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Now is still a good time? Yeah. Perfect. I have just sent you an email with some documents. Do you have the option of accessing your emails at the moment? Yep. Perfect. If it is tricky for you to access them, you can always have a read over it in your own time when you have like, when it's easier to do so. And if you then have any questions, you can always just give me a callback Mhmm. If that's easier. But do let me know if it did come through so at least I know it was received on your end. Yep. Okay. Perfect. Are you happy for me to kind of run through the recommendation? And then when you have a bit more time, you can just have a read over it. Yeah. Perfect. It is pretty straightforward today, really. After our last conversation, it was mainly in regards to reviewing your superannuation, specifically Ben along to see if we wanted to make some changes to improve the returns and the situation for you and also kind of considering if the SMA was going to be a good option for you. Do you kind of remember that conversation? Yep. Yep. Yep. Perfect. So I have done all the research, and I have made a recommendation for you. Now I'll kind of go through it the way that you would look at it when you have a look at it. I'll keep a few things. A lot of it is just from a compliance point just to make sure you fully understand everything, but it is pretty straightforward. When you have a look at it, you will see that, obviously, the recommendation is tailored just to you specifically, and it has been prepared by me. Now on the cover page, you will see my authorized representative number, which is just my financial license number, and I'm obviously licensed under Oakview Financial. All the recommendations that we do, they have to follow that best interest duty, which means that we have to take your best interest at heart before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make sense? Yeah. Perfect. Now as you have a read through it, you will see a couple of sections talking about scope of the advice. Basically, what that means is just the areas we are looking at today. So pretty straightforward, literally just your and specifically those investments. That's kind of what this been this been focused on. Now if there is other things you wanna look at down the track, we can most definitely have a look at that. But today, it's simply just the superannuation to see if we can improve things for you. Yep. You will have a couple of pages about just some personal information about you. Just have a look over that when you have a moment just to make sure it's all up to date or if we need to make any changes. Same goes for assets. Just make sure that, you know, that's all up to date as well. Otherwise, when it comes to actually your the actual recommendation so I also researched Hub twenty four for you just to make sure it was still going to be a a good option or if there was any other competitive options out there. And at the moment, Hub twenty four still very much is a really good competitive option. So I have recommended that you stay in Hub twenty four and just literally change the investment. So the good thing with Hub twenty four is that there's hundreds of different investment options to choose from, which was how we can, obviously construct their portfolio. And it's also very competitive from a price point of view with other similar products. And I do use Hub twenty four personally for my superannuation. And if I didn't think it was great, I wouldn't use it, and I certainly wouldn't tell you to stay. So at the moment, it's still very much a good option for you. Now when it comes to your risk profile, we are not making any changes. We are keeping you in a high growth portfolio. You were quite comfortable with that, and that was mainly through, yeah, perfect, maximize that growth. You have plenty of time much over time and not changing anything there for you. Now the the kind of the most interesting part would be page 12 when you can have a look at it and page 14. Or even if you can look at page 14, that will be good. Let me know if you can see that. It can be fifth. It's in the the one that has the link. So if you click on the link, sorry, where it says it gets you to sign, but you can open up first. You don't have to sign anything right away. That is the actual research paper. All the other documents, it's more the supporting research for you. So that is basically everything you need to know about hub twenty four and the product and the investment. It's all in there. But the the main advice is when you click on that link. Yep. And then if you can scroll down. Yes. It can be 15 because sometimes it factors in the cover page, but it's the heading with the the comparison. Yep. Perfect. So this is basically just a bit of a snapshot where all the math and everything that goes into it. That's kind of been outlined in Word as well for you. But this is sometimes just like a quick and easy way to see it. So you can see here, at the top, recommending staying with hub twenty four. Now I did research on the SMA, but then also different portfolios. And from the research at the moment, I have recommended similar structure to what you currently have, just changing the portfolio. So not the SMA at this stage. The reason I chose not to recommend the SMA was that by making the changes through the SMA, there was a lot of changes to your investment. And by selling down your investments, that one specially specifically that have done really well means that you have to pay a capital gains tax when you sell the investment. So by switching you to the SMA, the capital gains tax would be about 3,178. So pretty decent. The SMA was still really good, but because your investments have done pretty good, I just didn't think it was worth it paying that extra tax, specifically, when another portfolio that we have is actually performed a little bit better than the SMA currently, and the capital gain yeah. The capital gains tax was only a $165. So quite a big difference, which is why you can see that difference at the top on the balance row where it says negative, that's the capital gains tax. So it's it's quite low in comparison, and the recommended portfolio has actually done better both when looking at the one year, the three year, and the five year rolling average. So factoring in all of that, I was like, no. SMA isn't the best one for you right now, and there's other better options. It's not to say that, you know, down the track, if we do research, you know, the estimate might be more competitive for you. But right now, it just wasn't worth paying additional tax, like, especially when the returns weren't going to outweigh those. Does that make sense? Yeah. Perfect. Now, otherwise, you will see that by actually making the change to the new portfolio, again, keeping you within a high growth portfolio, the investment fee is actually cheaper. So you are saving about $334 a year in just like admin fees investment fees just by half of 24, which is still pretty good. And the biggest thing is, though, the change in the investment return. So you can see here the five year rolling average difference. Now, obviously, we can never guarantee what's going to happen. You never know what's going to happen in the market and the world. Especially, the last twelve months have been very unpredictable, but that is also why we like to use a five year rolling average, which is if we are using a five year rolling average, averaging out over five years and then using that as a yearly, it gives us a better indication of how the portfolio has done, but also the market as well. Because some years, it would have looked like you've won the lottery. Other years, not so great. So using five years gives us a bit more kind of certainty. Does that make sense? Yeah. Perfect. So you can see here that that five year rolling average, it's pretty big difference between your current and the new recommended portfolio, which is great. Yep. If you scroll down one page, you will actually see a bit more where I projected five and ten years forward, assuming everything kind of stays the same where things you potentially be on track through. And you can kind of see then the compound's different in that just returns and fees alone. And that is staying with that 24, which is a pretty good difference. And then underneath that table, you can then see a bit more of the returns as well. You can kinda see the twelve month, three, and five years. And even across all those, it has improved, which again is great. Yep. Perfect. Now if you then wanna scroll up for me through page 12. Yep. Now you can see that investment table. Yep. Perfect. Now this can look really messy, but, essentially, it shows you the changes in the investment. So all that ones that has the red is what we are selling, and then you can then see what we are either buying or kind of just rebalancing. So mainly, the the big points is you can see that Ben along Australian equity. So when I mentioned last time, we are completely swapping out of that one. We are also updating and selling out of the global ex battery tech and lithium, the agriculture as well. We're also selling out of the ISHES Asia Global Healthcare and then Vanguard diversify index. So so that once we're completely swapping out. Now we are still retaining the beta shift cybersecurity for you and just kind of rebalancing at about 6%. Now this is one of your satellite investments. So, obviously, AI cybersecurity, it is recently has seen a bit of fluctuations, but long term as well, there's a lot of opportunity in that space, obviously, with everything going on in the world with AI. So this one is one of those investments that do have a potential growth opportunity, but they can fluctuate a lot more, which is why it's only at 6%. You then have Europe, which you already had in your portfolio. Now that one has done pretty good. We're just increasing the target to 9%. Otherwise, keeping it in the portfolio. It is a very good diversified ETF in that invest in a lot of the big companies in Europe. So a lot of the kind of mid size to large companies, mainly in, you know, The UK, Germany, France, Switzerland, a couple of others as well. So it gives you good diversification around the globe. You then have, the ISHIS S and P 500 keeping that in the portfolio. It is a good staple. Again, super diversified because this invest in the 500 largest companies listed in The US. So within that one single investment, you do have 500 companies very diversified. So that is kind of far forms the part of your core. So kind of a bit more of those a little bit more stable investment that kind of grows steadily, still invest in shares. It's just very diversified for you. Yep. You then have kind of the bottom. So one, two, three, four, five, which are the ones we are then adding to your portfolio instead of the other ones. So instead of the iShares Asia, we've swapped it for iShares Japan. It has done a little bit better and a bit more targeted. Again, only keeping it at 5%, but there are a lot of opportunities in that space. You then have 8% in Vanguard All World. Now this is another ETF that invests in companies all around the globe, but it excludes The US because you already have the exposure to The US in that iShares S and P 500. So we don't want too much in one market either. We wanna make sure we diversify things for you. Yep. Then the kind of swap for the Benelon, because we also wanna make sure you have exposure to the Australian market, is we then introduced the BetaShares Australia 200. So instead of bending along where it is a active managed fund where they're trying to outperform the market, which hasn't really turned out that great lately, the ISHES the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia. So you don't have that whole kind of which is why the fees are a bit cheaper because you don't have as much research going into trying to pick and choose the best companies. It follows the biggest one, which makes it kind of easy and a bit smoother with volatility and fluctuations. And it has outperformed the Benelung as well. So that's that one, that's kind of swapping because, again, we wanna make sure you have diversification again through Australia. Just a different option. Does that all make sense so far? Yeah. Perfect. Now with your invest defensive, we do wanna have a little bit of that defensive component as well to your portfolio. Not too much, though, because we're trying to maximize that growth, still have a little bit. So we have 7% of gold included in your portfolio. It's done really well lately, and it's a good just kind of those stable all around to your portfolio. And then we have 5% in a fixed interest. Again, to kind of limit fluctuations a little bit. So that is essentially the changes to the investment. So overall, that's a structural, not major changes. It's just swapping out different kind of industries and sectors for better options. Yeah. Perfect. Do you have any questions in regards to that? No. Perfect. Now if you wanna scroll to the next page, which is page 13, you can then see kind of that we are staying within your high growth. So this shows you the risk profile, which is the nine to 10 or often goes through 95, ten and five, your existing portfolio and the proposed. So both are aligning with your high growth where we are trying to maximize that growth for you. Yep. Now that is most of the information, to be fair. The last thing I do wanna mention is page 18 where it talks about remuneration. Just let me know if you can see that. Yeah. So there is no changes whatsoever in regards to the ongoing advice fee. It stays the same at 1.65 from your super balance. So if you are happy to go ahead with this change, there is no additional fees whatsoever. It is all part of that ongoing advice fee for you. Yep. And then it basically just recaps everything at the bottom, how to implement it. So, basically, from here on is if you were happy to go ahead by making this investment changes, it would just be for you to sign the document that will then come through to me. I will let the team know, and then we can go ahead and make this change for you all in the back end. So when you do go into Hub 24, you will see it. So you don't have to do anything aside from, obviously, if you are happy to go ahead. If you wanna take some time, though, to read over the document, you are more than welcome to as well. Yep. Now do you have any other questions for me otherwise today, or was that fairly straightforward? Yeah. Perfect. Now there is one more thing that I have here, which is just that the ID we have on file for you has expired. Did you recently receive a new driver's license or anything a little while ago? No. That's okay. When you have a moment, would you be able to email through just a photo of the front and the back of your license just so we can update the records for you? Would you like me to give you the email address, or would you like me to send you an email address and you can just respond to that one? Or what's the easiest? Yep. Yep. Alright. Perfect. I will send you an email, and then you can just when you have a moment, just respond with the front and the back of your license. And then, yeah, have a read through the documents. Any questions or changes, you know, just let me know. Otherwise, I'll keep a lookout for the documents because if you do sign it, I will get notified to obviously say that you wanna go ahead, and then we can go ahead and make these changes for you. Yep. Perfect. Well, if you don't have any other questions for me, Jasmine, I will let you go and enjoy your afternoon. But if you do have if you do have any other questions or need anything else at any point in time, you can either just respond to that email or just give me a call, and we can always book you in for another catch up. No problem at all. I look forward to speaking with you soon again. Mhmm. Thanks. 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afternoon. This is Ranka speaking. Yes. I had you booked in just to go over the the research and the strategy recommendation after our last patch up a few weeks ago. Yeah.\n\nNow is still a good time? Yeah. Perfect. I have just sent you an email with some documents. Do you have the option of accessing your emails at the moment?\n\nYep. Perfect. If it is tricky for you to access them, you can always have a read over it in your own time when you have like, when it's easier to do so. And if you then have any questions, you can always just give me a callback Mhmm. If that's easier.\n\nBut do let me know if it did come through so at least I know it was received on your end. Yep. Okay. Perfect. Are you happy for me to kind of run through the recommendation?\n\nAnd then when you have a bit more time, you can just have a read over it. Yeah. Perfect. It is pretty straightforward today, really. After our last conversation, it was mainly in regards to reviewing your superannuation, specifically Ben along to see if we wanted to make some changes to improve the returns and the situation for you and also kind of considering if the SMA was going to be a good option for you.\n\nDo you kind of remember that conversation? Yep. Yep. Yep. Perfect.\n\nSo I have done all the research, and I have made a recommendation for you. Now I'll kind of go through it the way that you would look at it when you have a look at it. I'll keep a few things. A lot of it is just from a compliance point just to make sure you fully understand everything, but it is pretty straightforward. When you have a look at it, you will see that, obviously, the recommendation is tailored just to you specifically, and it has been prepared by me.\n\nNow on the cover page, you will see my authorized representative number, which is just my financial license number, and I'm obviously licensed under Oakview Financial. All the recommendations that we do, they have to follow that best interest duty, which means that we have to take your best interest at heart before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make sense?\n\nYeah. Perfect. Now as you have a read through it, you will see a couple of sections talking about scope of the advice. Basically, what that means is just the areas we are looking at today. So pretty straightforward, literally just your and specifically those investments.