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You still have a little bit of time for me to just go over your strategy recommendation with you? Yeah. Okay. Beautiful. Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. Now, essentially, the call today is for me just to go through the recommendations. I did some research on your super investments after the annual review we had a little while ago just to see if we wanted to change anything out and then also looking at doing some contributions. Do you remember that? Yep. Okay. Perfect. So, basically, today is I have prepared the recommendation. Now I did email that to you late last night. You probably haven't had a chance to look at it. But after the call, because, obviously, you are driving now, I will kind of go through the main points with you. And then when you have a moment and it's safe for you to do so later, just have a look through it. And if you have any questions, just let me know. Okay? Yep. Perfect. Now when you do open it, it'll be the same as for the annual review where it will ask you to click on the link to sign the document. It will allow you to open up and look at everything first, though, just to make sure you are happy before it prompts you to sign. Now I do wanna mention as well that there is an expiry date on the document. So it does actually expire on Friday. So if you could that's perfect. That's great. If you have any questions, so let me know. Otherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a result of the advice. Does that make sense? Yep. Beautiful. Now what I will do is I will just kind of scroll down. You'll see there is a lot of information. There's about 36 pages. A lot of it is just compliance just to make sure you fully understand everything, but it is pretty straightforward today. So, essentially, the main part of the recommendation, you can see on page 16 when you get to the document. It basically summarizes everything into a table for you. So part of the research, I also looked at other super funds for you because we still wanna make sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and products and features. So it is important to make sure it's still the best option for you. And after doing all the research, I have recommended that you stay in hub twenty four. It is very competitive when it comes to the fees and investment choices and features. So I have recommended staying hub twenty four. And what we are doing, it is just updating and changing some of your investments, essentially. Now what that actually looks like is summarizing that table for you. But by making a couple of investment changes, it is saving you about $358 per year in just investment fees alone, which is pretty good. Now aside from, obviously, reducing the fees for you, when we are looking at the performance between your current portfolio and the one that I have recommended, it is about a 3.56% difference when we are looking at a five year rolling average period. So the reason we use a five year rolling average, so it's using five years and obviously averaging it out per year, is because it gives us a little bit more certainty of what has happened through the portfolio. Exactly. Sorry. It is just using that longer time frame. Just obviously, we can't guarantee anything with the market, especially because you are exactly. That is 100% right. And now because you are also in an aggressive portfolio short term, you can have more fluctuations as a result. But then long term, you can see those higher returns as well. So, basically, the the recommended portfolio using the five year time frame is about 12.68 versus 9.12. So it has improved quite a bit, which is great, and it's also making it cheaper for you. Now the one thing I do wanna mention as well there is when we do make investment changes, so when we are selling investments, if you've had any gains on those investments, there will be some capital gains tax associated with selling. So that's kind of the same as if you were to, you know, sell an investment property. You have to pay tax on the earning. The same kind of concept applies in the superannuation. It is all taken care of within the super environment, though, so it's not something that you would have to declare in a tax statement or worry about or pay for yourself. It is all within the super environment. That's something I want you to be mindful of. Now I've tried to minimize that as much as possible for you. So if we were to it's kind of the super tax. But, yes, it's tax. Now if I were to sell all of your investments, the capital gains tax would have been about 3,377. So I've obviously kinda minimized that for you. And with the recommendation, it's looking about $516, so quite a lot less, which is good. But something I do want you to obviously be mindful of now the good thing is that you are saving about 358 per year in just investment fees alone. So you very quickly obviously make up that change. Does that make sense? Yeah. Beautiful. Now I have then also projected that forward for five and ten years for you to show you the impact of reducing those fees and improving the returns a little bit for you. What I have also included is you looking at doing about a $100 per week contribution into super. Yep. So I have included that for you so you can see the impact that actually has, which is pretty great. And in the appendix, which is the second attachment, I've showed you what no contributions look like so that you can see basically the the impact of just those contributions. And it does make a pretty big difference. Obviously, the good thing with you making yourself, you can adjust it based on your situation. So if your cash flow, sometimes you can't do it, sometimes you can do a little bit more. Obviously, it gives you that flexibility. Yep. Now when it comes to the return on their portfolio, I have also included twelve months, three years, five years, and ten year time frame to show you a little bit more. And across all all of those, the recommended has outperformed your current portfolio. Now, basically, what it looks like in terms of the investment changes let me just find the page for you, it is outlined in a table to make it nice and easy, and that is page 13 when you do have a look at it. So you will see it's a pretty extensive table. It shows you your investment name. It basically shows you the special code, how much you have allocated to each investment, what that looks like in a dollar value, and then you have another column which is called buy and sell. So, basically, this one shows you everything in red is what we are selling, and then what's in black is what we are either keeping in your portfolio, the investments you already have, or new ones that we've recommended to add through the portfolio. We then have how much of a percentage is allocated through those investments and then also what that looks like from a dollar value point of view. Does that make sense, Peter? Yep. Yes. Exactly. That kind of summarizes. The rest of it is just kind of all puts it into word for you so you can also have a read over everything. But that kind of summarizes that in a table to make it nice and easy. Now I know you're pretty across investments and stuff as well, so I won't go through each of them in more detail unless you want me to. That's good? Okay. Now if it was that you wanted to have a read over them to see exactly what's in them and how it's changing, in the appendix, I have included investment links to each and every single one of the investments to give you that full transparency so you can have a read over it. But, essentially, the main change is swapping out the couple that was underperforming, so that Benelon investment. It is swapping out some of your satellite investments and changing them through a couple of other ones that we've received going to put you in a better position moving forward. Now like I touched on as well, we are not changing your risk profile. We are keeping that in the aggressive. You were quite comfortable seeing those fluctuations in the short term, but we are not changing that. Basically, your current portfolio and the proposed are very closely aligned through that aiming for almost a 100% in growth and only a tiny bit in defensive, and that is just basically the minimum cash requirement for '24. Does that make sense? Yep. Beautiful. Now what I have also included for you is just a little bit more information in regards to the contribution of that $100 for you. Now I know we've already touched on this, so I won't go through that in too much detail, but it is also a whole strategy paper, in this strategy talking about those additional contributions and how that $100 per week adds to your superannuation in a very tax effective way because it is only taxed when you obviously put it into super at 15% versus your marginal tax rate, which is higher. Because, obviously, you are self employed in doing it yourself, just let us know at the end of the financial year, ideally, kind of no later than beginning of June, and then we can do that notice of intent to change that tax out for you. Yep. Perfect. Obviously, things to be mindful of is as a contribution cap. So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you. The good thing is that the exactly. Now the good thing is that that contribution cap has increased now with the new financial yet. So it went up from 30,000 to 32,500. So if you're wanting to put more than that, just let me know, and I just wanna run the numbers for you. Yep. Perfect. Obviously, something to be mindful of is when you do put the contributions into super, it is then locked in until you meet a condition of release. So for example, turning 60 and retiring. So, obviously, be be mindful of that is not money you can access if if you need through in the in the short term. Yep. Perfect. Now what I have also included for you is just some information in regards to their beneficiaries. I'm making sure we get that sorted in Hub 24 for you. So if something ever were to happen, you will then go through the person you would like. I've also included some information in regards to will and setting up a power of attorney. It is something I always recommend everyone to consider. So that's all in there, but I'll let you have a read over that in your own time. The last thing there, Peter, is just when it comes to the fee structure, that is not changing whatsoever. Like I told you during the annual review, stays exactly the same at that 1.65, and there's no additional fees and charges in regards to this advice piece. So if you have a read through it through it later when you have a moment and you are happy to proceed, there is no additional fees and charges. Now how to then proceed would be all you need to do is sign the documents digitally, same as you did for the annual review. It will then automatically send it back to me. That tells me that you are happy to go ahead with these couple of investment changes, and we can go ahead and do that for you. But if you do have a read through the document and you have any other questions or anything, you can always just give me a call or send me an email. Okay? Yep. Beautiful. Now, Peter, do you have any questions for me? I know that's probably a lot if you can't see the document, or it's pretty straightforward. Yeah. Yeah. Yes. Yes. Please do. And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment. Otherwise, you can always send me an email. And, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially. Yep. Beautiful. Well, if you don't have any other questions for me, Peter, I will let you go and enjoy the rest of your afternoon. And it was lovely speaking to you, and I look forward to speaking with you soon again. No worries, Peter. We'll speak soon. Alright. 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Is this Peter? This is Veronica from AQ Financial. How are you? That's good.\n\nI'm good as well. Can you hear me a bit better today? Oh, as long as you can hear me, that's good. You still have a little bit of time for me to just go over your strategy recommendation with you? Yeah.\n\nOkay. Beautiful. Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, please?\n\nYep. Yep. Perfect. Now, essentially, the call today is for me just to go through the recommendations. I did some research on your super investments after the annual review we had a little while ago just to see if we wanted to change anything out and then also looking at doing some contributions.\n\nDo you remember that? Yep. Okay. Perfect. So, basically, today is I have prepared the recommendation.\n\nNow I did email that to you late last night. You probably haven't had a chance to look at it. But after the call, because, obviously, you are driving now, I will kind of go through the main points with you. And then when you have a moment and it's safe for you to do so later, just have a look through it. And if you have any questions, just let me know.\n\nOkay? Yep. Perfect. Now when you do open it, it'll be the same as for the annual review where it will ask you to click on the link to sign the document. It will allow you to open up and look at everything first, though, just to make sure you are happy before it prompts you to sign.\n\nNow I do wanna mention as well that there is an expiry date on the document. So it does actually expire on Friday. So if you could that's perfect. That's great. If you have any questions, so let me know.\n\nOtherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a result of the advice. Does that make sense? Yep. Beautiful. Now what I will do is I will just kind of scroll down.\n\nYou'll see there is a lot of information. There's about 36 pages. A lot of it is just compliance just to make sure you fully understand everything, but it is pretty straightforward today. So, essentially, the main part of the recommendation, you can see on page 16 when you get to the document. It basically summarizes everything into a table for you.\n\nSo part of the research, I also looked at other super funds for you because we still wanna make sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and products and features. So it is important to make sure it's still the best option for you. And after doing all the research, I have recommended that you stay in hub twenty four. It is very competitive when it comes to the fees and investment choices and features. So I have recommended staying hub twenty four.