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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah. Yep. Yeah. Perfect. That's exactly what I have here. How's your morning been so far been busy? Well, I will try not to keep you for too long. Essentially, I have you booked in as you had your interview with my colleague, Samantha, a little while ago, and you mentioned that you wanted to talk a bit more in regards to your insurances. Is that right? Mhmm. Mhmm. Mhmm. Okay. No. Yeah. There's a couple of options for you. Ultimately, it is completely up to you. I guess the biggest thing is that, typically, you'd obviously have the fees factored in. So like you said, you have your super in hub twenty four at the moment where you do have your ClearView insurances. Now you are then obviously paying for administration investment fees in hub twenty four, and then you do have our adviser fee as well that comes out of hub twenty four. Now, obviously, the the fund itself tends to be a little bit more expensive when you factor everything in in compared to your standard industry fund like, you know, Australian super and retirement trust and stuff like that. Typically, when we are then looking at the the performance of this fund, what you can do so the good thing with hub twenty four is how you can construct your portfolio. So there's, like, hundreds of different investment options to choose from, which is how we can obviously construct the portfolio together, which obviously would have been factored in when you when you came on board, and that's ultimately what does typically tend to outperform the performance of, let's say, your your Australian super or something like that. So when we typically factor in, obviously, the net of, obviously, the fees and the return, it's something we have to factor in to make sure you're in a better position. But, ultimately, it's up to you. If you feel like it's too expensive and you are not happy, it's up to you at the end of the day. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yeah. Yeah. I understand. And there are, I guess, two ways. If you would like me to because I don't think we've spoken before, Sandra, I'd be more than happy because part of the unreview time, it is always good to review the portfolio, because things and markets are always constantly changing. So it is important to review your investments to make sure that, you know, what we recommended for you when you came onboard in 2023, that's not potentially always going to be the best option because things are always constantly changing. So it's up to you if you would like me to do some data on your current portfolio to see if I can make some changes to improve things for you and put you in a better position. If you are happy for me to do so, I am more than happy to do that to see if we can, you know, improve things for you. But if you very much feel like, you know what, I'm I'm not happy with the fees. I'm not happy with the way things are. I would like to do go elsewhere. Ultimately, it is up to you. Mhmm. Yep. Yes. Yes. Yes. Correct. Yeah. Yeah. Yes. And that's why you have that? Yes. Yes. Yeah. Yes. Yes. Yes. Yes. Okay. Yep. Okay. Yeah. Yeah. Yep. Do do you know yeah. What I can do for you, Sandra, because, obviously, we do all that research. I'm happy to do that for you and put it together in a document that you can see it. Then after that, you can obviously do your own research. But I'd be more than happy to review your current super, how things are going, potentially make recommendations if we need to change it. But then in addition, I'm happy to do a direct comparison through someone else that you've been looking at to show you the price difference and the returns difference and projecting that forward for a couple of years so that you can see it. I'm happy to do that for you if you want me to to try to assist with the research. Would you be open for me to do that? Yep. Now which are some other options you've looked at? Because then I can use that. Which one was the one that you were kind of leaning towards as another option, like another super fund? Do you have one that you were kind of researching that you want me to include as a comparison? Yep. Okay. So Vanguard and Hester, I can do those for you. Now the the other thing to factor in is your risk profile. So it's also how your money is invested. So if you are comparing, let's say, a balanced option, so more defensive versus, let's say, an aggressive portfolio, the aggressive in the long term tend to have better returns. There's more fluctuations. So I wanna make sure I do, like, a a a like for like comparison, like comparing apples to apples when we are looking at your risk tolerance and how much fluctuations. So at the moment, we have you in, like, a growth portfolio. So it's kind of in the middle where you are focusing on growing your superannuation. So we have about 80% in your growth investment. So that's kind of what's gonna give you the returns in the long term. So you'll have your Australian shares and your international shares and property, for example. So it's about 80% there. And then about 20% in more defensive. So that will be your your cash, your gold, your fixed interest, for example. To try to limit fluctuations a little bit, do you feel like you were quite happy with, like, a a growth portfolio, or what are your kind of what have you been looking at? Or would you wanna take on, you know, more risk and fluctuations given, you know, you do have a bit of time to retirement or are seeing fluctuations, does that make you, like, a little bit worried as well? Okay. Perfect. Growth. Okay. Perfect. So what I'll do then you is that I would look at a similar option in Vanguard and HESTA for you. So looking at kind of the same split and then comparing the fees. So, obviously, assuming if you go to HESTA and Vanguard, you wouldn't have a device of fees. So I'll factor in all of that for you versus if you stay in Hub fee in Hub 24 and have our adviser fees, what that would change. So I'm more than happy to do that research for you, and then I'll obviously make my recommendation. You can get all the research and see what you would like to do. And after that, if you tell me, you know what? I still wanna go somewhere else, then we can help you with the process of if you do decide that that's what you would like to do. Yeah. You're happy for me to do that? Yeah. Alright. Perfect. So I guess when it comes to, obviously, researching your servers as well, so fee is is a big thing for you. So try to minimize the fees as much as as much as we can. Yep. Okay. So I'll have a look at some of those investments if I can try to reduce the fees a little bit there for you as well. Now at the moment, you obviously have your Clearview insurances as well paid from within Hub twenty four. Are you still quite happy with your insurances and and stuff like that? It's super that's a factor for you right now. Yep. Yep. Yep. Yes. There is. Yeah. Yeah. And the cover that you have with Klaviyo, it is quite affordable for what you are getting, and it is a medically underwritten cover already. So it's already tailored to you, and anything that would happen from when you took out the cover, you are covered for. So if you decide that you would like to go elsewhere, you can still keep your current insurances because it's a separate a separate company, and you can just change where it's being paid from if you decide at the end of the day that that's what you would like to do. But for the time being, I'll just leave your insurances then and just focus on your. Now part of the research is factoring in, obviously, you like you said, your fees and returns and everything like that. And can I just confirm as well that Sam mentioned that you are currently not working, so you're not getting any contributions to super? Is that correct? Okay. And are you planning on going back to work eventually, or what's are you just having some time off at the moment? Okay. Perfect. So at the moment, obviously, if you're not working, you are not getting contributions into superannuation. Are you wanting to make your own contributions or not really right now? Nope. Nope. That's okay. Let me see here if there's anything else that I need to confirm with you. No. That is everything. So what I'll do is I will go and do this research for you, Sandra. I'll look into your hub 24, and I'll compare your Vanguard and your as an alternative for you as well just so you can see. And then once we have that, I will actually send you the documents for that appointment so that you can see the figures in front of you at the same time to make it easy. You still obviously have time to go and do that research yourself afterwards. But, hopefully, because I'll give you all the research material as well that we've used. Sorry. Hopefully, that will make things a little bit easier for you, and then you can obviously decide what you would like to do. Perfect. Now it will take maybe a week or two to get all of this research sorted. But as soon as I do have it all together, the team will give you a quick call to book you in for another follow-up with me, and that's when we'll go through all the research together. And, yeah, if you do decide that you wanna go elsewhere after that, then we can obviously assist you with that process as well. Yeah. I have to do all that research for you, which does takes takes quite a while to obviously collect everything and, you know, do all the math and everything for you to to make sure that I have all the information for you, and that's all correct. So, yeah, it's it's it takes a little bit for me to do that reset, but I will do it as soon as I can for you. And as soon as I have it ready, I'll give you a call and we can go through it. But, you know, if you do have any other questions in the meantime, you know, just give me a call, and, yeah, I'd be more than happy to to talk further. But, otherwise, I'll try to get this done as soon as I can for you. Yes. Yep. I can do Vanguard and Hester. Is those two you were kind of Virgin? Yep. Okay. Yeah. I can do that. So Vanguard, Hesta, and Virgin. Yep. Okay. No problem. And I'll look to that growth comparison for you as well. Yep. Okay. No problem. Is there anything else that I can help you with at least for now, Sandra? No? Yeah. And I understand, obviously, the fees and returns, you need to make sure that you, you know, make it worth. And and part of, obviously, my job is, like, I'm quite bound by a lot of legislation and the best interest you do for you. And that is that, you know, when I do make my recommendations, they have to put you in a better position. Otherwise, I can't make the recommendation. And if I do all the research and it shows you that, you know, Vanguard is going to be a better option for you with what your goals are and what you wanna achieve, then that will be option for you with what your goals are and what you wanna achieve, then that will be my recommendation. Like, I'm not tied to anything. So it's it's I'm just basically, you know, making sure that everything I do is for you. Yeah. Yeah. No problem. Like I said, I'll give you a call as soon as I have this ready for you. But, yeah, it might be, like, a week or two, but I'll try my best to do it as soon as I can. No problem at all, Sandra. I will let you go, and we'll speak very soon. Thank you, Sandra. Bye. You too. 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morning, Sandra. This is Veronica from OQ Financial. How are you this morning? I'm good. Thanks.\n\nI had you booked in for a bit of a catch up. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah. Yep.\n\nYeah. Perfect. That's exactly what I have here. How's your morning been so far been busy? Well, I will try not to keep you for too long.\n\nEssentially, I have you booked in as you had your interview with my colleague, Samantha, a little while ago, and you mentioned that you wanted to talk a bit more in regards to your insurances. Is that right? Mhmm. Mhmm. Mhmm.\n\nOkay. No. Yeah. There's a couple of options for you. Ultimately, it is completely up to you.\n\nI guess the biggest thing is that, typically, you'd obviously have the fees factored in. So like you said, you have your super in hub twenty four at the moment where you do have your ClearView insurances. Now you are then obviously paying for administration investment fees in hub twenty four, and then you do have our adviser fee as well that comes out of hub twenty four. Now, obviously, the the fund itself tends to be a little bit more expensive when you factor everything in in compared to your standard industry fund like, you know, Australian super and retirement trust and stuff like that. Typically, when we are then looking at the the performance of this fund, what you can do so the good thing with hub twenty four is how you can construct your portfolio.\n\nSo there's, like, hundreds of different investment options to choose from, which is how we can obviously construct the portfolio together, which obviously would have been factored in when you when you came on board, and that's ultimately what does typically tend to outperform the performance of, let's say, your your Australian super or something like that. So when we typically factor in, obviously, the net of, obviously, the fees and the return, it's something we have to factor in to make sure you're in a better position. But, ultimately, it's up to you. If you feel like it's too expensive and you are not happy, it's up to you at the end of the day. Mhmm.\n\nYep. Mhmm. Mhmm. Yep. Yep.\n\nMhmm. Yep. Yeah. Yeah. I understand.\n\nAnd there are, I guess, two ways. If you would like me to because I don't think we've spoken before, Sandra, I'd be more than happy because part of the unreview time, it is always good to review the portfolio, because things and markets are always constantly changing. So it is important to review your investments to make sure that, you know, what we recommended for you when you came onboard in 2023, that's not potentially always going to be the best option because things are always constantly changing. So it's up to you if you would like me to do some data on your current portfolio to see if I can make some changes to improve things for you and put you in a better position. If you are happy for me to do so, I am more than happy to do that to see if we can, you know, improve things for you.\n\nBut if you very much feel like, you know what, I'm I'm not happy with the fees. I'm not happy with the way things are. I would like to do go elsewhere. Ultimately, it is up to you. Mhmm.\n\nYep. Yes. Yes. Yes. Correct.\n\nYeah. Yeah. Yes. And that's why you have that? Yes.\n\nYes. Yeah. Yes. Yes. Yes.\n\nYes. Okay. Yep. Okay. Yeah.\n\nYeah. Yep. Do do you know yeah. What I can do for you, Sandra, because, obviously, we do all that research. I'm happy to do that for you and put it together in a document that you can see it.\n\nThen after that, you can obviously do your own research. But I'd be more than happy to review your current super, how things are going, potentially make recommendations if we need to change it. But then in addition, I'm happy to do a direct comparison through someone else that you've been looking at to show you the price difference and the returns difference and projecting that forward for a couple of years so that you can see it. I'm happy to do that for you if you want me to to try to assist with the research. Would you be open for me to do that?\n\nYep. Now which are some other options you've looked at? Because then I can use that. Which one was the one that you were kind of leaning towards as another option, like another super fund? Do you have one that you were kind of researching that you want me to include as a comparison?\n\nYep. Okay. So Vanguard and Hester, I can do those for you. Now the the other thing to factor in is your risk profile. So it's also how your money is invested.\n\nSo if you are comparing, let's say, a balanced option, so more defensive versus, let's say, an aggressive portfolio, the aggressive in the long term tend to have better returns. There's more fluctuations. So I wanna make sure I do, like, a a a like for like comparison, like comparing apples to apples when we are looking at your risk tolerance and how much fluctuations. So at the moment, we have you in, like, a growth portfolio. So it's kind of in the middle where you are focusing on growing your superannuation.\n\nSo we have about 80% in your growth investment. So that's kind of what's gonna give you the returns in the long term. So you'll have your Australian shares and your international shares and property, for example. So it's about 80% there. And then about 20% in more defensive.\n\nSo that will be your your cash, your gold, your fixed interest, for example. To try to limit fluctuations a little bit, do you feel like you were quite happy with, like, a a growth portfolio, or what are your kind of what have you been looking at? Or would you wanna take on, you know, more risk and fluctuations given, you know, you do have a bit of time to retirement or are seeing fluctuations, does that make you, like, a little bit worried as well? Okay. Perfect.\n\nGrowth. Okay. Perfect. So what I'll do then you is that I would look at a similar option in Vanguard and HESTA for you. So looking at kind of the same split and then comparing the fees.\n\nSo, obviously, assuming if you go to HESTA and Vanguard, you wouldn't have a device of fees. So I'll factor in all of that for you versus if you stay in Hub fee in Hub 24 and have our adviser fees, what that would change. So I'm more than happy to do that research for you, and then I'll obviously make my recommendation. You can get all the research and see what you would like to do. And after that, if you tell me, you know what?\n\nI still wanna go somewhere else, then we can help you with the process of if you do decide that that's what you would like to do. Yeah. You're happy for me to do that? Yeah. Alright.\n\nPerfect. So I guess when it comes to, obviously, researching your servers as well, so fee is is a big thing for you. So try to minimize the fees as much as as much as we can. Yep. Okay.\n\nSo I'll have a look at some of those investments if I can try to reduce the fees a little bit there for you as well. Now at the moment, you obviously have your Clearview insurances as well paid from within Hub twenty four. Are you still quite happy with your insurances and and stuff like that? It's super that's a factor for you right now. Yep.\n\nYep. Yep. Yes. There is. Yeah.