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So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account. So that way, you're not having to sell any of those assets. So you retain the cost base to those assets. It would still trigger a CGT event moving those funds across because you're changing the ownership structure, but you wouldn't lose the cost base. The other option that is available to you, depending on what you were gonna do with regards to, I guess, an investment platform, is you could sell everything down to cash, transfer it across to your chosen bank account or or platform, and then buy whatever assets you're looking to buy under that platform. They are essentially the two options that you kind of have available with moving the money over to an SMSF structure. Most platforms don't, to be honest. Like, you just transfer out, and even, like, some do, like, allow you to transfer in and out, but it's generally within the same like, Hub twenty four will let you transfer within Hub twenty four, but they can't change yeah. They can't transfer it out of, like, Hub twenty four's trustee without basically selling it down and triggering a CGT event. Yes. Yeah. And then that's, I guess, what I was mhmm. And and you could you could manage it yourself under Hub twenty four in the SMSF. Like, you could do the trades and the buyers and everything like that yourself. It would just be yeah. It's just the the you still yeah. You're you're beholden to Hub twenty four's fees and stuff like that. Yeah. Yep. Because it's a because it's a change of ownership, it'll it'll trigger the CGT. So even even if you, like, change the like, even if you wanna move like, we didn't have 24, move the funds from any platform, really. If you change ownership, it triggers CGT. And I yes. I can calculate it for both of you. I mean, I can calculate and send it to you an email so that way it's not not you waiting for me to do the math. Cool. Yeah. I'll I'll do it I'll do it today, and I'll I'll send it through to to you for both of the accounts. That way, you obviously have both of them. But, yeah, it'll obviously, that'll be a definite definite deciding factor for you. I have to double check. I don't believe it is so. I have to I have to double check, like, who exactly it is. Yeah. Yeah. Yeah. No. And that's that's absolutely fair. It is a change of ownership because currently, HUB24 owns it while you're, I guess, technically a beneficiary if you wanna kinda put it that way. Because the own the ownership of the shares is Hub twenty four and you're like, with your account, you're changing the full ownership over to the SMSF trustee owning it. Depends on no. Not at all. It just depends on what they're wanting their money for. So a lot of people that move to an SMSF are generally going and doing property and stuff like that. So they liquidate their shares because they are wanting to utilize the funds for brick and mortar purchase. It's not just, you know, share trading. The share trading generally becomes a secondary to it as they can't stand. Yeah. If if the outcome is to get away from Hub twenty four, it it it would basically be a sell. No. No. I know. No. You're so fine. I understand. I know you're not. It's why I, like, con kinda flagged with me, and I was like, hey. How about I'm I'll I'm gonna jump on the phone and kind of have a chat. Like, there's only so much I can convey over email back and forwards that a five minute chat might be a bit quicker than everything else. Yeah. Exactly. Yep. Absolutely. And I've still got the meeting time booked in our calendars for Monday. So if you wanna chat then, just I'll keep it. I'll give you a call. Yeah. Cool. No stress. Thanks, Glenn. 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that? Amazing. So just to let you know, new call, it is recorded. So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account. So that way, you're not having to sell any of those assets.\n\nSo you retain the cost base to those assets. It would still trigger a CGT event moving those funds across because you're changing the ownership structure, but you wouldn't lose the cost base. The other option that is available to you, depending on what you were gonna do with regards to, I guess, an investment platform, is you could sell everything down to cash, transfer it across to your chosen bank account or or platform, and then buy whatever assets you're looking to buy under that platform. They are essentially the two options that you kind of have available with moving the money over to an SMSF structure. Most platforms don't, to be honest.\n\nLike, you just transfer out, and even, like, some do, like, allow you to transfer in and out, but it's generally within the same like, Hub twenty four will let you transfer within Hub twenty four, but they can't change yeah. They can't transfer it out of, like, Hub twenty four's trustee without basically selling it down and triggering a CGT event. Yes. Yeah. And then that's, I guess, what I was mhmm.\n\nAnd and you could you could manage it yourself under Hub twenty four in the SMSF. Like, you could do the trades and the buyers and everything like that yourself. It would just be yeah. It's just the the you still yeah. You're you're beholden to Hub twenty four's fees and stuff like that.\n\nYeah. Yep. Because it's a because it's a change of ownership, it'll it'll trigger the CGT. So even even if you, like, change the like, even if you wanna move like, we didn't have 24, move the funds from any platform, really. If you change ownership, it triggers CGT.\n\nAnd I yes. I can calculate it for both of you. I mean, I can calculate and send it to you an email so that way it's not not you waiting for me to do the math. Cool. Yeah.\n\nI'll I'll do it I'll do it today, and I'll I'll send it through to to you for both of the accounts. That way, you obviously have both of them. But, yeah, it'll obviously, that'll be a definite definite deciding factor for you. I have to double check. I don't believe it is so.\n\nI have to I have to double check, like, who exactly it is. Yeah. Yeah. Yeah. No.\n\nAnd that's that's absolutely fair. It is a change of ownership because currently, HUB24 owns it while you're, I guess, technically a beneficiary if you wanna kinda put it that way. Because the own the ownership of the shares is Hub twenty four and you're like, with your account, you're changing the full ownership over to the SMSF trustee owning it. Depends on no. Not at all.\n\nIt just depends on what they're wanting their money for. So a lot of people that move to an SMSF are generally going and doing property and stuff like that. So they liquidate their shares because they are wanting to utilize the funds for brick and mortar purchase. It's not just, you know, share trading. The share trading generally becomes a secondary to it as they can't stand.\n\nYeah. If if the outcome is to get away from Hub twenty four, it it it would basically be a sell. No. No. I know.\n\nNo. You're so fine. I understand. I know you're not. It's why I, like, con kinda flagged with me, and I was like, hey.\n\nHow about I'm I'll I'm gonna jump on the phone and kind of have a chat. Like, there's only so much I can convey over email back and forwards that a five minute chat might be a bit quicker than everything else. Yeah. Exactly. Yep.\n\nAbsolutely. And I've still got the meeting time booked in our calendars for Monday. So if you wanna chat then, just I'll keep it. I'll give you a call. Yeah.\n\nCool. No stress. Thanks, Glenn. Bye.","paragraphs":[{"sentences":[{"text":"How's that?","start":2.6399999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.053592657670378685},{"text":"Amazing.","start":7.8399997,"end":8.34,"sentiment":"positive","sentiment_score":0.7021139860153198},{"text":"So just to let you know, new call, it is recorded.","start":9.28,"end":11.54,"sentiment":"neutral","sentiment_score":0.2549838396635922},{"text":"So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account.","start":13.665,"end":35.5,"sentiment":"neutral","sentiment_score":0.15722218316559697},{"text":"So that way, you're not having to sell any of those assets.","start":35.56,"end":38.12,"sentiment":"neutral","sentiment_score":0.19780909332136312}],"sentiment":"neutral","sentiment_score":0.18189820777866747,"num_words":77,"start":2.6399999,"end":38.12},{"sentences":[{"text":"So you retain the cost base to those assets.","start":38.12,"end":41.18,"sentiment":"neutral","sentiment_score":0.2466233405801985},{"text":"It would still trigger a CGT event moving those funds across because you're changing the ownership structure, but you wouldn't lose the cost base.","start":42.555,"end":52.335,"sentiment":"neutral","sentiment_score":0.13271051226183772},{"text":"The other option that is available to you, depending on what you were gonna do with regards to, I guess, an investment platform, is you could sell everything down to cash, transfer it across to your chosen bank account or or platform, and then buy whatever assets you're looking to buy under that platform.","start":52.715,"end":72.82,"sentiment":"neutral","sentiment_score":0.07606282236951369},{"text":"They are essentially the two options that you kind of have available with moving the money over to an SMSF structure.","start":73.175,"end":80.475,"sentiment":"neutral","sentiment_score":0.11187112437827247},{"text":"Most platforms don't, to be honest.","start":91.11,"end":93.91,"sentiment":"neutral","sentiment_score":-0.05316542461514473}],"sentiment":"neutral","sentiment_score":0.10124873536589898,"num_words":114,"start":38.12,"end":93.91},{"sentences":[{"text":"Like, you just transfer out, and even, like, some do, like, allow you to transfer in and out, but it's generally within the same like, Hub twenty four will let you transfer within Hub twenty four, but they can't change yeah.","start":93.91,"end":110.535,"sentiment":"neutral","sentiment_score":-0.0024642186103070655},{"text":"They can't transfer it out of, like, Hub twenty four's trustee without basically selling it down and triggering a CGT event.","start":110.535,"end":121.87,"sentiment":"neutral","sentiment_score":-0.12603609707383884},{"text":"Yes.","start":157.895,"end":158.215,"sentiment":"neutral","sentiment_score":0.05627044290304184},{"text":"Yeah.","start":158.215,"end":158.715,"sentiment":"neutral","sentiment_score":0.03400836139917374},{"text":"And then that's, I guess, what I was mhmm.","start":158.775,"end":161.435,"sentiment":"neutral","sentiment_score":-0.07691153325140476}],"sentiment":"neutral","sentiment_score":-0.045886520500460715,"num_words":73,"start":93.91,"end":161.435},{"sentences":[{"text":"And and you could you could manage it yourself under Hub twenty four in the SMSF.","start":168.54001,"end":172.32,"sentiment":"neutral","sentiment_score":0.13546008337289095},{"text":"Like, you could do the trades and the buyers and everything like that yourself.","start":172.86,"end":175.76001,"sentiment":"neutral","sentiment_score":0.06877380782472235},{"text":"It would just be yeah.","start":177.41501,"end":180.615,"sentiment":"neutral","sentiment_score":0.03197427652776241},{"text":"It's just the the you still yeah.","start":180.615,"end":183.095,"sentiment":"neutral","sentiment_score":0.012736360941614424},{"text":"You're