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You may as well be comfortable. No. All good. Legend. So when you open that one there, you'll see it has a button that says click to start or sign. If you can click on that button, it'll, yeah, it'll take you forward so you can view the document. I will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything. Okay. Excellent. So how to kinda give you a run through how we sort of do things is we do the annual review first, and then we provide the advice to make the recommendations, and then you get to decide what you're comfortable taking. Okay. Excellent. Perfect. Now before I do kinda go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do a quick security check there for you as well before I discuss your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So when you can see the document, it should say statement of advice prepared for yourself as of yesterday's date. Can you see that? Beautiful. Excellent. On the bottom that it has there, my authorized representative details. So the document has been prepared by myself and my team here, and my license number registered with ASIC is 1304394. Okay? I will skip a couple of pages because you do gonna get to go back and have a read through it as well just to sort of touch on the errors that I need to today for you. With if you can scroll down for me to page number three, this is called the scope of the advice. Beautiful. So we're looking at superannuation essentially. So you were hoping to be able to retire around about the age of 60 there. We've talked about some underperforming investments, addressing those, and making some changes to your portfolio to make sure that it is working a little bit harder for you, and then making sure we catch up in six months' time to sort of see how things are tracking and look at whether any additional changes need to be made as well. Does that still sound appropriate? Do you have any changes that you would wanna make to that at all? No. Beautiful. I've also included the state planning side of things underneath that. Essentially, your beneficiary nomination on hub is and Clearview is appropriate. It meets your needs. However, I do scoping this just to sort of make sure we're recommending that you do seek the services of a solicitor to your upwells and power of attorneys and review those on a regular basis as well just to make sure everything else is up to date. And I remember I sent through the email just with a bit more information there. Did you happen to receive that email at all? Yep. No. That's okay. It was a bit long, so I completely understand. No need to worry. Excellent. On the next page there, we got the insurances. So you were happy with the level of cover that you do have at the moment. We're not reviewing that currently. However, we'll make sure to review that down the track. So at the moment, I've scoped it into a limited scope. It's about noting that your insurances are paid out of super, so we have to scope it into the advice to make sure that is reflective of any projections that we do. Okay? Excellent. On the next page, we've got areas that we're not looking at. So we're not looking at debt or cash flow around at the moment. Any additional advice that you do require, we can provide down the track. So this is just about getting your super working a bit harder and replacing some underperforming investments and looking at what we can do to update the portfolio for you. Okay? Excellent. If I can get you to scroll down for me just to page number 12, this is just taking you through those recommendations, and I'll scroll through these next couple of pages and take you through those sections. Excellent. You can see that page there? No. It's the page number 12. It should have the heading strategy recommendations. No. You're fine. You're fine. Mhmm. Beautiful. So this one here is recommending that you do retain hub twenty four as part of reviewing your super and the investments. I did go back and have a look at the platform as well as all the other platforms out there. It's about doing doing our research and making sure that the recommendations are appropriate and within your best interest. But Hub twenty four is still an appropriate platform. There's still nothing wrong with it. It is still good. It does hold over 1,100 different investments, so so we are able to alter the portfolio to make sure it's working harder for you, which is great. Essentially, I did look at switching to another portfolio out or another super fund. And one thing I do take into consideration is the CGT consequences because just like you do a tax return every year, so this is super fund. If we had a look at selling all the investment down and moving to a new platform, it would have cemented or triggered CGT consequences of a little over $1,800 there. So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost. So that all reflects on your balance. So it's about making sure that things are working harder for you, but that we're not having the Superfund pay huge amounts of tax as well because that reflects in your balance, and you've gotta make that money back. Essentially so remaining in Hub 24 is appropriate. I'll take you through the investment switch on what I'm recommending there for you and just continuing to make sure your super contributions go into Hub 24 as appropriate as well. Okay? If you can scroll down for me just to page number 15 sorry. 16. I'll take you through a little bit more around why I've made the recommendations I have. Two? I'll show you. You're I'll show you in a second. Yeah. Page number 16. Yeah. Beautiful. So when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences. As I kinda mentioned, your super fund pays CGT. It does it it pays income tax and capital gains tax every year. In order to switch the investments, I was able to reduce the CGT costs down to $245. That's the expected cost of making the switch in the investments. And I've also been able to have a look at much cheaper portfolio for you as well. So the newer portfolio is expected to save you $358 for the year in investment fees, which is a positive as well. Okay? You're in that growth environment, which as we kinda went through has an 80% split between growth and defensive investment. So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest. Looking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible. So this newer portfolio, on the next line there, has averaged about 10.71%, which is great. And we wanna try and see if we can get that to, you know, maximize or do as much as that over the next couple of years as possible. Essentially, if you can get that 10.71% in this new portfolio with the fee savings included, On the next page, if you go down, you can see over the next five to ten years, it can put you in a much greater position projective wise. Yeah. Beautiful. Now if you go down to page 18, this is where it's got exactly what I wanna do to the the portfolio and the diff and the changes that we wanna make for you. Okay. Beautiful. Should have the red heading investments there. Can you see that one? Yeah. All good. Beautiful. So the main one to sort of look at is that column with the red and green. They're showing the buyers and sales. So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification. You're also removing the ban along Australian equities. That investment has been underperforming. So as we went through, we wanna get rid of that out of your portfolio and move that ASAP for you. We've got here the bank hybrids. Those investments are more defensive in nature, but they are being phased out in the future by the government as well. So whilst we're making changes now, we may as well remove it from your portfolio as well rather than holding them for the next two years and having to remove them at the last minute then for you. Okay? Physical gold, at the moment, you've got about 7% in there. It's over 7%. Your portfolio, we wanna hold 10%. We're buying a bit more physical gold, has done really well, has done very well in your portfolio as a whole. We just need to reweight the portfolio a little bit. Part of this is also making sure we're rebalancing things because, essentially, when your portfolio is out weighted, it means that you could be taking more risk or not taking enough risk, and so you're out weighted against your portfolio, and that can also affect your returns long term as well. So, we're also just rebalancing some of these investments like your physical gold and just purchasing a bit more of that investment for you. Okay? You've got your cybersecurity. So this is global cybersecurity. You've got a bit of 7% in there. At the moment, we wanna hold 5%, so we're just gonna rebalance that one, sell a little bit off, and just bring it back down to 5%, essentially. With getting rid of the bank hybrids, we still wanna hold defensive investments. And in this sort of environment with that growth environment, we wanna hold around about 20% there. We're gonna buy into 14% of core composite bonds. This is giving you exposure to both government and corporate bonds and a little bit of bank note exposure across the globe as well. So it is giving you diversification, defensive investments, and it's really good for income producing. Core composite bonds do pay out regular income payments, which gets paid back into your cash account, and that's redistributed back into the portfolio or reinvested back into the portfolio, which helps with the compounding effect long term as well. Okay? Excellent. You've also got the S and P 500 in there. You've got about 28.40% at the moment. We wanna hold 30%, so we're gonna buy a little bit more of that. I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole. However, it is still a good place to see returns. We have seen growth. It has been very volatile, but we do realistically see a lot of growth long term out of international equities. So we do wanna hold some international equities. The thing I like about the S and P 500 is that you are tracking the top 500 companies in The US. This can encompass anywhere from 500 to 520 different companies. You're tracking the S and P 500 index, and the makers of the index, the investment committee of the index itself actually meet every quarter, and they review what companies meet the criteria. If a company no longer meets the criteria to be in the S and P 500 index, they are removed out and replaced with other companies as well. So you are always tracking the top 500 companies in The US with that investment, and this one sort of follows the suit in in the way of the indices. It it makes changes along with the index, essentially. It's also a very low cost investment to hold, giving you good exposure. Okay? Excellent. We've got the Van Eck property investment in there. We are removing that ad. Property has done very well over the last couple of years. However, with the changes that we are seeing with legislation and property this year, it has taken a bit of a dip, and therefore, it is underperforming slightly. So we are removing that out for the time being. I think it's a place to watch and maybe put back in at a later time if appropriate. Okay. Yep. Beautiful. We've also got the BetaShares Raffy 200. This is Australian Equities. We are removing this completely. We're removing this and the Bannalong, and we found another way, a lower cost way to hold Australian Equities still while still giving you good diversified exposure into the market. Okay? So bottom one, the BetaShares a 200. This one here is a low cost passive investment. It's tracking the top 200 companies on the ASX. It's actually cheaper than the other two, performed much better, and it's actually one of the highest dividend paying Australian, 200 investment options available on the market. So I like it for its dividends. I like that it's low cost. It's saving you money, and it's also giving you a good exposure into the top 200 companies on the ASX, which is a positive. So this one here pays better dividends. It's much cheaper. And the Raffi has some mid cap stocks in it as well, so it has higher risk of underperformance. So the bet it says a 200 is a much better investment to hold, and it pays much better dividends as well, which is kinda what we wanna also generate for your portfolio. Yeah. Yeah. That's okay. You've also got the iShares Europe in there. That is the fourth one from the bottom. That is giving you exposure to the all 16 European countries. We wanna hold 8% of that investment. So, again, diversifying. And whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible. We can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible. And the best way we have to do that is diversification. So spreading your risk level a lot across different industries, different asset classes, and different countries there as well. And these sorts of investors definitely help us to do that. This is opening you up to the entire European market, which is great. We wanna hold eight percent of this investment there for you. And then underneath that, you've also got the Japanese one. So we wanna hold from Japan. Japan has been very good. We've seen some really great growth there in recent months. And when you think about what happened this year with the fuel crisis that we never actually eventuated, Japan had actually prepared very well for that. They had more fuel than most countries did for their for their, you know, residents, and they have prepared very, very well for that. So they are very good. They have seen really good growth, and we do sort of expect really good things for them. The other side of it is China used to be a really good partner for a lot of trade. There is still very high tensions with China out there, so we are finding a lot of people are moving into more other markets, and Japan seems to be one of those that's taking an attachment. Yeah. We've also then got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe, essentially. It's giving you good diversification. It doesn't hold The US Of A, and that's because we have the S and P 500 above it. So we don't really need that US exposure. However, it is opening up diversification into the rest of the globe, which is great. That's what we wanna see. We wanna see low cost investments, good dividend producing, and making sure to diversify as much as possible. And we wanna hold 8% of this investment. It has done very well over the last couple of years. We wanna sort of see it continue to do so. So, essentially, that's we'll we'll put that into your portfolio there as well. Once we've kinda made the switch, at the end of it, you'll see in the last two columns where you should see your funds. So you'll see 10% in physical gold, 5% in cybersecurity, 14% in physical in core gold composite bonds, 30 percent in the S and P 500. We'll see 8% in Europe, 5% in Japan, 8% with the all world ex US Vanguard investment, and 20% is sitting in the Australian equity side of things as well. So that's essentially the switches I wanna make. I do like that it stays on CGT. It's only a bit over $200 CGT cost for your super fund to sort of quantify. That means there's less money coming off your balance to be able to complete the switch, and reducing the cost of the investments means more money stays in your portfolio for longer. And then having a better past performance shows that if this investments can perform the way they have over the past five years, given the last five years worth of market conditions, it could put you in a much better position moving forward, which is what we wanna see. Does that make sense? Do you have any questions at all? Yeah. Beautiful. That's essentially all I really needed to go through, which is showing you the investments going through the advantages, disadvantages, the risk side of things there as I have. We've outlined a lot more around the advantages, disadvantages, the risks. I've also got a best interest, Judy, noted on the recommendations for you if you wanna read through that as well. It relates it back to your goals and sort of goes through why we have made the recommendations we have. And then below that, we've also got that beneficiary side of things. So it's just a bit more about recommending that you do speak to a solicitor and have a will drawn up for yourself and your family and also powers of attorney, and it's got advantages, disadvantages, and risks around those sorts of things for you as well. Okay? Easy. Is there any questions that have come up in any of that? Yeah. Thank you. I enjoy what I do. I really appreciate the opportunity to do this for you. I just wanna make sure your super works harder for you. I do want to allow you the chance to go back and have a read through the document as well. If you do find you have additional questions, please come back and let me know. It's absolutely fine. I love the questions. I think it's important that you're allowed to ask questions. And part of what I love about my job is the educational value as well, not just how you're saying, I'm gonna do this, but this is why I'm doing this. This is how this can help you. Because at the end of the day, I wanna make sure you get to retirement and are able to draw your income and live the life that you've worked so hard for. You've worked way too hard to lose everything now, so it's really important. Yeah. All good. That is basically everything. I'll leave you to to have a good afternoon and read through that. If you are happy to proceed with the recommendations, I'll just need to sign the document, return it back to me, and my team will have it implemented. And then as to our last chat in the annual review, I wanna make sure we do a six month catch up with you. Would you like a catch up prior to six months, or do you still feel like six months is okay? Oh, yeah? Yeah. Yeah. Absolutely. Well yeah. No worries. What I'll do is I'll jump in. I'll have a little bit of a look over the next few months towards Christmas and see if there's any kind of reason to touch base. If there's not, my team will give you a call in about six months' time, and we'll jump in and have a bit of a catch up then. How does that sound? Yeah. Beautiful. In the meantime, if you find something concerning you and you do wanna have a bit more of a touch base, you just let me know. My team will absolutely book you in, and we can always touch base. If they've got like, if they if you call in and just wanna have a quick chat, they'll also see if I'm available, and I'll happily take the call off the cuff if if if I'm not on the phone as well. So, yeah. Easy. Beautiful. Well, thank that's okay. Thank you so much for taking my call. I hope you have a lovely afternoon and get to relax. Thank you. I'll talk to you soon. See you later, Travis. 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Travis. Is now a better time there for you? Oh, fantastic. I thought if you're nearly home, you may as well finish getting there rather than sitting on the side of the road. You may as well be comfortable.\n\nNo. All good. Legend. So when you open that one there, you'll see it has a button that says click to start or sign. If you can click on that button, it'll, yeah, it'll take you forward so you can view the document.\n\nI will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything. Okay. Excellent. So how to kinda give you a run through how we sort of do things is we do the annual review first, and then we provide the advice to make the recommendations, and then you get to decide what you're comfortable taking. Okay.\n\nExcellent. Perfect. Now before I do kinda go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd I'll just do a quick security check there for you as well before I discuss your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that.\n\nSo when you can see the document, it should say statement of advice prepared for yourself as of yesterday's date. Can you see that? Beautiful. Excellent. On the bottom that it has there, my authorized representative details.\n\nSo the document has been prepared by myself and my team here, and my license number registered with ASIC is 1304394. Okay? I will skip a couple of pages because you do gonna get to go back and have a read through it as well just to sort of touch on the errors that I need to today for you. With if you can scroll down for me to page number three, this is called the scope of the advice. Beautiful.\n\nSo we're looking at superannuation essentially. So you were hoping to be able to retire around about the age of 60 there. We've talked about some underperforming investments, addressing those, and making some changes to your portfolio to make sure that it is working a little bit harder for you, and then making sure we catch up in six months' time to sort of see how things are tracking and look at whether any additional changes need to be made as well. Does that still sound appropriate? Do you have any changes that you would wanna make to that at all?\n\nNo. Beautiful. I've also included the state planning side of things underneath that. Essentially, your beneficiary nomination on hub is and Clearview is appropriate. It meets your needs.\n\nHowever, I do scoping this just to sort of make sure we're recommending that you do seek the services of a solicitor to your upwells and power of attorneys and review those on a regular basis as well just to make sure everything else is up to date. And I remember I sent through the email just with a bit more information there. Did you happen to receive that email at all? Yep. No.\n\nThat's okay. It was a bit long, so I completely understand. No need to worry. Excellent. On the next page there, we got the insurances.\n\nSo you were happy with the level of cover that you do have at the moment. We're not reviewing that currently. However, we'll make sure to review that down the track. So at the moment, I've scoped it into a limited scope. It's about noting that your insurances are paid out of super, so we have to scope it into the advice to make sure that is reflective of any projections that we do.\n\nOkay? Excellent. On the next page, we've got areas that we're not looking at. So we're not looking at debt or cash flow around at the moment. Any additional advice that you do require, we can provide down the track.\n\nSo this is just about getting your super working a bit harder and replacing some underperforming investments and looking at what we can do to update the portfolio for you. Okay? Excellent. If I can get you to scroll down for me just to page number 12, this is just taking you through those recommendations, and I'll scroll through these next couple of pages and take you through those sections. Excellent.\n\nYou can see that page there? No. It's the page number 12. It should have the heading strategy recommendations. No.\n\nYou're fine. You're fine. Mhmm. Beautiful. So this one here is recommending that you do retain hub twenty four as part of reviewing your super and the investments.\n\nI did go back and have a look at the platform as well as all the other platforms out there. It's about doing doing our research and making sure that the recommendations are appropriate and within your best interest. But Hub twenty four is still an appropriate platform. There's still nothing wrong with it. It is still good.\n\nIt does hold over 1,100 different investments, so so we are able to alter the portfolio to make sure it's working harder for you, which is great. Essentially, I did look at switching to another portfolio out or another super fund. And one thing I do take into consideration is the CGT consequences because just like you do a tax return every year, so this is super fund. If we had a look at selling all the investment down and moving to a new platform, it would have cemented or triggered CGT consequences of a little over $1,800 there. So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost.\n\nSo that all reflects on your balance. So it's about making sure that things are working harder for you, but that we're not having the Superfund pay huge amounts of tax as well because that reflects in your balance, and you've gotta make that money back. Essentially so remaining in Hub 24 is appropriate. I'll take you through the investment switch on what I'm recommending there for you and just continuing to make sure your super contributions go into Hub 24 as appropriate as well. Okay?\n\nIf you can scroll down for me just to page number 15 sorry. 16. I'll take you through a little bit more around why I've made the recommendations I have. Two? I'll show you.\n\nYou're I'll show you in a second. Yeah. Page number 16. Yeah. Beautiful.\n\nSo when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences. As I kinda mentioned, your super fund pays CGT. It does it it pays income tax and capital gains tax every year. In order to switch the investments, I was able to reduce the CGT costs down to $245. That's the expected cost of making the switch in the investments.\n\nAnd I've also been able to have a look at much cheaper portfolio for you as well. So the newer portfolio is expected to save you $358 for the year in investment fees, which is a positive as well. Okay? You're in that growth environment, which as we kinda went through has an 80% split between growth and defensive investment. So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest.\n\nLooking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible. So this newer portfolio, on the next line there, has averaged about 10.71%, which is great. And we wanna try and see if we can get that to, you know, maximize or do as much as that over the next couple of years as possible. Essentially, if you can get that 10.71% in this new portfolio with the fee savings included, On the next page, if you go down, you can see over the next five to ten years, it can put you in a much greater position projective wise. Yeah.