995,"sentiment":"neutral","sentiment_score":0.03406538534909487},{"text":"Sorry.","start":454.995,"end":455.315,"sentiment":"neutral","sentiment_score":-0.03685988858342171},{"text":"4% in that investment, and that's giving you exposure to global cybersecurity and tax.","start":455.315,"end":460.535,"sentiment":"neutral","sentiment_score":0.003588347296629633}],"sentiment":"neutral","sentiment_score":0.0649736556224525,"num_words":40,"start":445.26,"end":460.535},{"sentences":[{"text":"Then we've also got the iShares Japan, so 3% in the Japanese market to give you that kind of exposure.","start":461.07498,"end":468.055,"sentiment":"neutral","sentiment_score":0.069572408311069},{"text":"And then because we have removed some other areas, including Asia, we'll be looking at in...","start":468.63,"end":473.05002,"sentiment":"neutral","sentiment_score":0.0218849140801467},{"text":"Incorporating the Vanguard or World ex US investment.","start":473.19,"end":476.33002,"sentiment":"neutral","sentiment_score":0.011275311524514109},{"text":"This is essentially giving you exposure to the entire globe minus The US Of A.","start":477.03003,"end":482.025,"sentiment":"neutral","sentiment_score":0.0864405548820893},{"text":"We don't need to have The US in an investment because we hold the S and P 500 there.","start":482.10498,"end":487.145,"sentiment":"neutral","sentiment_score":0.055338399092617785}],"sentiment":"neutral","sentiment_score":0.053587784483216896,"num_words":78,"start":461.07498,"end":487.145},{"sentences":[{"text":"But one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible.","start":487.145,"end":495.965,"sentiment":"positive","sentiment_score":0.3588239898284276},{"text":"And this investment does that in a low cost way, which should be great.","start":496.39,"end":500.07,"sentiment":"positive","sentiment_score":0.6379437680755343},{"text":"Does that make sense so far?","start":500.07,"end":501.77002,"sentiment":"neutral","sentiment_score":0.24904792507489523},{"text":"Yeah.","start":503.67,"end":504.15002,"sentiment":"positive","sentiment_score":0.4066394567489624},{"text":"Beautiful.","start":504.15002,"end":504.63,"sentiment":"positive","sentiment_score":0.660464882850647}],"sentiment":"positive","sentiment_score":0.4322622932341634,"num_words":49,"start":487.145,"end":504.63},{"sentences":[{"text":"We'll hold 7% of that investment there.","start":504.63,"end":507.29,"sentiment":"positive","sentiment_score":0.3540899178811482},{"text":"And then because we are removing the ban along Australian equities, it has underperformed.","start":507.51,"end":511.545,"sentiment":"neutral","sentiment_score":0.2446860218686717},{"text":"So we're gonna replace that so we still have some Australian exposure.","start":511.76498,"end":515.305,"sentiment":"neutral","sentiment_score":0.1947233701745669},{"text":"With the BetaShares a 200, this investment is really good.","start":515.605,"end":519.685,"sentiment":"positive","sentiment_score":0.678817743062973},{"text":"It's actually giving you more diversification, which helps to lower market risk and also provides you with the top two...","start":519.685,"end":526.59,"sentiment":"positive","sentiment_score":0.5411101758480072}],"sentiment":"positive","sentiment_score":0.4103380177938749,"num_words":63,"start":504.63,"end":526.59},{"sentences":[{"text":"Exposures to the top 200 companies on the ASX, which is fantastic.","start":526.73004,"end":530.35004,"sentiment":"positive","sentiment_score":0.5867376749714216},{"text":"And then we still wanna keep some low risk defensive investments.","start":531.29004,"end":534.43,"sentiment":"neutral","sentiment_score":0.27537504651329736},{"text":"So we're having core composite bonds in there.","start":534.49,"end":536.865,"sentiment":"neutral","sentiment_score":0.2443632334470749},{"text":"That's giving you access and exposure to government and corporate bonds as well as some international exposure to other defensive bank notes and things like that as well.","start":536.945,"end":546.065,"sentiment":"neutral","sentiment_score":0.2632414123841694},{"text":"So all of those investments together encompass a newer portfolio.","start":546.065,"end":549.845,"sentiment":"neutral","sentiment_score":0.29743438214063644}],"sentiment":"neutral","sentiment_score":0.32420270792815997,"num_words":69,"start":526.73004,"end":549.845},{"sentences":[{"text":"And, essentially, by buying some, selling others, and rebalancing, at the end of the day, you'll have a more diversified portfolio that's cheaper, has performed better, and we'll sort of track that forward and keep updated and keep reviewing that to sort of see how that works.","start":550.43,"end":567.225,"sentiment":"neutral","sentiment_score":0.31641002696879367},{"text":"I know it is a lot when you're not really looking at the document, but are there any questions that might have come out of that currently at all for you, Albert?","start":567.225,"end":574.045,"sentiment":"neutral","sentiment_score":0.010890625679166988},{"text":"Excellent.","start":578.27997,"end":578.77997,"sentiment":"positive","sentiment_score":0.46846631169319153},{"text":"All good.","start":578.83997,"end":579.39996,"sentiment":"positive","sentiment_score":0.37995193898677826},{"text":"So when you are looking at the document there, if you look down at page number 19, that's gonna have that there for you.","start":579.39996,"end":585.24,"sentiment":"neutral","sentiment_score":0.07032254136477907}],"sentiment":"neutral","sentiment_score":0.171093230864982,"num_words":106,"start":550.43,"end":585.24},{"sentences":[{"text":"You'll see all the red and green on the documents.","start":585.24,"end":587.48,"sentiment":"neutral","sentiment_score":0.046388144977390765},{"text":"The red's the ones that we're selling.","start":587.48,"end":588.92,"sentiment":"neutral","sentiment_score":0.026356812433472702},{"text":"The green is where we're gonna be purchasing those investments, and you'll be able to see where we sort of have that...","start":588.92,"end":594.375,"sentiment":"neutral","sentiment_score":0.05651628598570824},{"text":"Where that transition is and what you'll sort of have once that switch has been completed, which is really great.","start":594.995,"end":600.295,"sentiment":"positive","sentiment_score":0.41353708058595656},{"text":"Okay?","start":600.435,"end":600.935,"sentiment":"neutral","sentiment_score":0.3098946213722229}],"sentiment":"neutral","sentiment_score":0.1745395610264192,"num_words":60,"start":585.24,"end":600.935},{"sentences":[{"text":"Excellent.","start":604.02997,"end":604.52997,"sentiment":"positive","sentiment_score":0.5066994428634644},{"text":"Essentially, I also have got in here...","start":604.75,"end":606.43,"sentiment":"neutral","sentiment_score":0.08852647511022431},{"text":"This is a sort of an out...","start":606.43,"end":607.67,"sentiment":"neutral","sentiment_score":0.003779361955821514},{"text":"A bit of a projection to sort of look at the next eight years there for when you do get to that retirement side of things.","start":607.67,"end":613.55,"sentiment":"neutral","sentiment_score":0.017098056331563454},{"text":"So we've limited scope that in, essentially.","start":613.55,"end":615.71,"sentiment":"neutral","sentiment_score":-0.013794015294739179}],"sentiment":"neutral","sentiment_score":0.03126732624756793,"num_words":48,"start":604.02997,"end":615.71},{"sentences":[{"text":"We're not making a recommendation on the drawdown at this point in time.","start":615.71,"end":619.57,"sentiment":"neutral","sentiment_score":-0.051299589614455514},{"text":"However, I do like to incorporate it on a limited basis just to sort of show you where you are projecting.","start":620.065,"end":624.96497,"sentiment":"neutral","sentiment_score":0.0725660277087064},{"text":"So from the age of 70, given your current circumstances with eligibility of Centrelink and then also drawing some funds out of super to to kind of pull your income together.","start":625.185,"end":636.48004,"sentiment":"neutral","sentiment_score":0.06421957363284403},{"text":"We have sort of looked at the projected outcome noting that the estimated income...","start":636.78,"end":641.68,"sentiment":"neutral","sentiment_score":0.025911530080650533},{"text":"Realistically, you're looking to try and get about 41,600 per year.","start":642.06,"end":646.88,"sentiment":"neutral","sentiment_score":0.03337908087467605}],"sentiment":"neutral","sentiment_score":0.0397525556695958,"num_words":90,"start":615.71,"end":646.88},{"sentences":[{"text":"You're able to draw a little bit over that incorporation.","start":647.505,"end":650.16504,"sentiment":"neutral","sentiment_score":0.09942772462964058},{"text":"So it does show this is working towards your goal between your super and Centrelink.","start":650.54504,"end":654.885,"sentiment":"neutral","sentiment_score":0.2170176734526952},{"text":"It is projected that you'll be able to, you know, have the income requirement that you're after, but this will definitely be looked at in a lot more detail as you get closer to actually taking funds out of sleep and actually retiring there.","start":655.42505,"end":668.54,"sentiment":"neutral","sentiment_score":0.06794720905070956},{"text":"And one of the things that I will look at with you is when you get to retirement, what your income actually is that you wanna draw, how we draw that, And I can also in-depth look at Centrelink down the track for you as well to assess your eligibility side of things and give you a much more in-depth look at the drawdown and how that looks down the track.","start":668.6,"end":687.295,"sentiment":"neutral","sentiment_score":0.0558050701683256},{"text":"How does that sound?","start":687.295,"end":688.355,"sentiment":"neutral","sentiment_score":0.10507269948720932}],"sentiment":"neutral","sentiment_score":0.08070604393206951,"num_words":144,"start":647.505,"end":688.355},{"sentences":[{"text":"Excellent.","start":691.59,"end":692.09,"sentiment":"positive","sentiment_score":0.4225880801677704},{"text":"The other thing we did talk about last time was looking at that transition retirement sort of strategy.","start":692.55,"end":697.11,"sentiment":"neutral","sentiment_score":-0.16259133732981151},{"text":"We did look at that.","start":697.11,"end":698.57,"sentiment":"neutral","sentiment_score":-0.1906041383743286},{"text":"However, it didn't actually put you in a better position.","start":699.19,"end":701.83,"sentiment":"negative","sentiment_score":-0.4819127142429352},{"text":"It actually put you in a worse position over the next eight years.","start":701.83,"end":704.78503,"sentiment":"negative","sentiment_score":-0.5209323775309783}],"sentiment":"neutral","sentiment_score":-0.32017712199941595,"num_words":47,"start":691.59,"end":704.78503},{"sentences":[{"text":"So we decided not to go ahead with that and just to the investments which can keep you solely in the accumulation phase.","start":704.78503,"end":711.685,"sentiment":"neutral","sentiment_score":-0.12141996184768884},{"text":"I do have that research in the appendices if you do wanna go back and have a look at that, but this worked out to put you in a much better place and keep your super working a bit harder for you.","start":712.465,"end":722.79,"sentiment":"neutral","sentiment_score":0.31791497252526735},{"text":"Does that make sense?","start":722.79,"end":724.00995,"sentiment":"neutral","sentiment_score":0.08036493137478828},{"text":"Yeah.","start":726.14996,"end":726.62994,"sentiment":"neutral","sentiment_score":0.28470391035079956},{"text":"Beautiful.","start":726.62994,"end":727.12994,"sentiment":"positive","sentiment_score":0.5733759999275208}],"sentiment":"neutral","sentiment_score":0.1653423853428431,"num_words":71,"start":704.78503,"end":727.12994},{"sentences":[{"text":"Beautiful.","start":727.26996,"end":727.76996,"sentiment":"positive","sentiment_score":0.5823287963867188},{"text":"So what I'll do is I've got the document in your email there.","start":727.91,"end":730.79,"sentiment":"neutral","sentiment_score":0.2826532996617831},{"text":"I will let you go back so you can have a really good look through it.","start":730.79,"end":733.845,"sentiment":"positive","sentiment_score":0.35343014262616634},{"text":"Please do let me know if you do happen to have any questions there.","start":734.165,"end":737.125,"sentiment":"neutral","sentiment_score":0.16183508719716752},{"text":"I know it can be a lot me running through those things without you actually seeing it, so I do