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I had you booked in for a bit of a catch up just to kind of go through the research I did on your super investments. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. How's your morning been? Been busy. Yeah. That's all good. Now I imagine you probably don't have access to your emails right at this moment. Okay. I mean, it is up to you. It is pretty straightforward. If you are happy if you are able to get it up, I can show you the as I'm going through it. But if you can't, I can always kind of go through the main points. And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions. So it is up to you. Yes. Yes. Yeah. Oh, you get it? You you got it? Okay. Great. Perfect. Now I will make it pretty quick for you so I don't keep you for too long. Like I said, it is pretty straightforward. Now with the statement of advice, you can see here it has been tailored specifically for you. You will see on the cover page my my details as well, and you will see my authorized representative number listed. I am licensed under financial. And, basically, every time we do make a a recommendation on our financial product and give you personalized advice, we do have to put everything in the statement of advice for you just so that you are fully aware of everything. A lot of it is just for compliance and pretty straightforward, so I will just kind of go through the main points and then let you kind of have a read over the rest. Yep. Perfect. Now every time we do make a recommendation and when we are acting on page two, it outlines the best interest duty. Do you ever remember hearing about that before? No. That's okay. I'll see if I can turn it up. It must be something on my end because my previous appointment, he said the same thing. I do have it on on Max, but if you can't hear me, let me know. Yeah. Perfect. So on page two of that document, you'll see the best interest duty outlined. Can you see that? Should be the page just after the cover page. No. I think you're a little bit too far ahead now. Just page two of their documents. Oh, okay. Perfect. I think it might be in the appendix. So that was the attachment to the email. So that's where all, like, the research and stuff goes. But if you can actually yes. Yep. If you could. I should have specified that. Sorry. If you could yeah. Yeah. Amazing. So, basically, this just shows you as well that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yeah. Perfect. Now I will get you to scroll through for me. As you are scrolling, you will see table of content, pretty self explanatory, scope of advice. Basically, what this is is outlining the areas we are looking at today. So today, pretty straightforward. We are simply just looking at your superannuation, making sure everything is set up correctly for you, if you wanted to make some changes to your investment, and also look at if adding silver to your portfolio was going to be good for you. So that's basically what we are looking at today. I have also just included some information in regards to estate planning, such as some will, power of attorney, and for your super beneficiaries for you as well. But, otherwise, we are not making any recommendation on insurances or or anything like that. Literally, just your super today. Yep. Perfect. Now if you can actually scroll through for me, you will see just some personal information about you. If you could just have a quick read over just to make sure that all kind of looks up to date or if we need to make any changes. Yep. Yep. Perfect. And if you can then scroll to page nine for me, it should say your risk profile. You can see where I'm up to? Yeah. Perfect. Now with your risk profile, we are not making any changes. We are keeping you in a high growth portfolio. You do have plenty of time until retirement, so you can definitely take advantage of those short term fluctuations in order to try and grow your super. So not making any changes. It is literally just swapping some investments around to put you in a better position. So pretty straightforward today. Now I usually find it easier if you wanna scroll down to page 17 for me. It should have a table where it says fee comparison. Yeah. Perfect. Now what I will go through here in this table, it is kind of it's easier sometimes to look at it and and see it from the numbers point of view. But everything is the pages that you scrolled past, it is outlining words for you as well so that you can have a read over it. It shows you why I have made the recommendation I have, some advantages, some risks and disadvantages in regards to it as well, but I will touch on it in in this table. It's usually just easier to look at it. So I have recommended that you stay in hub twenty four and just change your investment. I did do research on other super funds as well just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to do the research just to make sure if there's any other better options out there. And at the moment, hub twenty four is still very competitive. It's competitive when it comes to investment choices, flexibilities, and fees. So not making any changes in regards to the super fund, just your invest. Perfect. Now you can see here that with the the recommendation, it is actually saving you a little bit in fees, which is great. So, overall, it is saving about a $103 per year in fees. So, like, investment fees for you. So it is making it a little bit cheaper, which is great. Now when it comes to the returns, which you can see on the bottom of that table as well, when we are looking at a five year rolling average period, you can see that your current portfolio has performed at about 10.62%, and the recommended is 14.17. So a little bit better as well, which is great along with it being a bit cheaper. Does that make sense so far? Yep. Perfect. Now I do wanna let you know as well that when we are making the changes because we are selling some of your investments, there will be some capital gains tax with the change. We've tried to keep it as minimal as possible. So on the top of that table where you see the balance difference, it is estimated at about $38. So not not too good I mean, not too bad, but just so you are aware as well if you see that come out. Yep. Makes sense? Yep. Perfect. If you can scroll up one page for me to page 16, this then shows you the asset allocation. So you will see your risk profile, so that ninety ten allocation, 90 to growth, 10 to defensive. You can see your existing portfolio and then the proposed. So you can see that they are pretty close when it comes to growth and the defensive allocation there for you. Yep. Perfect. Now what that actually looks like in terms of investments, if you can then scroll up through page 14 for me. Yep. Now this might look a little bit messy, but it basically outlines all your investments. So what you see highlighted in red is what we are selling for you. What's in black is either what we are keeping within your portfolio or new investment. So I have recommended a bit of a change to your investment in order to try and improve that outcome for you. So the philosophy around how we structure the portfolio, that's all the same. We're still keeping you within the core satellite approach to investment. Now the core investments, which are basically like the backbones of the portfolio, these are your biggest shareholding. So you can see, for example, the 34% in iShares S and P 500, you already had about 25.96 in S and P 500, and that one is obviously very diversified. It does include exposure to the 500 largest companies listed in The US. It's obviously very diversified, a good kind of core portfolio. Now you will also see it kind of spills over to page 15. You will see 24% in the BetaShares Australia 200. Now this is the one I have added instead of that Benelon investment we were talking about last time that was kind of underperforming a little bit. So we still obviously wanna make sure you do have exposure to the Australian market. We don't want everything in in one area. So about 24% in this one. Again, very diversified. It is investing in the 200 largest companies listed on the ASX. For your companies like Commonwealth, BHP, Woolworths, again, very diversified for you. Now you then have your satellite investments. Now these are the ones that can be a little bit more specialized, can be a little bit more volatile, but they are the ones that's going to kind of maximize that growth for you. But because they can be a little bit more volatile, we wanna have a smaller allocation to these investments. So you will see here as well we've capped beta share cybersecurity in your portfolio, but we have reduced it down to 5%. Still keeping it in the portfolio, though, for you. We've swapped out some of the other satellite investments. So we've swapped out your India and your health care as well as the JPMorgan Global Research. We've swapped that one. And instead, we've introduced 8% to the Europe market. Again, a very diversified option, but it does give you exposures through a lot of investments and markets in Europe. So the biggest markets you will see are, like, Your UK, Germany, France, Switzerland. That one is managed by BlackRock as well, And you'll have a lot of a lot of really big companies, but about 8% to the Europe market. You have 5% to Japan as well. So we're basically swapping India, and we've introduced Japan instead for you. Again, it does invest in broad and large, mid sized Japanese companies to give you diversification, but only about 5%. And then we've also introduced 8% in Vanguard or World. You may have heard of Vanguard before. They're quite big. Yep. Perfect. But this one here, it does exclude The US. So invest in all around the world, but excluding US because you already have exposure to The US in the ICS S and P 500, and we don't wanna have too much exposure into one market either. Does that make sense? Yep. Beautiful. Now when it comes to your defensive investment or alternative investments, this is what we kind of had a bit of a play around to see, well, if we could introduce silver and how that would look like for you, but still making sure we we keep as close to that high growth asset allocation as possible. So I have recommended we we keep your gold in there. It was at seven point 9%, just keeping it at eight. Gold is, you know, historically preserved value very well, especially during kind of market volatility. So we wanna keep gold in your portfolio, but I have actually added in silver for you. So I have added in silver at eight percent. Now when I did have a look at it as well, it does benefit from industrial uses, kind of bit of a safe haven as well. It is your more of like your alternative asset. So to introduce the silver, I removed your fixed interest just so you are aware. So the silver can be a little bit more volatile at times than your standard fixed interest, like your bond investments, just so you obviously are aware, but I know you have pretty good understanding. But you can also then kind of take advantage of all the increases and everything we are seeing at the moment. And when I did compare it more long term, having silver in the portfolio instead of the fixed interest, it was actually improving the returns historically for you on a longer term as well. So you may see a little bit more potential what's going on right now is great, but, obviously, it depends on what's going on in the market. You can see a little bit more maybe fluctuations than the traditional fixed interest. But then long term, because you do have so much time on through over time, and it was actually a really good option to include it through your portfolio, and I know as well it was something that you were interested in. Does that make sense? Yep. Beautiful. And that was essentially the changes with your investment. So so pretty straightforward. But in that appendix that you were in previously as well, I have actually included investment links to all of these investments. So if it is that you wanna go back later and have a have a bit more read over the investment, you are more than welcome to as well. Any questions? Yes. And and then also changed so I also changed so on the table seven four 14, all the red, we changed. So we changed your Benelung investment for that a 200 investment. We changed your India and health care JPMorgan for your Europe, Japan, and Vanguard instead. So your satellite investments, we did swap out. Your core investment stays the same. But, yes, otherwise, they're defensive. It was fixed interest to to silver and swapping some of the satellite investments for other ones that is a little bit cheaper, but also performing a little bit better for you as well. Yep. Makes sense? Yep. Beautiful. Yeah. No. And the good thing is, well, with Hub twenty four, they they have so many different options. So there's hundreds of different options in there, and that was the one that was kind of, like, the cheapest and still really good. So glad you've done your research as well, and and and that's the one. Now if anything does change, obviously, with the market or or anything like that, we'll always let you know. We can always revisit it during each annual review time. But if at any point, obviously, throughout the year as well, you wanna change anything, just give me a call, and we can always reassess it. But this kind of, yeah, combines it what you wanted as well as making sure we put you in a better position and keep your goals aligned for you. Now the last thing I do wanna mention before I let you go, Cody, is I said, I've been I've included some general information on the beneficiary nomination, the will power of attorney. And the last thing I do wanna mention is just in regards to the fee structure. So there is no changes like I mentioned last time. In regards to the fee structure, it stays exactly the same at 1.65. So if you are happy and you want to go ahead with these investment changes, there is no additional fees or charges. It is all part of that ongoing advice fee. And, basically, from here is if you would like to take some time to read over the document, you are more than welcome to. Otherwise, if you are happy to go ahead with the recommendation, to move forward, it would just be in the document you are right now. It will ask you to sign it, add your signature, and your it will date it. Now sometimes there is a text box as well that it will actually ask you to put something in before it lets you move forward. That is just there for if you would like to make any alterations or changes. If you don't want to, you can just put a full stop on NA and then signature. And then once it's validated, it will then automatically send it back to me. And that tells me that you are happy to go ahead with the change, and then we can authorize that for you. Yep. Yep. Perfect. I'll refresh that on my end to see. Now it it will also be saved into your account there if you wanna go back and have a read over it, but I always have everything on file as well. So if it is that you do want a copy of it at any point in time, just let me know it's it's all saved there for you. Now did it say validate on your end? Yep. Perfect. I can see that's come through on my end, which is great. So I will let the team know to go ahead with these couple of investment changes there for you, Cody. And if there is anything else that you need at any point in time, though, don't hesitate to give me a call or send you an email, and we can always book you in for another catch up. Yep. Beautiful. No problem. No problem at all. Thank you so much, and enjoy the rest of your workout. Mhmm. All good. Thanks, Cody. 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morning, Cody. This is Veronica from ICU Financial. How are you? Good. How are you?\n\nThat's good. I had you booked in for a bit of a catch up just to kind of go through the research I did on your super investments. Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep.\n\nPerfect. That's exactly what I have here. How's your morning been? Been busy. Yeah.\n\nThat's all good. Now I imagine you probably don't have access to your emails right at this moment. Okay. I mean, it is up to you. It is pretty straightforward.\n\nIf you are happy if you are able to get it up, I can show you the as I'm going through it. But if you can't, I can always kind of go through the main points. And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions. So it is up to you. Yes.\n\nYes. Yeah. Oh, you get it? You you got it? Okay.\n\nGreat. Perfect. Now I will make it pretty quick for you so I don't keep you for too long. Like I said, it is pretty straightforward. Now with the statement of advice, you can see here it has been tailored specifically for you.\n\nYou will see on the cover page my my details as well, and you will see my authorized representative number listed. I am licensed under financial. And, basically, every time we do make a a recommendation on our financial product and give you personalized advice, we do have to put everything in the statement of advice for you just so that you are fully aware of everything. A lot of it is just for compliance and pretty straightforward, so I will just kind of go through the main points and then let you kind of have a read over the rest. Yep.\n\nPerfect. Now every time we do make a recommendation and when we are acting on page two, it outlines the best interest duty. Do you ever remember hearing about that before? No. That's okay.\n\nI'll see if I can turn it up. It must be something on my end because my previous appointment, he said the same thing. I do have it on on Max, but if you can't hear me, let me know. Yeah. Perfect.\n\nSo on page two of that document, you'll see the best interest duty outlined. Can you see that? Should be the page just after the cover page. No. I think you're a little bit too far ahead now.\n\nJust page two of their documents. Oh, okay. Perfect. I think it might be in the appendix. So that was the attachment to the email.\n\nSo that's where all, like, the research and stuff goes. But if you can actually yes. Yep. If you could. I should have specified that.\n\nSorry. If you could yeah. Yeah. Amazing. So, basically, this just shows you as well that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense? Yeah. Perfect. Now I will get you to scroll through for me.\n\nAs you are scrolling, you will see table of content, pretty self explanatory, scope of advice. Basically, what this is is outlining the areas we are looking at today. So today, pretty straightforward. We are simply just looking at your superannuation, making sure everything is set up correctly for you, if you wanted to make some changes to your investment, and also look at if adding silver to your portfolio was going to be good for you. So that's basically what we are looking at today.\n\nI have also just included some information in regards to estate planning, such as some will, power of attorney, and for your super beneficiaries for you as well. But, otherwise, we are not making any recommendation on insurances or or anything like that. Literally, just your super today. Yep. Perfect.\n\nNow if you can actually scroll through for me, you will see just some personal information about you. If you could just have a quick read over just to make sure that all kind of looks up to date or if we need to make any changes. Yep. Yep. Perfect.