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It is pretty straightforward. There's not much changes. So when you have a look through the document, a lot of it is just the compliance to make sure that you are fully across everything. We've kind of touched on most of it last time, but, basically, I had a look at your super. I also looked at the SMA. Do you remember kind of talking briefly about that and seeing if that was going to be an option for you? Yeah. So after kind of going through all the research, I have made a recommendation. And what I have recommended for you is to stay in hub twenty four. So I looked at a lot of different super funds just to make sure Hub twenty four was still going to be the best option for you, and it very much is. It's very competitive with pricing and the features and everything that they have. At the moment, it's great. I use Hub twenty four for my personal super as well, and it is quite competitive when we are looking at a similar option. So at the moment, I have recommended staying in Hub 24. I haven't recommended the SMA because when I looked at the SMA, the SMA was going to be a little bit more expensive, and the performance wasn't as good as what I have recommended. So for the time being, what I have recommended, it is pretty simple. It's just just switching some of your investments out for other ones to try and reduce the fees and improve those returns a little bit. So it is pretty straightforward today. Now when you have a look at the this will all kind of be outlined to the recommendation from page 12. So it will kind of talk through the recommendation and how that puts you in a best better position. It also kind of outlines some advantages in regards to it. So one of the really good advantages with the recommendation is that it's actually quite a bit cheaper than what you currently have just by making some changes for your investment. So on a yearly basis, roughly, it will save you about $422 in fees alone, which is pretty good. So Yeah. Now with exactly. Well, if we can make it a little bit cheaper and give you a little bit more in there for you when you retire, that's good. That's yeah. Exactly. Exactly. Now we're not making any changes to your risk profile, so it still stays within the high growth. So it will still continue to be aligned with your risk profile. And the good thing as well is with with the investment switches, the way that we have done it, it actually won't be any capital gains tax with the changes. You don't have to pay any tax on the investments we are selling, so that's really positive. Something to be mindful of is, though, that there's, you know, there's always a level of risk associated with any investment option. So, obviously, something to be mindful of. Otherwise, when it actually comes to the return of the portfolio so when we are looking at a five year rolling average, so your current portfolio in Hub twenty four over a five year rolling I mean, we'll we'll try to get you we'll try to get you as close to that as we can, Adam. Now the the five, yeah, the five year rolling average on your current portfolio is about 6.474. And the recommended one, historically, is 13.79. So it's quite a bit outperformed your current option, which is really good. And when we are looking about it at ten year time frame, assuming everything kind of stays the same, by making the investment changes, it will make a difference of around 186,000, which is pretty 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okay. That's okay, Adam. Basic basically, the recommendation I do have another booking then. So if you don't mind, I will try to make it quick quick for you, and we'll we'll see how we go. It is pretty straightforward.\n\nThere's not much changes. So when you have a look through the document, a lot of it is just the compliance to make sure that you are fully across everything. We've kind of touched on most of it last time, but, basically, I had a look at your super. I also looked at the SMA. Do you remember kind of talking briefly about that and seeing if that was going to be an option for you?\n\nYeah. So after kind of going through all the research, I have made a recommendation. And what I have recommended for you is to stay in hub twenty four. So I looked at a lot of different super funds just to make sure Hub twenty four was still going to be the best option for you, and it very much is. It's very competitive with pricing and the features and everything that they have.