\n\nAnd what we are doing, it is just updating and changing some of your investments, essentially. Now what that actually looks like is summarizing that table for you. But by making a couple of investment changes, it is saving you about $358 per year in just investment fees alone, which is pretty good. Now aside from, obviously, reducing the fees for you, when we are looking at the performance between your current portfolio and the one that I have recommended, it is about a 3.56% difference when we are looking at a five year rolling average period. So the reason we use a five year rolling average, so it's using five years and obviously averaging it out per year, is because it gives us a little bit more certainty of what has happened through the portfolio.\n\nExactly. Sorry. It is just using that longer time frame. Just obviously, we can't guarantee anything with the market, especially because you are exactly. That is 100% right.\n\nAnd now because you are also in an aggressive portfolio short term, you can have more fluctuations as a result. But then long term, you can see those higher returns as well. So, basically, the the recommended portfolio using the five year time frame is about 12.68 versus 9.12. So it has improved quite a bit, which is great, and it's also making it cheaper for you. Now the one thing I do wanna mention as well there is when we do make investment changes, so when we are selling investments, if you've had any gains on those investments, there will be some capital gains tax associated with selling.\n\nSo that's kind of the same as if you were to, you know, sell an investment property. You have to pay tax on the earning. The same kind of concept applies in the superannuation. It is all taken care of within the super environment, though, so it's not something that you would have to declare in a tax statement or worry about or pay for yourself. It is all within the super environment.\n\nThat's something I want you to be mindful of. Now I've tried to minimize that as much as possible for you. So if we were to it's kind of the super tax. But, yes, it's tax. Now if I were to sell all of your investments, the capital gains tax would have been about 3,377.\n\nSo I've obviously kinda minimized that for you. And with the recommendation, it's looking about $516, so quite a lot less, which is good. But something I do want you to obviously be mindful of now the good thing is that you are saving about 358 per year in just investment fees alone. So you very quickly obviously make up that change. Does that make sense?\n\nYeah. Beautiful. Now I have then also projected that forward for five and ten years for you to show you the impact of reducing those fees and improving the returns a little bit for you. What I have also included is you looking at doing about a $100 per week contribution into super. Yep.\n\nSo I have included that for you so you can see the impact that actually has, which is pretty great. And in the appendix, which is the second attachment, I've showed you what no contributions look like so that you can see basically the the impact of just those contributions. And it does make a pretty big difference. Obviously, the good thing with you making yourself, you can adjust it based on your situation. So if your cash flow, sometimes you can't do it, sometimes you can do a little bit more.\n\nObviously, it gives you that flexibility. Yep. Now when it comes to the return on their portfolio, I have also included twelve months, three years, five years, and ten year time frame to show you a little bit more. And across all all of those, the recommended has outperformed your current portfolio. Now, basically, what it looks like in terms of the investment changes let me just find the page for you, it is outlined in a table to make it nice and easy, and that is page 13 when you do have a look at it.\n\nSo you will see it's a pretty extensive table. It shows you your investment name. It basically shows you the special code, how much you have allocated to each investment, what that looks like in a dollar value, and then you have another column which is called buy and sell. So, basically, this one shows you everything in red is what we are selling, and then what's in black is what we are either keeping in your portfolio, the investments you already have, or new ones that we've recommended to add through the portfolio. We then have how much of a percentage is allocated through those investments and then also what that looks like from a dollar value point of view.\n\nDoes that make sense, Peter? Yep. Yes. Exactly. That kind of summarizes.\n\nThe rest of it is just kind of all puts it into word for you so you can also have a read over everything. But that kind of summarizes that in a table to make it nice and easy. Now I know you're pretty across investments and stuff as well, so I won't go through each of them in more detail unless you want me to. That's good? Okay.\n\nNow if it was that you wanted to have a read over them to see exactly what's in them and how it's changing, in the appendix, I have included investment links to each and every single one of the investments to give you that full transparency so you can have a read over it. But, essentially, the main change is swapping out the couple that was underperforming, so that Benelon investment. It is swapping out some of your satellite investments and changing them through a couple of other ones that we've received going to put you in a better position moving forward. Now like I touched on as well, we are not changing your risk profile. We are keeping that in the aggressive.\n\nYou were quite comfortable seeing those fluctuations in the short term, but we are not changing that. Basically, your current portfolio and the proposed are very closely aligned through that aiming for almost a 100% in growth and only a tiny bit in defensive, and that is just basically the minimum cash requirement for '24. Does that make sense? Yep. Beautiful.\n\nNow what I have also included for you is just a little bit more information in regards to the contribution of that $100 for you. Now I know we've already touched on this, so I won't go through that in too much detail, but it is also a whole strategy paper, in this strategy talking about those additional contributions and how that $100 per week adds to your superannuation in a very tax effective way because it is only taxed when you obviously put it into super at 15% versus your marginal tax rate, which is higher. Because, obviously, you are self employed in doing it yourself, just let us know at the end of the financial year, ideally, kind of no later than beginning of June, and then we can do that notice of intent to change that tax out for you. Yep. Perfect.\n\nObviously, things to be mindful of is as a contribution cap. So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you. The good thing is that the exactly. Now the good thing is that that contribution cap has increased now with the new financial yet. So it went up from 30,000 to 32,500.\n\nSo if you're wanting to put more than that, just let me know, and I just wanna run the numbers for you. Yep. Perfect. Obviously, something to be mindful of is when you do put the contributions into super, it is then locked in until you meet a condition of release. So for example, turning 60 and retiring.\n\nSo, obviously, be be mindful of that is not money you can access if if you need through in the in the short term. Yep. Perfect. Now what I have also included for you is just some information in regards to their beneficiaries. I'm making sure we get that sorted in Hub 24 for you.\n\nSo if something ever were to happen, you will then go through the person you would like. I've also included some information in regards to will and setting up a power of attorney. It is something I always recommend everyone to consider. So that's all in there, but I'll let you have a read over that in your own time. The last thing there, Peter, is just when it comes to the fee structure, that is not changing whatsoever.\n\nLike I told you during the annual review, stays exactly the same at that 1.65, and there's no additional fees and charges in regards to this advice piece. So if you have a read through it through it later when you have a moment and you are happy to proceed, there is no additional fees and charges. Now how to then proceed would be all you need to do is sign the documents digitally, same as you did for the annual review. It will then automatically send it back to me. That tells me that you are happy to go ahead with these couple of investment changes, and we can go ahead and do that for you.\n\nBut if you do have a read through the document and you have any other questions or anything, you can always just give me a call or send me an email. Okay? Yep. Beautiful. Now, Peter, do you have any questions for me?\n\nI know that's probably a lot if you can't see the document, or it's pretty straightforward. Yeah. Yeah. Yes. Yes.\n\nPlease do. And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment. Otherwise, you can always send me an email. And, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially. Yep.\n\nBeautiful. Well, if you don't have any other questions for me, Peter, I will let you go and enjoy the rest of your afternoon. And it was lovely speaking to you, and I look forward to speaking with you soon again. No worries, Peter. We'll speak soon.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.2968805432319641},{"text":"Is this Peter?","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.15353899697462717},{"text":"This is Veronica from AQ Financial.","start":4.3199997,"end":6.5,"sentiment":"neutral","sentiment_score":0.20948059856891632},{"text":"How are you?","start":6.64,"end":9.059999,"sentiment":"neutral","sentiment_score":0.2875249634186427},{"text":"That's good.","start":9.12,"end":9.84,"sentiment":"positive","sentiment_score":0.6459944248199463}],"sentiment":"neutral","sentiment_score":0.2791140880435705,"num_words":16,"start":1.5999999,"end":9.84},{"sentences":[{"text":"I'm good as well.","start":9.84,"end":10.719999,"sentiment":"positive","sentiment_score":0.6141170859336853},{"text":"Can you hear me a bit better today?","start":10.719999,"end":12.42,"sentiment":"neutral","sentiment_score":0.14949295856058598},{"text":"Oh, as long as you can hear me, that's good.","start":16.335,"end":18.595,"sentiment":"neutral","sentiment_score":0.2534013599157333},{"text":"You still have a little bit of time for me to just go over your strategy recommendation with you?","start":19.695,"end":24.675,"sentiment":"neutral","sentiment_score":0.15989570437293305},{"text":"Yeah.","start":25.775,"end":26.095,"sentiment":"neutral","sentiment_score":0.10680420696735382}],"sentiment":"neutral","sentiment_score":0.22217257622452008,"num_words":42,"start":9.84,"end":26.095},{"sentences":[{"text":"Okay.","start":26.095,"end":26.494999,"sentiment":"neutral","sentiment_score":0.18422801792621613},{"text":"Beautiful.","start":26.494999,"end":26.994999,"sentiment":"positive","sentiment_score":0.3879702687263489},{"text":"Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":27.535,"end":34.71,"sentiment":"neutral","sentiment_score":0.08275493131629352},{"text":"Perfect.","start":36.37,"end":36.87,"sentiment":"neutral","sentiment_score":0.25844794511795044},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, please?","start":36.93,"end":46.175,"sentiment":"neutral","sentiment_score":0.09617426199838519}],"sentiment":"neutral","sentiment_score":0.0985643066233024,"num_words":64,"start":26.095,"end":46.175},{"sentences":[{"text":"Yep.","start":50.075,"end":50.575,"sentiment":"neutral","sentiment_score":0.039089445024728775},{"text":"Yep.","start":54.955,"end":55.455,"sentiment":"neutral","sentiment_score":0.1107410043478012},{"text":"Perfect.","start":55.595,"end":56.095,"sentiment":"neutral","sentiment_score":0.22863712906837463},{"text":"Now, essentially, the call today is for me just to go through the recommendations.","start":57.11,"end":60.89,"sentiment":"neutral","sentiment_score":0.08951139503291675},{"text":"I did some research on your super investments after the annual review we had a little while ago just to see if we wanted to change anything out and then also looking at doing some contributions.","start":61.19,"end":72.875,"sentiment":"neutral","sentiment_score":0.043041752444373235}],"sentiment":"neutral","sentiment_score":0.060021324469795766,"num_words":53,"start":50.075,"end":72.875},{"sentences":[{"text":"Do you remember that?","start":73.015,"end":74.235,"sentiment":"neutral","sentiment_score":0.023106227163225412},{"text":"Yep.","start":75.495,"end":75.815,"sentiment":"neutral","sentiment_score":0.07634414732456207},{"text":"Okay.","start":75.815,"end":76.135,"sentiment":"neutral","sentiment_score":0.14945822954177856},{"text":"Perfect.","start":76.135,"end":76.615,"sentiment":"neutral","sentiment_score":0.24964570999145508},{"text":"So, basically, today is I have prepared the recommendation.","start":76.615,"end":80.315,"sentiment":"neutral","sentiment_score":0.17434841725561354}],"sentiment":"neutral","sentiment_score":0.1335630469257012,"num_words":16,"start":73.015,"end":80.315},{"sentences":[{"text":"Now I did email that to you late last night.","start":81.015,"end":84.295,"sentiment":"neutral","sentiment_score":0.14812751039862632},{"text":"You probably haven't had a chance to look at it.","start":84.295,"end":87.18,"sentiment":"neutral","sentiment_score":0.07554689198732376},{"text":"But after the call, because, obviously, you are driving now, I will kind of go through the main points with you.","start":87.64,"end":93.74,"sentiment":"neutral","sentiment_score":0.1363723629287311},{"text":"And then when you have a moment and it's safe for you to do so later, just have a look through it.","start":93.799995,"end":98.36,"sentiment":"neutral","sentiment_score":0.19005825302817606},{"text":"And if you have any questions, just let me know.","start":98.36,"end":100.40501,"sentiment":"neutral","sentiment_score":0.12529031410813332}],"sentiment":"neutral","sentiment_score":0.14431162127485014,"num_words":73,"start":81.015,"end":100.40501},{"sentences":[{"text":"Okay?","start":100.40501,"end":100.90501,"sentiment":"neutral","sentiment_score":0.11557237058877944},{"text":"Yep.","start":102.005005,"end":102.485,"sentiment":"neutral","sentiment_score":0.24925629794597623},{"text":"Perfect.","start":102.485,"end":102.985,"sentiment":"positive","sentiment_score":0.3524506688117981},{"text":"Now