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And he's past security, and he's all good. Perfect. Well, you can send him through when you're ready. Good afternoon, David. This is Veronica from Achieve Financial. How are you? Hello? Can you hear me? Yeah. David, can you hear me? Yeah. This is Veronica from Oakview Financial. How are you? Yeah. Good. Thanks for returning my callback. I had you booked in after our last conversation. I was reviewing your super investments to see if we could reduce some fees a little bit for you and also consider a couple of other industry funds to see what was going to be the best option for your superannuation moving forward. Do you remember that conversation? Yep. Perfect. And do you have time to go through that now? Yep. Perfect. Now, David, do you have access to your emails at the moment? Okay. It's no. That's okay. What I can do so what I have done is I have just sent you an email with the recommendation. But what I can do is I can just kind of quickly go through the main points with you. Then later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document. And if you then have any other questions for me, we can always book in another catch up. Would that be okay with you? Yep. Perfect. Now when you do get to the email, it will ask you to click on the link where it says sign now. It won't ask you to sign right away, but clicking that link will allow you to open up and view the document. Only at the end will ask you to sign, which you don't have to do unless you are comfortable to do so. Okay? Yep. Now when it actually comes through the statement of advice, it has been prepared and tailored directly for you. And it is a recommendation, but it also means that it is completely up to you if you would like to go ahead with the recommendation or not at the end of the day. Yep. Now when you have a look through the documents, you will also see my details listed on the cover page. So you will see my authorized representative number listed, and I am licensed under Oku Financial. Now on page two, it talks a little bit about the best interest duty, which you may have heard before. But, essentially, what it means is 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 can't actually make the recommendation. Does that make sense, David? Yep. Beautiful. Now today is pretty straightforward. What we are looking at today is your superannuation and your investment specifically within your superannuation. Not making any changes in regards to insurances or anything else. Literally just focusing on your superannuation today. Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through to oh, beautiful. Yeah. So if you can scroll down to page 12 for me, you should see where it says strategy recommendation. And it says, David, retain your hub 24 and change your underlying investments. Can you see where I'm up to? Can you see where I'm up to? Yes. So, basically, to make it easier, if you want to scroll down to page 15, I find it sometimes makes it a little bit easier because it outlines the actual recommendation in a table format. So what you just kind of scrolled past is just kind of talking in words, what I will go through with you now. I will have you let you have a read over that in your own time, But it basically talks about how the recommendation aligns with that best interest duty along with all the advantages, couple of disadvantages, some risks to be mindful of when it comes to the recommendation. Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible. I did also consider a couple of different industry funds. Now in the appendix, which I will go through with you later, I have included options for a similar table to the one you see in front of you comparing what I have recommended against Australia Super and also against HESTA so that you can actually see all the numbers and the outcomes in front of you. And when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement. But I will show you those tables as well so that you can actually see that comparison as well. Okay? Now when it comes to your investment, so that is basically what I have recommended that we change. So like I said, I also compared other, sophisticated platform similar to Hub 24 just to make sure it was still going to be the best option for you. And it's very competitive when it comes to the fees, investment choices, and flexibility with investment. So in Hub twenty four, you have hundreds of different investment options to choose from, which is how we can put together the investment portfolio and give you those returns. Now when it actually comes to the investments, you can see here that literally just by changing some of your investment, it is saving you about $460 a year in fees alone. Take 15 still. Yeah. Can you see that table still? Yes. Yeah. So where is this the total cost? So kind of one, two, three, four four rows from the bottom. It says total cost, and you can see there the difference. So the difference column is then showing you the difference between it. Now by changing the investment fees, because that is the only thing we are doing, we're not changing contributions. We're not changing insurances or anything like that. Literally, just the investments within hub twenty four. You can see that it is reducing your fees a little bit each year, which does make a bit of a difference. Sorry, David. It's just a little bit hard to hear you. What did you say there? So, basically, what I have recommended is just to change your investments and no other changes. So not changing your super fund, not changing contributions, not changing insurances. And the table you see on front of you shows you on page 15 the fee difference and the return with the changes in investments alone. So what it shows is it shows your total admin fees, your current admin fees, and the recommended. It shows the change in the investment fees. So you can see that that has been reduced for you. Other fees is associated with hub twenty four, so that stays the same. And then the rest is your adviser fees, contributions, and insurances. So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table later on so you can see exactly which one I have recommended. Okay? Yep. Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average. So that is the five year rolling average, the return on your investment. It shows you your current portfolio in Hub '24, but it also then compares the the new recommended. And you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%. Now it might not look like it much, but it does compound. So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you. Does that make sense? Yeah. Yeah. Yes. Yep. The adviser fee, the percentage stays the same, so there's no changes. The only reason why because it is a percentage of your balance, and this factors in the compounding return. So we're not changing the fee structure. The percentage stays the same. The only reason why it looks to be a little bit more is because the new recommended portfolio is predicted to perform better than your current. Therefore, you will have more money in superannuation. And on a dollar figure, that amount will be higher because you have more money in super. The percentage fee stays the same, though. Correct. These are all annual fees. Does that make sense? Yes. Yep. So page 16, it then shows you five and ten years. So, basically, following up from the table you just saw, it is just compounding everything forward. Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see. Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change. So we like to use a little bit longer time frame to give us that certainty, but I have also showed you the twelve month comparison, three years, five years, and ten year comparison. Okay? Yep. Now with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change. So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid. Now that is within superannuation, so you don't pay for anything yourself. You don't have to declare it. It is all within superannuation, but it is something I do wanna let you know. Now I've tried to minimize that as much as possible for you because I don't want you to have to pay any unnecessary tax tax and kinda minimize that. But it is estimated to be about $68 to make this investment change, and that is just tax paid for your change of investments. Does that make sense? So capital the capital gains tax is estimated to be $68. Correct. Yes. For everything I have recommended, that would change. Yes. So it is quite minimal, and, obviously, it can change as market prices and everything does change and fluctuate. So it can change a little bit. But, yes, it is estimated a total of $68. Now I did consider, obviously, moving to Australian super and HESTA and other options. And by doing so, we would have to obviously sell all your investments. And the capital gains tax by doing so would be around $4,659. So, obviously, way higher. So I've obviously tried to reduce that as much as I can and got it down through about $68. Correct. No. Just in total. Because we're not doing a lot of changes for your investments. It's very minimal. Now what that looks like in terms of the investment change is then on page 17 for you, so the following page. Let me know if you can see that. Now what you can yeah. You can see that okay? Yep. Perfect. Now what you can see is you can see your current investment. You can see the investment name. You can also see the the special code associated with these investments, your current weight, so how much you currently have in each of these investments. You have them to buy and sell. So what is highlighted in red is what I have recommended that we sell or rebalance for you. The target rate is how much we are aiming for when it comes to a percentage of the portfolio. And then the target balance, it's just the dollar value that represents their percentage target. Now with your investments, you can see here that there is only one investment that I have recommended that we completely sell out of and swap, and that is the first one. That is that Benelong Australian Equity. That's the one we kind of spoke a little bit about last time doing the annual review. Do you remember that as well? Yep. So I have recommended that we completely settle out of that one. And what we are doing instead is replacing it with the bottom one there, which is the beta shares Australia two hundred. Because we are changing one Australian investment, we wanted to make sure we still give you the diversification on having some investments in Australia. But we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns. So the BetaShares Australia two hundred, it is a little bit more simplified investment than the Bennelong because Bennelong is that kind of active component where they are actively buying and selling different investments in order to try to outperform the market, and they can do that more frequently. They can outperform, which is great, which is what they had been doing and which is why it was recommended to you in the first place. So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently. And if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return. So that is why I have recommended we change it to the BetaShares Australia two 100. Now that is the only new investment to your portfolio. All the others are just rebalancing. So you can see they are still keeping it in your portfolio. We're not completely selling out of it. It is just to rebalance your portfolio. Basically, rebalancing, it is the process of making sure that your superannuation continues to be invested in coding with your investment strategy, which is that aggressive investor for you because you do wanna maximize that growth in super while you still have time until retirement. But what can happen over time is that market movement can cause some investments to go up, represent a larger portion of your portfolio, while others kind of become a little bit smaller. So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification. Does that make sense, David? Yep. Perfect. So pretty straightforward with the investments. It is just swapping one for the other and rebalancing. Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like. And that is all of them. Okay? Yep. Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four. Not making any changes, obviously, as contributions and stuff goes in. The minimum is 1.25% from your account, which we do wanna stick to. We don't want any more cash because that's going to obviously impact the growth of your investment. So literally just that minimum target. Now the next page, so page 19, you will have the proposed asset allocation. Can you see that pie chart on the table? Yes. Yep. Now this one here basically shows you that aggressive risk profile. Now that is around a 100% in growth, not really focusing on any defensives, so no fixed interest or anything like that. It is mainly focusing on your growth investments, so your equity and property. Now it then shows you your existing portfolio, so how that is currently invested, and then it also shows the proposed portfolio. Now you can see here that the only defensive is the minimum cash balance associated with the hub twenty four. Everything else is then diversified into Australian equities, international equities, and property for you. Both portfolios do still align with your risk profile, though. So we're not making any changes to the level of risk. It is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you. Yep. Now when it comes through the fee structure, so page 22. Now we did touch on this a little bit during the under review, but I do wanna just recap on it for you. There is no changes in regards to that fee structure. It stays exactly the same at 1.65 from super. Now we do show you a yearly figure, but it is not a one off yearly fee coming out of your account. It is deducted on a monthly basis for you, and that is to make it more fair as well. Because it is a percentage of your balance and the market do tend to fluctuate, we are just deducting it on a monthly basis. But it also gives you the flexibility that if you are ever unhappy with the service or not sure what to do, you don't have to commit to a full twelve month and having to pay that one up fee. It's just a monthly deduction. There's no lock in contract. There's no exit fees or cancellation fees if you are ever not happy with the service or you don't wanna continue. Okay? Yep. Now, basically, that summarizes the advice. So pretty straightforward. I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you. Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well. So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well. Can you see that? So it will be the next document. So it will be the next one. So it basically as you scroll through the end of the first one, you should then kind of stop scrolling where it says statement of advice again prepared for yourself. And there's, like, another cover page with some mountains. If you keep scrolling, yes, or it should say next. Depends on sometimes how your phone is set up. And if you keep scrolling or press next, No? Okay. There's nothing there? Okay. What I might do, I'll I'll triple check with IT after the call and see. But if it's not there, what I will do is I will send you a separate email with that attachment. So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one. It is just for your reference to show you the research and the comparison. So I will go and check with IT once I get off the phone just to see if that somehow wasn't included. And if so or if not, then I will just send you a separate email and attach those documents. Okay? Yep. Nothing right now. When you have a moment to have a look at it, though, if you are happy with the recommendation, which is to change those investments for you, I will then need you to the document that you are in, at the bottom of that document, it will ask you to sign. It will just be date and sign it, and that is if you are happy to remain a client and proceed with those investments. Now there is also a text box, and that text box allows you to type. So if it is that you don't wanna go ahead like, you you want to stay on as a client, but you don't wanna go ahead with one of the changes or the rebalance or anything like that, there is a free type box which allows you to type anything as well. Yep. Yep. Yep. And that's okay. Okay. Beautiful. Now like I said there, David, as well, I will send you I'll check with IT, but I will also otherwise send you that document, which is the appendix. Now with the appendix is where you can then find those investment links through the investments if you wanted to go and have a bit of a read over it. And you can also see that comparison that I did consider Australian Super, along with HESTA. When I did look at the option, the most aggressive investment options they have is a high growth portfolio. So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find. And the difference in the balance when you have a look at it, that would be the capital gains tax. If you were to say, no. Wanna leave hub 24 and, for example, leave and go to. The capital gains tax would then be about 4,951. And when I consider the capital gains tax along with the fees, as long as that I along with that I couldn't achieve the same return, it wouldn't put you in as good of a position, and therefore, I did not recommend it at this time. Does that make sense? Yep. Perfect. Now I will send you through this document as well so that you have everything. But, otherwise, like I said, take your time and read over the document. If you have any questions, let me know. Otherwise, if you do have a read through everything and you are happy to go ahead, it will just ask for that signature. It should then send it back to me automatically, and that lets me know that you are happy to proceed. Okay? Yep. Perfect. Correct. Yes. You will have it within the next thirty minutes. Yep. No worries. If there's anything else you need, though, David, at any point in time, don't hesitate to give me a call. Okay? No worries. You enjoy the rest of your afternoon. Thanks. 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Oh, yeah. Perfect. Just let me get everything up for him. How does he sound?\n\nBecause he's always a little bit. Yeah. Yeah. Oh. Yep.\n\nNo. It definitely has. Okay. Let me have a look. And he's past security, and he's all good.\n\nPerfect. Well, you can send him through when you're ready. Good afternoon, David. This is Veronica from Achieve Financial. How are you?\n\nHello? Can you hear me? Yeah. David, can you hear me? Yeah.\n\nThis is Veronica from Oakview Financial. How are you? Yeah. Good. Thanks for returning my callback.\n\nI had you booked in after our last conversation. I was reviewing your super investments to see if we could reduce some fees a little bit for you and also consider a couple of other industry funds to see what was going to be the best option for your superannuation moving forward. Do you remember that conversation? Yep. Perfect.\n\nAnd do you have time to go through that now? Yep. Perfect. Now, David, do you have access to your emails at the moment? Okay.\n\nIt's no. That's okay. What I can do so what I have done is I have just sent you an email with the recommendation. But what I can do is I can just kind of quickly go through the main points with you. Then later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document.\n\nAnd if you then have any other questions for me, we can always book in another catch up. Would that be okay with you? Yep. Perfect. Now when you do get to the email, it will ask you to click on the link where it says sign now.\n\nIt won't ask you to sign right away, but clicking that link will allow you to open up and view the document. Only at the end will ask you to sign, which you don't have to do unless you are comfortable to do so. Okay? Yep. Now when it actually comes through the statement of advice, it has been prepared and tailored directly for you.\n\nAnd it is a recommendation, but it also means that it is completely up to you if you would like to go ahead with the recommendation or not at the end of the day. Yep. Now when you have a look through the documents, you will also see my details listed on the cover page. So you will see my authorized representative number listed, and I am licensed under Oku Financial. Now on page two, it talks a little bit about the best interest duty, which you may have heard before.\n\nBut, essentially, what it means is 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 can't actually make the recommendation. Does that make sense, David? Yep. Beautiful.\n\nNow today is pretty straightforward. What we are looking at today is your superannuation and your investment specifically within your superannuation. Not making any changes in regards to insurances or anything else. Literally just focusing on your superannuation today. Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through to oh, beautiful.\n\nYeah. So if you can scroll down to page 12 for me, you should see where it says strategy recommendation. And it says, David, retain your hub 24 and change your underlying investments. Can you see where I'm up to? Can you see where I'm up to?\n\nYes. So, basically, to make it easier, if you want to scroll down to page 15, I find it sometimes makes it a little bit easier because it outlines the actual recommendation in a table format. So what you just kind of scrolled past is just kind of talking in words, what I will go through with you now. I will have you let you have a read over that in your own time, But it basically talks about how the recommendation aligns with that best interest duty along with all the advantages, couple of disadvantages, some risks to be mindful of when it comes to the recommendation. Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible.\n\nI did also consider a couple of different industry funds. Now in the appendix, which I will go through with you later, I have included options for a similar table to the one you see in front of you comparing what I have recommended against Australia Super and also against HESTA so that you can actually see all the numbers and the outcomes in front of you. And when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement. But I will show you those tables as well so that you can actually see that comparison as well. Okay?\n\nNow when it comes to your investment, so that is basically what I have recommended that we change. So like I said, I also compared other, sophisticated platform similar to Hub 24 just to make sure it was still going to be the best option for you. And it's very competitive when it comes to the fees, investment choices, and flexibility with investment. So in Hub twenty four, you have hundreds of different investment options to choose from, which is how we can put together the investment portfolio and give you those returns. Now when it actually comes to the investments, you can see here that literally just by changing some of your investment, it is saving you about $460 a year in fees alone.\n\nTake 15 still. Yeah. Can you see that table still? Yes. Yeah.\n\nSo where is this the total cost? So kind of one, two, three, four four rows from the bottom. It says total cost, and you can see there the difference. So the difference column is then showing you the difference between it. Now by changing the investment fees, because that is the only thing we are doing, we're not changing contributions.\n\nWe're not changing insurances or anything like that. Literally, just the investments within hub twenty four. You can see that it is reducing your fees a little bit each year, which does make a bit of a difference. Sorry, David. It's just a little bit hard to hear you.\n\nWhat did you say there? So, basically, what I have recommended is just to change your investments and no other changes. So not changing your super fund, not changing contributions, not changing insurances. And the table you see on front of you shows you on page 15 the fee difference and the return with the changes in investments alone. So what it shows is it shows your total admin fees, your current admin fees, and the recommended.\n\nIt shows the change in the investment fees. So you can see that that has been reduced for you. Other fees is associated with hub twenty four, so that stays the same. And then the rest is your adviser fees, contributions, and insurances. So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table later on so you can see exactly which one I have recommended.\n\nOkay? Yep. Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average. So that is the five year rolling average, the return on your investment. It shows you your current portfolio in Hub '24, but it also then compares the the new recommended.\n\nAnd you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%. Now it might not look like it much, but it does compound. So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you. Does that make sense? Yeah.\n\nYeah. Yes. Yep. The adviser fee, the percentage stays the same, so there's no changes. The only reason why because it is a percentage of your balance, and this factors in the compounding return.\n\nSo we're not changing the fee structure. The percentage stays the same. The only reason why it looks to be a little bit more is because the new recommended portfolio is predicted to perform better than your current. Therefore, you will have more money in superannuation. And on a dollar figure, that amount will be higher because you have more money in super.\n\nThe percentage fee stays the same, though. Correct. These are all annual fees. Does that make sense? Yes.\n\nYep. So page 16, it then shows you five and ten years. So, basically, following up from the table you just saw, it is just compounding everything forward. Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see. Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change.\n\nSo we like to use a little bit longer time frame to give us that certainty, but I have also showed you the twelve month comparison, three years, five years, and ten year comparison. Okay? Yep. Now with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change. So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid.\n\nNow that is within superannuation, so you don't pay for anything yourself. You don't have to declare it. It is all within superannuation, but it is something I do wanna let you know. Now I've tried to minimize that as much as possible for you because I don't want you to have to pay any unnecessary tax tax and kinda minimize that. But it is estimated to be about $68 to make this investment change, and that is just tax paid for your change of investments.\n\nDoes that make sense? So capital the capital gains tax is estimated to be $68. Correct. Yes. For everything I have recommended, that would change.\n\nYes. So it is quite minimal, and, obviously, it can change as market prices and everything does change and fluctuate. So it can change a little bit. But, yes, it is estimated a total of $68. Now I did consider, obviously, moving to Australian super and HESTA and other options.\n\nAnd by doing so, we would have to obviously sell all your investments. And the capital gains tax by doing so would be around $4,659. So, obviously, way higher. So I've obviously tried to reduce that as much as I can and got it down through about $68. Correct.\n\nNo. Just in total. Because we're not doing a lot of changes for your investments. It's very minimal. Now what that looks like in terms of the investment change is then on page 17 for you, so the following page.\n\nLet me know if you can see that. Now what you can yeah. You can see that okay? Yep. Perfect.\n\nNow what you can see is you can see your current investment. You can see the investment name. You can also see the the special code associated with these investments, your current weight, so how much you currently have in each of these investments. You have them to buy and sell. So what is highlighted in red is what I have recommended that we sell or rebalance for you.\n\nThe target rate is how much we are aiming for when it comes to a percentage of the portfolio. And then the target balance, it's just the dollar value that represents their percentage target. Now with your investments, you can see here that there is only one investment that I have recommended that we completely sell out of and swap, and that is the first one. That is that Benelong Australian Equity. That's the one we kind of spoke a little bit about last time doing the annual review.\n\nDo you remember that as well? Yep. So I have recommended that we completely settle out of that one. And what we are doing instead is replacing it with the bottom one there, which is the beta shares Australia two hundred. Because we are changing one Australian investment, we wanted to make sure we still give you the diversification on having some investments in Australia.\n\nBut we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns. So the BetaShares Australia two hundred, it is a little bit more simplified investment than the Bennelong because Bennelong is that kind of active component where they are actively buying and selling different investments in order to try to outperform the market, and they can do that more frequently. They can outperform, which is great, which is what they had been doing and which is why it was recommended to you in the first place. So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently. And if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return.\n\nSo that is why I have recommended we change it to the BetaShares Australia two 100. Now that is the only new investment to your portfolio. All the others are just rebalancing. So you can see they are still keeping it in your portfolio. We're not completely selling out of it.\n\nIt is just to rebalance your portfolio. Basically, rebalancing, it is the process of making sure that your superannuation continues to be invested in coding with your investment strategy, which is that aggressive investor for you because you do wanna maximize that growth in super while you still have time until retirement. But what can happen over time is that market movement can cause some investments to go up, represent a larger portion of your portfolio, while others kind of become a little bit smaller. So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification. Does that make sense, David?\n\nYep. Perfect. So pretty straightforward with the investments. It is just swapping one for the other and rebalancing. Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like.\n\nAnd that is all of them. Okay? Yep. Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four. Not making any changes, obviously, as contributions and stuff goes in.\n\nThe minimum is 1.25% from your account, which we do wanna stick to. We don't want any more cash because that's going to obviously impact the growth of your investment. So literally just that minimum target. Now the next page, so page 19, you will have the proposed asset allocation. Can you see that pie chart on the table?\n\nYes. Yep. Now this one here basically shows you that aggressive risk profile. Now that is around a 100% in growth, not really focusing on any defensives, so no fixed interest or anything like that. It is mainly focusing on your growth investments, so your equity and property.