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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Beautiful. And just for security purposes, I do have a password on file. Do you know where that might be? Yep. Perfect. Now it sounds like you're driving at the moment. Is that right? Yep. Okay. Perfect. Now what I have done is I have just sent you an email with the actual recommendation. Now it is pretty straightforward. So if you are happy for me to do so, I will just kind of go through the main points. And then when you have a moment, obviously, later and it's safe to do so, just have a look through your emails. And if you don't have any questions, you can always give me a callback. Yeah. Perfect. Now like I said, it is pretty straightforward today. The document itself is about 25 pages, but most of it is just for compliance purposes just so that you fully understand everything. So every time we do make a recommendation, we have to put everything in that statement of advice just so that you do understand everything. On the cover page, you will see my details listed. You will see my authorized representative number, and I am licensed under OQ Financial. Now every time we do make a recommendation as well, Matthew, and act we have to always act in your best interest and making sure that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Beautiful. Now like I said, basically, this statement of advice, it is just focusing on your superannuation, just making sure we have everything set up the best way for you and reviewing under any underperforming investments. Basically, the focus, we're not really doing any changes in regards to insurances or anything else. It was literally just reviewing that super investment for you. Yeah. Perfect. Now we are not making any changes in regards to your risk profile either. During the annual review, you came out as that high growth investor, which is very suitable for where you are at in terms of how much time you have left until retirement, but also kind of what you are comfortable with and your focus of making sure we're trying to grow that super as much as possible before then. Now when you do have a moment, the recommendation is basically summarized on page 13. So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing. So what I have recommended for you, Matthew, is that we stay in hub twenty four and literally just change one investment and do a rebalance. So part of the research is also just making sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and features and stuff. So it is good to kind of reassess every now and then just to make sure it's still the best option for you. Like I said, at the for the time being, hub twenty four is very competitive when it comes to the fees and features and investment choices, but not making any changes there. Yep. Now what I have recommended, like I said, it is changing one investment. Now that is that Benelong investment I mentioned during the interview last time. Do you remember? Yeah. Perfect. So it is literally changing, a Benelon, which was underperforming a little bit for you for another option, which is for the BetaShares Australia 200. Now because we are changing one Australian investment, we wanted to make sure we still give you that exposure to the Australian market, but finding another option that was a little bit cheaper for you and was performing a little bit better. So I have recommended we change it to the beta shares. Now how that one is a little bit different is with your investment, if you remember, it's kind of managed fund where they're actively trying to buy and sell different investments in order to try to outperform the market. The difference with the BetaShares Australia 200 is that it is a little bit more kind of simplified in that it just tracks the 200 largest companies listed in Australia. So you have all the big banks and Woolworths and BHP, so all the big companies listed in Australia. And as the company kind of grows and gets bigger, it gets added to the 200, and something else kind of falls up. Does that make sense? Yeah. Perfect. So that is kind of the only change direct swap to your investment. Now what I have also recommended is just to do a rebalance of the portfolio. Basically, what that means so it's not changing the investments you do have. It is just kind of rebalancing them. So, basically, over time, you know, different investments do perform differently, which can cause, you know, your portfolio to kind of drift away a little bit from their intended asset allocation. So rebalancing basically just means that we are then selling any investments that we have a little bit too much exposure to, buying some that potentially we have a little bit less exposure to at the moment, and just kind of realigning everything back into the target allocation, which just kind of helps manage, you know, your risk profile and also, like, your goals and everything and making sure that everything stays aligned then becoming, you know, more or less risky than intended due to market fluctuations. Does that make sense, Matthew? Yeah. Perfect. So that is literally the only changes in regards to the investment. So when you have a look at the recommendation, this is all outlined on page 15 for you. So it might look a little bit messy, but it has all your investments. It also has the current weight that you have in it and then the current balance, so basically just how much you have in it. The next one is kind of like a buy and sell table. What's in red is what we are kind of selling. So Benelon, like I said, completely shifting. Some of the others is just selling, like, a list of it in it and just rebalancing. And then what's black is either what we are kind of buying and rebalancing into that as well. So that kind of makes probably more sense when you have a look at it. But but, for example, you can see when you have a look at it that with your gold at the moment, it's, like, 9.33. It's just rebalancing back to seven to aligning. IShares, you have about 34 at the moment, just rebalancing down to 30. So it's pretty straightforward, and it's just to kinda make sure we keep everything aligned and that we're not taking too much risk or or less risk kind of. Yep. Now what that actually looks like for you is summarized in that table as well. That shows you that by doing the investment change and rebalance, it will save you about $431 in fees because the Bennelong is a little bit more expensive than the a 200. So this is reducing those fees a little bit, which is nice. Now what it also does is it has actually when we're looking at a historical return, it also outperformed your current portfolio. So when we are looking at a five year rolling average, your current portfolio has gone about 10.01. The recommended over the same period of time is 12.02. So it's about 2.01% difference, which still kind of adds up when you do compound everything. Makes sense? Yep. Perfect. Now I have also included, with the returns as well, a twelve month, three year, five year, and ten year period, comparing the two options so that you can see it. And, again, across all time frames, the recommended has, outperformed your current one as well. And that's even though we're not making any drastic changes. Yep. Now one thing I do wanna let you know is that when we do make any changes to investments, so when we are selling investments, there will be some capital gains tax associated with it. So I've tried to minimize that as much as possible. Now with the capital gains tax, it's all taken care of and paid from within the super environment directly. So it's not something that you would have to pay for yourself or launching your tax return or anything like that. It's all just within the super environment. But I do wanna let you know that that is a a cost when you do make changes to the investment. So what it's estimated for, because it does obviously change with market fluctuations, is about 3 $108, which is not too bad given the the fee saving alone is about $431. And if I were to do a complete sell, so let's say change everything you have over, the capital gains tax would have been about 8,192. So, obviously, try to minimize that as much as possible, but that will be around that 380, if that makes sense. Yep. Perfect. Now I have then kind of compounded everything forward for five and ten years to show you what a little fee saving and improvement to the return might look like. Also, factoring in, obviously, that tax coming out. And even when we're looking at a five year period, again, compounding, you make a difference of about 48,229. So it does make a pretty big difference. Yeah. Perfect. There's no changes in regards to, obviously, your insurances. There is no changes, like I mentioned, in annual review in regards to that fee structure either. It stays exactly the same. There's no charges. If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super. So, basically, from here is, obviously, when you have a moment, just have a have a read through the document. If you have any questions, just give me a callback, and we can always go through everything. If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents. You can do it digitally sim similar to what you did for the under review. That then lets me know that you are happy to go ahead with the little investment change. It will automatically come back to me, and I will let the team know. Correct. Yes. So I'll get notified. Sorry. If you sign it, I'll get notified right away, and then I will let the team know that you've signed, and we'll go ahead and make that change for you. So, yeah, you don't need to call me. It's just if you have any questions or anything you wanna talk about. Yep. Perfect. Now, Matthew, do you have any questions in regards to any of that? No. No. Beautiful. Like I said, have a read through it. Any questions, let me know. Otherwise, I will keep a lookout for that email to come back. If there is anything, though, that you need at any point in time, don't hesitate to give me a call or send me an email. Okay? Beautiful. Well, thank you so much for your time today, Matthew, and I hope you enjoy the rest of your afternoon. Yes. Yes. Sorry. Let me just yes. Sorry. Let me check here for you. Is Jane there with you? Oh, hey. How are you? Yeah. Good. Thanks. Just wanna make sure for privacy. I don't say it say anything. Perfect. Now, Jane, just so that I can get into your account quickly, could you, just for security as well, just confirm your full name, date of birth, and address, please? Yeah. Beautiful. So, basically, because everything is very targeted to each client, and we wanna make sure we do the research. So what I can do is similar to what I did for Matthew is first go through an annual review, which is where we kind of go through a bit of a fact find, talk a little bit more about goals, different risk profiles. And then following that, I will do the research again similar to what I did for Matthew and kind of go through that with you if we also need to make any changes to your account. So while I have you on the phone, when I wish I could do it right now, but I do have another appointment. But when when is a good time for you? And I will book that in now while I do have you on the phone. And it preference on mornings or afternoons or pretty flexible. Okay. Let me have a look. Yep. So I can do so the rest of the week is pretty full, but I could do either Tuesday or Wednesday next week if either of those days suit. And would either of the yeah. Mhmm. Yeah. What time would work better for you? We're at eleven. Let me have a look. Yep. Perfect. I don't have anything booked, so that's perfect. So that is Wednesday, July 29 at 11AM. I will give you a call, send you some documents to kind of go through with your under review. It's not something you have to prepare for, but just to kind of go through everything with you, and then I'll do similar to what I did with Matthew, which is some preparing advice if we need to make any changes for you. Yep. No. That was very convenient that I had you on the phone because I do have here that we were about to call you since your interview is also up. So that was saves another call. Now if anything does change, Jayden, you can't make the appointment for for whatever reason, just send just send me an email or give the office a call, and we can always get that rescheduled. Yep. No problem. Well, I will give you a call on Wednesday, the twenty ninth at 11AM. And, Matthew, if you have any questions in regards to that advice, just just let me know. But, otherwise, I'll keep a lookout for that email. No problem at all. Thank you so much, guys, and I look forward to speaking with you both soon again. No worries. Speak soon. 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afternoon. This is Matthew. Yeah. Good. It's Veronica from Financial again.\n\nNo. All good. Do you have a little bit of time for me now? Yeah. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Beautiful. And just for security purposes, I do have a password on file. Do you know where that might be? Yep.\n\nPerfect. Now it sounds like you're driving at the moment. Is that right? Yep. Okay.\n\nPerfect. Now what I have done is I have just sent you an email with the actual recommendation. Now it is pretty straightforward. So if you are happy for me to do so, I will just kind of go through the main points. And then when you have a moment, obviously, later and it's safe to do so, just have a look through your emails.\n\nAnd if you don't have any questions, you can always give me a callback. Yeah. Perfect. Now like I said, it is pretty straightforward today. The document itself is about 25 pages, but most of it is just for compliance purposes just so that you fully understand everything.\n\nSo every time we do make a recommendation, we have to put everything in that statement of advice just so that you do understand everything. On the cover page, you will see my details listed. You will see my authorized representative number, and I am licensed under OQ Financial. Now every time we do make a recommendation as well, Matthew, and act we have to always act in your best interest and making sure that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation.\n\nDoes that make sense? Yep. Beautiful. Now like I said, basically, this statement of advice, it is just focusing on your superannuation, just making sure we have everything set up the best way for you and reviewing under any underperforming investments. Basically, the focus, we're not really doing any changes in regards to insurances or anything else.\n\nIt was literally just reviewing that super investment for you. Yeah. Perfect. Now we are not making any changes in regards to your risk profile either. During the annual review, you came out as that high growth investor, which is very suitable for where you are at in terms of how much time you have left until retirement, but also kind of what you are comfortable with and your focus of making sure we're trying to grow that super as much as possible before then.\n\nNow when you do have a moment, the recommendation is basically summarized on page 13. So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing. So what I have recommended for you, Matthew, is that we stay in hub twenty four and literally just change one investment and do a rebalance. So part of the research is also just making sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and features and stuff. So it is good to kind of reassess every now and then just to make sure it's still the best option for you.\n\nLike I said, at the for the time being, hub twenty four is very competitive when it comes to the fees and features and investment choices, but not making any changes there. Yep. Now what I have recommended, like I said, it is changing one investment. Now that is that Benelong investment I mentioned during the interview last time. Do you remember?\n\nYeah. Perfect. So it is literally changing, a Benelon, which was underperforming a little bit for you for another option, which is for the BetaShares Australia 200. Now because we are changing one Australian investment, we wanted to make sure we still give you that exposure to the Australian market, but finding another option that was a little bit cheaper for you and was performing a little bit better. So I have recommended we change it to the beta shares.\n\nNow how that one is a little bit different is with your investment, if you remember, it's kind of managed fund where they're actively trying to buy and sell different investments in order to try to outperform the market. The difference with the BetaShares Australia 200 is that it is a little bit more kind of simplified in that it just tracks the 200 largest companies listed in Australia. So you have all the big banks and Woolworths and BHP, so all the big companies listed in Australia. And as the company kind of grows and gets bigger, it gets added to the 200, and something else kind of falls up. Does that make sense?\n\nYeah. Perfect. So that is kind of the only change direct swap to your investment. Now what I have also recommended is just to do a rebalance of the portfolio. Basically, what that means so it's not changing the investments you do have.\n\nIt is just kind of rebalancing them. So, basically, over time, you know, different investments do perform differently, which can cause, you know, your portfolio to kind of drift away a little bit from their intended asset allocation. So rebalancing basically just means that we are then selling any investments that we have a little bit too much exposure to, buying some that potentially we have a little bit less exposure to at the moment, and just kind of realigning everything back into the target allocation, which just kind of helps manage, you know, your risk profile and also, like, your goals and everything and making sure that everything stays aligned then becoming, you know, more or less risky than intended due to market fluctuations. Does that make sense, Matthew? Yeah.