\n\nAt the moment, it's great. I use Hub twenty four for my personal super as well, and it is quite competitive when we are looking at a similar option. So at the moment, I have recommended staying in Hub 24. I haven't recommended the SMA because when I looked at the SMA, the SMA was going to be a little bit more expensive, and the performance wasn't as good as what I have recommended. So for the time being, what I have recommended, it is pretty simple.\n\nIt's just just switching some of your investments out for other ones to try and reduce the fees and improve those returns a little bit. So it is pretty straightforward today. Now when you have a look at the this will all kind of be outlined to the recommendation from page 12. So it will kind of talk through the recommendation and how that puts you in a best better position. It also kind of outlines some advantages in regards to it.\n\nSo one of the really good advantages with the recommendation is that it's actually quite a bit cheaper than what you currently have just by making some changes for your investment. So on a yearly basis, roughly, it will save you about $422 in fees alone, which is pretty good. So Yeah. Now with exactly. Well, if we can make it a little bit cheaper and give you a little bit more in there for you when you retire, that's good.\n\nThat's yeah. Exactly. Exactly. Now we're not making any changes to your risk profile, so it still stays within the high growth. So it will still continue to be aligned with your risk profile.\n\nAnd the good thing as well is with with the investment switches, the way that we have done it, it actually won't be any capital gains tax with the changes. You don't have to pay any tax on the investments we are selling, so that's really positive. Something to be mindful of is, though, that there's, you know, there's always a level of risk associated with any investment option. So, obviously, something to be mindful of. Otherwise, when it actually comes to the return of the portfolio so when we are looking at a five year rolling average, so your current portfolio in Hub twenty four over a five year rolling I mean, we'll we'll try to get you we'll try to get you as close to that as we can, Adam.\n\nNow the the five, yeah, the five year rolling average on your current portfolio is about 6.474. And the recommended one, historically, is 13.79. So it's quite a bit outperformed your current option, which is really good. And when we are looking about it at ten year time frame, assuming everything kind of stays the same, by making the investment changes, it will make a difference of around 186,000, which is pretty good.","paragraphs":[{"sentences":[{"text":"That's okay.","start":2.0,"end":2.98,"sentiment":"neutral","sentiment_score":-0.1708752140402794},{"text":"That's okay, Adam.","start":6.64,"end":7.94,"sentiment":"neutral","sentiment_score":-0.09041720752914746},{"text":"Basic basically, the recommendation I do have another booking then.","start":9.36,"end":18.975,"sentiment":"neutral","sentiment_score":0.027326668985188006},{"text":"So if you don't mind, I will try to make it quick quick for you, and we'll we'll see how we go.","start":18.975,"end":24.835,"sentiment":"neutral","sentiment_score":0.1730143895203417},{"text":"It is pretty straightforward.","start":26.029999,"end":27.73,"sentiment":"positive","sentiment_score":0.45040635019540787}],"sentiment":"neutral","sentiment_score":0.12849284413202508,"num_words":41,"start":2.0,"end":27.73},{"sentences":[{"text":"There's not much changes.","start":27.949999,"end":29.65,"sentiment":"neutral","sentiment_score":0.13624316360801458},{"text":"So when you have a look through the document, a lot of it is just the compliance to make sure that you are fully across everything.","start":29.71,"end":35.489998,"sentiment":"neutral","sentiment_score":0.25036699496782744},{"text":"We've kind of touched on most of it last time, but, basically, I had a look at your super.","start":35.79,"end":43.344997,"sentiment":"neutral","sentiment_score":0.11950938913382982},{"text":"I also looked at the SMA.","start":43.344997,"end":46.245,"sentiment":"neutral","sentiment_score":0.07376581057906151},{"text":"Do you remember kind of talking briefly about that and seeing if that was going to be an option for you?","start":46.385,"end":51.925,"sentiment":"neutral","sentiment_score":0.0851748019811653}],"sentiment":"neutral","sentiment_score":0.152058666081805,"num_words":76,"start":27.949999,"end":51.925},{"sentences":[{"text":"Yeah.","start":54.160004,"end":54.640003,"sentiment":"neutral","sentiment_score":0.0989466905593872},{"text":"So after kind of going through all the research, I have made a