when you do open it, it'll be the same as for the annual review where it will ask you to click on the link to sign the document.","start":103.925,"end":112.185005,"sentiment":"neutral","sentiment_score":0.15615879333224789},{"text":"It will allow you to open up and look at everything first, though, just to make sure you are happy before it prompts you to sign.","start":112.565,"end":119.07,"sentiment":"neutral","sentiment_score":0.18130221031606197}],"sentiment":"neutral","sentiment_score":0.17171968641723023,"num_words":58,"start":100.40501,"end":119.07},{"sentences":[{"text":"Now I do wanna mention as well that there is an expiry date on the document.","start":120.810005,"end":126.990005,"sentiment":"neutral","sentiment_score":0.09636450768448412},{"text":"So it does actually expire on Friday.","start":127.295,"end":130.515,"sentiment":"neutral","sentiment_score":0.07921449999724116},{"text":"So if you could that's perfect.","start":131.135,"end":134.355,"sentiment":"positive","sentiment_score":0.538104236125946},{"text":"That's great.","start":134.415,"end":135.235,"sentiment":"positive","sentiment_score":0.8675066828727722},{"text":"If you have any questions, so let me know.","start":136.33499,"end":138.515,"sentiment":"positive","sentiment_score":0.36533324586020577}],"sentiment":"neutral","sentiment_score":0.25869929045438766,"num_words":40,"start":120.810005,"end":138.515},{"sentences":[{"text":"Otherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a result of the advice.","start":139.055,"end":155.625,"sentiment":"neutral","sentiment_score":0.2738897300818387},{"text":"Does that make sense?","start":155.625,"end":156.765,"sentiment":"neutral","sentiment_score":0.1433311440050602},{"text":"Yep.","start":157.865,"end":158.265,"sentiment":"neutral","sentiment_score":0.2963305711746216},{"text":"Beautiful.","start":158.265,"end":158.765,"sentiment":"positive","sentiment_score":0.6631265878677368},{"text":"Now what I will do is I will just kind of scroll down.","start":159.145,"end":162.265,"sentiment":"neutral","sentiment_score":0.2629372821404384}],"sentiment":"neutral","sentiment_score":0.270276323386601,"num_words":70,"start":139.055,"end":162.265},{"sentences":[{"text":"You'll see there is a lot of information.","start":162.265,"end":164.125,"sentiment":"neutral","sentiment_score":0.17698218300938606},{"text":"There's about 36 pages.","start":164.345,"end":165.945,"sentiment":"neutral","sentiment_score":0.14532871171832085},{"text":"A lot of it is just compliance just to make sure you fully understand everything, but it is pretty straightforward today.","start":165.945,"end":173.65,"sentiment":"neutral","sentiment_score":0.24161516910507566},{"text":"So, essentially, the main part of the recommendation, you can see on page 16 when you get to the document.","start":174.19,"end":182.885,"sentiment":"neutral","sentiment_score":0.1696254748851061},{"text":"It basically summarizes everything into a table for you.","start":183.66501,"end":187.825,"sentiment":"neutral","sentiment_score":0.21826635797818503}],"sentiment":"neutral","sentiment_score":0.200451573897754,"num_words":62,"start":162.265,"end":187.825},{"sentences":[{"text":"So part of the research, I also looked at other super funds for you because we still wanna make sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and products and features.","start":187.825,"end":201.11,"sentiment":"neutral","sentiment_score":0.1592058946002037},{"text":"So it is important to make sure it's still the best option for you.","start":201.11,"end":204.55,"sentiment":"neutral","sentiment_score":0.18238081889493124},{"text":"And after doing all the research, I have recommended that you stay in hub twenty four.","start":204.55,"end":210.305,"sentiment":"neutral","sentiment_score":0.042735904455184937},{"text":"It is very competitive when it comes to the fees and investment choices and features.","start":210.305,"end":215.125,"sentiment":"neutral","sentiment_score":0.21775334030389787},{"text":"So I have recommended staying hub twenty four.","start":215.505,"end":218.225,"sentiment":"neutral","sentiment_score":0.04700931627303362}],"sentiment":"neutral","sentiment_score":0.14362157616764307,"num_words":100,"start":187.825,"end":218.225},{"sentences":[{"text":"And what we are doing, it is just updating and changing some of your investments, essentially.","start":218.225,"end":223.3,"sentiment":"neutral","sentiment_score":0.10478600487112999},{"text":"Now what that actually looks like is summarizing that table for you.","start":224.8,"end":229.28,"sentiment":"neutral","sentiment_score":0.18068019983669123},{"text":"But by making a couple of investment changes, it is saving you about $358 per year in just investment fees alone, which is pretty good.","start":229.28,"end":241.155,"sentiment":"positive","sentiment_score":0.5359820234775543},{"text":"Now aside from, obviously, reducing the fees for you, when we are looking at the performance between your current portfolio and the one that I have recommended, it is about a 3.56% difference when we are looking at a five year rolling average period.","start":243.05501,"end":261.74,"sentiment":"neutral","sentiment_score":0.09423075167631562},{"text":"So the reason we use a five year rolling average, so it's using five years and obviously averaging it out per year, is because it gives us a little bit more certainty of what has happened through the portfolio.","start":262.275,"end":273.655,"sentiment":"neutral","sentiment_score":0.25456658999125165}],"sentiment":"neutral","sentiment_score":0.2302833760759848,"num_words":136,"start":218.225,"end":273.655},{"sentences":[{"text":"Exactly.","start":277.23502,"end":277.73502,"sentiment":"neutral","sentiment_score":0.0541929230093956},{"text":"Sorry.","start":278.09,"end":278.25,"sentiment":"neutral","sentiment_score":0.017922410741448402},{"text":"It is just using that longer time frame.","start":278.25,"end":280.89,"sentiment":"neutral","sentiment_score":0.04189265915192664},{"text":"Just obviously, we can't guarantee anything with the market, especially because you are exactly.","start":280.89,"end":287.15002,"sentiment":"neutral","sentiment_score":0.050180278186287196},{"text":"That is 100% right.","start":289.21002,"end":290.25,"sentiment":"positive","sentiment_score":0.39107953757047653}],"sentiment":"neutral","sentiment_score":0.095503523280578,"num_words":28,"start":277.23502,"end":290.25},{"sentences":[{"text":"And now because you are also in an aggressive portfolio short term, you can have more fluctuations as a result.","start":290.25,"end":296.405,"sentiment":"neutral","sentiment_score":0.14933308400213718},{"text":"But then long term, you can see those higher returns as well.","start":296.70502,"end":300.245,"sentiment":"positive","sentiment_score":0.3679283360640208},{"text":"So, basically, the the recommended portfolio using the five year time frame is about 12.68 versus 9.12.","start":300.545,"end":309.82,"sentiment":"neutral","sentiment_score":0.24302335609407985},{"text":"So it has improved quite a bit, which is great, and it's also making it cheaper for you.","start":309.82,"end":314.24002,"sentiment":"positive","sentiment_score":0.6633390386899313},{"text":"Now the one thing I do wanna mention as well there is when we do make investment changes, so when we are selling investments, if you've had any gains on those investments, there will be some capital gains tax associated with selling.","start":315.5,"end":329.94498,"sentiment":"neutral","sentiment_score":0.02564369953636612}],"sentiment":"neutral","sentiment_score":0.225232448104188,"num_words":109,"start":290.25,"end":329.94498},{"sentences":[{"text":"So that's kind of the same as if you were to, you know, sell an investment property.","start":330.32498,"end":333.76498,"sentiment":"neutral","sentiment_score":0.012821563136051683},{"text":"You have to pay tax on the earning.","start":333.76498,"end":335.625,"sentiment":"neutral","sentiment_score":0.0017534992657601833},{"text":"The same kind of concept applies in the superannuation.","start":335.685,"end":338.50497,"sentiment":"neutral","sentiment_score":0.05160827313860258},{"text":"It is all taken care of within the super environment, though, so it's not something that you would have to declare in a tax statement or worry about or pay for yourself.","start":339.49002,"end":347.75,"sentiment":"neutral","sentiment_score":0.044470766093581915},{"text":"It is all within the super environment.","start":348.37,"end":350.37,"sentiment":"neutral","sentiment_score":0.097559212573937}],"sentiment":"neutral","sentiment_score":0.03838969902326799,"num_words":73,"start":330.32498,"end":350.37},{"sentences":[{"text":"That's something I want you to be mindful of.","start":350.37,"end":352.395,"sentiment":"neutral","sentiment_score":0.022332088814841375},{"text":"Now I've tried to minimize that as much as possible for you.","start":352.63498,"end":356.495,"sentiment":"neutral","sentiment_score":0.04580925420547525},{"text":"So if we were to it's kind of the super tax.","start":356.715,"end":361.375,"sentiment":"neutral","sentiment_score":-0.044252303344282234},{"text":"But, yes, it's tax.","start":361.51498,"end":362.735,"sentiment":"neutral","sentiment_score":-0.0065188177395612},{"text":"Now if I were to sell all of your investments, the capital gains tax would have been about 3,377.","start":364.395,"end":374.15,"sentiment":"neutral","sentiment_score":0.001090414527999727}],"sentiment":"neutral","sentiment_score":0.004701220328834924,"num_words":55,"start":350.37,"end":374.15},{"sentences":[{"text":"So I've obviously kinda minimized that for you.","start":374.53,"end":377.01,"sentiment":"neutral","sentiment_score":0.03545541374478489},{"text":"And with the recommendation, it's looking about $516, so quite a lot less, which is good.","start":377.01,"end":383.27,"sentiment":"neutral","sentiment_score":0.20738897938281298},{"text":"But something I do want you to obviously be mindful of now the good thing is that you are saving about 358 per year in just investment fees alone.","start":383.615,"end":393.315,"sentiment":"positive","sentiment_score":0.3513831082603027},{"text":"So you very quickly obviously make up that change.","start":393.615,"end":396.12,"sentiment":"positive","sentiment_score":0.33632485899660325},{"text":"Does that make sense?","start":396.12,"end":397.34,"sentiment":"neutral","sentiment_score":0.23993758857250214}],"sentiment":"neutral","sentiment_score":0.2693735031044167,"num_words":66,"start":374.53,"end":397.34},{"sentences":[{"text":"Yeah.","start":398.84,"end":399.24,"sentiment":"positive","sentiment_score":0.4321639835834503},{"text":"Beautiful.","start":399.24,"end":399.74,"sentiment":"positive","sentiment_score":0.7011967897415161},{"text":"Now I have then also projected that forward for five and ten years for you to show you the impact of reducing those fees and improving the returns a little bit for you.","start":400.12,"end":410.22,"sentiment":"positive","sentiment_score":0.49325199470375525},{"text":"What I have also included is you looking at doing about a $100 per week contribution into super.","start":410.565,"end":418.74503,"sentiment":"neutral","sentiment_score":-0.015772744081914425},{"text":"Yep.","start":421.92502,"end":422.24503,"sentiment":"neutral","sentiment_score":0.07821127772331238}],"sentiment":"neutral","sentiment_score":0.3186107126444026,"num_words":54,"start":398.84,"end":422.24503},{"sentences":[{"text":"So I have included that for you so you can see the impact that actually has, which is pretty great.","start":422.24503,"end":427.58002,"sentiment":"neutral","sentiment_score":0.1341247733682394},{"text":"And in the appendix, which is the second attachment, I've showed you what no contributions look like so that you can see basically the the impact of just those contributions.","start":428.2,"end":438.3,"sentiment":"neutral","sentiment_score":0.16209519617259502},{"text":"And it does make a pretty big difference.","start":438.675,"end":440.615,"sentiment":"neutral","sentiment_score":0.2556609157472849},{"text":"Obviously, the good thing with you making yourself, you can adjust it based on your situation.","start":440.915,"end":447.655,"sentiment":"neutral","sentiment_score":0.25458197388798},{"text":"So if your cash flow, sometimes you can't do it, sometimes you can do a little bit more.","start":447.79498,"end":453.54,"sentiment":"neutral","sentiment_score":0.03765827549311022}],"sentiment":"neutral","sentiment_score":0.1558891219522237,"num_words":92,"start":422.24503,"end":453.54},{"sentences":[{"text":"Obviously, it gives you that flexibility.","start":453.78,"end":455.4,"sentiment":"neutral","sentiment_score":0.1816713015238444},{"text":"Yep.","start":457.54,"end":458.04,"sentiment":"neutral","sentiment_score":0.17872366309165957},{"text":"Now when it comes to the return on their portfolio, I have also included twelve months, three years, five years, and ten year time frame to show you a little bit more.","start":458.82,"end":467.905,"sentiment":"neutral","sentiment_score":0.13122315076179802},{"text":"And across all all of those, the recommended has outperformed your current portfolio.","start":467.905,"end":472.485,"sentiment":"positive","sentiment_score":0.39582502383452195},{"text":"Now, basically, what it looks like in terms of the investment changes let me just find the page for you, it is outlined in a table to make it nice and easy, and that is page 13 when you do have a look at it.","start":475.10498,"end":490.94998,"sentiment":"neutral","sentiment_score":0.1973417275481754}],"sentiment":"neutral","sentiment_score":0.2009690241868963,"num_words":97,"start":453.78,"end":490.94998},{"sentences":[{"text":"So you will see it's a pretty extensive table.","start":490.94998,"end":493.37,"sentiment":"neutral","sentiment_score":0.2072891609536277},{"text":"It shows you your investment name.","start":493.685,"end":495.86502,"sentiment":"neutral","sentiment_score":0.11058460486431916},{"text":"It basically shows you the special code, how much you have allocated to each investment, what that looks like in a dollar value, and then you have another column which is called buy and