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I've got you scheduled in to go over that document I emailed you the other week. Is now still a good time for you? Perfect. Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great. Thanks. Perfect. Thanks for that, Ankit. Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction. Now I'm not too sure what happened, but the signature didn't come through on that document. So what I'm gonna do is I'm gonna get the team to resend that one to you today. Just as I said, I'm not too sure what the auto sign did. The the signature didn't come through on the document. What did you remember signing that by any chance? Like, as in, like, drawing a signature? No. The doc the ODU sign you completed for your insurance reduction quote, that was, like, before I sent that through. Do you remember completing that? Odoo sign, like, o d, double o. Because it's a because you know we're talking about you wanted to reduce your life in TPD down to the one point 5,000,000. Yeah. Yeah. So it was that one, but I'm not too sure what happened. Like, the signature didn't come through on the document. So I'm not too sure what occurred. But, yeah, what I'm gonna do is I'm gonna get the team to resend that to you. It obviously hasn't passed the renewal date just yet. So what we'll do is we'll just resend that quote. And then, yeah, you just gotta ensure to draw the signature. Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one. Yeah. Yeah. Yeah. So that's that's what I'm saying. I can see that completed it as well. I just don't know what happened that there's no signature on the actual document itself. So I'm just gonna read, draw that up for you. So just so you're aware that it's not a double up, it's just that it the signature is not on it, so I can't submit it without it. So I'm not too sure exactly what happened. But that that's fine. Now in terms of the document there, Kij, have you had a chance to to read through those options, have a little look and compare a few things and have a bit of a read through? Yep. So in regards to that one, obviously, her advice will be quite new in terms of the recommendation that Dana would have made for Mino. So personalized advice is personalized for that reason. It's personalized to the individual, not just like if it was just like, like, anyone could sort of, you know, do it. A lot of it does, like oh, sorry. Yep. In terms of, like, the options available, they're available to everyone. In terms of, like, the strategy paper, generally, like, not too many people get a strategy paper because they just get an advice document. So you get, like, a little bit of a more of the figures on the options. Generally, like, people just go straight to the SOA stage, and then they'll have just a little bit of a brief, like, outline of the alternatives that were considered. They're just not placed in the document. And then if that someone wanted to view, like, a one alternate option, then it sort of ends up in the appendix, and then you get a few more figures with that as well. In terms of, like, the amount of information you're getting for the alternative options or the options available, generally, no. Like, that's just something if you wanna compare a little bit more in-depth before you make a sort of decision to be a part of that a little bit more as opposed to receiving the statement of advice. Mhmm. Yes. So in terms of, like, the options available, like, they're obviously available to to other, like, other customers there as well, especially sort of when it comes down to investments that are approved by the investment committee. In terms of, like, changes you can make, you you can make slight sort of adjustments within, like, a few sort of boundaries of, like, approved product lists and things like that. The strategic managed account that they have built now, that would be the same across the board for everyone in terms of the available ones there. So there's broken up into, like, four groups. So you've got your, like, your your more aggressive, your high growth and growth, and then your defensive portion. Now within that strategic managed account, you can break those up in terms of, like, you can have 30% in the higher growth and, you know, 70% in growth to get the, like, risk allocation that you'd like. But in terms of what's in across those accounts, all the same for everyone that would be in those. Much for the same if, like, the same portfolio was recommended, you may be in a similar portfolio to another customer. Obviously, it changes slightly in terms of how the weightings go. Your contributions going in the weightings do become a little bit askew, but it's all part of, like, our approved product list here at Oakview as well. Yep. Yep. Yep. So the yes. So yeah. No. I completely understand where you're coming from that kid. So when it comes down to your actual account itself, so the the difference between core and choice is the difference between investment menus, basically. One's like the base option, which has a little bit more of a limited menu, and then one has more available investment options if you do wanna become a little bit more customized in terms of your investment options or, like, not limit your investment horizons, basically, in terms of, like, what you can go into. Now the benefit of the SMA is that with that, the the core there, it's available on the core, and the core is actually cheaper in terms of management fees and member fees, which you can see in terms of, like, the the flat member fee account admin fee. So it's a 100 and $80 per annum to be in that choice, but for the the core option, there's no no fee there. It does cost a little bit in terms of the fact that some of the investments do make up for that. In terms of the investment cost can be a little bit higher in certain options, But what you're doing is you're saving that $108 flat membership fee if you were in sort of that strategic managed account. Now in terms of, like, the investment option that you're currently in, so you are currently in a a growth option there. Now that's about an eighty twenty split. Now the difference between that being active and passive and things like that as well does depend on what, like, sort of you have in your account. Now the majority of your portfolio is, like, passive index funds. Now and then you do have that actively managed account, that Benelung account, which as we both know didn't perform well that had that underlying investment. They sort of went really downhill with that. But that's not to say that your entire account is active. You have a small portion like a satellite directed towards that to try and outperform that market. Now, obviously, that does carry management risk and higher risk in terms of the fact that they are trying to out form the market. So you do have those things that do occur much like with Benelon. They made a bad choice, and it did affect their portfolio and performance there as well. Yep. Correct. So they're lower cost ETFs that are passively managed in terms of the indexes they follow. Yes. Apart from the bed alone. Yes. Yep. Yep. And I I completely agree with the way you sort of view risk and that you do sort of not like the those fluctuations as much that a more passive approach would be sort of in your better interest just in terms of peace of mind, the cost of savings that you would get. Now you do also get that in the SMA. Now because it is a strategically managed account, they can have active portions. Currently, it's all all passive within the SMA. You do pay a little bit more in terms of the investment cost, but that's also the benefit of having that SMA there as well is you have the managers at BlackRock and the investment committee here at Oakview that would also review those regularly and then be able to make changes like you were sort of requesting earlier as well when they sort of see changes in the market. Now you do pay a little bit more for that. It is managed to a certain degree, but it's not into the sense like a managed portfolio where they're really trying to out on the market currently. At the moment, they're just managing those index investments to find sort of, you know, value in the market to be able to change those, see things that are changing, and be able to make adjustments with that as well. Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well. Yep. There's the SMA, which is like it's passive investments, but it's it's yeah. So a passive and the SMA are both passive investments. One just has the ability for the managers here at OPU and the investment committee to make changes along the way. Whereas if you were to update something in that passive option, you would have to go back to advice. We'd have to do a whole document again and things like that as well. Yep. So once I think, like, with it being new, I think every sort of month or so they meet, and every quarter they do a review of the investments. Not to say that they'll change anything. They just obviously monitor it. So, basically, the portfolio is getting review at least, like, once a quarter as opposed to opposed to maybe, like, your once every 12 months with your or your six monthly catch up, things like that. And like I said, yeah, they're working with the investment committee. They'd use their AI software, Aladdin, to be able to research the markets as well, and it is powered a lot through that BlackRock software in terms of that built portfolio. Yep. Bear with me. I'll just bring that one back up there, Kij. Pay date, did you say? Yep. So so within even the the SMA, it's not like your funds are with BlackRock per se. They're just part of the committee that helps build and monitor the portfolio. Funds are still with us. They just are in some BlackRock investments similar to, like, the active portion as well. Your funds are still all under Oakview Financial. It's just the investments that are chosen. So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung. So Benelung obviously is has in is investing your money, but still your money is all, like, under managed by us. Similar with the SMA as well, it's not like we're giving your money off to to BlackRock to to manage. It's it's still under Oakview. You're still an Oakview customer. Just the the committee itself, you are in some BlackRock investments within that portfolio, that estimate. Not to say that it will be moving forward. It's quite fluid in terms of the changes and things like that that we'll make. The only thing that BlackRock gets out of that, basically, is by having you in some of those BlackRock investments similar to even if you weren't in the SMA. If you're in some BlackRock investments, they have investment fees for holding investment funds as well. So it's still no matter what option you choose, you're still an Oakview customer. Your funds are still with Oakview and still managed by Oakview. Yep. Yep. No. You'd still be within your, like, allocated risk profile. It would aim to be around that that eighty twenty split. I'll just see what it actually came out to with the the breakdown there. So you'd still be in line with your risk profile. We'd be looking at for the the SMA, you'd actually be a little less exposed. Yep. Exactly. So you'd have a little bit less allocated to actual growth assets. So, technically, you'd be a little bit actual growth assets. So, technically, you'd be a little bit dialing it back in terms of your level of risk, and then you will also not have a managed fund risk. Now in terms of, like, obviously, BlackRock and Oakview as investment committees review those investments and make changes, much like the investment committee that makes changes to these portfolios, the investment committee here has the approved product list. If anything, they've just got a little bit more backing through BlackRock. Now all the investments under that SMA aren't like BlackRock investments. There's certain, like, iShares and things like that as well that have just been been chosen due to the the lower cost of those and then their past performance, you know, future outlooks that they've built. Now in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy. So in terms of, like, geopolitical risks, you know, being diversified across different geographical locations and things like that as well, it is quite strict to criteria and what they actually can change. They can't just, like, you know, sell you all down and put you all into, like, one fund and things like that. They are quite strict. And if anything, BlackRock would be stricter to adhering to those allocations than say, you know, a smaller sort of firm being able to monitor those and make changes and things like that as well. Yep. Yep. Yep. That's good. Yep. Correct. Yeah. So with yeah. So even if I was to review your account quarterly with you, for me to change any of your investments, say, a quarter from now, even though I wouldn't recommend sort of changing your portfolio up that sort of regularly because that's a bit more day trade esque and, you know, you can be lumped with more taxes and things like that depending on how long they're held, which, you know, all accounted for with, you know, BlackRock. They do all those calculations where they just change it in the background. So when you buy into an SMA, they're the fund managers of that SMA, and you just hold the SMA. So, technically, you only hold that one underlying asset within that is much like a managed account. You hold multiple ETFs, multiple things like that as well. But they can change all the things, but your allocation of what you hold is still just either one or two, most likely, of those SMA accounts, and that will never sort of change. But everything underneath that is sort of ever changing as they grow and update. And if I was to just have you in that that one fund there, obviously, we can make changes. But every time we make a change, we've gotta go to advice again, have the conversations, redo your risk profile and everything, and then be able to update that in line with that as well. Yep. Yeah. If you're changing that regularly. Yeah. And and currently, it is all passive. Not to say that that would, like, it might change in the the the future. It might not. But, yeah, at the moment, they're all passive investments in the underlying just to, like, forewarn you. That's not to say that they weren't ad active in the future, and you could be in that SMA and they could ad active. You'll still get, like, your investment buy sell, like, updates on what's going in. But it's a lot harder to sort of view what's in there because it can be changing, like, as you sort of go along as well. It's still it's it's still there in a sense, but it's, like, dealt with by the managers underlying and changing those and dealing with that as well. You just have, like, the basically, like you said, like, the units of that. Yeah. But you still, like obviously, there's still taxes involved and you still bear the the cost of that, but it's not like if you were to hold it and then just have a huge, like, CGT. Like, you still pay CGT and things like that as well, but not when sort of those little buy sells occur. It's kinda built into the the buy sell cost, and it is managed a lot better inside an SMA than it is outside. No. No. No. It's it's it's all it's all passive, but it's so, like, it's, like, 80% investing in growth assets, and then the 20% will be more defensive side of things. So that's, like, your cash fixed interest bonds. Yeah. And then the other one's towards growth assets. So still all passive in nature in terms of their all index ETFs, things like that. But it's different between growth and defensive asset classes. So one obviously aims for more capital growth and then some earn like, with the defensive, either aim for, like, income earning, things like that, you know, like your fixed interest is bonds. Yeah. No. So the the SMA was actually, pardon me, was named by Oakview. I'll just bring up all of them, to be fair. I did send the the Oakview PDF, I believe, as well. That PDF is solely actually just in regards to the relationship with BlackRock, their investment portfolio process and everything as well, as long as, like, the fees and things like that and the buy sell spreads. Obviously, it is quite a lengthy document like you did say, but that's all in regards to that that SMA. So, obviously, it's different to, you know, Oaktree's other investments, but the different types of investments you can be invested into under that is growth, which is a more balanced. You've got your evergreen, which is a growth. Your blooms are high growth, and your catalyst is like an all growth or like a high growth, like all aggressive. And the the two funds that you'd be in, if you were to sort of look at that because we did, like, a split to get you to more of that seventy twenty split, you'd be invested, like, majority, like, two thirds in bloom and about a third sort of thing in evergreen, maybe a little bit more than a third. Yep. So if you scroll down to page page 13 just or even yeah. List all of them or yeah. Some it's like obviously crosses different pages and things like that of what they are. Yeah. Yeah. Page eight's got it as well of the different cost of products and the breakdowns. But, yeah, with yours, you'd be across Bloom and Evergreen, which is, like, your high growth and growth and a mix between that to get you closer to that seventy twenty split sorry. 80 and 20 split. Yep. Those would yes. Because just to get the balance like, obviously, you can mix the balances up a little bit in terms of that, but with you could either go, like, all in bloom, like, high growth or all in evergreen growth, but then the allocations might be a little askew. So with being allocated in both, not only do you get a little bit more diversification across that, and you can be split more across those investments given that you have greater diversification being in an SMA because you can spread your money a bit further because it's pooled with other people. And then with that, between the growth and the high growth there, you get that eighty twenty split, which is in line with that risk profile of yours of getting that sort of mid range where you're still aiming for growth, but you also don't want a huge amount of volatility as well. So I'll have a look at what the split, like, sort of comes down to. So it's about 60% would be in bloom and about 40% would be in evergreen. That's that's just a breakdown based on the the account balances for the figures I got. So just when they put that portfolio together for the figures that you have in that document, so that's not actually listed there in terms of that. Yeah. So, obviously, just on that strategy paper there, it just gives you the breakdowns. But yeah. And then across that, so those fees are based on, like, a 60 a $60.40 split between Bloom and Evergreen. I just didn't put that down, unfortunately. Sorry for that. Good. Yeah. Yeah. No. That's not in the doc that breakdown. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. It sort of depends on what you want it to the end of the day as well, Kj. But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay. But it is to be mindful that that's just because over the past sort of five years as well, the market have been doing really well post COVID in terms of, like, being on an upwards tick. And just being in those index investments, obviously, they're gonna perform really well because the market's been performing really well as well. Now with that, if you were in a passive investment for those five years, obviously, it would have performed really well. You wouldn't had to do too much. You wouldn't really had to have reviewed it. Now with the SMA, with it being a little bit more turbulent, you do get that peace of mind that you do have, like, a higher level of sort of software going towards reviewing, monitoring, updating that portfolio, a bit more professional management in terms of going forward as opposed to just doing quarterly catch ups, your your 12 monthly, things like that. Now, obviously, in terms of cost, there's not too much of a difference in terms of cost. Like, a $100 really isn't too much in terms of a yearly expense with the in regards to that. And then you do get those added benefits if it's reviewed more regularly. You don't have to worry as much. It does come with less admin work with the changes they do make. You obviously have a little less oversight in terms of, like, the changes that are being made, but you're still made aware with those email updates and the changes in the buyers and sales they do. Now they might not do it. They might change it. Depends just what the market and what they see moving forward as well. And it gives you a little bit more of peace of mind as well. And as an average of, like, moving forward and how it's been tracking sort of over that three year period as well, those investments that are currently have been doing quite well in addition to the fact that, you know, with that management ongoing as well, they could potentially outperform the market even through passive ETFs as well, which you wouldn't potentially get just a passive investment because it just tracks the market. And if the market was to hit a bit of a low with all the, you know, the world wars, I know Iran just kicked off on the weekend. So those sort of things. You don't know how the markets are gonna slow over the next few years with those conflicts going on. And even if you are paying a lower cost, that's fantastic. But if you're not sort of getting the returns there as well, there is that sort of downside that you can't make any changes without sort of coming back and going to advice as well. Yep. You've been around, know what they're doing. Yep. Yeah. Yeah. If anything too if anything too with the SMA, you actually have more diversification for that level of cost as well. Like, with the recommended portfolios, whether it be passive or active, our current portfolios, you kinda spread across, you know, like, normally the the six to eight sort of funds if that depending on the portfolio. Whereas in an estimate, because you pulled as well across those two funds as well, not just the singular fund. Obviously, there might be some overlap, but you actually have a wider degree of diversification across different assets as well. No. So that's one thing because it is an Oakview portfolio powered by BlackRock. At the moment, it's not public. So they will like, that's what, obviously, the end goal is to make it to where it is a publicly listed SMA that people can invest in even if you're not a customer of Oakview. But at the moment, it's built from the investment committee here within liaison with BlackRock. So it's like an overview portfolio SMA powered by BlackRock with the goal of going public at some point down the track. Yep. It sort of was in its final stages getting developed the end of last year and come January, it went live. So so with that, in regards to the investments within it, the investments within it have been around a lot longer than the SMA itself. That's why when they first started, they build it passively with those investments, much like if the investment kitty was to just pick, you know, a bunch of investments that are in the market currently and make a portfolio from that. It is much like that in the sense that they're not picking individual shares and building the portfolio. They're still using those ETFs that have been around a lot longer, which is how they're able to get those, you know, five year rolling averages, things like that as well. Because the investments that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA. They haven't just, like, built it based off individual shares. They've started, you know, with those index funds. They might move to more managed funds. They might hold some direct shares in the future, things like that as well. That's up to the direction of the investment committee and how they wanna build it moving forward as well. Yeah. Yeah. Yep. So it's in collaboration with BlackRock and then they do hold some BlackRock investments within that fund. But as far as the money itself, it's still held and managed by Oakview. And those grove and, like, the PDS, you can have a bit more of a read through it. Now you just sort of know it's towards the SMA. It is based on the fact that Oakview have built those. They're Oakview SMAs powered by BlackRock. Yeah. Yeah. It's a lot of information coming at you there, kid. Obviously, like, you know, it is sort of like through like, our conversations, I would say it's between the SMA and passive. It just if you want that little bit more of a professional oversight moving forward and, you know, a little bit let more of a a hands off. You obviously still get the updates. You still see what's going on. You can still call up and ask what's happening, what they're sort of doing. But in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could. But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well. Yep. With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more. And it's generally sort of at the end of each month if there's enough sort of allocated cash from your contributions going in that they do those those buys and and sells to rebalance it slightly. But it's inside yeah. So any sort of soul where there is a capital gain, obviously, there's losses that offset that as well. Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and the way that works. So even though there is still tax associated with that, you know, a managed fund might pay quite a bit more over the the life cycle of it being, like, active and, you know, the buyers and sales and the cost and sales and the changes as opposed to an SMA, if you just hold that one SMA, the the capital gains is generally lower as well over a longer period of time. Yep. Yeah. So with that, the the funds that carry across even currently from your current portfolio into the SMA, they still get in in species transferred. So any funds that match up with the funds that are actually in the SMA, they just carry across to the SMA. Now in terms of the ones that don't, it would just be like selling out and moving out. You're not locked in by any means, but, obviously, you still gotta pay the liable taxes and things like that if the investments change much like, you know, anything. So at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently. So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost. That is offset of, like that's with the offset of the the loss with the Benelon. Now if you went to, like, the active portion because a lot of the portfolio is staying the same, we're just changing likely the active portion and a few other the tweaks and rebalancing a bit. It is a lot lower. It's around the 300. And then if you went to the passive option, it would be a $500 CGT. That's because a lot of the portfolio would remain the same. The core would remain the same. It would just be a few a few changes and updates to make it a fully passive portfolio, which would do in turn to come from those active portions and the one that weren't performing too well. Whereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying across to the the SMA, if that makes sense. Lot of lot of admin. Yeah. So like like I said yeah. So I feel like the SMA, like, obviously, without, you know, putting it together and advice piece probably best suits you and your needs in terms of, like, not only, like, what you're getting out of it, but in terms of just, like, for ease of mind and your lifestyle and, you know, what you wanna get out of, you know, your investments as well. But the passive's still an option that's more than suitable for your needs depending on if you wanna go down that route as well. So if you were to do just, like, a passive option there as well, it would be largely like, a lot of the call would remain the same. And then with that, there would be some changes to the exposures with a few of the more satellites, but your S and P 500 would stay largely unchanged. A few of your alternate outside The US and things like that would change slightly. But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same. Yeah. And you don't have to make a decision on the spot. You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments. It's not a a huge rush. You've, you know, you've had a few weeks already. What's a couple more days for you to be able to digest the information a little bit as well? Yeah. Yeah. Exactly. And, like, although super is like a longer term game, obviously, you know, it doesn't hurt to review it like this may may go a few years without even making a change because the markets are doing well. But if they see something that they're forecasting coming, it means they can change it for a lot more people. Like, obviously, you know, we try and pick it up if we're doing quarterly reviews, yearly reviews, and things like that. But you may fall outside of something that is occurring, like, politically, that's outside of the scope and, you know, it is like a smaller firm as well. So it's harder to, you know, be able to to call you up, let you know what's happening without sort of just working through everyone because it comes up as it comes up sort of thing. Whereas the SMA, they're doing it not just for the SMA. It's everyone in the SMA, which can encompass a larger group or portion of the book. Yeah. Yep. So, like, the the actual funds themselves, how much is in them currently? I wouldn't be able to see exactly what's in it currently in terms of, like, a breakdown. Obviously, you know, it's only been started moving in since January there, but there are, like, still, I believe, it's probably at least a a half a million, if not more, that have already gone gone in just in recent times that I'm aware of. I'm not too sure. Yeah. Yeah. In terms of, like, funds under management, it's still a fund under management of OQ. And, like, obviously, we still have quite the number of, like, dollars under management in terms of everyone that is on board. I couldn't actually tell you the the exact number that's in the individual sort of SMAs currently though, but it is sort of in its earliest stages and in growing. That that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames. Otherwise, we couldn't do it. Now, and as they make changes, it actually becomes a lot harder to do those past projections because you've gotta take into account the fact that, you know, this investment was only in there for a year and then it wasn't and then, like, obviously, as a change of scope, it actually becomes a bit of a a projection or past performance nightmare. But currently, all the assets held under that portfolio have existed for those time frames, which is why we're able based on those past performances, what that would project out to be taken into account the the fees associated with that as well. Yeah. Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment. Yep. Yep. Yep. Other way around. So 60 bloom, four yeah. 60 bloom, 40 evergreen. There's those sort of rough amounts, and that gets you that eighty twenty sort of split between the assets. In a sense, but also no. So within regards to that, it just means a higher allocation to those growth assets. So even with that eighty twenty, it's 80% growth assets and 20% defensive. So the growth is anywhere between, you know, shares international versus domestic. So that includes your S and P 500. That's a growth asset. So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset. You don't carry the risk of, like, direct shares currently. You don't carry that fund manager risk apart from the, you know, the investment committee that makes those active changes if they were to sort of come up. But in saying that as well, you still have 20% dedicated to, you know, things like cash fixed interest and those sort of bonds that hold that defensive portion because those growth assets over the long terms are the ones that get you that capital growth. And at the moment as well, they're considering gold to be a growth asset even though it can be considered a bit of a defensive asset as well depending on the markets. So if anything, you might be a tad more defensive in a sense that you do hold gold within that if you were to go with that option as well. And if Like, we we're happy to I'm happy to have a play around with it to sort of if you, like, see one like, obviously, the growth and the high growth are in line more with your risk profile and the split between that's to get that eighty twenty. If we sort of jig that a little bit because you wanna go, you know, a little bit more to a balance or you wanna have a bit more in the, you know, the higher growth obviously, if you split across more than two, it gets a little bit higher in terms of cost, so I wouldn't sort of recommend that. But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well. It just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to be. Also, you could look at just doing the one and then just sort of riding the risk either being slightly below your risk profile range or maybe slightly above the risk profile range, but just holding the one the one SMA account as well. Yeah. Because because, obviously, you can't yeah. The accounts are built for balanced growth, high growth, and, like, all growth, which is like your aggressive option, which is why those four accounts exist and they're sort of just those they base. They stay within those ranges, and then we just move funds between them to make it within your risk profiles. Well, once the the growth and once the the high growth and with the split between that, it gives you that seventy twenty sort of split between the assets they hold within the fund. Yeah. No. That's perfectly fine, kid. Even if you wanna have another chat, that's more than fine as well. Yep. Three thousand 9. Yeah. No. That's fine. It was probably just your insurances, but I'll double check. I'm just confirming because I'll just have a look. Because I dare say it's just the insurance costs. Yeah. Yes. So on the nineteenth to the third was your premium due date minus your 15% rebate, which comes out to the $3,084.81, which lines up with that that rollover amount deducted for the trust. No. That was the the policy renewal for your insurances. So we obviously get a 22% trailing commission for that. Our one's a monthly amount that you pay towards us and our pre like, our service. But that that lump sum was just for the insurance premium for your Neos policy, which is coming up again in the like, this month, which is why we're doing that reduction now. But that's what I see that deduction for. Because, obviously, it comes out as a rollover because it goes to the trustee of the super fund, which is why it can be done through SuperStream rollovers. And that that amount matches up with that amount that you're sort of concerned about there as well. $3,084.81 was your yearly premium for the last year. Yep. Well, the the full amount is $3,629, but you get the 15% rebate for being inside super. But, yes, it has had a little bit of a jump up in terms of that as well. Whether that's oops, sorry? So oh, sorry. I'll just bring up that quote. So I can't remember off the top of my head what the the sums actually came to. Because there's two figures that you can see generally. Bear with me. Yes. Reduction quote. Pardon? You have no yeah. It's that only shows up in hub twenty four. The insurances, if you have group cover within hub twenty four. So you won't actually be able to see your external policy. In terms of the cover amount, so before the the reduction, it's $4,572 as a yearly premium, and then that drops down to $4,162.69 in terms of that premium. And then the rollover amount will actually be less because you'll get the 15% rebate out of that as well. So it's the one one point five of life and TPD, and then the income protection stay the same with that longer benefit, which is the largely where the cost is coming from, to the age of 65. So it'll be $4,162.69 as a yearly premium, then you'll get the rebate or the 15% discount for being inside super. So the rollover amount will be $3,538.28 for the the next twelve months for your insurance cost. The premium. Yeah. With Yep. Yeah. There is a withdrawal. There is a withdrawal history. The the view might be a little bit different for you. I can get you a deposits and withdrawals if you'd like, but the withdrawal payment you're referring to is that super super rollover for the insurances for last year, that $3,084. Also, if you're doing your cash statement as well, if you're playing around in there and having a look in the cash statement, that'll give you sort of you can go from, like, financial year to date, last financial year from inception, things like that, and you'll be able to see, you know, the buyers, the sellers, your contributions going in. In addition to that, you'll be able to see those withdrawals coming out as well. And that'll be just sort of an itemized list that you can go down and have a look at as well. And then with that, you'll see, like, your portfolio service fees, which is, like, your adviser service fees as well, which are, like, a monthly deduction. Yep. So you'll be able to see those in the cash statement. Also, in account reports, you can look at your deposits and withdrawals history report as well and then just generate that. No. It will be in so it's separate to the one that's in the the section you can see. So not in deposits and withdrawals. If you go to account reports, you should be able to you should be able to generate one on that list called deposits and withdrawals, and you can set your date ranges for that. And it'll give you your your contributions amount that you put in, also salary sacrifices and the withdrawals that come out of that account. Yeah. It's it's about three quarters of the way down in transaction reports. Deposits and withdrawals, and you'll be able to click on that one, and you can set your date ranges, and then you'll be able to generate the report and see see those figures. Yep. Yep. No. That's fine. Which section was that? Sorry. The in the cash statement or in your deposits and withdrawals? Because you can like, when you're in the cash statement, you can filter, and you can filter by, like, deposits or or withdrawals, and then that will give you just, like, your list and make it a lot like, if you're in the cash statement, you can just filter by, like, deposits, but you'll also get, like, your dividends paid and things like that as well. With the withdrawals, you can do your withdrawals, and that'll have, like, your buy movements and things like that as well. You can have your expenses as well within that that lovely like, your portfolio expense fees and adviser fees there as well, so your investment costs and then your adviser fees. And then I'll also come up there that, what else is the the income at? Yeah. Yeah. Yep. Yeah. No. That's fine. Obviously, that that deposits and withdrawal one will have your salary sacrifice, your super contributions split up, and then also with the withdrawal from that fund, which would be the insurance cost there as well. Yeah. And then you'll also have your tax liability. That's like the three ones that are generally listed on that report, and that's all line for line, like, dated. Yeah. Just in yeah. Transaction reports, deposits, withdrawals, and that will give you you one that you can see all of all of that as well. You're probably better off, like, doing your performance reports, like performance with internal rate of return or, like, your portfolio overview, things like that. Those other ones can get, like, a little bit confusing if you're not really sure what you're sort of looking at as well. But, yeah, the just your performance reports generally are really quite quite good. Your portfolio overview as well, just be able to have a look at that, and then you can sort of just come to us with any sort of questions you might have there as well. Yep. Yeah. Yeah. A little bit. But that's that's alright. Generally, I do like bigger bigger days so I can catch people after work and stuff, and daylight savings tends to help a little bit. So yeah. Yep. Mhmm. Not not a problem at all, kid. Just shoot us an email when you when you're ready. Obviously, no rush. But, yeah, feel free to to reach out with any questions you might have following that. Yeah. I'll get the the team to send out that Neos one just as well for that quote because I'm not I'm not too sure what happened. It's just the signature's not there. So I just have to be re signed. Perfect. Yeah. That'd be great. Thanks, Kij. No worries. Wait. No. Too easy. You enjoy the rest of your afternoon, Kijs. Thanks for your time. Cheers. Thanks. 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afternoon, kids. It's Carl calling from Ophi Financial. How's it going? Yeah. Not too bad at all, kids.\n\nThanks for asking. I've got you scheduled in to go over that document I emailed you the other week. Is now still a good time for you? Perfect. Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great.\n\nThanks. Perfect. Thanks for that, Ankit. Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction. Now I'm not too sure what happened, but the signature didn't come through on that document.\n\nSo what I'm gonna do is I'm gonna get the team to resend that one to you today. Just as I said, I'm not too sure what the auto sign did. The the signature didn't come through on the document. What did you remember signing that by any chance? Like, as in, like, drawing a signature?\n\nNo. The doc the ODU sign you completed for your insurance reduction quote, that was, like, before I sent that through. Do you remember completing that? Odoo sign, like, o d, double o. Because it's a because you know we're talking about you wanted to reduce your life in TPD down to the one point 5,000,000.\n\nYeah. Yeah. So it was that one, but I'm not too sure what happened. Like, the signature didn't come through on the document. So I'm not too sure what occurred.\n\nBut, yeah, what I'm gonna do is I'm gonna get the team to resend that to you. It obviously hasn't passed the renewal date just yet. So what we'll do is we'll just resend that quote. And then, yeah, you just gotta ensure to draw the signature. Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one.\n\nYeah. Yeah. Yeah. So that's that's what I'm saying. I can see that completed it as well.\n\nI just don't know what happened that there's no signature on the actual document itself. So I'm just gonna read, draw that up for you. So just so you're aware that it's not a double up, it's just that it the signature is not on it, so I can't submit it without it. So I'm not too sure exactly what happened. But that that's fine.\n\nNow in terms of the document there, Kij, have you had a chance to to read through those options, have a little look and compare a few things and have a bit of a read through? Yep. So in regards to that one, obviously, her advice will be quite new in terms of the recommendation that Dana would have made for Mino. So personalized advice is personalized for that reason. It's personalized to the individual, not just like if it was just like, like, anyone could sort of, you know, do it.\n\nA lot of it does, like oh, sorry. Yep. In terms of, like, the options available, they're available to everyone. In terms of, like, the strategy paper, generally, like, not too many people get a strategy paper because they just get an advice document. So you get, like, a little bit of a more of the figures on the options.\n\nGenerally, like, people just go straight to the SOA stage, and then they'll have just a little bit of a brief, like, outline of the alternatives that were considered. They're just not placed in the document. And then if that someone wanted to view, like, a one alternate option, then it sort of ends up in the appendix, and then you get a few more figures with that as well. In terms of, like, the amount of information you're getting for the alternative options or the options available, generally, no. Like, that's just something if you wanna compare a little bit more in-depth before you make a sort of decision to be a part of that a little bit more as opposed to receiving the statement of advice.\n\nMhmm. Yes. So in terms of, like, the options available, like, they're obviously available to to other, like, other customers there as well, especially sort of when it comes down to investments that are approved by the investment committee. In terms of, like, changes you can make, you you can make slight sort of adjustments within, like, a few sort of boundaries of, like, approved product lists and things like that. The strategic managed account that they have built now, that would be the same across the board for everyone in terms of the available ones there.\n\nSo there's broken up into, like, four groups. So you've got your, like, your your more aggressive, your high growth and growth, and then your defensive portion. Now within that strategic managed account, you can break those up in terms of, like, you can have 30% in the higher growth and, you know, 70% in growth to get the, like, risk allocation that you'd like. But in terms of what's in across those accounts, all the same for everyone that would be in those. Much for the same if, like, the same portfolio was recommended, you may be in a similar portfolio to another customer.\n\nObviously, it changes slightly in terms of how the weightings go. Your contributions going in the weightings do become a little bit askew, but it's all part of, like, our approved product list here at Oakview as well. Yep. Yep. Yep.\n\nSo the yes. So yeah. No. I completely understand where you're coming from that kid. So when it comes down to your actual account itself, so the the difference between core and choice is the difference between investment menus, basically.\n\nOne's like the base option, which has a little bit more of a limited menu, and then one has more available investment options if you do wanna become a little bit more customized in terms of your investment options or, like, not limit your investment horizons, basically, in terms of, like, what you can go into. Now the benefit of the SMA is that with that, the the core there, it's available on the core, and the core is actually cheaper in terms of management fees and member fees, which you can see in terms of, like, the the flat member fee account admin fee. So it's a 100 and $80 per annum to be in that choice, but for the the core option, there's no no fee there. It does cost a little bit in terms of the fact that some of the investments do make up for that. In terms of the investment cost can be a little bit higher in certain options, But what you're doing is you're saving that $108 flat membership fee if you were in sort of that strategic managed account.\n\nNow in terms of, like, the investment option that you're currently in, so you are currently in a a growth option there. Now that's about an eighty twenty split. Now the difference between that being active and passive and things like that as well does depend on what, like, sort of you have in your account. Now the majority of your portfolio is, like, passive index funds. Now and then you do have that actively managed account, that Benelung account, which as we both know didn't perform well that had that underlying investment.\n\nThey sort of went really downhill with that. But that's not to say that your entire account is active. You have a small portion like a satellite directed towards that to try and outperform that market. Now, obviously, that does carry management risk and higher risk in terms of the fact that they are trying to out form the market. So you do have those things that do occur much like with Benelon.\n\nThey made a bad choice, and it did affect their portfolio and performance there as well. Yep. Correct. So they're lower cost ETFs that are passively managed in terms of the indexes they follow. Yes.\n\nApart from the bed alone. Yes. Yep. Yep. And I I completely agree with the way you sort of view risk and that you do sort of not like the those fluctuations as much that a more passive approach would be sort of in your better interest just in terms of peace of mind, the cost of savings that you would get.\n\nNow you do also get that in the SMA. Now because it is a strategically managed account, they can have active portions. Currently, it's all all passive within the SMA. You do pay a little bit more in terms of the investment cost, but that's also the benefit of having that SMA there as well is you have the managers at BlackRock and the investment committee here at Oakview that would also review those regularly and then be able to make changes like you were sort of requesting earlier as well when they sort of see changes in the market. Now you do pay a little bit more for that.\n\nIt is managed to a certain degree, but it's not into the sense like a managed portfolio where they're really trying to out on the market currently. At the moment, they're just managing those index investments to find sort of, you know, value in the market to be able to change those, see things that are changing, and be able to make adjustments with that as well. Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well. Yep. There's the SMA, which is like it's passive investments, but it's it's yeah.\n\nSo a passive and the SMA are both passive investments. One just has the ability for the managers here at OPU and the investment committee to make changes along the way. Whereas if you were to update something in that passive option, you would have to go back to advice. We'd have to do a whole document again and things like that as well. Yep.\n\nSo once I think, like, with it being new, I think every sort of month or so they meet, and every quarter they do a review of the investments. Not to say that they'll change anything. They just obviously monitor it. So, basically, the portfolio is getting review at least, like, once a quarter as opposed to opposed to maybe, like, your once every 12 months with your or your six monthly catch up, things like that. And like I said, yeah, they're working with the investment committee.\n\nThey'd use their AI software, Aladdin, to be able to research the markets as well, and it is powered a lot through that BlackRock software in terms of that built portfolio. Yep. Bear with me. I'll just bring that one back up there, Kij. Pay date, did you say?\n\nYep. So so within even the the SMA, it's not like your funds are with BlackRock per se. They're just part of the committee that helps build and monitor the portfolio. Funds are still with us. They just are in some BlackRock investments similar to, like, the active portion as well.\n\nYour funds are still all under Oakview Financial. It's just the investments that are chosen. So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung. So Benelung obviously is has in is investing your money, but still your money is all, like, under managed by us. Similar with the SMA as well, it's not like we're giving your money off to to BlackRock to to manage.\n\nIt's it's still under Oakview. You're still an Oakview customer. Just the the committee itself, you are in some BlackRock investments within that portfolio, that estimate. Not to say that it will be moving forward. It's quite fluid in terms of the changes and things like that that we'll make.\n\nThe only thing that BlackRock gets out of that, basically, is by having you in some of those BlackRock investments similar to even if you weren't in the SMA. If you're in some BlackRock investments, they have investment fees for holding investment funds as well. So it's still no matter what option you choose, you're still an Oakview customer. Your funds are still with Oakview and still managed by Oakview. Yep.\n\nYep. No. You'd still be within your, like, allocated risk profile. It would aim to be around that that eighty twenty split. I'll just see what it actually came out to with the the breakdown there.\n\nSo you'd still be in line with your risk profile. We'd be looking at for the the SMA, you'd actually be a little less exposed. Yep. Exactly. So you'd have a little bit less allocated to actual growth assets.\n\nSo, technically, you'd be a little bit actual growth assets. So, technically, you'd be a little bit dialing it back in terms of your level of risk, and then you will also not have a managed fund risk. Now in terms of, like, obviously, BlackRock and Oakview as investment committees review those investments and make changes, much like the investment committee that makes changes to these portfolios, the investment committee here has the approved product list. If anything, they've just got a little bit more backing through BlackRock. Now all the investments under that SMA aren't like BlackRock investments.\n\nThere's certain, like, iShares and things like that as well that have just been been chosen due to the the lower cost of those and then their past performance, you know, future outlooks that they've built. Now in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy. So in terms of, like, geopolitical risks, you know, being diversified across different geographical locations and things like that as well, it is quite strict to criteria and what they actually can change. They can't just, like, you know, sell you all down and put you all into, like, one fund and things like that. They are quite strict.\n\nAnd if anything, BlackRock would be stricter to adhering to those allocations than say, you know, a smaller sort of firm being able to monitor those and make changes and things like that as well. Yep. Yep. Yep. That's good.\n\nYep. Correct. Yeah. So with yeah. So even if I was to review your account quarterly with you, for me to change any of your investments, say, a quarter from now, even though I wouldn't recommend sort of changing your portfolio up that sort of regularly because that's a bit more day trade esque and, you know, you can be lumped with more taxes and things like that depending on how long they're held, which, you know, all accounted for with, you know, BlackRock.\n\nThey do all those calculations where they just change it in the background. So when you buy into an SMA, they're the fund managers of that SMA, and you just hold the SMA. So, technically, you only hold that one underlying asset within that is much like a managed account. You hold multiple ETFs, multiple things like that as well. But they can change all the things, but your allocation of what you hold is still just either one or two, most likely, of those SMA accounts, and that will never sort of change.\n\nBut everything underneath that is sort of ever changing as they grow and update. And if I was to just have you in that that one fund there, obviously, we can make changes. But every time we make a change, we've gotta go to advice again, have the conversations, redo your risk profile and everything, and then be able to update that in line with that as well. Yep. Yeah.\n\nIf you're changing that regularly. Yeah. And and currently, it is all passive. Not to say that that would, like, it might change in the the the future. It might not.\n\nBut, yeah, at the moment, they're all passive investments in the underlying just to, like, forewarn you. That's not to say that they weren't ad active in the future, and you could be in that SMA and they could ad active. You'll still get, like, your investment buy sell, like, updates on what's going in. But it's a lot harder to sort of view what's in there because it can be changing, like, as you sort of go along as well. It's still it's it's still there in a sense, but it's, like, dealt with by the managers underlying and changing those and dealing with that as well.\n\nYou just have, like, the basically, like you said, like, the units of that. Yeah. But you still, like obviously, there's still taxes involved and you still bear the the cost of that, but it's not like if you were to hold it and then just have a huge, like, CGT. Like, you still pay CGT and things like that as well, but not when sort of those little buy sells occur. It's kinda built into the the buy sell cost, and it is managed a lot better inside an SMA than it is outside.\n\nNo. No. No. It's it's it's all it's all passive, but it's so, like, it's, like, 80% investing in growth assets, and then the 20% will be more defensive side of things. So that's, like, your cash fixed interest bonds.\n\nYeah. And then the other one's towards growth assets. So still all passive in nature in terms of their all index ETFs, things like that. But it's different between growth and defensive asset classes. So one obviously aims for more capital growth and then some earn like, with the defensive, either aim for, like, income earning, things like that, you know, like your fixed interest is bonds.\n\nYeah. No. So the the SMA was actually, pardon me, was named by Oakview. I'll just bring up all of them, to be fair. I did send the the Oakview PDF, I believe, as well.\n\nThat PDF is solely actually just in regards to the relationship with BlackRock, their investment portfolio process and everything as well, as long as, like, the fees and things like that and the buy sell spreads. Obviously, it is quite a lengthy document like you did say, but that's all in regards to that that SMA. So, obviously, it's different to, you know, Oaktree's other investments, but the different types of investments you can be invested into under that is growth, which is a more balanced. You've got your evergreen, which is a growth. Your blooms are high growth, and your catalyst is like an all growth or like a high growth, like all aggressive.\n\nAnd the the two funds that you'd be in, if you were to sort of look at that because we did, like, a split to get you to more of that seventy twenty split, you'd be invested, like, majority, like, two thirds in bloom and about a third sort of thing in evergreen, maybe a little bit more than a third. Yep. So if you scroll down to page page 13 just or even yeah. List all of them or yeah. Some it's like obviously crosses different pages and things like that of what they are.\n\nYeah. Yeah. Page eight's got it as well of the different cost of products and the breakdowns. But, yeah, with yours, you'd be across Bloom and Evergreen, which is, like, your high growth and growth and a mix between that to get you closer to that seventy twenty split sorry. 80 and 20 split.\n\nYep. Those would yes. Because just to get the balance like, obviously, you can mix the balances up a little bit in terms of that, but with you could either go, like, all in bloom, like, high growth or all in evergreen growth, but then the allocations might be a little askew. So with being allocated in both, not only do you get a little bit more diversification across that, and you can be split more across those investments given that you have greater diversification being in an SMA because you can spread your money a bit further because it's pooled with other people. And then with that, between the growth and the high growth there, you get that eighty twenty split, which is in line with that risk profile of yours of getting that sort of mid range where you're still aiming for growth, but you also don't want a huge amount of volatility as well.\n\nSo I'll have a look at what the split, like, sort of comes down to. So it's about 60% would be in bloom and about 40% would be in evergreen. That's that's just a breakdown based on the the account balances for the figures I got. So just when they put that portfolio together for the figures that you have in that document, so that's not actually listed there in terms of that. Yeah.\n\nSo, obviously, just on that strategy paper there, it just gives you the breakdowns. But yeah. And then across that, so those fees are based on, like, a 60 a $60.40 split between Bloom and Evergreen. I just didn't put that down, unfortunately. Sorry for that.\n\nGood. Yeah. Yeah. No. That's not in the doc that breakdown.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. It sort of depends on what you want it to the end of the day as well, Kj. But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay. But it is to be mindful that that's just because over the past sort of five years as well, the market have been doing really well post COVID in terms of, like, being on an upwards tick.\n\nAnd just being in those index investments, obviously, they're gonna perform really well because the market's been performing really well as well. Now with that, if you were in a passive investment for those five years, obviously, it would have performed really well. You wouldn't had to do too much. You wouldn't really had to have reviewed it. Now with the SMA, with it being a little bit more turbulent, you do get that peace of mind that you do have, like, a higher level of sort of software going towards reviewing, monitoring, updating that portfolio, a bit more professional management in terms of going forward as opposed to just doing quarterly catch ups, your your 12 monthly, things like that.\n\nNow, obviously, in terms of cost, there's not too much of a difference in terms of cost. Like, a $100 really isn't too much in terms of a yearly expense with the in regards to that. And then you do get those added benefits if it's reviewed more regularly. You don't have to worry as much. It does come with less admin work with the changes they do make.\n\nYou obviously have a little less oversight in terms of, like, the changes that are being made, but you're still made aware with those email updates and the changes in the buyers and sales they do. Now they might not do it. They might change it. Depends just what the market and what they see moving forward as well. And it gives you a little bit more of peace of mind as well.\n\nAnd as an average of, like, moving forward and how it's been tracking sort of over that three year period as well, those investments that are currently have been doing quite well in addition to the fact that, you know, with that management ongoing as well, they could potentially outperform the market even through passive ETFs as well, which you wouldn't potentially get just a passive investment because it just tracks the market. And if the market was to hit a bit of a low with all the, you know, the world wars, I know Iran just kicked off on the weekend. So those sort of things. You don't know how the markets are gonna slow over the next few years with those conflicts going on. And even if you are paying a lower cost, that's fantastic.\n\nBut if you're not sort of getting the returns there as well, there is that sort of downside that you can't make any changes without sort of coming back and going to advice as well. Yep. You've been around, know what they're doing. Yep. Yeah.\n\nYeah. If anything too if anything too with the SMA, you actually have more diversification for that level of cost as well. Like, with the recommended portfolios, whether it be passive or active, our current portfolios, you kinda spread across, you know, like, normally the the six to eight sort of funds if that depending on the portfolio. Whereas in an estimate, because you pulled as well across those two funds as well, not just the singular fund. Obviously, there might be some overlap, but you actually have a wider degree of diversification across different assets as well.\n\nNo. So that's one thing because it is an Oakview portfolio powered by BlackRock. At the moment, it's not public. So they will like, that's what, obviously, the end goal is to make it to where it is a publicly listed SMA that people can invest in even if you're not a customer of Oakview. But at the moment, it's built from the investment committee here within liaison with BlackRock.\n\nSo it's like an overview portfolio SMA powered by BlackRock with the goal of going public at some point down the track. Yep. It sort of was in its final stages getting developed the end of last year and come January, it went live. So so with that, in regards to the investments within it, the investments within it have been around a lot longer than the SMA itself. That's why when they first started, they build it passively with those investments, much like if the investment kitty was to just pick, you know, a bunch of investments that are in the market currently and make a portfolio from that.\n\nIt is much like that in the sense that they're not picking individual shares and building the portfolio. They're still using those ETFs that have been around a lot longer, which is how they're able to get those, you know, five year rolling averages, things like that as well. Because the investments that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA. They haven't just, like, built it based off individual shares. They've started, you know, with those index funds.\n\nThey might move to more managed funds. They might hold some direct shares in the future, things like that as well. That's up to the direction of the investment committee and how they wanna build it moving forward as well. Yeah. Yeah.\n\nYep. So it's in collaboration with BlackRock and then they do hold some BlackRock investments within that fund. But as far as the money itself, it's still held and managed by Oakview. And those grove and, like, the PDS, you can have a bit more of a read through it. Now you just sort of know it's towards the SMA.\n\nIt is based on the fact that Oakview have built those. They're Oakview SMAs powered by BlackRock. Yeah. Yeah. It's a lot of information coming at you there, kid.\n\nObviously, like, you know, it is sort of like through like, our conversations, I would say it's between the SMA and passive. It just if you want that little bit more of a professional oversight moving forward and, you know, a little bit let more of a a hands off. You obviously still get the updates. You still see what's going on. You can still call up and ask what's happening, what they're sort of doing.\n\nBut in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could. But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well. Yep. With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more. And it's generally sort of at the end of each month if there's enough sort of allocated cash from your contributions going in that they do those those buys and and sells to rebalance it slightly.\n\nBut it's inside yeah. So any sort of soul where there is a capital gain, obviously, there's losses that offset that as well. Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and the way that works. So even though there is still tax associated with that, you know, a managed fund might pay quite a bit more over the the life cycle of it being, like, active and, you know, the buyers and sales and the cost and sales and the changes as opposed to an SMA, if you just hold that one SMA, the the capital gains is generally lower as well over a longer period of time. Yep.\n\nYeah. So with that, the the funds that carry across even currently from your current portfolio into the SMA, they still get in in species transferred. So any funds that match up with the funds that are actually in the SMA, they just carry across to the SMA. Now in terms of the ones that don't, it would just be like selling out and moving out. You're not locked in by any means, but, obviously, you still gotta pay the liable taxes and things like that if the investments change much like, you know, anything.\n\nSo at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently. So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost. That is offset of, like that's with the offset of the the loss with the Benelon. Now if you went to, like, the active portion because a lot of the portfolio is staying the same, we're just changing likely the active portion and a few other the tweaks and rebalancing a bit. It is a lot lower.\n\nIt's around the 300. And then if you went to the passive option, it would be a $500 CGT. That's because a lot of the portfolio would remain the same. The core would remain the same. It would just be a few a few changes and updates to make it a fully passive portfolio, which would do in turn to come from those active portions and the one that weren't performing too well.\n\nWhereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying across to the the SMA, if that makes sense. Lot of lot of admin. Yeah. So like like I said yeah. So I feel like the SMA, like, obviously, without, you know, putting it together and advice piece probably best suits you and your needs in terms of, like, not only, like, what you're getting out of it, but in terms of just, like, for ease of mind and your lifestyle and, you know, what you wanna get out of, you know, your investments as well.\n\nBut the passive's still an option that's more than suitable for your needs depending on if you wanna go down that route as well. So if you were to do just, like, a passive option there as well, it would be largely like, a lot of the call would remain the same. And then with that, there would be some changes to the exposures with a few of the more satellites, but your S and P 500 would stay largely unchanged. A few of your alternate outside The US and things like that would change slightly. But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same.\n\nYeah. And you don't have to make a decision on the spot. You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments. It's not a a huge rush. You've, you know, you've had a few weeks already.\n\nWhat's a couple more days for you to be able to digest the information a little bit as well? Yeah. Yeah. Exactly. And, like, although super is like a longer term game, obviously, you know, it doesn't hurt to review it like this may may go a few years without even making a change because the markets are doing well.\n\nBut if they see something that they're forecasting coming, it means they can change it for a lot more people. Like, obviously, you know, we try and pick it up if we're doing quarterly reviews, yearly reviews, and things like that. But you may fall outside of something that is occurring, like, politically, that's outside of the scope and, you know, it is like a smaller firm as well. So it's harder to, you know, be able to to call you up, let you know what's happening without sort of just working through everyone because it comes up as it comes up sort of thing. Whereas the SMA, they're doing it not just for the SMA.\n\nIt's everyone in the SMA, which can encompass a larger group or portion of the book. Yeah. Yep. So, like, the the actual funds themselves, how much is in them currently? I wouldn't be able to see exactly what's in it currently in terms of, like, a breakdown.\n\nObviously, you know, it's only been started moving in since January there, but there are, like, still, I believe, it's probably at least a a half a million, if not more, that have already gone gone in just in recent times that I'm aware of. I'm not too sure. Yeah. Yeah. In terms of, like, funds under management, it's still a fund under management of OQ.\n\nAnd, like, obviously, we still have quite the number of, like, dollars under management in terms of everyone that is on board. I couldn't actually tell you the the exact number that's in the individual sort of SMAs currently though, but it is sort of in its earliest stages and in growing. That that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames. Otherwise, we couldn't do it. Now, and as they make changes, it actually becomes a lot harder to do those past projections because you've gotta take into account the fact that, you know, this investment was only in there for a year and then it wasn't and then, like, obviously, as a change of scope, it actually becomes a bit of a a projection or past performance nightmare.\n\nBut currently, all the assets held under that portfolio have existed for those time frames, which is why we're able based on those past performances, what that would project out to be taken into account the the fees associated with that as well. Yeah. Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment. Yep. Yep.\n\nYep. Other way around. So 60 bloom, four yeah. 60 bloom, 40 evergreen. There's those sort of rough amounts, and that gets you that eighty twenty sort of split between the assets.\n\nIn a sense, but also no. So within regards to that, it just means a higher allocation to those growth assets. So even with that eighty twenty, it's 80% growth assets and 20% defensive. So the growth is anywhere between, you know, shares international versus domestic. So that includes your S and P 500.\n\nThat's a growth asset. So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset. You don't carry the risk of, like, direct shares currently. You don't carry that fund manager risk apart from the, you know, the investment committee that makes those active changes if they were to sort of come up. But in saying that as well, you still have 20% dedicated to, you know, things like cash fixed interest and those sort of bonds that hold that defensive portion because those growth assets over the long terms are the ones that get you that capital growth.\n\nAnd at the moment as well, they're considering gold to be a growth asset even though it can be considered a bit of a defensive asset as well depending on the markets. So if anything, you might be a tad more defensive in a sense that you do hold gold within that if you were to go with that option as well. And if Like, we we're happy to I'm happy to have a play around with it to sort of if you, like, see one like, obviously, the growth and the high growth are in line more with your risk profile and the split between that's to get that eighty twenty. If we sort of jig that a little bit because you wanna go, you know, a little bit more to a balance or you wanna have a bit more in the, you know, the higher growth obviously, if you split across more than two, it gets a little bit higher in terms of cost, so I wouldn't sort of recommend that. But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well.\n\nIt just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to be. Also, you could look at just doing the one and then just sort of riding the risk either being slightly below your risk profile range or maybe slightly above the risk profile range, but just holding the one the one SMA account as well. Yeah. Because because, obviously, you can't yeah. The accounts are built for balanced growth, high growth, and, like, all growth, which is like your aggressive option, which is why those four accounts exist and they're sort of just those they base.\n\nThey stay within those ranges, and then we just move funds between them to make it within your risk profiles. Well, once the the growth and once the the high growth and with the split between that, it gives you that seventy twenty sort of split between the assets they hold within the fund. Yeah. No. That's perfectly fine, kid.\n\nEven if you wanna have another chat, that's more than fine as well. Yep. Three thousand 9. Yeah. No.\n\nThat's fine. It was probably just your insurances, but I'll double check. I'm just confirming because I'll just have a look. Because I dare say it's just the insurance costs. Yeah.\n\nYes. So on the nineteenth to the third was your premium due date minus your 15% rebate, which comes out to the $3,084.81, which lines up with that that rollover amount deducted for the trust. No. That was the the policy renewal for your insurances. So we obviously get a 22% trailing commission for that.\n\nOur one's a monthly amount that you pay towards us and our pre like, our service. But that that lump sum was just for the insurance premium for your Neos policy, which is coming up again in the like, this month, which is why we're doing that reduction now. But that's what I see that deduction for. Because, obviously, it comes out as a rollover because it goes to the trustee of the super fund, which is why it can be done through SuperStream rollovers. And that that amount matches up with that amount that you're sort of concerned about there as well.\n\n$3,084.81 was your yearly premium for the last year. Yep. Well, the the full amount is $3,629, but you get the 15% rebate for being inside super. But, yes, it has had a little bit of a jump up in terms of that as well. Whether that's oops, sorry?\n\nSo oh, sorry. I'll just bring up that quote. So I can't remember off the top of my head what the the sums actually came to. Because there's two figures that you can see generally. Bear with me.\n\nYes. Reduction quote. Pardon? You have no yeah. It's that only shows up in hub twenty four.\n\nThe insurances, if you have group cover within hub twenty four. So you won't actually be able to see your external policy. In terms of the cover amount, so before the the reduction, it's $4,572 as a yearly premium, and then that drops down to $4,162.69 in terms of that premium. And then the rollover amount will actually be less because you'll get the 15% rebate out of that as well. So it's the one one point five of life and TPD, and then the income protection stay the same with that longer benefit, which is the largely where the cost is coming from, to the age of 65.\n\nSo it'll be $4,162.69 as a yearly premium, then you'll get the rebate or the 15% discount for being inside super. So the rollover amount will be $3,538.28 for the the next twelve months for your insurance cost. The premium. Yeah. With Yep.\n\nYeah. There is a withdrawal. There is a withdrawal history. The the view might be a little bit different for you. I can get you a deposits and withdrawals if you'd like, but the withdrawal payment you're referring to is that super super rollover for the insurances for last year, that $3,084.\n\nAlso, if you're doing your cash statement as well, if you're playing around in there and having a look in the cash statement, that'll give you sort of you can go from, like, financial year to date, last financial year from inception, things like that, and you'll be able to see, you know, the buyers, the sellers, your contributions going in. In addition to that, you'll be able to see those withdrawals coming out as well. And that'll be just sort of an itemized list that you can go down and have a look at as well. And then with that, you'll see, like, your portfolio service fees, which is, like, your adviser service fees as well, which are, like, a monthly deduction. Yep.