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I had you booked in. It is pretty quick today just to go over some research I did on your super investments and the salary sacrifice. Now is still a good time? Yep. Perfect. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Beautiful. And just to confirm I am speaking with the right person, could I also please get you to confirm your full name, date of birth, and address, please? Perfect. And how's your day been so far? Been busy? Yes. Oh, all the fun stuff. Mhmm. Yeah. I don't know what that is. Yeah. Very busy. Yeah. Yes. I will. I will for sure. Like I said, today is pretty straightforward. Sorry. I won't take up too much of your time. Now do you have access to your emails at the moment by any chance? Okay. Yep. Yes. Perfect. So if you can click on that one for me, again, same as for the under review, clicking on the link, it just allows you to open up and look at everything first. So let me know if you can see the document. The first one should just say statement of advice and have your details on the cover page there. Yep. Beautiful. So, basically, every time we do make a recommendation, we have to put everything in a statement of advice for you. A lot of it is just compliance, but it's also to make sure that you fully understand everything. So I'll try to keep it as quickly as I can for you, but all the information is there so that you can have a good read over everything, essentially. Yeah. No. That's all good. Now on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under Oktui Financial. Now on this second page, it talks a little bit about the best interest duty. Have you ever heard of that before? Yep. Okay. Perfect. So, yeah, essentially, this means we have to act in your best interest at all time, and the adviser has to put you in a better position. So always have to make sure we we follow all of that. Now essentially for the recommendation so as you kind of scroll through, you will see some pages talking about scope of advice, which is page three. Essentially, this just refers to what we are looking at today. So, essentially, today, we're just looking at your superannuation, having a look at salary sacrifice for you, and then also revisit if we needed to make any changes in regards to your super investments. I have also just included some information in regards to setting up a will and a power of attorney. It is something I always recommend everyone to consider, so I have just included that for you as well. Otherwise, we're not making any changes to insurances or anything else. It is literally just a super to make it nice and easy. Now what the recommendation actually is is if you can scroll down so kind of as you scroll through, you'll see some personal information. You have your assets and liabilities again. You'll kind of outline your superinsurances like we touched on during the annual review. And then on page 10, you should have your risk profile. Yep. Beautiful. So we're not making any changes whatsoever in regards to the risk profile. We are keeping that at that balance growth. It's very suitable for you for where you are at in terms of time frame, but also a level that you are comfortable with. Focusing on growth for more like a steady growth, not taking on high risk or anything like that, but still very much focusing on growing your super at a steady pace. So not increasing risk, just literally changing a few things around for you. Yep. Beautiful. Now what the recommendation actually is is I often find it easier if you can scroll down through page 16 for me. The recommendation is kind of summarized in a little table. Yes. No. That is so cool. Especially this one because there's a lot of numbers kind of crammed into one page. So it can be a little bit like that. Now this basically outlines the recommendation. So part of the research, I also considered just your hub 24 just to make sure if that's still the best super fund for you at the moment. There's always new products and features that come out to the market, so it is good to do research just to make sure. There's nothing obviously tying us to have twenty four at all. So it's just kind of good to keep on top of everything just to make sure it's still the best option. And after doing research, it still very much is. So I have recommended that you stay in hub twenty four. It is very competitive when it comes to their fees and features and investment choices. And I do use HUB twenty four for my personal super as well. Yeah. Yes. So it's it's it's very good. So what I have recommended, which you can see here, is making a couple of changes to your investments and then adding the salary sacrifice. So, otherwise, not making any changes to insurances. So what that actually looks like from a fee saving point of view, if we start there with just your investment. So I have recommended some minor changes to your investments, which I will go through with you shortly. But what that looks like is that it's saving you about $483 per year in investment fees alone, which is pretty good. Yeah. Mhmm. Now you can also see the contribution is a little bit different, and that is introducing that salary sacrifice of a $100 per fortnight. So that still makes a pretty big difference. Now in the appendix, just so that you can see the comparison of just doing the investment switches but not introducing salary sacrifice, just so you can kind of have more like an apple to apple comparison, I have included that in the appendix, which is the second document to show you, and it still shows you a pretty big difference. Now if you look at the five year comparison down the bottom there, you can kind of see everything forecasted forward. Now this, aside from just the investment fees, also shows the improvement on the returns. So, again, making a couple of minor changes on your investments, you can see that when we are using a five year rolling average, which essentially just means that we are using, obviously, a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened in the market and the portfolio because you obviously can't guarantee performance or what's going to happen. But using that five year time, it gives us a little bit more certainty if that makes sense. Yep. Beautiful. So you can see that it is improving things a little bit. Not massive, but it's still making a difference of about 0.87%, which, again, compounding with the investment fee saving, it still makes a pretty big difference. So when we are looking at that five year period of time, you can see that the difference between the current and the recommended is about 35,766 when we are looking at a five year period. Now if we are then using exactly the same figures but keeping your contributions the same, so not introducing salary sacrifice, the difference would be 23,857. So it still makes a big difference, but, obviously, the more money you put in, the more you have to compound and grow. Yeah. Perfect. Now the one really good thing as well with the the few changes in the investments is that often when we are selling investments, if they have gone up, there will be capital gains tax associated when we do make a change. So similar to, like, an investment property, if you ever were to sell one, you obviously have the capital gains tax component. The same thing works in superannuation. It's all taken care of within the superannuation environment. So not something you'd ever have to pay for yourself or declare on a tax return, but it does happen. So we're obviously trying to minimize that as much as possible. So with a couple of minor changes I have recommended, it is estimated to be no capital gains tax for you, which is great. Yep. Now if I, for example, were to do a full sell down to change everything completely, it would have been about 5,482, which, obviously, we want to avoid. Yeah. Now any questions at all so far? Or that's pretty straightforward. Yeah. Okay. Beautiful. Now if you scroll down to one page below that, you can then see that I have included a little bit more in regards to the performance between the two portfolios. So if you look, you can see a twelve month, a three years, and a five years and ten year comparison. Now when we are looking at twelve, three, and five, the recommended portfolio has outperformed your current one. When we are looking in more long term ten years, your current one has performed a little bit better, but that's also been ten years. And, obviously, a lot happens and changed in the world. So just because something happened ten years ago doesn't necessarily mean it's gonna happen in the future. So we obviously consider it, but things do change. And the important thing is the more recent time frames, you can see that the the difference is kind of gradually increasing between the two portfolios. Yep. Beautiful. Now what that actually looks like in terms of the investments I have recommended that we change is on page 18, if you can see that. Yep. Yes. So this one here, it might look a little bit messy, but, basically, what it shows is the investment name, so what they are called. You have their kind of special little code. You then have a percentage of how much you currently have in those investment options, what that correlates through from a dollar value, and then you have the buy and sell column. So the buy and sell column, what you have in red is what we are selling or reducing your exposure to. And then what's in black, we are either increasing the exposure to or added to your portfolio. Does that make sense? Yep. Beautiful. So it is pretty straightforward. It's only two changes, really. So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity. Now this is the one I kind of touched on during the annual review that was underperforming a little bit and wanted to look at changing. So as a replacement of this one, I have recommended the one at the bottom that says beta shares Australia 200. Now because yeah. Now because we are then changing one Australian investment, we wanted to make sure we still have that Australian exposure. We don't wanna have too much overseas. We wanna make sure we we keep things diversified. So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia. So all the big companies are very diversified. And, obviously, if something were to happen to one company, it's not gonna impact things as much because you do have exposure to 200 investment options, but in that one single option. Yep. Beautiful. Whereas the Benelong one, they are kind of there's a lot less investments, and they are kind of buying and selling a lot more frequent based on what they kind of predict is going to happen. Whereas the a 200, it is kind of tracking the 200 largest. So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off. So that's where you do see a little bit of that saving in the fees because it's a little bit more kind of simplified, but also the performance has been better, which is great. The yeah. Now the other change I have recommended is the beta shift bank hybrid, and it's to sell out of that one and switch to another defensive fixed interest investment. The only reason as well is because the bank hybrid is gradually being phased out. And the other investment I have recommended is just the iShares core composite bond. So it's basically just changing it and having that defensive component still in your portfolio. It's just basically changing one for another one. Yep. Now the other ones that is red, it's where we are rebalancing your portfolio. So keeping the exposure, just rebalancing everything back into alignment. So, essentially, obviously, over time, different investments do perform differently, which obviously can cause your portfolio to kind of drift away from what it was intended for. So rebalancing basically just means that we are reproportioning everything back into alignment just to make sure that, obviously, everything continues to align with your risk profile, also your long term objectives rather than kind of becoming unintentionally more or less risky, if that makes sense. Yep. Perfect. So you can see even, for example, that the Global X battery tech and lithium, you currently have 8.07%. Just bringing that back to seven. The gold, 9.81, bringing that to seven. So it's just kind of you still have a good amount of exposure. It's just kind of rebalancing things for you. Any questions in regards to any of that? No? No. Beautiful. Now on the next page, you can then see just the cash account component. So that is page 19. Yep. So with Hub twenty four, they do have a minimum of 1.25% that needs to be in cash with all their accounts, and that is just to make sure that there's enough money that's liquid for, you know, any fees and stuff like that. Now we want to keep that of as close to that 1.25 as possible. It will fluctuate a little bit short term when you have contributions and stuff going in, but then everything gets rebalanced into your investment portfolio. But we wanna keep it, obviously, as close to that 1.25 as possible because the cash isn't gonna grow as much as your other investments. No. Now if you can then scroll to the next page, it says page 20. You should have a proposed asset allocation, and it's like a pie chart and a table. Yep. Beautiful. So what this one basically shows you is the risk profile. So on the second column, you can see your risk profile, which is sitting usually around that 70 to 30 split, about 70 growth, 30 defensive. It does change a little bit, obviously, with market prices and everything like that. But around that, you then have your existing, which is seventy two ninety nine growth, defensive, 27.01, and then you have your proposed, which is about $74.85, and defensive $25.15. So they're both still very much aligned with that balanced growth portfolio. Anything over 80 is then when you get to the next category. Yep. Does that make sense? Yep. Yep. Perfect. Now any questions before I kind of move on to show you the salary sacrifice? No. Yes. Yes. Okay. Perfect. Now with the salary sacrifice, I have showed you what that looks like on page 21. Now the good thing with salary sacrifice is that you can always change it with your employer as well depending on what's happening. So if it is that you start the $100 a fortnight, your cash flow or situation change, and you can't continue, you can always stop it and restart it whenever you want to as well. So it obviously gives you the flexibility. So it's not something you locked in through, and then that stays for the whole year. Now the really good thing with salary sacrifice is that it is a very tax effective way of boosting your superannuation. Because how it works is that contributions inside superannuation, it does get taxed, but at a discounted rate of 15 percent versus your marginal tax rate including that medical levy, which is about 39%. So that's kind of where you do get the big savings. Now how that actually changes things for you, you can see here on the little table. So you first have how it changes your salary. So your your current salary. So thank you so much for sending that through. That was great. The tax you pay, obviously, on the salary and then the net income. Now by salary is sacrificing a $100 per fortnight. The difference on a yearly basis is only really 1,586. So you will have less in your bank accounts over a year. So, obviously, something to consider. But over a year, it doesn't doesn't always make a massive difference. Sometimes when you think about a $100 a fortnight, you're like, oh, can I do that? But then when you look at it from after this net tax savings, it's sometimes more realistic than what you think. But, obviously, something to be yes. Exactly. Because the one thing to remind for love is, obviously, money that you put into superannuation, it is locked in until you meet a condition of release. So if you do end up doing the salary sacrifice and then you something happens and you need you need the money, it is locked in into a super until you meet that condition of release. So, obviously, something to remind for a lot of that, it's not money that you need access to anytime soon. So, obviously, something to be mindful of. Now what that actually then does to you super is on the kind of the second part of this table. So you can see that by salary sacrificing a $100 per fortnight because of kind of the tax changes, it will give you an additional 2,210 into super each year. So, basically, the difference is then $625, which does make a pretty big difference, and that's just the tax saving. Does that all make sense? Yep. Yep. Perfect. Now on the next pages, it kind of talks about basically what I just told you in terms of outlining the advantages. It's a very tax effective way to boosting your superannuation. You're obviously paying a lot less tax on that. But the disadvantage is, obviously, you will have less income available if you need to, and it is obviously locked until you meet a condition of release. One of the risks to be mindful of is obviously legislation changes. It's something we keep an eye on for you, but if anything were to change, we will let you know. And if also you decide that, oh, okay. I wanna do a thousand dollars for fortnight. Or if you wanna change it drastically, I'll say just let me know. Let me just run the math for you first because I don't want you to exceed that concessional cap of 32,500. Yeah. Beautiful. Now that was essentially everything. So as you scroll through, you will then see some information, like I mentioned, in regards to a will and also power of attorney. So I'll let you kind of have a read over that in your own time. Like I said, I do recommend it to everybody. Just have a read over it if it is something that you are interested in. Otherwise, there is no changes in regards to the fee structure. Like I mentioned during the annual review, it stays exactly the same, and there's no additional fees and charges whatsoever in regards to this advice piece or if you wanted to go ahead. That is all part of the ongoing service. Now do you have any questions in regards to anything, or what are your thoughts on all of this? Yeah. Okay. Beautiful. So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you are more than welcome to do so. If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally. It's the same as what you did for the annual review. It will ask you for your signature and your date. It should just be that one document that you are in. That will then send it back to me, and that lets me know that you are happy with the recommendation. I will let the team know, and then we'll go ahead and make these couple of changes for you. Yep. Beautiful. Now do you have any questions for me before I let you go and get back to your busy day otherwise? No. Yeah. Okay. Beautiful. Well, thank you so much for your time today, Larissa. It was lovely speaking with you. Anything you need, let me know. But, otherwise, I'll just keep a look at to see what you want to do. Yep. No no worries. 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afternoon, Lovisa. This is Veronica from Financial. How are you? That's okay. I was like, oh, hopefully, it's not my headset.\n\nI'll just try you again, but at least I can hear you now. I had you booked in. It is pretty quick today just to go over some research I did on your super investments and the salary sacrifice. Now is still a good time? Yep.\n\nPerfect. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Beautiful. And just to confirm I am speaking with the right person, could I also please get you to confirm your full name, date of birth, and address, please?\n\nPerfect. And how's your day been so far? Been busy? Yes. Oh, all the fun stuff.\n\nMhmm. Yeah. I don't know what that is. Yeah. Very busy.\n\nYeah. Yes. I will. I will for sure. Like I said, today is pretty straightforward.\n\nSorry. I won't take up too much of your time. Now do you have access to your emails at the moment by any chance? Okay. Yep.\n\nYes. Perfect. So if you can click on that one for me, again, same as for the under review, clicking on the link, it just allows you to open up and look at everything first. So let me know if you can see the document. The first one should just say statement of advice and have your details on the cover page there.\n\nYep. Beautiful. So, basically, every time we do make a recommendation, we have to put everything in a statement of advice for you. A lot of it is just compliance, but it's also to make sure that you fully understand everything. So I'll try to keep it as quickly as I can for you, but all the information is there so that you can have a good read over everything, essentially.\n\nYeah. No. That's all good. Now on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under Oktui Financial.\n\nNow on this second page, it talks a little bit about the best interest duty. Have you ever heard of that before? Yep. Okay. Perfect.\n\nSo, yeah, essentially, this means we have to act in your best interest at all time, and the adviser has to put you in a better position. So always have to make sure we we follow all of that. Now essentially for the recommendation so as you kind of scroll through, you will see some pages talking about scope of advice, which is page three. Essentially, this just refers to what we are looking at today. So, essentially, today, we're just looking at your superannuation, having a look at salary sacrifice for you, and then also revisit if we needed to make any changes in regards to your super investments.\n\nI have also just included some information in regards to setting up a will and a power of attorney. It is something I always recommend everyone to consider, so I have just included that for you as well. Otherwise, we're not making any changes to insurances or anything else. It is literally just a super to make it nice and easy. Now what the recommendation actually is is if you can scroll down so kind of as you scroll through, you'll see some personal information.\n\nYou have your assets and liabilities again. You'll kind of outline your superinsurances like we touched on during the annual review. And then on page 10, you should have your risk profile. Yep. Beautiful.\n\nSo we're not making any changes whatsoever in regards to the risk profile. We are keeping that at that balance growth. It's very suitable for you for where you are at in terms of time frame, but also a level that you are comfortable with. Focusing on growth for more like a steady growth, not taking on high risk or anything like that, but still very much focusing on growing your super at a steady pace. So not increasing risk, just literally changing a few things around for you.\n\nYep. Beautiful. Now what the recommendation actually is is I often find it easier if you can scroll down through page 16 for me. The recommendation is kind of summarized in a little table. Yes.\n\nNo. That is so cool. Especially this one because there's a lot of numbers kind of crammed into one page. So it can be a little bit like that. Now this basically outlines the recommendation.\n\nSo part of the research, I also considered just your hub 24 just to make sure if that's still the best super fund for you at the moment. There's always new products and features that come out to the market, so it is good to do research just to make sure. There's nothing obviously tying us to have twenty four at all. So it's just kind of good to keep on top of everything just to make sure it's still the best option. And after doing research, it still very much is.\n\nSo I have recommended that you stay in hub twenty four. It is very competitive when it comes to their fees and features and investment choices. And I do use HUB twenty four for my personal super as well. Yeah. Yes.\n\nSo it's it's it's very good. So what I have recommended, which you can see here, is making a couple of changes to your investments and then adding the salary sacrifice. So, otherwise, not making any changes to insurances. So what that actually looks like from a fee saving point of view, if we start there with just your investment. So I have recommended some minor changes to your investments, which I will go through with you shortly.