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Mate, if you did still have a few minutes for me, I had some figures noted down for you, and I'm gonna email them through probably in about an hour or two if I can get the IT team onto it. Did you wanna have a bit of a chat now or just wait until you get that email? Yeah. Awesome. Awesome. Awesome. Now before I jump into any details of your account, are you okay to confirm your date of birth and address for security for me, please? Mhmm. Fantastic. Thanks for that, Ben. And I'm registered with Asic as adviser 1273105. Now, mate, I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about. And did you want me to kind of just talk through the figures for you to note down ahead of that email? What would be easiest for you? Yep. Yeah. Perfect. So I I won't break down too detailed because it's obviously in the email, but the the host plus account has very low admin fees for the account. It has some pretty high investment fees. So I've added them both together. The hub twenty four has higher admin fees for the account, but lower investment fees. And then you've got OPU on top as well. So how it kind of comes out is for the host plus balance super, on your current balance, it's about $1,600 for the fees. The hub twenty four balance we were looking at is $763 for the fees. Oakview, 1,900 on top of that. And then for the performance, the host plus balance was 7.5 percent for five years, and the hub 24 was 10.5% for five years. So I've added it all together. Oakview plus hub 24, $2,700 versus 1,600. So it's an extra $1,100 per year in fees for us and Hub combined. And with the performance difference, it's about an extra $4,000 in growth. So altogether, about $3,000 better off with the hub balance. Now that doesn't take into account the insurances because do you remember I was talking about host plus give you default insurance? They give you, like, 33 $39,000 worth of life insurance and disability insurance for a couple of $100. You do have that Zurich policy, which is, like, 10 times as much. You've got 333,000 worth of life insurance as well, and that's a couple of grand that comes out of the super as well. So the insurance is a big part of it. Again, Host Plus has higher fees and lower performance. Hub twenty four has lower fees, better performance, but then you've got the advice fees on top, which makes it a little bit more expensive, but better returns overall. Correct. Correct. I'll have it all broken down in table form so you can see every part. And that way, you can make a decision either way, but it will break down admin investment advisor insurance and then returns as well. Okay. Yeah. Your Zurich one can come out of host plus. You can change the payment to come out of any super funds because it's an enduring rollover. They can take it out once per year from any fund. So you can bring it with you around to different funds. That's okay. As long as you update the payment details for that new super account. K. Yeah. That's right. I sent you through that estimate before. I don't have it up in front of me because it changes every day. I can check it now if you wanted me to to do that. It'll take me about thirty seconds or so. When there's a move, it automatically sells everything, and then the super fund applies all of the capital gains underneath. It sort of happens automatically for you. Yeah. Let me have a look. It'll only take me a few seconds to update it because the stock market went up last since we last spoke a little bit, so it's a bit different. I still think I think your your growth fund went up, like, 15% at the moment. And if I go to sell everything, one, two, three, four, five, six, and the last two, this one and this one. And then I'll just hit analyze. And we have yeah. It's still around 2,900, similar to last time. You are sitting at a 138,749. I think it went down to $1.33 and then bounced back to $1.38. Yeah. Yep. Because you're currently in the higher risk one, and we were talking about either you go down to a balanced or you go across the host plus balance, but we had to lower the risk either way. Yeah. That's the figures that I just gave you. That's the comparison I did was going down to a balance versus a balance host plus, so it was like a like for like. No. You're in a I'll give you the exact one. It is growth, so one level above balance. So balance is three out of five risk. Growth is four out of five. You're one below the highest risk, one above the middle. Yes. Exactly right. Higher highs and lower lows. That's always the way. The whole point is, like, over ten years, it averages out. The market goes up, down, up, down, up, down, and your balance fund may get seven or 8%, and your growth fund gets nine or 10% over that ten years. It's about time frame, though, because you're 55. Right? You don't really have twenty years to be high risk. We can leave it in a bit of a growth fund for the time being and let it bounce back a little bit and then reduce the risk at the end of the year or next year if you wanna wait a little while, but you have to be comfortable with what it does. That's all. Yeah. Absolutely. I'll I'll send you through that email this afternoon. Have a read over it. If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you. No worries at all. Cool. Then no worries at all. Do you have any questions before I let you go for the weekend? Awesome, Ben. I'll get that through to you as soon as I can, and, mate, I look forward to talking to you soon. Thanks, buddy. Have a good weekend. 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afternoon, Ben. It's Tommy here from. How are you doing? Fantastic, sir. I just wanted to see if you got my text message before this call.\n\nAwesome. Awesome. Mate, if you did still have a few minutes for me, I had some figures noted down for you, and I'm gonna email them through probably in about an hour or two if I can get the IT team onto it. Did you wanna have a bit of a chat now or just wait until you get that email? Yeah.\n\nAwesome. Awesome. Awesome. Now before I jump into any details of your account, are you okay to confirm your date of birth and address for security for me, please? Mhmm.\n\nFantastic. Thanks for that, Ben. And I'm registered with Asic as adviser 1273105. Now, mate, I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about. And did you want me to kind of just talk through the figures for you to note down ahead of that email?\n\nWhat would be easiest for you? Yep. Yeah. Perfect. So I I won't break down too detailed because it's obviously in the email, but the the host plus account has very low admin fees for the account.\n\nIt has some pretty high investment fees. So I've added them both together. The hub twenty four has higher admin fees for the account, but lower investment fees. And then you've got OPU on top as well. So how it kind of comes out is for the host plus balance super, on your current balance, it's about $1,600 for the fees.\n\nThe hub twenty four balance we were looking at is $763 for the fees. Oakview, 1,900 on top of that. And then for the performance, the host plus balance was 7.5 percent for five years, and the hub 24 was 10.5% for five years. So I've added it all together. Oakview plus hub 24, $2,700 versus 1,600.\n\nSo it's an extra $1,100 per year in fees for us and Hub combined. And with the performance difference, it's about an extra $4,000 in growth. So altogether, about $3,000 better off with the hub balance. Now that doesn't take into account the insurances because do you remember I was talking about host plus give you default insurance? They give you, like, 33 $39,000 worth of life insurance and disability insurance for a couple of $100.\n\nYou do have that Zurich policy, which is, like, 10 times as much. You've got 333,000 worth of life insurance as well, and that's a couple of grand that comes out of the super as well. So the insurance is a big part of it. Again, Host Plus has higher fees and lower performance. Hub twenty four has lower fees, better performance, but then you've got the advice fees on top, which makes it a little bit more expensive, but better returns overall.\n\nCorrect. Correct. I'll have it all broken down in table form so you can see every part. And that way, you can make a decision either way, but it will break down admin investment advisor insurance and then returns as well. Okay.\n\nYeah. Your Zurich one can come out of host plus. You can change the payment to come out of any super funds because it's an enduring rollover. They can take it out once per year from any fund. So you can bring it with you around to different funds.\n\nThat's okay. As long as you update the payment details for that new super account. K. Yeah. That's right.\n\nI sent you through that estimate before. I don't have it up in front of me because it changes every day. I can check it now if you wanted me to to do that. It'll take me about thirty seconds or so. When there's a move, it automatically sells everything, and then the super fund applies all of the capital gains underneath.\n\nIt sort of happens automatically for you. Yeah. Let me have a look. It'll only take me a few seconds to update it because the stock market went up last since we last spoke a little bit, so it's a bit different. I still think I think your your growth fund went up, like, 15% at the moment.\n\nAnd if I go to sell everything, one, two, three, four, five, six, and the last two, this one and this one. And then I'll just hit analyze. And we have yeah. It's still around 2,900, similar to last time. You are sitting at a 138,749.\n\nI think it went down to $1.33 and then bounced back to $1.38. Yeah. Yep. Because you're currently in the higher risk one, and we were talking about either you go down to a balanced or you go across the host plus balance, but we had to lower the risk either way. Yeah.\n\nThat's the figures that I just gave you. That's the comparison I did was going down to a balance versus a balance host plus, so it was like a like for like. No. You're in a I'll give you the exact one. It is growth, so one level above balance.\n\nSo balance is three out of five risk. Growth is four out of five. You're one below the highest risk, one above the middle. Yes. Exactly right.