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I got this error on my phone system saying there was no SIP trunk. I don't know what a SIP trunk is, but it seems like it needed it. So I just closed my phone system and reopened it to see if restarting it might work, and that seems to have done the trick. So I do apologize about that. Yeah. You're right. I tried to sort of call you back fairly quickly because our phones don't actually open till 08:30 Queensland time, so you can't get through. So I tried to sort of call back fairly quickly to save you trying to get through on a phone system that won't call through, essentially. Yeah. And it didn't work. Yeah. No. That's all good. Alright. That's okay. That's... I'll double check with the team and see what they sent out. I should be able to find the email that was sent, and I'll have a bit of a look at it and see what they put on there, but that's absolutely perfect. That's all good. Where we sort of left off before was around page number 14. Yep. That's page 11. Yeah. Yep. Mhmm. Yep. Yep. Yep. Yes. Sort of. So, essentially, the the total at the very bottom is $7,589.97. That is how much the insurer actually receives for the premium. However, you get a 15% rebate called a little bit of a discount, essentially. So the amount that you've actually paid for that policy is $6,755.99. The reason for that is that the premium cannot actually leave the super system. So the way it works, and this is a little bit convoluted. I'm very sorry. Essentially, it moves its road from your super fund over to the super fund held with a sender, and that's because the premium is not allowed to leave the super system in any which way. So the premiums are actually paid to the insurer through a super fund. That way, the money stays in the super system. However, money, when it is moved in the way of a contribution, it is a tax of 15 percent. So instead of them rolling over the full 7,589 and then putting 15% back in your super fund, they essentially give you a discount and just roll over the amount minus that fifth... 15%, say, discount or rebate. So you actually pay a little bit less for the premium than what they have told you you are going to pay. The Superfund receives the full amount. It's just that you're getting a slight discount on that, which is a positive thing. Yeah. It absolutely is. Yeah. That's why I definitely wanna have these loadings reviewed for you because, essentially, these policies do go through a renewal every year. As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on. But it also means the policy gets more and more expensive over time as well. And because this is paid out of your super fund, that has an effect on your super long term. So it's about trying to make sure you've got the right level of cover that suits you, but that you're not paying the premiums and not eating away all of your soup at the same time. Yeah. Yeah. Yep. It's up to you. If you have questions that you would like to ask about that, you're welcome to do so now. I don't mind. I'm happy to go with, you know, what's important to you. Yeah. Yeah. Yep. Yeah. Mhmm. Yep. Yep. Yep. No. I've Let me... Yeah. Yep. No. That's okay. So what the... What... That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy. So, essentially, what the insurer will do when they receive that application back is they're going back to have a look at what was disclosed at the time of the application. They're gonna look at, you know, the heart murmur and the documents provided, but they're also then going to probably request doctor's reports and or they may ask you to go and see a doctor and have maybe an updated test or have an updated appointment to to make sure that there's nothing ongoing there for you. Essentially, they're not rewriting the whole application. They're just assessing that loading. So with the insurance, as long as everything at the time of the application was disclosed correctly and there's nothing that they're gonna find at the time application that should have been added or was nondisclosed, then they can't go, hey. Well, four years after this application was put into place, you started having mental health issues. They can't then add a mental health exclusion for that policy. They're essentially looking at what was accurate at the application. If your health changes over time, then that's understandable. That absolutely happens, but they then... They're not rewriting the... They're not reunderwriting the entire policy. They're just looking at the exclusion and the reason for behind the exclusion and to whether they can reduce the exclusion. Essentially, insurance contracts are... They're guaranteed renewable, and this essentially means that once an insurer issues a retail life CPD or income protection policy, it's typically a guaranteed renewal. This means that they can't can't go back and add worse terms to the policy or cancel your policy or add new exclusions just because your health changes or just because you've asked for a review of that. They have to go back and assess the contract at the time of the application, what your health looks like, and is there any changes to your health more with regard to the loading, that means that they can reduce the loading. There is a chance they come back and go, hey. We're not gonna reduce the loading. Unfortunately, doctor's report show