apologize.","start":737.125,"end":741.94495,"sentiment":"neutral","sentiment_score":-0.02332411032347452}],"sentiment":"neutral","sentiment_score":0.1798090596611683,"num_words":65,"start":727.26996,"end":741.94495},{"sentences":[{"text":"But I'll give you some time to read it over, and then you're welcome to come back and let me know if you do happen to have any all.","start":742.64496,"end":750.07996,"sentiment":"neutral","sentiment_score":0.1806596992858525},{"text":"Okay?","start":750.07996,"end":750.57996,"sentiment":"neutral","sentiment_score":0.14024363458156586},{"text":"Easy.","start":753.04,"end":753.54,"sentiment":"neutral","sentiment_score":0.22064051032066345},{"text":"Moving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you.","start":753.68,"end":760.82,"sentiment":"neutral","sentiment_score":0.1232572952285409},{"text":"Would you be comfortable with maybe a three or months catch up?","start":761.27997,"end":764.175,"sentiment":"neutral","sentiment_score":0.03803346958011389}],"sentiment":"neutral","sentiment_score":0.13334200675288835,"num_words":75,"start":742.64496,"end":764.175},{"sentences":[{"text":"What would you like to see, Alvin?","start":764.175,"end":765.79504,"sentiment":"neutral","sentiment_score":0.020899226223783835},{"text":"About six months?","start":768.41504,"end":769.635,"sentiment":"neutral","sentiment_score":0.014753136783838272},{"text":"Yeah.","start":771.215,"end":771.615,"sentiment":"neutral","sentiment_score":0.2158607840538025},{"text":"Beautiful.","start":771.615,"end":772.09503,"sentiment":"positive","sentiment_score":0.5290817022323608},{"text":"I'll pop that in my calendar.","start":772.09503,"end":773.375,"sentiment":"positive","sentiment_score":0.4097706178824107}],"sentiment":"neutral","sentiment_score":0.18856223263881272,"num_words":18,"start":764.175,"end":773.375},{"sentences":[{"text":"My team will make sure they touch base in six months as well just to do a bit of a catch up with you.","start":773.375,"end":777.87,"sentiment":"positive","sentiment_score":0.36613305285573006},{"text":"Other than that, everything is all on track and working really well.","start":778.67,"end":782.51,"sentiment":"positive","sentiment_score":0.5957487747073174},{"text":"I'll let you review the documents there.","start":782.51,"end":784.02997,"sentiment":"neutral","sentiment_score":0.27997011584895},{"text":"And, again, just let me know if there's any questions that do happen to come out of it.","start":784.02997,"end":787.73,"sentiment":"neutral","sentiment_score":0.2261650330490536},{"text":"And, oh, there is no implementation fees.","start":788.11,"end":790.27,"sentiment":"neutral","sentiment_score":0.13581006335360662}],"sentiment":"positive","sentiment_score":0.3370236825636205,"num_words":68,"start":773.375,"end":790.27},{"sentences":[{"text":"The advice is all part of our services, and you paying the ongoing service fee of 1.10%.","start":790.27,"end":795.815,"sentiment":"neutral","sentiment_score":0.17818118193570306},{"text":"Okay?","start":796.035,"end":796.535,"sentiment":"neutral","sentiment_score":0.1123502552509308},{"text":"Easy.","start":799.15497,"end":799.65497,"sentiment":"positive","sentiment_score":0.398794561624527},{"text":"All good.","start":800.115,"end":800.595,"sentiment":"positive","sentiment_score":0.4514167457818985},{"text":"Well, I will let you go.","start":800.595,"end":802.27496,"sentiment":"positive","sentiment_score":0.4252534508705139}],"sentiment":"neutral","sentiment_score":0.25905848542849225,"num_words":27,"start":790.27,"end":802.27496},{"sentences":[{"text":"I hope you have a lovely afternoon.","start":802.27496,"end":804.21497,"sentiment":"positive","sentiment_score":0.6136426414762225},{"text":"And, again, just let me know if there's anything you need or any questions that you do have.","start":804.435,"end":808.02997,"sentiment":"positive","sentiment_score":0.3874061819579866},{"text":"But I really appreciate your time and you calling back.","start":808.02997,"end":810.99,"sentiment":"positive","sentiment_score":0.5962402164936066},{"text":"Thank you so much for that.","start":810.99,"end":812.44995,"sentiment":"positive","sentiment_score":0.857405811548233},{"text":"Thanks, Albert.","start":814.75,"end":815.47,"sentiment":"positive","sentiment_score":0.7994724810123444}],"sentiment":"positive","sentiment_score":0.5575486456238946,"num_words":43,"start":802.27496,"end":815.47},{"sentences":[{"text":"I'll talk to you soon.","start":815.47,"end":816.26996,"sentiment":"positive","sentiment_score":0.6910443663597107},{"text":"You have a good afternoon and a great weekend 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Thank you. And yourself? I just said I was in the newbie pocket driving down the road. I was like, hang on. That phone rings. Yes. All the problems. No. Not at the moment. No. Yeah. That's fine. Yep. No. It's a bad road at the moment. Yep. Yep. Yep. Yep. Yep. It does. No. No. At the moment, no. It's pretty good actually. Yeah. Not a problem. That's good. Yeah. That's that's that's. Yep. Yeah. Yep. Yep. Not a problem. No problem. Thank you for that. No worries. You too. Yeah. 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This is Dana from OQ Financial. How are you today?\n\nChannel 1: Good. Thank you. And yourself?\n\nChannel 0: I'm very well. Thank you. Thanks so much for returning my call. I'm so sorry I missed you before. How's you...\n\nHow's everything?\n\nChannel 1: I just said I was in the newbie pocket driving down the road. I was like, hang on. That phone rings.\n\nChannel 0: No. That's honestly all good. That's why I called twice, and I was about to send you a text message as well just in case you were busy, but it's honestly all good. Albert, I just have you booked in to run through your updated statement of advice. Is it okay to run through that with you now?\n\nIs now still okay?\n\nChannel 1: Yes. All the problems.\n\nChannel 0: Legend. Excellent. And I normally email the document through through to you. Are you in a place where you're able to view that email at all? If you're not, that's okay.\n\nChannel 1: No. Not at the moment. No.\n\nChannel 0: No. That's okay. If you like, what I'll do is I'll send it through to your email there. I'll go through the recommendations as easily as possible just to give you an idea of where we're heading. And then I have sent the documents so you are able to review that prior to taking it and signing it on board.\n\nDoes that sound okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Excellent. All good. So with the statement of advice there, when you look at your email, it has your name on the front. We date all of our documents for the date of the presentation, the 09/09/2026, and the advice is valid for sixty days. You do have some time to review it prior to deciding to take the recommendations there.\n\nOn the front of the document, we do also note my license number. So I'm a licensed financial adviser, and my registration number is 1304394, registered with ASIC. Okay?\n\nChannel 1: Yep.\n\nChannel 0: As you are scrolling through, it does note the best interest duties that any advice provided does need to be in accordance with your best interest, making sure we're here to help work towards your goals. And then we've also got your scoping in and out. So with this advice essentially limited to superannuation for the time being. So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week. Does that still sound appropriate?\n\nWould there be any changes there, do you think?\n\nChannel 1: No. It's a bad road at the moment.\n\nChannel 0: Yep. Beautiful. I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected. A will to distribute any of your assets in the event of your passing, and a power of attorney to make sure that if you are ever in a place of incapacity where you're unable to make your own decisions, that you have someone who can support you, that you've nominated someone who can follow your direction and act on your behalf for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. With regard to this, we've also scoped out other areas. So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs. That is all being scoped out. No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there. I had a look at the way you invested. You're in that balanced growth environment. And when we kinda talked about that, you were happy to stay in that environment.\n\nTo kinda run it through for you, balanced growth portfolio tend to see about 70% of your super investing growth assets, like Australian shares, international shares, listed property, and commodities, like gold and silver, and then having a small... About a 30% defensive low risk component of, like, cash bonds and fixed interest debt. So you had mentioned you were happy to retain that kind of balance growth environment there. So I went back and had a really good look at everything and how it was all structured. When I looked at your current portfolio and how that was essentially working, looking at the the average five year returns, the portfolio had averaged about 5.06 over the past five years.\n\nRealistically, I kind of had a look and thought we could definitely do a bit better than that, and looked at maybe altering that portfolio and removing some underperforming investment there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, with the car... With what I'm swapping out, the newer portfolio... And I don't know if we would've talked last time I explained that whenever I'm looking at researching investments, we also look and consider the capital gains consequence. Because whenever we are buying and selling or altering investments, there are CDT consequences just like you do a tax return every year. So does your super fund.\n\nSo when I kinda went back and had a look at switching these investments out, I've tried to limit that capital gains consequences much as possible. So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good. The newer portfolio that I'm recommending is still keeping you in that balanced growth environment, but it has averaged about a 9.40% to average return over the past five years there. So so long as this portfolio can keep up and obtain that return, as you can imagine, it can put you in front pretty significantly and provide a greater projected outcome for your super for your retirement there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The other thing I like about this newer portfolio is that it's also cheaper. So at the moment in investment fees, you were paying about $950. This newer portfolio averages $344 in investment fees. It was actually saving you over $600 in investment fees for the first year. So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super.\n\nIt's also cheaper, and it has performed much greater over the past five years, which, you know, looking at all those sorts of factors can put you in a much greater position over the next five to ten years, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. With what we're gonna do and how this portfolio essentially looks to be structured, it's about replacing some of the investments that have been underperforming. So the Benelon Australian equities will be removed completely. We are also removing the silver component, the battery and lithium tech. The global Morningstar tech is gonna be removed as well.\n\nWe're also going to just keep and rebalance the S and P 500. We're fully removing the Asia iShares investments, the Vanguard diversified index, and also the Vanguard Australian fixed interest index. Moving those and replacing them with other investments, essentially, once we've had all those sold and removed, we're then going to increase your exposure into physical gold because it has done really well. It is a really great growth asset, but also acts defensively as well and has still had, like, some really good growth over the past couple of years there. So keeping 10% physical gold within your portfolio.\n\nWe're also going to increase your exposure into the iShares Europe, which is giving you exposure to all 16 European countries there. We want 7% invested in that investment. We also wanna increase cybersecurity, which also gives you some tech exposure as well. So we'll hold five... Sorry.\n\n4% in that investment, and that's giving you exposure to global cybersecurity and tax. Then we've also got the iShares Japan, so 3% in the Japanese market to give you that kind of exposure. And then because we have removed some other areas, including Asia, we'll be looking at in... Incorporating the Vanguard or World ex US investment. This is essentially giving you exposure to the entire globe minus The US Of A.