\n\nBeautiful. Now if you go down to page 18, this is where it's got exactly what I wanna do to the the portfolio and the diff and the changes that we wanna make for you. Okay. Beautiful. Should have the red heading investments there.\n\nCan you see that one? Yeah. All good. Beautiful. So the main one to sort of look at is that column with the red and green.\n\nThey're showing the buyers and sales. So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification. You're also removing the ban along Australian equities. That investment has been underperforming. So as we went through, we wanna get rid of that out of your portfolio and move that ASAP for you.\n\nWe've got here the bank hybrids. Those investments are more defensive in nature, but they are being phased out in the future by the government as well. So whilst we're making changes now, we may as well remove it from your portfolio as well rather than holding them for the next two years and having to remove them at the last minute then for you. Okay? Physical gold, at the moment, you've got about 7% in there.\n\nIt's over 7%. Your portfolio, we wanna hold 10%. We're buying a bit more physical gold, has done really well, has done very well in your portfolio as a whole. We just need to reweight the portfolio a little bit. Part of this is also making sure we're rebalancing things because, essentially, when your portfolio is out weighted, it means that you could be taking more risk or not taking enough risk, and so you're out weighted against your portfolio, and that can also affect your returns long term as well.\n\nSo, we're also just rebalancing some of these investments like your physical gold and just purchasing a bit more of that investment for you. Okay? You've got your cybersecurity. So this is global cybersecurity. You've got a bit of 7% in there.\n\nAt the moment, we wanna hold 5%, so we're just gonna rebalance that one, sell a little bit off, and just bring it back down to 5%, essentially. With getting rid of the bank hybrids, we still wanna hold defensive investments. And in this sort of environment with that growth environment, we wanna hold around about 20% there. We're gonna buy into 14% of core composite bonds. This is giving you exposure to both government and corporate bonds and a little bit of bank note exposure across the globe as well.\n\nSo it is giving you diversification, defensive investments, and it's really good for income producing. Core composite bonds do pay out regular income payments, which gets paid back into your cash account, and that's redistributed back into the portfolio or reinvested back into the portfolio, which helps with the compounding effect long term as well. Okay? Excellent. You've also got the S and P 500 in there.\n\nYou've got about 28.40% at the moment. We wanna hold 30%, so we're gonna buy a little bit more of that. I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole. However, it is still a good place to see returns. We have seen growth.\n\nIt has been very volatile, but we do realistically see a lot of growth long term out of international equities. So we do wanna hold some international equities. The thing I like about the S and P 500 is that you are tracking the top 500 companies in The US. This can encompass anywhere from 500 to 520 different companies. You're tracking the S and P 500 index, and the makers of the index, the investment committee of the index itself actually meet every quarter, and they review what companies meet the criteria.\n\nIf a company no longer meets the criteria to be in the S and P 500 index, they are removed out and replaced with other companies as well. So you are always tracking the top 500 companies in The US with that investment, and this one sort of follows the suit in in the way of the indices. It it makes changes along with the index, essentially. It's also a very low cost investment to hold, giving you good exposure. Okay?\n\nExcellent. We've got the Van Eck property investment in there. We are removing that ad. Property has done very well over the last couple of years. However, with the changes that we are seeing with legislation and property this year, it has taken a bit of a dip, and therefore, it is underperforming slightly.\n\nSo we are removing that out for the time being. I think it's a place to watch and maybe put back in at a later time if appropriate. Okay. Yep. Beautiful.\n\nWe've also got the BetaShares Raffy 200. This is Australian Equities. We are removing this completely. We're removing this and the Bannalong, and we found another way, a lower cost way to hold Australian Equities still while still giving you good diversified exposure into the market. Okay?\n\nSo bottom one, the BetaShares a 200. This one here is a low cost passive investment. It's tracking the top 200 companies on the ASX. It's actually cheaper than the other two, performed much better, and it's actually one of the highest dividend paying Australian, 200 investment options available on the market. So I like it for its dividends.\n\nI like that it's low cost. It's saving you money, and it's also giving you a good exposure into the top 200 companies on the ASX, which is a positive. So this one here pays better dividends. It's much cheaper. And the Raffi has some mid cap stocks in it as well, so it has higher risk of underperformance.\n\nSo the bet it says a 200 is a much better investment to hold, and it pays much better dividends as well, which is kinda what we wanna also generate for your portfolio. Yeah. Yeah. That's okay. You've also got the iShares Europe in there.\n\nThat is the fourth one from the bottom. That is giving you exposure to the all 16 European countries. We wanna hold 8% of that investment. So, again, diversifying. And whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible.\n\nWe can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible. And the best way we have to do that is diversification. So spreading your risk level a lot across different industries, different asset classes, and different countries there as well. And these sorts of investors definitely help us to do that. This is opening you up to the entire European market, which is great.\n\nWe wanna hold eight percent of this investment there for you. And then underneath that, you've also got the Japanese one. So we wanna hold from Japan. Japan has been very good. We've seen some really great growth there in recent months.\n\nAnd when you think about what happened this year with the fuel crisis that we never actually eventuated, Japan had actually prepared very well for that. They had more fuel than most countries did for their for their, you know, residents, and they have prepared very, very well for that. So they are very good. They have seen really good growth, and we do sort of expect really good things for them. The other side of it is China used to be a really good partner for a lot of trade.\n\nThere is still very high tensions with China out there, so we are finding a lot of people are moving into more other markets, and Japan seems to be one of those that's taking an attachment. Yeah. We've also then got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe, essentially. It's giving you good diversification.\n\nIt doesn't hold The US Of A, and that's because we have the S and P 500 above it. So we don't really need that US exposure. However, it is opening up diversification into the rest of the globe, which is great. That's what we wanna see. We wanna see low cost investments, good dividend producing, and making sure to diversify as much as possible.\n\nAnd we wanna hold 8% of this investment. It has done very well over the last couple of years. We wanna sort of see it continue to do so. So, essentially, that's we'll we'll put that into your portfolio there as well. Once we've kinda made the switch, at the end of it, you'll see in the last two columns where you should see your funds.\n\nSo you'll see 10% in physical gold, 5% in cybersecurity, 14% in physical in core gold composite bonds, 30 percent in the S and P 500. We'll see 8% in Europe, 5% in Japan, 8% with the all world ex US Vanguard investment, and 20% is sitting in the Australian equity side of things as well. So that's essentially the switches I wanna make. I do like that it stays on CGT. It's only a bit over $200 CGT cost for your super fund to sort of quantify.\n\nThat means there's less money coming off your balance to be able to complete the switch, and reducing the cost of the investments means more money stays in your portfolio for longer. And then having a better past performance shows that if this investments can perform the way they have over the past five years, given the last five years worth of market conditions, it could put you in a much better position moving forward, which is what we wanna see. Does that make sense? Do you have any questions at all? Yeah.\n\nBeautiful. That's essentially all I really needed to go through, which is showing you the investments going through the advantages, disadvantages, the risk side of things there as I have. We've outlined a lot more around the advantages, disadvantages, the risks. I've also got a best interest, Judy, noted on the recommendations for you if you wanna read through that as well. It relates it back to your goals and sort of goes through why we have made the recommendations we have.\n\nAnd then below that, we've also got that beneficiary side of things. So it's just a bit more about recommending that you do speak to a solicitor and have a will drawn up for yourself and your family and also powers of attorney, and it's got advantages, disadvantages, and risks around those sorts of things for you as well. Okay? Easy. Is there any questions that have come up in any of that?\n\nYeah. Thank you. I enjoy what I do. I really appreciate the opportunity to do this for you. I just wanna make sure your super works harder for you.\n\nI do want to allow you the chance to go back and have a read through the document as well. If you do find you have additional questions, please come back and let me know. It's absolutely fine. I love the questions. I think it's important that you're allowed to ask questions.\n\nAnd part of what I love about my job is the educational value as well, not just how you're saying, I'm gonna do this, but this is why I'm doing this. This is how this can help you. Because at the end of the day, I wanna make sure you get to retirement and are able to draw your income and live the life that you've worked so hard for. You've worked way too hard to lose everything now, so it's really important. Yeah.\n\nAll good. That is basically everything. I'll leave you to to have a good afternoon and read through that. If you are happy to proceed with the recommendations, I'll just need to sign the document, return it back to me, and my team will have it implemented. And then as to our last chat in the annual review, I wanna make sure we do a six month catch up with you.\n\nWould you like a catch up prior to six months, or do you still feel like six months is okay? Oh, yeah? Yeah. Yeah. Absolutely.\n\nWell yeah. No worries. What I'll do is I'll jump in. I'll have a little bit of a look over the next few months towards Christmas and see if there's any kind of reason to touch base. If there's not, my team will give you a call in about six months' time, and we'll jump in and have a bit of a catch up then.\n\nHow does that sound? Yeah. Beautiful. In the meantime, if you find something concerning you and you do wanna have a bit more of a touch base, you just let me know. My team will absolutely book you in, and we can always touch base.\n\nIf they've got like, if they if you call in and just wanna have a quick chat, they'll also see if I'm available, and I'll happily take the call off the cuff if if if I'm not on the phone as well. So, yeah. Easy. Beautiful. Well, thank that's okay.\n\nThank you so much for taking my call. I hope you have a lovely afternoon and get to relax. Thank you. I'll talk to you soon. See you later, Travis.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Travis.","start":3.1999998,"end":4.08,"sentiment":"neutral","sentiment_score":0.22270517796278},{"text":"Is now a better time there for you?","start":4.08,"end":6.1,"sentiment":"neutral","sentiment_score":0.30984120070934296},{"text":"Oh, fantastic.","start":8.08,"end":9.059999,"sentiment":"positive","sentiment_score":0.6633601188659668},{"text":"I thought if you're nearly home, you may as well finish getting there rather than sitting on the side of the road.","start":9.12,"end":13.28,"sentiment":"neutral","sentiment_score":0.26704294979572296},{"text":"You may as well be comfortable.","start":13.28,"end":14.42,"sentiment":"neutral","sentiment_score":0.3099425633748372}],"sentiment":"neutral","sentiment_score":0.29963651187717916,"num_words":40,"start":3.1999998,"end":14.42},{"sentences":[{"text":"No.","start":16.855,"end":17.335,"sentiment":"neutral","sentiment_score":0.09065859019756316},{"text":"All good.","start":17.335,"end":18.075,"sentiment":"neutral","sentiment_score":0.19758675247430801},{"text":"Legend.","start":19.735,"end":20.235,"sentiment":"neutral","sentiment_score":0.11287160217761992},{"text":"So when you open that one there, you'll see it has a button that says click to start or sign.","start":20.855,"end":25.335,"sentiment":"neutral","sentiment_score":0.057573847286403176},{"text":"If you can click on that button, it'll, yeah, it'll take you forward so you can view the document.","start":25.335,"end":29.595,"sentiment":"neutral","sentiment_score":0.12981825263092392}],"sentiment":"neutral","sentiment_score":0.09806342890789342,"num_words":43,"start":16.855,"end":29.595},{"sentences":[{"text":"I will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything.","start":30.03,"end":36.13,"sentiment":"neutral","sentiment_score":0.10842173574147401},{"text":"Okay.","start":36.27,"end":36.77,"sentiment":"neutral","sentiment_score":0.11278598755598068},{"text":"Excellent.","start":38.75,"end":39.25,"sentiment":"positive","sentiment_score":0.4697812795639038},{"text":"So how to kinda give you a run through how we sort of do things is we do the annual review first, and then we provide the advice to make the recommendations, and then you get to decide what you're comfortable taking.","start":39.47,"end":51.235,"sentiment":"neutral","sentiment_score":0.2366875218493598},{"text":"Okay.","start":51.455,"end":51.955,"sentiment":"neutral","sentiment_score":0.12167912721633913}],"sentiment":"neutral","sentiment_score":0.1885070719031824,"num_words":72,"start":30.03,"end":51.955},{"sentences":[{"text":"Excellent.","start":52.815,"end":53.315,"sentiment":"positive","sentiment_score":0.48310840129852295},{"text":"Perfect.","start":53.614998,"end":54.015,"sentiment":"positive","sentiment_score":0.4882219135761261},{"text":"Now before I do kinda go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes.","start":54.015,"end":59.899998,"sentiment":"neutral","sentiment_score":0.13121099798725203},{"text":"Are you happy for me to proceed with that?","start":59.899998,"end":61.84,"sentiment":"neutral","sentiment_score":0.1600463092327118},{"text":"Fantastic.","start":63.26,"end":63.76,"sentiment":"positive","sentiment_score":0.5395968556404114}],"sentiment":"neutral","sentiment_score":0.16744289213889524,"num_words":38,"start":52.815,"end":63.76},{"sentences":[{"text":"And I'll just do a quick security check there for you as well before I discuss your personal information.","start":63.899998,"end":68.06,"sentiment":"neutral","sentiment_score":0.2239112548137966},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":68.06,"end":72.075,"sentiment":"neutral","sentiment_score":0.13981396332383156},{"text":"Yep.","start":74.954994,"end":75.454994,"sentiment":"neutral","sentiment_score":0.035277195274829865},{"text":"Beautiful.","start":77.91499,"end":78.314995,"sentiment":"positive","sentiment_score":0.4748762845993042},{"text":"Thank you so much for that.","start":78.314995,"end":79.935,"sentiment":"positive","sentiment_score":0.5814176499843597}],"sentiment":"neutral","sentiment_score":0.23509047846210765,"num_words":47,"start":63.899998,"end":79.935},{"sentences":[{"text":"So when you can see the document, it should say statement of advice prepared for yourself as of yesterday's date.","start":81.354996,"end":86.95,"sentiment":"neutral","sentiment_score":0.20108990631997586},{"text":"Can you see that?","start":86.95,"end":88.09,"sentiment":"neutral","sentiment_score":0.0606308588758111},{"text":"Beautiful.","start":89.11,"end":89.61,"sentiment":"positive","sentiment_score":0.4904805123806},{"text":"Excellent.","start":89.67,"end":90.17,"sentiment":"positive","sentiment_score":0.40205445885658264},{"text":"On the bottom that it has there, my authorized representative details.","start":90.229996,"end":93.67,"sentiment":"neutral","sentiment_score":0.11974069001999768}],"sentiment":"neutral","sentiment_score":0.17497308441513293,"num_words":37,"start":81.354996,"end":93.67},{"sentences":[{"text":"So the document has been prepared by myself and my team here, and my license number registered with ASIC is 1304394.","start":93.67,"end":100.95,"sentiment":"neutral","sentiment_score":0.11278789419503439},{"text":"Okay?","start":100.95,"end":101.45,"sentiment":"neutral","sentiment_score":0.0661977082490921},{"text":"I will skip a couple of pages because you do gonna get to go back and have a read through it as well just to sort of touch on the errors that I need to today for you.","start":102.604996,"end":109.985,"sentiment":"neutral","sentiment_score":0.07340794095867559},{"text":"With if you can scroll down for me to page number three, this is called the scope of the advice.","start":111.005,"end":115.665,"sentiment":"neutral","sentiment_score":0.06217253431677818},{"text":"Beautiful.","start":117.21,"end":117.71,"sentiment":"positive","sentiment_score":0.6653361320495605}],"sentiment":"neutral","sentiment_score":0.08806212421184705,"num_words":81,"start":93.67,"end":117.71},{"sentences":[{"text":"So we're looking at superannuation essentially.","start":117.92999,"end":120.27,"sentiment":"neutral","sentiment_score":0.24643334249655405},{"text":"So you were hoping to be able to retire around about the age of 60 there.","start":120.409996,"end":124.67,"sentiment":"neutral","sentiment_score":0.19750013295561075},{"text":"We've talked about some underperforming investments, addressing those, and making some changes to your portfolio to make sure that it is working a little bit harder for you, and then making sure we catch up in six months' time to sort of see how things are tracking and look at whether any additional changes need to be made as well.","start":124.89,"end":140.105,"sentiment":"neutral","sentiment_score":0.1021332367012898},{"text":"Does that still sound appropriate?","start":140.105,"end":141.545,"sentiment":"neutral","sentiment_score":0.11149994134902955},{"text":"Do you have any changes that you would wanna make to that at all?","start":141.545,"end":144.36499,"sentiment":"neutral","sentiment_score":0.0490838677755424}],"sentiment":"neutral","sentiment_score":0.11892346772226957,"num_words":101,"start":117.92999,"end":144.36499},{"sentences":[{"text":"No.","start":146.07,"end":146.47,"sentiment":"neutral","sentiment_score":0.16431647539138794},{"text":"Beautiful.","start":146.47,"end":146.97,"sentiment":"positive","sentiment_score":0.5514663457870483},{"text":"I've also included the state planning side of things underneath that.","start":147.83,"end":151.11,"sentiment":"neutral","sentiment_score":0.28936118564822455},{"text":"Essentially, your beneficiary nomination on hub is and Clearview is appropriate.","start":151.51001,"end":155.51001,"sentiment":"neutral","sentiment_score":0.3134892230684107},{"text":"It meets your needs.","start":155.51001,"end":156.645,"sentiment":"positive","sentiment_score":0.36600854992866516}],"sentiment":"neutral","sentiment_score":0.31468469702771734,"num_words":28,"start":146.07,"end":156.645},{"sentences":[{"text":"However, I do scoping this just to sort of make sure we're recommending that you do seek the services of a solicitor to your upwells and power of attorneys and review those on a regular basis as well just to make sure everything else is up to date.","start":157.205,"end":170.48,"sentiment":"neutral","sentiment_score":0.15302752812082568},{"text":"And I remember I sent through the email just with a bit more information there.","start":170.7,"end":173.9,"sentiment":"neutral","sentiment_score":0.03741468737522761},{"text":"Did you happen to receive that email at all?","start":173.9,"end":176.15999,"sentiment":"neutral","sentiment_score":0.0032659429642889234},{"text":"Yep.","start":178.62,"end":179.12,"sentiment":"neutral","sentiment_score":-0.1509588658809662},{"text":"No.","start":179.81999,"end":180.06,"sentiment":"neutral","sentiment_score":-0.2010575830936432}],"sentiment":"neutral","sentiment_score":0.10248538781259511,"num_words":74,"start":157.205,"end":180.06},{"sentences":[{"text":"That's okay.","start":180.06,"end":180.78,"sentiment":"neutral","sentiment_score":-0.17094963788986206},{"text":"It was a bit long, so I completely understand.","start":180.78,"end":183.12,"sentiment":"neutral","sentiment_score":-0.23384095397260454},{"text":"No need to worry.","start":183.18,"end":184.4,"sentiment":"neutral","sentiment_score":-0.03742783423513174},{"text":"Excellent.","start":185.38501,"end":185.88501,"sentiment":"positive","sentiment_score":0.5688647031784058},{"text":"On the next page there, we got the insurances.","start":186.345,"end":188.445,"sentiment":"neutral","sentiment_score":0.19734204477734035}],"sentiment":"neutral","sentiment_score":-0.010049443691968918,"num_words":25,"start":180.06,"end":188.445},{"sentences":[{"text":"So you were happy with the level of cover that you do have at the moment.","start":188.505,"end":191.225,"sentiment":"neutral","sentiment_score":0.22832870855927467},{"text":"We're not reviewing that currently.","start":191.225,"end":192.765,"sentiment":"neutral","sentiment_score":-0.09102033600211143},{"text":"However, we'll make sure to review that down the track.","start":193.145,"end":195.465,"sentiment":"neutral","sentiment_score":0.049683308228850365},{"text":"So at the moment, I've scoped it into a limited scope.","start":195.465,"end":197.945,"sentiment":"neutral","sentiment_score":-0.0231302949515256},{"text":"It's about noting that your insurances are paid out of super, so we have to scope it into the advice to make sure that is reflective of any projections that we do.","start":197.945,"end":206.70999,"sentiment":"neutral","sentiment_score":0.043723250506445765}],"sentiment":"neutral","sentiment_score":0.06540137176980844,"num_words":74,"start":188.505,"end":206.70999},{"sentences":[{"text":"Okay?","start":206.70999,"end":207.20999,"sentiment":"neutral","sentiment_score":0.028376750648021695},{"text":"Excellent.","start":208.87,"end":209.37,"sentiment":"positive","sentiment_score":0.5066171288490295},{"text":"On the next page, we've got areas that we're not looking at.","start":210.06999,"end":212.31,"sentiment":"neutral","sentiment_score":-0.013664894582082828},{"text":"So we're not looking at debt or cash flow around at the moment.","start":212.31,"end":215.40501,"sentiment":"neutral","sentiment_score":-0.09587252397949879},{"text":"Any additional advice that you do require, we can provide down the track.","start":215.54501,"end":218.82501,"sentiment":"neutral","sentiment_score":0.008192063667453252}],"sentiment":"neutral","sentiment_score":-0.019220770988613366,"num_words":40,"start":206.70999,"end":218.82501},{"sentences":[{"text":"So this is just about getting your super working a bit harder and replacing some underperforming investments and looking at what we can do to update the portfolio for you.","start":218.82501,"end":227.145,"sentiment":"neutral","sentiment_score":0.012304103871186575},{"text":"Okay?","start":227.145,"end":227.645,"sentiment":"neutral","sentiment_score":0.02484070137143135},{"text":"Excellent.","start":228.81999,"end":229.31999,"sentiment":"positive","sentiment_score":0.4230436384677887},{"text":"If I can get you to scroll down for me just to page number 12, this is just taking you through those recommendations, and I'll scroll through these next couple of pages and take you through those sections.","start":230.09999,"end":241.48,"sentiment":"neutral","sentiment_score":0.19071044027805328},{"text":"Excellent.","start":242.98,"end":243.48,"sentiment":"neutral","sentiment_score":0.2671138644218445}],"sentiment":"neutral","sentiment_score":0.11733969085862939,"num_words":71,"start":218.82501,"end":243.48},{"sentences":[{"text":"You can see that page there?","start":246.455,"end":247.99501,"sentiment":"neutral","sentiment_score":0.07542277003328006},{"text":"No.","start":250.615,"end":250.93501,"sentiment":"neutral","sentiment_score":-0.033568982034921646},{"text":"It's the page number 12.","start":250.93501,"end":252.21501,"sentiment":"neutral","sentiment_score":-0.018368625082075596},{"text":"It should have the heading strategy recommendations.","start":252.21501,"end":254.235,"sentiment":"neutral","sentiment_score":-0.01719338646424668},{"text":"No.","start":255.015,"end":255.255,"sentiment":"neutral","sentiment_score":-0.048134446144104}],"sentiment":"neutral","sentiment_score":0.007931818068027497,"num_words":20,"start":246.455,"end":255.255},{"sentences":[{"text":"You're fine.","start":255.255,"end":256.155,"sentiment":"neutral","sentiment_score":0.026101501658558846},{"text":"You're