\n\nAnd if you can then scroll to page nine for me, it should say your risk profile. You can see where I'm up to? Yeah. Perfect. Now with your risk profile, we are not making any changes.\n\nWe are keeping you in a high growth portfolio. You do have plenty of time until retirement, so you can definitely take advantage of those short term fluctuations in order to try and grow your super. So not making any changes. It is literally just swapping some investments around to put you in a better position. So pretty straightforward today.\n\nNow I usually find it easier if you wanna scroll down to page 17 for me. It should have a table where it says fee comparison. Yeah. Perfect. Now what I will go through here in this table, it is kind of it's easier sometimes to look at it and and see it from the numbers point of view.\n\nBut everything is the pages that you scrolled past, it is outlining words for you as well so that you can have a read over it. It shows you why I have made the recommendation I have, some advantages, some risks and disadvantages in regards to it as well, but I will touch on it in in this table. It's usually just easier to look at it. So I have recommended that you stay in hub twenty four and just change your investment. I did do research on other super funds as well just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out.\n\nSo it is good to do the research just to make sure if there's any other better options out there. And at the moment, hub twenty four is still very competitive. It's competitive when it comes to investment choices, flexibilities, and fees. So not making any changes in regards to the super fund, just your invest. Perfect.\n\nNow you can see here that with the the recommendation, it is actually saving you a little bit in fees, which is great. So, overall, it is saving about a $103 per year in fees. So, like, investment fees for you. So it is making it a little bit cheaper, which is great. Now when it comes to the returns, which you can see on the bottom of that table as well, when we are looking at a five year rolling average period, you can see that your current portfolio has performed at about 10.62%, and the recommended is 14.17.\n\nSo a little bit better as well, which is great along with it being a bit cheaper. Does that make sense so far? Yep. Perfect. Now I do wanna let you know as well that when we are making the changes because we are selling some of your investments, there will be some capital gains tax with the change.\n\nWe've tried to keep it as minimal as possible. So on the top of that table where you see the balance difference, it is estimated at about $38. So not not too good I mean, not too bad, but just so you are aware as well if you see that come out. Yep. Makes sense?\n\nYep. Perfect. If you can scroll up one page for me to page 16, this then shows you the asset allocation. So you will see your risk profile, so that ninety ten allocation, 90 to growth, 10 to defensive. You can see your existing portfolio and then the proposed.\n\nSo you can see that they are pretty close when it comes to growth and the defensive allocation there for you. Yep. Perfect. Now what that actually looks like in terms of investments, if you can then scroll up through page 14 for me. Yep.\n\nNow this might look a little bit messy, but it basically outlines all your investments. So what you see highlighted in red is what we are selling for you. What's in black is either what we are keeping within your portfolio or new investment. So I have recommended a bit of a change to your investment in order to try and improve that outcome for you. So the philosophy around how we structure the portfolio, that's all the same.\n\nWe're still keeping you within the core satellite approach to investment. Now the core investments, which are basically like the backbones of the portfolio, these are your biggest shareholding. So you can see, for example, the 34% in iShares S and P 500, you already had about 25.96 in S and P 500, and that one is obviously very diversified. It does include exposure to the 500 largest companies listed in The US. It's obviously very diversified, a good kind of core portfolio.\n\nNow you will also see it kind of spills over to page 15. You will see 24% in the BetaShares Australia 200. Now this is the one I have added instead of that Benelon investment we were talking about last time that was kind of underperforming a little bit. So we still obviously wanna make sure you do have exposure to the Australian market. We don't want everything in in one area.\n\nSo about 24% in this one. Again, very diversified. It is investing in the 200 largest companies listed on the ASX. For your companies like Commonwealth, BHP, Woolworths, again, very diversified for you. Now you then have your satellite investments.\n\nNow these are the ones that can be a little bit more specialized, can be a little bit more volatile, but they are the ones that's going to kind of maximize that growth for you. But because they can be a little bit more volatile, we wanna have a smaller allocation to these investments. So you will see here as well we've capped beta share cybersecurity in your portfolio, but we have reduced it down to 5%. Still keeping it in the portfolio, though, for you. We've swapped out some of the other satellite investments.\n\nSo we've swapped out your India and your health care as well as the JPMorgan Global Research. We've swapped that one. And instead, we've introduced 8% to the Europe market. Again, a very diversified option, but it does give you exposures through a lot of investments and markets in Europe. So the biggest markets you will see are, like, Your UK, Germany, France, Switzerland.\n\nThat one is managed by BlackRock as well, And you'll have a lot of a lot of really big companies, but about 8% to the Europe market. You have 5% to Japan as well. So we're basically swapping India, and we've introduced Japan instead for you. Again, it does invest in broad and large, mid sized Japanese companies to give you diversification, but only about 5%. And then we've also introduced 8% in Vanguard or World.\n\nYou may have heard of Vanguard before. They're quite big. Yep. Perfect. But this one here, it does exclude The US.\n\nSo invest in all around the world, but excluding US because you already have exposure to The US in the ICS S and P 500, and we don't wanna have too much exposure into one market either. Does that make sense? Yep. Beautiful. Now when it comes to your defensive investment or alternative investments, this is what we kind of had a bit of a play around to see, well, if we could introduce silver and how that would look like for you, but still making sure we we keep as close to that high growth asset allocation as possible.\n\nSo I have recommended we we keep your gold in there. It was at seven point 9%, just keeping it at eight. Gold is, you know, historically preserved value very well, especially during kind of market volatility. So we wanna keep gold in your portfolio, but I have actually added in silver for you. So I have added in silver at eight percent.\n\nNow when I did have a look at it as well, it does benefit from industrial uses, kind of bit of a safe haven as well. It is your more of like your alternative asset. So to introduce the silver, I removed your fixed interest just so you are aware. So the silver can be a little bit more volatile at times than your standard fixed interest, like your bond investments, just so you obviously are aware, but I know you have pretty good understanding. But you can also then kind of take advantage of all the increases and everything we are seeing at the moment.\n\nAnd when I did compare it more long term, having silver in the portfolio instead of the fixed interest, it was actually improving the returns historically for you on a longer term as well. So you may see a little bit more potential what's going on right now is great, but, obviously, it depends on what's going on in the market. You can see a little bit more maybe fluctuations than the traditional fixed interest. But then long term, because you do have so much time on through over time, and it was actually a really good option to include it through your portfolio, and I know as well it was something that you were interested in. Does that make sense?\n\nYep. Beautiful. And that was essentially the changes with your investment. So so pretty straightforward. But in that appendix that you were in previously as well, I have actually included investment links to all of these investments.\n\nSo if it is that you wanna go back later and have a have a bit more read over the investment, you are more than welcome to as well. Any questions? Yes. And and then also changed so I also changed so on the table seven four 14, all the red, we changed. So we changed your Benelung investment for that a 200 investment.\n\nWe changed your India and health care JPMorgan for your Europe, Japan, and Vanguard instead. So your satellite investments, we did swap out. Your core investment stays the same. But, yes, otherwise, they're defensive. It was fixed interest to to silver and swapping some of the satellite investments for other ones that is a little bit cheaper, but also performing a little bit better for you as well.\n\nYep. Makes sense? Yep. Beautiful. Yeah.\n\nNo. And the good thing is, well, with Hub twenty four, they they have so many different options. So there's hundreds of different options in there, and that was the one that was kind of, like, the cheapest and still really good. So glad you've done your research as well, and and and that's the one. Now if anything does change, obviously, with the market or or anything like that, we'll always let you know.\n\nWe can always revisit it during each annual review time. But if at any point, obviously, throughout the year as well, you wanna change anything, just give me a call, and we can always reassess it. But this kind of, yeah, combines it what you wanted as well as making sure we put you in a better position and keep your goals aligned for you. Now the last thing I do wanna mention before I let you go, Cody, is I said, I've been I've included some general information on the beneficiary nomination, the will power of attorney. And the last thing I do wanna mention is just in regards to the fee structure.\n\nSo there is no changes like I mentioned last time. In regards to the fee structure, it stays exactly the same at 1.65. So if you are happy and you want to go ahead with these investment changes, there is no additional fees or charges. It is all part of that ongoing advice fee. And, basically, from here is if you would like to take some time to read over the document, you are more than welcome to.\n\nOtherwise, if you are happy to go ahead with the recommendation, to move forward, it would just be in the document you are right now. It will ask you to sign it, add your signature, and your it will date it. Now sometimes there is a text box as well that it will actually ask you to put something in before it lets you move forward. That is just there for if you would like to make any alterations or changes. If you don't want to, you can just put a full stop on NA and then signature.\n\nAnd then once it's validated, it will then automatically send it back to me. And that tells me that you are happy to go ahead with the change, and then we can authorize that for you. Yep. Yep. Perfect.\n\nI'll refresh that on my end to see. Now it it will also be saved into your account there if you wanna go back and have a read over it, but I always have everything on file as well. So if it is that you do want a copy of it at any point in time, just let me know it's it's all saved there for you. Now did it say validate on your end? Yep.\n\nPerfect. I can see that's come through on my end, which is great. So I will let the team know to go ahead with these couple of investment changes there for you, Cody. And if there is anything else that you need at any point in time, though, don't hesitate to give me a call or send you an email, and we can always book you in for another catch up. Yep.\n\nBeautiful. No problem. No problem at all. Thank you so much, and enjoy the rest of your workout. Mhmm.\n\nAll good. Thanks, Cody. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Cody.","start":2.8799999,"end":3.84,"sentiment":"neutral","sentiment_score":0.29064661264419556},{"text":"This is Veronica from ICU Financial.","start":3.84,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.21284638593594232},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.18295356134573618},{"text":"Good.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.3923338651657105},{"text":"How are you?","start":8.96,"end":9.86,"sentiment":"neutral","sentiment_score":0.2299453765153885}],"sentiment":"neutral","sentiment_score":0.23625305201858282,"num_words":16,"start":2.8799999,"end":9.86},{"sentences":[{"text":"That's good.","start":11.44,"end":12.42,"sentiment":"positive","sentiment_score":0.6592399179935455},{"text":"I had you booked in for a bit of a catch up just to kind of go through the research I did on your super investments.","start":12.995,"end":19.015,"sentiment":"neutral","sentiment_score":0.2100131047459749},{"text":"Is now still a good time for you?","start":19.075,"end":20.855,"sentiment":"neutral","sentiment_score":0.18815074302256107},{"text":"Yep.","start":21.875,"end":22.375,"sentiment":"neutral","sentiment_score":0.11935275793075562},{"text":"Perfect.","start":22.435,"end":22.935,"sentiment":"neutral","sentiment_score":0.3032688498497009}],"sentiment":"neutral","sentiment_score":0.22912231871956273,"num_words":38,"start":11.44,"end":22.935},{"sentences":[{"text":"Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.715,"end":30.88,"sentiment":"neutral","sentiment_score":0.031137590328681058},{"text":"Yep.","start":32.54,"end":32.94,"sentiment":"neutral","sentiment_score":0.09821497648954391},{"text":"Perfect.","start":32.94,"end":33.44,"sentiment":"neutral","sentiment_score":0.2643570303916931},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":34.14,"end":41.04,"sentiment":"neutral","sentiment_score":0.0729900383287006},{"text":"Yep.","start":49.355003,"end":49.755,"sentiment":"neutral","sentiment_score":0.1423528492450714}],"sentiment":"neutral","sentiment_score":0.05726518661920297,"num_words":59,"start":23.715,"end":49.755},{"sentences":[{"text":"Perfect.","start":49.755,"end":50.235,"sentiment":"positive","sentiment_score":0.4759021997451782},{"text":"That's exactly what I have here.","start":50.235,"end":51.755,"sentiment":"positive","sentiment_score":0.4785494754711787},{"text":"How's your morning been?","start":51.755,"end":52.955,"sentiment":"neutral","sentiment_score":0.12017244659364223},{"text":"Been busy.","start":52.955,"end":53.615,"sentiment":"neutral","sentiment_score":0.03481864556670189},{"text":"Yeah.","start":61.29,"end":61.530003,"sentiment":"neutral","sentiment_score":0.2174593210220337}],"sentiment":"neutral","sentiment_score":0.2939275322215898,"num_words":14,"start":49.755,"end":61.530003},{"sentences":[{"text":"That's all good.","start":61.530003,"end":62.910004,"sentiment":"positive","sentiment_score":0.3678479890028636},{"text":"Now I imagine you probably don't have access to your emails right at this moment.","start":63.29,"end":67.39,"sentiment":"neutral","sentiment_score":-0.0869187446931998},{"text":"Okay.","start":70.225,"end":70.725,"sentiment":"neutral","sentiment_score":-0.020118489861488342},{"text":"I mean, it is up to you.","start":71.025,"end":72.145004,"sentiment":"neutral","sentiment_score":0.039292536942022185},{"text":"It is pretty straightforward.","start":72.145004,"end":73.285,"sentiment":"neutral","sentiment_score":0.14961807802319527}],"sentiment":"neutral","sentiment_score":0.02177214591453473,"num_words":30,"start":61.530003,"end":73.285},{"sentences":[{"text":"If you are happy if you are able to get it up, I can show you the as I'm going through it.","start":74.225,"end":79.925,"sentiment":"neutral","sentiment_score":0.14732708578759973},{"text":"But if you can't, I can always kind of go through the main points.","start":80.189995,"end":83.549995,"sentiment":"neutral","sentiment_score":0.07220417267775961},{"text":"And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions.","start":83.549995,"end":89.71,"sentiment":"neutral","sentiment_score":0.08513205731287599},{"text":"So it is up to you.","start":89.71,"end":90.92999,"sentiment":"neutral","sentiment_score":0.05552905177076658},{"text":"Yes.","start":93.325,"end":93.825,"sentiment":"neutral","sentiment_score":0.015631727874279022}],"sentiment":"neutral","sentiment_score":0.09766781569768986,"num_words":75,"start":74.225,"end":93.825},{"sentences":[{"text":"Yes.","start":95.884995,"end":96.284996,"sentiment":"neutral","sentiment_score":0.011085813865065576},{"text":"Yeah.","start":96.284996,"end":96.604996,"sentiment":"neutral","sentiment_score":-0.001933639869093895},{"text":"Oh, you get it?","start":96.604996,"end":97.48499,"sentiment":"neutral","sentiment_score":-0.009024529252201319},{"text":"You you got it?","start":97.48499,"end":98.604996,"sentiment":"neutral","sentiment_score":0.011737475404515862},{"text":"Okay.","start":98.604996,"end":98.924995,"sentiment":"neutral","sentiment_score":0.0890444815158844}],"sentiment":"neutral","sentiment_score":0.009913494556464932,"num_words":11,"start":95.884995,"end":98.924995},{"sentences":[{"text":"Great.","start":98.924995,"end":99.244995,"sentiment":"positive","sentiment_score":0.3343968391418457},{"text":"Perfect.","start":99.244995,"end":99.744995,"sentiment":"neutral","sentiment_score":0.26298826932907104},{"text":"Now I will make it pretty quick for you so I don't keep you for too long.","start":99.965,"end":103.48499,"sentiment":"neutral","sentiment_score":0.013404602020540658},{"text":"Like I said, it is pretty straightforward.","start":103.48499,"end":105.505,"sentiment":"neutral","sentiment_score":0.09927820228040218},{"text":"Now with the statement of advice, you can see here it has been tailored specifically for you.","start":106.97,"end":112.11,"sentiment":"neutral","sentiment_score":0.12713656399179907}],"sentiment":"neutral","sentiment_score":0.08561703131729087,"num_words":43,"start":98.924995,"end":112.11},{"sentences":[{"text":"You will see on the cover page my my details as well, and you will see my authorized representative number listed.","start":112.41,"end":118.83,"sentiment":"neutral","sentiment_score":0.1337035284155891},{"text":"I am licensed under financial.","start":119.770004,"end":121.55,"sentiment":"neutral","sentiment_score":0.06948228031396866},{"text":"And, basically, every time we do make a a recommendation on our financial product and give you personalized advice, we do have to put everything in the statement of advice for you just so that you are fully aware of everything.","start":123.025,"end":134.08499,"sentiment":"neutral","sentiment_score":0.1721245479292986},{"text":"A lot of it is just for compliance and pretty straightforward, so I will just kind of go through the main points and then let you kind of have a read over the rest.","start":134.75,"end":141.49,"sentiment":"neutral","sentiment_score":0.18972791446482434},{"text":"Yep.","start":142.59,"end":142.99,"sentiment":"neutral","sentiment_score":0.24794796109199524}],"sentiment":"neutral","sentiment_score":0.16579400996367136,"num_words":102,"start":112.41,"end":142.99},{"sentences":[{"text":"Perfect.","start":142.99,"end":143.49,"sentiment":"positive","sentiment_score":0.6232661008834839},{"text":"Now