\n\nYeah. And the cover that you have with Klaviyo, it is quite affordable for what you are getting, and it is a medically underwritten cover already. So it's already tailored to you, and anything that would happen from when you took out the cover, you are covered for. So if you decide that you would like to go elsewhere, you can still keep your current insurances because it's a separate a separate company, and you can just change where it's being paid from if you decide at the end of the day that that's what you would like to do. But for the time being, I'll just leave your insurances then and just focus on your.\n\nNow part of the research is factoring in, obviously, you like you said, your fees and returns and everything like that. And can I just confirm as well that Sam mentioned that you are currently not working, so you're not getting any contributions to super? Is that correct? Okay. And are you planning on going back to work eventually, or what's are you just having some time off at the moment?\n\nOkay. Perfect. So at the moment, obviously, if you're not working, you are not getting contributions into superannuation. Are you wanting to make your own contributions or not really right now? Nope.\n\nNope. That's okay. Let me see here if there's anything else that I need to confirm with you. No. That is everything.\n\nSo what I'll do is I will go and do this research for you, Sandra. I'll look into your hub 24, and I'll compare your Vanguard and your as an alternative for you as well just so you can see. And then once we have that, I will actually send you the documents for that appointment so that you can see the figures in front of you at the same time to make it easy. You still obviously have time to go and do that research yourself afterwards. But, hopefully, because I'll give you all the research material as well that we've used.\n\nSorry. Hopefully, that will make things a little bit easier for you, and then you can obviously decide what you would like to do. Perfect. Now it will take maybe a week or two to get all of this research sorted. But as soon as I do have it all together, the team will give you a quick call to book you in for another follow-up with me, and that's when we'll go through all the research together.\n\nAnd, yeah, if you do decide that you wanna go elsewhere after that, then we can obviously assist you with that process as well. Yeah. I have to do all that research for you, which does takes takes quite a while to obviously collect everything and, you know, do all the math and everything for you to to make sure that I have all the information for you, and that's all correct. So, yeah, it's it's it takes a little bit for me to do that reset, but I will do it as soon as I can for you. And as soon as I have it ready, I'll give you a call and we can go through it.\n\nBut, you know, if you do have any other questions in the meantime, you know, just give me a call, and, yeah, I'd be more than happy to to talk further. But, otherwise, I'll try to get this done as soon as I can for you. Yes. Yep. I can do Vanguard and Hester.\n\nIs those two you were kind of Virgin? Yep. Okay. Yeah. I can do that.\n\nSo Vanguard, Hesta, and Virgin. Yep. Okay. No problem. And I'll look to that growth comparison for you as well.\n\nYep. Okay. No problem. Is there anything else that I can help you with at least for now, Sandra? No?\n\nYeah. And I understand, obviously, the fees and returns, you need to make sure that you, you know, make it worth. And and part of, obviously, my job is, like, I'm quite bound by a lot of legislation and the best interest you do for you. And that is that, you know, when I do make my recommendations, they have to put you in a better position. Otherwise, I can't make the recommendation.\n\nAnd if I do all the research and it shows you that, you know, Vanguard is going to be a better option for you with what your goals are and what you wanna achieve, then that will be option for you with what your goals are and what you wanna achieve, then that will be my recommendation. Like, I'm not tied to anything. So it's it's I'm just basically, you know, making sure that everything I do is for you. Yeah. Yeah.\n\nNo problem. Like I said, I'll give you a call as soon as I have this ready for you. But, yeah, it might be, like, a week or two, but I'll try my best to do it as soon as I can. No problem at all, Sandra. I will let you go, and we'll speak very soon.\n\nThank you, Sandra. Bye. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Sandra.","start":4.16,"end":5.12,"sentiment":"neutral","sentiment_score":0.23861237863699594},{"text":"This is Veronica from OQ Financial.","start":5.12,"end":7.14,"sentiment":"neutral","sentiment_score":0.2155261660615603},{"text":"How are you this morning?","start":7.2799997,"end":8.34,"sentiment":"neutral","sentiment_score":0.186163792014122},{"text":"I'm good.","start":10.639999,"end":11.36,"sentiment":"positive","sentiment_score":0.5236515700817108},{"text":"Thanks.","start":11.36,"end":11.86,"sentiment":"positive","sentiment_score":0.5968472957611084}],"sentiment":"neutral","sentiment_score":0.26964491342797,"num_words":17,"start":4.16,"end":11.86},{"sentences":[{"text":"I had you booked in for a bit of a catch up.","start":12.48,"end":14.945,"sentiment":"neutral","sentiment_score":0.30662667751312256},{"text":"Is now still a good time for you?","start":14.945,"end":16.725,"sentiment":"neutral","sentiment_score":0.2973315343260765},{"text":"Yeah.","start":18.305,"end":18.545,"sentiment":"neutral","sentiment_score":0.14993484318256378},{"text":"Perfect.","start":18.545,"end":19.045,"sentiment":"neutral","sentiment_score":0.2865179777145386},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.425,"end":26.965,"sentiment":"neutral","sentiment_score":0.03113815650857728}],"sentiment":"neutral","sentiment_score":0.14505160322376326,"num_words":51,"start":12.48,"end":26.965},{"sentences":[{"text":"Yep.","start":28.625,"end":29.025,"sentiment":"neutral","sentiment_score":0.08649279177188873},{"text":"Perfect.","start":29.025,"end":29.52,"sentiment":"neutral","sentiment_score":0.19300749897956848},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":29.76,"end":37.7,"sentiment":"neutral","sentiment_score":0.0830757131093535},{"text":"Yeah.","start":43.92,"end":44.115,"sentiment":"neutral","sentiment_score":0.02035294473171234},{"text":"Yep.","start":47.795002,"end":48.295002,"sentiment":"neutral","sentiment_score":0.0626968964934349}],"sentiment":"neutral","sentiment_score":0.08399229733781381,"num_words":33,"start":28.625,"end":48.295002},{"sentences":[{"text":"Yeah.","start":48.835003,"end":49.235,"sentiment":"neutral","sentiment_score":0.1328958421945572},{"text":"Perfect.","start":49.235,"end":49.715,"sentiment":"positive","sentiment_score":0.40606051683425903},{"text":"That's exactly what I have here.","start":49.715,"end":51.655003,"sentiment":"positive","sentiment_score":0.414354532957077},{"text":"How's your morning been so far been busy?","start":51.955,"end":54.215,"sentiment":"neutral","sentiment_score":0.11441456619650126},{"text":"Well, I will try not to keep you for too long.","start":58.115,"end":60.879997,"sentiment":"neutral","sentiment_score":-0.05667628500271927}],"sentiment":"neutral","sentiment_score":0.12285040560419913,"num_words":27,"start":48.835003,"end":60.879997},{"sentences":[{"text":"Essentially, I have you booked in as you had your interview with my colleague, Samantha, a little while ago, and you mentioned that you wanted to talk a bit more in regards to your insurances.","start":61.579998,"end":74.159996,"sentiment":"neutral","sentiment_score":-0.05782838634082249},{"text":"Is that right?","start":74.299995,"end":88.145004,"sentiment":"neutral","sentiment_score":-0.07488403966029485},{"text":"Mhmm.","start":88.685005,"end":89.04,"sentiment":"neutral","sentiment_score":-0.16601711511611938},{"text":"Mhmm.","start":98.72,"end":99.22,"sentiment":"neutral","sentiment_score":-0.14501121640205383},{"text":"Mhmm.","start":124.69,"end":125.19,"sentiment":"neutral","sentiment_score":-0.15809017419815063}],"sentiment":"neutral","sentiment_score":-0.06628693040551209,"num_words":41,"start":61.579998,"end":125.19},{"sentences":[{"text":"Okay.","start":147.84001,"end":148.24,"sentiment":"neutral","sentiment_score":-0.15688185393810272},{"text":"No.","start":148.24,"end":148.74,"sentiment":"neutral","sentiment_score":-0.13287895917892456},{"text":"Yeah.","start":148.88,"end":149.28,"sentiment":"neutral","sentiment_score":-0.0707356408238411},{"text":"There's a couple of options for you.","start":149.28,"end":151.3,"sentiment":"neutral","sentiment_score":-0.029738509229251316},{"text":"Ultimately, it is completely up to you.","start":151.68001,"end":154.115,"sentiment":"neutral","sentiment_score":0.1679483668080398}],"sentiment":"neutral","sentiment_score":0.035704267594744175,"num_words":17,"start":147.84001,"end":154.115},{"sentences":[{"text":"I guess the biggest thing is that, typically, you'd obviously have the fees factored in.","start":154.895,"end":159.455,"sentiment":"neutral","sentiment_score":0.06022070261339347},{"text":"So like you said, you have your super in hub twenty four at the moment where you do have your ClearView insurances.","start":159.455,"end":165.715,"sentiment":"neutral","sentiment_score":0.05869121341542764},{"text":"Now you are then obviously paying for administration investment fees in hub twenty four, and then you do have our adviser fee as well that comes out of hub twenty four.","start":167.09,"end":177.59,"sentiment":"neutral","sentiment_score":0.03721790895947526},{"text":"Now, obviously, the the fund itself tends to be a little bit more expensive when you factor everything in in compared to your standard industry fund like, you know, Australian super and retirement trust and stuff like that.","start":178.45,"end":193.055,"sentiment":"neutral","sentiment_score":-0.088261059240291},{"text":"Typically, when we are then looking at the the performance of this fund, what you can do so the good thing with hub twenty four is how you can construct your portfolio.","start":194.58,"end":203.7,"sentiment":"neutral","sentiment_score":0.19949187146266922}],"sentiment":"neutral","sentiment_score":0.04621805831708986,"num_words":138,"start":154.895,"end":203.7},{"sentences":[{"text":"So there's, like, hundreds of different investment options to choose from, which is how we can obviously construct the portfolio together, which obviously would have been factored in when you when you came on board, and that's ultimately what does typically tend to outperform the performance of, let's say, your your Australian super or something like that.","start":203.7,"end":222.87001,"sentiment":"neutral","sentiment_score":0.23672894617183166},{"text":"So when we typically factor in, obviously, the net of, obviously, the fees and the return, it's something we have to factor in to make sure you're in a better position.","start":222.87001,"end":232.01001,"sentiment":"neutral","sentiment_score":0.0235904288448153},{"text":"But, ultimately, it's up to you.","start":232.23001,"end":233.53499,"sentiment":"neutral","sentiment_score":-0.019932982201377552},{"text":"If you feel like it's too expensive and you are not happy, it's up to you at the end of the day.","start":233.53499,"end":240.03499,"sentiment":"negative","sentiment_score":-0.40010991286147723},{"text":"Mhmm.","start":258.15,"end":258.405,"sentiment":"neutral","sentiment_score":-0.08510049432516098}],"sentiment":"neutral","sentiment_score":0.044596040645279944,"num_words":117,"start":203.7,"end":258.405},{"sentences":[{"text":"Yep.","start":278.58002,"end":279.08002,"sentiment":"neutral","sentiment_score":-0.1292850375175476},{"text":"Mhmm.","start":296.225,"end":296.725,"sentiment":"neutral","sentiment_score":-0.13132141530513763},{"text":"Mhmm.","start":297.095,"end":297.345,"sentiment":"neutral","sentiment_score":-0.05623728781938553},{"text":"Yep.","start":297.345,"end":297.845,"sentiment":"neutral","sentiment_score":-0.027048494666814804},{"text":"Yep.","start":299.825,"end":300.18,"sentiment":"neutral","sentiment_score":-0.07730427384376526}],"sentiment":"neutral","sentiment_score":-0.08423930183053016,"num_words":5,"start":278.58002,"end":300.18},{"sentences":[{"text":"Mhmm.","start":300.18,"end":300.68,"sentiment":"neutral","sentiment_score":-0.09168234467506409},{"text":"Yep.","start":310.97998,"end":311.47998,"sentiment":"neutral","sentiment_score":-0.08302664011716843},{"text":"Yeah.","start":312.9,"end":313.4,"sentiment":"neutral","sentiment_score":-0.154253751039505},{"text":"Yeah.","start":315.78,"end":316.095,"sentiment":"neutral","sentiment_score":-0.09139277786016464},{"text":"I understand.","start":316.895,"end":317.555,"sentiment":"neutral","sentiment_score":-0.05201127752661705}],"sentiment":"neutral","sentiment_score":-0.08739634479085605,"num_words":6,"start":300.18,"end":317.555},{"sentences":[{"text":"And there are, I guess, two ways.","start":317.695,"end":320.495,"sentiment":"neutral","sentiment_score":-0.05011017035160746},{"text":"If you would like me to because I don't think we've spoken before, Sandra, I'd be more than happy because part of the unreview time, it is always good to review the portfolio, because things and markets are always constantly changing.","start":320.495,"end":334.68997,"sentiment":"neutral","sentiment_score":0.09868048513081015},{"text":"So it is important to review your investments to make sure that, you know, what we recommended for you when you came onboard in 2023, that's not potentially always going to be the best option because things are always constantly changing.","start":334.90997,"end":346.905,"sentiment":"neutral","sentiment_score":-0.09061663788629741},{"text":"So it's up to you if you would like me to do some data on your current portfolio to see if I can make some changes to improve things for you and put you in a better position.","start":347.285,"end":358.085,"sentiment":"neutral","sentiment_score":0.1768487548749698},{"text":"If you are happy for me to do so, I am more than happy to do that to see if we can, you know, improve things for you.","start":358.085,"end":364.86002,"sentiment":"positive","sentiment_score":0.4015665426850319}],"sentiment":"neutral","sentiment_score":0.1157674995160872,"num_words":155,"start":317.695,"end":364.86002},{"sentences":[{"text":"But if you very much feel like, you know what, I'm I'm not happy with the fees.","start":364.86002,"end":368.94,"sentiment":"negative","sentiment_score":-0.4985160393749966},{"text":"I'm not happy with the way things are.","start":368.94,"end":371.18,"sentiment":"negative","sentiment_score":-0.6840958073735237},{"text":"I would like to do go elsewhere.","start":371.18,"end":373.1,"sentiment":"negative","sentiment_score":-0.6624050906726292},{"text":"Ultimately, it is up to you.","start":373.1,"end":381.695,"sentiment":"neutral","sentiment_score":-0.10532183696826299},{"text":"Mhmm.","start":387.18,"end":387.68,"sentiment":"neutral","sentiment_score":-0.0350370779633522}],"sentiment":"negative","sentiment_score":-0.49362417597037095,"num_words":39,"start":364.86002,"end":387.68},{"sentences":[{"text":"Yep.","start":392.94,"end":393.34,"sentiment":"neutral","sentiment_score":0.040368255227804184},{"text":"Yes.","start":393.34,"end":393.84,"sentiment":"neutral","sentiment_score":0.05722938850522041},{"text":"Yes.","start":400.38,"end":400.88,"sentiment":"neutral","sentiment_score":-0.030501948669552803},{"text":"Yes.","start":402.285,"end":402.445,"sentiment":"neutral","sentiment_score":-0.06193441152572632},{"text":"Correct.","start":402.445,"end":402.945,"sentiment":"neutral","sentiment_score":-0.006442841142416}],"sentiment":"neutral","sentiment_score":-0.00025631152093410494,"num_words":5,"start":392.94,"end":402.945},{"sentences":[{"text":"Yeah.","start":404.845,"end":405.16498,"sentiment":"neutral","sentiment_score":0.001414695754647255},{"text":"Yeah.","start":405.16498,"end":405.66498,"sentiment":"neutral","sentiment_score":-0.03629361093044281},{"text":"Yes.","start":409.16498,"end":409.66498,"sentiment":"neutral","sentiment_score":-0.04337279498577118},{"text":"And that's why you have that?","start":409.965,"end":411.345,"sentiment":"neutral","sentiment_score":0.0033753251967330775},{"text":"Yes.","start":411.485,"end":411.985,"sentiment":"neutral","sentiment_score":0.04145115613937378}],"sentiment":"neutral","sentiment_score":-0.001654860284179449,"num_words":10,"start":404.845,"end":411.985},{"sentences":[{"text":"Yes.","start":423.5,"end":424.0,"sentiment":"neutral","sentiment_score":0.01500840112566948},{"text":"Yeah.","start":424.22,"end":424.72,"sentiment":"neutral","sentiment_score":0.0121169351041317},{"text":"Yes.","start":447.61002,"end":448.11002,"sentiment":"neutral","sentiment_score":-0.06654036045074463},{"text":"Yes.","start":458.785,"end":459.285,"sentiment":"neutral","sentiment_score":-0.19045324623584747},{"text":"Yes.","start":464.065,"end":464.565,"sentiment":"neutral","sentiment_score":-0.1931842714548111}],"sentiment":"neutral","sentiment_score":-0.0846105083823204,"num_words":5,"start":423.5,"end":464.565},{"sentences":[{"text":"Yes.","start":465.505,"end":466.005,"sentiment":"neutral","sentiment_score":0.010960539802908896},{"text":"Okay.","start":491.85498,"end":492.21,"sentiment":"neutral","sentiment_score":-0.013530947268009186},{"text":"Yep.","start":498.13,"end":498.63,"sentiment":"neutral","sentiment_score":-0.02650659531354904},{"text":"Okay.","start":504.28998,"end":504.78998,"sentiment":"neutral","sentiment_score":-0.1525242030620575},{"text":"Yeah.","start":505.88998,"end":506.205,"sentiment":"neutral","sentiment_score":-0.084510438144207}],"sentiment":"neutral","sentiment_score":-0.053222328796982764,"num_words":5,"start":465.505,"end":506.205},{"sentences":[{"text":"Yeah.","start":507.965,"end":508.465,"sentiment":"neutral","sentiment_score":-0.039226431399583817},{"text":"Yep.","start":509.485,"end":509.985,"sentiment":"neutral","sentiment_score":-0.02931292913854122},{"text":"Do do you know yeah.","start":514.52496,"end":517.245,"sentiment":"neutral","sentiment_score":-0.06303556188941002},{"text":"What I can do for you, Sandra, because, obviously, we do all that research.","start":517.245,"end":520.765,"sentiment":"neutral","sentiment_score":0.19616745359131268},{"text":"I'm happy to do that for you and put it together in a document that you can see it.","start":520.765,"end":525.29004,"sentiment":"positive","sentiment_score":0.40095463081410054}],"sentiment":"neutral","sentiment_score":0.24951912914402782,"num_words":40,"start":507.965,"end":525.29004},{"sentences":[{"text":"Then after that, you can obviously