\n\nSo you'll be able to see those in the cash statement. Also, in account reports, you can look at your deposits and withdrawals history report as well and then just generate that. No. It will be in so it's separate to the one that's in the the section you can see. So not in deposits and withdrawals.\n\nIf you go to account reports, you should be able to you should be able to generate one on that list called deposits and withdrawals, and you can set your date ranges for that. And it'll give you your your contributions amount that you put in, also salary sacrifices and the withdrawals that come out of that account. Yeah. It's it's about three quarters of the way down in transaction reports. Deposits and withdrawals, and you'll be able to click on that one, and you can set your date ranges, and then you'll be able to generate the report and see see those figures.\n\nYep. Yep. No. That's fine. Which section was that?\n\nSorry. The in the cash statement or in your deposits and withdrawals? Because you can like, when you're in the cash statement, you can filter, and you can filter by, like, deposits or or withdrawals, and then that will give you just, like, your list and make it a lot like, if you're in the cash statement, you can just filter by, like, deposits, but you'll also get, like, your dividends paid and things like that as well. With the withdrawals, you can do your withdrawals, and that'll have, like, your buy movements and things like that as well. You can have your expenses as well within that that lovely like, your portfolio expense fees and adviser fees there as well, so your investment costs and then your adviser fees.\n\nAnd then I'll also come up there that, what else is the the income at? Yeah. Yeah. Yep. Yeah.\n\nNo. That's fine. Obviously, that that deposits and withdrawal one will have your salary sacrifice, your super contributions split up, and then also with the withdrawal from that fund, which would be the insurance cost there as well. Yeah. And then you'll also have your tax liability.\n\nThat's like the three ones that are generally listed on that report, and that's all line for line, like, dated. Yeah. Just in yeah. Transaction reports, deposits, withdrawals, and that will give you you one that you can see all of all of that as well. You're probably better off, like, doing your performance reports, like performance with internal rate of return or, like, your portfolio overview, things like that.\n\nThose other ones can get, like, a little bit confusing if you're not really sure what you're sort of looking at as well. But, yeah, the just your performance reports generally are really quite quite good. Your portfolio overview as well, just be able to have a look at that, and then you can sort of just come to us with any sort of questions you might have there as well. Yep. Yeah.\n\nYeah. A little bit. But that's that's alright. Generally, I do like bigger bigger days so I can catch people after work and stuff, and daylight savings tends to help a little bit. So yeah.\n\nYep. Mhmm. Not not a problem at all, kid. Just shoot us an email when you when you're ready. Obviously, no rush.\n\nBut, yeah, feel free to to reach out with any questions you might have following that. Yeah. I'll get the the team to send out that Neos one just as well for that quote because I'm not I'm not too sure what happened. It's just the signature's not there. So I just have to be re signed.\n\nPerfect. Yeah. That'd be great. Thanks, Kij. No worries.\n\nWait. No. Too easy. You enjoy the rest of your afternoon, Kijs. Thanks for your time.\n\nCheers. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, kids.","start":3.28,"end":4.08,"sentiment":"positive","sentiment_score":0.35370375712712604},{"text":"It's Carl calling from Ophi Financial.","start":4.08,"end":5.62,"sentiment":"neutral","sentiment_score":0.22020573914051056},{"text":"How's it going?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.27961065371831256},{"text":"Yeah.","start":10.16,"end":10.559999,"sentiment":"neutral","sentiment_score":0.241932213306427},{"text":"Not too bad at all, kids.","start":10.559999,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.31351687510808307}],"sentiment":"neutral","sentiment_score":0.2812742700702266,"num_words":19,"start":3.28,"end":11.5199995},{"sentences":[{"text":"Thanks for asking.","start":11.5199995,"end":12.42,"sentiment":"positive","sentiment_score":0.6825142701466879},{"text":"I've got you scheduled in to go over that document I emailed you the other week.","start":12.934999,"end":16.295,"sentiment":"positive","sentiment_score":0.3775789476931095},{"text":"Is now still a good time for you?","start":16.295,"end":17.835,"sentiment":"positive","sentiment_score":0.35621073096990585},{"text":"Perfect.","start":22.294998,"end":22.794998,"sentiment":"positive","sentiment_score":0.5866800546646118},{"text":"Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great.","start":22.855,"end":27.735,"sentiment":"positive","sentiment_score":0.48565881119834053}],"sentiment":"positive","sentiment_score":0.44796290506016123,"num_words":55,"start":11.5199995,"end":27.735},{"sentences":[{"text":"Thanks.","start":27.735,"end":28.235,"sentiment":"positive","sentiment_score":0.5028591752052307},{"text":"Perfect.","start":37.33,"end":37.73,"sentiment":"positive","sentiment_score":0.5579694509506226},{"text":"Thanks for that, Ankit.","start":37.73,"end":38.79,"sentiment":"positive","sentiment_score":0.6321197301149368},{"text":"Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction.","start":39.010002,"end":45.685,"sentiment":"neutral","sentiment_score":0.03634578324854374},{"text":"Now I'm not too sure what happened, but the signature didn't come through on that document.","start":45.745003,"end":49.425,"sentiment":"neutral","sentiment_score":-0.22634359262883663}],"sentiment":"neutral","sentiment_score":0.018647971186549105,"num_words":47,"start":27.735,"end":49.425},{"sentences":[{"text":"So what I'm gonna do is I'm gonna get the team to resend that one to you today.","start":49.425,"end":52.725,"sentiment":"neutral","sentiment_score":0.009015234652906656},{"text":"Just as I said, I'm not too sure what the auto sign did.","start":53.105,"end":56.165,"sentiment":"neutral","sentiment_score":-0.14918621744100863},{"text":"The the signature didn't come through on the document.","start":57.0,"end":59.179996,"sentiment":"neutral","sentiment_score":-0.1998863418896993},{"text":"What did you remember signing that by any chance?","start":59.48,"end":63.879997,"sentiment":"neutral","sentiment_score":-0.05505113469229804},{"text":"Like, as in, like, drawing a signature?","start":63.879997,"end":65.58,"sentiment":"neutral","sentiment_score":-0.03477485424705914}],"sentiment":"neutral","sentiment_score":-0.0770537119990747,"num_words":56,"start":49.425,"end":65.58},{"sentences":[{"text":"No.","start":73.655,"end":73.895004,"sentiment":"neutral","sentiment_score":-0.1840976923704147},{"text":"The doc the ODU sign you completed for your insurance reduction quote, that was, like, before I sent that through.","start":73.895004,"end":80.075005,"sentiment":"neutral","sentiment_score":-0.12124221287667751},{"text":"Do you remember completing that?","start":80.535,"end":82.14,"sentiment":"neutral","sentiment_score":-0.04407830014824867},{"text":"Odoo sign, like, o d, double o.","start":90.06,"end":92.64,"sentiment":"neutral","sentiment_score":-0.034332450213176866},{"text":"Because it's a because you know we're talking about you wanted to reduce your life in TPD down to the one point 5,000,000.","start":98.315,"end":104.575,"sentiment":"neutral","sentiment_score":-0.05966656549793223}],"sentiment":"neutral","sentiment_score":-0.07932127872481942,"num_words":56,"start":73.655,"end":104.575},{"sentences":[{"text":"Yeah.","start":116.409996,"end":116.909996,"sentiment":"neutral","sentiment_score":-0.056353356689214706},{"text":"Yeah.","start":128.745,"end":129.145,"sentiment":"neutral","sentiment_score":-0.11471665650606155},{"text":"So it was that one, but I'm not too sure what happened.","start":129.145,"end":131.465,"sentiment":"neutral","sentiment_score":-0.2739303894340992},{"text":"Like, the signature didn't come through on the document.","start":131.465,"end":133.72499,"sentiment":"negative","sentiment_score":-0.3925272093878852},{"text":"So I'm not too sure what occurred.","start":133.85,"end":137.21,"sentiment":"neutral","sentiment_score":-0.20719451031514577}],"sentiment":"neutral","sentiment_score":-0.2813780381033818,"num_words":30,"start":116.409996,"end":137.21},{"sentences":[{"text":"But, yeah, what I'm gonna do is I'm gonna get the team to resend that to you.","start":137.21,"end":140.65001,"sentiment":"neutral","sentiment_score":0.025992296033484096},{"text":"It obviously hasn't passed the renewal date just yet.","start":140.65001,"end":143.21,"sentiment":"neutral","sentiment_score":-0.2310580611228943},{"text":"So what we'll do is we'll just resend that quote.","start":143.21,"end":145.39,"sentiment":"neutral","sentiment_score":0.038882024213671686},{"text":"And then, yeah, you just gotta ensure to draw the signature.","start":146.435,"end":149.315,"sentiment":"neutral","sentiment_score":0.022108604623512787},{"text":"Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one.","start":149.315,"end":154.135,"sentiment":"neutral","sentiment_score":-0.22801905373732248}],"sentiment":"neutral","sentiment_score":-0.08520645225037109,"num_words":68,"start":137.21,"end":154.135},{"sentences":[{"text":"Yeah.","start":166.61,"end":167.01,"sentiment":"neutral","sentiment_score":0.03264262154698372},{"text":"Yeah.","start":167.01,"end":167.51,"sentiment":"neutral","sentiment_score":0.04072306305170059},{"text":"Yeah.","start":167.81,"end":168.12999,"sentiment":"neutral","sentiment_score":0.055656008422374725},{"text":"So that's that's what I'm saying.","start":168.12999,"end":169.56999,"sentiment":"neutral","sentiment_score":0.06532818327347438},{"text":"I can see that completed it as well.","start":169.56999,"end":171.605,"sentiment":"neutral","sentiment_score":0.09978967206552625}],"sentiment":"neutral","sentiment_score":0.0776063628933009,"num_words":17,"start":166.61,"end":171.605},{"sentences":[{"text":"I just don't know what happened that there's no signature on the actual document itself.","start":171.665,"end":175.665,"sentiment":"neutral","sentiment_score":-0.1780566891034444},{"text":"So I'm just gonna read, draw that up for you.","start":175.665,"end":177.58499,"sentiment":"neutral","sentiment_score":0.021707479655742646},{"text":"So just so you're aware that it's not a double up, it's just that it the signature is not on it, so I can't submit it without it.","start":177.58499,"end":184.83,"sentiment":"neutral","sentiment_score":-0.14217552276594297},{"text":"So I'm not too sure exactly what happened.","start":184.83,"end":186.93,"sentiment":"neutral","sentiment_score":-0.2331785373389721},{"text":"But that that's fine.","start":187.62999,"end":189.01,"sentiment":"neutral","sentiment_score":0.03204936161637306}],"sentiment":"neutral","sentiment_score":-0.1257218619951835,"num_words":65,"start":171.665,"end":189.01},{"sentences":[{"text":"Now in terms of the document there, Kij, have you had a chance to to read through those options, have a little look and compare a few things and have a bit of a read through?","start":189.70999,"end":197.685,"sentiment":"neutral","sentiment_score":0.08405094221234322},{"text":"Yep.","start":200.165,"end":200.665,"sentiment":"neutral","sentiment_score":0.04603278636932373},{"text":"So in regards to that one, obviously, her advice will be quite new in terms of the recommendation that Dana would have made for Mino.","start":214.66,"end":223.0,"sentiment":"neutral","sentiment_score":-0.0017395372688770293},{"text":"So personalized advice is personalized for that reason.","start":223.14,"end":226.875,"sentiment":"neutral","sentiment_score":0.10846370412036777},{"text":"It's personalized to the individual, not just like if it was just like, like, anyone could sort of, you know, do it.","start":226.875,"end":233.27501,"sentiment":"neutral","sentiment_score":0.09463803351602772}],"sentiment":"neutral","sentiment_score":0.06497961570225332,"num_words":92,"start":189.70999,"end":233.27501},{"sentences":[{"text":"A lot of it does, like oh, sorry.","start":233.27501,"end":235.215,"sentiment":"neutral","sentiment_score":-0.1786729283630848},{"text":"Yep.","start":240.49,"end":240.99,"sentiment":"neutral","sentiment_score":-0.03393314778804779},{"text":"In terms of, like, the options available, they're available to everyone.","start":255.785,"end":259.145,"sentiment":"neutral","sentiment_score":0.15962867506525732},{"text":"In terms of, like, the strategy paper, generally, like, not too many people get a strategy paper because they just get an advice document.","start":259.145,"end":265.325,"sentiment":"neutral","sentiment_score":0.06014003464952111},{"text":"So you get, like, a little bit of a more of the figures on the options.","start":265.86002,"end":270.02002,"sentiment":"neutral","sentiment_score":0.08204458421096206}],"sentiment":"neutral","sentiment_score":0.0508112171664834,"num_words":60,"start":233.27501,"end":270.02002},{"sentences":[{"text":"Generally, like, people just go straight to the SOA stage, and then they'll have just a little bit of a brief, like, outline of the alternatives that were considered.","start":270.02002,"end":278.98,"sentiment":"neutral","sentiment_score":0.057030344831532444},{"text":"They're just not placed in the document.","start":278.98,"end":280.6,"sentiment":"neutral","sentiment_score":-0.13863508509738104},{"text":"And then if that someone wanted to view, like, a one alternate option, then it sort of ends up in the appendix, and then you get a few more figures with that as well.","start":280.895,"end":288.195,"sentiment":"neutral","sentiment_score":0.027483546229846337},{"text":"In terms of, like, the amount of information you're getting for the alternative options or the options available, generally, no.","start":288.575,"end":294.335,"sentiment":"neutral","sentiment_score":0.015075546503067017},{"text":"Like, that's just something if you wanna compare a little bit more in-depth before you make a sort of decision to be a part of that a little bit more as opposed to receiving the statement of advice.","start":294.335,"end":303.81,"sentiment":"neutral","sentiment_score":-0.06088457256555557}],"sentiment":"neutral","sentiment_score":-0.0030799050873611122,"num_words":128,"start":270.02002,"end":303.81},{"sentences":[{"text":"Mhmm.","start":311.885,"end":312.385,"sentiment":"neutral","sentiment_score":-0.03986641019582749},{"text":"Yes.","start":322.62,"end":322.86,"sentiment":"neutral","sentiment_score":0.19152046740055084},{"text":"So in terms of, like, the options available, like, they're obviously available to to other, like, other customers there as well, especially sort of when it comes down to investments that are approved by the investment committee.","start":322.86,"end":335.82498,"sentiment":"neutral","sentiment_score":0.22602354644520864},{"text":"In terms of, like, changes you can make, you you can make slight sort of adjustments within, like, a few sort of boundaries of, like, approved product lists and things like that.","start":335.965,"end":343.585,"sentiment":"neutral","sentiment_score":0.09533818427007645},{"text":"The strategic managed account that they have built now, that would be the same across the board for everyone in terms of the available ones there.","start":344.55,"end":352.87,"sentiment":"neutral","sentiment_score":0.31535836366506725}],"sentiment":"neutral","sentiment_score":0.20375942915063544,"num_words":97,"start":311.885,"end":352.87},{"sentences":[{"text":"So there's broken up into, like, four groups.","start":352.87,"end":355.03,"sentiment":"neutral","sentiment_score":0.14874949306249619},{"text":"So you've got your, like, your your more aggressive, your high growth and growth, and then your defensive portion.","start":355.03,"end":360.655,"sentiment":"neutral","sentiment_score":0.23388000381620308},{"text":"Now within that strategic managed account, you can break those up in terms of, like, you can have 30% in the higher growth and, you know, 70% in growth to get the, like, risk allocation that you'd like.","start":361.35498,"end":371.88998,"sentiment":"positive","sentiment_score":0.3501957627503495},{"text":"But in terms of what's in across those accounts, all the same for everyone that would be in those.","start":371.88998,"end":377.03,"sentiment":"neutral","sentiment_score":0.221392685645505},{"text":"Much for the same if, like, the same portfolio was recommended, you may be in a similar portfolio to another customer.","start":377.65,"end":384.065,"sentiment":"neutral","sentiment_score":0.25747781211421605}],"sentiment":"neutral","sentiment_score":0.2719490484112785,"num_words":105,"start":352.87,"end":384.065},{"sentences":[{"text":"Obviously, it changes slightly in terms of how the weightings go.","start":384.065,"end":387.265,"sentiment":"neutral","sentiment_score":0.09704369916157289},{"text":"Your contributions going in the weightings do become a little bit askew, but it's all part of, like, our approved product list here at Oakview as well.","start":387.265,"end":394.405,"sentiment":"neutral","sentiment_score":0.21183867780146776},{"text":"Yep.","start":412.975,"end":413.475,"sentiment":"neutral","sentiment_score":0.000728849321603775},{"text":"Yep.","start":416.815,"end":417.315,"sentiment":"neutral","sentiment_score":0.03072250261902809},{"text":"Yep.","start":433.185,"end":433.585,"sentiment":"neutral","sentiment_score":0.030979877337813377}],"sentiment":"neutral","sentiment_score":0.1670623468462287,"num_words":41,"start":384.065,"end":433.585},{"sentences":[{"text":"So the yes.","start":433.585,"end":436.32498,"sentiment":"neutral","sentiment_score":-0.02509226029117902},{"text":"So yeah.","start":439.505,"end":440.065,"sentiment":"neutral","sentiment_score":-0.02408614195883274},{"text":"No.","start":440.065,"end":440.225,"sentiment":"negative","sentiment_score":-0.35548076033592224},{"text":"I completely understand where you're coming from that kid.","start":440.225,"end":442.54498,"sentiment":"negative","sentiment_score":-0.3473116258780162},{"text":"So when it comes down to your actual account itself, so the the difference between core and choice is the difference between investment menus, basically.","start":442.54498,"end":453.59,"sentiment":"neutral","sentiment_score":-0.12617698192596435}],"sentiment":"neutral","sentiment_score":-0.16897897515445948,"num_words":40,"start":433.585,"end":453.59},{"sentences":[{"text":"One's like the base option, which has a little bit more of a limited menu, and then one has more available investment options if you do wanna become a little bit more customized in terms of your investment options or, like, not limit your investment horizons, basically, in terms of, like, what you can go into.","start":453.59,"end":470.235,"sentiment":"neutral","sentiment_score":0.12455959797703794},{"text":"Now the benefit of the SMA is that with that, the the core there, it's available on the core, and the core is actually cheaper in terms of management fees and member fees, which you can see in terms of, like, the the flat member fee account admin fee.","start":470.615,"end":487.95,"sentiment":"positive","sentiment_score":0.46255537016051157},{"text":"So it's a 100 and $80 per annum to be in that choice, but for the the core option, there's no no fee there.","start":487.95,"end":494.095,"sentiment":"positive","sentiment_score":0.3945063886543115},{"text":"It does cost a little bit in terms of the fact that some of the investments do make up for that.","start":494.475,"end":499.61502,"sentiment":"positive","sentiment_score":0.3821242040111905},{"text":"In terms of the investment cost can be a little bit higher in certain options, But what you're doing is you're saving that $108 flat membership fee if you were in sort of that strategic managed account.","start":500.155,"end":509.75998,"sentiment":"neutral","sentiment_score":0.2325189701105292}],"sentiment":"neutral","sentiment_score":0.298056225297365,"num_words":187,"start":453.59,"end":509.75998},{"sentences":[{"text":"Now in terms of, like, the investment option that you're currently in, so you are currently in a a growth option there.","start":510.06,"end":518.955,"sentiment":"neutral","sentiment_score":0.08651919561353597},{"text":"Now that's about an eighty twenty split.","start":519.09503,"end":521.41504,"sentiment":"neutral","sentiment_score":0.045523766960416524},{"text":"Now the difference between that being active and passive and things like that as well does depend on what, like, sort of you have in your account.","start":521.41504,"end":529.195,"sentiment":"neutral","sentiment_score":0.024446088820695877},{"text":"Now the majority of your portfolio is, like, passive index funds.","start":529.5,"end":533.60004,"sentiment":"neutral","sentiment_score":0.02600081197240136},{"text":"Now and then you do have that actively managed account, that Benelung account, which as we both know didn't perform well that had that underlying investment.","start":533.98,"end":541.02,"sentiment":"neutral","sentiment_score":-0.08901290079722038}],"sentiment":"neutral","sentiment_score":0.009180715928475061,"num_words":93,"start":510.06,"end":541.02},{"sentences":[{"text":"They sort of went really downhill with that.","start":541.02,"end":543.2,"sentiment":"neutral","sentiment_score":-0.30899302661418915},{"text":"But that's not to say that your entire account is active.","start":544.865,"end":547.345,"sentiment":"neutral","sentiment_score":-0.043240962719375435},{"text":"You have a small portion like a satellite directed towards that to try and outperform that market.","start":547.345,"end":552.46497,"sentiment":"neutral","sentiment_score":-0.002108565148185281},{"text":"Now, obviously, that does carry management risk and higher risk in terms of the fact that they are trying to out form the market.","start":552.46497,"end":559.05,"sentiment":"negative","sentiment_score":-0.390361866603295},{"text":"So you do have those things that do occur much like with Benelon.","start":559.05,"end":562.11005,"sentiment":"neutral","sentiment_score":-0.23986310683763945}],"sentiment":"neutral","sentiment_score":-0.2119225424344409,"num_words":73,"start":541.02,"end":562.11005},{"sentences":[{"text":"They made a bad choice, and it did affect their portfolio and performance there as well.","start":562.41003,"end":567.71,"sentiment":"negative","sentiment_score":-0.46061087446287274},{"text":"Yep.","start":583.95996,"end":584.2,"sentiment":"neutral","sentiment_score":0.1619439721107483},{"text":"Correct.","start":584.2,"end":584.7,"sentiment":"neutral","sentiment_score":0.09721623361110689},{"text":"So they're lower cost ETFs that are passively managed in terms of the indexes they follow.","start":584.83997,"end":590.27997,"sentiment":"neutral","sentiment_score":0.2741259755566716},{"text":"Yes.","start":590.27997,"end":590.77997,"sentiment":"neutral","sentiment_score":0.17514732480049133}],"sentiment":"neutral","sentiment_score":-0.0728414529136249,"num_words":35,"start":562.41003,"end":590.77997},{"sentences":[{"text":"Apart from the bed alone.","start":608.07,"end":609.35004,"sentiment":"neutral","sentiment_score":-0.012750736624002456},{"text":"Yes.","start":609.35004,"end":609.85004,"sentiment":"neutral","sentiment_score":0.04038004204630852},{"text":"Yep.","start":635.45996,"end":635.95996,"sentiment":"neutral","sentiment_score":0.09000349044799805},{"text":"Yep.","start":636.66,"end":637.16,"sentiment":"neutral","sentiment_score":0.190913125872612},{"text":"And I I completely agree with the way you sort of view risk and that you do sort of not like the those fluctuations as much that a more passive approach would be sort of in your better interest just in terms of peace of mind, the cost of savings that you would get.","start":640.74,"end":655.34503,"sentiment":"neutral","sentiment_score":0.31468166824844146}],"sentiment":"neutral","sentiment_score":0.2782315009784314,"num_words":62,"start":608.07,"end":655.34503},{"sentences":[{"text":"Now you do also get that in the SMA.","start":655.565,"end":658.365,"sentiment":"neutral","sentiment_score":0.21230687532160017},{"text":"Now because it is a strategically managed account, they can have active portions.","start":658.365,"end":662.36005,"sentiment":"neutral","sentiment_score":0.2094499789751493},{"text":"Currently, it's all all passive within the SMA.","start":662.36005,"end":665.02,"sentiment":"neutral","sentiment_score":0.19469712860882282},{"text":"You do pay a little bit more in terms of the investment cost, but that's also the benefit of having that SMA there as well is you have the managers at BlackRock and the investment committee here at Oakview that would also review those regularly and then be able to make changes like you were sort of requesting earlier as well when they sort of see changes in the market.","start":665.08,"end":684.145,"sentiment":"neutral","sentiment_score":0.21949056770120348},{"text":"Now you do pay a little bit more for that.","start":684.145,"end":685.825,"sentiment":"neutral","sentiment_score":0.05027402751147747}],"sentiment":"neutral","sentiment_score":0.20052971497855404,"num_words":110,"start":655.565,"end":685.825},{"sentences":[{"text":"It is managed to a certain degree, but it's not into the sense like a managed portfolio where they're really trying to out on the market currently.","start":685.825,"end":693.18005,"sentiment":"neutral","sentiment_score":0.030514562985411397},{"text":"At the moment, they're just managing those index investments to find sort of, you know, value in the market to be able to change those, see things that are changing, and be able to make adjustments with that as well.","start":693.48004,"end":704.315,"sentiment":"neutral","sentiment_score":0.263356620259583},{"text":"Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well.","start":704.61505,"end":716.075,"sentiment":"neutral","sentiment_score":0.16003182296242033},{"text":"Yep.","start":728.515,"end":729.015,"sentiment":"neutral","sentiment_score":0.026621654629707336},{"text":"There's the SMA, which is like it's passive investments, but it's it's yeah.","start":732.035,"end":737.315,"sentiment":"neutral","sentiment_score":0.03812259077452696}],"sentiment":"neutral","sentiment_score":0.1507024754256267,"num_words":116,"start":685.825,"end":737.315},{"sentences":[{"text":"So a passive and the SMA are both passive investments.","start":737.315,"end":741.095,"sentiment":"neutral","sentiment_score":0.14969664961099624},{"text":"One just has the ability for the managers here at OPU and the investment committee to make changes along the way.","start":741.15497,"end":746.85,"sentiment":"neutral","sentiment_score":0.22056431145895095},{"text":"Whereas if you were to update something in that passive option, you would have to go back to advice.","start":746.85,"end":752.20996,"sentiment":"neutral","sentiment_score":-0.08526382203164853},{"text":"We'd have to do a whole document again and things like that as well.","start":752.20996,"end":754.965,"sentiment":"neutral","sentiment_score":-0.0139717414442982},{"text":"Yep.","start":768.57996,"end":768.98,"sentiment":"neutral","sentiment_score":0.06738027185201645}],"sentiment":"neutral","sentiment_score":0.0673935432273608,"num_words":65,"start":737.315,"end":768.98},{"sentences":[{"text":"So once I think, like, with it being new, I think every sort of month or so they meet, and every quarter they do a review of the investments.","start":768.98,"end":778.51996,"sentiment":"neutral","sentiment_score":0.06067132936983273},{"text":"Not to say that they'll change anything.","start":778.57996,"end":780.18,"sentiment":"neutral","sentiment_score":0.007198279989617211},{"text":"They just obviously monitor it.","start":780.18,"end":781.38,"sentiment":"neutral","sentiment_score":0.10300062447786332},{"text":"So, basically, the portfolio is getting review at least, like, once a quarter as opposed to opposed to maybe, like, your once every 12 months with your or your six monthly catch up, things like that.","start":781.38,"end":790.75635,"sentiment":"neutral","sentiment_score":0.104913213600715},{"text":"And like I said, yeah, they're working with the investment committee.","start":790.75635,"end":795.0314,"sentiment":"neutral","sentiment_score":0.14421281286261298}],"sentiment":"neutral","sentiment_score":0.08736450301313942,"num_words":88,"start":768.98,"end":795.0314},{"sentences":[{"text":"They'd use their AI software, Aladdin, to be able to research the markets as well, and it is powered a lot through that BlackRock software in terms of that built portfolio.","start":795.0314,"end":806.48,"sentiment":"neutral","sentiment_score":0.1461397458108202},{"text":"Yep.","start":848.19995,"end":848.69995,"sentiment":"neutral","sentiment_score":-0.07792475074529648},{"text":"Bear with me.","start":868.23,"end":868.87,"sentiment":"neutral","sentiment_score":0.032660115510225296},{"text":"I'll just bring that one back up there, Kij.","start":868.87,"end":871.21,"sentiment":"neutral","sentiment_score":0.026522070376409426},{"text":"Pay date, did you say?","start":871.83,"end":873.13,"sentiment":"neutral","sentiment_score":0.004810972325503826}],"sentiment":"neutral","sentiment_score":0.09822737165175531,"num_words":49,"start":795.0314,"end":873.13},{"sentences":[{"text":"Yep.","start":882.245,"end":882.745,"sentiment":"neutral","sentiment_score":0.06751997023820877},{"text":"So so within even the the SMA, it's not like your funds are with BlackRock per se.","start":895.62,"end":901.77997,"sentiment":"neutral","sentiment_score":-0.12457174194209716},{"text":"They're just part of the committee that helps build and monitor the portfolio.","start":901.77997,"end":905.555,"sentiment":"neutral","sentiment_score":0.03911607182369782},{"text":"Funds are still with us.","start":905.695,"end":907.055,"sentiment":"neutral","sentiment_score":0.014187848567962647},{"text":"They just are in some BlackRock investments similar to, like, the active portion as well.","start":907.055,"end":911.39496,"sentiment":"neutral","sentiment_score":0.0157539002597332}],"sentiment":"neutral","sentiment_score":-0.024204763967324707,"num_words":51,"start":882.245,"end":911.39496},{"sentences":[{"text":"Your funds are still all under Oakview Financial.","start":911.535,"end":913.935,"sentiment":"neutral","sentiment_score":0.049219784792512655},{"text":"It's just the investments that are chosen.","start":913.935,"end":915.87,"sentiment":"neutral","sentiment_score":0.06474446931055614},{"text":"So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung.","start":916.19,"end":926.85,"sentiment":"neutral","sentiment_score":0.0673400073805276},{"text":"So Benelung obviously is has in is investing your money, but still your money is all, like, under managed by us.","start":927.15,"end":933.515,"sentiment":"neutral","sentiment_score":-0.03505886439234018},{"text":"Similar with the SMA as well, it's not like we're giving your money off to to BlackRock to to manage.","start":934.615,"end":940.455,"sentiment":"neutral","sentiment_score":-0.10472601857036352}],"sentiment":"neutral","sentiment_score":0.003397481008950207,"num_words":90,"start":911.535,"end":940.455},{"sentences":[{"text":"It's it's still under Oakview.","start":940.455,"end":941.97504,"sentiment":"neutral","sentiment_score":0.02794139934703708},{"text":"You're still an Oakview customer.","start":941.97504,"end":943.515,"sentiment":"neutral","sentiment_score":0.10791588425636292},{"text":"Just the the committee itself, you are in some BlackRock investments within that portfolio, that estimate.","start":944.18,"end":949.62,"sentiment":"neutral","sentiment_score":0.03576613892801106},{"text":"Not to say that it will be moving forward.","start":949.62,"end":951.14,"sentiment":"neutral","sentiment_score":-0.10076881903741094},{"text":"It's quite fluid in terms of the changes and things like that that we'll make.","start":951.14,"end":954.68,"sentiment":"neutral","sentiment_score":-0.12465256452560425}],"sentiment":"neutral","sentiment_score":-0.030503263967111706,"num_words":50,"start":940.455,"end":954.68},{"sentences":[{"text":"The only thing that BlackRock gets out of that, basically, is by having you in some of those BlackRock investments similar to even if you weren't in the SMA.","start":954.98,"end":962.605,"sentiment":"neutral","sentiment_score":0.026122667152306128},{"text":"If you're in some BlackRock investments, they have investment fees for holding investment funds as well.","start":962.605,"end":967.585,"sentiment":"neutral","sentiment_score":0.03168874129187316},{"text":"So it's still no matter what option you choose, you're still an Oakview customer.","start":967.885,"end":971.325,"sentiment":"neutral","sentiment_score":0.22899190336465836},{"text":"Your funds are still with Oakview and still managed by Oakview.","start":971.325,"end":975.19995,"sentiment":"neutral","sentiment_score":0.17738764529878442},{"text":"Yep.","start":1002.57,"end":1003.07,"sentiment":"neutral","sentiment_score":-0.0501478910446167}],"sentiment":"neutral","sentiment_score":0.08974056425963489,"num_words":71,"start":954.98,"end":1003.07},{"sentences":[{"text":"Yep.","start":1014.585,"end":1015.085,"sentiment":"neutral","sentiment_score":-0.02707570418715477},{"text":"No.","start":1036.455,"end":1036.695,"sentiment":"neutral","sentiment_score":-0.16217228770256042},{"text":"You'd still be within your, like, allocated risk profile.","start":1036.695,"end":1040.9349,"sentiment":"neutral","sentiment_score":-0.10751479367415111},{"text":"It would aim to be around that that eighty twenty split.","start":1040.9349,"end":1044.695,"sentiment":"neutral","sentiment_score":-0.04824035885659131},{"text":"I'll just see what it actually came out to with the the breakdown there.","start":1044.695,"end":1048.54,"sentiment":"neutral","sentiment_score":0.0006549082962529999}],"sentiment":"neutral","sentiment_score":-0.046621010173112154,"num_words":36,"start":1014.585,"end":1048.54},{"sentences":[{"text":"So you'd still be in line with your risk profile.","start":1048.54,"end":1050.7001,"sentiment":"neutral","sentiment_score":0.035286234319210054},{"text":"We'd be looking at for the the SMA, you'd actually be a little less exposed.","start":1050.7001,"end":1056.4,"sentiment":"neutral","sentiment_score":-0.05566906916598479},{"text":"Yep.","start":1057.5801,"end":1057.9801,"sentiment":"neutral","sentiment_score":0.035730645060539246},{"text":"Exactly.","start":1057.9801,"end":1058.38,"sentiment":"neutral","sentiment_score":0.04503664001822472},{"text":"So you'd have a little bit less allocated to actual growth assets.","start":1058.38,"end":1058.9629,"sentiment":"neutral","sentiment_score":-0.024880670321484406}],"sentiment":"neutral","sentiment_score":-0.017948062899403084,"num_words":39,"start":1048.54,"end":1058.9629},{"sentences":[{"text":"So, technically, you'd be a little bit actual growth assets.","start":1058.9629,"end":1061.565,"sentiment":"neutral","sentiment_score":0.011907667666673661},{"text":"So, technically, you'd be a little bit dialing it back in terms of your level of risk, and then you will also not have a managed fund risk.","start":1061.565,"end":1069.885,"sentiment":"neutral","sentiment_score":0.015367678233555384},{"text":"Now in terms of, like, obviously, BlackRock and Oakview as investment committees review those investments and make changes, much like the investment committee that makes changes to these portfolios, the investment committee here has the approved product list.","start":1069.885,"end":1083.13,"sentiment":"neutral","sentiment_score":0.06445056131403697},{"text":"If anything, they've just got a little bit more backing through BlackRock.","start":1083.13,"end":1086.3501,"sentiment":"neutral","sentiment_score":0.07445349870249629},{"text":"Now all the investments under that SMA aren't like BlackRock investments.","start":1086.49,"end":1090.465,"sentiment":"neutral","sentiment_score":0.033654259856451645}],"sentiment":"neutral","sentiment_score":0.04305183676758198,"num_words":99,"start":1058.9629,"end":1090.465},{"sentences":[{"text":"There's certain, like, iShares and things like that as well that have just been been chosen due to the the lower cost of those and then their past performance, you know, future outlooks that they've built.","start":1090.465,"end":1101.93,"sentiment":"neutral","sentiment_score":0.15020288330399328},{"text":"Now in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy.","start":1102.41,"end":1111.8501,"sentiment":"neutral","sentiment_score":0.059925044886767864},{"text":"So in terms of, like, geopolitical risks, you know, being diversified across different geographical locations and things like that as well, it is quite strict to criteria and what they actually can change.","start":1111.8501,"end":1122.6849,"sentiment":"neutral","sentiment_score":-0.07229945791715925},{"text":"They can't just, like, you know, sell you all down and put you all into, like, one fund and things like that.","start":1122.6849,"end":1128.0,"sentiment":"neutral","sentiment_score":-0.19908891008658844},{"text":"They are quite strict.","start":1128.24,"end":1129.2,"sentiment":"neutral","sentiment_score":-0.29719968140125275}],"sentiment":"neutral","sentiment_score":-0.007068551243926451,"num_words":123,"start":1090.465,"end":1129.2},{"sentences":[{"text":"And if anything, BlackRock would be stricter to adhering to those allocations than say, you know, a smaller sort of firm being able to monitor those and make changes and things like that as well.","start":1129.2,"end":1141.035,"sentiment":"neutral","sentiment_score":-0.10050570528422083},{"text":"Yep.","start":1149.355,"end":1149.855,"sentiment":"neutral","sentiment_score":0.09135763347148897},{"text":"Yep.","start":1151.115,"end":1151.615,"sentiment":"neutral","sentiment_score":0.14897072315216064},{"text":"Yep.","start":1151.755,"end":1151.995,"sentiment":"neutral","sentiment_score":0.2632395029067993},{"text":"That's good.","start":1151.995,"end":1152.7151,"sentiment":"positive","sentiment_score":0.524929866194725}],"sentiment":"neutral","sentiment_score":-0.04910680232569575,"num_words":40,"start":1129.2,"end":1152.7151},{"sentences":[{"text":"Yep.","start":1152.7151,"end":1153.05,"sentiment":"neutral","sentiment_score":0.19673308730125427},{"text":"Correct.","start":1190.135,"end":1190.635,"sentiment":"neutral","sentiment_score":0.1441635936498642},{"text":"Yeah.","start":1195.335,"end":1195.835,"sentiment":"neutral","sentiment_score":0.09952641278505324},{"text":"So with yeah.","start":1195.895,"end":1197.255,"sentiment":"neutral","sentiment_score":0.016283361862103145},{"text":"So even if I was to review your account quarterly with you, for me to change any of your investments, say, a quarter from now, even though I wouldn't recommend sort of changing your portfolio up that sort of regularly because that's a bit more day trade esque and, you know, you can be lumped with more taxes and things like that depending on how long they're held, which, you know, all accounted for with, you know, BlackRock.","start":1197.255,"end":1218.255,"sentiment":"neutral","sentiment_score":-0.12490781081410554}],"sentiment":"neutral","sentiment_score":-0.1101611436211637,"num_words":84,"start":1152.7151,"end":1218.255},{"sentences":[{"text":"They do all those calculations where they just change it in the background.","start":1218.255,"end":1222.655,"sentiment":"neutral","sentiment_score":-0.04392257218177502},{"text":"So when you buy into an SMA, they're the fund managers of that SMA, and you just hold the SMA.","start":1222.655,"end":1229.2151,"sentiment":"neutral","sentiment_score":0.010384151549078523},{"text":"So, technically, you only hold that one underlying asset within that is much like a managed account.","start":1229.2151,"end":1234.1,"sentiment":"neutral","sentiment_score":0.01617806010386523},{"text":"You hold multiple ETFs, multiple things like that as well.","start":1234.1,"end":1237.64,"sentiment":"neutral","sentiment_score":0.03575179185718298},{"text":"But they can change all the things, but your allocation of what you hold is still just either one or two, most likely, of those SMA accounts, and that will never sort of change.","start":1238.0199,"end":1249.525,"sentiment":"neutral","sentiment_score":-0.17221205067985199}],"sentiment":"neutral","sentiment_score":-0.059425267980414184,"num_words":94,"start":1218.255,"end":1249.525},{"sentences":[{"text":"But everything underneath that is sort of ever changing as they grow and update.","start":1249.6649,"end":1253.9249,"sentiment":"neutral","sentiment_score":-0.21624260395765305},{"text":"And if I was to just have you in that that one fund there, obviously, we can make changes.","start":1254.5449,"end":1258.5449,"sentiment":"neutral","sentiment_score":-0.04578902376325507},{"text":"But every time we make a change, we've gotta go to advice again, have the conversations, redo your risk profile and everything, and then be able to update that in line with that as well.","start":1258.5449,"end":1267.95,"sentiment":"neutral","sentiment_score":-0.06835652249200004},{"text":"Yep.","start":1279.785,"end":1280.285,"sentiment":"neutral","sentiment_score":-0.06736262142658234},{"text":"Yeah.","start":1295.08,"end":1295.4,"sentiment":"neutral","sentiment_score":-0.033429745584726334}],"sentiment":"neutral","sentiment_score":-0.09129512230200428,"num_words":70,"start":1249.6649,"end":1295.4},{"sentences":[{"text":"If you're changing that regularly.","start":1295.4,"end":1296.86,"sentiment":"neutral","sentiment_score":-0.05488905385136604},{"text":"Yeah.","start":1332.015,"end":1332.335,"sentiment":"neutral","sentiment_score":0.03064323402941227},{"text":"And and currently, it is all passive.","start":1332.335,"end":1334.495,"sentiment":"neutral","sentiment_score":-0.005778908197368894},{"text":"Not to say that that would, like, it might change in the the the future.","start":1334.495,"end":1338.78,"sentiment":"neutral","sentiment_score":-0.09755739768346151},{"text":"It might not.","start":1338.78,"end":1339.68,"sentiment":"neutral","sentiment_score":-0.07308171689510345}],"sentiment":"neutral","sentiment_score":-0.06344711317891075,"num_words":31,"start":1295.4,"end":1339.68},{"sentences":[{"text":"But, yeah, at the moment, they're all passive investments in the underlying just to, like, forewarn you.","start":1339.9,"end":1344.78,"sentiment":"neutral","sentiment_score":0.043933372725458705},{"text":"That's not to say that they weren't ad active in the future, and you could be in that SMA and they could ad active.","start":1344.78,"end":1349.3401,"sentiment":"neutral","sentiment_score":0.05400979394714037},{"text":"You'll still get, like, your investment buy sell, like, updates on what's going in.","start":1349.3401,"end":1353.755,"sentiment":"neutral","sentiment_score":0.09633780297424112},{"text":"But it's a lot harder to sort of view what's in there because it can be changing, like, as you sort of go along as well.","start":1354.135,"end":1361.835,"sentiment":"neutral","sentiment_score":-0.11898755368131858},{"text":"It's still it's it's still there in a sense, but it's, like, dealt with by the managers underlying and changing those and dealing with that as well.","start":1382.485,"end":1392.09,"sentiment":"neutral","sentiment_score":-0.034591217542550075}],"sentiment":"neutral","sentiment_score":-0.005887107746848078,"num_words":108,"start":1339.9,"end":1392.09},{"sentences":[{"text":"You just have, like, the basically, like you said, like, the units of that.","start":1392.09,"end":1396.27,"sentiment":"neutral","sentiment_score":0.01665834097989968},{"text":"Yeah.","start":1399.53,"end":1399.85,"sentiment":"neutral","sentiment_score":0.00878596305847168},{"text":"But you still, like obviously, there's still taxes involved and you still bear the the cost of that, but it's not like if you were to hold it and then just have a huge, like, CGT.","start":1399.85,"end":1410.3049,"sentiment":"neutral","sentiment_score":-0.09096773910439676},{"text":"Like, you still pay CGT and things like that as well, but not when sort of those little buy sells occur.","start":1410.365,"end":1415.6449,"sentiment":"neutral","sentiment_score":-0.020994981484753743},{"text":"It's kinda built into the the buy sell cost, and it is managed a lot better inside an SMA than it is outside.","start":1415.6449,"end":1421.985,"sentiment":"neutral","sentiment_score":0.12094790456087692}],"sentiment":"neutral","sentiment_score":-0.007283459760640797,"num_words":95,"start":1392.09,"end":1421.985},{"sentences":[{"text":"No.","start":1439.075,"end":1439.315,"sentiment":"neutral","sentiment_score":-0.15691468119621277},{"text":"No.","start":1439.315,"end":1439.5549,"sentiment":"neutral","sentiment_score":-0.09161610901355743},{"text":"No.","start":1439.5549,"end":1439.955,"sentiment":"neutral","sentiment_score":-0.09336083382368088},{"text":"It's it's it's all it's all passive, but it's so, like, it's, like, 80% investing in growth assets, and then the 20% will be more defensive side of things.","start":1439.955,"end":1449.99,"sentiment":"neutral","sentiment_score":0.053763081841491936},{"text":"So that's, like, your cash fixed interest bonds.","start":1449.99,"end":1452.89,"sentiment":"neutral","sentiment_score":0.02200066321529448}],"sentiment":"neutral","sentiment_score":0.034831076377304274,"num_words":40,"start":1439.075,"end":1452.89},{"sentences":[{"text":"Yeah.","start":1453.75,"end":1454.0701,"sentiment":"neutral","sentiment_score":0.09254346042871477},{"text":"And then the other one's towards growth assets.","start":1454.0701,"end":1456.15,"sentiment":"neutral","sentiment_score":0.07095187902450562},{"text":"So still all passive in nature in terms of their all index ETFs, things like that.","start":1456.15,"end":1460.73,"sentiment":"neutral","sentiment_score":0.10945432540029287},{"text":"But it's different between growth and defensive asset classes.","start":1461.11,"end":1465.0249,"sentiment":"neutral","sentiment_score":0.008224916954835257},{"text":"So one obviously aims for more capital growth and then some earn like, with the defensive, either aim for, like, income earning, things like that, you know, like your fixed interest is bonds.","start":1465.085,"end":1474.3849,"sentiment":"neutral","sentiment_score":0.07703219704104192}],"sentiment":"neutral","sentiment_score":0.07503752916384099,"num_words":67,"start":1453.75,"end":1474.3849},{"sentences":[{"text":"Yeah.","start":1475.965,"end":1476.45,"sentiment":"neutral","sentiment_score":0.04865042120218277},{"text":"No.","start":1489.855,"end":1490.015,"sentiment":"neutral","sentiment_score":-0.04812515899538994},{"text":"So the the SMA was actually, pardon me, was named by Oakview.","start":1490.015,"end":1496.895,"sentiment":"neutral","sentiment_score":-0.022640239913016558},{"text":"I'll just bring up all of them, to be fair.","start":1496.895,"end":1499.0549,"sentiment":"neutral","sentiment_score":0.04758352749049664},{"text":"I did send the the Oakview PDF, I believe, as well.","start":1499.0549,"end":1502.515,"sentiment":"neutral","sentiment_score":0.12776325846260245}],"sentiment":"neutral","sentiment_score":0.04600210003554821,"num_words":35,"start":1475.965,"end":1502.515},{"sentences":[{"text":"That PDF is solely actually just in regards to the relationship with BlackRock, their investment portfolio process and everything as well, as long as, like, the fees and things like that and the buy sell spreads.","start":1510.9199,"end":1524.245,"sentiment":"neutral","sentiment_score":0.09253854842649566},{"text":"Obviously, it is quite a lengthy document like you did say, but that's all in regards to that that SMA.","start":1524.465,"end":1529.925,"sentiment":"neutral","sentiment_score":-0.04184737969189882},{"text":"So, obviously, it's different to, you know, Oaktree's other investments, but the different types of investments you can be invested into under that is growth, which is a more balanced.","start":1530.865,"end":1542.51,"sentiment":"neutral","sentiment_score":0.11455010958015918},{"text":"You've got your evergreen, which is a growth.","start":1542.51,"end":1544.27,"sentiment":"positive","sentiment_score":0.36194007471203804},{"text":"Your blooms are high growth, and your catalyst is like an all growth or like a high growth, like all aggressive.","start":1544.27,"end":1549.3451,"sentiment":"neutral","sentiment_score":0.28727995994545164}],"sentiment":"neutral","sentiment_score":0.12921167994322985,"num_words":115,"start":1510.9199,"end":1549.3451},{"sentences":[{"text":"And the the two funds that you'd be in, if you were to sort of look at that because we did, like, a split to get you to more of that seventy twenty split, you'd be invested, like, majority, like, two thirds in bloom and about a third sort of thing in evergreen, maybe a little bit more than a third.","start":1550.285,"end":1568.5299,"sentiment":"neutral","sentiment_score":0.11050419320092826},{"text":"Yep.","start":1601.705,"end":1602.025,"sentiment":"neutral","sentiment_score":0.09167055785655975},{"text":"So if you scroll down to page page 13 just or even yeah.","start":1602.025,"end":1608.205,"sentiment":"neutral","sentiment_score":0.03593895670313101},{"text":"List all of them or yeah.","start":1608.345,"end":1610.185,"sentiment":"neutral","sentiment_score":0.03161279857158661},{"text":"Some it's like obviously crosses different pages and things like that of what they are.","start":1610.185,"end":1613.9501,"sentiment":"neutral","sentiment_score":0.007544849750896295}],"sentiment":"neutral","sentiment_score":0.0791925241452797,"num_words":96,"start":1550.285,"end":1613.9501},{"sentences":[{"text":"Yeah.","start":1613.9501,"end":1614.1901,"sentiment":"neutral","sentiment_score":0.0391046367585659},{"text":"Yeah.","start":1614.1901,"end":1614.27,"sentiment":"neutral","sentiment_score":0.032727885991334915},{"text":"Page eight's got it as well of the different cost of products and the breakdowns.","start":1614.27,"end":1618.05,"sentiment":"neutral","sentiment_score":0.024755310143033664},{"text":"But, yeah, with yours, you'd be across Bloom and Evergreen, which is, like, your high growth and growth and a mix between that to get you closer to that seventy twenty split sorry.","start":1618.91,"end":1629.01,"sentiment":"neutral","sentiment_score":0.12333698553795164},{"text":"80 and 20 split.","start":1629.365,"end":1635.395,"sentiment":"neutral","sentiment_score":0.14639627374708652}],"sentiment":"neutral","sentiment_score":0.09442347764141029,"num_words":54,"start":1613.9501,"end":1635.395},{"sentences":[{"text":"Yep.","start":1641.54,"end":1641.9401,"sentiment":"neutral","sentiment_score":0.1597234606742859},{"text":"Those would yes.","start":1641.9401,"end":1645.78,"sentiment":"neutral","sentiment_score":0.14900696277618408},{"text":"Because just to get the balance like, obviously, you can mix the balances up a little bit in terms of that, but with you could either go, like, all in bloom, like, high growth or all in evergreen growth, but then the allocations might be a little askew.","start":1645.78,"end":1658.115,"sentiment":"neutral","sentiment_score":0.20567170002808174},{"text":"So with being allocated in both, not only do you get a little bit more diversification across that, and you can be split more across those investments given that you have greater diversification being in an SMA because you can spread your money a bit further because it's pooled with other people.","start":1658.115,"end":1672.72,"sentiment":"positive","sentiment_score":0.4236804355795567},{"text":"And then with that, between the growth and the high growth there, you get that eighty twenty split, which is in line with that risk profile of yours of getting that sort of mid range where you're still aiming for growth, but you also don't want a huge amount of volatility as well.","start":1674.38,"end":1687.2251,"sentiment":"neutral","sentiment_score":0.09685886995691173}],"sentiment":"neutral","sentiment_score":0.2397699917720002,"num_words":157,"start":1641.54,"end":1687.2251},{"sentences":[{"text":"So I'll have a look at what the split, like, sort of comes down to.","start":1713.6349,"end":1716.6749,"sentiment":"neutral","sentiment_score":0.1879067877928416},{"text":"So it's about 60% would be in bloom and about 40% would be in evergreen.","start":1716.6749,"end":1722.1699,"sentiment":"neutral","sentiment_score":0.1224285364151001},{"text":"That's that's just a breakdown based on the the account balances for the figures I got.","start":1725.99,"end":1731.59,"sentiment":"neutral","sentiment_score":0.04093619956984185},{"text":"So just when they put that portfolio together for the figures that you have in that document, so that's not actually listed there in terms of that.","start":1731.59,"end":1740.2051,"sentiment":"neutral","sentiment_score":0.015085021723751669},{"text":"Yeah.","start":1740.505,"end":1741.005,"sentiment":"neutral","sentiment_score":0.02428603544831276}],"sentiment":"neutral","sentiment_score":0.07758906321927302,"num_words":74,"start":1713.6349,"end":1741.005},{"sentences":[{"text":"So, obviously, just on that strategy paper there, it just gives you the breakdowns.","start":1741.305,"end":1744.925,"sentiment":"neutral","sentiment_score":0.035823622452361245},{"text":"But yeah.","start":1745.145,"end":1746.21,"sentiment":"neutral","sentiment_score":0.01961873285472393},{"text":"And then across that, so those fees are based on, like, a 60 a $60.40 split between Bloom and Evergreen.","start":1746.21,"end":1752.21,"sentiment":"neutral","sentiment_score":0.03877926822751761},{"text":"I just didn't put that down, unfortunately.","start":1752.21,"end":1753.97,"sentiment":"neutral","sentiment_score":-0.14526345900126866},{"text":"Sorry for that.","start":1753.97,"end":1754.53,"sentiment":"neutral","sentiment_score":-0.14556540797154108}],"sentiment":"neutral","sentiment_score":-0.002982323746318402,"num_words":46,"start":1741.305,"end":1754.53},{"sentences":[{"text":"Good.","start":1754.53,"end":1755.03,"sentiment":"neutral","sentiment_score":0.12502871453762054},{"text":"Yeah.","start":1759.825,"end":1760.065,"sentiment":"neutral","sentiment_score":-0.04900525510311127},{"text":"Yeah.","start":1760.065,"end":1760.225,"sentiment":"neutral","sentiment_score":-0.05369051545858383},{"text":"No.","start":1760.225,"end":1760.385,"sentiment":"neutral","sentiment_score":-0.1270490288734436},{"text":"That's not in the doc that breakdown.","start":1760.385,"end":1762.005,"sentiment":"neutral","sentiment_score":-0.10357869043946266}],"sentiment":"neutral","sentiment_score":-0.07543335617943243,"num_words":11,"start":1754.53,"end":1762.005},{"sentences":[{"text":"Yeah.","start":1762.065,"end":1762.385,"sentiment":"neutral","sentiment_score":-0.005991903133690357},{"text":"Yeah.","start":1762.385,"end":1762.885,"sentiment":"neutral","sentiment_score":0.008818857371807098},{"text":"Yep.","start":1784.975,"end":1785.475,"sentiment":"neutral","sentiment_score":0.14092236757278442},{"text":"Yep.","start":1790.015,"end":1790.515,"sentiment":"neutral","sentiment_score":0.008460400626063347},{"text":"Yep.","start":1799.0701,"end":1799.5701,"sentiment":"neutral","sentiment_score":0.1472334265708923}],"sentiment":"neutral","sentiment_score":0.05988862980157137,"num_words":5,"start":1762.065,"end":1799.5701},{"sentences":[{"text":"Yep.","start":1803.47,"end":1803.97,"sentiment":"positive","sentiment_score":0.35396608710289},{"text":"Yep.","start":1810.6051,"end":1811.1051,"sentiment":"neutral","sentiment_score":0.19618409872055056},{"text":"It sort of depends on what you want it to the end of the day as well, Kj.","start":1819.9801,"end":1822.9401,"sentiment":"neutral","sentiment_score":0.15313592677315077},{"text":"But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay.","start":1822.9401,"end":1832.055,"sentiment":"positive","sentiment_score":0.3616551747245173},{"text":"But it is to be mindful that that's just because over the past sort of five years as well, the market have been doing really well post COVID in terms of, like, being on an upwards tick.","start":1832.775,"end":1842.7151,"sentiment":"positive","sentiment_score":0.360037503613008}],"sentiment":"neutral","sentiment_score":0.3163556240668351,"num_words":88,"start":1803.47,"end":1842.7151},{"sentences":[{"text":"And just being in those index investments, obviously, they're gonna perform really well because the market's been performing really well as well.","start":1842.775,"end":1849.1799,"sentiment":"positive","sentiment_score":0.4733611006628383},{"text":"Now with that, if you were in a passive investment for those five years, obviously, it would have performed really well.","start":1849.4,"end":1854.28,"sentiment":"neutral","sentiment_score":0.3266364995922361},{"text":"You wouldn't had to do too much.","start":1854.28,"end":1855.5599,"sentiment":"neutral","sentiment_score":0.14692472134317672},{"text":"You wouldn't really had to have reviewed it.","start":1855.5599,"end":1857.4199,"sentiment":"neutral","sentiment_score":0.08406895212829113},{"text":"Now with the SMA, with it being a little bit more turbulent, you do get that peace of mind that you do have, like, a higher level of sort of software going towards reviewing, monitoring, updating that portfolio, a bit more professional management in terms of going forward as opposed to just doing quarterly catch ups, your your 12 monthly, things like that.","start":1857.64,"end":1879.54,"sentiment":"neutral","sentiment_score":0.26000191933578914}],"sentiment":"neutral","sentiment_score":0.2921855891785346,"num_words":121,"start":1842.775,"end":1879.54},{"sentences":[{"text":"Now, obviously, in terms of cost, there's not too much of a difference in terms of cost.","start":1879.68,"end":1884.08,"sentiment":"neutral","sentiment_score":0.1905245088479098},{"text":"Like, a $100 really isn't too much in terms of a yearly expense with the in regards to that.","start":1884.08,"end":1889.625,"sentiment":"neutral","sentiment_score":0.20031495862885526},{"text":"And then you do get those added benefits if it's reviewed more regularly.","start":1889.625,"end":1893.005,"sentiment":"positive","sentiment_score":0.4464903290455158},{"text":"You don't have to worry as much.","start":1893.145,"end":1894.345,"sentiment":"positive","sentiment_score":0.4163853738989149},{"text":"It does come with less admin work with the changes they do make.","start":1894.345,"end":1897.3049,"sentiment":"positive","sentiment_score":0.38200506567955017}],"sentiment":"neutral","sentiment_score":0.3004353422185649,"num_words":69,"start":1879.68,"end":1897.3049},{"sentences":[{"text":"You obviously have a little less oversight in terms of, like, the changes that are being made, but you're still made aware with those email updates and the changes in the buyers and sales they do.","start":1897.3049,"end":1906.0299,"sentiment":"neutral","sentiment_score":0.22538109785980648},{"text":"Now they might not do it.","start":1906.1699,"end":1907.21,"sentiment":"neutral","sentiment_score":-0.22623962660630545},{"text":"They might change it.","start":1907.21,"end":1908.01,"sentiment":"neutral","sentiment_score":-0.17367718368768692},{"text":"Depends just what the market and what they see moving forward as well.","start":1908.01,"end":1911.23,"sentiment":"positive","sentiment_score":0.4096094461587759},{"text":"And it gives you a little bit more of peace of mind as well.","start":1911.5299,"end":1914.57,"sentiment":"positive","sentiment_score":0.6647545737879617}],"sentiment":"neutral","sentiment_score":0.2834665734473973,"num_words":73,"start":1897.3049,"end":1914.57},{"sentences":[{"text":"And as an average of, like, moving forward and how it's been tracking sort of over that three year period as well, those investments that are currently have been doing quite well in addition to the fact that, you know, with that management ongoing as well, they could potentially outperform the market even through passive ETFs as well, which you wouldn't potentially get just a passive investment because it just tracks the market.","start":1914.57,"end":1936.76,"sentiment":"positive","sentiment_score":0.44236576924585314},{"text":"And if the market was to hit a bit of a low with all the, you know, the world wars, I know Iran just kicked off on the weekend.","start":1936.76,"end":1942.28,"sentiment":"neutral","sentiment_score":-0.046853527169803094},{"text":"So those sort of things.","start":1942.28,"end":1943.3201,"sentiment":"neutral","sentiment_score":-0.06386085823178292},{"text":"You don't know how the markets are gonna slow over the next few years with those conflicts going on.","start":1943.3201,"end":1948.395,"sentiment":"neutral","sentiment_score":-0.1072925636054654},{"text":"And even if you are paying a lower cost, that's fantastic.","start":1948.6951,"end":1950.935,"sentiment":"neutral","sentiment_score":0.2089319256218997}],"sentiment":"neutral","sentiment_score":0.22536012444672357,"num_words":137,"start":1914.57,"end":1950.935},{"sentences":[{"text":"But if you're not sort of getting the returns there as well, there is that sort of downside that you can't make any changes without sort of coming back and going to advice as well.","start":1950.935,"end":1959.75,"sentiment":"neutral","sentiment_score":-0.24881894503320967},{"text":"Yep.","start":1969.51,"end":1970.01,"sentiment":"neutral","sentiment_score":0.00780215859413147},{"text":"You've been around, know what they're doing.","start":1971.19,"end":1972.89,"sentiment":"neutral","sentiment_score":-0.014667361442531859},{"text":"Yep.","start":1972.95,"end":1973.415,"sentiment":"neutral","sentiment_score":0.015903053805232048},{"text":"Yeah.","start":1980.935,"end":1981.435,"sentiment":"neutral","sentiment_score":-0.068089559674263}],"sentiment":"neutral","sentiment_score":-0.19679375452299913,"num_words":45,"start":1950.935,"end":1981.435},{"sentences":[{"text":"Yeah.","start":1998.4049,"end":1998.9049,"sentiment":"neutral","sentiment_score":-0.013157667592167854},{"text":"If anything too if anything too with the SMA, you actually have more diversification for that level of cost as well.","start":1998.965,"end":2006.985,"sentiment":"neutral","sentiment_score":0.0038129033609515146},{"text":"Like, with the recommended portfolios, whether it be passive or active, our current portfolios, you kinda spread across, you know, like, normally the the six to eight sort of funds if that depending on the portfolio.","start":2007.845,"end":2019.81,"sentiment":"neutral","sentiment_score":0.0357346864313715},{"text":"Whereas in an estimate, because you pulled as well across those two funds as well, not just the singular fund.","start":2019.9501,"end":2025.4701,"sentiment":"neutral","sentiment_score":-0.02143610194325447},{"text":"Obviously, there might be some overlap, but you actually have a wider degree of diversification across different assets as well.","start":2025.4701,"end":2032.705,"sentiment":"neutral","sentiment_score":0.10034164502285421}],"sentiment":"neutral","sentiment_score":0.029912988531726355,"num_words":98,"start":1998.4049,"end":2032.705},{"sentences":[{"text":"No.","start":2045.34,"end":2045.58,"sentiment":"neutral","sentiment_score":-0.07017072290182114},{"text":"So that's one thing because it is an Oakview portfolio powered by BlackRock.","start":2045.58,"end":2050.08,"sentiment":"neutral","sentiment_score":0.08712412388278888},{"text":"At the moment, it's not public.","start":2050.14,"end":2051.82,"sentiment":"neutral","sentiment_score":-0.0026142367472251258},{"text":"So they will like, that's what, obviously, the end goal is to make it to where it is a publicly listed SMA that people can invest in even if you're not a customer of Oakview.","start":2051.82,"end":2061.965,"sentiment":"neutral","sentiment_score":0.280125578386443},{"text":"But at the moment, it's built from the investment committee here within liaison with BlackRock.","start":2062.265,"end":2067.965,"sentiment":"neutral","sentiment_score":0.1319416711727778}],"sentiment":"neutral","sentiment_score":0.18328968254583222,"num_words":70,"start":2045.34,"end":2067.965},{"sentences":[{"text":"So it's like an overview portfolio SMA powered by BlackRock with the goal of going public at some point down the track.","start":2068.35,"end":2075.4102,"sentiment":"neutral","sentiment_score":0.25097960843281314},{"text":"Yep.","start":2080.765,"end":2081.265,"sentiment":"neutral","sentiment_score":0.1193804144859314},{"text":"It sort of was in its final stages getting developed the end of last year and come January, it went live.","start":2090.365,"end":2096.065,"sentiment":"neutral","sentiment_score":0.058958047380050026},{"text":"So so with that, in regards to the investments within it, the investments within it have been around a lot longer than the SMA itself.","start":2110.035,"end":2117.955,"sentiment":"neutral","sentiment_score":0.07494396954774857},{"text":"That's why when they first started, they build it passively with those investments, much like if the investment kitty was to just pick, you know, a bunch of investments that are in the market currently and make a portfolio from that.","start":2117.955,"end":2129.03,"sentiment":"neutral","sentiment_score":0.16718947905592801}],"sentiment":"neutral","sentiment_score":0.1418856243179603,"num_words":110,"start":2068.35,"end":2129.03},{"sentences":[{"text":"It is much like that in the sense that they're not picking individual shares and building the portfolio.","start":2129.03,"end":2134.15,"sentiment":"neutral","sentiment_score":0.08432076912787226},{"text":"They're still using those ETFs that have been around a lot longer, which is how they're able to get those, you know, five year rolling averages, things like that as well.","start":2134.15,"end":2141.155,"sentiment":"neutral","sentiment_score":0.23599988798941335},{"text":"Because the investments that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA.","start":2141.215,"end":2150.655,"sentiment":"neutral","sentiment_score":0.16129113058559597},{"text":"They haven't just, like, built it based off individual shares.","start":2150.655,"end":2154.0,"sentiment":"neutral","sentiment_score":0.09868287853896618},{"text":"They've started, you know, with those index funds.","start":2154.0,"end":2156.32,"sentiment":"neutral","sentiment_score":0.10629011131823063}],"sentiment":"neutral","sentiment_score":0.15992157804695042,"num_words":99,"start":2129.03,"end":2156.32},{"sentences":[{"text":"They might move to more managed funds.","start":2156.32,"end":2157.6802,"sentiment":"neutral","sentiment_score":0.1344324712242399},{"text":"They might hold some direct shares in the future, things like that as well.","start":2157.6802,"end":2160.8801,"sentiment":"neutral","sentiment_score":0.21486503524439676},{"text":"That's up to the direction of the investment committee and how they wanna build it moving forward as well.","start":2160.8801,"end":2165.805,"sentiment":"neutral","sentiment_score":0.3126410622345774},{"text":"Yeah.","start":2176.525,"end":2176.765,"sentiment":"neutral","sentiment_score":-0.038583770394325256},{"text":"Yeah.","start":2176.765,"end":2177.265,"sentiment":"neutral","sentiment_score":0.024154603481292725}],"sentiment":"neutral","sentiment_score":0.23511640017940885,"num_words":42,"start":2156.32,"end":2177.265},{"sentences":[{"text":"Yep.","start":2183.98,"end":2184.48,"sentiment":"neutral","sentiment_score":0.03590812906622887},{"text":"So it's in collaboration with BlackRock and then they do hold some BlackRock investments within that fund.","start":2189.9001,"end":2196.925,"sentiment":"neutral","sentiment_score":-0.025447518729111728},{"text":"But as far as the money itself, it's still held and managed by Oakview.","start":2196.925,"end":2200.465,"sentiment":"neutral","sentiment_score":-0.01620369777083397},{"text":"And those grove and, like, the PDS, you can have a bit more of a read through it.","start":2200.7651,"end":2204.0452,"sentiment":"neutral","sentiment_score":0.07843393025298913},{"text":"Now you just sort of know it's towards the SMA.","start":2204.0452,"end":2205.905,"sentiment":"neutral","sentiment_score":0.05987700521945953}],"sentiment":"neutral","sentiment_score":0.023117155643800895,"num_words":60,"start":2183.98,"end":2205.905},{"sentences":[{"text":"It is based on the fact that Oakview have built those.","start":2206.1199,"end":2209.16,"sentiment":"neutral","sentiment_score":0.14376727830279956},{"text":"They're Oakview SMAs powered by BlackRock.","start":2209.16,"end":2211.82,"sentiment":"neutral","sentiment_score":0.1723661795258522},{"text":"Yeah.","start":2212.1199,"end":2212.6199,"sentiment":"neutral","sentiment_score":0.10536205023527144},{"text":"Yeah.","start":2221.735,"end":2221.975,"sentiment":"neutral","sentiment_score":0.08435866236686707},{"text":"It's a lot of information coming at you there, kid.","start":2221.975,"end":2224.3152,"sentiment":"neutral","sentiment_score":0.04020840488374233}],"sentiment":"neutral","sentiment_score":0.11060144482501622,"num_words":29,"start":2206.1199,"end":2224.3152},{"sentences":[{"text":"Obviously, like, you know, it is sort of like through like, our conversations, I would say it's between the SMA and passive.","start":2225.895,"end":2232.0752,"sentiment":"neutral","sentiment_score":0.012917976826429367},{"text":"It just if you want that little bit more of a professional oversight moving forward and, you know, a little bit let more of a a hands off.","start":2232.135,"end":2238.76,"sentiment":"neutral","sentiment_score":0.06959592311510018},{"text":"You obviously still get the updates.","start":2238.76,"end":2240.28,"sentiment":"neutral","sentiment_score":0.15753890325625738},{"text":"You still see what's going on.","start":2240.28,"end":2241.56,"sentiment":"neutral","sentiment_score":0.15030707667271295},{"text":"You can still call up and ask what's happening, what they're sort of doing.","start":2241.56,"end":2244.54,"sentiment":"neutral","sentiment_score":0.058187693623559814}],"sentiment":"neutral","sentiment_score":0.0644024332593146,"num_words":76,"start":2225.895,"end":2244.54},{"sentences":[{"text":"But in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could.","start":2245.425,"end":2254.645,"sentiment":"neutral","sentiment_score":-0.05019848281517625},{"text":"But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well.","start":2255.105,"end":2262.72,"sentiment":"neutral","sentiment_score":0.1538123825771941},{"text":"Yep.","start":2281.7551,"end":2282.2551,"sentiment":"neutral","sentiment_score":-0.011478087864816189},{"text":"With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more.","start":2287.21,"end":2300.675,"sentiment":"neutral","sentiment_score":0.15175111459720195},{"text":"And it's generally sort of at the end of each month if there's enough sort of allocated cash from your contributions going in that they do those those buys and and sells to rebalance it slightly.","start":2300.675,"end":2311.0151,"sentiment":"neutral","sentiment_score":0.1530613988224003}],"sentiment":"neutral","sentiment_score":0.10951578706297298,"num_words":154,"start":2245.425,"end":2311.0151},{"sentences":[{"text":"But it's inside yeah.","start":2311.3152,"end":2318.0,"sentiment":"neutral","sentiment_score":-0.07250203657895327},{"text":"So any sort of soul where there is a capital gain, obviously, there's losses that offset that as well.","start":2318.0,"end":2322.66,"sentiment":"neutral","sentiment_score":-0.036878565424367},{"text":"Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and the way that works.","start":2323.76,"end":2340.015,"sentiment":"neutral","sentiment_score":0.21977804235199042},{"text":"So even though there is still tax associated with that, you know, a managed fund might pay quite a bit more over the the life cycle of it being, like, active and, you know, the buyers and sales and the cost and sales and the changes as opposed to an SMA, if you just hold that one SMA, the the capital gains is generally lower as well over a longer period of time.","start":2340.015,"end":2364.945,"sentiment":"neutral","sentiment_score":0.06860302137338543},{"text":"Yep.","start":2373.9,"end":2374.4,"sentiment":"neutral","sentiment_score":0.11036446690559389}],"sentiment":"neutral","sentiment_score":0.1081495620249831,"num_words":154,"start":2311.3152,"end":2374.4},{"sentences":[{"text":"Yeah.","start":2386.555,"end":2386.875,"sentiment":"neutral","sentiment_score":0.09664535522460938},{"text":"So with that, the the funds that carry across even currently from your current portfolio into the SMA, they still get in in species transferred.","start":2386.875,"end":2394.495,"sentiment":"neutral","sentiment_score":0.10987581521272659},{"text":"So any funds that match up with the funds that are actually in the SMA, they just carry across to the SMA.","start":2395.1,"end":2400.4,"sentiment":"neutral","sentiment_score":0.17917758294127203},{"text":"Now in terms of the ones that don't, it would just be like selling out and moving out.","start":2400.86,"end":2405.74,"sentiment":"neutral","sentiment_score":-0.19165975973010063},{"text":"You're not locked in by any means, but, obviously, you still gotta pay the liable taxes and things like that if the investments change much like, you know, anything.","start":2405.74,"end":2413.675,"sentiment":"neutral","sentiment_score":-0.26096687337447855}],"sentiment":"neutral","sentiment_score":-0.044552288871062426,"num_words":95,"start":2386.555,"end":2413.675},{"sentences":[{"text":"So at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently.","start":2423.67,"end":2433.45,"sentiment":"neutral","sentiment_score":-0.24561703821708417},{"text":"So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost.","start":2433.83,"end":2438.595,"sentiment":"neutral","sentiment_score":-0.11411963858538204},{"text":"That is offset of, like that's with the offset of the the loss with the Benelon.","start":2439.2349,"end":2443.4949,"sentiment":"neutral","sentiment_score":-0.10414935508742929},{"text":"Now if you went to, like, the active portion because a lot of the portfolio is staying the same, we're just changing likely the active portion and a few other the tweaks and rebalancing a bit.","start":2443.555,"end":2453.19,"sentiment":"neutral","sentiment_score":-0.022831186134782102},{"text":"It is a lot lower.","start":2453.3499,"end":2454.15,"sentiment":"neutral","sentiment_score":0.05735254734754562}],"sentiment":"neutral","sentiment_score":-0.10940958892640013,"num_words":104,"start":2423.67,"end":2454.15},{"sentences":[{"text":"It's around the 300.","start":2454.15,"end":2455.19,"sentiment":"neutral","sentiment_score":0.062077542301267385},{"text":"And then if you went to the passive option, it would be a $500 CGT.","start":2455.19,"end":2459.29,"sentiment":"neutral","sentiment_score":0.059283468127250674},{"text":"That's because a lot of the portfolio would remain the same.","start":2459.43,"end":2462.55,"sentiment":"neutral","sentiment_score":0.13508519327098673},{"text":"The core would remain the same.","start":2462.55,"end":2464.5698,"sentiment":"neutral","sentiment_score":0.17917197942733765},{"text":"It would just be a few a few changes and updates to make it a fully passive portfolio, which would do in turn to come from those active portions and the one that weren't performing too well.","start":2465.03,"end":2475.2349,"sentiment":"neutral","sentiment_score":0.03711469270087577}],"sentiment":"neutral","sentiment_score":0.06947636744645361,"num_words":73,"start":2454.15,"end":2475.2349},{"sentences":[{"text":"Whereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying across to the the SMA, if that makes sense.","start":2475.295,"end":2484.9,"sentiment":"negative","sentiment_score":-0.3577426124003626},{"text":"Lot of lot of admin.","start":2527.02,"end":2528.72,"sentiment":"neutral","sentiment_score":0.01710943579673767},{"text":"Yeah.","start":2528.78,"end":2529.28,"sentiment":"neutral","sentiment_score":0.02295449934899807},{"text":"So like like I said yeah.","start":2529.34,"end":2531.58,"sentiment":"neutral","sentiment_score":0.03514615880946318},{"text":"So I feel like the SMA, like, obviously, without, you know, putting it together and advice piece probably best suits you and your needs in terms of, like, not only, like, what you're getting out of it, but in terms of just, like, for ease of mind and your lifestyle and, you know, what you wanna get out of, you know, your investments as well.","start":2531.58,"end":2549.335,"sentiment":"positive","sentiment_score":0.35251773251936985}],"sentiment":"neutral","sentiment_score":0.11243528019015987,"num_words":108,"start":2475.295,"end":2549.335},{"sentences":[{"text":"But the passive's still an option that's more than suitable for your needs depending on if you wanna go down that route as well.","start":2549.795,"end":2556.4001,"sentiment":"neutral","sentiment_score":0.3298150630046924},{"text":"So if you were to do just, like, a passive option there as well, it would be largely like, a lot of the call would remain the same.","start":2567.095,"end":2574.7952,"sentiment":"neutral","sentiment_score":0.06471684628299304},{"text":"And then with that, there would be some changes to the exposures with a few of the more satellites, but your S and P 500 would stay largely unchanged.","start":2575.895,"end":2585.88,"sentiment":"neutral","sentiment_score":0.0006999031415787237},{"text":"A few of your alternate outside The US and things like that would change slightly.","start":2586.26,"end":2590.76,"sentiment":"neutral","sentiment_score":-0.046327464779218036},{"text":"But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same.","start":2591.46,"end":2602.475,"sentiment":"neutral","sentiment_score":0.059702386981562564}],"sentiment":"neutral","sentiment_score":0.08449036666233815,"num_words":134,"start":2549.795,"end":2602.475},{"sentences":[{"text":"Yeah.","start":2613.4302,"end":2613.75,"sentiment":"positive","sentiment_score":0.38200628757476807},{"text":"And