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Is not still a good time for you? Yes. No. That's okay. Not the you didn't get the PDF version either? The two projection tables? No. There should be let me see if I can resend it to you. Because I sent because I know you said you couldn't open the two images that had the actual projections. So I send it in a PDF version as well that should have been attached at the bottom of that email. I can see it here, but do you want me to see if I can just resend it now while I have you on the phone? No. That's okay. Yep. Would you want to go through any of it, or would you like me to call you sometime next week if you've had a time to kind of go through it? Yeah. Of course. Have a bit of a think about it. No. That's okay. That's okay. Can you Mhmm. Yes. Of course. So the first one is going back to the super balance you had when you came on board as a client, which is why the the balance is different. So, obviously, the Australian Super at the time with your default insurances, but we have done employee contributions based on your new income. Current and that was the portfolio performance return at the time as well. Current is when you then moved over to Netwealth at the time. The difference at the top there is the upfront advice that you paid at the time when you came on board for factoring in everything. Advice service fee contributions insurances, the return is at the portfolio that you were invested in the whole time up until recently when we did make the the switch for you. Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today. And the reason is because I know that you made a little bit of extra contribution into it, which hasn't been factored in to show you more of a like for like comparison. And, obviously, if the you didn't have the same income, you know, for the whole duration since you came on board, so there is obviously a bit of discrepancies. But this is kind of the the closest like for like we can do using historical data. Does that make sense? Yeah. Yeah. Almost six. So it's kind of between five and six. So that's why we did the five and six, so a little bit longer. Mhmm. Eight point two five. Now if you then look at the 13.9, that is the change we've recently made with that ROA. So that is with the swap from Bennelong to the a 200. So because we've made that switch already, that would then be the five year rolling average on the new option for you, which is why Yes. Mhmm. Yep. Yeah. So for the new portfolio, we've changed it to or the old one? Yes. Yep. Yep. Yep. So if you go up to the first projection, the five year rolling average is using an average across five years. So that means that some of those years, it would have been higher, some would have been lower. So it's using, like, an average across five years for you? Correct. Yes. And then, obviously, you do have fees and stuff like that as well, which is obviously, it it makes that difference. And on the second projection, so the one that has the 13.9, if you see the difference at the top versus the balance difference, can you see that? So on the second projection where it's, like, the current and then alternative is if you today, like, roll over to Australian super, the difference in the balance there, it's just the tax on the investments that would come out if you do a full sell down. Does that make sense? I'm sorry. On the first row where it says balance, and it says negative yeah. It says minus 4,504. That is the the tax or the capital gains tax. So because your super has grown, your investments have made money, if you sell your investments, you will pay tax similar to, like, an investment property. It isn't a concessional rate, but because your super have gone up, if you do a full sell down, that would be tax coming out of your super of around 4,504, which is the only reason why if you do move to Australian Super, the balance is different, if that makes sense. I can actually go in and have a look if you want. Oh, did Netwalls end up calling you? Because we called them and they said it oh, perfect. You never know. Sometimes they say they do, and I was like, they said twenty four hours, and I was like, I hope they did. Off. Great. Alright. Perfect. Let me just see if I check-in here. Right now, it's a 181,290 9 and 30 9¢. Yeah. Correct. As long as your super have gone up. So when we made the switch for the Benelon, because Benelon was down, we could then offset. So you didn't pay any tax on the Benelon to the a 200 switch because it was down. You only pay tax if it's up. So some of your other investments have been up quite a bit, which is great, which means that if you do a sell down on all of the investments, that would be the tax. But, yes, typically, as your super grow and your investment earnings grow, then you will pay tax on the earnings. Yes. How Australia Super do it? They have it built into the unit of the price. Despite the yes, there will be tax regardless. Yes. It is a bit messy. Yes. Yes. Yes. Yeah. And that's also why we do these updates. And when we are making changes to the portfolio, over the portfolio as, you know, being constructed with diversification and everything that in that is a long term investment. So that is why we want to avoid making changes because of the tax and stuff like that. But if there is a investment that is underperforming and we don't see it come back up or we don't, you know, agree with their philosophy and the management of those investments anymore, then you also don't wanna just leave it for the sake of not paying tax if it's going to not be good for you. So that is why we made, you know, the Bennelong switch, and the others are still doing doing good. Mhmm. Yes. Mhmm. Yeah. And it is hard, and that's why these projections, it is a good indication, but I always do wanna stress that we can't guarantee anything because at the end Yes. Yes. So it is factoring in all the fees with Netwealth. So even when you look on the second table, you can see that that factors in also the difference in, obviously, adviser fee, which you wouldn't have in Australian Super. So it factors in all the fees on a yearly basis, and then you take that away and then obviously the return on the investments. And then there are a lot of math and calculation in the back end through factoring the growth of the investments. So obviously, if you have 13.9% growth of your super balance on a yearly basis, but then you obviously have to take away all the fees because the fees do come out. So it is kind of yeah. So it is Yeah. Yeah. Yeah. Yeah. And it is, you know, it is of course. Yeah. Yeah. And I get it. And as you know, you can also find all this information. So for example, everything's public. So if you go on the AustralianSuper website and you use, like, the pre balanced mix, that is what they have published as the return. Now the thing with AustralianSuper is that the way that their investments are, especially those portfolio options, is that it's like a managed portfolio. So they kind of similar to the Benelung investment in the structure is that they have, you know, a range of different investments. So even though you have one portfolio, you know, there are still different investments within that portfolio. But because it's their little mix of investments, we can't actually see those underlying investments. So all the public information is that, okay, well, it is the pre balanced investment option within AustralianSuper. They obviously keep that secret because otherwise people might start copying and doing that themselves. So you can't actually see the underlying investment. With Netwealth, though, the way things are, it is different in that you have full oversight of the individual investment. So you can actually go and on your account, you can see all the investments. You also have the we call them the API code. You can Google it, but even if you just type the full name. So for example, the iShares Europe ETF, which is one of the investments in your portfolio. You can actually Google it and then find the returns of each and every single one of those investments, which is how we've then used that to get those 13%. So all of that is public. Yeah. Yes. Yes. And that is the job. You know? If everything stayed the same, but if you look at it so when you came on board, you started on seventy six thousand one hundred and thirty '6. This says that after six years, you would have a 151,951. But you haven't you haven't quite been there for six years yet, Yet you see the balance is at a 181,000. So it is harder to do the historical because there is things that's changed. Obviously, you have your Neos insurances as well coming out, which is more expensive than your Australian super default insurances. So it is a bit tricky with the historical to get it accurate. But even if you look at okay. When you came on board, you had seventy six thousand one hundred and thirty six. And today, after about I think it's been about five and a half years, you have a hundred and eighty one thousand two hundred and ninety nine. Yes. Contributions. Yes. So contributions, obviously, investment. Yes. It's a bit of both, but, yes, obviously, if you didn't make any extra contributions at all, then you wouldn't be as high super balance as you are today. And then, obviously, when you did make the contribution because everything compounds. So the earlier you made the additional contributions, the quicker your super balance is going to grow because it is still growing and compounding. So it is does that make sense? Yeah. Yep. With the old portfolio? Yes. No. That's okay. I know it's a yeah. Would you like me to schedule in a call, or are you happy for the team to, like, reach out in, like, a week or so to see if you have any questions and what your thoughts are? Or do you wanna send me an email? Yep. Cool. Perfect. Do you want anything scheduled in, or you're happy for for the team to kind of just give you a call to see? And if you don't have any yes. Okay. Perfect. And if you do have any other further questions, sorry, you can just send me an email or or send me you know, give me a call. But otherwise, we'll obviously leave that all with you. Obviously, at the end of the day, there's no lock in contract. So if it is that you decide that you want to give the new portfolio a little go and see how things are, there is no lock in contract. Same goes there. It's ultimately completely up to you. We want you to be comfortable and be having that trust as well. So if you feel like, you know, this isn't for you, there is no lock in contract. There's no exit fees and stuff like that for us. Obviously, just the capital gains tax on your investment, but for us, there's no exit fees or anything like that. So, obviously, take your time to have a read over it, and just let us know what you wanna do at the end of the day. Yep. No problem at all. We'll speak soon, and I hope you enjoy the rest of your day. Thanks, Candice. 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This is Veronica from Achieve Financial. How are you? Yeah. Good.\n\nThanks. I just have you booked in for a bit of a follow-up after our last conversation. Is not still a good time for you? Yes. No.\n\nThat's okay. Not the you didn't get the PDF version either? The two projection tables? No. There should be let me see if I can resend it to you.\n\nBecause I sent because I know you said you couldn't open the two images that had the actual projections. So I send it in a PDF version as well that should have been attached at the bottom of that email. I can see it here, but do you want me to see if I can just resend it now while I have you on the phone? No. That's okay.\n\nYep. Would you want to go through any of it, or would you like me to call you sometime next week if you've had a time to kind of go through it? Yeah. Of course. Have a bit of a think about it.\n\nNo. That's okay. That's okay. Can you Mhmm. Yes.\n\nOf course. So the first one is going back to the super balance you had when you came on board as a client, which is why the the balance is different. So, obviously, the Australian Super at the time with your default insurances, but we have done employee contributions based on your new income. Current and that was the portfolio performance return at the time as well. Current is when you then moved over to Netwealth at the time.\n\nThe difference at the top there is the upfront advice that you paid at the time when you came on board for factoring in everything. Advice service fee contributions insurances, the return is at the portfolio that you were invested in the whole time up until recently when we did make the the switch for you. Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today. And the reason is because I know that you made a little bit of extra contribution into it, which hasn't been factored in to show you more of a like for like comparison. And, obviously, if the you didn't have the same income, you know, for the whole duration since you came on board, so there is obviously a bit of discrepancies.\n\nBut this is kind of the the closest like for like we can do using historical data. Does that make sense? Yeah. Yeah. Almost six.\n\nSo it's kind of between five and six. So that's why we did the five and six, so a little bit longer. Mhmm. Eight point two five. Now if you then look at the 13.9, that is the change we've recently made with that ROA.\n\nSo that is with the swap from Bennelong to the a 200. So because we've made that switch already, that would then be the five year rolling average on the new option for you, which is why Yes. Mhmm. Yep. Yeah.\n\nSo for the new portfolio, we've changed it to or the old one? Yes. Yep. Yep. Yep.\n\nSo if you go up to the first projection, the five year rolling average is using an average across five years. So that means that some of those years, it would have been higher, some would have been lower. So it's using, like, an average across five years for you? Correct. Yes.\n\nAnd then, obviously, you do have fees and stuff like that as well, which is obviously, it it makes that difference. And on the second projection, so the one that has the 13.9, if you see the difference at the top versus the balance difference, can you see that? So on the second projection where it's, like, the current and then alternative is if you today, like, roll over to Australian super, the difference in the balance there, it's just the tax on the investments that would come out if you do a full sell down. Does that make sense? I'm sorry.\n\nOn the first row where it says balance, and it says negative yeah. It says minus 4,504. That is the the tax or the capital gains tax. So because your super has grown, your investments have made money, if you sell your investments, you will pay tax similar to, like, an investment property. It isn't a concessional rate, but because your super have gone up, if you do a full sell down, that would be tax coming out of your super of around 4,504, which is the only reason why if you do move to Australian Super, the balance is different, if that makes sense.\n\nI can actually go in and have a look if you want. Oh, did Netwalls end up calling you? Because we called them and they said it oh, perfect. You never know. Sometimes they say they do, and I was like, they said twenty four hours, and I was like, I hope they did.\n\nOff. Great. Alright. Perfect. Let me just see if I check-in here.\n\nRight now, it's a 181,290 9 and 30 9¢. Yeah. Correct. As long as your super have gone up. So when we made the switch for the Benelon, because Benelon was down, we could then offset.\n\nSo you didn't pay any tax on the Benelon to the a 200 switch because it was down. You only pay tax if it's up. So some of your other investments have been up quite a bit, which is great, which means that if you do a sell down on all of the investments, that would be the tax. But, yes, typically, as your super grow and your investment earnings grow, then you will pay tax on the earnings. Yes.\n\nHow Australia Super do it? They have it built into the unit of the price. Despite the yes, there will be tax regardless. Yes. It is a bit messy.\n\nYes. Yes. Yes. Yeah. And that's also why we do these updates.\n\nAnd when we are making changes to the portfolio, over the portfolio as, you know, being constructed with diversification and everything that in that is a long term investment. So that is why we want to avoid making changes because of the tax and stuff like that. But if there is a investment that is underperforming and we don't see it come back up or we don't, you know, agree with their philosophy and the management of those investments anymore, then you also don't wanna just leave it for the sake of not paying tax if it's going to not be good for you. So that is why we made, you know, the Bennelong switch, and the others are still doing doing good. Mhmm.\n\nYes. Mhmm. Yeah. And it is hard, and that's why these projections, it is a good indication, but I always do wanna stress that we can't guarantee anything because at the end Yes. Yes.\n\nSo it is factoring in all the fees with Netwealth. So even when you look on the second table, you can see that that factors in also the difference in, obviously, adviser fee, which you wouldn't have in Australian Super. So it factors in all the fees on a yearly basis, and then you take that away and then obviously the return on the investments. And then there are a lot of math and calculation in the back end through factoring the growth of the investments. So obviously, if you have 13.9% growth of your super balance on a yearly basis, but then you obviously have to take away all the fees because the fees do come out.\n\nSo it is kind of yeah. So it is Yeah. Yeah. Yeah. Yeah.\n\nAnd it is, you know, it is of course. Yeah. Yeah. And I get it. And as you know, you can also find all this information.\n\nSo for example, everything's public. So if you go on the AustralianSuper website and you use, like, the pre balanced mix, that is what they have published as the return. Now the thing with AustralianSuper is that the way that their investments are, especially those portfolio options, is that it's like a managed portfolio. So they kind of similar to the Benelung investment in the structure is that they have, you know, a range of different investments. So even though you have one portfolio, you know, there are still different investments within that portfolio.