do your own research.","start":525.29004,"end":527.77,"sentiment":"neutral","sentiment_score":0.17632176727056503},{"text":"But I'd be more than happy to review your current super, how things are going, potentially make recommendations if we need to change it.","start":527.77,"end":537.04504,"sentiment":"neutral","sentiment_score":0.3234265532810241},{"text":"But then in addition, I'm happy to do a direct comparison through someone else that you've been looking at to show you the price difference and the returns difference and projecting that forward for a couple of years so that you can see it.","start":537.10504,"end":549.84503,"sentiment":"positive","sentiment_score":0.629491344771602},{"text":"I'm happy to do that for you if you want me to to try to assist with the research.","start":550.145,"end":555.06,"sentiment":"positive","sentiment_score":0.635756558493564},{"text":"Would you be open for me to do that?","start":557.36,"end":559.28,"sentiment":"neutral","sentiment_score":0.13025386134783426}],"sentiment":"positive","sentiment_score":0.476176730989707,"num_words":106,"start":525.29004,"end":559.28},{"sentences":[{"text":"Yep.","start":559.28,"end":559.78,"sentiment":"neutral","sentiment_score":0.11329521983861925},{"text":"Now which are some other options you've looked at?","start":562.08,"end":564.9,"sentiment":"neutral","sentiment_score":0.09173121717241076},{"text":"Because then I can use that.","start":565.2,"end":566.24,"sentiment":"neutral","sentiment_score":0.15908351043860117},{"text":"Which one was the one that you were kind of leaning towards as another option, like another super fund?","start":566.24,"end":571.655,"sentiment":"neutral","sentiment_score":0.12924326720990634},{"text":"Do you have one that you were kind of researching that you want me to include as a comparison?","start":571.655,"end":577.195,"sentiment":"neutral","sentiment_score":0.13639306433890996}],"sentiment":"neutral","sentiment_score":0.12852717660091542,"num_words":54,"start":559.28,"end":577.195},{"sentences":[{"text":"Yep.","start":583.11005,"end":583.61005,"sentiment":"neutral","sentiment_score":0.08326415717601776},{"text":"Okay.","start":586.15,"end":586.55005,"sentiment":"neutral","sentiment_score":0.190338671207428},{"text":"So Vanguard and Hester, I can do those for you.","start":586.55005,"end":592.27496,"sentiment":"neutral","sentiment_score":0.3028018668293953},{"text":"Now the the other thing to factor in is your risk profile.","start":592.27496,"end":598.115,"sentiment":"neutral","sentiment_score":-0.007918387030561766},{"text":"So it's also how your money is invested.","start":598.115,"end":601.65497,"sentiment":"neutral","sentiment_score":0.0614638333208859}],"sentiment":"neutral","sentiment_score":0.11557223496492952,"num_words":32,"start":583.11005,"end":601.65497},{"sentences":[{"text":"So if you are comparing, let's say, a balanced option, so more defensive versus, let's say, an aggressive portfolio, the aggressive in the long term tend to have better returns.","start":601.71497,"end":613.78,"sentiment":"neutral","sentiment_score":0.10783136946459611},{"text":"There's more fluctuations.","start":613.78,"end":614.76,"sentiment":"neutral","sentiment_score":-0.07586033269762993},{"text":"So I wanna make sure I do, like, a a a like for like comparison, like comparing apples to apples when we are looking at your risk tolerance and how much fluctuations.","start":615.30005,"end":624.17505,"sentiment":"neutral","sentiment_score":0.07569953566417098},{"text":"So at the moment, we have you in, like, a growth portfolio.","start":624.955,"end":628.575,"sentiment":"neutral","sentiment_score":0.0870129984493057},{"text":"So it's kind of in the middle where you are focusing on growing your superannuation.","start":628.79504,"end":633.135,"sentiment":"neutral","sentiment_score":0.17995578249295552}],"sentiment":"neutral","sentiment_score":0.09970910810743985,"num_words":92,"start":601.71497,"end":633.135},{"sentences":[{"text":"So we have about 80% in your growth investment.","start":634.635,"end":638.44,"sentiment":"neutral","sentiment_score":0.21992247800032297},{"text":"So that's kind of what's gonna give you the returns in the long term.","start":638.66003,"end":641.96,"sentiment":"neutral","sentiment_score":0.3299029107604708},{"text":"So you'll have your Australian shares and your international shares and property, for example.","start":642.26,"end":647.86005,"sentiment":"neutral","sentiment_score":0.21290280350617},{"text":"So it's about 80% there.","start":647.86005,"end":650.03503,"sentiment":"neutral","sentiment_score":0.26412872076034544},{"text":"And then about 20% in more defensive.","start":650.03503,"end":653.41504,"sentiment":"neutral","sentiment_score":0.13802725608859742}],"sentiment":"neutral","sentiment_score":0.24215136118689362,"num_words":49,"start":634.635,"end":653.41504},{"sentences":[{"text":"So that will be your your cash, your gold, your fixed interest, for example.","start":653.715,"end":658.53503,"sentiment":"neutral","sentiment_score":0.1815015088234629},{"text":"To try to limit fluctuations a little bit, do you feel like you were quite happy with, like, a a growth portfolio, or what are your kind of what have you been looking at?","start":659.395,"end":671.81,"sentiment":"neutral","sentiment_score":0.13701517441693475},{"text":"Or would you wanna take on, you know, more risk and fluctuations given, you know, you do have a bit of time to retirement or are seeing fluctuations, does that make you, like, a little bit worried as well?","start":671.81,"end":682.725,"sentiment":"neutral","sentiment_score":-0.02963967936543318},{"text":"Okay.","start":686.705,"end":687.185,"sentiment":"neutral","sentiment_score":0.2290704846382141},{"text":"Perfect.","start":687.185,"end":687.685,"sentiment":"positive","sentiment_score":0.5033137798309326}],"sentiment":"neutral","sentiment_score":0.0761345373361968,"num_words":89,"start":653.715,"end":687.685},{"sentences":[{"text":"Growth.","start":688.945,"end":689.345,"sentiment":"neutral","sentiment_score":0.21140536665916443},{"text":"Okay.","start":689.345,"end":689.665,"sentiment":"neutral","sentiment_score":0.23278215527534485},{"text":"Perfect.","start":689.665,"end":690.065,"sentiment":"positive","sentiment_score":0.3551212251186371},{"text":"So what I'll do then you is that I would look at a similar option in Vanguard and HESTA for you.","start":690.065,"end":696.07,"sentiment":"neutral","sentiment_score":0.1809802928141185},{"text":"So looking at kind of the same split and then comparing the fees.","start":696.13,"end":701.11,"sentiment":"neutral","sentiment_score":0.10036849459776512}],"sentiment":"neutral","sentiment_score":0.15958608988974546,"num_words":37,"start":688.945,"end":701.11},{"sentences":[{"text":"So, obviously, assuming if you go to HESTA and Vanguard, you wouldn't have a device of fees.","start":701.17,"end":705.81,"sentiment":"neutral","sentiment_score":0.15249359081773198},{"text":"So I'll factor in all of that for you versus if you stay in Hub fee in Hub 24 and have our adviser fees, what that would change.","start":705.81,"end":716.275,"sentiment":"neutral","sentiment_score":0.19423542703901017},{"text":"So I'm more than happy to do that research for you, and then I'll obviously make my recommendation.","start":716.975,"end":721.76,"sentiment":"positive","sentiment_score":0.5939187175697751},{"text":"You can get all the research and see what you would like to do.","start":722.38,"end":725.2,"sentiment":"positive","sentiment_score":0.43091618376118795},{"text":"And after that, if you tell me, you know what?","start":725.33997,"end":727.68,"sentiment":"neutral","sentiment_score":0.06564923636615276}],"sentiment":"neutral","sentiment_score":0.292078607512274,"num_words":87,"start":701.17,"end":727.68},{"sentences":[{"text":"I still wanna go somewhere else, then we can help you with the process of if you do decide that that's what you would like to do.","start":727.82,"end":734.935,"sentiment":"neutral","sentiment_score":0.15472146440987233},{"text":"Yeah.","start":735.875,"end":736.115,"sentiment":"neutral","sentiment_score":0.14746437966823578},{"text":"You're happy for me to do that?","start":736.115,"end":737.655,"sentiment":"positive","sentiment_score":0.3737720676830837},{"text":"Yeah.","start":738.59503,"end":738.91504,"sentiment":"neutral","sentiment_score":0.23350468277931213},{"text":"Alright.","start":738.91504,"end":739.41504,"sentiment":"positive","sentiment_score":0.3436931371688843}],"sentiment":"neutral","sentiment_score":0.20320395168823166,"num_words":37,"start":727.82,"end":739.41504},{"sentences":[{"text":"Perfect.","start":739.47504,"end":739.97504,"sentiment":"positive","sentiment_score":0.4697409868240357},{"text":"So I guess when it comes to, obviously, researching your servers as well, so fee is is a big thing for you.","start":743.635,"end":749.16,"sentiment":"neutral","sentiment_score":0.29465718228708615},{"text":"So try to minimize the fees as much as as much as we can.","start":749.16,"end":752.45996,"sentiment":"neutral","sentiment_score":0.2683394008449146},{"text":"Yep.","start":753.88,"end":754.27997,"sentiment":"neutral","sentiment_score":0.187267541885376},{"text":"Okay.","start":754.27997,"end":754.68,"sentiment":"neutral","sentiment_score":0.2248414307832718}],"sentiment":"neutral","sentiment_score":0.285155373888138,"num_words":39,"start":739.47504,"end":754.68},{"sentences":[{"text":"So I'll have a look at some of those investments if I can try to reduce the fees a little bit there for you as well.","start":754.68,"end":759.765,"sentiment":"neutral","sentiment_score":0.3106803894042969},{"text":"Now at the moment, you obviously have your Clearview insurances as well paid from within Hub twenty four.","start":761.765,"end":769.22504,"sentiment":"neutral","sentiment_score":0.2540780570771959},{"text":"Are you still quite happy with your insurances and and stuff like that?","start":770.005,"end":774.565,"sentiment":"neutral","sentiment_score":0.2335256659067594},{"text":"It's super that's a factor for you right now.","start":774.565,"end":779.14996,"sentiment":"positive","sentiment_score":0.46966345773802864},{"text":"Yep.","start":787.145,"end":787.645,"sentiment":"neutral","sentiment_score":0.06172968074679375}],"sentiment":"neutral","sentiment_score":0.2981437255086294,"num_words":67,"start":754.68,"end":787.645},{"sentences":[{"text":"Yep.","start":793.785,"end":794.285,"sentiment":"neutral","sentiment_score":0.049173504114151},{"text":"Yep.","start":801.305,"end":801.805,"sentiment":"neutral","sentiment_score":0.09607911109924316},{"text":"Yes.","start":802.105,"end":802.425,"sentiment":"neutral","sentiment_score":0.12635117769241333},{"text":"There is.","start":802.425,"end":803.12,"sentiment":"neutral","sentiment_score":0.10428926348686218},{"text":"Yeah.","start":803.12,"end":803.62,"sentiment":"neutral","sentiment_score":0.004579545930027962}],"sentiment":"neutral","sentiment_score":0.0807936443015933,"num_words":6,"start":793.785,"end":803.62},{"sentences":[{"text":"Yeah.","start":808.32,"end":808.82,"sentiment":"neutral","sentiment_score":0.08605054765939713},{"text":"And the cover that you have with Klaviyo, it is quite affordable for what you are getting, and it is a medically underwritten cover already.","start":808.88,"end":815.83997,"sentiment":"positive","sentiment_score":0.39185174465179445},{"text":"So it's already tailored to you, and anything that would happen from when you took out the cover, you are covered for.","start":815.83997,"end":821.67505,"sentiment":"neutral","sentiment_score":0.30776625736193225},{"text":"So if you decide that you would like to go elsewhere, you can still keep your current insurances because it's a separate a separate company, and you can just change where it's being paid from if you decide at the end of the day that that's what you would like to do.","start":822.215,"end":837.31,"sentiment":"neutral","sentiment_score":0.12395970394405034},{"text":"But for the time being, I'll just leave your insurances then and just focus on your.","start":838.17,"end":844.35,"sentiment":"neutral","sentiment_score":-0.01316126948222518}],"sentiment":"neutral","sentiment_score":0.19731488033872227,"num_words":116,"start":808.32,"end":844.35},{"sentences":[{"text":"Now part of the research is factoring in, obviously, you like you said, your fees and returns and everything like that.","start":844.73,"end":854.395,"sentiment":"neutral","sentiment_score":0.018713171283404034},{"text":"And can I just confirm as well that Sam mentioned that you are currently not working, so you're not getting any contributions to super?","start":854.61505,"end":861.97504,"sentiment":"neutral","sentiment_score":-0.19264303768674532},{"text":"Is that correct?","start":861.97504,"end":864.92,"sentiment":"neutral","sentiment_score":-0.13114784409602484},{"text":"Okay.","start":865.46,"end":865.96,"sentiment":"neutral","sentiment_score":-0.06439915299415588},{"text":"And are you planning on going back to work eventually, or what's are you just having some time off at the moment?","start":866.5,"end":873.16,"sentiment":"neutral","sentiment_score":-0.09280596436424689}],"sentiment":"neutral","sentiment_score":-0.09478915787078965,"num_words":71,"start":844.73,"end":873.16},{"sentences":[{"text":"Okay.","start":882.615,"end":883.115,"sentiment":"neutral","sentiment_score":0.1203671395778656},{"text":"Perfect.","start":883.255,"end":883.755,"sentiment":"neutral","sentiment_score":0.21806751191616056},{"text":"So at the moment, obviously, if you're not working, you are not getting contributions into superannuation.","start":884.055,"end":889.675,"sentiment":"neutral","sentiment_score":-0.28335799742490053},{"text":"Are you wanting to make your own contributions or not really right now?","start":891.51996,"end":896.25995,"sentiment":"neutral","sentiment_score":-0.14523536539994752},{"text":"Nope.","start":898.0,"end":898.5,"sentiment":"negative","sentiment_score":-0.38005897402763367}],"sentiment":"neutral","sentiment_score":-0.20198162598535419,"num_words":32,"start":882.615,"end":898.5},{"sentences":[{"text":"Nope.","start":899.12,"end":899.51996,"sentiment":"neutral","sentiment_score":-0.28651198744773865},{"text":"That's okay.","start":899.51996,"end":900.33997,"sentiment":"neutral","sentiment_score":-0.11741451919078827},{"text":"Let me see here if there's anything else that I need to confirm with you.","start":901.92,"end":906.895,"sentiment":"neutral","sentiment_score":0.05555863976478577},{"text":"No.","start":909.995,"end":910.395,"sentiment":"neutral","sentiment_score":-0.1872704327106476},{"text":"That is everything.","start":910.395,"end":911.53503,"sentiment":"neutral","sentiment_score":-0.10602135956287384}],"sentiment":"neutral","sentiment_score":-0.00878617912530899,"num_words":22,"start":899.12,"end":911.53503},{"sentences":[{"text":"So what I'll do is I will go and do this research for you, Sandra.","start":911.915,"end":915.215,"sentiment":"neutral","sentiment_score":0.2464928835630417},{"text":"I'll look into your hub 24, and I'll compare your Vanguard and your as an alternative for you as well just so you can see.","start":915.8,"end":922.69995,"sentiment":"neutral","sentiment_score":0.2723609471321106},{"text":"And then once we have that, I will actually send you the documents for that appointment so that you can see the figures in front of you at the same time to make it easy.","start":923.63995,"end":933.705,"sentiment":"positive","sentiment_score":0.37318747980254036},{"text":"You still obviously have time to go and do that research yourself afterwards.","start":933.765,"end":937.705,"sentiment":"neutral","sentiment_score":0.11256816983222961},{"text":"But, hopefully, because I'll give you all the research material as well that we've used.","start":938.16504,"end":942.24506,"sentiment":"positive","sentiment_score":0.37157349785168964}],"sentiment":"neutral","sentiment_score":0.2971356058294333,"num_words":103,"start":911.915,"end":942.24506},{"sentences":[{"text":"Sorry.","start":942.24506,"end":942.645,"sentiment":"neutral","sentiment_score":0.041579604148864746},{"text":"Hopefully, that will make things a little bit easier for you, and then you can obviously decide what you would like to do.","start":942.645,"end":947.54,"sentiment":"positive","sentiment_score":0.39114946580451465},{"text":"Perfect.","start":948.72,"end":949.22,"sentiment":"positive","sentiment_score":0.6149569153785706},{"text":"Now it will take maybe a week or two to get all of this research sorted.","start":949.44,"end":956.98,"sentiment":"neutral","sentiment_score":0.32938953023403883},{"text":"But as soon as I do have it all together, the team will give you a quick call to book you in for another follow-up with me, and that's when we'll go through all the research together.","start":957.52,"end":968.015,"sentiment":"neutral","sentiment_score":0.30793149930399816}],"sentiment":"positive","sentiment_score":0.3373932332182542,"num_words":78,"start":942.24506,"end":968.015},{"sentences":[{"text":"And, yeah, if you do decide that you wanna go elsewhere after that, then we can obviously assist you with that process as well.","start":968.015,"end":980.3,"sentiment":"neutral","sentiment_score":0.1082497031117479},{"text":"Yeah.","start":980.3,"end":980.54,"sentiment":"neutral","sentiment_score":-0.13276347517967224},{"text":"I have to do all that research for you, which does takes takes quite a while to obviously collect everything and, you know, do all the math and everything for you to to make sure that I have all the information for you, and that's all correct.","start":980.54,"end":994.885,"sentiment":"neutral","sentiment_score":-0.005399851564397203},{"text":"So, yeah, it's it's it takes a little bit for me to do that reset, but I will do it as soon as I can for you.","start":995.185,"end":1001.52,"sentiment":"neutral","sentiment_score":0.07883996012862082},{"text":"And as soon as I have it ready, I'll give you a call and we can go through it.","start":1001.98,"end":1006.0,"sentiment":"neutral","sentiment_score":0.20871568706474805}],"sentiment":"neutral","sentiment_score":0.07038740130236089,"num_words":118,"start":968.015,"end":1006.0},{"sentences":[{"text":"But, you know, if you do have any other questions in the meantime, you know, just give me a call, and, yeah, I'd be more than happy to to talk further.","start":1006.38,"end":1014.795,"sentiment":"neutral","sentiment_score":0.13315305954987003},{"text":"But, otherwise, I'll try to get this done as soon as I can for