that this is still appropriate. We're gonna keep it on there, and that's, you know, a chance that we take. But I know you've had some mental health since then, and things have definitely changed for you. But, you know, having mental health four or five years down the track because we're not underwriting the entire thing, we're just assessing the loading. They can't then come back and go, hey. You have mental health after that. We're now gonna add a mental health exclusion that doesn't work for the... What the policy is. That's not what we're looking at, and that's not what the document's asking them to do. So they should not definitely do that. We will obviously follow it through very carefully, but we've ticked the the areas and followed through the sections that say we wanna review the loading, and that's all we're gonna ask them to do, essentially. Does that answer your question? Yeah. Oh, absolutely. And that is a big document. It's used for several different things. So you're probably looking through the pages going, wow. There's a lot here. That's okay. Oh, beautiful. Beautiful. Excellent. I'll get Caden to download that one and send it off to a sender today, and I'll make... I'll get him to write a little blurb that we are just reviewing the loading for this particular reason and get them to him. He'll follow that through for you and give you updates, and so we'll see how we go with that. Okay. That's okay. Not a problem at all. Is there any other questions in relation to that, or is there any other questions or concerns at the moment? Yeah. Sure. Mhmm. Yeah. Mhmm. Yes. Mhmm. Yes. Absolutely. Yeah. Yep. Yep. Mhmm. Yeah. Absolutely. And that's the biggest risk we take with insurances is that we pay the premiums and we have that level of cover, and then we get to retirement, and we've never actually claimed on it. And they just cancel or we cancel them, and we don't get anything back from any of the premiums that we've paid. And that's definitely the biggest risk with all insurances that we do tend to have. So that is an aspect of it in saying that if... You know, I've done plenty of insurance claims for some of my clients, and, realistically, it's great when they are able to get a successful claim through, but the downside to making a claim is that they've lost something. You know, it could be life insurance where someone's passed away. They've lost a member of their family. TPD where they can never go back to work again, and that can have long term mental health effects on someone when they're especially younger. Income protection. They might be off work for a period of time, and that, again, can have mental health effects there. So that is definitely the biggest the biggest risk we take there. And with these premiums, they are, in my opinion, quite high for what for what they are, for the level of cover you have and the type of cover you have and for your age as well. So it is definitely because that loading is applied there. So having that loading reviewed is a good thing. There is a risk that they may come back and go, hey. No. We're not gonna review the loading. But if they do that, and they give us a reason for that, which they will, we'll be able to go, right. So what do you need to know? When will you review that loading? And we can come back and reassess it. Yeah. I've got your certificate of currency here in front of me as well. It is. Oh, good. It doesn't tell me. It's okay. I do have it sitting on your file. I'm pretty sure it is, but just to make sure that we've got the correct... Yeah. 50% loading. Yeah. So, realistically, 50% would make those, you know, 50% cheaper, would drop the price quite considerably for you. Yeah. Yeah. Yeah. Yep. Yeah. Absolutely. Not a problem at all. If you scroll down for me to page number 14, this is where those recommendations start in place. Beautiful. So, essentially, I had a look at your hub twenty four super fund as well as the other funds out there to sort of see whether we look to move the fund or whether we retain the fund itself. I am recommending we retain hub twenty four. One of the things I do look at when I am looking at, you know, altering or moving the fund is DDT consequences as well. So your super fund, just like you, does pay income tax and capital gains tax. It does a tax return every single year as well. So when we are buying and selling investments, that is a capital gains or does have a capital gains effect on your super fund. So I wanted to look at reducing that as much as possible. The other reason I wanted to look at reducing your main... You know, not having as big a capital gains consequence for yourself, for your fund, is that we're not con... We're not looking at contributions at the moment because you are working sporadically. You're looking at, you know, trying to change jobs. There's a a few different changes in your life occurring at the moment, and you're sort of working through what you wanted to do moving forward. So we've got no real steady contributions going into the fund, so I wasn't able to take into account those contributions going in. So being able to limit the CDT effect means that more money stays invested working harder for you. I've also looked at the fee side of things as well. So I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit. So I am recommending we retain hub twenty four. It is a good