\n\nPerfect. So that is literally the only changes in regards to the investment. So when you have a look at the recommendation, this is all outlined on page 15 for you. So it might look a little bit messy, but it has all your investments. It also has the current weight that you have in it and then the current balance, so basically just how much you have in it.\n\nThe next one is kind of like a buy and sell table. What's in red is what we are kind of selling. So Benelon, like I said, completely shifting. Some of the others is just selling, like, a list of it in it and just rebalancing. And then what's black is either what we are kind of buying and rebalancing into that as well.\n\nSo that kind of makes probably more sense when you have a look at it. But but, for example, you can see when you have a look at it that with your gold at the moment, it's, like, 9.33. It's just rebalancing back to seven to aligning. IShares, you have about 34 at the moment, just rebalancing down to 30. So it's pretty straightforward, and it's just to kinda make sure we keep everything aligned and that we're not taking too much risk or or less risk kind of.\n\nYep. Now what that actually looks like for you is summarized in that table as well. That shows you that by doing the investment change and rebalance, it will save you about $431 in fees because the Bennelong is a little bit more expensive than the a 200. So this is reducing those fees a little bit, which is nice. Now what it also does is it has actually when we're looking at a historical return, it also outperformed your current portfolio.\n\nSo when we are looking at a five year rolling average, your current portfolio has gone about 10.01. The recommended over the same period of time is 12.02. So it's about 2.01% difference, which still kind of adds up when you do compound everything. Makes sense? Yep.\n\nPerfect. Now I have also included, with the returns as well, a twelve month, three year, five year, and ten year period, comparing the two options so that you can see it. And, again, across all time frames, the recommended has, outperformed your current one as well. And that's even though we're not making any drastic changes. Yep.\n\nNow one thing I do wanna let you know is that when we do make any changes to investments, so when we are selling investments, there will be some capital gains tax associated with it. So I've tried to minimize that as much as possible. Now with the capital gains tax, it's all taken care of and paid from within the super environment directly. So it's not something that you would have to pay for yourself or launching your tax return or anything like that. It's all just within the super environment.\n\nBut I do wanna let you know that that is a a cost when you do make changes to the investment. So what it's estimated for, because it does obviously change with market fluctuations, is about 3 $108, which is not too bad given the the fee saving alone is about $431. And if I were to do a complete sell, so let's say change everything you have over, the capital gains tax would have been about 8,192. So, obviously, try to minimize that as much as possible, but that will be around that 380, if that makes sense. Yep.\n\nPerfect. Now I have then kind of compounded everything forward for five and ten years to show you what a little fee saving and improvement to the return might look like. Also, factoring in, obviously, that tax coming out. And even when we're looking at a five year period, again, compounding, you make a difference of about 48,229. So it does make a pretty big difference.\n\nYeah. Perfect. There's no changes in regards to, obviously, your insurances. There is no changes, like I mentioned, in annual review in regards to that fee structure either. It stays exactly the same.\n\nThere's no charges. If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super. So, basically, from here is, obviously, when you have a moment, just have a have a read through the document. If you have any questions, just give me a callback, and we can always go through everything. If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents.\n\nYou can do it digitally sim similar to what you did for the under review. That then lets me know that you are happy to go ahead with the little investment change. It will automatically come back to me, and I will let the team know. Correct. Yes.\n\nSo I'll get notified. Sorry. If you sign it, I'll get notified right away, and then I will let the team know that you've signed, and we'll go ahead and make that change for you. So, yeah, you don't need to call me. It's just if you have any questions or anything you wanna talk about.\n\nYep. Perfect. Now, Matthew, do you have any questions in regards to any of that? No. No.\n\nBeautiful. Like I said, have a read through it. Any questions, let me know. Otherwise, I will keep a lookout for that email to come back. If there is anything, though, that you need at any point in time, don't hesitate to give me a call or send me an email.\n\nOkay? Beautiful. Well, thank you so much for your time today, Matthew, and I hope you enjoy the rest of your afternoon. Yes. Yes.\n\nSorry. Let me just yes. Sorry. Let me check here for you. Is Jane there with you?\n\nOh, hey. How are you? Yeah. Good. Thanks.\n\nJust wanna make sure for privacy. I don't say it say anything. Perfect. Now, Jane, just so that I can get into your account quickly, could you, just for security as well, just confirm your full name, date of birth, and address, please? Yeah.\n\nBeautiful. So, basically, because everything is very targeted to each client, and we wanna make sure we do the research. So what I can do is similar to what I did for Matthew is first go through an annual review, which is where we kind of go through a bit of a fact find, talk a little bit more about goals, different risk profiles. And then following that, I will do the research again similar to what I did for Matthew and kind of go through that with you if we also need to make any changes to your account. So while I have you on the phone, when I wish I could do it right now, but I do have another appointment.\n\nBut when when is a good time for you? And I will book that in now while I do have you on the phone. And it preference on mornings or afternoons or pretty flexible. Okay. Let me have a look.\n\nYep. So I can do so the rest of the week is pretty full, but I could do either Tuesday or Wednesday next week if either of those days suit. And would either of the yeah. Mhmm. Yeah.\n\nWhat time would work better for you? We're at eleven. Let me have a look. Yep. Perfect.\n\nI don't have anything booked, so that's perfect. So that is Wednesday, July 29 at 11AM. I will give you a call, send you some documents to kind of go through with your under review. It's not something you have to prepare for, but just to kind of go through everything with you, and then I'll do similar to what I did with Matthew, which is some preparing advice if we need to make any changes for you. Yep.\n\nNo. That was very convenient that I had you on the phone because I do have here that we were about to call you since your interview is also up. So that was saves another call. Now if anything does change, Jayden, you can't make the appointment for for whatever reason, just send just send me an email or give the office a call, and we can always get that rescheduled. Yep.\n\nNo problem. Well, I will give you a call on Wednesday, the twenty ninth at 11AM. And, Matthew, if you have any questions in regards to that advice, just just let me know. But, otherwise, I'll keep a lookout for that email. No problem at all.\n\nThank you so much, guys, and I look forward to speaking with you both soon again. No worries. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.24,"sentiment":"neutral","sentiment_score":0.26552730053663254},{"text":"This is Matthew.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.14705753326416016},{"text":"Yeah.","start":5.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.1657653450965881},{"text":"Good.","start":5.44,"end":5.68,"sentiment":"positive","sentiment_score":0.35381069779396057},{"text":"It's Veronica from Financial again.","start":5.68,"end":8.02,"sentiment":"neutral","sentiment_score":0.17548103332519532}],"sentiment":"neutral","sentiment_score":0.19743403419852257,"num_words":12,"start":1.52,"end":8.02},{"sentences":[{"text":"No.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":-0.1046595573425293},{"text":"All good.","start":11.36,"end":12.179999,"sentiment":"neutral","sentiment_score":0.08924640342593193},{"text":"Do you have a little bit of time for me 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25 pages, but most of it is just for compliance purposes just so that you fully understand everything.","start":74.485,"end":82.105,"sentiment":"neutral","sentiment_score":0.15487791792206143}],"sentiment":"neutral","sentiment_score":0.15241370218185088,"num_words":48,"start":63.03,"end":82.105},{"sentences":[{"text":"So every time we do make a recommendation, we have to put everything in that statement of advice just so that you do understand everything.","start":82.799995,"end":90.659996,"sentiment":"neutral","sentiment_score":0.12956352889537812},{"text":"On the cover page, you will see my details listed.","start":92.0,"end":95.314995,"sentiment":"neutral","sentiment_score":0.06050388887524605},{"text":"You will see my authorized representative number, and I am licensed under OQ Financial.","start":95.695,"end":100.994995,"sentiment":"neutral","sentiment_score":0.07514202860849244},{"text":"Now every time we do make a recommendation as well, Matthew, and act we have to always act in your best interest and making sure that the advice itself has to put you in a better position as a result of the advice.","start":102.735,"end":115.77,"sentiment":"neutral","sentiment_score":0.08787126613910808},{"text":"Otherwise, we can't actually make the recommendation.","start":115.829994,"end":118.009995,"sentiment":"neutral","sentiment_score":-0.13989685688699996}],"sentiment":"neutral","sentiment_score":0.07773032280230763,"num_words":99,"start":82.799995,"end":118.009995},{"sentences":[{"text":"Does that make sense?","start":118.39,"end":119.45,"sentiment":"neutral","sentiment_score":0.027778243646025658},{"text":"Yep.","start":120.63,"end":121.13,"sentiment":"neutral","sentiment_score":0.10304445028305054},{"text":"Beautiful.","start":121.189995,"end":121.689995,"sentiment":"neutral","sentiment_score":0.20500525832176208},{"text":"Now like I said, basically, this statement of advice, it is just focusing on your superannuation, just making sure we have everything set up the best way for you and reviewing under any underperforming investments.","start":122.46999,"end":136.255,"sentiment":"neutral","sentiment_score":0.16261643916368484},{"text":"Basically, the focus, we're not really doing any changes in regards to insurances or anything else.","start":136.99,"end":143.23,"sentiment":"neutral","sentiment_score":-0.04713799129240215}],"sentiment":"neutral","sentiment_score":0.09397421391648159,"num_words":57,"start":118.39,"end":143.23},{"sentences":[{"text":"It was literally just reviewing that super investment for you.","start":143.23,"end":146.61,"sentiment":"neutral","sentiment_score":0.1251983515918255},{"text":"Yeah.","start":147.79001,"end":148.19,"sentiment":"positive","sentiment_score":0.3928186893463135},{"text":"Perfect.","start":148.19,"end":148.69,"sentiment":"positive","sentiment_score":0.6412537097930908},{"text":"Now we are not making any changes in regards to your risk profile either.","start":149.355,"end":154.335,"sentiment":"neutral","sentiment_score":-0.03012288042477199},{"text":"During the annual review, you came out as that high growth investor, which is very suitable for where you are at in terms of how much time you have left until retirement, but also kind of what you are comfortable with and your focus of making sure we're trying to grow that super as much as possible before then.","start":154.715,"end":171.09,"sentiment":"neutral","sentiment_score":0.3140749926284208}],"sentiment":"neutral","sentiment_score":0.23993835475514916,"num_words":85,"start":143.23,"end":171.09},{"sentences":[{"text":"Now when you do have a moment, the recommendation is basically summarized on page 13.","start":173.47,"end":180.895,"sentiment":"neutral","sentiment_score":0.17490373055140176},{"text":"So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing.","start":181.595,"end":190.015,"sentiment":"neutral","sentiment_score":0.20064174316146158},{"text":"So what I have recommended for you, Matthew, is that we stay in hub twenty four and literally just change one investment and do a rebalance.","start":190.555,"end":199.49,"sentiment":"neutral","sentiment_score":0.2358694661122102},{"text":"So part of the research is also just making sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and features and stuff.","start":200.59001,"end":211.515,"sentiment":"neutral","sentiment_score":0.29695553554070964},{"text":"So it is good to kind of reassess every now and then just to make sure it's still the best option for you.","start":211.575,"end":217.355,"sentiment":"neutral","sentiment_score":0.33057168773982837}],"sentiment":"neutral","sentiment_score":0.25349136742193307,"num_words":134,"start":173.47,"end":217.355},{"sentences":[{"text":"Like I said, at the for the time being, hub twenty four is very competitive when it comes to the fees and features and investment choices, but not making any changes there.","start":217.64,"end":227.26,"sentiment":"neutral","sentiment_score":0.2612372925505042},{"text":"Yep.","start":228.52,"end":229.02,"sentiment":"neutral","sentiment_score":0.14606070518493652},{"text":"Now what I have recommended, like I said, it is changing one investment.","start":229.31999,"end":234.615,"sentiment":"neutral","sentiment_score":0.1518938163152108},{"text":"Now that is that Benelong investment I mentioned during the interview last time.","start":235.475,"end":240.355,"sentiment":"neutral","sentiment_score":0.1553063472876182},{"text":"Do you remember?","start":240.355,"end":241.175,"sentiment":"neutral","sentiment_score":0.05840358262260755}],"sentiment":"neutral","sentiment_score":0.20442688615331728,"num_words":62,"start":217.64,"end":241.175},{"sentences":[{"text":"Yeah.","start":243.09,"end":243.56999,"sentiment":"neutral","sentiment_score":0.21926233172416687},{"text":"Perfect.","start":243.56999,"end":244.05,"sentiment":"neutral","sentiment_score":0.005990488454699516},{"text":"So it is literally changing, a Benelon, which was underperforming a little bit for you for another option, which is for the BetaShares Australia 200.","start":244.05,"end":255.11,"sentiment":"neutral","sentiment_score":-0.023592623807489874},{"text":"Now because we are changing one Australian investment, we wanted to make sure we still give you that exposure to the Australian market, but finding another option that was a little bit cheaper for you and was performing a little bit better.","start":255.675,"end":268.975,"sentiment":"neutral","sentiment_score":0.17617807173657984},{"text":"So I have recommended we change it to the beta shares.","start":269.435,"end":272.72,"sentiment":"neutral","sentiment_score":0.25701202045787463}],"sentiment":"neutral","sentiment_score":0.12327560578705743,"num_words":80,"start":243.09,"end":272.72},{"sentences":[{"text":"Now how that one is a little bit different is with your investment, if you remember, it's kind of managed fund where they're actively trying to buy and sell different investments in order to try to outperform the market.","start":272.72,"end":286.335,"sentiment":"neutral","sentiment_score":0.1311741989965622},{"text":"The difference with the BetaShares Australia 200 is that it is a little bit more kind of simplified in that it just tracks the 200 largest companies listed in Australia.","start":287.195,"end":298.49,"sentiment":"neutral","sentiment_score":0.10312971485157808},{"text":"So you have all the big banks and Woolworths and BHP, so all the big companies listed in Australia.","start":299.51,"end":304.72998,"sentiment":"neutral","sentiment_score":0.13170599192380905},{"text":"And as the company kind of grows and gets bigger, it gets added to the 200, and something else kind of falls up.","start":304.79,"end":310.385,"sentiment":"neutral","sentiment_score":-0.014933415405128313},{"text":"Does that make sense?","start":310.385,"end":311.525,"sentiment":"neutral","sentiment_score":0.1108031664043665}],"sentiment":"neutral","sentiment_score":0.09401602751534918,"num_words":115,"start":272.72,"end":311.525},{"sentences":[{"text":"Yeah.","start":312.785,"end":313.265,"sentiment":"positive","sentiment_score":0.3922586739063263},{"text":"Perfect.","start":313.265,"end":313.765,"sentiment":"positive","sentiment_score":0.652906596660614},{"text":"So that is kind of the only change direct swap to your investment.","start":314.545,"end":319.125,"sentiment":"positive","sentiment_score":0.3521990065391247},{"text":"Now what I have also recommended is just to do a rebalance of the portfolio.","start":319.985,"end":325.68,"sentiment":"neutral","sentiment_score":0.05338158334294955},{"text":"Basically, what that means so it's not changing the investments you do have.","start":327.18,"end":331.04,"sentiment":"neutral","sentiment_score":-0.040413181154200666}],"sentiment":"neutral","sentiment_score":0.137188482574772,"num_words":43,"start":312.785,"end":331.04},{"sentences":[{"text":"It is just kind of rebalancing them.","start":331.1,"end":333.58,"sentiment":"neutral","sentiment_score":-0.02323728267635618},{"text":"So, basically, over time, you know, different investments do perform differently, which