you.","start":1014.795,"end":1017.855,"sentiment":"neutral","sentiment_score":0.1029814261943102},{"text":"Yes.","start":1022.075,"end":1022.315,"sentiment":"neutral","sentiment_score":0.058544740080833435},{"text":"Yep.","start":1022.315,"end":1022.635,"sentiment":"neutral","sentiment_score":0.05566995590925217},{"text":"I can do Vanguard and Hester.","start":1022.635,"end":1024.575,"sentiment":"neutral","sentiment_score":0.04408089816570282}],"sentiment":"neutral","sentiment_score":0.11205863562860975,"num_words":54,"start":1006.38,"end":1024.575},{"sentences":[{"text":"Is those two you were kind of Virgin?","start":1024.955,"end":1030.35,"sentiment":"neutral","sentiment_score":0.0055220433278009295},{"text":"Yep.","start":1032.19,"end":1032.4299,"sentiment":"neutral","sentiment_score":0.055588603019714355},{"text":"Okay.","start":1032.4299,"end":1032.83,"sentiment":"neutral","sentiment_score":0.07477965950965881},{"text":"Yeah.","start":1032.83,"end":1033.07,"sentiment":"neutral","sentiment_score":0.1046684831380844},{"text":"I can do that.","start":1033.07,"end":1033.71,"sentiment":"neutral","sentiment_score":0.12437378242611885}],"sentiment":"neutral","sentiment_score":0.05178054813295603,"num_words":15,"start":1024.955,"end":1033.71},{"sentences":[{"text":"So Vanguard, Hesta, and Virgin.","start":1033.71,"end":1035.89,"sentiment":"neutral","sentiment_score":0.06747580915689469},{"text":"Yep.","start":1037.07,"end":1037.39,"sentiment":"neutral","sentiment_score":0.09635499119758606},{"text":"Okay.","start":1037.39,"end":1037.87,"sentiment":"neutral","sentiment_score":0.1271924376487732},{"text":"No problem.","start":1037.87,"end":1038.51,"sentiment":"neutral","sentiment_score":0.19411039352416992},{"text":"And I'll look to that growth comparison for you as well.","start":1038.51,"end":1041.8099,"sentiment":"neutral","sentiment_score":0.17820039120587436}],"sentiment":"neutral","sentiment_score":0.14546757824718953,"num_words":20,"start":1033.71,"end":1041.8099},{"sentences":[{"text":"Yep.","start":1043.71,"end":1044.11,"sentiment":"positive","sentiment_score":0.3655164241790771},{"text":"Okay.","start":1044.11,"end":1044.61,"sentiment":"neutral","sentiment_score":0.20439466834068296},{"text":"No problem.","start":1044.99,"end":1045.71,"sentiment":"neutral","sentiment_score":0.3205249458551407},{"text":"Is there anything else that I can help you with at least for now, Sandra?","start":1045.71,"end":1048.825,"sentiment":"neutral","sentiment_score":0.20435328682263693},{"text":"No?","start":1051.0449,"end":1051.5449,"sentiment":"neutral","sentiment_score":-0.1827680468559265}],"sentiment":"neutral","sentiment_score":0.20467461198568343,"num_words":20,"start":1043.71,"end":1051.5449},{"sentences":[{"text":"Yeah.","start":1058.005,"end":1058.4,"sentiment":"neutral","sentiment_score":-0.05690166354179382},{"text":"And I understand, obviously, the fees and returns, you need to make sure that you, you know, make it worth.","start":1058.56,"end":1063.2001,"sentiment":"neutral","sentiment_score":-0.0577790554612875},{"text":"And and part of, obviously, my job is, like, I'm quite bound by a lot of legislation and the best interest you do for you.","start":1063.2001,"end":1071.055,"sentiment":"neutral","sentiment_score":-0.009782890267670154},{"text":"And that is that, you know, when I do make my recommendations, they have to put you in a better position.","start":1071.055,"end":1076.115,"sentiment":"neutral","sentiment_score":-0.0015520362981728145},{"text":"Otherwise, I can't make the recommendation.","start":1076.495,"end":1078.1951,"sentiment":"neutral","sentiment_score":-0.14700998986760774}],"sentiment":"neutral","sentiment_score":-0.032489146998994155,"num_words":73,"start":1058.005,"end":1078.1951},{"sentences":[{"text":"And if I do all the research and it shows you that, you know, Vanguard is going to be a better option for you with what your goals are and what you wanna achieve, then that will be option for you with what your goals are and what you wanna achieve, then that will be my recommendation.","start":1078.3351,"end":1087.7899,"sentiment":"neutral","sentiment_score":0.11299965759379822},{"text":"Like, I'm not tied to anything.","start":1088.4099,"end":1089.95,"sentiment":"neutral","sentiment_score":0.04658833456536134},{"text":"So it's it's I'm just basically, you know, making sure that everything I do is for you.","start":1090.1699,"end":1098.125,"sentiment":"neutral","sentiment_score":0.056401644997736984},{"text":"Yeah.","start":1099.145,"end":1099.545,"sentiment":"neutral","sentiment_score":0.283722847700119},{"text":"Yeah.","start":1099.545,"end":1100.045,"sentiment":"neutral","sentiment_score":0.219763845205307}],"sentiment":"neutral","sentiment_score":0.09979055058665393,"num_words":82,"start":1078.3351,"end":1100.045},{"sentences":[{"text":"No problem.","start":1100.105,"end":1100.9249,"sentiment":"neutral","sentiment_score":0.22614888101816177},{"text":"Like I said, I'll give you a call as soon as I have this ready for you.","start":1101.625,"end":1104.505,"sentiment":"neutral","sentiment_score":0.17398865214165518},{"text":"But, yeah, it might be, like, a week or two, but I'll try my best to do it as soon as I can.","start":1104.505,"end":1110.7401,"sentiment":"neutral","sentiment_score":0.13189260685897392},{"text":"No problem at all, Sandra.","start":1110.7401,"end":1112.02,"sentiment":"neutral","sentiment_score":0.1903253197669983},{"text":"I will let you go, and we'll speak very soon.","start":1112.02,"end":1114.3601,"sentiment":"neutral","sentiment_score":0.30271844267845155}],"sentiment":"neutral","sentiment_score":0.18284992687404156,"num_words":57,"start":1100.105,"end":1114.3601},{"sentences":[{"text":"Thank you, Sandra.","start":1116.66,"end":1117.64,"sentiment":"positive","sentiment_score":0.7006449500719706},{"text":"Bye.","start":1118.26,"end":1118.76,"sentiment":"positive","sentiment_score":0.3860572576522827},{"text":"You too.","start":1119.3,"end":1119.9401,"sentiment":"positive","sentiment_score":0.3375733941793442},{"text":"Bye.","start":1119.9401,"end":1120.4401,"sentiment":"neutral","sentiment_score":-0.12019120156764984}],"sentiment":"positive","sentiment_score":0.4347068135227476,"num_words":7,"start":1116.66,"end":1120.4401}]}}]},{"alternatives":[{"transcript":"Sandra speaking. Hi. How are you? Yes. Yes. Sandra Cordova. 10/14/1983. And the address is 42 Lake Street, Upper Mangrabat. Yeah. Let me go Well, because actually, because, she when she send me she was talking about the performance of the supa. I told her that I really didn't have a much point of comparison because I haven't done my homework checking. And, yeah, she she says that she can, dip into the performance with you. However, I've been I've been doing the homework, and I've been researching all the funds and fees. And I realized that this one is being really, really expensive in fees. So, yeah, I just wanted to check with you guys because I'm not I think I'm not willing to go ahead with the fund because compared with with other funds, I've been really paying too much in in in your admin fees. So I don't know what I have to do to to Mhmm. Yeah. Because, actually, I checked the performance and it was the the the return, it was 6.9. I've been looking I've been checking other phones and they got pretty much the same return. And it's the it it still, it's like I'm paying more than my than $1,500 more with you guys. And I was, I mean, all this time, I've been, like, very, very busy that I didn't pay much attention to that until now that I got the time. And I went and I I research and I was looking and I said no. It's it's seriously too much money that I've been paying and still the return is pretty much the same. And even if it was high, I've been paying too much in army. So the the I I you know, the the return that I'm getting in in in in earning is going to fees. So I'm not doing anything then. Mhmm. Yeah. But it's it's I think it's I'm I'm not I don't know how the things work. I need to do my portfolio. So I was trusting you guys do it for me. So I thought that was the the the well, the the fee I'm paying, you know, because I have no idea about the the the how to share those things and make it better because I'm not exploring in the in the subject. So yeah. And and I know that that is the thing you guys are that's the cost. You know? But at the end of the day, the other funds could be I I don't know. When if I would see and at the end of the day, everything is going to be pretty much the same because the market is paying for everyone. You know? The shares are gonna go up and down for everyone. So so it's gonna be very volatile. I cannot expect to have a very, very high return because if I'm not wise. And I'm not gonna be wise because I'm in a position that I cannot risk risk too much. And, yeah, I think that if I'm going with the with the current portfolio that I got, is well, is is wise because I'm not gonna raise much. But, of course, the return is not gonna be as high, but I need to check how to how to cut with the cost because, actually, it was too high. It it was seriously, when I checked the other options and I see the cost, I don't know if the return is pretty much the same. So I don't know what is the difference. I may have to check and prove another one to maybe go back to you guys and say, yeah, it's better with you, but I need to prove it first. Mhmm. Mhmm. Yep. Yeah. There was Vanguard, there was Hestan, and there was Virgin. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. No. I think the growth is fine. Yeah. I would like to keep it same. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. I was checking also the insurances, but those ones I haven't checked it yet. I would say that at the moment, I would keep the if possible, the same insurance while, like, I see if there is any other option. Because this one got the three the three piece. So, yeah, I haven't I haven't got the time to check the other ones. Mhmm. No. Since December. I'm having a time off, but, yeah, I may I may return maybe middle of the year or so. Yeah. Yes. No. Not at the moment. No. Mhmm. Mhmm. Mhmm. Mhmm. Okay. So you you are you cannot give me that information in this call. We have to wait a little bit. Mhmm. Okay. Mhmm. Okay. And can you also include the Vanga? An an sorry. Virgin? Virgin. Yeah. Yes. Oh, awesome. Yeah. That would help. Awesome. No. I think that if because if we have not data, it's difficult to take decisions. Okay. Okay. Okay. That's great. Thank you. Oh, awesome. That's good. Sounds good. Awesome. Thank you very much. K. You have a good day. Thanks. 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speaking. Hi. How are you? Yes. Yes.\n\nSandra Cordova. 10/14/1983. And the address is 42 Lake Street, Upper Mangrabat. Yeah. Let me go Well, because actually, because, she when she send me she was talking about the performance of the supa.\n\nI told her that I really didn't have a much point of comparison because I haven't done my homework checking. And, yeah, she she says that she can, dip into the performance with you. However, I've been I've been doing the homework, and I've been researching all the funds and fees. And I realized that this one is being really, really expensive in fees. So, yeah, I just wanted to check with you guys because I'm not I think I'm not willing to go ahead with the fund because compared with with other funds, I've been really paying too much in in in your admin fees.\n\nSo I don't know what I have to do to to Mhmm. Yeah. Because, actually, I checked the performance and it was the the the return, it was 6.9. I've been looking I've been checking other phones and they got pretty much the same return. And it's the it it still, it's like I'm paying more than my than $1,500 more with you guys.\n\nAnd I was, I mean, all this time, I've been, like, very, very busy that I didn't pay much attention to that until now that I got the time. And I went and I I research and I was looking and I said no. It's it's seriously too much money that I've been paying and still the return is pretty much the same. And even if it was high, I've been paying too much in army. So the the I I you know, the the return that I'm getting in in in in earning is going to fees.\n\nSo I'm not doing anything then. Mhmm. Yeah. But it's it's I think it's I'm I'm not I don't know how the things work. I need to do my portfolio.\n\nSo I was trusting you guys do it for me. So I thought that was the the the well, the the fee I'm paying, you know, because I have no idea about the the the how to share those things and make it better because I'm not exploring in the in the subject. So yeah. And and I know that that is the thing you guys are that's the cost. You know?\n\nBut at the end of the day, the other funds could be I I don't know. When if I would see and at the end of the day, everything is going to be pretty much the same because the market is paying for everyone. You know? The shares are gonna go up and down for everyone. So so it's gonna be very volatile.\n\nI cannot expect to have a very, very high return because if I'm not wise. And I'm not gonna be wise because I'm in a position that I cannot risk risk too much. And, yeah, I think that if I'm going with the with the current portfolio that I got, is well, is is wise because I'm not gonna raise much. But, of course, the return is not gonna be as high, but I need to check how to how to cut with the cost because, actually, it was too high. It it was seriously, when I checked the other options and I see the cost, I don't know if the return is pretty much the same.\n\nSo I don't know what is the difference. I may have to check and prove another one to maybe go back to you guys and say, yeah, it's better with you, but I need to prove it first. Mhmm. Mhmm. Yep.\n\nYeah. There was Vanguard, there was Hestan, and there was Virgin. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. No. I think the growth is fine. Yeah.\n\nI would like to keep it same. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. Mhmm. I was checking also the insurances, but those ones I haven't checked it yet. I would say that at the moment, I would keep the if possible, the same insurance while, like, I see if there is any other option. Because this one got the three the three piece.\n\nSo, yeah, I haven't I haven't got the time to check the other ones. Mhmm. No. Since December. I'm having a time off, but, yeah, I may I may return maybe middle of the year or so.\n\nYeah. Yes. No. Not at the moment. No.\n\nMhmm. Mhmm. Mhmm. Mhmm. Okay.\n\nSo you you are you cannot give me that information in this call. We have to wait a little bit. Mhmm. Okay. Mhmm.\n\nOkay. And can you also include the Vanga? An an sorry. Virgin? Virgin.\n\nYeah. Yes. Oh, awesome. Yeah. That would help.\n\nAwesome. No. I think that if because if we have not data, it's difficult to take decisions. Okay. Okay.\n\nOkay. That's great. Thank you. Oh, awesome. That's good.\n\nSounds good. Awesome. Thank you very much. K. You have a good day.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Sandra speaking.","start":2.6399999,"end":8.96,"sentiment":"neutral","sentiment_score":0.04174544010311365},{"text":"Hi.","start":8.96,"end":9.36,"sentiment":"neutral","sentiment_score":0.14365273714065552},{"text":"How are you?","start":9.36,"end":10.26,"sentiment":"neutral","sentiment_score":0.15082027514775595},{"text":"Yes.","start":21.945,"end":22.445,"sentiment":"neutral","sentiment_score":0.03544826805591583},{"text":"Yes.","start":27.945,"end":28.14,"sentiment":"neutral","sentiment_score":0.058841023594141006}],"sentiment":"neutral","sentiment_score":0.09673671680502594,"num_words":8,"start":2.6399999,"end":28.14},{"sentences":[{"text":"Sandra Cordova.","start":39.02,"end":40.079998,"sentiment":"neutral","sentiment_score":0.010978671722114086},{"text":"10/14/1983.","start":40.86,"end":43.395,"sentiment":"neutral","sentiment_score":0.011147808283567429},{"text":"And the address is 42 Lake Street, Upper Mangrabat.","start":44.015,"end":48.195,"sentiment":"neutral","sentiment_score":0.02571651256746716},{"text":"Yeah.","start":55.96,"end":56.46,"sentiment":"neutral","sentiment_score":0.03563149645924568},{"text":"Let me go Well, because actually, because, she when she send me she was talking about the performance of the supa.","start":58.35,"end":87.94,"sentiment":"neutral","sentiment_score":-0.0840063574058669}],"sentiment":"neutral","sentiment_score":-0.04305730130085174,"num_words":34,"start":39.02,"end":87.94},{"sentences":[{"text":"I told her that I really didn't have a much point of comparison because I haven't done my homework checking.","start":88.64,"end":97.895004,"sentiment":"neutral","sentiment_score":-0.2881722331047058},{"text":"And, yeah, she she says that she can, dip into the performance with you.","start":99.635,"end":106.775,"sentiment":"neutral","sentiment_score":-0.13470702086176192},{"text":"However, I've been I've been doing the homework, and I've been researching all the funds and fees.","start":107.475,"end":115.54,"sentiment":"neutral","sentiment_score":-0.2840551900513032},{"text":"And I realized that this one is being really, really expensive in fees.","start":116.08,"end":124.020004,"sentiment":"negative","sentiment_score":-0.4784085498406337},{"text":"So, yeah, I just wanted to check with you guys because I'm not I think I'm not willing to go ahead with the fund because compared with with other funds, I've been really paying too much in in in your admin fees.","start":126.0,"end":144.70999,"sentiment":"negative","sentiment_score":-0.3724711583483787}],"sentiment":"neutral","sentiment_score":-0.32397529229802907,"num_words":106,"start":88.64,"end":144.70999},{"sentences":[{"text":"So I don't know what I have to do to to Mhmm.","start":145.01,"end":167.4,"sentiment":"neutral","sentiment_score":-0.26093710648516816},{"text":"Yeah.","start":241.205,"end":241.60501,"sentiment":"neutral","sentiment_score":-0.05375644937157631},{"text":"Because, actually, I checked the performance and it was the the the return, it was 6.9.","start":241.60501,"end":250.87999,"sentiment":"neutral","sentiment_score":-0.03268108353950083},{"text":"I've been looking I've been checking other phones and they got pretty much the same return.","start":251.26,"end":257.19998,"sentiment":"neutral","sentiment_score":-0.04892214387655258},{"text":"And it's the it it still, it's like I'm paying more than my than $1,500 more with you guys.","start":257.915,"end":269.215,"sentiment":"neutral","sentiment_score":-0.2605386352852771}],"sentiment":"neutral","sentiment_score":-0.1475138661917299,"num_words":64,"start":145.01,"end":269.215},{"sentences":[{"text":"And I was, I mean, all this