you're beholden to Hub twenty four's fees and stuff like that.","start":183.095,"end":187.115,"sentiment":"neutral","sentiment_score":0.01329750365888079}],"sentiment":"neutral","sentiment_score":0.06553315919720465,"num_words":54,"start":168.54001,"end":187.115},{"sentences":[{"text":"Yeah.","start":207.865,"end":208.26501,"sentiment":"neutral","sentiment_score":0.07839197665452957},{"text":"Yep.","start":208.26501,"end":208.76501,"sentiment":"neutral","sentiment_score":0.08884614706039429},{"text":"Because it's a because it's a change of ownership, it'll it'll trigger the CGT.","start":219.88,"end":224.3,"sentiment":"neutral","sentiment_score":-0.06662206032446452},{"text":"So even even if you, like, change the like, even if you wanna move like, we didn't have 24, move the funds from any platform, really.","start":225.64,"end":235.205,"sentiment":"neutral","sentiment_score":-0.04812089955577484},{"text":"If you change ownership, it triggers CGT.","start":235.205,"end":237.385,"sentiment":"neutral","sentiment_score":-0.07927899488380977}],"sentiment":"neutral","sentiment_score":-0.05248096068294681,"num_words":49,"start":207.865,"end":237.385},{"sentences":[{"text":"And I yes.","start":246.66,"end":249.08,"sentiment":"neutral","sentiment_score":0.16675430039564768},{"text":"I can calculate it for both of you.","start":249.38,"end":252.42,"sentiment":"neutral","sentiment_score":0.21345755830407143},{"text":"I mean, I can calculate and send it to you an email so that way it's not not you waiting for me to do the math.","start":252.42,"end":257.685,"sentiment":"neutral","sentiment_score":0.1096023262406771},{"text":"Cool.","start":262.305,"end":262.625,"sentiment":"positive","sentiment_score":0.45183703303337097},{"text":"Yeah.","start":262.625,"end":262.865,"sentiment":"positive","sentiment_score":0.35339662432670593}],"sentiment":"neutral","sentiment_score":0.15032865403172296,"num_words":39,"start":246.66,"end":262.865},{"sentences":[{"text":"I'll I'll do it I'll do it today, and I'll I'll send it through to to you for both of the accounts.","start":262.865,"end":267.525,"sentiment":"positive","sentiment_score":0.33365488661961124},{"text":"That way, you obviously have both of them.","start":268.305,"end":270.485,"sentiment":"neutral","sentiment_score":0.12248368095606565},{"text":"But, yeah, it'll obviously, that'll be a definite definite deciding factor for you.","start":271.39,"end":276.37003,"sentiment":"neutral","sentiment_score":0.17845651163504675},{"text":"I have to double check.","start":294.445,"end":295.645,"sentiment":"neutral","sentiment_score":-0.1690673977136612},{"text":"I don't believe it is so.","start":295.645,"end":299.41998,"sentiment":"neutral","sentiment_score":-0.2388417199254036}],"sentiment":"neutral","sentiment_score":0.15484859808175652,"num_words":54,"start":262.865,"end":299.41998},{"sentences":[{"text":"I have to I have to double check, like, who exactly it is.","start":303.56,"end":307.25998,"sentiment":"neutral","sentiment_score":-0.08526314451144291},{"text":"Yeah.","start":331.27,"end":331.77,"sentiment":"neutral","sentiment_score":-0.14137396216392517},{"text":"Yeah.","start":354.58,"end":355.08,"sentiment":"neutral","sentiment_score":-0.06548163294792175},{"text":"Yeah.","start":380.44998,"end":380.94998,"sentiment":"neutral","sentiment_score":-0.02728258445858955},{"text":"No.","start":381.16998,"end":381.40997,"sentiment":"neutral","sentiment_score":-0.10307881236076356}],"sentiment":"neutral","sentiment_score":-0.08503752179882106,"num_words":17,"start":303.56,"end":381.40997},{"sentences":[{"text":"And that's that's absolutely fair.","start":381.40997,"end":383.34998,"sentiment":"neutral","sentiment_score":-0.09600909799337387},{"text":"It is a change of ownership because currently, HUB24 owns it while you're, I guess, technically a beneficiary if you wanna kinda put it that way.","start":411.415,"end":420.155,"sentiment":"neutral","sentiment_score":0.030685207734887417},{"text":"Because the own the ownership of the shares is Hub twenty four and you're like, with your account, you're changing the full ownership over to the SMSF trustee owning it.","start":420.37,"end":431.11,"sentiment":"neutral","sentiment_score":0.03352350623657306},{"text":"Depends on no.","start":435.025,"end":438.48502,"sentiment":"neutral","sentiment_score":-0.04667960355679194},{"text":"Not at all.","start":438.785,"end":439.265,"sentiment":"neutral","sentiment_score":-0.09558553000291188}],"sentiment":"neutral","sentiment_score":0.013383279068034087,"num_words":67,"start":381.40997,"end":439.265},{"sentences":[{"text":"It just depends on what they're wanting their money for.","start":439.265,"end":441.765,"sentiment":"neutral","sentiment_score":-0.04588453471660614},{"text":"So a lot of people that move to an SMSF are generally going and doing property and stuff like that.","start":441.98502,"end":447.81998,"sentiment":"neutral","sentiment_score":-0.018992530833929776},{"text":"So they liquidate their shares because they are wanting to utilize the funds for brick and mortar purchase.","start":447.81998,"end":454.8,"sentiment":"neutral","sentiment_score":0.022215104351441067},{"text":"It's not just, you know, share trading.","start":455.41998,"end":457.09998,"sentiment":"neutral","sentiment_score":-0.009351817935696869},{"text":"The share trading generally becomes a secondary to it as they can't stand.","start":457.09998,"end":470.415,"sentiment":"neutral","sentiment_score":-0.06195822143210815}],"sentiment":"neutral","sentiment_score":-0.01926093661302944,"num_words":68,"start":439.265,"end":470.415},{"sentences":[{"text":"Yeah.","start":504.68,"end":505.15997,"sentiment":"neutral","sentiment_score":-0.10465231537818909},{"text":"If if the outcome is to get away from Hub twenty four, it it it would basically be a sell.","start":505.15997,"end":510.22,"sentiment":"negative","sentiment_score":-0.3467362061142921},{"text":"No.","start":527.23,"end":527.63,"sentiment":"neutral","sentiment_score":-0.1918529272079468},{"text":"No.","start":527.63,"end":527.87,"sentiment":"neutral","sentiment_score":-0.19452045857906344},{"text":"I know.","start":527.87,"end":528.27,"sentiment":"neutral","sentiment_score":-0.14955368638038635}],"sentiment":"neutral","sentiment_score":-0.3089942878484726,"num_words":25,"start":504.68,"end":528.27},{"sentences":[{"text":"No.","start":528.27,"end":528.43,"sentiment":"neutral","sentiment_score":-0.13665622472763062},{"text":"You're so fine.","start":528.43,"end":529.39,"sentiment":"neutral","sentiment_score":0.057012447932114206},{"text":"I understand.","start":529.39,"end":530.13,"sentiment":"neutral","sentiment_score":0.0708758793771267},{"text":"I know you're not.","start":530.59,"end":531.65,"sentiment":"neutral","sentiment_score":-0.08962870389223099},{"text":"It's why I, like, con kinda flagged with me, and I was like, hey.","start":532.03,"end":535.07,"sentiment":"neutral","sentiment_score":-0.14593629805105074}],"sentiment":"neutral","sentiment_score":-0.09272875460252787,"num_words":24,"start":528.27,"end":535.07},{"sentences":[{"text":"How about I'm I'll I'm gonna jump on the phone and kind of have a chat.","start":535.07,"end":538.37,"sentiment":"neutral","sentiment_score":-0.03784300573170185},{"text":"Like, there's only so much I can convey over email back and forwards that a five minute chat might be a bit quicker than everything else.","start":538.955,"end":546.895,"sentiment":"neutral","sentiment_score":-0.001342302868859126},{"text":"Yeah.","start":552.17,"end":552.67,"sentiment":"neutral","sentiment_score":0.028560496866703033},{"text":"Exactly.","start":552.88995,"end":553.38995,"sentiment":"neutral","sentiment_score":0.04765594005584717},{"text":"Yep.","start":564.02496,"end":564.52496,"sentiment":"neutral","sentiment_score":0.06977516412734985}],"sentiment":"neutral","sentiment_score":-0.010986585894392597,"num_words":45,"start":535.07,"end":564.52496},{"sentences":[{"text":"Absolutely.","start":594.355,"end":594.855,"sentiment":"neutral","sentiment_score":0.13894519209861755},{"text":"And I've still got the meeting time booked in our calendars for Monday.","start":594.915,"end":598.775,"sentiment":"neutral","sentiment_score":0.0950346107666309},{"text":"So if you wanna chat then, just I'll keep it.","start":598.835,"end":602.69,"sentiment":"neutral","sentiment_score":0.17277974486351014},{"text":"I'll give you a call.","start":602.69,"end":603.67004,"sentiment":"neutral","sentiment_score":0.1952722489833832},{"text":"Yeah.","start":613.3269,"end":613.6469,"sentiment":"neutral","sentiment_score":0.10709327459335329}],"sentiment":"neutral","sentiment_score":0.13952157000700632,"num_words":30,"start":594.355,"end":613.6469},{"sentences":[{"text":"Cool.","start":613.6469,"end":614.1269,"sentiment":"positive","sentiment_score":0.34773510694503784},{"text":"No stress.","start":614.1269,"end":614.86694,"sentiment":"neutral","sentiment_score":0.21029792726039886},{"text":"Thanks, Glenn.","start":616.5269,"end":617.5069,"sentiment":"positive","sentiment_score":0.7780894637107849},{"text":"Bye.","start":619.3269,"end":619.8269,"sentiment":"neutral","sentiment_score":-0.08867315202951431}],"sentiment":"positive","sentiment_score":0.37263945614298183,"num_words":6,"start":613.6469,"end":619.8269}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. That's it. It's better if it continues. So all good. So they're making it so and is that just Hub 24? Because seems odd that you can't transfer to another platform. Yeah. But I don't wanna use that phone. So Well, that's that's ridiculous. I'll have to I'll have to just check with Sean and see that yeah. Obviously, the idea of going to a self managed super fund is that I control it myself and I don't have to, you know, like, worry about the cost basis of trades and things like that. So in regards to management fees and that they go on within twenty four, etcetera. So I don't I don't I don't yeah. I don't necessarily need any ongoing financial advice or anything like that. It's it's yeah. Yeah. But I still have to pay $25 a trade. Yep. Which yeah. That yeah. That's that's sort of like a backward platform from from my experience. So yeah. Righto. Well, that's that's trying to curve. Well, I mean, myself, many super funds already set up. Cash Macquarie Cash account already set up. Stake account already go. It's literally just a matter of transferring them out. So but I don't really wanna trigger a CGT event. Okay. And do we know what that looks like? Yeah. Yeah. Yeah. That's fine. Is that yeah. No. You don't need to do it right now. That's that's fine. Yeah. You sort of you yeah. You sort of down to it. Even if even though the we're directors and that of the seems a bit strange. Is the back end of hub, is it, like, test registered or sponsoring like that? Right. Yeah. So I'll get conflicting information like Sean saying it shouldn't be a drama to move it to pretty much any platform. But I understand exactly what you're saying in regards to change of ownership in terms of whatever. I'm just trying to think. It seems like they've got you by the I shouldn't say the terminology by the balls, so to speak, because you can't you know, what you're telling me makes