fine.","start":256.295,"end":257.1,"sentiment":"neutral","sentiment_score":0.07312888279557228},{"text":"Mhmm.","start":258.94,"end":259.44,"sentiment":"neutral","sentiment_score":0.0697774738073349},{"text":"Beautiful.","start":260.14,"end":260.64,"sentiment":"neutral","sentiment_score":0.31964343786239624},{"text":"So this one here is recommending that you do retain hub twenty four as part of reviewing your super and the investments.","start":261.02002,"end":266.86002,"sentiment":"neutral","sentiment_score":0.11905409700491211}],"sentiment":"neutral","sentiment_score":0.11453827909593071,"num_words":28,"start":255.255,"end":266.86002},{"sentences":[{"text":"I did go back and have a look at the platform as well as all the other platforms out there.","start":266.86002,"end":270.925,"sentiment":"neutral","sentiment_score":0.09167630113661289},{"text":"It's about doing doing our research and making sure that the recommendations are appropriate and within your best interest.","start":270.925,"end":276.465,"sentiment":"neutral","sentiment_score":0.1783771436465414},{"text":"But Hub twenty four is still an appropriate platform.","start":277.16498,"end":279.32498,"sentiment":"neutral","sentiment_score":0.18706511126624215},{"text":"There's still nothing wrong with it.","start":279.32498,"end":280.60498,"sentiment":"neutral","sentiment_score":0.15840254724025726},{"text":"It is still good.","start":280.60498,"end":281.66498,"sentiment":"positive","sentiment_score":0.47902435064315796}],"sentiment":"neutral","sentiment_score":0.16849638688667068,"num_words":58,"start":266.86002,"end":281.66498},{"sentences":[{"text":"It does hold over 1,100 different investments, so so we are able to alter the portfolio to make sure it's working harder for you, which is great.","start":281.88498,"end":289.25,"sentiment":"neutral","sentiment_score":0.33264642070840905},{"text":"Essentially, I did look at switching to another portfolio out or another super fund.","start":289.94998,"end":294.77,"sentiment":"neutral","sentiment_score":-0.04253127605521253},{"text":"And one thing I do take into consideration is the CGT consequences because just like you do a tax return every year, so this is super fund.","start":295.07,"end":302.815,"sentiment":"neutral","sentiment_score":-0.04960101622122305},{"text":"If we had a look at selling all the investment down and moving to a new platform, it would have cemented or triggered CGT consequences of a little over $1,800 there.","start":303.195,"end":312.315,"sentiment":"neutral","sentiment_score":-0.14693950633368186},{"text":"So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost.","start":312.315,"end":321.65,"sentiment":"neutral","sentiment_score":0.18301440235869637}],"sentiment":"neutral","sentiment_score":0.060930320534680504,"num_words":128,"start":281.88498,"end":321.65},{"sentences":[{"text":"So that all reflects on your balance.","start":321.65,"end":323.67,"sentiment":"neutral","sentiment_score":0.0820755586028099},{"text":"So it's about making sure that things are working harder for you, but that we're not having the Superfund pay huge amounts of tax as well because that reflects in your balance, and you've gotta make that money back.","start":323.73,"end":334.035,"sentiment":"neutral","sentiment_score":0.05110895652801563},{"text":"Essentially so remaining in Hub 24 is appropriate.","start":334.895,"end":338.655,"sentiment":"neutral","sentiment_score":0.20411738194525242},{"text":"I'll take you through the investment switch on what I'm recommending there for you and just continuing to make sure your super contributions go into Hub 24 as appropriate as well.","start":338.655,"end":347.18,"sentiment":"positive","sentiment_score":0.33505489364747076},{"text":"Okay?","start":347.18,"end":347.68,"sentiment":"neutral","sentiment_score":0.07084334641695023}],"sentiment":"neutral","sentiment_score":0.17044491069607956,"num_words":86,"start":321.65,"end":347.68},{"sentences":[{"text":"If you can scroll down for me just to page number 15 sorry.","start":348.54,"end":352.38,"sentiment":"neutral","sentiment_score":0.023045015736268118},{"text":"16.","start":352.38,"end":352.88,"sentiment":"neutral","sentiment_score":0.02875909768044949},{"text":"I'll take you through a little bit more around why I've made the recommendations I have.","start":353.1,"end":357.165,"sentiment":"neutral","sentiment_score":0.08827559743076563},{"text":"Two?","start":361.245,"end":361.565,"sentiment":"neutral","sentiment_score":-0.00583781860768795},{"text":"I'll show you.","start":361.565,"end":362.20502,"sentiment":"neutral","sentiment_score":0.01164894892523686}],"sentiment":"neutral","sentiment_score":0.05205479086212376,"num_words":34,"start":348.54,"end":362.20502},{"sentences":[{"text":"You're I'll show you in a second.","start":362.20502,"end":363.745,"sentiment":"neutral","sentiment_score":0.014326370853398527},{"text":"Yeah.","start":364.845,"end":365.345,"sentiment":"neutral","sentiment_score":0.019472569227218628},{"text":"Page number 16.","start":366.845,"end":368.785,"sentiment":"neutral","sentiment_score":0.018468946839372315},{"text":"Yeah.","start":370.845,"end":371.345,"sentiment":"neutral","sentiment_score":0.08836907148361206},{"text":"Beautiful.","start":372.62,"end":373.12,"sentiment":"positive","sentiment_score":0.5787612199783325}],"sentiment":"neutral","sentiment_score":0.06479186901392844,"num_words":13,"start":362.20502,"end":373.12},{"sentences":[{"text":"So when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences.","start":374.13998,"end":380.31998,"sentiment":"neutral","sentiment_score":0.1237609659632047},{"text":"As I kinda mentioned, your super fund pays CGT.","start":380.46,"end":383.03998,"sentiment":"neutral","sentiment_score":0.20422115921974182},{"text":"It does it it pays income tax and capital gains tax every year.","start":383.58,"end":387.105,"sentiment":"neutral","sentiment_score":0.16673253304683244},{"text":"In order to switch the investments, I was able to reduce the CGT costs down to $245.","start":387.42502,"end":393.345,"sentiment":"positive","sentiment_score":0.5449996362714207},{"text":"That's the expected cost of making the switch in the investments.","start":393.345,"end":396.08502,"sentiment":"positive","sentiment_score":0.6758066307414662}],"sentiment":"neutral","sentiment_score":0.31992761216856336,"num_words":74,"start":374.13998,"end":396.08502},{"sentences":[{"text":"And I've also been able to have a look at much cheaper portfolio for you as well.","start":396.385,"end":400.64502,"sentiment":"positive","sentiment_score":0.687053894295412},{"text":"So the newer portfolio is expected to save you $358 for the year in investment fees, which is a positive as well.","start":400.68,"end":407.16,"sentiment":"positive","sentiment_score":0.7804615903984417},{"text":"Okay?","start":407.16,"end":407.66,"sentiment":"positive","sentiment_score":0.3486678898334503},{"text":"You're in that growth environment, which as we kinda went through has an 80% split between growth and defensive investment.","start":408.68,"end":415.1,"sentiment":"neutral","sentiment_score":0.28168429508805276},{"text":"So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest.","start":415.63998,"end":426.29498,"sentiment":"neutral","sentiment_score":0.2607569497014428}],"sentiment":"positive","sentiment_score":0.47634130926656254,"num_words":89,"start":396.385,"end":426.29498},{"sentences":[{"text":"Looking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible.","start":426.595,"end":439.8,"sentiment":"neutral","sentiment_score":0.19910209067165852},{"text":"So this newer portfolio, on the next line there, has averaged about 10.71%, which is great.","start":439.86,"end":446.355,"sentiment":"positive","sentiment_score":0.5450611412525177},{"text":"And we wanna try and see if we can get that to, you know, maximize or do as much as that over the next couple of years as possible.","start":446.435,"end":452.77502,"sentiment":"positive","sentiment_score":0.4889482383070321},{"text":"Essentially, if you can get that 10.71% in this new portfolio with the fee savings included, On the next page, if you go down, you can see over the next five to ten years, it can put you in a much greater position projective wise.","start":453.155,"end":466.18,"sentiment":"positive","sentiment_score":0.3681836969322628},{"text":"Yeah.","start":467.84,"end":468.24,"sentiment":"neutral","sentiment_score":0.32156461477279663}],"sentiment":"positive","sentiment_score":0.3596355565720134,"num_words":135,"start":426.595,"end":468.24},{"sentences":[{"text":"Beautiful.","start":468.24,"end":468.74,"sentiment":"positive","sentiment_score":0.551180899143219},{"text":"Now if you go down to page 18, this is where it's got exactly what I wanna do to the the portfolio and the diff and the changes that we wanna make for you.","start":469.28,"end":477.555,"sentiment":"neutral","sentiment_score":0.24149374094079523},{"text":"Okay.","start":477.555,"end":478.055,"sentiment":"neutral","sentiment_score":0.13772135972976685},{"text":"Beautiful.","start":479.715,"end":480.215,"sentiment":"positive","sentiment_score":0.4322472810745239},{"text":"Should have the red heading investments there.","start":482.515,"end":484.595,"sentiment":"neutral","sentiment_score":0.18288085183926991}],"sentiment":"neutral","sentiment_score":0.24118415215475994,"num_words":44,"start":468.24,"end":484.595},{"sentences":[{"text":"Can you see that one?","start":484.595,"end":485.89502,"sentiment":"neutral","sentiment_score":0.04801616743206978},{"text":"Yeah.","start":486.435,"end":486.83502,"sentiment":"neutral","sentiment_score":0.186638742685318},{"text":"All good.","start":486.83502,"end":487.575,"sentiment":"positive","sentiment_score":0.5340951681137085},{"text":"Beautiful.","start":487.96,"end":488.12,"sentiment":"positive","sentiment_score":0.5056679248809814},{"text":"So the main one to sort of look at is that column with the red and green.","start":488.12,"end":491.0,"sentiment":"neutral","sentiment_score":0.10324777136830722}],"sentiment":"neutral","sentiment_score":0.1444534597775111,"num_words":26,"start":484.595,"end":491.0},{"sentences":[{"text":"They're showing the buyers and sales.","start":491.0,"end":492.59998,"sentiment":"neutral","sentiment_score":0.08973970636725426},{"text":"So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification.","start":492.59998,"end":507.085,"sentiment":"neutral","sentiment_score":0.05210713817263549},{"text":"You're also removing the ban along Australian equities.","start":508.185,"end":510.505,"sentiment":"neutral","sentiment_score":-0.08378257276490331},{"text":"That investment has been underperforming.","start":510.505,"end":512.125,"sentiment":"neutral","sentiment_score":-0.3295123279094696},{"text":"So as we went through, we wanna get rid of that out of your portfolio and move that ASAP for you.","start":512.265,"end":517.485,"sentiment":"neutral","sentiment_score":-0.010403257395539964}],"sentiment":"neutral","sentiment_score":0.008213182090110677,"num_words":93,"start":491.0,"end":517.485},{"sentences":[{"text":"We've got here the bank hybrids.","start":518.24,"end":520.02,"sentiment":"neutral","sentiment_score":0.06735551978151004},{"text":"Those investments are more defensive in nature, but they are being phased out in the future by the government as well.","start":520.08,"end":525.52,"sentiment":"neutral","sentiment_score":0.05944106310960792},{"text":"So whilst we're making changes now, we may as well remove it from your portfolio as well rather than holding them for the next two years and having to remove them at the last minute then for you.","start":525.52,"end":534.735,"sentiment":"neutral","sentiment_score":-0.11753061913738125},{"text":"Okay?","start":534.735,"end":535.235,"sentiment":"neutral","sentiment_score":0.02252308651804924},{"text":"Physical gold, at the moment, you've got about 7% in there.","start":536.495,"end":539.775,"sentiment":"neutral","sentiment_score":0.03944227590479634}],"sentiment":"neutral","sentiment_score":-0.03061532417868639,"num_words":77,"start":518.24,"end":539.775},{"sentences":[{"text":"It's over 7%.","start":539.775,"end":541.075,"sentiment":"neutral","sentiment_score":0.06868116309245427},{"text":"Your portfolio, we wanna hold 10%.","start":541.295,"end":543.42,"sentiment":"neutral","sentiment_score":0.10156664500633876},{"text":"We're buying a bit more physical gold, has done really well, has done very well in your portfolio as a whole.","start":543.42,"end":548.8,"sentiment":"positive","sentiment_score":0.3885346012456076},{"text":"We just need to reweight the portfolio a little bit.","start":549.33997,"end":552.3,"sentiment":"neutral","sentiment_score":-0.05201580636203289},{"text":"Part of this is also making sure we're rebalancing things because, essentially, when your portfolio is out weighted, it means that you could be taking more risk or not taking enough risk, and so you're out weighted against your portfolio, and that can also affect your returns long term as well.","start":552.3,"end":566.63495,"sentiment":"neutral","sentiment_score":-0.08365320813312542}],"sentiment":"neutral","sentiment_score":0.04602415722047726,"num_words":91,"start":539.775,"end":566.63495},{"sentences":[{"text":"So, we're also just rebalancing some of these investments like your physical gold and just purchasing a bit more of that investment for you.","start":566.63495,"end":574.47003,"sentiment":"neutral","sentiment_score":0.08168788688878219},{"text":"Okay?","start":574.47003,"end":574.97003,"sentiment":"neutral","sentiment_score":0.02980263903737068},{"text":"You've got your cybersecurity.","start":576.31,"end":577.69,"sentiment":"neutral","sentiment_score":-0.002350595139432699},{"text":"So this is global cybersecurity.","start":578.15,"end":579.61005,"sentiment":"neutral","sentiment_score":0.000014461204409599305},{"text":"You've got a bit of 7% in there.","start":579.83,"end":581.59,"sentiment":"neutral","sentiment_score":0.0006706323474645615}],"sentiment":"neutral","sentiment_score":0.047293974014575635,"num_words":42,"start":566.63495,"end":581.59},{"sentences":[{"text":"At the moment, we wanna hold 5%, so we're just gonna rebalance that one, sell a little bit off, and just bring it back down to 5%, essentially.","start":581.59,"end":589.885,"sentiment":"neutral","sentiment_score":-0.005433253569728029},{"text":"With getting rid of the bank hybrids, we still wanna hold defensive investments.","start":591.705,"end":596.045,"sentiment":"neutral","sentiment_score":-0.0014131742601211255},{"text":"And in this sort of environment with that growth environment, we wanna hold around about 20% there.","start":596.21,"end":602.05,"sentiment":"neutral","sentiment_score":0.05058124814839924},{"text":"We're gonna buy into 14% of core composite bonds.","start":602.05,"end":604.85,"sentiment":"neutral","sentiment_score":0.11961713598834144},{"text":"This is giving you exposure to both government and corporate bonds and a little bit of bank note exposure across the globe as well.","start":604.85,"end":611.375,"sentiment":"neutral","sentiment_score":0.16961021597186723}],"sentiment":"neutral","sentiment_score":0.06413822264185401,"num_words":91,"start":581.59,"end":611.375},{"sentences":[{"text":"So it is giving you diversification, defensive investments, and it's really good for income producing.","start":611.375,"end":616.595,"sentiment":"positive","sentiment_score":0.38218734264373777},{"text":"Core composite bonds do pay out regular income payments, which gets paid back into your cash account, and that's redistributed back into the portfolio or reinvested back into the portfolio, which helps with the compounding effect long term as well.","start":616.735,"end":629.54004,"sentiment":"neutral","sentiment_score":0.27211868539452555},{"text":"Okay?","start":629.54004,"end":630.04004,"sentiment":"neutral","sentiment_score":0.09870264679193495},{"text":"Excellent.","start":630.82,"end":631.32,"sentiment":"positive","sentiment_score":0.5277165770530701},{"text":"You've also got the S and P 500 in there.","start":632.02,"end":634.42004,"sentiment":"neutral","sentiment_score":0.2013971470296383}],"sentiment":"neutral","sentiment_score":0.2874320634265444,"num_words":67,"start":611.375,"end":634.42004},{"sentences":[{"text":"You've got about 28.40% at the moment.","start":634.42004,"end":637.27496,"sentiment":"neutral","sentiment_score":0.12163363503558296},{"text":"We wanna hold 30%, so we're gonna buy a little bit more of that.","start":637.27496,"end":640.895,"sentiment":"neutral","sentiment_score":0.13181452133825847},{"text":"I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole.","start":640.955,"end":646.575,"sentiment":"neutral","sentiment_score":-0.08541340194642544},{"text":"However, it is still a good place to see returns.","start":646.635,"end":648.955,"sentiment":"positive","sentiment_score":0.48412220031023023},{"text":"We have seen growth.","start":648.955,"end":649.995,"sentiment":"positive","sentiment_score":0.43775560706853867}],"sentiment":"neutral","sentiment_score":0.11587433975006713,"num_words":61,"start":634.42004,"end":649.995},{"sentences":[{"text":"It has been very volatile, but we do realistically see a lot of growth long term out of international equities.","start":649.995,"end":656.73,"sentiment":"neutral","sentiment_score":0.19440700337290764},{"text":"So we do wanna hold some international equities.","start":656.73,"end":659.15,"sentiment":"neutral","sentiment_score":0.12835067603737116},{"text":"The thing I like about the S and P 500 is that you are tracking the top 500 companies in The US.","start":659.53,"end":665.475,"sentiment":"neutral","sentiment_score":0.21943879398432645},{"text":"This can encompass anywhere from 500 to 520 different companies.","start":665.95496,"end":669.875,"sentiment":"neutral","sentiment_score":0.20090672224760056},{"text":"You're tracking the S and P 500 index, and the makers of the index, the investment committee of the index itself actually meet every quarter, and they review what companies meet the criteria.","start":669.875,"end":680.93005,"sentiment":"neutral","sentiment_score":0.17513529978918307}],"sentiment":"neutral","sentiment_score":0.188506785579907,"num_words":93,"start":649.995,"end":680.93005},{"sentences":[{"text":"If a company no longer meets the criteria to be in the S and P 500 index, they are removed out and replaced with other companies as well.","start":681.07,"end":689.23004,"sentiment":"neutral","sentiment_score":0.04207750117140157},{"text":"So you are always tracking the top 500 companies in The US with that investment, and this one sort of follows the suit in in the way of the indices.","start":689.23004,"end":697.685,"sentiment":"neutral","sentiment_score":0.22140631079673767},{"text":"It it makes changes along with the index, essentially.","start":697.685,"end":700.425,"sentiment":"neutral","sentiment_score":0.23873955011367798},{"text":"It's also a very low cost investment to hold, giving you good exposure.","start":700.725,"end":704.105,"sentiment":"positive","sentiment_score":0.37331352554834807},{"text":"Okay?","start":704.485,"end":704.985,"sentiment":"neutral","sentiment_score":0.17734697461128235}],"sentiment":"neutral","sentiment_score":0.18517824832671953,"num_words":81,"start":681.07,"end":704.985},{"sentences":[{"text":"Excellent.","start":705.925,"end":706.425,"sentiment":"positive","sentiment_score":0.5530415773391724},{"text":"We've got the Van Eck property investment in there.","start":707.12,"end":709.27997,"sentiment":"neutral","sentiment_score":0.13925685319635603},{"text":"We are removing that ad.","start":709.27997,"end":710.72,"sentiment":"neutral","sentiment_score":-0.09864001721143723},{"text":"Property has done very well over the last couple of years.","start":710.72,"end":713.2,"sentiment":"neutral","sentiment_score":0.04515575854615732},{"text":"However, with the changes that we are seeing with legislation and property this year, it has taken a bit of a dip, and therefore, it is underperforming slightly.","start":713.2,"end":720.64,"sentiment":"neutral","sentiment_score":-0.2621672382312162}],"sentiment":"neutral","sentiment_score":-0.10242252141513207,"num_words":54,"start":705.925,"end":720.64},{"sentences":[{"text":"So we are removing that out for the time being.","start":720.64,"end":723.005,"sentiment":"neutral","sentiment_score":-0.15932951718568802},{"text":"I think it's a place to watch and maybe put back in at a later time if appropriate.","start":723.005,"end":726.945,"sentiment":"neutral","sentiment_score":0.013433606467313237},{"text":"Okay.","start":727.405,"end":727.905,"sentiment":"neutral","sentiment_score":0.11593358218669891},{"text":"Yep.","start":728.605,"end":729.005,"sentiment":"neutral","sentiment_score":0.2683825194835663},{"text":"Beautiful.","start":729.005,"end":729.505,"sentiment":"positive","sentiment_score":0.640393078327179}],"sentiment":"neutral","sentiment_score":-0.01054132501444509,"num_words":31,"start":720.64,"end":729.505},{"sentences":[{"text":"We've also got the BetaShares Raffy 200.","start":729.805,"end":732.385,"sentiment":"neutral","sentiment_score":0.2506704862628664},{"text":"This is Australian Equities.","start":732.525,"end":733.905,"sentiment":"neutral","sentiment_score":0.11800761707127094},{"text":"We are removing this completely.","start":733.965,"end":735.585,"sentiment":"neutral","sentiment_score":-0.06018318235874176},{"text":"We're removing this and the Bannalong, and we found another way, a lower cost way to hold Australian Equities still while still giving you good diversified exposure into the market.","start":735.95,"end":746.93,"sentiment":"neutral","sentiment_score":0.2720767989133795},{"text":"Okay?","start":747.23,"end":747.73,"sentiment":"neutral","sentiment_score":0.09480145573616028}],"sentiment":"neutral","sentiment_score":0.2166577315631699,"num_words":47,"start":729.805,"end":747.73},{"sentences":[{"text":"So bottom one, the BetaShares a 200.","start":750.17505,"end":752.59503,"sentiment":"neutral","sentiment_score":0.07646157379661288},{"text":"This one here is a low cost passive investment.","start":752.73505,"end":755.955,"sentiment":"neutral","sentiment_score":0.2642049507962333},{"text":"It's tracking the top 200 companies on the ASX.","start":756.255,"end":759.315,"sentiment":"positive","sentiment_score":0.39142899711926776},{"text":"It's actually cheaper than the other two, performed much better, and it's actually one of the highest dividend paying Australian, 200 investment options available on the market.","start":759.935,"end":770.13,"sentiment":"positive","sentiment_score":0.5908057755894132},{"text":"So I like it for its dividends.","start":770.13,"end":771.99,"sentiment":"positive","sentiment_score":0.8093538369451251}],"sentiment":"positive","sentiment_score":0.47547744656518354,"num_words":59,"start":750.17505,"end":771.99},{"sentences":[{"text":"I like that it's low cost.","start":772.05,"end":773.25,"sentiment":"positive","sentiment_score":0.8398123383522034},{"text":"It's saving you money, and it's also giving you a good exposure into the top 200 companies on the ASX, which is a positive.","start":773.25,"end":780.305,"sentiment":"positive","sentiment_score":0.7600312928358713},{"text":"So this one here pays better dividends.","start":785.88495,"end":787.745,"sentiment":"neutral","sentiment_score":0.18710353757653916},{"text":"It's much cheaper.","start":787.88495,"end":788.865,"sentiment":"neutral","sentiment_score":0.25106409192085266},{"text":"And the Raffi has some mid cap stocks in it as well, so it has higher risk of underperformance.","start":789.40497,"end":794.14,"sentiment":"neutral","sentiment_score":0.059918037174563656}],"sentiment":"positive","sentiment_score":0.44883025090320633,"num_words":59,"start":772.05,"end":794.14},{"sentences":[{"text":"So the bet it says a 200 is a much better investment to hold, and it pays much better dividends as well, which is kinda what we wanna also generate for your portfolio.","start":794.52,"end":803.715,"sentiment":"neutral","sentiment_score":0.2068465625246366},{"text":"Yeah.","start":804.015,"end":804.515,"sentiment":"neutral","sentiment_score":0.10562029480934144},{"text":"Yeah.","start":805.295,"end":805.695,"sentiment":"neutral","sentiment_score":0.10049653053283691},{"text":"That's okay.","start":805.695,"end":806.435,"sentiment":"neutral","sentiment_score":0.12397091463208199},{"text":"You've also got the iShares Europe in there.","start":806.895,"end":809.135,"sentiment":"neutral","sentiment_score":0.08394123194739223}],"sentiment":"neutral","sentiment_score":0.17670055718885527,"num_words":45,"start":794.52,"end":809.135},{"sentences":[{"text":"That is the fourth one from the bottom.","start":809.135,"end":811.235,"sentiment":"neutral","sentiment_score":0.08733748458325863},{"text":"That is giving you exposure to the all 16 European countries.","start":811.535,"end":814.815,"sentiment":"neutral","sentiment_score":0.10553637485612523},{"text":"We wanna hold 8% of that investment.","start":814.815,"end":817.135,"sentiment":"neutral","sentiment_score":0.12682344338723592},{"text":"So, again, diversifying.","start":817.135,"end":818.55,"sentiment":"neutral","sentiment_score":0.13351001838843027},{"text":"And whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible.","start":818.77,"end":827.17004,"sentiment":"neutral","sentiment_score":0.09480211610595385}],"sentiment":"neutral","sentiment_score":0.10155860410403397,"num_words":59,"start":809.135,"end":827.17004},{"sentences":[{"text":"We can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible.","start":827.17004,"end":834.105,"sentiment":"neutral","sentiment_score":0.06080928952856497},{"text":"And the best way we have to do that is