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But do you have access to your emails at the moment, James? Yes. Yes. So when you go in, it should be the same as for the interview where you do have a couple of attachments first before it gets you. Yep. Perfect. So that is basically just a research material. So you will have an appendix, which is where, like, the research investment links and stuff like that go. If you do wanna have a have a bit of a read over that in your own time, And then just the accompany product disclosure statement, just for your hub twenty four accounts. Again, just for research and for your reference. But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything just so that you can have a bit of a read over with me. Yep. Perfect. So you can see the cover page there where it says prepared for yourself. Yep. Beautiful. Now on the cover page, you will also see my details listed underneath that. So you will see my authorized, yep, number listed. So, basically, a lot of it today is compliant. You'll see it's about 28 pages. I won't go through all of that with you because it is pretty straightforward. But the purpose as well is to make sure that you are fully across and understand everything. So every time we do make a recommendation on a financial product and give you personalized advice, we have to put everything in this statement of advice just to ensure that, you know, you understand everything, essentially. Yep. Perfect. Now on the second page there, you should see the best interest duty. Can you see that? Yep. Beautiful. Have you heard the of this before? No. Essentially, basically, what it means is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And if I don't act in your best interest, I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me. So, essentially, there's a lot in place just to protect you. So that's basically what it talks about. Yep. Now I'll try to make it pretty quick for you. If you can scroll down through page three where it says scope of advice. Now, basically, what scope of advice for faster is the areas we are looking at in today's statement of the device. So it doesn't mean there's no other things we can't look at down to track. But today, simply, the goal is to focus on your superannuation, to see if we wanted to make any changes in regards to your investment, especially with what's going on in the world to make sure we do have you in the best position possible for retirement. Not making any changes in regards to insurances or anything like that. Just literally your safe relations today. That all makes sense? Yep. Beautiful. Now so, basically, if you can if if you keep scrolling through, you will see a couple of pages about you, page seven and page eight. Just from this box find, just just some information about you, your assets as well. Just have a quick read over that for me just to make sure that's all kind of up to date or if I need to make any changes in the back end for you. Yep. Perfect. Now, otherwise, if you can scroll to page 10 for me, it talks a little bit about your risk profile. Yep. So last time during the under review, we obviously went through kind of risk fluctuations and everything like that. And you were quite comfortable to kind of stay in a high growth portfolio. Your focus is to try and grow your super as much as as possible, still have plenty of time until retirement. So we're not making any changes in regards to your risk profile. It is literally just looking at altering some of your investments. And that just gives you a little bit of information regards to that high growth profile again, aiming for around that 90 to 95 growth assets to 10 to five defensive. Now if you can now scroll to page 12 for me, this kind of outlines the recommendation. So like I said, I have recommended that you retain hub twenty four and just make a couple of changes to your investments. So part of the research, I did also consider other super funds for you just to make sure hub twenty four is still going to be the the best option for you because there's always new products and features that comes out. So it is good to kind of reassess because there's nothing tying us to have twenty four. So if there are better options out there for you, would you like to do reset continuously just to make sure? But for the time being, Hub twenty four is still really competitive. It's very competitive when it comes to price, features, investment choices, and I do use Hub 24 for my personal super as well. So I recommended you stay in Hub twenty four. Now, basically, what this talks about it also talks a little bit about that best interest duty, which is how the recommendation has put you in a better position. I will let you kind of have a read over that in your in your own time as well. And what I usually like to focus on is page comparison table, and I often find that it's easier for people to see it this way of how it actually looks from, like, a numbers point of view. So just let me know if you can see that fee comparison table. Yep. Yep. Now what you did scroll through as well is kind of what I'll go through and discuss with you on on this page, But it does outline the advantages when it comes to the recommendation, some disadvantages to be mindful of, but then also some risk because there's always a level of risk associated with any investment option. So it is good to obviously be mindful of that. But, essentially, like I said, what I have recommended is staying in hub twenty four and changing your investment. Now what that actually looks like is you can see here that by making the changes to just your investments alone, so not contributions, not advice fees, or insurance premium, it will save you roughly $973 a year in investment fees alone, which is pretty good, which does make a pretty big difference. Now you can also then see the rolling average, so the five year rolling average on the return on your investment. So we do like to use a five year rolling average because, yes, you never know what's going to happen in the world and the market, and you can never, guarantee anything about using five years historical as well. It gives us a bit more certainty of what's happened in the market and the portfolio to give you a little bit more certainty. Does that make sense? Yep. Perfect. So you can see here that your current portfolio has performed at about 10.62, and the recommended is about 12.02. So, again, has performed a little bit better, and it's also cheaper, which obviously compounds for you. So if you scroll down through page 16, it then shows you kind of projected five and ten years to then show you that impact. Yeah. Now underneath that as well, you can also see I've included a little bit more about the returns as well so that you can see it. So I've done a twelve twelve returns as well so that you can see it. So I've done a twelve twelve months, three years, five years, and ten years. And you can see that even though your current one has performed pretty good, the the recommended has performed a little bit better across all time frame. Yeah. Which is good. Now the good thing as well with the investment changes is that often when we do make investment changes, there will be capital gains tax when you are selling investment. So with the the calculations and everything on how we have changed the investments, there's actually estimated to be no capital gains tax for you, which is great. So, obviously, it tends to change a little bit and does change on a daily. But when we did the calculations, there there's not going to be any estimated tax, which is great. So for example, if we were to move you to another CISA fund, it would have been around $1,461 in the tax that would come out. Yes. Exactly. Which kind of outlines the alternative, which you probably scroll through, which would be, yeah, considering different super funds, different portfolios, and stuff like that. But this kind of puts you in the best position, considering minimizing tax for you, reducing fees, and wanting to make sure we improve the returns as much as possible. Does that all make sense? Yep. Yep. Perfect. Now what that actually looks like in terms of the investment changes is then outlined on the following page, the page 17. Yep. So what you see here is you can see all the investment names. You can see the current weighting, so how much you have in each investment, what that looks like in terms of the the dollar figure, and then you have a buy and sell column. So everything in red is what we are selling. Everything in black is what we are either keeping in your portfolio or adding to your portfolio. Correct. So you can see that the one investment we are keeping in your portfolio is your iShares S and P 500. That one has done really well. It's very diversified because it does invest in the 500 largest companies listed in The US. So all the big companies very diversified for you. So we are keeping that one in your portfolio as a as a bit of a defensive alternative asset to your gold. Still keeping the gold in your portfolio, just reducing that asset allocation down to about 7% from 10 because we don't wanna have too much overexposure into your defensive as well. But Gold has done really well, and we do definitely wanna keep that in your portfolio. Otherwise, when it comes to what we have added to your portfolio and what we have changed, it kind of spills over through the next page. But for, yeah, but for example, that Benelung investment, which I'm not sure you remember, is the one I kind of touched on last time that I really wanted to look at changing. Yeah. So the one we have kind of swapped that one for is the one at 25%, where it says the beta shares Australia 200. Yeah. So if we are obviously changing one Australian investment, we do wanna sure we still have some exposure to the Australian market. We don't want everything just overseas or in one section. But the BetaShares Australia 200, it does invest in the 200 largest companies listed on the ASX. So companies like, BHP, and Woolworths. And how this one works a little bit differently is that it tracks the 200 largest. As the company grows and gets bigger, it gets added to the top 200 and something else gets smaller and goes out. So because of that, yeah, you have a little bit smoother, and it is a little bit cheaper than the Benelon where they are actively trying to bet, buy, and sell different investments that they believe in in order to outperform the market. So that's where those fees kind of are a bit saving as well. But if if it's not outperforming, then why are you spending more money on it? If it's not, then warranting, like, the active components to it. And then when it comes to kind of your satellite investment, so these are the ones that can be a little bit more specialized, and they are kind of focusing in different sectors and regions. So these are the ones that can give you the most amount of growth, but they can fluctuate a little bit more as well. So these are the ones we wanna have a little bit lower exposure to. So yeah. So for example, you can see 9% invested in Europe. You have, yeah, 5% in Japan, and then you have 8% in Vanguard or Wells. You may have heard of Vanguard before. They're they're they're quite big. Now this one here does exclude The US. So invest in all around the globe, but excluding The US because you already have exposures to The US in the ISHA's S and P 500. And we, yeah, and we wanna make sure you don't have too much in one market either because we do wanna diversify things for you. And then at the bottom of that 5%, you can see just fixed interest, that defensive component to limit fluctuations a little bit there for you. So overall, not massive changes. Just literally changing some of your investments around kind of optimizing things for the future and also what is going on to give you also very well rounded diversified portfolio. Now in the appendix, if it is that you would like to go and read a little bit more on each of these investments, in the appendix, I have included those investment links. But if it is that you do wanna go and have a read over that, that all the material and everything like that is in there for you, which is one of those attachments before you click in the email. Does that make sense? Yep. Perfect. Now what that actually looks like in terms of the asset allocation is then on page 19. So you can see here you have your risk profile, which is aiming around that 90 to 10 split to growth defensive. You can see your existing portfolio, so about '92 through July, and then the proposed, which is about $93.81 to $6.19. So they are both very much closely aligned to your to your high growth portfolio there for you. Slightly more in your growth, not by much, though. Yep. Perfect. Now what I have also done for you is on the page 20, I have included a bit of a retirement income calculator for you just to give you a bit of a just bit of an update on how things are potentially tracking as well. And aiming for that weekly income of around $1,500 per week when you turn 65. So, basically, what's this one here so it also works in a little bit more conservative rate after 60 if you do wanna look at potentially reducing the risk a little bit. So before 60, we've used that the high growth return, but then after 60, just to have a little bit more conservative for you, we've just kind of used a a balanced portfolio just to kind of show you because often people do wanna slightly start reducing risk as they get older as well. So just to show you, now what this looks like as well is the the green is then you drawing an income from superannuation from the age of 65, how that kind of lasts. And then from 79, where you can see the kind of the blue is then where you could potentially supplement a bit of age pension as well. So, obviously, as you draw income from your super, if you draw more, then, obviously, the returns are making for you, it's going to go down gradually, obviously, the older you get. But then you are potentially able to get a bit of a partial age pension from about 79 because you do have plenty of super before then as well to kind of help you get through. And that would still kind of get you through about 91, and then it it will be a potential age pension from there. So it's obviously a bit of a a rough guide there for you, but it does often show you, okay. Well, what we are doing, I'm I'm kind of on track to do what I want to do for retirement anyway. Yep. Perfect. That makes sense. Yep. Yep. Yep. Perfect. Now the last thing I do wanna touch on briefly, again, is just a remuneration. Now there is no changes, like I mentioned, in the annual review through the fee structure. It stays exactly the same at 1.65. Now I have also, just for compliance purposes, included the the premium for your insurances. So with insurances, we do get commissions. That is 22% of the premium ongoing. But that is Zurich, your insurer paying us. It is not you paying us at all. It's the same for every single insurer out there, so it does not sway us in any way to, like, recommend one provider over the other. But for compliance purposes, we have to disclose it so that you are fully aware. Does that all make sense, or do you have any questions in regards to any of that? No. Beautiful. So, essentially, from here, I see them scroll through. It just kind of recaps everything, how to implement the advice. So, basically, from here is if you are happy to go ahead with the investment change, From here, it would be for you to sign the document. You can do it all digitally. Just add a signature and a date. That will then send it back to me, and I will let the team know that you are happy to go ahead with the change. But if you did wanna take some time and have a read over everything as well, you are more than welcome to do that. Yep. Perfect. It should automatically, when you press start or sign, take you to where to sign. But, yes, page 26, it should have a signature box and a date. Now sometimes there is it won't let you get further if there's, like, a little text box. Does do you have that error? Or there's, like, a little text box? Yep. Correct. Yep. Yeah. It is there if you did wanted to make any changes. It allows you to type to type anything. But if not, yeah, just n a full stop. That's fine, and then it will let you kind of submit everything after that. And it should say, yep, it should say validate. Now this document as well, it will be saved into your DocuSign folder as well. So if you do wanna have access to emails later and have a look at it, it's all there. If you do have any issues at all, we always keep a copy on file as well. I'm more than welcome to email that to you if you do ever want any of that. But I can see here, James, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these investment changes for you. And do you have any other changes for you. And do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon? Mhmm. Yep. Yes. The refund? Yes. Yes. Yes. Yeah. Yep. Yep. To go down. Yeah. Okay. Done. Yeah. Yep. Yep. With this. Yes. And I would agree with that very much, especially with everything that's changing with the rules after the budget and everything as well. And kind of like we touched on last time, a a self assessment can be great for a lot of people. Most of the time, it is for property purchases that people do it as well or or businesses and stuff like that. But it does come with a lot more legislation, a lot more responsibility on yourself. And often when we do look at it as well, yes, property prices have kind of gone through the the roof lately as well, but it does put kind of everything into the one basket as well unless you are looking at kind of changing things. And, yeah, and from, like, a liquidity point of view, so if you needed to access your money quickly, but for some reason, like, if if you were to have an accident or you can't work and you get tapered data or something like that, it's it's quite easy for us to sell some of your investment. Now some takes a little bit longer, but some, very quickly, you could get access to that money. Obviously, with the property, everything is looked into the property and obviously going through that whole kind of settlement and stuff like that. So it does make it a little bit trickier from that side of it, and everything is then into one single market. So if it is that there is a bit of a property crash or anything like that, everything is into the one bucket, which is not as kind of diverse diversified as, obviously, the investments we just kind of went through especially with everything that is going on around the globe and everything. So I think yeah. But, look, there's always something if you ever want to revisit it or if at any point you go, no. No. I really do want to look at it. We can always reassess that we can reassess in a couple of months or six months or next under review to be like, okay. Where where are the rules? What's changing? How's your life? Where are you super at? And we can always always look at it. It doesn't have to be an under review time as well. It can be any time during the year as well if you do ever wanna look at it. But I think from what we've kind of spoken about, I think what you were doing now, I would suggest we'll put you in a better position than looking at the the sales manager super fund from what you you're telling me with your goals and everything like that. Yep. No. But it is a good question, though, and it is definitely a popular topic for a lot of people. But, yes, if you do have any further questions in regards to it or if you did wanted to talk more about it at any point in time, just give me a call or send me an email, and we can always book you booked in for another catch up as well to talk more about it. Yep. Beautiful. Well, no. No problem. I will let you go. And are you watching the State of Origin tonight, or you're not really a a too much of a fan? Oh, lovely. Oh, wonderful. Well, I will let you go and enjoy your theater. If you need anything else, James, just let me know. No problem at all. We'll speak soon. Okay. You too. 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James. It's Veronica. How are you? Yeah. Good.\n\nYou made it home okay? Yes. That's really nice and convenient. Now I won't take up too much of your time today. It is pretty straightforward.\n\nBut do you have access to your emails at the moment, James? Yes. Yes. So when you go in, it should be the same as for the interview where you do have a couple of attachments first before it gets you. Yep.\n\nPerfect. So that is basically just a research material. So you will have an appendix, which is where, like, the research investment links and stuff like that go. If you do wanna have a have a bit of a read over that in your own time, And then just the accompany product disclosure statement, just for your hub twenty four accounts. Again, just for research and for your reference.\n\nBut, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything just so that you can have a bit of a read over with me. Yep. Perfect. So you can see the cover page there where it says prepared for yourself. Yep.\n\nBeautiful. Now on the cover page, you will also see my details listed underneath that. So you will see my authorized, yep, number listed. So, basically, a lot of it today is compliant. You'll see it's about 28 pages.\n\nI won't go through all of that with you because it is pretty straightforward. But the purpose as well is to make sure that you are fully across and understand everything. So every time we do make a recommendation on a financial product and give you personalized advice, we have to put everything in this statement of advice just to ensure that, you know, you understand everything, essentially. Yep. Perfect.\n\nNow on the second page there, you should see the best interest duty. Can you see that? Yep. Beautiful. Have you heard the of this before?\n\nNo. Essentially, basically, what it means is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And if I don't act in your best interest, I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me.\n\nSo, essentially, there's a lot in place just to protect you. So that's basically what it talks about. Yep. Now I'll try to make it pretty quick for you. If you can scroll down through page three where it says scope of advice.\n\nNow, basically, what scope of advice for faster is the areas we are looking at in today's statement of the device. So it doesn't mean there's no other things we can't look at down to track. But today, simply, the goal is to focus on your superannuation, to see if we wanted to make any changes in regards to your investment, especially with what's going on in the world to make sure we do have you in the best position possible for retirement. Not making any changes in regards to insurances or anything like that. Just literally your safe relations today.\n\nThat all makes sense? Yep. Beautiful. Now so, basically, if you can if if you keep scrolling through, you will see a couple of pages about you, page seven and page eight. Just from this box find, just just some information about you, your assets as well.\n\nJust have a quick read over that for me just to make sure that's all kind of up to date or if I need to make any changes in the back end for you. Yep. Perfect. Now, otherwise, if you can scroll to page 10 for me, it talks a little bit about your risk profile. Yep.\n\nSo last time during the under review, we obviously went through kind of risk fluctuations and everything like that. And you were quite comfortable to kind of stay in a high growth portfolio. Your focus is to try and grow your super as much as as possible, still have plenty of time until retirement. So we're not making any changes in regards to your risk profile. It is literally just looking at altering some of your investments.\n\nAnd that just gives you a little bit of information regards to that high growth profile again, aiming for around that 90 to 95 growth assets to 10 to five defensive. Now if you can now scroll to page 12 for me, this kind of outlines the recommendation. So like I said, I have recommended that you retain hub twenty four and just make a couple of changes to your investments. So part of the research, I did also consider other super funds for you just to make sure hub twenty four is still going to be the the best option for you because there's always new products and features that comes out. So it is good to kind of reassess because there's nothing tying us to have twenty four.