sell.","start":495.92502,"end":506.825,"sentiment":"neutral","sentiment_score":0.10890858013715063},{"text":"So, basically, this one shows you everything in red is what we are selling, and then what's in black is what we are either keeping in your portfolio, the investments you already have, or new ones that we've recommended to add through the portfolio.","start":506.965,"end":521.43,"sentiment":"neutral","sentiment_score":0.09281573580069975},{"text":"We then have how much of a percentage is allocated through those investments and then also what that looks like from a dollar value point of view.","start":522.40497,"end":531.52496,"sentiment":"neutral","sentiment_score":0.11775333599911796}],"sentiment":"neutral","sentiment_score":0.11243093247748603,"num_words":121,"start":490.94998,"end":531.52496},{"sentences":[{"text":"Does that make sense, Peter?","start":531.52496,"end":532.90497,"sentiment":"neutral","sentiment_score":0.11402669250965118},{"text":"Yep.","start":534.40497,"end":534.90497,"sentiment":"neutral","sentiment_score":0.0768241435289383},{"text":"Yes.","start":537.52496,"end":537.9,"sentiment":"neutral","sentiment_score":0.166404128074646},{"text":"Exactly.","start":538.06,"end":538.38,"sentiment":"neutral","sentiment_score":0.23424631357192993},{"text":"That kind of summarizes.","start":538.38,"end":539.44,"sentiment":"neutral","sentiment_score":0.2925560623407364}],"sentiment":"neutral","sentiment_score":0.18481935809055963,"num_words":12,"start":531.52496,"end":539.44},{"sentences":[{"text":"The rest of it is just kind of all puts it into word for you so you can also have a read over everything.","start":539.5,"end":544.7,"sentiment":"neutral","sentiment_score":0.22853264895578226},{"text":"But that kind of summarizes that in a table to make it nice and easy.","start":544.7,"end":548.32,"sentiment":"positive","sentiment_score":0.4465711782375971},{"text":"Now I know you're pretty across investments and stuff as well, so I won't go through each of them in more detail unless you want me to.","start":549.10004,"end":557.535,"sentiment":"neutral","sentiment_score":0.10529976158782288},{"text":"That's good?","start":559.595,"end":560.33496,"sentiment":"positive","sentiment_score":0.3775041103363037},{"text":"Okay.","start":560.39496,"end":560.89496,"sentiment":"neutral","sentiment_score":0.17409701645374298}],"sentiment":"neutral","sentiment_score":0.23123985577536665,"num_words":69,"start":539.5,"end":560.89496},{"sentences":[{"text":"Now if it was that you wanted to have a read over them to see exactly what's in them and how it's changing, in the appendix, I have included investment links to each and every single one of the investments to give you that full transparency so you can have a read over it.","start":562.315,"end":578.51,"sentiment":"neutral","sentiment_score":0.14999699765057475},{"text":"But, essentially, the main change is swapping out the couple that was underperforming, so that Benelon investment.","start":578.65,"end":585.505,"sentiment":"neutral","sentiment_score":0.026172496378421783},{"text":"It is swapping out some of your satellite investments and changing them through a couple of other ones that we've received going to put you in a better position moving forward.","start":585.805,"end":597.42,"sentiment":"neutral","sentiment_score":0.2753221664217211},{"text":"Now like I touched on as well, we are not changing your risk profile.","start":597.88,"end":601.8,"sentiment":"neutral","sentiment_score":-0.02183178492954799},{"text":"We are keeping that in the aggressive.","start":601.8,"end":603.48,"sentiment":"neutral","sentiment_score":0.005016616412571497}],"sentiment":"neutral","sentiment_score":0.13666039671960886,"num_words":123,"start":562.315,"end":603.48},{"sentences":[{"text":"You were quite comfortable seeing those fluctuations in the short term, but we are not changing that.","start":603.48,"end":609.115,"sentiment":"neutral","sentiment_score":0.055255667689968556},{"text":"Basically, your current portfolio and the proposed are very closely aligned through that aiming for almost a 100% in growth and only a tiny bit in defensive, and that is just basically the minimum cash requirement for '24.","start":609.115,"end":622.31995,"sentiment":"neutral","sentiment_score":0.28589866271144465},{"text":"Does that make sense?","start":622.31995,"end":623.38,"sentiment":"neutral","sentiment_score":0.13083862885832787},{"text":"Yep.","start":624.88,"end":625.36,"sentiment":"positive","sentiment_score":0.42701682448387146},{"text":"Beautiful.","start":625.36,"end":625.86,"sentiment":"positive","sentiment_score":0.7423864603042603}],"sentiment":"neutral","sentiment_score":0.221250054655505,"num_words":61,"start":603.48,"end":625.86},{"sentences":[{"text":"Now what I have also included for you is just a little bit more information in regards to the contribution of that $100 for you.","start":626.48,"end":635.355,"sentiment":"neutral","sentiment_score":0.1769813707470894},{"text":"Now I know we've already touched on this, so I won't go through that in too much detail, but it is also a whole strategy paper, in this strategy talking about those additional contributions and how that $100 per week adds to your superannuation in a very tax effective way because it is only taxed when you obviously put it into super at 15% versus your marginal tax rate, which is higher.","start":635.435,"end":658.83997,"sentiment":"neutral","sentiment_score":0.21070600202721027},{"text":"Because, obviously, you are self employed in doing it yourself, just let us know at the end of the financial year, ideally, kind of no later than beginning of June, and then we can do that notice of intent to change that tax out for you.","start":659.14,"end":673.355,"sentiment":"neutral","sentiment_score":0.1139004349546588},{"text":"Yep.","start":674.695,"end":675.015,"sentiment":"neutral","sentiment_score":0.24178920686244965},{"text":"Perfect.","start":675.015,"end":675.515,"sentiment":"positive","sentiment_score":0.4689384698867798}],"sentiment":"neutral","sentiment_score":0.1761759593055166,"num_words":145,"start":626.48,"end":675.515},{"sentences":[{"text":"Obviously, things to be mindful of is as a contribution cap.","start":675.87,"end":679.97003,"sentiment":"neutral","sentiment_score":0.070625593716448},{"text":"So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you.","start":680.03,"end":686.05,"sentiment":"neutral","sentiment_score":0.13907334122520226},{"text":"The good thing is that the exactly.","start":686.27,"end":688.61,"sentiment":"positive","sentiment_score":0.41458448341914583},{"text":"Now the good thing is that that contribution cap has increased now with the new financial yet.","start":688.99,"end":694.385,"sentiment":"positive","sentiment_score":0.48748993347672853},{"text":"So it went up from 30,000 to 32,500.","start":694.445,"end":698.625,"sentiment":"neutral","sentiment_score":0.3079114258289337}],"sentiment":"neutral","sentiment_score":0.2615289864116821,"num_words":69,"start":675.87,"end":698.625},{"sentences":[{"text":"So if you're wanting to put more than that, just let me know, and I just wanna run the numbers for you.","start":699.005,"end":705.66,"sentiment":"neutral","sentiment_score":0.20107491246678613},{"text":"Yep.","start":705.66,"end":706.06,"sentiment":"neutral","sentiment_score":0.24680933356285095},{"text":"Perfect.","start":706.06,"end":706.54,"sentiment":"positive","sentiment_score":0.4408415555953979},{"text":"Obviously, something to be mindful of is when you do put the contributions into super, it is then locked in until you meet a condition of release.","start":706.54,"end":714.94,"sentiment":"neutral","sentiment_score":0.040247769819365606},{"text":"So for example, turning 60 and retiring.","start":714.94,"end":717.36,"sentiment":"neutral","sentiment_score":0.028603211577449526}],"sentiment":"neutral","sentiment_score":0.11031398671711314,"num_words":58,"start":699.005,"end":717.36},{"sentences":[{"text":"So, obviously, be be mindful of that is not money you can access if if you need through in the in the short term.","start":717.78503,"end":723.565,"sentiment":"neutral","sentiment_score":-0.04867515270598233},{"text":"Yep.","start":724.825,"end":725.325,"sentiment":"neutral","sentiment_score":0.20394662022590637},{"text":"Perfect.","start":725.385,"end":725.885,"sentiment":"positive","sentiment_score":0.5274062156677246},{"text":"Now what I have also included for you is just some information in regards to their beneficiaries.","start":726.98505,"end":732.59,"sentiment":"neutral","sentiment_score":0.10785849896423957},{"text":"I'm making sure we get that sorted in Hub 24 for you.","start":732.65,"end":736.49,"sentiment":"neutral","sentiment_score":0.13240812284251055}],"sentiment":"neutral","sentiment_score":0.05428438413549553,"num_words":55,"start":717.78503,"end":736.49},{"sentences":[{"text":"So if something ever were to happen, you will then go through the person you would like.","start":736.49,"end":741.23,"sentiment":"neutral","sentiment_score":0.05784157751237645},{"text":"I've also included some information in regards to will and setting up a power of attorney.","start":741.93,"end":746.98505,"sentiment":"neutral","sentiment_score":0.16845123749226332},{"text":"It is something I always recommend everyone to consider.","start":747.04504,"end":749.685,"sentiment":"positive","sentiment_score":0.38293778234057957},{"text":"So that's all in there, but I'll let you have a read over that in your own time.","start":749.685,"end":754.505,"sentiment":"neutral","sentiment_score":0.18877601789103615},{"text":"The last thing there, Peter, is just when it comes to the fee structure, that is not changing whatsoever.","start":755.125,"end":760.78,"sentiment":"neutral","sentiment_score":0.11166124869334071}],"sentiment":"neutral","sentiment_score":0.1600569456438475,"num_words":79,"start":736.49,"end":760.78},{"sentences":[{"text":"Like I told you during the annual review, stays exactly the same at that 1.65, and there's no additional fees and charges in regards to this advice piece.","start":760.84,"end":770.22003,"sentiment":"neutral","sentiment_score":0.20196810684033803},{"text":"So if you have a read through it through it later when you have a moment and you are happy to proceed, there is no additional fees and charges.","start":770.36,"end":777.905,"sentiment":"positive","sentiment_score":0.3905193844232066},{"text":"Now how to then proceed would be all you need to do is sign the documents digitally, same as you did for the annual review.","start":778.205,"end":784.78503,"sentiment":"neutral","sentiment_score":0.29906390130519866},{"text":"It will then automatically send it back to me.","start":785.07996,"end":787.39996,"sentiment":"positive","sentiment_score":0.514934135807885},{"text":"That tells me that you are happy to go ahead with these couple of investment changes, and we can go ahead and do that for you.","start":787.39996,"end":795.07996,"sentiment":"positive","sentiment_score":0.6387560883393655}],"sentiment":"positive","sentiment_score":0.3905883093292897,"num_words":117,"start":760.84,"end":795.07996},{"sentences":[{"text":"But if you do have a read through the document and you have any other questions or anything, you can always just give me a call or send me an email.","start":795.07996,"end":801.925,"sentiment":"neutral","sentiment_score":0.18676259849340685},{"text":"Okay?","start":801.925,"end":802.425,"sentiment":"neutral","sentiment_score":0.14894244074821472},{"text":"Yep.","start":804.165,"end":804.645,"sentiment":"positive","sentiment_score":0.38011130690574646},{"text":"Beautiful.","start":804.645,"end":805.125,"sentiment":"positive","sentiment_score":0.6149223446846008},{"text":"Now, Peter, do you have any questions for me?","start":805.125,"end":807.045,"sentiment":"neutral","sentiment_score":0.17990684674845803}],"sentiment":"neutral","sentiment_score":0.19890182014814642,"num_words":43,"start":795.07996,"end":807.045},{"sentences":[{"text":"I know that's probably a lot if you can't see the document, or it's pretty straightforward.","start":807.045,"end":811.785,"sentiment":"neutral","sentiment_score":0.04124522628262639},{"text":"Yeah.","start":813.82,"end":814.32,"sentiment":"neutral","sentiment_score":0.02730570361018181},{"text":"Yeah.","start":815.66,"end":816.16,"sentiment":"neutral","sentiment_score":0.05857505276799202},{"text":"Yes.","start":818.13995,"end":818.45996,"sentiment":"neutral","sentiment_score":0.12104471027851103},{"text":"Yes.","start":818.45996,"end":818.86,"sentiment":"neutral","sentiment_score":0.163591668009758}],"sentiment":"neutral","sentiment_score":0.05152203775942325,"num_words":20,"start":807.045,"end":818.86},{"sentences":[{"text":"Please do.","start":818.86,"end":819.68,"sentiment":"neutral","sentiment_score":0.21485503017902374},{"text":"And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment.","start":819.98,"end":824.13995,"sentiment":"neutral","sentiment_score":0.14434544159018475},{"text":"Otherwise, you can always send me an email.","start":824.13995,"end":826.16,"sentiment":"neutral","sentiment_score":0.13861948624253273},{"text":"And, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially.","start":826.635,"end":832.495,"sentiment":"neutral","sentiment_score":0.1868709627053012},{"text":"Yep.","start":834.23505,"end":834.635,"sentiment":"positive","sentiment_score":0.3656675219535827}],"sentiment":"neutral","sentiment_score":0.1670580837025977,"num_words":57,"start":818.86,"end":834.635},{"sentences":[{"text":"Beautiful.","start":834.635,"end":835.135,"sentiment":"positive","sentiment_score":0.34489116072654724},{"text":"Well, if you don't have any other questions for me, Peter, I will let you go and enjoy the rest of your afternoon.","start":835.195,"end":840.075,"sentiment":"positive","sentiment_score":0.4546875299318977},{"text":"And it was lovely speaking to you, and I look forward to speaking with you soon again.","start":840.075,"end":843.74,"sentiment":"positive","sentiment_score":0.803808356032652},{"text":"No worries, Peter.","start":845.64,"end":846.60004,"sentiment":"neutral","sentiment_score":0.2946184277534485},{"text":"We'll speak soon.","start":846.60004,"end":847.5,"sentiment":"neutral","sentiment_score":0.25010722627242404}],"sentiment":"positive","sentiment_score":0.5553536885913383,"num_words":47,"start":834.635,"end":847.5},{"sentences":[{"text":"Alright.","start":847.8,"end":848.3,"sentiment":"neutral","sentiment_score":0.1357657015323639},{"text":"Bye.","start":848.52,"end":849.02,"sentiment":"neutral","sentiment_score":0.11997704207897186}],"sentiment":"neutral","sentiment_score":0.12787137180566788,"num_words":2,"start":847.8,"end":849.02}]}}]},{"alternatives":[{"transcript":"Morning. Yeah. Good day. So? Yeah. He said, sir. I'm in the car again, but I think he said he wasn't in it. Yeah. That's all. Yeah. It's Peter Scott in Baldwin, eight to twelve seventy one. And address is 14 Crude Lane, Crutchmere, Queensland 4500. Yeah. Yeah. Yeah. Cool. No worries. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Okay. Yep. No. No. No. Yeah. Yep. Think that's all we did. I think that's all we discussed that last time anyway. Yeah. The the one for my it's a better It's better verification. Yep. Alright. Yeah. Yeah. Yeah. That's it. I'll buy taxes. Yeah. Yep. Yeah. No. Yeah. We're talking about it's not doing that. Yeah. Yeah. Yeah. Of course. Yeah. Alright. Cool. Yeah. Yep. Yeah. No. Yep. That's high school. Yeah. High school and then 16 at the high school high school. Is that? Yep. Yep. Yeah. Yep. Yeah. Cool. Yeah. Yep. That's it. Yeah. Mhmm. Okay. Yeah. Alright. Cool. Yeah. Yep. No worries. Yeah. Yeah. Cool. Yeah. Cool. Yep. I'll do that this morning. It's pretty straightforward the same as it was last year. And then well, if I have any questions after I read it, I'll give you a call. Sounds good. Bye. I got it. Cool. Thank you. See you. Bye bye. 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worries.","start":724.125,"end":724.865,"sentiment":"neutral","sentiment_score":0.13746891915798187},{"text":"Yeah.","start":737.16003,"end":737.66003,"sentiment":"neutral","sentiment_score":0.031707845628261566},{"text":"Yeah.","start":741.8,"end":742.3,"sentiment":"neutral","sentiment_score":0.12463417649269104}],"sentiment":"neutral","sentiment_score":0.08749666530638933,"num_words":6,"start":712.89,"end":742.3},{"sentences":[{"text":"Cool.","start":755.685,"end":756.185,"sentiment":"neutral","sentiment_score":0.22188077867031095},{"text":"Yeah.","start":763.1,"end":763.6,"sentiment":"neutral","sentiment_score":0.1676059067249298},{"text":"Cool.","start":770.62,"end":771.12,"sentiment":"positive","sentiment_score":0.40532031655311584},{"text":"Yep.","start":785.345,"end":785.845,"sentiment":"positive","sentiment_score":0.4556998610496521},{"text":"I'll do that this 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Is this Peter?\n\nChannel 1: Yeah.\n\nChannel 0: This is Veronica from AQ Financial. How are\n\nChannel 1: Good day. So?\n\nChannel 0: you? That's good. I'm good as well. Can you hear me a bit better today?\n\nChannel 1: Yeah. He said, sir. I'm in the car again, but I think he said he wasn't in it.\n\nChannel 0: Oh, as long as you can hear me, that's good. You still have a little bit of time for me to just go over your strategy recommendation with you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Beautiful. Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: That's all. Yeah.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's Peter Scott in Baldwin, eight to twelve seventy one.\n\nChannel 0: Yep.\n\nChannel 1: And address is 14 Crude Lane, Crutchmere, Queensland 4500.\n\nChannel 0: Yep. Perfect. Now, essentially, the call today is for me just to go through the recommendations. I did some research on your super investments after the annual review we had a little while ago just to see if\n\nChannel 1: Yeah.\n\nChannel 0: we wanted to change anything out and then also looking at doing some contributions. Do you remember that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect. So, basically, today is I have prepared the recommendation. Now I did email that to you late last night.\n\nYou probably haven't had a chance to look at it. But after the call, because, obviously, you are driving now, I will kind of go through the main points with you. And then when you have a moment and it's safe for you to do so later, just have a look through it. And if you have any questions, just let me know.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Cool. No worries.\n\nChannel 0: Yep. Perfect. Now when you do open it, it'll be the same as for the annual review where it will ask you to click on the link to sign the document. It will\n\nChannel 1: Yeah.\n\nChannel 0: allow you to open up and look at everything first, though, just to make\n\nChannel 1: Yeah.\n\nChannel 0: sure you are happy before it prompts you to sign.\n\nChannel 1: Yeah.\n\nChannel 0: Now I do wanna mention as well that there is an expiry date on the document. So it does actually expire on Friday. So\n\nChannel 1: Yeah.\n\nChannel 0: if you could that's perfect. That's great. If you have any questions, so let me know. Otherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a\n\nChannel 1: Yep.\n\nChannel 0: result of the advice. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Now what I will do is I will just kind of scroll down. You'll see there is a lot of information. There's about 36 pages.\n\nA lot of it is just compliance just to make sure you fully understand everything, but it is pretty straightforward today.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, the main part of the recommendation, you can see on page 16 when you get to the document. It basically summarizes everything into a table for you. So part\n\nChannel 1: Okay.\n\nChannel 0: of the research, I also looked at other super funds for you because we\n\nChannel 1: Yep.\n\nChannel 0: still wanna make sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and products and features. So it is important to make sure it's still the best option for you. And\n\nChannel 1: No.\n\nChannel 0: after doing all the research, I have recommended that you stay in hub twenty four. It is very competitive when it comes to the fees and investment choices and features. So\n\nChannel 1: No.\n\nChannel 0: I have recommended staying hub twenty four. And what we are doing, it is just updating and changing some of your investments, essentially.\n\nChannel 1: No.\n\nChannel 0: Now what that actually looks like is summarizing that table for you. But by making a couple of investment changes, it is saving you about $358 per year in just investment fees alone, which is pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: Now aside from, obviously, reducing the fees for you, when we are looking at the performance between your current portfolio and the one that I have recommended, it is about a 3.56% difference when we are looking at a five year rolling average period.\n\nChannel 1: Yep.\n\nChannel 0: So the reason we use a five year rolling average, so it's using five years and obviously averaging it out per year, is because it gives us a little bit more certainty of what has happened through\n\nChannel 1: Think\n\nChannel 0: the\n\nChannel 1: that's all\n\nChannel 0: portfolio.\n\nChannel 1: we did. I think that's all we discussed that last time anyway.\n\nChannel 0: Exactly. Sorry. It\n\nChannel 1: Yeah.\n\nChannel 0: is just using that longer time frame. Just obviously, we can't guarantee anything with the market,\n\nChannel 1: The\n\nChannel 0: especially\n\nChannel 1: the one\n\nChannel 0: because\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: my it's\n\nChannel 0: are\n\nChannel 1: a better It's\n\nChannel 0: exactly.\n\nChannel 1: better verification.\n\nChannel 0: That is 100% right. And now because you are also in an aggressive portfolio short term, you can have more fluctuations as a result. But then\n\nChannel 1: Yep.\n\nChannel 0: long term, you can see those higher returns as well. So,\n\nChannel 1: Alright.\n\nChannel 0: basically, the the recommended portfolio using the five year time frame is about 12.68 versus 9.12. So it has improved quite a bit, which is great, and it's also making it cheaper for you.\n\nChannel 1: Yeah.\n\nChannel 0: Now the one thing I do wanna mention as well there is when we do make investment changes, so when we are selling investments, if you've had any gains on those investments, there will be some capital gains tax associated with selling. So that's kind of the same as if you were to, you know, sell an investment property. You have to pay tax on the earning. The same kind of concept applies in the\n\nChannel 1: Yeah.\n\nChannel 0: superannuation. It is all taken care of within the super environment, though, so it's not something that you would have to declare\n\nChannel 1: Yeah.\n\nChannel 0: in a tax statement or worry about or pay for yourself. It is all within the super environment. That's something I want you to be mindful of. Now I've tried\n\nChannel 1: That's\n\nChannel 0: to minimize that as much as possible for you. So if\n\nChannel 1: it. I'll\n\nChannel 0: we\n\nChannel 1: buy\n\nChannel 0: were\n\nChannel 1: taxes.\n\nChannel 0: to it's kind of the super tax. But, yes, it's tax. Now if I were to sell all of your investments, the capital gains tax would have been about 3,377. So I've\n\nChannel 1: Yeah.\n\nChannel 0: obviously kinda minimized that for you. And with the recommendation, it's looking about $516, so quite a lot less,\n\nChannel 1: Yep.\n\nChannel 0: which is good. But something I do want you to obviously be mindful of now the good thing is that you are saving about 358 per year in just investment fees alone. So you\n\nChannel 1: Yeah.\n\nChannel 0: very quickly obviously make up that change. Does that make sense? Yeah. Beautiful. Now I have then also projected that forward for five and ten years for you to show you the impact of reducing those fees and improving the returns a little bit for you.\n\nWhat\n\nChannel 1: No.\n\nChannel 0: I have also included is you looking at doing about a $100 per week contribution into super.\n\nChannel 1: Yeah. We're talking about it's not doing that. Yeah.\n\nChannel 0: Yep. So I have included that for you so you can see the impact that actually has, which is pretty\n\nChannel 1: Yeah.\n\nChannel 0: great. And in the appendix, which is the second attachment, I've showed you what no contributions look like so that you can see basically the the impact of just those contributions. And it does make a pretty big difference. Obviously, the good thing with you making yourself, you can adjust it based on your situation. So if your cash\n\nChannel 1: Yeah.\n\nChannel 0: flow,\n\nChannel 1: Of course.\n\nChannel 0: sometimes\n\nChannel 1: Yeah.\n\nChannel 0: you can't do it, sometimes you can do a little bit more. Obviously, it gives you that flexibility.\n\nChannel 1: Alright. Cool.\n\nChannel 0: Yep. Now when it comes to the return on their portfolio, I have also included twelve months, three years, five years, and ten year time frame to show you\n\nChannel 1: Yeah.\n\nChannel 0: a little bit more. And across all all of those, the recommended has outperformed your current portfolio. Now, basically, what it looks like in terms of the investment changes let me just find the page for you, it is outlined in a table to make it nice and easy, and that is\n\nChannel 1: Yep.\n\nChannel 0: page 13 when you do have a look at it. So you will see it's a pretty extensive table. It shows you your investment name. It basically shows you the special code, how much you have allocated to each investment, what that looks like in a dollar value, and then you have another column which is called buy and sell. So, basically, this one shows you everything in red is what\n\nChannel 1: Yeah.\n\nChannel 0: we are selling, and then what's in black is what we are either keeping in your portfolio, the investments you already have, or new\n\nChannel 1: No.\n\nChannel 0: ones that we've recommended to add through the portfolio. We then have how much of a percentage is allocated through those investments and then\n\nChannel 1: Yep.\n\nChannel 0: also what that looks like from a dollar value point of view. Does\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: high\n\nChannel 0: make\n\nChannel 1: school.\n\nChannel 0: sense, Peter?\n\nChannel 1: Yeah. High school and then\n\nChannel 0: Yep.\n\nChannel 1: 16 at the high school high school. Is that?\n\nChannel 0: Yes. Exactly. That kind of summarizes. The rest of it is just kind of all puts it into word for you so you can\n\nChannel 1: Yep.\n\nChannel 0: also have a read over everything. But that kind of\n\nChannel 1: Yep.\n\nChannel 0: summarizes that in a table to make it nice and easy. Now I know you're pretty across investments and stuff as well, so I won't go through each of them in more detail unless you want me to. That's good? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Now if it was that you wanted to have a read over them to see exactly what's in them and how it's changing, in the appendix, I have included investment links to each and every single one of the investments to give you that full transparency so you can have a read over it. But,\n\nChannel 1: Yep.\n\nChannel 0: essentially, the main change is swapping out the couple that was underperforming, so that Benelon investment. It is swapping out some of your satellite investments and changing them through a couple of other ones that we've\n\nChannel 1: Yeah.\n\nChannel 0: received going to put you in a better position moving forward. Now like I touched on as well, we are not changing your risk profile. We are keeping that in the aggressive. You were quite comfortable seeing those fluctuations in the\n\nChannel 1: Cool.\n\nChannel 0: short term, but we are\n\nChannel 1: Yeah.\n\nChannel 0: not changing that. Basically, your current portfolio and the proposed are very closely aligned through that aiming for almost a 100% in growth and only a tiny bit in defensive, and that is just basically the minimum cash requirement for '24. Does that make sense?\n\nChannel 1: Yep. That's it.\n\nChannel 0: Yep. Beautiful. Now what I have also included for you is just a little bit more information in regards to the contribution of that $100 for you. Now I know we've already touched on this, so I won't go through that in too much detail, but it is also a whole strategy paper, in this strategy talking about those additional contributions and how that $100 per week adds to your superannuation in a very tax effective way because it is only taxed when you obviously put it into super at 15% versus your marginal tax rate, which is higher. Because,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, you are self employed in doing it yourself, just let us know at the end of the financial year, ideally, kind of no later than beginning of June, and then we can do that notice of intent to change that tax out for you.