diversification.","start":834.105,"end":836.605,"sentiment":"neutral","sentiment_score":0.17254193262620407},{"text":"So spreading your risk level a lot across different industries, different asset classes, and different countries there as well.","start":836.985,"end":843.385,"sentiment":"neutral","sentiment_score":0.14001509076670596},{"text":"And these sorts of investors definitely help us to do that.","start":843.385,"end":846.265,"sentiment":"neutral","sentiment_score":0.22684615714983505},{"text":"This is opening you up to the entire European market, which is great.","start":846.265,"end":850.42,"sentiment":"positive","sentiment_score":0.5414550831684699}],"sentiment":"neutral","sentiment_score":0.2030299495121366,"num_words":76,"start":827.17004,"end":850.42},{"sentences":[{"text":"We wanna hold eight percent of this investment there for you.","start":850.56,"end":853.62,"sentiment":"neutral","sentiment_score":0.24599785831841556},{"text":"And then underneath that, you've also got the Japanese one.","start":853.75995,"end":856.48,"sentiment":"neutral","sentiment_score":0.08023895099759101},{"text":"So we wanna hold from Japan.","start":856.48,"end":857.92,"sentiment":"neutral","sentiment_score":0.0772424153983593},{"text":"Japan has been very good.","start":857.92,"end":859.36,"sentiment":"positive","sentiment_score":0.5980414748191833},{"text":"We've seen some really great growth there in recent months.","start":859.36,"end":862.01996,"sentiment":"positive","sentiment_score":0.5962397575378418}],"sentiment":"neutral","sentiment_score":0.30772441412721363,"num_words":42,"start":850.56,"end":862.01996},{"sentences":[{"text":"And when you think about what happened this year with the fuel crisis that we never actually eventuated, Japan had actually prepared very well for that.","start":862.115,"end":870.45496,"sentiment":"neutral","sentiment_score":0.14650119826770747},{"text":"They had more fuel than most countries did for their for their, you know, residents, and they have prepared very, very well for that.","start":870.51495,"end":878.95,"sentiment":"positive","sentiment_score":0.39425501599907875},{"text":"So they are very good.","start":878.95,"end":880.31,"sentiment":"positive","sentiment_score":0.6937310099601746},{"text":"They have seen really good growth, and we do sort of expect really good things for them.","start":880.31,"end":884.31,"sentiment":"positive","sentiment_score":0.7189746464000029},{"text":"The other side of it is China used to be a really good partner for a lot of trade.","start":884.31,"end":888.33,"sentiment":"neutral","sentiment_score":0.06346752729855086}],"sentiment":"neutral","sentiment_score":0.3315193252330953,"num_words":91,"start":862.115,"end":888.33},{"sentences":[{"text":"There is still very high tensions with China out there, so we are finding a lot of people are moving into more other markets, and Japan seems to be one of those that's taking an attachment.","start":888.645,"end":897.705,"sentiment":"neutral","sentiment_score":-0.054769597171495356},{"text":"Yeah.","start":899.60504,"end":900.10504,"sentiment":"neutral","sentiment_score":0.05551408603787422},{"text":"We've also then got the Vanguard All World x US investment.","start":900.405,"end":903.83997,"sentiment":"neutral","sentiment_score":0.101649517362768},{"text":"So this is giving you access and exposure to the entire globe, essentially.","start":903.83997,"end":907.77997,"sentiment":"neutral","sentiment_score":0.16632703061287218},{"text":"It's giving you good diversification.","start":908.39996,"end":909.86,"sentiment":"neutral","sentiment_score":0.2707913815975189}],"sentiment":"neutral","sentiment_score":0.041184266436506405,"num_words":66,"start":888.645,"end":909.86},{"sentences":[{"text":"It doesn't hold The US Of A, and that's because we have the S and P 500 above it.","start":910.24,"end":914.8,"sentiment":"neutral","sentiment_score":0.05411320699280814},{"text":"So we don't really need that US exposure.","start":914.8,"end":916.74,"sentiment":"neutral","sentiment_score":-0.0045312270522117615},{"text":"However, it is opening up diversification into the rest of the globe, which is great.","start":917.77496,"end":921.77496,"sentiment":"positive","sentiment_score":0.4042331000169118},{"text":"That's what we wanna see.","start":921.77496,"end":922.65497,"sentiment":"positive","sentiment_score":0.3721744894981384},{"text":"We wanna see low cost investments, good dividend producing, and making sure to diversify as much as possible.","start":922.65497,"end":928.515,"sentiment":"positive","sentiment_score":0.39902034898598987}],"sentiment":"neutral","sentiment_score":0.24767132839904382,"num_words":65,"start":910.24,"end":928.515},{"sentences":[{"text":"And we wanna hold 8% of this investment.","start":928.65497,"end":930.895,"sentiment":"neutral","sentiment_score":0.2890053391456604},{"text":"It has done very well over the last couple of years.","start":930.895,"end":933.06,"sentiment":"positive","sentiment_score":0.551180135120045},{"text":"We wanna sort of see it continue to do so.","start":933.06,"end":935.64,"sentiment":"positive","sentiment_score":0.367626941204071},{"text":"So, essentially, that's we'll we'll put that into your portfolio there as well.","start":936.10004,"end":940.12,"sentiment":"neutral","sentiment_score":0.20169749855995178},{"text":"Once we've kinda made the switch, at the end of it, you'll see in the last two columns where you should see your funds.","start":940.82,"end":946.405,"sentiment":"neutral","sentiment_score":0.07214857209085797}],"sentiment":"neutral","sentiment_score":0.24855949731797658,"num_words":66,"start":928.65497,"end":946.405},{"sentences":[{"text":"So you'll see 10% in physical gold, 5% in cybersecurity, 14% in physical in core gold composite bonds, 30 percent in the S and P 500.","start":946.405,"end":956.505,"sentiment":"neutral","sentiment_score":0.13340922788931772},{"text":"We'll see 8% in Europe, 5% in Japan, 8% with the all world ex US Vanguard investment, and 20% is sitting in the Australian equity side of things as well.","start":956.645,"end":966.86,"sentiment":"neutral","sentiment_score":0.17194498454531035},{"text":"So that's essentially the switches I wanna make.","start":966.86,"end":969.57996,"sentiment":"neutral","sentiment_score":0.24918737076222897},{"text":"I do like that it stays on CGT.","start":969.57996,"end":971.44,"sentiment":"positive","sentiment_score":0.5427043586969376},{"text":"It's only a bit over $200 CGT cost for your super fund to sort of quantify.","start":971.98,"end":976.56,"sentiment":"positive","sentiment_score":0.4545028619468212}],"sentiment":"neutral","sentiment_score":0.2526610123670914,"num_words":88,"start":946.405,"end":976.56},{"sentences":[{"text":"That means there's less money coming off your balance to be able to complete the switch, and reducing the cost of the investments means more money stays in your portfolio for longer.","start":977.04504,"end":986.34503,"sentiment":"positive","sentiment_score":0.5619475124403834},{"text":"And then having a better past performance shows that if this investments can perform the way they have over the past five years, given the last five years worth of market conditions, it could put you in a much better position moving forward, which is what we wanna see.","start":986.405,"end":1000.86005,"sentiment":"positive","sentiment_score":0.5334054164740504},{"text":"Does that make sense?","start":1000.86005,"end":1001.82,"sentiment":"neutral","sentiment_score":0.11700893752276897},{"text":"Do you have any questions at all?","start":1001.82,"end":1003.905,"sentiment":"neutral","sentiment_score":0.029890205711126328},{"text":"Yeah.","start":1005.66504,"end":1006.16504,"sentiment":"neutral","sentiment_score":0.2387695908546448}],"sentiment":"positive","sentiment_score":0.4842497052284338,"num_words":93,"start":977.04504,"end":1006.16504},{"sentences":[{"text":"Beautiful.","start":1006.385,"end":1006.885,"sentiment":"positive","sentiment_score":0.3847891092300415},{"text":"That's essentially all I really needed to go through, which is showing you the investments going through the advantages, disadvantages, the risk side of things there as I have.","start":1007.825,"end":1017.04504,"sentiment":"neutral","sentiment_score":0.10910961635667703},{"text":"We've outlined a lot more around the advantages, disadvantages, the risks.","start":1017.10504,"end":1020.82,"sentiment":"neutral","sentiment_score":0.06867795217443597},{"text":"I've also got a best interest, Judy, noted on the recommendations for you if you wanna read through that as well.","start":1020.82,"end":1025.64,"sentiment":"neutral","sentiment_score":0.16173732316210157},{"text":"It relates it back to your goals and sort of goes through why we have made the recommendations we have.","start":1025.7,"end":1030.44,"sentiment":"neutral","sentiment_score":0.16364680826663972}],"sentiment":"neutral","sentiment_score":0.1338273830393829,"num_words":82,"start":1006.385,"end":1030.44},{"sentences":[{"text":"And then below that, we've also got that beneficiary side of things.","start":1030.915,"end":1033.875,"sentiment":"neutral","sentiment_score":0.13270308201511702},{"text":"So it's just a bit more about recommending that you do speak to a solicitor and have a will drawn up for yourself and your family and also powers of attorney, and it's got advantages, disadvantages, and risks around those sorts of things for you as well.","start":1033.875,"end":1046.78,"sentiment":"neutral","sentiment_score":0.08310494306398199},{"text":"Okay?","start":1047.24,"end":1047.74,"sentiment":"neutral","sentiment_score":0.12470969557762146},{"text":"Easy.","start":1048.68,"end":1049.18,"sentiment":"neutral","sentiment_score":0.15285582840442655},{"text":"Is there any questions that have come up in any of that?","start":1049.3201,"end":1052.14,"sentiment":"neutral","sentiment_score":0.0703364284709096}],"sentiment":"neutral","sentiment_score":0.09068454758659618,"num_words":73,"start":1030.915,"end":1052.14},{"sentences":[{"text":"Yeah.","start":1055.16,"end":1055.48,"sentiment":"positive","sentiment_score":0.36919331550598145},{"text":"Thank you.","start":1055.48,"end":1056.04,"sentiment":"positive","sentiment_score":0.669847160577774},{"text":"I enjoy what I do.","start":1056.04,"end":1057.16,"sentiment":"positive","sentiment_score":0.7373650431632995},{"text":"I really appreciate the opportunity to do this for you.","start":1057.16,"end":1059.16,"sentiment":"positive","sentiment_score":0.756998285651207},{"text":"I just wanna make sure your super works harder for you.","start":1059.16,"end":1061.685,"sentiment":"neutral","sentiment_score":0.21495159715414047}],"sentiment":"positive","sentiment_score":0.5286263199201946,"num_words":29,"start":1055.16,"end":1061.685},{"sentences":[{"text":"I do want to allow you the chance to go back and have a read through the document as well.","start":1062.005,"end":1066.4851,"sentiment":"neutral","sentiment_score":0.2270637907087803},{"text":"If you do find you have additional questions, please come back and let me know.","start":1066.4851,"end":1069.8451,"sentiment":"neutral","sentiment_score":0.14063195089499156},{"text":"It's absolutely fine.","start":1069.8451,"end":1071.045,"sentiment":"positive","sentiment_score":0.6134549379348755},{"text":"I love the questions.","start":1071.045,"end":1072.005,"sentiment":"positive","sentiment_score":0.8106275796890259},{"text":"I think it's important that you're allowed to ask questions.","start":1072.005,"end":1074.885,"sentiment":"positive","sentiment_score":0.548020651936531}],"sentiment":"neutral","sentiment_score":0.33103532172166383,"num_words":52,"start":1062.005,"end":1074.885},{"sentences":[{"text":"And part of what I love about my job is the educational value as well, not just how you're saying, I'm gonna do this, but this is why I'm doing this.","start":1074.885,"end":1081.59,"sentiment":"positive","sentiment_score":0.5803783689775774},{"text":"This is how this can help you.","start":1081.59,"end":1083.27,"sentiment":"positive","sentiment_score":0.6639295646122524},{"text":"Because at the end of the day, I wanna make sure you get to retirement and are able to draw your income and live the life that you've worked so hard for.","start":1083.27,"end":1090.875,"sentiment":"neutral","sentiment_score":0.32386191841214895},{"text":"You've worked way too hard to lose everything now, so it's really important.","start":1090.875,"end":1094.975,"sentiment":"neutral","sentiment_score":-0.04337644577026367},{"text":"Yeah.","start":1095.515,"end":1095.995,"sentiment":"neutral","sentiment_score":0.2814871072769165}],"sentiment":"positive","sentiment_score":0.3895287034767015,"num_words":84,"start":1074.885,"end":1095.995},{"sentences":[{"text":"All good.","start":1095.995,"end":1096.735,"sentiment":"positive","sentiment_score":0.37728092074394226},{"text":"That is basically everything.","start":1097.355,"end":1098.895,"sentiment":"neutral","sentiment_score":0.28693240135908127},{"text":"I'll leave you to to have a good afternoon and read through that.","start":1099.515,"end":1102.635,"sentiment":"neutral","sentiment_score":0.28743531612249523},{"text":"If you are happy to proceed with the recommendations, I'll just need to sign the document, return it back to me, and my team will have it implemented.","start":1102.635,"end":1109.39,"sentiment":"neutral","sentiment_score":0.26388639956712723},{"text":"And then as to our last chat in the annual review, I wanna make sure we do a six month catch up with you.","start":1110.17,"end":1115.45,"sentiment":"neutral","sentiment_score":0.08390511944890022}],"sentiment":"neutral","sentiment_score":0.21185200860802555,"num_words":71,"start":1095.995,"end":1115.45},{"sentences":[{"text":"Would you like a catch up prior to six months, or do you still feel like six months is okay?","start":1115.45,"end":1119.7051,"sentiment":"neutral","sentiment_score":0.02493400312960148},{"text":"Oh, yeah?","start":1128.3251,"end":1128.81,"sentiment":"neutral","sentiment_score":-0.005446398165076971},{"text":"Yeah.","start":1129.6101,"end":1129.93,"sentiment":"neutral","sentiment_score":0.014449254609644411},{"text":"Yeah.","start":1129.93,"end":1130.17,"sentiment":"neutral","sentiment_score":0.02057923749089241},{"text":"Absolutely.","start":1130.17,"end":1130.67,"sentiment":"neutral","sentiment_score":0.07586703449487686}],"sentiment":"neutral","sentiment_score":0.023947311714291573,"num_words":25,"start":1115.45,"end":1130.67},{"sentences":[{"text":"Well yeah.","start":1130.89,"end":1135.13,"sentiment":"neutral","sentiment_score":0.061129121109843254},{"text":"No worries.","start":1135.13,"end":1135.6101,"sentiment":"neutral","sentiment_score":0.09578051790595055},{"text":"What I'll do is I'll jump in.","start":1135.6101,"end":1136.81,"sentiment":"neutral","sentiment_score":0.10460443581853594},{"text":"I'll have a little bit of a look over the next few months towards Christmas and see if there's any kind of reason to touch base.","start":1136.81,"end":1142.055,"sentiment":"neutral","sentiment_score":0.08472911555033463},{"text":"If there's not, my team will give you a call in about six months' time, and we'll jump in and have a bit of a catch up then.","start":1142.535,"end":1148.6151,"sentiment":"neutral","sentiment_score":0.08969589668725218}],"sentiment":"neutral","sentiment_score":0.08862296062020156,"num_words":65,"start":1130.89,"end":1148.6151},{"sentences":[{"text":"How does that sound?","start":1148.6151,"end":1149.5951,"sentiment":"neutral","sentiment_score":0.10437203571200371},{"text":"Yeah.","start":1150.935,"end":1151.255,"sentiment":"positive","sentiment_score":0.7274587750434875},{"text":"Beautiful.","start":1151.255,"end":1151.655,"sentiment":"positive","sentiment_score":0.7766216397285461},{"text":"In the meantime, if you find something concerning you and you do wanna have a bit more of a touch base, you just let me know.","start":1151.655,"end":1157.39,"sentiment":"neutral","sentiment_score":0.18735267508488435},{"text":"My team will absolutely book you in, and we can always touch base.","start":1157.39,"end":1160.51,"sentiment":"positive","sentiment_score":0.41620901914743275}],"sentiment":"neutral","sentiment_score":0.2711878968609704,"num_words":45,"start":1148.6151,"end":1160.51},{"sentences":[{"text":"If they've got like, if they if you call in and just wanna have a quick chat, they'll also see if I'm available, and I'll happily take the call off the cuff if if if I'm not on the phone as well.","start":1160.51,"end":1169.39,"sentiment":"neutral","sentiment_score":0.09804076073868644},{"text":"So, yeah.","start":1169.39,"end":1171.265,"sentiment":"neutral","sentiment_score":0.01058277813717723},{"text":"Easy.","start":1171.4851,"end":1171.9851,"sentiment":"neutral","sentiment_score":0.20920631289482117},{"text":"Beautiful.","start":1172.285,"end":1172.785,"sentiment":"positive","sentiment_score":0.623403012752533},{"text":"Well, thank that's okay.","start":1172.8451,"end":1174.3651,"sentiment":"positive","sentiment_score":0.5221424847841263}],"sentiment":"neutral","sentiment_score":0.14120113544166088,"num_words":50,"start":1160.51,"end":1174.3651},{"sentences":[{"text":"Thank you so much for taking my call.","start":1174.3651,"end":1175.9651,"sentiment":"positive","sentiment_score":0.8077539727091789},{"text":"I hope you have a lovely afternoon and get to relax.","start":1175.9651,"end":1178.545,"sentiment":"positive","sentiment_score":0.7625718170946295},{"text":"Thank you.","start":1181.391,"end":1181.871,"sentiment":"positive","sentiment_score":0.6055141091346741},{"text":"I'll talk to you soon.","start":1181.871,"end":1182.751,"sentiment":"positive","sentiment_score":0.3859295129776001},{"text":"See you later, Travis.","start":1182.751,"end":1183.811,"sentiment":"neutral","sentiment_score":0.31337540596723557}],"sentiment":"positive","sentiment_score":0.6414833058913548,"num_words":30,"start":1174.3651,"end":1183.811},{"sentences":[{"text":"Bye.","start":1184.351,"end":1184.851,"sentiment":"neutral","sentiment_score":-0.10367413610219955}],"sentiment":"neutral","sentiment_score":-0.10367413610219955,"num_words":1,"start":1184.351,"end":1184.851}]}}]},{"alternatives":[{"transcript":"Hey. How are you going? Yep. No. I'm at home. All good. Yeah. Yeah. That's alright. Perfect. So I'm just opening your email now. Find document. Sure. Okay. Sure. Okay. Yeah. That's fine. Yep. Travis Roy, June 21, 85, And 11 Wilkins Crescent Drawn. Yep. Yep. Got that open. Okay. Yep. Yep. No. That sounds good. I have received it. I don't think I've actually gone through it yet. Yeah. That's fine. Okay. Okay. Yep. Yep. Okay. 30 two. Yep. So you will also assist in all duties? Sorry. I'll take that again. Gotcha. 12. Gotcha. Done. Yeah. Okay. Okay. So what are we actually switching to? Sorry. Okay. So it pays the same? Yes. Yep. One. Yeah. Yeah. Okay. Yep. Yeah. I'm on. Yep. That's fine. Yep. Yes. Sure. Okay. Okay. Okay. Still. Yeah. Okay. Yep. Sure. Okay. Yeah. Yeah. Definitely. Okay. What's the other way you found? Sure. Okay. Okay. So what's the actual difference between the BetaShares Rafi and the BetaShares Australia? Okay. Cool. Yeah. Yep. Yep. Yep. Sure. Yeah. Yep. Okay. Sure. Okay. Yep. Okay. No. It sounds really good. Okay. Yep. No. That that you've explained it really well. Yeah. Yeah. Gotcha. No. Awesome. Yep. I suppose it's whatever happens in the in the market. If the market's a bit more volatile, we might need to schedule six months or less. But, yeah, if the market's a fairly stable, then I think, yeah, six months would be fine. Yep. Yes. Fantastic. Yep. Yeah. It's not open. Oh, thanks, Anna. No. Thank you very much. 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How are you going? Yep. No. I'm at home.\n\nAll good. Yeah. Yeah. That's alright. Perfect.\n\nSo I'm just opening your email now. Find document. Sure. Okay. Sure.\n\nOkay. Yeah. That's fine. Yep. Travis Roy, June 21, 85, And 11 Wilkins Crescent Drawn.\n\nYep. Yep. Got that open. Okay. Yep.\n\nYep. No. That sounds good. I have received it. I don't think I've actually gone through it yet.\n\nYeah. That's fine. Okay. Okay. Yep.\n\nYep. Okay. 30 two. Yep. So you will also assist in all duties?\n\nSorry. I'll take that again. Gotcha. 12. Gotcha.\n\nDone. Yeah. Okay. Okay. So what are we actually switching to?\n\nSorry. Okay. So it pays the same? Yes. Yep.\n\nOne. Yeah. Yeah. Okay. Yep.\n\nYeah. I'm on. Yep. That's fine. Yep.\n\nYes. Sure. Okay. Okay. Okay.\n\nStill. Yeah. Okay. Yep. Sure.\n\nOkay. Yeah. Yeah. Definitely. Okay.\n\nWhat's the other way you found? Sure. Okay. Okay. So what's the actual difference between the BetaShares Rafi and the BetaShares Australia?\n\nOkay. Cool. Yeah. Yep. Yep.\n\nYep. Sure. Yeah. Yep. Okay.\n\nSure. Okay. Yep. Okay. No.\n\nIt sounds really good. Okay. Yep. No. That that you've explained it really well.\n\nYeah. Yeah. Gotcha. No. Awesome.\n\nYep. I suppose it's whatever happens in the in the market. If the market's a bit more volatile, we might need to schedule six months or less. But, yeah, if the market's a fairly stable, then I think, yeah, six months would be fine. Yep.\n\nYes. Fantastic. Yep. Yeah. It's not open.\n\nOh, thanks, Anna. No. Thank you very much. You too.","paragraphs":[{"sentences":[{"text":"Hey.","start":1.92,"end":2.08,"sentiment":"neutral","sentiment_score":0.19636401534080505},{"text":"How are you going?","start":2.08,"end":2.82,"sentiment":"neutral","sentiment_score":0.24768370762467384},{"text":"Yep.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.12340296804904938},{"text":"No.","start":6.48,"end":6.72,"sentiment":"neutral","sentiment_score":0.0099070705473423},{"text":"I'm at home.","start":6.72,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.04837005709608396}],"sentiment":"neutral","sentiment_score":0.1465519055724144,"num_words":10,"start":1.92,"end":7.2799997},{"sentences":[{"text":"All 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21, 85, And 11 Wilkins Crescent Drawn.","start":73.174995,"end":77.595,"sentiment":"neutral","sentiment_score":0.042576592043042184}],"sentiment":"neutral","sentiment_score":0.08397657598058382,"num_words":15,"start":52.425,"end":77.595},{"sentences":[{"text":"Yep.","start":87.399994,"end":87.899994,"sentiment":"neutral","sentiment_score":0.05117015540599823},{"text":"Yep.","start":88.04,"end":88.439995,"sentiment":"neutral","sentiment_score":0.0710136666893959},{"text":"Got that 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the other way you found?","start":747.97003,"end":749.35,"sentiment":"neutral","sentiment_score":0.05434447961548964},{"text":"Sure.","start":752.21,"end":752.71,"sentiment":"neutral","sentiment_score":0.20195633172988892},{"text":"Okay.","start":753.09,"end":753.59,"sentiment":"neutral","sentiment_score":0.3092566132545471},{"text":"Okay.","start":780.66,"end":780.98,"sentiment":"neutral","sentiment_score":0.1235627382993698},{"text":"So what's the actual difference between the BetaShares Rafi and the BetaShares 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sounds really good.","start":1004.325,"end":1005.465,"sentiment":"neutral","sentiment_score":0.22199411317706108},{"text":"Okay.","start":1043.34,"end":1043.84,"sentiment":"neutral","sentiment_score":0.007569093257188797},{"text":"Yep.","start":1044.22,"end":1044.72,"sentiment":"neutral","sentiment_score":0.033545877784490585},{"text":"No.","start":1052.94,"end":1053.1799,"sentiment":"neutral","sentiment_score":0.004076357930898666},{"text":"That that you've explained it really 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suppose it's whatever happens in the in the market.","start":1121.8099,"end":1124.21,"sentiment":"neutral","sentiment_score":-0.013044319441542029},{"text":"If the market's a bit more volatile, we might need to schedule six months or less.","start":1124.21,"end":1129.11,"sentiment":"neutral","sentiment_score":-0.027663231012411416},{"text":"But, yeah, if the market's a fairly stable, then I think, yeah, six months would be 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How are you going?\n\nChannel 0: Hey, Travis. Is now a better time there for you?\n\nChannel 1: Yep. No. I'm at home. All good.\n\nChannel 0: Oh, fantastic. I thought if you're nearly home, you may as well finish getting there rather than sitting on the side of the road. You may as well be comfortable.\n\nChannel 1: Yeah. Yeah. That's alright. Perfect. So\n\nChannel 0: No.\n\nChannel 1: I'm just\n\nChannel 0: All\n\nChannel 1: opening\n\nChannel 0: good.\n\nChannel 1: your email now.\n\nChannel 0: Legend. So when you open that one there, you'll see it has a button that says click to start or sign. If you can click\n\nChannel 1: Find\n\nChannel 0: on\n\nChannel 1: document.\n\nChannel 0: that button, it'll, yeah, it'll take you forward so you can view the document. I will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything. Okay.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Excellent. So how to kinda give you a run through how we sort of do things is we do the annual review first, and then we provide the advice to make the recommendations, and then you get to decide what you're comfortable taking. Okay.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Excellent. Perfect. Now before I do kinda go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And I'll just do a quick security check there for you as well before I discuss your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Travis Roy, June 21,\n\nChannel 0: Yep.\n\nChannel 1: 85, And 11 Wilkins Crescent Drawn.\n\nChannel 0: Beautiful. Thank you so much for that. So when you can see the document, it should say statement of advice prepared for yourself as of yesterday's date. Can you see\n\nChannel 1: Yep.