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I had you booked in just for a quick catch up really to go through the research on your investment in your super. Is now still a good time for you? Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please? Yep. Perfect. That's exactly what I have here. Have you had a busy day so far? Finished for the day or much more to go? Oh. Yep. Now, Paul, I just sent you an email with the statement of advice. Are you able to access your emails at the moment or not really if Internet's a bit tricky? Okay. Yep. Yep. Now you can either click sign, and it will open up the documents to run through. Or before you click sign, you'll also see a couple of attachments. Yes. Now if you can click on that one where it says statement of advice. Yep. Perfect. So this is the same that is with the signature, but sometimes it's just a bit easier to view it this way first. Yes, please. Please. Yep. It won't it won't be, you know, too long, not too many changes. Just going through, obviously, a couple of changes I have recommended, but, you know, it's completely up to you if you do wanna go ahead with the changes or not, essentially. Now on the cover page here, you will see that this has been prepared just for yourself. You will see my details listed at the bottom there. You will see my authorized representative obviously licensed under OT Financial, and you have all our details under there as well. Yes. Yep. Exactly. Now on this second page, you would have seen this before, but it just outlines that best interest duty for you again. Just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Yeah. Perfect. As you scroll through on page three for me, you will see scope of advice. Can you see that okay? Might be the the following page. Sometimes it factors in the cover page as page one. Yeah. Yep. Perfect. So it is pretty straightforward today. The only thing we are looking at is your superannuation, mostly your investments in your superannuation to see if we could make a couple of changes to improve the returns, reduce the fees a little bit for you, to try to improve everything for you so you can hopefully retire at 65 with that $1,500 per week. Yeah. It has been, obviously, a lot of fluctuations in the market with, obviously, a lot lot going on in the world. And the biggest thing was that Benelon, which did have that restriction on one of their investments. So we do wanna obviously make sure we get rid of that one and swap it out for something that's doing better for you, a little bit reducing that risk, a little bit of fluctuations, and taking away that active management approach that Benelon had in the portfolio. And now yeah. Now as you kind of scroll through, I'll I won't spend too much time on it. You will see kind of in the next couple of pages a little bit of information about you, also your assets and liabilities listed. If you can just have a have a quick read over that for me. Just let me know if there's anything that needs changing in the back end. Yep. One dependent. Yep. Yep. Perfect. I will update that in the back end for you. And what's what are their names? Nick Nicholas. Yep. Perfect. And you said he was 14? Yep. Perfect. I will update that for you. Anything else that needs updating? Well, that's good. Yep. Perfect. Now that then takes us to your risk profile. So that is page seven or eight. Can you see that heading? Yep. So yeah. Perfect. So we're not making any changes to your risk profile. We are still keeping you within the balanced growth, trying to grow your super, you know, while you're asking working and contributing to super. But we also want, you know, a bit of that conservative element through the portfolio as well to limit fluctuations. Exactly. So with that asset allocation, you which you will kind of see outlined in the pie chart on the next page, it is that about seventy thirty split. So about 70% in your growth investment, which is your Australian equities, the international equity, and the property as well, and then about 30% in defensive investments, like your your cash, your fixed interest, and then gold can factor into kind of both factors to make sure we limit fluctuations a little bit there for you, Paul. Yep. We do let me have a look here for you. We do have gold in your portfolio, and it was already in the portfolio for you as well. So that that's in there. Now if you can see can you see a heading now where it says retain your hub twenty four superannuation and change your investments? Can you see that blue heading? It'll be So it will be nine or 10. It would say yep. Yes. Exactly. So I did have a look at your hub twenty four as well just to make sure it was still going to be the best option for you. So I did some research on other options as well, some kind of similar competitive ones that does allow us to do a lot with your investment. But Hub twenty four still came out as the most competitive when it comes to the fees and flexibility. And then also, if we wanted to swap you through something else, it would result in a pretty good a pretty big capital gains tax because your investments since you obviously came on board have gone up quite a lot, and there was just no point in in doing that when twenty four is still doing really well. Yeah. Yeah. And we do wanna minimize that as much as possible, especially that that tax. And I do use hub twenty four myself for my superannuation, and it is very, you know, competitive out there in the market what it allows us to do. So not making any changes. What's that what's that? Sorry, Paul. Okay. Can you still hear me now, though? Yeah. Yeah. I I think I keep my volume the same. Sorry. Please, not me. Oh, yeah. Yeah. No. That's if you can't hear me at any point, though, just let me know. Yep. Perfect. Now this basically here, just on the next couple of pages, just just puts everything in black and white for you. So it just breaks down why I have recommended, basically, why you keep Hub twenty four as your super fund. And then on the next couple of pages, I will run through the changes in the investments that I have recommended for you. So you will see a couple of advantages with the recommendation, a couple of disadvantages as well to be mindful of, some risks as well. So there's always a level of risk associated with any investment option. Obviously, to be mindful of exactly. Exactly. We we always try crystal ball, but that is also how we then, you know, use more of the diversification in your portfolio. So if there is a specific investment that do fluctuate more, that's not doing well. We obviously don't wanna have everything in one option or one market alone. We do wanna diversify to take advantage of the growth opportunities, but then also, you know, because you're obviously getting closer to retirement, we don't wanna put too much in, you know, those speculative investments either. Well, I have I have actually done a bit of a calculation for you. I'm also factoring in what things would look like. But if you can go to page 12 for me or 13, this basically shows your investment switch. Can you see that okay? Investment switch. Can you see that okay? Yep. Yes. Exactly. Now the the the things in red is just what we are selling. And then red is sorry. Black is then what we are buying or keeping. So we will see that Benelon Australian Equities. That was that one I was talking about that's kind of underperformed, which has caused, you know, the biggest fluctuation. So we do wanna sell completely out of that one. We're also swapping out of the bank hybrid that is actually being phased out at the moment, and we've swapped it with a different that's for your defensive investment. Just swapping that one out. You can see here gold. We still have that in your portfolio. Just rebalancing a little bit, so still keeping 10% of gold in your portfolio. You will see cybersecurity you already had in the portfolio. So, obviously, AI technology is not going anywhere anytime soon. So, not going anywhere anytime soon. So it has done pretty well. So we are keeping that one in your portfolio, just reducing the exposure a little bit because that one can be a little bit more fluctuating. So we wanna make sure it only represents a smaller portion of your portfolio, only about four percent. Yep. Now you will have your your biggest shareholding, which is the next one, which is the iShares SMP 500 at 25%. You already have that one in your portfolio, and that one has done really well. And just with that one single investment, it does invest in the 500 largest listed companies in The US. So just that one single investment is obviously very diversified, and it just kind of tracks the biggest companies in The US. So if there's one that kind of falls out and another one that comes in, you don't have to change the investment. It just kind of tracks the biggest ones to give you that exposure, if that makes sense. Yep. Yeah. Yeah. Health care has seen a bit of yeah. They haven't done so well. So the the the the red is just what we are selling. That's not that it's down. Yeah. That's just what we're selling out of. But it was one through that the health care, obviously, even in, you know, a fluctuating market and in a downturn, they tend to do pretty well because, obviously, the demand for health care is always going to be there. But I have done, you know, not as kind of as expected. So we're swapping that one out as well, which you can see here, the health care, which we are swapping out. And then we're also changing again two of those defensive investment, which is the Vanguard fixed interest and the diversified in index there for you. You will see I'm so sorry. So Vanguard, the the the two top ones are your defensive. So those are, like, your fixed interest components. The Vanguard or All World that is investing in equity. So that one invests in companies. So it's the it's it's the same company, though, so Vanguard, but it's different style of investment. So that one forms more part of those growth investments and more your company. So still keeping that Vanguard all world, and that one is good because it excludes The US. Because, again, we don't want you to be too targeted in one market. And because you have 25% in the ISHIS S and P five 100, which is The US, we then wanna, again, diversify things for you. So that includes investments kind of around the world, but excludes The US because, again, you do have that exposure elsewhere. Exactly. So that's also where you can see kind of underneath it, the next through that we've then kind of swapped out some of the other investments that we've added. Yeah. Exactly. Again, these are ETFs. So kind of those lower cost ones just kind of following different indexes. And, again, it's investing in the kind of midsize to large companies, so not the the really small ones, like the big ones that you would know of. Like, some of the biggest one in the IHS Europe that you may have heard of is, like, Nestle or NovoNordic or AstraZeneca, Shell, you may have heard of. But yeah. And then in Japan, you obviously have Toyota and Sony. Like, the car companies and stuff, they're the big ones as part of that. So, again, just to diversify things for you, we wanna make we grow it and take advantage of the different markets, but not having too much exposure in one specific area. Yep. Sorry. The c is that in the target column, do you mean? The target rates column? Yeah. So that's what we are rebalancing it through. So that is just how your money will be divided. So that's not like the return. It's just how it's distributed across. Yeah. No. That's just what we're trying changing it through in terms of a weight, a weighted allocation. So you can see that you have ten and four and twenty five and seven, three, making sure we we keep it diversified for you. The bottom two says the BetaShares Australia two hundred is that one that we kind of swapped out for Bennelong. So this one is more yeah. So, again, we wanna make sure you have your Australian equity component. I wanna, you know, invest in that as well. But the Bennelong was that active fund that kind of underperformed. The purpose of that is for them to kind of And sometimes that can work out really well if they have a really good philosophy, and, historically, they have done really, really well. But then, yeah, like, the last year or so, that's when they had the issue with one of the investments, with the suspense on one of the the companies there. So it just hasn't done as well. So we wanna swap that out for you. I'm still keeping the Australian, but we're swapping it through the Australia two hundred. And that one is it's pretty simple that it just invest in the 200 largest companies listed on the ASX. So you will have, you know, companies yeah. Like Yeah. So it's like Commonwealth and CHB, Woolworths. Like, the big companies there for you as well. Exactly. Exact yeah. Kind of. You you invest in little bit little portion in different companies or different options kind of thing. Exactly. Exactly. Yeah. So we obviously overall, the, you know, the structure of the portfolio is similar, but it's just swapping some investment out. So I've kind of been underperforming a little bit and swapping it out through to different investments. And by doing so as well, the fees have actually reduced a little bit, which is great, which is what I will show you in the next couple of pages. But the biggest thing is also that the returns have have improved. So on the next page, you will see that proposed asset allocation. Can you see that okay, Paul? Yep. Yeah. Perfect. So you can see here that between the existing column and the proposed column, they are very similar. So existing is how you are currently invested. Proposed is what I'm suggesting to change it. So you will see that they are pretty similar in terms of how they are invested. It's just swapping some of those investment out for other ones. But yeah. Exactly. Now the next page for me, you will see a fee comparison table. Can you see that? Yep. Yep. Now this one can look a little bit messy sometimes, but it basically puts all the math and calculation, everything there for you so you can see it. So you can see your current situation. So your hub twenty four currently, the fees that you are currently paying in hub twenty four, contributions going into super as well. You don't have any insured premiums coming out. You will see you following me so far, Paul? Yeah. Yeah. Exactly. So even on the current, you will see that we've used a five year rolling average on your current portfolio. And it's obviously, during those five years, it's then averaging it out over the whole time frame. And some of those years, they've done better and others worse. So to give you a bit more of, you know, more of what's happened in the market and the portfolio, we do wanna use a five year rolling average, because if I used twelve months, depending on when I used it, it would be very different outcome. So this gives you a bit more realistically kind of what's happened historically, if that makes sense. Yeah. Yeah. Exactly. Now on the recommended, like I said, we are staying in Hub 24, making some changes. You can see here that the the biggest change or the really, the the only change is the investment fee, and that is just simply by swapping your investment. Does that make sense? So not making any other Yeah. It's just and and, again, because because they are active and the purpose is to try to outperform because they use a lot more research and stuff to try to sell and buy a lot more frequent or trying to outperform, they tend to cost a little bit more because there's a lot more involved in it than just kind of, you know, tracking, let's say, the 500 biggest companies. That just kind of follows along and tracks it, so it's a lot cheaper that way. So that makes a pretty big difference. And even the returns, you can see as well, again, using the five year rolling average. You can then see the difference between the two portfolios as well that even though it is cheaper in terms of fee, historically, it has performed quite a bit better as well. Now, yeah, now I do wanna let you know that because we are making changes in the investment, I've tried to minimize this as much as possible. There will still be some capital gains tax because we are changing some of your investment. Now that is the difference at the top where the balance is. So it does change when you calculate it because the prices change all the time. But when I did the calculation, it showed that by making the changes, there will be roughly 1,638 in capital gains tax from super. So you don't pay for it within superannuation. But I do wanna let you know so that you are aware. Good thing is that the investment fees alone will pretty quickly make up for that difference and then the returns as well. And because you're not looking at, obviously, retiring tomorrow, there is time for that. But I do wanna let you know as well. Yep. Any questions so far, Paul? I tried, but this is this is this is the the the lowest I could come and part of the research because I had a lot a lot of different configurations on investment options, and this was the lowest one that would still give you the same in terms of the fees and the returns. To pay no tax would just be leave everything the way that it has been. But, obviously, the the returns and the performance, especially that hasn't been great, and it's also costing a little bit more in fee. So this was kind of the the best I could get for you with minimizing the tax while still improving the other areas. Yes. Yes. If if it is so, then most definitely. Now sometimes as well, you you don't want to sell quickly. Like, we don't wanna obviously day trade your superannuation because often when they do dip, they tend to come back pretty quickly. So it's something you obviously keep an eye out because you also don't always wanna sell when it's when it's dropped because then you are selling at a loss. So especially Ben along exactly. So it's it's that kind of, like, we obviously have an investment committee that deep dives into all the research and everything like that. And it's only when they kind of deep dive into everything and then to see that, okay. Well, this isn't really worth coming back from or it's, you know, all these reasons they should see potentially there are better options, we then swap out. But they do need regular to kinda do this. And most definitely, if there is another situation where we feel like, you know what, it's this one isn't going to, let's say, Japan isn't going to be the way, then we can very easily swap it out. Top 20 four, because there's hundreds of different options for us to choose from, allows us to do that. Yeah. Yes. Yes. I think so too. And that's also the biggest kind of the the active management with Ben on, they can be really good, and that's why it was recommended in your portfolio at that time because they've done really, really well. But because they you know, it can be a little bit higher in fees as well, it is also one you do wanna keep an eye on because of that because it's not always that it outperforms the market by having good active managers. And that's also why, obviously, everything wasn't in that. But that's also now because you are obviously getting closer to retirement, we wanna limit and kind of limit volatility a little bit that most of these all of these investments are kind of tracking that index. So even if, for example, one of the companies, let's say, in the S and P 500, does badly, that falls out, and then another one will come in, if that makes sense. So it's a little bit, yeah, a little bit different that way. But most definitely, it's something we always keep an eye on because you never know. Things can always change. So it is something that we are actively looking at all the investments, and that's why the annual reviews are so good as well. They also gives us an opportunity in between everything to then kind of reassess everything. Yeah. Yes. There's obviously a lot of lot a lot going on, a lot going on over there at the moment. No. And, you know, some people would say there's some opportunities, and then, obviously, you don't wanna take too much of a risk as well, especially, you know, with your superannuation and your retirement savings. Now on the next page there for me, Paul, you will see kind of a projected balance and then the returns listed. Can you see that? Yes. Exactly. So that just kind of flows on through the returns and the fees. Just kind of showing you that, you know, if everything stays on track and projected, that's kind of the difference by making the change. And that also factors in the tax, obviously, coming out. It factors in all of that because, obviously, the the compound so the in return does compound and make a difference and then also by saving you in that investment fee. Yeah. Exactly. Which, hopefully, we'll try our best to obviously make sure you can get as close to that and obviously making the change. You can even see here annualized investments. You can see that underneath it, which you can see that, obviously, that's the full fees. The twelve month in your current haven't done too well. But when you look a bit more three and five years, it's done better, but not as good as the recommended. Yep. Yes. Yes. If you keep on working, no. Yeah. And, also, I have even shown you because even if you retire and at 65, depending on if you wanna take it as a lump sum or an income stream, but if you take it as an income, then, you know, if you're not taking everything at once, the the remaining of your money are still being invested. You're still getting returns on those. Exactly. Which is on the next page, page six seventeen. Can you see that retirement income calculation? Yeah. Perfect. Now this just kind of gives you an overview on, you know, if you were to retire at 65 and draw an income of 1,500 per week. The black, you can see, is your superannuation. The the blue is where potential age pension would come into play. Yeah. So, basically, if you were to take yeah. The bottom there. Now, basically, if you were to take that at $1,500 per week from 65, let's say you stop working at 65 and you take it, then it will last basically until 92, and then it would only be age pension onwards. Assuming you, you know, stop working at 65 and take out that amount, you might wanna take out more to a bit less depending on, obviously, what's happening for you. And then, also, if you do work longer, even if you say, like, work part time at 65, you'll have more money going in. You might not take as much out. That also make it makes a difference. Mhmm. Yep. Yes. And there is Tab Space for it. So the only thing I would be mindful of, you can still do it more. It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is keeping yeah. It's to keep under 30,000, including your employer contribution. That is the $30. Yeah. So let me get this up here for you, actually, while I have it because that shows the table shows let me see if I can get this up here for you just to see how much space you have left. Because, yeah, you can do up to 30,000 per financial year before the salary. Yeah. So let's see here. With your income, I know it kind of fluctuates a little bit, but if it is roughly around the 91,000, then your employer puts in before tax, because he does calculate it before tax, 10,920 contributions going into super east tax at at 15%, which is why it's a slightly different figure in the research paper there for you because that shows you the after tax at what you get. So tax everywhere. Right? Yeah. Well, at least the the good thing is that it is 15. Obviously, your marginal tax rate would be higher, which is still why seller sacrifice is good because you still reduce your taxable income as long as you pay, obviously, over 50% in tax, which you would pay in your tax bracket. I guess it depends. Well, you might not have to tell them. No. It depends, obviously, yeah, what what your goals are and stuff like that. But, yes, if you put it in through super and it is good to salary sacrifice because your money is still invested and compounded. But, yes, it does get taxed 15% going in, and there is that max of 30,000 per financial year. Yes. Which which I have factored in here for you. So includes it. So the $40 per week, you stay well under the cap. If you wanted to do a little bit more, you could and still stay under the cap. If you wanna change it by a lot, I would say just give me a call, and I can just do the the numbers for you just to make sure you stay under that cap. Yep. Almost at the end there for you, which basically just outlines ongoing services, which which you would know know that, obviously, every 12 months, we do that kind of comprehensive annual review, which, you know, we reassess everything for you. But, you know, if anything changes in the meantime, always give us a call. We can always reevaluate everything for you. And, obviously, we do keep an eye on investments and everything in the back end. Also, you know, when you do turn 60, there are different strategies we can have a look at for you that is tax effective, especially if your goal is to kinda minimize tax a little bit, especially if you are still working where, you know, when you do turn 60, you can access up to 10% tax free from super. So we can work on different figures where you actually start drawing a little bit of an income from super, which will be tax free. And at the same time, your salary sacrifice a little bit into super. So your your income stays the same, but you basically save a little bit on tax by salary sacrificing and taking some money out. So when you turn 60, if you're still working and you wanna look at that, I definitely highly suggest something we can do the research on, then we can run that number for you as well and see if we can make things a little bit harder, work harder for you. Yep. Yep. And, obviously, there's no changes to the fee structure. It is all part of the ongoing advice fee. So, you know, if you are happy to go ahead with these change, I would just need you to sign sign the documents. It will then come through to me. I can get that sorted for you. And, yeah, it's just that standard 1.65 from super. No changes at all. It's all part of that ongoing advice fee for you. Yep. Yes, please. Yes. I think it usually asks you to draw a signature even. Yep. Makes it nice and easy. Yep. Mine's the same. Yep. So once you've yes. Once you did and it should say finished or complete. Are you Yeah. You can just do NA. That's just if you wanted to make any variations to any of it, you could put it there. But if you're happy and not wanting to make any changes, you can just do NA or just the full stop or anything. Yep. Yep. Oh, That's typical. Oh, really? Ah, yes. Ah, really? Everywhere. You can do either you can you can close it. You don't have to do anything else. If you wanna download a copy of a and keep on on file for you, by all means, we always have a copy as well. So if you if you disclose it and you want access to it later, just give me a call or send us an email, and I can always email it to you as well. Yep. That's all. Let me see here. Yep. I think that's all come through. Sometimes it takes a little bit to come through, but if it's just done on your end, that should all be that'd be fine. So as soon as that comes through, I'll get the team to process that change for you. We'll go ahead and make the change, and get all of that sorted. But if there's anything else that you do need, you know, in the meantime there, Paul, always give us a call or or send me an email, and we can always book in another catch up. Yep. Perfect. Well, thank you so much for your time today. Like I said, anything else, just just give us a call. But, otherwise, if you don't have any other questions for me, I will let you go and enjoy your afternoon. Yeah. Lovely. Well, I'll I'll speak to you soon. No problem at all, Paul. Thank you. You too. 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afternoon. Is this Paul? This is Veronica from Oakview Financial. How are you this afternoon? Oh, well, that's that's good.\n\nI had you booked in just for a quick catch up really to go through the research on your investment in your super. Is now still a good time for you? Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please? Yep. Perfect.\n\nThat's exactly what I have here. Have you had a busy day so far? Finished for the day or much more to go? Oh. Yep.\n\nNow, Paul, I just sent you an email with the statement of advice. Are you able to access your emails at the moment or not really if Internet's a bit tricky? Okay. Yep. Yep.\n\nNow you can either click sign, and it will open up the documents to run through. Or before you click sign, you'll also see a couple of attachments. Yes. Now if you can click on that one where it says statement of advice. Yep.\n\nPerfect. So this is the same that is with the signature, but sometimes it's just a bit easier to view it this way first. Yes, please. Please. Yep.\n\nIt won't it won't be, you know, too long, not too many changes. Just going through, obviously, a couple of changes I have recommended, but, you know, it's completely up to you if you do wanna go ahead with the changes or not, essentially. Now on the cover page here, you will see that this has been prepared just for yourself. You will see my details listed at the bottom there. You will see my authorized representative obviously licensed under OT Financial, and you have all our details under there as well.\n\nYes. Yep. Exactly. Now on this second page, you would have seen this before, but it just outlines that best interest duty for you again. Just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we cannot actually make the recommendation. Yeah. Perfect. As you scroll through on page three for me, you will see scope of advice. Can you see that okay?\n\nMight be the the following page. Sometimes it factors in the cover page as page one. Yeah. Yep. Perfect.\n\nSo it is pretty straightforward today. The only thing we are looking at is your superannuation, mostly your investments in your superannuation to see if we could make a couple of changes to improve the returns, reduce the fees a little bit for you, to try to improve everything for you so you can hopefully retire at 65 with that $1,500 per week. Yeah. It has been, obviously, a lot of fluctuations in the market with, obviously, a lot lot going on in the world. And the biggest thing was that Benelon, which did have that restriction on one of their investments.\n\nSo we do wanna obviously make sure we get rid of that one and swap it out for something that's doing better for you, a little bit reducing that risk, a little bit of fluctuations, and taking away that active management approach that Benelon had in the portfolio. And now yeah. Now as you kind of scroll through, I'll I won't spend too much time on it. You will see kind of in the next couple of pages a little bit of information about you, also your assets and liabilities listed. If you can just have a have a quick read over that for me.\n\nJust let me know if there's anything that needs changing in the back end. Yep. One dependent. Yep. Yep.\n\nPerfect. I will update that in the back end for you. And what's what are their names? Nick Nicholas. Yep.\n\nPerfect. And you said he was 14? Yep. Perfect. I will update that for you.\n\nAnything else that needs updating? Well, that's good. Yep. Perfect. Now that then takes us to your risk profile.\n\nSo that is page seven or eight. Can you see that heading? Yep. So yeah. Perfect.\n\nSo we're not making any changes to your risk profile. We are still keeping you within the balanced growth, trying to grow your super, you know, while you're asking working and contributing to super. But we also want, you know, a bit of that conservative element through the portfolio as well to limit fluctuations. Exactly. So with that asset allocation, you which you will kind of see outlined in the pie chart on the next page, it is that about seventy thirty split.\n\nSo about 70% in your growth investment, which is your Australian equities, the international equity, and the property as well, and then about 30% in defensive investments, like your your cash, your fixed interest, and then gold can factor into kind of both factors to make sure we limit fluctuations a little bit there for you, Paul. Yep. We do let me have a look here for you. We do have gold in your portfolio, and it was already in the portfolio for you as well. So that that's in there.\n\nNow if you can see can you see a heading now where it says retain your hub twenty four superannuation and change your investments? Can you see that blue heading? It'll be So it will be nine or 10. It would say yep. Yes.\n\nExactly. So I did have a look at your hub twenty four as well just to make sure it was still going to be the best option for you. So I did some research on other options as well, some kind of similar competitive ones that does allow us to do a lot with your investment. But Hub twenty four still came out as the most competitive when it comes to the fees and flexibility. And then also, if we wanted to swap you through something else, it would result in a pretty good a pretty big capital gains tax because your investments since you obviously came on board have gone up quite a lot, and there was just no point in in doing that when twenty four is still doing really well.\n\nYeah. Yeah. And we do wanna minimize that as much as possible, especially that that tax. And I do use hub twenty four myself for my superannuation, and it is very, you know, competitive out there in the market what it allows us to do. So not making any changes.\n\nWhat's that what's that? Sorry, Paul. Okay. Can you still hear me now, though? Yeah.\n\nYeah. I I think I keep my volume the same. Sorry. Please, not me. Oh, yeah.\n\nYeah. No. That's if you can't hear me at any point, though, just let me know. Yep. Perfect.\n\nNow this basically here, just on the next couple of pages, just just puts everything in black and white for you. So it just breaks down why I have recommended, basically, why you keep Hub twenty four as your super fund. And then on the next couple of pages, I will run through the changes in the investments that I have recommended for you. So you will see a couple of advantages with the recommendation, a couple of disadvantages as well to be mindful of, some risks as well. So there's always a level of risk associated with any investment option.\n\nObviously, to be mindful of exactly. Exactly. We we always try crystal ball, but that is also how we then, you know, use more of the diversification in your portfolio. So if there is a specific investment that do fluctuate more, that's not doing well. We obviously don't wanna have everything in one option or one market alone.\n\nWe do wanna diversify to take advantage of the growth opportunities, but then also, you know, because you're obviously getting closer to retirement, we don't wanna put too much in, you know, those speculative investments either. Well, I have I have actually done a bit of a calculation for you. I'm also factoring in what things would look like. But if you can go to page 12 for me or 13, this basically shows your investment switch. Can you see that okay?\n\nInvestment switch. Can you see that okay? Yep. Yes. Exactly.\n\nNow the the the things in red is just what we are selling. And then red is sorry. Black is then what we are buying or keeping. So we will see that Benelon Australian Equities. That was that one I was talking about that's kind of underperformed, which has caused, you know, the biggest fluctuation.