\n\nThat's kind of what this been this been focused on. Now if there is other things you wanna look at down the track, we can most definitely have a look at that. But today, it's simply just the superannuation to see if we can improve things for you. Yep. You will have a couple of pages about just some personal information about you.\n\nJust have a look over that when you have a moment just to make sure it's all up to date or if we need to make any changes. Same goes for assets. Just make sure that, you know, that's all up to date as well. Otherwise, when it comes to actually your the actual recommendation so I also researched Hub twenty four for you just to make sure it was still going to be a a good option or if there was any other competitive options out there. And at the moment, Hub twenty four still very much is a really good competitive option.\n\nSo I have recommended that you stay in Hub twenty four and just literally change the investment. So the good thing with Hub twenty four is that there's hundreds of different investment options to choose from, which was how we can, obviously construct their portfolio. And it's also very competitive from a price point of view with other similar products. And I do use Hub twenty four personally for my superannuation. And if I didn't think it was great, I wouldn't use it, and I certainly wouldn't tell you to stay.\n\nSo at the moment, it's still very much a good option for you. Now when it comes to your risk profile, we are not making any changes. We are keeping you in a high growth portfolio. You were quite comfortable with that, and that was mainly through, yeah, perfect, maximize that growth. You have plenty of time much over time and not changing anything there for you.\n\nNow the the kind of the most interesting part would be page 12 when you can have a look at it and page 14. Or even if you can look at page 14, that will be good. Let me know if you can see that. It can be fifth. It's in the the one that has the link.\n\nSo if you click on the link, sorry, where it says it gets you to sign, but you can open up first. You don't have to sign anything right away. That is the actual research paper. All the other documents, it's more the supporting research for you. So that is basically everything you need to know about hub twenty four and the product and the investment.\n\nIt's all in there. But the the main advice is when you click on that link. Yep. And then if you can scroll down. Yes.\n\nIt can be 15 because sometimes it factors in the cover page, but it's the heading with the the comparison. Yep. Perfect. So this is basically just a bit of a snapshot where all the math and everything that goes into it. That's kind of been outlined in Word as well for you.\n\nBut this is sometimes just like a quick and easy way to see it. So you can see here, at the top, recommending staying with hub twenty four. Now I did research on the SMA, but then also different portfolios. And from the research at the moment, I have recommended similar structure to what you currently have, just changing the portfolio. So not the SMA at this stage.\n\nThe reason I chose not to recommend the SMA was that by making the changes through the SMA, there was a lot of changes to your investment. And by selling down your investments, that one specially specifically that have done really well means that you have to pay a capital gains tax when you sell the investment. So by switching you to the SMA, the capital gains tax would be about 3,178. So pretty decent. The SMA was still really good, but because your investments have done pretty good, I just didn't think it was worth it paying that extra tax, specifically, when another portfolio that we have is actually performed a little bit better than the SMA currently, and the capital gain yeah.\n\nThe capital gains tax was only a $165. So quite a big difference, which is why you can see that difference at the top on the balance row where it says negative, that's the capital gains tax. So it's it's quite low in comparison, and the recommended portfolio has actually done better both when looking at the one year, the three year, and the five year rolling average. So factoring in all of that, I was like, no. SMA isn't the best one for you right now, and there's other better options.\n\nIt's not to say that, you know, down the track, if we do research, you know, the estimate might be more competitive for you. But right now, it just wasn't worth paying additional tax, like, especially when the returns weren't going to outweigh those. Does that make sense? Yeah. Perfect.\n\nNow, otherwise, you will see that by actually making the change to the new portfolio, again, keeping you within a high growth portfolio, the investment fee is actually cheaper. So you are saving about $334 a year in just like admin fees investment fees just by half of 24, which is still pretty good. And the biggest thing is, though, the change in the investment return. So you can see here the five year rolling average difference. Now, obviously, we can never guarantee what's going to happen.\n\nYou never know what's going to happen in the market and the world. Especially, the last twelve months have been very unpredictable, but that is also why we like to use a five year rolling average, which is if we are using a five year rolling average, averaging out over five years and then using that as a yearly, it gives us a better indication of how the portfolio has done, but also the market as well. Because some years, it would have looked like you've won the lottery. Other years, not so great. So using five years gives us a bit more kind of certainty.\n\nDoes that make sense? Yeah. Perfect. So you can see here that that five year rolling average, it's pretty big difference between your current and the new recommended portfolio, which is great. Yep.\n\nIf you scroll down one page, you will actually see a bit more where I projected five and ten years forward, assuming everything kind of stays the same where things you potentially be on track through. And you can kind of see then the compound's different in that just returns and fees alone. And that is staying with that 24, which is a pretty good difference. And then underneath that table, you can then see a bit more of the returns as well. You can kinda see the twelve month, three, and five years.\n\nAnd even across all those, it has improved, which again is great. Yep. Perfect. Now if you then wanna scroll up for me through page 12. Yep.\n\nNow you can see that investment table. Yep. Perfect. Now this can look really messy, but, essentially, it shows you the changes in the investment. So all that ones that has the red is what we are selling, and then you can then see what we are either buying or kind of just rebalancing.\n\nSo mainly, the the big points is you can see that Ben along Australian equity. So when I mentioned last time, we are completely swapping out of that one. We are also updating and selling out of the global ex battery tech and lithium, the agriculture as well. We're also selling out of the ISHES Asia Global Healthcare and then Vanguard diversify index. So so that once we're completely swapping out.\n\nNow we are still retaining the beta shift cybersecurity for you and just kind of rebalancing at about 6%. Now this is one of your satellite investments. So, obviously, AI cybersecurity, it is recently has seen a bit of fluctuations, but long term as well, there's a lot of opportunity in that space, obviously, with everything going on in the world with AI. So this one is one of those investments that do have a potential growth opportunity, but they can fluctuate a lot more, which is why it's only at 6%. You then have Europe, which you already had in your portfolio.\n\nNow that one has done pretty good. We're just increasing the target to 9%. Otherwise, keeping it in the portfolio. It is a very good diversified ETF in that invest in a lot of the big companies in Europe. So a lot of the kind of mid size to large companies, mainly in, you know, The UK, Germany, France, Switzerland, a couple of others as well.\n\nSo it gives you good diversification around the globe. You then have, the ISHIS S and P 500 keeping that in the portfolio. It is a good staple. Again, super diversified because this invest in the 500 largest companies listed in The US. So within that one single investment, you do have 500 companies very diversified.\n\nSo that is kind of far forms the part of your core. So kind of a bit more of those a little bit more stable investment that kind of grows steadily, still invest in shares. It's just very diversified for you. Yep. You then have kind of the bottom.\n\nSo one, two, three, four, five, which are the ones we are then adding to your portfolio instead of the other ones. So instead of the iShares Asia, we've swapped it for iShares Japan. It has done a little bit better and a bit more targeted. Again, only keeping it at 5%, but there are a lot of opportunities in that space. You then have 8% in Vanguard All World.\n\nNow this is another ETF that invests in companies all around the globe, but it excludes The US because you already have the exposure to The US in that iShares S and P 500. So we don't want too much in one market either. We wanna make sure we diversify things for you. Yep. Then the kind of swap for the Benelon, because we also wanna make sure you have exposure to the Australian market, is we then introduced the BetaShares Australia 200.\n\nSo instead of bending along where it is a active managed fund where they're trying to outperform the market, which hasn't really turned out that great lately, the ISHES the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia. So you don't have that whole kind of which is why the fees are a bit cheaper because you don't have as much research going into trying to pick and choose the best companies. It follows the biggest one, which makes it kind of easy and a bit smoother with volatility and fluctuations. And it has outperformed the Benelung as well. So that's that one, that's kind of swapping because, again, we wanna make sure you have diversification again through Australia.\n\nJust a different option. Does that all make sense so far? Yeah. Perfect. Now with your invest defensive, we do wanna have a little bit of that defensive component as well to your portfolio.\n\nNot too much, though, because we're trying to maximize that growth, still have a little bit. So we have 7% of gold included in your portfolio. It's done really well lately, and it's a good just kind of those stable all around to your portfolio. And then we have 5% in a fixed interest. Again, to kind of limit fluctuations a little bit.\n\nSo that is essentially the changes to the investment. So overall, that's a structural, not major changes. It's just swapping out different kind of industries and sectors for better options. Yeah. Perfect.\n\nDo you have any questions in regards to that? No. Perfect. Now if you wanna scroll to the next page, which is page 13, you can then see kind of that we are staying within your high growth. So this shows you the risk profile, which is the nine to 10 or often goes through 95, ten and five, your existing portfolio and the proposed.\n\nSo both are aligning with your high growth where we are trying to maximize that growth for you. Yep. Now that is most of the information, to be fair. The last thing I do wanna mention is page 18 where it talks about remuneration. Just let me know if you can see that.\n\nYeah. So there is no changes whatsoever in regards to the ongoing advice fee. It stays the same at 1.65 from your super balance. So if you are happy to go ahead with this change, there is no additional fees whatsoever. It is all part of that ongoing advice fee for you.\n\nYep. And then it basically just recaps everything at the bottom, how to implement it. So, basically, from here on is if you were happy to go ahead by making this investment changes, it would just be for you to sign the document that will then come through to me. I will let the team know, and then we can go ahead and make this change for you all in the back end. So when you do go into Hub 24, you will see it.\n\nSo you don't have to do anything aside from, obviously, if you are happy to go ahead. If you wanna take some time, though, to read over the document, you are more than welcome to as well. Yep. Now do you have any other questions for me otherwise today, or was that fairly straightforward? Yeah.\n\nPerfect. Now there is one more thing that I have here, which is just that the ID we have on file for you has expired. Did you recently receive a new driver's license or anything a little while ago? No. That's okay.\n\nWhen you have a moment, would you be able to email through just a photo of the front and the back of your license just so we can update the records for you? Would you like me to give you the email address, or would you like me to send you an email address and you can just respond to that one? Or what's the easiest? Yep. Yep.\n\nAlright. Perfect. I will send you an email, and then you can just when you have a moment, just respond with the front and the back of your license. And then, yeah, have a read through the documents. Any questions or changes, you know, just let me know.\n\nOtherwise, I'll keep a lookout for the documents because if you do sign it, I will get notified to obviously say that you wanna go ahead, and then we can go ahead and make these changes for you. Yep. Perfect. Well, if you don't have any other questions for me, Jasmine, I will let you go and enjoy your afternoon. But if you do have if you do have any other questions or need anything else at any point in time, you can either just respond to that email or just give me a call, and we can always book you in for another catch up.\n\nNo problem at all. I look forward to speaking with you soon again. Mhmm. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.27835671603679657},{"text":"This is Ranka speaking.","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.15296890027821064},{"text":"Yes.","start":6.3999996,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.13405561447143555},{"text":"I had you booked in just to go over the the research and the strategy recommendation after our last patch up a few weeks ago.","start":6.96,"end":13.94,"sentiment":"neutral","sentiment_score":0.15411087721586228},{"text":"Yeah.","start":14.745,"end":15.065,"sentiment":"neutral","sentiment_score":0.2015664279460907}],"sentiment":"neutral","sentiment_score":0.1623328183636521,"num_words":33,"start":1.4399999,"end":15.065},{"sentences":[{"text":"Now is still a good time?","start":15.065,"end":16.285,"sentiment":"neutral","sentiment_score":0.2815130477150281},{"text":"Yeah.","start":17.145,"end":17.645,"sentiment":"positive","sentiment_score":0.4078481197357178},{"text":"Perfect.","start":17.865,"end":18.365,"sentiment":"positive","sentiment_score":0.6620432138442993},{"text":"I have just sent you an email with some documents.","start":18.585,"end":22.205,"sentiment":"positive","sentiment_score":0.33502176105976106},{"text":"Do you have the option of accessing your emails at the moment?","start":23.704998,"end":27.485,"sentiment":"neutral","sentiment_score":0.06789182871580124}],"sentiment":"neutral","sentiment_score":0.23079630583524705,"num_words":30,"start":15.065,"end":27.485},{"sentences":[{"text":"Yep.","start":32.03,"end":32.53,"sentiment":"neutral","sentiment_score":0.17014828324317932},{"text":"Perfect.","start":32.59,"end":33.09,"sentiment":"neutral","sentiment_score":0.31421834230422974},{"text":"If it is tricky for you to access them, you can always have a read over it in your own time when you have like, when it's easier to do so.","start":34.11,"end":43.81,"sentiment":"neutral","sentiment_score":0.1089571937918663},{"text":"And if you then have any questions, you can always just give me a callback Mhmm.","start":44.03,"end":48.965,"sentiment":"neutral","sentiment_score":0.07210401515476406},{"text":"If that's easier.","start":49.285,"end":50.245,"sentiment":"neutral","sentiment_score":0.137620543440183}],"sentiment":"neutral","sentiment_score":0.10439549049792382,"num_words":52,"start":32.03,"end":50.245},{"sentences":[{"text":"But do let me know if it did come through so at least I know it was received on your end.","start":50.245,"end":55.385,"sentiment":"neutral","sentiment_score":0.11762716230892},{"text":"Yep.","start":60.98,"end":61.3,"sentiment":"neutral","sentiment_score":0.14452916383743286},{"text":"Okay.","start":61.3,"end":61.699997,"sentiment":"neutral","sentiment_score":0.2147619128227234},{"text":"Perfect.","start":61.699997,"end":62.1,"sentiment":"positive","sentiment_score":0.3960058391094208},{"text":"Are you happy for me to kind of run through the recommendation?","start":62.1,"end":65.24,"sentiment":"positive","sentiment_score":0.3419659237066905}],"sentiment":"neutral","sentiment_score":0.20358495579825509,"num_words":36,"start":50.245,"end":65.24},{"sentences":[{"text":"And then when you have a bit more time, you can just have a read over it.","start":65.54,"end":68.979996,"sentiment":"neutral","sentiment_score":0.10677679693874191},{"text":"Yeah.","start":68.979996,"end":69.38,"sentiment":"neutral","sentiment_score":0.1397475302219391},{"text":"Perfect.","start":69.38,"end":69.88,"sentiment":"positive","sentiment_score":0.5245474576950073},{"text":"It is pretty straightforward today, really.","start":70.534996,"end":73.255,"sentiment":"positive","sentiment_score":0.5052424172560374},{"text":"After our last conversation, it was mainly in regards to reviewing your superannuation, specifically Ben along to see if we wanted to make some changes to improve the returns and the situation for you and also kind of considering if the SMA was going to be a good option for you.","start":73.255,"end":90.36,"sentiment":"neutral","sentiment_score":0.22995860786998973}],"sentiment":"neutral","sentiment_score":0.22682689527343763,"num_words":76,"start":65.54,"end":90.36},{"sentences":[{"text":"Do you kind of remember that conversation?","start":90.36,"end":92.06,"sentiment":"neutral","sentiment_score":0.02642435553882803},{"text":"Yep.","start":92.759995,"end":93.159996,"sentiment":"neutral","sentiment_score":0.06216751039028168},{"text":"Yep.","start":93.159996,"end":93.659996,"sentiment":"neutral","sentiment_score":0.07579724490642548},{"text":"Yep.","start":93.96,"end":94.36,"sentiment":"neutral","sentiment_score":0.1761985719203949},{"text":"Perfect.","start":94.36,"end":94.86,"sentiment":"positive","sentiment_score":0.4112336039543152}],"sentiment":"neutral","sentiment_score":0.08276067454029214,"num_words":11,"start":90.36,"end":94.86},{"sentences":[{"text":"So