\n\nBut because it's their little mix of investments, we can't actually see those underlying investments. So all the public information is that, okay, well, it is the pre balanced investment option within AustralianSuper. They obviously keep that secret because otherwise people might start copying and doing that themselves. So you can't actually see the underlying investment. With Netwealth, though, the way things are, it is different in that you have full oversight of the individual investment.\n\nSo you can actually go and on your account, you can see all the investments. You also have the we call them the API code. You can Google it, but even if you just type the full name. So for example, the iShares Europe ETF, which is one of the investments in your portfolio. You can actually Google it and then find the returns of each and every single one of those investments, which is how we've then used that to get those 13%.\n\nSo all of that is public. Yeah. Yes. Yes. And that is the job.\n\nYou know? If everything stayed the same, but if you look at it so when you came on board, you started on seventy six thousand one hundred and thirty '6. This says that after six years, you would have a 151,951. But you haven't you haven't quite been there for six years yet, Yet you see the balance is at a 181,000. So it is harder to do the historical because there is things that's changed.\n\nObviously, you have your Neos insurances as well coming out, which is more expensive than your Australian super default insurances. So it is a bit tricky with the historical to get it accurate. But even if you look at okay. When you came on board, you had seventy six thousand one hundred and thirty six. And today, after about I think it's been about five and a half years, you have a hundred and eighty one thousand two hundred and ninety nine.\n\nYes. Contributions. Yes. So contributions, obviously, investment. Yes.\n\nIt's a bit of both, but, yes, obviously, if you didn't make any extra contributions at all, then you wouldn't be as high super balance as you are today. And then, obviously, when you did make the contribution because everything compounds. So the earlier you made the additional contributions, the quicker your super balance is going to grow because it is still growing and compounding. So it is does that make sense? Yeah.\n\nYep. With the old portfolio? Yes. No. That's okay.\n\nI know it's a yeah. Would you like me to schedule in a call, or are you happy for the team to, like, reach out in, like, a week or so to see if you have any questions and what your thoughts are? Or do you wanna send me an email? Yep. Cool.\n\nPerfect. Do you want anything scheduled in, or you're happy for for the team to kind of just give you a call to see? And if you don't have any yes. Okay. Perfect.\n\nAnd if you do have any other further questions, sorry, you can just send me an email or or send me you know, give me a call. But otherwise, we'll obviously leave that all with you. Obviously, at the end of the day, there's no lock in contract. So if it is that you decide that you want to give the new portfolio a little go and see how things are, there is no lock in contract. Same goes there.\n\nIt's ultimately completely up to you. We want you to be comfortable and be having that trust as well. So if you feel like, you know, this isn't for you, there is no lock in contract. There's no exit fees and stuff like that for us. Obviously, just the capital gains tax on your investment, but for us, there's no exit fees or anything like that.\n\nSo, obviously, take your time to have a read over it, and just let us know what you wanna do at the end of the day. Yep. No problem at all. We'll speak soon, and I hope you enjoy the rest of your day. Thanks, Candice.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Candice.","start":2.8799999,"end":3.9199998,"sentiment":"positive","sentiment_score":0.4232284724712372},{"text":"This is Veronica from Achieve Financial.","start":3.9199998,"end":6.02,"sentiment":"positive","sentiment_score":0.4035676419734955},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.31398047010103863},{"text":"Yeah.","start":9.36,"end":9.679999,"sentiment":"neutral","sentiment_score":0.22966858744621277},{"text":"Good.","start":9.679999,"end":10.16,"sentiment":"positive","sentiment_score":0.4562360942363739}],"sentiment":"positive","sentiment_score":0.3799240972314562,"num_words":14,"start":2.8799999,"end":10.16},{"sentences":[{"text":"Thanks.","start":10.16,"end":10.66,"sentiment":"positive","sentiment_score":0.4693033695220947},{"text":"I just have you booked in for a bit of a follow-up after our last conversation.","start":11.84,"end":16.025,"sentiment":"neutral","sentiment_score":0.0949244275689125},{"text":"Is not still a good time for you?","start":16.245,"end":17.945,"sentiment":"neutral","sentiment_score":-0.05934999091550708},{"text":"Yes.","start":26.244999,"end":26.744999,"sentiment":"neutral","sentiment_score":-0.05042487382888794},{"text":"No.","start":30.99,"end":31.310001,"sentiment":"neutral","sentiment_score":-0.12243902683258057}],"sentiment":"neutral","sentiment_score":0.04964556972737665,"num_words":27,"start":10.16,"end":31.310001},{"sentences":[{"text":"That's okay.","start":31.310001,"end":31.95,"sentiment":"neutral","sentiment_score":-0.07325305417180061},{"text":"Not the you didn't get the PDF version either?","start":31.95,"end":34.77,"sentiment":"neutral","sentiment_score":-0.1292563560936186},{"text":"The two projection tables?","start":45.465,"end":47.085,"sentiment":"neutral","sentiment_score":-0.017571785487234592},{"text":"No.","start":56.02,"end":56.34,"sentiment":"neutral","sentiment_score":-0.20387618243694303},{"text":"There should be let me see if I can resend it to you.","start":56.34,"end":59.72,"sentiment":"neutral","sentiment_score":-0.18559172176397765}],"sentiment":"neutral","sentiment_score":-0.13781617312081929,"num_words":29,"start":31.310001,"end":59.72},{"sentences":[{"text":"Because I sent because I know you said you couldn't open the two images that had the actual projections.","start":59.86,"end":66.119995,"sentiment":"neutral","sentiment_score":-0.2045465017619886},{"text":"So I send it in a PDF version as well that should have been attached at the bottom of that email.","start":67.575,"end":77.034996,"sentiment":"neutral","sentiment_score":-0.07505377665871665},{"text":"I can see it here, but do you want me to see if I can just resend it now while I have you on the phone?","start":77.735,"end":82.555,"sentiment":"neutral","sentiment_score":-0.06412787269800901},{"text":"No.","start":85.55,"end":85.71,"sentiment":"neutral","sentiment_score":-0.0824553370475769},{"text":"That's okay.","start":85.71,"end":86.53,"sentiment":"neutral","sentiment_score":-0.04186192527413368}],"sentiment":"neutral","sentiment_score":-0.10573937276891177,"num_words":69,"start":59.86,"end":86.53},{"sentences":[{"text":"Yep.","start":90.270004,"end":90.770004,"sentiment":"neutral","sentiment_score":0.09328427910804749},{"text":"Would you want to go through any of it, or would you like me to call you sometime next week if you've had a time to kind of go through it?","start":92.11,"end":100.175,"sentiment":"neutral","sentiment_score":0.02827730519516814},{"text":"Yeah.","start":100.315,"end":100.635,"sentiment":"neutral","sentiment_score":0.012291460298001766},{"text":"Of course.","start":100.635,"end":101.375,"sentiment":"neutral","sentiment_score":0.014005324803292751},{"text":"Have a bit of a think about it.","start":104.475,"end":106.175,"sentiment":"neutral","sentiment_score":0.032997305039316416}],"sentiment":"neutral","sentiment_score":0.029631657915752986,"num_words":43,"start":90.270004,"end":106.175},{"sentences":[{"text":"No.","start":107.595,"end":108.095,"sentiment":"neutral","sentiment_score":0.02761036530137062},{"text":"That's okay.","start":108.155,"end":109.055,"sentiment":"neutral","sentiment_score":0.03440879099071026},{"text":"That's okay.","start":111.034996,"end":111.854996,"sentiment":"neutral","sentiment_score":0.1343134045600891},{"text":"Can you Mhmm.","start":111.915,"end":123.43,"sentiment":"neutral","sentiment_score":0.026157416015242536},{"text":"Yes.","start":128.635,"end":128.955,"sentiment":"neutral","sentiment_score":0.10911141335964204}],"sentiment":"neutral","sentiment_score":0.061404268645371,"num_words":9,"start":107.595,"end":128.955},{"sentences":[{"text":"Of course.","start":128.955,"end":129.435,"sentiment":"neutral","sentiment_score":0.10125289112329483},{"text":"So the first one is going back to the super balance you had when you came on board as a client, which is why the the balance is different.","start":129.435,"end":137.775,"sentiment":"neutral","sentiment_score":0.07016995741889395},{"text":"So, obviously, the Australian Super at the time with your default insurances, but we have done employee contributions based on your new income.","start":138.23001,"end":147.77,"sentiment":"neutral","sentiment_score":0.13083844372759695},{"text":"Current and that was the portfolio performance return at the time as well.","start":150.16501,"end":155.865,"sentiment":"neutral","sentiment_score":0.19302847236394882},{"text":"Current is when you then moved over to Netwealth at the time.","start":156.965,"end":162.505,"sentiment":"neutral","sentiment_score":0.10821490610639255}],"sentiment":"neutral","sentiment_score":0.11461604768528214,"num_words":79,"start":128.955,"end":162.505},{"sentences":[{"text":"The difference at the top there is the upfront advice that you paid at the time when you came on board for factoring in everything.","start":162.85,"end":169.51001,"sentiment":"neutral","sentiment_score":0.12593321979045868},{"text":"Advice service fee contributions insurances, the return is at the portfolio that you were invested in the whole time up until recently when we did make the the switch for you.","start":170.77,"end":185.22499,"sentiment":"neutral","sentiment_score":0.16287869623591822},{"text":"Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today.","start":185.765,"end":197.12,"sentiment":"neutral","sentiment_score":-0.2611634564219099},{"text":"And the reason is because I know that you made a little bit of extra contribution into it, which hasn't been factored in to show you more of a like for like comparison.","start":198.22,"end":209.905,"sentiment":"neutral","sentiment_score":-0.1627176794590372},{"text":"And, obviously, if the you didn't have the same income, you know, for the whole duration since you came on board, so there is obviously a bit of discrepancies.","start":210.52501,"end":219.105,"sentiment":"neutral","sentiment_score":-0.19518988271211757}],"sentiment":"neutral","sentiment_score":-0.07583452983210419,"num_words":151,"start":162.85,"end":219.105},{"sentences":[{"text":"But this is kind of the the closest like for like we can do using historical data.","start":220.01,"end":227.95,"sentiment":"neutral","sentiment_score":-0.151355076362105},{"text":"Does that make sense?","start":228.17,"end":229.39,"sentiment":"neutral","sentiment_score":0.02144133299589157},{"text":"Yeah.","start":231.20999,"end":231.70999,"sentiment":"neutral","sentiment_score":-0.0062524545937776566},{"text":"Yeah.","start":244.74,"end":245.22,"sentiment":"neutral","sentiment_score":0.017670439556241035},{"text":"Almost six.","start":245.22,"end":246.26,"sentiment":"neutral","sentiment_score":0.004167483188211918}],"sentiment":"neutral","sentiment_score":-0.09870072059333325,"num_words":25,"start":220.01,"end":246.26},{"sentences":[{"text":"So it's kind of between five and six.","start":246.26,"end":248.1,"sentiment":"neutral","sentiment_score":0.0016507117543369532},{"text":"So that's why we did the five and six, so a little bit longer.","start":248.1,"end":251.16,"sentiment":"neutral","sentiment_score":-0.010543249547481537},{"text":"Mhmm.","start":251.54,"end":252.04,"sentiment":"neutral","sentiment_score":0.044002972543239594},{"text":"Eight point two five.","start":267.815,"end":269.435,"sentiment":"neutral","sentiment_score":0.004994953516870737},{"text":"Now if you then look at the 13.9, that is the change we've recently made with that ROA.","start":269.94,"end":277.08002,"sentiment":"neutral","sentiment_score":0.05491484091099766}],"sentiment":"neutral","sentiment_score":0.020401113852858543,"num_words":45,"start":246.26,"end":277.08002},{"sentences":[{"text":"So that is with the swap from Bennelong to the a 200.","start":277.62003,"end":283.40002,"sentiment":"neutral","sentiment_score":0.1364637197305759},{"text":"So because we've made that switch already, that would then be the five year rolling average on the new option for you, which is why Yes.","start":284.095,"end":297.28,"sentiment":"neutral","sentiment_score":0.1558922636680878},{"text":"Mhmm.","start":307.1,"end":307.26,"sentiment":"neutral","sentiment_score":0.10462629050016405},{"text":"Yep.","start":307.26,"end":307.76,"sentiment":"neutral","sentiment_score":0.14231202006340027},{"text":"Yeah.","start":314.44498,"end":314.845,"sentiment":"neutral","sentiment_score":0.03470698744058609}],"sentiment":"neutral","sentiment_score":0.14566850707661816,"num_words":41,"start":277.62003,"end":314.845},{"sentences":[{"text":"So for the new portfolio, we've changed it to or the old one?","start":314.845,"end":319.26498,"sentiment":"neutral","sentiment_score":-0.007271459361968132},{"text":"Yes.","start":330.75,"end":331.25,"sentiment":"neutral","sentiment_score":0.12471247464418413},{"text":"Yep.","start":333.55002,"end":334.05002,"sentiment":"neutral","sentiment_score":0.11737464368343352},{"text":"Yep.","start":335.71503,"end":336.21503,"sentiment":"neutral","sentiment_score":0.09303408861160278},{"text":"Yep.","start":339.795,"end":340.195,"sentiment":"neutral","sentiment_score":0.10203830897808076}],"sentiment":"neutral","sentiment_score":0.02015473789480679,"num_words":17,"start":314.845,"end":340.195},{"sentences":[{"text":"So if you go up to the first projection, the five year rolling average is using an average across five years.","start":340.195,"end":346.45502,"sentiment":"neutral","sentiment_score":0.07988314596670014},{"text":"So that means that some of those years, it would have been higher, some would have been lower.","start":346.75,"end":351.41,"sentiment":"neutral","sentiment_score":-0.005680849154790243},{"text":"So it's using, like, an average across five years for you?","start":351.63,"end":355.72998,"sentiment":"neutral","sentiment_score":0.1245367019013925},{"text":"Correct.","start":360.155,"end":360.655,"sentiment":"neutral","sentiment_score":0.12406668812036514},{"text":"Yes.","start":361.515,"end":362.015,"sentiment":"neutral","sentiment_score":0.18112705647945404}],"sentiment":"neutral","sentiment_score":0.06250746626980029,"num_words":52,"start":340.195,"end":362.015},{"sentences":[{"text":"And then, obviously, you do have fees and stuff like that as well, which is obviously, it it makes that difference.","start":363.995,"end":371.215,"sentiment":"neutral","sentiment_score":0.08673488490638279},{"text":"And on the second projection, so the one that has the 13.9, if you see the difference at the top versus the balance difference, can you see that?","start":371.915,"end":385.77002,"sentiment":"neutral","sentiment_score":-0.004957160712885005},{"text":"So on the second projection where it's, like, the current and then alternative is if you today, like, roll over to Australian super, the difference in the balance there, it's just the tax on the investments that would come out if you do a full sell down.","start":387.625,"end":403.38,"sentiment":"neutral","sentiment_score":-0.055392385420805594},{"text":"Does that make sense?","start":404.88,"end":406.02002,"sentiment":"neutral","sentiment_score":-0.06287944037467241},{"text":"I'm sorry.","start":410.56,"end":411.2,"sentiment":"neutral","sentiment_score":-0.09337856248021126}],"sentiment":"neutral","sentiment_score":-0.013324361942781537,"num_words":102,"start":363.995,"end":411.2},{"sentences":[{"text":"On the first row where it says balance, and it says negative yeah.","start":411.2,"end":417.245,"sentiment":"neutral","sentiment_score":-0.06892255005928186},{"text":"It says minus 4,504.","start":417.245,"end":420.465,"sentiment":"neutral","sentiment_score":-0.026039743795990944},{"text":"That is the the tax or the capital gains tax.","start":421.245,"end":425.005,"sentiment":"neutral","sentiment_score":-0.058409422263503076},{"text":"So because your super has grown, your investments have made money, if you sell your investments, you will pay tax similar to, like, an investment property.","start":425.005,"end":434.81,"sentiment":"neutral","sentiment_score":-0.05981629040951912},{"text":"It isn't a concessional rate, but because your super have gone up, if you do a full sell down, that would be tax coming out of your super of around 4,504, which is the only reason why if you do move to Australian Super, the balance is different, if that makes sense.","start":435.75,"end":454.535,"sentiment":"neutral","sentiment_score":-0.059212365617545754}],"sentiment":"neutral","sentiment_score":-0.05922393248904319,"num_words":105,"start":411.2,"end":454.535},{"sentences":[{"text":"I can actually go in and have a look if you want.","start":469.185,"end":471.685,"sentiment":"neutral","sentiment_score":0.05712238295624653},{"text":"Oh, did Netwalls end up calling you?","start":473.585,"end":475.345,"sentiment":"neutral","sentiment_score":0.011249256985528129},{"text":"Because we called them and they said it oh, perfect.","start":475.345,"end":478.085,"sentiment":"neutral","sentiment_score":0.0034581546671688555},{"text":"You never know.","start":478.465,"end":479.10498,"sentiment":"neutral","sentiment_score":0.006573084741830826},{"text":"Sometimes they say they do, and I was like, they said twenty four hours, and I was like, I hope they did.","start":479.10498,"end":483.365,"sentiment":"neutral","sentiment_score":-0.014349756847051058}],"sentiment":"neutral","sentiment_score":0.009311473048809502,"num_words":54,"start":469.185,"end":483.365},{"sentences":[{"text":"Off.","start":486.84,"end":487.24,"sentiment":"neutral","sentiment_score":0.15037386119365692},{"text":"Great.","start":487.24,"end":487.74,"sentiment":"neutral","sentiment_score":0.3275851309299469},{"text":"Alright.","start":488.19998,"end":488.52,"sentiment":"neutral","sentiment_score":0.24216708540916443},{"text":"Perfect.","start":488.52,"end":488.91998,"sentiment":"neutral","sentiment_score":0.2875736355781555},{"text":"Let me just see if I check-in here.","start":488.91998,"end":491.1,"sentiment":"neutral","sentiment_score":0.09993036929517984}],"sentiment":"neutral","sentiment_score":0.15059522228936353,"num_words":12,"start":486.84,"end":491.1},{"sentences":[{"text":"Right