\n\nNow it then shows you your existing portfolio, so how that is currently invested, and then it also shows the proposed portfolio. Now you can see here that the only defensive is the minimum cash balance associated with the hub twenty four. Everything else is then diversified into Australian equities, international equities, and property for you. Both portfolios do still align with your risk profile, though. So we're not making any changes to the level of risk.\n\nIt is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you. Yep. Now when it comes through the fee structure, so page 22. Now we did touch on this a little bit during the under review, but I do wanna just recap on it for you. There is no changes in regards to that fee structure.\n\nIt stays exactly the same at 1.65 from super. Now we do show you a yearly figure, but it is not a one off yearly fee coming out of your account. It is deducted on a monthly basis for you, and that is to make it more fair as well. Because it is a percentage of your balance and the market do tend to fluctuate, we are just deducting it on a monthly basis. But it also gives you the flexibility that if you are ever unhappy with the service or not sure what to do, you don't have to commit to a full twelve month and having to pay that one up fee.\n\nIt's just a monthly deduction. There's no lock in contract. There's no exit fees or cancellation fees if you are ever not happy with the service or you don't wanna continue. Okay? Yep.\n\nNow, basically, that summarizes the advice. So pretty straightforward. I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you. Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well. So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well.\n\nCan you see that? So it will be the next document. So it will be the next one. So it basically as you scroll through the end of the first one, you should then kind of stop scrolling where it says statement of advice again prepared for yourself. And there's, like, another cover page with some mountains.\n\nIf you keep scrolling, yes, or it should say next. Depends on sometimes how your phone is set up. And if you keep scrolling or press next, No? Okay. There's nothing there?\n\nOkay. What I might do, I'll I'll triple check with IT after the call and see. But if it's not there, what I will do is I will send you a separate email with that attachment. So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one. It is just for your reference to show you the research and the comparison.\n\nSo I will go and check with IT once I get off the phone just to see if that somehow wasn't included. And if so or if not, then I will just send you a separate email and attach those documents. Okay? Yep. Nothing right now.\n\nWhen you have a moment to have a look at it, though, if you are happy with the recommendation, which is to change those investments for you, I will then need you to the document that you are in, at the bottom of that document, it will ask you to sign. It will just be date and sign it, and that is if you are happy to remain a client and proceed with those investments. Now there is also a text box, and that text box allows you to type. So if it is that you don't wanna go ahead like, you you want to stay on as a client, but you don't wanna go ahead with one of the changes or the rebalance or anything like that, there is a free type box which allows you to type anything as well. Yep.\n\nYep. Yep. And that's okay. Okay. Beautiful.\n\nNow like I said there, David, as well, I will send you I'll check with IT, but I will also otherwise send you that document, which is the appendix. Now with the appendix is where you can then find those investment links through the investments if you wanted to go and have a bit of a read over it. And you can also see that comparison that I did consider Australian Super, along with HESTA. When I did look at the option, the most aggressive investment options they have is a high growth portfolio. So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find.\n\nAnd the difference in the balance when you have a look at it, that would be the capital gains tax. If you were to say, no. Wanna leave hub 24 and, for example, leave and go to. The capital gains tax would then be about 4,951. And when I consider the capital gains tax along with the fees, as long as that I along with that I couldn't achieve the same return, it wouldn't put you in as good of a position, and therefore, I did not recommend it at this time.\n\nDoes that make sense? Yep. Perfect. Now I will send you through this document as well so that you have everything. But, otherwise, like I said, take your time and read over the document.\n\nIf you have any questions, let me know. Otherwise, if you do have a read through everything and you are happy to go ahead, it will just ask for that signature. It should then send it back to me automatically, and that lets me know that you are happy to proceed. Okay? Yep.\n\nPerfect. Correct. Yes. You will have it within the next thirty minutes. Yep.\n\nNo worries. If there's anything else you need, though, David, at any point in time, don't hesitate to give me a call. Okay? No worries. You enjoy the rest of your afternoon.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.02558542788028717},{"text":"Oh, yeah.","start":5.3599997,"end":6.08,"sentiment":"positive","sentiment_score":0.38114556670188904},{"text":"Perfect.","start":6.08,"end":6.58,"sentiment":"positive","sentiment_score":0.7183136940002441},{"text":"Just let me get everything up for him.","start":6.72,"end":9.22,"sentiment":"positive","sentiment_score":0.5204630382359028},{"text":"How does he sound?","start":11.679999,"end":12.48,"sentiment":"neutral","sentiment_score":0.09669732674956322}],"sentiment":"positive","sentiment_score":0.37854274176061153,"num_words":16,"start":0.88,"end":12.48},{"sentences":[{"text":"Because he's always a little bit.","start":12.48,"end":14.099999,"sentiment":"neutral","sentiment_score":0.04404810629785061},{"text":"Yeah.","start":17.215,"end":17.715,"sentiment":"neutral","sentiment_score":0.00928585510700941},{"text":"Yeah.","start":18.814999,"end":19.295,"sentiment":"neutral","sentiment_score":0.02439129911363125},{"text":"Oh.","start":19.295,"end":19.795,"sentiment":"neutral","sentiment_score":0.04752042889595032},{"text":"Yep.","start":30.51,"end":30.99,"sentiment":"neutral","sentiment_score":0.009018098935484886}],"sentiment":"neutral","sentiment_score":0.03545043198391795,"num_words":10,"start":12.48,"end":30.99},{"sentences":[{"text":"No.","start":30.99,"end":31.31,"sentiment":"neutral","sentiment_score":-0.08124910295009613},{"text":"It definitely has.","start":31.31,"end":32.69,"sentiment":"neutral","sentiment_score":-0.05867595598101616},{"text":"Okay.","start":34.43,"end":34.83,"sentiment":"neutral","sentiment_score":0.0931197702884674},{"text":"Let me have a look.","start":34.83,"end":36.45,"sentiment":"neutral","sentiment_score":0.09333158731460571},{"text":"And he's past security, and he's all good.","start":38.925003,"end":41.345,"sentiment":"neutral","sentiment_score":0.14249733462929726}],"sentiment":"neutral","sentiment_score":0.0801377451668183,"num_words":18,"start":30.99,"end":41.345},{"sentences":[{"text":"Perfect.","start":43.805,"end":44.305,"sentiment":"positive","sentiment_score":0.3811110854148865},{"text":"Well, you can send him through when you're ready.","start":44.845,"end":47.585,"sentiment":"neutral","sentiment_score":0.23863281475173104},{"text":"Good afternoon, David.","start":55.100002,"end":56.14,"sentiment":"neutral","sentiment_score":0.23081088066101074},{"text":"This is Veronica from Achieve Financial.","start":56.14,"end":58.08,"sentiment":"neutral","sentiment_score":0.18726141999165216},{"text":"How are you?","start":58.22,"end":59.04,"sentiment":"neutral","sentiment_score":0.13801788041989008}],"sentiment":"neutral","sentiment_score":0.2163118736987764,"num_words":22,"start":43.805,"end":59.04},{"sentences":[{"text":"Hello?","start":64.555,"end":64.955,"sentiment":"neutral","sentiment_score":0.015216042287647724},{"text":"Can you hear me?","start":64.955,"end":65.855,"sentiment":"neutral","sentiment_score":0.002661190228536725},{"text":"Yeah.","start":71.354996,"end":71.755,"sentiment":"neutral","sentiment_score":0.016173943877220154},{"text":"David, can you hear me?","start":71.755,"end":73.135,"sentiment":"neutral","sentiment_score":0.009762125089764595},{"text":"Yeah.","start":74.715,"end":75.035,"sentiment":"neutral","sentiment_score":0.07626458257436752}],"sentiment":"neutral","sentiment_score":0.013925829591850439,"num_words":12,"start":64.555,"end":75.035},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":75.035,"end":77.695,"sentiment":"neutral","sentiment_score":0.10503003125389417},{"text":"How are you?","start":77.835,"end":78.655,"sentiment":"neutral","sentiment_score":0.11840094377597173},{"text":"Yeah.","start":81.170006,"end":81.490005,"sentiment":"neutral","sentiment_score":0.25715234875679016},{"text":"Good.","start":81.490005,"end":81.89,"sentiment":"positive","sentiment_score":0.44675153493881226},{"text":"Thanks for returning my callback.","start":81.89,"end":83.670006,"sentiment":"positive","sentiment_score":0.5634935855865478}],"sentiment":"neutral","sentiment_score":0.28167217690497637,"num_words":16,"start":75.035,"end":83.670006},{"sentences":[{"text":"I had you booked in after our last conversation.","start":89.73,"end":92.975,"sentiment":"neutral","sentiment_score":0.1181241985824373},{"text":"I was reviewing your super investments to see if we could reduce some fees a little bit for you and also consider a couple of other industry funds to see what was going to be the best option for your superannuation moving forward.","start":94.314995,"end":107.93,"sentiment":"neutral","sentiment_score":0.17029204202252765},{"text":"Do you remember that conversation?","start":107.93,"end":109.31,"sentiment":"neutral","sentiment_score":0.016547457501292228},{"text":"Yep.","start":110.97,"end":111.45,"sentiment":"neutral","sentiment_score":0.0841967910528183},{"text":"Perfect.","start":111.45,"end":111.85,"sentiment":"neutral","sentiment_score":0.2248184084892273}],"sentiment":"neutral","sentiment_score":0.14876996747896834,"num_words":59,"start":89.73,"end":111.85},{"sentences":[{"text":"And do you have time to go through that now?","start":111.85,"end":114.11,"sentiment":"neutral","sentiment_score":0.08411779887974262},{"text":"Yep.","start":115.369995,"end":115.695,"sentiment":"neutral","sentiment_score":0.05666555464267731},{"text":"Perfect.","start":116.015,"end":116.515,"sentiment":"neutral","sentiment_score":0.17431305348873138},{"text":"Now, David, do you have access to your emails at the moment?","start":116.975,"end":120.595,"sentiment":"neutral","sentiment_score":0.027287722565233707},{"text":"Okay.","start":124.255,"end":124.755,"sentiment":"neutral","sentiment_score":-0.03239470347762108}],"sentiment":"neutral","sentiment_score":0.05468858256936073,"num_words":25,"start":111.85,"end":124.755},{"sentences":[{"text":"It's no.","start":127.295,"end":131.26001,"sentiment":"neutral","sentiment_score":-0.0420808382332325},{"text":"That's okay.","start":131.26001,"end":132.24,"sentiment":"neutral","sentiment_score":-0.004936542507493869},{"text":"What I can do so what I have done is I have just sent you an email with the recommendation.","start":132.86,"end":138.08,"sentiment":"neutral","sentiment_score":0.2273459739983082},{"text":"But what I can do is I can just kind of quickly go through the main points with you.","start":139.42,"end":144.145,"sentiment":"neutral","sentiment_score":0.21571595417825798},{"text":"Then later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document.","start":144.44499,"end":152.125,"sentiment":"neutral","sentiment_score":0.18863385228010324}],"sentiment":"neutral","sentiment_score":0.19501402908919271,"num_words":69,"start":127.295,"end":152.125},{"sentences":[{"text":"And if you then have any other questions for me, we can always book in another catch up.","start":152.125,"end":157.51,"sentiment":"neutral","sentiment_score":0.2296465030974812},{"text":"Would that be okay with you?","start":157.51,"end":158.77,"sentiment":"neutral","sentiment_score":0.19438261787096658},{"text":"Yep.","start":159.63,"end":160.13,"sentiment":"positive","sentiment_score":0.4542192220687866},{"text":"Perfect.","start":160.35,"end":160.85,"sentiment":"positive","sentiment_score":0.6629767417907715},{"text":"Now when you do get to the email, it will ask you to click on the link where it says sign now.","start":161.63,"end":168.85,"sentiment":"neutral","sentiment_score":0.18407262116670609}],"sentiment":"neutral","sentiment_score":0.21805679984390736,"num_words":48,"start":152.125,"end":168.85},{"sentences":[{"text":"It won't ask you to sign right away, but clicking that link will allow you to open up and view the document.","start":169.325,"end":175.745,"sentiment":"neutral","sentiment_score":0.14465651119297201},{"text":"Only at the end will ask you to sign, which you don't have to do unless you are comfortable to do so.","start":176.44499,"end":181.405,"sentiment":"neutral","sentiment_score":0.04498878095976331},{"text":"Okay?","start":181.405,"end":181.905,"sentiment":"neutral","sentiment_score":0.06743701547384262},{"text":"Yep.","start":183.53,"end":184.03,"sentiment":"neutral","sentiment_score":0.14314523339271543},{"text":"Now when it actually comes through the statement of advice, it has been prepared and tailored directly for you.","start":184.56999,"end":192.18999,"sentiment":"neutral","sentiment_score":0.15302082347242454}],"sentiment":"neutral","sentiment_score":0.11215652803388926,"num_words":65,"start":169.325,"end":192.18999},{"sentences":[{"text":"And it is a recommendation, but it also means that it is completely up to you if you would like to go ahead with the recommendation or not at the end of the day.","start":192.81,"end":202.405,"sentiment":"neutral","sentiment_score":0.08617730876978706},{"text":"Yep.","start":204.145,"end":204.645,"sentiment":"neutral","sentiment_score":0.05740747973322868},{"text":"Now when you have a look through the documents, you will also see my details listed on the cover page.","start":205.025,"end":210.99,"sentiment":"neutral","sentiment_score":0.06523752678185701},{"text":"So you will see my authorized representative number listed, and I am licensed under Oku Financial.","start":210.99,"end":217.65001,"sentiment":"neutral","sentiment_score":0.07523424923419952},{"text":"Now on page two, it talks a little bit about the best interest duty, which you may have heard before.","start":218.83,"end":226.29001,"sentiment":"neutral","sentiment_score":0.0139386635273695}],"sentiment":"neutral","sentiment_score":0.06345832716305178,"num_words":91,"start":192.81,"end":226.29001},{"sentences":[{"text":"But, essentially, what it means is 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":226.905,"end":238.84499,"sentiment":"neutral","sentiment_score":0.061063777551882796},{"text":"Otherwise, we can't actually make the recommendation.","start":239.35,"end":241.53,"sentiment":"neutral","sentiment_score":-0.11829633904354912},{"text":"Does that make sense, David?","start":241.99,"end":243.29001,"sentiment":"neutral","sentiment_score":0.04768879786133766},{"text":"Yep.","start":244.71,"end":245.19,"sentiment":"neutral","sentiment_score":0.1758202612400055},{"text":"Beautiful.","start":245.19,"end":245.69,"sentiment":"positive","sentiment_score":0.6127545833587646}],"sentiment":"neutral","sentiment_score":0.047944809049367904,"num_words":50,"start":226.905,"end":245.69},{"sentences":[{"text":"Now today is pretty straightforward.","start":246.07,"end":248.41,"sentiment":"positive","sentiment_score":0.45510199666023254},{"text":"What we are looking at today is your superannuation and your investment specifically within your superannuation.","start":249.75,"end":256.98502,"sentiment":"neutral","sentiment_score":0.1886161621659994},{"text":"Not making any changes in regards to insurances or anything else.","start":258.48502,"end":262.565,"sentiment":"neutral","sentiment_score":-0.017226076261563736},{"text":"Literally just focusing on your superannuation today.","start":262.565,"end":265.545,"sentiment":"neutral","sentiment_score":0.21361822528498514},{"text":"Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through to oh, beautiful.","start":267.75,"end":283.455,"sentiment":"neutral","sentiment_score":0.2970121232447801}],"sentiment":"neutral","sentiment_score":0.2214929794497562,"num_words":66,"start":246.07,"end":283.455},{"sentences":[{"text":"Yeah.","start":283.915,"end":284.415,"sentiment":"neutral","sentiment_score":0.29903271794319153},{"text":"So if you can scroll down to page 12 for me, you should see where it says strategy recommendation.","start":284.795,"end":290.575,"sentiment":"neutral","sentiment_score":0.12852623548946882},{"text":"And it says, David, retain your hub 24 and change your underlying investments.","start":291.675,"end":294.9461,"sentiment":"neutral","sentiment_score":0.09436487864989501},{"text":"Can you see where I'm up to?","start":294.9461,"end":295.695,"sentiment":"neutral","sentiment_score":0.08082217457039016},{"text":"Can you see where I'm up to?","start":296.92,"end":298.7,"sentiment":"neutral","sentiment_score":0.059941990567105155}],"sentiment":"neutral","sentiment_score":0.10538561214157875,"num_words":47,"start":283.915,"end":298.7},{"sentences":[{"text":"Yes.","start":305.96002,"end":306.46002,"sentiment":"neutral","sentiment_score":0.16337621212005615},{"text":"So, basically, to make it easier, if you want to scroll down to page 15, I find it sometimes makes it a little bit easier because it outlines the actual recommendation in a table format.","start":308.44,"end":326.33502,"sentiment":"neutral","sentiment_score":0.29527125699179513},{"text":"So what you just kind of scrolled past is just kind of talking in words, what I will go through with you now.","start":327.24,"end":335.26,"sentiment":"neutral","sentiment_score":0.10896836739519368},{"text":"I will have you let you have a read over that in your own time, But it basically talks about how the recommendation aligns with that best interest duty along with all the advantages, couple of disadvantages, some risks to be mindful of when it comes to the recommendation.","start":335.48,"end":352.77502,"sentiment":"neutral","sentiment_score":0.1681300787901392},{"text":"Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible.","start":354.27,"end":364.53,"sentiment":"neutral","sentiment_score":0.26779851432030016}],"sentiment":"neutral","sentiment_score":0.21048714843258928,"num_words":134,"start":305.96002,"end":364.53},{"sentences":[{"text":"I did also consider a couple of different industry funds.","start":365.23,"end":369.765,"sentiment":"neutral","sentiment_score":0.1582658089697361},{"text":"Now in the appendix, which I will go through with you later, I have included options for a similar table to the one you see in front of you comparing what I have recommended against Australia Super and also against HESTA so that you can actually see all the numbers and the outcomes in front of you.","start":369.765,"end":392.37,"sentiment":"neutral","sentiment_score":0.2966568911807579},{"text":"And when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement.","start":392.99002,"end":408.38498,"sentiment":"neutral","sentiment_score":0.3328573031480922},{"text":"But I will show you those tables as well so that you can actually see that comparison as well.","start":408.525,"end":413.00497,"sentiment":"neutral","sentiment_score":0.306361690947884},{"text":"Okay?","start":413.00497,"end":413.50497,"sentiment":"neutral","sentiment_score":0.09351132810115814}],"sentiment":"neutral","sentiment_score":0.29784114137291906,"num_words":130,"start":365.23,"end":413.50497},{"sentences":[{"text":"Now when it comes to your investment, so that is basically what I have recommended that we change.","start":417.38998,"end":423.09,"sentiment":"neutral","sentiment_score":0.11286978671948115},{"text":"So like I said, I also compared other, sophisticated platform similar to Hub 24 just to make sure it was still going to be the best option for you.","start":423.55,"end":433.215,"sentiment":"neutral","sentiment_score":0.26283587977803985},{"text":"And it's very competitive when it comes to the fees, investment choices, and flexibility with investment.","start":433.435,"end":440.255,"sentiment":"positive","sentiment_score":0.7734688371419907},{"text":"So in Hub twenty four, you have hundreds of different investment options to choose from, which is how we can put together the investment portfolio and give you those returns.","start":441.115,"end":450.8,"sentiment":"positive","sentiment_score":0.6079675247271855},{"text":"Now when it actually comes to the investments, you can see here that literally just by changing some of your investment, it is saving you about $460 a year in fees alone.","start":452.46,"end":468.345,"sentiment":"positive","sentiment_score":0.48749963007867336}],"sentiment":"positive","sentiment_score":0.44694729578495024,"num_words":125,"start":417.38998,"end":468.345},{"sentences":[{"text":"Take 15 still.","start":469.685,"end":471.065,"sentiment":"neutral","sentiment_score":0.04402626740435759},{"text":"Yeah.","start":473.54,"end":474.04,"sentiment":"neutral","sentiment_score":0.06736157089471817},{"text":"Can you see that table still?","start":475.22,"end":476.84,"sentiment":"neutral","sentiment_score":0.05133143377800783},{"text":"Yes.","start":478.42,"end":478.9,"sentiment":"neutral","sentiment_score":0.0650307685136795},{"text":"Yeah.","start":478.9,"end":479.30002,"sentiment":"neutral","sentiment_score":0.052987512201070786}],"sentiment":"neutral","sentiment_score":0.05212060470754901,"num_words":12,"start":469.685,"end":479.30002},{"sentences":[{"text":"So where is this the total cost?","start":479.30002,"end":481.4,"sentiment":"neutral","sentiment_score":0.05484750733843872},{"text":"So kind of one, two, three, four four rows from the bottom.","start":482.02002,"end":486.28,"sentiment":"neutral","sentiment_score":0.047884102910757065},{"text":"It says total cost, and you can see there the difference.","start":486.57498,"end":490.275,"sentiment":"neutral","sentiment_score":0.06258675185116855},{"text":"So the difference column is then showing you the difference between it.","start":490.975,"end":495.155,"sentiment":"neutral","sentiment_score":0.07266675463567178},{"text":"Now by changing the investment fees, because that is the only thing we are doing, we're not changing contributions.","start":495.695,"end":500.995,"sentiment":"neutral","sentiment_score":0.08134464645072033}],"sentiment":"neutral","sentiment_score":0.06663189171889766,"num_words":61,"start":479.30002,"end":500.995},{"sentences":[{"text":"We're not changing insurances or anything like that.","start":501.29498,"end":504.85,"sentiment":"neutral","sentiment_score":0.0010215474758297205},{"text":"Literally, just the investments within hub twenty four.","start":504.85,"end":507.99,"sentiment":"positive","sentiment_score":0.35788675025105476},{"text":"You can see that it is reducing your fees a little bit each year, which does make a bit of a difference.","start":508.21,"end":514.31,"sentiment":"positive","sentiment_score":0.4655198129740628},{"text":"Sorry, David.","start":533.74,"end":534.38,"sentiment":"negative","sentiment_score":-0.34941326081752777},{"text":"It's just a little bit hard to hear you.","start":534.38,"end":535.98,"sentiment":"negative","sentiment_score":-0.4705604712168376}],"sentiment":"neutral","sentiment_score":0.16691492866648702,"num_words":49,"start":501.29498,"end":535.98},{"sentences":[{"text":"What did you say there?","start":535.98,"end":537.12,"sentiment":"neutral","sentiment_score":-0.2471895694732666},{"text":"So, basically, what I have recommended is just to change your investments and no other changes.","start":552.09,"end":557.13,"sentiment":"neutral","sentiment_score":-0.032124748919159174},{"text":"So not changing your super fund, not changing contributions, not changing insurances.","start":557.13,"end":562.27,"sentiment":"neutral","sentiment_score":-0.02886928493777911},{"text":"And the table you see on front of you shows you on page 15 the fee difference and the return with the changes in investments alone.","start":562.89,"end":575.775,"sentiment":"neutral","sentiment_score":0.10864645214034961},{"text":"So what it shows is it shows your total admin fees, your current admin fees, and the recommended.","start":576.315,"end":581.535,"sentiment":"neutral","sentiment_score":0.14289232302043173}],"sentiment":"neutral","sentiment_score":0.04286356260637184,"num_words":77,"start":535.98,"end":581.535},{"sentences":[{"text":"It shows the change in the investment fees.","start":582.3,"end":585.2,"sentiment":"neutral","sentiment_score":0.1752021061256528},{"text":"So you can see that that has been reduced for you.","start":585.58,"end":588.64,"sentiment":"positive","sentiment_score":0.3384127752347426},{"text":"Other fees is associated with hub twenty four, so that stays the same.","start":589.10004,"end":593.68,"sentiment":"neutral","sentiment_score":0.16217726927537185},{"text":"And then the rest is your adviser fees, contributions, and insurances.","start":594.875,"end":600.655,"sentiment":"neutral","sentiment_score":0.07431894303722815},{"text":"So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table later on so you can see exactly which one I have recommended.","start":601.515,"end":614.4,"sentiment":"neutral","sentiment_score":0.08260915419086814}],"sentiment":"neutral","sentiment_score":0.13679923395435495,"num_words":83,"start":582.3,"end":614.4},{"sentences":[{"text":"Okay?","start":614.46,"end":614.96,"sentiment":"neutral","sentiment_score":0.09291739761829376},{"text":"Yep.","start":616.62,"end":617.12,"sentiment":"neutral","sentiment_score":0.2218174189329147},{"text":"Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average.","start":617.58,"end":627.715,"sentiment":"neutral","sentiment_score":0.20450836482147375},{"text":"So that is the five year rolling average, the return on your investment.","start":628.17505,"end":632.59503,"sentiment":"neutral","sentiment_score":0.30439969782645887},{"text":"It shows you your current portfolio in Hub '24, but it also then compares the the new recommended.","start":633.6,"end":641.7,"sentiment":"neutral","sentiment_score":0.32634598430660033}],"sentiment":"neutral","sentiment_score":0.26411156774612893,"num_words":57,"start":614.46,"end":641.7},{"sentences":[{"text":"And you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%.","start":642.64,"end":654.735,"sentiment":"positive","sentiment_score":0.5844743807207454},{"text":"Now it might not look like it much, but it does compound.","start":655.355,"end":658.89496,"sentiment":"neutral","sentiment_score":0.19545236291984716},{"text":"So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you.","start":659.115,"end":674.22,"sentiment":"neutral","sentiment_score":0.2704650107771158},{"text":"Does that make sense?","start":678.135,"end":679.355,"sentiment":"neutral","sentiment_score":0.13251717574894428},{"text":"Yeah.","start":680.935,"end":681.435,"sentiment":"neutral","sentiment_score":0.0698145255446434}],"sentiment":"positive","sentiment_score":0.34448772259581256,"num_words":71,"start":642.64,"end":681.435},{"sentences":[{"text":"Yeah.","start":683.735,"end":684.235,"sentiment":"neutral","sentiment_score":0.04434739798307419},{"text":"Yes.","start":695.11005,"end":695.61005,"sentiment":"neutral","sentiment_score":0.0038552498444914818},{"text":"Yep.","start":700.79004,"end":701.29004,"sentiment":"neutral","sentiment_score":0.02060724049806595},{"text":"The adviser fee, the percentage stays the same, so there's no changes.","start":704.57495,"end":709.63495,"sentiment":"neutral","sentiment_score":0.06985407850394647},{"text":"The only reason why because it is a percentage of your balance, and this factors in the compounding return.","start":710.33496,"end":717.79,"sentiment":"neutral","sentiment_score":0.05372767385683561}],"sentiment":"neutral","sentiment_score":0.05670248922508429,"num_words":34,"start":683.735,"end":717.79},{"sentences":[{"text":"So we're not changing the fee structure.","start":718.25,"end":720.83,"sentiment":"neutral","sentiment_score":-0.10226318772350039},{"text":"The percentage stays the same.","start":720.89,"end":723.07,"sentiment":"neutral","sentiment_score":0.06073136776685715},{"text":"The only reason why it looks to be a little bit more is because the new recommended portfolio is predicted to perform better than your current.","start":723.45,"end":734.195,"sentiment":"neutral","sentiment_score":0.26640988829044193},{"text":"Therefore, you will have more money in superannuation.","start":734.495,"end":736.995,"sentiment":"neutral","sentiment_score":0.2669097315520048},{"text":"And on a dollar figure, that amount will be higher because you have more money in super.","start":737.775,"end":743.395,"sentiment":"neutral","sentiment_score":0.12106986124725903}],"sentiment":"neutral","sentiment_score":0.16996725577683675,"num_words":63,"start":718.25,"end":743.395},{"sentences":[{"text":"The percentage fee stays the same, though.","start":743.81,"end":746.79,"sentiment":"neutral","sentiment_score":-0.0007777011820248195},{"text":"Correct.","start":746.85,"end":747.35,"sentiment":"neutral","sentiment_score":0.04945673793554306},{"text":"These are all annual fees.","start":751.08997,"end":752.70996,"sentiment":"neutral","sentiment_score":0.04375606328248978},{"text":"Does that make sense?","start":755.32996,"end":756.47,"sentiment":"neutral","sentiment_score":0.0605767909437418},{"text":"Yes.","start":758.375,"end":758.875,"sentiment":"neutral","sentiment_score":0.12320085614919662}],"sentiment":"neutral","sentiment_score":0.03490562033322123,"num_words":18,"start":743.81,"end":758.875},{"sentences":[{"text":"Yep.","start":759.33496,"end":759.815,"sentiment":"neutral","sentiment_score":0.14134302735328674},{"text":"So page 16, it then shows you five and ten years.","start":759.815,"end":763.415,"sentiment":"neutral","sentiment_score":0.13156419856981796},{"text":"So, basically, following up from the table you just saw, it is just compounding everything forward.","start":763.415,"end":769.675,"sentiment":"neutral","sentiment_score":0.1837046230211854},{"text":"Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see.","start":770.18,"end":779.8,"sentiment":"neutral","sentiment_score":0.18456119298934937},{"text":"Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change.","start":780.01996,"end":790.765,"sentiment":"neutral","sentiment_score":0.24222636421521504}],"sentiment":"neutral","sentiment_score":0.19723636639672656,"num_words":86,"start":759.33496,"end":790.765},{"sentences":[{"text":"So we like to use a little bit longer time frame to give us that certainty, but I have also showed you the twelve month comparison, three years, five years, and ten year comparison.","start":790.765,"end":803.25,"sentiment":"neutral","sentiment_score":0.11955830257605105},{"text":"Okay?","start":803.39,"end":803.89,"sentiment":"neutral","sentiment_score":0.07828395068645477},{"text":"Yep.","start":805.79,"end":806.29,"sentiment":"neutral","sentiment_score":0.06577028334140778},{"text":"Now