\n\nSo if there are better options out there for you, would you like to do reset continuously just to make sure? But for the time being, Hub twenty four is still really competitive. It's very competitive when it comes to price, features, investment choices, and I do use Hub 24 for my personal super as well. So I recommended you stay in Hub twenty four. Now, basically, what this talks about it also talks a little bit about that best interest duty, which is how the recommendation has put you in a better position.\n\nI will let you kind of have a read over that in your in your own time as well. And what I usually like to focus on is page comparison table, and I often find that it's easier for people to see it this way of how it actually looks from, like, a numbers point of view. So just let me know if you can see that fee comparison table. Yep. Yep.\n\nNow what you did scroll through as well is kind of what I'll go through and discuss with you on on this page, But it does outline the advantages when it comes to the recommendation, some disadvantages to be mindful of, but then also some risk because there's always a level of risk associated with any investment option. So it is good to obviously be mindful of that. But, essentially, like I said, what I have recommended is staying in hub twenty four and changing your investment. Now what that actually looks like is you can see here that by making the changes to just your investments alone, so not contributions, not advice fees, or insurance premium, it will save you roughly $973 a year in investment fees alone, which is pretty good, which does make a pretty big difference. Now you can also then see the rolling average, so the five year rolling average on the return on your investment.\n\nSo we do like to use a five year rolling average because, yes, you never know what's going to happen in the world and the market, and you can never, guarantee anything about using five years historical as well. It gives us a bit more certainty of what's happened in the market and the portfolio to give you a little bit more certainty. Does that make sense? Yep. Perfect.\n\nSo you can see here that your current portfolio has performed at about 10.62, and the recommended is about 12.02. So, again, has performed a little bit better, and it's also cheaper, which obviously compounds for you. So if you scroll down through page 16, it then shows you kind of projected five and ten years to then show you that impact. Yeah. Now underneath that as well, you can also see I've included a little bit more about the returns as well so that you can see it.\n\nSo I've done a twelve twelve returns as well so that you can see it. So I've done a twelve twelve months, three years, five years, and ten years. And you can see that even though your current one has performed pretty good, the the recommended has performed a little bit better across all time frame. Yeah. Which is good.\n\nNow the good thing as well with the investment changes is that often when we do make investment changes, there will be capital gains tax when you are selling investment. So with the the calculations and everything on how we have changed the investments, there's actually estimated to be no capital gains tax for you, which is great. So, obviously, it tends to change a little bit and does change on a daily. But when we did the calculations, there there's not going to be any estimated tax, which is great. So for example, if we were to move you to another CISA fund, it would have been around $1,461 in the tax that would come out.\n\nYes. Exactly. Which kind of outlines the alternative, which you probably scroll through, which would be, yeah, considering different super funds, different portfolios, and stuff like that. But this kind of puts you in the best position, considering minimizing tax for you, reducing fees, and wanting to make sure we improve the returns as much as possible. Does that all make sense?\n\nYep. Yep. Perfect. Now what that actually looks like in terms of the investment changes is then outlined on the following page, the page 17. Yep.\n\nSo what you see here is you can see all the investment names. You can see the current weighting, so how much you have in each investment, what that looks like in terms of the the dollar figure, and then you have a buy and sell column. So everything in red is what we are selling. Everything in black is what we are either keeping in your portfolio or adding to your portfolio. Correct.\n\nSo you can see that the one investment we are keeping in your portfolio is your iShares S and P 500. That one has done really well. It's very diversified because it does invest in the 500 largest companies listed in The US. So all the big companies very diversified for you. So we are keeping that one in your portfolio as a as a bit of a defensive alternative asset to your gold.\n\nStill keeping the gold in your portfolio, just reducing that asset allocation down to about 7% from 10 because we don't wanna have too much overexposure into your defensive as well. But Gold has done really well, and we do definitely wanna keep that in your portfolio. Otherwise, when it comes to what we have added to your portfolio and what we have changed, it kind of spills over through the next page. But for, yeah, but for example, that Benelung investment, which I'm not sure you remember, is the one I kind of touched on last time that I really wanted to look at changing. Yeah.\n\nSo the one we have kind of swapped that one for is the one at 25%, where it says the beta shares Australia 200. Yeah. So if we are obviously changing one Australian investment, we do wanna sure we still have some exposure to the Australian market. We don't want everything just overseas or in one section. But the BetaShares Australia 200, it does invest in the 200 largest companies listed on the ASX.\n\nSo companies like, BHP, and Woolworths. And how this one works a little bit differently is that it tracks the 200 largest. As the company grows and gets bigger, it gets added to the top 200 and something else gets smaller and goes out. So because of that, yeah, you have a little bit smoother, and it is a little bit cheaper than the Benelon where they are actively trying to bet, buy, and sell different investments that they believe in in order to outperform the market. So that's where those fees kind of are a bit saving as well.\n\nBut if if it's not outperforming, then why are you spending more money on it? If it's not, then warranting, like, the active components to it. And then when it comes to kind of your satellite investment, so these are the ones that can be a little bit more specialized, and they are kind of focusing in different sectors and regions. So these are the ones that can give you the most amount of growth, but they can fluctuate a little bit more as well. So these are the ones we wanna have a little bit lower exposure to.\n\nSo yeah. So for example, you can see 9% invested in Europe. You have, yeah, 5% in Japan, and then you have 8% in Vanguard or Wells. You may have heard of Vanguard before. They're they're they're quite big.\n\nNow this one here does exclude The US. So invest in all around the globe, but excluding The US because you already have exposures to The US in the ISHA's S and P 500. And we, yeah, and we wanna make sure you don't have too much in one market either because we do wanna diversify things for you. And then at the bottom of that 5%, you can see just fixed interest, that defensive component to limit fluctuations a little bit there for you. So overall, not massive changes.\n\nJust literally changing some of your investments around kind of optimizing things for the future and also what is going on to give you also very well rounded diversified portfolio. Now in the appendix, if it is that you would like to go and read a little bit more on each of these investments, in the appendix, I have included those investment links. But if it is that you do wanna go and have a read over that, that all the material and everything like that is in there for you, which is one of those attachments before you click in the email. Does that make sense? Yep.\n\nPerfect. Now what that actually looks like in terms of the asset allocation is then on page 19. So you can see here you have your risk profile, which is aiming around that 90 to 10 split to growth defensive. You can see your existing portfolio, so about '92 through July, and then the proposed, which is about $93.81 to $6.19. So they are both very much closely aligned to your to your high growth portfolio there for you.\n\nSlightly more in your growth, not by much, though. Yep. Perfect. Now what I have also done for you is on the page 20, I have included a bit of a retirement income calculator for you just to give you a bit of a just bit of an update on how things are potentially tracking as well. And aiming for that weekly income of around $1,500 per week when you turn 65.\n\nSo, basically, what's this one here so it also works in a little bit more conservative rate after 60 if you do wanna look at potentially reducing the risk a little bit. So before 60, we've used that the high growth return, but then after 60, just to have a little bit more conservative for you, we've just kind of used a a balanced portfolio just to kind of show you because often people do wanna slightly start reducing risk as they get older as well. So just to show you, now what this looks like as well is the the green is then you drawing an income from superannuation from the age of 65, how that kind of lasts. And then from 79, where you can see the kind of the blue is then where you could potentially supplement a bit of age pension as well. So, obviously, as you draw income from your super, if you draw more, then, obviously, the returns are making for you, it's going to go down gradually, obviously, the older you get.\n\nBut then you are potentially able to get a bit of a partial age pension from about 79 because you do have plenty of super before then as well to kind of help you get through. And that would still kind of get you through about 91, and then it it will be a potential age pension from there. So it's obviously a bit of a a rough guide there for you, but it does often show you, okay. Well, what we are doing, I'm I'm kind of on track to do what I want to do for retirement anyway. Yep.\n\nPerfect. That makes sense. Yep. Yep. Yep.\n\nPerfect. Now the last thing I do wanna touch on briefly, again, is just a remuneration. Now there is no changes, like I mentioned, in the annual review through the fee structure. It stays exactly the same at 1.65. Now I have also, just for compliance purposes, included the the premium for your insurances.\n\nSo with insurances, we do get commissions. That is 22% of the premium ongoing. But that is Zurich, your insurer paying us. It is not you paying us at all. It's the same for every single insurer out there, so it does not sway us in any way to, like, recommend one provider over the other.\n\nBut for compliance purposes, we have to disclose it so that you are fully aware. Does that all make sense, or do you have any questions in regards to any of that? No. Beautiful. So, essentially, from here, I see them scroll through.\n\nIt just kind of recaps everything, how to implement the advice. So, basically, from here is if you are happy to go ahead with the investment change, From here, it would be for you to sign the document. You can do it all digitally. Just add a signature and a date. That will then send it back to me, and I will let the team know that you are happy to go ahead with the change.\n\nBut if you did wanna take some time and have a read over everything as well, you are more than welcome to do that. Yep. Perfect. It should automatically, when you press start or sign, take you to where to sign. But, yes, page 26, it should have a signature box and a date.\n\nNow sometimes there is it won't let you get further if there's, like, a little text box. Does do you have that error? Or there's, like, a little text box? Yep. Correct.\n\nYep. Yeah. It is there if you did wanted to make any changes. It allows you to type to type anything. But if not, yeah, just n a full stop.\n\nThat's fine, and then it will let you kind of submit everything after that. And it should say, yep, it should say validate. Now this document as well, it will be saved into your DocuSign folder as well. So if you do wanna have access to emails later and have a look at it, it's all there. If you do have any issues at all, we always keep a copy on file as well.\n\nI'm more than welcome to email that to you if you do ever want any of that. But I can see here, James, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these investment changes for you. And do you have any other changes for you. And do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon?\n\nMhmm. Yep. Yes. The refund? Yes.\n\nYes. Yes. Yeah. Yep. Yep.\n\nTo go down. Yeah. Okay. Done. Yeah.\n\nYep. Yep. With this. Yes. And I would agree with that very much, especially with everything that's changing with the rules after the budget and everything as well.\n\nAnd kind of like we touched on last time, a a self assessment can be great for a lot of people. Most of the time, it is for property purchases that people do it as well or or businesses and stuff like that. But it does come with a lot more legislation, a lot more responsibility on yourself. And often when we do look at it as well, yes, property prices have kind of gone through the the roof lately as well, but it does put kind of everything into the one basket as well unless you are looking at kind of changing things. And, yeah, and from, like, a liquidity point of view, so if you needed to access your money quickly, but for some reason, like, if if you were to have an accident or you can't work and you get tapered data or something like that, it's it's quite easy for us to sell some of your investment.\n\nNow some takes a little bit longer, but some, very quickly, you could get access to that money. Obviously, with the property, everything is looked into the property and obviously going through that whole kind of settlement and stuff like that. So it does make it a little bit trickier from that side of it, and everything is then into one single market. So if it is that there is a bit of a property crash or anything like that, everything is into the one bucket, which is not as kind of diverse diversified as, obviously, the investments we just kind of went through especially with everything that is going on around the globe and everything. So I think yeah.\n\nBut, look, there's always something if you ever want to revisit it or if at any point you go, no. No. I really do want to look at it. We can always reassess that we can reassess in a couple of months or six months or next under review to be like, okay. Where where are the rules?\n\nWhat's changing? How's your life? Where are you super at? And we can always always look at it. It doesn't have to be an under review time as well.\n\nIt can be any time during the year as well if you do ever wanna look at it. But I think from what we've kind of spoken about, I think what you were doing now, I would suggest we'll put you in a better position than looking at the the sales manager super fund from what you you're telling me with your goals and everything like that. Yep. No. But it is a good question, though, and it is definitely a popular topic for a lot of people.\n\nBut, yes, if you do have any further questions in regards to it or if you did wanted to talk more about it at any point in time, just give me a call or send me an email, and we can always book you booked in for another catch up as well to talk more about it. Yep. Beautiful. Well, no. No problem.\n\nI will let you go. And are you watching the State of Origin tonight, or you're not really a a too much of a fan? Oh, lovely. Oh, wonderful. Well, I will let you go and enjoy your theater.\n\nIf you need anything else, James, just let me know. No problem at all. We'll speak soon. Okay. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":1.28,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.10264965146780014},{"text":"It's Veronica.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.10331450030207634},{"text":"How are you?","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.1500383267800013},{"text":"Yeah.","start":5.52,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.28050222992897034},{"text":"Good.","start":5.8399997,"end":6.16,"sentiment":"positive","sentiment_score":0.4752820432186126}],"sentiment":"neutral","sentiment_score":0.17975861744748223,"num_words":9,"start":1.28,"end":6.16},{"sentences":[{"text":"You made it home okay?","start":6.16,"end":7.46,"sentiment":"neutral","sentiment_score":0.2858526766300201},{"text":"Yes.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.3817874789237976},{"text":"That's really nice and convenient.","start":10.96,"end":12.58,"sentiment":"positive","sentiment_score":0.8441074013710022},{"text":"Now I won't take up too much of your time today.","start":16.175,"end":18.895,"sentiment":"neutral","sentiment_score":0.11387633464553139},{"text":"It is pretty straightforward.","start":18.895,"end":20.355,"sentiment":"neutral","sentiment_score":0.2926701121032238}],"sentiment":"neutral","sentiment_score":0.32518876917087114,"num_words":26,"start":6.16,"end":20.355},{"sentences":[{"text":"But do you have access to your emails at the moment, James?","start":21.935001,"end":24.835,"sentiment":"neutral","sentiment_score":0.020670563215389848},{"text":"Yes.","start":27.15,"end":27.65,"sentiment":"neutral","sentiment_score":0.08206233382225037},{"text":"Yes.","start":29.789999,"end":30.27,"sentiment":"neutral","sentiment_score":0.06205160915851593},{"text":"So when you go in, it should be the same as for the interview where you do have a couple of attachments first before it gets you.","start":30.27,"end":40.925,"sentiment":"neutral","sentiment_score":0.055580653043256864},{"text":"Yep.","start":40.925,"end":41.324997,"sentiment":"neutral","sentiment_score":0.14453700184822085}],"sentiment":"neutral","sentiment_score":0.04850893656146668,"num_words":42,"start":21.935001,"end":41.324997},{"sentences":[{"text":"Perfect.","start":41.324997,"end":41.824997,"sentiment":"neutral","sentiment_score":0.29602062702178955},{"text":"So that is basically just a research material.","start":41.885,"end":44.305,"sentiment":"neutral","sentiment_score":0.11497438978403807},{"text":"So you will have an appendix, which is where, like, the research investment links and stuff like that go.","start":44.524998,"end":50.464996,"sentiment":"neutral","sentiment_score":0.09244060633998168},{"text":"If you do wanna have a have a bit of a read over that in your own time, And then just the accompany product disclosure statement, just for your hub twenty four accounts.","start":50.605,"end":59.82,"sentiment":"neutral","sentiment_score":0.06554456427693367},{"text":"Again, just for research and for your reference.","start":59.82,"end":62.4,"sentiment":"neutral","sentiment_score":0.07810027152299881}],"sentiment":"neutral","sentiment_score":0.08347768201560214,"num_words":69,"start":41.324997,"end":62.4},{"sentences":[{"text":"But, otherwise, if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything just so that you can have a bit of a read over with me.","start":63.02,"end":74.405,"sentiment":"neutral","sentiment_score":0.08493709902871739},{"text":"Yep.","start":76.545,"end":76.865,"sentiment":"neutral","sentiment_score":0.13405106961727142},{"text":"Perfect.","start":76.865,"end":77.265,"sentiment":"neutral","sentiment_score":0.27811920642852783},{"text":"So you can see the cover page there where it says prepared for yourself.","start":77.265,"end":81.125,"sentiment":"neutral","sentiment_score":0.1412829134081091},{"text":"Yep.","start":82.01,"end":82.33,"sentiment":"neutral","sentiment_score":0.17787674069404602}],"sentiment":"neutral","sentiment_score":0.10336459281503177,"num_words":61,"start":63.02,"end":82.33},{"sentences":[{"text":"Beautiful.","start":82.33,"end":82.83,"sentiment":"positive","sentiment_score":0.3556209206581116},{"text":"Now on the cover page, you will also see my details listed underneath that.","start":83.450005,"end":87.53,"sentiment":"neutral","sentiment_score":0.10026612931064197},{"text":"So you will see my authorized, yep, number listed.","start":87.53,"end":90.67,"sentiment":"neutral","sentiment_score":0.07939542250500785},{"text":"So, basically, a lot of it today is compliant.","start":91.770004,"end":94.19,"sentiment":"neutral","sentiment_score":0.17428142494625515},{"text":"You'll see it's about 28 pages.","start":94.25,"end":96.01,"sentiment":"neutral","sentiment_score":0.06844326853752136}],"sentiment":"neutral","sentiment_score":0.11418199921265626,"num_words":39,"start":82.33,"end":96.01},{"sentences":[{"text":"I won't go through all of that with you because it is pretty straightforward.","start":96.01,"end":99.90969,"sentiment":"neutral","sentiment_score":0.10857895814946719},{"text":"But the purpose as well is to make sure that you are fully across and understand everything.","start":99.90969,"end":104.90875,"sentiment":"neutral","sentiment_score":0.09746994604082669},{"text":"So every time we do make a recommendation on a financial product and give you personalized advice, we have to put everything in this statement of advice just to ensure that, you know, you understand everything, essentially.","start":104.90875,"end":117.21,"sentiment":"neutral","sentiment_score":0.10006261717628788},{"text":"Yep.","start":118.39,"end":118.89,"sentiment":"neutral","sentiment_score":0.2652454376220703},{"text":"Perfect.","start":118.95,"end":119.45,"sentiment":"positive","sentiment_score":0.6431733965873718}],"sentiment":"neutral","sentiment_score":0.1112547166645527,"num_words":70,"start":96.01,"end":119.45},{"sentences":[{"text":"Now on the second page there, you should see the best interest duty.","start":119.91,"end":124.55,"sentiment":"neutral","sentiment_score":0.220503436258206},{"text":"Can you see that?","start":124.55,"end":125.61,"sentiment":"neutral","sentiment_score":0.1365176048129797},{"text":"Yep.","start":126.075,"end":126.395,"sentiment":"neutral","sentiment_score":0.1383833289146423},{"text":"Beautiful.","start":126.395,"end":126.895,"sentiment":"positive","sentiment_score":0.4273388981819153},{"text":"Have you heard the of this before?","start":127.115,"end":128.975,"sentiment":"neutral","sentiment_score":0.07313534085239683}],"sentiment":"neutral","sentiment_score":0.17270325783353585,"num_words":26,"start":119.91,"end":128.975},{"sentences":[{"text":"No.","start":131.595,"end":132.095,"sentiment":"neutral","sentiment_score":-0.1244564801454544},{"text":"Essentially, basically, what it means is that we have to act in your best interest at all time, and the advice has to put you in a better position as a result of the advice.","start":132.235,"end":142.44,"sentiment":"neutral","sentiment_score":0.01278153359889984},{"text":"Otherwise, I can't actually make the recommendation.","start":142.58,"end":144.36,"sentiment":"neutral","sentiment_score":-0.1890499825988497},{"text":"And if I don't act in your best interest, I will lose my license.","start":145.46,"end":148.42,"sentiment":"negative","sentiment_score":-0.47509398417813437},{"text":"And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start":148.42,"end":153.56,"sentiment":"negative","sentiment_score":-0.40797572379762476}],"sentiment":"neutral","sentiment_score":-0.21047132132174093,"num_words":79,"start":131.595,"end":153.56},{"sentences":[{"text":"So, essentially, there's a lot in place just to protect you.","start":153.82501,"end":157.18501,"sentiment":"neutral","sentiment_score":-0.0933299491351301},{"text":"So that's basically what it talks