\n\nHigher highs and lower lows. That's always the way. The whole point is, like, over ten years, it averages out. The market goes up, down, up, down, up, down, and your balance fund may get seven or 8%, and your growth fund gets nine or 10% over that ten years. It's about time frame, though, because you're 55.\n\nRight? You don't really have twenty years to be high risk. We can leave it in a bit of a growth fund for the time being and let it bounce back a little bit and then reduce the risk at the end of the year or next year if you wanna wait a little while, but you have to be comfortable with what it does. That's all. Yeah.\n\nAbsolutely. I'll I'll send you through that email this afternoon. Have a read over it. If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you. No worries at all.\n\nCool. Then no worries at all. Do you have any questions before I let you go for the weekend? Awesome, Ben. I'll get that through to you as soon as I can, and, mate, I look forward to talking to you soon.\n\nThanks, buddy. Have a good weekend. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ben.","start":6.72,"end":7.6,"sentiment":"positive","sentiment_score":0.34859975179036456},{"text":"It's Tommy here from.","start":7.6,"end":8.72,"sentiment":"neutral","sentiment_score":0.2800115570425987},{"text":"How are you doing?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.2662074714899063},{"text":"Fantastic, sir.","start":12.415,"end":13.215,"sentiment":"positive","sentiment_score":0.7319920063018799},{"text":"I just wanted to see if you got my text message before this call.","start":13.215,"end":16.675,"sentiment":"neutral","sentiment_score":0.2091725692152977}],"sentiment":"neutral","sentiment_score":0.28233612411552006,"num_words":27,"start":6.72,"end":16.675},{"sentences":[{"text":"Awesome.","start":18.895,"end":19.375,"sentiment":"positive","sentiment_score":0.616970419883728},{"text":"Awesome.","start":19.375,"end":19.695,"sentiment":"positive","sentiment_score":0.5594881176948547},{"text":"Mate, if you did still have a few minutes for me, I had some figures noted down for you, and I'm gonna email them through probably in about an hour or two if I can get the IT team onto it.","start":19.695,"end":31.9,"sentiment":"neutral","sentiment_score":0.1465399089019473},{"text":"Did you wanna have a bit of a chat now or just wait until you get that email?","start":32.52,"end":35.82,"sentiment":"neutral","sentiment_score":0.031131394621398713},{"text":"Yeah.","start":38.76,"end":39.079998,"sentiment":"neutral","sentiment_score":0.11097675561904909}],"sentiment":"neutral","sentiment_score":0.1267086558284298,"num_words":62,"start":18.895,"end":39.079998},{"sentences":[{"text":"Awesome.","start":39.079998,"end":39.48,"sentiment":"neutral","sentiment_score":0.31115996837615967},{"text":"Awesome.","start":39.48,"end":39.8,"sentiment":"neutral","sentiment_score":0.3082469701766968},{"text":"Awesome.","start":39.8,"end":40.12,"sentiment":"neutral","sentiment_score":0.2708616256713867},{"text":"Now before I jump into any details of your account, are you okay to confirm your date of birth and address for security for me, please?","start":40.12,"end":47.355,"sentiment":"neutral","sentiment_score":0.06119743147148536},{"text":"Mhmm.","start":53.335,"end":53.574997,"sentiment":"neutral","sentiment_score":0.08346611261367798}],"sentiment":"neutral","sentiment_score":0.08549559650321802,"num_words":30,"start":39.079998,"end":53.574997},{"sentences":[{"text":"Fantastic.","start":53.574997,"end":54.074997,"sentiment":"positive","sentiment_score":0.516906201839447},{"text":"Thanks for that, Ben.","start":54.375,"end":55.254997,"sentiment":"positive","sentiment_score":0.6370782107114792},{"text":"And I'm registered with Asic as adviser 1273105.","start":55.254997,"end":61.02,"sentiment":"neutral","sentiment_score":0.2550961095839739},{"text":"Now, mate, I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about.","start":61.88,"end":72.225,"sentiment":"neutral","sentiment_score":0.08679939902597858},{"text":"And did you want me to kind of just talk through the figures for you to note down ahead of that email?","start":74.064995,"end":79.665,"sentiment":"neutral","sentiment_score":0.08020250888710673}],"sentiment":"neutral","sentiment_score":0.1448670376769521,"num_words":66,"start":53.574997,"end":79.665},{"sentences":[{"text":"What would be easiest for you?","start":79.665,"end":81.284996,"sentiment":"neutral","sentiment_score":0.015052213178326687},{"text":"Yep.","start":88.399994,"end":88.899994,"sentiment":"neutral","sentiment_score":0.01453551184386015},{"text":"Yeah.","start":90.56,"end":91.06,"sentiment":"neutral","sentiment_score":0.007454438135027885},{"text":"Perfect.","start":94.96,"end":95.46,"sentiment":"neutral","sentiment_score":0.14822396636009216},{"text":"So I I won't break down too detailed because it's obviously in the email, but the the host plus account has very low admin fees for the account.","start":95.52,"end":109.685,"sentiment":"neutral","sentiment_score":0.013861074977155243}],"sentiment":"neutral","sentiment_score":0.01753073769646722,"num_words":37,"start":79.665,"end":109.685},{"sentences":[{"text":"It has some pretty high investment fees.","start":110.060005,"end":112.8,"sentiment":"neutral","sentiment_score":-0.07411681541374751},{"text":"So I've added them both together.","start":113.020004,"end":115.04,"sentiment":"neutral","sentiment_score":0.04028732112298409},{"text":"The hub twenty four has higher admin fees for the account, but lower investment fees.","start":115.420006,"end":120.380005,"sentiment":"neutral","sentiment_score":0.058133837580680844},{"text":"And then you've got OPU on top as well.","start":120.380005,"end":122.8,"sentiment":"neutral","sentiment_score":0.11579179018735886},{"text":"So how it kind of comes out is for the host plus balance super, on your current balance, it's about $1,600 for the fees.","start":123.765,"end":134.745,"sentiment":"neutral","sentiment_score":0.09796647603313129}],"sentiment":"neutral","sentiment_score":0.06538090686939779,"num_words":61,"start":110.060005,"end":134.745},{"sentences":[{"text":"The hub twenty four balance we were looking at is $763 for the fees.","start":137.46,"end":143.8,"sentiment":"neutral","sentiment_score":0.16037627841745103},{"text":"Oakview, 1,900 on top of that.","start":146.90001,"end":150.25499,"sentiment":"neutral","sentiment_score":0.24320564170678458},{"text":"And then for the performance, the host plus balance was 7.5 percent for five years, and the hub 24 was 10.5% for five years.","start":152.155,"end":165.18,"sentiment":"neutral","sentiment_score":0.2432369322826465},{"text":"So I've added it all together.","start":168.2,"end":169.73999,"sentiment":"neutral","sentiment_score":0.25511881957451504},{"text":"Oakview plus hub 24, $2,700 versus 1,600.","start":170.51999,"end":176.62,"sentiment":"neutral","sentiment_score":0.21285739966801234}],"sentiment":"neutral","sentiment_score":0.22040180417529323,"num_words":57,"start":137.46,"end":176.62},{"sentences":[{"text":"So it's an extra $1,100 per year in fees for us and Hub combined.","start":176.895,"end":181.875,"sentiment":"positive","sentiment_score":0.407621226140431},{"text":"And with the performance difference, it's about an extra $4,000 in growth.","start":183.855,"end":188.355,"sentiment":"positive","sentiment_score":0.3384081907570362},{"text":"So altogether, about $3,000 better off with the hub balance.","start":195.06999,"end":199.33,"sentiment":"positive","sentiment_score":0.37243092954158785},{"text":"Now that doesn't take into account the insurances because do you remember I was talking about host plus give you default insurance?","start":201.885,"end":207.425,"sentiment":"neutral","sentiment_score":-0.04269743228161877},{"text":"They give you, like, 33 $39,000 worth of life insurance and disability insurance for a couple of $100.","start":209.565,"end":217.51001,"sentiment":"neutral","sentiment_score":0.13746980039609802}],"sentiment":"neutral","sentiment_score":0.19772391641316445,"num_words":76,"start":176.895,"end":217.51001},{"sentences":[{"text":"You do have that Zurich policy, which is, like, 10 times as much.","start":218.85,"end":222.87001,"sentiment":"neutral","sentiment_score":0.22844646527216986},{"text":"You've got 333,000 worth of life insurance as well, and that's a couple of grand that comes out of the super as well.","start":223.09,"end":230.625,"sentiment":"neutral","sentiment_score":0.24835250429485156},{"text":"So the insurance is a big part of it.","start":233.185,"end":235.205,"sentiment":"neutral","sentiment_score":0.11387440810600917},{"text":"Again, Host Plus has higher fees and lower performance.","start":235.345,"end":239.765,"sentiment":"neutral","sentiment_score":0.2148982501692242},{"text":"Hub twenty four has lower fees, better performance, but then you've got the advice fees on top, which makes it a little bit more expensive, but better returns overall.","start":240.305,"end":249.04,"sentiment":"neutral","sentiment_score":0.16605798848744097}],"sentiment":"neutral","sentiment_score":0.19827165346906847,"num_words":83,"start":218.85,"end":249.04},{"sentences":[{"text":"Correct.","start":258.555,"end":258.715,"sentiment":"neutral","sentiment_score":0.27206456661224365},{"text":"Correct.","start":258.715,"end":259.035,"sentiment":"neutral","sentiment_score":0.308266282081604},{"text":"I'll have it all broken down in table form so you can see every part.","start":259.035,"end":262.655,"sentiment":"neutral","sentiment_score":0.2752328485250473},{"text":"And that way, you can make a decision either way, but it will break down admin investment advisor insurance and then returns as well.","start":262.955,"end":272.85,"sentiment":"neutral","sentiment_score":0.19464733265340328},{"text":"Okay.","start":273.33002,"end":273.83002,"sentiment":"neutral","sentiment_score":0.16925495862960815}],"sentiment":"neutral","sentiment_score":0.2273717742590677,"num_words":42,"start":258.555,"end":273.83002},{"sentences":[{"text":"Yeah.","start":282.53,"end":283.03,"sentiment":"neutral","sentiment_score":0.20327019691467285},{"text":"Your Zurich one can come out of host plus.","start":283.17,"end":285.715,"sentiment":"neutral","sentiment_score":0.16924032072226206},{"text":"You can change the payment to come out of any super funds because it's an enduring