time, I've been, like, very, very busy that I didn't pay much attention to that until now that I got the time.","start":269.67502,"end":280.91998,"sentiment":"neutral","sentiment_score":-0.25180174204809913},{"text":"And I went and I I research and I was looking and I said no.","start":280.91998,"end":285.975,"sentiment":"neutral","sentiment_score":-0.15607481300830842},{"text":"It's it's seriously too much money that I've been paying and still the return is pretty much the same.","start":285.975,"end":295.5,"sentiment":"negative","sentiment_score":-0.6972536413293136},{"text":"And even if it was high, I've been paying too much in army.","start":296.78,"end":302.38,"sentiment":"neutral","sentiment_score":-0.19495948690634507},{"text":"So the the I I you know, the the return that I'm getting in in in in earning is going to fees.","start":302.38,"end":312.295,"sentiment":"neutral","sentiment_score":-0.07999495484612205}],"sentiment":"neutral","sentiment_score":-0.27740361465483293,"num_words":98,"start":269.67502,"end":312.295},{"sentences":[{"text":"So I'm not doing anything then.","start":312.67502,"end":315.575,"sentiment":"neutral","sentiment_score":-0.30906591316064197},{"text":"Mhmm.","start":375.555,"end":375.93,"sentiment":"neutral","sentiment_score":-0.05330420285463333},{"text":"Yeah.","start":376.57,"end":376.88998,"sentiment":"neutral","sentiment_score":-0.023647205904126167},{"text":"But it's it's I think it's I'm I'm not I don't know how the things work.","start":376.88998,"end":386.25,"sentiment":"neutral","sentiment_score":-0.1342688938602805},{"text":"I need to do my portfolio.","start":386.25,"end":388.59,"sentiment":"neutral","sentiment_score":-0.05529421133299669}],"sentiment":"neutral","sentiment_score":-0.147047148582836,"num_words":30,"start":312.67502,"end":388.59},{"sentences":[{"text":"So I was trusting you guys do it for me.","start":388.88998,"end":392.325,"sentiment":"neutral","sentiment_score":0.17129236608743667},{"text":"So I thought that was the the the well, the the fee I'm paying, you know, because I have no idea about the the the how to share those things and make it better because I'm not exploring in the in the subject.","start":392.325,"end":410.55002,"sentiment":"neutral","sentiment_score":-0.038505901127707125},{"text":"So yeah.","start":410.55002,"end":412.09,"sentiment":"neutral","sentiment_score":0.015070830471813679},{"text":"And and I know that that is the thing you guys are that's the cost.","start":412.47,"end":423.035,"sentiment":"neutral","sentiment_score":-0.029175302137931187},{"text":"You know?","start":423.035,"end":423.775,"sentiment":"neutral","sentiment_score":-0.029053833335638046}],"sentiment":"neutral","sentiment_score":-0.005672578130745226,"num_words":72,"start":388.88998,"end":423.775},{"sentences":[{"text":"But at the end of the day, the other funds could be I I don't know.","start":425.035,"end":430.975,"sentiment":"neutral","sentiment_score":-0.07595052756369114},{"text":"When if I would see and at the end of the day, everything is going to be pretty much the same because the market is paying for everyone.","start":432.19,"end":441.89,"sentiment":"neutral","sentiment_score":-0.025421956421009133},{"text":"You know?","start":442.03,"end":442.77002,"sentiment":"neutral","sentiment_score":-0.059288689866662025},{"text":"The shares are gonna go up and down for everyone.","start":442.91,"end":446.52502,"sentiment":"neutral","sentiment_score":-0.12100440189242363},{"text":"So so it's gonna be very volatile.","start":447.46503,"end":451.48502,"sentiment":"neutral","sentiment_score":-0.3242774669613157}],"sentiment":"neutral","sentiment_score":-0.08770772838403308,"num_words":63,"start":425.035,"end":451.48502},{"sentences":[{"text":"I cannot expect to have a very, very high return because if I'm not wise.","start":451.545,"end":458.045,"sentiment":"negative","sentiment_score":-0.6208516339461009},{"text":"And I'm not gonna be wise because I'm in a position that I cannot risk risk too much.","start":458.26,"end":465.0,"sentiment":"neutral","sentiment_score":-0.3125240024593141},{"text":"And, yeah, I think that if I'm going with the with the current portfolio that I got, is well, is is wise because I'm not gonna raise much.","start":466.42,"end":478.165,"sentiment":"neutral","sentiment_score":0.04782725863956979},{"text":"But, of course, the return is not gonna be as high, but I need to check how to how to cut with the cost because, actually, it was too high.","start":478.545,"end":491.47998,"sentiment":"neutral","sentiment_score":-0.1961809813976288},{"text":"It it was seriously, when I checked the other options and I see the cost, I don't know if the return is pretty much the same.","start":492.41998,"end":502.74,"sentiment":"neutral","sentiment_score":-0.1088419735718232}],"sentiment":"neutral","sentiment_score":-0.19072106039613232,"num_words":117,"start":451.545,"end":502.74},{"sentences":[{"text":"So I don't know what is the difference.","start":502.74,"end":505.525,"sentiment":"neutral","sentiment_score":-0.1558186523616314},{"text":"I may have to check and prove another one to maybe go back to you guys and say, yeah, it's better with you, but I need to prove it first.","start":505.585,"end":516.40497,"sentiment":"neutral","sentiment_score":-0.05328040321667989},{"text":"Mhmm.","start":550.21,"end":550.71,"sentiment":"positive","sentiment_score":0.5426027178764343},{"text":"Mhmm.","start":555.65,"end":556.15,"sentiment":"neutral","sentiment_score":0.16848838329315186},{"text":"Yep.","start":557.65,"end":558.015,"sentiment":"neutral","sentiment_score":0.13702534139156342}],"sentiment":"neutral","sentiment_score":-0.04870353348371459,"num_words":41,"start":502.74,"end":558.015},{"sentences":[{"text":"Yeah.","start":578.51,"end":578.83,"sentiment":"neutral","sentiment_score":0.11443549394607544},{"text":"There was Vanguard, there was Hestan, and there was Virgin.","start":578.83,"end":584.865,"sentiment":"neutral","sentiment_score":0.09284345805644989},{"text":"Mhmm.","start":615.675,"end":616.175,"sentiment":"neutral","sentiment_score":0.08009102195501328},{"text":"Mhmm.","start":622.475,"end":622.83,"sentiment":"neutral","sentiment_score":0.014166446402668951},{"text":"Mhmm.","start":625.15,"end":625.65,"sentiment":"neutral","sentiment_score":0.06704580783843994}],"sentiment":"neutral","sentiment_score":0.08601238219333547,"num_words":14,"start":578.51,"end":625.65},{"sentences":[{"text":"Mhmm.","start":650.38,"end":650.88,"sentiment":"neutral","sentiment_score":0.09828466176986694},{"text":"Mhmm.","start":659.365,"end":659.865,"sentiment":"neutral","sentiment_score":0.02689394913613796},{"text":"No.","start":684.2,"end":684.52,"sentiment":"neutral","sentiment_score":-0.018132280558347705},{"text":"I think the growth is fine.","start":684.52,"end":686.22003,"sentiment":"neutral","sentiment_score":0.04174346476793289},{"text":"Yeah.","start":686.68,"end":687.0,"sentiment":"neutral","sentiment_score":0.1691795289516449}],"sentiment":"neutral","sentiment_score":0.05266866479068995,"num_words":10,"start":650.38,"end":687.0},{"sentences":[{"text":"I would like to keep it same.","start":687.0,"end":688.805,"sentiment":"positive","sentiment_score":0.3882288209029606},{"text":"Mhmm.","start":696.785,"end":697.285,"sentiment":"neutral","sentiment_score":0.08592849224805832},{"text":"Mhmm.","start":698.945,"end":699.445,"sentiment":"neutral","sentiment_score":0.11209377646446228},{"text":"Mhmm.","start":725.685,"end":725.94,"sentiment":"neutral","sentiment_score":0.11291351914405824},{"text":"Mhmm.","start":735.06,"end":735.56,"sentiment":"neutral","sentiment_score":0.09985676407814026}],"sentiment":"neutral","sentiment_score":0.2843994816595858,"num_words":11,"start":687.0,"end":735.56},{"sentences":[{"text":"Yes.","start":737.86,"end":738.255,"sentiment":"neutral","sentiment_score":0.20892703533172607},{"text":"Mhmm.","start":763.79004,"end":764.29004,"sentiment":"neutral","sentiment_score":0.21623557806015015},{"text":"I was checking also the insurances, but those ones I haven't checked it yet.","start":780.46,"end":786.4,"sentiment":"neutral","sentiment_score":-0.06096980773976871},{"text":"I would say that at the moment, I would keep the if possible, the same insurance while, like, I see if there is any other option.","start":787.58,"end":796.95496,"sentiment":"neutral","sentiment_score":0.05667745121396505},{"text":"Because this one got the three the three piece.","start":797.415,"end":801.595,"sentiment":"neutral","sentiment_score":0.06153338485293918}],"sentiment":"neutral","sentiment_score":0.031352931377934476,"num_words":51,"start":737.86,"end":801.595},{"sentences":[{"text":"So, yeah, I haven't I haven't got the time to check the other ones.","start":802.295,"end":807.84,"sentiment":"neutral","sentiment_score":-0.11614674223320824},{"text":"Mhmm.","start":842.58997,"end":843.08997,"sentiment":"neutral","sentiment_score":-0.02629736065864563},{"text":"No.","start":863.02,"end":863.42004,"sentiment":"neutral","sentiment_score":-0.2551051676273346},{"text":"Since December.","start":863.42004,"end":864.48004,"sentiment":"neutral","sentiment_score":-0.22264259308576584},{"text":"I'm having a time off, but, yeah, I may I may return maybe middle of the year or so.","start":874.09503,"end":882.21,"sentiment":"neutral","sentiment_score":-0.05821670042841058}],"sentiment":"neutral","sentiment_score":-0.0934826868611413,"num_words":37,"start":802.295,"end":882.21},{"sentences":[{"text":"Yeah.","start":883.97003,"end":884.47003,"sentiment":"neutral","sentiment_score":-0.007435478270053864},{"text":"Yes.","start":889.25,"end":889.75,"sentiment":"neutral","sentiment_score":-0.09114700555801392},{"text":"No.","start":897.095,"end":897.595,"sentiment":"neutral","sentiment_score":-0.3214014172554016},{"text":"Not at the moment.","start":897.815,"end":898.77496,"sentiment":"negative","sentiment_score":-0.3952040448784828},{"text":"No.","start":898.77496,"end":899.27496,"sentiment":"neutral","sentiment_score":-0.29143911600112915}],"sentiment":"neutral","sentiment_score":-0.2865298995748162,"num_words":8,"start":883.97003,"end":899.27496},{"sentences":[{"text":"Mhmm.","start":923.19,"end":923.595,"sentiment":"neutral","sentiment_score":0.15414011478424072},{"text":"Mhmm.","start":934.31494,"end":934.81494,"sentiment":"neutral","sentiment_score":0.08720329403877258},{"text":"Mhmm.","start":947.76996,"end":948.075,"sentiment":"neutral","sentiment_score":0.2321413904428482},{"text":"Mhmm.","start":964.97003,"end":965.47003,"sentiment":"neutral","sentiment_score":0.1906573325395584},{"text":"Okay.","start":974.65497,"end":974.975,"sentiment":"neutral","sentiment_score":-0.037001386284828186}],"sentiment":"neutral","sentiment_score":0.12542814910411834,"num_words":5,"start":923.19,"end":974.975},{"sentences":[{"text":"So you you are you cannot give me that information in this call.","start":974.975,"end":978.33496,"sentiment":"negative","sentiment_score":-0.3553684995724605},{"text":"We have to wait a little bit.","start":978.33496,"end":979.955,"sentiment":"negative","sentiment_score":-0.338940760919026},{"text":"Mhmm.","start":990.04004,"end":990.54004,"sentiment":"neutral","sentiment_score":-0.013024220243096352},{"text":"Okay.","start":995.72003,"end":996.22003,"sentiment":"neutral","sentiment_score":0.11013364791870116},{"text":"Mhmm.","start":1006.375,"end":1006.875,"sentiment":"neutral","sentiment_score":-0.050307441502809525}],"sentiment":"neutral","sentiment_score":-0.3019814710740162,"num_words":23,"start":974.975,"end":1006.875},{"sentences":[{"text":"Okay.","start":1018.55,"end":1019.05,"sentiment":"neutral","sentiment_score":0.03709360957145691},{"text":"And can you also include the Vanga?","start":1019.19,"end":1021.45,"sentiment":"neutral","sentiment_score":0.035389870405197144},{"text":"An an sorry.","start":1027.11,"end":1028.25,"sentiment":"neutral","sentiment_score":-0.047333226849635444},{"text":"Virgin?","start":1028.39,"end":1028.89,"sentiment":"neutral","sentiment_score":-0.01924678310751915},{"text":"Virgin.","start":1030.955,"end":1031.455,"sentiment":"neutral","sentiment_score":0.012225949205458164}],"sentiment":"neutral","sentiment_score":0.010446322150528431,"num_words":13,"start":1018.55,"end":1031.455},{"sentences":[{"text":"Yeah.","start":1031.515,"end":1032.015,"sentiment":"neutral","sentiment_score":0.04713980108499527},{"text":"Yes.","start":1036.315,"end":1036.815,"sentiment":"neutral","sentiment_score":0.09383892267942429},{"text":"Oh, awesome.","start":1042.3949,"end":1043.115,"sentiment":"positive","sentiment_score":0.5373998284339905},{"text":"Yeah.","start":1043.115,"end":1043.515,"sentiment":"positive","sentiment_score":0.35988718271255493},{"text":"That would help.","start":1043.515,"end":1044.27,"sentiment":"positive","sentiment_score":0.36790533860524494}],"sentiment":"positive","sentiment_score":0.3349226973950863,"num_words":8,"start":1031.515,"end":1044.27},{"sentences":[{"text":"Awesome.","start":1045.31,"end":1045.81,"sentiment":"positive","sentiment_score":0.5186806917190552},{"text":"No.","start":1050.03,"end":1050.27,"sentiment":"neutral","sentiment_score":-0.10795999318361282},{"text":"I think that if because if we have not data, it's difficult to take decisions.","start":1050.27,"end":1056.4501,"sentiment":"neutral","sentiment_score":-0.2372074713309606},{"text":"Okay.","start":1096.575,"end":1097.075,"sentiment":"neutral","sentiment_score":0.06907157599925995},{"text":"Okay.","start":1097.455,"end":1097.955,"sentiment":"neutral","sentiment_score":0.13072526454925537}],"sentiment":"neutral","sentiment_score":-0.15513655425686584,"num_words":19,"start":1045.31,"end":1097.955},{"sentences":[{"text":"Okay.","start":1098.095,"end":1098.335,"sentiment":"neutral","sentiment_score":0.2852453589439392},{"text":"That's great.","start":1098.335,"end":1099.075,"sentiment":"positive","sentiment_score":0.5891478657722473},{"text":"Thank you.","start":1100.23,"end":1108.4099,"sentiment":"neutral","sentiment_score":0.24680417776107788},{"text":"Oh, awesome.","start":1108.95,"end":1109.59,"sentiment":"positive","sentiment_score":0.5551310777664185},{"text":"That's good.","start":1109.59,"end":1110.33,"sentiment":"positive","sentiment_score":0.40058304369449615}],"sentiment":"positive","sentiment_score":0.4298419654369354,"num_words":9,"start":1098.095,"end":1110.33},{"sentences":[{"text":"Sounds good.","start":1110.95,"end":1111.7699,"sentiment":"neutral","sentiment_score":0.14638939499855042},{"text":"Awesome.","start":1114.7269,"end":1115.2069,"sentiment":"positive","sentiment_score":0.8175520300865173},{"text":"Thank you very much.","start":1115.2069,"end":1116.3469,"sentiment":"positive","sentiment_score":0.833124577999115},{"text":"K.","start":1117.2069,"end":1117.7069,"sentiment":"neutral","sentiment_score":0.30651065707206726},{"text":"You have a good day.","start":1117.8469,"end":1118.807,"sentiment":"positive","sentiment_score":0.5347920775413513}],"sentiment":"positive","sentiment_score":0.5710230905276078,"num_words":13,"start":1110.95,"end":1118.807},{"sentences":[{"text":"Thanks.","start":1118.807,"end":1119.307,"sentiment":"positive","sentiment_score":0.6006922721862793},{"text":"Bye.","start":1119.367,"end":1119.867,"sentiment":"positive","sentiment_score":0.35234200954437256}],"sentiment":"positive","sentiment_score":0.4765171408653259,"num_words":2,"start":1118.807,"end":1119.867}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Sandra\n\nChannel 0: Good morning, Sandra. This is Veronica from OQ Financial. How are you this morning?\n\nChannel 1: speaking. Hi. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you? Yeah.\n\nPerfect. Now just before I do go any further, I just need to\n\nChannel 1: Yes.\n\nChannel 0: let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Sandra Cordova. 10/14/1983.\n\nChannel 0: Yeah.\n\nChannel 1: And the address is 42 Lake Street, Upper Mangrabat.\n\nChannel 0: Yep. Yeah. Perfect. That's exactly what I have here. How's your morning been so far been busy?\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: Let\n\nChannel 0: I will\n\nChannel 1: me\n\nChannel 0: try not to keep you for\n\nChannel 1: go\n\nChannel 0: too long. Essentially, I have you booked in as you had your interview with my colleague, Samantha, a little\n\nChannel 1: Well,\n\nChannel 0: while ago, and you mentioned\n\nChannel 1: because\n\nChannel 0: that you wanted to talk a bit more in regards to your insurances. Is that\n\nChannel 1: actually, because, she when she send me she was talking about the performance of the supa.\n\nChannel 0: right?\n\nChannel 1: I\n\nChannel 0: Mhmm.\n\nChannel 1: told her that I really didn't have a much point of comparison because I haven't done my homework checking.\n\nChannel 0: Mhmm.\n\nChannel 1: And, yeah, she she says that she can, dip into the performance with you. However, I've been I've been doing the homework, and I've been researching all the funds and fees. And I realized that this one is being really, really expensive in fees.\n\nChannel 0: Mhmm.\n\nChannel 1: So, yeah, I just wanted to check with you guys because I'm not I think I'm not willing to go ahead with the fund because compared with with other funds, I've been really paying too much in in in your admin fees. So I don't know what I have to do\n\nChannel 0: Okay.\n\nChannel 1: to to\n\nChannel 0: No. Yeah. There's a couple of options for you. Ultimately, it is completely up to you. I guess the biggest thing is that, typically, you'd obviously have the fees factored in.\n\nSo like you said, you have your super in hub twenty four at the moment where you do have your ClearView insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you are then obviously paying for administration investment fees in hub twenty four, and then you do have our adviser fee as well that comes out of hub twenty four. Now, obviously, the the fund itself tends to be a little bit more expensive when you factor everything in in compared to your standard industry fund like, you know, Australian super and retirement trust and stuff like that. Typically, when we are then looking at the the performance of this fund, what you can do so the good thing with hub twenty four is how you can construct your portfolio. So there's, like, hundreds of different investment options to choose from, which is how we can obviously construct the portfolio together, which obviously would have been factored in when you when you came on board, and that's ultimately what does typically tend to outperform the performance of, let's say, your your Australian super or something like that. So when we typically factor in, obviously, the net of, obviously, the fees and the return, it's something we have to factor in to make sure you're in a better position.