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Now, Josh, because I called you back, even though I can hear that it is you, I will just need you to just confirm your full name, date of birth, and address again for me. Sorry. Yep. Yep. Beautiful. If it happens again, I'll just call you back, Josh. But, essentially, did you hear that thing about the best interest studio? Do you want me to recap it for you again? Yes. Yes. So so this is this is more just a legislation to protect you. So this has it's to make sure that anything that we recommend and how we act are always in your best interest. It's not anything to do with us. It is making sure that we take whatever is best specifically for you and only you above anything else. It is also to make sure that what we do recommend puts you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if we don't act in just your best interest, then we I will lose my license. So there's a lot of things in place to protect you and make sure that anything we recommend is solely for the benefit of you at the end of the day. Does that make sense? Yep. Okay. Perfect. Now as you scroll through, if you can kind of scroll with me, you will see table of content, pretty self explanatory, scope of advice. Basically, what this means is just the areas we're looking at today. But like I said, pretty simple. Just looking at your superannuation, make sure we continue to grow your superannuation by looking at reducing the level of risk just a little bit to minimize those fluctuations. And I have also just included some information in regards to estate planning. I do always recommend everyone to consider setting up the will and the power of attorney. So I have just included that information for you as well. Otherwise, we're not making any changes to insurances or anything. It is literally simply looking at your super investments today. Perfect. Now if you can scroll down through page 10 for me, it kind of outlines your risk profile. Yep. So this kind of talks going back to the annual review we did that we are looking at a growth portfolio. So it's still obviously making sure we maximize that growth for you, but reducing it from that high growth a little bit. So not as much fluctuations, but still very much focusing on growth. Just one step down. Yep. Now what this actual blockage has or recommendation is outlined on page 12. So let me know if you can see where it says strategy recommendation, the heading. Yep. So what I have recommended is that you stay in hub twenty four and literally just change a a couple of your investments. So part of the research is also making sure that hub twenty four is still the best option for you. There's hundreds of different super funds out there, and it is good to do research every now and then as well because there's always new products that comes out. There's new features and updates. So it is important to kind of keep up to date with things and making sure that it's still the most competitive option for you because there's absolutely nothing, obviously, tying us to hub twenty four, so it is good to just reassess and make sure that's still the best option. And after doing research, I have recommended you stay in hub twenty four. They are very competitive when it comes to their fees, investment choices, and flexibility. And I do use hub twenty four for my personal super as well. So definitely recommend you stay in hub twenty four and literally just change a couple of investments around today. Now what that actually looks like is if you can scroll down so as you scroll, you will see advantages, disadvantages, risks, and alternatives that I have considered. I'll kind of summarize it in the table for you. So if you can scroll to page 16, I often find that it's easier to look at it this way and kind of see it than just kind of reading through all the words. Perfect. So can you see that kind of fee comparison table? Yep. Beautiful. So what this essentially shows here is, obviously, staying in Hub 24 and then recommended staying in Hub 24 but changing investments. Now what that actually looks like for you, though, is that by making just a few minor changes to your investments and reducing that risk down, it is actually saving you about $942 per year in investment fees alone, which is really good. Yep. So it is making it cheaper for you as well as reducing the risk. No changes to fee structure, contributions, or insurances. That's all the same. It is literally just from the investment fees, which is great. Now at the bottom there, you should see investor profile five year rolling average. So this kind of outlines the current portfolio and the recommended. Now often when you are in a high growth portfolio, you will see more fluctuations, especially when there's a bit of market turbulence as well like we have had. So the good thing is that by actually reducing your risk, typically, sometimes you can see returns not being as great because in return, you get kind of things a little bit more stable. With the changes in your portfolio that I have recommended, it is actually improving the returns as well, which is great. So it is reducing the risk, but also improving the performance. So you can see here that we had used a five year rolling average. Obviously, when it comes to investments, market performance, you can't guarantee anything. You don't know what's going to happen, but that is why we use a five year rolling average. So using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty with what has happened in the market and the portfolio itself. So it gives you a little bit more certainty, if that makes sense, Josh. Josh. Yep. Beautiful. Now the one thing I do want to mention is at the top where it says balance, and you can see a difference of a $161. Can you see that? Yep. So, basically, what this is so in your super innovate superannuation similar to outside super, if you are selling investments that have made a profit, you will have to pay capital gains tax on investments. So same as if you were to sell an investment property, the same applies within yes. The fun one. The same thing applies in the super environment. Now it is different in that it takes place within the super environment. It's not something you have to pay for, like, personally out of pocket. It's not something you ever have to declare on a tax return. That's something to be mindful of. Now we wanna minimize this as much as possible for you, obviously. And if I were to look at changing all of your investments around, the estimated capital gains tax would have been about 4,832. So, obviously, want to minimize that. So what I have been able to kind of reduce it for you while still making sure we change the investments we want to is now estimated at only a $161, which is really good. Yeah. But something I do wanna obviously let yes. Definitely. And, obviously, the investment fees, and that is just like a one off when we do make the change. The investment change that you are saving on fees is 942. So net of everything, you're still saving, but, obviously, something I do want to let you know as well. Yep. Does that all make sense? Yep. Perfect. Now at the bottom of that page, you can then see things projected forward five and ten years. And you can see that even though it's just a couple of minor changes, it all compounds over time and makes a pretty big difference, which you can kind of see outlined here for you. Beautiful. Now what that actually looks like in terms of the investments is then a page 18. If you can see that. Yep. So there's, like, a little table with all the investments, which can look a little bit messy. Basically, what it shows, it shows the investment name, so what the investments are called. You then have the kind of special little code associated with it. You have the current weight, so how much you currently have in each investment option and what I have recommended, what the balance looks like, and then the buy and sell column. So the buy and sell column, what is in red is what we are either completely selling out of or just reducing your exposure to that you already have in your portfolio. And then what is black at the bottom is either what we are adding to your portfolio or just increasing the exposure a little bit too. Then you have the target weight, so how much we're aiming to have in each option, and then what that looks like from a dollar value. So, really, there's only two kind of major changes, which is selling you out of Benelong Australian Equity, which is the first option listed here. And that was that option I kind of touched on a bit during the annual review that I wanted to reassess for you that was underperforming a little bit if you remember that. Correct. So we wanted to get you out of this one. But because we are then getting you out of an Australian investment, we wanna make sure we still give you good exposure to the Australian market. We don't want just everything overseas. We wanna make sure we keep things diversified. So instead, we've introduced at the bottom there, which is the where it says beta shares Australia. Yes. So, essentially, what this is, it's very diversified because it invests in the 200 largest companies listed in Australia. So very diversified for you. So, obviously, if something were to happen to one company, it won't impact things as much because you do have 200 different companies listed in there. So a little bit smoother. It has performed better than the Benelung investment and is, cheaper for you as well. So that's where you do see some of those investment savings because there's a little bit kind of simplified investment structure. Now, otherwise, we have recommended that you so the Global X, Battery Tech, and Lithium, you already have it in your portfolio. But because we are moving from a high growth to a growth, it is just reducing the exposure a little bit down to 4% because this is one of those satellite investments that can do really well and form part of maximizing growth, but they can also fluctuate a little bit more, be a little bit more volatile. So we just wanna reduce the risk exposure a little bit, but still very much a good option for you. The one underneath that is also one of those satellite investments. And in as we're reducing risk for you, we're just getting you out of this investment and instead introducing more in dispensive. You can then see the next four, essentially, we're still keeping in your portfolio. We are, again, just reducing the risk exposure for you a little bit. We're still keeping them in the portfolio. The same goes for the iShares Global Healthcare, still keeping it in your portfolio. Just increasing exposure a little bit to 4%. You then have your defensive. So you have your fixed interest. So Vanguard diversified index. You already had it at about 14.41. Just increasing it up to that 16% to kind of realigning back to the growth portfolio, introducing another defensive or another kind of fixed interest to diversify things for you, 8%, and then introducing 5% into gold to the portfolio as well to kind of stabilize everything, especially a bit of. So, overall, not massive changes. Does that make sense? Yep. Yep. Okay. Beautiful. If it was that you wanted to go and have a bit of a read over this in your own time on the investments, in the appendix, which is the second document, I have included all the investment links there for you. So all the transparency is there if you ever wanted to go and have a bit of a read over that as well. Yep. Perfect. Now on the next page, you should see a little table where it says cash account. Yep. So with hub twenty four, they do have a minimum of cash that needs to be in each account, which is 1.25%. Now we wanna keep this, obviously, as close to 1.25% as possible because, obviously, your cash isn't gonna grow as much as your investments. It will fluctuate a little bit when you do have contributions and stuff coming into the account before the trade has taken place, but we do wanna keep that as close to 1.25 as possible. And then kind of lastly, on the next page, it shows you the proposed asset allocation, if you can see that little pie chart on the table. Yep. So this basically shows your your risk profile, which is that eighty twenty allocation. So about 80% of growth, 20 to defensive. You can then see your existing. So at the moment, you have about 88.46 in growth and about 11.54 in defensive. The proposed is aligning more with that growth profile for you, reducing your growth investments down to about 79.79, and then defensive, I think that a little back to 20.21 for you. Yep. The next couple of pages just then talks about that estate planning. So we have everything sorted with your hub twenty four account. Like I mentioned during the under review as well, we are just waiting on your insurance nomination. Did you yes. Yes. You didn't get that email from my colleague? Okay. I will so it will cover my colleague, Whitlam. Once I get off the phone, I'll just touch base with him. If he did send an I'll just get him to resend it for you so it's at the top of the inbox for you. So, yeah, we'll get that sorted. And, obviously, because it is going through your partner, it's completely tax free. If something were to happen to her, the type of nomination I have recommended is same as what you have on your super account. It means binding, so the trustee has to follow your wishes. Non lapsing means it stays in place until you decide to change it. It's not something you have to change every three years, which can be painful otherwise. So, obviously, the thing to be mindful of is because it stays in place until you try change it. If your situation ever changed, just let us know. Otherwise, yeah, it stays in place. Now I can let me see here. So the next couple of pages, it just talks about that will, power of attorney. I'll let you have a read over that in your own time. Like I said, it it is something I always recommend everyone to consider. So it's all oh, beautiful. That's great. And, otherwise, there's no changes in regards to that fee structure like I mentioned during the annual review that stays the same. There's no additional fees and charges with this advice or research either. It is all part of that ongoing service for you, so no additional fees at all. And that was essentially everything. So do you have any questions in regards to that, or what are your thoughts on this, Josh? Yep. Beautiful. So, essentially, from here is if you wanted to take some time and have a read over the document, you are more than welcome to. If you are happy to go ahead with the recommendation in order to move forward, it would then be to sign the documents did, Julie, the same as you did for the annual review. It will ask for your signature and date, and then it will send it back to me. And that tells me that you are happy to go ahead with the recommendation, and I can let the investment team know to go and make these couple of changes for you. Okay. Yep. Beautiful. I'll just hold up and see make sure that all comes through. And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with the nominations. It should Comfor and let the investment team know. It's also there if you ever wanna go back and have a look at it. So if you go back and click on the link at any point in time, you can access the documents. You can also download them. And then if you wanted to look at, like, your computer or something like that as well, If you ever have any issues, though, just let us know, and we can always email you a copy because we always keep it on file for you. Yep. Yep. Beautiful. I can actually see how my end date just came through, which is great. So I will let the team know, and I will let you get back to your busy day. But do you have any other questions for me before I let you go? No. Yes. I will get yep. I will get onto the team today and get them to email that to you. So keep a lookout for that, and we'll keep a lookout for that to come back. Beautiful. Well, thank you so much for your time today, Josh, and let me know if you need anything else. Alright. Thank you. Bye. You too. 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Is this Josh? I'm all good. I didn't know if it was me or you. Not all good.\n\nBasic basic morning. Now, Josh, because I called you back, even though I can hear that it is you, I will just need you to just confirm your full name, date of birth, and address again for me. Sorry. Yep. Yep.\n\nBeautiful. If it happens again, I'll just call you back, Josh. But, essentially, did you hear that thing about the best interest studio? Do you want me to recap it for you again? Yes.\n\nYes. So so this is this is more just a legislation to protect you. So this has it's to make sure that anything that we recommend and how we act are always in your best interest. It's not anything to do with us. It is making sure that we take whatever is best specifically for you and only you above anything else.\n\nIt is also to make sure that what we do recommend puts you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if we don't act in just your best interest, then we I will lose my license. So there's a lot of things in place to protect you and make sure that anything we recommend is solely for the benefit of you at the end of the day. Does that make sense?\n\nYep. Okay. Perfect. Now as you scroll through, if you can kind of scroll with me, you will see table of content, pretty self explanatory, scope of advice. Basically, what this means is just the areas we're looking at today.\n\nBut like I said, pretty simple. Just looking at your superannuation, make sure we continue to grow your superannuation by looking at reducing the level of risk just a little bit to minimize those fluctuations. And I have also just included some information in regards to estate planning. I do always recommend everyone to consider setting up the will and the power of attorney. So I have just included that information for you as well.\n\nOtherwise, we're not making any changes to insurances or anything. It is literally simply looking at your super investments today. Perfect. Now if you can scroll down through page 10 for me, it kind of outlines your risk profile. Yep.