now, it's a 181,290 9 and 30 9¢.","start":497.47998,"end":504.745,"sentiment":"neutral","sentiment_score":0.05182750569656491},{"text":"Yeah.","start":504.88498,"end":505.38498,"sentiment":"neutral","sentiment_score":0.002268812619149685},{"text":"Correct.","start":516.96,"end":517.36,"sentiment":"neutral","sentiment_score":0.3024805188179016},{"text":"As long as your super have gone up.","start":517.36,"end":519.04,"sentiment":"neutral","sentiment_score":0.22309461049735546},{"text":"So when we made the switch for the Benelon, because Benelon was down, we could then offset.","start":519.04,"end":524.48,"sentiment":"neutral","sentiment_score":0.18225052558323918}],"sentiment":"neutral","sentiment_score":0.16006814845438513,"num_words":36,"start":497.47998,"end":524.48},{"sentences":[{"text":"So you didn't pay any tax on the Benelon to the a 200 switch because it was down.","start":524.48,"end":530.385,"sentiment":"neutral","sentiment_score":0.16169830287496248},{"text":"You only pay tax if it's up.","start":530.385,"end":532.885,"sentiment":"neutral","sentiment_score":0.12446951866149902},{"text":"So some of your other investments have been up quite a bit, which is great, which means that if you do a sell down on all of the investments, that would be the tax.","start":533.185,"end":543.665,"sentiment":"positive","sentiment_score":0.4354820041095509},{"text":"But, yes, typically, as your super grow and your investment earnings grow, then you will pay tax on the earnings.","start":543.665,"end":552.19,"sentiment":"neutral","sentiment_score":0.1643333412706852},{"text":"Yes.","start":559.625,"end":560.125,"sentiment":"neutral","sentiment_score":0.057732462882995605}],"sentiment":"neutral","sentiment_score":0.27415804388001563,"num_words":80,"start":524.48,"end":560.125},{"sentences":[{"text":"How Australia Super do it?","start":560.265,"end":562.445,"sentiment":"neutral","sentiment_score":0.07771608680486679},{"text":"They have it built into the unit of the price.","start":565.065,"end":568.205,"sentiment":"neutral","sentiment_score":0.11289948299527168},{"text":"Despite the yes, there will be tax regardless.","start":568.905,"end":571.16504,"sentiment":"neutral","sentiment_score":-0.0895783118903637},{"text":"Yes.","start":571.305,"end":571.805,"sentiment":"neutral","sentiment_score":0.001878935843706131},{"text":"It is a bit messy.","start":576.47003,"end":577.61005,"sentiment":"neutral","sentiment_score":-0.3224913001060486}],"sentiment":"neutral","sentiment_score":-0.027918234339048123,"num_words":29,"start":560.265,"end":577.61005},{"sentences":[{"text":"Yes.","start":589.64496,"end":590.14496,"sentiment":"neutral","sentiment_score":-0.0037361346185207367},{"text":"Yes.","start":591.32495,"end":591.82495,"sentiment":"neutral","sentiment_score":-0.021476373076438904},{"text":"Yes.","start":594.045,"end":594.545,"sentiment":"neutral","sentiment_score":-0.13913212716579437},{"text":"Yeah.","start":595.96497,"end":596.46497,"sentiment":"neutral","sentiment_score":-0.1114168018102646},{"text":"And that's also why we do these updates.","start":599.64496,"end":601.805,"sentiment":"neutral","sentiment_score":0.019706718157976866}],"sentiment":"neutral","sentiment_score":-0.009842307617266973,"num_words":12,"start":589.64496,"end":601.805},{"sentences":[{"text":"And when we are making changes to the portfolio, over the portfolio as, you know, being constructed with diversification and everything that in that is a long term investment.","start":601.805,"end":611.89996,"sentiment":"neutral","sentiment_score":0.024322289459664245},{"text":"So that is why we want to avoid making changes because of the tax and stuff like that.","start":611.89996,"end":618.465,"sentiment":"neutral","sentiment_score":-0.23931257757875654},{"text":"But if there is a investment that is underperforming and we don't see it come back up or we don't, you know, agree with their philosophy and the management of those investments anymore, then you also don't wanna just leave it for the sake of not paying tax if it's going to not be good for you.","start":618.625,"end":634.98,"sentiment":"neutral","sentiment_score":-0.30250234823477895},{"text":"So that is why we made, you know, the Bennelong switch, and the others are still doing doing good.","start":635.12,"end":642.26,"sentiment":"positive","sentiment_score":0.49128834569924756},{"text":"Mhmm.","start":646.945,"end":647.445,"sentiment":"neutral","sentiment_score":-0.007387255318462849}],"sentiment":"neutral","sentiment_score":-0.0928856656330848,"num_words":124,"start":601.805,"end":647.445},{"sentences":[{"text":"Yes.","start":650.865,"end":651.365,"sentiment":"neutral","sentiment_score":0.051215045154094696},{"text":"Mhmm.","start":659.665,"end":660.165,"sentiment":"neutral","sentiment_score":-0.08378934860229492},{"text":"Yeah.","start":672.93,"end":673.43,"sentiment":"neutral","sentiment_score":-0.09664493799209596},{"text":"And it is hard, and that's why these projections, it is a good indication, but I always do wanna stress that we can't guarantee anything because at the end Yes.","start":673.64496,"end":696.43,"sentiment":"neutral","sentiment_score":-0.1378062625726064},{"text":"Yes.","start":696.43,"end":696.82996,"sentiment":"neutral","sentiment_score":0.11242271959781648}],"sentiment":"neutral","sentiment_score":-0.12208777644178447,"num_words":34,"start":650.865,"end":696.82996},{"sentences":[{"text":"So it is factoring in all the fees with Netwealth.","start":696.82996,"end":701.105,"sentiment":"neutral","sentiment_score":0.12250382155179977},{"text":"So even when you look on the second table, you can see that that factors in also the difference in, obviously, adviser fee, which you wouldn't have in Australian Super.","start":701.165,"end":709.505,"sentiment":"neutral","sentiment_score":0.049229644301037},{"text":"So it factors in all the fees on a yearly basis, and then you take that away and then obviously the return on the investments.","start":710.045,"end":719.36,"sentiment":"neutral","sentiment_score":0.04599006161093712},{"text":"And then there are a lot of math and calculation in the back end through factoring the growth of the investments.","start":720.45996,"end":726.16,"sentiment":"neutral","sentiment_score":0.05394240486479941},{"text":"So obviously, if you have 13.9% growth of your super balance on a yearly basis, but then you obviously have to take away all the fees because the fees do come out.","start":726.3,"end":737.23505,"sentiment":"neutral","sentiment_score":-0.05007910029962659}],"sentiment":"neutral","sentiment_score":0.02866049472368875,"num_words":118,"start":696.82996,"end":737.23505},{"sentences":[{"text":"So it is kind of yeah.","start":738.17505,"end":740.575,"sentiment":"neutral","sentiment_score":-0.056056793158253036},{"text":"So it is Yeah.","start":740.575,"end":760.04504,"sentiment":"neutral","sentiment_score":-0.04926903825253248},{"text":"Yeah.","start":764.505,"end":765.005,"sentiment":"neutral","sentiment_score":0.03602008894085884},{"text":"Yeah.","start":766.745,"end":767.245,"sentiment":"neutral","sentiment_score":0.09819111973047256},{"text":"Yeah.","start":772.8,"end":773.3,"sentiment":"neutral","sentiment_score":0.07495465874671936}],"sentiment":"neutral","sentiment_score":-0.024942388041661337,"num_words":13,"start":738.17505,"end":773.3},{"sentences":[{"text":"And it is, you know, it is of course.","start":774.8,"end":778.82,"sentiment":"neutral","sentiment_score":0.14967019110918045},{"text":"Yeah.","start":779.60004,"end":780.10004,"sentiment":"neutral","sentiment_score":0.1857461929321289},{"text":"Yeah.","start":781.2,"end":781.7,"sentiment":"neutral","sentiment_score":0.17700251936912537},{"text":"And I get it.","start":781.76,"end":782.56,"sentiment":"neutral","sentiment_score":0.1508771926164627},{"text":"And as you know, you can also find all this information.","start":782.56,"end":787.90497,"sentiment":"neutral","sentiment_score":0.08027315072037956}],"sentiment":"neutral","sentiment_score":0.12293437925668863,"num_words":26,"start":774.8,"end":787.90497},{"sentences":[{"text":"So for example, everything's public.","start":787.90497,"end":790.725,"sentiment":"neutral","sentiment_score":0.07807578071951866},{"text":"So if you go on the AustralianSuper website and you use, like, the pre balanced mix, that is what they have published as the return.","start":790.865,"end":799.44495,"sentiment":"neutral","sentiment_score":0.087493294775486},{"text":"Now the thing with AustralianSuper is that the way that their investments are, especially those portfolio options, is that it's like a managed portfolio.","start":800.95996,"end":809.06,"sentiment":"neutral","sentiment_score":0.05191313506414493},{"text":"So they kind of similar to the Benelung investment in the structure is that they have, you know, a range of different investments.","start":809.68,"end":816.015,"sentiment":"neutral","sentiment_score":0.049450007469757744},{"text":"So even though you have one portfolio, you know, there are still different investments within that portfolio.","start":816.015,"end":822.415,"sentiment":"neutral","sentiment_score":0.00943556340301738}],"sentiment":"neutral","sentiment_score":0.05448277940616963,"num_words":94,"start":787.90497,"end":822.415},{"sentences":[{"text":"But because it's their little mix of investments, we can't actually see those underlying investments.","start":822.415,"end":828.99,"sentiment":"neutral","sentiment_score":-0.04947933653990428},{"text":"So all the public information is that, okay, well, it is the pre balanced investment option within AustralianSuper.","start":829.69,"end":836.99,"sentiment":"neutral","sentiment_score":0.03850212631126245},{"text":"They obviously keep that secret because otherwise people might start copying and doing that themselves.","start":837.45,"end":842.495,"sentiment":"neutral","sentiment_score":-0.06418966278433799},{"text":"So you can't actually see the underlying investment.","start":842.955,"end":845.935,"sentiment":"neutral","sentiment_score":-0.04330631345510483},{"text":"With Netwealth, though, the way things are, it is different in that you have full oversight of the individual investment.","start":846.155,"end":852.075,"sentiment":"neutral","sentiment_score":0.1035128429532051}],"sentiment":"neutral","sentiment_score":0.00936591625213623,"num_words":76,"start":822.415,"end":852.075},{"sentences":[{"text":"So you can actually go and on your account, you can see all the investments.","start":852.075,"end":857.13,"sentiment":"neutral","sentiment_score":0.17901935825745266},{"text":"You also have the we call them the API code.","start":857.13,"end":860.65,"sentiment":"neutral","sentiment_score":0.12913924008607863},{"text":"You can Google it, but even if you just type the full name.","start":860.65,"end":863.37,"sentiment":"neutral","sentiment_score":0.063949772514976},{"text":"So for example, the iShares Europe ETF, which is one of the investments in your portfolio.","start":863.37,"end":868.835,"sentiment":"neutral","sentiment_score":0.17123585985973477},{"text":"You can actually Google it and then find the returns of each and every single one of those investments, which is how we've then used that to get those 13%.","start":868.835,"end":878.775,"sentiment":"neutral","sentiment_score":0.2785611887772878}],"sentiment":"neutral","sentiment_score":0.18934094331537685,"num_words":84,"start":852.075,"end":878.775},{"sentences":[{"text":"So all of that is public.","start":879.79504,"end":881.335,"sentiment":"neutral","sentiment_score":-0.062305143723885216},{"text":"Yeah.","start":881.715,"end":882.215,"sentiment":"neutral","sentiment_score":-0.18980757892131803},{"text":"Yes.","start":887.13,"end":887.63,"sentiment":"neutral","sentiment_score":-0.143861785531044},{"text":"Yes.","start":888.57,"end":889.07,"sentiment":"neutral","sentiment_score":-0.06468337774276733},{"text":"And that is the job.","start":889.45,"end":891.61,"sentiment":"neutral","sentiment_score":-0.10726906955242158}],"sentiment":"neutral","sentiment_score":-0.09346635373575347,"num_words":14,"start":879.79504,"end":891.61},{"sentences":[{"text":"You know?","start":891.61,"end":892.27,"sentiment":"neutral","sentiment_score":-0.008292230777442455},{"text":"If everything stayed the same, but if you look at it so when you came on board, you started on seventy six thousand one hundred and thirty '6.","start":902.48505,"end":912.025,"sentiment":"neutral","sentiment_score":0.016987497951569303},{"text":"This says that after six years, you would have a 151,951.","start":913.02,"end":919.92,"sentiment":"neutral","sentiment_score":0.04725894196466966},{"text":"But you haven't you haven't quite been there for six years yet, Yet you see the balance is at a 181,000.","start":920.3,"end":927.97504,"sentiment":"neutral","sentiment_score":-0.11939158468019395},{"text":"So it is harder to do the historical because there is things that's changed.","start":928.755,"end":933.47504,"sentiment":"neutral","sentiment_score":-0.291999027132988}],"sentiment":"neutral","sentiment_score":-0.07389862915059846,"num_words":76,"start":891.61,"end":933.47504},{"sentences":[{"text":"Obviously, you have your Neos insurances as well coming out, which is more expensive than your Australian super default insurances.","start":933.47504,"end":940.82996,"sentiment":"neutral","sentiment_score":-0.2607977621257305},{"text":"So it is a bit tricky with the historical to get it accurate.","start":942.41,"end":946.43,"sentiment":"negative","sentiment_score":-0.35784242817988765},{"text":"But even if you look at okay.","start":948.01,"end":949.61,"sentiment":"neutral","sentiment_score":-0.09934122328247343},{"text":"When you came on board, you had seventy six thousand one hundred and thirty six.","start":949.61,"end":954.51,"sentiment":"neutral","sentiment_score":-0.017076835160454114},{"text":"And today, after about I think it's been about five and a half years, you have a hundred and eighty one thousand two hundred and ninety nine.","start":955.025,"end":964.085,"sentiment":"neutral","sentiment_score":-0.007852289963651586}],"sentiment":"neutral","sentiment_score":-0.13452999668604718,"num_words":82,"start":933.47504,"end":964.085},{"sentences":[{"text":"Yes.","start":976.83,"end":977.33,"sentiment":"neutral","sentiment_score":0.10511007905006409},{"text":"Contributions.","start":978.99005,"end":979.49005,"sentiment":"neutral","sentiment_score":0.09882106631994247},{"text":"Yes.","start":981.385,"end":981.785,"sentiment":"neutral","sentiment_score":0.09736014902591704},{"text":"So contributions, obviously, investment.","start":981.785,"end":983.805,"sentiment":"neutral","sentiment_score":0.03354520257562399},{"text":"Yes.","start":985.305,"end":985.625,"sentiment":"neutral","sentiment_score":-0.028981514275074005}],"sentiment":"neutral","sentiment_score":0.050811323802918196,"num_words":8,"start":976.83,"end":985.625},{"sentences":[{"text":"It's a bit of both, but, yes, obviously, if you didn't make any extra contributions at all, then you wouldn't be as high super balance as you are today.","start":985.625,"end":993.885,"sentiment":"neutral","sentiment_score":-0.24968712314449507},{"text":"And then, obviously, when you did make the contribution because everything compounds.","start":994.64,"end":999.3,"sentiment":"neutral","sentiment_score":0.026903610055645306},{"text":"So the earlier you made the additional contributions, the quicker your super balance is going to grow because it is still growing and compounding.","start":999.68,"end":1008.90497,"sentiment":"neutral","sentiment_score":0.13705106327931085},{"text":"So it is does that make sense?","start":1009.52496,"end":1012.105,"sentiment":"neutral","sentiment_score":0.09832821786403656},{"text":"Yeah.","start":1013.285,"end":1013.785,"sentiment":"neutral","sentiment_score":0.07691345363855362}],"sentiment":"neutral","sentiment_score":-0.03922803771414169,"num_words":73,"start":985.625,"end":1013.785},{"sentences":[{"text":"Yep.","start":1020.96497,"end":1021.46497,"sentiment":"neutral","sentiment_score":0.07518067210912704},{"text":"With the old portfolio?","start":1023.75,"end":1025.05,"sentiment":"neutral","sentiment_score":-0.013469826197251678},{"text":"Yes.","start":1025.27,"end":1025.77,"sentiment":"neutral","sentiment_score":0.014588515274226664},{"text":"No.","start":1032.0701,"end":1032.55,"sentiment":"neutral","sentiment_score":-0.006752323359251022},{"text":"That's okay.","start":1032.55,"end":1033.4501,"sentiment":"neutral","sentiment_score":0.07466273009777069}],"sentiment":"neutral","sentiment_score":0.01982922438118193,"num_words":9,"start":1020.96497,"end":1033.4501},{"sentences":[{"text":"I know it's a yeah.","start":1034.31,"end":1036.6849,"sentiment":"neutral","sentiment_score":0.16914190351963043},{"text":"Would you like me to schedule in a call, or are you happy for the team to, like, reach out in, like, a week or so to see if you have any questions and what your thoughts are?","start":1037.065,"end":1046.505,"sentiment":"neutral","sentiment_score":0.16611596510598534},{"text":"Or do you wanna send me an email?","start":1046.505,"end":1048.1849,"sentiment":"neutral","sentiment_score":0.03827635187190026},{"text":"Yep.","start":1048.1849,"end":1048.6649,"sentiment":"neutral","sentiment_score":0.10003088414669035},{"text":"Cool.","start":1048.6649,"end":1049.1649,"sentiment":"neutral","sentiment_score":0.16924948990345}],"sentiment":"neutral","sentiment_score":0.14591712038964033,"num_words":53,"start":1034.31,"end":1049.1649},{"sentences":[{"text":"Perfect.","start":1050.9501,"end":1051.27,"sentiment":"positive","sentiment_score":0.4212035536766052},{"text":"Do you want anything scheduled in, or you're happy for for the team to kind of just give you a call to see?","start":1051.27,"end":1055.99,"sentiment":"neutral","sentiment_score":0.21349988553834998},{"text":"And if you don't have any yes.","start":1055.99,"end":1058.25,"sentiment":"neutral","sentiment_score":0.014850657566317494},{"text":"Okay.","start":1059.99,"end":1060.49,"sentiment":"neutral","sentiment_score":0.12607944011688232},{"text":"Perfect.","start":1061.27,"end":1061.67,"sentiment":"positive","sentiment_score":0.4148437976837158}],"sentiment":"neutral","sentiment_score":0.1811084473279841,"num_words":33,"start":1050.9501,"end":1061.67},{"sentences":[{"text":"And if you do have any other further questions, sorry, you can just send me an email or or send me you know, give me a