\n\nBut what that looks like is that it's saving you about $483 per year in investment fees alone, which is pretty good. Yeah. Mhmm. Now you can also see the contribution is a little bit different, and that is introducing that salary sacrifice of a $100 per fortnight. So that still makes a pretty big difference.\n\nNow in the appendix, just so that you can see the comparison of just doing the investment switches but not introducing salary sacrifice, just so you can kind of have more like an apple to apple comparison, I have included that in the appendix, which is the second document to show you, and it still shows you a pretty big difference. Now if you look at the five year comparison down the bottom there, you can kind of see everything forecasted forward. Now this, aside from just the investment fees, also shows the improvement on the returns. So, again, making a couple of minor changes on your investments, you can see that when we are using a five year rolling average, which essentially just means that we are using, obviously, a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened in the market and the portfolio because you obviously can't guarantee performance or what's going to happen. But using that five year time, it gives us a little bit more certainty if that makes sense.\n\nYep. Beautiful. So you can see that it is improving things a little bit. Not massive, but it's still making a difference of about 0.87%, which, again, compounding with the investment fee saving, it still makes a pretty big difference. So when we are looking at that five year period of time, you can see that the difference between the current and the recommended is about 35,766 when we are looking at a five year period.\n\nNow if we are then using exactly the same figures but keeping your contributions the same, so not introducing salary sacrifice, the difference would be 23,857. So it still makes a big difference, but, obviously, the more money you put in, the more you have to compound and grow. Yeah. Perfect. Now the one really good thing as well with the the few changes in the investments is that often when we are selling investments, if they have gone up, there will be capital gains tax associated when we do make a change.\n\nSo similar to, like, an investment property, if you ever were to sell one, you obviously have the capital gains tax component. The same thing works in superannuation. It's all taken care of within the superannuation environment. So not something you'd ever have to pay for yourself or declare on a tax return, but it does happen. So we're obviously trying to minimize that as much as possible.\n\nSo with a couple of minor changes I have recommended, it is estimated to be no capital gains tax for you, which is great. Yep. Now if I, for example, were to do a full sell down to change everything completely, it would have been about 5,482, which, obviously, we want to avoid. Yeah. Now any questions at all so far?\n\nOr that's pretty straightforward. Yeah. Okay. Beautiful. Now if you scroll down to one page below that, you can then see that I have included a little bit more in regards to the performance between the two portfolios.\n\nSo if you look, you can see a twelve month, a three years, and a five years and ten year comparison. Now when we are looking at twelve, three, and five, the recommended portfolio has outperformed your current one. When we are looking in more long term ten years, your current one has performed a little bit better, but that's also been ten years. And, obviously, a lot happens and changed in the world. So just because something happened ten years ago doesn't necessarily mean it's gonna happen in the future.\n\nSo we obviously consider it, but things do change. And the important thing is the more recent time frames, you can see that the the difference is kind of gradually increasing between the two portfolios. Yep. Beautiful. Now what that actually looks like in terms of the investments I have recommended that we change is on page 18, if you can see that.\n\nYep. Yes. So this one here, it might look a little bit messy, but, basically, what it shows is the investment name, so what they are called. You have their kind of special little code. You then have a percentage of how much you currently have in those investment options, what that correlates through from a dollar value, and then you have the buy and sell column.\n\nSo the buy and sell column, what you have in red is what we are selling or reducing your exposure to. And then what's in black, we are either increasing the exposure to or added to your portfolio. Does that make sense? Yep. Beautiful.\n\nSo it is pretty straightforward. It's only two changes, really. So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity. Now this is the one I kind of touched on during the annual review that was underperforming a little bit and wanted to look at changing. So as a replacement of this one, I have recommended the one at the bottom that says beta shares Australia 200.\n\nNow because yeah. Now because we are then changing one Australian investment, we wanted to make sure we still have that Australian exposure. We don't wanna have too much overseas. We wanna make sure we we keep things diversified. So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia.\n\nSo all the big companies are very diversified. And, obviously, if something were to happen to one company, it's not gonna impact things as much because you do have exposure to 200 investment options, but in that one single option. Yep. Beautiful. Whereas the Benelong one, they are kind of there's a lot less investments, and they are kind of buying and selling a lot more frequent based on what they kind of predict is going to happen.\n\nWhereas the a 200, it is kind of tracking the 200 largest. So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off. So that's where you do see a little bit of that saving in the fees because it's a little bit more kind of simplified, but also the performance has been better, which is great. The yeah. Now the other change I have recommended is the beta shift bank hybrid, and it's to sell out of that one and switch to another defensive fixed interest investment.\n\nThe only reason as well is because the bank hybrid is gradually being phased out. And the other investment I have recommended is just the iShares core composite bond. So it's basically just changing it and having that defensive component still in your portfolio. It's just basically changing one for another one. Yep.\n\nNow the other ones that is red, it's where we are rebalancing your portfolio. So keeping the exposure, just rebalancing everything back into alignment. So, essentially, obviously, over time, different investments do perform differently, which obviously can cause your portfolio to kind of drift away from what it was intended for. So rebalancing basically just means that we are reproportioning everything back into alignment just to make sure that, obviously, everything continues to align with your risk profile, also your long term objectives rather than kind of becoming unintentionally more or less risky, if that makes sense. Yep.\n\nPerfect. So you can see even, for example, that the Global X battery tech and lithium, you currently have 8.07%. Just bringing that back to seven. The gold, 9.81, bringing that to seven. So it's just kind of you still have a good amount of exposure.\n\nIt's just kind of rebalancing things for you. Any questions in regards to any of that? No? No. Beautiful.\n\nNow on the next page, you can then see just the cash account component. So that is page 19. Yep. So with Hub twenty four, they do have a minimum of 1.25% that needs to be in cash with all their accounts, and that is just to make sure that there's enough money that's liquid for, you know, any fees and stuff like that. Now we want to keep that of as close to that 1.25 as possible.\n\nIt will fluctuate a little bit short term when you have contributions and stuff going in, but then everything gets rebalanced into your investment portfolio. But we wanna keep it, obviously, as close to that 1.25 as possible because the cash isn't gonna grow as much as your other investments. No. Now if you can then scroll to the next page, it says page 20. You should have a proposed asset allocation, and it's like a pie chart and a table.\n\nYep. Beautiful. So what this one basically shows you is the risk profile. So on the second column, you can see your risk profile, which is sitting usually around that 70 to 30 split, about 70 growth, 30 defensive. It does change a little bit, obviously, with market prices and everything like that.\n\nBut around that, you then have your existing, which is seventy two ninety nine growth, defensive, 27.01, and then you have your proposed, which is about $74.85, and defensive $25.15. So they're both still very much aligned with that balanced growth portfolio. Anything over 80 is then when you get to the next category. Yep. Does that make sense?\n\nYep. Yep. Perfect. Now any questions before I kind of move on to show you the salary sacrifice? No.\n\nYes. Yes. Okay. Perfect. Now with the salary sacrifice, I have showed you what that looks like on page 21.\n\nNow the good thing with salary sacrifice is that you can always change it with your employer as well depending on what's happening. So if it is that you start the $100 a fortnight, your cash flow or situation change, and you can't continue, you can always stop it and restart it whenever you want to as well. So it obviously gives you the flexibility. So it's not something you locked in through, and then that stays for the whole year. Now the really good thing with salary sacrifice is that it is a very tax effective way of boosting your superannuation.\n\nBecause how it works is that contributions inside superannuation, it does get taxed, but at a discounted rate of 15 percent versus your marginal tax rate including that medical levy, which is about 39%. So that's kind of where you do get the big savings. Now how that actually changes things for you, you can see here on the little table. So you first have how it changes your salary. So your your current salary.\n\nSo thank you so much for sending that through. That was great. The tax you pay, obviously, on the salary and then the net income. Now by salary is sacrificing a $100 per fortnight. The difference on a yearly basis is only really 1,586.\n\nSo you will have less in your bank accounts over a year. So, obviously, something to consider. But over a year, it doesn't doesn't always make a massive difference. Sometimes when you think about a $100 a fortnight, you're like, oh, can I do that? But then when you look at it from after this net tax savings, it's sometimes more realistic than what you think.\n\nBut, obviously, something to be yes. Exactly. Because the one thing to remind for love is, obviously, money that you put into superannuation, it is locked in until you meet a condition of release. So if you do end up doing the salary sacrifice and then you something happens and you need you need the money, it is locked in into a super until you meet that condition of release. So, obviously, something to remind for a lot of that, it's not money that you need access to anytime soon.\n\nSo, obviously, something to be mindful of. Now what that actually then does to you super is on the kind of the second part of this table. So you can see that by salary sacrificing a $100 per fortnight because of kind of the tax changes, it will give you an additional 2,210 into super each year. So, basically, the difference is then $625, which does make a pretty big difference, and that's just the tax saving. Does that all make sense?\n\nYep. Yep. Perfect. Now on the next pages, it kind of talks about basically what I just told you in terms of outlining the advantages. It's a very tax effective way to boosting your superannuation.\n\nYou're obviously paying a lot less tax on that. But the disadvantage is, obviously, you will have less income available if you need to, and it is obviously locked until you meet a condition of release. One of the risks to be mindful of is obviously legislation changes. It's something we keep an eye on for you, but if anything were to change, we will let you know. And if also you decide that, oh, okay.\n\nI wanna do a thousand dollars for fortnight. Or if you wanna change it drastically, I'll say just let me know. Let me just run the math for you first because I don't want you to exceed that concessional cap of 32,500. Yeah. Beautiful.\n\nNow that was essentially everything. So as you scroll through, you will then see some information, like I mentioned, in regards to a will and also power of attorney. So I'll let you kind of have a read over that in your own time. Like I said, I do recommend it to everybody. Just have a read over it if it is something that you are interested in.\n\nOtherwise, there is no changes in regards to the fee structure. Like I mentioned during the annual review, it stays exactly the same, and there's no additional fees and charges whatsoever in regards to this advice piece or if you wanted to go ahead. That is all part of the ongoing service. Now do you have any questions in regards to anything, or what are your thoughts on all of this? Yeah.\n\nOkay. Beautiful. So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you are more than welcome to do so. If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally. It's the same as what you did for the annual review.\n\nIt will ask you for your signature and your date. It should just be that one document that you are in. That will then send it back to me, and that lets me know that you are happy with the recommendation. I will let the team know, and then we'll go ahead and make these couple of changes for you. Yep.\n\nBeautiful. Now do you have any questions for me before I let you go and get back to your busy day otherwise? No. Yeah. Okay.\n\nBeautiful. Well, thank you so much for your time today, Larissa. It was lovely speaking with you. Anything you need, let me know. But, otherwise, I'll just keep a look at to see what you want to do.\n\nYep. No no worries. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Lovisa.","start":3.28,"end":4.48,"sentiment":"neutral","sentiment_score":0.3180507818857829},{"text":"This is Veronica from Financial.","start":4.48,"end":6.02,"sentiment":"neutral","sentiment_score":0.2479886680841446},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1975216567516327},{"text":"That's okay.","start":19.015,"end":19.995,"sentiment":"neutral","sentiment_score":-0.08211687207221985},{"text":"I was like, oh, hopefully, it's not my headset.","start":20.375,"end":22.555,"sentiment":"neutral","sentiment_score":-0.1557111500038041}],"sentiment":"neutral","sentiment_score":0.05550120737064968,"num_words":22,"start":3.28,"end":22.555},{"sentences":[{"text":"I'll just try you again, but at least I can hear you now.","start":23.015,"end":26.475,"sentiment":"neutral","sentiment_score":-0.023421553178475454},{"text":"I had you booked in.","start":27.575,"end":29.0,"sentiment":"neutral","sentiment_score":0.05576469525694847},{"text":"It is pretty quick today just to go over some research I did on your super investments and the salary sacrifice.","start":29.14,"end":34.84,"sentiment":"neutral","sentiment_score":0.1554272554460026},{"text":"Now is still a good time?","start":34.9,"end":36.2,"sentiment":"neutral","sentiment_score":0.1447693444788456},{"text":"Yep.","start":37.06,"end":37.56,"sentiment":"neutral","sentiment_score":0.20702283084392548}],"sentiment":"neutral","sentiment_score":0.09378162058799164,"num_words":46,"start":23.015,"end":37.56},{"sentences":[{"text":"Perfect.","start":37.62,"end":38.12,"sentiment":"positive","sentiment_score":0.4913141131401062},{"text":"Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":39.3,"end":47.965,"sentiment":"neutral","sentiment_score":0.0658775280462578},{"text":"Yep.","start":49.145,"end":49.465,"sentiment":"neutral","sentiment_score":0.188057541847229},{"text":"Beautiful.","start":49.465,"end":49.965,"sentiment":"positive","sentiment_score":0.4443715810775757},{"text":"And just to confirm I am speaking with the right person, could I also please get you to confirm your full name, date of birth, and address, please?","start":50.425,"end":58.06,"sentiment":"neutral","sentiment_score":0.1095513507191624}],"sentiment":"neutral","sentiment_score":0.09998828497907472,"num_words":63,"start":37.62,"end":58.06},{"sentences":[{"text":"Perfect.","start":68.28,"end":68.625,"sentiment":"neutral","sentiment_score":0.30385178327560425},{"text":"And how's your day been so far?","start":68.785,"end":70.145,"sentiment":"neutral","sentiment_score":0.12074855502162661},{"text":"Been busy?","start":70.145,"end":70.965,"sentiment":"neutral","sentiment_score":0.0016716141253709776},{"text":"Yes.","start":73.265,"end":73.765,"sentiment":"neutral","sentiment_score":0.048370882868766785},{"text":"Oh, all the fun stuff.","start":75.745,"end":77.525,"sentiment":"neutral","sentiment_score":0.0972444873303175}],"sentiment":"neutral","sentiment_score":0.10543926351238042,"num_words":16,"start":68.28,"end":77.525},{"sentences":[{"text":"Mhmm.","start":81.025,"end":81.525,"sentiment":"neutral","sentiment_score":-0.01759887859225273},{"text":"Yeah.","start":83.665,"end":83.985,"sentiment":"neutral","sentiment_score":-0.03197261318564415},{"text":"I don't know what that is.","start":83.985,"end":85.310005,"sentiment":"neutral","sentiment_score":-0.07039702435334523},{"text":"Yeah.","start":90.17,"end":90.67,"sentiment":"neutral","sentiment_score":-0.022178471088409424},{"text":"Very busy.","start":93.450005,"end":94.270004,"sentiment":"neutral","sentiment_score":-0.10182269290089607}],"sentiment":"neutral","sentiment_score":-0.06343431770801544,"num_words":11,"start":81.025,"end":94.270004},{"sentences":[{"text":"Yeah.","start":94.97,"end":95.47,"sentiment":"neutral","sentiment_score":0.025689825415611267},{"text":"Yes.","start":96.25,"end":96.585,"sentiment":"neutral","sentiment_score":0.11228612065315248},{"text":"I will.","start":99.545,"end":100.025,"sentiment":"neutral","sentiment_score":0.10829570144414902},{"text":"I will for sure.","start":100.025,"end":101.325,"sentiment":"neutral","sentiment_score":0.09018474817276001},{"text":"Like I said, today is pretty straightforward.","start":102.585,"end":104.445,"sentiment":"neutral","sentiment_score":0.14257718090500152}],"sentiment":"neutral","sentiment_score":0.11422310719887416,"num_words":15,"start":94.97,"end":104.445},{"sentences":[{"text":"Sorry.","start":104.825,"end":105.325,"sentiment":"neutral","sentiment_score":-0.11546625196933746},{"text":"I won't take up too much of your time.","start":105.465,"end":107.805,"sentiment":"neutral","sentiment_score":-0.19092169486814076},{"text":"Now do you have access to your emails at the moment by any chance?","start":109.145,"end":114.649994,"sentiment":"neutral","sentiment_score":0.020737189733024155},{"text":"Okay.","start":115.909996,"end":116.409996,"sentiment":"neutral","sentiment_score":0.054604437202215195},{"text":"Yep.","start":119.509995,"end":120.009995,"sentiment":"neutral","sentiment_score":0.09058334678411484}],"sentiment":"neutral","sentiment_score":-0.05377896405899754,"num_words":26,"start":104.825,"end":120.009995},{"sentences":[{"text":"Yes.","start":121.03,"end":121.53,"sentiment":"neutral","sentiment_score":0.27068209648132324},{"text":"Perfect.","start":121.67,"end":122.17,"sentiment":"positive","sentiment_score":0.5410741567611694},{"text":"So if you can click on that one for me, again, same as for the under review, clicking on the link, it just allows you to open up and look at everything first.","start":122.31,"end":131.465,"sentiment":"neutral","sentiment_score":0.1528263142840429},{"text":"So let me know if you can see the document.","start":133.685,"end":136.905,"sentiment":"neutral","sentiment_score":0.07958135828375816},{"text":"The first one should just say statement of advice and have your details on the cover page there.","start":137.125,"end":143.66,"sentiment":"neutral","sentiment_score":0.04600282892998722}],"sentiment":"neutral","sentiment_score":0.11871252584433745,"num_words":63,"start":121.03,"end":143.66},{"sentences":[{"text":"Yep.","start":144.6,"end":145.0,"sentiment":"neutral","sentiment_score":0.2764222025871277},{"text":"Beautiful.","start":145.0,"end":145.5,"sentiment":"positive","sentiment_score":0.5772601366043091},{"text":"So, basically, every time we do make a recommendation, we have to put everything in a statement of advice for you.","start":145.96,"end":153.18001,"sentiment":"neutral","sentiment_score":0.20913446233386085},{"text":"A lot of it is just compliance, but it's also to make sure that you fully understand everything.","start":153.46501,"end":158.285,"sentiment":"neutral","sentiment_score":0.14959338679909706},{"text":"So I'll try to keep it as quickly as I can for you, but all the information is there so that you can have a good read over everything, essentially.","start":158.425,"end":166.04501,"sentiment":"neutral","sentiment_score":0.2125603586435318}],"sentiment":"neutral","sentiment_score":0.20161968689989035,"num_words":71,"start":144.6,"end":166.04501},{"sentences":[{"text":"Yeah.","start":169.05,"end":169.53,"sentiment":"neutral","sentiment_score":0.13789035379886627},{"text":"No.","start":169.53,"end":169.77,"sentiment":"neutral","sentiment_score":0.0998845249414444},{"text":"That's all good.","start":169.77,"end":170.49,"sentiment":"neutral","sentiment_score":0.15384671340386072},{"text":"Now on the cover page, you can also see my details.","start":170.49,"end":173.07,"sentiment":"neutral","sentiment_score":0.06549078767949884},{"text":"You can see my authorized representative number listed, and I am licensed under Oktui Financial.","start":173.13,"end":179.47,"sentiment":"neutral","sentiment_score":0.05940185288588206}],"sentiment":"neutral","sentiment_score":0.07454004763595519,"num_words":31,"start":169.05,"end":179.47},{"sentences":[{"text":"Now on this second page, it talks a little bit about the best interest duty.","start":180.41,"end":184.955,"sentiment":"neutral","sentiment_score":0.029680666327476502},{"text":"Have you ever heard of that before?","start":184.955,"end":186.495,"sentiment":"neutral","sentiment_score":0.006479968316853046},{"text":"Yep.","start":189.035,"end":189.355,"sentiment":"neutral","sentiment_score":0.07460364699363708},{"text":"Okay.","start":189.355,"end":189.755,"sentiment":"neutral","sentiment_score":0.14525356888771057},{"text":"Perfect.","start":189.755,"end":190.155,"sentiment":"neutral","sentiment_score":0.236025869846344}],"sentiment":"neutral","sentiment_score":0.03785811435431242,"num_words":25,"start":180.41,"end":190.155},{"sentences":[{"text":"So, yeah, essentially, this means we have to act in your best interest at all time, and the adviser has to put you in a better position.","start":190.155,"end":196.495,"sentiment":"neutral","sentiment_score":0.06473357078653795},{"text":"So always have to make sure we we follow all of that.","start":196.715,"end":200.0,"sentiment":"neutral","sentiment_score":0.1013149805366993},{"text":"Now essentially for the recommendation so as you kind of scroll through, you will see some pages talking about scope of advice, which is page three.","start":200.54001,"end":209.36,"sentiment":"neutral","sentiment_score":0.06121874170807692},{"text":"Essentially, this just refers to what we are looking at today.","start":210.14,"end":213.485,"sentiment":"neutral","sentiment_score":0.0633604766970331},{"text":"So, essentially, today, we're just looking at your superannuation, having a look at salary sacrifice for you, and then also revisit if we needed to make any changes in regards to your super investments.","start":213.545,"end":225.88501,"sentiment":"neutral","sentiment_score":0.0639320117804934}],"sentiment":"neutral","sentiment_score":0.0675084282390096,"num_words":110,"start":190.155,"end":225.88501},{"sentences":[{"text":"I have also just included some information in regards to setting up a will and a power of attorney.","start":226.89,"end":233.15001,"sentiment":"neutral","sentiment_score":0.19608172695887716},{"text":"It is something I always