fund. There's still nothing wrong with the fund itself. Think of hub twenty four as basically the vehicle. It's like a car. It's getting you from a to b, but what's really gonna make you the returns and get your super working harder is essentially your contributions and also the actual investments within the fund there. So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you. Okay? When you do get contributions going in from your current employer or any additional employers down the track, we'll keep those going into Hub twenty four. And I have recommended an investment switch here for you, and I'll take you through that in a second. Okay? Excellent. Now I'm gonna skip a couple of pages because you'll get to go back and have a really good read of everything there as well. But if I can get you to scroll down for me, just the page number 19, this one has the heading c comparison superannuation. Yep. Beautiful. So this is showing you essentially the recommendations side by side. Essentially, with your current balance as of the time we've prepared the documents sitting at a $186,007.42. Within your current fund, you've got administration fees, investment fees, our ongoing service fee us looking after everything and updating advice, and your insurance premiums at the current level there as well. Underneath that, the investor profile, so you're in a high growth portfolio that has that ninety ten split between 90% growth investments and 10% lower risk defensive investments, that was something that you were fairly happy retaining trying to get greater potential growth down the track there. So we are retaining that risk profile. When we look at how the investments have performed over the past five years, we look at a five year rolling average. And this looks at the last five years and averages out what the returns have looked like for the individual portfolio. This portfolio has averaged about 10.06%. As by no means, a bad return is good when you compound forward. However, some of the investments have under the... Have been underperforming a bit. So we wanted to look at updating and changing your portfolio as times have definitely changed, and they do need to be updated on a regular basis or every so often as well for you. Okay? With the recommended column, we are still recommending you stay within hub twenty four. Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you. So if you look at the differences column there, you'll notice the balance between the current recommended is exactly the same, and there's no CGT consequence. So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments. It essentially evens itself out, so your super fund has zero capital gains consequences from making this change. Yeah. Does that make sense? Do you have any questions? Okay. That's number 19. Yeah. And that's the differences column, so in the table on the top line. Mhmm. Mhmm. Yes. Yeah. So it's actually more giving you a positive gain. Yeah. Yeah. So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455. So that's a gain to you. That's more money that stays invested in your portfolio. That's an advantage of changing the portfolio. It's cheaper and saving new funds. On that page 19, the five year rolling average also shows that this newer investment portfolio has obtained about 11.18%. So over the past five years, it's actually averaged a much greater return, which depending on... And returns are never guaranteed. However, moving forward, if a portfolio has gone through volatility and has seen those kinds of returns over the past, it means that they can obtain that down the track there. So this newer portfolio is cheaper for you, keeps more money invested, has performed much better. And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does. So that is also a positive and a gain there for you. Does that make sense? Yeah. On page number 21, I definitely wanna take you through this because it is a... An interesting page. There's a lot going on on that one, and that you are correct does show the buyers themselves that we essentially attend... Intend on making to be able to switch your portfolio for you. Yeah. So I'll take you through it to make it a little bit easier. But looking at the first line there, the first column shows the investment name. So you've got cybersecurity within your portfolio currently, the APIR code. You don't have to worry too much about that line. That's more for us. That's more just so we know which investments to buy and sell because we use the ticket code or the APIR code to be able to find those investments nice and quickly. Okay? The current weighting, that is the next column. That's how much of each of these investments you have currently within your portfolio. And the current balance is how much of your super balance is invested within that portfolio currently as well. Okay? Buying and selling is the change that we are going to make. So you'll see with cyber security, at the moment, you have eight percent invested in your portfolio. We only wanna hold 6%. So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio. Okay? Beautiful. India has been underperforming a bit there, so we are removing that one from your portfolio completely. So that will go from 5.10 to zero. That will be removed completely out of your portfolio. Okay? The Global Healthcare, that one is a good investment to