\n\nBut, ultimately, it's up to you. If you feel like it's too expensive and you are not happy, it's up to you at the end of the day.\n\nChannel 1: Yeah. Because, actually, I checked the performance and it was the the the return, it was 6.9. I've been looking I've been checking other phones and they got pretty much the same return. And\n\nChannel 0: Mhmm.\n\nChannel 1: it's the it it still, it's like I'm paying more than my than $1,500 more with you guys. And I was, I mean, all this time, I've been, like, very, very busy that I didn't pay much attention to that until\n\nChannel 0: Yep.\n\nChannel 1: now that I got the time. And I went and I I research and I was looking and I said no. It's it's seriously too much money that I've been paying and still the return is pretty much the same.\n\nChannel 0: Mhmm.\n\nChannel 1: And\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: even if it was high, I've\n\nChannel 0: Yep. Mhmm.\n\nChannel 1: been paying too much in army. So the the I I you know, the the return that I'm getting in in in in earning is\n\nChannel 0: Yep.\n\nChannel 1: going to fees. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm not doing anything then.\n\nChannel 0: Yeah. I understand. And there are, I guess, two ways. If you would like me to because I don't think we've spoken before, Sandra, I'd be more than happy because part of the unreview time, it is always good to review the portfolio, because things and markets are always constantly changing. So it is important to review your investments to make sure that, you know, what we recommended for you when you came onboard in 2023, that's not potentially always going to be the best option because things are always constantly changing.\n\nSo it's up to you if you would like me to do some data on your current portfolio to see if I can make some changes to improve things for you and put you in a better position. If you are happy for me to do so, I am more than happy to do that to see if we can, you know, improve things for you. But if you very much feel like, you know what, I'm I'm not happy with the fees. I'm not happy with the way things are. I would like to do go elsewhere.\n\nUltimately, it is up\n\nChannel 1: Mhmm. Yeah. But it's it's I think it's\n\nChannel 0: to\n\nChannel 1: I'm\n\nChannel 0: you.\n\nChannel 1: I'm not I don't know how the things work. I need to\n\nChannel 0: Mhmm.\n\nChannel 1: do my portfolio. So I was trusting you guys do it for me. So I thought\n\nChannel 0: Yep. Yes.\n\nChannel 1: that was the the the well, the the fee I'm paying, you\n\nChannel 0: Yes.\n\nChannel 1: know, because I have no idea about\n\nChannel 0: Yes.\n\nChannel 1: the\n\nChannel 0: Correct.\n\nChannel 1: the the how to share those\n\nChannel 0: Yeah.\n\nChannel 1: things\n\nChannel 0: Yeah.\n\nChannel 1: and make it better because I'm not exploring in the\n\nChannel 0: Yes.\n\nChannel 1: in the\n\nChannel 0: And\n\nChannel 1: subject.\n\nChannel 0: that's why you\n\nChannel 1: So\n\nChannel 0: have that? Yes.\n\nChannel 1: yeah. And and I know that that is the thing you guys are that's the cost. You know?\n\nChannel 0: Yes. Yeah.\n\nChannel 1: But at the end of the day, the other funds could be I I don't know. When if I would see and at the end of the day, everything is going to be pretty much the same because the market is paying for everyone. You know? The shares are gonna go up and down for everyone. So\n\nChannel 0: Yes.\n\nChannel 1: so it's gonna be very volatile. I cannot expect to have a very, very high return because if I'm not wise. And I'm not\n\nChannel 0: Yes.\n\nChannel 1: gonna be wise because I'm in a position that I cannot risk risk\n\nChannel 0: Yes.\n\nChannel 1: too much.\n\nChannel 0: Yes.\n\nChannel 1: And, yeah, I think that if I'm going with the with the current portfolio that I got, is well, is is wise because I'm not gonna raise much. But, of course, the return is not gonna be as high, but I need to check how to how to cut with the cost because, actually, it was too high.\n\nChannel 0: Okay.\n\nChannel 1: It it was seriously, when I checked the other options and I see the cost,\n\nChannel 0: Yep.\n\nChannel 1: I don't know if the return is pretty much the same. So I don't know\n\nChannel 0: Okay.\n\nChannel 1: what is the difference. I may\n\nChannel 0: Yeah.\n\nChannel 1: have to check and prove\n\nChannel 0: Yeah.\n\nChannel 1: another one to\n\nChannel 0: Yep.\n\nChannel 1: maybe go back to you guys and say, yeah, it's better with you,\n\nChannel 0: Do\n\nChannel 1: but\n\nChannel 0: do\n\nChannel 1: I need\n\nChannel 0: you know\n\nChannel 1: to prove it first.\n\nChannel 0: yeah. What I can do for you, Sandra, because, obviously, we do all that research. I'm happy to do that for you and put it together in a document that you can see it. Then after that, you can obviously do your own research. But I'd be more than happy to review your current super, how things are going, potentially make recommendations if we need to change it.\n\nBut then in addition, I'm happy to do a direct comparison through someone else that you've been looking at to show you the price difference and the returns difference and projecting that forward for a couple of years so that you can see it. I'm\n\nChannel 1: Mhmm.\n\nChannel 0: happy to do that for you if you want me to to try to assist with the research.\n\nChannel 1: Mhmm.\n\nChannel 0: Would you\n\nChannel 1: Yep.\n\nChannel 0: be open for me to do that? Yep. Now which are some other options you've looked at? Because then I can use that. Which one was the one that you were kind of leaning towards as another option, like another super fund?\n\nDo you have one that you were kind of researching that you want me to include as a comparison?\n\nChannel 1: Yeah. There was Vanguard, there was Hestan,\n\nChannel 0: Yep.\n\nChannel 1: and there was Virgin.\n\nChannel 0: Okay. So Vanguard and Hester, I can do those for you. Now the the other thing to factor in is your risk profile. So it's also how your money is invested. So if you are comparing, let's say, a balanced option, so more defensive versus, let's say, an aggressive portfolio, the aggressive in the long term tend to have better returns.\n\nThere's more fluctuations. So I wanna\n\nChannel 1: Mhmm.\n\nChannel 0: make sure I do, like, a a a like for like comparison, like comparing apples to apples when we are looking at your risk\n\nChannel 1: Mhmm.\n\nChannel 0: tolerance and how much fluctuations. So\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, we have you in, like, a growth portfolio. So it's kind of in the middle where you are focusing on growing your superannuation. So we have about 80% in your growth investment. So that's kind of what's gonna give you the returns in the long term. So you'll have your Australian shares and your international shares and property, for example.\n\nSo it's about 80% there. And then about\n\nChannel 1: Mhmm.\n\nChannel 0: 20% in more defensive. So that will be your your cash, your gold, your fixed interest, for example.\n\nChannel 1: Mhmm.\n\nChannel 0: To try to limit fluctuations a little bit, do you feel like you were quite happy with, like, a a growth portfolio, or what are your kind of what have you been looking at? Or would you wanna take on, you know, more risk and fluctuations given, you know, you do have a bit of time to retirement or are seeing fluctuations, does that make you, like, a little bit worried as well?\n\nChannel 1: No. I think the growth is fine. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I would\n\nChannel 0: Perfect.\n\nChannel 1: like to keep it same.\n\nChannel 0: Growth. Okay. Perfect. So what I'll do then you is that I would look at a similar option in Vanguard and HESTA for you. So looking at\n\nChannel 1: Mhmm.\n\nChannel 0: kind of the same split and then\n\nChannel 1: Mhmm.\n\nChannel 0: comparing the fees. So, obviously, assuming if you go to HESTA and Vanguard, you wouldn't have a device of fees. So I'll factor in all of that for you versus if you stay in Hub fee in Hub 24 and have our adviser fees, what that would change. So I'm more than happy to do that research for you, and then I'll obviously make my recommendation. You can get all the research and see what you would like to do.\n\nAnd after\n\nChannel 1: Mhmm.\n\nChannel 0: that, if you tell me, you know what? I still wanna go somewhere else, then we can help you with the process of if you do decide that that's what you would like to do.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. You're happy for me to do that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Alright. Perfect. So I guess when it comes to, obviously, researching your servers as well, so fee is is a big thing for you. So try to minimize the fees as much as as much as we can.\n\nYep. Okay. So I'll have a look at some of those investments if I can try to reduce the fees a little bit there for you as well. Now at the moment, you obviously have\n\nChannel 1: Mhmm.\n\nChannel 0: your Clearview insurances as well paid from within Hub twenty four. Are you still quite happy with your insurances and and stuff like that? It's super that's a factor for you right now.\n\nChannel 1: I was checking also the insurances, but those ones I haven't checked it yet.\n\nChannel 0: Yep.\n\nChannel 1: I would say that at the moment, I would keep the if possible, the same insurance while,\n\nChannel 0: Yep.\n\nChannel 1: like, I see if there is any other option. Because this one got the three the three piece.\n\nChannel 0: Yep. Yes.\n\nChannel 1: So,\n\nChannel 0: There is. Yeah.\n\nChannel 1: yeah, I haven't I haven't got the time to check the other ones.\n\nChannel 0: Yeah. And the cover that you have with Klaviyo, it is quite affordable for what you are getting, and it is a medically underwritten cover already. So it's already tailored to you, and anything that would happen from when you took out the cover, you are covered for. So if you decide that you would like to go elsewhere, you can still keep your current insurances because it's a separate a separate company, and you can just change where it's being paid from if you decide at the end of the day that that's what you would like to do. But for the time being, I'll just leave your insurances then\n\nChannel 1: Mhmm.\n\nChannel 0: and just focus on your. Now part of the research is factoring in, obviously, you like you said, your fees and returns and everything like that. And can I just confirm as well that Sam mentioned that you are currently not working, so you're not getting any contributions to super? Is that\n\nChannel 1: No. Since December.\n\nChannel 0: correct? Okay. And are you planning on going back to work eventually, or what's are you just having some time off at the moment?\n\nChannel 1: I'm having a time off, but, yeah, I may I may return maybe middle of the year or so.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, obviously, if you're not working, you are not getting contributions into superannuation.\n\nChannel 1: Yes.\n\nChannel 0: Are you wanting to make your own contributions or not really right now?\n\nChannel 1: No. Not\n\nChannel 0: Nope.\n\nChannel 1: at the moment. No.\n\nChannel 0: Nope. That's okay. Let me see here if there's anything else that I need to confirm with you. No. That is everything.\n\nSo what I'll do is I will go and do this research for you, Sandra. I'll look into your hub 24, and I'll compare your Vanguard and your as an alternative for you as well just so you can see.\n\nChannel 1: Mhmm.\n\nChannel 0: And then once we have that, I will actually send you the documents for that appointment so that you can see the figures in front of you at the same time to make it easy. You still obviously\n\nChannel 1: Mhmm.\n\nChannel 0: have time to go and do that research yourself afterwards. But, hopefully, because I'll give you all the research material as well that we've used. Sorry. Hopefully, that will make things a little bit easier for you, and then you can obviously decide what you would like to do.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Now it will take maybe a week or two to get all of this research sorted. But as soon as I do have it all together, the team will give you a quick call to book you in for another follow-up with me, and that's when\n\nChannel 1: Mhmm.\n\nChannel 0: we'll go through all the research together. And, yeah, if you do decide that you wanna go elsewhere after that, then we can obviously assist you with that\n\nChannel 1: Okay. So you you are you cannot give me that information in this call. We have to wait a little bit.\n\nChannel 0: process as well. Yeah. I have to do all that research for you, which does takes takes quite a while to obviously collect everything and, you know, do all the math and everything for you\n\nChannel 1: Mhmm.\n\nChannel 0: to to make sure that I have all the information for you, and that's all correct. So, yeah, it's\n\nChannel 1: Okay.\n\nChannel 0: it's it takes a little bit for me to do that reset, but I will do it as soon as I can for you. And as soon as I have it ready, I'll give you a call and we can go through it.\n\nChannel 1: Mhmm.\n\nChannel 0: But, you know, if you do have any other questions in the meantime, you know, just give me a call, and, yeah, I'd be more than happy to to talk further. But, otherwise, I'll try to get this done as soon as I can for you.\n\nChannel 1: Okay. And can you also include the Vanga?\n\nChannel 0: Yes. Yep. I can do Vanguard and Hester. Is those two you were kind of\n\nChannel 1: An an sorry. Virgin?\n\nChannel 0: Virgin?\n\nChannel 1: Virgin. Yeah.\n\nChannel 0: Yep. Okay. Yeah. I can do that. So Vanguard, Hesta, and Virgin.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. No problem. And I'll look to that growth comparison for you as well.\n\nChannel 1: Oh, awesome. Yeah. That\n\nChannel 0: Yep.\n\nChannel 1: would help.\n\nChannel 0: Okay. No problem.\n\nChannel 1: Awesome.\n\nChannel 0: Is there anything else that I can help you with at least for now, Sandra?\n\nChannel 1: No. I think that\n\nChannel 0: No?\n\nChannel 1: if because if we have not data, it's difficult to take decisions.\n\nChannel 0: Yeah. And I understand, obviously, the fees and returns, you need to make sure that you, you know, make it worth. And and part of, obviously, my job is, like, I'm quite bound by a lot of legislation and the best interest you do for you. And that is that, you know, when I do make my recommendations, they have to put you in a better position. Otherwise, I can't make the recommendation.\n\nAnd if I do all the research and it shows you that, you know, Vanguard is going to be a better option for you with what your goals are and what you wanna achieve, then that will be option for you with what your goals are and what you wanna achieve, then that will be my recommendation. Like, I'm not tied to anything. So it's it's I'm just basically, you know, making sure that everything I do is for\n\nChannel 1: Okay. Okay.\n\nChannel 0: you.\n\nChannel 1: Okay. That's great.\n\nChannel 0: Yeah. Yeah. No\n\nChannel 1: Thank\n\nChannel 0: problem. Like I said, I'll give you a call as soon as I have this ready for you. But, yeah, it might be, like, a week or two, but I'll try my\n\nChannel 1: you. Oh,\n\nChannel 0: best\n\nChannel 1: awesome.\n\nChannel 0: to do\n\nChannel 1: That's\n\nChannel 0: it as\n\nChannel 1: good.\n\nChannel 0: soon as I can. No\n\nChannel 1: Sounds\n\nChannel 0: problem at\n\nChannel 1: good.\n\nChannel 0: all, Sandra. I will let you go, and we'll speak very soon.\n\nChannel 1: Awesome. Thank you very much.\n\nChannel 0: Thank you, Sandra.\n\nChannel 1: K. You have a\n\nChannel 0: Bye.\n\nChannel 1: good day. Thanks.\n\nChannel 0: You\n\nChannel 1: Bye.\n\nChannel 0: too. Bye.","paragraphs":[{"sentences":[{"text":"Sandra","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.02756636030972004}],"sentiment":"neutral","sentiment_score":0.02756636030972004,"channel":1,"num_words":1,"start":2.6399999,"end":3.1399999},{"sentences":[{"text":"Good morning, Sandra.","start":4.16,"end":5.12,"sentiment":"neutral","sentiment_score":0.23861237863699594},{"text":"This is Veronica from OQ Financial.","start":5.12,"end":7.14,"sentiment":"neutral","sentiment_score":0.2155261660615603},{"text":"How are you this morning?","start":7.2799997,"end":8.34,"sentiment":"neutral","sentiment_score":0.186163792014122}],"sentiment":"neutral","sentiment_score":0.20998664945363998,"channel":0,"num_words":14,"start":4.16,"end":8.34},{"sentences":[{"text":"speaking.