recommend everyone to consider, so I have just included that for you as well.","start":233.93001,"end":240.255,"sentiment":"positive","sentiment_score":0.4591733836813977},{"text":"Otherwise, we're not making any changes to insurances or anything else.","start":240.915,"end":244.435,"sentiment":"neutral","sentiment_score":0.21831502359021793},{"text":"It is literally just a super to make it nice and easy.","start":244.435,"end":248.295,"sentiment":"positive","sentiment_score":0.630981370806694},{"text":"Now what the recommendation actually is is if you can scroll down so kind of as you scroll through, you'll see some personal information.","start":249.315,"end":257.95,"sentiment":"neutral","sentiment_score":0.17534991446882486}],"sentiment":"neutral","sentiment_score":0.3133116089245852,"num_words":85,"start":226.89,"end":257.95},{"sentences":[{"text":"You have your assets and liabilities again.","start":258.57,"end":260.73,"sentiment":"neutral","sentiment_score":0.10676441235201699},{"text":"You'll kind of outline your superinsurances like we touched on during the annual review.","start":260.73,"end":265.15,"sentiment":"neutral","sentiment_score":0.14940958097577095},{"text":"And then on page 10, you should have your risk profile.","start":265.61002,"end":269.445,"sentiment":"neutral","sentiment_score":0.09730367972092195},{"text":"Yep.","start":271.685,"end":272.185,"sentiment":"neutral","sentiment_score":0.26843154430389404},{"text":"Beautiful.","start":272.565,"end":273.065,"sentiment":"positive","sentiment_score":0.5109930038452148}],"sentiment":"neutral","sentiment_score":0.13790735427071066,"num_words":34,"start":258.57,"end":273.065},{"sentences":[{"text":"So we're not making any changes whatsoever in regards to the risk profile.","start":273.285,"end":277.385,"sentiment":"neutral","sentiment_score":0.017767435083022483},{"text":"We are keeping that at that balance growth.","start":277.685,"end":279.92502,"sentiment":"neutral","sentiment_score":0.20948875974863768},{"text":"It's very suitable for you for where you are at in terms of time frame, but also a level that you are comfortable with.","start":279.92502,"end":285.91,"sentiment":"neutral","sentiment_score":0.2860787119716406},{"text":"Focusing on growth for more like a steady growth, not taking on high risk or anything like that, but still very much focusing on growing your super at a steady pace.","start":286.29,"end":295.41,"sentiment":"neutral","sentiment_score":0.18831579026675993},{"text":"So not increasing risk, just literally changing a few things around for you.","start":295.41,"end":299.805,"sentiment":"neutral","sentiment_score":0.1356574044777797}],"sentiment":"neutral","sentiment_score":0.18397878177380295,"num_words":89,"start":273.285,"end":299.805},{"sentences":[{"text":"Yep.","start":301.705,"end":302.205,"sentiment":"positive","sentiment_score":0.4306802749633789},{"text":"Beautiful.","start":302.26498,"end":302.76498,"sentiment":"positive","sentiment_score":0.621977686882019},{"text":"Now what the recommendation actually is is I often find it easier if you can scroll down through page 16 for me.","start":303.22498,"end":314.84,"sentiment":"neutral","sentiment_score":0.23588265681808646},{"text":"The recommendation is kind of summarized in a little table.","start":314.90002,"end":318.84,"sentiment":"neutral","sentiment_score":0.1745755895972252},{"text":"Yes.","start":324.1,"end":324.6,"sentiment":"neutral","sentiment_score":-0.022730454802513123}],"sentiment":"neutral","sentiment_score":0.2275743386575154,"num_words":35,"start":301.705,"end":324.6},{"sentences":[{"text":"No.","start":329.245,"end":329.485,"sentiment":"neutral","sentiment_score":-0.12261156737804411},{"text":"That is so cool.","start":329.485,"end":330.445,"sentiment":"neutral","sentiment_score":0.01398731954395771},{"text":"Especially this one because there's a lot of numbers kind of crammed into one page.","start":330.445,"end":334.065,"sentiment":"neutral","sentiment_score":0.03298209235072136},{"text":"So it can be a little bit like that.","start":334.365,"end":336.705,"sentiment":"neutral","sentiment_score":0.05246981523103184},{"text":"Now this basically outlines the recommendation.","start":336.76498,"end":339.025,"sentiment":"neutral","sentiment_score":0.12032706787188847}],"sentiment":"neutral","sentiment_score":0.04635028115340641,"num_words":35,"start":329.245,"end":339.025},{"sentences":[{"text":"So part of the research, I also considered just your hub 24 just to make sure if that's still the best super fund for you at the moment.","start":339.47,"end":347.31003,"sentiment":"neutral","sentiment_score":0.1316610686480999},{"text":"There's always new products and features that come out to the market, so it is good to do research just to make sure.","start":347.31003,"end":353.63,"sentiment":"neutral","sentiment_score":0.21219513030803722},{"text":"There's nothing obviously tying us to have twenty four at all.","start":353.63,"end":356.475,"sentiment":"neutral","sentiment_score":0.1932454908435995},{"text":"So it's just kind of good to keep on top of everything just to make sure it's still the best option.","start":356.475,"end":361.055,"sentiment":"positive","sentiment_score":0.49558180002939134},{"text":"And after doing research, it still very much is.","start":361.835,"end":364.635,"sentiment":"positive","sentiment_score":0.39833367533153957}],"sentiment":"neutral","sentiment_score":0.26831433909904695,"num_words":92,"start":339.47,"end":364.635},{"sentences":[{"text":"So I have recommended that you stay in hub twenty four.","start":364.635,"end":367.835,"sentiment":"positive","sentiment_score":0.4838023294102062},{"text":"It is very competitive when it comes to their fees and features and investment choices.","start":367.835,"end":372.21,"sentiment":"positive","sentiment_score":0.5996762216091156},{"text":"And I do use HUB twenty four for my personal super as well.","start":372.66998,"end":376.21,"sentiment":"positive","sentiment_score":0.38792014580506545},{"text":"Yeah.","start":379.31,"end":379.81,"sentiment":"positive","sentiment_score":0.48530876636505127},{"text":"Yes.","start":381.94998,"end":382.44998,"sentiment":"positive","sentiment_score":0.6268069744110107}],"sentiment":"positive","sentiment_score":0.49931820936319304,"num_words":41,"start":364.635,"end":382.44998},{"sentences":[{"text":"So it's it's it's very good.","start":382.51,"end":384.51,"sentiment":"positive","sentiment_score":0.75567560394605},{"text":"So what I have recommended, which you can see here, is making a couple of changes to your investments and then adding the salary sacrifice.","start":384.51,"end":394.935,"sentiment":"neutral","sentiment_score":0.13142447143793107},{"text":"So, otherwise, not making any changes to insurances.","start":395.155,"end":397.5,"sentiment":"neutral","sentiment_score":0.02935315133072436},{"text":"So what that actually looks like from a fee saving point of view, if we start there with just your investment.","start":397.5,"end":405.2,"sentiment":"neutral","sentiment_score":0.1489006227680615},{"text":"So I have recommended some minor changes to your investments, which I will go through with you shortly.","start":405.5,"end":411.095,"sentiment":"neutral","sentiment_score":0.17657536889115968}],"sentiment":"neutral","sentiment_score":0.18409949151846844,"num_words":78,"start":382.51,"end":411.095},{"sentences":[{"text":"But what that looks like is that it's saving you about $483 per year in investment fees alone, which is pretty good.","start":411.635,"end":421.415,"sentiment":"positive","sentiment_score":0.4104381569407203},{"text":"Yeah.","start":423.795,"end":424.195,"sentiment":"neutral","sentiment_score":0.17180098593235016},{"text":"Mhmm.","start":424.195,"end":424.695,"sentiment":"neutral","sentiment_score":0.1314990073442459},{"text":"Now you can also see the contribution is a little bit different, and that is introducing that salary sacrifice of a $100 per fortnight.","start":425.03998,"end":434.65997,"sentiment":"neutral","sentiment_score":0.13350709062069654},{"text":"So that still makes a pretty big difference.","start":435.59998,"end":438.65997,"sentiment":"neutral","sentiment_score":0.1703373808413744}],"sentiment":"neutral","sentiment_score":0.2482108690642885,"num_words":56,"start":411.635,"end":438.65997},{"sentences":[{"text":"Now in the appendix, just so that you can see the comparison of just doing the investment switches but not introducing salary sacrifice, just so you can kind of have more like an apple to apple comparison, I have included that in the appendix, which is the second document to show you, and it still shows you a pretty big difference.","start":438.87997,"end":460.94,"sentiment":"neutral","sentiment_score":0.1337331123650074},{"text":"Now if you look at the five year comparison down the bottom there, you can kind of see everything forecasted forward.","start":461.32,"end":469.365,"sentiment":"neutral","sentiment_score":0.2277462553410303},{"text":"Now this, aside from just the investment fees, also shows the improvement on the returns.","start":469.905,"end":477.205,"sentiment":"positive","sentiment_score":0.3715490678946177},{"text":"So, again, making a couple of minor changes on your investments, you can see that when we are using a five year rolling average, which essentially just means that we are using, obviously, a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened in the market and the portfolio because you obviously can't guarantee performance or what's going to happen.","start":477.82498,"end":502.245,"sentiment":"neutral","sentiment_score":0.1110913708413902},{"text":"But using that five year time, it gives us a little bit more certainty if that makes sense.","start":502.545,"end":507.285,"sentiment":"neutral","sentiment_score":0.16108788177371025}],"sentiment":"neutral","sentiment_score":0.1563149386948628,"num_words":191,"start":438.87997,"end":507.285},{"sentences":[{"text":"Yep.","start":508.70502,"end":509.105,"sentiment":"neutral","sentiment_score":0.2614710330963135},{"text":"Beautiful.","start":509.105,"end":509.605,"sentiment":"positive","sentiment_score":0.6708623170852661},{"text":"So you can see that it is improving things a little bit.","start":510.225,"end":513.34503,"sentiment":"positive","sentiment_score":0.4681761885682742},{"text":"Not massive, but it's still making a difference of about 0.87%, which, again, compounding with the investment fee saving, it still makes a pretty big difference.","start":513.34503,"end":523.79,"sentiment":"positive","sentiment_score":0.36816346186857957},{"text":"So when we are looking at that five year period of time, you can see that the difference between the current and the recommended is about 35,766 when we are looking at a five year period.","start":525.85,"end":539.765,"sentiment":"neutral","sentiment_score":0.12119232977016105}],"sentiment":"neutral","sentiment_score":0.2695476512277597,"num_words":76,"start":508.70502,"end":539.765},{"sentences":[{"text":"Now if we are then using exactly the same figures but keeping your contributions the same, so not introducing salary sacrifice, the difference would be 23,857.","start":540.065,"end":553.72003,"sentiment":"neutral","sentiment_score":0.12537958472967148},{"text":"So it still makes a big difference, but, obviously, the more money you put in, the more you have to compound and grow.","start":555.46,"end":562.115,"sentiment":"neutral","sentiment_score":0.12251617500315541},{"text":"Yeah.","start":563.775,"end":564.175,"sentiment":"neutral","sentiment_score":0.2721812129020691},{"text":"Perfect.","start":564.175,"end":564.675,"sentiment":"positive","sentiment_score":0.47401222586631775},{"text":"Now the one really good thing as well with the the few changes in the investments is that often when we are selling investments, if they have gone up, there will be capital gains tax associated when we do make a change.","start":565.135,"end":579.57,"sentiment":"neutral","sentiment_score":0.17451593297578039}],"sentiment":"neutral","sentiment_score":0.1521892887289806,"num_words":93,"start":540.065,"end":579.57},{"sentences":[{"text":"So similar to, like, an investment property, if you ever were to sell one, you obviously have the capital gains tax component.","start":580.02997,"end":586.13,"sentiment":"neutral","sentiment_score":0.100331745703112},{"text":"The same thing works in superannuation.","start":586.90497,"end":589.08496,"sentiment":"neutral","sentiment_score":0.23178023348251978},{"text":"It's all taken care of within the superannuation environment.","start":589.545,"end":593.08496,"sentiment":"neutral","sentiment_score":0.2745859937535392},{"text":"So not something you'd ever have to pay for yourself or declare on a tax return, but it does happen.","start":593.70496,"end":600.54,"sentiment":"neutral","sentiment_score":0.10161601155996322},{"text":"So we're obviously trying to minimize that as much as possible.","start":600.54,"end":603.36,"sentiment":"neutral","sentiment_score":0.15420430830933832}],"sentiment":"neutral","sentiment_score":0.1440856084227562,"num_words":68,"start":580.02997,"end":603.36},{"sentences":[{"text":"So with a couple of minor changes I have recommended, it is estimated to be no capital gains tax for you, which is great.","start":603.98,"end":611.6,"sentiment":"positive","sentiment_score":0.47481582189599675},{"text":"Yep.","start":612.86,"end":613.36,"sentiment":"neutral","sentiment_score":0.1302969753742218},{"text":"Now if I, for example, were to do a full sell down to change everything completely, it would have been about 5,482, which, obviously, we want to avoid.","start":613.82495,"end":623.76495,"sentiment":"neutral","sentiment_score":-0.23350579451237405},{"text":"Yeah.","start":625.26495,"end":625.76495,"sentiment":"neutral","sentiment_score":0.08541174232959747},{"text":"Now any questions at all so far?","start":626.99,"end":629.14996,"sentiment":"neutral","sentiment_score":0.10284287588936943}],"sentiment":"neutral","sentiment_score":0.09496764472273529,"num_words":61,"start":603.98,"end":629.14996},{"sentences":[{"text":"Or that's pretty straightforward.","start":629.14996,"end":630.77,"sentiment":"neutral","sentiment_score":0.11947083938866854},{"text":"Yeah.","start":634.75,"end":635.07,"sentiment":"neutral","sentiment_score":0.16912394762039185},{"text":"Okay.","start":635.07,"end":635.57,"sentiment":"neutral","sentiment_score":0.27342987060546875},{"text":"Beautiful.","start":635.63,"end":636.13,"sentiment":"positive","sentiment_score":0.5122895836830139},{"text":"Now if you scroll down to one page below that, you can then see that I have included a little bit more in regards to the performance between the two portfolios.","start":637.23,"end":646.825,"sentiment":"neutral","sentiment_score":0.17371821427537548}],"sentiment":"neutral","sentiment_score":0.17942082636842602,"num_words":38,"start":629.14996,"end":646.825},{"sentences":[{"text":"So if you look, you can see a twelve month, a three years, and a five years and ten year comparison.","start":647.765,"end":654.10504,"sentiment":"neutral","sentiment_score":0.10653130639167059},{"text":"Now when we are looking at twelve, three, and five, the recommended portfolio has outperformed your current one.","start":654.97,"end":661.79,"sentiment":"neutral","sentiment_score":0.24996633330980936},{"text":"When we are looking in more long term ten years, your current one has performed a little bit better, but that's also been ten years.","start":662.01,"end":670.465,"sentiment":"neutral","sentiment_score":0.08801561042666435},{"text":"And, obviously, a lot happens and changed in the world.","start":670.465,"end":673.025,"sentiment":"neutral","sentiment_score":0.009906919859349727},{"text":"So just because something happened ten years ago doesn't necessarily mean it's gonna happen in the future.","start":673.025,"end":677.585,"sentiment":"neutral","sentiment_score":-0.04356248019372716}],"sentiment":"neutral","sentiment_score":0.09115877725020215,"num_words":91,"start":647.765,"end":677.585},{"sentences":[{"text":"So we obviously consider it, but things do change.","start":677.585,"end":681.025,"sentiment":"neutral","sentiment_score":-0.12633373339970908},{"text":"And the important thing is the more recent time frames, you can see that the the difference is kind of gradually increasing between the two portfolios.","start":681.025,"end":689.45996,"sentiment":"neutral","sentiment_score":-0.028441563821755923},{"text":"Yep.","start":691.2,"end":691.6,"sentiment":"neutral","sentiment_score":0.1699351668357849},{"text":"Beautiful.","start":691.6,"end":692.1,"sentiment":"positive","sentiment_score":0.35317736864089966},{"text":"Now what that actually looks like in terms of the investments I have recommended that we change is on page 18, if you can see that.","start":692.95996,"end":701.195,"sentiment":"neutral","sentiment_score":0.09271820964148411}],"sentiment":"neutral","sentiment_score":0.016782567082416443,"num_words":63,"start":677.585,"end":701.195},{"sentences":[{"text":"Yep.","start":705.015,"end":705.515,"sentiment":"neutral","sentiment_score":0.0447455458343029},{"text":"Yes.","start":705.575,"end":706.075,"sentiment":"neutral","sentiment_score":0.05916424095630646},{"text":"So this one here, it might look a little bit messy, but, basically, what it shows is the investment name, so what they are called.","start":706.29504,"end":713.11505,"sentiment":"neutral","sentiment_score":0.025100352615118025},{"text":"You have their kind of special little code.","start":713.52,"end":715.62006,"sentiment":"neutral","sentiment_score":0.06110584642738104},{"text":"You then have a percentage of how much you currently have in those investment options, what that correlates through from a dollar value, and then you have the buy and sell column.","start":715.76,"end":727.2,"sentiment":"neutral","sentiment_score":0.05207549032638781}],"sentiment":"neutral","sentiment_score":0.043084792000477885,"num_words":67,"start":705.015,"end":727.2},{"sentences":[{"text":"So the buy and sell column, what you have in red is what we are selling or reducing your exposure to.","start":727.2,"end":734.925,"sentiment":"neutral","sentiment_score":0.003957475092084635},{"text":"And then what's in black, we are either increasing the exposure to or added to your portfolio.","start":735.385,"end":741.005,"sentiment":"neutral","sentiment_score":0.007143382969148019},{"text":"Does that make sense?","start":741.14496,"end":742.20496,"sentiment":"neutral","sentiment_score":0.0227899975143373},{"text":"Yep.","start":743.385,"end":743.70496,"sentiment":"neutral","sentiment_score":0.19072479009628296},{"text":"Beautiful.","start":743.70496,"end":744.20496,"sentiment":"positive","sentiment_score":0.5654046535491943}],"sentiment":"neutral","sentiment_score":0.023905316388911822,"num_words":44,"start":727.2,"end":744.20496},{"sentences":[{"text":"So it is pretty straightforward.","start":744.59,"end":745.97003,"sentiment":"positive","sentiment_score":0.3814839541912079},{"text":"It's only two changes, really.","start":746.03,"end":748.61,"sentiment":"neutral","sentiment_score":0.13055569380521775},{"text":"So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity.","start":749.15,"end":757.57,"sentiment":"neutral","sentiment_score":0.056415328111212984},{"text":"Now this is the one I kind of touched on during the annual review that was underperforming a little bit and wanted to look at changing.","start":758.435,"end":764.535,"sentiment":"neutral","sentiment_score":-0.02574913389980793},{"text":"So as a replacement of this one, I have recommended the one at the bottom that says beta shares Australia 200.","start":764.755,"end":774.08997,"sentiment":"neutral","sentiment_score":0.02143076297250532}],"sentiment":"neutral","sentiment_score":0.04587428086628038,"num_words":83,"start":744.59,"end":774.08997},{"sentences":[{"text":"Now because yeah.","start":775.35,"end":777.20996,"sentiment":"neutral","sentiment_score":0.017777735988299053},{"text":"Now because we are then changing one Australian investment, we wanted to make sure we still have that Australian exposure.","start":777.83,"end":784.25,"sentiment":"neutral","sentiment_score":0.008245908794924617},{"text":"We don't wanna have too much overseas.","start":784.63,"end":786.875,"sentiment":"neutral","sentiment_score":-0.039841579007250924},{"text":"We wanna make sure we we keep things diversified.","start":786.875,"end":789.295,"sentiment":"neutral","sentiment_score":0.02287827328675323},{"text":"So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia.","start":790.155,"end":803.58,"sentiment":"neutral","sentiment_score":0.05214965884806588}],"sentiment":"neutral","sentiment_score":0.025550054556781977,"num_words":71,"start":775.35,"end":803.58},{"sentences":[{"text":"So all the big companies are very diversified.","start":804.28,"end":806.7,"sentiment":"neutral","sentiment_score":0.02417514636181295},{"text":"And, obviously, if something were to happen to one company, it's not gonna impact things as much because you do have exposure to 200 investment options, but in that one single option.","start":807.24005,"end":817.755,"sentiment":"neutral","sentiment_score":0.011127206739729445},{"text":"Yep.","start":819.415,"end":819.915,"sentiment":"neutral","sentiment_score":0.07334145903587341},{"text":"Beautiful.","start":820.695,"end":821.195,"sentiment":"neutral","sentiment_score":0.2857866585254669},{"text":"Whereas the Benelong one, they are kind of there's a lot less investments, and they are kind of buying and selling a lot more frequent based on what they kind of predict is going to happen.","start":821.33496,"end":831.63,"sentiment":"neutral","sentiment_score":-0.009474595630308613}],"sentiment":"neutral","sentiment_score":0.007275826428667642,"num_words":78,"start":804.28,"end":831.63},{"sentences":[{"text":"Whereas the a 200, it is kind of tracking the 200 largest.","start":832.01,"end":836.35,"sentiment":"neutral","sentiment_score":0.02017033916975682},{"text":"So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off.","start":836.81,"end":844.175,"sentiment":"neutral","sentiment_score":0.010298475423561675},{"text":"So that's where you do see a little bit of that saving in the fees because it's a little bit more kind of simplified, but also the performance has been better, which is great.","start":844.555,"end":853.935,"sentiment":"positive","sentiment_score":0.3661750695284675},{"text":"The yeah.","start":855.69,"end":857.61,"sentiment":"neutral","sentiment_score":0.05319610610604286},{"text":"Now the other change I have recommended is the beta shift bank hybrid, and it's to sell out of that one and switch to another defensive fixed interest investment.","start":857.61,"end":869.31,"sentiment":"neutral","sentiment_score":0.06514899663884065}],"sentiment":"neutral","sentiment_score":0.14262920819622066,"num_words":105,"start":832.01,"end":869.31},{"sentences":[{"text":"The only reason as well is because the bank hybrid is gradually being phased out.","start":869.955,"end":874.85504,"sentiment":"neutral","sentiment_score":-0.018676704292496047},{"text":"And the other investment I have recommended is just the iShares core composite bond.","start":875.875,"end":880.91504,"sentiment":"neutral","sentiment_score":0.0694403752152409},{"text":"So it's basically just changing it and having that defensive component still in your portfolio.","start":880.91504,"end":887.98,"sentiment":"neutral","sentiment_score":0.0865231841802597},{"text":"It's just basically changing one for another one.","start":887.98,"end":891.2,"sentiment":"neutral","sentiment_score":0.030835090903565288},{"text":"Yep.","start":892.94,"end":893.44,"sentiment":"neutral","sentiment_score":0.1035408079624176}],"sentiment":"neutral","sentiment_score":0.044152528047561646,"num_words":53,"start":869.955,"end":893.44},{"sentences":[{"text":"Now the other ones that is red, it's where we are rebalancing your portfolio.","start":893.66003,"end":899.615,"sentiment":"neutral","sentiment_score":0.026073258303638016},{"text":"So keeping the exposure, just rebalancing everything back into alignment.","start":899.675,"end":905.21497,"sentiment":"neutral","sentiment_score":0.0396792646497488},{"text":"So, essentially, obviously, over