\n\nChannel 0: that?\n\nChannel 1: Yep. Got that open.\n\nChannel 0: Beautiful. Excellent. On the bottom that it has there, my authorized representative details. So the document has been prepared by myself and my team here, and my license number registered with ASIC is 1304394. Okay?\n\nChannel 1: Okay.\n\nChannel 0: I will skip a couple of pages because you do gonna get to go back and have a read through it as well just to sort of touch on the errors that I need to today for you. With if you can scroll down for me to page number three, this is called the scope of the advice.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So we're looking at superannuation essentially. So you were hoping to be able to retire around about the age of 60 there. We've\n\nChannel 1: Yep.\n\nChannel 0: talked about some underperforming investments, addressing those, and making some changes to your portfolio to make sure that it is working a little bit harder for you, and then making sure we catch up in six months' time to sort of see how things are tracking and look at whether any additional changes need to be made as well. Does that still sound appropriate? Do you have any changes that you would wanna make to that at all?\n\nChannel 1: No. That sounds good.\n\nChannel 0: No. Beautiful. I've also included the state planning side of things underneath that. Essentially, your beneficiary nomination on hub is and Clearview is appropriate. It meets your needs.\n\nHowever, I do scoping this just to sort of make sure we're recommending that you do seek the services of a solicitor to your upwells and power of attorneys and review those on a regular basis as well just to make sure everything else is up to date. And I remember I sent through the email just with a bit more information there. Did you happen to receive that email at all?\n\nChannel 1: I have received it. I don't think I've actually\n\nChannel 0: Yep.\n\nChannel 1: gone through it yet.\n\nChannel 0: No. That's okay. It was a bit long, so I completely understand. No need\n\nChannel 1: Yeah.\n\nChannel 0: to worry.\n\nChannel 1: That's fine.\n\nChannel 0: Excellent. On the next page there, we got the insurances. So you were happy with the level of cover that you do have at the moment. We're not reviewing that currently. However, we'll make sure to review that down the track.\n\nSo at the moment, I've scoped it into a limited scope. It's about noting that your insurances are paid out of super, so we have to scope it into the advice to make sure that is reflective of any projections that we do. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. On the next page, we've got areas that we're not looking at. So we're not looking at debt or cash flow around at the moment. Any additional advice that you do require, we can provide down the track. So this is just about getting your super working a bit harder and replacing some underperforming investments and looking at what we can do to update the portfolio for you.\n\nOkay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. If I can get you to scroll down for me just to page number 12, this is just taking you through those recommendations, and I'll scroll through these next couple of pages and take you through those sections.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. You can\n\nChannel 1: Okay.\n\nChannel 0: see that\n\nChannel 1: 30\n\nChannel 0: page\n\nChannel 1: two.\n\nChannel 0: there?\n\nChannel 1: Yep. So you will also assist in all duties?\n\nChannel 0: No. It's the page number 12. It should have the heading\n\nChannel 1: Sorry.\n\nChannel 0: strategy\n\nChannel 1: I'll take\n\nChannel 0: recommendations.\n\nChannel 1: that again. Gotcha.\n\nChannel 0: No. You're fine. You're fine.\n\nChannel 1: 12. Gotcha. Done.\n\nChannel 0: Mhmm. Beautiful. So this one here is recommending that you do retain hub twenty four as part of reviewing your super and the investments. I did go back and have a look at the platform as well as all the other platforms out there. It's about doing doing our research and making sure that the recommendations are appropriate and within your best interest.\n\nBut Hub twenty four is still an appropriate platform. There's still nothing wrong with it. It is still good. It does hold over 1,100 different investments, so so we are able to alter the portfolio to make sure it's working harder for you, which is great. Essentially, I did look at switching to another portfolio out or another super fund.\n\nAnd one thing I do take into consideration is the CGT consequences because just like you do a tax return every year, so this is super fund. If we had a look at selling all the investment down and moving to a new platform, it would have cemented or triggered CGT consequences of a little over $1,800 there. So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost. So that\n\nChannel 1: Yeah.\n\nChannel 0: all reflects on your balance. So it's about making sure that things are working harder for you, but that we're not having the Superfund pay huge amounts of tax as well because that reflects in your balance, and you've gotta make that money back. Essentially so remaining in Hub 24 is appropriate. I'll take you through the investment switch on what I'm recommending there for you and just continuing to make sure your super contributions go into Hub 24 as appropriate as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: If you can scroll down for me just to page number 15 sorry. 16. I'll take you through a little bit more around why I've made the recommendations I have.\n\nChannel 1: Okay. So what are we actually switching to? Sorry.\n\nChannel 0: Two? I'll show you. You're I'll show you in a second.\n\nChannel 1: Okay. So\n\nChannel 0: Yeah.\n\nChannel 1: it pays the same?\n\nChannel 0: Page number 16.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. One.\n\nChannel 0: Beautiful. So when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences. As I kinda mentioned, your super fund pays CGT. It does it it pays income tax and capital gains tax every year. In order to switch the investments, I was able to reduce the CGT costs down to $245.\n\nThat's the expected cost of making the switch in the investments. And I've also been able to have a look at much cheaper portfolio for you as well. So the newer portfolio is expected to save you $358 for the year in investment fees, which is a positive as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: You're in that growth environment, which as we kinda went through has an 80% split between growth and defensive investment. So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest. Looking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible. So this newer portfolio, on the next line there, has averaged about 10.71%, which is great. And we wanna try and see if we can get that to, you know, maximize or do as much as that over the next couple of years as possible.\n\nEssentially, if you can get that 10.71% in this new portfolio with the fee savings included, On the next page, if you go down, you can see over the next five to ten years, it can put you in a much greater position projective wise.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Beautiful. Now if you go down to page 18, this is where it's got exactly what I wanna do to the the portfolio and the diff and the changes that we wanna make for you. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Should have the red heading investments there. Can you see\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I'm\n\nChannel 0: one?\n\nChannel 1: on. Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: All good. Beautiful. So the main one to sort of look at is that column with the red and green. They're showing the buyers and sales. So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done\n\nChannel 1: Yep.\n\nChannel 0: really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification. You're also removing the ban along Australian equities. That investment has been underperforming. So as we went through, we wanna get rid of that out of your portfolio and move that ASAP for you.\n\nChannel 1: Yes.\n\nChannel 0: We've got here the bank hybrids. Those investments are more defensive in nature, but they are being phased out in the future by the government as well. So whilst we're making changes now, we may as well remove it from your portfolio as well rather than holding them for the next two years and having to remove them at the last minute then for you.\n\nChannel 1: Sure.\n\nChannel 0: Okay?\n\nChannel 1: Okay.\n\nChannel 0: Physical gold, at the moment, you've got about 7% in there. It's over 7%. Your portfolio, we wanna hold 10%. We're buying a bit more physical gold, has done really well, has done very well in your portfolio as a whole. We just need to reweight the portfolio a little bit.\n\nPart of this is also making sure we're rebalancing things because, essentially, when your portfolio is out weighted, it means that you could be taking more risk or not taking enough risk, and so you're out weighted against your portfolio, and that can also affect your returns long term as well. So, we're also just rebalancing some of these investments like your physical gold and just purchasing a bit more of that investment for you. Okay?\n\nChannel 1: Okay. Okay. Still.\n\nChannel 0: You've got your cybersecurity. So this is global cybersecurity. You've got a bit of 7% in there. At the moment, we wanna hold 5%, so we're just gonna rebalance that one, sell a little bit off, and just bring it back down to 5%, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: With getting rid of the bank hybrids, we still wanna hold defensive investments. And in this sort of environment with that growth environment, we wanna hold around about 20% there. We're gonna buy into 14% of core composite bonds. This is giving you exposure to both government and corporate bonds and a little bit of bank note exposure across the globe as well. So it is giving you diversification, defensive investments, and it's really good for income producing.\n\nCore composite bonds do pay out regular income payments, which gets paid back into your cash account, and that's redistributed back into the portfolio or reinvested back into the portfolio, which helps with the compounding effect long term as well. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. You've also got the S and P 500 in there. You've got about 28.40% at the moment. We wanna hold 30%, so we're gonna buy a little bit more of that. I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole.\n\nHowever, it is still a good place to see returns. We have seen growth. It has been very volatile, but we do realistically see a lot of growth long term out of international equities. So we do wanna hold some international equities. The thing I like about the S and P 500 is that you are tracking the top 500 companies in The US.\n\nThis can encompass anywhere from 500 to 520 different companies. You're tracking the S and P 500 index, and the makers of the index, the investment committee of the index itself actually meet every quarter, and they review what companies meet the criteria. If a company no longer meets the criteria to be in the S and P 500 index, they are removed out and replaced with other companies as well. So you are always tracking the top 500 companies in The US with that investment, and this one sort of follows the suit in in the way of the indices. It it makes changes along with the index, essentially.\n\nIt's also a very\n\nChannel 1: Sure.\n\nChannel 0: low cost investment to hold, giving you good exposure. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. We've got the Van Eck property investment in there. We are removing that ad. Property has done very well over the last couple of years. However, with the changes that we are seeing with legislation and property this year, it has taken a bit of a dip, and therefore, it is underperforming slightly.\n\nSo we are removing\n\nChannel 1: Yeah.\n\nChannel 0: that out for the time being. I think it's a place to watch and maybe put back in at a later time if appropriate.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Definitely.\n\nChannel 0: Yep. Beautiful. We've also got the BetaShares Raffy 200. This is Australian Equities. We are removing this completely.\n\nWe're removing this and the Bannalong, and we found another way, a lower cost way to hold Australian Equities still while still giving you good diversified exposure into the market. Okay?\n\nChannel 1: Okay. What's the other way you found?\n\nChannel 0: So bottom one, the BetaShares a 200.\n\nChannel 1: Sure.\n\nChannel 0: This one\n\nChannel 1: Okay.\n\nChannel 0: here is a low cost passive investment. It's tracking the top 200 companies on the ASX. It's actually cheaper than the other two, performed much better, and it's actually one of the highest dividend paying Australian, 200 investment options available on the market. So I like it for its dividends. I like that it's low cost.\n\nIt's saving you money, and it's also giving you a good exposure into the top 200 companies on the ASX, which is a positive.\n\nChannel 1: Okay. So what's the actual difference between the BetaShares Rafi and the BetaShares Australia?\n\nChannel 0: So this one here pays better dividends. It's much cheaper. And the Raffi has some mid cap stocks in it as well, so it has higher risk of underperformance. So\n\nChannel 1: Okay.\n\nChannel 0: the bet\n\nChannel 1: Cool.\n\nChannel 0: it says a 200 is a much better investment to hold, and it pays\n\nChannel 1: Yeah.\n\nChannel 0: much better dividends as well, which is kinda what we wanna also generate for your portfolio. Yeah. Yeah. That's okay. You've also got the iShares\n\nChannel 1: Yep.\n\nChannel 0: Europe in there. That is the fourth one from the bottom. That is giving you exposure to the all 16 European countries. We wanna hold 8% of that investment. So, again, diversifying.\n\nAnd whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible. We can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible. And the best way we have to do that is diversification. So spreading your risk level a lot across different industries, different asset classes, and different countries there as well. And these\n\nChannel 1: Yep.\n\nChannel 0: sorts of investors definitely help us to do that. This is opening you up to the entire European market, which is great. We wanna\n\nChannel 1: Yep.\n\nChannel 0: hold eight percent of this investment there for you. And then underneath that, you've also got the Japanese one. So we wanna hold from Japan. Japan has been very good. We've seen some really great growth there in recent months.\n\nAnd when you think about what happened this year with the fuel crisis that we never actually eventuated,\n\nChannel 1: Sure. Yeah.\n\nChannel 0: Japan had actually prepared very well for that. They had more fuel than most countries did for their for their, you know, residents,\n\nChannel 1: Yep.\n\nChannel 0: and they have prepared very, very well for that. So they are very good. They have seen really good growth, and we do sort of expect really good things for them. The other side of it is China used to be a really good partner for a lot of trade. There is still very high tensions with China out there, so we are finding a lot of people are moving into more other markets, and Japan seems to be one of those that's taking an attachment.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. We've also then got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe, essentially. It's giving you good diversification. It doesn't hold The US Of A, and that's because we have the S and P 500 above it.\n\nSo we don't really\n\nChannel 1: Sure.\n\nChannel 0: need that US exposure. However, it is opening up diversification into the rest of the globe, which is great. That's what we wanna see. We wanna see low cost investments, good dividend producing, and making sure to diversify as much as possible. And we wanna hold 8% of this investment.\n\nIt has done very well over the last couple of years. We wanna sort of see it continue to do so. So, essentially, that's we'll we'll put that into your portfolio there as well.\n\nChannel 1: Okay.\n\nChannel 0: Once we've kinda made the switch, at the end of it, you'll see in the last two columns where you should see your funds. So you'll see 10% in physical gold, 5% in cybersecurity, 14% in physical in core gold composite bonds, 30\n\nChannel 1: Yep.\n\nChannel 0: percent in the S and P 500. We'll see 8% in Europe, 5% in Japan, 8% with the all world ex US Vanguard investment, and 20% is sitting in the Australian equity side of things as well. So that's essentially the switches I wanna make. I do like that it stays on CGT. It's only a bit over $200 CGT cost for your super fund to sort of quantify.\n\nThat means there's less money coming off your balance to be able to complete the switch, and reducing the cost of the investments means more money stays in your portfolio for longer. And then having a better past performance shows that if this investments can perform the way they have over the past five years, given the last five years worth of market conditions, it could put you in a much better position moving forward, which is what we wanna see. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense? Do you have any questions at all?\n\nChannel 1: No. It sounds really good.\n\nChannel 0: Yeah. Beautiful. That's essentially all I really needed to go through, which is showing you the investments going through the advantages, disadvantages, the risk side of things there as I have. We've outlined a lot more around the advantages, disadvantages, the risks. I've also got a best interest, Judy, noted on the recommendations for you if you wanna read through that as well.\n\nIt relates it back to your goals and sort of goes through why we have made the recommendations we have. And then below that, we've also got that beneficiary side of things. So it's just a bit more about recommending that you do speak to a solicitor and have a will drawn up for yourself and your family and also powers of attorney, and it's got advantages, disadvantages,\n\nChannel 1: Okay.\n\nChannel 0: and risks\n\nChannel 1: Yep.\n\nChannel 0: around those sorts of things for you as well. Okay? Easy. Is there any questions that have come up in any of that?\n\nChannel 1: No. That that you've explained it really well.\n\nChannel 0: Yeah. Thank you. I enjoy what I do. I really appreciate the opportunity to do this for you. I just wanna make sure your super works harder for you.\n\nI\n\nChannel 1: Yeah.\n\nChannel 0: do want to allow you the chance to go back and have a read through the document as well. If you do find you have additional questions, please come back and let me know. It's absolutely fine. I love the questions. I think it's important that you're allowed to ask questions.\n\nAnd part of what I love about my job is the educational value as well, not just how you're saying, I'm gonna do this, but this is why I'm doing this. This is how this can help you. Because at\n\nChannel 1: Yeah.\n\nChannel 0: the end\n\nChannel 1: Gotcha.\n\nChannel 0: of the day, I wanna make sure you get to retirement and are able to draw your income and live the life that you've worked so hard for. You've worked way too hard to lose everything now, so\n\nChannel 1: No.\n\nChannel 0: it's\n\nChannel 1: Awesome.\n\nChannel 0: really important. Yeah. All good. That is basically everything. I'll leave you to to have a good afternoon and read through that.\n\nIf you are happy to proceed with the recommendations, I'll just need to sign the document, return it back to me, and my\n\nChannel 1: Yep.\n\nChannel 0: team will have it implemented. And then as to our last chat in the annual review, I wanna make sure we do a six month catch up with you. Would you like a catch up prior to six months, or do you still feel like six months is okay?\n\nChannel 1: I suppose it's whatever happens in the in the market. If the market's a bit more volatile, we might need to schedule six months\n\nChannel 0: Oh,\n\nChannel 1: or\n\nChannel 0: yeah?\n\nChannel 1: less.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, if the\n\nChannel 0: Well\n\nChannel 1: market's a fairly stable, then I think, yeah, six months would be fine.\n\nChannel 0: yeah. No worries. What I'll do is I'll jump in. I'll have a little bit of a look over the next few months towards Christmas and see if there's any kind of reason to touch base. If there's not, my team will give you a call in about six months' time, and we'll jump in and have a bit of a catch up then.\n\nHow does that sound?\n\nChannel 1: Yep. Yes. Fantastic.\n\nChannel 0: Yeah. Beautiful. In the meantime, if you find something concerning you and you do wanna have a bit more of a touch base, you just let me know. My team will absolutely book you in, and we can always touch base. If they've got like, if they if you call in and just wanna have a quick chat, they'll\n\nChannel 1: Yep.\n\nChannel 0: also see if I'm available, and I'll happily take the call off the cuff if if if I'm not on the phone as well. So,\n\nChannel 1: Yeah. It's not open.\n\nChannel 0: yeah. Easy. Beautiful.\n\nChannel 1: Oh, thanks,\n\nChannel 0: Well,\n\nChannel 1: Anna.\n\nChannel 0: thank that's okay. Thank you so much for taking my call. I hope you have a lovely afternoon and get to relax.\n\nChannel 1: No. Thank you very much. You too.\n\nChannel 0: Thank you. I'll talk to you soon. See you later, Travis. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":1.92,"end":2.08,"sentiment":"neutral","sentiment_score":0.19636401534080505},{"text":"How are you going?","start":2.08,"end":2.82,"sentiment":"neutral","sentiment_score":0.24768370762467384}],"sentiment":"neutral","sentiment_score":0.23741976916790009,"channel":1,"num_words":5,"start":1.92,"end":2.82},{"sentences":[{"text":"Hey, Travis.","start":3.1999998,"end":4.08,"sentiment":"neutral","sentiment_score":0.22270517796278},{"text":"Is now a better time there for you?","start":4.08,"end":6.1,"sentiment":"neutral","sentiment_score":0.30984120070934296}],"sentiment":"neutral","sentiment_score":0.2924139961600304,"channel":0,"num_words":10,"start":3.1999998,"end":6.1},{"sentences":[{"text":"Yep.