\n\nWe don't need to have The US in an investment because we hold the S and P 500 there. But one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible. And this investment does that in a low cost way, which should be great. Does that make sense so far?\n\nChannel 1: It does.\n\nChannel 0: Yeah. Beautiful. We'll hold 7% of that investment there. And then because we are removing the ban along Australian equities, it has underperformed. So we're gonna replace that so we still have some Australian exposure.\n\nWith the BetaShares a 200, this investment is really good. It's actually giving you more diversification, which helps to lower market risk and also provides you with the top two... Exposures to the top 200 companies on the ASX, which is fantastic. And then we still wanna keep some low risk defensive investments. So we're having core composite bonds in there.\n\nThat's giving you access and exposure to government and corporate bonds as well as some international exposure to other defensive bank notes and things like that as well. So all of those investments together encompass a newer portfolio. And, essentially, by buying some, selling others, and rebalancing, at the end of the day, you'll have a more diversified portfolio that's cheaper, has performed better, and we'll sort of track that forward and keep updated and keep reviewing that to sort of see how that works. I know it is a lot when you're not really looking at the document, but are there any questions that might have come out of that currently at all for you, Albert?\n\nChannel 1: No. No. At the moment, no. It's pretty good actually.\n\nChannel 0: Excellent. All good. So when you are looking at the document there, if you look down at page number 19, that's gonna have that there for you. You'll see all the red and green on the documents. The red's the ones that we're selling.\n\nThe green is where we're gonna be purchasing those investments, and you'll be able to see where we sort of have that... Where that transition is and what you'll sort of have once that switch has been completed, which is really great. Okay?\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Excellent. Essentially, I also have got in here... This is a sort of an out... A bit of a projection to sort of look at the next eight years there for when you do get to that retirement side of things. So we've limited scope that in, essentially.\n\nWe're not making a recommendation on the drawdown at this point in time. However, I do like to incorporate it on a limited basis just to sort of show you where you are projecting. So from the age of 70, given your current circumstances with eligibility of Centrelink and then also drawing some funds out of super to to kind of pull your income together. We have sort of looked at the projected outcome noting that the estimated income... Realistically, you're looking to try and get about 41,600 per year.\n\nYou're able to draw a little bit over that incorporation. So it does show this is working towards your goal between your super and Centrelink. It is projected that you'll be able to, you know, have the income requirement that you're after, but this will definitely be looked at in a lot more detail as you get closer to actually taking funds out of sleep and actually retiring there. And one of the things that I will look at with you is when you get to retirement, what your income actually is that you wanna draw, how we draw that, And I can also in-depth look at Centrelink down the track for you as well to assess your eligibility side of things and give you a much more in-depth look at the drawdown and how that looks down the track. How does that sound?\n\nChannel 1: That's good.\n\nChannel 0: Excellent. The other thing we did talk about last time was looking at that transition retirement sort of strategy. We did look at that. However, it didn't actually put you in a better position. It actually put you in a worse position over the next eight years.\n\nSo we decided not to go ahead with that and just to the investments which can keep you solely in the accumulation phase. I do have that research in the appendices if you do wanna go back and have a look at that, but this worked out to put you in a much better place and keep your super working a bit harder for you. Does that make sense?\n\nChannel 1: Yeah. That's that's that's.\n\nChannel 0: Yeah. Beautiful. Beautiful. So what I'll do is I've got the document in your email there. I will let you go back so you can have a really good look through it.\n\nPlease\n\nChannel 1: Yep.\n\nChannel 0: do let me know if you do happen to have any questions there. I know it can be a lot me running through those things without you actually seeing it, so I do apologize. But I'll give you some time to read it over, and then you're welcome to come back and let me know if you do happen to have any all. Okay? Easy.\n\nMoving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you. Would you be comfortable with maybe a three or months catch up? What would you like to see, Alvin? About six months?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. I'll pop that in my calendar. My team will make sure they touch base in six months as well just to do a bit of a catch up with you. Other than that, everything is all on track and working really well.\n\nI'll let you review the documents there. And, again, just let me know if there's any questions that do happen to come out of it. And,\n\nChannel 1: Yep.\n\nChannel 0: oh, there is no implementation fees. The advice is all part of our services, and you paying the ongoing service fee of 1.10%. Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Easy. All good. Well, I will let you go. I hope you have a lovely afternoon. And, again, just let me know if there's anything you need or any questions that you do have.\n\nBut I really appreciate your time and you calling back. Thank you so much for that.\n\nChannel 1: No problem. Thank you for that.\n\nChannel 0: Thanks, Albert. I'll talk to you soon. You have a good afternoon and a great weekend ahead.\n\nChannel 1: No worries. You too.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Albert.","start":2.08,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.13037337362766266},{"text":"This is Dana from OQ Financial.","start":2.6399999,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.17021985600392023},{"text":"How are you today?","start":4.3199997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.19961640983819962}],"sentiment":"neutral","sentiment_score":0.17337762688597044,"channel":0,"num_words":12,"start":2.08,"end":5.2999997},{"sentences":[{"text":"Good.","start":5.7599998,"end":5.92,"sentiment":"positive","sentiment_score":0.4698328971862793},{"text":"Thank you.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5387512445449829},{"text":"And yourself?","start":6.3199997,"end":6.98,"sentiment":"neutral","sentiment_score":0.32319341599941254}],"sentiment":"positive","sentiment_score":0.438744443655014,"channel":1,"num_words":5,"start":5.7599998,"end":6.98},{"sentences":[{"text":"I'm very well.","start":7.2799997,"end":8.32,"sentiment":"positive","sentiment_score":0.5244109829266866},{"text":"Thank you.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.636875718832016},{"text":"Thanks so much for returning my call.","start":8.639999,"end":10.66,"sentiment":"positive","sentiment_score":0.5858714665685382},{"text":"I'm so sorry I missed you before.","start":10.8,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.019175581634044647},{"text":"How's you...","start":12.639999,"end":13.44,"sentiment":"neutral","sentiment_score":0.033799879252910614}],"sentiment":"neutral","sentiment_score":0.3276883494995889,"channel":0,"num_words":21,"start":7.2799997,"end":13.44},{"sentences":[{"text":"How's everything?","start":13.44,"end":14.179999,"sentiment":"neutral","sentiment_score":0.03320235759019852}],"sentiment":"neutral","sentiment_score":0.03320235759019852,"channel":0,"num_words":2,"start":13.44,"end":14.179999},{"sentences":[{"text":"I just said I was in the newbie pocket driving down the road.","start":13.92,"end":16.645,"sentiment":"neutral","sentiment_score":0.00069393296367847},{"text":"I was like, hang on.","start":16.645,"end":17.285,"sentiment":"neutral","sentiment_score":-0.03773817420005798},{"text":"That phone rings.","start":17.285,"end":18.345001,"sentiment":"neutral","sentiment_score":-0.026282363881667454}],"sentiment":"neutral","sentiment_score":-0.012310325434165341,"channel":1,"num_words":21,"start":13.92,"end":18.345001},{"sentences":[{"text":"No.","start":20.265,"end":20.505,"sentiment":"neutral","sentiment_score":0.039440590888261795},{"text":"That's honestly all good.","start":20.505,"end":21.705,"sentiment":"neutral","sentiment_score":0.24833005294203758},{"text":"That's why I called twice, and I was about to send you a text message as well just in case you were busy, but it's honestly all good.","start":21.705,"end":27.805,"sentiment":"neutral","sentiment_score":0.25585675345999853},{"text":"Albert, I just have you booked in to run through your updated statement of advice.","start":28.439999,"end":31.82,"sentiment":"neutral","sentiment_score":0.11536991347869237},{"text":"Is it okay to run through that with you now?","start":32.36,"end":34.44,"sentiment":"neutral","sentiment_score":0.0748210933059454}],"sentiment":"neutral","sentiment_score":0.1840605092202795,"channel":0,"num_words":58,"start":20.265,"end":34.44},{"sentences":[{"text":"Is now still okay?","start":34.44,"end":35.579998,"sentiment":"neutral","sentiment_score":0.03945018397644162}],"sentiment":"neutral","sentiment_score":0.03945018397644162,"channel":0,"num_words":4,"start":34.44,"end":35.579998},{"sentences":[{"text":"Yes.","start":35.989998,"end":36.309998,"sentiment":"neutral","sentiment_score":0.03899943083524704},{"text":"All the problems.","start":36.309998,"end":37.129997,"sentiment":"neutral","sentiment_score":-0.0035687641551097236}],"sentiment":"neutral","sentiment_score":0.007073284592479467,"channel":1,"num_words":4,"start":35.989998,"end":37.129997},{"sentences":[{"text":"Legend.","start":37.64,"end":38.12,"sentiment":"neutral","sentiment_score":0.16114060580730438},{"text":"Excellent.","start":38.12,"end":38.62,"sentiment":"neutral","sentiment_score":0.32898932695388794},{"text":"And I normally email the document through through to you.","start":38.76,"end":42.165,"sentiment":"neutral","sentiment_score":0.12613175436854362},{"text":"Are you in a place where you're able to view that email at all?","start":42.165,"end":45.125,"sentiment":"neutral","sentiment_score":0.0557449675564255},{"text":"If you're not, that's okay.","start":45.125,"end":46.425003,"sentiment":"neutral","sentiment_score":-0.02510378248989582}],"sentiment":"neutral","sentiment_score":0.07762445515442279,"channel":0,"num_words":31,"start":37.64,"end":46.425003},{"sentences":[{"text":"No.","start":47.065,"end":47.465,"sentiment":"neutral","sentiment_score":-0.10592527687549592},{"text":"Not at the moment.","start":47.465,"end":48.265,"sentiment":"neutral","sentiment_score":-0.13859391398727894},{"text":"No.","start":48.265,"end":48.765,"sentiment":"neutral","sentiment_score":-0.11722727864980698}],"sentiment":"neutral","sentiment_score":-0.12958803524573645,"channel":1,"num_words":6,"start":47.065,"end":48.765},{"sentences":[{"text":"No.","start":49.125,"end":49.445,"sentiment":"neutral","sentiment_score":-0.08799196779727936},{"text":"That's okay.","start":49.445,"end":50.265,"sentiment":"neutral","sentiment_score":-0.00955498218536377},{"text":"If you like, what I'll do is I'll send it through to your email there.","start":50.405003,"end":53.205,"sentiment":"neutral","sentiment_score":0.05235836580395699},{"text":"I'll go through the recommendations as easily as possible just to give you an idea of where we're heading.","start":53.205,"end":57.86,"sentiment":"neutral","sentiment_score":0.1010996230730885},{"text":"And then I have sent the documents so you are able to review that prior to taking it and signing it on board.","start":57.86,"end":63.14,"sentiment":"neutral","sentiment_score":0.05847870526106461}],"sentiment":"neutral","sentiment_score":0.06573627690474192,"channel":0,"num_words":60,"start":49.125,"end":63.14},{"sentences":[{"text":"Does