every time we do make a recommendation and when we are acting on page two, it outlines the best interest duty.","start":144.51001,"end":151.165,"sentiment":"neutral","sentiment_score":0.26045293835076416},{"text":"Do you ever remember hearing about that before?","start":151.305,"end":153.405,"sentiment":"neutral","sentiment_score":0.07573399692773819},{"text":"No.","start":162.48,"end":162.79999,"sentiment":"neutral","sentiment_score":-0.1022086888551712},{"text":"That's okay.","start":162.79999,"end":163.36,"sentiment":"neutral","sentiment_score":-0.0507337860763073}],"sentiment":"neutral","sentiment_score":0.198689013500424,"num_words":34,"start":142.99,"end":163.36},{"sentences":[{"text":"I'll see if I can turn it up.","start":163.36,"end":165.12,"sentiment":"neutral","sentiment_score":-0.027615800499916077},{"text":"It must be something on my end because my previous appointment, he said the same thing.","start":165.12,"end":169.45999,"sentiment":"neutral","sentiment_score":-0.05377090279944241},{"text":"I do have it on on Max, but if you can't hear me, let me know.","start":169.92,"end":173.7,"sentiment":"neutral","sentiment_score":-0.04142043530009687},{"text":"Yeah.","start":177.375,"end":177.855,"sentiment":"neutral","sentiment_score":0.13915908336639404},{"text":"Perfect.","start":177.855,"end":178.355,"sentiment":"neutral","sentiment_score":0.26052772998809814}],"sentiment":"neutral","sentiment_score":-0.03200716667232059,"num_words":42,"start":163.36,"end":178.355},{"sentences":[{"text":"So on page two of that document, you'll see the best interest duty outlined.","start":178.575,"end":184.19499,"sentiment":"neutral","sentiment_score":0.16715721945677484},{"text":"Can you see that?","start":184.25499,"end":185.31499,"sentiment":"neutral","sentiment_score":0.09097866714000702},{"text":"Should be the page just after the cover page.","start":189.49,"end":192.15,"sentiment":"neutral","sentiment_score":0.04637135068575541},{"text":"No.","start":195.97,"end":196.21,"sentiment":"neutral","sentiment_score":-0.07635743916034698},{"text":"I think you're a little bit too far ahead now.","start":196.21,"end":198.31,"sentiment":"neutral","sentiment_score":-0.11064412221312522}],"sentiment":"neutral","sentiment_score":0.05101734831144935,"num_words":38,"start":178.575,"end":198.31},{"sentences":[{"text":"Just page two of their documents.","start":198.37,"end":200.55,"sentiment":"neutral","sentiment_score":-0.0025189369916915894},{"text":"Oh, okay.","start":205.88501,"end":206.365,"sentiment":"neutral","sentiment_score":0.06809869781136513},{"text":"Perfect.","start":206.365,"end":206.765,"sentiment":"neutral","sentiment_score":0.1708393096923828},{"text":"I think it might be in the appendix.","start":206.765,"end":208.865,"sentiment":"neutral","sentiment_score":0.07838019821792841},{"text":"So that was the attachment to the email.","start":209.485,"end":212.045,"sentiment":"neutral","sentiment_score":0.06067518796771765}],"sentiment":"neutral","sentiment_score":0.05617464691400528,"num_words":25,"start":198.37,"end":212.045},{"sentences":[{"text":"So that's where all, like, the research and stuff goes.","start":212.045,"end":214.545,"sentiment":"neutral","sentiment_score":0.07423276193439961},{"text":"But if you can actually yes.","start":214.925,"end":217.95999,"sentiment":"neutral","sentiment_score":0.010935271624475718},{"text":"Yep.","start":218.26,"end":218.76,"sentiment":"neutral","sentiment_score":0.029434053227305412},{"text":"If you could.","start":218.98,"end":219.88,"sentiment":"neutral","sentiment_score":0.01933568778137366},{"text":"I should have specified that.","start":220.66,"end":222.58,"sentiment":"neutral","sentiment_score":0.009636669233441354}],"sentiment":"neutral","sentiment_score":0.037742548473179344,"num_words":25,"start":212.045,"end":222.58},{"sentences":[{"text":"Sorry.","start":222.58,"end":223.08,"sentiment":"neutral","sentiment_score":-0.02959360182285309},{"text":"If you could yeah.","start":223.86,"end":225.72,"sentiment":"neutral","sentiment_score":0.06465695332735777},{"text":"Yeah.","start":226.66,"end":227.06,"sentiment":"neutral","sentiment_score":0.3035505414009094},{"text":"Amazing.","start":227.06,"end":227.56,"sentiment":"neutral","sentiment_score":0.1503336876630783},{"text":"So, basically, this just shows you as well that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":227.78,"end":237.57501,"sentiment":"neutral","sentiment_score":0.15530887589250741}],"sentiment":"neutral","sentiment_score":0.1463256827659077,"num_words":45,"start":222.58,"end":237.57501},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":237.57501,"end":239.595,"sentiment":"neutral","sentiment_score":-0.16858115579400743},{"text":"Does that make sense?","start":239.975,"end":241.115,"sentiment":"neutral","sentiment_score":-0.002071565017104149},{"text":"Yeah.","start":242.23001,"end":242.55,"sentiment":"neutral","sentiment_score":0.23946382105350497},{"text":"Perfect.","start":242.55,"end":243.05,"sentiment":"positive","sentiment_score":0.5373591184616089},{"text":"Now I will get you to scroll through for me.","start":243.99,"end":248.25,"sentiment":"neutral","sentiment_score":0.31829544752836225}],"sentiment":"neutral","sentiment_score":0.12049665496401164,"num_words":23,"start":237.57501,"end":248.25},{"sentences":[{"text":"As you are scrolling, you will see table of content, pretty self explanatory, scope of advice.","start":249.11,"end":254.89,"sentiment":"neutral","sentiment_score":0.18360241129994392},{"text":"Basically, what this is is outlining the areas we are looking at today.","start":255.69499,"end":259.475,"sentiment":"neutral","sentiment_score":0.20161161055931678},{"text":"So today, pretty straightforward.","start":259.535,"end":261.07498,"sentiment":"positive","sentiment_score":0.4541998878121376},{"text":"We are simply just looking at your superannuation, making sure everything is set up correctly for you, if you wanted to make some changes to your investment, and also look at if adding silver to your portfolio was going to be good for you.","start":261.29498,"end":275.21,"sentiment":"positive","sentiment_score":0.3895725946534764},{"text":"So that's basically what we are looking at today.","start":275.75,"end":278.57,"sentiment":"neutral","sentiment_score":0.13911438981691995}],"sentiment":"neutral","sentiment_score":0.2996350318886513,"num_words":86,"start":249.11,"end":278.57},{"sentences":[{"text":"I have also just included some information in regards to estate planning, such as some will, power of attorney, and for your super beneficiaries for you as well.","start":279.43,"end":289.275,"sentiment":"neutral","sentiment_score":0.1342269347182342},{"text":"But, otherwise, we are not making any recommendation on insurances or or anything like that.","start":289.655,"end":295.01498,"sentiment":"neutral","sentiment_score":-0.23051686411102612},{"text":"Literally, just your super today.","start":295.01498,"end":296.715,"sentiment":"neutral","sentiment_score":0.061084555089473726},{"text":"Yep.","start":297.99002,"end":298.31,"sentiment":"neutral","sentiment_score":0.1714611053466797},{"text":"Perfect.","start":298.31,"end":298.81,"sentiment":"positive","sentiment_score":0.390423059463501}],"sentiment":"neutral","sentiment_score":0.023358163014054297,"num_words":50,"start":279.43,"end":298.81},{"sentences":[{"text":"Now if you can actually scroll through for me, you will see just some personal information about you.","start":299.75,"end":305.69,"sentiment":"neutral","sentiment_score":0.17928179477651915},{"text":"If you could just have a quick read over just to make sure that all kind of looks up to date or if we need to make any changes.","start":306.55002,"end":312.33002,"sentiment":"neutral","sentiment_score":0.08032102818632948},{"text":"Yep.","start":318.825,"end":319.145,"sentiment":"neutral","sentiment_score":0.06889744102954865},{"text":"Yep.","start":319.145,"end":319.645,"sentiment":"neutral","sentiment_score":0.0996389389038086},{"text":"Perfect.","start":319.70502,"end":320.20502,"sentiment":"neutral","sentiment_score":0.2374376356601715}],"sentiment":"neutral","sentiment_score":0.11924712277948857,"num_words":50,"start":299.75,"end":320.20502},{"sentences":[{"text":"And if you can then scroll to page nine for me, it should say your risk profile.","start":321.065,"end":325.885,"sentiment":"neutral","sentiment_score":0.07268072401776034},{"text":"You can see where I'm up to?","start":327.17,"end":328.79,"sentiment":"neutral","sentiment_score":0.04459635753716741},{"text":"Yeah.","start":329.89,"end":330.21,"sentiment":"neutral","sentiment_score":0.06945861876010895},{"text":"Perfect.","start":330.21,"end":330.71,"sentiment":"neutral","sentiment_score":0.16243687272071838},{"text":"Now with your risk profile, we are not making any changes.","start":330.93,"end":333.81,"sentiment":"neutral","sentiment_score":-0.04577041993086988}],"sentiment":"neutral","sentiment_score":0.03449101846765827,"num_words":37,"start":321.065,"end":333.81},{"sentences":[{"text":"We are keeping you in a high growth portfolio.","start":333.81,"end":335.91,"sentiment":"neutral","sentiment_score":0.3125174343585968},{"text":"You do have plenty of time until retirement, so you can definitely take advantage of those short term fluctuations in order to try and grow your super.","start":336.29,"end":344.535,"sentiment":"positive","sentiment_score":0.3883358637491862},{"text":"So not making any changes.","start":344.535,"end":345.815,"sentiment":"neutral","sentiment_score":0.12344219088554383},{"text":"It is literally just swapping some investments around to put you in a better position.","start":345.815,"end":350.315,"sentiment":"neutral","sentiment_score":0.2748260885477066},{"text":"So pretty straightforward today.","start":350.775,"end":352.715,"sentiment":"positive","sentiment_score":0.4752076491713524}],"sentiment":"neutral","sentiment_score":0.3323026351630688,"num_words":60,"start":333.81,"end":352.715},{"sentences":[{"text":"Now I usually find it easier if you wanna scroll down to page 17 for me.","start":354.055,"end":362.53998,"sentiment":"neutral","sentiment_score":0.2939691850915551},{"text":"It should have a table where it says fee comparison.","start":362.53998,"end":365.59998,"sentiment":"neutral","sentiment_score":0.21976039856672286},{"text":"Yeah.","start":367.595,"end":367.835,"sentiment":"neutral","sentiment_score":0.20744997262954712},{"text":"Perfect.","start":367.835,"end":368.335,"sentiment":"neutral","sentiment_score":0.16618941724300385},{"text":"Now what I will go through here in this table, it is kind of it's easier sometimes to look at it and and see it from the numbers point of view.","start":369.195,"end":375.535,"sentiment":"neutral","sentiment_score":0.045981079039554444}],"sentiment":"neutral","sentiment_score":0.14746040317340423,"num_words":59,"start":354.055,"end":375.535},{"sentences":[{"text":"But everything is the pages that you scrolled past, it is outlining words for you as well so that you can have a read over it.","start":375.915,"end":382.815,"sentiment":"neutral","sentiment_score":0.13861073410281768},{"text":"It shows you why I have made the recommendation I have, some advantages, some risks and disadvantages in regards to it as well, but I will touch on it in in this table.","start":383.06998,"end":392.75,"sentiment":"neutral","sentiment_score":0.07984031640896291},{"text":"It's usually just easier to look at it.","start":392.75,"end":395.115,"sentiment":"neutral","sentiment_score":0.19603250175714493},{"text":"So I have recommended that you stay in hub twenty four and just change your investment.","start":395.435,"end":400.095,"sentiment":"neutral","sentiment_score":0.19821923039853573},{"text":"I did do research on other super funds as well just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out.","start":400.395,"end":408.955,"sentiment":"neutral","sentiment_score":0.23920344662021947}],"sentiment":"neutral","sentiment_score":0.1652408729462574,"num_words":120,"start":375.915,"end":408.955},{"sentences":[{"text":"So it is good to do the research just to make sure if there's any other better options out there.","start":408.955,"end":413.15,"sentiment":"neutral","sentiment_score":0.2655436396598816},{"text":"And at the moment, hub twenty four is still very competitive.","start":414.09,"end":416.91,"sentiment":"neutral","sentiment_score":0.19478025287389755},{"text":"It's competitive when it comes to investment choices, flexibilities, and fees.","start":417.05,"end":421.38998,"sentiment":"neutral","sentiment_score":0.21306890113787216},{"text":"So not making any changes in regards to the super fund, just your invest.","start":421.44998,"end":425.94998,"sentiment":"neutral","sentiment_score":0.0027520450364266124},{"text":"Perfect.","start":427.21503,"end":427.71503,"sentiment":"positive","sentiment_score":0.48495644330978394}],"sentiment":"neutral","sentiment_score":0.18106488703766413,"num_words":57,"start":408.955,"end":427.71503},{"sentences":[{"text":"Now you can see here that with the the recommendation, it is actually saving you a little bit in fees, which is great.","start":428.095,"end":436.515,"sentiment":"neutral","sentiment_score":0.3322002712799155},{"text":"So, overall, it is saving about a $103 per year in fees.","start":436.73502,"end":442.45,"sentiment":"positive","sentiment_score":0.41835938145716983},{"text":"So, like, investment fees for you.","start":442.45,"end":443.89,"sentiment":"positive","sentiment_score":0.3704901734987895},{"text":"So it is making it a little bit cheaper, which is great.","start":443.89,"end":446.71002,"sentiment":"positive","sentiment_score":0.5449987525741259},{"text":"Now when it comes to the returns, which you can see on the bottom of that table as well, when we are looking at a five year rolling average period, you can see that your current portfolio has performed at about 10.62%, and the recommended is 14.17.","start":447.49002,"end":464.135,"sentiment":"neutral","sentiment_score":0.2750418335199356}],"sentiment":"positive","sentiment_score":0.34350811064243314,"num_words":100,"start":428.095,"end":464.135},{"sentences":[{"text":"So a little bit better as well, which is great along with it being a bit cheaper.","start":464.755,"end":469.335,"sentiment":"positive","sentiment_score":0.502708936438841},{"text":"Does that make sense so far?","start":471.47,"end":472.93,"sentiment":"neutral","sentiment_score":0.11759561921159427},{"text":"Yep.","start":474.03,"end":474.43,"sentiment":"neutral","sentiment_score":0.19406448304653168},{"text":"Perfect.","start":474.43,"end":474.93,"sentiment":"positive","sentiment_score":0.4148635268211365},{"text":"Now I do wanna let you know as well that when we are making the changes because we are selling some of your investments, there will be some capital gains tax with the change.","start":475.07,"end":484.98502,"sentiment":"neutral","sentiment_score":0.10122797835399122}],"sentiment":"neutral","sentiment_score":0.2254627950615802,"num_words":59,"start":464.755,"end":484.98502},{"sentences":[{"text":"We've tried to keep it as minimal as possible.","start":485.445,"end":488.18503,"sentiment":"neutral","sentiment_score":0.11971206135219997},{"text":"So on the top of that table where you see the balance difference, it is estimated at about $38.","start":488.80502,"end":496.02502,"sentiment":"neutral","sentiment_score":0.12493835703322761},{"text":"So not not too good I mean, not too bad, but just so you are aware as well if you see that come out.","start":496.36002,"end":502.86002,"sentiment":"neutral","sentiment_score":-0.16228593979030848},{"text":"Yep.","start":503.80002,"end":504.2,"sentiment":"neutral","sentiment_score":0.06419261544942856},{"text":"Makes sense?","start":504.2,"end":505.02002,"sentiment":"neutral","sentiment_score":0.1023859903216362}],"sentiment":"neutral","sentiment_score":-0.0031756476922468707,"num_words":55,"start":485.445,"end":505.02002},{"sentences":[{"text":"Yep.","start":506.84003,"end":507.34003,"sentiment":"neutral","sentiment_score":0.25736910104751587},{"text":"Perfect.","start":507.40002,"end":507.88,"sentiment":"positive","sentiment_score":0.546816885471344},{"text":"If you can scroll up one page for me to page 16, this then shows you the asset allocation.","start":507.88,"end":514.485,"sentiment":"neutral","sentiment_score":0.22014077948896507},{"text":"So you will see your risk profile, so that ninety ten allocation, 90 to growth, 10 to defensive.","start":515.665,"end":521.685,"sentiment":"neutral","sentiment_score":0.17436534414688745},{"text":"You can see your existing portfolio and then the proposed.","start":522.305,"end":525.925,"sentiment":"neutral","sentiment_score":0.20476870238780975}],"sentiment":"neutral","sentiment_score":0.2076147758230871,"num_words":49,"start":506.84003,"end":525.925},{"sentences":[{"text":"So you can see that they are pretty close when it comes to growth and the defensive allocation there for you.","start":526.14,"end":533.04004,"sentiment":"neutral","sentiment_score":0.2684725175301234},{"text":"Yep.","start":534.46,"end":534.86,"sentiment":"neutral","sentiment_score":0.16649708151817322},{"text":"Perfect.","start":534.86,"end":535.36,"sentiment":"neutral","sentiment_score":0.31696653366088867},{"text":"Now what that actually looks like in terms of investments, if you can then scroll up through page 14 for me.","start":535.82,"end":544.175,"sentiment":"neutral","sentiment_score":0.11139522457406634},{"text":"Yep.","start":547.275,"end":547.775,"sentiment":"neutral","sentiment_score":0.07208335399627686}],"sentiment":"neutral","sentiment_score":0.18961710118585162,"num_words":45,"start":526.14,"end":547.775},{"sentences":[{"text":"Now this might look a little bit messy, but it basically outlines all your investments.","start":548.155,"end":552.735,"sentiment":"neutral","sentiment_score":0.0462586318453153},{"text":"So what you see highlighted in red is what we are selling for you.","start":552.875,"end":559.24005,"sentiment":"neutral","sentiment_score":0.15217002161911555},{"text":"What's in black is either what we are keeping within your portfolio or new investment.","start":560.02,"end":566.52,"sentiment":"neutral","sentiment_score":0.04067624385158221},{"text":"So I have recommended a bit of a change to your investment in order to try and improve that outcome for you.","start":566.98004,"end":574.875,"sentiment":"neutral","sentiment_score":0.17187161134047943},{"text":"So the philosophy around how we structure the portfolio, that's all the same.","start":574.875,"end":579.355,"sentiment":"neutral","sentiment_score":0.17973829461978033}],"sentiment":"neutral","sentiment_score":0.12091362933757939,"num_words":79,"start":548.155,"end":579.355},{"sentences":[{"text":"We're still keeping you within the core satellite approach to investment.","start":579.355,"end":582.735,"sentiment":"neutral","sentiment_score":0.18967896699905396},{"text":"Now the core investments, which are basically like the backbones of the portfolio, these are your biggest shareholding.","start":584.04004,"end":590.06,"sentiment":"neutral","sentiment_score":0.09707474211851756},{"text":"So you can see, for example, the 34% in iShares S and P 500, you already had about 