have. However, it is more of a costly investment. It has been very up and down there, and I found a newer portfolio which has a little bit lower risk and still gives you global access. So I am removing that completely from your portfolio. We've got the S and P 500. Now this is giving you exposure to the top 500 companies on The US market there. You currently have 24.80%. We wanna hold 35%. So that means we're gonna buy a little bit more of that one. So we'll buy the $719,000. Okay. Excellent. We've also got the Raffi. This is the Raffi 200. This is giving you exposure to some of the top 200 companies on the ASX by fundamental weighting, and we have 15.70%. We are removing that from your portfolio because we have found a cheaper way to hold Australian equities, so removing this investment completely for you. We've also got the ban along Australian equities. This investment's been underperforming and holding everyone's portfolio back. So I'm removing it out completely from all the portfolios that I'm working on, especially yours. We don't wanna see underperforming investments, so this one will be fully gone as well. We've then got the JPMorgan Global Research enhanced equity fund. This was a little bit more of an actively managed global fund that has done really well. But one of the things I wanted to look at doing was while keeping a high growth investment portfolio looking to reduce risk in it. So keeping active management with the portfolio does have some active management risk where active managers can underperform. So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you. Okay? Physical gold, this one is still a good investment. Has been a bit up and down this year. We still wanna hold physical gold. Essentially, we only wanna hold 7%. So your current weighting is 7.50. So we're gonna keep it and just sell a little bit of that off and rebalance that back for you. No. No. It's the same as anything else. It's just cementing capital gain. But as with... When we weighed up the capital gains on doing all of these changes, there was zero capital gains effect for your portfolio. So there's no real disadvantage doing that. One of the important things is physical gold doesn't produce income. One of the things I like to look at within portfolios is how we get growth as well as income. Income is dividends that are paid out of the investments, and it's paid to your cash account and then reinvested back into your portfolio for compounding effect. Physical gold doesn't pay any income. Gold and silver and a lot of those commodities like metals, there's no income produced from those. So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains. And that's essentially what we're doing here. You've had a really good gain in the portfolio. We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you. Does that make sense? Yep. Beautiful. Underneath that, you've got the bank hybrids. These are more of a defensive investment, but these are being phased out down down the track by the government. So I'm removing them now rather than holding on till we have to make that change. I would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey. We have a couple of weeks. We have to get you out of this investment. So these investments that... Essentially, the government wants to streamline a lot of the investments. There are a lot of complex complex banking investments out there, and this is one of those. This is sort of like bonds and shares together. It's a... An investment. You're you're putting money into banking products. The banks are then using that money to lend out. They're giving you a return by way of a compound payment or an income payment, but bank hybrids are also traded a little bit like shares as well. So in the great scheme of things, they are defensive in nature. They tend to get a lower rate of return. However, they are a little bit more risky on the side of defensive investments. So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive. Okay? Excellent. We've also got the iShares Europe investment there. Now you don't have any of this in your portfolio currently. This is giving access and exposure to all the 16 European country... Countries there. We wanna hold 9% of this investment. Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there. So we do see it as an area to be invested. We're only holding 9% of your portfolio in here. The MSCI... So the Miski Japan, this is giving you access and exposure to the Japanese market. Essentially, years ago, everyone was surmising China was the place to be. However, Japan has seen some really good growth. And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis. So, essentially, seeing where Japan is, where it is going, and where there's a bit of growth there, it is a really good place to be invested. So we see 5% moved into the Japanese market for you. Underneath that, you've got the Vanguard All World x US investment. Now this is essentially giving you exposure to the entire globe. One of the biggest ways to be able to mitigate risk is to diversify. So invest in lots of different areas, different countries, and different asset classes. The Vanguard or World ex US investment is giving you exposure to essentially the entire globe minus The US today. We don't need The US in there because we have access to the S and P 500 above, but we wanna hold 8% of this investment