recommendation.","start":54.640003,"end":59.460003,"sentiment":"neutral","sentiment_score":0.15700556657144002},{"text":"And what I have recommended for you is to stay in hub twenty four.","start":59.84,"end":64.96,"sentiment":"neutral","sentiment_score":0.19507422191756113},{"text":"So I looked at a lot of different super funds just to make sure Hub twenty four was still going to be the best option for you, and it very much is.","start":64.96,"end":73.835,"sentiment":"neutral","sentiment_score":0.29560258286073804},{"text":"It's very competitive with pricing and the features and everything that they have.","start":73.835,"end":78.335,"sentiment":"positive","sentiment_score":0.35368045132893783}],"sentiment":"neutral","sentiment_score":0.25790800335439473,"num_words":74,"start":54.160004,"end":78.335},{"sentences":[{"text":"At the moment, it's great.","start":79.16,"end":80.520004,"sentiment":"positive","sentiment_score":0.45270336866378785},{"text":"I use Hub twenty four for my personal super as well, and it is quite competitive when we are looking at a similar option.","start":80.520004,"end":87.98,"sentiment":"positive","sentiment_score":0.48980187624692917},{"text":"So at the moment, I have recommended staying in Hub 24.","start":88.28,"end":92.3,"sentiment":"neutral","sentiment_score":0.024253997443751854},{"text":"I haven't recommended the SMA because when I looked at the SMA, the SMA was going to be a little bit more expensive, and the performance wasn't as good as what I have recommended.","start":92.6,"end":103.814995,"sentiment":"neutral","sentiment_score":-0.16958345626206958},{"text":"So for the time being, what I have recommended, it is pretty simple.","start":104.034996,"end":107.955,"sentiment":"neutral","sentiment_score":0.22594270797876212}],"sentiment":"neutral","sentiment_score":0.13168935098781667,"num_words":87,"start":79.16,"end":107.955},{"sentences":[{"text":"It's just just switching some of your investments out for other ones to try and reduce the fees and improve those returns a little bit.","start":107.955,"end":115.72,"sentiment":"neutral","sentiment_score":0.26112075805664064},{"text":"So it is pretty straightforward today.","start":115.72,"end":117.82,"sentiment":"positive","sentiment_score":0.39463044206301373},{"text":"Now when you have a look at the this will all kind of be outlined to the recommendation from page 12.","start":119.88,"end":129.365,"sentiment":"neutral","sentiment_score":0.09172068270189422},{"text":"So it will kind of talk through the recommendation and how that puts you in a best better position.","start":129.365,"end":135.34999,"sentiment":"neutral","sentiment_score":0.22022404011927152},{"text":"It also kind of outlines some advantages in regards to it.","start":136.12999,"end":139.81,"sentiment":"neutral","sentiment_score":0.13795281133868478}],"sentiment":"neutral","sentiment_score":0.201508214969824,"num_words":82,"start":107.955,"end":139.81},{"sentences":[{"text":"So one of the really good advantages with the recommendation is that it's actually quite a bit cheaper than what you currently have just by making some changes for your investment.","start":139.81,"end":151.955,"sentiment":"positive","sentiment_score":0.42909401462924096},{"text":"So on a yearly basis, roughly, it will save you about $422 in fees alone, which is pretty good.","start":152.735,"end":161.475,"sentiment":"positive","sentiment_score":0.47374542920213},{"text":"So Yeah.","start":163.4,"end":164.06,"sentiment":"neutral","sentiment_score":0.3024107366800308},{"text":"Now with exactly.","start":164.44,"end":167.58,"sentiment":"neutral","sentiment_score":0.23602423071861267},{"text":"Well, if we can make it a little bit cheaper and give you a little bit more in there for you when you retire, that's good.","start":167.72,"end":172.86,"sentiment":"positive","sentiment_score":0.36283337611418504}],"sentiment":"positive","sentiment_score":0.4080202413929833,"num_words":81,"start":139.81,"end":172.86},{"sentences":[{"text":"That's yeah.","start":174.52,"end":175.98,"sentiment":"neutral","sentiment_score":0.24933603405952454},{"text":"Exactly.","start":176.915,"end":177.415,"sentiment":"neutral","sentiment_score":0.1542113721370697},{"text":"Exactly.","start":180.595,"end":181.095,"sentiment":"neutral","sentiment_score":0.11373960971832275},{"text":"Now we're not making any changes to your risk profile, so it still stays within the high 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I passed the headset again. It's fucked up. Unless you unless you wanna talk to me probably another hour. Yep. Yep. The half 20 fourth of this, is it? Yep. No. What? No. What? Yep. No worries. Yep. Yep. Yep. Yep. It's pretty good. I'm happy with it. Yes. No worries. Yep. 