can cause, you know, your portfolio to kind of drift away a little bit from their intended asset allocation.","start":333.58,"end":345.245,"sentiment":"neutral","sentiment_score":-0.2002537200047124},{"text":"So rebalancing basically just means that we are then selling any investments that we have a little bit too much exposure to, buying some that potentially we have a little bit less exposure to at the moment, and just kind of realigning everything back into the target allocation, which just kind of helps manage, you know, your risk profile and also, like, your goals and everything and making sure that everything stays aligned then becoming, you know, more or less risky than intended due to market fluctuations.","start":346.185,"end":377.385,"sentiment":"neutral","sentiment_score":0.06390958236551833},{"text":"Does that make sense, Matthew?","start":377.765,"end":379.14502,"sentiment":"neutral","sentiment_score":0.07401287704706191},{"text":"Yeah.","start":380.58,"end":380.97998,"sentiment":"positive","sentiment_score":0.39653903245925903}],"sentiment":"neutral","sentiment_score":-0.0003342688197398004,"num_words":131,"start":331.1,"end":380.97998},{"sentences":[{"text":"Perfect.","start":380.97998,"end":381.46,"sentiment":"positive","sentiment_score":0.6167120933532715},{"text":"So that is literally the only changes in regards to the investment.","start":381.46,"end":384.76,"sentiment":"neutral","sentiment_score":0.2949227032562097},{"text":"So when you have a look at the recommendation, this is all outlined on page 15 for you.","start":384.97998,"end":391.32,"sentiment":"neutral","sentiment_score":0.2361630615260866},{"text":"So it might look a little bit messy, but it has all your investments.","start":391.38,"end":394.6,"sentiment":"neutral","sentiment_score":0.1339728677911418},{"text":"It also has the current weight that you have in it and then the current balance, so basically just how much you have in it.","start":395.01498,"end":402.475,"sentiment":"neutral","sentiment_score":0.1448354721069336}],"sentiment":"neutral","sentiment_score":0.19861752273780958,"num_words":70,"start":380.97998,"end":402.475},{"sentences":[{"text":"The next one is kind of like a buy and sell table.","start":403.095,"end":405.915,"sentiment":"neutral","sentiment_score":0.03092115605250001},{"text":"What's in red is what we are kind of selling.","start":406.535,"end":409.56,"sentiment":"neutral","sentiment_score":0.0029064698144793512},{"text":"So Benelon, like I said, completely shifting.","start":409.62003,"end":411.96002,"sentiment":"neutral","sentiment_score":0.03913973165409906},{"text":"Some of the others is just selling, like, a list of it in it and just rebalancing.","start":412.34003,"end":416.52002,"sentiment":"neutral","sentiment_score":0.03647754823460298},{"text":"And then what's black is either what we are kind of buying and rebalancing into that as well.","start":416.90002,"end":422.725,"sentiment":"neutral","sentiment_score":-0.06313773203227255}],"sentiment":"neutral","sentiment_score":0.0024646224337629974,"num_words":64,"start":403.095,"end":422.725},{"sentences":[{"text":"So that kind of makes probably more sense when you have a look at it.","start":422.725,"end":426.025,"sentiment":"neutral","sentiment_score":0.0583148809770743},{"text":"But but, for example, you can see when you have a look at it that with your gold at the moment, it's, like, 9.33.","start":427.365,"end":435.90997,"sentiment":"neutral","sentiment_score":0.10056149587035179},{"text":"It's just rebalancing back to seven to aligning.","start":435.90997,"end":438.72998,"sentiment":"neutral","sentiment_score":0.13399207685142756},{"text":"IShares, you have about 34 at the moment, just rebalancing down to 30.","start":439.59,"end":443.75,"sentiment":"neutral","sentiment_score":0.15877473297027442},{"text":"So it's pretty straightforward, and it's just to kinda make sure we keep everything aligned and that we're not taking too much risk or or less risk kind of.","start":443.75,"end":451.915,"sentiment":"neutral","sentiment_score":0.22817621868232202}],"sentiment":"neutral","sentiment_score":0.1465316584354706,"num_words":89,"start":422.725,"end":451.915},{"sentences":[{"text":"Yep.","start":453.17502,"end":453.67502,"sentiment":"neutral","sentiment_score":0.20157846808433533},{"text":"Now what that actually looks like for you is summarized in that table as well.","start":454.055,"end":461.015,"sentiment":"neutral","sentiment_score":0.20846143861611685},{"text":"That shows you that by doing the investment change and rebalance, it will save you about $431 in fees because the Bennelong is a little bit more expensive than the a 200.","start":461.015,"end":476.36,"sentiment":"positive","sentiment_score":0.37411868502385914},{"text":"So this is reducing those fees a little bit, which is nice.","start":477.015,"end":480.23502,"sentiment":"positive","sentiment_score":0.7678205817937851},{"text":"Now what it also does is it has actually when we're looking at a historical return, it also outperformed your current portfolio.","start":481.015,"end":489.675,"sentiment":"positive","sentiment_score":0.5201213251460682}],"sentiment":"positive","sentiment_score":0.4384977329613232,"num_words":82,"start":453.17502,"end":489.675},{"sentences":[{"text":"So when we are looking at a five year rolling average, your current portfolio has gone about 10.01.","start":490.62,"end":498.88,"sentiment":"neutral","sentiment_score":0.2990646817617946},{"text":"The recommended over the same period of time is 12.02.","start":499.9,"end":505.6,"sentiment":"neutral","sentiment_score":0.15499661043286322},{"text":"So it's about 2.01% difference, which still kind of adds up when you do compound everything.","start":505.865,"end":511.405,"sentiment":"neutral","sentiment_score":0.18789808079600334},{"text":"Makes sense?","start":513.385,"end":514.125,"sentiment":"neutral","sentiment_score":0.16059045493602753},{"text":"Yep.","start":515.145,"end":515.545,"sentiment":"positive","sentiment_score":0.3539045751094818}],"sentiment":"neutral","sentiment_score":0.22584223731401118,"num_words":47,"start":490.62,"end":515.545},{"sentences":[{"text":"Perfect.","start":515.545,"end":516.045,"sentiment":"positive","sentiment_score":0.666394054889679},{"text":"Now I have also included, with the returns as well, a twelve month, three year, five year, and ten year period, comparing the two options so that you can see it.","start":516.105,"end":526.47,"sentiment":"positive","sentiment_score":0.35065722465515137},{"text":"And, again, across all time frames, the recommended has, outperformed your current one as well.","start":526.69,"end":531.97,"sentiment":"positive","sentiment_score":0.565468414624532},{"text":"And that's even though we're not making any drastic changes.","start":531.97,"end":534.55,"sentiment":"neutral","sentiment_score":0.172821307182312},{"text":"Yep.","start":536.34503,"end":536.825,"sentiment":"neutral","sentiment_score":0.1401173621416092}],"sentiment":"positive","sentiment_score":0.37736421849193247,"num_words":58,"start":515.545,"end":536.825},{"sentences":[{"text":"Now one thing I do wanna let you know is that when we do make any changes to investments, so when we are selling investments, there will be some capital gains tax associated with it.","start":536.825,"end":549.81,"sentiment":"neutral","sentiment_score":0.04063559823802539},{"text":"So I've tried to minimize that as much as possible.","start":550.29,"end":553.43,"sentiment":"neutral","sentiment_score":0.0637671135365963},{"text":"Now with the capital gains tax, it's all taken care of and paid from within the super environment directly.","start":553.49,"end":559.67,"sentiment":"neutral","sentiment_score":0.178793991082593},{"text":"So it's not something that you would have to pay for yourself or launching your tax return or anything like that.","start":560.05,"end":564.875,"sentiment":"neutral","sentiment_score":0.09994342994122278},{"text":"It's all just within the super environment.","start":564.875,"end":567.21497,"sentiment":"neutral","sentiment_score":0.17326377119336808}],"sentiment":"neutral","sentiment_score":0.09531153621071059,"num_words":92,"start":536.825,"end":567.21497},{"sentences":[{"text":"But I do wanna let you know that that is a a cost when you do make changes to the investment.","start":567.595,"end":573.615,"sentiment":"neutral","sentiment_score":0.10711084519113813},{"text":"So what it's estimated for, because it does obviously change with market fluctuations, is about 3 $108, which is not too bad given the the fee saving alone is about $431.","start":574.15497,"end":588.89996,"sentiment":"neutral","sentiment_score":0.23691686777578247},{"text":"And if I were to do a complete sell, so let's say change everything you have over, the capital gains tax would have been about 8,192.","start":589.27997,"end":599.255,"sentiment":"neutral","sentiment_score":-0.027817379862356644},{"text":"So, obviously, try to minimize that as much as possible, but that will be around that 380, if that makes sense.","start":599.255,"end":605.835,"sentiment":"neutral","sentiment_score":0.03112296165809745},{"text":"Yep.","start":607.25,"end":607.73,"sentiment":"positive","sentiment_score":0.35150155425071716}],"sentiment":"neutral","sentiment_score":0.09875582522712648,"num_words":100,"start":567.595,"end":607.73},{"sentences":[{"text":"Perfect.","start":607.73,"end":608.23,"sentiment":"positive","sentiment_score":0.7438865900039673},{"text":"Now I have then kind of compounded everything forward for five and ten years to show you what a little fee saving and improvement to the return might look like.","start":608.61,"end":618.015,"sentiment":"positive","sentiment_score":0.6185331185658772},{"text":"Also, factoring in, obviously, that tax coming out.","start":618.495,"end":621.235,"sentiment":"neutral","sentiment_score":0.32867806777358055},{"text":"And even when we're looking at a five year period, again, compounding, you make a difference of about 48,229.","start":621.775,"end":630.655,"sentiment":"positive","sentiment_score":0.389111716496317},{"text":"So it does make a pretty big difference.","start":630.655,"end":632.59503,"sentiment":"positive","sentiment_score":0.5974609926342964}],"sentiment":"positive","sentiment_score":0.5166987158132322,"num_words":66,"start":607.73,"end":632.59503},{"sentences":[{"text":"Yeah.","start":634.24,"end":634.74,"sentiment":"positive","sentiment_score":0.445699006319046},{"text":"Perfect.","start":634.8,"end":635.3,"sentiment":"positive","sentiment_score":0.6841444969177246},{"text":"There's no changes in regards to, obviously, your insurances.","start":635.92,"end":638.9,"sentiment":"neutral","sentiment_score":0.32729807164933944},{"text":"There is no changes, like I mentioned, in annual review in regards to that fee structure either.","start":639.04,"end":643.78,"sentiment":"positive","sentiment_score":0.37851541357881885},{"text":"It stays exactly the same.","start":644.08,"end":646.0,"sentiment":"positive","sentiment_score":0.5572943329811096}],"sentiment":"positive","sentiment_score":0.40293211647958466,"num_words":33,"start":634.24,"end":646.0},{"sentences":[{"text":"There's no charges.","start":646.0,"end":648.375,"sentiment":"positive","sentiment_score":0.4258720775445302},{"text":"If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super.","start":648.375,"end":660.235,"sentiment":"positive","sentiment_score":0.5614530835300684},{"text":"So, basically, from here is, obviously, when you have a moment, just have a have a read through the document.","start":662.16,"end":668.01996,"sentiment":"neutral","sentiment_score":0.17435959950089455},{"text":"If you have any questions, just give me a callback, and we can always go through everything.","start":668.56,"end":673.22,"sentiment":"neutral","sentiment_score":0.1664382626905161},{"text":"If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents.","start":673.76,"end":681.895,"sentiment":"positive","sentiment_score":0.4151681376000245}],"sentiment":"positive","sentiment_score":0.3700499235807608,"num_words":96,"start":646.0,"end":681.895},{"sentences":[{"text":"You can do it digitally sim similar to what you did for the under review.","start":681.895,"end":685.275,"sentiment":"neutral","sentiment_score":0.274402462442716},{"text":"That then lets me know that you are happy to go ahead with the little investment change.","start":685.495,"end":689.495,"sentiment":"positive","sentiment_score":0.6410737686297473},{"text":"It will automatically come back to me, and I will let the team know.","start":689.73505,"end":693.59503,"sentiment":"positive","sentiment_score":0.43116012641361784},{"text":"Correct.","start":699.29,"end":699.69,"sentiment":"neutral","sentiment_score":0.19980761408805847},{"text":"Yes.","start":699.69,"end":700.01,"sentiment":"neutral","sentiment_score":0.1812344193458557}],"sentiment":"positive","sentiment_score":0.44649114180356264,"num_words":48,"start":681.895,"end":700.01},{"sentences":[{"text":"So I'll get notified.","start":700.01,"end":701.23,"sentiment":"neutral","sentiment_score":0.16218574345111847},{"text":"Sorry.","start":701.53,"end":701.93,"sentiment":"neutral","sentiment_score":0.02145516127347946},{"text":"If you sign it, I'll get notified right away, and then I will let the team know that you've signed, and we'll go ahead and make that change for you.","start":701.93,"end":710.4017,"sentiment":"neutral","sentiment_score":0.11581962083776792},{"text":"So, yeah, you don't need to call me.","start":710.4017,"end":710.5083,"sentiment":"neutral","sentiment_score":0.16297901794314384},{"text":"It's just if you have any questions or anything you wanna talk about.","start":710.5083,"end":713.275,"sentiment":"neutral","sentiment_score":0.1511323434802202}],"sentiment":"neutral","sentiment_score":0.1323810601606965,"num_words":56,"start":700.01,"end":713.275},{"sentences":[{"text":"Yep.","start":714.935,"end":715.335,"sentiment":"neutral","sentiment_score":0.23118028044700625},{"text":"Perfect.","start":715.335,"end":715.835,"sentiment":"positive","sentiment_score":0.547139585018158},{"text":"Now, Matthew, do you have any questions in regards to any of that?","start":715.895,"end":719.115,"sentiment":"neutral","sentiment_score":0.13476269921431175},{"text":"No.","start":721.43,"end":721.75,"sentiment":"neutral","sentiment_score":-0.03259613364934921},{"text":"No.","start":721.75,"end":722.15,"sentiment":"neutral","sentiment_score":0.040052756667137146}],"sentiment":"neutral","sentiment_score":0.1492759751922944,"num_words":17,"start":714.935,"end":722.15},{"sentences":[{"text":"Beautiful.","start":722.15,"end":722.65,"sentiment":"positive","sentiment_score":0.33434057235717773},{"text":"Like I said, have a read through it.","start":723.99,"end":725.91003,"sentiment":"neutral","sentiment_score":0.20545178651809692},{"text":"Any questions, let me know.","start":725.91003,"end":727.35004,"sentiment":"neutral","sentiment_score":0.15088269859552383},{"text":"Otherwise, I will keep a lookout for that email to come back.","start":727.35004,"end":730.81,"sentiment":"neutral","sentiment_score":0.14191206420461336},{"text":"If there is anything, though, that you need at any point in time, don't hesitate to give me a call or send me an email.","start":731.03,"end":737.20496,"sentiment":"neutral","sentiment_score":0.06610333852469921}],"sentiment":"neutral","sentiment_score":0.11937052139318456,"num_words":51,"start":722.15,"end":737.20496},{"sentences":[{"text":"Okay?","start":737.20496,"end":737.70496,"sentiment":"neutral","sentiment_score":0.05215337872505188},{"text":"Beautiful.","start":739.845,"end":740.345,"sentiment":"positive","sentiment_score":0.575340747833252},{"text":"Well, thank you so much for your time today, Matthew, and I hope you enjoy the rest of your afternoon.","start":740.485,"end":744.50494,"sentiment":"positive","sentiment_score":0.6571448028087616},{"text":"Yes.","start":746.64496,"end":747.14496,"sentiment":"neutral","sentiment_score":0.04998378828167915},{"text":"Yes.","start":750.98,"end":751.38,"sentiment":"neutral","sentiment_score":0.008175359107553959}],"sentiment":"positive","sentiment_score":0.5761895554217821,"num_words":24,"start":737.20496,"end":751.38},{"sentences":[{"text":"Sorry.","start":751.38,"end":751.77997,"sentiment":"neutral","sentiment_score":-0.01631801575422287},{"text":"Let me just yes.","start":751.77997,"end":757.48,"sentiment":"neutral","sentiment_score":-0.016080223605968058},{"text":"Sorry.","start":757.7,"end":758.2,"sentiment":"neutral","sentiment_score":-0.007548969238996506},{"text":"Let me check here for you.","start":759.555,"end":761.975,"sentiment":"neutral","sentiment_score":0.010080793406814337},{"text":"Is Jane there with you?","start":762.995,"end":765.175,"sentiment":"neutral","sentiment_score":0.015059316903352738}],"sentiment":"neutral","sentiment_score":0.0027996156200328294,"num_words":17,"start":751.38,"end":765.175},{"sentences":[{"text":"Oh, hey.","start":766.675,"end":767.315,"sentiment":"neutral","sentiment_score":0.06468811444938183},{"text":"How are you?","start":767.315,"end":768.215,"sentiment":"neutral","sentiment_score":0.07689744234085083},{"text":"Yeah.","start":770.195,"end":770.515,"sentiment":"neutral","sentiment_score":0.11634919047355652},{"text":"Good.","start":770.515,"end":770.835,"sentiment":"neutral","sentiment_score":0.22652214765548703},{"text":"Thanks.","start":770.835,"end":771.335,"sentiment":"neutral","sentiment_score":0.2303795665502548}],"sentiment":"neutral","sentiment_score":0.11666493257507682,"num_words":8,"start":766.675,"end":771.335},{"sentences":[{"text":"Just wanna make sure for privacy.","start":771.395,"end":772.995,"sentiment":"neutral","sentiment_score":0.06765208579599857},{"text":"I don't say it say anything.","start":772.995,"end":774.935,"sentiment":"neutral","sentiment_score":-0.03615774245311817},{"text":"Perfect.","start":779.60004,"end":780.10004,"sentiment":"neutral","sentiment_score":0.3053756356239319},{"text":"Now, Jane, just