you don't have to make a decision on the spot.","start":2613.75,"end":2615.9102,"sentiment":"neutral","sentiment_score":0.2715550044720823},{"text":"You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments.","start":2615.9102,"end":2626.2148,"sentiment":"positive","sentiment_score":0.45422447051690973},{"text":"It's not a a huge rush.","start":2626.275,"end":2627.9548,"sentiment":"neutral","sentiment_score":0.198653278251489},{"text":"You've, you know, you've had a few weeks already.","start":2627.9548,"end":2629.555,"sentiment":"neutral","sentiment_score":0.17107003264957005}],"sentiment":"positive","sentiment_score":0.36979434169726827,"num_words":73,"start":2613.4302,"end":2629.555},{"sentences":[{"text":"What's a couple more days for you to be able to digest the information a little bit as well?","start":2629.555,"end":2633.49,"sentiment":"neutral","sentiment_score":0.1660061611940986},{"text":"Yeah.","start":2664.48,"end":2664.98,"sentiment":"neutral","sentiment_score":0.06412823498249054},{"text":"Yeah.","start":2674.895,"end":2675.395,"sentiment":"neutral","sentiment_score":0.0033814990893006325},{"text":"Exactly.","start":2676.4148,"end":2676.895,"sentiment":"neutral","sentiment_score":0.05340573191642761},{"text":"And, like, although super is like a longer term game, obviously, you know, it doesn't hurt to review it like this may may go a few years without even making a change because the markets are doing well.","start":2676.895,"end":2686.93,"sentiment":"neutral","sentiment_score":-0.019118461267728554}],"sentiment":"neutral","sentiment_score":0.042475516675040126,"num_words":60,"start":2629.555,"end":2686.93},{"sentences":[{"text":"But if they see something that they're forecasting coming, it means they can change it for a lot more people.","start":2687.15,"end":2691.71,"sentiment":"neutral","sentiment_score":0.015217946469783783},{"text":"Like, obviously, you know, we try and pick it up if we're doing quarterly reviews, yearly reviews, and things like that.","start":2691.71,"end":2696.51,"sentiment":"neutral","sentiment_score":0.01702780072532949},{"text":"But you may fall outside of something that is occurring, like, politically, that's outside of the scope and, you know, it is like a smaller firm as well.","start":2696.51,"end":2705.195,"sentiment":"neutral","sentiment_score":-0.2017036568639534},{"text":"So it's harder to, you know, be able to to call you up, let you know what's happening without sort of just working through everyone because it comes up as it comes up sort of thing.","start":2705.195,"end":2713.3499,"sentiment":"negative","sentiment_score":-0.3977583021753364},{"text":"Whereas the SMA, they're doing it not just for the SMA.","start":2713.3499,"end":2716.8699,"sentiment":"neutral","sentiment_score":0.015095328065482054}],"sentiment":"neutral","sentiment_score":-0.16499146480305954,"num_words":116,"start":2687.15,"end":2716.8699},{"sentences":[{"text":"It's everyone in the SMA, which can encompass a larger group or portion of the book.","start":2716.8699,"end":2721.6099,"sentiment":"neutral","sentiment_score":0.04903401713818312},{"text":"Yeah.","start":2743.06,"end":2743.56,"sentiment":"positive","sentiment_score":0.35798072814941406},{"text":"Yep.","start":2754.435,"end":2754.935,"sentiment":"neutral","sentiment_score":0.25257930159568787},{"text":"So, like, the the actual funds themselves, how much is in them currently?","start":2768.05,"end":2771.91,"sentiment":"neutral","sentiment_score":0.021288069538198985},{"text":"I wouldn't be able to see exactly what's in it currently in terms of, like, a breakdown.","start":2774.295,"end":2779.035,"sentiment":"neutral","sentiment_score":-0.2134916786761845}],"sentiment":"neutral","sentiment_score":-0.04078144436546912,"num_words":48,"start":2716.8699,"end":2779.035},{"sentences":[{"text":"Obviously, you know, it's only been started moving in since January there, but there are, like, still, I believe, it's probably at least a a half a million, if not more, that have already gone gone in just in recent times that I'm aware of.","start":2779.175,"end":2793.17,"sentiment":"neutral","sentiment_score":-0.1993686722384559},{"text":"I'm not too sure.","start":2794.75,"end":2795.89,"sentiment":"neutral","sentiment_score":-0.20682943984866142},{"text":"Yeah.","start":2798.27,"end":2798.5898,"sentiment":"neutral","sentiment_score":0.04606832936406136},{"text":"Yeah.","start":2798.5898,"end":2798.91,"sentiment":"neutral","sentiment_score":0.07357907295227051},{"text":"In terms of, like, funds under management, it's still a fund under management of OQ.","start":2798.91,"end":2803.465,"sentiment":"neutral","sentiment_score":0.06575564642747243}],"sentiment":"neutral","sentiment_score":-0.1317109986575264,"num_words":66,"start":2779.175,"end":2803.465},{"sentences":[{"text":"And, like, obviously, we still have quite the number of, like, dollars under management in terms of everyone that is on board.","start":2803.465,"end":2810.845,"sentiment":"neutral","sentiment_score":0.12705985642969608},{"text":"I couldn't actually tell you the the exact number that's in the individual sort of SMAs currently though, but it is sort of in its earliest stages and in growing.","start":2811.465,"end":2819.59,"sentiment":"neutral","sentiment_score":-0.01392262460043033},{"text":"That that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames.","start":2837.04,"end":2846.48,"sentiment":"neutral","sentiment_score":-0.13832927233091108},{"text":"Otherwise, we couldn't do it.","start":2846.48,"end":2848.1,"sentiment":"negative","sentiment_score":-0.38387919664382936},{"text":"Now, and as they make changes, it actually becomes a lot harder to do those past projections because you've gotta take into account the fact that, you know, this investment was only in there for a year and then it wasn't and then, like, obviously, as a change of scope, it actually becomes a bit of a a projection or past performance nightmare.","start":2848.4001,"end":2865.37,"sentiment":"negative","sentiment_score":-0.4252567726468283}],"sentiment":"neutral","sentiment_score":-0.20454302659498996,"num_words":147,"start":2803.465,"end":2865.37},{"sentences":[{"text":"But currently, all the assets held under that portfolio have existed for those time frames, which is why we're able based on those past performances, what that would project out to be taken into account the the fees associated with that as well.","start":2865.37,"end":2881.895,"sentiment":"neutral","sentiment_score":-0.13678113609379114},{"text":"Yeah.","start":2881.895,"end":2882.2952,"sentiment":"neutral","sentiment_score":-0.0035240743309259415},{"text":"Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment.","start":2882.2952,"end":2890.075,"sentiment":"neutral","sentiment_score":-0.24120117317546497},{"text":"Yep.","start":2902.39,"end":2902.89,"sentiment":"neutral","sentiment_score":0.045409172773361206},{"text":"Yep.","start":2909.5251,"end":2910.0251,"sentiment":"neutral","sentiment_score":0.07131064683198929}],"sentiment":"neutral","sentiment_score":-0.16286498406792388,"num_words":68,"start":2865.37,"end":2910.0251},{"sentences":[{"text":"Yep.","start":2917.78,"end":2918.28,"sentiment":"neutral","sentiment_score":0.06147247180342674},{"text":"Other way around.","start":2923.46,"end":2924.34,"sentiment":"neutral","sentiment_score":-0.004533666496475538},{"text":"So 60 bloom, four yeah.","start":2924.34,"end":2926.3599,"sentiment":"neutral","sentiment_score":0.011481661163270474},{"text":"60 bloom, 40 evergreen.","start":2926.5,"end":2928.2,"sentiment":"neutral","sentiment_score":0.014097200008109212},{"text":"There's those sort of rough amounts, and that gets you that eighty twenty sort of split between the assets.","start":2928.485,"end":2932.665,"sentiment":"neutral","sentiment_score":-0.042773591820150614}],"sentiment":"neutral","sentiment_score":-0.02034467707562726,"num_words":32,"start":2917.78,"end":2932.665},{"sentences":[{"text":"In a sense, but also no.","start":2940.565,"end":2942.18,"sentiment":"neutral","sentiment_score":-0.09522942577799161},{"text":"So within regards to that, it just means a higher allocation to those growth assets.","start":2942.18,"end":2946.5,"sentiment":"neutral","sentiment_score":0.03211543659369151},{"text":"So even with that eighty twenty, it's 80% growth assets and 20% defensive.","start":2946.5,"end":2950.5198,"sentiment":"neutral","sentiment_score":0.1380794896529271},{"text":"So the growth is anywhere between, you know, shares international versus domestic.","start":2950.98,"end":2955.8052,"sentiment":"neutral","sentiment_score":0.08356768513719241},{"text":"So that includes your S and P 500.","start":2955.8052,"end":2957.645,"sentiment":"neutral","sentiment_score":0.03958721365779638}],"sentiment":"neutral","sentiment_score":0.056016635011743615,"num_words":54,"start":2940.565,"end":2957.645},{"sentences":[{"text":"That's a growth asset.","start":2957.645,"end":2958.7852,"sentiment":"neutral","sentiment_score":0.307530015707016},{"text":"So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset.","start":2959.165,"end":2971.72,"sentiment":"neutral","sentiment_score":0.13589364228149256},{"text":"You don't carry the risk of, like, direct shares currently.","start":2972.1,"end":2975.22,"sentiment":"neutral","sentiment_score":-0.2192865416407585},{"text":"You don't carry that fund manager risk apart from the, you know, the investment committee that makes those active changes if they were to sort of come up.","start":2975.22,"end":2982.375,"sentiment":"neutral","sentiment_score":-0.10377322230488062},{"text":"But in saying that as well, you still have 20% dedicated to, you know, things like cash fixed interest and those sort of bonds that hold that defensive portion because those growth assets over the long terms are the ones that get you that capital growth.","start":2983.255,"end":2996.73,"sentiment":"neutral","sentiment_score":0.29251785754509596}],"sentiment":"neutral","sentiment_score":0.11845824042992557,"num_words":136,"start":2957.645,"end":2996.73},{"sentences":[{"text":"And at the moment as well, they're considering gold to be a growth asset even though it can be considered a bit of a defensive asset as well depending on the markets.","start":2996.81,"end":3005.95,"sentiment":"neutral","sentiment_score":0.09794150735251606},{"text":"So if anything, you might be a tad more defensive in a sense that you do hold gold within that if you were to go with that option as well.","start":3006.17,"end":3014.475,"sentiment":"neutral","sentiment_score":0.11848430285851161},{"text":"And if Like, we we're happy to I'm happy to have a play around with it to sort of if you, like, see one like, obviously, the growth and the high growth are in line more with your risk profile and the split between that's to get that eighty twenty.","start":3018.135,"end":3049.2,"sentiment":"neutral","sentiment_score":0.2264521077275276},{"text":"If we sort of jig that a little bit because you wanna go, you know, a little bit more to a balance or you wanna have a bit more in the, you know, the higher growth obviously, if you split across more than two, it gets a little bit higher in terms of cost, so I wouldn't sort of recommend that.","start":3049.44,"end":3063.38,"sentiment":"negative","sentiment_score":-0.36378892340132446},{"text":"But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well.","start":3063.435,"end":3072.235,"sentiment":"neutral","sentiment_score":0.0954384883685458}],"sentiment":"neutral","sentiment_score":-0.00598661019923348,"num_words":204,"start":2996.81,"end":3072.235},{"sentences":[{"text":"It just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to be.","start":3072.235,"end":3078.27,"sentiment":"neutral","sentiment_score":0.1297475133712093},{"text":"Also, you could look at just doing the one and then just sort of riding the risk either being slightly below your risk profile range or maybe slightly above the risk profile range, but just holding the one the one SMA account as well.","start":3079.15,"end":3092.085,"sentiment":"neutral","sentiment_score":0.03422830457037145},{"text":"Yeah.","start":3093.525,"end":3094.025,"sentiment":"neutral","sentiment_score":0.30199092626571655},{"text":"Because because, obviously, you can't yeah.","start":3095.365,"end":3097.445,"sentiment":"neutral","sentiment_score":-0.03832004498690367},{"text":"The accounts are built for balanced growth, high growth, and, like, all growth, which is like your aggressive option, which is why those four accounts exist and they're sort of just those they base.","start":3097.445,"end":3107.78,"sentiment":"neutral","sentiment_score":0.10573019569410998}],"sentiment":"neutral","sentiment_score":0.07602644983439817,"num_words":109,"start":3072.235,"end":3107.78},{"sentences":[{"text":"They stay within those ranges, and then we just move funds between them to make it within your risk profiles.","start":3107.78,"end":3113.72,"sentiment":"neutral","sentiment_score":0.12699560169130564},{"text":"Well, once the the growth and once the the high growth and with the split between that, it gives you that seventy twenty sort of split between the assets they hold within the fund.","start":3124.035,"end":3133.095,"sentiment":"neutral","sentiment_score":0.057191328967318815},{"text":"Yeah.","start":3148.355,"end":3148.675,"sentiment":"neutral","sentiment_score":0.12177486717700958},{"text":"No.","start":3148.675,"end":3148.835,"sentiment":"neutral","sentiment_score":0.07502835988998413},{"text":"That's perfectly fine, kid.","start":3148.835,"end":3149.875,"sentiment":"neutral","sentiment_score":0.24459602683782578}],"sentiment":"neutral","sentiment_score":0.09432674255222082,"num_words":60,"start":3107.78,"end":3149.875},{"sentences":[{"text":"Even if you wanna have another chat, that's more than fine as well.","start":3149.875,"end":3152.455,"sentiment":"neutral","sentiment_score":0.19635199583493745},{"text":"Yep.","start":3156.195,"end":3156.695,"sentiment":"neutral","sentiment_score":0.02237902581691742},{"text":"Three thousand 9.","start":3173.985,"end":3175.125,"sentiment":"neutral","sentiment_score":-0.001418765013416608},{"text":"Yeah.","start":3175.905,"end":3176.225,"sentiment":"neutral","sentiment_score":0.008814343251287937},{"text":"No.","start":3176.225,"end":3176.465,"sentiment":"neutral","sentiment_score":-0.05483432859182358}],"sentiment":"neutral","sentiment_score":0.1328778258573852,"num_words":19,"start":3149.875,"end":3176.465},{"sentences":[{"text":"That's fine.","start":3176.465,"end":3177.205,"sentiment":"neutral","sentiment_score":0.005952706560492515},{"text":"It was probably just your insurances, but I'll double check.","start":3177.5051,"end":3181.205,"sentiment":"neutral","sentiment_score":-0.04272397439926863},{"text":"I'm just confirming because I'll just have a look.","start":3233.8,"end":3237.1802,"sentiment":"neutral","sentiment_score":0.0838875582234727},{"text":"Because I dare say it's just the insurance costs.","start":3244.615,"end":3248.7148,"sentiment":"neutral","sentiment_score":-0.20257967048221165},{"text":"Yeah.","start":3261.11,"end":3261.61,"sentiment":"neutral","sentiment_score":0.03149861842393875}],"sentiment":"neutral","sentiment_score":-0.046840797508916544,"num_words":31,"start":3176.465,"end":3261.61},{"sentences":[{"text":"Yes.","start":3310.3699,"end":3310.8499,"sentiment":"neutral","sentiment_score":0.04742400348186493},{"text":"So on the nineteenth to the third was your premium due date minus your 15% rebate, which comes out to the $3,084.81, which lines up with that that rollover amount deducted for the trust.","start":3310.8499,"end":3330.6099,"sentiment":"neutral","sentiment_score":0.07696132761809756},{"text":"No.","start":3335.39,"end":3335.71,"sentiment":"neutral","sentiment_score":-0.19827386736869812},{"text":"That was the the policy renewal for your insurances.","start":3335.71,"end":3338.6099,"sentiment":"neutral","sentiment_score":-0.09856037091877726},{"text":"So we obviously get a 22% trailing commission for that.","start":3338.8298,"end":3342.225,"sentiment":"neutral","sentiment_score":0.036289074644446376}],"sentiment":"neutral","sentiment_score":0.03530332151461731,"num_words":55,"start":3310.3699,"end":3342.225},{"sentences":[{"text":"Our one's a monthly amount that you pay towards us and our pre like, our service.","start":3342.465,"end":3347.5251,"sentiment":"neutral","sentiment_score":0.05743876611813903},{"text":"But that that lump sum was just for the insurance premium for your Neos policy, which is coming up again in the like, this month, which is why we're doing that reduction now.","start":3348.145,"end":3357.7698,"sentiment":"neutral","sentiment_score":-0.06515771161877748},{"text":"But that's what I see that deduction for.","start":3360.15,"end":3363.99,"sentiment":"neutral","sentiment_score":-0.0669622803106904},{"text":"Because, obviously, it comes out as a rollover because it goes to the trustee of the super fund, which is why it can be done through SuperStream rollovers.","start":3363.99,"end":3370.9248,"sentiment":"neutral","sentiment_score":0.05163493353341307},{"text":"And that that amount matches up with that amount that you're sort of concerned about there as well.","start":3373.9448,"end":3380.2048,"sentiment":"neutral","sentiment_score":-0.040839942172169685}],"sentiment":"neutral","sentiment_score":-0.010254595030858678,"num_words":103,"start":3342.465,"end":3380.2048},{"sentences":[{"text":"$3,084.81 was your yearly premium for the last year.","start":3387.32,"end":3391.96,"sentiment":"neutral","sentiment_score":0.08530147042539385},{"text":"Yep.","start":3391.96,"end":3392.46,"sentiment":"positive","sentiment_score":0.35947906970977783},{"text":"Well, the the full amount is $3,629, but you get the 15% rebate for being inside super.","start":3399.285,"end":3405.925,"sentiment":"neutral","sentiment_score":0.24257859412361593},{"text":"But, yes, it has had a little bit of a jump up in terms of that as well.","start":3405.925,"end":3409.83,"sentiment":"neutral","sentiment_score":0.12119104837377866},{"text":"Whether that's oops, sorry?","start":3410.69,"end":3413.1099,"sentiment":"neutral","sentiment_score":-0.1321505792438984}],"sentiment":"neutral","sentiment_score":0.14089520321208604,"num_words":49,"start":3387.32,"end":3413.1099},{"sentences":[{"text":"So oh, sorry.","start":3425.985,"end":3426.945,"sentiment":"neutral","sentiment_score":-0.17032105724016824},{"text":"I'll just bring up that quote.","start":3426.945,"end":3429.5852,"sentiment":"neutral","sentiment_score":-0.11382171635826428},{"text":"So I can't remember off the top of my head what the the sums actually came to.","start":3429.5852,"end":3433.445,"sentiment":"neutral","sentiment_score":-0.19089620253619025},{"text":"Because there's two figures that you can see generally.","start":3434.26,"end":3437.4802,"sentiment":"neutral","sentiment_score":-0.08606580230924818},{"text":"Bear with me.","start":3437.78,"end":3438.76,"sentiment":"neutral","sentiment_score":-0.04779136801759402}],"sentiment":"neutral","sentiment_score":-0.14097619046898266,"num_words":38,"start":3425.985,"end":3438.76},{"sentences":[{"text":"Yes.","start":3441.2202,"end":3441.54,"sentiment":"neutral","sentiment_score":0.028967998921871185},{"text":"Reduction quote.","start":3441.54,"end":3442.52,"sentiment":"neutral","sentiment_score":-0.01969970017671585},{"text":"Pardon?","start":3451.395,"end":3451.875,"sentiment":"neutral","sentiment_score":-0.12029846012592316},{"text":"You have no yeah.","start":3451.875,"end":3452.755,"sentiment":"neutral","sentiment_score":-0.19535936042666435},{"text":"It's that only shows up in hub twenty four.","start":3452.755,"end":3455.315,"sentiment":"neutral","sentiment_score":-0.09500107500288221}],"sentiment":"neutral","sentiment_score":-0.10395158695824006,"num_words":17,"start":3441.2202,"end":3455.315},{"sentences":[{"text":"The insurances, if you have group cover within hub twenty four.","start":3455.315,"end":3458.035,"sentiment":"neutral","sentiment_score":-0.08882777054201473},{"text":"So you won't actually be able to see your external policy.","start":3458.035,"end":3460.455,"sentiment":"neutral","sentiment_score":-0.047407088123939255},{"text":"In terms of the cover amount, so before the the reduction, it's $4,572 as a yearly premium, and then that drops down to $4,162.69 in terms of that premium.","start":3462.06,"end":3475.6802,"sentiment":"neutral","sentiment_score":0.03587978249736901},{"text":"And then the rollover amount will actually be less because you'll get the 15% rebate out of that as well.","start":3475.98,"end":3483.2249,"sentiment":"neutral","sentiment_score":0.1310506021603942},{"text":"So it's the one one point five of life and TPD, and then the income protection stay the same with that longer benefit, which is the largely where the cost is coming from, to the age of 65.","start":3490.34,"end":3501.22,"sentiment":"neutral","sentiment_score":0.05566254596372968}],"sentiment":"neutral","sentiment_score":0.039248798503924945,"num_words":109,"start":3455.315,"end":3501.22},{"sentences":[{"text":"So it'll be $4,162.69 as a yearly premium, then you'll get the rebate or the 15% discount for being inside super.","start":3501.22,"end":3510.1892,"sentiment":"neutral","sentiment_score":0.10128646805172875},{"text":"So the rollover amount will be $3,538.28 for the the next twelve months for your insurance cost.","start":3510.1892,"end":3518.28,"sentiment":"neutral","sentiment_score":0.08587646637769307},{"text":"The premium.","start":3523.0,"end":3523.74,"sentiment":"neutral","sentiment_score":0.013942196033895016},{"text":"Yeah.","start":3523.8,"end":3524.28,"sentiment":"neutral","sentiment_score":0.026527039706707},{"text":"With Yep.","start":3524.28,"end":3526.86,"sentiment":"neutral","sentiment_score":0.03368601016700268}],"sentiment":"neutral","sentiment_score":0.0862488188282695,"num_words":43,"start":3501.22,"end":3526.86},{"sentences":[{"text":"Yeah.","start":3540.2148,"end":3540.7148,"sentiment":"neutral","sentiment_score":-0.02567794732749462},{"text":"There is a withdrawal.","start":3540.9348,"end":3542.075,"sentiment":"neutral","sentiment_score":-0.12845533713698387},{"text":"There is a withdrawal history.","start":3542.87,"end":3544.57,"sentiment":"neutral","sentiment_score":-0.10468755066394805},{"text":"The the view might be a little bit different for you.","start":3544.79,"end":3547.27,"sentiment":"neutral","sentiment_score":-0.06424311887134206},{"text":"I can get you a deposits and withdrawals if you'd like, but the withdrawal payment you're referring to is that super super rollover for the insurances for last year, that $3,084.","start":3547.27,"end":3558.135,"sentiment":"neutral","sentiment_score":0.09760226609726105}],"sentiment":"neutral","sentiment_score":0.024154978696829997,"num_words":52,"start":3540.2148,"end":3558.135},{"sentences":[{"text":"Also, if you're doing your cash statement as well, if you're playing around in there and having a look in the cash statement, that'll give you sort of you can go from, like, financial year to date, last financial year from inception, things like that, and you'll be able to see, you know, the buyers, the sellers, your contributions going in.","start":3558.455,"end":3573.2998,"sentiment":"neutral","sentiment_score":0.19254472570829703},{"text":"In addition to that, you'll be able to see those withdrawals coming out as well.","start":3573.2998,"end":3577.16,"sentiment":"neutral","sentiment_score":0.25229788571596146},{"text":"And that'll be just sort of an itemized list that you can go down and have a look at as well.","start":3577.6199,"end":3582.18,"sentiment":"neutral","sentiment_score":0.2825186103582382},{"text":"And then with that, you'll see, like, your portfolio service fees, which is, like, your adviser service fees as well, which are, like, a monthly deduction.","start":3582.18,"end":3589.745,"sentiment":"neutral","sentiment_score":0.11191701344572581},{"text":"Yep.","start":3604.7,"end":3605.02,"sentiment":"neutral","sentiment_score":0.13341616094112396}],"sentiment":"neutral","sentiment_score":0.19762778937095596,"num_words":124,"start":3558.455,"end":3605.02},{"sentences":[{"text":"So you'll be able to see those in the cash statement.","start":3605.02,"end":3606.94,"sentiment":"neutral","sentiment_score":0.1790023703466762},{"text":"Also, in account reports, you can look at your deposits and withdrawals history report as well and then just generate that.","start":3606.94,"end":3614.7551,"sentiment":"neutral","sentiment_score":0.050117961530174525},{"text":"No.","start":3633.95,"end":3634.19,"sentiment":"neutral","sentiment_score":-0.28228265047073364},{"text":"It will be in so it's separate to the one that's in the the section you can see.","start":3634.19,"end":3638.785,"sentiment":"neutral","sentiment_score":-0.13762707511583963},{"text":"So not in deposits and withdrawals.","start":3638.785,"end":3640.385,"sentiment":"neutral","sentiment_score":-0.12256151313583057}],"sentiment":"neutral","sentiment_score":-0.008305891498661878,"num_words":57,"start":3605.02,"end":3640.385},{"sentences":[{"text":"If you go to account reports, you should be able to you should be able to generate one on that list called deposits and withdrawals, and you can set your date ranges for that.","start":3640.385,"end":3649.825,"sentiment":"neutral","sentiment_score":0.2618667259812355},{"text":"And it'll give you your your contributions amount that you put in, also salary sacrifices and the withdrawals that come out of that account.","start":3649.825,"end":3657.48,"sentiment":"neutral","sentiment_score":0.23094046860933304},{"text":"Yeah.","start":3663.875,"end":3664.375,"sentiment":"neutral","sentiment_score":0.05803544446825981},{"text":"It's it's about three quarters of the way down in transaction reports.","start":3664.915,"end":3669.9749,"sentiment":"neutral","sentiment_score":0.05909064163764318},{"text":"Deposits and withdrawals, and you'll be able to click on that one, and you can set your date ranges, and then you'll be able to generate the report and see see those figures.","start":3672.835,"end":3681.71,"sentiment":"neutral","sentiment_score":0.24670042774894022}],"sentiment":"neutral","sentiment_score":0.22456035759443274,"num_words":104,"start":3640.385,"end":3681.71},{"sentences":[{"text":"Yep.","start":3688.5051,"end":3689.0051,"sentiment":"positive","sentiment_score":0.36276647448539734},{"text":"Yep.","start":3694.3452,"end":3694.8452,"sentiment":"neutral","sentiment_score":-0.007321692071855068},{"text":"No.","start":3695.145,"end":3695.385,"sentiment":"neutral","sentiment_score":-0.15660156309604645},{"text":"That's fine.","start":3695.385,"end":3696.125,"sentiment":"neutral","sentiment_score":0.011514309793710709},{"text":"Which section was that?","start":3705.32,"end":3706.84,"sentiment":"neutral","sentiment_score":-0.04122257838025689}],"sentiment":"neutral","sentiment_score":0.006331280598209964,"num_words":9,"start":3688.5051,"end":3706.84},{"sentences":[{"text":"Sorry.","start":3706.84,"end":3707.32,"sentiment":"neutral","sentiment_score":-0.17668229341506958},{"text":"The in the cash statement or in your deposits and withdrawals?","start":3707.32,"end":3710.14,"sentiment":"neutral","sentiment_score":-0.10858083719556982},{"text":"Because you can like, when you're in the cash statement, you can filter, and you can filter by, like, deposits or or withdrawals, and then that will give you just, like, your list and make it a lot like, if you're in the cash statement, you can just filter by, like, deposits, but you'll also get, like, your dividends paid and things like that as well.","start":3736.1648,"end":3755.1602,"sentiment":"neutral","sentiment_score":0.12210486950635006},{"text":"With the withdrawals, you can do your withdrawals, and that'll have, like, your buy movements and things like that as well.","start":3755.46,"end":3761.06,"sentiment":"neutral","sentiment_score":0.16216432121360586},{"text":"You can have your expenses as well within that that lovely like, your portfolio expense fees and adviser fees there as well, so your investment costs and then your adviser fees.","start":3761.06,"end":3771.005,"sentiment":"positive","sentiment_score":0.4482100865533275}],"sentiment":"neutral","sentiment_score":0.18452164087301262,"num_words":130,"start":3706.84,"end":3771.005},{"sentences":[{"text":"And then I'll also come up there that, what else is the the income at?","start":3771.545,"end":3778.36,"sentiment":"neutral","sentiment_score":0.0816795576363802},{"text":"Yeah.","start":3778.36,"end":3778.86,"sentiment":"neutral","sentiment_score":0.008102603256702423},{"text":"Yeah.","start":3784.36,"end":3784.86,"sentiment":"neutral","sentiment_score":0.02707599475979805},{"text":"Yep.","start":3800.31,"end":3800.81,"sentiment":"neutral","sentiment_score":0.01819600723683834},{"text":"Yeah.","start":3816.965,"end":3817.205,"sentiment":"neutral","sentiment_score":0.08867888152599335}],"sentiment":"neutral","sentiment_score":0.07196036059605448,"num_words":19,"start":3771.545,"end":3817.205},{"sentences":[{"text":"No.","start":3817.205,"end":3817.365,"sentiment":"neutral","sentiment_score":0.02294085919857025},{"text":"That's fine.","start":3817.365,"end":3818.185,"sentiment":"neutral","sentiment_score":0.13331487029790878},{"text":"Obviously, that that deposits and withdrawal one will have your salary sacrifice, your super contributions split up, and then also with the withdrawal from that fund, which would be the insurance cost there as well.","start":3818.2449,"end":3828.6602,"sentiment":"neutral","sentiment_score":0.04238467418721744},{"text":"Yeah.","start":3828.6602,"end":3829.1602,"sentiment":"neutral","sentiment_score":0.06698960810899734},{"text":"And then you'll also have your tax liability.","start":3829.7002,"end":3831.4602,"sentiment":"neutral","sentiment_score":0.07006017584353685}],"sentiment":"neutral","sentiment_score":0.05107457896179341,"num_words":47,"start":3817.205,"end":3831.4602},{"sentences":[{"text":"That's like the three ones that are generally listed on that report, and that's all line for line, like, dated.","start":3831.4602,"end":3836.84,"sentiment":"neutral","sentiment_score":0.0541153421625495},{"text":"Yeah.","start":3857.66,"end":3857.98,"sentiment":"neutral","sentiment_score":0.08481025695800781},{"text":"Just in yeah.","start":3857.98,"end":3858.7,"sentiment":"neutral","sentiment_score":0.0845771258076032},{"text":"Transaction reports, deposits, withdrawals, and that will give you you one that you can see all of all of that as well.","start":3858.7,"end":3864.135,"sentiment":"neutral","sentiment_score":0.13931267166679556},{"text":"You're probably better off, like, doing your performance reports, like performance with internal rate of return or, like, your portfolio overview, things like that.","start":3875.415,"end":3884.31,"sentiment":"neutral","sentiment_score":-0.04213518090546131}],"sentiment":"neutral","sentiment_score":0.04963547017957483,"num_words":70,"start":3831.4602,"end":3884.31},{"sentences":[{"text":"Those other ones can get, like, a little bit confusing if you're not really sure what you're sort of looking at as well.","start":3884.6902,"end":3890.7102,"sentiment":"neutral","sentiment_score":-0.2918526575617168},{"text":"But, yeah, the just your performance reports generally are really quite quite good.","start":3893.045,"end":3897.385,"sentiment":"positive","sentiment_score":0.7141037308252774},{"text":"Your portfolio overview as well, just be able to have a look at that, and then you can sort of just come to us with any sort of questions you might have there as well.","start":3897.605,"end":3905.4,"sentiment":"positive","sentiment_score":0.48568312185151236},{"text":"Yep.","start":3915.0,"end":3915.5,"sentiment":"neutral","sentiment_score":0.15218590199947357},{"text":"Yeah.","start":3918.215,"end":3918.375,"sentiment":"neutral","sentiment_score":0.0948510244488716}],"sentiment":"neutral","sentiment_score":0.2714614187405534,"num_words":73,"start":3884.6902,"end":3918.375},{"sentences":[{"text":"Yeah.","start":3918.375,"end":3918.695,"sentiment":"neutral","sentiment_score":0.09865444153547288},{"text":"A little bit.","start":3918.695,"end":3919.095,"sentiment":"neutral","sentiment_score":0.0666951450208823},{"text":"But that's that's alright.","start":3919.095,"end":3920.055,"sentiment":"neutral","sentiment_score":0.16395131312310696},{"text":"Generally, I do like bigger bigger days so I can catch people after work and stuff, and daylight savings tends to help a little bit.","start":3920.055,"end":3926.935,"sentiment":"neutral","sentiment_score":0.20524985134601592},{"text":"So yeah.","start":3926.935,"end":3927.995,"sentiment":"neutral","sentiment_score":0.15195158869028091}],"sentiment":"neutral","sentiment_score":0.18256270257490023,"num_words":35,"start":3918.375,"end":3927.995},{"sentences":[{"text":"Yep.","start":3941.43,"end":3941.93,"sentiment":"neutral","sentiment_score":0.13901838660240173},{"text":"Mhmm.","start":3948.865,"end":3949.0251,"sentiment":"neutral","sentiment_score":0.09201520681381226},{"text":"Not not a problem at all, kid.","start":3949.0251,"end":3950.225,"sentiment":"neutral","sentiment_score":0.2203218298298972},{"text":"Just shoot us an email when you when you're ready.","start":3950.225,"end":3952.3052,"sentiment":"neutral","sentiment_score":0.1376749038696289},{"text":"Obviously, no rush.","start":3952.3052,"end":3953.445,"sentiment":"neutral","sentiment_score":0.10387459397315979}],"sentiment":"neutral","sentiment_score":0.15734814649278467,"num_words":22,"start":3941.43,"end":3953.445},{"sentences":[{"text":"But, yeah, feel free to to reach out with any questions you might have following that.","start":3953.905,"end":3957.48,"sentiment":"neutral","sentiment_score":0.18306539207696915},{"text":"Yeah.","start":3962.92,"end":3963.24,"sentiment":"neutral","sentiment_score":0.10668371617794035},{"text":"I'll get the the team to send out that Neos one just as well for that quote because I'm not I'm not too sure what happened.","start":3963.24,"end":3969.18,"sentiment":"neutral","sentiment_score":0.08612685177761775},{"text":"It's just the signature's not there.","start":3970.255,"end":3972.355,"sentiment":"neutral","sentiment_score":0.02035213743026058},{"text":"So I just have to be re signed.","start":3972.4949,"end":3974.115,"sentiment":"neutral","sentiment_score":0.0735539086163044}],"sentiment":"neutral","sentiment_score":0.10501003910771065,"num_words":57,"start":3953.905,"end":3974.115},{"sentences":[{"text":"Perfect.","start":3982.35,"end":3982.59,"sentiment":"positive","sentiment_score":0.4628242254257202},{"text":"Yeah.","start":3982.59,"end":3982.9102,"sentiment":"positive","sentiment_score":0.3611767292022705},{"text":"That'd be great.","start":3982.9102,"end":3983.6301,"sentiment":"positive","sentiment_score":0.5719495614369711},{"text":"Thanks, Kij.","start":3983.6301,"end":3984.4502,"sentiment":"positive","sentiment_score":0.5233811140060425},{"text":"No worries.","start":3986.35,"end":3986.83,"sentiment":"neutral","sentiment_score":0.2619417756795883}],"sentiment":"positive","sentiment_score":0.4567217131455739,"num_words":9,"start":3982.35,"end":3986.83},{"sentences":[{"text":"Wait.","start":3986.83,"end":3987.33,"sentiment":"neutral","sentiment_score":0.17657580971717834},{"text":"No.","start":3987.4702,"end":3987.7102,"sentiment":"neutral","sentiment_score":0.1324564963579178},{"text":"Too easy.","start":3987.7102,"end":3988.11,"sentiment":"neutral","sentiment_score":0.2057279422879219},{"text":"You enjoy the rest of your afternoon, Kijs.","start":3988.11,"end":3989.3901,"sentiment":"positive","sentiment_score":0.5800256133079529},{"text":"Thanks for your time.","start":3989.3901,"end":3990.37,"sentiment":"positive","sentiment_score":0.6492488533258438}],"sentiment":"positive","sentiment_score":0.49735553190112114,"num_words":16,"start":3986.83,"end":3990.37},{"sentences":[{"text":"Cheers.","start":3992.83,"end":3993.07,"sentiment":"positive","sentiment_score":0.4469826221466065},{"text":"Thanks.","start":3993.07,"end":3993.3901,"sentiment":"positive","sentiment_score":0.4732250273227692},{"text":"Bye.","start":3993.3901,"end":3993.8901,"sentiment":"neutral","sentiment_score":0.31165751814842224}],"sentiment":"positive","sentiment_score":0.41062172253926593,"num_words":3,"start":3992.83,"end":3993.8901}]}}]},{"alternatives":[{"transcript":"Hello? Good afternoon, mate. Not bad. How are you? Yep. We can do that. I'll go through the document. Yeah. Yep. Shruti Shivrankar. Date of birth is sixteen July nineteen seventy nine, and address is 12 Catanami, East, Caroline Springs, Victoria 3023. What document? Sorry. I just had the PDF and a document that talks about the types of different accounts or something. Yeah. Who who does that come through? Is it DocuSign or something that I can search for? O d double o o two. Okay. O two sign. Yeah. Yeah. Yeah. I do remember that, but I get the context. I'm trying to search in my emails. If I've received this email from o d o o. Right? O d o o. I don't think I have. Oh, okay. Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you. I have that email. Interesting. Okay. Tell me again. Yep. Yes. I have. What I don't understand is is this something that is coming up for everyone? So is it something that I have to give you a decision and Meenal will also have to give her a decision once her account is all stabilized and finalized. No. No. No. Sorry. I I I sorry. Sorry, Carl, to interrupt you. I I understand I understand these things. However, I'm trying to understand. My question is to to do more to do with the fact that is OQ making this a policy arrangement for all customers, or is this just catered to me by your side from from you? Okay. Yep. Okay. Okay. I understand now. I'm I'm I'm going to assume for the sake of conversation that these are options that you've kind of sent only to me for now, and this is some kind of a strategy that you are proposing for me. Is that correct? Okay. Yep. Okay. Okay. So right now, in the comparison, it shows my current is on what is it called? In the table, it just says current, but I don't know if I'm on the core or choice because I after that, I did visit the Hub 24 app. I logged in and tried to figure out more, you know, managed funds there. And there are a lot many managed funds, but all of them came up with the same names, you know, active, high growth, etcetera, etcetera. So what am I currently on? What is my current standing as? Is it active, high growth? What what does it stand? Where does India? Uh-huh. Yep. Yep. Yep. But that is the only active portfolio on my portfolio, right? Because everything else is all ETFs. I keep seeing there are a lot of gold, battery, technology, banking, all those ETFs that are invested in, correct? Okay. So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it? Apart from the Benelon. Exactly. Okay. Alright. So, yeah, so in all of this, what was what do you what do you recommend as an option? Because I lean over to passive. I would rather have consistent growth than explosive growth and high risk or exposure to sudden downfalls. You know what I mean? So, yeah, I would rather stay in the middle than on any side of the road, frankly. Mhmm. Yeah. Yeah. Yep. I'm definitely not leaning towards the active. I'm not definitely not leaning towards the active, but what's the other one? Active and then And then and then the passage. Yeah. Yeah. Okay. Okay. So from the SMI perspective, you said there are BlackRock people sitting shoulder to shoulder with you, and then you guys work together on a strategy. Is that what you said? Did you just say earlier? Mhmm. Okay. Okay. So I'm definitely not leaning towards the SMA. There are two two basic things. One, I'm working with you and your client. Two, with SMA as a BlackRock as a third party added to it. I don't have direct exposure to those people. Or if I have questions or whatever, I'll still go through you guys. Right? So I would rather stick to you guys and work with you. So SM is definitely out. Active, you will yes. It does offer potential, but I think it comes at very high cost with the active, if I'm not wrong. The active right now, what is the cost increasing cost? Oh, so I'm now let's just talk about that grid on page number eight. If you have the document open in front of you, I can ask you a direct question from there. Yep. Yeah. Page eight, where it shows a fee structure table between the current and active. And what I want to understand is even if it is active, it is still with OQ. Right? It does not we're just changing the structure of investments from passive to active, right? But it's still Okview, not Blackhawk, correct? Okay. Okay. Okay. So what is my risk exposure if I'm with back BlackRock? What I'm what I don't understand is for 100% of my money that is invested with you guys through Hub twenty four, What is my risk exposure with BlackRock? That is what I don't understand because the risks that I mentioned here, right, like market risk, manager risk, liquidity risk, manager risk is one that I'm concerned about. Excuse me. Transition risk, well, the money could fit in cash for a little while. That is what I understand. Operational risk. Yeah. So operational risk is something between since it is between Oakview and BlackRock and it's, let's say, once every quarter that the team meets and discusses all SMA accounts with them. What is my risk exposure? Am I going in a very high growth kind of a thing with because in the yeah. 70 eight 21. Okay. Okay. Okay. So basically, with BlackRock, with with an SMA type of an account, I will just call it type of an account. Right? It is still a type of an account with you guys. Yeah. Isn't it? So if if if SMA is involved, what I see is the exposure is pretty much it is actually even better because right now, the current is at an eightytwenty split. This will be a 70 eighttwenty two or 70 ninetwenty one split with the SMA. With the current, we are set to a that is how I started with you guys. I was set on a yearly update. However, it can be changed over the period. I understand that it can be changed to a quarterly. However, SMA will do it actively even without me being involved. Isn't it? Okay. Yeah. Yeah. Okay. So what I understand is current versus SMA, in the current, if we go through a quarterly update and we decide, oh, we got to sell these investments and reinvest that money into something else, the time that these investments were held and when they're sold, then there is a short term capital gain tax or some kind of taxation involved. So there'll be some costs for me on my account, isn't it? Exactly. And because we're changing that regularly. But if it is an SMA and I hold a so every time I'm buying a certain set of SMA units at some rate that is there in the market and internally, it is just like a mutual fund, isn't it? Where we are investing all our funds in and they're the ones deciding how much they're exposing to active versus defensive kind of things and they decide which equities to invest and ETFs to invest in and things like that, right? Right. So, okay. So my exposure to taxation or cost on my super is low because I'll be just buying certain units of that estimate, and they're doing everything internally for buying and selling. So I do not have that. I'm abstracted or protected from all those taxation and all those issues or costs on my super. Yeah. Fund. Yeah. Okay. And when we talk about the SMA, the current allocation, right, 78% versus 21%, The 78% is in passive and exposure to active is 21%, correct, if I understand you, the other one? Yeah. Okay. The lower is different. Okay. Okay. And with the SMA, what kind of a fund am I going to be investing in? Is there a name, a particular name or product that BlackRock has that I buy units of or something? Yes. Yes. I do. Do you want me to open that? It was a very long document, and I'm like, you know what? This is a standard looks like a standard PDF document. Yeah. Mhmm. Okay. So okay. Oh, oh, I see this. I'm on page number seven. Remember, actually, related to fees and costs. Hold on. I'm going to page number six. Okay. So I have 24 managed portfolio service, original annual fees. It's just too much to read. However okay. So I see on page number seven, example, evergreen growth portfolio. That's what I see. Okay. And oh, yeah. Yeah. Eight. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. So Evergreen and Bloom are the recommended products that you guys you guys I think that's what's coming across to me. Clearly, there are four products, but you're recommending two of those. Yep. Yep. Alright. So if if I go with SMA and you're recommending Evergreen and Bloom, is that 80% goes into Evergreen and 20% in Bloom or the other way or half of my money goes to Evergreen, which has an exposure internally eightytwenty and half of my money goes into Bloom with a high growth of portfolio and it has its own exposure of eighty-twenty or seventy-thirty or whatever. Okay. And where are you reading this? On the PDF, is it? Okay. Okay. Because are you reading this somewhere else? Because I don't see this. This is not in the document, right, what you're saying? Okay. Okay. Okay. Yes. Okay. I understand. I understand what you're coming from, where you're coming from about it. Okay. So okay. See, frankly, what is your recommendation? I mean, I can take a call, but then, you know, you understand this space better than us, and we are your customers or clients because we need that advice as well. Alright? So with this, if I'm on the comparison sheet for page 12 for the SMA, I look at the current SMA active and passive, definitely having lower cost is a big, big plus on a super, isn't it? So what is your recommendation? What would have you done if you were if this was your super? Yep. Yep. Mhmm. Mhmm. Yeah. Yeah. Yeah. Exactly. And that's what I'm a little see, BlackRock is a very big BlackRock, Vanguard, they're really big players in the market. Right? So I'm sure they'll definitely. Definitely. They will do they they definitely do that, but then I'm a very small player individually. So if something screws up for them, it is a loss. They'll write it off and they'll build it over the years because it's an organization. For me, I'm an individual. I really take the hit. So that's where I'm more concerned about. I do understand. Quarterly review is sorry? Mhmm. Mhmm. Yes. Okay. Okay. I understand. So if I were to invest in BlackRock Evergreen, I can do that outside of the Hub twenty four as well? Okay. Now I understand where this is coming. All of this is coming from. So it's a product internally worked in collaboration with BlackRock. Okay. And we are we are kind of so how long has this SME been alive for? Okay. And as as it went live, it is already selling at these high numbers, $185 a unit or something. Like, I see it on page number eight or nine wherever wherever I was. Yep. Mhmm. You're right. Okay. So, okay. To summarize, and I don't I don't want to hold you back for a long time now. It's probably quarter to six in Brisbane, isn't it? Yeah. So to conclude, I understand now what you're talking about SMA. However, the active and passive are still managed completely by OQ. Right? There's no BlackRock there. Okay. Yeah. Yep. Yep. Okay. Okay. Okay. Alright. So yeah. Yeah. Tell me. Yep. Yep. So okay. I I I'm I'm trying to get to this as quick as possible, but do you please bear with me. I went through the statements and I see a lot of tax being deducted. It's always for the money that is being invested in or sold and then we buy something else in place of that. Right? Mhmm. Exactly. For every transaction, there'll be some tax going forward. Right? Mhmm. Right. Okay. So that's what I wanted to understand. Capital gains, gain taxes, hidden cost or hidden expenditure, you know. Alright. So that means okay. And if I go with an SMA, do I have a choice to roll back from an SMA if I don't like something? Okay. Okay. So does that mean we're going to take a hit on selling Benelon and then moving into SMA if I choose to go with an SMA? Mhmm. Yeah. Okay. Alright. I understand. Then along is definitely as of thirty first twelve showing a loss of $3,000 but there's nothing else that is showing a loss of loss of any amount. Alright. Okay. I think moving to the SMA probably makes sense. I see that you're kind of recommending that not saying it though, but you're kind of hinting towards an SMA is a better option to go with because it gets reviewed every quarter instead of we reviewing it once a year. And if there's a review quarterly, then we have to go through a lot of advice preparation again. I have to be involved, lot of signing this and that probably. A lot of admin work. Yeah. Right. And if I go through the passive, where are the investments going to be? Just the way they are right now, or are we moving to something some other product? Okay. Alright. That definitely puts me in a spot between the passive and the SMA. Yep. Yeah. I would prob yeah. That's a good option. I'll probably try and through the week, spend some time tonight also to go through the PDF and understand a little more. But I am I am leading towards the SMA because of a quarterly review. It's a better review to have and preempt some moves than suffer a loss. And, I mean, I I feel this SMA is a little more proactive than reactive. And the active and passive and the current are more reactive because that's like a yearly thing that we do. Right? A review and then go through that admin work if we need any changes. Yeah. Yeah. Alright. Right. So, alright. So with the SMA, I'm leading towards the SMA. Last few questions. All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever. So you're recommending the Blue and the Evergreen. What is the investment size from your side in this? Because you said this is an OQUE and a BlackRock collaboration. It's an initiative by OQUE. So do you still call it assets under management, if it makes sense, if I'm I'm asking the right question, how much money is invested in these since their inception? Yeah. Okay. So it's really, really fresh. Yeah. Okay. Okay. So it's it's pretty fresh, pretty new. And if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year. Are these projections or are these returns that have been received in the last few years? Alright. Okay. Okay. Okay. Yeah. Alright. I have all the information I need currently before I have more questions, but I think I'll go through the PDF sorry, the PDF document for the managed portfolio option profiles, grow balanced, evergreen growth portfolio, Bloom and Catalyst. Okay. And you are recommending 60% is going to be in evergreen and 40 is going to be in Bloom. Right? Other way around. Okay. Oh, okay. So 60 is going to be in a high growth. That means high risk. Does it not mean high growth is high risk? Okay. Alright. And I I can't make I can't make a choice between the other two. Right? These are all predecided, Evergreen and Bloom, or do I have a choice to call out now I want Evergreen and let's say, for example, Catalyst, All Growth or something of that sort? I mean, can I choose those, or these are recommended by you only? That's why it's yeah. Yeah. Mhmm. Okay. Got it. Alright. Cool. Sorry. You were saying something? Now I understand. So basically, the Bloom and Evergreen are the ones that stay in the middle of the road, do not go too far on either side. Right. Got it. Okay. Okay. Cool. I'll have a read between the two products, Evergreen and Bloom, and then probably I'll probably reply to this email itself what my decision is, if that's alright. Alright. Cool. Before I let you go, I was going through my statements for the last year. There's one withdrawal that shows in the month of March 2025. Can you just tell me what withdrawal is that for and what is that withdrawal? Because the number the dollar value is 3,000 something 84 or something. If you don't mind going to the 8,000,000. Because it just says withdrawal. It does not say anything else. And I pulled in a document for the last year, twenty four to twenty five financial year, and it shows a withdrawal in the month of March. Twenty four twenty four twenty four twenty four twenty five, January, February, and there you go, March. When was that? So the amount is 3,000 something, and I'm not sure why was there a withdrawal in that month. I thought I'm on Hump '24 yesterday. It does not. And that's that's the reason why I'm a little confused why the see, it's it's on the super contributions. Right? So you will see contributions, and you'll see a rollout on the nineteenth of some month in '24 and or rollover, whatever it is called. Then you'll see concessional, concessional, concessional, concessional, and a withdrawal in the middle. So it just stands out in my face, you know, when it does that. I don't remember what screen I was on, unfortunately. I'll try and log in. Was that my fourth year deduction by you guys where you get your fees or something? Okay. So that is towards my insurance, 3,084, is it? So just within a year, it has gone from 3,084 to 4,700. No. No. Sorry. So the 4,700 that I received the quote for recently, after which we decide to make bring it down, but that 4,700 was after the 15% discount? Insurance details. I'm logged into HUB24. Member has no insurance cover, it says. Oh, okay. Right. And now what have we reduced our recent thing to? The recent quote? Yep. Correct. And these are the ones that after we brought the yeah. The the yeah. Yeah. Got it. Got it. Got it. Okay. Okay. So I I I don't remember where did I see that on the hub 24 where it keeps gives me basically a deposit history and withdrawals on my super. You know? I don't know what is it called. Yeah. Yep. Yep. Yep. Okay. Yeah. Yep. Okay. So now I just want to find out where where do I find my deposit history for the concessional, All of these super the contributions that are going to my super from my salary and everything. Yep. The deposit history does not show me anything. I mean, the deposits and withdrawal section on the account, you know, in half twenty four. And cash statement, yes, it will show me, but deposit history from inception, no matter what I select, date requested, and I click search, it says no records to display. And Yep. Okay. So account report has many sections. Performance report, valuation reports, fee reports, income expense, tax reports. Transaction reports. Yep. I see it. Yep. Oh, yep. Now I can see it's from inception, and I can just export it, and I can get everything in one place. Okay. I've been struggling with this to find where my deposits are. Okay. So what was the what was the screen where I was looking at rollover concessional? It was in the second column from the left and withdrawal. That's what I don't remember. I'll probably go through it once again. It wasn't cash deposits because or cash statement because it gave me only what went in and out from the super, not where the money was then invested. Manage property, these statements, gain loss by security, not that one. Which one? In the cashier one? Yeah. Probably in statement. I'm not sure if it was in statement. See, because in the cash statement, it gives me everything. I clearly remember line after line, only deposits made from Shell Energy to the super rollover. Only three types of transactions were there, concessional or concession, whatever it is called, because that's what the super deposit is, rollover and withdrawal. That those are the only three types of transactions there. Don't worry. I'll find it. I'll probably go through it, and I'll I need to use it a little more often to understand where I where I was yesterday, last night to go through all of this for this call today. I was just preparing for the call today. Yeah. Yeah. Okay. As of now, at least I have the report that you suggested, and it's a good way to go through. So I have to go to account reports and halfway or a little more through the screen, I should see in the transaction reports, deposits, and withdrawals. Okay. Okay. And the income expense reports, do they really show real details? Real income versus I mean, you know what I mean? Okay. No problem, mate. No problem. Alright. Cool. Thanks for being patient. I appreciate you giving me the time. It's past six, isn't it, for you? Yeah. Yeah. Alright. I appreciate that, mate. I'll probably let you go now. I'll go through the documents. Give me a couple of days, and I'll probably respond back. I'm I'm leaning towards the estimate, frankly. Yeah. So, yeah, I'll just go through the docs and then come back. Yes. And you are sending me another document to sign again. Right? Yep. No problem. No problem. I'll keep an eye on my email for any of the Odoo sign document. Right? Alright. Thank you, Kyle. Yeah. You do, mate. Cheers. Have a good one. 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Good afternoon, mate. Not bad. How are you? Yep.\n\nWe can do that. I'll go through the document. Yeah. Yep. Shruti Shivrankar.\n\nDate of birth is sixteen July nineteen seventy nine, and address is 12 Catanami, East, Caroline Springs, Victoria 3023. What document? Sorry. I just had the PDF and a document that talks about the types of different accounts or something. Yeah.\n\nWho who does that come through? Is it DocuSign or something that I can search for? O d double o o two. Okay. O two sign.\n\nYeah. Yeah. Yeah. I do remember that, but I get the context. I'm trying to search in my emails.\n\nIf I've received this email from o d o o. Right? O d o o. I don't think I have. Oh, okay.\n\nOh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you. I have that email. Interesting. Okay. Tell me again.\n\nYep. Yes. I have. What I don't understand is is this something that is coming up for everyone? So is it something that I have to give you a decision and Meenal will also have to give her a decision once her account is all stabilized and finalized.\n\nNo. No. No. Sorry. I I I sorry.\n\nSorry, Carl, to interrupt you. I I understand I understand these things. However, I'm trying to understand. My question is to to do more to do with the fact that is OQ making this a policy arrangement for all customers, or is this just catered to me by your side from from you? Okay.\n\nYep. Okay. Okay. I understand now. I'm I'm I'm going to assume for the sake of conversation that these are options that you've kind of sent only to me for now, and this is some kind of a strategy that you are proposing for me.\n\nIs that correct? Okay. Yep. Okay. Okay.\n\nSo right now, in the comparison, it shows my current is on what is it called? In the table, it just says current, but I don't know if I'm on the core or choice because I after that, I did visit the Hub 24 app. I logged in and tried to figure out more, you know, managed funds there. And there are a lot many managed funds, but all of them came up with the same names, you know, active, high growth, etcetera, etcetera. So what am I currently on?\n\nWhat is my current standing as? Is it active, high growth? What what does it stand? Where does India? Uh-huh.\n\nYep. Yep. Yep. But that is the only active portfolio on my portfolio, right? Because everything else is all ETFs.\n\nI keep seeing there are a lot of gold, battery, technology, banking, all those ETFs that are invested in, correct? Okay. So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it? Apart from the Benelon. Exactly.\n\nOkay. Alright. So, yeah, so in all of this, what was what do you what do you recommend as an option? Because I lean over to passive. I would rather have consistent growth than explosive growth and high risk or exposure to sudden downfalls.\n\nYou know what I mean? So, yeah, I would rather stay in the middle than on any side of the road, frankly. Mhmm. Yeah. Yeah.\n\nYep. I'm definitely not leaning towards the active. I'm not definitely not leaning towards the active, but what's the other one? Active and then And then and then the passage. Yeah.\n\nYeah. Okay. Okay. So from the SMI perspective, you said there are BlackRock people sitting shoulder to shoulder with you, and then you guys work together on a strategy. Is that what you said?\n\nDid you just say earlier? Mhmm. Okay. Okay. So I'm definitely not leaning towards the SMA.\n\nThere are two two basic things. One, I'm working with you and your client. Two, with SMA as a BlackRock as a third party added to it. I don't have direct exposure to those people. Or if I have questions or whatever, I'll still go through you guys.\n\nRight? So I would rather stick to you guys and work with you. So SM is definitely out. Active, you will yes. It does offer potential, but I think it comes at very high cost with the active, if I'm not wrong.\n\nThe active right now, what is the cost increasing cost? Oh, so I'm now let's just talk about that grid on page number eight. If you have the document open in front of you, I can ask you a direct question from there. Yep. Yeah.\n\nPage eight, where it shows a fee structure table between the current and active. And what I want to understand is even if it is active, it is still with OQ. Right? It does not we're just changing the structure of investments from passive to active, right? But it's still Okview, not Blackhawk, correct?\n\nOkay. Okay. Okay. So what is my risk exposure if I'm with back BlackRock? What I'm what I don't understand is for 100% of my money that is invested with you guys through Hub twenty four, What is my risk exposure with BlackRock?\n\nThat is what I don't understand because the risks that I mentioned here, right, like market risk, manager risk, liquidity risk, manager risk is one that I'm concerned about. Excuse me. Transition risk, well, the money could fit in cash for a little while. That is what I understand. Operational risk.\n\nYeah. So operational risk is something between since it is between Oakview and BlackRock and it's, let's say, once every quarter that the team meets and discusses all SMA accounts with them. What is my risk exposure? Am I going in a very high growth kind of a thing with because in the yeah. 70 eight 21.\n\nOkay. Okay. Okay. So basically, with BlackRock, with with an SMA type of an account, I will just call it type of an account. Right?\n\nIt is still a type of an account with you guys. Yeah. Isn't it? So if if if SMA is involved, what I see is the exposure is pretty much it is actually even better because right now, the current is at an eightytwenty split. This will be a 70 eighttwenty two or 70 ninetwenty one split with the SMA.\n\nWith the current, we are set to a that is how I started with you guys. I was set on a yearly update. However, it can be changed over the period. I understand that it can be changed to a quarterly. However, SMA will do it actively even without me being involved.\n\nIsn't it? Okay. Yeah. Yeah. Okay.\n\nSo what I understand is current versus SMA, in the current, if we go through a quarterly update and we decide, oh, we got to sell these investments and reinvest that money into something else, the time that these investments were held and when they're sold, then there is a short term capital gain tax or some kind of taxation involved. So there'll be some costs for me on my account, isn't it? Exactly. And because we're changing that regularly. But if it is an SMA and I hold a so every time I'm buying a certain set of SMA units at some rate that is there in the market and internally, it is just like a mutual fund, isn't it?\n\nWhere we are investing all our funds in and they're the ones deciding how much they're exposing to active versus defensive kind of things and they decide which equities to invest and ETFs to invest in and things like that, right? Right. So, okay. So my exposure to taxation or cost on my super is low because I'll be just buying certain units of that estimate, and they're doing everything internally for buying and selling. So I do not have that.\n\nI'm abstracted or protected from all those taxation and all those issues or costs on my super. Yeah. Fund. Yeah. Okay.\n\nAnd when we talk about the SMA, the current allocation, right, 78% versus 21%, The 78% is in passive and exposure to active is 21%, correct, if I understand you, the other one? Yeah. Okay. The lower is different. Okay.\n\nOkay. And with the SMA, what kind of a fund am I going to be investing in? Is there a name, a particular name or product that BlackRock has that I buy units of or something? Yes. Yes.\n\nI do. Do you want me to open that? It was a very long document, and I'm like, you know what? This is a standard looks like a standard PDF document. Yeah.\n\nMhmm. Okay. So okay. Oh, oh, I see this. I'm on page number seven.\n\nRemember, actually, related to fees and costs. Hold on. I'm going to page number six. Okay. So I have 24 managed portfolio service, original annual fees.\n\nIt's just too much to read. However okay. So I see on page number seven, example, evergreen growth portfolio. That's what I see. Okay.\n\nAnd oh, yeah. Yeah. Eight. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Okay. So Evergreen and Bloom are the recommended products that you guys you guys I think that's what's coming across to me.\n\nClearly, there are four products, but you're recommending two of those. Yep. Yep. Alright. So if if I go with SMA and you're recommending Evergreen and Bloom, is that 80% goes into Evergreen and 20% in Bloom or the other way or half of my money goes to Evergreen, which has an exposure internally eightytwenty and half of my money goes into Bloom with a high growth of portfolio and it has its own exposure of eighty-twenty or seventy-thirty or whatever.\n\nOkay. And where are you reading this? On the PDF, is it? Okay. Okay.\n\nBecause are you reading this somewhere else? Because I don't see this. This is not in the document, right, what you're saying? Okay. Okay.\n\nOkay. Yes. Okay. I understand. I understand what you're coming from, where you're coming from about it.\n\nOkay. So okay. See, frankly, what is your recommendation? I mean, I can take a call, but then, you know, you understand this space better than us, and we are your customers or clients because we need that advice as well. Alright?\n\nSo with this, if I'm on the comparison sheet for page 12 for the SMA, I look at the current SMA active and passive, definitely having lower cost is a big, big plus on a super, isn't it? So what is your recommendation? What would have you done if you were if this was your super? Yep. Yep.\n\nMhmm. Mhmm. Yeah. Yeah. Yeah.\n\nExactly. And that's what I'm a little see, BlackRock is a very big BlackRock, Vanguard, they're really big players in the market. Right? So I'm sure they'll definitely. Definitely.\n\nThey will do they they definitely do that, but then I'm a very small player individually. So if something screws up for them, it is a loss. They'll write it off and they'll build it over the years because it's an organization. For me, I'm an individual. I really take the hit.\n\nSo that's where I'm more concerned about. I do understand. Quarterly review is sorry? Mhmm. Mhmm.\n\nYes. Okay. Okay. I understand. So if I were to invest in BlackRock Evergreen, I can do that outside of the Hub twenty four as well?\n\nOkay. Now I understand where this is coming. All of this is coming from. So it's a product internally worked in collaboration with BlackRock. Okay.\n\nAnd we are we are kind of so how long has this SME been alive for? Okay. And as as it went live, it is already selling at these high numbers, $185 a unit or something. Like, I see it on page number eight or nine wherever wherever I was. Yep.\n\nMhmm. You're right. Okay. So, okay. To summarize, and I don't I don't want to hold you back for a long time now.\n\nIt's probably quarter to six in Brisbane, isn't it? Yeah. So to conclude, I understand now what you're talking about SMA. However, the active and passive are still managed completely by OQ. Right?\n\nThere's no BlackRock there. Okay. Yeah. Yep. Yep.\n\nOkay. Okay. Okay. Alright. So yeah.\n\nYeah. Tell me. Yep. Yep. So okay.\n\nI I I'm I'm trying to get to this as quick as possible, but do you please bear with me. I went through the statements and I see a lot of tax being deducted. It's always for the money that is being invested in or sold and then we buy something else in place of that. Right? Mhmm.\n\nExactly. For every transaction, there'll be some tax going forward. Right? Mhmm. Right.\n\nOkay. So that's what I wanted to understand. Capital gains, gain taxes, hidden cost or hidden expenditure, you know. Alright. So that means okay.\n\nAnd if I go with an SMA, do I have a choice to roll back from an SMA if I don't like something? Okay. Okay. So does that mean we're going to take a hit on selling Benelon and then moving into SMA if I choose to go with an SMA? Mhmm.\n\nYeah. Okay. Alright. I understand. Then along is definitely as of thirty first twelve showing a loss of $3,000 but there's nothing else that is showing a loss of loss of any amount.\n\nAlright. Okay. I think moving to the SMA probably makes sense. I see that you're kind of recommending that not saying it though, but you're kind of hinting towards an SMA is a better option to go with because it gets reviewed every quarter instead of we reviewing it once a year. And if there's a review quarterly, then we have to go through a lot of advice preparation again.\n\nI have to be involved, lot of signing this and that probably. A lot of admin work. Yeah. Right. And if I go through the passive, where are the investments going to be?\n\nJust the way they are right now, or are we moving to something some other product? Okay. Alright. That definitely puts me in a spot between the passive and the SMA. Yep.\n\nYeah. I would prob yeah. That's a good option. I'll probably try and through the week, spend some time tonight also to go through the PDF and understand a little more. But I am I am leading towards the SMA because of a quarterly review.\n\nIt's a better review to have and preempt some moves than suffer a loss. And, I mean, I I feel this SMA is a little more proactive than reactive. And the active and passive and the current are more reactive because that's like a yearly thing that we do. Right? A review and then go through that admin work if we need any changes.\n\nYeah. Yeah. Alright. Right. So, alright.\n\nSo with the SMA, I'm leading towards the SMA. Last few questions. All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever. So you're recommending the Blue and the Evergreen. What is the investment size from your side in this?\n\nBecause you said this is an OQUE and a BlackRock collaboration. It's an initiative by OQUE. So do you still call it assets under management, if it makes sense, if I'm I'm asking the right question, how much money is invested in these since their inception? Yeah. Okay.\n\nSo it's really, really fresh. Yeah. Okay. Okay. So it's it's pretty fresh, pretty new.\n\nAnd if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year. Are these projections or are these returns that have been received in the last few years? Alright. Okay. Okay.\n\nOkay. Yeah. Alright. I have all the information I need currently before I have more questions, but I think I'll go through the PDF sorry, the PDF document for the managed portfolio option profiles, grow balanced, evergreen growth portfolio, Bloom and Catalyst. Okay.\n\nAnd you are recommending 60% is going to be in evergreen and 40 is going to be in Bloom. Right? Other way around. Okay. Oh, okay.\n\nSo 60 is going to be in a high growth. That means high risk. Does it not mean high growth is high risk? Okay. Alright.\n\nAnd I I can't make I can't make a choice between the other two. Right? These are all predecided, Evergreen and Bloom, or do I have a choice to call out now I want Evergreen and let's say, for example, Catalyst, All Growth or something of that sort? I mean, can I choose those, or these are recommended by you only? That's why it's yeah.\n\nYeah. Mhmm. Okay. Got it. Alright.\n\nCool. Sorry. You were saying something? Now I understand. So basically, the Bloom and Evergreen are the ones that stay in the middle of the road, do not go too far on either side.\n\nRight. Got it. Okay. Okay. Cool.\n\nI'll have a read between the two products, Evergreen and Bloom, and then probably I'll probably reply to this email itself what my decision is, if that's alright. Alright. Cool. Before I let you go, I was going through my statements for the last year. There's one withdrawal that shows in the month of March 2025.\n\nCan you just tell me what withdrawal is that for and what is that withdrawal? Because the number the dollar value is 3,000 something 84 or something. If you don't mind going to the 8,000,000. Because it just says withdrawal. It does not say anything else.\n\nAnd I pulled in a document for the last year, twenty four to twenty five financial year, and it shows a withdrawal in the month of March. Twenty four twenty four twenty four twenty four twenty five, January, February, and there you go, March. When was that? So the amount is 3,000 something, and I'm not sure why was there a withdrawal in that month. I thought I'm on Hump '24 yesterday.\n\nIt does not. And that's that's the reason why I'm a little confused why the see, it's it's on the super contributions. Right? So you will see contributions, and you'll see a rollout on the nineteenth of some month in '24 and or rollover, whatever it is called. Then you'll see concessional, concessional, concessional, concessional, and a withdrawal in the middle.\n\nSo it just stands out in my face, you know, when it does that. I don't remember what screen I was on, unfortunately. I'll try and log in. Was that my fourth year deduction by you guys where you get your fees or something? Okay.\n\nSo that is towards my insurance, 3,084, is it? So just within a year, it has gone from 3,084 to 4,700. No. No. Sorry.\n\nSo the 4,700 that I received the quote for recently, after which we decide to make bring it down, but that 4,700 was after the 15% discount? Insurance details. I'm logged into HUB24. Member has no insurance cover, it says. Oh, okay.\n\nRight. And now what have we reduced our recent thing to? The recent quote? Yep. Correct.\n\nAnd these are the ones that after we brought the yeah. The the yeah. Yeah. Got it. Got it.\n\nGot it. Okay. Okay. So I I I don't remember where did I see that on the hub 24 where it keeps gives me basically a deposit history and withdrawals on my super. You know?\n\nI don't know what is it called. Yeah. Yep. Yep. Yep.\n\nOkay. Yeah. Yep. Okay. So now I just want to find out where where do I find my deposit history for the concessional, All of these super the contributions that are going to my super from my salary and everything.\n\nYep. The deposit history does not show me anything. I mean, the deposits and withdrawal section on the account, you know, in half twenty four. And cash statement, yes, it will show me, but deposit history from inception, no matter what I select, date requested, and I click search, it says no records to display. And Yep.\n\nOkay. So account report has many sections. Performance report, valuation reports, fee reports, income expense, tax reports. Transaction reports. Yep.\n\nI see it. Yep. Oh, yep. Now I can see it's from inception, and I can just export it, and I can get everything in one place. Okay.\n\nI've been struggling with this to find where my deposits are. Okay. So what was the what was the screen where I was looking at rollover concessional? It was in the second column from the left and withdrawal. That's what I don't remember.\n\nI'll probably go through it once again. It wasn't cash deposits because or cash statement because it gave me only what went in and out from the super, not where the money was then invested. Manage property, these statements, gain loss by security, not that one. Which one? In the cashier one?\n\nYeah. Probably in statement. I'm not sure if it was in statement. See, because in the cash statement, it gives me everything. I clearly remember line after line, only deposits made from Shell Energy to the super rollover.\n\nOnly three types of transactions were there, concessional or concession, whatever it is called, because that's what the super deposit is, rollover and withdrawal. That those are the only three types of transactions there. Don't worry. I'll find it. I'll probably go through it, and I'll I need to use it a little more often to understand where I where I was yesterday, last night to go through all of this for this call today.\n\nI was just preparing for the call today. Yeah. Yeah. Okay. As of now, at least I have the report that you suggested, and it's a good way to go through.\n\nSo I have to go to account reports and halfway or a little more through the screen, I should see in the transaction reports, deposits, and withdrawals. Okay. Okay. And the income expense reports, do they really show real details? Real income versus I mean, you know what I mean?\n\nOkay. No problem, mate. No problem. Alright. Cool.\n\nThanks for being patient. I appreciate you giving me the time. It's past six, isn't it, for you? Yeah. Yeah.\n\nAlright. I appreciate that, mate. I'll probably let you go now. I'll go through the documents. Give me a couple of days, and I'll probably respond back.\n\nI'm I'm leaning towards the estimate, frankly. Yeah. So, yeah, I'll just go through the docs and then come back. Yes. And you are sending me another document to sign again.\n\nRight? Yep. No problem. No problem. I'll keep an eye on my email for any of the Odoo sign document.\n\nRight? Alright. Thank you, Kyle. Yeah. You do, mate.\n\nCheers. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.049283526837825775},{"text":"Good afternoon, mate.","start":7.6,"end":8.74,"sentiment":"positive","sentiment_score":0.34951359033584595},{"text":"Not bad.","start":8.88,"end":9.36,"sentiment":"positive","sentiment_score":0.4063701182603836},{"text":"How are you?","start":9.36,"end":10.099999,"sentiment":"neutral","sentiment_score":0.27538009484608966},{"text":"Yep.","start":18.225,"end":18.725,"sentiment":"neutral","sentiment_score":0.23518364131450653}],"sentiment":"neutral","sentiment_score":0.29718884602189066,"num_words":10,"start":2.32,"end":18.725},{"sentences":[{"text":"We can do that.","start":18.865,"end":19.585,"sentiment":"neutral","sentiment_score":0.3129768669605255},{"text":"I'll go through the document.","start":19.585,"end":20.725,"sentiment":"neutral","sentiment_score":0.263924178481102},{"text":"Yeah.","start":21.025,"end":21.525,"sentiment":"positive","sentiment_score":0.3459548354148865},{"text":"Yep.","start":28.74,"end":29.24,"sentiment":"neutral","sentiment_score":0.16410477459430697},{"text":"Shruti Shivrankar.","start":29.54,"end":30.44,"sentiment":"neutral","sentiment_score":0.10948600247502327}],"sentiment":"neutral","sentiment_score":0.25388922886206555,"num_words":13,"start":18.865,"end":30.44},{"sentences":[{"text":"Date of birth is sixteen July nineteen seventy nine, and address is 12 Catanami, East, Caroline Springs, Victoria 3023.","start":30.5,"end":36.6,"sentiment":"neutral","sentiment_score":0.0765525263391043},{"text":"What document?","start":64.8,"end":65.6,"sentiment":"neutral","sentiment_score":-0.04563581943511963},{"text":"Sorry.","start":65.6,"end":66.1,"sentiment":"neutral","sentiment_score":-0.1693151891231537},{"text":"I just had the PDF and a document that talks about the types of different accounts or something.","start":66.16,"end":71.695,"sentiment":"neutral","sentiment_score":-0.11846677793396844},{"text":"Yeah.","start":81.355,"end":81.855,"sentiment":"neutral","sentiment_score":-0.05061830580234528}],"sentiment":"neutral","sentiment_score":-0.024124613077175325,"num_words":41,"start":30.5,"end":81.855},{"sentences":[{"text":"Who who does that come through?","start":84.57001,"end":86.33,"sentiment":"neutral","sentiment_score":-0.07732151510814826},{"text":"Is it DocuSign or something that I can search for?","start":86.33,"end":89.79,"sentiment":"neutral","sentiment_score":-0.034700872004032136},{"text":"O d double o o two.","start":93.21001,"end":95.775,"sentiment":"neutral","sentiment_score":-0.027731578486661117},{"text":"Okay.","start":95.775,"end":96.275,"sentiment":"neutral","sentiment_score":-0.021472441032528877},{"text":"O two sign.","start":98.335,"end":99.315,"sentiment":"neutral","sentiment_score":-0.0470639206469059}],"sentiment":"neutral","sentiment_score":-0.043845826330093235,"num_words":26,"start":84.57001,"end":99.315},{"sentences":[{"text":"Yeah.","start":103.615,"end":104.115,"sentiment":"neutral","sentiment_score":-0.013665388338267803},{"text":"Yeah.","start":105.135,"end":105.455,"sentiment":"neutral","sentiment_score":-0.004240664653480053},{"text":"Yeah.","start":105.455,"end":105.615005,"sentiment":"neutral","sentiment_score":-0.010043609887361526},{"text":"I do remember that, but I get the context.","start":105.615005,"end":108.495,"sentiment":"neutral","sentiment_score":-0.048307850336035095},{"text":"I'm trying to search in my emails.","start":108.495,"end":110.275,"sentiment":"neutral","sentiment_score":-0.038935549557209015}],"sentiment":"neutral","sentiment_score":-0.03869837698967833,"num_words":19,"start":103.615,"end":110.275},{"sentences":[{"text":"If I've received this email from o d o o.","start":111.12,"end":115.44,"sentiment":"neutral","sentiment_score":-0.02166468817740679},{"text":"Right?","start":115.44,"end":115.94,"sentiment":"neutral","sentiment_score":-0.017241481691598892},{"text":"O d o o.","start":117.68,"end":118.8,"sentiment":"neutral","sentiment_score":-0.08780339732766151},{"text":"I don't think I have.","start":118.8,"end":120.82,"sentiment":"neutral","sentiment_score":-0.2578538030385971},{"text":"Oh, okay.","start":136.11,"end":137.56999,"sentiment":"neutral","sentiment_score":-0.09851475059986115}],"sentiment":"neutral","sentiment_score":-0.09415456678041002,"num_words":22,"start":111.12,"end":137.56999},{"sentences":[{"text":"Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you.","start":154.315,"end":164.795,"sentiment":"neutral","sentiment_score":0.05473117382886509},{"text":"I have that email.","start":164.795,"end":165.855,"sentiment":"neutral","sentiment_score":0.031391129828989506},{"text":"Interesting.","start":168.65,"end":169.12999,"sentiment":"neutral","sentiment_score":0.116517536342144},{"text":"Okay.","start":169.12999,"end":169.53,"sentiment":"neutral","sentiment_score":0.07050177454948425},{"text":"Tell me again.","start":169.53,"end":170.40999,"sentiment":"neutral","sentiment_score":0.03986282522479693}],"sentiment":"neutral","sentiment_score":0.052900620538628464,"num_words":33,"start":154.315,"end":170.40999},{"sentences":[{"text":"Yep.","start":170.40999,"end":170.90999,"sentiment":"neutral","sentiment_score":0.12228743731975555},{"text":"Yes.","start":198.37,"end":198.77,"sentiment":"neutral","sentiment_score":0.04549109935760498},{"text":"I have.","start":198.77,"end":199.51,"sentiment":"neutral","sentiment_score":0.03445105254650116},{"text":"What I don't understand is is this something that is coming up for everyone?","start":200.37,"end":204.55,"sentiment":"neutral","sentiment_score":-0.23600152188113757},{"text":"So is it something that I have to give you a decision and Meenal will also have to give her a decision once her account is all stabilized and finalized.","start":204.69,"end":213.795,"sentiment":"neutral","sentiment_score":-0.041502089829494555}],"sentiment":"neutral","sentiment_score":-0.08984173665521666,"num_words":48,"start":170.40999,"end":213.795},{"sentences":[{"text":"No.","start":232.9,"end":233.06,"sentiment":"negative","sentiment_score":-0.34194716811180115},{"text":"No.","start":233.06,"end":233.14,"sentiment":"negative","sentiment_score":-0.4236869812011719},{"text":"No.","start":233.14,"end":233.45999,"sentiment":"neutral","sentiment_score":-0.3122814893722534},{"text":"Sorry.","start":233.45999,"end":233.95999,"sentiment":"neutral","sentiment_score":-0.2182231843471527},{"text":"I I I sorry.","start":234.98,"end":236.34,"sentiment":"neutral","sentiment_score":-0.16278022155165672}],"sentiment":"neutral","sentiment_score":-0.24340746365487576,"num_words":8,"start":232.9,"end":236.34},{"sentences":[{"text":"Sorry, Carl, to interrupt you.","start":236.34,"end":237.86,"sentiment":"neutral","sentiment_score":-0.17996851801872255},{"text":"I I understand I understand these things.","start":237.86,"end":239.955,"sentiment":"neutral","sentiment_score":-0.06237017256872995},{"text":"However, I'm trying to understand.","start":240.115,"end":241.655,"sentiment":"neutral","sentiment_score":-0.04433211460709572},{"text":"My question is to to do more to do with the fact that is OQ making this a policy arrangement for all customers, or is this just catered to me by your side from from you?","start":242.195,"end":255.21,"sentiment":"neutral","sentiment_score":0.01829635165631771},{"text":"Okay.","start":266.33002,"end":266.83002,"sentiment":"neutral","sentiment_score":0.10406003147363664}],"sentiment":"neutral","sentiment_score":-0.014728994074243086,"num_words":54,"start":236.34,"end":266.83002},{"sentences":[{"text":"Yep.","start":281.315,"end":281.815,"sentiment":"neutral","sentiment_score":0.0010934248566627502},{"text":"Okay.","start":288.63,"end":289.13,"sentiment":"neutral","sentiment_score":0.05687309056520462},{"text":"Okay.","start":304.565,"end":305.045,"sentiment":"neutral","sentiment_score":0.05922484025359154},{"text":"I understand now.","start":305.045,"end":306.265,"sentiment":"neutral","sentiment_score":0.04327621186772982},{"text":"I'm I'm I'm going to assume for the sake of conversation that these are options that you've kind of sent only to me for now, and this is some kind of a strategy that you are proposing for me.","start":308.085,"end":319.96,"sentiment":"neutral","sentiment_score":0.02670107538310381}],"sentiment":"neutral","sentiment_score":0.02863026513821549,"num_words":45,"start":281.315,"end":319.96},{"sentences":[{"text":"Is that correct?","start":319.96,"end":320.86,"sentiment":"neutral","sentiment_score":0.0966968114177386},{"text":"Okay.","start":343.69,"end":344.19,"sentiment":"neutral","sentiment_score":0.22448021173477173},{"text":"Yep.","start":361.165,"end":361.665,"sentiment":"neutral","sentiment_score":0.2781462073326111},{"text":"Okay.","start":372.27,"end":372.77,"sentiment":"neutral","sentiment_score":0.2593821883201599},{"text":"Okay.","start":394.875,"end":395.31,"sentiment":"neutral","sentiment_score":0.08816832304000854}],"sentiment":"neutral","sentiment_score":0.16289533781153814,"num_words":7,"start":319.96,"end":395.31},{"sentences":[{"text":"So right now, in the comparison, it shows my current is on what is it called?","start":395.55,"end":403.41,"sentiment":"neutral","sentiment_score":0.053786102565936744},{"text":"In the table, it just says current, but I don't know if I'm on the core or choice because I after that, I did visit the Hub 24 app.","start":403.71,"end":411.555,"sentiment":"neutral","sentiment_score":-0.042681943817899144},{"text":"I logged in and tried to figure out more, you know, managed funds there.","start":411.555,"end":416.435,"sentiment":"neutral","sentiment_score":-0.00527624852423157},{"text":"And there are a lot many managed funds, but all of them came up with the same names, you know, active, high growth, etcetera, etcetera.","start":416.435,"end":427.16998,"sentiment":"neutral","sentiment_score":0.013224008679389953},{"text":"So what am I currently on?","start":428.03,"end":432.53,"sentiment":"neutral","sentiment_score":-0.0112636915097634}],"sentiment":"neutral","sentiment_score":-0.0020894237897462315,"num_words":90,"start":395.55,"end":432.53},{"sentences":[{"text":"What is my current standing as?","start":433.46997,"end":435.49,"sentiment":"neutral","sentiment_score":-0.04540509171783924},{"text":"Is it active, high growth?","start":435.55,"end":436.99,"sentiment":"neutral","sentiment_score":0.03886694461107254},{"text":"What what does it stand?","start":436.99,"end":438.11,"sentiment":"neutral","sentiment_score":-0.10573517382144929},{"text":"Where does India?","start":438.11,"end":439.09,"sentiment":"neutral","sentiment_score":-0.1374462122718493},{"text":"Uh-huh.","start":482.66998,"end":483.16998,"sentiment":"positive","sentiment_score":0.4083667397499085}],"sentiment":"neutral","sentiment_score":-0.030537179671227932,"num_words":20,"start":433.46997,"end":483.16998},{"sentences":[{"text":"Yep.","start":488.59,"end":489.09,"sentiment":"positive","sentiment_score":0.4043133854866028},{"text":"Yep.","start":566.54004,"end":566.94,"sentiment":"neutral","sentiment_score":-0.16386577486991882},{"text":"Yep.","start":566.94,"end":567.44,"sentiment":"neutral","sentiment_score":-0.05677023530006409},{"text":"But that is the only active portfolio on my portfolio, right?","start":567.98004,"end":572.06,"sentiment":"neutral","sentiment_score":-0.11951256814328107},{"text":"Because everything else is all ETFs.","start":572.06,"end":574.4,"sentiment":"neutral","sentiment_score":-0.06012039942046007}],"sentiment":"neutral","sentiment_score":-0.07458416353911161,"num_words":20,"start":488.59,"end":574.4},{"sentences":[{"text":"I keep seeing there are a lot of gold, battery, technology, banking, all those ETFs that are invested in, correct?","start":575.74005,"end":585.265,"sentiment":"neutral","sentiment_score":0.1721672849729657},{"text":"Okay.","start":591.08997,"end":591.41,"sentiment":"neutral","sentiment_score":0.137116476893425},{"text":"So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it?","start":591.41,"end":607.485,"sentiment":"neutral","sentiment_score":0.05526111992757495},{"text":"Apart from the Benelon.","start":609.945,"end":611.08496,"sentiment":"neutral","sentiment_score":0.02517195651307702},{"text":"Exactly.","start":611.225,"end":611.725,"sentiment":"neutral","sentiment_score":0.07042142748832703}],"sentiment":"neutral","sentiment_score":0.0898101096555813,"num_words":67,"start":575.74005,"end":611.725},{"sentences":[{"text":"Okay.","start":612.185,"end":612.505,"sentiment":"neutral","sentiment_score":0.08831083029508591},{"text":"Alright.","start":612.505,"end":613.005,"sentiment":"neutral","sentiment_score":0.11768084764480592},{"text":"So, yeah, so in all of this, what was what do you what do you recommend as an option?","start":613.385,"end":621.79,"sentiment":"neutral","sentiment_score":0.05679562060456527},{"text":"Because I lean over to passive.","start":621.79,"end":623.73,"sentiment":"neutral","sentiment_score":0.0037379122028748193},{"text":"I would rather have consistent growth than explosive growth and high risk or exposure to sudden downfalls.","start":624.19,"end":633.715,"sentiment":"neutral","sentiment_score":-0.055301301619585824}],"sentiment":"neutral","sentiment_score":0.008350313979793678,"num_words":44,"start":612.185,"end":633.715},{"sentences":[{"text":"You know what I mean?","start":633.775,"end":634.995,"sentiment":"neutral","sentiment_score":0.0029024377465248106},{"text":"So, yeah, I would rather stay in the middle than on any side of the road, frankly.","start":636.575,"end":640.835,"sentiment":"neutral","sentiment_score":0.1501551857765983},{"text":"Mhmm.","start":655.91003,"end":656.41003,"sentiment":"neutral","sentiment_score":0.14701557159423828},{"text":"Yeah.","start":682.20996,"end":682.70996,"sentiment":"neutral","sentiment_score":0.05539145693182945},{"text":"Yeah.","start":717.08,"end":717.32,"sentiment":"neutral","sentiment_score":0.08112308382987976}],"sentiment":"neutral","sentiment_score":0.11402721837162971,"num_words":25,"start":633.775,"end":717.32},{"sentences":[{"text":"Yep.","start":717.32,"end":717.82,"sentiment":"neutral","sentiment_score":0.07572497427463531},{"text":"I'm definitely not leaning towards the active.","start":717.96,"end":720.565,"sentiment":"neutral","sentiment_score":-0.2128631089414869},{"text":"I'm not definitely not leaning towards the active, but what's the other one?","start":725.265,"end":730.945,"sentiment":"neutral","sentiment_score":-0.06864595646038651},{"text":"Active and then And then and then the passage.","start":730.945,"end":736.42004,"sentiment":"neutral","sentiment_score":0.016506021428439353},{"text":"Yeah.","start":736.48004,"end":736.96,"sentiment":"neutral","sentiment_score":0.08856245875358582}],"sentiment":"neutral","sentiment_score":-0.06676121195778251,"num_words":31,"start":717.32,"end":736.96},{"sentences":[{"text":"Yeah.","start":736.96,"end":737.2,"sentiment":"neutral","sentiment_score":0.10663935542106628},{"text":"Okay.","start":737.2,"end":737.7,"sentiment":"neutral","sentiment_score":0.1263696700334549},{"text":"Okay.","start":755.425,"end":755.925,"sentiment":"neutral","sentiment_score":0.06605805456638336},{"text":"So from the SMI perspective, you said there are BlackRock people sitting shoulder to shoulder with you, and then you guys work together on a strategy.","start":756.22504,"end":765.72003,"sentiment":"neutral","sentiment_score":0.08897451039117116},{"text":"Is that what you said?","start":765.78,"end":766.9,"sentiment":"neutral","sentiment_score":0.03965049982070923}],"sentiment":"neutral","sentiment_score":0.08266637792043827,"num_words":34,"start":736.96,"end":766.9},{"sentences":[{"text":"Did you just say earlier?","start":766.9,"end":768.44,"sentiment":"neutral","sentiment_score":0.011974538490176202},{"text":"Mhmm.","start":777.565,"end":778.065,"sentiment":"neutral","sentiment_score":0.03603237122297287},{"text":"Okay.","start":804.585,"end":805.085,"sentiment":"neutral","sentiment_score":0.05380326509475708},{"text":"Okay.","start":807.065,"end":807.565,"sentiment":"neutral","sentiment_score":-0.02597171813249588},{"text":"So I'm definitely not leaning towards the SMA.","start":807.625,"end":810.285,"sentiment":"neutral","sentiment_score":-0.28875684179365635}],"sentiment":"neutral","sentiment_score":-0.13664488273207098,"num_words":16,"start":766.9,"end":810.285},{"sentences":[{"text":"There are two two basic things.","start":812.425,"end":814.105,"sentiment":"neutral","sentiment_score":-0.021455456192294758},{"text":"One, I'm working with you and your client.","start":814.105,"end":817.53,"sentiment":"neutral","sentiment_score":0.043236976489424706},{"text":"Two, with SMA as a BlackRock as a third party added to it.","start":819.29004,"end":823.23004,"sentiment":"neutral","sentiment_score":0.017745731255182855},{"text":"I don't have direct exposure to those people.","start":825.53,"end":827.79004,"sentiment":"neutral","sentiment_score":-0.1571695301681757},{"text":"Or if I have questions or whatever, I'll still go through you guys.","start":828.25,"end":831.37006,"sentiment":"neutral","sentiment_score":-0.025779798841820314}],"sentiment":"neutral","sentiment_score":-0.023846584275209654,"num_words":48,"start":812.425,"end":831.37006},{"sentences":[{"text":"Right?","start":831.37006,"end":831.735,"sentiment":"neutral","sentiment_score":-0.03372516483068466},{"text":"So I would rather stick to you guys and work with you.","start":831.975,"end":834.695,"sentiment":"neutral","sentiment_score":0.2633166213830312},{"text":"So SM is definitely out.","start":834.695,"end":836.315,"sentiment":"neutral","sentiment_score":0.22624432742595674},{"text":"Active, you will yes.","start":839.175,"end":840.535,"sentiment":"neutral","sentiment_score":0.1110494639724493},{"text":"It does offer potential, but I think it comes at very high cost with the active, if I'm not wrong.","start":840.535,"end":850.02997,"sentiment":"neutral","sentiment_score":-0.20067467615008355}],"sentiment":"neutral","sentiment_score":0.016380958613895234,"num_words":42,"start":831.37006,"end":850.02997},{"sentences":[{"text":"The active right now, what is the cost increasing cost?","start":851.13,"end":856.27,"sentiment":"neutral","sentiment_score":-0.22549122869968413},{"text":"Oh, so I'm now let's just talk about that grid on page number eight.","start":856.33,"end":861.525,"sentiment":"neutral","sentiment_score":0.01288547380162137},{"text":"If you have the document open in front of you, I can ask you a direct question from there.","start":862.325,"end":866.745,"sentiment":"neutral","sentiment_score":0.04653714499191234},{"text":"Yep.","start":872.645,"end":873.145,"sentiment":"neutral","sentiment_score":0.05576178431510925},{"text":"Yeah.","start":873.205,"end":873.525,"sentiment":"neutral","sentiment_score":0.056961629539728165}],"sentiment":"neutral","sentiment_score":-0.023946366334954897,"num_words":45,"start":851.13,"end":873.525},{"sentences":[{"text":"Page eight, where it shows a fee structure table between the current and active.","start":873.525,"end":879.79,"sentiment":"neutral","sentiment_score":0.03199888539633581},{"text":"And what I want to understand is even if it is active, it is still with OQ.","start":881.29,"end":885.69,"sentiment":"neutral","sentiment_score":-0.009249473757603589},{"text":"Right?","start":885.69,"end":886.08997,"sentiment":"neutral","sentiment_score":-0.015222679823637009},{"text":"It does not we're just changing the structure of investments from passive to active, right?","start":886.08997,"end":892.76495,"sentiment":"neutral","sentiment_score":-0.07242054467399915},{"text":"But it's still Okview, not Blackhawk, correct?","start":892.76495,"end":895.02496,"sentiment":"neutral","sentiment_score":-0.0429799309266465}],"sentiment":"neutral","sentiment_score":-0.020586056013902027,"num_words":54,"start":873.525,"end":895.02496},{"sentences":[{"text":"Okay.","start":939.35,"end":939.85,"sentiment":"neutral","sentiment_score":-0.006308590993285179},{"text":"Okay.","start":966.3,"end":966.8,"sentiment":"neutral","sentiment_score":0.11975006759166718},{"text":"Okay.","start":975.95496,"end":976.355,"sentiment":"neutral","sentiment_score":0.027812348678708076},{"text":"So what is my risk exposure if I'm with back BlackRock?","start":976.355,"end":979.735,"sentiment":"neutral","sentiment_score":-0.07772719589146701},{"text":"What I'm what I don't understand is for 100% of my money that is invested with you guys through Hub twenty four, What is my risk exposure with BlackRock?","start":980.435,"end":992.97,"sentiment":"neutral","sentiment_score":-0.18676418014641466}],"sentiment":"neutral","sentiment_score":-0.14255596636686213,"num_words":43,"start":939.35,"end":992.97},{"sentences":[{"text":"That is what I don't understand because the risks that I mentioned here, right, like market risk, manager risk, liquidity risk, manager risk is one that I'm concerned about.","start":993.11,"end":1002.25,"sentiment":"neutral","sentiment_score":-0.3123981639229018},{"text":"Excuse me.","start":1009.17505,"end":1009.575,"sentiment":"neutral","sentiment_score":-0.08605235815048218},{"text":"Transition risk, well, the money could fit in cash for a little while.","start":1009.575,"end":1013.09503,"sentiment":"neutral","sentiment_score":-0.13363633419458681},{"text":"That is what I understand.","start":1013.09503,"end":1014.23505,"sentiment":"neutral","sentiment_score":-0.08979135006666183},{"text":"Operational risk.","start":1014.695,"end":1015.73505,"sentiment":"neutral","sentiment_score":-0.08092300221323967}],"sentiment":"neutral","sentiment_score":-0.22705346214420655,"num_words":51,"start":993.11,"end":1015.73505},{"sentences":[{"text":"Yeah.","start":1015.73505,"end":1015.97504,"sentiment":"neutral","sentiment_score":-0.048377104103565216},{"text":"So operational risk is something between since it is between Oakview and BlackRock and it's, let's say, once every quarter that the team meets and discusses all SMA accounts with them.","start":1015.97504,"end":1028.29,"sentiment":"neutral","sentiment_score":-0.041631537699891676},{"text":"What is my risk exposure?","start":1029.87,"end":1031.25,"sentiment":"neutral","sentiment_score":-0.07871142476797104},{"text":"Am I going in a very high growth kind of a thing with because in the yeah.","start":1032.005,"end":1038.355,"sentiment":"neutral","sentiment_score":-0.15165357642314015},{"text":"70 eight 21.","start":1055.1001,"end":1056.8,"sentiment":"neutral","sentiment_score":-0.04339520384867986}],"sentiment":"neutral","sentiment_score":-0.07790891767332428,"num_words":57,"start":1015.73505,"end":1056.8},{"sentences":[{"text":"Okay.","start":1123.285,"end":1123.785,"sentiment":"neutral","sentiment_score":-0.1637987196445465},{"text":"Okay.","start":1134.3501,"end":1134.8501,"sentiment":"neutral","sentiment_score":-0.06817831844091415},{"text":"Okay.","start":1141.4049,"end":1141.8049,"sentiment":"neutral","sentiment_score":0.02598513849079609},{"text":"So basically, with BlackRock, with with an SMA type of an account, I will just call it type of an account.","start":1141.8049,"end":1149.085,"sentiment":"neutral","sentiment_score":0.031859925016760826},{"text":"Right?","start":1149.085,"end":1149.325,"sentiment":"neutral","sentiment_score":0.04681435599923134}],"sentiment":"neutral","sentiment_score":0.020395235270261765,"num_words":25,"start":1123.285,"end":1149.325},{"sentences":[{"text":"It is still a type of an account with you guys.","start":1149.325,"end":1151.52,"sentiment":"neutral","sentiment_score":0.06174663386561654},{"text":"Yeah.","start":1153.36,"end":1153.4401,"sentiment":"neutral","sentiment_score":0.1204969733953476},{"text":"Isn't it?","start":1153.4401,"end":1154.0801,"sentiment":"neutral","sentiment_score":0.020964477211236954},{"text":"So if if if SMA is involved, what I see is the exposure is pretty much it is actually even better because right now, the current is at an eightytwenty split.","start":1154.0801,"end":1166.015,"sentiment":"neutral","sentiment_score":-0.011562897192855035},{"text":"This will be a 70 eighttwenty two or 70 ninetwenty one split with the SMA.","start":1166.015,"end":1172.675,"sentiment":"neutral","sentiment_score":0.04480402544140816}],"sentiment":"neutral","sentiment_score":0.01925415781637033,"num_words":60,"start":1149.325,"end":1172.675},{"sentences":[{"text":"With the current, we are set to a that is how I started with you guys.","start":1173.855,"end":1181.39,"sentiment":"neutral","sentiment_score":0.07826909539289773},{"text":"I was set on a yearly update.","start":1181.39,"end":1183.65,"sentiment":"neutral","sentiment_score":0.052129335435373444},{"text":"However, it can be changed over the period.","start":1184.03,"end":1187.0701,"sentiment":"neutral","sentiment_score":0.016713468823581934},{"text":"I understand that it can be changed to a quarterly.","start":1187.0701,"end":1189.25,"sentiment":"neutral","sentiment_score":0.02333227414637804},{"text":"However, SMA will do it actively even without me being involved.","start":1189.9451,"end":1193.885,"sentiment":"neutral","sentiment_score":0.16681173274462874}],"sentiment":"neutral","sentiment_score":0.0734455851264871,"num_words":52,"start":1173.855,"end":1193.885},{"sentences":[{"text":"Isn't it?","start":1194.3451,"end":1195.245,"sentiment":"neutral","sentiment_score":0.07514442503452301},{"text":"Okay.","start":1196.185,"end":1196.685,"sentiment":"neutral","sentiment_score":0.05515952408313751},{"text":"Yeah.","start":1196.985,"end":1197.485,"sentiment":"neutral","sentiment_score":0.07365812361240387},{"text":"Yeah.","start":1205.86,"end":1206.36,"sentiment":"neutral","sentiment_score":-0.0510706752538681},{"text":"Okay.","start":1267.87,"end":1268.37,"sentiment":"neutral","sentiment_score":-0.01063380017876625}],"sentiment":"neutral","sentiment_score":0.036233670388658844,"num_words":6,"start":1194.3451,"end":1268.37},{"sentences":[{"text":"So what I understand is current versus SMA, in the current, if we go through a quarterly update and we decide, oh, we got to sell these investments and reinvest that money into something else, the time that these investments were held and when they're sold, then there is a short term capital gain tax or some kind of taxation involved.","start":1268.43,"end":1290.285,"sentiment":"neutral","sentiment_score":-0.19170279129118215},{"text":"So there'll be some costs for me on my account, isn't it?","start":1290.73,"end":1294.99,"sentiment":"neutral","sentiment_score":-0.21680879592895508},{"text":"Exactly.","start":1297.5299,"end":1298.0299,"sentiment":"neutral","sentiment_score":0.07437184453010559},{"text":"And because we're changing that regularly.","start":1298.09,"end":1299.87,"sentiment":"neutral","sentiment_score":-0.013550223161776861},{"text":"But if it is an SMA and I hold a so every time I'm buying a certain set of SMA units at some rate that is there in the market and internally, it is just like a mutual fund, isn't it?","start":1299.9299,"end":1314.855,"sentiment":"neutral","sentiment_score":-0.04544671706673575}],"sentiment":"neutral","sentiment_score":-0.1336018240833578,"num_words":121,"start":1268.43,"end":1314.855},{"sentences":[{"text":"Where we are investing all our funds in and they're the ones deciding how much they're exposing to active versus defensive kind of things and they decide which equities to invest and ETFs to invest in and things like that, right?","start":1314.855,"end":1331.41,"sentiment":"neutral","sentiment_score":0.03790553613770299},{"text":"Right.","start":1362.615,"end":1363.115,"sentiment":"neutral","sentiment_score":0.06117603182792664},{"text":"So, okay.","start":1363.415,"end":1365.255,"sentiment":"neutral","sentiment_score":0.1073014885187149},{"text":"So my exposure to taxation or cost on my super is low because I'll be just buying certain units of that estimate, and they're doing everything internally for buying and selling.","start":1365.255,"end":1377.62,"sentiment":"neutral","sentiment_score":0.13549609554390754},{"text":"So I do not have that.","start":1377.62,"end":1378.58,"sentiment":"neutral","sentiment_score":-0.027523114656408627}],"sentiment":"neutral","sentiment_score":0.07240921314115878,"num_words":81,"start":1314.855,"end":1378.58},{"sentences":[{"text":"I'm abstracted or protected from all those taxation and all those issues or costs on my super.","start":1378.58,"end":1383.72,"sentiment":"neutral","sentiment_score":-0.034195360891959244},{"text":"Yeah.","start":1391.255,"end":1391.755,"sentiment":"neutral","sentiment_score":0.009558124467730522},{"text":"Fund.","start":1397.335,"end":1397.835,"sentiment":"neutral","sentiment_score":0.007676711305975914},{"text":"Yeah.","start":1400.215,"end":1400.715,"sentiment":"neutral","sentiment_score":-0.05076644569635391},{"text":"Okay.","start":1422.705,"end":1423.205,"sentiment":"neutral","sentiment_score":0.035258494317531586}],"sentiment":"neutral","sentiment_score":-0.027599726227067765,"num_words":21,"start":1378.58,"end":1423.205},{"sentences":[{"text":"And when we talk about the SMA, the current allocation, right, 78% versus 21%, The 78% is in passive and exposure to active is 21%, correct, if I understand you, the other one?","start":1423.745,"end":1441.74,"sentiment":"neutral","sentiment_score":0.003205676612472444},{"text":"Yeah.","start":1451.2151,"end":1451.4551,"sentiment":"neutral","sentiment_score":0.024981845170259476},{"text":"Okay.","start":1451.4551,"end":1451.775,"sentiment":"neutral","sentiment_score":0.021528903394937515},{"text":"The lower is different.","start":1451.775,"end":1452.915,"sentiment":"neutral","sentiment_score":-0.011290543712675571},{"text":"Okay.","start":1475.0651,"end":1475.5651,"sentiment":"neutral","sentiment_score":0.05017534643411637}],"sentiment":"neutral","sentiment_score":0.003932781209005043,"num_words":40,"start":1423.745,"end":1475.5651},{"sentences":[{"text":"Okay.","start":1476.7451,"end":1477.145,"sentiment":"neutral","sentiment_score":0.032706499099731445},{"text":"And with the SMA, what kind of a fund am I going to be investing in?","start":1477.145,"end":1481.885,"sentiment":"neutral","sentiment_score":0.01874884171411395},{"text":"Is there a name, a particular name or product that BlackRock has that I buy units of or something?","start":1482.1051,"end":1495.8726,"sentiment":"neutral","sentiment_score":0.016752188682164017},{"text":"Yes.","start":1502.725,"end":1502.965,"sentiment":"neutral","sentiment_score":0.08569341152906418},{"text":"Yes.","start":1502.965,"end":1503.2849,"sentiment":"neutral","sentiment_score":0.08572199195623398}],"sentiment":"neutral","sentiment_score":0.021641972499262346,"num_words":38,"start":1476.7451,"end":1503.2849},{"sentences":[{"text":"I do.","start":1503.2849,"end":1504.085,"sentiment":"neutral","sentiment_score":0.086942158639431},{"text":"Do you want me to open that?","start":1504.085,"end":1505.0449,"sentiment":"neutral","sentiment_score":0.008813842864973205},{"text":"It was a very long document, and I'm like, you know what?","start":1505.0449,"end":1507.125,"sentiment":"neutral","sentiment_score":-0.10319188081969817},{"text":"This is a standard looks like a standard PDF document.","start":1507.125,"end":1511.465,"sentiment":"neutral","sentiment_score":-0.03011556137353182},{"text":"Yeah.","start":1511.6849,"end":1512.1849,"sentiment":"neutral","sentiment_score":0.018387531861662865}],"sentiment":"neutral","sentiment_score":-0.04017154482426122,"num_words":32,"start":1503.2849,"end":1512.1849},{"sentences":[{"text":"Mhmm.","start":1550.39,"end":1550.89,"sentiment":"neutral","sentiment_score":-0.04799190163612366},{"text":"Okay.","start":1569.5651,"end":1569.965,"sentiment":"neutral","sentiment_score":0.12025590240955351},{"text":"So okay.","start":1569.965,"end":1571.02,"sentiment":"neutral","sentiment_score":0.13572946190834045},{"text":"Oh, oh, I see this.","start":1571.02,"end":1572.44,"sentiment":"neutral","sentiment_score":0.06125693917274475},{"text":"I'm on page number seven.","start":1573.46,"end":1575.56,"sentiment":"neutral","sentiment_score":0.04100344702601433}],"sentiment":"neutral","sentiment_score":0.06107320397027901,"num_words":14,"start":1550.39,"end":1575.56},{"sentences":[{"text":"Remember, actually, related to fees and costs.","start":1576.98,"end":1579.22,"sentiment":"neutral","sentiment_score":0.010393993795982428},{"text":"Hold on.","start":1579.22,"end":1579.7,"sentiment":"neutral","sentiment_score":-0.0017639081925153732},{"text":"I'm going to page number six.","start":1579.7,"end":1580.9,"sentiment":"neutral","sentiment_score":0.012415368963653842},{"text":"Okay.","start":1580.9,"end":1581.4,"sentiment":"neutral","sentiment_score":0.030037138611078262},{"text":"So I have 24 managed portfolio service, original annual fees.","start":1581.46,"end":1586.6849,"sentiment":"neutral","sentiment_score":0.018192298524081708}],"sentiment":"neutral","sentiment_score":0.013680095300794793,"num_words":26,"start":1576.98,"end":1586.6849},{"sentences":[{"text":"It's just too much to read.","start":1587.3049,"end":1588.6649,"sentiment":"neutral","sentiment_score":-0.1250490223368009},{"text":"However okay.","start":1588.6649,"end":1590.0449,"sentiment":"neutral","sentiment_score":0.06652699410915375},{"text":"So I see on page number seven, example, evergreen growth portfolio.","start":1590.145,"end":1594.6849,"sentiment":"neutral","sentiment_score":0.09831231358376416},{"text":"That's what I see.","start":1595.225,"end":1596.2849,"sentiment":"neutral","sentiment_score":0.0715341791510582},{"text":"Okay.","start":1597.625,"end":1598.125,"sentiment":"neutral","sentiment_score":0.0973653495311737}],"sentiment":"neutral","sentiment_score":0.0353207237397631,"num_words":24,"start":1587.3049,"end":1598.125},{"sentences":[{"text":"And oh, yeah.","start":1598.4249,"end":1603.8,"sentiment":"neutral","sentiment_score":0.05557391420006752},{"text":"Yeah.","start":1603.8,"end":1604.3,"sentiment":"neutral","sentiment_score":0.04169335961341858},{"text":"Eight.","start":1605.72,"end":1606.22,"sentiment":"neutral","sentiment_score":0.036288000643253326},{"text":"Yeah.","start":1616.2451,"end":1616.7451,"sentiment":"neutral","sentiment_score":0.020484980195760727},{"text":"Yeah.","start":1631.2101,"end":1631.4501,"sentiment":"neutral","sentiment_score":0.058177318423986435}],"sentiment":"neutral","sentiment_score":0.04619505735380309,"num_words":7,"start":1598.4249,"end":1631.4501},{"sentences":[{"text":"Yeah.","start":1631.4501,"end":1631.9501,"sentiment":"neutral","sentiment_score":0.06736229360103607},{"text":"Yeah.","start":1632.1301,"end":1632.6301,"sentiment":"neutral","sentiment_score":0.07688266038894653},{"text":"Yeah.","start":1632.81,"end":1632.89,"sentiment":"neutral","sentiment_score":0.10376956313848495},{"text":"Okay.","start":1632.89,"end":1633.37,"sentiment":"neutral","sentiment_score":0.14591459929943085},{"text":"So Evergreen and Bloom are the recommended products that you guys you guys I think that's what's coming across to me.","start":1633.37,"end":1641.315,"sentiment":"neutral","sentiment_score":0.2275711028348832}],"sentiment":"neutral","sentiment_score":0.20691689103841782,"num_words":25,"start":1631.4501,"end":1641.315},{"sentences":[{"text":"Clearly, there are four products, but you're recommending two of those.","start":1641.715,"end":1645.0149,"sentiment":"neutral","sentiment_score":0.12213603203946893},{"text":"Yep.","start":1673.275,"end":1673.775,"sentiment":"neutral","sentiment_score":0.12297005206346512},{"text":"Yep.","start":1687.93,"end":1688.17,"sentiment":"neutral","sentiment_score":0.21732574701309204},{"text":"Alright.","start":1688.17,"end":1688.67,"sentiment":"neutral","sentiment_score":0.28136998414993286},{"text":"So if if I go with SMA and you're recommending Evergreen and Bloom, is that 80% goes into Evergreen and 20% in Bloom or the other way or half of my money goes to Evergreen, which has an exposure internally eightytwenty and half of my money goes into Bloom with a high growth of portfolio and it has its own exposure of eighty-twenty or seventy-thirty or whatever.","start":1688.81,"end":1712.94,"sentiment":"neutral","sentiment_score":0.18241435745313986}],"sentiment":"neutral","sentiment_score":0.17514721092618543,"num_words":81,"start":1641.715,"end":1712.94},{"sentences":[{"text":"Okay.","start":1723.505,"end":1723.7451,"sentiment":"neutral","sentiment_score":0.04752249643206597},{"text":"And where are you reading this?","start":1723.7451,"end":1725.2051,"sentiment":"neutral","sentiment_score":0.013502051743368307},{"text":"On the PDF, is it?","start":1725.7451,"end":1727.045,"sentiment":"neutral","sentiment_score":0.007224625907838345},{"text":"Okay.","start":1739.68,"end":1740.18,"sentiment":"neutral","sentiment_score":0.008053687401115894},{"text":"Okay.","start":1754.965,"end":1755.2849,"sentiment":"neutral","sentiment_score":-0.003737935796380043}],"sentiment":"neutral","sentiment_score":0.0120695491454431,"num_words":14,"start":1723.505,"end":1755.2849},{"sentences":[{"text":"Because are you reading this somewhere else?","start":1755.2849,"end":1756.965,"sentiment":"neutral","sentiment_score":-0.05036744635019984},{"text":"Because I don't see this.","start":1756.965,"end":1757.9249,"sentiment":"neutral","sentiment_score":-0.11848137825727463},{"text":"This is not in the document, right, what you're saying?","start":1757.9249,"end":1760.105,"sentiment":"neutral","sentiment_score":-0.11385501250624656},{"text":"Okay.","start":1761.2849,"end":1761.6849,"sentiment":"neutral","sentiment_score":-0.05569876730442047},{"text":"Okay.","start":1761.6849,"end":1762.0049,"sentiment":"neutral","sentiment_score":-0.022740468382835388}],"sentiment":"neutral","sentiment_score":-0.09008201568697889,"num_words":24,"start":1755.2849,"end":1762.0049},{"sentences":[{"text":"Okay.","start":1762.0049,"end":1762.5049,"sentiment":"neutral","sentiment_score":-0.013925613835453989},{"text":"Yes.","start":1762.6449,"end":1762.98,"sentiment":"neutral","sentiment_score":0.030387312173843384},{"text":"Okay.","start":1763.0599,"end":1763.22,"sentiment":"neutral","sentiment_score":0.02179598994553089},{"text":"I understand.","start":1763.22,"end":1763.96,"sentiment":"neutral","sentiment_score":0.019436612725257874},{"text":"I understand what you're coming from, where you're coming from about it.","start":1764.02,"end":1767.14,"sentiment":"neutral","sentiment_score":-0.031951252836734056}],"sentiment":"neutral","sentiment_score":-0.01801671295919839,"num_words":17,"start":1762.0049,"end":1767.14},{"sentences":[{"text":"Okay.","start":1767.14,"end":1767.64,"sentiment":"neutral","sentiment_score":0.04145938530564308},{"text":"So okay.","start":1767.78,"end":1769.08,"sentiment":"neutral","sentiment_score":0.04444904997944832},{"text":"See, frankly, what is your recommendation?","start":1769.22,"end":1773.48,"sentiment":"neutral","sentiment_score":0.047944658746322},{"text":"I mean, I can take a call, but then, you know, you understand this space better than us, and we are your customers or clients because we need that advice as well.","start":1774.02,"end":1789.2949,"sentiment":"neutral","sentiment_score":0.0874433412682265},{"text":"Alright?","start":1789.2949,"end":1789.7949,"sentiment":"neutral","sentiment_score":0.08733143657445908}],"sentiment":"neutral","sentiment_score":0.07865580464048046,"num_words":42,"start":1767.14,"end":1789.7949},{"sentences":[{"text":"So with this, if I'm on the comparison sheet for page 12 for the SMA, I look at the current SMA active and passive, definitely having lower cost is a big, big plus on a super, isn't it?","start":1789.8,"end":1810.545,"sentiment":"neutral","sentiment_score":0.24910665538750196},{"text":"So what is your recommendation?","start":1811.9651,"end":1813.905,"sentiment":"neutral","sentiment_score":0.1538364917039871},{"text":"What would have you done if you were if this was your super?","start":1814.045,"end":1817.92,"sentiment":"neutral","sentiment_score":0.12532257517943016},{"text":"Yep.","start":1832.625,"end":1833.125,"sentiment":"neutral","sentiment_score":0.28179317712783813},{"text":"Yep.","start":1843.025,"end":1843.525,"sentiment":"positive","sentiment_score":0.3349010646343231}],"sentiment":"neutral","sentiment_score":0.21519177728172006,"num_words":58,"start":1789.8,"end":1843.525},{"sentences":[{"text":"Mhmm.","start":1857.88,"end":1858.38,"sentiment":"neutral","sentiment_score":0.1683451682329178},{"text":"Mhmm.","start":1880.0599,"end":1880.5599,"sentiment":"neutral","sentiment_score":0.17035740613937378},{"text":"Yeah.","start":1888.235,"end":1888.735,"sentiment":"neutral","sentiment_score":0.18240943551063535},{"text":"Yeah.","start":1947.365,"end":1947.865,"sentiment":"neutral","sentiment_score":-0.051191963255405426},{"text":"Yeah.","start":1960.6799,"end":1960.9199,"sentiment":"neutral","sentiment_score":-0.029214991256594654}],"sentiment":"neutral","sentiment_score":0.08814101107418537,"num_words":5,"start":1857.88,"end":1960.9199},{"sentences":[{"text":"Exactly.","start":1960.9199,"end":1961.4199,"sentiment":"neutral","sentiment_score":-0.003891485510393977},{"text":"And that's what I'm a little see, BlackRock is a very big BlackRock, Vanguard, they're really big players in the market.","start":1961.72,"end":1969.4199,"sentiment":"neutral","sentiment_score":0.0074578394802908106},{"text":"Right?","start":1969.48,"end":1969.935,"sentiment":"neutral","sentiment_score":0.02631184458732605},{"text":"So I'm sure they'll definitely.","start":1971.055,"end":1974.1151,"sentiment":"neutral","sentiment_score":0.005389820784330368},{"text":"Definitely.","start":1974.3351,"end":1974.8351,"sentiment":"neutral","sentiment_score":0.0297263041138649}],"sentiment":"neutral","sentiment_score":0.008127944696501925,"num_words":29,"start":1960.9199,"end":1974.8351},{"sentences":[{"text":"They will do they they definitely do that, but then I'm a very small player individually.","start":1974.9751,"end":1982.515,"sentiment":"neutral","sentiment_score":-0.030530958203598857},{"text":"So if something screws up for them, it is a loss.","start":1982.895,"end":1987.07,"sentiment":"neutral","sentiment_score":-0.31561901623552496},{"text":"They'll write it off and they'll build it over the years because it's an organization.","start":1987.07,"end":1990.21,"sentiment":"neutral","sentiment_score":-0.15354604174693426},{"text":"For me, I'm an individual.","start":1990.35,"end":1991.65,"sentiment":"neutral","sentiment_score":-0.14516059458255767},{"text":"I really take the hit.","start":1992.03,"end":1993.33,"sentiment":"neutral","sentiment_score":-0.21390625834465027}],"sentiment":"neutral","sentiment_score":-0.1549774884747771,"num_words":52,"start":1974.9751,"end":1993.33},{"sentences":[{"text":"So that's where I'm more concerned about.","start":1993.47,"end":1996.395,"sentiment":"neutral","sentiment_score":-0.13006120707307542},{"text":"I do understand.","start":1996.9551,"end":1997.935,"sentiment":"neutral","sentiment_score":-0.032077337304751076},{"text":"Quarterly review is sorry?","start":1999.275,"end":2001.295,"sentiment":"neutral","sentiment_score":-0.044521513395011425},{"text":"Mhmm.","start":2007.275,"end":2007.775,"sentiment":"neutral","sentiment_score":0.006914149504154921},{"text":"Mhmm.","start":2018.6699,"end":2019.1699,"sentiment":"neutral","sentiment_score":0.010899858549237251}],"sentiment":"neutral","sentiment_score":-0.07293328168452717,"num_words":16,"start":1993.47,"end":2019.1699},{"sentences":[{"text":"Yes.","start":2033.7949,"end":2034.2949,"sentiment":"neutral","sentiment_score":0.12947846949100494},{"text":"Okay.","start":2035.1549,"end":2035.6549,"sentiment":"neutral","sentiment_score":0.13544440269470215},{"text":"Okay.","start":2036.355,"end":2036.6749,"sentiment":"neutral","sentiment_score":0.143153578042984},{"text":"I understand.","start":2036.6749,"end":2037.335,"sentiment":"neutral","sentiment_score":0.14455173164606094},{"text":"So if I were to invest in BlackRock Evergreen, I can do that outside of the Hub twenty four as well?","start":2038.0349,"end":2044.88,"sentiment":"neutral","sentiment_score":0.1061581266777856}],"sentiment":"neutral","sentiment_score":0.11255771437516579,"num_words":26,"start":2033.7949,"end":2044.88},{"sentences":[{"text":"Okay.","start":2076.01,"end":2076.4102,"sentiment":"neutral","sentiment_score":0.09268559515476228},{"text":"Now I understand where this is coming.","start":2076.4102,"end":2078.1702,"sentiment":"neutral","sentiment_score":0.06802009791135788},{"text":"All of this is coming from.","start":2078.1702,"end":2079.29,"sentiment":"neutral","sentiment_score":0.08470202485720317},{"text":"So it's a product internally worked in collaboration with BlackRock.","start":2079.29,"end":2083.55,"sentiment":"neutral","sentiment_score":0.12289179712533951},{"text":"Okay.","start":2083.61,"end":2084.055,"sentiment":"neutral","sentiment_score":0.03907286375761032}],"sentiment":"neutral","sentiment_score":0.09380117058753967,"num_words":25,"start":2076.01,"end":2084.055},{"sentences":[{"text":"And we are we are kind of so how long has this SME been alive for?","start":2084.135,"end":2089.115,"sentiment":"neutral","sentiment_score":0.017566708382219076},{"text":"Okay.","start":2097.7349,"end":2097.9749,"sentiment":"neutral","sentiment_score":0.1585855334997177},{"text":"And as as it went live, it is already selling at these high numbers, $185 a unit or something.","start":2097.9749,"end":2105.9202,"sentiment":"neutral","sentiment_score":0.30571191797130987},{"text":"Like, I see it on page number eight or nine wherever wherever I was.","start":2106.1401,"end":2110.08,"sentiment":"neutral","sentiment_score":0.17602681847555296},{"text":"Yep.","start":2110.78,"end":2111.28,"sentiment":"neutral","sentiment_score":0.1393253207206726}],"sentiment":"neutral","sentiment_score":0.1735662762440887,"num_words":51,"start":2084.135,"end":2111.28},{"sentences":[{"text":"Mhmm.","start":2140.78,"end":2141.28,"sentiment":"neutral","sentiment_score":0.017490874975919724},{"text":"You're right.","start":2141.5,"end":2142.24,"sentiment":"neutral","sentiment_score":-0.010629507713019848},{"text":"Okay.","start":2167.36,"end":2167.86,"sentiment":"neutral","sentiment_score":0.04414017125964165},{"text":"So, okay.","start":2168.96,"end":2169.6802,"sentiment":"neutral","sentiment_score":0.036258233711123466},{"text":"To summarize, and I don't I don't want to hold you back for a long time now.","start":2169.6802,"end":2172.72,"sentiment":"negative","sentiment_score":-0.35930887401542244}],"sentiment":"neutral","sentiment_score":-0.26066792869697447,"num_words":23,"start":2140.78,"end":2172.72},{"sentences":[{"text":"It's probably quarter to six in Brisbane, isn't it?","start":2172.72,"end":2176.4749,"sentiment":"neutral","sentiment_score":-0.1333677644530932},{"text":"Yeah.","start":2178.135,"end":2178.635,"sentiment":"neutral","sentiment_score":0.041364364326000214},{"text":"So to conclude, I understand now what you're talking about SMA.","start":2180.055,"end":2183.675,"sentiment":"neutral","sentiment_score":0.011259953681887551},{"text":"However, the active and passive are still managed completely by OQ.","start":2183.7349,"end":2187.175,"sentiment":"neutral","sentiment_score":0.035414030944759194},{"text":"Right?","start":2187.175,"end":2187.54,"sentiment":"neutral","sentiment_score":0.02088052034378052}],"sentiment":"neutral","sentiment_score":-0.018928823167119514,"num_words":33,"start":2172.72,"end":2187.54},{"sentences":[{"text":"There's no BlackRock there.","start":2187.62,"end":2193.57,"sentiment":"neutral","sentiment_score":-0.0553105128929019},{"text":"Okay.","start":2200.765,"end":2201.2449,"sentiment":"neutral","sentiment_score":0.06182404235005379},{"text":"Yeah.","start":2201.2449,"end":2201.7449,"sentiment":"neutral","sentiment_score":0.07226279377937317},{"text":"Yep.","start":2211.165,"end":2211.665,"sentiment":"neutral","sentiment_score":0.12476696819067},{"text":"Yep.","start":2213.2449,"end":2213.725,"sentiment":"neutral","sentiment_score":0.0949137806892395}],"sentiment":"neutral","sentiment_score":0.01656569167971611,"num_words":8,"start":2187.62,"end":2213.725},{"sentences":[{"text":"Okay.","start":2213.725,"end":2214.125,"sentiment":"neutral","sentiment_score":0.09982654452323914},{"text":"Okay.","start":2214.125,"end":2214.445,"sentiment":"neutral","sentiment_score":0.08709312975406647},{"text":"Okay.","start":2214.445,"end":2214.945,"sentiment":"neutral","sentiment_score":0.08757241070270538},{"text":"Alright.","start":2216.88,"end":2217.38,"sentiment":"neutral","sentiment_score":0.12219566106796265},{"text":"So yeah.","start":2217.44,"end":2226.095,"sentiment":"neutral","sentiment_score":0.05866008996963501}],"sentiment":"neutral","sentiment_score":0.0856679876645406,"num_words":6,"start":2213.725,"end":2226.095},{"sentences":[{"text":"Yeah.","start":2227.19,"end":2227.44,"sentiment":"neutral","sentiment_score":-0.0020375996828079224},{"text":"Tell me.","start":2227.44,"end":2228.18,"sentiment":"neutral","sentiment_score":-0.005967212840914726},{"text":"Yep.","start":2263.225,"end":2263.545,"sentiment":"neutral","sentiment_score":0.09133568406105042},{"text":"Yep.","start":2263.545,"end":2264.045,"sentiment":"neutral","sentiment_score":0.11519755423069},{"text":"So okay.","start":2264.105,"end":2265.005,"sentiment":"neutral","sentiment_score":0.17767245322465897}],"sentiment":"neutral","sentiment_score":0.07827230276806015,"num_words":7,"start":2227.19,"end":2265.005},{"sentences":[{"text":"I I I'm I'm trying to get to this as quick as possible, but do you please bear with me.","start":2265.625,"end":2273.22,"sentiment":"neutral","sentiment_score":0.0034878209931775927},{"text":"I went through the statements and I see a lot of tax being deducted.","start":2274.4,"end":2279.94,"sentiment":"neutral","sentiment_score":-0.18378146152411187},{"text":"It's always for the money that is being invested in or sold and then we buy something else in place of that.","start":2280.0,"end":2285.68,"sentiment":"neutral","sentiment_score":-0.008118113333528692},{"text":"Right?","start":2285.68,"end":2286.045,"sentiment":"neutral","sentiment_score":0.08028805255889893},{"text":"Mhmm.","start":2310.74,"end":2311.06,"sentiment":"neutral","sentiment_score":0.003288833424448967}],"sentiment":"neutral","sentiment_score":-0.04479664911772927,"num_words":58,"start":2265.625,"end":2311.06},{"sentences":[{"text":"Exactly.","start":2311.06,"end":2311.56,"sentiment":"neutral","sentiment_score":0.013711429201066494},{"text":"For every transaction, there'll be some tax going forward.","start":2311.62,"end":2314.775,"sentiment":"neutral","sentiment_score":-0.13711425993177626},{"text":"Right?","start":2318.035,"end":2318.535,"sentiment":"neutral","sentiment_score":-0.004688665270805359},{"text":"Mhmm.","start":2338.9,"end":2339.4,"sentiment":"neutral","sentiment_score":0.17540958523750305},{"text":"Right.","start":2365.6602,"end":2365.98,"sentiment":"neutral","sentiment_score":0.07061972469091415}],"sentiment":"neutral","sentiment_score":-0.07530586657902369,"num_words":13,"start":2311.06,"end":2365.98},{"sentences":[{"text":"Okay.","start":2365.98,"end":2366.3,"sentiment":"neutral","sentiment_score":-0.0016089193522930143},{"text":"So that's what I wanted to understand.","start":2366.3,"end":2368.0,"sentiment":"neutral","sentiment_score":0.040892310972724645},{"text":"Capital gains, gain taxes, hidden cost or hidden expenditure, you know.","start":2368.22,"end":2373.195,"sentiment":"neutral","sentiment_score":-0.034546354446898804},{"text":"Alright.","start":2374.155,"end":2374.655,"sentiment":"neutral","sentiment_score":0.21800991892814636},{"text":"So that means okay.","start":2375.0352,"end":2380.955,"sentiment":"neutral","sentiment_score":0.2792201563715935}],"sentiment":"neutral","sentiment_score":0.05164657928980887,"num_words":24,"start":2365.98,"end":2380.955},{"sentences":[{"text":"And if I go with an SMA, do I have a choice to roll back from an SMA if I don't like something?","start":2380.955,"end":2385.5352,"sentiment":"neutral","sentiment_score":-0.09583038415597833},{"text":"Okay.","start":2414.695,"end":2415.0952,"sentiment":"neutral","sentiment_score":-0.04633789509534836},{"text":"Okay.","start":2415.0952,"end":2415.495,"sentiment":"neutral","sentiment_score":-0.02335416153073311},{"text":"So does that mean we're going to take a hit on selling Benelon and then moving into SMA if I choose to go with an SMA?","start":2415.495,"end":2422.6,"sentiment":"neutral","sentiment_score":-0.19056209434683508},{"text":"Mhmm.","start":2465.1848,"end":2465.6848,"sentiment":"neutral","sentiment_score":0.0528414323925972}],"sentiment":"neutral","sentiment_score":-0.1379916137084365,"num_words":52,"start":2380.955,"end":2465.6848},{"sentences":[{"text":"Yeah.","start":2485.3901,"end":2485.79,"sentiment":"neutral","sentiment_score":-0.039468683302402496},{"text":"Okay.","start":2485.79,"end":2486.29,"sentiment":"neutral","sentiment_score":-0.027669165283441544},{"text":"Alright.","start":2486.885,"end":2487.285,"sentiment":"neutral","sentiment_score":-0.0007428949465975165},{"text":"I understand.","start":2487.285,"end":2488.025,"sentiment":"neutral","sentiment_score":-0.05010942183434963},{"text":"Then along is definitely as of thirty first twelve showing a loss of $3,000 but there's nothing else that is showing a loss of loss of any amount.","start":2490.165,"end":2500.16,"sentiment":"neutral","sentiment_score":-0.2612188665994576}],"sentiment":"neutral","sentiment_score":-0.22673417733290768,"num_words":33,"start":2485.3901,"end":2500.16},{"sentences":[{"text":"Alright.","start":2500.16,"end":2500.66,"sentiment":"neutral","sentiment_score":0.0872565507888794},{"text":"Okay.","start":2501.0398,"end":2501.5398,"sentiment":"neutral","sentiment_score":0.16708296537399292},{"text":"I think moving to the SMA probably makes sense.","start":2502.48,"end":2505.7598,"sentiment":"positive","sentiment_score":0.35719919204711914},{"text":"I see that you're kind of recommending that not saying it though, but you're kind of hinting towards an SMA is a better option to go with because it gets reviewed every quarter instead of we reviewing it once a year.","start":2505.7598,"end":2518.955,"sentiment":"neutral","sentiment_score":0.2641306007053794},{"text":"And if there's a review quarterly, then we have to go through a lot of advice preparation again.","start":2519.415,"end":2523.975,"sentiment":"neutral","sentiment_score":0.07857430188192262}],"sentiment":"neutral","sentiment_score":0.22446891867688723,"num_words":70,"start":2500.16,"end":2523.975},{"sentences":[{"text":"I have to be involved, lot of signing this and that probably.","start":2523.975,"end":2528.555,"sentiment":"neutral","sentiment_score":0.006312989629805088},{"text":"A lot of admin work.","start":2529.69,"end":2530.81,"sentiment":"neutral","sentiment_score":0.017868488281965255},{"text":"Yeah.","start":2530.81,"end":2531.31,"sentiment":"neutral","sentiment_score":0.08052583038806915},{"text":"Right.","start":2557.6301,"end":2557.87,"sentiment":"neutral","sentiment_score":0.15712518990039823},{"text":"And if I go through the passive, where are the investments going to be?","start":2557.87,"end":2561.33,"sentiment":"neutral","sentiment_score":0.010114237400037902}],"sentiment":"neutral","sentiment_score":0.01649541396534804,"num_words":33,"start":2523.975,"end":2561.33},{"sentences":[{"text":"Just the way they are right now, or are we moving to something some other product?","start":2561.55,"end":2565.97,"sentiment":"neutral","sentiment_score":-0.03793878527358174},{"text":"Okay.","start":2604.195,"end":2604.695,"sentiment":"neutral","sentiment_score":0.1461159586906433},{"text":"Alright.","start":2604.835,"end":2605.335,"sentiment":"neutral","sentiment_score":0.22869297862052915},{"text":"That definitely puts me in a spot between the passive and the SMA.","start":2607.39,"end":2611.49,"sentiment":"neutral","sentiment_score":0.2392344314318437},{"text":"Yep.","start":2611.7898,"end":2612.2898,"sentiment":"neutral","sentiment_score":0.3093309998512268}],"sentiment":"neutral","sentiment_score":0.0995989681687206,"num_words":32,"start":2561.55,"end":2612.2898},{"sentences":[{"text":"Yeah.","start":2634.5498,"end":2634.7898,"sentiment":"neutral","sentiment_score":0.1488335281610489},{"text":"I would prob yeah.","start":2634.7898,"end":2635.8298,"sentiment":"neutral","sentiment_score":0.20456814393401146},{"text":"That's a good option.","start":2635.8298,"end":2637.8499,"sentiment":"positive","sentiment_score":0.584483727812767},{"text":"I'll probably try and through the week, spend some time tonight also to go through the PDF and understand a little more.","start":2637.91,"end":2644.41,"sentiment":"neutral","sentiment_score":0.251839161596515},{"text":"But I am I am leading towards the SMA because of a quarterly review.","start":2646.47,"end":2652.385,"sentiment":"neutral","sentiment_score":0.12271765725953239}],"sentiment":"neutral","sentiment_score":0.23474555048677656,"num_words":45,"start":2634.5498,"end":2652.385},{"sentences":[{"text":"It's a better review to have and preempt some moves than suffer a loss.","start":2652.385,"end":2657.845,"sentiment":"neutral","sentiment_score":0.08913329749235085},{"text":"And, I mean, I I feel this SMA is a little more proactive than reactive.","start":2658.145,"end":2663.125,"sentiment":"neutral","sentiment_score":0.14015974899133046},{"text":"And the active and passive and the current are more reactive because that's like a yearly thing that we do.","start":2665.2,"end":2671.84,"sentiment":"neutral","sentiment_score":0.06196920592337847},{"text":"Right?","start":2671.84,"end":2672.16,"sentiment":"neutral","sentiment_score":0.07224332541227341},{"text":"A review and then go through that admin work if we need any changes.","start":2672.16,"end":2675.7,"sentiment":"neutral","sentiment_score":0.04996914163764034}],"sentiment":"neutral","sentiment_score":0.0837727785401512,"num_words":64,"start":2652.385,"end":2675.7},{"sentences":[{"text":"Yeah.","start":2685.375,"end":2685.875,"sentiment":"neutral","sentiment_score":-0.0028000399470329285},{"text":"Yeah.","start":2699.8398,"end":2700.3398,"sentiment":"neutral","sentiment_score":-0.1954823136329651},{"text":"Alright.","start":2703.995,"end":2704.495,"sentiment":"neutral","sentiment_score":-0.07223926484584808},{"text":"Right.","start":2722.7002,"end":2723.2002,"sentiment":"neutral","sentiment_score":0.09717606753110886},{"text":"So, alright.","start":2723.5,"end":2724.8,"sentiment":"neutral","sentiment_score":0.17025629431009293}],"sentiment":"neutral","sentiment_score":0.027861172954241436,"num_words":6,"start":2685.375,"end":2724.8},{"sentences":[{"text":"So with the SMA, I'm leading towards the SMA.","start":2724.86,"end":2727.6802,"sentiment":"neutral","sentiment_score":0.22068204316827986},{"text":"Last few questions.","start":2728.4602,"end":2729.52,"sentiment":"neutral","sentiment_score":0.0861215591430664},{"text":"All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever.","start":2730.5151,"end":2742.595,"sentiment":"neutral","sentiment_score":0.13451692146750596},{"text":"So you're recommending the Blue and the Evergreen.","start":2742.595,"end":2744.695,"sentiment":"positive","sentiment_score":0.3532821424305439},{"text":"What is the investment size from your side in this?","start":2747.09,"end":2750.2102,"sentiment":"neutral","sentiment_score":0.1047134354710579}],"sentiment":"neutral","sentiment_score":0.17170240211167506,"num_words":56,"start":2724.86,"end":2750.2102},{"sentences":[{"text":"Because you said this is an OQUE and a BlackRock collaboration.","start":2750.2102,"end":2753.51,"sentiment":"neutral","sentiment_score":0.19130191274664618},{"text":"It's an initiative by OQUE.","start":2754.29,"end":2755.99,"sentiment":"neutral","sentiment_score":0.2580336928367615},{"text":"So do you still call it assets under management, if it makes sense, if I'm I'm asking the right question, how much money is invested in these since their inception?","start":2756.4502,"end":2766.365,"sentiment":"neutral","sentiment_score":0.0786195864280065},{"text":"Yeah.","start":2772.665,"end":2773.11,"sentiment":"neutral","sentiment_score":-0.03274780139327049},{"text":"Okay.","start":2794.105,"end":2794.605,"sentiment":"neutral","sentiment_score":-0.09609679132699966}],"sentiment":"neutral","sentiment_score":0.1171715105107675,"num_words":48,"start":2750.2102,"end":2794.605},{"sentences":[{"text":"So it's really, really fresh.","start":2794.7449,"end":2796.525,"sentiment":"neutral","sentiment_score":-0.2152787148952484},{"text":"Yeah.","start":2797.065,"end":2797.565,"sentiment":"neutral","sentiment_score":-0.002248663455247879},{"text":"Okay.","start":2820.735,"end":2821.215,"sentiment":"neutral","sentiment_score":0.1464526653289795},{"text":"Okay.","start":2821.215,"end":2821.455,"sentiment":"neutral","sentiment_score":0.15100346505641937},{"text":"So it's it's pretty fresh, pretty new.","start":2821.455,"end":2823.7751,"sentiment":"neutral","sentiment_score":0.16880637726613454}],"sentiment":"neutral","sentiment_score":0.02669723555445671,"num_words":15,"start":2794.7449,"end":2823.7751},{"sentences":[{"text":"And if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year.","start":2823.7751,"end":2833.74,"sentiment":"neutral","sentiment_score":-0.017093374434372654},{"text":"Are these projections or are these returns that have been received in the last few years?","start":2833.74,"end":2838.96,"sentiment":"neutral","sentiment_score":-0.04377317917533219},{"text":"Alright.","start":2880.535,"end":2881.035,"sentiment":"neutral","sentiment_score":-0.008479580283164978},{"text":"Okay.","start":2881.095,"end":2881.59,"sentiment":"neutral","sentiment_score":0.011452727019786836},{"text":"Okay.","start":2891.35,"end":2891.85,"sentiment":"neutral","sentiment_score":-0.03681387007236481}],"sentiment":"neutral","sentiment_score":-0.026841885765038785,"num_words":42,"start":2823.7751,"end":2891.85},{"sentences":[{"text":"Okay.","start":2892.1501,"end":2892.6501,"sentiment":"neutral","sentiment_score":-0.022453034296631813},{"text":"Yeah.","start":2895.03,"end":2895.4302,"sentiment":"neutral","sentiment_score":-0.006633348762989044},{"text":"Alright.","start":2895.4302,"end":2895.9302,"sentiment":"neutral","sentiment_score":0.03794662281870842},{"text":"I have all the information I need currently before I have more questions, but I think I'll go through the PDF sorry, the PDF document for the managed portfolio option profiles, grow balanced, evergreen growth portfolio, Bloom and Catalyst.","start":2896.875,"end":2916.8198,"sentiment":"neutral","sentiment_score":0.05299589916681632},{"text":"Okay.","start":2916.8198,"end":2917.3198,"sentiment":"neutral","sentiment_score":0.036789510399103165}],"sentiment":"neutral","sentiment_score":0.04912767017823319,"num_words":43,"start":2892.1501,"end":2917.3198},{"sentences":[{"text":"And you are recommending 60% is going to be in evergreen and 40 is going to be in Bloom.","start":2917.38,"end":2922.66,"sentiment":"neutral","sentiment_score":0.062141326697249165},{"text":"Right?","start":2922.66,"end":2923.16,"sentiment":"neutral","sentiment_score":0.01935556158423424},{"text":"Other way around.","start":2924.9,"end":2925.88,"sentiment":"neutral","sentiment_score":0.00870426744222641},{"text":"Okay.","start":2926.0999,"end":2926.5999,"sentiment":"neutral","sentiment_score":0.012614000588655472},{"text":"Oh, okay.","start":2929.115,"end":2929.775,"sentiment":"neutral","sentiment_score":-0.01131550595164299}],"sentiment":"neutral","sentiment_score":0.04677448307092373,"num_words":26,"start":2917.38,"end":2929.775},{"sentences":[{"text":"So 60 is going to be in a high growth.","start":2933.835,"end":2936.075,"sentiment":"neutral","sentiment_score":-0.0979834407567978},{"text":"That means high risk.","start":2936.075,"end":2937.195,"sentiment":"neutral","sentiment_score":-0.22021377459168434},{"text":"Does it not mean high growth is high risk?","start":2937.195,"end":2939.13,"sentiment":"neutral","sentiment_score":-0.2328232063187493},{"text":"Okay.","start":3016.405,"end":3016.905,"sentiment":"neutral","sentiment_score":0.06204152852296829},{"text":"Alright.","start":3016.965,"end":3017.465,"sentiment":"neutral","sentiment_score":0.06388618797063828}],"sentiment":"neutral","sentiment_score":-0.1532068258523941,"num_words":25,"start":2933.835,"end":3017.465},{"sentences":[{"text":"And I I can't make I can't make a choice between the other two.","start":3018.085,"end":3021.7651,"sentiment":"neutral","sentiment_score":-0.08257170873028892},{"text":"Right?","start":3021.7651,"end":3022.14,"sentiment":"neutral","sentiment_score":0.010883012786507608},{"text":"These are all predecided, Evergreen and Bloom, or do I have a choice to call out now I want Evergreen and let's say, for example, Catalyst, All Growth or something of that sort?","start":3023.66,"end":3034.8599,"sentiment":"neutral","sentiment_score":0.05226633426817981},{"text":"I mean, can I choose those, or these are recommended by you only?","start":3034.8599,"end":3037.695,"sentiment":"neutral","sentiment_score":0.10190878292688957},{"text":"That's why it's yeah.","start":3038.0151,"end":3039.855,"sentiment":"neutral","sentiment_score":0.2025172971189022}],"sentiment":"neutral","sentiment_score":0.041762330583654916,"num_words":65,"start":3018.085,"end":3039.855},{"sentences":[{"text":"Yeah.","start":3039.855,"end":3040.355,"sentiment":"neutral","sentiment_score":0.07544097304344177},{"text":"Mhmm.","start":3049.7751,"end":3050.2751,"sentiment":"neutral","sentiment_score":-0.1860174536705017},{"text":"Okay.","start":3063.095,"end":3063.595,"sentiment":"neutral","sentiment_score":-0.09514855593442915},{"text":"Got it.","start":3092.565,"end":3093.205,"sentiment":"neutral","sentiment_score":0.1419721022248268},{"text":"Alright.","start":3093.205,"end":3093.705,"sentiment":"neutral","sentiment_score":0.20599696040153503}],"sentiment":"neutral","sentiment_score":0.04736935471494993,"num_words":6,"start":3039.855,"end":3093.705},{"sentences":[{"text":"Cool.","start":3093.765,"end":3094.265,"sentiment":"positive","sentiment_score":0.38827797770500183},{"text":"Sorry.","start":3095.685,"end":3096.005,"sentiment":"neutral","sentiment_score":0.01773199439048767},{"text":"You were saying something?","start":3096.005,"end":3096.9849,"sentiment":"neutral","sentiment_score":-0.05482880771160126},{"text":"Now I understand.","start":3114.85,"end":3115.57,"sentiment":"neutral","sentiment_score":0.06948789457480113},{"text":"So basically, the Bloom and Evergreen are the ones that stay in the middle of the road, do not go too far on either side.","start":3115.57,"end":3124.665,"sentiment":"neutral","sentiment_score":0.02931612730026245}],"sentiment":"neutral","sentiment_score":0.03317828257294262,"num_words":34,"start":3093.765,"end":3124.665},{"sentences":[{"text":"Right.","start":3134.565,"end":3134.885,"sentiment":"neutral","sentiment_score":0.11659487336874008},{"text":"Got it.","start":3134.885,"end":3135.525,"sentiment":"neutral","sentiment_score":0.16627883911132812},{"text":"Okay.","start":3135.525,"end":3136.025,"sentiment":"neutral","sentiment_score":0.18229708075523376},{"text":"Okay.","start":3137.06,"end":3137.3,"sentiment":"neutral","sentiment_score":0.2828349769115448},{"text":"Cool.","start":3137.3,"end":3137.8,"sentiment":"positive","sentiment_score":0.4622515141963959}],"sentiment":"neutral","sentiment_score":0.22942268724242845,"num_words":6,"start":3134.565,"end":3137.8},{"sentences":[{"text":"I'll have a read between the two products, Evergreen and Bloom, and then probably I'll probably reply to this email itself what my decision is, if that's alright.","start":3138.02,"end":3148.36,"sentiment":"neutral","sentiment_score":0.23799297852175577},{"text":"Alright.","start":3152.925,"end":3153.3252,"sentiment":"neutral","sentiment_score":0.2566991448402405},{"text":"Cool.","start":3153.3252,"end":3153.8252,"sentiment":"neutral","sentiment_score":0.2656209468841553},{"text":"Before I let you go, I was going through my statements for the last year.","start":3154.5251,"end":3158.145,"sentiment":"neutral","sentiment_score":0.02256744069357713},{"text":"There's one withdrawal that shows in the month of March 2025.","start":3159.0852,"end":3163.65,"sentiment":"neutral","sentiment_score":0.007362000474875624}],"sentiment":"neutral","sentiment_score":0.13581459117787226,"num_words":56,"start":3138.02,"end":3163.65},{"sentences":[{"text":"Can you just tell me what withdrawal is that for and what is that withdrawal?","start":3163.65,"end":3167.5698,"sentiment":"neutral","sentiment_score":-0.01641227714717388},{"text":"Because the number the dollar value is 3,000 something 84 or something.","start":3167.5698,"end":3171.75,"sentiment":"neutral","sentiment_score":-0.005506940806905429},{"text":"If you don't mind going to the 8,000,000.","start":3173.5698,"end":3177.51,"sentiment":"neutral","sentiment_score":-0.0028312249341979623},{"text":"Because it just says withdrawal.","start":3183.535,"end":3184.9949,"sentiment":"neutral","sentiment_score":-0.04782756417989731},{"text":"It does not say anything else.","start":3185.055,"end":3186.915,"sentiment":"neutral","sentiment_score":-0.07881290279328823}],"sentiment":"neutral","sentiment_score":-0.02275940182659289,"num_words":46,"start":3163.65,"end":3186.915},{"sentences":[{"text":"And I pulled in a document for the last year, twenty four to twenty five financial year, and it shows a withdrawal in the month of March.","start":3187.615,"end":3202.4202,"sentiment":"neutral","sentiment_score":-0.04069166209686686},{"text":"Twenty four twenty four twenty four twenty four twenty five, January, February, and there you go, March.","start":3204.855,"end":3211.7551,"sentiment":"neutral","sentiment_score":0.001081205137512263},{"text":"When was that?","start":3217.67,"end":3218.65,"sentiment":"neutral","sentiment_score":-0.02743153211971124},{"text":"So the amount is 3,000 something, and I'm not sure why was there a withdrawal in that month.","start":3219.19,"end":3226.41,"sentiment":"neutral","sentiment_score":-0.3125116262171004},{"text":"I thought I'm on Hump '24 yesterday.","start":3236.735,"end":3240.115,"sentiment":"neutral","sentiment_score":-0.032092824046100886}],"sentiment":"neutral","sentiment_score":-0.09739511147037977,"num_words":72,"start":3187.615,"end":3240.115},{"sentences":[{"text":"It does not.","start":3249.83,"end":3250.63,"sentiment":"neutral","sentiment_score":-0.3035680254300435},{"text":"And that's that's the reason why I'm a little confused why the see, it's it's on the super contributions.","start":3250.63,"end":3255.77,"sentiment":"neutral","sentiment_score":-0.23807580063217565},{"text":"Right?","start":3255.91,"end":3256.41,"sentiment":"neutral","sentiment_score":-0.018054472282528877},{"text":"So you will see contributions, and you'll see a rollout on the nineteenth of some month in '24 and or rollover, whatever it is called.","start":3256.71,"end":3268.4648,"sentiment":"neutral","sentiment_score":0.04654794048517943},{"text":"Then you'll see concessional, concessional, concessional, concessional, and a withdrawal in the middle.","start":3268.525,"end":3273.06,"sentiment":"neutral","sentiment_score":0.03593858403082077}],"sentiment":"neutral","sentiment_score":-0.06264424026317772,"num_words":61,"start":3249.83,"end":3273.06},{"sentences":[{"text":"So it just stands out in my face, you know, when it does that.","start":3273.3801,"end":3277.8,"sentiment":"neutral","sentiment_score":-0.01393056527844497},{"text":"I don't remember what screen I was on, unfortunately.","start":3278.6602,"end":3281.48,"sentiment":"neutral","sentiment_score":-0.20153997341791788},{"text":"I'll try and log in.","start":3285.7,"end":3286.935,"sentiment":"neutral","sentiment_score":-0.07290501594543457},{"text":"Was that my fourth year deduction by you guys where you get your fees or something?","start":3329.67,"end":3334.17,"sentiment":"neutral","sentiment_score":0.009079497423954308},{"text":"Okay.","start":3382.425,"end":3382.925,"sentiment":"neutral","sentiment_score":0.006331015378236771}],"sentiment":"neutral","sentiment_score":-0.04937355067167017,"num_words":45,"start":3273.3801,"end":3382.925},{"sentences":[{"text":"So that is towards my insurance, 3,084, is it?","start":3383.82,"end":3387.04,"sentiment":"neutral","sentiment_score":-0.026676096798231203},{"text":"So just within a year, it has gone from 3,084 to 4,700.","start":3393.4202,"end":3398.645,"sentiment":"positive","sentiment_score":0.36344900478919345},{"text":"No.","start":3413.44,"end":3413.68,"sentiment":"neutral","sentiment_score":-0.2053832709789276},{"text":"No.","start":3413.68,"end":3413.92,"sentiment":"neutral","sentiment_score":-0.20495298504829407},{"text":"Sorry.","start":3413.92,"end":3414.42,"sentiment":"neutral","sentiment_score":-0.17535582184791565}],"sentiment":"neutral","sentiment_score":0.1473171295171293,"num_words":24,"start":3383.82,"end":3414.42},{"sentences":[{"text":"So the 4,700 that I received the quote for recently, after which we decide to make bring it down, but that 4,700 was after the 15% discount?","start":3414.48,"end":3424.42,"sentiment":"neutral","sentiment_score":-0.0952870727137283},{"text":"Insurance details.","start":3442.98,"end":3443.86,"sentiment":"neutral","sentiment_score":-0.04203499108552933},{"text":"I'm logged into HUB24.","start":3443.86,"end":3445.72,"sentiment":"neutral","sentiment_score":-0.05072391405701637},{"text":"Member has no insurance cover, it says.","start":3447.46,"end":3449.72,"sentiment":"neutral","sentiment_score":-0.17237746928419387},{"text":"Oh, okay.","start":3458.975,"end":3459.635,"sentiment":"neutral","sentiment_score":-0.018273537047207355}],"sentiment":"neutral","sentiment_score":-0.09768823716079905,"num_words":42,"start":3414.48,"end":3459.635},{"sentences":[{"text":"Right.","start":3484.2148,"end":3484.615,"sentiment":"neutral","sentiment_score":0.0524243488907814},{"text":"And now what have we reduced our recent thing to?","start":3484.615,"end":3489.1948,"sentiment":"neutral","sentiment_score":0.017359737306833267},{"text":"The recent quote?","start":3490.375,"end":3491.4348,"sentiment":"neutral","sentiment_score":0.027983007952570915},{"text":"Yep.","start":3500.02,"end":3500.52,"sentiment":"neutral","sentiment_score":0.03390803188085556},{"text":"Correct.","start":3519.1948,"end":3519.515,"sentiment":"neutral","sentiment_score":0.07605238258838654}],"sentiment":"neutral","sentiment_score":0.026245697517879307,"num_words":16,"start":3484.2148,"end":3519.515},{"sentences":[{"text":"And these are the ones that after we brought the yeah.","start":3519.515,"end":3523.1802,"sentiment":"neutral","sentiment_score":0.03604615411975167},{"text":"The the yeah.","start":3523.8801,"end":3525.1602,"sentiment":"neutral","sentiment_score":0.012071015313267708},{"text":"Yeah.","start":3525.1602,"end":3525.32,"sentiment":"neutral","sentiment_score":0.04438658058643341},{"text":"Got it.","start":3525.32,"end":3525.8,"sentiment":"neutral","sentiment_score":0.07697196304798126},{"text":"Got it.","start":3525.8,"end":3526.2803,"sentiment":"neutral","sentiment_score":0.07682377099990845}],"sentiment":"neutral","sentiment_score":0.04129993631259391,"num_words":19,"start":3519.515,"end":3526.2803},{"sentences":[{"text":"Got it.","start":3526.2803,"end":3526.84,"sentiment":"neutral","sentiment_score":0.047434642910957336},{"text":"Okay.","start":3526.84,"end":3527.1602,"sentiment":"neutral","sentiment_score":0.03807587921619415},{"text":"Okay.","start":3527.1602,"end":3527.4001,"sentiment":"neutral","sentiment_score":-0.004826413933187723},{"text":"So I I I don't remember where did I see that on the hub 24 where it keeps gives me basically a deposit history and withdrawals on my super.","start":3527.4001,"end":3540.6648,"sentiment":"neutral","sentiment_score":-0.01803746883725298},{"text":"You know?","start":3540.6648,"end":3541.2249,"sentiment":"neutral","sentiment_score":-0.03759580850601196}],"sentiment":"neutral","sentiment_score":-0.013433127491069691,"num_words":35,"start":3526.2803,"end":3541.2249},{"sentences":[{"text":"I don't know what is it called.","start":3541.2249,"end":3542.845,"sentiment":"neutral","sentiment_score":-0.1453329814331872},{"text":"Yeah.","start":3558.9,"end":3559.4,"sentiment":"neutral","sentiment_score":0.08162979781627655},{"text":"Yep.","start":3570.1052,"end":3570.6052,"sentiment":"neutral","sentiment_score":0.3161909282207489},{"text":"Yep.","start":3577.625,"end":3577.8652,"sentiment":"neutral","sentiment_score":0.1892671287059784},{"text":"Yep.","start":3577.8652,"end":3578.3652,"sentiment":"neutral","sentiment_score":0.24997881054878235}],"sentiment":"neutral","sentiment_score":-0.0163876549764113,"num_words":11,"start":3541.2249,"end":3578.3652},{"sentences":[{"text":"Okay.","start":3588.69,"end":3589.19,"sentiment":"neutral","sentiment_score":0.06854008138179779},{"text":"Yeah.","start":3591.25,"end":3591.5698,"sentiment":"neutral","sentiment_score":0.09924720227718352},{"text":"Yep.","start":3591.5698,"end":3591.89,"sentiment":"neutral","sentiment_score":0.1080956682562828},{"text":"Okay.","start":3591.89,"end":3592.39,"sentiment":"neutral","sentiment_score":0.0883137509226799},{"text":"So now I just want to find out where where do I find my deposit history for the concessional, All of these super the contributions that are going to my super from my salary and everything.","start":3592.53,"end":3604.445,"sentiment":"neutral","sentiment_score":0.0821189774821202}],"sentiment":"neutral","sentiment_score":0.08301199730485678,"num_words":40,"start":3588.69,"end":3604.445},{"sentences":[{"text":"Yep.","start":3610.185,"end":3610.685,"sentiment":"neutral","sentiment_score":0.09871026128530502},{"text":"The deposit history does not show me anything.","start":3613.65,"end":3615.8298,"sentiment":"neutral","sentiment_score":-0.25285663548856974},{"text":"I mean, the deposits and withdrawal section on the account, you know, in half twenty four.","start":3615.89,"end":3622.8699,"sentiment":"neutral","sentiment_score":-0.2005505422130227},{"text":"And cash statement, yes, it will show me, but deposit history from inception, no matter what I select, date requested, and I click search, it says no records to display.","start":3624.53,"end":3633.7751,"sentiment":"neutral","sentiment_score":-0.28777173881729445},{"text":"And Yep.","start":3633.835,"end":3643.82,"sentiment":"neutral","sentiment_score":0.04288893938064575}],"sentiment":"neutral","sentiment_score":-0.24000571550507294,"num_words":57,"start":3610.185,"end":3643.82},{"sentences":[{"text":"Okay.","start":3658.425,"end":3658.7449,"sentiment":"neutral","sentiment_score":0.11846645176410676},{"text":"So account report has many sections.","start":3658.7449,"end":3661.325,"sentiment":"neutral","sentiment_score":0.103668508430322},{"text":"Performance report, valuation reports, fee reports, income expense, tax reports.","start":3661.385,"end":3665.4849,"sentiment":"neutral","sentiment_score":0.0635851625353098},{"text":"Transaction reports.","start":3670.08,"end":3671.1199,"sentiment":"neutral","sentiment_score":0.056076763197779655},{"text":"Yep.","start":3671.1199,"end":3671.44,"sentiment":"neutral","sentiment_score":0.2256131023168564}],"sentiment":"neutral","sentiment_score":0.08570478782057762,"num_words":20,"start":3658.425,"end":3671.44},{"sentences":[{"text":"I see it.","start":3671.44,"end":3672.16,"sentiment":"neutral","sentiment_score":0.2636232525110245},{"text":"Yep.","start":3672.16,"end":3672.66,"sentiment":"neutral","sentiment_score":0.2833704650402069},{"text":"Oh, yep.","start":3683.415,"end":3683.895,"sentiment":"neutral","sentiment_score":0.22208543121814728},{"text":"Now I can see it's from inception, and I can just export it, and I can get everything in one place.","start":3683.895,"end":3690.2148,"sentiment":"neutral","sentiment_score":0.2998402714729309},{"text":"Okay.","start":3690.2148,"end":3690.535,"sentiment":"neutral","sentiment_score":-0.038074199110269547}],"sentiment":"neutral","sentiment_score":0.27774937810110195,"num_words":28,"start":3671.44,"end":3690.535},{"sentences":[{"text":"I've been struggling with this to find where my deposits are.","start":3690.535,"end":3693.99,"sentiment":"negative","sentiment_score":-0.5088651153174314},{"text":"Okay.","start":3694.39,"end":3694.89,"sentiment":"neutral","sentiment_score":-0.05649558454751968},{"text":"So what was the what was the screen where I was looking at rollover concessional?","start":3695.27,"end":3700.49,"sentiment":"neutral","sentiment_score":-0.08128013263146082},{"text":"It was in the second column from the left and withdrawal.","start":3700.71,"end":3703.93,"sentiment":"neutral","sentiment_score":-0.03049847602166913},{"text":"That's what I don't remember.","start":3710.685,"end":3711.805,"sentiment":"neutral","sentiment_score":-0.196234530210495}],"sentiment":"neutral","sentiment_score":-0.19046208673958168,"num_words":43,"start":3690.535,"end":3711.805},{"sentences":[{"text":"I'll probably go through it once again.","start":3711.805,"end":3713.665,"sentiment":"neutral","sentiment_score":-0.11967702209949493},{"text":"It wasn't cash deposits because or cash statement because it gave me only what went in and out from the super, not where the money was then invested.","start":3714.125,"end":3726.6501,"sentiment":"neutral","sentiment_score":-0.19483207911252975},{"text":"Manage property, these statements, gain loss by security, not that one.","start":3730.1501,"end":3735.53,"sentiment":"neutral","sentiment_score":-0.013879727402871305},{"text":"Which one?","start":3746.795,"end":3747.695,"sentiment":"neutral","sentiment_score":0.01929336879402399},{"text":"In the cashier one?","start":3748.395,"end":3749.695,"sentiment":"neutral","sentiment_score":0.015997431706637144}],"sentiment":"neutral","sentiment_score":-0.12198342128585164,"num_words":52,"start":3711.805,"end":3749.695},{"sentences":[{"text":"Yeah.","start":3756.31,"end":3756.81,"sentiment":"neutral","sentiment_score":0.1807604879140854},{"text":"Probably in statement.","start":3777.345,"end":3778.4048,"sentiment":"neutral","sentiment_score":0.04879742984970411},{"text":"I'm not sure if it was in statement.","start":3778.545,"end":3780.36,"sentiment":"neutral","sentiment_score":-0.09576063323765993},{"text":"See, because in the cash statement, it gives me everything.","start":3780.52,"end":3783.74,"sentiment":"neutral","sentiment_score":0.0018917337059974671},{"text":"I clearly remember line after line, only deposits made from Shell Energy to the super rollover.","start":3784.12,"end":3792.3,"sentiment":"neutral","sentiment_score":-0.0007529834983870387}],"sentiment":"neutral","sentiment_score":-0.01137007071979736,"num_words":38,"start":3756.31,"end":3792.3},{"sentences":[{"text":"Only three types of transactions were there, concessional or concession, whatever it is called, because that's what the super deposit is, rollover and withdrawal.","start":3792.645,"end":3801.785,"sentiment":"neutral","sentiment_score":0.00013751330940673748},{"text":"That those are the only three types of transactions there.","start":3801.845,"end":3804.665,"sentiment":"neutral","sentiment_score":-0.011882287077605724},{"text":"Don't worry.","start":3804.725,"end":3805.125,"sentiment":"neutral","sentiment_score":0.21335620433092117},{"text":"I'll find it.","start":3805.125,"end":3805.605,"sentiment":"positive","sentiment_score":0.35556869705518085},{"text":"I'll probably go through it, and I'll I need to use it a little more often to understand where I where I was yesterday, last night to go through all of this for this call today.","start":3805.605,"end":3814.73,"sentiment":"neutral","sentiment_score":0.27214406265152824}],"sentiment":"neutral","sentiment_score":0.1490010960524281,"num_words":75,"start":3792.645,"end":3814.73},{"sentences":[{"text":"I was just preparing for the call today.","start":3814.73,"end":3816.5898,"sentiment":"neutral","sentiment_score":0.1403521876782179},{"text":"Yeah.","start":3838.9202,"end":3839.4202,"sentiment":"neutral","sentiment_score":0.06914947926998138},{"text":"Yeah.","start":3840.84,"end":3841.34,"sentiment":"neutral","sentiment_score":0.08379511535167694},{"text":"Okay.","start":3841.56,"end":3842.06,"sentiment":"neutral","sentiment_score":0.1315368413925171},{"text":"As of now, at least I have the report that you suggested, and it's a good way to go through.","start":3842.2002,"end":3848.12,"sentiment":"neutral","sentiment_score":0.25876435041427615}],"sentiment":"neutral","sentiment_score":0.2123414821201755,"num_words":31,"start":3814.73,"end":3848.12},{"sentences":[{"text":"So I have to go to account reports and halfway or a little more through the screen, I should see in the transaction reports, deposits, and withdrawals.","start":3848.12,"end":3857.155,"sentiment":"neutral","sentiment_score":0.10950315550521568},{"text":"Okay.","start":3857.775,"end":3858.275,"sentiment":"neutral","sentiment_score":0.09509353339672089},{"text":"Okay.","start":3865.055,"end":3865.555,"sentiment":"neutral","sentiment_score":0.0337357260286808},{"text":"And the income expense reports, do they really show real details?","start":3865.97,"end":3869.75,"sentiment":"neutral","sentiment_score":-0.016504679383202034},{"text":"Real income versus I mean, you know what I mean?","start":3870.0498,"end":3874.7898,"sentiment":"neutral","sentiment_score":-0.0621192567050457}],"sentiment":"neutral","sentiment_score":0.045653408356010915,"num_words":50,"start":3848.12,"end":3874.7898},{"sentences":[{"text":"Okay.","start":3882.7651,"end":3883.2651,"sentiment":"neutral","sentiment_score":-0.02600420080125332},{"text":"No problem, mate.","start":3906.175,"end":3906.9749,"sentiment":"neutral","sentiment_score":0.3017502228418986},{"text":"No problem.","start":3906.9749,"end":3907.535,"sentiment":"neutral","sentiment_score":0.29755283892154694},{"text":"Alright.","start":3907.535,"end":3908.035,"sentiment":"positive","sentiment_score":0.4650275111198426},{"text":"Cool.","start":3908.815,"end":3909.315,"sentiment":"positive","sentiment_score":0.6103379130363464}],"sentiment":"neutral","sentiment_score":0.31871469621546566,"num_words":8,"start":3882.7651,"end":3909.315},{"sentences":[{"text":"Thanks for being patient.","start":3910.335,"end":3911.555,"sentiment":"positive","sentiment_score":0.7043866962194443},{"text":"I appreciate you giving me the time.","start":3911.775,"end":3914.595,"sentiment":"positive","sentiment_score":0.6371334876332965},{"text":"It's past six, isn't it, for you?","start":3915.935,"end":3917.79,"sentiment":"neutral","sentiment_score":0.08802857249975204},{"text":"Yeah.","start":3917.79,"end":3918.29,"sentiment":"neutral","sentiment_score":0.08676834404468536},{"text":"Yeah.","start":3929.875,"end":3930.195,"sentiment":"neutral","sentiment_score":0.16680321097373962}],"sentiment":"positive","sentiment_score":0.40736263804137707,"num_words":20,"start":3910.335,"end":3930.195},{"sentences":[{"text":"Alright.","start":3930.195,"end":3930.5151,"sentiment":"neutral","sentiment_score":0.30220896005630493},{"text":"I appreciate that, mate.","start":3930.5151,"end":3931.975,"sentiment":"positive","sentiment_score":0.5130412727594376},{"text":"I'll probably let you go now.","start":3932.7551,"end":3934.115,"sentiment":"neutral","sentiment_score":0.2655520960688591},{"text":"I'll go through the documents.","start":3934.115,"end":3935.395,"sentiment":"neutral","sentiment_score":0.17155501544475554},{"text":"Give me a couple of days, and I'll probably respond back.","start":3935.395,"end":3938.215,"sentiment":"neutral","sentiment_score":0.1478247737342661}],"sentiment":"neutral","sentiment_score":0.2382049709558487,"num_words":27,"start":3930.195,"end":3938.215},{"sentences":[{"text":"I'm I'm leaning towards the estimate, frankly.","start":3939.0752,"end":3942.0552,"sentiment":"neutral","sentiment_score":0.11792391857930593},{"text":"Yeah.","start":3942.8198,"end":3943.3198,"sentiment":"neutral","sentiment_score":0.1243358850479126},{"text":"So, yeah, I'll just go through the docs and then come back.","start":3943.78,"end":3948.5999,"sentiment":"neutral","sentiment_score":0.1027328409254551},{"text":"Yes.","start":3958.305,"end":3958.705,"sentiment":"neutral","sentiment_score":0.13404333591461182},{"text":"And you are sending me another document to sign again.","start":3958.705,"end":3961.905,"sentiment":"neutral","sentiment_score":0.08028003126382828}],"sentiment":"neutral","sentiment_score":0.10062713079875515,"num_words":31,"start":3939.0752,"end":3961.905},{"sentences":[{"text":"Right?","start":3961.905,"end":3962.405,"sentiment":"neutral","sentiment_score":0.07210516929626465},{"text":"Yep.","start":3973.0498,"end":3973.5498,"sentiment":"neutral","sentiment_score":0.05351252108812332},{"text":"No problem.","start":3974.73,"end":3975.45,"sentiment":"neutral","sentiment_score":0.11992109566926956},{"text":"No problem.","start":3975.45,"end":3976.0898,"sentiment":"neutral","sentiment_score":0.14655620604753494},{"text":"I'll keep an eye on my email for any of the Odoo sign document.","start":3976.0898,"end":3981.6099,"sentiment":"neutral","sentiment_score":0.1539450910474573}],"sentiment":"neutral","sentiment_score":0.14069017842411996,"num_words":20,"start":3961.905,"end":3981.6099},{"sentences":[{"text":"Right?","start":3981.6099,"end":3982.1099,"sentiment":"neutral","sentiment_score":0.17458851635456085},{"text":"Alright.","start":3985.21,"end":3985.71,"sentiment":"neutral","sentiment_score":0.256929486989975},{"text":"Thank you, Kyle.","start":3986.325,"end":3987.305,"sentiment":"neutral","sentiment_score":0.28026095032691956},{"text":"Yeah.","start":3988.005,"end":3988.505,"sentiment":"positive","sentiment_score":0.3825492262840271},{"text":"You do, mate.","start":3990.885,"end":3991.445,"sentiment":"positive","sentiment_score":0.5818752845128378}],"sentiment":"positive","sentiment_score":0.3778306593497594,"num_words":9,"start":3981.6099,"end":3991.445},{"sentences":[{"text":"Cheers.","start":3991.445,"end":3991.765,"sentiment":"positive","sentiment_score":0.658033549785614},{"text":"Have a good one.","start":3991.765,"end":3992.7449,"sentiment":"positive","sentiment_score":0.6293984800577164},{"text":"Bye.","start":3994.005,"end":3994.505,"sentiment":"neutral","sentiment_score":0.02384954504668713}],"sentiment":"positive","sentiment_score":0.5332461691771945,"num_words":6,"start":3991.445,"end":3994.505}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, kids. It's Carl calling from Ophi Financial. How's it going?