about.","start":157.18501,"end":159.205,"sentiment":"neutral","sentiment_score":0.0062933822295495444},{"text":"Yep.","start":159.82501,"end":160.32501,"sentiment":"neutral","sentiment_score":0.043514497578144073},{"text":"Now I'll try to make it pretty quick for you.","start":160.46501,"end":162.785,"sentiment":"neutral","sentiment_score":0.0885194841772318},{"text":"If you can scroll down through page three where it says scope of advice.","start":162.785,"end":167.925,"sentiment":"neutral","sentiment_score":0.020135303626635244}],"sentiment":"neutral","sentiment_score":0.005302972680087699,"num_words":43,"start":153.82501,"end":167.925},{"sentences":[{"text":"Now, basically, what scope of advice for faster is the areas we are looking at in today's statement of the device.","start":169.76001,"end":176.88,"sentiment":"neutral","sentiment_score":0.056018557133419175},{"text":"So it doesn't mean there's no other things we can't look at down to track.","start":176.88,"end":180.18001,"sentiment":"neutral","sentiment_score":0.02826213960846265},{"text":"But today, simply, the goal is to focus on your superannuation, to see if we wanted to make any changes in regards to your investment, especially with what's going on in the world to make sure we do have you in the best position possible for retirement.","start":180.24,"end":195.315,"sentiment":"neutral","sentiment_score":0.19075213943390137},{"text":"Not making any changes in regards to insurances or anything like that.","start":196.26001,"end":200.98001,"sentiment":"neutral","sentiment_score":0.022284066304564476},{"text":"Just literally your safe relations today.","start":200.98001,"end":203.32,"sentiment":"neutral","sentiment_score":0.23823351661364237}],"sentiment":"neutral","sentiment_score":0.12141071527384885,"num_words":101,"start":169.76001,"end":203.32},{"sentences":[{"text":"That all makes sense?","start":203.78,"end":204.84,"sentiment":"neutral","sentiment_score":0.20838532969355583},{"text":"Yep.","start":206.18001,"end":206.58,"sentiment":"neutral","sentiment_score":0.12757115066051483},{"text":"Beautiful.","start":206.58,"end":207.08,"sentiment":"positive","sentiment_score":0.3909178376197815},{"text":"Now so, basically, if you can if if you keep scrolling through, you will see a couple of pages about you, page seven and page eight.","start":208.18001,"end":218.505,"sentiment":"neutral","sentiment_score":0.06752610163619885},{"text":"Just from this box find, just just some information about you, your assets as well.","start":219.285,"end":224.185,"sentiment":"neutral","sentiment_score":0.06884716873367627}],"sentiment":"neutral","sentiment_score":0.08809396767235816,"num_words":47,"start":203.78,"end":224.185},{"sentences":[{"text":"Just have a quick read over that for me just to make sure that's all kind of up to date or if I need to make any changes in the back end for you.","start":224.33,"end":231.39,"sentiment":"neutral","sentiment_score":0.10443273734520464},{"text":"Yep.","start":242.425,"end":242.925,"sentiment":"neutral","sentiment_score":0.3302959203720093},{"text":"Perfect.","start":242.985,"end":243.485,"sentiment":"positive","sentiment_score":0.5674900412559509},{"text":"Now, otherwise, if you can scroll to page 10 for me, it talks a little bit about your risk profile.","start":243.865,"end":250.925,"sentiment":"neutral","sentiment_score":0.05602318691089749},{"text":"Yep.","start":252.89,"end":253.39,"sentiment":"neutral","sentiment_score":0.026068931445479393}],"sentiment":"neutral","sentiment_score":0.09815845089523416,"num_words":57,"start":224.33,"end":253.39},{"sentences":[{"text":"So last time during the under review, we obviously went through kind of risk fluctuations and everything like that.","start":253.93,"end":260.03,"sentiment":"neutral","sentiment_score":-0.01302589231023663},{"text":"And you were quite comfortable to kind of stay in a high growth portfolio.","start":260.97,"end":264.51,"sentiment":"positive","sentiment_score":0.35922818311623167},{"text":"Your focus is to try and grow your super as much as as possible, still have plenty of time until retirement.","start":264.65,"end":270.14502,"sentiment":"neutral","sentiment_score":0.2446695060602256},{"text":"So we're not making any changes in regards to your risk profile.","start":270.845,"end":274.845,"sentiment":"neutral","sentiment_score":-0.21047664557894072},{"text":"It is literally just looking at altering some of your investments.","start":274.845,"end":278.065,"sentiment":"neutral","sentiment_score":-0.07368160851977089}],"sentiment":"neutral","sentiment_score":0.08550058177055476,"num_words":77,"start":253.93,"end":278.065},{"sentences":[{"text":"And that just gives you a little bit of information regards to that high growth profile again, aiming for around that 90 to 95 growth assets to 10 to five defensive.","start":279.9,"end":291.19998,"sentiment":"neutral","sentiment_score":0.10042053413006567},{"text":"Now if you can now scroll to page 12 for me, this kind of outlines the recommendation.","start":293.655,"end":299.115,"sentiment":"neutral","sentiment_score":0.07569021512480344},{"text":"So like I said, I have recommended that you retain hub twenty four and just make a couple of changes to your investments.","start":300.13498,"end":306.65,"sentiment":"neutral","sentiment_score":0.07784726219656675},{"text":"So part of the research, I did also consider other super funds for you just to make sure hub twenty four is still going to be the the best option for you because there's always new products and features that comes out.","start":306.87,"end":319.175,"sentiment":"neutral","sentiment_score":0.10608584753104619},{"text":"So it is good to kind of reassess because there's nothing tying us to have twenty four.","start":319.175,"end":323.415,"sentiment":"neutral","sentiment_score":0.0628747394965852}],"sentiment":"neutral","sentiment_score":0.09011333394938936,"num_words":130,"start":279.9,"end":323.415},{"sentences":[{"text":"So if there are better options out there for you, would you like to do reset continuously just to make sure?","start":323.415,"end":329.76,"sentiment":"neutral","sentiment_score":0.02268651651129836},{"text":"But for the time being, Hub twenty four is still really competitive.","start":329.84,"end":332.98,"sentiment":"neutral","sentiment_score":0.20824855472892523},{"text":"It's very competitive when it comes to price, features, investment choices, and I do use Hub 24 for my personal super as well.","start":333.6,"end":341.12,"sentiment":"neutral","sentiment_score":0.2998458276624265},{"text":"So I recommended you stay in Hub twenty four.","start":341.12,"end":345.345,"sentiment":"neutral","sentiment_score":0.2977271013789707},{"text":"Now, basically, what this talks about it also talks a little bit about that best interest duty, which is how the recommendation has put you in a better position.","start":346.225,"end":355.285,"sentiment":"positive","sentiment_score":0.3838076252361824}],"sentiment":"neutral","sentiment_score":0.2519342402551085,"num_words":94,"start":323.415,"end":355.285},{"sentences":[{"text":"I will let you kind of have a read over that in your in your own time as well.","start":355.905,"end":359.54865,"sentiment":"positive","sentiment_score":0.33436243314492076},{"text":"And what I usually like to focus on is page comparison table, and I often find that it's easier for people to see it this way of how it actually looks from, like, a numbers point of view.","start":359.54865,"end":379.425,"sentiment":"neutral","sentiment_score":0.223432967145192},{"text":"So just let me know if you can see that fee comparison table.","start":381.005,"end":384.385,"sentiment":"neutral","sentiment_score":0.13503025701412788},{"text":"Yep.","start":385.485,"end":385.965,"sentiment":"neutral","sentiment_score":0.0890762209892273},{"text":"Yep.","start":385.965,"end":386.465,"sentiment":"neutral","sentiment_score":0.10058870911598206}],"sentiment":"neutral","sentiment_score":0.23317218406332862,"num_words":72,"start":355.905,"end":386.465},{"sentences":[{"text":"Now what you did scroll through as well is kind of what I'll go through and discuss with you on on this page, But it does outline the advantages when it comes to the recommendation, some disadvantages to be mindful of, but then also some risk because there's always a level of risk associated with any investment option.","start":386.525,"end":406.2,"sentiment":"neutral","sentiment_score":-0.05825563796378415},{"text":"So it is good to obviously be mindful of that.","start":406.56497,"end":409.22498,"sentiment":"neutral","sentiment_score":0.08958645984530449},{"text":"But, essentially, like I said, what I have recommended is staying in hub twenty four and changing your investment.","start":409.525,"end":415.94498,"sentiment":"neutral","sentiment_score":0.23785962242829173},{"text":"Now what that actually looks like is you can see here that by making the changes to just your investments alone, so not contributions, not advice fees, or insurance premium, it will save you roughly $973 a year in investment fees alone, which is pretty good, which does make a pretty big difference.","start":416.085,"end":439.805,"sentiment":"neutral","sentiment_score":0.3273803136258755},{"text":"Now you can also then see the rolling average, so the five year rolling average on the return on your investment.","start":440.025,"end":448.205,"sentiment":"neutral","sentiment_score":0.21808061500390372}],"sentiment":"neutral","sentiment_score":0.1488647202481024,"num_words":161,"start":386.525,"end":448.205},{"sentences":[{"text":"So we do like to use a five year rolling average because, yes, you never know what's going to happen in the world and the market, and you can never, guarantee anything about using five years historical as well.","start":448.825,"end":461.59,"sentiment":"neutral","sentiment_score":0.1375813134587728},{"text":"It gives us a bit more certainty of what's happened in the market and the portfolio to give you a little bit more certainty.","start":461.59,"end":468.435,"sentiment":"neutral","sentiment_score":0.20590444871534905},{"text":"Does that make sense?","start":468.435,"end":469.495,"sentiment":"neutral","sentiment_score":0.20005356147885323},{"text":"Yep.","start":470.595,"end":470.995,"sentiment":"neutral","sentiment_score":0.23264984786510468},{"text":"Perfect.","start":470.995,"end":471.47498,"sentiment":"neutral","sentiment_score":0.1262311041355133}],"sentiment":"neutral","sentiment_score":0.16618077089821082,"num_words":69,"start":448.825,"end":471.47498},{"sentences":[{"text":"So you can see here that your current portfolio has performed at about 10.62, and the recommended is about 12.02.","start":471.47498,"end":481.28,"sentiment":"neutral","sentiment_score":0.11824681498110294},{"text":"So, again, has performed a little bit better, and it's also cheaper, which obviously compounds for you.","start":482.06,"end":488.78,"sentiment":"positive","sentiment_score":0.42315998673439026},{"text":"So if you scroll down through page 16, it then shows you kind of projected five and ten years to then show you that impact.","start":488.78,"end":498.775,"sentiment":"neutral","sentiment_score":0.08740174904465675},{"text":"Yeah.","start":500.11502,"end":500.61502,"sentiment":"neutral","sentiment_score":0.1013929545879364},{"text":"Now underneath that as well, you can also see I've included a little bit more about the returns as well so that you can see it.","start":501.475,"end":505.575,"sentiment":"neutral","sentiment_score":0.1333839942056399}],"sentiment":"neutral","sentiment_score":0.17205704049615378,"num_words":89,"start":471.47498,"end":505.575},{"sentences":[{"text":"So I've done a twelve twelve returns as well so that you can see it.","start":505.575,"end":509.13998,"sentiment":"neutral","sentiment_score":0.16922156214714051},{"text":"So I've done a twelve twelve months, three years, five years, and ten years.","start":509.44,"end":513.52,"sentiment":"neutral","sentiment_score":0.1607365608215332},{"text":"And you can see that even though your current one has performed pretty good, the the recommended has performed a little bit better across all time frame.","start":513.52,"end":521.745,"sentiment":"neutral","sentiment_score":0.1776519059031098},{"text":"Yeah.","start":522.305,"end":522.785,"sentiment":"neutral","sentiment_score":0.3003629148006439},{"text":"Which is good.","start":522.785,"end":523.745,"sentiment":"positive","sentiment_score":0.529366115729014}],"sentiment":"neutral","sentiment_score":0.19122830008467037,"num_words":60,"start":505.575,"end":523.745},{"sentences":[{"text":"Now the good thing as well with the investment changes is that often when we do make investment changes, there will be capital gains tax when you are selling investment.","start":523.745,"end":534.245,"sentiment":"neutral","sentiment_score":0.18094052051504453},{"text":"So with the the calculations and everything on how we have changed the investments, there's actually estimated to be no capital gains tax for you, which is great.","start":535.72,"end":545.66,"sentiment":"neutral","sentiment_score":0.2690792230090925},{"text":"So, obviously, it tends to change a little bit and does change on a daily.","start":547.27496,"end":550.475,"sentiment":"neutral","sentiment_score":0.07349541907509168},{"text":"But when we did the calculations, there there's not going to be any estimated tax, which is great.","start":550.475,"end":556.315,"sentiment":"neutral","sentiment_score":0.1291497384922372},{"text":"So for example, if we were to move you to another CISA fund, it would have been around $1,461 in the tax that would come out.","start":556.315,"end":567.23,"sentiment":"neutral","sentiment_score":0.07611218732423507}],"sentiment":"neutral","sentiment_score":0.15699553255660412,"num_words":117,"start":523.745,"end":567.23},{"sentences":[{"text":"Yes.","start":567.61,"end":567.93,"sentiment":"neutral","sentiment_score":0.086935855448246},{"text":"Exactly.","start":567.93,"end":568.41,"sentiment":"neutral","sentiment_score":0.0989801213145256},{"text":"Which kind of outlines the alternative, which you probably scroll through, which would be, yeah, considering different super funds, different portfolios, and stuff like that.","start":568.41,"end":577.475,"sentiment":"neutral","sentiment_score":0.0969578856229782},{"text":"But this kind of puts you in the best position, considering minimizing tax for you, reducing fees, and wanting to make sure we improve the returns as much as possible.","start":577.475,"end":586.855,"sentiment":"neutral","sentiment_score":0.3101797759532928},{"text":"Does that all make sense?","start":588.13,"end":589.43,"sentiment":"neutral","sentiment_score":0.18599821925163268}],"sentiment":"neutral","sentiment_score":0.20718141116442218,"num_words":62,"start":567.61,"end":589.43},{"sentences":[{"text":"Yep.","start":590.69,"end":591.09,"sentiment":"neutral","sentiment_score":0.16095706820487976},{"text":"Yep.","start":591.09,"end":591.59,"sentiment":"positive","sentiment_score":0.3370262384414673},{"text":"Perfect.","start":591.73,"end":592.23,"sentiment":"positive","sentiment_score":0.6788203716278076},{"text":"Now what that actually looks like in terms of the investment changes is then outlined on the following page, the page 17.","start":593.25,"end":601.03,"sentiment":"neutral","sentiment_score":0.13937932896343144},{"text":"Yep.","start":602.935,"end":603.435,"sentiment":"neutral","sentiment_score":0.08878949284553528}],"sentiment":"neutral","sentiment_score":0.16661301570443007,"num_words":26,"start":590.69,"end":603.435},{"sentences":[{"text":"So what you see here is you can see all the investment names.","start":603.575,"end":606.795,"sentiment":"neutral","sentiment_score":0.08159501019578713},{"text":"You can see the current weighting, so how much you have in each investment, what that looks like in terms of the the dollar figure, and then you have a buy and sell column.","start":606.85504,"end":618.36,"sentiment":"neutral","sentiment_score":0.055038084330804204},{"text":"So everything in red is what we are selling.","start":618.42,"end":622.12,"sentiment":"neutral","sentiment_score":0.018293945946627192},{"text":"Everything in black is what we are either keeping in your portfolio or adding to your portfolio.","start":622.98,"end":629.24,"sentiment":"neutral","sentiment_score":0.021566240938709062},{"text":"Correct.","start":630.585,"end":631.085,"sentiment":"neutral","sentiment_score":0.16274338960647583}],"sentiment":"neutral","sentiment_score":0.04900060809292906,"num_words":74,"start":603.575,"end":631.085},{"sentences":[{"text":"So you can see that the one investment we are keeping in your portfolio is your iShares S and P 500.","start":632.025,"end":640.525,"sentiment":"neutral","sentiment_score":0.1856435076111839},{"text":"That one has done really well.","start":640.985,"end":642.505,"sentiment":"positive","sentiment_score":0.5472237666447958},{"text":"It's very diversified because it does invest in the 500 largest companies listed in The US.","start":642.505,"end":648.52997,"sentiment":"neutral","sentiment_score":0.23689915239810944},{"text":"So all the big companies very diversified for you.","start":648.52997,"end":651.82996,"sentiment":"neutral","sentiment_score":0.29515523380703396},{"text":"So we are keeping that one in your portfolio as a as a bit of a defensive alternative asset to your gold.","start":652.05,"end":659.655,"sentiment":"neutral","sentiment_score":0.23488994416865436}],"sentiment":"neutral","sentiment_score":0.25400295370333903,"num_words":74,"start":632.025,"end":659.655},{"sentences":[{"text":"Still keeping the gold in your portfolio, just reducing that asset allocation down to about 7% from 10 because we don't wanna have too much overexposure into your defensive as well.","start":659.815,"end":671.67,"sentiment":"neutral","sentiment_score":0.1453700392476974},{"text":"But Gold has done really well, and we do definitely wanna keep that in your portfolio.","start":671.82996,"end":677.93,"sentiment":"positive","sentiment_score":0.5138797499239445},{"text":"Otherwise, when it comes to what we have added to your portfolio and what we have changed, it kind of spills over through the next page.","start":679.51,"end":687.59503,"sentiment":"neutral","sentiment_score":0.0037370244614206827},{"text":"But for, yeah, but for example, that Benelung investment, which I'm not sure you remember, is the one I kind of touched on last time that I really wanted to look at changing.","start":688.215,"end":697.575,"sentiment":"neutral","sentiment_score":0.011506322940642183},{"text":"Yeah.","start":697.575,"end":697.98,"sentiment":"neutral","sentiment_score":0.020417675375938416}],"sentiment":"neutral","sentiment_score":0.12360594564369906,"num_words":107,"start":659.815,"end":697.98},{"sentences":[{"text":"So the one we have kind of swapped that one for is the one at 25%, where it says the beta shares Australia 200.","start":698.3,"end":705.82,"sentiment":"neutral","sentiment_score":0.03538301804413398},{"text":"Yeah.","start":705.82,"end":706.32,"sentiment":"neutral","sentiment_score":0.05732858926057816},{"text":"So if we are obviously changing one Australian investment, we do wanna sure we still have some exposure to the Australian market.","start":706.54,"end":712.475,"sentiment":"neutral","sentiment_score":0.03186428542672233},{"text":"We don't want everything just overseas or in one section.","start":712.475,"end":715.295,"sentiment":"neutral","sentiment_score":-0.10614249259233474},{"text":"But the BetaShares Australia 200, it does invest in the 200 largest companies listed on the ASX.","start":715.835,"end":722.575,"sentiment":"neutral","sentiment_score":0.10116398049628034}],"sentiment":"neutral","sentiment_score":0.03062024384082572,"num_words":74,"start":698.3,"end":722.575},{"sentences":[{"text":"So companies like, BHP, and Woolworths.","start":723.3,"end":726.60004,"sentiment":"neutral","sentiment_score":0.11436609054605167},{"text":"And how this one works a little bit differently is that it tracks the 200 largest.","start":726.9,"end":731.16003,"sentiment":"neutral","sentiment_score":0.08600982092320919},{"text":"As the company grows and gets bigger, it gets added to the top 200 and something else gets smaller and goes out.","start":731.54,"end":737.835,"sentiment":"neutral","sentiment_score":0.013669024475596168},{"text":"So because of that, yeah, you have a little bit smoother, and it is a little bit cheaper than the Benelon where they are actively trying to bet, buy, and sell different investments that they believe in in order to outperform the market.","start":738.155,"end":752.51,"sentiment":"neutral","sentiment_score":0.20967381941371185},{"text":"So that's where those fees kind of are a bit saving as well.","start":752.51,"end":755.95,"sentiment":"neutral","sentiment_score":0.19635298275030577}],"sentiment":"neutral","sentiment_score":0.13931635227054356,"num_words":100,"start":723.3,"end":755.95},{"sentences":[{"text":"But if if it's not outperforming, then why are you spending more money on it?","start":755.95,"end":762.35004,"sentiment":"neutral","sentiment_score":-0.3105215941866239},{"text":"If it's not, then warranting, like, the active components to it.","start":762.35004,"end":766.485,"sentiment":"neutral","sentiment_score":-0.06867959604344585},{"text":"And then when it comes to kind of your satellite investment, so these are the ones that can be a little bit more specialized, and they are kind of focusing in different sectors and regions.","start":768.40497,"end":777.305,"sentiment":"neutral","sentiment_score":0.02502845280936786},{"text":"So these are the ones that can give you the most amount of growth, but they can fluctuate a little bit more as well.","start":778.325,"end":782.82,"sentiment":"neutral","sentiment_score":0.05541467433795333},{"text":"So these are the ones we wanna have a little bit lower exposure to.","start":782.82,"end":786.12,"sentiment":"neutral","sentiment_score":0.04559007686163698}],"sentiment":"neutral","sentiment_score":-0.02595040768460192,"num_words":99,"start":755.95,"end":786.12},{"sentences":[{"text":"So yeah.","start":786.58,"end":787.54,"sentiment":"neutral","sentiment_score":0.054535917937755585},{"text":"So for example, you can see 9% invested in Europe.","start":787.54,"end":791.32,"sentiment":"neutral","sentiment_score":0.07531464472413063},{"text":"You have, yeah, 5% in Japan, and then you have 8% in Vanguard or Wells.","start":791.86,"end":799.185,"sentiment":"neutral","sentiment_score":0.07517527565360069},{"text":"You may have heard of Vanguard before.","start":799.185,"end":800.78503,"sentiment":"neutral","sentiment_score":0.022813336923718452},{"text":"They're they're they're quite big.","start":800.78503,"end":802.565,"sentiment":"neutral","sentiment_score":-0.01028314307332039}],"sentiment":"neutral","sentiment_score":0.053798078487698846,"num_words":39,"start":786.58,"end":802.565},{"sentences":[{"text":"Now this one here does exclude The US.","start":802.865,"end":806.385,"sentiment":"neutral","sentiment_score":0.024533624527975917},{"text":"So invest in all around the globe, but excluding The US because you already have exposures to The US in the ISHA's S and P 500.","start":806.385,"end":815.48,"sentiment":"neutral","sentiment_score":0.02409878487770374},{"text":"And we, yeah, and we wanna make sure you don't have too much in one market either because we do wanna diversify things for you.","start":815.7,"end":823.24,"sentiment":"neutral","sentiment_score":0.10877069771289825},{"text":"And then at the bottom of that 5%, you can see just fixed interest, that defensive component to limit fluctuations a little bit there for you.","start":823.82495,"end":832.805,"sentiment":"positive","sentiment_score":0.36922181569612944},{"text":"So overall, not massive changes.","start":833.745,"end":836.005,"sentiment":"positive","sentiment_score":0.41646060943603513}],"sentiment":"neutral","sentiment_score":0.1691575011238456,"num_words":90,"start":802.865,"end":836.005},{"sentences":[{"text":"Just literally changing some of your investments around kind of optimizing things for the future and also what is going on to give you also very well rounded diversified portfolio.","start":836.225,"end":846.29,"sentiment":"positive","sentiment_score":0.6855431109666824},{"text":"Now in the