\n\nSo this kind of talks going back to the annual review we did that we are looking at a growth portfolio. So it's still obviously making sure we maximize that growth for you, but reducing it from that high growth a little bit. So not as much fluctuations, but still very much focusing on growth. Just one step down. Yep.\n\nNow what this actual blockage has or recommendation is outlined on page 12. So let me know if you can see where it says strategy recommendation, the heading. Yep. So what I have recommended is that you stay in hub twenty four and literally just change a a couple of your investments. So part of the research is also making sure that hub twenty four is still the best option for you.\n\nThere's hundreds of different super funds out there, and it is good to do research every now and then as well because there's always new products that comes out. There's new features and updates. So it is important to kind of keep up to date with things and making sure that it's still the most competitive option for you because there's absolutely nothing, obviously, tying us to hub twenty four, so it is good to just reassess and make sure that's still the best option. And after doing research, I have recommended you stay in hub twenty four. They are very competitive when it comes to their fees, investment choices, and flexibility.\n\nAnd I do use hub twenty four for my personal super as well. So definitely recommend you stay in hub twenty four and literally just change a couple of investments around today. Now what that actually looks like is if you can scroll down so as you scroll, you will see advantages, disadvantages, risks, and alternatives that I have considered. I'll kind of summarize it in the table for you. So if you can scroll to page 16, I often find that it's easier to look at it this way and kind of see it than just kind of reading through all the words.\n\nPerfect. So can you see that kind of fee comparison table? Yep. Beautiful. So what this essentially shows here is, obviously, staying in Hub 24 and then recommended staying in Hub 24 but changing investments.\n\nNow what that actually looks like for you, though, is that by making just a few minor changes to your investments and reducing that risk down, it is actually saving you about $942 per year in investment fees alone, which is really good. Yep. So it is making it cheaper for you as well as reducing the risk. No changes to fee structure, contributions, or insurances. That's all the same.\n\nIt is literally just from the investment fees, which is great. Now at the bottom there, you should see investor profile five year rolling average. So this kind of outlines the current portfolio and the recommended. Now often when you are in a high growth portfolio, you will see more fluctuations, especially when there's a bit of market turbulence as well like we have had. So the good thing is that by actually reducing your risk, typically, sometimes you can see returns not being as great because in return, you get kind of things a little bit more stable.\n\nWith the changes in your portfolio that I have recommended, it is actually improving the returns as well, which is great. So it is reducing the risk, but also improving the performance. So you can see here that we had used a five year rolling average. Obviously, when it comes to investments, market performance, you can't guarantee anything. You don't know what's going to happen, but that is why we use a five year rolling average.\n\nSo using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty with what has happened in the market and the portfolio itself. So it gives you a little bit more certainty, if that makes sense, Josh. Josh. Yep. Beautiful.\n\nNow the one thing I do want to mention is at the top where it says balance, and you can see a difference of a $161. Can you see that? Yep. So, basically, what this is so in your super innovate superannuation similar to outside super, if you are selling investments that have made a profit, you will have to pay capital gains tax on investments. So same as if you were to sell an investment property, the same applies within yes.\n\nThe fun one. The same thing applies in the super environment. Now it is different in that it takes place within the super environment. It's not something you have to pay for, like, personally out of pocket. It's not something you ever have to declare on a tax return.\n\nThat's something to be mindful of. Now we wanna minimize this as much as possible for you, obviously. And if I were to look at changing all of your investments around, the estimated capital gains tax would have been about 4,832. So, obviously, want to minimize that. So what I have been able to kind of reduce it for you while still making sure we change the investments we want to is now estimated at only a $161, which is really good.\n\nYeah. But something I do wanna obviously let yes. Definitely. And, obviously, the investment fees, and that is just like a one off when we do make the change. The investment change that you are saving on fees is 942.\n\nSo net of everything, you're still saving, but, obviously, something I do want to let you know as well. Yep. Does that all make sense? Yep. Perfect.\n\nNow at the bottom of that page, you can then see things projected forward five and ten years. And you can see that even though it's just a couple of minor changes, it all compounds over time and makes a pretty big difference, which you can kind of see outlined here for you. Beautiful. Now what that actually looks like in terms of the investments is then a page 18. If you can see that.\n\nYep. So there's, like, a little table with all the investments, which can look a little bit messy. Basically, what it shows, it shows the investment name, so what the investments are called. You then have the kind of special little code associated with it. You have the current weight, so how much you currently have in each investment option and what I have recommended, what the balance looks like, and then the buy and sell column.\n\nSo the buy and sell column, what is in red is what we are either completely selling out of or just reducing your exposure to that you already have in your portfolio. And then what is black at the bottom is either what we are adding to your portfolio or just increasing the exposure a little bit too. Then you have the target weight, so how much we're aiming to have in each option, and then what that looks like from a dollar value. So, really, there's only two kind of major changes, which is selling you out of Benelong Australian Equity, which is the first option listed here. And that was that option I kind of touched on a bit during the annual review that I wanted to reassess for you that was underperforming a little bit if you remember that.\n\nCorrect. So we wanted to get you out of this one. But because we are then getting you out of an Australian investment, we wanna make sure we still give you good exposure to the Australian market. We don't want just everything overseas. We wanna make sure we keep things diversified.\n\nSo instead, we've introduced at the bottom there, which is the where it says beta shares Australia. Yes. So, essentially, what this is, it's very diversified because it invests in the 200 largest companies listed in Australia. So very diversified for you. So, obviously, if something were to happen to one company, it won't impact things as much because you do have 200 different companies listed in there.\n\nSo a little bit smoother. It has performed better than the Benelung investment and is, cheaper for you as well. So that's where you do see some of those investment savings because there's a little bit kind of simplified investment structure. Now, otherwise, we have recommended that you so the Global X, Battery Tech, and Lithium, you already have it in your portfolio. But because we are moving from a high growth to a growth, it is just reducing the exposure a little bit down to 4% because this is one of those satellite investments that can do really well and form part of maximizing growth, but they can also fluctuate a little bit more, be a little bit more volatile.\n\nSo we just wanna reduce the risk exposure a little bit, but still very much a good option for you. The one underneath that is also one of those satellite investments. And in as we're reducing risk for you, we're just getting you out of this investment and instead introducing more in dispensive. You can then see the next four, essentially, we're still keeping in your portfolio. We are, again, just reducing the risk exposure for you a little bit.\n\nWe're still keeping them in the portfolio. The same goes for the iShares Global Healthcare, still keeping it in your portfolio. Just increasing exposure a little bit to 4%. You then have your defensive. So you have your fixed interest.\n\nSo Vanguard diversified index. You already had it at about 14.41. Just increasing it up to that 16% to kind of realigning back to the growth portfolio, introducing another defensive or another kind of fixed interest to diversify things for you, 8%, and then introducing 5% into gold to the portfolio as well to kind of stabilize everything, especially a bit of. So, overall, not massive changes. Does that make sense?\n\nYep. Yep. Okay. Beautiful. If it was that you wanted to go and have a bit of a read over this in your own time on the investments, in the appendix, which is the second document, I have included all the investment links there for you.\n\nSo all the transparency is there if you ever wanted to go and have a bit of a read over that as well. Yep. Perfect. Now on the next page, you should see a little table where it says cash account. Yep.\n\nSo with hub twenty four, they do have a minimum of cash that needs to be in each account, which is 1.25%. Now we wanna keep this, obviously, as close to 1.25% as possible because, obviously, your cash isn't gonna grow as much as your investments. It will fluctuate a little bit when you do have contributions and stuff coming into the account before the trade has taken place, but we do wanna keep that as close to 1.25 as possible. And then kind of lastly, on the next page, it shows you the proposed asset allocation, if you can see that little pie chart on the table. Yep.\n\nSo this basically shows your your risk profile, which is that eighty twenty allocation. So about 80% of growth, 20 to defensive. You can then see your existing. So at the moment, you have about 88.46 in growth and about 11.54 in defensive. The proposed is aligning more with that growth profile for you, reducing your growth investments down to about 79.79, and then defensive, I think that a little back to 20.21 for you.\n\nYep. The next couple of pages just then talks about that estate planning. So we have everything sorted with your hub twenty four account. Like I mentioned during the under review as well, we are just waiting on your insurance nomination. Did you yes.\n\nYes. You didn't get that email from my colleague? Okay. I will so it will cover my colleague, Whitlam. Once I get off the phone, I'll just touch base with him.\n\nIf he did send an I'll just get him to resend it for you so it's at the top of the inbox for you. So, yeah, we'll get that sorted. And, obviously, because it is going through your partner, it's completely tax free. If something were to happen to her, the type of nomination I have recommended is same as what you have on your super account. It means binding, so the trustee has to follow your wishes.\n\nNon lapsing means it stays in place until you decide to change it. It's not something you have to change every three years, which can be painful otherwise. So, obviously, the thing to be mindful of is because it stays in place until you try change it. If your situation ever changed, just let us know. Otherwise, yeah, it stays in place.\n\nNow I can let me see here. So the next couple of pages, it just talks about that will, power of attorney. I'll let you have a read over that in your own time. Like I said, it it is something I always recommend everyone to consider. So it's all oh, beautiful.\n\nThat's great. And, otherwise, there's no changes in regards to that fee structure like I mentioned during the annual review that stays the same. There's no additional fees and charges with this advice or research either. It is all part of that ongoing service for you, so no additional fees at all. And that was essentially everything.\n\nSo do you have any questions in regards to that, or what are your thoughts on this, Josh? Yep. Beautiful. So, essentially, from here is if you wanted to take some time and have a read over the document, you are more than welcome to. If you are happy to go ahead with the recommendation in order to move forward, it would then be to sign the documents did, Julie, the same as you did for the annual review.\n\nIt will ask for your signature and date, and then it will send it back to me. And that tells me that you are happy to go ahead with the recommendation, and I can let the investment team know to go and make these couple of changes for you. Okay. Yep. Beautiful.\n\nI'll just hold up and see make sure that all comes through. And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with the nominations. It should Comfor and let the investment team know. It's also there if you ever wanna go back and have a look at it. So if you go back and click on the link at any point in time, you can access the documents.\n\nYou can also download them. And then if you wanted to look at, like, your computer or something like that as well, If you ever have any issues, though, just let us know, and we can always email you a copy because we always keep it on file for you. Yep. Yep. Beautiful.\n\nI can actually see how my end date just came through, which is great. So I will let the team know, and I will let you get back to your busy day. But do you have any other questions for me before I let you go? No. Yes.\n\nI will get yep. I will get onto the team today and get them to email that to you. So keep a lookout for that, and we'll keep a lookout for that to come back. Beautiful. Well, thank you so much for your time today, Josh, and let me know if you need anything else.\n\nAlright. Thank you. Bye. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.24,"end":2.72,"sentiment":"neutral","sentiment_score":0.006391524337232113},{"text":"Is this Josh?","start":2.72,"end":3.62,"sentiment":"neutral","sentiment_score":0.004041517774264018},{"text":"I'm all good.","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.2449863056341807},{"text":"I didn't know if it was me or you.","start":6.3999996,"end":8.34,"sentiment":"neutral","sentiment_score":-0.17227383951346079},{"text":"Not all good.","start":20.525,"end":21.405,"sentiment":"negative","sentiment_score":-0.4504067401091258}],"sentiment":"neutral","sentiment_score":-0.11306367270452411,"num_words":19,"start":2.24,"end":21.405},{"sentences":[{"text":"Basic basic morning.","start":21.405,"end":23.825,"sentiment":"neutral","sentiment_score":-0.05979055538773537},{"text":"Now, Josh, because I called you back, even though I can hear that it is you, I will just need you to just confirm your full name, date of birth, and address again for me.","start":25.325,"end":33.87,"sentiment":"neutral","sentiment_score":0.01039948726871184},{"text":"Sorry.","start":33.87,"end":34.37,"sentiment":"neutral","sentiment_score":-0.024159414693713188},{"text":"Yep.","start":38.83,"end":39.33,"sentiment":"neutral","sentiment_score":0.009731813333928583},{"text":"Yep.","start":41.07,"end":41.39,"sentiment":"neutral","sentiment_score":0.12143366783857346}],"sentiment":"neutral","sentiment_score":0.007112596456597491,"num_words":41,"start":21.405,"end":41.39},{"sentences":[{"text":"Beautiful.","start":41.39,"end":41.87,"sentiment":"positive","sentiment_score":0.44736894965171814},{"text":"If it happens again, I'll just call you back, Josh.","start":41.87,"end":43.875,"sentiment":"neutral","sentiment_score":0.15168384090065956},{"text":"But, essentially, did you hear that thing about the best interest studio?","start":46.195,"end":49.955,"sentiment":"neutral","sentiment_score":-0.029880949451277655},{"text":"Do you want me to recap it for you again?","start":49.955,"end":52.215,"sentiment":"neutral","sentiment_score":-0.032081511057913306},{"text":"Yes.","start":56.114998,"end":56.31,"sentiment":"neutral","sentiment_score":-0.06736783683300018}],"sentiment":"neutral","sentiment_score":0.035807441700907314,"num_words":34,"start":41.39,"end":56.31},{"sentences":[{"text":"Yes.","start":63.75,"end":64.25,"sentiment":"neutral","sentiment_score":-0.009734325110912325},{"text":"So so this is this is more just a legislation to protect you.","start":64.87,"end":68.81,"sentiment":"neutral","sentiment_score":-0.05624129307957796},{"text":"So this has it's to make sure that anything that we recommend and how we act are always in your best interest.","start":69.03,"end":77.095,"sentiment":"neutral","sentiment_score":0.06938612732020291},{"text":"It's not anything to do with us.","start":77.095,"end":79.095,"sentiment":"neutral","sentiment_score":-0.1674908378294536},{"text":"It is making sure that we take whatever is best specifically for you and only you above anything else.","start":79.095,"end":86.94,"sentiment":"neutral","sentiment_score":0.009736572245233938}],"sentiment":"neutral","sentiment_score":-0.0032551181652853566,"num_words":62,"start":63.75,"end":86.94},{"sentences":[{"text":"It is also to make sure that what we do recommend puts you in a better position as a result of the advice.","start":87.82,"end":95.76,"sentiment":"neutral","sentiment_score":0.04539329769170802},{"text":"Otherwise, we can't actually make the recommendation.","start":96.14,"end":98.4,"sentiment":"negative","sentiment_score":-0.44860733832631794},{"text":"And if we don't act in just your best interest, then we I will lose my license.","start":98.78,"end":104.115005,"sentiment":"negative","sentiment_score":-0.5466682542772854},{"text":"So there's a lot of things in place to protect you and make sure that anything we recommend is solely for the benefit of you at the end of the day.","start":104.735,"end":114.23,"sentiment":"neutral","sentiment_score":0.20194321486257738},{"text":"Does that