with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change.","start":806.67,"end":825.92,"sentiment":"neutral","sentiment_score":-0.1786480696648237},{"text":"So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid.","start":825.92,"end":837.42505,"sentiment":"negative","sentiment_score":-0.36423446348419897}],"sentiment":"neutral","sentiment_score":-0.1229101053437928,"num_words":101,"start":790.765,"end":837.42505},{"sentences":[{"text":"Now that is within superannuation, so you don't pay for anything yourself.","start":837.885,"end":842.205,"sentiment":"neutral","sentiment_score":-0.037688068890323244},{"text":"You don't have to declare it.","start":842.205,"end":843.825,"sentiment":"neutral","sentiment_score":-0.03263950146113833},{"text":"It is all within superannuation, but it is something I do wanna let you know.","start":843.885,"end":848.94,"sentiment":"neutral","sentiment_score":0.10438154737154642},{"text":"Now I've tried to minimize that as much as possible for you because I don't want you to have to pay any unnecessary tax tax and kinda minimize that.","start":849.42,"end":858.8,"sentiment":"neutral","sentiment_score":0.04162853879147563},{"text":"But it is estimated to be about $68 to make this investment change, and that is just tax paid for your change of investments.","start":859.1,"end":869.34503,"sentiment":"neutral","sentiment_score":0.0827854194988807}],"sentiment":"neutral","sentiment_score":0.04781054730288858,"num_words":86,"start":837.885,"end":869.34503},{"sentences":[{"text":"Does that make sense?","start":869.885,"end":871.10504,"sentiment":"neutral","sentiment_score":0.04624677449464798},{"text":"So capital the capital gains tax is estimated to be $68.","start":882.22,"end":886.32,"sentiment":"neutral","sentiment_score":-0.07743839174509048},{"text":"Correct.","start":888.62,"end":889.12,"sentiment":"neutral","sentiment_score":0.12459800392389296},{"text":"Yes.","start":889.33997,"end":889.83997,"sentiment":"neutral","sentiment_score":0.14534835517406464},{"text":"For everything I have recommended, that would change.","start":892.445,"end":894.28503,"sentiment":"neutral","sentiment_score":0.10037330072373152}],"sentiment":"neutral","sentiment_score":0.016243902146816255,"num_words":25,"start":869.885,"end":894.28503},{"sentences":[{"text":"Yes.","start":894.28503,"end":894.78503,"sentiment":"neutral","sentiment_score":0.07150855660438538},{"text":"So it is quite minimal, and, obviously, it can change as market prices and everything does change and fluctuate.","start":895.005,"end":901.425,"sentiment":"neutral","sentiment_score":-0.0679477010118334},{"text":"So it can change a little bit.","start":902.205,"end":904.02,"sentiment":"neutral","sentiment_score":-0.09841529386384147},{"text":"But, yes, it is estimated a total of $68.","start":904.18,"end":907.96,"sentiment":"neutral","sentiment_score":0.014937064299980799},{"text":"Now I did consider, obviously, moving to Australian super and HESTA and other options.","start":908.9,"end":914.68,"sentiment":"neutral","sentiment_score":-0.01821097669640689}],"sentiment":"neutral","sentiment_score":-0.04057849829434417,"num_words":50,"start":894.28503,"end":914.68},{"sentences":[{"text":"And by doing so, we would have to obviously sell all your investments.","start":915.30005,"end":918.92004,"sentiment":"neutral","sentiment_score":-0.061011748818250805},{"text":"And the capital gains tax by doing so would be around $4,659.","start":919.96497,"end":927.665,"sentiment":"neutral","sentiment_score":-0.21289603970944881},{"text":"So, obviously, way higher.","start":927.96497,"end":929.165,"sentiment":"neutral","sentiment_score":-0.30492185801267624},{"text":"So I've obviously tried to reduce that as much as I can and got it down through about $68.","start":929.165,"end":934.785,"sentiment":"neutral","sentiment_score":-0.10958120462141539},{"text":"Correct.","start":939.81995,"end":940.31995,"sentiment":"neutral","sentiment_score":-0.004532277584075928}],"sentiment":"neutral","sentiment_score":-0.13579934303249633,"num_words":49,"start":915.30005,"end":940.31995},{"sentences":[{"text":"No.","start":941.18,"end":941.57996,"sentiment":"neutral","sentiment_score":-0.30553609132766724},{"text":"Just in total.","start":941.57996,"end":942.56,"sentiment":"neutral","sentiment_score":-0.2741570472717285},{"text":"Because we're not doing a lot of changes for your investments.","start":942.94,"end":945.6,"sentiment":"negative","sentiment_score":-0.5270455289970745},{"text":"It's very minimal.","start":945.66,"end":946.72,"sentiment":"negative","sentiment_score":-0.4053771545489629},{"text":"Now what that looks like in terms of the investment change is then on page 17 for you, so the following page.","start":950.395,"end":957.935,"sentiment":"neutral","sentiment_score":0.01416043992238966}],"sentiment":"neutral","sentiment_score":-0.1957527459366247,"num_words":40,"start":941.18,"end":957.935},{"sentences":[{"text":"Let me know if you can see that.","start":959.61,"end":961.39,"sentiment":"neutral","sentiment_score":0.02581658004783094},{"text":"Now what you can yeah.","start":961.53,"end":963.93,"sentiment":"neutral","sentiment_score":0.04291449636220932},{"text":"You can see that okay?","start":963.93,"end":965.07,"sentiment":"neutral","sentiment_score":0.07876545339822769},{"text":"Yep.","start":966.49,"end":966.97003,"sentiment":"neutral","sentiment_score":0.23326405882835388},{"text":"Perfect.","start":966.97003,"end":967.47003,"sentiment":"positive","sentiment_score":0.5343620181083679}],"sentiment":"neutral","sentiment_score":0.07912792330607772,"num_words":20,"start":959.61,"end":967.47003},{"sentences":[{"text":"Now what you can see is you can see your current investment.","start":967.69,"end":970.91003,"sentiment":"neutral","sentiment_score":0.16943318831423917},{"text":"You can see the investment name.","start":970.97003,"end":972.91003,"sentiment":"neutral","sentiment_score":0.10310592874884605},{"text":"You can also see the the special code associated with these investments, your current weight, so how much you currently have in each of these investments.","start":973.635,"end":984.61505,"sentiment":"neutral","sentiment_score":0.07138039637356997},{"text":"You have them to buy and sell.","start":985.47504,"end":987.575,"sentiment":"neutral","sentiment_score":0.03084526610161577},{"text":"So what is highlighted in red is what I have recommended that we sell or rebalance for you.","start":987.93,"end":996.59,"sentiment":"neutral","sentiment_score":0.0729732374764151}],"sentiment":"neutral","sentiment_score":0.08749506196034128,"num_words":69,"start":967.69,"end":996.59},{"sentences":[{"text":"The target rate is how much we are aiming for when it comes to a percentage of the portfolio.","start":997.13,"end":1002.91,"sentiment":"neutral","sentiment_score":0.03387004813473476},{"text":"And then the target balance, it's just the dollar value that represents their percentage target.","start":1003.785,"end":1009.725,"sentiment":"neutral","sentiment_score":0.029079291969537735},{"text":"Now with your investments, you can see here that there is only one investment that I have recommended that we completely sell out of and swap, and that is the first one.","start":1010.505,"end":1023.42004,"sentiment":"neutral","sentiment_score":-0.023607381037436426},{"text":"That is that Benelong Australian Equity.","start":1023.42004,"end":1026.0801,"sentiment":"neutral","sentiment_score":0.01573426726584633},{"text":"That's the one we kind of spoke a little bit about last time doing the annual review.","start":1026.22,"end":1030.22,"sentiment":"neutral","sentiment_score":-0.004185812958680531}],"sentiment":"neutral","sentiment_score":0.0039048413955344915,"num_words":89,"start":997.13,"end":1030.22},{"sentences":[{"text":"Do you remember that as well?","start":1030.22,"end":1031.68,"sentiment":"neutral","sentiment_score":-0.0008496016574402653},{"text":"Yep.","start":1033.1549,"end":1033.635,"sentiment":"neutral","sentiment_score":0.004045578651130199},{"text":"So I have recommended that we completely settle out of that one.","start":1033.635,"end":1037.095,"sentiment":"neutral","sentiment_score":-0.056198127257327236},{"text":"And what we are doing instead is replacing it with the bottom one there, which is the beta shares Australia two hundred.","start":1037.1549,"end":1045.975,"sentiment":"neutral","sentiment_score":0.026005609807643024},{"text":"Because we are changing one Australian investment, we wanted to make sure we still give you the diversification on having some investments in Australia.","start":1046.7,"end":1056.96,"sentiment":"neutral","sentiment_score":0.10297335234160225}],"sentiment":"neutral","sentiment_score":0.036431604824387114,"num_words":65,"start":1030.22,"end":1056.96},{"sentences":[{"text":"But we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns.","start":1057.82,"end":1065.3351,"sentiment":"neutral","sentiment_score":0.11960456795666528},{"text":"So the BetaShares Australia two hundred, it is a little bit more simplified investment than the Bennelong because Bennelong is that kind of active component where they are actively buying and selling different investments in order to try to outperform the market, and they can do that more frequently.","start":1065.795,"end":1083.0,"sentiment":"neutral","sentiment_score":0.194991941658818},{"text":"They can outperform, which is great, which is what they had been doing and which is why it was recommended to you in the first place.","start":1083.7001,"end":1090.12,"sentiment":"positive","sentiment_score":0.4709049486196958},{"text":"So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently.","start":1090.445,"end":1095.825,"sentiment":"negative","sentiment_score":-0.39213342057621997},{"text":"And if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return.","start":1096.285,"end":1104.465,"sentiment":"neutral","sentiment_score":0.16368483084029165}],"sentiment":"neutral","sentiment_score":0.1351788685967525,"num_words":150,"start":1057.82,"end":1104.465},{"sentences":[{"text":"So that is why I have recommended we change it to the BetaShares Australia two 100.","start":1105.04,"end":1110.02,"sentiment":"neutral","sentiment_score":0.24778515379875898},{"text":"Now that is the only new investment to your portfolio.","start":1110.24,"end":1113.7,"sentiment":"neutral","sentiment_score":0.29346642941236495},{"text":"All the others are just rebalancing.","start":1115.28,"end":1118.015,"sentiment":"neutral","sentiment_score":0.1934431791305542},{"text":"So you can see they are still keeping it in your portfolio.","start":1118.635,"end":1121.375,"sentiment":"neutral","sentiment_score":0.26899467408657074},{"text":"We're not completely selling out of it.","start":1121.435,"end":1123.6951,"sentiment":"neutral","sentiment_score":-0.017607575016362325}],"sentiment":"neutral","sentiment_score":0.21891311556100845,"num_words":51,"start":1105.04,"end":1123.6951},{"sentences":[{"text":"It is just to rebalance your portfolio.","start":1123.915,"end":1126.655,"sentiment":"neutral","sentiment_score":0.09172648297888893},{"text":"Basically, rebalancing, it is the process of making sure that your superannuation continues to be invested in coding with your investment strategy, which is that aggressive investor for you because you do wanna maximize that growth in super while you still have time until retirement.","start":1127.435,"end":1145.825,"sentiment":"neutral","sentiment_score":0.25286003433995774},{"text":"But what can happen over time is that market movement can cause some investments to go up, represent a larger portion of your portfolio, while others kind of become a little bit smaller.","start":1146.605,"end":1158.51,"sentiment":"neutral","sentiment_score":-0.08412993067141736},{"text":"So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification.","start":1159.05,"end":1176.0951,"sentiment":"neutral","sentiment_score":0.18455406458991946},{"text":"Does that make sense, David?","start":1176.9551,"end":1178.3351,"sentiment":"neutral","sentiment_score":0.11489509493112564}],"sentiment":"neutral","sentiment_score":0.12934356764322374,"num_words":123,"start":1123.915,"end":1178.3351},{"sentences":[{"text":"Yep.","start":1179.755,"end":1180.235,"sentiment":"neutral","sentiment_score":0.2817603051662445},{"text":"Perfect.","start":1180.235,"end":1180.735,"sentiment":"positive","sentiment_score":0.5595032572746277},{"text":"So pretty straightforward with the investments.","start":1180.795,"end":1182.7151,"sentiment":"positive","sentiment_score":0.46946904559930164},{"text":"It is just swapping one for the other and rebalancing.","start":1182.7151,"end":1186.83,"sentiment":"neutral","sentiment_score":0.26165763288736343},{"text":"Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like.","start":1187.0499,"end":1207.8049,"sentiment":"neutral","sentiment_score":0.26036694734843807}],"sentiment":"neutral","sentiment_score":0.2790498780853608,"num_words":85,"start":1179.755,"end":1207.8049},{"sentences":[{"text":"And that is all of them.","start":1208.105,"end":1209.625,"sentiment":"neutral","sentiment_score":0.15556499113639197},{"text":"Okay?","start":1209.625,"end":1210.125,"sentiment":"neutral","sentiment_score":0.12284976989030838},{"text":"Yep.","start":1212.01,"end":1212.51,"sentiment":"neutral","sentiment_score":0.16061028838157654},{"text":"Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four.","start":1214.25,"end":1220.65,"sentiment":"neutral","sentiment_score":0.08886018246412278},{"text":"Not making any changes, obviously, as contributions and stuff goes in.","start":1220.65,"end":1224.0901,"sentiment":"neutral","sentiment_score":-0.0009501065042885867}],"sentiment":"neutral","sentiment_score":0.07650262776475686,"num_words":39,"start":1208.105,"end":1224.0901},{"sentences":[{"text":"The minimum is 1.25% from your account, which we do wanna stick to.","start":1224.0901,"end":1229.385,"sentiment":"neutral","sentiment_score":0.10028756667788212},{"text":"We don't want any more cash because that's going to obviously impact the growth of your investment.","start":1229.385,"end":1233.625,"sentiment":"neutral","sentiment_score":-0.09680066608330783},{"text":"So literally just that minimum target.","start":1233.625,"end":1235.645,"sentiment":"neutral","sentiment_score":0.03123068871597449},{"text":"Now the next page, so page 19, you will have the proposed asset allocation.","start":1237.8,"end":1242.54,"sentiment":"neutral","sentiment_score":0.038665027889822214},{"text":"Can you see that pie chart on the table?","start":1243.16,"end":1245.1001,"sentiment":"neutral","sentiment_score":0.0635733190510008}],"sentiment":"neutral","sentiment_score":0.0162539226713322,"num_words":59,"start":1224.0901,"end":1245.1001},{"sentences":[{"text":"Yes.","start":1248.4401,"end":1248.9401,"sentiment":"neutral","sentiment_score":0.23375838994979856},{"text":"Yep.","start":1249.0801,"end":1249.5801,"sentiment":"neutral","sentiment_score":0.24907469749450684},{"text":"Now this one here basically shows you that aggressive risk profile.","start":1249.765,"end":1253.625,"sentiment":"neutral","sentiment_score":0.139923519031568},{"text":"Now that is around a 100% in growth, not really focusing on any defensives, so no fixed interest or anything like that.","start":1254.725,"end":1262.005,"sentiment":"neutral","sentiment_score":0.16946343874389475},{"text":"It is mainly focusing on your growth investments, so your equity and property.","start":1262.005,"end":1267.4401,"sentiment":"positive","sentiment_score":0.3472767827602533}],"sentiment":"neutral","sentiment_score":0.21384970052167773,"num_words":48,"start":1248.4401,"end":1267.4401},{"sentences":[{"text":"Now it then shows you your existing portfolio, so how that is currently invested, and then it also shows the proposed portfolio.","start":1268.3,"end":1276.96,"sentiment":"neutral","sentiment_score":0.22779817946932532},{"text":"Now you can see here that the only defensive is the minimum cash balance associated with the hub twenty four.","start":1277.745,"end":1284.545,"sentiment":"neutral","sentiment_score":0.2175032075494528},{"text":"Everything else is then diversified into Australian equities, international equities, and property for you.","start":1284.545,"end":1291.525,"sentiment":"neutral","sentiment_score":0.24357154539653234},{"text":"Both portfolios do still align with your risk profile, though.","start":1291.98,"end":1295.74,"sentiment":"neutral","sentiment_score":0.32790772914886473},{"text":"So we're not making any changes to the level of risk.","start":1295.74,"end":1298.64,"sentiment":"neutral","sentiment_score":-0.09586278958754106}],"sentiment":"neutral","sentiment_score":0.19475600442716054,"num_words":77,"start":1268.3,"end":1298.64},{"sentences":[{"text":"It is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you.","start":1298.78,"end":1305.105,"sentiment":"neutral","sentiment_score":0.1331042542177088},{"text":"Yep.","start":1307.1849,"end":1307.585,"sentiment":"neutral","sentiment_score":0.1373017132282257},{"text":"Now when it comes through the fee structure, so page 22.","start":1307.585,"end":1312.885,"sentiment":"neutral","sentiment_score":0.06978617506948384},{"text":"Now we did touch on this a little bit during the under review, but I do wanna just recap on it for you.","start":1313.345,"end":1318.59,"sentiment":"neutral","sentiment_score":0.12502710229676703},{"text":"There is no changes in regards to that fee structure.","start":1318.75,"end":1322.13,"sentiment":"neutral","sentiment_score":0.05940015316009521}],"sentiment":"neutral","sentiment_score":0.10705398137290631,"num_words":62,"start":1298.78,"end":1322.13},{"sentences":[{"text":"It stays exactly the same at 1.65 from super.","start":1322.19,"end":1326.21,"sentiment":"neutral","sentiment_score":0.23560783763726553},{"text":"Now we do show you a yearly figure, but it is not a one off yearly fee coming out of your account.","start":1326.75,"end":1333.33,"sentiment":"neutral","sentiment_score":0.18460810455408963},{"text":"It is deducted on a monthly basis for you, and that is to make it more fair as well.","start":1333.695,"end":1339.315,"sentiment":"positive","sentiment_score":0.3780292288253182},{"text":"Because it is a percentage of your balance and the market do tend to fluctuate, we are just deducting it on a monthly basis.","start":1339.5349,"end":1347.315,"sentiment":"neutral","sentiment_score":0.318522119273742},{"text":"But it also gives you the flexibility that if you are ever unhappy with the service or not sure what to do, you don't have to commit to a full twelve month and having to pay that one up fee.","start":1347.42,"end":1359.825,"sentiment":"neutral","sentiment_score":0.2241257132962346}],"sentiment":"neutral","sentiment_score":0.2629295050967158,"num_words":114,"start":1322.19,"end":1359.825},{"sentences":[{"text":"It's just a monthly deduction.","start":1359.985,"end":1361.9249,"sentiment":"neutral","sentiment_score":0.3320715636014938},{"text":"There's no lock in contract.","start":1361.985,"end":1363.4249,"sentiment":"neutral","sentiment_score":0.21614195704460143},{"text":"There's no exit fees or cancellation fees if you are ever not happy with the service or you don't wanna continue.","start":1363.4249,"end":1369.605,"sentiment":"neutral","sentiment_score":-0.02444785780140332},{"text":"Okay?","start":1369.6649,"end":1370.1649,"sentiment":"neutral","sentiment_score":0.14125871658325195},{"text":"Yep.","start":1371.84,"end":1372.34,"sentiment":"neutral","sentiment_score":0.17268481850624084}],"sentiment":"neutral","sentiment_score":0.07701836740880301,"num_words":33,"start":1359.985,"end":1372.34},{"sentences":[{"text":"Now, basically, that summarizes the advice.","start":1373.6,"end":1377.38,"sentiment":"neutral","sentiment_score":0.21014653891324997},{"text":"So pretty straightforward.","start":1377.6799,"end":1378.82,"sentiment":"positive","sentiment_score":0.39173919955889386},{"text":"I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you.","start":1379.2,"end":1386.58,"sentiment":"positive","sentiment_score":0.47221678809115764},{"text":"Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well.","start":1386.895,"end":1400.595,"sentiment":"neutral","sentiment_score":0.32947653021131246},{"text":"So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well.","start":1401.16,"end":1412.38,"sentiment":"neutral","sentiment_score":0.21548068571475246}],"sentiment":"neutral","sentiment_score":0.3151042087281004,"num_words":94,"start":1373.6,"end":1412.38},{"sentences":[{"text":"Can you see that?","start":1412.84,"end":1413.98,"sentiment":"neutral","sentiment_score":0.12940265610814095},{"text":"So it will be the next document.","start":1417.385,"end":1419.3251,"sentiment":"neutral","sentiment_score":0.16970920775617873},{"text":"So it will be the next one.","start":1419.545,"end":1421.385,"sentiment":"neutral","sentiment_score":0.19919211736747197},{"text":"So it basically as you scroll through the end of the first one, you should then kind of stop scrolling where it says statement of advice again prepared for yourself.","start":1421.385,"end":1433.03,"sentiment":"neutral","sentiment_score":0.146375156318148},{"text":"And there's, like, another cover page with some mountains.","start":1433.57,"end":1436.47,"sentiment":"neutral","sentiment_score":0.11178671651416355}],"sentiment":"neutral","sentiment_score":0.1490746497977198,"num_words":57,"start":1412.84,"end":1436.47},{"sentences":[{"text":"If you keep scrolling, yes, or it should say next.","start":1443.745,"end":1446.405,"sentiment":"neutral","sentiment_score":0.019226962979882956},{"text":"Depends on sometimes how your phone is set up.","start":1446.945,"end":1449.445,"sentiment":"neutral","sentiment_score":-0.016861063842144277},{"text":"And if you keep scrolling or press next, No?","start":1457.12,"end":1484.77,"sentiment":"neutral","sentiment_score":-0.042921722763114505},{"text":"Okay.","start":1485.15,"end":1485.65,"sentiment":"neutral","sentiment_score":-0.1016830950975418},{"text":"There's nothing there?","start":1488.125,"end":1489.265,"sentiment":"neutral","sentiment_score":-0.18182780345280966}],"sentiment":"neutral","sentiment_score":-0.031029436097014695,"num_words":32,"start":1443.745,"end":1489.265},{"sentences":[{"text":"Okay.","start":1489.3251,"end":1489.8251,"sentiment":"neutral","sentiment_score":-0.03149474784731865},{"text":"What I might do, I'll I'll triple check with IT after the call and see.","start":1490.4451,"end":1495.8251,"sentiment":"neutral","sentiment_score":-0.000972029318412145},{"text":"But if it's not there, what I will do is I will send you a separate email with that attachment.","start":1496.525,"end":1503.75,"sentiment":"neutral","sentiment_score":0.07440624637529254},{"text":"So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one.","start":1503.97,"end":1511.67,"sentiment":"neutral","sentiment_score":0.1760583690234593},{"text":"It is just for your reference to show you the research and the comparison.","start":1512.05,"end":1515.59,"sentiment":"neutral","sentiment_score":0.2610160910657474}],"sentiment":"neutral","sentiment_score":0.12853729932640606,"num_words":78,"start":1489.3251,"end":1515.59},{"sentences":[{"text":"So I will go and check with IT once I get off the phone just to see if that somehow wasn't included.","start":1516.105,"end":1521.4049,"sentiment":"neutral","sentiment_score":-0.027230699800632217},{"text":"And if so or if not, then I will just send you a separate email and attach those documents.","start":1524.2649,"end":1529.085,"sentiment":"neutral","sentiment_score":0.05238053575158119},{"text":"Okay?","start":1529.1449,"end":1529.6449,"sentiment":"neutral","sentiment_score":0.040375757962465286},{"text":"Yep.","start":1530.96,"end":1531.46,"sentiment":"neutral","sentiment_score":-0.0026240970473736525},{"text":"Nothing right now.","start":1535.04,"end":1536.26,"sentiment":"neutral","sentiment_score":-0.2741788725058238}],"sentiment":"neutral","sentiment_score":-0.008448482020353169,"num_words":46,"start":1516.105,"end":1536.26},{"sentences":[{"text":"When you have a moment to have a look at it, though, if you are happy with the recommendation, which is to change those investments for you, I will then need you to the document that you are in, at the bottom of that document, it will ask you to sign.","start":1537.12,"end":1555.005,"sentiment":"neutral","sentiment_score":0.12013934907393858},{"text":"It will just be date and sign it, and that is if you are happy to remain a client and proceed with those investments.","start":1555.3049,"end":1563.41,"sentiment":"neutral","sentiment_score":0.28238824879129726},{"text":"Now there is also a text box, and that text box allows you to type.","start":1564.03,"end":1569.49,"sentiment":"neutral","sentiment_score":0.09092166647315025},{"text":"So if it is that you don't wanna go ahead like, you you want to stay on as a client, but you don't wanna go ahead with one of the changes or the rebalance or anything like that, there is a free type box which allows you to type anything as well.","start":1569.87,"end":1585.405,"sentiment":"neutral","sentiment_score":0.05164092382451949},{"text":"Yep.","start":1587.48,"end":1587.98,"sentiment":"neutral","sentiment_score":0.08318179100751877}],"sentiment":"neutral","sentiment_score":0.11913817902616636,"num_words":143,"start":1537.12,"end":1587.98},{"sentences":[{"text":"Yep.","start":1591.64,"end":1592.14,"sentiment":"neutral","sentiment_score":0.08982758224010468},{"text":"Yep.","start":1596.04,"end":1596.54,"sentiment":"neutral","sentiment_score":0.13562841713428497},{"text":"And that's okay.","start":1596.76,"end":1597.82,"sentiment":"neutral","sentiment_score":0.21961634357770285},{"text":"Okay.","start":1608.6951,"end":1609.1951,"sentiment":"positive","sentiment_score":0.3976393938064575},{"text":"Beautiful.","start":1609.335,"end":1609.835,"sentiment":"positive","sentiment_score":0.6228712797164917}],"sentiment":"neutral","sentiment_score":0.2721165290900639,"num_words":7,"start":1591.64,"end":1609.835},{"sentences":[{"text":"Now like I said there, David, as well, I will send you I'll check with IT, but I will also otherwise send you that document, which is the appendix.","start":1614.0701,"end":1624.81,"sentiment":"neutral","sentiment_score":0.08792829931039235},{"text":"Now with the appendix is where you can then find those investment links through the investments if you wanted to go and have a bit of a read over it.","start":1625.105,"end":1631.985,"sentiment":"neutral","sentiment_score":0.09901709581414858},{"text":"And you can also see that comparison that I did consider Australian Super, along with HESTA.","start":1631.985,"end":1639.125,"sentiment":"neutral","sentiment_score":0.0548324640840292},{"text":"When I did look at the option, the most aggressive investment options they have is a high growth portfolio.","start":1639.73,"end":1646.23,"sentiment":"neutral","sentiment_score":0.00890254797904115},{"text":"So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find.","start":1646.37,"end":1654.0701,"sentiment":"neutral","sentiment_score":0.01419200748205185}],"sentiment":"neutral","sentiment_score":0.06009422404397475,"num_words":114,"start":1614.0701,"end":1654.0701},{"sentences":[{"text":"And the difference in the balance when you have a look at it, that would be the capital gains tax.","start":1655.4149,"end":1662.235,"sentiment":"neutral","sentiment_score":-0.08981976062059402},{"text":"If you were to say, no.","start":1662.695,"end":1664.2949,"sentiment":"neutral","sentiment_score":-0.15706279377142587},{"text":"Wanna leave hub 24 and, for example, leave and go to.","start":1664.2949,"end":1667.6749,"sentiment":"neutral","sentiment_score":-0.10418792204423384},{"text":"The capital gains tax would then be about 4,951.","start":1668.4099,"end":1673.39,"sentiment":"neutral","sentiment_score":-0.1202525215016471},{"text":"And when I consider the capital gains tax along with the fees, as long as that I along with that I couldn't achieve the same return, it wouldn't put you in as good of a position, and therefore, I did not recommend it at this time.","start":1673.69,"end":1687.385,"sentiment":"neutral","sentiment_score":-0.32815430847846944}],"sentiment":"neutral","sentiment_score":-0.21806750001142855,"num_words":92,"start":1655.4149,"end":1687.385},{"sentences":[{"text":"Does that make sense?","start":1688.005,"end":1689.145,"sentiment":"neutral","sentiment_score":-0.13899894431233406},{"text":"Yep.","start":1690.485,"end":1690.985,"sentiment":"neutral","sentiment_score":0.13314342498779297},{"text":"Perfect.","start":1691.205,"end":1691.705,"sentiment":"positive","sentiment_score":0.387241393327713},{"text":"Now I will send you through this document as well so that you have everything.","start":1692.085,"end":1697.3049,"sentiment":"neutral","sentiment_score":0.21428695221741995},{"text":"But, otherwise, like I said, take your time and read over the document.","start":1697.98,"end":1701.2799,"sentiment":"neutral","sentiment_score":0.08931166907915702}],"sentiment":"neutral","sentiment_score":0.12763955948107383,"num_words":34,"start":1688.005,"end":1701.2799},{"sentences":[{"text":"If you have any questions, let me know.","start":1702.2999,"end":1705.36,"sentiment":"neutral","sentiment_score":0.13832212053239346},{"text":"Otherwise, if you do have a read through everything and you are happy to go ahead, it will just ask for that signature.","start":1706.2999,"end":1712.465,"sentiment":"neutral","sentiment_score":0.28022240669183107},{"text":"It should then send it back to me automatically, and that lets me know that you are happy to 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I've got David Nguyen on the phone. No problem. Yeah. He sounds, like, very gray is the best way to explain it. He said he said that he was like, you guys aren't in w because he had a missed call from WA, and I said we're not from WA. And he was like, well, if I do have a missed call from you guys then, I said, well, we definitely called. Yeah. Yep. Baseball Security. Beautiful. You've got David in 321. You there? Yes. I can. Yeah. Good day. It's going. It's okay. Yep. I Yep. Mhmm. Yes. I did. Yep. Yep. I'm not in front of it, but I yeah. I'm I'm I'm at work in in a private room. Okay. Yep. Yep. That's fine. Okay. Mhmm. Yep. Mhmm. I I am on it now on my phone. Page 12. Yep. Yep. Mhmm. Mhmm. Which page are you going off now? Okay. Still on Tuesday. Okay. Yep. Yes. Okay. Mhmm. When did you say say, this is just about changing the inspection? No. It has nothing to do with any of the above above the tables. Mhmm. Okay. Unless the other things are the same, and then the price is paid up. Alright? Yep. Okay. Yep. So $68 for 22 to the first one's register, and then this is gonna be capital gains taxes within that. Right. In total. Put everything that's sold within within the super. Mhmm. Mhmm. Yep. Mhmm. Okay. Mhmm. Yes. Yep. Okay. Mhmm. And by the declaration. And you're saying at the bottom of the document. Mhmm. Okay. And what do you need to do to get them done? Nothing? Yep. Mhmm. Alright. Alright. Alright. Thank you very much. Okay. You too. Thank you. 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Vee. I've got David Nguyen on the phone. No problem. Yeah. He sounds, like, very gray is the best way to explain it.\n\nHe said he said that he was like, you guys aren't in w because he had a missed call from WA, and I said we're not from WA. And he was like, well, if I do have a missed call from you guys then, I said, well, we definitely called. Yeah. Yep. Baseball Security.\n\nBeautiful. You've got David in 321. You there? Yes. I can.\n\nYeah. Good day. It's going. It's okay. Yep.\n\nI Yep. Mhmm. Yes. I did. Yep.