\n\nSo we do wanna sell completely out of that one. We're also swapping out of the bank hybrid that is actually being phased out at the moment, and we've swapped it with a different that's for your defensive investment. Just swapping that one out. You can see here gold. We still have that in your portfolio.\n\nJust rebalancing a little bit, so still keeping 10% of gold in your portfolio. You will see cybersecurity you already had in the portfolio. So, obviously, AI technology is not going anywhere anytime soon. So, not going anywhere anytime soon. So it has done pretty well.\n\nSo we are keeping that one in your portfolio, just reducing the exposure a little bit because that one can be a little bit more fluctuating. So we wanna make sure it only represents a smaller portion of your portfolio, only about four percent. Yep. Now you will have your your biggest shareholding, which is the next one, which is the iShares SMP 500 at 25%. You already have that one in your portfolio, and that one has done really well.\n\nAnd just with that one single investment, it does invest in the 500 largest listed companies in The US. So just that one single investment is obviously very diversified, and it just kind of tracks the biggest companies in The US. So if there's one that kind of falls out and another one that comes in, you don't have to change the investment. It just kind of tracks the biggest ones to give you that exposure, if that makes sense. Yep.\n\nYeah. Yeah. Health care has seen a bit of yeah. They haven't done so well. So the the the the red is just what we are selling.\n\nThat's not that it's down. Yeah. That's just what we're selling out of. But it was one through that the health care, obviously, even in, you know, a fluctuating market and in a downturn, they tend to do pretty well because, obviously, the demand for health care is always going to be there. But I have done, you know, not as kind of as expected.\n\nSo we're swapping that one out as well, which you can see here, the health care, which we are swapping out. And then we're also changing again two of those defensive investment, which is the Vanguard fixed interest and the diversified in index there for you. You will see I'm so sorry. So Vanguard, the the the two top ones are your defensive. So those are, like, your fixed interest components.\n\nThe Vanguard or All World that is investing in equity. So that one invests in companies. So it's the it's it's the same company, though, so Vanguard, but it's different style of investment. So that one forms more part of those growth investments and more your company. So still keeping that Vanguard all world, and that one is good because it excludes The US.\n\nBecause, again, we don't want you to be too targeted in one market. And because you have 25% in the ISHIS S and P five 100, which is The US, we then wanna, again, diversify things for you. So that includes investments kind of around the world, but excludes The US because, again, you do have that exposure elsewhere. Exactly. So that's also where you can see kind of underneath it, the next through that we've then kind of swapped out some of the other investments that we've added.\n\nYeah. Exactly. Again, these are ETFs. So kind of those lower cost ones just kind of following different indexes. And, again, it's investing in the kind of midsize to large companies, so not the the really small ones, like the big ones that you would know of.\n\nLike, some of the biggest one in the IHS Europe that you may have heard of is, like, Nestle or NovoNordic or AstraZeneca, Shell, you may have heard of. But yeah. And then in Japan, you obviously have Toyota and Sony. Like, the car companies and stuff, they're the big ones as part of that. So, again, just to diversify things for you, we wanna make we grow it and take advantage of the different markets, but not having too much exposure in one specific area.\n\nYep. Sorry. The c is that in the target column, do you mean? The target rates column? Yeah.\n\nSo that's what we are rebalancing it through. So that is just how your money will be divided. So that's not like the return. It's just how it's distributed across. Yeah.\n\nNo. That's just what we're trying changing it through in terms of a weight, a weighted allocation. So you can see that you have ten and four and twenty five and seven, three, making sure we we keep it diversified for you. The bottom two says the BetaShares Australia two hundred is that one that we kind of swapped out for Bennelong. So this one is more yeah.\n\nSo, again, we wanna make sure you have your Australian equity component. I wanna, you know, invest in that as well. But the Bennelong was that active fund that kind of underperformed. The purpose of that is for them to kind of And sometimes that can work out really well if they have a really good philosophy, and, historically, they have done really, really well. But then, yeah, like, the last year or so, that's when they had the issue with one of the investments, with the suspense on one of the the companies there.\n\nSo it just hasn't done as well. So we wanna swap that out for you. I'm still keeping the Australian, but we're swapping it through the Australia two hundred. And that one is it's pretty simple that it just invest in the 200 largest companies listed on the ASX. So you will have, you know, companies yeah.\n\nLike Yeah. So it's like Commonwealth and CHB, Woolworths. Like, the big companies there for you as well. Exactly. Exact yeah.\n\nKind of. You you invest in little bit little portion in different companies or different options kind of thing. Exactly. Exactly. Yeah.\n\nSo we obviously overall, the, you know, the structure of the portfolio is similar, but it's just swapping some investment out. So I've kind of been underperforming a little bit and swapping it out through to different investments. And by doing so as well, the fees have actually reduced a little bit, which is great, which is what I will show you in the next couple of pages. But the biggest thing is also that the returns have have improved. So on the next page, you will see that proposed asset allocation.\n\nCan you see that okay, Paul? Yep. Yeah. Perfect. So you can see here that between the existing column and the proposed column, they are very similar.\n\nSo existing is how you are currently invested. Proposed is what I'm suggesting to change it. So you will see that they are pretty similar in terms of how they are invested. It's just swapping some of those investment out for other ones. But yeah.\n\nExactly. Now the next page for me, you will see a fee comparison table. Can you see that? Yep. Yep.\n\nNow this one can look a little bit messy sometimes, but it basically puts all the math and calculation, everything there for you so you can see it. So you can see your current situation. So your hub twenty four currently, the fees that you are currently paying in hub twenty four, contributions going into super as well. You don't have any insured premiums coming out. You will see you following me so far, Paul?\n\nYeah. Yeah. Exactly. So even on the current, you will see that we've used a five year rolling average on your current portfolio. And it's obviously, during those five years, it's then averaging it out over the whole time frame.\n\nAnd some of those years, they've done better and others worse. So to give you a bit more of, you know, more of what's happened in the market and the portfolio, we do wanna use a five year rolling average, because if I used twelve months, depending on when I used it, it would be very different outcome. So this gives you a bit more realistically kind of what's happened historically, if that makes sense. Yeah. Yeah.\n\nExactly. Now on the recommended, like I said, we are staying in Hub 24, making some changes. You can see here that the the biggest change or the really, the the only change is the investment fee, and that is just simply by swapping your investment. Does that make sense? So not making any other Yeah.\n\nIt's just and and, again, because because they are active and the purpose is to try to outperform because they use a lot more research and stuff to try to sell and buy a lot more frequent or trying to outperform, they tend to cost a little bit more because there's a lot more involved in it than just kind of, you know, tracking, let's say, the 500 biggest companies. That just kind of follows along and tracks it, so it's a lot cheaper that way. So that makes a pretty big difference. And even the returns, you can see as well, again, using the five year rolling average. You can then see the difference between the two portfolios as well that even though it is cheaper in terms of fee, historically, it has performed quite a bit better as well.\n\nNow, yeah, now I do wanna let you know that because we are making changes in the investment, I've tried to minimize this as much as possible. There will still be some capital gains tax because we are changing some of your investment. Now that is the difference at the top where the balance is. So it does change when you calculate it because the prices change all the time. But when I did the calculation, it showed that by making the changes, there will be roughly 1,638 in capital gains tax from super.\n\nSo you don't pay for it within superannuation. But I do wanna let you know so that you are aware. Good thing is that the investment fees alone will pretty quickly make up for that difference and then the returns as well. And because you're not looking at, obviously, retiring tomorrow, there is time for that. But I do wanna let you know as well.\n\nYep. Any questions so far, Paul? I tried, but this is this is this is the the the lowest I could come and part of the research because I had a lot a lot of different configurations on investment options, and this was the lowest one that would still give you the same in terms of the fees and the returns. To pay no tax would just be leave everything the way that it has been. But, obviously, the the returns and the performance, especially that hasn't been great, and it's also costing a little bit more in fee.\n\nSo this was kind of the the best I could get for you with minimizing the tax while still improving the other areas. Yes. Yes. If if it is so, then most definitely. Now sometimes as well, you you don't want to sell quickly.\n\nLike, we don't wanna obviously day trade your superannuation because often when they do dip, they tend to come back pretty quickly. So it's something you obviously keep an eye out because you also don't always wanna sell when it's when it's dropped because then you are selling at a loss. So especially Ben along exactly. So it's it's that kind of, like, we obviously have an investment committee that deep dives into all the research and everything like that. And it's only when they kind of deep dive into everything and then to see that, okay.\n\nWell, this isn't really worth coming back from or it's, you know, all these reasons they should see potentially there are better options, we then swap out. But they do need regular to kinda do this. And most definitely, if there is another situation where we feel like, you know what, it's this one isn't going to, let's say, Japan isn't going to be the way, then we can very easily swap it out. Top 20 four, because there's hundreds of different options for us to choose from, allows us to do that. Yeah.\n\nYes. Yes. I think so too. And that's also the biggest kind of the the active management with Ben on, they can be really good, and that's why it was recommended in your portfolio at that time because they've done really, really well. But because they you know, it can be a little bit higher in fees as well, it is also one you do wanna keep an eye on because of that because it's not always that it outperforms the market by having good active managers.\n\nAnd that's also why, obviously, everything wasn't in that. But that's also now because you are obviously getting closer to retirement, we wanna limit and kind of limit volatility a little bit that most of these all of these investments are kind of tracking that index. So even if, for example, one of the companies, let's say, in the S and P 500, does badly, that falls out, and then another one will come in, if that makes sense. So it's a little bit, yeah, a little bit different that way. But most definitely, it's something we always keep an eye on because you never know.\n\nThings can always change. So it is something that we are actively looking at all the investments, and that's why the annual reviews are so good as well. They also gives us an opportunity in between everything to then kind of reassess everything. Yeah. Yes.\n\nThere's obviously a lot of lot a lot going on, a lot going on over there at the moment. No. And, you know, some people would say there's some opportunities, and then, obviously, you don't wanna take too much of a risk as well, especially, you know, with your superannuation and your retirement savings. Now on the next page there for me, Paul, you will see kind of a projected balance and then the returns listed. Can you see that?\n\nYes. Exactly. So that just kind of flows on through the returns and the fees. Just kind of showing you that, you know, if everything stays on track and projected, that's kind of the difference by making the change. And that also factors in the tax, obviously, coming out.\n\nIt factors in all of that because, obviously, the the compound so the in return does compound and make a difference and then also by saving you in that investment fee. Yeah. Exactly. Which, hopefully, we'll try our best to obviously make sure you can get as close to that and obviously making the change. You can even see here annualized investments.\n\nYou can see that underneath it, which you can see that, obviously, that's the full fees. The twelve month in your current haven't done too well. But when you look a bit more three and five years, it's done better, but not as good as the recommended. Yep. Yes.\n\nYes. If you keep on working, no. Yeah. And, also, I have even shown you because even if you retire and at 65, depending on if you wanna take it as a lump sum or an income stream, but if you take it as an income, then, you know, if you're not taking everything at once, the the remaining of your money are still being invested. You're still getting returns on those.\n\nExactly. Which is on the next page, page six seventeen. Can you see that retirement income calculation? Yeah. Perfect.\n\nNow this just kind of gives you an overview on, you know, if you were to retire at 65 and draw an income of 1,500 per week. The black, you can see, is your superannuation. The the blue is where potential age pension would come into play. Yeah. So, basically, if you were to take yeah.\n\nThe bottom there. Now, basically, if you were to take that at $1,500 per week from 65, let's say you stop working at 65 and you take it, then it will last basically until 92, and then it would only be age pension onwards. Assuming you, you know, stop working at 65 and take out that amount, you might wanna take out more to a bit less depending on, obviously, what's happening for you. And then, also, if you do work longer, even if you say, like, work part time at 65, you'll have more money going in. You might not take as much out.\n\nThat also make it makes a difference. Mhmm. Yep. Yes. And there is Tab Space for it.\n\nSo the only thing I would be mindful of, you can still do it more. It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is keeping yeah. It's to keep under 30,000, including your employer contribution. That is the $30. Yeah.\n\nSo let me get this up here for you, actually, while I have it because that shows the table shows let me see if I can get this up here for you just to see how much space you have left. Because, yeah, you can do up to 30,000 per financial year before the salary. Yeah. So let's see here. With your income, I know it kind of fluctuates a little bit, but if it is roughly around the 91,000, then your employer puts in before tax, because he does calculate it before tax, 10,920 contributions going into super east tax at at 15%, which is why it's a slightly different figure in the research paper there for you because that shows you the after tax at what you get.\n\nSo tax everywhere. Right? Yeah. Well, at least the the good thing is that it is 15. Obviously, your marginal tax rate would be higher, which is still why seller sacrifice is good because you still reduce your taxable income as long as you pay, obviously, over 50% in tax, which you would pay in your tax bracket.\n\nI guess it depends. Well, you might not have to tell them. No. It depends, obviously, yeah, what what your goals are and stuff like that. But, yes, if you put it in through super and it is good to salary sacrifice because your money is still invested and compounded.\n\nBut, yes, it does get taxed 15% going in, and there is that max of 30,000 per financial year. Yes. Which which I have factored in here for you. So includes it. So the $40 per week, you stay well under the cap.\n\nIf you wanted to do a little bit more, you could and still stay under the cap. If you wanna change it by a lot, I would say just give me a call, and I can just do the the numbers for you just to make sure you stay under that cap. Yep. Almost at the end there for you, which basically just outlines ongoing services, which which you would know know that, obviously, every 12 months, we do that kind of comprehensive annual review, which, you know, we reassess everything for you. But, you know, if anything changes in the meantime, always give us a call.\n\nWe can always reevaluate everything for you. And, obviously, we do keep an eye on investments and everything in the back end. Also, you know, when you do turn 60, there are different strategies we can have a look at for you that is tax effective, especially if your goal is to kinda minimize tax a little bit, especially if you are still working where, you know, when you do turn 60, you can access up to 10% tax free from super. So we can work on different figures where you actually start drawing a little bit of an income from super, which will be tax free. And at the same time, your salary sacrifice a little bit into super.\n\nSo your your income stays the same, but you basically save a little bit on tax by salary sacrificing and taking some money out. So when you turn 60, if you're still working and you wanna look at that, I definitely highly suggest something we can do the research on, then we can run that number for you as well and see if we can make things a little bit harder, work harder for you. Yep. Yep. And, obviously, there's no changes to the fee structure.\n\nIt is all part of the ongoing advice fee. So, you know, if you are happy to go ahead with these change, I would just need you to sign sign the documents. It will then come through to me. I can get that sorted for you. And, yeah, it's just that standard 1.65 from super.\n\nNo changes at all. It's all part of that ongoing advice fee for you. Yep. Yes, please. Yes.\n\nI think it usually asks you to draw a signature even. Yep. Makes it nice and easy. Yep. Mine's the same.\n\nYep. So once you've yes. Once you did and it should say finished or complete. Are you Yeah. You can just do NA.\n\nThat's just if you wanted to make any variations to any of it, you could put it there. But if you're happy and not wanting to make any changes, you can just do NA or just the full stop or anything. Yep. Yep. Oh, That's typical.\n\nOh, really? Ah, yes. Ah, really? Everywhere. You can do either you can you can close it.\n\nYou don't have to do anything else. If you wanna download a copy of a and keep on on file for you, by all means, we always have a copy as well. So if you if you disclose it and you want access to it later, just give me a call or send us an email, and I can always email it to you as well. Yep. That's all.\n\nLet me see here. Yep. I think that's all come through. Sometimes it takes a little bit to come through, but if it's just done on your end, that should all be that'd be fine. So as soon as that comes through, I'll get the team to process that change for you.\n\nWe'll go ahead and make the change, and get all of that sorted. But if there's anything else that you do need, you know, in the meantime there, Paul, always give us a call or or send me an email, and we can always book in another catch up. Yep. Perfect. Well, thank you so much for your time today.\n\nLike I said, anything else, just just give us a call. But, otherwise, if you don't have any other questions for me, I will let you go and enjoy your afternoon. Yeah. Lovely. Well, I'll I'll speak to you soon.\n\nNo problem at all, Paul. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.12,"end":3.76,"sentiment":"neutral","sentiment_score":0.2034226432442665},{"text":"Is this Paul?","start":3.76,"end":4.66,"sentiment":"neutral","sentiment_score":0.10383792966604233},{"text":"This is Veronica from Oakview Financial.","start":6.8799996,"end":8.82,"sentiment":"neutral","sentiment_score":0.15613061686356863},{"text":"How are you this afternoon?","start":8.96,"end":10.099999,"sentiment":"neutral","sentiment_score":0.19415403604507447},{"text":"Oh, well, that's that's good.","start":14.795,"end":16.895,"sentiment":"positive","sentiment_score":0.5167444944381714}],"sentiment":"neutral","sentiment_score":0.24807787757544292,"num_words":21,"start":3.12,"end":16.895},{"sentences":[{"text":"I had you booked in just for a quick catch up really to go through the research on your investment in your super.","start":17.994999,"end":24.954998,"sentiment":"positive","sentiment_score":0.3902281302472819},{"text":"Is now still a good time for you?","start":24.954998,"end":26.575,"sentiment":"positive","sentiment_score":0.34848979115486145},{"text":"Alright.","start":29.435,"end":29.935,"sentiment":"neutral","sentiment_score":0.32179519534111023},{"text":"Perfect.","start":30.369999,"end":30.869999,"sentiment":"positive","sentiment_score":0.42281073331832886},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":31.169998,"end":39.59,"sentiment":"neutral","sentiment_score":0.06580069192267697}],"sentiment":"neutral","sentiment_score":0.2325159890216685,"num_words":62,"start":17.994999,"end":39.59},{"sentences":[{"text":"Yeah.","start":41.329998,"end":41.809998,"sentiment":"neutral","sentiment_score":0.1929739415645599},{"text":"Perfect.","start":41.809998,"end":42.309998,"sentiment":"neutral","sentiment_score":0.2515842020511627},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please?","start":42.449997,"end":49.984997,"sentiment":"neutral","sentiment_score":0.06605208680033683},{"text":"Yep.","start":62.960003,"end":63.36,"sentiment":"neutral","sentiment_score":0.15265583992004397},{"text":"Perfect.","start":63.36,"end":63.760002,"sentiment":"positive","sentiment_score":0.4411979913711548}],"sentiment":"neutral","sentiment_score":0.09274876361777043,"num_words":29,"start":41.329998,"end":63.760002},{"sentences":[{"text":"That's exactly what I have here.","start":63.760002,"end":65.54,"sentiment":"positive","sentiment_score":0.4913441588481267},{"text":"Have you had a busy day so far?","start":66.56,"end":68.4,"sentiment":"neutral","sentiment_score":0.027144467225298285},{"text":"Finished for the day or much more to go?","start":68.4,"end":70.58,"sentiment":"neutral","sentiment_score":0.016580326275693044},{"text":"Oh.","start":71.595,"end":72.095,"sentiment":"neutral","sentiment_score":-0.018041228875517845},{"text":"Yep.","start":74.475,"end":74.975,"sentiment":"neutral","sentiment_score":0.029240157455205917}],"sentiment":"neutral","sentiment_score":0.13302570223808288,"num_words":25,"start":63.760002,"end":74.975},{"sentences":[{"text":"Now, Paul, I just sent you an email with the statement of advice.","start":76.235,"end":81.855,"sentiment":"neutral","sentiment_score":0.031960646192041725},{"text":"Are you able to access your emails at the moment or not really if Internet's a bit tricky?","start":82.555,"end":87.56,"sentiment":"neutral","sentiment_score":-0.03255003033619788},{"text":"Okay.","start":90.58,"end":91.08,"sentiment":"neutral","sentiment_score":0.00750144524499774},{"text":"Yep.","start":102.055,"end":102.555,"sentiment":"neutral","sentiment_score":0.0492866113781929},{"text":"Yep.","start":102.615,"end":103.115,"sentiment":"neutral","sentiment_score":0.050332676619291306}],"sentiment":"neutral","sentiment_score":-0.0018615121268393362,"num_words":34,"start":76.235,"end":103.115},{"sentences":[{"text":"Now you can either click sign, and it will open up the documents to run through.","start":103.655,"end":110.97,"sentiment":"neutral","sentiment_score":0.047990437829867005},{"text":"Or before you click sign, you'll also see a couple of attachments.","start":111.770004,"end":115.31,"sentiment":"neutral","sentiment_score":0.03477140391866366},{"text":"Yes.","start":124.89,"end":125.39,"sentiment":"neutral","sentiment_score":0.07276314496994019},{"text":"Now if you can click on that one where it says statement of advice.","start":125.45,"end":130.425,"sentiment":"neutral","sentiment_score":0.06655568336801869},{"text":"Yep.","start":132.645,"end":133.045,"sentiment":"neutral","sentiment_score":0.13782501220703125}],"sentiment":"neutral","sentiment_score":0.052897081287069755,"num_words":44,"start":103.655,"end":133.045},{"sentences":[{"text":"Perfect.","start":133.045,"end":133.445,"sentiment":"neutral","sentiment_score":0.2463108003139496},{"text":"So this is the same that is with the signature, but sometimes it's just a bit easier to view it this way first.","start":133.445,"end":139.465,"sentiment":"neutral","sentiment_score":0.1331541398945062},{"text":"Yes, please.","start":142.16501,"end":142.77,"sentiment":"neutral","sentiment_score":0.20939724147319794},{"text":"Please.","start":142.85,"end":143.09001,"sentiment":"neutral","sentiment_score":0.19039598107337952},{"text":"Yep.","start":143.09001,"end":143.33,"sentiment":"neutral","sentiment_score":0.11560812592506409}],"sentiment":"neutral","sentiment_score":0.14405909313687257,"num_words":28,"start":133.045,"end":143.33},{"sentences":[{"text":"It won't it won't be, you know, too long, not too many changes.","start":143.33,"end":147.11,"sentiment":"neutral","sentiment_score":-0.058594988694844335},{"text":"Just going through, obviously, a couple of changes I have recommended, but, you know, it's completely up to you if you do wanna go ahead with the changes or not, essentially.","start":147.57,"end":157.35501,"sentiment":"neutral","sentiment_score":0.04358862968341958},{"text":"Now on the cover page here, you will see that this has been prepared just for yourself.","start":159.975,"end":164.55501,"sentiment":"neutral","sentiment_score":0.12426257966195836},{"text":"You will see my details listed at the bottom there.","start":165.095,"end":167.735,"sentiment":"neutral","sentiment_score":0.10637005046010017},{"text":"You will see my authorized representative obviously licensed under OT Financial, and you have all our details under there as well.","start":167.735,"end":175.96,"sentiment":"neutral","sentiment_score":0.08867886680222693}],"sentiment":"neutral","sentiment_score":0.061173187270153154,"num_words":92,"start":143.33,"end":175.96},{"sentences":[{"text":"Yes.","start":178.66,"end":179.06,"sentiment":"neutral","sentiment_score":0.1844889521598816},{"text":"Yep.","start":179.06,"end":179.56,"sentiment":"neutral","sentiment_score":0.12866541743278503},{"text":"Exactly.","start":179.62001,"end":180.12001,"sentiment":"neutral","sentiment_score":0.2231955528259277},{"text":"Now on this second page, you would have seen this before, but it just outlines that best interest duty for you again.","start":180.66,"end":186.695,"sentiment":"neutral","sentiment_score":0.05478885905309157},{"text":"Just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":187.07501,"end":195.735,"sentiment":"neutral","sentiment_score":0.06779207277930144}],"sentiment":"neutral","sentiment_score":0.06860074522937167,"num_words":58,"start":178.66,"end":195.735},{"sentences":[{"text":"Otherwise, we cannot actually make the recommendation.","start":195.875,"end":198.28,"sentiment":"neutral","sentiment_score":-0.20190798810550145},{"text":"Yeah.","start":199.70001,"end":200.18001,"sentiment":"neutral","sentiment_score":0.17494796216487885},{"text":"Perfect.","start":200.18001,"end":200.68001,"sentiment":"positive","sentiment_score":0.3458497226238251},{"text":"As you scroll through on page three for me, you will see scope of advice.","start":201.86,"end":208.1,"sentiment":"neutral","sentiment_score":0.12420157392819722},{"text":"Can you see that okay?","start":208.1,"end":211.92499,"sentiment":"neutral","sentiment_score":0.05383305326104164}],"sentiment":"neutral","sentiment_score":0.042745884250977945,"num_words":29,"start":195.875,"end":211.92499},{"sentences":[{"text":"Might be the the following page.","start":212.86499,"end":215.185,"sentiment":"neutral","sentiment_score":0.01613324073453744},{"text":"Sometimes it factors in the cover page as page one.","start":215.185,"end":217.825,"sentiment":"neutral","sentiment_score":0.016077361442148684},{"text":"Yeah.","start":217.825,"end":218.325,"sentiment":"neutral","sentiment_score":0.03702628239989281},{"text":"Yep.","start":219.825,"end":220.325,"sentiment":"neutral","sentiment_score":0.1632755994796753},{"text":"Perfect.","start":220.385,"end":220.885,"sentiment":"positive","sentiment_score":0.4453333616256714}],"sentiment":"neutral","sentiment_score":0.047537279070207945,"num_words":19,"start":212.86499,"end":220.885},{"sentences":[{"text":"So it is pretty straightforward today.","start":220.94499,"end":222.78499,"sentiment":"positive","sentiment_score":0.4075850248336792},{"text":"The only thing we are looking at is your superannuation, mostly your investments in your superannuation to see if we could make a couple of changes to improve the returns, reduce the fees a little bit for you, to try to improve everything for you so you can hopefully retire at 65 with that $1,500 per week.","start":222.78499,"end":242.485,"sentiment":"neutral","sentiment_score":0.23729062001956136},{"text":"Yeah.","start":254.75,"end":255.25,"sentiment":"neutral","sentiment_score":-0.04349903017282486},{"text":"It has been, obviously, a lot of fluctuations in the market with, obviously, a lot lot going on in the world.","start":255.39,"end":260.83,"sentiment":"neutral","sentiment_score":-0.12777643686249143},{"text":"And the biggest thing was that Benelon, which did have that restriction on one of their investments.","start":260.83,"end":266.575,"sentiment":"neutral","sentiment_score":-0.18112644859973123}],"sentiment":"neutral","sentiment_score":0.09965805548663233,"num_words":102,"start":220.94499,"end":266.575},{"sentences":[{"text":"So we do wanna obviously make sure we get rid of that one and swap it out for something that's doing better for you, a little bit reducing that risk, a little bit of fluctuations, and taking away that active management approach that Benelon had in the portfolio.","start":266.715,"end":283.51,"sentiment":"neutral","sentiment_score":0.011566191057985028},{"text":"And now yeah.","start":286.05002,"end":287.99002,"sentiment":"neutral","sentiment_score":0.0425186442832152},{"text":"Now as you kind of scroll through, I'll I won't spend too much time on it.","start":289.57,"end":294.665,"sentiment":"neutral","sentiment_score":0.05987705755978823},{"text":"You will see kind of in the next couple of pages a little bit of information about you, also your assets and liabilities listed.","start":294.665,"end":301.70502,"sentiment":"neutral","sentiment_score":0.10349018561343352},{"text":"If you can just have a have a quick read over that for me.","start":301.70502,"end":304.685,"sentiment":"neutral","sentiment_score":0.10388595025454249}],"sentiment":"neutral","sentiment_score":0.05313270269405274,"num_words":105,"start":266.715,"end":304.685},{"sentences":[{"text":"Just let me know if there's anything that needs changing in the back end.","start":304.905,"end":307.92,"sentiment":"neutral","sentiment_score":-0.0014845101561929493},{"text":"Yep.","start":315.44,"end":315.84003,"sentiment":"neutral","sentiment_score":0.002278419677168131},{"text":"One dependent.","start":315.84003,"end":316.66,"sentiment":"neutral","sentiment_score":-0.002836586907505989},{"text":"Yep.","start":318.16,"end":318.66,"sentiment":"neutral","sentiment_score":0.012183676473796368},{"text":"Yep.","start":320.56,"end":320.96002,"sentiment":"neutral","sentiment_score":0.0929078459739685}],"sentiment":"neutral","sentiment_score":0.004258611901222091,"num_words":19,"start":304.905,"end":320.96002},{"sentences":[{"text":"Perfect.","start":320.96002,"end":321.44,"sentiment":"positive","sentiment_score":0.3694914579391479},{"text":"I will update that in the back end for you.","start":321.44,"end":323.515,"sentiment":"neutral","sentiment_score":0.19856652915477752},{"text":"And what's what are their names?","start":323.515,"end":325.375,"sentiment":"neutral","sentiment_score":0.03751028887927532},{"text":"Nick Nicholas.","start":328.635,"end":329.535,"sentiment":"neutral","sentiment_score":0.018472183495759964},{"text":"Yep.","start":329.915,"end":330.395,"sentiment":"neutral","sentiment_score":0.05163651332259178}],"sentiment":"neutral","sentiment_score":0.13343996815383435,"num_words":20,"start":320.96002,"end":330.395},{"sentences":[{"text":"Perfect.","start":330.395,"end":330.895,"sentiment":"neutral","sentiment_score":0.12909601628780365},{"text":"And you said he was 14?","start":331.675,"end":332.895,"sentiment":"neutral","sentiment_score":0.02795746736228466},{"text":"Yep.","start":334.315,"end":334.815,"sentiment":"neutral","sentiment_score":0.0519295260310173},{"text":"Perfect.","start":335.03,"end":335.19,"sentiment":"neutral","sentiment_score":0.26683107018470764},{"text":"I will update that for you.","start":335.19,"end":336.89,"sentiment":"neutral","sentiment_score":0.17373682806889215}],"sentiment":"neutral","sentiment_score":0.11053482567270596,"num_words":15,"start":330.395,"end":336.89},{"sentences":[{"text":"Anything else that needs updating?","start":337.35,"end":338.97,"sentiment":"neutral","sentiment_score":0.02798561900854111},{"text":"Well, that's good.","start":350.23,"end":350.925,"sentiment":"neutral","sentiment_score":0.25475237766901654},{"text":"Yep.","start":366.125,"end":366.625,"sentiment":"neutral","sentiment_score":0.19092121720314023},{"text":"Perfect.","start":367.06,"end":367.56,"sentiment":"positive","sentiment_score":0.33855247497558594},{"text":"Now that then takes us to your risk profile.","start":368.74,"end":372.41998,"sentiment":"neutral","sentiment_score":0.12372586296664344}],"sentiment":"neutral","sentiment_score":0.13406272036464592,"num_words":19,"start":337.35,"end":372.41998},{"sentences":[{"text":"So that is page seven or eight.","start":372.41998,"end":375.0,"sentiment":"neutral","sentiment_score":0.04909812845289707},{"text":"Can you see that heading?","start":375.22,"end":376.41998,"sentiment":"neutral","sentiment_score":0.031078908964991568},{"text":"Yep.","start":376.41998,"end":376.91998,"sentiment":"neutral","sentiment_score":0.03569353371858597},{"text":"So yeah.","start":377.38,"end":378.74,"sentiment":"neutral","sentiment_score":0.0906244982033968},{"text":"Perfect.","start":378.74,"end":379.13998,"sentiment":"positive","sentiment_score":0.3559996485710144}],"sentiment":"neutral","sentiment_score":0.06700147641822696,"num_words":16,"start":372.41998,"end":379.13998},{"sentences":[{"text":"So we're not making any changes to your risk profile.","start":379.13998,"end":382.335,"sentiment":"neutral","sentiment_score":0.05345037579536438},{"text":"We are still keeping you within the balanced growth, trying to grow your super, you know, while you're asking working and contributing to super.","start":382.335,"end":390.355,"sentiment":"neutral","sentiment_score":0.29358149754504365},{"text":"But we also