so that I can get into your account quickly, could you, just for security as well, just confirm your full name, date of birth, and address, please?","start":781.2,"end":789.7,"sentiment":"neutral","sentiment_score":0.14325649638970692},{"text":"Yeah.","start":797.65497,"end":798.15497,"sentiment":"neutral","sentiment_score":0.13444212079048157}],"sentiment":"neutral","sentiment_score":0.11196542518552054,"num_words":44,"start":771.395,"end":798.15497},{"sentences":[{"text":"Beautiful.","start":798.21497,"end":798.71497,"sentiment":"neutral","sentiment_score":0.31480830907821655},{"text":"So, basically, because everything is very targeted to each client, and we wanna make sure we do the research.","start":799.255,"end":806.23004,"sentiment":"neutral","sentiment_score":0.12996052283989756},{"text":"So what I can do is similar to what I did for Matthew is first go through an annual review, which is where we kind of go through a bit of a fact find, talk a little bit more about goals, different risk profiles.","start":806.69,"end":817.67004,"sentiment":"neutral","sentiment_score":0.1519078415903178},{"text":"And then following that, I will do the research again similar to what I did for Matthew and kind of go through that with you if we also need to make any changes to your account.","start":818.125,"end":827.185,"sentiment":"neutral","sentiment_score":0.16749349339968628},{"text":"So while I have you on the phone, when I wish I could do it right now, but I do have another appointment.","start":827.72504,"end":836.19995,"sentiment":"neutral","sentiment_score":0.0989580790957679}],"sentiment":"neutral","sentiment_score":0.14450247849269612,"num_words":123,"start":798.21497,"end":836.19995},{"sentences":[{"text":"But when when is a good time for you?","start":836.89996,"end":839.69995,"sentiment":"neutral","sentiment_score":0.12551144055194324},{"text":"And I will book that in now while I do have you on the phone.","start":839.69995,"end":842.51996,"sentiment":"neutral","sentiment_score":0.20654453933238984},{"text":"And it preference on mornings or afternoons or pretty flexible.","start":845.765,"end":849.305,"sentiment":"neutral","sentiment_score":0.09681821130216121},{"text":"Okay.","start":853.925,"end":854.325,"sentiment":"neutral","sentiment_score":0.11310136318206788},{"text":"Let me have a look.","start":854.325,"end":855.705,"sentiment":"neutral","sentiment_score":0.13641591668128966}],"sentiment":"neutral","sentiment_score":0.14977835286408664,"num_words":40,"start":836.89996,"end":855.705},{"sentences":[{"text":"Yep.","start":857.37,"end":857.76996,"sentiment":"neutral","sentiment_score":0.15705212950706482},{"text":"So I can do so the rest of the week is pretty full, but I could do either Tuesday or Wednesday next week if either of those days suit.","start":857.76996,"end":868.99,"sentiment":"neutral","sentiment_score":0.16540460031608056},{"text":"And would either of the yeah.","start":870.065,"end":874.165,"sentiment":"neutral","sentiment_score":0.046656028678019844},{"text":"Mhmm.","start":874.465,"end":874.965,"sentiment":"neutral","sentiment_score":0.03220649063587189},{"text":"Yeah.","start":879.505,"end":880.005,"sentiment":"neutral","sentiment_score":0.05443970486521721}],"sentiment":"neutral","sentiment_score":0.14000968174322656,"num_words":38,"start":857.37,"end":880.005},{"sentences":[{"text":"What time would work better for you?","start":881.425,"end":883.525,"sentiment":"neutral","sentiment_score":0.07267651227968079},{"text":"We're at eleven.","start":886.35004,"end":887.15,"sentiment":"neutral","sentiment_score":0.06635314598679543},{"text":"Let me have a 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through everything with you, and then I'll do similar to what I did with Matthew, which is some preparing advice if we need to make any changes for you.","start":904.36505,"end":917.16,"sentiment":"neutral","sentiment_score":0.14055753100750057},{"text":"Yep.","start":917.3,"end":917.8,"sentiment":"neutral","sentiment_score":0.24894535541534424}],"sentiment":"neutral","sentiment_score":0.14990616971744766,"num_words":79,"start":889.15,"end":917.8},{"sentences":[{"text":"No.","start":918.02,"end":918.34,"sentiment":"neutral","sentiment_score":0.32409054040908813},{"text":"That was very convenient that I had you on the phone because I do have here that we were about to call you since your interview is also up.","start":918.34,"end":924.36,"sentiment":"positive","sentiment_score":0.3757140425772503},{"text":"So that was saves another call.","start":924.66,"end":927.46,"sentiment":"neutral","sentiment_score":0.11009651670853297},{"text":"Now if anything does change, Jayden, you can't make the appointment for for whatever reason, just send just send me an email or give the office a call, and we can always get that rescheduled.","start":927.46,"end":937.395,"sentiment":"neutral","sentiment_score":-0.025882077323538918},{"text":"Yep.","start":939.53503,"end":940.03503,"sentiment":"positive","sentiment_score":0.4107539653778076}],"sentiment":"neutral","sentiment_score":0.1581285852007568,"num_words":72,"start":918.02,"end":940.03503},{"sentences":[{"text":"No problem.","start":940.41504,"end":940.97504,"sentiment":"neutral","sentiment_score":0.30346958339214325},{"text":"Well, I will give you a call on Wednesday, the twenty ninth at 11AM.","start":940.97504,"end":945.075,"sentiment":"neutral","sentiment_score":0.2033667606966836},{"text":"And, Matthew, if you have any questions in regards to that advice, just just let me know.","start":945.41003,"end":948.93,"sentiment":"neutral","sentiment_score":0.16918696419281118},{"text":"But, otherwise, I'll keep a lookout for that email.","start":948.93,"end":951.11005,"sentiment":"neutral","sentiment_score":0.16273361692825952},{"text":"No problem at all.","start":953.4869,"end":954.28687,"sentiment":"positive","sentiment_score":0.632790744304657}],"sentiment":"neutral","sentiment_score":0.2244786464649698,"num_words":46,"start":940.41504,"end":954.28687},{"sentences":[{"text":"Thank you so much, guys, and I look forward to speaking with you both soon again.","start":954.28687,"end":957.6669,"sentiment":"positive","sentiment_score":0.8210696689784527},{"text":"No worries.","start":959.8869,"end":960.52686,"sentiment":"neutral","sentiment_score":0.2439585104584694},{"text":"Speak soon.","start":960.52686,"end":961.2669,"sentiment":"neutral","sentiment_score":0.2564513087272644},{"text":"Bye.","start":961.40686,"end":961.90686,"sentiment":"neutral","sentiment_score":-0.10257350653409958}],"sentiment":"positive","sentiment_score":0.6683505159758386,"num_words":21,"start":954.28687,"end":961.90686}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Jeff, how you doing? Hey, y'all. Sorry about that before. Yeah. Yeah. All good. Yep. Yeah. Jack. Yep. Yep. Yep. No worries. Yep. Yep. Yep. Yep. Yep. Yeah. I do remember. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Definitely. Yep. So it'll once I sign that, send it back, it'll automatically go to you. I don't need to ring you. Okay. No worries. Yep. No worries. No. Not really. No worries. All good. While I have you there, can you do my wife my wife's as well? Or does she have to wait or does she have to wait for an annual review or how does it work? I am. Yep. Well, thanks. How are you? No. No. You're alright. No. He he can do whatever. That's all good. Yep. Sure. Jane Marie Whitney, 09/1984. 9 Girawin Drive, Moringaou, New South Wales 2790. Yep. Yeah. No worries at all. No. That's okay. Any day but a Monday. Probably sorta lunchtime ish, if that's okay. Yeah. Can we do probably the Wednesday, if that's okay? Around about eleven, if that's alright. Yeah. No worries at all. Thank you. Yeah. No. That's all good. Yes. No worries at all. Thank you. No worries. Thank you very much. No worries. Thank you. 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really.","start":720.625,"end":721.365,"sentiment":"neutral","sentiment_score":-0.03693555761128664}],"sentiment":"neutral","sentiment_score":0.07161419349722564,"num_words":8,"start":708.98,"end":721.365},{"sentences":[{"text":"No worries.","start":738.36005,"end":738.84,"sentiment":"neutral","sentiment_score":0.11611448973417282},{"text":"All good.","start":738.84,"end":739.58,"sentiment":"positive","sentiment_score":0.3449564725160599},{"text":"While I have you there, can you do my wife my wife's as well?","start":745.08,"end":748.985,"sentiment":"neutral","sentiment_score":0.058482538908720016},{"text":"Or does she have to wait or does she have to wait for an annual review or how does it work?","start":751.685,"end":756.185,"sentiment":"neutral","sentiment_score":-0.021110644475335165},{"text":"I am.","start":765.5,"end":766.06,"sentiment":"neutral","sentiment_score":0.024034952744841576}],"sentiment":"neutral","sentiment_score":0.03282058148122415,"num_words":41,"start":738.36005,"end":766.06},{"sentences":[{"text":"Yep.","start":766.06,"end":766.56,"sentiment":"neutral","sentiment_score":0.03424917161464691},{"text":"Well, thanks.","start":768.46,"end":769.10004,"sentiment":"neutral","sentiment_score":0.1497977375984192},{"text":"How are you?","start":769.10004,"end":769.84,"sentiment":"neutral","sentiment_score":0.09144036223491032},{"text":"No.","start":774.645,"end":774.885,"sentiment":"neutral","sentiment_score":-0.06539551913738251},{"text":"No.","start":774.885,"end":775.205,"sentiment":"neutral","sentiment_score":-0.06476520001888275}],"sentiment":"neutral","sentiment_score":0.05975062679499388,"num_words":8,"start":766.06,"end":775.205},{"sentences":[{"text":"You're alright.","start":775.205,"end":776.025,"sentiment":"neutral","sentiment_score":-0.023074686527252197},{"text":"No.","start":776.565,"end":776.805,"sentiment":"neutral","sentiment_score":-0.03362623602151871},{"text":"He he can do whatever.","start":776.805,"end":778.085,"sentiment":"neutral","sentiment_score":0.001564875990152359},{"text":"That's all good.","start":778.085,"end":778.985,"sentiment":"neutral","sentiment_score":0.23879015445709229},{"text":"Yep.","start":789.77,"end":790.09,"sentiment":"neutral","sentiment_score":0.03643722087144852}],"sentiment":"neutral","sentiment_score":0.05673803792645534,"num_words":12,"start":775.205,"end":790.09},{"sentences":[{"text":"Sure.","start":790.09,"end":790.41003,"sentiment":"neutral","sentiment_score":0.031544577330350876},{"text":"Jane Marie Whitney, 09/1984.","start":790.41003,"end":793.53,"sentiment":"neutral","sentiment_score":0.02446779329329729},{"text":"9 Girawin Drive, Moringaou, New South Wales 2790.","start":793.53,"end":797.39,"sentiment":"neutral","sentiment_score":0.04160493006929755},{"text":"Yep.","start":813.105,"end":813.605,"sentiment":"neutral","sentiment_score":0.1454157531261444},{"text":"Yeah.","start":827.64,"end":827.96,"sentiment":"neutral","sentiment_score":0.10077362507581712}],"sentiment":"neutral","sentiment_score":0.0472296379506588,"num_words":15,"start":790.09,"end":827.96},{"sentences":[{"text":"No worries at all.","start":827.96,"end":829.26,"sentiment":"neutral","sentiment_score":0.1275348085910082},{"text":"No.","start":836.575,"end":836.815,"sentiment":"neutral","sentiment_score":0.03628946095705032},{"text":"That's okay.","start":836.815,"end":837.635,"sentiment":"neutral","sentiment_score":0.07431083358824253},{"text":"Any day but a Monday.","start":843.695,"end":845.075,"sentiment":"neutral","sentiment_score":0.07919774428009987},{"text":"Probably sorta lunchtime ish, if that's okay.","start":850.16,"end":853.54,"sentiment":"neutral","sentiment_score":0.10698332105364118}],"sentiment":"neutral","sentiment_score":0.0968380174354503,"num_words":19,"start":827.96,"end":853.54},{"sentences":[{"text":"Yeah.","start":872.47,"end":872.87,"sentiment":"neutral","sentiment_score":0.05634487420320511},{"text":"Can we do probably the Wednesday, if that's okay?","start":872.87,"end":878.89,"sentiment":"neutral","sentiment_score":0.04590443376865652},{"text":"Around about eleven, if that's alright.","start":884.55505,"end":886.575,"sentiment":"neutral","sentiment_score":0.061182488997777305},{"text":"Yeah.","start":915.845,"end":916.165,"sentiment":"neutral","sentiment_score":0.10070504993200302},{"text":"No worries at all.","start":916.165,"end":916.96497,"sentiment":"neutral","sentiment_score":0.24417933076620102}],"sentiment":"neutral","sentiment_score":0.09114295643355165,"num_words":21,"start":872.47,"end":916.96497},{"sentences":[{"text":"Thank you.","start":916.96497,"end":917.705,"sentiment":"positive","sentiment_score":0.531389057636261},{"text":"Yeah.","start":924.43,"end":924.75,"sentiment":"neutral","sentiment_score":0.11756618320941924},{"text":"No.","start":924.75,"end":924.91003,"sentiment":"neutral","sentiment_score":-0.07059589773416519},{"text":"That's all good.","start":924.91003,"end":925.97003,"sentiment":"neutral","sentiment_score":0.25372447570164997},{"text":"Yes.","start":927.55005,"end":928.05005,"sentiment":"neutral","sentiment_score":0.06624381244182587}],"sentiment":"neutral","sentiment_score":0.24214570503681898,"num_words":8,"start":916.96497,"end":928.05005},{"sentences":[{"text":"No worries at all.","start":938.35004,"end":939.39,"sentiment":"neutral","sentiment_score":0.1709778755903244},{"text":"Thank you.","start":939.39,"end":940.13,"sentiment":"positive","sentiment_score":0.5174806118011475},{"text":"No worries.","start":951.335,"end":951.97504,"sentiment":"neutral","sentiment_score":0.33167290687561035},{"text":"Thank you very much.","start":951.97504,"end":953.11505,"sentiment":"positive","sentiment_score":0.7365402579307556},{"text":"No worries.","start":958.03687,"end":958.7569,"sentiment":"positive","sentiment_score":0.36747048795223236}],"sentiment":"positive","sentiment_score":0.4330943248101643,"num_words":14,"start":938.35004,"end":958.7569},{"sentences":[{"text":"Thank you.","start":958.7569,"end":959.4969,"sentiment":"positive","sentiment_score":0.5962464809417725},{"text":"Bye.","start":960.9969,"end":961.4969,"sentiment":"neutral","sentiment_score":0.20861387252807617}],"sentiment":"positive","sentiment_score":0.46703561147054035,"num_words":3,"start":958.7569,"end":961.4969}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon.\n\nChannel 1: Yep.\n\nChannel 0: This is Matthew.\n\nChannel 1: Jeff, how you doing?\n\nChannel 0: Yeah. Good. It's Veronica from Financial again.\n\nChannel 1: Hey, y'all. Sorry about that before.\n\nChannel 0: No. All good. Do you have a little bit of time for me now?\n\nChannel 1: Yeah. Yeah. All good.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And just for security purposes, I do have a password on file. Do you know where that might be?\n\nChannel 1: Yeah. Jack.\n\nChannel 0: Yep. Perfect. Now it sounds like you're driving at the moment. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. Now what I have done is I have just sent you an email with the actual recommendation. Now it is pretty straightforward.\n\nSo if you are happy for me to do so, I will just kind of go through the main points. And then when you have a moment, obviously, later and it's safe to do so, just have a look through your emails. And if you don't have\n\nChannel 1: Yep.\n\nChannel 0: any questions, you can always give me a callback.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. Perfect. Now like I said, it is pretty straightforward today. The document itself is about 25 pages, but most of it is just for compliance purposes just so that you fully understand everything. So every time we do make a recommendation, we have to put everything in that statement of advice just so that you do understand everything.\n\nOn the cover page, you will see my details listed. You will see my authorized representative number, and I am licensed under OQ Financial.\n\nChannel 1: Yep.\n\nChannel 0: Now every time we do make a recommendation as well, Matthew, and act we have to always act in your best interest and making sure that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now like I said, basically, this statement of advice, it is just focusing on your superannuation, just making sure we have everything set up the best way for you and reviewing under any underperforming investments. Basically, the focus, we're not really doing any changes in regards to insurances or anything else. It was literally just reviewing that super investment for you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now we are not making any changes in regards to your risk profile either. During the annual review, you came out as that high growth investor, which is very suitable for where you are at in terms of how much time you have left until retirement, but also kind of what you are comfortable with and your focus of making sure we're trying to grow that super as much as possible before then.\n\nChannel 1: Yep.\n\nChannel 0: Now when you do have a moment, the recommendation is basically summarized on page 13. So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing. So what I have recommended for you, Matthew, is that we stay in hub twenty four and literally just change one investment and do a rebalance. So part of the research is also just making sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and features and stuff. So it is good to kind of reassess every now and then just to make sure it's still the best option for you.\n\nLike I said, at the for the time being, hub twenty four is very competitive when it comes to the fees and features and investment choices, but not making any changes there.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now what I have recommended, like I said, it is changing one investment. Now that is that Benelong investment I mentioned during the interview last time. Do you remember?\n\nChannel 1: Yeah. I do remember. Yep.