make sense?","start":115.33,"end":116.39,"sentiment":"neutral","sentiment_score":0.20361702144145966}],"sentiment":"neutral","sentiment_score":-0.052620220702232386,"num_words":82,"start":87.82,"end":116.39},{"sentences":[{"text":"Yep.","start":117.810005,"end":118.05,"sentiment":"neutral","sentiment_score":0.2404758781194687},{"text":"Okay.","start":118.05,"end":118.53001,"sentiment":"positive","sentiment_score":0.4871275722980499},{"text":"Perfect.","start":118.53001,"end":119.01,"sentiment":"positive","sentiment_score":0.6889731287956238},{"text":"Now as you scroll through, if you can kind of scroll with me, you will see table of content, pretty self explanatory, scope of advice.","start":119.01,"end":127.295,"sentiment":"neutral","sentiment_score":0.3087062329053879},{"text":"Basically, what this means is just the areas we're looking at today.","start":127.675,"end":130.975,"sentiment":"neutral","sentiment_score":0.22582943240801492}],"sentiment":"neutral","sentiment_score":0.29610463976860046,"num_words":40,"start":117.810005,"end":130.975},{"sentences":[{"text":"But like I said, pretty simple.","start":131.195,"end":132.955,"sentiment":"neutral","sentiment_score":0.29517898956934613},{"text":"Just looking at your superannuation, make sure we continue to grow your superannuation by looking at reducing the level of risk just a little bit to minimize those fluctuations.","start":132.955,"end":143.07,"sentiment":"positive","sentiment_score":0.3377072749466732},{"text":"And I have also just included some information in regards to estate planning.","start":145.05,"end":149.55,"sentiment":"neutral","sentiment_score":0.24692921111216912},{"text":"I do always recommend everyone to consider setting up the will and the power of attorney.","start":149.825,"end":154.565,"sentiment":"positive","sentiment_score":0.34104007575660944},{"text":"So I have just included that information for you as well.","start":154.86499,"end":158.08499,"sentiment":"neutral","sentiment_score":0.33070822195573285}],"sentiment":"neutral","sentiment_score":0.31825461745262146,"num_words":75,"start":131.195,"end":158.08499},{"sentences":[{"text":"Otherwise, we're not making any changes to insurances or anything.","start":158.465,"end":161.905,"sentiment":"neutral","sentiment_score":-0.1350332709727809},{"text":"It is literally simply looking at your super investments today.","start":161.905,"end":165.34999,"sentiment":"neutral","sentiment_score":0.11467951834201813},{"text":"Perfect.","start":166.93,"end":167.43,"sentiment":"positive","sentiment_score":0.4219513237476349},{"text":"Now if you can scroll down through page 10 for me, it kind of outlines your risk profile.","start":167.48999,"end":181.745,"sentiment":"neutral","sentiment_score":0.1417438429262903},{"text":"Yep.","start":181.805,"end":182.205,"sentiment":"neutral","sentiment_score":0.08206530660390854}],"sentiment":"neutral","sentiment_score":0.07129670691792853,"num_words":40,"start":158.465,"end":182.205},{"sentences":[{"text":"So this kind of talks going back to the annual review we did that we are looking at a growth portfolio.","start":182.205,"end":186.94499,"sentiment":"neutral","sentiment_score":0.11732530948661622},{"text":"So it's still obviously making sure we maximize that growth for you, but reducing it from that high growth a little bit.","start":187.485,"end":194.31999,"sentiment":"neutral","sentiment_score":0.2134729302064939},{"text":"So not as much fluctuations, but still very much focusing on growth.","start":194.31999,"end":198.23999,"sentiment":"neutral","sentiment_score":0.03528614683697621},{"text":"Just one step down.","start":198.23999,"end":199.54,"sentiment":"neutral","sentiment_score":-0.025309570133686066},{"text":"Yep.","start":200.48,"end":200.98,"sentiment":"neutral","sentiment_score":0.031408317387104034}],"sentiment":"neutral","sentiment_score":0.12523066271096467,"num_words":60,"start":182.205,"end":200.98},{"sentences":[{"text":"Now what this actual blockage has or recommendation is outlined on page 12.","start":201.44,"end":206.98,"sentiment":"neutral","sentiment_score":0.012794658828240175},{"text":"So let me know if you can see where it says strategy recommendation, the heading.","start":207.545,"end":213.08499,"sentiment":"neutral","sentiment_score":0.034272361050049466},{"text":"Yep.","start":214.025,"end":214.525,"sentiment":"neutral","sentiment_score":0.09270887076854706},{"text":"So what I have recommended is that you stay in hub twenty four and literally just change a a couple of your investments.","start":214.985,"end":221.20999,"sentiment":"neutral","sentiment_score":0.13224116162113522},{"text":"So part of the research is also making sure that hub twenty four is still the best option for you.","start":221.43,"end":227.53,"sentiment":"neutral","sentiment_score":0.210826076567173}],"sentiment":"neutral","sentiment_score":0.11154434860994418,"num_words":72,"start":201.44,"end":227.53},{"sentences":[{"text":"There's hundreds of different super funds out there, and it is good to do research every now and then as well because there's always new products that comes out.","start":227.67,"end":235.13501,"sentiment":"neutral","sentiment_score":0.2187827629005087},{"text":"There's new features and updates.","start":235.13501,"end":236.995,"sentiment":"neutral","sentiment_score":0.1502329021692276},{"text":"So it is important to kind of keep up to date with things and making sure that it's still the most competitive option for you because there's absolutely nothing, obviously, tying us to hub twenty four, so it is good to just reassess and make sure that's still the best option.","start":237.455,"end":251.91,"sentiment":"neutral","sentiment_score":0.27506125586874347},{"text":"And after doing research, I have recommended you stay in hub twenty four.","start":252.53,"end":256.05,"sentiment":"neutral","sentiment_score":0.312083899974823},{"text":"They are very competitive when it comes to their fees, investment choices, and flexibility.","start":256.05,"end":260.63,"sentiment":"positive","sentiment_score":0.5224004281418664}],"sentiment":"neutral","sentiment_score":0.2901311194457646,"num_words":112,"start":227.67,"end":260.63},{"sentences":[{"text":"And I do use hub twenty four for my personal super as well.","start":261.365,"end":264.825,"sentiment":"positive","sentiment_score":0.4043143391609192},{"text":"So definitely recommend you stay in hub twenty four and literally just change a couple of investments around today.","start":264.885,"end":271.145,"sentiment":"positive","sentiment_score":0.4140964581778175},{"text":"Now what that actually looks like is if you can scroll down so as you scroll, you will see advantages, disadvantages, risks, and alternatives that I have considered.","start":272.48502,"end":284.12,"sentiment":"neutral","sentiment_score":0.08069543500563928},{"text":"I'll kind of summarize it in the table for you.","start":284.74,"end":288.405,"sentiment":"neutral","sentiment_score":0.16864193826913834},{"text":"So if you can scroll to page 16, I often find that it's easier to look at it this way and kind of see it than just kind of reading through all the words.","start":289.745,"end":299.7,"sentiment":"neutral","sentiment_score":0.15073791935163386}],"sentiment":"neutral","sentiment_score":0.21341249937764728,"num_words":104,"start":261.365,"end":299.7},{"sentences":[{"text":"Perfect.","start":301.46002,"end":301.86002,"sentiment":"positive","sentiment_score":0.4742469191551209},{"text":"So can you see that kind of fee comparison table?","start":301.86002,"end":304.12003,"sentiment":"neutral","sentiment_score":0.1549296036362648},{"text":"Yep.","start":305.62003,"end":306.02002,"sentiment":"neutral","sentiment_score":0.22054606676101685},{"text":"Beautiful.","start":306.02002,"end":306.52002,"sentiment":"positive","sentiment_score":0.5267083048820496},{"text":"So what this essentially shows here is, obviously, staying in Hub 24 and then recommended staying in Hub 24 but changing investments.","start":306.74002,"end":315.40002,"sentiment":"neutral","sentiment_score":0.16161924465136093}],"sentiment":"neutral","sentiment_score":0.18075487741402219,"num_words":35,"start":301.46002,"end":315.40002},{"sentences":[{"text":"Now what that actually looks like for you, though, is that by making just a few minor changes to your investments and reducing that risk down, it is actually saving you about $942 per year in investment fees alone, which is really good.","start":315.945,"end":336.12,"sentiment":"positive","sentiment_score":0.3478916800299356},{"text":"Yep.","start":336.81998,"end":337.31998,"sentiment":"neutral","sentiment_score":0.25616344809532166},{"text":"So it is making it cheaper for you as well as reducing the risk.","start":337.53998,"end":341.80502,"sentiment":"positive","sentiment_score":0.42872919142246246},{"text":"No changes to fee structure, contributions, or insurances.","start":341.80502,"end":344.845,"sentiment":"neutral","sentiment_score":0.1912399511784315},{"text":"That's all the same.","start":344.845,"end":345.96503,"sentiment":"positive","sentiment_score":0.4046018049120903}],"sentiment":"positive","sentiment_score":0.34808630283389774,"num_words":70,"start":315.945,"end":345.96503},{"sentences":[{"text":"It is literally just from the investment fees, which is great.","start":345.96503,"end":349.02502,"sentiment":"positive","sentiment_score":0.47955084253441205},{"text":"Now at the bottom there, you should see investor profile five year rolling average.","start":349.80502,"end":355.345,"sentiment":"neutral","sentiment_score":0.014257385029590555},{"text":"So this kind of outlines the current portfolio and the recommended.","start":356.15,"end":360.65,"sentiment":"neutral","sentiment_score":0.03611209328201684},{"text":"Now often when you are in a high growth portfolio, you will see more fluctuations, especially when there's a bit of market turbulence as well like we have had.","start":361.03,"end":370.72998,"sentiment":"neutral","sentiment_score":-0.009249110545577675},{"text":"So the good thing is that by actually reducing your risk, typically, sometimes you can see returns not being as great because in return, you get kind of things a little bit more stable.","start":371.155,"end":383.57498,"sentiment":"positive","sentiment_score":0.4448302900966476}],"sentiment":"neutral","sentiment_score":0.20937274082686114,"num_words":99,"start":345.96503,"end":383.57498},{"sentences":[{"text":"With the changes in your portfolio that I have recommended, it is actually improving the returns as well, which is great.","start":384.275,"end":392.38,"sentiment":"positive","sentiment_score":0.6632128088247209},{"text":"So it is reducing the risk, but also improving the performance.","start":393.32,"end":398.06,"sentiment":"positive","sentiment_score":0.5659664869308472},{"text":"So you can see here that we had used a five year rolling average.","start":399.0,"end":403.405,"sentiment":"neutral","sentiment_score":0.09856968931853771},{"text":"Obviously, when it comes to investments, market performance, you can't guarantee anything.","start":403.545,"end":407.705,"sentiment":"neutral","sentiment_score":0.014310094527900219},{"text":"You don't know what's going to happen, but that is why we use a five year rolling average.","start":407.705,"end":412.845,"sentiment":"neutral","sentiment_score":0.028532068348593183}],"sentiment":"neutral","sentiment_score":0.2923470310082561,"num_words":76,"start":384.275,"end":412.845},{"sentences":[{"text":"So using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty with what has happened in the market and the portfolio itself.","start":413.0,"end":423.98,"sentiment":"neutral","sentiment_score":0.15651367451338208},{"text":"So it gives you a little bit more certainty, if that makes sense, Josh.","start":424.36002,"end":427.455,"sentiment":"neutral","sentiment_score":0.15282255251492774},{"text":"Josh.","start":429.055,"end":429.215,"sentiment":"neutral","sentiment_score":0.0934612825512886},{"text":"Yep.","start":429.215,"end":429.69498,"sentiment":"neutral","sentiment_score":0.1668124496936798},{"text":"Beautiful.","start":429.69498,"end":430.19498,"sentiment":"positive","sentiment_score":0.4192699193954468}],"sentiment":"neutral","sentiment_score":0.15961812392753713,"num_words":51,"start":413.0,"end":430.19498},{"sentences":[{"text":"Now the one thing I do want to mention is at the top where it says balance, and you can see a difference of a $161.","start":430.655,"end":440.01498,"sentiment":"neutral","sentiment_score":0.049959225938297235},{"text":"Can you see that?","start":440.01498,"end":440.82,"sentiment":"neutral","sentiment_score":0.02792675793170929},{"text":"Yep.","start":444.1,"end":444.58002,"sentiment":"neutral","sentiment_score":0.05537635087966919},{"text":"So, basically, what this is so in your super innovate superannuation similar to outside super, if you are selling investments that have made a profit, you will have to pay capital gains tax on investments.","start":444.58002,"end":458.665,"sentiment":"neutral","sentiment_score":0.0339519165456295},{"text":"So same as if you were to sell an investment property, the same applies within yes.","start":458.805,"end":464.725,"sentiment":"neutral","sentiment_score":0.04545638768468052}],"sentiment":"neutral","sentiment_score":0.04123954315919701,"num_words":82,"start":430.655,"end":464.725},{"sentences":[{"text":"The fun one.","start":464.725,"end":465.54498,"sentiment":"neutral","sentiment_score":0.23438279827435812},{"text":"The same thing applies in the super environment.","start":466.565,"end":469.385,"sentiment":"neutral","sentiment_score":0.14490330964326859},{"text":"Now it is different in that it takes place within the super environment.","start":469.9,"end":474.32,"sentiment":"neutral","sentiment_score":0.04213647522891943},{"text":"It's not something you have to pay for, like, personally out of pocket.","start":475.1,"end":478.56,"sentiment":"neutral","sentiment_score":-0.2931028656088389},{"text":"It's not something you ever have to declare on a tax return.","start":478.7,"end":481.515,"sentiment":"neutral","sentiment_score":-0.23208643744389215}],"sentiment":"neutral","sentiment_score":-0.08541276433258033,"num_words":49,"start":464.725,"end":481.515},{"sentences":[{"text":"That's something to be mindful of.","start":481.595,"end":483.45502,"sentiment":"neutral","sentiment_score":-0.18276955684026083},{"text":"Now we wanna minimize this as much as possible for you, obviously.","start":483.915,"end":487.695,"sentiment":"neutral","sentiment_score":0.0756404275695483},{"text":"And if I were to look at changing all of your investments around, the estimated capital gains tax would have been about 4,832.","start":487.83502,"end":498.65002,"sentiment":"neutral","sentiment_score":0.013737801340935022},{"text":"So, obviously, want to minimize that.","start":499.11002,"end":501.83002,"sentiment":"neutral","sentiment_score":0.032597646272430815},{"text":"So what I have been able to kind of reduce it for you while still making sure we change the investments we want to is now estimated at only a $161, which is really good.","start":501.83002,"end":514.215,"sentiment":"neutral","sentiment_score":0.18344967152391162}],"sentiment":"neutral","sentiment_score":0.08223611709275623,"num_words":82,"start":481.595,"end":514.215},{"sentences":[{"text":"Yeah.","start":514.215,"end":514.715,"sentiment":"neutral","sentiment_score":0.16675466299057007},{"text":"But something I do wanna obviously let yes.","start":514.855,"end":518.055,"sentiment":"neutral","sentiment_score":0.06443041237071157},{"text":"Definitely.","start":518.055,"end":518.555,"sentiment":"neutral","sentiment_score":0.1829890012741089},{"text":"And, obviously, the investment fees, and that is just like a one off when we do make the change.","start":519.015,"end":523.755,"sentiment":"neutral","sentiment_score":0.05042438610996071},{"text":"The investment change that you are saving on fees is 942.","start":524.16,"end":528.66,"sentiment":"neutral","sentiment_score":0.1514548591592095}],"sentiment":"neutral","sentiment_score":0.08723134375177324,"num_words":40,"start":514.215,"end":528.66},{"sentences":[{"text":"So net of everything, you're still saving, but, obviously, something I do want to let you know as well.","start":528.8,"end":534.74,"sentiment":"neutral","sentiment_score":0.16173424532538966},{"text":"Yep.","start":535.04,"end":535.54,"sentiment":"neutral","sentiment_score":0.14526911079883575},{"text":"Does that all make sense?","start":535.83997,"end":537.13995,"sentiment":"neutral","sentiment_score":0.27917773723602296},{"text":"Yep.","start":538.63995,"end":539.04,"sentiment":"neutral","sentiment_score":0.2017589509487152},{"text":"Perfect.","start":539.04,"end":539.54,"sentiment":"positive","sentiment_score":0.4234635829925537}],"sentiment":"neutral","sentiment_score":0.19404929600380086,"num_words":27,"start":528.8,"end":539.54},{"sentences":[{"text":"Now at the bottom of that page, you can then see things projected forward five and ten years.","start":539.90497,"end":545.125,"sentiment":"neutral","sentiment_score":0.1576955976585547},{"text":"And you can see that even though it's just a couple of minor changes, it all compounds over time and makes a pretty big difference, which you can kind of see outlined here for you.","start":545.425,"end":555.77,"sentiment":"neutral","sentiment_score":0.12255684446011271},{"text":"Beautiful.","start":557.19,"end":557.69,"sentiment":"positive","sentiment_score":0.4711262285709381},{"text":"Now what that actually looks like in terms of the investments is then a page 18.","start":557.83,"end":565.13,"sentiment":"neutral","sentiment_score":0.07163080829195678},{"text":"If you can see that.","start":566.07,"end":567.37,"sentiment":"neutral","sentiment_score":0.02095092125236988}],"sentiment":"neutral","sentiment_score":0.117999787752827,"num_words":75,"start":539.90497,"end":567.37},{"sentences":[{"text":"Yep.","start":569.19,"end":569.69,"sentiment":"neutral","sentiment_score":0.02341708540916443},{"text":"So there's, like, a little table with all the investments, which can look a little bit messy.","start":570.315,"end":575.295,"sentiment":"neutral","sentiment_score":-0.03335848143872093},{"text":"Basically, what it