rollover.","start":285.715,"end":290.775,"sentiment":"neutral","sentiment_score":0.24789365863098817},{"text":"They can take it out once per year from any fund.","start":290.915,"end":293.575,"sentiment":"neutral","sentiment_score":0.2614290795542977},{"text":"So you can bring it with you around to different funds.","start":296.195,"end":298.675,"sentiment":"neutral","sentiment_score":0.31314423409375275}],"sentiment":"neutral","sentiment_score":0.25022309653613034,"num_words":49,"start":282.53,"end":298.675},{"sentences":[{"text":"That's okay.","start":298.675,"end":299.415,"sentiment":"positive","sentiment_score":0.48290251195430756},{"text":"As long as you update the payment details for that new super account.","start":299.56998,"end":303.43,"sentiment":"neutral","sentiment_score":0.2856509593816904},{"text":"K.","start":307.13,"end":307.63,"sentiment":"neutral","sentiment_score":0.05134071409702301},{"text":"Yeah.","start":311.33,"end":311.65,"sentiment":"neutral","sentiment_score":0.14617860317230225},{"text":"That's right.","start":311.65,"end":312.21,"sentiment":"neutral","sentiment_score":0.2665015012025833}],"sentiment":"neutral","sentiment_score":0.28472577976553065,"num_words":19,"start":298.675,"end":312.21},{"sentences":[{"text":"I sent you through that estimate before.","start":312.21,"end":313.97,"sentiment":"neutral","sentiment_score":0.17119110907827104},{"text":"I don't have it up in front of me because it changes every day.","start":313.97,"end":316.915,"sentiment":"neutral","sentiment_score":-0.022534835019281933},{"text":"I can check it now if you wanted me to to do that.","start":317.935,"end":320.655,"sentiment":"neutral","sentiment_score":0.1424199377114956},{"text":"It'll take me about thirty seconds or so.","start":320.655,"end":322.675,"sentiment":"neutral","sentiment_score":0.09612697223201394},{"text":"When there's a move, it automatically sells everything, and then the super fund applies all of the capital gains underneath.","start":331.71002,"end":338.85,"sentiment":"neutral","sentiment_score":0.12936600148677826}],"sentiment":"neutral","sentiment_score":0.09823621082450112,"num_words":62,"start":312.21,"end":338.85},{"sentences":[{"text":"It sort of happens automatically for you.","start":339.47,"end":341.745,"sentiment":"neutral","sentiment_score":0.16105144151619502},{"text":"Yeah.","start":343.585,"end":344.085,"sentiment":"neutral","sentiment_score":0.10627878457307816},{"text":"Let me have a look.","start":346.065,"end":347.925,"sentiment":"neutral","sentiment_score":0.07586008757352829},{"text":"It'll only take me a few seconds to update it because the stock market went up last since we last spoke a little bit, so it's a bit different.","start":348.225,"end":355.525,"sentiment":"neutral","sentiment_score":-0.013685465115925362},{"text":"I still think I think your your growth fund went up, like, 15% at the moment.","start":356.63,"end":360.81,"sentiment":"neutral","sentiment_score":0.08965650107711554}],"sentiment":"neutral","sentiment_score":0.04569939382631203,"num_words":58,"start":339.47,"end":360.81},{"sentences":[{"text":"And if I go to sell everything, one, two, three, four, five, six, and the last two, this one and this one.","start":360.94998,"end":372.51498,"sentiment":"neutral","sentiment_score":0.007560166530311108},{"text":"And then I'll just hit analyze.","start":372.51498,"end":373.975,"sentiment":"neutral","sentiment_score":0.030346228430668514},{"text":"And we have yeah.","start":376.195,"end":380.35498,"sentiment":"neutral","sentiment_score":0.040821224451065063},{"text":"It's still around 2,900, similar to last time.","start":380.35498,"end":384.055,"sentiment":"neutral","sentiment_score":0.07719294866546988},{"text":"You are sitting at a 138,749.","start":388.65,"end":395.47,"sentiment":"neutral","sentiment_score":0.0034448038786649704}],"sentiment":"neutral","sentiment_score":0.02499779010110575,"num_words":46,"start":360.94998,"end":395.47},{"sentences":[{"text":"I think it went down to $1.33 and then bounced back to $1.38.","start":400.185,"end":404.445,"sentiment":"neutral","sentiment_score":-0.020593647057047255},{"text":"Yeah.","start":412.68,"end":412.91998,"sentiment":"neutral","sentiment_score":0.04825875163078308},{"text":"Yep.","start":412.91998,"end":413.24,"sentiment":"neutral","sentiment_score":0.03596402332186699},{"text":"Because you're currently in the higher risk one, and we were talking about either you go down to a balanced or you go across the host plus balance, but we had to lower the risk either way.","start":413.24,"end":423.735,"sentiment":"neutral","sentiment_score":-0.07452131626573769},{"text":"Yeah.","start":434.775,"end":434.935,"sentiment":"neutral","sentiment_score":0.030644770711660385}],"sentiment":"neutral","sentiment_score":-0.05490827486621884,"num_words":53,"start":400.185,"end":434.935},{"sentences":[{"text":"That's the figures that I just gave you.","start":434.935,"end":436.65,"sentiment":"neutral","sentiment_score":0.022580518620088696},{"text":"That's the comparison I did was going down to a balance versus a balance host plus, so it was like a like for like.","start":437.21,"end":443.38998,"sentiment":"neutral","sentiment_score":-0.00788714352529496},{"text":"No.","start":448.33,"end":448.81,"sentiment":"neutral","sentiment_score":-0.06589289009571075},{"text":"You're in a I'll give you the exact one.","start":448.81,"end":451.78998,"sentiment":"neutral","sentiment_score":-0.012282191258337762},{"text":"It is growth, so one level above balance.","start":453.205,"end":456.645,"sentiment":"neutral","sentiment_score":0.0059196369256824255}],"sentiment":"neutral","sentiment_score":-0.0027544562332332133,"num_words":50,"start":434.935,"end":456.645},{"sentences":[{"text":"So balance is three out of five risk.","start":456.645,"end":459.305,"sentiment":"neutral","sentiment_score":-0.014184079365804791},{"text":"Growth is four out of five.","start":459.765,"end":461.225,"sentiment":"neutral","sentiment_score":-0.0036045235271255183},{"text":"You're one below the highest risk, one above the middle.","start":462.325,"end":465.865,"sentiment":"neutral","sentiment_score":-0.03745291419327259},{"text":"Yes.","start":475.69998,"end":476.09998,"sentiment":"neutral","sentiment_score":0.04022378474473953},{"text":"Exactly right.","start":476.09998,"end":476.81998,"sentiment":"neutral","sentiment_score":0.1506575606763363}],"sentiment":"neutral","sentiment_score":-0.006225555997203897,"num_words":27,"start":456.645,"end":476.81998},{"sentences":[{"text":"Higher highs and lower lows.","start":476.81998,"end":478.18,"sentiment":"neutral","sentiment_score":0.06366830319166183},{"text":"That's always the way.","start":478.18,"end":479.325,"sentiment":"neutral","sentiment_score":0.18300609663128853},{"text":"The whole point is, like, over ten years, it averages out.","start":481.405,"end":485.96503,"sentiment":"neutral","sentiment_score":0.12205133654854515},{"text":"The market goes up, down, up, down, up, down, and your balance fund may get seven or 8%, and your growth fund gets nine or 10% over that ten years.","start":485.96503,"end":495.21,"sentiment":"neutral","sentiment_score":0.08235938884317875},{"text":"It's about time frame, though, because you're 55.","start":495.27,"end":498.62997,"sentiment":"neutral","sentiment_score":0.002625073306262493}],"sentiment":"neutral","sentiment_score":0.08421918717694693,"num_words":58,"start":476.81998,"end":498.62997},{"sentences":[{"text":"Right?","start":498.62997,"end":499.12997,"sentiment":"neutral","sentiment_score":0.008716866374015808},{"text":"You don't really have twenty years to be high risk.","start":499.34998,"end":502.33,"sentiment":"neutral","sentiment_score":-0.11523524895310402},{"text":"We can leave it in a bit of a growth fund for the time being and let it bounce back a little bit and then reduce the risk at the end of the year or next year if you wanna wait a little while, but you have to be comfortable with what it does.","start":505.66998,"end":517.935,"sentiment":"neutral","sentiment_score":-0.005544966569653264},{"text":"That's all.","start":517.935,"end":518.755,"sentiment":"neutral","sentiment_score":0.016803407110273838},{"text":"Yeah.","start":527.71,"end":528.03,"sentiment":"neutral","sentiment_score":0.13497404754161835}],"sentiment":"neutral","sentiment_score":-0.018742396414060804,"num_words":68,"start":498.62997,"end":528.03},{"sentences":[{"text":"Absolutely.","start":528.03,"end":528.53,"sentiment":"neutral","sentiment_score":0.2301120162010193},{"text":"I'll I'll send you through that email this afternoon.","start":528.59,"end":530.69,"sentiment":"neutral","sentiment_score":0.1916725370619032},{"text":"Have a read over it.","start":530.75,"end":531.71,"sentiment":"neutral","sentiment_score":0.1804099291563034},{"text":"If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you.","start":531.71,"end":538.645,"sentiment":"neutral","sentiment_score":0.13785758504161127},{"text":"No worries at all.","start":538.645,"end":539.705,"sentiment":"neutral","sentiment_score":0.11502574943006039}],"sentiment":"neutral","sentiment_score":0.15303200629094374,"num_words":46,"start":528.03,"end":539.705},{"sentences":[{"text":"Cool.","start":542.405,"end":542.72504,"sentiment":"positive","sentiment_score":0.5743284225463867},{"text":"Then no worries at all.","start":542.72504,"end":546.085,"sentiment":"neutral","sentiment_score":0.3217198133468628},{"text":"Do you have any questions before I let you go for the weekend?","start":546.085,"end":548.505,"sentiment":"neutral","sentiment_score":0.20860497997357294},{"text":"Awesome, Ben.","start":554.47,"end":555.19,"sentiment":"positive","sentiment_score":0.5546362102031708},{"text":"I'll get that through to you as soon as I can, and, mate, I look forward to talking to you soon.","start":555.19,"end":559.2869,"sentiment":"positive","sentiment_score":0.559372855084283}],"sentiment":"positive","sentiment_score":0.4226403477646056,"num_words":42,"start":542.405,"end":559.2869},{"sentences":[{"text":"Thanks, buddy.","start":561.36694,"end":562.0069,"sentiment":"positive","sentiment_score":0.8635958433151245},{"text":"Have a good weekend.","start":562.0069,"end":562.80695,"sentiment":"positive","sentiment_score":0.7673243433237076},{"text":"Bye.","start":562.80695,"end":563.30695,"sentiment":"positive","sentiment_score":0.4932210147380829}],"sentiment":"positive","sentiment_score":0.7556728678090232,"num_words":7,"start":561.36694,"end":563.30695}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. I'm good. Yeah. I got it. Yeah. Yep. No. We can do a chat now. 09/03/1970, 111 Kaidonia Street, Daxley. Yep. No. I will be checking those figures in the email better. So I just want to see your summary of what you know? What, you know, what you what what's your thing? Yeah. Yeah. So altogether? Really? Yeah. Okay. So that's that's all of those that you say, the text on that email. Yeah. Yeah. Yep. Yeah. But for in case for insurance, I can always change that default a better one. Okay. And the capital t, Nashville. Yeah. And in case I move, you who who will fix those capital gain? Alright. How much is my balance right now? And And you're talking about the balance one. Is that a So if we move to a balance to half twenty four, would it be better or what? And right now, I'm not on a balance in half twenty four. And when the stock the situation is better, it is better. Yeah? Whenever it's worse, it's worse. That's the thing. Alright. I will decide over the weekend. Yeah? I have to check on those figures first. Okay. No. It's fine. All good. Thanks for your for your time. I think that's all for the time, dear. Alright. Thanks, Tommy. You you too. 