\n\nChannel 1: Good afternoon, mate. Not bad. How are you?\n\nChannel 0: Yeah. Not too bad at all, kids. Thanks for asking. I've got you scheduled in to go over that document I emailed you the other week. Is now still a good time for you?\n\nChannel 1: Yep. We can do that. I'll go through the document. Yeah.\n\nChannel 0: Perfect. Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great. Thanks.\n\nChannel 1: Yep. Shruti Shivrankar. Date of birth is sixteen July nineteen seventy nine, and address is 12 Catanami, East, Caroline Springs, Victoria 3023.\n\nChannel 0: Perfect. Thanks for that, Ankit. Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction. Now I'm not too sure what happened, but the signature didn't come through on that document. So what I'm gonna do is I'm gonna get the team to resend that one to you today.\n\nJust as I said, I'm not too sure what the auto sign did. The the signature didn't come through on the document. What did you remember signing that by any chance? Like, as in, like, drawing\n\nChannel 1: What\n\nChannel 0: a signature?\n\nChannel 1: document? Sorry. I just had the PDF and a document that talks about the types of different accounts or something.\n\nChannel 0: No. The doc the ODU sign you completed for your insurance reduction quote, that was, like, before I sent that through. Do you remember completing\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: Who who does that come through? Is it DocuSign or something that I can search for?\n\nChannel 0: Odoo sign, like, o d, double o.\n\nChannel 1: O d double o o two. Okay.\n\nChannel 0: Because\n\nChannel 1: O two\n\nChannel 0: it's\n\nChannel 1: sign.\n\nChannel 0: a because you know we're talking about you wanted to reduce your life in TPD down to the one point\n\nChannel 1: Yeah.\n\nChannel 0: 5,000,000.\n\nChannel 1: Yeah. Yeah. I do remember that, but I get the context. I'm trying to search in my emails. If I've received this email from o d o o.\n\nRight?\n\nChannel 0: Yeah.\n\nChannel 1: O d o o. I don't think I have.\n\nChannel 0: Yeah. So it was that one, but I'm not too sure what happened. Like, the signature didn't come through on the document. So I'm not too sure\n\nChannel 1: Oh,\n\nChannel 0: what occurred.\n\nChannel 1: okay.\n\nChannel 0: But, yeah, what I'm gonna do is I'm gonna get the team to resend that to you. It obviously hasn't passed the renewal date just yet. So what we'll do is we'll just resend that quote. And then, yeah, you just gotta ensure to draw the signature. Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one.\n\nChannel 1: Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you. I have that email.\n\nChannel 0: Yeah. Yeah. Yeah. So that's\n\nChannel 1: Interesting.\n\nChannel 0: that's what\n\nChannel 1: Okay.\n\nChannel 0: I'm saying.\n\nChannel 1: Tell\n\nChannel 0: I can\n\nChannel 1: me\n\nChannel 0: see\n\nChannel 1: again.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: completed it as well. I just don't know what happened that there's no signature on the actual document itself. So I'm just gonna read, draw that up for you. So just so you're aware that it's not a double up, it's just that it the signature is not on it, so I can't submit it without it. So I'm not too sure exactly what happened.\n\nBut that that's fine. Now in terms of the document there, Kij, have you had a chance to to read through those options, have a little look and compare a few things and have a bit of a read through?\n\nChannel 1: Yes. I have.\n\nChannel 0: Yep.\n\nChannel 1: What I don't understand is is this something that is coming up for everyone? So is it something that I have to give you a decision and Meenal will also have to give her a decision once her account is all stabilized and finalized.\n\nChannel 0: So in regards to that one, obviously, her advice will be quite new in terms of the recommendation that Dana would have made for Mino. So personalized advice is personalized for that reason. It's personalized to the individual, not just like if it was just like, like, anyone could sort of, you know, do\n\nChannel 1: No. No.\n\nChannel 0: it.\n\nChannel 1: No.\n\nChannel 0: A lot\n\nChannel 1: Sorry.\n\nChannel 0: of it does, like oh, sorry.\n\nChannel 1: I I I sorry. Sorry, Carl, to interrupt you. I I understand I understand these things. However, I'm\n\nChannel 0: Yep.\n\nChannel 1: trying to understand. My question is to to do more to do with the fact that is OQ making this a policy arrangement for all customers, or is this just catered to me by your side from from you?\n\nChannel 0: In terms of, like, the options available, they're available to everyone. In terms of, like, the strategy paper, generally, like, not too many people get a strategy paper because they just get an advice document. So you\n\nChannel 1: Okay.\n\nChannel 0: get, like, a little bit of a more of the figures on the options. Generally, like, people just go straight to the SOA stage, and then they'll have just a little bit of a brief, like, outline of the alternatives that were considered. They're just not placed in the document. And then if\n\nChannel 1: Yep.\n\nChannel 0: that someone wanted to view, like, a one alternate option, then it sort of ends up in the appendix, and then you get a few more figures with that as well. In\n\nChannel 1: Okay.\n\nChannel 0: terms of, like, the amount of information you're getting for the alternative options or the options available, generally, no. Like, that's just something if you wanna compare a little bit more in-depth before you make a sort of decision to be a part of that a little bit more as opposed to receiving the statement of advice.\n\nChannel 1: Okay. I understand now. I'm I'm I'm going to assume for the sake of conversation that these\n\nChannel 0: Mhmm.\n\nChannel 1: are options that you've kind of sent only to me for now, and this is some kind of a strategy that you are proposing for me. Is that correct?\n\nChannel 0: Yes. So in terms of, like, the options available, like, they're obviously available to to other, like, other customers there as well, especially sort of when it comes down to investments that are approved by the investment committee. In terms of, like, changes you can make, you you can make slight sort of adjustments within, like, a few sort of boundaries of, like, approved product lists and things like that.\n\nChannel 1: Okay.\n\nChannel 0: The strategic managed account that they have built now, that would be the same across the board for everyone in terms of the available ones there. So there's broken up into, like, four groups. So you've got your, like, your your more aggressive, your high growth and growth, and then your defensive portion.\n\nChannel 1: Yep.\n\nChannel 0: Now within that strategic managed account, you can break those up in terms of, like, you can have 30% in the higher growth and, you know, 70% in growth to get the, like, risk allocation that you'd like. But in terms\n\nChannel 1: Okay.\n\nChannel 0: of what's in across those accounts, all the same for everyone that would be in those. Much for the same if, like, the same portfolio was recommended, you may be in a similar portfolio to another customer. Obviously, it changes slightly in terms of how the weightings go. Your contributions going in the weightings do become a little bit askew, but it's all part of, like, our approved product list here at Oakview as well.\n\nChannel 1: Okay. So right now, in the comparison, it shows my current is on what is it called? In the table, it just says current, but I don't know if I'm on the core or choice because I after that, I did visit the Hub 24 app. I logged in and tried to figure\n\nChannel 0: Yep.\n\nChannel 1: out more, you know, managed funds there. And there\n\nChannel 0: Yep.\n\nChannel 1: are a lot many managed funds, but all of them came up with the same names, you know, active, high growth, etcetera, etcetera. So what am I currently on?\n\nChannel 0: Yep.\n\nChannel 1: What\n\nChannel 0: So\n\nChannel 1: is my\n\nChannel 0: the\n\nChannel 1: current standing as? Is it\n\nChannel 0: yes.\n\nChannel 1: active, high growth? What what does it stand? Where does India?\n\nChannel 0: So yeah. No. I completely understand where you're coming from that kid. So when it comes down to your actual account itself, so the the difference between core and choice is the difference between investment menus, basically. One's like the base option, which has a little bit more of a limited menu, and then one has more available investment options if you do wanna become a little bit more customized in terms of your investment options or, like, not limit your investment horizons, basically, in terms of, like, what you can go into.\n\nNow the benefit of the SMA is that with that, the the core there, it's available on the core, and the core is actually cheaper in terms of management fees and member fees,\n\nChannel 1: Uh-huh.\n\nChannel 0: which you can see in terms of, like, the the flat member fee account admin fee. So it's a 100\n\nChannel 1: Yep.\n\nChannel 0: and $80 per annum to be in that choice, but for the the core option, there's no no fee there. It does cost a little bit in terms of the fact that some of the investments do make up for that. In terms of the investment cost can be a little bit higher in certain options, But what you're doing is you're saving that $108 flat membership fee if you were in sort of that strategic managed account. Now in terms of, like, the investment option that you're currently in, so you are currently in a a growth option there. Now that's about an eighty twenty split.\n\nNow the difference between that being active and passive and things like that as well does depend on what, like, sort of you have in your account. Now the majority of your portfolio is, like, passive index funds. Now and then you do have that actively managed account, that Benelung account, which as we both know didn't perform well that had that underlying investment. They sort of went really downhill with that. But that's not to say that your entire account is active.\n\nYou have a small portion like a satellite directed towards that to try and outperform that market. Now, obviously, that does carry management risk and higher risk in terms of the fact that they are trying to out form the market. So you do have those things that do occur much like with Benelon. They made a bad choice, and it did affect their portfolio and performance there\n\nChannel 1: Yep. Yep.\n\nChannel 0: as well.\n\nChannel 1: But that is the only active portfolio on my portfolio, right? Because everything else is all ETFs. I keep seeing there are a lot of gold, battery, technology, banking, all those ETFs that\n\nChannel 0: Yep.\n\nChannel 1: are invested\n\nChannel 0: Correct.\n\nChannel 1: in, correct?\n\nChannel 0: So they're lower cost ETFs that are passively managed in terms of the indexes they follow. Yes.\n\nChannel 1: Okay. So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it?\n\nChannel 0: Apart from the bed alone. Yes.\n\nChannel 1: Apart from the Benelon. Exactly. Okay. Alright. So, yeah, so in all of this, what was what do you what do you recommend as an option?\n\nBecause I lean over to passive. I would rather have consistent growth than explosive growth and high risk or exposure to sudden downfalls. You know what I mean?\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I would rather stay in the middle than on any side of the road, frankly.\n\nChannel 0: And I I completely agree with the way you sort of view risk and that you do sort of not like the those fluctuations as much that a more passive approach would be sort of in your better interest just in terms of peace of mind, the cost of savings that you would get. Now\n\nChannel 1: Mhmm.\n\nChannel 0: you do also get that in the SMA. Now because it is a strategically managed account, they can have active portions. Currently, it's all all passive within the SMA. You do pay a little bit more in terms of the investment cost, but that's also the benefit of having that SMA there as well is you have the managers at BlackRock and the investment committee here at Oakview that would also review those regularly and then be able to make changes like you were sort of requesting earlier as well\n\nChannel 1: Yeah.\n\nChannel 0: when they sort of see changes in the market. Now you do pay a little bit more for that. It is managed to a certain degree, but it's not into the sense like a managed portfolio where they're really trying to out on the market currently. At the moment, they're just managing those index investments to find sort of, you know, value in the market to be able to change those, see things that are changing, and be able to make adjustments with that as well. Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well.\n\nChannel 1: Yeah. Yep. I'm definitely not leaning towards the active. I'm not definitely not leaning towards the active, but\n\nChannel 0: Yep.\n\nChannel 1: what's the other one? Active and then\n\nChannel 0: There's the SMA, which is like it's passive\n\nChannel 1: And\n\nChannel 0: investments,\n\nChannel 1: then and\n\nChannel 0: but\n\nChannel 1: then\n\nChannel 0: it's\n\nChannel 1: the passage.\n\nChannel 0: it's\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So a passive and the SMA are both passive investments. One just has the ability for the managers here at OPU and the investment committee to make changes along the way. Whereas if you were to update something in that passive option, you would have to go back to advice. We'd have to do a whole document again and things like that as well.\n\nChannel 1: Okay. So from the SMI perspective, you said there are BlackRock people sitting shoulder to shoulder with you, and then you guys work together on a strategy. Is that what you said? Did you just say earlier?\n\nChannel 0: Yep. So once I think, like, with it being new, I think every sort of month or so they meet, and every quarter they do a review of\n\nChannel 1: Mhmm.\n\nChannel 0: the investments. Not to say that they'll change anything. They just obviously monitor it. So, basically, the portfolio is getting review at least, like, once a quarter as opposed to opposed to maybe, like, your once every 12 months with your or your six monthly catch up, things like that. And like I said, yeah, they're working with the investment committee.\n\nThey'd use their AI software, Aladdin, to be able to research the markets as well, and it is powered a lot through that BlackRock software\n\nChannel 1: Okay.\n\nChannel 0: in terms of that built portfolio.\n\nChannel 1: Okay. So I'm definitely not leaning towards the SMA. There are two two basic things. One, I'm working with you and your client. Two, with SMA as a BlackRock as a third party added to it.\n\nI don't have direct exposure to those people. Or if I have questions or whatever, I'll still go through you guys. Right? So I would rather stick to you guys and work with you. So SM is definitely out.\n\nActive, you will yes. It does offer potential, but I think it comes at very high cost\n\nChannel 0: Yep.\n\nChannel 1: with the active, if I'm not wrong. The active right now, what is the cost increasing cost? Oh, so I'm now let's just talk about that grid on page number eight. If you have the document open in front of you, I can ask you a direct question from there.\n\nChannel 0: Bear with me. I'll just bring that one back up there, Kij. Pay date, did you say?\n\nChannel 1: Yep. Yeah. Page eight, where it shows a fee structure table between the current and active. And\n\nChannel 0: Yep.\n\nChannel 1: what I want to understand is even if it is active, it is still with OQ. Right? It does not we're just changing the structure of investments from passive to active, right? But it's still Okview, not Blackhawk, correct?\n\nChannel 0: So so within even the the SMA, it's not like your funds are with BlackRock per se. They're just part of the committee that helps build and monitor the portfolio. Funds are still with us. They just are in some BlackRock investments similar to, like, the active portion as well. Your funds are still all under Oakview Financial.\n\nIt's just the investments that are chosen. So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung. So Benelung obviously is has in is investing your money, but still your money is all, like, under managed by us. Similar with the SMA as well, it's not like we're giving your money off to to BlackRock\n\nChannel 1: Okay.\n\nChannel 0: to to manage. It's it's still under Oakview. You're still an Oakview customer. Just the the committee itself, you are in some BlackRock investments within that portfolio, that estimate. Not to say that it will be moving forward.\n\nIt's quite fluid in terms of the changes and things like that that we'll make. The only thing that BlackRock gets out of that, basically, is by having you in some of those BlackRock investments similar to even if you weren't in the SMA. If you're in some BlackRock investments, they have investment fees for holding investment\n\nChannel 1: Okay.\n\nChannel 0: funds as well. So it's still no matter what option you choose, you're still an Oakview customer. Your funds are still with Oakview and still managed by Oakview.\n\nChannel 1: Okay. So what is my risk exposure if I'm with back BlackRock? What I'm what I don't understand is for 100% of my money that is invested with you guys through Hub twenty four, What is my risk exposure with BlackRock? That is what I don't understand because the risks that I mentioned here, right, like market risk, manager risk, liquidity risk, manager risk is one that I'm concerned about.\n\nChannel 0: Yep.\n\nChannel 1: Excuse me. Transition risk, well, the money could fit in cash for a little while. That is what I understand.\n\nChannel 0: Yep.\n\nChannel 1: Operational risk. Yeah. So operational risk is something between since it is between Oakview and BlackRock and it's, let's say, once every quarter that the team meets and discusses all SMA accounts with them. What is my risk exposure? Am I going in a very high growth kind of a thing with because\n\nChannel 0: No. You'd\n\nChannel 1: in\n\nChannel 0: still\n\nChannel 1: the\n\nChannel 0: be\n\nChannel 1: yeah.\n\nChannel 0: within your, like, allocated risk profile. It would aim to be around that that eighty twenty split. I'll just see what it actually came out to with the the breakdown there. So you'd still be in line with your risk profile. We'd be looking at for the the SMA, you'd actually\n\nChannel 1: 70\n\nChannel 0: be a little\n\nChannel 1: eight\n\nChannel 0: less\n\nChannel 1: 21.\n\nChannel 0: exposed. Yep. Exactly. So you'd have a little bit less allocated to actual growth assets. So, technically, you'd be a little bit actual growth assets.\n\nSo, technically, you'd be a little bit dialing it back in terms of your level of risk, and then you will also not have a managed fund risk. Now in terms of, like, obviously, BlackRock and Oakview as investment committees review those investments and make changes, much like the investment committee that makes changes to these portfolios, the investment committee here has the approved product list. If anything, they've just got a little bit more backing through BlackRock. Now all the investments under that SMA aren't like BlackRock investments. There's certain, like, iShares and things like that as well that have just been been chosen due to the the lower cost of those and then their past performance, you know, future outlooks that they've built.\n\nNow in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy. So in terms of, like, geopolitical risks, you know, being diversified across different geographical locations and things like that as well, it is quite strict to criteria and what they actually can change. They can't just,\n\nChannel 1: Okay.\n\nChannel 0: like, you know, sell you all down and put you all into, like, one fund and things like that. They are quite strict. And if anything, BlackRock would be stricter to adhering to those allocations than\n\nChannel 1: Okay.\n\nChannel 0: say, you know, a smaller sort of firm being able to monitor those and make changes and things like that as well.\n\nChannel 1: Okay. So basically, with BlackRock, with with an SMA type of an account, I will just call it type of an account. Right? It\n\nChannel 0: Yep.\n\nChannel 1: is still a type of an account with you guys.\n\nChannel 0: Yep. Yep. That's good. Yep.\n\nChannel 1: Yeah. Isn't it? So if if if SMA is involved, what I see is the exposure is pretty much it is actually even better because right now, the current is at an eightytwenty split. This will be a 70 eighttwenty two or 70 ninetwenty one split with the SMA. With the current, we are set to a that is how I started with you guys.\n\nI was set on a yearly update. However, it can be changed over the period. I understand that it can be changed to a quarterly. However,\n\nChannel 0: Correct.\n\nChannel 1: SMA will do it actively even without me being involved. Isn't it?\n\nChannel 0: Yeah. So\n\nChannel 1: Okay.\n\nChannel 0: with\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So even if I was to review your account quarterly with you, for me to change any of your investments, say, a quarter from now, even though I wouldn't recommend sort of changing\n\nChannel 1: Yeah.\n\nChannel 0: your portfolio up that sort of regularly because that's a bit more day trade esque and, you know, you can be lumped with more taxes and things like that depending on how long they're held, which, you know, all accounted for with, you know, BlackRock. They do all those calculations where they just change it in the background. So when you buy into an SMA, they're the fund managers of that SMA, and you just hold the SMA. So, technically, you only hold that one underlying asset within that is much like a managed account. You hold multiple ETFs, multiple things like that as well.\n\nBut they can change all the things, but your allocation of what you hold is still just either one or two, most likely, of those SMA accounts, and that will never sort of change. But everything underneath that is sort of ever changing as they grow and update. And if I was to just have you in that that one fund there, obviously, we can make changes. But every time we make a change, we've gotta go to advice again, have the conversations, redo your risk profile and everything, and then be able to update that in line with that as well.\n\nChannel 1: Okay. So what I understand is current versus SMA, in the current, if we go through a quarterly update and we decide, oh, we got to sell these investments and reinvest that money into something else,\n\nChannel 0: Yep.\n\nChannel 1: the time that these investments were held and when they're sold, then there is a short term capital gain tax or some kind of taxation involved. So there'll be some costs for me on my account, isn't it?\n\nChannel 0: Yeah. If you're changing that regularly.\n\nChannel 1: Exactly. And because we're changing that regularly. But if it is an SMA and I hold a so every time I'm buying a certain set of SMA units at some rate that is there in the market and internally, it is just like a mutual fund, isn't it? Where we are investing all our funds in and they're the ones deciding how much they're exposing to active versus defensive kind of things and they decide which equities to invest and ETFs to invest in and things like that, right?\n\nChannel 0: Yeah. And and currently, it is all passive. Not to say that that would, like, it might change in the the the future. It might not. But, yeah, at the moment, they're all passive investments in the underlying just to, like, forewarn you.\n\nThat's not to say that they weren't ad active in the future, and you could be in that SMA and they could ad active. You'll still get, like, your investment buy sell, like, updates on what's going in. But it's a lot harder to sort of view what's in there because it can be changing, like, as you sort of go along as well.\n\nChannel 1: Right. So, okay. So my exposure to taxation or cost on my super is low because I'll be just buying certain units of that estimate, and they're doing everything internally for buying and selling. So I do not have that. I'm abstracted or protected from all those taxation and all those issues or\n\nChannel 0: It's\n\nChannel 1: costs\n\nChannel 0: still\n\nChannel 1: on my super.\n\nChannel 0: it's it's still there in a sense, but it's, like, dealt with by the managers underlying and changing those and dealing with\n\nChannel 1: Yeah.\n\nChannel 0: that as well. You just have, like, the basically, like you said, like, the units of that.\n\nChannel 1: Fund.\n\nChannel 0: Yeah. But you still,\n\nChannel 1: Yeah.\n\nChannel 0: like obviously, there's still taxes involved and you still bear the the cost of that, but it's not like if you were to hold it and then just have a huge, like, CGT. Like, you still pay CGT and things like that as well, but not when sort of those little buy sells occur. It's kinda built into the the buy sell cost, and it is managed a lot better inside an SMA than it is outside.\n\nChannel 1: Okay. And when we talk about the SMA, the current allocation, right, 78% versus 21%, The 78% is in passive and exposure to active is 21%, correct,\n\nChannel 0: No.\n\nChannel 1: if I\n\nChannel 0: No.\n\nChannel 1: understand\n\nChannel 0: No.\n\nChannel 1: you,\n\nChannel 0: It's it's\n\nChannel 1: the\n\nChannel 0: it's\n\nChannel 1: other\n\nChannel 0: all\n\nChannel 1: one?\n\nChannel 0: it's all passive, but it's so, like, it's, like, 80% investing in growth assets, and then the 20% will be more defensive side of things. So that's, like, your\n\nChannel 1: Yeah.\n\nChannel 0: cash\n\nChannel 1: Okay.\n\nChannel 0: fixed\n\nChannel 1: The lower\n\nChannel 0: interest\n\nChannel 1: is\n\nChannel 0: bonds.\n\nChannel 1: different.\n\nChannel 0: Yeah. And then the other one's towards growth assets. So still all passive in nature in terms of their all index ETFs, things like that. But it's different between growth and defensive asset classes. So one obviously aims for more capital growth and then some earn like, with the defensive, either aim for, like, income earning, things like that, you know, like your fixed interest is bonds.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. And with the SMA, what kind of a fund am I going to be investing in? Is there a name, a particular name or product that BlackRock has that I buy units of or\n\nChannel 0: No. So the the SMA was actually, pardon me, was named by\n\nChannel 1: something?\n\nChannel 0: Oakview. I'll just bring up all of them, to be fair. I did send the the Oakview PDF, I believe, as well.\n\nChannel 1: Yes. Yes. I do. Do you want me to open that? It was a very long document, and I'm like, you know what?\n\nThis is a standard looks like a standard PDF\n\nChannel 0: That\n\nChannel 1: document.\n\nChannel 0: PDF is\n\nChannel 1: Yeah.\n\nChannel 0: solely actually just in regards to the relationship with BlackRock, their investment portfolio process and everything as well, as long as, like, the fees and things like that and the buy sell spreads. Obviously, it is quite a lengthy document like you did say, but that's all in regards to that that SMA. So, obviously, it's different to, you know, Oaktree's other investments, but the different types of investments you can be invested into under that is growth, which is a more balanced. You've got your evergreen, which is a growth. Your blooms are high growth, and your catalyst is like an all growth or like a high growth, like all aggressive.\n\nAnd\n\nChannel 1: Mhmm.\n\nChannel 0: the the two funds that you'd be in, if you were to sort of look at that because we did, like, a split to get you to more of that seventy twenty split, you'd be invested, like, majority, like, two thirds in bloom and about a third sort of thing in evergreen, maybe a little bit more than a third.\n\nChannel 1: Okay. So okay. Oh, oh, I see this. I'm on page number seven. Remember, actually, related to fees and costs.\n\nHold on. I'm going to page number six. Okay. So I have 24 managed portfolio service, original annual fees. It's just too much to read.\n\nHowever okay. So I see on page number seven, example, evergreen growth portfolio. That's what I see. Okay. And\n\nChannel 0: Yep. So if you scroll down to\n\nChannel 1: oh, yeah. Yeah.\n\nChannel 0: page page\n\nChannel 1: Eight.\n\nChannel 0: 13 just or even yeah. List all of them or yeah. Some it's like obviously crosses different pages and things like that of what they are. Yeah. Yeah.\n\nPage eight's got it as well of the\n\nChannel 1: Yeah.\n\nChannel 0: different cost of products and the breakdowns. But, yeah, with yours, you'd be across Bloom and Evergreen, which is, like, your high growth and growth and a mix between that to get you closer to that seventy twenty split sorry. 80\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Okay.\n\nSo\n\nChannel 0: and\n\nChannel 1: Evergreen\n\nChannel 0: 20 split.\n\nChannel 1: and Bloom are the recommended products that you guys you guys I think that's what's coming across to me.\n\nChannel 0: Yep.\n\nChannel 1: Clearly,\n\nChannel 0: Those\n\nChannel 1: there\n\nChannel 0: would\n\nChannel 1: are four products, but you're recommending two of those.\n\nChannel 0: yes. Because just to get the balance like, obviously, you can mix the balances up a little bit in terms of that, but with you could either go, like, all in bloom, like, high growth or all in evergreen growth, but then the allocations might be a little askew. So with being allocated in both, not only do you get a little bit more diversification across that, and you can be split more across those investments given that you have greater diversification being in an SMA because you can spread your money a bit further because it's pooled with other people.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, between the growth and the high growth there, you get that eighty twenty split, which is in line with that risk profile of yours of getting that sort of mid range where you're still aiming for growth, but you also don't want a huge amount of volatility as well.\n\nChannel 1: Yep. Alright. So if if I go with SMA and you're recommending Evergreen and Bloom, is that 80% goes into Evergreen and 20% in Bloom or the other way or half of my money goes to Evergreen, which has an exposure internally eightytwenty and half of my money goes into Bloom with a high growth of portfolio and it has its own exposure of eighty-twenty or seventy-thirty or whatever.\n\nChannel 0: So I'll have a look at what the split, like, sort of comes down to. So it's about 60% would be in bloom and about 40% would be in evergreen.\n\nChannel 1: Okay. And where are you reading this? On the\n\nChannel 0: That's\n\nChannel 1: PDF, is it?\n\nChannel 0: that's just a breakdown based on the the account balances for the figures I got. So just when they put that portfolio together for the figures that you have in that document, so that's not actually listed there in terms of\n\nChannel 1: Okay.\n\nChannel 0: that. Yeah. So, obviously, just on that strategy paper there, it just gives you the breakdowns. But yeah. And then across that, so those fees are based on, like, a 60 a $60.40 split between Bloom and Evergreen.\n\nI just didn't put that down, unfortunately. Sorry for that. Good.\n\nChannel 1: Okay. Because are you reading this somewhere else? Because I don't see this. This is not in the document, right, what you're saying?\n\nChannel 0: Yeah. Yeah. No. That's not in the doc that\n\nChannel 1: Okay.\n\nChannel 0: breakdown.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yes. Okay. I understand. I understand what you're coming from, where you're coming from about it. Okay.\n\nSo okay. See, frankly, what is your recommendation? I mean, I can take a call, but then, you know, you understand this space better than us, and\n\nChannel 0: Yep.\n\nChannel 1: we are your customers or clients because we need that advice as well. Alright? So\n\nChannel 0: Yep.\n\nChannel 1: with this, if I'm on the comparison sheet for page 12 for the SMA,\n\nChannel 0: Yep.\n\nChannel 1: I look at the current SMA active and passive,\n\nChannel 0: Yep.\n\nChannel 1: definitely having lower cost is a big, big plus on a super, isn't it?\n\nChannel 0: Yep.\n\nChannel 1: So what is your recommendation? What would have you done if you were if this was your super?\n\nChannel 0: It sort of depends on what you want it to the end of the day as well, Kj. But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay.\n\nChannel 1: Yep.\n\nChannel 0: But it is to be mindful that that's just because over the past sort of five years as well, the market have been doing really well post COVID in terms of, like, being on an upwards tick. And just\n\nChannel 1: Yep.\n\nChannel 0: being in those index investments, obviously, they're gonna perform really well because the market's been performing really well as well. Now with that, if you were in a passive investment for those five years, obviously, it would have performed really well. You wouldn't had to do too much. You wouldn't really had to have reviewed it. Now\n\nChannel 1: Mhmm.\n\nChannel 0: with the SMA, with it being a little bit more turbulent, you do get that peace of mind that you do have, like, a higher level of sort of software going towards reviewing, monitoring, updating that portfolio, a bit more professional management in terms of going forward as opposed to just doing quarterly catch ups, your your 12 monthly, things like that. Now,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, in terms of cost, there's not too much of a difference in terms of cost. Like, a $100 really isn't too much in terms of a yearly expense with\n\nChannel 1: Yeah.\n\nChannel 0: the in regards to that. And then you do get those added benefits if it's reviewed more regularly. You don't have to worry as much. It does come with less admin work with the changes they do make. You obviously have a little less oversight in terms of, like, the changes that are being made, but you're still made aware with those email updates and the changes in the buyers and sales they do.\n\nNow they might not do it. They might change it. Depends just what the market and what they see moving forward as well. And it gives you a little bit more of peace of mind as well. And as an average of, like, moving forward and how it's been tracking sort of over that three year period as well, those investments that are currently have been doing quite well in addition to the fact that, you know, with that management ongoing as well, they could potentially outperform the market even through passive ETFs as well, which you wouldn't potentially get just a passive investment because it just tracks the market.\n\nAnd if the market was to hit a bit of a low with all the, you know, the world wars, I know Iran just kicked off on the weekend. So those sort of things. You don't know how the markets are gonna slow over the next few years with those conflicts\n\nChannel 1: Yeah.\n\nChannel 0: going on. And even if you are paying a lower cost, that's fantastic. But if you're not sort of getting the returns there as well, there is that sort of downside that you can't make any changes without sort of coming back and going to advice as well.\n\nChannel 1: Yeah. Exactly. And that's what I'm a little see, BlackRock is a very big BlackRock, Vanguard, they're really big players in the market. Right?\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: You've\n\nChannel 1: I'm\n\nChannel 0: been\n\nChannel 1: sure\n\nChannel 0: around, know what they're doing. Yep.\n\nChannel 1: they'll definitely. Definitely. They will do they they definitely do that, but then I'm a very small player\n\nChannel 0: Yeah.\n\nChannel 1: individually. So if something screws up for them, it is a loss. They'll write it off and they'll build it over the years because it's an organization. For me, I'm an individual. I really take the hit.\n\nSo that's where I'm more concerned about. I do understand.\n\nChannel 0: Yeah. If anything\n\nChannel 1: Quarterly review is sorry?\n\nChannel 0: too if anything too with the SMA, you actually have more diversification for that level of cost as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Like, with the recommended portfolios, whether it be passive or active, our current portfolios, you kinda spread across, you know, like, normally the the six to eight sort of funds if that depending\n\nChannel 1: Mhmm.\n\nChannel 0: on the portfolio. Whereas in an estimate, because you pulled as well across those two funds as well, not just the singular fund. Obviously, there might be some overlap, but you actually have a wider degree of diversification across different assets as well.\n\nChannel 1: Yes. Okay. Okay. I understand. So if I were to invest in BlackRock Evergreen, I can do that outside of the Hub twenty four as well?\n\nChannel 0: No. So that's one thing because it is an Oakview portfolio powered by BlackRock. At the moment, it's not public. So they will like, that's what, obviously, the end goal is to make it to where it is a publicly listed SMA that people can invest in even if you're not a customer of Oakview. But at the moment, it's built from the investment committee here within liaison with BlackRock.\n\nSo it's like an overview portfolio SMA powered by BlackRock with the goal of going public at some point down the track.\n\nChannel 1: Okay. Now I understand where this is coming. All of this is coming from. So it's a product internally\n\nChannel 0: Yep.\n\nChannel 1: worked in collaboration with BlackRock. Okay. And we are we are kind of so how long has this SME been alive for?\n\nChannel 0: It sort of was in its final stages getting developed the end of last year and come January, it went live.\n\nChannel 1: Okay. And as as it went live, it is already selling at these high numbers, $185 a unit or something. Like, I see it on page number eight or nine wherever wherever I was.\n\nChannel 0: So so\n\nChannel 1: Yep.\n\nChannel 0: with that, in regards to the investments within it, the investments within it have been around a lot longer than the SMA itself. That's why when they first started, they build it passively with those investments, much like if the investment kitty was to just pick, you know, a bunch of investments that are in the market currently and make a portfolio from that. It is much like that in the sense that they're not picking individual shares and building the portfolio. They're still using those ETFs that have been around a lot longer, which is how they're able to get those, you know, five year rolling averages, things like that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Because\n\nChannel 1: You're\n\nChannel 0: the investments\n\nChannel 1: right.\n\nChannel 0: that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA. They haven't just, like, built it based off individual shares. They've started, you know, with those index funds. They might move to more managed funds. They might hold some direct shares in the future, things like that as well.\n\nThat's up to the direction of the investment committee and how they wanna build it moving forward as well.\n\nChannel 1: Okay. So, okay. To summarize, and I don't I don't want to hold you back for a long time now. It's probably quarter to six in Brisbane, isn't it?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. So to conclude, I understand now what you're talking about SMA. However,\n\nChannel 0: Yep.\n\nChannel 1: the active and passive are still managed completely by OQ. Right? There's no\n\nChannel 0: So it's in collaboration with BlackRock and then\n\nChannel 1: BlackRock\n\nChannel 0: they\n\nChannel 1: there.\n\nChannel 0: do hold some BlackRock investments within that fund. But as far as the money itself, it's still held and managed by Oakview.\n\nChannel 1: Okay.\n\nChannel 0: And those\n\nChannel 1: Yeah.\n\nChannel 0: grove and, like, the PDS, you can have a bit more of a read through it. Now you just sort of know it's towards the SMA. It is based on the fact that Oakview have built those. They're Oakview SMAs powered by\n\nChannel 1: Yep.\n\nChannel 0: BlackRock. Yeah.\n\nChannel 1: Yep. Okay. Okay. Okay. Alright.\n\nSo\n\nChannel 0: Yeah. It's a lot of information coming at you there, kid.\n\nChannel 1: yeah.\n\nChannel 0: Obviously, like, you know, it is\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: Tell\n\nChannel 0: of\n\nChannel 1: me.\n\nChannel 0: like through like, our conversations, I would say it's between the SMA and passive. It just if you want that little bit more of a professional oversight moving forward and, you know, a little bit let more of a a hands off. You obviously still get the updates. You still see what's going on. You can still call up and ask what's happening, what they're sort of doing.\n\nBut in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could. But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well.\n\nChannel 1: Yep. Yep. So okay. I I I'm I'm trying to get to this as quick as possible, but do you please bear with me. I went through the statements and I see a lot of tax being deducted.\n\nIt's always for the money that is being\n\nChannel 0: Yep.\n\nChannel 1: invested in or sold and then we buy something else in place of that. Right?\n\nChannel 0: With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more. And it's generally sort of at the end of each month if there's enough sort of allocated cash from your contributions going in that they do those those buys and and sells to rebalance it slightly.\n\nChannel 1: Mhmm. Exactly.\n\nChannel 0: But it's\n\nChannel 1: For every transaction, there'll be some tax going forward.\n\nChannel 0: inside yeah. So\n\nChannel 1: Right?\n\nChannel 0: any sort of soul where there is a capital gain, obviously, there's losses that offset that as well. Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and\n\nChannel 1: Mhmm.\n\nChannel 0: the way that works. So even though there is still tax associated with that, you know, a managed fund might pay quite a bit more over the the life cycle of it being, like, active and, you know, the buyers and sales and the cost and sales and the changes as opposed to an SMA, if you just hold that one SMA, the the capital gains is generally lower as well over a longer period of time.\n\nChannel 1: Right. Okay. So that's what I wanted to understand. Capital gains, gain taxes, hidden cost or hidden expenditure, you know.\n\nChannel 0: Yep.\n\nChannel 1: Alright. So that means okay. And if I go with an SMA, do I have a choice to roll back from an SMA if I don't like something?\n\nChannel 0: Yeah. So with that, the the funds that carry across even currently from your current portfolio into the SMA, they still get in in species transferred. So any funds that match up with the funds that are actually in the SMA, they just carry across to the SMA. Now in terms of the ones that don't, it would just be like selling out and moving out. You're not locked in by any means, but, obviously, you still gotta pay the liable taxes and things like that if the investments change much like, you know, anything.\n\nChannel 1: Okay. Okay. So does that mean we're going to take a hit on selling Benelon and then moving into SMA if I choose to go with an SMA?\n\nChannel 0: So at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently. So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost. That is offset of, like that's with the offset of the the loss with the Benelon. Now if you went to, like, the active portion because a lot of the portfolio is staying the same, we're just changing likely the active portion and a few other the tweaks and rebalancing a bit. It is a lot lower.\n\nIt's around the 300. And then if you went to the passive option, it would be a $500 CGT. That's because a lot of the portfolio would remain the same. The core would remain the same. It would\n\nChannel 1: Mhmm.\n\nChannel 0: just be a few a few changes and updates to make it a fully passive portfolio, which would do in turn to come from those active portions and the one that weren't performing too well. Whereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying across to the the SMA, if that makes sense.\n\nChannel 1: Yeah. Okay. Alright. I understand. Then along is definitely as of thirty first twelve showing a loss of $3,000 but there's nothing else that is showing a loss of loss of any amount.\n\nAlright. Okay. I think moving to the SMA probably makes sense. I see that you're kind of recommending that not saying it though, but you're kind of hinting towards an SMA is a better option to go with because it gets reviewed every quarter instead of we reviewing it once a year. And if there's a review quarterly, then we have to go through a lot of advice preparation again.\n\nI have to be involved, lot of signing\n\nChannel 0: Lot of\n\nChannel 1: this and\n\nChannel 0: lot\n\nChannel 1: that\n\nChannel 0: of\n\nChannel 1: probably.\n\nChannel 0: admin. Yeah. So\n\nChannel 1: A\n\nChannel 0: like\n\nChannel 1: lot of\n\nChannel 0: like\n\nChannel 1: admin\n\nChannel 0: I\n\nChannel 1: work.\n\nChannel 0: said\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So I feel like the SMA, like, obviously, without, you know, putting it together and advice piece probably best suits you and your needs in terms of, like, not only, like, what you're getting out of it, but in terms of just, like, for ease of mind and your lifestyle and, you know, what you wanna get out of, you know, your investments as well. But the passive's still an option that's more than suitable for your needs depending on if you wanna go down that route as well.\n\nChannel 1: Right. And if I go through the passive, where are the investments going to be? Just the way they are right now, or are we moving to something some other product?\n\nChannel 0: So if you were to do just, like, a passive option there as well, it would be largely like, a lot of the call would remain the same. And then with that, there would be some changes to the exposures with a few of the more satellites, but your S and P 500 would stay largely unchanged. A few of your alternate outside The US and things like that would change slightly. But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same.\n\nChannel 1: Okay. Alright. That definitely puts me in a spot between the passive and the SMA. Yep.\n\nChannel 0: Yeah. And you don't have to make a decision on the spot. You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments. It's not a a huge rush. You've, you know, you've had a few weeks already.\n\nWhat's a couple more days for you to be able to digest the information a little bit as well?\n\nChannel 1: Yeah. I would prob yeah. That's a good option. I'll probably try and through the week, spend some time tonight also to go through the PDF and understand a little more. But I am I am leading towards the SMA because of a quarterly review.\n\nIt's a better review to have and preempt some moves than suffer a loss. And, I mean, I I feel this SMA is a little more proactive than reactive.\n\nChannel 0: Yeah.\n\nChannel 1: And the active and passive and the current are more reactive because that's like a yearly thing that we do. Right? A review and then go through that admin work if we need\n\nChannel 0: Yeah.\n\nChannel 1: any changes.\n\nChannel 0: Exactly. And, like, although super is like a longer term game, obviously, you know, it doesn't hurt to review it like this may may go a few years without even making a change because\n\nChannel 1: Yeah.\n\nChannel 0: the markets are doing well. But if they see something that they're forecasting coming, it means they can change it for a lot more people. Like, obviously, you know, we try and pick it up if we're doing quarterly reviews, yearly reviews, and things like that. But you may fall outside of something that is occurring, like,\n\nChannel 1: Yeah.\n\nChannel 0: politically, that's outside of the scope and, you know, it is like\n\nChannel 1: Alright.\n\nChannel 0: a smaller firm as well. So it's harder to, you know, be able to to call you up, let you know what's happening without sort of just working through everyone because it comes up as it comes up sort of thing. Whereas the SMA, they're doing it not just for the SMA. It's everyone in the SMA, which can encompass a larger group or portion of the book.\n\nChannel 1: Right. So, alright. So with the SMA, I'm leading towards the SMA. Last few questions. All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever.\n\nSo you're recommending\n\nChannel 0: Yeah.\n\nChannel 1: the Blue and the Evergreen. What is the investment size from your side in this? Because you said this is an OQUE and a BlackRock collaboration. It's\n\nChannel 0: Yep.\n\nChannel 1: an initiative by OQUE. So do you still call it assets under management, if it makes sense, if I'm I'm asking the right question, how much money is invested in these since their inception?\n\nChannel 0: So, like, the the actual funds themselves, how much is in them currently?\n\nChannel 1: Yeah.\n\nChannel 0: I wouldn't be able to see exactly what's in it currently in terms of, like, a breakdown. Obviously, you know, it's only been started moving in since January there, but there are, like, still, I believe, it's probably at least a a half a million, if not more, that have already gone gone in just in recent times that I'm aware of.\n\nChannel 1: Okay. So\n\nChannel 0: I'm not\n\nChannel 1: it's really,\n\nChannel 0: too sure.\n\nChannel 1: really fresh. Yeah.\n\nChannel 0: Yeah. Yeah. In terms of, like, funds under management, it's still a fund under management of OQ. And, like, obviously, we still have quite the number of, like, dollars under management in terms of everyone that is on board. I couldn't actually tell you the the exact number that's in the individual sort of SMAs currently though, but it is sort of in its earliest stages and in growing.\n\nChannel 1: Okay. Okay. So it's it's pretty fresh, pretty new. And if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year. Are these projections or are these returns that have been\n\nChannel 0: That\n\nChannel 1: received in the last few years?\n\nChannel 0: that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames. Otherwise, we couldn't do it. Now, and as they make changes, it actually becomes a lot harder to do those past projections because you've gotta take into account the fact that, you know, this investment was only in there for a year and then it wasn't and then, like, obviously, as a change of scope, it actually becomes a bit of a a projection or past performance nightmare. But currently, all the assets held under that portfolio have existed for those time frames, which is why we're able based on those past performances, what that would project out to be taken into account the the fees associated with that as\n\nChannel 1: Alright. Okay.\n\nChannel 0: well. Yeah. Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment.\n\nChannel 1: Okay. Okay. Yeah. Alright. I have all the information I need currently before I have more questions, but\n\nChannel 0: Yep.\n\nChannel 1: I think I'll go through the PDF sorry, the PDF document for the managed portfolio option profiles,\n\nChannel 0: Yep.\n\nChannel 1: grow balanced, evergreen growth portfolio, Bloom and Catalyst. Okay. And you\n\nChannel 0: Yep.\n\nChannel 1: are recommending 60% is going to be in evergreen and 40 is going to be in Bloom. Right?\n\nChannel 0: Other way around. So 60\n\nChannel 1: Other\n\nChannel 0: bloom,\n\nChannel 1: way around.\n\nChannel 0: four yeah.\n\nChannel 1: Okay.\n\nChannel 0: 60 bloom, 40 evergreen. There's those sort\n\nChannel 1: Oh, okay.\n\nChannel 0: of rough amounts, and that gets you that eighty twenty sort of split between the assets.\n\nChannel 1: So 60 is going to be in a high growth. That means high risk. Does it not mean high growth is high risk?\n\nChannel 0: In a sense, but also no. So within regards to that, it just means a higher allocation to those growth assets. So even with that eighty twenty, it's 80% growth assets and 20% defensive. So the growth is anywhere between, you know, shares international versus domestic. So that includes your S and P 500.\n\nThat's a growth asset. So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset. You don't carry the risk of, like, direct shares currently. You don't carry that fund manager risk apart from the, you know, the investment committee that makes those active changes if they were to sort of come up. But in saying that as well, you still have 20% dedicated to, you know, things like cash fixed interest and those sort of bonds that hold that defensive portion because those growth assets over the long terms are the ones that get you that capital growth.\n\nAnd at the moment as well, they're considering gold to be a growth asset even though it can be considered a bit of a defensive asset as well depending on the markets. So if anything, you might be a tad more defensive in a sense that you do hold gold within that if you were to go with that option as well.\n\nChannel 1: Okay. Alright. And\n\nChannel 0: And if\n\nChannel 1: I I can't make I can't make a choice between the other two. Right? These are all predecided, Evergreen and Bloom, or do I have a choice to call out now I want Evergreen and let's say, for example, Catalyst, All Growth or something of that sort? I mean, can I choose those, or these are recommended by you only? That's\n\nChannel 0: Like,\n\nChannel 1: why\n\nChannel 0: we\n\nChannel 1: it's\n\nChannel 0: we're happy\n\nChannel 1: yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: I'm happy to have a play around with it to sort of if you, like, see one like, obviously, the growth and the high growth are in line more with your risk profile and the split between that's to get that eighty twenty. If we\n\nChannel 1: Mhmm.\n\nChannel 0: sort of jig that a little bit because you wanna go, you know, a little bit more to a balance or you wanna have a bit more in the, you know, the higher growth obviously, if you split across more than two, it gets a little bit higher in terms of cost, so I wouldn't sort of recommend that.\n\nChannel 1: Okay.\n\nChannel 0: But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well. It just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to be. Also, you could look at just doing the one and then just sort of riding the risk either being slightly below your risk profile range or maybe slightly above the risk profile range, but just holding the one the one SMA account as well.\n\nChannel 1: Got it. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Because\n\nChannel 1: Sorry.\n\nChannel 0: because,\n\nChannel 1: You\n\nChannel 0: obviously,\n\nChannel 1: were saying\n\nChannel 0: you\n\nChannel 1: something?\n\nChannel 0: can't yeah. The accounts are built for balanced growth, high growth, and, like, all growth, which is like your aggressive option, which is why those four accounts exist and they're sort of just those they base. They stay within those ranges, and then we just move funds between them to make it within your risk profiles.\n\nChannel 1: Now I understand. So basically, the Bloom and Evergreen are the ones that stay in the middle of the road, do not go too far on either\n\nChannel 0: Well,\n\nChannel 1: side.\n\nChannel 0: once the the growth and once the the high growth and with the split between that, it gives you that seventy twenty sort of split between the assets they hold within the fund.\n\nChannel 1: Right. Got it. Okay. Okay. Cool.\n\nI'll have a read between the two products, Evergreen and Bloom, and then probably I'll probably reply to this email itself what my decision is, if that's alright.\n\nChannel 0: Yeah. No. That's perfectly fine, kid. Even if you wanna have another chat, that's more than fine as well.\n\nChannel 1: Alright. Cool. Before I let you go, I was going through\n\nChannel 0: Yep.\n\nChannel 1: my statements for the last year. There's one withdrawal that shows in the month of March 2025. Can you just tell me what withdrawal is that for and what is that withdrawal? Because the number the dollar value is 3,000 something 84 or something. If you\n\nChannel 0: Three\n\nChannel 1: don't\n\nChannel 0: thousand\n\nChannel 1: mind\n\nChannel 0: 9.\n\nChannel 1: going to the\n\nChannel 0: Yeah. No. That's fine.\n\nChannel 1: 8,000,000.\n\nChannel 0: It was probably just your insurances, but I'll double check.\n\nChannel 1: Because it just says withdrawal. It does not say anything else. And I pulled in a document for the last year, twenty four to twenty five financial year, and it shows a withdrawal in the month of March. Twenty four twenty four twenty four twenty four twenty five, January, February, and there you go, March. When was that?\n\nSo the amount is 3,000 something, and I'm not sure why was there a withdrawal in that month.\n\nChannel 0: I'm just confirming because I'll just have a look.\n\nChannel 1: I thought I'm on Hump '24 yesterday.\n\nChannel 0: Because I dare say it's just the insurance costs.\n\nChannel 1: It does not. And that's that's the reason why I'm a little confused why the see, it's it's on the super contributions. Right? So you will see contributions, and\n\nChannel 0: Yeah.\n\nChannel 1: you'll see a rollout on the nineteenth of some month in '24 and or rollover, whatever it is called. Then you'll see concessional, concessional, concessional, concessional, and a withdrawal in the middle. So it just stands out in my face, you know, when it does that. I don't remember what screen I was on, unfortunately. I'll try and log in.\n\nChannel 0: Yes. So on the nineteenth to the third was your premium due date minus your 15% rebate, which comes out to the $3,084.81, which lines up with that that rollover amount deducted\n\nChannel 1: Was\n\nChannel 0: for\n\nChannel 1: that\n\nChannel 0: the\n\nChannel 1: my\n\nChannel 0: trust.\n\nChannel 1: fourth year deduction by you guys where you get your fees or something?\n\nChannel 0: No. That was the the policy renewal for your insurances. So we obviously get a 22% trailing commission for that. Our one's a monthly amount that you pay towards us and our pre like, our service. But that that lump sum was just for the insurance premium for your Neos policy, which is coming up again in the like, this month, which is why we're doing that reduction now.\n\nBut that's what I see that deduction for. Because, obviously, it comes out as a rollover because it goes to the trustee of the super fund, which is why it can be done through SuperStream rollovers. And that that amount matches up with that amount that you're sort of concerned about there as well.\n\nChannel 1: Okay. So that is towards my insurance, 3,084, is it?\n\nChannel 0: $3,084.81 was your yearly premium for the last year. Yep.\n\nChannel 1: So just within a year, it has gone from 3,084 to 4,700.\n\nChannel 0: Well, the the full amount is $3,629, but you get the 15% rebate for being inside super. But, yes, it has had a little bit of a jump up in terms of that as well. Whether that's oops, sorry?\n\nChannel 1: No. No. Sorry. So the 4,700 that I received the quote for recently, after which we decide to make bring it down, but that 4,700 was after the 15% discount?\n\nChannel 0: So oh, sorry. I'll just bring up that quote. So I can't remember off the top of my head what the the sums actually came to. Because there's two figures that you can see generally. Bear with me.\n\nYes. Reduction quote.\n\nChannel 1: Insurance details. I'm logged into HUB24. Member has no insurance cover, it says.\n\nChannel 0: Pardon? You have no yeah. It's that only shows up in hub twenty four. The insurances, if you have group cover within hub twenty four. So you won't actually be able\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: okay.\n\nChannel 0: see your external policy. In terms of the cover amount, so before the the reduction, it's $4,572 as a yearly premium, and then that drops down to $4,162.69 in terms of that premium. And then the rollover amount will actually be less because you'll get the 15% rebate out of that as well.\n\nChannel 1: Right. And now what have we reduced our recent thing to?\n\nChannel 0: So\n\nChannel 1: The recent\n\nChannel 0: it's\n\nChannel 1: quote?\n\nChannel 0: the one one point five of life and TPD, and then the income protection stay the same with that longer benefit, which is the largely where the cost is coming from, to\n\nChannel 1: Yep.\n\nChannel 0: the age of 65. So it'll be $4,162.69 as a yearly premium, then you'll get the rebate or the 15% discount for being inside super. So the rollover amount will be $3,538.28 for the the next twelve months for your insurance cost.\n\nChannel 1: Correct. And these are the ones that after we brought the yeah.\n\nChannel 0: The premium. Yeah.\n\nChannel 1: The the\n\nChannel 0: With\n\nChannel 1: yeah. Yeah. Got it. Got it. Got\n\nChannel 0: Yep.\n\nChannel 1: it. Okay. Okay. So I I I don't remember where did I see that on the hub 24 where it keeps gives me basically a deposit history and withdrawals on my super.\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: There is\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: don't\n\nChannel 0: withdrawal.\n\nChannel 1: know what is it called.\n\nChannel 0: There is a withdrawal history. The the view might be a little bit different for you. I can get you a deposits and withdrawals if you'd like, but the withdrawal payment you're referring to is that super super rollover for the insurances for last year, that $3,084. Also, if you're doing\n\nChannel 1: Yeah.\n\nChannel 0: your cash statement as well, if you're playing around in there and having a look in the cash statement, that'll give you sort of you can go from, like, financial year to date, last financial year from inception, things like that, and you'll be able to see,\n\nChannel 1: Yep.\n\nChannel 0: you know, the buyers, the sellers, your contributions going in. In addition to that, you'll be able to see those withdrawals coming out as well. And\n\nChannel 1: Yep.\n\nChannel 0: that'll\n\nChannel 1: Yep.\n\nChannel 0: be just sort of an itemized list that you can go down and have a look at as well. And then with that, you'll see, like, your portfolio service fees, which is, like, your adviser service fees as well, which are, like,\n\nChannel 1: Okay.\n\nChannel 0: a monthly deduction.\n\nChannel 1: Yeah. Yep. Okay. So now I just want to find out where where do I find my deposit history for the concessional, All of these super the contributions that are going to my super from my salary and everything.\n\nChannel 0: Yep. So you'll be able to see those in the cash statement. Also, in account reports, you can look at your deposits\n\nChannel 1: Yep.\n\nChannel 0: and withdrawals history report as well and then just\n\nChannel 1: The\n\nChannel 0: generate\n\nChannel 1: deposit\n\nChannel 0: that.\n\nChannel 1: history does not show me anything. I mean, the deposits and withdrawal section on the account, you know, in half twenty four. And cash statement, yes, it will show me, but deposit history from inception, no matter what I select, date requested, and I click search, it says no records to display. And\n\nChannel 0: No. It will be in so it's separate to the one that's in the the section you can see. So not in deposits and withdrawals. If you go to account reports, you should be able to you\n\nChannel 1: Yep.\n\nChannel 0: should be able to generate one on that list called deposits and withdrawals, and you can set your date ranges for that. And it'll give you your your contributions amount that you put in, also salary sacrifices and the withdrawals that come out of that account.\n\nChannel 1: Okay. So account report has many sections. Performance report, valuation reports, fee reports, income\n\nChannel 0: Yeah.\n\nChannel 1: expense, tax\n\nChannel 0: It's\n\nChannel 1: reports.\n\nChannel 0: it's about three quarters of the way down in transaction reports.\n\nChannel 1: Transaction reports. Yep. I see it. Yep.\n\nChannel 0: Deposits and withdrawals, and you'll be able to click on that one, and you can set your date ranges, and then you'll be able to generate the report and see see those figures.\n\nChannel 1: Oh, yep. Now I can see it's from inception, and I can just export it, and I\n\nChannel 0: Yep.\n\nChannel 1: can get everything in one place. Okay. I've been struggling with this to find where my deposits are.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: fine.\n\nChannel 1: was the what was the screen where I was looking at rollover concessional? It was in the second column from the left and withdrawal.\n\nChannel 0: Which section was that? Sorry. The in the cash statement or in your deposits and withdrawals?\n\nChannel 1: That's what I don't remember. I'll probably go through it once again. It wasn't cash deposits because or cash statement because it gave me only what went in and out from the super, not where the money was then invested. Manage property, these statements, gain loss by security, not that one.\n\nChannel 0: Because you can like, when you're in the cash statement, you can filter, and you can filter by, like, deposits or or withdrawals, and then that will give you just, like, your list and make it a\n\nChannel 1: Which\n\nChannel 0: lot\n\nChannel 1: one?\n\nChannel 0: like,\n\nChannel 1: In\n\nChannel 0: if\n\nChannel 1: the\n\nChannel 0: you're\n\nChannel 1: cashier\n\nChannel 0: in the cash\n\nChannel 1: one?\n\nChannel 0: statement, you can just filter by, like, deposits, but you'll also get, like, your dividends paid and things like that as well. With the withdrawals,\n\nChannel 1: Yeah.\n\nChannel 0: you can do your withdrawals, and that'll have, like, your buy movements and things like that as well. You can have your expenses as well within that that lovely like, your portfolio expense fees and adviser fees there as well, so your investment costs and then your adviser fees. And then I'll also come up there that, what else is\n\nChannel 1: Probably\n\nChannel 0: the the income\n\nChannel 1: in statement.\n\nChannel 0: at? Yeah.\n\nChannel 1: I'm not sure if it was in statement. See, because in the cash statement, it gives me everything. I\n\nChannel 0: Yeah.\n\nChannel 1: clearly remember line after line, only deposits made from Shell Energy to the super rollover. Only three types of transactions were there, concessional or concession, whatever it is called, because that's what the super deposit is,\n\nChannel 0: Yep.\n\nChannel 1: rollover and withdrawal. That those are the only three types of transactions there. Don't worry. I'll find it. I'll probably go through it, and I'll I need to use it a little more often to understand where I where I was yesterday, last night to go through all of this for this call today.\n\nI was just preparing for the call today.