appendix, if it is that you would like to go and read a little bit more on each of these investments, in the appendix, I have included those investment links.","start":848.03,"end":857.055,"sentiment":"neutral","sentiment_score":0.16015004456946344},{"text":"But if it is that you do wanna go and have a read over that, that all the material and everything like that is in there for you, which is one of those attachments before you click in the email.","start":857.27496,"end":865.69495,"sentiment":"neutral","sentiment_score":0.1394158025737852},{"text":"Does that make sense?","start":865.83496,"end":866.975,"sentiment":"neutral","sentiment_score":0.0536923436447978},{"text":"Yep.","start":867.06,"end":867.56,"sentiment":"neutral","sentiment_score":0.07619304955005646}],"sentiment":"neutral","sentiment_score":0.2936929567303095,"num_words":108,"start":836.225,"end":867.56},{"sentences":[{"text":"Perfect.","start":868.74,"end":869.24,"sentiment":"positive","sentiment_score":0.5019086599349976},{"text":"Now what that actually looks like in terms of the asset allocation is then on page 19.","start":870.34,"end":876.52,"sentiment":"neutral","sentiment_score":0.15515577048063278},{"text":"So you can see here you have your risk profile, which is aiming around that 90 to 10 split to growth defensive.","start":877.54,"end":885.21497,"sentiment":"neutral","sentiment_score":0.12750397554852747},{"text":"You can see your existing portfolio, so about '92 through July, and then the proposed, which is about $93.81 to $6.19.","start":886.075,"end":897.535,"sentiment":"neutral","sentiment_score":0.14929317150797164},{"text":"So they are both very much closely aligned to your to your high growth portfolio there for you.","start":898.28,"end":905.98004,"sentiment":"neutral","sentiment_score":0.2845965727335877}],"sentiment":"neutral","sentiment_score":0.1797789763423461,"num_words":79,"start":868.74,"end":905.98004},{"sentences":[{"text":"Slightly more in your growth, not by much, though.","start":906.28,"end":910.06,"sentiment":"neutral","sentiment_score":-0.08620559010240766},{"text":"Yep.","start":910.215,"end":910.715,"sentiment":"neutral","sentiment_score":0.10030978918075562},{"text":"Perfect.","start":911.895,"end":912.395,"sentiment":"positive","sentiment_score":0.5019498467445374},{"text":"Now what I have also done for you is on the page 20, I have included a bit of a retirement income calculator for you just to give you a bit of a just bit of an update on how things are potentially tracking as well.","start":913.49506,"end":928.88995,"sentiment":"neutral","sentiment_score":0.25531670775102533},{"text":"And aiming for that weekly income of around $1,500 per week when you turn 65.","start":929.11,"end":936.64996,"sentiment":"neutral","sentiment_score":0.29624913732210795}],"sentiment":"neutral","sentiment_score":0.222426596408089,"num_words":72,"start":906.28,"end":936.64996},{"sentences":[{"text":"So, basically, what's this one here so it also works in a little bit more conservative rate after 60 if you do wanna look at potentially reducing the risk a little bit.","start":936.78503,"end":948.78503,"sentiment":"neutral","sentiment_score":0.27588168950751424},{"text":"So before 60, we've used that the high growth return, but then after 60, just to have a little bit more conservative for you, we've just kind of used a a balanced portfolio just to kind of show you because often people do wanna slightly start reducing risk as they get older as well.","start":948.78503,"end":968.695,"sentiment":"neutral","sentiment_score":0.20521791382796234},{"text":"So just to show you, now what this looks like as well is the the green is then you drawing an income from superannuation from the age of 65, how that kind of lasts.","start":968.695,"end":981.45,"sentiment":"neutral","sentiment_score":0.16822140751516118},{"text":"And then from 79, where you can see the kind of the blue is then where you could potentially supplement a bit of age pension as well.","start":981.59,"end":991.45,"sentiment":"neutral","sentiment_score":0.1640243759309804},{"text":"So, obviously, as you draw income from your super, if you draw more, then, obviously, the returns are making for you, it's going to go down gradually, obviously, the older you get.","start":991.53503,"end":1000.515,"sentiment":"neutral","sentiment_score":0.22839613910764456}],"sentiment":"neutral","sentiment_score":0.2087533176985866,"num_words":179,"start":936.78503,"end":1000.515},{"sentences":[{"text":"But then you are potentially able to get a bit of a partial age pension from about 79 because you do have plenty of super before then as well to kind of help you get through.","start":1001.215,"end":1013.06,"sentiment":"neutral","sentiment_score":0.2536063455045223},{"text":"And that would still kind of get you through about 91, and then it it will be a potential age pension from there.","start":1013.76,"end":1022.615,"sentiment":"neutral","sentiment_score":0.09224498028988423},{"text":"So it's obviously a bit of a a rough guide there for you, but it does often show you, okay.","start":1022.615,"end":1028.615,"sentiment":"neutral","sentiment_score":0.08430111147463322},{"text":"Well, what we are doing, I'm I'm kind of on track to do what I want to do for retirement anyway.","start":1028.615,"end":1034.715,"sentiment":"neutral","sentiment_score":0.23875390915643602},{"text":"Yep.","start":1035.7799,"end":1036.2799,"sentiment":"neutral","sentiment_score":0.27846774458885193}],"sentiment":"neutral","sentiment_score":0.18049292129897834,"num_words":101,"start":1001.215,"end":1036.2799},{"sentences":[{"text":"Perfect.","start":1036.34,"end":1036.84,"sentiment":"positive","sentiment_score":0.5631821751594543},{"text":"That makes sense.","start":1037.22,"end":1041.0599,"sentiment":"positive","sentiment_score":0.3571708897749583},{"text":"Yep.","start":1041.0599,"end":1041.38,"sentiment":"neutral","sentiment_score":0.16607406735420227},{"text":"Yep.","start":1041.38,"end":1041.62,"sentiment":"neutral","sentiment_score":0.17549705505371094},{"text":"Yep.","start":1041.62,"end":1041.86,"sentiment":"neutral","sentiment_score":0.25928980112075806}],"sentiment":"neutral","sentiment_score":0.3193651097161429,"num_words":7,"start":1036.34,"end":1041.86},{"sentences":[{"text":"Perfect.","start":1041.86,"end":1042.36,"sentiment":"positive","sentiment_score":0.4640710949897766},{"text":"Now the last thing I do wanna touch on briefly, again, is just a remuneration.","start":1043.1399,"end":1047.72,"sentiment":"neutral","sentiment_score":0.15194712231556576},{"text":"Now there is no changes, like I mentioned, in the annual review through the fee structure.","start":1049.495,"end":1054.715,"sentiment":"neutral","sentiment_score":0.19772208388894796},{"text":"It stays exactly the same at 1.65.","start":1054.7749,"end":1058.1549,"sentiment":"neutral","sentiment_score":0.29369415981428965},{"text":"Now I have also, just for compliance purposes, included the the premium for your insurances.","start":1058.615,"end":1064.235,"sentiment":"neutral","sentiment_score":0.2185175786415736}],"sentiment":"neutral","sentiment_score":0.208156556856853,"num_words":54,"start":1041.86,"end":1064.235},{"sentences":[{"text":"So with insurances, we do get commissions.","start":1064.99,"end":1067.49,"sentiment":"neutral","sentiment_score":0.20661065408161708},{"text":"That is 22% of the premium ongoing.","start":1067.63,"end":1070.6901,"sentiment":"neutral","sentiment_score":0.22527114834104264},{"text":"But that is Zurich, your insurer paying us.","start":1071.2301,"end":1074.1901,"sentiment":"neutral","sentiment_score":-0.08838114701211452},{"text":"It is not you paying us at all.","start":1074.1901,"end":1076.29,"sentiment":"negative","sentiment_score":-0.4014958180487156},{"text":"It's the same for every single insurer out there, so it does not sway us in any way to, like, recommend one provider over the other.","start":1076.43,"end":1083.3451,"sentiment":"neutral","sentiment_score":-0.017191732660509072}],"sentiment":"neutral","sentiment_score":-0.02397907415537962,"num_words":56,"start":1064.99,"end":1083.3451},{"sentences":[{"text":"But for compliance purposes, we have to disclose it so that you are fully aware.","start":1083.645,"end":1087.665,"sentiment":"neutral","sentiment_score":0.01951837490002314},{"text":"Does that all make sense, or do you have any questions in regards to any of that?","start":1087.9651,"end":1091.3451,"sentiment":"neutral","sentiment_score":-0.005909459774985033},{"text":"No.","start":1091.72,"end":1092.22,"sentiment":"neutral","sentiment_score":-0.09177830070257188},{"text":"Beautiful.","start":1092.28,"end":1092.78,"sentiment":"positive","sentiment_score":0.46414077281951904},{"text":"So, essentially, from here, I see them scroll through.","start":1093.88,"end":1096.36,"sentiment":"neutral","sentiment_score":0.13891631530390847}],"sentiment":"neutral","sentiment_score":0.0422075376087843,"num_words":43,"start":1083.645,"end":1096.36},{"sentences":[{"text":"It just kind of recaps everything, how to implement the advice.","start":1096.36,"end":1099.3201,"sentiment":"neutral","sentiment_score":0.1704658337614753},{"text":"So, basically, from here is if you are happy to go ahead with the investment change, From here, it would be for you to sign the document.","start":1099.3201,"end":1108.825,"sentiment":"neutral","sentiment_score":0.13785597516430748},{"text":"You can do it all digitally.","start":1109.525,"end":1110.905,"sentiment":"neutral","sentiment_score":0.2551880131165187},{"text":"Just add a signature and a date.","start":1111.125,"end":1113.225,"sentiment":"neutral","sentiment_score":0.20389817655086517},{"text":"That will then send it back to me, and I will let the team know that you are happy to go ahead with the change.","start":1114.085,"end":1120.265,"sentiment":"positive","sentiment_score":0.4189207088947296}],"sentiment":"neutral","sentiment_score":0.25037721760178866,"num_words":76,"start":1096.36,"end":1120.265},{"sentences":[{"text":"But if you did wanna take some time and have a read over everything as well, you are more than welcome to do that.","start":1120.73,"end":1126.35,"sentiment":"positive","sentiment_score":0.3569283050795396},{"text":"Yep.","start":1131.05,"end":1131.53,"sentiment":"neutral","sentiment_score":0.2890208959579468},{"text":"Perfect.","start":1131.53,"end":1132.03,"sentiment":"positive","sentiment_score":0.4695518910884857},{"text":"It should automatically, when you press start or sign, take you to where to sign.","start":1137.9451,"end":1142.745,"sentiment":"neutral","sentiment_score":0.12195923030376435},{"text":"But, yes, page 26, it should have a signature box and a date.","start":1142.745,"end":1146.765,"sentiment":"neutral","sentiment_score":0.10305358584110554}],"sentiment":"neutral","sentiment_score":0.23136920702678185,"num_words":54,"start":1120.73,"end":1146.765},{"sentences":[{"text":"Now sometimes there is it won't let you get further if there's, like, a little text box.","start":1147.305,"end":1153.07,"sentiment":"neutral","sentiment_score":-0.1482664143995327},{"text":"Does do you have that error?","start":1153.07,"end":1154.61,"sentiment":"neutral","sentiment_score":-0.1533955285946528},{"text":"Or there's, like, a little text box?","start":1154.75,"end":1156.45,"sentiment":"neutral","sentiment_score":-0.11136840177433831},{"text":"Yep.","start":1160.205,"end":1160.705,"sentiment":"neutral","sentiment_score":-0.0023715372662991285},{"text":"Correct.","start":1162.445,"end":1162.945,"sentiment":"neutral","sentiment_score":0.20182961225509644}],"sentiment":"neutral","sentiment_score":-0.12565696730598575,"num_words":32,"start":1147.305,"end":1162.945},{"sentences":[{"text":"Yep.","start":1163.005,"end":1163.505,"sentiment":"neutral","sentiment_score":0.0667036846280098},{"text":"Yeah.","start":1164.205,"end":1164.705,"sentiment":"neutral","sentiment_score":0.07925625145435333},{"text":"It is there if you did wanted to make any changes.","start":1165.005,"end":1168.3049,"sentiment":"neutral","sentiment_score":0.11009847440502861},{"text":"It allows you to type to type anything.","start":1168.525,"end":1171.1849,"sentiment":"neutral","sentiment_score":0.04036172176711261},{"text":"But if not, yeah, just n a full stop.","start":1172.365,"end":1174.92,"sentiment":"neutral","sentiment_score":-0.0738648312787215}],"sentiment":"neutral","sentiment_score":0.03383844823886951,"num_words":30,"start":1163.005,"end":1174.92},{"sentences":[{"text":"That's fine, and then it will let you kind of submit everything after that.","start":1175.4,"end":1179.5801,"sentiment":"neutral","sentiment_score":0.2966396797980581},{"text":"And it should say, yep, it should say validate.","start":1185.7201,"end":1188.7151,"sentiment":"neutral","sentiment_score":0.19121661451127794},{"text":"Now this document as well, it will be saved into your DocuSign folder as well.","start":1189.5751,"end":1195.0951,"sentiment":"neutral","sentiment_score":0.2469988226890564},{"text":"So if you do wanna have access to emails later and have a look at it, it's all there.","start":1195.0951,"end":1200.0751,"sentiment":"neutral","sentiment_score":0.28041358292102814},{"text":"If you do have any issues at all, we always keep a copy on file as well.","start":1200.23,"end":1204.39,"sentiment":"neutral","sentiment_score":0.2770919151165906}],"sentiment":"neutral","sentiment_score":0.26509875703502345,"num_words":74,"start":1175.4,"end":1204.39},{"sentences":[{"text":"I'm more than welcome to email that to you if you do ever want any of that.","start":1204.39,"end":1208.01,"sentiment":"positive","sentiment_score":0.5458950119860032},{"text":"But I can see here, James, that that has come through on my end, which is fantastic.","start":1209.03,"end":1212.65,"sentiment":"positive","sentiment_score":0.7268016443533056},{"text":"So I will let the team know that we'll go ahead and make these investment changes for you.","start":1212.87,"end":1214.6053,"sentiment":"positive","sentiment_score":0.5980570365985235},{"text":"And do you have any other changes for you.","start":1214.6053,"end":1217.825,"sentiment":"positive","sentiment_score":0.3402122888300154},{"text":"And do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon?","start":1218.685,"end":1225.025,"sentiment":"neutral","sentiment_score":0.30902692159781087}],"sentiment":"positive","sentiment_score":0.49997103882247,"num_words":87,"start":1204.39,"end":1225.025},{"sentences":[{"text":"Mhmm.","start":1228.14,"end":1228.64,"sentiment":"neutral","sentiment_score":-0.011983342468738556},{"text":"Yep.","start":1236.9401,"end":1237.4401,"sentiment":"neutral","sentiment_score":0.02556447312235832},{"text":"Yes.","start":1239.98,"end":1240.48,"sentiment":"neutral","sentiment_score":0.04067238047719002},{"text":"The refund?","start":1243.4149,"end":1244.1549,"sentiment":"neutral","sentiment_score":0.02032083459198475},{"text":"Yes.","start":1244.215,"end":1244.715,"sentiment":"neutral","sentiment_score":0.012263462878763676}],"sentiment":"neutral","sentiment_score":0.017859773865590494,"num_words":6,"start":1228.14,"end":1244.715},{"sentences":[{"text":"Yes.","start":1249.815,"end":1250.315,"sentiment":"neutral","sentiment_score":0.01466388814151287},{"text":"Yes.","start":1250.615,"end":1251.115,"sentiment":"neutral","sentiment_score":0.013353814370930197},{"text":"Yeah.","start":1251.495,"end":1251.995,"sentiment":"neutral","sentiment_score":-0.024415459483861923},{"text":"Yep.","start":1258.63,"end":1259.13,"sentiment":"neutral","sentiment_score":-0.20479486882686615},{"text":"Yep.","start":1264.07,"end":1264.57,"sentiment":"neutral","sentiment_score":-0.17793837189674375}],"sentiment":"neutral","sentiment_score":-0.07582619953900575,"num_words":5,"start":1249.815,"end":1264.57},{"sentences":[{"text":"To go down.","start":1273.205,"end":1274.105,"sentiment":"neutral","sentiment_score":-0.1874424566825231},{"text":"Yeah.","start":1274.1649,"end":1274.6649,"sentiment":"neutral","sentiment_score":-0.08182699978351593},{"text":"Okay.","start":1277.22,"end":1277.72,"sentiment":"neutral","sentiment_score":-0.05813291296362877},{"text":"Done.","start":1279.62,"end":1280.12,"sentiment":"neutral","sentiment_score":0.2781890034675598},{"text":"Yeah.","start":1280.34,"end":1280.84,"sentiment":"neutral","sentiment_score":0.2172971069812775}],"sentiment":"neutral","sentiment_score":-0.029543024620839523,"num_words":7,"start":1273.205,"end":1280.84},{"sentences":[{"text":"Yep.","start":1282.42,"end":1282.92,"sentiment":"neutral","sentiment_score":0.23545941710472107},{"text":"Yep.","start":1287.86,"end":1288.36,"sentiment":"neutral","sentiment_score":0.15630945563316345},{"text":"With this.","start":1290.195,"end":1291.015,"sentiment":"neutral","sentiment_score":0.07070467621088028},{"text":"Yes.","start":1294.035,"end":1294.515,"sentiment":"neutral","sentiment_score":0.27328118681907654},{"text":"And I would agree with that very much, especially with everything that's changing with the rules after the budget and everything as well.","start":1294.515,"end":1301.335,"sentiment":"positive","sentiment_score":0.36700369741605676}],"sentiment":"neutral","sentiment_score":0.3302694447338581,"num_words":28,"start":1282.42,"end":1301.335},{"sentences":[{"text":"And kind of like we touched on last time, a a self assessment can be great for a lot of people.","start":1302.74,"end":1307.5599,"sentiment":"positive","sentiment_score":0.34826197510673884},{"text":"Most of the time, it is for property purchases that people do it as well or or businesses and stuff like that.","start":1309.0599,"end":1315.3999,"sentiment":"neutral","sentiment_score":0.0840946664525704},{"text":"But it does come with a lot more legislation, a lot more responsibility on yourself.","start":1315.5851,"end":1322.405,"sentiment":"neutral","sentiment_score":-0.005862745891014735},{"text":"And often when we do look at it as well, yes, property prices have kind of gone through the the roof lately as well, but it does put kind of everything into the one basket as well unless you are looking at kind of changing things.","start":1324.545,"end":1338.27,"sentiment":"neutral","sentiment_score":-0.10263797908049563},{"text":"And, yeah, and from, like, a liquidity point of view, so if you needed to access your money quickly, but for some reason, like, if if you were to have an accident or you can't work and you get tapered data or something like that, it's it's quite easy for us to sell some of your investment.","start":1338.65,"end":1353.655,"sentiment":"neutral","sentiment_score":-0.015518584566419585}],"sentiment":"neutral","sentiment_score":0.021551158961764773,"num_words":161,"start":1302.74,"end":1353.655},{"sentences":[{"text":"Now some takes a little bit longer, but some, very quickly, you could get access to that money.","start":1354.0349,"end":1358.97,"sentiment":"neutral","sentiment_score":0.06118135174943341},{"text":"Obviously, with the property, everything is looked into the property and obviously going through that whole kind of settlement and stuff like that.","start":1359.21,"end":1365.2899,"sentiment":"neutral","sentiment_score":-0.04775785087891247},{"text":"So it does make it a little bit trickier from that side of it, and everything is then into one single market.","start":1365.2899,"end":1372.33,"sentiment":"neutral","sentiment_score":-0.19187712669372559},{"text":"So if it is that there is a bit of a property crash or anything like that, everything is into the one bucket, which is not as kind of diverse diversified as, obviously, the investments we just kind of went through especially with everything that is going on around the globe and everything.","start":1372.33,"end":1389.97,"sentiment":"neutral","sentiment_score":-0.12557107396423817},{"text":"So I think yeah.","start":1389.97,"end":1392.7899,"sentiment":"neutral","sentiment_score":-0.016695614671334624}],"sentiment":"neutral","sentiment_score":-0.09117093670647591,"num_words":120,"start":1354.0349,"end":1392.7899},{"sentences":[{"text":"But, look, there's always something if you ever want to revisit it or if at any point you go, no.","start":1393.49,"end":1398.21,"sentiment":"neutral","sentiment_score":-0.016551066329702734},{"text":"No.","start":1398.21,"end":1398.37,"sentiment":"neutral","sentiment_score":-0.11517833173274994},{"text":"I really do want to look at it.","start":1398.37,"end":1400.085,"sentiment":"neutral","sentiment_score":-0.053335249889642},{"text":"We can always reassess that we can reassess in a couple of months or six months or next under review to be like, okay.","start":1400.245,"end":1406.005,"sentiment":"neutral","sentiment_score":0.002071383176371455},{"text":"Where where are the rules?","start":1406.005,"end":1407.445,"sentiment":"neutral","sentiment_score":-0.07781057953834533}],"sentiment":"neutral","sentiment_score":-0.020900368256944007,"num_words":58,"start":1393.49,"end":1407.445},{"sentences":[{"text":"What's changing?","start":1407.445,"end":1408.265,"sentiment":"neutral","sentiment_score":-0.05992430821061134},{"text":"How's your life?","start":1408.325,"end":1409.365,"sentiment":"neutral","sentiment_score":-0.018099965527653694},{"text":"Where are you super at?","start":1409.365,"end":1410.6649,"sentiment":"neutral","sentiment_score":0.0012611210346221923},{"text":"And we can always always look at it.","start":1410.8049,"end":1412.565,"sentiment":"neutral","sentiment_score":0.07180001540109515},{"text":"It doesn't have to be an under review time as well.","start":1412.565,"end":1414.325,"sentiment":"neutral","sentiment_score":0.04706302403726361}],"sentiment":"neutral","sentiment_score":0.031870706199572,"num_words":29,"start":1407.445,"end":1414.325},{"sentences":[{"text":"It can be any time during the year as well if you do ever wanna look at it.","start":1414.325,"end":1418.14,"sentiment":"neutral","sentiment_score":0.05757396326710781},{"text":"But I think from what we've kind of spoken about, I think what you were doing now, I would suggest we'll put you in a better position than looking at the the sales manager super fund from what you you're telling me with your goals and everything like that.","start":1418.14,"end":1430.175,"sentiment":"neutral","sentiment_score":0.05306315289012024},{"text":"Yep.","start":1431.535,"end":1432.035,"sentiment":"positive","sentiment_score":0.339679479598999},{"text":"No.","start":1432.7351,"end":1432.9751,"sentiment":"neutral","sentiment_score":0.145278662443161},{"text":"But it is a good question, though, and it is definitely a popular topic for a lot of people.","start":1432.9751,"end":1438.035,"sentiment":"neutral","sentiment_score":0.2791292561512244}],"sentiment":"neutral","sentiment_score":0.10710045271976427,"num_words":88,"start":1414.325,"end":1438.035},{"sentences":[{"text":"But, yes, if you do have any further questions in regards to it or if you did wanted to talk more about it at any point in time, just give me a call or send me an email, and we can always book you booked in for another catch up as well to talk more about it.","start":1439.2151,"end":1451.9099,"sentiment":"neutral","sentiment_score":0.1338013380504491},{"text":"Yep.","start":1451.9099,"end":1452.4099,"sentiment":"positive","sentiment_score":0.3679680824279785},{"text":"Beautiful.","start":1452.7899,"end":1453.2899,"sentiment":"positive","sentiment_score":0.6517060995101929},{"text":"Well, no.","start":1455.0299,"end":1455.75,"sentiment":"neutral","sentiment_score":0.3322722874581814},{"text":"No problem.","start":1455.75,"end":1456.39,"sentiment":"neutral","sentiment_score":0.1346607655286789}],"sentiment":"neutral","sentiment_score":0.1520669294728173,"num_words":63,"start":1439.2151,"end":1456.39},{"sentences":[{"text":"I will let you go.","start":1456.39,"end":1457.35,"sentiment":"neutral","sentiment_score":0.10950111821293831},{"text":"And are you watching the State of Origin tonight, or you're not really a a too much of a fan?","start":1457.35,"end":1462.5549,"sentiment":"neutral","sentiment_score":-0.08090307200327515},{"text":"Oh, lovely.","start":1466.2949,"end":1467.115,"sentiment":"positive","sentiment_score":0.5818575918674469},{"text":"Oh, wonderful.","start":1467.335,"end":1467.975,"sentiment":"positive","sentiment_score":0.6639653742313385},{"text":"Well, I will let you go and enjoy your theater.","start":1467.975,"end":1470.135,"sentiment":"positive","sentiment_score":0.5940163254737854}],"sentiment":"neutral","sentiment_score":0.188750085588067,"num_words":39,"start":1456.39,"end":1470.135},{"sentences":[{"text":"If you need anything else, James, just let me know.","start":1470.135,"end":1472.475,"sentiment":"neutral","sentiment_score":0.2227534346282482},{"text":"No problem at all.","start":1474.5929,"end":1475.553,"sentiment":"neutral","sentiment_score":0.33288730680942535},{"text":"We'll speak soon.","start":1475.553,"end":1476.6129,"sentiment":"neutral","sentiment_score":0.20961430172125498},{"text":"Okay.","start":1477.073,"end":1477.313,"sentiment":"neutral","sentiment_score":0.24052907526493073},{"text":"You too.","start":1477.313,"end":1478.1329,"sentiment":"neutral","sentiment_score":0.25544869899749756}],"sentiment":"neutral","sentiment_score":0.24696764759719372,"num_words":20,"start":1470.135,"end":1478.1329},{"sentences":[{"text":"Bye.","start":1478.193,"end":1478.693,"sentiment":"neutral","sentiment_score":0.1703919619321823}],"sentiment":"neutral","sentiment_score":0.1703919619321823,"num_words":1,"start":1478.193,"end":1478.693}]}}]},{"alternatives":[{"transcript":"Hi. I'm good. Thanks. And you? Yes. All fine. Yeah. It's a really short walk, so that was easy. Yeah. Very convenient. Yes. That's okay. Yeah. Yep. Just logging in now. I can see you have sent me a couple of things. Yes. Yes. Yep. Got that. Yep. Yes. Mhmm. Yep. Yeah. Okay. Got it. Yep. Yes. Yep. Alright. Yes. Yep. Yep. Yep. Cool. Mhmm. Mhmm. Not specifically. No. Yeah. Yep. Mhmm. Yeah. Mhmm. Of course. Yep. That's fine. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Yep. It looks bigger. Yep. Yep. Sure. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. Mhmm. Mhmm. Yep. Yep. Sure. Right. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yeah. Yep. Okay. Yep. Yeah. Yep. Yeah. Yep. Yep. Mhmm. Mhmm. Of course. Yep. Yep. Yep. Yep. Yep. That I yep. K. Yep. Okay. Okay. Mhmm. Yeah. Yeah. Yeah. So that yeah. Yeah. Yep. Mhmm. Mhmm. Yes. I think so. Yeah. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Or or adding to it. Yeah. Got it. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yes. I say that. Yeah. Yes. Yeah. Yep. Yeah. Yep. Mhmm. Okay. Yep. Right. Dropout. Yeah. Mhmm. Yeah. Yes. Yeah. Got it. Mhmm. Yes. Yeah. Europe. Yep. Yep. Mhmm. Yes. I see. Yep. Yep. Yep. Yep. Yes. Correct. Right. Yep. K. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. Yep. Yep. Right. I see. Yep. Yep. Mhmm. Yes. Correct. Mhmm. Right. Okay. Right. Okay. Yeah. Yeah. Yeah. Got it. Yep. Yes. Yeah. Yeah. Yeah. Yep. Yep. Yep. I see. Yeah. Yeah. Yep. Yep. No. No. No. That's that's that's fine. Yep. Mhmm. Yep. Yep. Sure. Yep. And that that all seems to seems to make sense. Yeah. So signing what? Page 26. Is that right? Yep. There is a big text box. Yes. So what do I do? Like type NA or something like that? It's a very large text box. Oh, I see. Yeah. Yes. Yeah. Yep. Okay. I think that is the reading. Hello, that I can send. Sure. Yep. Yep. Yep. Correct. Yeah. Look, I I mean, the the only other thing that I sort of I was wanting to run by, which is sort of touched on at the beginning of that document, Since we had that initial review, I've then had a bit more of a follow-up with Accru Real Estate, who are the people that my other property is is through, and we went into a bit more detail with the self managed super fund and, you know, looked at property, and I had basically said I was waiting on tonight's meeting with you to to decide whether to go ahead. I I I still think I am erring towards not doing anything, and certainly what you've presented would seem to reinforce that. I think, you know, the amount of time and and the risk at this stage is probably not something I'm wanting to, you know, look into, I suppose. So it was basically just to reinforce that advice that I that I should should stay, you know, with hub twenty four, keep all the money there rather than looking into buying another a second property or actually a third property, you know, with with that. So I just wanted to check I suppose double double check that with you. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. I see. Yeah. Yeah. Yeah. That makes sense. Of course. I see. Yep. Yep. Yep. I see. Yes. Okay. I see. Yep. Yeah. Yep. No. I understand that. Yeah. No. And and I think that's sort of yeah. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. Okay. Yeah. Yeah. Great. Okay. That's really good to know. Fantastic. Yeah. Yeah. Yep. Great. Fantastic. Alright. Excellent. Thank you. That's all good news. Thank you very much. I I'm not I'm off to the off after the not really a fan. I'm off to the theater tonight down here. So yeah. Yeah. Thank you. Thanks. Really appreciate it, Veronica. Thank you. Take care. Thanks. Bye. 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I'm good. Thanks. And you? Yes.\n\nAll fine. Yeah. It's a really short walk, so that was easy. Yeah. Very convenient.\n\nYes. That's okay. Yeah. Yep. Just logging in now.\n\nI can see you have sent me a couple of things. Yes. Yes. Yep. Got that.\n\nYep. Yes. Mhmm. Yep. Yeah.\n\nOkay. Got it. Yep. Yes. Yep.\n\nAlright. Yes. Yep. Yep. Yep.\n\nCool. Mhmm. Mhmm. Not specifically. No.\n\nYeah. Yep. Mhmm. Yeah. Mhmm.\n\nOf course. Yep. That's fine. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. It looks bigger. Yep. Yep.\n\nSure. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yeah. Mhmm.\n\nMhmm. Yep. Yep. Sure. Right.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Mhmm. Yeah. Yep.\n\nOkay. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. Mhmm. Mhmm. Of course.\n\nYep. Yep. Yep. Yep. Yep.\n\nThat I yep. K. Yep. Okay. Okay.\n\nMhmm. Yeah. Yeah. Yeah. So that yeah.\n\nYeah. Yep. Mhmm. Mhmm. Yes.\n\nI think so. Yeah. Yep. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Yep. Or or adding to it.\n\nYeah. Got it. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. Yes. I say that.\n\nYeah. Yes. Yeah. Yep. Yeah.\n\nYep. Mhmm. Okay. Yep. Right.\n\nDropout. Yeah. Mhmm. Yeah. Yes.\n\nYeah. Got it. Mhmm. Yes. Yeah.\n\nEurope. Yep. Yep. Mhmm. Yes.\n\nI see. Yep. Yep. Yep. Yep.\n\nYes. Correct. Right. Yep. K.\n\nYep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nMhmm. Yep. Yep. Right. I see.\n\nYep. Yep. Mhmm. Yes. Correct.\n\nMhmm. Right. Okay. Right. Okay.\n\nYeah. Yeah. Yeah. Got it. Yep.\n\nYes. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. I see. Yeah. Yeah.\n\nYep. Yep. No. No. No.\n\nThat's that's that's fine. Yep. Mhmm. Yep. Yep.\n\nSure. Yep. And that that all seems to seems to make sense. Yeah. So signing what?\n\nPage 26. Is that right? Yep. There is a big text box. Yes.\n\nSo what do I do? Like type NA or something like that? It's a very large text box. Oh, I see. Yeah.\n\nYes. Yeah. Yep. Okay. I think that is the reading.\n\nHello, that I can send. Sure. Yep. Yep. Yep.\n\nCorrect. Yeah. Look, I I mean, the the only other thing that I sort of I was wanting to run by, which is sort of touched on at the beginning of that document, Since we had that initial review, I've then had a bit more of a follow-up with Accru Real Estate, who are the people that my other property is is through, and we went into a bit more detail with the self managed super fund and, you know, looked at property, and I had basically said I was waiting on tonight's meeting with you to to decide whether to go ahead. I I I still think I am erring towards not doing anything, and certainly what you've presented would seem to reinforce that. I think, you know, the amount of time and and the risk at this stage is probably not something I'm wanting to, you know, look into, I suppose.\n\nSo it was basically just to reinforce that advice that I that I should should stay, you know, with hub twenty four, keep all the money there rather than looking into buying another a second property or actually a third property, you know, with with that. So I just wanted to check I suppose double double check that with you. Yeah. Yeah. Yes.\n\nYeah. Yeah. Yeah. Yeah. I see.\n\nYeah. Yeah. Yeah. That makes sense. Of course.\n\nI see. Yep. Yep. Yep. I see.\n\nYes. Okay. I see. Yep. Yeah.\n\nYep. No. I understand that. Yeah. No.\n\nAnd and I think that's sort of yeah. Yeah. Yeah. Yep. Yep.\n\nYeah. Yep. Yep. Okay. Yeah.\n\nYeah. Great. Okay. That's really good to know. Fantastic.\n\nYeah. Yeah. Yep. Great. Fantastic.\n\nAlright. Excellent. Thank you. That's all good news. Thank you very much.\n\nI I'm not I'm off to the off after the not really a fan. I'm off to the theater tonight down here. So yeah. Yeah. Thank you.\n\nThanks. Really appreciate it, Veronica. Thank you. Take care. Thanks.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.52,"end":3.84,"sentiment":"neutral","sentiment_score":0.2832919657230377},{"text":"I'm good.","start":3.84,"end":4.3199997,"sentiment":"positive","sentiment_score":0.5026828944683075},{"text":"Thanks.","start":4.3199997,"end":4.56,"sentiment":"positive","sentiment_score":0.6281294822692871},{"text":"And you?","start":4.56,"end":5.22,"sentiment":"neutral","sentiment_score":0.3071442097425461},{"text":"Yes.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":0.2153435051441193}],"sentiment":"positive","sentiment_score":0.3923455945083073,"num_words":7,"start":3.52,"end":8.16},{"sentences":[{"text":"All fine.","start":8.16,"end":8.559999,"sentiment":"neutral","sentiment_score":0.31806302070617676},{"text":"Yeah.","start":8.559999,"end":8.72,"sentiment":"neutral","sentiment_score":0.2733590006828308},{"text":"It's a really short walk, so that was 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know.","start":1431.36,"end":1432.48,"sentiment":"positive","sentiment_score":0.5225333213806153},{"text":"Fantastic.","start":1432.48,"end":1432.98,"sentiment":"positive","sentiment_score":0.5264253616333008}],"sentiment":"positive","sentiment_score":0.4277055131064521,"num_words":9,"start":1430.32,"end":1432.98},{"sentences":[{"text":"Yeah.","start":1437.6799,"end":1438.0,"sentiment":"neutral","sentiment_score":0.1258416771888733},{"text":"Yeah.","start":1438.0,"end":1438.5,"sentiment":"neutral","sentiment_score":0.11581195145845412},{"text":"Yep.","start":1447.675,"end":1448.175,"sentiment":"neutral","sentiment_score":0.10138072818517684},{"text":"Great.","start":1450.955,"end":1451.355,"sentiment":"positive","sentiment_score":0.41772186756134033},{"text":"Fantastic.","start":1451.355,"end":1451.855,"sentiment":"positive","sentiment_score":0.7160987854003906}],"sentiment":"neutral","sentiment_score":0.295371001958847,"num_words":5,"start":1437.6799,"end":1451.855},{"sentences":[{"text":"Alright.","start":1452.8601,"end":1453.26,"sentiment":"positive","sentiment_score":0.5388984084129333},{"text":"Excellent.","start":1453.26,"end":1453.66,"sentiment":"positive","sentiment_score":0.7340667247772217},{"text":"Thank you.","start":1453.66,"end":1453.9801,"sentiment":"positive","sentiment_score":0.7486732602119446},{"text":"That's all good news.","start":1453.9801,"end":1454.7001,"sentiment":"positive","sentiment_score":0.6892236024141312},{"text":"Thank you very much.","start":1454.7001,"end":1455.6001,"sentiment":"positive","sentiment_score":0.6632629632949829}],"sentiment":"positive","sentiment_score":0.6816881597042084,"num_words":12,"start":1452.8601,"end":1455.6001},{"sentences":[{"text":"I I'm not I'm off to the off after the not really a fan.","start":1460.8601,"end":1464.4601,"sentiment":"neutral","sentiment_score":-0.1869663197015013},{"text":"I'm off to the theater tonight down here.","start":1464.4601,"end":1466.38,"sentiment":"neutral","sentiment_score":0.09800596442073584},{"text":"So yeah.","start":1466.38,"end":1468.095,"sentiment":"positive","sentiment_score":0.5766561180353165},{"text":"Yeah.","start":1468.095,"end":1468.595,"sentiment":"positive","sentiment_score":0.4259508550167084},{"text":"Thank you.","start":1470.975,"end":1471.795,"sentiment":"neutral","sentiment_score":0.3111945390701294}],"sentiment":"neutral","sentiment_score":0.013635978102684021,"num_words":27,"start":1460.8601,"end":1471.795},{"sentences":[{"text":"Thanks.","start":1472.735,"end":1473.135,"sentiment":"positive","sentiment_score":0.6179949045181274},{"text":"Really appreciate it, Veronica.","start":1473.135,"end":1474.175,"sentiment":"positive","sentiment_score":0.7703193575143814},{"text":"Thank you.","start":1474.175,"end":1474.915,"sentiment":"positive","sentiment_score":0.6979697048664093},{"text":"Take care.","start":1475.855,"end":1476.675,"sentiment":"neutral","sentiment_score":0.22083184123039246},{"text":"Thanks.","start":1476.895,"end":1477.295,"sentiment":"positive","sentiment_score":0.5314345359802246}],"sentiment":"positive","sentiment_score":0.6068309962749481,"num_words":10,"start":1472.735,"end":1477.295},{"sentences":[{"text":"Bye.","start":1477.295,"end":1477.795,"sentiment":"neutral","sentiment_score":0.28232988715171814},{"text":"Bye.","start":1479.215,"end":1479.715,"sentiment":"neutral","sentiment_score":-0.1288705617189407}],"sentiment":"neutral","sentiment_score":0.07672966271638872,"num_words":2,"start":1477.295,"end":1479.715}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, James. It's Veronica. How are you?\n\nChannel 1: Hi. I'm good. Thanks. And you?\n\nChannel 0: Yeah. Good. You made it home okay?\n\nChannel 1: Yes. All fine. Yeah. It's a really\n\nChannel 0: Yes.\n\nChannel 1: short walk, so that was easy.\n\nChannel 0: That's really nice and convenient.\n\nChannel 1: Yeah. Very convenient. Yes.\n\nChannel 0: Now I won't take up too much of your time today. It\n\nChannel 1: That's\n\nChannel 0: is\n\nChannel 1: okay.\n\nChannel 0: pretty straightforward.\n\nChannel 1: Yeah.\n\nChannel 0: But do you have access to your emails at the moment, James?\n\nChannel 1: Yep. Just logging in now. I can see you\n\nChannel 0: Yes.\n\nChannel 1: have sent me a couple of things.\n\nChannel 0: Yes. So when you go in, it should be the same as for the interview where you do have a couple of attachments\n\nChannel 1: Yes.\n\nChannel 0: first\n\nChannel 1: Yes.\n\nChannel 0: before\n\nChannel 1: Yep.\n\nChannel 0: it\n\nChannel 1: Got\n\nChannel 0: gets\n\nChannel 1: that.\n\nChannel 0: you. Yep. Perfect. So that is basically just a research material. So you will have an\n\nChannel 1: Yep.\n\nChannel 0: appendix, which is where, like, the research investment links and stuff like that go. If you do\n\nChannel 1: Yes.\n\nChannel 0: wanna have a have a bit of a read over that in your own time, And then just the accompany product\n\nChannel 1: Mhmm.\n\nChannel 0: disclosure statement, just for your hub twenty four accounts. Again, just for research and for your reference. But, otherwise,\n\nChannel 1: Yep.\n\nChannel 0: if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything just so that you can have a bit of a read over with me.\n\nChannel 1: Yeah. Okay. Got it. Yep.\n\nChannel 0: Yep. Perfect. So you can see the cover page there where it says prepared for yourself.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Beautiful. Now on the cover page, you will also see my details listed underneath that. So you\n\nChannel 1: Alright.\n\nChannel 0: will see\n\nChannel 1: Yes.\n\nChannel 0: my\n\nChannel 1: Yep.\n\nChannel 0: authorized, yep, number listed. So, basically, a lot of it today is compliant. You'll see it's about 28 pages. I won't go through all of that with you\n\nChannel 1: Yep.\n\nChannel 0: because it is pretty straightforward. But the purpose as well is to make sure that you are fully across and understand everything. So every time we do make a recommendation on a financial product and give you personalized advice, we have to put everything in this statement of advice\n\nChannel 1: Yep.\n\nChannel 0: just to ensure that, you know, you understand everything, essentially. Yep. Perfect. Now on the second page there, you should see the best interest duty. Can\n\nChannel 1: Cool.\n\nChannel 0: you see that?\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Yep. Beautiful. Have you heard the of this before?\n\nChannel 1: Not specifically. No.\n\nChannel 0: No. Essentially, basically, what it means is that we have to act in your best interest at\n\nChannel 1: Yeah.\n\nChannel 0: all time, and the advice has to put you in a better position as a result\n\nChannel 1: Yep.\n\nChannel 0: of the advice. Otherwise, I can't actually\n\nChannel 1: Mhmm.\n\nChannel 0: make the recommendation.\n\nChannel 1: Yeah.\n\nChannel 0: And if I don't act in your best interest, I will lose my license. And if I lose my license,\n\nChannel 1: Mhmm.\n\nChannel 0: I will lose my job, and my husband at home will be too happy with me. So, essentially, there's a lot in place just to protect you. So\n\nChannel 1: Of\n\nChannel 0: that's\n\nChannel 1: course.\n\nChannel 0: basically what it\n\nChannel 1: Yep.\n\nChannel 0: talks about. Yep. Now I'll try to make it pretty quick for you. If you can\n\nChannel 1: That's\n\nChannel 0: scroll\n\nChannel 1: fine.\n\nChannel 0: down through page three where it says scope of advice.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Now, basically, what scope of advice for faster is the areas we are looking at in today's statement of\n\nChannel 1: Mhmm.\n\nChannel 0: the device. So it doesn't mean there's no other things we can't look at down to track. But today, simply, the goal is to focus on your superannuation, to see\n\nChannel 1: Mhmm.\n\nChannel 0: if we wanted to make any changes in regards to your investment, especially with what's going on in the world to make sure we do have you in the best position possible for retirement. Not making any changes in regards to insurances or anything like that. Just literally your safe relations today. That all makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now so, basically, if you can if if you keep scrolling through, you will see a couple\n\nChannel 1: Mhmm.\n\nChannel 0: of pages about you, page seven and page eight. Just from this box find, just just some information about you, your assets as well. Just have a quick read over that for me just to make sure that's all kind of up to date or if I need to make any changes in the back end for you.\n\nChannel 1: Yep. Yep. Yep. It looks bigger.\n\nChannel 0: Yep. Perfect. Now, otherwise, if you can scroll to page 10 for me, it talks a little bit about your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So last time during the under review, we obviously went through kind of risk fluctuations and everything like that.\n\nChannel 1: Yep.\n\nChannel 0: And you were quite comfortable to kind of stay in a high growth portfolio. Your focus is\n\nChannel 1: Sure.\n\nChannel 0: to try and grow your super as much as as possible, still have plenty\n\nChannel 1: Mhmm.\n\nChannel 0: of time until retirement. So we're not making any changes in regards to your risk profile. It is literally just\n\nChannel 1: Yep.\n\nChannel 0: looking at altering some of your investments.\n\nChannel 1: Mhmm.\n\nChannel 0: And that just gives you a little bit of information regards to that high growth profile again, aiming for around that 90 to 95 growth assets to 10 to five defensive.\n\nChannel 1: Yep.\n\nChannel 0: Now if you can now scroll to page 12 for me, this kind of outlines the recommendation. So like I said, I have recommended that you retain hub twenty four and just make\n\nChannel 1: Mhmm.\n\nChannel 0: a couple\n\nChannel 1: Mhmm.\n\nChannel 0: of changes to your investments. So part of the research, I did also consider other super funds for you just\n\nChannel 1: Yep.\n\nChannel 0: to make sure hub twenty four is still going to be the the best option for you\n\nChannel 1: Yep.\n\nChannel 0: because there's always new products and features that comes out. So it is good to kind of reassess because there's nothing\n\nChannel 1: Mhmm.\n\nChannel 0: tying us to have twenty four. So if there are better options out there for you, would you like to do reset continuously just to make sure? But for the time\n\nChannel 1: Yep.\n\nChannel 0: being, Hub twenty four is still really competitive. It's very\n\nChannel 1: Yep.\n\nChannel 0: competitive when it comes to price, features, investment choices, and I do use Hub\n\nChannel 1: Mhmm.\n\nChannel 0: 24 for my personal super as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Mhmm.\n\nChannel 0: I recommended you stay in Hub twenty four.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, basically, what this talks about it also talks a little bit about that best interest duty, which is how the recommendation has put you in a better position. I will let you kind of have a read over that in your in your own time as well. And what I usually like to focus on is\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: page comparison table, and I often\n\nChannel 1: Right.\n\nChannel 0: find that it's easier for people to see it this way of how it actually looks from, like, a numbers point of view. So just let me know if you can see that fee comparison table.\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: Yep. Yep. Now what you did scroll through as well is kind of what I'll go through and discuss with you on on this page, But it does\n\nChannel 1: Mhmm.\n\nChannel 0: outline the advantages when it comes to the recommendation, some disadvantages to be mindful of, but then also some risk because there's always a level of risk associated with any investment option.\n\nChannel 1: Yep.\n\nChannel 0: So it is good to obviously be mindful of that. But, essentially, like I said, what I have recommended is staying in hub twenty four and changing your\n\nChannel 1: Yep.\n\nChannel 0: investment. Now what that\n\nChannel 1: Yep.\n\nChannel 0: actually looks like is you can see here that by making the changes to just your investments alone,\n\nChannel 1: Mhmm.\n\nChannel 0: so not contributions, not advice fees, or insurance premium, it will save you roughly $973\n\nChannel 1: Yeah.\n\nChannel 0: a year in investment fees alone, which is pretty good,\n\nChannel 1: Yep. Okay.\n\nChannel 0: which does make a pretty big difference. Now you can also then see the rolling average, so the five year rolling average on the return on your investment.\n\nChannel 1: Yep.\n\nChannel 0: So we do like to use a five year rolling average because, yes, you never know what's going to happen in the world and the market, and you can never,\n\nChannel 1: Yeah.\n\nChannel 0: guarantee anything about using five years historical as well. It gives us a bit more certainty of what's happened in the market and the portfolio\n\nChannel 1: Yep.\n\nChannel 0: to give you a little bit more certainty. Does that make sense?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. Perfect. So you can see here that your current portfolio has performed at about 10.62, and\n\nChannel 1: Mhmm.\n\nChannel 0: the recommended is about 12.02. So,\n\nChannel 1: Mhmm.\n\nChannel 0: again, has performed a little bit better, and it's also cheaper, which obviously compounds for you. So if\n\nChannel 1: Of course.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: scroll down through page 16, it then shows\n\nChannel 1: Yep.\n\nChannel 0: you kind of projected five and ten\n\nChannel 1: Yep.\n\nChannel 0: years to then show you that impact. Yeah. Now underneath that as well, you can also see I've included a little bit more about the returns as well so that you can see it. So I've done a twelve twelve returns as well so that you can see it. So I've done\n\nChannel 1: Yep.\n\nChannel 0: a twelve twelve\n\nChannel 1: Yep.\n\nChannel 0: months, three years, five years, and ten years. And you can see that even though your current one has performed pretty good, the the recommended has performed a little bit better across all\n\nChannel 1: That\n\nChannel 0: time\n\nChannel 1: I\n\nChannel 0: frame.\n\nChannel 1: yep.\n\nChannel 0: Yeah. Which is good. Now the good thing\n\nChannel 1: K.\n\nChannel 0: as well with the investment changes is that often when we do make investment changes, there will be capital gains tax when you are selling investment. So with the the calculations and everything on how we have changed the investments, there's actually\n\nChannel 1: Yep.