sense, but it seems ridiculous when it's your own super money that you can't transfer it where you like. Responsible for that, not so much the individual shareholdings. So interesting. Yeah. Well, I don't wanna leave it within half 24. That's the whole issue, I think. Yeah. We wanna take control and take control myself so we can use it for other things besides shares and stuff like that. But I don't yeah. You can pay $3 for I mean, I've done a diploma in share trading. So like and stuff like that. So I don't need the back end stuff. It's just they don't wanna pay $20.20 something dollars for a trade every time we trade. So because it's probably yeah. Yeah. Yeah. It's just yeah. It's weird. Alright. Well, yeah, if you can just find out the CDT, I'll check with Sean. I might even find out from stake and see what they say. Technically, they're still in our names, both being directed. It's literally just a name change. It's not a change of ownership. So Mhmm. What do other people do in in this respect? Because I couldn't be the first person who's traded out of the Hub 20 five. Yeah. Yeah. Yeah. Yeah. Of course. Yeah. Well, that's what it'll it'll eventually be. Yeah. But I just I'm not I'm not ready for it now. I don't really wanna give up my positions And draw. Yeah. A bit like there's a lot that we I'd say decent CGT on, so I don't really wanna draw down on them as such. But I might let you just run the figures, and then I guess yeah. I think we'll just do that, Marissa. Maybe just run the run the figures. I'll talk to Sean, see if I can find out anything else or if there's another way of doing it, which doesn't sound like there is. But Yeah. Well, this information might have been handy before I spent $3 on a self managed super fund. But I thought, yeah, I was gonna be understanding it would be okay. So that's fine. It's not your problem. I'm I'm just speaking out loud. Yeah. No. I appreciate that. Yeah. Yeah. Yeah. Yeah. Yeah. I'm with you. Yeah. Obviously, that's my job exactly. I just go I don't text them. We just ring them, get an outcome. Yeah. Go backwards and forwards for weeks. Yeah. So I'll I'll check with Sean. We'll do that, hey, if that's okay with you, Lewis. So we'll just double check and see what that works out as. I mean, I I guess I could always cash it out and then go, well, let's just do a total rebalance or whatever or holding review, which I've already done. So yeah. Although, probably not a great year to do a CGT. That's for sure. Anyhoo, let's do that. I won't hold you up, and I'll I'll revert back once we once we get to the crux of it. Oh, yep. Yeah. Perfect. Yeah. Cool. Yeah. Yeah. If anything progresses at my end, I'll I'll just flick you an email. But if not, yeah, I'll may you just keep that live? That'd be great for the time being, and then I'll revert back. Okay. Alright. Thanks, Larissa. Cheers. 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Yeah. That's it. It's better if it continues. So all good.\n\nSo they're making it so and is that just Hub 24? Because seems odd that you can't transfer to another platform. Yeah. But I don't wanna use that phone. So Well, that's that's ridiculous.\n\nI'll have to I'll have to just check with Sean and see that yeah. Obviously, the idea of going to a self managed super fund is that I control it myself and I don't have to, you know, like, worry about the cost basis of trades and things like that. So in regards to management fees and that they go on within twenty four, etcetera. So I don't I don't I don't yeah. I don't necessarily need any ongoing financial advice or anything like that.\n\nIt's it's yeah. Yeah. But I still have to pay $25 a trade. Yep. Which yeah.\n\nThat yeah. That's that's sort of like a backward platform from from my experience. So yeah. Righto. Well, that's that's trying to curve.\n\nWell, I mean, myself, many super funds already set up. Cash Macquarie Cash account already set up. Stake account already go. It's literally just a matter of transferring them out. So but I don't really wanna trigger a CGT event.\n\nOkay. And do we know what that looks like? Yeah. Yeah. Yeah.\n\nThat's fine. Is that yeah. No. You don't need to do it right now. That's that's fine.\n\nYeah. You sort of you yeah. You sort of down to it. Even if even though the we're directors and that of the seems a bit strange. Is the back end of hub, is it, like, test registered or sponsoring like that?\n\nRight. Yeah. So I'll get conflicting information like Sean saying it shouldn't be a drama to move it to pretty much any platform. But I understand exactly what you're saying in regards to change of ownership in terms of whatever. I'm just trying to think.\n\nIt seems like they've got you by the I shouldn't say the terminology by the balls, so to speak, because you can't you know, what you're telling me makes sense, but it seems ridiculous when it's your own super money that you can't transfer it where you like. Responsible for that, not so much the individual shareholdings. So interesting. Yeah. Well, I don't wanna leave it within half 24.\n\nThat's the whole issue, I think. Yeah. We wanna take control and take control myself so we can use it for other things besides shares and stuff like that. But I don't yeah. You can pay $3 for I mean, I've done a diploma in share trading.\n\nSo like and stuff like that. So I don't need the back end stuff. It's just they don't wanna pay $20.20 something dollars for a trade every time we trade. So because it's probably yeah. Yeah.\n\nYeah. It's just yeah. It's weird. Alright. Well, yeah, if you can just find out the CDT, I'll check with Sean.\n\nI might even find out from stake and see what they say. Technically, they're still in our names, both being directed. It's literally just a name change. It's not a change of ownership. So Mhmm.\n\nWhat do other people do in in this respect? Because I couldn't be the first person who's traded out of the Hub 20 five. Yeah. Yeah. Yeah.\n\nYeah. Of course. Yeah. Well, that's what it'll it'll eventually be. Yeah.\n\nBut I just I'm not I'm not ready for it now. I don't really wanna give up my positions And draw. Yeah. A bit like there's a lot that we I'd say decent CGT on, so I don't really wanna draw down on them as such. But I might let you just run the figures, and then I guess yeah.\n\nI think we'll just do that, Marissa. Maybe just run the run the figures. I'll talk to Sean, see if I can find out anything else or if there's another way of doing it, which doesn't sound like there is. But Yeah. Well, this information might have been handy before I spent $3 on a self managed super fund.\n\nBut I thought, yeah, I was gonna be understanding it would be okay. So that's fine. It's not your problem. I'm I'm just speaking out loud. Yeah.\n\nNo. I appreciate that. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I'm with you. Yeah. Obviously, that's my job exactly.\n\nI just go I don't text them. We just ring them, get an outcome. Yeah. Go backwards and forwards for weeks. Yeah.\n\nSo I'll I'll check with Sean. We'll do that, hey, if that's okay with you, Lewis. So we'll just double check and see what that works out as. I mean, I I guess I could always cash it out and then go, well, let's just do a total rebalance or whatever or holding review, which I've already done. So yeah.\n\nAlthough, probably not a great year to do a CGT. That's for sure. Anyhoo, let's do that. I won't hold you up, and I'll I'll revert back once we once we get to the crux of it. Oh, yep.\n\nYeah. Perfect. Yeah. Cool. Yeah.\n\nYeah. If anything progresses at my end, I'll I'll just flick you an email. But if not, yeah, I'll may you just keep that live? That'd be great for the time being, and then I'll revert back. Okay.\n\nAlright. Thanks, Larissa. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.017598956823349},{"text":"Yeah.","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.1054648831486702},{"text":"That's it.","start":4.08,"end":4.4399996,"sentiment":"neutral","sentiment_score":0.1378793716430664},{"text":"It's better if it continues.","start":4.4399996,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2589253604412079},{"text":"So all good.","start":6.96,"end":12.98,"sentiment":"positive","sentiment_score":0.6491784056027731}],"sentiment":"neutral","sentiment_score":0.3034153835227092,"num_words":12,"start":1.04,"end":12.98},{"sentences":[{"text":"So they're making it so and is that just Hub 24?","start":81.755,"end":86.155,"sentiment":"neutral","sentiment_score":0.05401863462545655},{"text":"Because seems odd that you can't transfer to another platform.","start":86.155,"end":89.79,"sentiment":"neutral","sentiment_score":-0.10657070875167847},{"text":"Yeah.","start":107.615005,"end":107.775,"sentiment":"neutral","sentiment_score":-0.05981745198369026},{"text":"But I don't wanna use that phone.","start":107.775,"end":109.135,"sentiment":"neutral","sentiment_score":-0.21499485416071756},{"text":"So Well, that's that's ridiculous.","start":109.135,"end":128.16,"sentiment":"negative","sentiment_score":-0.4489641025662422}],"sentiment":"neutral","sentiment_score":-0.12591482501696138,"num_words":34,"start":81.755,"end":128.16},{"sentences":[{"text":"I'll have to I'll have to just check with Sean and see that yeah.","start":133.265,"end":138.545,"sentiment":"neutral","sentiment_score":-0.10517953761986323},{"text":"Obviously, the idea of going to a self managed super fund is that I control it myself and I don't have to, you know, like, worry about the cost basis of trades and things like that.","start":138.545,"end":149.62,"sentiment":"neutral","sentiment_score":0.05222331494506863},{"text":"So in regards to management fees and that they go on within twenty four, etcetera.","start":149.62,"end":157.08,"sentiment":"neutral","sentiment_score":0.011142716184258461},{"text":"So I don't I don't I don't yeah.","start":158.995,"end":161.335,"sentiment":"neutral","sentiment_score":-0.09939243597909808},{"text":"I don't necessarily need any ongoing financial advice or anything like that.","start":161.395,"end":165.975,"sentiment":"neutral","sentiment_score":-0.1147125568240881}],"sentiment":"neutral","sentiment_score":-0.018788513124865645,"num_words":85,"start":133.265,"end":165.975},{"sentences":[{"text":"It's it's yeah.","start":166.275,"end":168.625,"sentiment":"neutral","sentiment_score":0.07516542449593544},{"text":"Yeah.","start":177.37999,"end":177.54,"sentiment":"neutral","sentiment_score":0.03390200436115265},{"text":"But I still have to pay $25 a trade.","start":177.54,"end":179.8,"sentiment":"neutral","sentiment_score":0.026351853791210387},{"text":"Yep.","start":186.18,"end":186.68,"sentiment":"neutral","sentiment_score":0.000864235102199018},{"text":"Which yeah.","start":187.175,"end":188.375,"sentiment":"neutral","sentiment_score":0.019415026530623436}],"sentiment":"neutral","sentiment_score":0.033516203133331146,"num_words":16,"start":166.275,"end":188.375},{"sentences":[{"text":"That yeah.","start":188.375,"end":189.495,"sentiment":"neutral","sentiment_score":0.02503078617155552},{"text":"That's that's sort of like a backward platform from from my experience.","start":189.495,"end":193.83499,"sentiment":"neutral","sentiment_score":-0.006092255255983521},{"text":"So