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I'm good. I'm good. Yeah. I got it.\n\nYeah. Yep. No. We can do a chat now. 09/03/1970, 111 Kaidonia Street, Daxley.\n\nYep. No. I will be checking those figures in the email better. So I just want to see your summary of what you know? What, you know, what you what what's your thing?\n\nYeah. Yeah. So altogether? Really? Yeah.\n\nOkay. So that's that's all of those that you say, the text on that email. Yeah. Yeah. Yep.\n\nYeah. But for in case for insurance, I can always change that default a better one. Okay. And the capital t, Nashville. Yeah.\n\nAnd in case I move, you who who will fix those capital gain? Alright. How much is my balance right now? And And you're talking about the balance one. Is that a So if we move to a balance to half twenty four, would it be better or what?\n\nAnd right now, I'm not on a balance in half twenty four. And when the stock the situation is better, it is better. Yeah? Whenever it's worse, it's worse. That's the thing.\n\nAlright. 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first.","start":525.07495,"end":527.33496,"sentiment":"neutral","sentiment_score":0.01829188480041921},{"text":"Okay.","start":540.73,"end":541.13,"sentiment":"neutral","sentiment_score":0.1503758430480957}],"sentiment":"neutral","sentiment_score":0.058034486082546854,"num_words":17,"start":521.795,"end":541.13},{"sentences":[{"text":"No.","start":541.13,"end":541.29,"sentiment":"neutral","sentiment_score":0.1652660369873047},{"text":"It's fine.","start":541.29,"end":542.02997,"sentiment":"neutral","sentiment_score":0.23426368087530136},{"text":"All good.","start":542.17,"end":542.64996,"sentiment":"positive","sentiment_score":0.4680791050195694},{"text":"Thanks for your for your time.","start":542.64996,"end":544.99,"sentiment":"positive","sentiment_score":0.6139759023984274},{"text":"I think that's all for the time, dear.","start":551.315,"end":553.255,"sentiment":"positive","sentiment_score":0.43507831916213036}],"sentiment":"positive","sentiment_score":0.4597070303402449,"num_words":19,"start":541.13,"end":553.255},{"sentences":[{"text":"Alright.","start":559.8469,"end":560.24695,"sentiment":"positive","sentiment_score":0.5424001216888428},{"text":"Thanks, Tommy.","start":560.24695,"end":561.06696,"sentiment":"positive","sentiment_score":0.7913614809513092},{"text":"You you too.","start":563.36694,"end":564.16693,"sentiment":"positive","sentiment_score":0.5150122543176016},{"text":"Bye.","start":564.16693,"end":564.66693,"sentiment":"neutral","sentiment_score":-0.1233949139714241}],"sentiment":"positive","sentiment_score":0.5066807046532631,"num_words":7,"start":559.8469,"end":564.66693}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Ben. It's Tommy here from. How are you doing?\n\nChannel 1: I'm good. I'm good.\n\nChannel 0: Fantastic, sir. I just wanted to see if you got my text message before this call.\n\nChannel 1: Yeah. I got it.\n\nChannel 0: Awesome. Awesome. Mate, if you did still have a few minutes for me, I had some figures noted down for you, and I'm gonna\n\nChannel 1: Yeah.\n\nChannel 0: email them through probably in about an hour or two if I can get the IT team onto it.\n\nChannel 1: Yep.\n\nChannel 0: Did you wanna have a bit of a chat now or just wait until you get that email?\n\nChannel 1: No. We can do a chat now.\n\nChannel 0: Yeah. Awesome. Awesome. Awesome. Now before I jump into any details of your account, are you okay to confirm your date of birth and address for security for me, please?\n\nChannel 1: 09/03/1970, 111 Kaidonia Street, Daxley.\n\nChannel 0: Mhmm. Fantastic. Thanks for that, Ben. And I'm registered with Asic as adviser 1273105. Now, mate,\n\nChannel 1: Yep.\n\nChannel 0: I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about. And did you want me to kind of just talk through the figures for you to note down ahead of that email? What would be easiest for you?\n\nChannel 1: No. I will be checking those figures in the email better.\n\nChannel 0: Yep.\n\nChannel 1: So I just want to\n\nChannel 0: Yeah.\n\nChannel 1: see your summary of what you know? What,\n\nChannel 0: Perfect.\n\nChannel 1: you know, what you\n\nChannel 0: So\n\nChannel 1: what what's your\n\nChannel 0: I\n\nChannel 1: thing?\n\nChannel 0: I won't break down too detailed because it's obviously in the email, but the the host plus account has very low admin fees for\n\nChannel 1: Yeah.\n\nChannel 0: the account. It has some pretty high investment fees. So I've added them both together. The hub twenty four has higher admin fees for the account, but lower investment fees. And then you've got OPU on top as well.\n\nSo how it kind of comes out is for the host plus balance super, on your current balance, it's about $1,600 for the fees.\n\nChannel 1: Yeah.\n\nChannel 0: The hub twenty four balance we were looking at is $763 for the fees. Oakview, 1,900 on top of that. And then for the performance, the host plus balance was 7.5 percent for five years, and the hub 24 was 10.5% for five years. So I've added it all together. Oakview plus hub 24, $2,700 versus 1,600.\n\nSo it's an extra $1,100 per year in fees for us and Hub combined. And with the performance difference, it's about an extra $4,000 in growth.\n\nChannel 1: So altogether?\n\nChannel 0: So altogether, about $3,000 better off with the hub balance.\n\nChannel 1: Really?\n\nChannel 0: Now that doesn't take into account the insurances because do you remember I was talking about host plus give you default insurance?\n\nChannel 1: Yeah.\n\nChannel 0: They give you, like, 33 $39,000 worth of life insurance and disability insurance for a couple of $100. You do have that Zurich policy, which is, like, 10 times as much. You've got 333,000 worth of life insurance as well, and that's a couple of grand that comes out of the super as well. So the insurance is a big part of it. Again, Host Plus has higher fees and lower performance.\n\nHub twenty four has lower fees, better performance, but then you've got the advice fees on top, which makes it a little bit more expensive, but better returns overall.\n\nChannel 1: Okay. So that's that's all of those that you say, the text on that email. Yeah.\n\nChannel 0: Correct. Correct. I'll have it all broken down in table form so you can see every part. And\n\nChannel 1: Yeah.\n\nChannel 0: that way, you can make a decision either way, but it\n\nChannel 1: Yep.\n\nChannel 0: will break down admin investment advisor insurance and then\n\nChannel 1: Yeah.\n\nChannel 0: returns as well. Okay.\n\nChannel 1: But for in case for insurance, I can always change that default a better one.\n\nChannel 0: Yeah. Your Zurich one can come out of host plus. You can change the payment to come out of any super funds because it's an enduring rollover. They can take it out once per year from any fund. So you can bring it with you around to different funds.\n\nThat's okay. As long as you update the payment details for that new super account.\n\nChannel 1: Okay.\n\nChannel 0: K.\n\nChannel 1: And the capital t, Nashville. Yeah.\n\nChannel 0: Yeah. That's right. I sent you through that estimate before. I don't have it up in front of me because it changes every day. I can check it now if you wanted me to to do that.\n\nIt'll take me about thirty seconds or so.\n\nChannel 1: And in case I move, you who who will fix those capital gain?\n\nChannel 0: When there's a move, it automatically sells everything, and then the super fund applies all of the capital gains underneath. It sort of happens automatically for you.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Let me have a look. It'll only take me a few seconds to update it because the stock market went up last since we last spoke a little bit, so it's a bit different. I still think I think your your growth fund went up, like, 15% at the moment. And if I go to sell everything, one, two, three, four, five, six, and the last two, this one and this one.\n\nAnd then I'll just hit analyze. And we have yeah. It's still around 2,900, similar to last time.\n\nChannel 1: How much is my balance right now?\n\nChannel 0: You are sitting at a 138,749. I think it went\n\nChannel 1: And\n\nChannel 0: down to $1.33 and then bounced back to $1.38.\n\nChannel 1: And you're talking about the balance one. Is\n\nChannel 0: Yeah. Yep.\n\nChannel 1: that\n\nChannel 0: Because\n\nChannel 1: a\n\nChannel 0: you're currently in the higher risk one, and we were talking about either you go down to a balanced or you go across the host plus balance, but we had to lower the risk either way.\n\nChannel 1: So if we move to a balance to half twenty four, would it be better or what?\n\nChannel 0: Yeah. That's the figures that I just gave you. That's the comparison I did was going down to a balance versus a balance host plus, so it was like a like for like.\n\nChannel 1: And right now, I'm not on a balance in half twenty four.