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.12340296804904938},{"text":"No.","start":6.48,"end":6.72,"sentiment":"neutral","sentiment_score":0.0099070705473423},{"text":"I'm at home.","start":6.72,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.04837005709608396},{"text":"All good.","start":7.2799997,"end":7.94,"sentiment":"positive","sentiment_score":0.42580080032348633}],"sentiment":"neutral","sentiment_score":0.16143168721880233,"channel":1,"num_words":7,"start":6.16,"end":7.94},{"sentences":[{"text":"Oh, fantastic.","start":8.08,"end":9.059999,"sentiment":"positive","sentiment_score":0.6633601188659668},{"text":"I thought if you're nearly home, you may as well finish getting there rather than sitting on the side of the road.","start":9.12,"end":13.28,"sentiment":"neutral","sentiment_score":0.26704294979572296},{"text":"You may as well be comfortable.","start":13.28,"end":14.42,"sentiment":"neutral","sentiment_score":0.3099425633748372}],"sentiment":"neutral","sentiment_score":0.30204401711622875,"channel":0,"num_words":30,"start":8.08,"end":14.42},{"sentences":[{"text":"Yeah.","start":14.655,"end":14.815001,"sentiment":"neutral","sentiment_score":0.17350459098815918},{"text":"Yeah.","start":14.815001,"end":14.975,"sentiment":"neutral","sentiment_score":0.19515742361545563},{"text":"That's alright.","start":14.975,"end":15.695,"sentiment":"neutral","sentiment_score":0.29472294449806213},{"text":"Perfect.","start":15.695,"end":16.195,"sentiment":"positive","sentiment_score":0.5129982829093933},{"text":"So","start":16.815,"end":16.975,"sentiment":"neutral","sentiment_score":0.183512344956398}],"sentiment":"neutral","sentiment_score":0.27576975524425507,"channel":1,"num_words":6,"start":14.655,"end":16.975},{"sentences":[{"text":"No.","start":16.855,"end":17.335,"sentiment":"neutral","sentiment_score":0.09065859019756316}],"sentiment":"neutral","sentiment_score":0.09065859019756316,"channel":0,"num_words":1,"start":16.855,"end":17.335},{"sentences":[{"text":"I'm just","start":16.975,"end":17.375,"sentiment":"neutral","sentiment_score":0.11878522112965584}],"sentiment":"neutral","sentiment_score":0.11878522112965584,"channel":1,"num_words":2,"start":16.975,"end":17.375},{"sentences":[{"text":"All","start":17.335,"end":17.575,"sentiment":"neutral","sentiment_score":0.11019547283649445}],"sentiment":"neutral","sentiment_score":0.11019547283649445,"channel":0,"num_words":1,"start":17.335,"end":17.575},{"sentences":[{"text":"opening","start":17.375,"end":17.695,"sentiment":"neutral","sentiment_score":0.17183706164360046}],"sentiment":"neutral","sentiment_score":0.17183706164360046,"channel":1,"num_words":1,"start":17.375,"end":17.695},{"sentences":[{"text":"good.","start":17.575,"end":18.075,"sentiment":"neutral","sentiment_score":0.2849780321121216}],"sentiment":"neutral","sentiment_score":0.2849780321121216,"channel":0,"num_words":1,"start":17.575,"end":18.075},{"sentences":[{"text":"your email now.","start":17.695,"end":19.075,"sentiment":"neutral","sentiment_score":0.1870234707991282}],"sentiment":"neutral","sentiment_score":0.1870234707991282,"channel":1,"num_words":3,"start":17.695,"end":19.075},{"sentences":[{"text":"Legend.","start":19.735,"end":20.235,"sentiment":"neutral","sentiment_score":0.11287160217761992},{"text":"So when you open that one there, you'll see it has a button that says click to start or sign.","start":20.855,"end":25.335,"sentiment":"neutral","sentiment_score":0.057573847286403176},{"text":"If you can click","start":25.335,"end":25.974998,"sentiment":"neutral","sentiment_score":0.03239717427641153}],"sentiment":"neutral","sentiment_score":0.05575748980045318,"channel":0,"num_words":25,"start":19.735,"end":25.974998},{"sentences":[{"text":"Find","start":25.775,"end":26.015,"sentiment":"neutral","sentiment_score":0.0195832084864378}],"sentiment":"neutral","sentiment_score":0.0195832084864378,"channel":1,"num_words":1,"start":25.775,"end":26.015},{"sentences":[{"text":"on","start":25.974998,"end":26.134998,"sentiment":"neutral","sentiment_score":0.01741139590740204}],"sentiment":"neutral","sentiment_score":0.01741139590740204,"channel":0,"num_words":1,"start":25.974998,"end":26.134998},{"sentences":[{"text":"document.","start":26.015,"end":26.515,"sentiment":"neutral","sentiment_score":0.049964308738708496}],"sentiment":"neutral","sentiment_score":0.049964308738708496,"channel":1,"num_words":1,"start":26.015,"end":26.515},{"sentences":[{"text":"that button, it'll, yeah, it'll take you forward so you can view the document.","start":26.134998,"end":29.595,"sentiment":"neutral","sentiment_score":0.16568190764103616},{"text":"I will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything.","start":30.03,"end":36.13,"sentiment":"neutral","sentiment_score":0.10842173574147401},{"text":"Okay.","start":36.27,"end":36.77,"sentiment":"neutral","sentiment_score":0.11278598755598068}],"sentiment":"neutral","sentiment_score":0.127612370465483,"channel":0,"num_words":42,"start":26.134998,"end":36.77},{"sentences":[{"text":"Sure.","start":36.89,"end":37.39,"sentiment":"neutral","sentiment_score":0.14643873274326324},{"text":"Okay.","start":37.53,"end":38.03,"sentiment":"neutral","sentiment_score":0.2271233946084976}],"sentiment":"neutral","sentiment_score":0.18678106367588043,"channel":1,"num_words":2,"start":36.89,"end":38.03},{"sentences":[{"text":"Excellent.","start":38.75,"end":39.25,"sentiment":"positive","sentiment_score":0.4697812795639038},{"text":"So how to kinda give you a run through how we sort of do things is we do the annual review first, and then we provide the advice to make the recommendations, and then you get to decide what you're comfortable 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calls are recorded for training and quality purposes.","start":54.015,"end":59.899998,"sentiment":"neutral","sentiment_score":0.13121099798725203},{"text":"Are you happy for me to proceed with that?","start":59.899998,"end":61.84,"sentiment":"neutral","sentiment_score":0.1600463092327118}],"sentiment":"neutral","sentiment_score":0.15738467690912453,"channel":0,"num_words":37,"start":52.815,"end":61.84},{"sentences":[{"text":"Yeah.","start":62.0,"end":62.239998,"sentiment":"neutral","sentiment_score":0.11940947920084},{"text":"That's fine.","start":62.239998,"end":63.059998,"sentiment":"neutral","sentiment_score":0.23189183324575424}],"sentiment":"neutral","sentiment_score":0.19439771523078284,"channel":1,"num_words":3,"start":62.0,"end":63.059998},{"sentences":[{"text":"Fantastic.","start":63.26,"end":63.76,"sentiment":"positive","sentiment_score":0.5395968556404114},{"text":"And I'll just do a quick security check there for you as well before I discuss your personal 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platform, it would have cemented or triggered CGT consequences of a little over $1,800 there.","start":303.195,"end":312.315,"sentiment":"neutral","sentiment_score":-0.14693950633368186},{"text":"So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost.","start":312.315,"end":321.65,"sentiment":"neutral","sentiment_score":0.18301440235869637},{"text":"So that","start":321.65,"end":322.13,"sentiment":"neutral","sentiment_score":0.07146117277443409}],"sentiment":"neutral","sentiment_score":-0.004988900228832545,"channel":0,"num_words":89,"start":295.07,"end":322.13},{"sentences":[{"text":"Yeah.","start":321.95502,"end":322.45502,"sentiment":"neutral","sentiment_score":0.07794944196939468}],"sentiment":"neutral","sentiment_score":0.07794944196939468,"channel":1,"num_words":1,"start":321.95502,"end":322.45502},{"sentences":[{"text":"all reflects on your balance.","start":322.13,"end":323.67,"sentiment":"neutral","sentiment_score":0.08632131293416023},{"text":"So it's about making sure that things are working harder for you, but that we're not having the Superfund pay huge amounts of tax as well because that reflects in your balance, and you've gotta make that money back.","start":323.73,"end":334.035,"sentiment":"neutral","sentiment_score":0.05110895652801563},{"text":"Essentially so remaining in Hub 24 is appropriate.","start":334.895,"end":338.655,"sentiment":"neutral","sentiment_score":0.20411738194525242},{"text":"I'll take you through the investment switch on what I'm recommending there for you and just continuing to make sure your super contributions go into Hub 24 as appropriate as well.","start":338.655,"end":347.18,"sentiment":"positive","sentiment_score":0.33505489364747076},{"text":"Okay?","start":347.18,"end":347.68,"sentiment":"neutral","sentiment_score":0.07084334641695023}],"sentiment":"neutral","sentiment_score":0.17280166636088065,"channel":0,"num_words":84,"start":322.13,"end":347.68},{"sentences":[{"text":"Okay.","start":347.625,"end":348.125,"sentiment":"neutral","sentiment_score":0.058012478053569794}],"sentiment":"neutral","sentiment_score":0.058012478053569794,"channel":1,"num_words":1,"start":347.625,"end":348.125},{"sentences":[{"text":"If you can scroll down for me just to page number 15 sorry.","start":348.54,"end":352.38,"sentiment":"neutral","sentiment_score":0.023045015736268118},{"text":"16.","start":352.38,"end":352.88,"sentiment":"neutral","sentiment_score":0.02875909768044949},{"text":"I'll take you through a little bit more around why I've made the recommendations I 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second.","start":362.20502,"end":363.745,"sentiment":"neutral","sentiment_score":0.014326370853398527}],"sentiment":"neutral","sentiment_score":0.011763056740164757,"channel":0,"num_words":11,"start":361.245,"end":363.745},{"sentences":[{"text":"Okay.","start":363.71002,"end":364.21002,"sentiment":"neutral","sentiment_score":0.020429447293281555},{"text":"So","start":364.75,"end":364.91,"sentiment":"neutral","sentiment_score":0.012305119074881077}],"sentiment":"neutral","sentiment_score":0.016367283184081316,"channel":1,"num_words":2,"start":363.71002,"end":364.91},{"sentences":[{"text":"Yeah.","start":364.845,"end":365.345,"sentiment":"neutral","sentiment_score":0.019472569227218628}],"sentiment":"neutral","sentiment_score":0.019472569227218628,"channel":0,"num_words":1,"start":364.845,"end":365.345},{"sentences":[{"text":"it pays the same?","start":364.91,"end":365.97,"sentiment":"neutral","sentiment_score":0.029296149034053087}],"sentiment":"neutral","sentiment_score":0.029296149034053087,"channel":1,"num_words":4,"start":364.91,"end":365.97},{"sentences":[{"text":"Page number 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when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences.","start":374.13998,"end":380.31998,"sentiment":"neutral","sentiment_score":0.1237609659632047},{"text":"As I kinda mentioned, your super fund pays CGT.","start":380.46,"end":383.03998,"sentiment":"neutral","sentiment_score":0.20422115921974182},{"text":"It does it it pays income tax and capital gains tax every year.","start":383.58,"end":387.105,"sentiment":"neutral","sentiment_score":0.16673253304683244},{"text":"In order to switch the investments, I was able to reduce the CGT costs down to $245.","start":387.42502,"end":393.345,"sentiment":"positive","sentiment_score":0.5449996362714207}],"sentiment":"neutral","sentiment_score":0.26280518097337335,"channel":0,"num_words":64,"start":372.62,"end":393.345},{"sentences":[{"text":"That's the expected cost of making the switch in the investments.","start":393.345,"end":396.08502,"sentiment":"positive","sentiment_score":0.6758066307414662},{"text":"And I've also been able to have a look at much cheaper portfolio for you as well.","start":396.385,"end":400.64502,"sentiment":"positive","sentiment_score":0.687053894295412},{"text":"So the newer portfolio is expected to save you $358 for the year in investment fees, which is a positive as well.","start":400.68,"end":407.16,"sentiment":"positive","sentiment_score":0.7804615903984417},{"text":"Okay?","start":407.16,"end":407.66,"sentiment":"positive","sentiment_score":0.3486678898334503}],"sentiment":"positive","sentiment_score":0.7182865101917117,"channel":0,"num_words":51,"start":393.345,"end":407.66},{"sentences":[{"text":"Yeah.","start":408.335,"end":408.66,"sentiment":"neutral","sentiment_score":0.3240697979927063}],"sentiment":"neutral","sentiment_score":0.3240697979927063,"channel":1,"num_words":1,"start":408.335,"end":408.66},{"sentences":[{"text":"You're in that growth environment, which as we kinda went through has an 80% split between growth and defensive investment.","start":408.68,"end":415.1,"sentiment":"neutral","sentiment_score":0.28168429508805276},{"text":"So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest.","start":415.63998,"end":426.29498,"sentiment":"neutral","sentiment_score":0.2607569497014428},{"text":"Looking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible.","start":426.595,"end":439.8,"sentiment":"neutral","sentiment_score":0.19910209067165852},{"text":"So this newer portfolio, on the next line there, has averaged about 10.71%, which is 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you.","start":469.28,"end":477.555,"sentiment":"neutral","sentiment_score":0.24149374094079523},{"text":"Okay.","start":477.555,"end":478.055,"sentiment":"neutral","sentiment_score":0.13772135972976685}],"sentiment":"neutral","sentiment_score":0.24922308285494107,"channel":0,"num_words":37,"start":467.84,"end":478.055},{"sentences":[{"text":"Yep.","start":478.59,"end":479.09,"sentiment":"neutral","sentiment_score":0.18382017314434052}],"sentiment":"neutral","sentiment_score":0.18382017314434052,"channel":1,"num_words":1,"start":478.59,"end":479.09},{"sentences":[{"text":"Beautiful.","start":479.715,"end":480.215,"sentiment":"positive","sentiment_score":0.4322472810745239},{"text":"Should have the red heading investments there.","start":482.515,"end":484.595,"sentiment":"neutral","sentiment_score":0.18288085183926991},{"text":"Can you 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you.","start":525.52,"end":534.735,"sentiment":"neutral","sentiment_score":-0.11753061913738125}],"sentiment":"neutral","sentiment_score":-0.043288739741994785,"channel":0,"num_words":65,"start":518.24,"end":534.735},{"sentences":[{"text":"Sure.","start":534.28,"end":534.78,"sentiment":"neutral","sentiment_score":0.02249874919652939}],"sentiment":"neutral","sentiment_score":0.02249874919652939,"channel":1,"num_words":1,"start":534.28,"end":534.78},{"sentences":[{"text":"Okay?","start":534.735,"end":535.235,"sentiment":"neutral","sentiment_score":0.02252308651804924}],"sentiment":"neutral","sentiment_score":0.02252308651804924,"channel":0,"num_words":1,"start":534.735,"end":535.235},{"sentences":[{"text":"Okay.","start":535.0,"end":535.5,"sentiment":"neutral","sentiment_score":0.04453390836715698}],"sentiment":"neutral","sentiment_score":0.04453390836715698,"channel":1,"num_words":1,"start":535.0,"end":535.5},{"sentences":[{"text":"Physical gold, at the moment, you've got about 7% in 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well.","start":616.735,"end":629.54004,"sentiment":"neutral","sentiment_score":0.27211868539452555},{"text":"Okay?","start":629.54004,"end":630.04004,"sentiment":"neutral","sentiment_score":0.09870264679193495}],"sentiment":"neutral","sentiment_score":0.26788902591641356,"channel":0,"num_words":41,"start":616.735,"end":630.04004},{"sentences":[{"text":"Okay.","start":629.875,"end":630.36,"sentiment":"neutral","sentiment_score":0.13611093163490295},{"text":"Yep.","start":630.51996,"end":631.01996,"sentiment":"neutral","sentiment_score":0.23351171612739563}],"sentiment":"neutral","sentiment_score":0.1848113238811493,"channel":1,"num_words":2,"start":629.875,"end":631.01996},{"sentences":[{"text":"Excellent.","start":630.82,"end":631.32,"sentiment":"positive","sentiment_score":0.5277165770530701},{"text":"You've also got the S and P 500 in there.","start":632.02,"end":634.42004,"sentiment":"neutral","sentiment_score":0.2013971470296383},{"text":"You've got about 28.40% at the moment.","start":634.42004,"end":637.27496,"sentiment":"neutral","sentiment_score":0.12163363503558296},{"text":"We wanna hold 30%, so we're gonna buy a little bit more of that.","start":637.27496,"end":640.895,"sentiment":"neutral","sentiment_score":0.13181452133825847},{"text":"I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole.","start":640.955,"end":646.575,"sentiment":"neutral","sentiment_score":-0.08541340194642544}],"sentiment":"neutral","sentiment_score":0.052030661047018804,"channel":0,"num_words":58,"start":630.82,"end":646.575},{"sentences":[{"text":"However, it is still a good place to see returns.","start":646.635,"end":648.955,"sentiment":"positive","sentiment_score":0.48412220031023023},{"text":"We have seen growth.","start":648.955,"end":649.995,"sentiment":"positive","sentiment_score":0.43775560706853867},{"text":"It has been very volatile, but we do realistically see a lot of growth long term out of international equities.","start":649.995,"end":656.73,"sentiment":"neutral","sentiment_score":0.19440700337290764},{"text":"So we do wanna hold some international equities.","start":656.73,"end":659.15,"sentiment":"neutral","sentiment_score":0.12835067603737116},{"text":"The thing I like about the S and P 500 is that you are tracking the top 500 companies in The US.","start":659.53,"end":665.475,"sentiment":"neutral","sentiment_score":0.21943879398432645}],"sentiment":"neutral","sentiment_score":0.2552319277310744,"channel":0,"num_words":64,"start":646.635,"end":665.475},{"sentences":[{"text":"This can encompass anywhere from 500 to 520 different companies.","start":665.95496,"end":669.875,"sentiment":"neutral","sentiment_score":0.20090672224760056},{"text":"You're tracking the S and P 500 index, and the makers of the index, the investment committee of the index itself actually meet every quarter, and they review what companies meet the criteria.","start":669.875,"end":680.93005,"sentiment":"neutral","sentiment_score":0.17513529978918307},{"text":"If a company no longer meets the criteria to be in the S and P 500 index, they are removed out and replaced with other companies as well.","start":681.07,"end":689.23004,"sentiment":"neutral","sentiment_score":0.04207750117140157},{"text":"So you are always tracking the top 500 companies in The US with that investment, and this one sort of follows the suit in in the way of the indices.","start":689.23004,"end":697.685,"sentiment":"neutral","sentiment_score":0.22140631079673767},{"text":"It it makes changes along with the index, essentially.","start":697.685,"end":700.425,"sentiment":"neutral","sentiment_score":0.23873955011367798}],"sentiment":"neutral","sentiment_score":0.16143224930221384,"channel":0,"num_words":110,"start":665.95496,"end":700.425},{"sentences":[{"text":"It's also a very","start":700.725,"end":701.525,"sentiment":"positive","sentiment_score":0.3359864577651024}],"sentiment":"positive","sentiment_score":0.3359864577651024,"channel":0,"num_words":4,"start":700.725,"end":701.525},{"sentences":[{"text":"Sure.","start":701.395,"end":701.895,"sentiment":"positive","sentiment_score":0.41966867446899414}],"sentiment":"positive","sentiment_score":0.41966867446899414,"channel":1,"num_words":1,"start":701.395,"end":701.895},{"sentences":[{"text":"low cost investment to hold, giving you good exposure.","start":701.525,"end":704.105,"sentiment":"positive","sentiment_score":0.3899033334520128},{"text":"Okay?","start":704.485,"end":704.985,"sentiment":"neutral","sentiment_score":0.17734697461128235}],"sentiment":"positive","sentiment_score":0.36864769756793975,"channel":0,"num_words":10,"start":701.525,"end":704.985},{"sentences":[{"text":"Okay.","start":704.835,"end":705.335,"sentiment":"neutral","sentiment_score":0.2558440864086151}],"sentiment":"neutral","sentiment_score":0.2558440864086151,"channel":1,"num_words":1,"start":704.835,"end":705.335},{"sentences":[{"text":"Excellent.","start":705.925,"end":706.425,"sentiment":"positive","sentiment_score":0.5530415773391724},{"text":"We've got the Van Eck property investment in there.","start":707.12,"end":709.27997,"sentiment":"neutral","sentiment_score":0.13925685319635603},{"text":"We are removing that ad.","start":709.27997,"end":710.72,"sentiment":"neutral","sentiment_score":-0.09864001721143723},{"text":"Property has done very well over the last couple of years.","start":710.72,"end":713.2,"sentiment":"neutral","sentiment_score":0.04515575854615732},{"text":"However, with the changes that we are seeing with legislation and property this year, it has taken a bit of a dip, and therefore, it is underperforming slightly.","start":713.2,"end":720.64,"sentiment":"neutral","sentiment_score":-0.2621672382312162}],"sentiment":"neutral","sentiment_score":-0.10242252141513207,"channel":0,"num_words":54,"start":705.925,"end":720.64},{"sentences":[{"text":"So we are removing","start":720.64,"end":721.885,"sentiment":"neutral","sentiment_score":-0.17167075350880623}],"sentiment":"neutral","sentiment_score":-0.17167075350880623,"channel":0,"num_words":4,"start":720.64,"end":721.885},{"sentences":[{"text":"Yeah.","start":721.54,"end":722.04,"sentiment":"neutral","sentiment_score":-0.12696686387062073}],"sentiment":"neutral","sentiment_score":-0.12696686387062073,"channel":1,"num_words":1,"start":721.54,"end":722.04},{"sentences":[{"text":"that out for the time being.","start":721.885,"end":723.005,"sentiment":"neutral","sentiment_score":-0.15110202630360922},{"text":"I think it's a place to watch and maybe put back in at a later time if appropriate.","start":723.005,"end":726.945,"sentiment":"neutral","sentiment_score":0.013433606467313237}],"sentiment":"neutral","sentiment_score":-0.027700301725417376,"channel":0,"num_words":24,"start":721.885,"end":726.945},{"sentences":[{"text":"Yeah.","start":727.22,"end":727.45996,"sentiment":"neutral","sentiment_score":0.08785388618707657}],"sentiment":"neutral","sentiment_score":0.08785388618707657,"channel":1,"num_words":1,"start":727.22,"end":727.45996},{"sentences":[{"text":"Okay.","start":727.405,"end":727.905,"sentiment":"neutral","sentiment_score":0.11593358218669891}],"sentiment":"neutral","sentiment_score":0.11593358218669891,"channel":0,"num_words":1,"start":727.405,"end":727.905},{"sentences":[{"text":"Definitely.","start":727.45996,"end":727.95996,"sentiment":"neutral","sentiment_score":0.24139511585235596}],"sentiment":"neutral","sentiment_score":0.24139511585235596,"channel":1,"num_words":1,"start":727.45996,"end":727.95996},{"sentences":[{"text":"Yep.","start":728.605,"end":729.005,"sentiment":"neutral","sentiment_score":0.2683825194835663},{"text":"Beautiful.","start":729.005,"end":729.505,"sentiment":"positive","sentiment_score":0.640393078327179},{"text":"We've also got the BetaShares Raffy 200.","start":729.805,"end":732.385,"sentiment":"neutral","sentiment_score":0.2506704862628664},{"text":"This is Australian Equities.","start":732.525,"end":733.905,"sentiment":"neutral","sentiment_score":0.11800761707127094},{"text":"We are removing this completely.","start":733.965,"end":735.585,"sentiment":"neutral","sentiment_score":-0.06018318235874176}],"sentiment":"neutral","sentiment_score":0.1574768643412325,"channel":0,"num_words":18,"start":728.605,"end":735.585},{"sentences":[{"text":"We're removing this and the Bannalong, and we found another way, a lower cost way to hold Australian Equities still while still giving you good diversified exposure into the market.","start":735.95,"end":746.93,"sentiment":"neutral","sentiment_score":0.2720767989133795},{"text":"Okay?","start":747.23,"end":747.73,"sentiment":"neutral","sentiment_score":0.09480145573616028}],"sentiment":"neutral","sentiment_score":0.26635823945604986,"channel":0,"num_words":31,"start":735.95,"end":747.73},{"sentences":[{"text":"Okay.","start":747.65,"end":747.97003,"sentiment":"neutral","sentiment_score":0.07620376348495483},{"text":"What's the other way you found?","start":747.97003,"end":749.35,"sentiment":"neutral","sentiment_score":0.05434447961548964}],"sentiment":"neutral","sentiment_score":0.05746723445398467,"channel":1,"num_words":7,"start":747.65,"end":749.35},{"sentences":[{"text":"So bottom one, the BetaShares a 200.","start":750.17505,"end":752.59503,"sentiment":"neutral","sentiment_score":0.07646157379661288}],"sentiment":"neutral","sentiment_score":0.07646157379661288,"channel":0,"num_words":7,"start":750.17505,"end":752.59503},{"sentences":[{"text":"Sure.","start":752.21,"end":752.71,"sentiment":"neutral","sentiment_score":0.20195633172988892}],"sentiment":"neutral","sentiment_score":0.20195633172988892,"channel":1,"num_words":1,"start":752.21,"end":752.71},{"sentences":[{"text":"This one","start":752.73505,"end":753.29504,"sentiment":"neutral","sentiment_score":0.20700426399707794}],"sentiment":"neutral","sentiment_score":0.20700426399707794,"channel":0,"num_words":2,"start":752.73505,"end":753.29504},{"sentences":[{"text":"Okay.","start":753.09,"end":753.59,"sentiment":"neutral","sentiment_score":0.3092566132545471}],"sentiment":"neutral","sentiment_score":0.3092566132545471,"channel":1,"num_words":1,"start":753.09,"end":753.59},{"sentences":[{"text":"here is a low cost passive investment.","start":753.29504,"end":755.955,"sentiment":"neutral","sentiment_score":0.28054800416742054},{"text":"It's tracking the top 200 companies on the ASX.","start":756.255,"end":759.315,"sentiment":"positive","sentiment_score":0.39142899711926776},{"text":"It's actually cheaper than the other two, performed much better, and it's actually one of the highest dividend paying Australian, 200 investment options available on the market.","start":759.935,"end":770.13,"sentiment":"positive","sentiment_score":0.5908057755894132},{"text":"So I like it for its dividends.","start":770.13,"end":771.99,"sentiment":"positive","sentiment_score":0.8093538369451251},{"text":"I like that it's low cost.","start":772.05,"end":773.25,"sentiment":"positive","sentiment_score":0.8398123383522034}],"sentiment":"positive","sentiment_score":0.5739786398730108,"channel":0,"num_words":56,"start":753.29504,"end":773.25},{"sentences":[{"text":"It's saving you money, and it's also giving you a good exposure into the top 200 companies on the ASX, which is a positive.","start":773.25,"end":780.305,"sentiment":"positive","sentiment_score":0.7600312928358713}],"sentiment":"positive","sentiment_score":0.7600312928358713,"channel":0,"num_words":24,"start":773.25,"end":780.305},{"sentences":[{"text":"Okay.","start":780.66,"end":780.98,"sentiment":"neutral","sentiment_score":0.1235627382993698},{"text":"So what's the actual difference between the BetaShares Rafi and the BetaShares Australia?","start":780.98,"end":784.92,"sentiment":"neutral","sentiment_score":0.03510610945522785}],"sentiment":"neutral","sentiment_score":0.04142444008695228,"channel":1,"num_words":14,"start":780.66,"end":784.92},{"sentences":[{"text":"So this one here pays better dividends.","start":785.88495,"end":787.745,"sentiment":"neutral","sentiment_score":0.18710353757653916},{"text":"It's much cheaper.","start":787.88495,"end":788.865,"sentiment":"neutral","sentiment_score":0.25106409192085266},{"text":"And the Raffi has some mid cap stocks in it as well, so it has higher risk of underperformance.","start":789.40497,"end":794.14,"sentiment":"neutral","sentiment_score":0.059918037174563656},{"text":"So","start":794.52,"end":795.02,"sentiment":"neutral","sentiment_score":0.04735926538705826}],"sentiment":"neutral","sentiment_score":0.10829063368340333,"channel":0,"num_words":30,"start":785.88495,"end":795.02},{"sentences":[{"text":"Okay.","start":794.93506,"end":795.335,"sentiment":"neutral","sentiment_score":0.08288459479808807}],"sentiment":"neutral","sentiment_score":0.08288459479808807,"channel":1,"num_words":1,"start":794.93506,"end":795.335},{"sentences":[{"text":"the bet","start":795.16,"end":795.48,"sentiment":"neutral","sentiment_score":0.09326733276247978}],"sentiment":"neutral","sentiment_score":0.09326733276247978,"channel":0,"num_words":2,"start":795.16,"end":795.48},{"sentences":[{"text":"Cool.","start":795.335,"end":795.835,"sentiment":"neutral","sentiment_score":0.12231941521167757}],"sentiment":"neutral","sentiment_score":0.12231941521167757,"channel":1,"num_words":1,"start":795.335,"end":795.835},{"sentences":[{"text":"it says a 200 is a much better investment to hold, and it pays","start":795.48,"end":799.48,"sentiment":"neutral","sentiment_score":0.14281663032514708}],"sentiment":"neutral","sentiment_score":0.14281663032514708,"channel":0,"num_words":14,"start":795.48,"end":799.48},{"sentences":[{"text":"Yeah.","start":799.17505,"end":799.67505,"sentiment":"neutral","sentiment_score":0.1831052601337433}],"sentiment":"neutral","sentiment_score":0.1831052601337433,"channel":1,"num_words":1,"start":799.17505,"end":799.67505},{"sentences":[{"text":"much better dividends as well, which is kinda what we wanna also generate for your portfolio.","start":799.48,"end":803.715,"sentiment":"neutral","sentiment_score":0.28703811299055815},{"text":"Yeah.","start":804.015,"end":804.515,"sentiment":"neutral","sentiment_score":0.10562029480934144},{"text":"Yeah.","start":805.295,"end":805.695,"sentiment":"neutral","sentiment_score":0.10049653053283691},{"text":"That's