I have done all the research, and I have made a recommendation for you.","start":95.08,"end":99.259995,"sentiment":"positive","sentiment_score":0.3418554762999217},{"text":"Now I'll kind of go through it the way that you would look at it when you have a look at it.","start":99.395004,"end":104.835,"sentiment":"neutral","sentiment_score":0.2627430036664009},{"text":"I'll keep a few things.","start":104.835,"end":105.795006,"sentiment":"neutral","sentiment_score":0.23721988797187804},{"text":"A lot of it is just from a compliance point just to make sure you fully understand everything, but it is pretty straightforward.","start":105.795006,"end":111.815,"sentiment":"neutral","sentiment_score":0.21716708722321884},{"text":"When you have a look at it, you will see that, obviously, the recommendation is tailored just to you specifically, and it has been prepared by me.","start":113.950005,"end":121.89,"sentiment":"neutral","sentiment_score":0.1251329277400617}],"sentiment":"neutral","sentiment_score":0.22247510565363843,"num_words":92,"start":95.08,"end":121.89},{"sentences":[{"text":"Now on the cover page, you will see my authorized representative number, which is just my financial license number, and I'm obviously licensed under Oakview Financial.","start":122.03,"end":130.625,"sentiment":"neutral","sentiment_score":0.07414109374468143},{"text":"All the recommendations that we do, they have to follow that best interest duty, which means that we have to take your best interest at heart before anything else.","start":133.085,"end":142.065,"sentiment":"neutral","sentiment_score":0.26376456844395607},{"text":"And the advice itself has to put you in a better position as a result of the advice.","start":142.36,"end":147.66,"sentiment":"neutral","sentiment_score":0.2688291139072842},{"text":"Otherwise, I cannot actually make the recommendation.","start":147.8,"end":150.06,"sentiment":"neutral","sentiment_score":-0.19447464389460428},{"text":"Does that make sense?","start":150.44,"end":151.5,"sentiment":"neutral","sentiment_score":0.05827569216489792}],"sentiment":"neutral","sentiment_score":0.1581850623091062,"num_words":84,"start":122.03,"end":151.5},{"sentences":[{"text":"Yeah.","start":152.12,"end":152.59999,"sentiment":"neutral","sentiment_score":0.32665833830833435},{"text":"Perfect.","start":152.59999,"end":153.09999,"sentiment":"positive","sentiment_score":0.5903772115707397},{"text":"Now as you have a read through it, you will see a couple of sections talking about scope of the advice.","start":153.31999,"end":159.13501,"sentiment":"neutral","sentiment_score":0.22845113561266944},{"text":"Basically, what that means is just the areas we are looking at today.","start":159.13501,"end":162.835,"sentiment":"neutral","sentiment_score":0.16867389071446198},{"text":"So pretty straightforward, literally just your and specifically those investments.","start":163.05501,"end":168.035,"sentiment":"neutral","sentiment_score":0.21624469757080078}],"sentiment":"neutral","sentiment_score":0.21890689027698143,"num_words":46,"start":152.12,"end":168.035},{"sentences":[{"text":"That's kind of what this been this been focused on.","start":169.05501,"end":172.19,"sentiment":"neutral","sentiment_score":0.13049999326467515},{"text":"Now if there is other things you wanna look at down the track, we can most definitely have a look at that.","start":172.19,"end":176.75,"sentiment":"neutral","sentiment_score":0.22801257128065283},{"text":"But today, it's simply just the superannuation to see if we can improve things for you.","start":176.75,"end":181.33,"sentiment":"neutral","sentiment_score":0.2178671583533287},{"text":"Yep.","start":182.27,"end":182.715,"sentiment":"neutral","sentiment_score":0.11470997333526611},{"text":"You will have a couple of pages about just some personal information about you.","start":183.515,"end":188.495,"sentiment":"neutral","sentiment_score":0.11736445288572993}],"sentiment":"neutral","sentiment_score":0.18357084679698188,"num_words":63,"start":169.05501,"end":188.495},{"sentences":[{"text":"Just have a look over that when you have a moment just to make sure it's all up to date or if we need to make any changes.","start":188.875,"end":194.415,"sentiment":"neutral","sentiment_score":0.11535052582621574},{"text":"Same goes for assets.","start":195.98,"end":197.51999,"sentiment":"neutral","sentiment_score":0.09927940554916859},{"text":"Just make sure that, you know, that's all up to date as well.","start":197.57999,"end":201.43999,"sentiment":"neutral","sentiment_score":0.1745197818829463},{"text":"Otherwise, when it comes to actually your the actual recommendation so I also researched Hub twenty four for you just to make sure it was still going to be a a good option or if there was any other competitive options out there.","start":202.85999,"end":215.685,"sentiment":"neutral","sentiment_score":0.11040677944588106},{"text":"And at the moment, Hub twenty four still very much is a really good competitive option.","start":215.985,"end":221.265,"sentiment":"neutral","sentiment_score":0.3155878409743309}],"sentiment":"neutral","sentiment_score":0.15089025463049227,"num_words":104,"start":188.875,"end":221.265},{"sentences":[{"text":"So I have recommended that you stay in Hub twenty four and just literally change the investment.","start":221.265,"end":226.95,"sentiment":"neutral","sentiment_score":0.302788669572157},{"text":"So the good thing with Hub twenty four is that there's hundreds of different investment options to choose from, which was how we can, obviously construct their portfolio.","start":227.25,"end":236.71,"sentiment":"positive","sentiment_score":0.3929569737187454},{"text":"And it's also very competitive from a price point of view with other similar products.","start":237.30501,"end":242.205,"sentiment":"positive","sentiment_score":0.565986829996109},{"text":"And I do use Hub twenty four personally for my superannuation.","start":242.74501,"end":246.205,"sentiment":"positive","sentiment_score":0.4348052360794761},{"text":"And if I didn't think it was great, I wouldn't use it, and I certainly wouldn't tell you to stay.","start":247.30501,"end":251.145,"sentiment":"negative","sentiment_score":-0.3466422725468874}],"sentiment":"neutral","sentiment_score":0.2471430466234029,"num_words":91,"start":221.265,"end":251.145},{"sentences":[{"text":"So at the moment, it's still very much a good option for you.","start":251.46501,"end":256.0,"sentiment":"positive","sentiment_score":0.517214756172437},{"text":"Now when it comes to your risk profile, we are not making any changes.","start":257.02,"end":261.02,"sentiment":"neutral","sentiment_score":0.004152762836643628},{"text":"We are keeping you in a high growth portfolio.","start":261.02,"end":263.28,"sentiment":"neutral","sentiment_score":0.20043406387170157},{"text":"You were quite comfortable with that, and that was mainly through, yeah, perfect, maximize that growth.","start":263.82,"end":269.065,"sentiment":"neutral","sentiment_score":0.2664042313117534},{"text":"You have plenty of time much over time and not changing anything there for you.","start":269.065,"end":274.125,"sentiment":"neutral","sentiment_score":0.17672674457232157}],"sentiment":"neutral","sentiment_score":0.23133143215481913,"num_words":67,"start":251.46501,"end":274.125},{"sentences":[{"text":"Now the the kind of the most interesting part would be page 12 when you can have a look at it and page 14.","start":275.305,"end":285.76,"sentiment":"neutral","sentiment_score":0.17252152288953462},{"text":"Or even if you can look at page 14, that will be good.","start":285.97998,"end":290.32,"sentiment":"neutral","sentiment_score":0.16202291158529428},{"text":"Let me know if you can see that.","start":297.27502,"end":299.05502,"sentiment":"neutral","sentiment_score":0.06958010047674179},{"text":"It can be fifth.","start":306.72998,"end":308.11,"sentiment":"neutral","sentiment_score":0.057892750948667526},{"text":"It's in the the one that has the link.","start":311.13,"end":313.21,"sentiment":"neutral","sentiment_score":0.057459955828057394}],"sentiment":"neutral","sentiment_score":0.13020975534515133,"num_words":58,"start":275.305,"end":313.21},{"sentences":[{"text":"So if you click on the link, sorry, where it says it gets you to sign, but you can open up first.","start":313.21,"end":319.38998,"sentiment":"neutral","sentiment_score":0.03199610114097595},{"text":"You don't have to sign anything right away.","start":319.615,"end":321.63498,"sentiment":"neutral","sentiment_score":-0.046727614710107446},{"text":"That is the actual research paper.","start":322.495,"end":324.97498,"sentiment":"neutral","sentiment_score":0.09791270643472672},{"text":"All the other documents, it's more the supporting research for you.","start":324.97498,"end":330.09497,"sentiment":"neutral","sentiment_score":0.15788773785937915},{"text":"So that is basically everything you need to know about hub twenty four and the product and the investment.","start":330.09497,"end":335.18,"sentiment":"neutral","sentiment_score":0.17120051462399333}],"sentiment":"neutral","sentiment_score":0.08950218848996994,"num_words":66,"start":313.21,"end":335.18},{"sentences":[{"text":"It's all in there.","start":335.88,"end":336.92,"sentiment":"neutral","sentiment_score":0.12840569950640202},{"text":"But the the main advice is when you click on that link.","start":336.92,"end":340.14,"sentiment":"neutral","sentiment_score":0.0858018659055233},{"text":"Yep.","start":341.88,"end":342.38,"sentiment":"neutral","sentiment_score":0.046622201800346375},{"text":"And then if you can scroll down.","start":342.6,"end":345.26,"sentiment":"neutral","sentiment_score":0.031977862651859014},{"text":"Yes.","start":346.255,"end":346.575,"sentiment":"neutral","sentiment_score":0.03664153069257736}],"sentiment":"neutral","sentiment_score":0.07401415839791298,"num_words":25,"start":335.88,"end":346.575},{"sentences":[{"text":"It can be 15 because sometimes it factors in the cover page, but it's the heading with the the comparison.","start":346.575,"end":352.83502,"sentiment":"neutral","sentiment_score":0.04060950102284551},{"text":"Yep.","start":354.495,"end":354.975,"sentiment":"neutral","sentiment_score":0.2017945498228073},{"text":"Perfect.","start":354.975,"end":355.475,"sentiment":"positive","sentiment_score":0.41565659642219543},{"text":"So this is basically just a bit of a snapshot where all the math and everything that goes into it.","start":356.17502,"end":362.13998,"sentiment":"neutral","sentiment_score":0.1892699509859085},{"text":"That's kind of been outlined in Word as well for you.","start":362.13998,"end":365.03998,"sentiment":"neutral","sentiment_score":0.16338558224114505}],"sentiment":"neutral","sentiment_score":0.13230719983155997,"num_words":53,"start":346.575,"end":365.03998},{"sentences":[{"text":"But this is sometimes just like a quick and easy way to see it.","start":365.25998,"end":368.37997,"sentiment":"neutral","sentiment_score":0.05013602360018662},{"text":"So you can see here, at the top, recommending staying with hub twenty four.","start":368.37997,"end":373.84,"sentiment":"neutral","sentiment_score":0.08000244359884943},{"text":"Now I did research on the SMA, but then also different portfolios.","start":374.165,"end":379.225,"sentiment":"neutral","sentiment_score":0.015430778303804496},{"text":"And from the research at the moment, I have recommended similar structure to what you currently have, just changing the portfolio.","start":379.845,"end":388.32,"sentiment":"neutral","sentiment_score":0.0008006202323096139},{"text":"So not the SMA at this stage.","start":388.32,"end":390.82,"sentiment":"neutral","sentiment_score":-0.144987020109381}],"sentiment":"neutral","sentiment_score":0.01483840830213226,"num_words":68,"start":365.25998,"end":390.82},{"sentences":[{"text":"The reason I chose not to recommend the SMA was that by making the changes through the SMA, there was a lot of changes to your investment.","start":391.36,"end":402.41998,"sentiment":"neutral","sentiment_score":-0.22703556688847365},{"text":"And by selling down your investments, that one specially specifically that have done really well means that you have to pay a capital gains tax when you sell the investment.","start":403.095,"end":414.155,"sentiment":"neutral","sentiment_score":-0.08087847890953223},{"text":"So by switching you to the SMA, the capital gains tax would be about 3,178.","start":415.095,"end":426.75998,"sentiment":"neutral","sentiment_score":0.034185145919521646},{"text":"So pretty decent.","start":427.37997,"end":428.915,"sentiment":"neutral","sentiment_score":0.25381524364153546},{"text":"The SMA was still really good, but because your investments have done pretty good, I just didn't think it was worth it paying that extra tax, specifically, when another portfolio that we have is actually performed a little bit better than the SMA currently, and the capital gain yeah.","start":429.455,"end":448.79,"sentiment":"neutral","sentiment_score":0.026021966558634018}],"sentiment":"neutral","sentiment_score":-0.04844367251761498,"num_words":124,"start":391.36,"end":448.79},{"sentences":[{"text":"The capital gains tax was only a $165.","start":448.79,"end":451.93,"sentiment":"neutral","sentiment_score":-0.04085705103352666},{"text":"So quite a big difference, which is why you can see that difference at the top on the balance row where it says negative, that's the capital gains tax.","start":452.23,"end":462.00497,"sentiment":"neutral","sentiment_score":-0.04027678110990031},{"text":"So it's it's quite low in comparison, and the recommended portfolio has actually done better both when looking at the one year, the three year, and the five year rolling average.","start":462.00497,"end":473.59,"sentiment":"neutral","sentiment_score":-0.010743763658308213},{"text":"So factoring in all of that, I was like, no.","start":474.21,"end":477.57,"sentiment":"neutral","sentiment_score":-0.17022074162960052},{"text":"SMA isn't the best one for you right now, and there's other better options.","start":477.57,"end":481.75,"sentiment":"neutral","sentiment_score":-0.2597008092062814}],"sentiment":"neutral","sentiment_score":-0.07789085303311763,"num_words":92,"start":448.79,"end":481.75},{"sentences":[{"text":"It's not to say that, you know, down the track, if we do research, you know, the estimate might be more competitive for you.","start":482.94498,"end":488.785,"sentiment":"neutral","sentiment_score":-0.13898541002223888},{"text":"But right now, it just wasn't worth paying additional tax, like, especially when the returns weren't going to outweigh those.","start":488.785,"end":496.16498,"sentiment":"negative","sentiment_score":-0.34085711762309073},{"text":"Does that make sense?","start":497.2,"end":498.34,"sentiment":"neutral","sentiment_score":0.10202878713607788},{"text":"Yeah.","start":499.2,"end":499.7,"sentiment":"positive","sentiment_score":0.35131239891052246},{"text":"Perfect.","start":499.84,"end":500.34,"sentiment":"neutral","sentiment_score":0.08602689951658249}],"sentiment":"neutral","sentiment_score":-0.18614675492048263,"num_words":50,"start":482.94498,"end":500.34},{"sentences":[{"text":"Now, otherwise, you will see that by actually making the change to the new portfolio, again, keeping you within a high growth portfolio, the investment fee is actually cheaper.","start":501.28,"end":513.685,"sentiment":"positive","sentiment_score":0.426525194583268},{"text":"So you are saving about $334 a year in just like admin fees investment fees just by half of 24, which is still pretty good.","start":513.98505,"end":525.04504,"sentiment":"positive","sentiment_score":0.5293785953521728},{"text":"And the biggest thing is, though, the change in the investment return.","start":527.06,"end":530.84,"sentiment":"neutral","sentiment_score":0.079129363099734},{"text":"So you can see here the five year rolling average difference.","start":531.14,"end":534.44,"sentiment":"neutral","sentiment_score":0.044043103232979774},{"text":"Now, obviously, we can never guarantee what's going to happen.","start":534.98,"end":538.065,"sentiment":"neutral","sentiment_score":-0.05905115716159344}],"sentiment":"neutral","sentiment_score":0.30399092468807754,"num_words":87,"start":501.28,"end":538.065},{"sentences":[{"text":"You never know what's going to happen in the market and the world.","start":538.065,"end":541.125,"sentiment":"neutral","sentiment_score":-0.04547329619526863},{"text":"Especially, the last twelve months have been very unpredictable, but that is also why we like to use a five year rolling average, which is if we are using a five year rolling average, averaging out over five years and then using that as a yearly, it gives us a better indication of how the portfolio has done, but also the market as well.","start":541.265,"end":562.12,"sentiment":"neutral","sentiment_score":0.05884346118546091},{"text":"Because some years, it would have looked like you've won the lottery.","start":562.12,"end":564.77997,"sentiment":"neutral","sentiment_score":-0.0031721072737127542},{"text":"Other years, not so great.","start":565.28503,"end":566.805,"sentiment":"neutral","sentiment_score":-0.13719111680984497},{"text":"So using five years gives us a bit more kind of certainty.","start":566.805,"end":570.105,"sentiment":"neutral","sentiment_score":-0.00014306294421354945}],"sentiment":"neutral","sentiment_score":0.02310463244025156,"num_words":106,"start":538.065,"end":570.105},{"sentences":[{"text":"Does that make sense?","start":570.245,"end":571.305,"sentiment":"neutral","sentiment_score":0.04023712733760476},{"text":"Yeah.","start":572.085,"end":572.585,"sentiment":"neutral","sentiment_score":0.1808384656906128},{"text":"Perfect.","start":572.645,"end":573.125,"sentiment":"positive","sentiment_score":0.36626458168029785},{"text":"So you can see here that that five year rolling average, it's pretty big difference between your current and the new recommended portfolio, which is great.","start":573.125,"end":581.66003,"sentiment":"neutral","sentiment_score":0.21792901966434258},{"text":"Yep.","start":582.92,"end":583.42,"sentiment":"neutral","sentiment_score":0.11159837245941162}],"sentiment":"neutral","sentiment_score":0.1965395284985954,"num_words":33,"start":570.245,"end":583.42},{"sentences":[{"text":"If you scroll down one page, you will actually see a bit more where I