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again? I passed the headset again. It's fucked up. Unless you unless you wanna talk to me probably another hour. Yep.\n\nYep. The half 20 fourth of this, is it? Yep. No. What?\n\nNo. What? Yep. No worries. Yep.\n\nYep. Yep. Yep. It's pretty good. I'm happy with it.\n\nYes. No worries. Yep. Yep.","paragraphs":[{"sentences":[{"text":"Hello again?","start":0.48,"end":1.3,"sentiment":"neutral","sentiment_score":-0.004459748510271311},{"text":"I passed the headset again.","start":3.6799998,"end":5.22,"sentiment":"negative","sentiment_score":-0.5439819812774658},{"text":"It's fucked up.","start":5.2799997,"end":6.2599998,"sentiment":"negative","sentiment_score":-0.8043006261189779},{"text":"Unless you unless you wanna talk to me probably another hour.","start":11.44,"end":16.115,"sentiment":"neutral","sentiment_score":-0.07092242400077256},{"text":"Yep.","start":34.37,"end":34.87,"sentiment":"neutral","sentiment_score":0.17086128890514374}],"sentiment":"neutral","sentiment_score":-0.2614098480394618,"num_words":22,"start":0.48,"end":34.87},{"sentences":[{"text":"Yep.","start":71.774994,"end":72.274994,"sentiment":"neutral","sentiment_score":0.31342029571533203},{"text":"The half 20 fourth of this, is it?","start":76.41499,"end":78.354996,"sentiment":"neutral","sentiment_score":0.17463632207363844},{"text":"Yep.","start":78.814995,"end":79.314995,"sentiment":"neutral","sentiment_score":0.12267766892910004},{"text":"No.","start":88.82,"end":88.979996,"sentiment":"neutral","sentiment_score":0.02264031209051609},{"text":"What?","start":88.979996,"end":89.479996,"sentiment":"neutral","sentiment_score":0.0053793890401721}],"sentiment":"neutral","sentiment_score":0.15510068686368564,"num_words":12,"start":71.774994,"end":89.479996},{"sentences":[{"text":"No.","start":92.58,"end":92.979996,"sentiment":"neutral","sentiment_score":-0.08764901012182236},{"text":"What?","start":92.979996,"end":93.479996,"sentiment":"neutral","sentiment_score":-0.07261485606431961},{"text":"Yep.","start":101.235,"end":101.735,"sentiment":"neutral","sentiment_score":-0.23409870266914368},{"text":"No worries.","start":117.89,"end":118.63,"sentiment":"neutral","sentiment_score":0.09341593831777573},{"text":"Yep.","start":136.395,"end":136.895,"sentiment":"neutral","sentiment_score":0.15144315361976624}],"sentiment":"neutral","sentiment_score":-0.00934792309999466,"num_words":6,"start":92.58,"end":136.895},{"sentences":[{"text":"Yep.","start":140.6,"end":141.1,"sentiment":"neutral","sentiment_score":0.2981627881526947},{"text":"Yep.","start":151.895,"end":152.395,"sentiment":"neutral","sentiment_score":0.30942219495773315},{"text":"Yep.","start":160.695,"end":161.195,"sentiment":"positive","sentiment_score":0.5286493301391602},{"text":"It's pretty good.","start":161.895,"end":162.695,"sentiment":"positive","sentiment_score":0.8354689876238505},{"text":"I'm happy with it.","start":162.695,"end":163.835,"sentiment":"positive","sentiment_score":0.7854851484298706}],"sentiment":"positive","sentiment_score":0.6784581869840622,"num_words":10,"start":140.6,"end":163.835},{"sentences":[{"text":"Yes.","start":190.72,"end":191.22,"sentiment":"neutral","sentiment_score":0.04991786926984787},{"text":"No worries.","start":205.43501,"end":206.175,"sentiment":"neutral","sentiment_score":0.14613252878189087},{"text":"Yep.","start":264.445,"end":264.945,"sentiment":"neutral","sentiment_score":0.1254347264766693},{"text":"Yep.","start":278.85895,"end":279.35895,"sentiment":"neutral","sentiment_score":0.26635339856147766}],"sentiment":"neutral","sentiment_score":0.1467942103743553,"num_words":5,"start":190.72,"end":279.35895}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello again?\n\nChannel 0: That's okay.\n\nChannel 1: I passed the headset again. It's fucked up.\n\nChannel 0: That's okay, Adam. Basic basically, the recommendation\n\nChannel 1: Unless you unless you wanna talk to me probably another hour.\n\nChannel 0: I do have another booking then. So if you don't mind, I will try to make it quick quick for you, and we'll we'll see how we go. It is pretty straightforward. There's not much changes. So when you have a look through the document, a lot of it is just the compliance to make sure that you are fully\n\nChannel 1: Yep.\n\nChannel 0: across everything. We've kind of touched on most of it last time, but, basically, I had a look at your super. I also looked at the SMA. Do you remember kind of talking briefly about that and seeing if that was going to be an option for you? Yeah.