time, different investments do perform differently, which obviously can cause your portfolio to kind of drift away from what it was intended for.","start":905.435,"end":916.49005,"sentiment":"neutral","sentiment_score":-0.10849879651019971},{"text":"So rebalancing basically just means that we are reproportioning everything back into alignment just to make sure that, obviously, everything continues to align with your risk profile, also your long term objectives rather than kind of becoming unintentionally more or less risky, if that makes sense.","start":917.27,"end":936.335,"sentiment":"neutral","sentiment_score":0.061679496915768024},{"text":"Yep.","start":937.515,"end":938.015,"sentiment":"neutral","sentiment_score":0.25135326385498047}],"sentiment":"neutral","sentiment_score":0.009397559989319772,"num_words":98,"start":893.66003,"end":938.015},{"sentences":[{"text":"Perfect.","start":939.12,"end":939.51996,"sentiment":"positive","sentiment_score":0.6283640265464783},{"text":"So you can see even, for example, that the Global X battery tech and lithium, you currently have 8.07%.","start":939.51996,"end":945.86,"sentiment":"positive","sentiment_score":0.3352086222485492},{"text":"Just bringing that back to seven.","start":945.92,"end":947.69995,"sentiment":"neutral","sentiment_score":0.30453374485174817},{"text":"The gold, 9.81, bringing that to seven.","start":947.92,"end":951.64496,"sentiment":"neutral","sentiment_score":0.29092227135385784},{"text":"So it's just kind of you still have a good amount of exposure.","start":951.785,"end":954.665,"sentiment":"positive","sentiment_score":0.43101993661660415}],"sentiment":"positive","sentiment_score":0.35791837812765787,"num_words":46,"start":939.12,"end":954.665},{"sentences":[{"text":"It's just kind of rebalancing things for you.","start":954.665,"end":957.245,"sentiment":"positive","sentiment_score":0.3663986325263977},{"text":"Any questions in regards to any of that?","start":959.46497,"end":961.725,"sentiment":"neutral","sentiment_score":0.05979837058112025},{"text":"No?","start":963.865,"end":964.365,"sentiment":"neutral","sentiment_score":-0.17239397764205933},{"text":"No.","start":965.065,"end":965.385,"sentiment":"neutral","sentiment_score":-0.09273196011781693},{"text":"Beautiful.","start":965.385,"end":965.885,"sentiment":"neutral","sentiment_score":0.13414408266544342}],"sentiment":"neutral","sentiment_score":0.17255758788240583,"num_words":19,"start":954.665,"end":965.885},{"sentences":[{"text":"Now on the next page, you can then see just the cash account component.","start":966.69,"end":970.79004,"sentiment":"neutral","sentiment_score":0.028481117050562586},{"text":"So that is page 19.","start":971.09,"end":972.87,"sentiment":"neutral","sentiment_score":0.030199985578656198},{"text":"Yep.","start":975.89,"end":976.39,"sentiment":"neutral","sentiment_score":0.07164957374334335},{"text":"So with Hub twenty four, they do have a minimum of 1.25% that needs to be in cash with all their accounts, and that is just to make sure that there's enough money that's liquid for, you know, any fees and stuff like that.","start":976.45,"end":990.34503,"sentiment":"neutral","sentiment_score":0.07625756387344816},{"text":"Now we want to keep that of as close to that 1.25 as possible.","start":990.405,"end":994.585,"sentiment":"neutral","sentiment_score":0.15397850051522255}],"sentiment":"neutral","sentiment_score":0.0786207302306325,"num_words":78,"start":966.69,"end":994.585},{"sentences":[{"text":"It will fluctuate a little bit short term when you have contributions and stuff going in, but then everything gets rebalanced into your investment portfolio.","start":994.805,"end":1002.44995,"sentiment":"neutral","sentiment_score":-0.0026366213569417596},{"text":"But we wanna keep it, obviously, as close to that 1.25 as possible because the cash isn't gonna grow as much as your other investments.","start":1003.06995,"end":1010.05,"sentiment":"neutral","sentiment_score":0.02262879639863968},{"text":"No.","start":1010.82996,"end":1011.32996,"sentiment":"neutral","sentiment_score":-0.07592819631099701},{"text":"Now if you can then scroll to the next page, it says page 20.","start":1012.325,"end":1016.585,"sentiment":"neutral","sentiment_score":0.028811166728181497},{"text":"You should have a proposed asset allocation, and it's like a pie chart and a table.","start":1016.805,"end":1022.105,"sentiment":"neutral","sentiment_score":0.08294599037617445}],"sentiment":"neutral","sentiment_score":0.02659714024623189,"num_words":81,"start":994.805,"end":1022.105},{"sentences":[{"text":"Yep.","start":1023.205,"end":1023.605,"sentiment":"neutral","sentiment_score":0.3282044529914856},{"text":"Beautiful.","start":1023.605,"end":1024.105,"sentiment":"positive","sentiment_score":0.5887453556060791},{"text":"So what this one basically shows you is the risk profile.","start":1024.165,"end":1027.68,"sentiment":"neutral","sentiment_score":0.11417802728035233},{"text":"So on the second column, you can see your risk profile, which is sitting usually around that 70 to 30 split, about 70 growth, 30 defensive.","start":1027.92,"end":1037.4601,"sentiment":"neutral","sentiment_score":0.0727233333656421},{"text":"It does change a little bit, obviously, with market prices and everything like that.","start":1038.0,"end":1042.5801,"sentiment":"neutral","sentiment_score":0.01956849598458835}],"sentiment":"neutral","sentiment_score":0.08184290037683721,"num_words":53,"start":1023.205,"end":1042.5801},{"sentences":[{"text":"But around that, you then have your existing, which is seventy two ninety nine growth, defensive, 27.01, and then you have your proposed, which is about $74.85, and defensive $25.15.","start":1043.835,"end":1059.79,"sentiment":"neutral","sentiment_score":0.09997595200935999},{"text":"So they're both still very much aligned with that balanced growth portfolio.","start":1060.33,"end":1064.67,"sentiment":"neutral","sentiment_score":0.25012082420289516},{"text":"Anything over 80 is then when you get to the next category.","start":1065.13,"end":1068.615,"sentiment":"neutral","sentiment_score":0.09569939008603494},{"text":"Yep.","start":1070.9349,"end":1071.255,"sentiment":"neutral","sentiment_score":0.1203428953886032},{"text":"Does that make sense?","start":1071.255,"end":1072.395,"sentiment":"neutral","sentiment_score":0.14091802015900612}],"sentiment":"neutral","sentiment_score":0.1327650187758066,"num_words":59,"start":1043.835,"end":1072.395},{"sentences":[{"text":"Yep.","start":1073.415,"end":1073.735,"sentiment":"neutral","sentiment_score":0.17624911665916443},{"text":"Yep.","start":1073.735,"end":1074.135,"sentiment":"neutral","sentiment_score":0.261220782995224},{"text":"Perfect.","start":1074.135,"end":1074.635,"sentiment":"positive","sentiment_score":0.5889499187469482},{"text":"Now any questions before I kind of move on to show you the salary sacrifice?","start":1075.495,"end":1080.075,"sentiment":"neutral","sentiment_score":0.04238996592660745},{"text":"No.","start":1082.535,"end":1082.88,"sentiment":"neutral","sentiment_score":-0.20407873392105105}],"sentiment":"neutral","sentiment_score":0.07674687228312618,"num_words":19,"start":1073.415,"end":1082.88},{"sentences":[{"text":"Yes.","start":1091.52,"end":1092.02,"sentiment":"neutral","sentiment_score":0.05010484158992767},{"text":"Yes.","start":1093.92,"end":1094.42,"sentiment":"neutral","sentiment_score":0.2761196792125702},{"text":"Okay.","start":1095.04,"end":1095.52,"sentiment":"positive","sentiment_score":0.34319016337394714},{"text":"Perfect.","start":1095.52,"end":1096.02,"sentiment":"positive","sentiment_score":0.5551777482032776},{"text":"Now with the salary sacrifice, I have showed you what that looks like on page 21.","start":1096.24,"end":1101.325,"sentiment":"neutral","sentiment_score":0.22007078677415848}],"sentiment":"neutral","sentiment_score":0.2372862510383129,"num_words":20,"start":1091.52,"end":1101.325},{"sentences":[{"text":"Now the good thing with salary sacrifice is that you can always change it with your employer as well depending on what's happening.","start":1101.5449,"end":1107.5449,"sentiment":"positive","sentiment_score":0.3827365249719309},{"text":"So if it is that you start the $100 a fortnight, your cash flow or situation change, and you can't continue, you can always stop it and restart it whenever you want to as well.","start":1107.5449,"end":1117.32,"sentiment":"neutral","sentiment_score":0.23092415588242668},{"text":"So it obviously gives you the flexibility.","start":1117.32,"end":1119.1799,"sentiment":"positive","sentiment_score":0.4317379082952227},{"text":"So it's not something you locked in through, and then that stays for the whole year.","start":1119.5599,"end":1122.86,"sentiment":"neutral","sentiment_score":0.2757115075364709},{"text":"Now the really good thing with salary sacrifice is that it is a very tax effective way of boosting your superannuation.","start":1124.615,"end":1131.1951,"sentiment":"positive","sentiment_score":0.6699064941633315}],"sentiment":"positive","sentiment_score":0.3763418763364647,"num_words":102,"start":1101.5449,"end":1131.1951},{"sentences":[{"text":"Because how it works is that contributions inside superannuation, it does get taxed, but at a discounted rate of 15 percent versus your marginal tax rate including that medical levy, which is about 39%.","start":1132.295,"end":1148.0299,"sentiment":"positive","sentiment_score":0.380939699271146},{"text":"So that's kind of where you do get the big savings.","start":1148.1699,"end":1150.99,"sentiment":"positive","sentiment_score":0.4971976767886769},{"text":"Now how that actually changes things for you, you can see here on the little table.","start":1151.5299,"end":1156.695,"sentiment":"neutral","sentiment_score":0.32024061772972345},{"text":"So you first have how it changes your salary.","start":1157.1549,"end":1159.8949,"sentiment":"neutral","sentiment_score":0.19416116343604195},{"text":"So your your current salary.","start":1160.355,"end":1161.955,"sentiment":"neutral","sentiment_score":0.2122795730829239}],"sentiment":"positive","sentiment_score":0.35138429919878644,"num_words":75,"start":1132.295,"end":1161.955},{"sentences":[{"text":"So thank you so much for sending that through.","start":1161.955,"end":1163.715,"sentiment":"positive","sentiment_score":0.7052904566129049},{"text":"That was great.","start":1163.715,"end":1164.615,"sentiment":"positive","sentiment_score":0.4599697192509969},{"text":"The tax you pay, obviously, on the salary and then the net income.","start":1165.71,"end":1169.57,"sentiment":"neutral","sentiment_score":0.22755365073680878},{"text":"Now by salary is sacrificing a $100 per fortnight.","start":1170.35,"end":1173.49,"sentiment":"neutral","sentiment_score":0.10690961943732367},{"text":"The difference on a yearly basis is only really 1,586.","start":1174.11,"end":1179.495,"sentiment":"neutral","sentiment_score":0.09062506034970283}],"sentiment":"neutral","sentiment_score":0.2853217705745589,"num_words":44,"start":1161.955,"end":1179.495},{"sentences":[{"text":"So you will have less in your bank accounts over a year.","start":1179.795,"end":1184.6951,"sentiment":"neutral","sentiment_score":0.06941950755814712},{"text":"So, obviously, something to consider.","start":1185.075,"end":1187.175,"sentiment":"neutral","sentiment_score":0.09451815485954285},{"text":"But over a year, it doesn't doesn't always make a massive difference.","start":1188.115,"end":1191.475,"sentiment":"neutral","sentiment_score":-0.0722190182035168},{"text":"Sometimes when you think about a $100 a fortnight, you're like, oh, can I do that?","start":1191.475,"end":1195.07,"sentiment":"neutral","sentiment_score":0.03897026600316167},{"text":"But then when you look at it from after this net tax savings, it's sometimes more realistic than what you think.","start":1195.07,"end":1201.97,"sentiment":"neutral","sentiment_score":0.08466722798489389}],"sentiment":"neutral","sentiment_score":0.04303837409525207,"num_words":66,"start":1179.795,"end":1201.97},{"sentences":[{"text":"But, obviously, something to be yes.","start":1202.9099,"end":1207.275,"sentiment":"neutral","sentiment_score":0.015126178817202648},{"text":"Exactly.","start":1212.635,"end":1213.115,"sentiment":"neutral","sentiment_score":-0.02557849884033203},{"text":"Because the one thing to remind for love is, obviously, money that you put into superannuation, it is locked in until you meet a condition of release.","start":1213.115,"end":1221.63,"sentiment":"neutral","sentiment_score":0.07273179113313004},{"text":"So if you do end up doing the salary sacrifice and then you something happens and you need you need the money, it is locked in into a super until you meet that condition of release.","start":1221.63,"end":1233.79,"sentiment":"neutral","sentiment_score":-0.03927215907929672},{"text":"So, obviously, something to remind for a lot of that, it's not money that you need access to anytime soon.","start":1233.79,"end":1238.6549,"sentiment":"neutral","sentiment_score":-0.0878990100696683}],"sentiment":"neutral","sentiment_score":-0.012698233262118367,"num_words":90,"start":1202.9099,"end":1238.6549},{"sentences":[{"text":"So, obviously, something to be mindful of.","start":1239.515,"end":1241.615,"sentiment":"neutral","sentiment_score":-0.050599195063114166},{"text":"Now what that actually then does to you super is on the kind of the second part of this table.","start":1241.835,"end":1247.2949,"sentiment":"neutral","sentiment_score":0.05850449036806822},{"text":"So you can see that by salary sacrificing a $100 per fortnight because of kind of the tax changes, it will give you an additional 2,210 into super each year.","start":1247.6749,"end":1261.58,"sentiment":"neutral","sentiment_score":0.06089398413896561},{"text":"So, basically, the difference is then $625, which does make a pretty big difference, and that's just the tax saving.","start":1263.0,"end":1269.775,"sentiment":"neutral","sentiment_score":0.08217112924903631},{"text":"Does that all make sense?","start":1271.755,"end":1273.215,"sentiment":"neutral","sentiment_score":0.16527800559997557}],"sentiment":"neutral","sentiment_score":0.06234789730572119,"num_words":82,"start":1239.515,"end":1273.215},{"sentences":[{"text":"Yep.","start":1274.315,"end":1274.635,"sentiment":"neutral","sentiment_score":0.215002179145813},{"text":"Yep.","start":1274.635,"end":1275.115,"sentiment":"neutral","sentiment_score":0.32934683561325073},{"text":"Perfect.","start":1275.115,"end":1275.615,"sentiment":"positive","sentiment_score":0.5638455748558044},{"text":"Now on the next pages, it kind of talks about basically what I just told you in terms of outlining the advantages.","start":1276.875,"end":1283.18,"sentiment":"neutral","sentiment_score":0.1618958203630014},{"text":"It's a very tax effective way to boosting your superannuation.","start":1283.2401,"end":1285.9801,"sentiment":"positive","sentiment_score":0.5850117236375809}],"sentiment":"neutral","sentiment_score":0.3005719963993345,"num_words":35,"start":1274.315,"end":1285.9801},{"sentences":[{"text":"You're obviously paying a lot less tax on that.","start":1287.0,"end":1289.42,"sentiment":"neutral","sentiment_score":0.2795492311318715},{"text":"But the disadvantage is, obviously, you will have less income available if you need to, and it is obviously locked until you meet a condition of release.","start":1290.68,"end":1299.3151,"sentiment":"neutral","sentiment_score":-0.30636070668697357},{"text":"One of the risks to be mindful of is obviously legislation changes.","start":1300.0951,"end":1304.5951,"sentiment":"neutral","sentiment_score":-0.3001522421836853},{"text":"It's something we keep an eye on for you, but if anything were to change, we will let you know.","start":1304.655,"end":1310.275,"sentiment":"neutral","sentiment_score":-0.08232243042439222},{"text":"And if also you decide that, oh, okay.","start":1311.39,"end":1313.9501,"sentiment":"neutral","sentiment_score":-0.04385729320347309}],"sentiment":"neutral","sentiment_score":-0.1494069718510697,"num_words":76,"start":1287.0,"end":1313.9501},{"sentences":[{"text":"I wanna do a thousand dollars for fortnight.","start":1313.9501,"end":1316.51,"sentiment":"neutral","sentiment_score":-0.03727052919566631},{"text":"Or if you wanna change it drastically, I'll say just let me know.","start":1316.51,"end":1319.79,"sentiment":"neutral","sentiment_score":-0.03721649228380276},{"text":"Let me just run the math for you first because I don't want you to exceed that concessional cap of 32,500.","start":1319.79,"end":1327.305,"sentiment":"neutral","sentiment_score":-0.05669833258503959},{"text":"Yeah.","start":1328.3251,"end":1328.8251,"sentiment":"neutral","sentiment_score":0.004707620479166508},{"text":"Beautiful.","start":1328.885,"end":1329.385,"sentiment":"positive","sentiment_score":0.6961995363235474}],"sentiment":"neutral","sentiment_score":-0.028903101380406457,"num_words":44,"start":1313.9501,"end":1329.385},{"sentences":[{"text":"Now that was essentially everything.","start":1330.5651,"end":1332.9651,"sentiment":"neutral","sentiment_score":0.2750559478998184},{"text":"So as you scroll through, you will then see some information, like I mentioned, in regards to a will and also power of attorney.","start":1332.9651,"end":1338.905,"sentiment":"neutral","sentiment_score":0.15469119201103845},{"text":"So I'll let you kind of have a read over that in your own time.","start":1339.37,"end":1342.5701,"sentiment":"neutral","sentiment_score":0.20582710107167562},{"text":"Like I said, I do recommend it to everybody.","start":1342.5701,"end":1344.91,"sentiment":"positive","sentiment_score":0.5764131049315134},{"text":"Just have a read over it if it is something that you are interested in.","start":1345.13,"end":1348.99,"sentiment":"positive","sentiment_score":0.4134828845659892}],"sentiment":"neutral","sentiment_score":0.287724059951656,"num_words":68,"start":1330.5651,"end":1348.99},{"sentences":[{"text":"Otherwise, there is no changes in regards to the fee structure.","start":1350.0901,"end":1353.465,"sentiment":"neutral","sentiment_score":0.19517843425273895},{"text":"Like I mentioned during the annual review, it stays exactly the same, and there's no additional fees and charges whatsoever in regards to this advice piece or if you wanted to go ahead.","start":1353.705,"end":1363.325,"sentiment":"neutral","sentiment_score":0.33138662215435144},{"text":"That is all part of the ongoing service.","start":1363.5449,"end":1366.0449,"sentiment":"neutral","sentiment_score":0.33164360374212265},{"text":"Now do you have any questions in regards to anything, or what are your thoughts on all of this?","start":1367.06,"end":1371.56,"sentiment":"neutral","sentiment_score":0.10637493274713818},{"text":"Yeah.","start":1382.02,"end":1382.475,"sentiment":"neutral","sentiment_score":0.00913502648472786}],"sentiment":"neutral","sentiment_score":0.2467517900901536,"num_words":72,"start":1350.0901,"end":1382.475},{"sentences":[{"text":"Okay.","start":1389.515,"end":1389.9149,"sentiment":"neutral","sentiment_score":0.2930818796157837},{"text":"Beautiful.","start":1389.9149,"end":1390.4149,"sentiment":"positive","sentiment_score":0.4630814790725708},{"text":"So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you are more than welcome to do so.","start":1390.955,"end":1398.9299,"sentiment":"neutral","sentiment_score":0.20122235587665013},{"text":"If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally.","start":1399.23,"end":1409.07,"sentiment":"neutral","sentiment_score":0.19952169849592097},{"text":"It's the same as what you did for the annual review.","start":1409.07,"end":1411.715,"sentiment":"neutral","sentiment_score":0.2406419271772558}],"sentiment":"neutral","sentiment_score":0.2109491769472758,"num_words":75,"start":1389.515,"end":1411.715},{"sentences":[{"text":"It will ask you for your signature and your date.","start":1411.715,"end":1414.195,"sentiment":"neutral","sentiment_score":0.17626404911279678},{"text":"It should just be that one document that you are in.","start":1414.195,"end":1417.335,"sentiment":"neutral","sentiment_score":0.2554687559604645},{"text":"That will then send it back to me, and that lets me know that you are happy with the recommendation.","start":1417.6349,"end":1422.5349,"sentiment":"positive","sentiment_score":0.3755581393837929},{"text":"I will let the team know, and then we'll go ahead and make these couple of changes for you.","start":1423.3301,"end":1427.67,"sentiment":"neutral","sentiment_score":0.2893164448047939},{"text":"Yep.","start":1429.17,"end":1429.67,"sentiment":"positive","sentiment_score":0.4105183482170105}],"sentiment":"neutral","sentiment_score":0.2949424654733939,"num_words":61,"start":1411.715,"end":1429.67},{"sentences":[{"text":"Beautiful.","start":1430.05,"end":1430.55,"sentiment":"positive","sentiment_score":0.5967972278594971},{"text":"Now do you have any questions for me before I let you go and get back to your busy day 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know.","start":1446.775,"end":1448.795,"sentiment":"neutral","sentiment_score":0.3083463137348493},{"text":"But, otherwise, I'll just keep a look at to see what you want to do.","start":1448.8551,"end":1452.47,"sentiment":"neutral","sentiment_score":0.255337984363238}],"sentiment":"positive","sentiment_score":0.5132585560020647,"num_words":38,"start":1441.895,"end":1452.47},{"sentences":[{"text":"Yep.","start":1452.47,"end":1452.97,"sentiment":"neutral","sentiment_score":0.2525606155395508},{"text":"No no worries.","start":1454.87,"end":1456.07,"sentiment":"neutral","sentiment_score":-0.05370317275325457},{"text":"We'll speak 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Larissa speaking. Yes. How are you? I'm good. Thank you. Sorry. I don't know what happened before. I think it's because I had my headphones connected to my Bluetooth for my computer, and it just did some weird things. So yes. Yes. Yes. Yes. Yes. It is. Yep. Yep. Yes. It's Larissa. Date of birth is 03/12/1980, and my address is 11 Robin Street, Burpengary. Yes. Yes. It's reporting and yes. I'm I'm it's not that you're not that you're not gonna know what it is, but it's National Biosecurity Week. And because that's our work in plant it it I I work in plant biosecurity, and we we run that week. So it's, like, very, very busy. So for us. So look it up. It's a it'll be an educational educational experience for you. I do. Let me just open it up for you. Oh, yes. Yep. I see one here for you. Yep. Mhmm. Yes. Yep. Yes. Yes. That's good. Thank you. Yes. Yes. Yes. Yes. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Yep. Mhmm. Mhmm. Yes. I can see that. Good. Okay. Alright. Yep. I'll just make it a bit bigger. I don't need reading glasses, but it's starting to get a little bit harder to see things. Yes. Yep. Mhmm. Yes. Yes. I very much can yes. It's it does get a lot of returns. Mhmm. Mhmm. Okay. Mhmm. That's good. Yes. Mhmm. Yep. Okay. Mhmm. Yes. Yes. Yep. Yes. It does. Yep. Yep. Yes. Yes. Mhmm. Yep. That makes sense. Mhmm. Yes. Mhmm. Yep. Yep. That's good. Yes. Yep. No. That's that's makes all makes sense to me. Yep. Mhmm. Yes. Mhmm. No. No. Yep. Yep. Page 18. Yep. Mhmm. Yes. Yeah. Yep. Yes. Yes. Yes. Yep. Mhmm. Mhmm. Yes. Yep. That makes sense. If that makes sense. Okay. Yep. Yes. Yes. That's Yep. No. No. I don't. Mhmm. Yep. Yep. Yep. No. Yes. Yep. Oh, yep. Yep. Mhmm. Yep. Mhmm. Okay. Yes. Yeah. Yes. No. No. It's yes. It all makes sense, and it makes sense why you would be getting changing out of the other one for a new for a new one and rebalancing it. Yeah. Yep. It does make sense. Yeah. Mhmm. Yes. Yep. Mhmm. Mhmm. It's alright. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Yep. Particularly since I've just and I've got a pay rise, so it's like it's not as if it's, like, cutting into things that I haven't done before. Yet. Mhmm. Yep. Mhmm. Mhmm. Yep. Yes. Yes. It does. With yep. Yep. Yes. Yes. It does. Yes. Mhmm. Yep. Yep. Yep. Yep. Okay. Mhmm. Okay. Okay. No. No. I don't. I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government. But, yeah, it's just something I haven't been doing. But, yes, I I I can see the benefits of it, and I'm all I'm happy with that. Mhmm. Mhmm. Okay. That sounds great. No. No. That's fine. You've that's it's very clear and and can understand it. You too. Perfect. Okay. Thanks very much. Thank you. Thanks. Okay. Bye. 