\n\nChannel 0: No. You're in a I'll give you the exact one. It is growth, so one level above balance. So balance is three out of five risk. Growth is four out of five.\n\nYou're one below the highest risk, one above the middle.\n\nChannel 1: And when the stock the situation is better, it is better. Yeah? Whenever it's worse, it's worse.\n\nChannel 0: Yes. Exactly\n\nChannel 1: That's the\n\nChannel 0: right.\n\nChannel 1: thing.\n\nChannel 0: Higher highs and lower lows. That's always the way. The whole point is, like, over ten years, it averages out. The market goes up, down, up, down, up, down, and your balance fund may get seven or 8%, and your growth fund gets nine or 10% over that ten years. It's about time frame, though, because you're 55.\n\nRight? You don't really have twenty years to be high risk. We can leave it in a bit of a growth fund for the time being and let it bounce back a little bit and then reduce the risk at the end of the year or next year if you wanna wait a little while, but you have to be comfortable with what it does. That's all.\n\nChannel 1: Alright. I will decide over the weekend. Yeah? I have to check on those figures first.\n\nChannel 0: Yeah. Absolutely. I'll I'll send you through that email this afternoon. Have a read over it. If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you.\n\nNo worries at all.\n\nChannel 1: Okay. No. It's fine. All\n\nChannel 0: Cool.\n\nChannel 1: good. Thanks\n\nChannel 0: Then\n\nChannel 1: for your for your time.\n\nChannel 0: no worries at all. Do you have any questions before I let you go for the weekend?\n\nChannel 1: I think that's all for the time, dear.\n\nChannel 0: Awesome, Ben. I'll get that through to you as soon as I can, and, mate, I look forward to talking to you soon.\n\nChannel 1: Alright. Thanks, Tommy.\n\nChannel 0: Thanks, buddy. Have a good weekend. Bye.\n\nChannel 1: You you too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.04077990725636482}],"sentiment":"neutral","sentiment_score":0.04077990725636482,"channel":1,"num_words":1,"start":4.4,"end":4.9},{"sentences":[{"text":"Good afternoon, Ben.","start":6.72,"end":7.6,"sentiment":"positive","sentiment_score":0.34859975179036456},{"text":"It's Tommy here from.","start":7.6,"end":8.72,"sentiment":"neutral","sentiment_score":0.2800115570425987},{"text":"How are you doing?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.2662074714899063}],"sentiment":"neutral","sentiment_score":0.2936977608637376,"channel":0,"num_words":11,"start":6.72,"end":9.54},{"sentences":[{"text":"I'm good.","start":10.08,"end":10.559999,"sentiment":"positive","sentiment_score":0.6347281038761139},{"text":"I'm good.","start":10.559999,"end":11.3,"sentiment":"positive","sentiment_score":0.6754760444164276}],"sentiment":"positive","sentiment_score":0.6551020741462708,"channel":1,"num_words":4,"start":10.08,"end":11.3},{"sentences":[{"text":"Fantastic, sir.","start":12.415,"end":13.215,"sentiment":"positive","sentiment_score":0.7319920063018799},{"text":"I just wanted to see if you got my text message before this call.","start":13.215,"end":16.675,"sentiment":"neutral","sentiment_score":0.2091725692152977}],"sentiment":"neutral","sentiment_score":0.27452499885112047,"channel":0,"num_words":16,"start":12.415,"end":16.675},{"sentences":[{"text":"Yeah.","start":17.365,"end":17.765,"sentiment":"neutral","sentiment_score":0.1766163408756256},{"text":"I got it.","start":17.765,"end":18.585,"sentiment":"neutral","sentiment_score":0.22256147861480713}],"sentiment":"neutral","sentiment_score":0.21107519418001175,"channel":1,"num_words":4,"start":17.365,"end":18.585},{"sentences":[{"text":"Awesome.","start":18.895,"end":19.375,"sentiment":"positive","sentiment_score":0.616970419883728},{"text":"Awesome.","start":19.375,"end":19.695,"sentiment":"positive","sentiment_score":0.5594881176948547},{"text":"Mate, if you did still have a few minutes for me, I had some figures noted down for you, and I'm gonna","start":19.695,"end":25.535,"sentiment":"neutral","sentiment_score":0.17506143281405623}],"sentiment":"neutral","sentiment_score":0.2094920858119925,"channel":0,"num_words":24,"start":18.895,"end":25.535},{"sentences":[{"text":"Yeah.","start":25.445,"end":25.945,"sentiment":"neutral","sentiment_score":0.05783936008810997}],"sentiment":"neutral","sentiment_score":0.05783936008810997,"channel":1,"num_words":1,"start":25.445,"end":25.945},{"sentences":[{"text":"email them through probably in about an hour or two if I can get the IT team onto it.","start":25.535,"end":31.9,"sentiment":"neutral","sentiment_score":0.11351498647740013}],"sentiment":"neutral","sentiment_score":0.11351498647740013,"channel":0,"num_words":19,"start":25.535,"end":31.9},{"sentences":[{"text":"Yep.","start":32.48,"end":32.98,"sentiment":"neutral","sentiment_score":0.06268200278282166}],"sentiment":"neutral","sentiment_score":0.06268200278282166,"channel":1,"num_words":1,"start":32.48,"end":32.98},{"sentences":[{"text":"Did you wanna have a bit of a chat now or just wait until you get that email?","start":32.52,"end":35.82,"sentiment":"neutral","sentiment_score":0.031131394621398713}],"sentiment":"neutral","sentiment_score":0.031131394621398713,"channel":0,"num_words":18,"start":32.52,"end":35.82},{"sentences":[{"text":"No.","start":36.96,"end":37.120003,"sentiment":"neutral","sentiment_score":-0.04722120612859726},{"text":"We can do a chat now.","start":37.120003,"end":38.5,"sentiment":"neutral","sentiment_score":-0.01675025497873624}],"sentiment":"neutral","sentiment_score":-0.02110324800014496,"channel":1,"num_words":7,"start":36.96,"end":38.5},{"sentences":[{"text":"Yeah.","start":38.76,"end":39.079998,"sentiment":"neutral","sentiment_score":0.11097675561904909},{"text":"Awesome.","start":39.079998,"end":39.48,"sentiment":"neutral","sentiment_score":0.31115996837615967},{"text":"Awesome.","start":39.48,"end":39.8,"sentiment":"neutral","sentiment_score":0.3082469701766968},{"text":"Awesome.","start":39.8,"end":40.12,"sentiment":"neutral","sentiment_score":0.2708616256713867},{"text":"Now before I jump into any details of your account, are you okay to confirm your date of birth and address for security for me, please?","start":40.12,"end":47.355,"sentiment":"neutral","sentiment_score":0.06119743147148536}],"sentiment":"neutral","sentiment_score":0.08641261793673038,"channel":0,"num_words":30,"start":38.76,"end":47.355},{"sentences":[{"text":"09/03/1970, 111 Kaidonia Street, Daxley.","start":49.055,"end":52.915,"sentiment":"neutral","sentiment_score":0.0199465598911047}],"sentiment":"neutral","sentiment_score":0.0199465598911047,"channel":1,"num_words":5,"start":49.055,"end":52.915},{"sentences":[{"text":"Mhmm.","start":53.335,"end":53.574997,"sentiment":"neutral","sentiment_score":0.08346611261367798},{"text":"Fantastic.","start":53.574997,"end":54.074997,"sentiment":"positive","sentiment_score":0.516906201839447},{"text":"Thanks for that, Ben.","start":54.375,"end":55.254997,"sentiment":"positive","sentiment_score":0.6370782107114792},{"text":"And I'm registered with Asic as adviser 1273105.","start":55.254997,"end":61.02,"sentiment":"neutral","sentiment_score":0.2550961095839739},{"text":"Now, mate,","start":61.88,"end":62.44,"sentiment":"neutral","sentiment_score":0.108370341360569}],"sentiment":"positive","sentiment_score":0.3378871697932482,"channel":0,"num_words":16,"start":53.335,"end":62.44},{"sentences":[{"text":"Yep.","start":62.37,"end":62.87,"sentiment":"neutral","sentiment_score":0.10272842645645142}],"sentiment":"neutral","sentiment_score":0.10272842645645142,"channel":1,"num_words":1,"start":62.37,"end":62.87},{"sentences":[{"text":"I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about.","start":62.44,"end":72.225,"sentiment":"neutral","sentiment_score":0.08531174783048959},{"text":"And did you want me to kind of just talk through the figures for you to note down ahead of that email?","start":74.064995,"end":79.665,"sentiment":"neutral","sentiment_score":0.08020250888710673},{"text":"What would be easiest for you?","start":79.665,"end":81.284996,"sentiment":"neutral","sentiment_score":0.015052213178326687}],"sentiment":"neutral","sentiment_score":0.07594402038018432,"channel":0,"num_words":57,"start":62.44,"end":81.284996},{"sentences":[{"text":"No.","start":82.46,"end":82.96,"sentiment":"neutral","sentiment_score":-0.17948928475379944},{"text":"I will be checking those figures in the email better.","start":83.66,"end":87.68,"sentiment":"neutral","sentiment_score":-0.14575054869055748}],"sentiment":"neutral","sentiment_score":-0.14881770651448856,"channel":1,"num_words":11,"start":82.46,"end":87.68},{"sentences":[{"text":"Yep.","start":88.399994,"end":88.899994,"sentiment":"neutral","sentiment_score":0.01453551184386015}],"sentiment":"neutral","sentiment_score":0.01453551184386015,"channel":0,"num_words":1,"start":88.399994,"end":88.899994},{"sentences":[{"text":"So I just want to","start":89.18,"end":90.62,"sentiment":"neutral","sentiment_score":0.006148836947977543}],"sentiment":"neutral","sentiment_score":0.006148836947977543,"channel":1,"num_words":5,"start":89.18,"end":90.62},{"sentences":[{"text":"Yeah.","start":90.56,"end":91.06,"sentiment":"neutral","sentiment_score":0.007454438135027885}],"sentiment":"neutral","sentiment_score":0.007454438135027885,"channel":0,"num_words":1,"start":90.56,"end":91.06},{"sentences":[{"text":"see your summary of what you know?","start":90.62,"end":93.315,"sentiment":"neutral","sentiment_score":0.01580014784953424},{"text":"What,","start":94.755005,"end":94.995,"sentiment":"neutral","sentiment_score":0.0553753525018692}],"sentiment":"neutral","sentiment_score":0.02074704843107611,"channel":1,"num_words":8,"start":90.62,"end":94.995},{"sentences":[{"text":"Perfect.","start":94.96,"end":95.46,"sentiment":"neutral","sentiment_score":0.14822396636009216}],"sentiment":"neutral","sentiment_score":0.14822396636009216,"channel":0,"num_words":1,"start":94.96,"end":95.46},{"sentences":[{"text":"you know, what you","start":94.995,"end":95.635,"sentiment":"neutral","sentiment_score":0.06075036013498902}],"sentiment":"neutral","sentiment_score":0.06075036013498902,"channel":1,"num_words":4,"start":94.995,"end":95.635},{"sentences":[{"text":"So","start":95.52,"end":96.02,"sentiment":"neutral","sentiment_score":0.03079306147992611}],"sentiment":"neutral","sentiment_score":0.03079306147992611,"channel":0,"num_words":1,"start":95.52,"end":96.02},{"sentences":[{"text":"what