want, you know, a bit of that conservative element through the portfolio as well to limit fluctuations.","start":390.495,"end":396.09,"sentiment":"neutral","sentiment_score":0.22953303195536137},{"text":"Exactly.","start":399.11002,"end":399.59,"sentiment":"neutral","sentiment_score":0.08921899646520615},{"text":"So with that asset allocation, you which you will kind of see outlined in the pie chart on the next page, it is that about seventy thirty split.","start":399.59,"end":408.125,"sentiment":"neutral","sentiment_score":0.08502669805394751}],"sentiment":"neutral","sentiment_score":0.17639863710985126,"num_words":83,"start":379.13998,"end":408.125},{"sentences":[{"text":"So about 70% in your growth investment, which is your Australian equities, the international equity, and the property as well, and then about 30% in defensive investments, like your your cash, your fixed interest, and then gold can factor into kind of both factors to make sure we limit fluctuations a little bit there for you, Paul.","start":408.125,"end":431.45,"sentiment":"neutral","sentiment_score":0.1166142446168682},{"text":"Yep.","start":432.07,"end":432.57,"sentiment":"neutral","sentiment_score":0.16018585860729218},{"text":"We do let me have a look here for you.","start":435.435,"end":437.595,"sentiment":"neutral","sentiment_score":0.23111546635627747},{"text":"We do have gold in your portfolio, and it was already in the portfolio for you as well.","start":437.595,"end":442.73502,"sentiment":"neutral","sentiment_score":0.3073373917076323},{"text":"So that that's in there.","start":443.83502,"end":445.695,"sentiment":"positive","sentiment_score":0.3810322225093842}],"sentiment":"neutral","sentiment_score":0.18192952339138305,"num_words":91,"start":408.125,"end":445.695},{"sentences":[{"text":"Now if you can see can you see a heading now where it says retain your hub twenty four superannuation and change your investments?","start":447.755,"end":453.61,"sentiment":"neutral","sentiment_score":0.08973739094411333},{"text":"Can you see that blue heading?","start":453.66998,"end":455.05,"sentiment":"neutral","sentiment_score":0.02981223010768493},{"text":"It'll be So it will be nine or 10.","start":456.27,"end":461.37,"sentiment":"neutral","sentiment_score":0.026767845679488447},{"text":"It would say yep.","start":462.22998,"end":465.39502,"sentiment":"neutral","sentiment_score":0.045976138673722744},{"text":"Yes.","start":467.295,"end":467.775,"sentiment":"neutral","sentiment_score":0.1415156126022339}],"sentiment":"neutral","sentiment_score":0.0658841259481216,"num_words":44,"start":447.755,"end":467.775},{"sentences":[{"text":"Exactly.","start":467.775,"end":468.275,"sentiment":"neutral","sentiment_score":0.18618856370449063},{"text":"So I did have a look at your hub twenty four as well just to make sure it was still going to be the best option for you.","start":468.815,"end":476.115,"sentiment":"neutral","sentiment_score":0.3304678829652922},{"text":"So I did some research on other options as well, some kind of similar competitive ones that does allow us to do a lot with your investment.","start":476.17502,"end":484.16998,"sentiment":"neutral","sentiment_score":0.28306182391113704},{"text":"But Hub twenty four still came out as the most competitive when it comes to the fees and flexibility.","start":484.71,"end":490.16998,"sentiment":"positive","sentiment_score":0.4163787757095538},{"text":"And then also, if we wanted to swap you through something else, it would result in a pretty good a pretty big capital gains tax because your investments since you obviously came on board have gone up quite a lot, and there was just no point in in doing that when twenty four is still doing really well.","start":491.03,"end":507.83002,"sentiment":"neutral","sentiment_score":0.07785820055367618}],"sentiment":"neutral","sentiment_score":0.22187166092427155,"num_words":133,"start":467.775,"end":507.83002},{"sentences":[{"text":"Yeah.","start":508.69,"end":509.19,"sentiment":"neutral","sentiment_score":-0.011852450668811798},{"text":"Yeah.","start":512.45,"end":512.95,"sentiment":"neutral","sentiment_score":0.0967193841934204},{"text":"And we do wanna minimize that as much as possible, especially that that tax.","start":513.01,"end":517.97003,"sentiment":"neutral","sentiment_score":0.14369461898292815},{"text":"And I do use hub twenty four myself for my superannuation, and it is very, you know, competitive out there in the market what it allows us to do.","start":517.97003,"end":525.285,"sentiment":"positive","sentiment_score":0.42618059700933},{"text":"So not making any changes.","start":526.70496,"end":529.285,"sentiment":"neutral","sentiment_score":-0.08529627621173859}],"sentiment":"neutral","sentiment_score":0.2805869506299496,"num_words":50,"start":508.69,"end":529.285},{"sentences":[{"text":"What's that what's that?","start":530.785,"end":531.745,"sentiment":"neutral","sentiment_score":-0.05657540261745453},{"text":"Sorry, Paul.","start":531.745,"end":532.565,"sentiment":"neutral","sentiment_score":-0.16613948345184326},{"text":"Okay.","start":541.88,"end":542.19995,"sentiment":"neutral","sentiment_score":-0.029010560363531113},{"text":"Can you still hear me now, though?","start":542.19995,"end":543.89996,"sentiment":"neutral","sentiment_score":-0.04638309244598661},{"text":"Yeah.","start":544.92,"end":545.42,"sentiment":"neutral","sentiment_score":0.003419142682105303}],"sentiment":"neutral","sentiment_score":-0.06059024281178912,"num_words":15,"start":530.785,"end":545.42},{"sentences":[{"text":"Yeah.","start":546.04,"end":546.54,"sentiment":"neutral","sentiment_score":-0.030135229229927063},{"text":"I I think I keep my volume the same.","start":549.84503,"end":551.925,"sentiment":"neutral","sentiment_score":-0.04023721627891064},{"text":"Sorry.","start":551.925,"end":552.425,"sentiment":"neutral","sentiment_score":-0.058871470391750336},{"text":"Please, not me.","start":552.485,"end":553.78503,"sentiment":"neutral","sentiment_score":-0.03509195273121198},{"text":"Oh, yeah.","start":554.16504,"end":555.54504,"sentiment":"neutral","sentiment_score":0.15155759453773499}],"sentiment":"neutral","sentiment_score":-0.015831394703127444,"num_words":16,"start":546.04,"end":555.54504},{"sentences":[{"text":"Yeah.","start":558.085,"end":558.405,"sentiment":"neutral","sentiment_score":0.031272049993276596},{"text":"No.","start":558.405,"end":558.645,"sentiment":"neutral","sentiment_score":-0.038968607783317566},{"text":"That's if you can't hear me at any point, though, just let me know.","start":558.645,"end":561.465,"sentiment":"neutral","sentiment_score":-0.10798264773828643},{"text":"Yep.","start":562.565,"end":562.965,"sentiment":"neutral","sentiment_score":0.1588081568479538},{"text":"Perfect.","start":562.965,"end":563.465,"sentiment":"positive","sentiment_score":0.3898389935493469}],"sentiment":"neutral","sentiment_score":-0.05393369309604168,"num_words":18,"start":558.085,"end":563.465},{"sentences":[{"text":"Now this basically here, just on the next couple of pages, just just puts everything in black and white for you.","start":564.325,"end":569.58,"sentiment":"neutral","sentiment_score":0.18295324522824513},{"text":"So it just breaks down why I have recommended, basically, why you keep Hub twenty four as your super fund.","start":569.58,"end":575.76,"sentiment":"neutral","sentiment_score":0.17073290571570396},{"text":"And then on the next couple of pages, I will run through the changes in the investments that I have recommended for you.","start":576.14,"end":582.645,"sentiment":"neutral","sentiment_score":0.08423943380298822},{"text":"So you will see a couple of advantages with the recommendation, a couple of disadvantages as well to be mindful of, some risks as well.","start":584.305,"end":593.745,"sentiment":"neutral","sentiment_score":-0.09309338629245759},{"text":"So there's always a level of risk associated with any investment option.","start":593.745,"end":597.93,"sentiment":"neutral","sentiment_score":-0.24945537249247232}],"sentiment":"neutral","sentiment_score":0.03835033776588959,"num_words":101,"start":564.325,"end":597.93},{"sentences":[{"text":"Obviously, to be mindful of exactly.","start":598.55,"end":606.00995,"sentiment":"neutral","sentiment_score":-0.13425022239486376},{"text":"Exactly.","start":607.43,"end":607.93,"sentiment":"neutral","sentiment_score":-0.05033653602004051},{"text":"We we always try crystal ball, but that is also how we then, you know, use more of the diversification in your portfolio.","start":608.23,"end":615.815,"sentiment":"neutral","sentiment_score":-0.03256802698192389},{"text":"So if there is a specific investment that do fluctuate more, that's not doing well.","start":615.955,"end":620.59503,"sentiment":"neutral","sentiment_score":-0.1670854429403941},{"text":"We obviously don't wanna have everything in one option or one market alone.","start":620.59503,"end":624.57,"sentiment":"neutral","sentiment_score":-0.11701308907224582}],"sentiment":"neutral","sentiment_score":-0.09710955677618241,"num_words":58,"start":598.55,"end":624.57},{"sentences":[{"text":"We do wanna diversify to take advantage of the growth opportunities, but then also, you know, because you're obviously getting closer to retirement, we don't wanna put too much in, you know, those speculative investments either.","start":624.87,"end":645.625,"sentiment":"neutral","sentiment_score":0.010432188463811245},{"text":"Well, I have I have actually done a bit of a calculation for you.","start":645.625,"end":650.02997,"sentiment":"neutral","sentiment_score":0.04487425048968622},{"text":"I'm also factoring in what things would look like.","start":650.02997,"end":653.50995,"sentiment":"neutral","sentiment_score":0.033173038727707334},{"text":"But if you can go to page 12 for me or 13, this basically shows your investment switch.","start":653.50995,"end":661.87,"sentiment":"neutral","sentiment_score":0.044860482629802495},{"text":"Can you see that okay?","start":661.87,"end":662.505,"sentiment":"neutral","sentiment_score":0.05221741646528244}],"sentiment":"neutral","sentiment_score":0.0289137976800614,"num_words":82,"start":624.87,"end":662.505},{"sentences":[{"text":"Investment switch.","start":662.505,"end":664.28503,"sentiment":"neutral","sentiment_score":0.024067278020083904},{"text":"Can you see that okay?","start":664.665,"end":666.045,"sentiment":"neutral","sentiment_score":0.04587416425347328},{"text":"Yep.","start":666.905,"end":667.405,"sentiment":"neutral","sentiment_score":0.12770521640777588},{"text":"Yes.","start":668.665,"end":669.065,"sentiment":"neutral","sentiment_score":0.15315505862236023},{"text":"Exactly.","start":669.065,"end":669.565,"sentiment":"neutral","sentiment_score":0.1795237511396408}],"sentiment":"neutral","sentiment_score":0.07378894034773112,"num_words":10,"start":662.505,"end":669.565},{"sentences":[{"text":"Now the the the things in red is just what we are selling.","start":669.945,"end":673.405,"sentiment":"neutral","sentiment_score":0.012819768001253787},{"text":"And then red is sorry.","start":674.34503,"end":676.105,"sentiment":"neutral","sentiment_score":-0.04475582242012024},{"text":"Black is then what we are buying or keeping.","start":676.105,"end":678.27,"sentiment":"neutral","sentiment_score":-0.08251361341940032},{"text":"So we will see that Benelon Australian Equities.","start":678.83,"end":681.39,"sentiment":"neutral","sentiment_score":-0.11685214191675186},{"text":"That was that one I was talking about that's kind of underperformed, which has caused, you know, the biggest fluctuation.","start":681.39,"end":686.53,"sentiment":"negative","sentiment_score":-0.33917517587542534}],"sentiment":"neutral","sentiment_score":-0.15487391457638958,"num_words":55,"start":669.945,"end":686.53},{"sentences":[{"text":"So we do wanna sell completely out of that one.","start":686.67004,"end":689.49,"sentiment":"neutral","sentiment_score":-0.1817392647266388},{"text":"We're also swapping out of the bank hybrid that is actually being phased out at the moment, and we've swapped it with a different that's for your defensive investment.","start":690.75,"end":698.865,"sentiment":"neutral","sentiment_score":-0.049340696074068546},{"text":"Just swapping that one out.","start":699.405,"end":701.185,"sentiment":"neutral","sentiment_score":-0.027306943386793136},{"text":"You can see here gold.","start":701.48505,"end":702.84503,"sentiment":"neutral","sentiment_score":0.05317337736487389},{"text":"We still have that in your portfolio.","start":702.84503,"end":704.87994,"sentiment":"neutral","sentiment_score":0.08835629693099431}],"sentiment":"neutral","sentiment_score":-0.04465083187512521,"num_words":56,"start":686.67004,"end":704.87994},{"sentences":[{"text":"Just rebalancing a little bit, so still keeping 10% of gold in your portfolio.","start":705.1,"end":710.31995,"sentiment":"neutral","sentiment_score":0.10324627586773463},{"text":"You will see cybersecurity you already had in the portfolio.","start":712.3,"end":715.77997,"sentiment":"neutral","sentiment_score":0.02440861612558365},{"text":"So, obviously, AI technology is not going anywhere anytime soon.","start":715.77997,"end":716.63995,"sentiment":"neutral","sentiment_score":-0.07026869505643844},{"text":"So, not going anywhere anytime soon.","start":716.77997,"end":721.95496,"sentiment":"neutral","sentiment_score":-0.05146897894640764},{"text":"So it has done pretty well.","start":722.175,"end":723.77496,"sentiment":"neutral","sentiment_score":0.2877831707398097}],"sentiment":"neutral","sentiment_score":0.05227678746956846,"num_words":46,"start":705.1,"end":723.77496},{"sentences":[{"text":"So we are keeping that one in your portfolio, just reducing the exposure a little bit because that one can be a little bit more fluctuating.","start":723.77496,"end":730.51495,"sentiment":"neutral","sentiment_score":0.11203753718963036},{"text":"So we wanna make sure it only represents a smaller portion of your portfolio, only about four percent.","start":731.535,"end":736.59,"sentiment":"neutral","sentiment_score":0.09347826573583815},{"text":"Yep.","start":736.97003,"end":737.47003,"sentiment":"neutral","sentiment_score":0.14092037081718445},{"text":"Now you will have your your biggest shareholding, which is the next one, which is the iShares SMP 500 at 25%.","start":738.09,"end":745.61005,"sentiment":"neutral","sentiment_score":0.25925748901707785},{"text":"You already have that one in your portfolio, and that one has done really well.","start":745.61005,"end":749.985,"sentiment":"positive","sentiment_score":0.449444188674291}],"sentiment":"neutral","sentiment_score":0.20892068173414396,"num_words":81,"start":723.77496,"end":749.985},{"sentences":[{"text":"And just with that one single investment, it does invest in the 500 largest listed companies in The US.","start":749.985,"end":759.045,"sentiment":"neutral","sentiment_score":0.2471269588721426},{"text":"So just that one single investment is obviously very diversified, and it just kind of tracks the biggest companies in The US.","start":759.425,"end":767.12994,"sentiment":"neutral","sentiment_score":0.2587884005836465},{"text":"So if there's one that kind of falls out and another one that comes in, you don't have to change the investment.","start":767.12994,"end":771.69,"sentiment":"neutral","sentiment_score":0.025431685996326534},{"text":"It just kind of tracks the biggest ones to give you that exposure, if that makes sense.","start":771.69,"end":780.025,"sentiment":"neutral","sentiment_score":0.04188744877191151},{"text":"Yep.","start":791.34,"end":791.5,"sentiment":"neutral","sentiment_score":0.08818626403808594}],"sentiment":"neutral","sentiment_score":0.1450435434134654,"num_words":81,"start":749.985,"end":791.5},{"sentences":[{"text":"Yeah.","start":791.5,"end":791.9,"sentiment":"neutral","sentiment_score":0.07444116473197937},{"text":"Yeah.","start":791.9,"end":792.22003,"sentiment":"neutral","sentiment_score":0.08267959952354431},{"text":"Health care has seen a bit of yeah.","start":792.22003,"end":794.78,"sentiment":"neutral","sentiment_score":-0.018072999082505703},{"text":"They haven't done so well.","start":794.78,"end":796.22003,"sentiment":"neutral","sentiment_score":-0.10034911483526229},{"text":"So the the the the red is just what we are selling.","start":796.22003,"end":799.02,"sentiment":"neutral","sentiment_score":0.016065129389365513}],"sentiment":"neutral","sentiment_score":-0.010978787033646195,"num_words":27,"start":791.5,"end":799.02},{"sentences":[{"text":"That's not that it's down.","start":799.02,"end":800.32,"sentiment":"neutral","sentiment_score":-0.018657352961599826},{"text":"Yeah.","start":800.7,"end":801.02,"sentiment":"neutral","sentiment_score":0.13671334087848663},{"text":"That's just what we're selling out of.","start":801.02,"end":802.88,"sentiment":"neutral","sentiment_score":0.11346356464283806},{"text":"But it was one through that the health care, obviously, even in, you know, a fluctuating market and in a downturn, they tend to do pretty well because, obviously, the demand for health care is always going to be there.","start":803.555,"end":813.975,"sentiment":"neutral","sentiment_score":0.11160438545048237},{"text":"But I have done, you know, not as kind of as expected.","start":814.755,"end":817.66003,"sentiment":"neutral","sentiment_score":-0.02015517434726159}],"sentiment":"neutral","sentiment_score":0.07784592083726938,"num_words":65,"start":799.02,"end":817.66003},{"sentences":[{"text":"So we're swapping that one out as well, which you can see here, the health care, which we are swapping out.","start":817.96,"end":824.78,"sentiment":"neutral","sentiment_score":0.0673671102239972},{"text":"And then we're also changing again two of those defensive investment, which is the Vanguard fixed interest and the diversified in index there for you.","start":825.32,"end":836.09503,"sentiment":"neutral","sentiment_score":0.07979213520884514},{"text":"You will see I'm so sorry.","start":836.79504,"end":840.09503,"sentiment":"neutral","sentiment_score":-0.012141768510142962},{"text":"So Vanguard, the the the two top ones are your defensive.","start":852.02,"end":857.16003,"sentiment":"neutral","sentiment_score":0.041425348513505676},{"text":"So those are, like, your fixed interest components.","start":857.78,"end":860.2,"sentiment":"neutral","sentiment_score":0.03284160839393735}],"sentiment":"neutral","sentiment_score":0.057113715276961595,"num_words":71,"start":817.96,"end":860.2},{"sentences":[{"text":"The Vanguard or All World that is investing in equity.","start":861.46,"end":865.775,"sentiment":"neutral","sentiment_score":0.046278430707752706},{"text":"So that one invests in companies.","start":865.775,"end":867.715,"sentiment":"neutral","sentiment_score":0.03911716118454933},{"text":"So it's the it's it's the same company, though, so Vanguard, but it's different style of investment.","start":868.255,"end":873.875,"sentiment":"neutral","sentiment_score":0.03378297246116049},{"text":"So that one forms more part of those growth investments and more your company.","start":874.495,"end":878.04,"sentiment":"neutral","sentiment_score":0.10214422696403094},{"text":"So still keeping that Vanguard all world, and that one is good because it excludes The US.","start":879.07996,"end":884.54,"sentiment":"positive","sentiment_score":0.36528998876319213}],"sentiment":"neutral","sentiment_score":0.1392460436327383,"num_words":64,"start":861.46,"end":884.54},{"sentences":[{"text":"Because, again, we don't want you to be too targeted in one market.","start":884.75995,"end":888.22,"sentiment":"neutral","sentiment_score":0.07302084507850501},{"text":"And because you have 25% in the ISHIS S and P five 100, which is The US, we then wanna, again, diversify things for you.","start":888.6,"end":896.855,"sentiment":"neutral","sentiment_score":0.19749829471111296},{"text":"So that includes investments kind of around the world, but excludes The US because, again, you do have that exposure elsewhere.","start":896.855,"end":908.53,"sentiment":"neutral","sentiment_score":0.044673403458935876},{"text":"Exactly.","start":909.31,"end":909.81,"sentiment":"neutral","sentiment_score":0.04759647697210312},{"text":"So that's also where you can see kind of underneath it, the next through that we've then kind of swapped out some of the other investments that we've added.","start":910.27,"end":920.075,"sentiment":"neutral","sentiment_score":0.056032551773663224}],"sentiment":"neutral","sentiment_score":0.09547652027915034,"num_words":89,"start":884.75995,"end":920.075},{"sentences":[{"text":"Yeah.","start":920.135,"end":920.615,"sentiment":"neutral","sentiment_score":0.06058092415332794},{"text":"Exactly.","start":920.615,"end":921.115,"sentiment":"neutral","sentiment_score":0.07268019020557404},{"text":"Again, these are ETFs.","start":921.815,"end":923.355,"sentiment":"neutral","sentiment_score":0.08511215820908546},{"text":"So kind of those lower cost ones just kind of following different indexes.","start":923.495,"end":927.755,"sentiment":"neutral","sentiment_score":0.13508489613349622},{"text":"And, again, it's investing in the kind of midsize to large companies, so not the the really small ones, like the big ones that you would know of.","start":927.895,"end":936.59,"sentiment":"neutral","sentiment_score":0.13716001915080206}],"sentiment":"neutral","sentiment_score":0.12915519006708834,"num_words":47,"start":920.135,"end":936.59},{"sentences":[{"text":"Like, some of the biggest one in the IHS Europe that you may have heard of is, like, Nestle or NovoNordic or AstraZeneca, Shell, you may have heard of.","start":936.59,"end":948.265,"sentiment":"neutral","sentiment_score":0.12122801113231428},{"text":"But yeah.","start":948.265,"end":949.885,"sentiment":"neutral","sentiment_score":0.044564537703990936},{"text":"And then in Japan, you obviously have Toyota and Sony.","start":950.105,"end":953.645,"sentiment":"neutral","sentiment_score":0.071995048224926},{"text":"Like, the car companies and stuff, they're the big ones as part of that.","start":953.785,"end":957.325,"sentiment":"neutral","sentiment_score":0.10632938944867679},{"text":"So, again, just to diversify things for you, we wanna make we grow it and take advantage of the different markets, but not having too much exposure in one specific area.","start":957.545,"end":967.98,"sentiment":"neutral","sentiment_score":0.22941208029946975}],"sentiment":"neutral","sentiment_score":0.15029160258208596,"num_words":86,"start":936.59,"end":967.98},{"sentences":[{"text":"Yep.","start":969.0,"end":969.5,"sentiment":"neutral","sentiment_score":-0.007955855689942837},{"text":"Sorry.","start":983.655,"end":984.055,"sentiment":"neutral","sentiment_score":-0.1014615148305893},{"text":"The c is that in the target column, do you mean?","start":984.055,"end":986.79,"sentiment":"neutral","sentiment_score":-0.07233841852708296},{"text":"The target rates column?","start":987.02997,"end":988.57,"sentiment":"neutral","sentiment_score":-0.04973014444112778},{"text":"Yeah.","start":991.43,"end":991.75,"sentiment":"neutral","sentiment_score":0.011343134567141531}],"sentiment":"neutral","sentiment_score":-0.06070652319532302,"num_words":18,"start":969.0,"end":991.75},{"sentences":[{"text":"So that's what we are rebalancing it through.","start":991.75,"end":994.31,"sentiment":"neutral","sentiment_score":-0.0044868215918540955},{"text":"So that is just how your money will be divided.","start":994.31,"end":996.81,"sentiment":"neutral","sentiment_score":0.06614909060299397},{"text":"So that's not like the return.","start":996.87,"end":998.87,"sentiment":"neutral","sentiment_score":-0.04498594834391648},{"text":"It's just how it's distributed across.","start":998.87,"end":1007.115,"sentiment":"neutral","sentiment_score":0.045879349733392395},{"text":"Yeah.","start":1007.115,"end":1007.435,"sentiment":"neutral","sentiment_score":0.04533602297306061}],"sentiment":"neutral","sentiment_score":0.021815895632420097,"num_words":31,"start":991.75,"end":1007.435},{"sentences":[{"text":"No.","start":1007.435,"end":1007.91504,"sentiment":"neutral","sentiment_score":0.01603483036160469},{"text":"That's just what we're trying changing it through in terms of a weight, a weighted allocation.","start":1007.91504,"end":1013.375,"sentiment":"neutral","sentiment_score":0.08637964818626642},{"text":"So you can see that you have ten and four and twenty five and seven, three, making sure we we keep it diversified for you.","start":1014.155,"end":1022.48,"sentiment":"neutral","sentiment_score":0.2803017383813858},{"text":"The bottom two says the BetaShares Australia two hundred is that one that we kind of swapped out for Bennelong.","start":1023.18,"end":1029.6,"sentiment":"neutral","sentiment_score":0.1275043074041605},{"text":"So this one is more yeah.","start":1030.54,"end":1032.535,"sentiment":"neutral","sentiment_score":0.10327028234799702}],"sentiment":"neutral","sentiment_score":0.17022588975070155,"num_words":68,"start":1007.435,"end":1032.535},{"sentences":[{"text":"So, again, we wanna make sure you have your Australian equity component.","start":1032.535,"end":1036.235,"sentiment":"neutral","sentiment_score":0.19249857837955156},{"text":"I wanna, you know, invest in that as well.","start":1036.4551,"end":1039.755,"sentiment":"neutral","sentiment_score":0.18810690939426422},{"text":"But the Bennelong was that active fund that kind of underperformed.","start":1039.9751,"end":1043.8351,"sentiment":"neutral","sentiment_score":0.03590736064043912},{"text":"The purpose of that is for them to kind of And sometimes that can work out really well if they have a really good philosophy, and, historically, they have done really, really well.","start":1044.055,"end":1057.6901,"sentiment":"neutral","sentiment_score":0.30435360968112946},{"text":"But then, yeah, like, the last year or so, that's when they had the issue with one of the investments, with the suspense on one of the the companies there.","start":1057.91,"end":1067.245,"sentiment":"neutral","sentiment_score":-0.11594660642246406}],"sentiment":"neutral","sentiment_score":0.11540207388369661,"num_words":95,"start":1032.535,"end":1067.245},{"sentences":[{"text":"So it just hasn't done as well.","start":1067.625,"end":1069.305,"sentiment":"neutral","sentiment_score":-0.1912907361984253},{"text":"So we wanna swap that out for you.","start":1069.305,"end":1071.405,"sentiment":"neutral","sentiment_score":0.12058274354785681},{"text":"I'm still keeping the Australian, but we're swapping it through the Australia two hundred.","start":1071.625,"end":1077.46,"sentiment":"neutral","sentiment_score":0.12413807639053889},{"text":"And that one is it's pretty simple that it just invest in the 200 largest companies listed on the ASX.","start":1077.76,"end":1084.26,"sentiment":"neutral","sentiment_score":0.1757837448269129},{"text":"So you will have, you know, companies yeah.","start":1084.72,"end":1087.38,"sentiment":"neutral","sentiment_score":0.08861365774646401}],"sentiment":"neutral","sentiment_score":0.0980376144380946,"num_words":57,"start":1067.625,"end":1087.38},{"sentences":[{"text":"Like Yeah.","start":1087.9349,"end":1090.735,"sentiment":"neutral","sentiment_score":0.045409126207232475},{"text":"So it's like Commonwealth and CHB, Woolworths.","start":1090.735,"end":1094.015,"sentiment":"neutral","sentiment_score":0.07372148654290608},{"text":"Like, the big companies there for you as well.","start":1094.015,"end":1096.515,"sentiment":"neutral","sentiment_score":0.10712985528839959},{"text":"Exactly.","start":1099.695,"end":1100.195,"sentiment":"neutral","sentiment_score":-0.009883524850010872},{"text":"Exact yeah.","start":1103.68,"end":1104.48,"sentiment":"neutral","sentiment_score":0.04992040991783142}],"sentiment":"neutral","sentiment_score":0.07909498337124075,"num_words":21,"start":1087.9349,"end":1104.48},{"sentences":[{"text":"Kind of.","start":1104.48,"end":1104.88,"sentiment":"neutral","sentiment_score":0.05435164086520672},{"text":"You you invest in little bit little portion in different companies or different options kind of thing.","start":1104.88,"end":1109.62,"sentiment":"neutral","sentiment_score":0.09847732479957973},{"text":"Exactly.","start":1113.4401,"end":1113.9401,"sentiment":"neutral","sentiment_score":-0.022914892062544823},{"text":"Exactly.","start":1115.535,"end":1115.8551,"sentiment":"neutral","sentiment_score":0.03257256746292114},{"text":"Yeah.","start":1115.8551,"end":1116.255,"sentiment":"neutral","sentiment_score":0.037365540862083435}],"sentiment":"neutral","sentiment_score":0.0831745917993513,"num_words":22,"start":1104.48,"end":1116.255},{"sentences":[{"text":"So we obviously overall, the, you know, the structure of the portfolio is similar, but it's just swapping some investment out.","start":1116.255,"end":1122.7351,"sentiment":"neutral","sentiment_score":0.012292553293740465},{"text":"So I've kind of been underperforming a little bit and swapping it out through to different investments.","start":1122.7351,"end":1127.555,"sentiment":"neutral","sentiment_score":0.03362894014400594},{"text":"And by doing so as well, the fees have actually reduced a little bit, which is great, which is what I will show you in the next couple of pages.","start":1128.7351,"end":1136.6,"sentiment":"positive","sentiment_score":0.517309860388438},{"text":"But the biggest thing is also that the returns have have improved.","start":1136.6,"end":1140.62,"sentiment":"positive","sentiment_score":0.593317781885465},{"text":"So on the next page, you will see that proposed asset allocation.","start":1141.1599,"end":1143.5199,"sentiment":"neutral","sentiment_score":0.17689455611010393}],"sentiment":"neutral","sentiment_score":0.2781704290132241,"num_words":92,"start":1116.255,"end":1143.5199},{"sentences":[{"text":"Can you see that okay, Paul?","start":1143.5199,"end":1147.0751,"sentiment":"neutral","sentiment_score":0.1059862847129504},{"text":"Yep.","start":1148.7351,"end":1148.895,"sentiment":"neutral","sentiment_score":0.11731232702732086},{"text":"Yeah.","start":1148.895,"end":1149.395,"sentiment":"neutral","sentiment_score":0.2423131763935089},{"text":"Perfect.","start":1149.775,"end":1150.255,"sentiment":"positive","sentiment_score":0.4127262234687805},{"text":"So you can see here that between the existing column and the proposed column, they are very similar.","start":1150.255,"end":1156.675,"sentiment":"neutral","sentiment_score":0.07449467366354333}],"sentiment":"neutral","sentiment_score":0.10182124300411453,"num_words":27,"start":1143.5199,"end":1156.675},{"sentences":[{"text":"So existing is how you are currently invested.","start":1156.7351,"end":1159.65,"sentiment":"neutral","sentiment_score":0.004794265958480537},{"text":"Proposed is what I'm suggesting to change it.","start":1159.91,"end":1163.29,"sentiment":"neutral","sentiment_score":-0.00815328853786923},{"text":"So you will see that they are pretty similar in terms of how they are invested.","start":1163.43,"end":1167.37,"sentiment":"neutral","sentiment_score":0.06295547890476882},{"text":"It's just swapping some of those investment out for other ones.","start":1168.31,"end":1174.155,"sentiment":"neutral","sentiment_score":-0.03511659919538281},{"text":"But yeah.","start":1174.155,"end":1174.7151,"sentiment":"neutral","sentiment_score":0.005195198114961386}],"sentiment":"neutral","sentiment_score":0.013433850820486743,"num_words":45,"start":1156.7351,"end":1174.7151},{"sentences":[{"text":"Exactly.","start":1174.7151,"end":1175.2151,"sentiment":"neutral","sentiment_score":0.038042809814214706},{"text":"Now the next page for me, you will see a fee comparison table.","start":1176.795,"end":1182.015,"sentiment":"neutral","sentiment_score":0.037569223544918574},{"text":"Can you see that?","start":1182.155,"end":1185.3201,"sentiment":"neutral","sentiment_score":0.029384206049144268},{"text":"Yep.","start":1185.38,"end":1185.88,"sentiment":"neutral","sentiment_score":0.020979996770620343},{"text":"Yep.","start":1186.26,"end":1186.76,"sentiment":"neutral","sentiment_score":0.04172249883413315}],"sentiment":"neutral","sentiment_score":0.035334101784974335,"num_words":20,"start":1174.7151,"end":1186.76},{"sentences":[{"text":"Now this one can look a little bit messy sometimes, but it basically puts all the math and calculation, everything there for you so you can see it.","start":1187.62,"end":1195.72,"sentiment":"neutral","sentiment_score":0.06130124808156064},{"text":"So you can see your current situation.","start":1196.1,"end":1198.925,"sentiment":"neutral","sentiment_score":0.0709201129419463},{"text":"So your hub twenty four currently, the fees that you are currently paying in hub twenty four, contributions going into super as well.","start":1198.925,"end":1207.485,"sentiment":"neutral","sentiment_score":0.06722395267823468},{"text":"You don't have any insured premiums coming out.","start":1207.485,"end":1210.225,"sentiment":"neutral","sentiment_score":-0.03170262579806149},{"text":"You will see you following me so far, Paul?","start":1210.525,"end":1214.3099,"sentiment":"neutral","sentiment_score":0.02952507986790604}],"sentiment":"neutral","sentiment_score":0.050281751478711764,"num_words":75,"start":1187.62,"end":1214.3099},{"sentences":[{"text":"Yeah.","start":1215.65,"end":1216.15,"sentiment":"neutral","sentiment_score":0.01685308665037155},{"text":"Yeah.","start":1219.97,"end":1220.47,"sentiment":"neutral","sentiment_score":0.060617461800575256},{"text":"Exactly.","start":1220.53,"end":1221.03,"sentiment":"neutral","sentiment_score":0.07649759203195572},{"text":"So even on the current, you will see that we've used a five year rolling average on your current portfolio.","start":1222.05,"end":1227.665,"sentiment":"neutral","sentiment_score":0.08294374756515026},{"text":"And it's obviously, during those five years, it's then averaging it out over the whole time frame.","start":1229.3251,"end":1234.465,"sentiment":"neutral","sentiment_score":0.05811531874625122}],"sentiment":"neutral","sentiment_score":0.07002008776180446,"num_words":40,"start":1215.65,"end":1234.465},{"sentences":[{"text":"And some of those years, they've done better and others worse.","start":1234.845,"end":1238.54,"sentiment":"neutral","sentiment_score":-0.19338118014010516},{"text":"So to give you a bit more of, you know, more of what's happened in the market and the portfolio, we do wanna use a five year rolling average, because if I used twelve months, depending on when I used it, it would be very different outcome.","start":1238.54,"end":1252.505,"sentiment":"neutral","sentiment_score":-0.01458425966507577},{"text":"So this gives you a bit more realistically kind of what's happened historically, if that makes sense.","start":1252.725,"end":1257.9451,"sentiment":"neutral","sentiment_score":0.12821898960015354},{"text":"Yeah.","start":1264.645,"end":1264.98,"sentiment":"neutral","sentiment_score":0.18328510224819183},{"text":"Yeah.","start":1268.1799,"end":1268.6799,"sentiment":"neutral","sentiment_score":0.1170717179775238}],"sentiment":"neutral","sentiment_score":-0.004319136913914185,"num_words":77,"start":1234.845,"end":1268.6799},{"sentences":[{"text":"Exactly.","start":1268.74,"end":1269.24,"sentiment":"neutral","sentiment_score":0.1392640620470047},{"text":"Now on the recommended, like I said, we are staying in Hub 24, making some changes.","start":1270.34,"end":1277.0599,"sentiment":"neutral","sentiment_score":0.1014572186395526},{"text":"You can see here that the the biggest change or the really, the the only change is the investment fee, and that is just simply by swapping your investment.","start":1277.0599,"end":1286.815,"sentiment":"neutral","sentiment_score":0.1321093571083299},{"text":"Does that make sense?","start":1289.835,"end":1290.895,"sentiment":"neutral","sentiment_score":0.12292957119643688},{"text":"So not making any other