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Larissa speaking. Yes. How are you? I'm good.\n\nThank you. Sorry. I don't know what happened before. I think it's because I had my headphones connected to my Bluetooth for my computer, and it just did some weird things. So yes.\n\nYes. Yes. Yes. Yes. It is.\n\nYep. Yep. Yes. It's Larissa. Date of birth is 03/12/1980, and my address is 11 Robin Street, Burpengary.\n\nYes. Yes. It's reporting and yes. I'm I'm it's not that you're not that you're not gonna know what it is, but it's National Biosecurity Week. And because that's our work in plant it it I I work in plant biosecurity, and we we run that week.\n\nSo it's, like, very, very busy. So for us. So look it up. It's a it'll be an educational educational experience for you. I do.\n\nLet me just open it up for you. Oh, yes. Yep. I see one here for you. Yep.\n\nMhmm. Yes. Yep. Yes. Yes.\n\nThat's good. Thank you. Yes. Yes. Yes.\n\nYes. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. Yep. Mhmm. Mhmm. Yes.\n\nI can see that. Good. Okay. Alright. Yep.\n\nI'll just make it a bit bigger. I don't need reading glasses, but it's starting to get a little bit harder to see things. Yes. Yep. Mhmm.\n\nYes. Yes. I very much can yes. It's it does get a lot of returns. Mhmm.\n\nMhmm. Okay. Mhmm. That's good. Yes.\n\nMhmm. Yep. Okay. Mhmm. Yes.\n\nYes. Yep. Yes. It does. Yep.\n\nYep. Yes. Yes. Mhmm. Yep.\n\nThat makes sense. Mhmm. Yes. Mhmm. Yep.\n\nYep. That's good. Yes. Yep. No.\n\nThat's that's makes all makes sense to me. Yep. Mhmm. Yes. Mhmm.\n\nNo. No. Yep. Yep. Page 18.\n\nYep. Mhmm. Yes. Yeah. Yep.\n\nYes. Yes. Yes. Yep. Mhmm.\n\nMhmm. Yes. Yep. That makes sense. If that makes sense.\n\nOkay. Yep. Yes. Yes. That's Yep.\n\nNo. No. I don't. Mhmm. Yep.\n\nYep. Yep. No. Yes. Yep.\n\nOh, yep. Yep. Mhmm. Yep. Mhmm.\n\nOkay. Yes. Yeah. Yes. No.\n\nNo. It's yes. It all makes sense, and it makes sense why you would be getting changing out of the other one for a new for a new one and rebalancing it. Yeah. Yep.\n\nIt does make sense. Yeah. Mhmm. Yes. Yep.\n\nMhmm. Mhmm. It's alright. Mhmm. Okay.\n\nMhmm. Mhmm. Mhmm. Yep. Particularly since I've just and I've got a pay rise, so it's like it's not as if it's, like, cutting into things that I haven't done before.\n\nYet. Mhmm. Yep. Mhmm. Mhmm.\n\nYep. Yes. Yes. It does. With yep.\n\nYep. Yes. Yes. It does. Yes.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nOkay. Mhmm. Okay. Okay. No.\n\nNo. I don't. I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government. But, yeah, it's just something I haven't been doing. But, yes, I I I can see the benefits of it, and I'm all I'm happy with that.\n\nMhmm. Mhmm. Okay. That sounds great. No.\n\nNo. That's fine. You've that's it's very clear and and can understand it. You too. Perfect.\n\nOkay. Thanks very much. Thank you. Thanks. Okay.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.76,"sentiment":"neutral","sentiment_score":0.05331503599882126},{"text":"Larissa speaking.","start":1.76,"end":2.74,"sentiment":"neutral","sentiment_score":0.060988323763012886},{"text":"Yes.","start":3.52,"end":3.84,"sentiment":"positive","sentiment_score":0.3613855838775635},{"text":"How are you?","start":3.84,"end":7.68,"sentiment":"neutral","sentiment_score":0.29581189155578613},{"text":"I'm good.","start":7.68,"end":8.16,"sentiment":"positive","sentiment_score":0.49075746536254883}],"sentiment":"neutral","sentiment_score":0.26729198586609626,"num_words":9,"start":1.28,"end":8.16},{"sentences":[{"text":"Thank you.","start":8.16,"end":8.639999,"sentiment":"positive","sentiment_score":0.5346433222293854},{"text":"Sorry.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":-0.1300067901611328},{"text":"I don't know what happened 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does.","start":1273.325,"end":1273.965,"sentiment":"neutral","sentiment_score":0.22260846197605133},{"text":"Yes.","start":1273.965,"end":1274.465,"sentiment":"neutral","sentiment_score":0.17063678801059723}],"sentiment":"neutral","sentiment_score":0.1838519275188446,"num_words":6,"start":1270.2699,"end":1274.465},{"sentences":[{"text":"Mhmm.","start":1306.455,"end":1306.955,"sentiment":"neutral","sentiment_score":-0.05822864547371864},{"text":"Yep.","start":1321.2,"end":1321.7,"sentiment":"neutral","sentiment_score":0.02026999182999134},{"text":"Yep.","start":1327.04,"end":1327.54,"sentiment":"neutral","sentiment_score":0.04070914909243584},{"text":"Yep.","start":1327.92,"end":1328.42,"sentiment":"neutral","sentiment_score":0.037624239921569824},{"text":"Yep.","start":1328.64,"end":1329.12,"sentiment":"positive","sentiment_score":0.3700610995292664}],"sentiment":"neutral","sentiment_score":0.08208716697990895,"num_words":5,"start":1306.455,"end":1329.12},{"sentences":[{"text":"Okay.","start":1329.12,"end":1329.62,"sentiment":"positive","sentiment_score":0.34455978870391846},{"text":"Mhmm.","start":1356.3,"end":1356.8,"sentiment":"neutral","sentiment_score":0.3253687620162964},{"text":"Okay.","start":1366.6349,"end":1366.955,"sentiment":"neutral","sentiment_score":0.20015957951545715},{"text":"Okay.","start":1366.955,"end":1367.455,"sentiment":"neutral","sentiment_score":0.14750714600086212},{"text":"No.","start":1372.2201,"end":1372.62,"sentiment":"neutral","sentiment_score":-0.07980361580848694}],"sentiment":"neutral","sentiment_score":0.18755833208560943,"num_words":5,"start":1329.12,"end":1372.62},{"sentences":[{"text":"No.","start":1372.62,"end":1372.9401,"sentiment":"neutral","sentiment_score":-0.10072187334299088},{"text":"I don't.","start":1372.9401,"end":1373.42,"sentiment":"neutral","sentiment_score":-0.14715242385864258},{"text":"I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government.","start":1373.42,"end":1380.88,"sentiment":"neutral","sentiment_score":-0.09292955029951899},{"text":"But, yeah, it's just something I haven't been doing.","start":1381.18,"end":1384.7849,"sentiment":"neutral","sentiment_score":-0.021529456186625693},{"text":"But, yes, I I I can see the benefits of it, and I'm all I'm happy with that.","start":1384.7849,"end":1388.965,"sentiment":"neutral","sentiment_score":0.31632963485187954}],"sentiment":"neutral","sentiment_score":0.06815265601842987,"num_words":49,"start":1372.62,"end":1388.965},{"sentences":[{"text":"Mhmm.","start":1396.945,"end":1397.445,"sentiment":"neutral","sentiment_score":0.20197130739688873},{"text":"Mhmm.","start":1410.6,"end":1411.1,"sentiment":"neutral","sentiment_score":0.16201260685920715},{"text":"Okay.","start":1427.75,"end":1428.25,"sentiment":"positive","sentiment_score":0.41585949063301086},{"text":"That sounds great.","start":1428.3099,"end":1429.37,"sentiment":"positive","sentiment_score":0.7038618326187134},{"text":"No.","start":1436.865,"end":1437.105,"sentiment":"neutral","sentiment_score":-0.09950828552246094}],"sentiment":"positive","sentiment_score":0.39884580246039797,"num_words":7,"start":1396.945,"end":1437.105},{"sentences":[{"text":"No.","start":1437.105,"end":1437.345,"sentiment":"neutral","sentiment_score":-0.04728015884757042},{"text":"That's fine.","start":1437.345,"end":1437.985,"sentiment":"neutral","sentiment_score":0.2379414588212967},{"text":"You've that's it's very clear and and can understand it.","start":1437.985,"end":1440.965,"sentiment":"neutral","sentiment_score":-0.045208489056676626},{"text":"You too.","start":1446.305,"end":1447.045,"sentiment":"positive","sentiment_score":0.6785624325275421},{"text":"Perfect.","start":1452.9701,"end":1453.4701,"sentiment":"positive","sentiment_score":0.6726113557815552}],"sentiment":"neutral","sentiment_score":0.125390880566556,"num_words":16,"start":1437.105,"end":1453.4701},{"sentences":[{"text":"Okay.","start":1453.61,"end":1454.11,"sentiment":"positive","sentiment_score":0.4588369131088257},{"text":"Thanks very much.","start":1454.17,"end":1455.15,"sentiment":"positive","sentiment_score":0.7093005379041036},{"text":"Thank you.","start":1455.4501,"end":1456.11,"sentiment":"neutral","sentiment_score":0.014323964715003967},{"text":"Thanks.","start":1456.5701,"end":1457.0701,"sentiment":"positive","sentiment_score":0.4775778353214264},{"text":"Okay.","start":1457.29,"end":1457.77,"sentiment":"neutral","sentiment_score":0.14192965626716614}],"sentiment":"positive","sentiment_score":0.4043617434799671,"num_words":8,"start":1453.61,"end":1457.77},{"sentences":[{"text":"Bye.","start":1457.77,"end":1458.27,"sentiment":"neutral","sentiment_score":0.1324884593486786},{"text":"Bye.","start":1458.41,"end":1458.91,"sentiment":"neutral","sentiment_score":-0.12235835939645769}],"sentiment":"neutral","sentiment_score":0.0050650499761104514,"num_words":2,"start":1457.77,"end":1458.91}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Larissa speaking.\n\nChannel 0: Good\n\nChannel 1: Yes.\n\nChannel 0: afternoon,\n\nChannel 1: How are\n\nChannel 0: Lovisa. This is Veronica from Financial. How are you?\n\nChannel 1: you? I'm good. Thank you. Sorry. I don't know what happened before.\n\nI think it's because I had my headphones connected to my Bluetooth for my computer, and it just did some weird things. So\n\nChannel 0: That's okay. I was like, oh, hopefully, it's not my headset. I'll just try\n\nChannel 1: yes.\n\nChannel 0: you again, but at least I can hear you now. I had you booked in. It is pretty quick today just to go over some research I did on your super investments\n\nChannel 1: Yes.\n\nChannel 0: and the salary sacrifice. Now is still a\n\nChannel 1: Yes.\n\nChannel 0: good time?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: It is.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Beautiful. And just to confirm I am speaking with the right person, could I also please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's Larissa. Date of birth is 03/12/1980, and my address is 11 Robin Street, Burpengary.\n\nChannel 0: Perfect. And how's your day been so far? Been busy?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: It's reporting and yes.\n\nChannel 0: Oh,\n\nChannel 1: I'm I'm\n\nChannel 0: all the\n\nChannel 1: it's\n\nChannel 0: fun stuff.\n\nChannel 1: not that you're not that you're not gonna know what it is, but it's National\n\nChannel 0: Mhmm.\n\nChannel 1: Biosecurity Week. And because that's\n\nChannel 0: Yeah.\n\nChannel 1: our\n\nChannel 0: I don't\n\nChannel 1: work\n\nChannel 0: know\n\nChannel 1: in\n\nChannel 0: what\n\nChannel 1: plant\n\nChannel 0: that is.\n\nChannel 1: it it I I work in plant biosecurity, and we\n\nChannel 0: Yeah.\n\nChannel 1: we run that week. So it's, like, very, very busy. So\n\nChannel 0: Very\n\nChannel 1: for\n\nChannel 0: busy.\n\nChannel 1: us. So look\n\nChannel 0: Yeah.\n\nChannel 1: it up. It's a it'll be an\n\nChannel 0: Yes.\n\nChannel 1: educational educational experience for you.\n\nChannel 0: I will. I will for sure. Like I said, today is pretty straightforward. Sorry. I won't take up too much of your time.\n\nNow do you have access to your emails at the moment by any chance?\n\nChannel 1: I do. Let\n\nChannel 0: Okay.\n\nChannel 1: me just open it up for you. Oh, yes. Yep. I\n\nChannel 0: Yep.\n\nChannel 1: see one here for you. Yep.\n\nChannel 0: Yes. Perfect. So if you can click on that one for me, again, same as\n\nChannel 1: Mhmm.\n\nChannel 0: for the under review, clicking on the link, it just allows you to open up and look at everything first. So let me know if you can see the document. The first one should just say statement of advice\n\nChannel 1: Yes.\n\nChannel 0: and have your details on the cover page there.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Beautiful. So, basically, every time we do make a recommendation, we have to put everything in a statement of advice for you. A lot of it is just compliance, but it's also to make sure that you fully understand everything. So I'll try to keep it as quickly as I can for you, but all the information is there so that you can have a good read over everything, essentially.\n\nChannel 1: Yes. That's good. Thank you.\n\nChannel 0: Yeah. No. That's all good. Now on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under Oktui Financial.\n\nNow on this second page, it talks a little bit about the best interest duty. Have you ever heard of that before?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, essentially, this means we have to act in your best interest\n\nChannel 1: Yes.\n\nChannel 0: at all time, and the\n\nChannel 1: Mhmm.\n\nChannel 0: adviser has to put you in a better position. So always have to make sure we we follow all of that. Now essentially for the recommendation so as you kind of scroll through, you will see some pages talking about scope of advice, which is page\n\nChannel 1: Mhmm.\n\nChannel 0: three. Essentially, this just refers to what we are looking at today. So, essentially, today, we're just looking at your superannuation, having a look at salary sacrifice for you, and then also revisit if we needed to make any changes in regards to your super investments.\n\nChannel 1: Mhmm.\n\nChannel 0: I have also just included some information in regards to setting up a will and a power of attorney. It is\n\nChannel 1: Mhmm.\n\nChannel 0: something I always recommend everyone to consider, so I have just included that for you as well.\n\nChannel 1: Yes.\n\nChannel 0: Otherwise, we're not making any changes to insurances or anything else. It is literally just a super to make it nice and easy. Now what the recommendation actually is is if you can scroll down so kind of as you scroll through, you'll see some\n\nChannel 1: Yep.\n\nChannel 0: personal information. You have\n\nChannel 1: Mhmm.\n\nChannel 0: your assets and liabilities again. You'll kind of\n\nChannel 1: Mhmm.\n\nChannel 0: outline your superinsurances like we touched on during the annual review. And then on page 10, you should have your risk profile.\n\nChannel 1: Yes. I can see that.\n\nChannel 0: Yep. Beautiful. So we're not making any changes whatsoever in regards to the risk profile. We are keeping that at that balance growth. It's very suitable for you for where you are at in terms of time frame, but also a level that you are comfortable with.\n\nFocusing on growth for more like a steady growth, not taking on high risk or anything like that, but still very much focusing on growing your super at a steady pace. So not increasing risk, just literally changing a few things around for you.\n\nChannel 1: Good.\n\nChannel 0: Yep. Beautiful. Now what the recommendation actually is is I often find it easier if you can scroll down through page 16 for me. The recommendation is kind of summarized in a little table.\n\nChannel 1: Okay. Alright. Yep. I'll just make it a bit bigger. I don't need\n\nChannel 0: Yes.\n\nChannel 1: reading glasses, but it's starting to get a little bit harder to see things.\n\nChannel 0: No. That is so cool. Especially this one because there's a lot of numbers kind of crammed into one page.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it can be a little bit like that. Now this basically outlines the recommendation. So part of the research, I also considered just your hub 24 just to make sure if that's still the best super fund for you at the moment. There's always\n\nChannel 1: Mhmm.\n\nChannel 0: new products and features that come out to the market, so it is good to do research just to make sure. There's nothing obviously tying us to have twenty four at all. So it's just kind of good to keep on top of everything just to make sure it's still the best option. And after doing research, it still very much is. So I have recommended that you stay in hub twenty four.\n\nIt is very competitive when it comes to their fees and features and investment choices. And I do use HUB twenty four for my personal super as well.\n\nChannel 1: Yes. Yes. I very much can yes. It's it\n\nChannel 0: Yeah.\n\nChannel 1: does get a lot of returns.\n\nChannel 0: Yes. So it's it's it's very good. So\n\nChannel 1: Mhmm.\n\nChannel 0: what I have recommended, which you can see here, is making a couple of changes to your investments and then\n\nChannel 1: Mhmm.\n\nChannel 0: adding the salary sacrifice.\n\nChannel 1: Okay.\n\nChannel 0: So, otherwise, not making any changes to insurances. So what that actually looks like from a fee saving point of view, if we start there with just your investment. So I have recommended some minor changes to your investments, which I will go through with you shortly. But what\n\nChannel 1: Mhmm.\n\nChannel 0: that looks like is that it's saving you about $483 per year in investment fees alone, which is pretty good.\n\nChannel 1: That's good. Yes.\n\nChannel 0: Yeah. Mhmm. Now you can also see the contribution is a little bit different, and that is introducing that salary sacrifice of a $100 per fortnight. So that still makes a pretty big difference. Now in the appendix, just so that you can see the comparison\n\nChannel 1: Mhmm.\n\nChannel 0: of just doing the investment switches but not introducing salary sacrifice, just so you can kind of have more\n\nChannel 1: Yep.\n\nChannel 0: like an apple to apple comparison, I have included that in the appendix, which is the second document to show you,\n\nChannel 1: Okay.\n\nChannel 0: and it still shows you a pretty big difference. Now if you look at the five year comparison down the bottom there, you can\n\nChannel 1: Mhmm.\n\nChannel 0: kind of see everything forecasted forward. Now this, aside from just the investment fees, also shows the improvement on the returns. So, again,\n\nChannel 1: Yes.\n\nChannel 0: making a couple of minor changes on your investments, you can see that when we are using a five year rolling average, which essentially just means that we are using, obviously, a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened in the market and the portfolio because you obviously can't guarantee performance or what's going to happen. But using that five year time, it gives us a little bit more certainty if that makes sense.\n\nChannel 1: Yes. Yep. Yes.\n\nChannel 0: Yep.\n\nChannel 1: It does.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So you can see that it is improving things a little bit. Not massive, but it's still making a difference of about 0.87%, which, again, compounding with the investment fee saving, it still makes a pretty big difference.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So when we are looking at that five year period of time, you can see that the difference between the current and the recommended is about 35,766 when we are looking at a five year period. Now if we are then using exactly the same figures but keeping your contributions the same, so not introducing salary sacrifice, the difference would be 23,857.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it still\n\nChannel 1: That makes\n\nChannel 0: makes\n\nChannel 1: sense.\n\nChannel 0: a big difference, but, obviously, the\n\nChannel 1: Mhmm.\n\nChannel 0: more money you put in, the more you have to compound and grow.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now the one really good thing as well with the the few changes in the investments is that often when we are selling investments, if they have gone up, there will be capital gains tax associated when we do make a change. So similar to, like, an investment property, if you ever\n\nChannel 1: Mhmm.\n\nChannel 0: were to sell one, you obviously have the capital gains tax component. The same thing works in superannuation. It's all taken care of within the superannuation environment. So not something you'd ever have to pay for yourself or declare on a tax return, but it does happen. So we're obviously trying to minimize that as much as possible.\n\nChannel 1: Yep.\n\nChannel 0: So with a couple of minor changes I have recommended, it is estimated to be no capital gains tax for you, which is great.\n\nChannel 1: Yep. That's good.\n\nChannel 0: Yep. Now if I, for example, were to do a full sell down to change everything completely, it would have been about 5,482, which, obviously, we want to avoid.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Now any questions at all so far? Or that's pretty straightforward.\n\nChannel 1: No. That's that's makes all makes sense to me. Yep.\n\nChannel 0: Yeah. Okay. Beautiful. Now if you scroll down to one page below that, you can then see that I have included a little bit more in regards to the performance between the two portfolios. So if you look, you can see a twelve month, a three years, and\n\nChannel 1: Mhmm.\n\nChannel 0: a five years and ten year comparison. Now when we are looking at twelve, three, and five, the recommended portfolio has outperformed your current one. When we are looking in more long term ten years, your current one has performed a little bit better, but that's also been ten years. And, obviously, a lot\n\nChannel 1: Yes.\n\nChannel 0: happens and changed in the world. So just because something happened ten years ago doesn't necessarily mean it's gonna happen in the future.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: we obviously\n\nChannel 1: No.\n\nChannel 0: consider it, but things do change. And the important thing is the more recent time frames, you can see that the the difference is kind of gradually increasing between the two portfolios.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now what that actually looks like in terms of the investments I have recommended that we change is on page 18, if you can see that.\n\nChannel 1: Yep. Page 18.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yes. So this one here, it might look a little bit messy, but, basically, what it shows is the investment name, so what they are called. You have their kind of special little code. You then have a percentage of how much you currently have in those investment options, what that correlates through from a dollar value, and then you have the buy and sell column. So the buy and sell column, what you have in red is what we are selling or reducing your exposure to.\n\nChannel 1: Mhmm.\n\nChannel 0: And then what's in black, we are either increasing the exposure to or added to your portfolio. Does that make sense?\n\nChannel 1: Yes. Yeah. Yep.\n\nChannel 0: Yep. Beautiful. So it is pretty straightforward. It's only two changes, really. So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity.\n\nChannel 1: Yes.\n\nChannel 0: Now this is the one I kind of touched on during the annual review\n\nChannel 1: Yes.\n\nChannel 0: that was underperforming a little bit and wanted to look at changing. So as a replacement of this one, I have recommended the one at the bottom that says beta shares Australia 200. Now because\n\nChannel 1: Yes.\n\nChannel 0: yeah. Now because we are then changing one Australian investment, we wanted to make sure we still have that Australian exposure. We don't wanna have too much overseas. We wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure we\n\nChannel 1: Mhmm.\n\nChannel 0: we keep things diversified. So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia.\n\nChannel 1: Mhmm.\n\nChannel 0: So all the big companies are very diversified. And, obviously, if something were to happen to one company, it's not gonna impact\n\nChannel 1: Yes.\n\nChannel 0: things as much because you do have exposure to 200 investment options, but in that one single option.\n\nChannel 1: Yep. That makes\n\nChannel 0: Yep.\n\nChannel 1: sense.\n\nChannel 0: Beautiful. Whereas the Benelong one, they are kind of there's a lot less investments, and they are kind of buying and selling a lot more frequent based on what they kind of predict is going to happen. Whereas the a 200, it is kind of tracking the 200 largest. So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off. So that's where you do see a little bit of that saving in the fees because it's a little bit more kind of simplified, but also the performance has been better, which is great.\n\nChannel 1: If that\n\nChannel 0: The\n\nChannel 1: makes sense.