call.","start":1061.67,"end":1068.185,"sentiment":"neutral","sentiment_score":0.13287680320165776},{"text":"But otherwise, we'll obviously leave that all with you.","start":1068.485,"end":1071.0651,"sentiment":"neutral","sentiment_score":0.11879901008473502},{"text":"Obviously, at the end of the day, there's no lock in contract.","start":1071.365,"end":1073.9451,"sentiment":"neutral","sentiment_score":0.032191528317828975},{"text":"So if it is that you decide that you want to give the new portfolio a little go and see how things are, there is no lock in contract.","start":1074.325,"end":1082.18,"sentiment":"neutral","sentiment_score":0.12013552479189017},{"text":"Same goes there.","start":1082.18,"end":1082.82,"sentiment":"neutral","sentiment_score":0.1147869701186816}],"sentiment":"neutral","sentiment_score":0.11089317807927727,"num_words":80,"start":1061.67,"end":1082.82},{"sentences":[{"text":"It's ultimately completely up to you.","start":1082.82,"end":1084.58,"sentiment":"neutral","sentiment_score":0.22260822852452597},{"text":"We want you to be comfortable and be having that trust as well.","start":1084.58,"end":1088.42,"sentiment":"positive","sentiment_score":0.3889080114089526},{"text":"So if you feel like, you know, this isn't for you, there is no lock in contract.","start":1088.42,"end":1092.865,"sentiment":"neutral","sentiment_score":-0.0194874897818355},{"text":"There's no exit fees and stuff like that for us.","start":1092.865,"end":1095.2649,"sentiment":"neutral","sentiment_score":0.08795777335762978},{"text":"Obviously, just the capital gains tax on your investment, but for us, there's no exit fees or anything like that.","start":1095.2649,"end":1100.245,"sentiment":"neutral","sentiment_score":0.10103349946439266}],"sentiment":"neutral","sentiment_score":0.13576384721267404,"num_words":66,"start":1082.82,"end":1100.245},{"sentences":[{"text":"So, obviously, take your time to have a read over it, and just let us know what you wanna do at the end of the day.","start":1100.465,"end":1107.49,"sentiment":"neutral","sentiment_score":0.2266896994641194},{"text":"Yep.","start":1110.03,"end":1110.35,"sentiment":"positive","sentiment_score":0.5000590085983276},{"text":"No problem at all.","start":1110.35,"end":1111.15,"sentiment":"positive","sentiment_score":0.6064593344926834},{"text":"We'll speak soon, and I hope you enjoy the rest of your day.","start":1111.15,"end":1113.89,"sentiment":"positive","sentiment_score":0.722267196728633},{"text":"Thanks, Candice.","start":1115.71,"end":1116.61,"sentiment":"positive","sentiment_score":0.6835159659385681}],"sentiment":"positive","sentiment_score":0.4255724787388159,"num_words":46,"start":1100.465,"end":1116.61},{"sentences":[{"text":"Bye.","start":1116.67,"end":1117.17,"sentiment":"positive","sentiment_score":0.4533713757991791}],"sentiment":"positive","sentiment_score":0.4533713757991791,"num_words":1,"start":1116.67,"end":1117.17}]}}]},{"alternatives":[{"transcript":"Hello. Candice speaking. Good. Thanks. How are you going? Yeah. It's it's just that I don't know. Did you end up sending through them again? Because I couldn't load the things. Oh, okay. Well, I haven't seen those. Sorry, Veronica. Yeah. So I got the PDF, but that that only has the portfolio performance in it. So the monthly performance and then the period performance? Yep. No. Sorry. I can I can see that email now? Table projection. Yep. Got it. Yeah. Okay. Cool. Yeah. If you could yeah. Just so I can kind of yeah. So I can, yeah, digest it. That would be great. Yes. Awesome. Okay. Yeah. No. Thank thank you for that. Well, maybe just while I'm having you, so so the so it's just a historical projection and okay. And the second is the current projection of, like, so that is is that where we're tracking them? Where sorry. Just see if you can explain the difference between the two. Yeah. Okay. So what was it gonna say? The but okay. So looking back, say, have I been with you, like, five years? Is that the thing? Okay. I guess the I guess for me, the easiest thing would be to so is that like the rolling average of the last five years, Australian Super's return has been 7.62 and net wealth has been 13.9? No. But I guess, like, if if if historically now looking at the past six years, what what like, if I could get like, you know, how you do like like, every year, they release their average return your average return. So then across the six years, what is the average return for network versus when I was in a Australian Super? No. Like, literally just, like, going because, I mean, we had certainly just recently changed. So, I mean, I'm talking about the average, like so not, like like, the average takes in account everything. So, basically, like, the from year on year, how you get an average, what is the, like, Australian super versus the net wealth. Yeah. Okay. Yeah. Okay. So the 7.62 versus eight point two five. Yeah. Okay. Yeah. Sorry. Which one? Yeah. Sorry. We we she's showing the taxes. That's Friday balance. Oh, okay. Yep. Right. Okay. And that's gone down anyway again, I think, at the moment from what I was seeing the other day. I think I'm I'm I'm definitely sitting in $1.07 something, not $1.08 now. Yeah. Okay. Great. Yeah. No. They did. Yeah. Great. Yeah. Yes. No. They did, and I I got it sorted on my new phone, which is awesome. Oh, okay. Great. So it's going back up again. Okay. So, basically so whenever I sold, regardless, no matter what, it's whenever if if once you change super funds, you're always going to be hit with taxes. Okay. So I would have paid tax when I transferred over from Australian Super to Netwealth. Right. Okay. Got it. Yeah. Yeah. Well, they don't really the the I yeah. They don't really I don't really think that was kind of it's not super clear that when you're like, they make it like, yes. You can change super funds so easily that, yeah, if you're getting slugged tax every time, like, I wasn't across that. So that's definitely something to be mindful of. But yes. Yes. Yeah. So yep. Yep. Okay. And then so then, obviously, this this projection here of, like, down the bottom, the five year, ten year, like, explain that to me because I feel like that considering you guys, like, it hasn't performed for me in the last six years, I guess just wanna know in basically short term, why should I believe that I'm going to be that much better off with Netwealth over the Australian Super when so far I don't feel like that's the case after giving you six years? No. I get it. But, like, what but what gives you the like, I guess, just where is that projection coming from? Because that that's a solid where you're saying in ten years, I'm gonna have almost $2,200,000 better off going with Netwealth. I'm just wondering where that is coming from. Yeah. No. That's fine. No. That's fine. But but I guess in that case, it's even more, I guess, aspirational that that that we that, yeah, that, I guess, yeah, I don't know. I just I just I I don't know. I just, like, yeah, I just don't know where these figures are coming from in the sense that it just feels very, like well, I don't know. Like, I know you can't tell, but I'm just like, well, why why are you thinking you're gonna get 13.9% return in Australian suit as not, I guess, is what I'm kind of getting at. Yeah. There's a lot of trust in the just figures that are being thrown out my way. Yeah. Yeah. Yeah. Yeah. I guess, for me, I was like, this is why I'm I don't want to go with Netwealth is because you just you trusted someone else who's looking at that information for you. Do you know what I mean? Like, that's like but yeah. Okay. So in a nutshell, going off the last six years, so I'm currently 17,800 in the red from being with Netwealth. Yeah. But, I mean, I guess it's just that that's primarily, I think, looking at it, what I'm getting is that it's primarily due to the contributions that that were at that figure, right, and the extra contributions rather than performance, I guess. Yeah. Yeah. Yeah. Yeah. Yeah. And then okay. So then then the average of from the last five years, the the average rate return rate is for growth is 8.25. Yeah. Yeah. Okay. Alright. No problem. Alright. Well, thank you for talking me through that, and I'll have a think about it. Yeah. Sure. Yeah. Sure. No. That's fine. Oh, they can just reach out. Yeah. They're happy for them to reach out, and then we can go from there. Okay. Okay. Yep. Okay. Great. Thank you so much. You too. Thank you. 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Candice speaking. Good. Thanks. How are you going?\n\nYeah. It's it's just that I don't know. Did you end up sending through them again? Because I couldn't load the things. Oh, okay.\n\nWell, I haven't seen those. Sorry, Veronica. Yeah. So I got the PDF, but that that only has the portfolio performance in it. So the monthly performance and then the period performance?\n\nYep. No. Sorry. I can I can see that email now? Table projection.\n\nYep. Got it. Yeah. Okay. Cool.\n\nYeah. If you could yeah. Just so I can kind of yeah. So I can, yeah, digest it. That would be great.\n\nYes. Awesome. Okay. Yeah. No.\n\nThank thank you for that. Well, maybe just while I'm having you, so so the so it's just a historical projection and okay. And the second is the current projection of, like, so that is is that where we're tracking them? Where sorry. Just see if you can explain the difference between the two.\n\nYeah. Okay. So what was it gonna say? The but okay. So looking back, say, have I been with you, like, five years?\n\nIs that the thing? Okay. I guess the I guess for me, the easiest thing would be to so is that like the rolling average of the last five years, Australian Super's return has been 7.62 and net wealth has been 13.9? No. But I guess, like, if if if historically now looking at the past six years, what what like, if I could get like, you know, how you do like like, every year, they release their average return your average return.\n\nSo then across the six years, what is the average return for network versus when I was in a Australian Super? No. Like, literally just, like, going because, I mean, we had certainly just recently changed. So, I mean, I'm talking about the average, like so not, like like, the average takes in account everything. So, basically, like, the from year on year, how you get an average, what is the, like, Australian super versus the net wealth.\n\nYeah. Okay. Yeah. Okay. So the 7.62 versus eight point two five.\n\nYeah. Okay. Yeah. Sorry. Which one?\n\nYeah. Sorry. We we she's showing the taxes. That's Friday balance. Oh, okay.\n\nYep. Right. Okay. And that's gone down anyway again, I think, at the moment from what I was seeing the other day. I think I'm I'm I'm definitely sitting in $1.07 something, not $1.08 now.\n\nYeah. Okay. Great. Yeah. No.\n\nThey did. Yeah. Great. Yeah. Yes.\n\nNo. They did, and I I got it sorted on my new phone, which is awesome. Oh, okay. Great. So it's going back up again.\n\nOkay. So, basically so whenever I sold, regardless, no matter what, it's whenever if if once you change super funds, you're always going to be hit with taxes. Okay. So I would have paid tax when I transferred over from Australian Super to Netwealth. Right.\n\nOkay. Got it. Yeah. Yeah. Well, they don't really the the I yeah.\n\nThey don't really I don't really think that was kind of it's not super clear that when you're like, they make it like, yes. You can change super funds so easily that, yeah, if you're getting slugged tax every time, like, I wasn't across that. So that's definitely something to be mindful of. But yes. Yes.\n\nYeah. So yep. Yep. Okay. And then so then, obviously, this this projection here of, like, down the bottom, the five year, ten year, like, explain that to me because I feel like that considering you guys, like, it hasn't performed for me in the last six years, I guess just wanna know in basically short term, why should I believe that I'm going to be that much better off with Netwealth over the Australian Super when so far I don't feel like that's the case after giving you six years?\n\nNo. I get it. But, like, what but what gives you the like, I guess, just where is that projection coming from? Because that that's a solid where you're saying in ten years, I'm gonna have almost $2,200,000 better off going with Netwealth. I'm just wondering where that is coming from.\n\nYeah. No. That's fine. No. That's fine.\n\nBut but I guess in that case, it's even more, I guess, aspirational that that that we that, yeah, that, I guess, yeah, I don't know. I just I just I I don't know. I just, like, yeah, I just don't know where these figures are coming from in the sense that it just feels very, like well, I don't know. Like, I know you can't tell, but I'm just like, well, why why are you thinking you're gonna get 13.9% return in Australian suit as not, I guess, is what I'm kind of getting at. Yeah.\n\nThere's a lot of trust in the just figures that are being thrown out my way. Yeah. Yeah. Yeah. Yeah.\n\nI guess, for me, I was like, this is why I'm I don't want to go with Netwealth is because you just you trusted someone else who's looking at that information for you. Do you know what I mean? Like, that's like but yeah. Okay. So in a nutshell, going off the last six years, so I'm currently 17,800 in the red from being with Netwealth.\n\nYeah. But, I mean, I guess it's just that that's primarily, I think, looking at it, what I'm getting is that it's primarily due to the contributions that that were at that figure, right, and the extra contributions rather than performance, I guess. Yeah. Yeah. Yeah.\n\nYeah. Yeah. And then okay. So then then the average of from the last five years, the the average rate return rate is for growth is 8.25. Yeah.\n\nYeah. Okay. Alright. No problem. Alright.\n\nWell, thank you for talking me through that, and I'll have a think about it. Yeah. Sure. Yeah. Sure.\n\nNo. That's fine. Oh, they can just reach out. Yeah. They're happy for them to reach out, and then we can go from there.\n\nOkay. Okay. Yep. Okay. Great.\n\nThank you so much. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.05560984089970589},{"text":"Candice speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.06507262215018272},{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.587496817111969},{"text":"Thanks.","start":7.7599998,"end":7.875,"sentiment":"positive","sentiment_score":0.5966304540634155},{"text":"How are you going?","start":7.875,"end":8.9,"sentiment":"positive","sentiment_score":0.36929992586374283}],"sentiment":"neutral","sentiment_score":0.31634245109226966,"num_words":9,"start":1.04,"end":8.9},{"sentences":[{"text":"Yeah.","start":19.935,"end":20.335,"sentiment":"neutral","sentiment_score":-0.06851091980934143},{"text":"It's it's just that I don't know.","start":20.335,"end":22.735,"sentiment":"neutral","sentiment_score":-0.1419955374939101},{"text":"Did you end up sending through them again?","start":22.735,"end":24.895,"sentiment":"neutral","sentiment_score":-0.11057517305016518},{"text":"Because I couldn't load the things.","start":24.895,"end":27.49,"sentiment":"neutral","sentiment_score":-0.09437287040054798},{"text":"Oh, okay.","start":27.71,"end":28.27,"sentiment":"neutral","sentiment_score":-0.027495739050209522}],"sentiment":"neutral","sentiment_score":-0.1070129069654892,"num_words":24,"start":19.935,"end":28.27},{"sentences":[{"text":"Well, I haven't seen those.","start":28.27,"end":29.71,"sentiment":"neutral","sentiment_score":-0.08732374981045724},{"text":"Sorry, Veronica.","start":29.71,"end":30.529999,"sentiment":"neutral","sentiment_score":-0.08779667690396309},{"text":"Yeah.","start":38.03,"end":38.27,"sentiment":"neutral","sentiment_score":-0.029558520764112473},{"text":"So I got the PDF, but that that only has the portfolio performance in it.","start":38.27,"end":43.555,"sentiment":"neutral","sentiment_score":-0.04059922496477763},{"text":"So the monthly performance and then the period performance?","start":51.055,"end":54.035,"sentiment":"neutral","sentiment_score":-0.01670780126005411}],"sentiment":"neutral","sentiment_score":-0.04378528779488988,"num_words":32,"start":28.27,"end":54.035},{"sentences":[{"text":"Yep.","start":81.130005,"end":81.61,"sentiment":"neutral","sentiment_score":-0.026087267324328423},{"text":"No.","start":81.61,"end":81.93,"sentiment":"neutral","sentiment_score":-0.075217604637146},{"text":"Sorry.","start":81.93,"end":82.41,"sentiment":"neutral","sentiment_score":-0.08617819100618362},{"text":"I can I can see that email now?","start":82.41,"end":84.51,"sentiment":"neutral","sentiment_score":-0.046177958603948355},{"text":"Table projection.","start":88.090004,"end":88.990005,"sentiment":"neutral","sentiment_score":-0.006490226835012436}],"sentiment":"neutral","sentiment_score":-0.043837475805328444,"num_words":13,"start":81.130005,"end":88.990005},{"sentences":[{"text":"Yep.","start":89.05,"end":89.29,"sentiment":"neutral","sentiment_score":0.02485932409763336},{"text":"Got it.","start":89.29,"end":89.770004,"sentiment":"neutral","sentiment_score":0.037181719206273556},{"text":"Yeah.","start":89.770004,"end":90.01,"sentiment":"neutral","sentiment_score":0.03965594992041588},{"text":"Okay.","start":90.01,"end":90.41,"sentiment":"neutral","sentiment_score":0.059484243392944336},{"text":"Cool.","start":90.41,"end":90.91,"sentiment":"neutral","sentiment_score":0.13019436597824097}],"sentiment":"neutral","sentiment_score":0.054759553633630276,"num_words":6,"start":89.05,"end":90.91},{"sentences":[{"text":"Yeah.","start":98.335,"end":98.835,"sentiment":"neutral","sentiment_score":0.007391007617115974},{"text":"If you could yeah.","start":98.975,"end":100.575,"sentiment":"neutral","sentiment_score":-0.0051998111885041},{"text":"Just so I can kind of yeah.","start":100.575,"end":102.494995,"sentiment":"neutral","sentiment_score":0.013072311878204346},{"text":"So I can, yeah, digest it.","start":102.494995,"end":105.454994,"sentiment":"neutral","sentiment_score":0.02368450320015351},{"text":"That would be great.","start":105.454994,"end":106.335,"sentiment":"neutral","sentiment_score":0.14009307883679867}],"sentiment":"neutral","sentiment_score":0.035480785479938444,"num_words":22,"start":98.335,"end":106.335},{"sentences":[{"text":"Yes.","start":106.335,"end":106.814995,"sentiment":"neutral","sentiment_score":0.12023314088582993},{"text":"Awesome.","start":106.814995,"end":107.314995,"sentiment":"neutral","sentiment_score":0.15444692969322205},{"text":"Okay.","start":108.06,"end":108.54,"sentiment":"neutral","sentiment_score":0.026708099991083145},{"text":"Yeah.","start":108.54,"end":108.78,"sentiment":"neutral","sentiment_score":0.03404449671506882},{"text":"No.","start":108.78,"end":109.02,"sentiment":"neutral","sentiment_score":0.023937802761793137}],"sentiment":"neutral","sentiment_score":0.07187409400939941,"num_words":5,"start":106.335,"end":109.02},{"sentences":[{"text":"Thank