okay.","start":805.695,"end":806.435,"sentiment":"neutral","sentiment_score":0.12397091463208199},{"text":"You've also got the iShares","start":806.895,"end":808.275,"sentiment":"neutral","sentiment_score":0.09740093350410461}],"sentiment":"neutral","sentiment_score":0.22134692519903182,"channel":0,"num_words":25,"start":799.48,"end":808.275},{"sentences":[{"text":"Yep.","start":807.9525,"end":808.4525,"sentiment":"neutral","sentiment_score":0.061861537396907806}],"sentiment":"neutral","sentiment_score":0.061861537396907806,"channel":1,"num_words":1,"start":807.9525,"end":808.4525},{"sentences":[{"text":"Europe in there.","start":808.335,"end":809.135,"sentiment":"neutral","sentiment_score":0.061508396019538246},{"text":"That is the fourth one from the bottom.","start":809.135,"end":811.235,"sentiment":"neutral","sentiment_score":0.08733748458325863},{"text":"That is giving you exposure to the all 16 European countries.","start":811.535,"end":814.815,"sentiment":"neutral","sentiment_score":0.10553637485612523},{"text":"We wanna hold 8% of that investment.","start":814.815,"end":817.135,"sentiment":"neutral","sentiment_score":0.12682344338723592},{"text":"So, again, diversifying.","start":817.135,"end":818.55,"sentiment":"neutral","sentiment_score":0.13351001838843027}],"sentiment":"neutral","sentiment_score":0.10413810459431261,"channel":0,"num_words":32,"start":808.335,"end":818.55},{"sentences":[{"text":"And whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible.","start":818.77,"end":827.17004,"sentiment":"neutral","sentiment_score":0.09480211610595385},{"text":"We can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible.","start":827.17004,"end":834.105,"sentiment":"neutral","sentiment_score":0.06080928952856497},{"text":"And the best way we have to do that is diversification.","start":834.105,"end":836.605,"sentiment":"neutral","sentiment_score":0.17254193262620407},{"text":"So spreading your risk level a lot across different industries, different asset classes, and different countries there as well.","start":836.985,"end":843.385,"sentiment":"neutral","sentiment_score":0.14001509076670596},{"text":"And these","start":843.385,"end":843.785,"sentiment":"neutral","sentiment_score":0.16237004101276398}],"sentiment":"neutral","sentiment_score":0.10791495140819322,"channel":0,"num_words":84,"start":818.77,"end":843.785},{"sentences":[{"text":"Yep.","start":843.765,"end":844.265,"sentiment":"neutral","sentiment_score":0.16342109441757202}],"sentiment":"neutral","sentiment_score":0.16342109441757202,"channel":1,"num_words":1,"start":843.765,"end":844.265},{"sentences":[{"text":"sorts of investors definitely help us to do that.","start":843.785,"end":846.265,"sentiment":"neutral","sentiment_score":0.24117418295807308},{"text":"This is opening you up to the entire European market, which is great.","start":846.265,"end":850.42,"sentiment":"positive","sentiment_score":0.5414550831684699},{"text":"We wanna","start":850.56,"end":850.95996,"sentiment":"positive","sentiment_score":0.38774673640727997}],"sentiment":"positive","sentiment_score":0.4160407166928053,"channel":0,"num_words":24,"start":843.785,"end":850.95996},{"sentences":[{"text":"Yep.","start":850.725,"end":851.225,"sentiment":"neutral","sentiment_score":0.2976265549659729}],"sentiment":"neutral","sentiment_score":0.2976265549659729,"channel":1,"num_words":1,"start":850.725,"end":851.225},{"sentences":[{"text":"hold eight percent of this investment there for you.","start":850.95996,"end":853.62,"sentiment":"neutral","sentiment_score":0.21449810763200125},{"text":"And then underneath that, you've also got the Japanese one.","start":853.75995,"end":856.48,"sentiment":"neutral","sentiment_score":0.08023895099759101},{"text":"So we wanna hold from Japan.","start":856.48,"end":857.92,"sentiment":"neutral","sentiment_score":0.0772424153983593},{"text":"Japan has been very good.","start":857.92,"end":859.36,"sentiment":"positive","sentiment_score":0.5980414748191833},{"text":"We've seen some really great growth there in recent months.","start":859.36,"end":862.01996,"sentiment":"positive","sentiment_score":0.5962397575378418}],"sentiment":"neutral","sentiment_score":0.3037232980132103,"channel":0,"num_words":40,"start":850.95996,"end":862.01996},{"sentences":[{"text":"And when you think about what happened this year with the fuel crisis that we never actually eventuated,","start":862.115,"end":867.095,"sentiment":"neutral","sentiment_score":0.02927737082872126}],"sentiment":"neutral","sentiment_score":0.02927737082872126,"channel":0,"num_words":18,"start":862.115,"end":867.095},{"sentences":[{"text":"Sure.","start":867.69,"end":867.76996,"sentiment":"neutral","sentiment_score":0.13376279175281525},{"text":"Yeah.","start":867.76996,"end":868.26996,"sentiment":"neutral","sentiment_score":0.20930951833724976}],"sentiment":"neutral","sentiment_score":0.1715361550450325,"channel":1,"num_words":2,"start":867.69,"end":868.26996},{"sentences":[{"text":"Japan had actually prepared very well for that.","start":867.795,"end":870.45496,"sentiment":"positive","sentiment_score":0.4102548100054264},{"text":"They had more fuel than most countries did for their for their, you know, residents,","start":870.51495,"end":875.975,"sentiment":"neutral","sentiment_score":0.3126455922921499}],"sentiment":"positive","sentiment_score":0.34659662454024603,"channel":0,"num_words":23,"start":867.795,"end":875.975},{"sentences":[{"text":"Yep.","start":876.555,"end":877.055,"sentiment":"positive","sentiment_score":0.35901308059692383}],"sentiment":"positive","sentiment_score":0.35901308059692383,"channel":1,"num_words":1,"start":876.555,"end":877.055},{"sentences":[{"text":"and they have prepared very, very well for that.","start":876.63,"end":878.95,"sentiment":"positive","sentiment_score":0.5302707221772935},{"text":"So they are very good.","start":878.95,"end":880.31,"sentiment":"positive","sentiment_score":0.6937310099601746},{"text":"They have seen really good growth, and we do sort of expect really good things for them.","start":880.31,"end":884.31,"sentiment":"positive","sentiment_score":0.7189746464000029},{"text":"The other side of it is China used to be a really good partner for a lot of trade.","start":884.31,"end":888.33,"sentiment":"neutral","sentiment_score":0.06346752729855086},{"text":"There is still very high tensions with China out there, so we are finding a lot of people are moving into more other markets, and Japan seems to be one of those that's taking an attachment.","start":888.645,"end":897.705,"sentiment":"neutral","sentiment_score":-0.054769597171495356}],"sentiment":"neutral","sentiment_score":0.22904462858947905,"channel":0,"num_words":86,"start":876.63,"end":897.705},{"sentences":[{"text":"Okay.","start":898.715,"end":899.215,"sentiment":"neutral","sentiment_score":0.04476245492696762}],"sentiment":"neutral","sentiment_score":0.04476245492696762,"channel":1,"num_words":1,"start":898.715,"end":899.215},{"sentences":[{"text":"Yeah.","start":899.60504,"end":900.10504,"sentiment":"neutral","sentiment_score":0.05551408603787422},{"text":"We've also then got the Vanguard All World x US 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as I have.","start":1007.825,"end":1017.04504,"sentiment":"neutral","sentiment_score":0.10910961635667703},{"text":"We've outlined a lot more around the advantages, disadvantages, the risks.","start":1017.10504,"end":1020.82,"sentiment":"neutral","sentiment_score":0.06867795217443597},{"text":"I've also got a best interest, Judy, noted on the recommendations for you if you wanna read through that as well.","start":1020.82,"end":1025.64,"sentiment":"neutral","sentiment_score":0.16173732316210157}],"sentiment":"neutral","sentiment_score":0.12602664817065473,"channel":0,"num_words":63,"start":1005.66504,"end":1025.64},{"sentences":[{"text":"It relates it back to your goals and sort of goes through why we have made the recommendations we have.","start":1025.7,"end":1030.44,"sentiment":"neutral","sentiment_score":0.16364680826663972},{"text":"And then below that, we've also got that beneficiary side of 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do wanna have a bit more of a touch base, you just let me know.","start":1151.655,"end":1157.39,"sentiment":"neutral","sentiment_score":0.18735267508488435},{"text":"My team will absolutely book you in, and we can always touch base.","start":1157.39,"end":1160.51,"sentiment":"positive","sentiment_score":0.41620901914743275},{"text":"If they've got like, if they if you call in and just wanna have a quick chat, they'll","start":1160.51,"end":1164.03,"sentiment":"neutral","sentiment_score":0.12766678631305695}],"sentiment":"neutral","sentiment_score":0.23871134524628268,"channel":0,"num_words":59,"start":1150.935,"end":1164.03},{"sentences":[{"text":"Yep.","start":1164.02,"end":1164.52,"sentiment":"neutral","sentiment_score":0.09527802467346191}],"sentiment":"neutral","sentiment_score":0.09527802467346191,"channel":1,"num_words":1,"start":1164.02,"end":1164.52},{"sentences":[{"text":"also see if I'm available, and I'll happily take the call off the cuff if if if I'm not on the phone as well.","start":1164.03,"end":1169.39,"sentiment":"neutral","sentiment_score":0.07582124155790855},{"text":"So,","start":1169.39,"end":1169.805,"sentiment":"neutral","sentiment_score":-0.008927333168685436}],"sentiment":"neutral","sentiment_score":0.0724312985688448,"channel":0,"num_words":25,"start":1164.03,"end":1169.805},{"sentences":[{"text":"Yeah.","start":1169.6549,"end":1169.975,"sentiment":"neutral","sentiment_score":-0.03453180938959122},{"text":"It's not open.","start":1169.975,"end":1170.875,"sentiment":"neutral","sentiment_score":-0.15569145480791727}],"sentiment":"neutral","sentiment_score":-0.12540154345333576,"channel":1,"num_words":4,"start":1169.6549,"end":1170.875},{"sentences":[{"text":"yeah.","start":1170.765,"end":1171.265,"sentiment":"neutral","sentiment_score":0.030092889443039898},{"text":"Easy.","start":1171.4851,"end":1171.9851,"sentiment":"neutral","sentiment_score":0.20920631289482117},{"text":"Beautiful.","start":1172.285,"end":1172.785,"sentiment":"positive","sentiment_score":0.623403012752533}],"sentiment":"neutral","sentiment_score":0.28756740503013134,"channel":0,"num_words":3,"start":1170.765,"end":1172.785},{"sentences":[{"text":"Oh, thanks,","start":1172.455,"end":1172.9349,"sentiment":"positive","sentiment_score":0.48696333169937134}],"sentiment":"positive","sentiment_score":0.48696333169937134,"channel":1,"num_words":2,"start":1172.455,"end":1172.9349},{"sentences":[{"text":"Well,","start":1172.8451,"end":1173.0851,"sentiment":"positive","sentiment_score":0.4140889644622803}],"sentiment":"positive","sentiment_score":0.4140889644622803,"channel":0,"num_words":1,"start":1172.8451,"end":1173.0851},{"sentences":[{"text":"Anna.","start":1172.9349,"end":1173.4349,"sentiment":"positive","sentiment_score":0.3970872461795807}],"sentiment":"positive","sentiment_score":0.3970872461795807,"channel":1,"num_words":1,"start":1172.9349,"end":1173.4349},{"sentences":[{"text":"thank that's okay.","start":1173.0851,"end":1174.3651,"sentiment":"positive","sentiment_score":0.5581603248914083},{"text":"Thank you so much for taking my call.","start":1174.3651,"end":1175.9651,"sentiment":"positive","sentiment_score":0.8077539727091789},{"text":"I hope you have a lovely afternoon and get to relax.","start":1175.9651,"end":1178.545,"sentiment":"positive","sentiment_score":0.7625718170946295}],"sentiment":"positive","sentiment_score":0.7511273974722082,"channel":0,"num_words":22,"start":1173.0851,"end":1178.545},{"sentences":[{"text":"No.","start":1179.095,"end":1179.335,"sentiment":"neutral","sentiment_score":0.02141977846622467},{"text":"Thank you very much.","start":1179.335,"end":1180.215,"sentiment":"positive","sentiment_score":0.49801043421030045},{"text":"You too.","start":1180.215,"end":1180.8209,"sentiment":"positive","sentiment_score":0.39159756898880005}],"sentiment":"positive","sentiment_score":0.3995223790407181,"channel":1,"num_words":7,"start":1179.095,"end":1180.8209},{"sentences":[{"text":"Thank you.","start":1181.391,"end":1181.871,"sentiment":"positive","sentiment_score":0.6055141091346741},{"text":"I'll talk to you soon.","start":1181.871,"end":1182.751,"sentiment":"positive","sentiment_score":0.3859295129776001},{"text":"See you later, Travis.","start":1182.751,"end":1183.811,"sentiment":"neutral","sentiment_score":0.31337540596723557},{"text":"Bye.","start":1184.351,"end":1184.851,"sentiment":"neutral","sentiment_score":-0.10367413610219955}],"sentiment":"positive","sentiment_score":0.3575419392436743,"channel":0,"num_words":12,"start":1181.391,"end":1184.851}]},"summary":{"result":"success","short":"The speaker discusses the annual review process and recommends underperforming investments and changing portfolios. They recommend reducing debt and cash flow, reviewing investment portfolios, and recommending a tool called Hub twenty four for researching investment recommendations. The speaker emphasizes the importance of reducing costs and maximizing the value of the newer portfolio, recommending retaining hub 24, and removing old investments. They also discuss investment opportunities, including cybersecurity, global cybersecurity, and a property investment, and emphasize the importance of diversification and risk management. The speaker emphasizes the importance of recommending a solicitor and having a will draw out for oneself and family, and offers to schedule a catch-up with them in six months if the market is volatile."},"intents":{"segments":[{"text":"So when you open that one there, you'll see it has a button that says click to start or sign. If you can click Find on document. that button, it'll, yeah, it'll take you forward so you can view the document. I will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything. Okay. Sure.","start_word":68,"end_word":137,"intents":[{"intent":"Request documentation","confidence_score":0.0007926649}]},{"text":"And I'll just do a quick security check there for you as well before I discuss your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":226,"end_word":265,"intents":[{"intent":"Provide information","confidence_score":0.002729083}]},{"text":"On the next page there, we got the insurances. So you were happy with the level of cover that you do have at the moment. We're not reviewing that currently. However, we'll make sure to review that down the track.","start_word":649,"end_word":688,"intents":[{"intent":"Review and review insurance coverage","confidence_score":0.09657991}]},{"text":"On the next page, we've got areas that we're not looking at. So we're not looking at debt or cash flow around at the moment. Any additional advice that you do require, we can provide down the track. So this is just about getting your super working a bit harder and replacing some underperforming investments and looking at what we can do to update the portfolio for you. Okay?","start_word":735,"end_word":803,"intents":[{"intent":"Update portfolio","confidence_score":0.04418136}]},{"text":"So this one here is recommending that you do retain hub twenty four as part of reviewing your super and the investments.","start_word":894,"end_word":915,"intents":[{"intent":"Review super investments","confidence_score":0.03866277}]},{"text":"So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost. So that Yeah.","start_word":1074,"end_word":1105,"intents":[{"intent":"Limit cgt cost","confidence_score":0.5069507},{"intent":"Reduce investment cost","confidence_score":0.006070754}]},{"text":"So when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences.","start_word":1255,"end_word":1278,"intents":[{"intent":"Reduce fee consequences","confidence_score":0.050890006}]},{"text":"So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest.","start_word":1390,"end_word":1418,"intents":[{"intent":"Hold investments","confidence_score":0.24387468}]},{"text":"Looking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible.","start_word":1420,"end_word":1463,"intents":[{"intent":"Maximize portfolio","confidence_score":0.26894662}]},{"text":"So the main one to sort of look at is that column with the red and green. They're showing the buyers and sales. So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done Yep. really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification.","start_word":1616,"end_word":1692,"intents":[{"intent":"Adjust portfolio","confidence_score":0.21832995}]},{"text":"So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done Yep. really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification.","start_word":1639,"end_word":1692,"intents":[{"intent":"Remove battery","confidence_score":0.07653724}]},{"text":"really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification.","start_word":1662,"end_word":1692,"intents":[{"intent":"Provide diversification","confidence_score":0.0011081236}]},{"text":"You're also removing the ban along Australian equities. That investment has been underperforming. So as we went through, we wanna get rid of that out of your portfolio and move that ASAP for you. Yes.","start_word":1693,"end_word":1727,"intents":[{"intent":"Remove ban on equities","confidence_score":0.3319549}]},{"text":"So whilst we're making changes now, we may as well remove it from your portfolio as well rather than holding them for the next two years and having to remove them at the last minute then for you. Sure.","start_word":1756,"end_word":1794,"intents":[{"intent":"Manage portfolio portfolio","confidence_score":0.013170732}]},{"text":"I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole. However, it is still a good place to see returns. We have seen growth. It has been very volatile, but we do realistically see a lot of growth long term out of international equities.","start_word":2125,"end_word":2184,"intents":[{"intent":"Explain market conditions","confidence_score":0.00010239068}]},{"text":"And whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible. We can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible. And the best way we have to do that is diversification.","start_word":2695,"end_word":2757,"intents":[{"intent":"Discuss diversification techniques","confidence_score":0.000116956726}]},{"text":"hold eight percent of this investment there for you.","start_word":2805,"end_word":2813,"intents":[{"intent":"Hold investments","confidence_score":0.28106812}]},{"text":"We've also then got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe, essentially. It's giving you good diversification. It doesn't hold The US Of A, and that's because we have the S and P 500 above it. So we don't really Sure. need that US exposure. However, it is opening up diversification into the rest of the globe, which is great.","start_word":2977,"end_word":3048,"intents":[{"intent":"Diversify markets","confidence_score":0.013518858}]},{"text":"So you'll see 10% in physical gold, 5% in cybersecurity, 14% in physical in core gold composite bonds, 30 Yep. percent in the S and P 500. We'll see 8% in Europe, 5% in Japan, 8% with the all world ex US Vanguard investment, and 20% is sitting in the Australian equity side of things as well.","start_word":3140,"end_word":3196,"intents":[{"intent":"Explain investments","confidence_score":0.10232343}]},{"text":"If you do find you have additional questions, please come back and let me know. It's absolutely fine.","start_word":3542,"end_word":3559,"intents":[{"intent":"Reach out","confidence_score":0.0035657997},{"intent":"Ask questions","confidence_score":0.63837993}]},{"text":"If you are happy to proceed with the recommendations, I'll just need to sign the document, return it back to me, and my Yep. team will have it implemented. And then as to our last chat in the annual review, I wanna make sure we do a six month catch up with you. Would you like a catch up prior to six months, or do you still feel like six months is okay?","start_word":3681,"end_word":3753,"intents":[{"intent":"Propose follow-up","confidence_score":0.0011096327}]},{"text":"I suppose it's whatever happens in the in the market. If the market's a bit more volatile, we might need to schedule six months Oh, or yeah?","start_word":3754,"end_word":3780,"intents":[{"intent":"Schedule follow-up","confidence_score":0.006952679}]},{"text":"What I'll do is I'll jump in. I'll have a little bit of a look over the next few months towards Christmas and see if there's any kind of reason to touch base. If there's not, my team will give you a call in about six months' time, and we'll jump in and have a bit of a catch up then. How does that sound?","start_word":3806,"end_word":3870,"intents":[{"intent":"Discuss future touch base","confidence_score":0.0127735315}]}]},"sentiments":{"segments":[{"text":"Hey. How are you going? Hey, Travis. Is now a better time there for you? Yep. No. I'm at home.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.19922837615013125},{"text":"All good. Oh, fantastic.","start_word":20,"end_word":23,"sentiment":"positive","sentiment_score":0.5574530363082886},{"text":"I thought if you're nearly home, you may as well finish getting there rather than sitting on the side of the road. You may as well be comfortable. Yeah. Yeah. That's alright.","start_word":24,"end_word":55,"sentiment":"neutral","sentiment_score":0.272207647562027},{"text":"Perfect.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.5129982829093933},{"text":"So No. I'm just All opening good. your email now. Legend. So when you open that one there, you'll see it has a button that says click to start or sign. If you can click Find on document. that button, it'll, yeah, it'll take you forward so you can view the document. I will never ask you to sign anything you haven't read, so it does allow you to go through and look at it prior to signing anything. Okay. Sure. Okay.","start_word":57,"end_word":138,"sentiment":"neutral","sentiment_score":0.110873244702816},{"text":"Excellent.