\n\nChannel 0: estimated to be no capital gains tax for you, which is great.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So, obviously, it tends to change a little bit and does change on a daily. But when we did the calculations, there there's not going to be any estimated tax, which is great. So for example, if we were to move you to another CISA fund, it would have been around $1,461\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: tax\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: that\n\nChannel 0: would come out.\n\nChannel 1: yeah.\n\nChannel 0: Yes. Exactly. Which kind of outlines the alternative, which you probably scroll through, which would be, yeah, considering different super funds, different portfolios, and stuff like\n\nChannel 1: Yeah.\n\nChannel 0: that. But this kind\n\nChannel 1: Yep.\n\nChannel 0: of puts you in the best position,\n\nChannel 1: Mhmm.\n\nChannel 0: considering minimizing tax for you, reducing fees, and wanting to make sure we improve the returns as much as possible. Does that all make sense?\n\nChannel 1: Mhmm. Yes. I think so. Yeah.\n\nChannel 0: Yep. Yep. Perfect. Now what that actually looks like in terms of the investment changes is then outlined on the following page, the page 17.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what you see here is you can see all the investment names. You can see the current weighting, so how much you have in each investment,\n\nChannel 1: Mhmm.\n\nChannel 0: what\n\nChannel 1: Mhmm.\n\nChannel 0: that looks like in terms of the the dollar figure, and then you have a buy and sell column. So everything\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: in red is what we are selling. Everything in black is what we are either keeping in your portfolio or\n\nChannel 1: Yep.\n\nChannel 0: adding\n\nChannel 1: Yep.\n\nChannel 0: to your\n\nChannel 1: Or\n\nChannel 0: portfolio.\n\nChannel 1: or adding to it. Yeah. Got it. Yep.\n\nChannel 0: Correct. So you can see that the one investment we are keeping in your portfolio is your iShares S and P 500. That one has done really well. It's very diversified because it does invest in the 500 largest companies\n\nChannel 1: Mhmm.\n\nChannel 0: listed in The US. So all the big companies very diversified for you. So we are keeping that one in your portfolio\n\nChannel 1: Yep.\n\nChannel 0: as a as a bit of a defensive alternative asset to your\n\nChannel 1: Mhmm.\n\nChannel 0: gold. Still keeping the gold in your portfolio, just reducing that asset allocation down to about 7% from 10 because we don't wanna have too much overexposure into your defensive as well. But\n\nChannel 1: Yep.\n\nChannel 0: Gold has done really well, and we do definitely wanna keep that in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, when it comes to what we have added to your portfolio and what we have changed, it kind of spills over through the next page.\n\nChannel 1: Yes. I\n\nChannel 0: But\n\nChannel 1: say that.\n\nChannel 0: for,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, but for example, that Benelung investment, which I'm not sure you remember, is the one I kind of touched on last time that\n\nChannel 1: Yes.\n\nChannel 0: I really wanted\n\nChannel 1: Yeah.\n\nChannel 0: to look at changing. Yeah. So the\n\nChannel 1: Yep.\n\nChannel 0: one we have kind of swapped that one for is the one at 25%, where it says the beta shares Australia\n\nChannel 1: Yeah.\n\nChannel 0: 200. Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: if we are obviously changing one Australian investment, we do wanna sure we still have some exposure to the Australian market. We don't want everything\n\nChannel 1: Mhmm.\n\nChannel 0: just overseas or in one section. But the BetaShares Australia 200, it does invest in the 200 largest companies listed on the ASX. So\n\nChannel 1: Okay.\n\nChannel 0: companies\n\nChannel 1: Yep.\n\nChannel 0: like, BHP, and Woolworths. And how this one works a little bit differently is that it tracks the 200 largest. As the company grows and gets bigger, it gets added to the top 200 and something else gets smaller and goes out.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: Dropout.\n\nChannel 0: because of\n\nChannel 1: Yeah.\n\nChannel 0: that, yeah, you have a little bit smoother, and it is a little bit cheaper than the Benelon where they are actively trying to bet, buy, and sell different investments that they believe in in order to\n\nChannel 1: Mhmm.\n\nChannel 0: outperform the market. So that's where those fees\n\nChannel 1: Yeah.\n\nChannel 0: kind of are a bit saving as well. But if if it's not outperforming, then why are you spending more money on it? If it's not, then\n\nChannel 1: Yes.\n\nChannel 0: warranting,\n\nChannel 1: Yeah.\n\nChannel 0: like, the active components to it.\n\nChannel 1: Got it.\n\nChannel 0: And then when it comes to kind of your satellite investment, so these are the ones that can be a little bit more specialized, and they are kind of focusing in different sectors and regions. So\n\nChannel 1: Mhmm.\n\nChannel 0: these are the ones that can give you the most amount of growth, but they can fluctuate a little bit more as well. So these are the ones we wanna have a little bit lower exposure to.\n\nChannel 1: Yes.\n\nChannel 0: So yeah. So for example, you can see 9% invested\n\nChannel 1: Yeah.\n\nChannel 0: in Europe.\n\nChannel 1: Europe.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: have, yeah, 5% in Japan, and then you have 8% in Vanguard or Wells. You may have heard of Vanguard\n\nChannel 1: Yep.\n\nChannel 0: before. They're they're they're quite big. Now\n\nChannel 1: Mhmm.\n\nChannel 0: this one here does exclude The US. So invest in all around the globe, but excluding The US because you already have exposures to The US in the ISHA's S and P 500.\n\nChannel 1: Yes. I see.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: we, yeah, and we wanna make sure you don't have too much in one market\n\nChannel 1: Yep.\n\nChannel 0: either because we do\n\nChannel 1: Yep.\n\nChannel 0: wanna diversify things for you. And then at the bottom of that 5%, you can see just fixed interest, that defensive component to limit fluctuations a little bit there for you. So overall, not massive changes. Just literally\n\nChannel 1: Yep.\n\nChannel 0: changing some of your investments around kind of optimizing things for the future and also what is going on to give you also very well rounded diversified portfolio.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Now in the appendix, if it is that you would like to go and read a little bit more on each of these investments, in the appendix, I have included those investment links. But if it is that you do wanna go and have a read over that, that all the material and everything like that is in there for you, which\n\nChannel 1: Right.\n\nChannel 0: is one of\n\nChannel 1: Yep.\n\nChannel 0: those attachments\n\nChannel 1: K.\n\nChannel 0: before you click in the email. Does that make sense? Yep.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Perfect. Now what that actually looks like in terms of the asset allocation is then on page\n\nChannel 1: Mhmm.\n\nChannel 0: 19. So you can see here you have your risk profile, which is aiming around that 90 to 10 split to growth defensive. You can see your existing portfolio, so about '92 through July, and then the\n\nChannel 1: Mhmm.\n\nChannel 0: proposed, which is about $93.81 to $6.19. So they are both very much closely aligned to your to your high growth\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio there for you. Slightly more in your growth, not by much, though. Yep.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Perfect. Now what I have also done for you is on the page 20, I have\n\nChannel 1: Yep.\n\nChannel 0: included a bit of a retirement income calculator\n\nChannel 1: Mhmm.\n\nChannel 0: for you just to give you a bit of a just bit of an update on how things are potentially tracking as well. And aiming for that weekly income of around $1,500 per week when you turn\n\nChannel 1: Yep.\n\nChannel 0: 65. So, basically,\n\nChannel 1: Yep.\n\nChannel 0: what's this one here so it also works in a little bit more conservative rate after 60 if you do wanna look at potentially reducing the risk a little bit. So before\n\nChannel 1: Right.\n\nChannel 0: 60, we've used that the high growth return, but then after 60, just to have a little bit more conservative for you, we've just kind\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: see.\n\nChannel 0: used a a balanced portfolio just to kind of show you because often\n\nChannel 1: Yep.\n\nChannel 0: people do wanna slightly start reducing risk\n\nChannel 1: Yep.\n\nChannel 0: as they get older as well. So just to show you, now what this looks like as well is the the green is then you drawing an income from superannuation from the age of\n\nChannel 1: Mhmm.\n\nChannel 0: 65, how that kind of lasts. And then from 79, where you can see the kind of the blue is\n\nChannel 1: Yes.\n\nChannel 0: then where\n\nChannel 1: Correct.\n\nChannel 0: you could\n\nChannel 1: Mhmm.\n\nChannel 0: potentially supplement a bit of age pension as well. So, obviously, as you draw income from your super, if you draw more, then, obviously, the returns are making for you, it's going to go down gradually, obviously, the older you get. But then you are potentially able to get a bit of a partial age pension from about 79 because you do have\n\nChannel 1: Right.\n\nChannel 0: plenty of super before then as well to kind of help you get through.\n\nChannel 1: Okay.\n\nChannel 0: And that would still kind of get you through about 91,\n\nChannel 1: Right.\n\nChannel 0: and\n\nChannel 1: Okay.\n\nChannel 0: then it it will be a potential age pension from there. So it's\n\nChannel 1: Yeah.\n\nChannel 0: obviously a bit of a a rough guide there for you, but it does\n\nChannel 1: Yeah.\n\nChannel 0: often show you, okay. Well, what we are doing, I'm I'm kind of on track to do what I want to do for retirement anyway.\n\nChannel 1: Yeah. Got it. Yep.\n\nChannel 0: Yep. Perfect. That makes\n\nChannel 1: Yes. Yeah.\n\nChannel 0: sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. Yep. Perfect. Now the last thing I do wanna touch on briefly, again, is just a remuneration.\n\nNow there is no changes, like I mentioned, in the annual review through the fee structure. It stays exactly the same at 1.65. Now I\n\nChannel 1: Yep.\n\nChannel 0: have also, just for compliance purposes, included the the premium for your insurances. So with insurances, we do get commissions. That is 22% of the premium ongoing. But that\n\nChannel 1: Yep.\n\nChannel 0: is Zurich, your insurer paying us. It is not you paying us at all.\n\nChannel 1: Yep.\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: see.\n\nChannel 0: same for every single insurer out there, so it does not\n\nChannel 1: Yeah.\n\nChannel 0: sway\n\nChannel 1: Yeah.\n\nChannel 0: us in any way to, like, recommend one provider over the other.\n\nChannel 1: Yep.\n\nChannel 0: But for\n\nChannel 1: Yep.\n\nChannel 0: compliance purposes, we have to disclose it so that you are fully aware. Does that all make sense, or do you have any questions in regards to any\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: No. That's\n\nChannel 0: No.\n\nChannel 1: that's that's\n\nChannel 0: Beautiful.\n\nChannel 1: fine.\n\nChannel 0: So, essentially, from here, I see them scroll\n\nChannel 1: Yep.\n\nChannel 0: through. It just kind of recaps everything, how to implement the advice. So, basically, from here is if you are happy to go ahead with the investment change, From here, it would be for you to sign the document.\n\nChannel 1: Mhmm.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: can do it all digitally. Just add a signature and a date. That\n\nChannel 1: Yep.\n\nChannel 0: will then send it back to me, and I will let the team know that you are happy to go ahead with the change. But if\n\nChannel 1: Sure.\n\nChannel 0: you did wanna take some time and have a read over everything as well, you are more than welcome to do that.\n\nChannel 1: Yep. And that that all seems to seems to make sense.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah. So signing what? Page 26. Is that right?\n\nChannel 0: It should automatically, when you press start or sign, take you to where to sign. But, yes, page 26, it should have a signature box and a date. Now\n\nChannel 1: Yep.\n\nChannel 0: sometimes there is it won't let you get further if there's, like, a little text box. Does do you have that error? Or there's, like, a little text box?\n\nChannel 1: There is a big text box. Yes. So what\n\nChannel 0: Yep.\n\nChannel 1: do I do? Like type NA or something like that? It's a very\n\nChannel 0: Correct.\n\nChannel 1: large text\n\nChannel 0: Yep.\n\nChannel 1: box.\n\nChannel 0: Yeah. It is there if you did wanted to make any changes. It allows you\n\nChannel 1: Oh, I\n\nChannel 0: to\n\nChannel 1: see.\n\nChannel 0: type to type\n\nChannel 1: Yeah.\n\nChannel 0: anything.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: But if not, yeah, just n a full stop. That's\n\nChannel 1: Yep.\n\nChannel 0: fine, and then it will let you kind of submit everything after that.\n\nChannel 1: Okay. I think that is the reading. Hello, that I\n\nChannel 0: And\n\nChannel 1: can\n\nChannel 0: it\n\nChannel 1: send.\n\nChannel 0: should say, yep, it should say validate. Now this document as well, it will be saved into your DocuSign folder as well. So if you do wanna have access to emails later and have a look at it, it's all there.\n\nChannel 1: Sure.\n\nChannel 0: If you do\n\nChannel 1: Yep.\n\nChannel 0: have any issues at all, we always keep a copy on file as well. I'm more than welcome to\n\nChannel 1: Yep.\n\nChannel 0: email that to you if you do ever want any of that.\n\nChannel 1: Yep. Correct.\n\nChannel 0: But I can see here, James, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these investment changes for you. And do you have any other changes for you. And do you have any other questions or need anything else from me otherwise before I\n\nChannel 1: Yeah.\n\nChannel 0: let\n\nChannel 1: Look,\n\nChannel 0: you go and\n\nChannel 1: I\n\nChannel 0: enjoy\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: mean,\n\nChannel 0: rest of\n\nChannel 1: the\n\nChannel 0: your\n\nChannel 1: the\n\nChannel 0: afternoon?\n\nChannel 1: only other thing that I sort of I was wanting to run by, which is sort of touched\n\nChannel 0: Mhmm.\n\nChannel 1: on at the beginning of that document, Since we had that initial review, I've then had a bit more of a follow-up with Accru Real Estate, who are the people\n\nChannel 0: Yep.\n\nChannel 1: that my other property is is through, and we\n\nChannel 0: Yes.\n\nChannel 1: went into a bit more detail with the self managed super fund\n\nChannel 0: The refund? Yes.\n\nChannel 1: and, you know, looked at property, and I had basically said I was waiting on tonight's\n\nChannel 0: Yes.\n\nChannel 1: meeting with you\n\nChannel 0: Yes. Yeah.\n\nChannel 1: to to decide whether to go ahead. I I I still think I am erring towards not doing anything, and certainly what\n\nChannel 0: Yep.\n\nChannel 1: you've presented would seem to reinforce that. I think, you know,\n\nChannel 0: Yep.\n\nChannel 1: the amount of time and and the risk at this stage is probably not something I'm wanting to, you know, look into, I\n\nChannel 0: To\n\nChannel 1: suppose.\n\nChannel 0: go down. Yeah.\n\nChannel 1: So it was basically just to reinforce that advice that\n\nChannel 0: Okay.\n\nChannel 1: I that I should should stay,\n\nChannel 0: Done.\n\nChannel 1: you\n\nChannel 0: Yeah.\n\nChannel 1: know, with hub twenty four, keep\n\nChannel 0: Yep.\n\nChannel 1: all the money there rather than looking into buying another a second property or actually a third property,\n\nChannel 0: Yep.\n\nChannel 1: you know, with with that. So I just wanted\n\nChannel 0: With this.\n\nChannel 1: to check I suppose double double check that with you.\n\nChannel 0: Yes. And I would agree with that very much, especially with everything that's changing with the rules after the budget and everything as well.\n\nChannel 1: Yeah.\n\nChannel 0: And kind of like we touched on last time, a a self assessment can be great for a lot of people.\n\nChannel 1: Yeah.\n\nChannel 0: Most of the time, it is for property purchases that people do it as\n\nChannel 1: Yes.\n\nChannel 0: well or\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Yeah.\n\nChannel 0: businesses and stuff like that. But it does come with a lot more legislation, a lot more responsibility\n\nChannel 1: Yeah.\n\nChannel 0: on yourself.\n\nChannel 1: Yeah.\n\nChannel 0: And often when we do look at it as well, yes, property prices have kind of gone through the the roof lately as well, but it does put kind of everything into the one basket as well unless you are looking\n\nChannel 1: I see.\n\nChannel 0: at kind\n\nChannel 1: Yeah.\n\nChannel 0: of changing\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: things.\n\nChannel 1: That makes sense.\n\nChannel 0: And, yeah, and from, like, a liquidity point of view, so if you needed to access your money quickly, but for some reason, like, if if you were to have an accident or you can't\n\nChannel 1: Of\n\nChannel 0: work\n\nChannel 1: course.\n\nChannel 0: and you\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: see.\n\nChannel 0: tapered\n\nChannel 1: Yep.\n\nChannel 0: data or something like that, it's it's quite easy for us to sell some of your investment. Now some takes a little bit longer, but some, very quickly, you could get access to that money. Obviously, with the property, everything is looked into the property and obviously going through that whole kind of settlement and stuff like that. So it\n\nChannel 1: Yep.\n\nChannel 0: does make it\n\nChannel 1: Yep.\n\nChannel 0: a little bit trickier from that side of it, and everything is then into one single market. So if it is that there is a bit of a property crash or anything like that, everything is into the\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: see.\n\nChannel 0: bucket,\n\nChannel 1: Yes. Okay. I see. Yep.\n\nChannel 0: which is not as kind of diverse diversified as, obviously, the investments we just kind of went through especially with everything that is going on\n\nChannel 1: Yeah. Yep.\n\nChannel 0: around the\n\nChannel 1: No. I\n\nChannel 0: globe\n\nChannel 1: understand\n\nChannel 0: and\n\nChannel 1: that.\n\nChannel 0: everything. So\n\nChannel 1: Yeah. No. And\n\nChannel 0: I\n\nChannel 1: and\n\nChannel 0: think\n\nChannel 1: I think that's sort of yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: But, look,\n\nChannel 1: Yeah.\n\nChannel 0: there's always something if you ever want to revisit it or if at any point you go, no. No. I really do want to look at it. We can always reassess that we can reassess in a couple\n\nChannel 1: Yep.\n\nChannel 0: of months or six months or next under review to be like, okay. Where where are the rules? What's changing? How's your\n\nChannel 1: Yep.\n\nChannel 0: life? Where are you super at? And we\n\nChannel 1: Yeah.\n\nChannel 0: can always always look at it. It doesn't have to be an under review time as well. It can be any time during the year as well if you\n\nChannel 1: Yep.\n\nChannel 0: do ever wanna look at it. But I think from what we've kind of spoken about, I think what you were doing now, I would suggest we'll put you in a better position than looking\n\nChannel 1: Yep.\n\nChannel 0: at\n\nChannel 1: Okay.\n\nChannel 0: the the sales manager super fund from what you you're telling me with your goals and everything like that.\n\nChannel 1: Yeah. Yeah. Great. Okay. That's\n\nChannel 0: Yep.\n\nChannel 1: really good to know. Fantastic.\n\nChannel 0: No. But it is a good question, though, and it is definitely a popular topic for a lot of people.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But, yes, if you do have any further questions in regards to it or if you did wanted to talk more about it at any point in time, just give me a call or send me an email, and we can always book\n\nChannel 1: Yep.\n\nChannel 0: you booked in for another catch up as well to talk more about\n\nChannel 1: Great. Fantastic.\n\nChannel 0: it. Yep. Beautiful.\n\nChannel 1: Alright. Excellent. Thank you. That's all good news. Thank you very\n\nChannel 0: Well,\n\nChannel 1: much.\n\nChannel 0: no. No problem. I will let you go. And are you watching the State of Origin tonight, or you're not really a\n\nChannel 1: I I'm\n\nChannel 0: a\n\nChannel 1: not\n\nChannel 0: too\n\nChannel 1: I'm\n\nChannel 0: much\n\nChannel 1: off\n\nChannel 0: of\n\nChannel 1: to\n\nChannel 0: a fan?\n\nChannel 1: the off after the not really a fan. I'm off to the theater tonight down here.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: lovely. Oh, wonderful.\n\nChannel 1: yeah.\n\nChannel 0: Well,\n\nChannel 1: Yeah.\n\nChannel 0: I will let you go and enjoy your theater. If you need anything else,\n\nChannel 1: Thank\n\nChannel 0: James,\n\nChannel 1: you.\n\nChannel 0: just let me know.\n\nChannel 1: Thanks. Really appreciate it, Veronica. Thank you.\n\nChannel 0: No problem at all. We'll speak\n\nChannel 1: Take\n\nChannel 0: soon.\n\nChannel 1: care. Thanks.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":1.28,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.10264965146780014},{"text":"It's Veronica.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.10331450030207634},{"text":"How are you?","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.1500383267800013}],"sentiment":"neutral","sentiment_score":0.123149040554251,"channel":0,"num_words":7,"start":1.28,"end":3.6999998},{"sentences":[{"text":"Hi.","start":3.52,"end":3.84,"sentiment":"neutral","sentiment_score":0.2832919657230377},{"text":"I'm good.","start":3.84,"end":4.3199997,"sentiment":"positive","sentiment_score":0.5026828944683075},{"text":"Thanks.","start":4.3199997,"end":4.56,"sentiment":"positive","sentiment_score":0.6281294822692871},{"text":"And you?","start":4.56,"end":5.22,"sentiment":"neutral","sentiment_score":0.3071442097425461}],"sentiment":"positive","sentiment_score":0.421845942735672,"channel":1,"num_words":6,"start":3.52,"end":5.22},{"sentences":[{"text":"Yeah.","start":5.52,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.28050222992897034},{"text":"Good.","start":5.8399997,"end":6.16,"sentiment":"positive","sentiment_score":0.4752820432186126},{"text":"You made it home okay?","start":6.16,"end":7.46,"sentiment":"neutral","sentiment_score":0.2858526766300201}],"sentiment":"neutral","sentiment_score":0.3121496651853834,"channel":0,"num_words":7,"start":5.52,"end":7.46},{"sentences":[{"text":"Yes.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":0.2153435051441193},{"text":"All fine.","start":8.16,"end":8.559999,"sentiment":"neutral","sentiment_score":0.31806302070617676},{"text":"Yeah.","start":8.559999,"end":8.72,"sentiment":"neutral","sentiment_score":0.2733590006828308},{"text":"It's a really","start":8.72,"end":9.2,"sentiment":"neutral","sentiment_score":0.30920804540316266}],"sentiment":"neutral","sentiment_score":0.2932075262069702,"channel":1,"num_words":7,"start":7.7599998,"end":9.2},{"sentences":[{"text":"Yes.