thank you for that.","start":109.02,"end":110.72,"sentiment":"neutral","sentiment_score":0.15775327682495116},{"text":"Well, maybe just while I'm having you, so so the so it's just a historical projection and okay.","start":111.58,"end":118.86,"sentiment":"neutral","sentiment_score":0.032226756008134946},{"text":"And the second is the current projection of, like, so that is is that where we're tracking them?","start":118.86,"end":124.395,"sentiment":"neutral","sentiment_score":0.0024194616513947644},{"text":"Where sorry.","start":124.395,"end":125.755,"sentiment":"neutral","sentiment_score":-0.17979583889245987},{"text":"Just see if you can explain the difference between the two.","start":125.755,"end":128.255,"sentiment":"neutral","sentiment_score":-0.17226175828413529}],"sentiment":"neutral","sentiment_score":-0.015593939202113284,"num_words":54,"start":109.02,"end":128.255},{"sentences":[{"text":"Yeah.","start":229.98999,"end":230.39,"sentiment":"neutral","sentiment_score":-0.013137908652424812},{"text":"Okay.","start":230.39,"end":230.89,"sentiment":"neutral","sentiment_score":-0.0038624126464128494},{"text":"So what was it gonna say?","start":231.26999,"end":234.96999,"sentiment":"neutral","sentiment_score":-0.015224373899400234},{"text":"The but okay.","start":238.885,"end":239.925,"sentiment":"neutral","sentiment_score":-0.02016164983312289},{"text":"So looking back, say, have I been with you, like, five years?","start":239.925,"end":243.045,"sentiment":"neutral","sentiment_score":-0.029306011429677408}],"sentiment":"neutral","sentiment_score":-0.02263059353698855,"num_words":23,"start":229.98999,"end":243.045},{"sentences":[{"text":"Is that the thing?","start":243.045,"end":244.105,"sentiment":"neutral","sentiment_score":-0.006484452169388533},{"text":"Okay.","start":246.965,"end":247.465,"sentiment":"neutral","sentiment_score":0.005485115572810173},{"text":"I guess the I guess for me, the easiest thing would be to so is that like the rolling average of the last five years, Australian Super's return has been 7.62 and net wealth has been 13.9?","start":250.005,"end":266.61002,"sentiment":"neutral","sentiment_score":0.13174660262223836},{"text":"No.","start":291.6,"end":291.84,"sentiment":"neutral","sentiment_score":-0.10563414543867113},{"text":"But I guess, like, if if if historically now looking at the past six years, what what like, if I could get like, you know, how you do like like, every year, they release their average return your average return.","start":291.84,"end":306.385,"sentiment":"neutral","sentiment_score":0.04646051991730928}],"sentiment":"neutral","sentiment_score":0.07960190668881657,"num_words":83,"start":243.045,"end":306.385},{"sentences":[{"text":"So then across the six years, what is the average return for network versus when I was in a Australian Super?","start":306.81,"end":313.55,"sentiment":"neutral","sentiment_score":0.06804679759911128},{"text":"No.","start":318.88998,"end":319.29,"sentiment":"neutral","sentiment_score":-0.2997232675552368},{"text":"Like, literally just, like, going because, I mean, we had certainly just recently changed.","start":319.29,"end":323.695,"sentiment":"neutral","sentiment_score":-0.253174503999097},{"text":"So, I mean, I'm talking about the average, like so not, like like, the average takes in account everything.","start":323.695,"end":329.375,"sentiment":"neutral","sentiment_score":-0.15360831979073977},{"text":"So, basically, like, the from year on year, how you get an average, what is the, like, Australian super versus the net wealth.","start":329.375,"end":339.33,"sentiment":"neutral","sentiment_score":0.0476654124972613}],"sentiment":"neutral","sentiment_score":-0.054326117468568,"num_words":78,"start":306.81,"end":339.33},{"sentences":[{"text":"Yeah.","start":356.345,"end":356.845,"sentiment":"neutral","sentiment_score":0.09518440812826157},{"text":"Okay.","start":356.985,"end":357.305,"sentiment":"neutral","sentiment_score":0.09422929584980012},{"text":"Yeah.","start":357.305,"end":357.54498,"sentiment":"neutral","sentiment_score":0.0859101340174675},{"text":"Okay.","start":357.54498,"end":357.78497,"sentiment":"neutral","sentiment_score":0.08020911365747452},{"text":"So the 7.62 versus eight point two five.","start":357.78497,"end":361.085,"sentiment":"neutral","sentiment_score":0.07906721392646432}],"sentiment":"neutral","sentiment_score":0.08233922192205985,"num_words":12,"start":356.345,"end":361.085},{"sentences":[{"text":"Yeah.","start":361.94498,"end":362.44498,"sentiment":"neutral","sentiment_score":0.1624526083469391},{"text":"Okay.","start":362.585,"end":363.085,"sentiment":"neutral","sentiment_score":0.13976295292377472},{"text":"Yeah.","start":367.625,"end":368.125,"sentiment":"neutral","sentiment_score":0.1583903729915619},{"text":"Sorry.","start":385.935,"end":386.33502,"sentiment":"neutral","sentiment_score":-0.18090784549713135},{"text":"Which one?","start":386.33502,"end":387.075,"sentiment":"neutral","sentiment_score":-0.13510702550411224}],"sentiment":"neutral","sentiment_score":0.0015806729594866435,"num_words":6,"start":361.94498,"end":387.075},{"sentences":[{"text":"Yeah.","start":389.855,"end":390.355,"sentiment":"neutral","sentiment_score":-0.07486424595117569},{"text":"Sorry.","start":407.15,"end":407.47,"sentiment":"neutral","sentiment_score":-0.11496025323867798},{"text":"We we she's showing the taxes.","start":407.47,"end":409.41,"sentiment":"neutral","sentiment_score":-0.10253715266784032},{"text":"That's Friday balance.","start":414.435,"end":416.295,"sentiment":"neutral","sentiment_score":-0.12849943339824677},{"text":"Oh, okay.","start":416.83502,"end":417.475,"sentiment":"neutral","sentiment_score":-0.03572428040206432}],"sentiment":"neutral","sentiment_score":-0.09707648278428958,"num_words":13,"start":389.855,"end":417.475},{"sentences":[{"text":"Yep.","start":417.475,"end":417.975,"sentiment":"neutral","sentiment_score":-0.01937422901391983},{"text":"Right.","start":455.21,"end":455.71,"sentiment":"neutral","sentiment_score":0.01715070754289627},{"text":"Okay.","start":455.77,"end":456.27,"sentiment":"neutral","sentiment_score":0.03599844127893448},{"text":"And that's gone down anyway again, I think, at the moment from what I was seeing the other day.","start":457.13,"end":463.22998,"sentiment":"neutral","sentiment_score":-0.04806183429287845},{"text":"I think I'm I'm I'm definitely sitting in $1.07 something, not $1.08 now.","start":464.56998,"end":468.66998,"sentiment":"neutral","sentiment_score":-0.030706634888282187}],"sentiment":"neutral","sentiment_score":-0.03653103386584137,"num_words":35,"start":417.475,"end":468.66998},{"sentences":[{"text":"Yeah.","start":471.905,"end":472.145,"sentiment":"neutral","sentiment_score":0.03550012409687042},{"text":"Okay.","start":472.145,"end":472.465,"sentiment":"neutral","sentiment_score":0.05721086263656616},{"text":"Great.","start":472.465,"end":472.965,"sentiment":"neutral","sentiment_score":0.12008152157068253},{"text":"Yeah.","start":475.905,"end":476.225,"sentiment":"neutral","sentiment_score":-0.009912094101309776},{"text":"No.","start":476.225,"end":476.54498,"sentiment":"neutral","sentiment_score":-0.04673421010375023}],"sentiment":"neutral","sentiment_score":0.03122924081981182,"num_words":5,"start":471.905,"end":476.54498},{"sentences":[{"text":"They did.","start":476.54498,"end":477.285,"sentiment":"neutral","sentiment_score":-0.024735472165048122},{"text":"Yeah.","start":478.705,"end":479.025,"sentiment":"neutral","sentiment_score":-0.00028173159807920456},{"text":"Great.","start":479.025,"end":479.525,"sentiment":"neutral","sentiment_score":0.04930916801095009},{"text":"Yeah.","start":480.945,"end":481.445,"sentiment":"neutral","sentiment_score":-0.008623607456684113},{"text":"Yes.","start":483.78998,"end":484.27,"sentiment":"neutral","sentiment_score":0.012381385080516338}],"sentiment":"neutral","sentiment_score":0.0005523782844344775,"num_words":6,"start":476.54498,"end":484.27},{"sentences":[{"text":"No.","start":484.27,"end":484.43,"sentiment":"neutral","sentiment_score":-0.0322512686252594},{"text":"They did, and I I got it sorted on my new phone, which is awesome.","start":484.43,"end":487.65,"sentiment":"neutral","sentiment_score":0.06149028465151787},{"text":"Oh, okay.","start":501.525,"end":502.245,"sentiment":"neutral","sentiment_score":0.04632948152720928},{"text":"Great.","start":502.245,"end":502.745,"sentiment":"neutral","sentiment_score":0.1781582236289978},{"text":"So it's going back up again.","start":502.805,"end":504.345,"sentiment":"neutral","sentiment_score":0.07896031563480695}],"sentiment":"neutral","sentiment_score":0.06538728326559066,"num_words":25,"start":484.27,"end":504.345},{"sentences":[{"text":"Okay.","start":505.045,"end":505.445,"sentiment":"neutral","sentiment_score":-0.03167419508099556},{"text":"So, basically so whenever I sold, regardless, no matter what, it's whenever if if once you change super funds, you're always going to be hit with taxes.","start":505.445,"end":516.0,"sentiment":"neutral","sentiment_score":-0.10760316873590152},{"text":"Okay.","start":552.91504,"end":553.395,"sentiment":"neutral","sentiment_score":0.06596140563488007},{"text":"So I would have paid tax when I transferred over from Australian Super to Netwealth.","start":553.395,"end":558.775,"sentiment":"neutral","sentiment_score":0.02605211560924848},{"text":"Right.","start":573.41003,"end":573.91003,"sentiment":"neutral","sentiment_score":-0.015338512137532234}],"sentiment":"neutral","sentiment_score":-0.055456780518094696,"num_words":45,"start":505.045,"end":573.91003},{"sentences":[{"text":"Okay.","start":574.05005,"end":574.55005,"sentiment":"neutral","sentiment_score":-0.03095717541873455},{"text":"Got it.","start":574.85004,"end":575.51,"sentiment":"neutral","sentiment_score":-0.08014488965272903},{"text":"Yeah.","start":579.135,"end":579.53503,"sentiment":"neutral","sentiment_score":-0.16023242473602295},{"text":"Yeah.","start":579.53503,"end":579.775,"sentiment":"neutral","sentiment_score":-0.10407000780105592},{"text":"Well, they don't really the the I yeah.","start":579.775,"end":581.695,"sentiment":"neutral","sentiment_score":-0.15432342048734426}],"sentiment":"neutral","sentiment_score":-0.13001051932000196,"num_words":13,"start":574.05005,"end":581.695},{"sentences":[{"text":"They don't really I don't really think that was kind of it's not super clear that when you're like, they make it like, yes.","start":581.695,"end":588.175,"sentiment":"neutral","sentiment_score":-0.18648835675170025},{"text":"You can change super funds so easily that, yeah, if you're getting slugged tax every time, like, I wasn't across that.","start":588.175,"end":595.58,"sentiment":"neutral","sentiment_score":-0.16253478700915971},{"text":"So that's definitely something to be mindful of.","start":595.58,"end":598.54,"sentiment":"neutral","sentiment_score":-0.12041359581053257},{"text":"But yes.","start":598.54,"end":600.32,"sentiment":"neutral","sentiment_score":-0.030269546434283257},{"text":"Yes.","start":619.18,"end":619.68,"sentiment":"neutral","sentiment_score":-0.0647139623761177}],"sentiment":"neutral","sentiment_score":-0.16031273055289472,"num_words":56,"start":581.695,"end":619.68},{"sentences":[{"text":"Yeah.","start":635.36505,"end":635.84503,"sentiment":"neutral","sentiment_score":-0.09762111306190492},{"text":"So yep.","start":635.84503,"end":643.36505,"sentiment":"neutral","sentiment_score":0.2698037847876549},{"text":"Yep.","start":643.36505,"end":643.765,"sentiment":"neutral","sentiment_score":0.1378260850906372},{"text":"Okay.","start":643.765,"end":644.265,"sentiment":"neutral","sentiment_score":0.11060254275798798},{"text":"And then so then, obviously, this this projection here of, like, down the bottom, the five year, ten year, like, explain that to me because I feel like that considering you guys, like, it hasn't performed for me in the last six years, I guess just wanna know in basically short term, why should I believe that I'm going to be that much better off with Netwealth over the Australian Super when so far I don't feel like that's the case after giving you six years?","start":644.79,"end":672.315,"sentiment":"neutral","sentiment_score":-0.050865949174865734}],"sentiment":"neutral","sentiment_score":-0.040484137853587066,"num_words":91,"start":635.36505,"end":672.315},{"sentences":[{"text":"No.","start":681.44,"end":681.76,"sentiment":"neutral","sentiment_score":-0.2744213342666626},{"text":"I get it.","start":681.76,"end":682.24005,"sentiment":"neutral","sentiment_score":-0.21686399479707083},{"text":"But, like, what but what gives you the like, I guess, just where is that projection coming from?","start":682.24005,"end":686.88,"sentiment":"neutral","sentiment_score":-0.1100338925090101},{"text":"Because that that's a solid where you're saying in ten years, I'm gonna have almost $2,200,000 better off going with Netwealth.","start":686.88,"end":693.59503,"sentiment":"neutral","sentiment_score":0.2594985777423495},{"text":"I'm just wondering where that is coming from.","start":693.59503,"end":696.09503,"sentiment":"neutral","sentiment_score":-0.08868758752942085}],"sentiment":"neutral","sentiment_score":0.0359675695790964,"num_words":51,"start":681.44,"end":696.09503},{"sentences":[{"text":"Yeah.","start":738.1,"end":738.42,"sentiment":"neutral","sentiment_score":0.004754103720188141},{"text":"No.","start":738.42,"end":738.74,"sentiment":"neutral","sentiment_score":-0.18791323900222776},{"text":"That's fine.","start":738.74,"end":739.39996,"sentiment":"neutral","sentiment_score":-0.04536027833819389},{"text":"No.","start":740.82,"end":741.06,"sentiment":"neutral","sentiment_score":-0.09838417917490004},{"text":"That's fine.","start":741.06,"end":741.62,"sentiment":"neutral","sentiment_score":-0.02782483398914337}],"sentiment":"neutral","sentiment_score":-0.061130505587373464,"num_words":7,"start":738.1,"end":741.62},{"sentences":[{"text":"But but I guess in that case, it's even more, I guess, aspirational that that that we that, yeah, that, I guess, yeah, I don't know.","start":741.62,"end":755.255,"sentiment":"neutral","sentiment_score":0.05624911991449503},{"text":"I just I just I I don't know.","start":755.255,"end":756.775,"sentiment":"neutral","sentiment_score":-0.14014475792646408},{"text":"I just, like, yeah, I just don't know where these figures are coming from in the sense that it just feels very, like well, I don't know.","start":756.775,"end":764.12,"sentiment":"neutral","sentiment_score":-0.07207336718285526},{"text":"Like, I know you can't tell, but I'm just like, well, why why are you thinking you're gonna get 13.9% return in Australian suit as not, I guess, is what I'm kind of getting at.","start":764.12,"end":774.395,"sentiment":"neutral","sentiment_score":0.055097038139189994},{"text":"Yeah.","start":775.495,"end":775.895,"sentiment":"neutral","sentiment_score":0.1381089836359024}],"sentiment":"neutral","sentiment_score":0.004761272772532148,"num_words":97,"start":741.62,"end":775.895},{"sentences":[{"text":"There's a lot of trust in the just figures that are being thrown out my way.","start":775.895,"end":780.635,"sentiment":"neutral","sentiment_score":0.21415323996916413},{"text":"Yeah.","start":786.95,"end":787.45,"sentiment":"neutral","sentiment_score":0.0664350837469101},{"text":"Yeah.","start":800.39,"end":800.89,"sentiment":"neutral","sentiment_score":0.07244716584682465},{"text":"Yeah.","start":843.27997,"end":843.77997,"sentiment":"neutral","sentiment_score":-0.005394704639911652},{"text":"Yeah.","start":879.02997,"end":879.52997,"sentiment":"neutral","sentiment_score":0.0455910749733448}],"sentiment":"neutral","sentiment_score":0.1802765229716897,"num_words":20,"start":775.895,"end":879.52997},{"sentences":[{"text":"I guess, for me, I was like, this is why I'm I don't want to go with Netwealth is because you just you trusted someone else who's looking at that information for you.","start":879.67,"end":888.185,"sentiment":"neutral","sentiment_score":-0.23698213707768556},{"text":"Do you know what I mean?","start":888.185,"end":889.065,"sentiment":"neutral","sentiment_score":-0.08634510946770509},{"text":"Like, that's like but yeah.","start":889.065,"end":891.70496,"sentiment":"neutral","sentiment_score":-0.0681230217218399},{"text":"Okay.","start":891.70496,"end":892.02496,"sentiment":"neutral","sentiment_score":0.0071526747196912766},{"text":"So in a nutshell, going off the last six years, so I'm currently 17,800 in the red from being with Netwealth.","start":892.02496,"end":901.37,"sentiment":"neutral","sentiment_score":0.005723106586152599}],"sentiment":"neutral","sentiment_score":-0.12957209660530541,"num_words":66,"start":879.67,"end":901.37},{"sentences":[{"text":"Yeah.","start":965.84,"end":966.34,"sentiment":"neutral","sentiment_score":0.04824730381369591},{"text":"But, I mean, I guess it's just that that's primarily, I think, looking at it, what I'm getting is that it's primarily due to the contributions that that were at that figure, right, and the extra contributions rather than performance, I guess.","start":966.56,"end":984.645,"sentiment":"neutral","sentiment_score":0.07509544811078481},{"text":"Yeah.","start":994.52,"end":995.02,"sentiment":"neutral","sentiment_score":-0.027318131178617477},{"text":"Yeah.","start":1009.715,"end":1010.115,"sentiment":"neutral","sentiment_score":0.09531961381435394},{"text":"Yeah.","start":1010.115,"end":1010.615,"sentiment":"neutral","sentiment_score":0.10551389306783676}],"sentiment":"neutral","sentiment_score":0.07338633696022241,"num_words":46,"start":965.84,"end":1010.615},{"sentences":[{"text":"Yeah.","start":1012.275,"end":1012.755,"sentiment":"neutral","sentiment_score":0.06752336770296097},{"text":"Yeah.","start":1012.755,"end":1013.075,"sentiment":"neutral","sentiment_score":0.07931177318096161},{"text":"And then okay.","start":1013.075,"end":1014.355,"sentiment":"neutral","sentiment_score":0.09065147986014684},{"text":"So then then the average of from the last five years, the the average rate return rate is for growth is 