Yeah.","start":1291.275,"end":1294.635,"sentiment":"neutral","sentiment_score":0.02678108587861061}],"sentiment":"neutral","sentiment_score":0.11153849493712187,"num_words":56,"start":1268.74,"end":1294.635},{"sentences":[{"text":"It's just and and, again, because because they are active and the purpose is to try to outperform because they use a lot more research and stuff to try to sell and buy a lot more frequent or trying to outperform, they tend to cost a little bit more because there's a lot more involved in it than just kind of, you know, tracking, let's say, the 500 biggest companies.","start":1294.635,"end":1315.8451,"sentiment":"neutral","sentiment_score":0.11277047273303781},{"text":"That just kind of follows along and tracks it, so it's a lot cheaper that way.","start":1315.8451,"end":1320.905,"sentiment":"neutral","sentiment_score":0.19747927458956838},{"text":"So that makes a pretty big difference.","start":1321.525,"end":1323.625,"sentiment":"positive","sentiment_score":0.35514202288218905},{"text":"And even the returns, you can see as well, again, using the five year rolling average.","start":1324.805,"end":1329.97,"sentiment":"positive","sentiment_score":0.3446132931858301},{"text":"You can then see the difference between the two portfolios as well that even though it is cheaper in terms of fee, historically, it has performed quite a bit better as well.","start":1330.8301,"end":1343.475,"sentiment":"neutral","sentiment_score":0.33021786669269204}],"sentiment":"neutral","sentiment_score":0.2100736175181595,"num_words":141,"start":1294.635,"end":1343.475},{"sentences":[{"text":"Now, yeah, now I do wanna let you know that because we are making changes in the investment, I've tried to minimize this as much as possible.","start":1346.095,"end":1355.79,"sentiment":"neutral","sentiment_score":0.1683867609611264},{"text":"There will still be some capital gains tax because we are changing some of your investment.","start":1355.85,"end":1361.87,"sentiment":"neutral","sentiment_score":0.06104419915936887},{"text":"Now that is the difference at the top where the balance is.","start":1362.65,"end":1367.505,"sentiment":"neutral","sentiment_score":0.12217199926575024},{"text":"So it does change when you calculate it because the prices change all the time.","start":1367.505,"end":1372.0851,"sentiment":"neutral","sentiment_score":0.09120648205280305},{"text":"But when I did the calculation, it showed that by making the changes, there will be roughly 1,638 in capital gains tax from super.","start":1372.305,"end":1385.52,"sentiment":"neutral","sentiment_score":0.03958710857356588}],"sentiment":"neutral","sentiment_score":0.09901491021539302,"num_words":94,"start":1346.095,"end":1385.52},{"sentences":[{"text":"So you don't pay for it within superannuation.","start":1385.52,"end":1387.78,"sentiment":"neutral","sentiment_score":0.013557411264628172},{"text":"But I do wanna let you know so that you are aware.","start":1388.4,"end":1391.06,"sentiment":"neutral","sentiment_score":0.18153921763102213},{"text":"Good thing is that the investment fees alone will pretty quickly make up for that difference and then the returns as well.","start":1391.52,"end":1398.785,"sentiment":"positive","sentiment_score":0.692632102153518},{"text":"And because you're not looking at, obviously, retiring tomorrow, there is time for that.","start":1398.785,"end":1402.8049,"sentiment":"neutral","sentiment_score":0.26475479028054644},{"text":"But I do wanna let you know as well.","start":1403.105,"end":1405.0449,"sentiment":"neutral","sentiment_score":0.25056647260983783}],"sentiment":"positive","sentiment_score":0.36133079179204425,"num_words":65,"start":1385.52,"end":1405.0449},{"sentences":[{"text":"Yep.","start":1406.065,"end":1406.565,"sentiment":"neutral","sentiment_score":0.06537653505802155},{"text":"Any questions so far, Paul?","start":1406.785,"end":1408.645,"sentiment":"neutral","sentiment_score":0.05095156878232956},{"text":"I tried, but this is this is this is the the the lowest I could come and part of the research because I had a lot a lot of different configurations on investment options, and this was the lowest one that would still give you the same in terms of the fees and the returns.","start":1414.4,"end":1434.005,"sentiment":"neutral","sentiment_score":0.09053255847909233},{"text":"To pay no tax would just be leave everything the way that it has been.","start":1434.305,"end":1438.005,"sentiment":"neutral","sentiment_score":0.1096228631834189},{"text":"But, obviously, the the returns and the performance, especially that hasn't been great, and it's also costing a little bit more in fee.","start":1438.7051,"end":1447.04,"sentiment":"neutral","sentiment_score":0.07642068373768227}],"sentiment":"neutral","sentiment_score":0.08789337140442145,"num_words":99,"start":1406.065,"end":1447.04},{"sentences":[{"text":"So this was kind of the the best I could get for you with minimizing the tax while still improving the other areas.","start":1447.74,"end":1462.975,"sentiment":"neutral","sentiment_score":0.2217994695124419},{"text":"Yes.","start":1473.72,"end":1474.22,"sentiment":"neutral","sentiment_score":-0.09667276591062546},{"text":"Yes.","start":1475.64,"end":1476.12,"sentiment":"neutral","sentiment_score":-0.02491123601794243},{"text":"If if it is so, then most definitely.","start":1476.12,"end":1478.62,"sentiment":"neutral","sentiment_score":-0.032565956469625235},{"text":"Now sometimes as well, you you don't want to sell quickly.","start":1479.0,"end":1484.915,"sentiment":"neutral","sentiment_score":-0.09360327876426956}],"sentiment":"neutral","sentiment_score":0.0838554563339461,"num_words":44,"start":1447.74,"end":1484.915},{"sentences":[{"text":"Like, we don't wanna obviously day trade your superannuation because often when they do dip, they tend to come back pretty quickly.","start":1484.915,"end":1492.295,"sentiment":"neutral","sentiment_score":-0.10291415237059648},{"text":"So it's something you obviously keep an eye out because you also don't always wanna sell when it's when it's dropped because then you are selling at a loss.","start":1493.155,"end":1500.4451,"sentiment":"neutral","sentiment_score":-0.02193648782398166},{"text":"So especially Ben along exactly.","start":1500.4451,"end":1502.3142,"sentiment":"neutral","sentiment_score":0.05074883848428726},{"text":"So it's it's that kind of, like, we obviously have an investment committee that deep dives into all the research and everything like that.","start":1502.3142,"end":1509.7904,"sentiment":"neutral","sentiment_score":0.038593667869766556},{"text":"And it's only when they kind of deep dive into everything and then to see that, okay.","start":1509.7904,"end":1514.405,"sentiment":"neutral","sentiment_score":0.006981388830086764}],"sentiment":"neutral","sentiment_score":-0.01651127492413693,"num_words":97,"start":1484.915,"end":1514.405},{"sentences":[{"text":"Well, this isn't really worth coming back from or it's, you know, all these reasons they should see potentially there are better options, we then swap out.","start":1514.405,"end":1523.145,"sentiment":"neutral","sentiment_score":-0.176123616596063},{"text":"But they do need regular to kinda do this.","start":1523.605,"end":1526.4401,"sentiment":"neutral","sentiment_score":0.10765704181459215},{"text":"And most definitely, if there is another situation where we feel like, you know what, it's this one isn't going to, let's say, Japan isn't going to be the way, then we can very easily swap it out.","start":1526.9,"end":1537.7001,"sentiment":"neutral","sentiment_score":0.01308176382199714},{"text":"Top 20 four, because there's hundreds of different options for us to choose from, allows us to do that.","start":1537.7001,"end":1543.115,"sentiment":"neutral","sentiment_score":0.16289794347003886},{"text":"Yeah.","start":1544.375,"end":1544.875,"sentiment":"neutral","sentiment_score":0.3220110535621643}],"sentiment":"neutral","sentiment_score":0.0013590929038981175,"num_words":94,"start":1514.405,"end":1544.875},{"sentences":[{"text":"Yes.","start":1547.095,"end":1547.595,"sentiment":"neutral","sentiment_score":0.22489836812019348},{"text":"Yes.","start":1548.215,"end":1548.535,"sentiment":"neutral","sentiment_score":0.2842789590358734},{"text":"I think so too.","start":1548.535,"end":1549.415,"sentiment":"positive","sentiment_score":0.4230264350771904},{"text":"And that's also the biggest kind of the the active management with Ben on, they can be really good, and that's why it was recommended in your portfolio at that time because they've done really, really well.","start":1549.415,"end":1560.37,"sentiment":"positive","sentiment_score":0.5618219593086758},{"text":"But because they you know, it can be a little bit higher in fees as well, it is also one you do wanna keep an eye on because of that because it's not always that it outperforms the market by having good active managers.","start":1560.99,"end":1573.1449,"sentiment":"neutral","sentiment_score":0.20636800066991287}],"sentiment":"positive","sentiment_score":0.3686079033489885,"num_words":87,"start":1547.095,"end":1573.1449},{"sentences":[{"text":"And that's also why, obviously, everything wasn't in that.","start":1573.445,"end":1576.0249,"sentiment":"neutral","sentiment_score":0.0953576150867674},{"text":"But that's also now because you are obviously getting closer to retirement, we wanna limit and kind of limit volatility a little bit that most of these all of these investments are kind of tracking that index.","start":1576.565,"end":1588.69,"sentiment":"neutral","sentiment_score":0.1794493327269683},{"text":"So even if, for example, one of the companies, let's say, in the S and P 500, does badly, that falls out, and then another one will come in, if that makes sense.","start":1588.69,"end":1599.495,"sentiment":"neutral","sentiment_score":-0.06522041237489744},{"text":"So it's a little bit, yeah, a little bit different that way.","start":1600.5149,"end":1603.6349,"sentiment":"neutral","sentiment_score":-0.005116195936958927},{"text":"But most definitely, it's something we always keep an eye on because you never know.","start":1603.6349,"end":1607.335,"sentiment":"neutral","sentiment_score":0.21708412269751232}],"sentiment":"neutral","sentiment_score":0.08057016724081412,"num_words":106,"start":1573.445,"end":1607.335},{"sentences":[{"text":"Things can always change.","start":1607.6349,"end":1608.9,"sentiment":"neutral","sentiment_score":0.27938008308410645},{"text":"So it is something that we are actively looking at all the investments, and that's why the annual reviews are so good as well.","start":1608.98,"end":1615.16,"sentiment":"positive","sentiment_score":0.47449320803085965},{"text":"They also gives us an opportunity in between everything to then kind of reassess everything.","start":1615.62,"end":1620.6,"sentiment":"positive","sentiment_score":0.4406924823919932},{"text":"Yeah.","start":1625.615,"end":1625.935,"sentiment":"neutral","sentiment_score":0.05593821033835411},{"text":"Yes.","start":1625.935,"end":1626.3351,"sentiment":"neutral","sentiment_score":0.10020221769809724}],"sentiment":"positive","sentiment_score":0.42826411086652016,"num_words":45,"start":1607.6349,"end":1626.3351},{"sentences":[{"text":"There's obviously a lot of lot a lot going on, a lot going on over there at the moment.","start":1626.3351,"end":1631.795,"sentiment":"neutral","sentiment_score":0.02436379068776181},{"text":"No.","start":1633.775,"end":1634.275,"sentiment":"negative","sentiment_score":-0.4828240275382995},{"text":"And, you know, some people would say there's some opportunities, and then, obviously, you don't wanna take too much of a risk as well, especially, you know, with your superannuation and your retirement savings.","start":1635.055,"end":1644.3201,"sentiment":"neutral","sentiment_score":-0.1444418866406469},{"text":"Now on the next page there for me, Paul, you will see kind of a projected balance and then the returns listed.","start":1646.78,"end":1652.78,"sentiment":"neutral","sentiment_score":0.07771722887727348},{"text":"Can you see that?","start":1652.78,"end":1658.015,"sentiment":"neutral","sentiment_score":0.04389980807900429}],"sentiment":"neutral","sentiment_score":-0.03806947353295982,"num_words":80,"start":1626.3351,"end":1658.015},{"sentences":[{"text":"Yes.","start":1658.7151,"end":1659.035,"sentiment":"neutral","sentiment_score":0.1227213516831398},{"text":"Exactly.","start":1659.035,"end":1659.535,"sentiment":"neutral","sentiment_score":0.2030900716781616},{"text":"So that just kind of flows on through the returns and the fees.","start":1659.755,"end":1663.055,"sentiment":"neutral","sentiment_score":0.2725243419408798},{"text":"Just kind of showing you that, you know, if everything stays on track and projected, that's kind of the difference by making the change.","start":1663.8351,"end":1673.3,"sentiment":"positive","sentiment_score":0.3461098385353883},{"text":"And that also factors in the tax, obviously, coming out.","start":1673.3,"end":1676.74,"sentiment":"neutral","sentiment_score":0.11480477005243302}],"sentiment":"neutral","sentiment_score":0.27190432028502837,"num_words":49,"start":1658.7151,"end":1676.74},{"sentences":[{"text":"It factors in all of that because, obviously, the the compound so the in return does compound and make a difference and then also by saving you in that investment fee.","start":1676.74,"end":1687.7949,"sentiment":"neutral","sentiment_score":0.1611705415191189},{"text":"Yeah.","start":1698.75,"end":1699.25,"sentiment":"neutral","sentiment_score":0.0027063842862844467},{"text":"Exactly.","start":1699.47,"end":1699.97,"sentiment":"neutral","sentiment_score":0.04034099727869034},{"text":"Which, hopefully, we'll try our best to obviously make sure you can get as close to that and obviously making the change.","start":1701.07,"end":1706.655,"sentiment":"neutral","sentiment_score":0.15735693377527324},{"text":"You can even see here annualized investments.","start":1706.655,"end":1709.295,"sentiment":"neutral","sentiment_score":0.1312315719468253}],"sentiment":"neutral","sentiment_score":0.15193238250550725,"num_words":62,"start":1676.74,"end":1709.295},{"sentences":[{"text":"You can see that underneath it, which you can see that, obviously, that's the full fees.","start":1709.295,"end":1714.035,"sentiment":"neutral","sentiment_score":0.03922303160652518},{"text":"The twelve month in your current haven't done too well.","start":1714.175,"end":1718.3351,"sentiment":"neutral","sentiment_score":-0.20442797243595123},{"text":"But when you look a bit more three and five years, it's done better, but not as good as the recommended.","start":1718.3351,"end":1724.02,"sentiment":"neutral","sentiment_score":-0.25751406273671557},{"text":"Yep.","start":1730.64,"end":1731.14,"sentiment":"neutral","sentiment_score":0.07554681599140167},{"text":"Yes.","start":1733.84,"end":1734.045,"sentiment":"neutral","sentiment_score":0.060948558151721954}],"sentiment":"neutral","sentiment_score":-0.13649002371393903,"num_words":49,"start":1709.295,"end":1734.045},{"sentences":[{"text":"Yes.","start":1734.525,"end":1735.025,"sentiment":"neutral","sentiment_score":0.05442526191473007},{"text":"If you keep on working, no.","start":1735.165,"end":1737.5851,"sentiment":"neutral","sentiment_score":-0.03407857846468687},{"text":"Yeah.","start":1739.245,"end":1739.645,"sentiment":"neutral","sentiment_score":0.1613522171974182},{"text":"And, also, I have even shown you because even if you retire and at 65, depending on if you wanna take it as a lump sum or an income stream, but if you take it as an income, then, you know, if you're not taking everything at once, the the remaining of your money are still being invested.","start":1739.645,"end":1757.0,"sentiment":"neutral","sentiment_score":0.1691232829772193},{"text":"You're still getting returns on those.","start":1757.38,"end":1759.1599,"sentiment":"neutral","sentiment_score":0.09275973588228226}],"sentiment":"neutral","sentiment_score":0.14412520605967277,"num_words":72,"start":1734.525,"end":1759.1599},{"sentences":[{"text":"Exactly.","start":1759.7,"end":1760.2,"sentiment":"neutral","sentiment_score":0.1271573156118393},{"text":"Which is on the next page, page six seventeen.","start":1760.6599,"end":1765.245,"sentiment":"neutral","sentiment_score":0.07587771779961056},{"text":"Can you see that retirement income calculation?","start":1765.705,"end":1768.0449,"sentiment":"neutral","sentiment_score":0.06406536166157041},{"text":"Yeah.","start":1770.585,"end":1770.985,"sentiment":"positive","sentiment_score":0.3733505308628082},{"text":"Perfect.","start":1770.985,"end":1771.485,"sentiment":"positive","sentiment_score":0.5831458568572998}],"sentiment":"neutral","sentiment_score":0.11657951027154922,"num_words":19,"start":1759.7,"end":1771.485},{"sentences":[{"text":"Now this just kind of gives you an overview on, you know, if you were to retire at 65 and draw an income of 1,500 per week.","start":1771.865,"end":1784.37,"sentiment":"neutral","sentiment_score":0.2012037071916792},{"text":"The black, you can see, is your superannuation.","start":1784.75,"end":1787.01,"sentiment":"neutral","sentiment_score":0.045801627449691296},{"text":"The the blue is where potential age pension would come into play.","start":1787.9099,"end":1793.465,"sentiment":"neutral","sentiment_score":0.03709919905910889},{"text":"Yeah.","start":1795.6849,"end":1796.165,"sentiment":"neutral","sentiment_score":0.06738434731960297},{"text":"So, basically, if you were to take yeah.","start":1796.165,"end":1799.205,"sentiment":"neutral","sentiment_score":0.0059873833088204265}],"sentiment":"neutral","sentiment_score":0.1135604806477204,"num_words":56,"start":1771.865,"end":1799.205},{"sentences":[{"text":"The bottom there.","start":1799.205,"end":1800.1849,"sentiment":"neutral","sentiment_score":-0.013281891122460365},{"text":"Now, basically, if you were to take that at $1,500 per week from 65, let's say you stop working at 65 and you take it, then it will last basically until 92, and then it would only be age pension onwards.","start":1800.405,"end":1817.2999,"sentiment":"neutral","sentiment_score":-0.003340068545828505},{"text":"Assuming you, you know, stop working at 65 and take out that amount, you might wanna take out more to a bit less depending on, obviously, what's happening for you.","start":1818.1599,"end":1827.355,"sentiment":"neutral","sentiment_score":-0.05475150290876627},{"text":"And then, also, if you do work longer, even if you say, like, work part time at 65, you'll have more money going in.","start":1828.375,"end":1835.52,"sentiment":"neutral","sentiment_score":0.02081337260703246},{"text":"You might not take as much out.","start":1835.52,"end":1837.38,"sentiment":"neutral","sentiment_score":-0.09618563950061798}],"sentiment":"neutral","sentiment_score":-0.01898202004709414,"num_words":105,"start":1799.205,"end":1837.38},{"sentences":[{"text":"That also make it makes a difference.","start":1837.4401,"end":1839.28,"sentiment":"neutral","sentiment_score":0.02270405207361494},{"text":"Mhmm.","start":1839.28,"end":1839.78,"sentiment":"neutral","sentiment_score":-0.08742384612560272},{"text":"Yep.","start":1854.6549,"end":1855.135,"sentiment":"neutral","sentiment_score":0.2447417378425598},{"text":"Yes.","start":1855.135,"end":1855.635,"sentiment":"neutral","sentiment_score":0.2310587763786316},{"text":"And there is Tab Space for it.","start":1856.4149,"end":1858.575,"sentiment":"neutral","sentiment_score":0.1352705146585192}],"sentiment":"neutral","sentiment_score":0.08789403736591339,"num_words":17,"start":1837.4401,"end":1858.575},{"sentences":[{"text":"So the only thing I would be mindful of, you can still do it more.","start":1858.575,"end":1863.54,"sentiment":"neutral","sentiment_score":0.05299005980292956},{"text":"It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is keeping yeah.","start":1864.16,"end":1876.335,"sentiment":"neutral","sentiment_score":0.07104030777426328},{"text":"It's to keep under 30,000, including your employer contribution.","start":1876.335,"end":1881.955,"sentiment":"neutral","sentiment_score":0.06120866619878345},{"text":"That is the $30.","start":1883.0549,"end":1885.875,"sentiment":"neutral","sentiment_score":0.028241407126188278},{"text":"Yeah.","start":1886.015,"end":1886.415,"sentiment":"neutral","sentiment_score":0.07539188861846924}],"sentiment":"neutral","sentiment_score":0.06268979165525664,"num_words":63,"start":1858.575,"end":1886.415},{"sentences":[{"text":"So let me get this up here for you, actually, while I have it because that shows the table shows let me see if I can get this up here for you just to see how much space you have left.","start":1886.415,"end":1907.1549,"sentiment":"neutral","sentiment_score":0.07881383852260869},{"text":"Because, yeah, you can do up to 30,000 per financial year before the salary.","start":1907.1549,"end":1915.4149,"sentiment":"neutral","sentiment_score":0.04745808895677328},{"text":"Yeah.","start":1915.475,"end":1915.975,"sentiment":"neutral","sentiment_score":0.06104918196797371},{"text":"So let's see here.","start":1916.9149,"end":1919.05,"sentiment":"neutral","sentiment_score":0.05948116444051266},{"text":"With your income, I know it kind of fluctuates a little bit, but if it is roughly around the 91,000, then your employer puts in before tax, because he does calculate it before tax, 10,920 contributions going into super east tax at at 15%, which is why it's a slightly different figure in the research paper there for you because that shows you the after tax at what you get.","start":1924.31,"end":1957.815,"sentiment":"neutral","sentiment_score":0.013284753815137914}],"sentiment":"neutral","sentiment_score":0.03942067101239585,"num_words":130,"start":1886.415,"end":1957.815},{"sentences":[{"text":"So tax everywhere.","start":1957.815,"end":1964.395,"sentiment":"neutral","sentiment_score":-0.30725373327732086},{"text":"Right?","start":1964.455,"end":1964.955,"sentiment":"neutral","sentiment_score":-0.1987440586090088},{"text":"Yeah.","start":1968.215,"end":1968.715,"sentiment":"neutral","sentiment_score":-0.05784834921360016},{"text":"Well, at least the the good thing is that it is 15.","start":1970.54,"end":1974.0,"sentiment":"neutral","sentiment_score":0.13547210690254965},{"text":"Obviously, your marginal tax rate would be higher, which is still why seller sacrifice is good because you still reduce your taxable income as long as you pay, obviously, over 50% in tax, which you would pay in your tax bracket.","start":1974.14,"end":1990.865,"sentiment":"neutral","sentiment_score":-0.038932232958514515}],"sentiment":"neutral","sentiment_score":-0.01980879096763915,"num_words":58,"start":1957.815,"end":1990.865},{"sentences":[{"text":"I guess it depends.","start":1996.445,"end":1997.505,"sentiment":"neutral","sentiment_score":-0.1659202892333269},{"text":"Well, you might not have to tell them.","start":1999.62,"end":2001.0599,"sentiment":"neutral","sentiment_score":-0.13052153587341309},{"text":"No.","start":2001.0599,"end":2001.5599,"sentiment":"neutral","sentiment_score":-0.14782315492630005},{"text":"It depends, obviously, yeah, what what your goals are and stuff like that.","start":2002.02,"end":2006.6,"sentiment":"neutral","sentiment_score":-0.0022530263433089624},{"text":"But, yes, if you put it in through super and it is good to salary sacrifice because your money is still invested and compounded.","start":2007.0599,"end":2012.68,"sentiment":"positive","sentiment_score":0.3333069918056329}],"sentiment":"neutral","sentiment_score":0.12228803724050522,"num_words":50,"start":1996.445,"end":2012.68},{"sentences":[{"text":"But, yes, it does get taxed 15% going in, and there is that max of 30,000 per financial year.","start":2013.62,"end":2020.585,"sentiment":"neutral","sentiment_score":0.11454364343693382},{"text":"Yes.","start":2025.845,"end":2026.245,"sentiment":"neutral","sentiment_score":0.2889954745769501},{"text":"Which which I have factored in here for you.","start":2026.245,"end":2028.565,"sentiment":"positive","sentiment_score":0.3657275140285492},{"text":"So includes it.","start":2028.565,"end":2029.7001,"sentiment":"neutral","sentiment_score":0.28876805305480957},{"text":"So the $40 per week, you stay well under the cap.","start":2029.7001,"end":2033.64,"sentiment":"neutral","sentiment_score":0.31799239733002405}],"sentiment":"neutral","sentiment_score":0.235374252463496,"num_words":43,"start":2013.62,"end":2033.64},{"sentences":[{"text":"If you wanted to do a little bit more, you could and still stay under the cap.","start":2034.02,"end":2038.5,"sentiment":"neutral","sentiment_score":0.10198489160222166},{"text":"If you wanna change it by a lot, I would say just give me a call, and I can just do the the numbers for you just to make sure you stay under that cap.","start":2038.5,"end":2047.835,"sentiment":"neutral","sentiment_score":0.08465239895241601},{"text":"Yep.","start":2048.855,"end":2049.355,"sentiment":"neutral","sentiment_score":0.18487334251403809},{"text":"Almost at the end there for you, which basically just outlines ongoing services, which which you would know know that, obviously, every 12 months, we do that kind of comprehensive annual review, which, you know, we reassess everything for you.","start":2050.855,"end":2065.7698,"sentiment":"neutral","sentiment_score":0.21158317811787128},{"text":"But, you know, if anything changes in the meantime, always give us a call.","start":2066.23,"end":2069.3499,"sentiment":"neutral","sentiment_score":0.1529267504811287}],"sentiment":"neutral","sentiment_score":0.14472665508913102,"num_words":107,"start":2034.02,"end":2069.3499},{"sentences":[{"text":"We can always reevaluate everything for you.","start":2069.3499,"end":2072.01,"sentiment":"neutral","sentiment_score":0.2991903807435717},{"text":"And, obviously, we do keep an eye on investments and everything in the back end.","start":2072.47,"end":2076.175,"sentiment":"neutral","sentiment_score":0.2530761907498042},{"text":"Also, you know, when you do turn 60, there are different strategies we can have a look at for you that is tax effective, especially if your goal is to kinda minimize tax a little bit, especially if you are still working where, you know, when you do turn 60, you can access up to 10% tax free from super.","start":2076.955,"end":2096.23,"sentiment":"neutral","sentiment_score":0.3064592083295186},{"text":"So we can work on different figures where you actually start drawing a little bit of an income from super, which will be tax free.","start":2096.93,"end":2102.955,"sentiment":"positive","sentiment_score":0.4018314850330353},{"text":"And at the same time, your salary sacrifice a little bit into super.","start":2103.095,"end":2106.375,"sentiment":"neutral","sentiment_score":0.29917937660446536}],"sentiment":"neutral","sentiment_score":0.3184428920658926,"num_words":120,"start":2069.3499,"end":2106.375},{"sentences":[{"text":"So your your income stays the same, but you basically save a little bit on tax by salary sacrificing and taking some money out.","start":2106.375,"end":2114.1401,"sentiment":"neutral","sentiment_score":0.21839798148721457},{"text":"So when you turn 60, if you're still working and you wanna look at that, I definitely highly suggest something we can do the research on, then we can run that number for you as well and see if we can make things a little bit harder, work harder for you.","start":2114.1401,"end":2128.925,"sentiment":"neutral","sentiment_score":0.15387979011033096},{"text":"Yep.","start":2128.925,"end":2129.425,"sentiment":"neutral","sentiment_score":0.08665002882480621},{"text":"Yep.","start":2135.965,"end":2136.465,"sentiment":"neutral","sentiment_score":0.09917984902858734},{"text":"And, obviously, there's no changes to the fee structure.","start":2137.085,"end":2140.465,"sentiment":"neutral","sentiment_score":0.07385754005776511}],"sentiment":"neutral","sentiment_score":0.16209265801968964,"num_words":86,"start":2106.375,"end":2140.465},{"sentences":[{"text":"It is all part of the ongoing advice fee.","start":2140.845,"end":2143.1,"sentiment":"neutral","sentiment_score":0.21646580927901798},{"text":"So, you know, if you are happy to go ahead with these change, I would just need you to sign sign the documents.","start":2143.1,"end":2150.0,"sentiment":"neutral","sentiment_score":0.24055371174345846},{"text":"It will then come through to me.","start":2150.3801,"end":2152.4001,"sentiment":"neutral","sentiment_score":0.20307643498693193},{"text":"I can get that sorted for you.","start":2152.54,"end":2154.48,"sentiment":"neutral","sentiment_score":0.3074487660612379},{"text":"And, yeah, it's just that standard 1.65 from super.","start":2154.78,"end":2158.4648,"sentiment":"neutral","sentiment_score":0.20876865088939667}],"sentiment":"neutral","sentiment_score":0.2351549439809539,"num_words":55,"start":2140.845,"end":2158.4648},{"sentences":[{"text":"No changes at all.","start":2159.005,"end":2160.2048,"sentiment":"neutral","sentiment_score":0.11318940110504627},{"text":"It's all part of that ongoing advice fee for you.","start":2160.2048,"end":2162.785,"sentiment":"neutral","sentiment_score":0.21863724589347838},{"text":"Yep.","start":2186.5552,"end":2187.0552,"sentiment":"neutral","sentiment_score":0.040516555309295654},{"text":"Yes, please.","start":2192.235,"end":2193.215,"sentiment":"neutral","sentiment_score":0.05385229177772999},{"text":"Yes.","start":2199.3298,"end":2199.73,"sentiment":"neutral","sentiment_score":0.020382126793265343}],"sentiment":"neutral","sentiment_score":0.1559851849451661,"num_words":18,"start":2159.005,"end":2199.73},{"sentences":[{"text":"I think it usually asks you to draw a signature even.","start":2199.73,"end":2202.79,"sentiment":"neutral","sentiment_score":0.012421488084576347},{"text":"Yep.","start":2205.3298,"end":2205.8298,"sentiment":"positive","sentiment_score":0.4119870662689209},{"text":"Makes it nice and easy.","start":2207.81,"end":2209.19,"sentiment":"positive","sentiment_score":0.4835805892944336},{"text":"Yep.","start":2209.81,"end":2210.085,"sentiment":"neutral","sentiment_score":0.09250305593013763},{"text":"Mine's the same.","start":2215.765,"end":2216.665,"sentiment":"neutral","sentiment_score":-0.0025053145363926888}],"sentiment":"neutral","sentiment_score":0.1453101663805899,"num_words":21,"start":2199.73,"end":2216.665},{"sentences":[{"text":"Yep.","start":2219.125,"end":2219.445,"sentiment":"neutral","sentiment_score":0.022684764117002487},{"text":"So once you've yes.","start":2219.445,"end":2221.045,"sentiment":"neutral","sentiment_score":0.02162835607305169},{"text":"Once you did and it should say finished or complete.","start":2221.045,"end":2225.78,"sentiment":"neutral","sentiment_score":0.023905557300895452},{"text":"Are you Yeah.","start":2231.8398,"end":2233.5999,"sentiment":"neutral","sentiment_score":-0.1631922945380211},{"text":"You can just do NA.","start":2233.5999,"end":2234.5598,"sentiment":"neutral","sentiment_score":-0.03239118568599224}],"sentiment":"neutral","sentiment_score":-0.013186045679385248,"num_words":23,"start":2219.125,"end":2234.5598},{"sentences":[{"text":"That's just if you wanted to make any variations to any of it, you could put it there.","start":2234.5598,"end":2238.775,"sentiment":"neutral","sentiment_score":0.08190765811337365},{"text":"But if you're happy and not wanting to make any changes, you can just do NA or just the full stop or anything.","start":2239.7148,"end":2245.6548,"sentiment":"neutral","sentiment_score":0.10377980930649716},{"text":"Yep.","start":2250.355,"end":2250.63,"sentiment":"neutral","sentiment_score":0.0604829341173172},{"text":"Yep.","start":2256.39,"end":2256.89,"sentiment":"neutral","sentiment_score":0.08416372537612915},{"text":"Oh, That's typical.","start":2263.75,"end":2269.135,"sentiment":"neutral","sentiment_score":-0.03932890792687734}],"sentiment":"neutral","sentiment_score":0.08452029121310814,"num_words":46,"start":2234.5598,"end":2269.135},{"sentences":[{"text":"Oh, really?","start":2269.135,"end":2269.715,"sentiment":"neutral","sentiment_score":0.002948356792330742},{"text":"Ah, yes.","start":2274.815,"end":2275.395,"sentiment":"neutral","sentiment_score":0.02253673877567053},{"text":"Ah, really?","start":2277.0552,"end":2278.21,"sentiment":"neutral","sentiment_score":0.02649056725203991},{"text":"Everywhere.","start":2278.2698,"end":2278.7698,"sentiment":"neutral","sentiment_score":0.03115442954003811},{"text":"You can do either you can you can close it.","start":2282.5898,"end":2284.67,"sentiment":"neutral","sentiment_score":0.06124149262905121}],"sentiment":"neutral","sentiment_score":0.04397180479239015,"num_words":17,"start":2269.135,"end":2284.67},{"sentences":[{"text":"You don't have to do anything else.","start":2284.67,"end":2286.5298,"sentiment":"neutral","sentiment_score":0.06025871528046472},{"text":"If you wanna download a copy of a and keep on on file for you, by all means, we always have a copy as well.","start":2286.5898,"end":2292.925,"sentiment":"neutral","sentiment_score":0.16961791455745698},{"text":"So if you if you disclose it and you want access to it later, just give me a call or send us an email, and I can always email it to you as well.","start":2292.925,"end":2300.065,"sentiment":"neutral","sentiment_score":0.12069972473032334},{"text":"Yep.","start":2308.7798,"end":2309.26,"sentiment":"neutral","sentiment_score":0.09023894369602203},{"text":"That's all.","start":2309.26,"end":2310.0798,"sentiment":"neutral","sentiment_score":0.10497367009520531}],"sentiment":"neutral","sentiment_score":0.1313947216756102,"num_words":69,"start":2284.67,"end":2310.0798},{"sentences":[{"text":"Let me see here.","start":2310.14,"end":2311.2798,"sentiment":"neutral","sentiment_score":0.06989108398556709},{"text":"Yep.","start":2311.5798,"end":2311.8198,"sentiment":"neutral","sentiment_score":0.07175995409488678},{"text":"I think that's all come through.","start":2311.8198,"end":2313.02,"sentiment":"neutral","sentiment_score":0.07199762264887492},{"text":"Sometimes it takes a little bit to come through, but if it's just done on your end, that should all be that'd be fine.","start":2313.02,"end":2317.3398,"sentiment":"neutral","sentiment_score":0.12051861252014835},{"text":"So as soon as that comes through, I'll get the team to process that change for you.","start":2317.3398,"end":2321.155,"sentiment":"neutral","sentiment_score":0.1981004643089631}],"sentiment":"neutral","sentiment_score":0.13545124268589112,"num_words":52,"start":2310.14,"end":2321.155},{"sentences":[{"text":"We'll go ahead and make the change, and get all of that sorted.","start":2321.155,"end":2325.075,"sentiment":"neutral","sentiment_score":0.25819300000484174},{"text":"But if there's anything else that you do need, you know, in the meantime there, Paul, always give us a call or or send me an email, and we can always book in another catch up.","start":2325.075,"end":2333.39,"sentiment":"neutral","sentiment_score":0.14692804403603077},{"text":"Yep.","start":2334.65,"end":2335.15,"sentiment":"positive","sentiment_score":0.3896190822124481},{"text":"Perfect.","start":2335.53,"end":2335.93,"sentiment":"positive","sentiment_score":0.7090531587600708},{"text":"Well, thank you so much for your time today.","start":2335.93,"end":2338.59,"sentiment":"positive","sentiment_score":0.6725629750225279}],"sentiment":"neutral","sentiment_score":0.263294293358922,"num_words":60,"start":2321.155,"end":2338.59},{"sentences":[{"text":"Like I said, anything else, just just give us a call.","start":2339.21,"end":2341.71,"sentiment":"neutral","sentiment_score":0.0792990889061581},{"text":"But, otherwise, if you don't have any other questions for me, I will let you go and enjoy your afternoon.","start":2342.01,"end":2346.335,"sentiment":"neutral","sentiment_score":0.3079080320894718},{"text":"Yeah.","start":2348.955,"end":2349.435,"sentiment":"positive","sentiment_score":0.44760507345199585},{"text":"Lovely.","start":2349.435,"end":2349.935,"sentiment":"positive","sentiment_score":0.7327483296394348},{"text":"Well, I'll