\n\nChannel 0: yeah. Now the other change I have recommended is the beta shift bank hybrid, and it's to sell out of that one and switch to another defensive fixed interest investment. The only reason as well is because the bank hybrid is gradually being phased out. And the other investment I have recommended is just the iShares core composite bond. So it's basically just changing it and having that defensive component still in your portfolio.\n\nIt's just basically changing one for another one.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Now the other ones that is red, it's where we are rebalancing your portfolio. So keeping the exposure, just rebalancing everything back into alignment. So, essentially, obviously, over time, different investments do perform differently, which obviously can cause your portfolio to kind of drift away from what it was intended for. So rebalancing basically just means that we are reproportioning everything back into alignment just to make sure that, obviously, everything continues to align with your risk profile, also your long term objectives rather than kind of becoming unintentionally more or less risky, if that makes sense.\n\nChannel 1: Yes. Yes. That's\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So you can see even, for example, that the Global X battery tech and lithium, you currently have 8.07%. Just bringing that back to seven. The gold, 9.81, bringing that to seven. So it's just kind of you still have a good amount of exposure.\n\nIt's just kind of rebalancing things for you. Any questions in regards to any of that?\n\nChannel 1: No. No. I\n\nChannel 0: No?\n\nChannel 1: don't.\n\nChannel 0: No. Beautiful. Now\n\nChannel 1: Mhmm.\n\nChannel 0: on the next page, you can then see just the cash account component. So that is page 19.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So with Hub twenty four, they do have a minimum of 1.25% that needs to be in cash with all their accounts, and that is just to make sure that there's enough money that's liquid for, you know, any fees and stuff like that. Now\n\nChannel 1: Yep.\n\nChannel 0: we want\n\nChannel 1: Yep.\n\nChannel 0: to keep that of as close to that 1.25 as possible. It will fluctuate a little bit short term when you have contributions and stuff going in, but then everything gets rebalanced into your investment portfolio. But we wanna keep it, obviously, as close to that 1.25 as possible because the cash isn't gonna grow as much as your other investments.\n\nChannel 1: No. Yes.\n\nChannel 0: No. Now\n\nChannel 1: Yep.\n\nChannel 0: if you can then scroll to the next page, it says page 20. You should have a proposed asset allocation, and it's like a pie chart and a table.\n\nChannel 1: Oh, yep. Yep.\n\nChannel 0: Yep. Beautiful. So what this one basically shows you is the risk profile. So on the second column, you can see your risk profile, which is sitting usually around that 70 to 30\n\nChannel 1: Mhmm.\n\nChannel 0: split, about 70 growth, 30 defensive. It does change a little bit, obviously, with market prices and everything like that. But around that, you then have\n\nChannel 1: Yep.\n\nChannel 0: your existing, which is seventy two ninety nine growth, defensive, 27.01, and then you have your proposed, which is about $74.85, and defensive $25.15. So they're both still very much aligned\n\nChannel 1: Mhmm.\n\nChannel 0: with that balanced growth portfolio. Anything over 80 is then when you get to the next category. Yep. Does that make sense?\n\nChannel 1: Okay. Yes. Yeah. Yes.\n\nChannel 0: Yep. Yep. Perfect. Now any questions before I kind of move on to show you the salary sacrifice?\n\nChannel 1: No. No. It's\n\nChannel 0: No.\n\nChannel 1: yes. It all makes sense, and it makes sense why you would be getting changing out of the other one for a new\n\nChannel 0: Yes.\n\nChannel 1: for a new one and rebalancing it. Yeah. Yep. It does\n\nChannel 0: Yes.\n\nChannel 1: make sense. Yeah.\n\nChannel 0: Okay. Perfect. Now with the salary sacrifice, I have showed you what that looks like on page 21. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the good thing with salary sacrifice is that you can always change it with your employer as well depending on what's happening. So if it is that you start the $100 a fortnight, your cash flow or situation change, and you can't continue, you can always stop it and restart it whenever you want to as well. So it obviously gives you the flexibility. So it's not something you locked in through, and then that stays for the whole year.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Now the really good thing with salary sacrifice is that it is a very tax effective way of boosting your superannuation. Because how it works is that contributions inside superannuation, it does get taxed, but at a discounted rate of 15\n\nChannel 1: Mhmm.\n\nChannel 0: percent versus your marginal tax rate including that medical levy, which is about 39%. So that's kind of where you do get the big savings. Now how that actually changes things for you, you can see here on the little table. So you first have how it changes your salary. So your your current salary.\n\nSo thank you so much for sending that through.\n\nChannel 1: Mhmm.\n\nChannel 0: That\n\nChannel 1: It's\n\nChannel 0: was\n\nChannel 1: alright.\n\nChannel 0: great. The tax you pay, obviously, on the salary and then the net\n\nChannel 1: Mhmm.\n\nChannel 0: income. Now by salary is sacrificing a $100 per fortnight. The difference on a yearly basis is only really 1,586. So you will\n\nChannel 1: Okay.\n\nChannel 0: have less in your bank accounts over a year. So, obviously, something to consider.\n\nChannel 1: Mhmm.\n\nChannel 0: But over a year, it doesn't doesn't always make a massive difference. Sometimes when you think about\n\nChannel 1: Mhmm.\n\nChannel 0: a $100 a fortnight, you're like, oh, can I do that? But then when you look at it from after this net tax savings, it's sometimes more realistic than what you think.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: But, obviously,\n\nChannel 1: Particularly\n\nChannel 0: something\n\nChannel 1: since\n\nChannel 0: to be\n\nChannel 1: I've just and I've got a pay rise, so it's like it's\n\nChannel 0: yes.\n\nChannel 1: not as if it's, like, cutting into things that I haven't done before. Yet.\n\nChannel 0: Exactly. Because the one thing to remind for love is, obviously, money that you put into superannuation, it is locked in until you meet a condition of release. So if you do end up doing the salary sacrifice and then you something happens and you need\n\nChannel 1: Mhmm.\n\nChannel 0: you need the money, it is locked in into a super until you meet that condition of release. So, obviously, something\n\nChannel 1: Yep.\n\nChannel 0: to remind for a lot of that, it's not money that you need access to anytime soon. So, obviously, something to be mindful of. Now what that actually then does to you super is on the kind of the second part of this table. So you can see that by salary sacrificing a $100 per fortnight because of kind of the tax changes,\n\nChannel 1: Mhmm.\n\nChannel 0: it will give you an additional 2,210 into super each year.\n\nChannel 1: Mhmm.\n\nChannel 0: So, basically,\n\nChannel 1: Yep.\n\nChannel 0: the difference is then $625, which does make a pretty\n\nChannel 1: Yes.\n\nChannel 0: big difference, and that's just\n\nChannel 1: Yes.\n\nChannel 0: the tax\n\nChannel 1: It does.\n\nChannel 0: saving.\n\nChannel 1: With yep. Yep. Yes.\n\nChannel 0: Does that all make sense?\n\nChannel 1: Yes. It does. Yes.\n\nChannel 0: Yep. Yep. Perfect. Now on the next pages, it kind of talks about basically what I just told you in terms of outlining the advantages. It's a very tax effective way to boosting your superannuation.\n\nYou're obviously paying a lot less tax on that. But the disadvantage is, obviously, you will have less income available if you need to, and it is obviously locked until you meet a condition of release. One of the risks to be mindful of is obviously legislation changes. It's something we keep an eye on\n\nChannel 1: Mhmm.\n\nChannel 0: for you, but if anything were to change, we will let you know. And if also you decide that, oh, okay. I wanna do a thousand dollars for fortnight. Or if you wanna change it drastically, I'll say just let me know. Let me just run the math\n\nChannel 1: Yep.\n\nChannel 0: for you first because I don't want you to exceed that concessional cap of 32,500.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Now that was essentially everything. So as you scroll through, you will then see some information, like I mentioned, in regards to a will and also power of attorney. So I'll let you kind of have a read over that in your own time. Like I said, I do recommend it to everybody. Just have a read over it if it is something that you are interested in.\n\nOtherwise, there is no changes in regards to the fee structure. Like I mentioned during the annual review, it stays exactly the\n\nChannel 1: Mhmm.\n\nChannel 0: same, and there's no additional fees and charges whatsoever in regards to this advice piece or if you wanted to go ahead. That is all part of the ongoing service.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Now do you have any questions in regards to anything, or what are your thoughts on all of this?\n\nChannel 1: No. No. I don't. I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government. But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it's just something I haven't been doing. But, yes, I I I can see the benefits of it, and I'm all I'm happy with that.\n\nChannel 0: Okay. Beautiful. So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you\n\nChannel 1: Mhmm.\n\nChannel 0: are more than welcome to do so. If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally. It's the same as what you did for the annual\n\nChannel 1: Mhmm.\n\nChannel 0: review. It will ask you for your signature and your date. It should just be that one document that you are in. That will then send it back to me, and that lets me know that you are happy with the recommendation. I will let the team know, and then we'll go ahead and make these couple of changes for you.\n\nChannel 1: Okay. That sounds great.\n\nChannel 0: Yep. Beautiful. Now do you have any questions for me before I let you go and get back to your busy day otherwise?\n\nChannel 1: No. No. That's fine. You've\n\nChannel 0: No.\n\nChannel 1: that's it's very clear and and can understand\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Okay. Beautiful. Well, thank you so much for your time today, Larissa. It was lovely speaking with you.\n\nChannel 1: You too.\n\nChannel 0: Anything you need, let me know. But, otherwise, I'll just keep a look at to see what you want to do. Yep.\n\nChannel 1: Perfect. Okay. Thanks very much.\n\nChannel 0: No\n\nChannel 1: Thank\n\nChannel 0: no\n\nChannel 1: you.\n\nChannel 0: worries. We'll speak soon.\n\nChannel 1: Thanks. Okay.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.76,"sentiment":"neutral","sentiment_score":0.05331503599882126},{"text":"Larissa 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far?","start":626.99,"end":629.14996,"sentiment":"neutral","sentiment_score":0.10284287588936943},{"text":"Or that's pretty straightforward.","start":629.14996,"end":630.77,"sentiment":"neutral","sentiment_score":0.11947083938866854}],"sentiment":"neutral","sentiment_score":0.10888940807093274,"channel":0,"num_words":11,"start":626.99,"end":630.77},{"sentences":[{"text":"No.","start":631.8,"end":632.12,"sentiment":"neutral","sentiment_score":-0.07809115946292877},{"text":"That's that's makes all makes sense to 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that.","start":692.95996,"end":701.195,"sentiment":"neutral","sentiment_score":0.09271820964148411}],"sentiment":"neutral","sentiment_score":0.10477807093411684,"channel":0,"num_words":28,"start":691.2,"end":701.195},{"sentences":[{"text":"Yep.","start":704.04004,"end":704.36005,"sentiment":"neutral","sentiment_score":0.03682200610637665},{"text":"Page 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to.","start":727.2,"end":734.925,"sentiment":"neutral","sentiment_score":0.003957475092084635}],"sentiment":"neutral","sentiment_score":0.03362117810495969,"channel":0,"num_words":87,"start":705.575,"end":734.925},{"sentences":[{"text":"Mhmm.","start":734.9,"end":735.375,"sentiment":"neutral","sentiment_score":0.011250643990933897}],"sentiment":"neutral","sentiment_score":0.011250643990933897,"channel":1,"num_words":1,"start":734.9,"end":735.375},{"sentences":[{"text":"And then what's in black, we are either increasing the exposure to or added to your portfolio.","start":735.385,"end":741.005,"sentiment":"neutral","sentiment_score":0.007143382969148019},{"text":"Does that make sense?","start":741.14496,"end":742.20496,"sentiment":"neutral","sentiment_score":0.0227899975143373}],"sentiment":"neutral","sentiment_score":0.010123690501565025,"channel":0,"num_words":21,"start":735.385,"end":742.20496},{"sentences":[{"text":"Yes.","start":742.495,"end":742.975,"sentiment":"neutral","sentiment_score":0.049321502447128296},{"text":"Yeah.","start":742.975,"end":743.295,"sentiment":"neutral","sentiment_score":0.06711601465940475},{"text":"Yep.","start":743.295,"end":743.795,"sentiment":"neutral","sentiment_score":0.1008903980255127}],"sentiment":"neutral","sentiment_score":0.07244263837734859,"channel":1,"num_words":3,"start":742.495,"end":743.795},{"sentences":[{"text":"Yep.","start":743.385,"end":743.70496,"sentiment":"neutral","sentiment_score":0.19072479009628296},{"text":"Beautiful.","start":743.70496,"end":744.20496,"sentiment":"positive","sentiment_score":0.5654046535491943},{"text":"So it is pretty straightforward.","start":744.59,"end":745.97003,"sentiment":"positive","sentiment_score":0.3814839541912079},{"text":"It's only two changes, really.","start":746.03,"end":748.61,"sentiment":"neutral","sentiment_score":0.13055569380521775},{"text":"So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity.","start":749.15,"end":757.57,"sentiment":"neutral","sentiment_score":0.056415328111212984}],"sentiment":"neutral","sentiment_score":0.12587174248734587,"channel":0,"num_words":38,"start":743.385,"end":757.57},{"sentences":[{"text":"Yes.","start":757.61005,"end":758.11005,"sentiment":"neutral","sentiment_score":0.03424627706408501}],"sentiment":"neutral","sentiment_score":0.03424627706408501,"channel":1,"num_words":1,"start":757.61005,"end":758.11005},{"sentences":[{"text":"Now this is the one I kind of touched on during the annual 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because","start":775.35,"end":776.33,"sentiment":"neutral","sentiment_score":0.01655845157802105}],"sentiment":"neutral","sentiment_score":-0.009568837151995727,"channel":0,"num_words":35,"start":761.235,"end":776.33},{"sentences":[{"text":"Yes.","start":775.85504,"end":776.35504,"sentiment":"neutral","sentiment_score":0.02136055752635002}],"sentiment":"neutral","sentiment_score":0.02136055752635002,"channel":1,"num_words":1,"start":775.85504,"end":776.35504},{"sentences":[{"text":"yeah.","start":776.70996,"end":777.20996,"sentiment":"neutral","sentiment_score":0.020216304808855057},{"text":"Now because we are then changing one Australian investment, we wanted to make sure we still have that Australian exposure.","start":777.83,"end":784.25,"sentiment":"neutral","sentiment_score":0.008245908794924617},{"text":"We don't wanna have too much overseas.","start":784.63,"end":786.875,"sentiment":"neutral","sentiment_score":-0.039841579007250924},{"text":"We wanna","start":786.875,"end":787.35504,"sentiment":"neutral","sentiment_score":0.02561977691948414}],"sentiment":"neutral","sentiment_score":-0.0014172339501480262,"channel":0,"num_words":30,"start":776.70996,"end":787.35504},{"sentences":[{"text":"Yep.","start":787.26996,"end":787.76996,"sentiment":"neutral","sentiment_score":0.021127892658114433}],"sentiment":"neutral","sentiment_score":0.021127892658114433,"channel":1,"num_words":1,"start":787.26996,"end":787.76996},{"sentences":[{"text":"make sure we","start":787.35504,"end":787.91504,"sentiment":"neutral","sentiment_score":0.016036529714862507}],"sentiment":"neutral","sentiment_score":0.016036529714862507,"channel":0,"num_words":3,"start":787.35504,"end":787.91504},{"sentences":[{"text":"Mhmm.","start":787.91,"end":788.41,"sentiment":"neutral","sentiment_score":0.017692815512418747}],"sentiment":"neutral","sentiment_score":0.017692815512418747,"channel":1,"num_words":1,"start":787.91,"end":788.41},{"sentences":[{"text":"we keep things diversified.","start":787.91504,"end":789.295,"sentiment":"neutral","sentiment_score":0.02663882914930582},{"text":"So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia.","start":790.155,"end":803.58,"sentiment":"neutral","sentiment_score":0.05214965884806588}],"sentiment":"neutral","sentiment_score":0.04931512221487032,"channel":0,"num_words":36,"start":787.91504,"end":803.58},{"sentences":[{"text":"Mhmm.","start":803.7,"end":804.2,"sentiment":"neutral","sentiment_score":0.02449437789618969}],"sentiment":"neutral","sentiment_score":0.02449437789618969,"channel":1,"num_words":1,"start":803.7,"end":804.2},{"sentences":[{"text":"So all the big companies are very diversified.","start":804.28,"end":806.7,"sentiment":"neutral","sentiment_score":0.02417514636181295},{"text":"And, obviously, if something were to happen to one company, it's not gonna 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going to happen.","start":821.33496,"end":831.63,"sentiment":"neutral","sentiment_score":-0.009474595630308613},{"text":"Whereas the a 200, it is kind of tracking the 200 largest.","start":832.01,"end":836.35,"sentiment":"neutral","sentiment_score":0.02017033916975682},{"text":"So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off.","start":836.81,"end":844.175,"sentiment":"neutral","sentiment_score":0.010298475423561675},{"text":"So that's where you do see a little bit of that saving in the fees because it's a little bit more kind of simplified, but also the performance has been better, which is great.","start":844.555,"end":853.935,"sentiment":"positive","sentiment_score":0.3661750695284675}],"sentiment":"neutral","sentiment_score":0.11644193659188343,"channel":0,"num_words":111,"start":820.695,"end":853.935},{"sentences":[{"text":"If 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the next page, you can then see just the cash account component.","start":966.93,"end":970.79004,"sentiment":"neutral","sentiment_score":0.02890234927718456},{"text":"So that is page 19.","start":971.09,"end":972.87,"sentiment":"neutral","sentiment_score":0.030199985578656198}],"sentiment":"neutral","sentiment_score":0.029262803805371124,"channel":0,"num_words":18,"start":966.93,"end":972.87},{"sentences":[{"text":"Yep.","start":974.15247,"end":974.65247,"sentiment":"neutral","sentiment_score":0.07505872845649719}],"sentiment":"neutral","sentiment_score":0.07505872845649719,"channel":1,"num_words":1,"start":974.15247,"end":974.65247},{"sentences":[{"text":"Yep.","start":975.89,"end":976.39,"sentiment":"neutral","sentiment_score":0.07164957374334335},{"text":"So with Hub twenty four, they do have a minimum of 1.25% that needs to be in cash with all their accounts, and that is just to make sure that there's enough money that's liquid for, you know, any fees and stuff like 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whatsoever in regards to this advice piece or if you wanted to go ahead.","start":1356.345,"end":1363.325,"sentiment":"neutral","sentiment_score":0.28648579256101087},{"text":"That is all part of the ongoing service.","start":1363.5449,"end":1366.0449,"sentiment":"neutral","sentiment_score":0.33164360374212265}],"sentiment":"neutral","sentiment_score":0.2985278755426407,"channel":0,"num_words":30,"start":1356.345,"end":1366.0449},{"sentences":[{"text":"Okay.","start":1366.6349,"end":1366.955,"sentiment":"neutral","sentiment_score":0.20015957951545715},{"text":"Okay.","start":1366.955,"end":1367.455,"sentiment":"neutral","sentiment_score":0.14750714600086212}],"sentiment":"neutral","sentiment_score":0.17383336275815964,"channel":1,"num_words":2,"start":1366.6349,"end":1367.455},{"sentences":[{"text":"Now do you have any questions in regards to anything, or what are your thoughts on all of this?","start":1367.06,"end":1371.56,"sentiment":"neutral","sentiment_score":0.10637493274713818}],"sentiment":"neutral","sentiment_score":0.10637493274713818,"channel":0,"num_words":19,"start":1367.06,"end":1371.56},{"sentences":[{"text":"No.","start":1372.2201,"end":1372.62,"sentiment":"neutral","sentiment_score":-0.07980361580848694},{"text":"No.","start":1372.62,"end":1372.9401,"sentiment":"neutral","sentiment_score":-0.10072187334299088},{"text":"I don't.","start":1372.9401,"end":1373.42,"sentiment":"neutral","sentiment_score":-0.14715242385864258},{"text":"I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government.","start":1373.42,"end":1380.88,"sentiment":"neutral","sentiment_score":-0.09292955029951899},{"text":"But, yeah,","start":1381.18,"end":1382.14,"sentiment":"neutral","sentiment_score":-0.03441864252090454}],"sentiment":"neutral","sentiment_score":-0.09237316310405731,"channel":1,"num_words":25,"start":1372.2201,"end":1382.14},{"sentences":[{"text":"Yeah.","start":1382.02,"end":1382.475,"sentiment":"neutral","sentiment_score":0.00913502648472786}],"sentiment":"neutral","sentiment_score":0.00913502648472786,"channel":0,"num_words":1,"start":1382.02,"end":1382.475},{"sentences":[{"text":"it's just something I haven't been doing.","start":1382.14,"end":1384.7849,"sentiment":"neutral","sentiment_score":-0.01784683151968888},{"text":"But, yes, I I I can see the benefits of it, and I'm all I'm happy with that.","start":1384.7849,"end":1388.965,"sentiment":"neutral","sentiment_score":0.31632963485187954}],"sentiment":"neutral","sentiment_score":0.2227602242678404,"channel":1,"num_words":25,"start":1382.14,"end":1388.965},{"sentences":[{"text":"Okay.","start":1389.515,"end":1389.9149,"sentiment":"neutral","sentiment_score":0.2930818796157837},{"text":"Beautiful.","start":1389.9149,"end":1390.4149,"sentiment":"positive","sentiment_score":0.4630814790725708},{"text":"So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you","start":1390.955,"end":1397.07,"sentiment":"neutral","sentiment_score":0.18056960900624594}],"sentiment":"neutral","sentiment_score":0.1977445716443269,"channel":0,"num_words":23,"start":1389.515,"end":1397.07},{"sentences":[{"text":"Mhmm.","start":1396.945,"end":1397.445,"sentiment":"neutral","sentiment_score":0.20197130739688873}],"sentiment":"neutral","sentiment_score":0.20197130739688873,"channel":1,"num_words":1,"start":1396.945,"end":1397.445},{"sentences":[{"text":"are more than welcome to do so.","start":1397.07,"end":1398.9299,"sentiment":"neutral","sentiment_score":0.26318059648786274},{"text":"If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally.","start":1399.23,"end":1409.07,"sentiment":"neutral","sentiment_score":0.19952169849592097},{"text":"It's the same as what you did for the annual","start":1409.07,"end":1411.0149,"sentiment":"neutral","sentiment_score":0.24450284391641616}],"sentiment":"neutral","sentiment_score":0.2170790267341277,"channel":0,"num_words":51,"start":1397.07,"end":1411.0149},{"sentences":[{"text":"Mhmm.","start":1410.6,"end":1411.1,"sentiment":"neutral","sentiment_score":0.16201260685920715}],"sentiment":"neutral","sentiment_score":0.16201260685920715,"channel":1,"num_words":1,"start":1410.6,"end":1411.1},{"sentences":[{"text":"review.","start":1411.475,"end":1411.715,"sentiment":"neutral","sentiment_score":0.20203275978565216},{"text":"It will ask you for your signature and your date.","start":1411.715,"end":1414.195,"sentiment":"neutral","sentiment_score":0.17626404911279678},{"text":"It should just be that one document that you are in.","start":1414.195,"end":1417.335,"sentiment":"neutral","sentiment_score":0.2554687559604645},{"text":"That will then send it back to me, and that lets me know that you are happy with the recommendation.","start":1417.6349,"end":1422.5349,"sentiment":"positive","sentiment_score":0.3755581393837929},{"text":"I will let the team know, and then we'll go ahead and make these couple of changes for