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.05592451989650726},{"text":"Hi.","start":8.96,"end":9.36,"sentiment":"neutral","sentiment_score":0.14365273714065552},{"text":"How are you?","start":9.36,"end":10.26,"sentiment":"neutral","sentiment_score":0.15082027514775595}],"sentiment":"neutral","sentiment_score":0.13040761649608612,"channel":1,"num_words":5,"start":8.639999,"end":10.26},{"sentences":[{"text":"I'm good.","start":10.639999,"end":11.36,"sentiment":"positive","sentiment_score":0.5236515700817108},{"text":"Thanks.","start":11.36,"end":11.86,"sentiment":"positive","sentiment_score":0.5968472957611084},{"text":"I had you booked in for a bit of a catch up.","start":12.48,"end":14.945,"sentiment":"neutral","sentiment_score":0.30662667751312256},{"text":"Is now still a good time for you?","start":14.945,"end":16.725,"sentiment":"neutral","sentiment_score":0.2973315343260765},{"text":"Yeah.","start":18.305,"end":18.545,"sentiment":"neutral","sentiment_score":0.14993484318256378}],"sentiment":"neutral","sentiment_score":0.3271774034947157,"channel":0,"num_words":24,"start":10.639999,"end":18.545},{"sentences":[{"text":"Perfect.","start":18.545,"end":19.045,"sentiment":"neutral","sentiment_score":0.2865179777145386},{"text":"Now just before I do go any further, I just need to","start":19.425,"end":21.985,"sentiment":"neutral","sentiment_score":0.026651316167165835}],"sentiment":"neutral","sentiment_score":0.04664105936311758,"channel":0,"num_words":13,"start":18.545,"end":21.985},{"sentences":[{"text":"Yes.","start":21.945,"end":22.445,"sentiment":"neutral","sentiment_score":0.03544826805591583}],"sentiment":"neutral","sentiment_score":0.03544826805591583,"channel":1,"num_words":1,"start":21.945,"end":22.445},{"sentences":[{"text":"let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.985,"end":26.965,"sentiment":"neutral","sentiment_score":0.034305337926044184}],"sentiment":"neutral","sentiment_score":0.034305337926044184,"channel":0,"num_words":17,"start":21.985,"end":26.965},{"sentences":[{"text":"Yes.","start":27.945,"end":28.14,"sentiment":"neutral","sentiment_score":0.058841023594141006}],"sentiment":"neutral","sentiment_score":0.058841023594141006,"channel":1,"num_words":1,"start":27.945,"end":28.14},{"sentences":[{"text":"Yep.","start":28.625,"end":29.025,"sentiment":"neutral","sentiment_score":0.08649279177188873},{"text":"Perfect.","start":29.025,"end":29.52,"sentiment":"neutral","sentiment_score":0.19300749897956848},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":29.76,"end":37.7,"sentiment":"neutral","sentiment_score":0.0830757131093535}],"sentiment":"neutral","sentiment_score":0.08673212809428092,"channel":0,"num_words":31,"start":28.625,"end":37.7},{"sentences":[{"text":"Sandra Cordova.","start":39.02,"end":40.079998,"sentiment":"neutral","sentiment_score":0.010978671722114086},{"text":"10/14/1983.","start":40.86,"end":43.395,"sentiment":"neutral","sentiment_score":0.011147808283567429}],"sentiment":"neutral","sentiment_score":0.011035050575931868,"channel":1,"num_words":3,"start":39.02,"end":43.395},{"sentences":[{"text":"Yeah.","start":43.92,"end":44.115,"sentiment":"neutral","sentiment_score":0.02035294473171234}],"sentiment":"neutral","sentiment_score":0.02035294473171234,"channel":0,"num_words":1,"start":43.92,"end":44.115},{"sentences":[{"text":"And the address is 42 Lake Street, Upper Mangrabat.","start":44.015,"end":48.195,"sentiment":"neutral","sentiment_score":0.02571651256746716}],"sentiment":"neutral","sentiment_score":0.02571651256746716,"channel":1,"num_words":9,"start":44.015,"end":48.195},{"sentences":[{"text":"Yep.","start":47.795002,"end":48.295002,"sentiment":"neutral","sentiment_score":0.0626968964934349},{"text":"Yeah.","start":48.835003,"end":49.235,"sentiment":"neutral","sentiment_score":0.1328958421945572},{"text":"Perfect.","start":49.235,"end":49.715,"sentiment":"positive","sentiment_score":0.40606051683425903},{"text":"That's exactly what I have here.","start":49.715,"end":51.655003,"sentiment":"positive","sentiment_score":0.414354532957077},{"text":"How's your morning been so far been busy?","start":51.955,"end":54.215,"sentiment":"neutral","sentiment_score":0.11441456619650126}],"sentiment":"neutral","sentiment_score":0.23547629310804255,"channel":0,"num_words":17,"start":47.795002,"end":54.215},{"sentences":[{"text":"Yeah.","start":55.96,"end":56.46,"sentiment":"neutral","sentiment_score":0.03563149645924568}],"sentiment":"neutral","sentiment_score":0.03563149645924568,"channel":1,"num_words":1,"start":55.96,"end":56.46},{"sentences":[{"text":"Well,","start":58.115,"end":58.435,"sentiment":"neutral","sentiment_score":0.0071045514196157455}],"sentiment":"neutral","sentiment_score":0.0071045514196157455,"channel":0,"num_words":1,"start":58.115,"end":58.435},{"sentences":[{"text":"Let","start":58.35,"end":58.6,"sentiment":"neutral","sentiment_score":-0.024941835552453995}],"sentiment":"neutral","sentiment_score":-0.024941835552453995,"channel":1,"num_words":1,"start":58.35,"end":58.6},{"sentences":[{"text":"I will","start":58.435,"end":58.755,"sentiment":"neutral","sentiment_score":-0.05048638954758644}],"sentiment":"neutral","sentiment_score":-0.05048638954758644,"channel":0,"num_words":2,"start":58.435,"end":58.755},{"sentences":[{"text":"me","start":58.6,"end":59.1,"sentiment":"neutral","sentiment_score":-0.04590949788689613}],"sentiment":"neutral","sentiment_score":-0.04590949788689613,"channel":1,"num_words":1,"start":58.6,"end":59.1},{"sentences":[{"text":"try not to keep you for","start":58.755,"end":60.059998,"sentiment":"neutral","sentiment_score":-0.06176003565390905}],"sentiment":"neutral","sentiment_score":-0.06176003565390905,"channel":0,"num_words":6,"start":58.755,"end":60.059998},{"sentences":[{"text":"go","start":59.96,"end":60.46,"sentiment":"neutral","sentiment_score":-0.06973331421613693}],"sentiment":"neutral","sentiment_score":-0.06973331421613693,"channel":1,"num_words":1,"start":59.96,"end":60.46},{"sentences":[{"text":"too long.","start":60.059998,"end":60.879997,"sentiment":"neutral","sentiment_score":-0.07950534671545029},{"text":"Essentially, I have you booked in as you had your interview with my colleague, Samantha, a little","start":61.579998,"end":68.06,"sentiment":"neutral","sentiment_score":-0.003518439391080071}],"sentiment":"neutral","sentiment_score":-0.011517061214697989,"channel":0,"num_words":19,"start":60.059998,"end":68.06},{"sentences":[{"text":"Well,","start":67.815,"end":68.315,"sentiment":"neutral","sentiment_score":-0.1099444031715393}],"sentiment":"neutral","sentiment_score":-0.1099444031715393,"channel":1,"num_words":1,"start":67.815,"end":68.315},{"sentences":[{"text":"while ago, and you 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you.","start":743.635,"end":749.16,"sentiment":"neutral","sentiment_score":0.29465718228708615},{"text":"So try to minimize the fees as much as as much as we can.","start":749.16,"end":752.45996,"sentiment":"neutral","sentiment_score":0.2683394008449146}],"sentiment":"neutral","sentiment_score":0.28938842125428027,"channel":0,"num_words":39,"start":738.59503,"end":752.45996},{"sentences":[{"text":"Yep.","start":753.88,"end":754.27997,"sentiment":"neutral","sentiment_score":0.187267541885376},{"text":"Okay.","start":754.27997,"end":754.68,"sentiment":"neutral","sentiment_score":0.2248414307832718},{"text":"So I'll have a look at some of those investments if I can try to reduce the fees a little bit there for you as well.","start":754.68,"end":759.765,"sentiment":"neutral","sentiment_score":0.3106803894042969},{"text":"Now at the moment, you obviously have","start":761.765,"end":764.10504,"sentiment":"neutral","sentiment_score":0.22234031558036804}],"sentiment":"neutral","sentiment_score":0.2870337516069412,"channel":0,"num_words":35,"start":753.88,"end":764.10504},{"sentences":[{"text":"Mhmm.","start":763.79004,"end":764.29004,"sentiment":"neutral","sentiment_score":0.21623557806015015}],"sentiment":"neutral","sentiment_score":0.21623557806015015,"channel":1,"num_words":1,"start":763.79004,"end":764.29004},{"sentences":[{"text":"your Clearview insurances as well paid from within Hub twenty four.","start":764.16504,"end":769.22504,"sentiment":"neutral","sentiment_score":0.27427480166608637},{"text":"Are you still quite happy with your insurances and and stuff like that?","start":770.005,"end":774.565,"sentiment":"neutral","sentiment_score":0.2335256659067594},{"text":"It's super that's a factor for you right 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from OQ Financial and OQ Financial discuss the expense and lack of focus on performance of a fund, emphasizing the importance of reviewing the portfolio and cutting costs to improve the situation. They suggest growth portfolios and similar investment options, and a similar investment option to the customer. The agent emphasizes the importance of cutting costs and minimizing fees to potentially make recommendations for future investment decisions. They also discuss the risks and fees of a medical underwritten cover and the need to cut costs to potentially improve the situation. The agent will research and provide follow-up appointments with the customer, including a follow-up with the team."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Sandra Cordova.","start_word":78,"end_word":108,"intents":[{"intent":"Confirm identity","confidence_score":0.75720245}]},{"text":"Is that actually, because, she when she send me she was talking about the performance of the supa. right?","start_word":189,"end_word":207,"intents":[{"intent":"Clarify purpose","confidence_score":0.0008191578},{"intent":"Discuss insurances","confidence_score":0.36866248}]},{"text":"And, yeah, she she says that she can, dip into the performance with you. However, I've been I've been doing the homework, and I've been researching all the funds and fees. And I realized that this one is being really, really expensive in fees. Mhmm.","start_word":230,"end_word":274,"intents":[{"intent":"Check fees","confidence_score":0.052908596}]},{"text":"Typically, when we are then looking at the the performance of this fund, what you can do so the good thing with hub twenty four is how you can construct your portfolio.","start_word":452,"end_word":483,"intents":[{"intent":"Evaluate fund performance","confidence_score":0.19397137}]},{"text":"So it is important to review your investments to make sure that, you know, what we recommended for you when you came onboard in 2023, that's not potentially always going to be the best option because things are always constantly changing. So it's up to you if you would like me to do some data on your current portfolio to see if I can make some changes to improve things for you and put you in a better position.","start_word":816,"end_word":894,"intents":[{"intent":"Evaluate portfolio recommendations","confidence_score":0.05465473}]},{"text":"And and I know that that is the thing you guys are that's the cost. You know?","start_word":1056,"end_word":1072,"intents":[{"intent":"Express uncertainty about fund cost","confidence_score":0.000008573859},{"intent":"Discuss cost differences","confidence_score":0.0001296513}]},{"text":"But at the end of the day, the other funds could be I I don't know. When if I would see and at the end of the day, everything is going to be pretty much the same because the market is paying for everyone. You know? The shares are gonna go up and down for everyone. So Yes.","start_word":1075,"end_word":1132,"intents":[{"intent":"Identify funds","confidence_score":0.0000044338985}]},{"text":"And, yeah, I think that if I'm going with the with the current portfolio that I got, is well, is is wise because I'm not gonna raise much. But, of course, the return is not gonna be as high, but I need to check how to how to cut with the cost because, actually, it was too high. Okay.","start_word":1175,"end_word":1233,"intents":[{"intent":"Propose portfolio change","confidence_score":0.018988704}]},{"text":"what is the difference. I may Yeah.","start_word":1266,"end_word":1272,"intents":[{"intent":"Request clarification","confidence_score":0.0022142278}]},{"text":"What I can do for you, Sandra, because, obviously, we do all that research. I'm happy to do that for you and put it together in a document that you can see it. Then after that, you can obviously do your own research. But I'd be more than happy to review your current super, how things are going, potentially make recommendations if we need to change it.","start_word":1308,"end_word":1374,"intents":[{"intent":"Discuss research","confidence_score":0.01873176}]},{"text":"Now which are some other options you've looked at?","start_word":1451,"end_word":1459,"intents":[{"intent":"Compare options","confidence_score":0.116421595}]},{"text":"Now which are some other options you've looked at? Because then I can use that. Which one was the one that you were kind of leaning towards as another option, like another super fund? Do you have one that you were kind of researching that you want me to include as a comparison?","start_word":1451,"end_word":1503,"intents":[{"intent":"Include options","confidence_score":0.56063104}]},{"text":"Which one was the one that you were kind of leaning towards as another option, like another super fund? Do you have one that you were kind of researching that you want me to include as a comparison? Yeah.","start_word":1466,"end_word":1504,"intents":[{"intent":"Determine investment strategy","confidence_score":0.05874966},{"intent":"Mention investment preferences","confidence_score":0.000047863596}]},{"text":"Now the the other thing to factor in is your risk profile.","start_word":1527,"end_word":1538,"intents":[{"intent":"Determine risk profile","confidence_score":0.07296564}]},{"text":"Now the the other thing to factor in is your risk profile. So it's also how your money is invested. So if you are comparing, let's say, a balanced option, so more defensive versus, let's say, an aggressive portfolio, the aggressive in the long term tend to have better returns. There's more fluctuations.","start_word":1527,"end_word":1579,"intents":[{"intent":"Explain investment strategy","confidence_score":0.008764194},{"intent":"Explain investment strategy","confidence_score":0.023153}]},{"text":"at the moment, we have you in, like, a growth portfolio. So it's kind of in the middle where you are focusing on growing your superannuation. So we have about 80% in your growth investment. So that's kind of what's gonna give you the returns in the long term.","start_word":1616,"end_word":1664,"intents":[{"intent":"Confirm investment timing","confidence_score":0.00002958861}]},{"text":"So what I'll do then you is that I would look at a similar option in Vanguard and HESTA for you. So looking at Mhmm.","start_word":1800,"end_word":1824,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0023505196}]},{"text":"I would say that at the moment, I would keep the if possible, the same insurance while, Yep. like, I see if there is any other option. Because this one got the three the three piece. Yep.","start_word":2084,"end_word":2120,"intents":[{"intent":"Evaluate insurance options","confidence_score":0.028268518}]},{"text":"Let me see here if there's anything else that I need to confirm with you. No.","start_word":2393,"end_word":2408,"intents":[{"intent":"Confirm information","confidence_score":0.1841229}]},{"text":"So what I'll do is I will go and do this research for you, Sandra. I'll look into your hub 24, and I'll compare your Vanguard and your as an alternative for you as well just so you can see. Mhmm.","start_word":2411,"end_word":2451,"intents":[{"intent":"Discuss research","confidence_score":0.1262327}]},{"text":"Now it will take maybe a week or two to get all of this research sorted. But as soon as I do have it all together, the team will give you a quick call to book you in for another follow-up with me, and that's when Mhmm. we'll go through all the research together. And, yeah, if you do decide that you wanna go elsewhere after that, then we can obviously assist you with that Okay.","start_word":2542,"end_word":2617,"intents":[{"intent":"Book follow-up","confidence_score":0.37434363}]},{"text":"So you you are you cannot give me that information in this call. We have to wait a little bit. process as well. Yeah.","start_word":2618,"end_word":2641,"intents":[{"intent":"Provide information","confidence_score":0.015458015}]},{"text":"it's it takes a little bit for me to do that reset, but I will do it as soon as I can for you. And as soon as I have it ready, I'll give you a call and we can go through it. Mhmm.","start_word":2694,"end_word":2737,"intents":[{"intent":"Reset task","confidence_score":0.0016929655}]},{"text":"And can you also include the Vanga? Yes. Yep.","start_word":2785,"end_word":2793,"intents":[{"intent":"Complete product recommendations","confidence_score":0.000008702359}]}]},"sentiments":{"segments":[{"text":"Sandra Good morning, Sandra. This is Veronica from OQ Financial. How are you this morning? speaking. Hi. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.1827509254217148},{"text":"I'm good. Thanks.","start_word":20,"end_word":22,"sentiment":"positive","sentiment_score":0.5402650833129883},{"text":"I had you booked in for a bit of a catch up. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to Yes. let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Sandra Cordova. 10/14/1983. Yeah. And the address is 42 Lake Street, Upper Mangrabat. Yep. Yeah.","start_word":23,"end_word":121,"sentiment":"neutral","sentiment_score":0.10489115118980408},{"text":"Perfect. That's exactly what I have here.","start_word":122,"end_word":128,"sentiment":"positive","sentiment_score":0.4113440215587616},{"text":"How's your morning been so far been busy? Yeah. Well, Let I will me try not to keep you for go too long. Essentially, I have you booked in as you had your interview with my colleague, Samantha, a little Well, while ago, and you mentioned because that you wanted to talk a bit more in regards to your insurances. Is that actually, because, she when she send me she was talking about the performance of the supa. right? I Mhmm. told her that I really didn't have a much point of comparison because I haven't done my homework checking. Mhmm. And, yeah, she she says that she can, dip into the performance with you. However, I've been I've been doing the homework, and I've been researching all the funds and fees.","start_word":129,"end_word":260,"sentiment":"neutral","sentiment_score":-0.12849745154380798},{"text":"And I realized that this one is being really, really expensive in fees.","start_word":261,"end_word":273,"sentiment":"negative","sentiment_score":-0.487248569726944},{"text":"Mhmm.","start_word":274,"end_word":274,"sentiment":"neutral","sentiment_score":-0.15809017419815063},{"text":"So, yeah, I just wanted to check with you guys because I'm not I think I'm not willing to go ahead with the fund because compared with with other funds, I've been really paying too much in in in your admin fees.","start_word":275,"end_word":316,"sentiment":"negative","sentiment_score":-0.3701173961162567},{"text":"So I don't know what I have to do Okay. to to No. Yeah. There's a couple of options for you. Ultimately, it is completely up to you. I guess the biggest thing is that, typically, you'd obviously have the fees factored in. So like you said, you have your super in hub twenty four at the moment where you do have your ClearView insurances. Mhmm. Now you are then obviously paying for administration investment fees in hub twenty four, and then you do have our adviser fee as well that comes out of hub twenty four. Now, obviously, the the fund itself tends to be a little bit more expensive when you factor everything in in compared to your standard industry fund like, you know, Australian super and retirement trust and stuff like that. Typically, when we are then looking at the the performance of this fund, what you can do so the good thing with hub twenty four is how you can construct your portfolio. So there's, like, hundreds of different investment options to choose from, which is how we can obviously construct the portfolio together, which obviously would have been factored in when you when you came on board, and that's ultimately what does typically tend to outperform the performance of, let's say, your your Australian super or something like that. So when we typically factor in, obviously, the net of, obviously, the fees and the return, it's something we have to factor in to make sure you're in a better position. But, ultimately, it's up to