I'll speak to you soon.","start":2350.955,"end":2352.815,"sentiment":"positive","sentiment_score":0.45673096605709623}],"sentiment":"neutral","sentiment_score":0.285198019631207,"num_words":40,"start":2339.21,"end":2352.815},{"sentences":[{"text":"No problem at all, Paul.","start":2353.115,"end":2354.475,"sentiment":"neutral","sentiment_score":0.29401475489139556},{"text":"Thank you.","start":2354.475,"end":2355.295,"sentiment":"positive","sentiment_score":0.6081844866275787},{"text":"You too.","start":2355.995,"end":2356.735,"sentiment":"neutral","sentiment_score":0.27113325893878937},{"text":"Bye.","start":2356.955,"end":2357.455,"sentiment":"neutral","sentiment_score":0.22781869769096377}],"sentiment":"positive","sentiment_score":0.3456527963280678,"num_words":10,"start":2353.115,"end":2357.455}]}}]},{"alternatives":[{"transcript":"Hello? It's Paul speaking. Yes. Not bad. Had a bit of a hassle with the Internet, but sorted out. Right now, it'd be a very good time. Yep. No. That's good. Yep. Full name, Paul Ronald Stanley Davies. Date of birth, fifteen zero six nineteen sixty nine, and address is 188 Cook Drive, Googong 2620, New South Wales. I'm finished for the day, and the week has only just started. I I am as we speak. Where you go? Veronica Global. Sign the document. Alrighty. I'll get it back to that one. Alright. Right down the bottom of these four attachments. Yep. Mhmm. Alright. So we'll run through this now. Yep. Yep. Yep. Nice on the cover page. Yep. Yes. Page three, table of contents. Yep. State of advice. Here we go. Yep. That'd be awesome. Yeah. I just I just looked at the number and since June, July, August, my trip has gone back at $13. Yep. Yep. I'll get it back one time. Yep. You're good. Yep. I'm old. Divorce. Dependence. We can change that one. I have one. Yep. My youngest boy is 14, lives with me. It's Nicholas Davies. He's got that one. Yep. He's 14. Full time. Well, I'm gonna stop paying child support very shortly so my savings will go right up. Yep. Value $50.52. Yep. Yep. Yep. And liability gets free. So far so good. Mhmm. Yep. Yep. I'm just looking at the map. Mhmm. Yep. Yeah. I think I missed the bus on the gold. Good. Page oh, yeah. I gotta get back up. It's better a recommendation. Is that the one? Yep. Yep. Yeah. And I will refuse to anything that'll put money in the government's hands. Yes. I just put you off loudspeaker, but I can't hear you about loudspeaker on this phone. It's just I bought a cheap phone and it's yeah. It's cheap. Yeah. I'll just put you back on loudspeaker. I'll go from I can hardly hear you to very loud. Yeah. No. That's alright. I just I was gonna work this fine out. Yep. Yep. Yeah. Well, the first is yeah. The first disadvantage that you accept in the market because you can't predict what it's gonna do. Yeah. That's what I'll get for. So in eight years, I've gotta try and get 600,000 more into my super somehow. Minimum. Yep. It pays 13 for me. Yep. Yep. Yes. Mhmm. Yep. Yep. Yeah. I'm just trying to make a detailed at the moment, and it's interesting how I might've been along So on equities, zero, then you have beta share, then you go down to the Global Healthcare. Surprising that one actually didn't work out. Yay. Mhmm. Yep. Crunch. Oh, it's interesting. Vanguard Australian fixed, then you got a third one down there, which actually paid. I'm assuming that'll be all the same division of the or a different division of the same company. Yeah. Yep. Rodeo. Yep. Yep. Mhmm. Yep. If The US has a bit of a hiccup, It takes everyone down if you're all in there. Yep. European and Japanese. Yep. Some of them have. Yep. Yep. I know it's on the the last three or whatever it is. The neck is popping up on me. Current weight, you got zero percentage on them ones. So that's that's yet to perform or yet to produce. Current weight percentage. It's yeah. Alrighty. Yep. Right. I thought it might be in the percentage of what it's earning. Yep. Yep. Yep. Alrighty. I get it. Mhmm. Oh, I think I think I'm starting to understand the system. Yep. Yep. These aren't actual physical physical things that have been bought. It's actually credits. Yep. Yep. They make a bit of money, you get a bit of money. If they don't make money, you don't make money. Yes. Yep. Yep. Yep. I've just pulled it up. Yep. Mhmm. Yep. K. Get rid of the duds. The fee comparisons starts with that. That's the 15. Yep. Yep. I'm just rolling down the right end column, the differences. Mhmm. Yep. A lot of it's out of my head, but I'm understanding bits and pieces of it. And I said one day, it'll it'll all it'll work out for me. Yep. Yep. Yeah. You wouldn't think it'd make a big difference, would you? Yep. Yep. Yep. Yep. Uh-uh. How do we do this so I don't have to buy a text? Yes. Yep. With the investments, if we go off one in the future, not now, that the fees are fairly high like Benelon's been doing, and they've been a mediocre return, are we able to to get rid of them fairly early in the piece, or is it just not worth the hackles? Yep. Yep. That's when you were born and Yep. Yep. Yeah. I think Japan is gonna be pretty safe for what I've been here and around. Yep. Yep. Yep. I think at the moment, everything's gonna swing on the American side of things. Yes. They're not all good. Yep. This is page 16. Yep. Right. Yeah. I was going to the current, which is $8.44, which is way short of what I'd I'd like. And the the 1.2 is that worth where I wanted to be plus. Mhmm. Yes. Yeah. Just out of curiosity, we've got retirement age of 65. If I keep on working, does this keep on going? Doesn't automatically yep. That's good. Yep. It's still loading. Yep. Yep. Yep. I've just called across to it. Mhmm. Yep. Yep. Tasted it topped up. Oh, that's the bottom one. Yes. Mhmm. Well, my plan at the moment is to start sinking more money into the into the super. So, hopefully, you know, another 4 to $600 a month going in on top of what work puts in. Hopefully, it'll it'll buff it right up. Yep. It'll be a seller's second policy. 20 30 green audio. I'm probably better off just putting the cash and locking it away. Yes, sir. Yep. Oh, I just can't presume that our government is totally useless. Oh, it can't seem on everyone, and they they still can't run a budget. Mhmm. You know what? I'm I would probably better off just taking that money out and putting it in the cash and putting it away somewhere. No. The government doesn't like that, do you? Oh, I won't. Tell me. Yep. I've been I've got an extra $40.40 dollars a a week down at the moment on top. Yep. Yep. Mhmm. Yep. Yep. Streamline and what's the other thing I was gonna say? Streamline anyway. Yep. Yep. Not why I'm just going what have I done? I've doubled up a page. So go down the bottom of this one. It's gotta be down here somewhere. Or is it no. Not there. That one. So signature request, sign document. I'll hit that. So I hit click to start. And there we go. And what's the in signature, what what sign. I love the one's date. Date is done '23. Yep. Yep. I can always turn it. Well, that's not my signature because you can read it. Is that all I need to do on that one? Oh, next. Next. Fill in. So what do I do here? That's fine. It's got text. Do I just have to put a screw with me? So how do I do that full stop? There we go. Validate and send complete document. The murder would do this because when I come home and turn the computer on, we had no Internet. Took me about twenty minutes of playing around with it. There we go. And because I'm on Starlink, and it's going down in New South Wales. Yep. So what do I do now? Download or close? Yep. Yep. Yep. And I'll just I'll just hit download, and I think it just sent me through. So it should be all put by now, I assume. Yep. Yep. Not a worry. Sounds good. We show. I guess I did it now. Yep. Thank you very much for that. Will do. Yep. Have a good day. Yep. Bye. 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It's Paul speaking. Yes. Not bad. Had a bit of a hassle with the Internet, but sorted out.\n\nRight now, it'd be a very good time. Yep. No. That's good. Yep.\n\nFull name, Paul Ronald Stanley Davies. Date of birth, fifteen zero six nineteen sixty nine, and address is 188 Cook Drive, Googong 2620, New South Wales. I'm finished for the day, and the week has only just started. I I am as we speak. Where you go?\n\nVeronica Global. Sign the document. Alrighty. I'll get it back to that one. Alright.\n\nRight down the bottom of these four attachments. Yep. Mhmm. Alright. So we'll run through this now.\n\nYep. Yep. Yep. Nice on the cover page. Yep.\n\nYes. Page three, table of contents. Yep. State of advice. Here we go.\n\nYep. That'd be awesome. Yeah. I just I just looked at the number and since June, July, August, my trip has gone back at $13. Yep.\n\nYep. I'll get it back one time. Yep. You're good. Yep.\n\nI'm old. Divorce. Dependence. We can change that one. I have one.\n\nYep. My youngest boy is 14, lives with me. It's Nicholas Davies. He's got that one. Yep.\n\nHe's 14. Full time. Well, I'm gonna stop paying child support very shortly so my savings will go right up. Yep. Value $50.52.\n\nYep. Yep. Yep. And liability gets free. So far so good.\n\nMhmm. Yep. Yep. I'm just looking at the map. Mhmm.\n\nYep. Yeah. I think I missed the bus on the gold. Good. Page oh, yeah.\n\nI gotta get back up. It's better a recommendation. Is that the one? Yep. Yep.\n\nYeah. And I will refuse to anything that'll put money in the government's hands. Yes. I just put you off loudspeaker, but I can't hear you about loudspeaker on this phone. It's just I bought a cheap phone and it's yeah.\n\nIt's cheap. Yeah. I'll just put you back on loudspeaker. I'll go from I can hardly hear you to very loud. Yeah.\n\nNo. That's alright. I just I was gonna work this fine out. Yep. Yep.\n\nYeah. Well, the first is yeah. The first disadvantage that you accept in the market because you can't predict what it's gonna do. Yeah. That's what I'll get for.\n\nSo in eight years, I've gotta try and get 600,000 more into my super somehow. Minimum. Yep. It pays 13 for me. Yep.\n\nYep. Yes. Mhmm. Yep. Yep.\n\nYeah. I'm just trying to make a detailed at the moment, and it's interesting how I might've been along So on equities, zero, then you have beta share, then you go down to the Global Healthcare. Surprising that one actually didn't work out. Yay. Mhmm.\n\nYep. Crunch. Oh, it's interesting. Vanguard Australian fixed, then you got a third one down there, which actually paid. I'm assuming that'll be all the same division of the or a different division of the same company.\n\nYeah. Yep. Rodeo. Yep. Yep.\n\nMhmm. Yep. If The US has a bit of a hiccup, It takes everyone down if you're all in there. Yep. European and Japanese.\n\nYep. Some of them have. Yep. Yep. I know it's on the the last three or whatever it is.\n\nThe neck is popping up on me. Current weight, you got zero percentage on them ones. So that's that's yet to perform or yet to produce. Current weight percentage. It's yeah.\n\nAlrighty. Yep. Right. I thought it might be in the percentage of what it's earning. Yep.\n\nYep. Yep. Alrighty. I get it. Mhmm.\n\nOh, I think I think I'm starting to understand the system. Yep. Yep. These aren't actual physical physical things that have been bought. It's actually credits.\n\nYep. Yep. They make a bit of money, you get a bit of money. If they don't make money, you don't make money. Yes.\n\nYep. Yep. Yep. I've just pulled it up. Yep.\n\nMhmm. Yep. K. Get rid of the duds. The fee comparisons starts with that.\n\nThat's the 15. Yep. Yep. I'm just rolling down the right end column, the differences. Mhmm.\n\nYep. A lot of it's out of my head, but I'm understanding bits and pieces of it. And I said one day, it'll it'll all it'll work out for me. Yep. Yep.\n\nYeah. You wouldn't think it'd make a big difference, would you? Yep. Yep. Yep.\n\nYep. Uh-uh. How do we do this so I don't have to buy a text? Yes. Yep.\n\nWith the investments, if we go off one in the future, not now, that the fees are fairly high like Benelon's been doing, and they've been a mediocre return, are we able to to get rid of them fairly early in the piece, or is it just not worth the hackles? Yep. Yep. That's when you were born and Yep. Yep.\n\nYeah. I think Japan is gonna be pretty safe for what I've been here and around. Yep. Yep. Yep.\n\nI think at the moment, everything's gonna swing on the American side of things. Yes. They're not all good. Yep. This is page 16.\n\nYep. Right. Yeah. I was going to the current, which is $8.44, which is way short of what I'd I'd like. And the the 1.2 is that worth where I wanted to be plus.\n\nMhmm. Yes. Yeah. Just out of curiosity, we've got retirement age of 65. If I keep on working, does this keep on going?\n\nDoesn't automatically yep. That's good. Yep. It's still loading. Yep.\n\nYep. Yep. I've just called across to it. Mhmm. Yep.\n\nYep. Tasted it topped up. Oh, that's the bottom one. Yes. Mhmm.\n\nWell, my plan at the moment is to start sinking more money into the into the super. So, hopefully, you know, another 4 to $600 a month going in on top of what work puts in. Hopefully, it'll it'll buff it right up. Yep. It'll be a seller's second policy.\n\n20 30 green audio. I'm probably better off just putting the cash and locking it away. Yes, sir. Yep. Oh, I just can't presume that our government is totally useless.\n\nOh, it can't seem on everyone, and they they still can't run a budget. Mhmm. You know what? I'm I would probably better off just taking that money out and putting it in the cash and putting it away somewhere. No.\n\nThe government doesn't like that, do you? Oh, I won't. Tell me. Yep. I've been I've got an extra $40.40 dollars a a week down at the moment on top.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nStreamline and what's the other thing I was gonna say? Streamline anyway. Yep. Yep. Not why I'm just going what have I done?\n\nI've doubled up a page. So go down the bottom of this one. It's gotta be down here somewhere. Or is it no. Not there.\n\nThat one. So signature request, sign document. I'll hit that. So I hit click to start. And there we go.\n\nAnd what's the in signature, what what sign. I love the one's date. Date is done '23. Yep. Yep.\n\nI can always turn it. Well, that's not my signature because you can read it. Is that all I need to do on that one? Oh, next. Next.\n\nFill in. So what do I do here? That's fine. It's got text. Do I just have to put a screw with me?\n\nSo how do I do that full stop? There we go. Validate and send complete document. The murder would do this because when I come home and turn the computer on, we had no Internet. Took me about twenty minutes of playing around with it.\n\nThere we go. And because I'm on Starlink, and it's going down in New South Wales. Yep. So what do I do now? Download or close?\n\nYep. Yep. Yep. And I'll just I'll just hit download, and I think it just sent me through. So it should be all put by now, I assume.\n\nYep. Yep. Not a worry. Sounds good. We show.\n\nI guess I did it now. Yep. Thank you very much for that. Will do. Yep.\n\nHave a good day. Yep. Bye. 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good.","start":1631.92,"end":1633.06,"sentiment":"negative","sentiment_score":-0.5941759645938873},{"text":"Yep.","start":1644.495,"end":1644.995,"sentiment":"neutral","sentiment_score":0.12563782930374146},{"text":"This is page 16.","start":1655.9501,"end":1657.7301,"sentiment":"neutral","sentiment_score":0.039139458909630775}],"sentiment":"neutral","sentiment_score":-0.04431895446032286,"num_words":24,"start":1621.375,"end":1657.7301},{"sentences":[{"text":"Yep.","start":1659.0701,"end":1659.5701,"sentiment":"neutral","sentiment_score":0.2529318630695343},{"text":"Right.","start":1687.76,"end":1688.145,"sentiment":"neutral","sentiment_score":-0.03336133435368538},{"text":"Yeah.","start":1688.305,"end":1688.385,"sentiment":"neutral","sentiment_score":-0.13787369430065155},{"text":"I was going to the current, which is $8.44, which is way short of what I'd I'd like.","start":1688.385,"end":1693.045,"sentiment":"negative","sentiment_score":-0.3496062118146155},{"text":"And the the 1.2 is that worth where I wanted to be plus.","start":1693.185,"end":1698.3251,"sentiment":"neutral","sentiment_score":-0.19120067816514236}],"sentiment":"neutral","sentiment_score":-0.2557889351292568,"num_words":34,"start":1659.0701,"end":1698.3251},{"sentences":[{"text":"Mhmm.","start":1711.2001,"end":1711.7001,"sentiment":"neutral","sentiment_score":0.02424958348274231},{"text":"Yes.","start":1722.415,"end":1722.915,"sentiment":"neutral","sentiment_score":-0.2596033811569214},{"text":"Yeah.","start":1724.5751,"end":1725.0751,"sentiment":"neutral","sentiment_score":-0.0738966315984726},{"text":"Just out of curiosity, we've got retirement age of 65.","start":1725.33,"end":1729.99,"sentiment":"neutral","sentiment_score":0.00775318113155663},{"text":"If I keep on working, does this keep on going?","start":1730.85,"end":1733.35,"sentiment":"neutral","sentiment_score":0.02935674674808979}],"sentiment":"neutral","sentiment_score":0.002689080414078806,"num_words":23,"start":1711.2001,"end":1733.35},{"sentences":[{"text":"Doesn't automatically yep.","start":1735.25,"end":1737.59,"sentiment":"neutral","sentiment_score":-0.01501009271790584},{"text":"That's good.","start":1738.0499,"end":1749.495,"sentiment":"neutral","sentiment_score":0.14956768602132797},{"text":"Yep.","start":1757.38,"end":1757.78,"sentiment":"neutral","sentiment_score":0.13919585943222046},{"text":"It's still loading.","start":1757.78,"end":1758.76,"sentiment":"neutral","sentiment_score":0.1263259549935659},{"text":"Yep.","start":1762.5,"end":1763.0,"sentiment":"neutral","sentiment_score":0.062483396381139755}],"sentiment":"neutral","sentiment_score":0.08347622146829962,"num_words":10,"start":1735.25,"end":1763.0},{"sentences":[{"text":"Yep.","start":1765.86,"end":1766.36,"sentiment":"neutral","sentiment_score":0.07435761392116547},{"text":"Yep.","start":1768.635,"end":1768.875,"sentiment":"neutral","sentiment_score":0.08357323706150055},{"text":"I've just called across to it.","start":1768.875,"end":1770.495,"sentiment":"neutral","sentiment_score":0.08588090166449547},{"text":"Mhmm.","start":1784.81,"end":1785.31,"sentiment":"neutral","sentiment_score":0.060679711401462555},{"text":"Yep.","start":1787.93,"end":1788.43,"sentiment":"neutral","sentiment_score":0.07502447813749313}],"sentiment":"neutral","sentiment_score":0.08089204505085945,"num_words":10,"start":1765.86,"end":1788.43},{"sentences":[{"text":"Yep.","start":1793.61,"end":1793.93,"sentiment":"neutral","sentiment_score":0.11142808198928832},{"text":"Tasted it topped up.","start":1793.93,"end":1795.065,"sentiment":"neutral","sentiment_score":0.22211863845586777},{"text":"Oh, that's the bottom one.","start":1797.1449,"end":1798.365,"sentiment":"neutral","sentiment_score":-0.0017619065009057521},{"text":"Yes.","start":1817.88,"end":1818.38,"sentiment":"neutral","sentiment_score":0.02263506129384041},{"text":"Mhmm.","start":1840.39,"end":1840.87,"sentiment":"neutral","sentiment_score":-0.1149086058139801}],"sentiment":"neutral","sentiment_score":0.07490162989900757,"num_words":12,"start":1793.61,"end":1840.87},{"sentences":[{"text":"Well, my plan at the moment is to start sinking more money into the into the super.","start":1840.87,"end":1845.13,"sentiment":"negative","sentiment_score":-0.42069801775848165},{"text":"So, hopefully, you know, another 4 to $600 a month going in on top of what work puts in.","start":1845.335,"end":1852.615,"sentiment":"neutral","sentiment_score":0.3185436756987321},{"text":"Hopefully, it'll it'll buff it right up.","start":1852.615,"end":1854.795,"sentiment":"positive","sentiment_score":0.5058377342564719},{"text":"Yep.","start":1864.15,"end":1864.65,"sentiment":"neutral","sentiment_score":0.11482735723257063},{"text":"It'll be a seller's second policy.","start":1873.2051,"end":1874.905,"sentiment":"neutral","sentiment_score":0.06879373826086521}],"sentiment":"neutral","sentiment_score":0.059378349259495734,"num_words":50,"start":1840.87,"end":1874.905},{"sentences":[{"text":"20 30 green audio.","start":1883.2051,"end":1885.0651,"sentiment":"neutral","sentiment_score":0.03494107071310282},{"text":"I'm probably better off just putting the cash and locking it away.","start":1891.42,"end":1895.4401,"sentiment":"neutral","sentiment_score":-0.14514508781333765},{"text":"Yes, sir.","start":1914.135,"end":1914.75,"sentiment":"neutral","sentiment_score":0.05427461303770542},{"text":"Yep.","start":1933.245,"end":1933.745,"sentiment":"neutral","sentiment_score":0.05622908100485802},{"text":"Oh, I just can't presume that our government is totally useless.","start":1959.085,"end":1961.905,"sentiment":"negative","sentiment_score":-0.43588191948153754}],"sentiment":"neutral","sentiment_score":-0.20772998593747616,"num_words":30,"start":1883.2051,"end":1961.905},{"sentences":[{"text":"Oh, it can't seem on everyone, and they they still can't run a budget.","start":1965.485,"end":1972.72,"sentiment":"neutral","sentiment_score":-0.17426717733698233},{"text":"Mhmm.","start":1988.995,"end":1989.495,"sentiment":"neutral","sentiment_score":-0.10011143237352373},{"text":"You know what?","start":1990.035,"end":1990.775,"sentiment":"neutral","sentiment_score":-0.22038198014100394},{"text":"I'm I would probably better off just taking that money out and putting it in the cash and putting it away somewhere.","start":1990.915,"end":1995.3351,"sentiment":"negative","sentiment_score":-0.45124935561960394},{"text":"No.","start":1996.54,"end":1996.7,"sentiment":"neutral","sentiment_score":-0.14771997928619385}],"sentiment":"neutral","sentiment_score":-0.3238098453276041,"num_words":41,"start":1965.485,"end":1996.7},{"sentences":[{"text":"The government doesn't like that, do you?","start":1996.7,"end":1998.48,"sentiment":"neutral","sentiment_score":-0.2671599579708917},{"text":"Oh, I won't.","start":2001.98,"end":2002.38,"sentiment":"neutral","sentiment_score":-0.14698361605405807},{"text":"Tell me.","start":2002.38,"end":2003.12,"sentiment":"neutral","sentiment_score":-0.04901864379644394},{"text":"Yep.","start":2019.115,"end":2019.595,"sentiment":"neutral","sentiment_score":0.09909294545650482},{"text":"I've been I've got an extra $40.40 dollars a a week down at the moment on top.","start":2019.595,"end":2026.58,"sentiment":"neutral","sentiment_score":0.18280625430976644}],"sentiment":"neutral","sentiment_score":0.02658971423904101,"num_words":30,"start":1996.7,"end":2026.58},{"sentences":[{"text":"Yep.","start":2048.175,"end":2048.675,"sentiment":"neutral","sentiment_score":0.19964317977428436},{"text":"Yep.","start":2063.75,"end":2064.195,"sentiment":"neutral","sentiment_score":0.22207948565483093},{"text":"Mhmm.","start":2086.29,"end":2086.79,"sentiment":"neutral","sentiment_score":0.212227001786232},{"text":"Yep.","start":2111.68,"end":2112.18,"sentiment":"neutral","sentiment_score":0.1704980432987213},{"text":"Yep.","start":2128.29,"end":2128.77,"sentiment":"neutral","sentiment_score":0.1156025528907776}],"sentiment":"neutral","sentiment_score":0.18401005268096923,"num_words":5,"start":2048.175,"end":2128.77},{"sentences":[{"text":"Streamline and what's the other thing I was gonna say?","start":2128.77,"end":2132.1501,"sentiment":"neutral","sentiment_score":0.06320015788078308},{"text":"Streamline anyway.","start":2134.29,"end":2135.01,"sentiment":"neutral","sentiment_score":0.09223876520991325},{"text":"Yep.","start":2135.01,"end":2135.51,"sentiment":"neutral","sentiment_score":0.08862361311912537},{"text":"Yep.","start":2151.0352,"end":2151.5352,"sentiment":"neutral","sentiment_score":0.2075403332710266},{"text":"Not why I'm just going what have I done?","start":2163.45,"end":2167.61,"sentiment":"neutral","sentiment_score":-0.0809782627556059}],"sentiment":"neutral","sentiment_score":0.016688638731189396,"num_words":23,"start":2128.77,"end":2167.61},{"sentences":[{"text":"I've doubled up a page.","start":2167.61,"end":2168.99,"sentiment":"neutral","sentiment_score":-0.026033668592572213},{"text":"So go down the bottom of this one.","start":2169.605,"end":2170.885,"sentiment":"neutral","sentiment_score":-0.003586782608181238},{"text":"It's gotta be down here somewhere.","start":2170.885,"end":2172.265,"sentiment":"neutral","sentiment_score":-0.025986691936850548},{"text":"Or is it no.","start":2176.405,"end":2177.865,"sentiment":"neutral","sentiment_score":-0.056500861421227455},{"text":"Not there.","start":2178.325,"end":2179.145,"sentiment":"neutral","sentiment_score":-0.06897123903036118}],"sentiment":"neutral","sentiment_score":-0.027149147167801858,"num_words":25,"start":2167.61,"end":2179.145},{"sentences":[{"text":"That one.","start":2182.6602,"end":2183.3801,"sentiment":"neutral","sentiment_score":-0.027371549978852272},{"text":"So signature request, sign document.","start":2183.3801,"end":2185.6401,"sentiment":"neutral","sentiment_score":0.002537694200873375},{"text":"I'll hit that.","start":2187.78,"end":2189.32,"sentiment":"neutral","sentiment_score":0.039934237798055015},{"text":"So I hit click to start.","start":2190.34,"end":2191.72,"sentiment":"neutral","sentiment_score":0.033666287238399185},{"text":"And there we go.","start":2194.5,"end":2195.8,"sentiment":"neutral","sentiment_score":0.031799571588635445}],"sentiment":"neutral","sentiment_score":0.020347204711288213,"num_words":20,"start":2182.6602,"end":2195.8},{"sentences":[{"text":"And what's the in signature, what what sign.","start":2195.94,"end":2204.305,"sentiment":"neutral","sentiment_score":0.018053429666906595},{"text":"I love the one's date.","start":2204.9248,"end":2206.865,"sentiment":"positive","sentiment_score":0.4185720205307007},{"text":"Date is done '23.","start":2207.2449,"end":2208.765,"sentiment":"neutral","sentiment_score":0.2589499056339264},{"text":"Yep.","start":2208.765,"end":2209.14,"sentiment":"neutral","sentiment_score":0.12335684895515442},{"text":"Yep.","start":2210.0198,"end":2210.42,"sentiment":"neutral","sentiment_score":0.09396992623806}],"sentiment":"neutral","sentiment_score":0.18370599672198296,"num_words":19,"start":2195.94,"end":2210.42},{"sentences":[{"text":"I can always turn it.","start":2210.42,"end":2211.2998,"sentiment":"neutral","sentiment_score":0.09903978258371353},{"text":"Well, that's not my signature because you can read it.","start":2211.2998,"end":2213.64,"sentiment":"neutral","sentiment_score":-0.02551990132778883},{"text":"Is that all I need to do on that one?","start":2216.8198,"end":2218.8398,"sentiment":"neutral","sentiment_score":0.005362657643854618},{"text":"Oh, next.","start":2219.5398,"end":2220.2798,"sentiment":"neutral","sentiment_score":0.02085248939692974},{"text":"Next.","start":2221.94,"end":2222.44,"sentiment":"neutral","sentiment_score":0.014511147513985634}],"sentiment":"neutral","sentiment_score":0.012494378656681095,"num_words":28,"start":2210.42,"end":2222.44},{"sentences":[{"text":"Fill in.","start":2224.575,"end":2225.135,"sentiment":"neutral","sentiment_score":0.007797144819051027},{"text":"So what do I do here?","start":2225.135,"end":2228.035,"sentiment":"neutral","sentiment_score":-0.017991413672765095},{"text":"That's fine.","start":2229.455,"end":2229.935,"sentiment":"neutral","sentiment_score":0.09714321047067642},{"text":"It's got text.","start":2229.935,"end":2230.835,"sentiment":"neutral","sentiment_score":0.03244296150902907},{"text":"Do I just have to put a screw with me?","start":2231.295,"end":2233.315,"sentiment":"neutral","sentiment_score":-0.19563490115106105}],"sentiment":"neutral","sentiment_score":-0.07639512601915908,"num_words":23,"start":2224.575,"end":2233.315},{"sentences":[{"text":"So how do I do that full stop?","start":2247.95,"end":2249.8098,"sentiment":"neutral","sentiment_score":0.04143736371770501},{"text":"There we go.","start":2250.335,"end":2251.1548,"sentiment":"neutral","sentiment_score":0.06673907364408176},{"text":"Validate and send complete document.","start":2253.375,"end":2258.755,"sentiment":"neutral","sentiment_score":0.09262644499540329},{"text":"The murder would do this because when I come home and turn the computer on, we had no Internet.","start":2258.8948,"end":2263.29,"sentiment":"neutral","sentiment_score":-0.1518401252596002},{"text":"Took me about twenty minutes of playing around with it.","start":2265.69,"end":2268.59,"sentiment":"neutral","sentiment_score":-0.09055988006293773}],"sentiment":"neutral","sentiment_score":-0.0621269516646862,"num_words":45,"start":2247.95,"end":2268.59},{"sentences":[{"text":"There we go.","start":2268.6501,"end":2269.55,"sentiment":"neutral","sentiment_score":-0.018191674103339512},{"text":"And because I'm on Starlink, and it's going down in New South Wales.","start":2270.4102,"end":2276.19,"sentiment":"neutral","sentiment_score":0.004762431188002945},{"text":"Yep.","start":2278.465,"end":2278.965,"sentiment":"neutral","sentiment_score":0.0429244264960289},{"text":"So what do I do now?","start":2279.345,"end":2280.705,"sentiment":"neutral","sentiment_score":0.012917174957692623},{"text":"Download or close?","start":2280.705,"end":2281.845,"sentiment":"neutral","sentiment_score":0.007798035629093647}],"sentiment":"neutral","sentiment_score":0.005813775625518667,"num_words":26,"start":2268.6501,"end":2281.845},{"sentences":[{"text":"Yep.","start":2286.785,"end":2287.285,"sentiment":"neutral","sentiment_score":0.13180243968963623},{"text":"Yep.","start":2293.28,"end":2293.78,"sentiment":"neutral","sentiment_score":0.11779263615608215},{"text":"Yep.","start":2299.76,"end":2300.26,"sentiment":"neutral","sentiment_score":0.09991089999675752},{"text":"And I'll just I'll just hit download, and I think it just sent me through.","start":2300.32,"end":2304.745,"sentiment":"neutral","sentiment_score":0.11683821578820547},{"text":"So it should be all put by now, I assume.","start":2304.745,"end":2308.205,"sentiment":"neutral","sentiment_score":0.1470034696161747}],"sentiment":"neutral","sentiment_score":0.1275754967438323,"num_words":28,"start":2286.785,"end":2308.205},{"sentences":[{"text":"Yep.","start":2311.865,"end":2312.365,"sentiment":"neutral","sentiment_score":0.06802813708782196},{"text":"Yep.","start":2315.0652,"end":2315.46,"sentiment":"neutral","sentiment_score":0.09759306162595748},{"text":"Not a worry.","start":2333.715,"end":2334.355,"sentiment":"neutral","sentiment_score":0.2558290163675944},{"text":"Sounds good.","start":2334.355,"end":2335.175,"sentiment":"positive","sentiment_score":0.43068505823612213},{"text":"We show.","start":2346.61,"end":2347.43,"sentiment":"neutral","sentiment_score":0.29688116163015366}],"sentiment":"neutral","sentiment_score":0.265360076394346,"num_words":9,"start":2311.865,"end":2347.43},{"sentences":[{"text":"I guess I did it now.","start":2347.49,"end":2348.79,"sentiment":"neutral","sentiment_score":0.31907499333222705},{"text":"Yep.","start":2350.69,"end":2351.09,"sentiment":"positive","sentiment_score":0.40177983045578},{"text":"Thank you very much for that.","start":2351.09,"end":2352.4648,"sentiment":"positive","sentiment_score":0.5717386404673258},{"text":"Will do.","start":2353.265,"end":2354.3848,"sentiment":"neutral","sentiment_score":0.2276192456483841},{"text":"Yep.","start":2354.3848,"end":2354.785,"sentiment":"neutral","sentiment_score":0.2625665068626404}],"sentiment":"positive","sentiment_score":0.40402916446328163,"num_words":16,"start":2347.49,"end":2354.785},{"sentences":[{"text":"Have a good day.","start":2354.785,"end":2355.6648,"sentiment":"positive","sentiment_score":0.6040645241737366},{"text":"Yep.","start":2355.6648,"end":2356.065,"sentiment":"neutral","sentiment_score":0.26289620995521545},{"text":"Bye.","start":2356.065,"end":2356.565,"sentiment":"neutral","sentiment_score":0.27179643511772156},{"text":"Thank you.","start":2357.585,"end":2358.325,"sentiment":"neutral","sentiment_score":0.2541011571884155}],"sentiment":"positive","sentiment_score":0.4323941320180893,"num_words":8,"start":2354.785,"end":2358.325}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Paul?\n\nChannel 1: It's Paul speaking. Yes.\n\nChannel 0: This is Veronica from Oakview Financial. How are you this afternoon?\n\nChannel 1: Not bad. Had a bit of a hassle with the Internet, but sorted\n\nChannel 0: Oh, well, that's that's good. I had you booked\n\nChannel 1: out.\n\nChannel 0: in just for a quick catch up really to go through the research on your investment in your super. Is now still a good time for you?\n\nChannel 1: Right now, it'd be a very good time.\n\nChannel 0: Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for\n\nChannel 1: Yep.\n\nChannel 0: quality and coaching purposes, if that's okay.\n\nChannel 1: No. That's good.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please?\n\nChannel 1: Yep. Full name, Paul Ronald Stanley Davies. Date of birth, fifteen zero six nineteen sixty nine, and address is 188 Cook Drive, Googong 2620, New South Wales.\n\nChannel 0: Yep. Perfect. That's exactly what I have here.\n\nChannel 1: I'm\n\nChannel 0: Have you had a busy day so far? Finished for the day or much more to\n\nChannel 1: finished\n\nChannel 0: go?\n\nChannel 1: for the day, and\n\nChannel 0: Oh.\n\nChannel 1: the week has only just started.\n\nChannel 0: Yep. Now, Paul, I just sent you an email with the statement of advice. Are you able to access your emails at the moment or not really if Internet's a bit tricky?\n\nChannel 1: I I am as we speak.\n\nChannel 0: Okay.\n\nChannel 1: Where you go? Veronica Global. Sign the document.\n\nChannel 0: Yep. Yep. Now you can either click sign, and it will open up the documents to run through. Or before you click sign, you'll also see a couple of attachments.\n\nChannel 1: Alrighty. I'll get it back to that one. Alright. Right down the bottom of these four attachments.\n\nChannel 0: Yes. Now if you can click on that one where it says statement of advice.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So this is the same that is with the signature, but sometimes it's just a bit easier to view it this way first.\n\nChannel 1: Mhmm. Alright. So we'll run through this now.\n\nChannel 0: Yes, please. Please.\n\nChannel 1: Yep.\n\nChannel 0: Yep. It won't it won't be, you know, too long, not too many changes. Just going through, obviously, a couple of changes I have recommended, but, you know, it's completely up to you if you do wanna go ahead with the changes or not, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Now on the cover page here, you will see that this has been prepared just for yourself. You will see my details listed at the bottom there. You will see my authorized representative obviously licensed under OT Financial, and you have all our details under there as well.\n\nChannel 1: Yep. Nice on the cover page.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Exactly. Now on this second page, you would have seen this before, but it just outlines that best interest duty for you again. Just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. As you scroll through on page three for me, you will see scope of advice. Can you see that\n\nChannel 1: Page three, table of contents.\n\nChannel 0: okay? Might be the the following page. Sometimes it factors in the cover page\n\nChannel 1: Yep.\n\nChannel 0: as page one. Yeah.\n\nChannel 1: State of advice. Here we go.\n\nChannel 0: Yep. Perfect. So it is pretty straightforward today. The only thing we are looking at is your superannuation, mostly your\n\nChannel 1: Yep.\n\nChannel 0: investments in your superannuation to see if we could make a couple of changes to improve the returns, reduce the fees a little bit for you, to try to improve everything for you so you can hopefully retire at 65 with that $1,500 per week.