that sound okay?","start":63.14,"end":64.28,"sentiment":"neutral","sentiment_score":0.06568374950438738}],"sentiment":"neutral","sentiment_score":0.06568374950438738,"channel":0,"num_words":4,"start":63.14,"end":64.28},{"sentences":[{"text":"Yeah.","start":64.54,"end":64.78,"sentiment":"neutral","sentiment_score":0.08811671286821365},{"text":"That's fine.","start":64.78,"end":65.6,"sentiment":"neutral","sentiment_score":0.16283521801233292}],"sentiment":"neutral","sentiment_score":0.13792904963095984,"channel":1,"num_words":3,"start":64.54,"end":65.6},{"sentences":[{"text":"Excellent.","start":66.1,"end":66.6,"sentiment":"positive","sentiment_score":0.39466392993927},{"text":"All good.","start":66.82,"end":67.56,"sentiment":"positive","sentiment_score":0.3496832847595215},{"text":"So with the statement of advice there, when you look at your email, it has your name on the front.","start":67.855,"end":72.354996,"sentiment":"neutral","sentiment_score":0.10718635674566031},{"text":"We date all of our documents for the date of the presentation, the 09/09/2026, and the advice is valid for sixty days.","start":72.495,"end":79.695,"sentiment":"neutral","sentiment_score":0.08310130306265572},{"text":"You do have some time to review it prior to deciding to take the recommendations there.","start":79.695,"end":83.68,"sentiment":"neutral","sentiment_score":0.08950578793883324}],"sentiment":"neutral","sentiment_score":0.1065258837503488,"channel":0,"num_words":61,"start":66.1,"end":83.68},{"sentences":[{"text":"On the front of the document, we do also note my license number.","start":84.3,"end":87.340004,"sentiment":"neutral","sentiment_score":0.06299018229429539},{"text":"So I'm a licensed financial adviser, and my registration number is 1304394, registered with ASIC.","start":87.340004,"end":93.76,"sentiment":"neutral","sentiment_score":0.05388206019997597},{"text":"Okay?","start":93.98,"end":94.48,"sentiment":"neutral","sentiment_score":0.0643940195441246}],"sentiment":"neutral","sentiment_score":0.058327492840331174,"channel":0,"num_words":29,"start":84.3,"end":94.48},{"sentences":[{"text":"Yep.","start":95.28001,"end":95.78001,"sentiment":"neutral","sentiment_score":0.08804550021886826}],"sentiment":"neutral","sentiment_score":0.08804550021886826,"channel":1,"num_words":1,"start":95.28001,"end":95.78001},{"sentences":[{"text":"As you are scrolling through, it does note the best interest duties that any advice provided does need to be in accordance with your best interest, making sure we're here to help work towards your goals.","start":96.104996,"end":105.884995,"sentiment":"neutral","sentiment_score":0.12602390400651428},{"text":"And then we've also got your scoping in and out.","start":106.505,"end":108.585,"sentiment":"neutral","sentiment_score":0.04088854696601629},{"text":"So with this advice essentially limited to superannuation for the time being.","start":108.585,"end":113.35,"sentiment":"neutral","sentiment_score":0.027969269081950188},{"text":"So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week.","start":113.35,"end":129.935,"sentiment":"neutral","sentiment_score":0.17574892423369667},{"text":"Does that still sound appropriate?","start":129.935,"end":131.395,"sentiment":"neutral","sentiment_score":0.0864631786942482}],"sentiment":"neutral","sentiment_score":0.1303379997390054,"channel":0,"num_words":118,"start":96.104996,"end":131.395},{"sentences":[{"text":"Would there be any changes there, do you think?","start":131.455,"end":133.55501,"sentiment":"neutral","sentiment_score":0.0050057874371608095}],"sentiment":"neutral","sentiment_score":0.0050057874371608095,"channel":0,"num_words":9,"start":131.455,"end":133.55501},{"sentences":[{"text":"No.","start":134.005,"end":134.245,"sentiment":"negative","sentiment_score":-0.4654808044433594},{"text":"It's a bad road at the moment.","start":134.245,"end":135.625,"sentiment":"negative","sentiment_score":-0.6172273414475578}],"sentiment":"negative","sentiment_score":-0.5982590243220329,"channel":1,"num_words":8,"start":134.005,"end":135.625},{"sentences":[{"text":"Yep.","start":136.095,"end":136.495,"sentiment":"neutral","sentiment_score":0.160260871052742},{"text":"Beautiful.","start":136.495,"end":136.995,"sentiment":"positive","sentiment_score":0.5106446743011475},{"text":"I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected.","start":137.95,"end":151.57,"sentiment":"neutral","sentiment_score":0.20456683483659005},{"text":"A will to distribute any of your assets in the event of your passing, and a power of attorney to make sure that if you are ever in a place of incapacity where you're unable to make your own decisions, that you have someone who can support you, that you've nominated someone who can follow your direction and act on your behalf for you.","start":152.005,"end":168.77,"sentiment":"neutral","sentiment_score":0.17907791817560792},{"text":"Okay?","start":168.77,"end":169.27,"sentiment":"neutral","sentiment_score":0.13013681769371033}],"sentiment":"neutral","sentiment_score":0.19211900028689155,"channel":0,"num_words":116,"start":136.095,"end":169.27},{"sentences":[{"text":"Yep.","start":170.14,"end":170.64,"sentiment":"neutral","sentiment_score":0.2501589059829712}],"sentiment":"neutral","sentiment_score":0.2501589059829712,"channel":1,"num_words":1,"start":170.14,"end":170.64},{"sentences":[{"text":"Excellent.","start":171.33,"end":171.83,"sentiment":"positive","sentiment_score":0.5467817187309265},{"text":"With regard to this, we've also scoped out other areas.","start":172.93,"end":176.05,"sentiment":"neutral","sentiment_score":0.21872057467699052},{"text":"So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs.","start":176.05,"end":183.05501,"sentiment":"neutral","sentiment_score":0.19735571245352426},{"text":"That is all being scoped out.","start":183.515,"end":184.875,"sentiment":"neutral","sentiment_score":0.15927388767401376},{"text":"No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently.","start":184.875,"end":191.05501,"sentiment":"neutral","sentiment_score":0.13299595682244553}],"sentiment":"neutral","sentiment_score":0.182551517834266,"channel":0,"num_words":60,"start":171.33,"end":191.05501},{"sentences":[{"text":"Okay?","start":191.355,"end":191.855,"sentiment":"neutral","sentiment_score":0.11287945508956908}],"sentiment":"neutral","sentiment_score":0.11287945508956908,"channel":0,"num_words":1,"start":191.355,"end":191.855},{"sentences":[{"text":"Yep.","start":192.825,"end":193.325,"sentiment":"neutral","sentiment_score":0.2930172085762024}],"sentiment":"neutral","sentiment_score":0.2930172085762024,"channel":1,"num_words":1,"start":192.825,"end":193.325},{"sentences":[{"text":"Perfect.","start":194.18999,"end":194.59,"sentiment":"positive","sentiment_score":0.539530873298645},{"text":"So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there.","start":194.59,"end":206.385,"sentiment":"neutral","sentiment_score":0.2922297418117523},{"text":"I had a look at the way you invested.","start":206.705,"end":208.405,"sentiment":"positive","sentiment_score":0.36876635750134784},{"text":"You're in that balanced growth environment.","start":208.465,"end":210.245,"sentiment":"positive","sentiment_score":0.5286554644505183},{"text":"And when we kinda talked about that, you were happy to stay in that environment.","start":210.385,"end":213.92499,"sentiment":"positive","sentiment_score":0.5337368033826351}],"sentiment":"positive","sentiment_score":0.3678916523445256,"channel":0,"num_words":79,"start":194.18999,"end":213.92499},{"sentences":[{"text":"To kinda run it through for you, balanced growth portfolio tend to see about 70% of your super investing growth assets, like Australian shares, international shares, listed property, and commodities, like gold and silver, and then having a small...","start":214.385,"end":229.05,"sentiment":"neutral","sentiment_score":0.11920958795608619},{"text":"About a 30% defensive low risk component of, like, cash bonds and fixed interest debt.","start":229.27,"end":234.55,"sentiment":"neutral","sentiment_score":0.13651246378819148},{"text":"So you had mentioned you were happy to retain that kind of balance growth environment there.","start":234.55,"end":239.185,"sentiment":"positive","sentiment_score":0.6062209345400333},{"text":"So I went back and had a really good look at everything and how it was all structured.","start":239.325,"end":243.185,"sentiment":"positive","sentiment_score":0.35368728306558395},{"text":"When I looked at your current portfolio and how that was essentially working, looking at the the average five year returns, the portfolio had averaged about 5.06 over the past five years.","start":243.805,"end":255.95001,"sentiment":"neutral","sentiment_score":0.13876915466971695}],"sentiment":"neutral","sentiment_score":0.22669483236968518,"channel":0,"num_words":120,"start":214.385,"end":255.95001},{"sentences":[{"text":"Realistically, I kind of had a look and thought we could definitely do a bit better than that, and looked at maybe altering that portfolio and removing some underperforming investment there for you.","start":256.09,"end":265.295,"sentiment":"neutral","sentiment_score":0.0870039818639105},{"text":"Okay?","start":265.355,"end":265.855,"sentiment":"neutral","sentiment_score":0.04303531348705292}],"sentiment":"neutral","sentiment_score":0.0857107857351794,"channel":0,"num_words":34,"start":256.09,"end":265.855},{"sentences":[{"text":"Yep.","start":268.305,"end":268.805,"sentiment":"neutral","sentiment_score":0.02889372408390045}],"sentiment":"neutral","sentiment_score":0.02889372408390045,"channel":1,"num_words":1,"start":268.305,"end":268.805},{"sentences":[{"text":"So, essentially, with the car...","start":268.715,"end":270.715,"sentiment":"neutral","sentiment_score":0.006477071810513735},{"text":"With what I'm swapping out, the newer portfolio...","start":270.715,"end":273.835,"sentiment":"neutral","sentiment_score":0.002387809567153454},{"text":"And I don't know if we would've talked last time I explained that whenever I'm looking at researching investments, we also look and consider the capital gains consequence.","start":273.835,"end":281.71,"sentiment":"neutral","sentiment_score":-0.009982754808983632},{"text":"Because whenever we are buying and selling or altering investments, there are CDT consequences just like you do a tax return every year.","start":281.77,"end":289.545,"sentiment":"neutral","sentiment_score":-0.022265225648880005},{"text":"So does your super fund.","start":289.86502,"end":291.405,"sentiment":"neutral","sentiment_score":-0.006229019165039063}],"sentiment":"neutral","sentiment_score":-0.011177892533495375,"channel":0,"num_words":69,"start":268.715,"end":291.405},{"sentences":[{"text":"So when I kinda went back and had a look at switching these investments out, I've tried to limit that capital gains consequences much as possible.","start":291.545,"end":299.24503,"sentiment":"neutral","sentiment_score":0.010789073932056244},{"text":"So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good.","start":299.30502,"end":309.82,"sentiment":"neutral","sentiment_score":0.26131935303027815},{"text":"The newer portfolio that I'm recommending is still keeping you in that balanced growth environment, but it has averaged about a 9.40% to average return over the past five years there.","start":311.24,"end":321.995,"sentiment":"positive","sentiment_score":0.47528882468900374},{"text":"So so long as this portfolio can keep up and obtain that return, as you can imagine, it can put you in front pretty significantly and provide a greater projected outcome for your super for your retirement there as well.","start":321.995,"end":334.72998,"sentiment":"positive","sentiment_score":0.6403314441442489},{"text":"Okay?","start":334.72998,"end":335.22998,"sentiment":"neutral","sentiment_score":0.21751415729522705}],"sentiment":"positive","sentiment_score":0.3841898757213306,"channel":0,"num_words":124,"start":291.545,"end":335.22998},{"sentences":[{"text":"Yep.","start":336.065,"end":336.565,"sentiment":"neutral","sentiment_score":0.21525102853775024}],"sentiment":"neutral","sentiment_score":0.21525102853775024,"channel":1,"num_words":1,"start":336.065,"end":336.565},{"sentences":[{"text":"The other thing I like about this newer portfolio is that it's also cheaper.","start":336.72998,"end":340.50998,"sentiment":"positive","sentiment_score":0.4988109767436981},{"text":"So at the moment in investment fees, you were paying about $950.","start":340.845,"end":345.185,"sentiment":"neutral","sentiment_score":0.15125206237037978},{"text":"This newer portfolio averages $344 in investment fees.","start":345.325,"end":349.64502,"sentiment":"positive","sentiment_score":0.388303704559803},{"text":"It was actually saving you over $600 in investment fees for the first year.","start":349.64502,"end":354.36502,"sentiment":"positive","sentiment_score":0.6620644139392036},{"text":"So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super.","start":354.36502,"end":362.36,"sentiment":"positive","sentiment_score":0.5090917907655239}],"sentiment":"positive","sentiment_score":0.46377656712300247,"channel":0,"num_words":72,"start":336.72998,"end":362.36},{"sentences":[{"text":"It's also cheaper, and it has performed much greater over the past five years, which, you know, looking at all those sorts of factors can put you in a much greater position over the next five to ten years, essentially.","start":362.58,"end":373.395,"sentiment":"positive","sentiment_score":0.6789479829370976}],"sentiment":"positive","sentiment_score":0.6789479829370976,"channel":0,"num_words":40,"start":362.58,"end":373.395},{"sentences":[{"text":"Yep.","start":375.84,"end":376.34,"sentiment":"neutral","sentiment_score":0.31681084632873535}],"sentiment":"neutral","sentiment_score":0.31681084632873535,"channel":1,"num_words":1,"start":375.84,"end":376.34},{"sentences":[{"text":"Excellent.","start":376.97498,"end":377.47498,"sentiment":"positive","sentiment_score":0.5910406708717346},{"text":"With what we're gonna do and how this portfolio essentially looks to be structured, it's about replacing some of the investments that have been underperforming.","start":378.335,"end":386.53,"sentiment":"neutral","sentiment_score":0.07761122670024634},{"text":"So the Benelon Australian equities will be removed completely.","start":386.91,"end":389.97,"sentiment":"neutral","sentiment_score":-0.06438009668555525},{"text":"We are also removing the silver component, the battery and lithium tech.","start":390.51,"end":394.93,"sentiment":"neutral","sentiment_score":-0.016387101029977202},{"text":"The global Morningstar tech is gonna be removed as well.","start":395.31,"end":398.85,"sentiment":"neutral","sentiment_score":-0.003863135352730751}],"sentiment":"neutral","sentiment_score":0.0301162088126467,"channel":0,"num_words":57,"start":376.97498,"end":398.85},{"sentences":[{"text":"We're also going to just keep and rebalance the S and P 500.","start":399.13498,"end":403.235,"sentiment":"neutral","sentiment_score":0.05288194349178901},{"text":"We're fully removing the Asia iShares investments, the Vanguard diversified index, and also the Vanguard Australian fixed interest index.","start":403.535,"end":412.275,"sentiment":"neutral","sentiment_score":0.017157714617879766},{"text":"Moving those and replacing them with other investments, essentially, once we've had all those sold and removed, we're then going to increase your exposure into physical gold because it has done really well.","start":413.17,"end":424.61002,"sentiment":"neutral","sentiment_score":0.14462462744929575},{"text":"It is a really great growth asset, but also acts defensively as well and has still had, like, some really good growth over the past couple of years there.","start":424.61002,"end":433.435,"sentiment":"positive","sentiment_score":0.4593288364081547},{"text":"So keeping 10% physical gold within your portfolio.","start":433.435,"end":436.815,"sentiment":"neutral","sentiment_score":0.23406894877552986}],"sentiment":"neutral","sentiment_score":0.2056780626960829,"channel":0,"num_words":102,"start":399.13498,"end":436.815},{"sentences":[{"text":"We're also going to increase your exposure into the iShares Europe, which is giving you exposure to all 16 European countries there.","start":437.51498,"end":444.88,"sentiment":"neutral","sentiment_score":0.16042555089701305},{"text":"We want 7% invested in that investment.","start":445.26,"end":447.92,"sentiment":"neutral","sentiment_score":0.16579257377556392},{"text":"We also wanna increase cybersecurity, which also gives you some tech exposure as well.","start":448.54,"end":453.555,"sentiment":"neutral","sentiment_score":0.09205426382167},{"text":"So we'll hold five...","start":453.79498,"end":454.995,"sentiment":"neutral","sentiment_score":0.03406538534909487},{"text":"Sorry.","start":454.995,"end":455.315,"sentiment":"neutral","sentiment_score":-0.03685988858342171}],"sentiment":"neutral","sentiment_score":0.12662648921832442,"channel":0,"num_words":48,"start":437.51498,"end":455.315},{"sentences":[{"text":"4% in that investment, and that's giving you exposure to global cybersecurity and tax.","start":455.315,"end":460.535,"sentiment":"neutral","sentiment_score":0.003588347296629633},{"text":"Then we've also got the iShares Japan, so 3% in the Japanese market to give you that kind of exposure.","start":461.07498,"end":468.055,"sentiment":"neutral","sentiment_score":0.069572408311069},{"text":"And then because we have removed some other areas, including Asia, we'll be looking at in...","start":468.63,"end":473.05002,"sentiment":"neutral","sentiment_score":0.0218849140801467},{"text":"Incorporating the Vanguard or World ex US investment.","start":473.19,"end":476.33002,"sentiment":"neutral","sentiment_score":0.011275311524514109},{"text":"This is essentially giving you exposure to the entire globe minus The US Of A.","start":477.03003,"end":482.025,"sentiment":"neutral","sentiment_score":0.0864405548820893}],"sentiment":"neutral","sentiment_score":0.0435432119052602,"channel":0,"num_words":73,"start":455.315,"end":482.025},{"sentences":[{"text":"We don't need to have The US in an investment because we hold the S and P 500 there.","start":482.10498,"end":487.145,"sentiment":"neutral","sentiment_score":0.055338399092617785},{"text":"But one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible.","start":487.145,"end":495.965,"sentiment":"positive","sentiment_score":0.3588239898284276},{"text":"And this investment does that in a low cost way, which should be great.","start":496.39,"end":500.07,"sentiment":"positive","sentiment_score":0.6379437680755343},{"text":"Does that make sense so far?","start":500.07,"end":501.77002,"sentiment":"neutral","sentiment_score":0.24904792507489523}],"sentiment":"neutral","sentiment_score":0.3206845092671839,"channel":0,"num_words":66,"start":482.10498,"end":501.77002},{"sentences":[{"text":"It does.","start":502.42,"end":503.16,"sentiment":"neutral","sentiment_score":0.16797025501728058}],"sentiment":"neutral","sentiment_score":0.16797025501728058,"channel":1,"num_words":2,"start":502.42,"end":503.16},{"sentences":[{"text":"Yeah.","start":503.67,"end":504.15002,"sentiment":"positive","sentiment_score":0.4066394567489624},{"text":"Beautiful.","start":504.15002,"end":504.63,"sentiment":"positive","sentiment_score":0.660464882850647},{"text":"We'll hold 7% of that investment there.","start":504.63,"end":507.29,"sentiment":"positive","sentiment_score":0.3540899178811482},{"text":"And then because we are removing the ban along Australian equities, it has underperformed.","start":507.51,"end":511.545,"sentiment":"neutral","sentiment_score":0.2446860218686717},{"text":"So we're gonna replace that so we still have some Australian exposure.","start":511.76498,"end":515.305,"sentiment":"neutral","sentiment_score":0.1947233701745669}],"sentiment":"neutral","sentiment_score":0.2659433860863958,"channel":0,"num_words":35,"start":503.67,"end":515.305},{"sentences":[{"text":"With the BetaShares a 200, this investment is really good.","start":515.605,"end":519.685,"sentiment":"positive","sentiment_score":0.678817743062973},{"text":"It's actually giving you more diversification, which helps to lower market risk and also provides you with the top two...","start":519.685,"end":526.59,"sentiment":"positive","sentiment_score":0.5411101758480072},{"text":"Exposures to the top 200 companies on the ASX, which is fantastic.","start":526.73004,"end":530.35004,"sentiment":"positive","sentiment_score":0.5867376749714216},{"text":"And then we still wanna keep some low risk defensive investments.","start":531.29004,"end":534.43,"sentiment":"neutral","sentiment_score":0.27537504651329736},{"text":"So we're having core composite bonds in there.","start":534.49,"end":536.865,"sentiment":"neutral","sentiment_score":0.2443632334470749}],"sentiment":"positive","sentiment_score":0.48582400699130823,"channel":0,"num_words":61,"start":515.605,"end":536.865},{"sentences":[{"text":"That's giving you access and exposure to government and corporate bonds as well as some international exposure to other defensive bank notes and things like that as well.","start":536.945,"end":546.065,"sentiment":"neutral","sentiment_score":0.2632414123841694},{"text":"So all of those investments together encompass a newer portfolio.","start":546.065,"end":549.845,"sentiment":"neutral","sentiment_score":0.29743438214063644},{"text":"And, essentially, by buying some, selling others, and rebalancing, at the end of the day, you'll have a more diversified portfolio that's cheaper, has performed better, and we'll sort of track that forward and keep updated and keep reviewing that to sort of see how that works.","start":550.43,"end":567.225,"sentiment":"neutral","sentiment_score":0.31641002696879367},{"text":"I know it is a lot when you're not really looking at the document, but are there any questions that might have come out of that currently at all for you, Albert?","start":567.225,"end":574.045,"sentiment":"neutral","sentiment_score":0.010890625679166988}],"sentiment":"neutral","sentiment_score":0.21850320220025432,"channel":0,"num_words":117,"start":536.945,"end":574.045},{"sentences":[{"text":"No.","start":575.325,"end":575.565,"sentiment":"neutral","sentiment_score":-0.09549925476312636},{"text":"No.","start":575.565,"end":575.645,"sentiment":"neutral","sentiment_score":-0.09443441778421402},{"text":"At the moment, no.","start":575.645,"end":576.445,"sentiment":"neutral","sentiment_score":-0.08142770454287529},{"text":"It's pretty good actually.","start":576.445,"end":577.585,"sentiment":"neutral","sentiment_score":0.055911364033818245}],"sentiment":"neutral","sentiment_score":-0.02919990345835686,"channel":1,"num_words":10,"start":575.325,"end":577.585},{"sentences":[{"text":"Excellent.","start":578.27997,"end":578.77997,"sentiment":"positive","sentiment_score":0.46846631169319153},{"text":"All good.","start":578.83997,"end":579.39996,"sentiment":"positive","sentiment_score":0.37995193898677826},{"text":"So when you are looking at the document there, if you look down at page number 19, that's gonna have that there for you.","start":579.39996,"end":585.24,"sentiment":"neutral","sentiment_score":0.07032254136477907},{"text":"You'll see all the red and green on the documents.","start":585.24,"end":587.48,"sentiment":"neutral","sentiment_score":0.046388144977390765},{"text":"The red's the ones that we're selling.","start":587.48,"end":588.92,"sentiment":"neutral","sentiment_score":0.026356812433472702}],"sentiment":"neutral","sentiment_score":0.08101114361885596,"channel":0,"num_words":44,"start":578.27997,"end":588.92},{"sentences":[{"text":"The green is where we're gonna be purchasing those investments, and you'll be able to see where we sort of have that...","start":588.92,"end":594.375,"sentiment":"neutral","sentiment_score":0.05651628598570824},{"text":"Where that transition is and what you'll sort of have once that switch has been completed, which is really great.","start":594.995,"end":600.295,"sentiment":"positive","sentiment_score":0.41353708058595656},{"text":"Okay?","start":600.435,"end":600.935,"sentiment":"neutral","sentiment_score":0.3098946213722229}],"sentiment":"neutral","sentiment_score":0.22846498894830083,"channel":0,"num_words":43,"start":588.92,"end":600.935},{"sentences":[{"text":"Yeah.","start":601.98505,"end":602.30505,"sentiment":"neutral","sentiment_score":0.22637568414211273},{"text":"Not a problem.","start":602.30505,"end":603.04504,"sentiment":"neutral","sentiment_score":0.28542348742485046}],"sentiment":"neutral","sentiment_score":0.27066153660416603,"channel":1,"num_words":4,"start":601.98505,"end":603.04504},{"sentences":[{"text":"Excellent.","start":604.02997,"end":604.52997,"sentiment":"positive","sentiment_score":0.5066994428634644},{"text":"Essentially, I also have got in here...","start":604.75,"end":606.43,"sentiment":"neutral","sentiment_score":0.08852647511022431},{"text":"This is a sort of an