projected five and ten years forward, assuming everything kind of stays the same where things you potentially be on track through.","start":583.56,"end":597.435,"sentiment":"neutral","sentiment_score":0.10618675789899296},{"text":"And you can kind of see then the compound's different in that just returns and fees alone.","start":597.435,"end":602.235,"sentiment":"neutral","sentiment_score":0.08540035039186478},{"text":"And that is staying with that 24, which is a pretty good difference.","start":602.235,"end":605.695,"sentiment":"neutral","sentiment_score":0.16476673174362916},{"text":"And then underneath that table, you can then see a bit more of the returns as well.","start":607.85004,"end":612.89,"sentiment":"neutral","sentiment_score":0.07617145601440878},{"text":"You can kinda see the twelve month, three, and five years.","start":612.89,"end":615.93,"sentiment":"neutral","sentiment_score":0.10088764740662141}],"sentiment":"neutral","sentiment_score":0.10448059178096183,"num_words":94,"start":583.56,"end":615.93},{"sentences":[{"text":"And even across all those, it has improved, which again is great.","start":615.93,"end":620.43,"sentiment":"neutral","sentiment_score":0.28372546285390854},{"text":"Yep.","start":620.505,"end":621.005,"sentiment":"neutral","sentiment_score":0.15770085155963898},{"text":"Perfect.","start":622.105,"end":622.605,"sentiment":"neutral","sentiment_score":0.2810468375682831},{"text":"Now if you then wanna scroll up for me through page 12.","start":622.905,"end":627.325,"sentiment":"neutral","sentiment_score":0.10849400237202644},{"text":"Yep.","start":628.985,"end":629.485,"sentiment":"neutral","sentiment_score":0.05427127704024315}],"sentiment":"neutral","sentiment_score":0.19257972403256982,"num_words":27,"start":615.93,"end":629.485},{"sentences":[{"text":"Now you can see that investment table.","start":629.625,"end":631.885,"sentiment":"neutral","sentiment_score":0.045085875051362176},{"text":"Yep.","start":633.32,"end":633.64,"sentiment":"neutral","sentiment_score":0.20536139607429504},{"text":"Perfect.","start":633.64,"end":634.14,"sentiment":"positive","sentiment_score":0.5209119319915771},{"text":"Now this can look really messy, but, essentially, it shows you the changes in the investment.","start":634.28,"end":639.82,"sentiment":"neutral","sentiment_score":0.05902831838466227},{"text":"So all that ones that has the red is what we are selling, and then you can then see what we are either buying or kind of just rebalancing.","start":640.2,"end":649.145,"sentiment":"neutral","sentiment_score":0.046311110643477274}],"sentiment":"neutral","sentiment_score":0.061654625115571196,"num_words":54,"start":629.625,"end":649.145},{"sentences":[{"text":"So mainly, the the big points is you can see that Ben along Australian equity.","start":651.285,"end":656.085,"sentiment":"neutral","sentiment_score":0.04612488696972529},{"text":"So when I mentioned last time, we are completely swapping out of that one.","start":656.085,"end":659.625,"sentiment":"neutral","sentiment_score":0.009247231563287122},{"text":"We are also updating and selling out of the global ex battery tech and lithium, the agriculture as well.","start":660.02,"end":668.12,"sentiment":"neutral","sentiment_score":0.06458072776072904},{"text":"We're also selling out of the ISHES Asia Global Healthcare and then Vanguard diversify index.","start":668.26,"end":675.16,"sentiment":"neutral","sentiment_score":0.06136863380670547},{"text":"So so that once we're completely swapping out.","start":676.075,"end":678.415,"sentiment":"neutral","sentiment_score":0.04428391857072711}],"sentiment":"neutral","sentiment_score":0.04680520041622746,"num_words":71,"start":651.285,"end":678.415},{"sentences":[{"text":"Now we are still retaining the beta shift cybersecurity for you and just kind of rebalancing at about 6%.","start":678.475,"end":687.215,"sentiment":"neutral","sentiment_score":0.09615950305995188},{"text":"Now this is one of your satellite investments.","start":687.435,"end":690.015,"sentiment":"neutral","sentiment_score":0.06963959475979209},{"text":"So, obviously, AI cybersecurity, it is recently has seen a bit of fluctuations, but long term as well, there's a lot of opportunity in that space, obviously, with everything going on in the world with AI.","start":690.235,"end":703.16,"sentiment":"neutral","sentiment_score":0.13670968854178986},{"text":"So this one is one of those investments that do have a potential growth opportunity, but they can fluctuate a lot more, which is why it's only at 6%.","start":704.125,"end":714.625,"sentiment":"neutral","sentiment_score":0.08127186351038258},{"text":"You then have Europe, which you already had in your portfolio.","start":717.18,"end":721.44,"sentiment":"neutral","sentiment_score":0.17925941944122314}],"sentiment":"neutral","sentiment_score":0.11295566756676123,"num_words":103,"start":678.475,"end":721.44},{"sentences":[{"text":"Now that one has done pretty good.","start":721.74,"end":723.58,"sentiment":"positive","sentiment_score":0.42868031348500935},{"text":"We're just increasing the target to 9%.","start":723.58,"end":727.2,"sentiment":"neutral","sentiment_score":0.3017083363873618},{"text":"Otherwise, keeping it in the portfolio.","start":727.73505,"end":729.59503,"sentiment":"neutral","sentiment_score":0.16973154495159784},{"text":"It is a very good diversified ETF in that invest in a lot of the big companies in Europe.","start":729.655,"end":737.515,"sentiment":"neutral","sentiment_score":0.29741236724351583},{"text":"So a lot of the kind of mid size to large companies, mainly in, you know, The UK, Germany, France, Switzerland, a couple of others as well.","start":737.815,"end":747.05,"sentiment":"neutral","sentiment_score":0.23961594038539463}],"sentiment":"neutral","sentiment_score":0.27653901798255515,"num_words":66,"start":721.74,"end":747.05},{"sentences":[{"text":"So it gives you good diversification around the globe.","start":747.05,"end":750.59,"sentiment":"positive","sentiment_score":0.33957186341285706},{"text":"You then have, the ISHIS S and P 500 keeping that in the portfolio.","start":752.33,"end":756.51,"sentiment":"neutral","sentiment_score":0.2261544167995453},{"text":"It is a good staple.","start":756.57,"end":757.96497,"sentiment":"positive","sentiment_score":0.4362533390522003},{"text":"Again, super diversified because this invest in the 500 largest companies listed in The US.","start":758.265,"end":765.005,"sentiment":"neutral","sentiment_score":0.2397995928923289},{"text":"So within that one single investment, you do have 500 companies very diversified.","start":765.305,"end":770.54,"sentiment":"neutral","sentiment_score":0.2362434405546922}],"sentiment":"neutral","sentiment_score":0.2691381057458265,"num_words":56,"start":747.05,"end":770.54},{"sentences":[{"text":"So that is kind of far forms the part of your core.","start":771.08,"end":775.66003,"sentiment":"positive","sentiment_score":0.3791205498079459},{"text":"So kind of a bit more of those a little bit more stable investment that kind of grows steadily, still invest in shares.","start":775.8,"end":782.86,"sentiment":"positive","sentiment_score":0.4463753389275592},{"text":"It's just very diversified for you.","start":783.4,"end":785.295,"sentiment":"positive","sentiment_score":0.6033000946044922},{"text":"Yep.","start":786.255,"end":786.755,"sentiment":"neutral","sentiment_score":0.22794966399669647},{"text":"You then have kind of the bottom.","start":787.695,"end":789.45496,"sentiment":"neutral","sentiment_score":0.2207136175462178}],"sentiment":"positive","sentiment_score":0.41242499892808954,"num_words":49,"start":771.08,"end":789.45496},{"sentences":[{"text":"So one, two, three, four, five, which are the ones we are then adding to your portfolio instead of the other ones.","start":789.45496,"end":794.995,"sentiment":"neutral","sentiment_score":0.19596679508686066},{"text":"So instead of the iShares Asia, we've swapped it for iShares Japan.","start":795.295,"end":799.795,"sentiment":"neutral","sentiment_score":0.1576260526974996},{"text":"It has done a little bit better and a bit more targeted.","start":800.21,"end":803.35,"sentiment":"positive","sentiment_score":0.4141140232483546},{"text":"Again, only keeping it at 5%, but there are a lot of opportunities in that space.","start":803.49,"end":809.19,"sentiment":"neutral","sentiment_score":0.2883507600054145},{"text":"You then have 8% in Vanguard All World.","start":809.97003,"end":813.33,"sentiment":"neutral","sentiment_score":0.19232730381190777}],"sentiment":"neutral","sentiment_score":0.24749115705490113,"num_words":70,"start":789.45496,"end":813.33},{"sentences":[{"text":"Now this is another ETF that invests in companies all around the globe, but it excludes The US because you already have the exposure to The US in that iShares S and P 500.","start":813.33,"end":826.35504,"sentiment":"neutral","sentiment_score":0.08612620041650884},{"text":"So we don't want too much in one market either.","start":826.35504,"end":828.59503,"sentiment":"neutral","sentiment_score":-0.028941535693593323},{"text":"We wanna make sure we diversify things for you.","start":828.59503,"end":831.54,"sentiment":"neutral","sentiment_score":0.16783725718657175},{"text":"Yep.","start":832.5,"end":833.0,"sentiment":"neutral","sentiment_score":0.12375634163618088},{"text":"Then the kind of swap for the Benelon, because we also wanna make sure you have exposure to the Australian market, is we then introduced the BetaShares Australia 200.","start":833.86,"end":844.75995,"sentiment":"neutral","sentiment_score":0.17958158306006727}],"sentiment":"neutral","sentiment_score":0.11422931352147765,"num_words":83,"start":813.33,"end":844.75995},{"sentences":[{"text":"So instead of bending along where it is a active managed fund where they're trying to outperform the market, which hasn't really turned out that great lately, the ISHES the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia.","start":844.82,"end":865.51,"sentiment":"neutral","sentiment_score":0.23073787227272988},{"text":"So you don't have that whole kind of which is why the fees are a bit cheaper because you don't have as much research going into trying to pick and choose the best companies.","start":866.21,"end":875.27,"sentiment":"neutral","sentiment_score":0.21832354651654468},{"text":"It follows the biggest one, which makes it kind of easy and a bit smoother with volatility and fluctuations.","start":875.57,"end":882.40497,"sentiment":"positive","sentiment_score":0.48240612211980316},{"text":"And it has outperformed the Benelung as well.","start":883.425,"end":886.325,"sentiment":"positive","sentiment_score":0.49683260917663574},{"text":"So that's that one, that's kind of swapping because, again, we wanna make sure you have diversification again through Australia.","start":886.625,"end":893.66,"sentiment":"neutral","sentiment_score":0.23388868048787118}],"sentiment":"neutral","sentiment_score":0.2807484351041663,"num_words":131,"start":844.82,"end":893.66},{"sentences":[{"text":"Just a different option.","start":894.04,"end":895.26,"sentiment":"neutral","sentiment_score":0.06558564119040966},{"text":"Does that all make sense so far?","start":895.32,"end":896.94,"sentiment":"neutral","sentiment_score":0.09815506956407002},{"text":"Yeah.","start":897.64,"end":898.04,"sentiment":"positive","sentiment_score":0.48520827293396},{"text":"Perfect.","start":898.04,"end":898.54,"sentiment":"positive","sentiment_score":0.7124292850494385},{"text":"Now with your invest defensive, we do wanna have a little bit of that defensive component as well to your portfolio.","start":898.92,"end":905.545,"sentiment":"neutral","sentiment_score":0.27750552055381594}],"sentiment":"neutral","sentiment_score":0.23454945709775477,"num_words":34,"start":894.04,"end":905.545},{"sentences":[{"text":"Not too much, though, because we're trying to maximize that growth, still have a little bit.","start":906.00494,"end":910.725,"sentiment":"neutral","sentiment_score":0.22375310258939862},{"text":"So we have 7% of gold included in your portfolio.","start":910.725,"end":914.345,"sentiment":"neutral","sentiment_score":0.30553606152534485},{"text":"It's done really well lately, and it's a good just kind of those stable all around to your portfolio.","start":915.285,"end":921.0,"sentiment":"positive","sentiment_score":0.5297162344581202},{"text":"And then we have 5% in a fixed interest.","start":922.34,"end":925.4,"sentiment":"neutral","sentiment_score":0.1525460249847836},{"text":"Again, to kind of limit fluctuations a little bit.","start":925.46,"end":928.28,"sentiment":"neutral","sentiment_score":0.13595188326305813}],"sentiment":"neutral","sentiment_score":0.3062936489780744,"num_words":63,"start":906.00494,"end":928.28},{"sentences":[{"text":"So that is essentially the changes to the investment.","start":928.58,"end":932.04004,"sentiment":"neutral","sentiment_score":0.14801522923840416},{"text":"So overall, that's a structural, not major changes.","start":932.34,"end":935.47504,"sentiment":"neutral","sentiment_score":0.16930369660258293},{"text":"It's just swapping out different kind of industries and sectors for better options.","start":935.47504,"end":940.05505,"sentiment":"neutral","sentiment_score":0.13132600486278534},{"text":"Yeah.","start":941.23505,"end":941.715,"sentiment":"neutral","sentiment_score":0.206699401140213},{"text":"Perfect.","start":941.715,"end":942.11505,"sentiment":"positive","sentiment_score":0.40511611104011536}],"sentiment":"neutral","sentiment_score":0.1564256316050887,"num_words":32,"start":928.58,"end":942.11505},{"sentences":[{"text":"Do you have any questions in regards to that?","start":942.11505,"end":944.29504,"sentiment":"neutral","sentiment_score":0.12401970227559407},{"text":"No.","start":945.395,"end":945.895,"sentiment":"neutral","sentiment_score":-0.033095959573984146},{"text":"Perfect.","start":946.11505,"end":946.61505,"sentiment":"neutral","sentiment_score":0.18486174941062927},{"text":"Now if you wanna scroll to the next page, which is page 13, you can then see kind of that we are staying within your high growth.","start":947.16,"end":955.82,"sentiment":"neutral","sentiment_score":0.13243766266990592},{"text":"So this shows you the risk profile, which is the nine to 10 or often goes through 95, ten and five, your existing portfolio and the proposed.","start":956.12,"end":967.245,"sentiment":"neutral","sentiment_score":0.1266807403277468}],"sentiment":"neutral","sentiment_score":0.1271406152500556,"num_words":65,"start":942.11505,"end":967.245},{"sentences":[{"text":"So both are aligning with your high growth where we are trying to maximize that growth for you.","start":967.78503,"end":973.965,"sentiment":"neutral","sentiment_score":0.28313933726814056},{"text":"Yep.","start":975.24005,"end":975.74005,"sentiment":"neutral","sentiment_score":0.11517423391342164},{"text":"Now that is most of the information, to be fair.","start":977.56006,"end":980.36005,"sentiment":"neutral","sentiment_score":0.14918672144412995},{"text":"The last thing I do wanna mention is page 18 where it talks about remuneration.","start":980.36005,"end":985.42004,"sentiment":"neutral","sentiment_score":0.08171076029539108},{"text":"Just let me know if you can see that.","start":988.135,"end":989.495,"sentiment":"neutral","sentiment_score":0.13440570069683921}],"sentiment":"neutral","sentiment_score":0.1724313628279938,"num_words":53,"start":967.78503,"end":989.495},{"sentences":[{"text":"Yeah.","start":989.495,"end":989.975,"sentiment":"neutral","sentiment_score":0.15229594707489014},{"text":"So there is no changes whatsoever in regards to the ongoing advice fee.","start":989.975,"end":995.65497,"sentiment":"neutral","sentiment_score":0.11854264369377723},{"text":"It stays the same at 1.65 from your super balance.","start":995.65497,"end":1000.555,"sentiment":"neutral","sentiment_score":0.23719798773527145},{"text":"So if you are happy to go ahead with this change, there is no additional fees whatsoever.","start":1000.91003,"end":1005.89,"sentiment":"neutral","sentiment_score":0.28893645677496405},{"text":"It is all part of that ongoing advice fee for you.","start":1006.03,"end":1009.09,"sentiment":"neutral","sentiment_score":0.22824149646542288}],"sentiment":"neutral","sentiment_score":0.22092127728347594,"num_words":52,"start":989.495,"end":1009.09},{"sentences":[{"text":"Yep.","start":1010.19,"end":1010.69,"sentiment":"neutral","sentiment_score":0.18076446652412417},{"text":"And then it basically just recaps everything at the bottom, how to implement it.","start":1011.95,"end":1016.775,"sentiment":"neutral","sentiment_score":0.22258158773183823},{"text":"So, basically, from here on is if you were happy to go ahead by making this investment changes, it would just be for you to sign the document that will then come through to me.","start":1016.935,"end":1028.6951,"sentiment":"neutral","sentiment_score":0.2006683842412063},{"text":"I will let the team know, and then we can go ahead and make this change for you all in the back end.","start":1028.6951,"end":1033.85,"sentiment":"neutral","sentiment_score":0.3332185272289359},{"text":"So when you do go into Hub 24, you will see it.","start":1033.85,"end":1036.9701,"sentiment":"neutral","sentiment_score":0.18373999744653702}],"sentiment":"neutral","sentiment_score":0.23752007339807119,"num_words":85,"start":1010.19,"end":1036.9701},{"sentences":[{"text":"So you don't have to do anything aside from, obviously, if you are happy to go ahead.","start":1036.9701,"end":1041.63,"sentiment":"neutral","sentiment_score":0.2692227503832649},{"text":"If you wanna take some time, though, to read over the document, you are more than welcome to as well.","start":1042.715,"end":1047.615,"sentiment":"neutral","sentiment_score":0.2850221745669842},{"text":"Yep.","start":1049.515,"end":1050.015,"sentiment":"neutral","sentiment_score":0.2329075038433075},{"text":"Now do you have any other questions for me otherwise today, or was that fairly straightforward?","start":1051.515,"end":1057.055,"sentiment":"neutral","sentiment_score":0.1088528735563159},{"text":"Yeah.","start":1059.98,"end":1060.46,"sentiment":"positive","sentiment_score":0.41401249170303345}],"sentiment":"neutral","sentiment_score":0.23028720400550148,"num_words":55,"start":1036.9701,"end":1060.46},{"sentences":[{"text":"Perfect.","start":1060.46,"end":1060.96,"sentiment":"positive","sentiment_score":0.5070277452468872},{"text":"Now there is one more thing that I have