\n\nChannel 1: That'd be awesome. Yeah. I just I just looked at the number and since June, July, August, my trip has gone back at $13.\n\nChannel 0: Yeah. It has been, obviously, a lot of fluctuations in the market with, obviously, a lot lot going on in the world. And the biggest thing was that Benelon, which did have that restriction on one of their investments. So we do wanna obviously make sure we get rid of that one and\n\nChannel 1: Yep.\n\nChannel 0: swap it out for something that's doing better for you, a little bit reducing that risk, a little bit of fluctuations, and taking away that active management approach that Benelon had in the portfolio.\n\nChannel 1: Yep. I'll get it back\n\nChannel 0: And now\n\nChannel 1: one time.\n\nChannel 0: yeah. Now as you kind of scroll through, I'll I won't spend too much time on it. You will see kind of in the next couple of pages a little bit of information about you, also your assets and liabilities listed. If you can just have a have a quick read\n\nChannel 1: Yep.\n\nChannel 0: over that\n\nChannel 1: You're\n\nChannel 0: for\n\nChannel 1: good.\n\nChannel 0: me. Just let me know if there's anything that needs changing in the back end.\n\nChannel 1: Yep. I'm old. Divorce. Dependence. We can change that one.\n\nI have one.\n\nChannel 0: Yep. One dependent.\n\nChannel 1: Yep. My youngest\n\nChannel 0: Yep.\n\nChannel 1: boy is 14, lives with me.\n\nChannel 0: Yep. Perfect. I will update that in the back end for you. And what's what are their names?\n\nChannel 1: It's Nicholas Davies. He's\n\nChannel 0: Nick\n\nChannel 1: got that\n\nChannel 0: Nicholas.\n\nChannel 1: one.\n\nChannel 0: Yep. Perfect. And you said he was 14?\n\nChannel 1: Yep. He's 14.\n\nChannel 0: Yep. Perfect. I will update that for you. Anything else that needs updating?\n\nChannel 1: Full time. Well, I'm gonna stop paying child support very shortly so my savings will go right up.\n\nChannel 0: Well, that's good.\n\nChannel 1: Yep. Value $50.52. Yep. Yep. Yep.\n\nAnd liability gets free. So far so good.\n\nChannel 0: Yep. Perfect. Now that then takes us to your risk profile. So that is page\n\nChannel 1: Mhmm.\n\nChannel 0: seven or eight. Can\n\nChannel 1: Yep.\n\nChannel 0: you see that heading? Yep.\n\nChannel 1: Yep. I'm just looking\n\nChannel 0: So\n\nChannel 1: at the map.\n\nChannel 0: yeah. Perfect. So we're not making any changes to your risk profile. We are still keeping you within the balanced growth, trying\n\nChannel 1: Mhmm.\n\nChannel 0: to grow your super, you know, while you're asking working and contributing to super. But we also want, you know, a bit of that conservative element through the portfolio as well to limit fluctuations. Exactly. So with that asset allocation, you which you will kind of see outlined in the pie chart on the next page, it is that about seventy thirty split. So about 70% in your growth investment, which is your Australian equities, the international equity, and the\n\nChannel 1: Yep.\n\nChannel 0: property as well, and then about 30% in defensive investments, like your your cash, your fixed interest, and then gold can factor into kind of both factors to make sure we limit fluctuations a little bit there\n\nChannel 1: Yeah.\n\nChannel 0: for you, Paul.\n\nChannel 1: I think\n\nChannel 0: Yep.\n\nChannel 1: I missed the bus on the gold.\n\nChannel 0: We do let me have a look here for you. We do have gold in your portfolio, and it was already in the portfolio for you as well.\n\nChannel 1: Good.\n\nChannel 0: So that that's in there. Now if you can see can you see a heading now where it says retain your hub twenty four superannuation and change your investments? Can you see that blue heading? It'll\n\nChannel 1: Page\n\nChannel 0: be So it will be nine or 10.\n\nChannel 1: oh, yeah.\n\nChannel 0: It\n\nChannel 1: I gotta\n\nChannel 0: would\n\nChannel 1: get\n\nChannel 0: say\n\nChannel 1: back up. It's better a recommendation.\n\nChannel 0: yep.\n\nChannel 1: Is that the one?\n\nChannel 0: Yes. Exactly. So\n\nChannel 1: Yep.\n\nChannel 0: I did have a look at your hub twenty four as well just to make sure it was still going to be the best option for you. So I did some research on other options as well, some kind of similar competitive ones that does allow us to do a lot with your investment. But Hub twenty four still came out as the most competitive when it comes to the fees and flexibility.\n\nChannel 1: Yep.\n\nChannel 0: And then also, if we wanted to swap you through something else, it would result in a pretty good a pretty big capital gains tax because your investments since you obviously came on board have gone up quite a lot, and there was just no point in in doing that when twenty four is still doing really well.\n\nChannel 1: Yeah. And I\n\nChannel 0: Yeah.\n\nChannel 1: will refuse to anything that'll put money in the government's hands.\n\nChannel 0: Yeah. And we do wanna minimize that as much as possible, especially that that tax. And I do use hub twenty four myself for my superannuation, and it is very, you know, competitive out there in the market what it allows us to do. So not making\n\nChannel 1: Yes.\n\nChannel 0: any changes. What's that what's that? Sorry, Paul.\n\nChannel 1: I just put you off loudspeaker, but I can't hear you about loudspeaker on this phone. It's just I bought a cheap phone and it's yeah. It's cheap.\n\nChannel 0: Okay. Can you still hear me now, though?\n\nChannel 1: Yeah. I'll just put you back on loudspeaker.\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: Yeah.\n\nChannel 1: go from I can hardly hear you to very loud.\n\nChannel 0: I I think I keep my volume the same. Sorry. Please, not\n\nChannel 1: Yeah.\n\nChannel 0: me.\n\nChannel 1: No. That's alright.\n\nChannel 0: Oh,\n\nChannel 1: I just\n\nChannel 0: yeah.\n\nChannel 1: I was gonna work this fine out.\n\nChannel 0: Yeah. No. That's if you can't hear me at any point, though, just let me know.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this basically here, just on the next couple of pages, just just puts everything in black and white for you. So it just breaks down why I have recommended, basically, why you keep Hub twenty four as your super fund. And then on the next couple of pages, I will run through the changes in the investments that I have\n\nChannel 1: Yep.\n\nChannel 0: recommended for you. So you will see a couple of advantages with the recommendation, a couple of disadvantages as well to be mindful of, some risks as well. So there's always a level of risk associated with any investment option.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously,\n\nChannel 1: Well, the\n\nChannel 0: to\n\nChannel 1: first\n\nChannel 0: be mindful\n\nChannel 1: is\n\nChannel 0: of\n\nChannel 1: yeah. The first disadvantage that you accept in the market because you can't\n\nChannel 0: exactly.\n\nChannel 1: predict what it's gonna do.\n\nChannel 0: Exactly. We we always try crystal ball, but that is also how we then, you know, use more of the diversification in your portfolio. So if there is a specific investment that do fluctuate more, that's not doing well. We obviously don't wanna have everything in one option or one\n\nChannel 1: Yeah.\n\nChannel 0: market alone. We do wanna diversify to take advantage of the growth opportunities, but then also, you know, because you're obviously getting closer to retirement, we don't wanna put too much in, you know, those speculative investments\n\nChannel 1: That's what I'll get for. So in eight years, I've gotta try and get 600,000 more into my super somehow.\n\nChannel 0: either.\n\nChannel 1: Minimum.\n\nChannel 0: Well, I have I have actually done a bit of a calculation for you. I'm also factoring in what things would look like. But if you can go to page 12 for me or 13, this basically shows your investment switch. Can you see that okay? Investment switch.\n\nCan you see that okay?\n\nChannel 1: Yep. It pays\n\nChannel 0: Yep.\n\nChannel 1: 13 for me. Yep.\n\nChannel 0: Yes. Exactly. Now the the the things in red is just what we are selling.\n\nChannel 1: Yep.\n\nChannel 0: And then red is sorry. Black is then what we are buying or keeping. So we will see that Benelon Australian Equities. That was that one I was talking about that's kind of underperformed, which has caused, you know, the biggest fluctuation. So we do wanna sell\n\nChannel 1: Yes.\n\nChannel 0: completely out of that one. We're also swapping out of the bank hybrid that is actually being phased out at the moment, and we've swapped it with a different that's for your defensive investment. Just swapping that one out. You can see here gold. We still have that in your portfolio.\n\nJust rebalancing a little bit, so still keeping 10% of gold in your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: You will see cybersecurity you already had in the portfolio. So, obviously, AI technology is not going anywhere anytime soon. So, not going anywhere anytime soon. So it has done pretty well. So we are keeping that one in your portfolio, just reducing the exposure a little bit because that one can be a little bit more fluctuating.\n\nSo we wanna make sure it only represents a smaller portion of your portfolio, only about four\n\nChannel 1: Yep.\n\nChannel 0: percent. Yep. Now you will have your your biggest shareholding, which is the next one, which is the iShares SMP 500 at 25%. You already have that one in your portfolio, and that one has done really well. And just with that one single investment, it does invest in the 500 largest listed companies in The US.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: just that one single investment is obviously very diversified, and it just kind of tracks the biggest companies in The US. So if there's one that kind of falls out and another one that comes in, you don't have to change the investment. It just kind of tracks the biggest ones to give you that exposure, if that makes\n\nChannel 1: Yeah. I'm just trying to make a detailed at the moment, and\n\nChannel 0: sense.\n\nChannel 1: it's interesting how I might've been along So on equities, zero, then you have beta share, then you go down to the Global Healthcare. Surprising that one actually didn't work out.\n\nChannel 0: Yep. Yeah. Yeah. Health care has seen a bit of yeah. They haven't done so well.\n\nSo the the the the red is just what we are selling. That's not that it's\n\nChannel 1: Yay.\n\nChannel 0: down. Yeah. That's just what we're selling out of. But it was one through that the health care, obviously, even in, you know, a fluctuating market and in a downturn, they tend to do pretty well because, obviously, the demand for health care is always going to be there.\n\nChannel 1: Mhmm.\n\nChannel 0: But I have done, you know, not as kind of as expected. So we're swapping that one out as well, which you can see here, the health care,\n\nChannel 1: Yep.\n\nChannel 0: which we are swapping out. And then we're also changing again two of those defensive investment, which is the Vanguard fixed interest and the diversified in index there for you. You will\n\nChannel 1: Crunch.\n\nChannel 0: see I'm so sorry.\n\nChannel 1: Oh, it's interesting. Vanguard Australian fixed, then you got a third one down there, which actually paid. I'm assuming that'll be all the same division of the or a different division of the same company.\n\nChannel 0: So Vanguard, the the the two top ones are your defensive. So those are, like,\n\nChannel 1: Yeah.\n\nChannel 0: your fixed interest components.\n\nChannel 1: Yep.\n\nChannel 0: The Vanguard or All World that is investing in equity. So that one invests in companies.\n\nChannel 1: Rodeo. Yep.\n\nChannel 0: So it's the it's it's the same company, though, so Vanguard,\n\nChannel 1: Yep.\n\nChannel 0: but it's different style of investment. So that one forms more part of those growth investments and more your company.\n\nChannel 1: Mhmm.\n\nChannel 0: So still keeping that Vanguard all world, and that one is good because it excludes The US. Because, again, we don't want you to be too targeted in one market. And because you have 25% in the ISHIS S and P five\n\nChannel 1: Yep.\n\nChannel 0: 100,\n\nChannel 1: If\n\nChannel 0: which is The US, we then wanna, again, diversify things for you. So that includes investments kind of around the world, but excludes The US because, again, you do have that exposure\n\nChannel 1: The US has a bit of a hiccup, It takes everyone down if you're\n\nChannel 0: elsewhere.\n\nChannel 1: all in there.\n\nChannel 0: Exactly. So that's also where you can see kind of underneath it, the next through that we've then kind of swapped out some of the other investments\n\nChannel 1: Yep.\n\nChannel 0: that we've\n\nChannel 1: European and Japanese.\n\nChannel 0: added. Yeah. Exactly. Again, these are ETFs. So kind of those lower cost ones just kind of following different indexes.\n\nAnd, again, it's investing in the kind of midsize to large companies, so not the the really small ones, like the big ones that you would know of. Like, some of the biggest one in the IHS Europe that you may have heard of is, like, Nestle or NovoNordic or AstraZeneca, Shell, you may have heard\n\nChannel 1: Yep. Some of them\n\nChannel 0: of. But\n\nChannel 1: have.\n\nChannel 0: yeah. And then in Japan, you obviously have Toyota and Sony. Like, the car companies and stuff, they're\n\nChannel 1: Yep.\n\nChannel 0: the big ones as part of that. So, again, just to diversify things for you, we wanna make we grow it and take advantage of the different markets, but not having too much exposure in one specific area.\n\nChannel 1: Yep. I know\n\nChannel 0: Yep.\n\nChannel 1: it's on the the last three or whatever it is. The neck is popping up on me. Current weight, you got zero percentage on them ones. So that's that's yet to perform or yet to produce.\n\nChannel 0: Sorry. The c is that in the target column, do you mean? The target rates column?\n\nChannel 1: Current weight percentage.\n\nChannel 0: Yeah. So that's\n\nChannel 1: It's\n\nChannel 0: what we are rebalancing it through. So that is just\n\nChannel 1: yeah. Alrighty.\n\nChannel 0: how your money will be divided. So\n\nChannel 1: Yep.\n\nChannel 0: that's not like the return. It's just how it's distributed\n\nChannel 1: Right. I thought it might be in the percentage of what it's earning.\n\nChannel 0: across. Yeah. No. That's just what we're trying changing it through\n\nChannel 1: Yep.\n\nChannel 0: in terms of a weight, a weighted allocation.\n\nChannel 1: Yep.\n\nChannel 0: So you can see that you have ten and four and twenty five and seven, three, making sure we we keep it diversified for you.\n\nChannel 1: Yep.\n\nChannel 0: The bottom two says the BetaShares Australia two hundred is that one that we kind of swapped out for Bennelong. So this one\n\nChannel 1: Alrighty.\n\nChannel 0: is more yeah. So, again, we wanna make sure you have your Australian equity component. I wanna, you know, invest in that as well. But the Bennelong was that active\n\nChannel 1: I get\n\nChannel 0: fund\n\nChannel 1: it.\n\nChannel 0: that kind of underperformed. The purpose of that is for them to kind of\n\nChannel 1: Mhmm.\n\nChannel 0: And sometimes that can work out really well if they have a really good philosophy, and, historically, they have done really, really well. But then, yeah, like, the last year or so, that's when they had the issue with one of the investments, with the suspense on one of the the companies there. So it just hasn't done as well. So we wanna swap that out for you. I'm still keeping the Australian, but we're swapping it through the Australia two hundred.\n\nAnd that one is it's pretty simple that it just invest in the 200 largest companies listed on the ASX. So you will have,\n\nChannel 1: Oh, I\n\nChannel 0: you\n\nChannel 1: think\n\nChannel 0: know, companies yeah.\n\nChannel 1: I think I'm\n\nChannel 0: Like\n\nChannel 1: starting to understand the system.\n\nChannel 0: Yeah. So it's like Commonwealth and CHB, Woolworths. Like, the big\n\nChannel 1: Yep.\n\nChannel 0: companies there for you as well.\n\nChannel 1: Yep. These aren't actual physical physical\n\nChannel 0: Exactly.\n\nChannel 1: things that have been bought. It's actually credits.\n\nChannel 0: Exact yeah. Kind of.\n\nChannel 1: Yep.\n\nChannel 0: You you invest in little bit little portion in different companies\n\nChannel 1: Yep.\n\nChannel 0: or different options kind of thing.\n\nChannel 1: They make a bit of money, you get a bit of money. If they don't make money, you don't make money.\n\nChannel 0: Exactly. Exactly. Yeah. So we obviously overall, the, you know, the structure of the portfolio is similar, but it's just swapping some investment out.\n\nChannel 1: Yes.\n\nChannel 0: So I've kind of\n\nChannel 1: Yep.\n\nChannel 0: been underperforming a little bit and swapping it out through to different investments. And by doing so as well, the fees have actually reduced a little bit, which is great, which is what I will show you in the next couple of pages. But the biggest\n\nChannel 1: Yep.\n\nChannel 0: thing is also that the returns have have improved. So on the next page, you will see that proposed asset allocation. Can you see that okay, Paul?\n\nChannel 1: Yep. I've just pulled it up.\n\nChannel 0: Yep. Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So you can see here that between the existing column and the proposed column, they are very similar. So existing is how you are currently\n\nChannel 1: Mhmm.\n\nChannel 0: invested. Proposed is what I'm suggesting to change it. So\n\nChannel 1: Yep.\n\nChannel 0: you will see that they are pretty similar in terms of how they are invested. It's just swapping some of those investment\n\nChannel 1: K.\n\nChannel 0: out\n\nChannel 1: Get rid\n\nChannel 0: for\n\nChannel 1: of the duds.\n\nChannel 0: other ones. But yeah. Exactly. Now the next page for me, you will see a fee comparison table. Can you see\n\nChannel 1: The fee comparisons\n\nChannel 0: that?\n\nChannel 1: starts with\n\nChannel 0: Yep.\n\nChannel 1: that. That's the 15.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now this one can look a little bit messy sometimes, but it basically puts all the math and calculation, everything there for you so you can see it. So you can see your current situation. So your hub twenty four currently, the fees that you are currently paying in hub twenty four, contributions going into super as well. You don't have any insured premiums coming out. You will see you following me so far, Paul?\n\nChannel 1: Yep. I'm just\n\nChannel 0: Yeah.\n\nChannel 1: rolling down the right end column, the differences.\n\nChannel 0: Yeah. Exactly. So even on the current, you will see that we've used a five year rolling average on your current portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: And it's obviously, during those five years, it's then averaging it out over the whole time frame. And some of those years, they've done better and others worse. So to give you a bit more of, you know, more of what's happened in the market and the portfolio, we do wanna use a five year rolling average, because if I used twelve months, depending on when I used it, it would be very different outcome.\n\nChannel 1: Yep.\n\nChannel 0: So this gives you a bit more realistically\n\nChannel 1: A\n\nChannel 0: kind of what's happened historically, if that makes sense.\n\nChannel 1: lot of it's out of my head, but I'm understanding bits and pieces of it. And I said\n\nChannel 0: Yeah.\n\nChannel 1: one day, it'll it'll all it'll work out for me.\n\nChannel 0: Yeah. Exactly. Now on the recommended, like I said, we are staying in Hub 24,\n\nChannel 1: Yep.\n\nChannel 0: making some changes. You can see here that the the biggest change or the really, the the only change is the investment fee, and that\n\nChannel 1: Yep.\n\nChannel 0: is just simply by swapping your investment. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: You\n\nChannel 0: not\n\nChannel 1: wouldn't\n\nChannel 0: making\n\nChannel 1: think it'd\n\nChannel 0: any\n\nChannel 1: make\n\nChannel 0: other\n\nChannel 1: a big difference, would you?\n\nChannel 0: Yeah. It's just and and, again, because because they are active and the purpose is to try to outperform because they use a lot more research and stuff to try to sell and buy a lot more frequent or trying to outperform, they tend to cost a little bit more because there's a lot more involved in it\n\nChannel 1: Yep.\n\nChannel 0: than just kind of, you know, tracking, let's say, the 500 biggest companies. That just kind of follows along and tracks it, so it's a lot cheaper that way. So that makes a pretty big difference. And even the returns, you can see as well, again, using the five year rolling average. You can then see the difference between the two portfolios as well that even though it is cheaper in terms of fee, historically, it has performed quite a bit better as well.\n\nNow, yeah, now I do wanna let you know that because we are making changes in the investment, I've tried to minimize this as much as possible. There will still be some capital gains tax because we are changing some of your investment. Now that is the difference at the top where the balance is. So it\n\nChannel 1: Yep.\n\nChannel 0: does change when you calculate it because the prices change all the time. But when I did the calculation, it showed that by making the changes, there will be roughly 1,638 in capital gains tax from super. So you don't pay for it within superannuation. But I do wanna let you know so that you are aware. Good thing is that the investment fees alone will pretty quickly make up for that difference and then the returns as well.\n\nAnd because you're not looking at, obviously,\n\nChannel 1: Yep.\n\nChannel 0: retiring tomorrow, there is time for that. But I do wanna let you know as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions so far, Paul?\n\nChannel 1: Uh-uh. How do we do this so I don't have to buy a text?\n\nChannel 0: I tried, but this\n\nChannel 1: Yes.\n\nChannel 0: is this is this is the the the lowest I could come and part of the research because I had a lot a lot of different configurations on investment options, and this was the lowest one that would still give you the same in terms of the fees and the returns. To pay\n\nChannel 1: Yep.\n\nChannel 0: no tax would just be leave everything the way that it has been. But, obviously, the the returns and the performance, especially that hasn't been great, and it's also costing a little bit more in fee. So this was kind of the the best I could get for you with minimizing the tax while still improving the other\n\nChannel 1: With the investments, if we go off one in the future, not now,\n\nChannel 0: areas.\n\nChannel 1: that the fees are fairly high like Benelon's been doing, and they've been a mediocre return, are we able to to get rid of them fairly early in the piece, or is it just\n\nChannel 0: Yes.\n\nChannel 1: not worth the hackles?\n\nChannel 0: Yes. If if it is so, then most definitely. Now\n\nChannel 1: Yep.\n\nChannel 0: sometimes as well, you you don't want to sell quickly. Like, we don't wanna obviously day trade your superannuation because often when they do dip, they tend to come back pretty quickly. So it's something you obviously keep an eye out because you also don't always wanna sell when it's when it's dropped because then you are selling at\n\nChannel 1: Yep.\n\nChannel 0: a\n\nChannel 1: That's when\n\nChannel 0: loss.\n\nChannel 1: you\n\nChannel 0: So\n\nChannel 1: were born\n\nChannel 0: especially Ben\n\nChannel 1: and\n\nChannel 0: along exactly. So it's it's that kind of, like, we obviously have an investment committee that deep dives into all the research and everything like that. And it's only when they kind of deep dive into everything and then to see that, okay. Well, this isn't really worth coming back from or it's, you know, all these reasons they should see potentially there are better options, we then swap out.\n\nChannel 1: Yep.\n\nChannel 0: But they do need regular to kinda do this. And most definitely, if there is another situation where we feel like, you know what, it's this one isn't going to, let's say, Japan isn't going to be the way, then we can very easily swap it out. Top 20\n\nChannel 1: Yep.\n\nChannel 0: four, because there's hundreds of different options for us to choose from, allows us to do that.\n\nChannel 1: Yeah. I think Japan\n\nChannel 0: Yeah.\n\nChannel 1: is gonna be pretty safe for what I've been here and around.\n\nChannel 0: Yes. Yes. I think so too. And that's also the biggest kind of the the active management with Ben on, they can be really good, and that's why it was recommended in your portfolio at that time because they've done really, really well.\n\nChannel 1: Yep.\n\nChannel 0: But because they you know, it can be a little bit higher in fees as well, it is also one you do wanna keep an eye on because of that because it's not always that it outperforms the market by having good active managers. And that's also why, obviously, everything wasn't in that. But that's also now because you are obviously getting closer to retirement, we wanna limit and kind of limit volatility a little bit that most of these all of these investments are kind of tracking that index. So even if, for example, one of the companies, let's say, in the S and P 500, does badly, that falls out, and then another one will come in,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense. So\n\nChannel 1: Yep.\n\nChannel 0: it's a little bit, yeah, a little bit different that way. But most definitely, it's something we always keep an eye on because you never know. Things can always change. So it is something that we are actively looking at all the investments, and that's why the annual reviews are so good as well. They also gives us an opportunity in between everything to then kind of reassess everything.\n\nChannel 1: I think at the moment, everything's gonna swing on the American side of things.\n\nChannel 0: Yeah. Yes. There's obviously a lot of lot a lot going on, a lot going on over there at\n\nChannel 1: Yes.\n\nChannel 0: the moment.\n\nChannel 1: They're not all good.\n\nChannel 0: No. And, you know, some people would say there's some opportunities, and then, obviously, you don't wanna take too much of a risk as well, especially, you know, with your superannuation and your retirement savings.\n\nChannel 1: Yep.\n\nChannel 0: Now on the next page there for me, Paul, you will see kind of a projected balance and then the returns listed. Can you see\n\nChannel 1: This is page 16.\n\nChannel 0: that? Yes. Exactly.\n\nChannel 1: Yep.\n\nChannel 0: So that just kind of flows on through the returns and the fees. Just kind of showing you that, you know, if everything stays on track and projected, that's kind of the difference by making the change. And that also factors in the tax, obviously, coming out. It factors in all of that because, obviously, the the compound so the in return does compound and make a difference and then also by saving you in that investment fee.\n\nChannel 1: Right. Yeah. I was going to the current, which is $8.44, which is way short of what I'd I'd like. And the the 1.2 is that worth where I wanted to be plus.\n\nChannel 0: Yeah. Exactly. Which, hopefully, we'll try our best to obviously make sure you can get as close to that and obviously making the change. You can even see here annualized investments. You can see that underneath it, which you\n\nChannel 1: Mhmm.\n\nChannel 0: can see that, obviously, that's the full fees. The twelve month in your current haven't done too well. But when you look a bit more three and five years, it's done better, but\n\nChannel 1: Yes.\n\nChannel 0: not as good as the recommended.\n\nChannel 1: Yeah. Just out of curiosity, we've got retirement age of 65.\n\nChannel 0: Yep.\n\nChannel 1: If I keep on working, does this keep on going?\n\nChannel 0: Yes. Yes. If\n\nChannel 1: Doesn't\n\nChannel 0: you\n\nChannel 1: automatically\n\nChannel 0: keep on working, no.\n\nChannel 1: yep. That's\n\nChannel 0: Yeah. And, also, I have even shown you because even if you retire and at 65, depending on if you wanna take it as a lump sum or an income stream, but if you\n\nChannel 1: good.\n\nChannel 0: take it as an income, then, you know, if you're not taking everything at once, the the remaining of your money are still being invested.\n\nChannel 1: Yep.\n\nChannel 0: You're still getting\n\nChannel 1: It's still\n\nChannel 0: returns\n\nChannel 1: loading.\n\nChannel 0: on those. Exactly. Which is on the next\n\nChannel 1: Yep.\n\nChannel 0: page, page six seventeen. Can\n\nChannel 1: Yep.\n\nChannel 0: you see that retirement income calculation?\n\nChannel 1: Yep. I've just called across to it.\n\nChannel 0: Yeah. Perfect. Now this just kind of gives you an overview on, you know, if you were to retire at 65 and draw an income of 1,500 per week. The\n\nChannel 1: Mhmm.\n\nChannel 0: black, you can see, is your superannuation. The\n\nChannel 1: Yep.\n\nChannel 0: the blue is where potential age pension would come into play.\n\nChannel 1: Yep. Tasted it topped up.\n\nChannel 0: Yeah. So, basically, if\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: were\n\nChannel 1: the bottom\n\nChannel 0: to take\n\nChannel 1: one.\n\nChannel 0: yeah. The bottom there. Now, basically, if you were to take that at $1,500 per week from 65, let's say you stop working at 65 and you take it, then it will last basically until 92, and then it would only be age pension onwards.\n\nChannel 1: Yes.\n\nChannel 0: Assuming you, you know, stop working at 65 and take out that amount, you might wanna take out more to a bit less depending on, obviously, what's happening for you. And then, also, if you do work longer, even if you say, like, work part time at 65, you'll have more money going in. You might not take as much out. That also make it makes a difference. Mhmm.\n\nChannel 1: Mhmm. Well, my plan at the moment is to start sinking more money into the into the super. So, hopefully, you know, another 4 to $600 a month going in on top of what work puts in. Hopefully, it'll it'll buff it right up.\n\nChannel 0: Yep. Yes. And there is Tab Space for it. So the only thing I would be mindful of, you can still do it more.\n\nChannel 1: Yep.\n\nChannel 0: It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is\n\nChannel 1: It'll be a seller's\n\nChannel 0: keeping\n\nChannel 1: second policy.\n\nChannel 0: yeah. It's to keep under 30,000, including your employer contribution. That\n\nChannel 1: 20\n\nChannel 0: is\n\nChannel 1: 30 green audio.\n\nChannel 0: the $30. Yeah. So let me get this up here for you, actually, while I have it because that shows the\n\nChannel 1: I'm\n\nChannel 0: table\n\nChannel 1: probably\n\nChannel 0: shows\n\nChannel 1: better off just putting the cash and locking it away.\n\nChannel 0: let me see if I can get this up here for you just to see how much space you have left. Because, yeah, you can do up to 30,000 per financial year before\n\nChannel 1: Yes, sir.\n\nChannel 0: the salary. Yeah. So let's see here. With your income, I know it kind of fluctuates a little bit, but if it is roughly around the 91,000,\n\nChannel 1: Yep.\n\nChannel 0: then your employer puts in before tax, because he does calculate it before tax, 10,920 contributions going into super east tax at at 15%, which is why it's a slightly different figure in the research paper there for you because that shows you the after tax at what you get. So\n\nChannel 1: Oh, I just can't presume that our government is totally useless.\n\nChannel 0: tax everywhere. Right?\n\nChannel 1: Oh, it can't seem on everyone, and they they still can't\n\nChannel 0: Yeah.\n\nChannel 1: run a\n\nChannel 0: Well, at least the the good thing is\n\nChannel 1: budget.\n\nChannel 0: that it is 15. Obviously, your marginal tax rate would be higher, which is still why seller sacrifice is good because you still reduce your taxable income as long as you pay, obviously, over 50% in tax, which you would\n\nChannel 1: Mhmm.\n\nChannel 0: pay in your\n\nChannel 1: You\n\nChannel 0: tax\n\nChannel 1: know what?\n\nChannel 0: bracket.\n\nChannel 1: I'm I would probably better off just taking that money out and putting it in the cash and putting it away somewhere.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: guess\n\nChannel 1: The government\n\nChannel 0: it depends.\n\nChannel 1: doesn't like that, do you?\n\nChannel 0: Well, you might not have to tell them. No.\n\nChannel 1: Oh,\n\nChannel 0: It\n\nChannel 1: I won't.\n\nChannel 0: depends,\n\nChannel 1: Tell\n\nChannel 0: obviously,\n\nChannel 1: me.\n\nChannel 0: yeah, what what your goals are and stuff like that. But, yes, if you put it in through super and it is good to salary sacrifice because your money is still invested and compounded. But, yes, it does get taxed 15% going in, and there is that max of 30,000\n\nChannel 1: Yep.\n\nChannel 0: per\n\nChannel 1: I've\n\nChannel 0: financial\n\nChannel 1: been\n\nChannel 0: year.\n\nChannel 1: I've got an extra $40.40 dollars a a week down at the moment\n\nChannel 0: Yes.\n\nChannel 1: on top.\n\nChannel 0: Which which I have factored in here for you. So includes it. So the $40 per week, you stay well under the cap. If you wanted to do a little bit more, you could and still stay under the cap. If you wanna change it by a lot, I would say just give me a call, and I can just do the the numbers for you just to make sure you stay under that cap.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Almost at the end there for you, which basically just outlines ongoing services, which which you would know know that, obviously, every 12 months, we do that kind of comprehensive annual review, which, you know,\n\nChannel 1: Yep.\n\nChannel 0: we reassess everything for you. But, you know, if anything changes in the meantime, always give us a call. We can always reevaluate everything for you. And, obviously, we do keep an eye on investments and everything in the back end. Also, you know, when you do turn 60, there are different strategies we can have a look at for you that is tax effective, especially\n\nChannel 1: Mhmm.\n\nChannel 0: if your goal is to kinda minimize tax a little bit, especially if you are still working where, you know, when you do turn 60, you can access up to 10% tax free from super. So we can work on different figures where you actually start drawing a little bit of an income from super, which will be tax free. And at the same time, your salary sacrifice a little bit into super. So your your income stays the same, but you basically save a little bit on tax by\n\nChannel 1: Yep.\n\nChannel 0: salary sacrificing and taking some money out. So when you turn 60, if you're still working and you wanna look at that, I definitely highly suggest something we can do the research on, then we can run that number for you as well and see if we can make things a little bit harder, work harder for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Streamline\n\nChannel 0: Yep.\n\nChannel 1: and what's the other thing I was gonna say? Streamline anyway. Yep.\n\nChannel 0: Yep. And, obviously, there's no changes to the fee structure. It is all part of the ongoing advice fee. So, you know, if you are happy to go ahead with these change, I would just need you to sign sign the documents. It will then come\n\nChannel 1: Yep.\n\nChannel 0: through to me. I can get that sorted for you. And, yeah, it's just that standard 1.65 from super. No changes at all. It's all part of that ongoing advice fee for you.\n\nChannel 1: Not why I'm just going what have I done? I've doubled up a page. So go down the bottom of this one. It's gotta be down here somewhere. Or is it no.\n\nNot there. That one. So signature request, sign document.\n\nChannel 0: Yep.