yeah.","start":194.295,"end":198.455,"sentiment":"neutral","sentiment_score":0.03376368246972561},{"text":"Righto.","start":198.455,"end":198.955,"sentiment":"neutral","sentiment_score":0.04604053497314453},{"text":"Well, that's that's trying to curve.","start":199.735,"end":202.20999,"sentiment":"neutral","sentiment_score":-0.01548550712565581}],"sentiment":"neutral","sentiment_score":-0.00010394059000131877,"num_words":23,"start":188.375,"end":202.20999},{"sentences":[{"text":"Well, I mean, myself, many super funds already set up.","start":202.20999,"end":205.33,"sentiment":"neutral","sentiment_score":0.05407370273023844},{"text":"Cash Macquarie Cash account already set up.","start":205.33,"end":208.06999,"sentiment":"neutral","sentiment_score":0.06463485956192017},{"text":"Stake account already go.","start":209.33,"end":210.69,"sentiment":"neutral","sentiment_score":0.08453856129199266},{"text":"It's literally just a matter of transferring them out.","start":210.69,"end":213.09,"sentiment":"neutral","sentiment_score":0.03907890866200129},{"text":"So but I don't really wanna trigger a CGT event.","start":213.09,"end":217.645,"sentiment":"neutral","sentiment_score":-0.14708890132606028}],"sentiment":"neutral","sentiment_score":0.005303911352530122,"num_words":40,"start":202.20999,"end":217.645},{"sentences":[{"text":"Okay.","start":239.73,"end":240.23,"sentiment":"neutral","sentiment_score":0.03993961960077286},{"text":"And do we know what that looks like?","start":244.705,"end":246.485,"sentiment":"neutral","sentiment_score":0.07845914084464312},{"text":"Yeah.","start":254.945,"end":255.105,"sentiment":"neutral","sentiment_score":0.11411013454198836},{"text":"Yeah.","start":255.105,"end":255.345,"sentiment":"neutral","sentiment_score":0.1112978458404541},{"text":"Yeah.","start":255.345,"end":255.745,"sentiment":"neutral","sentiment_score":0.0945691242814064}],"sentiment":"neutral","sentiment_score":0.08229915425181389,"num_words":12,"start":239.73,"end":255.745},{"sentences":[{"text":"That's fine.","start":255.745,"end":256.53,"sentiment":"neutral","sentiment_score":0.025659043341875076},{"text":"Is that yeah.","start":256.53,"end":258.77,"sentiment":"neutral","sentiment_score":0.0414197693268458},{"text":"No.","start":258.77,"end":259.00998,"sentiment":"neutral","sentiment_score":-0.016499336808919907},{"text":"You don't need to do it right now.","start":259.00998,"end":260.21,"sentiment":"neutral","sentiment_score":-0.07863304857164621},{"text":"That's that's fine.","start":260.21,"end":261.27,"sentiment":"neutral","sentiment_score":0.2570520341396332}],"sentiment":"neutral","sentiment_score":0.01771586892359397,"num_words":17,"start":255.745,"end":261.27},{"sentences":[{"text":"Yeah.","start":268.12997,"end":268.62997,"sentiment":"neutral","sentiment_score":0.10643170773983002},{"text":"You sort of you yeah.","start":275.76498,"end":277.205,"sentiment":"neutral","sentiment_score":0.020801942050457},{"text":"You sort of down to it.","start":277.205,"end":278.805,"sentiment":"neutral","sentiment_score":-0.01724711370964845},{"text":"Even if even though the we're directors and that of the seems a bit strange.","start":278.805,"end":284.24,"sentiment":"neutral","sentiment_score":-0.11687369644641876},{"text":"Is the back end of hub, is it, like, test registered or sponsoring like that?","start":287.02,"end":292.4,"sentiment":"neutral","sentiment_score":-0.038848700436453026}],"sentiment":"neutral","sentiment_score":-0.0530685051787822,"num_words":42,"start":268.12997,"end":292.4},{"sentences":[{"text":"Right.","start":300.05502,"end":300.55502,"sentiment":"neutral","sentiment_score":-0.07403150200843811},{"text":"Yeah.","start":308.61002,"end":308.93,"sentiment":"neutral","sentiment_score":-0.04604296386241913},{"text":"So I'll get conflicting information like Sean saying it shouldn't be a drama to move it to pretty much any platform.","start":308.93,"end":316.55002,"sentiment":"neutral","sentiment_score":-0.14757290411563145},{"text":"But I understand exactly what you're saying in regards to change of ownership in terms of whatever.","start":318.29,"end":324.17502,"sentiment":"neutral","sentiment_score":-0.10929479143198799},{"text":"I'm just trying to think.","start":324.17502,"end":325.475,"sentiment":"neutral","sentiment_score":-0.08332843482494354}],"sentiment":"neutral","sentiment_score":-0.12208353512816959,"num_words":45,"start":300.05502,"end":325.475},{"sentences":[{"text":"It seems like they've got you by the I shouldn't say the terminology by the balls, so to speak, because you can't you know, what you're telling me makes sense, but it seems ridiculous when it's your own super money that you can't transfer it where you like.","start":325.855,"end":337.68,"sentiment":"neutral","sentiment_score":-0.29907306904594105},{"text":"Responsible for that, not so much the individual shareholdings.","start":337.68,"end":346.97998,"sentiment":"neutral","sentiment_score":-0.2670319394932853},{"text":"So interesting.","start":347.36,"end":350.18,"sentiment":"neutral","sentiment_score":-0.14273210242390633},{"text":"Yeah.","start":350.47998,"end":350.72,"sentiment":"neutral","sentiment_score":-0.1072867512702942},{"text":"Well, I don't wanna leave it within half 24.","start":350.72,"end":352.56,"sentiment":"neutral","sentiment_score":-0.255778431892395}],"sentiment":"neutral","sentiment_score":-0.2819355306202087,"num_words":69,"start":325.855,"end":352.56},{"sentences":[{"text":"That's the whole issue, I think.","start":352.56,"end":354.125,"sentiment":"neutral","sentiment_score":-0.21532598634560904},{"text":"Yeah.","start":355.705,"end":355.94498,"sentiment":"neutral","sentiment_score":-0.03723840415477753},{"text":"We wanna take control and take control myself so we can use it for other things besides shares and stuff like that.","start":355.94498,"end":361.145,"sentiment":"neutral","sentiment_score":0.006324777040969242},{"text":"But I don't yeah.","start":361.145,"end":363.32498,"sentiment":"neutral","sentiment_score":-0.14120112359523773},{"text":"You can pay $3 for I mean, I've done a diploma in share trading.","start":363.465,"end":367.465,"sentiment":"neutral","sentiment_score":-0.1302682517894677}],"sentiment":"neutral","sentiment_score":-0.07614062227150227,"num_words":47,"start":352.56,"end":367.465},{"sentences":[{"text":"So like and stuff like that.","start":367.465,"end":371.71002,"sentiment":"neutral","sentiment_score":-0.1622214118639628},{"text":"So I don't need the back end stuff.","start":371.71002,"end":375.15002,"sentiment":"neutral","sentiment_score":-0.19831904955208302},{"text":"It's just they don't wanna pay $20.20 something dollars for a trade every time we trade.","start":375.15002,"end":379.73,"sentiment":"neutral","sentiment_score":-0.1839826162904501},{"text":"So because it's probably yeah.","start":379.95,"end":383.57,"sentiment":"neutral","sentiment_score":-0.05917080640792847},{"text":"Yeah.","start":383.975,"end":384.475,"sentiment":"neutral","sentiment_score":-0.03415752202272415}],"sentiment":"neutral","sentiment_score":-0.16204484117527804,"num_words":36,"start":367.465,"end":384.475},{"sentences":[{"text":"Yeah.","start":384.615,"end":384.775,"sentiment":"neutral","sentiment_score":-0.07033082097768784},{"text":"It's just yeah.","start":384.775,"end":389.815,"sentiment":"neutral","sentiment_score":-0.13571496804555258},{"text":"It's weird.","start":389.815,"end":390.535,"sentiment":"neutral","sentiment_score":-0.24779460579156876},{"text":"Alright.","start":390.535,"end":390.935,"sentiment":"neutral","sentiment_score":-0.012760059908032416},{"text":"Well, yeah, if you can just find out the CDT, I'll check with Sean.","start":390.935,"end":394.635,"sentiment":"neutral","sentiment_score":0.026944395686898912}],"sentiment":"neutral","sentiment_score":-0.02898111699947289,"num_words":21,"start":384.615,"end":394.635},{"sentences":[{"text":"I might even find out from stake and see what they say.","start":395.575,"end":399.115,"sentiment":"neutral","sentiment_score":0.0359051413834095},{"text":"Technically, they're still in our names, both being directed.","start":400.88,"end":405.78,"sentiment":"neutral","sentiment_score":-0.009361668748574125},{"text":"It's literally just a name change.","start":405.84,"end":407.12,"sentiment":"neutral","sentiment_score":-0.003123458882328123},{"text":"It's not a change of ownership.","start":407.12,"end":408.82,"sentiment":"neutral","sentiment_score":-0.04878524628778299},{"text":"So Mhmm.","start":409.19998,"end":410.97998,"sentiment":"neutral","sentiment_score":-0.0029160892590880385}],"sentiment":"neutral","sentiment_score":0.0008377790949972612,"num_words":35,"start":395.575,"end":410.97998},{"sentences":[{"text":"What do other people do in in this respect?","start":431.58,"end":434.0,"sentiment":"neutral","sentiment_score":-0.003896860819723871},{"text":"Because I couldn't be the first person who's traded out of the Hub 20 five.","start":434.06,"end":438.63998,"sentiment":"neutral","sentiment_score":-0.05262075637777646},{"text":"Yeah.","start":457.94998,"end":458.18997,"sentiment":"neutral","sentiment_score":0.013642112724483011},{"text":"Yeah.","start":458.18997,"end":458.66998,"sentiment":"neutral","sentiment_score":0.018342427909374237},{"text":"Yeah.","start":458.66998,"end":458.90997,"sentiment":"neutral","sentiment_score":0.016360782086849213}],"sentiment":"neutral","sentiment_score":-0.028742139641609456,"num_words":27,"start":431.58,"end":458.90997},{"sentences":[{"text":"Yeah.","start":458.90997,"end":459.15,"sentiment":"neutral","sentiment_score":0.015843838453292847},{"text":"Of course.","start":459.15,"end":459.81,"sentiment":"neutral","sentiment_score":0.0030235499143600464},{"text":"Yeah.","start":461.06998,"end":461.38998,"sentiment":"neutral","sentiment_score":0.023825742304325104},{"text":"Well, that's what it'll it'll eventually be.","start":461.38998,"end":463.38998,"sentiment":"neutral","sentiment_score":0.032281502549137385},{"text":"Yeah.","start":463.38998,"end":463.71,"sentiment":"neutral","sentiment_score":-0.020206350833177567}],"sentiment":"neutral","sentiment_score":0.02095673729976018,"num_words":12,"start":458.90997,"end":463.71},{"sentences":[{"text":"But I just I'm not I'm not ready for it now.","start":463.71,"end":465.62997,"sentiment":"neutral","sentiment_score":-0.2872342819517309},{"text":"I don't really wanna give up my positions And draw.","start":465.62997,"end":470.415,"sentiment":"neutral","sentiment_score":-0.29972129836678507},{"text":"Yeah.","start":470.95502,"end":471.27502,"sentiment":"neutral","sentiment_score":-0.09737350046634674},{"text":"A bit like there's a lot that we I'd say decent CGT on, so I don't really wanna draw down on them as such.","start":471.27502,"end":477.93503,"sentiment":"neutral","sentiment_score":-0.13591703834633032},{"text":"But I might let you just run the figures, and then I guess yeah.","start":480.635,"end":487.34998,"sentiment":"neutral","sentiment_score":-0.024011092925710336}],"sentiment":"neutral","sentiment_score":-0.1642054634479185,"num_words":60,"start":463.71,"end":487.34998},{"sentences":[{"text":"I think we'll just do that, Marissa.","start":487.34998,"end":488.87,"sentiment":"neutral","sentiment_score":0.006476464415235179},{"text":"Maybe