for you as well. Okay? But because we're removing the Raffy and the Benelon Australian Equities, we still need to see exposure into the Australian share market. And the BetaShares a 200 is what's giving you that. It's essentially giving you exposure to the top 200 companies on the ASX. It is a passively managed investment. It is tracking in indices, and it is a really good place to be. We have seen good exposure to the Australian market, and it is important to have a little bit of exposure in the Australian market as well. We tend to force it with The US, and so whilst we don't tend to get as good returns as what The US does, it is still important to have exposure into the Australian market there. So we'll see 25% invested in that investment for you. Okay? Excellent. And then the last one at the very bottom on the next page there, you've got the iShares core composite bond. Now bonds, this is giving you exposure to both the government as well as corporate bonds. It does also have a little bit of international exposure with debt and other notes and fixed interest, which is great. Essentially, this is more of a defensive investment. So within your portfolio, within a high growth environment, we wanna... Sort of wanna stay between five to 10% invested in defensive investments. Bonds do pay income payments, which gets paid into your cash account, and that does help with the compounding effect there as well. And that's the important thing because we're not able to factor in contributions right now. We wanna make sure that the investments are paying dividends as well. When we look at this newer portfolio, essentially, all of the investments minus the gold will pay dividend and income payments throughout the year, and that will definitely help to provide a bit of income, which can be re... Report back into your portfolio or reinvested for that compounding effect down the track there as well. Okay? Easy. Now that is a lot. I get that. Do you have any questions? Sure. No. Yeah. Yeah. Absolutely. Yeah. Yeah. Absolutely. Most definitely. Yeah. Yeah. And look, your balance isn't bad. You're almost at $200,000 mark, which is great. So your balance is not bad by any means. And as things change... So once we kinda go through and make this change with your portfolio, I'll make sure we catch up in the next few months there to see how it's tracking, and then we'll just keep reviewing things moving forward. If things change with your occupation, if you decide to take on more work and get regular contributions, we can always come back and look at that again and sort of see how that's tracking down the track. If you get a new job, we'll update the advice to reflect changes to your circumstances there. So it's by no means having a bad effect. You are still increasing. You are still getting growth. We just wanna keep that compounding forward. And as we need to make changes to your portfolio, that happens. It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you. Does that make sense? Yeah. That's okay. The only other thing on the bottom there of that same page is your cash account there. So you do have a little bit too much cash sitting there at the moment. I'm gonna take about 3,900 and reinvest that back into your portfolio. We only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you. Yeah. That's okay. The only other thing to kinda go through as on page number 24 is that beneficiary side of things. So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super. They are your children's. They meet the definition of a dependent under the CIS Act. They, unfortunately, don't quite meet the definition of a dependent under the tax act, so they would have to pay tax on the... A portion of the benefit. But it's better to do it this way at the moment and update it when you have a will in place rather than leaving it as it is. Because as I mentioned before, if you would have passed away now and, you know, that benefit was to be paid out, it would have to go to your estate, which is your legal personal representative. Without having a will in place, the money in your estate then has to go through probate. Probate is a legal process where it goes to the court system. Essentially, they go out there and look for beneficiaries. People can come forward and make a claim. There's no guarantees they'll be able to claim on that. However, they can make that claim. And then the court system decides how that's going to be distributed in accordance with the state laws. So it does mean that the people that you want the money directed to may not may not receive it essentially or may not receive the portion that you wanted them to get. So updating that beneficiary nomination to reflect that directly for the time being is appropriate and making sure that your two children are able to claim their portion correctly in the event that you were able to pass away. And when and if you get a will completed, then we can always update that down the track to make it a more tax effective beneficiary for you. Okay? That's okay. I've also got a little bit in there below about doing up a will and power of attorney. We can refer you to a solicitor. Alternatively, if you have a local solicitor that you're comfortable talking to that you would like to seek, you can just go in there, speak to them, find out how much they charge for doing up a will and power