\n\nChannel 1: I'll hit that. So I hit click to start.\n\nChannel 0: Yes, please.\n\nChannel 1: And there we go. And what's the in signature,\n\nChannel 0: Yes.\n\nChannel 1: what\n\nChannel 0: I think it usually asks you to draw a signature\n\nChannel 1: what\n\nChannel 0: even.\n\nChannel 1: sign. I love\n\nChannel 0: Yep.\n\nChannel 1: the one's date. Date is\n\nChannel 0: Makes\n\nChannel 1: done\n\nChannel 0: it\n\nChannel 1: '23.\n\nChannel 0: nice and easy.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. I can always turn it. Well, that's not my signature because you can read it.\n\nChannel 0: Mine's the same.\n\nChannel 1: Is that all I need to do on that one?\n\nChannel 0: Yep. So\n\nChannel 1: Oh,\n\nChannel 0: once\n\nChannel 1: next.\n\nChannel 0: you've yes. Once you did and it should\n\nChannel 1: Next.\n\nChannel 0: say finished\n\nChannel 1: Fill in.\n\nChannel 0: or\n\nChannel 1: So\n\nChannel 0: complete.\n\nChannel 1: what do I do here? That's fine. It's got text. Do I just\n\nChannel 0: Are\n\nChannel 1: have to\n\nChannel 0: you\n\nChannel 1: put a screw with me?\n\nChannel 0: Yeah. You can just do NA. That's just if you wanted to make any variations to any of it, you could put it there. But if you're happy and not wanting to make any changes, you can just do NA or just the full stop or anything.\n\nChannel 1: So how do I do that full stop? There\n\nChannel 0: Yep.\n\nChannel 1: we go. Validate and send complete\n\nChannel 0: Yep.\n\nChannel 1: document. The murder would do this because when I come home and turn the computer on, we had no Internet.\n\nChannel 0: Oh, That's\n\nChannel 1: Took me about twenty minutes of playing around with it. There\n\nChannel 0: typical.\n\nChannel 1: we go.\n\nChannel 0: Oh, really?\n\nChannel 1: And because I'm on Starlink, and it's going down\n\nChannel 0: Ah, yes.\n\nChannel 1: in New South Wales.\n\nChannel 0: Ah, really? Everywhere.\n\nChannel 1: Yep. So what do I do now? Download or close?\n\nChannel 0: You can do either you can you can close it. You don't have to do anything else. If you\n\nChannel 1: Yep.\n\nChannel 0: wanna download a copy of a and keep on on file for you, by all means, we always have a copy as well. So if you\n\nChannel 1: Yep.\n\nChannel 0: if you disclose it and you want access to it later, just give me a call or send us an email, and I can always email it to you as well.\n\nChannel 1: Yep. And I'll just I'll just hit download, and I think it just sent me through. So it should be all put by now, I assume.\n\nChannel 0: Yep. That's all. Let me see here. Yep. I\n\nChannel 1: Yep.\n\nChannel 0: think that's all come through. Sometimes it takes a little bit to come through, but if it's just\n\nChannel 1: Yep.\n\nChannel 0: done on your end, that should all be that'd be fine. So as soon as that comes through, I'll get the team to process that change for you. We'll go ahead and make the change, and get all of that sorted. But if there's anything else that you do need, you know, in the meantime there, Paul, always give us a call or or send me an email, and we can always book in another catch up.\n\nChannel 1: Not a worry. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Well, thank you so much for your time today. Like I said, anything else, just just give us a call. But, otherwise, if you don't have any other questions for me, I will let you go and enjoy your afternoon.\n\nChannel 1: We show. I guess I did it now.\n\nChannel 0: Yeah. Lovely.\n\nChannel 1: Yep.\n\nChannel 0: Well,\n\nChannel 1: Thank\n\nChannel 0: I'll\n\nChannel 1: you\n\nChannel 0: I'll\n\nChannel 1: very much\n\nChannel 0: speak\n\nChannel 1: for\n\nChannel 0: to\n\nChannel 1: that.\n\nChannel 0: you soon. No\n\nChannel 1: Will\n\nChannel 0: problem at all, Paul.\n\nChannel 1: do. Yep.\n\nChannel 0: Thank\n\nChannel 1: Have\n\nChannel 0: you.\n\nChannel 1: a good day. Yep.\n\nChannel 0: You\n\nChannel 1: Bye.\n\nChannel 0: too. Bye.\n\nChannel 1: Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.032856740057468414}],"sentiment":"neutral","sentiment_score":0.032856740057468414,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Good afternoon.","start":3.12,"end":3.76,"sentiment":"neutral","sentiment_score":0.2034226432442665},{"text":"Is this Paul?","start":3.76,"end":4.66,"sentiment":"neutral","sentiment_score":0.10383792966604233}],"sentiment":"neutral","sentiment_score":0.143671815097332,"channel":0,"num_words":5,"start":3.12,"end":4.66},{"sentences":[{"text":"It's Paul speaking.","start":4.96,"end":6.08,"sentiment":"neutral","sentiment_score":0.032735434671243034},{"text":"Yes.","start":6.08,"end":6.58,"sentiment":"neutral","sentiment_score":0.12316463887691498}],"sentiment":"neutral","sentiment_score":0.05534273572266102,"channel":1,"num_words":4,"start":4.96,"end":6.58},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":6.8799996,"end":8.82,"sentiment":"neutral","sentiment_score":0.15613061686356863},{"text":"How are you this afternoon?","start":8.96,"end":10.099999,"sentiment":"neutral","sentiment_score":0.19415403604507447}],"sentiment":"neutral","sentiment_score":0.17341398921879855,"channel":0,"num_words":11,"start":6.8799996,"end":10.099999},{"sentences":[{"text":"Not bad.","start":11.12,"end":11.679999,"sentiment":"neutral","sentiment_score":0.13966403901576996},{"text":"Had a bit of a hassle with the Internet, but sorted","start":11.679999,"end":14.344999,"sentiment":"neutral","sentiment_score":-0.03052072582597082}],"sentiment":"neutral","sentiment_score":-0.004338454311856857,"channel":1,"num_words":13,"start":11.12,"end":14.344999},{"sentences":[{"text":"Oh, well, that's that's good.","start":14.795,"end":16.895,"sentiment":"positive","sentiment_score":0.5167444944381714},{"text":"I had you booked","start":17.994999,"end":19.035,"sentiment":"positive","sentiment_score":0.4612361043691635}],"sentiment":"positive","sentiment_score":0.49207409885194564,"channel":0,"num_words":9,"start":14.795,"end":19.035},{"sentences":[{"text":"out.","start":18.885,"end":19.385,"sentiment":"positive","sentiment_score":0.46426498889923096}],"sentiment":"positive","sentiment_score":0.46426498889923096,"channel":1,"num_words":1,"start":18.885,"end":19.385},{"sentences":[{"text":"in just for a quick catch up really to go through the research on your investment in your super.","start":19.035,"end":24.954998,"sentiment":"positive","sentiment_score":0.3752790830637279},{"text":"Is now still a good time for you?","start":24.954998,"end":26.575,"sentiment":"positive","sentiment_score":0.34848979115486145}],"sentiment":"positive","sentiment_score":0.36734151509073043,"channel":0,"num_words":27,"start":19.035,"end":26.575},{"sentences":[{"text":"Right now, it'd be a very good time.","start":27.125,"end":29.145,"sentiment":"positive","sentiment_score":0.5430438742041588}],"sentiment":"positive","sentiment_score":0.5430438742041588,"channel":1,"num_words":8,"start":27.125,"end":29.145},{"sentences":[{"text":"Alright.","start":29.435,"end":29.935,"sentiment":"neutral","sentiment_score":0.32179519534111023},{"text":"Perfect.","start":30.369999,"end":30.869999,"sentiment":"positive","sentiment_score":0.42281073331832886},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for","start":31.169998,"end":37.25,"sentiment":"neutral","sentiment_score":0.06390213483775203}],"sentiment":"neutral","sentiment_score":0.08960220396208267,"channel":0,"num_words":24,"start":29.435,"end":37.25},{"sentences":[{"text":"Yep.","start":37.17,"end":37.67,"sentiment":"neutral","sentiment_score":0.07553263008594513}],"sentiment":"neutral","sentiment_score":0.07553263008594513,"channel":1,"num_words":1,"start":37.17,"end":37.67},{"sentences":[{"text":"quality and coaching purposes, if that's okay.","start":37.25,"end":39.59,"sentiment":"neutral","sentiment_score":0.07176758561815534}],"sentiment":"neutral","sentiment_score":0.07176758561815534,"channel":0,"num_words":7,"start":37.25,"end":39.59},{"sentences":[{"text":"No.","start":40.05,"end":40.29,"sentiment":"neutral","sentiment_score":0.04383721575140953},{"text":"That's good.","start":40.29,"end":41.11,"sentiment":"neutral","sentiment_score":0.1476382538676262}],"sentiment":"neutral","sentiment_score":0.1130379078288873,"channel":1,"num_words":3,"start":40.05,"end":41.11},{"sentences":[{"text":"Yeah.","start":41.329998,"end":41.809998,"sentiment":"neutral","sentiment_score":0.1929739415645599},{"text":"Perfect.","start":41.809998,"end":42.309998,"sentiment":"neutral","sentiment_score":0.2515842020511627},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please?","start":42.449997,"end":49.984997,"sentiment":"neutral","sentiment_score":0.06605208680033683}],"sentiment":"neutral","sentiment_score":0.07762445606015346,"channel":0,"num_words":27,"start":41.329998,"end":49.984997},{"sentences":[{"text":"Yep.","start":49.745,"end":50.225,"sentiment":"neutral","sentiment_score":0.02690375410020351},{"text":"Full name, Paul Ronald Stanley Davies.","start":50.225,"end":52.385,"sentiment":"neutral","sentiment_score":0.03568609648694595},{"text":"Date of birth, fifteen zero six nineteen sixty nine, and address is 188 Cook Drive, Googong 2620, New South Wales.","start":52.385,"end":62.690002,"sentiment":"neutral","sentiment_score":0.04155413340777159}],"sentiment":"neutral","sentiment_score":0.03970751856212263,"channel":1,"num_words":27,"start":49.745,"end":62.690002},{"sentences":[{"text":"Yep.","start":62.960003,"end":63.36,"sentiment":"neutral","sentiment_score":0.15265583992004397},{"text":"Perfect.","start":63.36,"end":63.760002,"sentiment":"positive","sentiment_score":0.4411979913711548},{"text":"That's exactly what I have here.","start":63.760002,"end":65.54,"sentiment":"positive","sentiment_score":0.4913441588481267}],"sentiment":"positive","sentiment_score":0.4427398480474949,"channel":0,"num_words":8,"start":62.960003,"end":65.54},{"sentences":[{"text":"I'm","start":66.375,"end":66.875,"sentiment":"neutral","sentiment_score":0.0944356769323349}],"sentiment":"neutral","sentiment_score":0.0944356769323349,"channel":1,"num_words":1,"start":66.375,"end":66.875},{"sentences":[{"text":"Have you had a busy day so far?","start":66.56,"end":68.4,"sentiment":"neutral","sentiment_score":0.027144467225298285},{"text":"Finished for the day or much more to","start":68.4,"end":70.08,"sentiment":"neutral","sentiment_score":0.014593719970434904}],"sentiment":"neutral","sentiment_score":0.020869093597866595,"channel":0,"num_words":16,"start":66.56,"end":70.08},{"sentences":[{"text":"finished","start":70.055,"end":70.375,"sentiment":"neutral","sentiment_score":0.02951023355126381}],"sentiment":"neutral","sentiment_score":0.02951023355126381,"channel":1,"num_words":1,"start":70.055,"end":70.375},{"sentences":[{"text":"go?","start":70.08,"end":70.58,"sentiment":"neutral","sentiment_score":0.03247317671775818}],"sentiment":"neutral","sentiment_score":0.03247317671775818,"channel":0,"num_words":1,"start":70.08,"end":70.58},{"sentences":[{"text":"for the day, and","start":70.375,"end":71.755,"sentiment":"neutral","sentiment_score":-0.0034136667381972075}],"sentiment":"neutral","sentiment_score":-0.0034136667381972075,"channel":1,"num_words":4,"start":70.375,"end":71.755},{"sentences":[{"text":"Oh.","start":71.595,"end":72.095,"sentiment":"neutral","sentiment_score":-0.018041228875517845}],"sentiment":"neutral","sentiment_score":-0.018041228875517845,"channel":0,"num_words":1,"start":71.595,"end":72.095},{"sentences":[{"text":"the week has only just started.","start":71.895,"end":73.355,"sentiment":"neutral","sentiment_score":-0.020455882884562016}],"sentiment":"neutral","sentiment_score":-0.020455882884562016,"channel":1,"num_words":6,"start":71.895,"end":73.355},{"sentences":[{"text":"Yep.","start":74.475,"end":74.975,"sentiment":"neutral","sentiment_score":0.029240157455205917},{"text":"Now, Paul, I just sent you an email with the statement of advice.","start":76.235,"end":81.855,"sentiment":"neutral","sentiment_score":0.031960646192041725},{"text":"Are you able to access your emails at the moment or not really if Internet's a bit tricky?","start":82.555,"end":87.56,"sentiment":"neutral","sentiment_score":-0.03255003033619788}],"sentiment":"neutral","sentiment_score":-0.004411624628119171,"channel":0,"num_words":32,"start":74.475,"end":87.56},{"sentences":[{"text":"I I am as we speak.","start":87.75,"end":89.93,"sentiment":"neutral","sentiment_score":-0.011464037466794252}],"sentiment":"neutral","sentiment_score":-0.011464037466794252,"channel":1,"num_words":6,"start":87.75,"end":89.93},{"sentences":[{"text":"Okay.","start":90.58,"end":91.08,"sentiment":"neutral","sentiment_score":0.00750144524499774}],"sentiment":"neutral","sentiment_score":0.00750144524499774,"channel":0,"num_words":1,"start":90.58,"end":91.08},{"sentences":[{"text":"Where you go?","start":91.555,"end":92.375,"sentiment":"neutral","sentiment_score":0.006084389053285122},{"text":"Veronica Global.","start":95.715004,"end":97.015,"sentiment":"neutral","sentiment_score":0.014446607790887356},{"text":"Sign the document.","start":100.355,"end":101.335,"sentiment":"neutral","sentiment_score":0.01639039379854997}],"sentiment":"neutral","sentiment_score":0.012039695517159998,"channel":1,"num_words":8,"start":91.555,"end":101.335},{"sentences":[{"text":"Yep.","start":102.055,"end":102.555,"sentiment":"neutral","sentiment_score":0.0492866113781929},{"text":"Yep.","start":102.615,"end":103.115,"sentiment":"neutral","sentiment_score":0.050332676619291306},{"text":"Now you can either click sign, and it will open up the documents to run through.","start":103.655,"end":110.97,"sentiment":"neutral","sentiment_score":0.047990437829867005},{"text":"Or before you click sign, you'll also see a couple of attachments.","start":111.770004,"end":115.31,"sentiment":"neutral","sentiment_score":0.03477140391866366}],"sentiment":"neutral","sentiment_score":0.042824104676644006,"channel":0,"num_words":30,"start":102.055,"end":115.31},{"sentences":[{"text":"Alrighty.","start":117.27,"end":117.67,"sentiment":"neutral","sentiment_score":0.07311965525150299},{"text":"I'll get it back to that one.","start":117.67,"end":119.45,"sentiment":"neutral","sentiment_score":0.06182766333222389},{"text":"Alright.","start":122.424995,"end":122.744995,"sentiment":"neutral","sentiment_score":0.054840754717588425},{"text":"Right down the bottom of these four attachments.","start":122.744995,"end":125.085,"sentiment":"neutral","sentiment_score":0.045985628850758076}],"sentiment":"neutral","sentiment_score":0.054625828476513136,"channel":1,"num_words":17,"start":117.27,"end":125.085},{"sentences":[{"text":"Yes.","start":124.89,"end":125.39,"sentiment":"neutral","sentiment_score":0.07276314496994019},{"text":"Now 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know.","start":558.645,"end":561.465,"sentiment":"neutral","sentiment_score":-0.10798264773828643}],"sentiment":"neutral","sentiment_score":-0.09496585163287818,"channel":0,"num_words":16,"start":558.085,"end":561.465},{"sentences":[{"text":"Yep.","start":561.41504,"end":561.91504,"sentiment":"neutral","sentiment_score":0.062159061431884766}],"sentiment":"neutral","sentiment_score":0.062159061431884766,"channel":1,"num_words":1,"start":561.41504,"end":561.91504},{"sentences":[{"text":"Yep.","start":562.565,"end":562.965,"sentiment":"neutral","sentiment_score":0.1588081568479538},{"text":"Perfect.","start":562.965,"end":563.465,"sentiment":"positive","sentiment_score":0.3898389935493469},{"text":"Now this basically here, just on the next couple of pages, just just puts everything in black and white for you.","start":564.325,"end":569.58,"sentiment":"neutral","sentiment_score":0.18295324522824513},{"text":"So it just breaks down why I have recommended, basically, why you keep Hub twenty 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well.","start":584.305,"end":593.745,"sentiment":"neutral","sentiment_score":-0.09309338629245759},{"text":"So there's always a level of risk associated with any investment option.","start":593.745,"end":597.93,"sentiment":"neutral","sentiment_score":-0.24945537249247232}],"sentiment":"neutral","sentiment_score":-0.12510669212788345,"channel":0,"num_words":40,"start":581.34503,"end":597.93},{"sentences":[{"text":"Yeah.","start":598.4,"end":598.64,"sentiment":"neutral","sentiment_score":-0.11522822827100754}],"sentiment":"neutral","sentiment_score":-0.11522822827100754,"channel":1,"num_words":1,"start":598.4,"end":598.64},{"sentences":[{"text":"Obviously,","start":598.55,"end":599.02997,"sentiment":"neutral","sentiment_score":-0.06489109992980957}],"sentiment":"neutral","sentiment_score":-0.06489109992980957,"channel":0,"num_words":1,"start":598.55,"end":599.02997},{"sentences":[{"text":"Well, 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They also discuss the use of Hub 24 and the importance of minimizing risk. The speaker emphasizes the importance of reducing exposure to certain stocks and diversifying the portfolio, and provides information on the retirement savings program and annual reviews. They stress the importance of saving money into super and mention ongoing services and tax savings. The agent provides instructions for completing the agreement and offers to book in another time if needed."},"intents":{"segments":[{"text":"I had you booked out. in just for a quick catch up really to go through the research on your investment in your super. Is now still a good time for you?","start_word":39,"end_word":70,"intents":[{"intent":"Schedule call","confidence_score":0.004708025}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please?","start_word":116,"end_word":140,"intents":[{"intent":"Confirm identity and phone number","confidence_score":0.000007982162}]},{"text":"Now, Paul, I just sent you an email with the statement of advice. Are you able to access your emails at the moment or not really if Internet's a bit tricky?","start_word":207,"end_word":237,"intents":[{"intent":"Access documents","confidence_score":0.09604765}]},{"text":"The only thing we are looking at is your superannuation, mostly your Yep. investments in your superannuation to see if we could make a couple of changes to improve the returns, reduce the fees a little bit for you, to try to improve everything for you so you can hopefully retire at 65 with that $1,500 per week.","start_word":579,"end_word":636,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.0011174463}]},{"text":"So we do wanna obviously make sure we get rid of that one and Yep. swap it out for something that's doing better for you, a little bit reducing that risk, a little bit of fluctuations, and taking away that active management approach that Benelon had in the portfolio. Yep.","start_word":701,"end_word":750,"intents":[{"intent":"Change investments","confidence_score":0.0020455858}]},{"text":"Now this basically here, just on the next couple of pages, just just puts everything in black and white for you. So it just breaks down why I have recommended, basically, why you keep Hub twenty four as your super fund. And then on the next couple of pages, I will run through the changes in the investments that I have recommended Yep. for you.","start_word":1535,"end_word":1599,"intents":[{"intent":"Discuss investment recommendations","confidence_score":0.19808522}]},{"text":"You will see cybersecurity you already had in the portfolio. So, obviously, AI technology is not going anywhere anytime soon. So, not going anywhere anytime soon. So it has done pretty well. So we are keeping that one in your portfolio, just reducing the exposure a little bit because that one can be a little bit more fluctuating. So we wanna make sure it only represents a smaller portion of your portfolio, only about four Yep. percent.","start_word":1967,"end_word":2043,"intents":[{"intent":"Address portfolio issues","confidence_score":0.00030545815}]},{"text":"So if there's one that kind of falls out and another one that comes in, you don't have to change the investment. It just kind of tracks the biggest ones to give you that exposure, if that makes Yeah.","start_word":2124,"end_word":2162,"intents":[{"intent":"Analyze investments","confidence_score":0.17995287}]},{"text":"So still keeping that Vanguard all world, and that one is good because it excludes The US.","start_word":2462,"end_word":2478,"intents":[{"intent":"Exclude us","confidence_score":0.026724257}]},{"text":"So that includes investments kind of around the world, but excludes The US because, again, you do have that exposure The US has a bit of a hiccup, It takes everyone down if you're elsewhere. all in there. Exactly.","start_word":2518,"end_word":2556,"intents":[{"intent":"Divert investments","confidence_score":0.5553215}]},{"text":"So, again, just to diversify things for you, we wanna make we grow it and take advantage of the different markets, but not having too much exposure in one specific area. Yep.","start_word":2698,"end_word":2729,"intents":[{"intent":"Grow company","confidence_score":0.18768667},{"intent":"Take advantage of markets","confidence_score":0.010963449}]},{"text":"So that's It's what we are rebalancing it through. So that is just yeah.","start_word":2789,"end_word":2802,"intents":[{"intent":"Rebalancing weight percentage","confidence_score":0.06672743}]},{"text":"That's just what we're trying changing it through Yep. in terms of a weight, a weighted allocation. Yep.","start_word":2838,"end_word":2855,"intents":[{"intent":"Change investment strategies","confidence_score":0.004094363}]},{"text":"And even the returns, you can see as well, again, using the five year rolling average. You can then see the difference between the two portfolios as well that even though it is cheaper in terms of fee, historically, it has performed quite a bit better as well.","start_word":3766,"end_word":3813,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.07344148}]},{"text":"So it Yep. does change when you calculate it because the prices change all the time. But when I did the calculation, it showed that by making the changes, there will be roughly 1,638 in capital gains tax from super.","start_word":3870,"end_word":3909,"intents":[{"intent":"Explain tax benefits","confidence_score":0.021032427}]},{"text":"So it is something that we are actively looking at all the investments, and that's why the annual reviews are so good as well. They also gives us an opportunity in between everything to then kind of reassess everything.","start_word":4603,"end_word":4641,"intents":[{"intent":"Evaluate investments","confidence_score":0.22394884}]},{"text":"Just out of curiosity, we've got retirement age of 65.","start_word":4944,"end_word":4953,"intents":[{"intent":"Discuss retirement age","confidence_score":0.23703304},{"intent":"Discuss retirement age","confidence_score":0.36804608},{"intent":"Discuss retirement age","confidence_score":0.06744614}]},{"text":"Just out of curiosity, we've got retirement age of 65. Yep.","start_word":4944,"end_word":4954,"intents":[{"intent":"Confirm retirement age","confidence_score":0.026738726},{"intent":"Explain retirement age","confidence_score":0.23000078},{"intent":"Discuss retirement income","confidence_score":0.04236436}]},{"text":"you see that retirement income calculation? Yep.","start_word":5059,"end_word":5065,"intents":[{"intent":"Explain retirement income calculation","confidence_score":0.16323665},{"intent":"Highlight retirement income calculation","confidence_score":0.0004539266}]},{"text":"Assuming you, you know, stop working at 65 and take out that amount, you might wanna take out more to a bit less depending on, obviously, what's happening for you. And then, also, if you do work longer, even if you say, like, work part time at 65, you'll have more money going in. You might not take as much out. That also make it makes a difference.","start_word":5187,"end_word":5254,"intents":[{"intent":"Suggest working longer","confidence_score":0.001164669}]},{"text":"So, hopefully, you know, another 4 to $600 a month going in on top of what work puts in. Hopefully, it'll it'll buff it right up. Yep. Yes.","start_word":5275,"end_word":5302,"intents":[{"intent":"Provide information","confidence_score":0.0045940173}]},{"text":"It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is It'll be a seller's keeping second policy. yeah.","start_word":5325,"end_word":5364,"intents":[{"intent":"Explain policy","confidence_score":0.04992958}]},{"text":"It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is It'll be a seller's keeping second policy. yeah. It's to keep under 30,000, including your employer contribution. That 20 is 30 green audio. the $30. Yeah.","start_word":5325,"end_word":5382,"intents":[{"intent":"Discuss tax saving options","confidence_score":0.0044062203},{"intent":"Discuss tax savings","confidence_score":0.038548276}]},{"text":"So let me get this up here for you, actually, while I have it because that shows the I'm table probably shows better off just putting the cash and locking it away.","start_word":5383,"end_word":5414,"intents":[{"intent":"Describe cash versus salary sacrifice","confidence_score":4.3070353e-10}]},{"text":"With your income, I know it kind of fluctuates a little bit, but if it is roughly around the 91,000, Yep. then your employer puts in before tax, because he does calculate it before tax, 10,920 contributions going into super east tax at at 15%, which is why it's a slightly different figure in the research paper there for you because that shows you the after tax at what you get.","start_word":5457,"end_word":5527,"intents":[{"intent":"Explain income calculation","confidence_score":0.019294126}]},{"text":"that it is 15. Obviously, your marginal tax rate would be higher, which is still why seller sacrifice is good because you still reduce your taxable income as long as you pay, obviously, over 50% in tax, which you would Mhmm.","start_word":5566,"end_word":5606,"intents":[{"intent":"Explain marginal tax rate","confidence_score":0.022967387},{"intent":"Explain tax rates","confidence_score":0.0037827017}]},{"text":"doesn't like that, do you?","start_word":5644,"end_word":5648,"intents":[{"intent":"Guide government resources","confidence_score":0.0000021741027}]},{"text":"So your your income stays the same, but you basically save a little bit on tax by Yep. salary sacrificing and taking some money out. So when you turn 60, if you're still working and you wanna look at that, I definitely highly suggest something we can do the research on, then we can run that number for you as well and see if we can make things a little bit harder, work harder for Yep. you.","start_word":5992,"end_word":6068,"intents":[{"intent":"Create a better deal","confidence_score":0.000009927282}]},{"text":"That's just if you wanted to make any variations to any of it, you could put it there. But if you're happy and not wanting to make any changes, you can just do NA or just the full stop or anything.","start_word":6335,"end_word":6375,"intents":[{"intent":"Make changes and modify","confidence_score":0.000019239591}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Paul? It's Paul speaking. Yes. This is Veronica from Oakview Financial. How are you this afternoon? Not bad. Had a bit of a hassle with the Internet, but sorted Oh, well, that's that's good.","start_word":0,"end_word":38,"sentiment":"neutral","sentiment_score":0.16715846955776217},{"text":"I had you booked out. in just for a quick catch up really to go through the research on your investment in your super. Is now still a good time for you? Right now, it'd be a very good time.","start_word":39,"end_word":78,"sentiment":"positive","sentiment_score":0.422127902507782},{"text":"Alright.","start_word":79,"end_word":79,"sentiment":"neutral","sentiment_score":0.32179519534111023},{"text":"Perfect.","start_word":80,"end_word":80,"sentiment":"positive","sentiment_score":0.42281073331832886},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for Yep. quality and coaching purposes, if that's okay. No. That's good. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address there, please? Yep. Full name, Paul Ronald Stanley Davies. Date of birth, fifteen zero six nineteen sixty nine, and address is 188 Cook Drive, Googong 2620, New South Wales. Yep.","start_word":81,"end_word":168,"sentiment":"neutral","sentiment_score":0.06724857538938522},{"text":"Perfect. That's exactly what I have here.","start_word":169,"end_word":175,"sentiment":"positive","sentiment_score":0.4690888226032257},{"text":"I'm Have you had a busy day so far? Finished for the day or much more to finished go? for the day, and Oh. the week has only just started. Yep. Now, Paul, I just sent you an email with the statement of advice. Are you able to access your emails at the moment or not really if Internet's a bit tricky? I I am as we speak. Okay. Where you go? Veronica Global. Sign the document. Yep. Yep. Now you can either click sign, and it will open up the documents to run through. Or before you click sign, you'll also see a couple of attachments. Alrighty. I'll get it back to that one. Alright. Right down the bottom of these four attachments. Yes. Now if you can click on that one where it says statement of advice. Yep. Yep. Perfect. So this is the same that is with the signature, but sometimes it's just a bit easier to view it this way first. Mhmm. Alright. So we'll run through this now. Yes, please. Please. Yep. Yep. It won't it won't be, you know, too long, not too many changes. Just going through, obviously, a couple of changes I have recommended, but, you know, it's completely up to you if you do wanna go ahead with the changes or not, essentially. Yep. Now on the cover page here, you will see that this has been prepared just for yourself. You will see my details listed at the bottom there. You will see my authorized representative obviously licensed under OT Financial, and you have all our details under there as well. Yep.","start_word":176,"end_word":447,"sentiment":"neutral","sentiment_score":0.05138089907739092},{"text":"Nice on the cover page.","start_word":448,"end_word":452,"sentiment":"positive","sentiment_score":0.3965807855129242},{"text":"Yes. Yep. Yep. Exactly. Now on this second page, you would have seen this before, but it just outlines that best interest duty for you again. Just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Yes. Yeah.","start_word":453,"end_word":520,"sentiment":"neutral","sentiment_score":0.05177843198180199},{"text":"Perfect.","start_word":521,"end_word":521,"sentiment":"positive","sentiment_score":0.3458497226238251},{"text":"As you scroll through on page three for me, you will see scope of advice. Can you see that Page three, table of contents. okay? Might be the the following page. Sometimes it factors in the cover page Yep. as page one. Yeah. State of advice. Here we go. Yep.","start_word":522,"end_word":571,"sentiment":"neutral","sentiment_score":0.05988343060016632},{"text":"Perfect. So it is pretty straightforward today.","start_word":572,"end_word":578,"sentiment":"positive","sentiment_score":0.4168340861797333},{"text":"The only thing we are looking at is your superannuation, mostly your Yep. investments in your superannuation to see if we could make a couple of changes to improve the returns, reduce the fees a little bit for you, to try to improve everything for you so you can hopefully retire at 65 with that $1,500 per week.","start_word":579,"end_word":636,"sentiment":"neutral","sentiment_score":0.2162124365568161},{"text":"That'd be awesome.","start_word":637,"end_word":639,"sentiment":"positive","sentiment_score":0.7478029727935791},{"text":"Yeah. I just I just looked at the number and since June, July, August, my trip has gone back at $13. Yeah. It has been, obviously, a lot of fluctuations in the market with, obviously, a lot lot going on in the world. And the biggest thing was that Benelon, which did have that restriction on one of their investments. So we do wanna obviously make sure we get rid of that one and Yep. swap it out for something that's doing better for you, a little bit reducing that risk, a little bit of fluctuations, and taking away that active management approach that Benelon had in the portfolio. Yep. I'll get it back And now one time. yeah. Now as you kind of scroll through, I'll I won't spend too much time on it. You will see kind of in the next couple of pages a little bit of information about you, also your assets and liabilities listed. If you can just have a have a quick read Yep. over that You're for good. me. Just let me know if there's anything that needs changing in the back end. Yep. I'm old. Divorce. Dependence. We can change that one. I have one. Yep. One dependent. Yep. My youngest Yep. boy is 14, lives with me. Yep.","start_word":640,"end_word":856,"sentiment":"neutral","sentiment_score":0.0053280762950396205},{"text":"Perfect.","start_word":857,"end_word":857,"sentiment":"positive","sentiment_score":0.3694914579391479},{"text":"I will update that in the back end for you. And what's what are their names? It's Nicholas Davies. He's Nick got that Nicholas. one. Yep. Perfect. And you said he was 14? Yep. He's 14. Yep. Perfect. I will update that for you. Anything else that needs updating? Full time. Well, I'm gonna stop paying child support very shortly so my savings will go right up. Well, that's good. Yep. Value $50.52. Yep. Yep. Yep. And liability gets free. So far so good. Yep.","start_word":858,"end_word":942,"sentiment":"neutral","sentiment_score":0.07777852565050125},{"text":"Perfect.","start_word":943,"end_word":943,"sentiment":"positive","sentiment_score":0.33855247497558594},{"text":"Now that then takes us to your risk profile. So that is page Mhmm. seven or eight. Can Yep. you see that heading? Yep. Yep. I'm just looking So at the map. yeah.","start_word":944,"end_word":976,"sentiment":"neutral","sentiment_score":0.06453516334295273},{"text":"Perfect.","start_word":977,"end_word":977,"sentiment":"positive","sentiment_score":0.3559996485710144},{"text":"So we're not making any changes to your risk profile. We are still keeping you within the balanced growth, trying Mhmm. to grow your super, you know, while you're asking working and contributing to super. But we also want, you know, a bit of that conservative element through the portfolio as well to limit fluctuations. Exactly. So with that asset allocation, you which you will kind of see outlined in the pie chart on the next page, it is that about seventy thirty split. So about 70% in your growth investment, which is your Australian equities, the international equity, and the Yep. property as well, and then about 30% in defensive investments, like your your cash, your fixed interest, and then gold can factor into kind of both factors to make sure we limit fluctuations a little bit there Yeah. for you, Paul. I think Yep. I missed the bus on the gold. We do let me have a look here for you. We do have gold in your portfolio, and it was already in the portfolio for you as well.","start_word":978,"end_word":1158,"sentiment":"neutral","sentiment_score":0.16641618130286095},{"text":"Good. So that that's in there.","start_word":1159,"end_word":1164,"sentiment":"positive","sentiment_score":0.3979561030864715},{"text":"Now if you can see can you see a heading now where it says retain your hub twenty four superannuation and change your investments? Can you see that blue heading? It'll Page be So it will be nine or 10. oh, yeah. It I gotta would get say back up. It's better a recommendation. yep. Is that the one? Yes. Exactly. So Yep.","start_word":1165,"end_word":1227,"sentiment":"neutral","sentiment_score":0.08558396995067596},{"text":"I did have a look at your hub twenty four as well just to make sure it was still going to be the best option for you.","start_word":1228,"end_word":1254,"sentiment":"positive","sentiment_score":0.3333941400051117},{"text":"So I did some research on other options as well, some kind of similar competitive