8.25.","start":1014.355,"end":1023.2,"sentiment":"neutral","sentiment_score":0.06221531162207777},{"text":"Yeah.","start":1026.3,"end":1026.7001,"sentiment":"neutral","sentiment_score":0.021569404751062393}],"sentiment":"neutral","sentiment_score":0.06461056574646916,"num_words":28,"start":1012.275,"end":1026.7001},{"sentences":[{"text":"Yeah.","start":1026.7001,"end":1027.1,"sentiment":"neutral","sentiment_score":0.041912905871868134},{"text":"Okay.","start":1027.1,"end":1027.6,"sentiment":"neutral","sentiment_score":0.06266221404075623},{"text":"Alright.","start":1028.9401,"end":1029.34,"sentiment":"neutral","sentiment_score":0.11115651577711104},{"text":"No problem.","start":1029.34,"end":1029.98,"sentiment":"neutral","sentiment_score":0.1610458567738533},{"text":"Alright.","start":1029.98,"end":1030.22,"sentiment":"neutral","sentiment_score":0.20336270332336423}],"sentiment":"neutral","sentiment_score":0.12353100876013438,"num_words":6,"start":1026.7001,"end":1030.22},{"sentences":[{"text":"Well, thank you for talking me through that, and I'll have a think about it.","start":1030.22,"end":1035.985,"sentiment":"neutral","sentiment_score":0.2686838914950689},{"text":"Yeah.","start":1046.365,"end":1046.845,"sentiment":"neutral","sentiment_score":0.04120051488280296},{"text":"Sure.","start":1046.845,"end":1047.345,"sentiment":"neutral","sentiment_score":0.03559214621782303},{"text":"Yeah.","start":1048.7999,"end":1049.2,"sentiment":"neutral","sentiment_score":0.11845609545707704},{"text":"Sure.","start":1049.2,"end":1049.44,"sentiment":"neutral","sentiment_score":0.12552571296691897}],"sentiment":"neutral","sentiment_score":0.2290017285237187,"num_words":19,"start":1030.22,"end":1049.44},{"sentences":[{"text":"No.","start":1049.44,"end":1049.6799,"sentiment":"neutral","sentiment_score":0.0995582789182663},{"text":"That's fine.","start":1049.6799,"end":1050.5,"sentiment":"neutral","sentiment_score":0.20196533948183057},{"text":"Oh, they can just reach out.","start":1055.84,"end":1057.36,"sentiment":"neutral","sentiment_score":-0.0002035501723488172},{"text":"Yeah.","start":1057.36,"end":1057.86,"sentiment":"neutral","sentiment_score":0.1238977462053299},{"text":"They're happy for them to reach out, and then we can go from there.","start":1057.9199,"end":1060.98,"sentiment":"neutral","sentiment_score":0.311682262058769}],"sentiment":"neutral","sentiment_score":0.2079048779948304,"num_words":24,"start":1049.44,"end":1060.98},{"sentences":[{"text":"Okay.","start":1062.1599,"end":1062.6599,"sentiment":"neutral","sentiment_score":0.1797478199005127},{"text":"Okay.","start":1100.645,"end":1101.145,"sentiment":"neutral","sentiment_score":0.1591026484966278},{"text":"Yep.","start":1107.94,"end":1108.26,"sentiment":"neutral","sentiment_score":0.2251545786857605},{"text":"Okay.","start":1108.26,"end":1108.74,"sentiment":"positive","sentiment_score":0.4771851301193238},{"text":"Great.","start":1108.74,"end":1109.0599,"sentiment":"positive","sentiment_score":0.8487744331359863}],"sentiment":"positive","sentiment_score":0.37799292206764223,"num_words":5,"start":1062.1599,"end":1109.0599},{"sentences":[{"text":"Thank you so much.","start":1109.0599,"end":1110.2,"sentiment":"positive","sentiment_score":0.8756831735372543},{"text":"You too.","start":1113.94,"end":1114.74,"sentiment":"positive","sentiment_score":0.5272598564624786},{"text":"Thank you.","start":1114.74,"end":1115.4,"sentiment":"positive","sentiment_score":0.7465161979198456},{"text":"Bye.","start":1117.3,"end":1117.8,"sentiment":"neutral","sentiment_score":-0.11054506152868272}],"sentiment":"positive","sentiment_score":0.6599710823761092,"num_words":9,"start":1109.0599,"end":1117.8}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Candice speaking.\n\nChannel 0: Good morning, Candice. This is Veronica from Achieve Financial. How are you?\n\nChannel 1: Good. Thanks. How are you going?\n\nChannel 0: Yeah. Good. Thanks. I just have you booked in for a bit of a follow-up after our last conversation. Is not still a good time for you?\n\nChannel 1: Yeah. It's it's just that I don't know. Did you end up sending through them again? Because I couldn't load\n\nChannel 0: Yes.\n\nChannel 1: the things. Oh, okay. Well, I haven't seen those. Sorry, Veronica.\n\nChannel 0: No. That's okay. Not the you didn't get the PDF version either?\n\nChannel 1: Yeah. So I got the PDF, but that that only has the portfolio performance in it.\n\nChannel 0: The two projection tables?\n\nChannel 1: So the monthly performance and then the period performance?\n\nChannel 0: No. There should be let me see if I can resend it to you. Because I sent because I know you said you couldn't open the two images that had the actual projections. So I send it in a PDF version as well that should have been attached at the bottom of that email. I can see it here, but do you want me to see if I can just resend it now while\n\nChannel 1: Yep.\n\nChannel 0: I have you\n\nChannel 1: No.\n\nChannel 0: on the\n\nChannel 1: Sorry.\n\nChannel 0: phone?\n\nChannel 1: I can I can see that email now?\n\nChannel 0: No. That's okay.\n\nChannel 1: Table projection. Yep. Got it. Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Cool.\n\nChannel 0: Would you want to go through any of it, or would you like me to call you sometime next week if you've had a\n\nChannel 1: Yeah.\n\nChannel 0: time to kind\n\nChannel 1: If\n\nChannel 0: of go\n\nChannel 1: you could\n\nChannel 0: through it?\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: Of\n\nChannel 1: so\n\nChannel 0: course.\n\nChannel 1: I can kind of yeah. So I can, yeah,\n\nChannel 0: Have a bit\n\nChannel 1: digest\n\nChannel 0: of a think\n\nChannel 1: it.\n\nChannel 0: about\n\nChannel 1: That would\n\nChannel 0: it.\n\nChannel 1: be great. Yes. Awesome.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: No. Thank thank you for that.\n\nChannel 0: That's okay.\n\nChannel 1: Well, maybe\n\nChannel 0: Can\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: while I'm having you, so so the so it's just a historical projection and okay. And the second is the current projection of, like, so that is is\n\nChannel 0: Mhmm.\n\nChannel 1: that where we're tracking them? Where sorry. Just see if you can explain the difference between the two.\n\nChannel 0: Yes. Of course. So the first one is going back to the super balance you had when you came on board as a client, which is why the the balance is different. So, obviously, the Australian Super at the time with your default insurances, but we have done employee contributions based on your new income. Current and that was the portfolio performance return at the time as well.\n\nCurrent is when you then moved over to Netwealth at the time. The difference at the top there is the upfront advice that you paid at the time when you came on board for factoring in everything. Advice service fee contributions insurances, the return is at the portfolio that you were invested in the whole time up until recently when we did make the the switch for you. Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today. And the reason is because I know that you made a little bit of extra contribution into it, which hasn't been factored in to show you more of a like for like comparison.\n\nAnd, obviously, if the you didn't have the same income, you know, for the whole duration since you came on board, so there is obviously a bit of discrepancies. But this is kind of the the closest like for like we can do using historical data. Does that make sense?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So what was it gonna say? The but okay. So looking back, say, have I been with you, like, five years? Is that the thing?\n\nChannel 0: Yeah. Almost six. So it's kind of\n\nChannel 1: Okay.\n\nChannel 0: between five and six. So that's why we did the five and six, so\n\nChannel 1: I\n\nChannel 0: a little\n\nChannel 1: guess\n\nChannel 0: bit\n\nChannel 1: the\n\nChannel 0: longer.\n\nChannel 1: I\n\nChannel 0: Mhmm.\n\nChannel 1: guess for me, the easiest thing would be to so is that like the rolling average of the last five years, Australian Super's return has been 7.62 and net wealth has been 13.9?\n\nChannel 0: Eight point two five. Now if you then look at the 13.9, that is the change we've recently made with that ROA. So that is with the swap from Bennelong to the a 200. So because we've made that switch already, that would then be the five year rolling average on the new option for you, which\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: But I guess,\n\nChannel 0: why\n\nChannel 1: like, if if if historically now looking\n\nChannel 0: Yes.\n\nChannel 1: at the past six years, what what like, if I could get like, you know, how you do like like, every year, they release their average return your average return. So then\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: across the six years, what is the average return for network versus when I was in a Australian Super?\n\nChannel 0: Yeah. So for the new portfolio, we've changed it to or the old one?\n\nChannel 1: No. Like, literally just, like, going because, I mean, we had certainly just recently changed. So, I mean, I'm talking about the average, like so not, like like, the average takes in account everything. So, basically, like,\n\nChannel 0: Yes.\n\nChannel 1: the from year on year, how you\n\nChannel 0: Yep.\n\nChannel 1: get an average,\n\nChannel 0: Yep.\n\nChannel 1: what is the, like, Australian super versus the net wealth.\n\nChannel 0: Yep. So if you go up to the first projection, the five year rolling average is using an average across five years. So that means that some of those years, it would have been higher, some would have been lower. So it's using, like, an average across five years for you?\n\nChannel 1: Yeah. Okay. Yeah. Okay. So the 7.62 versus eight point\n\nChannel 0: Correct.\n\nChannel 1: two five.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And then, obviously, you do have fees and stuff like that as well,\n\nChannel 1: Yeah.\n\nChannel 0: which is obviously, it it makes that difference. And on the second projection, so the one that has the 13.9, if you see the difference at the top versus the balance difference, can you see that?\n\nChannel 1: Sorry. Which one?\n\nChannel 0: So on the second projection where it's, like,\n\nChannel 1: Yeah.\n\nChannel 0: the current and then alternative is if you today, like, roll over to Australian super, the difference in the balance there, it's just the tax on the investments that would come out if you do a full sell down. Does that make sense?\n\nChannel 1: Sorry. We we she's showing the taxes.\n\nChannel 0: I'm sorry. On the first row where it says balance,\n\nChannel 1: That's\n\nChannel 0: and it says\n\nChannel 1: Friday\n\nChannel 0: negative\n\nChannel 1: balance. Oh,\n\nChannel 0: yeah.\n\nChannel 1: okay.\n\nChannel 0: It says\n\nChannel 1: Yep.\n\nChannel 0: minus 4,504. That is the the tax or the capital gains tax. So because your super has grown, your investments have made money, if you sell your investments, you will pay tax similar to, like, an investment property. It isn't a concessional rate, but because your super have gone up, if you do a full sell down, that would be tax coming out of your super of around 4,504, which is the only reason why if you do move to Australian Super, the balance is different, if that makes sense.\n\nChannel 1: Right. Okay. And that's gone down anyway again, I think, at the moment from what I was seeing the other day. I think I'm I'm I'm definitely sitting in $1.07 something, not $1.08 now.\n\nChannel 0: I can actually go in and have a look if you want.\n\nChannel 1: Yeah. Okay. Great.\n\nChannel 0: Oh, did Netwalls end up calling you? Because we called\n\nChannel 1: Yeah.\n\nChannel 0: them and\n\nChannel 1: No.\n\nChannel 0: they said\n\nChannel 1: They\n\nChannel 0: it\n\nChannel 1: did.\n\nChannel 0: oh, perfect. You never\n\nChannel 1: Yeah.\n\nChannel 0: know.\n\nChannel 1: Great.\n\nChannel 0: Sometimes they say they do, and I was like, they said\n\nChannel 1: Yeah.\n\nChannel 0: twenty four hours, and I was like, I hope they did.\n\nChannel 1: Yes. No. They did, and I I got it sorted on my new phone, which\n\nChannel 0: Off.\n\nChannel 1: is awesome.\n\nChannel 0: Great. Alright. Perfect. Let me just see if I check-in here. Right now, it's a 181,290\n\nChannel 1: Oh, okay.\n\nChannel 0: 9\n\nChannel 1: Great. So it's\n\nChannel 0: and\n\nChannel 1: going back\n\nChannel 0: 30\n\nChannel 1: up again.\n\nChannel 0: 9¢. Yeah.\n\nChannel 1: Okay. So, basically so whenever I sold, regardless, no matter what, it's whenever if if once you change super funds, you're always going to be hit with taxes.\n\nChannel 0: Correct. As long as your super have gone up. So when we made the switch for the Benelon, because Benelon was down, we could then offset. So you didn't pay any tax on the Benelon to the a 200 switch because it was down. You only pay tax if it's up.\n\nSo some of your other investments have been up quite a bit, which is great, which means that if you do a sell down on all of the investments, that would be the tax. But, yes, typically, as your super grow and your investment earnings grow, then you will pay tax on the earnings.\n\nChannel 1: Okay. So I would have paid tax when I transferred over from Australian Super to Netwealth.\n\nChannel 0: Yes. How Australia Super do it? They have it built into the unit of the price. Despite the yes, there will be tax regardless. Yes.\n\nChannel 1: Right. Okay. Got it.\n\nChannel 0: It is a bit messy.\n\nChannel 1: Yeah. Yeah. Well, they don't really the the I yeah. They don't really I don't really think that was kind of it's not super clear that when you're like, they make it like, yes. You can change super funds\n\nChannel 0: Yes.\n\nChannel 1: so easily that,\n\nChannel 0: Yes.\n\nChannel 1: yeah, if you're getting slugged tax every time,\n\nChannel 0: Yes.\n\nChannel 1: like, I wasn't across that. So\n\nChannel 0: Yeah.\n\nChannel 1: that's definitely something to be mindful of. But\n\nChannel 0: And\n\nChannel 1: yes.\n\nChannel 0: that's also why we do these updates. And when we are making changes to the portfolio, over the portfolio as, you know, being constructed with diversification and everything that in that is a long term investment. So that is why we want to avoid making changes because of the tax and stuff like that. But if there\n\nChannel 1: Yes.\n\nChannel 0: is a investment that is underperforming and we don't see it come back up or we don't, you know, agree with their philosophy and the management of those investments anymore, then you also don't wanna just leave it for the sake of not paying tax if it's going to not be good for you. So that\n\nChannel 1: Yeah.\n\nChannel 0: is why\n\nChannel 1: So\n\nChannel 0: we made, you know, the Bennelong switch, and the others are still doing doing good.\n\nChannel 1: yep. Yep. Okay. And then so then, obviously, this\n\nChannel 0: Mhmm.\n\nChannel 1: this projection here of, like, down the bottom, the five year, ten year,\n\nChannel 0: Yes.\n\nChannel 1: like, explain that to me because I feel like that considering you guys, like, it hasn't performed for me in the last six years, I\n\nChannel 0: Mhmm.\n\nChannel 1: guess just wanna know in basically short term, why should I believe that I'm going to be that much better off with Netwealth over the Australian Super when so far I don't feel like that's the case after giving you six years?\n\nChannel 0: Yeah. And it is hard, and that's why these projections, it is a good indication, but I always do wanna stress that we can't guarantee anything\n\nChannel 1: No.\n\nChannel 0: because\n\nChannel 1: I get\n\nChannel 0: at the\n\nChannel 1: it.\n\nChannel 0: end\n\nChannel 1: But, like, what but what gives you the like, I guess, just where is that projection coming from? Because that that's a solid where you're saying in ten years, I'm gonna have almost $2,200,000 better off going with Netwealth. I'm just wondering where that is coming from.\n\nChannel 0: Yes. Yes. So it is factoring in all the fees with Netwealth. So even when you look on the second table, you can see that that factors in also the difference in, obviously, adviser fee, which you wouldn't have in Australian Super. So it factors in all the fees on a yearly basis, and then you take that away and then obviously the return on the investments.\n\nAnd then there are a lot of math and calculation in the back end through factoring the growth of the investments. So obviously, if you have 13.9% growth of your super balance on a yearly basis, but then you obviously have to take away all the fees because the fees do come out.\n\nChannel 1: Yeah.\n\nChannel 0: So it\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: That's\n\nChannel 0: kind\n\nChannel 1: fine.\n\nChannel 0: of yeah. So it\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: That's fine. But but I guess in that case, it's even more, I guess, aspirational that that that we that, yeah, that, I guess, yeah, I don't know. I just I just I I don't know. I just, like, yeah, I just don't know where these figures\n\nChannel 0: Yeah.\n\nChannel 1: are coming from in the sense that it just feels very, like well, I don't know. Like,\n\nChannel 0: Yeah.\n\nChannel 1: I know you can't tell, but I'm just like,\n\nChannel 0: Yeah.\n\nChannel 1: well, why why are you thinking you're gonna get 13.9% return in Australian suit as not, I guess, is what I'm\n\nChannel 0: Yeah.\n\nChannel 1: kind of getting at.\n\nChannel 0: And it is,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: There's a\n\nChannel 0: it\n\nChannel 1: lot\n\nChannel 0: is\n\nChannel 1: of trust in the just\n\nChannel 0: of course.\n\nChannel 1: figures that are being thrown\n\nChannel 0: Yeah.\n\nChannel 1: out my way.\n\nChannel 0: Yeah. And I get it. And as you know, you can also find all\n\nChannel 1: Yeah.\n\nChannel 0: this information. So for example, everything's public. So if you go on the AustralianSuper website and you use, like, the pre balanced mix, that is what they have published as the return.\n\nChannel 1: Yeah.\n\nChannel 0: Now the thing with AustralianSuper is that the way that their investments are, especially those portfolio options, is that it's like a managed portfolio. So they kind of similar to the Benelung investment in the structure is that they have, you know, a range of different investments. So even though you have one portfolio, you know, there are still different investments within that portfolio. But because it's their little mix of investments, we can't actually see those underlying investments. So all the public information is that, okay, well, it is the pre balanced investment option within AustralianSuper.