25.96 in S and P 500, and that one is obviously very diversified.","start":590.76,"end":603.135,"sentiment":"neutral","sentiment_score":0.11849443974994844},{"text":"It does include exposure to the 500 largest companies listed in The US.","start":603.515,"end":608.015,"sentiment":"neutral","sentiment_score":0.0764490646811632},{"text":"It's obviously very diversified, a good kind of core portfolio.","start":608.235,"end":611.615,"sentiment":"neutral","sentiment_score":0.2213809099048376}],"sentiment":"neutral","sentiment_score":0.12909383815993747,"num_words":83,"start":579.355,"end":611.615},{"sentences":[{"text":"Now you will also see it kind of spills over to page 15.","start":612.8,"end":617.38,"sentiment":"neutral","sentiment_score":0.06659700979407017},{"text":"You will see 24% in the BetaShares Australia 200.","start":619.12,"end":624.1,"sentiment":"neutral","sentiment_score":0.050936645517746605},{"text":"Now this is the one I have added instead of that Benelon investment we were talking about last time that was kind of underperforming a little bit.","start":624.735,"end":632.355,"sentiment":"neutral","sentiment_score":-0.07099390264462542},{"text":"So we still obviously wanna make sure you do have exposure to the Australian market.","start":632.655,"end":636.255,"sentiment":"neutral","sentiment_score":0.0323949600259463},{"text":"We don't want everything in in one area.","start":636.255,"end":638.59503,"sentiment":"neutral","sentiment_score":-0.0494260867126286}],"sentiment":"neutral","sentiment_score":-0.006974010107417901,"num_words":72,"start":612.8,"end":638.59503},{"sentences":[{"text":"So about 24% in this one.","start":638.96,"end":642.34,"sentiment":"neutral","sentiment_score":0.057661320393284164},{"text":"Again, very diversified.","start":642.8,"end":643.94,"sentiment":"neutral","sentiment_score":0.15057741105556488},{"text":"It is investing in the 200 largest companies listed on the ASX.","start":644.16003,"end":647.94,"sentiment":"neutral","sentiment_score":0.12732676230370998},{"text":"For your companies like Commonwealth, BHP, Woolworths, again, very diversified for you.","start":648.48,"end":653.655,"sentiment":"positive","sentiment_score":0.3496014792472124},{"text":"Now you then have your satellite investments.","start":654.61505,"end":657.49506,"sentiment":"neutral","sentiment_score":0.2380664274096489}],"sentiment":"neutral","sentiment_score":0.20468260115012527,"num_words":40,"start":638.96,"end":657.49506},{"sentences":[{"text":"Now these are the ones that can be a little bit more specialized, can be a little bit more volatile, but they are the ones that's going to kind of maximize that growth for you.","start":657.49506,"end":665.67,"sentiment":"neutral","sentiment_score":0.2298977150448731},{"text":"But because they can be a little bit more volatile, we wanna have a smaller allocation to these investments.","start":666.14996,"end":671.37,"sentiment":"neutral","sentiment_score":0.11881799642976962},{"text":"So you will see here as well we've capped beta share cybersecurity in your portfolio, but we have reduced it down to 5%.","start":671.91,"end":680.53503,"sentiment":"neutral","sentiment_score":0.1398607061608978},{"text":"Still keeping it in the portfolio, though, for you.","start":680.59503,"end":683.175,"sentiment":"neutral","sentiment_score":0.1949535691075855},{"text":"We've swapped out some of the other satellite investments.","start":683.555,"end":688.515,"sentiment":"neutral","sentiment_score":0.1302196118566725}],"sentiment":"neutral","sentiment_score":0.17312965083279108,"num_words":95,"start":657.49506,"end":688.515},{"sentences":[{"text":"So we've swapped out your India and your health care as well as the JPMorgan Global Research.","start":688.515,"end":695.05005,"sentiment":"neutral","sentiment_score":0.12593395131475785},{"text":"We've swapped that one.","start":695.05005,"end":696.35004,"sentiment":"neutral","sentiment_score":0.1200607679784298},{"text":"And instead, we've introduced 8% to the Europe market.","start":696.97003,"end":701.47003,"sentiment":"neutral","sentiment_score":0.1702444917625851},{"text":"Again, a very diversified option, but it does give you exposures through a lot of investments and markets in Europe.","start":702.09,"end":708.445,"sentiment":"neutral","sentiment_score":0.1847478397190571},{"text":"So the biggest markets you will see are, like, Your UK, Germany, France, Switzerland.","start":708.825,"end":712.685,"sentiment":"neutral","sentiment_score":0.14471212987388885}],"sentiment":"neutral","sentiment_score":0.15428511379286647,"num_words":64,"start":688.515,"end":712.685},{"sentences":[{"text":"That one is managed by BlackRock as well, And you'll have a lot of a lot of really big companies, but about 8% to the Europe market.","start":714.025,"end":722.3,"sentiment":"neutral","sentiment_score":0.11851201868719524},{"text":"You have 5% to Japan as well.","start":722.75995,"end":725.24,"sentiment":"neutral","sentiment_score":0.10252961942127772},{"text":"So we're basically swapping India, and we've introduced Japan instead for you.","start":725.24,"end":730.45996,"sentiment":"neutral","sentiment_score":0.13335270496706167},{"text":"Again, it does invest in broad and large, mid sized Japanese companies to give you diversification, but only about 5%.","start":731.135,"end":739.075,"sentiment":"neutral","sentiment_score":0.17643461301922797},{"text":"And then we've also introduced 8% in Vanguard or World.","start":740.175,"end":744.195,"sentiment":"neutral","sentiment_score":0.09070129469037055}],"sentiment":"neutral","sentiment_score":0.13096670404468713,"num_words":76,"start":714.025,"end":744.195},{"sentences":[{"text":"You may have heard of Vanguard before.","start":744.255,"end":745.955,"sentiment":"neutral","sentiment_score":0.04160300961562565},{"text":"They're quite big.","start":746.49,"end":747.37,"sentiment":"neutral","sentiment_score":0.10705223431189854},{"text":"Yep.","start":747.37,"end":747.69,"sentiment":"neutral","sentiment_score":0.19614408910274503},{"text":"Perfect.","start":747.69,"end":748.19,"sentiment":"positive","sentiment_score":0.47714805603027344},{"text":"But this one here, it does exclude The US.","start":749.13,"end":751.77,"sentiment":"neutral","sentiment_score":-0.020402530415190592}],"sentiment":"neutral","sentiment_score":0.052478435316256115,"num_words":21,"start":744.255,"end":751.77},{"sentences":[{"text":"So invest in all around the world, but excluding US because you already have exposure to The US in the ICS S and P 500, and we don't wanna have too much exposure into one market either.","start":751.77,"end":762.35504,"sentiment":"neutral","sentiment_score":-0.026369018631206977},{"text":"Does that make sense?","start":762.35504,"end":763.41504,"sentiment":"neutral","sentiment_score":0.06690460164099932},{"text":"Yep.","start":764.515,"end":764.995,"sentiment":"neutral","sentiment_score":0.2441624402999878},{"text":"Beautiful.","start":764.995,"end":765.495,"sentiment":"neutral","sentiment_score":-0.023678550496697422},{"text":"Now when it comes to your defensive investment or alternative investments, this is what we kind of had a bit of a play around to see, well, if we could introduce silver and how that would look like for you, but still making sure we we keep as close to that high growth asset allocation as possible.","start":766.275,"end":783.92,"sentiment":"neutral","sentiment_score":0.12063850018016078}],"sentiment":"neutral","sentiment_score":0.06388843117281795,"num_words":100,"start":751.77,"end":783.92},{"sentences":[{"text":"So I have recommended we we keep your gold in there.","start":784.45996,"end":787.395,"sentiment":"neutral","sentiment_score":0.19263908470218832},{"text":"It was at seven point 9%, just keeping it at eight.","start":787.395,"end":790.53503,"sentiment":"neutral","sentiment_score":0.1797260804609819},{"text":"Gold is, you know, historically preserved value very well, especially during kind of market volatility.","start":791.23505,"end":797.015,"sentiment":"positive","sentiment_score":0.3783965170383453},{"text":"So we wanna keep gold in your portfolio, but I have actually added in silver for you.","start":797.875,"end":803.19,"sentiment":"neutral","sentiment_score":0.2817804524127175},{"text":"So I have added in silver at eight percent.","start":803.19,"end":805.85,"sentiment":"neutral","sentiment_score":0.16443378229935965}],"sentiment":"neutral","sentiment_score":0.25463708419175374,"num_words":63,"start":784.45996,"end":805.85},{"sentences":[{"text":"Now when I did have a look at it as well, it does benefit from industrial uses, kind of bit of a safe haven as well.","start":807.59,"end":815.03,"sentiment":"positive","sentiment_score":0.37074206654842085},{"text":"It is your more of like your alternative asset.","start":815.03,"end":817.77,"sentiment":"neutral","sentiment_score":0.2145270970132616},{"text":"So to introduce the silver, I removed your fixed interest just so you are aware.","start":818.115,"end":823.255,"sentiment":"neutral","sentiment_score":0.048826207593083384},{"text":"So the silver can be a little bit more volatile at times than your standard fixed interest, like your bond investments, just so you obviously are aware, but I know you have pretty good understanding.","start":824.515,"end":835.14,"sentiment":"neutral","sentiment_score":0.136873017677239},{"text":"But you can also then kind of take advantage of all the increases and everything we are seeing at the moment.","start":836.08,"end":841.36005,"sentiment":"positive","sentiment_score":0.39030635356903076}],"sentiment":"neutral","sentiment_score":0.23857943170686374,"num_words":106,"start":807.59,"end":841.36005},{"sentences":[{"text":"And when I did compare it more long term, having silver in the portfolio instead of the fixed interest, it was actually improving the returns historically for you on a longer term as well.","start":841.36005,"end":852.545,"sentiment":"positive","sentiment_score":0.491737425327301},{"text":"So you may see a little bit more potential what's going on right now is great, but, obviously, it depends on what's going on in the market.","start":852.685,"end":860.07,"sentiment":"neutral","sentiment_score":0.13769890243808428},{"text":"You can see a little bit more maybe fluctuations than the traditional fixed interest.","start":860.07,"end":864.97,"sentiment":"neutral","sentiment_score":0.002564378481890474},{"text":"But then long term, because you do have so much time on through over time, and it was actually a really good option to include it through your portfolio, and I know as well it was something that you were interested in.","start":865.51,"end":875.655,"sentiment":"positive","sentiment_score":0.34579786551850183},{"text":"Does that make sense?","start":875.655,"end":876.795,"sentiment":"neutral","sentiment_score":0.14669737964868546}],"sentiment":"neutral","sentiment_score":0.2940755702154942,"num_words":121,"start":841.36005,"end":876.795},{"sentences":[{"text":"Yep.","start":877.815,"end":878.215,"sentiment":"positive","sentiment_score":0.3501489758491516},{"text":"Beautiful.","start":878.215,"end":878.715,"sentiment":"positive","sentiment_score":0.7113627791404724},{"text":"And that was essentially the changes with your investment.","start":879.655,"end":882.395,"sentiment":"positive","sentiment_score":0.459465311633216},{"text":"So so pretty straightforward.","start":882.855,"end":884.155,"sentiment":"positive","sentiment_score":0.487750306725502},{"text":"But in that appendix that you were in previously as well, I have actually included investment links to all of these investments.","start":885.07,"end":891.97,"sentiment":"neutral","sentiment_score":0.19500930065458472}],"sentiment":"neutral","sentiment_score":0.30913257840517405,"num_words":37,"start":877.815,"end":891.97},{"sentences":[{"text":"So if it is that you wanna go back later and have a have a bit more read over the investment, you are more than welcome to as well.","start":892.26996,"end":898.335,"sentiment":"neutral","sentiment_score":0.24184907330521221},{"text":"Any questions?","start":898.335,"end":900.59503,"sentiment":"neutral","sentiment_score":0.04035778995603323},{"text":"Yes.","start":906.495,"end":906.995,"sentiment":"neutral","sentiment_score":0.05496712774038315},{"text":"And and then also changed so I also changed so on the table seven four 14, all the red, we changed.","start":907.53503,"end":915.33,"sentiment":"neutral","sentiment_score":0.024431560099834486},{"text":"So we changed your Benelung investment for that a 200 investment.","start":915.63,"end":919.57,"sentiment":"neutral","sentiment_score":0.034784634089605374}],"sentiment":"neutral","sentiment_score":0.12570311829040293,"num_words":64,"start":892.26996,"end":919.57},{"sentences":[{"text":"We changed your India and health care JPMorgan for your Europe, Japan, and Vanguard instead.","start":920.19,"end":927.09,"sentiment":"neutral","sentiment_score":0.04595174640417099},{"text":"So your satellite investments, we did swap out.","start":927.435,"end":929.995,"sentiment":"neutral","sentiment_score":0.07212868705391884},{"text":"Your core investment stays the same.","start":929.995,"end":932.015,"sentiment":"neutral","sentiment_score":0.08746539056301117},{"text":"But, yes, otherwise, they're defensive.","start":932.555,"end":934.495,"sentiment":"neutral","sentiment_score":0.056147928535938266},{"text":"It was fixed interest to to silver and swapping some of the satellite investments for other ones that is a little bit cheaper, but also performing a little bit better for you as well.","start":934.555,"end":945.85,"sentiment":"neutral","sentiment_score":0.11204962092725669}],"sentiment":"neutral","sentiment_score":0.08649301161880002,"num_words":68,"start":920.19,"end":945.85},{"sentences":[{"text":"Yep.","start":947.19,"end":947.35,"sentiment":"neutral","sentiment_score":0.09801684319972992},{"text":"Makes sense?","start":947.35,"end":948.08997,"sentiment":"neutral","sentiment_score":0.12490643933415413},{"text":"Yep.","start":949.02997,"end":949.52997,"sentiment":"neutral","sentiment_score":0.2433018684387207},{"text":"Beautiful.","start":954.885,"end":955.385,"sentiment":"positive","sentiment_score":0.6695866584777832},{"text":"Yeah.","start":957.445,"end":957.765,"sentiment":"neutral","sentiment_score":0.12739376723766327}],"sentiment":"neutral","sentiment_score":0.23135200267036757,"num_words":6,"start":947.19,"end":957.765},{"sentences":[{"text":"No.","start":957.765,"end":958.165,"sentiment":"neutral","sentiment_score":0.10620559751987456},{"text":"And the good thing is, well, with Hub twenty four, they they have so many different options.","start":958.165,"end":962.745,"sentiment":"neutral","sentiment_score":0.25573793316588683},{"text":"So there's hundreds of different options in there, and that was the one that was kind of, like, the cheapest and still really good.","start":963.765,"end":971.27,"sentiment":"positive","sentiment_score":0.3577445192883412},{"text":"So glad you've done your research as well, and and and that's the one.","start":971.27,"end":975.83,"sentiment":"positive","sentiment_score":0.3567706761615617},{"text":"Now if anything does change, obviously, with the market or or anything like that, we'll always let you know.","start":975.83,"end":980.47,"sentiment":"neutral","sentiment_score":0.1035342363542632}],"sentiment":"neutral","sentiment_score":0.26668745175004005,"num_words":75,"start":957.765,"end":980.47},{"sentences":[{"text":"We can always revisit it during each annual review time.","start":980.47,"end":983.35,"sentiment":"neutral","sentiment_score":0.1340695522725582},{"text":"But if at any point, obviously, throughout the year as well, you wanna change anything, just give me a call, and we can always reassess it.","start":983.35,"end":990.295,"sentiment":"neutral","sentiment_score":0.1333480620613465},{"text":"But this kind of, yeah, combines it what you wanted as well as making sure we put you in a better position and keep your goals aligned for you.","start":990.915,"end":998.22,"sentiment":"positive","sentiment_score":0.4271730760048176},{"text":"Now the last thing I do wanna mention before I let you go, Cody, is I said, I've been I've included some general information on the beneficiary nomination, the will power of attorney.","start":999.42,"end":1012.21497,"sentiment":"neutral","sentiment_score":0.11467346086195021},{"text":"And the last thing I do wanna mention is just in regards to the fee structure.","start":1012.27496,"end":1016.375,"sentiment":"neutral","sentiment_score":0.07486391952261329}],"sentiment":"neutral","sentiment_score":0.1945422040461971,"num_words":114,"start":980.47,"end":1016.375},{"sentences":[{"text":"So there is no changes like I mentioned last time.","start":1017.15497,"end":1019.635,"sentiment":"neutral","sentiment_score":0.11761560961604119},{"text":"In regards to the fee structure, it stays exactly the same at 1.65.","start":1019.635,"end":1023.93,"sentiment":"neutral","sentiment_score":0.17799862990012535},{"text":"So if you are happy and you want to go ahead with these investment changes, there is no additional fees or charges.","start":1024.17,"end":1030.73,"sentiment":"positive","sentiment_score":0.4653887762264772},{"text":"It is all part of that ongoing advice fee.","start":1030.73,"end":1033.47,"sentiment":"positive","sentiment_score":0.4408685399426354},{"text":"And, basically, from here is if you would like to take some time to read over the document, you are more than welcome to.","start":1033.9299,"end":1040.165,"sentiment":"neutral","sentiment_score":0.32506032660603523}],"sentiment":"neutral","sentiment_score":0.3268968725624757,"num_words":78,"start":1017.15497,"end":1040.165},{"sentences":[{"text":"Otherwise, if you are happy to go ahead with the recommendation, to move forward, it would just be in the document you are right now.","start":1040.785,"end":1049.365,"sentiment":"positive","sentiment_score":0.3825773501396179},{"text":"It will ask you to sign it, add your signature, and your it will date it.","start":1049.5851,"end":1055.97,"sentiment":"neutral","sentiment_score":0.22877053171396255},{"text":"Now sometimes there is a text box as well that it will actually ask you to put something in before it lets you move forward.","start":1056.0299,"end":1062.5299,"sentiment":"neutral","sentiment_score":0.1838336056470871},{"text":"That is just there for if you would like to make any alterations or changes.","start":1062.99,"end":1067.1699,"sentiment":"neutral","sentiment_score":0.17623977412780126},{"text":"If you don't want to, you can just put a full stop on NA and then signature.","start":1067.835,"end":1072.975,"sentiment":"neutral","sentiment_score":0.05240273300339194}],"sentiment":"neutral","sentiment_score":0.21790862729658886,"num_words":98,"start":1040.785,"end":1072.975},{"sentences":[{"text":"And then once it's validated, it will then automatically send it back to me.","start":1073.275,"end":1077.855,"sentiment":"neutral","sentiment_score":0.2603638746908733},{"text":"And that tells me that you are happy to go ahead with the change, and then we can authorize that for you.","start":1077.995,"end":1082.43,"sentiment":"positive","sentiment_score":0.372884484177286},{"text":"Yep.","start":1084.1901,"end":1084.6901,"sentiment":"neutral","sentiment_score":0.15580451488494873},{"text":"Yep.","start":1086.8301,"end":1087.31,"sentiment":"neutral","sentiment_score":0.260684609413147},{"text":"Perfect.","start":1087.31,"end":1087.81,"sentiment":"positive","sentiment_score":0.5740771293640137}],"sentiment":"neutral","sentiment_score":0.3292081833649904,"num_words":39,"start":1073.275,"end":1087.81},{"sentences":[{"text":"I'll refresh that on my end to see.","start":1087.9501,"end":1090.37,"sentiment":"neutral","sentiment_score":0.32409186102449894},{"text":"Now it it will also be saved into your account there if you wanna go back and have a read over it, but I always have everything on file as well.","start":1092.51,"end":1099.6749,"sentiment":"neutral","sentiment_score":0.3089410835696805},{"text":"So if it is that you do want a copy of it at any point in time, just let me know it's it's all saved there for you.","start":1099.815,"end":1106.875,"sentiment":"positive","sentiment_score":0.34344774058886934},{"text":"Now did it say validate on your end?","start":1108.615,"end":1110.795,"sentiment":"neutral","sentiment_score":0.11469920072704554},{"text":"Yep.","start":1118.9199,"end":1119.3999,"sentiment":"positive","sentiment_score":0.3876799046993256}],"sentiment":"neutral","sentiment_score":0.30383840428763315,"num_words":76,"start":1087.9501,"end":1119.3999},{"sentences":[{"text":"Perfect.","start":1119.3999,"end":1119.8999,"sentiment":"positive","sentiment_score":0.7603400945663452},{"text":"I can see that's come through on my end, which is 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Cody.","start":1149.2799,"end":1150.1,"sentiment":"positive","sentiment_score":0.6471536755561829},{"text":"Bye.","start":1150.88,"end":1151.38,"sentiment":"positive","sentiment_score":0.35077616572380066}],"sentiment":"positive","sentiment_score":0.5679978430271149,"num_words":5,"start":1148.72,"end":1151.38}]}}]},{"alternatives":[{"transcript":"Hello. Cody speaking. Hi. Good. How are you doing? Yeah. Good. Thanks. Yep. Yep. Yep. Yeah. Cody, what do I need? 300899 And 9 Bartlett Road, Lucidor. Yeah. Not bad. Just a bit of work and just just doing a quick workout now, so not too bad. No. I can't on my phone. Yep. That's okay. Is it the statement of assignment? Statement of advice. Sorry. Yep. Yeah. No. I've I've I've got that up. Yep. That's alright. Yep. Yeah. Yep. Sorry. I'm you're, like, really quiet. I don't I've turned my volume all the way up, but I just didn't catch that last bit. That's right. That's right. And if you could just repeat that that last little bit. The risk profile? So I've got cover page, table of contents, and then risk profile. Oh, you actually need me to open the document. Oh, okay. Yeah. I got you. Yep. That's right. Yes. Best interest, Judy. I've got it here. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Not so. It's pretty good. Yep. Yep. Yep. Yes. Yep. Yep. Oh, okay. Yep. Yep. Okay. Yep. Yep. Yep. That's right. Yep. Yep. I'm with you. Yep. Okay. Yep. Okay. Yes. Yep. Okay. Yes. Yep. Yep. Yes. Yes. Yep. Yep. Yes. Okay. Yep. Yep. Yes. Yep. Yep. Okay. Yep. Yep. Yep. Okay. Yeah. Okay. So basically, the only change is just you got rid of fixed interest, replace it with silver. Is that correct? Potentially. Yeah. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Awesome. Yeah. That's ETC mag was what I was personally invested in as well. So, yeah, that's the best one I could find as well. Yeah. Yes. Yep. Okay. No problem. Yes. Okay. Yep. Yep. I'm just on it. I'm just waiting for it to load. Yep. Yep. Yeah. It said you'll get you will get the signed document by email with a grantee. Okay. No problem. Thanks, Veronica. Appreciate your work. Yeah. You too. Well, not you too, but have a good day. Thanks, Veronica. Cheers. 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Cody speaking. Hi. Good. How are you doing?\n\nYeah. Good. Thanks. Yep. Yep.\n\nYep. Yeah. Cody, what do I need? 300899 And 9 Bartlett Road, Lucidor. Yeah.\n\nNot bad. Just a bit of work and just just doing a quick workout now, so not too bad. No. I can't on my phone. Yep.\n\nThat's okay. Is it the statement of assignment? Statement of advice. Sorry. Yep.\n\nYeah. No. I've I've I've got that up. Yep. That's alright.\n\nYep. Yeah. Yep. Sorry. I'm you're, like, really quiet.\n\nI don't I've turned my volume all the way up, but I just didn't catch that last bit. That's right. That's right. And if you could just repeat that that last little bit. The risk profile?\n\nSo I've got cover page, table of contents, and then risk profile. Oh, you actually need me to open the document. Oh, okay. Yeah. I got you.\n\nYep. That's right. Yes. Best interest, Judy. I've got it here.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Yep. Not so. It's pretty good. Yep.\n\nYep. Yep. Yes. Yep. Yep.\n\nOh, okay. Yep. Yep. 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you.","start":506.365,"end":507.185,"sentiment":"neutral","sentiment_score":0.16445128619670868},{"text":"Yep.","start":515.645,"end":516.145,"sentiment":"neutral","sentiment_score":0.13663628697395325},{"text":"Okay.","start":533.57495,"end":534.07495,"sentiment":"neutral","sentiment_score":0.12965503334999084},{"text":"Yep.","start":546.67004,"end":547.17004,"sentiment":"neutral","sentiment_score":0.06392962485551834},{"text":"Okay.","start":591.245,"end":591.745,"sentiment":"neutral","sentiment_score":0.08214803040027618}],"sentiment":"neutral","sentiment_score":0.12938897630998067,"num_words":7,"start":506.365,"end":591.745},{"sentences":[{"text":"Yes.","start":608.65,"end":609.15,"sentiment":"neutral","sentiment_score":0.1651298701763153},{"text":"Yep.","start":639.32996,"end":639.82996,"sentiment":"neutral","sentiment_score":0.04978951811790466},{"text":"Okay.","start":648.685,"end":649.185,"sentiment":"neutral","sentiment_score":0.02771414816379547},{"text":"Yes.","start":654.3,"end":654.8,"sentiment":"neutral","sentiment_score":0.3218104839324951},{"text":"Yep.","start":672.21497,"end":672.71497,"sentiment":"neutral","sentiment_score":0.18068227171897888}],"sentiment":"neutral","sentiment_score":0.1490252584218979,"num_words":5,"start":608.65,"end":672.71497},{"sentences":[{"text":"Yep.","start":692.54,"end":693.04,"sentiment":"neutral","sentiment_score":0.12733310461044312},{"text":"Yes.","start":713.74005,"end":714.24005,"sentiment":"neutral","sentiment_score":0.1202843263745308},{"text":"Yes.","start":746.73,"end":747.23,"sentiment":"neutral","sentiment_score":0.10232082009315492},{"text":"Yep.","start":747.93,"end":748.43,"sentiment":"neutral","sentiment_score":0.17814865708351135},{"text":"Yep.","start":763.90497,"end":764.4,"sentiment":"neutral","sentiment_score":0.12457018345594406}],"sentiment":"neutral","sentiment_score":0.13053141832351683,"num_words":5,"start":692.54,"end":764.4},{"sentences":[{"text":"Yes.","start":788.255,"end":788.755,"sentiment":"neutral","sentiment_score":0.15875032544136047},{"text":"Okay.","start":803.97,"end":804.47,"sentiment":"neutral","sentiment_score":0.1729048639535904},{"text":"Yep.","start":805.305,"end":805.805,"sentiment":"neutral","sentiment_score":0.12175840139389038},{"text":"Yep.","start":815.305,"end":815.805,"sentiment":"neutral","sentiment_score":0.24050728976726532},{"text":"Yes.","start":824.08,"end":824.58,"sentiment":"neutral","sentiment_score":0.14414197206497192}],"sentiment":"neutral","sentiment_score":0.1676125705242157,"num_words":5,"start":788.255,"end":824.58},{"sentences":[{"text":"Yep.","start":831.045,"end":831.545,"sentiment":"neutral","sentiment_score":0.1905069351196289},{"text":"Yep.","start":842.08496,"end":842.58496,"sentiment":"positive","sentiment_score":0.44865235686302185},{"text":"Okay.","start":853.07,"end":853.57,"sentiment":"neutral","sentiment_score":0.2010752260684967},{"text":"Yep.","start":865.645,"end":866.145,"sentiment":"neutral","sentiment_score":0.21427050232887268},{"text":"Yep.","start":876.33,"end":876.83,"sentiment":"neutral","sentiment_score":0.1585097312927246}],"sentiment":"neutral","sentiment_score":0.24260295033454896,"num_words":5,"start":831.045,"end":876.83},{"sentences":[{"text":"Yep.","start":877.21,"end":877.71,"sentiment":"neutral","sentiment_score":0.18383876979351044},{"text":"Okay.","start":892.855,"end":893.355,"sentiment":"neutral","sentiment_score":0.023913778364658356},{"text":"Yeah.","start":898.99,"end":899.38995,"sentiment":"neutral","sentiment_score":0.03618773818016052},{"text":"Okay.","start":899.38995,"end":899.70996,"sentiment":"neutral","sentiment_score":0.025126395747065544},{"text":"So basically, the only change is just you got rid of fixed interest, replace it with silver.","start":899.70996,"end":905.81,"sentiment":"neutral","sentiment_score":-0.030079264084205908}],"sentiment":"neutral","sentiment_score":-0.011537181302195504,"num_words":21,"start":877.21,"end":905.81},{"sentences":[{"text":"Is that correct?","start":906.02997,"end":906.85,"sentiment":"neutral","sentiment_score":0.016885786627729733},{"text":"Potentially.","start":906.99,"end":907.49,"sentiment":"neutral","sentiment_score":0.04427836835384369},{"text":"Yeah.","start":907.62994,"end":908.12994,"sentiment":"neutral","sentiment_score":0.036005649715662},{"text":"Yeah.","start":916.375,"end":916.615,"sentiment":"neutral","sentiment_score":0.020176373422145844},{"text":"Okay.","start":916.615,"end":916.935,"sentiment":"neutral","sentiment_score":0.041442207992076874}],"sentiment":"neutral","sentiment_score":0.027508565623845373,"num_words":7,"start":906.02997,"end":916.935},{"sentences":[{"text":"Yep.","start":916.935,"end":917.435,"sentiment":"neutral","sentiment_score":0.05725134536623955},{"text":"Yep.","start":923.735,"end":924.235,"sentiment":"neutral","sentiment_score":0.03815102577209473},{"text":"Yep.","start":928.01,"end":928.51,"sentiment":"neutral","sentiment_score":0.05842585489153862},{"text":"Yep.","start":946.315,"end":946.815,"sentiment":"neutral","sentiment_score":0.09622925519943236},{"text":"Yep.","start":947.435,"end":947.83496,"sentiment":"neutral","sentiment_score":0.09331965446472168}],"sentiment":"neutral","sentiment_score":0.0686754271388054,"num_words":5,"start":916.935,"end":947.83496},{"sentences":[{"text":"Awesome.","start":947.83496,"end":948.33496,"sentiment":"positive","sentiment_score":0.5009698271751404},{"text":"Yeah.","start":948.555,"end":948.795,"sentiment":"neutral","sentiment_score":0.3078088164329529},{"text":"That's ETC mag was what I was personally invested in as well.","start":948.795,"end":954.2,"sentiment":"neutral","sentiment_score":0.23533008620142937},{"text":"So, yeah, that's the best one I could find as well.","start":954.2,"end":957.26,"sentiment":"positive","sentiment_score":0.4991918477145108},{"text":"Yeah.","start":963.56,"end":964.06,"sentiment":"neutral","sentiment_score":0.23208534717559817}],"sentiment":"positive","sentiment_score":0.3598436673100178,"num_words":26,"start":947.83496,"end":964.06},{"sentences":[{"text":"Yes.","start":974.175,"end":974.675,"sentiment":"neutral","sentiment_score":0.2226357460021973},{"text":"Yep.","start":990.76996,"end":991.26996,"sentiment":"neutral","sentiment_score":0.18415585160255432},{"text":"Okay.","start":999.345,"end":999.425,"sentiment":"neutral","sentiment_score":0.1369604915380478},{"text":"No problem.","start":999.425,"end":1000.165,"sentiment":"neutral","sentiment_score":0.14575745165348053},{"text":"Yes.","start":1052.6849,"end":1053.1849,"sentiment":"neutral","sentiment_score":0.16935387253761292}],"sentiment":"neutral","sentiment_score":0.16743681083122888,"num_words":6,"start":974.175,"end":1053.1849},{"sentences":[{"text":"Okay.","start":1068.2,"end":1068.7,"sentiment":"neutral","sentiment_score":0.01609167456626892},{"text":"Yep.","start":1072.2,"end":1072.7,"sentiment":"neutral","sentiment_score":0.06312917917966843},{"text":"Yep.","start":1083.305,"end":1083.805,"sentiment":"neutral","sentiment_score":0.15883180499076843},{"text":"I'm just on it.","start":1084.345,"end":1084.985,"sentiment":"neutral","sentiment_score":0.14271166920661926},{"text":"I'm just waiting for it to load.","start":1084.985,"end":1086.445,"sentiment":"neutral","sentiment_score":0.14201308467558452}],"sentiment":"neutral","sentiment_score":0.12878506630659103,"num_words":14,"start":1068.2,"end":1086.445},{"sentences":[{"text":"Yep.","start":1091.705,"end":1092.12,"sentiment":"neutral","sentiment_score":0.2696901559829712},{"text":"Yep.","start":1107.395,"end":1107.895,"sentiment":"neutral","sentiment_score":0.15843115746974945},{"text":"Yeah.","start":1111.235,"end":1111.475,"sentiment":"neutral","sentiment_score":0.1673738658428192},{"text":"It said you'll get you will get the signed document by email with a grantee.","start":1111.475,"end":1117.4149,"sentiment":"neutral","sentiment_score":0.25085307161013287},{"text":"Okay.","start":1138.595,"end":1138.995,"sentiment":"neutral","sentiment_score":0.17686942219734192}],"sentiment":"neutral","sentiment_score":0.23869266713920392,"num_words":19,"start":1091.705,"end":1138.995},{"sentences":[{"text":"No problem.","start":1138.995,"end":1139.475,"sentiment":"neutral","sentiment_score":0.3214370310306549},{"text":"Thanks, Veronica.","start":1139.475,"end":1140.295,"sentiment":"positive","sentiment_score":0.7338868975639343},{"text":"Appreciate your work.","start":1140.435,"end":1141.735,"sentiment":"positive","sentiment_score":0.5135068496068319},{"text":"Yeah.","start":1145.715,"end":1146.035,"sentiment":"positive","sentiment_score":0.36400824785232544},{"text":"You too.","start":1146.035,"end":1146.515,"sentiment":"positive","sentiment_score":0.34423142671585083}],"sentiment":"positive","sentiment_score":0.4703639507293701,"num_words":10,"start":1138.995,"end":1146.515},{"sentences":[{"text":"Well, not you too, but have a good day.","start":1146.515,"end":1148.375,"sentiment":"neutral","sentiment_score":0.276175388859378},{"text":"Thanks, Veronica.","start":1149.475,"end":1150.295,"sentiment":"positive","sentiment_score":0.6005536913871765},{"text":"Cheers.","start":1150.435,"end":1150.915,"sentiment":"positive","sentiment_score":0.6081253886222839},{"text":"Bye.","start":1150.915,"end":1151.415,"sentiment":"neutral","sentiment_score":-0.11615730822086334}],"sentiment":"neutral","sentiment_score":0.32143492022385967,"num_words":13,"start":1146.515,"end":1151.415}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Cody speaking.\n\nChannel 0: Good\n\nChannel 1: Hi.\n\nChannel 0: morning, Cody. This is Veronica from ICU Financial. How are you?\n\nChannel 1: Good. How are you doing?\n\nChannel 0: Good. How are you?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: That's good. I had you booked in for a bit of a catch up just to kind of go through the research I did on your super investments. Is now still\n\nChannel 1: Yep.\n\nChannel 0: a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Cody, what do I need? 300899 And 9 Bartlett Road, Lucidor.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your morning been? Been busy.\n\nChannel 1: Yeah. Not bad. Just a bit of work and just just doing a quick workout now, so not too bad.\n\nChannel 0: Yeah. That's all good. Now I imagine you probably don't have access to your emails right at this moment.\n\nChannel 1: No. I can't on my phone.\n\nChannel 0: Okay. I mean, it is up to you. It is pretty straightforward. If you are happy if you are able to get it up, I can show you the as I'm going through it. But if you can't,\n\nChannel 1: Yep.\n\nChannel 0: I can always kind of go through the main points. And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions. So it is up\n\nChannel 1: That's\n\nChannel 0: to you.\n\nChannel 1: okay. Is it the statement of assignment?\n\nChannel 0: Yes.\n\nChannel 1: Statement of advice. Sorry. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Oh,\n\nChannel 1: I've\n\nChannel 0: you get\n\nChannel 1: I've\n\nChannel 0: it?\n\nChannel 1: I've got\n\nChannel 0: You\n\nChannel 1: that up.\n\nChannel 0: you got it? Okay. Great. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now I will make it pretty quick for you so I don't keep you for\n\nChannel 1: That's\n\nChannel 0: too long.\n\nChannel 1: alright.\n\nChannel 0: Like I said, it is pretty straightforward. Now with the statement of advice, you can see here it has been tailored specifically for you. You will\n\nChannel 1: Yep.\n\nChannel 0: see on the cover page my my details as well, and you will see my authorized representative number listed. I am licensed under financial.\n\nChannel 1: Yeah.\n\nChannel 0: And, basically, every time we do make a a recommendation on our financial product and give you personalized advice, we do have to put everything in the statement of advice for you just so that you are fully aware of everything. A lot of it is just for compliance and pretty straightforward, so I will just kind of go through the main points and then let you kind of have a read over the rest.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now every time we do make a recommendation and when we are acting on page two, it outlines the best interest duty. Do you ever remember hearing about that before?\n\nChannel 1: Sorry. I'm you're, like, really quiet. I don't I've turned my volume all the way up, but I just didn't catch that last bit.\n\nChannel 0: No. That's okay. I'll see if I can turn it up. It must be something on my end because my previous appointment, he said the same thing. I\n\nChannel 1: That's\n\nChannel 0: do\n\nChannel 1: right.\n\nChannel 0: have it on on Max, but if you can't hear me, let me know.\n\nChannel 1: That's right. And if you could just repeat that that last little bit.\n\nChannel 0: Yeah. Perfect. So on page two of that document, you'll see the best interest duty outlined. Can you see that? Should be the page just after the cover page.\n\nChannel 1: The risk profile?\n\nChannel 0: No. I think you're a little bit too far ahead now. Just page two of their documents.\n\nChannel 1: So I've got cover page, table of contents, and then risk profile.\n\nChannel 0: Oh, okay. Perfect. I think it might be in the appendix. So that was the attachment to the email. So that's where all, like, the research and stuff goes.\n\nBut if\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: you\n\nChannel 0: can\n\nChannel 1: actually\n\nChannel 0: actually\n\nChannel 1: need me to open the document.\n\nChannel 0: yes. Yep.\n\nChannel 1: Oh, okay. Yeah. I\n\nChannel 0: If\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: could. I should have specified\n\nChannel 1: Yep.\n\nChannel 0: that. Sorry.\n\nChannel 1: That's right.\n\nChannel 0: If you could\n\nChannel 1: Yes. Best interest,\n\nChannel 0: yeah.\n\nChannel 1: Judy. I've got it here.\n\nChannel 0: Yeah. Amazing. So, basically, this just shows you as well that we have to act in your best interest at all time, and the\n\nChannel 1: Yep.\n\nChannel 0: advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now I will get you to scroll through for me. As you are scrolling, you will see table of content, pretty self explanatory, scope\n\nChannel 1: Yep.\n\nChannel 0: of advice. Basically, what this is is outlining the areas we are looking at today. So today, pretty straightforward. We are simply just looking at your superannuation, making sure everything is set up correctly for you, if you wanted to make some changes to your investment, and also look at if adding silver to your portfolio was going to be good for you.\n\nChannel 1: Yep.