you.","start":1423.3301,"end":1427.67,"sentiment":"neutral","sentiment_score":0.2893164448047939}],"sentiment":"neutral","sentiment_score":0.2915246689417323,"channel":0,"num_words":61,"start":1411.475,"end":1427.67},{"sentences":[{"text":"Okay.","start":1427.75,"end":1428.25,"sentiment":"positive","sentiment_score":0.41585949063301086},{"text":"That sounds great.","start":1428.3099,"end":1429.37,"sentiment":"positive","sentiment_score":0.7038618326187134}],"sentiment":"positive","sentiment_score":0.6318612471222878,"channel":1,"num_words":4,"start":1427.75,"end":1429.37},{"sentences":[{"text":"Yep.","start":1429.17,"end":1429.67,"sentiment":"positive","sentiment_score":0.4105183482170105},{"text":"Beautiful.","start":1430.05,"end":1430.55,"sentiment":"positive","sentiment_score":0.5967972278594971},{"text":"Now do you have any questions for me before I let you go and get back to your busy day otherwise?","start":1430.6901,"end":1435.67,"sentiment":"neutral","sentiment_score":0.13717308995269595}],"sentiment":"neutral","sentiment_score":0.1690413245688314,"channel":0,"num_words":23,"start":1429.17,"end":1435.67},{"sentences":[{"text":"No.","start":1436.865,"end":1437.105,"sentiment":"neutral","sentiment_score":-0.09950828552246094},{"text":"No.","start":1437.105,"end":1437.345,"sentiment":"neutral","sentiment_score":-0.04728015884757042},{"text":"That's fine.","start":1437.345,"end":1437.985,"sentiment":"neutral","sentiment_score":0.2379414588212967},{"text":"You've","start":1437.985,"end":1438.105,"sentiment":"neutral","sentiment_score":-0.01542834099382162}],"sentiment":"neutral","sentiment_score":0.06273322645574808,"channel":1,"num_words":5,"start":1436.865,"end":1438.105},{"sentences":[{"text":"No.","start":1438.055,"end":1438.555,"sentiment":"neutral","sentiment_score":-0.07919115573167801}],"sentiment":"neutral","sentiment_score":-0.07919115573167801,"channel":0,"num_words":1,"start":1438.055,"end":1438.555},{"sentences":[{"text":"that's it's very clear and and can understand","start":1438.225,"end":1440.465,"sentiment":"neutral","sentiment_score":-0.06216146890074015}],"sentiment":"neutral","sentiment_score":-0.06216146890074015,"channel":1,"num_words":8,"start":1438.225,"end":1440.465},{"sentences":[{"text":"Yeah.","start":1440.2151,"end":1440.7151,"sentiment":"neutral","sentiment_score":0.014220716431736946}],"sentiment":"neutral","sentiment_score":0.014220716431736946,"channel":0,"num_words":1,"start":1440.2151,"end":1440.7151},{"sentences":[{"text":"it.","start":1440.465,"end":1440.965,"sentiment":"neutral","sentiment_score":0.06063520163297653}],"sentiment":"neutral","sentiment_score":0.06063520163297653,"channel":1,"num_words":1,"start":1440.465,"end":1440.965},{"sentences":[{"text":"Okay.","start":1441.3351,"end":1441.8351,"sentiment":"neutral","sentiment_score":0.31076866388320923},{"text":"Beautiful.","start":1441.895,"end":1442.395,"sentiment":"positive","sentiment_score":0.681519627571106},{"text":"Well, thank you so much for your time today, Larissa.","start":1442.4551,"end":1444.335,"sentiment":"positive","sentiment_score":0.7733155012130737},{"text":"It was lovely speaking with you.","start":1444.335,"end":1446.155,"sentiment":"positive","sentiment_score":0.9015004734198252}],"sentiment":"positive","sentiment_score":0.785247008005778,"channel":0,"num_words":18,"start":1441.3351,"end":1446.155},{"sentences":[{"text":"You too.","start":1446.305,"end":1447.045,"sentiment":"positive","sentiment_score":0.6785624325275421}],"sentiment":"positive","sentiment_score":0.6785624325275421,"channel":1,"num_words":2,"start":1446.305,"end":1447.045},{"sentences":[{"text":"Anything you need, let me know.","start":1446.775,"end":1448.795,"sentiment":"neutral","sentiment_score":0.3083463137348493},{"text":"But, otherwise, I'll just keep a look at to see what you want to do.","start":1448.8551,"end":1452.47,"sentiment":"neutral","sentiment_score":0.255337984363238},{"text":"Yep.","start":1452.47,"end":1452.97,"sentiment":"neutral","sentiment_score":0.2525606155395508}],"sentiment":"neutral","sentiment_score":0.26966855742714624,"channel":0,"num_words":22,"start":1446.775,"end":1452.97},{"sentences":[{"text":"Perfect.","start":1452.9701,"end":1453.4701,"sentiment":"positive","sentiment_score":0.6726113557815552},{"text":"Okay.","start":1453.61,"end":1454.11,"sentiment":"positive","sentiment_score":0.4588369131088257},{"text":"Thanks very much.","start":1454.17,"end":1455.15,"sentiment":"positive","sentiment_score":0.7093005379041036}],"sentiment":"positive","sentiment_score":0.6518699765205384,"channel":1,"num_words":5,"start":1452.9701,"end":1455.15},{"sentences":[{"text":"No","start":1454.87,"end":1455.37,"sentiment":"neutral","sentiment_score":-0.0816047340631485}],"sentiment":"neutral","sentiment_score":-0.0816047340631485,"channel":0,"num_words":1,"start":1454.87,"end":1455.37},{"sentences":[{"text":"Thank","start":1455.4501,"end":1455.61,"sentiment":"neutral","sentiment_score":-0.042548298835754395}],"sentiment":"neutral","sentiment_score":-0.042548298835754395,"channel":1,"num_words":1,"start":1455.4501,"end":1455.61},{"sentences":[{"text":"no","start":1455.59,"end":1455.75,"sentiment":"neutral","sentiment_score":-0.05281360447406769}],"sentiment":"neutral","sentiment_score":-0.05281360447406769,"channel":0,"num_words":1,"start":1455.59,"end":1455.75},{"sentences":[{"text":"you.","start":1455.61,"end":1456.11,"sentiment":"neutral","sentiment_score":0.07119622826576233}],"sentiment":"neutral","sentiment_score":0.07119622826576233,"channel":1,"num_words":1,"start":1455.61,"end":1456.11},{"sentences":[{"text":"worries.","start":1455.75,"end":1456.07,"sentiment":"neutral","sentiment_score":-0.02669117972254753},{"text":"We'll speak soon.","start":1456.07,"end":1457.0499,"sentiment":"neutral","sentiment_score":0.11366662755608559}],"sentiment":"neutral","sentiment_score":0.07857717573642731,"channel":0,"num_words":4,"start":1455.75,"end":1457.0499},{"sentences":[{"text":"Thanks.","start":1456.5701,"end":1457.0701,"sentiment":"positive","sentiment_score":0.4775778353214264},{"text":"Okay.","start":1457.29,"end":1457.77,"sentiment":"neutral","sentiment_score":0.14192965626716614}],"sentiment":"neutral","sentiment_score":0.30975374579429626,"channel":1,"num_words":2,"start":1456.5701,"end":1457.77},{"sentences":[{"text":"Okay.","start":1457.4299,"end":1457.9299,"sentiment":"neutral","sentiment_score":0.1457468867301941}],"sentiment":"neutral","sentiment_score":0.1457468867301941,"channel":0,"num_words":1,"start":1457.4299,"end":1457.9299},{"sentences":[{"text":"Bye.","start":1457.77,"end":1458.27,"sentiment":"neutral","sentiment_score":0.1324884593486786}],"sentiment":"neutral","sentiment_score":0.1324884593486786,"channel":1,"num_words":1,"start":1457.77,"end":1458.27},{"sentences":[{"text":"Bye.","start":1457.99,"end":1458.49,"sentiment":"neutral","sentiment_score":0.10012678802013396}],"sentiment":"neutral","sentiment_score":0.10012678802013396,"channel":0,"num_words":1,"start":1457.99,"end":1458.49},{"sentences":[{"text":"Bye.","start":1458.41,"end":1458.91,"sentiment":"neutral","sentiment_score":-0.12235835939645769}],"sentiment":"neutral","sentiment_score":-0.12235835939645769,"channel":1,"num_words":1,"start":1458.41,"end":1458.91}]},"summary":{"result":"success","short":"A representative from Financial calls Lovisa to discuss her personalized investment strategy called hub 24, which is a competitive fee and features plan. The strategy is expected to improve returns and reduce capital gains taxes, and is recommended for small changes to the investment portfolio. The speaker emphasizes the importance of researching the risk profile and emphasizes the benefits of the recommendation. They also discuss changes to the portfolio, including a reduction in exposure to Australia and a shift to a beta share bond. The speaker provides information on the risk profile and proposed asset allocation, and recommends signing a document digitally to receive a recommendation."},"intents":{"segments":[{"text":"Larissa speaking. Good Yes. afternoon, How are Lovisa. This is Veronica from Financial. How are you? you?","start_word":1,"end_word":17,"intents":[{"intent":"Inquire about conversation","confidence_score":0.0028147548}]},{"text":"Thank you. Sorry.","start_word":20,"end_word":22,"intents":[{"intent":"Express gratitude","confidence_score":0.09484609},{"intent":"Express gratitude","confidence_score":0.014255593},{"intent":"Thank speaker","confidence_score":0.0011666847}]},{"text":"And just to confirm I am speaking with the right person, could I also please get you to confirm your full name, date of birth, and address, please? It's Larissa.","start_word":154,"end_word":183,"intents":[{"intent":"Confirm identity","confidence_score":0.2988749},{"intent":"Confirm identity","confidence_score":0.0072762887},{"intent":"Confirm understanding","confidence_score":0.07471485},{"intent":"Verify identity","confidence_score":0.005507985}]},{"text":"I will for sure. Like I said, today is pretty straightforward. Sorry.","start_word":298,"end_word":309,"intents":[{"intent":"Propose solution","confidence_score":0.000049333972}]},{"text":"I won't take up too much of your time.","start_word":310,"end_word":318,"intents":[{"intent":"Decline offer","confidence_score":0.004393769},{"intent":"Reject offer","confidence_score":0.0055396412}]},{"text":"Now do you have access to your emails at the moment by any chance?","start_word":320,"end_word":333,"intents":[{"intent":"Update contacts","confidence_score":0.00013696487}]},{"text":"I have also just included some information in regards to setting up a will and a power of attorney. It is something Mhmm.","start_word":672,"end_word":694,"intents":[{"intent":"Provide details","confidence_score":0.000038719296}]},{"text":"I have also just included some information in regards to setting up a will and a power of attorney. It is something Mhmm. I always recommend everyone to consider, so I have just included that for you as well. Yes.","start_word":672,"end_word":711,"intents":[{"intent":"Describe recommendations","confidence_score":0.0127652045}]},{"text":"I always recommend everyone to consider, so I have just included that for you as well. Yes.","start_word":694,"end_word":710,"intents":[{"intent":"Recommend options","confidence_score":0.010020681}]},{"text":"Now what the recommendation actually is is I often find it easier if you can scroll down through page 16 for me. The recommendation is kind of summarized in a little table. Okay.","start_word":892,"end_word":924,"intents":[{"intent":"Highlight efficiencies","confidence_score":0.00003906213}]},{"text":"So I have recommended that you stay in hub twenty four. It is very competitive when it comes to their fees and features and investment choices. And I do use HUB twenty four for my personal super as well. Yes. Yes.","start_word":1082,"end_word":1122,"intents":[{"intent":"Evaluate investment options","confidence_score":0.024643725}]},{"text":"making a couple of minor changes on your investments, you can see that when we are using a five year rolling average, which essentially just means that we are using, obviously, a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened in the market and the portfolio because you obviously can't guarantee performance or what's going to happen.","start_word":1384,"end_word":1457,"intents":[{"intent":"Educate about investment","confidence_score":0.00018289301}]},{"text":"Now what that actually looks like in terms of the investments I have recommended that we change is on page 18, if you can see that.","start_word":1978,"end_word":2003,"intents":[{"intent":"Highlight investment recommendations","confidence_score":0.000658715}]},{"text":"It's only two changes, really. So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity. Yes.","start_word":2128,"end_word":2159,"intents":[{"intent":"Recommend changes","confidence_score":0.02483853},{"intent":"Change investments","confidence_score":0.0009583126}]},{"text":"So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia. Mhmm.","start_word":2250,"end_word":2282,"intents":[{"intent":"Divide investments","confidence_score":0.00072747614}]},{"text":"things as much because you do have exposure to 200 investment options, but in that one single option. Yep.","start_word":2306,"end_word":2324,"intents":[{"intent":"Keep investment options","confidence_score":0.001270562}]},{"text":"Whereas the a 200, it is kind of tracking the 200 largest. So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off.","start_word":2366,"end_word":2405,"intents":[{"intent":"Track company growth","confidence_score":0.096134044}]},{"text":"Now the other change I have recommended is the beta shift bank hybrid, and it's to sell out of that one and switch to another defensive fixed interest investment.","start_word":2446,"end_word":2474,"intents":[{"intent":"Selling bank hybrid","confidence_score":0.16752009},{"intent":"Selling bank hybrid","confidence_score":0.41698778}]},{"text":"Now the other ones that is red, it's where we are rebalancing your portfolio. So keeping the exposure, just rebalancing everything back into alignment.","start_word":2530,"end_word":2553,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.48500353},{"intent":"Rebalancing portfolio","confidence_score":0.033072192}]},{"text":"So, essentially, obviously, over time, different investments do perform differently, which obviously can cause your portfolio to kind of drift away from what it was intended for. So rebalancing basically just means that we are reproportioning everything back into alignment just to make sure that, obviously, everything continues to align with your risk profile, also your long term objectives rather than kind of becoming unintentionally more or less risky, if that makes sense. Yes.","start_word":2554,"end_word":2627,"intents":[{"intent":"Revolving portfolio","confidence_score":0.0013136609}]},{"text":"to keep that of as close to that 1.25 as possible.","start_word":2772,"end_word":2782,"intents":[{"intent":"Keeping balance","confidence_score":0.0020485276}]},{"text":"It will fluctuate a little bit short term when you have contributions and stuff going in, but then everything gets rebalanced into your investment portfolio. But we wanna keep it, obviously, as close to that 1.25 as possible because the cash isn't gonna grow as much as your other investments. No. Yes.","start_word":2784,"end_word":2835,"intents":[{"intent":"Adjust portfolio","confidence_score":0.052868668}]},{"text":"So what this one basically shows you is the risk profile. So on the second column, you can see your risk profile, which is sitting usually around that 70 to 30 Mhmm.","start_word":2872,"end_word":2903,"intents":[{"intent":"Show risk profile","confidence_score":0.82534176}]},{"text":"the good thing with salary sacrifice is that you can always change it with your employer as well depending on what's happening.","start_word":3070,"end_word":3091,"intents":[{"intent":"Change employer","confidence_score":0.033503313},{"intent":"Change salary sacrifice","confidence_score":0.20218924}]},{"text":"The tax you pay, obviously, on the salary and then the net Mhmm. income.","start_word":3264,"end_word":3277,"intents":[{"intent":"Explain salary benefits","confidence_score":0.006972057}]},{"text":"It's a very tax effective way to boosting your superannuation. You're obviously paying a lot less tax on that. But the disadvantage is, obviously, you will have less income available if you need to, and it is obviously locked until you meet a condition of release.","start_word":3610,"end_word":3655,"intents":[{"intent":"Clarify superannuation benefits","confidence_score":0.017114328}]},{"text":"Like I said, I do recommend it to everybody. Just have a read over it if it is something that you are interested in. Otherwise, there is no changes in regards to the fee structure. Like I mentioned during the annual review, it stays exactly the Mhmm. same, and there's no additional fees and charges whatsoever in regards to this advice piece or if you wanted to go ahead. That is all part of the ongoing service. Okay.","start_word":3790,"end_word":3867,"intents":[{"intent":"Recommend advice","confidence_score":0.036507864}]},{"text":"Now do you have any questions in regards to anything, or what are your thoughts on all of this? No.","start_word":3869,"end_word":3888,"intents":[{"intent":"Ask questions","confidence_score":0.035995673},{"intent":"Discuss issues","confidence_score":0.0009805665}]},{"text":"No. No. I don't. I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government. But, yeah, Yeah. it's just something I haven't been doing. But, yes, I I I can see the benefits of it, and I'm all I'm happy with that. Okay.","start_word":3888,"end_word":3939,"intents":[{"intent":"Inquire about satisfaction","confidence_score":0.00036986842}]},{"text":"So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you Mhmm. are more than welcome to do so. If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally.","start_word":3941,"end_word":4003,"intents":[{"intent":"Sign document","confidence_score":0.084261216}]}]},"sentiments":{"segments":[{"text":"Hello. Larissa speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05843056365847587},{"text":"Good Yes. afternoon, How are Lovisa.","start_word":3,"end_word":8,"sentiment":"positive","sentiment_score":0.3421298563480377},{"text":"This is Veronica from Financial. How are you? you?","start_word":9,"end_word":17,"sentiment":"neutral","sentiment_score":0.2131066471338272},{"text":"I'm good. Thank you.","start_word":18,"end_word":21,"sentiment":"positive","sentiment_score":0.4997309744358063},{"text":"Sorry. I don't know what happened before. I think it's because I had my headphones connected to my Bluetooth for my computer, and it just did some weird things. So That's okay. I was like, oh, hopefully, it's not my headset. I'll just try yes. you again, but at least I can hear you now. I had you booked in. It is pretty quick today just to go over some research I did on your super investments Yes. and the salary sacrifice. Now is still a Yes. good time? Yes. Yes. Yep. It is.","start_word":22,"end_word":115,"sentiment":"neutral","sentiment_score":-0.04905424639582634},{"text":"Perfect.","start_word":116,"end_word":116,"sentiment":"positive","sentiment_score":0.4913141131401062},{"text":"Yep. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yes. Yep.","start_word":117,"end_word":152,"sentiment":"neutral","sentiment_score":0.08739887177944183},{"text":"Beautiful.","start_word":153,"end_word":153,"sentiment":"positive","sentiment_score":0.4443715810775757},{"text":"And just to confirm I am speaking with the right person, could I also please get you to confirm your full name, date of birth, and address, please? It's Larissa. Date of birth is 03/12/1980, and my address is 11 Robin Street, Burpengary. Perfect. And how's your day been so far? Been busy? Yes. Yes. Yes. It's reporting and yes. Oh, I'm I'm all the it's fun stuff. not that you're not that you're not gonna know what it is, but it's National Mhmm. Biosecurity Week. And because that's Yeah. our I don't work know in what plant that is. it it I I work in plant biosecurity, and we Yeah. we run that week. So it's, like, very, very busy. So Very for busy. us. So look Yeah. it up. It's a it'll be an Yes. educational educational experience for you. I will. I will for sure. Like I said, today is pretty straightforward. Sorry. I won't take up too much of your time. Now do you have access to your emails at the moment by any chance? I do. Let Okay. me just open it up for you. Oh, yes. Yep. I Yep. see one here for you. Yep. Yes.","start_word":154,"end_word":355,"sentiment":"neutral","sentiment_score":0.02910640329528268},{"text":"Perfect.","start_word":356,"end_word":356,"sentiment":"positive","sentiment_score":0.5410741567611694},{"text":"So if you can click on that one for me, again, same as Mhmm. for the under review, clicking on the link, it just allows you to open up and look at everything first. So let me know if you can see the document. The first one should just say statement of advice Yes. and have your details on the cover page there. Yep. Yes. Yep.","start_word":357,"end_word":422,"sentiment":"neutral","sentiment_score":0.11824507266283037},{"text":"Beautiful.","start_word":423,"end_word":423,"sentiment":"positive","sentiment_score":0.5772601366043091},{"text":"So, basically, every time we do make a recommendation, we have to put everything in a statement of advice for you. A lot of it is just compliance, but it's also to make sure that you fully understand everything. So I'll try to keep it as quickly as I can for you, but all the information is there so that you can have a good read over everything, essentially. Yes.","start_word":424,"end_word":493,"sentiment":"neutral","sentiment_score":0.19945652782917023},{"text":"That's good. Thank you.","start_word":494,"end_word":497,"sentiment":"positive","sentiment_score":0.5280255079269409},{"text":"Yeah. No. That's all good. Now on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under Oktui Financial. Now on this second page, it talks a little bit about the best interest duty. Have you ever heard of that before? Yes. Yes. Yep. Okay. Perfect. Yes. So, yeah, essentially, this means we have to act in your best interest Yes. at all time, and the Mhmm. adviser has to put you in a better position. So always have to make sure we we follow all of that. Now essentially for the recommendation so as you kind of scroll through, you will see some pages talking about scope of advice, which is page Mhmm. three. Essentially, this just refers to what we are looking at today. So, essentially, today, we're just looking at your superannuation, having a look at salary sacrifice for you, and then also revisit if we needed to make any changes in regards to your super investments. Mhmm. I have also just included some information in regards to setting up a will and a power of attorney. It is something Mhmm.","start_word":498,"end_word":693,"sentiment":"neutral","sentiment_score":0.08145247802746539},{"text":"I always recommend everyone to consider, so I have just included that for you as well. Yes.","start_word":694,"end_word":710,"sentiment":"positive","sentiment_score":0.4809439778327942},{"text":"Otherwise, we're not making any changes to insurances or anything else.","start_word":711,"end_word":721,"sentiment":"neutral","sentiment_score":0.2456042766571045},{"text":"It is literally just a super to make it nice and easy.","start_word":722,"end_word":733,"sentiment":"positive","sentiment_score":0.626623272895813},{"text":"Now what the recommendation actually is is if you can scroll down so kind of as you scroll through, you'll see some Yep. personal information. You have Mhmm. your assets and liabilities again. You'll kind of Mhmm. outline your superinsurances like we touched on during the annual review. And then on page 10, you should have your risk profile. Yes. I can see that. Yep.","start_word":734,"end_word":798,"sentiment":"neutral","sentiment_score":0.13940434157848358},{"text":"Beautiful.","start_word":799,"end_word":799,"sentiment":"positive","sentiment_score":0.5109930038452148},{"text":"So we're not making any changes whatsoever in regards to the risk profile. We are keeping that at that balance growth. It's very suitable for you for where you are at in terms of time frame, but also a level that you are comfortable with. Focusing on growth for more like a steady growth, not taking on high risk or anything like that, but still very much focusing on growing your super at a steady pace. So not increasing risk, just literally changing a few things around for you.","start_word":800,"end_word":888,"sentiment":"neutral","sentiment_score":0.1856047511100769},{"text":"Good. Yep. Beautiful.","start_word":889,"end_word":891,"sentiment":"positive","sentiment_score":0.5023176670074463},{"text":"Now what the recommendation actually is is I often find it easier if you can scroll down through page 16 for me. The recommendation is kind of summarized in a little table. Okay. Alright. Yep. I'll just make it a bit bigger. I don't need Yes. reading glasses, but it's starting to get a little bit harder to see things. No. That is so cool. Especially