out...","start":606.43,"end":607.67,"sentiment":"neutral","sentiment_score":0.003779361955821514},{"text":"A bit of a projection to sort of look at the next eight years there for when you do get to that retirement side of things.","start":607.67,"end":613.55,"sentiment":"neutral","sentiment_score":0.017098056331563454},{"text":"So we've limited scope that in, essentially.","start":613.55,"end":615.71,"sentiment":"neutral","sentiment_score":-0.013794015294739179}],"sentiment":"neutral","sentiment_score":0.03126732624756793,"channel":0,"num_words":48,"start":604.02997,"end":615.71},{"sentences":[{"text":"We're not making a recommendation on the drawdown at this point in time.","start":615.71,"end":619.57,"sentiment":"neutral","sentiment_score":-0.051299589614455514},{"text":"However, I do like to incorporate it on a limited basis just to sort of show you where you are projecting.","start":620.065,"end":624.96497,"sentiment":"neutral","sentiment_score":0.0725660277087064},{"text":"So from the age of 70, given your current circumstances with eligibility of Centrelink and then also drawing some funds out of super to to kind of pull your income together.","start":625.185,"end":636.48004,"sentiment":"neutral","sentiment_score":0.06421957363284403},{"text":"We have sort of looked at the projected outcome noting that the estimated income...","start":636.78,"end":641.68,"sentiment":"neutral","sentiment_score":0.025911530080650533},{"text":"Realistically, you're looking to try and get about 41,600 per year.","start":642.06,"end":646.88,"sentiment":"neutral","sentiment_score":0.03337908087467605}],"sentiment":"neutral","sentiment_score":0.0397525556695958,"channel":0,"num_words":90,"start":615.71,"end":646.88},{"sentences":[{"text":"You're able to draw a little bit over that incorporation.","start":647.505,"end":650.16504,"sentiment":"neutral","sentiment_score":0.09942772462964058},{"text":"So it does show this is working towards your goal between your super and Centrelink.","start":650.54504,"end":654.885,"sentiment":"neutral","sentiment_score":0.2170176734526952},{"text":"It is projected that you'll be able to, you know, have the income requirement that you're after, but this will definitely be looked at in a lot more detail as you get closer to actually taking funds out of sleep and actually retiring there.","start":655.42505,"end":668.54,"sentiment":"neutral","sentiment_score":0.06794720905070956},{"text":"And one of the things that I will look at with you is when you get to retirement, what your income actually is that you wanna draw, how we draw that, And I can also in-depth look at Centrelink down the track for you as well to assess your eligibility side of things and give you a much more in-depth look at the drawdown and how that looks down the track.","start":668.6,"end":687.295,"sentiment":"neutral","sentiment_score":0.0558050701683256},{"text":"How does that sound?","start":687.295,"end":688.355,"sentiment":"neutral","sentiment_score":0.10507269948720932}],"sentiment":"neutral","sentiment_score":0.08070604393206951,"channel":0,"num_words":144,"start":647.505,"end":688.355},{"sentences":[{"text":"That's good.","start":690.065,"end":690.88495,"sentiment":"positive","sentiment_score":0.5108511447906494}],"sentiment":"positive","sentiment_score":0.5108511447906494,"channel":1,"num_words":2,"start":690.065,"end":690.88495},{"sentences":[{"text":"Excellent.","start":691.59,"end":692.09,"sentiment":"positive","sentiment_score":0.4225880801677704},{"text":"The other thing we did talk about last time was looking at that transition retirement sort of strategy.","start":692.55,"end":697.11,"sentiment":"neutral","sentiment_score":-0.16259133732981151},{"text":"We did look at that.","start":697.11,"end":698.57,"sentiment":"neutral","sentiment_score":-0.1906041383743286},{"text":"However, it didn't actually put you in a better position.","start":699.19,"end":701.83,"sentiment":"negative","sentiment_score":-0.4819127142429352},{"text":"It actually put you in a worse position over the next eight years.","start":701.83,"end":704.78503,"sentiment":"negative","sentiment_score":-0.5209323775309783}],"sentiment":"neutral","sentiment_score":-0.32017712199941595,"channel":0,"num_words":47,"start":691.59,"end":704.78503},{"sentences":[{"text":"So we decided not to go ahead with that and just to the investments which can keep you solely in the accumulation phase.","start":704.78503,"end":711.685,"sentiment":"neutral","sentiment_score":-0.12141996184768884},{"text":"I do have that research in the appendices if you do wanna go back and have a look at that, but this worked out to put you in a much better place and keep your super working a bit harder for you.","start":712.465,"end":722.79,"sentiment":"neutral","sentiment_score":0.31791497252526735},{"text":"Does that make sense?","start":722.79,"end":724.00995,"sentiment":"neutral","sentiment_score":0.08036493137478828}],"sentiment":"neutral","sentiment_score":0.15769897752266,"channel":0,"num_words":69,"start":704.78503,"end":724.00995},{"sentences":[{"text":"Yeah.","start":724.39996,"end":724.63995,"sentiment":"neutral","sentiment_score":0.09057547152042388},{"text":"That's that's that's.","start":724.63995,"end":725.69995,"sentiment":"neutral","sentiment_score":0.16275171438852945}],"sentiment":"neutral","sentiment_score":0.14470765367150307,"channel":1,"num_words":4,"start":724.39996,"end":725.69995},{"sentences":[{"text":"Yeah.","start":726.14996,"end":726.62994,"sentiment":"neutral","sentiment_score":0.28470391035079956},{"text":"Beautiful.","start":726.62994,"end":727.12994,"sentiment":"positive","sentiment_score":0.5733759999275208},{"text":"Beautiful.","start":727.26996,"end":727.76996,"sentiment":"positive","sentiment_score":0.5823287963867188},{"text":"So what I'll do is I've got the document in your email there.","start":727.91,"end":730.79,"sentiment":"neutral","sentiment_score":0.2826532996617831},{"text":"I will let you go back so you can have a really good look through it.","start":730.79,"end":733.845,"sentiment":"positive","sentiment_score":0.35343014262616634}],"sentiment":"positive","sentiment_score":0.336555746383965,"channel":0,"num_words":32,"start":726.14996,"end":733.845},{"sentences":[{"text":"Please","start":734.165,"end":734.485,"sentiment":"neutral","sentiment_score":0.19559268653392792}],"sentiment":"neutral","sentiment_score":0.19559268653392792,"channel":0,"num_words":1,"start":734.165,"end":734.485},{"sentences":[{"text":"Yep.","start":734.48,"end":734.98,"sentiment":"neutral","sentiment_score":0.1830027550458908}],"sentiment":"neutral","sentiment_score":0.1830027550458908,"channel":1,"num_words":1,"start":734.48,"end":734.98},{"sentences":[{"text":"do let me know if you do happen to have any questions there.","start":734.485,"end":737.125,"sentiment":"neutral","sentiment_score":0.1592383487866475},{"text":"I know it can be a lot me running through those things without you actually seeing it, so I do apologize.","start":737.125,"end":741.94495,"sentiment":"neutral","sentiment_score":-0.02332411032347452},{"text":"But I'll give you some time to read it over, and then you're welcome to come back and let me know if you do happen to have any all.","start":742.64496,"end":750.07996,"sentiment":"neutral","sentiment_score":0.1806596992858525},{"text":"Okay?","start":750.07996,"end":750.57996,"sentiment":"neutral","sentiment_score":0.14024363458156586},{"text":"Easy.","start":753.04,"end":753.54,"sentiment":"neutral","sentiment_score":0.22064051032066345}],"sentiment":"neutral","sentiment_score":0.1104662714096216,"channel":0,"num_words":65,"start":734.485,"end":753.54},{"sentences":[{"text":"Moving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you.","start":753.68,"end":760.82,"sentiment":"neutral","sentiment_score":0.1232572952285409},{"text":"Would you be comfortable with maybe a three or months catch up?","start":761.27997,"end":764.175,"sentiment":"neutral","sentiment_score":0.03803346958011389},{"text":"What would you like to see, Alvin?","start":764.175,"end":765.79504,"sentiment":"neutral","sentiment_score":0.020899226223783835},{"text":"About six months?","start":768.41504,"end":769.635,"sentiment":"neutral","sentiment_score":0.014753136783838272}],"sentiment":"neutral","sentiment_score":0.08502201992949401,"channel":0,"num_words":54,"start":753.68,"end":769.635},{"sentences":[{"text":"Yeah.","start":770.165,"end":770.665,"sentiment":"neutral","sentiment_score":0.07638490945100784}],"sentiment":"neutral","sentiment_score":0.07638490945100784,"channel":1,"num_words":1,"start":770.165,"end":770.665},{"sentences":[{"text":"Yeah.","start":771.215,"end":771.615,"sentiment":"neutral","sentiment_score":0.2158607840538025},{"text":"Beautiful.","start":771.615,"end":772.09503,"sentiment":"positive","sentiment_score":0.5290817022323608},{"text":"I'll pop that in my calendar.","start":772.09503,"end":773.375,"sentiment":"positive","sentiment_score":0.4097706178824107},{"text":"My team will make sure they touch base in six months as well just to do a bit of a catch up with you.","start":773.375,"end":777.87,"sentiment":"positive","sentiment_score":0.36613305285573006},{"text":"Other than that, everything is all on track and working really well.","start":778.67,"end":782.51,"sentiment":"positive","sentiment_score":0.5957487747073174}],"sentiment":"positive","sentiment_score":0.4349941990592263,"channel":0,"num_words":44,"start":771.215,"end":782.51},{"sentences":[{"text":"I'll let you review the documents there.","start":782.51,"end":784.02997,"sentiment":"neutral","sentiment_score":0.27997011584895},{"text":"And, again, just let me know if there's any questions that do happen to come out of it.","start":784.02997,"end":787.73,"sentiment":"neutral","sentiment_score":0.2261650330490536},{"text":"And,","start":788.11,"end":788.27,"sentiment":"neutral","sentiment_score":0.15144650638103485}],"sentiment":"neutral","sentiment_score":0.23777722739256346,"channel":0,"num_words":26,"start":782.51,"end":788.27},{"sentences":[{"text":"Yep.","start":788.26,"end":788.76,"sentiment":"neutral","sentiment_score":0.14686791598796844}],"sentiment":"neutral","sentiment_score":0.14686791598796844,"channel":1,"num_words":1,"start":788.26,"end":788.76},{"sentences":[{"text":"oh, there is no implementation fees.","start":788.27,"end":790.27,"sentiment":"neutral","sentiment_score":0.13320398951570192},{"text":"The advice is all part of our services, and you paying the ongoing service fee of 1.10%.","start":790.27,"end":795.815,"sentiment":"neutral","sentiment_score":0.17818118193570306},{"text":"Okay?","start":796.035,"end":796.535,"sentiment":"neutral","sentiment_score":0.1123502552509308}],"sentiment":"neutral","sentiment_score":0.1641939285521706,"channel":0,"num_words":24,"start":788.27,"end":796.535},{"sentences":[{"text":"Yep.","start":797.295,"end":797.615,"sentiment":"neutral","sentiment_score":0.11684612929821014},{"text":"Not a problem.","start":797.615,"end":798.435,"sentiment":"neutral","sentiment_score":0.2673515776793162}],"sentiment":"neutral","sentiment_score":0.2297252155840397,"channel":1,"num_words":4,"start":797.295,"end":798.435},{"sentences":[{"text":"Easy.","start":799.15497,"end":799.65497,"sentiment":"positive","sentiment_score":0.398794561624527},{"text":"All good.","start":800.115,"end":800.595,"sentiment":"positive","sentiment_score":0.4514167457818985},{"text":"Well, I will let you go.","start":800.595,"end":802.27496,"sentiment":"positive","sentiment_score":0.4252534508705139},{"text":"I hope you have a lovely afternoon.","start":802.27496,"end":804.21497,"sentiment":"positive","sentiment_score":0.6136426414762225},{"text":"And, again, just let me know if there's anything you need or any questions that you do have.","start":804.435,"end":808.02997,"sentiment":"positive","sentiment_score":0.3874061819579866}],"sentiment":"positive","sentiment_score":0.44476348599966836,"channel":0,"num_words":34,"start":799.15497,"end":808.02997},{"sentences":[{"text":"But I really appreciate your time and you calling back.","start":808.02997,"end":810.99,"sentiment":"positive","sentiment_score":0.5962402164936066},{"text":"Thank you so much for that.","start":810.99,"end":812.44995,"sentiment":"positive","sentiment_score":0.857405811548233}],"sentiment":"positive","sentiment_score":0.6941773146390915,"channel":0,"num_words":16,"start":808.02997,"end":812.44995},{"sentences":[{"text":"No problem.","start":812.79004,"end":813.43,"sentiment":"positive","sentiment_score":0.6956569254398346},{"text":"Thank