\n\nYep. I'm not in front of it, but I yeah. I'm I'm I'm at work in in a private room. Okay. Yep.\n\nYep. That's fine. Okay. Mhmm. Yep.\n\nMhmm. I I am on it now on my phone. Page 12. Yep. Yep.\n\nMhmm. Mhmm. Which page are you going off now? Okay. Still on Tuesday.\n\nOkay. Yep. Yes. Okay. Mhmm.\n\nWhen did you say say, this is just about changing the inspection? No. It has nothing to do with any of the above above the tables. Mhmm. Okay.\n\nUnless the other things are the same, and then the price is paid up. Alright? Yep. Okay. Yep.\n\nSo $68 for 22 to the first one's register, and then this is gonna be capital gains taxes within that. Right. In total. Put everything that's sold within within the super. Mhmm.\n\nMhmm. Yep. Mhmm. Okay. Mhmm.\n\nYes. Yep. Okay. Mhmm. And by the declaration.\n\nAnd you're saying at the bottom of the document. Mhmm. Okay. And what do you need to do to get them done? Nothing?\n\nYep. Mhmm. Alright. Alright. Alright.\n\nThank you very much. Okay. You too. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hey, Vee.","start":2.48,"end":2.96,"sentiment":"neutral","sentiment_score":0.08137190714478493},{"text":"I've got David Nguyen on the phone.","start":2.96,"end":4.9,"sentiment":"neutral","sentiment_score":0.1052763792020934},{"text":"No problem.","start":9.84,"end":10.66,"sentiment":"neutral","sentiment_score":0.24521616101264954},{"text":"Yeah.","start":14.655001,"end":14.895,"sentiment":"neutral","sentiment_score":0.04210445284843445},{"text":"He sounds, like, very gray is the best way to explain it.","start":14.895,"end":20.895,"sentiment":"neutral","sentiment_score":0.039510662434622645}],"sentiment":"neutral","sentiment_score":0.07943096636639287,"num_words":24,"start":2.48,"end":20.895},{"sentences":[{"text":"He said he said that he was like, you guys aren't in w because he had a missed call from WA, and I said we're not from WA.","start":20.895,"end":26.335,"sentiment":"neutral","sentiment_score":0.005473074436719928},{"text":"And he was like, well, if I do have a missed call from you guys then, I said, well, we definitely called.","start":26.335,"end":30.05,"sentiment":"neutral","sentiment_score":0.030102370645512234},{"text":"Yeah.","start":33.309998,"end":33.809998,"sentiment":"neutral","sentiment_score":0.01703532598912716},{"text":"Yep.","start":41.405,"end":41.725,"sentiment":"neutral","sentiment_score":0.07842140644788742},{"text":"Baseball Security.","start":41.725,"end":42.625,"sentiment":"neutral","sentiment_score":0.11810509115457535}],"sentiment":"neutral","sentiment_score":0.021243799132881342,"num_words":54,"start":20.895,"end":42.625},{"sentences":[{"text":"Beautiful.","start":47.885,"end":48.385,"sentiment":"positive","sentiment_score":0.48067548871040344},{"text":"You've got David in 321.","start":48.445,"end":51.665,"sentiment":"neutral","sentiment_score":0.18204848170280458},{"text":"You there?","start":70.185005,"end":70.76501,"sentiment":"neutral","sentiment_score":-0.002232150174677372},{"text":"Yes.","start":73.225006,"end":73.465004,"sentiment":"neutral","sentiment_score":0.04703297093510628},{"text":"I can.","start":73.465004,"end":74.125,"sentiment":"neutral","sentiment_score":0.06017934903502464}],"sentiment":"neutral","sentiment_score":0.1412586605345661,"num_words":11,"start":47.885,"end":74.125},{"sentences":[{"text":"Yeah.","start":78.825005,"end":79.145004,"sentiment":"neutral","sentiment_score":0.12934774160385132},{"text":"Good day.","start":79.145004,"end":79.705,"sentiment":"neutral","sentiment_score":0.30175890028476715},{"text":"It's going.","start":79.705,"end":80.44501,"sentiment":"neutral","sentiment_score":0.26164671778678894},{"text":"It's okay.","start":85.04,"end":85.759995,"sentiment":"neutral","sentiment_score":0.2731012552976608},{"text":"Yep.","start":85.759995,"end":86.259995,"sentiment":"neutral","sentiment_score":0.1444558948278427}],"sentiment":"neutral","sentiment_score":0.24335217289626598,"num_words":8,"start":78.825005,"end":86.259995},{"sentences":[{"text":"I Yep.","start":86.32,"end":88.34,"sentiment":"neutral","sentiment_score":0.12092404812574387},{"text":"Mhmm.","start":108.595,"end":109.095,"sentiment":"neutral","sentiment_score":0.012023921124637129},{"text":"Yes.","start":109.82,"end":110.14,"sentiment":"neutral","sentiment_score":0.05106383189558983},{"text":"I 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room.","start":127.315,"end":130.295,"sentiment":"neutral","sentiment_score":-0.029900462180376054},{"text":"Okay.","start":139.315,"end":139.815,"sentiment":"neutral","sentiment_score":0.23825836181640625},{"text":"Yep.","start":144.58,"end":145.08,"sentiment":"neutral","sentiment_score":0.14762842655181885}],"sentiment":"neutral","sentiment_score":-0.020807392217896202,"num_words":22,"start":114.46,"end":145.08},{"sentences":[{"text":"Yep.","start":158.435,"end":158.915,"sentiment":"neutral","sentiment_score":0.1732383370399475},{"text":"That's 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Tuesday.","start":471.75998,"end":472.66,"sentiment":"neutral","sentiment_score":0.050091698144872986}],"sentiment":"neutral","sentiment_score":0.06652294342907575,"num_words":13,"start":331.415,"end":472.66},{"sentences":[{"text":"Okay.","start":473.68,"end":474.18,"sentiment":"neutral","sentiment_score":0.05873384326696396},{"text":"Yep.","start":476.8,"end":477.3,"sentiment":"neutral","sentiment_score":0.07646149396896362},{"text":"Yes.","start":477.36,"end":477.6,"sentiment":"neutral","sentiment_score":0.07357314974069595},{"text":"Okay.","start":477.6,"end":478.1,"sentiment":"neutral","sentiment_score":0.06475323438644409},{"text":"Mhmm.","start":487.245,"end":487.745,"sentiment":"neutral","sentiment_score":0.05296447873115539}],"sentiment":"neutral","sentiment_score":0.0652972400188446,"num_words":5,"start":473.68,"end":487.745},{"sentences":[{"text":"When did you say say, this is just about changing the inspection?","start":515.545,"end":520.125,"sentiment":"neutral","sentiment_score":-0.006083041119078795},{"text":"No.","start":520.505,"end":521.005,"sentiment":"neutral","sentiment_score":-0.2334134876728058},{"text":"It has nothing to do with any of the above above the tables.","start":521.545,"end":525.805,"sentiment":"neutral","sentiment_score":-0.15876862349418494},{"text":"Mhmm.","start":566.76,"end":567.26,"sentiment":"neutral","sentiment_score":0.06765641272068024},{"text":"Okay.","start":611.245,"end":611.745,"sentiment":"neutral","sentiment_score":0.09842362999916077}],"sentiment":"neutral","sentiment_score":-0.07872578727879695,"num_words":28,"start":515.545,"end":611.745},{"sentences":[{"text":"Unless the other things are the same, and then the price is paid up.","start":693.51,"end":702.79004,"sentiment":"neutral","sentiment_score":0.015548981193985258},{"text":"Alright?","start":702.79004,"end":703.29004,"sentiment":"neutral","sentiment_score":0.04243449121713638},{"text":"Yep.","start":767.515,"end":768.015,"sentiment":"neutral","sentiment_score":0.13177762925624847},{"text":"Okay.","start":804.795,"end":805.295,"sentiment":"neutral","sentiment_score":0.07404114305973053},{"text":"Yep.","start":806.82996,"end":807.32996,"sentiment":"neutral","sentiment_score":0.007963389158248901}],"sentiment":"neutral","sentiment_score":0.026327910522619884,"num_words":18,"start":693.51,"end":807.32996},{"sentences":[{"text":"So $68 for 22 to the first one's register, and then this is gonna be capital gains taxes within that.","start":872.26,"end":881.465,"sentiment":"neutral","sentiment_score":-0.04904737928882241},{"text":"Right.","start":887.045,"end":887.205,"sentiment":"neutral","sentiment_score":0.03859866410493851},{"text":"In total.","start":887.205,"end":887.945,"sentiment":"neutral","sentiment_score":0.045749496668577194},{"text":"Put everything that's sold within within the super.","start":889.60504,"end":892.825,"sentiment":"neutral","sentiment_score":0.11220512352883816},{"text":"Mhmm.","start":982.38,"end":982.88,"sentiment":"neutral","sentiment_score":0.03927409648895264}],"sentiment":"neutral","sentiment_score":0.0026895361370407045,"num_words":32,"start":872.26,"end":982.88},{"sentences":[{"text":"Mhmm.","start":1021.905,"end":1022.405,"sentiment":"neutral","sentiment_score":-0.0003040819428861141},{"text":"Yep.","start":1028.1675,"end":1028.6675,"sentiment":"neutral","sentiment_score":0.0063659753650426865},{"text":"Mhmm.","start":1115.035,"end":1115.535,"sentiment":"neutral","sentiment_score":0.1760425567626953},{"text":"Okay.","start":1211.0499,"end":1211.5499,"sentiment":"neutral","sentiment_score":0.13944968581199646},{"text":"Mhmm.","start":1236.65,"end":1237.15,"sentiment":"neutral","sentiment_score":-0.00909319519996643}],"sentiment":"neutral","sentiment_score":0.062492188159376384,"num_words":5,"start":1021.905,"end":1237.15},{"sentences":[{"text":"Yes.","start":1252.0125,"end":1252.5125,"sentiment":"neutral","sentiment_score":0.0985175520181656},{"text":"Yep.","start":1305.965,"end":1306.465,"sentiment":"neutral","sentiment_score":0.17129433155059814},{"text":"Okay.","start":1371.3401,"end":1371.8401,"sentiment":"neutral","sentiment_score":0.14005747437477112},{"text":"Mhmm.","start":1386.6,"end":1387.1,"sentiment":"neutral","sentiment_score":0.19331049919128415},{"text":"And by the declaration.","start":1437.505,"end":1438.645,"sentiment":"neutral","sentiment_score":0.07585031073540449}],"sentiment":"neutral","sentiment_score":0.11332263750955462,"num_words":8,"start":1252.0125,"end":1438.645},{"sentences":[{"text":"And you're saying at the bottom of the document.","start":1440.785,"end":1442.885,"sentiment":"neutral","sentiment_score":0.05797227844595909},{"text":"Mhmm.","start":1502.95,"end":1503.45,"sentiment":"neutral","sentiment_score":0.08243496716022491},{"text":"Okay.","start":1516.7749,"end":1517.2749,"sentiment":"neutral","sentiment_score":0.05713251978158951},{"text":"And what do you need to do to get them done?","start":1530.24,"end":1533.68,"sentiment":"neutral","sentiment_score":-0.02229481376707554},{"text":"Nothing?","start":1533.68,"end":1534.18,"sentiment":"neutral","sentiment_score":-0.1949632167816162}],"sentiment":"neutral","sentiment_score":0.009613557597217352,"num_words":23,"start":1440.785,"end":1534.18},{"sentences":[{"text":"Yep.","start":1564.4501,"end":1564.9501,"sentiment":"neutral","sentiment_score":0.10196590423583984},{"text":"Mhmm.","start":1668.97,"end":1669.47,"sentiment":"neutral","sentiment_score":-0.11825814098119736},{"text":"Alright.","start":1719.805,"end":1720.305,"sentiment":"neutral","sentiment_score":0.31736671924591064},{"text":"Alright.","start":1732.555,"end":1733.055,"sentiment":"neutral","sentiment_score":0.09781244397163393},{"text":"Alright.","start":1738.635,"end":1739.115,"sentiment":"positive","sentiment_score":0.39681053161621094}],"sentiment":"neutral","sentiment_score":0.1591394916176796,"num_words":5,"start":1564.4501,"end":1739.115},{"sentences":[{"text":"Thank you very much.","start":1739.115,"end":1740.335,"sentiment":"positive","sentiment_score":0.8092351257801056},{"text":"Okay.","start":1743.275,"end":1743.755,"sentiment":"positive","sentiment_score":0.3929899930953979},{"text":"You too.","start":1743.755,"end":1744.415,"sentiment":"positive","sentiment_score":0.4306187629699707},{"text":"Thank you.","start":1745.8708,"end":1746.4309,"sentiment":"positive","sentiment_score":0.6803775131702423},{"text":"Bye bye.","start":1746.4309,"end":1747.1709,"sentiment":"neutral","sentiment_score":0.07486542314291}],"sentiment":"positive","sentiment_score":0.5456048995256424,"num_words":11,"start":1739.115,"end":1747.1709}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: Hey, Vee. I've got David Nguyen on the phone.\n\nChannel 0: Oh, yeah. Perfect. Just let me get everything up for him.\n\nChannel 1: No problem.\n\nChannel 0: How does he sound? Because he's always a little bit.\n\nChannel 1: Yeah. He sounds, like, very\n\nChannel 0: Yeah.\n\nChannel 1: gray\n\nChannel 0: Yeah. Oh.\n\nChannel 1: is the best way to explain it. He said he said that he was like, you guys aren't in w because he had a missed call from WA, and I said we're not from WA. And he was like, well, if I do have a missed call from you guys then, I said, well, we definitely called.\n\nChannel 0: Yep. No. It definitely has.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Let me have a look. And he's past security, and he's all good.\n\nChannel 1: Yep. Baseball Security.\n\nChannel 0: Perfect. Well, you can send him through when you're ready.\n\nChannel 1: Beautiful. You've got David in 321.\n\nChannel 0: Good afternoon, David. This is Veronica from Achieve Financial. How are you? Hello? Can you hear me?\n\nChannel 1: You there?\n\nChannel 0: Yeah. David, can you hear me?\n\nChannel 1: Yes. I can.\n\nChannel 0: Yeah. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Yeah. Good day. It's going.\n\nChannel 0: Yeah. Good. Thanks for returning my callback.\n\nChannel 1: It's okay. Yep. I Yep.\n\nChannel 0: I had you booked in after our last conversation. I was reviewing your super investments to see if we could reduce some fees a little bit for you and also consider a couple of other industry funds to see what was going to be the best option for your superannuation moving forward. Do you remember that\n\nChannel 1: Mhmm.\n\nChannel 0: conversation?\n\nChannel 1: Yes. I did. Yep.\n\nChannel 0: Yep. Perfect. And do you have time to go through that now?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, David, do you have access to your emails at the moment?\n\nChannel 1: I'm not in front of it, but\n\nChannel 0: Okay.\n\nChannel 1: I yeah.\n\nChannel 0: It's\n\nChannel 1: I'm I'm I'm at work in in a private room.\n\nChannel 0: no. That's okay. What I can do so what I have done is I have just sent you an email with the recommendation.\n\nChannel 1: Okay.\n\nChannel 0: But what I can do is I can just kind of quickly go through the main points with you. Then\n\nChannel 1: Yep.\n\nChannel 0: later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document. And if you then have any other questions for me, we can always book in another catch up. Would that be okay with you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Perfect. Now when you do get to the email, it will ask you to click on the link where it says sign now. It won't ask you to sign right away, but clicking that link will allow you to open up and view the document. Only at the end will ask you to sign, which you don't have to do unless you are comfortable to do so.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now when it actually comes through the statement of advice, it has been prepared and tailored directly for you. And it is a recommendation, but it also means that it is completely up to you if you would like to go ahead with the recommendation or not at the end of the day.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now when you have a look through the documents, you will also see my details listed on the cover page. So you will see my authorized representative number listed, and I am licensed under Oku Financial. Now on page two, it talks a little bit about the best interest duty, which you may have heard before. But, essentially, what it means is 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 can't actually make the recommendation. Does that make sense, David?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now today is pretty straightforward. What we are looking at today is your superannuation and your investment specifically within your superannuation. Not making any changes in regards to insurances or anything else.\n\nLiterally just focusing on your superannuation today.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: I am on it now on my phone. Page 12.\n\nChannel 0: oh, beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So if you can scroll down to page 12 for me, you should see where it says strategy recommendation. And it says, David, retain your hub 24 and change your underlying investments. Can you see where I'm up to? Can you see where I'm up to?\n\nYes.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, to make it easier, if you want to scroll down to page 15, I find it sometimes makes it a little bit easier because it outlines the actual recommendation in a table format. So what you just kind of scrolled past is\n\nChannel 1: Mhmm.\n\nChannel 0: just kind of talking in words, what I will go through with you now. I will have you let you have a read over that in your own time, But it basically talks about how the recommendation aligns with that best interest duty along with all the advantages, couple of disadvantages, some risks to be mindful of when it comes to the recommendation. Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible. I did also consider a couple of different industry funds. Now in the appendix, which I will go through with you later, I have included options for a similar table to the one you see in front of you comparing what I have recommended against Australia Super and also against HESTA so that you can actually see all the numbers and the outcomes in front of you.\n\nAnd when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement. But I will show you those tables as well so that you can actually see that comparison as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Now when it comes to your investment, so that is basically what I have recommended that we change. So like I said, I also compared other, sophisticated platform similar to Hub 24 just to make sure it was still going to be the best option for you. And it's very competitive when it comes to the fees, investment choices, and flexibility with investment. So in Hub twenty four, you have hundreds of different investment options to choose from, which is how we can put together the investment portfolio and give you those returns. Now when it actually comes to the investments, you can see here that literally just by changing some of your investment, it is saving you about $460 a year\n\nChannel 1: Which\n\nChannel 0: in\n\nChannel 1: page\n\nChannel 0: fees\n\nChannel 1: are you\n\nChannel 0: alone.\n\nChannel 1: going off now?\n\nChannel 0: Take 15 still.\n\nChannel 1: Okay. Still on Tuesday.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Can you see that table still?\n\nChannel 1: Yep. Yes. Okay.\n\nChannel 0: Yes. Yeah. So where is this the total cost? So kind of one, two, three, four four rows from the bottom. It says total\n\nChannel 1: Mhmm.\n\nChannel 0: cost, and you can see there the difference. So the difference column is then showing you the difference between it. Now by changing the investment fees, because that is the only thing we are doing, we're not changing contributions. We're not changing insurances or anything like that. Literally, just the investments within hub twenty four.\n\nYou can see that it is reducing your fees a little bit each year, which does make a bit of a difference.\n\nChannel 1: When did you say say, this is just about changing the inspection? No. It has nothing to do with any of the above above the tables.\n\nChannel 0: Sorry, David. It's just a little bit hard to hear you. What did you say there? So, basically, what I have recommended is just to change your investments and no other changes. So not changing your super fund, not changing contributions, not changing insurances.\n\nAnd the table you see on front of you shows\n\nChannel 1: Mhmm.\n\nChannel 0: you on page 15 the fee difference and the return with the changes in investments alone. So what it shows is it shows your total admin fees, your current admin fees, and the recommended. It shows the change in the investment fees. So you can see that that has been reduced for you. Other fees is associated with hub twenty four, so that stays the same.\n\nAnd then the rest is your adviser fees, contributions, and insurances. So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table\n\nChannel 1: Okay.\n\nChannel 0: later on so you can see exactly which one I have recommended. Okay? Yep. Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average. So that is the five year rolling average, the return on your investment.\n\nIt shows you your current portfolio in Hub '24, but it also then compares the the new recommended. And you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%. Now it might not look like it much, but it does compound. So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you. Does that make sense?\n\nYeah. Yeah.\n\nChannel 1: Unless\n\nChannel 0: Yes.\n\nChannel 1: the other things are the same, and then the\n\nChannel 0: Yep.\n\nChannel 1: price is paid up. Alright?\n\nChannel 0: The adviser fee, the percentage stays the same, so there's no changes. The only reason why because it is a percentage of your balance, and this factors in the compounding return. So we're not changing the fee structure. The percentage stays the same. The only reason why it looks to be a little bit more is because the new recommended portfolio is predicted to perform better than your current.\n\nTherefore, you will have more money in superannuation. And on a dollar figure, that amount will be higher because you have more money in super. The percentage fee stays the same, though. Correct. These are all annual fees.\n\nDoes that make sense? Yes. Yep. So page 16, it then shows you five and ten years. So, basically, following up from the table you just saw, it is just\n\nChannel 1: Yep.\n\nChannel 0: compounding everything forward. Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see. Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change. So we like to use a little bit longer time frame to give us that certainty, but I have also showed you the twelve month comparison, three years, five years, and ten year comparison. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now\n\nChannel 1: Yep.\n\nChannel 0: with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change. So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid. Now that is within superannuation, so you don't pay for anything yourself. You don't have to declare it. It is all within superannuation, but it is something I do wanna let you know.\n\nNow I've tried to minimize that as much as possible for you because I don't want you to have to pay any unnecessary tax tax and kinda minimize that. But it is estimated to be about $68 to make this investment change, and that is just tax paid for your change of investments. Does that make sense?\n\nChannel 1: So $68 for 22 to the first one's register, and then this is gonna be capital gains taxes within that.\n\nChannel 0: So capital the capital gains tax is estimated to be $68.\n\nChannel 1: Right. In total.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Put everything that's sold within within the super.\n\nChannel 0: For everything I have recommended, that would change. Yes. So it is quite minimal, and, obviously, it can change as market prices and everything does change and fluctuate. So it can change a little bit. But, yes, it is estimated a total of $68.\n\nNow I did consider, obviously, moving to Australian super and HESTA and other options. And by doing so, we would have to obviously sell all your investments. And the capital gains tax by doing so would be around $4,659. So, obviously, way higher. So I've obviously tried to reduce that as much as I can and got it down through about $68.\n\nCorrect. No. Just in total. Because we're not doing a lot of changes for your investments. It's very minimal.\n\nNow what that looks like in terms of the investment change is then on page 17 for you, so the following page. Let me know if you can see that. Now what you can yeah. You can see that okay? Yep.\n\nPerfect. Now what you can see is you can see your current investment. You can see the investment name. You can also see the the special code associated with these investments, your current weight, so how much you currently\n\nChannel 1: Mhmm.\n\nChannel 0: have in each of these investments. You have them to buy and sell. So what is highlighted in red is what I have recommended that we sell or rebalance for you. The target rate is how much we are aiming for when it comes to a percentage of the portfolio. And then the target balance, it's just the dollar value that represents their percentage target.\n\nNow with your investments, you can see here that there is only one investment that I have recommended that we completely sell out of and swap, and\n\nChannel 1: Mhmm.\n\nChannel 0: that is the first one. That is that Benelong Australian Equity. That's the one we kind of spoke a little bit\n\nChannel 1: Yep.\n\nChannel 0: about last time doing the annual review. Do you remember that as well? Yep. So I have recommended that we completely settle out of that one. And what we are doing instead is replacing it with the bottom one there, which is the beta shares Australia two hundred.\n\nBecause we are changing one Australian investment, we wanted to make sure we still give you the diversification on having some investments in Australia. But we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns. So the BetaShares Australia two hundred, it is a little bit more simplified investment than the Bennelong because Bennelong is that kind of active component where they are actively buying and selling different investments in order to try to outperform the market, and they can do that more frequently. They can outperform, which is great, which is what they had been doing and which is why it was recommended to you in the first place. So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently.\n\nAnd if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return. So that is why I have recommended we change it to the BetaShares Australia two 100. Now that is the only new investment to your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: All the others are just rebalancing. So you can see they are still keeping it in your portfolio. We're not completely selling out of it. It is just to rebalance your portfolio. Basically, rebalancing, it is the process of making sure that your superannuation continues to be invested in coding with your investment strategy, which is that aggressive investor for you because you do wanna maximize that growth in super while you still have time until retirement.\n\nBut what can happen over time is that market movement can cause some investments to go up, represent a larger portion of your portfolio, while others kind of become a little bit smaller. So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification. Does that make sense, David? Yep. Perfect.\n\nSo pretty straightforward with the investments. It is just swapping one for the other and rebalancing. Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like. And that is all of them. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four. Not making any changes, obviously, as contributions and stuff goes in. The minimum is 1.25% from your account, which we do wanna stick to. We don't want any more cash because that's going to obviously impact the growth of your investment.\n\nSo literally just that minimum target.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the next page, so page 19, you will have the proposed asset allocation. Can you see that pie chart on the table? Yes. Yep. Now this one here basically shows you that\n\nChannel 1: Yes.\n\nChannel 0: aggressive risk profile. Now that is around a 100% in growth, not really focusing on any defensives, so no fixed interest or anything like that. It is mainly focusing on your growth investments, so your equity and property. Now it then shows you your existing portfolio, so how that is currently invested, and then it also shows the proposed portfolio. Now you can see here that the only defensive is the minimum cash balance associated with the hub twenty four.\n\nEverything else is then diversified into Australian equities, international equities, and property for you. Both portfolios do still align with your risk profile, though. So we're not making any changes to the level of risk. It is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now when it comes through the fee structure, so page 22. Now we did touch on this a little bit during the under review, but I do wanna just recap on it for you. There is no changes in regards to that fee structure. It stays exactly the same at 1.65 from super.\n\nNow we do show you a yearly figure, but it is not a one off yearly fee coming out of your account. It is deducted on a monthly basis for you, and that is to make it more fair as well. Because it is a percentage of your balance and the market do tend to fluctuate, we are just deducting it on a monthly basis. But it also gives you the flexibility that if you are ever unhappy with the service or not sure what to do, you don't have to commit to a full twelve month and having to pay that one up fee. It's just a monthly deduction.\n\nThere's no lock in contract. There's no exit fees or cancellation fees if you are ever not happy with the service or you don't wanna continue. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now, basically, that summarizes the advice. So pretty straightforward. I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well. So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well. Can you see that? So it will be the next document. So it will be the next one.\n\nSo it basically as you scroll through the end of the first one, you should then kind of stop scrolling where it says statement of advice again prepared for yourself. And there's, like, another cover page with some mountains.\n\nChannel 1: And by the declaration. And you're saying at the bottom of the document.\n\nChannel 0: If you keep scrolling, yes, or it should say next. Depends on sometimes how your phone is set up. And if you keep scrolling or press next, No? Okay. There's nothing there?\n\nOkay. What I might do, I'll I'll triple check with IT after the call and see. But if it's not there, what I will do is I will send you a separate email with that\n\nChannel 1: Mhmm.\n\nChannel 0: attachment. So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one. It is just for your reference to show you the research and the comparison. So I will go and\n\nChannel 1: Okay.\n\nChannel 0: check with IT once I get off the phone just to see if that somehow wasn't included. And if so or if not, then I will just send you a separate email and attach those documents. Okay?\n\nChannel 1: And what do you\n\nChannel 0: Yep.\n\nChannel 1: need to do to get them done? Nothing?\n\nChannel 0: Nothing right now. When you have a moment to have a look at it, though, if you are happy with the recommendation, which is to change those investments for you, I will then need you to the document that you are in, at the bottom of that document, it will ask you to sign. It will just be date and sign it, and that is if you are happy to remain a client and proceed with those investments. Now there\n\nChannel 1: Yep.\n\nChannel 0: is also a text box, and that text box allows you to type. So if it is that you don't wanna go ahead like, you you want to stay on as a client, but you don't wanna go ahead with one of the changes or the rebalance or anything like that, there is a free type box which allows you to type anything as well. Yep. Yep. Yep.\n\nAnd that's okay. Okay. Beautiful. Now like I said there, David, as well, I will send you I'll check with IT, but I will also otherwise send you that document, which is the appendix. Now with the appendix is where you can then find those investment links through the investments if you wanted to go and have a bit of a read over it.