\n\nChannel 0: Yeah. Perfect. So it is literally changing, a Benelon, which was underperforming a little bit for you for another option, which is for the BetaShares Australia 200. Now because we are changing one Australian investment, we wanted to make sure we still give you that exposure to the Australian market, but finding another option that was a little bit cheaper for you and was performing a little bit better. So\n\nChannel 1: Yep.\n\nChannel 0: I have recommended we change it to the beta shares. Now how that one is a little bit different is with your investment, if you remember, it's kind of managed fund where they're actively trying to buy and sell different investments in order to try to outperform the market. The difference with the BetaShares Australia 200 is that it is a little bit more kind of simplified in that it just tracks the 200 largest companies listed in Australia. So you have all the big banks and Woolworths and BHP, so all the big companies listed in Australia. And as the company kind of grows and gets bigger, it gets added to the 200, and something else kind of falls up.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So that is kind of the only change direct swap to your investment. Now\n\nChannel 1: Yep.\n\nChannel 0: what I have also recommended is just to do a rebalance of the portfolio. Basically, what that means so it's not changing the investments you do have. It is just kind of rebalancing them. So, basically, over time, you know, different investments do perform differently, which can cause, you know, your portfolio to kind of drift away a little bit from their intended asset allocation. So rebalancing basically just means that we are then selling any investments that we have a little bit too much exposure to, buying some that potentially we have a little bit less exposure to at the moment, and just kind of realigning everything back into the target allocation, which just kind of helps manage, you know, your risk profile and also, like, your goals and everything and making sure that everything stays aligned then becoming, you know, more or less risky than intended due to market fluctuations.\n\nDoes that make sense, Matthew?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So that is literally the only changes in regards to the investment. So when you have a look at the recommendation, this is all outlined on page 15 for you. So it might look a little bit messy, but it has all your investments.\n\nIt also has the current weight that you have in it and then the current balance, so basically just how much you have in it. The next one is kind of like a buy and sell table. What's in red is what we are kind of selling. So Benelon, like I said, completely shifting. Some of the others is just selling, like, a list of it in it and just rebalancing.\n\nAnd then what's black is either what we are kind of buying and rebalancing into that as well. So that kind of makes probably more sense when you have a look at it.\n\nChannel 1: Yep.\n\nChannel 0: But but, for example, you can see when you have a look at it that with your gold at the moment, it's, like, 9.33. It's just rebalancing back to seven to aligning. IShares, you have about 34 at the moment, just rebalancing down to 30. So it's pretty straightforward, and it's just to kinda make sure we keep everything aligned and that we're not taking too much risk or or less risk kind of.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now what that actually looks like for you is summarized in that table as well. That shows you that by doing the investment change and rebalance, it will save you about $431 in fees because the Bennelong is a little bit more expensive than the a 200. So\n\nChannel 1: Yep.\n\nChannel 0: this is reducing those fees a little bit, which is nice. Now what it also does is it has actually when we're looking at a historical return, it also outperformed your current portfolio. So when we are looking at a five year rolling average, your current portfolio has gone about 10.01. The recommended over the same period of time is 12.02. So it's about 2.01% difference, which still kind of adds up when you do compound everything.\n\nChannel 1: Yep.\n\nChannel 0: Makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I have also included, with the returns as well, a twelve month, three year, five year, and ten year period, comparing the two options so that you can see it. And, again, across all time frames, the recommended has, outperformed your current one as well. And that's even though we're not making any drastic changes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now one thing I do wanna let you know is that when we do make any changes to investments, so when we are selling investments, there will be some capital gains tax associated with it. So I've tried to minimize that as much as possible. Now with the capital gains tax, it's all taken care of and paid from within the super environment directly. So it's not something that you would have to pay for yourself or launching your tax return or anything like that.\n\nIt's all just within the super environment. But I do wanna\n\nChannel 1: Yep.\n\nChannel 0: let you know that that is a a cost when you do make changes to the investment. So what it's estimated for, because it does obviously change with market fluctuations, is about 3\n\nChannel 1: Yep.\n\nChannel 0: $108, which\n\nChannel 1: Yep.\n\nChannel 0: is not too bad given the the fee saving alone is about $431. And if I were to do a complete sell, so let's say change everything you have over, the capital gains tax would have been about 8,192. So, obviously, try to minimize that as much as possible, but that\n\nChannel 1: Okay.\n\nChannel 0: will be around that 380, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now I have then kind of compounded everything forward for five and ten years to show you what a little fee saving and improvement to the return might look like. Also, factoring in, obviously, that tax coming out. And even when we're looking at a five year period, again, compounding, you make a difference of about 48,229.\n\nSo it does make a pretty big difference.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Yeah. Perfect. There's no changes in regards to, obviously, your insurances. There is no changes, like I mentioned, in annual review in regards to that fee structure either. It stays exactly the same.\n\nThere's no charges. If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super. So, basically, from here is, obviously, when you have a moment, just have a have a read through the document. If you have any questions, just give me a callback, and we can always go through everything. If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents.\n\nYou can do it digitally sim similar to what you did for the under review. That\n\nChannel 1: Yep.\n\nChannel 0: then lets me know that you are happy to go ahead with the little investment change. It will automatically come back to me, and I will let the team know.\n\nChannel 1: So it'll once I sign that, send it back, it'll automatically go to you. I don't need to ring you.\n\nChannel 0: Correct. Yes. So I'll\n\nChannel 1: Okay.\n\nChannel 0: get notified. Sorry. If you sign it, I'll get notified right away, and then I will let the team know that you've signed, and we'll go ahead and make that change\n\nChannel 1: No worries.\n\nChannel 0: for you. So, yeah, you don't need to call me. It's just if you have any questions or anything you wanna talk about.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now, Matthew, do you have any questions in regards to any of that?\n\nChannel 1: No. Not really.\n\nChannel 0: No. No. Beautiful. Like I said, have a read through it. Any questions, let me know.\n\nOtherwise, I will keep a lookout for that email to come back. If there is anything, though, that you need at any point in time, don't hesitate to give me a call or send me an email. Okay?\n\nChannel 1: No worries. All good.\n\nChannel 0: Beautiful. Well, thank you so much for your time today, Matthew, and I hope you enjoy the rest of your afternoon.\n\nChannel 1: While I have you there, can you\n\nChannel 0: Yes.\n\nChannel 1: do my wife my wife's as well?\n\nChannel 0: Yes. Sorry.\n\nChannel 1: Or\n\nChannel 0: Let\n\nChannel 1: does she\n\nChannel 0: me\n\nChannel 1: have\n\nChannel 0: just\n\nChannel 1: to wait or does she have to wait for an annual review or how does it work?\n\nChannel 0: yes. Sorry. Let me check here for you. Is Jane there with you?\n\nChannel 1: I am. Yep.\n\nChannel 0: Oh, hey. How are you?\n\nChannel 1: Well, thanks. How are you?\n\nChannel 0: Yeah. Good. Thanks. Just wanna make sure for privacy. I don't say it say anything.\n\nChannel 1: No. No. You're alright. No. He he can do whatever.\n\nThat's all good.\n\nChannel 0: Perfect. Now, Jane, just so that I can get into your account quickly, could you, just for security as well, just confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Sure. Jane Marie Whitney, 09/1984. 9 Girawin Drive, Moringaou, New South Wales 2790.\n\nChannel 0: Yeah. Beautiful. So, basically, because everything is very targeted to each client, and we wanna make sure we do the research. So what I can do is similar to what I did for Matthew is first go through an annual review, which is where\n\nChannel 1: Yep.\n\nChannel 0: we kind of go through a bit of a fact find, talk a little bit more about goals, different risk profiles. And then following that, I will do the research again similar to what I did for Matthew and kind of go through that with you if we also need to make any changes to your account.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: No worries\n\nChannel 0: while I\n\nChannel 1: at all.\n\nChannel 0: have you on the phone, when I wish I could do it right now, but I do have another appointment.\n\nChannel 1: No. That's\n\nChannel 0: But\n\nChannel 1: okay.\n\nChannel 0: when when is a good time for you? And I will book that in now while I do have you on the phone.\n\nChannel 1: Any day but a Monday.\n\nChannel 0: And it preference on mornings or afternoons or pretty flexible.\n\nChannel 1: Probably sorta lunchtime ish, if that's okay.\n\nChannel 0: Okay. Let me have a look. Yep. So I can do so the rest of the week is pretty full, but I could do either Tuesday or Wednesday next week if either of those days suit. And\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: Can\n\nChannel 0: either\n\nChannel 1: we\n\nChannel 0: of the yeah.\n\nChannel 1: do\n\nChannel 0: Mhmm.\n\nChannel 1: probably the Wednesday, if that's okay?\n\nChannel 0: Yeah. What time would work better for you?\n\nChannel 1: Around about eleven, if that's alright.\n\nChannel 0: We're at eleven. Let me have a look. Yep. Perfect. I don't have anything booked, so that's perfect.\n\nSo that is Wednesday, July 29 at 11AM. I will give you a call, send you some documents to kind of go through with your under review. It's not something you have to prepare for, but just to kind of go through everything with you, and then I'll do similar to what I did with Matthew, which is some preparing advice if we need to make any changes for\n\nChannel 1: Yeah. No worries at\n\nChannel 0: you.\n\nChannel 1: all. Thank you.\n\nChannel 0: Yep. No. That was very convenient that I had you on the phone because I do have here that we were about to call you since your interview is also up.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: was\n\nChannel 1: all good.\n\nChannel 0: saves another call. Now\n\nChannel 1: Yes.\n\nChannel 0: if anything does change, Jayden, you can't make the appointment for for whatever reason, just send just send me an email or give the office a call, and we can always get that rescheduled.\n\nChannel 1: No worries at all. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: No problem. Well, I will give you a call on Wednesday, the twenty ninth at 11AM. And, Matthew, if you have any questions in regards to that advice, just just let me know. But, otherwise, I'll keep a lookout for that email.\n\nChannel 1: No worries. Thank you very much.\n\nChannel 0: No problem at all. Thank you so much, guys, and I look forward to speaking with you both soon again.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: No worries. Speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.0425201803445816}],"sentiment":"neutral","sentiment_score":0.0425201803445816,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.24,"sentiment":"neutral","sentiment_score":0.26552730053663254}],"sentiment":"neutral","sentiment_score":0.26552730053663254,"channel":0,"num_words":2,"start":1.52,"end":2.24},{"sentences":[{"text":"Yep.","start":2.12,"end":2.62,"sentiment":"neutral","sentiment_score":0.14670655131340027}],"sentiment":"neutral","sentiment_score":0.14670655131340027,"channel":1,"num_words":1,"start":2.12,"end":2.62},{"sentences":[{"text":"This is Matthew.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.14705753326416016}],"sentiment":"neutral","sentiment_score":0.14705753326416016,"channel":0,"num_words":3,"start":2.24,"end":3.06},{"sentences":[{"text":"Jeff, how you doing?","start":3.76,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1492443662136793}],"sentiment":"neutral","sentiment_score":0.1492443662136793,"channel":1,"num_words":4,"start":3.76,"end":4.8199997},{"sentences":[{"text":"Yeah.","start":5.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.1657653450965881},{"text":"Good.","start":5.44,"end":5.68,"sentiment":"positive","sentiment_score":0.35381069779396057},{"text":"It's Veronica from Financial again.","start":5.68,"end":8.02,"sentiment":"neutral","sentiment_score":0.17548103332519532}],"sentiment":"neutral","sentiment_score":0.19956874421664647,"channel":0,"num_words":7,"start":5.12,"end":8.02},{"sentences":[{"text":"Hey, y'all.","start":8.559999,"end":9.12,"sentiment":"neutral","sentiment_score":0.05656126141548157},{"text":"Sorry about that before.","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":-0.14493267610669136}],"sentiment":"neutral","sentiment_score":-0.07776803026596706,"channel":1,"num_words":6,"start":8.559999,"end":10.34},{"sentences":[{"text":"No.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":-0.1046595573425293},{"text":"All good.","start":11.36,"end":12.179999,"sentiment":"neutral","sentiment_score":0.08924640342593193},{"text":"Do you have a little bit of time for me now?","start":12.32,"end":14.58,"sentiment":"neutral","sentiment_score":0.026793757622892208}],"sentiment":"neutral","sentiment_score":0.026326041668653488,"channel":0,"num_words":14,"start":10.88,"end":14.58},{"sentences":[{"text":"Yeah.","start":14.8550005,"end":15.015,"sentiment":"neutral","sentiment_score":0.0812283381819725},{"text":"Yeah.","start":15.015,"end":15.415,"sentiment":"neutral","sentiment_score":0.14220687747001648},{"text":"All good.","start":15.415,"end":16.075,"sentiment":"neutral","sentiment_score":0.28179706633090973}],"sentiment":"neutral","sentiment_score":0.1967573370784521,"channel":1,"num_words":4,"start":14.8550005,"end":16.075},{"sentences":[{"text":"Yeah.","start":16.414999,"end":16.574999,"sentiment":"neutral","sentiment_score":0.24518561363220215},{"text":"Perfect.","start":16.574999,"end":17.074999,"sentiment":"positive","sentiment_score":0.36426323652267456},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.935,"end":25.314999,"sentiment":"neutral","sentiment_score":0.02895364476817435}],"sentiment":"neutral","sentiment_score":0.04674530801393332,"channel":0,"num_words":31,"start":16.414999,"end":25.314999},{"sentences":[{"text":"Yep.","start":25.814999,"end":26.314999,"sentiment":"neutral","sentiment_score":0.16668272018432617}],"sentiment":"neutral","sentiment_score":0.16668272018432617,"channel":1,"num_words":1,"start":25.814999,"end":26.314999},{"sentences":[{"text":"Beautiful.","start":27.07,"end":27.57,"sentiment":"positive","sentiment_score":0.46523094177246094},{"text":"And just for security purposes, I do have a password on file.","start":28.11,"end":31.55,"sentiment":"neutral","sentiment_score":0.1256664569179217},{"text":"Do you know where that might be?","start":31.55,"end":33.25,"sentiment":"neutral","sentiment_score":0.058433285249131064}],"sentiment":"neutral","sentiment_score":0.11911307107657194,"channel":0,"num_words":20,"start":27.07,"end":33.25},{"sentences":[{"text":"Yeah.","start":33.48,"end":33.72,"sentiment":"neutral","sentiment_score":0.05667877569794655},{"text":"Jack.","start":33.72,"end":34.22,"sentiment":"neutral","sentiment_score":0.05843352526426315}],"sentiment":"neutral","sentiment_score":0.05755615048110485,"channel":1,"num_words":2,"start":33.48,"end":34.22},{"sentences":[{"text":"Yep.","start":34.75,"end":35.25,"sentiment":"neutral","sentiment_score":0.10797856748104095},{"text":"Perfect.","start":35.39,"end":35.89,"sentiment":"neutral","sentiment_score":0.29866111278533936},{"text":"Now it sounds like you're driving at the moment.","start":37.309998,"end":39.47,"sentiment":"neutral","sentiment_score":0.14758897738324273},{"text":"Is that right?","start":39.47,"end":40.29,"sentiment":"neutral","sentiment_score":0.1054413914680481}],"sentiment":"neutral","sentiment_score":0.1465189036514078,"channel":0,"num_words":14,"start":34.75,"end":40.29},{"sentences":[{"text":"Yep.","start":40.6,"end":41.1,"sentiment":"neutral","sentiment_score":0.07081472128629684}],"sentiment":"neutral","sentiment_score":0.07081472128629684,"channel":1,"num_words":1,"start":40.6,"end":41.1},{"sentences":[{"text":"Yep.","start":41.425,"end":41.664997,"sentiment":"neutral","sentiment_score":0.09606963396072388},{"text":"Okay.","start":41.664997,"end":42.065,"sentiment":"neutral","sentiment_score":0.23158450424671173},{"text":"Perfect.","start":42.065,"end":42.565,"sentiment":"positive","sentiment_score":0.4079921841621399},{"text":"Now what I have done is I have just sent you an email with the actual