you for that.","start":813.43,"end":814.41003,"sentiment":"positive","sentiment_score":0.8164413869380951}],"sentiment":"positive","sentiment_score":0.7761798997720083,"channel":1,"num_words":6,"start":812.79004,"end":814.41003},{"sentences":[{"text":"Thanks, Albert.","start":814.75,"end":815.47,"sentiment":"positive","sentiment_score":0.7994724810123444},{"text":"I'll talk to you soon.","start":815.47,"end":816.26996,"sentiment":"positive","sentiment_score":0.6910443663597107},{"text":"You have a good afternoon and a great weekend ahead.","start":816.26996,"end":818.54694,"sentiment":"positive","sentiment_score":0.8043131113052369}],"sentiment":"positive","sentiment_score":0.7704292886397418,"channel":0,"num_words":17,"start":814.75,"end":818.54694},{"sentences":[{"text":"No worries.","start":819.11005,"end":819.59,"sentiment":"positive","sentiment_score":0.44558292627334595},{"text":"You too.","start":819.59,"end":820.25,"sentiment":"positive","sentiment_score":0.5023777186870575}],"sentiment":"positive","sentiment_score":0.4739803224802017,"channel":1,"num_words":4,"start":819.11005,"end":820.25},{"sentences":[{"text":"Thanks.","start":820.54694,"end":820.94696,"sentiment":"positive","sentiment_score":0.6801959276199341},{"text":"See you later.","start":820.94696,"end":821.68695,"sentiment":"positive","sentiment_score":0.556106686592102},{"text":"Bye.","start":821.74695,"end":822.24695,"sentiment":"neutral","sentiment_score":0.2718435227870941}],"sentiment":"positive","sentiment_score":0.5240719020366669,"channel":0,"num_words":5,"start":820.54694,"end":822.24695},{"sentences":[{"text":"Yeah.","start":822.31,"end":822.71,"sentiment":"neutral","sentiment_score":0.17229720950126648},{"text":"Bye.","start":822.71,"end":823.21,"sentiment":"neutral","sentiment_score":-0.11076580733060835}],"sentiment":"neutral","sentiment_score":0.030765701085329063,"channel":1,"num_words":2,"start":822.31,"end":823.21}]},"summary":{"result":"success","short":"Representatives from OQ Financial and an investment company discuss Albert's updated statement of advice and recommend his replacement investments with newer ones and maintaining a diversified portfolio. They also suggest reducing risk and maintaining a balance portfolio while providing a projection of retirement drawdown and retirement goals. The speakers provide information on retirement goals and income requirements, retirement strategies, and a document for follow-up catch-up in six months. They apologize for the lack of an implementation fee and thank Albert for his time."},"intents":{"segments":[{"text":"This is Dana from OQ Financial. How are you today? Good. Thank you.","start_word":2,"end_word":14,"intents":[{"intent":"Schedule call","confidence_score":0.007643929}]},{"text":"So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week. Does that still sound appropriate?","start_word":380,"end_word":439,"intents":[{"intent":"Prioritize growth and retirement","confidence_score":0.19629148}]},{"text":"Would there be any changes there, do you think?","start_word":440,"end_word":448,"intents":[{"intent":"Determine appropriate changes and recommend estate planning","confidence_score":0.00017932107}]},{"text":"I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected.","start_word":459,"end_word":507,"intents":[{"intent":"Speak to a solicitor for estate planning","confidence_score":0.0055369143}]},{"text":"So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs. That is all being scoped out. No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently. Okay?","start_word":585,"end_word":634,"intents":[{"intent":"Acknowledge beneficiaries and trust to be defended","confidence_score":5.2470115e-11}]},{"text":"So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there.","start_word":637,"end_word":684,"intents":[{"intent":"Review and review the superfund and hub twenty four","confidence_score":0.000023703293}]},{"text":"I had a look at the way you invested. You're in that balanced growth environment. And when we kinda talked about that, you were happy to stay in that environment.","start_word":685,"end_word":714,"intents":[{"intent":"Discuss the benefit of staying in the growth environment","confidence_score":0.00040483996}]},{"text":"So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good.","start_word":965,"end_word":990,"intents":[{"intent":"Recommend portfolio swap","confidence_score":0.069209106}]},{"text":"So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super.","start_word":1112,"end_word":1135,"intents":[{"intent":"Replace portfolios","confidence_score":0.009936563}]},{"text":"This is essentially giving you exposure to the entire globe minus The US Of A. We don't need to have The US in an investment because we hold the S and P 500 there. But one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible. And this investment does that in a low cost way, which should be great. Does that make sense so far? It does.","start_word":1443,"end_word":1525,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0029149298}]},{"text":"The other thing we did talk about last time was looking at that transition retirement sort of strategy. We did look at that. However, it didn't actually put you in a better position. It actually put you in a worse position over the next eight years.","start_word":2124,"end_word":2169,"intents":[{"intent":"Analyze retirement strategies","confidence_score":0.046501078}]},{"text":"Moving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you. Would you be comfortable with maybe a three or months catch up?","start_word":2342,"end_word":2385,"intents":[{"intent":"Check implementation progress","confidence_score":0.006809879}]}]},"sentiments":{"segments":[{"text":"Hi, Albert. This is Dana from OQ Financial. How are you today?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.1711970865726471},{"text":"Good. Thank you. And yourself? I'm very well. Thank you. Thanks so much for returning my call.","start_word":12,"end_word":28,"sentiment":"positive","sentiment_score":0.5264309048652649},{"text":"I'm so sorry I missed you before. How's you... How's everything? I just said I was in the newbie pocket driving down the road. I was like, hang on. That phone rings. No. That's honestly all good. That's why I called twice, and I was about to send you a text message as well just in case you were busy, but it's honestly all good. Albert, I just have you booked in to run through your updated statement of advice. Is it okay to run through that with you now? Is now still okay? Yes. All the problems. Legend. Excellent. And I normally email the document through through to you. Are you in a place where you're able to view that email at all? If you're not, that's okay. No. Not at the moment. No. No. That's okay. If you like, what I'll do is I'll send it through to your email there. I'll go through the recommendations as easily as possible just to give you an idea of where we're heading. And then I have sent the documents so you are able to review that prior to taking it and signing it on board. Does that sound okay? Yeah. That's fine.","start_word":29,"end_word":230,"sentiment":"neutral","sentiment_score":0.08224079757928848},{"text":"Excellent. All good.","start_word":231,"end_word":233,"sentiment":"positive","sentiment_score":0.3612973690032959},{"text":"So with the statement of advice there, when you look at your email, it has your name on the front. We date all of our documents for the date of the presentation, the 09/09/2026, and the advice is valid for sixty days. You do have some time to review it prior to deciding to take the recommendations there. On the front of the document, we do also note my license number. So I'm a licensed financial adviser, and my registration number is 1304394, registered with ASIC. Okay? Yep. As you are scrolling through, it does note the best interest duties that any advice provided does need to be in accordance with your best interest, making sure we're here to help work towards your goals. And then we've also got your scoping in and out. So with this advice essentially limited to superannuation for the time being. So your goal when we spoke was that you were wanting to prioritize the growth of your growth of your superannuation fund balance, and it was important for you to have enough income and comfortably retire at around about age 70, and you were hoping to draw an income of around about $800 per week. Does that still sound appropriate? Would there be any changes there, do you think?","start_word":234,"end_word":448,"sentiment":"neutral","sentiment_score":0.10215569758831068},{"text":"No. It's a bad road at the moment.","start_word":449,"end_word":456,"sentiment":"negative","sentiment_score":-0.5730913281440735},{"text":"Yep.","start_word":457,"end_word":457,"sentiment":"neutral","sentiment_score":0.160260871052742},{"text":"Beautiful.","start_word":458,"end_word":458,"sentiment":"positive","sentiment_score":0.5106446743011475},{"text":"I've also scoped in the estate planning aspect just to the point of recommending you do speak to a solicitor to obtain and have your wills and power of attorney written and placed in force just to make sure that everything that you've worked so hard for is protected. A will to distribute any of your assets in the event of your passing, and a power of attorney to make sure that if you are ever in a place of incapacity where you're unable to make your own decisions, that you have someone who can support you, that you've nominated someone who can follow your direction and act on your behalf for you. Okay? Yep.","start_word":459,"end_word":573,"sentiment":"neutral","sentiment_score":0.18973644077777865},{"text":"Excellent.","start_word":574,"end_word":574,"sentiment":"positive","sentiment_score":0.5467817187309265},{"text":"With regard to this, we've also scoped out other areas. So your beneficiaries on your super are currently in place, noting a 100% to be paid to hours in the event that something occurs. That is all being scoped out. No new recommendations that they made on that because your beneficiaries are enforced and they reflect your wishes currently. Okay? Yep.","start_word":575,"end_word":635,"sentiment":"neutral","sentiment_score":0.18147236108779907},{"text":"Perfect.","start_word":636,"end_word":636,"sentiment":"positive","sentiment_score":0.539530873298645},{"text":"So to kinda go through it in in a nutshell there, as part of your super making sure we're working harder towards your goals there, I did go back and have a look at your current Superfund, hub twenty four, as well as the other ones out there.","start_word":637,"end_word":684,"sentiment":"neutral","sentiment_score":0.2918758690357208},{"text":"I had a look at the way you invested. You're in that balanced growth environment. And when we kinda talked about that, you were happy to stay in that environment.","start_word":685,"end_word":714,"sentiment":"positive","sentiment_score":0.4956082701683045},{"text":"To kinda run it through for you, balanced growth portfolio tend to see about 70% of your super investing growth assets, like Australian shares, international shares, listed property, and commodities, like gold and silver, and then having a small... About a 30% defensive low risk component of, like, cash bonds and fixed interest debt.","start_word":715,"end_word":768,"sentiment":"neutral","sentiment_score":0.12277056276798248},{"text":"So you had mentioned you were happy to retain that kind of balance growth environment there. So I went back and had a really good look at everything and how it was all structured.","start_word":769,"end_word":802,"sentiment":"positive","sentiment_score":0.4660426676273346},{"text":"When I looked at your current portfolio and how that was essentially working, looking at the the average five year returns, the portfolio had averaged about 5.06 over the past five years. Realistically, I kind of had a look and thought we could definitely do a bit better than that, and looked at maybe altering that portfolio and removing some underperforming investment there for you. Okay? Yep. So, essentially, with the car... With what I'm swapping out, the newer portfolio... And I don't know if we would've talked last time I explained that whenever I'm looking at researching investments, we also look and consider the capital gains consequence. Because whenever we are buying and selling or altering investments, there are CDT consequences just like you do a tax return every year. So does