what's your","start":95.715004,"end":96.515,"sentiment":"neutral","sentiment_score":-0.004073100630193949}],"sentiment":"neutral","sentiment_score":-0.004073100630193949,"channel":1,"num_words":3,"start":95.715004,"end":96.515},{"sentences":[{"text":"I","start":96.465,"end":96.965,"sentiment":"neutral","sentiment_score":-0.003879191353917122}],"sentiment":"neutral","sentiment_score":-0.003879191353917122,"channel":0,"num_words":1,"start":96.465,"end":96.965},{"sentences":[{"text":"thing?","start":96.515,"end":97.015,"sentiment":"neutral","sentiment_score":0.017564674839377403}],"sentiment":"neutral","sentiment_score":0.017564674839377403,"channel":1,"num_words":1,"start":96.515,"end":97.015},{"sentences":[{"text":"I won't break down too detailed because it's obviously in the email, but the the host plus account has very low admin fees for","start":98.384995,"end":109.024994,"sentiment":"neutral","sentiment_score":0.017058970018600423}],"sentiment":"neutral","sentiment_score":0.017058970018600423,"channel":0,"num_words":24,"start":98.384995,"end":109.024994},{"sentences":[{"text":"Yeah.","start":108.82,"end":109.32,"sentiment":"neutral","sentiment_score":-0.010070735588669775}],"sentiment":"neutral","sentiment_score":-0.010070735588669775,"channel":1,"num_words":1,"start":108.82,"end":109.32},{"sentences":[{"text":"the account.","start":109.024994,"end":109.685,"sentiment":"neutral","sentiment_score":-0.024109525606036186},{"text":"It has some pretty high investment fees.","start":110.060005,"end":112.8,"sentiment":"neutral","sentiment_score":-0.07411681541374751},{"text":"So I've added them both together.","start":113.020004,"end":115.04,"sentiment":"neutral","sentiment_score":0.04028732112298409},{"text":"The hub twenty four has higher admin fees for the account, but lower investment fees.","start":115.420006,"end":120.380005,"sentiment":"neutral","sentiment_score":0.058133837580680844},{"text":"And then you've got OPU on top as well.","start":120.380005,"end":122.8,"sentiment":"neutral","sentiment_score":0.11579179018735886}],"sentiment":"neutral","sentiment_score":0.04073899597502672,"channel":0,"num_words":39,"start":109.024994,"end":122.8},{"sentences":[{"text":"So how it kind of comes out is for the host plus balance super, on your current balance, it's about $1,600 for the fees.","start":123.765,"end":134.745,"sentiment":"neutral","sentiment_score":0.09796647603313129}],"sentiment":"neutral","sentiment_score":0.09796647603313129,"channel":0,"num_words":24,"start":123.765,"end":134.745},{"sentences":[{"text":"Yeah.","start":136.945,"end":137.445,"sentiment":"neutral","sentiment_score":0.1295751929283142}],"sentiment":"neutral","sentiment_score":0.1295751929283142,"channel":1,"num_words":1,"start":136.945,"end":137.445},{"sentences":[{"text":"The hub twenty four balance we were looking at is $763 for the fees.","start":137.46,"end":143.8,"sentiment":"neutral","sentiment_score":0.16037627841745103},{"text":"Oakview, 1,900 on top of that.","start":146.90001,"end":150.25499,"sentiment":"neutral","sentiment_score":0.24320564170678458},{"text":"And then for the performance, the host plus balance was 7.5 percent for five years, and the hub 24 was 10.5% for five years.","start":152.155,"end":165.18,"sentiment":"neutral","sentiment_score":0.2432369322826465},{"text":"So I've added it all together.","start":168.2,"end":169.73999,"sentiment":"neutral","sentiment_score":0.25511881957451504},{"text":"Oakview plus hub 24, $2,700 versus 1,600.","start":170.51999,"end":176.62,"sentiment":"neutral","sentiment_score":0.21285739966801234}],"sentiment":"neutral","sentiment_score":0.22040180417529323,"channel":0,"num_words":57,"start":137.46,"end":176.62},{"sentences":[{"text":"So it's an extra $1,100 per year in fees for us and Hub combined.","start":176.895,"end":181.875,"sentiment":"positive","sentiment_score":0.407621226140431},{"text":"And with the performance difference, it's about an extra $4,000 in growth.","start":183.855,"end":188.355,"sentiment":"positive","sentiment_score":0.3384081907570362}],"sentiment":"positive","sentiment_score":0.37567674827117187,"channel":0,"num_words":26,"start":176.895,"end":188.355},{"sentences":[{"text":"So altogether?","start":191.585,"end":192.405,"sentiment":"neutral","sentiment_score":0.15861208736896515}],"sentiment":"neutral","sentiment_score":0.15861208736896515,"channel":1,"num_words":2,"start":191.585,"end":192.405},{"sentences":[{"text":"So altogether, about $3,000 better off with the hub 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insurance?","start":201.885,"end":207.425,"sentiment":"neutral","sentiment_score":-0.04269743228161877}],"sentiment":"neutral","sentiment_score":-0.04269743228161877,"channel":0,"num_words":22,"start":201.885,"end":207.425},{"sentences":[{"text":"Yeah.","start":208.34,"end":208.84,"sentiment":"neutral","sentiment_score":0.09595322608947754}],"sentiment":"neutral","sentiment_score":0.09595322608947754,"channel":1,"num_words":1,"start":208.34,"end":208.84},{"sentences":[{"text":"They give you, like, 33 $39,000 worth of life insurance and disability insurance for a couple of $100.","start":209.565,"end":217.51001,"sentiment":"neutral","sentiment_score":0.13746980039609802},{"text":"You do have that Zurich policy, which is, like, 10 times as much.","start":218.85,"end":222.87001,"sentiment":"neutral","sentiment_score":0.22844646527216986},{"text":"You've got 333,000 worth of life insurance as well, and that's a couple of grand that comes out of the super as well.","start":223.09,"end":230.625,"sentiment":"neutral","sentiment_score":0.24835250429485156},{"text":"So the insurance is a big part of it.","start":233.185,"end":235.205,"sentiment":"neutral","sentiment_score":0.11387440810600917},{"text":"Again, Host Plus has higher fees and lower performance.","start":235.345,"end":239.765,"sentiment":"neutral","sentiment_score":0.2148982501692242}],"sentiment":"neutral","sentiment_score":0.1960461385962036,"channel":0,"num_words":72,"start":209.565,"end":239.765},{"sentences":[{"text":"Hub twenty four has lower fees, better performance, but then you've got the advice fees on top, which makes it a little bit more expensive, but better returns overall.","start":240.305,"end":249.04,"sentiment":"neutral","sentiment_score":0.16605798848744097}],"sentiment":"neutral","sentiment_score":0.16605798848744097,"channel":0,"num_words":29,"start":240.305,"end":249.04},{"sentences":[{"text":"Okay.","start":251.91,"end":252.41,"sentiment":"neutral","sentiment_score":0.1675361543893814},{"text":"So that's that's all of those that you say, the text on that email.","start":252.47,"end":256.07,"sentiment":"neutral","sentiment_score":0.14574649876781873},{"text":"Yeah.","start":256.07,"end":256.57,"sentiment":"neutral","sentiment_score":0.20867100358009336}],"sentiment":"neutral","sentiment_score":0.15104113379493356,"channel":1,"num_words":16,"start":251.91,"end":256.57},{"sentences":[{"text":"Correct.","start":258.555,"end":258.715,"sentiment":"neutral","sentiment_score":0.27206456661224365},{"text":"Correct.","start":258.715,"end":259.035,"sentiment":"neutral","sentiment_score":0.308266282081604},{"text":"I'll have it all broken down in table form so you can see every part.","start":259.035,"end":262.655,"sentiment":"neutral","sentiment_score":0.2752328485250473},{"text":"And","start":262.955,"end":263.455,"sentiment":"neutral","sentiment_score":0.2633451521396637}],"sentiment":"neutral","sentiment_score":0.2762315960394012,"channel":0,"num_words":18,"start":258.555,"end":263.455},{"sentences":[{"text":"Yeah.","start":263.64502,"end":264.14502,"sentiment":"neutral","sentiment_score":0.2739373445510864}],"sentiment":"neutral","sentiment_score":0.2739373445510864,"channel":1,"num_words":1,"start":263.64502,"end":264.14502},{"sentences":[{"text":"that way, you can make a decision either way, but 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then","start":267.275,"end":271.755,"sentiment":"neutral","sentiment_score":0.10117285284731123}],"sentiment":"neutral","sentiment_score":0.10117285284731123,"channel":0,"num_words":9,"start":267.275,"end":271.755},{"sentences":[{"text":"Yeah.","start":271.725,"end":272.225,"sentiment":"neutral","sentiment_score":0.11504217982292177}],"sentiment":"neutral","sentiment_score":0.11504217982292177,"channel":1,"num_words":1,"start":271.725,"end":272.225},{"sentences":[{"text":"returns as well.","start":271.755,"end":272.85,"sentiment":"neutral","sentiment_score":0.1543593555688858},{"text":"Okay.","start":273.33002,"end":273.83002,"sentiment":"neutral","sentiment_score":0.16925495862960815}],"sentiment":"neutral","sentiment_score":0.1580832563340664,"channel":0,"num_words":4,"start":271.755,"end":273.83002},{"sentences":[{"text":"But for in case for insurance, I can always change that default a better one.","start":275.47,"end":281.33002,"sentiment":"neutral","sentiment_score":0.1070212627450625}],"sentiment":"neutral","sentiment_score":0.1070212627450625,"channel":1,"num_words":15,"start":275.47,"end":281.33002},{"sentences":[{"text":"Yeah.","start":282.53,"end":283.03,"sentiment":"neutral","sentiment_score":0.20327019691467285},{"text":"Your Zurich one can come out of host plus.","start":283.17,"end":285.715,"sentiment":"neutral","sentiment_score":0.16924032072226206},{"text":"You can change the payment to come out of any super funds because it's an enduring rollover.","start":285.715,"end":290.775,"sentiment":"neutral","sentiment_score":0.24789365863098817},{"text":"They can take it out once per year from any fund.","start":290.915,"end":293.575,"sentiment":"neutral","sentiment_score":0.2614290795542977},{"text":"So you can bring it with you around to different funds.","start":296.195,"end":298.675,"sentiment":"neutral","sentiment_score":0.31314423409375275}],"sentiment":"neutral","sentiment_score":0.25022309653613034,"channel":0,"num_words":49,"start":282.53,"end":298.675},{"sentences":[{"text":"That's okay.","start":298.675,"end":299.415,"sentiment":"positive","sentiment_score":0.48290251195430756},{"text":"As long as you update the payment details for that new super 