here, which is just that the ID we have on file for you has expired.","start":1062.0599,"end":1069.2,"sentiment":"neutral","sentiment_score":0.013617650916179022},{"text":"Did you recently receive a new driver's license or anything a little while ago?","start":1069.58,"end":1075.945,"sentiment":"neutral","sentiment_score":-0.010454942139663867},{"text":"No.","start":1079.205,"end":1079.525,"sentiment":"neutral","sentiment_score":-0.041206903755664825},{"text":"That's 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easiest?","start":1105.885,"end":1106.945,"sentiment":"neutral","sentiment_score":0.02866106666624546},{"text":"Yep.","start":1111.245,"end":1111.745,"sentiment":"neutral","sentiment_score":0.06591778248548508},{"text":"Yep.","start":1113.5,"end":1113.82,"sentiment":"neutral","sentiment_score":0.12896046042442322}],"sentiment":"neutral","sentiment_score":0.04646392741843181,"num_words":68,"start":1082.565,"end":1113.82},{"sentences":[{"text":"Alright.","start":1113.82,"end":1114.14,"sentiment":"positive","sentiment_score":0.34573110938072205},{"text":"Perfect.","start":1114.14,"end":1114.54,"sentiment":"positive","sentiment_score":0.5489150881767273},{"text":"I will send you an email, and then you can just when you have a moment, just respond with the front and the back of your license.","start":1114.54,"end":1120.48,"sentiment":"neutral","sentiment_score":0.2653490509147997},{"text":"And then, yeah, have a read through the documents.","start":1121.5,"end":1123.76,"sentiment":"neutral","sentiment_score":0.22897227936320835},{"text":"Any questions or changes, you know, just let me know.","start":1123.98,"end":1126.96,"sentiment":"neutral","sentiment_score":0.2044462487101555}],"sentiment":"neutral","sentiment_score":0.2534225744505723,"num_words":48,"start":1113.82,"end":1126.96},{"sentences":[{"text":"Otherwise, I'll keep a lookout for the documents because if you do sign it, I will get notified to obviously say that you wanna go ahead, and then we can go ahead and make these changes for you.","start":1127.205,"end":1137.7849,"sentiment":"neutral","sentiment_score":0.28351807006095586},{"text":"Yep.","start":1138.965,"end":1139.46,"sentiment":"neutral","sentiment_score":0.32769709825515747},{"text":"Perfect.","start":1139.86,"end":1140.36,"sentiment":"positive","sentiment_score":0.7219421863555908},{"text":"Well, if you don't have any other questions for me, Jasmine, I will let you go and enjoy your afternoon.","start":1141.2999,"end":1146.0399,"sentiment":"positive","sentiment_score":0.46725533679127695},{"text":"But if you do have if you do have any other questions or need anything else at any point in time, you can either just respond to that email or just give me a call, and we can always book you in for another catch up.","start":1146.6599,"end":1158.855,"sentiment":"neutral","sentiment_score":0.1617024275271789}],"sentiment":"neutral","sentiment_score":0.26987494668870604,"num_words":106,"start":1127.205,"end":1158.855},{"sentences":[{"text":"No problem at all.","start":1158.855,"end":1159.655,"sentiment":"positive","sentiment_score":0.7235671877861023},{"text":"I look forward to speaking with you soon 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It's Jasmine. I missed your call. Yep. Yeah. That's fine. Okay. Yeah. I can have a look to see if they've come through. Yep. Okay. Oh, yeah. Yep. Yeah. I'll just check. Yes. They've come through. Yeah. That yep. Yep. Yeah. Yep. I do remember that. Yep. Yep. Yep. Yep. Yep. I can. Yep. Yeah. Yep. Yes. Okay. Yep. Yep. Okay. Yep. Yep. I call. Yep. Yeah. Yep. Yep. Mhmm. Yeah. Yep. Yep. Okay. Yeah. That's fine. Yeah. Yep. Yep. Alright. And which is which booklet is that in? Oh, yep. Yep. Yep. Okay. The page 14? Yep. Okay. Yep. Yes. Yes. Okay. Yep. Okay. Yes. Okay. Yep. Okay. Yep. Yeah. That's fine. Yep. Okay. Yep. Yeah. Yep. Yep. Yep. Yep. Okay. Yeah. That's good. Yep. Yep. Yeah. Yep. Yeah. Yep. Okay. Yeah. Yep. Yes. Yep. Yeah. Yeah. Yes. Yep. Yep. Yes. Yeah. It is. Yeah. Yep. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Okay. Yes. Yep. Okay. Yep. Okay. Okay. Yep. Yep. Okay. Mhmm. Yep. I can. Yep. Yep. Okay. Mhmm. Okay. Yep. Okay. Yep. Yes. Yep. Mhmm. Yep. Okay. Yep. Can. No. Not at all. Yep. Yep. Okay. Yep. Yep. Okay. Not a problem. Yep. Yep. That's okay. Thanks. No. That was good, actually. I did a little while ago. Yep. Yep. If you just send me an email address and then I can, yeah, send it through. Yep. Okay. Sounds good. Excellent. Thank you. Okay. Excellent. Thank you so much. You too. 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It's Jasmine. I missed your call. Yep. Yeah.\n\nThat's fine. Okay. Yeah. I can have a look to see if they've come through. Yep.\n\nOkay. Oh, yeah. Yep. Yeah. I'll just check.\n\nYes. They've come through. Yeah. That yep. Yep.\n\nYeah. Yep. I do remember that. Yep. Yep.\n\nYep. Yep. Yep. I can. Yep.\n\nYeah. Yep. Yes. Okay. Yep.\n\nYep. Okay. Yep. Yep. I call.\n\nYep. Yeah. Yep. Yep. Mhmm.\n\nYeah. Yep. Yep. Okay. Yeah.\n\nThat's fine. Yeah. Yep. Yep. Alright.\n\nAnd which is which booklet is that in? Oh, yep. Yep. Yep. Okay.\n\nThe page 14? Yep. Okay. Yep. Yes.\n\nYes. Okay. Yep. Okay. Yes.\n\nOkay. Yep. Okay. Yep. Yeah.\n\nThat's fine. Yep. Okay. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. That's good. Yep. Yep. Yeah.\n\nYep. Yeah. Yep. Okay. Yeah.\n\nYep. Yes. Yep. Yeah. Yeah.\n\nYes. Yep. Yep. Yes. Yeah.\n\nIt is. Yeah. Yep. Yeah. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. Yep. Okay. Okay. Yes.\n\nYep. Okay. Yep. Okay. Okay.\n\nYep. Yep. Okay. Mhmm. Yep.\n\nI can. Yep. Yep. 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This is Ranka speaking.\n\nChannel 1: Hi, Veronica. It's Jasmine. I missed your call.\n\nChannel 0: Yes. I had you booked in just to go over the the research and the strategy recommendation after our last patch up a few weeks ago.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now is still a good time?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Perfect. I have just sent you an email with some documents.\n\nChannel 1: Okay.\n\nChannel 0: Do you have the option of accessing your emails at the moment?\n\nChannel 1: Yeah. I can have a look to see if they've come through.\n\nChannel 0: Yep. Perfect. If it is tricky for you to access them,\n\nChannel 1: Yep.\n\nChannel 0: you can always have a read over it in your own time when you have like, when it's easier to do so. And\n\nChannel 1: Okay.\n\nChannel 0: if you then have any questions, you can always just give me a callback\n\nChannel 1: Oh, yeah. Yep.\n\nChannel 0: Mhmm. If that's easier. But do let me know if it did come through so at least I know it was received on your end.\n\nChannel 1: Yeah. I'll just check. Yes. They've come through.\n\nChannel 0: Yep. Okay. Perfect. Are you happy for me to kind of run through the recommendation? And then when you have a bit more time, you can just have\n\nChannel 1: Yeah.\n\nChannel 0: a read\n\nChannel 1: That\n\nChannel 0: over it. Yeah.\n\nChannel 1: yep.\n\nChannel 0: Perfect. It is pretty straightforward today, really. After our last conversation, it was mainly in regards to reviewing your superannuation, specifically Ben along to see if we wanted to make some changes to improve the returns and the situation for you and also kind of considering if the SMA was going to be a good option for you. Do you\n\nChannel 1: Yep.\n\nChannel 0: kind of remember that conversation?\n\nChannel 1: Yeah. Yep. I\n\nChannel 0: Yep.\n\nChannel 1: do remember\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Yep. Perfect. So I have done all the research, and I have made a recommendation for you. Now I'll kind of go through it the way that you would look at it when you have a look at it. I'll keep a few things.\n\nA lot of it is just from a compliance point just to make sure you fully\n\nChannel 1: Yep.\n\nChannel 0: understand everything, but it\n\nChannel 1: Yep.\n\nChannel 0: is pretty straightforward. When you have a look at it, you will see that, obviously, the recommendation is tailored just to you specifically, and it has been prepared by me. Now\n\nChannel 1: Yep.\n\nChannel 0: on the cover page, you will see my authorized representative number, which is just my financial license number, and I'm\n\nChannel 1: Yep.\n\nChannel 0: obviously licensed under Oakview Financial.\n\nChannel 1: Yep. I can.\n\nChannel 0: All the recommendations that we do, they have to follow that best interest duty, which means that we have to take your best interest at heart before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Perfect. Now as you have a read through it, you will see a couple of sections talking about scope of the advice. Basically,\n\nChannel 1: Yes.\n\nChannel 0: what that means is just the areas we are looking at today. So pretty straightforward, literally just your and specifically those investments.\n\nChannel 1: Okay.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: kind of what this been this been focused on. Now if there is other things you wanna look at down the track, we can most definitely have a look at that. But today, it's simply just the superannuation to see if we can improve things for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. You will have a couple of pages about just some personal information about you. Just have a look over that when you have a moment just to make sure it's all up to date or if we need to make any changes.\n\nChannel 1: Yep.\n\nChannel 0: Same goes for assets. Just make sure that, you know, that's all up to date as well. Otherwise, when it comes to actually your the actual recommendation so I also researched Hub twenty four for you just to make sure it was still going to be a a good option or if there was any other competitive options out there.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: I call.\n\nChannel 0: at the moment, Hub twenty four still very much is a really good competitive option. So I have recommended that you stay in Hub twenty four and\n\nChannel 1: Yep.\n\nChannel 0: just literally change the investment. So the good thing with Hub twenty four is that there's hundreds of different investment options to choose from,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: was how we can, obviously construct their portfolio. And it's\n\nChannel 1: Yep.\n\nChannel 0: also very competitive from a price point of view with other similar products. And I do use Hub twenty four personally for my superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: And if I didn't think it was great, I wouldn't use it, and I certainly wouldn't tell you to stay. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: at the moment, it's still very much a good option for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now when it comes to your risk profile, we are not making any changes. We are keeping you in a high growth portfolio. You were quite comfortable with that, and that\n\nChannel 1: Yeah.\n\nChannel 0: was mainly\n\nChannel 1: That's fine.\n\nChannel 0: through, yeah, perfect, maximize that growth. You have plenty of time much over time and not\n\nChannel 1: Yeah.\n\nChannel 0: changing anything there for you. Now the the kind of the most interesting part would be page 12 when you can have a look at it and\n\nChannel 1: Yep.\n\nChannel 0: page 14. Or even if you can look at page 14, that will be good.\n\nChannel 1: Yep.\n\nChannel 0: Let me know if you can see that.\n\nChannel 1: Alright.\n\nChannel 0: It can\n\nChannel 1: And\n\nChannel 0: be fifth.\n\nChannel 1: which is which booklet is that in?\n\nChannel 0: It's in the the one that has the link. So if you click on the link, sorry, where it says it gets you to sign, but you can open up first. You\n\nChannel 1: Oh,\n\nChannel 0: don't have\n\nChannel 1: yep.\n\nChannel 0: to sign anything right away.\n\nChannel 1: Yep.\n\nChannel 0: That is the actual research paper. All the other documents, it's more the supporting research for you. So that is basically everything you need to know about hub twenty four and the product and the investment. It's all in there. But the the main advice is when you click on that link.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. And then if you can scroll\n\nChannel 1: The\n\nChannel 0: down.\n\nChannel 1: page 14?\n\nChannel 0: Yes. It can be 15 because sometimes it factors in the cover page, but\n\nChannel 1: Yep.\n\nChannel 0: it's the heading\n\nChannel 1: Okay.\n\nChannel 0: with the the comparison.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So this is basically just a bit of a snapshot where all the math and everything that goes into it. That's kind of been outlined in Word as well for you. But this\n\nChannel 1: Yes.\n\nChannel 0: is sometimes just like a quick and easy way to see it. So you can see here, at the top, recommending staying with hub twenty four. Now\n\nChannel 1: Yes.\n\nChannel 0: I did research on the SMA, but then also different portfolios. And\n\nChannel 1: Okay.\n\nChannel 0: from the research at the moment, I have recommended similar structure to what you currently have, just changing the portfolio. So not the SMA at this stage.\n\nChannel 1: Yep.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: reason I chose not to recommend the SMA was that by making the changes through the SMA, there was a lot of changes to your investment. And\n\nChannel 1: Yes.\n\nChannel 0: by selling down your investments, that one specially specifically that have done really well means that you have to pay a capital gains tax when you sell the investment.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: by switching you to the SMA, the capital gains tax would be about 3,178. So\n\nChannel 1: Okay. Yep.\n\nChannel 0: pretty decent. The SMA was still really good, but because your investments have done pretty good, I just didn't think it was worth it paying that extra tax, specifically, when another portfolio that we have is actually performed a little bit better than the SMA currently, and\n\nChannel 1: Yeah.\n\nChannel 0: the capital\n\nChannel 1: That's fine.\n\nChannel 0: gain yeah. The\n\nChannel 1: Yep.\n\nChannel 0: capital gains tax was only a $165. So\n\nChannel 1: Okay.\n\nChannel 0: quite a big difference,\n\nChannel 1: Yep.\n\nChannel 0: which is why you can see that difference at the top on the balance row where it says\n\nChannel 1: Yeah.\n\nChannel 0: negative,\n\nChannel 1: Yep.\n\nChannel 0: that's the capital gains tax. So it's it's quite low in comparison, and the recommended portfolio has actually done better both when looking at the one year, the three year, and the five year rolling average. So\n\nChannel 1: Yep.\n\nChannel 0: factoring in all of that, I was like, no. SMA isn't the best one for you right now, and there's other better options.\n\nChannel 1: Yep.\n\nChannel 0: It's not to say that, you know, down the track, if we do research, you know, the estimate might be more competitive for you. But right now, it just wasn't worth paying additional tax, like, especially when the returns weren't going to outweigh those.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yeah. Perfect. Now, otherwise, you will see that by actually making the change to the new portfolio, again, keeping you within a high growth portfolio, the investment fee is actually cheaper.\n\nChannel 1: Yep.\n\nChannel 0: So you are saving about $334 a year in just like admin fees investment fees just by half of 24, which is\n\nChannel 1: Yep.\n\nChannel 0: still pretty good.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And the biggest thing is, though, the change in the investment return. So you can see here the five year rolling average difference. Now, obviously, we can never guarantee what's going to happen. You never know what's going to happen in the market and the world. Especially, the last twelve months have been\n\nChannel 1: Yeah.\n\nChannel 0: very unpredictable, but that is\n\nChannel 1: Yep.\n\nChannel 0: also why we like to use a five year rolling average, which is if we\n\nChannel 1: Okay.\n\nChannel 0: are using a five year rolling average, averaging out over five years and then using that as a yearly, it gives us a better indication of how the portfolio has done, but also the market as well. Because some years, it would have looked like you've won the lottery. Other years, not so great. So using\n\nChannel 1: Yeah.\n\nChannel 0: five\n\nChannel 1: Yep.\n\nChannel 0: years gives us a bit more kind of certainty. Does that make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Perfect. So you can see here that that five year rolling average, it's pretty big difference between your current and the new\n\nChannel 1: Yeah.\n\nChannel 0: recommended portfolio, which is great.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yep. If you scroll down one page, you will\n\nChannel 1: Yep.\n\nChannel 0: actually see a bit more where I projected five and ten years forward, assuming\n\nChannel 1: Yep.\n\nChannel 0: everything kind of stays the same where things you potentially be on track through. And you can kind of see then the compound's different in that just returns and fees alone. And that is staying with that 24, which is a\n\nChannel 1: Yes.\n\nChannel 0: pretty good difference.\n\nChannel 1: Yeah. It is.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: underneath that table, you can then see a bit more of the returns as well. You can\n\nChannel 1: Yep.\n\nChannel 0: kinda see the twelve month, three, and five years. And even across all those, it has improved, which again\n\nChannel 1: Yeah.\n\nChannel 0: is great. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you then wanna scroll up for me through page 12.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you can see that investment table.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this can look really messy, but, essentially, it shows you the changes in the investment. So all that ones that has the red is what we are selling, and then you can then see what we are either buying or kind of just rebalancing.\n\nChannel 1: Okay.\n\nChannel 0: So mainly, the the big points is you can see that Ben along Australian equity. So when I mentioned last time, we are completely swapping out of that one. We\n\nChannel 1: Yep.\n\nChannel 0: are also updating and selling out of the global ex battery tech and lithium, the\n\nChannel 1: Yep.\n\nChannel 0: agriculture as well. We're also selling out of the ISHES Asia Global Healthcare\n\nChannel 1: Yep.