\n\nSo after kind of going through all the research, I have made a recommendation. And what I have recommended for you is to stay in hub twenty four. So I looked at a lot of different super funds just to make sure Hub twenty four was still going to be the best option for you,\n\nChannel 1: Yep.\n\nChannel 0: and it very much is. It's very competitive with pricing and the features\n\nChannel 1: The half\n\nChannel 0: and\n\nChannel 1: 20\n\nChannel 0: everything\n\nChannel 1: fourth\n\nChannel 0: that\n\nChannel 1: of this,\n\nChannel 0: they\n\nChannel 1: is\n\nChannel 0: have.\n\nChannel 1: it? Yep.\n\nChannel 0: At the moment, it's great. I use Hub twenty four for my personal super as well, and it is quite competitive when we are looking at a similar option. So at\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: What?\n\nChannel 0: moment, I have recommended staying in Hub 24.\n\nChannel 1: No.\n\nChannel 0: I haven't\n\nChannel 1: What?\n\nChannel 0: recommended the SMA because when I looked at the SMA, the SMA was going to be a little bit more expensive, and the performance\n\nChannel 1: Yep.\n\nChannel 0: wasn't as good as what I have recommended. So for the time being, what I have recommended, it is pretty simple. It's just just switching some of your investments out for other ones to try and reduce the fees and improve those returns a little bit. So it is pretty straightforward today.\n\nChannel 1: No worries.\n\nChannel 0: Now when you have a look at the this will all kind of be outlined to the recommendation from page 12. So it will kind of talk through the recommendation and how that puts you in a best better position. It also\n\nChannel 1: Yep.\n\nChannel 0: kind of outlines some advantages in regards to it. So one of\n\nChannel 1: Yep.\n\nChannel 0: the really good advantages with the recommendation is that it's actually quite a bit cheaper than what you currently have just by making some changes for your investment.\n\nChannel 1: Yep.\n\nChannel 0: So on a yearly basis, roughly, it will save you about $422 in fees alone, which is\n\nChannel 1: Yep.\n\nChannel 0: pretty good.\n\nChannel 1: It's pretty good. I'm happy with it.\n\nChannel 0: So Yeah. Now with exactly. Well, if we can make it a little bit cheaper and give you a little bit more in there for you when you retire, that's good. That's yeah. Exactly.\n\nExactly. Now we're not making any changes to your risk profile, so it still stays within the high growth. So it will still continue to be aligned with your\n\nChannel 1: Yes.\n\nChannel 0: risk profile. And the good thing as well is with with the investment switches, the way that we have done it, it actually won't be any capital gains tax with the changes. You don't have to pay any tax on the investments we are\n\nChannel 1: No\n\nChannel 0: selling,\n\nChannel 1: worries.\n\nChannel 0: so that's really positive. Something to be mindful of is, though, that there's, you know, there's always a level of risk associated with any investment option. So, obviously, something to be mindful of. Otherwise, when it actually comes to the return of the portfolio so when we are looking at a five year rolling average, so your current portfolio in Hub twenty four over a five year rolling I mean, we'll we'll try to get you we'll try to get you as close to that as we can, Adam. Now the the five, yeah, the five year rolling average on your current portfolio is about 6.474.\n\nAnd the recommended one, historically, is 13.79. So it's quite a bit outperformed your current option, which is really good.\n\nChannel 1: Yep.\n\nChannel 0: And when we are looking about it at ten year time frame, assuming everything kind of stays the same, by making the investment changes, it will make a difference of around 186,000, which is\n\nChannel 1: Yep.