recommendation.","start":43.504997,"end":49.445,"sentiment":"neutral","sentiment_score":0.3108728650738211},{"text":"Now it is pretty straightforward.","start":50.625,"end":52.964996,"sentiment":"positive","sentiment_score":0.4247360169887543}],"sentiment":"neutral","sentiment_score":0.32576660454273226,"channel":0,"num_words":25,"start":41.425,"end":52.964996},{"sentences":[{"text":"So if you are happy for me to do so, I will just kind of go through the main points.","start":53.265,"end":57.45,"sentiment":"neutral","sentiment_score":0.3319335594773293},{"text":"And then when you have a moment, obviously, later and it's safe to do so, just have a look through your emails.","start":57.59,"end":63.03,"sentiment":"neutral","sentiment_score":0.18995306979526172},{"text":"And if you don't have","start":63.03,"end":63.75,"sentiment":"neutral","sentiment_score":0.05708599388599396}],"sentiment":"neutral","sentiment_score":0.23623550413770877,"channel":0,"num_words":47,"start":53.265,"end":63.75},{"sentences":[{"text":"Yep.","start":63.670002,"end":64.17,"sentiment":"neutral","sentiment_score":0.023799484595656395}],"sentiment":"neutral","sentiment_score":0.023799484595656395,"channel":1,"num_words":1,"start":63.670002,"end":64.17},{"sentences":[{"text":"any questions, you can always give me a callback.","start":63.75,"end":65.77,"sentiment":"neutral","sentiment_score":0.03850380703806877}],"sentiment":"neutral","sentiment_score":0.03850380703806877,"channel":0,"num_words":9,"start":63.75,"end":65.77},{"sentences":[{"text":"Yep.","start":66.79,"end":67.29,"sentiment":"neutral","sentiment_score":0.05786038935184479},{"text":"No worries.","start":67.35,"end":68.17,"sentiment":"neutral","sentiment_score":0.09755861386656761}],"sentiment":"neutral","sentiment_score":0.08432587236166,"channel":1,"num_words":3,"start":66.79,"end":68.17},{"sentences":[{"text":"Yeah.","start":67.685005,"end":68.185005,"sentiment":"neutral","sentiment_score":0.18953433632850647},{"text":"Perfect.","start":68.565,"end":69.065,"sentiment":"positive","sentiment_score":0.34476304054260254},{"text":"Now like I said, it is pretty straightforward today.","start":69.925,"end":73.305,"sentiment":"neutral","sentiment_score":0.28748933143085903},{"text":"The document itself is about 25 pages, but most of it is just for compliance purposes just so that you fully understand everything.","start":74.485,"end":82.105,"sentiment":"neutral","sentiment_score":0.15487791792206143},{"text":"So every time we do make a recommendation, we have to put everything in that statement of advice just so that you do understand everything.","start":82.799995,"end":90.659996,"sentiment":"neutral","sentiment_score":0.12956352889537812}],"sentiment":"neutral","sentiment_score":0.16818613041255434,"channel":0,"num_words":59,"start":67.685005,"end":90.659996},{"sentences":[{"text":"On the cover page, you will see my details listed.","start":92.0,"end":95.314995,"sentiment":"neutral","sentiment_score":0.06050388887524605},{"text":"You will see my authorized representative number, and I am licensed under OQ Financial.","start":95.695,"end":100.994995,"sentiment":"neutral","sentiment_score":0.07514202860849244}],"sentiment":"neutral","sentiment_score":0.06904280371963978,"channel":0,"num_words":24,"start":92.0,"end":100.994995},{"sentences":[{"text":"Yep.","start":102.375,"end":102.875,"sentiment":"neutral","sentiment_score":0.08448424190282822}],"sentiment":"neutral","sentiment_score":0.08448424190282822,"channel":1,"num_words":1,"start":102.375,"end":102.875},{"sentences":[{"text":"Now every time we do make a recommendation as well, Matthew, and act we have to always act in your best interest and making sure that the advice itself has to put you in a better position as a result of the advice.","start":102.735,"end":115.77,"sentiment":"neutral","sentiment_score":0.08787126613910808},{"text":"Otherwise, we can't actually make the recommendation.","start":115.829994,"end":118.009995,"sentiment":"neutral","sentiment_score":-0.13989685688699996},{"text":"Does that make sense?","start":118.39,"end":119.45,"sentiment":"neutral","sentiment_score":0.027778243646025658}],"sentiment":"neutral","sentiment_score":0.05389443371031019,"channel":0,"num_words":54,"start":102.735,"end":119.45},{"sentences":[{"text":"Yep.","start":119.95,"end":120.45,"sentiment":"neutral","sentiment_score":0.047995589673519135}],"sentiment":"neutral","sentiment_score":0.047995589673519135,"channel":1,"num_words":1,"start":119.95,"end":120.45},{"sentences":[{"text":"Yep.","start":120.63,"end":121.13,"sentiment":"neutral","sentiment_score":0.10304445028305054},{"text":"Beautiful.","start":121.189995,"end":121.689995,"sentiment":"neutral","sentiment_score":0.20500525832176208},{"text":"Now like I said, basically, this statement of advice, it is just focusing on your superannuation, just making sure we have everything set up the best way for you and reviewing under any underperforming investments.","start":122.46999,"end":136.255,"sentiment":"neutral","sentiment_score":0.16261643916368484},{"text":"Basically, the focus, we're not really doing any changes in regards to insurances or anything else.","start":136.99,"end":143.23,"sentiment":"neutral","sentiment_score":-0.04713799129240215},{"text":"It was literally just reviewing that super investment for you.","start":143.23,"end":146.61,"sentiment":"neutral","sentiment_score":0.1251983515918255}],"sentiment":"neutral","sentiment_score":0.10313334499323179,"channel":0,"num_words":63,"start":120.63,"end":146.61},{"sentences":[{"text":"Yep.","start":146.97,"end":147.47,"sentiment":"neutral","sentiment_score":0.22608447074890137}],"sentiment":"neutral","sentiment_score":0.22608447074890137,"channel":1,"num_words":1,"start":146.97,"end":147.47},{"sentences":[{"text":"Yeah.","start":147.79001,"end":148.19,"sentiment":"positive","sentiment_score":0.3928186893463135},{"text":"Perfect.","start":148.19,"end":148.69,"sentiment":"positive","sentiment_score":0.6412537097930908},{"text":"Now we are not making any changes in regards to your risk profile either.","start":149.355,"end":154.335,"sentiment":"neutral","sentiment_score":-0.03012288042477199},{"text":"During the annual review, you came out as that high growth investor, which is very suitable for where you are at in terms of how much time you have left until retirement, but also kind of what you are comfortable with and your focus of making sure we're trying to grow that super as much as possible before then.","start":154.715,"end":171.09,"sentiment":"neutral","sentiment_score":0.3140749926284208}],"sentiment":"neutral","sentiment_score":0.2552370218435923,"channel":0,"num_words":75,"start":147.79001,"end":171.09},{"sentences":[{"text":"Yep.","start":171.67,"end":172.17,"sentiment":"neutral","sentiment_score":0.17996138334274292}],"sentiment":"neutral","sentiment_score":0.17996138334274292,"channel":1,"num_words":1,"start":171.67,"end":172.17},{"sentences":[{"text":"Now when you do have a moment, the recommendation is basically summarized on page 13.","start":173.47,"end":180.895,"sentiment":"neutral","sentiment_score":0.17490373055140176},{"text":"So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing.","start":181.595,"end":190.015,"sentiment":"neutral","sentiment_score":0.20064174316146158},{"text":"So what I have recommended for you, Matthew, is that we stay in hub twenty four and literally just change one investment and do a rebalance.","start":190.555,"end":199.49,"sentiment":"neutral","sentiment_score":0.2358694661122102},{"text":"So part of the research is also just making sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and features and stuff.","start":200.59001,"end":211.515,"sentiment":"neutral","sentiment_score":0.29695553554070964},{"text":"So it is good to kind of reassess every now and then just to make sure it's still the best option for you.","start":211.575,"end":217.355,"sentiment":"neutral","sentiment_score":0.33057168773982837}],"sentiment":"neutral","sentiment_score":0.25349136742193307,"channel":0,"num_words":134,"start":173.47,"end":217.355},{"sentences":[{"text":"Like I said, at the for the time being, hub twenty four is very competitive when it comes to the fees and features and investment choices, but not making any changes there.","start":217.64,"end":227.26,"sentiment":"neutral","sentiment_score":0.2612372925505042}],"sentiment":"neutral","sentiment_score":0.2612372925505042,"channel":0,"num_words":32,"start":217.64,"end":227.26},{"sentences":[{"text":"Yep.","start":227.76001,"end":228.26001,"sentiment":"neutral","sentiment_score":0.1474800407886505}],"sentiment":"neutral","sentiment_score":0.1474800407886505,"channel":1,"num_words":1,"start":227.76001,"end":228.26001},{"sentences":[{"text":"Yep.","start":228.52,"end":229.02,"sentiment":"neutral","sentiment_score":0.14606070518493652},{"text":"Now what I have recommended, like I said, it is changing one investment.","start":229.31999,"end":234.615,"sentiment":"neutral","sentiment_score":0.1518938163152108},{"text":"Now that is that Benelong investment I mentioned during the interview last time.","start":235.475,"end":240.355,"sentiment":"neutral","sentiment_score":0.1553063472876182},{"text":"Do you remember?","start":240.355,"end":241.175,"sentiment":"neutral","sentiment_score":0.05840358262260755}],"sentiment":"neutral","sentiment_score":0.1438291193296512,"channel":0,"num_words":30,"start":228.52,"end":241.175},{"sentences":[{"text":"Yeah.","start":241.67499,"end":241.915,"sentiment":"neutral","sentiment_score":0.10902687907218932},{"text":"I do remember.","start":241.915,"end":242.715,"sentiment":"neutral","sentiment_score":0.09136772900819778},{"text":"Yep.","start":242.715,"end":243.215,"sentiment":"neutral","sentiment_score":0.11997314542531969}],"sentiment":"neutral","sentiment_score":0.10062064230442047,"channel":1,"num_words":5,"start":241.67499,"end":243.215},{"sentences":[{"text":"Yeah.","start":243.09,"end":243.56999,"sentiment":"neutral","sentiment_score":0.21926233172416687},{"text":"Perfect.","start":243.56999,"end":244.05,"sentiment":"neutral","sentiment_score":0.005990488454699516},{"text":"So it is literally changing, a Benelon, which was underperforming a little bit for you for another option, which is for the BetaShares Australia 200.","start":244.05,"end":255.11,"sentiment":"neutral","sentiment_score":-0.023592623807489874},{"text":"Now because we are changing one Australian investment, we wanted to make sure we still give you that exposure to the Australian market, but finding another option that was a little bit cheaper for you and was performing a little bit better.","start":255.675,"end":268.975,"sentiment":"neutral","sentiment_score":0.17617807173657984},{"text":"So","start":269.435,"end":269.935,"sentiment":"neutral","sentiment_score":0.1958879679441452}],"sentiment":"neutral","sentiment_score":0.10329720294103026,"channel":0,"num_words":70,"start":243.09,"end":269.935},{"sentences":[{"text":"Yep.","start":269.555,"end":270.055,"sentiment":"neutral","sentiment_score":0.273199200630188}],"sentiment":"neutral","sentiment_score":0.273199200630188,"channel":1,"num_words":1,"start":269.555,"end":270.055},{"sentences":[{"text":"I have recommended we change it to the beta shares.","start":270.08,"end":272.72,"sentiment":"neutral","sentiment_score":0.2631244257092476},{"text":"Now how that one is a little bit different is with your investment, if you remember, it's kind of managed fund where they're actively trying to buy and sell different investments in order to try to outperform the market.","start":272.72,"end":286.335,"sentiment":"neutral","sentiment_score":0.1311741989965622},{"text":"The difference with the BetaShares Australia 200 is that it is a little bit more kind of simplified in that it just tracks the 200 largest companies listed in Australia.","start":287.195,"end":298.49,"sentiment":"neutral","sentiment_score":0.10312971485157808},{"text":"So you have all the big banks and Woolworths and BHP, so all the big companies listed in Australia.","start":299.51,"end":304.72998,"sentiment":"neutral","sentiment_score":0.13170599192380905},{"text":"And as the company kind of grows and gets bigger, it gets added to the 200, and something else kind of falls up.","start":304.79,"end":310.385,"sentiment":"neutral","sentiment_score":-0.014933415405128313}],"sentiment":"neutral","sentiment_score":0.10743698145239806,"channel":0,"num_words":121,"start":270.08,"end":310.385},{"sentences":[{"text":"Does that make 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investment.","start":314.545,"end":319.125,"sentiment":"positive","sentiment_score":0.3521990065391247},{"text":"Now","start":319.985,"end":320.225,"sentiment":"neutral","sentiment_score":0.13538718223571777}],"sentiment":"positive","sentiment_score":0.35994622111320496,"channel":0,"num_words":16,"start":312.785,"end":320.225},{"sentences":[{"text":"Yep.","start":320.00998,"end":320.50998,"sentiment":"neutral","sentiment_score":0.15645959973335266}],"sentiment":"neutral","sentiment_score":0.15645959973335266,"channel":1,"num_words":1,"start":320.00998,"end":320.50998},{"sentences":[{"text":"what I have also recommended is just to do a rebalance of the portfolio.","start":320.225,"end":325.68,"sentiment":"neutral","sentiment_score":0.047524040564894676},{"text":"Basically, what that means so it's not changing the investments you do have.","start":327.18,"end":331.04,"sentiment":"neutral","sentiment_score":-0.040413181154200666},{"text":"It is just kind of rebalancing them.","start":331.1,"end":333.58,"sentiment":"neutral","sentiment_score":-0.02323728267635618},{"text":"So, basically, over time, you know, different investments do perform differently, which can cause, you know, your portfolio to kind of drift away a little bit from their intended asset allocation.","start":333.58,"end":345.245,"sentiment":"neutral","sentiment_score":-0.2002537200047124},{"text":"So rebalancing basically just means that we are then selling any investments that we have a little bit too much exposure to, buying some that potentially we have a little bit less exposure to at the moment, and just kind of realigning everything back into the target allocation, which just kind of helps manage, you know, your risk profile and also, like, your goals and everything and making sure that everything stays aligned then becoming, you know, more or less risky than intended due to market 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only changes in regards to the investment.","start":381.46,"end":384.76,"sentiment":"neutral","sentiment_score":0.2949227032562097},{"text":"So when you have a look at the recommendation, this is all outlined on page 15 for you.","start":384.97998,"end":391.32,"sentiment":"neutral","sentiment_score":0.2361630615260866},{"text":"So it might look a little bit messy, but it has all your investments.","start":391.38,"end":394.6,"sentiment":"neutral","sentiment_score":0.1339728677911418}],"sentiment":"neutral","sentiment_score":0.23214953959636067,"channel":0,"num_words":46,"start":380.58,"end":394.6},{"sentences":[{"text":"It also has the current weight that you have in it and then the current balance, so basically just how much you have in it.","start":395.01498,"end":402.475,"sentiment":"neutral","sentiment_score":0.1448354721069336},{"text":"The next one is kind of like a buy and sell table.","start":403.095,"end":405.915,"sentiment":"neutral","sentiment_score":0.03092115605250001},{"text":"What's in red is what we are kind of selling.","start":406.535,"end":409.56,"sentiment":"neutral","sentiment_score":0.0029064698144793512},{"text":"So Benelon, like I said, completely shifting.","start":409.62003,"end":411.96002,"sentiment":"neutral","sentiment_score":0.03913973165409906},{"text":"Some of the others is just selling, like, a list of it in it and just rebalancing.","start":412.34003,"end":416.52002,"sentiment":"neutral","sentiment_score":0.03647754823460298}],"sentiment":"neutral","sentiment_score":0.06922678612697293,"channel":0,"num_words":71,"start":395.01498,"end":416.52002},{"sentences":[{"text":"And then what's black is either what we are kind of buying and rebalancing into that as well.","start":416.90002,"end":422.725,"sentiment":"neutral","sentiment_score":-0.06313773203227255},{"text":"So that kind of makes probably more sense when you have a look at 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nice.","start":477.255,"end":480.23502,"sentiment":"positive","sentiment_score":0.7899277156049554},{"text":"Now what it also does is it has actually when we're looking at a historical return, it also outperformed your current portfolio.","start":481.015,"end":489.675,"sentiment":"positive","sentiment_score":0.5201213251460682},{"text":"So when we are looking at a five year rolling average, your current portfolio has gone about 10.01.","start":490.62,"end":498.88,"sentiment":"neutral","sentiment_score":0.2990646817617946},{"text":"The recommended over the same period of time is 12.02.","start":499.9,"end":505.6,"sentiment":"neutral","sentiment_score":0.15499661043286322},{"text":"So it's about 2.01% difference, which still kind of adds up when you do compound 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recommended has, outperformed your current one as well.","start":526.69,"end":531.97,"sentiment":"positive","sentiment_score":0.565468414624532},{"text":"And that's even though we're not making any drastic changes.","start":531.97,"end":534.55,"sentiment":"neutral","sentiment_score":0.172821307182312}],"sentiment":"positive","sentiment_score":0.381050204922413,"channel":0,"num_words":58,"start":515.145,"end":534.55},{"sentences":[{"text":"Yep.","start":535.27,"end":535.77,"sentiment":"neutral","sentiment_score":0.13728567957878113}],"sentiment":"neutral","sentiment_score":0.13728567957878113,"channel":1,"num_words":1,"start":535.27,"end":535.77},{"sentences":[{"text":"Yep.","start":536.34503,"end":536.825,"sentiment":"neutral","sentiment_score":0.1401173621416092},{"text":"Now