shows, it shows the investment name, so what the investments are called.","start":576.555,"end":582.815,"sentiment":"neutral","sentiment_score":0.015371248343338568},{"text":"You then have the kind of special little code associated with it.","start":583.29,"end":587.07,"sentiment":"neutral","sentiment_score":0.024963743674258392},{"text":"You have the current weight, so how much you currently have in each investment option and what I have recommended, what the balance looks like, and then the buy and sell column.","start":587.13,"end":599.845,"sentiment":"neutral","sentiment_score":0.035489815927576274}],"sentiment":"neutral","sentiment_score":0.014573125452915956,"num_words":77,"start":569.19,"end":599.845},{"sentences":[{"text":"So the buy and sell column, what is in red is what we are either completely selling out of or just reducing your exposure to that you already have in your portfolio.","start":599.845,"end":609.945,"sentiment":"neutral","sentiment_score":0.053525011986494064},{"text":"And then what is black at the bottom is either what we are adding to your portfolio or just increasing the exposure a little bit too.","start":610.70996,"end":619.68994,"sentiment":"neutral","sentiment_score":0.035024721963474385},{"text":"Then you have the target weight, so how much we're aiming to have in each option, and then what that looks like from a dollar value.","start":620.38995,"end":627.78503,"sentiment":"neutral","sentiment_score":0.0642429030715273},{"text":"So, really, there's only two kind of major changes, which is selling you out of Benelong Australian Equity, which is the first option listed here.","start":628.325,"end":640.88,"sentiment":"neutral","sentiment_score":0.004971552044153214},{"text":"And that was that option I kind of touched on a bit during the annual review that I wanted to reassess for you that was underperforming a little bit if you remember that.","start":641.1,"end":649.44,"sentiment":"neutral","sentiment_score":-0.03235849876408324}],"sentiment":"neutral","sentiment_score":0.023593077298358713,"num_words":142,"start":599.845,"end":649.44},{"sentences":[{"text":"Correct.","start":649.82,"end":650.32,"sentiment":"neutral","sentiment_score":-0.04793953150510788},{"text":"So we wanted to get you out of this one.","start":650.54,"end":652.815,"sentiment":"neutral","sentiment_score":-0.12199306562542915},{"text":"But because we are then getting you out of an Australian investment, we wanna make sure we still give you good exposure to the Australian market.","start":652.975,"end":661.215,"sentiment":"neutral","sentiment_score":0.018205190937106427},{"text":"We don't want just everything overseas.","start":661.215,"end":662.815,"sentiment":"neutral","sentiment_score":-0.09068341677387555},{"text":"We wanna make sure we keep things diversified.","start":662.815,"end":664.835,"sentiment":"neutral","sentiment_score":0.06108615407720208}],"sentiment":"neutral","sentiment_score":-0.016665617478828804,"num_words":51,"start":649.82,"end":664.835},{"sentences":[{"text":"So instead, we've introduced at the bottom there, which is the where it says beta shares Australia.","start":665.64,"end":671.74005,"sentiment":"neutral","sentiment_score":0.08268064786406125},{"text":"Yes.","start":671.80005,"end":672.30005,"sentiment":"neutral","sentiment_score":0.14329662919044495},{"text":"So, essentially, what this is, it's very diversified because it invests in the 200 largest companies listed in Australia.","start":672.92004,"end":680.14,"sentiment":"neutral","sentiment_score":0.23810204941975444},{"text":"So very diversified for you.","start":680.415,"end":682.175,"sentiment":"neutral","sentiment_score":0.292254900932312},{"text":"So, obviously, if something were to happen to one company, it won't impact things as much because you do have 200 different companies listed in there.","start":682.175,"end":690.355,"sentiment":"neutral","sentiment_score":0.2563835878211718}],"sentiment":"neutral","sentiment_score":0.20882432896863012,"num_words":68,"start":665.64,"end":690.355},{"sentences":[{"text":"So a little bit smoother.","start":690.815,"end":692.035,"sentiment":"positive","sentiment_score":0.3422002613544464},{"text":"It has performed better than the Benelung investment and is, cheaper for you as well.","start":692.3,"end":696.93994,"sentiment":"positive","sentiment_score":0.5025680124759674},{"text":"So that's where you do see some of those investment savings because there's a little bit kind of simplified investment structure.","start":696.93994,"end":703.6,"sentiment":"neutral","sentiment_score":0.28908061590932665},{"text":"Now, otherwise, we have recommended that you so the Global X, Battery Tech, and Lithium, you already have it in your portfolio.","start":704.54,"end":712.88495,"sentiment":"neutral","sentiment_score":0.19357791204344144},{"text":"But because we are moving from a high growth to a growth, it is just reducing the exposure a little bit down to 4% because this is one of those satellite investments that can do really well and form part of maximizing growth, but they can also fluctuate a little bit more, be a little bit more volatile.","start":712.88495,"end":731.33997,"sentiment":"neutral","sentiment_score":0.2308364099469678}],"sentiment":"neutral","sentiment_score":0.27245818404865657,"num_words":121,"start":690.815,"end":731.33997},{"sentences":[{"text":"So we just wanna reduce the risk exposure a little bit, but still very much a good option for you.","start":731.33997,"end":737.385,"sentiment":"positive","sentiment_score":0.35313817784190177},{"text":"The one underneath that is also one of those satellite investments.","start":738.325,"end":741.78503,"sentiment":"neutral","sentiment_score":0.07521365074948831},{"text":"And in as we're reducing risk for you, we're just getting you out of this investment and instead introducing more in dispensive.","start":742.245,"end":750.51,"sentiment":"neutral","sentiment_score":-0.026022847233848137},{"text":"You can then see the next four, essentially, we're still keeping in your portfolio.","start":751.77,"end":757.39,"sentiment":"neutral","sentiment_score":0.16160737084490912},{"text":"We are, again, just reducing the risk exposure for you a little bit.","start":757.69,"end":761.77,"sentiment":"neutral","sentiment_score":0.17600593945154777}],"sentiment":"neutral","sentiment_score":0.14835239350795745,"num_words":80,"start":731.33997,"end":761.77},{"sentences":[{"text":"We're still keeping them in the portfolio.","start":761.77,"end":763.815,"sentiment":"neutral","sentiment_score":0.1351674763219697},{"text":"The same goes for the iShares Global Healthcare, still keeping it in your portfolio.","start":764.67505,"end":769.41504,"sentiment":"neutral","sentiment_score":0.15796503637518203},{"text":"Just increasing exposure a little bit to 4%.","start":769.55505,"end":772.455,"sentiment":"neutral","sentiment_score":0.1262179771438241},{"text":"You then have your defensive.","start":773.47504,"end":775.255,"sentiment":"neutral","sentiment_score":0.0934112697839737},{"text":"So you have your fixed interest.","start":775.715,"end":777.68994,"sentiment":"neutral","sentiment_score":0.09762354815999667}],"sentiment":"neutral","sentiment_score":0.13050560746341944,"num_words":40,"start":761.77,"end":777.68994},{"sentences":[{"text":"So Vanguard diversified index.","start":777.68994,"end":779.70996,"sentiment":"neutral","sentiment_score":0.08857010491192341},{"text":"You already had it at about 14.41.","start":780.17,"end":783.37,"sentiment":"neutral","sentiment_score":0.11335907876491547},{"text":"Just increasing it up to that 16% to kind of realigning back to the growth portfolio, introducing another defensive or another kind of fixed interest to diversify things for you, 8%, and then introducing 5% into gold to the portfolio as well to kind of stabilize everything, especially a bit of.","start":783.37,"end":803.315,"sentiment":"neutral","sentiment_score":0.12865464382019698},{"text":"So, overall, not massive changes.","start":804.70996,"end":807.29,"sentiment":"neutral","sentiment_score":0.04536393731832504},{"text":"Does that make sense?","start":807.99,"end":809.20996,"sentiment":"neutral","sentiment_score":0.09423354081809521}],"sentiment":"neutral","sentiment_score":0.11708358669994583,"num_words":71,"start":777.68994,"end":809.20996},{"sentences":[{"text":"Yep.","start":810.70996,"end":811.11,"sentiment":"neutral","sentiment_score":0.15587946772575378},{"text":"Yep.","start":811.11,"end":811.35,"sentiment":"neutral","sentiment_score":0.17551231384277344},{"text":"Okay.","start":811.35,"end":811.67,"sentiment":"positive","sentiment_score":0.3398081064224243},{"text":"Beautiful.","start":811.67,"end":812.07,"sentiment":"positive","sentiment_score":0.503119945526123},{"text":"If it was that you wanted to go and have a bit of a read over this in your own time on the investments, in the appendix, which is the second document, I have included all the investment links there for you.","start":812.07,"end":823.01495,"sentiment":"neutral","sentiment_score":0.17119577881835757}],"sentiment":"neutral","sentiment_score":0.18183788138887155,"num_words":46,"start":810.70996,"end":823.01495},{"sentences":[{"text":"So all the transparency is there if you ever wanted to go and have a bit of a read over that as well.","start":823.01495,"end":827.75494,"sentiment":"neutral","sentiment_score":0.03678206836237856},{"text":"Yep.","start":829.01495,"end":829.51495,"sentiment":"positive","sentiment_score":0.4139348864555359},{"text":"Perfect.","start":829.57495,"end":830.07495,"sentiment":"positive","sentiment_score":0.6917911171913147},{"text":"Now on the next page, you should see a little table where it says cash account.","start":830.64,"end":834.82,"sentiment":"neutral","sentiment_score":0.17159022251144052},{"text":"Yep.","start":836.48004,"end":836.96,"sentiment":"neutral","sentiment_score":0.07882566004991531}],"sentiment":"neutral","sentiment_score":0.11371387610034574,"num_words":42,"start":823.01495,"end":836.96},{"sentences":[{"text":"So with hub twenty four, they do have a minimum of cash that needs to be in each account, which is 1.25%.","start":836.96,"end":845.285,"sentiment":"neutral","sentiment_score":0.10571184822104195},{"text":"Now we wanna keep this, obviously, as close to 1.25% as possible because, obviously, your cash isn't gonna grow as much as your investments.","start":845.285,"end":852.665,"sentiment":"neutral","sentiment_score":0.13710114965215325},{"text":"It will fluctuate a little bit when you do have contributions and stuff coming into the account before the trade has taken place, but we do wanna keep that as close to 1.25 as possible.","start":853.20496,"end":864.46,"sentiment":"neutral","sentiment_score":0.0679552385849612},{"text":"And then kind of lastly, on the next page, it shows you the proposed asset allocation, if you can see that little pie chart on the table.","start":865.72003,"end":873.72504,"sentiment":"neutral","sentiment_score":0.09010897507822072},{"text":"Yep.","start":875.305,"end":875.705,"sentiment":"neutral","sentiment_score":0.08802147954702377}],"sentiment":"neutral","sentiment_score":0.09647234320777272,"num_words":109,"start":836.96,"end":875.705},{"sentences":[{"text":"So this basically shows your your risk profile, which is that eighty twenty allocation.","start":875.705,"end":880.84503,"sentiment":"neutral","sentiment_score":0.0715867571000542},{"text":"So about 80% of growth, 20 to defensive.","start":880.985,"end":884.205,"sentiment":"neutral","sentiment_score":0.07560068788006902},{"text":"You can then see your existing.","start":885.02997,"end":886.81,"sentiment":"neutral","sentiment_score":0.09069033836325009},{"text":"So at the moment, you have about 88.46 in growth and about 11.54 in defensive.","start":886.87,"end":893.52997,"sentiment":"neutral","sentiment_score":0.11533782482147217},{"text":"The proposed is aligning more with that growth profile for you, reducing your growth investments down to about 79.79, and then defensive, I think that a little back to 20.21 for you.","start":894.23,"end":908.255,"sentiment":"neutral","sentiment_score":0.13105729897506535}],"sentiment":"neutral","sentiment_score":0.1076675076285998,"num_words":75,"start":875.705,"end":908.255},{"sentences":[{"text":"Yep.","start":909.675,"end":910.175,"sentiment":"neutral","sentiment_score":0.05371028929948807},{"text":"The next couple of pages just then talks about that estate planning.","start":911.195,"end":915.41003,"sentiment":"neutral","sentiment_score":0.07012343934426706},{"text":"So we have everything sorted with your hub twenty four account.","start":915.47003,"end":918.77,"sentiment":"neutral","sentiment_score":0.15671773254871368},{"text":"Like I mentioned during the under review as well, we are just waiting on your insurance nomination.","start":919.39,"end":925.41003,"sentiment":"neutral","sentiment_score":0.08124588813413591},{"text":"Did you yes.","start":927.71,"end":934.095,"sentiment":"neutral","sentiment_score":-0.057580036421616874}],"sentiment":"neutral","sentiment_score":0.0869892411018637,"num_words":44,"start":909.675,"end":934.095},{"sentences":[{"text":"Yes.","start":935.435,"end":935.935,"sentiment":"neutral","sentiment_score":-0.04360342770814896},{"text":"You didn't get that email from my colleague?","start":935.995,"end":938.65497,"sentiment":"neutral","sentiment_score":-0.14270662423223257},{"text":"Okay.","start":940.555,"end":941.055,"sentiment":"neutral","sentiment_score":-0.08733274042606354},{"text":"I will so it will cover my colleague, Whitlam.","start":941.595,"end":944.415,"sentiment":"neutral","sentiment_score":-0.060481788797510996},{"text":"Once I get off the phone, I'll just touch base with him.","start":944.62,"end":946.86005,"sentiment":"neutral","sentiment_score":0.05962191087504228}],"sentiment":"neutral","sentiment_score":-0.03553104292481176,"num_words":31,"start":935.435,"end":946.86005},{"sentences":[{"text":"If he did send an I'll just get him to resend it for you so it's at the top of the inbox for you.","start":946.86005,"end":951.52,"sentiment":"neutral","sentiment_score":0.1344503719980518},{"text":"So, yeah, we'll get that sorted.","start":953.18,"end":954.54004,"sentiment":"neutral","sentiment_score":0.16099790359536806},{"text":"And, obviously, because it is going through your partner, it's completely tax free.","start":954.54004,"end":959.355,"sentiment":"neutral","sentiment_score":0.19726736499713018},{"text":"If something were to happen to her, the type of nomination I have recommended is same as what you have on your super account.","start":959.355,"end":965.77496,"sentiment":"neutral","sentiment_score":0.12867419701069593},{"text":"It means binding, so the trustee has to follow your wishes.","start":966.15497,"end":969.455,"sentiment":"neutral","sentiment_score":0.08820362253622575}],"sentiment":"neutral","sentiment_score":0.13866272654670936,"num_words":78,"start":946.86005,"end":969.455},{"sentences":[{"text":"Non lapsing means it stays in place until you decide to change it.","start":969.755,"end":973.03,"sentiment":"neutral","sentiment_score":0.05224251919067823},{"text":"It's not something you have to change every three years, which can be painful otherwise.","start":973.03,"end":976.97003,"sentiment":"neutral","sentiment_score":0.0009263978650172551},{"text":"So, obviously, the thing to be mindful of is because it stays in place until you try change it.","start":977.91003,"end":983.43005,"sentiment":"neutral","sentiment_score":0.017060218574969394},{"text":"If your situation ever changed, just let us know.","start":983.43005,"end":986.09,"sentiment":"neutral","sentiment_score":-0.0008435220354133182},{"text":"Otherwise, yeah, it stays in place.","start":987.185,"end":989.445,"sentiment":"neutral","sentiment_score":0.06598986126482487}],"sentiment":"neutral","sentiment_score":0.02267000547820522,"num_words":62,"start":969.755,"end":989.445},{"sentences":[{"text":"Now I can let me see here.","start":989.98505,"end":992.625,"sentiment":"neutral","sentiment_score":0.08917821305138725},{"text":"So the next couple of pages, it just talks about that will, power of attorney.","start":992.625,"end":996.22504,"sentiment":"neutral","sentiment_score":0.07878203541040421},{"text":"I'll let you have a read over that in your own time.","start":996.22504,"end":998.065,"sentiment":"neutral","sentiment_score":0.11177902606626351},{"text":"Like I said, it it is something I always recommend everyone to consider.","start":998.065,"end":1002.09,"sentiment":"neutral","sentiment_score":0.21227711324508375},{"text":"So it's all oh, beautiful.","start":1002.09,"end":1005.15,"sentiment":"positive","sentiment_score":0.3659281551837921}],"sentiment":"neutral","sentiment_score":0.14878018429646125,"num_words":52,"start":989.98505,"end":1005.15},{"sentences":[{"text":"That's great.","start":1005.45,"end":1006.27,"sentiment":"positive","sentiment_score":0.7183227241039276},{"text":"And, otherwise, there's no changes in regards to that fee structure like I mentioned during the annual review that stays the same.","start":1007.45,"end":1012.81,"sentiment":"neutral","sentiment_score":0.2670018950646574},{"text":"There's no additional fees and charges with this advice or research either.","start":1012.81,"end":1017.85504,"sentiment":"neutral","sentiment_score":0.32947732259829837},{"text":"It is all part of that ongoing service for you, so no additional fees at all.","start":1017.85504,"end":1023.79504,"sentiment":"positive","sentiment_score":0.3752381792291999},{"text":"And that was essentially everything.","start":1024.5751,"end":1026.3351,"sentiment":"positive","sentiment_score":0.34471811056137086}],"sentiment":"neutral","sentiment_score":0.33318976195235,"num_words":57,"start":1005.45,"end":1026.3351},{"sentences":[{"text":"So do you have any questions in regards to that, or what are your thoughts on this, Josh?","start":1026.3351,"end":1030.82,"sentiment":"neutral","sentiment_score":0.13472110529740652},{"text":"Yep.","start":1036.4,"end":1036.72,"sentiment":"positive","sentiment_score":0.34782513976097107},{"text":"Beautiful.","start":1036.72,"end":1037.22,"sentiment":"positive","sentiment_score":0.5825709104537964},{"text":"So, essentially, from here is if you wanted to take