\n\nChannel 0: Yeah. No. That's fine. Obviously, that that deposits and withdrawal one will have your salary sacrifice, your super contributions split up, and then also with the withdrawal from that fund, which would be the insurance cost there as well. Yeah.\n\nAnd then you'll also have your tax liability. That's like the three ones that are generally listed on that report, and that's all line for line, like, dated.\n\nChannel 1: Yeah. Yeah. Okay. As of now, at least I have the report that you suggested, and it's a good way to go through. So I have to go to account reports and halfway or a little more through the screen, I should see in the transaction reports, deposits, and withdrawals.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Just in yeah. Transaction reports, deposits, withdrawals, and that will give you you one that you can see all of all of that as well.\n\nChannel 1: Okay. And the income expense reports, do they really show real details? Real income versus I mean, you know what I mean?\n\nChannel 0: You're probably better off, like, doing your performance reports, like performance with internal rate of return or, like, your portfolio\n\nChannel 1: Okay.\n\nChannel 0: overview, things like that. Those other ones can get, like, a little bit confusing if you're not really sure what you're sort of looking at as well. But, yeah, the just your performance reports generally are really quite quite good. Your portfolio overview as well, just be able to have a look at that, and then you can sort of just come to us with any sort of questions you might have there as well.\n\nChannel 1: No problem, mate. No problem. Alright. Cool. Thanks for being patient.\n\nI appreciate you giving me the time.\n\nChannel 0: Yep.\n\nChannel 1: It's past six, isn't it, for you? Yeah.\n\nChannel 0: Yeah. Yeah. A little bit. But that's that's alright. Generally, I do like bigger bigger days so I can catch people after work and stuff, and daylight savings tends to help a little bit.\n\nSo yeah.\n\nChannel 1: Yeah. Alright. I appreciate that, mate. I'll probably let you go now. I'll go through the documents.\n\nGive me a couple of days, and I'll probably respond back. I'm I'm leaning towards the estimate,\n\nChannel 0: Yep.\n\nChannel 1: frankly. Yeah. So, yeah, I'll just go through the docs and then come back.\n\nChannel 0: Mhmm. Not not a problem at all, kid. Just shoot us an email when you when you're ready. Obviously, no rush. But, yeah, feel free to to reach out with any questions you might have following that.\n\nChannel 1: Yes. And you are sending me another document to sign again. Right?\n\nChannel 0: Yeah. I'll get the the team to send out that Neos one just as well for that quote because I'm not I'm not too sure what happened. It's just the signature's not there. So I just have\n\nChannel 1: Yep.\n\nChannel 0: to be re signed.\n\nChannel 1: No problem. No problem. I'll keep an eye on my email for any of the Odoo sign document. Right?\n\nChannel 0: Perfect. Yeah. That'd be great. Thanks, Kij.\n\nChannel 1: Alright. Thank\n\nChannel 0: No worries.\n\nChannel 1: you, Kyle.\n\nChannel 0: Wait. No. Too easy.\n\nChannel 1: Yeah.\n\nChannel 0: You enjoy the rest of your afternoon, Kijs. Thanks for your time.\n\nChannel 1: You do, mate. Cheers. Have a good one.\n\nChannel 0: Cheers. Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.049283526837825775}],"sentiment":"neutral","sentiment_score":0.049283526837825775,"channel":1,"num_words":1,"start":2.32,"end":2.82},{"sentences":[{"text":"Good afternoon, kids.","start":3.28,"end":4.08,"sentiment":"positive","sentiment_score":0.35370375712712604},{"text":"It's Carl calling from Ophi Financial.","start":4.08,"end":5.62,"sentiment":"neutral","sentiment_score":0.22020573914051056},{"text":"How's it going?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.27961065371831256}],"sentiment":"neutral","sentiment_score":0.26843147228161496,"channel":0,"num_words":12,"start":3.28,"end":6.5},{"sentences":[{"text":"Good afternoon, mate.","start":7.6,"end":8.74,"sentiment":"positive","sentiment_score":0.34951359033584595},{"text":"Not bad.","start":8.88,"end":9.36,"sentiment":"positive","sentiment_score":0.4063701182603836},{"text":"How are you?","start":9.36,"end":10.099999,"sentiment":"neutral","sentiment_score":0.27538009484608966}],"sentiment":"positive","sentiment_score":0.33592766150832176,"channel":1,"num_words":8,"start":7.6,"end":10.099999},{"sentences":[{"text":"Yeah.","start":10.16,"end":10.559999,"sentiment":"neutral","sentiment_score":0.241932213306427},{"text":"Not too bad at all, kids.","start":10.559999,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.31351687510808307},{"text":"Thanks for asking.","start":11.5199995,"end":12.42,"sentiment":"positive","sentiment_score":0.6825142701466879},{"text":"I've got you scheduled in to go over that document I emailed you the other week.","start":12.934999,"end":16.295,"sentiment":"positive","sentiment_score":0.3775789476931095},{"text":"Is now still a good time for you?","start":16.295,"end":17.835,"sentiment":"positive","sentiment_score":0.35621073096990585}],"sentiment":"positive","sentiment_score":0.38416250838952903,"channel":0,"num_words":34,"start":10.16,"end":17.835},{"sentences":[{"text":"Yep.","start":18.225,"end":18.725,"sentiment":"neutral","sentiment_score":0.23518364131450653},{"text":"We can do that.","start":18.865,"end":19.585,"sentiment":"neutral","sentiment_score":0.3129768669605255},{"text":"I'll go through the document.","start":19.585,"end":20.725,"sentiment":"neutral","sentiment_score":0.263924178481102},{"text":"Yeah.","start":21.025,"end":21.525,"sentiment":"positive","sentiment_score":0.3459548354148865}],"sentiment":"neutral","sentiment_score":0.28660607608881866,"channel":1,"num_words":11,"start":18.225,"end":21.525},{"sentences":[{"text":"Perfect.","start":22.294998,"end":22.794998,"sentiment":"positive","sentiment_score":0.5866800546646118},{"text":"Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great.","start":22.855,"end":27.735,"sentiment":"positive","sentiment_score":0.48565881119834053},{"text":"Thanks.","start":27.735,"end":28.235,"sentiment":"positive","sentiment_score":0.5028591752052307}],"sentiment":"positive","sentiment_score":0.4897354183525875,"channel":0,"num_words":29,"start":22.294998,"end":28.235},{"sentences":[{"text":"Yep.","start":28.74,"end":29.24,"sentiment":"neutral","sentiment_score":0.16410477459430697},{"text":"Shruti Shivrankar.","start":29.54,"end":30.44,"sentiment":"neutral","sentiment_score":0.10948600247502327},{"text":"Date of birth is sixteen July nineteen seventy nine, and address is 12 Catanami, East, Caroline Springs, Victoria 3023.","start":30.5,"end":36.6,"sentiment":"neutral","sentiment_score":0.0765525263391043}],"sentiment":"neutral","sentiment_score":0.08352612636306068,"channel":1,"num_words":22,"start":28.74,"end":36.6},{"sentences":[{"text":"Perfect.","start":37.33,"end":37.73,"sentiment":"positive","sentiment_score":0.5579694509506226},{"text":"Thanks for that, Ankit.","start":37.73,"end":38.79,"sentiment":"positive","sentiment_score":0.6321197301149368},{"text":"Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction.","start":39.010002,"end":45.685,"sentiment":"neutral","sentiment_score":0.03634578324854374},{"text":"Now I'm not too sure what happened, but the signature didn't come through on that document.","start":45.745003,"end":49.425,"sentiment":"neutral","sentiment_score":-0.22634359262883663},{"text":"So what I'm gonna do is I'm gonna get the team to resend that one to you today.","start":49.425,"end":52.725,"sentiment":"neutral","sentiment_score":0.009015234652906656}],"sentiment":"neutral","sentiment_score":0.008372963973670267,"channel":0,"num_words":64,"start":37.33,"end":52.725},{"sentences":[{"text":"Just as I said, I'm not too sure what the auto sign did.","start":53.105,"end":56.165,"sentiment":"neutral","sentiment_score":-0.14918621744100863},{"text":"The the signature didn't come through on the document.","start":57.0,"end":59.179996,"sentiment":"neutral","sentiment_score":-0.1998863418896993},{"text":"What did you remember signing that by any chance?","start":59.48,"end":63.879997,"sentiment":"neutral","sentiment_score":-0.05505113469229804},{"text":"Like, as in, like, drawing","start":63.879997,"end":65.0,"sentiment":"neutral","sentiment_score":-0.027405042946338654}],"sentiment":"neutral","sentiment_score":-0.12141342585285504,"channel":0,"num_words":36,"start":53.105,"end":65.0},{"sentences":[{"text":"What","start":64.8,"end":65.12,"sentiment":"neutral","sentiment_score":-0.03897813335061073}],"sentiment":"neutral","sentiment_score":-0.03897813335061073,"channel":1,"num_words":1,"start":64.8,"end":65.12},{"sentences":[{"text":"a signature?","start":65.0,"end":65.58,"sentiment":"neutral","sentiment_score":-0.05319938249886036}],"sentiment":"neutral","sentiment_score":-0.05319938249886036,"channel":0,"num_words":2,"start":65.0,"end":65.58},{"sentences":[{"text":"document?","start":65.12,"end":65.6,"sentiment":"neutral","sentiment_score":-0.052293505519628525},{"text":"Sorry.","start":65.6,"end":66.1,"sentiment":"neutral","sentiment_score":-0.1693151891231537},{"text":"I just had the PDF and a document that talks about the types of different accounts or something.","start":66.16,"end":71.695,"sentiment":"neutral","sentiment_score":-0.11846677793396844}],"sentiment":"neutral","sentiment_score":-0.1177005348727107,"channel":1,"num_words":20,"start":65.12,"end":71.695},{"sentences":[{"text":"No.","start":73.655,"end":73.895004,"sentiment":"neutral","sentiment_score":-0.1840976923704147},{"text":"The doc the ODU sign you completed for your insurance reduction quote, that was, like, before I sent that through.","start":73.895004,"end":80.075005,"sentiment":"neutral","sentiment_score":-0.12124221287667751},{"text":"Do you remember completing","start":80.535,"end":81.655,"sentiment":"neutral","sentiment_score":-0.040170990861952305}],"sentiment":"neutral","sentiment_score":-0.11078503653407097,"channel":0,"num_words":25,"start":73.655,"end":81.655},{"sentences":[{"text":"Yeah.","start":81.355,"end":81.855,"sentiment":"neutral","sentiment_score":-0.05061830580234528}],"sentiment":"neutral","sentiment_score":-0.05061830580234528,"channel":1,"num_words":1,"start":81.355,"end":81.855},{"sentences":[{"text":"that?","start":81.655,"end":82.14,"sentiment":"neutral","sentiment_score":-0.05970753729343414}],"sentiment":"neutral","sentiment_score":-0.05970753729343414,"channel":0,"num_words":1,"start":81.655,"end":82.14},{"sentences":[{"text":"Who who does that come through?","start":84.57001,"end":86.33,"sentiment":"neutral","sentiment_score":-0.07732151510814826},{"text":"Is it DocuSign or something that I can search for?","start":86.33,"end":89.79,"sentiment":"neutral","sentiment_score":-0.034700872004032136}],"sentiment":"neutral","sentiment_score":-0.05068361316807568,"channel":1,"num_words":16,"start":84.57001,"end":89.79},{"sentences":[{"text":"Odoo sign, like, o d, double o.","start":90.06,"end":92.64,"sentiment":"neutral","sentiment_score":-0.034332450213176866}],"sentiment":"neutral","sentiment_score":-0.034332450213176866,"channel":0,"num_words":7,"start":90.06,"end":92.64},{"sentences":[{"text":"O d double o o 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two","start":98.335,"end":98.815,"sentiment":"neutral","sentiment_score":-0.04143430478870869}],"sentiment":"neutral","sentiment_score":-0.04143430478870869,"channel":1,"num_words":2,"start":98.335,"end":98.815},{"sentences":[{"text":"it's","start":98.635,"end":98.875,"sentiment":"neutral","sentiment_score":-0.04660659283399582}],"sentiment":"neutral","sentiment_score":-0.04660659283399582,"channel":0,"num_words":1,"start":98.635,"end":98.875},{"sentences":[{"text":"sign.","start":98.815,"end":99.315,"sentiment":"neutral","sentiment_score":-0.05832315236330032}],"sentiment":"neutral","sentiment_score":-0.05832315236330032,"channel":1,"num_words":1,"start":98.815,"end":99.315},{"sentences":[{"text":"a because you know we're talking about you wanted to reduce your life in TPD down to the one point","start":98.875,"end":103.835,"sentiment":"neutral","sentiment_score":-0.06382217667996884}],"sentiment":"neutral","sentiment_score":-0.06382217667996884,"channel":0,"num_words":20,"start":98.875,"end":103.835},{"sentences":[{"text":"Yeah.","start":103.615,"end":104.115,"sentiment":"neutral","sentiment_score":-0.013665388338267803}],"sentiment":"neutral","sentiment_score":-0.013665388338267803,"channel":1,"num_words":1,"start":103.615,"end":104.115},{"sentences":[{"text":"5,000,000.","start":103.835,"end":104.575,"sentiment":"neutral","sentiment_score":-0.004117896780371666}],"sentiment":"neutral","sentiment_score":-0.004117896780371666,"channel":0,"num_words":1,"start":103.835,"end":104.575},{"sentences":[{"text":"Yeah.","start":105.135,"end":105.455,"sentiment":"neutral","sentiment_score":-0.004240664653480053},{"text":"Yeah.","start":105.455,"end":105.615005,"sentiment":"neutral","sentiment_score":-0.010043609887361526},{"text":"I do remember that, but I get the 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o.","start":111.12,"end":115.44,"sentiment":"neutral","sentiment_score":-0.02166468817740679}],"sentiment":"neutral","sentiment_score":-0.0335089520085603,"channel":1,"num_words":28,"start":105.135,"end":115.44},{"sentences":[{"text":"Right?","start":115.44,"end":115.94,"sentiment":"neutral","sentiment_score":-0.017241481691598892}],"sentiment":"neutral","sentiment_score":-0.017241481691598892,"channel":1,"num_words":1,"start":115.44,"end":115.94},{"sentences":[{"text":"Yeah.","start":116.409996,"end":116.909996,"sentiment":"neutral","sentiment_score":-0.056353356689214706}],"sentiment":"neutral","sentiment_score":-0.056353356689214706,"channel":0,"num_words":1,"start":116.409996,"end":116.909996},{"sentences":[{"text":"O d o o.","start":117.68,"end":118.8,"sentiment":"neutral","sentiment_score":-0.08780339732766151},{"text":"I don't think I 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sure","start":133.85,"end":135.23001,"sentiment":"neutral","sentiment_score":-0.22817639708518983}],"sentiment":"neutral","sentiment_score":-0.2990928962826729,"channel":0,"num_words":27,"start":128.745,"end":135.23001},{"sentences":[{"text":"Oh,","start":136.11,"end":136.61,"sentiment":"neutral","sentiment_score":-0.14709094166755676}],"sentiment":"neutral","sentiment_score":-0.14709094166755676,"channel":1,"num_words":1,"start":136.11,"end":136.61},{"sentences":[{"text":"what occurred.","start":136.41,"end":137.21,"sentiment":"neutral","sentiment_score":-0.15473979339003563}],"sentiment":"neutral","sentiment_score":-0.15473979339003563,"channel":0,"num_words":2,"start":136.41,"end":137.21},{"sentences":[{"text":"okay.","start":137.06999,"end":137.56999,"sentiment":"neutral","sentiment_score":-0.04993855953216553}],"sentiment":"neutral","sentiment_score":-0.04993855953216553,"channel":1,"num_words":1,"start":137.06999,"end":137.56999},{"sentences":[{"text":"But, yeah, what I'm gonna do is I'm gonna get the team to resend that to you.","start":137.21,"end":140.65001,"sentiment":"neutral","sentiment_score":0.025992296033484096},{"text":"It obviously hasn't passed the renewal date just yet.","start":140.65001,"end":143.21,"sentiment":"neutral","sentiment_score":-0.2310580611228943},{"text":"So what we'll do is we'll just resend that quote.","start":143.21,"end":145.39,"sentiment":"neutral","sentiment_score":0.038882024213671686},{"text":"And then, yeah, you just gotta ensure to draw the signature.","start":146.435,"end":149.315,"sentiment":"neutral","sentiment_score":0.022108604623512787},{"text":"Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one.","start":149.315,"end":154.135,"sentiment":"neutral","sentiment_score":-0.22801905373732248}],"sentiment":"neutral","sentiment_score":-0.08520645225037109,"channel":0,"num_words":68,"start":137.21,"end":154.135},{"sentences":[{"text":"Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you.","start":154.315,"end":164.795,"sentiment":"neutral","sentiment_score":0.05473117382886509},{"text":"I have that email.","start":164.795,"end":165.855,"sentiment":"neutral","sentiment_score":0.031391129828989506}],"sentiment":"neutral","sentiment_score":0.051396881828882864,"channel":1,"num_words":28,"start":154.315,"end":165.855},{"sentences":[{"text":"Yeah.","start":166.61,"end":167.01,"sentiment":"neutral","sentiment_score":0.03264262154698372},{"text":"Yeah.","start":167.01,"end":167.51,"sentiment":"neutral","sentiment_score":0.04072306305170059},{"text":"Yeah.","start":167.81,"end":168.12999,"sentiment":"neutral","sentiment_score":0.055656008422374725},{"text":"So 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it as well.","start":170.545,"end":171.605,"sentiment":"neutral","sentiment_score":0.14616723731160164},{"text":"I just don't know what happened that there's no signature on the actual document itself.","start":171.665,"end":175.665,"sentiment":"neutral","sentiment_score":-0.1780566891034444},{"text":"So I'm just gonna read, draw that up for you.","start":175.665,"end":177.58499,"sentiment":"neutral","sentiment_score":0.021707479655742646},{"text":"So just so you're aware that it's not a double up, it's just that it the signature is not on it, so I can't submit it without it.","start":177.58499,"end":184.83,"sentiment":"neutral","sentiment_score":-0.14217552276594297},{"text":"So I'm not too sure exactly what happened.","start":184.83,"end":186.93,"sentiment":"neutral","sentiment_score":-0.2331785373389721}],"sentiment":"neutral","sentiment_score":-0.11869922349086175,"channel":0,"num_words":65,"start":170.545,"end":186.93},{"sentences":[{"text":"But that that's 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investment cost can be a little bit higher in certain options, But what you're doing is you're saving that $108 flat membership fee if you were in sort of that strategic managed account.","start":500.155,"end":509.75998,"sentiment":"neutral","sentiment_score":0.2325189701105292},{"text":"Now in terms of, like, the investment option that you're currently in, so you are currently in a a growth option there.","start":510.06,"end":518.955,"sentiment":"neutral","sentiment_score":0.08651919561353597},{"text":"Now that's about an eighty twenty split.","start":519.09503,"end":521.41504,"sentiment":"neutral","sentiment_score":0.045523766960416524}],"sentiment":"neutral","sentiment_score":0.24822759048612875,"channel":0,"num_words":107,"start":488.67,"end":521.41504},{"sentences":[{"text":"Now the difference between that being active and passive and things like that as well does depend on what, like, sort of you have in your account.","start":521.41504,"end":529.195,"sentiment":"neutral","sentiment_score":0.024446088820695877},{"text":"Now the majority of your portfolio is, like, passive index funds.","start":529.5,"end":533.60004,"sentiment":"neutral","sentiment_score":0.02600081197240136},{"text":"Now and then you do have that actively managed account, that Benelung account, which as we both know didn't perform well that had that underlying investment.","start":533.98,"end":541.02,"sentiment":"neutral","sentiment_score":-0.08901290079722038},{"text":"They sort of went really downhill with that.","start":541.02,"end":543.2,"sentiment":"neutral","sentiment_score":-0.30899302661418915},{"text":"But that's not to say that your entire account is active.","start":544.865,"end":547.345,"sentiment":"neutral","sentiment_score":-0.043240962719375435}],"sentiment":"neutral","sentiment_score":-0.05199851679155625,"channel":0,"num_words":83,"start":521.41504,"end":547.345},{"sentences":[{"text":"You have a small portion like a satellite directed towards that to try and outperform that market.","start":547.345,"end":552.46497,"sentiment":"neutral","sentiment_score":-0.002108565148185281},{"text":"Now, obviously, that does carry management risk and higher risk in terms of the fact that they are trying to out form the market.","start":552.46497,"end":559.05,"sentiment":"negative","sentiment_score":-0.390361866603295},{"text":"So you do have those things that do occur much like with Benelon.","start":559.05,"end":562.11005,"sentiment":"neutral","sentiment_score":-0.23986310683763945},{"text":"They made a bad choice, and it did affect their portfolio and performance there","start":562.41003,"end":566.27,"sentiment":"negative","sentiment_score":-0.5198447917188916}],"sentiment":"neutral","sentiment_score":-0.29118496880811806,"channel":0,"num_words":68,"start":547.345,"end":566.27},{"sentences":[{"text":"Yep.","start":566.54004,"end":566.94,"sentiment":"neutral","sentiment_score":-0.16386577486991882},{"text":"Yep.","start":566.94,"end":567.44,"sentiment":"neutral","sentiment_score":-0.05677023530006409}],"sentiment":"neutral","sentiment_score":-0.11031800508499146,"channel":1,"num_words":2,"start":566.54004,"end":567.44},{"sentences":[{"text":"as well.","start":566.97003,"end":567.71,"sentiment":"neutral","sentiment_score":-0.04597345367074013}],"sentiment":"neutral","sentiment_score":-0.04597345367074013,"channel":0,"num_words":2,"start":566.97003,"end":567.71},{"sentences":[{"text":"But that is the only active portfolio on my portfolio, right?","start":567.98004,"end":572.06,"sentiment":"neutral","sentiment_score":-0.11951256814328107},{"text":"Because everything else is all ETFs.","start":572.06,"end":574.4,"sentiment":"neutral","sentiment_score":-0.06012039942046007},{"text":"I keep seeing there are a lot of gold, battery, technology, banking, all those ETFs that","start":575.74005,"end":583.965,"sentiment":"neutral","sentiment_score":0.18321615923196077}],"sentiment":"neutral","sentiment_score":0.03806357277613698,"channel":1,"num_words":33,"start":567.98004,"end":583.965},{"sentences":[{"text":"Yep.","start":583.95996,"end":584.2,"sentiment":"neutral","sentiment_score":0.1619439721107483}],"sentiment":"neutral","sentiment_score":0.1619439721107483,"channel":0,"num_words":1,"start":583.95996,"end":584.2},{"sentences":[{"text":"are invested","start":583.965,"end":584.525,"sentiment":"neutral","sentiment_score":0.17283444106578827}],"sentiment":"neutral","sentiment_score":0.17283444106578827,"channel":1,"num_words":2,"start":583.965,"end":584.525},{"sentences":[{"text":"Correct.","start":584.2,"end":584.7,"sentiment":"neutral","sentiment_score":0.09721623361110689}],"sentiment":"neutral","sentiment_score":0.09721623361110689,"channel":0,"num_words":1,"start":584.2,"end":584.7},{"sentences":[{"text":"in, correct?","start":584.525,"end":585.265,"sentiment":"neutral","sentiment_score":0.08310913480818272}],"sentiment":"neutral","sentiment_score":0.08310913480818272,"channel":1,"num_words":2,"start":584.525,"end":585.265},{"sentences":[{"text":"So they're lower cost ETFs that are passively managed in terms of the indexes they follow.","start":584.83997,"end":590.27997,"sentiment":"neutral","sentiment_score":0.2741259755566716},{"text":"Yes.","start":590.27997,"end":590.77997,"sentiment":"neutral","sentiment_score":0.17514732480049133}],"sentiment":"neutral","sentiment_score":0.26830370198277864,"channel":0,"num_words":17,"start":584.83997,"end":590.77997},{"sentences":[{"text":"Okay.","start":591.08997,"end":591.41,"sentiment":"neutral","sentiment_score":0.137116476893425},{"text":"So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it?","start":591.41,"end":607.485,"sentiment":"neutral","sentiment_score":0.05526111992757495}],"sentiment":"neutral","sentiment_score":0.05721005699819043,"channel":1,"num_words":42,"start":591.08997,"end":607.485},{"sentences":[{"text":"Apart from the bed alone.","start":608.07,"end":609.35004,"sentiment":"neutral","sentiment_score":-0.012750736624002456},{"text":"Yes.","start":609.35004,"end":609.85004,"sentiment":"neutral","sentiment_score":0.04038004204630852}],"sentiment":"neutral","sentiment_score":-0.0038956068456172943,"channel":0,"num_words":6,"start":608.07,"end":609.85004},{"sentences":[{"text":"Apart from the Benelon.","start":609.945,"end":611.08496,"sentiment":"neutral","sentiment_score":0.02517195651307702},{"text":"Exactly.","start":611.225,"end":611.725,"sentiment":"neutral","sentiment_score":0.07042142748832703},{"text":"Okay.","start":612.185,"end":612.505,"sentiment":"neutral","sentiment_score":0.08831083029508591},{"text":"Alright.","start":612.505,"end":613.005,"sentiment":"neutral","sentiment_score":0.11768084764480592},{"text":"So, yeah, so in all of this, what was what do you what do you recommend as an option?","start":613.385,"end":621.79,"sentiment":"neutral","sentiment_score":0.05679562060456527}],"sentiment":"neutral","sentiment_score":0.0560083739602795,"channel":1,"num_words":26,"start":609.945,"end":621.79},{"sentences":[{"text":"Because I lean over to passive.","start":621.79,"end":623.73,"sentiment":"neutral","sentiment_score":0.0037379122028748193},{"text":"I would rather have consistent growth than explosive growth and high risk or exposure to sudden downfalls.","start":624.19,"end":633.715,"sentiment":"neutral","sentiment_score":-0.055301301619585824},{"text":"You know what I mean?","start":633.775,"end":634.995,"sentiment":"neutral","sentiment_score":0.0029024377465248106}],"sentiment":"neutral","sentiment_score":-0.03225651662796736,"channel":1,"num_words":28,"start":621.79,"end":634.995},{"sentences":[{"text":"Yep.","start":635.45996,"end":635.95996,"sentiment":"neutral","sentiment_score":0.09000349044799805}],"sentiment":"neutral","sentiment_score":0.09000349044799805,"channel":0,"num_words":1,"start":635.45996,"end":635.95996},{"sentences":[{"text":"So,","start":636.575,"end":636.895,"sentiment":"neutral","sentiment_score":0.16272014379501343}],"sentiment":"neutral","sentiment_score":0.16272014379501343,"channel":1,"num_words":1,"start":636.575,"end":636.895},{"sentences":[{"text":"Yep.","start":636.66,"end":637.16,"sentiment":"neutral","sentiment_score":0.190913125872612}],"sentiment":"neutral","sentiment_score":0.190913125872612,"channel":0,"num_words":1,"start":636.66,"end":637.16},{"sentences":[{"text":"yeah, I would rather stay in the middle than on any side of the road, frankly.","start":636.895,"end":640.835,"sentiment":"neutral","sentiment_score":0.14936987590044737}],"sentiment":"neutral","sentiment_score":0.14936987590044737,"channel":1,"num_words":16,"start":636.895,"end":640.835},{"sentences":[{"text":"And I I completely agree with the way you sort of view risk and that you do sort of not like the those fluctuations as much that a more passive approach would be sort of in your better interest just in terms of peace of mind, the cost of savings that you would get.","start":640.74,"end":655.34503,"sentiment":"neutral","sentiment_score":0.31468166824844146},{"text":"Now","start":655.565,"end":656.04504,"sentiment":"neutral","sentiment_score":0.1516866534948349}],"sentiment":"neutral","sentiment_score":0.3117181225256486,"channel":0,"num_words":55,"start":640.74,"end":656.04504},{"sentences":[{"text":"Mhmm.","start":655.91003,"end":656.41003,"sentiment":"neutral","sentiment_score":0.14701557159423828}],"sentiment":"neutral","sentiment_score":0.14701557159423828,"channel":1,"num_words":1,"start":655.91003,"end":656.41003},{"sentences":[{"text":"you do also get that in the SMA.","start":656.04504,"end":658.365,"sentiment":"neutral","sentiment_score":0.21988440304994583},{"text":"Now because it is a strategically managed account, they can have active portions.","start":658.365,"end":662.36005,"sentiment":"neutral","sentiment_score":0.2094499789751493},{"text":"Currently, it's all all passive within the SMA.","start":662.36005,"end":665.02,"sentiment":"neutral","sentiment_score":0.19469712860882282},{"text":"You do pay a little bit more in terms of the investment cost, but that's also the benefit of having that SMA there as well is you have the managers at BlackRock and the investment committee here at Oakview that would also review those regularly and then be able to make changes like you were sort of requesting earlier as well","start":665.08,"end":681.92505,"sentiment":"neutral","sentiment_score":0.24687372758740284}],"sentiment":"neutral","sentiment_score":0.23443110403087403,"channel":0,"num_words":90,"start":656.04504,"end":681.92505},{"sentences":[{"text":"Yeah.","start":682.20996,"end":682.70996,"sentiment":"neutral","sentiment_score":0.05539145693182945}],"sentiment":"neutral","sentiment_score":0.05539145693182945,"channel":1,"num_words":1,"start":682.20996,"end":682.70996},{"sentences":[{"text":"when they sort of see changes in the market.","start":682.305,"end":684.145,"sentiment":"neutral","sentiment_score":0.033893595139185585},{"text":"Now you do pay a little bit more for that.","start":684.145,"end":685.825,"sentiment":"neutral","sentiment_score":0.05027402751147747},{"text":"It is managed to a certain degree, but it's not into the sense like a managed portfolio where they're really trying to out on the market currently.","start":685.825,"end":693.18005,"sentiment":"neutral","sentiment_score":0.030514562985411397},{"text":"At the moment, they're just managing those index investments to find sort of, you know, value in the market to be able to change those, see things that are changing, and be able to make adjustments with that as well.","start":693.48004,"end":704.315,"sentiment":"neutral","sentiment_score":0.263356620259583},{"text":"Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well.","start":704.61505,"end":716.075,"sentiment":"neutral","sentiment_score":0.16003182296242033}],"sentiment":"neutral","sentiment_score":0.14683516071108746,"channel":0,"num_words":121,"start":682.305,"end":716.075},{"sentences":[{"text":"Yeah.","start":717.08,"end":717.32,"sentiment":"neutral","sentiment_score":0.08112308382987976},{"text":"Yep.","start":717.32,"end":717.82,"sentiment":"neutral","sentiment_score":0.07572497427463531},{"text":"I'm definitely not leaning towards the active.","start":717.96,"end":720.565,"sentiment":"neutral","sentiment_score":-0.2128631089414869},{"text":"I'm not definitely not leaning towards the active, but","start":725.265,"end":728.885,"sentiment":"neutral","sentiment_score":-0.10194976296689776}],"sentiment":"neutral","sentiment_score":-0.12504119839933184,"channel":1,"num_words":18,"start":717.08,"end":728.885},{"sentences":[{"text":"Yep.","start":728.515,"end":729.015,"sentiment":"neutral","sentiment_score":0.026621654629707336}],"sentiment":"neutral","sentiment_score":0.026621654629707336,"channel":0,"num_words":1,"start":728.515,"end":729.015},{"sentences":[{"text":"what's the other one?","start":730.065,"end":730.945,"sentiment":"neutral","sentiment_score":0.006287608179263771},{"text":"Active and then","start":730.945,"end":732.405,"sentiment":"neutral","sentiment_score":0.012427392105261484}],"sentiment":"neutral","sentiment_score":0.008918944147548504,"channel":1,"num_words":7,"start":730.065,"end":732.405},{"sentences":[{"text":"There's the SMA, which is like it's 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passage.","start":735.76,"end":736.42004,"sentiment":"neutral","sentiment_score":0.017145694233477116}],"sentiment":"neutral","sentiment_score":0.017145694233477116,"channel":1,"num_words":2,"start":735.76,"end":736.42004},{"sentences":[{"text":"it's","start":735.955,"end":736.355,"sentiment":"neutral","sentiment_score":0.03978044539690018}],"sentiment":"neutral","sentiment_score":0.03978044539690018,"channel":0,"num_words":1,"start":735.955,"end":736.355},{"sentences":[{"text":"Yeah.","start":736.48004,"end":736.96,"sentiment":"neutral","sentiment_score":0.08856245875358582}],"sentiment":"neutral","sentiment_score":0.08856245875358582,"channel":1,"num_words":1,"start":736.48004,"end":736.96},{"sentences":[{"text":"yeah.","start":736.83496,"end":737.315,"sentiment":"neutral","sentiment_score":0.09896253049373628}],"sentiment":"neutral","sentiment_score":0.09896253049373628,"channel":0,"num_words":1,"start":736.83496,"end":737.315},{"sentences":[{"text":"Yeah.","start":736.96,"end":737.2,"sentiment":"neutral","sentiment_score":0.10663935542106628},{"text":"Okay.","start":737.2,"end":737.7,"sentiment":"neutral","sentiment_score":0.1263696700334549}],"sentiment":"neutral","sentiment_score":0.11650451272726059,"channel":1,"num_words":2,"start":736.96,"end":737.7},{"sentences":[{"text":"So a passive and the SMA are both passive investments.","start":737.315,"end":741.095,"sentiment":"neutral","sentiment_score":0.14969664961099624},{"text":"One just has the ability for the managers here at OPU and the investment committee to make changes along the way.","start":741.15497,"end":746.85,"sentiment":"neutral","sentiment_score":0.22056431145895095},{"text":"Whereas if you were to update something in that passive option, you would have to go back to advice.","start":746.85,"end":752.20996,"sentiment":"neutral","sentiment_score":-0.08526382203164853},{"text":"We'd have to do a whole document again and things like that as well.","start":752.20996,"end":754.965,"sentiment":"neutral","sentiment_score":-0.0139717414442982}],"sentiment":"neutral","sentiment_score":0.06739375059260055,"channel":0,"num_words":64,"start":737.315,"end":754.965},{"sentences":[{"text":"Okay.","start":755.425,"end":755.925,"sentiment":"neutral","sentiment_score":0.06605805456638336},{"text":"So from the SMI perspective, you said there are BlackRock people sitting shoulder to shoulder with you, and then you guys work together on a strategy.","start":756.22504,"end":765.72003,"sentiment":"neutral","sentiment_score":0.08897451039117116},{"text":"Is that what you said?","start":765.78,"end":766.9,"sentiment":"neutral","sentiment_score":0.03965049982070923},{"text":"Did you just say earlier?","start":766.9,"end":768.44,"sentiment":"neutral","sentiment_score":0.011974538490176202}],"sentiment":"neutral","sentiment_score":0.07128433827814218,"channel":1,"num_words":37,"start":755.425,"end":768.44},{"sentences":[{"text":"Yep.","start":768.57996,"end":768.98,"sentiment":"neutral","sentiment_score":0.06738027185201645},{"text":"So once I think, like, with it being new, I think every sort of month or so they meet, and every quarter they do a review of","start":768.98,"end":777.86,"sentiment":"neutral","sentiment_score":0.06300367552925039}],"sentiment":"neutral","sentiment_score":0.06315998254077775,"channel":0,"num_words":28,"start":768.57996,"end":777.86},{"sentences":[{"text":"Mhmm.","start":777.565,"end":778.065,"sentiment":"neutral","sentiment_score":0.03603237122297287}],"sentiment":"neutral","sentiment_score":0.03603237122297287,"channel":1,"num_words":1,"start":777.565,"end":778.065},{"sentences":[{"text":"the investments.","start":777.86,"end":778.51996,"sentiment":"neutral","sentiment_score":0.029184656217694283},{"text":"Not to say that they'll change anything.","start":778.57996,"end":780.18,"sentiment":"neutral","sentiment_score":0.007198279989617211},{"text":"They just obviously monitor it.","start":780.18,"end":781.38,"sentiment":"neutral","sentiment_score":0.10300062447786332},{"text":"So, basically, the portfolio is getting review at least, like, once a quarter as opposed to opposed to maybe, like, your once every 12 months with your or your six monthly catch up, things like that.","start":781.38,"end":790.75635,"sentiment":"neutral","sentiment_score":0.104913213600715},{"text":"And like I said, yeah, they're working with the investment committee.","start":790.75635,"end":795.0314,"sentiment":"neutral","sentiment_score":0.14421281286261298}],"sentiment":"neutral","sentiment_score":0.09814716435846735,"channel":0,"num_words":61,"start":777.86,"end":795.0314},{"sentences":[{"text":"They'd use their AI software, Aladdin, to be able to research the markets as well, and it is powered a lot through that BlackRock software","start":795.0314,"end":804.88,"sentiment":"neutral","sentiment_score":0.17457479387521743}],"sentiment":"neutral","sentiment_score":0.17457479387521743,"channel":0,"num_words":25,"start":795.0314,"end":804.88},{"sentences":[{"text":"Okay.","start":804.585,"end":805.085,"sentiment":"neutral","sentiment_score":0.05380326509475708}],"sentiment":"neutral","sentiment_score":0.05380326509475708,"channel":1,"num_words":1,"start":804.585,"end":805.085},{"sentences":[{"text":"in terms of that built portfolio.","start":804.94,"end":806.48,"sentiment":"neutral","sentiment_score":0.027660378875831764}],"sentiment":"neutral","sentiment_score":0.027660378875831764,"channel":0,"num_words":6,"start":804.94,"end":806.48},{"sentences":[{"text":"Okay.","start":807.065,"end":807.565,"sentiment":"neutral","sentiment_score":-0.02597171813249588},{"text":"So I'm definitely not leaning towards the SMA.","start":807.625,"end":810.285,"sentiment":"neutral","sentiment_score":-0.28875684179365635},{"text":"There are two two basic things.","start":812.425,"end":814.105,"sentiment":"neutral","sentiment_score":-0.021455456192294758},{"text":"One, I'm working with you and your client.","start":814.105,"end":817.53,"sentiment":"neutral","sentiment_score":0.043236976489424706},{"text":"Two, with SMA as a BlackRock as a third party added to it.","start":819.29004,"end":823.23004,"sentiment":"neutral","sentiment_score":0.017745731255182855}],"sentiment":"neutral","sentiment_score":-0.05244913531674279,"channel":1,"num_words":36,"start":807.065,"end":823.23004},{"sentences":[{"text":"I don't have direct exposure to those people.","start":825.53,"end":827.79004,"sentiment":"neutral","sentiment_score":-0.1571695301681757},{"text":"Or if I have questions or whatever, I'll still go through you guys.","start":828.25,"end":831.37006,"sentiment":"neutral","sentiment_score":-0.025779798841820314},{"text":"Right?","start":831.37006,"end":831.735,"sentiment":"neutral","sentiment_score":-0.03372516483068466},{"text":"So I would rather stick to you guys and work with you.","start":831.975,"end":834.695,"sentiment":"neutral","sentiment_score":0.2633166213830312},{"text":"So SM is definitely out.","start":834.695,"end":836.315,"sentiment":"neutral","sentiment_score":0.22624432742595674}],"sentiment":"neutral","sentiment_score":0.06832826416939497,"channel":1,"num_words":39,"start":825.53,"end":836.315},{"sentences":[{"text":"Active, you will yes.","start":839.175,"end":840.535,"sentiment":"neutral","sentiment_score":0.1110494639724493},{"text":"It does offer potential, but I think it comes at very high cost","start":840.535,"end":846.81,"sentiment":"neutral","sentiment_score":-0.24404257650558764}],"sentiment":"neutral","sentiment_score":-0.16049150815781424,"channel":1,"num_words":17,"start":839.175,"end":846.81},{"sentences":[{"text":"Yep.","start":848.19995,"end":848.69995,"sentiment":"neutral","sentiment_score":-0.07792475074529648}],"sentiment":"neutral","sentiment_score":-0.07792475074529648,"channel":0,"num_words":1,"start":848.19995,"end":848.69995},{"sentences":[{"text":"with the active, if I'm not wrong.","start":848.25,"end":850.02997,"sentiment":"neutral","sentiment_score":-0.12013428977557591},{"text":"The active right now, what is the cost increasing cost?","start":851.13,"end":856.27,"sentiment":"neutral","sentiment_score":-0.22549122869968413},{"text":"Oh, so I'm now let's just talk about that grid on page number eight.","start":856.33,"end":861.525,"sentiment":"neutral","sentiment_score":0.01288547380162137},{"text":"If you have the document open in front of you, I can ask you a direct question from there.","start":862.325,"end":866.745,"sentiment":"neutral","sentiment_score":0.04653714499191234}],"sentiment":"neutral","sentiment_score":-0.04062499854713678,"channel":1,"num_words":50,"start":848.25,"end":866.745},{"sentences":[{"text":"Bear with me.","start":868.23,"end":868.87,"sentiment":"neutral","sentiment_score":0.032660115510225296},{"text":"I'll just bring that one back up there, Kij.","start":868.87,"end":871.21,"sentiment":"neutral","sentiment_score":0.026522070376409426},{"text":"Pay date, did you say?","start":871.83,"end":873.13,"sentiment":"neutral","sentiment_score":0.004810972325503826}],"sentiment":"neutral","sentiment_score":0.02121963773799293,"channel":0,"num_words":17,"start":868.23,"end":873.13},{"sentences":[{"text":"Yep.","start":872.645,"end":873.145,"sentiment":"neutral","sentiment_score":0.05576178431510925},{"text":"Yeah.","start":873.205,"end":873.525,"sentiment":"neutral","sentiment_score":0.056961629539728165},{"text":"Page eight, where it shows a fee structure table between the current and active.","start":873.525,"end":879.79,"sentiment":"neutral","sentiment_score":0.03199888539633581},{"text":"And","start":881.29,"end":881.79,"sentiment":"neutral","sentiment_score":0.048419289290905}],"sentiment":"neutral","sentiment_score":0.03583100580555551,"channel":1,"num_words":17,"start":872.645,"end":881.79},{"sentences":[{"text":"Yep.","start":882.245,"end":882.745,"sentiment":"neutral","sentiment_score":0.06751997023820877}],"sentiment":"neutral","sentiment_score":0.06751997023820877,"channel":0,"num_words":1,"start":882.245,"end":882.745},{"sentences":[{"text":"what I want to understand is even if it is active, it is still with OQ.","start":882.41,"end":885.69,"sentiment":"neutral","sentiment_score":-0.012853771448135376},{"text":"Right?","start":885.69,"end":886.08997,"sentiment":"neutral","sentiment_score":-0.015222679823637009},{"text":"It does not we're just changing the structure of investments from passive to active, right?","start":886.08997,"end":892.76495,"sentiment":"neutral","sentiment_score":-0.07242054467399915},{"text":"But it's still Okview, not Blackhawk, correct?","start":892.76495,"end":895.02496,"sentiment":"neutral","sentiment_score":-0.0429799309266465}],"sentiment":"neutral","sentiment_score":-0.041232069476674765,"channel":1,"num_words":39,"start":882.41,"end":895.02496},{"sentences":[{"text":"So so within even the the SMA, it's not like your funds are with BlackRock per se.","start":895.62,"end":901.77997,"sentiment":"neutral","sentiment_score":-0.12457174194209716},{"text":"They're just part of the committee that helps build and monitor the portfolio.","start":901.77997,"end":905.555,"sentiment":"neutral","sentiment_score":0.03911607182369782},{"text":"Funds are still with us.","start":905.695,"end":907.055,"sentiment":"neutral","sentiment_score":0.014187848567962647},{"text":"They just are in some BlackRock investments similar to, like, the active portion as well.","start":907.055,"end":911.39496,"sentiment":"neutral","sentiment_score":0.0157539002597332},{"text":"Your funds are still all under Oakview Financial.","start":911.535,"end":913.935,"sentiment":"neutral","sentiment_score":0.049219784792512655}],"sentiment":"neutral","sentiment_score":-0.01565870093502875,"channel":0,"num_words":58,"start":895.62,"end":913.935},{"sentences":[{"text":"It's just the investments that are chosen.","start":913.935,"end":915.87,"sentiment":"neutral","sentiment_score":0.06474446931055614},{"text":"So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung.","start":916.19,"end":926.85,"sentiment":"neutral","sentiment_score":0.0673400073805276},{"text":"So Benelung obviously is has in is investing your money, but still your money is all, like, under managed by us.","start":927.15,"end":933.515,"sentiment":"neutral","sentiment_score":-0.03505886439234018},{"text":"Similar with the SMA as well, it's not like we're giving your money off to to BlackRock","start":934.615,"end":939.275,"sentiment":"neutral","sentiment_score":-0.11666436800185372}],"sentiment":"neutral","sentiment_score":0.000294191491660438,"channel":0,"num_words":79,"start":913.935,"end":939.275},{"sentences":[{"text":"Okay.","start":939.35,"end":939.85,"sentiment":"neutral","sentiment_score":-0.006308590993285179}],"sentiment":"neutral","sentiment_score":-0.006308590993285179,"channel":1,"num_words":1,"start":939.35,"end":939.85},{"sentences":[{"text":"to to manage.","start":939.495,"end":940.455,"sentiment":"neutral","sentiment_score":-0.037075371791919075},{"text":"It's it's still under Oakview.","start":940.455,"end":941.97504,"sentiment":"neutral","sentiment_score":0.02794139934703708},{"text":"You're still an Oakview customer.","start":941.97504,"end":943.515,"sentiment":"neutral","sentiment_score":0.10791588425636292},{"text":"Just the the committee itself, you are in some BlackRock investments within that portfolio, that estimate.","start":944.18,"end":949.62,"sentiment":"neutral","sentiment_score":0.03576613892801106},{"text":"Not to say that it will be moving forward.","start":949.62,"end":951.14,"sentiment":"neutral","sentiment_score":-0.10076881903741094}],"sentiment":"neutral","sentiment_score":0.006142083004018978,"channel":0,"num_words":38,"start":939.495,"end":951.14},{"sentences":[{"text":"It's quite fluid in terms of the changes and things like that that we'll make.","start":951.14,"end":954.68,"sentiment":"neutral","sentiment_score":-0.12465256452560425},{"text":"The only thing that BlackRock gets out of that, basically, is by having you in some of those BlackRock investments similar to even if you weren't in the SMA.","start":954.98,"end":962.605,"sentiment":"neutral","sentiment_score":0.026122667152306128},{"text":"If you're in some BlackRock investments, they have investment fees for holding investment","start":962.605,"end":966.605,"sentiment":"neutral","sentiment_score":0.004781531456571359}],"sentiment":"neutral","sentiment_score":-0.018422301956697515,"channel":0,"num_words":57,"start":951.14,"end":966.605},{"sentences":[{"text":"Okay.","start":966.3,"end":966.8,"sentiment":"neutral","sentiment_score":0.11975006759166718}],"sentiment":"neutral","sentiment_score":0.11975006759166718,"channel":1,"num_words":1,"start":966.3,"end":966.8},{"sentences":[{"text":"funds as well.","start":966.605,"end":967.585,"sentiment":"neutral","sentiment_score":0.14828665057818094},{"text":"So it's still no matter what option you choose, you're still an Oakview customer.","start":967.885,"end":971.325,"sentiment":"neutral","sentiment_score":0.22899190336465836},{"text":"Your funds are still with Oakview and still managed by Oakview.","start":971.325,"end":975.19995,"sentiment":"neutral","sentiment_score":0.17738764529878442}],"sentiment":"neutral","sentiment_score":0.20007181061165674,"channel":0,"num_words":28,"start":966.605,"end":975.19995},{"sentences":[{"text":"Okay.","start":975.95496,"end":976.355,"sentiment":"neutral","sentiment_score":0.027812348678708076},{"text":"So what is my risk exposure if I'm with back BlackRock?","start":976.355,"end":979.735,"sentiment":"neutral","sentiment_score":-0.07772719589146701},{"text":"What I'm what I don't understand is for 100% of my money that is invested with you guys through Hub twenty four, What is my risk exposure with BlackRock?","start":980.435,"end":992.97,"sentiment":"neutral","sentiment_score":-0.18676418014641466},{"text":"That is what I don't understand because the risks that I mentioned here, right, like market risk, manager risk, liquidity risk, manager risk is one that I'm concerned about.","start":993.11,"end":1002.25,"sentiment":"neutral","sentiment_score":-0.3123981639229018}],"sentiment":"neutral","sentiment_score":-0.21861278263053724,"channel":1,"num_words":70,"start":975.95496,"end":1002.25},{"sentences":[{"text":"Yep.","start":1002.57,"end":1003.07,"sentiment":"neutral","sentiment_score":-0.0501478910446167}],"sentiment":"neutral","sentiment_score":-0.0501478910446167,"channel":0,"num_words":1,"start":1002.57,"end":1003.07},{"sentences":[{"text":"Excuse me.","start":1009.17505,"end":1009.575,"sentiment":"neutral","sentiment_score":-0.08605235815048218},{"text":"Transition risk, well, the money could fit in cash for a little while.","start":1009.575,"end":1013.09503,"sentiment":"neutral","sentiment_score":-0.13363633419458681},{"text":"That is what I understand.","start":1013.09503,"end":1014.23505,"sentiment":"neutral","sentiment_score":-0.08979135006666183}],"sentiment":"neutral","sentiment_score":-0.11791669055819512,"channel":1,"num_words":20,"start":1009.17505,"end":1014.23505},{"sentences":[{"text":"Yep.","start":1014.585,"end":1015.085,"sentiment":"neutral","sentiment_score":-0.02707570418715477}],"sentiment":"neutral","sentiment_score":-0.02707570418715477,"channel":0,"num_words":1,"start":1014.585,"end":1015.085},{"sentences":[{"text":"Operational risk.","start":1014.695,"end":1015.73505,"sentiment":"neutral","sentiment_score":-0.08092300221323967},{"text":"Yeah.","start":1015.73505,"end":1015.97504,"sentiment":"neutral","sentiment_score":-0.048377104103565216},{"text":"So operational risk is something between since it is between Oakview and BlackRock and it's, let's say, once every quarter that the team meets and discusses all SMA accounts with them.","start":1015.97504,"end":1028.29,"sentiment":"neutral","sentiment_score":-0.041631537699891676},{"text":"What is my risk exposure?","start":1029.87,"end":1031.25,"sentiment":"neutral","sentiment_score":-0.07871142476797104},{"text":"Am I going in a very high growth kind of a thing with because","start":1032.005,"end":1036.585,"sentiment":"neutral","sentiment_score":-0.15365476586988994}],"sentiment":"neutral","sentiment_score":-0.0763306532687736,"channel":1,"num_words":53,"start":1014.695,"end":1036.585},{"sentences":[{"text":"No.","start":1036.455,"end":1036.695,"sentiment":"neutral","sentiment_score":-0.16217228770256042},{"text":"You'd","start":1036.695,"end":1037.015,"sentiment":"neutral","sentiment_score":-0.17305020987987518}],"sentiment":"neutral","sentiment_score":-0.1676112487912178,"channel":0,"num_words":2,"start":1036.455,"end":1037.015},{"sentences":[{"text":"in","start":1036.8049,"end":1037.125,"sentiment":"neutral","sentiment_score":-0.16450108587741852}],"sentiment":"neutral","sentiment_score":-0.16450108587741852,"channel":1,"num_words":1,"start":1036.8049,"end":1037.125},{"sentences":[{"text":"still","start":1037.015,"end":1037.255,"sentiment":"neutral","sentiment_score":-0.1640940010547638}],"sentiment":"neutral","sentiment_score":-0.1640940010547638,"channel":0,"num_words":1,"start":1037.015,"end":1037.255},{"sentences":[{"text":"the","start":1037.125,"end":1037.605,"sentiment":"neutral","sentiment_score":-0.16299760341644287}],"sentiment":"neutral","sentiment_score":-0.16299760341644287,"channel":1,"num_words":1,"start":1037.125,"end":1037.605},{"sentences":[{"text":"be","start":1037.255,"end":1037.755,"sentiment":"neutral","sentiment_score":-0.10992431640625}],"sentiment":"neutral","sentiment_score":-0.10992431640625,"channel":0,"num_words":1,"start":1037.255,"end":1037.755},{"sentences":[{"text":"yeah.","start":1037.855,"end":1038.355,"sentiment":"neutral","sentiment_score":-0.0994453877210617}],"sentiment":"neutral","sentiment_score":-0.0994453877210617,"channel":1,"num_words":1,"start":1037.855,"end":1038.355},{"sentences":[{"text":"within your, like, allocated risk profile.","start":1038.135,"end":1040.9349,"sentiment":"neutral","sentiment_score":-0.08676076928774516},{"text":"It would aim to be around that that eighty twenty split.","start":1040.9349,"end":1044.695,"sentiment":"neutral","sentiment_score":-0.04824035885659131},{"text":"I'll just see what it actually came out to with the the breakdown there.","start":1044.695,"end":1048.54,"sentiment":"neutral","sentiment_score":0.0006549082962529999},{"text":"So you'd still be in line with your risk profile.","start":1048.54,"end":1050.7001,"sentiment":"neutral","sentiment_score":0.035286234319210054},{"text":"We'd be looking at for the the SMA, you'd actually","start":1050.7001,"end":1055.18,"sentiment":"neutral","sentiment_score":-0.038550150208175184}],"sentiment":"neutral","sentiment_score":-0.021072137370413423,"channel":0,"num_words":51,"start":1038.135,"end":1055.18},{"sentences":[{"text":"70","start":1055.1001,"end":1055.6001,"sentiment":"neutral","sentiment_score":-0.052872322499752045}],"sentiment":"neutral","sentiment_score":-0.052872322499752045,"channel":1,"num_words":1,"start":1055.1001,"end":1055.6001},{"sentences":[{"text":"be a little","start":1055.18,"end":1055.74,"sentiment":"neutral","sentiment_score":-0.07383267333110173}],"sentiment":"neutral","sentiment_score":-0.07383267333110173,"channel":0,"num_words":3,"start":1055.18,"end":1055.74},{"sentences":[{"text":"eight","start":1055.66,"end":1055.9,"sentiment":"neutral","sentiment_score":-0.08694015443325043}],"sentiment":"neutral","sentiment_score":-0.08694015443325043,"channel":1,"num_words":1,"start":1055.66,"end":1055.9},{"sentences":[{"text":"less","start":1055.74,"end":1055.9,"sentiment":"neutral","sentiment_score":-0.10229047387838364}],"sentiment":"neutral","sentiment_score":-0.10229047387838364,"channel":0,"num_words":1,"start":1055.74,"end":1055.9},{"sentences":[{"text":"21.","start":1055.9,"end":1056.8,"sentiment":"neutral","sentiment_score":0.00962686538696289}],"sentiment":"neutral","sentiment_score":0.00962686538696289,"channel":1,"num_words":1,"start":1055.9,"end":1056.8},{"sentences":[{"text":"exposed.","start":1055.9,"end":1056.4,"sentiment":"neutral","sentiment_score":-0.12574604153633118},{"text":"Yep.","start":1057.5801,"end":1057.9801,"sentiment":"neutral","sentiment_score":0.035730645060539246},{"text":"Exactly.","start":1057.9801,"end":1058.38,"sentiment":"neutral","sentiment_score":0.04503664001822472},{"text":"So you'd have a little bit less allocated to actual growth assets.","start":1058.38,"end":1058.9629,"sentiment":"neutral","sentiment_score":-0.024880670321484406},{"text":"So, technically, you'd be a little bit actual growth assets.","start":1058.9629,"end":1061.565,"sentiment":"neutral","sentiment_score":0.011907667666673661}],"sentiment":"neutral","sentiment_score":-0.00897880494594574,"channel":0,"num_words":25,"start":1055.9,"end":1061.565},{"sentences":[{"text":"So, technically, you'd be a little bit dialing it back in terms of your level of risk, and then you will also not have a managed fund risk.","start":1061.565,"end":1069.885,"sentiment":"neutral","sentiment_score":0.015367678233555384},{"text":"Now in terms of, like, obviously, BlackRock and Oakview as investment committees review those investments and make changes, much like the investment committee that makes changes to these portfolios, the investment committee here has the approved product list.","start":1069.885,"end":1083.13,"sentiment":"neutral","sentiment_score":0.06445056131403697},{"text":"If anything, they've just got a little bit more backing through BlackRock.","start":1083.13,"end":1086.3501,"sentiment":"neutral","sentiment_score":0.07445349870249629},{"text":"Now all the investments under that SMA aren't like BlackRock investments.","start":1086.49,"end":1090.465,"sentiment":"neutral","sentiment_score":0.033654259856451645},{"text":"There's certain, like, iShares and things like that as well that have just been been chosen due to the the lower cost of those and then their past performance, you know, future outlooks that they've built.","start":1090.465,"end":1101.93,"sentiment":"neutral","sentiment_score":0.15020288330399328}],"sentiment":"neutral","sentiment_score":0.0764028716981411,"channel":0,"num_words":125,"start":1061.565,"end":1101.93},{"sentences":[{"text":"Now in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy.","start":1102.41,"end":1111.8501,"sentiment":"neutral","sentiment_score":0.059925044886767864},{"text":"So in terms of, like, geopolitical risks, you know, being diversified across different geographical locations and things like that as well, it is quite strict to criteria and what they actually can change.","start":1111.8501,"end":1122.6849,"sentiment":"neutral","sentiment_score":-0.07229945791715925},{"text":"They can't just,","start":1122.6849,"end":1123.325,"sentiment":"neutral","sentiment_score":-0.18364659448464712}],"sentiment":"neutral","sentiment_score":-0.019670634967042133,"channel":0,"num_words":64,"start":1102.41,"end":1123.325},{"sentences":[{"text":"Okay.","start":1123.285,"end":1123.785,"sentiment":"neutral","sentiment_score":-0.1637987196445465}],"sentiment":"neutral","sentiment_score":-0.1637987196445465,"channel":1,"num_words":1,"start":1123.285,"end":1123.785},{"sentences":[{"text":"like, you know, sell you all down and put you all into, like, one fund and things like that.","start":1123.325,"end":1128.0,"sentiment":"neutral","sentiment_score":-0.20152717044478968},{"text":"They are quite strict.","start":1128.24,"end":1129.2,"sentiment":"neutral","sentiment_score":-0.29719968140125275},{"text":"And if anything, BlackRock would be stricter to adhering to those allocations than","start":1129.2,"end":1134.48,"sentiment":"neutral","sentiment_score":-0.16235958498257858}],"sentiment":"neutral","sentiment_score":-0.19801359913415378,"channel":0,"num_words":36,"start":1123.325,"end":1134.48},{"sentences":[{"text":"Okay.","start":1134.3501,"end":1134.8501,"sentiment":"neutral","sentiment_score":-0.06817831844091415}],"sentiment":"neutral","sentiment_score":-0.06817831844091415,"channel":1,"num_words":1,"start":1134.3501,"end":1134.8501},{"sentences":[{"text":"say, you know, a smaller sort of firm being able to monitor those and make changes and things like that as well.","start":1134.48,"end":1141.035,"sentiment":"neutral","sentiment_score":-0.06395568546246398}],"sentiment":"neutral","sentiment_score":-0.06395568546246398,"channel":0,"num_words":22,"start":1134.48,"end":1141.035},{"sentences":[{"text":"Okay.","start":1141.4049,"end":1141.8049,"sentiment":"neutral","sentiment_score":0.02598513849079609},{"text":"So basically, with BlackRock, with with an SMA type of an account, I will just call it type of an account.","start":1141.8049,"end":1149.085,"sentiment":"neutral","sentiment_score":0.031859925016760826},{"text":"Right?","start":1149.085,"end":1149.325,"sentiment":"neutral","sentiment_score":0.04681435599923134},{"text":"It","start":1149.325,"end":1149.485,"sentiment":"neutral","sentiment_score":0.0526786744594574}],"sentiment":"neutral","sentiment_score":0.03310569142922759,"channel":1,"num_words":24,"start":1141.4049,"end":1149.485},{"sentences":[{"text":"Yep.","start":1149.355,"end":1149.855,"sentiment":"neutral","sentiment_score":0.09135763347148897}],"sentiment":"neutral","sentiment_score":0.09135763347148897,"channel":0,"num_words":1,"start":1149.355,"end":1149.855},{"sentences":[{"text":"is still a type of an account with you guys.","start":1149.485,"end":1151.52,"sentiment":"neutral","sentiment_score":0.06265342980623245}],"sentiment":"neutral","sentiment_score":0.06265342980623245,"channel":1,"num_words":10,"start":1149.485,"end":1151.52},{"sentences":[{"text":"Yep.","start":1151.115,"end":1151.615,"sentiment":"neutral","sentiment_score":0.14897072315216064},{"text":"Yep.","start":1151.755,"end":1151.995,"sentiment":"neutral","sentiment_score":0.2632395029067993},{"text":"That's good.","start":1151.995,"end":1152.7151,"sentiment":"positive","sentiment_score":0.524929866194725},{"text":"Yep.","start":1152.7151,"end":1153.05,"sentiment":"neutral","sentiment_score":0.19673308730125427}],"sentiment":"neutral","sentiment_score":0.3317606091499329,"channel":0,"num_words":5,"start":1151.115,"end":1153.05},{"sentences":[{"text":"Yeah.","start":1153.36,"end":1153.4401,"sentiment":"neutral","sentiment_score":0.1204969733953476},{"text":"Isn't it?","start":1153.4401,"end":1154.0801,"sentiment":"neutral","sentiment_score":0.020964477211236954},{"text":"So if if if SMA is involved, what I see is the exposure is pretty much it is actually even better because right now, the current is at an eightytwenty split.","start":1154.0801,"end":1166.015,"sentiment":"neutral","sentiment_score":-0.011562897192855035},{"text":"This will be a 70 eighttwenty two or 70 ninetwenty one split with the SMA.","start":1166.015,"end":1172.675,"sentiment":"neutral","sentiment_score":0.04480402544140816},{"text":"With the current, we are set to a that is how I started with you guys.","start":1173.855,"end":1181.39,"sentiment":"neutral","sentiment_score":0.07826909539289773}],"sentiment":"neutral","sentiment_score":0.026589877273027713,"channel":1,"num_words":65,"start":1153.36,"end":1181.39},{"sentences":[{"text":"I was set on a yearly update.","start":1181.39,"end":1183.65,"sentiment":"neutral","sentiment_score":0.052129335435373444},{"text":"However, 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BlackRock.","start":1206.03,"end":1218.255,"sentiment":"neutral","sentiment_score":-0.14734292204181354},{"text":"They do all those calculations where they just change it in the background.","start":1218.255,"end":1222.655,"sentiment":"neutral","sentiment_score":-0.04392257218177502},{"text":"So when you buy into an SMA, they're the fund managers of that SMA, and you just hold the SMA.","start":1222.655,"end":1229.2151,"sentiment":"neutral","sentiment_score":0.010384151549078523},{"text":"So, technically, you only hold that one underlying asset within that is much like a managed account.","start":1229.2151,"end":1234.1,"sentiment":"neutral","sentiment_score":0.01617806010386523},{"text":"You hold multiple ETFs, multiple things like that as well.","start":1234.1,"end":1237.64,"sentiment":"neutral","sentiment_score":0.03575179185718298}],"sentiment":"neutral","sentiment_score":-0.06058282818024357,"channel":0,"num_words":105,"start":1206.03,"end":1237.64},{"sentences":[{"text":"But they 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market and internally, it is just like a mutual fund, isn't it?","start":1299.9299,"end":1314.855,"sentiment":"neutral","sentiment_score":-0.04544671706673575},{"text":"Where we are investing all our funds in and they're the ones deciding how much they're exposing to active versus defensive kind of things and they decide which equities to invest and ETFs to invest in and things like that, right?","start":1314.855,"end":1331.41,"sentiment":"neutral","sentiment_score":0.03790553613770299}],"sentiment":"neutral","sentiment_score":-0.003551886657650551,"channel":1,"num_words":89,"start":1297.5299,"end":1331.41},{"sentences":[{"text":"Yeah.","start":1332.015,"end":1332.335,"sentiment":"neutral","sentiment_score":0.03064323402941227},{"text":"And and currently, it is all passive.","start":1332.335,"end":1334.495,"sentiment":"neutral","sentiment_score":-0.005778908197368894},{"text":"Not to say that that would, like, it might change in the the the 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sort of view what's in there because it can be changing, like, as you sort of go along as well.","start":1354.135,"end":1361.835,"sentiment":"neutral","sentiment_score":-0.11898755368131858}],"sentiment":"neutral","sentiment_score":-0.007011126552242786,"channel":0,"num_words":64,"start":1344.78,"end":1361.835},{"sentences":[{"text":"Right.","start":1362.615,"end":1363.115,"sentiment":"neutral","sentiment_score":0.06117603182792664},{"text":"So, okay.","start":1363.415,"end":1365.255,"sentiment":"neutral","sentiment_score":0.1073014885187149},{"text":"So my exposure to taxation or cost on my super is low because I'll be just buying certain units of that estimate, and they're doing everything internally for buying and selling.","start":1365.255,"end":1377.62,"sentiment":"neutral","sentiment_score":0.13549609554390754},{"text":"So I do not have that.","start":1377.62,"end":1378.58,"sentiment":"neutral","sentiment_score":-0.027523114656408627},{"text":"I'm abstracted or protected from all 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in that document, so that's not actually listed there in terms of","start":1731.59,"end":1739.7051,"sentiment":"neutral","sentiment_score":0.015236100826699}],"sentiment":"neutral","sentiment_score":0.025421644345198464,"channel":0,"num_words":41,"start":1727.11,"end":1739.7051},{"sentences":[{"text":"Okay.","start":1739.68,"end":1740.18,"sentiment":"neutral","sentiment_score":0.008053687401115894}],"sentiment":"neutral","sentiment_score":0.008053687401115894,"channel":1,"num_words":1,"start":1739.68,"end":1740.18},{"sentences":[{"text":"that.","start":1739.7051,"end":1740.2051,"sentiment":"neutral","sentiment_score":0.011156965047121048},{"text":"Yeah.","start":1740.505,"end":1741.005,"sentiment":"neutral","sentiment_score":0.02428603544831276},{"text":"So, obviously, just on that strategy paper there, it just gives you the breakdowns.","start":1741.305,"end":1744.925,"sentiment":"neutral","sentiment_score":0.035823622452361245},{"text":"But yeah.","start":1745.145,"end":1746.21,"sentiment":"neutral","sentiment_score":0.01961873285472393},{"text":"And then across that, so those fees are based on, like, a 60 a $60.40 split between Bloom and Evergreen.","start":1746.21,"end":1752.21,"sentiment":"neutral","sentiment_score":0.03877926822751761}],"sentiment":"neutral","sentiment_score":0.035573593291797136,"channel":0,"num_words":38,"start":1739.7051,"end":1752.21},{"sentences":[{"text":"I just didn't put that down, unfortunately.","start":1752.21,"end":1753.97,"sentiment":"neutral","sentiment_score":-0.14526345900126866},{"text":"Sorry for that.","start":1753.97,"end":1754.53,"sentiment":"neutral","sentiment_score":-0.14556540797154108},{"text":"Good.","start":1754.53,"end":1755.03,"sentiment":"neutral","sentiment_score":0.12502871453762054}],"sentiment":"neutral","sentiment_score":-0.12077379294417122,"channel":0,"num_words":11,"start":1752.21,"end":1755.03},{"sentences":[{"text":"Okay.","start":1754.965,"end":1755.2849,"sentiment":"neutral","sentiment_score":-0.003737935796380043},{"text":"Because are you reading this somewhere else?","start":1755.2849,"end":1756.965,"sentiment":"neutral","sentiment_score":-0.05036744635019984},{"text":"Because I don't see this.","start":1756.965,"end":1757.9249,"sentiment":"neutral","sentiment_score":-0.11848137825727463},{"text":"This is not in the document, right, what you're saying?","start":1757.9249,"end":1760.105,"sentiment":"neutral","sentiment_score":-0.11385501250624656}],"sentiment":"neutral","sentiment_score":-0.09075074246072251,"channel":1,"num_words":23,"start":1754.965,"end":1760.105},{"sentences":[{"text":"Yeah.","start":1759.825,"end":1760.065,"sentiment":"neutral","sentiment_score":-0.04900525510311127},{"text":"Yeah.","start":1760.065,"end":1760.225,"sentiment":"neutral","sentiment_score":-0.05369051545858383},{"text":"No.","start":1760.225,"end":1760.385,"sentiment":"neutral","sentiment_score":-0.1270490288734436},{"text":"That's not in the doc 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SMA,","start":1792.3601,"end":1798.54,"sentiment":"neutral","sentiment_score":0.04465920424887112}],"sentiment":"neutral","sentiment_score":0.04465920424887112,"channel":1,"num_words":14,"start":1792.3601,"end":1798.54},{"sentences":[{"text":"Yep.","start":1799.0701,"end":1799.5701,"sentiment":"neutral","sentiment_score":0.1472334265708923}],"sentiment":"neutral","sentiment_score":0.1472334265708923,"channel":0,"num_words":1,"start":1799.0701,"end":1799.5701},{"sentences":[{"text":"I look at the current SMA active and 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Kj.","start":1819.9801,"end":1822.9401,"sentiment":"neutral","sentiment_score":0.15313592677315077},{"text":"But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay.","start":1822.9401,"end":1832.055,"sentiment":"positive","sentiment_score":0.3616551747245173}],"sentiment":"neutral","sentiment_score":0.28505626731381123,"channel":0,"num_words":49,"start":1819.9801,"end":1832.055},{"sentences":[{"text":"Yep.","start":1832.625,"end":1833.125,"sentiment":"neutral","sentiment_score":0.28179317712783813}],"sentiment":"neutral","sentiment_score":0.28179317712783813,"channel":1,"num_words":1,"start":1832.625,"end":1833.125},{"sentences":[{"text":"But it is to be mindful that that's just because over the past sort of five years as well, the market have been doing really well post COVID in terms of, like, being on an upwards 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here within liaison with BlackRock.","start":2062.265,"end":2067.965,"sentiment":"neutral","sentiment_score":0.1319416711727778}],"sentiment":"neutral","sentiment_score":0.18328968254583222,"channel":0,"num_words":70,"start":2045.34,"end":2067.965},{"sentences":[{"text":"So it's like an overview portfolio SMA powered by BlackRock with the goal of going public at some point down the track.","start":2068.35,"end":2075.4102,"sentiment":"neutral","sentiment_score":0.25097960843281314}],"sentiment":"neutral","sentiment_score":0.25097960843281314,"channel":0,"num_words":22,"start":2068.35,"end":2075.4102},{"sentences":[{"text":"Okay.","start":2076.01,"end":2076.4102,"sentiment":"neutral","sentiment_score":0.09268559515476228},{"text":"Now I understand where this is coming.","start":2076.4102,"end":2078.1702,"sentiment":"neutral","sentiment_score":0.06802009791135788},{"text":"All of this is coming from.","start":2078.1702,"end":2079.29,"sentiment":"neutral","sentiment_score":0.08470202485720317},{"text":"So it's a product internally","start":2079.29,"end":2080.59,"sentiment":"neutral","sentiment_score":0.11551116704940796}],"sentiment":"neutral","sentiment_score":0.08708390868023823,"channel":1,"num_words":19,"start":2076.01,"end":2080.59},{"sentences":[{"text":"Yep.","start":2080.765,"end":2081.265,"sentiment":"neutral","sentiment_score":0.1193804144859314}],"sentiment":"neutral","sentiment_score":0.1193804144859314,"channel":0,"num_words":1,"start":2080.765,"end":2081.265},{"sentences":[{"text":"worked in collaboration with BlackRock.","start":2081.69,"end":2083.55,"sentiment":"neutral","sentiment_score":0.13027242720127105},{"text":"Okay.","start":2083.61,"end":2084.055,"sentiment":"neutral","sentiment_score":0.03907286375761032},{"text":"And we are we are kind of so how long has this SME been alive 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investments","start":2141.5352,"end":2142.175,"sentiment":"neutral","sentiment_score":-0.045882921665906906}],"sentiment":"neutral","sentiment_score":-0.045882921665906906,"channel":0,"num_words":2,"start":2141.5352,"end":2142.175},{"sentences":[{"text":"right.","start":2141.74,"end":2142.24,"sentiment":"neutral","sentiment_score":-0.01033240556716919}],"sentiment":"neutral","sentiment_score":-0.01033240556716919,"channel":1,"num_words":1,"start":2141.74,"end":2142.24},{"sentences":[{"text":"that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA.","start":2142.175,"end":2150.655,"sentiment":"neutral","sentiment_score":0.1813381776727479},{"text":"They haven't just, like, built it based off individual shares.","start":2150.655,"end":2154.0,"sentiment":"neutral","sentiment_score":0.09868287853896618},{"text":"They've started, you know, with those index funds.","start":2154.0,"end":2156.32,"sentiment":"neutral","sentiment_score":0.10629011131823063},{"text":"They might move to more managed funds.","start":2156.32,"end":2157.6802,"sentiment":"neutral","sentiment_score":0.1344324712242399},{"text":"They might hold some direct shares in the future, things like that as well.","start":2157.6802,"end":2160.8801,"sentiment":"neutral","sentiment_score":0.21486503524439676}],"sentiment":"neutral","sentiment_score":0.16242786206524162,"channel":0,"num_words":68,"start":2142.175,"end":2160.8801},{"sentences":[{"text":"That's up to the direction of the investment committee and how they wanna build it moving forward as 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no","start":2187.62,"end":2188.44,"sentiment":"neutral","sentiment_score":-0.08858545497059822}],"sentiment":"neutral","sentiment_score":0.01806752498333271,"channel":1,"num_words":13,"start":2184.2148,"end":2188.44},{"sentences":[{"text":"So it's in collaboration with BlackRock and 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investments within that fund.","start":2193.165,"end":2196.925,"sentiment":"neutral","sentiment_score":0.008879044558852911},{"text":"But as far as the money itself, it's still held and managed by Oakview.","start":2196.925,"end":2200.465,"sentiment":"neutral","sentiment_score":-0.01620369777083397}],"sentiment":"neutral","sentiment_score":-0.00708270056003874,"channel":0,"num_words":22,"start":2193.165,"end":2200.465},{"sentences":[{"text":"Okay.","start":2200.765,"end":2201.2449,"sentiment":"neutral","sentiment_score":0.06182404235005379}],"sentiment":"neutral","sentiment_score":0.06182404235005379,"channel":1,"num_words":1,"start":2200.765,"end":2201.2449},{"sentences":[{"text":"And 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doing.","start":2241.56,"end":2244.54,"sentiment":"neutral","sentiment_score":0.058187693623559814}],"sentiment":"neutral","sentiment_score":0.07260176676380284,"channel":0,"num_words":68,"start":2227.8152,"end":2244.54},{"sentences":[{"text":"But in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could.","start":2245.425,"end":2254.645,"sentiment":"neutral","sentiment_score":-0.05019848281517625},{"text":"But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well.","start":2255.105,"end":2262.72,"sentiment":"neutral","sentiment_score":0.1538123825771941}],"sentiment":"neutral","sentiment_score":0.05780726945137277,"channel":0,"num_words":68,"start":2245.425,"end":2262.72},{"sentences":[{"text":"Yep.","start":2263.225,"end":2263.545,"sentiment":"neutral","sentiment_score":0.09133568406105042},{"text":"Yep.","start":2263.545,"end":2264.045,"sentiment":"neutral","sentiment_score":0.11519755423069},{"text":"So okay.","start":2264.105,"end":2265.005,"sentiment":"neutral","sentiment_score":0.17767245322465897},{"text":"I I I'm I'm trying to get to this as quick as possible, but do you please bear with me.","start":2265.625,"end":2273.22,"sentiment":"neutral","sentiment_score":0.0034878209931775927},{"text":"I went through the statements and I see a lot of tax being deducted.","start":2274.4,"end":2279.94,"sentiment":"neutral","sentiment_score":-0.18378146152411187}],"sentiment":"neutral","sentiment_score":-0.051086997282446214,"channel":1,"num_words":38,"start":2263.225,"end":2279.94},{"sentences":[{"text":"It's always for the money that is being","start":2280.0,"end":2282.0,"sentiment":"neutral","sentiment_score":-0.015237338840961456}],"sentiment":"neutral","sentiment_score":-0.015237338840961456,"channel":1,"num_words":8,"start":2280.0,"end":2282.0},{"sentences":[{"text":"Yep.","start":2281.7551,"end":2282.2551,"sentiment":"neutral","sentiment_score":-0.011478087864816189}],"sentiment":"neutral","sentiment_score":-0.011478087864816189,"channel":0,"num_words":1,"start":2281.7551,"end":2282.2551},{"sentences":[{"text":"invested in or sold and then we buy something else in place of that.","start":2282.0,"end":2285.68,"sentiment":"neutral","sentiment_score":-0.004049984472138541},{"text":"Right?","start":2285.68,"end":2286.045,"sentiment":"neutral","sentiment_score":0.08028805255889893}],"sentiment":"neutral","sentiment_score":0.0015725513299306233,"channel":1,"num_words":15,"start":2282.0,"end":2286.045},{"sentences":[{"text":"With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more.","start":2287.21,"end":2300.675,"sentiment":"neutral","sentiment_score":0.15175111459720195},{"text":"And it's generally sort of at the end of each month if there's enough sort of allocated cash from your contributions going in that they do those those buys and and sells to rebalance it slightly.","start":2300.675,"end":2311.0151,"sentiment":"neutral","sentiment_score":0.1530613988224003}],"sentiment":"neutral","sentiment_score":0.15230605850434478,"channel":0,"num_words":85,"start":2287.21,"end":2311.0151},{"sentences":[{"text":"Mhmm.","start":2310.74,"end":2311.06,"sentiment":"neutral","sentiment_score":0.003288833424448967},{"text":"Exactly.","start":2311.06,"end":2311.56,"sentiment":"neutral","sentiment_score":0.013711429201066494}],"sentiment":"neutral","sentiment_score":0.00850013131275773,"channel":1,"num_words":2,"start":2310.74,"end":2311.56},{"sentences":[{"text":"But it's","start":2311.3152,"end":2312.0552,"sentiment":"neutral","sentiment_score":-0.04862374998629093}],"sentiment":"neutral","sentiment_score":-0.04862374998629093,"channel":0,"num_words":2,"start":2311.3152,"end":2312.0552},{"sentences":[{"text":"For every transaction, there'll be some tax going 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well.","start":2318.24,"end":2322.66,"sentiment":"neutral","sentiment_score":-0.03590816921657986},{"text":"Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and","start":2323.76,"end":2339.055,"sentiment":"neutral","sentiment_score":0.21904600257018828}],"sentiment":"neutral","sentiment_score":0.15440973366650057,"channel":0,"num_words":71,"start":2318.24,"end":2339.055},{"sentences":[{"text":"Mhmm.","start":2338.9,"end":2339.4,"sentiment":"neutral","sentiment_score":0.17540958523750305}],"sentiment":"neutral","sentiment_score":0.17540958523750305,"channel":1,"num_words":1,"start":2338.9,"end":2339.4},{"sentences":[{"text":"the way that works.","start":2339.055,"end":2340.015,"sentiment":"neutral","sentiment_score":0.22947756946086884},{"text":"So even though there is still tax associated with that, you know, a managed fund might pay quite a bit more over the the life cycle of it being, like, active and, you know, the buyers and sales and the cost and sales and the changes as opposed to an SMA, if you just hold that one SMA, the the capital gains is generally lower as well over a longer period of time.","start":2340.015,"end":2364.945,"sentiment":"neutral","sentiment_score":0.06860302137338543}],"sentiment":"neutral","sentiment_score":0.0769601407545534,"channel":0,"num_words":77,"start":2339.055,"end":2364.945},{"sentences":[{"text":"Right.","start":2365.6602,"end":2365.98,"sentiment":"neutral","sentiment_score":0.07061972469091415},{"text":"Okay.","start":2365.98,"end":2366.3,"sentiment":"neutral","sentiment_score":-0.0016089193522930143},{"text":"So that's what I wanted to understand.","start":2366.3,"end":2368.0,"sentiment":"neutral","sentiment_score":0.040892310972724645},{"text":"Capital gains, gain taxes, hidden cost or hidden expenditure, you know.","start":2368.22,"end":2373.195,"sentiment":"neutral","sentiment_score":-0.034546354446898804}],"sentiment":"neutral","sentiment_score":-0.0012376458384096623,"channel":1,"num_words":20,"start":2365.6602,"end":2373.195},{"sentences":[{"text":"Yep.","start":2373.9,"end":2374.4,"sentiment":"neutral","sentiment_score":0.11036446690559389}],"sentiment":"neutral","sentiment_score":0.11036446690559389,"channel":0,"num_words":1,"start":2373.9,"end":2374.4},{"sentences":[{"text":"Alright.","start":2374.155,"end":2374.655,"sentiment":"neutral","sentiment_score":0.21800991892814636},{"text":"So that means