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Yep. Perfect. Obviously, things to be mindful of is as a contribution cap. So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you. The good thing is that the exactly.\n\nNow the good thing is that that contribution cap has increased now with the new financial yet. So it went\n\nChannel 1: Yeah.\n\nChannel 0: up from 30,000 to 32,500.\n\nChannel 1: Alright.\n\nChannel 0: So if you're wanting to put more than that, just let me know, and I just wanna run the numbers\n\nChannel 1: Cool.\n\nChannel 0: for you. Yep. Perfect. Obviously, something to be mindful of is when you do put the contributions into super, it is then locked in until\n\nChannel 1: Yeah.\n\nChannel 0: you meet a condition of release. So for example, turning 60 and retiring. So, obviously, be be mindful of that is not money you can access if if you need through in the in the short term.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now what I have also included for you is just some information in regards to their beneficiaries. I'm making sure we get that sorted in Hub 24 for you. So if something\n\nChannel 1: Yeah.\n\nChannel 0: ever were to happen, you will then go through the person you would like.\n\nChannel 1: Yeah.\n\nChannel 0: I've also included some information in regards to will and setting up a power of attorney. It is something I always recommend everyone to consider. So that's all in there, but I'll let you have a read over that in your own time. The last\n\nChannel 1: Cool.\n\nChannel 0: thing there, Peter, is just when it comes to the fee structure, that is not changing whatsoever. Like I told you during the annual review, stays\n\nChannel 1: Yeah.\n\nChannel 0: exactly the same at that 1.65, and there's no additional fees and charges in regards to this advice piece. So if\n\nChannel 1: Cool.\n\nChannel 0: you have a read through it through it later when you have a moment and you are happy to proceed, there is no additional fees and charges. Now how to then proceed would be all you need to do is sign the documents digitally, same as you did for the annual review. It will\n\nChannel 1: Yep.\n\nChannel 0: then automatically send it back to me. That tells me that you are happy to go ahead with these couple of investment changes, and we can go ahead and do that for you. But if you do have a read through the document and you have any other questions or anything, you can always just give me a call or send me an email. Okay?\n\nChannel 1: I'll do that this morning.\n\nChannel 0: Yep. Beautiful. Now, Peter, do you have any questions for me? I know that's probably a lot if you can't see the document, or it's pretty straightforward.\n\nChannel 1: It's pretty straightforward the same as it was\n\nChannel 0: Yeah.\n\nChannel 1: last year. And then well, if I\n\nChannel 0: Yeah.\n\nChannel 1: have any questions after I read it, I'll give you a call.\n\nChannel 0: Yes. Yes. Please do. And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment. Otherwise, you can always send me an email.\n\nAnd, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially.\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Beautiful. Well, if you don't have any other questions for me, Peter, I will let you go and enjoy the rest of your afternoon. And it was lovely speaking to you, and I look forward to speaking\n\nChannel 1: Bye.\n\nChannel 0: with you soon again.\n\nChannel 1: I got it. Cool. Thank you.\n\nChannel 0: No worries,\n\nChannel 1: See\n\nChannel 0: Peter. We'll speak\n\nChannel 1: you.\n\nChannel 0: soon.\n\nChannel 1: Bye\n\nChannel 0: Alright.\n\nChannel 1: bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.11958612501621246}],"sentiment":"neutral","sentiment_score":0.11958612501621246,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.2968805432319641},{"text":"Is this Peter?","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.15353899697462717}],"sentiment":"neutral","sentiment_score":0.21087561547756195,"channel":0,"num_words":5,"start":1.5999999,"end":3.06},{"sentences":[{"text":"Yeah.","start":3.52,"end":4.02,"sentiment":"neutral","sentiment_score":0.16605955362319946}],"sentiment":"neutral","sentiment_score":0.16605955362319946,"channel":1,"num_words":1,"start":3.52,"end":4.02},{"sentences":[{"text":"This is Veronica from AQ Financial.","start":4.3199997,"end":6.5,"sentiment":"neutral","sentiment_score":0.20948059856891632},{"text":"How are","start":6.64,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3202448934316635}],"sentiment":"neutral","sentiment_score":0.23717167228460312,"channel":0,"num_words":8,"start":4.3199997,"end":7.2999997},{"sentences":[{"text":"Good day.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.4469330906867981},{"text":"So?","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.2516055703163147}],"sentiment":"positive","sentiment_score":0.3818239172299703,"channel":1,"num_words":3,"start":7.7599998,"end":8.66},{"sentences":[{"text":"you?","start":8.559999,"end":9.059999,"sentiment":"neutral","sentiment_score":0.222085103392601},{"text":"That's good.","start":9.12,"end":9.84,"sentiment":"positive","sentiment_score":0.6459944248199463},{"text":"I'm good as well.","start":9.84,"end":10.719999,"sentiment":"positive","sentiment_score":0.6141170859336853},{"text":"Can you hear me a bit better today?","start":10.719999,"end":12.42,"sentiment":"neutral","sentiment_score":0.14949295856058598}],"sentiment":"positive","sentiment_score":0.3444323976834615,"channel":0,"num_words":15,"start":8.559999,"end":12.42},{"sentences":[{"text":"Yeah.","start":12.625,"end":12.785,"sentiment":"neutral","sentiment_score":0.029291722923517227},{"text":"He said, sir.","start":12.785,"end":13.505,"sentiment":"neutral","sentiment_score":-0.030824975421031315},{"text":"I'm in the car again, but I think he said he wasn't in it.","start":13.505,"end":16.244999,"sentiment":"neutral","sentiment_score":-0.11266159532325608}],"sentiment":"neutral","sentiment_score":-0.09113586321473122,"channel":1,"num_words":18,"start":12.625,"end":16.244999},{"sentences":[{"text":"Oh, as long as you can hear me, that's good.","start":16.335,"end":18.595,"sentiment":"neutral","sentiment_score":0.2534013599157333},{"text":"You still have a little bit of time for me to just go over your strategy recommendation with you?","start":19.695,"end":24.675,"sentiment":"neutral","sentiment_score":0.15989570437293305}],"sentiment":"neutral","sentiment_score":0.1921390338704504,"channel":0,"num_words":29,"start":16.335,"end":24.675},{"sentences":[{"text":"Yeah.","start":24.705,"end":25.205,"sentiment":"neutral","sentiment_score":0.07344255596399307}],"sentiment":"neutral","sentiment_score":0.07344255596399307,"channel":1,"num_words":1,"start":24.705,"end":25.205},{"sentences":[{"text":"Yeah.","start":25.775,"end":26.095,"sentiment":"neutral","sentiment_score":0.10680420696735382},{"text":"Okay.","start":26.095,"end":26.494999,"sentiment":"neutral","sentiment_score":0.18422801792621613},{"text":"Beautiful.","start":26.494999,"end":26.994999,"sentiment":"positive","sentiment_score":0.3879702687263489},{"text":"Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":27.535,"end":34.71,"sentiment":"neutral","sentiment_score":0.08275493131629352}],"sentiment":"neutral","sentiment_score":0.09621548443101346,"channel":0,"num_words":32,"start":25.775,"end":34.71},{"sentences":[{"text":"That's all.","start":35.1,"end":35.5,"sentiment":"neutral","sentiment_score":0.10159683227539062},{"text":"Yeah.","start":35.5,"end":36.0,"sentiment":"neutral","sentiment_score":0.1617300510406494}],"sentiment":"neutral","sentiment_score":0.12164123853047688,"channel":1,"num_words":3,"start":35.1,"end":36.0},{"sentences":[{"text":"Perfect.","start":36.37,"end":36.87,"sentiment":"neutral","sentiment_score":0.25844794511795044},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, 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do wanna mention as well that there is an expiry date on the document.","start":120.810005,"end":126.990005,"sentiment":"neutral","sentiment_score":0.09636450768448412},{"text":"So it does actually expire on Friday.","start":127.295,"end":130.515,"sentiment":"neutral","sentiment_score":0.07921449999724116},{"text":"So","start":131.135,"end":131.455,"sentiment":"neutral","sentiment_score":0.1547170877456665}],"sentiment":"neutral","sentiment_score":0.09379377961158752,"channel":0,"num_words":24,"start":120.810005,"end":131.455},{"sentences":[{"text":"Yeah.","start":131.31,"end":131.81,"sentiment":"neutral","sentiment_score":0.30148670077323914}],"sentiment":"neutral","sentiment_score":0.30148670077323914,"channel":1,"num_words":1,"start":131.31,"end":131.81},{"sentences":[{"text":"if you could that's perfect.","start":131.455,"end":134.355,"sentiment":"positive","sentiment_score":0.614781665802002},{"text":"That's great.","start":134.415,"end":135.235,"sentiment":"positive","sentiment_score":0.8675066828727722},{"text":"If you have any questions, so let me know.","start":136.33499,"end":138.515,"sentiment":"positive","sentiment_score":0.36533324586020577},{"text":"Otherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a","start":139.055,"end":154.265,"sentiment":"neutral","sentiment_score":0.27650446777648113}],"sentiment":"positive","sentiment_score":0.3348036649681273,"channel":0,"num_words":63,"start":131.455,"end":154.265},{"sentences":[{"text":"Yep.","start":154.24,"end":154.74,"sentiment":"neutral","sentiment_score":0.2321604490280151}],"sentiment":"neutral","sentiment_score":0.2321604490280151,"channel":1,"num_words":1,"start":154.24,"end":154.74},{"sentences":[{"text":"result of the 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email.","start":795.07996,"end":801.925,"sentiment":"neutral","sentiment_score":0.18676259849340685},{"text":"Okay?","start":801.925,"end":802.425,"sentiment":"neutral","sentiment_score":0.14894244074821472}],"sentiment":"positive","sentiment_score":0.405267155285065,"channel":0,"num_words":65,"start":785.39996,"end":802.425},{"sentences":[{"text":"I'll do that this morning.","start":802.615,"end":803.83496,"sentiment":"neutral","sentiment_score":0.1776875913143158}],"sentiment":"neutral","sentiment_score":0.1776875913143158,"channel":1,"num_words":5,"start":802.615,"end":803.83496},{"sentences":[{"text":"Yep.","start":804.165,"end":804.645,"sentiment":"positive","sentiment_score":0.38011130690574646},{"text":"Beautiful.","start":804.645,"end":805.125,"sentiment":"positive","sentiment_score":0.6149223446846008},{"text":"Now, Peter, do you have any questions for me?","start":805.125,"end":807.045,"sentiment":"neutral","sentiment_score":0.17990684674845803},{"text":"I know that's probably a lot if you can't see the document, or it's pretty straightforward.","start":807.045,"end":811.785,"sentiment":"neutral","sentiment_score":0.04124522628262639}],"sentiment":"neutral","sentiment_score":0.12126366269809229,"channel":0,"num_words":27,"start":804.165,"end":811.785},{"sentences":[{"text":"It's pretty straightforward the same as it was","start":812.29004,"end":813.89,"sentiment":"neutral","sentiment_score":0.14000669959932566}],"sentiment":"neutral","sentiment_score":0.14000669959932566,"channel":1,"num_words":8,"start":812.29004,"end":813.89},{"sentences":[{"text":"Yeah.","start":813.82,"end":814.32,"sentiment":"neutral","sentiment_score":0.02730570361018181}],"sentiment":"neutral","sentiment_score":0.02730570361018181,"channel":0,"num_words":1,"start":813.82,"end":814.32},{"sentences":[{"text":"last year.","start":813.89,"end":814.37,"sentiment":"neutral","sentiment_score":0.032714019529521465},{"text":"And then well, if I","start":814.37,"end":815.81,"sentiment":"neutral","sentiment_score":0.05938307121396065}],"sentiment":"neutral","sentiment_score":0.051763342161263735,"channel":1,"num_words":7,"start":813.89,"end":815.81},{"sentences":[{"text":"Yeah.","start":815.66,"end":816.16,"sentiment":"neutral","sentiment_score":0.05857505276799202}],"sentiment":"neutral","sentiment_score":0.05857505276799202,"channel":0,"num_words":1,"start":815.66,"end":816.16},{"sentences":[{"text":"have any questions after I read it, I'll give you a call.","start":815.81,"end":817.91003,"sentiment":"neutral","sentiment_score":0.07383072252074878}],"sentiment":"neutral","sentiment_score":0.07383072252074878,"channel":1,"num_words":12,"start":815.81,"end":817.91003},{"sentences":[{"text":"Yes.","start":818.13995,"end":818.45996,"sentiment":"neutral","sentiment_score":0.12104471027851103},{"text":"Yes.","start":818.45996,"end":818.86,"sentiment":"neutral","sentiment_score":0.163591668009758},{"text":"Please do.","start":818.86,"end":819.68,"sentiment":"neutral","sentiment_score":0.21485503017902374},{"text":"And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment.","start":819.98,"end":824.13995,"sentiment":"neutral","sentiment_score":0.14434544159018475},{"text":"Otherwise, you can always send me an email.","start":824.13995,"end":826.16,"sentiment":"neutral","sentiment_score":0.13861948624253273}],"sentiment":"neutral","sentiment_score":0.14694992814745222,"channel":0,"num_words":35,"start":818.13995,"end":826.16},{"sentences":[{"text":"And, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially.","start":826.635,"end":832.495,"sentiment":"neutral","sentiment_score":0.1868709627053012}],"sentiment":"neutral","sentiment_score":0.1868709627053012,"channel":0,"num_words":23,"start":826.635,"end":832.495},{"sentences":[{"text":"Sounds good.","start":833.245,"end":834.06494,"sentiment":"positive","sentiment_score":0.5689541399478912}],"sentiment":"positive","sentiment_score":0.5689541399478912,"channel":1,"num_words":2,"start":833.245,"end":834.06494},{"sentences":[{"text":"Yep.","start":834.23505,"end":834.635,"sentiment":"positive","sentiment_score":0.3656675219535827},{"text":"Beautiful.","start":834.635,"end":835.135,"sentiment":"positive","sentiment_score":0.34489116072654724},{"text":"Well, if you don't have any other questions for me, Peter, I will let you go and enjoy the rest of your afternoon.","start":835.195,"end":840.075,"sentiment":"positive","sentiment_score":0.4546875299318977},{"text":"And it was lovely speaking to you, and I look forward to