one thing I do wanna let you know is that when we do make any changes to investments, so when we are selling investments, there will be some capital gains tax associated with 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wanna","start":567.595,"end":568.39496,"sentiment":"neutral","sentiment_score":0.11805149167776108}],"sentiment":"neutral","sentiment_score":0.15318657864223828,"channel":0,"num_words":11,"start":564.875,"end":568.39496},{"sentences":[{"text":"Yep.","start":568.10004,"end":568.60004,"sentiment":"neutral","sentiment_score":0.11766155809164049}],"sentiment":"neutral","sentiment_score":0.11766155809164049,"channel":1,"num_words":1,"start":568.10004,"end":568.60004},{"sentences":[{"text":"let you know that that is a a cost when you do make changes to the investment.","start":568.39496,"end":573.615,"sentiment":"neutral","sentiment_score":0.1045365754295798},{"text":"So what it's estimated for, because it does obviously change with market fluctuations, is about 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fee saving alone is about $431.","start":582.95996,"end":588.89996,"sentiment":"positive","sentiment_score":0.38962234628315157},{"text":"And if I were to do a complete sell, so let's say change everything you have over, the capital gains tax would have been about 8,192.","start":589.27997,"end":599.255,"sentiment":"neutral","sentiment_score":-0.027817379862356644},{"text":"So, obviously, try to minimize that as much as possible, but that","start":599.255,"end":602.695,"sentiment":"neutral","sentiment_score":-0.003527978900820017}],"sentiment":"neutral","sentiment_score":0.08430397800882072,"channel":0,"num_words":51,"start":582.95996,"end":602.695},{"sentences":[{"text":"Okay.","start":602.645,"end":603.145,"sentiment":"neutral","sentiment_score":0.016724687069654465}],"sentiment":"neutral","sentiment_score":0.016724687069654465,"channel":1,"num_words":1,"start":602.645,"end":603.145},{"sentences":[{"text":"will be around that 380, if that makes 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mentioned, in annual review in regards to that fee structure either.","start":639.04,"end":643.78,"sentiment":"positive","sentiment_score":0.37851541357881885},{"text":"It stays exactly the same.","start":644.08,"end":646.0,"sentiment":"positive","sentiment_score":0.5572943329811096}],"sentiment":"positive","sentiment_score":0.40293211647958466,"channel":0,"num_words":33,"start":634.24,"end":646.0},{"sentences":[{"text":"There's no charges.","start":646.0,"end":648.375,"sentiment":"positive","sentiment_score":0.4258720775445302},{"text":"If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super.","start":648.375,"end":660.235,"sentiment":"positive","sentiment_score":0.5614530835300684},{"text":"So, basically, from here is, obviously, when you have a moment, just have a have a read through the document.","start":662.16,"end":668.01996,"sentiment":"neutral","sentiment_score":0.17435959950089455},{"text":"If you have any questions, just give me a callback, and we can always go through everything.","start":668.56,"end":673.22,"sentiment":"neutral","sentiment_score":0.1664382626905161},{"text":"If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents.","start":673.76,"end":681.895,"sentiment":"positive","sentiment_score":0.4151681376000245}],"sentiment":"positive","sentiment_score":0.3700499235807608,"channel":0,"num_words":96,"start":646.0,"end":681.895},{"sentences":[{"text":"You can do it digitally sim similar to what you did for the under 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know.","start":689.73505,"end":693.59503,"sentiment":"positive","sentiment_score":0.43116012641361784}],"sentiment":"positive","sentiment_score":0.5522600084543228,"channel":0,"num_words":30,"start":685.73505,"end":693.59503},{"sentences":[{"text":"So it'll once I sign that, send it back, it'll automatically go to you.","start":694.035,"end":697.555,"sentiment":"positive","sentiment_score":0.3914551479475839},{"text":"I don't need to ring you.","start":697.555,"end":698.855,"sentiment":"neutral","sentiment_score":0.14431230599681535}],"sentiment":"neutral","sentiment_score":0.31731229536235334,"channel":1,"num_words":20,"start":694.035,"end":698.855},{"sentences":[{"text":"Correct.","start":699.29,"end":699.69,"sentiment":"neutral","sentiment_score":0.19980761408805847},{"text":"Yes.","start":699.69,"end":700.01,"sentiment":"neutral","sentiment_score":0.1812344193458557},{"text":"So 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change","start":701.93,"end":708.375,"sentiment":"neutral","sentiment_score":0.1128794074590717}],"sentiment":"neutral","sentiment_score":0.11431031746249046,"channel":0,"num_words":31,"start":700.49,"end":708.375},{"sentences":[{"text":"No worries.","start":708.98,"end":709.63995,"sentiment":"neutral","sentiment_score":0.1250641867518425}],"sentiment":"neutral","sentiment_score":0.1250641867518425,"channel":1,"num_words":2,"start":708.98,"end":709.63995},{"sentences":[{"text":"for you.","start":710.375,"end":710.4017,"sentiment":"neutral","sentiment_score":0.15698260813951492},{"text":"So, yeah, you don't need to call me.","start":710.4017,"end":710.5083,"sentiment":"neutral","sentiment_score":0.16297901794314384},{"text":"It's just if you have any questions or anything you wanna talk about.","start":710.5083,"end":713.275,"sentiment":"neutral","sentiment_score":0.1511323434802202}],"sentiment":"neutral","sentiment_score":0.15576164456813232,"channel":0,"num_words":23,"start":710.375,"end":713.275},{"sentences":[{"text":"Yep.","start":713.62,"end":714.01996,"sentiment":"neutral","sentiment_score":0.11640550941228868},{"text":"No worries.","start":714.01996,"end":714.68,"sentiment":"neutral","sentiment_score":0.15401314198970795}],"sentiment":"neutral","sentiment_score":0.14147726446390152,"channel":1,"num_words":3,"start":713.62,"end":714.68},{"sentences":[{"text":"Yep.","start":714.935,"end":715.335,"sentiment":"neutral","sentiment_score":0.23118028044700625},{"text":"Perfect.","start":715.335,"end":715.835,"sentiment":"positive","sentiment_score":0.547139585018158},{"text":"Now, Matthew, do you have any questions in regards to any of 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it.","start":723.99,"end":725.91003,"sentiment":"neutral","sentiment_score":0.20545178651809692},{"text":"Any questions, let me know.","start":725.91003,"end":727.35004,"sentiment":"neutral","sentiment_score":0.15088269859552383}],"sentiment":"neutral","sentiment_score":0.17123906128108501,"channel":0,"num_words":16,"start":721.43,"end":727.35004},{"sentences":[{"text":"Otherwise, I will keep a lookout for that email to come back.","start":727.35004,"end":730.81,"sentiment":"neutral","sentiment_score":0.14191206420461336},{"text":"If there is anything, though, that you need at any point in time, don't hesitate to give me a call or send me an email.","start":731.03,"end":737.20496,"sentiment":"neutral","sentiment_score":0.06610333852469921},{"text":"Okay?","start":737.20496,"end":737.70496,"sentiment":"neutral","sentiment_score":0.05215337872505188}],"sentiment":"neutral","sentiment_score":0.08967583190257612,"channel":0,"num_words":38,"start":727.35004,"end":737.70496},{"sentences":[{"text":"No worries.","start":738.36005,"end":738.84,"sentiment":"neutral","sentiment_score":0.11611448973417282},{"text":"All good.","start":738.84,"end":739.58,"sentiment":"positive","sentiment_score":0.3449564725160599}],"sentiment":"neutral","sentiment_score":0.23053548112511635,"channel":1,"num_words":4,"start":738.36005,"end":739.58},{"sentences":[{"text":"Beautiful.","start":739.845,"end":740.345,"sentiment":"positive","sentiment_score":0.575340747833252},{"text":"Well, thank you so much for your time today, Matthew, and I hope you enjoy the rest of your 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and we can always get that rescheduled.","start":927.77997,"end":937.395,"sentiment":"neutral","sentiment_score":-0.028281381792005372}],"sentiment":"neutral","sentiment_score":-0.028281381792005372,"channel":0,"num_words":34,"start":927.77997,"end":937.395},{"sentences":[{"text":"No worries at all.","start":938.35004,"end":939.39,"sentiment":"neutral","sentiment_score":0.1709778755903244},{"text":"Thank","start":939.39,"end":939.63,"sentiment":"positive","sentiment_score":0.5856870412826538}],"sentiment":"neutral","sentiment_score":0.25391970872879027,"channel":1,"num_words":5,"start":938.35004,"end":939.63},{"sentences":[{"text":"Yep.","start":939.53503,"end":940.03503,"sentiment":"positive","sentiment_score":0.4107539653778076}],"sentiment":"positive","sentiment_score":0.4107539653778076,"channel":0,"num_words":1,"start":939.53503,"end":940.03503},{"sentences":[{"text":"you.","start":939.63,"end":940.13,"sentiment":"positive","sentiment_score":0.4492741823196411}],"sentiment":"positive","sentiment_score":0.4492741823196411,"channel":1,"num_words":1,"start":939.63,"end":940.13},{"sentences":[{"text":"No problem.","start":940.41504,"end":940.97504,"sentiment":"neutral","sentiment_score":0.30346958339214325},{"text":"Well, I will give you a call on Wednesday, the twenty ninth at 11AM.","start":940.97504,"end":945.075,"sentiment":"neutral","sentiment_score":0.2033667606966836},{"text":"And, Matthew, if you have any questions in regards to that advice, just just let me know.","start":945.41003,"end":948.93,"sentiment":"neutral","sentiment_score":0.16918696419281118},{"text":"But, otherwise, I'll keep a lookout for that email.","start":948.93,"end":951.11005,"sentiment":"neutral","sentiment_score":0.16273361692825952}],"sentiment":"neutral","sentiment_score":0.18559178000404722,"channel":0,"num_words":42,"start":940.41504,"end":951.11005},{"sentences":[{"text":"No worries.","start":951.335,"end":951.97504,"sentiment":"neutral","sentiment_score":0.33167290687561035},{"text":"Thank you very much.","start":951.97504,"end":953.11505,"sentiment":"positive","sentiment_score":0.7365402579307556}],"sentiment":"positive","sentiment_score":0.6015844742457072,"channel":1,"num_words":6,"start":951.335,"end":953.11505},{"sentences":[{"text":"No problem at all.","start":953.4869,"end":954.28687,"sentiment":"positive","sentiment_score":0.632790744304657},{"text":"Thank you so much, guys, and I look forward to speaking with you both soon again.","start":954.28687,"end":957.6669,"sentiment":"positive","sentiment_score":0.8210696689784527}],"sentiment":"positive","sentiment_score":0.7834138840436935,"channel":0,"num_words":20,"start":953.4869,"end":957.6669},{"sentences":[{"text":"No worries.","start":958.03687,"end":958.7569,"sentiment":"positive","sentiment_score":0.36747048795223236},{"text":"Thank you.","start":958.7569,"end":959.4969,"sentiment":"positive","sentiment_score":0.5962464809417725}],"sentiment":"positive","sentiment_score":0.4818584844470024,"channel":1,"num_words":4,"start":958.03687,"end":959.4969},{"sentences":[{"text":"No worries.","start":959.8869,"end":960.52686,"sentiment":"neutral","sentiment_score":0.2439585104584694},{"text":"Speak soon.","start":960.52686,"end":961.2669,"sentiment":"neutral","sentiment_score":0.2564513087272644}],"sentiment":"neutral","sentiment_score":0.2502049095928669,"channel":0,"num_words":4,"start":959.8869,"end":961.2669},{"sentences":[{"text":"Bye.","start":960.9969,"end":961.4969,"sentiment":"neutral","sentiment_score":0.20861387252807617}],"sentiment":"neutral","sentiment_score":0.20861387252807617,"channel":1,"num_words":1,"start":960.9969,"end":961.4969},{"sentences":[{"text":"Bye.","start":961.40686,"end":961.90686,"sentiment":"neutral","sentiment_score":-0.10257350653409958}],"sentiment":"neutral","sentiment_score":-0.10257350653409958,"channel":0,"num_words":1,"start":961.40686,"end":961.90686}]},"summary":{"result":"success","short":"The representative from Financial recommends changing one investment and rebuilding the portfolio to a customer's superann themes. They highlight the need to review the advice for compliance purposes and explain the difference between the two. The change is to reduce fees and increase the current portfolio's performance. The speaker emphasizes the use of a buy and sell table and recommends over performance of the portfolio. The customer is instructed to sign documents and reschedule if needed, and given the option to reschedule."},"intents":{"segments":[{"text":"Now what I have done is I have just sent you an email with the actual recommendation. Now it is pretty straightforward. So if you are happy for me to do so, I will just kind of go through the main points. And then when you have a moment, obviously, later and it's safe to do so, just have a look through your emails. And if you don't have Yep. any questions, you can always give me a callback.","start_word":114,"end_word":192,"intents":[{"intent":"Recommend a call","confidence_score":0.0012858546}]},{"text":"Now when you do have a moment, the recommendation is basically summarized on page 13. So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing.","start_word":475,"end_word":522,"intents":[{"intent":"Reflect on investment recommendation","confidence_score":0.00010197743}]},{"text":"Does that make sense, Matthew?","start_word":1043,"end_word":1047,"intents":[{"intent":"Rebalancing investments","confidence_score":0.65843076},{"intent":"Rebalancing investments","confidence_score":0.15337765}]},{"text":"So it's pretty straightforward, and it's just to kinda make sure we keep everything aligned and that we're not taking too much risk or or less risk kind of.","start_word":1245,"end_word":1273,"intents":[{"intent":"Highlighting benefits of investing","confidence_score":0.00015484604}]},{"text":"So what it's estimated for, because it does obviously change with market fluctuations, is about 3 Yep. $108, which Yep. is not too bad given the the fee saving alone is about $431.","start_word":1580,"end_word":1612,"intents":[{"intent":"Calculate investment costs","confidence_score":0.0038608524}]},{"text":"Now I have then kind of compounded everything forward for five and ten years to show you what a little fee saving and improvement to the return might look like. Also, factoring in, obviously, that tax coming out. And even when we're looking at a five year period, again, compounding, you make a difference of about 48,229. So it does make a pretty big difference. Yeah.","start_word":1665,"end_word":1730,"intents":[{"intent":"Compounding and improving return","confidence_score":0.00073360483}]},{"text":"If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super.","start_word":1768,"end_word":1799,"intents":[{"intent":"Recommending changes","confidence_score":0.28439805},{"intent":"Recommending changes","confidence_score":0.13639466},{"intent":"Recommending changes","confidence_score":0.046844974}]},{"text":"If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents. You can do it digitally sim similar to what you did for the under review. That Yep.","start_word":1837,"end_word":1877,"intents":[{"intent":"Providing instructions","confidence_score":0.043258227}]},{"text":"then lets me know that you are happy to go ahead with the little investment change. It will automatically come back to me, and I will let the team know. So it'll once I sign that, send it back, it'll automatically go to you. I don't need to ring you. Correct. Yes. So I'll Okay. get notified. Sorry.","start_word":1878,"end_word":1935,"intents":[{"intent":"Notifying team","confidence_score":0.2516663}]},{"text":"Is Jane there with you? I am.","start_word":2138,"end_word":2144,"intents":[{"intent":"Confirm identity","confidence_score":0.011443971}]},{"text":"when when is a good time for you? And I will book that in now while I do have you on the phone. Any day but a Monday. And it preference on mornings or afternoons or pretty flexible. Probably sorta lunchtime ish, if that's okay. Okay.","start_word":2363,"end_word":2408,"intents":[{"intent":"Schedule call","confidence_score":0.01245271}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Yep. This is Matthew. Jeff, how you doing? Yeah.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.15148547291755676},{"text":"Good.","start_word":12,"end_word":12,"sentiment":"positive","sentiment_score":0.35381069779396057},{"text":"It's Veronica from Financial again. Hey, y'all. Sorry about that before. No. All good. Do you have a little bit of time for me now? Yeah. Yeah. All good. Yeah.","start_word":13,"end_word":42,"sentiment":"neutral","sentiment_score":0.07103549689054489},{"text":"Perfect.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.36426323652267456},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":44,"end_word":73,"sentiment":"neutral","sentiment_score":0.04064958542585373},{"text":"Beautiful.","start_word":74,"end_word":74,"sentiment":"positive","sentiment_score":0.46523094177246094},{"text":"And just for security purposes, I do have a password on file. Do you know where that might be? Yeah. Jack. Yep. Perfect. Now it sounds like you're driving at the moment. Is that right? Yep. Yep. Okay.","start_word":75,"end_word":112,"sentiment":"neutral","sentiment_score":0.11832738667726515},{"text":"Perfect.