\n\nThey obviously keep that secret because otherwise people might start copying and doing that themselves. So\n\nChannel 1: Yeah.\n\nChannel 0: you can't actually see the underlying investment. With Netwealth, though, the way things are, it is different in that you have full oversight of the individual investment. So you can actually go and on your account, you can see all the investments. You also have the we call them the API code. You can Google it, but even if you just type the full name.\n\nSo for example, the iShares Europe ETF, which is one of the investments in your portfolio. You can actually Google it and then find the returns of each and every single one of those investments, which is how we've then used that to get those 13%.\n\nChannel 1: Yeah. I\n\nChannel 0: So\n\nChannel 1: guess,\n\nChannel 0: all\n\nChannel 1: for\n\nChannel 0: of\n\nChannel 1: me,\n\nChannel 0: that\n\nChannel 1: I was\n\nChannel 0: is\n\nChannel 1: like,\n\nChannel 0: public.\n\nChannel 1: this is why I'm\n\nChannel 0: Yeah.\n\nChannel 1: I don't want to go with Netwealth is because you just you trusted someone else who's looking at that\n\nChannel 0: Yes.\n\nChannel 1: information for you. Do you know what\n\nChannel 0: Yes.\n\nChannel 1: I mean? Like, that's\n\nChannel 0: And\n\nChannel 1: like\n\nChannel 0: that is the\n\nChannel 1: but\n\nChannel 0: job.\n\nChannel 1: yeah.\n\nChannel 0: You\n\nChannel 1: Okay.\n\nChannel 0: know?\n\nChannel 1: So in a nutshell, going off the last six years, so I'm currently 17,800 in the red from being with Netwealth.\n\nChannel 0: If everything stayed the same, but if you look at it so when you came on board, you started on seventy six thousand one hundred and thirty '6. This says that after six years, you would have a 151,951. But you haven't you haven't quite been there for six years yet, Yet you see the balance is at a 181,000. So it is harder to do the historical because there is things that's changed. Obviously, you have your Neos insurances as well coming out, which is more expensive than your Australian super default insurances.\n\nSo it is a bit tricky with the historical to get it accurate. But even if you look at okay. When you came on board, you had seventy six thousand one hundred and thirty six. And today, after about I think it's been about five and a half years, you have a hundred and eighty one thousand two hundred and ninety nine.\n\nChannel 1: Yeah. But, I mean, I guess it's just that that's primarily, I think, looking at it, what I'm getting is that it's primarily due to the contributions that that\n\nChannel 0: Yes.\n\nChannel 1: were at that figure, right,\n\nChannel 0: Contributions.\n\nChannel 1: and the extra contributions\n\nChannel 0: Yes. So contributions, obviously,\n\nChannel 1: rather than\n\nChannel 0: investment.\n\nChannel 1: performance, I guess.\n\nChannel 0: Yes. It's a bit of both, but, yes, obviously, if you didn't make any extra contributions at all, then you wouldn't be as high super balance as you are today.\n\nChannel 1: Yeah.\n\nChannel 0: And then, obviously, when you did make the contribution because everything compounds. So the earlier you made the additional contributions, the quicker your super balance is going to grow because it is still growing and compounding. So\n\nChannel 1: Yeah.\n\nChannel 0: it is\n\nChannel 1: Yeah.\n\nChannel 0: does that make sense?\n\nChannel 1: Yeah. Yeah. And\n\nChannel 0: Yeah.\n\nChannel 1: then okay. So then then the average of from the last five years, the the average rate return rate\n\nChannel 0: Yep.\n\nChannel 1: is for growth is 8.25.\n\nChannel 0: With the old portfolio? Yes.\n\nChannel 1: Yeah. Yeah. Okay. Alright. No problem.\n\nAlright. Well, thank you for talking me through that,\n\nChannel 0: No. That's okay.\n\nChannel 1: and\n\nChannel 0: I know\n\nChannel 1: I'll\n\nChannel 0: it's\n\nChannel 1: have a\n\nChannel 0: a\n\nChannel 1: think about it.\n\nChannel 0: yeah. Would you like me to schedule in a call, or are you happy for the team to, like, reach out in, like, a week or so to see if you have any questions and what your thoughts are?\n\nChannel 1: Yeah.\n\nChannel 0: Or do you wanna\n\nChannel 1: Sure.\n\nChannel 0: send me an email? Yep. Cool.\n\nChannel 1: Yeah. Sure. No. That's fine.\n\nChannel 0: Perfect. Do you want anything scheduled in, or you're happy for for the team to kind of just give you a call to see?\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: they\n\nChannel 0: if you\n\nChannel 1: can\n\nChannel 0: don't\n\nChannel 1: just\n\nChannel 0: have any\n\nChannel 1: reach out. Yeah.\n\nChannel 0: yes.\n\nChannel 1: They're happy for them to reach out, and then we can\n\nChannel 0: Okay.\n\nChannel 1: go from there.\n\nChannel 0: Perfect. And if you do\n\nChannel 1: Okay.\n\nChannel 0: have any other further questions, sorry, you can just send me an email or or send me you know, give me a call. But otherwise, we'll obviously leave that all with you. Obviously, at the end of the day, there's no lock in contract. So if it is that you decide that you want to give the new portfolio a little go and see how things are, there is no lock in contract. Same goes there.\n\nIt's ultimately completely up to you. We want you to be comfortable and be having that trust as well. So if you feel like, you know, this isn't for you, there is no lock in contract. There's no exit fees and stuff like that for us. Obviously, just the capital gains tax on your investment, but for us, there's no exit fees or anything like that.\n\nSo,\n\nChannel 1: Okay.\n\nChannel 0: obviously, take your time to have a read over it, and just let us know what you wanna do at the end of the day.\n\nChannel 1: Yep. Okay. Great. Thank you so much.\n\nChannel 0: Yep. No problem at all. We'll speak soon, and I hope you enjoy the rest of your day.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks, Candice. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.05560984089970589},{"text":"Candice speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.06507262215018272}],"sentiment":"neutral","sentiment_score":0.06191836173335711,"channel":1,"num_words":3,"start":1.04,"end":2.34},{"sentences":[{"text":"Good morning, Candice.","start":2.8799999,"end":3.9199998,"sentiment":"positive","sentiment_score":0.4232284724712372},{"text":"This is Veronica from Achieve Financial.","start":3.9199998,"end":6.02,"sentiment":"positive","sentiment_score":0.4035676419734955},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.31398047010103863}],"sentiment":"positive","sentiment_score":0.3860860566298167,"channel":0,"num_words":12,"start":2.8799999,"end":6.98},{"sentences":[{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.587496817111969},{"text":"Thanks.","start":7.7599998,"end":7.875,"sentiment":"positive","sentiment_score":0.5966304540634155},{"text":"How are you 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do","start":1061.67,"end":1062.31,"sentiment":"neutral","sentiment_score":0.2488364353775978}],"sentiment":"neutral","sentiment_score":0.28203790783882143,"channel":0,"num_words":5,"start":1061.27,"end":1062.31},{"sentences":[{"text":"Okay.","start":1062.1599,"end":1062.6599,"sentiment":"neutral","sentiment_score":0.1797478199005127}],"sentiment":"neutral","sentiment_score":0.1797478199005127,"channel":1,"num_words":1,"start":1062.1599,"end":1062.6599},{"sentences":[{"text":"have any other further questions, sorry, you can just send me an email or or send me you know, give me a call.","start":1062.31,"end":1068.185,"sentiment":"neutral","sentiment_score":0.11270991064932036},{"text":"But otherwise, we'll obviously leave that all with you.","start":1068.485,"end":1071.0651,"sentiment":"neutral","sentiment_score":0.11879901008473502},{"text":"Obviously, at the end of the day, there's no lock in contract.","start":1071.365,"end":1073.9451,"sentiment":"neutral","sentiment_score":0.032191528317828975},{"text":"So if it is that you decide that you want to give the new portfolio a little go and see how things are, there is no lock in contract.","start":1074.325,"end":1082.18,"sentiment":"neutral","sentiment_score":0.12013552479189017},{"text":"Same goes there.","start":1082.18,"end":1082.82,"sentiment":"neutral","sentiment_score":0.1147869701186816}],"sentiment":"neutral","sentiment_score":0.10363300664252356,"channel":0,"num_words":76,"start":1062.31,"end":1082.82},{"sentences":[{"text":"It's ultimately completely up to you.","start":1082.82,"end":1084.58,"sentiment":"neutral","sentiment_score":0.22260822852452597},{"text":"We want you to be comfortable and be having that trust as well.","start":1084.58,"end":1088.42,"sentiment":"positive","sentiment_score":0.3889080114089526},{"text":"So if you feel like, you know, this isn't for you, there is no lock in contract.","start":1088.42,"end":1092.865,"sentiment":"neutral","sentiment_score":-0.0194874897818355},{"text":"There's no exit fees and stuff like that for us.","start":1092.865,"end":1095.2649,"sentiment":"neutral","sentiment_score":0.08795777335762978},{"text":"Obviously, just the capital gains tax on your investment, but for us, there's no exit fees or anything like that.","start":1095.2649,"end":1100.245,"sentiment":"neutral","sentiment_score":0.10103349946439266}],"sentiment":"neutral","sentiment_score":0.13576384721267404,"channel":0,"num_words":66,"start":1082.82,"end":1100.245},{"sentences":[{"text":"So,","start":1100.465,"end":1100.965,"sentiment":"neutral","sentiment_score":0.09011728316545486}],"sentiment":"neutral","sentiment_score":0.09011728316545486,"channel":0,"num_words":1,"start":1100.465,"end":1100.965},{"sentences":[{"text":"Okay.","start":1100.645,"end":1101.145,"sentiment":"neutral","sentiment_score":0.1591026484966278}],"sentiment":"neutral","sentiment_score":0.1591026484966278,"channel":1,"num_words":1,"start":1100.645,"end":1101.145},{"sentences":[{"text":"obviously, take your time to have a read over it, and just let us know what you wanna do at the end of the day.","start":1101.585,"end":1107.49,"sentiment":"neutral","sentiment_score":0.23215259611606598}],"sentiment":"neutral","sentiment_score":0.23215259611606598,"channel":0,"num_words":25,"start":1101.585,"end":1107.49},{"sentences":[{"text":"Yep.","start":1107.94,"end":1108.26,"sentiment":"neutral","sentiment_score":0.2251545786857605},{"text":"Okay.","start":1108.26,"end":1108.74,"sentiment":"positive","sentiment_score":0.4771851301193238},{"text":"Great.","start":1108.74,"end":1109.0599,"sentiment":"positive","sentiment_score":0.8487744331359863},{"text":"Thank you so much.","start":1109.0599,"end":1110.2,"sentiment":"positive","sentiment_score":0.8756831735372543}],"sentiment":"positive","sentiment_score":0.7219781194414411,"channel":1,"num_words":7,"start":1107.94,"end":1110.2},{"sentences":[{"text":"Yep.","start":1110.03,"end":1110.35,"sentiment":"positive","sentiment_score":0.5000590085983276},{"text":"No problem at all.","start":1110.35,"end":1111.15,"sentiment":"positive","sentiment_score":0.6064593344926834},{"text":"We'll speak soon, and I hope you enjoy the rest of your day.","start":1111.15,"end":1113.89,"sentiment":"positive","sentiment_score":0.722267196728633}],"sentiment":"positive","sentiment_score":0.6841872168911828,"channel":0,"num_words":18,"start":1110.03,"end":1113.89},{"sentences":[{"text":"You too.","start":1113.94,"end":1114.74,"sentiment":"positive","sentiment_score":0.5272598564624786},{"text":"Thank you.","start":1114.74,"end":1115.4,"sentiment":"positive","sentiment_score":0.7465161979198456}],"sentiment":"positive","sentiment_score":0.6368880271911621,"channel":1,"num_words":4,"start":1113.94,"end":1115.4},{"sentences":[{"text":"Thanks, Candice.","start":1115.71,"end":1116.61,"sentiment":"positive","sentiment_score":0.6835159659385681},{"text":"Bye.","start":1116.67,"end":1117.17,"sentiment":"positive","sentiment_score":0.4533713757991791}],"sentiment":"positive","sentiment_score":0.6068011025587717,"channel":0,"num_words":3,"start":1115.71,"end":1117.17},{"sentences":[{"text":"Bye.","start":1117.3,"end":1117.8,"sentiment":"neutral","sentiment_score":-0.11054506152868272}],"sentiment":"neutral","sentiment_score":-0.11054506152868272,"channel":1,"num_words":1,"start":1117.3,"end":1117.8}]},"summary":{"result":"success","short":"Representatives from Achieve Financial, including Veronica and the speaker, discuss the historical projections of investment projections and emphasize the importance of avoiding changes to the portfolio. They also emphasize the need for long-term investments underperforming and provide historical information to accurately reflect returns. The return of Australian Super is discussed, with the speaker emphasizing the need for historical information and scheduling a call to further discuss the topic."},"intents":{"segments":[{"text":"I just have you booked in for a bit of a follow-up after our last conversation. Is not still a good time for you? Yeah.","start_word":24,"end_word":48,"intents":[{"intent":"Schedule follow-up","confidence_score":0.12836295}]},{"text":"It's it's just that I don't know. Did you end up sending through them again? Because I couldn't load Yes.","start_word":49,"end_word":68,"intents":[{"intent":"Receive ppts","confidence_score":0.00012451045}]},{"text":"So I got the PDF, but that that only has the portfolio performance in it. The two projection tables? So the monthly performance and then the period performance?","start_word":93,"end_word":120,"intents":[{"intent":"Understand project details","confidence_score":0.00032121103}]},{"text":"Would you want to go through any of it, or would you like me to call you sometime next week if you've had a Yeah.","start_word":224,"end_word":248,"intents":[{"intent":"Expedite visit","confidence_score":0.00014107849}]},{"text":"Well, maybe Can just you while I'm having you, so so the so it's just a historical projection and okay. And the second is the current projection of, like, so that is is Mhmm.","start_word":303,"end_word":336,"intents":[{"intent":"Review current projection","confidence_score":0.004071181}]},{"text":"Just see if you can explain the difference between the two.","start_word":344,"end_word":354,"intents":[{"intent":"Explain difference between the two","confidence_score":0.00085492013}]},{"text":"Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today.","start_word":491,"end_word":523,"intents":[{"intent":"Predict change in income levels","confidence_score":4.0592543e-9}]},{"text":"Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today. And the reason is because I know that you made a little bit of extra contribution into it, which hasn't been factored in to show you more of a like for like comparison.","start_word":491,"end_word":556,"intents":[{"intent":"Compare asset returns","confidence_score":0.00042502605}]},{"text":"So looking back, say, have I been with you, like, five years? Is that the thing? Yeah.","start_word":619,"end_word":635,"intents":[{"intent":"Assess investment duration","confidence_score":0.00010206586}]},{"text":"at the past six years, what what like, if I could get like, you know, how you do like like, every year, they release their average return your average return. So then Mhmm.","start_word":770,"end_word":802,"intents":[{"intent":"Compare returns","confidence_score":0.012900179}]},{"text":"the current and then alternative is if you today, like, roll over to Australian super, the difference in the balance there, it's just the tax on the investments that would come out if you do a full sell down. Does that make sense? Sorry.","start_word":1027,"end_word":1070,"intents":[{"intent":"Clarify taxing differences","confidence_score":0.0006108112}]},{"text":"So that is why we want to avoid making changes because of the tax and stuff like that. But if there Yes.","start_word":1624,"end_word":1645,"intents":[{"intent":"Prevent overtaxation","confidence_score":0.0000015613049}]},{"text":"Yes.","start_word":1895,"end_word":1895,"intents":[{"intent":"Confirm understanding of cost","confidence_score":0.0000030010021}]},{"text":"So it is factoring in all the fees with Netwealth. So even when you look on the second table, you can see that that factors in also the difference in, obviously, adviser fee, which you wouldn't have in Australian Super.","start_word":1896,"end_word":1935,"intents":[{"intent":"Explain projections and factors in fees","confidence_score":0.0009118087},{"intent":"Factor in fees and growth of investments","confidence_score":0.012380958}]},{"text":"So obviously, if you have 13.9% growth of your super balance on a yearly basis, but then you obviously have to take away all the fees because the fees do come out. Yeah.","start_word":1982,"end_word":2014,"intents":[{"intent":"Ask about expected growth of super balance","confidence_score":3.2672258e-7}]},{"text":"Now the thing with AustralianSuper is that the way that their investments are, especially those portfolio options, is that it's like a managed portfolio. So they kind of similar to the Benelung investment in the structure is that they have, you know, a range of different investments. So even though you have one portfolio, you know, there are still different investments within that portfolio.","start_word":2205,"end_word":2268,"intents":[{"intent":"Analyze investment portfolios","confidence_score":0.015251494}]},{"text":"Would you like me to schedule in a call, or are you happy for the team to, like, reach out in, like, a week or so to see if you have any questions and what your thoughts are? Yeah.","start_word":2859,"end_word":2897,"intents":[{"intent":"Schedule call","confidence_score":0.1386658}]}]},"sentiments":{"segments":[{"text":"Hello. Candice speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.061918362975120544},{"text":"Good morning, Candice. This is Veronica from Achieve Financial.","start_word":3,"end_word":11,"sentiment":"positive","sentiment_score":0.413624495267868},{"text":"How are you?","start_word":12,"end_word":14,"sentiment":"neutral","sentiment_score":0.3120028078556061},{"text":"Good. Thanks. How are you going?","start_word":15,"end_word":20,"sentiment":"positive","sentiment_score":0.47078800201416016},{"text":"Yeah.","start_word":21,"end_word":21,"sentiment":"neutral","sentiment_score":0.22966858744621277},{"text":"Good. Thanks.","start_word":22,"end_word":23,"sentiment":"positive","sentiment_score":0.4627697467803955},{"text":"I just have you booked in for a bit of a follow-up