\n\nAnd you can also see that comparison that I did consider Australian Super, along with HESTA. When I did look at the option, the most aggressive investment options they have is a high growth portfolio. So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find. And the difference in the balance when you have a look at it, that would be the capital gains tax. If you were to say, no.\n\nWanna leave hub 24 and, for example, leave and go to. The capital\n\nChannel 1: Mhmm.\n\nChannel 0: gains tax would then be about 4,951. And when I consider the capital gains tax along with the fees, as long as that I along with that I couldn't achieve the same return, it wouldn't put you in as good of a position, and therefore, I did not recommend it at this time. Does that make sense? Yep. Perfect.\n\nNow I will send you through this document as well so that you have everything. But, otherwise, like I said, take your time and read over the document. If you have any questions, let me know. Otherwise, if you do have a read through everything and you are happy to go ahead, it will just ask for that signature. It should then send it back to me automatically, and that lets me know that you are happy to proceed.\n\nOkay?\n\nChannel 1: Alright.\n\nChannel 0: Yep. Perfect. Correct. Yes. You will have it within the next thirty minutes.\n\nYep. No\n\nChannel 1: Alright.\n\nChannel 0: worries. If there's anything else you need, though, David, at any point in time, don't hesitate to give me a call. Okay?\n\nChannel 1: Alright. Thank you very much.\n\nChannel 0: No worries. You enjoy the rest of your afternoon.\n\nChannel 1: Okay. You too.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.02558542788028717}],"sentiment":"neutral","sentiment_score":0.02558542788028717,"channel":0,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hey, Vee.","start":2.48,"end":2.96,"sentiment":"neutral","sentiment_score":0.08137190714478493},{"text":"I've got David Nguyen on the phone.","start":2.96,"end":4.9,"sentiment":"neutral","sentiment_score":0.1052763792020934}],"sentiment":"neutral","sentiment_score":0.0999642743004693,"channel":1,"num_words":9,"start":2.48,"end":4.9},{"sentences":[{"text":"Oh, yeah.","start":5.3599997,"end":6.08,"sentiment":"positive","sentiment_score":0.38114556670188904},{"text":"Perfect.","start":6.08,"end":6.58,"sentiment":"positive","sentiment_score":0.7183136940002441},{"text":"Just let me get everything up for him.","start":6.72,"end":9.22,"sentiment":"positive","sentiment_score":0.5204630382359028}],"sentiment":"positive","sentiment_score":0.5131190121173859,"channel":0,"num_words":11,"start":5.3599997,"end":9.22},{"sentences":[{"text":"No problem.","start":9.84,"end":10.66,"sentiment":"neutral","sentiment_score":0.24521616101264954}],"sentiment":"neutral","sentiment_score":0.24521616101264954,"channel":1,"num_words":2,"start":9.84,"end":10.66},{"sentences":[{"text":"How does he sound?","start":11.679999,"end":12.48,"sentiment":"neutral","sentiment_score":0.09669732674956322},{"text":"Because he's always a little bit.","start":12.48,"end":14.099999,"sentiment":"neutral","sentiment_score":0.04404810629785061}],"sentiment":"neutral","sentiment_score":0.06510779447853565,"channel":0,"num_words":10,"start":11.679999,"end":14.099999},{"sentences":[{"text":"Yeah.","start":14.655001,"end":14.895,"sentiment":"neutral","sentiment_score":0.04210445284843445},{"text":"He sounds, like, very","start":14.895,"end":17.315,"sentiment":"neutral","sentiment_score":0.02725655073300004}],"sentiment":"neutral","sentiment_score":0.03022613115608692,"channel":1,"num_words":5,"start":14.655001,"end":17.315},{"sentences":[{"text":"Yeah.","start":17.215,"end":17.715,"sentiment":"neutral","sentiment_score":0.00928585510700941}],"sentiment":"neutral","sentiment_score":0.00928585510700941,"channel":0,"num_words":1,"start":17.215,"end":17.715},{"sentences":[{"text":"gray","start":17.455,"end":17.955,"sentiment":"neutral","sentiment_score":0.003640337847173214}],"sentiment":"neutral","sentiment_score":0.003640337847173214,"channel":1,"num_words":1,"start":17.455,"end":17.955},{"sentences":[{"text":"Yeah.","start":18.814999,"end":19.295,"sentiment":"neutral","sentiment_score":0.02439129911363125},{"text":"Oh.","start":19.295,"end":19.795,"sentiment":"neutral","sentiment_score":0.04752042889595032}],"sentiment":"neutral","sentiment_score":0.03595586400479078,"channel":0,"num_words":2,"start":18.814999,"end":19.795},{"sentences":[{"text":"is the best way to explain it.","start":19.535,"end":20.895,"sentiment":"neutral","sentiment_score":0.05163734406232834},{"text":"He said he said that he was like, you guys aren't in w because he had a missed call from WA, and I said we're not from WA.","start":20.895,"end":26.335,"sentiment":"neutral","sentiment_score":0.005473074436719928},{"text":"And he was like, well, if I do have a missed call from you guys then, I said, well, we definitely called.","start":26.335,"end":30.05,"sentiment":"neutral","sentiment_score":0.030102370645512234}],"sentiment":"neutral","sentiment_score":0.02064841485729343,"channel":1,"num_words":57,"start":19.535,"end":30.05},{"sentences":[{"text":"Yep.","start":30.51,"end":30.99,"sentiment":"neutral","sentiment_score":0.009018098935484886},{"text":"No.","start":30.99,"end":31.31,"sentiment":"neutral","sentiment_score":-0.08124910295009613},{"text":"It definitely has.","start":31.31,"end":32.69,"sentiment":"neutral","sentiment_score":-0.05867595598101616}],"sentiment":"neutral","sentiment_score":-0.04965177439153194,"channel":0,"num_words":5,"start":30.51,"end":32.69},{"sentences":[{"text":"Yeah.","start":33.309998,"end":33.809998,"sentiment":"neutral","sentiment_score":0.01703532598912716}],"sentiment":"neutral","sentiment_score":0.01703532598912716,"channel":1,"num_words":1,"start":33.309998,"end":33.809998},{"sentences":[{"text":"Okay.","start":34.43,"end":34.83,"sentiment":"neutral","sentiment_score":0.0931197702884674},{"text":"Let me have a look.","start":34.83,"end":36.45,"sentiment":"neutral","sentiment_score":0.09333158731460571},{"text":"And he's past security, and he's all good.","start":38.925003,"end":41.345,"sentiment":"neutral","sentiment_score":0.14249733462929726}],"sentiment":"neutral","sentiment_score":0.12141117027827672,"channel":0,"num_words":14,"start":34.43,"end":41.345},{"sentences":[{"text":"Yep.","start":41.405,"end":41.725,"sentiment":"neutral","sentiment_score":0.07842140644788742},{"text":"Baseball Security.","start":41.725,"end":42.625,"sentiment":"neutral","sentiment_score":0.11810509115457535}],"sentiment":"neutral","sentiment_score":0.10487719625234604,"channel":1,"num_words":3,"start":41.405,"end":42.625},{"sentences":[{"text":"Perfect.","start":43.805,"end":44.305,"sentiment":"positive","sentiment_score":0.3811110854148865},{"text":"Well, you can send him through when you're ready.","start":44.845,"end":47.585,"sentiment":"neutral","sentiment_score":0.23863281475173104}],"sentiment":"neutral","sentiment_score":0.2528806418180466,"channel":0,"num_words":10,"start":43.805,"end":47.585},{"sentences":[{"text":"Beautiful.","start":47.885,"end":48.385,"sentiment":"positive","sentiment_score":0.48067548871040344},{"text":"You've got David in 321.","start":48.445,"end":51.665,"sentiment":"neutral","sentiment_score":0.18204848170280458}],"sentiment":"neutral","sentiment_score":0.2318196495374044,"channel":1,"num_words":6,"start":47.885,"end":51.665},{"sentences":[{"text":"Good afternoon, David.","start":55.100002,"end":56.14,"sentiment":"neutral","sentiment_score":0.23081088066101074},{"text":"This is Veronica from Achieve Financial.","start":56.14,"end":58.08,"sentiment":"neutral","sentiment_score":0.18726141999165216},{"text":"How are you?","start":58.22,"end":59.04,"sentiment":"neutral","sentiment_score":0.13801788041989008},{"text":"Hello?","start":64.555,"end":64.955,"sentiment":"neutral","sentiment_score":0.015216042287647724},{"text":"Can you hear me?","start":64.955,"end":65.855,"sentiment":"neutral","sentiment_score":0.002661190228536725}],"sentiment":"neutral","sentiment_score":0.1327009180232006,"channel":0,"num_words":17,"start":55.100002,"end":65.855},{"sentences":[{"text":"You there?","start":70.185005,"end":70.76501,"sentiment":"neutral","sentiment_score":-0.002232150174677372}],"sentiment":"neutral","sentiment_score":-0.002232150174677372,"channel":1,"num_words":2,"start":70.185005,"end":70.76501},{"sentences":[{"text":"Yeah.","start":71.354996,"end":71.755,"sentiment":"neutral","sentiment_score":0.016173943877220154},{"text":"David, can you hear me?","start":71.755,"end":73.135,"sentiment":"neutral","sentiment_score":0.009762125089764595}],"sentiment":"neutral","sentiment_score":0.010830761554340521,"channel":0,"num_words":6,"start":71.354996,"end":73.135},{"sentences":[{"text":"Yes.","start":73.225006,"end":73.465004,"sentiment":"neutral","sentiment_score":0.04703297093510628},{"text":"I can.","start":73.465004,"end":74.125,"sentiment":"neutral","sentiment_score":0.06017934903502464}],"sentiment":"neutral","sentiment_score":0.05579722300171852,"channel":1,"num_words":3,"start":73.225006,"end":74.125},{"sentences":[{"text":"Yeah.","start":74.715,"end":75.035,"sentiment":"neutral","sentiment_score":0.07626458257436752},{"text":"This is Veronica from Oakview Financial.","start":75.035,"end":77.695,"sentiment":"neutral","sentiment_score":0.10503003125389417},{"text":"How are you?","start":77.835,"end":78.655,"sentiment":"neutral","sentiment_score":0.11840094377597173}],"sentiment":"neutral","sentiment_score":0.10616476014256478,"channel":0,"num_words":10,"start":74.715,"end":78.655},{"sentences":[{"text":"Yeah.","start":78.825005,"end":79.145004,"sentiment":"neutral","sentiment_score":0.12934774160385132},{"text":"Good day.","start":79.145004,"end":79.705,"sentiment":"neutral","sentiment_score":0.30175890028476715},{"text":"It's going.","start":79.705,"end":80.44501,"sentiment":"neutral","sentiment_score":0.26164671778678894}],"sentiment":"neutral","sentiment_score":0.2512317955493927,"channel":1,"num_words":5,"start":78.825005,"end":80.44501},{"sentences":[{"text":"Yeah.","start":81.170006,"end":81.490005,"sentiment":"neutral","sentiment_score":0.25715234875679016},{"text":"Good.","start":81.490005,"end":81.89,"sentiment":"positive","sentiment_score":0.44675153493881226},{"text":"Thanks for returning my callback.","start":81.89,"end":83.670006,"sentiment":"positive","sentiment_score":0.5634935855865478}],"sentiment":"positive","sentiment_score":0.5030531159469059,"channel":0,"num_words":7,"start":81.170006,"end":83.670006},{"sentences":[{"text":"It's okay.","start":85.04,"end":85.759995,"sentiment":"neutral","sentiment_score":0.2731012552976608},{"text":"Yep.","start":85.759995,"end":86.259995,"sentiment":"neutral","sentiment_score":0.1444558948278427},{"text":"I Yep.","start":86.32,"end":88.34,"sentiment":"neutral","sentiment_score":0.12092404812574387}],"sentiment":"neutral","sentiment_score":0.18650130033493043,"channel":1,"num_words":5,"start":85.04,"end":88.34},{"sentences":[{"text":"I had you booked in after our last conversation.","start":89.73,"end":92.975,"sentiment":"neutral","sentiment_score":0.1181241985824373},{"text":"I was reviewing your super investments to see if we could reduce some fees a little bit for you and also consider a couple of other industry funds to see what was going to be the best option for your superannuation moving forward.","start":94.314995,"end":107.93,"sentiment":"neutral","sentiment_score":0.17029204202252765},{"text":"Do you remember that","start":107.93,"end":108.81,"sentiment":"neutral","sentiment_score":0.016117085702717304}],"sentiment":"neutral","sentiment_score":0.1508954274468124,"channel":0,"num_words":56,"start":89.73,"end":108.81},{"sentences":[{"text":"Mhmm.","start":108.595,"end":109.095,"sentiment":"neutral","sentiment_score":0.012023921124637129}],"sentiment":"neutral","sentiment_score":0.012023921124637129,"channel":1,"num_words":1,"start":108.595,"end":109.095},{"sentences":[{"text":"conversation?","start":108.81,"end":109.31,"sentiment":"neutral","sentiment_score":0.018268944695591927}],"sentiment":"neutral","sentiment_score":0.018268944695591927,"channel":0,"num_words":1,"start":108.81,"end":109.31},{"sentences":[{"text":"Yes.","start":109.82,"end":110.14,"sentiment":"neutral","sentiment_score":0.05106383189558983},{"text":"I did.","start":110.14,"end":110.54,"sentiment":"neutral","sentiment_score":0.054498713463544846},{"text":"Yep.","start":110.54,"end":111.04,"sentiment":"neutral","sentiment_score":0.05610045790672302}],"sentiment":"neutral","sentiment_score":0.054040429182350636,"channel":1,"num_words":4,"start":109.82,"end":111.04},{"sentences":[{"text":"Yep.","start":110.97,"end":111.45,"sentiment":"neutral","sentiment_score":0.0841967910528183},{"text":"Perfect.","start":111.45,"end":111.85,"sentiment":"neutral","sentiment_score":0.2248184084892273},{"text":"And do you have time to go through that now?","start":111.85,"end":114.11,"sentiment":"neutral","sentiment_score":0.08411779887974262}],"sentiment":"neutral","sentiment_score":0.09584943236162265,"channel":0,"num_words":12,"start":110.97,"end":114.11},{"sentences":[{"text":"Yep.","start":114.46,"end":114.96,"sentiment":"neutral","sentiment_score":0.029804803431034088}],"sentiment":"neutral","sentiment_score":0.029804803431034088,"channel":1,"num_words":1,"start":114.46,"end":114.96},{"sentences":[{"text":"Yep.","start":115.369995,"end":115.695,"sentiment":"neutral","sentiment_score":0.05666555464267731},{"text":"Perfect.","start":116.015,"end":116.515,"sentiment":"neutral","sentiment_score":0.17431305348873138},{"text":"Now, David, do you have access to your emails at the moment?","start":116.975,"end":120.595,"sentiment":"neutral","sentiment_score":0.027287722565233707}],"sentiment":"neutral","sentiment_score":0.03988794849387237,"channel":0,"num_words":14,"start":115.369995,"end":120.595},{"sentences":[{"text":"I'm not in front of it, but","start":122.46,"end":124.08,"sentiment":"neutral","sentiment_score":-0.07309685700706073}],"sentiment":"neutral","sentiment_score":-0.07309685700706073,"channel":1,"num_words":7,"start":122.46,"end":124.08},{"sentences":[{"text":"Okay.","start":124.255,"end":124.755,"sentiment":"neutral","sentiment_score":-0.03239470347762108}],"sentiment":"neutral","sentiment_score":-0.03239470347762108,"channel":0,"num_words":1,"start":124.255,"end":124.755},{"sentences":[{"text":"I yeah.","start":125.635,"end":126.695,"sentiment":"neutral","sentiment_score":-0.03138579986989498}],"sentiment":"neutral","sentiment_score":-0.03138579986989498,"channel":1,"num_words":2,"start":125.635,"end":126.695},{"sentences":[{"text":"It's","start":127.295,"end":127.795,"sentiment":"neutral","sentiment_score":-0.03971383720636368}],"sentiment":"neutral","sentiment_score":-0.03971383720636368,"channel":0,"num_words":1,"start":127.295,"end":127.795},{"sentences":[{"text":"I'm I'm I'm at work in in a private room.","start":127.315,"end":130.295,"sentiment":"neutral","sentiment_score":-0.029900462180376054}],"sentiment":"neutral","sentiment_score":-0.029900462180376054,"channel":1,"num_words":10,"start":127.315,"end":130.295},{"sentences":[{"text":"no.","start":131.02,"end":131.26001,"sentiment":"neutral","sentiment_score":-0.04444783926010132},{"text":"That's okay.","start":131.26001,"end":132.24,"sentiment":"neutral","sentiment_score":-0.004936542507493869},{"text":"What I can do so what I have done is I have just sent you an email with the recommendation.","start":132.86,"end":138.08,"sentiment":"neutral","sentiment_score":0.2273459739983082}],"sentiment":"neutral","sentiment_score":0.19533037198656847,"channel":0,"num_words":23,"start":131.02,"end":138.08},{"sentences":[{"text":"Okay.","start":139.315,"end":139.815,"sentiment":"neutral","sentiment_score":0.23825836181640625}],"sentiment":"neutral","sentiment_score":0.23825836181640625,"channel":1,"num_words":1,"start":139.315,"end":139.815},{"sentences":[{"text":"But what I can do is I can just kind of quickly go through the main points with you.","start":139.42,"end":144.145,"sentiment":"neutral","sentiment_score":0.21571595417825798},{"text":"Then","start":144.44499,"end":144.925,"sentiment":"neutral","sentiment_score":0.12864580750465393}],"sentiment":"neutral","sentiment_score":0.21136244684457778,"channel":0,"num_words":20,"start":139.42,"end":144.925},{"sentences":[{"text":"Yep.","start":144.58,"end":145.08,"sentiment":"neutral","sentiment_score":0.14762842655181885}],"sentiment":"neutral","sentiment_score":0.14762842655181885,"channel":1,"num_words":1,"start":144.58,"end":145.08},{"sentences":[{"text":"later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document.","start":144.925,"end":152.125,"sentiment":"neutral","sentiment_score":0.19103337407112123},{"text":"And if you then have any other questions for me, we can always book in another catch up.","start":152.125,"end":157.51,"sentiment":"neutral","sentiment_score":0.2296465030974812},{"text":"Would that be okay with you?","start":157.51,"end":158.77,"sentiment":"neutral","sentiment_score":0.19438261787096658}],"sentiment":"neutral","sentiment_score":0.2056279003011937,"channel":0,"num_words":49,"start":144.925,"end":158.77},{"sentences":[{"text":"Yep.","start":158.435,"end":158.915,"sentiment":"neutral","sentiment_score":0.1732383370399475},{"text":"That's fine.","start":158.915,"end":159.655,"sentiment":"positive","sentiment_score":0.3439447432756424}],"sentiment":"neutral","sentiment_score":0.2870426078637441,"channel":1,"num_words":3,"start":158.435,"end":159.655},{"sentences":[{"text":"Yep.","start":159.63,"end":160.13,"sentiment":"positive","sentiment_score":0.4542192220687866},{"text":"Perfect.","start":160.35,"end":160.85,"sentiment":"positive","sentiment_score":0.6629767417907715},{"text":"Now when you do get to the email, it will ask you to click on the link where it says sign now.","start":161.63,"end":168.85,"sentiment":"neutral","sentiment_score":0.18407262116670609},{"text":"It won't ask you to sign right away, but clicking that link will allow you to open up and view the document.","start":169.325,"end":175.745,"sentiment":"neutral","sentiment_score":0.14465651119297201},{"text":"Only at the end will ask you to sign, which you don't have to do unless you are comfortable to do so.","start":176.44499,"end":181.405,"sentiment":"neutral","sentiment_score":0.04498878095976331}],"sentiment":"neutral","sentiment_score":0.13733808907187162,"channel":0,"num_words":68,"start":159.63,"end":181.405},{"sentences":[{"text":"Okay?","start":181.405,"end":181.905,"sentiment":"neutral","sentiment_score":0.06743701547384262}],"sentiment":"neutral","sentiment_score":0.06743701547384262,"channel":0,"num_words":1,"start":181.405,"end":181.905},{"sentences":[{"text":"Okay.","start":182.575,"end":183.075,"sentiment":"neutral","sentiment_score":0.10515642166137695}],"sentiment":"neutral","sentiment_score":0.10515642166137695,"channel":1,"num_words":1,"start":182.575,"end":183.075},{"sentences":[{"text":"Yep.","start":183.53,"end":184.03,"sentiment":"neutral","sentiment_score":0.14314523339271543},{"text":"Now when it actually comes through the statement of advice, it has been prepared and tailored directly for you.","start":184.56999,"end":192.18999,"sentiment":"neutral","sentiment_score":0.15302082347242454},{"text":"And it is a recommendation, but it also means that it is completely up to you if you would like to go ahead with the recommendation or not at the end of the day.","start":192.81,"end":202.405,"sentiment":"neutral","sentiment_score":0.08617730876978706}],"sentiment":"neutral","sentiment_score":0.11075128476928782,"channel":0,"num_words":54,"start":183.53,"end":202.405},{"sentences":[{"text":"Mhmm.","start":203.41,"end":203.91,"sentiment":"neutral","sentiment_score":0.03584909439086914}],"sentiment":"neutral","sentiment_score":0.03584909439086914,"channel":1,"num_words":1,"start":203.41,"end":203.91},{"sentences":[{"text":"Yep.","start":204.145,"end":204.645,"sentiment":"neutral","sentiment_score":0.05740747973322868},{"text":"Now when you have a look through the documents, you will also see my details listed on the cover page.","start":205.025,"end":210.99,"sentiment":"neutral","sentiment_score":0.06523752678185701},{"text":"So you will see my authorized representative number listed, and I am licensed under Oku Financial.","start":210.99,"end":217.65001,"sentiment":"neutral","sentiment_score":0.07523424923419952},{"text":"Now on page two, it talks a little bit about the best interest duty, which you may have heard before.","start":218.83,"end":226.29001,"sentiment":"neutral","sentiment_score":0.0139386635273695},{"text":"But, essentially, what it means is 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":226.905,"end":238.84499,"sentiment":"neutral","sentiment_score":0.061063777551882796}],"sentiment":"neutral","sentiment_score":0.05422554048959927,"channel":0,"num_words":93,"start":204.145,"end":238.84499},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":239.35,"end":241.53,"sentiment":"neutral","sentiment_score":-0.11829633904354912},{"text":"Does that make sense, David?","start":241.99,"end":243.29001,"sentiment":"neutral","sentiment_score":0.04768879786133766}],"sentiment":"neutral","sentiment_score":-0.04913586533317963,"channel":0,"num_words":12,"start":239.35,"end":243.29001},{"sentences":[{"text":"Yep.","start":243.885,"end":244.385,"sentiment":"neutral","sentiment_score":0.09750102460384368}],"sentiment":"neutral","sentiment_score":0.09750102460384368,"channel":1,"num_words":1,"start":243.885,"end":244.385},{"sentences":[{"text":"Yep.","start":244.71,"end":245.19,"sentiment":"neutral","sentiment_score":0.1758202612400055},{"text":"Beautiful.","start":245.19,"end":245.69,"sentiment":"positive","sentiment_score":0.6127545833587646},{"text":"Now today is pretty straightforward.","start":246.07,"end":248.41,"sentiment":"positive","sentiment_score":0.45510199666023254},{"text":"What we are looking at today is your superannuation and your investment specifically within your superannuation.","start":249.75,"end":256.98502,"sentiment":"neutral","sentiment_score":0.1886161621659994},{"text":"Not making any changes in regards to insurances or anything else.","start":258.48502,"end":262.565,"sentiment":"neutral","sentiment_score":-0.017226076261563736}],"sentiment":"neutral","sentiment_score":0.17330754657878594,"channel":0,"num_words":34,"start":244.71,"end":262.565},{"sentences":[{"text":"Literally just focusing on your superannuation today.","start":262.565,"end":265.545,"sentiment":"neutral","sentiment_score":0.21361822528498514}],"sentiment":"neutral","sentiment_score":0.21361822528498514,"channel":0,"num_words":7,"start":262.565,"end":265.545},{"sentences":[{"text":"Mhmm.","start":266.53,"end":267.03,"sentiment":"neutral","sentiment_score":-0.0053703817538917065}],"sentiment":"neutral","sentiment_score":-0.0053703817538917065,"channel":1,"num_words":1,"start":266.53,"end":267.03},{"sentences":[{"text":"Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through","start":267.75,"end":279.77,"sentiment":"neutral","sentiment_score":0.2658709393193324}],"sentiment":"neutral","sentiment_score":0.2658709393193324,"channel":0,"num_words":24,"start":267.75,"end":279.77},{"sentences":[{"text":"I","start":279.715,"end":280.035,"sentiment":"neutral","sentiment_score":0.17292635142803192}],"sentiment":"neutral","sentiment_score":0.17292635142803192,"channel":1,"num_words":1,"start":279.715,"end":280.035},{"sentences":[{"text":"to","start":279.90997,"end":280.40997,"sentiment":"neutral","sentiment_score":0.13996103405952454}],"sentiment":"neutral","sentiment_score":0.13996103405952454,"channel":0,"num_words":1,"start":279.90997,"end":280.40997},{"sentences":[{"text":"I am on it now on my phone.","start":280.035,"end":281.895,"sentiment":"neutral","sentiment_score":0.16079765185713768},{"text":"Page 12.","start":282.035,"end":282.935,"sentiment":"neutral","sentiment_score":0.20613760501146317}],"sentiment":"neutral","sentiment_score":0.1698656424880028,"channel":1,"num_words":10,"start":280.035,"end":282.935},{"sentences":[{"text":"oh, beautiful.","start":282.635,"end":283.455,"sentiment":"positive","sentiment_score":0.7492318749427795}],"sentiment":"positive","sentiment_score":0.7492318749427795,"channel":0,"num_words":2,"start":282.635,"end":283.455},{"sentences":[{"text":"Yep.","start":283.74002,"end":284.24002,"sentiment":"positive","sentiment_score":0.5098861455917358}],"sentiment":"positive","sentiment_score":0.5098861455917358,"channel":1,"num_words":1,"start":283.74002,"end":284.24002},{"sentences":[{"text":"Yeah.","start":283.915,"end":284.415,"sentiment":"neutral","sentiment_score":0.29903271794319153},{"text":"So if you can scroll down to page 12 for me, you should see where it says strategy recommendation.","start":284.795,"end":290.575,"sentiment":"neutral","sentiment_score":0.12852623548946882},{"text":"And it says, David, retain your hub 24 and change your underlying investments.","start":291.675,"end":294.9461,"sentiment":"neutral","sentiment_score":0.09436487864989501},{"text":"Can you see where I'm up to?","start":294.9461,"end":295.695,"sentiment":"neutral","sentiment_score":0.08082217457039016},{"text":"Can you see where I'm up to?","start":296.92,"end":298.7,"sentiment":"neutral","sentiment_score":0.059941990567105155}],"sentiment":"neutral","sentiment_score":0.10538561214157875,"channel":0,"num_words":47,"start":283.915,"end":298.7},{"sentences":[{"text":"Yes.","start":305.96002,"end":306.46002,"sentiment":"neutral","sentiment_score":0.16337621212005615}],"sentiment":"neutral","sentiment_score":0.16337621212005615,"channel":0,"num_words":1,"start":305.96002,"end":306.46002},{"sentences":[{"text":"Yep.","start":306.975,"end":307.475,"sentiment":"neutral","sentiment_score":0.18677771091461184}],"sentiment":"neutral","sentiment_score":0.18677771091461184,"channel":1,"num_words":1,"start":306.975,"end":307.475},{"sentences":[{"text":"So, basically, to make it easier, if you want to scroll down to page 15, I find it sometimes makes it a little bit easier because it outlines the actual recommendation in a table format.","start":308.44,"end":326.33502,"sentiment":"neutral","sentiment_score":0.29527125699179513},{"text":"So what you just kind of scrolled past is","start":327.24,"end":331.48,"sentiment":"neutral","sentiment_score":0.11048599042826229}],"sentiment":"neutral","sentiment_score":0.2574742706492543,"channel":0,"num_words":44,"start":308.44,"end":331.48},{"sentences":[{"text":"Mhmm.","start":331.415,"end":331.915,"sentiment":"neutral","sentiment_score":0.06356123089790344}],"sentiment":"neutral","sentiment_score":0.06356123089790344,"channel":1,"num_words":1,"start":331.415,"end":331.915},{"sentences":[{"text":"just kind of talking in words, what I will go through with you now.","start":331.48,"end":335.26,"sentiment":"neutral","sentiment_score":0.10799275258822101},{"text":"I will have you let you have a read over that in your own time, But it basically talks about how the recommendation aligns with that best interest duty along with all the advantages, couple of disadvantages, some risks to be mindful of when it comes to the recommendation.","start":335.48,"end":352.77502,"sentiment":"neutral","sentiment_score":0.1681300787901392},{"text":"Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible.","start":354.27,"end":364.53,"sentiment":"neutral","sentiment_score":0.26779851432030016},{"text":"I did also consider a couple of different industry funds.","start":365.23,"end":369.765,"sentiment":"neutral","sentiment_score":0.1582658089697361},{"text":"Now in the appendix, which I will go through with you later, I have included options for a similar table to the one you see in front of you comparing what I have recommended against Australia Super and also against HESTA so that you can actually see all the numbers and the outcomes in front of you.","start":369.765,"end":392.37,"sentiment":"neutral","sentiment_score":0.2966568911807579}],"sentiment":"neutral","sentiment_score":0.22567394010436076,"channel":0,"num_words":156,"start":331.48,"end":392.37},{"sentences":[{"text":"And when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement.","start":392.99002,"end":408.38498,"sentiment":"neutral","sentiment_score":0.3328573031480922},{"text":"But I will show you those tables as well so that you can actually see that comparison as well.","start":408.525,"end":413.00497,"sentiment":"neutral","sentiment_score":0.306361690947884},{"text":"Okay?","start":413.00497,"end":413.50497,"sentiment":"neutral","sentiment_score":0.09351132810115814}],"sentiment":"neutral","sentiment_score":0.3210674204996654,"channel":0,"num_words":63,"start":392.99002,"end":413.50497},{"sentences":[{"text":"Mhmm.","start":414.355,"end":414.855,"sentiment":"neutral","sentiment_score":0.06601357460021973}],"sentiment":"neutral","sentiment_score":0.06601357460021973,"channel":1,"num_words":1,"start":414.355,"end":414.855},{"sentences":[{"text":"Now when it comes to your investment, so that is basically what I have recommended that we change.","start":417.38998,"end":423.09,"sentiment":"neutral","sentiment_score":0.11286978671948115},{"text":"So like I said, I also compared other, sophisticated platform similar to Hub 24 just to make sure it was still going to be the best option for you.","start":423.55,"end":433.215,"sentiment":"neutral","sentiment_score":0.26283587977803985},{"text":"And it's very competitive when it comes to the fees, investment choices, and flexibility with investment.","start":433.435,"end":440.255,"sentiment":"positive","sentiment_score":0.7734688371419907},{"text":"So in Hub twenty four, you have hundreds of different investment options to choose from, which is how we can put together the investment portfolio and give you those returns.","start":441.115,"end":450.8,"sentiment":"positive","sentiment_score":0.6079675247271855},{"text":"Now when it actually comes to the investments, you can see here that literally just by changing some of your investment, it is saving you about $460 a 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you","start":467.595,"end":467.915,"sentiment":"neutral","sentiment_score":0.0800275132060051}],"sentiment":"neutral","sentiment_score":0.0800275132060051,"channel":1,"num_words":2,"start":467.595,"end":467.915},{"sentences":[{"text":"alone.","start":467.845,"end":468.345,"sentiment":"neutral","sentiment_score":0.10451295971870422}],"sentiment":"neutral","sentiment_score":0.10451295971870422,"channel":0,"num_words":1,"start":467.845,"end":468.345},{"sentences":[{"text":"going off now?","start":467.915,"end":468.975,"sentiment":"neutral","sentiment_score":0.03693783904115359}],"sentiment":"neutral","sentiment_score":0.03693783904115359,"channel":1,"num_words":3,"start":467.915,"end":468.975},{"sentences":[{"text":"Take 15 still.","start":469.685,"end":471.065,"sentiment":"neutral","sentiment_score":0.04402626740435759}],"sentiment":"neutral","sentiment_score":0.04402626740435759,"channel":0,"num_words":3,"start":469.685,"end":471.065},{"sentences":[{"text":"Okay.","start":471.44,"end":471.75998,"sentiment":"neutral","sentiment_score":0.050287432968616486},{"text":"Still on