some time and have a read over the document, you are more than welcome to.","start":1037.4401,"end":1043.46,"sentiment":"neutral","sentiment_score":0.33034650683403016},{"text":"If you are happy to go ahead with the recommendation in order to move forward, it would then be to sign the documents did, Julie, the same as you did for the annual review.","start":1043.84,"end":1054.075,"sentiment":"positive","sentiment_score":0.5276931300759315}],"sentiment":"positive","sentiment_score":0.37412158277215835,"num_words":79,"start":1026.3351,"end":1054.075},{"sentences":[{"text":"It will ask for your signature and date, and then it will send it back to me.","start":1054.855,"end":1059.415,"sentiment":"positive","sentiment_score":0.3731450079118504},{"text":"And that tells me that you are happy to go ahead with the recommendation, and I can let the investment team know to go and make these couple of changes for you.","start":1059.415,"end":1067.8,"sentiment":"positive","sentiment_score":0.654336592182517},{"text":"Okay.","start":1072.5,"end":1072.8201,"sentiment":"neutral","sentiment_score":0.2916952967643738},{"text":"Yep.","start":1072.8201,"end":1073.14,"sentiment":"positive","sentiment_score":0.4136099815368652},{"text":"Beautiful.","start":1073.14,"end":1073.64,"sentiment":"positive","sentiment_score":0.7186323404312134}],"sentiment":"positive","sentiment_score":0.5520418019822011,"num_words":52,"start":1054.855,"end":1073.64},{"sentences":[{"text":"I'll just hold up and see make sure that all comes through.","start":1073.86,"end":1076.525,"sentiment":"positive","sentiment_score":0.4741283332308133},{"text":"And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with the nominations.","start":1078.905,"end":1087.325,"sentiment":"neutral","sentiment_score":0.31610890863270596},{"text":"It should Comfor and let the investment team know.","start":1087.38,"end":1111.77,"sentiment":"positive","sentiment_score":0.3613910563290119},{"text":"It's also there if you ever wanna go back and have a look at it.","start":1113.53,"end":1116.25,"sentiment":"neutral","sentiment_score":0.1795705149571101},{"text":"So if you go back and click on the link at any point in time, you can access the documents.","start":1116.25,"end":1120.11,"sentiment":"neutral","sentiment_score":0.14741472564637662}],"sentiment":"neutral","sentiment_score":0.2794243540395709,"num_words":85,"start":1073.86,"end":1120.11},{"sentences":[{"text":"You can also download them.","start":1120.41,"end":1122.01,"sentiment":"neutral","sentiment_score":0.12533302009105682},{"text":"And then if you wanted to look at, like, your computer or something like that as well, If you ever have any issues, though, just let us know, and we can always email you a copy because we always keep it on file for you.","start":1122.01,"end":1131.8251,"sentiment":"neutral","sentiment_score":0.11744719586438603},{"text":"Yep.","start":1132.845,"end":1133.345,"sentiment":"neutral","sentiment_score":0.2387298345565796},{"text":"Yep.","start":1135.485,"end":1135.805,"sentiment":"neutral","sentiment_score":0.3129136264324188},{"text":"Beautiful.","start":1135.805,"end":1136.285,"sentiment":"positive","sentiment_score":0.6724914312362671}],"sentiment":"neutral","sentiment_score":0.13464007182222493,"num_words":53,"start":1120.41,"end":1136.285},{"sentences":[{"text":"I can actually see how my end date just came through, which is great.","start":1136.285,"end":1139.745,"sentiment":"positive","sentiment_score":0.6120566172259194},{"text":"So I will let the team know, and I will let you get back to your busy day.","start":1140.23,"end":1144.79,"sentiment":"positive","sentiment_score":0.49207200441095567},{"text":"But do you have any other questions for me before I let you go?","start":1144.79,"end":1147.77,"sentiment":"neutral","sentiment_score":0.09022725932300091},{"text":"No.","start":1149.5901,"end":1150.0901,"sentiment":"neutral","sentiment_score":-0.13314709067344666},{"text":"Yes.","start":1153.1901,"end":1153.6901,"sentiment":"neutral","sentiment_score":0.012563925236463548}],"sentiment":"positive","sentiment_score":0.38684764970093966,"num_words":48,"start":1136.285,"end":1153.6901},{"sentences":[{"text":"I will get yep.","start":1154.0149,"end":1155.455,"sentiment":"neutral","sentiment_score":0.041902665281668305},{"text":"I will get onto the team today and get them to email that to you.","start":1155.455,"end":1158.6549,"sentiment":"neutral","sentiment_score":0.28101699948310854},{"text":"So keep a lookout for that, and we'll keep a lookout for that to come back.","start":1158.6549,"end":1162.6749,"sentiment":"neutral","sentiment_score":0.12265118258073926},{"text":"Beautiful.","start":1162.8949,"end":1163.3949,"sentiment":"positive","sentiment_score":0.7246142625808716},{"text":"Well, thank you so much for your time today, Josh, and let me know if you need anything else.","start":1163.615,"end":1168.929,"sentiment":"positive","sentiment_score":0.49698303090898616}],"sentiment":"neutral","sentiment_score":0.3002286622639407,"num_words":55,"start":1154.0149,"end":1168.929},{"sentences":[{"text":"Alright.","start":1170.829,"end":1171.309,"sentiment":"positive","sentiment_score":0.36228227615356445},{"text":"Thank you.","start":1171.309,"end":1172.0289,"sentiment":"positive","sentiment_score":0.5628812313079834},{"text":"Bye.","start":1172.0289,"end":1172.5289,"sentiment":"neutral","sentiment_score":0.21130353212356567},{"text":"You too.","start":1172.669,"end":1173.4089,"sentiment":"neutral","sentiment_score":0.12385821342468262},{"text":"Bye.","start":1173.629,"end":1174.129,"sentiment":"neutral","sentiment_score":-0.1272110641002655}],"sentiment":"neutral","sentiment_score":0.2599790905203138,"num_words":7,"start":1170.829,"end":1174.129}]}}]},{"alternatives":[{"transcript":"Hello? Sorry. Yes. No. I bloody one of the truck drivers just rang me up, and then I tried to stop that. And then I had another phone call from one of the blokes in the factory. I tried to stop that, and I must've hung up on everyone. Yes. It's yeah. Josh Leslie Gettke. 25th Of 9th 78. 11 Yuraga Place, City Heights. Yeah. I think you said last time, didn't it? It's in your you it's in your I don't know. Yeah. It's your best interest to make money because then that's the only way you just make money and something like that. What it's about? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Makes sense. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Okay. Yep. Yep. I can. Yep. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. That is good, Deb. Cool. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yes. Yep. Mhmm. Oh, Capital Guy and ship. Yep. Mhmm. Yep. Yeah. Yep. Yep. That is very good. Yep. It's better than 4,000. Yep. Yeah. Yep. Yep. Yep. Perfect. It does. Yep. Mhmm. Yeah. Yep. 18. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. You said that wasn't going very well. Yeah. Yep. BetaShares. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yes. Yep. Yep. Yep. Yep. Okay. It does ship. Yep. Mhmm. Okay. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Okay. Mhmm. Yep. Yep. Mhmm. I don't think I ever received that email. I think some last time you said I you're gonna send me something to sign to that Marissa. My wife got my insurance. So I don't well, I I haven't seen it. No. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. We're booked in next week to do our will, so I think yep. Yep. No. I don't think so. It seems all pretty straightforward, I think. Yep. Yep. Yep. Yep. I'm just doing that now. Yep. But only the one signature? Yep. Validate. Yep. So I've just done that now. I think it's loading. It's doing something. Yep. Yep. Yep. Yep. I've signed it. It's all in. So it's all gone through, I think. Yep. No. I don't think so. Just that other form, if that gets sent through, that I can have a sign for. Yep. Yep. Will do. Alrighty. Not a problem. Thank you very much for your time. Yep. Thank you. Have a good day. Stay out. 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Sorry. Yes. No. I bloody one of the truck drivers just rang me up, and then I tried to stop that.\n\nAnd then I had another phone call from one of the blokes in the factory. I tried to stop that, and I must've hung up on everyone. Yes. It's yeah. Josh Leslie Gettke.\n\n25th Of 9th 78. 11 Yuraga Place, City Heights. Yeah. I think you said last time, didn't it? It's in your you it's in your I don't know.\n\nYeah. It's your best interest to make money because then that's the only way you just make money and something like that. What it's about? Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Makes sense. Yep. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. I can. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. That is good, Deb. Cool.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yes. Yep. Mhmm. Oh, Capital Guy and ship.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nYep. That is very good. Yep. It's better than 4,000. Yep.\n\nYeah. Yep. Yep. Yep. Perfect.\n\nIt does. Yep. Mhmm. Yeah. Yep.\n\n18. Yep. Mhmm. Yep. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. You said that wasn't going very well. Yeah. Yep. BetaShares.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nOkay. It does ship. Yep. Mhmm. Okay.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYep. Okay. Mhmm. Yep. Yep.\n\nMhmm. I don't think I ever received that email. I think some last time you said I you're gonna send me something to sign to that Marissa. My wife got my insurance. So I don't well, I I haven't seen it.\n\nNo. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Yeah. We're booked in next week to do our will, so I think yep. Yep. No.\n\nI don't think so. It seems all pretty straightforward, I think. Yep. Yep. Yep.\n\nYep. I'm just doing that now. Yep. But only the one signature? Yep.\n\nValidate. Yep. So I've just done that now. I think it's loading. It's doing something.\n\nYep. Yep. Yep. Yep. I've signed it.\n\nIt's all in. So it's all gone through, I think. Yep. No. I don't think so.\n\nJust that other form, if that gets sent through, that I can have a sign for. Yep. Yep. Will do. Alrighty.\n\nNot a problem. Thank you very much for your time. Yep. Thank you. Have a good day.\n\nStay out. 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in.","start":1132.95,"end":1133.51,"sentiment":"neutral","sentiment_score":0.27890679240226746},{"text":"So it's all gone through, I think.","start":1133.51,"end":1135.13,"sentiment":"neutral","sentiment_score":0.293283720101629},{"text":"Yep.","start":1136.7899,"end":1137.2899,"sentiment":"positive","sentiment_score":0.5720102787017822},{"text":"No.","start":1148.525,"end":1148.685,"sentiment":"neutral","sentiment_score":-0.25486135482788086},{"text":"I don't think so.","start":1148.685,"end":1149.4851,"sentiment":"neutral","sentiment_score":-0.25334232673048973}],"sentiment":"neutral","sentiment_score":0.13709287717938423,"num_words":16,"start":1132.95,"end":1149.4851},{"sentences":[{"text":"Just that other form, if that gets sent through, that I can have a sign for.","start":1149.4851,"end":1154.2251,"sentiment":"neutral","sentiment_score":-0.048999188118614256},{"text":"Yep.","start":1154.3651,"end":1154.8651,"sentiment":"neutral","sentiment_score":0.040048979222774506},{"text":"Yep.","start":1159.26,"end":1159.76,"sentiment":"neutral","sentiment_score":0.10032300651073456},{"text":"Will do.","start":1161.1001,"end":1161.76,"sentiment":"neutral","sentiment_score":0.06292463839054108},{"text":"Alrighty.","start":1163.18,"end":1163.66,"sentiment":"positive","sentiment_score":0.4631475508213043}],"sentiment":"neutral","sentiment_score":-0.0026008665029491696,"num_words":21,"start":1149.4851,"end":1163.66},{"sentences":[{"text":"Not a problem.","start":1163.66,"end":1164.48,"sentiment":"positive","sentiment_score":0.3517366747061412},{"text":"Thank you very much for your time.","start":1165.2089,"end":1166.8289,"sentiment":"positive","sentiment_score":0.7602570227214268},{"text":"Yep.","start":1167.4489,"end":1167.9489,"sentiment":"neutral","sentiment_score":0.18205663561820984},{"text":"Thank you.","start":1169.6089,"end":1170.3489,"sentiment":"positive","sentiment_score":0.5899125635623932},{"text":"Have a good day.","start":1171.289,"end":1172.3489,"sentiment":"positive","sentiment_score":0.5431580245494843}],"sentiment":"positive","sentiment_score":0.5830307673005497,"num_words":17,"start":1163.66,"end":1172.3489},{"sentences":[{"text":"Stay out.","start":1172.4089,"end":1173.049,"sentiment":"neutral","sentiment_score":0.21918384730815887},{"text":"Bye.","start":1173.049,"end":1173.549,"sentiment":"neutral","sentiment_score":0.1265752911567688}],"sentiment":"neutral","sentiment_score":0.18831432859102884,"num_words":3,"start":1172.4089,"end":1173.549}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello? Is this Josh?\n\nChannel 1: Sorry. Yes.\n\nChannel 0: I'm all good. I didn't know if it was me or you.\n\nChannel 1: No. I bloody one of the truck drivers just rang me up, and then I tried to stop that. And then I had another phone call from one of the blokes in the factory. I tried to stop that, and I must've\n\nChannel 0: Not all good.\n\nChannel 1: hung up\n\nChannel 0: Basic\n\nChannel 1: on everyone.\n\nChannel 0: basic morning. Now, Josh, because I called you back, even though I can hear that it is you, I will just need you to just confirm your full name, date of birth, and\n\nChannel 1: Yes.\n\nChannel 0: address again for me. Sorry.\n\nChannel 1: It's yeah. Josh Leslie Gettke. 25th Of 9th 78. 11\n\nChannel 0: Yep.\n\nChannel 1: Yuraga Place, City Heights.\n\nChannel 0: Yep. Beautiful. If it happens again, I'll just call you back, Josh.\n\nChannel 1: Yeah.\n\nChannel 0: But, essentially, did you hear that thing about the best interest studio? Do you want me to recap it for you again?\n\nChannel 1: I think you said last time, didn't it? It's in your you\n\nChannel 0: Yes.\n\nChannel 1: it's in your I don't know. Yeah. It's your best interest to make money because then that's the only way you just make money and something like that. What\n\nChannel 0: Yes.\n\nChannel 1: it's about?\n\nChannel 0: So so this is this is more just a legislation to protect you. So\n\nChannel 1: Yep.\n\nChannel 0: this has it's to make sure that anything that we recommend and how we act are always in your best interest. It's not\n\nChannel 1: Yep.\n\nChannel 0: anything\n\nChannel 1: Yep.\n\nChannel 0: to do with us. It is making sure that we take whatever is best specifically for you and only you above\n\nChannel 1: Yep.\n\nChannel 0: anything else.\n\nChannel 1: Yep.\n\nChannel 0: It is also to make sure that what we do recommend puts you in a better position as a result of the advice. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: we can't actually make the recommendation. And if we don't act in just your best interest, then we I will lose my license. So\n\nChannel 1: Yep.\n\nChannel 0: there's a lot of things in place to protect you and make sure that anything we recommend is solely for the benefit of you\n\nChannel 1: Yep.\n\nChannel 0: at the end of the day. Does that make sense?\n\nChannel 1: Yep. Makes sense. Yep.\n\nChannel 0: Yep. Okay. Perfect. Now as you scroll through, if you can kind of scroll with me, you will see table of content, pretty self explanatory,\n\nChannel 1: Yep.\n\nChannel 0: scope of advice. Basically,\n\nChannel 1: Yep.\n\nChannel 0: what this means is just the areas we're looking at today. But like I said, pretty simple. Just looking at your superannuation, make sure we continue to grow your superannuation by looking at reducing the level of risk just a little bit to minimize those fluctuations.\n\nChannel 1: Yep.\n\nChannel 0: And I have also just included some information in regards to estate planning. I do always recommend everyone to consider setting up the will and the power of attorney. So I have just included that information for you as\n\nChannel 1: Yep.\n\nChannel 0: well. Otherwise, we're not making any changes to insurances or anything. It is literally simply looking at your super investments today.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you can scroll down through page 10 for me, it kind of outlines your risk\n\nChannel 1: Mhmm.\n\nChannel 0: profile. Yep. So this kind of talks\n\nChannel 1: Yep.\n\nChannel 0: going back to the annual review we did that we are looking at a growth portfolio. So it's still obviously making sure we maximize that growth for you, but reducing it from that high growth a little bit. So not as much fluctuations,\n\nChannel 1: Yep.\n\nChannel 0: but still very much focusing on growth. Just one step down.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now what this actual blockage has or recommendation is outlined on page 12. So let me know if you can see where it says strategy recommendation, the heading.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So what I have recommended is that you stay in hub twenty four and literally just change a a couple of your investments. So part of the research is also making sure that hub twenty four is still the best option for you. There's hundreds\n\nChannel 1: Yep.\n\nChannel 0: of different super funds out there, and it is good to do research every now and then as well because there's always new products that comes out. There's new features and updates. So it is important\n\nChannel 1: Okay.\n\nChannel 0: to\n\nChannel 1: Yep.\n\nChannel 0: kind of keep up to date with things and making sure that it's still the most competitive option for you because\n\nChannel 1: Yep.\n\nChannel 0: there's absolutely nothing, obviously, tying us to hub twenty four, so it is good to just reassess and make sure that's still the best option. And\n\nChannel 1: Mhmm.\n\nChannel 0: after doing research, I have recommended you stay in hub twenty four. They are very competitive when it comes to their fees, investment choices, and flexibility. And I do\n\nChannel 1: Yep.\n\nChannel 0: use hub twenty four for my personal super as well. So\n\nChannel 1: Yep.\n\nChannel 0: definitely recommend you stay in hub twenty four and literally just change a couple of investments around today.