speaking","start":840.075,"end":842.84,"sentiment":"positive","sentiment_score":0.8524064192405114}],"sentiment":"positive","sentiment_score":0.5855172452958006,"channel":0,"num_words":38,"start":834.23505,"end":842.84},{"sentences":[{"text":"Bye.","start":842.82996,"end":843.32996,"sentiment":"positive","sentiment_score":0.5695756673812866}],"sentiment":"positive","sentiment_score":0.5695756673812866,"channel":1,"num_words":1,"start":842.82996,"end":843.32996},{"sentences":[{"text":"with you soon again.","start":842.84,"end":843.74,"sentiment":"positive","sentiment_score":0.6458646506071091}],"sentiment":"positive","sentiment_score":0.6458646506071091,"channel":0,"num_words":4,"start":842.84,"end":843.74},{"sentences":[{"text":"I got it.","start":844.02997,"end":844.43,"sentiment":"positive","sentiment_score":0.6625621716181437},{"text":"Cool.","start":844.43,"end":844.67,"sentiment":"positive","sentiment_score":0.7787958383560181},{"text":"Thank you.","start":844.67,"end":845.41,"sentiment":"positive","sentiment_score":0.7922722101211548}],"sentiment":"positive","sentiment_score":0.7251711289087931,"channel":1,"num_words":6,"start":844.02997,"end":845.41},{"sentences":[{"text":"No worries,","start":845.64,"end":846.28,"sentiment":"neutral","sentiment_score":0.2756771147251129}],"sentiment":"neutral","sentiment_score":0.2756771147251129,"channel":0,"num_words":2,"start":845.64,"end":846.28},{"sentences":[{"text":"See","start":846.11,"end":846.61,"sentiment":"positive","sentiment_score":0.34223446249961853}],"sentiment":"positive","sentiment_score":0.34223446249961853,"channel":1,"num_words":1,"start":846.11,"end":846.61},{"sentences":[{"text":"Peter.","start":846.28,"end":846.60004,"sentiment":"neutral","sentiment_score":0.33250105381011963},{"text":"We'll speak","start":846.60004,"end":847.0,"sentiment":"neutral","sentiment_score":0.322461873292923}],"sentiment":"neutral","sentiment_score":0.3258082667986552,"channel":0,"num_words":3,"start":846.28,"end":847.0},{"sentences":[{"text":"you.","start":846.91,"end":847.41,"sentiment":"neutral","sentiment_score":0.305636465549469}],"sentiment":"neutral","sentiment_score":0.305636465549469,"channel":1,"num_words":1,"start":846.91,"end":847.41},{"sentences":[{"text":"soon.","start":847.0,"end":847.5,"sentiment":"neutral","sentiment_score":0.10539793223142624}],"sentiment":"neutral","sentiment_score":0.10539793223142624,"channel":0,"num_words":1,"start":847.0,"end":847.5},{"sentences":[{"text":"Bye","start":847.70996,"end":848.02997,"sentiment":"neutral","sentiment_score":0.1033012643456459}],"sentiment":"neutral","sentiment_score":0.1033012643456459,"channel":1,"num_words":1,"start":847.70996,"end":848.02997},{"sentences":[{"text":"Alright.","start":847.8,"end":848.3,"sentiment":"neutral","sentiment_score":0.1357657015323639}],"sentiment":"neutral","sentiment_score":0.1357657015323639,"channel":0,"num_words":1,"start":847.8,"end":848.3},{"sentences":[{"text":"bye.","start":848.02997,"end":848.52997,"sentiment":"neutral","sentiment_score":0.13110798597335815}],"sentiment":"neutral","sentiment_score":0.13110798597335815,"channel":1,"num_words":1,"start":848.02997,"end":848.52997},{"sentences":[{"text":"Bye.","start":848.52,"end":849.02,"sentiment":"neutral","sentiment_score":0.11997704207897186}],"sentiment":"neutral","sentiment_score":0.11997704207897186,"channel":0,"num_words":1,"start":848.52,"end":849.02},{"sentences":[{"text":"Bye.","start":848.91,"end":849.41,"sentiment":"neutral","sentiment_score":-0.12995925545692444}],"sentiment":"neutral","sentiment_score":-0.12995925545692444,"channel":1,"num_words":1,"start":848.91,"end":849.41}]},"summary":{"result":"success","short":"Representatives from AQ Financial speak with customers to go over their investment strategy recommendations and provide information on fees and contributions. They discuss changes to the investment portfolio, reducing fees, and using a longer time frame. The recommended portfolio outperformed their current portfolio, and representatives explain the benefits of reducing fees and improving returns on the portfolio, including a table and plan to increase contributions. The agents provide information on signing documents digitally and offer to call customers with questions."},"intents":{"segments":[{"text":"You still have a little bit of time for me to just go over your strategy recommendation with you? Yeah.","start_word":61,"end_word":80,"intents":[{"intent":"Go over strategy recommendation","confidence_score":0.114580736}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, please?","start_word":117,"end_word":148,"intents":[{"intent":"Confirm identity","confidence_score":0.66238534},{"intent":"Confirm identity","confidence_score":0.732052},{"intent":"Ask for confirmation","confidence_score":0.0016628691}]},{"text":"And address is 14 Crude Lane, Crutchmere, Queensland 4500.","start_word":160,"end_word":168,"intents":[{"intent":"Confirm address","confidence_score":0.12566447}]},{"text":"Now, essentially, the call today is for me just to go through the recommendations. I did some research on your super investments after the annual review we had a little while ago just to see if Yeah. we wanted to change anything out and then also looking at doing some contributions. Do you remember that? Yeah.","start_word":171,"end_word":226,"intents":[{"intent":"Prepare recommendation","confidence_score":0.24617954}]},{"text":"And if you have any questions, just let me know. Yeah.","start_word":302,"end_word":312,"intents":[{"intent":"Request questions","confidence_score":0.0055578435}]},{"text":"If you have any questions, so let me know. Otherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a Yep. result of the advice. Does that make sense?","start_word":409,"end_word":473,"intents":[{"intent":"Inform and discuss recommendations","confidence_score":0.00033156702}]},{"text":"Now aside from, obviously, reducing the fees for you, when we are looking at the performance between your current portfolio and the one that I have recommended, it is about a 3.56% difference when we are looking at a five year rolling average period. Yep.","start_word":714,"end_word":758,"intents":[{"intent":"Update portfolio performance","confidence_score":0.0012639039}]},{"text":"Now when it comes to the return on their portfolio, I have also included twelve months, three years, five years, and ten year time frame to show you Yeah.","start_word":1338,"end_word":1366,"intents":[{"intent":"Calculate return on investments","confidence_score":0.014026296}]},{"text":"Now if it was that you wanted to have a read over them to see exactly what's in them and how it's changing, in the appendix, I have included investment links to each and every single one of the investments to give you that full transparency so you can have a read over it. But, Yep.","start_word":1655,"end_word":1710,"intents":[{"intent":"Analyze investment outcomes","confidence_score":0.00015800617}]},{"text":"Now what I have also included for you is just a little bit more information in regards to the contribution of that $100 for you.","start_word":1846,"end_word":1870,"intents":[{"intent":"Include contribution information","confidence_score":0.005013877},{"intent":"Provide information","confidence_score":0.008384053}]},{"text":"Obviously, things to be mindful of is as a contribution cap. So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you.","start_word":1994,"end_word":2030,"intents":[{"intent":"Run numbers","confidence_score":0.084662236}]},{"text":"Obviously, things to be mindful of is as a contribution cap. So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you. The good thing is that the exactly. Now the good thing is that that contribution cap has increased now with the new financial yet. So it went Yeah. up from 30,000 to 32,500. Alright.","start_word":1994,"end_word":2064,"intents":[{"intent":"Confirm contribution cap","confidence_score":0.027768856}]},{"text":"thing there, Peter, is just when it comes to the fee structure, that is not changing whatsoever. Like I told you during the annual review, stays Yeah. exactly the same at that 1.65, and there's no additional fees and charges in regards to this advice piece. So if Cool.","start_word":2248,"end_word":2296,"intents":[{"intent":"Discuss fee structure","confidence_score":0.12503852}]},{"text":"Now how to then proceed would be all you need to do is sign the documents digitally, same as you did for the annual review. It will Yep.","start_word":2324,"end_word":2351,"intents":[{"intent":"Prepare documents","confidence_score":0.007173245}]},{"text":"Now, Peter, do you have any questions for me?","start_word":2424,"end_word":2432,"intents":[{"intent":"Ask questions","confidence_score":0.12589273}]},{"text":"And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment. Otherwise, you can always send me an email. And, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially. Sounds good.","start_word":2482,"end_word":2537,"intents":[{"intent":"Receive call back","confidence_score":0.0067417207},{"intent":"Keep looking for document","confidence_score":0.0015391965}]}]},"sentiments":{"segments":[{"text":"Morning. Good morning. Is this Peter? Yeah. This is Veronica from AQ Financial.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.19535745680332184},{"text":"How are Good day.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.39239370822906494},{"text":"So? you?","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.23684534430503845},{"text":"That's good. I'm good as well.","start_word":19,"end_word":24,"sentiment":"positive","sentiment_score":0.6265113353729248},{"text":"Can you hear me a bit better today? Yeah. He said, sir. I'm in the car again, but I think he said he wasn't in it. Oh, as long as you can hear me, that's good. You still have a little bit of time for me to just go over your strategy recommendation with you? Yeah. Yeah. Okay.","start_word":25,"end_word":82,"sentiment":"neutral","sentiment_score":0.09002351760864258},{"text":"Beautiful.","start_word":83,"end_word":83,"sentiment":"positive","sentiment_score":0.3879702687263489},{"text":"Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. That's all. Yeah. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I get you to confirm your full name, date of birth, and address, please? It's Peter Scott in Baldwin, eight to twelve seventy one. Yep. And address is 14 Crude Lane, Crutchmere, Queensland 4500. Yep. Perfect. Now, essentially, the call today is for me just to go through the recommendations. I did some research on your super investments after the annual review we had a little while ago just to see if Yeah. we wanted to change anything out and then also looking at doing some contributions. Do you remember that? Yeah. Yep. Okay. Perfect. So, basically, today is I have prepared the recommendation. Now I did email that to you late last night. You probably haven't had a chance to look at it. But after the call, because, obviously, you are driving now, I will kind of go through the main points with you. And then when you have a moment and it's safe for you to do so later, just have a look through it. And if you have any questions, just let me know. Yeah. Okay? Cool. No worries. Yep.","start_word":84,"end_word":317,"sentiment":"neutral","sentiment_score":0.1019326150417328},{"text":"Perfect.","start_word":318,"end_word":318,"sentiment":"positive","sentiment_score":0.3524506688117981},{"text":"Now when you do open it, it'll be the same as for the annual review where it will ask you to click on the link to sign the document. It will Yeah. allow you to open up and look at everything first, though, just to make Yeah.","start_word":319,"end_word":365,"sentiment":"neutral","sentiment_score":0.11974931690604128},{"text":"sure you are happy before it prompts you to sign.","start_word":366,"end_word":375,"sentiment":"positive","sentiment_score":0.3842272758483886},{"text":"Yeah. Now I do wanna mention as well that there is an expiry date on the document. So it does actually expire on Friday. So Yeah.","start_word":376,"end_word":401,"sentiment":"neutral","sentiment_score":0.1063443124294281},{"text":"if you could that's perfect. That's great. If you have any questions, so let me know.","start_word":402,"end_word":417,"sentiment":"positive","sentiment_score":0.5629860758781433},{"text":"Otherwise, every time we do make a recommendation, we have to act in your best interest, which means that we basically have to make sure that we always put you first above anything else and that the advice itself puts you in a better position as a Yep. result of the advice. Does that make sense? Yep. Yep. Yep.","start_word":418,"end_word":476,"sentiment":"neutral","sentiment_score":0.2533954679965973},{"text":"Beautiful.","start_word":477,"end_word":477,"sentiment":"positive","sentiment_score":0.6631265878677368},{"text":"Now what I will do is I will just kind of scroll down. You'll see there is a lot of information. There's about 36 pages. A lot of it is just compliance just to make sure you fully understand everything, but it is pretty straightforward today. Yep. So, essentially, the main part of the recommendation, you can see on page 16 when you get to the document. It basically summarizes everything into a table for you. So part Okay. of the research, I also looked at other super funds for you because we Yep. still wanna make sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and products and features. So it is important to make sure it's still the best option for you. And No. after doing all the research, I have recommended that you stay in hub twenty four. It is very competitive when it comes to the fees and investment choices and features. So No. I have recommended staying hub twenty four. And what we are doing, it is just updating and changing some of your investments, essentially. No. Now what that actually looks like is summarizing that table for you.","start_word":478,"end_word":686,"sentiment":"neutral","sentiment_score":0.16249753534793854},{"text":"But by making a couple of investment changes, it is saving you about $358 per year in just investment fees alone, which is pretty good.","start_word":687,"end_word":711,"sentiment":"positive","sentiment_score":0.5368619561195374},{"text":"Yeah. Now aside from, obviously, reducing the fees for you, when we are looking at the performance between your current portfolio and the one that I have recommended, it is about a 