okay.","start":2375.0352,"end":2380.955,"sentiment":"neutral","sentiment_score":0.2792201563715935},{"text":"And if I go with an SMA, do I have a choice to roll back from an SMA if I don't like something?","start":2380.955,"end":2385.5352,"sentiment":"neutral","sentiment_score":-0.09583038415597833}],"sentiment":"neutral","sentiment_score":-0.031043153256177902,"channel":1,"num_words":28,"start":2374.155,"end":2385.5352},{"sentences":[{"text":"Yeah.","start":2386.555,"end":2386.875,"sentiment":"neutral","sentiment_score":0.09664535522460938},{"text":"So with that, the the funds that carry across even currently from your current portfolio into the SMA, they still get in in species transferred.","start":2386.875,"end":2394.495,"sentiment":"neutral","sentiment_score":0.10987581521272659},{"text":"So any funds that match up with the funds that are actually in the SMA, they just carry across to the SMA.","start":2395.1,"end":2400.4,"sentiment":"neutral","sentiment_score":0.17917758294127203},{"text":"Now in terms of the ones that don't, it would just be like selling out and moving out.","start":2400.86,"end":2405.74,"sentiment":"neutral","sentiment_score":-0.19165975973010063},{"text":"You're not locked in by any means, but, obviously, you still gotta pay the liable taxes and things like that if the investments change much like, you know, anything.","start":2405.74,"end":2413.675,"sentiment":"neutral","sentiment_score":-0.26096687337447855}],"sentiment":"neutral","sentiment_score":-0.044552288871062426,"channel":0,"num_words":95,"start":2386.555,"end":2413.675},{"sentences":[{"text":"Okay.","start":2414.695,"end":2415.0952,"sentiment":"neutral","sentiment_score":-0.04633789509534836},{"text":"Okay.","start":2415.0952,"end":2415.495,"sentiment":"neutral","sentiment_score":-0.02335416153073311},{"text":"So does that mean we're going to take a hit on selling Benelon and then moving into SMA if I choose to go with an SMA?","start":2415.495,"end":2422.6,"sentiment":"neutral","sentiment_score":-0.19056209434683508}],"sentiment":"neutral","sentiment_score":-0.17943951820156404,"channel":1,"num_words":28,"start":2414.695,"end":2422.6},{"sentences":[{"text":"So at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently.","start":2423.67,"end":2433.45,"sentiment":"neutral","sentiment_score":-0.24561703821708417},{"text":"So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost.","start":2433.83,"end":2438.595,"sentiment":"neutral","sentiment_score":-0.11411963858538204},{"text":"That is offset of, like that's with the offset of the the loss with the Benelon.","start":2439.2349,"end":2443.4949,"sentiment":"neutral","sentiment_score":-0.10414935508742929},{"text":"Now if you went to, like, the active portion because a lot of the portfolio is staying the same, we're just changing likely the active portion and a few other the tweaks and rebalancing a bit.","start":2443.555,"end":2453.19,"sentiment":"neutral","sentiment_score":-0.022831186134782102},{"text":"It is a lot lower.","start":2453.3499,"end":2454.15,"sentiment":"neutral","sentiment_score":0.05735254734754562}],"sentiment":"neutral","sentiment_score":-0.10940958892640013,"channel":0,"num_words":104,"start":2423.67,"end":2454.15},{"sentences":[{"text":"It's around the 300.","start":2454.15,"end":2455.19,"sentiment":"neutral","sentiment_score":0.062077542301267385},{"text":"And then if you went to the passive option, it would be a $500 CGT.","start":2455.19,"end":2459.29,"sentiment":"neutral","sentiment_score":0.059283468127250674},{"text":"That's because a lot of the portfolio would remain the same.","start":2459.43,"end":2462.55,"sentiment":"neutral","sentiment_score":0.13508519327098673},{"text":"The core would remain the same.","start":2462.55,"end":2464.5698,"sentiment":"neutral","sentiment_score":0.17917197942733765},{"text":"It would","start":2465.03,"end":2465.3499,"sentiment":"neutral","sentiment_score":0.08220507204532623}],"sentiment":"neutral","sentiment_score":0.10165635099340427,"channel":0,"num_words":38,"start":2454.15,"end":2465.3499},{"sentences":[{"text":"Mhmm.","start":2465.1848,"end":2465.6848,"sentiment":"neutral","sentiment_score":0.0528414323925972}],"sentiment":"neutral","sentiment_score":0.0528414323925972,"channel":1,"num_words":1,"start":2465.1848,"end":2465.6848},{"sentences":[{"text":"just be a few a few changes and updates to make it a fully passive portfolio, which would do in turn to come from those active portions and the one that weren't performing too well.","start":2465.3499,"end":2475.2349,"sentiment":"neutral","sentiment_score":0.0345380995954786},{"text":"Whereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying 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amount.","start":2490.165,"end":2500.16,"sentiment":"neutral","sentiment_score":-0.2612188665994576}],"sentiment":"neutral","sentiment_score":-0.22673417733290768,"channel":1,"num_words":33,"start":2485.3901,"end":2500.16},{"sentences":[{"text":"Alright.","start":2500.16,"end":2500.66,"sentiment":"neutral","sentiment_score":0.0872565507888794},{"text":"Okay.","start":2501.0398,"end":2501.5398,"sentiment":"neutral","sentiment_score":0.16708296537399292},{"text":"I think moving to the SMA probably makes sense.","start":2502.48,"end":2505.7598,"sentiment":"positive","sentiment_score":0.35719919204711914},{"text":"I see that you're kind of recommending that not saying it though, but you're kind of hinting towards an SMA is a better option to go with because it gets reviewed every quarter instead of we reviewing it once a year.","start":2505.7598,"end":2518.955,"sentiment":"neutral","sentiment_score":0.2641306007053794},{"text":"And if there's a review quarterly, then we have to go through a lot of advice preparation again.","start":2519.415,"end":2523.975,"sentiment":"neutral","sentiment_score":0.07857430188192262}],"sentiment":"neutral","sentiment_score":0.22446891867688723,"channel":1,"num_words":70,"start":2500.16,"end":2523.975},{"sentences":[{"text":"I have to be involved, lot of signing","start":2523.975,"end":2527.275,"sentiment":"neutral","sentiment_score":0.0008041979745030403}],"sentiment":"neutral","sentiment_score":0.0008041979745030403,"channel":1,"num_words":8,"start":2523.975,"end":2527.275},{"sentences":[{"text":"Lot of","start":2527.02,"end":2527.66,"sentiment":"neutral","sentiment_score":0.03972572460770607}],"sentiment":"neutral","sentiment_score":0.03972572460770607,"channel":0,"num_words":2,"start":2527.02,"end":2527.66},{"sentences":[{"text":"this 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I feel like the SMA, like, obviously, without, you know, putting it together and advice piece probably best suits you and your needs in terms of, like, not only, like, what you're getting out of it, but in terms of just, like, for ease of mind and your lifestyle and, you know, what you wanna get out of, you know, your investments as well.","start":2531.58,"end":2549.335,"sentiment":"positive","sentiment_score":0.35251773251936985},{"text":"But the passive's still an option that's more than suitable for your needs depending on if you wanna go down that route as well.","start":2549.795,"end":2556.4001,"sentiment":"neutral","sentiment_score":0.3298150630046924}],"sentiment":"positive","sentiment_score":0.3438292383319802,"channel":0,"num_words":90,"start":2531.18,"end":2556.4001},{"sentences":[{"text":"Right.","start":2557.6301,"end":2557.87,"sentiment":"neutral","sentiment_score":0.15712518990039823},{"text":"And if I go through the passive, where are the investments going to be?","start":2557.87,"end":2561.33,"sentiment":"neutral","sentiment_score":0.010114237400037902},{"text":"Just the way they are right now, or are we moving to something some other product?","start":2561.55,"end":2565.97,"sentiment":"neutral","sentiment_score":-0.03793878527358174}],"sentiment":"neutral","sentiment_score":-0.009945033899238032,"channel":1,"num_words":31,"start":2557.6301,"end":2565.97},{"sentences":[{"text":"So if you were to do just, like, a passive option there as well, it would be largely like, a lot of the call would remain the same.","start":2567.095,"end":2574.7952,"sentiment":"neutral","sentiment_score":0.06471684628299304},{"text":"And then with that, there would be some changes to the exposures with a few of the more satellites, but your S and P 500 would stay largely unchanged.","start":2575.895,"end":2585.88,"sentiment":"neutral","sentiment_score":0.0006999031415787237},{"text":"A few of your alternate outside The US and things like that would change slightly.","start":2586.26,"end":2590.76,"sentiment":"neutral","sentiment_score":-0.046327464779218036},{"text":"But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same.","start":2591.46,"end":2602.475,"sentiment":"neutral","sentiment_score":0.059702386981562564}],"sentiment":"neutral","sentiment_score":0.030964978369460865,"channel":0,"num_words":110,"start":2567.095,"end":2602.475},{"sentences":[{"text":"Okay.","start":2604.195,"end":2604.695,"sentiment":"neutral","sentiment_score":0.1461159586906433},{"text":"Alright.","start":2604.835,"end":2605.335,"sentiment":"neutral","sentiment_score":0.22869297862052915},{"text":"That definitely puts me in a spot between the passive and the SMA.","start":2607.39,"end":2611.49,"sentiment":"neutral","sentiment_score":0.2392344314318437},{"text":"Yep.","start":2611.7898,"end":2612.2898,"sentiment":"neutral","sentiment_score":0.3093309998512268}],"sentiment":"neutral","sentiment_score":0.23713672161102295,"channel":1,"num_words":16,"start":2604.195,"end":2612.2898},{"sentences":[{"text":"Yeah.","start":2613.4302,"end":2613.75,"sentiment":"positive","sentiment_score":0.38200628757476807},{"text":"And you don't have to make a decision on the spot.","start":2613.75,"end":2615.9102,"sentiment":"neutral","sentiment_score":0.2715550044720823},{"text":"You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments.","start":2615.9102,"end":2626.2148,"sentiment":"positive","sentiment_score":0.45422447051690973},{"text":"It's not a a huge rush.","start":2626.275,"end":2627.9548,"sentiment":"neutral","sentiment_score":0.198653278251489},{"text":"You've, you know, you've had a few weeks already.","start":2627.9548,"end":2629.555,"sentiment":"neutral","sentiment_score":0.17107003264957005}],"sentiment":"positive","sentiment_score":0.36979434169726827,"channel":0,"num_words":73,"start":2613.4302,"end":2629.555},{"sentences":[{"text":"What's a couple more days for you to be able to digest the information a little bit as well?","start":2629.555,"end":2633.49,"sentiment":"neutral","sentiment_score":0.1660061611940986}],"sentiment":"neutral","sentiment_score":0.1660061611940986,"channel":0,"num_words":19,"start":2629.555,"end":2633.49},{"sentences":[{"text":"Yeah.","start":2634.5498,"end":2634.7898,"sentiment":"neutral","sentiment_score":0.1488335281610489},{"text":"I would prob yeah.","start":2634.7898,"end":2635.8298,"sentiment":"neutral","sentiment_score":0.20456814393401146},{"text":"That's a good option.","start":2635.8298,"end":2637.8499,"sentiment":"positive","sentiment_score":0.584483727812767},{"text":"I'll probably try and through the week, spend some time tonight also to go through the PDF and understand a little more.","start":2637.91,"end":2644.41,"sentiment":"neutral","sentiment_score":0.251839161596515},{"text":"But I am I am leading towards the SMA because of a quarterly review.","start":2646.47,"end":2652.385,"sentiment":"neutral","sentiment_score":0.12271765725953239}],"sentiment":"neutral","sentiment_score":0.23474555048677656,"channel":1,"num_words":45,"start":2634.5498,"end":2652.385},{"sentences":[{"text":"It's a better review to have and preempt some moves than suffer a loss.","start":2652.385,"end":2657.845,"sentiment":"neutral","sentiment_score":0.08913329749235085},{"text":"And, I mean, I I feel this SMA is a little more proactive than reactive.","start":2658.145,"end":2663.125,"sentiment":"neutral","sentiment_score":0.14015974899133046}],"sentiment":"neutral","sentiment_score":0.11552628964699548,"channel":1,"num_words":29,"start":2652.385,"end":2663.125},{"sentences":[{"text":"Yeah.","start":2664.48,"end":2664.98,"sentiment":"neutral","sentiment_score":0.06412823498249054}],"sentiment":"neutral","sentiment_score":0.06412823498249054,"channel":0,"num_words":1,"start":2664.48,"end":2664.98},{"sentences":[{"text":"And the active and passive and the current are more reactive because that's like a yearly thing that we do.","start":2665.2,"end":2671.84,"sentiment":"neutral","sentiment_score":0.06196920592337847},{"text":"Right?","start":2671.84,"end":2672.16,"sentiment":"neutral","sentiment_score":0.07224332541227341},{"text":"A review and then go through that admin work if we need","start":2672.16,"end":2674.96,"sentiment":"neutral","sentiment_score":0.06001220798740784}],"sentiment":"neutral","sentiment_score":0.06156890726450718,"channel":1,"num_words":33,"start":2665.2,"end":2674.96},{"sentences":[{"text":"Yeah.","start":2674.895,"end":2675.395,"sentiment":"neutral","sentiment_score":0.0033814990893006325}],"sentiment":"neutral","sentiment_score":0.0033814990893006325,"channel":0,"num_words":1,"start":2674.895,"end":2675.395},{"sentences":[{"text":"any changes.","start":2674.96,"end":2675.7,"sentiment":"neutral","sentiment_score":-0.01028925646096468}],"sentiment":"neutral","sentiment_score":-0.01028925646096468,"channel":1,"num_words":2,"start":2674.96,"end":2675.7},{"sentences":[{"text":"Exactly.","start":2676.4148,"end":2676.895,"sentiment":"neutral","sentiment_score":0.05340573191642761},{"text":"And, like, although super is like a longer term game, obviously, you know, it doesn't hurt to review it like this may may go a few years without even making a change because","start":2676.895,"end":2685.55,"sentiment":"neutral","sentiment_score":-0.025303329369335464}],"sentiment":"neutral","sentiment_score":-0.022988356978577727,"channel":0,"num_words":34,"start":2676.4148,"end":2685.55},{"sentences":[{"text":"Yeah.","start":2685.375,"end":2685.875,"sentiment":"neutral","sentiment_score":-0.0028000399470329285}],"sentiment":"neutral","sentiment_score":-0.0028000399470329285,"channel":1,"num_words":1,"start":2685.375,"end":2685.875},{"sentences":[{"text":"the markets are doing well.","start":2685.55,"end":2686.93,"sentiment":"neutral","sentiment_score":0.021701668202877045},{"text":"But if they see something that they're forecasting coming, it means they can change it for a lot more people.","start":2687.15,"end":2691.71,"sentiment":"neutral","sentiment_score":0.015217946469783783},{"text":"Like, obviously, you know, we try and pick it up if we're doing quarterly reviews, yearly reviews, and things like that.","start":2691.71,"end":2696.51,"sentiment":"neutral","sentiment_score":0.01702780072532949},{"text":"But you may fall outside of something that is occurring, like,","start":2696.51,"end":2699.615,"sentiment":"neutral","sentiment_score":-0.17529052834619174}],"sentiment":"neutral","sentiment_score":-0.020311310985370687,"channel":0,"num_words":57,"start":2685.55,"end":2699.615},{"sentences":[{"text":"Yeah.","start":2699.8398,"end":2700.3398,"sentiment":"neutral","sentiment_score":-0.1954823136329651}],"sentiment":"neutral","sentiment_score":-0.1954823136329651,"channel":1,"num_words":1,"start":2699.8398,"end":2700.3398},{"sentences":[{"text":"politically, that's outside of the scope and, you know, it is like","start":2699.995,"end":2703.995,"sentiment":"neutral","sentiment_score":-0.2728442847728729}],"sentiment":"neutral","sentiment_score":-0.2728442847728729,"channel":0,"num_words":12,"start":2699.995,"end":2703.995},{"sentences":[{"text":"Alright.","start":2703.995,"end":2704.495,"sentiment":"neutral","sentiment_score":-0.07223926484584808}],"sentiment":"neutral","sentiment_score":-0.07223926484584808,"channel":1,"num_words":1,"start":2703.995,"end":2704.495},{"sentences":[{"text":"a smaller firm as well.","start":2703.995,"end":2705.195,"sentiment":"neutral","sentiment_score":-0.0890750326216221},{"text":"So it's harder to, you know, be able to to call you up, let you know what's happening without sort of just working through everyone because it comes up as it comes up sort of thing.","start":2705.195,"end":2713.3499,"sentiment":"negative","sentiment_score":-0.3977583021753364},{"text":"Whereas the SMA, they're doing it not just for the SMA.","start":2713.3499,"end":2716.8699,"sentiment":"neutral","sentiment_score":0.015095328065482054},{"text":"It's everyone in the SMA, which can encompass a larger group or portion of the book.","start":2716.8699,"end":2721.6099,"sentiment":"neutral","sentiment_score":0.04903401713818312}],"sentiment":"neutral","sentiment_score":-0.20314825233072042,"channel":0,"num_words":68,"start":2703.995,"end":2721.6099},{"sentences":[{"text":"Right.","start":2722.7002,"end":2723.2002,"sentiment":"neutral","sentiment_score":0.09717606753110886},{"text":"So, alright.","start":2723.5,"end":2724.8,"sentiment":"neutral","sentiment_score":0.17025629431009293},{"text":"So with the SMA, I'm leading towards the SMA.","start":2724.86,"end":2727.6802,"sentiment":"neutral","sentiment_score":0.22068204316827986},{"text":"Last few questions.","start":2728.4602,"end":2729.52,"sentiment":"neutral","sentiment_score":0.0861215591430664},{"text":"All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever.","start":2730.5151,"end":2742.595,"sentiment":"neutral","sentiment_score":0.13451692146750596}],"sentiment":"neutral","sentiment_score":0.1507227239085407,"channel":1,"num_words":41,"start":2722.7002,"end":2742.595},{"sentences":[{"text":"So you're recommending","start":2742.595,"end":2743.475,"sentiment":"neutral","sentiment_score":0.3056160807609558}],"sentiment":"neutral","sentiment_score":0.3056160807609558,"channel":1,"num_words":3,"start":2742.595,"end":2743.475},{"sentences":[{"text":"Yeah.","start":2743.06,"end":2743.56,"sentiment":"positive","sentiment_score":0.35798072814941406}],"sentiment":"positive","sentiment_score":0.35798072814941406,"channel":0,"num_words":1,"start":2743.06,"end":2743.56},{"sentences":[{"text":"the Blue and the Evergreen.","start":2743.475,"end":2744.695,"sentiment":"positive","sentiment_score":0.38188177943229673},{"text":"What is the investment size from your side in 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is invested in these since their inception?","start":2756.4502,"end":2766.365,"sentiment":"neutral","sentiment_score":0.0786195864280065}],"sentiment":"neutral","sentiment_score":0.09887861679582034,"channel":1,"num_words":34,"start":2754.53,"end":2766.365},{"sentences":[{"text":"So, like, the the actual funds themselves, how much is in them currently?","start":2768.05,"end":2771.91,"sentiment":"neutral","sentiment_score":0.021288069538198985}],"sentiment":"neutral","sentiment_score":0.021288069538198985,"channel":0,"num_words":13,"start":2768.05,"end":2771.91},{"sentences":[{"text":"Yeah.","start":2772.665,"end":2773.11,"sentiment":"neutral","sentiment_score":-0.03274780139327049}],"sentiment":"neutral","sentiment_score":-0.03274780139327049,"channel":1,"num_words":1,"start":2772.665,"end":2773.11},{"sentences":[{"text":"I wouldn't be able to see exactly what's in it currently in terms of, like, a 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couldn't actually tell you the the exact number that's in the individual sort of SMAs currently though, but it is sort of in its earliest stages and in growing.","start":2811.465,"end":2819.59,"sentiment":"neutral","sentiment_score":-0.01392262460043033}],"sentiment":"neutral","sentiment_score":0.050487249306794525,"channel":0,"num_words":69,"start":2798.27,"end":2819.59},{"sentences":[{"text":"Okay.","start":2820.735,"end":2821.215,"sentiment":"neutral","sentiment_score":0.1464526653289795},{"text":"Okay.","start":2821.215,"end":2821.455,"sentiment":"neutral","sentiment_score":0.15100346505641937},{"text":"So it's it's pretty fresh, pretty new.","start":2821.455,"end":2823.7751,"sentiment":"neutral","sentiment_score":0.16880637726613454},{"text":"And if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year.","start":2823.7751,"end":2833.74,"sentiment":"neutral","sentiment_score":-0.017093374434372654},{"text":"Are these projections or are these returns that have been","start":2833.74,"end":2837.2,"sentiment":"neutral","sentiment_score":-0.015994668379426}],"sentiment":"neutral","sentiment_score":0.022047773225321657,"channel":1,"num_words":42,"start":2820.735,"end":2837.2},{"sentences":[{"text":"That","start":2837.04,"end":2837.54,"sentiment":"neutral","sentiment_score":-0.02180832251906395}],"sentiment":"neutral","sentiment_score":-0.02180832251906395,"channel":0,"num_words":1,"start":2837.04,"end":2837.54},{"sentences":[{"text":"received in the last few years?","start":2837.3398,"end":2838.96,"sentiment":"neutral","sentiment_score":-0.09007069716850917}],"sentiment":"neutral","sentiment_score":-0.09007069716850917,"channel":1,"num_words":6,"start":2837.3398,"end":2838.96},{"sentences":[{"text":"that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames.","start":2839.44,"end":2846.48,"sentiment":"neutral","sentiment_score":-0.1428108473236744},{"text":"Otherwise, we couldn't do it.","start":2846.48,"end":2848.1,"sentiment":"negative","sentiment_score":-0.38387919664382936},{"text":"Now, and as they make changes, it actually becomes a lot harder to do those past projections because you've gotta take into account the fact that, you know, this investment was only in there for a year and then it wasn't and then, like, obviously, as a change of scope, it actually becomes a bit of a a projection or past performance nightmare.","start":2848.4001,"end":2865.37,"sentiment":"negative","sentiment_score":-0.4252567726468283},{"text":"But currently, all the assets held under that portfolio have existed for those time frames, which is why we're able based on those past performances, what that would project out to be taken into account the the fees associated with that as","start":2865.37,"end":2878.935,"sentiment":"neutral","sentiment_score":-0.14047146375690187}],"sentiment":"neutral","sentiment_score":-0.2817901188836378,"channel":0,"num_words":136,"start":2839.44,"end":2878.935},{"sentences":[{"text":"Alright.","start":2880.535,"end":2881.035,"sentiment":"neutral","sentiment_score":-0.008479580283164978},{"text":"Okay.","start":2881.095,"end":2881.59,"sentiment":"neutral","sentiment_score":0.011452727019786836}],"sentiment":"neutral","sentiment_score":0.0014865733683109292,"channel":1,"num_words":2,"start":2880.535,"end":2881.59},{"sentences":[{"text":"well.","start":2881.495,"end":2881.895,"sentiment":"neutral","sentiment_score":0.01821262575685978},{"text":"Yeah.","start":2881.895,"end":2882.2952,"sentiment":"neutral","sentiment_score":-0.0035240743309259415},{"text":"Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment.","start":2882.2952,"end":2890.075,"sentiment":"neutral","sentiment_score":-0.24120117317546497}],"sentiment":"neutral","sentiment_score":-0.22048905243476233,"channel":0,"num_words":24,"start":2881.495,"end":2890.075},{"sentences":[{"text":"Okay.","start":2891.35,"end":2891.85,"sentiment":"neutral","sentiment_score":-0.03681387007236481},{"text":"Okay.","start":2892.1501,"end":2892.6501,"sentiment":"neutral","sentiment_score":-0.022453034296631813},{"text":"Yeah.","start":2895.03,"end":2895.4302,"sentiment":"neutral","sentiment_score":-0.006633348762989044},{"text":"Alright.","start":2895.4302,"end":2895.9302,"sentiment":"neutral","sentiment_score":0.03794662281870842},{"text":"I have all the information I need currently before I have more questions, 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risk.","start":2936.075,"end":2937.195,"sentiment":"neutral","sentiment_score":-0.22021377459168434},{"text":"Does it not mean high growth is high risk?","start":2937.195,"end":2939.13,"sentiment":"neutral","sentiment_score":-0.2328232063187493}],"sentiment":"neutral","sentiment_score":-0.17200427664362866,"channel":1,"num_words":23,"start":2933.835,"end":2939.13},{"sentences":[{"text":"In a sense, but also no.","start":2940.565,"end":2942.18,"sentiment":"neutral","sentiment_score":-0.09522942577799161},{"text":"So within regards to that, it just means a higher allocation to those growth assets.","start":2942.18,"end":2946.5,"sentiment":"neutral","sentiment_score":0.03211543659369151},{"text":"So even with that eighty twenty, it's 80% growth assets and 20% defensive.","start":2946.5,"end":2950.5198,"sentiment":"neutral","sentiment_score":0.1380794896529271},{"text":"So the growth is anywhere between, you know, shares international versus domestic.","start":2950.98,"end":2955.8052,"sentiment":"neutral","sentiment_score":0.08356768513719241},{"text":"So that includes your S and P 500.","start":2955.8052,"end":2957.645,"sentiment":"neutral","sentiment_score":0.03958721365779638}],"sentiment":"neutral","sentiment_score":0.056016635011743615,"channel":0,"num_words":54,"start":2940.565,"end":2957.645},{"sentences":[{"text":"That's a growth asset.","start":2957.645,"end":2958.7852,"sentiment":"neutral","sentiment_score":0.307530015707016},{"text":"So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset.","start":2959.165,"end":2971.72,"sentiment":"neutral","sentiment_score":0.13589364228149256},{"text":"You don't carry the risk of, like, direct shares currently.","start":2972.1,"end":2975.22,"sentiment":"neutral","sentiment_score":-0.2192865416407585},{"text":"You don't carry that fund manager risk apart from the, you know, the investment committee that makes those active changes if they were to sort of come up.","start":2975.22,"end":2982.375,"sentiment":"neutral","sentiment_score":-0.10377322230488062},{"text":"But in saying that as well, you still have 20% dedicated to, you know, things like cash fixed interest and those sort of bonds that hold that defensive portion because those growth assets over the long terms are the ones that get you that capital growth.","start":2983.255,"end":2996.73,"sentiment":"neutral","sentiment_score":0.29251785754509596}],"sentiment":"neutral","sentiment_score":0.11845824042992557,"channel":0,"num_words":136,"start":2957.645,"end":2996.73},{"sentences":[{"text":"And at the moment as well, they're considering gold to be a growth asset even though it can be considered a bit of a defensive asset as well depending on the markets.","start":2996.81,"end":3005.95,"sentiment":"neutral","sentiment_score":0.09794150735251606},{"text":"So if anything, you might be a tad more defensive in a sense that you do hold gold within that if you were to go with that option as well.","start":3006.17,"end":3014.475,"sentiment":"neutral","sentiment_score":0.11848430285851161}],"sentiment":"neutral","sentiment_score":0.10788156969412681,"channel":0,"num_words":62,"start":2996.81,"end":3014.475},{"sentences":[{"text":"Okay.","start":3016.405,"end":3016.905,"sentiment":"neutral","sentiment_score":0.06204152852296829},{"text":"Alright.","start":3016.965,"end":3017.465,"sentiment":"neutral","sentiment_score":0.06388618797063828},{"text":"And","start":3018.085,"end":3018.565,"sentiment":"neutral","sentiment_score":0.045670654624700546}],"sentiment":"neutral","sentiment_score":0.05719945703943571,"channel":1,"num_words":3,"start":3016.405,"end":3018.565},{"sentences":[{"text":"And 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with it to sort of if you, like, see one like, obviously, the growth and the high growth are in line more with your risk profile and the split between that's to get that eighty twenty.","start":3039.925,"end":3049.2,"sentiment":"neutral","sentiment_score":0.2363285385938578},{"text":"If we","start":3049.44,"end":3049.8398,"sentiment":"neutral","sentiment_score":-0.12862099334597588}],"sentiment":"neutral","sentiment_score":0.22010855939653184,"channel":0,"num_words":45,"start":3039.925,"end":3049.8398},{"sentences":[{"text":"Mhmm.","start":3049.7751,"end":3050.2751,"sentiment":"neutral","sentiment_score":-0.1860174536705017}],"sentiment":"neutral","sentiment_score":-0.1860174536705017,"channel":1,"num_words":1,"start":3049.7751,"end":3050.2751},{"sentences":[{"text":"sort of jig that a little bit because you wanna go, you know, a little bit more to a balance or you wanna have a bit more in the, you know, the higher growth obviously, if you split across more than two, it gets a little bit higher in terms of cost, so I wouldn't sort of recommend that.","start":3049.8398,"end":3063.38,"sentiment":"negative","sentiment_score":-0.37176071764048885}],"sentiment":"negative","sentiment_score":-0.37176071764048885,"channel":0,"num_words":59,"start":3049.8398,"end":3063.38},{"sentences":[{"text":"Okay.","start":3063.095,"end":3063.595,"sentiment":"neutral","sentiment_score":-0.09514855593442915}],"sentiment":"neutral","sentiment_score":-0.09514855593442915,"channel":1,"num_words":1,"start":3063.095,"end":3063.595},{"sentences":[{"text":"But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well.","start":3063.435,"end":3072.235,"sentiment":"neutral","sentiment_score":0.0954384883685458},{"text":"It just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to 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I'll probably reply to this email itself what my decision is, if that's alright.","start":3138.02,"end":3148.36,"sentiment":"neutral","sentiment_score":0.23799297852175577}],"sentiment":"neutral","sentiment_score":0.23799297852175577,"channel":1,"num_words":28,"start":3138.02,"end":3148.36},{"sentences":[{"text":"Yeah.","start":3148.355,"end":3148.675,"sentiment":"neutral","sentiment_score":0.12177486717700958},{"text":"No.","start":3148.675,"end":3148.835,"sentiment":"neutral","sentiment_score":0.07502835988998413},{"text":"That's perfectly fine, kid.","start":3148.835,"end":3149.875,"sentiment":"neutral","sentiment_score":0.24459602683782578},{"text":"Even if you wanna have another chat, that's more than fine as 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insurances, but I'll double check.","start":3177.5051,"end":3181.205,"sentiment":"neutral","sentiment_score":-0.04272397439926863}],"sentiment":"neutral","sentiment_score":-0.04272397439926863,"channel":0,"num_words":10,"start":3177.5051,"end":3181.205},{"sentences":[{"text":"Because it just says withdrawal.","start":3183.535,"end":3184.9949,"sentiment":"neutral","sentiment_score":-0.04782756417989731},{"text":"It does not say anything else.","start":3185.055,"end":3186.915,"sentiment":"neutral","sentiment_score":-0.07881290279328823},{"text":"And I pulled in a document for the last year, twenty four to twenty five financial year, and it shows a withdrawal in the month of March.","start":3187.615,"end":3202.4202,"sentiment":"neutral","sentiment_score":-0.04069166209686686},{"text":"Twenty four twenty four twenty four twenty four twenty five, January, February, and there you go, March.","start":3204.855,"end":3211.7551,"sentiment":"neutral","sentiment_score":0.001081205137512263},{"text":"When was that?","start":3217.67,"end":3218.65,"sentiment":"neutral","sentiment_score":-0.02743153211971124}],"sentiment":"neutral","sentiment_score":-0.03232076247062149,"channel":1,"num_words":58,"start":3183.535,"end":3218.65},{"sentences":[{"text":"So the amount is 3,000 something, and I'm not sure why was there a withdrawal in that month.","start":3219.19,"end":3226.41,"sentiment":"neutral","sentiment_score":-0.3125116262171004}],"sentiment":"neutral","sentiment_score":-0.3125116262171004,"channel":1,"num_words":18,"start":3219.19,"end":3226.41},{"sentences":[{"text":"I'm just confirming because I'll just have a look.","start":3233.8,"end":3237.1802,"sentiment":"neutral","sentiment_score":0.0838875582234727}],"sentiment":"neutral","sentiment_score":0.0838875582234727,"channel":0,"num_words":9,"start":3233.8,"end":3237.1802},{"sentences":[{"text":"I thought I'm on Hump '24 yesterday.","start":3236.735,"end":3240.115,"sentiment":"neutral","sentiment_score":-0.032092824046100886}],"sentiment":"neutral","sentiment_score":-0.032092824046100886,"channel":1,"num_words":7,"start":3236.735,"end":3240.115},{"sentences":[{"text":"Because I dare say it's just the insurance costs.","start":3244.615,"end":3248.7148,"sentiment":"neutral","sentiment_score":-0.20257967048221165}],"sentiment":"neutral","sentiment_score":-0.20257967048221165,"channel":0,"num_words":9,"start":3244.615,"end":3248.7148},{"sentences":[{"text":"It does not.","start":3249.83,"end":3250.63,"sentiment":"neutral","sentiment_score":-0.3035680254300435},{"text":"And that's that's the reason why I'm a little confused why the see, it's it's on the super contributions.","start":3250.63,"end":3255.77,"sentiment":"neutral","sentiment_score":-0.23807580063217565},{"text":"Right?","start":3255.91,"end":3256.41,"sentiment":"neutral","sentiment_score":-0.018054472282528877},{"text":"So you will see contributions, and","start":3256.71,"end":3261.165,"sentiment":"neutral","sentiment_score":-0.0014228825457394123}],"sentiment":"neutral","sentiment_score":-0.18830124330546322,"channel":1,"num_words":29,"start":3249.83,"end":3261.165},{"sentences":[{"text":"Yeah.","start":3261.11,"end":3261.61,"sentiment":"neutral","sentiment_score":0.03149861842393875}],"sentiment":"neutral","sentiment_score":0.03149861842393875,"channel":0,"num_words":1,"start":3261.11,"end":3261.61},{"sentences":[{"text":"you'll see a rollout on the nineteenth of some month in '24 and or rollover, whatever it is called.","start":3261.165,"end":3268.4648,"sentiment":"neutral","sentiment_score":0.06169662144231169},{"text":"Then you'll see concessional, concessional, concessional, concessional, and a withdrawal in the middle.","start":3268.525,"end":3273.06,"sentiment":"neutral","sentiment_score":0.03593858403082077},{"text":"So it just stands out in my face, you know, when it does that.","start":3273.3801,"end":3277.8,"sentiment":"neutral","sentiment_score":-0.01393056527844497},{"text":"I don't remember what screen I was on, unfortunately.","start":3278.6602,"end":3281.48,"sentiment":"neutral","sentiment_score":-0.20153997341791788},{"text":"I'll try and log in.","start":3285.7,"end":3286.935,"sentiment":"neutral","sentiment_score":-0.07290501594543457}],"sentiment":"neutral","sentiment_score":-0.012232922576367855,"channel":1,"num_words":60,"start":3261.165,"end":3286.935},{"sentences":[{"text":"Yes.","start":3310.3699,"end":3310.8499,"sentiment":"neutral","sentiment_score":0.04742400348186493},{"text":"So on the nineteenth to the third was your premium due date minus your 15% rebate, which comes out to the $3,084.81, which lines up with that that rollover amount deducted","start":3310.8499,"end":3329.41,"sentiment":"neutral","sentiment_score":0.08225344638189962}],"sentiment":"neutral","sentiment_score":0.08116502629127353,"channel":0,"num_words":32,"start":3310.3699,"end":3329.41},{"sentences":[{"text":"Was","start":3329.67,"end":3329.91,"sentiment":"neutral","sentiment_score":0.026175621896982193}],"sentiment":"neutral","sentiment_score":0.026175621896982193,"channel":1,"num_words":1,"start":3329.67,"end":3329.91},{"sentences":[{"text":"for","start":3329.7898,"end":3329.95,"sentiment":"neutral","sentiment_score":0.02220233343541622}],"sentiment":"neutral","sentiment_score":0.02220233343541622,"channel":0,"num_words":1,"start":3329.7898,"end":3329.95},{"sentences":[{"text":"that","start":3329.91,"end":3330.07,"sentiment":"neutral","sentiment_score":0.012449856847524645}],"sentiment":"neutral","sentiment_score":0.012449856847524645,"channel":1,"num_words":1,"start":3329.91,"end":3330.07},{"sentences":[{"text":"the","start":3329.95,"end":3330.1099,"sentiment":"neutral","sentiment_score":0.020901266485452652}],"sentiment":"neutral","sentiment_score":0.020901266485452652,"channel":0,"num_words":1,"start":3329.95,"end":3330.1099},{"sentences":[{"text":"my","start":3330.07,"end":3330.31,"sentiment":"neutral","sentiment_score":0.02439441904425621}],"sentiment":"neutral","sentiment_score":0.02439441904425621,"channel":1,"num_words":1,"start":3330.07,"end":3330.31},{"sentences":[{"text":"trust.","start":3330.1099,"end":3330.6099,"sentiment":"neutral","sentiment_score":0.02372470125555992}],"sentiment":"neutral","sentiment_score":0.02372470125555992,"channel":0,"num_words":1,"start":3330.1099,"end":3330.6099},{"sentences":[{"text":"fourth year deduction by you guys where you get your fees or something?","start":3330.31,"end":3334.17,"sentiment":"neutral","sentiment_score":0.006327081614961991}],"sentiment":"neutral","sentiment_score":0.006327081614961991,"channel":1,"num_words":13,"start":3330.31,"end":3334.17},{"sentences":[{"text":"No.","start":3335.39,"end":3335.71,"sentiment":"neutral","sentiment_score":-0.19827386736869812},{"text":"That was the the policy renewal for your insurances.","start":3335.71,"end":3338.6099,"sentiment":"neutral","sentiment_score":-0.09856037091877726},{"text":"So we obviously get a 22% trailing commission for that.","start":3338.8298,"end":3342.225,"sentiment":"neutral","sentiment_score":0.036289074644446376},{"text":"Our one's a monthly amount that you pay towards us and our pre like, our service.","start":3342.465,"end":3347.5251,"sentiment":"neutral","sentiment_score":0.05743876611813903},{"text":"But that that lump sum was just for the insurance premium for your Neos policy, which is coming up again in the like, this month, which is why we're doing that reduction now.","start":3348.145,"end":3357.7698,"sentiment":"neutral","sentiment_score":-0.06515771161877748}],"sentiment":"neutral","sentiment_score":-0.028313198329313942,"channel":0,"num_words":69,"start":3335.39,"end":3357.7698},{"sentences":[{"text":"But that's what I see that deduction for.","start":3360.15,"end":3363.99,"sentiment":"neutral","sentiment_score":-0.0669622803106904},{"text":"Because, obviously, it comes out as a rollover because it goes to the trustee of the super fund, which is why it can be done through SuperStream rollovers.","start":3363.99,"end":3370.9248,"sentiment":"neutral","sentiment_score":0.05163493353341307},{"text":"And that that amount matches up with that amount that you're sort of concerned about there as well.","start":3373.9448,"end":3380.2048,"sentiment":"neutral","sentiment_score":-0.040839942172169685}],"sentiment":"neutral","sentiment_score":0.003240017358351637,"channel":0,"num_words":54,"start":3360.15,"end":3380.2048},{"sentences":[{"text":"Okay.","start":3382.425,"end":3382.925,"sentiment":"neutral","sentiment_score":0.006331015378236771},{"text":"So that is towards my insurance, 3,084, is it?","start":3383.82,"end":3387.04,"sentiment":"neutral","sentiment_score":-0.026676096798231203}],"sentiment":"neutral","sentiment_score":-0.023375385580584405,"channel":1,"num_words":10,"start":3382.425,"end":3387.04},{"sentences":[{"text":"$3,084.81 was your yearly premium for the last year.","start":3387.32,"end":3391.96,"sentiment":"neutral","sentiment_score":0.08530147042539385},{"text":"Yep.","start":3391.96,"end":3392.46,"sentiment":"positive","sentiment_score":0.35947906970977783}],"sentiment":"neutral","sentiment_score":0.11271923035383224,"channel":0,"num_words":10,"start":3387.32,"end":3392.46},{"sentences":[{"text":"So just within a year, it has gone from 3,084 to 4,700.","start":3393.4202,"end":3398.645,"sentiment":"positive","sentiment_score":0.36344900478919345}],"sentiment":"positive","sentiment_score":0.36344900478919345,"channel":1,"num_words":12,"start":3393.4202,"end":3398.645},{"sentences":[{"text":"Well, the the full amount is $3,629, but you get the 15% rebate for being inside super.","start":3399.285,"end":3405.925,"sentiment":"neutral","sentiment_score":0.24257859412361593},{"text":"But, yes, it has had a little bit of a jump up in terms of that as well.","start":3405.925,"end":3409.83,"sentiment":"neutral","sentiment_score":0.12119104837377866},{"text":"Whether that's oops, sorry?","start":3410.69,"end":3413.1099,"sentiment":"neutral","sentiment_score":-0.1321505792438984}],"sentiment":"neutral","sentiment_score":0.1481198116372793,"channel":0,"num_words":39,"start":3399.285,"end":3413.1099},{"sentences":[{"text":"No.","start":3413.44,"end":3413.68,"sentiment":"neutral","sentiment_score":-0.2053832709789276},{"text":"No.","start":3413.68,"end":3413.92,"sentiment":"neutral","sentiment_score":-0.20495298504829407},{"text":"Sorry.","start":3413.92,"end":3414.42,"sentiment":"neutral","sentiment_score":-0.17535582184791565},{"text":"So the 4,700 that I received the quote for recently, after which we decide to make bring it down, but that 4,700 was after the 15% discount?","start":3414.48,"end":3424.42,"sentiment":"neutral","sentiment_score":-0.0952870727137283}],"sentiment":"neutral","sentiment_score":-0.10528143470486005,"channel":1,"num_words":30,"start":3413.44,"end":3424.42},{"sentences":[{"text":"So oh, sorry.","start":3425.985,"end":3426.945,"sentiment":"neutral","sentiment_score":-0.17032105724016824},{"text":"I'll just bring up that quote.","start":3426.945,"end":3429.5852,"sentiment":"neutral","sentiment_score":-0.11382171635826428},{"text":"So I can't remember off the top of my head what the the sums actually came to.","start":3429.5852,"end":3433.445,"sentiment":"neutral","sentiment_score":-0.19089620253619025},{"text":"Because there's two figures that you can see generally.","start":3434.26,"end":3437.4802,"sentiment":"neutral","sentiment_score":-0.08606580230924818},{"text":"Bear with me.","start":3437.78,"end":3438.76,"sentiment":"neutral","sentiment_score":-0.04779136801759402}],"sentiment":"neutral","sentiment_score":-0.14097619046898266,"channel":0,"num_words":38,"start":3425.985,"end":3438.76},{"sentences":[{"text":"Yes.","start":3441.2202,"end":3441.54,"sentiment":"neutral","sentiment_score":0.028967998921871185},{"text":"Reduction quote.","start":3441.54,"end":3442.52,"sentiment":"neutral","sentiment_score":-0.01969970017671585}],"sentiment":"neutral","sentiment_score":-0.003477133810520172,"channel":0,"num_words":3,"start":3441.2202,"end":3442.52},{"sentences":[{"text":"Insurance details.","start":3442.98,"end":3443.86,"sentiment":"neutral","sentiment_score":-0.04203499108552933},{"text":"I'm logged into HUB24.","start":3443.86,"end":3445.72,"sentiment":"neutral","sentiment_score":-0.05072391405701637},{"text":"Member has no insurance cover, it says.","start":3447.46,"end":3449.72,"sentiment":"neutral","sentiment_score":-0.17237746928419387}],"sentiment":"neutral","sentiment_score":-0.11489291718372932,"channel":1,"num_words":13,"start":3442.98,"end":3449.72},{"sentences":[{"text":"Pardon?","start":3451.395,"end":3451.875,"sentiment":"neutral","sentiment_score":-0.12029846012592316},{"text":"You have no yeah.","start":3451.875,"end":3452.755,"sentiment":"neutral","sentiment_score":-0.19535936042666435},{"text":"It's that only shows up in hub twenty four.","start":3452.755,"end":3455.315,"sentiment":"neutral","sentiment_score":-0.09500107500288221},{"text":"The insurances, if you have group cover within hub twenty four.","start":3455.315,"end":3458.035,"sentiment":"neutral","sentiment_score":-0.08882777054201473},{"text":"So you won't actually be able","start":3458.035,"end":3459.075,"sentiment":"neutral","sentiment_score":-0.0745049708833297}],"sentiment":"neutral","sentiment_score":-0.10260906058453745,"channel":0,"num_words":31,"start":3451.395,"end":3459.075},{"sentences":[{"text":"Oh,","start":3458.975,"end":3459.135,"sentiment":"neutral","sentiment_score":-0.02467845380306244}],"sentiment":"neutral","sentiment_score":-0.02467845380306244,"channel":1,"num_words":1,"start":3458.975,"end":3459.135},{"sentences":[{"text":"to","start":3459.075,"end":3459.155,"sentiment":"neutral","sentiment_score":-0.016378069296479225}],"sentiment":"neutral","sentiment_score":-0.016378069296479225,"channel":0,"num_words":1,"start":3459.075,"end":3459.155},{"sentences":[{"text":"okay.","start":3459.135,"end":3459.635,"sentiment":"neutral","sentiment_score":-0.011868620291352272}],"sentiment":"neutral","sentiment_score":-0.011868620291352272,"channel":1,"num_words":1,"start":3459.135,"end":3459.635},{"sentences":[{"text":"see your external policy.","start":3459.155,"end":3460.455,"sentiment":"neutral","sentiment_score":-0.014517518691718578},{"text":"In terms of the cover amount, so before the the reduction, it's $4,572 as a yearly premium, and then that drops down to $4,162.69 in terms of that premium.","start":3462.06,"end":3475.6802,"sentiment":"neutral","sentiment_score":0.03587978249736901},{"text":"And then the rollover amount will actually be less because you'll get the 15% rebate out of that as well.","start":3475.98,"end":3483.2249,"sentiment":"neutral","sentiment_score":0.1310506021603942}],"sentiment":"neutral","sentiment_score":0.06798972945027756,"channel":0,"num_words":53,"start":3459.155,"end":3483.2249},{"sentences":[{"text":"Right.","start":3484.2148,"end":3484.615,"sentiment":"neutral","sentiment_score":0.0524243488907814},{"text":"And now what have we reduced our recent thing to?","start":3484.615,"end":3489.1948,"sentiment":"neutral","sentiment_score":0.017359737306833267}],"sentiment":"neutral","sentiment_score":0.020547429269010372,"channel":1,"num_words":11,"start":3484.2148,"end":3489.1948},{"sentences":[{"text":"So","start":3490.34,"end":3490.6602,"sentiment":"neutral","sentiment_score":0.012950800359249117}],"sentiment":"neutral","sentiment_score":0.012950800359249117,"channel":0,"num_words":1,"start":3490.34,"end":3490.6602},{"sentences":[{"text":"The recent","start":3490.375,"end":3490.9348,"sentiment":"neutral","sentiment_score":0.03014654852449894}],"sentiment":"neutral","sentiment_score":0.03014654852449894,"channel":1,"num_words":2,"start":3490.375,"end":3490.9348},{"sentences":[{"text":"it's","start":3490.6602,"end":3490.98,"sentiment":"neutral","sentiment_score":0.0195926483720541}],"sentiment":"neutral","sentiment_score":0.0195926483720541,"channel":0,"num_words":1,"start":3490.6602,"end":3490.98},{"sentences":[{"text":"quote?","start":3490.9348,"end":3491.4348,"sentiment":"neutral","sentiment_score":0.023655926808714867}],"sentiment":"neutral","sentiment_score":0.023655926808714867,"channel":1,"num_words":1,"start":3490.9348,"end":3491.4348},{"sentences":[{"text":"the one one point five of life and TPD, and then the income protection stay the same with that longer benefit, which is the largely where the cost is coming from, to","start":3490.98,"end":3500.1,"sentiment":"neutral","sentiment_score":0.06205348367802799}],"sentiment":"neutral","sentiment_score":0.06205348367802799,"channel":0,"num_words":32,"start":3490.98,"end":3500.1},{"sentences":[{"text":"Yep.","start":3500.02,"end":3500.52,"sentiment":"neutral","sentiment_score":0.03390803188085556}],"sentiment":"neutral","sentiment_score":0.03390803188085556,"channel":1,"num_words":1,"start":3500.02,"end":3500.52},{"sentences":[{"text":"the age of 65.","start":3500.1,"end":3501.22,"sentiment":"neutral","sentiment_score":0.024230455048382282},{"text":"So it'll be $4,162.69 as a yearly premium, then you'll get the rebate or the 15% discount for being inside super.","start":3501.22,"end":3510.1892,"sentiment":"neutral","sentiment_score":0.10128646805172875},{"text":"So the rollover amount will be $3,538.28 for the the next twelve months for your insurance cost.","start":3510.1892,"end":3518.28,"sentiment":"neutral","sentiment_score":0.08587646637769307}],"sentiment":"neutral","sentiment_score":0.08771041851668131,"channel":0,"num_words":42,"start":3500.1,"end":3518.28},{"sentences":[{"text":"Correct.","start":3519.1948,"end":3519.515,"sentiment":"neutral","sentiment_score":0.07605238258838654},{"text":"And these are the ones that after we brought the yeah.","start":3519.515,"end":3523.1802,"sentiment":"neutral","sentiment_score":0.03604615411975167}],"sentiment":"neutral","sentiment_score":0.03938000649213791,"channel":1,"num_words":12,"start":3519.1948,"end":3523.1802},{"sentences":[{"text":"The premium.","start":3523.0,"end":3523.74,"sentiment":"neutral","sentiment_score":0.013942196033895016},{"text":"Yeah.","start":3523.8,"end":3524.28,"sentiment":"neutral","sentiment_score":0.026527039706707}],"sentiment":"neutral","sentiment_score":0.018137143924832344,"channel":0,"num_words":3,"start":3523.0,"end":3524.28},{"sentences":[{"text":"The the","start":3523.8801,"end":3524.2002,"sentiment":"neutral","sentiment_score":0.004621617496013641}],"sentiment":"neutral","sentiment_score":0.004621617496013641,"channel":1,"num_words":2,"start":3523.8801,"end":3524.2002},{"sentences":[{"text":"With","start":3524.28,"end":3524.6,"sentiment":"neutral","sentiment_score":0.01650639995932579}],"sentiment":"neutral","sentiment_score":0.01650639995932579,"channel":0,"num_words":1,"start":3524.28,"end":3524.6},{"sentences":[{"text":"yeah.","start":3525.0,"end":3525.1602,"sentiment":"neutral","sentiment_score":0.02696981094777584},{"text":"Yeah.","start":3525.1602,"end":3525.32,"sentiment":"neutral","sentiment_score":0.04438658058643341},{"text":"Got it.","start":3525.32,"end":3525.8,"sentiment":"neutral","sentiment_score":0.07697196304798126},{"text":"Got 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basically a deposit history and withdrawals on my super.","start":3527.4001,"end":3540.6648,"sentiment":"neutral","sentiment_score":-0.01803746883725298}],"sentiment":"neutral","sentiment_score":-0.01404637582891155,"channel":1,"num_words":32,"start":3526.6,"end":3540.6648},{"sentences":[{"text":"Yeah.","start":3540.2148,"end":3540.7148,"sentiment":"neutral","sentiment_score":-0.02567794732749462}],"sentiment":"neutral","sentiment_score":-0.02567794732749462,"channel":0,"num_words":1,"start":3540.2148,"end":3540.7148},{"sentences":[{"text":"You know?","start":3540.6648,"end":3541.2249,"sentiment":"neutral","sentiment_score":-0.03759580850601196}],"sentiment":"neutral","sentiment_score":-0.03759580850601196,"channel":1,"num_words":2,"start":3540.6648,"end":3541.2249},{"sentences":[{"text":"There 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what is it called.","start":3541.625,"end":3542.845,"sentiment":"neutral","sentiment_score":-0.14925949573516845}],"sentiment":"neutral","sentiment_score":-0.14925949573516845,"channel":1,"num_words":5,"start":3541.625,"end":3542.845},{"sentences":[{"text":"There is a withdrawal history.","start":3542.87,"end":3544.57,"sentiment":"neutral","sentiment_score":-0.10468755066394805},{"text":"The the view might be a little bit different for you.","start":3544.79,"end":3547.27,"sentiment":"neutral","sentiment_score":-0.06424311887134206},{"text":"I can get you a deposits and withdrawals if you'd like, but the withdrawal payment you're referring to is that super super rollover for the insurances for last year, that $3,084.","start":3547.27,"end":3558.135,"sentiment":"neutral","sentiment_score":0.09760226609726105},{"text":"Also, if you're 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that, what else is","start":3771.545,"end":3777.56,"sentiment":"neutral","sentiment_score":0.09389476511966098}],"sentiment":"neutral","sentiment_score":0.3005735146968315,"channel":0,"num_words":60,"start":3756.5,"end":3777.56},{"sentences":[{"text":"Probably","start":3777.345,"end":3777.825,"sentiment":"neutral","sentiment_score":0.07005907595157623}],"sentiment":"neutral","sentiment_score":0.07005907595157623,"channel":1,"num_words":1,"start":3777.345,"end":3777.825},{"sentences":[{"text":"the the income","start":3777.56,"end":3778.2,"sentiment":"neutral","sentiment_score":0.059234981735547386}],"sentiment":"neutral","sentiment_score":0.059234981735547386,"channel":0,"num_words":3,"start":3777.56,"end":3778.2},{"sentences":[{"text":"in 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everything.","start":3780.52,"end":3783.74,"sentiment":"neutral","sentiment_score":0.0018917337059974671},{"text":"I","start":3784.12,"end":3784.52,"sentiment":"neutral","sentiment_score":-0.00382661446928978}],"sentiment":"neutral","sentiment_score":-0.03952601806897866,"channel":1,"num_words":19,"start":3778.545,"end":3784.52},{"sentences":[{"text":"Yeah.","start":3784.36,"end":3784.86,"sentiment":"neutral","sentiment_score":0.02707599475979805}],"sentiment":"neutral","sentiment_score":0.02707599475979805,"channel":0,"num_words":1,"start":3784.36,"end":3784.86},{"sentences":[{"text":"clearly remember line after line, only deposits made from Shell Energy to the super rollover.","start":3784.52,"end":3792.3,"sentiment":"neutral","sentiment_score":-0.0005480747669935227},{"text":"Only three types of transactions were there, concessional or concession, whatever it is called, because that's what the super deposit is,","start":3792.645,"end":3799.785,"sentiment":"neutral","sentiment_score":-0.0014834341460040637}],"sentiment":"neutral","sentiment_score":-0.0010937010714163382,"channel":1,"num_words":36,"start":3784.52,"end":3799.785},{"sentences":[{"text":"Yep.","start":3800.31,"end":3800.81,"sentiment":"neutral","sentiment_score":0.01819600723683834}],"sentiment":"neutral","sentiment_score":0.01819600723683834,"channel":0,"num_words":1,"start":3800.31,"end":3800.81},{"sentences":[{"text":"rollover and withdrawal.","start":3800.645,"end":3801.785,"sentiment":"neutral","sentiment_score":0.011484145497282347},{"text":"That those are the only three types of transactions there.","start":3801.845,"end":3804.665,"sentiment":"neutral","sentiment_score":-0.011882287077605724},{"text":"Don't worry.","start":3804.725,"end":3805.125,"sentiment":"neutral","sentiment_score":0.21335620433092117},{"text":"I'll find it.","start":3805.125,"end":3805.605,"sentiment":"positive","sentiment_score":0.35556869705518085},{"text":"I'll probably go through it, and I'll I need to use it a little more often to understand where I where I was yesterday, last night to go through all of this for this call today.","start":3805.605,"end":3814.73,"sentiment":"neutral","sentiment_score":0.27214406265152824}],"sentiment":"neutral","sentiment_score":0.2075228577962628,"channel":1,"num_words":54,"start":3800.645,"end":3814.73},{"sentences":[{"text":"I was just preparing for the call today.","start":3814.73,"end":3816.5898,"sentiment":"neutral","sentiment_score":0.1403521876782179}],"sentiment":"neutral","sentiment_score":0.1403521876782179,"channel":1,"num_words":8,"start":3814.73,"end":3816.5898},{"sentences":[{"text":"Yeah.","start":3816.965,"end":3817.205,"sentiment":"neutral","sentiment_score":0.08867888152599335},{"text":"No.","start":3817.205,"end":3817.365,"sentiment":"neutral","sentiment_score":0.02294085919857025},{"text":"That's fine.","start":3817.365,"end":3818.185,"sentiment":"neutral","sentiment_score":0.13331487029790878},{"text":"Obviously, that that deposits and withdrawal one will have your salary sacrifice, your super contributions split up, and then also with the withdrawal from that fund, which would be the insurance cost there as well.","start":3818.2449,"end":3828.6602,"sentiment":"neutral","sentiment_score":0.04238467418721744},{"text":"Yeah.","start":3828.6602,"end":3829.1602,"sentiment":"neutral","sentiment_score":0.06698960810899734}],"sentiment":"neutral","sentiment_score":0.04821756714954972,"channel":0,"num_words":40,"start":3816.965,"end":3829.1602},{"sentences":[{"text":"And then you'll also have your tax liability.","start":3829.7002,"end":3831.4602,"sentiment":"neutral","sentiment_score":0.07006017584353685},{"text":"That's like the three ones that are generally listed on that report, and that's all line for line, like, dated.","start":3831.4602,"end":3836.84,"sentiment":"neutral","sentiment_score":0.0541153421625495}],"sentiment":"neutral","sentiment_score":0.05867100892854588,"channel":0,"num_words":28,"start":3829.7002,"end":3836.84},{"sentences":[{"text":"Yeah.","start":3838.9202,"end":3839.4202,"sentiment":"neutral","sentiment_score":0.06914947926998138},{"text":"Yeah.","start":3840.84,"end":3841.34,"sentiment":"neutral","sentiment_score":0.08379511535167694},{"text":"Okay.","start":3841.56,"end":3842.06,"sentiment":"neutral","sentiment_score":0.1315368413925171},{"text":"As of now, at least I have the report that you suggested, and it's a good way to go through.","start":3842.2002,"end":3848.12,"sentiment":"neutral","sentiment_score":0.25876435041427615},{"text":"So I have to go to account reports and halfway or a little more through the screen, I should see in the transaction reports, deposits, and withdrawals.","start":3848.12,"end":3857.155,"sentiment":"neutral","sentiment_score":0.10950315550521568}],"sentiment":"neutral","sentiment_score":0.16832707285881043,"channel":1,"num_words":50,"start":3838.9202,"end":3857.155},{"sentences":[{"text":"Yeah.","start":3857.66,"end":3857.98,"sentiment":"neutral","sentiment_score":0.08481025695800781}],"sentiment":"neutral","sentiment_score":0.08481025695800781,"channel":0,"num_words":1,"start":3857.66,"end":3857.98},{"sentences":[{"text":"Okay.","start":3857.775,"end":3858.275,"sentiment":"neutral","sentiment_score":0.09509353339672089}],"sentiment":"neutral","sentiment_score":0.09509353339672089,"channel":1,"num_words":1,"start":3857.775,"end":3858.275},{"sentences":[{"text":"Just in yeah.","start":3857.98,"end":3858.7,"sentiment":"neutral","sentiment_score":0.0845771258076032},{"text":"Transaction reports, deposits, withdrawals, and that will give you you one that you can see all of all of that as 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good.","start":3893.045,"end":3897.385,"sentiment":"positive","sentiment_score":0.7141037308252774},{"text":"Your portfolio overview as well, just be able to have a look at that, and then you can sort of just come to us with any sort of questions you might have there as well.","start":3897.605,"end":3905.4,"sentiment":"positive","sentiment_score":0.48568312185151236}],"sentiment":"neutral","sentiment_score":0.25723005349437394,"channel":0,"num_words":75,"start":3882.85,"end":3905.4},{"sentences":[{"text":"No problem, mate.","start":3906.175,"end":3906.9749,"sentiment":"neutral","sentiment_score":0.3017502228418986},{"text":"No problem.","start":3906.9749,"end":3907.535,"sentiment":"neutral","sentiment_score":0.29755283892154694},{"text":"Alright.","start":3907.535,"end":3908.035,"sentiment":"positive","sentiment_score":0.4650275111198426},{"text":"Cool.","start":3908.815,"end":3909.315,"sentiment":"positive","sentiment_score":0.6103379130363464},{"text":"Thanks for being patient.","start":3910.335,"end":3911.555,"sentiment":"positive","sentiment_score":0.7043866962194443}],"sentiment":"positive","sentiment_score":0.49029714140025055,"channel":1,"num_words":11,"start":3906.175,"end":3911.555},{"sentences":[{"text":"I appreciate you giving me the time.","start":3911.775,"end":3914.595,"sentiment":"positive","sentiment_score":0.6371334876332965}],"sentiment":"positive","sentiment_score":0.6371334876332965,"channel":1,"num_words":7,"start":3911.775,"end":3914.595},{"sentences":[{"text":"Yep.","start":3915.0,"end":3915.5,"sentiment":"neutral","sentiment_score":0.15218590199947357}],"sentiment":"neutral","sentiment_score":0.15218590199947357,"channel":0,"num_words":1,"start":3915.0,"end":3915.5},{"sentences":[{"text":"It's past six, isn't it, for you?","start":3915.935,"end":3917.79,"sentiment":"neutral","sentiment_score":0.08802857249975204},{"text":"Yeah.","start":3917.79,"end":3918.29,"sentiment":"neutral","sentiment_score":0.08676834404468536}],"sentiment":"neutral","sentiment_score":0.08787104394286871,"channel":1,"num_words":8,"start":3915.935,"end":3918.29},{"sentences":[{"text":"Yeah.","start":3918.215,"end":3918.375,"sentiment":"neutral","sentiment_score":0.0948510244488716},{"text":"Yeah.","start":3918.375,"end":3918.695,"sentiment":"neutral","sentiment_score":0.09865444153547288},{"text":"A little bit.","start":3918.695,"end":3919.095,"sentiment":"neutral","sentiment_score":0.0666951450208823},{"text":"But that's that's alright.","start":3919.095,"end":3920.055,"sentiment":"neutral","sentiment_score":0.16395131312310696},{"text":"Generally, I do like bigger bigger days so I can catch people after work and stuff, and daylight savings tends to help a little 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documents.","start":3934.115,"end":3935.395,"sentiment":"neutral","sentiment_score":0.17155501544475554}],"sentiment":"neutral","sentiment_score":0.29248617151204276,"channel":1,"num_words":17,"start":3929.875,"end":3935.395},{"sentences":[{"text":"Give me a couple of days, and I'll probably respond back.","start":3935.395,"end":3938.215,"sentiment":"neutral","sentiment_score":0.1478247737342661},{"text":"I'm I'm leaning towards the estimate,","start":3939.0752,"end":3940.935,"sentiment":"neutral","sentiment_score":0.11581495776772499}],"sentiment":"neutral","sentiment_score":0.13652719162842808,"channel":1,"num_words":17,"start":3935.395,"end":3940.935},{"sentences":[{"text":"Yep.","start":3941.43,"end":3941.93,"sentiment":"neutral","sentiment_score":0.13901838660240173}],"sentiment":"neutral","sentiment_score":0.13901838660240173,"channel":0,"num_words":1,"start":3941.43,"end":3941.93},{"sentences":[{"text":"frankly.","start":3941.5552,"end":3942.0552,"sentiment":"neutral","sentiment_score":0.1305776834487915},{"text":"Yeah.","start":3942.8198,"end":3943.3198,"sentiment":"neutral","sentiment_score":0.1243358850479126},{"text":"So, yeah, I'll just go through the docs and then come back.","start":3943.78,"end":3948.5999,"sentiment":"neutral","sentiment_score":0.1027328409254551}],"sentiment":"neutral","sentiment_score":0.10626483282872609,"channel":1,"num_words":14,"start":3941.5552,"end":3948.5999},{"sentences":[{"text":"Mhmm.","start":3948.865,"end":3949.0251,"sentiment":"neutral","sentiment_score":0.09201520681381226},{"text":"Not not a problem at all, kid.","start":3949.0251,"end":3950.225,"sentiment":"neutral","sentiment_score":0.2203218298298972},{"text":"Just shoot us an email when you when you're ready.","start":3950.225,"end":3952.3052,"sentiment":"neutral","sentiment_score":0.1376749038696289},{"text":"Obviously, no rush.","start":3952.3052,"end":3953.445,"sentiment":"neutral","sentiment_score":0.10387459397315979},{"text":"But, yeah, feel free to to reach out with any questions you might have following that.","start":3953.905,"end":3957.48,"sentiment":"neutral","sentiment_score":0.18306539207696915}],"sentiment":"neutral","sentiment_score":0.1689645164721721,"channel":0,"num_words":37,"start":3948.865,"end":3957.48},{"sentences":[{"text":"Yes.","start":3958.305,"end":3958.705,"sentiment":"neutral","sentiment_score":0.13404333591461182},{"text":"And you are sending me another document to sign again.","start":3958.705,"end":3961.905,"sentiment":"neutral","sentiment_score":0.08028003126382828},{"text":"Right?","start":3961.905,"end":3962.405,"sentiment":"neutral","sentiment_score":0.07210516929626465}],"sentiment":"neutral","sentiment_score":0.0840790681540966,"channel":1,"num_words":12,"start":3958.305,"end":3962.405},{"sentences":[{"text":"Yeah.","start":3962.92,"end":3963.24,"sentiment":"neutral","sentiment_score":0.10668371617794035},{"text":"I'll get the the team to send out that Neos one just as well for that quote because I'm not I'm not too sure what happened.","start":3963.24,"end":3969.18,"sentiment":"neutral","sentiment_score":0.08612685177761775},{"text":"It's just the signature's not there.","start":3970.255,"end":3972.355,"sentiment":"neutral","sentiment_score":0.02035213743026058},{"text":"So I just have","start":3972.4949,"end":3973.215,"sentiment":"neutral","sentiment_score":0.07791007310152054}],"sentiment":"neutral","sentiment_score":0.07512797241577425,"channel":0,"num_words":37,"start":3962.92,"end":3973.215},{"sentences":[{"text":"Yep.","start":3973.0498,"end":3973.5498,"sentiment":"neutral","sentiment_score":0.05351252108812332}],"sentiment":"neutral","sentiment_score":0.05351252108812332,"channel":1,"num_words":1,"start":3973.0498,"end":3973.5498},{"sentences":[{"text":"to be re signed.","start":3973.215,"end":3974.115,"sentiment":"neutral","sentiment_score":0.06919774413108826}],"sentiment":"neutral","sentiment_score":0.06919774413108826,"channel":0,"num_words":4,"start":3973.215,"end":3974.115},{"sentences":[{"text":"No problem.","start":3974.73,"end":3975.45,"sentiment":"neutral","sentiment_score":0.11992109566926956},{"text":"No problem.","start":3975.45,"end":3976.0898,"sentiment":"neutral","sentiment_score":0.14655620604753494},{"text":"I'll keep an eye on my email for any of the Odoo sign document.","start":3976.0898,"end":3981.6099,"sentiment":"neutral","sentiment_score":0.1539450910474573},{"text":"Right?","start":3981.6099,"end":3982.1099,"sentiment":"neutral","sentiment_score":0.17458851635456085}],"sentiment":"neutral","sentiment_score":0.15067233655013537,"channel":1,"num_words":19,"start":3974.73,"end":3982.1099},{"sentences":[{"text":"Perfect.","start":3982.35,"end":3982.59,"sentiment":"positive","sentiment_score":0.4628242254257202},{"text":"Yeah.","start":3982.59,"end":3982.9102,"sentiment":"positive","sentiment_score":0.3611767292022705},{"text":"That'd be great.","start":3982.9102,"end":3983.6301,"sentiment":"positive","sentiment_score":0.5719495614369711},{"text":"Thanks, Kij.","start":3983.6301,"end":3984.4502,"sentiment":"positive","sentiment_score":0.5233811140060425}],"sentiment":"positive","sentiment_score":0.5123731238501412,"channel":0,"num_words":7,"start":3982.35,"end":3984.4502},{"sentences":[{"text":"Alright.","start":3985.21,"end":3985.71,"sentiment":"neutral","sentiment_score":0.256929486989975},{"text":"Thank","start":3986.325,"end":3986.565,"sentiment":"neutral","sentiment_score":0.31274428963661194}],"sentiment":"neutral","sentiment_score":0.28483688831329346,"channel":1,"num_words":2,"start":3985.21,"end":3986.565},{"sentences":[{"text":"No worries.","start":3986.35,"end":3986.83,"sentiment":"neutral","sentiment_score":0.2619417756795883}],"sentiment":"neutral","sentiment_score":0.2619417756795883,"channel":0,"num_words":2,"start":3986.35,"end":3986.83},{"sentences":[{"text":"you, Kyle.","start":3986.565,"end":3987.305,"sentiment":"neutral","sentiment_score":0.26401928067207336}],"sentiment":"neutral","sentiment_score":0.26401928067207336,"channel":1,"num_words":2,"start":3986.565,"end":3987.305},{"sentences":[{"text":"Wait.","start":3986.83,"end":3987.33,"sentiment":"neutral","sentiment_score":0.17657580971717834},{"text":"No.","start":3987.4702,"end":3987.7102,"sentiment":"neutral","sentiment_score":0.1324564963579178},{"text":"Too easy.","start":3987.7102,"end":3988.11,"sentiment":"neutral","sentiment_score":0.2057279422879219}],"sentiment":"neutral","sentiment_score":0.18012204766273499,"channel":0,"num_words":4,"start":3986.83,"end":3988.11},{"sentences":[{"text":"Yeah.","start":3988.005,"end":3988.505,"sentiment":"positive","sentiment_score":0.3825492262840271}],"sentiment":"positive","sentiment_score":0.3825492262840271,"channel":1,"num_words":1,"start":3988.005,"end":3988.505},{"sentences":[{"text":"You enjoy the rest of your afternoon, Kijs.","start":3988.11,"end":3989.3901,"sentiment":"positive","sentiment_score":0.5800256133079529},{"text":"Thanks for your time.","start":3989.3901,"end":3990.37,"sentiment":"positive","sentiment_score":0.6492488533258438}],"sentiment":"positive","sentiment_score":0.6031000266472498,"channel":0,"num_words":12,"start":3988.11,"end":3990.37},{"sentences":[{"text":"You do, mate.","start":3990.885,"end":3991.445,"sentiment":"positive","sentiment_score":0.5818752845128378},{"text":"Cheers.","start":3991.445,"end":3991.765,"sentiment":"positive","sentiment_score":0.658033549785614},{"text":"Have a good one.","start":3991.765,"end":3992.7449,"sentiment":"positive","sentiment_score":0.6293984800577164}],"sentiment":"positive","sentiment_score":0.6151566654443741,"channel":1,"num_words":8,"start":3990.885,"end":3992.7449},{"sentences":[{"text":"Cheers.","start":3992.83,"end":3993.07,"sentiment":"positive","sentiment_score":0.4469826221466065},{"text":"Thanks.","start":3993.07,"end":3993.3901,"sentiment":"positive","sentiment_score":0.4732250273227692},{"text":"Bye.","start":3993.3901,"end":3993.8901,"sentiment":"neutral","sentiment_score":0.31165751814842224}],"sentiment":"positive","sentiment_score":0.41062172253926593,"channel":0,"num_words":3,"start":3992.83,"end":3993.8901},{"sentences":[{"text":"Bye.","start":3994.005,"end":3994.505,"sentiment":"neutral","sentiment_score":0.02384954504668713}],"sentiment":"neutral","sentiment_score":0.02384954504668713,"channel":1,"num_words":1,"start":3994.005,"end":3994.505}]},"summary":{"result":"success","short":"The representative from Oicht Financial recommends reducing insurance and diversifying the portfolio, including the benefits of investing in growth portfolios. The agent emphasizes the importance of reviewing and monitoring the portfolio and provides information on investment sizes and deduction processes. The agent provides guidance on accessing the income expense report and suggests sending a follow-up email with a signature. The customer is instructed to sign the information and the call ends."},"intents":{"segments":[{"text":"I've got you scheduled in to go over that document I emailed you the other week. Is now still a good time for you?","start_word":31,"end_word":54,"intents":[{"intent":"Review document","confidence_score":0.0524421}]},{"text":"Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great. Thanks. Yep.","start_word":67,"end_word":95,"intents":[{"intent":"Pass through security","confidence_score":0.7579878}]},{"text":"Thanks for that, Ankit. Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction. Now I'm not too sure what happened, but the signature didn't come through on that document. So what I'm gonna do is I'm gonna get the team to resend that one to you today.","start_word":118,"end_word":180,"intents":[{"intent":"Resend document","confidence_score":0.2744331}]},{"text":"Is it DocuSign or something that I can search for?","start_word":273,"end_word":282,"intents":[{"intent":"Find docusign","confidence_score":0.0038908299}]},{"text":"Because O two it's sign. a because you know we're talking about you wanted to reduce your life in TPD down to the one point Yeah. 5,000,000.","start_word":297,"end_word":323,"intents":[{"intent":"Reduce life in tpd","confidence_score":0.10607042}]},{"text":"But, yeah, what I'm gonna do is I'm gonna get the team to resend that to you. It obviously hasn't passed the renewal date just yet. So what we'll do is we'll just resend that quote.","start_word":394,"end_word":429,"intents":[{"intent":"Resend quote","confidence_score":0.6748197}]},{"text":"Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one.","start_word":441,"end_word":461,"intents":[{"intent":"Verify signature","confidence_score":0.2966987},{"intent":"Confirm signature","confidence_score":0.0279734}]},{"text":"Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you. I have that email.","start_word":462,"end_word":489,"intents":[{"intent":"Confirm document completion","confidence_score":0.1509707}]},{"text":"Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you. I have that email. Yeah.","start_word":462,"end_word":490,"intents":[{"intent":"Determine document eligibility","confidence_score":0.0000022949412}]},{"text":"Now in terms of the document there, Kij, have you had a chance to to read through those options, have a little look and compare a few things and have a bit of a read through? Yes. I have.","start_word":578,"end_word":616,"intents":[{"intent":"Reflect on situation","confidence_score":0.0000064148085}]},{"text":"So is it something that I have to give you a decision and Meenal will also have to give her a decision once her account is all stabilized and finalized.","start_word":632,"end_word":661,"intents":[{"intent":"Discuss decision process","confidence_score":0.012147899}]},{"text":"In terms of, like, the options available, they're available to everyone.","start_word":787,"end_word":797,"intents":[{"intent":"Discuss options","confidence_score":0.037359804}]},{"text":"Much for the same if, like, the same portfolio was recommended, you may be in a similar portfolio to another customer.","start_word":1199,"end_word":1219,"intents":[{"intent":"Analyze portfolios","confidence_score":0.21843736}]},{"text":"One's like the base option, which has a little bit more of a limited menu, and then one has more available investment options if you do wanna become a little bit more customized in terms of your investment options or, like, not limit your investment horizons, basically, in terms of, like, what you can go into.","start_word":1412,"end_word":1467,"intents":[{"intent":"Explain options","confidence_score":0.00019643833}]},{"text":"So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it?","start_word":1841,"end_word":1881,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.13952841}]},{"text":"Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well. Yeah. Yep.","start_word":2195,"end_word":2231,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.26370004}]},{"text":"Page eight, where it shows a fee structure table between the current and active. And Yep. what I want to understand is even if it is active, it is still with OQ. Right? It does not we're just changing the structure of investments from passive to active, right?","start_word":2662,"end_word":2709,"intents":[{"intent":"Discuss portfolio structure","confidence_score":0.06139853},{"intent":"Explain portfolio structure","confidence_score":0.066554874}]},{"text":"They just are in some BlackRock investments similar to, like, the active portion as well. Your funds are still all under Oakview Financial. It's just the investments that are chosen. So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung.","start_word":2752,"end_word":2815,"intents":[{"intent":"Explain investments","confidence_score":0.005620267}]},{"text":"It's quite fluid in terms of the changes and things like that that we'll make.","start_word":2893,"end_word":2907,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.0001223161}]},{"text":"Now in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy.","start_word":3339,"end_word":3366,"intents":[{"intent":"Clarify investment strategy","confidence_score":0.006666878}]},{"text":"So even if I was to review your account quarterly with you, for me to change any of your investments, say, a quarter from now, even though I wouldn't recommend sort of changing Yeah.","start_word":3614,"end_word":3647,"intents":[{"intent":"Review portfolio","confidence_score":0.038085245},{"intent":"Change investments","confidence_score":0.3672028},{"intent":"Update accounts","confidence_score":0.00089160644},{"intent":"Change investments regularly","confidence_score":0.008372021}]},{"text":"But every time we make a change, we've gotta go to advice again, have the conversations, redo your risk profile and everything, and then be able to update that in line with that as well. Okay.","start_word":3819,"end_word":3854,"intents":[{"intent":"Update risk profiles","confidence_score":0.0024405078}]},{"text":"So what I understand is current versus SMA, in the current, if we go through a quarterly update and we decide, oh, we got to sell these investments and reinvest that money into something else, Yep.","start_word":3855,"end_word":3890,"intents":[{"intent":"Understand current versus sma","confidence_score":0.005791642}]},{"text":"And when we talk about the SMA, the current allocation, right, 78% versus 21%, The 78% is in passive and exposure to active is 21%, correct, No. if I No.","start_word":4314,"end_word":4343,"intents":[{"intent":"Evaluate fund allocation","confidence_score":0.15793851}]},{"text":"it's all passive, but it's so, like, it's, like, 80% investing in growth assets, and then the 20% will be more defensive side of things. So that's, like, your Yeah.","start_word":4354,"end_word":4383,"intents":[{"intent":"Explain investment strategies","confidence_score":0.0067112288}]},{"text":"And with the SMA, what kind of a fund am I going to be investing in?","start_word":4463,"end_word":4478,"intents":[{"intent":"Discuss investment types","confidence_score":0.0800565}]},{"text":"solely actually just in regards to the relationship with BlackRock, their investment portfolio process and everything as well, as long as, like, the fees and things like that and the buy sell spreads.","start_word":4569,"end_word":4601,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.011078333},{"intent":"Explain investment process","confidence_score":0.06418636}]},{"text":"the the two funds that you'd be in, if you were to sort of look at that because we did, like, a split to get you to more of that seventy twenty split, you'd be invested, like, majority, like, two thirds in bloom and about a third sort of thing in evergreen, maybe a little bit more than a third. Okay.","start_word":4684,"end_word":4744,"intents":[{"intent":"Divise portfolio funds","confidence_score":0.00001545235}]},{"text":"So if if I go with SMA and you're recommending Evergreen and Bloom, is that 80% goes into Evergreen and 20% in Bloom or the other way or half of my money goes to Evergreen, which has an exposure internally eightytwenty and half of my money goes into Bloom with a high growth of portfolio and it has its own exposure of eighty-twenty or seventy-thirty or whatever.","start_word":5098,"end_word":5164,"intents":[{"intent":"Compare investments","confidence_score":0.004880982}]},{"text":"But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay. Yep.","start_word":5474,"end_word":5505,"intents":[{"intent":"Advise on passive investments","confidence_score":0.00060375786}]},{"text":"So if I were to invest in BlackRock Evergreen, I can do that outside of the Hub twenty four as well? No.","start_word":6194,"end_word":6215,"intents":[{"intent":"Discuss portfolio investment","confidence_score":0.00023523543},{"intent":"Share investment experience","confidence_score":0.0014555835}]},{"text":"And we are we are kind of so how long has this SME been alive for? It sort of was in its final stages getting developed the end of last year and come January, it went live. Okay.","start_word":6333,"end_word":6370,"intents":[{"intent":"Discuss investment timeline","confidence_score":0.0061503486}]},{"text":"that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA. They haven't just, like, built it based off individual shares. They've started, you know, with those index funds. They might move to more managed funds. They might hold some direct shares in the future, things like that as well.","start_word":6527,"end_word":6594,"intents":[{"intent":"Explore investment options","confidence_score":0.0012663251}]},{"text":"But in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could. But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well. Yep.","start_word":6851,"end_word":6919,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.0045469906}]},{"text":"With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more.","start_word":6980,"end_word":7028,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.3148811}]},{"text":"Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and Mhmm.","start_word":7100,"end_word":7153,"intents":[{"intent":"Reduce tax liabilities","confidence_score":0.22047429}]},{"text":"So at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently. So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost. That is offset of, like that's with the offset of the the loss with the Benelon.","start_word":7403,"end_word":7465,"intents":[{"intent":"Clarify cgt liability","confidence_score":0.010696693}]},{"text":"Whereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying across to the the SMA, if that makes sense. Yeah.","start_word":7582,"end_word":7613,"intents":[{"intent":"Discuss sma options","confidence_score":0.01942235}]},{"text":"But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same. Okay.","start_word":7938,"end_word":7976,"intents":[{"intent":"Discuss portfolio needs","confidence_score":0.00074467127}]},{"text":"That definitely puts me in a spot between the passive and the SMA. Yep. Yeah. And you don't have to make a decision on the spot. You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments.","start_word":7977,"end_word":8048,"intents":[{"intent":"Review portfolio options","confidence_score":0.001353209}]},{"text":"I would prob yeah.","start_word":8084,"end_word":8087,"intents":[{"intent":"Clarify understanding","confidence_score":0.00011765457}]},{"text":"But I am I am leading towards the SMA because of a quarterly review. It's a better review to have and preempt some moves than suffer a loss.","start_word":8114,"end_word":8141,"intents":[{"intent":"Schedule quarterly review","confidence_score":0.0007471585},{"intent":"Plan review","confidence_score":0.0019234531}]},{"text":"All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever.","start_word":8383,"end_word":8408,"intents":[{"intent":"Assess portfolio management","confidence_score":0.00033742219}]},{"text":"And if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year. Are these projections or are these returns that have been That received in the last few years? that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames.","start_word":8641,"end_word":8706,"intents":[{"intent":"Collect portfolio performance","confidence_score":0.0063279085}]},{"text":"Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment. Okay. Okay. Yeah.","start_word":8820,"end_word":8844,"intents":[{"intent":"Confirm investment plan","confidence_score":0.000053509226}]},{"text":"I think I'll go through the PDF sorry, the PDF document for the managed portfolio option profiles, Yep. grow balanced, evergreen growth portfolio, Bloom and Catalyst.","start_word":8861,"end_word":8886,"intents":[{"intent":"Consider options","confidence_score":0.00002486207}]},{"text":"That's a growth asset. So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset.","start_word":9024,"end_word":9075,"intents":[{"intent":"Evaluate growth asset recommendations","confidence_score":0.014432818}]},{"text":"But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well. It just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to be.","start_word":9403,"end_word":9457,"intents":[{"intent":"Discuss portfolio allocations and if necessary","confidence_score":5.027651e-10}]},{"text":"fourth year deduction by you guys where you get your fees or something? No.","start_word":9996,"end_word":10009,"intents":[{"intent":"Clarify deductions","confidence_score":0.017497167}]},{"text":"$3,084.81 was your yearly premium for the last year. Yep. So just within a year, it has gone from 3,084 to 4,700.","start_word":10143,"end_word":10164,"intents":[{"intent":"Compare premiums","confidence_score":0.01538308}]},{"text":"So I I I don't remember where did I see that on the hub 24 where it keeps gives me basically a deposit history and withdrawals on my super.","start_word":10495,"end_word":10523,"intents":[{"intent":"Provide deposit history with super super rolls","confidence_score":0.000002510752}]},{"text":"If you go to account reports, you should be able to you Yep. should be able to generate one on that list called deposits and withdrawals, and you can set your date ranges for that. And it'll give you your your contributions amount that you put in, also salary sacrifices and the withdrawals that come out of that account. Okay.","start_word":10866,"end_word":10925,"intents":[{"intent":"Create reports","confidence_score":0.038173128}]},{"text":"Yeah.","start_word":11271,"end_word":11271,"intents":[{"intent":"Analyze income in statement","confidence_score":0.004278759}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.049283526837825775},{"text":"Good afternoon, kids.