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Nashville.","start":307.43,"end":308.95,"sentiment":"neutral","sentiment_score":0.03952451720833779},{"text":"Yeah.","start":308.95,"end":309.45,"sentiment":"neutral","sentiment_score":0.1028665453195572}],"sentiment":"neutral","sentiment_score":0.050081521893541016,"channel":1,"num_words":6,"start":307.43,"end":309.45},{"sentences":[{"text":"Yeah.","start":311.33,"end":311.65,"sentiment":"neutral","sentiment_score":0.14617860317230225},{"text":"That's right.","start":311.65,"end":312.21,"sentiment":"neutral","sentiment_score":0.2665015012025833},{"text":"I sent you through that estimate before.","start":312.21,"end":313.97,"sentiment":"neutral","sentiment_score":0.17119110907827104},{"text":"I don't have it up in front of me because it changes every day.","start":313.97,"end":316.915,"sentiment":"neutral","sentiment_score":-0.022534835019281933},{"text":"I can check it now if you wanted me to to do that.","start":317.935,"end":320.655,"sentiment":"neutral","sentiment_score":0.1424199377114956}],"sentiment":"neutral","sentiment_score":0.09225650997580709,"channel":0,"num_words":37,"start":311.33,"end":320.655},{"sentences":[{"text":"It'll take me about thirty seconds or so.","start":320.655,"end":322.675,"sentiment":"neutral","sentiment_score":0.09612697223201394}],"sentiment":"neutral","sentiment_score":0.09612697223201394,"channel":0,"num_words":8,"start":320.655,"end":322.675},{"sentences":[{"text":"And in case I move, you who who will fix those capital gain?","start":322.305,"end":329.445,"sentiment":"neutral","sentiment_score":0.029571077714745816}],"sentiment":"neutral","sentiment_score":0.029571077714745816,"channel":1,"num_words":13,"start":322.305,"end":329.445},{"sentences":[{"text":"When there's a move, it automatically sells everything, and then the super fund applies all of the capital gains underneath.","start":331.71002,"end":338.85,"sentiment":"neutral","sentiment_score":0.12936600148677826},{"text":"It sort of happens automatically for you.","start":339.47,"end":341.745,"sentiment":"neutral","sentiment_score":0.16105144151619502}],"sentiment":"neutral","sentiment_score":0.13758074519810853,"channel":0,"num_words":27,"start":331.71002,"end":341.745},{"sentences":[{"text":"Alright.","start":342.21,"end":342.71,"sentiment":"neutral","sentiment_score":0.1253601759672165}],"sentiment":"neutral","sentiment_score":0.1253601759672165,"channel":1,"num_words":1,"start":342.21,"end":342.71},{"sentences":[{"text":"Yeah.","start":343.585,"end":344.085,"sentiment":"neutral","sentiment_score":0.10627878457307816},{"text":"Let me have a look.","start":346.065,"end":347.925,"sentiment":"neutral","sentiment_score":0.07586008757352829},{"text":"It'll only take me a few seconds to update it because the stock market went up last since we last spoke a little bit, so it's a bit different.","start":348.225,"end":355.525,"sentiment":"neutral","sentiment_score":-0.013685465115925362},{"text":"I still think I think your your growth fund went up, like, 15% at the moment.","start":356.63,"end":360.81,"sentiment":"neutral","sentiment_score":0.08965650107711554},{"text":"And if I go to sell everything, one, two, three, four, five, six, and the last two, this one and this one.","start":360.94998,"end":372.51498,"sentiment":"neutral","sentiment_score":0.007560166530311108}],"sentiment":"neutral","sentiment_score":0.02314422486273393,"channel":0,"num_words":73,"start":343.585,"end":372.51498},{"sentences":[{"text":"And then I'll just hit analyze.","start":372.51498,"end":373.975,"sentiment":"neutral","sentiment_score":0.030346228430668514},{"text":"And we have yeah.","start":376.195,"end":380.35498,"sentiment":"neutral","sentiment_score":0.040821224451065063},{"text":"It's still around 2,900, similar to last 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went","start":400.185,"end":400.98502,"sentiment":"neutral","sentiment_score":0.0012381677515804768}],"sentiment":"neutral","sentiment_score":0.002562149427831173,"channel":0,"num_words":10,"start":388.65,"end":400.98502},{"sentences":[{"text":"And","start":400.85,"end":401.35,"sentiment":"neutral","sentiment_score":-0.017300114035606384}],"sentiment":"neutral","sentiment_score":-0.017300114035606384,"channel":1,"num_words":1,"start":400.85,"end":401.35},{"sentences":[{"text":"down to $1.33 and then bounced back to $1.38.","start":400.98502,"end":404.445,"sentiment":"neutral","sentiment_score":-0.030296675860881805}],"sentiment":"neutral","sentiment_score":-0.030296675860881805,"channel":0,"num_words":9,"start":400.98502,"end":404.445},{"sentences":[{"text":"And you're talking about the balance 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first.","start":525.07495,"end":527.33496,"sentiment":"neutral","sentiment_score":0.01829188480041921}],"sentiment":"neutral","sentiment_score":0.05226315127220005,"channel":1,"num_words":16,"start":521.795,"end":527.33496},{"sentences":[{"text":"Yeah.","start":527.71,"end":528.03,"sentiment":"neutral","sentiment_score":0.13497404754161835},{"text":"Absolutely.","start":528.03,"end":528.53,"sentiment":"neutral","sentiment_score":0.2301120162010193},{"text":"I'll I'll send you through that email this afternoon.","start":528.59,"end":530.69,"sentiment":"neutral","sentiment_score":0.1916725370619032},{"text":"Have a read over it.","start":530.75,"end":531.71,"sentiment":"neutral","sentiment_score":0.1804099291563034},{"text":"If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you.","start":531.71,"end":538.645,"sentiment":"neutral","sentiment_score":0.13785758504161127}],"sentiment":"neutral","sentiment_score":0.15614751951639042,"channel":0,"num_words":43,"start":527.71,"end":538.645},{"sentences":[{"text":"No worries at all.","start":538.645,"end":539.705,"sentiment":"neutral","sentiment_score":0.11502574943006039}],"sentiment":"neutral","sentiment_score":0.11502574943006039,"channel":0,"num_words":4,"start":538.645,"end":539.705},{"sentences":[{"text":"Okay.","start":540.73,"end":541.13,"sentiment":"neutral","sentiment_score":0.1503758430480957},{"text":"No.","start":541.13,"end":541.29,"sentiment":"neutral","sentiment_score":0.1652660369873047},{"text":"It's fine.","start":541.29,"end":542.02997,"sentiment":"neutral","sentiment_score":0.23426368087530136},{"text":"All","start":542.17,"end":542.41,"sentiment":"positive","sentiment_score":0.3821776211261749}],"sentiment":"neutral","sentiment_score":0.2332693725824356,"channel":1,"num_words":5,"start":540.73,"end":542.41},{"sentences":[{"text":"Cool.","start":542.405,"end":542.72504,"sentiment":"positive","sentiment_score":0.5743284225463867}],"sentiment":"positive","sentiment_score":0.5743284225463867,"channel":0,"num_words":1,"start":542.405,"end":542.72504},{"sentences":[{"text":"good.","start":542.41,"end":542.64996,"sentiment":"positive","sentiment_score":0.5539805889129639},{"text":"Thanks","start":542.64996,"end":543.05,"sentiment":"positive","sentiment_score":0.7023674845695496}],"sentiment":"positive","sentiment_score":0.6281740367412567,"channel":1,"num_words":2,"start":542.41,"end":543.05},{"sentences":[{"text":"Then","start":542.72504,"end":543.22504,"sentiment":"positive","sentiment_score":0.5970687866210938}],"sentiment":"positive","sentiment_score":0.5970687866210938,"channel":0,"num_words":1,"start":542.72504,"end":543.22504},{"sentences":[{"text":"for your for your time.","start":543.05,"end":544.99,"sentiment":"positive","sentiment_score":0.5962975859642029}],"sentiment":"positive","sentiment_score":0.5962975859642029,"channel":1,"num_words":5,"start":543.05,"end":544.99},{"sentences":[{"text":"no worries at all.","start":545.28503,"end":546.085,"sentiment":"neutral","sentiment_score":0.25288257002830505},{"text":"Do you have any questions before I let you go for the weekend?","start":546.085,"end":548.505,"sentiment":"neutral","sentiment_score":0.20860497997357294}],"sentiment":"neutral","sentiment_score":0.21902323645703933,"channel":0,"num_words":17,"start":545.28503,"end":548.505},{"sentences":[{"text":"I think that's all for the time, dear.","start":551.315,"end":553.255,"sentiment":"positive","sentiment_score":0.43507831916213036}],"sentiment":"positive","sentiment_score":0.43507831916213036,"channel":1,"num_words":8,"start":551.315,"end":553.255},{"sentences":[{"text":"Awesome, Ben.","start":554.47,"end":555.19,"sentiment":"positive","sentiment_score":0.5546362102031708},{"text":"I'll get that through to you as soon as I can, and, mate, I look forward to talking to you soon.","start":555.19,"end":559.2869,"sentiment":"positive","sentiment_score":0.559372855084283}],"sentiment":"positive","sentiment_score":0.558960972920708,"channel":0,"num_words":23,"start":554.47,"end":559.2869},{"sentences":[{"text":"Alright.","start":559.8469,"end":560.24695,"sentiment":"positive","sentiment_score":0.5424001216888428},{"text":"Thanks, Tommy.","start":560.24695,"end":561.06696,"sentiment":"positive","sentiment_score":0.7913614809513092}],"sentiment":"positive","sentiment_score":0.7083743611971537,"channel":1,"num_words":3,"start":559.8469,"end":561.06696},{"sentences":[{"text":"Thanks, buddy.","start":561.36694,"end":562.0069,"sentiment":"positive","sentiment_score":0.8635958433151245},{"text":"Have a good weekend.","start":562.0069,"end":562.80695,"sentiment":"positive","sentiment_score":0.7673243433237076},{"text":"Bye.","start":562.80695,"end":563.30695,"sentiment":"positive","sentiment_score":0.4932210147380829}],"sentiment":"positive","sentiment_score":0.7556728678090232,"channel":0,"num_words":7,"start":561.36694,"end":563.30695},{"sentences":[{"text":"You you too.","start":563.36694,"end":564.16693,"sentiment":"positive","sentiment_score":0.5150122543176016},{"text":"Bye.","start":564.16693,"end":564.66693,"sentiment":"neutral","sentiment_score":-0.1233949139714241}],"sentiment":"positive","sentiment_score":0.3554104622453451,"channel":1,"num_words":4,"start":563.36694,"end":564.66693}]},"summary":{"result":"success","short":"Asic, a company called with a focus on host plus and hub twenty four balanced accounts, discussed fees and performance differences between host plus and hub twenty four balanced accounts, as well as the possibility of changing default insurance policies and adjusting risk levels. The company plans to update payment details and provide further information, while also exploring potential risks and reducing risk for the stock market. The conversation ended pleasantly with plans to send an email and follow up with the team."