\n\nChannel 0: So that's basically what we are looking at today. I have also just included some information in regards to estate planning, such as some will, power of attorney, and for your super beneficiaries for you as well. But, otherwise, we are not making any recommendation on insurances or or anything like that. Literally, just your super today.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now if you can actually scroll through for me, you will see just some personal information about you.\n\nChannel 1: Yep.\n\nChannel 0: If you could just have a quick read over just to make sure that all kind of looks up to date or if we need to make any changes.\n\nChannel 1: Yep. Not so. It's pretty good.\n\nChannel 0: Yep. Yep. Perfect. And if you can then scroll to page nine for me, it should say\n\nChannel 1: Yep.\n\nChannel 0: your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: You can see where I'm up to? Yeah. Perfect. Now with your risk profile, we are not making any changes.\n\nChannel 1: Yep.\n\nChannel 0: We are keeping you in a high growth portfolio. You do have plenty of time until retirement, so you can definitely take advantage of those short term fluctuations in order to try and grow your super. So not making any changes. It is literally just swapping some investments around to put you in a better position. So pretty straightforward today.\n\nNow I usually find it easier if you wanna scroll down to page 17 for me. It should have a table where it says fee comparison.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now what I will go through here in this table, it is kind of it's easier sometimes to look at it and and see it from the numbers point of view. But everything is the pages that you scrolled past, it is outlining words for you as well so that you can have a read over it. It shows you why I have made the recommendation I have, some advantages, some risks and disadvantages in regards to it as well, but I\n\nChannel 1: Yep.\n\nChannel 0: will touch on it in in this table. It's usually just easier to look at it. So I have recommended that you stay in hub twenty four and just change your investment. I did do research on other super funds as well just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to do the research just to make sure if there's any other better options out there.\n\nAnd at the moment, hub twenty four is still very competitive. It's competitive when it comes to investment choices, flexibilities, and fees. So not making any changes in regards to the super fund, just your invest.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now you can see here that with the the recommendation, it is actually saving you a little bit in fees, which is\n\nChannel 1: Oh, okay.\n\nChannel 0: great. So, overall, it is saving about a $103 per year in fees.\n\nChannel 1: Yep.\n\nChannel 0: So, like, investment fees for you. So it is making it a little bit cheaper, which is great. Now when it comes to the returns, which you can see on the bottom of that table as well, when we are looking at a five year rolling average period, you can see that your current portfolio has performed at about 10.62%, and\n\nChannel 1: Yep.\n\nChannel 0: the recommended is 14.17. So a little bit better as well, which is great along with it being a bit cheaper.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense so far?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I do wanna let you know as well that when we are making the changes because we are selling some of your investments, there will be some capital gains tax with the change. We've tried\n\nChannel 1: Yep.\n\nChannel 0: to keep it as minimal as possible. So on the top of that table where you see the balance difference, it is estimated at about $38. So\n\nChannel 1: Yep. That's\n\nChannel 0: not\n\nChannel 1: right.\n\nChannel 0: not too good I mean, not too bad, but just so you are aware as well if you see that come out.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Makes sense?\n\nChannel 1: Yep. I'm with you.\n\nChannel 0: Yep. Perfect. If you can scroll up one page for me to page 16, this then shows you the asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: So you will see your risk profile, so that ninety ten allocation, 90 to growth, 10 to defensive. You can see your existing portfolio and then the proposed. So you can see that they are pretty close when it comes to growth and the defensive allocation there for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now what that actually looks like in terms of investments, if you can then scroll up through page 14 for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this might look a little bit messy, but it basically outlines all your investments. So what you see highlighted in red is what we are selling for you. What's in black is either what we are keeping within your portfolio or new investment. So I have recommended a bit of a change to your investment in order to try and improve that outcome for you.\n\nSo the philosophy around how we structure the portfolio, that's all the same. We're still keeping you within the core satellite approach to investment. Now the core investments, which are basically like the backbones of the portfolio, these are your biggest shareholding. So you can\n\nChannel 1: Okay.\n\nChannel 0: see, for example, the 34% in iShares S and P 500, you already had about 25.96 in S and P 500, and that one is obviously very diversified. It does include exposure to the 500 largest companies listed in The US. It's obviously\n\nChannel 1: Yes.\n\nChannel 0: very diversified, a good kind of core portfolio. Now you will also see it kind of spills over to page 15. You will see 24% in the BetaShares Australia 200. Now this is the one I have added instead of that Benelon investment we were talking about last time that was kind of underperforming a little bit. So we still obviously wanna make sure you do have exposure to the Australian market.\n\nWe don't want everything in in one area. So about\n\nChannel 1: Yep.\n\nChannel 0: 24% in this one. Again, very diversified. It is investing in the 200 largest companies listed on the ASX. For your\n\nChannel 1: Okay.\n\nChannel 0: companies like Commonwealth, BHP, Woolworths, again, very diversified for you.\n\nChannel 1: Yes.\n\nChannel 0: Now you then have your satellite investments. Now these are the ones that can be a little bit more specialized, can be a little bit more volatile, but they are the ones that's going to kind of maximize that growth for you. But because they can be a little bit more volatile, we wanna have a smaller allocation to these investments. So\n\nChannel 1: Yep.\n\nChannel 0: you will see here as well we've capped beta share cybersecurity in your portfolio, but we have reduced it down to 5%. Still keeping it in the portfolio, though, for you. We've swapped out some of the other satellite investments. So we've swapped out your India and your health care as well\n\nChannel 1: Yep.\n\nChannel 0: as the JPMorgan Global Research. We've swapped that one. And instead, we've introduced 8% to the Europe market. Again, a very diversified option, but it does give you exposures through a lot of investments and markets in Europe. So the biggest markets you will see are, like, Your UK, Germany, France, Switzerland.\n\nChannel 1: Yes.\n\nChannel 0: That one is managed by BlackRock as well, And you'll have a lot of a lot of really big companies, but about 8% to the Europe market. You have 5% to Japan as well. So we're basically swapping India, and we've introduced Japan instead for you. Again, it does invest in broad and large, mid sized Japanese companies to give you diversification, but only about 5%. And then we've also introduced 8% in Vanguard or World.\n\nYou may have heard of Vanguard before. They're quite\n\nChannel 1: Yes.\n\nChannel 0: big. Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: But this one here, it does exclude The US. So invest in all around the world, but excluding US because you already have exposure to The US in the ICS S and P 500, and we don't wanna have too much exposure into one market either. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now when it comes to your defensive investment or alternative investments, this is what we kind of had a bit of a play around to see, well, if we could introduce silver and how that would look like for you, but still making sure we we keep as close to that high growth asset allocation as possible. So I have recommended we we keep your gold in there. It was at seven\n\nChannel 1: Yes.\n\nChannel 0: point 9%, just keeping it at eight. Gold is, you know, historically preserved value very well, especially during kind of market volatility. So we wanna keep gold in your portfolio, but I have actually added in silver for you. So I have added\n\nChannel 1: Okay.\n\nChannel 0: in silver at eight\n\nChannel 1: Yep.\n\nChannel 0: percent. Now when I did have a look at it as well, it does benefit from industrial uses, kind of bit of a safe haven as well. It is\n\nChannel 1: Yep.\n\nChannel 0: your more of like your alternative asset. So to introduce the silver, I removed your fixed interest just so you are aware.\n\nChannel 1: Yes.\n\nChannel 0: So the silver can be a little bit more volatile at times than your standard fixed interest, like\n\nChannel 1: Yep.\n\nChannel 0: your bond investments, just so you obviously are aware, but I know you have pretty good understanding. But you can also then kind of take advantage of all the increases and everything we are seeing at the moment. And when I did\n\nChannel 1: Yep.\n\nChannel 0: compare it more long term, having silver in the portfolio instead of the fixed interest, it was actually improving the returns historically for you on a longer term as well. So you\n\nChannel 1: Okay.\n\nChannel 0: may see a little bit more potential what's going on right now is great, but, obviously, it depends on what's going on in the market. You can see a little bit more maybe fluctuations than the traditional fixed interest. But\n\nChannel 1: Yep.\n\nChannel 0: then long term, because you do have so much time on through over time, and it was actually a really good option to include it through your portfolio, and I know as well it was something that you were interested in. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. And that was essentially the changes with your investment. So so pretty straightforward. But in that appendix that you were in previously as well, I have actually included investment links to all of these investments.\n\nSo if it is\n\nChannel 1: Okay.\n\nChannel 0: that you wanna go back later and have a have a bit more read over the investment, you are more than welcome to as well. Any\n\nChannel 1: Yeah. Okay. So basically,\n\nChannel 0: questions?\n\nChannel 1: the only change is just you got rid of fixed interest, replace it with silver. Is that correct?\n\nChannel 0: Yes.\n\nChannel 1: Potentially.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: and then also changed so I also changed so on the table seven four 14, all the red, we changed. So we changed your\n\nChannel 1: Yeah.\n\nChannel 0: Benelung\n\nChannel 1: Okay. Yep.\n\nChannel 0: investment for that a 200 investment. We changed your India and health care JPMorgan\n\nChannel 1: Yep.\n\nChannel 0: for your Europe, Japan, and Vanguard instead. So your satellite\n\nChannel 1: Yep.\n\nChannel 0: investments, we did swap out. Your core investment stays the same. But, yes, otherwise, they're defensive. It was fixed interest to to silver and swapping some of the satellite investments for other ones that is a little bit cheaper, but also performing a little bit better for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Makes\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Awesome. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: ETC mag was what I was personally invested in as well. So, yeah, that's\n\nChannel 0: Beautiful.\n\nChannel 1: the best one I could find as well.\n\nChannel 0: Yeah. No. And the good thing is, well, with Hub twenty four, they they have so many different options.\n\nChannel 1: Yeah.\n\nChannel 0: So there's hundreds of different options in there, and that was the one that was kind of, like, the cheapest and still really good. So glad you've done your research as well,\n\nChannel 1: Yes.\n\nChannel 0: and and and that's the one. Now if anything does change, obviously, with the market or or anything like that, we'll always let you know. We can always revisit it during each annual review time. But if at any point, obviously, throughout the year as well, you wanna change anything, just give me a call, and we can always reassess it.\n\nChannel 1: Yep.\n\nChannel 0: But this kind of, yeah, combines it what you wanted as well as making sure we put you in a better position and keep your goals aligned for you.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: No\n\nChannel 0: the\n\nChannel 1: problem.\n\nChannel 0: last thing I do wanna mention before I let you go, Cody, is I said, I've been I've included some general information on the beneficiary nomination, the will power of attorney. And the last thing I do wanna mention is just in regards to the fee structure. So there is no changes like I mentioned last time. In regards to the fee structure, it stays exactly the same at 1.65. So if you are happy and you want to go ahead with these investment changes, there is no additional fees or charges.\n\nIt is all part of that ongoing advice fee. And, basically, from here is if you would like to take some time to read over the document, you are more than welcome to. Otherwise, if you are happy to go ahead with the recommendation, to move forward, it would just be in the document you are right now. It will ask you to sign it, add your\n\nChannel 1: Yes.\n\nChannel 0: signature, and your it will date it. Now sometimes there is a text box as well that it will actually ask you to put something in before it lets you move forward. That is just there for if you would like to make any alterations or changes. If you don't\n\nChannel 1: Okay.\n\nChannel 0: want to, you can just put a full stop on NA and then\n\nChannel 1: Yep.\n\nChannel 0: signature. And then once it's validated, it will then automatically send it back to me. And that tells me that you are happy to go ahead with the change, and then we can authorize that for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: I'm just on it. I'm just waiting for it to load.\n\nChannel 0: Yep. Perfect. I'll refresh that on my end to see.\n\nChannel 1: Yep.\n\nChannel 0: Now it it will also be saved into your account there if you wanna go back and have a read over it, but I always have everything on file as well. So if it is that you do want a copy of it at any point in time, just let me know it's it's all saved there for you.\n\nChannel 1: Yep.\n\nChannel 0: Now did it say validate on your end?\n\nChannel 1: Yeah. It said you'll get you will get the signed document by email with a grantee.\n\nChannel 0: Yep. Perfect. I can see that's come through on my end, which is great. So I will let the team know to go ahead with these couple of investment changes there for you, Cody. And if there is anything else that you need at any point in time, though, don't hesitate to give me a call or send you an email, and we can always book you in for another catch up.\n\nChannel 1: Okay. No problem.\n\nChannel 0: Yep.\n\nChannel 1: Thanks, Veronica.\n\nChannel 0: Beautiful.\n\nChannel 1: Appreciate\n\nChannel 0: No\n\nChannel 1: your\n\nChannel 0: problem.\n\nChannel 1: work.\n\nChannel 0: No problem at all. Thank you so much, and enjoy the rest of your workout.\n\nChannel 1: Yeah. You too. Well,\n\nChannel 0: Mhmm.\n\nChannel 1: not you too, but have a good day.\n\nChannel 0: All good. Thanks,\n\nChannel 1: Thanks,\n\nChannel 0: Cody.\n\nChannel 1: Veronica. Cheers.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.52,"sentiment":"neutral","sentiment_score":0.03051297925412655},{"text":"Cody speaking.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.03400908503681421}],"sentiment":"neutral","sentiment_score":0.03284371644258499,"channel":1,"num_words":3,"start":1.1999999,"end":2.42},{"sentences":[{"text":"Good","start":2.8799999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2581712007522583}],"sentiment":"neutral","sentiment_score":0.2581712007522583,"channel":0,"num_words":1,"start":2.8799999,"end":3.1999998},{"sentences":[{"text":"Hi.","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.3109532594680786}],"sentiment":"neutral","sentiment_score":0.3109532594680786,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"morning, Cody.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.3068843185901642},{"text":"This is Veronica from ICU Financial.","start":3.84,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.21284638593594232},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.18295356134573618}],"sentiment":"neutral","sentiment_score":0.2217916033484719,"channel":0,"num_words":11,"start":3.1999998,"end":6.74},{"sentences":[{"text":"Good.","start":7.2,"end":7.3599997,"sentiment":"positive","sentiment_score":0.40242627263069153},{"text":"How are you doing?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.2537103667855263}],"sentiment":"neutral","sentiment_score":0.28345354795455935,"channel":1,"num_words":5,"start":7.2,"end":8.18},{"sentences":[{"text":"Good.