you.","start_word":317,"end_word":577,"sentiment":"neutral","sentiment_score":0.06864904124161293},{"text":"If you feel like it's too expensive and you are not happy, it's up to you at the end of the day.","start_word":578,"end_word":599,"sentiment":"negative","sentiment_score":-0.40410250425338745},{"text":"Yeah. Because, actually, I checked the performance and it was the the the return, it was 6.9. I've been looking I've been checking other phones and they got pretty much the same return. And Mhmm. it's the it it still, it's like I'm paying more than my than $1,500 more with you guys. And I was, I mean, all this time, I've been, like, very, very busy that I didn't pay much attention to that until Yep. now that I got the time. And I went and I I research and I was looking and I said no.","start_word":600,"end_word":697,"sentiment":"neutral","sentiment_score":-0.1704896241426468},{"text":"It's it's seriously too much money that I've been paying and still the return is pretty much the same.","start_word":698,"end_word":716,"sentiment":"negative","sentiment_score":-0.6981127858161926},{"text":"Mhmm. And Mhmm. Yep. even if it was high, I've Yep. Mhmm. been paying too much in army. So the the I I you know, the the return that I'm getting in in in in earning is Yep. going to fees. So Yeah.","start_word":717,"end_word":759,"sentiment":"neutral","sentiment_score":-0.10825390368700027},{"text":"I'm not doing anything then.","start_word":760,"end_word":764,"sentiment":"negative","sentiment_score":-0.34382426738739014},{"text":"Yeah. I understand. And there are, I guess, two ways. If you would like me to because I don't think we've spoken before, Sandra, I'd be more than happy because part of the unreview time, it is always good to review the portfolio, because things and markets are always constantly changing. So it is important to review your investments to make sure that, you know, what we recommended for you when you came onboard in 2023, that's not potentially always going to be the best option because things are always constantly changing. So it's up to you if you would like me to do some data on your current portfolio to see if I can make some changes to improve things for you and put you in a better position.","start_word":765,"end_word":894,"sentiment":"neutral","sentiment_score":0.04540110379457474},{"text":"If you are happy for me to do so, I am more than happy to do that to see if we can, you know, improve things for you.","start_word":895,"end_word":922,"sentiment":"positive","sentiment_score":0.3865577280521393},{"text":"But if you very much feel like, you know what, I'm I'm not happy with the fees. I'm not happy with the way things are. I would like to do go elsewhere.","start_word":923,"end_word":954,"sentiment":"negative","sentiment_score":-0.5776662826538086},{"text":"Ultimately, it is up Mhmm. Yeah. But it's it's I think it's to I'm you. I'm not I don't know how the things work. I need to Mhmm. do my portfolio. So I was trusting you guys do it for me. So I thought Yep. Yes. that was the the the well, the the fee I'm paying, you Yes. know, because I have no idea about Yes. the Correct. the the how to share those Yeah. things Yeah. and make it better because I'm not exploring in the Yes. in the And subject. that's why you So have that? Yes. yeah. And and I know that that is the thing you guys are that's the cost. You know? Yes. Yeah. But at the end of the day, the other funds could be I I don't know. When if I would see and at the end of the day, everything is going to be pretty much the same because the market is paying for everyone. You know? The shares are gonna go up and down for everyone. So Yes.","start_word":955,"end_word":1132,"sentiment":"neutral","sentiment_score":-0.04191588991311159},{"text":"so it's gonna be very volatile. I cannot expect to have a very, very high return because if I'm not wise.","start_word":1133,"end_word":1153,"sentiment":"negative","sentiment_score":-0.5423142910003662},{"text":"And I'm not Yes. gonna be wise because I'm in a position that I cannot risk risk Yes. too much. Yes. And, yeah, I think that if I'm going with the with the current portfolio that I got, is well, is is wise because I'm not gonna raise much. But, of course, the return is not gonna be as high, but I need to check how to how to cut with the cost because, actually, it was too high. Okay. It it was seriously, when I checked the other options and I see the cost, Yep. I don't know if the return is pretty much the same. So I don't know Okay. what is the difference. I may Yeah. have to check and prove Yeah. another one to Yep. maybe go back to you guys and say, yeah, it's better with you, Do but do I need you know to prove it first. yeah. What I can do for you, Sandra, because, obviously, we do all that research.","start_word":1154,"end_word":1321,"sentiment":"neutral","sentiment_score":-0.08125489950180054},{"text":"I'm happy to do that for you and put it together in a document that you can see it.","start_word":1322,"end_word":1340,"sentiment":"positive","sentiment_score":0.40351662039756775},{"text":"Then after that, you can obviously do your own research.","start_word":1341,"end_word":1350,"sentiment":"neutral","sentiment_score":0.1719994843006134},{"text":"But I'd be more than happy to review your current super, how things are going, potentially make recommendations if we need to change it. But then in addition, I'm happy to do a direct comparison through someone else that you've been looking at to show you the price difference and the returns difference and projecting that forward for a couple of years so that you can see it. I'm Mhmm. happy to do that for you if you want me to to try to assist with the research.","start_word":1351,"end_word":1438,"sentiment":"positive","sentiment_score":0.5448758954351599},{"text":"Mhmm. Would you Yep. be open for me to do that? Yep. Now which are some other options you've looked at? Because then I can use that. Which one was the one that you were kind of leaning towards as another option, like another super fund? Do you have one that you were kind of researching that you want me to include as a comparison? Yeah. There was Vanguard, there was Hestan, Yep. and there was Virgin. Okay. So Vanguard and Hester, I can do those for you. Now the the other thing to factor in is your risk profile. So it's also how your money is invested. So if you are comparing, let's say, a balanced option, so more defensive versus, let's say, an aggressive portfolio, the aggressive in the long term tend to have better returns. There's more fluctuations. So I wanna Mhmm. make sure I do, like, a a a like for like comparison, like comparing apples to apples when we are looking at your risk Mhmm. tolerance and how much fluctuations. So Mhmm. at the moment, we have you in, like, a growth portfolio. So it's kind of in the middle where you are focusing on growing your superannuation. So we have about 80% in your growth investment. So that's kind of what's gonna give you the returns in the long term. So you'll have your Australian shares and your international shares and property, for example. So it's about 80% there. And then about Mhmm. 20% in more defensive. So that will be your your cash, your gold, your fixed interest, for example. Mhmm. To try to limit fluctuations a little bit, do you feel like you were quite happy with, like, a a growth portfolio, or what are your kind of what have you been looking at? Or would you wanna take on, you know, more risk and fluctuations given, you know, you do have a bit of time to retirement or are seeing fluctuations, does that make you, like, a little bit worried as well? No. I think the growth is fine. Yeah. Okay.","start_word":1439,"end_word":1788,"sentiment":"neutral","sentiment_score":0.11655368628246444},{"text":"I would Perfect. like to keep it same.","start_word":1789,"end_word":1796,"sentiment":"positive","sentiment_score":0.41755351424217224},{"text":"Growth. Okay.","start_word":1797,"end_word":1798,"sentiment":"neutral","sentiment_score":0.22209376096725464},{"text":"Perfect.","start_word":1799,"end_word":1799,"sentiment":"positive","sentiment_score":0.3551212251186371},{"text":"So what I'll do then you is that I would look at a similar option in Vanguard and HESTA for you. So looking at Mhmm. kind of the same split and then Mhmm. comparing the fees. So, obviously, assuming if you go to HESTA and Vanguard, you wouldn't have a device of fees. So I'll factor in all of that for you versus if you stay in Hub fee in Hub 24 and have our adviser fees, what that would change.","start_word":1800,"end_word":1880,"sentiment":"neutral","sentiment_score":0.16114650666713717},{"text":"So I'm more than happy to do that research for you, and then I'll obviously make my recommendation. You can get all the research and see what you would like to do.","start_word":1881,"end_word":1912,"sentiment":"positive","sentiment_score":0.519544243812561},{"text":"And after Mhmm. that, if you tell me, you know what? I still wanna go somewhere else, then we can help you with the process of if you do decide that that's what you would like to do. Mhmm. Yeah.","start_word":1913,"end_word":1952,"sentiment":"neutral","sentiment_score":0.12251947820186616},{"text":"You're happy for me to do that?","start_word":1953,"end_word":1959,"sentiment":"positive","sentiment_score":0.3542152941226959},{"text":"Yes. Yeah.","start_word":1960,"end_word":1961,"sentiment":"neutral","sentiment_score":0.2212158590555191},{"text":"Alright. Perfect.","start_word":1962,"end_word":1963,"sentiment":"positive","sentiment_score":0.3941122889518738},{"text":"So I guess when it comes to, obviously, researching your servers as well, so fee is is a big thing for you. So try to minimize the fees as much as as much as we can. Yep. Okay. So I'll have a look at some of those investments if I can try to reduce the fees a little bit there for you as well. Now at the moment, you obviously have Mhmm. your Clearview insurances as well paid from within Hub twenty four. Are you still quite happy with your insurances and and stuff like that?","start_word":1964,"end_word":2059,"sentiment":"neutral","sentiment_score":0.27375808358192444},{"text":"It's super that's a factor for you right now.","start_word":2060,"end_word":2068,"sentiment":"positive","sentiment_score":0.4503550529479981},{"text":"I was checking also the insurances, but those ones I haven't checked it yet. Yep. I would say that at the moment, I would keep the if possible, the same insurance while, Yep. like, I see if there is any other option. Because this one got the three the three piece. Yep. Yes. So, There is. Yeah. yeah, I haven't I haven't got the time to check the other ones. Yeah.","start_word":2069,"end_word":2139,"sentiment":"neutral","sentiment_score":-0.001363528543151915},{"text":"And the cover that you have with Klaviyo, it is quite affordable for what you are getting, and it is a medically underwritten cover already.","start_word":2140,"end_word":2164,"sentiment":"positive","sentiment_score":0.39871731400489807},{"text":"So it's already tailored to you, and anything that would happen from when you took out the cover, you are covered for. So if you decide that you would like to go elsewhere, you can still keep your current insurances because it's a separate a separate company, and you can just change where it's being paid from if you decide at the end of the day that that's what you would like to do. But for the time being, I'll just leave your insurances then Mhmm. and just focus on your. Now part of the research is factoring in, obviously, you like you said, your fees and returns and everything like that. And can I just confirm as well that Sam mentioned that you are currently not working, so you're not getting any contributions to super? Is that No. Since December. correct? Okay. And are you planning on going back to work eventually, or what's are you just having some time off at the moment? I'm having a time off, but, yeah, I may I may return maybe middle of the year or so. Okay. Perfect. Yeah. So at the moment, obviously, if you're not working, you are not getting contributions into superannuation. Yes. Are you wanting to make your own contributions or not really right now? No.","start_word":2165,"end_word":2382,"sentiment":"neutral","sentiment_score":-0.015617161057889462},{"text":"Not Nope. at the moment.","start_word":2383,"end_word":2387,"sentiment":"negative","sentiment_score":-0.38875865936279297},{"text":"No. Nope. That's okay. Let me see here if there's anything else that I need to confirm with you. No. That is everything. So what I'll do is I will go and do this research for you, Sandra. I'll look into your hub 24, and I'll compare your Vanguard and your as an alternative for you as well just so you can see. Mhmm.","start_word":2388,"end_word":2451,"sentiment":"neutral","sentiment_score":0.15529825538396835},{"text":"And then once we have that, I will actually send you the documents for that appointment so that you can see the figures in front of you at the same time to make it easy.","start_word":2452,"end_word":2486,"sentiment":"positive","sentiment_score":0.36989203095436096},{"text":"You still obviously Mhmm. have time to go and do that research yourself afterwards.","start_word":2487,"end_word":2500,"sentiment":"neutral","sentiment_score":0.10774216055870056},{"text":"But, hopefully, because I'll give you all the research material as well that we've used.","start_word":2501,"end_word":2515,"sentiment":"positive","sentiment_score":0.3588995039463043},{"text":"Sorry.","start_word":2516,"end_word":2516,"sentiment":"neutral","sentiment_score":0.041579604148864746},{"text":"Hopefully, that will make things a little bit easier for you, and then you can obviously decide what you would like to do.","start_word":2517,"end_word":2539,"sentiment":"positive","sentiment_score":0.3807336390018463},{"text":"Mhmm.","start_word":2540,"end_word":2540,"sentiment":"neutral","sentiment_score":0.2321413904428482},{"text":"Perfect.","start_word":2541,"end_word":2541,"sentiment":"positive","sentiment_score":0.6149569153785706},{"text":"Now it will take maybe a week or two to get all of this research sorted. But as soon as I do have it all together, the team will give you a quick call to book you in for another follow-up with me, and that's when Mhmm. we'll go through all the research together. And, yeah, if you do decide that you wanna go elsewhere after that, then we can obviously assist you with that Okay.","start_word":2542,"end_word":2617,"sentiment":"neutral","sentiment_score":0.2587360441684723},{"text":"So you you are you cannot give me that information in this call. We have to wait a little bit.","start_word":2618,"end_word":2637,"sentiment":"negative","sentiment_score":-0.352540522813797},{"text":"process as well. Yeah. I have to do all that research for you, which does takes takes quite a while to obviously collect everything and, you know, do all the math and everything for you Mhmm. to to make sure that I have all the information for you, and that's all correct. So, yeah, it's Okay. it's it takes a little bit for me to do that reset, but I will do it as soon as I can for you. And as soon as I have it ready, I'll give you a call and we can go through it. Mhmm. But, you know, if you do have any other questions in the meantime, you know, just give me a call, and, yeah, I'd be more than happy to to talk further. But, otherwise, I'll try to get this done as soon as I can for you. Okay. And can you also include the Vanga? Yes. Yep. I can do Vanguard and Hester. Is those two you were kind of An an sorry. Virgin? Virgin? Virgin. Yeah. Yep. Okay. Yeah. I can do that. So Vanguard, Hesta, and Virgin. Yes. Yep. Okay. No problem. And I'll look to that growth comparison for you as well.","start_word":2638,"end_word":2841,"sentiment":"neutral","sentiment_score":0.07194960679785878},{"text":"Oh, awesome. Yeah. That Yep. would help.","start_word":2842,"end_word":2848,"sentiment":"positive","sentiment_score":0.41608214378356934},{"text":"Okay.","start_word":2849,"end_word":2849,"sentiment":"neutral","sentiment_score":0.20439466834068296},{"text":"No problem. Awesome.","start_word":2850,"end_word":2852,"sentiment":"positive","sentiment_score":0.4086253345012665},{"text":"Is there anything else that I can help you with at least for now, Sandra? No. I think that No? if because if we have not data, it's difficult to take decisions. Yeah. And I understand, obviously, the fees and returns, you need to make sure that you, you know, make it worth. And and part of, obviously, my job is, like, I'm quite bound by a lot of legislation and the best interest you do for you. And that is that, you know, when I do make my recommendations, they have to put you in a better position. Otherwise, I can't make the recommendation. And if I do all the research and it shows you that, you know, Vanguard is going to be a better option for you with what your goals are and what you wanna achieve, then that will be option for you with what your goals are and what you wanna achieve, then that will be my recommendation. Like, I'm not tied to anything. So it's it's I'm just basically, you know, making sure that everything I do is for Okay. Okay. you. Okay.","start_word":2853,"end_word":3040,"sentiment":"neutral","sentiment_score":0.020011937245726585},{"text":"That's great.","start_word":3041,"end_word":3042,"sentiment":"positive","sentiment_score":0.5849705338478088},{"text":"Yeah. Yeah. No Thank problem. Like I said, I'll give you a call as soon as I have this ready for you. But, yeah, it might be, like, a week or two, but I'll try my you.","start_word":3043,"end_word":3079,"sentiment":"neutral","sentiment_score":0.13398867916013743},{"text":"Oh, best awesome. to do That's it as good.","start_word":3080,"end_word":3088,"sentiment":"positive","sentiment_score":0.4477986693382263},{"text":"soon as I can. No Sounds problem at good. all, Sandra. I will let you go, and we'll speak very soon.","start_word":3089,"end_word":3109,"sentiment":"neutral","sentiment_score":0.23904283344745636},{"text":"Awesome. Thank you very much. Thank you, Sandra.","start_word":3110,"end_word":3117,"sentiment":"positive","sentiment_score":0.7684745788574219},{"text":"K.","start_word":3118,"end_word":3118,"sentiment":"neutral","sentiment_score":0.30651065707206726},{"text":"You have a Bye. good day. Thanks. You Bye.","start_word":3119,"end_word":3127,"sentiment":"positive","sentiment_score":0.46939313411712646},{"text":"too. Bye.","start_word":3128,"end_word":3129,"sentiment":"neutral","sentiment_score":0.2256043404340744}],"average":{"sentiment":"neutral","sentiment_score":0.061047193579354675}}}}