},"intents":{"segments":[{"text":"I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about. And did you want me to kind of just talk through the figures for you to note down ahead of that email? What would be easiest for you?","start_word":158,"end_word":214,"intents":[{"intent":"Discuss balance options","confidence_score":0.032876678}]},{"text":"Now that doesn't take into account the insurances because do you remember I was talking about host plus give you default insurance? Yeah.","start_word":437,"end_word":459,"intents":[{"intent":"Educate about insurances","confidence_score":0.0015394961}]},{"text":"How much is my balance right now?","start_word":886,"end_word":892,"intents":[{"intent":"Inquire about balance","confidence_score":0.00034410614}]},{"text":"That's the comparison I did was going down to a balance versus a balance host plus, so it was like a like for like.","start_word":989,"end_word":1012,"intents":[{"intent":"Compare funds and market","confidence_score":0.00007653429}]},{"text":"I will decide over the weekend. Yeah?","start_word":1215,"end_word":1221,"intents":[{"intent":"Determine plan","confidence_score":0.04508554}]},{"text":"If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you. No worries at all.","start_word":1246,"end_word":1276,"intents":[{"intent":"Schedule follow-up chat","confidence_score":0.02346961}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.04077990725636482},{"text":"Good afternoon, Ben.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3376464545726776},{"text":"It's Tommy here from. How are you doing?","start_word":4,"end_word":11,"sentiment":"neutral","sentiment_score":0.2796122431755066},{"text":"I'm good. I'm good. Fantastic, sir.","start_word":12,"end_word":17,"sentiment":"positive","sentiment_score":0.6752799153327942},{"text":"I just wanted to see if you got my text message before this call. Yeah. I got it.","start_word":18,"end_word":35,"sentiment":"neutral","sentiment_score":0.20566461980342865},{"text":"Awesome. Awesome.","start_word":36,"end_word":37,"sentiment":"positive","sentiment_score":0.5882292985916138},{"text":"Mate, if you did still have a few minutes for me, I had some figures noted down for you, and I'm gonna Yeah. email them through probably in about an hour or two if I can get the IT team onto it. Yep. Did you wanna have a bit of a chat now or just wait until you get that email? No. We can do a chat now. Yeah. Awesome. Awesome. Awesome. Now before I jump into any details of your account, are you okay to confirm your date of birth and address for security for me, please? 09/03/1970, 111 Kaidonia Street, Daxley. Mhmm.","start_word":38,"end_word":141,"sentiment":"neutral","sentiment_score":0.08839923143386841},{"text":"Fantastic. Thanks for that, Ben.","start_word":142,"end_word":146,"sentiment":"positive","sentiment_score":0.5974007844924927},{"text":"And I'm registered with Asic as adviser 1273105. Now, mate, Yep. I've done a I've done a comparison for you between the host plus and hub twenty four balanced, if you remember the the balance options we were talking about. And did you want me to kind of just talk through the figures for you to note down ahead of that email? What would be easiest for you? No. I will be checking those figures in the email better. Yep. So I just want to Yeah. see your summary of what you know? What, Perfect. you know, what you So what what's your I thing? I won't break down too detailed because it's obviously in the email, but the the host plus account has very low admin fees for Yeah. the account. It has some pretty high investment fees. So I've added them both together. The hub twenty four has higher admin fees for the account, but lower investment fees. And then you've got OPU on top as well. So how it kind of comes out is for the host plus balance super, on your current balance, it's about $1,600 for the fees. Yeah. The hub twenty four balance we were looking at is $763 for the fees. Oakview, 1,900 on top of that. And then for the performance, the host plus balance was 7.5 percent for five years, and the hub 24 was 10.5% for five years. So I've added it all together. Oakview plus hub 24, $2,700 versus 1,600.","start_word":147,"end_word":397,"sentiment":"neutral","sentiment_score":0.0947427759726209},{"text":"So it's an extra $1,100 per year in fees for us and Hub combined. And with the performance difference, it's about an extra $4,000 in growth.","start_word":398,"end_word":423,"sentiment":"positive","sentiment_score":0.3766198754310608},{"text":"So altogether?","start_word":424,"end_word":425,"sentiment":"neutral","sentiment_score":0.16236209869384766},{"text":"So altogether, about $3,000 better off with the hub balance.","start_word":426,"end_word":435,"sentiment":"positive","sentiment_score":0.3652205467224121},{"text":"Really? Now that doesn't take into account the insurances because do you remember I was talking about host plus give you default insurance? Yeah. They give you, like, 33 $39,000 worth of life insurance and disability insurance for a couple of $100. You do have that Zurich policy, which is, like, 10 times as much. You've got 333,000 worth of life insurance as well, and that's a couple of grand that comes out of the super as well. So the insurance is a big part of it. Again, Host Plus has higher fees and lower performance. Hub twenty four has lower fees, better performance, but then you've got the advice fees on top, which makes it a little bit more expensive, but better returns overall. Okay. So that's that's all of those that you say, the text on that email. Yeah. Correct. Correct. I'll have it all broken down in table form so you can see every part. And Yeah. that way, you can make a decision either way, but it Yep. will break down admin investment advisor insurance and then Yeah. returns as well. Okay. But for in case for insurance, I can always change that default a better one. Yeah. Your Zurich one can come out of host plus. You can change the payment to come out of any super funds because it's an enduring rollover. They can take it out once per year from any fund. So you can bring it with you around to different funds.","start_word":436,"end_word":685,"sentiment":"neutral","sentiment_score":0.18056277930736545},{"text":"That's okay.","start_word":686,"end_word":687,"sentiment":"positive","sentiment_score":0.48511749505996704},{"text":"As long as you update the payment details for that new super account. Okay. K. And the capital t, Nashville. Yeah. Yeah. That's right. I sent you through that estimate before. I don't have it up in front of me because it changes every day. I can check it now if you wanted me to to do that. It'll take me about thirty seconds or so. And in case I move, you who who will fix those capital gain? When there's a move, it automatically sells everything, and then the super fund applies all of the capital gains underneath. It sort of happens automatically for you. Alright. Yeah. Let me have a look. It'll only take me a few seconds to update it because the stock market went up last since we last spoke a little bit, so it's a bit different. I still think I think your your growth fund went up, like, 15% at the moment. And if I go to sell everything, one, two, three, four, five, six, and the last two, this one and this one. And then I'll just hit analyze. And we have yeah. It's still around 2,900, similar to last time. How much is my balance right now? You are sitting at a 138,749. I think it went And down to $1.33 and then bounced back to $1.38. And you're talking about the balance one. Is Yeah. Yep. that Because a you're currently in the higher risk one, and we were talking about either you go down to a balanced or you go across the host plus balance, but we had to lower the risk either way. So if we move to a balance to half twenty four, would it be better or what? Yeah. That's the figures that I just gave you. That's the comparison I did was going down to a balance versus a balance host plus, so it was like a like for like. And right now, I'm not on a balance in half twenty four. No. You're in a I'll give you the exact one. It is growth, so one level above balance. So balance is three out of five risk. Growth is four out of five. You're one below the highest risk, one above the middle. And when the stock the situation is better, it is better. Yeah? Whenever it's worse, it's worse. Yes. Exactly That's the right. thing. Higher highs and lower lows. That's always the way. The whole point is, like, over ten years, it averages out. The market goes up, down, up, down, up, down, and your balance fund may get seven or 8%, and your growth fund gets nine or 10% over that ten years. It's about time frame, though, because you're 55. Right? You don't really have twenty years to be high risk. We can leave it in a bit of a growth fund for the time being and let it bounce back a little bit and then reduce the risk at the end of the year or next year if you wanna wait a little while, but you have to be comfortable with what it does. That's all. Alright. I will decide over the weekend. Yeah? I have to check on those figures first. Yeah. Absolutely. I'll I'll send you through that email this afternoon. Have a read over it. If you wanna have another follow-up chat or you wanna try some different options, just book in with the team, and I'll have another chat with you. No worries at all. Okay. No. It's fine.","start_word":688,"end_word":1280,"sentiment":"neutral","sentiment_score":0.03934585222028962},{"text":"All Cool. good. Thanks Then for your for your time.","start_word":1281,"end_word":1290,"sentiment":"positive","sentiment_score":0.5732694864273071},{"text":"no worries at all. Do you have any questions before I let you go for the weekend?","start_word":1291,"end_word":1307,"sentiment":"neutral","sentiment_score":0.22378793358802795},{"text":"I think that's all for the time, dear. Awesome, Ben. I'll get that through to you as soon as I can, and, mate, I look forward to talking to you soon. Alright. Thanks, Tommy. Thanks, buddy. Have a good weekend. Bye. You you too.","start_word":1308,"end_word":1351,"sentiment":"positive","sentiment_score":0.5811638967557387},{"text":"Bye.","start_word":1352,"end_word":1352,"sentiment":"neutral","sentiment_score":0.2794298529624939}],"average":{"sentiment":"neutral","sentiment_score":0.12755470752457054}}}}