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.4697812795639038},{"text":"So how to kinda give you a run through how we sort of do things is we do the annual review first, and then we provide the advice to make the recommendations, and then you get to decide what you're comfortable taking. Okay. Sure. Okay.","start_word":140,"end_word":184,"sentiment":"neutral","sentiment_score":0.22340668737888336},{"text":"Excellent. Perfect.","start_word":185,"end_word":186,"sentiment":"positive","sentiment_score":0.4856651425361634},{"text":"Now before I do kinda go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":187,"end_word":224,"sentiment":"neutral","sentiment_score":0.14755207300186157},{"text":"Fantastic.","start_word":225,"end_word":225,"sentiment":"positive","sentiment_score":0.5395968556404114},{"text":"And I'll just do a quick security check there for you as well before I discuss your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Travis Roy, June 21, Yep. 85, And 11 Wilkins Crescent Drawn.","start_word":226,"end_word":276,"sentiment":"neutral","sentiment_score":0.13833874464035034},{"text":"Beautiful. Thank you so much for that.","start_word":277,"end_word":283,"sentiment":"positive","sentiment_score":0.5477684736251831},{"text":"So when you can see the document, it should say statement of advice prepared for yourself as of yesterday's date. Can you see Yep. that? Yep. Got that open.","start_word":284,"end_word":312,"sentiment":"neutral","sentiment_score":0.15406864881515503},{"text":"Beautiful. Excellent.","start_word":313,"end_word":314,"sentiment":"positive","sentiment_score":0.4462674856185913},{"text":"On the bottom that it has there, my authorized representative details. So the document has been prepared by myself and my team here, and my license number registered with ASIC is 1304394. Okay? Okay. I will skip a couple of pages because you do gonna get to go back and have a read through it as well just to sort of touch on the errors that I need to today for you. With if you can scroll down for me to page number three, this is called the scope of the advice. Yep.","start_word":315,"end_word":407,"sentiment":"neutral","sentiment_score":0.09042604387767854},{"text":"Beautiful.","start_word":408,"end_word":408,"sentiment":"positive","sentiment_score":0.6653361320495605},{"text":"So we're looking at superannuation essentially. So you were hoping to be able to retire around about the age of 60 there. We've Yep. talked about some underperforming investments, addressing those, and making some changes to your portfolio to make sure that it is working a little bit harder for you, and then making sure we catch up in six months' time to sort of see how things are tracking and look at whether any additional changes need to be made as well. Does that still sound appropriate? Do you have any changes that you would wanna make to that at all? No.","start_word":409,"end_word":511,"sentiment":"neutral","sentiment_score":0.11679535359144212},{"text":"That sounds good.","start_word":512,"end_word":514,"sentiment":"positive","sentiment_score":0.3351820111274719},{"text":"No.","start_word":515,"end_word":515,"sentiment":"neutral","sentiment_score":0.16431647539138794},{"text":"Beautiful.","start_word":516,"end_word":516,"sentiment":"positive","sentiment_score":0.5514663457870483},{"text":"I've also included the state planning side of things underneath that. Essentially, your beneficiary nomination on hub is and Clearview is appropriate.","start_word":517,"end_word":538,"sentiment":"neutral","sentiment_score":0.29884806275367737},{"text":"It meets your needs.","start_word":539,"end_word":542,"sentiment":"positive","sentiment_score":0.3482266962528229},{"text":"However, I do scoping this just to sort of make sure we're recommending that you do seek the services of a solicitor to your upwells and power of attorneys and review those on a regular basis as well just to make sure everything else is up to date. And I remember I sent through the email just with a bit more information there. Did you happen to receive that email at all? I have received it. I don't think I've actually Yep. gone through it yet. No. That's okay. It was a bit long, so I completely understand. No need Yeah. to worry. That's fine.","start_word":543,"end_word":647,"sentiment":"neutral","sentiment_score":0.0216064490377903},{"text":"Excellent.","start_word":648,"end_word":648,"sentiment":"positive","sentiment_score":0.5688647031784058},{"text":"On the next page there, we got the insurances. So you were happy with the level of cover that you do have at the moment. We're not reviewing that currently. However, we'll make sure to review that down the track. So at the moment, I've scoped it into a limited scope. It's about noting that your insurances are paid out of super, so we have to scope it into the advice to make sure that is reflective of any projections that we do. Okay? Okay.","start_word":649,"end_word":733,"sentiment":"neutral","sentiment_score":0.06879360228776932},{"text":"Excellent.","start_word":734,"end_word":734,"sentiment":"positive","sentiment_score":0.5066171288490295},{"text":"On the next page, we've got areas that we're not looking at. So we're not looking at debt or cash flow around at the moment. Any additional advice that you do require, we can provide down the track. So this is just about getting your super working a bit harder and replacing some underperforming investments and looking at what we can do to update the portfolio for you. Okay? Okay. Yep.","start_word":735,"end_word":805,"sentiment":"neutral","sentiment_score":-0.00801005493849516},{"text":"Excellent.","start_word":806,"end_word":806,"sentiment":"positive","sentiment_score":0.4230436384677887},{"text":"If I can get you to scroll down for me just to page number 12, this is just taking you through those recommendations, and I'll scroll through these next couple of pages and take you through those sections. Yep. Excellent. You can Okay. see that 30 page two. there? Yep. So you will also assist in all duties? No. It's the page number 12. It should have the heading Sorry. strategy I'll take recommendations. that again. Gotcha. No. You're fine. You're fine. 12. Gotcha. Done. Mhmm. Beautiful. So this one here is recommending that you do retain hub twenty four as part of reviewing your super and the investments. I did go back and have a look at the platform as well as all the other platforms out there. It's about doing doing our research and making sure that the recommendations are appropriate and within your best interest. But Hub twenty four is still an appropriate platform. There's still nothing wrong with it.","start_word":807,"end_word":969,"sentiment":"neutral","sentiment_score":0.11011123657226562},{"text":"It is still good.","start_word":970,"end_word":973,"sentiment":"positive","sentiment_score":0.47527217864990234},{"text":"It does hold over 1,100 different investments, so so we are able to alter the portfolio to make sure it's working harder for you, which is great. Essentially, I did look at switching to another portfolio out or another super fund. And one thing I do take into consideration is the CGT consequences because just like you do a tax return every year, so this is super fund. If we had a look at selling all the investment down and moving to a new platform, it would have cemented or triggered CGT consequences of a little over $1,800 there. So I wanted to find ways and limit the amount of CGT cost on your super so your super fund isn't, you know, having to pay higher CGT cost. So that Yeah. all reflects on your balance. So it's about making sure that things are working harder for you, but that we're not having the Superfund pay huge amounts of tax as well because that reflects in your balance, and you've gotta make that money back. Essentially so remaining in Hub 24 is appropriate.","start_word":974,"end_word":1156,"sentiment":"neutral","sentiment_score":0.06466283585082312},{"text":"I'll take you through the investment switch on what I'm recommending there for you and just continuing to make sure your super contributions go into Hub 24 as appropriate as well.","start_word":1157,"end_word":1187,"sentiment":"positive","sentiment_score":0.3375415503978729},{"text":"Okay? Okay. If you can scroll down for me just to page number 15 sorry. 16. I'll take you through a little bit more around why I've made the recommendations I have. Okay. So what are we actually switching to? Sorry. Two? I'll show you. You're I'll show you in a second. Okay. So Yeah. it pays the same? Page number 16. Yes. Yeah. Yep. One.","start_word":1188,"end_word":1253,"sentiment":"neutral","sentiment_score":0.04722638055682182},{"text":"Beautiful.","start_word":1254,"end_word":1254,"sentiment":"positive","sentiment_score":0.5787612199783325},{"text":"So when we are looking at switching and switching to different investments there, one of the big things to consider is the fee consequences. As I kinda mentioned, your super fund pays CGT. It does it it pays income tax and capital gains tax every year.","start_word":1255,"end_word":1300,"sentiment":"neutral","sentiment_score":0.15181653201580048},{"text":"In order to switch the investments, I was able to reduce the CGT costs down to $245. That's the expected cost of making the switch in the investments. And I've also been able to have a look at much cheaper portfolio for you as well. So the newer portfolio is expected to save you $358 for the year in investment fees, which is a positive as well. Okay?","start_word":1301,"end_word":1368,"sentiment":"positive","sentiment_score":0.6693679690361023},{"text":"Yeah. You're in that growth environment, which as we kinda went through has an 80% split between growth and defensive investment. So your growth investments are Australian international shares, listed property, and commodities, and then you still wanna hold 20% low risk defensive investments like cash, bonds, and fixed interest. Looking at the way your portfolio has been structured in the current portfolio and looking at how it has returned over the past sort of five years, it's averaged around about 8.34%, which isn't bad, but we wanna maximize that as much as possible.","start_word":1369,"end_word":1462,"sentiment":"neutral","sentiment_score":0.24140359429602928},{"text":"So this newer portfolio, on the next line there, has averaged about 10.71%, which is great. And we wanna try and see if we can get that to, you know, maximize or do as much as that over the next couple of years as possible. Essentially, if you can get that 10.71% in this new portfolio with the fee savings included, On the next page, if you go down, you can see over the next five to ten years, it can put you in a much greater position projective wise.","start_word":1463,"end_word":1552,"sentiment":"positive","sentiment_score":0.4374827444553375},{"text":"Yeah. Okay. Yeah.","start_word":1553,"end_word":1555,"sentiment":"neutral","sentiment_score":0.24838924407958984},{"text":"Beautiful.","start_word":1556,"end_word":1556,"sentiment":"positive","sentiment_score":0.551180899143219},{"text":"Now if you go down to page 18, this is where it's got exactly what I wanna do to the the portfolio and the diff and the changes that we wanna make for you. Okay. Yep.","start_word":1557,"end_word":1592,"sentiment":"neutral","sentiment_score":0.23240810632705688},{"text":"Beautiful.","start_word":1593,"end_word":1593,"sentiment":"positive","sentiment_score":0.4322472810745239},{"text":"Should have the red heading investments there. Can you see Yeah. that I'm one? on. Yep. That's Yeah. fine.","start_word":1594,"end_word":1612,"sentiment":"neutral","sentiment_score":0.11424142867326736},{"text":"All good. Beautiful.","start_word":1613,"end_word":1615,"sentiment":"positive","sentiment_score":0.5154499411582947},{"text":"So the main one to sort of look at is that column with the red and green. They're showing the buyers and sales. So having a look at adjusting the portfolio, essentially, we are looking to remove all the battery and lithium tech, has done Yep. really well, has been a bit up and down, but we've also found a different way to sort of hold that those sorts of investments as well as giving you diversification. You're also removing the ban along Australian equities. That investment has been underperforming. So as we went through, we wanna get rid of that out of your portfolio and move that ASAP for you. Yes. We've got here the bank hybrids. Those investments are more defensive in nature, but they are being phased out in the future by the government as well. So whilst we're making changes now, we may as well remove it from your portfolio as well rather than holding them for the next two years and having to remove them at the last minute then for you. Sure. Okay? Okay. Physical gold, at the moment, you've got about 7% in there. It's over 7%. Your portfolio, we wanna hold 10%.","start_word":1616,"end_word":1815,"sentiment":"neutral","sentiment_score":0.013006228134036063},{"text":"We're buying a bit more physical gold, has done really well, has done very well in your portfolio as a whole.","start_word":1816,"end_word":1836,"sentiment":"positive","sentiment_score":0.369852215051651},{"text":"We just need to reweight the portfolio a little bit. Part of this is also making sure we're rebalancing things because, essentially, when your portfolio is out weighted, it means that you could be taking more risk or not taking enough risk, and so you're out weighted against your portfolio, and that can also affect your returns long term as well. So, we're also just rebalancing some of these investments like your physical gold and just purchasing a bit more of that investment for you. Okay? Okay. Okay. Still. You've got your cybersecurity. So this is global cybersecurity. You've got a bit of 7% in there. At the moment, we wanna hold 5%, so we're just gonna rebalance that one, sell a little bit off, and just bring it back down to 5%, essentially. Yeah. With getting rid of the bank hybrids, we still wanna hold defensive investments. And in this sort of environment with that growth environment, we wanna hold around about 20% there. We're gonna buy into 14% of core composite bonds. This is giving you exposure to both government and corporate bonds and a little bit of bank note exposure across the globe as well.","start_word":1837,"end_word":2034,"sentiment":"neutral","sentiment_score":0.01309320516884327},{"text":"So it is giving you diversification, defensive investments, and it's really good for income producing.","start_word":2035,"end_word":2049,"sentiment":"positive","sentiment_score":0.38525763154029846},{"text":"Core composite bonds do pay out regular income payments, which gets paid back into your cash account, and that's redistributed back into the portfolio or reinvested back into the portfolio, which helps with the compounding effect long term as well. Okay? Okay. Yep.","start_word":2050,"end_word":2092,"sentiment":"neutral","sentiment_score":0.2541463077068329},{"text":"Excellent.","start_word":2093,"end_word":2093,"sentiment":"positive","sentiment_score":0.5277165770530701},{"text":"You've also got the S and P 500 in there. You've got about 28.40% at the moment. We wanna hold 30%, so we're gonna buy a little bit more of that. I know there has been a lot of a lot of ups and downs with the S and P and The US market as a whole.","start_word":2094,"end_word":2150,"sentiment":"neutral","sentiment_score":0.062112169993812576},{"text":"However, it is still a good place to see returns. We have seen growth.","start_word":2151,"end_word":2164,"sentiment":"positive","sentiment_score":0.4567385911941528},{"text":"It has been very volatile, but we do realistically see a lot of growth long term out of international equities. So we do wanna hold some international equities. The thing I like about the S and P 500 is that you are tracking the top 500 companies in The US. This can encompass anywhere from 500 to 520 different companies. You're tracking the S and P 500 index, and the makers of the index, the investment committee of the index itself actually meet every quarter, and they review what companies meet the criteria. If a company no longer meets the criteria to be in the S and P 500 index, they are removed out and replaced with other companies as well. So you are always tracking the top 500 companies in The US with that investment, and this one sort of follows the suit in in the way of the indices. It it makes changes along with the index, essentially.","start_word":2165,"end_word":2324,"sentiment":"neutral","sentiment_score":0.16889449954032898},{"text":"It's also a very Sure. low cost investment to hold, giving you good exposure.","start_word":2325,"end_word":2338,"sentiment":"positive","sentiment_score":0.37557289004325867},{"text":"Okay? Okay.","start_word":2339,"end_word":2340,"sentiment":"neutral","sentiment_score":0.21659553050994873},{"text":"Excellent.","start_word":2341,"end_word":2341,"sentiment":"positive","sentiment_score":0.5530415773391724},{"text":"We've got the Van Eck property investment in there. We are removing that ad. Property has done very well over the last couple of years. However, with the changes that we are seeing with legislation and property this year, it has taken a bit of a dip, and therefore, it is underperforming slightly. So we are removing Yeah. that out for the time being. I think it's a place to watch and maybe put back in at a later time if appropriate. Yeah. Okay. Definitely. Yep.","start_word":2342,"end_word":2427,"sentiment":"neutral","sentiment_score":-0.06750687956809998},{"text":"Beautiful.","start_word":2428,"end_word":2428,"sentiment":"positive","sentiment_score":0.640393078327179},{"text":"We've also got the BetaShares Raffy 200. This is Australian Equities. We are removing this completely. We're removing this and the Bannalong, and we found another way, a lower cost way to hold Australian Equities still while still giving you good diversified exposure into the market. Okay? Okay. What's the other way you found? So bottom one, the BetaShares a 200. Sure. This one Okay. here is a low cost passive investment.","start_word":2429,"end_word":2500,"sentiment":"neutral","sentiment_score":0.186083455880483},{"text":"It's tracking the top 200 companies on the ASX. It's actually cheaper than the other two, performed much better, and it's actually one of the highest dividend paying Australian, 200 investment options available on the market. So I like it for its dividends. I like that it's low cost. It's saving you money, and it's also giving you a good exposure into the top 200 companies on the ASX, which is a positive.","start_word":2501,"end_word":2573,"sentiment":"positive","sentiment_score":0.6667535305023193},{"text":"Okay. So what's the actual difference between the BetaShares Rafi and the BetaShares Australia? So this one here pays better dividends. It's much cheaper. And the Raffi has some mid cap stocks in it as well, so it has higher risk of underperformance. So Okay. the bet Cool. it says a 200 is a much better investment to hold, and it pays Yeah. much better dividends as well, which is kinda what we wanna also generate for your portfolio. Yeah. Yeah. That's okay. You've also got the iShares Yep. Europe in there. That is the fourth one from the bottom. That is giving you exposure to the all 16 European countries. We wanna hold 8% of that investment. So, again, diversifying. And whilst you still wanna be in that growth environment, still wanna take risk and get good returns, it's also about trying to mitigate as much market risk as possible. We can't mitigate a 100% of any risk, but we can look at ways to mitigate as much risk as humanly possible. And the best way we have to do that is diversification. So spreading your risk level a lot across different industries, different asset classes, and different countries there as well. And these Yep. sorts of investors definitely help us to do that.","start_word":2574,"end_word":2788,"sentiment":"neutral","sentiment_score":0.12402746826410294},{"text":"This is opening you up to the entire European market, which is great. We wanna Yep.","start_word":2789,"end_word":2804,"sentiment":"positive","sentiment_score":0.4895165860652923},{"text":"hold eight percent of this investment there for you. And then underneath that, you've also got the Japanese one. So we wanna hold from Japan.","start_word":2805,"end_word":2829,"sentiment":"neutral","sentiment_score":0.12199906259775162},{"text":"Japan has been very good. We've seen some really great growth there in recent months.","start_word":2830,"end_word":2844,"sentiment":"positive","sentiment_score":0.5885545015335083},{"text":"And when you think about what happened this year with the fuel crisis that we never actually eventuated, Sure. Yeah.","start_word":2845,"end_word":2864,"sentiment":"neutral","sentiment_score":0.05356812477111816},{"text":"Japan had actually prepared very well for that.","start_word":2865,"end_word":2872,"sentiment":"positive","sentiment_score":0.4043964445590973},{"text":"They had more fuel than most countries did for their for their, you know, residents, Yep.","start_word":2873,"end_word":2888,"sentiment":"neutral","sentiment_score":0.3179950714111328},{"text":"and they have prepared very, very well for that. So they are very good. They have seen really good growth, and we do sort of expect really good things for them.","start_word":2889,"end_word":2919,"sentiment":"positive","sentiment_score":0.6515485644340515},{"text":"The other side of it is China used to be a really good partner for a lot of trade. There is still very high tensions with China out there, so we are finding a lot of people are moving into more other markets, and Japan seems to be one of those that's taking an attachment. Okay. Yeah. We've also then got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe, essentially. It's giving you good diversification. It doesn't hold The US Of A, and that's because we have the S and P 500 above it. So we don't really Sure. need that US exposure.","start_word":2920,"end_word":3033,"sentiment":"neutral","sentiment_score":0.047695744782686234},{"text":"However, it is opening up diversification into the rest of the globe, which is great. That's what we wanna see. We wanna see low cost investments, good dividend producing, and making sure to diversify as much as possible.","start_word":3034,"end_word":3071,"sentiment":"positive","sentiment_score":0.3920275866985321},{"text":"And we wanna hold 8% of this investment.","start_word":3072,"end_word":3079,"sentiment":"neutral","sentiment_score":0.2969670295715332},{"text":"It has done very well over the last couple of years. We wanna sort of see it continue to do so.","start_word":3080,"end_word":3100,"sentiment":"positive","sentiment_score":0.4548040330410004},{"text":"So, essentially, that's we'll we'll put that into your portfolio there as well. Okay. Once we've kinda made the switch, at the end of it, you'll see in the last two columns where you should see your funds. So you'll see 10% in physical gold, 5% in cybersecurity, 14% in physical in core gold composite bonds, 30 Yep. percent in the S and P 500. We'll see 8% in Europe, 5% in Japan, 8% with the all world ex US Vanguard investment, and 20% is sitting in the Australian equity side of things as well. So that's essentially the switches I wanna make.","start_word":3101,"end_word":3203,"sentiment":"neutral","sentiment_score":0.1499605343758481},{"text":"I do like that it stays on CGT. It's only a bit over $200 CGT cost for your super fund to sort of quantify. That means there's less money coming off your balance to be able to complete the switch, and reducing the cost of the investments means more money stays in your portfolio for longer. And then having a better past performance shows that if this investments can perform the way they have over the past five years, given the last five years worth of market conditions, it could put you in a much better position moving forward, which is what we wanna see.","start_word":3204,"end_word":3308,"sentiment":"positive","sentiment_score":0.5259618759155273},{"text":"Does that make Okay. sense? Do you have any questions at all? No. It sounds really good. Yeah.","start_word":3309,"end_word":3326,"sentiment":"neutral","sentiment_score":0.11178075522184372},{"text":"Beautiful.","start_word":3327,"end_word":3327,"sentiment":"positive","sentiment_score":0.3847891092300415},{"text":"That's essentially all I really needed to go through, which is showing you the investments going through the advantages, disadvantages, the risk side of things there as I have. We've outlined a lot more around the advantages, disadvantages, the risks. I've also got a best interest, Judy, noted on the recommendations for you if you wanna read through that as well. It relates it back to your goals and sort of goes through why we have made the recommendations we have. And then below that, we've also got that beneficiary side of things. So it's just a bit more about recommending that you do speak to a solicitor and have a will drawn up for yourself and your family and also powers of attorney, and it's got advantages, disadvantages, Okay. and risks Yep. around those sorts of things for you as well. Okay? Easy. Is there any questions that have come up in any of that? No. That that you've explained it really well.","start_word":3328,"end_word":3491,"sentiment":"neutral","sentiment_score":0.10883061587810516},{"text":"Yeah. Thank you. I enjoy what I do. I really appreciate the opportunity to do this for you.","start_word":3492,"end_word":3509,"sentiment":"positive","sentiment_score":0.7102446556091309},{"text":"I just wanna make sure your super works harder for you. I Yeah. do want to allow you the chance to go back and have a read through the document as well. If you do find you have additional questions, please come back and let me know.","start_word":3510,"end_word":3556,"sentiment":"neutral","sentiment_score":0.19628991186618805},{"text":"It's absolutely fine. I love the questions. I think it's important that you're allowed to ask questions. And part of what I love about my job is the educational value as well, not just how you're saying, I'm gonna do this, but this is why I'm doing this. This is how this can help you.","start_word":3557,"end_word":3611,"sentiment":"positive","sentiment_score":0.596937894821167},{"text":"Because at Yeah. the end Gotcha. of the day, I wanna make sure you get to retirement and are able to draw your income and live the life that you've worked so hard for. You've worked way too hard to lose everything now, so No. it's Awesome. really important. Yeah.","start_word":3612,"end_word":3661,"sentiment":"neutral","sentiment_score":0.20955823361873627},{"text":"All good.","start_word":3662,"end_word":3663,"sentiment":"positive","sentiment_score":0.370351642370224},{"text":"That is basically everything. I'll leave you to to have a good afternoon and read through that. If you are happy to proceed with the recommendations, I'll just need to sign the document, return it back to me, and my Yep. team will have it implemented. And then as to our last chat in the annual review, I wanna make sure we do a six month catch up with you. Would you like a catch up prior to six months, or do you still feel like six months is okay? I suppose it's whatever happens in the in the market. If the market's a bit more volatile, we might need to schedule six months Oh, or yeah? less. Yeah. Yeah. But, Absolutely. yeah, if the Well market's a fairly stable, then I think, yeah, six months would be fine. yeah. No worries. What I'll do is I'll jump in. I'll have a little bit of a look over the next few months towards Christmas and see if there's any kind of reason to touch base. If there's not, my team will give you a call in about six months' time, and we'll jump in and have a bit of a catch up then. How does that sound? Yep.","start_word":3664,"end_word":3871,"sentiment":"neutral","sentiment_score":0.10534898191690444},{"text":"Yes. Fantastic. Yeah. Beautiful.","start_word":3872,"end_word":3875,"sentiment":"positive","sentiment_score":0.715151309967041},{"text":"In the meantime, if you find something concerning you and you do wanna have a bit more of a touch base, you just let me know.","start_word":3876,"end_word":3901,"sentiment":"neutral","sentiment_score":0.19124895334243777},{"text":"My team will absolutely book you in, and we can always touch base.","start_word":3902,"end_word":3914,"sentiment":"positive","sentiment_score":0.4082450568675995},{"text":"If they've got like, if they if you call in and just wanna have a quick chat, they'll Yep. also see if I'm available, and I'll happily take the call off the cuff if if if I'm not on the phone as well. So, Yeah. It's not open. yeah. Easy.","start_word":3915,"end_word":3964,"sentiment":"neutral","sentiment_score":0.07275568693876266},{"text":"Beautiful. Oh, thanks, Well, Anna. thank that's okay. Thank you so much for taking my call. I hope you have a lovely afternoon and get to relax.","start_word":3965,"end_word":3991,"sentiment":"positive","sentiment_score":0.6621534824371338},{"text":"No.","start_word":3992,"end_word":3992,"sentiment":"neutral","sentiment_score":0.02141977846622467},{"text":"Thank you very much. You too. Thank you. I'll talk to you soon.","start_word":3993,"end_word":4005,"sentiment":"positive","sentiment_score":0.4366421103477478},{"text":"See you later, Travis. Bye.","start_word":4006,"end_word":4010,"sentiment":"neutral","sentiment_score":0.27292394638061523}],"average":{"sentiment":"neutral","sentiment_score":0.1814037095062359}}}}