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.3923338651657105},{"text":"How are 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you?","start":19.715,"end":20.855,"sentiment":"neutral","sentiment_score":0.24666493237018586}],"sentiment":"neutral","sentiment_score":0.24666493237018586,"channel":0,"num_words":5,"start":19.715,"end":20.855},{"sentences":[{"text":"Yep.","start":20.965,"end":21.465,"sentiment":"neutral","sentiment_score":0.07400675117969513}],"sentiment":"neutral","sentiment_score":0.07400675117969513,"channel":1,"num_words":1,"start":20.965,"end":21.465},{"sentences":[{"text":"Yep.","start":21.875,"end":22.375,"sentiment":"neutral","sentiment_score":0.11935275793075562},{"text":"Perfect.","start":22.435,"end":22.935,"sentiment":"neutral","sentiment_score":0.3032688498497009},{"text":"Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.715,"end":30.88,"sentiment":"neutral","sentiment_score":0.031137590328681058}],"sentiment":"neutral","sentiment_score":0.042761668622974425,"channel":0,"num_words":31,"start":21.875,"end":30.88},{"sentences":[{"text":"Yep.","start":31.68,"end":32.18,"sentiment":"neutral","sentiment_score":0.060133323073387146}],"sentiment":"neutral","sentiment_score":0.060133323073387146,"channel":1,"num_words":1,"start":31.68,"end":32.18},{"sentences":[{"text":"Yep.","start":32.54,"end":32.94,"sentiment":"neutral","sentiment_score":0.09821497648954391},{"text":"Perfect.","start":32.94,"end":33.44,"sentiment":"neutral","sentiment_score":0.2643570303916931},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":34.14,"end":41.04,"sentiment":"neutral","sentiment_score":0.0729900383287006}],"sentiment":"neutral","sentiment_score":0.08045872557779839,"channel":0,"num_words":29,"start":32.54,"end":41.04},{"sentences":[{"text":"Yeah.","start":41.315,"end":41.715,"sentiment":"neutral","sentiment_score":0.018921567127108577},{"text":"Cody, what do I need?","start":41.715,"end":42.755,"sentiment":"neutral","sentiment_score":0.012922633066773414},{"text":"300899 And 9 Bartlett Road, Lucidor.","start":42.755,"end":48.695,"sentiment":"neutral","sentiment_score":0.016623856034129858}],"sentiment":"neutral","sentiment_score":0.015273155722146234,"channel":1,"num_words":12,"start":41.315,"end":48.695},{"sentences":[{"text":"Yep.","start":49.355003,"end":49.755,"sentiment":"neutral","sentiment_score":0.1423528492450714},{"text":"Perfect.","start":49.755,"end":50.235,"sentiment":"positive","sentiment_score":0.4759021997451782},{"text":"That's exactly what I have here.","start":50.235,"end":51.755,"sentiment":"positive","sentiment_score":0.4785494754711787},{"text":"How's your morning been?","start":51.755,"end":52.955,"sentiment":"neutral","sentiment_score":0.12017244659364223},{"text":"Been busy.","start":52.955,"end":53.615,"sentiment":"neutral","sentiment_score":0.03481864556670189}],"sentiment":"neutral","sentiment_score":0.288562784237521,"channel":0,"num_words":14,"start":49.355003,"end":53.615},{"sentences":[{"text":"Yeah.","start":54.34,"end":54.74,"sentiment":"neutral","sentiment_score":0.08069978654384613},{"text":"Not bad.","start":54.74,"end":55.14,"sentiment":"neutral","sentiment_score":0.12068245187401772},{"text":"Just a bit of work and just just doing a quick workout now, so not too bad.","start":55.14,"end":60.760002,"sentiment":"neutral","sentiment_score":0.1275210959069869}],"sentiment":"neutral","sentiment_score":0.12449616603553296,"channel":1,"num_words":20,"start":54.34,"end":60.760002},{"sentences":[{"text":"Yeah.","start":61.29,"end":61.530003,"sentiment":"neutral","sentiment_score":0.2174593210220337},{"text":"That's all good.","start":61.530003,"end":62.910004,"sentiment":"positive","sentiment_score":0.3678479890028636},{"text":"Now I imagine you probably don't have access to your emails right at this moment.","start":63.29,"end":67.39,"sentiment":"neutral","sentiment_score":-0.0869187446931998}],"sentiment":"neutral","sentiment_score":0.0009064272438224986,"channel":0,"num_words":19,"start":61.29,"end":67.39},{"sentences":[{"text":"No.","start":68.325,"end":68.645,"sentiment":"neutral","sentiment_score":-0.15161895751953125},{"text":"I can't on my 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can't,","start":80.189995,"end":81.31,"sentiment":"neutral","sentiment_score":0.006444723578169942}],"sentiment":"neutral","sentiment_score":0.10843095690698216,"channel":0,"num_words":38,"start":70.225,"end":81.31},{"sentences":[{"text":"Yep.","start":80.850006,"end":81.350006,"sentiment":"neutral","sentiment_score":0.03149036690592766}],"sentiment":"neutral","sentiment_score":0.03149036690592766,"channel":1,"num_words":1,"start":80.850006,"end":81.350006},{"sentences":[{"text":"I can always kind of go through the main points.","start":81.31,"end":83.549995,"sentiment":"neutral","sentiment_score":0.09850795231759549},{"text":"And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions.","start":83.549995,"end":89.71,"sentiment":"neutral","sentiment_score":0.08513205731287599},{"text":"So it is 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table.","start":391.22998,"end":392.75,"sentiment":"neutral","sentiment_score":0.12470262497663498},{"text":"It's usually just easier to look at it.","start":392.75,"end":395.115,"sentiment":"neutral","sentiment_score":0.19603250175714493},{"text":"So I have recommended that you stay in hub twenty four and just change your investment.","start":395.435,"end":400.095,"sentiment":"neutral","sentiment_score":0.19821923039853573},{"text":"I did do research on other super funds as well just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out.","start":400.395,"end":408.955,"sentiment":"neutral","sentiment_score":0.23920344662021947},{"text":"So it is good to do the research just to make sure if there's any other better options out 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too good I mean, not too bad, but just so you are aware as well if you see that come out.","start":497.16,"end":502.86002,"sentiment":"neutral","sentiment_score":-0.17570047182115642}],"sentiment":"neutral","sentiment_score":-0.17570047182115642,"channel":0,"num_words":22,"start":497.16,"end":502.86002},{"sentences":[{"text":"Yep.","start":503.32,"end":503.805,"sentiment":"neutral","sentiment_score":0.05596465617418289}],"sentiment":"neutral","sentiment_score":0.05596465617418289,"channel":1,"num_words":1,"start":503.32,"end":503.805},{"sentences":[{"text":"Yep.","start":503.80002,"end":504.2,"sentiment":"neutral","sentiment_score":0.06419261544942856},{"text":"Makes 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from ICU Financial and a wealth management company called Cody reviewed their investment portfolio and advised them to review the statement of advice and risk profile. They discussed the risk profile, portfolio, and risk profile, recommending a change to their investment portfolio and focusing on their risk profile. The speakers also mentioned the benefits of investing in silver and the possibility of adding it to their portfolio for long-term growth. They provided information on beneficiary nomination and fee structure, and offered to help with any questions or changes."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":100,"end_word":127,"intents":[{"intent":"Confirm identity","confidence_score":0.80344754},{"intent":"Provide information","confidence_score":0.17068164}]},{"text":"If you are happy if you are able to get it up, I can show you the as I'm going through it. But if you can't, Yep. I can always kind of go through the main points. And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions. So it is up That's to you.","start_word":210,"end_word":285,"intents":[{"intent":"Provide instructions","confidence_score":0.002247703}]},{"text":"And, basically, every time we do make a a recommendation on our financial product and give you personalized advice, we do have to put everything in the statement of advice for you just so that you are fully aware of everything. A lot of it is just for compliance and pretty straightforward, so I will just kind of go through the main points and then let you kind of have a read over the rest. Yep.","start_word":392,"end_word":467,"intents":[{"intent":"Provide recommendations and recommendations","confidence_score":0.0030039095}]},{"text":"have it on on Max, but if you can't hear me, let me know. That's right.","start_word":555,"end_word":570,"intents":[{"intent":"Activate device on max","confidence_score":0.0025492306}]},{"text":"No. I think you're a little bit too far ahead now. Just page two of their documents. So I've got cover page, table of contents, and then risk profile. Oh, okay.","start_word":614,"end_word":644,"intents":[{"intent":"Provide information on risk profile","confidence_score":0.00008211167}]},{"text":"I think it might be in the appendix. So that was the attachment to the email. So that's where all, like, the research and stuff goes. But if Oh, you you can actually actually need me to open the document. yes. Yep.","start_word":646,"end_word":687,"intents":[{"intent":"Recommend document opening","confidence_score":0.00066856795},{"intent":"Advise on email attachment","confidence_score":0.000011891914}]},{"text":"So, basically, this just shows you as well that we have to act in your best interest at all time, and the Yep. advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep.","start_word":721,"end_word":771,"intents":[{"intent":"Use yep advice","confidence_score":0.0010744461}]},{"text":"Now I will get you to scroll through for me. As you are scrolling, you will see table of content, pretty self explanatory, scope Yep. of advice.","start_word":773,"end_word":799,"intents":[{"intent":"Scroll through","confidence_score":0.13050829}]},{"text":"We are simply just looking at your superannuation, making sure everything is set up correctly for you, if you wanted to make some changes to your investment, and also look at if adding silver to your portfolio was going to be good for you. Yep.","start_word":817,"end_word":861,"intents":[{"intent":"Make investment adjustments","confidence_score":0.000012305648}]},{"text":"I have also just included some information in regards to estate planning, such as some will, power of attorney, and for your super beneficiaries for you as well. But, otherwise, we are not making any recommendation on insurances or or anything like that.","start_word":871,"end_word":913,"intents":[{"intent":"Understand estate planning","confidence_score":0.005019336}]},{"text":"Now if you can actually scroll through for me, you will see just some personal information about you. Yep.","start_word":922,"end_word":940,"intents":[{"intent":"Share personal information","confidence_score":0.036073808}]},{"text":"And if you can then scroll to page nine for me, it should say Yep. your risk profile.","start_word":979,"end_word":996,"intents":[{"intent":"Read risk profile","confidence_score":0.000054287826}]},{"text":"So I have recommended that you stay in hub twenty four and just change your investment.","start_word":1207,"end_word":1222,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.26874128}]},{"text":"Now you can see here that with the the recommendation, it is actually saving you a little bit in fees, which is Oh, okay. great. So, overall, it is saving about a $103 per year in fees. Yep.","start_word":1318,"end_word":1355,"intents":[{"intent":"Promote investment savings","confidence_score":0.00004466247}]},{"text":"Now when it comes to the returns, which you can see on the bottom of that table as well, when we are looking at a five year rolling average period, you can see that your current portfolio has performed at about 10.62%, and Yep. the recommended is 14.17. So a little bit better as well, which is great along with it being a bit cheaper. Okay.","start_word":1374,"end_word":1439,"intents":[{"intent":"Explain current portfolio performance","confidence_score":0.0016430543}]},{"text":"Now I do wanna let you know as well that when we are making the changes because we are selling some of your investments, there will be some capital gains tax with the change.","start_word":1449,"end_word":1482,"intents":[{"intent":"Discuss capital gains tax","confidence_score":0.05001293}]},{"text":"So on the top of that table where you see the balance difference, it is estimated at about $38. So Yep.","start_word":1493,"end_word":1513,"intents":[{"intent":"Explain difference between investments","confidence_score":0.0010809458}]},{"text":"Now what that actually looks like in terms of investments, if you can then scroll up through page 14 for me. Yep.","start_word":1621,"end_word":1642,"intents":[{"intent":"Assist investors","confidence_score":0.00006296221}]},{"text":"Now when it comes to your defensive investment or alternative investments, this is what we kind of had a bit of a play around to see, well, if we could introduce silver and how that would look like for you, but still making sure we we keep as close to that high growth asset allocation as possible.","start_word":2229,"end_word":2285,"intents":[{"intent":"Introduce silver and maintain gold in portfolio","confidence_score":0.015707808}]},{"text":"So to introduce the silver, I removed your fixed interest just so you are aware. Yes.","start_word":2387,"end_word":2402,"intents":[{"intent":"Remove fixed interest","confidence_score":0.86306304}]},{"text":"compare it more long term, having silver in the portfolio instead of the fixed interest, it was actually improving the returns historically for you on a longer term as well. So you Okay.","start_word":2465,"end_word":2497,"intents":[{"intent":"Improve returns","confidence_score":0.6943896}]},{"text":"But in that appendix that you were in previously as well, I have actually included investment links to all of these investments. So if it is Okay.","start_word":2601,"end_word":2627,"intents":[{"intent":"Include investment links","confidence_score":0.78619087}]},{"text":"that you wanna go back later and have a have a bit more read over the investment, you are more than welcome to as well. Any Yeah. Okay. So basically, questions? the only change is just you got rid of fixed interest, replace it with silver. Is that correct? Yes.","start_word":2629,"end_word":2678,"intents":[{"intent":"Update investment information","confidence_score":0.02328032}]},{"text":"And the last thing I do wanna mention is just in regards to the fee structure. So there is no changes like I mentioned last time. In regards to the fee structure, it stays exactly the same at 1.65.","start_word":2998,"end_word":3036,"intents":[{"intent":"Update fee structure","confidence_score":0.0060268454}]},{"text":"And then once it's validated, it will then automatically send it back to me. And that tells me that you are happy to go ahead with the change, and then we can authorize that for you. Yep.","start_word":3192,"end_word":3228,"intents":[{"intent":"Verify document validation","confidence_score":0.0015123598}]}]},"sentiments":{"segments":[{"text":"Hello. Cody speaking. Good Hi. morning, Cody. This is Veronica from ICU Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.19537711143493652},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.40242627263069153},{"text":"How are you doing?","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.263308584690094},{"text":"Good.","start_word":21,"end_word":21,"sentiment":"positive","sentiment_score":0.3923338651657105},{"text":"How are you? Yeah.","start_word":22,"end_word":25,"sentiment":"neutral","sentiment_score":0.25328391790390015},{"text":"Good. Thanks. That's good.","start_word":26,"end_word":29,"sentiment":"positive","sentiment_score":0.6284549832344055},{"text":"I had you booked in for a bit of a catch up just to kind of go through the research I did on your super investments. Is now still Yep. a good time for you? Yep. Yep. Perfect. Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah. Cody, what do I need? 300899 And 9 Bartlett Road, Lucidor. Yep.","start_word":30,"end_word":139,"sentiment":"neutral","sentiment_score":0.09805241227149963},{"text":"Perfect. That's exactly what I have here.","start_word":140,"end_word":146,"sentiment":"positive","sentiment_score":0.4725799560546875},{"text":"How's your morning been? Been busy. Yeah. Not bad. Just a bit of work and just just doing a quick workout now, so not too bad. Yeah.","start_word":147,"end_word":173,"sentiment":"neutral","sentiment_score":0.1194327101111412},{"text":"That's all good.","start_word":174,"end_word":176,"sentiment":"positive","sentiment_score":0.3575856387615204},{"text":"Now I imagine you probably don't have access to your emails right at this moment. No. I can't on my phone. Okay. I mean, it is up to you. It is pretty straightforward. If you are happy if you are able to get it up, I can show you the as I'm going through it. But if you can't, Yep. I can always kind of go through the main points. And then when you're not at the gym and you have a bit more time, you can have a read over it, and then let me know if you have any questions. So it is up That's to you. okay. Is it the statement of assignment? Yes. Statement of advice. Sorry. Yep. Yes. Yeah. Yeah. No. Oh, I've you get I've it? I've got You that up. you got it? Okay.","start_word":177,"end_word":317,"sentiment":"neutral","sentiment_score":0.03744983300566673},{"text":"Great.","start_word":318,"end_word":318,"sentiment":"positive","sentiment_score":0.3343968391418457},{"text":"Perfect. Yep. Now I will make it pretty quick for you so I don't keep you for That's too long. alright. Like I said, it is pretty straightforward. Now with the statement of advice, you can see here it has been tailored specifically for you. You will Yep. see on the cover page my my details as well, and you will see my authorized representative number listed. I am licensed under financial. Yeah. And, basically, every time we do make a a recommendation on our financial product and give you personalized advice, we do have to put everything in the statement of advice for you just so that you are fully aware of everything. A lot of it is just for compliance and pretty straightforward, so I will just kind of go through the main points and then let you kind of have a read over the rest. Yep. Yep.","start_word":319,"end_word":468,"sentiment":"neutral","sentiment_score":0.137390200595061},{"text":"Perfect.","start_word":469,"end_word":469,"sentiment":"positive","sentiment_score":0.6232661008834839},{"text":"Now every time we do make a recommendation and when we are acting on page two, it outlines the best interest duty. Do you ever remember hearing about that before? Sorry. I'm you're, like, really quiet. I don't I've turned my volume all the way up, but I just didn't catch that last bit. No. That's okay. I'll see if I can turn it up. It must be something on my end because my previous appointment, he said the same thing. I That's do right. have it on on Max, but if you can't hear me, let me know. That's right. And if you could just repeat that that last little bit. Yeah. Perfect. So on page two of that document, you'll see the best interest duty outlined. Can you see that? Should be the page just after the cover page. The risk profile? No. I think you're a little bit too far ahead now. Just page two of their documents. So I've got cover page, table of contents, and then risk profile. Oh, okay. Perfect. I think it might be in the appendix. So that was the attachment to the email. So that's where all, like, the research and stuff goes. But if Oh, you you can actually actually need me to open the document. yes. Yep. Oh, okay. Yeah. I If got you you. could. I should have specified Yep. that. Sorry. That's right. If you could Yes. Best interest, yeah. Judy. I've got it here. Yeah.","start_word":470,"end_word":718,"sentiment":"neutral","sentiment_score":0.01741972751915455},{"text":"Amazing.","start_word":719,"end_word":719,"sentiment":"positive","sentiment_score":0.5563682317733765},{"text":"So, basically, this just shows you as well that we have to act in your best interest at all time, and the Yep. advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yeah.","start_word":720,"end_word":771,"sentiment":"neutral","sentiment_score":0.08912226557731628},{"text":"Perfect.","start_word":772,"end_word":772,"sentiment":"positive","sentiment_score":0.5373591184616089},{"text":"Now I will get you to scroll through for me. As you are scrolling, you will see table of content, pretty self explanatory, scope Yep. of advice. Basically, what this is is outlining the areas we are looking at today.","start_word":773,"end_word":812,"sentiment":"neutral","sentiment_score":0.21424448490142825},{"text":"So today, pretty straightforward. We are simply just looking at your superannuation, making sure everything is set up correctly for you, if you wanted to make some changes to your investment, and also look at if adding silver to your portfolio was going to be good for you.","start_word":813,"end_word":860,"sentiment":"positive","sentiment_score":0.38806015253067017},{"text":"Yep. So that's basically what we are looking at today. I have also just included some information in regards to estate planning, such as some will, power of attorney, and for your super beneficiaries for you as well. But, otherwise, we are not making any recommendation on insurances or or anything like that. Literally, just your super today. Yes. Yep.","start_word":861,"end_word":920,"sentiment":"neutral","sentiment_score":0.04211701452732086},{"text":"Perfect.","start_word":921,"end_word":921,"sentiment":"positive","sentiment_score":0.390423059463501},{"text":"Now