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now what that actually looks like is if you can scroll down so as you scroll, you will see advantages, disadvantages, risks, and alternatives that I have considered. I'll kind\n\nChannel 1: Yep.\n\nChannel 0: of summarize it in the table for you. So if you can scroll to page 16, I often find that it's easier to look at it this way and kind of see it than just kind of reading through all the words.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So can you see that kind of fee comparison table?\n\nChannel 1: I can. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So what this essentially shows here is, obviously, staying in Hub 24 and then recommended staying in Hub 24 but changing investments. Now what that actually looks like for you, though, is that by making just a few minor changes to your investments and reducing that risk down, it is actually saving you about $942 per year in investment fees alone, which is\n\nChannel 1: Yep. Okay.\n\nChannel 0: really good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So it is making it cheaper\n\nChannel 1: Mhmm.\n\nChannel 0: for you as well as reducing the risk. No changes to fee structure, contributions, or insurances. That's\n\nChannel 1: Yep.\n\nChannel 0: all the same. It is literally just from the investment fees, which is great. Now at the bottom there, you should see investor profile five year rolling average. So\n\nChannel 1: Mhmm.\n\nChannel 0: this kind of outlines the current portfolio and the recommended. Now often when you are in a high growth portfolio, you will see more fluctuations, especially when there's a bit of market turbulence as well like we have had. So\n\nChannel 1: Mhmm.\n\nChannel 0: the good thing is that by actually reducing your risk, typically, sometimes you can see returns not being as great because in return, you get kind of things a little bit more stable.\n\nChannel 1: Yep.\n\nChannel 0: With the changes in your portfolio that I have recommended, it is actually improving the returns as well, which is great.\n\nChannel 1: That is good, Deb.\n\nChannel 0: So it is reducing the risk, but also improving the performance. So\n\nChannel 1: Cool.\n\nChannel 0: you can see\n\nChannel 1: Yep.\n\nChannel 0: here that we had used a five year rolling average. Obviously, when it comes to investments, market performance, you can't guarantee anything. You don't know what's going to happen,\n\nChannel 1: Mhmm.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: that is why we use a five year rolling average. So using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty with what has happened in the market and the portfolio itself. So it\n\nChannel 1: Mhmm.\n\nChannel 0: gives you a little bit more certainty, if that makes sense, Josh.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Josh. Yep. Beautiful. Now the one thing I do want to mention is at the top where it says balance, and you can see a difference of a $161. Can you see that?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. So, basically, what this is so in your super innovate superannuation similar to outside super, if you are selling investments that have made a profit, you will have to pay capital gains tax on investments. So same as if you were to sell an investment property, the\n\nChannel 1: Mhmm.\n\nChannel 0: same\n\nChannel 1: Oh,\n\nChannel 0: applies\n\nChannel 1: Capital\n\nChannel 0: within\n\nChannel 1: Guy and ship.\n\nChannel 0: yes. The fun one. The same thing applies in the super environment. Now it\n\nChannel 1: Yep.\n\nChannel 0: is different in that it takes place within the super environment. It's not something you have to pay for, like, personally out of pocket.\n\nChannel 1: Mhmm.\n\nChannel 0: It's not something you ever have to declare on a tax return. That's something to be mindful of. Now\n\nChannel 1: Yep.\n\nChannel 0: we wanna minimize this as much as possible for you, obviously. And if I were to look at changing all of your investments around, the estimated capital gains tax would have been about 4,832. So, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: want\n\nChannel 1: Yep.\n\nChannel 0: to minimize that. So what I\n\nChannel 1: Yep.\n\nChannel 0: have been able to kind of reduce it for you while still making sure we change the investments we want to is now estimated at only a $161, which is really\n\nChannel 1: That is very good. Yep.\n\nChannel 0: good. Yeah. But something\n\nChannel 1: It's\n\nChannel 0: I\n\nChannel 1: better\n\nChannel 0: do\n\nChannel 1: than\n\nChannel 0: wanna\n\nChannel 1: 4,000.\n\nChannel 0: obviously\n\nChannel 1: Yep.\n\nChannel 0: let\n\nChannel 1: Yeah.\n\nChannel 0: yes. Definitely. And, obviously, the investment fees, and that is just like a one off when we do make the change. The\n\nChannel 1: Yep.\n\nChannel 0: investment change that you are saving on fees is 942. So\n\nChannel 1: Yep.\n\nChannel 0: net of everything, you're still saving, but, obviously, something I do want to let you know\n\nChannel 1: Yep.\n\nChannel 0: as well. Yep.\n\nChannel 1: Perfect.\n\nChannel 0: Does that all make sense?\n\nChannel 1: It does. Yep.\n\nChannel 0: Yep. Perfect. Now at the bottom of that page, you can then see things projected forward five and ten years. And you\n\nChannel 1: Mhmm.\n\nChannel 0: can see that even though it's just a couple of minor changes, it all compounds over time and makes a pretty big difference, which you can kind of\n\nChannel 1: Yeah.\n\nChannel 0: see outlined here for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now what that actually looks like in terms of the investments is then a page 18. If you can see that.\n\nChannel 1: 18.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So there's, like, a little table with all the investments, which can look a little bit messy.\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, what it shows, it shows the investment name, so what the investments are called. You then\n\nChannel 1: Yep.\n\nChannel 0: have the kind of special little code associated with it. You have the current weight, so how much you currently have in each investment option and what I have recommended,\n\nChannel 1: Mhmm.\n\nChannel 0: what the balance looks like, and then the buy and sell column. So the buy and sell column, what is in red is what we are either completely selling out of or just reducing your exposure to that you already have in your portfolio. And then what is black at the bottom is either what we are adding to your portfolio or just increasing\n\nChannel 1: Yep.\n\nChannel 0: the exposure a little bit too. Then you have\n\nChannel 1: Yep.\n\nChannel 0: the target weight, so how much we're aiming to have in each option, and then what that looks like from a dollar value. So,\n\nChannel 1: Yep.\n\nChannel 0: really, there's only two kind of major changes,\n\nChannel 1: Mhmm.\n\nChannel 0: which is selling you out of Benelong Australian Equity, which is the first option listed here.\n\nChannel 1: Yep.\n\nChannel 0: And that was that option I kind of touched on a bit during the annual review that I wanted to reassess for you that was\n\nChannel 1: Yep.\n\nChannel 0: underperforming\n\nChannel 1: You said that\n\nChannel 0: a\n\nChannel 1: wasn't\n\nChannel 0: little bit\n\nChannel 1: going\n\nChannel 0: if\n\nChannel 1: very\n\nChannel 0: you remember\n\nChannel 1: well.\n\nChannel 0: that. Correct. So we wanted to get you out of this one. But because we are then getting you out of an Australian investment, we wanna make sure we still give\n\nChannel 1: Yeah.\n\nChannel 0: you good exposure to the Australian market. We don't\n\nChannel 1: Yep.\n\nChannel 0: want just everything overseas. We wanna make sure we keep things diversified. So instead, we've introduced at the bottom there, which is the where it says\n\nChannel 1: BetaShares.\n\nChannel 0: beta shares Australia. Yes.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, what this is, it's very diversified because it invests in the 200 largest companies listed in Australia. So very diversified\n\nChannel 1: Yep.\n\nChannel 0: for you. So, obviously, if something were to happen to one company, it won't impact things as much because you do have 200 different companies listed in there. So a little bit smoother. It has performed better than the Benelung investment and is, cheaper for you\n\nChannel 1: Yep.\n\nChannel 0: as well. So that's where you do see some of those investment savings because there's\n\nChannel 1: Yep.\n\nChannel 0: a little bit kind of simplified investment structure.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, otherwise, we have recommended that you so the Global X, Battery Tech, and Lithium, you already have it in your portfolio. But because we are moving from a high growth to a growth, it is just reducing the exposure a little bit down to 4% because this\n\nChannel 1: Mhmm.\n\nChannel 0: is one of those satellite investments that can do really well and form part of maximizing growth, but they can also fluctuate a little bit more, be a little bit more\n\nChannel 1: Yep.\n\nChannel 0: volatile. So we just wanna reduce the risk exposure a little bit, but still\n\nChannel 1: Yep.\n\nChannel 0: very much a good option for you. The\n\nChannel 1: Mhmm.\n\nChannel 0: one underneath that is also one of those satellite investments. And in as we're reducing risk for you, we're just getting you out of this investment and instead introducing more in dispensive.\n\nChannel 1: Yep.\n\nChannel 0: You can then see the next four, essentially, we're still keeping in your portfolio. We are, again, just reducing the risk exposure for you a little bit. We're\n\nChannel 1: Yes.\n\nChannel 0: still keeping them in the portfolio. The same goes for the iShares Global Healthcare, still keeping it in your portfolio. Just increasing exposure a little bit to 4%. You then have your defensive. So you have your fixed interest.\n\nSo Vanguard diversified index. You already had it at about 14.41. Just increasing it up to that 16% to kind of realigning\n\nChannel 1: Yep.\n\nChannel 0: back to the growth portfolio, introducing\n\nChannel 1: Yep.\n\nChannel 0: another defensive or another kind of fixed interest to diversify things for you, 8%, and then introducing 5% into gold to the portfolio as well to kind\n\nChannel 1: Yep.\n\nChannel 0: of stabilize everything, especially a bit of.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: overall, not massive changes. Does that make sense?\n\nChannel 1: It does ship.\n\nChannel 0: Yep. Yep. Okay. Beautiful. If it was that you wanted to go and have a bit of a read over this in your own time on the investments, in the appendix, which is the second document, I have included\n\nChannel 1: Yep.\n\nChannel 0: all the investment links there for you. So all the transparency\n\nChannel 1: Mhmm.\n\nChannel 0: is there if you ever wanted to go and have a bit of a read over that as well.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now on the next page, you should see a little table where it says cash account.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So with hub twenty four, they do have a minimum of cash that needs to be in each account, which is\n\nChannel 1: Mhmm.\n\nChannel 0: 1.25%. Now we wanna keep this, obviously, as close to 1.25% as possible because, obviously, your\n\nChannel 1: Yep.\n\nChannel 0: cash isn't gonna grow as much as your investments. It will fluctuate a little bit when you do have contributions and stuff coming into the account before the\n\nChannel 1: Yep.\n\nChannel 0: trade has taken place, but we do\n\nChannel 1: Mhmm.\n\nChannel 0: wanna keep that as close to 1.25 as possible.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: then kind of lastly, on the next page, it shows you the proposed asset allocation, if you can see that little pie chart on the table. Yep. So this\n\nChannel 1: Mhmm.\n\nChannel 0: basically shows your your risk profile, which is that eighty twenty allocation. So about 80% of growth, 20 to defensive.\n\nChannel 1: Yep.\n\nChannel 0: You can then\n\nChannel 1: Yep.\n\nChannel 0: see your existing. So at the moment, you have about 88.46 in growth and about 11.54 in defensive. The proposed is aligning more with that growth profile for you, reducing your growth investments down to about 79.79, and then defensive, I think that a little back to 20.21 for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. The next couple of pages just then talks about that estate planning. So we have everything sorted with your hub twenty four account. Like I mentioned during the under review as well, we are just waiting on your insurance nomination.\n\nChannel 1: I don't think\n\nChannel 0: Did\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: ever received that email. I think some last time you said I you're gonna send me something to sign to that\n\nChannel 0: yes.\n\nChannel 1: Marissa.\n\nChannel 0: Yes.\n\nChannel 1: My\n\nChannel 0: You\n\nChannel 1: wife\n\nChannel 0: didn't\n\nChannel 1: got\n\nChannel 0: get\n\nChannel 1: my\n\nChannel 0: that\n\nChannel 1: insurance.\n\nChannel 0: email\n\nChannel 1: So\n\nChannel 0: from my\n\nChannel 1: I\n\nChannel 0: colleague?\n\nChannel 1: don't well, I I haven't seen\n\nChannel 0: Okay. I will\n\nChannel 1: it.\n\nChannel 0: so it will cover my colleague, Whitlam.\n\nChannel 1: No.\n\nChannel 0: Once I get off the phone, I'll just touch base with him. If\n\nChannel 1: Yep.\n\nChannel 0: he did send an I'll just get him to resend it for you\n\nChannel 1: Yep.\n\nChannel 0: so it's at the top of the inbox for you.\n\nChannel 1: Okay.\n\nChannel 0: So, yeah, we'll get that sorted. And, obviously, because it is going through your partner, it's\n\nChannel 1: Yep.\n\nChannel 0: completely tax free. If something were to happen to her, the type of nomination I have recommended is same as what you have on your super account. It\n\nChannel 1: Yep.\n\nChannel 0: means binding, so the trustee has to follow your wishes. Non lapsing\n\nChannel 1: Yep.\n\nChannel 0: means it stays in place until you decide to change it. It's not something you have to change every three years, which can be\n\nChannel 1: Yep.\n\nChannel 0: painful\n\nChannel 1: Okay.\n\nChannel 0: otherwise.\n\nChannel 1: Yep.\n\nChannel 0: So, obviously, the thing to be mindful of is because it stays in place until you try change it. If your situation ever changed, just let us know.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, yeah, it stays in place. Now I can let me see here. So the next couple of pages, it just talks about that will, power of attorney. I'll let you have a read over that in your own time. Like I said, it it is something I always recommend everyone to\n\nChannel 1: Yeah. We're\n\nChannel 0: consider.\n\nChannel 1: booked\n\nChannel 0: So\n\nChannel 1: in\n\nChannel 0: it's\n\nChannel 1: next week\n\nChannel 0: all\n\nChannel 1: to do our will, so I think\n\nChannel 0: oh, beautiful.\n\nChannel 1: yep.\n\nChannel 0: That's great. And, otherwise, there's no changes in regards to that\n\nChannel 1: Yep.\n\nChannel 0: fee structure like I mentioned during the annual review that stays the same. There's no additional fees and charges with this advice or research either. It is all part of that ongoing service for you, so no additional fees at all. And that was essentially everything. So do you have any questions in regards to that, or what are your thoughts on this, Josh?\n\nChannel 1: No. I don't think so. It seems all pretty straightforward, I think.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, from here is if you wanted to take some time and have a read over the document, you are more than welcome to. If\n\nChannel 1: Yep.\n\nChannel 0: you are happy to go ahead with the recommendation in order to move forward, it would then be to sign the documents did, Julie, the same as you did for the annual review.\n\nChannel 1: Yep.\n\nChannel 0: It will ask for your signature and date, and then it will send it back to me. And that tells me that you are happy to go ahead with the recommendation, and I can let the investment team know to go and make these couple of changes for you.\n\nChannel 1: Yep. I'm just doing that now.\n\nChannel 0: Okay. Yep. Beautiful. I'll just hold up and see make sure that all comes through. And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with\n\nChannel 1: Yep.\n\nChannel 0: the nominations. It\n\nChannel 1: But only the one signature?\n\nChannel 0: should\n\nChannel 1: Yep. Validate. Yep. So I've just done that now. I think it's loading.\n\nIt's doing something.\n\nChannel 0: Comfor and let the investment team know.\n\nChannel 1: Yep.\n\nChannel 0: It's also there if you ever wanna go back and have a look at it. So if you go back and click on the link at any point in time, you can access the documents. You\n\nChannel 1: Yep.\n\nChannel 0: can also download them. And then if you wanted to look at, like, your computer or something like that as well, If you ever have\n\nChannel 1: Yep.\n\nChannel 0: any issues, though, just let us know, and we can always email you a copy because we always keep it on file for you.\n\nChannel 1: Yep. I've signed it.\n\nChannel 0: Yep.\n\nChannel 1: It's all in. So it's all gone through, I think.\n\nChannel 0: Yep. Beautiful. I can actually\n\nChannel 1: Yep.\n\nChannel 0: see how my end date just came through, which is great. So I will let the team know, and I will let you get back to your busy day. But do you have any other questions for me before I let you go?\n\nChannel 1: No. I don't think so. Just\n\nChannel 0: No.\n\nChannel 1: that other form, if that gets sent through, that I can have a\n\nChannel 0: Yes.\n\nChannel 1: sign for.\n\nChannel 0: I will get\n\nChannel 1: Yep.\n\nChannel 0: yep. I will get onto the team today and get them to email that to you. So keep a lookout\n\nChannel 1: Yep.\n\nChannel 0: for that, and we'll keep\n\nChannel 1: Will\n\nChannel 0: a lookout\n\nChannel 1: do.\n\nChannel 0: for that to come back. Beautiful.\n\nChannel 1: Alrighty.\n\nChannel 0: Well,\n\nChannel 1: Not a problem.\n\nChannel 0: thank you\n\nChannel 1: Thank\n\nChannel 0: so\n\nChannel 1: you\n\nChannel 0: much\n\nChannel 1: very\n\nChannel 0: for your\n\nChannel 1: much\n\nChannel 0: time\n\nChannel 1: for your\n\nChannel 0: today,\n\nChannel 1: time.