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.3817874789237976}],"sentiment":"positive","sentiment_score":0.3817874789237976,"channel":0,"num_words":1,"start":9.04,"end":9.54},{"sentences":[{"text":"short walk, so that was easy.","start":9.2,"end":11.3,"sentiment":"positive","sentiment_score":0.5705321182807287}],"sentiment":"positive","sentiment_score":0.5705321182807287,"channel":1,"num_words":6,"start":9.2,"end":11.3},{"sentences":[{"text":"That's really nice and convenient.","start":10.96,"end":12.58,"sentiment":"positive","sentiment_score":0.8441074013710022}],"sentiment":"positive","sentiment_score":0.8441074013710022,"channel":0,"num_words":5,"start":10.96,"end":12.58},{"sentences":[{"text":"Yeah.","start":13.12,"end":13.36,"sentiment":"positive","sentiment_score":0.5378437638282776},{"text":"Very convenient.","start":13.36,"end":14.179999,"sentiment":"positive","sentiment_score":0.6426473557949066},{"text":"Yes.","start":14.24,"end":14.74,"sentiment":"neutral","sentiment_score":0.2581747770309448}],"sentiment":"positive","sentiment_score":0.5203283131122589,"channel":1,"num_words":4,"start":13.12,"end":14.74},{"sentences":[{"text":"Now I won't take up too much of your time today.","start":16.175,"end":18.895,"sentiment":"neutral","sentiment_score":0.11387633464553139},{"text":"It","start":18.895,"end":19.055,"sentiment":"neutral","sentiment_score":0.09428580105304718}],"sentiment":"neutral","sentiment_score":0.11224379017949104,"channel":0,"num_words":12,"start":16.175,"end":19.055},{"sentences":[{"text":"That's","start":19.025,"end":19.265,"sentiment":"neutral","sentiment_score":0.2595336437225342}],"sentiment":"neutral","sentiment_score":0.2595336437225342,"channel":1,"num_words":1,"start":19.025,"end":19.265},{"sentences":[{"text":"is","start":19.055,"end":19.455,"sentiment":"neutral","sentiment_score":0.2860264480113983}],"sentiment":"neutral","sentiment_score":0.2860264480113983,"channel":0,"num_words":1,"start":19.055,"end":19.455},{"sentences":[{"text":"okay.","start":19.265,"end":19.765,"sentiment":"neutral","sentiment_score":0.3198411464691162}],"sentiment":"neutral","sentiment_score":0.3198411464691162,"channel":1,"num_words":1,"start":19.265,"end":19.765},{"sentences":[{"text":"pretty straightforward.","start":19.455,"end":20.355,"sentiment":"positive","sentiment_score":0.39518409967422485}],"sentiment":"positive","sentiment_score":0.39518409967422485,"channel":0,"num_words":2,"start":19.455,"end":20.355},{"sentences":[{"text":"Yeah.","start":21.345,"end":21.845,"sentiment":"neutral","sentiment_score":0.07027676701545715}],"sentiment":"neutral","sentiment_score":0.07027676701545715,"channel":1,"num_words":1,"start":21.345,"end":21.845},{"sentences":[{"text":"But do you have access to your emails at the moment, James?","start":21.935001,"end":24.835,"sentiment":"neutral","sentiment_score":0.020670563215389848}],"sentiment":"neutral","sentiment_score":0.020670563215389848,"channel":0,"num_words":12,"start":21.935001,"end":24.835},{"sentences":[{"text":"Yep.","start":24.545,"end":24.945,"sentiment":"neutral","sentiment_score":0.041325803846120834},{"text":"Just logging in now.","start":24.945,"end":26.545,"sentiment":"neutral","sentiment_score":0.03960454557090998},{"text":"I can see you","start":26.545,"end":27.185,"sentiment":"neutral","sentiment_score":0.04883204307407141}],"sentiment":"neutral","sentiment_score":0.04389690649178293,"channel":1,"num_words":9,"start":24.545,"end":27.185},{"sentences":[{"text":"Yes.","start":27.15,"end":27.65,"sentiment":"neutral","sentiment_score":0.08206233382225037}],"sentiment":"neutral","sentiment_score":0.08206233382225037,"channel":0,"num_words":1,"start":27.15,"end":27.65},{"sentences":[{"text":"have sent me a couple of things.","start":27.185,"end":29.33,"sentiment":"neutral","sentiment_score":0.07702434382268361}],"sentiment":"neutral","sentiment_score":0.07702434382268361,"channel":1,"num_words":7,"start":27.185,"end":29.33},{"sentences":[{"text":"Yes.","start":29.789999,"end":30.27,"sentiment":"neutral","sentiment_score":0.06205160915851593},{"text":"So when you go in, it should be the same as for the interview where you do have a couple of 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that is basically just a research material.","start":41.885,"end":44.305,"sentiment":"neutral","sentiment_score":0.11497438978403807},{"text":"So you will have an","start":44.524998,"end":45.565,"sentiment":"neutral","sentiment_score":0.09614065289497375}],"sentiment":"neutral","sentiment_score":0.12065795576199889,"channel":0,"num_words":16,"start":40.605,"end":45.565},{"sentences":[{"text":"Yep.","start":45.365,"end":45.865,"sentiment":"neutral","sentiment_score":0.07988204061985016}],"sentiment":"neutral","sentiment_score":0.07988204061985016,"channel":1,"num_words":1,"start":45.365,"end":45.865},{"sentences":[{"text":"appendix, which is where, like, the research investment links and stuff like that go.","start":45.565,"end":50.464996,"sentiment":"neutral","sentiment_score":0.09111916114177022},{"text":"If you 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enjoy your theater.","start":1468.135,"end":1470.135,"sentiment":"positive","sentiment_score":0.63085409005483},{"text":"If you need anything 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They emphasize the benefits of the recommendation and caution about potential capital gains and tax consequences. The speaker emphasizes the importance of staying in the high growth portfolio and changing investments, as well as reducing asset allocation and staying in compliance with regulations. They offer to help with anything else and book a follow-up meeting if needed."},"intents":{"segments":[{"text":"But do you have access to your emails at the moment, James?","start_word":61,"end_word":72,"intents":[{"intent":"Confirm access to emails","confidence_score":0.046510227}]},{"text":"So every time we do make a recommendation on a financial product and give you personalized advice, we have to put everything in this statement of advice Yep.","start_word":340,"end_word":367,"intents":[{"intent":"Make recommendations","confidence_score":0.30356857},{"intent":"Recommend recommendation","confidence_score":0.00012821167}]},{"text":"just to ensure that, you know, you understand everything, essentially. Yep.","start_word":367,"end_word":377,"intents":[{"intent":"Understand everything","confidence_score":0.47761926}]},{"text":"Now on the second page there, you should see the best interest duty. Can Cool.","start_word":379,"end_word":393,"intents":[{"intent":"Determine best interest","confidence_score":0.00006720943}]},{"text":"Have you heard the of this before? Not specifically.","start_word":401,"end_word":409,"intents":[{"intent":"Clarify purpose of statement","confidence_score":0.0049605817}]},{"text":"Have you heard the of this before? Not specifically. No.","start_word":401,"end_word":410,"intents":[{"intent":"Determine purpose of statement","confidence_score":0.020084975}]},{"text":"down through page three where it says scope of advice. Mhmm.","start_word":533,"end_word":543,"intents":[{"intent":"Determine scope of advice","confidence_score":0.025611674}]},{"text":"if we wanted to make any changes in regards to your investment, especially with what's going on in the world to make sure we do have you in the best position possible for retirement. Not making any changes in regards to insurances or anything like that. Just literally your safe relations today. That all makes sense? Yep.","start_word":596,"end_word":652,"intents":[{"intent":"Recommend investment changes","confidence_score":0.00018451113}]},{"text":"of pages about you, page seven and page eight. Just from this box find, just just some information about you, your assets as well. Just have a quick read over that for me just to make sure that's all kind of up to date or if I need to make any changes in the back end for you. Yep.","start_word":674,"end_word":732,"intents":[{"intent":"Provide information","confidence_score":0.0032414647}]},{"text":"And you were quite comfortable to kind of stay in a high growth portfolio. Your focus is Sure. to try and grow your super as much as as possible, still have plenty Mhmm. of time until retirement. So we're not making any changes in regards to your risk profile. It is literally just Yep. looking at altering some of your investments.","start_word":781,"end_word":841,"intents":[{"intent":"Confirm re-evolution","confidence_score":0.00002005418}]},{"text":"So like I said, I have recommended that you retain hub twenty four and just make Mhmm.","start_word":892,"end_word":908,"intents":[{"intent":"Recommend keeping hub twenty four","confidence_score":0.016545076},{"intent":"Recommend sticking to 225 four","confidence_score":0.000064974505}]},{"text":"So it is good to kind of reassess because there's nothing Mhmm. tying us to have twenty four. So if there are better options out there for you, would you like to do reset continuously just to make sure?","start_word":961,"end_word":999,"intents":[{"intent":"Reassessment information","confidence_score":0.10918994},{"intent":"Recommend reevaluating options","confidence_score":0.0012078733}]},{"text":"I recommended you stay in Hub twenty four. Mhmm.","start_word":1042,"end_word":1050,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.22867575}]},{"text":"And what I usually like to focus on is Yep. Yep.","start_word":1098,"end_word":1108,"intents":[{"intent":"Aim for clarity","confidence_score":0.000075122574}]},{"text":"outline the advantages when it comes to the recommendation, some disadvantages to be mindful of, but then also some risk because there's always a level of risk associated with any investment option. Yep.","start_word":1185,"end_word":1217,"intents":[{"intent":"Discuss investment benefits and risk","confidence_score":0.0026841955}]},{"text":"So it is good to obviously be mindful of that. But, essentially, like I said, what I have recommended is staying in hub twenty four and changing your Yep. investment.","start_word":1218,"end_word":1247,"intents":[{"intent":"Discuss recommendation recommended investments","confidence_score":6.505009e-7}]},{"text":"actually looks like is you can see here that by making the changes to just your investments alone, Mhmm. so not contributions, not advice fees, or insurance premium, it will save you roughly $973 Yeah.","start_word":1252,"end_word":1286,"intents":[{"intent":"Discuss investment saving","confidence_score":0.00021559252}]},{"text":"guarantee anything about using five years historical as well. It gives us a bit more certainty of what's happened in the market and the portfolio Yep. to give you a little bit more certainty. Does that make sense? Yeah.","start_word":1359,"end_word":1397,"intents":[{"intent":"Confirm historical and portfolio decisions","confidence_score":0.000017239505}]},{"text":"So you can see here that your current portfolio has performed at about 10.62, and Mhmm. the recommended is about 12.02. So, Mhmm. again, has performed a little bit better, and it's also cheaper, which obviously compounds for you. So if Of course.","start_word":1403,"end_word":1445,"intents":[{"intent":"Educate about portfolio benefits","confidence_score":0.004761298}]},{"text":"So you can see that the one investment we are keeping in your portfolio is your iShares S and P 500. That one has done really well. It's very diversified because it does invest in the 500 largest companies Mhmm. listed in The US. So all the big companies very diversified for you. So we are keeping that one in your portfolio Yep.","start_word":1878,"end_word":1940,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.00023252389}]},{"text":"that, yeah, you have a little bit smoother, and it is a little bit cheaper than the Benelon where they are actively trying to bet, buy, and sell different investments that they believe in in order to Mhmm. outperform the market.","start_word":2201,"end_word":2241,"intents":[{"intent":"Inform about equilibrium investments","confidence_score":2.6833644e-7}]},{"text":"wanna diversify things for you. And then at the bottom of that 5%, you can see just fixed interest, that defensive component to limit fluctuations a little bit there for you. So overall, not massive changes. Just literally Yep. changing some of your investments around kind of optimizing things for the future and also what is going on to give you also very well rounded diversified portfolio. Yes.","start_word":2466,"end_word":2533,"intents":[{"intent":"Diversify investments","confidence_score":0.039266564}]},{"text":"Now in the appendix, if it is that you would like to go and read a little bit more on each of these investments, in the appendix, I have included those investment links. But if it is that you do wanna go and have a read over that, that all the material and everything like that is in there for you, which Right.","start_word":2534,"end_word":2596,"intents":[{"intent":"Provide investment links","confidence_score":0.09218734},{"intent":"Analyze portfolio allocation","confidence_score":0.00045684224}]},{"text":"Now what that actually looks like in terms of the asset allocation is then on page Mhmm. 19. So you can see here you have your risk profile, which is aiming around that 90 to 10 split to growth defensive. You can see your existing portfolio, so about '92 through July, and then the Mhmm. proposed, which is about $93.81 to $6.19.","start_word":2618,"end_word":2679,"intents":[{"intent":"Invest in asset allocation","confidence_score":0.000024815557}]},{"text":"Now what I have also done for you is on the page 20, I have Yep. included a bit of a retirement income calculator Mhmm. for you just to give you a bit of a just bit of an update on how things are potentially tracking as well. And aiming for that weekly income of around $1,500 per week when you turn Yep. 65.","start_word":2714,"end_word":2777,"intents":[{"intent":"Assist with retirement income calculator","confidence_score":0.0011768985}]},{"text":"what's this one here so it also works in a little bit more conservative rate after 60 if you do wanna look at potentially reducing the risk a little bit. So before Right.","start_word":2781,"end_word":2813,"intents":[{"intent":"Reduce risk","confidence_score":0.6095371}]},{"text":"60, we've used that the high growth return, but then after 60, just to have a little bit more conservative for you, we've just kind I of see. used a a balanced portfolio just to kind of show you because often Yep. people do wanna slightly start reducing risk Yep.","start_word":2815,"end_word":2864,"intents":[{"intent":"Discuss portfolio preferences","confidence_score":0.0005160981}]},{"text":"So, essentially, from here, I see them scroll Yep. through. It just kind of recaps everything, how to implement the advice.","start_word":3249,"end_word":3269,"intents":[{"intent":"Provide guidance and instructions","confidence_score":0.000075205826}]},{"text":"So I will let the team know that we'll go ahead and make these investment changes for you. And do you have any other changes for you. And do you have any other questions or need anything else from me otherwise before I Yeah.","start_word":3633,"end_word":3676,"intents":[{"intent":"Request investment changes and follow-up on accru real estate","confidence_score":2.1625469e-7}]},{"text":"I I I still think I am erring towards not doing anything, and certainly what Yep. you've presented would seem to reinforce that. I think, you know, Yep. the amount of time and and the risk at this stage is probably not something I'm wanting to, you know, look into, I To suppose. go down. Yeah.","start_word":3797,"end_word":3852,"intents":[{"intent":"Evaluate potential errancy and consider a decision","confidence_score":1.2930902e-7}]},{"text":"I that I should should stay, Done. you Yeah. know, with hub twenty four, keep Yep. all the money there rather than looking into buying another a second property or actually a third property, Yep. you know, with with that. So I just wanted With this. to check I suppose double double check that with you. Yes.","start_word":3865,"end_word":3921,"intents":[{"intent":"Negotiate property purchase","confidence_score":0.001098136}]},{"text":"which is not as kind of diverse diversified as, obviously, the investments we just kind of went through especially with everything that is going on Yeah.","start_word":4221,"end_word":4246,"intents":[{"intent":"Review investment options","confidence_score":0.00054443406}]}]},"sentiments":{"segments":[{"text":"Hi, James. It's Veronica. How are you? Hi.","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.13711081445217133},{"text":"I'm good. Thanks.","start_word":8,"end_word":10,"sentiment":"positive","sentiment_score":0.5320578813552856},{"text":"And you? Yeah.","start_word":11,"end_word":13,"sentiment":"neutral","sentiment_score":0.2996675670146942},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.4752820432186126},{"text":"You made it home okay? Yes. All fine. Yeah.","start_word":15,"end_word":23,"sentiment":"neutral","sentiment_score":0.2779902219772339},{"text":"It's a really Yes. short walk, so that was easy. That's really nice and convenient. Yeah. Very convenient.","start_word":24,"end_word":41,"sentiment":"positive","sentiment_score":0.5830162763595581},{"text":"Yes. Now I won't take up too much of your time today. It That's is okay.","start_word":42,"end_word":57,"sentiment":"neutral","sentiment_score":0.172109454870224},{"text":"pretty straightforward.","start_word":58,"end_word":59,"sentiment":"positive","sentiment_score":0.3814568221569062},{"text":"Yeah. But do you have access to your emails at the moment, James? Yep. Just logging in now. I can see you Yes. have sent me a couple of things. Yes. So when you go in, it should be the same as for the interview where you do have a couple of attachments Yes. first Yes. before Yep. it Got gets that. you. Yep. Perfect. So that is basically just a research material. So you will have an Yep. appendix, which is where, like, the research investment links and stuff like that go. If you do Yes. wanna have a have a bit of a read over that in your own time, And then just the accompany product Mhmm. disclosure statement, just for your hub twenty four accounts. Again, just for research and for your reference. But, otherwise, Yep. if you can click on the link where it says sign now, it will allow you to open up the document before it prompts you to sign anything just so that you can have a bit of a read over with me. Yeah. Okay. Got it. Yep. Yep. Perfect. So you can see the cover page there where it says prepared for yourself. Yes. Yep. Yep.","start_word":60,"end_word":264,"sentiment":"neutral","sentiment_score":0.0801999494433403},{"text":"Beautiful.","start_word":265,"end_word":265,"sentiment":"positive","sentiment_score":0.3556209206581116},{"text":"Now on the cover page, you will also see my details listed underneath that. So you Alright. will see Yes. my Yep. authorized, yep, number listed. So, basically, a lot of it today is compliant. You'll see it's about 28 pages. I won't go through all of that with you Yep. because it is pretty straightforward. But the purpose as well is to make sure that you are fully across and understand everything. So every time we do make a recommendation on a financial product and give you personalized advice, we have to put everything in this statement of advice Yep. just to ensure that, you know, you understand everything, essentially. Yep.","start_word":266,"end_word":377,"sentiment":"neutral","sentiment_score":0.10457399168184824},{"text":"Perfect.","start_word":378,"end_word":378,"sentiment":"positive","sentiment_score":0.6431733965873718},{"text":"Now on the second page there, you should see the best interest duty. Can Cool. you see that? Mhmm. Mhmm. Yep.","start_word":379,"end_word":399,"sentiment":"neutral","sentiment_score":0.15767350792884827},{"text":"Beautiful.","start_word":400,"end_word":400,"sentiment":"positive","sentiment_score":0.4273388981819153},{"text":"Have you heard the of this before? Not specifically. No. No. Essentially, basically, what it means is that we have to act in your best interest at Yeah. all time, and the advice has to put you in a better position as a result Yep. of the advice. Otherwise, I can't actually Mhmm. make the recommendation. Yeah.","start_word":401,"end_word":457,"sentiment":"neutral","sentiment_score":-0.03640170022845268},{"text":"And if I don't act in your best interest, I will lose my license. And if I lose my license, Mhmm. I will lose my job, and my husband at home will be too happy with me.","start_word":458,"end_word":494,"sentiment":"negative","sentiment_score":-0.42408254742622375},{"text":"So, essentially, there's a lot in place just to protect you. So Of that's course. basically what it Yep. talks about. Yep. Now I'll try to make it pretty quick for you. If you can That's scroll fine. down through page three where it says scope of advice. Mhmm. Mhmm. Now, basically, what scope of advice for faster is the areas we are looking at in today's statement of Mhmm. the device. So it doesn't mean there's no other things we can't look at down to track. But today, simply, the goal is to focus on your superannuation, to see Mhmm. if we wanted to make any changes in regards to your investment, especially with what's going on in the world to make sure we do have you in the best position possible for retirement. Not making any changes in regards to insurances or anything like that. Just literally your safe relations today. That all makes sense? Yep. Yep.","start_word":495,"end_word":653,"sentiment":"neutral","sentiment_score":0.07732079923152924},{"text":"Beautiful.","start_word":654,"end_word":654,"sentiment":"positive","sentiment_score":0.3909178376197815},{"text":"Now so, basically, if you can if if you keep scrolling through, you will see a couple Mhmm. of pages about you, page seven and page eight. Just from this box find, just just some information about you, your assets as well. Just have a quick read over that for me just to make sure that's all kind of up to date or if I need to make any changes in the back end for you. Yep. Yep. Yep. It looks bigger. Yep.","start_word":655,"end_word":737,"sentiment":"neutral","sentiment_score":0.09884045030697282},{"text":"Perfect.","start_word":738,"end_word":738,"sentiment":"positive","sentiment_score":0.5674900412559509},{"text":"Now, otherwise, if you can scroll to page 10 for me, it talks a little bit about your risk profile. Yep. Yep. So last time during the under review, we obviously went through kind of risk fluctuations and everything like that. Yep.","start_word":739,"end_word":780,"sentiment":"neutral","sentiment_score":0.03360595554113388},{"text":"And you were quite comfortable to kind of stay in a high growth portfolio. Your focus is Sure.","start_word":781,"end_word":798,"sentiment":"positive","sentiment_score":0.3532244861125946},{"text":"to try and grow your super as much as as possible, still have plenty Mhmm. of time until retirement. So we're not making any changes in regards to your risk profile. It is literally just Yep. looking at altering some of your investments. Mhmm. And that just gives you a little bit of information regards to that high growth profile again, aiming for around that 90 to 95 growth assets to 10 to five defensive. Yep. Now if you can now scroll to page 12 for me, this kind of outlines the recommendation. So like I said, I have recommended that you retain hub twenty four and just make Mhmm. a couple Mhmm. of changes to your investments. So part of the research, I did also consider other super funds for you just Yep. to make sure hub twenty four is still going to be the the best option for you Yep. because there's always new products and features that comes out. So it is good to kind of reassess because there's nothing Mhmm. tying us to have twenty four. So if there are better options out there for you, would you like to do reset continuously just to make sure? But for the time Yep. being, Hub twenty four is still really competitive.","start_word":799,"end_word":1012,"sentiment":"neutral","sentiment_score":0.06810211390256882},{"text":"It's very Yep.","start_word":1013,"end_word":1015,"sentiment":"positive","sentiment_score":0.39505305886268616},{"text":"competitive when it comes to price, features, investment choices, and I do use Hub Mhmm. 24 for my personal super as well. Yeah. So Mhmm. I recommended you stay in Hub twenty four. Mhmm.","start_word":1016,"end_word":1049,"sentiment":"neutral","sentiment_score":0.25206833420430913},{"text":"Now, basically, what this talks about it also talks a little bit about that best interest duty, which is how the recommendation has put you in a better position.","start_word":1050,"end_word":1078,"sentiment":"positive","sentiment_score":0.3827860653400421},{"text":"I will let you kind of have a read over that in your in your own time as well. And what I usually like to focus on is Yep. Yep. Sure. page comparison table, and I often Right. find that it's easier for people to see it this way of how it actually looks from, like, a