just run the run the figures.","start":488.87,"end":490.97,"sentiment":"neutral","sentiment_score":0.009221397340297699},{"text":"I'll talk to Sean, see if I can find out anything else or if there's another way of doing it, which doesn't sound like there is.","start":491.11,"end":500.145,"sentiment":"neutral","sentiment_score":-0.03807546924172829},{"text":"But Yeah.","start":500.145,"end":513.4,"sentiment":"neutral","sentiment_score":-0.023435350507497787},{"text":"Well, this information might have been handy before I spent $3 on a self managed super fund.","start":513.4,"end":520.38,"sentiment":"neutral","sentiment_score":0.01934771195930593}],"sentiment":"neutral","sentiment_score":-0.010136216367847459,"num_words":59,"start":487.34998,"end":520.38},{"sentences":[{"text":"But I thought, yeah, I was gonna be understanding it would be okay.","start":521.32,"end":523.96,"sentiment":"neutral","sentiment_score":0.14588561596778724},{"text":"So that's fine.","start":523.96,"end":525.24,"sentiment":"positive","sentiment_score":0.33711427450180054},{"text":"It's not your problem.","start":525.24,"end":526.12,"sentiment":"neutral","sentiment_score":0.2929464094340801},{"text":"I'm I'm just speaking out loud.","start":526.12,"end":527.58,"sentiment":"neutral","sentiment_score":-0.01806834797995786},{"text":"Yeah.","start":537.715,"end":538.03503,"sentiment":"neutral","sentiment_score":-0.02194124087691307}],"sentiment":"neutral","sentiment_score":0.14627000518764058,"num_words":27,"start":521.32,"end":538.03503},{"sentences":[{"text":"No.","start":538.03503,"end":538.275,"sentiment":"neutral","sentiment_score":-0.08738451451063156},{"text":"I appreciate that.","start":538.275,"end":539.075,"sentiment":"neutral","sentiment_score":0.13370012243588766},{"text":"Yeah.","start":539.075,"end":539.315,"sentiment":"neutral","sentiment_score":0.1306861937046051},{"text":"Yeah.","start":539.315,"end":539.73,"sentiment":"neutral","sentiment_score":0.022333547472953796},{"text":"Yeah.","start":543.81,"end":544.31,"sentiment":"neutral","sentiment_score":-0.00011815689504146576}],"sentiment":"neutral","sentiment_score":0.06665963386850697,"num_words":7,"start":538.03503,"end":544.31},{"sentences":[{"text":"Yeah.","start":545.64996,"end":545.81,"sentiment":"neutral","sentiment_score":-0.020015951246023175},{"text":"Yeah.","start":545.81,"end":546.05,"sentiment":"neutral","sentiment_score":-0.009374028071761131},{"text":"I'm with you.","start":546.05,"end":547.02997,"sentiment":"neutral","sentiment_score":0.0012325430288910866},{"text":"Yeah.","start":547.17,"end":547.49,"sentiment":"neutral","sentiment_score":0.03202570229768753},{"text":"Obviously, that's my job exactly.","start":547.49,"end":549.08997,"sentiment":"neutral","sentiment_score":0.02585984282195568}],"sentiment":"neutral","sentiment_score":0.012330233288759535,"num_words":11,"start":545.64996,"end":549.08997},{"sentences":[{"text":"I just go I don't text them.","start":549.08997,"end":550.85,"sentiment":"neutral","sentiment_score":0.0039659493735858375},{"text":"We just ring them, get an outcome.","start":550.85,"end":552.47,"sentiment":"neutral","sentiment_score":-0.005129456520080566},{"text":"Yeah.","start":554.205,"end":554.445,"sentiment":"neutral","sentiment_score":0.017705513164401054},{"text":"Go backwards and forwards for weeks.","start":554.445,"end":556.125,"sentiment":"neutral","sentiment_score":-0.0037983174746235213},{"text":"Yeah.","start":556.125,"end":556.36505,"sentiment":"neutral","sentiment_score":0.07749341428279877}],"sentiment":"neutral","sentiment_score":0.0029211123897270722,"num_words":22,"start":549.08997,"end":556.36505},{"sentences":[{"text":"So I'll I'll check with Sean.","start":556.36505,"end":558.525,"sentiment":"neutral","sentiment_score":0.07872872302929561},{"text":"We'll do that, hey, if that's okay with you, Lewis.","start":558.525,"end":560.525,"sentiment":"neutral","sentiment_score":0.14584032371640204},{"text":"So we'll just double check and see what that works out as.","start":560.525,"end":563.34503,"sentiment":"neutral","sentiment_score":0.10797960963100195},{"text":"I mean, I I guess I could always cash it out and then go, well, let's just do a total rebalance or whatever or holding review, which I've already done.","start":564.205,"end":575.38,"sentiment":"neutral","sentiment_score":0.03931294440602263},{"text":"So yeah.","start":576.24,"end":578.58,"sentiment":"neutral","sentiment_score":0.003390628844499588}],"sentiment":"neutral","sentiment_score":0.07354500801302492,"num_words":60,"start":556.36505,"end":578.58},{"sentences":[{"text":"Although, probably not a great year to do a CGT.","start":579.28,"end":582.74,"sentiment":"neutral","sentiment_score":-0.19961238652467728},{"text":"That's for sure.","start":582.96,"end":583.995,"sentiment":"neutral","sentiment_score":-0.06970318034291267},{"text":"Anyhoo, let's do that.","start":584.875,"end":586.075,"sentiment":"neutral","sentiment_score":0.017447261605411768},{"text":"I won't hold you up, and I'll I'll revert back once we once we get to the crux of it.","start":586.075,"end":593.775,"sentiment":"neutral","sentiment_score":-0.09603135958313942},{"text":"Oh, yep.","start":597.835,"end":598.495,"sentiment":"neutral","sentiment_score":0.12308771908283234}],"sentiment":"neutral","sentiment_score":-0.0976896439320766,"num_words":39,"start":579.28,"end":598.495},{"sentences":[{"text":"Yeah.","start":599.36,"end":599.52,"sentiment":"neutral","sentiment_score":0.1716649830341339},{"text":"Perfect.","start":599.52,"end":600.02,"sentiment":"positive","sentiment_score":0.35758358240127563},{"text":"Yeah.","start":602.64,"end":602.88,"sentiment":"neutral","sentiment_score":0.1491205096244812},{"text":"Cool.","start":602.88,"end":603.38,"sentiment":"neutral","sentiment_score":0.29175108671188354},{"text":"Yeah.","start":603.92,"end":604.24,"sentiment":"neutral","sentiment_score":0.10511450469493866}],"sentiment":"neutral","sentiment_score":0.2150469332933426,"num_words":5,"start":599.36,"end":604.24},{"sentences":[{"text":"Yeah.","start":604.24,"end":604.48,"sentiment":"neutral","sentiment_score":0.10683469474315643},{"text":"If anything progresses at my end, I'll I'll just flick you an email.","start":604.48,"end":607.52,"sentiment":"neutral","sentiment_score":0.11536121769593312},{"text":"But if not, yeah, I'll may you just keep that live?","start":607.52,"end":609.76,"sentiment":"neutral","sentiment_score":0.07629247229884971},{"text":"That'd be great for the time being, and then I'll revert back.","start":609.76,"end":613.9469,"sentiment":"neutral","sentiment_score":0.2870716427763303},{"text":"Okay.","start":614.6869,"end":615.16693,"sentiment":"neutral","sentiment_score":0.23583513498306272}],"sentiment":"neutral","sentiment_score":0.16122217285201737,"num_words":38,"start":604.24,"end":615.16693},{"sentences":[{"text":"Alright.","start":615.16693,"end":615.66693,"sentiment":"positive","sentiment_score":0.352287620306015},{"text":"Thanks, Larissa.","start":617.5669,"end":618.5269,"sentiment":"positive","sentiment_score":0.7684787511825562},{"text":"Cheers.","start":618.5269,"end":618.8469,"sentiment":"positive","sentiment_score":0.7801946401596069},{"text":"Bye.","start":618.8469,"end":619.3469,"sentiment":"positive","sentiment_score":0.4924928545951843}],"sentiment":"positive","sentiment_score":0.6323865234851838,"num_words":5,"start":615.16693,"end":619.3469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: How's that?\n\nChannel 1: Yeah. That's it. It's better if it continues. So\n\nChannel 0: Amazing. So just to let you know, new call, it is recorded.\n\nChannel 1: all good.\n\nChannel 0: So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account. So that way, you're not having to sell any of those assets. So you retain the cost base to those assets. It would still trigger a CGT event moving those funds across because you're changing the ownership structure, but you wouldn't lose the cost base. The other option that is available to you, depending on what you were gonna do with regards to, I guess, an investment platform, is you could sell everything down to cash, transfer it across to your chosen bank account or or platform, and then buy whatever assets you're looking to buy under that platform.\n\nThey are essentially the two options that you kind of have available with moving the money over to an SMSF structure.\n\nChannel 1: So they're making it so and is that just Hub 24? Because seems odd that you can't transfer to another platform.\n\nChannel 0: Most platforms don't, to be honest. Like, you just transfer out, and even, like, some do, like, allow you to transfer in and out, but it's generally within the same like, Hub twenty four will let you transfer within Hub twenty four, but they can't\n\nChannel 1: Yeah. But I don't wanna use\n\nChannel 0: change\n\nChannel 1: that phone. So\n\nChannel 0: yeah. They can't transfer it out of, like, Hub twenty four's trustee without basically selling it down and triggering a CGT event.\n\nChannel 1: Well, that's that's ridiculous. I'll have to I'll have to just check with Sean and see that yeah. Obviously, the idea of going to a self managed super fund is that I control it myself and I don't have to, you know, like, worry about the cost basis of trades and things like that. So in regards to management fees and that they go on within twenty four, etcetera.\n\nChannel 0: Yes. Yeah. And then\n\nChannel 1: So\n\nChannel 0: that's,\n\nChannel 1: I don't\n\nChannel 0: I guess,\n\nChannel 1: I don't\n\nChannel 0: what\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: was\n\nChannel 1: yeah.\n\nChannel 0: mhmm.\n\nChannel 1: I don't necessarily need any ongoing financial advice or anything like that. It's it's yeah.\n\nChannel 0: And and you could you could manage it yourself under Hub twenty four in the SMSF. Like, you could do the trades and the buyers and everything like that yourself.\n\nChannel 1: Yeah.\n\nChannel 0: It\n\nChannel 1: But I\n\nChannel 0: would\n\nChannel 1: still\n\nChannel 0: just\n\nChannel 1: have\n\nChannel 0: be\n\nChannel 1: to pay $25 a trade.\n\nChannel 0: yeah. It's just the the you still yeah. You're you're beholden to Hub twenty four's fees and\n\nChannel 1: Yep.\n\nChannel 0: stuff like that.\n\nChannel 1: Which yeah. That yeah. That's that's sort of like a backward platform from from my experience. So yeah. Righto.\n\nWell, that's that's trying to curve. Well, I mean, myself, many super funds already set up. Cash Macquarie Cash account already set up.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Stake account already go. It's literally just a matter of transferring them out. So but I don't really wanna trigger a CGT event.\n\nChannel 0: Because it's a because it's a change of ownership, it'll it'll trigger the CGT. So even even if you, like, change the like, even if you wanna move like, we didn't have 24, move the funds from any platform, really. If you change ownership, it triggers CGT.\n\nChannel 1: Okay. And do we know what that looks like?\n\nChannel 0: And I yes. I can calculate it for both of you. I mean, I can calculate and send it to you an email so that way it's\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: not\n\nChannel 1: That's\n\nChannel 0: not you waiting\n\nChannel 1: fine.