\n\nChannel 0: and then Vanguard diversify index. So\n\nChannel 1: Yep.\n\nChannel 0: so that once we're completely swapping out. Now\n\nChannel 1: Okay.\n\nChannel 0: we are still retaining the beta shift cybersecurity for you and just kind of rebalancing at about 6%. Now this\n\nChannel 1: Okay.\n\nChannel 0: is one of your satellite investments. So, obviously, AI cybersecurity, it is recently has seen a bit of fluctuations, but long term as well, there's a lot of opportunity in that space, obviously, with everything going on in the world with AI. So this one is one of those investments that do have a potential growth opportunity, but they can fluctuate a lot more, which is why it's only at 6%.\n\nChannel 1: Yes. Yep.\n\nChannel 0: You then have Europe, which you already had in your portfolio. Now that one has done pretty good. We're just increasing the target to 9%.\n\nChannel 1: Okay.\n\nChannel 0: Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: keeping it in the portfolio. It is a very good diversified ETF in that invest in a lot of the big companies in Europe. So a lot of the kind of mid size to large companies, mainly in, you know, The UK, Germany, France, Switzerland, a couple of others as well. So it gives you good diversification around the globe.\n\nChannel 1: Okay.\n\nChannel 0: You then have, the ISHIS S and P 500 keeping that in the portfolio. It is a good staple. Again, super diversified because this invest in the 500 largest companies listed in The US. So within\n\nChannel 1: Okay.\n\nChannel 0: that one single investment, you do have 500 companies very diversified. So that is kind of far forms the part of your core. So kind of\n\nChannel 1: Yep.\n\nChannel 0: a bit more of those a little bit more stable investment that kind of grows steadily, still invest in shares. It's just very diversified for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. You then have kind of the bottom. So one, two, three, four, five, which are the ones we are then adding to your portfolio instead of the other ones. So instead of the iShares Asia, we've swapped it for iShares Japan. It has done a little bit better and a bit more targeted.\n\nAgain, only keeping it at 5%, but there\n\nChannel 1: Mhmm.\n\nChannel 0: are a lot of opportunities in that space. You then have 8% in Vanguard All World. Now this\n\nChannel 1: Yep.\n\nChannel 0: is another ETF that invests in companies all around the globe, but it\n\nChannel 1: I can.\n\nChannel 0: excludes The US because you already have the exposure to The US in that iShares S and P 500. So we don't want too much in one market either. We wanna make sure we diversify things for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Then the kind of swap for the Benelon, because we also wanna make sure you have exposure to the Australian market, is we then introduced the BetaShares Australia 200. So instead of bending along where it is a active managed fund where they're trying to outperform the market, which hasn't really turned out that great lately, the ISHES\n\nChannel 1: Mhmm.\n\nChannel 0: the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia.\n\nChannel 1: Okay.\n\nChannel 0: So you don't have that whole kind of which is why the fees are a bit cheaper because you don't have as much research going into trying to pick and choose the best companies. It follows the biggest one, which\n\nChannel 1: Yep.\n\nChannel 0: makes it kind of easy and a bit smoother with volatility and fluctuations. And it has outperformed the Benelung as well. So\n\nChannel 1: Okay.\n\nChannel 0: that's that one, that's kind of swapping because, again, we wanna make sure you have diversification again through Australia. Just a different\n\nChannel 1: Yep.\n\nChannel 0: option. Does that all make sense so far?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Perfect. Now with your invest defensive, we do wanna have a little bit of that defensive component as well to your portfolio. Not too much, though, because we're trying to maximize that growth, still have a little bit. So we have 7% of gold included in your portfolio.\n\nIt's\n\nChannel 1: Mhmm.\n\nChannel 0: done really well lately, and it's a good just kind of those stable all around to your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: And then we have 5% in a fixed interest. Again, to kind of limit fluctuations a little bit. So\n\nChannel 1: Okay.\n\nChannel 0: that is essentially the changes to the investment. So overall, that's a structural, not major changes. It's just swapping out different kind of industries and sectors for better options.\n\nChannel 1: Yep. Can.\n\nChannel 0: Yeah. Perfect. Do you have any questions in regards to that?\n\nChannel 1: No. Not at all.\n\nChannel 0: No. Perfect. Now if you wanna scroll to the next page, which is page 13, you\n\nChannel 1: Yep.\n\nChannel 0: can then see kind of that we are staying within your high growth. So this shows you the risk profile, which is the nine to 10 or often goes through 95, ten and five, your\n\nChannel 1: Yep.\n\nChannel 0: existing portfolio and the proposed. So both\n\nChannel 1: Okay.\n\nChannel 0: are aligning with your high growth where we are trying to maximize that growth for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now that is most of the information, to be fair. The last thing I do wanna mention is page 18 where it talks about remuneration.\n\nChannel 1: Yep.\n\nChannel 0: Just let me know if you can see that. Yeah. So there is no changes whatsoever in regards to the ongoing advice fee. It stays the same at 1.65 from your super balance. So if you are happy to go ahead with this change, there is no additional fees whatsoever.\n\nIt is all part of that ongoing advice fee for you.\n\nChannel 1: Okay. Not\n\nChannel 0: Yep.\n\nChannel 1: a problem.\n\nChannel 0: And then it basically just recaps everything at the bottom, how to implement it.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, from here on is if you were happy to go ahead by making this investment changes,\n\nChannel 1: Yep.\n\nChannel 0: it would just be for you to sign the document that will then come through to me. I will let the team know, and then we can go ahead and make this change for you all in the back end. So when you do go into Hub 24, you will see it. So you don't have to do anything aside from, obviously, if you are happy to go ahead. If you wanna take some time, though, to read over the document, you are more than welcome to as well.\n\nChannel 1: That's okay. Thanks.\n\nChannel 0: Yep. Now do you have any other questions for me otherwise today, or was that fairly straightforward?\n\nChannel 1: No. That was good, actually.\n\nChannel 0: Yeah. Perfect. Now there is one more thing that I have here, which is just that the ID we have on file for you has expired. Did you recently receive a new driver's license or anything a little while ago?\n\nChannel 1: I did a little while ago.\n\nChannel 0: No. That's okay. When you have a moment, would\n\nChannel 1: Yep.\n\nChannel 0: you be able to email through just a photo of the front and the back of your license\n\nChannel 1: Yep.\n\nChannel 0: just so we can update the records for you? Would you like me to give you the email address, or would you like me to send you an email address and you can just respond to that one? Or what's the easiest?\n\nChannel 1: If you just send me an email address and\n\nChannel 0: Yep.\n\nChannel 1: then I can, yeah, send it through.\n\nChannel 0: Yep. Alright. Perfect. I will send you an email, and then you can just when you have a moment, just respond with the front and the back of your license. And then, yeah, have a read through the documents.\n\nAny questions or changes, you know, just let me know. Otherwise, I'll keep a lookout for the documents because if you do sign it, I will get notified to obviously say that you wanna go ahead, and then we can go ahead and make these changes for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Sounds good.\n\nChannel 0: Perfect. Well, if you don't have any other questions for me, Jasmine, I will let you go and enjoy your afternoon.\n\nChannel 1: Excellent.\n\nChannel 0: But if you\n\nChannel 1: Thank\n\nChannel 0: do\n\nChannel 1: you.\n\nChannel 0: have if you do have any other questions or need anything else at any point in time, you can either just respond to that email or just give me a call, and we can always book you in for another catch\n\nChannel 1: Okay. Excellent. Thank you so much.\n\nChannel 0: up. No problem at all. I look forward to speaking with you soon again.\n\nChannel 1: You too. Thank\n\nChannel 0: Mhmm.\n\nChannel 1: you.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.27835671603679657},{"text":"This is Ranka speaking.","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.15296890027821064}],"sentiment":"neutral","sentiment_score":0.19476483886440596,"channel":0,"num_words":6,"start":1.4399999,"end":3.3},{"sentences":[{"text":"Hi, Veronica.","start":3.52,"end":4.24,"sentiment":"neutral","sentiment_score":0.06890632212162018},{"text":"It's Jasmine.","start":4.24,"end":4.88,"sentiment":"neutral","sentiment_score":0.06797690689563751},{"text":"I missed your call.","start":4.88,"end":5.94,"sentiment":"neutral","sentiment_score":-0.018197203055024147}],"sentiment":"neutral","sentiment_score":0.02512220572680235,"channel":1,"num_words":8,"start":3.52,"end":5.94},{"sentences":[{"text":"Yes.","start":6.3999996,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.13405561447143555},{"text":"I had you booked in just to go over the the research and the strategy recommendation after our last patch up a few weeks ago.","start":6.96,"end":13.94,"sentiment":"neutral","sentiment_score":0.15411087721586228}],"sentiment":"neutral","sentiment_score":0.15333952095646125,"channel":0,"num_words":26,"start":6.3999996,"end":13.94},{"sentences":[{"text":"Yep.","start":14.16,"end":14.595,"sentiment":"neutral","sentiment_score":0.17432431876659393}],"sentiment":"neutral","sentiment_score":0.17432431876659393,"channel":1,"num_words":1,"start":14.16,"end":14.595},{"sentences":[{"text":"Yeah.","start":14.745,"end":15.065,"sentiment":"neutral","sentiment_score":0.2015664279460907},{"text":"Now is still a good time?","start":15.065,"end":16.285,"sentiment":"neutral","sentiment_score":0.2815130477150281}],"sentiment":"neutral","sentiment_score":0.27009210203375134,"channel":0,"num_words":7,"start":14.745,"end":16.285},{"sentences":[{"text":"Yeah.","start":16.355,"end":16.675,"sentiment":"neutral","sentiment_score":0.22604933381080627},{"text":"That's fine.","start":16.675,"end":17.415,"sentiment":"positive","sentiment_score":0.33493536710739136}],"sentiment":"neutral","sentiment_score":0.29864002267519635,"channel":1,"num_words":3,"start":16.355,"end":17.415},{"sentences":[{"text":"Yeah.","start":17.145,"end":17.645,"sentiment":"positive","sentiment_score":0.4078481197357178},{"text":"Perfect.","start":17.865,"end":18.365,"sentiment":"positive","sentiment_score":0.6620432138442993},{"text":"I have just sent you an email with some documents.","start":18.585,"end":22.205,"sentiment":"positive","sentiment_score":0.33502176105976106}],"sentiment":"positive","sentiment_score":0.3683424120148023,"channel":0,"num_words":12,"start":17.145,"end":22.205},{"sentences":[{"text":"Okay.","start":22.835,"end":23.335,"sentiment":"neutral","sentiment_score":0.10090339183807372}],"sentiment":"neutral","sentiment_score":0.10090339183807372,"channel":1,"num_words":1,"start":22.835,"end":23.335},{"sentences":[{"text":"Do you have the option of accessing your emails at the moment?","start":23.704998,"end":27.485,"sentiment":"neutral","sentiment_score":0.06789182871580124}],"sentiment":"neutral","sentiment_score":0.06789182871580124,"channel":0,"num_words":12,"start":23.704998,"end":27.485},{"sentences":[{"text":"Yeah.","start":29.09,"end":29.33,"sentiment":"neutral","sentiment_score":0.0615655817091465},{"text":"I can have a look to see if they've come through.","start":29.33,"end":31.669998,"sentiment":"neutral","sentiment_score":0.08461196923797781}],"sentiment":"neutral","sentiment_score":0.08269143694390853,"channel":1,"num_words":12,"start":29.09,"end":31.669998},{"sentences":[{"text":"Yep.","start":32.03,"end":32.53,"sentiment":"neutral","sentiment_score":0.17014828324317932},{"text":"Perfect.","start":32.59,"end":33.09,"sentiment":"neutral","sentiment_score":0.31421834230422974},{"text":"If it is tricky for you to access them,","start":34.11,"end":37.25,"sentiment":"neutral","sentiment_score":0.02432686256037818}],"sentiment":"neutral","sentiment_score":0.06393712623552843,"channel":0,"num_words":11,"start":32.03,"end":37.25},{"sentences":[{"text":"Yep.","start":37.649998,"end":38.149998,"sentiment":"neutral","sentiment_score":0.11714252829551695}],"sentiment":"neutral","sentiment_score":0.11714252829551695,"channel":1,"num_words":1,"start":37.649998,"end":38.149998},{"sentences":[{"text":"you can always have a read over it in your own time when you have like, when it's easier to do so.","start":37.79,"end":43.81,"sentiment":"neutral","sentiment_score":0.14357869293202052},{"text":"And","start":44.03,"end":44.085,"sentiment":"neutral","sentiment_score":0.07695618271827698}],"sentiment":"neutral","sentiment_score":0.1406820620531621,"channel":0,"num_words":23,"start":37.79,"end":44.085},{"sentences":[{"text":"Okay.","start":44.065,"end":44.565,"sentiment":"neutral","sentiment_score":0.06597813963890076}],"sentiment":"neutral","sentiment_score":0.06597813963890076,"channel":1,"num_words":1,"start":44.065,"end":44.565},{"sentences":[{"text":"if you then have any questions, you can always just give me a callback","start":44.165,"end":47.545,"sentiment":"neutral","sentiment_score":0.06929444282182626}],"sentiment":"neutral","sentiment_score":0.06929444282182626,"channel":0,"num_words":14,"start":44.165,"end":47.545},{"sentences":[{"text":"Oh, yeah.","start":48.065,"end":48.625,"sentiment":"neutral","sentiment_score":0.11070367321372032},{"text":"Yep.","start":48.625,"end":49.125,"sentiment":"neutral","sentiment_score":0.11260440945625304}],"sentiment":"neutral","sentiment_score":0.11133725196123123,"channel":1,"num_words":3,"start":48.065,"end":49.125},{"sentences":[{"text":"Mhmm.","start":48.645,"end":48.965,"sentiment":"neutral","sentiment_score":0.10658586025238036},{"text":"If that's easier.","start":49.285,"end":50.245,"sentiment":"neutral","sentiment_score":0.137620543440183},{"text":"But do let me know if it did come through so at least I know it was received on your end.","start":50.245,"end":55.385,"sentiment":"neutral","sentiment_score":0.11762716230892}],"sentiment":"neutral","sentiment_score":0.11958471596240998,"channel":0,"num_words":25,"start":48.645,"end":55.385},{"sentences":[{"text":"Yeah.","start":55.890003,"end":56.13,"sentiment":"neutral","sentiment_score":0.09486454725265504},{"text":"I'll just check.","start":56.13,"end":57.190002,"sentiment":"neutral","sentiment_score":0.08401789267857869},{"text":"Yes.","start":59.57,"end":59.89,"sentiment":"neutral","sentiment_score":0.12383905798196793},{"text":"They've come through.","start":59.89,"end":60.79,"sentiment":"neutral","sentiment_score":0.1392839401960373}],"sentiment":"neutral","sentiment_score":0.11107613798230886,"channel":1,"num_words":8,"start":55.890003,"end":60.79},{"sentences":[{"text":"Yep.","start":60.98,"end":61.3,"sentiment":"neutral","sentiment_score":0.14452916383743286},{"text":"Okay.","start":61.3,"end":61.699997,"sentiment":"neutral","sentiment_score":0.2147619128227234},{"text":"Perfect.","start":61.699997,"end":62.1,"sentiment":"positive","sentiment_score":0.3960058391094208},{"text":"Are you happy for me to kind of run through the recommendation?","start":62.1,"end":65.24,"sentiment":"positive","sentiment_score":0.3419659237066905},{"text":"And then when you have a bit more time, you can just 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problem.","start":1010.20496,"end":1010.865,"sentiment":"neutral","sentiment_score":0.2734545171260834}],"sentiment":"neutral","sentiment_score":0.2734545171260834,"channel":1,"num_words":2,"start":1010.20496,"end":1010.865},{"sentences":[{"text":"And then it basically just recaps everything at the bottom, how to implement it.","start":1011.95,"end":1016.775,"sentiment":"neutral","sentiment_score":0.22258158773183823}],"sentiment":"neutral","sentiment_score":0.22258158773183823,"channel":0,"num_words":14,"start":1011.95,"end":1016.775},{"sentences":[{"text":"Yep.","start":1016.55,"end":1017.05,"sentiment":"neutral","sentiment_score":0.18993335962295532}],"sentiment":"neutral","sentiment_score":0.18993335962295532,"channel":1,"num_words":1,"start":1016.55,"end":1017.05},{"sentences":[{"text":"So, basically, from here on is if you were happy to go ahead by making this investment 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it.","start":1033.85,"end":1036.9701,"sentiment":"neutral","sentiment_score":0.18373999744653702},{"text":"So you don't have to do anything aside from, obviously, if you are happy to go ahead.","start":1036.9701,"end":1041.63,"sentiment":"neutral","sentiment_score":0.2692227503832649},{"text":"If you wanna take some time, though, to read over the document, you are more than welcome to as well.","start":1042.715,"end":1047.615,"sentiment":"neutral","sentiment_score":0.2850221745669842}],"sentiment":"neutral","sentiment_score":0.25719937376594276,"channel":0,"num_words":89,"start":1023.09503,"end":1047.615},{"sentences":[{"text":"That's okay.","start":1048.37,"end":1048.85,"sentiment":"positive","sentiment_score":0.4754769951105118},{"text":"Thanks.","start":1048.85,"end":1049.35,"sentiment":"positive","sentiment_score":0.6272095441818237}],"sentiment":"positive","sentiment_score":0.5260545114676157,"channel":1,"num_words":3,"start":1048.37,"end":1049.35},{"sentences":[{"text":"Yep.","start":1049.515,"end":1050.015,"sentiment":"neutral","sentiment_score":0.2329075038433075},{"text":"Now do you have any other questions for me otherwise today, or was that fairly straightforward?","start":1051.515,"end":1057.055,"sentiment":"neutral","sentiment_score":0.1088528735563159}],"sentiment":"neutral","sentiment_score":0.11615020474966835,"channel":0,"num_words":17,"start":1049.515,"end":1057.055},{"sentences":[{"text":"No.","start":1058.235,"end":1058.475,"sentiment":"neutral","sentiment_score":0.1266792267560959},{"text":"That was good, 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be able to email through just a