numbers point of view. So just let me know if you can see that fee comparison table. Mhmm. Yep. Yep. Yep. Yep. Now what you did scroll through as well is kind of what I'll go through and discuss with you on on this page, But it does Mhmm. outline the advantages when it comes to the recommendation, some disadvantages to be mindful of, but then also some risk because there's always a level of risk associated with any investment option. Yep. So it is good to obviously be mindful of that. But, essentially, like I said, what I have recommended is staying in hub twenty four and changing your Yep. investment. Now what that Yep. actually looks like is you can see here that by making the changes to just your investments alone, Mhmm. so not contributions, not advice fees, or insurance premium, it will save you roughly $973 Yeah.","start_word":1079,"end_word":1286,"sentiment":"neutral","sentiment_score":0.13410548865795135},{"text":"a year in investment fees alone, which is pretty good, Yep. Okay. which does make a pretty big difference.","start_word":1287,"end_word":1305,"sentiment":"positive","sentiment_score":0.5046842694282532},{"text":"Now you can also then see the rolling average, so the five year rolling average on the return on your investment. Yep. So we do like to use a five year rolling average because, yes, you never know what's going to happen in the world and the market, and you can never, Yeah. guarantee anything about using five years historical as well. It gives us a bit more certainty of what's happened in the market and the portfolio Yep. to give you a little bit more certainty. Does that make sense? Yeah. Yep. Yep. Yep.","start_word":1306,"end_word":1400,"sentiment":"neutral","sentiment_score":0.17441965639591217},{"text":"Perfect.","start_word":1401,"end_word":1401,"sentiment":"positive","sentiment_score":0.6147819757461548},{"text":"So you can see here that your current portfolio has performed at about 10.62, and Mhmm. the recommended is about 12.02. So, Mhmm.","start_word":1402,"end_word":1424,"sentiment":"neutral","sentiment_score":0.14506646990776062},{"text":"again, has performed a little bit better, and it's also cheaper, which obviously compounds for you.","start_word":1425,"end_word":1440,"sentiment":"positive","sentiment_score":0.44106796383857727},{"text":"So if Of course. you Yep. scroll down through page 16, it then shows Yep. you kind of projected five and ten Yep. years to then show you that impact. Yeah. Now underneath that as well, you can also see I've included a little bit more about the returns as well so that you can see it. So I've done a twelve twelve returns as well so that you can see it. So I've done Yep. a twelve twelve Yep. months, three years, five years, and ten years. And you can see that even though your current one has performed pretty good, the the recommended has performed a little bit better across all That time I frame. yep. Yeah.","start_word":1441,"end_word":1559,"sentiment":"neutral","sentiment_score":0.14098285138607025},{"text":"Which is good. Now the good thing K.","start_word":1560,"end_word":1567,"sentiment":"positive","sentiment_score":0.4130097031593323},{"text":"as well with the investment changes is that often when we do make investment changes, there will be capital gains tax when you are selling investment. So with the the calculations and everything on how we have changed the investments, there's actually Yep. estimated to be no capital gains tax for you, which is great. Okay. Okay. So, obviously, it tends to change a little bit and does change on a daily. But when we did the calculations, there there's not going to be any estimated tax, which is great. So for example, if we were to move you to another CISA fund, it would have been around $1,461 Mhmm. Yeah. in Yeah. the Yeah. tax So that that would come out. yeah. Yes. Exactly. Which kind of outlines the alternative, which you probably scroll through, which would be, yeah, considering different super funds, different portfolios, and stuff like Yeah. that. But this kind Yep.","start_word":1568,"end_word":1722,"sentiment":"neutral","sentiment_score":0.13529616594314575},{"text":"of puts you in the best position, Mhmm.","start_word":1723,"end_word":1730,"sentiment":"positive","sentiment_score":0.33403176069259644},{"text":"considering minimizing tax for you, reducing fees, and wanting to make sure we improve the returns as much as possible. Does that all make sense? Mhmm. Yes. I think so. Yeah. Yep.","start_word":1731,"end_word":1762,"sentiment":"neutral","sentiment_score":0.22355308616533875},{"text":"Yep. Perfect.","start_word":1763,"end_word":1764,"sentiment":"positive","sentiment_score":0.4737439155578614},{"text":"Now what that actually looks like in terms of the investment changes is then outlined on the following page, the page 17. Yep. Yep. So what you see here is you can see all the investment names. You can see the current weighting, so how much you have in each investment, Mhmm. what Mhmm. that looks like in terms of the the dollar figure, and then you have a buy and sell column. So everything Mhmm. Mhmm. in red is what we are selling. Everything in black is what we are either keeping in your portfolio or Yep. adding Yep. to your Or portfolio. or adding to it. Yeah. Got it. Yep. Correct. So you can see that the one investment we are keeping in your portfolio is your iShares S and P 500.","start_word":1765,"end_word":1898,"sentiment":"neutral","sentiment_score":0.08140240609645844},{"text":"That one has done really well.","start_word":1899,"end_word":1904,"sentiment":"positive","sentiment_score":0.5443738698959351},{"text":"It's very diversified because it does invest in the 500 largest companies Mhmm. listed in The US. So all the big companies very diversified for you. So we are keeping that one in your portfolio Yep. as a as a bit of a defensive alternative asset to your Mhmm. gold. Still keeping the gold in your portfolio, just reducing that asset allocation down to about 7% from 10 because we don't wanna have too much overexposure into your defensive as well. But Yep.","start_word":1905,"end_word":1987,"sentiment":"neutral","sentiment_score":0.20770618319511416},{"text":"Gold has done really well, and we do definitely wanna keep that in your portfolio.","start_word":1988,"end_word":2002,"sentiment":"positive","sentiment_score":0.5235632061958313},{"text":"Yep. Otherwise, when it comes to what we have added to your portfolio and what we have changed, it kind of spills over through the next page. Yes. I But say that. for, Yeah. yeah, but for example, that Benelung investment, which I'm not sure you remember, is the one I kind of touched on last time that Yes. I really wanted Yeah. to look at changing. Yeah. So the Yep. one we have kind of swapped that one for is the one at 25%, where it says the beta shares Australia Yeah. 200. Yeah. So Yep. if we are obviously changing one Australian investment, we do wanna sure we still have some exposure to the Australian market. We don't want everything Mhmm. just overseas or in one section. But the BetaShares Australia 200, it does invest in the 200 largest companies listed on the ASX. So Okay. companies Yep. like, BHP, and Woolworths. And how this one works a little bit differently is that it tracks the 200 largest. As the company grows and gets bigger, it gets added to the top 200 and something else gets smaller and goes out. Right. So Dropout. because of Yeah. that, yeah, you have a little bit smoother, and it is a little bit cheaper than the Benelon where they are actively trying to bet, buy, and sell different investments that they believe in in order to Mhmm. outperform the market. So that's where those fees Yeah. kind of are a bit saving as well. But if if it's not outperforming, then why are you spending more money on it? If it's not, then Yes. warranting, Yeah. like, the active components to it. Got it. And then when it comes to kind of your satellite investment, so these are the ones that can be a little bit more specialized, and they are kind of focusing in different sectors and regions. So Mhmm. these are the ones that can give you the most amount of growth, but they can fluctuate a little bit more as well. So these are the ones we wanna have a little bit lower exposure to. Yes. So yeah. So for example, you can see 9% invested Yeah. in Europe. Europe. You Yep. have, yeah, 5% in Japan, and then you have 8% in Vanguard or Wells. You may have heard of Vanguard Yep. before. They're they're they're quite big. Now Mhmm. this one here does exclude The US. So invest in all around the globe, but excluding The US because you already have exposures to The US in the ISHA's S and P 500. Yes. I see. And Yep. we, yeah, and we wanna make sure you don't have too much in one market Yep. either because we do Yep.","start_word":2003,"end_word":2464,"sentiment":"neutral","sentiment_score":0.04005711162019344},{"text":"wanna diversify things for you. And then at the bottom of that 5%, you can see just fixed interest, that defensive component to limit fluctuations a little bit there for you. So overall, not massive changes. Just literally Yep. changing some of your investments around kind of optimizing things for the future and also what is going on to give you also very well rounded diversified portfolio. Yes. Correct.","start_word":2465,"end_word":2533,"sentiment":"positive","sentiment_score":0.5130135416984558},{"text":"Now in the appendix, if it is that you would like to go and read a little bit more on each of these investments, in the appendix, I have included those investment links. But if it is that you do wanna go and have a read over that, that all the material and everything like that is in there for you, which Right. is one of Yep. those attachments K. before you click in the email. Does that make sense? Yep. Yep. Mhmm.","start_word":2534,"end_word":2616,"sentiment":"neutral","sentiment_score":0.13271969556808472},{"text":"Perfect.","start_word":2617,"end_word":2617,"sentiment":"positive","sentiment_score":0.5019086599349976},{"text":"Now what that actually looks like in terms of the asset allocation is then on page Mhmm. 19. So you can see here you have your risk profile, which is aiming around that 90 to 10 split to growth defensive. You can see your existing portfolio, so about '92 through July, and then the Mhmm. proposed, which is about $93.81 to $6.19. So they are both very much closely aligned to your to your high growth Mhmm. portfolio there for you. Slightly more in your growth, not by much, though. Yep. Yeah. Yeah. Yeah. Yeah.","start_word":2618,"end_word":2712,"sentiment":"neutral","sentiment_score":0.13868294656276703},{"text":"Perfect.","start_word":2713,"end_word":2713,"sentiment":"positive","sentiment_score":0.5019498467445374},{"text":"Now what I have also done for you is on the page 20, I have Yep. included a bit of a retirement income calculator Mhmm. for you just to give you a bit of a just bit of an update on how things are potentially tracking as well. And aiming for that weekly income of around $1,500 per week when you turn Yep. 65. So, basically, Yep. what's this one here so it also works in a little bit more conservative rate after 60 if you do wanna look at potentially reducing the risk a little bit. So before Right. 60, we've used that the high growth return, but then after 60, just to have a little bit more conservative for you, we've just kind I of see. used a a balanced portfolio just to kind of show you because often Yep. people do wanna slightly start reducing risk Yep. as they get older as well. So just to show you, now what this looks like as well is the the green is then you drawing an income from superannuation from the age of Mhmm. 65, how that kind of lasts. And then from 79, where you can see the kind of the blue is Yes. then where Correct. you could Mhmm. potentially supplement a bit of age pension as well. So, obviously, as you draw income from your super, if you draw more, then, obviously, the returns are making for you, it's going to go down gradually, obviously, the older you get. But then you are potentially able to get a bit of a partial age pension from about 79 because you do have Right. plenty of super before then as well to kind of help you get through. Okay. And that would still kind of get you through about 91, Right. and Okay. then it it will be a potential age pension from there. So it's Yeah. obviously a bit of a a rough guide there for you, but it does Yeah. often show you, okay. Well, what we are doing, I'm I'm kind of on track to do what I want to do for retirement anyway. Yeah. Got it. Yep. Yep.","start_word":2714,"end_word":3077,"sentiment":"neutral","sentiment_score":0.20590158379994905},{"text":"Perfect. That makes Yes.","start_word":3078,"end_word":3081,"sentiment":"positive","sentiment_score":0.4475464820861816},{"text":"Yeah. sense. Yeah. Yeah. Yep. Yep. Yep.","start_word":3082,"end_word":3088,"sentiment":"neutral","sentiment_score":0.22000448405742645},{"text":"Perfect.","start_word":3089,"end_word":3089,"sentiment":"positive","sentiment_score":0.4640710949897766},{"text":"Now the last thing I do wanna touch on briefly, again, is just a remuneration. Now there is no changes, like I mentioned, in the annual review through the fee structure. It stays exactly the same at 1.65. Now I Yep. have also, just for compliance purposes, included the the premium for your insurances. So with insurances, we do get commissions. That is 22% of the premium ongoing. But that Yep. is Zurich, your insurer paying us.","start_word":3090,"end_word":3166,"sentiment":"neutral","sentiment_score":0.1674272029043792},{"text":"It is not you paying us at all.","start_word":3167,"end_word":3174,"sentiment":"negative","sentiment_score":-0.3980778455734253},{"text":"Yep. It's I the see. same for every single insurer out there, so it does not Yeah. sway Yeah. us in any way to, like, recommend one provider over the other. Yep. But for Yep. compliance purposes, we have to disclose it so that you are fully aware. Does that all make sense, or do you have any questions in regards to any No. of No. that? No. That's No. that's that's Beautiful.","start_word":3175,"end_word":3247,"sentiment":"neutral","sentiment_score":-0.006442357320338488},{"text":"fine.","start_word":3248,"end_word":3248,"sentiment":"positive","sentiment_score":0.34029948711395264},{"text":"So, essentially, from here, I see them scroll Yep. through. It just kind of recaps everything, how to implement the advice. So, basically, from here is if you are happy to go ahead with the investment change, From here, it would be for you to sign the document. Mhmm. You Yep. can do it all digitally. Just add a signature and a date. That Yep.","start_word":3249,"end_word":3313,"sentiment":"neutral","sentiment_score":0.17179016768932345},{"text":"will then send it back to me, and I will let the team know that you are happy to go ahead with the change.","start_word":3314,"end_word":3337,"sentiment":"positive","sentiment_score":0.4195949137210846},{"text":"But if Sure.","start_word":3338,"end_word":3340,"sentiment":"neutral","sentiment_score":0.25401565432548523},{"text":"you did wanna take some time and have a read over everything as well, you are more than welcome to do that.","start_word":3341,"end_word":3362,"sentiment":"positive","sentiment_score":0.3614565134048462},{"text":"Yep. And that that all seems to seems to make sense. Yep.","start_word":3363,"end_word":3374,"sentiment":"neutral","sentiment_score":0.27960383892059326},{"text":"Perfect.","start_word":3375,"end_word":3375,"sentiment":"positive","sentiment_score":0.4695518910884857},{"text":"Yeah. So signing what? Page 26. Is that right? It should automatically, when you press start or sign, take you to where to sign. But, yes, page 26, it should have a signature box and a date. Now Yep. sometimes there is it won't let you get further if there's, like, a little text box. Does do you have that error? Or there's, like, a little text box? There is a big text box. Yes. So what Yep. do I do? Like type NA or something like that? It's a very Correct. large text Yep. box. Yeah. It is there if you did wanted to make any changes. It allows you Oh, I to see. type to type Yeah. anything. Yes. Yeah. But if not, yeah, just n a full stop. That's Yep. fine, and then it will let you kind of submit everything after that. Okay. I think that is the reading. Hello, that I And can it send. should say, yep, it should say validate. Now this document as well, it will be saved into your DocuSign folder as well. So if you do wanna have access to emails later and have a look at it, it's all there. Sure. If you do Yep. have any issues at all, we always keep a copy on file as well.","start_word":3376,"end_word":3595,"sentiment":"neutral","sentiment_score":0.10209760633720592},{"text":"I'm more than welcome to email Yep. that to you if you do ever want any of that. Yep. Correct. But I can see here, James, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these investment changes for you. And do you have any other changes for you.","start_word":3596,"end_word":3659,"sentiment":"positive","sentiment_score":0.5730551481246948},{"text":"And do you have any other questions or need anything else from me otherwise before I Yeah.","start_word":3660,"end_word":3676,"sentiment":"neutral","sentiment_score":0.19511891901493073},{"text":"let Look, you go and I enjoy I the mean, rest of the your the afternoon?","start_word":3677,"end_word":3692,"sentiment":"positive","sentiment_score":0.4871326684951782},{"text":"only other thing that I sort of I was wanting to run by, which is sort of touched Mhmm. on at the beginning of that document, Since we had that initial review, I've then had a bit more of a follow-up with Accru Real Estate, who are the people Yep. that my other property is is through, and we Yes. went into a bit more detail with the self managed super fund The refund? Yes. and, you know, looked at property, and I had basically said I was waiting on tonight's Yes. meeting with you Yes. Yeah. to to decide whether to go ahead. I I I still think I am erring towards not doing anything, and certainly what Yep. you've presented would seem to reinforce that. I think, you know, Yep. the amount of time and and the risk at this stage is probably not something I'm wanting to, you know, look into, I To suppose. go down. Yeah. So it was basically just to reinforce that advice that Okay. I that I should should stay, Done. you Yeah. know, with hub twenty four, keep Yep. all the money there rather than looking into buying another a second property or actually a third property, Yep. you know, with with that. So I just wanted With this. to check I suppose double double check that with you. Yes.","start_word":3693,"end_word":3920,"sentiment":"neutral","sentiment_score":-0.034267304465174675},{"text":"And I would agree with that very much, especially with everything that's changing with the rules after the budget and everything as well.","start_word":3921,"end_word":3943,"sentiment":"positive","sentiment_score":0.36982184648513794},{"text":"Yeah.","start_word":3944,"end_word":3944,"sentiment":"neutral","sentiment_score":0.2687340974807739},{"text":"And kind of like we touched on last time, a a self assessment can be great for a lot of people.","start_word":3945,"end_word":3965,"sentiment":"positive","sentiment_score":0.3599730432033539},{"text":"Yeah. Most of the time, it is for property purchases that people do it as Yes. well or Yeah. or Yeah. businesses and stuff like that. But it does come with a lot more legislation, a lot more responsibility Yeah. on yourself. Yeah. And often when we do look at it as well, yes, property prices have kind of gone through the the roof lately as well, but it does put kind of everything into the one basket as well unless you are looking I see. at kind Yeah. of changing Yeah. Yeah. things. That makes sense. And, yeah, and from, like, a liquidity point of view, so if you needed to access your money quickly, but for some reason, like, if if you were to have an accident or you can't Of work course. and you I get see. tapered Yep. data or something like that, it's it's quite easy for us to sell some of your investment. Now some takes a little bit longer, but some, very quickly, you could get access to that money. Obviously, with the property, everything is looked into the property and obviously going through that whole kind of settlement and stuff like that. So it Yep. does make it Yep. a little bit trickier from that side of it, and everything is then into one single market. So if it is that there is a bit of a property crash or anything like that, everything is into the I one see. bucket, Yes. Okay. I see. Yep. which is not as kind of diverse diversified as, obviously, the investments we just kind of went through especially with everything that is going on Yeah. Yep. around the No. I globe understand and that. everything. So Yeah. No. And I and think I think that's sort of yeah. yeah. Yeah. But, look, Yeah. there's always something if you ever want to revisit it or if at any point you go, no. No. I really do want to look at it. We can always reassess that we can reassess in a couple Yep. of months or six months or next under review to be like, okay. Where where are the rules? What's changing? How's your Yep. life? Where are you super at? And we Yeah. can always always look at it. It doesn't have to be an under review time as well. It can be any time during the year as well if you Yep. do ever wanna look at it. But I think from what we've kind of spoken about, I think what you were doing now, I would suggest we'll put you in a better position than looking Yep. at Okay. the the sales manager super fund from what you you're telling me with your goals and everything like that. Yeah. Yeah.","start_word":3966,"end_word":4433,"sentiment":"neutral","sentiment_score":-0.020693264929498103},{"text":"Great.","start_word":4434,"end_word":4434,"sentiment":"positive","sentiment_score":0.3467836380004883},{"text":"Okay.","start_word":4435,"end_word":4435,"sentiment":"neutral","sentiment_score":0.23067083954811096},{"text":"That's Yep. really good to know. Fantastic.","start_word":4436,"end_word":4442,"sentiment":"positive","sentiment_score":0.4529793858528137},{"text":"No. But it is a good question, though, and it is definitely a popular topic for a lot of people. Yeah. Yeah. But, yes, if you do have any further questions in regards to it or if you did wanted to talk more about it at any point in time, just give me a call or send me an email, and we can always book Yep. you booked in for another catch up as well to talk more about Great.","start_word":4443,"end_word":4522,"sentiment":"neutral","sentiment_score":0.17006655037403107},{"text":"Fantastic. it. Yep. Beautiful. Alright. Excellent. Thank you. That's all good news. Thank you very Well, much.","start_word":4523,"end_word":4539,"sentiment":"positive","sentiment_score":0.6213122606277466},{"text":"no. No problem. I will let you go. And are you watching the State of Origin tonight, or you're not really a I I'm a not too I'm much off of to a fan? the off after the not really a fan. I'm off to the theater tonight down here.","start_word":4540,"end_word":4589,"sentiment":"neutral","sentiment_score":-0.05889476954936981},{"text":"Oh, So lovely. Oh, wonderful. yeah. Well, Yeah. I will let you go and enjoy your theater.","start_word":4590,"end_word":4606,"sentiment":"positive","sentiment_score":0.5671634674072266},{"text":"If you need anything else, Thank James, you. just let me know.","start_word":4607,"end_word":4618,"sentiment":"neutral","sentiment_score":0.2420446276664734},{"text":"Thanks. Really appreciate it, Veronica. Thank you. No problem at all.","start_word":4619,"end_word":4629,"sentiment":"positive","sentiment_score":0.6092049479484558},{"text":"We'll speak Take soon. care.","start_word":4630,"end_word":4634,"sentiment":"neutral","sentiment_score":0.21062475442886353},{"text":"Thanks.","start_word":4635,"end_word":4635,"sentiment":"positive","sentiment_score":0.5314345359802246},{"text":"Okay. Bye. You too. Bye. Bye.","start_word":4636,"end_word":4641,"sentiment":"neutral","sentiment_score":0.2151506394147873}],"average":{"sentiment":"neutral","sentiment_score":0.12459844167838892}}}}