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3439944088459015},{"text":"It's Carl calling from Ophi Financial. How's it going?","start_word":4,"end_word":12,"sentiment":"neutral","sentiment_score":0.24924877285957336},{"text":"Good afternoon, mate. Not bad.","start_word":13,"end_word":17,"sentiment":"positive","sentiment_score":0.3622632324695587},{"text":"How are you? Yeah. Not too bad at all, kids.","start_word":18,"end_word":27,"sentiment":"neutral","sentiment_score":0.3010639548301697},{"text":"Thanks for asking. I've got you scheduled in to go over that document I emailed you the other week. Is now still a good time for you?","start_word":28,"end_word":54,"sentiment":"positive","sentiment_score":0.40136802196502686},{"text":"Yep. We can do that. I'll go through the document.","start_word":55,"end_word":64,"sentiment":"neutral","sentiment_score":0.2747957706451416},{"text":"Yeah. Perfect. Just to get started on that one, kids, if I could just pass through security with that name, date of birth, and current address, that'd be great. Thanks.","start_word":65,"end_word":94,"sentiment":"positive","sentiment_score":0.49095696210861206},{"text":"Yep. Shruti Shivrankar. Date of birth is sixteen July nineteen seventy nine, and address is 12 Catanami, East, Caroline Springs, Victoria 3023.","start_word":95,"end_word":116,"sentiment":"neutral","sentiment_score":0.09091419726610184},{"text":"Perfect. Thanks for that, Ankit.","start_word":117,"end_word":121,"sentiment":"positive","sentiment_score":0.6053614020347595},{"text":"Now just before we jump into that strategy paper there as well, I know you completed that Neos quote the other week for the reduction. Now I'm not too sure what happened, but the signature didn't come through on that document. So what I'm gonna do is I'm gonna get the team to resend that one to you today. Just as I said, I'm not too sure what the auto sign did. The the signature didn't come through on the document. What did you remember signing that by any chance? Like, as in, like, drawing What a signature? document? Sorry. I just had the PDF and a document that talks about the types of different accounts or something. No. The doc the ODU sign you completed for your insurance reduction quote, that was, like, before I sent that through. Do you remember completing Yeah. that? Who who does that come through? Is it DocuSign or something that I can search for? Odoo sign, like, o d, double o. O d double o o two. Okay. Because O two it's sign. a because you know we're talking about you wanted to reduce your life in TPD down to the one point Yeah. 5,000,000. Yeah. Yeah. I do remember that, but I get the context. I'm trying to search in my emails. If I've received this email from o d o o. Right? Yeah. O d o o. I don't think I have. Yeah. So it was that one, but I'm not too sure what happened.","start_word":122,"end_word":375,"sentiment":"neutral","sentiment_score":-0.08037208161485476},{"text":"Like, the signature didn't come through on the document.","start_word":376,"end_word":384,"sentiment":"negative","sentiment_score":-0.38823357224464417},{"text":"So I'm not too sure Oh, what occurred. okay. But, yeah, what I'm gonna do is I'm gonna get the team to resend that to you. It obviously hasn't passed the renewal date just yet. So what we'll do is we'll just resend that quote. And then, yeah, you just gotta ensure to draw the signature. Now I'm not too sure, like, as I said, what did happen, but the signature didn't come through on that one. Oh, I have an email that says the document eighteen zero two neos reduction code dot pdf has been completed and signed by you. I have that email. Yeah. Yeah. Yeah. So that's Interesting. that's what Okay. I'm saying. Tell I can me see again. that Yep. completed it as well. I just don't know what happened that there's no signature on the actual document itself. So I'm just gonna read, draw that up for you. So just so you're aware that it's not a double up, it's just that it the signature is not on it, so I can't submit it without it. So I'm not too sure exactly what happened. But that that's fine. Now in terms of the document there, Kij, have you had a chance to to read through those options, have a little look and compare a few things and have a bit of a read through? Yes. I have. Yep. What I don't understand is is this something that is coming up for everyone? So is it something that I have to give you a decision and Meenal will also have to give her a decision once her account is all stabilized and finalized. So in regards to that one, obviously, her advice will be quite new in terms of the recommendation that Dana would have made for Mino. So personalized advice is personalized for that reason. It's personalized to the individual, not just like if it was just like, like, anyone could sort of, you know, do No.","start_word":385,"end_word":716,"sentiment":"neutral","sentiment_score":-0.028798521956406444},{"text":"No.","start_word":717,"end_word":717,"sentiment":"negative","sentiment_score":-0.4236869812011719},{"text":"it. No. A lot Sorry. of it does, like oh, sorry. I I I sorry. Sorry, Carl, to interrupt you. I I understand I understand these things. However, I'm Yep. trying to understand. My question is to to do more to do with the fact that is OQ making this a policy arrangement for all customers, or is this just catered to me by your side from from you? In terms of, like, the options available, they're available to everyone. In terms of, like, the strategy paper, generally, like, not too many people get a strategy paper because they just get an advice document. So you Okay. get, like, a little bit of a more of the figures on the options. Generally, like, people just go straight to the SOA stage, and then they'll have just a little bit of a brief, like, outline of the alternatives that were considered. They're just not placed in the document. And then if Yep. that someone wanted to view, like, a one alternate option, then it sort of ends up in the appendix, and then you get a few more figures with that as well. In Okay. terms of, like, the amount of information you're getting for the alternative options or the options available, generally, no. Like, that's just something if you wanna compare a little bit more in-depth before you make a sort of decision to be a part of that a little bit more as opposed to receiving the statement of advice. Okay. I understand now. I'm I'm I'm going to assume for the sake of conversation that these Mhmm. are options that you've kind of sent only to me for now, and this is some kind of a strategy that you are proposing for me. Is that correct? Yes. So in terms of, like, the options available, like, they're obviously available to to other, like, other customers there as well, especially sort of when it comes down to investments that are approved by the investment committee. In terms of, like, changes you can make, you you can make slight sort of adjustments within, like, a few sort of boundaries of, like, approved product lists and things like that. Okay. The strategic managed account that they have built now, that would be the same across the board for everyone in terms of the available ones there. So there's broken up into, like, four groups. So you've got your, like, your your more aggressive, your high growth and growth, and then your defensive portion. Yep.","start_word":718,"end_word":1140,"sentiment":"neutral","sentiment_score":0.06290146676783866},{"text":"Now within that strategic managed account, you can break those up in terms of, like, you can have 30% in the higher growth and, you know, 70% in growth to get the, like, risk allocation that you'd like.","start_word":1141,"end_word":1178,"sentiment":"positive","sentiment_score":0.3430173099040985},{"text":"But in terms Okay. of what's in across those accounts, all the same for everyone that would be in those. Much for the same if, like, the same portfolio was recommended, you may be in a similar portfolio to another customer. Obviously, it changes slightly in terms of how the weightings go. Your contributions going in the weightings do become a little bit askew, but it's all part of, like, our approved product list here at Oakview as well. Okay. So right now, in the comparison, it shows my current is on what is it called? In the table, it just says current, but I don't know if I'm on the core or choice because I after that, I did visit the Hub 24 app. I logged in and tried to figure Yep. out more, you know, managed funds there. And there Yep. are a lot many managed funds, but all of them came up with the same names, you know, active, high growth, etcetera, etcetera. So what am I currently on? Yep. What So is my the current standing as? Is it yes. active, high growth? What what does it stand? Where does India? So yeah.","start_word":1179,"end_word":1375,"sentiment":"neutral","sentiment_score":0.07999962568283081},{"text":"No. I completely understand where you're coming from that kid.","start_word":1376,"end_word":1385,"sentiment":"negative","sentiment_score":-0.36455151438713074},{"text":"So when it comes down to your actual account itself, so the the difference between core and choice is the difference between investment menus, basically. One's like the base option, which has a little bit more of a limited menu, and then one has more available investment options if you do wanna become a little bit more customized in terms of your investment options or, like, not limit your investment horizons, basically, in terms of, like, what you can go into.","start_word":1386,"end_word":1466,"sentiment":"neutral","sentiment_score":0.050060027911339275},{"text":"Now the benefit of the SMA is that with that, the the core there, it's available on the core, and the core is actually cheaper in terms of management fees and member fees, Uh-huh. which you can see in terms of, like, the the flat member fee account admin fee. So it's a 100 Yep. and $80 per annum to be in that choice, but for the the core option, there's no no fee there. It does cost a little bit in terms of the fact that some of the investments do make up for that.","start_word":1467,"end_word":1562,"sentiment":"positive","sentiment_score":0.42627573013305664},{"text":"In terms of the investment cost can be a little bit higher in certain options, But what you're doing is you're saving that $108 flat membership fee if you were in sort of that strategic managed account. Now in terms of, like, the investment option that you're currently in, so you are currently in a a growth option there. Now that's about an eighty twenty split. Now the difference between that being active and passive and things like that as well does depend on what, like, sort of you have in your account. Now the majority of your portfolio is, like, passive index funds. Now and then you do have that actively managed account, that Benelung account, which as we both know didn't perform well that had that underlying investment. They sort of went really downhill with that. But that's not to say that your entire account is active. You have a small portion like a satellite directed towards that to try and outperform that market.","start_word":1563,"end_word":1728,"sentiment":"neutral","sentiment_score":0.03939153999090195},{"text":"Now, obviously, that does carry management risk and higher risk in terms of the fact that they are trying to out form the market.","start_word":1729,"end_word":1752,"sentiment":"negative","sentiment_score":-0.37649330496788025},{"text":"So you do have those things that do occur much like with Benelon.","start_word":1753,"end_word":1765,"sentiment":"neutral","sentiment_score":-0.254240483045578},{"text":"They made a bad choice, and it did affect their portfolio and performance there Yep.","start_word":1766,"end_word":1780,"sentiment":"negative","sentiment_score":-0.4792460501194},{"text":"Yep. as well. But that is the only active portfolio on my portfolio, right? Because everything else is all ETFs. I keep seeing there are a lot of gold, battery, technology, banking, all those ETFs that Yep. are invested Correct. in, correct? So they're lower cost ETFs that are passively managed in terms of the indexes they follow. Yes. Okay. So basically, if I may say so, outside of I mean, out the Benelong managed fund is an outlier, but everything else currently as per your document, I can say that my portfolio investments are all passive right now, isn't it? Apart from the bed alone. Yes. Apart from the Benelon. Exactly. Okay. Alright. So, yeah, so in all of this, what was what do you what do you recommend as an option? Because I lean over to passive. I would rather have consistent growth than explosive growth and high risk or exposure to sudden downfalls. You know what I mean? Yep. So, Yep. yeah, I would rather stay in the middle than on any side of the road, frankly. And I I completely agree with the way you sort of view risk and that you do sort of not like the those fluctuations as much that a more passive approach would be sort of in your better interest just in terms of peace of mind, the cost of savings that you would get. Now Mhmm. you do also get that in the SMA. Now because it is a strategically managed account, they can have active portions. Currently, it's all all passive within the SMA. You do pay a little bit more in terms of the investment cost, but that's also the benefit of having that SMA there as well is you have the managers at BlackRock and the investment committee here at Oakview that would also review those regularly and then be able to make changes like you were sort of requesting earlier as well Yeah. when they sort of see changes in the market. Now you do pay a little bit more for that. It is managed to a certain degree, but it's not into the sense like a managed portfolio where they're really trying to out on the market currently. At the moment, they're just managing those index investments to find sort of, you know, value in the market to be able to change those, see things that are changing, and be able to make adjustments with that as well. Now it is cheaper still than going, like, with an active portion, but it is a little bit more expensive than just having your own, like, passively managed portfolio in terms of that as well. Yeah. Yep. I'm definitely not leaning towards the active. I'm not definitely not leaning towards the active, but Yep. what's the other one? Active and then There's the SMA, which is like it's passive And investments, then and but then it's the passage. it's Yeah. yeah. Yeah. Okay. So a passive and the SMA are both passive investments. One just has the ability for the managers here at OPU and the investment committee to make changes along the way. Whereas if you were to update something in that passive option, you would have to go back to advice. We'd have to do a whole document again and things like that as well. Okay. So from the SMI perspective, you said there are BlackRock people sitting shoulder to shoulder with you, and then you guys work together on a strategy. Is that what you said? Did you just say earlier? Yep. So once I think, like, with it being new, I think every sort of month or so they meet, and every quarter they do a review of Mhmm. the investments. Not to say that they'll change anything. They just obviously monitor it. So, basically, the portfolio is getting review at least, like, once a quarter as opposed to opposed to maybe, like, your once every 12 months with your or your six monthly catch up, things like that. And like I said, yeah, they're working with the investment committee. They'd use their AI software, Aladdin, to be able to research the markets as well, and it is powered a lot through that BlackRock software Okay. in terms of that built portfolio. Okay. So I'm definitely not leaning towards the SMA. There are two two basic things. One, I'm working with you and your client. Two, with SMA as a BlackRock as a third party added to it. I don't have direct exposure to those people. Or if I have questions or whatever, I'll still go through you guys. Right? So I would rather stick to you guys and work with you. So SM is definitely out. Active, you will yes. It does offer potential, but I think it comes at very high cost Yep. with the active, if I'm not wrong. The active right now, what is the cost increasing cost? Oh, so I'm now let's just talk about that grid on page number eight. If you have the document open in front of you, I can ask you a direct question from there. Bear with me. I'll just bring that one back up there, Kij. Pay date, did you say? Yep. Yeah. Page eight, where it shows a fee structure table between the current and active. And Yep. what I want to understand is even if it is active, it is still with OQ. Right? It does not we're just changing the structure of investments from passive to active, right? But it's still Okview, not Blackhawk, correct? So so within even the the SMA, it's not like your funds are with BlackRock per se. They're just part of the committee that helps build and monitor the portfolio. Funds are still with us. They just are in some BlackRock investments similar to, like, the active portion as well. Your funds are still all under Oakview Financial. It's just the investments that are chosen. So much like your current fund, the active portion, it still has a, like, a core of being passively managed ETFs, and then the active port portion is just another portfolio, much like Benelung. So Benelung obviously is has in is investing your money, but still your money is all, like, under managed by us. Similar with the SMA as well, it's not like we're giving your money off to to BlackRock Okay. to to manage. It's it's still under Oakview. You're still an Oakview customer. Just the the committee itself, you are in some BlackRock investments within that portfolio, that estimate. Not to say that it will be moving forward. It's quite fluid in terms of the changes and things like that that we'll make. The only thing that BlackRock gets out of that, basically, is by having you in some of those BlackRock investments similar to even if you weren't in the SMA. If you're in some BlackRock investments, they have investment fees for holding investment Okay. funds as well. So it's still no matter what option you choose, you're still an Oakview customer. Your funds are still with Oakview and still managed by Oakview. Okay. So what is my risk exposure if I'm with back BlackRock? What I'm what I don't understand is for 100% of my money that is invested with you guys through Hub twenty four, What is my risk exposure with BlackRock? That is what I don't understand because the risks that I mentioned here, right, like market risk, manager risk, liquidity risk, manager risk is one that I'm concerned about. Yep. Excuse me. Transition risk, well, the money could fit in cash for a little while. That is what I understand. Yep. Operational risk. Yeah. So operational risk is something between since it is between Oakview and BlackRock and it's, let's say, once every quarter that the team meets and discusses all SMA accounts with them. What is my risk exposure? Am I going in a very high growth kind of a thing with because No. You'd in still the be yeah. within your, like, allocated risk profile. It would aim to be around that that eighty twenty split. I'll just see what it actually came out to with the the breakdown there. So you'd still be in line with your risk profile. We'd be looking at for the the SMA, you'd actually 70 be a little eight less exposed. 21. Yep. Exactly. So you'd have a little bit less allocated to actual growth assets. So, technically, you'd be a little bit actual growth assets. So, technically, you'd be a little bit dialing it back in terms of your level of risk, and then you will also not have a managed fund risk. Now in terms of, like, obviously, BlackRock and Oakview as investment committees review those investments and make changes, much like the investment committee that makes changes to these portfolios, the investment committee here has the approved product list. If anything, they've just got a little bit more backing through BlackRock. Now all the investments under that SMA aren't like BlackRock investments. There's certain, like, iShares and things like that as well that have just been been chosen due to the the lower cost of those and then their past performance, you know, future outlooks that they've built. Now in terms of that manager risk, they can change those underlying assets and allocations with that if it has to be in line with the investment philosophy. So in terms of, like, geopolitical risks, you know, being diversified across different geographical locations and things like that as well, it is quite strict to criteria and what they actually can change. They can't just, Okay. like, you know, sell you all down and put you all into, like, one fund and things like that. They are quite strict. And if anything, BlackRock would be stricter to adhering to those allocations than Okay. say, you know, a smaller sort of firm being able to monitor those and make changes and things like that as well. Okay. So basically, with BlackRock, with with an SMA type of an account, I will just call it type of an account. Right? It Yep. is still a type of an account with you guys. Yep. Yep.","start_word":1781,"end_word":3499,"sentiment":"neutral","sentiment_score":0.03469454537407474},{"text":"That's good.","start_word":3500,"end_word":3501,"sentiment":"positive","sentiment_score":0.5332139134407043},{"text":"Yep. Yeah. Isn't it? So if if if SMA is involved, what I see is the exposure is pretty much it is actually even better because right now, the current is at an eightytwenty split. This will be a 70 eighttwenty two or 70 ninetwenty one split with the SMA. With the current, we are set to a that is how I started with you guys. I was set on a yearly update. However, it can be changed over the period. I understand that it can be changed to a quarterly. However, Correct. SMA will do it actively even without me being involved. Isn't it? Yeah. So Okay. with Yeah. yeah. So even if I was to review your account quarterly with you, for me to change any of your investments, say, a quarter from now, even though I wouldn't recommend sort of changing Yeah. your portfolio up that sort of regularly because that's a bit more day trade esque and, you know, you can be lumped with more taxes and things like that depending on how long they're held, which, you know, all accounted for with, you know, BlackRock. They do all those calculations where they just change it in the background. So when you buy into an SMA, they're the fund managers of that SMA, and you just hold the SMA. So, technically, you only hold that one underlying asset within that is much like a managed account. You hold multiple ETFs, multiple things like that as well. But they can change all the things, but your allocation of what you hold is still just either one or two, most likely, of those SMA accounts, and that will never sort of change. But everything underneath that is sort of ever changing as they grow and update. And if I was to just have you in that that one fund there, obviously, we can make changes. But every time we make a change, we've gotta go to advice again, have the conversations, redo your risk profile and everything, and then be able to update that in line with that as well. Okay. So what I understand is current versus SMA, in the current, if we go through a quarterly update and we decide, oh, we got to sell these investments and reinvest that money into something else, Yep. the time that these investments were held and when they're sold, then there is a short term capital gain tax or some kind of taxation involved. So there'll be some costs for me on my account, isn't it? Yeah. If you're changing that regularly. Exactly. And because we're changing that regularly. But if it is an SMA and I hold a so every time I'm buying a certain set of SMA units at some rate that is there in the market and internally, it is just like a mutual fund, isn't it? Where we are investing all our funds in and they're the ones deciding how much they're exposing to active versus defensive kind of things and they decide which equities to invest and ETFs to invest in and things like that, right? Yeah. And and currently, it is all passive. Not to say that that would, like, it might change in the the the future. It might not. But, yeah, at the moment, they're all passive investments in the underlying just to, like, forewarn you. That's not to say that they weren't ad active in the future, and you could be in that SMA and they could ad active. You'll still get, like, your investment buy sell, like, updates on what's going in. But it's a lot harder to sort of view what's in there because it can be changing, like, as you sort of go along as well. Right. So, okay. So my exposure to taxation or cost on my super is low because I'll be just buying certain units of that estimate, and they're doing everything internally for buying and selling. So I do not have that. I'm abstracted or protected from all those taxation and all those issues or It's costs still on my super. it's it's still there in a sense, but it's, like, dealt with by the managers underlying and changing those and dealing with Yeah. that as well. You just have, like, the basically, like you said, like, the units of that. Fund. Yeah. But you still, Yeah. like obviously, there's still taxes involved and you still bear the the cost of that, but it's not like if you were to hold it and then just have a huge, like, CGT. Like, you still pay CGT and things like that as well, but not when sort of those little buy sells occur. It's kinda built into the the buy sell cost, and it is managed a lot better inside an SMA than it is outside. Okay. And when we talk about the SMA, the current allocation, right, 78% versus 21%, The 78% is in passive and exposure to active is 21%, correct, No. if I No. understand No. you, It's it's the it's other all one? it's all passive, but it's so, like, it's, like, 80% investing in growth assets, and then the 20% will be more defensive side of things. So that's, like, your Yeah. cash Okay. fixed The lower interest is bonds. different. Yeah. And then the other one's towards growth assets. So still all passive in nature in terms of their all index ETFs, things like that. But it's different between growth and defensive asset classes. So one obviously aims for more capital growth and then some earn like, with the defensive, either aim for, like, income earning, things like that, you know, like your fixed interest is bonds. Okay. Yeah. Okay. And with the SMA, what kind of a fund am I going to be investing in? Is there a name, a particular name or product that BlackRock has that I buy units of or No. So the the SMA was actually, pardon me, was named by something? Oakview. I'll just bring up all of them, to be fair. I did send the the Oakview PDF, I believe, as well. Yes. Yes. I do. Do you want me to open that? It was a very long document, and I'm like, you know what? This is a standard looks like a standard PDF That document. PDF is Yeah. solely actually just in regards to the relationship with BlackRock, their investment portfolio process and everything as well, as long as, like, the fees and things like that and the buy sell spreads. Obviously, it is quite a lengthy document like you did say, but that's all in regards to that that SMA. So, obviously, it's different to, you know, Oaktree's other investments, but the different types of investments you can be invested into under that is growth, which is a more balanced.","start_word":3502,"end_word":4651,"sentiment":"neutral","sentiment_score":-0.01494924099468019},{"text":"You've got your evergreen, which is a growth.","start_word":4652,"end_word":4659,"sentiment":"positive","sentiment_score":0.3645890355110169},{"text":"Your blooms are high growth, and your catalyst is like an all growth or like a high growth, like all aggressive. And Mhmm. the the two funds that you'd be in, if you were to sort of look at that because we did, like, a split to get you to more of that seventy twenty split, you'd be invested, like, majority, like, two thirds in bloom and about a third sort of thing in evergreen, maybe a little bit more than a third. Okay. So okay. Oh, oh, I see this. I'm on page number seven. Remember, actually, related to fees and costs. Hold on. I'm going to page number six. Okay. So I have 24 managed portfolio service, original annual fees. It's just too much to read. However okay. So I see on page number seven, example, evergreen growth portfolio. That's what I see. Okay. And Yep. So if you scroll down to oh, yeah. Yeah. page page Eight. 13 just or even yeah. List all of them or yeah. Some it's like obviously crosses different pages and things like that of what they are. Yeah. Yeah. Page eight's got it as well of the Yeah. different cost of products and the breakdowns. But, yeah, with yours, you'd be across Bloom and Evergreen, which is, like, your high growth and growth and a mix between that to get you closer to that seventy twenty split sorry. 80 Yeah. Yeah. Yeah. Yeah. Okay. So and Evergreen 20 split. and Bloom are the recommended products that you guys you guys I think that's what's coming across to me. Yep. Clearly, Those there would are four products, but you're recommending two of those. yes. Because just to get the balance like, obviously, you can mix the balances up a little bit in terms of that, but with you could either go, like, all in bloom, like, high growth or all in evergreen growth, but then the allocations might be a little askew.","start_word":4660,"end_word":4989,"sentiment":"neutral","sentiment_score":0.1125231580752315},{"text":"So with being allocated in both, not only do you get a little bit more diversification across that, and you can be split more across those investments given that you have greater diversification being in an SMA because you can spread your money a bit further because it's pooled with other people.","start_word":4990,"end_word":5041,"sentiment":"positive","sentiment_score":0.4275595545768738},{"text":"Yep. And then with that, between the growth and the high growth there, you get that eighty twenty split, which is in line with that risk profile of yours of getting that sort of mid range where you're still aiming for growth, but you also don't want a huge amount of volatility as well. Yep. Alright. So if if I go with SMA and you're recommending Evergreen and Bloom, is that 80% goes into Evergreen and 20% in Bloom or the other way or half of my money goes to Evergreen, which has an exposure internally eightytwenty and half of my money goes into Bloom with a high growth of portfolio and it has its own exposure of eighty-twenty or seventy-thirty or whatever. So I'll have a look at what the split, like, sort of comes down to. So it's about 60% would be in bloom and about 40% would be in evergreen. Okay. And where are you reading this? On the That's PDF, is it? that's just a breakdown based on the the account balances for the figures I got. So just when they put that portfolio together for the figures that you have in that document, so that's not actually listed there in terms of Okay. that. Yeah. So, obviously, just on that strategy paper there, it just gives you the breakdowns. But yeah. And then across that, so those fees are based on, like, a 60 a $60.40 split between Bloom and Evergreen. I just didn't put that down, unfortunately. Sorry for that. Good. Okay. Because are you reading this somewhere else? Because I don't see this. This is not in the document, right, what you're saying? Yeah. Yeah. No. That's not in the doc that Okay. breakdown. Okay. Okay. Yeah. Yeah. Yes. Okay. I understand. I understand what you're coming from, where you're coming from about it. Okay. So okay. See, frankly, what is your recommendation? I mean, I can take a call, but then, you know, you understand this space better than us, and Yep. we are your customers or clients because we need that advice as well. Alright? So Yep. with this, if I'm on the comparison sheet for page 12 for the SMA, Yep. I look at the current SMA active and passive, Yep.","start_word":5042,"end_word":5422,"sentiment":"neutral","sentiment_score":0.06753749464909863},{"text":"definitely having lower cost is a big, big plus on a super, isn't it?","start_word":5423,"end_word":5436,"sentiment":"positive","sentiment_score":0.4938017427921295},{"text":"Yep. So what is your recommendation? What would have you done if you were if this was your super? It sort of depends on what you want it to the end of the day as well, Kj.","start_word":5437,"end_word":5473,"sentiment":"neutral","sentiment_score":0.14536572992801666},{"text":"But in regards to these options, now I know passive does look really, really appealing in terms of, like, the returns that has been getting plus the fees you do pay.","start_word":5474,"end_word":5504,"sentiment":"positive","sentiment_score":0.3625233769416809},{"text":"Yep.","start_word":5505,"end_word":5505,"sentiment":"neutral","sentiment_score":0.28179317712783813},{"text":"But it is to be mindful that that's just because over the past sort of five years as well, the market have been doing really well post COVID in terms of, like, being on an upwards tick.","start_word":5506,"end_word":5542,"sentiment":"positive","sentiment_score":0.3518281579017639},{"text":"And just Yep.","start_word":5543,"end_word":5545,"sentiment":"neutral","sentiment_score":0.31857678294181824},{"text":"being in those index investments, obviously, they're gonna perform really well because the market's been performing really well as well.","start_word":5546,"end_word":5565,"sentiment":"positive","sentiment_score":0.4951356053352356},{"text":"Now with that, if you were in a passive investment for those five years, obviously, it would have performed really well. You wouldn't had to do too much. You wouldn't really had to have reviewed it. Now Mhmm. with the SMA, with it being a little bit more turbulent, you do get that peace of mind that you do have, like, a higher level of sort of software going towards reviewing, monitoring, updating that portfolio, a bit more professional management in terms of going forward as opposed to just doing quarterly catch ups, your your 12 monthly, things like that. Now, Mhmm. obviously, in terms of cost, there's not too much of a difference in terms of cost. Like, a $100 really isn't too much in terms of a yearly expense with Yeah. the in regards to that.","start_word":5566,"end_word":5703,"sentiment":"neutral","sentiment_score":0.2296835333108902},{"text":"And then you do get those added benefits if it's reviewed more regularly. You don't have to worry as much. It does come with less admin work with the changes they do make.","start_word":5704,"end_word":5736,"sentiment":"positive","sentiment_score":0.4203227758407593},{"text":"You obviously have a little less oversight in terms of, like, the changes that are being made, but you're still made aware with those email updates and the changes in the buyers and sales they do. Now they might not do it. They might change it.","start_word":5737,"end_word":5782,"sentiment":"neutral","sentiment_score":0.13429738581180573},{"text":"Depends just what the market and what they see moving forward as well. And it gives you a little bit more of peace of mind as well. And as an average of, like, moving forward and how it's been tracking sort of over that three year period as well, those investments that are currently have been doing quite well in addition to the fact that, you know, with that management ongoing as well, they could potentially outperform the market even through passive ETFs as well, which you wouldn't potentially get just a passive investment because it just tracks the market.","start_word":5783,"end_word":5882,"sentiment":"positive","sentiment_score":0.4612795412540436},{"text":"And if the market was to hit a bit of a low with all the, you know, the world wars, I know Iran just kicked off on the weekend. So those sort of things. You don't know how the markets are gonna slow over the next few years with those conflicts Yeah. going on. And even if you are paying a lower cost, that's fantastic. But if you're not sort of getting the returns there as well, there is that sort of downside that you can't make any changes without sort of coming back and going to advice as well. Yeah. Exactly. And that's what I'm a little see, BlackRock is a very big BlackRock, Vanguard, they're really big players in the market. Right? Yep. So You've I'm been sure around, know what they're doing. Yep. they'll definitely. Definitely. They will do they they definitely do that, but then I'm a very small player Yeah. individually. So if something screws up for them, it is a loss. They'll write it off and they'll build it over the years because it's an organization. For me, I'm an individual. I really take the hit. So that's where I'm more concerned about. I do understand. Yeah. If anything Quarterly review is sorry? too if anything too with the SMA, you actually have more diversification for that level of cost as well. Mhmm. Like, with the recommended portfolios, whether it be passive or active, our current portfolios, you kinda spread across, you know, like, normally the the six to eight sort of funds if that depending Mhmm. on the portfolio. Whereas in an estimate, because you pulled as well across those two funds as well, not just the singular fund. Obviously, there might be some overlap, but you actually have a wider degree of diversification across different assets as well. Yes. Okay. Okay. I understand. So if I were to invest in BlackRock Evergreen, I can do that outside of the Hub twenty four as well? No. So that's one thing because it is an Oakview portfolio powered by BlackRock. At the moment, it's not public. So they will like, that's what, obviously, the end goal is to make it to where it is a publicly listed SMA that people can invest in even if you're not a customer of Oakview. But at the moment, it's built from the investment committee here within liaison with BlackRock. So it's like an overview portfolio SMA powered by BlackRock with the goal of going public at some point down the track. Okay. Now I understand where this is coming. All of this is coming from. So it's a product internally Yep. worked in collaboration with BlackRock. Okay. And we are we are kind of so how long has this SME been alive for? It sort of was in its final stages getting developed the end of last year and come January, it went live. Okay. And as as it went live, it is already selling at these high numbers, $185 a unit or something. Like, I see it on page number eight or nine wherever wherever I was. So so Yep. with that, in regards to the investments within it, the investments within it have been around a lot longer than the SMA itself. That's why when they first started, they build it passively with those investments, much like if the investment kitty was to just pick, you know, a bunch of investments that are in the market currently and make a portfolio from that. It is much like that in the sense that they're not picking individual shares and building the portfolio. They're still using those ETFs that have been around a lot longer, which is how they're able to get those, you know, five year rolling averages, things like that as well. Mhmm. Because You're the investments right. that they're actually built from, that they built to start off with, are from investments that have been around a lot longer than the actual development of the SMA. They haven't just, like, built it based off individual shares. They've started, you know, with those index funds. They might move to more managed funds. They might hold some direct shares in the future, things like that as well. That's up to the direction of the investment committee and how they wanna build it moving forward as well. Okay. So, okay.","start_word":5883,"end_word":6615,"sentiment":"neutral","sentiment_score":0.07204330066094457},{"text":"To summarize, and I don't I don't want to hold you back for a long time now.","start_word":6616,"end_word":6632,"sentiment":"negative","sentiment_score":-0.34862709045410156},{"text":"It's probably quarter to six in Brisbane, isn't it? Yeah. Yeah. Yeah. So to conclude, I understand now what you're talking about SMA. However, Yep. the active and passive are still managed completely by OQ. Right? There's no So it's in collaboration with BlackRock and then BlackRock they there. do hold some BlackRock investments within that fund. But as far as the money itself, it's still held and managed by Oakview. Okay. And those Yeah. grove and, like, the PDS, you can have a bit more of a read through it. Now you just sort of know it's towards the SMA. It is based on the fact that Oakview have built those. They're Oakview SMAs powered by Yep. BlackRock. Yeah. Yep. Okay. Okay. Okay. Alright. So Yeah. It's a lot of information coming at you there, kid. yeah. Obviously, like, you know, it is Yeah. sort Tell of me. like through like, our conversations, I would say it's between the SMA and passive. It just if you want that little bit more of a professional oversight moving forward and, you know, a little bit let more of a a hands off. You obviously still get the updates. You still see what's going on. You can still call up and ask what's happening, what they're sort of doing. But in saying that in terms of, like, the investments picked, you you wouldn't be able to, like, make specific changes to it, whereas with the the more passive option you could. But in saying that as well, you would have to go to advice every time as well with the updates and making sure it is up to date moving forward and things like that as well. Yep. Yep. So okay. I I I'm I'm trying to get to this as quick as possible, but do you please bear with me. I went through the statements and I see a lot of tax being deducted. It's always for the money that is being Yep. invested in or sold and then we buy something else in place of that. Right? With the buy sell cost, so, yeah, your portfolio to some degree does sort of rebalance, not if, like, to the full extent of what the original recommendation was, that things are sold and bought to be able to sort of align with that portfolio a little bit more. And it's generally sort of at the end of each month if there's enough sort of allocated cash from your contributions going in that they do those those buys and and sells to rebalance it slightly. Mhmm. Exactly. But it's For every transaction, there'll be some tax going forward. inside yeah. So Right? any sort of soul where there is a capital gain, obviously, there's losses that offset that as well. Within regards to an SMA, obviously, you still pay those taxes as well, but it's done in a way that it is less, like, in terms of reducing the tax liabilities and the holdings and the sales and the the buyers of that with it being, like, a pooled fund as well and Mhmm. the way that works. So even though there is still tax associated with that, you know, a managed fund might pay quite a bit more over the the life cycle of it being, like, active and, you know, the buyers and sales and the cost and sales and the changes as opposed to an SMA, if you just hold that one SMA, the the capital gains is generally lower as well over a longer period of time. Right. Okay. So that's what I wanted to understand. Capital gains, gain taxes, hidden cost or hidden expenditure, you know. Yep. Alright. So that means okay. And if I go with an SMA, do I have a choice to roll back from an SMA if I don't like something? Yeah. So with that, the the funds that carry across even currently from your current portfolio into the SMA, they still get in in species transferred. So any funds that match up with the funds that are actually in the SMA, they just carry across to the SMA. Now in terms of the ones that don't, it would just be like selling out and moving out. You're not locked in by any means, but, obviously, you still gotta pay the liable taxes and things like that if the investments change much like, you know, anything. Okay. Okay. So does that mean we're going to take a hit on selling Benelon and then moving into SMA if I choose to go with an SMA? So at the moment, the CGT liability is if you went to the SMA, it would be higher because the investments themselves are changing quite a bit, like, differently. So currently, it's around $1,200 if you were to go the SMA in terms of the CGT cost. That is offset of, like that's with the offset of the the loss with the Benelon. Now if you went to, like, the active portion because a lot of the portfolio is staying the same, we're just changing likely the active portion and a few other the tweaks and rebalancing a bit. It is a lot lower. It's around the 300. And then if you went to the passive option, it would be a $500 CGT. That's because a lot of the portfolio would remain the same. The core would remain the same. It would Mhmm. just be a few a few changes and updates to make it a fully passive portfolio, which would do in turn to come from those active portions and the one that weren't performing too well.","start_word":6633,"end_word":7580,"sentiment":"neutral","sentiment_score":0.020188340862214816},{"text":"Whereas going to the SMA, you would be selling out of a few assets that have made a gain that aren't carrying across to the the SMA, if that makes sense.","start_word":7581,"end_word":7611,"sentiment":"negative","sentiment_score":-0.35350319743156433},{"text":"Yeah. Okay. Alright. I understand. Then along is definitely as of thirty first twelve showing a loss of $3,000 but there's nothing else that is showing a loss of loss of any amount. Alright. Okay.","start_word":7612,"end_word":7646,"sentiment":"neutral","sentiment_score":-0.17745991051197052},{"text":"I think moving to the SMA probably makes sense.","start_word":7647,"end_word":7655,"sentiment":"positive","sentiment_score":0.3476599156856537},{"text":"I see that you're kind of recommending that not saying it though, but you're kind of hinting towards an SMA is a better option to go with because it gets reviewed every quarter instead of we reviewing it once a year. And if there's a review quarterly, then we have to go through a lot of advice preparation again. I have to be involved, lot of signing Lot of this and lot that of probably. admin. Yeah. So A like lot of like admin I work. said Yeah. yeah.","start_word":7656,"end_word":7744,"sentiment":"neutral","sentiment_score":0.14822062849998474},{"text":"So I feel like the SMA, like, obviously, without, you know, putting it together and advice piece probably best suits you and your needs in terms of, like, not only, like, what you're getting out of it, but in terms of just, like, for ease of mind and your lifestyle and, you know, what you wanna get out of, you know, your investments as well.","start_word":7745,"end_word":7809,"sentiment":"positive","sentiment_score":0.3400128185749054},{"text":"But the passive's still an option that's more than suitable for your needs depending on if you wanna go down that route as well. Right. And if I go through the passive, where are the investments going to be? Just the way they are right now, or are we moving to something some other product? So if you were to do just, like, a passive option there as well, it would be largely like, a lot of the call would remain the same. And then with that, there would be some changes to the exposures with a few of the more satellites, but your S and P 500 would stay largely unchanged. A few of your alternate outside The US and things like that would change slightly. But we you still would hold a key holding of what you currently hold moving forward, which is why that capital gains wouldn't be as high because the the key holdings in your portfolio would remain the same. Okay. Alright. That definitely puts me in a spot between the passive and the SMA. Yep.","start_word":7810,"end_word":7990,"sentiment":"neutral","sentiment_score":0.0905430198374374},{"text":"Yeah.","start_word":7991,"end_word":7991,"sentiment":"positive","sentiment_score":0.38200628757476807},{"text":"And you don't have to make a decision on the spot.","start_word":7992,"end_word":8002,"sentiment":"neutral","sentiment_score":0.2773483991622925},{"text":"You can have a little bit of a think about it, read through the PDF if you'd like, kids, and you can even shoot me an email on which option you feel like better suits you and what you wanna get out of, like, your investments.","start_word":8003,"end_word":8048,"sentiment":"positive","sentiment_score":0.4493332505226135},{"text":"It's not a a huge rush. You've, you know, you've had a few weeks already. What's a couple more days for you to be able to digest the information a little bit as well? Yeah. I would prob yeah.","start_word":8049,"end_word":8087,"sentiment":"neutral","sentiment_score":0.18911242485046387},{"text":"That's a good option.","start_word":8088,"end_word":8091,"sentiment":"positive","sentiment_score":0.5848535299301147},{"text":"I'll probably try and through the week, spend some time tonight also to go through the PDF and understand a little more. But I am I am leading towards the SMA because of a quarterly review. It's a better review to have and preempt some moves than suffer a loss. And, I mean, I I feel this SMA is a little more proactive than reactive. Yeah. And the active and passive and the current are more reactive because that's like a yearly thing that we do. Right? A review and then go through that admin work if we need Yeah. any changes. Exactly. And, like, although super is like a longer term game, obviously, you know, it doesn't hurt to review it like this may may go a few years without even making a change because Yeah. the markets are doing well. But if they see something that they're forecasting coming, it means they can change it for a lot more people. Like, obviously, you know, we try and pick it up if we're doing quarterly reviews, yearly reviews, and things like that. But you may fall outside of something that is occurring, like, Yeah. politically, that's outside of the scope and, you know, it is like a Alright. smaller firm as well.","start_word":8092,"end_word":8304,"sentiment":"neutral","sentiment_score":0.03016936406493187},{"text":"So it's harder to, you know, be able to to call you up, let you know what's happening without sort of just working through everyone because it comes up as it comes up sort of thing.","start_word":8305,"end_word":8340,"sentiment":"negative","sentiment_score":-0.40150612592697144},{"text":"Whereas the SMA, they're doing it not just for the SMA. It's everyone in the SMA, which can encompass a larger group or portion of the book. Right. So, alright. So with the SMA, I'm leading towards the SMA. Last few questions. All these four portfolios or four managed funds or whatever you want to call it, Evergreen and what was the other names, Grow, Balance or whatever. So you're recommending Yeah.","start_word":8341,"end_word":8412,"sentiment":"neutral","sentiment_score":0.1178029477596283},{"text":"the Blue and the Evergreen.","start_word":8413,"end_word":8417,"sentiment":"positive","sentiment_score":0.34869760274887085},{"text":"What is the investment size from your side in this? Because you said this is an OQUE and a BlackRock collaboration. It's Yep. an initiative by OQUE. So do you still call it assets under management, if it makes sense, if I'm I'm asking the right question, how much money is invested in these since their inception? So, like, the the actual funds themselves, how much is in them currently? Yeah. I wouldn't be able to see exactly what's in it currently in terms of, like, a breakdown. Obviously, you know, it's only been started moving in since January there, but there are, like, still, I believe, it's probably at least a a half a million, if not more, that have already gone gone in just in recent times that I'm aware of. Okay. So I'm not it's really, too sure. really fresh. Yeah. Yeah. Yeah. In terms of, like, funds under management, it's still a fund under management of OQ. And, like, obviously, we still have quite the number of, like, dollars under management in terms of everyone that is on board. I couldn't actually tell you the the exact number that's in the individual sort of SMAs currently though, but it is sort of in its earliest stages and in growing. Okay. Okay. So it's it's pretty fresh, pretty new. And if it is so fresh and new, for the SMA, you already have a one year projection, three year and five year. Are these projections or are these returns that have been That received in the last few years? that's past performance and that's collated off the fact that the investments held within the SMS that I built have been around for those time frames.","start_word":8418,"end_word":8705,"sentiment":"neutral","sentiment_score":-0.02488811589622249},{"text":"Otherwise, we couldn't do it. Now, and as they make changes, it actually becomes a lot harder to do those past projections because you've gotta take into account the fact that, you know, this investment was only in there for a year and then it wasn't and then, like, obviously, as a change of scope, it actually becomes a bit of a a projection or past performance nightmare.","start_word":8706,"end_word":8773,"sentiment":"negative","sentiment_score":-0.4185384213924408},{"text":"But currently, all the assets held under that portfolio have existed for those time frames, which is why we're able based on those past performances, what that would project out to be taken into account the the fees associated with that as Alright. Okay. well. Yeah. Even though the SMA itself is new, the the investments held within it aren't new investments by any means at the moment. Okay. Okay. Yeah. Alright. I have all the information I need currently before I have more questions, but Yep. I think I'll go through the PDF sorry, the PDF document for the managed portfolio option profiles, Yep. grow balanced, evergreen growth portfolio, Bloom and Catalyst. Okay. And you Yep. are recommending 60% is going to be in evergreen and 40 is going to be in Bloom. Right? Other way around. So 60 Other bloom, way around. four yeah. Okay. 60 bloom, 40 evergreen. There's those sort Oh, okay. of rough amounts, and that gets you that eighty twenty sort of split between the assets. So 60 is going to be in a high growth. That means high risk. Does it not mean high growth is high risk? In a sense, but also no. So within regards to that, it just means a higher allocation to those growth assets. So even with that eighty twenty, it's 80% growth assets and 20% defensive. So the growth is anywhere between, you know, shares international versus domestic. So that includes your S and P 500. That's a growth asset. So even though people are quite comfortable in the sense that the S and P is quite strong, quite comfortable, and it is like, you know, America and their top 500 companies, it is still considered a growth asset and the risk that comes with the growth asset. You don't carry the risk of, like, direct shares currently. You don't carry that fund manager risk apart from the, you know, the investment committee that makes those active changes if they were to sort of come up. But in saying that as well, you still have 20% dedicated to, you know, things like cash fixed interest and those sort of bonds that hold that defensive portion because those growth assets over the long terms are the ones that get you that capital growth. And at the moment as well, they're considering gold to be a growth asset even though it can be considered a bit of a defensive asset as well depending on the markets. So if anything, you might be a tad more defensive in a sense that you do hold gold within that if you were to go with that option as well. Okay. Alright. And And if I I can't make I can't make a choice between the other two. Right? These are all predecided, Evergreen and Bloom, or do I have a choice to call out now I want Evergreen and let's say, for example, Catalyst, All Growth or something of that sort? I mean, can I choose those, or these are recommended by you only? That's Like, why we it's we're happy yeah. to Yeah. I'm happy to have a play around with it to sort of if you, like, see one like, obviously, the growth and the high growth are in line more with your risk profile and the split between that's to get that eighty twenty. If we Mhmm.","start_word":8774,"end_word":9341,"sentiment":"neutral","sentiment_score":0.04591268878495714},{"text":"sort of jig that a little bit because you wanna go, you know, a little bit more to a balance or you wanna have a bit more in the, you know, the higher growth obviously, if you split across more than two, it gets a little bit higher in terms of cost, so I wouldn't sort of recommend that.","start_word":9342,"end_word":9400,"sentiment":"negative","sentiment_score":-0.3696683347225189},{"text":"Okay. But if you wanna do a breakdown between two separate ones and try and get a similar sort of allocation, we can have a look at that for you as well. It just worked out for the the cost and the breakdown and the the risk profile that that sort of worked out to be. Also, you could look at just doing the one and then just sort of riding the risk either being slightly below your risk profile range or maybe slightly above the risk profile range, but just holding the one the one SMA account as well. Got it. Alright. Yeah.","start_word":9401,"end_word":9504,"sentiment":"neutral","sentiment_score":0.08360512905682509},{"text":"Cool.","start_word":9505,"end_word":9505,"sentiment":"positive","sentiment_score":0.38827797770500183},{"text":"Because Sorry. because, obviously, You were saying you something? can't yeah. The accounts are built for balanced growth, high growth, and, like, all growth, which is like your aggressive option, which is why those four accounts exist and they're sort of just those they base. They stay within those ranges, and then we just move funds between them to make it within your risk profiles. Now I understand. So basically, the Bloom and Evergreen are the ones that stay in the middle of the road, do not go too far on either Well, side. once the the growth and once the the high growth and with the split between that, it gives you that seventy twenty sort of split between the assets they hold within the fund. Right. Got it. Okay. Okay.","start_word":9506,"end_word":9637,"sentiment":"neutral","sentiment_score":0.0705217644572258},{"text":"Cool.","start_word":9638,"end_word":9638,"sentiment":"positive","sentiment_score":0.4622515141963959},{"text":"I'll have a read between the two products, Evergreen and Bloom, and then probably I'll probably reply to this email itself what my decision is, if that's alright. Yeah. No. That's perfectly fine, kid. Even if you wanna have another chat, that's more than fine as well. Alright. Cool. Before I let you go, I was going through Yep. my statements for the last year. There's one withdrawal that shows in the month of March 2025. Can you just tell me what withdrawal is that for and what is that withdrawal? Because the number the dollar value is 3,000 something 84 or something. If you Three don't thousand mind 9. going to the Yeah. No. That's fine. 8,000,000. It was probably just your insurances, but I'll double check. Because it just says withdrawal. It does not say anything else. And I pulled in a document for the last year, twenty four to twenty five financial year, and it shows a withdrawal in the month of March. Twenty four twenty four twenty four twenty four twenty five, January, February, and there you go, March. When was that? So the amount is 3,000 something, and I'm not sure why was there a withdrawal in that month. I'm just confirming because I'll just have a look. I thought I'm on Hump '24 yesterday. Because I dare say it's just the insurance costs. It does not. And that's that's the reason why I'm a little confused why the see, it's it's on the super contributions. Right? So you will see contributions, and Yeah. you'll see a rollout on the nineteenth of some month in '24 and or rollover, whatever it is called. Then you'll see concessional, concessional, concessional, concessional, and a withdrawal in the middle. So it just stands out in my face, you know, when it does that. I don't remember what screen I was on, unfortunately. I'll try and log in. Yes. So on the nineteenth to the third was your premium due date minus your 15% rebate, which comes out to the $3,084.81, which lines up with that that rollover amount deducted Was for that the my trust. fourth year deduction by you guys where you get your fees or something? No. That was the the policy renewal for your insurances. So we obviously get a 22% trailing commission for that. Our one's a monthly amount that you pay towards us and our pre like, our service. But that that lump sum was just for the insurance premium for your Neos policy, which is coming up again in the like, this month, which is why we're doing that reduction now. But that's what I see that deduction for. Because, obviously, it comes out as a rollover because it goes to the trustee of the super fund, which is why it can be done through SuperStream rollovers. And that that amount matches up with that amount that you're sort of concerned about there as well. Okay. So that is towards my insurance, 3,084, is it? $3,084.81 was your yearly premium for the last year.","start_word":9639,"end_word":10150,"sentiment":"neutral","sentiment_score":-0.004081107545061968},{"text":"Yep. So just within a year, it has gone from 3,084 to 4,700.","start_word":10151,"end_word":10163,"sentiment":"positive","sentiment_score":0.35083913803100586},{"text":"Well, the the full amount is $3,629, but you get the 15% rebate for being inside super. But, yes, it has had a little bit of a jump up in terms of that as well. Whether that's oops, sorry? No. No. Sorry. So the 4,700 that I received the quote for recently, after which we decide to make bring it down, but that 4,700 was after the 15% discount? So oh, sorry. I'll just bring up that quote. So I can't remember off the top of my head what the the sums actually came to. Because there's two figures that you can see generally. Bear with me. Yes. Reduction quote. Insurance details. I'm logged into HUB24. Member has no insurance cover, it says. Pardon? You have no yeah. It's that only shows up in hub twenty four. The insurances, if you have group cover within hub twenty four. So you won't actually be able Oh, to okay. see your external policy. In terms of the cover amount, so before the the reduction, it's $4,572 as a yearly premium, and then that drops down to $4,162.69 in terms of that premium. And then the rollover amount will actually be less because you'll get the 15% rebate out of that as well. Right. And now what have we reduced our recent thing to? So The recent it's quote? the one one point five of life and TPD, and then the income protection stay the same with that longer benefit, which is the largely where the cost is coming from, to Yep. the age of 65. So it'll be $4,162.69 as a yearly premium, then you'll get the rebate or the 15% discount for being inside super. So the rollover amount will be $3,538.28 for the the next twelve months for your insurance cost. Correct. And these are the ones that after we brought the yeah. The premium. Yeah. The the With yeah. Yeah. Got it. Got it. Got Yep. it. Okay. Okay. So I I I don't remember where did I see that on the hub 24 where it keeps gives me basically a deposit history and withdrawals on my super. Yeah. You know? There is I a don't withdrawal. know what is it called. There is a withdrawal history. The the view might be a little bit different for you. I can get you a deposits and withdrawals if you'd like, but the withdrawal payment you're referring to is that super super rollover for the insurances for last year, that $3,084. Also, if you're doing Yeah. your cash statement as well, if you're playing around in there and having a look in the cash statement, that'll give you sort of you can go from, like, financial year to date, last financial year from inception, things like that, and you'll be able to see, Yep. you know, the buyers, the sellers, your contributions going in. In addition to that, you'll be able to see those withdrawals coming out as well. And Yep. that'll Yep. be just sort of an itemized list that you can go down and have a look at as well. And then with that, you'll see, like, your portfolio service fees, which is, like, your adviser service fees as well, which are, like, Okay. a monthly deduction. Yeah. Yep. Okay. So now I just want to find out where where do I find my deposit history for the concessional, All of these super the contributions that are going to my super from my salary and everything. Yep. So you'll be able to see those in the cash statement. Also, in account reports, you can look at your deposits Yep. and withdrawals history report as well and then just The generate deposit that.","start_word":10164,"end_word":10786,"sentiment":"neutral","sentiment_score":0.05448679629127296},{"text":"history does not show me anything.","start_word":10787,"end_word":10792,"sentiment":"negative","sentiment_score":-0.3347289264202118},{"text":"I mean, the deposits and withdrawal section on the account, you know, in half twenty four. And cash statement, yes, it will show me, but deposit history from inception, no matter what I select, date requested, and I click search, it says no records to display. And No. It will be in so it's separate to the one that's in the the section you can see. So not in deposits and withdrawals. If you go to account reports, you should be able to you Yep. should be able to generate one on that list called deposits and withdrawals, and you can set your date ranges for that. And it'll give you your your contributions amount that you put in, also salary sacrifices and the withdrawals that come out of that account. Okay. So account report has many sections. Performance report, valuation reports, fee reports, income Yeah. expense, tax It's reports. it's about three quarters of the way down in transaction reports. Transaction reports. Yep. I see it. Yep. Deposits and withdrawals, and you'll be able to click on that one, and you can set your date ranges, and then you'll be able to generate the report and see see those figures. Oh, yep. Now I can see it's from inception, and I can just export it, and I Yep. can get everything in one place. Okay.","start_word":10793,"end_word":11018,"sentiment":"neutral","sentiment_score":0.07655157188398648},{"text":"I've been struggling with this to find where my deposits are.","start_word":11019,"end_word":11029,"sentiment":"negative","sentiment_score":-0.4684441685676574},{"text":"Yep. Okay. No. So That's what fine. was the what was the screen where I was looking at rollover concessional? It was in the second column from the left and withdrawal. Which section was that? Sorry. The in the cash statement or in your deposits and withdrawals? That's what I don't remember. I'll probably go through it once again. It wasn't cash deposits because or cash statement because it gave me only what went in and out from the super, not where the money was then invested. Manage property, these statements, gain loss by security, not that one. Because you can like, when you're in the cash statement, you can filter, and you can filter by, like, deposits or or withdrawals, and then that will give you just, like, your list and make it a Which lot one? like, In if the you're cashier in the cash one? statement, you can just filter by, like, deposits, but you'll also get, like, your dividends paid and things like that as well. With the withdrawals, Yeah. you can do your withdrawals, and that'll have, like, your buy movements and things like that as well.","start_word":11030,"end_word":11221,"sentiment":"neutral","sentiment_score":0.010327087715268137},{"text":"You can have your expenses as well within that that lovely like, your portfolio expense fees and adviser fees there as well, so your investment costs and then your adviser fees.","start_word":11222,"end_word":11252,"sentiment":"positive","sentiment_score":0.4415321350097656},{"text":"And then I'll also come up there that, what else is Probably the the income in statement. at? Yeah. I'm not sure if it was in statement. See, because in the cash statement, it gives me everything. I Yeah. clearly remember line after line, only deposits made from Shell Energy to the super rollover. Only three types of transactions were there, concessional or concession, whatever it is called, because that's what the super deposit is, Yep. rollover and withdrawal. That those are the only three types of transactions there. Don't worry.","start_word":11253,"end_word":11343,"sentiment":"neutral","sentiment_score":0.014862489886581898},{"text":"I'll find it.","start_word":11344,"end_word":11346,"sentiment":"positive","sentiment_score":0.3477506637573242},{"text":"I'll probably go through it, and I'll I need to use it a little more often to understand where I where I was yesterday, last night to go through all of this for this call today. I was just preparing for the call today. Yeah. No. That's fine. Obviously, that that deposits and withdrawal one will have your salary sacrifice, your super contributions split up, and then also with the withdrawal from that fund, which would be the insurance cost there as well. Yeah. And then you'll also have your tax liability. That's like the three ones that are generally listed on that report, and that's all line for line, like, dated. Yeah. Yeah. Okay. As of now, at least I have the report that you suggested, and it's a good way to go through. So I have to go to account reports and halfway or a little more through the screen, I should see in the transaction reports, deposits, and withdrawals. Yeah. Okay. Just in yeah. Transaction reports, deposits, withdrawals, and that will give you you one that you can see all of all of that as well. Okay. And the income expense reports, do they really show real details? Real income versus I mean, you know what I mean? You're probably better off, like, doing your performance reports, like performance with internal rate of return or, like, your portfolio Okay. overview, things like that. Those other ones can get, like, a little bit confusing if you're not really sure what you're sort of looking at as well.","start_word":11347,"end_word":11605,"sentiment":"neutral","sentiment_score":0.06309109181165695},{"text":"But, yeah, the just your performance reports generally are really quite quite good. Your portfolio overview as well, just be able to have a look at that, and then you can sort of just come to us with any sort of questions you might have there as well.","start_word":11606,"end_word":11653,"sentiment":"positive","sentiment_score":0.5483096837997437},{"text":"No problem, mate. No problem.","start_word":11654,"end_word":11658,"sentiment":"neutral","sentiment_score":0.30604588985443115},{"text":"Alright. Cool. Thanks for being patient. I appreciate you giving me the time.","start_word":11659,"end_word":11671,"sentiment":"positive","sentiment_score":0.6216867566108704},{"text":"Yep. It's past six, isn't it, for you? Yeah. Yeah. Yeah. A little bit. But that's that's alright. Generally, I do like bigger bigger days so I can catch people after work and stuff, and daylight savings tends to help a little bit. So yeah. Yeah. Alright.","start_word":11672,"end_word":11718,"sentiment":"neutral","sentiment_score":0.16135214269161224},{"text":"I appreciate that, mate.","start_word":11719,"end_word":11722,"sentiment":"positive","sentiment_score":0.5197861194610596},{"text":"I'll probably let you go now. I'll go through the documents. Give me a couple of days, and I'll probably respond back. I'm I'm leaning towards the estimate, Yep. frankly. Yeah. So, yeah, I'll just go through the docs and then come back. Mhmm. Not not a problem at all, kid. Just shoot us an email when you when you're ready. Obviously, no rush. But, yeah, feel free to to reach out with any questions you might have following that. Yes. And you are sending me another document to sign again. Right? Yeah. I'll get the the team to send out that Neos one just as well for that quote because I'm not I'm not too sure what happened. It's just the signature's not there. So I just have Yep. to be re signed. No problem. No problem. I'll keep an eye on my email for any of the Odoo sign document. Right?","start_word":11723,"end_word":11875,"sentiment":"neutral","sentiment_score":0.1267288476228714},{"text":"Perfect. Yeah. That'd be great. Thanks, Kij.","start_word":11876,"end_word":11882,"sentiment":"positive","sentiment_score":0.5064625144004822},{"text":"Alright. Thank No worries. you, Kyle. Wait. No. Too easy.","start_word":11883,"end_word":11892,"sentiment":"neutral","sentiment_score":0.23327486217021945},{"text":"Yeah. You enjoy the rest of your afternoon, Kijs. Thanks for your time. You do, mate. Cheers. Have a good one. Cheers. Thanks.","start_word":11893,"end_word":11915,"sentiment":"positive","sentiment_score":0.5769030451774597},{"text":"Bye. Bye.","start_word":11916,"end_word":11917,"sentiment":"neutral","sentiment_score":0.2728349566459656}],"average":{"sentiment":"neutral","sentiment_score":0.05489695122801517}}}}