Tuesday.","start":471.75998,"end":472.66,"sentiment":"neutral","sentiment_score":0.050091698144872986}],"sentiment":"neutral","sentiment_score":0.05014063185080886,"channel":1,"num_words":4,"start":471.44,"end":472.66},{"sentences":[{"text":"Yeah.","start":473.54,"end":474.04,"sentiment":"neutral","sentiment_score":0.06736157089471817}],"sentiment":"neutral","sentiment_score":0.06736157089471817,"channel":0,"num_words":1,"start":473.54,"end":474.04},{"sentences":[{"text":"Okay.","start":473.68,"end":474.18,"sentiment":"neutral","sentiment_score":0.05873384326696396}],"sentiment":"neutral","sentiment_score":0.05873384326696396,"channel":1,"num_words":1,"start":473.68,"end":474.18},{"sentences":[{"text":"Can you see that table still?","start":475.22,"end":476.84,"sentiment":"neutral","sentiment_score":0.05133143377800783}],"sentiment":"neutral","sentiment_score":0.05133143377800783,"channel":0,"num_words":6,"start":475.22,"end":476.84},{"sentences":[{"text":"Yep.","start":476.8,"end":477.3,"sentiment":"neutral","sentiment_score":0.07646149396896362},{"text":"Yes.","start":477.36,"end":477.6,"sentiment":"neutral","sentiment_score":0.07357314974069595},{"text":"Okay.","start":477.6,"end":478.1,"sentiment":"neutral","sentiment_score":0.06475323438644409}],"sentiment":"neutral","sentiment_score":0.07159595936536789,"channel":1,"num_words":3,"start":476.8,"end":478.1},{"sentences":[{"text":"Yes.","start":478.42,"end":478.9,"sentiment":"neutral","sentiment_score":0.0650307685136795},{"text":"Yeah.","start":478.9,"end":479.30002,"sentiment":"neutral","sentiment_score":0.052987512201070786},{"text":"So where is this the total cost?","start":479.30002,"end":481.4,"sentiment":"neutral","sentiment_score":0.05484750733843872},{"text":"So kind of one, two, three, four four rows from the bottom.","start":482.02002,"end":486.28,"sentiment":"neutral","sentiment_score":0.047884102910757065},{"text":"It says total","start":486.57498,"end":487.635,"sentiment":"neutral","sentiment_score":0.06714809313416481}],"sentiment":"neutral","sentiment_score":0.05325018110064169,"channel":0,"num_words":24,"start":478.42,"end":487.635},{"sentences":[{"text":"Mhmm.","start":487.245,"end":487.745,"sentiment":"neutral","sentiment_score":0.05296447873115539}],"sentiment":"neutral","sentiment_score":0.05296447873115539,"channel":1,"num_words":1,"start":487.245,"end":487.745},{"sentences":[{"text":"cost, and you can see there the difference.","start":487.695,"end":490.275,"sentiment":"neutral","sentiment_score":0.06087624887004495},{"text":"So the difference column is then showing you the difference between it.","start":490.975,"end":495.155,"sentiment":"neutral","sentiment_score":0.07266675463567178},{"text":"Now by changing the investment fees, because that is the only thing we are doing, we're not changing contributions.","start":495.695,"end":500.995,"sentiment":"neutral","sentiment_score":0.08134464645072033},{"text":"We're not changing insurances or anything like that.","start":501.29498,"end":504.85,"sentiment":"neutral","sentiment_score":0.0010215474758297205},{"text":"Literally, just the investments within hub twenty four.","start":504.85,"end":507.99,"sentiment":"positive","sentiment_score":0.35788675025105476}],"sentiment":"neutral","sentiment_score":0.10501501292667606,"channel":0,"num_words":55,"start":487.695,"end":507.99},{"sentences":[{"text":"You can see that it is reducing your fees a little bit each year, which does make a bit of a difference.","start":508.21,"end":514.31,"sentiment":"positive","sentiment_score":0.4655198129740628}],"sentiment":"positive","sentiment_score":0.4655198129740628,"channel":0,"num_words":22,"start":508.21,"end":514.31},{"sentences":[{"text":"When did you say say, this is just about changing the inspection?","start":515.545,"end":520.125,"sentiment":"neutral","sentiment_score":-0.006083041119078795},{"text":"No.","start":520.505,"end":521.005,"sentiment":"neutral","sentiment_score":-0.2334134876728058},{"text":"It has nothing to do with any of the above above the tables.","start":521.545,"end":525.805,"sentiment":"neutral","sentiment_score":-0.15876862349418494}],"sentiment":"neutral","sentiment_score":-0.09116931102023675,"channel":1,"num_words":26,"start":515.545,"end":525.805},{"sentences":[{"text":"Sorry, David.","start":533.74,"end":534.38,"sentiment":"negative","sentiment_score":-0.34941326081752777},{"text":"It's just a little bit hard to hear you.","start":534.38,"end":535.98,"sentiment":"negative","sentiment_score":-0.4705604712168376},{"text":"What did you say there?","start":535.98,"end":537.12,"sentiment":"neutral","sentiment_score":-0.2471895694732666},{"text":"So, basically, what I have recommended is just to change your investments and no other changes.","start":552.09,"end":557.13,"sentiment":"neutral","sentiment_score":-0.032124748919159174},{"text":"So not changing your super fund, not changing contributions, not changing insurances.","start":557.13,"end":562.27,"sentiment":"neutral","sentiment_score":-0.02886928493777911}],"sentiment":"neutral","sentiment_score":-0.15977831845256416,"channel":0,"num_words":44,"start":533.74,"end":562.27},{"sentences":[{"text":"And the table you see on front of you shows","start":562.89,"end":566.875,"sentiment":"neutral","sentiment_score":0.14172303825616836}],"sentiment":"neutral","sentiment_score":0.14172303825616836,"channel":0,"num_words":10,"start":562.89,"end":566.875},{"sentences":[{"text":"Mhmm.","start":566.76,"end":567.26,"sentiment":"neutral","sentiment_score":0.06765641272068024}],"sentiment":"neutral","sentiment_score":0.06765641272068024,"channel":1,"num_words":1,"start":566.76,"end":567.26},{"sentences":[{"text":"you on page 15 the fee difference and the return with the changes in investments alone.","start":566.875,"end":575.775,"sentiment":"neutral","sentiment_score":0.08797358581796288},{"text":"So what it shows is it shows your total admin fees, your current admin fees, and the recommended.","start":576.315,"end":581.535,"sentiment":"neutral","sentiment_score":0.14289232302043173},{"text":"It shows the change in the investment fees.","start":582.3,"end":585.2,"sentiment":"neutral","sentiment_score":0.1752021061256528},{"text":"So you can see that that has been reduced for you.","start":585.58,"end":588.64,"sentiment":"positive","sentiment_score":0.3384127752347426},{"text":"Other fees is associated with hub twenty four, so that stays the same.","start":589.10004,"end":593.68,"sentiment":"neutral","sentiment_score":0.16217726927537185}],"sentiment":"neutral","sentiment_score":0.16988031916094548,"channel":0,"num_words":66,"start":566.875,"end":593.68},{"sentences":[{"text":"And then the rest is your adviser fees, contributions, and insurances.","start":594.875,"end":600.655,"sentiment":"neutral","sentiment_score":0.07431894303722815},{"text":"So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table","start":601.515,"end":611.34,"sentiment":"neutral","sentiment_score":0.0717892749235034}],"sentiment":"neutral","sentiment_score":0.07250277105814372,"channel":0,"num_words":39,"start":594.875,"end":611.34},{"sentences":[{"text":"Okay.","start":611.245,"end":611.745,"sentiment":"neutral","sentiment_score":0.09842362999916077}],"sentiment":"neutral","sentiment_score":0.09842362999916077,"channel":1,"num_words":1,"start":611.245,"end":611.745},{"sentences":[{"text":"later on so you can see exactly which one I have recommended.","start":611.34,"end":614.4,"sentiment":"neutral","sentiment_score":0.10785553914805253},{"text":"Okay?","start":614.46,"end":614.96,"sentiment":"neutral","sentiment_score":0.09291739761829376},{"text":"Yep.","start":616.62,"end":617.12,"sentiment":"neutral","sentiment_score":0.2218174189329147},{"text":"Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average.","start":617.58,"end":627.715,"sentiment":"neutral","sentiment_score":0.20450836482147375},{"text":"So that is the five year rolling average, the return on your investment.","start":628.17505,"end":632.59503,"sentiment":"neutral","sentiment_score":0.30439969782645887}],"sentiment":"neutral","sentiment_score":0.20538035517229752,"channel":0,"num_words":51,"start":611.34,"end":632.59503},{"sentences":[{"text":"It shows you your current portfolio in Hub '24, but it also then compares the the new recommended.","start":633.6,"end":641.7,"sentiment":"neutral","sentiment_score":0.32634598430660033},{"text":"And you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%.","start":642.64,"end":654.735,"sentiment":"positive","sentiment_score":0.5844743807207454},{"text":"Now it might not look like it much, but it does compound.","start":655.355,"end":658.89496,"sentiment":"neutral","sentiment_score":0.19545236291984716},{"text":"So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you.","start":659.115,"end":674.22,"sentiment":"neutral","sentiment_score":0.2704650107771158},{"text":"Does that make sense?","start":678.135,"end":679.355,"sentiment":"neutral","sentiment_score":0.13251717574894428}],"sentiment":"positive","sentiment_score":0.3438981988213279,"channel":0,"num_words":88,"start":633.6,"end":679.355},{"sentences":[{"text":"Yeah.","start":680.935,"end":681.435,"sentiment":"neutral","sentiment_score":0.0698145255446434},{"text":"Yeah.","start":683.735,"end":684.235,"sentiment":"neutral","sentiment_score":0.04434739798307419}],"sentiment":"neutral","sentiment_score":0.057080961763858795,"channel":0,"num_words":2,"start":680.935,"end":684.235},{"sentences":[{"text":"Unless","start":693.51,"end":694.01,"sentiment":"neutral","sentiment_score":0.007175948470830917}],"sentiment":"neutral","sentiment_score":0.007175948470830917,"channel":1,"num_words":1,"start":693.51,"end":694.01},{"sentences":[{"text":"Yes.","start":695.11005,"end":695.61005,"sentiment":"neutral","sentiment_score":0.0038552498444914818}],"sentiment":"neutral","sentiment_score":0.0038552498444914818,"channel":0,"num_words":1,"start":695.11005,"end":695.61005},{"sentences":[{"text":"the other things are the same, and then the","start":697.27,"end":701.03,"sentiment":"neutral","sentiment_score":0.009178908748759164}],"sentiment":"neutral","sentiment_score":0.009178908748759164,"channel":1,"num_words":9,"start":697.27,"end":701.03},{"sentences":[{"text":"Yep.","start":700.79004,"end":701.29004,"sentiment":"neutral","sentiment_score":0.02060724049806595}],"sentiment":"neutral","sentiment_score":0.02060724049806595,"channel":0,"num_words":1,"start":700.79004,"end":701.29004},{"sentences":[{"text":"price is paid up.","start":701.03,"end":702.79004,"sentiment":"neutral","sentiment_score":0.031974902376532555},{"text":"Alright?","start":702.79004,"end":703.29004,"sentiment":"neutral","sentiment_score":0.04243449121713638}],"sentiment":"neutral","sentiment_score":0.03406682014465332,"channel":1,"num_words":5,"start":701.03,"end":703.29004},{"sentences":[{"text":"The adviser fee, the percentage stays the same, so there's no changes.","start":704.57495,"end":709.63495,"sentiment":"neutral","sentiment_score":0.06985407850394647},{"text":"The only reason why because it is a percentage of your balance, and this factors in the compounding return.","start":710.33496,"end":717.79,"sentiment":"neutral","sentiment_score":0.05372767385683561},{"text":"So we're not changing the fee structure.","start":718.25,"end":720.83,"sentiment":"neutral","sentiment_score":-0.10226318772350039},{"text":"The percentage stays the same.","start":720.89,"end":723.07,"sentiment":"neutral","sentiment_score":0.06073136776685715},{"text":"The only reason why it looks to be a little bit more is because the new recommended portfolio is predicted to perform better than your current.","start":723.45,"end":734.195,"sentiment":"neutral","sentiment_score":0.26640988829044193}],"sentiment":"neutral","sentiment_score":0.12135574442968852,"channel":0,"num_words":69,"start":704.57495,"end":734.195},{"sentences":[{"text":"Therefore, you will have more money in superannuation.","start":734.495,"end":736.995,"sentiment":"neutral","sentiment_score":0.2669097315520048},{"text":"And on a dollar figure, that amount will be higher because you have more money in super.","start":737.775,"end":743.395,"sentiment":"neutral","sentiment_score":0.12106986124725903},{"text":"The percentage fee stays the same, though.","start":743.81,"end":746.79,"sentiment":"neutral","sentiment_score":-0.0007777011820248195},{"text":"Correct.","start":746.85,"end":747.35,"sentiment":"neutral","sentiment_score":0.04945673793554306},{"text":"These are all annual fees.","start":751.08997,"end":752.70996,"sentiment":"neutral","sentiment_score":0.04375606328248978}],"sentiment":"neutral","sentiment_score":0.11726996420245421,"channel":0,"num_words":38,"start":734.495,"end":752.70996},{"sentences":[{"text":"Does that make sense?","start":755.32996,"end":756.47,"sentiment":"neutral","sentiment_score":0.0605767909437418},{"text":"Yes.","start":758.375,"end":758.875,"sentiment":"neutral","sentiment_score":0.12320085614919662},{"text":"Yep.","start":759.33496,"end":759.815,"sentiment":"neutral","sentiment_score":0.14134302735328674},{"text":"So page 16, it then shows you five and ten years.","start":759.815,"end":763.415,"sentiment":"neutral","sentiment_score":0.13156419856981796},{"text":"So, basically, following up from the table you just saw, it is just","start":763.415,"end":767.735,"sentiment":"neutral","sentiment_score":0.17530697354903588}],"sentiment":"neutral","sentiment_score":0.14110159625609717,"channel":0,"num_words":30,"start":755.32996,"end":767.735},{"sentences":[{"text":"Yep.","start":767.515,"end":768.015,"sentiment":"neutral","sentiment_score":0.13177762925624847}],"sentiment":"neutral","sentiment_score":0.13177762925624847,"channel":1,"num_words":1,"start":767.515,"end":768.015},{"sentences":[{"text":"compounding everything forward.","start":767.735,"end":769.675,"sentiment":"neutral","sentiment_score":0.22009443740049997},{"text":"Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see.","start":770.18,"end":779.8,"sentiment":"neutral","sentiment_score":0.18456119298934937},{"text":"Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change.","start":780.01996,"end":790.765,"sentiment":"neutral","sentiment_score":0.24222636421521504},{"text":"So we like to use a little bit longer time frame to give us that certainty, but I have also showed you the twelve month comparison, three years, five years, and ten year comparison.","start":790.765,"end":803.25,"sentiment":"neutral","sentiment_score":0.11955830257605105},{"text":"Okay?","start":803.39,"end":803.89,"sentiment":"neutral","sentiment_score":0.07828395068645477}],"sentiment":"neutral","sentiment_score":0.17956306125658253,"channel":0,"num_words":96,"start":767.735,"end":803.89},{"sentences":[{"text":"Okay.","start":804.795,"end":805.295,"sentiment":"neutral","sentiment_score":0.07404114305973053}],"sentiment":"neutral","sentiment_score":0.07404114305973053,"channel":1,"num_words":1,"start":804.795,"end":805.295},{"sentences":[{"text":"Yep.","start":805.79,"end":806.29,"sentiment":"neutral","sentiment_score":0.06577028334140778},{"text":"Now","start":806.67,"end":807.15,"sentiment":"neutral","sentiment_score":0.029969101771712303}],"sentiment":"neutral","sentiment_score":0.04786969255656004,"channel":0,"num_words":2,"start":805.79,"end":807.15},{"sentences":[{"text":"Yep.","start":806.82996,"end":807.32996,"sentiment":"neutral","sentiment_score":0.007963389158248901}],"sentiment":"neutral","sentiment_score":0.007963389158248901,"channel":1,"num_words":1,"start":806.82996,"end":807.32996},{"sentences":[{"text":"with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change.","start":807.15,"end":825.92,"sentiment":"neutral","sentiment_score":-0.18428637159554087},{"text":"So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid.","start":825.92,"end":837.42505,"sentiment":"negative","sentiment_score":-0.36423446348419897},{"text":"Now that is within superannuation, so you don't pay for anything yourself.","start":837.885,"end":842.205,"sentiment":"neutral","sentiment_score":-0.037688068890323244},{"text":"You don't have to declare it.","start":842.205,"end":843.825,"sentiment":"neutral","sentiment_score":-0.03263950146113833},{"text":"It is all within superannuation, but it is something I do wanna let you know.","start":843.885,"end":848.94,"sentiment":"neutral","sentiment_score":0.10438154737154642}],"sentiment":"neutral","sentiment_score":-0.16221955554624634,"channel":0,"num_words":97,"start":807.15,"end":848.94},{"sentences":[{"text":"Now I've tried to minimize that as much as possible for you because I don't want you to have to pay any unnecessary tax tax and kinda minimize that.","start":849.42,"end":858.8,"sentiment":"neutral","sentiment_score":0.04162853879147563},{"text":"But it is estimated to be about $68 to make this investment change, and that is just tax paid for your change of investments.","start":859.1,"end":869.34503,"sentiment":"neutral","sentiment_score":0.0827854194988807},{"text":"Does that make sense?","start":869.885,"end":871.10504,"sentiment":"neutral","sentiment_score":0.04624677449464798}],"sentiment":"neutral","sentiment_score":0.05928183843692144,"channel":0,"num_words":57,"start":849.42,"end":871.10504},{"sentences":[{"text":"So $68 for 22 to the first one's register, and then this is gonna be capital gains taxes within that.","start":872.26,"end":881.465,"sentiment":"neutral","sentiment_score":-0.04904737928882241}],"sentiment":"neutral","sentiment_score":-0.04904737928882241,"channel":1,"num_words":20,"start":872.26,"end":881.465},{"sentences":[{"text":"So capital the capital gains tax is estimated to be $68.","start":882.22,"end":886.32,"sentiment":"neutral","sentiment_score":-0.07743839174509048}],"sentiment":"neutral","sentiment_score":-0.07743839174509048,"channel":0,"num_words":11,"start":882.22,"end":886.32},{"sentences":[{"text":"Right.","start":887.045,"end":887.205,"sentiment":"neutral","sentiment_score":0.03859866410493851},{"text":"In total.","start":887.205,"end":887.945,"sentiment":"neutral","sentiment_score":0.045749496668577194}],"sentiment":"neutral","sentiment_score":0.04336588581403097,"channel":1,"num_words":3,"start":887.045,"end":887.945},{"sentences":[{"text":"Correct.","start":888.62,"end":889.12,"sentiment":"neutral","sentiment_score":0.12459800392389296},{"text":"Yes.","start":889.33997,"end":889.83997,"sentiment":"neutral","sentiment_score":0.14534835517406464}],"sentiment":"neutral","sentiment_score":0.1349731795489788,"channel":0,"num_words":2,"start":888.62,"end":889.83997},{"sentences":[{"text":"Put everything that's sold within within the super.","start":889.60504,"end":892.825,"sentiment":"neutral","sentiment_score":0.11220512352883816}],"sentiment":"neutral","sentiment_score":0.11220512352883816,"channel":1,"num_words":8,"start":889.60504,"end":892.825},{"sentences":[{"text":"For everything I have recommended, that would change.","start":892.445,"end":894.28503,"sentiment":"neutral","sentiment_score":0.10037330072373152},{"text":"Yes.","start":894.28503,"end":894.78503,"sentiment":"neutral","sentiment_score":0.07150855660438538},{"text":"So it is quite minimal, and, obviously, it can change as market prices and everything does change and fluctuate.","start":895.005,"end":901.425,"sentiment":"neutral","sentiment_score":-0.0679477010118334},{"text":"So it can change a little bit.","start":902.205,"end":904.02,"sentiment":"neutral","sentiment_score":-0.09841529386384147},{"text":"But, yes, it is estimated a total of $68.","start":904.18,"end":907.96,"sentiment":"neutral","sentiment_score":0.014937064299980799}],"sentiment":"neutral","sentiment_score":-0.022067837163128635,"channel":0,"num_words":44,"start":892.445,"end":907.96},{"sentences":[{"text":"Now I did consider, obviously, moving to Australian super and HESTA and other options.","start":908.9,"end":914.68,"sentiment":"neutral","sentiment_score":-0.01821097669640689},{"text":"And by doing so, we would have to obviously sell all your investments.","start":915.30005,"end":918.92004,"sentiment":"neutral","sentiment_score":-0.061011748818250805},{"text":"And the capital gains tax by doing so would be around $4,659.","start":919.96497,"end":927.665,"sentiment":"neutral","sentiment_score":-0.21289603970944881},{"text":"So, obviously, way higher.","start":927.96497,"end":929.165,"sentiment":"neutral","sentiment_score":-0.30492185801267624},{"text":"So I've obviously tried to reduce that as much as I can and got it down through about $68.","start":929.165,"end":934.785,"sentiment":"neutral","sentiment_score":-0.10958120462141539}],"sentiment":"neutral","sentiment_score":-0.11136434201222484,"channel":0,"num_words":62,"start":908.9,"end":934.785},{"sentences":[{"text":"Correct.","start":939.81995,"end":940.31995,"sentiment":"neutral","sentiment_score":-0.004532277584075928},{"text":"No.","start":941.18,"end":941.57996,"sentiment":"neutral","sentiment_score":-0.30553609132766724},{"text":"Just in total.","start":941.57996,"end":942.56,"sentiment":"neutral","sentiment_score":-0.2741570472717285},{"text":"Because we're not doing a lot of changes for your investments.","start":942.94,"end":945.6,"sentiment":"negative","sentiment_score":-0.5270455289970745},{"text":"It's very minimal.","start":945.66,"end":946.72,"sentiment":"negative","sentiment_score":-0.4053771545489629}],"sentiment":"negative","sentiment_score":-0.42874588386008616,"channel":0,"num_words":19,"start":939.81995,"end":946.72},{"sentences":[{"text":"Now what that looks like in terms of the investment change is then on page 17 for you, so the following page.","start":950.395,"end":957.935,"sentiment":"neutral","sentiment_score":0.01416043992238966},{"text":"Let me know if you can see that.","start":959.61,"end":961.39,"sentiment":"neutral","sentiment_score":0.02581658004783094},{"text":"Now what you can yeah.","start":961.53,"end":963.93,"sentiment":"neutral","sentiment_score":0.04291449636220932},{"text":"You can see that okay?","start":963.93,"end":965.07,"sentiment":"neutral","sentiment_score":0.07876545339822769},{"text":"Yep.","start":966.49,"end":966.97003,"sentiment":"neutral","sentiment_score":0.23326405882835388}],"sentiment":"neutral","sentiment_score":0.033164051861116074,"channel":0,"num_words":41,"start":950.395,"end":966.97003},{"sentences":[{"text":"Perfect.","start":966.97003,"end":967.47003,"sentiment":"positive","sentiment_score":0.5343620181083679},{"text":"Now what you can see is you can see your current investment.","start":967.69,"end":970.91003,"sentiment":"neutral","sentiment_score":0.16943318831423917},{"text":"You can see the investment name.","start":970.97003,"end":972.91003,"sentiment":"neutral","sentiment_score":0.10310592874884605},{"text":"You can also see the the special code associated with these investments, your current weight, so how much you currently","start":973.635,"end":982.375,"sentiment":"neutral","sentiment_score":0.07979235388338565}],"sentiment":"neutral","sentiment_score":0.12261648533435968,"channel":0,"num_words":39,"start":966.97003,"end":982.375},{"sentences":[{"text":"Mhmm.","start":982.38,"end":982.88,"sentiment":"neutral","sentiment_score":0.03927409648895264}],"sentiment":"neutral","sentiment_score":0.03927409648895264,"channel":1,"num_words":1,"start":982.38,"end":982.88},{"sentences":[{"text":"have in each of these investments.","start":982.43506,"end":984.61505,"sentiment":"neutral","sentiment_score":0.04334053800751766},{"text":"You have them to buy and sell.","start":985.47504,"end":987.575,"sentiment":"neutral","sentiment_score":0.03084526610161577},{"text":"So what is highlighted in red is what I have recommended that we sell or rebalance for you.","start":987.93,"end":996.59,"sentiment":"neutral","sentiment_score":0.0729732374764151},{"text":"The target rate is how much we are aiming for when it comes to a percentage of the portfolio.","start":997.13,"end":1002.91,"sentiment":"neutral","sentiment_score":0.03387004813473476},{"text":"And then the target balance, it's just the dollar value that represents their percentage target.","start":1003.785,"end":1009.725,"sentiment":"neutral","sentiment_score":0.029079291969537735}],"sentiment":"neutral","sentiment_score":0.044141517837460224,"channel":0,"num_words":65,"start":982.43506,"end":1009.725},{"sentences":[{"text":"Now with your investments, you can see here that there is only one investment that I have recommended that we completely sell out of and swap, and","start":1010.505,"end":1022.06,"sentiment":"neutral","sentiment_score":-0.02623480075487384}],"sentiment":"neutral","sentiment_score":-0.02623480075487384,"channel":0,"num_words":27,"start":1010.505,"end":1022.06},{"sentences":[{"text":"Mhmm.","start":1021.905,"end":1022.405,"sentiment":"neutral","sentiment_score":-0.0003040819428861141}],"sentiment":"neutral","sentiment_score":-0.0003040819428861141,"channel":1,"num_words":1,"start":1021.905,"end":1022.405},{"sentences":[{"text":"that is the first one.","start":1022.06,"end":1023.42004,"sentiment":"neutral","sentiment_score":-0.009419314563274384},{"text":"That is that Benelong Australian Equity.","start":1023.42004,"end":1026.0801,"sentiment":"neutral","sentiment_score":0.01573426726584633},{"text":"That's the one we kind of spoke a little bit","start":1026.22,"end":1028.38,"sentiment":"neutral","sentiment_score":0.0011708062607795}],"sentiment":"neutral","sentiment_score":0.0028103377803095748,"channel":0,"num_words":21,"start":1022.06,"end":1028.38},{"sentences":[{"text":"Yep.","start":1028.1675,"end":1028.6675,"sentiment":"neutral","sentiment_score":0.0063659753650426865}],"sentiment":"neutral","sentiment_score":0.0063659753650426865,"channel":1,"num_words":1,"start":1028.1675,"end":1028.6675},{"sentences":[{"text":"about last time doing the annual review.","start":1028.38,"end":1030.22,"sentiment":"neutral","sentiment_score":-0.01183812612933772},{"text":"Do you remember that as well?","start":1030.22,"end":1031.68,"sentiment":"neutral","sentiment_score":-0.0008496016574402653},{"text":"Yep.","start":1033.1549,"end":1033.635,"sentiment":"neutral","sentiment_score":0.004045578651130199},{"text":"So I have recommended that we completely settle out of that one.","start":1033.635,"end":1037.095,"sentiment":"neutral","sentiment_score":-0.056198127257327236},{"text":"And what we are doing instead is replacing it with the bottom one there, which is the beta shares Australia two hundred.","start":1037.1549,"end":1045.975,"sentiment":"neutral","sentiment_score":0.026005609807643024}],"sentiment":"neutral","sentiment_score":-0.003878604698305329,"channel":0,"num_words":48,"start":1028.38,"end":1045.975},{"sentences":[{"text":"Because we are changing one Australian investment, we wanted to make sure we still give you the diversification on having some investments in Australia.","start":1046.7,"end":1056.96,"sentiment":"neutral","sentiment_score":0.10297335234160225},{"text":"But we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns.","start":1057.82,"end":1065.3351,"sentiment":"neutral","sentiment_score":0.11960456795666528},{"text":"So the BetaShares Australia two hundred, it is a little bit more simplified investment than the Bennelong because Bennelong is that kind of active component where they are actively buying and selling different investments in order to try to outperform the market, and they can do that more frequently.","start":1065.795,"end":1083.0,"sentiment":"neutral","sentiment_score":0.194991941658818},{"text":"They can outperform, which is great, which is what they had been doing and which is why it was recommended to you in the first place.","start":1083.7001,"end":1090.12,"sentiment":"positive","sentiment_score":0.4709049486196958},{"text":"So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently.","start":1090.445,"end":1095.825,"sentiment":"negative","sentiment_score":-0.39213342057621997}],"sentiment":"neutral","sentiment_score":0.12414710794029565,"channel":0,"num_words":145,"start":1046.7,"end":1095.825},{"sentences":[{"text":"And if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return.","start":1096.285,"end":1104.465,"sentiment":"neutral","sentiment_score":0.16368483084029165},{"text":"So that is why I have recommended we change it to the BetaShares Australia two 100.","start":1105.04,"end":1110.02,"sentiment":"neutral","sentiment_score":0.24778515379875898},{"text":"Now that is the only new investment to your portfolio.","start":1110.24,"end":1113.7,"sentiment":"neutral","sentiment_score":0.29346642941236495}],"sentiment":"neutral","sentiment_score":0.21174703362313183,"channel":0,"num_words":55,"start":1096.285,"end":1113.7},{"sentences":[{"text":"Mhmm.","start":1115.035,"end":1115.535,"sentiment":"neutral","sentiment_score":0.1760425567626953}],"sentiment":"neutral","sentiment_score":0.1760425567626953,"channel":1,"num_words":1,"start":1115.035,"end":1115.535},{"sentences":[{"text":"All the others are just rebalancing.","start":1115.28,"end":1118.015,"sentiment":"neutral","sentiment_score":0.1934431791305542},{"text":"So you can see they are still keeping it in your portfolio.","start":1118.635,"end":1121.375,"sentiment":"neutral","sentiment_score":0.26899467408657074},{"text":"We're not completely selling out of it.","start":1121.435,"end":1123.6951,"sentiment":"neutral","sentiment_score":-0.017607575016362325},{"text":"It is just to rebalance your portfolio.","start":1123.915,"end":1126.655,"sentiment":"neutral","sentiment_score":0.09172648297888893},{"text":"Basically, rebalancing, it is the process of making sure that your superannuation continues to be invested in coding with your investment strategy, which is that aggressive investor for you because you do wanna maximize that growth in super while you still have time until retirement.","start":1127.435,"end":1145.825,"sentiment":"neutral","sentiment_score":0.25286003433995774}],"sentiment":"neutral","sentiment_score":0.21150816967348,"channel":0,"num_words":77,"start":1115.28,"end":1145.825},{"sentences":[{"text":"But what can happen over time is that market movement can cause some investments to go up, represent a larger portion of your portfolio, while others kind of become a little bit smaller.","start":1146.605,"end":1158.51,"sentiment":"neutral","sentiment_score":-0.08412993067141736},{"text":"So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification.","start":1159.05,"end":1176.0951,"sentiment":"neutral","sentiment_score":0.18455406458991946},{"text":"Does that make sense, David?","start":1176.9551,"end":1178.3351,"sentiment":"neutral","sentiment_score":0.11489509493112564},{"text":"Yep.","start":1179.755,"end":1180.235,"sentiment":"neutral","sentiment_score":0.2817603051662445},{"text":"Perfect.","start":1180.235,"end":1180.735,"sentiment":"positive","sentiment_score":0.5595032572746277}],"sentiment":"neutral","sentiment_score":0.06479089666311055,"channel":0,"num_words":73,"start":1146.605,"end":1180.735},{"sentences":[{"text":"So pretty straightforward with the investments.","start":1180.795,"end":1182.7151,"sentiment":"positive","sentiment_score":0.46946904559930164},{"text":"It is just swapping one for the other and rebalancing.","start":1182.7151,"end":1186.83,"sentiment":"neutral","sentiment_score":0.26165763288736343},{"text":"Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like.","start":1187.0499,"end":1207.8049,"sentiment":"neutral","sentiment_score":0.26036694734843807},{"text":"And that is all of them.","start":1208.105,"end":1209.625,"sentiment":"neutral","sentiment_score":0.15556499113639197},{"text":"Okay?","start":1209.625,"end":1210.125,"sentiment":"neutral","sentiment_score":0.12284976989030838}],"sentiment":"neutral","sentiment_score":0.2659357310169273,"channel":0,"num_words":90,"start":1180.795,"end":1210.125},{"sentences":[{"text":"Okay.","start":1211.0499,"end":1211.5499,"sentiment":"neutral","sentiment_score":0.13944968581199646}],"sentiment":"neutral","sentiment_score":0.13944968581199646,"channel":1,"num_words":1,"start":1211.0499,"end":1211.5499},{"sentences":[{"text":"Yep.","start":1212.01,"end":1212.51,"sentiment":"neutral","sentiment_score":0.16061028838157654},{"text":"Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four.","start":1214.25,"end":1220.65,"sentiment":"neutral","sentiment_score":0.08886018246412278},{"text":"Not