\n\nChannel 0: Josh, and let\n\nChannel 1: Yep.\n\nChannel 0: me know if you need anything else.\n\nChannel 1: Thank you.\n\nChannel 0: Alright.\n\nChannel 1: Have\n\nChannel 0: Thank\n\nChannel 1: a good\n\nChannel 0: you.\n\nChannel 1: day.\n\nChannel 0: Bye.\n\nChannel 1: Stay\n\nChannel 0: You\n\nChannel 1: out.\n\nChannel 0: too.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.005651210900396109}],"sentiment":"neutral","sentiment_score":0.005651210900396109,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hello?","start":2.24,"end":2.72,"sentiment":"neutral","sentiment_score":0.006391524337232113},{"text":"Is this Josh?","start":2.72,"end":3.62,"sentiment":"neutral","sentiment_score":0.004041517774264018}],"sentiment":"neutral","sentiment_score":0.0046290194150060415,"channel":0,"num_words":4,"start":2.24,"end":3.62},{"sentences":[{"text":"Sorry.","start":3.36,"end":3.84,"sentiment":"neutral","sentiment_score":-0.09330420196056366},{"text":"Yes.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.14530110359191897}],"sentiment":"neutral","sentiment_score":0.025998450815677657,"channel":1,"num_words":2,"start":3.36,"end":4.34},{"sentences":[{"text":"I'm all 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still the best option for you.","start":221.43,"end":227.53,"sentiment":"neutral","sentiment_score":0.210826076567173},{"text":"There's hundreds","start":227.67,"end":228.39,"sentiment":"neutral","sentiment_score":0.10909374430775642}],"sentiment":"neutral","sentiment_score":0.16454270886986153,"channel":0,"num_words":46,"start":214.025,"end":228.39},{"sentences":[{"text":"Yep.","start":228.08,"end":228.58,"sentiment":"neutral","sentiment_score":-0.007873818278312683}],"sentiment":"neutral","sentiment_score":-0.007873818278312683,"channel":1,"num_words":1,"start":228.08,"end":228.58},{"sentences":[{"text":"of different super funds out there, and it is good to do research every now and then as well because there's always new products that comes out.","start":228.39,"end":235.13501,"sentiment":"neutral","sentiment_score":0.2269078753888607},{"text":"There's new features and updates.","start":235.13501,"end":236.995,"sentiment":"neutral","sentiment_score":0.1502329021692276},{"text":"So 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best interest studio is to make money and reduce risk, and recommends staying in hub 24 and reducing risk to improve performance. The speaker emphasizes the importance of minimizing risk and reducing exposure to the current portfolio. The company is reducing risk exposure and introducing more investment into the portfolio to diversify the portfolio. The speaker recommends signing documents and provides instructions for accessing and reviewing documents, and offers to provide follow-up assistance. There is no additional fees or charges, and the company is not providing additional fees or charges."},"intents":{"segments":[{"text":"Just looking at your superannuation, make sure we continue to grow your superannuation by looking at reducing the level of risk just a little bit to minimize those fluctuations. Yep.","start_word":406,"end_word":435,"intents":[{"intent":"Enhance superannuation growth","confidence_score":0.003150031}]},{"text":"after doing research, I have recommended you stay in hub twenty four. They are very competitive when it comes to their fees, investment choices, and flexibility. And I do Yep.","start_word":747,"end_word":776,"intents":[{"intent":"Suggest staying in hub twenty four","confidence_score":0.0037541443}]},{"text":"after doing research, I have recommended you stay in hub twenty four. They are very competitive when it comes to their fees, investment choices, and flexibility. And I do Yep. use hub twenty four for my personal super as well. So Yep. definitely recommend you stay in hub twenty four and literally just change a couple of investments around today.","start_word":747,"end_word":806,"intents":[{"intent":"Explain advantages and disadvantages of investing in hub twenty four","confidence_score":0.00003411657}]},{"text":"So can you see that kind of fee comparison table? I can. Yep.","start_word":884,"end_word":896,"intents":[{"intent":"Offer comparison table","confidence_score":0.003297811}]},{"text":"Now what that actually looks like for you, though, is that by making just a few minor changes to your investments and reducing that risk down, it is actually saving you about $942 per year in investment fees alone, which is Yep.","start_word":922,"end_word":963,"intents":[{"intent":"Provide investment fees on investments","confidence_score":0.000011667958}]},{"text":"this kind of outlines the current portfolio and the recommended.","start_word":1025,"end_word":1034,"intents":[{"intent":"Explain portfolio principles","confidence_score":0.000149827}]},{"text":"It's not something you have to pay for, like, personally out of pocket. Mhmm.","start_word":1354,"end_word":1367,"intents":[{"intent":"Reduce tax return cost","confidence_score":0.004569015}]},{"text":"And, obviously, the investment fees, and that is just like a one off when we do make the change. The Yep.","start_word":1486,"end_word":1506,"intents":[{"intent":"Reduce investment fees","confidence_score":0.21757495}]},{"text":"Now what that actually looks like in terms of the investments is then a page 18. If you can see that. 18. Yep.","start_word":1607,"end_word":1629,"intents":[{"intent":"See investments in a page","confidence_score":8.267203e-7}]},{"text":"Basically, what it shows, it shows the investment name, so what the investments are called. You then Yep.","start_word":1649,"end_word":1666,"intents":[{"intent":"Clarify investment names","confidence_score":0.0049160765}]},{"text":"And that was that option I kind of touched on a bit during the annual review that I wanted to reassess for you that was Yep.","start_word":1824,"end_word":1849,"intents":[{"intent":"Reassess portfolio and target weight","confidence_score":0.0031808468}]},{"text":"underperforming You said that a wasn't little bit going if very you remember well. that.","start_word":1850,"end_word":1864,"intents":[{"intent":"Improve performance and savings","confidence_score":0.00026817177}]},{"text":"So instead, we've introduced at the bottom there, which is the where it says BetaShares. beta shares Australia. Yes. Yep. So, essentially, what this is, it's very diversified because it invests in the 200 largest companies listed in Australia. So very diversified Yep.","start_word":1918,"end_word":1960,"intents":[{"intent":"Disdiversified investments","confidence_score":0.0012619568}]},{"text":"But because we are moving from a high growth to a growth, it is just reducing the exposure a little bit down to 4% because this Mhmm.","start_word":2055,"end_word":2081,"intents":[{"intent":"Reduce risk exposure","confidence_score":0.792637}]},{"text":"is one of those satellite investments that can do really well and form part of maximizing growth, but they can also fluctuate a little bit more, be a little bit more Yep. volatile.","start_word":2082,"end_word":2114,"intents":[{"intent":"Recommend satellite investments","confidence_score":0.13735542}]},{"text":"of stabilize everything, especially a bit of.","start_word":2297,"end_word":2303,"intents":[{"intent":"Reassure about portfolio stability","confidence_score":0.00005145477}]},{"text":"is there if you ever wanted to go and have a bit of a read over that as well. Okay. Yep. Perfect. Now on the next page, you should see a little table where it says cash account. Yep. Yep. So with hub twenty four, they do have a minimum of cash that needs to be in each account, which is Mhmm. 1.25%.","start_word":2371,"end_word":2433,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.0010121032}]},{"text":"he did send an I'll just get him to resend it for you Yep.","start_word":2722,"end_word":2735,"intents":[{"intent":"Resend nomination","confidence_score":0.18206963}]},{"text":"If something were to happen to her, the type of nomination I have recommended is same as what you have on your super account.","start_word":2767,"end_word":2790,"intents":[{"intent":"Recommend nominations","confidence_score":0.0031015624}]},{"text":"So the next couple of pages, it just talks about that will, power of attorney. I'll let you have a read over that in your own time. Like I said, it it is something I always recommend everyone to Yeah.","start_word":2877,"end_word":2916,"intents":[{"intent":"Provide recommendations","confidence_score":0.00013200847}]},{"text":"We're consider.","start_word":2917,"end_word":2918,"intents":[{"intent":"Recommend changes","confidence_score":0.0050116894},{"intent":"Recommend proposal","confidence_score":0.0016867061}]},{"text":"you are happy to go ahead with the recommendation in order to move forward, it would then be to sign the documents did, Julie, the same as you did for the annual review. Yep.","start_word":3055,"end_word":3088,"intents":[{"intent":"Arrange documents signing","confidence_score":0.0000942932},{"intent":"Sign documents","confidence_score":0.00048018424}]},{"text":"It will ask for your signature and date, and then it will send it back to me. And that tells me that you are happy to go ahead with the recommendation, and I can let the investment team know to go and make these couple of changes for you. Yep.","start_word":3088,"end_word":3137,"intents":[{"intent":"Request investment team approval","confidence_score":0.008883524}]},{"text":"I'll just hold up and see make sure that all comes through. And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with Yep. the nominations.","start_word":3146,"end_word":3187,"intents":[{"intent":"Obtain confirmation","confidence_score":0.0012060975}]},{"text":"I'll just hold up and see make sure that all comes through. And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with Yep. the nominations. It But only the one signature?","start_word":3146,"end_word":3193,"intents":[{"intent":"Check completion of documents","confidence_score":0.004931921}]},{"text":"I'll just hold up and see make sure that all comes through. And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with Yep. the nominations. It But only the one signature? should Yep. Validate.","start_word":3146,"end_word":3196,"intents":[{"intent":"Confirm approval","confidence_score":0.037356023}]},{"text":"I've signed it. Yep. It's all in. So it's all gone through, I think. Yep.","start_word":3307,"end_word":3321,"intents":[{"intent":"Provide confirmation","confidence_score":0.0020283873}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Is this Josh? Sorry. Yes. I'm all good. I didn't know if it was me or you.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":-0.02182822674512863},{"text":"No. I bloody one of the truck drivers just rang me up, and then I tried to stop that. And then I had another phone call from one of the blokes in the factory. I tried to stop that, and I must've Not all good.","start_word":19,"end_word":63,"sentiment":"negative","sentiment_score":-0.4869774580001831},{"text":"hung up Basic on everyone. basic morning. Now, Josh, because I called you back, even though I can hear that it is you, I will just need you to just confirm your full name, date of birth, and Yes. address again for me. Sorry. It's yeah. Josh Leslie Gettke. 25th Of 9th 78. 11 Yep. Yuraga Place, City Heights. Yep.","start_word":64,"end_word":123,"sentiment":"neutral","sentiment_score":-0.0009612886933609844},{"text":"Beautiful.","start_word":124,"end_word":124,"sentiment":"positive","sentiment_score":0.44736894965171814},{"text":"If it happens again, I'll just call you back, Josh. Yeah. But, essentially, did you hear that thing about the best interest studio? Do you want me to recap it for you again? I think you said last time, didn't it? It's in your you Yes. it's in your I don't know. Yeah. It's your best interest to make money because then that's the only way you just make money and something like that. What Yes. it's about? So so this is this is more just a legislation to protect you. So Yep. this has it's to make sure that anything that we recommend and how we act are always in your best interest. It's not Yep. anything Yep. to do with us. It is making sure that we take whatever is best specifically for you and only you above Yep. anything else. Yep. It is also to make sure that what we do recommend puts you in a better position as a result of the advice. Otherwise, Yep.","start_word":125,"end_word":293,"sentiment":"neutral","sentiment_score":-0.05626397579908371},{"text":"we can't actually make the recommendation. And if we don't act in just your best interest, then we I will lose my license.","start_word":294,"end_word":316,"sentiment":"negative","sentiment_score":-0.5192445516586304},{"text":"So Yep. there's a lot of things in place to protect you and make sure that anything we recommend is solely for the benefit of you Yep. at the end of the day. Does that make sense? Yep. Makes sense. Yep. Yep.","start_word":317,"end_word":358,"sentiment":"neutral","sentiment_score":0.2029164738598324},{"text":"Okay. Perfect.","start_word":359,"end_word":360,"sentiment":"positive","sentiment_score":0.588050365447998},{"text":"Now as you scroll through, if you can kind of scroll with me, you will see table of content, pretty self explanatory, Yep.","start_word":361,"end_word":383,"sentiment":"neutral","sentiment_score":0.30012017488479614},{"text":"scope of advice.","start_word":384,"end_word":386,"sentiment":"positive","sentiment_score":0.33364009857177734},{"text":"Basically, Yep. what this means is just the areas we're looking at today. But like I said, pretty simple.","start_word":387,"end_word":405,"sentiment":"neutral","sentiment_score":0.2418978661298752},{"text":"Just looking at your superannuation, make sure we continue to grow your superannuation by looking at reducing the level of risk just a little bit to minimize those fluctuations.","start_word":406,"end_word":434,"sentiment":"positive","sentiment_score":0.34769660234451294},{"text":"Yep. And I have also just included some information in regards to estate planning.","start_word":435,"end_word":448,"sentiment":"neutral","sentiment_score":0.23766186833381653},{"text":"I do always recommend everyone to consider setting up the will and the power of attorney.","start_word":449,"end_word":464,"sentiment":"positive","sentiment_score":0.33567070960998535},{"text":"So I have just included that information for you as Yep. well. Otherwise, we're not making any changes to insurances or anything. It is literally simply looking at your super investments today. Yep.","start_word":465,"end_word":497,"sentiment":"neutral","sentiment_score":0.10849374532699584},{"text":"Perfect.","start_word":498,"end_word":498,"sentiment":"positive","sentiment_score":0.4219513237476349},{"text":"Now if you can scroll down through page 10 for me, it kind of outlines your risk Mhmm. profile. Yep. So this kind of talks Yep. going back to the annual review we did that we are looking at a growth portfolio. So it's still obviously making sure we maximize that growth for you, but reducing it from that high growth a little bit. So not as much fluctuations, Yep. but still very much focusing on growth. Just one step down. Yep. Yep. Now what this actual blockage has or recommendation is outlined on page 12. So let me know if you can see where it says strategy recommendation, the heading. Yep. Yep. Yep. So what I have recommended is that you stay in hub twenty four and literally just change a a couple of your investments. So part of the research is also making sure that hub twenty four is still the best option for you. There's hundreds Yep. of different super funds out there, and it is good to do research every now and then as well because there's always new products that comes out. There's new features and updates. So it is important Okay. to Yep.","start_word":499,"end_word":697,"sentiment":"neutral","sentiment_score":0.1266720136955156},{"text":"kind of keep up to date with things and making sure that it's still the most competitive option for you because Yep.","start_word":698,"end_word":719,"sentiment":"positive","sentiment_score":0.3364783823490143},{"text":"there's absolutely nothing, obviously, tying us to hub twenty four, so it is good to just reassess and make sure that's still the best option. And Mhmm. after doing research, I have recommended you stay in hub twenty four.","start_word":720,"end_word":758,"sentiment":"neutral","sentiment_score":0.2772127687931061},{"text":"They are very competitive when it comes to their fees, investment choices, and flexibility. And I do Yep. use hub twenty four for my personal super as well. So Yep. definitely recommend you stay in hub twenty four and literally just change a couple of investments around today.","start_word":759,"end_word":806,"sentiment":"positive","sentiment_score":0.44472095370292664},{"text":"Yep. Okay. Now what that actually looks like is if you can scroll down so as you scroll, you will see advantages, disadvantages, risks, and alternatives that I have considered. I'll kind Yep. of summarize it in the table for you. So if you can scroll to page 16, I often find that it's easier to look at it this way and kind of see it than just kind of reading through all the words. Yep.","start_word":807,"end_word":882,"sentiment":"neutral","sentiment_score":0.12816940248012543},{"text":"Perfect.","start_word":883,"end_word":883,"sentiment":"positive","sentiment_score":0.4742469191551209},{"text":"So can you see that kind of fee comparison table? I can. Yep. Yep.","start_word":884,"end_word":897,"sentiment":"neutral","sentiment_score":0.1549796760082245},{"text":"Beautiful.","start_word":898,"end_word":898,"sentiment":"positive","sentiment_score":0.5267083048820496},{"text":"Yep. So what this essentially shows here is, obviously, staying in Hub 24 and then recommended staying in Hub 24 but changing investments. Now what that actually looks like for you, though, is that by making just a few minor changes to your investments and reducing that risk down, it is actually saving you about $942 per year in investment fees alone, which is Yep.","start_word":899,"end_word":963,"sentiment":"neutral","sentiment_score":0.2712264955043793},{"text":"Okay. really