3.56% difference when we are looking at a five year rolling average period. Yep. So the reason we use a five year rolling average, so it's using five years and obviously averaging it out per year, is because it gives us a little bit more certainty of what has happened through Think the that's all portfolio. we did. I think that's all we discussed that last time anyway. Exactly. Sorry. It Yeah. is just using that longer time frame. Just obviously, we can't guarantee anything with the market, The especially the one because for you my it's are a better It's exactly. better verification.","start_word":712,"end_word":847,"sentiment":"neutral","sentiment_score":0.13812804441241658},{"text":"That is 100% right.","start_word":848,"end_word":851,"sentiment":"positive","sentiment_score":0.3871162533760071},{"text":"And now because you are also in an aggressive portfolio short term, you can have more fluctuations as a result. But then Yep.","start_word":852,"end_word":874,"sentiment":"neutral","sentiment_score":0.1608513444662094},{"text":"long term, you can see those higher returns as well.","start_word":875,"end_word":884,"sentiment":"positive","sentiment_score":0.3902259469032288},{"text":"So, Alright.","start_word":885,"end_word":886,"sentiment":"neutral","sentiment_score":0.22145453095436096},{"text":"basically, the the recommended portfolio using the five year time frame is about 12.68 versus 9.12. So it has improved quite a bit, which is great, and it's also making it cheaper for you.","start_word":887,"end_word":920,"sentiment":"positive","sentiment_score":0.4770239293575287},{"text":"Yeah. Now the one thing I do wanna mention as well there is when we do make investment changes, so when we are selling investments, if you've had any gains on those investments, there will be some capital gains tax associated with selling. So that's kind of the same as if you were to, you know, sell an investment property. You have to pay tax on the earning. The same kind of concept applies in the Yeah. superannuation. It is all taken care of within the super environment, though, so it's not something that you would have to declare Yeah. in a tax statement or worry about or pay for yourself. It is all within the super environment. That's something I want you to be mindful of. Now I've tried That's to minimize that as much as possible for you. So if it. I'll we buy were taxes. to it's kind of the super tax. But, yes, it's tax. Now if I were to sell all of your investments, the capital gains tax would have been about 3,377. So I've Yeah. obviously kinda minimized that for you. And with the recommendation, it's looking about $516, so quite a lot less, Yep.","start_word":921,"end_word":1121,"sentiment":"neutral","sentiment_score":0.03572243357549852},{"text":"which is good. But something I do want you to obviously be mindful of now the good thing is that you are saving about 358 per year in just investment fees alone.","start_word":1122,"end_word":1153,"sentiment":"positive","sentiment_score":0.3766435384750366},{"text":"So you Yeah.","start_word":1154,"end_word":1156,"sentiment":"neutral","sentiment_score":0.279860258102417},{"text":"very quickly obviously make up that change.","start_word":1157,"end_word":1163,"sentiment":"positive","sentiment_score":0.37284231185913086},{"text":"Does that make sense?","start_word":1164,"end_word":1167,"sentiment":"neutral","sentiment_score":0.2403065413236618},{"text":"Yeah. Beautiful. Now I have then also projected that forward for five and ten years for you to show you the impact of reducing those fees and improving the returns a little bit for you.","start_word":1168,"end_word":1202,"sentiment":"positive","sentiment_score":0.49636486172676086},{"text":"What No. I have also included is you looking at doing about a $100 per week contribution into super. Yeah. We're talking about it's not doing that. Yeah. Yep. So I have included that for you so you can see the impact that actually has, which is pretty Yeah.","start_word":1203,"end_word":1251,"sentiment":"neutral","sentiment_score":0.023741133511066437},{"text":"great.","start_word":1252,"end_word":1252,"sentiment":"positive","sentiment_score":0.45958560705184937},{"text":"And in the appendix, which is the second attachment, I've showed you what no contributions look like so that you can see basically the the impact of just those contributions. And it does make a pretty big difference. Obviously, the good thing with you making yourself, you can adjust it based on your situation. So if your cash Yeah. flow, Of course. sometimes Yeah. you can't do it, sometimes you can do a little bit more. Obviously, it gives you that flexibility. Alright. Cool. Yep. Now when it comes to the return on their portfolio, I have also included twelve months, three years, five years, and ten year time frame to show you Yeah. a little bit more.","start_word":1253,"end_word":1370,"sentiment":"neutral","sentiment_score":0.1506178379058838},{"text":"And across all all of those, the recommended has outperformed your current portfolio.","start_word":1371,"end_word":1383,"sentiment":"positive","sentiment_score":0.3910602033138275},{"text":"Now, basically, what it looks like in terms of the investment changes let me just find the page for you, it is outlined in a table to make it nice and easy, and that is Yep. page 13 when you do have a look at it. So you will see it's a pretty extensive table. It shows you your investment name. It basically shows you the special code, how much you have allocated to each investment, what that looks like in a dollar value, and then you have another column which is called buy and sell. So, basically, this one shows you everything in red is what Yeah. we are selling, and then what's in black is what we are either keeping in your portfolio, the investments you already have, or new No. ones that we've recommended to add through the portfolio. We then have how much of a percentage is allocated through those investments and then Yep. also what that looks like from a dollar value point of view. Does That's that high make school. sense, Peter? Yeah. High school and then Yep. 16 at the high school high school. Is that? Yes. Exactly. That kind of summarizes. The rest of it is just kind of all puts it into word for you so you can Yep. also have a read over everything. But that kind of Yep.","start_word":1384,"end_word":1612,"sentiment":"neutral","sentiment_score":0.14883104793109228},{"text":"summarizes that in a table to make it nice and easy.","start_word":1613,"end_word":1623,"sentiment":"positive","sentiment_score":0.49968236684799194},{"text":"Now I know you're pretty across investments and stuff as well, so I won't go through each of them in more detail unless you want me to.","start_word":1624,"end_word":1650,"sentiment":"neutral","sentiment_score":0.10777650773525238},{"text":"That's good?","start_word":1651,"end_word":1652,"sentiment":"positive","sentiment_score":0.3833800256252289},{"text":"Okay. Yeah. Now if it was that you wanted to have a read over them to see exactly what's in them and how it's changing, in the appendix, I have included investment links to each and every single one of the investments to give you that full transparency so you can have a read over it. But, Yep. essentially, the main change is swapping out the couple that was underperforming, so that Benelon investment. It is swapping out some of your satellite investments and changing them through a couple of other ones that we've Yeah.","start_word":1653,"end_word":1747,"sentiment":"neutral","sentiment_score":0.13321051001548767},{"text":"received going to put you in a better position moving forward.","start_word":1748,"end_word":1758,"sentiment":"positive","sentiment_score":0.47168901562690735},{"text":"Now like I touched on as well, we are not changing your risk profile. We are keeping that in the aggressive. You were quite comfortable seeing those fluctuations in the Cool. short term, but we are Yeah. not changing that. Basically, your current portfolio and the proposed are very closely aligned through that aiming for almost a 100% in growth and only a tiny bit in defensive, and that is just basically the minimum cash requirement for '24. Does that make sense? Yep. That's it.","start_word":1759,"end_word":1843,"sentiment":"neutral","sentiment_score":0.14093701234635184},{"text":"Yep. Beautiful.","start_word":1844,"end_word":1845,"sentiment":"positive","sentiment_score":0.5531646609306335},{"text":"Now what I have also included for you is just a little bit more information in regards to the contribution of that $100 for you. Now I know we've already touched on this, so I won't go through that in too much detail, but it is also a whole strategy paper, in this strategy talking about those additional contributions and how that $100 per week adds to your superannuation in a very tax effective way because it is only taxed when you obviously put it into super at 15% versus your marginal tax rate, which is higher. Because, Yeah. obviously, you are self employed in doing it yourself, just let us know at the end of the financial year, ideally, kind of no later than beginning of June, and then we can do that notice of intent to change that tax out for you. Mhmm. Okay. Yep.","start_word":1846,"end_word":1992,"sentiment":"neutral","sentiment_score":0.1731826514005661},{"text":"Perfect.","start_word":1993,"end_word":1993,"sentiment":"positive","sentiment_score":0.4689384698867798},{"text":"Obviously, things to be mindful of is as a contribution cap. So if it was that you decided that you wanna put heaps more in, just let me know so I can run the numbers for you.","start_word":1994,"end_word":2030,"sentiment":"neutral","sentiment_score":0.11877758800983428},{"text":"The good thing is that the exactly. Now the good thing is that that contribution cap has increased now with the new financial yet.","start_word":2031,"end_word":2054,"sentiment":"positive","sentiment_score":0.4589507281780243},{"text":"So it went Yeah. up from 30,000 to 32,500. Alright. So if you're wanting to put more than that, just let me know, and I just wanna run the numbers Cool. for you. Yep.","start_word":2055,"end_word":2088,"sentiment":"neutral","sentiment_score":0.23518051207065585},{"text":"Perfect.","start_word":2089,"end_word":2089,"sentiment":"positive","sentiment_score":0.4408415555953979},{"text":"Obviously, something to be mindful of is when you do put the contributions into super, it is then locked in until Yeah. you meet a condition of release. So for example, turning 60 and retiring. So, obviously, be be mindful of that is not money you can access if if you need through in the in the short term. Yep. No worries. Yep.","start_word":2090,"end_word":2152,"sentiment":"neutral","sentiment_score":0.01979966275393963},{"text":"Perfect.","start_word":2153,"end_word":2153,"sentiment":"positive","sentiment_score":0.5274062156677246},{"text":"Now what I have also included for you is just some information in regards to their beneficiaries. I'm making sure we get that sorted in Hub 24 for you. So if something Yeah. ever were to happen, you will then go through the person you would like. Yeah. I've also included some information in regards to will and setting up a power of attorney.","start_word":2154,"end_word":2217,"sentiment":"neutral","sentiment_score":0.1167251168517396},{"text":"It is something I always recommend everyone to consider.","start_word":2218,"end_word":2226,"sentiment":"positive","sentiment_score":0.37841877341270447},{"text":"So that's all in there, but I'll let you have a read over that in your own time. The last Cool. thing there, Peter, is just when it comes to the fee structure, that is not changing whatsoever. Like I told you during the annual review, stays Yeah. exactly the same at that 1.65, and there's no additional fees and charges in regards to this advice piece.","start_word":2227,"end_word":2293,"sentiment":"neutral","sentiment_score":0.17547821998596191},{"text":"So if Cool. you have a read through it through it later when you have a moment and you are happy to proceed, there is no additional fees and charges.","start_word":2294,"end_word":2323,"sentiment":"positive","sentiment_score":0.392215758562088},{"text":"Now how to then proceed would be all you need to do is sign the documents digitally, same as you did for the annual review.","start_word":2324,"end_word":2348,"sentiment":"neutral","sentiment_score":0.29521283507347107},{"text":"It will Yep. then automatically send it back to me. That tells me that you are happy to go ahead with these couple of investment changes, and we can go ahead and do that for you.","start_word":2349,"end_word":2384,"sentiment":"positive","sentiment_score":0.5892919301986694},{"text":"But if you do have a read through the document and you have any other questions or anything, you can always just give me a call or send me an email. Okay? I'll do that this morning.","start_word":2385,"end_word":2421,"sentiment":"neutral","sentiment_score":0.18297381699085236},{"text":"Yep. Beautiful.","start_word":2422,"end_word":2423,"sentiment":"positive","sentiment_score":0.4740357398986816},{"text":"Now, Peter, do you have any questions for me? I know that's probably a lot if you can't see the document, or it's pretty straightforward. It's pretty straightforward the same as it was Yeah. last year. And then well, if I Yeah. have any questions after I read it, I'll give you a call. Yes. Yes. Please do. And if I'm in a meeting at the moment, I will just give you a callback as soon as I have a moment. Otherwise, you can always send me an email. And, yeah, I'll keep a lookout for that document to come through or to hear from you if what what you decide, essentially.","start_word":2424,"end_word":2535,"sentiment":"neutral","sentiment_score":0.12700197100639343},{"text":"Sounds good. Yep. Beautiful. Well, if you don't have any other questions for me, Peter, I will let you go and enjoy the rest of your afternoon. And it was lovely speaking to you, and I look forward to speaking Bye. with you soon again. I got it. Cool. Thank you.","start_word":2536,"end_word":2586,"sentiment":"positive","sentiment_score":0.5815774962013843},{"text":"No worries, See Peter. We'll speak you. soon. Bye Alright. bye. Bye. Bye.","start_word":2587,"end_word":2599,"sentiment":"neutral","sentiment_score":0.1961449831724167}],"average":{"sentiment":"neutral","sentiment_score":0.18172171739150456}}}}