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.4079921841621399},{"text":"Now what I have done is I have just sent you an email with the actual recommendation.","start_word":114,"end_word":130,"sentiment":"neutral","sentiment_score":0.31151914596557617},{"text":"Now it is pretty straightforward.","start_word":131,"end_word":135,"sentiment":"positive","sentiment_score":0.4179852902889252},{"text":"So if you are happy for me to do so, I will just kind of go through the main points. And then when you have a moment, obviously, later and it's safe to do so, just have a look through your emails. And if you don't have Yep. any questions, you can always give me a callback. Yep. No worries. Yeah.","start_word":136,"end_word":196,"sentiment":"neutral","sentiment_score":0.17808440327644348},{"text":"Perfect.","start_word":197,"end_word":197,"sentiment":"positive","sentiment_score":0.34476304054260254},{"text":"Now like I said, it is pretty straightforward today. The document itself is about 25 pages, but most of it is just for compliance purposes just so that you fully understand everything. So every time we do make a recommendation, we have to put everything in that statement of advice just so that you do understand everything. On the cover page, you will see my details listed. You will see my authorized representative number, and I am licensed under OQ Financial. Yep. Now every time we do make a recommendation as well, Matthew, and act we have to always act in your best interest and making sure that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yep.","start_word":198,"end_word":335,"sentiment":"neutral","sentiment_score":0.0962894931435585},{"text":"Beautiful.","start_word":336,"end_word":336,"sentiment":"positive","sentiment_score":0.3923811912536621},{"text":"Now like I said, basically, this statement of advice, it is just focusing on your superannuation, just making sure we have everything set up the best way for you and reviewing under any underperforming investments. Basically, the focus, we're not really doing any changes in regards to insurances or anything else. It was literally just reviewing that super investment for you. Yep.","start_word":337,"end_word":398,"sentiment":"neutral","sentiment_score":0.1051192432641983},{"text":"Yeah. Perfect.","start_word":399,"end_word":400,"sentiment":"positive","sentiment_score":0.5170361995697021},{"text":"Now we are not making any changes in regards to your risk profile either. During the annual review, you came out as that high growth investor, which is very suitable for where you are at in terms of how much time you have left until retirement, but also kind of what you are comfortable with and your focus of making sure we're trying to grow that super as much as possible before then. Yep. Now when you do have a moment, the recommendation is basically summarized on page 13. So it is a table that has kind of all the math and everything outlined, which, I find is the best way to kind of look at things on how it's actually changing. So what I have recommended for you, Matthew, is that we stay in hub twenty four and literally just change one investment and do a rebalance. So part of the research is also just making sure that hub twenty four is still going to be the best option for you because there's always new super funds that comes out and features and stuff. So it is good to kind of reassess every now and then just to make sure it's still the best option for you. Like I said, at the for the time being, hub twenty four is very competitive when it comes to the fees and features and investment choices, but not making any changes there. Yep. Yep. Now what I have recommended, like I said, it is changing one investment. Now that is that Benelong investment I mentioned during the interview last time. Do you remember? Yeah. I do remember. Yep. Yeah.","start_word":401,"end_word":677,"sentiment":"neutral","sentiment_score":0.23256565630435944},{"text":"Perfect.","start_word":678,"end_word":678,"sentiment":"positive","sentiment_score":0.4941190183162689},{"text":"So it is literally changing, a Benelon, which was underperforming a little bit for you for another option, which is for the BetaShares Australia 200. Now because we are changing one Australian investment, we wanted to make sure we still give you that exposure to the Australian market, but finding another option that was a little bit cheaper for you and was performing a little bit better. So Yep. I have recommended we change it to the beta shares. Now how that one is a little bit different is with your investment, if you remember, it's kind of managed fund where they're actively trying to buy and sell different investments in order to try to outperform the market. The difference with the BetaShares Australia 200 is that it is a little bit more kind of simplified in that it just tracks the 200 largest companies listed in Australia. So you have all the big banks and Woolworths and BHP, so all the big companies listed in Australia. And as the company kind of grows and gets bigger, it gets added to the 200, and something else kind of falls up. Does that make sense? Yep.","start_word":679,"end_word":873,"sentiment":"neutral","sentiment_score":0.1059873104095459},{"text":"Yeah. Perfect. So that is kind of the only change direct swap to your investment.","start_word":874,"end_word":888,"sentiment":"positive","sentiment_score":0.3829738199710846},{"text":"Now Yep. what I have also recommended is just to do a rebalance of the portfolio. Basically, what that means so it's not changing the investments you do have. It is just kind of rebalancing them. So, basically, over time, you know, different investments do perform differently, which can cause, you know, your portfolio to kind of drift away a little bit from their intended asset allocation. So rebalancing basically just means that we are then selling any investments that we have a little bit too much exposure to, buying some that potentially we have a little bit less exposure to at the moment, and just kind of realigning everything back into the target allocation, which just kind of helps manage, you know, your risk profile and also, like, your goals and everything and making sure that everything stays aligned then becoming, you know, more or less risky than intended due to market fluctuations. Does that make sense, Matthew? Yep.","start_word":889,"end_word":1048,"sentiment":"neutral","sentiment_score":0.009990909276530149},{"text":"Yeah. Perfect.","start_word":1049,"end_word":1050,"sentiment":"positive","sentiment_score":0.5066255331039429},{"text":"So that is literally the only changes in regards to the investment. So when you have a look at the recommendation, this is all outlined on page 15 for you. So it might look a little bit messy, but it has all your investments. It also has the current weight that you have in it and then the current balance, so basically just how much you have in it. The next one is kind of like a buy and sell table. What's in red is what we are kind of selling. So Benelon, like I said, completely shifting. Some of the others is just selling, like, a list of it in it and just rebalancing. And then what's black is either what we are kind of buying and rebalancing into that as well. So that kind of makes probably more sense when you have a look at it. Yep. But but, for example, you can see when you have a look at it that with your gold at the moment, it's, like, 9.33. It's just rebalancing back to seven to aligning. IShares, you have about 34 at the moment, just rebalancing down to 30. So it's pretty straightforward, and it's just to kinda make sure we keep everything aligned and that we're not taking too much risk or or less risk kind of. Yep. Yep. Now what that actually looks like for you is summarized in that table as well.","start_word":1051,"end_word":1290,"sentiment":"neutral","sentiment_score":0.12716829776763916},{"text":"That shows you that by doing the investment change and rebalance, it will save you about $431 in fees because the Bennelong is a little bit more expensive than the a 200. So Yep. this is reducing those fees a little bit, which is nice. Now what it also does is it has actually when we're looking at a historical return, it also outperformed your current portfolio.","start_word":1291,"end_word":1357,"sentiment":"positive","sentiment_score":0.4952325224876404},{"text":"So when we are looking at a five year rolling average, your current portfolio has gone about 10.01. The recommended over the same period of time is 12.02. So it's about 2.01% difference, which still kind of adds up when you do compound everything. Yep. Makes sense? Yep.","start_word":1358,"end_word":1405,"sentiment":"neutral","sentiment_score":0.216161385178566},{"text":"Yep. Perfect. Now I have also included, with the returns as well, a twelve month, three year, five year, and ten year period, comparing the two options so that you can see it. And, again, across all time frames, the recommended has, outperformed your current one as well.","start_word":1406,"end_word":1453,"sentiment":"positive","sentiment_score":0.4288472533226013},{"text":"And that's even though we're not making any drastic changes. Yep. Yep. Now one thing I do wanna let you know is that when we do make any changes to investments, so when we are selling investments, there will be some capital gains tax associated with it. So I've tried to minimize that as much as possible. Now with the capital gains tax, it's all taken care of and paid from within the super environment directly. So it's not something that you would have to pay for yourself or launching your tax return or anything like that. It's all just within the super environment. But I do wanna Yep. let you know that that is a a cost when you do make changes to the investment. So what it's estimated for, because it does obviously change with market fluctuations, is about 3 Yep. $108, which Yep.","start_word":1454,"end_word":1599,"sentiment":"neutral","sentiment_score":0.1141621395945549},{"text":"is not too bad given the the fee saving alone is about $431.","start_word":1600,"end_word":1612,"sentiment":"positive","sentiment_score":0.4016948342323303},{"text":"And if I were to do a complete sell, so let's say change everything you have over, the capital gains tax would have been about 8,192. So, obviously, try to minimize that as much as possible, but that Okay. will be around that 380, if that makes sense. Yep. Yep.","start_word":1613,"end_word":1662,"sentiment":"neutral","sentiment_score":0.0191214419901371},{"text":"Yep. Perfect. Now I have then kind of compounded everything forward for five and ten years to show you what a little fee saving and improvement to the return might look like.","start_word":1663,"end_word":1694,"sentiment":"positive","sentiment_score":0.6016764044761658},{"text":"Also, factoring in, obviously, that tax coming out.","start_word":1695,"end_word":1702,"sentiment":"neutral","sentiment_score":0.32620519399642944},{"text":"And even when we're looking at a five year period, again, compounding, you make a difference of about 48,229. So it does make a pretty big difference. Yeah. Definitely. Yeah. Perfect. There's no changes in regards to, obviously, your insurances. There is no changes, like I mentioned, in annual review in regards to that fee structure either. It stays exactly the same. There's no charges. If you are happy to go ahead with the recommendation to make those changes, it is all part of that ongoing service fee that stays the same at that 1.1 from super.","start_word":1703,"end_word":1799,"sentiment":"positive","sentiment_score":0.4609337151050568},{"text":"So, basically, from here is, obviously, when you have a moment, just have a have a read through the document. If you have any questions, just give me a callback, and we can always go through everything.","start_word":1800,"end_word":1836,"sentiment":"neutral","sentiment_score":0.1720108538866043},{"text":"If it's pretty straightforward, though, and you are happy to go ahead to move forward, I will just need you to sign the documents.","start_word":1837,"end_word":1860,"sentiment":"positive","sentiment_score":0.40048515796661377},{"text":"You can do it digitally sim similar to what you did for the under review.","start_word":1861,"end_word":1875,"sentiment":"neutral","sentiment_score":0.27111926674842834},{"text":"That Yep. then lets me know that you are happy to go ahead with the little investment change. It will automatically come back to me, and I will let the team know. So it'll once I sign that, send it back, it'll automatically go to you.","start_word":1876,"end_word":1921,"sentiment":"positive","sentiment_score":0.4799131155014038},{"text":"I don't need to ring you. Correct. Yes. So I'll Okay. get notified. Sorry. If you sign it, I'll get notified right away, and then I will let the team know that you've signed, and we'll go ahead and make that change No worries. for you. So, yeah, you don't need to call me. It's just if you have any questions or anything you wanna talk about. Yep. No worries. Yep.","start_word":1922,"end_word":1992,"sentiment":"neutral","sentiment_score":0.13972566035431874},{"text":"Perfect.","start_word":1993,"end_word":1993,"sentiment":"positive","sentiment_score":0.547139585018158},{"text":"Now, Matthew, do you have any questions in regards to any of that? No. Not really. No. No.","start_word":1994,"end_word":2011,"sentiment":"neutral","sentiment_score":0.08750157058238983},{"text":"Beautiful.","start_word":2012,"end_word":2012,"sentiment":"positive","sentiment_score":0.33434057235717773},{"text":"Like I said, have a read through it. Any questions, let me know. Otherwise, I will keep a lookout for that email to come back. If there is anything, though, that you need at any point in time, don't hesitate to give me a call or send me an email. Okay? No worries.","start_word":2013,"end_word":2065,"sentiment":"neutral","sentiment_score":0.11549469828605652},{"text":"All good. Beautiful. Well, thank you so much for your time today, Matthew, and I hope you enjoy the rest of your afternoon.","start_word":2066,"end_word":2088,"sentiment":"positive","sentiment_score":0.6163547039031982},{"text":"While I have you there, can you Yes. do my wife my wife's as well? Yes. Sorry. Or Let does she me have just to wait or does she have to wait for an annual review or how does it work? yes. Sorry. Let me check here for you. Is Jane there with you? I am. Yep. Oh, hey. How are you? Well, thanks. How are you? Yeah. Good. Thanks. Just wanna make sure for privacy. I don't say it say anything. No. No. You're alright. No. He he can do whatever. That's all good. Perfect. Now, Jane, just so that I can get into your account quickly, could you, just for security as well, just confirm your full name, date of birth, and address, please? Yep. Sure. Jane Marie Whitney, 09/1984. 9 Girawin Drive, Moringaou, New South Wales 2790. Yeah. Beautiful. So, basically, because everything is very targeted to each client, and we wanna make sure we do the research. So what I can do is similar to what I did for Matthew is first go through an annual review, which is where Yep. we kind of go through a bit of a fact find, talk a little bit more about goals, different risk profiles. And then following that, I will do the research again similar to what I did for Matthew and kind of go through that with you if we also need to make any changes to your account. Yeah. So No worries while I at all. have you on the phone, when I wish I could do it right now, but I do have another appointment. No. That's But okay. when when is a good time for you? And I will book that in now while I do have you on the phone. Any day but a Monday. And it preference on mornings or afternoons or pretty flexible. Probably sorta lunchtime ish, if that's okay. Okay. Let me have a look. Yep. So I can do so the rest of the week is pretty full, but I could do either Tuesday or Wednesday next week if either of those days suit. And Yeah. would Can either we of the yeah. do Mhmm. probably the Wednesday, if that's okay? Yeah. What time would work better for you? Around about eleven, if that's alright. We're at eleven. Let me have a look. Yep.","start_word":2089,"end_word":2483,"sentiment":"neutral","sentiment_score":0.1011033797000028},{"text":"Perfect.","start_word":2484,"end_word":2484,"sentiment":"positive","sentiment_score":0.4132871627807617},{"text":"I don't have anything booked, so that's perfect. So that is Wednesday, July 29 at 11AM. I will give you a call, send you some documents to kind of go through with your under review. It's not something you have to prepare for, but just to kind of go through everything with you, and then I'll do similar to what I did with Matthew, which is some preparing advice if we need to make any changes for Yeah. No worries at you. all.","start_word":2485,"end_word":2567,"sentiment":"neutral","sentiment_score":0.15551793575286865},{"text":"Thank you.","start_word":2568,"end_word":2569,"sentiment":"positive","sentiment_score":0.5197189450263977},{"text":"Yep. No.","start_word":2570,"end_word":2571,"sentiment":"neutral","sentiment_score":0.27900344133377075},{"text":"That was very convenient that I had you on the phone because I do have here that we were about to call you since your interview is also up.","start_word":2572,"end_word":2600,"sentiment":"positive","sentiment_score":0.3760260045528412},{"text":"Yeah. So No. that That's was all good. saves another call. Now Yes. if anything does change, Jayden, you can't make the appointment for for whatever reason, just send just send me an email or give the office a call, and we can always get that rescheduled. No worries at all.","start_word":2601,"end_word":2651,"sentiment":"neutral","sentiment_score":0.02920774184167385},{"text":"Thank Yep. you.","start_word":2652,"end_word":2654,"sentiment":"positive","sentiment_score":0.4527495801448822},{"text":"No problem. Well, I will give you a call on Wednesday, the twenty ninth at 11AM. And, Matthew, if you have any questions in regards to that advice, just just let me know. But, otherwise, I'll keep a lookout for that email.","start_word":2655,"end_word":2696,"sentiment":"neutral","sentiment_score":0.18535715341567993},{"text":"No worries. Thank you very much. No problem at all. Thank you so much, guys, and I look forward to speaking with you both soon again. No worries. Thank you.","start_word":2697,"end_word":2726,"sentiment":"positive","sentiment_score":0.6940220594406128},{"text":"No worries. Speak soon. Bye. Bye.","start_word":2727,"end_word":2732,"sentiment":"neutral","sentiment_score":0.22906291484832764}],"average":{"sentiment":"neutral","sentiment_score":0.18178471102468827}}}}