making any changes, obviously, as contributions and stuff goes in.","start":1220.65,"end":1224.0901,"sentiment":"neutral","sentiment_score":-0.0009501065042885867},{"text":"The minimum is 1.25% from your account, which we do wanna stick to.","start":1224.0901,"end":1229.385,"sentiment":"neutral","sentiment_score":0.10028756667788212},{"text":"We don't want any more cash because that's going to obviously impact the growth of your investment.","start":1229.385,"end":1233.625,"sentiment":"neutral","sentiment_score":-0.09680066608330783}],"sentiment":"neutral","sentiment_score":0.025572416282469226,"channel":0,"num_words":62,"start":1212.01,"end":1233.625},{"sentences":[{"text":"So literally just that minimum target.","start":1233.625,"end":1235.645,"sentiment":"neutral","sentiment_score":0.03123068871597449}],"sentiment":"neutral","sentiment_score":0.03123068871597449,"channel":0,"num_words":6,"start":1233.625,"end":1235.645},{"sentences":[{"text":"Mhmm.","start":1236.65,"end":1237.15,"sentiment":"neutral","sentiment_score":-0.00909319519996643}],"sentiment":"neutral","sentiment_score":-0.00909319519996643,"channel":1,"num_words":1,"start":1236.65,"end":1237.15},{"sentences":[{"text":"Now the next page, so page 19, you will have the proposed asset allocation.","start":1237.8,"end":1242.54,"sentiment":"neutral","sentiment_score":0.038665027889822214},{"text":"Can you see that pie chart on the table?","start":1243.16,"end":1245.1001,"sentiment":"neutral","sentiment_score":0.0635733190510008},{"text":"Yes.","start":1248.4401,"end":1248.9401,"sentiment":"neutral","sentiment_score":0.23375838994979856},{"text":"Yep.","start":1249.0801,"end":1249.5801,"sentiment":"neutral","sentiment_score":0.24907469749450684},{"text":"Now this one here basically shows you that","start":1249.765,"end":1252.245,"sentiment":"neutral","sentiment_score":0.13294482696801424}],"sentiment":"neutral","sentiment_score":0.08060187773045266,"channel":0,"num_words":33,"start":1237.8,"end":1252.245},{"sentences":[{"text":"Yes.","start":1252.0125,"end":1252.5125,"sentiment":"neutral","sentiment_score":0.0985175520181656}],"sentiment":"neutral","sentiment_score":0.0985175520181656,"channel":1,"num_words":1,"start":1252.0125,"end":1252.5125},{"sentences":[{"text":"aggressive risk profile.","start":1252.245,"end":1253.625,"sentiment":"neutral","sentiment_score":0.15853336453437805},{"text":"Now that is around a 100% in growth, not really focusing on any defensives, so no fixed interest or anything like that.","start":1254.725,"end":1262.005,"sentiment":"neutral","sentiment_score":0.16946343874389475},{"text":"It is mainly focusing on your growth investments, so your equity and property.","start":1262.005,"end":1267.4401,"sentiment":"positive","sentiment_score":0.3472767827602533},{"text":"Now it then shows you your existing portfolio, so how that is currently invested, and then it also shows the proposed portfolio.","start":1268.3,"end":1276.96,"sentiment":"neutral","sentiment_score":0.22779817946932532},{"text":"Now you can see here that the only defensive is the minimum cash balance associated with the hub twenty four.","start":1277.745,"end":1284.545,"sentiment":"neutral","sentiment_score":0.2175032075494528}],"sentiment":"neutral","sentiment_score":0.22600022526457905,"channel":0,"num_words":80,"start":1252.245,"end":1284.545},{"sentences":[{"text":"Everything else is then diversified into Australian equities, international equities, and property for you.","start":1284.545,"end":1291.525,"sentiment":"neutral","sentiment_score":0.24357154539653234},{"text":"Both portfolios do still align with your risk profile, though.","start":1291.98,"end":1295.74,"sentiment":"neutral","sentiment_score":0.32790772914886473},{"text":"So we're not making any changes to the level of risk.","start":1295.74,"end":1298.64,"sentiment":"neutral","sentiment_score":-0.09586278958754106},{"text":"It is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you.","start":1298.78,"end":1305.105,"sentiment":"neutral","sentiment_score":0.1331042542177088}],"sentiment":"neutral","sentiment_score":0.15187231852458075,"channel":0,"num_words":52,"start":1284.545,"end":1305.105},{"sentences":[{"text":"Yep.","start":1305.965,"end":1306.465,"sentiment":"neutral","sentiment_score":0.17129433155059814}],"sentiment":"neutral","sentiment_score":0.17129433155059814,"channel":1,"num_words":1,"start":1305.965,"end":1306.465},{"sentences":[{"text":"Yep.","start":1307.1849,"end":1307.585,"sentiment":"neutral","sentiment_score":0.1373017132282257},{"text":"Now when it comes through the fee structure, so page 22.","start":1307.585,"end":1312.885,"sentiment":"neutral","sentiment_score":0.06978617506948384},{"text":"Now we did touch on this a little bit during the under review, but I do wanna just recap on it for you.","start":1313.345,"end":1318.59,"sentiment":"neutral","sentiment_score":0.12502710229676703},{"text":"There is no changes in regards to that fee structure.","start":1318.75,"end":1322.13,"sentiment":"neutral","sentiment_score":0.05940015316009521},{"text":"It stays exactly the same at 1.65 from super.","start":1322.19,"end":1326.21,"sentiment":"neutral","sentiment_score":0.23560783763726553}],"sentiment":"neutral","sentiment_score":0.12027861226212096,"channel":0,"num_words":54,"start":1307.1849,"end":1326.21},{"sentences":[{"text":"Now we do show you a yearly figure, but it is not a one off yearly fee coming out of your account.","start":1326.75,"end":1333.33,"sentiment":"neutral","sentiment_score":0.18460810455408963},{"text":"It is deducted on a monthly basis for you, and that is to make it more fair as well.","start":1333.695,"end":1339.315,"sentiment":"positive","sentiment_score":0.3780292288253182},{"text":"Because it is a percentage of your balance and the market do tend to fluctuate, we are just deducting it on a monthly basis.","start":1339.5349,"end":1347.315,"sentiment":"neutral","sentiment_score":0.318522119273742},{"text":"But it also gives you the flexibility that if you are ever unhappy with the service or not sure what to do, you don't have to commit to a full twelve month and having to pay that one up fee.","start":1347.42,"end":1359.825,"sentiment":"neutral","sentiment_score":0.2241257132962346},{"text":"It's just a monthly deduction.","start":1359.985,"end":1361.9249,"sentiment":"neutral","sentiment_score":0.3320715636014938}],"sentiment":"neutral","sentiment_score":0.2683077350936153,"channel":0,"num_words":110,"start":1326.75,"end":1361.9249},{"sentences":[{"text":"There's no lock in contract.","start":1361.985,"end":1363.4249,"sentiment":"neutral","sentiment_score":0.21614195704460143},{"text":"There's no exit fees or cancellation fees if you are ever not happy with the service or you don't wanna continue.","start":1363.4249,"end":1369.605,"sentiment":"neutral","sentiment_score":-0.02444785780140332},{"text":"Okay?","start":1369.6649,"end":1370.1649,"sentiment":"neutral","sentiment_score":0.14125871658325195}],"sentiment":"neutral","sentiment_score":0.0262430921472885,"channel":0,"num_words":27,"start":1361.985,"end":1370.1649},{"sentences":[{"text":"Okay.","start":1371.3401,"end":1371.8401,"sentiment":"neutral","sentiment_score":0.14005747437477112}],"sentiment":"neutral","sentiment_score":0.14005747437477112,"channel":1,"num_words":1,"start":1371.3401,"end":1371.8401},{"sentences":[{"text":"Yep.","start":1371.84,"end":1372.34,"sentiment":"neutral","sentiment_score":0.17268481850624084},{"text":"Now, basically, that summarizes the advice.","start":1373.6,"end":1377.38,"sentiment":"neutral","sentiment_score":0.21014653891324997},{"text":"So pretty straightforward.","start":1377.6799,"end":1378.82,"sentiment":"positive","sentiment_score":0.39173919955889386},{"text":"I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you.","start":1379.2,"end":1386.58,"sentiment":"positive","sentiment_score":0.47221678809115764}],"sentiment":"positive","sentiment_score":0.3993414008411868,"channel":0,"num_words":29,"start":1371.84,"end":1386.58},{"sentences":[{"text":"Mhmm.","start":1386.6,"end":1387.1,"sentiment":"neutral","sentiment_score":0.19331049919128415}],"sentiment":"neutral","sentiment_score":0.19331049919128415,"channel":1,"num_words":1,"start":1386.6,"end":1387.1},{"sentences":[{"text":"Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well.","start":1386.895,"end":1400.595,"sentiment":"neutral","sentiment_score":0.32947653021131246},{"text":"So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well.","start":1401.16,"end":1412.38,"sentiment":"neutral","sentiment_score":0.21548068571475246},{"text":"Can you see that?","start":1412.84,"end":1413.98,"sentiment":"neutral","sentiment_score":0.12940265610814095},{"text":"So it will be the next document.","start":1417.385,"end":1419.3251,"sentiment":"neutral","sentiment_score":0.16970920775617873},{"text":"So it will be the next one.","start":1419.545,"end":1421.385,"sentiment":"neutral","sentiment_score":0.19919211736747197}],"sentiment":"neutral","sentiment_score":0.2537083299387069,"channel":0,"num_words":84,"start":1386.895,"end":1421.385},{"sentences":[{"text":"So it basically as you scroll through the end of the first one, you should then kind of stop scrolling where it says statement of advice again prepared for yourself.","start":1421.385,"end":1433.03,"sentiment":"neutral","sentiment_score":0.146375156318148},{"text":"And there's, like, another cover page with some mountains.","start":1433.57,"end":1436.47,"sentiment":"neutral","sentiment_score":0.11178671651416355}],"sentiment":"neutral","sentiment_score":0.13839320867107466,"channel":0,"num_words":39,"start":1421.385,"end":1436.47},{"sentences":[{"text":"And by the declaration.","start":1437.505,"end":1438.645,"sentiment":"neutral","sentiment_score":0.07585031073540449},{"text":"And you're saying at the bottom of the document.","start":1440.785,"end":1442.885,"sentiment":"neutral","sentiment_score":0.05797227844595909}],"sentiment":"neutral","sentiment_score":0.06347321145809613,"channel":1,"num_words":13,"start":1437.505,"end":1442.885},{"sentences":[{"text":"If you keep scrolling, yes, or it should say next.","start":1443.745,"end":1446.405,"sentiment":"neutral","sentiment_score":0.019226962979882956},{"text":"Depends on sometimes how your phone is set up.","start":1446.945,"end":1449.445,"sentiment":"neutral","sentiment_score":-0.016861063842144277},{"text":"And if you keep scrolling or press next, No?","start":1457.12,"end":1484.77,"sentiment":"neutral","sentiment_score":-0.042921722763114505},{"text":"Okay.","start":1485.15,"end":1485.65,"sentiment":"neutral","sentiment_score":-0.1016830950975418},{"text":"There's nothing there?","start":1488.125,"end":1489.265,"sentiment":"neutral","sentiment_score":-0.18182780345280966}],"sentiment":"neutral","sentiment_score":-0.031029436097014695,"channel":0,"num_words":32,"start":1443.745,"end":1489.265},{"sentences":[{"text":"Okay.","start":1489.3251,"end":1489.8251,"sentiment":"neutral","sentiment_score":-0.03149474784731865},{"text":"What I might do, I'll I'll triple check with IT after the call and see.","start":1490.4451,"end":1495.8251,"sentiment":"neutral","sentiment_score":-0.000972029318412145},{"text":"But if it's not there, what I will do is I will send you a separate email with that","start":1496.525,"end":1503.11,"sentiment":"neutral","sentiment_score":0.07189512282217804}],"sentiment":"neutral","sentiment_score":0.03771234702851091,"channel":0,"num_words":35,"start":1489.3251,"end":1503.11},{"sentences":[{"text":"Mhmm.","start":1502.95,"end":1503.45,"sentiment":"neutral","sentiment_score":0.08243496716022491}],"sentiment":"neutral","sentiment_score":0.08243496716022491,"channel":1,"num_words":1,"start":1502.95,"end":1503.45},{"sentences":[{"text":"attachment.","start":1503.25,"end":1503.75,"sentiment":"neutral","sentiment_score":0.12211759388446808},{"text":"So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one.","start":1503.97,"end":1511.67,"sentiment":"neutral","sentiment_score":0.1760583690234593},{"text":"It is just for your reference to show you the research and the comparison.","start":1512.05,"end":1515.59,"sentiment":"neutral","sentiment_score":0.2610160910657474},{"text":"So I will go and","start":1516.105,"end":1516.825,"sentiment":"neutral","sentiment_score":0.08595814406871796}],"sentiment":"neutral","sentiment_score":0.19032849837094545,"channel":0,"num_words":48,"start":1503.25,"end":1516.825},{"sentences":[{"text":"Okay.","start":1516.7749,"end":1517.2749,"sentiment":"neutral","sentiment_score":0.05713251978158951}],"sentiment":"neutral","sentiment_score":0.05713251978158951,"channel":1,"num_words":1,"start":1516.7749,"end":1517.2749},{"sentences":[{"text":"check with IT once I get off the phone just to see if that somehow wasn't included.","start":1516.825,"end":1521.4049,"sentiment":"neutral","sentiment_score":-0.060521536232794035},{"text":"And if so or if not, then I will just send you a separate email and attach those documents.","start":1524.2649,"end":1529.085,"sentiment":"neutral","sentiment_score":0.05238053575158119},{"text":"Okay?","start":1529.1449,"end":1529.6449,"sentiment":"neutral","sentiment_score":0.040375757962465286}],"sentiment":"neutral","sentiment_score":0.00018215733202728103,"channel":0,"num_words":37,"start":1516.825,"end":1529.6449},{"sentences":[{"text":"And what do you","start":1530.24,"end":1531.04,"sentiment":"neutral","sentiment_score":0.00763853220269084}],"sentiment":"neutral","sentiment_score":0.00763853220269084,"channel":1,"num_words":4,"start":1530.24,"end":1531.04},{"sentences":[{"text":"Yep.","start":1530.96,"end":1531.46,"sentiment":"neutral","sentiment_score":-0.0026240970473736525}],"sentiment":"neutral","sentiment_score":-0.0026240970473736525,"channel":0,"num_words":1,"start":1530.96,"end":1531.46},{"sentences":[{"text":"need to do to get them done?","start":1531.04,"end":1533.68,"sentiment":"neutral","sentiment_score":-0.039399582892656326},{"text":"Nothing?","start":1533.68,"end":1534.18,"sentiment":"neutral","sentiment_score":-0.1949632167816162}],"sentiment":"neutral","sentiment_score":-0.05884503712877631,"channel":1,"num_words":8,"start":1531.04,"end":1534.18},{"sentences":[{"text":"Nothing right now.","start":1535.04,"end":1536.26,"sentiment":"neutral","sentiment_score":-0.2741788725058238},{"text":"When you have a moment to have a look at it, though, if you are happy with the recommendation, which is to change those investments for you, I will then need you to the document that you are in, at the bottom of that document, it will ask you to sign.","start":1537.12,"end":1555.005,"sentiment":"neutral","sentiment_score":0.12013934907393858},{"text":"It will just be date and sign it, and that is if you are happy to remain a client and proceed with those investments.","start":1555.3049,"end":1563.41,"sentiment":"neutral","sentiment_score":0.28238824879129726},{"text":"Now there","start":1564.03,"end":1564.51,"sentiment":"neutral","sentiment_score":0.09488143771886826}],"sentiment":"neutral","sentiment_score":0.15339563789602834,"channel":0,"num_words":80,"start":1535.04,"end":1564.51},{"sentences":[{"text":"Yep.","start":1564.4501,"end":1564.9501,"sentiment":"neutral","sentiment_score":0.10196590423583984}],"sentiment":"neutral","sentiment_score":0.10196590423583984,"channel":1,"num_words":1,"start":1564.4501,"end":1564.9501},{"sentences":[{"text":"is also a text box, and that text box allows you to type.","start":1564.51,"end":1569.49,"sentiment":"neutral","sentiment_score":0.09031247089688595},{"text":"So if it is that you don't wanna go ahead like, you you want to stay on as a client, but you don't wanna go ahead with one of the changes or the rebalance or anything like that, there is a free type box which allows you to type anything as well.","start":1569.87,"end":1585.405,"sentiment":"neutral","sentiment_score":0.05164092382451949},{"text":"Yep.","start":1587.48,"end":1587.98,"sentiment":"neutral","sentiment_score":0.08318179100751877},{"text":"Yep.","start":1591.64,"end":1592.14,"sentiment":"neutral","sentiment_score":0.08982758224010468},{"text":"Yep.","start":1596.04,"end":1596.54,"sentiment":"neutral","sentiment_score":0.13562841713428497}],"sentiment":"neutral","sentiment_score":0.061294528689947635,"channel":0,"num_words":68,"start":1564.51,"end":1596.54},{"sentences":[{"text":"And that's okay.","start":1596.76,"end":1597.82,"sentiment":"neutral","sentiment_score":0.21961634357770285},{"text":"Okay.","start":1608.6951,"end":1609.1951,"sentiment":"positive","sentiment_score":0.3976393938064575},{"text":"Beautiful.","start":1609.335,"end":1609.835,"sentiment":"positive","sentiment_score":0.6228712797164917},{"text":"Now like I said there, David, as well, I will send you I'll check with IT, but I will also otherwise send you that document, which is the appendix.","start":1614.0701,"end":1624.81,"sentiment":"neutral","sentiment_score":0.08792829931039235},{"text":"Now with the appendix is where you can then find those investment links through the investments if you wanted to go and have a bit of a read over it.","start":1625.105,"end":1631.985,"sentiment":"neutral","sentiment_score":0.09901709581414858}],"sentiment":"neutral","sentiment_score":0.11249676966690458,"channel":0,"num_words":64,"start":1596.76,"end":1631.985},{"sentences":[{"text":"And you can also see that comparison that I did consider Australian Super, along with HESTA.","start":1631.985,"end":1639.125,"sentiment":"neutral","sentiment_score":0.0548324640840292},{"text":"When I did look at the option, the most aggressive investment options they have is a high growth portfolio.","start":1639.73,"end":1646.23,"sentiment":"neutral","sentiment_score":0.00890254797904115},{"text":"So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find.","start":1646.37,"end":1654.0701,"sentiment":"neutral","sentiment_score":0.01419200748205185},{"text":"And the difference in the balance when you have a look at it, that would be the capital gains tax.","start":1655.4149,"end":1662.235,"sentiment":"neutral","sentiment_score":-0.08981976062059402},{"text":"If you were to say, no.","start":1662.695,"end":1664.2949,"sentiment":"neutral","sentiment_score":-0.15706279377142587}],"sentiment":"neutral","sentiment_score":-0.017388444301890738,"channel":0,"num_words":81,"start":1631.985,"end":1664.2949},{"sentences":[{"text":"Wanna leave hub 24 and, for example, leave and go to.","start":1664.2949,"end":1667.6749,"sentiment":"neutral","sentiment_score":-0.10418792204423384},{"text":"The capital","start":1668.4099,"end":1668.97,"sentiment":"neutral","sentiment_score":-0.12600373104214668}],"sentiment":"neutral","sentiment_score":-0.10754420035160504,"channel":0,"num_words":13,"start":1664.2949,"end":1668.97},{"sentences":[{"text":"Mhmm.","start":1668.97,"end":1669.47,"sentiment":"neutral","sentiment_score":-0.11825814098119736}],"sentiment":"neutral","sentiment_score":-0.11825814098119736,"channel":1,"num_words":1,"start":1668.97,"end":1669.47},{"sentences":[{"text":"gains tax would then be about 4,951.","start":1668.97,"end":1673.39,"sentiment":"neutral","sentiment_score":-0.11860931877579008},{"text":"And when I consider the capital gains tax along with the fees, as long as that I along with that I couldn't achieve the same return, it wouldn't put you in as good of a position, and therefore, I did not recommend it at this time.","start":1673.69,"end":1687.385,"sentiment":"neutral","sentiment_score":-0.32815430847846944},{"text":"Does that make sense?","start":1688.005,"end":1689.145,"sentiment":"neutral","sentiment_score":-0.13899894431233406},{"text":"Yep.","start":1690.485,"end":1690.985,"sentiment":"neutral","sentiment_score":0.13314342498779297},{"text":"Perfect.","start":1691.205,"end":1691.705,"sentiment":"positive","sentiment_score":0.387241393327713}],"sentiment":"neutral","sentiment_score":-0.27052498949786363,"channel":0,"num_words":59,"start":1668.97,"end":1691.705},{"sentences":[{"text":"Now I will send you through this document as well so that you have everything.","start":1692.085,"end":1697.3049,"sentiment":"neutral","sentiment_score":0.21428695221741995},{"text":"But, otherwise, like I said, take your time and read over the document.","start":1697.98,"end":1701.2799,"sentiment":"neutral","sentiment_score":0.08931166907915702},{"text":"If you have any questions, let me know.","start":1702.2999,"end":1705.36,"sentiment":"neutral","sentiment_score":0.13832212053239346},{"text":"Otherwise, if you do have a read through everything and you are happy to go ahead, it will just ask for that signature.","start":1706.2999,"end":1712.465,"sentiment":"neutral","sentiment_score":0.28022240669183107},{"text":"It should then send it back to me automatically, and that lets me know that you are happy to proceed.","start":1712.465,"end":1718.485,"sentiment":"positive","sentiment_score":0.4926328033208847}],"sentiment":"neutral","sentiment_score":0.27569246032758604,"channel":0,"num_words":79,"start":1692.085,"end":1718.485},{"sentences":[{"text":"Okay?","start":1718.625,"end":1719.125,"sentiment":"neutral","sentiment_score":0.2501012682914734}],"sentiment":"neutral","sentiment_score":0.2501012682914734,"channel":0,"num_words":1,"start":1718.625,"end":1719.125},{"sentences":[{"text":"Alright.","start":1719.805,"end":1720.305,"sentiment":"neutral","sentiment_score":0.31736671924591064}],"sentiment":"neutral","sentiment_score":0.31736671924591064,"channel":1,"num_words":1,"start":1719.805,"end":1720.305},{"sentences":[{"text":"Yep.","start":1720.5449,"end":1721.025,"sentiment":"positive","sentiment_score":0.3892002999782562},{"text":"Perfect.","start":1721.025,"end":1721.525,"sentiment":"positive","sentiment_score":0.7581543326377869},{"text":"Correct.","start":1727.2,"end":1727.6,"sentiment":"positive","sentiment_score":0.6099159717559814},{"text":"Yes.","start":1727.6,"end":1727.9199,"sentiment":"positive","sentiment_score":0.5400410890579224},{"text":"You will have it within the next thirty minutes.","start":1727.9199,"end":1730.4199,"sentiment":"positive","sentiment_score":0.45224659310446846}],"sentiment":"positive","sentiment_score":0.4898100793361664,"channel":0,"num_words":13,"start":1720.5449,"end":1730.4199},{"sentences":[{"text":"Yep.","start":1732.0,"end":1732.48,"sentiment":"neutral","sentiment_score":0.1581878960132599},{"text":"No","start":1732.48,"end":1732.64,"sentiment":"neutral","sentiment_score":0.11972976475954056}],"sentiment":"neutral","sentiment_score":0.13895883038640022,"channel":0,"num_words":2,"start":1732.0,"end":1732.64},{"sentences":[{"text":"Alright.","start":1732.555,"end":1733.055,"sentiment":"neutral","sentiment_score":0.09781244397163393}],"sentiment":"neutral","sentiment_score":0.09781244397163393,"channel":1,"num_words":1,"start":1732.555,"end":1733.055},{"sentences":[{"text":"worries.","start":1732.64,"end":1732.96,"sentiment":"neutral","sentiment_score":0.10430848598480225},{"text":"If there's anything else you need, though, David, at any point in time, don't hesitate to give me a call.","start":1732.96,"end":1737.28,"sentiment":"neutral","sentiment_score":0.10177771933376789},{"text":"Okay?","start":1737.28,"end":1737.78,"sentiment":"neutral","sentiment_score":0.11538656800985336}],"sentiment":"neutral","sentiment_score":0.10251133821227333,"channel":0,"num_words":22,"start":1732.64,"end":1737.78},{"sentences":[{"text":"Alright.","start":1738.635,"end":1739.115,"sentiment":"positive","sentiment_score":0.39681053161621094},{"text":"Thank you very much.","start":1739.115,"end":1740.335,"sentiment":"positive","sentiment_score":0.8092351257801056}],"sentiment":"positive","sentiment_score":0.7267502069473266,"channel":1,"num_words":5,"start":1738.635,"end":1740.335},{"sentences":[{"text":"No worries.","start":1740.735,"end":1741.215,"sentiment":"positive","sentiment_score":0.5556181222200394},{"text":"You enjoy the rest of your afternoon.","start":1741.215,"end":1742.835,"sentiment":"positive","sentiment_score":0.7493372814995902}],"sentiment":"positive","sentiment_score":0.7062885794374678,"channel":0,"num_words":9,"start":1740.735,"end":1742.835},{"sentences":[{"text":"Okay.","start":1743.275,"end":1743.755,"sentiment":"positive","sentiment_score":0.3929899930953979},{"text":"You too.","start":1743.755,"end":1744.415,"sentiment":"positive","sentiment_score":0.4306187629699707}],"sentiment":"positive","sentiment_score":0.41807583967844647,"channel":1,"num_words":3,"start":1743.275,"end":1744.415},{"sentences":[{"text":"Thanks.","start":1745.0549,"end":1745.455,"sentiment":"positive","sentiment_score":0.6466331481933594},{"text":"Bye.","start":1745.455,"end":1745.955,"sentiment":"positive","sentiment_score":0.4499630331993103}],"sentiment":"positive","sentiment_score":0.5482980906963348,"channel":0,"num_words":2,"start":1745.0549,"end":1745.955},{"sentences":[{"text":"Thank you.","start":1745.8708,"end":1746.4309,"sentiment":"positive","sentiment_score":0.6803775131702423},{"text":"Bye bye.","start":1746.4309,"end":1747.1709,"sentiment":"neutral","sentiment_score":0.07486542314291}],"sentiment":"positive","sentiment_score":0.37762146815657616,"channel":1,"num_words":4,"start":1745.8708,"end":1747.1709}]},"summary":{"result":"success","short":"Representatives from Oakview Financial will review customer's investment and portfolio recommendations, including their past experiences and choices for reducing fees and changing investments. They will focus on their investment choices and emphasize the importance of avoiding changes to their current portfolios. The new recommended portfolio is predicted to perform better than the current portfolio, resulting in more money being put into superannissable investments. The fee structure is still the same, and minimal impact is anticipated. The speaker recommends selling all investments and reducing fees for those who don't want to make more fees. The speaker will send a separate email with the necessary documents and explains the difference between the Australian Super and HESTA. The customer is advised to read over the documents and take their time."},"intents":{"segments":[{"text":"Thanks for returning my callback. It's okay.","start_word":183,"end_word":189,"intents":[{"intent":"Request callback","confidence_score":0.06723645}]},{"text":"What I can do so what I have done is I have just sent you an email with the recommendation. Okay.","start_word":307,"end_word":327,"intents":[{"intent":"Obtain recommendations","confidence_score":0.0005099148}]},{"text":"But what I can do is I can just kind of quickly go through the main points with you.","start_word":327,"end_word":345,"intents":[{"intent":"Go through main points","confidence_score":0.0013784394},{"intent":"Go through main points","confidence_score":0.37730807},{"intent":"Go through points","confidence_score":0.011676372}]},{"text":"later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document.","start_word":348,"end_word":372,"intents":[{"intent":"Read document","confidence_score":0.01829641}]},{"text":"later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document. And if you then have any other questions for me, we can always book in another catch up. Would that be okay with you?","start_word":348,"end_word":396,"intents":[{"intent":"Access emails","confidence_score":0.13317844}]},{"text":"And if you then have any other questions for me, we can always book in another catch up. Would that be okay with you?","start_word":373,"end_word":396,"intents":[{"intent":"Book catch up","confidence_score":0.26924676}]},{"text":"Now on page two, it talks a little bit about the best interest duty, which you may have heard before. But, essentially, what it means is 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 can't actually make the recommendation. Does that make sense, David? Yep.","start_word":562,"end_word":630,"intents":[{"intent":"Provide advice on best interest duty","confidence_score":0.003010311}]},{"text":"Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through I to I am on it now on my phone.","start_word":674,"end_word":707,"intents":[{"intent":"Understand recommendations","confidence_score":0.008382372}]},{"text":"So if you can scroll down to page 12 for me, you should see where it says strategy recommendation. And it says, David, retain your hub 24 and change your underlying investments.","start_word":713,"end_word":744,"intents":[{"intent":"Retain hub 24 and change investments","confidence_score":0.01743589}]},{"text":"Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible.","start_word":869,"end_word":894,"intents":[{"intent":"Discuss goals of minimizing fees","confidence_score":0.00078216323}]},{"text":"And when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement.","start_word":962,"end_word":1004,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.00010273306}]},{"text":"So, basically, what I have recommended is just to change your investments and no other changes. So not changing your super fund, not changing contributions, not changing insurances.","start_word":1320,"end_word":1347,"intents":[{"intent":"Monitor portfolio changes","confidence_score":0.000058596033}]},{"text":"So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table Okay.","start_word":1437,"end_word":1465,"intents":[{"intent":"Swap investments","confidence_score":0.7944242}]},{"text":"Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average. So that is the five year rolling average, the return on your investment. It shows you your current portfolio in Hub '24, but it also then compares the the new recommended. And you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%.","start_word":1479,"end_word":1555,"intents":[{"intent":"Show portfolio performance","confidence_score":0.10588915},{"intent":"Explain portfolio performance","confidence_score":0.50151384}]},{"text":"Now it might not look like it much, but it does compound. So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you. Does that make sense?","start_word":1556,"end_word":1603,"intents":[{"intent":"Compound investment","confidence_score":0.16329072}]},{"text":"the other things are the same, and then the Yep. price is paid up. Alright?","start_word":1608,"end_word":1622,"intents":[{"intent":"Clarify investment structure","confidence_score":0.00035382612}]},{"text":"The adviser fee, the percentage stays the same, so there's no changes. The only reason why because it is a percentage of your balance, and this factors in the compounding return.","start_word":1623,"end_word":1653,"intents":[{"intent":"Explain percentage","confidence_score":0.003095547}]},{"text":"Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see. Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change.","start_word":1764,"end_word":1821,"intents":[{"intent":"Extend time frames","confidence_score":0.0012421923}]},{"text":"with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change. So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid.","start_word":1861,"end_word":1924,"intents":[{"intent":"Understand recommendations and reduce tax tax","confidence_score":6.6755104e-9}]},{"text":"So what is highlighted in red is what I have recommended that we sell or rebalance for you.","start_word":2278,"end_word":2295,"intents":[{"intent":"Recommend sell/rebalance","confidence_score":0.0004886993},{"intent":"Highlight recommended investments","confidence_score":0.0006645281}]},{"text":"But we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns.","start_word":2452,"end_word":2474,"intents":[{"intent":"Focus on pricing","confidence_score":0.00011099321}]},{"text":"So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently.","start_word":2550,"end_word":2572,"intents":[{"intent":"Decline recommended investment","confidence_score":0.00036991874},{"intent":"Improve portfolio performance","confidence_score":0.004760076}]},{"text":"And if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return.","start_word":2574,"end_word":2602,"intents":[{"intent":"Monitor investment growth","confidence_score":0.022062182}]},{"text":"All the others are just rebalancing. So you can see they are still keeping it in your portfolio. We're not completely selling out of it. It is just to rebalance your portfolio.","start_word":2629,"end_word":2660,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.57915586}]},{"text":"So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification.","start_word":2739,"end_word":2771,"intents":[{"intent":"Maintain risk","confidence_score":0.011747956}]},{"text":"Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like. And that is all of them. Okay?","start_word":2795,"end_word":2868,"intents":[{"intent":"Include links","confidence_score":0.0020245474}]},{"text":"Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like. And that is all of them. Okay? Okay.","start_word":2795,"end_word":2869,"intents":[{"intent":"Read investments","confidence_score":0.7013358}]},{"text":"Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four.","start_word":2871,"end_word":2890,"intents":[{"intent":"Consolidate cash balance","confidence_score":0.0012081149}]},{"text":"Both portfolios do still align with your risk profile, though. So we're not making any changes to the level of risk. It is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you. Yep.","start_word":3067,"end_word":3105,"intents":[{"intent":"Align portfolios with risks","confidence_score":0.0005303056}]},{"text":"I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you. Mhmm.","start_word":3309,"end_word":3328,"intents":[{"intent":"Change investments","confidence_score":0.29082927}]},{"text":"Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well.","start_word":3328,"end_word":3362,"intents":[{"intent":"Confirm appendix document","confidence_score":0.00011271575}]},{"text":"Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well. So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well. Can you see that?","start_word":3328,"end_word":3397,"intents":[{"intent":"Show information about documents","confidence_score":0.00006216774}]},{"text":"So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well. Can you see that?","start_word":3363,"end_word":3397,"intents":[{"intent":"Scroll through document","confidence_score":0.6300215}]},{"text":"What I might do, I'll I'll triple check with IT after the call and see.","start_word":3497,"end_word":3511,"intents":[{"intent":"Check with it","confidence_score":0.412797}]},{"text":"What I might do, I'll I'll triple check with IT after the call and see. But if it's not there, what I will do is I will send you a separate email with that Mhmm. attachment.","start_word":3497,"end_word":3532,"intents":[{"intent":"Send separate email","confidence_score":0.43904954}]},{"text":"So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one. It is just for your reference to show you the research and the comparison. So I will go and Okay.","start_word":3533,"end_word":3580,"intents":[{"intent":"Attach research material","confidence_score":0.13078694}]},{"text":"When I did look at the option, the most aggressive investment options they have is a high growth portfolio. So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find.","start_word":3860,"end_word":3898,"intents":[{"intent":"Explore portfolio options","confidence_score":0.0022813724}]}]},"sentiments":{"segments":[{"text":"Hello? Hey, Vee. I've got David Nguyen on the phone.","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.09104912728071211},{"text":"Oh, yeah. Perfect. Just let me get everything up for him.","start_word":10,"end_word":20,"sentiment":"positive","sentiment_score":0.50016850233078},{"text":"No problem. How does he sound? Because he's always a little bit. Yeah. He sounds, like, very Yeah. gray Yeah. Oh. is the best way to explain it. He said he said that he was like, you guys aren't in w because he had a missed call from WA, and I said we're not from WA. And he was like, well, if I do have a missed call from you guys then, I said, well, we definitely called. Yep. No. It definitely has. Yeah. Okay. Let me have a look. And he's past security, and he's all good. Yep. Baseball Security.","start_word":21,"end_word":121,"sentiment":"neutral","sentiment_score":0.04542551562190056},{"text":"Perfect.","start_word":122,"end_word":122,"sentiment":"positive","sentiment_score":0.3811110854148865},{"text":"Well, you can send him through when you're ready.","start_word":123,"end_word":131,"sentiment":"neutral","sentiment_score":0.23330993950366977},{"text":"Beautiful.","start_word":132,"end_word":132,"sentiment":"positive","sentiment_score":0.48067548871040344},{"text":"You've got David in 321. Good afternoon, David. This is Veronica from Achieve Financial. How are you? Hello? Can you hear me? You there? Yeah. David, can you hear me? Yes. I can. Yeah. This is Veronica from Oakview Financial. How are you? Yeah. Good day. It's going. Yeah.","start_word":133,"end_word":181,"sentiment":"neutral","sentiment_score":0.12795953452587128},{"text":"Good. Thanks for returning my callback.","start_word":182,"end_word":187,"sentiment":"positive","sentiment_score":0.5321382880210876},{"text":"It's okay. Yep. I Yep. I had you booked in after our last conversation. I was reviewing your super investments to see if we could reduce some fees a little bit for you and also consider a couple of other industry funds to see what was going to be the best option for your superannuation moving forward. Do you remember that Mhmm. conversation? Yes. I did. Yep. Yep. Perfect. And do you have time to go through that now? Yep. Yep. Perfect. Now, David, do you have access to your emails at the moment? I'm not in front of it, but Okay. I yeah. It's I'm I'm I'm at work in in a private room. no. That's okay. What I can do so what I have done is I have just sent you an email with the recommendation. Okay. But what I can do is I can just kind of quickly go through the main points with you. Then Yep. later, when you have a moment or when you have access to your emails, obviously, have a sit down, have a read through the document. And if you then have any other questions for me, we can always book in another catch up. Would that be okay with you? Yep.","start_word":188,"end_word":397,"sentiment":"neutral","sentiment_score":0.1360702200304894},{"text":"That's fine. Yep. Perfect.","start_word":398,"end_word":401,"sentiment":"positive","sentiment_score":0.44049960374832153},{"text":"Now when you do get to the email, it will ask you to click on the link where it says sign now. It won't ask you to sign right away, but clicking that link will allow you to open up and view the document. Only at the end will ask you to sign, which you don't have to do unless you are comfortable to do so. Okay? Okay. Yep. Now when it actually comes through the statement of advice, it has been prepared and tailored directly for you. And it is a recommendation, but it also means that it is completely up to you if you would like to go ahead with the recommendation or not at the end of the day. Mhmm. Yep. Now when you have a look through the documents, you will also see my details listed on the cover page. So you will see my authorized representative number listed, and I am licensed under Oku Financial. Now on page two, it talks a little bit about the best interest duty, which you may have heard before. But, essentially, what it means is 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 can't actually make the recommendation. Does that make sense, David? Yep. Yep.","start_word":402,"end_word":631,"sentiment":"neutral","sentiment_score":0.07944789528846741},{"text":"Beautiful. Now today is pretty straightforward.","start_word":632,"end_word":637,"sentiment":"positive","sentiment_score":0.484409898519516},{"text":"What we are looking at today is your superannuation and your investment specifically within your superannuation. Not making any changes in regards to insurances or anything else. Literally just focusing on your superannuation today. Mhmm. Now what I have actually recommended for you is outlined when you have a moment to look at it later on page 12 through I to I am on it now on my phone.","start_word":638,"end_word":706,"sentiment":"neutral","sentiment_score":0.1843959509894468},{"text":"Page 12. oh, beautiful. Yep.","start_word":707,"end_word":711,"sentiment":"positive","sentiment_score":0.5798708200454712},{"text":"Yeah. So if you can scroll down to page 12 for me, you should see where it says strategy recommendation. And it says, David, retain your hub 24 and change your underlying investments. Can you see where I'm up to? Can you see where I'm up to? Yes. Yep. So, basically, to make it easier, if you want to scroll down to page 15, I find it sometimes makes it a little bit easier because it outlines the actual recommendation in a table format. So what you just kind of scrolled past is Mhmm. just kind of talking in words, what I will go through with you now. I will have you let you have a read over that in your own time, But it basically talks about how the recommendation aligns with that best interest duty along with all the advantages, couple of disadvantages, some risks to be mindful of when it comes to the recommendation. Now when I did do the recommendation for you, David, I did factor in your goals of trying to minimize those fees as much as possible. I did also consider a couple of different industry funds. Now in the appendix, which I will go through with you later, I have included options for a similar table to the one you see in front of you comparing what I have recommended against Australia Super and also against HESTA so that you can actually see all the numbers and the outcomes in front of you. And when I did consider everything, staying in Hub twenty four and changing your investments was going to put in the best position and result in, by the time you do retire, for you to have the most amount of money during retirement. But I will show you those tables as well so that you can actually see that comparison as well. Okay? Mhmm. Now when it comes to your investment, so that is basically what I have recommended that we change. So like I said, I also compared other, sophisticated platform similar to Hub 24 just to make sure it was still going to be the best option for you.","start_word":712,"end_word":1072,"sentiment":"neutral","sentiment_score":0.21956749260425568},{"text":"And it's very competitive when it comes to the fees, investment choices, and flexibility with investment. So in Hub twenty four, you have hundreds of different investment options to choose from, which is how we can put together the investment portfolio and give you those returns. Now when it actually comes to the investments, you can see here that literally just by changing some of your investment, it is saving you about $460 a year Which in page fees are you alone.","start_word":1073,"end_word":1154,"sentiment":"positive","sentiment_score":0.5703746676445007},{"text":"going off now? Take 15 still. Okay. Still on Tuesday. Yeah. Okay. Can you see that table still? Yep. Yes. Okay. Yes. Yeah. So where is this the total cost? So kind of one, two, three, four four rows from the bottom. It says total Mhmm. cost, and you can see there the difference. So the difference column is then showing you the difference between it. Now by changing the investment fees, because that is the only thing we are doing, we're not changing contributions. We're not changing insurances or anything like that.","start_word":1155,"end_word":1247,"sentiment":"neutral","sentiment_score":0.05604426935315132},{"text":"Literally, just the investments within hub twenty four. You can see that it is reducing your fees a little bit each year, which does make a bit of a difference.","start_word":1248,"end_word":1277,"sentiment":"positive","sentiment_score":0.4266550242900848},{"text":"When did you say say, this is just about changing the inspection? No. It has nothing to do with any of the above above the tables.","start_word":1278,"end_word":1303,"sentiment":"neutral","sentiment_score":-0.09250392764806747},{"text":"Sorry, David. It's just a little bit hard to hear you.","start_word":1304,"end_word":1314,"sentiment":"negative","sentiment_score":-0.43619441986083984},{"text":"What did you say there? So, basically, what I have recommended is just to change your investments and no other changes. So not changing your super fund, not changing contributions, not changing insurances. And the table you see on front of you shows Mhmm. you on page 15 the fee difference and the return with the changes in investments alone. So what it shows is it shows your total admin fees, your current admin fees, and the recommended. It shows the change in the investment fees.","start_word":1315,"end_word":1400,"sentiment":"neutral","sentiment_score":0.04929644614458084},{"text":"So you can see that that has been reduced for you.","start_word":1401,"end_word":1411,"sentiment":"positive","sentiment_score":0.33401522040367126},{"text":"Other fees is associated with hub twenty four, so that stays the same. And then the rest is your adviser fees, contributions, and insurances. So the only change we are looking at doing is just to swap your some investments, and I will go through what that investment is in a table Okay. later on so you can see exactly which one I have recommended. Okay? Yep. Now on the portfolio as a whole, at the bottom of this table on page 15, it shows you the five year rolling average. So that is the five year rolling average, the return on your investment. It shows you your current portfolio in Hub '24, but it also then compares the the new recommended.","start_word":1412,"end_word":1533,"sentiment":"neutral","sentiment_score":0.17739522945685465},{"text":"And you can see that the new recommended has outperformed your current portfolio using that five year rolling average for about 1.97%.","start_word":1534,"end_word":1555,"sentiment":"positive","sentiment_score":0.5729563236236572},{"text":"Now it might not look like it much, but it does compound. So with the slightly better return along with that reduced fees, When you scroll down to page 16, you will see this compounded forward for five and ten years to show you. Does that make sense? Yeah. Yeah. Unless Yes. the other things are the same, and then the Yep. price is paid up. Alright? The adviser fee, the percentage stays the same, so there's no changes. The only reason why because it is a percentage of your balance, and this factors in the compounding return. So we're not changing the fee structure. The percentage stays the same. The only reason why it looks to be a little bit more is because the new recommended portfolio is predicted to perform better than your current. Therefore, you will have more money in superannuation. And on a dollar figure, that amount will be higher because you have more money in super. The percentage fee stays the same, though. Correct. These are all annual fees. Does that make sense? Yes. Yep. So page 16, it then shows you five and ten years. So, basically, following up from the table you just saw, it is just Yep. compounding everything forward. Now underneath it, you can see I have included a little bit more time frames in regards to the two portfolio and the performance so you can see. Now we like to use that five year rolling average because it gives us a little bit more certainty on the portfolio and the market because things can always change. So we like to use a little bit longer time frame to give us that certainty, but I have also showed you the twelve month comparison, three years, five years, and ten year comparison. Okay? Okay. Yep. Now Yep. with the recommendation, which is outlined in the document you scrolled past the words earlier as well, it does also talk about one one disadvantage with the recommendation is, for example, that through make an investment change.","start_word":1556,"end_word":1897,"sentiment":"neutral","sentiment_score":0.11049480073981816},{"text":"So every time we make investment changes, if we are selling an investment that has grown, there will be capital gains tax that has to be paid.","start_word":1898,"end_word":1924,"sentiment":"negative","sentiment_score":-0.35735201835632324},{"text":"Now that is within superannuation, so you don't pay for anything yourself. You don't have to declare it. It is all within superannuation, but it is something I do wanna let you know. Now I've tried to minimize that as much as possible for you because I don't want you to have to pay any unnecessary tax tax and kinda minimize that. But it is estimated to be about $68 to make this investment change, and that is just tax paid for your change of investments. Does that make sense? So $68 for 22 to the first one's register, and then this is gonna be capital gains taxes within that. So capital the capital gains tax is estimated to be $68. Right. In total. Correct. Yes. Put everything that's sold within within the super. For everything I have recommended, that would change. Yes. So it is quite minimal, and, obviously, it can change as market prices and everything does change and fluctuate. So it can change a little bit. But, yes, it is estimated a total of $68. Now I did consider, obviously, moving to Australian super and HESTA and other options. And by doing so, we would have to obviously sell all your investments. And the capital gains tax by doing so would be around $4,659. So, obviously, way higher. So I've obviously tried to reduce that as much as I can and got it down through about $68. Correct. No. Just in total.","start_word":1925,"end_word":2169,"sentiment":"neutral","sentiment_score":-0.020828213542699817},{"text":"Because we're not doing a lot of changes for your investments. It's very minimal.","start_word":2170,"end_word":2183,"sentiment":"negative","sentiment_score":-0.5120270848274231},{"text":"Now what that looks like in terms of the investment change is then on page 17 for you, so the following page. Let me know if you can see that. Now what you can yeah. You can see that okay? Yep.","start_word":2184,"end_word":2224,"sentiment":"neutral","sentiment_score":0.04191092401742935},{"text":"Perfect.","start_word":2225,"end_word":2225,"sentiment":"positive","sentiment_score":0.5343620181083679},{"text":"Now what you can see is you can see your current investment. You can see the investment name. You can also see the the special code associated with these investments, your current weight, so how much you currently Mhmm. have in each of these investments. You have them to buy and sell. So what is highlighted in red is what I have recommended that we sell or rebalance for you. The target rate is how much we are aiming for when it comes to a percentage of the portfolio. And then the target balance, it's just the dollar value that represents their percentage target. Now with your investments, you can see here that there is only one investment that I have recommended that we completely sell out of and swap, and Mhmm. that is the first one. That is that Benelong Australian Equity. That's the one we kind of spoke a little bit Yep. about last time doing the annual review. Do you remember that as well? Yep. So I have recommended that we completely settle out of that one. And what we are doing instead is replacing it with the bottom one there, which is the beta shares Australia two hundred. Because we are changing one Australian investment, we wanted to make sure we still give you the diversification on having some investments in Australia. But we wanted to focus on reducing those fees for you, which I know was important as well as not impacting the returns. So the BetaShares Australia two hundred, it is a little bit more simplified investment than the Bennelong because Bennelong is that kind of active component where they are actively buying and selling different investments in order to try to outperform the market, and they can do that more frequently.","start_word":2226,"end_word":2523,"sentiment":"neutral","sentiment_score":0.06984689086675644},{"text":"They can outperform, which is great, which is what they had been doing and which is why it was recommended to you in the first place.","start_word":2524,"end_word":2549,"sentiment":"positive","sentiment_score":0.4884848892688751},{"text":"So like I kind of touched on during the annual review, they've been a little bit slower and underperforming a little bit recently.","start_word":2550,"end_word":2572,"sentiment":"negative","sentiment_score":-0.4293190836906433},{"text":"And if they are not outperforming the returns, then there's no need to paying more fees for an investment if they're not going to give you that same return. So that is why I have recommended we change it to the BetaShares Australia two 100. Now that is the only new investment to your portfolio. Mhmm. All the others are just rebalancing. So you can see they are still keeping it in your portfolio. We're not completely selling out of it. It is just to rebalance your portfolio. Basically, rebalancing, it is the process of making sure that your superannuation continues to be invested in coding with your investment strategy, which is that aggressive investor for you because you do wanna maximize that growth in super while you still have time until retirement. But what can happen over time is that market movement can cause some investments to go up, represent a larger portion of your portfolio, while others kind of become a little bit smaller. So, basically, rebalancing or readjusting the percentages back into alignment basically just allows everything to retain their intended level of risk and keep helping your portfolio aligned with your risk profile and diversification. Does that make sense, David? Yep.","start_word":2573,"end_word":2777,"sentiment":"neutral","sentiment_score":0.1560453623533249},{"text":"Perfect. So pretty straightforward with the investments.","start_word":2778,"end_word":2784,"sentiment":"positive","sentiment_score":0.4731533229351044},{"text":"It is just swapping one for the other and rebalancing. Now if you would like to go and read up on all these investments in more detail as well, which I know is something that you are interested in, in the appendix, I have included investment links to each and every single one of these investments to give you that full transparency, and you can actually go and have a read over them if you would like. And that is all of them. Okay? Okay. Yep. Now on the next page, you will just see it's just the minimum cash balance required with hub twenty four. Not making any changes, obviously, as contributions and stuff goes in. The minimum is 1.25% from your account, which we do wanna stick to. We don't want any more cash because that's going to obviously impact the growth of your investment. So literally just that minimum target. Mhmm. Now the next page, so page 19, you will have the proposed asset allocation. Can you see that pie chart on the table? Yes. Yep. Now this one here basically shows you that Yes. aggressive risk profile. Now that is around a 100% in growth, not really focusing on any defensives, so no fixed interest or anything like that.","start_word":2785,"end_word":2997,"sentiment":"neutral","sentiment_score":0.13873086275069366},{"text":"It is mainly focusing on your growth investments, so your equity and property.","start_word":2998,"end_word":3010,"sentiment":"positive","sentiment_score":0.3371284604072571},{"text":"Now it then shows you your existing portfolio, so how that is currently invested, and then it also shows the proposed portfolio. Now you can see here that the only defensive is the minimum cash balance associated with the hub twenty four. Everything else is then diversified into Australian equities, international equities, and property for you. Both portfolios do still align with your risk profile, though. So we're not making any changes to the level of risk. It is literally just swapping investment that was underperforming and rebalancing everything back into alignment for you. Yep. Yep. Now when it comes through the fee structure, so page 22. Now we did touch on this a little bit during the under review, but I do wanna just recap on it for you. There is no changes in regards to that fee structure. It stays exactly the same at 1.65 from super. Now we do show you a yearly figure, but it is not a one off yearly fee coming out of your account.","start_word":3011,"end_word":3181,"sentiment":"neutral","sentiment_score":0.16685037314891815},{"text":"It is deducted on a monthly basis for you, and that is to make it more fair as well.","start_word":3182,"end_word":3200,"sentiment":"positive","sentiment_score":0.37373086810112},{"text":"Because it is a percentage of your balance and the market do tend to fluctuate, we are just deducting it on a monthly basis. But it also gives you the flexibility that if you are ever unhappy with the service or not sure what to do, you don't have to commit to a full twelve month and having to pay that one up fee. It's just a monthly deduction. There's no lock in contract. There's no exit fees or cancellation fees if you are ever not happy with the service or you don't wanna continue. Okay? Okay. Yep. Now, basically, that summarizes the advice.","start_word":3201,"end_word":3304,"sentiment":"neutral","sentiment_score":0.20407308638095856},{"text":"So pretty straightforward. I have recommended you retain hub twenty four and change your investments, and that basically outlines that for you.","start_word":3305,"end_word":3326,"sentiment":"positive","sentiment_score":0.46592781760475854},{"text":"Mhmm. Now the last thing I do wanna show you quickly before I let you go and get back to work is that appendix document and the comparisons between AustralianSuper and HESTA for you as well. So if you scroll through, so past that first document, it should automatically take you to the next one, and you should see a cover page to start with as well. Can you see that? So it will be the next document. So it will be the next one. So it basically as you scroll through the end of the first one, you should then kind of stop scrolling where it says statement of advice again prepared for yourself. And there's, like, another cover page with some mountains. And by the declaration. And you're saying at the bottom of the document. If you keep scrolling, yes, or it should say next. Depends on sometimes how your phone is set up. And if you keep scrolling or press next, No? Okay. There's nothing there? Okay. What I might do, I'll I'll triple check with IT after the call and see. But if it's not there, what I will do is I will send you a separate email with that Mhmm. attachment. So I will attach all the research material, and I will attach the document that I'm just talking about now because you don't have to sign that one. It is just for your reference to show you the research and the comparison. So I will go and Okay. check with IT once I get off the phone just to see if that somehow wasn't included. And if so or if not, then I will just send you a separate email and attach those documents. Okay? And what do you Yep. need to do to get them done? Nothing? Nothing right now. When you have a moment to have a look at it, though, if you are happy with the recommendation, which is to change those investments for you, I will then need you to the document that you are in, at the bottom of that document, it will ask you to sign. It will just be date and sign it, and that is if you are happy to remain a client and proceed with those investments. Now there Yep. is also a text box, and that text box allows you to type. So if it is that you don't wanna go ahead like, you you want to stay on as a client, but you don't wanna go ahead with one of the changes or the rebalance or anything like that, there is a free type box which allows you to type anything as well. Yep. Yep. Yep. And that's okay.","start_word":3327,"end_word":3782,"sentiment":"neutral","sentiment_score":0.11154360281662982},{"text":"Okay. Beautiful.","start_word":3783,"end_word":3784,"sentiment":"positive","sentiment_score":0.5102553367614746},{"text":"Now like I said there, David, as well, I will send you I'll check with IT, but I will also otherwise send you that document, which is the appendix. Now with the appendix is where you can then find those investment links through the investments if you wanted to go and have a bit of a read over it. And you can also see that comparison that I did consider Australian Super, along with HESTA. When I did look at the option, the most aggressive investment options they have is a high growth portfolio. So a little bit more defensive than your aggressive portfolio, but it is was the closest comparison I could find. And the difference in the balance when you have a look at it, that would be the capital gains tax. If you were to say, no. Wanna leave hub 24 and, for example, leave and go to. The capital gains Mhmm. tax would then be about 4,951. And when I consider the capital gains tax along with the fees, as long as that I along with that I couldn't achieve the same return, it wouldn't put you in as good of a position, and therefore, I did not recommend it at this time. Does that make sense? Yep.","start_word":3785,"end_word":3996,"sentiment":"neutral","sentiment_score":-0.06278906017541885},{"text":"Perfect.","start_word":3997,"end_word":3997,"sentiment":"positive","sentiment_score":0.387241393327713},{"text":"Now I will send you through this document as well so that you have everything. But, otherwise, like I said, take your time and read over the document. If you have any questions, let me know. Otherwise, if you do have a read through everything and you are happy to go ahead, it will just ask for that signature.","start_word":3998,"end_word":4056,"sentiment":"neutral","sentiment_score":0.1926656663417816},{"text":"It should then send it back to me automatically, and that lets me know that you are happy to proceed.","start_word":4057,"end_word":4076,"sentiment":"positive","sentiment_score":0.4891561269760132},{"text":"Okay? Alright.","start_word":4077,"end_word":4078,"sentiment":"neutral","sentiment_score":0.2904605567455292},{"text":"Yep. Perfect. Correct. Yes. You will have it within the next thirty minutes.","start_word":4079,"end_word":4091,"sentiment":"positive","sentiment_score":0.4967862069606781},{"text":"Yep. No Alright. worries. If there's anything else you need, though, David, at any point in time, don't hesitate to give me a call. Okay?","start_word":4092,"end_word":4116,"sentiment":"neutral","sentiment_score":0.10342497378587724},{"text":"Alright. Thank you very much. No worries. You enjoy the rest of your afternoon. Okay. You too. Thanks. Bye. Thank you. Bye bye.","start_word":4117,"end_word":4139,"sentiment":"positive","sentiment_score":0.579649031162262}],"average":{"sentiment":"neutral","sentiment_score":0.1269408788731337}}}}