your super fund. So when I kinda went back and had a look at switching these investments out, I've tried to limit that capital gains consequences much as possible. So the newer portfolio that I am recommending to you, essentially would only see a CGT liability for your super fund of $265, which is good.","start_word":803,"end_word":990,"sentiment":"neutral","sentiment_score":0.07182736694812775},{"text":"The newer portfolio that I'm recommending is still keeping you in that balanced growth environment, but it has averaged about a 9.40% to average return over the past five years there. So so long as this portfolio can keep up and obtain that return, as you can imagine, it can put you in front pretty significantly and provide a greater projected outcome for your super for your retirement there as well.","start_word":991,"end_word":1061,"sentiment":"positive","sentiment_score":0.5612637996673584},{"text":"Okay? Yep.","start_word":1062,"end_word":1063,"sentiment":"neutral","sentiment_score":0.21615628898143768},{"text":"The other thing I like about this newer portfolio is that it's also cheaper.","start_word":1064,"end_word":1077,"sentiment":"positive","sentiment_score":0.507124662399292},{"text":"So at the moment in investment fees, you were paying about $950.","start_word":1078,"end_word":1089,"sentiment":"neutral","sentiment_score":0.1552896946668625},{"text":"This newer portfolio averages $344 in investment fees. It was actually saving you over $600 in investment fees for the first year. So what I like about this newer portfolio is it didn't cost a lot in CDT to switch out to to replace within super. It's also cheaper, and it has performed much greater over the past five years, which, you know, looking at all those sorts of factors can put you in a much greater position over the next five to ten years, essentially.","start_word":1090,"end_word":1175,"sentiment":"positive","sentiment_score":0.5935952663421631},{"text":"Yep.","start_word":1176,"end_word":1176,"sentiment":"neutral","sentiment_score":0.31681084632873535},{"text":"Excellent.","start_word":1177,"end_word":1177,"sentiment":"positive","sentiment_score":0.5910406708717346},{"text":"With what we're gonna do and how this portfolio essentially looks to be structured, it's about replacing some of the investments that have been underperforming. So the Benelon Australian equities will be removed completely. We are also removing the silver component, the battery and lithium tech. The global Morningstar tech is gonna be removed as well. We're also going to just keep and rebalance the S and P 500. We're fully removing the Asia iShares investments, the Vanguard diversified index, and also the Vanguard Australian fixed interest index. Moving those and replacing them with other investments, essentially, once we've had all those sold and removed, we're then going to increase your exposure into physical gold because it has done really well.","start_word":1178,"end_word":1298,"sentiment":"neutral","sentiment_score":0.04973142221570015},{"text":"It is a really great growth asset, but also acts defensively as well and has still had, like, some really good growth over the past couple of years there.","start_word":1299,"end_word":1327,"sentiment":"positive","sentiment_score":0.4587453603744507},{"text":"So keeping 10% physical gold within your portfolio. We're also going to increase your exposure into the iShares Europe, which is giving you exposure to all 16 European countries there. We want 7% invested in that investment. We also wanna increase cybersecurity, which also gives you some tech exposure as well. So we'll hold five... Sorry. 4% in that investment, and that's giving you exposure to global cybersecurity and tax. Then we've also got the iShares Japan, so 3% in the Japanese market to give you that kind of exposure. And then because we have removed some other areas, including Asia, we'll be looking at in... Incorporating the Vanguard or World ex US investment. This is essentially giving you exposure to the entire globe minus The US Of A. We don't need to have The US in an investment because we hold the S and P 500 there.","start_word":1328,"end_word":1475,"sentiment":"neutral","sentiment_score":0.07838799683628855},{"text":"But one of the big things about being able to lower risk is diversifying your portfolio, so giving you exposure to as many different markets as possible. And this investment does that in a low cost way, which should be great.","start_word":1476,"end_word":1516,"sentiment":"positive","sentiment_score":0.4608630836009979},{"text":"Does that make sense so far? It does.","start_word":1517,"end_word":1524,"sentiment":"neutral","sentiment_score":0.22527752816677096},{"text":"Yeah. Beautiful. We'll hold 7% of that investment there.","start_word":1525,"end_word":1533,"sentiment":"positive","sentiment_score":0.41815608739852905},{"text":"And then because we are removing the ban along Australian equities, it has underperformed. So we're gonna replace that so we still have some Australian exposure.","start_word":1534,"end_word":1559,"sentiment":"neutral","sentiment_score":0.227764829993248},{"text":"With the BetaShares a 200, this investment is really good. It's actually giving you more diversification, which helps to lower market risk and also provides you with the top two... Exposures to the top 200 companies on the ASX, which is fantastic.","start_word":1560,"end_word":1601,"sentiment":"positive","sentiment_score":0.5894626975059509},{"text":"And then we still wanna keep some low risk defensive investments. So we're having core composite bonds in there. That's giving you access and exposure to government and corporate bonds as well as some international exposure to other defensive bank notes and things like that as well. So all of those investments together encompass a newer portfolio. And, essentially, by buying some, selling others, and rebalancing, at the end of the day, you'll have a more diversified portfolio that's cheaper, has performed better, and we'll sort of track that forward and keep updated and keep reviewing that to sort of see how that works. I know it is a lot when you're not really looking at the document, but are there any questions that might have come out of that currently at all for you, Albert? No. No. At the moment, no. It's pretty good actually.","start_word":1602,"end_word":1747,"sentiment":"neutral","sentiment_score":0.20796547830104828},{"text":"Excellent. All good.","start_word":1748,"end_word":1750,"sentiment":"positive","sentiment_score":0.4009059965610504},{"text":"So when you are looking at the document there, if you look down at page number 19, that's gonna have that there for you. You'll see all the red and green on the documents. The red's the ones that we're selling. The green is where we're gonna be purchasing those investments, and you'll be able to see where we sort of have that... Where that transition is and what you'll sort of have once that switch has been completed, which is really great. Okay? Yeah. Not a problem.","start_word":1751,"end_word":1838,"sentiment":"neutral","sentiment_score":0.148662893101573},{"text":"Excellent.","start_word":1839,"end_word":1839,"sentiment":"positive","sentiment_score":0.5066994428634644},{"text":"Essentially, I also have got in here... This is a sort of an out... A bit of a projection to sort of look at the next eight years there for when you do get to that retirement side of things. So we've limited scope that in, essentially. We're not making a recommendation on the drawdown at this point in time. However, I do like to incorporate it on a limited basis just to sort of show you where you are projecting. So from the age of 70, given your current circumstances with eligibility of Centrelink and then also drawing some funds out of super to to kind of pull your income together. We have sort of looked at the projected outcome noting that the estimated income... Realistically, you're looking to try and get about 41,600 per year. You're able to draw a little bit over that incorporation. So it does show this is working towards your goal between your super and Centrelink. It is projected that you'll be able to, you know, have the income requirement that you're after, but this will definitely be looked at in a lot more detail as you get closer to actually taking funds out of sleep and actually retiring there. And one of the things that I will look at with you is when you get to retirement, what your income actually is that you wanna draw, how we draw that, And I can also in-depth look at Centrelink down the track for you as well to assess your eligibility side of things and give you a much more in-depth look at the drawdown and how that looks down the track. How does that sound?","start_word":1840,"end_word":2120,"sentiment":"neutral","sentiment_score":0.05626483261585235},{"text":"That's good. Excellent.","start_word":2121,"end_word":2123,"sentiment":"positive","sentiment_score":0.4874072670936585},{"text":"The other thing we did talk about last time was looking at that transition retirement sort of strategy. We did look at that.","start_word":2124,"end_word":2146,"sentiment":"neutral","sentiment_score":-0.1685417741537094},{"text":"However, it didn't actually put you in a better position. It actually put you in a worse position over the next eight years.","start_word":2147,"end_word":2169,"sentiment":"negative","sentiment_score":-0.5026863813400269},{"text":"So we decided not to go ahead with that and just to the investments which can keep you solely in the accumulation phase. I do have that research in the appendices if you do wanna go back and have a look at that, but this worked out to put you in a much better place and keep your super working a bit harder for you. Does that make sense? Yeah. That's that's that's. Yeah.","start_word":2170,"end_word":2243,"sentiment":"neutral","sentiment_score":0.16561812162399292},{"text":"Beautiful. Beautiful.","start_word":2244,"end_word":2245,"sentiment":"positive","sentiment_score":0.5778523683547974},{"text":"So what I'll do is I've got the document in your email there.","start_word":2246,"end_word":2258,"sentiment":"neutral","sentiment_score":0.2876721918582916},{"text":"I will let you go back so you can have a really good look through it.","start_word":2259,"end_word":2274,"sentiment":"positive","sentiment_score":0.35559210181236267},{"text":"Please Yep. do let me know if you do happen to have any questions there. I know it can be a lot me running through those things without you actually seeing it, so I do apologize. But I'll give you some time to read it over, and then you're welcome to come back and let me know if you do happen to have any all. Okay? Easy. Moving forward, I do wanna do a bit of a catch up just to sort of see once we go through implementation how this looks and how it's all tracking for you. Would you be comfortable with maybe a three or months catch up? What would you like to see, Alvin? About six months? Yeah. Yeah.","start_word":2275,"end_word":2397,"sentiment":"neutral","sentiment_score":0.10348700731992722},{"text":"Beautiful. I'll pop that in my calendar. My team will make sure they touch base in six months as well just to do a bit of a catch up with you. Other than that, everything is all on track and working really well.","start_word":2398,"end_word":2440,"sentiment":"positive","sentiment_score":0.4396983385086059},{"text":"I'll let you review the documents there. And, again, just let me know if there's any questions that do happen to come out of it. And, Yep. oh, there is no implementation fees. The advice is all part of our services, and you paying the ongoing service fee of 1.10%. Okay? Yep. Not a problem.","start_word":2441,"end_word":2495,"sentiment":"neutral","sentiment_score":0.20153091847896576},{"text":"Easy. All good. Well, I will let you go. I hope you have a lovely afternoon. And, again, just let me know if there's anything you need or any questions that you do have. But I really appreciate your time and you calling back. Thank you so much for that. No problem. Thank you for that. Thanks, Albert. I'll talk to you soon. You have a good afternoon and a great weekend ahead. No worries. You too. Thanks. See you later.","start_word":2496,"end_word":2576,"sentiment":"positive","sentiment_score":0.5892755013925058},{"text":"Bye. Yeah. Bye.","start_word":2577,"end_word":2579,"sentiment":"neutral","sentiment_score":0.20519697666168213}],"average":{"sentiment":"neutral","sentiment_score":0.1905763171968006}}}}