\n\nChannel 0: pretty good.","paragraphs":[{"sentences":[{"text":"Hello again?","start":0.48,"end":1.3,"sentiment":"neutral","sentiment_score":-0.004459748510271311}],"sentiment":"neutral","sentiment_score":-0.004459748510271311,"channel":1,"num_words":2,"start":0.48,"end":1.3},{"sentences":[{"text":"That's okay.","start":2.0,"end":2.98,"sentiment":"neutral","sentiment_score":-0.1708752140402794}],"sentiment":"neutral","sentiment_score":-0.1708752140402794,"channel":0,"num_words":2,"start":2.0,"end":2.98},{"sentences":[{"text":"I passed the headset again.","start":3.6799998,"end":5.22,"sentiment":"negative","sentiment_score":-0.5439819812774658},{"text":"It's fucked up.","start":5.2799997,"end":6.2599998,"sentiment":"negative","sentiment_score":-0.8043006261189779}],"sentiment":"negative","sentiment_score":-0.6416014730930328,"channel":1,"num_words":8,"start":3.6799998,"end":6.2599998},{"sentences":[{"text":"That's okay, Adam.","start":6.64,"end":7.94,"sentiment":"neutral","sentiment_score":-0.09041720752914746},{"text":"Basic basically, the recommendation","start":9.36,"end":11.219999,"sentiment":"neutral","sentiment_score":0.013846017885953188}],"sentiment":"neutral","sentiment_score":-0.03083822157766138,"channel":0,"num_words":7,"start":6.64,"end":11.219999},{"sentences":[{"text":"Unless you unless you wanna talk to me probably another hour.","start":11.44,"end":16.115,"sentiment":"neutral","sentiment_score":-0.07092242400077256}],"sentiment":"neutral","sentiment_score":-0.07092242400077256,"channel":1,"num_words":11,"start":11.44,"end":16.115},{"sentences":[{"text":"I do have another booking 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everything kind of stays the same, by making the investment changes, it will make a difference of around 186,000, which is","start":265.615,"end":279.03894,"sentiment":"neutral","sentiment_score":0.22770556040546475}],"sentiment":"neutral","sentiment_score":0.22770556040546475,"channel":0,"num_words":34,"start":265.615,"end":279.03894},{"sentences":[{"text":"Yep.","start":278.85895,"end":279.35895,"sentiment":"neutral","sentiment_score":0.26635339856147766}],"sentiment":"neutral","sentiment_score":0.26635339856147766,"channel":1,"num_words":1,"start":278.85895,"end":279.35895},{"sentences":[{"text":"pretty good.","start":279.03894,"end":279.85895,"sentiment":"neutral","sentiment_score":0.303786501288414}],"sentiment":"neutral","sentiment_score":0.303786501288414,"channel":0,"num_words":2,"start":279.03894,"end":279.85895}]},"summary":{"result":"success","short":"The customer and agent discuss a recommendation for the customer's investment strategy, which is to stay in Hub 24, which is cheaper and has more benefits than the current super funds. The agent explains that there are no changes to the customer's risk profile and that the investment will make a difference in their portfolio's return. The agent also emphasizes the importance of maintaining a low risk profile and mentions that the investment will make a difference in their portfolio's return."},"intents":{"segments":[{"text":"So after kind of going through all the research, I have made a recommendation. And what I have recommended for you is to stay in hub twenty four.","start_word":140,"end_word":167,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.1523875}]},{"text":"Now when you have a look at the this will all kind of be outlined to the recommendation from page 12. So it will kind of talk through the recommendation and how that puts you in a best better position.","start_word":349,"end_word":388,"intents":[{"intent":"Highlight recommendations","confidence_score":0.00641324}]}]},"sentiments":{"segments":[{"text":"Hello again? That's okay.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":-0.1111769750714302},{"text":"I passed the headset again. It's fucked up.","start_word":4,"end_word":11,"sentiment":"negative","sentiment_score":-0.6968486905097961},{"text":"That's okay, Adam. Basic basically, the recommendation Unless you unless you wanna talk to me probably another hour. I do have another booking then. So if you don't mind, I will try to make it quick quick for you, and we'll we'll see how we go.","start_word":12,"end_word":57,"sentiment":"neutral","sentiment_score":0.06090068817138672},{"text":"It is pretty straightforward.","start_word":58,"end_word":61,"sentiment":"positive","sentiment_score":0.4391759335994721},{"text":"There's not much changes. So when you have a look through the document, a lot of it is just the compliance to make sure that you are fully Yep. across everything. We've kind of touched on most of it last time, but, basically, I had a look at your super. I also looked at the SMA. Do you remember kind of talking briefly about that and seeing if that was going to be an option for you? Yeah. So after kind of going through all the research, I have made a recommendation. And what I have recommended for you is to stay in hub twenty four. So I looked at a lot of different super funds just to make sure Hub twenty four was still going to be the best option for you, Yep.","start_word":62,"end_word":195,"sentiment":"neutral","sentiment_score":0.17774955928325653},{"text":"and it very much is.","start_word":196,"end_word":200,"sentiment":"positive","sentiment_score":0.4765569567680359},{"text":"It's