if you can actually scroll through for me, you will see just some personal information about you. Yep. If you could just have a quick read over just to make sure that all kind of looks up to date or if we need to make any changes. Yep. Not so. It's pretty good. Yep. Yep. Perfect. And if you can then scroll to page nine for me, it should say Yep. your risk profile. Yep. You can see where I'm up to? Yeah. Perfect. Now with your risk profile, we are not making any changes. Yep. We are keeping you in a high growth portfolio.","start_word":922,"end_word":1027,"sentiment":"neutral","sentiment_score":0.0934632048010826},{"text":"You do have plenty of time until retirement, so you can definitely take advantage of those short term fluctuations in order to try and grow your super.","start_word":1028,"end_word":1054,"sentiment":"positive","sentiment_score":0.3868531882762909},{"text":"So not making any changes. It is literally just swapping some investments around to put you in a better position.","start_word":1055,"end_word":1074,"sentiment":"neutral","sentiment_score":0.23999957740306857},{"text":"So pretty straightforward today.","start_word":1075,"end_word":1078,"sentiment":"positive","sentiment_score":0.4712428152561188},{"text":"Now I usually find it easier if you wanna scroll down to page 17 for me. It should have a table where it says fee comparison. Yes. Yeah.","start_word":1079,"end_word":1106,"sentiment":"neutral","sentiment_score":0.25503775477409363},{"text":"Perfect.","start_word":1107,"end_word":1107,"sentiment":"positive","sentiment_score":0.3807113766670227},{"text":"Now what I will go through here in this table, it is kind of it's easier sometimes to look at it and and see it from the numbers point of view. But everything is the pages that you scrolled past, it is outlining words for you as well so that you can have a read over it. It shows you why I have made the recommendation I have, some advantages, some risks and disadvantages in regards to it as well, but I Yep. will touch on it in in this table. It's usually just easier to look at it. So I have recommended that you stay in hub twenty four and just change your investment. I did do research on other super funds as well just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to do the research just to make sure if there's any other better options out there. And at the moment, hub twenty four is still very competitive. It's competitive when it comes to investment choices, flexibilities, and fees. So not making any changes in regards to the super fund, just your invest. Yep.","start_word":1108,"end_word":1316,"sentiment":"neutral","sentiment_score":0.15000779926776886},{"text":"Perfect.","start_word":1317,"end_word":1317,"sentiment":"positive","sentiment_score":0.48495644330978394},{"text":"Now you can see here that with the the recommendation, it is actually saving you a little bit in fees, which is Oh, okay.","start_word":1318,"end_word":1341,"sentiment":"neutral","sentiment_score":0.326947957277298},{"text":"great. So, overall, it is saving about a $103 per year in fees. Yep. So, like, investment fees for you. So it is making it a little bit cheaper, which is great.","start_word":1342,"end_word":1373,"sentiment":"positive","sentiment_score":0.4522771835327149},{"text":"Now when it comes to the returns, which you can see on the bottom of that table as well, when we are looking at a five year rolling average period, you can see that your current portfolio has performed at about 10.62%, and Yep. the recommended is 14.17.","start_word":1374,"end_word":1421,"sentiment":"neutral","sentiment_score":0.2701418697834015},{"text":"So a little bit better as well, which is great along with it being a bit cheaper.","start_word":1422,"end_word":1438,"sentiment":"positive","sentiment_score":0.4993850290775299},{"text":"Okay. Does that make sense so far? Yep. Yep.","start_word":1439,"end_word":1447,"sentiment":"neutral","sentiment_score":0.13668479025363922},{"text":"Perfect.","start_word":1448,"end_word":1448,"sentiment":"positive","sentiment_score":0.4148635268211365},{"text":"Now I do wanna let you know as well that when we are making the changes because we are selling some of your investments, there will be some capital gains tax with the change. We've tried Yep. to keep it as minimal as possible. So on the top of that table where you see the balance difference, it is estimated at about $38. So Yep. not That's right. not too good I mean, not too bad, but just so you are aware as well if you see that come out. Yep. Yep. Makes sense? Yep. I'm with you. Yep.","start_word":1449,"end_word":1547,"sentiment":"neutral","sentiment_score":0.05638961275719633},{"text":"Perfect.","start_word":1548,"end_word":1548,"sentiment":"positive","sentiment_score":0.546816885471344},{"text":"If you can scroll up one page for me to page 16, this then shows you the asset allocation. Yep. So you will see your risk profile, so that ninety ten allocation, 90 to growth, 10 to defensive. You can see your existing portfolio and then the proposed. So you can see that they are pretty close when it comes to growth and the defensive allocation there for you. Okay. Yep. Perfect. Now what that actually looks like in terms of investments, if you can then scroll up through page 14 for me. Yep. Yep. Now this might look a little bit messy, but it basically outlines all your investments. So what you see highlighted in red is what we are selling for you. What's in black is either what we are keeping within your portfolio or new investment. So I have recommended a bit of a change to your investment in order to try and improve that outcome for you. So the philosophy around how we structure the portfolio, that's all the same. We're still keeping you within the core satellite approach to investment. Now the core investments, which are basically like the backbones of the portfolio, these are your biggest shareholding. So you can Okay. see, for example, the 34% in iShares S and P 500, you already had about 25.96 in S and P 500, and that one is obviously very diversified. It does include exposure to the 500 largest companies listed in The US. It's obviously Yes. very diversified, a good kind of core portfolio. Now you will also see it kind of spills over to page 15. You will see 24% in the BetaShares Australia 200. Now this is the one I have added instead of that Benelon investment we were talking about last time that was kind of underperforming a little bit. So we still obviously wanna make sure you do have exposure to the Australian market. We don't want everything in in one area. So about Yep. 24% in this one. Again, very diversified. It is investing in the 200 largest companies listed on the ASX. For your Okay.","start_word":1549,"end_word":1904,"sentiment":"neutral","sentiment_score":0.11106735467910768},{"text":"companies like Commonwealth, BHP, Woolworths, again, very diversified for you.","start_word":1905,"end_word":1914,"sentiment":"positive","sentiment_score":0.3842076063156128},{"text":"Yes. Now you then have your satellite investments. Now these are the ones that can be a little bit more specialized, can be a little bit more volatile, but they are the ones that's going to kind of maximize that growth for you. But because they can be a little bit more volatile, we wanna have a smaller allocation to these investments. So Yep. you will see here as well we've capped beta share cybersecurity in your portfolio, but we have reduced it down to 5%. Still keeping it in the portfolio, though, for you. We've swapped out some of the other satellite investments. So we've swapped out your India and your health care as well Yep. as the JPMorgan Global Research. We've swapped that one. And instead, we've introduced 8% to the Europe market. Again, a very diversified option, but it does give you exposures through a lot of investments and markets in Europe. So the biggest markets you will see are, like, Your UK, Germany, France, Switzerland. Yes. That one is managed by BlackRock as well, And you'll have a lot of a lot of really big companies, but about 8% to the Europe market. You have 5% to Japan as well. So we're basically swapping India, and we've introduced Japan instead for you. Again, it does invest in broad and large, mid sized Japanese companies to give you diversification, but only about 5%. And then we've also introduced 8% in Vanguard or World. You may have heard of Vanguard before. They're quite Yes. big. Yep.","start_word":1915,"end_word":2172,"sentiment":"neutral","sentiment_score":0.15201856195926666},{"text":"Perfect.","start_word":2173,"end_word":2173,"sentiment":"positive","sentiment_score":0.47714805603027344},{"text":"Yep. But this one here, it does exclude The US. So invest in all around the world, but excluding US because you already have exposure to The US in the ICS S and P 500, and we don't wanna have too much exposure into one market either. Does that make sense? Yep. Yep.","start_word":2174,"end_word":2226,"sentiment":"neutral","sentiment_score":0.010219519026577473},{"text":"Beautiful.","start_word":2227,"end_word":2227,"sentiment":"positive","sentiment_score":0.7689597606658936},{"text":"Now when it comes to your defensive investment or alternative investments, this is what we kind of had a bit of a play around to see, well, if we could introduce silver and how that would look like for you, but still making sure we we keep as close to that high growth asset allocation as possible. So I have recommended we we keep your gold in there. It was at seven Yes. point 9%, just keeping it at eight.","start_word":2228,"end_word":2307,"sentiment":"neutral","sentiment_score":0.13830187916755676},{"text":"Gold is, you know, historically preserved value very well, especially during kind of market volatility.","start_word":2308,"end_word":2322,"sentiment":"positive","sentiment_score":0.3774046897888184},{"text":"So we wanna keep gold in your portfolio, but I have actually added in silver for you. So I have added Okay. in silver at eight Yep. percent.","start_word":2323,"end_word":2350,"sentiment":"neutral","sentiment_score":0.23007354140281677},{"text":"Now when I did have a look at it as well, it does benefit from industrial uses, kind of bit of a safe haven as well.","start_word":2351,"end_word":2376,"sentiment":"positive","sentiment_score":0.37084218859672546},{"text":"It is Yep. your more of like your alternative asset. So to introduce the silver, I removed your fixed interest just so you are aware. Yes. So the silver can be a little bit more volatile at times than your standard fixed interest, like Yep. your bond investments, just so you obviously are aware, but I know you have pretty good understanding.","start_word":2377,"end_word":2438,"sentiment":"neutral","sentiment_score":0.13363905251026154},{"text":"But you can also then kind of take advantage of all the increases and everything we are seeing at the moment. And when I did Yep. compare it more long term, having silver in the portfolio instead of the fixed interest, it was actually improving the returns historically for you on a longer term as well.","start_word":2439,"end_word":2494,"sentiment":"positive","sentiment_score":0.4504997730255127},{"text":"So you Okay. may see a little bit more potential what's going on right now is great, but, obviously, it depends on what's going on in the market. You can see a little bit more maybe fluctuations than the traditional fixed interest. But Yep.","start_word":2495,"end_word":2538,"sentiment":"neutral","sentiment_score":0.1048995777964592},{"text":"then long term, because you do have so much time on through over time, and it was actually a really good option to include it through your portfolio, and I know as well it was something that you were interested in.","start_word":2539,"end_word":2579,"sentiment":"positive","sentiment_score":0.34889841079711914},{"text":"Does that make sense? Yep. Yep.","start_word":2580,"end_word":2585,"sentiment":"neutral","sentiment_score":0.1598542332649231},{"text":"Yep. Beautiful. And that was essentially the changes with your investment. So so pretty straightforward.","start_word":2586,"end_word":2600,"sentiment":"positive","sentiment_score":0.4637181162834167},{"text":"But in that appendix that you were in previously as well, I have actually included investment links to all of these investments. So if it is Okay. that you wanna go back later and have a have a bit more read over the investment, you are more than welcome to as well. Any Yeah. Okay. So basically, questions? the only change is just you got rid of fixed interest, replace it with silver. Is that correct? Yes. Potentially. And Yeah. and then also changed so I also changed so on the table seven four 14, all the red, we changed. So we changed your Yeah. Benelung Okay. Yep. investment for that a 200 investment. We changed your India and health care JPMorgan Yep. for your Europe, Japan, and Vanguard instead. So your satellite Yep. investments, we did swap out. Your core investment stays the same. But, yes, otherwise, they're defensive. It was fixed interest to to silver and swapping some of the satellite investments for other ones that is a little bit cheaper, but also performing a little bit better for you as well. Yep. Yep. Makes Yep. sense?","start_word":2601,"end_word":2789,"sentiment":"neutral","sentiment_score":0.09474144450255804},{"text":"Awesome.","start_word":2790,"end_word":2790,"sentiment":"positive","sentiment_score":0.5009698271751404},{"text":"Yeah. That's Yep. ETC mag was what I was personally invested in as well.","start_word":2791,"end_word":2804,"sentiment":"neutral","sentiment_score":0.25270166993141174},{"text":"So, yeah, that's Beautiful. the best one I could find as well.","start_word":2805,"end_word":2816,"sentiment":"positive","sentiment_score":0.4929411709308624},{"text":"Yeah. No. And the good thing is, well, with Hub twenty four, they they have so many different options. Yeah.","start_word":2817,"end_word":2836,"sentiment":"neutral","sentiment_score":0.23026102781295776},{"text":"So there's hundreds of different options in there, and that was the one that was kind of, like, the cheapest and still really good. So glad you've done your research as well, Yes.","start_word":2837,"end_word":2869,"sentiment":"positive","sentiment_score":0.37890392541885376},{"text":"and and and that's the one. Now if anything does change, obviously, with the market or or anything like that, we'll always let you know. We can always revisit it during each annual review time. But if at any point, obviously, throughout the year as well, you wanna change anything, just give me a call, and we can always reassess it. Yep.","start_word":2870,"end_word":2931,"sentiment":"neutral","sentiment_score":0.13411739468574524},{"text":"But this kind of, yeah, combines it what you wanted as well as making sure we put you in a better position and keep your goals aligned for you.","start_word":2932,"end_word":2960,"sentiment":"positive","sentiment_score":0.4215921759605408},{"text":"Okay. Now No the problem. last thing I do wanna mention before I let you go, Cody, is I said, I've been I've included some general information on the beneficiary nomination, the will power of attorney. And the last thing I do wanna mention is just in regards to the fee structure. So there is no changes like I mentioned last time. In regards to the fee structure, it stays exactly the same at 1.65.","start_word":2961,"end_word":3035,"sentiment":"neutral","sentiment_score":0.11925687968730926},{"text":"So if you are happy and you want to go ahead with these investment changes, there is no additional fees or charges. It is all part of that ongoing advice fee.","start_word":3036,"end_word":3066,"sentiment":"positive","sentiment_score":0.45178449153900146},{"text":"And, basically, from here is if you would like to take some time to read over the document, you are more than welcome to.","start_word":3067,"end_word":3090,"sentiment":"neutral","sentiment_score":0.3254425525665283},{"text":"Otherwise, if you are happy to go ahead with the recommendation, to move forward, it would just be in the document you are right now.","start_word":3091,"end_word":3115,"sentiment":"positive","sentiment_score":0.37346988916397095},{"text":"It will ask you to sign it, add your Yes. signature, and your it will date it. Now sometimes there is a text box as well that it will actually ask you to put something in before it lets you move forward. That is just there for if you would like to make any alterations or changes. If you don't Okay. want to, you can just put a full stop on NA and then Yep. signature. And then once it's validated, it will then automatically send it back to me.","start_word":3116,"end_word":3205,"sentiment":"neutral","sentiment_score":0.1676117479801178},{"text":"And that tells me that you are happy to go ahead with the change, and then we can authorize that for you.","start_word":3206,"end_word":3227,"sentiment":"positive","sentiment_score":0.366951584815979},{"text":"Yep. Yep. I'm just on it. I'm just waiting for it to load. Yep.","start_word":3228,"end_word":3241,"sentiment":"neutral","sentiment_score":0.15741273760795593},{"text":"Perfect.","start_word":3242,"end_word":3242,"sentiment":"positive","sentiment_score":0.5740771293640137},{"text":"I'll refresh that on my end to see. Yep. Now it it will also be saved into your account there if you wanna go back and have a read over it, but I always have everything on file as well.","start_word":3243,"end_word":3282,"sentiment":"neutral","sentiment_score":0.3102947473526001},{"text":"So if it is that you do want a copy of it at any point in time, just let me know it's it's all saved there for you.","start_word":3283,"end_word":3310,"sentiment":"positive","sentiment_score":0.3478478193283081},{"text":"Yep. Now did it say validate on your end? Yeah. It said you'll get you will get the signed document by email with a grantee.","start_word":3311,"end_word":3335,"sentiment":"neutral","sentiment_score":0.2008759379386902},{"text":"Yep. Perfect. I can see that's come through on my end, which is great. So I will let the team know to go ahead with these couple of investment changes there for you, Cody.","start_word":3336,"end_word":3369,"sentiment":"positive","sentiment_score":0.6508628129959106},{"text":"And if there is anything else that you need at any point in time, though, don't hesitate to give me a call or send you an email, and we can always book you in for another catch up. Okay. No problem.","start_word":3370,"end_word":3410,"sentiment":"neutral","sentiment_score":0.13263769447803497},{"text":"Yep. Thanks, Veronica. Beautiful. Appreciate No your problem. work. No problem at all. Thank you so much, and enjoy the rest of your workout. Yeah. You too.","start_word":3411,"end_word":3437,"sentiment":"positive","sentiment_score":0.6018741726875305},{"text":"Well, Mhmm. not you too, but have a good day.","start_word":3438,"end_word":3447,"sentiment":"neutral","sentiment_score":0.24616210162639615},{"text":"All good. Thanks, Thanks, Cody. Veronica. Cheers. Bye.","start_word":3448,"end_word":3455,"sentiment":"positive","sentiment_score":0.5675362944602966},{"text":"Bye.","start_word":3456,"end_word":3456,"sentiment":"neutral","sentiment_score":0.24093417823314667}],"average":{"sentiment":"neutral","sentiment_score":0.1719505552394236}}}}