this one because there's a lot of numbers kind of crammed into one page. Yes. So Yep. it can be a little bit like that. Now this basically outlines the recommendation. So part of the research, I also considered just your hub 24 just to make sure if that's still the best super fund for you at the moment. There's always Mhmm. new products and features that come out to the market, so it is good to do research just to make sure. There's nothing obviously tying us to have twenty four at all.","start_word":892,"end_word":1051,"sentiment":"neutral","sentiment_score":0.1068357676267624},{"text":"So it's just kind of good to keep on top of everything just to make sure it's still the best option. And after doing research, it still very much is. So I have recommended that you stay in hub twenty four. It is very competitive when it comes to their fees and features and investment choices. And I do use HUB twenty four for my personal super as well.","start_word":1052,"end_word":1120,"sentiment":"positive","sentiment_score":0.474199116230011},{"text":"Yes. Yes.","start_word":1121,"end_word":1122,"sentiment":"neutral","sentiment_score":0.27037256956100464},{"text":"I very much can yes. It's it Yeah. does get a lot of returns. Yes. So it's it's it's very good.","start_word":1123,"end_word":1143,"sentiment":"positive","sentiment_score":0.5937072038650513},{"text":"So Mhmm. what I have recommended, which you can see here, is making a couple of changes to your investments and then Mhmm. adding the salary sacrifice. Okay. So, otherwise, not making any changes to insurances. So what that actually looks like from a fee saving point of view, if we start there with just your investment. So I have recommended some minor changes to your investments, which I will go through with you shortly. But what Mhmm.","start_word":1144,"end_word":1221,"sentiment":"neutral","sentiment_score":0.14007610082626343},{"text":"that looks like is that it's saving you about $483 per year in investment fees alone, which is pretty good. That's good.","start_word":1222,"end_word":1243,"sentiment":"positive","sentiment_score":0.4536806643009186},{"text":"Yes. Yeah. Mhmm. Now you can also see the contribution is a little bit different, and that is introducing that salary sacrifice of a $100 per fortnight. So that still makes a pretty big difference. Now in the appendix, just so that you can see the comparison Mhmm. of just doing the investment switches but not introducing salary sacrifice, just so you can kind of have more Yep. like an apple to apple comparison, I have included that in the appendix, which is the second document to show you, Okay. and it still shows you a pretty big difference. Now if you look at the five year comparison down the bottom there, you can Mhmm. kind of see everything forecasted forward.","start_word":1244,"end_word":1364,"sentiment":"neutral","sentiment_score":0.1516847163438797},{"text":"Now this, aside from just the investment fees, also shows the improvement on the returns.","start_word":1365,"end_word":1379,"sentiment":"positive","sentiment_score":0.37168335914611816},{"text":"So, again, Yes. making a couple of minor changes on your investments, you can see that when we are using a five year rolling average, which essentially just means that we are using, obviously, a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened in the market and the portfolio because you obviously can't guarantee performance or what's going to happen. But using that five year time, it gives us a little bit more certainty if that makes sense. Yes. Yep. Yes. Yep.","start_word":1380,"end_word":1478,"sentiment":"neutral","sentiment_score":0.12609545570431333},{"text":"It does. Beautiful. Yep. Yep. So you can see that it is improving things a little bit. Not massive, but it's still making a difference of about 0.87%, which, again, compounding with the investment fee saving, it still makes a pretty big difference.","start_word":1479,"end_word":1521,"sentiment":"positive","sentiment_score":0.40291884541511536},{"text":"Yes. Yes. So when we are looking at that five year period of time, you can see that the difference between the current and the recommended is about 35,766 when we are looking at a five year period. Now if we are then using exactly the same figures but keeping your contributions the same, so not introducing salary sacrifice, the difference would be 23,857. Mhmm. So Yep. it still That makes makes sense. a big difference, but, obviously, the Mhmm. more money you put in, the more you have to compound and grow. Yes. Yeah.","start_word":1522,"end_word":1616,"sentiment":"neutral","sentiment_score":0.12346647679805756},{"text":"Perfect.","start_word":1617,"end_word":1617,"sentiment":"positive","sentiment_score":0.47401222586631775},{"text":"Now the one really good thing as well with the the few changes in the investments is that often when we are selling investments, if they have gone up, there will be capital gains tax associated when we do make a change. So similar to, like, an investment property, if you ever Mhmm. were to sell one, you obviously have the capital gains tax component. The same thing works in superannuation. It's all taken care of within the superannuation environment. So not something you'd ever have to pay for yourself or declare on a tax return, but it does happen. So we're obviously trying to minimize that as much as possible. Yep.","start_word":1618,"end_word":1729,"sentiment":"neutral","sentiment_score":0.1567486971616745},{"text":"So with a couple of minor changes I have recommended, it is estimated to be no capital gains tax for you, which is great. Yep. That's good.","start_word":1730,"end_word":1756,"sentiment":"positive","sentiment_score":0.4991510212421417},{"text":"Yep. Now if I, for example, were to do a full sell down to change everything completely, it would have been about 5,482, which, obviously, we want to avoid. Yes. Yeah. Yep. Now any questions at all so far? Or that's pretty straightforward. No. That's that's makes all makes sense to me. Yep. Yeah. Okay.","start_word":1757,"end_word":1811,"sentiment":"neutral","sentiment_score":-0.05873538926243782},{"text":"Beautiful.","start_word":1812,"end_word":1812,"sentiment":"positive","sentiment_score":0.5122895836830139},{"text":"Now if you scroll down to one page below that, you can then see that I have included a little bit more in regards to the performance between the two portfolios. So if you look, you can see a twelve month, a three years, and Mhmm. a five years and ten year comparison. Now when we are looking at twelve, three, and five, the recommended portfolio has outperformed your current one. When we are looking in more long term ten years, your current one has performed a little bit better, but that's also been ten years. And, obviously, a lot Yes. happens and changed in the world. So just because something happened ten years ago doesn't necessarily mean it's gonna happen in the future. Mhmm. So No. we obviously No. consider it, but things do change. And the important thing is the more recent time frames, you can see that the the difference is kind of gradually increasing between the two portfolios. Yep. Yep.","start_word":1813,"end_word":1976,"sentiment":"neutral","sentiment_score":0.06962111592292786},{"text":"Beautiful.","start_word":1977,"end_word":1977,"sentiment":"positive","sentiment_score":0.35317736864089966},{"text":"Now what that actually looks like in terms of the investments I have recommended that we change is on page 18, if you can see that. Yep. Page 18. Yep. Yep. Yes. So this one here, it might look a little bit messy, but, basically, what it shows is the investment name, so what they are called. You have their kind of special little code. You then have a percentage of how much you currently have in those investment options, what that correlates through from a dollar value, and then you have the buy and sell column. So the buy and sell column, what you have in red is what we are selling or reducing your exposure to. Mhmm. And then what's in black, we are either increasing the exposure to or added to your portfolio. Does that make sense? Yes. Yeah. Yep. Yep.","start_word":1978,"end_word":2121,"sentiment":"neutral","sentiment_score":0.04427816815829525},{"text":"Beautiful. So it is pretty straightforward.","start_word":2122,"end_word":2127,"sentiment":"positive","sentiment_score":0.426189661026001},{"text":"It's only two changes, really. So the first one that I have recommended that we completely sell out of and change is your top one where it says Benelong Australia equity. Yes. Now this is the one I kind of touched on during the annual review Yes. that was underperforming a little bit and wanted to look at changing. So as a replacement of this one, I have recommended the one at the bottom that says beta shares Australia 200. Now because Yes. yeah. Now because we are then changing one Australian investment, we wanted to make sure we still have that Australian exposure. We don't wanna have too much overseas. We wanna Yep. make sure we Mhmm. we keep things diversified. So the Better Share Australia 200, it is a little bit more diversified and not as volatile because how that works, it's it invests in the 200 largest companies listed in Australia. Mhmm. So all the big companies are very diversified. And, obviously, if something were to happen to one company, it's not gonna impact Yes. things as much because you do have exposure to 200 investment options, but in that one single option. Yep. That makes Yep. sense. Beautiful. Whereas the Benelong one, they are kind of there's a lot less investments, and they are kind of buying and selling a lot more frequent based on what they kind of predict is going to happen. Whereas the a 200, it is kind of tracking the 200 largest. So keeping a little bit more simple as the company grows and gets bigger, it gets added to the 200, and something smaller kind of falls up off.","start_word":2128,"end_word":2405,"sentiment":"neutral","sentiment_score":0.02035662718117237},{"text":"So that's where you do see a little bit of that saving in the fees because it's a little bit more kind of simplified, but also the performance has been better, which is great.","start_word":2406,"end_word":2439,"sentiment":"positive","sentiment_score":0.37656930088996887},{"text":"If that The makes sense. yeah. Now the other change I have recommended is the beta shift bank hybrid, and it's to sell out of that one and switch to another defensive fixed interest investment. The only reason as well is because the bank hybrid is gradually being phased out. And the other investment I have recommended is just the iShares core composite bond. So it's basically just changing it and having that defensive component still in your portfolio. It's just basically changing one for another one. Okay. Yep. Yep. Now the other ones that is red, it's where we are rebalancing your portfolio. So keeping the exposure, just rebalancing everything back into alignment. So, essentially, obviously, over time, different investments do perform differently, which obviously can cause your portfolio to kind of drift away from what it was intended for. So rebalancing basically just means that we are reproportioning everything back into alignment just to make sure that, obviously, everything continues to align with your risk profile, also your long term objectives rather than kind of becoming unintentionally more or less risky, if that makes sense. Yes. Yes. That's Yep.","start_word":2440,"end_word":2630,"sentiment":"neutral","sentiment_score":0.03591840714216232},{"text":"Yep. Perfect.","start_word":2631,"end_word":2632,"sentiment":"positive","sentiment_score":0.4555791020393371},{"text":"So you can see even, for example, that the Global X battery tech and lithium, you currently have 8.07%. Just bringing that back to seven. The gold, 9.81, bringing that to seven.","start_word":2633,"end_word":2664,"sentiment":"neutral","sentiment_score":0.3136131465435028},{"text":"So it's just kind of you still have a good amount of exposure. It's just kind of rebalancing things for you.","start_word":2665,"end_word":2685,"sentiment":"positive","sentiment_score":0.3982861340045929},{"text":"Any questions in regards to any of that? No. No. I No? don't. No. Beautiful. Now Mhmm. on the next page, you can then see just the cash account component. So that is page 19. Yep. Yep. So with Hub twenty four, they do have a minimum of 1.25% that needs to be in cash with all their accounts, and that is just to make sure that there's enough money that's liquid for, you know, any fees and stuff like that. Now Yep. we want Yep. to keep that of as close to that 1.25 as possible. It will fluctuate a little bit short term when you have contributions and stuff going in, but then everything gets rebalanced into your investment portfolio. But we wanna keep it, obviously, as close to that 1.25 as possible because the cash isn't gonna grow as much as your other investments. No. Yes. No. Now Yep. if you can then scroll to the next page, it says page 20. You should have a proposed asset allocation, and it's like a pie chart and a table. Oh, yep. Yep. Yep.","start_word":2686,"end_word":2870,"sentiment":"neutral","sentiment_score":0.04835814388619887},{"text":"Beautiful.","start_word":2871,"end_word":2871,"sentiment":"positive","sentiment_score":0.5887453556060791},{"text":"So what this one basically shows you is the risk profile. So on the second column, you can see your risk profile, which is sitting usually around that 70 to 30 Mhmm. split, about 70 growth, 30 defensive. It does change a little bit, obviously, with market prices and everything like that. But around that, you then have Yep. your existing, which is seventy two ninety nine growth, defensive, 27.01, and then you have your proposed, which is about $74.85, and defensive $25.15. So they're both still very much aligned Mhmm. with that balanced growth portfolio. Anything over 80 is then when you get to the next category. Yep. Does that make sense? Okay. Yes. Yeah. Yes. Yep. Yep.","start_word":2872,"end_word":2990,"sentiment":"neutral","sentiment_score":0.110252246260643},{"text":"Perfect.","start_word":2991,"end_word":2991,"sentiment":"positive","sentiment_score":0.5889499187469482},{"text":"Now any questions before I kind of move on to show you the salary sacrifice? No. No. No. It's yes. It all makes sense, and it makes sense why you would be getting changing out of the other one for a new Yes. for a new one and rebalancing it. Yeah. Yep. It does Yes. make sense. Yeah.","start_word":2992,"end_word":3049,"sentiment":"neutral","sentiment_score":0.021007686853408813},{"text":"Okay. Perfect.","start_word":3050,"end_word":3051,"sentiment":"positive","sentiment_score":0.4491839408874512},{"text":"Now with the salary sacrifice, I have showed you what that looks like on page 21. Now Mhmm.","start_word":3052,"end_word":3069,"sentiment":"neutral","sentiment_score":0.23311731219291687},{"text":"the good thing with salary sacrifice is that you can always change it with your employer as well depending on what's happening.","start_word":3070,"end_word":3091,"sentiment":"positive","sentiment_score":0.3769541084766388},{"text":"So if it is that you start the $100 a fortnight, your cash flow or situation change, and you can't continue, you can always stop it and restart it whenever you want to as well.","start_word":3092,"end_word":3126,"sentiment":"neutral","sentiment_score":0.2243969440460205},{"text":"So it obviously gives you the flexibility.","start_word":3127,"end_word":3133,"sentiment":"positive","sentiment_score":0.4311203956604004},{"text":"So it's not something you locked in through, and then that stays for the whole year.","start_word":3134,"end_word":3149,"sentiment":"neutral","sentiment_score":0.2792220711708069},{"text":"Yes. Yep. Now the really good thing with salary sacrifice is that it is a very tax effective way of boosting your superannuation. Because how it works is that contributions inside superannuation, it does get taxed, but at a discounted rate of 15 Mhmm. percent versus your marginal tax rate including that medical levy, which is about 39%. So that's kind of where you do get the big savings.","start_word":3150,"end_word":3218,"sentiment":"positive","sentiment_score":0.48323896527290344},{"text":"Now how that actually changes things for you, you can see here on the little table. So you first have how it changes your salary. So your your current salary.","start_word":3219,"end_word":3248,"sentiment":"neutral","sentiment_score":0.25950708985328674},{"text":"So thank you so much for sending that through.","start_word":3249,"end_word":3257,"sentiment":"positive","sentiment_score":0.699647843837738},{"text":"Mhmm.","start_word":3258,"end_word":3258,"sentiment":"neutral","sentiment_score":0.21066519618034363},{"text":"That It's was alright. great.","start_word":3259,"end_word":3263,"sentiment":"positive","sentiment_score":0.5041593909263611},{"text":"The tax you pay, obviously, on the salary and then the net Mhmm. income. Now by salary is sacrificing a $100 per fortnight. The difference on a yearly basis is only really 1,586. So you will Okay. have less in your bank accounts over a year. So, obviously, something to consider. Mhmm. But over a year, it doesn't doesn't always make a massive difference. Sometimes when you think about Mhmm. a $100 a fortnight, you're like, oh, can I do that? But then when you look at it from after this net tax savings, it's sometimes more realistic than what you think. Mhmm. Yep. But, obviously, Particularly something since to be I've just and I've got a pay rise, so it's like it's yes. not as if it's, like, cutting into things that I haven't done before. Yet. Exactly. Because the one thing to remind for love is, obviously, money that you put into superannuation, it is locked in until you meet a condition of release. So if you do end up doing the salary sacrifice and then you something happens and you need Mhmm. you need the money, it is locked in into a super until you meet that condition of release. So, obviously, something Yep. to remind for a lot of that, it's not money that you need access to anytime soon. So, obviously, something to be mindful of. Now what that actually then does to you super is on the kind of the second part of this table. So you can see that by salary sacrificing a $100 per fortnight because of kind of the tax changes, Mhmm. it will give you an additional 2,210 into super each year. Mhmm. So, basically, Yep. the difference is then $625, which does make a pretty Yes. big difference, and that's just Yes. the tax It does. saving. With yep. Yep. Yes. Does that all make sense? Yes. It does. Yes. Yep. Yep.","start_word":3264,"end_word":3586,"sentiment":"neutral","sentiment_score":0.0482425140015112},{"text":"Perfect.","start_word":3587,"end_word":3587,"sentiment":"positive","sentiment_score":0.5638455748558044},{"text":"Now on the next pages, it kind of talks about basically what I just told you in terms of outlining the advantages.","start_word":3588,"end_word":3609,"sentiment":"neutral","sentiment_score":0.16578128933906555},{"text":"It's a very tax effective way to boosting your superannuation.","start_word":3610,"end_word":3619,"sentiment":"positive","sentiment_score":0.5626308917999268},{"text":"You're obviously paying a lot less tax on that. But the disadvantage is, obviously, you will have less income available if you need to, and it is obviously locked until you meet a condition of release. One of the risks to be mindful of is obviously legislation changes. It's something we keep an eye on Mhmm. for you, but if anything were to change, we will let you know. And if also you decide that, oh, okay. I wanna do a thousand dollars for fortnight. Or if you wanna change it drastically, I'll say just let me know. Let me just run the math Yep. for you first because I don't want you to exceed that concessional cap of 32,500. Yep. Yep. Yeah.","start_word":3620,"end_word":3742,"sentiment":"neutral","sentiment_score":-0.09320658445358276},{"text":"Yep. Beautiful. Okay.","start_word":3743,"end_word":3745,"sentiment":"positive","sentiment_score":0.45595744252204895},{"text":"Now that was essentially everything. So as you scroll through, you will then see some information, like I mentioned, in regards to a will and also power of attorney. So I'll let you kind of have a read over that in your own time.","start_word":3746,"end_word":3789,"sentiment":"neutral","sentiment_score":0.18258079886436465},{"text":"Like I said, I do recommend it to everybody. Just have a read over it if it is something that you are interested in.","start_word":3790,"end_word":3813,"sentiment":"positive","sentiment_score":0.4730112850666046},{"text":"Otherwise, there is no changes in regards to the fee structure.","start_word":3814,"end_word":3824,"sentiment":"neutral","sentiment_score":0.20010362565517423},{"text":"Like I mentioned during the annual review, it stays exactly the Mhmm.","start_word":3825,"end_word":3836,"sentiment":"positive","sentiment_score":0.3946426510810852},{"text":"same, and there's no additional fees and charges whatsoever in regards to this advice piece or if you wanted to go ahead. That is all part of the ongoing service. Okay. Okay. Now do you have any questions in regards to anything, or what are your thoughts on all of this? No. No. I don't. I think it's something that, yeah, I've been wanting to put in keep up, yeah, since I've left government. But, yeah, Yeah. it's just something I haven't been doing. But, yes, I I I can see the benefits of it, and I'm all I'm happy with that. Okay.","start_word":3837,"end_word":3939,"sentiment":"neutral","sentiment_score":0.12136146426200868},{"text":"Beautiful.","start_word":3940,"end_word":3940,"sentiment":"positive","sentiment_score":0.4630814790725708},{"text":"So, essentially, from here, obviously, if you want it to take some time to have a read over the document, you Mhmm. are more than welcome to do so. If you do have a read through it or if you are happy to go ahead to then move forward, it would just be to sign the document that you are in now digitally. It's the same as what you did for the annual Mhmm. review. It will ask you for your signature and your date. It should just be that one document that you are in.","start_word":3941,"end_word":4036,"sentiment":"neutral","sentiment_score":0.2060260772705078},{"text":"That will then send it back to me, and that lets me know that you are happy with the recommendation.","start_word":4037,"end_word":4056,"sentiment":"positive","sentiment_score":0.3768292367458343},{"text":"I will let the team know, and then we'll go ahead and make these couple of changes for you.","start_word":4057,"end_word":4075,"sentiment":"neutral","sentiment_score":0.28153035044670105},{"text":"Okay. That sounds great. Yep. Beautiful.","start_word":4076,"end_word":4081,"sentiment":"positive","sentiment_score":0.5489282608032227},{"text":"Now do you have any questions for me before I let you go and get back to your busy day otherwise? No. No. That's fine. You've No. that's it's very clear and and can understand Yeah. it. Okay.","start_word":4082,"end_word":4119,"sentiment":"neutral","sentiment_score":0.07209161806263421},{"text":"Beautiful. Well, thank you so much for your time today, Larissa. It was lovely speaking with you. You too.","start_word":4120,"end_word":4138,"sentiment":"positive","sentiment_score":0.7775601148605347},{"text":"Anything you need, let me know. But, otherwise, I'll just keep a look at to see what you want to do. Yep.","start_word":4139,"end_word":4160,"sentiment":"neutral","sentiment_score":0.25487738847732544},{"text":"Perfect. Okay. Thanks very much.","start_word":4161,"end_word":4165,"sentiment":"positive","sentiment_score":0.6313508749008179},{"text":"No Thank no you. worries. We'll speak soon.","start_word":4166,"end_word":4173,"sentiment":"neutral","sentiment_score":0.036647215485572815},{"text":"Thanks.","start_word":4174,"end_word":4174,"sentiment":"positive","sentiment_score":0.4775778353214264},{"text":"Okay. Okay. Bye. Bye. Bye.","start_word":4175,"end_word":4179,"sentiment":"neutral","sentiment_score":0.1200224831700325}],"average":{"sentiment":"neutral","sentiment_score":0.13371907637432268}}}}