\n\nChannel 0: for\n\nChannel 1: Is\n\nChannel 0: me to do the math.\n\nChannel 1: that yeah. No. You don't need to do it right now. That's that's fine.\n\nChannel 0: Cool. Yeah. I'll I'll do it I'll do it today, and I'll I'll send it through to to you for both of the accounts.\n\nChannel 1: Yeah.\n\nChannel 0: That way, you obviously have both of them. But, yeah, it'll obviously, that'll be a definite definite deciding factor for\n\nChannel 1: You\n\nChannel 0: you.\n\nChannel 1: sort of you yeah. You sort of down to it. Even if even though the we're directors and that of the seems a bit strange. Is the back end of hub, is it, like, test registered or sponsoring like that?\n\nChannel 0: I have to double check. I don't believe it is so.\n\nChannel 1: Right.\n\nChannel 0: I have to I have to double check, like, who exactly it is.\n\nChannel 1: Yeah. So I'll get conflicting information like Sean saying it shouldn't be a drama to move it to pretty much any platform. But I understand exactly what you're saying in regards to change of ownership in terms of whatever. I'm just trying to think. It seems like they've got you by the I shouldn't say the terminology by the balls, so to speak, because\n\nChannel 0: Yeah.\n\nChannel 1: you can't you know, what you're telling me makes sense, but it seems ridiculous when it's your own super money that you can't transfer it where you like. Responsible for that, not so much the individual shareholdings. So interesting. Yeah. Well, I don't wanna leave it within half 24.\n\nThat's the whole issue, I think.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. We wanna take control and take control myself so we can use it for other things besides shares and stuff like that. But I don't yeah. You can pay $3 for I mean, I've done a diploma in share trading. So like and stuff like that.\n\nSo I don't need the back end stuff. It's just they don't wanna pay $20.20 something dollars for a trade every time we trade. So\n\nChannel 0: Yeah. No.\n\nChannel 1: because\n\nChannel 0: And that's\n\nChannel 1: it's probably\n\nChannel 0: that's absolutely fair.\n\nChannel 1: yeah. Yeah. Yeah. It's just yeah. It's weird.\n\nAlright. Well, yeah, if you can just find out the CDT, I'll check with Sean. I might even find out from stake and see what they say. Technically, they're still in our names, both being directed. It's literally just a name change.\n\nIt's not a change of ownership. So Mhmm.\n\nChannel 0: It is a change of ownership because currently, HUB24 owns it while you're, I guess, technically a beneficiary if you wanna kinda put it that way. Because the own the ownership of the shares is Hub twenty four and you're like, with your account, you're changing the full ownership over to the SMSF trustee owning it.\n\nChannel 1: What do other people do in in this respect? Because I couldn't\n\nChannel 0: Depends\n\nChannel 1: be the first\n\nChannel 0: on\n\nChannel 1: person who's traded out of the Hub 20\n\nChannel 0: no.\n\nChannel 1: five.\n\nChannel 0: Not at all. It just depends on what they're wanting their money for. So a lot of people that move to an SMSF are generally going and doing property and stuff like that. So they liquidate their shares because they are wanting to utilize the funds for brick and mortar purchase. It's not just, you know, share trading.\n\nThe share trading\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: generally\n\nChannel 1: Yeah. Of\n\nChannel 0: becomes\n\nChannel 1: course.\n\nChannel 0: a secondary to it\n\nChannel 1: Yeah. Well, that's what it'll it'll eventually be. Yeah. But I just I'm not I'm not ready for it now. I don't really wanna give up my positions\n\nChannel 0: as they can't\n\nChannel 1: And draw.\n\nChannel 0: stand.\n\nChannel 1: Yeah. A bit like there's a lot that we I'd say decent CGT on, so I don't really wanna draw down on them as such. But I might let you just run the figures, and then I guess yeah. I think we'll just do that, Marissa. Maybe just run the run the figures.\n\nI'll talk to Sean, see if I can find out anything else or if there's another way of doing it, which doesn't sound like there is. But\n\nChannel 0: Yeah. If if the outcome is to get away from Hub twenty four, it it it would basically be a sell.\n\nChannel 1: Yeah. Well, this information might have been handy before I spent $3 on a self managed super fund. But I thought, yeah, I was gonna be understanding it would be okay. So that's fine. It's not your problem.\n\nI'm I'm just speaking out loud.\n\nChannel 0: No. No. I know. No. You're so fine.\n\nI understand. I know you're not. It's why I, like, con kinda flagged with me, and I was like, hey. How about I'm I'll I'm gonna jump on the phone and kind of have a\n\nChannel 1: Yeah.\n\nChannel 0: chat.\n\nChannel 1: No. I appreciate that.\n\nChannel 0: Like,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: there's only so much I can convey over email back and forwards that a five minute\n\nChannel 1: Yeah.\n\nChannel 0: chat might be a bit quicker than\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: everything\n\nChannel 1: I'm with\n\nChannel 0: else.\n\nChannel 1: you. Yeah. Obviously, that's my job exactly. I just go I don't text them. We just ring them, get an outcome.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Yeah. Go backwards and forwards for weeks. Yeah. So I'll I'll check with Sean. We'll do that, hey, if that's okay with you, Lewis.\n\nSo we'll just double check and see what that works out as.\n\nChannel 0: Yep.\n\nChannel 1: I mean, I I guess I could always cash it out and then go, well, let's just do a total rebalance or whatever or holding review, which I've already done. So yeah. Although, probably not a great year to do a CGT. That's for sure. Anyhoo, let's do that.\n\nI won't hold you up, and I'll I'll revert back once we once we get to the crux of it.\n\nChannel 0: Absolutely. And I've still got the meeting time booked in our calendars\n\nChannel 1: Oh, yep.\n\nChannel 0: for Monday. So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Perfect.\n\nChannel 0: you wanna chat then, just I'll keep it.\n\nChannel 1: Yeah.\n\nChannel 0: I'll give\n\nChannel 1: Cool.\n\nChannel 0: you a call.\n\nChannel 1: Yeah. Yeah. If anything progresses at my end, I'll I'll just flick you an email. But if not, yeah, I'll may you just keep that live? That'd be great for the time being, and then I'll revert\n\nChannel 0: Yeah.\n\nChannel 1: back.\n\nChannel 0: Cool. No stress.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Thanks, Glenn.\n\nChannel 1: Thanks, Larissa. Cheers. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.017598956823349}],"sentiment":"neutral","sentiment_score":0.017598956823349,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"How's that?","start":2.6399999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.053592657670378685}],"sentiment":"neutral","sentiment_score":0.053592657670378685,"channel":0,"num_words":2,"start":2.6399999,"end":3.3799999},{"sentences":[{"text":"Yeah.","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.1054648831486702},{"text":"That's it.","start":4.08,"end":4.4399996,"sentiment":"neutral","sentiment_score":0.1378793716430664},{"text":"It's better if it continues.","start":4.4399996,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2589253604412079},{"text":"So","start":6.96,"end":7.46,"sentiment":"positive","sentiment_score":0.7701383829116821}],"sentiment":"neutral","sentiment_score":0.2717765346169472,"channel":1,"num_words":9,"start":3.76,"end":7.46},{"sentences":[{"text":"Amazing.","start":7.8399997,"end":8.34,"sentiment":"positive","sentiment_score":0.7021139860153198},{"text":"So just to let you know, new call, it is recorded.","start":9.28,"end":11.54,"sentiment":"neutral","sentiment_score":0.2549838396635922}],"sentiment":"neutral","sentiment_score":0.29224468519290286,"channel":0,"num_words":12,"start":7.8399997,"end":11.54},{"sentences":[{"text":"all good.","start":12.32,"end":12.98,"sentiment":"positive","sentiment_score":0.5886984169483185}],"sentiment":"positive","sentiment_score":0.5886984169483185,"channel":1,"num_words":2,"start":12.32,"end":12.98},{"sentences":[{"text":"So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account.","start":13.665,"end":35.5,"sentiment":"neutral","sentiment_score":0.15722218316559697},{"text":"So that way, you're not having to sell any of those assets.","start":35.56,"end":38.12,"sentiment":"neutral","sentiment_score":0.19780909332136312},{"text":"So you retain the cost base to those assets.","start":38.12,"end":41.18,"sentiment":"neutral","sentiment_score":0.2466233405801985},{"text":"It would still trigger a CGT event moving those funds across because you're changing the ownership structure, but you wouldn't lose the cost base.","start":42.555,"end":52.335,"sentiment":"neutral","sentiment_score":0.13271051226183772},{"text":"The other option that is available to you, depending on what you were gonna do with regards to, I guess, an investment platform, is you could sell everything down to cash, transfer it across to your chosen bank account or or platform, and then buy whatever assets you're looking to buy under that platform.","start":52.715,"end":72.82,"sentiment":"neutral","sentiment_score":0.07606282236951369}],"sentiment":"neutral","sentiment_score":0.1326939681917429,"channel":0,"num_words":150,"start":13.665,"end":72.82},{"sentences":[{"text":"They are essentially the two options that you kind of have available with moving the money over to an SMSF structure.","start":73.175,"end":80.475,"sentiment":"neutral","sentiment_score":0.11187112437827247}],"sentiment":"neutral","sentiment_score":0.11187112437827247,"channel":0,"num_words":21,"start":73.175,"end":80.475},{"sentences":[{"text":"So they're making it so and is that just Hub 24?","start":81.755,"end":86.155,"sentiment":"neutral","sentiment_score":0.05401863462545655},{"text":"Because seems odd that you can't transfer to another platform.","start":86.155,"end":89.79,"sentiment":"neutral","sentiment_score":-0.10657070875167847}],"sentiment":"neutral","sentiment_score":-0.022452481268417267,"channel":1,"num_words":21,"start":81.755,"end":89.79},{"sentences":[{"text":"Most platforms don't, to be honest.","start":91.11,"end":93.91,"sentiment":"neutral","sentiment_score":-0.05316542461514473},{"text":"Like, you just transfer out, and even, like, some do, like, allow you to transfer in and out, but it's generally within the same like, Hub twenty four will let you transfer within Hub twenty four, but they can't","start":93.91,"end":107.675,"sentiment":"neutral","sentiment_score":0.007998966492521457}],"sentiment":"neutral","sentiment_score":-0.00015628565516736764,"channel":0,"num_words":45,"start":91.11,"end":107.675},{"sentences":[{"text":"Yeah.","start":107.615005,"end":107.775,"sentiment":"neutral","sentiment_score":-0.05981745198369026},{"text":"But I don't wanna use","start":107.775,"end":108.655,"sentiment":"neutral","sentiment_score":-0.2121714770793915}],"sentiment":"neutral","sentiment_score":-0.18677913956344128,"channel":1,"num_words":6,"start":107.615005,"end":108.655},{"sentences":[{"text":"change","start":108.455,"end":108.955,"sentiment":"neutral","sentiment_score":-0.3294174373149872}],"sentiment":"neutral","sentiment_score":-0.3294174373149872,"channel":0,"num_words":1,"start":108.455,"end":108.955},{"sentences":[{"text":"that