good. Yep.","start_word":964,"end_word":967,"sentiment":"positive","sentiment_score":0.5137125253677368},{"text":"Yep. Yep.","start_word":968,"end_word":969,"sentiment":"neutral","sentiment_score":0.26403701305389404},{"text":"So it is making it cheaper for Mhmm. you as well as reducing the risk.","start_word":970,"end_word":984,"sentiment":"positive","sentiment_score":0.4131972491741181},{"text":"No changes to fee structure, contributions, or insurances.","start_word":985,"end_word":992,"sentiment":"neutral","sentiment_score":0.20007961988449097},{"text":"That's Yep. all the same. It is literally just from the investment fees, which is great.","start_word":993,"end_word":1008,"sentiment":"positive","sentiment_score":0.46939510107040405},{"text":"Now at the bottom there, you should see investor profile five year rolling average. So Mhmm. this kind of outlines the current portfolio and the recommended. Now often when you are in a high growth portfolio, you will see more fluctuations, especially when there's a bit of market turbulence as well like we have had. So Mhmm.","start_word":1009,"end_word":1065,"sentiment":"neutral","sentiment_score":0.010103315114974976},{"text":"the good thing is that by actually reducing your risk, typically, sometimes you can see returns not being as great because in return, you get kind of things a little bit more stable. Yep. With the changes in your portfolio that I have recommended, it is actually improving the returns as well, which is great. That is good, Deb. So it is reducing the risk, but also improving the performance.","start_word":1066,"end_word":1135,"sentiment":"positive","sentiment_score":0.5480213761329651},{"text":"So Cool. you can see Yep. here that we had used a five year rolling average. Obviously, when it comes to investments, market performance, you can't guarantee anything. You don't know what's going to happen, Mhmm. but Yep. that is why we use a five year rolling average. So using a five year period of time and averaging that out on a yearly basis gives us a little bit more certainty with what has happened in the market and the portfolio itself. So it Mhmm. gives you a little bit more certainty, if that makes sense, Josh. Yep. Yep. Josh. Yep.","start_word":1136,"end_word":1236,"sentiment":"neutral","sentiment_score":0.10137820243835448},{"text":"Beautiful.","start_word":1237,"end_word":1237,"sentiment":"positive","sentiment_score":0.4192699193954468},{"text":"Now the one thing I do want to mention is at the top where it says balance, and you can see a difference of a $161. Can you see that? Yes. Yep. Yep. So, basically, what this is so in your super innovate superannuation similar to outside super, if you are selling investments that have made a profit, you will have to pay capital gains tax on investments. So same as if you were to sell an investment property, the Mhmm. same Oh, applies Capital within Guy and ship. yes. The fun one. The same thing applies in the super environment. Now it Yep. is different in that it takes place within the super environment. It's not something you have to pay for, like, personally out of pocket. Mhmm. It's not something you ever have to declare on a tax return. That's something to be mindful of. Now Yep. we wanna minimize this as much as possible for you, obviously. And if I were to look at changing all of your investments around, the estimated capital gains tax would have been about 4,832. So, obviously, Yeah. want Yep. to minimize that. So what I Yep. have been able to kind of reduce it for you while still making sure we change the investments we want to is now estimated at only a $161, which is really That is very good.","start_word":1238,"end_word":1467,"sentiment":"neutral","sentiment_score":0.03557509137317538},{"text":"Yep. good.","start_word":1468,"end_word":1469,"sentiment":"positive","sentiment_score":0.3791942298412323},{"text":"Yeah. But something It's I better do than wanna 4,000. obviously Yep. let Yeah. yes. Definitely. And, obviously, the investment fees, and that is just like a one off when we do make the change. The Yep. investment change that you are saving on fees is 942. So Yep. net of everything, you're still saving, but, obviously, something I do want to let you know Yep. as well. Yep.","start_word":1470,"end_word":1538,"sentiment":"neutral","sentiment_score":0.11299140006303789},{"text":"Perfect.","start_word":1539,"end_word":1539,"sentiment":"positive","sentiment_score":0.44007670879364014},{"text":"Does that all make sense? It does. Yep. Yep.","start_word":1540,"end_word":1548,"sentiment":"neutral","sentiment_score":0.22869029641151428},{"text":"Perfect.","start_word":1549,"end_word":1549,"sentiment":"positive","sentiment_score":0.4234635829925537},{"text":"Now at the bottom of that page, you can then see things projected forward five and ten years. And you Mhmm. can see that even though it's just a couple of minor changes, it all compounds over time and makes a pretty big difference, which you can kind of Yeah. see outlined here for you. Yep.","start_word":1550,"end_word":1605,"sentiment":"neutral","sentiment_score":0.13223637640476227},{"text":"Beautiful.","start_word":1606,"end_word":1606,"sentiment":"positive","sentiment_score":0.4711262285709381},{"text":"Now what that actually looks like in terms of the investments is then a page 18. If you can see that. 18. Yep. Yep. So there's, like, a little table with all the investments, which can look a little bit messy. Mhmm. Basically, what it shows, it shows the investment name, so what the investments are called. You then Yep. have the kind of special little code associated with it. You have the current weight, so how much you currently have in each investment option and what I have recommended, Mhmm. what the balance looks like, and then the buy and sell column. So the buy and sell column, what is in red is what we are either completely selling out of or just reducing your exposure to that you already have in your portfolio. And then what is black at the bottom is either what we are adding to your portfolio or just increasing Yep. the exposure a little bit too. Then you have Yep. the target weight, so how much we're aiming to have in each option, and then what that looks like from a dollar value. So, Yep. really, there's only two kind of major changes, Mhmm. which is selling you out of Benelong Australian Equity, which is the first option listed here. Yep. And that was that option I kind of touched on a bit during the annual review that I wanted to reassess for you that was Yep. underperforming You said that a wasn't little bit going if very you remember well. that. Correct. So we wanted to get you out of this one. But because we are then getting you out of an Australian investment, we wanna make sure we still give Yeah. you good exposure to the Australian market. We don't Yep. want just everything overseas. We wanna make sure we keep things diversified. So instead, we've introduced at the bottom there, which is the where it says BetaShares. beta shares Australia. Yes. Yep. So, essentially, what this is, it's very diversified because it invests in the 200 largest companies listed in Australia. So very diversified Yep. for you. So, obviously, if something were to happen to one company, it won't impact things as much because you do have 200 different companies listed in there.","start_word":1607,"end_word":1988,"sentiment":"neutral","sentiment_score":0.04882178587731734},{"text":"So a little bit smoother. It has performed better than the Benelung investment and is, cheaper for you Yep. as well.","start_word":1989,"end_word":2009,"sentiment":"positive","sentiment_score":0.4598699808120727},{"text":"So that's where you do see some of those investment savings because there's Yep. a little bit kind of simplified investment structure. Mhmm. Now, otherwise, we have recommended that you so the Global X, Battery Tech, and Lithium, you already have it in your portfolio. But because we are moving from a high growth to a growth, it is just reducing the exposure a little bit down to 4% because this Mhmm. is one of those satellite investments that can do really well and form part of maximizing growth, but they can also fluctuate a little bit more, be a little bit more Yep. volatile. So we just wanna reduce the risk exposure a little bit, but still Yep.","start_word":2010,"end_word":2128,"sentiment":"neutral","sentiment_score":0.21861108386216044},{"text":"very much a good option for you.","start_word":2129,"end_word":2135,"sentiment":"positive","sentiment_score":0.7065473198890686},{"text":"The Mhmm. one underneath that is also one of those satellite investments. And in as we're reducing risk for you, we're just getting you out of this investment and instead introducing more in dispensive. Yep. You can then see the next four, essentially, we're still keeping in your portfolio. We are, again, just reducing the risk exposure for you a little bit. We're still Yes. keeping them in the portfolio. The same goes for the iShares Global Healthcare, still keeping it in your portfolio. Just increasing exposure a little bit to 4%. You then have your defensive. So you have your fixed interest. So Vanguard diversified index. You already had it at about 14.41. Just increasing it up to that 16% to kind of realigning Yep. back to the growth portfolio, introducing Yep. another defensive or another kind of fixed interest to diversify things for you, 8%, and then introducing 5% into gold to the portfolio as well to kind Yep. of stabilize everything, especially a bit of. Yep. So, Okay. overall, not massive changes. Does that make sense? It does ship. Yep. Yep.","start_word":2136,"end_word":2319,"sentiment":"neutral","sentiment_score":0.10980850458145142},{"text":"Okay. Beautiful.","start_word":2320,"end_word":2321,"sentiment":"positive","sentiment_score":0.4214640259742737},{"text":"If it was that you wanted to go and have a bit of a read over this in your own time on the investments, in the appendix, which is the second document, I have included Yep. all the investment links there for you. So all the transparency Mhmm. is there if you ever wanted to go and have a bit of a read over that as well. Okay.","start_word":2322,"end_word":2389,"sentiment":"neutral","sentiment_score":0.1223139118622331},{"text":"Yep. Perfect.","start_word":2390,"end_word":2391,"sentiment":"positive","sentiment_score":0.5250773429870605},{"text":"Now on the next page, you should see a little table where it says cash account. Yep. Yep. So with hub twenty four, they do have a minimum of cash that needs to be in each account, which is Mhmm. 1.25%. Now we wanna keep this, obviously, as close to 1.25% as possible because, obviously, your Yep. cash isn't gonna grow as much as your investments. It will fluctuate a little bit when you do have contributions and stuff coming into the account before the Yep. trade has taken place, but we do Mhmm. wanna keep that as close to 1.25 as possible. Yep. And Okay. then kind of lastly, on the next page, it shows you the proposed asset allocation, if you can see that little pie chart on the table. Yep. So this Mhmm. basically shows your your risk profile, which is that eighty twenty allocation. So about 80% of growth, 20 to defensive. Yep. You can then Yep. see your existing. So at the moment, you have about 88.46 in growth and about 11.54 in defensive. The proposed is aligning more with that growth profile for you, reducing your growth investments down to about 79.79, and then defensive, I think that a little back to 20.21 for you. Mhmm. Yep. The next couple of pages just then talks about that estate planning. So we have everything sorted with your hub twenty four account. Like I mentioned during the under review as well, we are just waiting on your insurance nomination. I don't think Did I you ever received that email. I think some last time you said I you're gonna send me something to sign to that yes. Marissa. Yes. My You wife didn't got get my that insurance. email So from my I colleague? don't well, I I haven't seen Okay. I will it. so it will cover my colleague, Whitlam. No. Once I get off the phone, I'll just touch base with him. If Yep. he did send an I'll just get him to resend it for you Yep. so it's at the top of the inbox for you. Okay. So, yeah, we'll get that sorted. And, obviously, because it is going through your partner, it's Yep. completely tax free. If something were to happen to her, the type of nomination I have recommended is same as what you have on your super account. It Yep. means binding, so the trustee has to follow your wishes. Non lapsing Yep. means it stays in place until you decide to change it. It's not something you have to change every three years, which can be Yep. painful Okay. otherwise. Yep. So, obviously, the thing to be mindful of is because it stays in place until you try change it. If your situation ever changed, just let us know. Yep. Otherwise, yeah, it stays in place. Now I can let me see here. So the next couple of pages, it just talks about that will, power of attorney. I'll let you have a read over that in your own time. Like I said, it it is something I always recommend everyone to Yeah. We're consider. booked So in it's next week all to do our will, so I think oh, beautiful.","start_word":2392,"end_word":2934,"sentiment":"neutral","sentiment_score":0.08292952038580981},{"text":"yep. That's great.","start_word":2935,"end_word":2937,"sentiment":"positive","sentiment_score":0.5834566950798035},{"text":"And, otherwise, there's no changes in regards to that Yep. fee structure like I mentioned during the annual review that stays the same. There's no additional fees and charges with this advice or research either.","start_word":2938,"end_word":2972,"sentiment":"neutral","sentiment_score":0.284909188747406},{"text":"It is all part of that ongoing service for you, so no additional fees at all. And that was essentially everything.","start_word":2973,"end_word":2993,"sentiment":"positive","sentiment_score":0.3665972054004669},{"text":"So do you have any questions in regards to that, or what are your thoughts on this, Josh? No. I don't think so. It seems all pretty straightforward, I think.","start_word":2994,"end_word":3023,"sentiment":"neutral","sentiment_score":0.13130493462085724},{"text":"Yep. Beautiful.","start_word":3024,"end_word":3025,"sentiment":"positive","sentiment_score":0.44172343611717224},{"text":"Yep. So, essentially, from here is if you wanted to take some time and have a read over the document, you are more than welcome to. If Yep.","start_word":3026,"end_word":3053,"sentiment":"neutral","sentiment_score":0.3004987835884094},{"text":"you are happy to go ahead with the recommendation in order to move forward, it would then be to sign the documents did, Julie, the same as you did for the annual review. Yep. It will ask for your signature and date, and then it will send it back to me. And that tells me that you are happy to go ahead with the recommendation, and I can let the investment team know to go and make these couple of changes for you.","start_word":3054,"end_word":3136,"sentiment":"positive","sentiment_score":0.5358725190162659},{"text":"Yep. I'm just doing that now. Okay.","start_word":3137,"end_word":3143,"sentiment":"neutral","sentiment_score":0.25588470697402954},{"text":"Yep. Beautiful. I'll just hold up and see make sure that all comes through.","start_word":3144,"end_word":3157,"sentiment":"positive","sentiment_score":0.4973011612892151},{"text":"And I will go and speak to my colleague, Whitlam as well and just get him through through that email or resend that email for you with Yep. the nominations. It But only the one signature? should Yep. Validate. Yep. So I've just done that now. I think it's loading. It's doing something.","start_word":3158,"end_word":3210,"sentiment":"neutral","sentiment_score":0.23213650286197665},{"text":"Comfor and let the investment team know.","start_word":3211,"end_word":3217,"sentiment":"positive","sentiment_score":0.4508872628211975},{"text":"Yep. It's also there if you ever wanna go back and have a look at it. So if you go back and click on the link at any point in time, you can access the documents. You Yep. can also download them. And then if you wanted to look at, like, your computer or something like that as well, If you ever have Yep. any issues, though, just let us know, and we can always email you a copy because we always keep it on file for you. Yep. I've signed it. Yep. It's all in. So it's all gone through, I think. Yep.","start_word":3218,"end_word":3321,"sentiment":"neutral","sentiment_score":0.16273894906044006},{"text":"Beautiful. I can actually Yep. see how my end date just came through, which is great. So I will let the team know, and I will let you get back to your busy day.","start_word":3322,"end_word":3355,"sentiment":"positive","sentiment_score":0.5540639162063599},{"text":"But do you have any other questions for me before I let you go? No. I don't think so. Just No. that other form, if that gets sent through, that I can have a Yes. sign for. I will get Yep. yep. I will get onto the team today and get them to email that to you. So keep a lookout Yep. for that, and we'll keep Will a lookout do. for that to come back.","start_word":3356,"end_word":3431,"sentiment":"neutral","sentiment_score":0.06161491332673713},{"text":"Beautiful. Alrighty.","start_word":3432,"end_word":3433,"sentiment":"positive","sentiment_score":0.5503031015396118},{"text":"Well, Not a problem.","start_word":3434,"end_word":3437,"sentiment":"neutral","sentiment_score":0.3329576849937439},{"text":"thank you Thank so you much very for your much time for your today, time.","start_word":3438,"end_word":3452,"sentiment":"positive","sentiment_score":0.7446963787078857},{"text":"Josh, and let Yep. me know if you need anything else.","start_word":3453,"end_word":3463,"sentiment":"neutral","sentiment_score":0.2929877042770386},{"text":"Thank you. Alright. Have Thank a good you. day.","start_word":3464,"end_word":3472,"sentiment":"positive","sentiment_score":0.5142656564712524},{"text":"Bye. Stay You out. too. Bye. Bye.","start_word":3473,"end_word":3479,"sentiment":"neutral","sentiment_score":0.1634763777256012}],"average":{"sentiment":"neutral","sentiment_score":0.13968949236464484}}}}