very competitive with pricing and the features The half and 20 everything fourth that of this, they is have. it? Yep.","start_word":201,"end_word":222,"sentiment":"neutral","sentiment_score":0.26443055272102356},{"text":"At the moment, it's great. I use Hub twenty four for my personal super as well, and it is quite competitive when we are looking at a similar option.","start_word":223,"end_word":251,"sentiment":"positive","sentiment_score":0.48226991295814514},{"text":"So at No. the What? moment, I have recommended staying in Hub 24. No. I haven't What? recommended the SMA because when I looked at the SMA, the SMA was going to be a little bit more expensive, and the performance Yep. wasn't as good as what I have recommended. So for the time being, what I have recommended, it is pretty simple. It's just just switching some of your investments out for other ones to try and reduce the fees and improve those returns a little bit.","start_word":252,"end_word":339,"sentiment":"neutral","sentiment_score":0.02430330403149128},{"text":"So it is pretty straightforward today.","start_word":340,"end_word":345,"sentiment":"positive","sentiment_score":0.39088931679725647},{"text":"No worries. Now when you have a look at the this will all kind of be outlined to the recommendation from page 12. So it will kind of talk through the recommendation and how that puts you in a best better position. It also Yep. kind of outlines some advantages in regards to it. So one of Yep.","start_word":346,"end_word":403,"sentiment":"neutral","sentiment_score":0.1629442850063587},{"text":"the really good advantages with the recommendation is that it's actually quite a bit cheaper than what you currently have just by making some changes for your investment.","start_word":404,"end_word":431,"sentiment":"positive","sentiment_score":0.44963201880455017},{"text":"Yep.","start_word":432,"end_word":432,"sentiment":"neutral","sentiment_score":0.30942219495773315},{"text":"So on a yearly basis, roughly, it will save you about $422 in fees alone, which is Yep. pretty good. It's pretty good. I'm happy with it.","start_word":433,"end_word":459,"sentiment":"positive","sentiment_score":0.5763025879859924},{"text":"So Yeah. Now with exactly.","start_word":460,"end_word":464,"sentiment":"neutral","sentiment_score":0.2611500918865204},{"text":"Well, if we can make it a little bit cheaper and give you a little bit more in there for you when you retire, that's good.","start_word":465,"end_word":490,"sentiment":"positive","sentiment_score":0.3703474700450897},{"text":"That's yeah. Exactly. Exactly. Now we're not making any changes to your risk profile, so it still stays within the high growth. So it will still continue to be aligned with your Yes. risk profile. And the good thing as well is with with the investment switches, the way that we have done it, it actually won't be any capital gains tax with the changes. You don't have to pay any tax on the investments we are No selling, worries.","start_word":491,"end_word":570,"sentiment":"neutral","sentiment_score":0.18856871128082275},{"text":"so that's really positive.","start_word":571,"end_word":574,"sentiment":"positive","sentiment_score":0.3990811109542846},{"text":"Something to be mindful of is, though, that there's, you know, there's always a level of risk associated with any investment option. So, obviously, something to be mindful of. Otherwise, when it actually comes to the return of the portfolio so when we are looking at a five year rolling average, so your current portfolio in Hub twenty four over a five year rolling I mean, we'll we'll try to get you we'll try to get you as close to that as we can, Adam. Now the the five, yeah, the five year rolling average on your current portfolio is about 6.474. And the recommended one, historically, is 13.79.","start_word":575,"end_word":683,"sentiment":"neutral","sentiment_score":0.06064243987202644},{"text":"So it's quite a bit outperformed your current option, which is really good.","start_word":684,"end_word":696,"sentiment":"positive","sentiment_score":0.5201969146728516},{"text":"Yep. And when we are looking about it at ten year time frame, assuming everything kind of stays the same, by making the investment changes, it will make a difference of around 186,000, which is Yep.","start_word":697,"end_word":732,"sentiment":"neutral","sentiment_score":0.2332787766224808},{"text":"pretty good.","start_word":733,"end_word":734,"sentiment":"positive","sentiment_score":0.7256781458854675}],"average":{"sentiment":"neutral","sentiment_score":0.1845822314503777}}}}