phone.","start":108.655,"end":109.135,"sentiment":"neutral","sentiment_score":-0.22205329686403275},{"text":"So","start":109.135,"end":109.635,"sentiment":"neutral","sentiment_score":-0.0901239886879921}],"sentiment":"neutral","sentiment_score":-0.17807686080535254,"channel":1,"num_words":3,"start":108.655,"end":109.635},{"sentences":[{"text":"yeah.","start":110.135,"end":110.535,"sentiment":"neutral","sentiment_score":-0.08357521891593933},{"text":"They can't transfer it out of, like, Hub twenty four's trustee without basically selling it down and triggering a CGT event.","start":110.535,"end":121.87,"sentiment":"neutral","sentiment_score":-0.12603609707383884}],"sentiment":"neutral","sentiment_score":-0.12410605715757067,"channel":0,"num_words":22,"start":110.135,"end":121.87},{"sentences":[{"text":"Well, that's that's ridiculous.","start":124.700005,"end":128.16,"sentiment":"negative","sentiment_score":-0.5386741310358047},{"text":"I'll have to I'll have to just check with Sean and see that yeah.","start":133.265,"end":138.545,"sentiment":"neutral","sentiment_score":-0.10517953761986323},{"text":"Obviously, the idea of going to a self managed super fund is that I control it myself and I don't have to, you know, like, worry about the cost basis of trades and things like that.","start":138.545,"end":149.62,"sentiment":"neutral","sentiment_score":0.05222331494506863},{"text":"So in regards to management fees and that they go on within twenty four, etcetera.","start":149.62,"end":157.08,"sentiment":"neutral","sentiment_score":0.011142716184258461}],"sentiment":"neutral","sentiment_score":-0.02289898507297039,"channel":1,"num_words":69,"start":124.700005,"end":157.08},{"sentences":[{"text":"Yes.","start":157.895,"end":158.215,"sentiment":"neutral","sentiment_score":0.05627044290304184},{"text":"Yeah.","start":158.215,"end":158.715,"sentiment":"neutral","sentiment_score":0.03400836139917374},{"text":"And then","start":158.775,"end":159.175,"sentiment":"neutral","sentiment_score":-0.002761739306151867}],"sentiment":"neutral","sentiment_score":0.02118883142247796,"channel":0,"num_words":4,"start":157.895,"end":159.175},{"sentences":[{"text":"So","start":158.995,"end":159.235,"sentiment":"neutral","sentiment_score":-0.014277700334787369}],"sentiment":"neutral","sentiment_score":-0.014277700334787369,"channel":1,"num_words":1,"start":158.995,"end":159.235},{"sentences":[{"text":"that's,","start":159.175,"end":159.495,"sentiment":"neutral","sentiment_score":-0.05415760725736618}],"sentiment":"neutral","sentiment_score":-0.05415760725736618,"channel":0,"num_words":1,"start":159.175,"end":159.495},{"sentences":[{"text":"I don't","start":159.235,"end":159.635,"sentiment":"neutral","sentiment_score":-0.09782056882977486}],"sentiment":"neutral","sentiment_score":-0.09782056882977486,"channel":1,"num_words":2,"start":159.235,"end":159.635},{"sentences":[{"text":"I 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Monday.","start":598.115,"end":598.775,"sentiment":"neutral","sentiment_score":0.07435301691293716},{"text":"So","start":598.835,"end":599.335,"sentiment":"neutral","sentiment_score":0.13330450654029846}],"sentiment":"neutral","sentiment_score":0.09400351345539093,"channel":0,"num_words":3,"start":598.115,"end":599.335},{"sentences":[{"text":"Yeah.","start":599.36,"end":599.52,"sentiment":"neutral","sentiment_score":0.1716649830341339}],"sentiment":"neutral","sentiment_score":0.1716649830341339,"channel":1,"num_words":1,"start":599.36,"end":599.52},{"sentences":[{"text":"if","start":599.395,"end":599.555,"sentiment":"neutral","sentiment_score":0.2645847201347351}],"sentiment":"neutral","sentiment_score":0.2645847201347351,"channel":0,"num_words":1,"start":599.395,"end":599.555},{"sentences":[{"text":"Perfect.","start":599.52,"end":600.02,"sentiment":"positive","sentiment_score":0.35758358240127563}],"sentiment":"positive","sentiment_score":0.35758358240127563,"channel":1,"num_words":1,"start":599.52,"end":600.02},{"sentences":[{"text":"you wanna chat then, just I'll keep it.","start":599.555,"end":602.69,"sentiment":"neutral","sentiment_score":0.16623852774500847}],"sentiment":"neutral","sentiment_score":0.16623852774500847,"channel":0,"num_words":8,"start":599.555,"end":602.69},{"sentences":[{"text":"Yeah.","start":602.64,"end":602.88,"sentiment":"neutral","sentiment_score":0.1491205096244812}],"sentiment":"neutral","sentiment_score":0.1491205096244812,"channel":1,"num_words":1,"start":602.64,"end":602.88},{"sentences":[{"text":"I'll give","start":602.69,"end":603.01,"sentiment":"neutral","sentiment_score":0.19240861386060715}],"sentiment":"neutral","sentiment_score":0.19240861386060715,"channel":0,"num_words":2,"start":602.69,"end":603.01},{"sentences":[{"text":"Cool.","start":602.88,"end":603.38,"sentiment":"neutral","sentiment_score":0.29175108671188354}],"sentiment":"neutral","sentiment_score":0.29175108671188354,"channel":1,"num_words":1,"start":602.88,"end":603.38},{"sentences":[{"text":"you a call.","start":603.01,"end":603.67004,"sentiment":"neutral","sentiment_score":0.19718133906523386}],"sentiment":"neutral","sentiment_score":0.19718133906523386,"channel":0,"num_words":3,"start":603.01,"end":603.67004},{"sentences":[{"text":"Yeah.","start":603.92,"end":604.24,"sentiment":"neutral","sentiment_score":0.10511450469493866},{"text":"Yeah.","start":604.24,"end":604.48,"sentiment":"neutral","sentiment_score":0.10683469474315643},{"text":"If anything progresses at my end, I'll I'll just flick you an email.","start":604.48,"end":607.52,"sentiment":"neutral","sentiment_score":0.11536121769593312},{"text":"But if not, yeah, I'll may you just keep that live?","start":607.52,"end":609.76,"sentiment":"neutral","sentiment_score":0.07629247229884971},{"text":"That'd be great for the time being, and then I'll revert","start":609.76,"end":612.7069,"sentiment":"neutral","sentiment_score":0.3029574995691126}],"sentiment":"neutral","sentiment_score":0.1590106681089949,"channel":1,"num_words":37,"start":603.92,"end":612.7069},{"sentences":[{"text":"Yeah.","start":613.3269,"end":613.6469,"sentiment":"neutral","sentiment_score":0.10709327459335329}],"sentiment":"neutral","sentiment_score":0.10709327459335329,"channel":0,"num_words":1,"start":613.3269,"end":613.6469},{"sentences":[{"text":"back.","start":613.4469,"end":613.9469,"sentiment":"neutral","sentiment_score":0.1123272180557251}],"sentiment":"neutral","sentiment_score":0.1123272180557251,"channel":1,"num_words":1,"start":613.4469,"end":613.9469},{"sentences":[{"text":"Cool.","start":613.6469,"end":614.1269,"sentiment":"positive","sentiment_score":0.34773510694503784},{"text":"No stress.","start":614.1269,"end":614.86694,"sentiment":"neutral","sentiment_score":0.21029792726039886}],"sentiment":"neutral","sentiment_score":0.2561103204886119,"channel":0,"num_words":3,"start":613.6469,"end":614.86694},{"sentences":[{"text":"Okay.","start":614.6869,"end":615.16693,"sentiment":"neutral","sentiment_score":0.23583513498306272},{"text":"Alright.","start":615.16693,"end":615.66693,"sentiment":"positive","sentiment_score":0.352287620306015}],"sentiment":"neutral","sentiment_score":0.2940613776445389,"channel":1,"num_words":2,"start":614.6869,"end":615.66693},{"sentences":[{"text":"Thanks, Glenn.","start":616.5269,"end":617.5069,"sentiment":"positive","sentiment_score":0.7780894637107849}],"sentiment":"positive","sentiment_score":0.7780894637107849,"channel":0,"num_words":2,"start":616.5269,"end":617.5069},{"sentences":[{"text":"Thanks, Larissa.","start":617.5669,"end":618.5269,"sentiment":"positive","sentiment_score":0.7684787511825562},{"text":"Cheers.","start":618.5269,"end":618.8469,"sentiment":"positive","sentiment_score":0.7801946401596069},{"text":"Bye.","start":618.8469,"end":619.3469,"sentiment":"positive","sentiment_score":0.4924928545951843}],"sentiment":"positive","sentiment_score":0.7024112492799759,"channel":1,"num_words":4,"start":617.5669,"end":619.3469},{"sentences":[{"text":"Bye.","start":619.3269,"end":619.8269,"sentiment":"neutral","sentiment_score":-0.08867315202951431}],"sentiment":"neutral","sentiment_score":-0.08867315202951431,"channel":0,"num_words":1,"start":619.3269,"end":619.8269}]},"summary":{"result":"success","short":"The speaker explains to the customer that they can set up an SMSF IDPS account within Hub 24 to transfer assets to their current account without losing the cost base. The customer can sell down to cash and transfer the funds to their chosen bank account or platform to buy the desired assets. The speaker suggests managing the account yourself under Hub 24, but the customer wants to avoid triggering an event and wants to avoid triggering an empty event. The speakers discuss fees and changes of ownership for different platforms and accounts, and the possibility of transferring funds from any platform. They agree to run some figures and discuss the possibility of doing a total rebalance or holding review. The speakers also mention a meeting time and agree to keep each other updated."},"intents":{"segments":[{"text":"So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account.","start_word":26,"end_word":76,"intents":[{"intent":"Confirm setup","confidence_score":0.12164111},{"intent":"Transfer assets","confidence_score":0.73760635},{"intent":"Confirm transfer","confidence_score":0.005430018}]},{"text":"I'll have to I'll have to just check with Sean and see that yeah.","start_word":299,"end_word":312,"intents":[{"intent":"Check with sean","confidence_score":0.3509015}]},{"text":"So in regards to management fees and that they go on within twenty four, etcetera.","start_word":350,"end_word":364,"intents":[{"intent":"Manage funds","confidence_score":0.029509747}]},{"text":"Is the back end of hub, is it, like, test registered or sponsoring like that? I have to double check.","start_word":715,"end_word":734,"intents":[{"intent":"Check identity","confidence_score":0.009626476}]},{"text":"But I understand exactly what you're saying in regards to change of ownership in terms of whatever.","start_word":777,"end_word":793,"intents":[{"intent":"Discuss ownership","confidence_score":0.0030099894},{"intent":"Discuss ownership","confidence_score":0.041117113},{"intent":"Discuss ownership","confidence_score":0.11551937}]},{"text":"It seems like they've got you by the I shouldn't say the terminology by the balls, so to speak, because Yeah.","start_word":799,"end_word":819,"intents":[{"intent":"Understand terminology","confidence_score":0.09093687}]},{"text":"We wanna take control and take control myself so we can use it for other things besides shares and stuff like that. But I don't yeah.","start_word":877,"end_word":902,"intents":[{"intent":"Discuss control","confidence_score":0.2693464}]},{"text":"Well, yeah, if you can just find out the CDT, I'll check with Sean. I might even find out from stake and see what they say.","start_word":967,"end_word":992,"intents":[{"intent":"Discuss stake","confidence_score":0.16533032}]},{"text":"Well, yeah, if you can just find out the CDT, I'll check with Sean. I might even find out from stake and see what they say. Technically, they're still in our names, both being directed.","start_word":967,"end_word":1001,"intents":[{"intent":"Discuss cdt","confidence_score":0.12217121}]},{"text":"It's literally just a name change. It's not a change of ownership. So Mhmm.","start_word":1003,"end_word":1016,"intents":[{"intent":"Clarify ownership change","confidence_score":0.05213596}]},{"text":"there's only so much I can convey over email back and forwards that a five minute Yeah.","start_word":1403,"end_word":1419,"intents":[{"intent":"Resolve communication difficulties","confidence_score":0.0010272793}]}]},"sentiments":{"segments":[{"text":"Hello? How's that? Yeah. That's it. It's better if it continues.