photo of the front and the back of your license","start":1084.8049,"end":1092.55,"sentiment":"neutral","sentiment_score":0.04045135714113712}],"sentiment":"neutral","sentiment_score":0.04045135714113712,"channel":0,"num_words":18,"start":1084.8049,"end":1092.55},{"sentences":[{"text":"Yep.","start":1093.425,"end":1093.925,"sentiment":"neutral","sentiment_score":0.061917923390865326}],"sentiment":"neutral","sentiment_score":0.061917923390865326,"channel":1,"num_words":1,"start":1093.425,"end":1093.925},{"sentences":[{"text":"just so we can update the records for you?","start":1093.5701,"end":1096.9501,"sentiment":"neutral","sentiment_score":0.09078218249811067},{"text":"Would you like me to give you the email address, or would you like me to send you an email address and you can just respond to that one?","start":1098.05,"end":1105.6649,"sentiment":"neutral","sentiment_score":0.03740206816843871},{"text":"Or what's the easiest?","start":1105.885,"end":1106.945,"sentiment":"neutral","sentiment_score":0.02866106666624546}],"sentiment":"neutral","sentiment_score":0.04800818776268335,"channel":0,"num_words":42,"start":1093.5701,"end":1106.945},{"sentences":[{"text":"If you just send me an email address and","start":1108.4,"end":1111.265,"sentiment":"neutral","sentiment_score":0.04900803623927964}],"sentiment":"neutral","sentiment_score":0.04900803623927964,"channel":1,"num_words":9,"start":1108.4,"end":1111.265},{"sentences":[{"text":"Yep.","start":1111.245,"end":1111.745,"sentiment":"neutral","sentiment_score":0.06591778248548508}],"sentiment":"neutral","sentiment_score":0.06591778248548508,"channel":0,"num_words":1,"start":1111.245,"end":1111.745},{"sentences":[{"text":"then I can, yeah, send it 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documents.","start":1121.5,"end":1123.76,"sentiment":"neutral","sentiment_score":0.22897227936320835}],"sentiment":"neutral","sentiment_score":0.26278927043462413,"channel":0,"num_words":39,"start":1113.5,"end":1123.76},{"sentences":[{"text":"Any questions or changes, you know, just let me know.","start":1123.98,"end":1126.96,"sentiment":"neutral","sentiment_score":0.2044462487101555},{"text":"Otherwise, I'll keep a lookout for the documents because if you do sign it, I will get notified to obviously say that you wanna go ahead, and then we can go ahead and make these changes for you.","start":1127.205,"end":1137.7849,"sentiment":"neutral","sentiment_score":0.28351807006095586}],"sentiment":"neutral","sentiment_score":0.2670447739462058,"channel":0,"num_words":48,"start":1123.98,"end":1137.7849},{"sentences":[{"text":"Yep.","start":1138.285,"end":1138.525,"sentiment":"neutral","sentiment_score":0.1772695034742355},{"text":"Okay.","start":1138.525,"end":1139.025,"sentiment":"neutral","sentiment_score":0.2657613158226013}],"sentiment":"neutral","sentiment_score":0.22151540964841843,"channel":1,"num_words":2,"start":1138.285,"end":1139.025},{"sentences":[{"text":"Yep.","start":1138.965,"end":1139.46,"sentiment":"neutral","sentiment_score":0.32769709825515747}],"sentiment":"neutral","sentiment_score":0.32769709825515747,"channel":0,"num_words":1,"start":1138.965,"end":1139.46},{"sentences":[{"text":"Sounds 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or need anything else at any point in time, you can either just respond to that email or just give me a call, and we can always book you in for another catch","start":1147.46,"end":1156.475,"sentiment":"neutral","sentiment_score":0.1387003910977666}],"sentiment":"neutral","sentiment_score":0.1387003910977666,"channel":0,"num_words":41,"start":1147.46,"end":1156.475},{"sentences":[{"text":"Okay.","start":1156.77,"end":1157.27,"sentiment":"positive","sentiment_score":0.3741292357444763},{"text":"Excellent.","start":1157.3301,"end":1157.7301,"sentiment":"positive","sentiment_score":0.8504930734634399},{"text":"Thank you so much.","start":1157.7301,"end":1158.87,"sentiment":"positive","sentiment_score":0.856929823756218}],"sentiment":"positive","sentiment_score":0.7753902673721313,"channel":1,"num_words":6,"start":1156.77,"end":1158.87},{"sentences":[{"text":"up.","start":1158.6951,"end":1158.855,"sentiment":"positive","sentiment_score":0.5671586990356445},{"text":"No problem at all.","start":1158.855,"end":1159.655,"sentiment":"positive","sentiment_score":0.7235671877861023},{"text":"I look forward to speaking with you soon again.","start":1159.655,"end":1161.675,"sentiment":"positive","sentiment_score":0.8101678159501817}],"sentiment":"positive","sentiment_score":0.7680669852665493,"channel":0,"num_words":14,"start":1158.6951,"end":1161.675},{"sentences":[{"text":"You 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representative from Hub 24, a company recommended staying with the company, emphasizing personal information and investment recommendations. The speaker discussed the benefits of the new portfolio structure and the importance of changing risk profiles. The speaker also addressed the differences between their current and new portfolio, highlighting a potential growth opportunity in cybersecurity and AI. They provided information on risk profiles and advised signing a document for potential changes. The speaker offered to keep the customer updated on their progress and provided email addresses for sending photos of their replacement driver's license."},"intents":{"segments":[{"text":"I had you booked in just to go over the the research and the strategy recommendation after our last patch up a few weeks ago. Yep.","start_word":15,"end_word":40,"intents":[{"intent":"Review and review recommendations","confidence_score":0.0720966}]},{"text":"at the moment, Hub twenty four still very much is a really good competitive option. So I have recommended that you stay in Hub twenty four and Yep. just literally change the investment.","start_word":679,"end_word":711,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.024302483}]},{"text":"at the moment, Hub twenty four still very much is a really good competitive option. So I have recommended that you stay in Hub twenty four and Yep. just literally change the investment. So the good thing with Hub twenty four is that there's hundreds of different investment options to choose from, Yeah. which Yep.","start_word":679,"end_word":733,"intents":[{"intent":"Advise on investment options","confidence_score":0.0069573885}]},{"text":"was how we can, obviously construct their portfolio. And it's Yep.","start_word":735,"end_word":745,"intents":[{"intent":"Building portfolio","confidence_score":0.055000797}]},{"text":"also very competitive from a price point of view with other similar products.","start_word":745,"end_word":757,"intents":[{"intent":"Comparing products","confidence_score":0.027102256}]},{"text":"Now when it comes to your risk profile, we are not making any changes. We are keeping you in a high growth portfolio. You were quite comfortable with that, and that Yeah. was mainly That's fine. through, yeah, perfect, maximize that growth.","start_word":807,"end_word":848,"intents":[{"intent":"Maximizing growth","confidence_score":0.9480087}]},{"text":"That is the actual research paper. All the other documents, it's more the supporting research for you.","start_word":967,"end_word":983,"intents":[{"intent":"Showing research paper","confidence_score":0.0010685434}]},{"text":"And then if you can scroll The down. page 14? Yes.","start_word":1022,"end_word":1032,"intents":[{"intent":"Accessing pages","confidence_score":0.011798541},{"intent":"Scrolling down","confidence_score":0.3949523}]},{"text":"So this is basically just a bit of a snapshot where all the math and everything that goes into it. That's kind of been outlined in Word as well for you. But this Yes.","start_word":1058,"end_word":1091,"intents":[{"intent":"Providing overview","confidence_score":0.004834441}]},{"text":"So you can see here, at the top, recommending staying with hub twenty four. Now Yes.","start_word":1104,"end_word":1119,"intents":[{"intent":"Recommend staying with hub twenty four","confidence_score":0.5827359}]},{"text":"I did research on the SMA, but then also different portfolios. And Okay. from the research at the moment, I have recommended similar structure to what you currently have, just changing the portfolio. So not the SMA at this stage.","start_word":1120,"end_word":1159,"intents":[{"intent":"Discuss sma and sma recommendations","confidence_score":0.008583052}]},{"text":"reason I chose not to recommend the SMA was that by making the changes through the SMA, there was a lot of changes to your investment. And Yes.","start_word":1163,"end_word":1190,"intents":[{"intent":"Discuss potential benefits of sma changes","confidence_score":0.003288107},{"intent":"Clarify rationale for choosing sma","confidence_score":0.000011697934}]},{"text":"Now, otherwise, you will see that by actually making the change to the new portfolio, again, keeping you within a high growth portfolio, the investment fee is actually cheaper. Yep.","start_word":1449,"end_word":1478,"intents":[{"intent":"Calculate portfolio changes","confidence_score":0.013329701}]},{"text":"Now you can see that investment table. Yep. Yep. Perfect. Now this can look really messy, but, essentially, it shows you the changes in the investment. So all that ones that has the red is what we are selling, and then you can then see what we are either buying or kind of just rebalancing. Okay.","start_word":1821,"end_word":1876,"intents":[{"intent":"Analyze investments","confidence_score":0.06395447}]},{"text":"is another ETF that invests in companies all around the globe, but it I can. excludes The US because you already have the exposure to The US in that iShares S and P 500. So we don't want too much in one market either. We wanna make sure we diversify things for Yep. you.","start_word":2310,"end_word":2363,"intents":[{"intent":"Diversify portfolio","confidence_score":0.30050528}]},{"text":"excludes The US because you already have the exposure to The US in that iShares S and P 500.","start_word":2325,"end_word":2343,"intents":[{"intent":"Exclude us","confidence_score":0.3954677}]},{"text":"Then the kind of swap for the Benelon, because we also wanna make sure you have exposure to the Australian market, is we then introduced the BetaShares Australia 200.","start_word":2367,"end_word":2395,"intents":[{"intent":"Introduce benelon","confidence_score":0.42828158}]},{"text":"So instead of bending along where it is a active managed fund where they're trying to outperform the market, which hasn't really turned out that great lately, the ISHES Mhmm. the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia. Okay.","start_word":2396,"end_word":2447,"intents":[{"intent":"Explain benelon strategy","confidence_score":0.0015745093}]},{"text":"the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia. Okay.","start_word":2426,"end_word":2447,"intents":[{"intent":"Follow australian market","confidence_score":0.098248385}]},{"text":"So you don't have that whole kind of which is why the fees are a bit cheaper because you don't have as much research going into trying to pick and choose the best companies. It follows the biggest one, which Yep. makes it kind of easy and a bit smoother with volatility and fluctuations. And it has outperformed the Benelung as well. So Okay.","start_word":2448,"end_word":2511,"intents":[{"intent":"Explain fee savings","confidence_score":0.0010561317}]},{"text":"Does that all make sense so far? Yes. Yep.","start_word":2537,"end_word":2545,"intents":[{"intent":"Discuss investment information","confidence_score":0.00014394206}]},{"text":"Not too much, though, because we're trying to maximize that growth, still have a little bit. So we have 7% of gold included in your portfolio. It's Mhmm. done really well lately, and it's a good just kind of those stable all around to your portfolio. Yep.","start_word":2568,"end_word":2614,"intents":[{"intent":"Optimize growth","confidence_score":0.087379515}]},{"text":"done really well lately, and it's a good just kind of those stable all around to your portfolio. Yep.","start_word":2596,"end_word":2614,"intents":[{"intent":"Maintain stability","confidence_score":0.0016760821}]},{"text":"The last thing I do wanna mention is page 18 where it talks about remuneration. Yep.","start_word":2770,"end_word":2785,"intents":[{"intent":"Discuss remuneration","confidence_score":0.38684055}]},{"text":"it would just be for you to sign the document that will then come through to me.","start_word":2886,"end_word":2902,"intents":[{"intent":"Sign document","confidence_score":0.112765625}]},{"text":"just so we can update the records for you?","start_word":3075,"end_word":3083,"intents":[{"intent":"Update records","confidence_score":0.736895}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Ranka speaking. Hi, Veronica. It's Jasmine. I missed your call. Yes. I had you booked in just to go over the the research and the strategy recommendation after our last patch up a few weeks ago. Yep. Yeah. Now is still a good time? Yeah.","start_word":0,"end_word":48,"sentiment":"neutral","sentiment_score":0.15039518475532532},{"text":"That's fine. Yeah. Perfect.","start_word":49,"end_word":52,"sentiment":"positive","sentiment_score":0.4252482950687408},{"text":"I have just sent you an email with some documents. Okay. Do you have the option of accessing your emails at the moment? Yeah. I can have a look to see if they've come through. Yep. Perfect. If it is tricky for you to access them, Yep. you can always have a read over it in your own time when you have like, when it's easier to do so. And Okay. if you then have any questions, you can always just give me a callback Oh, yeah. Yep. Mhmm. If that's easier. But do let me know if it did come through so at least I know it was received on your end. Yeah. I'll just check. Yes. They've come through. Yep. Okay.","start_word":53,"end_word":175,"sentiment":"neutral","sentiment_score":0.12032332271337508},{"text":"Perfect. Are you happy for me to kind of run through the recommendation?","start_word":176,"end_word":188,"sentiment":"positive","sentiment_score":0.34609532356262207},{"text":"And then when you have a bit more time, you can just have Yeah. a read That over it. Yeah. yep.","start_word":189,"end_word":209,"sentiment":"neutral","sentiment_score":0.11309316754341124},{"text":"Perfect. It is pretty straightforward today, really.","start_word":210,"end_word":216,"sentiment":"positive","sentiment_score":0.5115212202072144},{"text":"After our last conversation, it was mainly in regards to reviewing your superannuation, specifically Ben along to see if we wanted to make some changes to improve the returns and the situation for you and also kind of considering if the SMA was going to be a good option for you. Do you Yep. kind of remember that conversation? Yeah. Yep. I Yep. do remember Yep. that. Yep.","start_word":217,"end_word":284,"sentiment":"neutral","sentiment_score":0.17278338968753815},{"text":"Perfect. So I have done all the research, and I have made a recommendation for you.","start_word":285,"end_word":300,"sentiment":"positive","sentiment_score":0.34908539056777954},{"text":"Now I'll kind of go through it the way that you would look at it when you have a look at it. I'll keep a few things. A lot of it is just from a compliance point just to make sure you fully Yep. understand everything, but it Yep.","start_word":301,"end_word":349,"sentiment":"neutral","sentiment_score":0.23237791657447815},{"text":"is pretty straightforward.","start_word":350,"end_word":352,"sentiment":"positive","sentiment_score":0.42270204424858093},{"text":"When you have a look at it, you will see that, obviously, the recommendation is tailored just to you specifically, and it has been prepared by me. Now Yep. on the cover page, you will see my authorized representative number, which is just my financial license number, and I'm Yep. obviously licensed under Oakview Financial. Yep. I can. All the recommendations that we do, they have to follow that best interest duty, which means that we have to take your best interest at heart before anything else. And the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make Yep. sense? Yeah. Yep. Yeah.","start_word":353,"end_word":472,"sentiment":"neutral","sentiment_score":0.1436653584241867},{"text":"Perfect.","start_word":473,"end_word":473,"sentiment":"positive","sentiment_score":0.5903772115707397},{"text":"Now as you have a read through it, you will see a couple of sections talking about scope of the advice. Basically, Yes. what that means is just the areas we are looking at today. So pretty straightforward, literally just your and specifically those investments. Okay. That's Yep. kind of what this been this been focused on. Now if there is other things you wanna look at down the track, we can most definitely have a look at that. But today, it's simply just the superannuation to see if we can improve things for you. Yep. Okay. Yep. You will have a couple of pages about just some personal information about you. Just have a look over that when you have a moment just to make sure it's all up to date or if we need to make any changes. Yep. Same goes for assets. Just make sure that, you know, that's all up to date as well. Otherwise, when it comes to actually your the actual recommendation so I also researched Hub twenty four for you just to make sure it was still going to be a a good option or if there was any other competitive options out there. Yep. And I call. at the moment, Hub twenty four still very much is a really good competitive option. So I have recommended that you stay in Hub twenty four and Yep. just literally change the investment.","start_word":474,"end_word":711,"sentiment":"neutral","sentiment_score":0.17949742078781128},{"text":"So the good thing with Hub twenty four is that there's hundreds of different investment options to choose from, Yeah.","start_word":712,"end_word":731,"sentiment":"positive","sentiment_score":0.4561936557292938},{"text":"which Yep. was how we can, obviously construct their portfolio.","start_word":732,"end_word":741,"sentiment":"neutral","sentiment_score":0.20158284306526184},{"text":"And it's Yep. also very competitive from a price point of view with other similar products. And I do use Hub twenty four personally for my superannuation.","start_word":742,"end_word":768,"sentiment":"positive","sentiment_score":0.5014691352844238},{"text":"Mhmm.","start_word":769,"end_word":769,"sentiment":"neutral","sentiment_score":0.03198980540037155},{"text":"And