after our last conversation. Is not still a good time for you? Yeah. It's it's just that I don't know. Did you end up sending through them again? Because I couldn't load Yes. the things. Oh, okay. Well, I haven't seen those. Sorry, Veronica. No. That's okay. Not the you didn't get the PDF version either? Yeah. So I got the PDF, but that that only has the portfolio performance in it. The two projection tables? So the monthly performance and then the period performance? No. There should be let me see if I can resend it to you. Because I sent because I know you said you couldn't open the two images that had the actual projections. So I send it in a PDF version as well that should have been attached at the bottom of that email. I can see it here, but do you want me to see if I can just resend it now while Yep. I have you No. on the Sorry. phone? I can I can see that email now? No. That's okay. Table projection. Yep. Got it. Yeah. Okay. Yep. Cool. Would you want to go through any of it, or would you like me to call you sometime next week if you've had a Yeah. time to kind If of go you could through it? yeah. Yeah. Just Of so course. I can kind of yeah. So I can, yeah, Have a bit digest of a think it. about That would it. be great. Yes. Awesome. No. Okay. That's Yeah. okay. No. Thank thank you for that. That's okay. Well, maybe Can just you while I'm having you, so so the so it's just a historical projection and okay. And the second is the current projection of, like, so that is is Mhmm. that where we're tracking them? Where sorry. Just see if you can explain the difference between the two. Yes. Of course. So the first one is going back to the super balance you had when you came on board as a client, which is why the the balance is different. So, obviously, the Australian Super at the time with your default insurances, but we have done employee contributions based on your new income. Current and that was the portfolio performance return at the time as well. Current is when you then moved over to Netwealth at the time. The difference at the top there is the upfront advice that you paid at the time when you came on board for factoring in everything. Advice service fee contributions insurances, the return is at the portfolio that you were invested in the whole time up until recently when we did make the the switch for you. Now if you do look at the the five and six years, you will see that the the current net wealth is still a little bit lower than what you actually have today. And the reason is because I know that you made a little bit of extra contribution into it, which hasn't been factored in to show you more of a like for like comparison. And, obviously, if the you didn't have the same income, you know, for the whole duration since you came on board, so there is obviously a bit of discrepancies. But this is kind of the the closest like for like we can do using historical data. Does that make sense? Yeah. Okay. Yeah. So what was it gonna say? The but okay. So looking back, say, have I been with you, like, five years? Is that the thing? Yeah. Almost six. So it's kind of Okay. between five and six. So that's why we did the five and six, so I a little guess bit the longer. I Mhmm. guess for me, the easiest thing would be to so is that like the rolling average of the last five years, Australian Super's return has been 7.62 and net wealth has been 13.9? Eight point two five. Now if you then look at the 13.9, that is the change we've recently made with that ROA. So that is with the swap from Bennelong to the a 200. So because we've made that switch already, that would then be the five year rolling average on the new option for you, which No. is But I guess, why like, if if if historically now looking Yes. at the past six years, what what like, if I could get like, you know, how you do like like, every year, they release their average return your average return. So then Mhmm. Yep. across the six years, what is the average return for network versus when I was in a Australian Super? Yeah. So for the new portfolio, we've changed it to or the old one? No. Like, literally just, like, going because, I mean, we had certainly just recently changed. So, I mean, I'm talking about the average, like so not, like like, the average takes in account everything. So, basically, like, Yes. the from year on year, how you Yep. get an average, Yep. what is the, like, Australian super versus the net wealth. Yep. So if you go up to the first projection, the five year rolling average is using an average across five years. So that means that some of those years, it would have been higher, some would have been lower. So it's using, like, an average across five years for you? Yeah. Okay. Yeah. Okay. So the 7.62 versus eight point Correct. two five. Yes. Yeah. Okay. And then, obviously, you do have fees and stuff like that as well, Yeah. which is obviously, it it makes that difference. And on the second projection, so the one that has the 13.9, if you see the difference at the top versus the balance difference, can you see that? Sorry. Which one? So on the second projection where it's, like, Yeah. the current and then alternative is if you today, like, roll over to Australian super, the difference in the balance there, it's just the tax on the investments that would come out if you do a full sell down. Does that make sense? Sorry. We we she's showing the taxes. I'm sorry. On the first row where it says balance, That's and it says Friday negative balance. Oh, yeah. okay. It says Yep. minus 4,504. That is the the tax or the capital gains tax. So because your super has grown, your investments have made money, if you sell your investments, you will pay tax similar to, like, an investment property. It isn't a concessional rate, but because your super have gone up, if you do a full sell down, that would be tax coming out of your super of around 4,504, which is the only reason why if you do move to Australian Super, the balance is different, if that makes sense. Right. Okay. And that's gone down anyway again, I think, at the moment from what I was seeing the other day. I think I'm I'm I'm definitely sitting in $1.07 something, not $1.08 now. I can actually go in and have a look if you want. Yeah. Okay. Great. Oh, did Netwalls end up calling you? Because we called Yeah. them and No. they said They it did. oh, perfect. You never Yeah. know. Great. Sometimes they say they do, and I was like, they said Yeah. twenty four hours, and I was like, I hope they did. Yes. No. They did, and I I got it sorted on my new phone, which Off.","start_word":24,"end_word":1302,"sentiment":"neutral","sentiment_score":-0.010781725405470014},{"text":"is awesome.","start_word":1303,"end_word":1304,"sentiment":"positive","sentiment_score":0.36104679107666016},{"text":"Great. Alright. Perfect. Let me just see if I check-in here. Right now, it's a 181,290 Oh, okay. 9 Great. So it's and going 30 back up again. 9<unk>. Yeah. Okay. So, basically so whenever I sold, regardless, no matter what, it's whenever if if once you change super funds, you're always going to be hit with taxes. Correct. As long as your super have gone up. So when we made the switch for the Benelon, because Benelon was down, we could then offset. So you didn't pay any tax on the Benelon to the a 200 switch because it was down. You only pay tax if it's up.","start_word":1305,"end_word":1413,"sentiment":"neutral","sentiment_score":0.08369702083665297},{"text":"So some of your other investments have been up quite a bit, which is great, which means that if you do a sell down on all of the investments, that would be the tax.","start_word":1414,"end_word":1447,"sentiment":"positive","sentiment_score":0.4363015294075012},{"text":"But, yes, typically, as your super grow and your investment earnings grow, then you will pay tax on the earnings. Okay. So I would have paid tax when I transferred over from Australian Super to Netwealth. Yes. How Australia Super do it? They have it built into the unit of the price. Despite the yes, there will be tax regardless. Yes. Right. Okay. Got it. It is a bit messy. Yeah. Yeah. Well, they don't really the the I yeah. They don't really I don't really think that was kind of it's not super clear that when you're like, they make it like, yes. You can change super funds Yes. so easily that, Yes. yeah, if you're getting slugged tax every time, Yes. like, I wasn't across that. So Yeah. that's definitely something to be mindful of. But And yes. that's also why we do these updates. And when we are making changes to the portfolio, over the portfolio as, you know, being constructed with diversification and everything that in that is a long term investment. So that is why we want to avoid making changes because of the tax and stuff like that. But if there Yes. is a investment that is underperforming and we don't see it come back up or we don't, you know, agree with their philosophy and the management of those investments anymore, then you also don't wanna just leave it for the sake of not paying tax if it's going to not be good for you. So that Yeah.","start_word":1448,"end_word":1702,"sentiment":"neutral","sentiment_score":-0.11756794899702072},{"text":"is why So we made, you know, the Bennelong switch, and the others are still doing doing good.","start_word":1703,"end_word":1720,"sentiment":"positive","sentiment_score":0.550914466381073},{"text":"yep. Yep. Okay. And then so then, obviously, this Mhmm. this projection here of, like, down the bottom, the five year, ten year, Yes. like, explain that to me because I feel like that considering you guys, like, it hasn't performed for me in the last six years, I Mhmm. guess just wanna know in basically short term, why should I believe that I'm going to be that much better off with Netwealth over the Australian Super when so far I don't feel like that's the case after giving you six years? Yeah. And it is hard, and that's why these projections, it is a good indication, but I always do wanna stress that we can't guarantee anything No. because I get at the it. end But, like, what but what gives you the like, I guess, just where is that projection coming from? Because that that's a solid where you're saying in ten years, I'm gonna have almost $2,200,000 better off going with Netwealth. I'm just wondering where that is coming from. Yes. Yes. So it is factoring in all the fees with Netwealth. So even when you look on the second table, you can see that that factors in also the difference in, obviously, adviser fee, which you wouldn't have in Australian Super. So it factors in all the fees on a yearly basis, and then you take that away and then obviously the return on the investments. And then there are a lot of math and calculation in the back end through factoring the growth of the investments. So obviously, if you have 13.9% growth of your super balance on a yearly basis, but then you obviously have to take away all the fees because the fees do come out. Yeah. So it No. is That's kind fine. of yeah. So it No. is That's fine. But but I guess in that case, it's even more, I guess, aspirational that that that we that, yeah, that, I guess, yeah, I don't know. I just I just I I don't know. I just, like, yeah, I just don't know where these figures Yeah. are coming from in the sense that it just feels very, like well, I don't know. Like, Yeah. I know you can't tell, but I'm just like, Yeah. well, why why are you thinking you're gonna get 13.9% return in Australian suit as not, I guess, is what I'm Yeah. kind of getting at. And it is, Yeah. you know, There's a it lot is of trust in the just of course. figures that are being thrown Yeah. out my way. Yeah. And I get it. And as you know, you can also find all Yeah. this information. So for example, everything's public. So if you go on the AustralianSuper website and you use, like, the pre balanced mix, that is what they have published as the return. Yeah. Now the thing with AustralianSuper is that the way that their investments are, especially those portfolio options, is that it's like a managed portfolio. So they kind of similar to the Benelung investment in the structure is that they have, you know, a range of different investments. So even though you have one portfolio, you know, there are still different investments within that portfolio. But because it's their little mix of investments, we can't actually see those underlying investments. So all the public information is that, okay, well, it is the pre balanced investment option within AustralianSuper. They obviously keep that secret because otherwise people might start copying and doing that themselves. So Yeah. you can't actually see the underlying investment. With Netwealth, though, the way things are, it is different in that you have full oversight of the individual investment. So you can actually go and on your account, you can see all the investments. You also have the we call them the API code. You can Google it, but even if you just type the full name. So for example, the iShares Europe ETF, which is one of the investments in your portfolio. You can actually Google it and then find the returns of each and every single one of those investments, which is how we've then used that to get those 13%. Yeah. I So guess, all for of me, that I was is like, public. this is why I'm Yeah.","start_word":1721,"end_word":2448,"sentiment":"neutral","sentiment_score":0.03413133523657222},{"text":"I don't want to go with Netwealth is because you just you trusted someone else who's looking at that Yes.","start_word":2449,"end_word":2468,"sentiment":"negative","sentiment_score":-0.35554441809654236},{"text":"information for you. Do you know what Yes. I mean? Like, that's And like that is the but job. yeah. You Okay. know? So in a nutshell, going off the last six years, so I'm currently 17,800 in the red from being with Netwealth. If everything stayed the same, but if you look at it so when you came on board, you started on seventy six thousand one hundred and thirty '6. This says that after six years, you would have a 151,951. But you haven't you haven't quite been there for six years yet, Yet you see the balance is at a 181,000. So it is harder to do the historical because there is things that's changed. Obviously, you have your Neos insurances as well coming out, which is more expensive than your Australian super default insurances.","start_word":2469,"end_word":2606,"sentiment":"neutral","sentiment_score":-0.08376283198595047},{"text":"So it is a bit tricky with the historical to get it accurate.","start_word":2607,"end_word":2619,"sentiment":"negative","sentiment_score":-0.3517645001411438},{"text":"But even if you look at okay. When you came on board, you had seventy six thousand one hundred and thirty six. And today, after about I think it's been about five and a half years, you have a hundred and eighty one thousand two hundred and ninety nine. Yeah. But, I mean, I guess it's just that that's primarily, I think, looking at it, what I'm getting is that it's primarily due to the contributions that that Yes. were at that figure, right, Contributions. and the extra contributions Yes. So contributions, obviously, rather than investment. performance, I guess. Yes. It's a bit of both, but, yes, obviously, if you didn't make any extra contributions at all, then you wouldn't be as high super balance as you are today. Yeah. And then, obviously, when you did make the contribution because everything compounds. So the earlier you made the additional contributions, the quicker your super balance is going to grow because it is still growing and compounding. So Yeah. it is Yeah. does that make sense? Yeah. Yeah. And Yeah. then okay. So then then the average of from the last five years, the the average rate return rate Yep. is for growth is 8.25. With the old portfolio? Yes. Yeah. Yeah. Okay. Alright. No problem. Alright. Well, thank you for talking me through that, No. That's okay. and I know I'll it's have a a think about it. yeah. Would you like me to schedule in a call, or are you happy for the team to, like, reach out in, like, a week or so to see if you have any questions and what your thoughts are? Yeah. Or do you wanna Sure. send me an email? Yep. Cool. Yeah. Sure. No. That's fine.","start_word":2620,"end_word":2913,"sentiment":"neutral","sentiment_score":0.05172871793208479},{"text":"Perfect.","start_word":2914,"end_word":2914,"sentiment":"positive","sentiment_score":0.4212035536766052},{"text":"Do you want anything scheduled in, or you're happy for for the team to kind of just give you a call to see? Oh, And they if you can don't just have any reach out. Yeah. yes. They're happy for them to reach out, and then we can Okay. go from there.","start_word":2915,"end_word":2966,"sentiment":"neutral","sentiment_score":0.17622259259223938},{"text":"Perfect.","start_word":2967,"end_word":2967,"sentiment":"positive","sentiment_score":0.4148437976837158},{"text":"And if you do Okay. have any other further questions, sorry, you can just send me an email or or send me you know, give me a call. But otherwise, we'll obviously leave that all with you. Obviously, at the end of the day, there's no lock in contract. So if it is that you decide that you want to give the new portfolio a little go and see how things are, there is no lock in contract. Same goes there. It's ultimately completely up to you.","start_word":2968,"end_word":3054,"sentiment":"neutral","sentiment_score":0.11845210939645769},{"text":"We want you to be comfortable and be having that trust as well.","start_word":3055,"end_word":3067,"sentiment":"positive","sentiment_score":0.4123980104923248},{"text":"So if you feel like, you know, this isn't for you, there is no lock in contract. There's no exit fees and stuff like that for us. Obviously, just the capital gains tax on your investment, but for us, there's no exit fees or anything like that. So, Okay. obviously, take your time to have a read over it, and just let us know what you wanna do at the end of the day. Yep.","start_word":3068,"end_word":3142,"sentiment":"neutral","sentiment_score":0.11051535606384276},{"text":"Okay. Great. Thank you so much. Yep. No problem at all. We'll speak soon, and I hope you enjoy the rest of your day. You too. Thank you. Thanks, Candice. Bye.","start_word":3143,"end_word":3173,"sentiment":"positive","sentiment_score":0.6661540865898132},{"text":"Bye.","start_word":3174,"end_word":3174,"sentiment":"neutral","sentiment_score":0.24495276808738708}],"average":{"sentiment":"neutral","sentiment_score":0.023207046941138995}}}}