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.15907444059848783},{"text":"So Amazing.","start_word":11,"end_word":12,"sentiment":"positive","sentiment_score":0.7247887849807739},{"text":"So just to let you know, new call, it is recorded.","start_word":13,"end_word":23,"sentiment":"neutral","sentiment_score":0.247297465801239},{"text":"all good.","start_word":24,"end_word":25,"sentiment":"positive","sentiment_score":0.5647112131118774},{"text":"So, yeah, what I was saying was, essentially, I spoke to the Hub twenty four state manager for Queensland, and he got authority and confirmed that we would be able to basically set up an SMSF owned IDPS within Hub and in species transfer your current assets over to that account. So that way, you're not having to sell any of those assets. So you retain the cost base to those assets. It would still trigger a CGT event moving those funds across because you're changing the ownership structure, but you wouldn't lose the cost base. The other option that is available to you, depending on what you were gonna do with regards to, I guess, an investment platform, is you could sell everything down to cash, transfer it across to your chosen bank account or or platform, and then buy whatever assets you're looking to buy under that platform. They are essentially the two options that you kind of have available with moving the money over to an SMSF structure. So they're making it so and is that just Hub 24? Because seems odd that you can't transfer to another platform. Most platforms don't, to be honest. Like, you just transfer out, and even, like, some do, like, allow you to transfer in and out, but it's generally within the same like, Hub twenty four will let you transfer within Hub twenty four, but they can't Yeah. But I don't wanna use change that phone. So yeah. They can't transfer it out of, like, Hub twenty four's trustee without basically selling it down and triggering a CGT event.","start_word":26,"end_word":294,"sentiment":"neutral","sentiment_score":0.05570516362786293},{"text":"Well, that's that's ridiculous.","start_word":295,"end_word":298,"sentiment":"negative","sentiment_score":-0.5517158508300781},{"text":"I'll have to I'll have to just check with Sean and see that yeah. Obviously, the idea of going to a self managed super fund is that I control it myself and I don't have to, you know, like, worry about the cost basis of trades and things like that. So in regards to management fees and that they go on within twenty four, etcetera. Yes. Yeah. And then So that's, I don't I guess, I don't what I I don't was yeah. mhmm. I don't necessarily need any ongoing financial advice or anything like that. It's it's yeah. And and you could you could manage it yourself under Hub twenty four in the SMSF. Like, you could do the trades and the buyers and everything like that yourself. Yeah. It But I would still just have be to pay $25 a trade. yeah. It's just the the you still yeah. You're you're beholden to Hub twenty four's fees and Yep. stuff like that. Which yeah. That yeah. That's that's sort of like a backward platform from from my experience. So yeah. Righto. Well, that's that's trying to curve. Well, I mean, myself, many super funds already set up. Cash Macquarie Cash account already set up. Yeah. Yep. Stake account already go. It's literally just a matter of transferring them out. So but I don't really wanna trigger a CGT event. Because it's a because it's a change of ownership, it'll it'll trigger the CGT. So even even if you, like, change the like, even if you wanna move like, we didn't have 24, move the funds from any platform, really. If you change ownership, it triggers CGT. Okay. And do we know what that looks like? And I yes. I can calculate it for both of you. I mean, I can calculate and send it to you an email so that way it's Yeah. Yeah. Yeah. not That's not you waiting fine. for Is me to do the math. that yeah. No. You don't need to do it right now. That's that's fine.","start_word":299,"end_word":642,"sentiment":"neutral","sentiment_score":0.011875779000801294},{"text":"Cool. Yeah. I'll I'll do it I'll do it today, and I'll I'll send it through to to you for both of the accounts.","start_word":643,"end_word":666,"sentiment":"positive","sentiment_score":0.34732159972190857},{"text":"Yeah. That way, you obviously have both of them. But, yeah, it'll obviously, that'll be a definite definite deciding factor for You you. sort of you yeah. You sort of down to it. Even if even though the we're directors and that of the seems a bit strange. Is the back end of hub, is it, like, test registered or sponsoring like that? I have to double check. I don't believe it is so. Right. I have to I have to double check, like, who exactly it is. Yeah. So I'll get conflicting information like Sean saying it shouldn't be a drama to move it to pretty much any platform. But I understand exactly what you're saying in regards to change of ownership in terms of whatever. I'm just trying to think. It seems like they've got you by the I shouldn't say the terminology by the balls, so to speak, because Yeah.","start_word":667,"end_word":819,"sentiment":"neutral","sentiment_score":-0.06180879101157189},{"text":"you can't you know, what you're telling me makes sense, but it seems ridiculous when it's your own super money that you can't transfer it where you like.","start_word":820,"end_word":847,"sentiment":"negative","sentiment_score":-0.39809295535087585},{"text":"Responsible for that, not so much the individual shareholdings. So interesting. Yeah. Well, I don't wanna leave it within half 24. That's the whole issue, I think. Yeah. Yeah. We wanna take control and take control myself so we can use it for other things besides shares and stuff like that. But I don't yeah. You can pay $3 for I mean, I've done a diploma in share trading. So like and stuff like that. So I don't need the back end stuff. It's just they don't wanna pay $20.20 something dollars for a trade every time we trade. So Yeah. No. because And that's it's probably that's absolutely fair. yeah. Yeah. Yeah. It's just yeah. It's weird. Alright. Well, yeah, if you can just find out the CDT, I'll check with Sean. I might even find out from stake and see what they say. Technically, they're still in our names, both being directed. It's literally just a name change. It's not a change of ownership. So Mhmm. It is a change of ownership because currently, HUB24 owns it while you're, I guess, technically a beneficiary if you wanna kinda put it that way. Because the own the ownership of the shares is Hub twenty four and you're like, with your account, you're changing the full ownership over to the SMSF trustee owning it. What do other people do in in this respect? Because I couldn't Depends be the first on person who's traded out of the Hub 20 no. five. Not at all. It just depends on what they're wanting their money for. So a lot of people that move to an SMSF are generally going and doing property and stuff like that. So they liquidate their shares because they are wanting to utilize the funds for brick and mortar purchase. It's not just, you know, share trading. The share trading Yeah. Yeah. Yeah. generally Yeah. Of becomes course. a secondary to it Yeah. Well, that's what it'll it'll eventually be. Yeah. But I just I'm not I'm not ready for it now. I don't really wanna give up my positions as they can't And stand. draw. Yeah. A bit like there's a lot that we I'd say decent CGT on, so I don't really wanna draw down on them as such. But I might let you just run the figures, and then I guess yeah. I think we'll just do that, Marissa. Maybe just run the run the figures. I'll talk to Sean, see if I can find out anything else or if there's another way of doing it, which doesn't sound like there is. But Yeah.","start_word":848,"end_word":1286,"sentiment":"neutral","sentiment_score":-0.06401791049332987},{"text":"If if the outcome is to get away from Hub twenty four, it it it would basically be a sell.","start_word":1287,"end_word":1306,"sentiment":"negative","sentiment_score":-0.3413437306880951},{"text":"Yeah. Well, this information might have been handy before I spent $3 on a self managed super fund. But I thought, yeah, I was gonna be understanding it would be okay.","start_word":1307,"end_word":1337,"sentiment":"neutral","sentiment_score":0.07412943243980408},{"text":"So that's fine. It's not your problem.","start_word":1338,"end_word":1344,"sentiment":"positive","sentiment_score":0.354274719953537},{"text":"I'm I'm just speaking out loud. No. No. I know. No. You're so fine. I understand. I know you're not. It's why I, like, con kinda flagged with me, and I was like, hey. How about I'm I'll I'm gonna jump on the phone and kind of have a Yeah. chat. No. I appreciate that. Like, Yeah. Yeah. there's only so much I can convey over email back and forwards that a five minute Yeah. chat might be a bit quicker than Yeah. Yeah. everything I'm with else. you. Yeah. Obviously, that's my job exactly. I just go I don't text them. We just ring them, get an outcome. Yeah. Exactly. Yeah. Go backwards and forwards for weeks. Yeah. So I'll I'll check with Sean. We'll do that, hey, if that's okay with you, Lewis. So we'll just double check and see what that works out as. Yep. I mean, I I guess I could always cash it out and then go, well, let's just do a total rebalance or whatever or holding review, which I've already done. So yeah. Although, probably not a great year to do a CGT. That's for sure. Anyhoo, let's do that. I won't hold you up, and I'll I'll revert back once we once we get to the crux of it. Absolutely. And I've still got the meeting time booked in our calendars Oh, yep. for Monday. So Yeah. if Perfect. you wanna chat then, just I'll keep it. Yeah. I'll give Cool. you a call. Yeah. Yeah. If anything progresses at my end, I'll I'll just flick you an email. But if not, yeah, I'll may you just keep that live? That'd be great for the time being, and then I'll revert Yeah. back.","start_word":1345,"end_word":1635,"sentiment":"neutral","sentiment_score":0.03135186433792114},{"text":"Cool.","start_word":1636,"end_word":1636,"sentiment":"positive","sentiment_score":0.34773510694503784},{"text":"No stress. Okay.","start_word":1637,"end_word":1639,"sentiment":"neutral","sentiment_score":0.24461873372395831},{"text":"Alright. Thanks, Glenn. Thanks, Larissa. Cheers. Bye. Bye.","start_word":1640,"end_word":1647,"sentiment":"positive","sentiment_score":0.6142643094062805}],"average":{"sentiment":"neutral","sentiment_score":0.0017279115995564069}}}}