if I didn't think it was great, I wouldn't use it, and I certainly wouldn't tell you to stay.","start_word":770,"end_word":789,"sentiment":"negative","sentiment_score":-0.3412930965423584},{"text":"So Yeah. Yep.","start_word":790,"end_word":792,"sentiment":"neutral","sentiment_score":0.2499733418226242},{"text":"at the moment, it's still very much a good option for you.","start_word":793,"end_word":804,"sentiment":"positive","sentiment_score":0.5513492822647095},{"text":"Yep. Okay. Now when it comes to your risk profile, we are not making any changes. We are keeping you in a high growth portfolio. You were quite comfortable with that, and that Yeah. was mainly That's fine.","start_word":805,"end_word":842,"sentiment":"neutral","sentiment_score":0.13206005096435547},{"text":"through, yeah, perfect, maximize that growth.","start_word":843,"end_word":848,"sentiment":"positive","sentiment_score":0.3719460070133209},{"text":"You have plenty of time much over time and not Yeah. changing anything there for you. Now the the kind of the most interesting part would be page 12 when you can have a look at it and Yep. page 14. Or even if you can look at page 14, that will be good. Yep. Let me know if you can see that. Alright. It can And be fifth. which is which booklet is that in? It's in the the one that has the link. So if you click on the link, sorry, where it says it gets you to sign, but you can open up first. You Oh, don't have yep. to sign anything right away. Yep. That is the actual research paper. All the other documents, it's more the supporting research for you. So that is basically everything you need to know about hub twenty four and the product and the investment. It's all in there. But the the main advice is when you click on that link. Yep. Okay. Yep. And then if you can scroll The down. page 14? Yes. It can be 15 because sometimes it factors in the cover page, but Yep. it's the heading Okay. with the the comparison. Yep. Yep.","start_word":849,"end_word":1056,"sentiment":"neutral","sentiment_score":0.08906399458646774},{"text":"Perfect.","start_word":1057,"end_word":1057,"sentiment":"positive","sentiment_score":0.41565659642219543},{"text":"So this is basically just a bit of a snapshot where all the math and everything that goes into it. That's kind of been outlined in Word as well for you. But this Yes. is sometimes just like a quick and easy way to see it. So you can see here, at the top, recommending staying with hub twenty four. Now Yes. I did research on the SMA, but then also different portfolios. And Okay. from the research at the moment, I have recommended similar structure to what you currently have, just changing the portfolio. So not the SMA at this stage. Yep. The Okay. reason I chose not to recommend the SMA was that by making the changes through the SMA, there was a lot of changes to your investment. And Yes. by selling down your investments, that one specially specifically that have done really well means that you have to pay a capital gains tax when you sell the investment. Okay. So Yep. by switching you to the SMA, the capital gains tax would be about 3,178. So Okay. Yep.","start_word":1058,"end_word":1239,"sentiment":"neutral","sentiment_score":0.00024546150650296895},{"text":"pretty decent.","start_word":1240,"end_word":1241,"sentiment":"positive","sentiment_score":0.34091052412986755},{"text":"The SMA was still really good, but because your investments have done pretty good, I just didn't think it was worth it paying that extra tax, specifically, when another portfolio that we have is actually performed a little bit better than the SMA currently, and Yeah. the capital That's fine. gain yeah. The Yep. capital gains tax was only a $165. So Okay. quite a big difference, Yep. which is why you can see that difference at the top on the balance row where it says Yeah. negative, Yep. that's the capital gains tax. So it's it's quite low in comparison, and the recommended portfolio has actually done better both when looking at the one year, the three year, and the five year rolling average. So Yep. factoring in all of that, I was like, no. SMA isn't the best one for you right now, and there's other better options. Yep. It's not to say that, you know, down the track, if we do research, you know, the estimate might be more competitive for you.","start_word":1242,"end_word":1416,"sentiment":"neutral","sentiment_score":-0.06367047876119614},{"text":"But right now, it just wasn't worth paying additional tax, like, especially when the returns weren't going to outweigh those.","start_word":1417,"end_word":1436,"sentiment":"negative","sentiment_score":-0.3353695869445801},{"text":"Yep. Okay. Does that make sense? Yeah.","start_word":1437,"end_word":1443,"sentiment":"neutral","sentiment_score":0.10242130607366562},{"text":"That's good. Yeah. Perfect. Now, otherwise, you will see that by actually making the change to the new portfolio, again, keeping you within a high growth portfolio, the investment fee is actually cheaper. Yep. So you are saving about $334 a year in just like admin fees investment fees just by half of 24, which is Yep. still pretty good.","start_word":1444,"end_word":1503,"sentiment":"positive","sentiment_score":0.4726671000321706},{"text":"Yeah. Yep. And the biggest thing is, though, the change in the investment return. So you can see here the five year rolling average difference. Now, obviously, we can never guarantee what's going to happen. You never know what's going to happen in the market and the world. Especially, the last twelve months have been Yeah. very unpredictable, but that is Yep. also why we like to use a five year rolling average, which is if we Okay. are using a five year rolling average, averaging out over five years and then using that as a yearly, it gives us a better indication of how the portfolio has done, but also the market as well. Because some years, it would have looked like you've won the lottery. Other years, not so great. So using Yeah. five Yep. years gives us a bit more kind of certainty. Does that make sense? Yes. Yep. Yeah.","start_word":1504,"end_word":1656,"sentiment":"neutral","sentiment_score":0.029002994298934937},{"text":"Perfect.","start_word":1657,"end_word":1657,"sentiment":"positive","sentiment_score":0.36626458168029785},{"text":"So you can see here that that five year rolling average, it's pretty big difference between your current and the new Yeah.","start_word":1658,"end_word":1679,"sentiment":"neutral","sentiment_score":0.17431263625621796},{"text":"recommended portfolio, which is great.","start_word":1680,"end_word":1684,"sentiment":"positive","sentiment_score":0.40666478872299194},{"text":"Yeah. Yes. Yep. If you scroll down one page, you will Yep. actually see a bit more where I projected five and ten years forward, assuming Yep. everything kind of stays the same where things you potentially be on track through. And you can kind of see then the compound's different in that just returns and fees alone. And that is staying with that 24, which is a Yes. pretty good difference. Yeah. It is. And then Yeah. underneath that table, you can then see a bit more of the returns as well. You can Yep. kinda see the twelve month, three, and five years. And even across all those, it has improved, which again Yeah.","start_word":1685,"end_word":1800,"sentiment":"neutral","sentiment_score":0.11994846910238266},{"text":"is great.","start_word":1801,"end_word":1802,"sentiment":"positive","sentiment_score":0.5096795558929443},{"text":"Yep. Yep. Perfect. Now if you then wanna scroll up for me through page 12. Yep. Yep. Now you can see that investment table. Yep. Yep.","start_word":1803,"end_word":1828,"sentiment":"neutral","sentiment_score":0.11109539321981944},{"text":"Perfect.","start_word":1829,"end_word":1829,"sentiment":"positive","sentiment_score":0.5209119319915771},{"text":"Now this can look really messy, but, essentially, it shows you the changes in the investment. So all that ones that has the red is what we are selling, and then you can then see what we are either buying or kind of just rebalancing. Okay. So mainly, the the big points is you can see that Ben along Australian equity. So when I mentioned last time, we are completely swapping out of that one. We Yep. are also updating and selling out of the global ex battery tech and lithium, the Yep. agriculture as well. We're also selling out of the ISHES Asia Global Healthcare Yep. and then Vanguard diversify index. So Yep. so that once we're completely swapping out. Now Okay. we are still retaining the beta shift cybersecurity for you and just kind of rebalancing at about 6%. Now this Okay. is one of your satellite investments. So, obviously, AI cybersecurity, it is recently has seen a bit of fluctuations, but long term as well, there's a lot of opportunity in that space, obviously, with everything going on in the world with AI. So this one is one of those investments that do have a potential growth opportunity, but they can fluctuate a lot more, which is why it's only at 6%. Yes. Yep. You then have Europe, which you already had in your portfolio.","start_word":1830,"end_word":2057,"sentiment":"neutral","sentiment_score":0.07691066712141037},{"text":"Now that one has done pretty good.","start_word":2058,"end_word":2064,"sentiment":"positive","sentiment_score":0.425392210483551},{"text":"We're just increasing the target to 9%. Okay. Otherwise, Yep. keeping it in the portfolio. It is a very good diversified ETF in that invest in a lot of the big companies in Europe. So a lot of the kind of mid size to large companies, mainly in, you know, The UK, Germany, France, Switzerland, a couple of others as well. So it gives you good diversification around the globe. Okay. You then have, the ISHIS S and P 500 keeping that in the portfolio.","start_word":2065,"end_word":2149,"sentiment":"neutral","sentiment_score":0.25429338216781616},{"text":"It is a good staple.","start_word":2150,"end_word":2154,"sentiment":"positive","sentiment_score":0.4286116361618042},{"text":"Again, super diversified because this invest in the 500 largest companies listed in The US. So within Okay. that one single investment, you do have 500 companies very diversified.","start_word":2155,"end_word":2183,"sentiment":"neutral","sentiment_score":0.24110586941242215},{"text":"So that is kind of far forms the part of your core. So kind of Yep. a bit more of those a little bit more stable investment that kind of grows steadily, still invest in shares. It's just very diversified for you.","start_word":2184,"end_word":2225,"sentiment":"positive","sentiment_score":0.4587426781654358},{"text":"Yep. Okay. Yep. You then have kind of the bottom. So one, two, three, four, five, which are the ones we are then adding to your portfolio instead of the other ones. So instead of the iShares Asia, we've swapped it for iShares Japan.","start_word":2226,"end_word":2269,"sentiment":"neutral","sentiment_score":0.1901324838399887},{"text":"It has done a little bit better and a bit more targeted.","start_word":2270,"end_word":2281,"sentiment":"positive","sentiment_score":0.4173170328140259},{"text":"Again, only keeping it at 5%, but there Mhmm. are a lot of opportunities in that space. You then have 8% in Vanguard All World. Now this Yep. is another ETF that invests in companies all around the globe, but it I can. excludes The US because you already have the exposure to The US in that iShares S and P 500. So we don't want too much in one market either. We wanna make sure we diversify things for Yep. you. Yep. Okay. Yep. Then the kind of swap for the Benelon, because we also wanna make sure you have exposure to the Australian market, is we then introduced the BetaShares Australia 200. So instead of bending along where it is a active managed fund where they're trying to outperform the market, which hasn't really turned out that great lately, the ISHES Mhmm. the BetaShares Australia 200, it is just kind of following the 200 largest companies listed on the ASX or in Australia. Okay. So you don't have that whole kind of which is why the fees are a bit cheaper because you don't have as much research going into trying to pick and choose the best companies.","start_word":2282,"end_word":2481,"sentiment":"neutral","sentiment_score":0.17842060327529907},{"text":"It follows the biggest one, which Yep. makes it kind of easy and a bit smoother with volatility and fluctuations. And it has outperformed the Benelung as well.","start_word":2482,"end_word":2509,"sentiment":"positive","sentiment_score":0.4831943213939667},{"text":"So Okay. that's that one, that's kind of swapping because, again, we wanna make sure you have diversification again through Australia. Just a different Yep. option. Does that all make sense so far? Yes. Yep.","start_word":2510,"end_word":2544,"sentiment":"neutral","sentiment_score":0.18150751548154012},{"text":"Yeah. Perfect.","start_word":2545,"end_word":2546,"sentiment":"positive","sentiment_score":0.5988187789916992},{"text":"Now with your invest defensive, we do wanna have a little bit of that defensive component as well to your portfolio. Not too much, though, because we're trying to maximize that growth, still have a little bit. So we have 7% of gold included in your portfolio.","start_word":2547,"end_word":2593,"sentiment":"neutral","sentiment_score":0.2569226920604706},{"text":"It's Mhmm. done really well lately, and it's a good just kind of those stable all around to your portfolio.","start_word":2594,"end_word":2613,"sentiment":"positive","sentiment_score":0.5022921562194824},{"text":"Yep. And then we have 5% in a fixed interest. Again, to kind of limit fluctuations a little bit. So Okay. that is essentially the changes to the investment. So overall, that's a structural, not major changes. It's just swapping out different kind of industries and sectors for better options. Yep. Can. Yeah.","start_word":2614,"end_word":2666,"sentiment":"neutral","sentiment_score":0.15406878292560575},{"text":"Perfect.","start_word":2667,"end_word":2667,"sentiment":"positive","sentiment_score":0.40511611104011536},{"text":"Do you have any questions in regards to that? No. Not at all. No. Perfect. Now if you wanna scroll to the next page, which is page 13, you Yep. can then see kind of that we are staying within your high growth. So this shows you the risk profile, which is the nine to 10 or often goes through 95, ten and five, your Yep. existing portfolio and the proposed. So both Okay. are aligning with your high growth where we are trying to maximize that growth for you. Yep. Yep. Now that is most of the information, to be fair. The last thing I do wanna mention is page 18 where it talks about remuneration. Yep. Just let me know if you can see that. Yeah. So there is no changes whatsoever in regards to the ongoing advice fee. It stays the same at 1.65 from your super balance. So if you are happy to go ahead with this change, there is no additional fees whatsoever. It is all part of that ongoing advice fee for you. Okay. Not Yep. a problem. And then it basically just recaps everything at the bottom, how to implement it. Yep. So, basically, from here on is if you were happy to go ahead by making this investment changes, Yep. it would just be for you to sign the document that will then come through to me. I will let the team know, and then we can go ahead and make this change for you all in the back end. So when you do go into Hub 24, you will see it. So you don't have to do anything aside from, obviously, if you are happy to go ahead. If you wanna take some time, though, to read over the document, you are more than welcome to as well.","start_word":2668,"end_word":2974,"sentiment":"neutral","sentiment_score":0.19508738228474845},{"text":"That's okay. Thanks.","start_word":2975,"end_word":2977,"sentiment":"positive","sentiment_score":0.5134419202804565},{"text":"Yep. Now do you have any other questions for me otherwise today, or was that fairly straightforward? No.","start_word":2978,"end_word":2995,"sentiment":"neutral","sentiment_score":0.12723958492279053},{"text":"That was good, actually. Yeah. Perfect.","start_word":2996,"end_word":3001,"sentiment":"positive","sentiment_score":0.4151633381843567},{"text":"Now there is one more thing that I have here, which is just that the ID we have on file for you has expired. Did you recently receive a new driver's license or anything a little while ago? I did a little while ago. No. That's okay. When you have a moment, would Yep. you be able to email through just a photo of the front and the back of your license Yep. just so we can update the records for you? Would you like me to give you the email address, or would you like me to send you an email address and you can just respond to that one? Or what's the easiest? If you just send me an email address and Yep. then I can, yeah, send it through. Yep.","start_word":3002,"end_word":3134,"sentiment":"neutral","sentiment_score":0.034402020275592804},{"text":"Alright. Perfect.","start_word":3135,"end_word":3136,"sentiment":"positive","sentiment_score":0.42700472474098206},{"text":"I will send you an email, and then you can just when you have a moment, just respond with the front and the back of your license. And then, yeah, have a read through the documents. Any questions or changes, you know, just let me know. Otherwise, I'll keep a lookout for the documents because if you do sign it, I will get notified to obviously say that you wanna go ahead, and then we can go ahead and make these changes for you. Yep. Okay. Yep.","start_word":3137,"end_word":3223,"sentiment":"neutral","sentiment_score":0.25952693819999695},{"text":"Sounds good. Perfect. Well, if you don't have any other questions for me, Jasmine, I will let you go and enjoy your afternoon. Excellent. But if you Thank do you.","start_word":3224,"end_word":3253,"sentiment":"positive","sentiment_score":0.4799751043319702},{"text":"have if you do have any other questions or need anything else at any point in time, you can either just respond to that email or just give me a call, and we can always book you in for another catch Okay.","start_word":3254,"end_word":3295,"sentiment":"neutral","sentiment_score":0.14722156524658203},{"text":"Excellent. Thank you so much. up. No problem at all. I look forward to speaking with you soon again. You too. Thank Mhmm. you. Thanks. Bye.","start_word":3296,"end_word":3321,"sentiment":"positive","sentiment_score":0.6619940400123596}],"average":{"sentiment":"neutral","sentiment_score":0.15769692782105343}}}}