ones that does allow us to do a lot with your investment.","start_word":1255,"end_word":1281,"sentiment":"neutral","sentiment_score":0.28387317061424255},{"text":"But Hub twenty four still came out as the most competitive when it comes to the fees and flexibility.","start_word":1282,"end_word":1300,"sentiment":"positive","sentiment_score":0.4105706214904785},{"text":"Yep. And then also, if we wanted to swap you through something else, it would result in a pretty good a pretty big capital gains tax because your investments since you obviously came on board have gone up quite a lot, and there was just no point in in doing that when twenty four is still doing really well. Yeah. And I Yeah. will refuse to anything that'll put money in the government's hands. Yeah. And we do wanna minimize that as much as possible, especially that that tax.","start_word":1301,"end_word":1389,"sentiment":"neutral","sentiment_score":0.05314165353775024},{"text":"And I do use hub twenty four myself for my superannuation, and it is very, you know, competitive out there in the market what it allows us to do.","start_word":1390,"end_word":1418,"sentiment":"positive","sentiment_score":0.4327321648597718},{"text":"So not making Yes. any changes. What's that what's that? Sorry, Paul. I just put you off loudspeaker, but I can't hear you about loudspeaker on this phone. It's just I bought a cheap phone and it's yeah. It's cheap. Okay. Can you still hear me now, though? Yeah. I'll just put you back on Yeah. loudspeaker. I'll Yeah. go from I can hardly hear you to very loud. I I think I keep my volume the same. Sorry. Please, not Yeah. me. No. That's alright. Oh, I just yeah. I was gonna work this fine out. Yeah. No. That's if you can't hear me at any point, though, just let me know. Yep. Yep.","start_word":1419,"end_word":1533,"sentiment":"neutral","sentiment_score":-0.10024377703666688},{"text":"Perfect.","start_word":1534,"end_word":1534,"sentiment":"positive","sentiment_score":0.3898389935493469},{"text":"Now this basically here, just on the next couple of pages, just just puts everything in black and white for you. So it just breaks down why I have recommended, basically, why you keep Hub twenty four as your super fund. And then on the next couple of pages, I will run through the changes in the investments that I have recommended Yep. for you. So you will see a couple of advantages with the recommendation, a couple of disadvantages as well to be mindful of, some risks as well. So there's always a level of risk associated with any investment option. Yeah. Obviously, Well, the to first be mindful is of yeah. The first disadvantage that you accept in the market because you can't exactly. predict what it's gonna do. Exactly. We we always try crystal ball, but that is also how we then, you know, use more of the diversification in your portfolio. So if there is a specific investment that do fluctuate more, that's not doing well. We obviously don't wanna have everything in one option or one Yeah. market alone. We do wanna diversify to take advantage of the growth opportunities, but then also, you know, because you're obviously getting closer to retirement, we don't wanna put too much in, you know, those speculative investments That's what I'll get for. So in eight years, I've gotta try and get 600,000 more into my super somehow. either. Minimum. Well, I have I have actually done a bit of a calculation for you. I'm also factoring in what things would look like. But if you can go to page 12 for me or 13, this basically shows your investment switch. Can you see that okay? Investment switch. Can you see that okay? Yep. It pays Yep. 13 for me. Yep. Yes. Exactly. Now the the the things in red is just what we are selling. Yep. And then red is sorry. Black is then what we are buying or keeping. So we will see that Benelon Australian Equities.","start_word":1535,"end_word":1874,"sentiment":"neutral","sentiment_score":-0.017797904269879355},{"text":"That was that one I was talking about that's kind of underperformed, which has caused, you know, the biggest fluctuation.","start_word":1875,"end_word":1894,"sentiment":"negative","sentiment_score":-0.355707049369812},{"text":"So we do wanna sell Yes. completely out of that one. We're also swapping out of the bank hybrid that is actually being phased out at the moment, and we've swapped it with a different that's for your defensive investment. Just swapping that one out. You can see here gold. We still have that in your portfolio. Just rebalancing a little bit, so still keeping 10% of gold in your portfolio. Mhmm. You will see cybersecurity you already had in the portfolio. So, obviously, AI technology is not going anywhere anytime soon. So, not going anywhere anytime soon. So it has done pretty well. So we are keeping that one in your portfolio, just reducing the exposure a little bit because that one can be a little bit more fluctuating. So we wanna make sure it only represents a smaller portion of your portfolio, only about four Yep. percent. Yep. Now you will have your your biggest shareholding, which is the next one, which is the iShares SMP 500 at 25%.","start_word":1895,"end_word":2065,"sentiment":"neutral","sentiment_score":0.05902337282896042},{"text":"You already have that one in your portfolio, and that one has done really well.","start_word":2066,"end_word":2080,"sentiment":"positive","sentiment_score":0.44351035356521606},{"text":"And just with that one single investment, it does invest in the 500 largest listed companies in The US. So Yep. just that one single investment is obviously very diversified, and it just kind of tracks the biggest companies in The US. So if there's one that kind of falls out and another one that comes in, you don't have to change the investment. It just kind of tracks the biggest ones to give you that exposure, if that makes Yeah. I'm just trying to make a detailed at the moment, and sense. it's interesting how I might've been along So on equities, zero, then you have beta share, then you go down to the Global Healthcare. Surprising that one actually didn't work out. Yep. Yeah. Yeah. Health care has seen a bit of yeah. They haven't done so well. So the the the the red is just what we are selling. That's not that it's down.","start_word":2081,"end_word":2237,"sentiment":"neutral","sentiment_score":0.07523109715218378},{"text":"Yay.","start_word":2238,"end_word":2238,"sentiment":"positive","sentiment_score":0.3834049105644226},{"text":"Yeah. That's just what we're selling out of. But it was one through that the health care, obviously, even in, you know, a fluctuating market and in a downturn, they tend to do pretty well because, obviously, the demand for health care is always going to be there. Mhmm. But I have done, you know, not as kind of as expected. So we're swapping that one out as well, which you can see here, the health care, Yep. which we are swapping out. And then we're also changing again two of those defensive investment, which is the Vanguard fixed interest and the diversified in index there for you. You will Crunch. see I'm so sorry. Oh, it's interesting. Vanguard Australian fixed, then you got a third one down there, which actually paid. I'm assuming that'll be all the same division of the or a different division of the same company. So Vanguard, the the the two top ones are your defensive. So those are, like, Yeah. your fixed interest components. Yep. The Vanguard or All World that is investing in equity. So that one invests in companies. Rodeo. Yep. So it's the it's it's the same company, though, so Vanguard, Yep. but it's different style of investment. So that one forms more part of those growth investments and more your company. Mhmm.","start_word":2239,"end_word":2460,"sentiment":"neutral","sentiment_score":0.052709560841321945},{"text":"So still keeping that Vanguard all world, and that one is good because it excludes The US.","start_word":2461,"end_word":2477,"sentiment":"positive","sentiment_score":0.3508547246456146},{"text":"Because, again, we don't want you to be too targeted in one market. And because you have 25% in the ISHIS S and P five Yep. 100, If which is The US, we then wanna, again, diversify things for you. So that includes investments kind of around the world, but excludes The US because, again, you do have that exposure The US has a bit of a hiccup, It takes everyone down if you're elsewhere. all in there. Exactly. So that's also where you can see kind of underneath it, the next through that we've then kind of swapped out some of the other investments Yep. that we've European and Japanese. added. Yeah. Exactly. Again, these are ETFs. So kind of those lower cost ones just kind of following different indexes. And, again, it's investing in the kind of midsize to large companies, so not the the really small ones, like the big ones that you would know of. Like, some of the biggest one in the IHS Europe that you may have heard of is, like, Nestle or NovoNordic or AstraZeneca, Shell, you may have heard Yep. Some of them of. But have. yeah. And then in Japan, you obviously have Toyota and Sony. Like, the car companies and stuff, they're Yep. the big ones as part of that. So, again, just to diversify things for you, we wanna make we grow it and take advantage of the different markets, but not having too much exposure in one specific area. Yep. I know Yep. it's on the the last three or whatever it is. The neck is popping up on me. Current weight, you got zero percentage on them ones. So that's that's yet to perform or yet to produce. Sorry. The c is that in the target column, do you mean? The target rates column? Current weight percentage. Yeah. So that's It's what we are rebalancing it through. So that is just yeah. Alrighty. how your money will be divided. So Yep. that's not like the return. It's just how it's distributed Right. I thought it might be in the percentage of what it's earning. across. Yeah. No. That's just what we're trying changing it through Yep. in terms of a weight, a weighted allocation. Yep. So you can see that you have ten and four and twenty five and seven, three, making sure we we keep it diversified for you. Yep. The bottom two says the BetaShares Australia two hundred is that one that we kind of swapped out for Bennelong. So this one Alrighty. is more yeah. So, again, we wanna make sure you have your Australian equity component. I wanna, you know, invest in that as well. But the Bennelong was that active I get fund it. that kind of underperformed. The purpose of that is for them to kind of Mhmm.","start_word":2478,"end_word":2954,"sentiment":"neutral","sentiment_score":0.07685036116925925},{"text":"And sometimes that can work out really well if they have a really good philosophy, and, historically, they have done really, really well.","start_word":2955,"end_word":2977,"sentiment":"positive","sentiment_score":0.4022277295589447},{"text":"But then, yeah, like, the last year or so, that's when they had the issue with one of the investments, with the suspense on one of the the companies there. So it just hasn't done as well. So we wanna swap that out for you. I'm still keeping the Australian, but we're swapping it through the Australia two hundred. And that one is it's pretty simple that it just invest in the 200 largest companies listed on the ASX. So you will have, Oh, I you think know, companies yeah. I think I'm Like starting to understand the system. Yeah. So it's like Commonwealth and CHB, Woolworths. Like, the big Yep. companies there for you as well. Yep. These aren't actual physical physical Exactly. things that have been bought. It's actually credits. Exact yeah. Kind of. Yep. You you invest in little bit little portion in different companies Yep. or different options kind of thing. They make a bit of money, you get a bit of money.","start_word":2978,"end_word":3144,"sentiment":"neutral","sentiment_score":0.05317222326993942},{"text":"If they don't make money, you don't make money.","start_word":3145,"end_word":3153,"sentiment":"negative","sentiment_score":-0.4165200889110565},{"text":"Exactly. Exactly. Yeah. So we obviously overall, the, you know, the structure of the portfolio is similar, but it's just swapping some investment out. Yes. So I've kind of Yep. been underperforming a little bit and swapping it out through to different investments.","start_word":3154,"end_word":3196,"sentiment":"neutral","sentiment_score":0.0260747242718935},{"text":"And by doing so as well, the fees have actually reduced a little bit, which is great, which is what I will show you in the next couple of pages. But the biggest Yep. thing is also that the returns have have improved.","start_word":3197,"end_word":3239,"sentiment":"positive","sentiment_score":0.5349716544151306},{"text":"So on the next page, you will see that proposed asset allocation. Can you see that okay, Paul? Yep. I've just pulled it up. Yep. Yeah.","start_word":3240,"end_word":3265,"sentiment":"neutral","sentiment_score":0.13315655291080475},{"text":"Perfect.","start_word":3266,"end_word":3266,"sentiment":"positive","sentiment_score":0.4127262234687805},{"text":"Yep. So you can see here that between the existing column and the proposed column, they are very similar. So existing is how you are currently Mhmm. invested. Proposed is what I'm suggesting to change it. So Yep. you will see that they are pretty similar in terms of how they are invested. It's just swapping some of those investment K. out Get rid for of the duds. other ones. But yeah. Exactly. Now the next page for me, you will see a fee comparison table. Can you see The fee comparisons that? starts with Yep. that. That's the 15. Yep. Yep. Now this one can look a little bit messy sometimes, but it basically puts all the math and calculation, everything there for you so you can see it. So you can see your current situation. So your hub twenty four currently, the fees that you are currently paying in hub twenty four, contributions going into super as well. You don't have any insured premiums coming out. You will see you following me so far, Paul? Yep. I'm just Yeah. rolling down the right end column, the differences. Yeah. Exactly. So even on the current, you will see that we've used a five year rolling average on your current portfolio. Mhmm. And it's obviously, during those five years, it's then averaging it out over the whole time frame. And some of those years, they've done better and others worse. So to give you a bit more of, you know, more of what's happened in the market and the portfolio, we do wanna use a five year rolling average, because if I used twelve months, depending on when I used it, it would be very different outcome. Yep. So this gives you a bit more realistically A kind of what's happened historically, if that makes sense. lot of it's out of my head, but I'm understanding bits and pieces of it. And I said Yeah. one day, it'll it'll all it'll work out for me. Yeah. Exactly. Now on the recommended, like I said, we are staying in Hub 24, Yep. making some changes. You can see here that the the biggest change or the really, the the only change is the investment fee, and that Yep. is just simply by swapping your investment. Does that make sense? Yeah. So You not wouldn't making think it'd any make other a big difference, would you? Yeah. It's just and and, again, because because they are active and the purpose is to try to outperform because they use a lot more research and stuff to try to sell and buy a lot more frequent or trying to outperform, they tend to cost a little bit more because there's a lot more involved in it Yep. than just kind of, you know, tracking, let's say, the 500 biggest companies. That just kind of follows along and tracks it, so it's a lot cheaper that way.","start_word":3267,"end_word":3758,"sentiment":"neutral","sentiment_score":0.06250948253716153},{"text":"So that makes a pretty big difference. And even the returns, you can see as well, again, using the five year rolling average.","start_word":3759,"end_word":3781,"sentiment":"positive","sentiment_score":0.34639108180999756},{"text":"You can then see the difference between the two portfolios as well that even though it is cheaper in terms of fee, historically, it has performed quite a bit better as well. Now, yeah, now I do wanna let you know that because we are making changes in the investment, I've tried to minimize this as much as possible. There will still be some capital gains tax because we are changing some of your investment. Now that is the difference at the top where the balance is. So it Yep. does change when you calculate it because the prices change all the time. But when I did the calculation, it showed that by making the changes, there will be roughly 1,638 in capital gains tax from super. So you don't pay for it within superannuation. But I do wanna let you know so that you are aware.","start_word":3782,"end_word":3928,"sentiment":"neutral","sentiment_score":0.1540485313352273},{"text":"Good thing is that the investment fees alone will pretty quickly make up for that difference and then the returns as well.","start_word":3929,"end_word":3950,"sentiment":"positive","sentiment_score":0.6876124739646912},{"text":"And because you're not looking at, obviously, Yep. retiring tomorrow, there is time for that. But I do wanna let you know as well. Yep. Yep. Any questions so far, Paul? Uh-uh. How do we do this so I don't have to buy a text? I tried, but this Yes. is this is this is the the the lowest I could come and part of the research because I had a lot a lot of different configurations on investment options, and this was the lowest one that would still give you the same in terms of the fees and the returns. To pay Yep. no tax would just be leave everything the way that it has been. But, obviously, the the returns and the performance, especially that hasn't been great, and it's also costing a little bit more in fee. So this was kind of the the best I could get for you with minimizing the tax while still improving the other With the investments, if we go off one in the future, not now, areas. that the fees are fairly high like Benelon's been doing, and they've been a mediocre return, are we able to to get rid of them fairly early in the piece, or is it just Yes. not worth the hackles? Yes. If if it is so, then most definitely. Now Yep. sometimes as well, you you don't want to sell quickly. Like, we don't wanna obviously day trade your superannuation because often when they do dip, they tend to come back pretty quickly. So it's something you obviously keep an eye out because you also don't always wanna sell when it's when it's dropped because then you are selling at Yep. a That's when loss. you So were born especially Ben and along exactly. So it's it's that kind of, like, we obviously have an investment committee that deep dives into all the research and everything like that. And it's only when they kind of deep dive into everything and then to see that, okay. Well, this isn't really worth coming back from or it's, you know, all these reasons they should see potentially there are better options, we then swap out. Yep. But they do need regular to kinda do this. And most definitely, if there is another situation where we feel like, you know what, it's this one isn't going to, let's say, Japan isn't going to be the way, then we can very easily swap it out. Top 20 Yep. four, because there's hundreds of different options for us to choose from, allows us to do that. Yeah. I think Japan Yeah.","start_word":3951,"end_word":4390,"sentiment":"neutral","sentiment_score":0.017731074802577497},{"text":"is gonna be pretty safe for what I've been here and around.","start_word":4391,"end_word":4402,"sentiment":"positive","sentiment_score":0.3725588321685791},{"text":"Yes. Yes.","start_word":4403,"end_word":4404,"sentiment":"neutral","sentiment_score":0.25458866357803345},{"text":"I think so too. And that's also the biggest kind of the the active management with Ben on, they can be really good, and that's why it was recommended in your portfolio at that time because they've done really, really well.","start_word":4405,"end_word":4445,"sentiment":"positive","sentiment_score":0.5575911402702332},{"text":"Yep. But because they you know, it can be a little bit higher in fees as well, it is also one you do wanna keep an eye on because of that because it's not always that it outperforms the market by having good active managers. And that's also why, obviously, everything wasn't in that. But that's also now because you are obviously getting closer to retirement, we wanna limit and kind of limit volatility a little bit that most of these all of these investments are kind of tracking that index. So even if, for example, one of the companies, let's say, in the S and P 500, does badly, that falls out, and then another one will come in, Yep. if that makes sense. So Yep. it's a little bit, yeah, a little bit different that way. But most definitely, it's something we always keep an eye on because you never know. Things can always change.","start_word":4446,"end_word":4602,"sentiment":"neutral","sentiment_score":0.1173334729139972},{"text":"So it is something that we are actively looking at all the investments, and that's why the annual reviews are so good as well. They also gives us an opportunity in between everything to then kind of reassess everything.","start_word":4603,"end_word":4641,"sentiment":"positive","sentiment_score":0.4446814954280853},{"text":"I think at the moment, everything's gonna swing on the American side of things. Yeah. Yes. There's obviously a lot of lot a lot going on, a lot going on over there at Yes. the moment.","start_word":4642,"end_word":4677,"sentiment":"neutral","sentiment_score":0.04503680393099785},{"text":"They're not all good. No.","start_word":4678,"end_word":4682,"sentiment":"negative","sentiment_score":-0.5548776984214783},{"text":"And, you know, some people would say there's some opportunities, and then, obviously, you don't wanna take too much of a risk as well, especially, you know, with your superannuation and your retirement savings. Yep. Now on the next page there for me, Paul, you will see kind of a projected balance and then the returns listed. Can you see This is page 16. that? Yes. Exactly. Yep. So that just kind of flows on through the returns and the fees.","start_word":4683,"end_word":4763,"sentiment":"neutral","sentiment_score":0.014919430948793888},{"text":"Just kind of showing you that, you know, if everything stays on track and projected, that's kind of the difference by making the change.","start_word":4764,"end_word":4787,"sentiment":"positive","sentiment_score":0.34876590967178345},{"text":"And that also factors in the tax, obviously, coming out. It factors in all of that because, obviously, the the compound so the in return does compound and make a difference and then also by saving you in that investment fee. Right. Yeah. I was going to the current, which is $8.","start_word":4788,"end_word":4839,"sentiment":"neutral","sentiment_score":0.05470728874206543},{"text":"44, which is way short of what I'd I'd like.","start_word":4839,"end_word":4848,"sentiment":"negative","sentiment_score":-0.3590089678764343},{"text":"And the the 1.2 is that worth where I wanted to be plus. Yeah. Exactly. Which, hopefully, we'll try our best to obviously make sure you can get as close to that and obviously making the change. You can even see here annualized investments. You can see that underneath it, which you Mhmm. can see that, obviously, that's the full fees. The twelve month in your current haven't done too well. But when you look a bit more three and five years, it's done better, but Yes.","start_word":4849,"end_word":4935,"sentiment":"neutral","sentiment_score":-0.02126212976872921},{"text":"not as good as the recommended.","start_word":4936,"end_word":4941,"sentiment":"negative","sentiment_score":-0.6074564456939697},{"text":"Yeah. Just out of curiosity, we've got retirement age of 65. Yep. If I keep on working, does this keep on going? Yes. Yes. If Doesn't you automatically keep on working, no. yep. That's Yeah. And, also, I have even shown you because even if you retire and at 65, depending on if you wanna take it as a lump sum or an income stream, but if you good. take it as an income, then, you know, if you're not taking everything at once, the the remaining of your money are still being invested. You're Yep. still getting It's still returns loading. on those. Exactly. Which is on the next Yep. page, page six seventeen. Can Yep. you see that retirement income calculation? Yep. I've just called across to it.","start_word":4942,"end_word":5071,"sentiment":"neutral","sentiment_score":0.09875838510118998},{"text":"Yeah. Perfect.","start_word":5072,"end_word":5073,"sentiment":"positive","sentiment_score":0.4782481789588928},{"text":"Now this just kind of gives you an overview on, you know, if you were to retire at 65 and draw an income of 1,500 per week. The Mhmm. black, you can see, is your superannuation. The Yep. the blue is where potential age pension would come into play. Yep. Tasted it topped up. Yeah. So, basically, if Oh, you that's were the bottom to take one. yeah. The bottom there. Now, basically, if you were to take that at $1,500 per week from 65, let's say you stop working at 65 and you take it, then it will last basically until 92, and then it would only be age pension onwards. Yes. Assuming you, you know, stop working at 65 and take out that amount, you might wanna take out more to a bit less depending on, obviously, what's happening for you. And then, also, if you do work longer, even if you say, like, work part time at 65, you'll have more money going in. You might not take as much out. That also make it makes a difference. Mhmm. Mhmm.","start_word":5074,"end_word":5256,"sentiment":"neutral","sentiment_score":0.028124520555138588},{"text":"Well, my plan at the moment is to start sinking more money into the into the super.","start_word":5257,"end_word":5273,"sentiment":"negative","sentiment_score":-0.41800233721733093},{"text":"So, hopefully, you know, another 4 to $600 a month going in on top of what work puts in.","start_word":5274,"end_word":5292,"sentiment":"neutral","sentiment_score":0.2998412549495697},{"text":"Hopefully, it'll it'll buff it right up.","start_word":5293,"end_word":5299,"sentiment":"positive","sentiment_score":0.5039088726043701},{"text":"Yep. Yes. And there is Tab Space for it. So the only thing I would be mindful of, you can still do it more. Yep. It would just be, you know, cap spaces that if you wanna do it from, like, a tax saving point of view, if you wanna do it, like, a salary sacrifice, is It'll be a seller's keeping second policy. yeah. It's to keep under 30,000, including your employer contribution. That 20 is 30 green audio. the $30. Yeah. So let me get this up here for you, actually, while I have it because that shows the I'm table probably shows better off just putting the cash and locking it away. let me see if I can get this up here for you just to see how much space you have left. Because, yeah, you can do up to 30,000 per financial year before Yes, sir. the salary. Yeah. So let's see here. With your income, I know it kind of fluctuates a little bit, but if it is roughly around the 91,000, Yep. then your employer puts in before tax, because he does calculate it before tax, 10,920 contributions going into super east tax at at 15%, which is why it's a slightly different figure in the research paper there for you because that shows you the after tax at what you get.","start_word":5300,"end_word":5527,"sentiment":"neutral","sentiment_score":0.04623626545071602},{"text":"So Oh, I just can't presume that our government is totally useless. tax everywhere.","start_word":5528,"end_word":5541,"sentiment":"negative","sentiment_score":-0.39615198969841},{"text":"Right? Oh, it can't seem on everyone, and they they still can't Yeah. run a Well, at least the the good thing is budget. that it is 15. Obviously, your marginal tax rate would be higher, which is still why seller sacrifice is good because you still reduce your taxable income as long as you pay, obviously, over 50% in tax, which you would Mhmm. pay in your You tax know what? bracket.","start_word":5542,"end_word":5614,"sentiment":"neutral","sentiment_score":-0.06314697116613388},{"text":"I'm I would probably better off just taking that money out and putting it in the cash and putting it away somewhere.","start_word":5615,"end_word":5636,"sentiment":"negative","sentiment_score":-0.44527387619018555},{"text":"I No. guess The government it depends. doesn't like that, do you? Well, you might not have to tell them. No. Oh, It I won't. depends, Tell obviously, me. yeah, what what your goals are and stuff like that. But, yes, if you put it in through super and it is good to salary sacrifice because your money is still invested and compounded. But, yes, it does get taxed 15% going in, and there is that max of 30,000 Yep. per I've financial been year. I've got an extra $40.40 dollars a a week down at the moment Yes. on top.","start_word":5637,"end_word":5737,"sentiment":"neutral","sentiment_score":0.0775071465880564},{"text":"Which which I have factored in here for you.","start_word":5738,"end_word":5746,"sentiment":"positive","sentiment_score":0.3640766143798828},{"text":"So includes it. So the $40 per week, you stay well under the cap. If you wanted to do a little bit more, you could and still stay under the cap. If you wanna change it by a lot, I would say just give me a call, and I can just do the the numbers for you just to make sure you stay under that cap. Yep. Yep. Almost at the end there for you, which basically just outlines ongoing services, which which you would know know that, obviously, every 12 months, we do that kind of comprehensive annual review, which, you know, we Yep. reassess everything for you. But, you know, if anything changes in the meantime, always give us a call. We can always reevaluate everything for you. And, obviously, we do keep an eye on investments and everything in the back end. Also, you know, when you do turn 60, there are different strategies we can have a look at for you that is tax effective, especially Mhmm. if your goal is to kinda minimize tax a little bit, especially if you are still working where, you know, when you do turn 60, you can access up to 10% tax free from super.","start_word":5747,"end_word":5952,"sentiment":"neutral","sentiment_score":0.21539875864982605},{"text":"So we can work on different figures where you actually start drawing a little bit of an income from super, which will be tax free.","start_word":5953,"end_word":5977,"sentiment":"positive","sentiment_score":0.4044457972049713},{"text":"And at the same time, your salary sacrifice a little bit into super. So your your income stays the same, but you basically save a little bit on tax by Yep. salary sacrificing and taking some money out. So when you turn 60, if you're still working and you wanna look at that, I definitely highly suggest something we can do the research on, then we can run that number for you as well and see if we can make things a little bit harder, work harder for Yep. you. Streamline Yep. and what's the other thing I was gonna say? Streamline anyway. Yep. Yep. And, obviously, there's no changes to the fee structure. It is all part of the ongoing advice fee. So, you know, if you are happy to go ahead with these change, I would just need you to sign sign the documents. It will then come Yep. through to me. I can get that sorted for you. And, yeah, it's just that standard 1.65 from super. No changes at all. It's all part of that ongoing advice fee for you. Not why I'm just going what have I done? I've doubled up a page. So go down the bottom of this one. It's gotta be down here somewhere. Or is it no. Not there. That one. So signature request, sign document. Yep. I'll hit that. So I hit click to start. Yes, please. And there we go. And what's the in signature, Yes. what I think it usually asks you to draw a signature what even. sign.","start_word":5978,"end_word":6238,"sentiment":"neutral","sentiment_score":0.12436681985855104},{"text":"I love Yep. the one's date.","start_word":6239,"end_word":6244,"sentiment":"positive","sentiment_score":0.3974840044975281},{"text":"Date is Makes done it '23.","start_word":6245,"end_word":6250,"sentiment":"neutral","sentiment_score":0.29504767060279846},{"text":"nice and easy.","start_word":6251,"end_word":6253,"sentiment":"positive","sentiment_score":0.5735712051391602},{"text":"Yep. Yep. Yep. I can always turn it. Well, that's not my signature because you can read it. Mine's the same. Is that all I need to do on that one? Yep. So Oh, once next. you've yes. Once you did and it should Next. say finished Fill in. or So complete. what do I do here? That's fine. It's got text. Do I just Are have to you put a screw with me? Yeah. You can just do NA. That's just if you wanted to make any variations to any of it, you could put it there. But if you're happy and not wanting to make any changes, you can just do NA or just the full stop or anything. So how do I do that full stop? There Yep. we go. Validate and send complete Yep. document. The murder would do this because when I come home and turn the computer on, we had no Internet. Oh, That's Took me about twenty minutes of playing around with it. There typical. we go. Oh, really? And because I'm on Starlink, and it's going down Ah, yes. in New South Wales. Ah, really? Everywhere. Yep. So what do I do now? Download or close? You can do either you can you can close it. You don't have to do anything else. If you Yep. wanna download a copy of a and keep on on file for you, by all means, we always have a copy as well. So if you Yep. if you disclose it and you want access to it later, just give me a call or send us an email, and I can always email it to you as well. Yep. And I'll just I'll just hit download, and I think it just sent me through. So it should be all put by now, I assume. Yep. That's all. Let me see here. Yep. I Yep. think that's all come through. Sometimes it takes a little bit to come through, but if it's just Yep. done on your end, that should all be that'd be fine. So as soon as that comes through, I'll get the team to process that change for you. We'll go ahead and make the change, and get all of that sorted. But if there's anything else that you do need, you know, in the meantime there, Paul, always give us a call or or send me an email, and we can always book in another catch up. Not a worry.","start_word":6254,"end_word":6670,"sentiment":"neutral","sentiment_score":0.07352651371587095},{"text":"Sounds Yep. good. Perfect. Well, thank you so much for your time today.","start_word":6671,"end_word":6683,"sentiment":"positive","sentiment_score":0.6355469226837158},{"text":"Like I said, anything else, just just give us a call. But, otherwise, if you don't have any other questions for me, I will let you go and enjoy your afternoon. We show. I guess I did it now.","start_word":6684,"end_word":6722,"sentiment":"neutral","sentiment_score":0.22388459742069244},{"text":"Yeah. Lovely. Yep. Well, Thank I'll you I'll very much speak for to that.","start_word":6723,"end_word":6736,"sentiment":"positive","sentiment_score":0.5259557962417603},{"text":"you soon. No Will problem at all, Paul. do. Yep.","start_word":6737,"end_word":6746,"sentiment":"neutral","sentiment_score":0.27888810634613037},{"text":"Thank Have you. a good day.","start_word":6747,"end_word":6752,"sentiment":"positive","sentiment_score":0.5944343209266663},{"text":"Yep. You Bye. too. Bye.","start_word":6753,"end_word":6757,"sentiment":"neutral","sentiment_score":0.2555237412452698},{"text":"Thank you.","start_word":6758,"end_word":6759,"sentiment":"positive","sentiment_score":0.6559783816337585}],"average":{"sentiment":"neutral","sentiment_score":0.08523801086971619}}}}