of attorney, and then having those sorts of documents done up there. It is really important to have those sorts of things done up. Beneficiary nominations look after your super and your life insurance. But a lot of people look around and go, look. I don't really have very much. But, realistically, if you look around your cars, your savings, your, you know, family heirlooms and things that are important to you, they still need to be directed to the person that you want them to be directed to, and having a will done up is a really important way of doing that. You can also just get a will kit from the post office and fill it out. They're about $30.35 odd dollars. And as long as you fill it out as per the directions, it is a valid will kit. The benefit to having it done through a solicitor is that it... Whilst every will is contestable, it is less contestable. So wills are more likely to be adhered to or go through the court system and be, you know, referenced if they are done through a solicitor and they are done up correctly. Will kits tend to be a little bit more contestable and don't hold up as often. So there are those sorts of advantages to seeking the services of a solicitor, albeit it can be a little bit more expensive to do so. Okay. Yeah. Yeah. It tends to depend on what you need done, but a simple will kit can be done anywhere from, say, 2 to $500. I know mine was a little bit more complex, so it did cost my will, power of attorney, and guardianship documents a bit over 1,000. But, you know, will and power of attorney, if you're just having something very simple, they can normally do anywhere from 2 to $500 simply. You know, a solicitor may charge a little bit more. You could even just, you know, go online, have a look, and do a web inquiry into a a few different local solicitors to see what they might charge just to do a basic will kit to cover you and maybe power of attorney as well. Yeah. Yeah. Easy. The only other section I need to sort of show you is if you go down to page 34 for me... Beautiful. This is just showing you the ongoing... The remuneration side of things. So where there's no implementation or no upfront fees for the advice, that is all part of our services as you've been an ongoing service client. You pay the ongoing service fee, which is estimated in the projection table in here for you as well. And with the Ascendor policy, we do receive ongoing remuneration from them. At the moment, based on 22%, which is the legislative percentage we receive, they pay us $1,486. That has no reflection of our recommendations in any way, shape, or form. What we do is in your best interest to help you meet your goals, and we are going through that process of having your loading reviewed as well, which will make your premium cheaper, which means the amount we receive will also reduce as well. So this is just disclosing how much we receive and how that works there for you, but just making sure you're aware that that has no reflection on my recommendations. I work in your best interest. Okay. Absolutely. Yeah. So the life insurance remuneration's legislated and standardized across the board. It's 66% of the first year's premium and 22% they're ongoing. And it's being standardized because believe it or not, back in the cowboy days, essentially, advisors used to get a 100 to a 110% upfront remuneration from insurance companies. So that was pretty hefty kind of remuneration. It became, you know, a lot of swapping and changing, and a lot of things happened back in those days. And so... Absolutely. And so standardization needed to occur of the remuneration aspect there. So that's why it is 66% of the first year's premium, 22%, they're ongoing. But through the advice document, when you take some time to review it, you'll note that I've got best interest, Judy, in there, so relating my recommendations back to your goals and why this is in your best interest. So the fee side of things isn't the most important for me. It's about making sure things are working harder for you. Okay. Yeah. Excellent. That's basic... That's okay. That is basically everything. I'll let you take that back to have some time to read it over. I know it is a lot first thing in the morning, so take some time to read the document. If you find you have questions, you're welcome to let me know. If you're happy to take the advice and make the changes, we'll just get you to sign and return that back. Implementation wise, how we'll proceed with this is once you sign and return the document back, our team will make the changes within your investment portfolio in your super. They'll do the switch in the back end. You'll probably get emails to say we're making those changes, and then we'll get your beneficiary nominations also sent out to you so they can be updated on your ascender policy. And in the meantime, we'll get that loading reviewed for you on your heart murmur as well. Okay? Yeah. Abs... Yeah. Absolutely. Yeah. Protecting everything else that you've worked so hard for. Absolutely. Yeah. Yeah. Beautiful. Is there any questions that you can think of that you might need answered at the moment there, Jay? Is there anything that's come up in amongst that? No? Beautiful. That's okay. Beautiful. Absolutely. Yeah. Fantastic. Excellent. Thank... My pleasure. Yes. Absolutely. And that's really important. You know, you've worked really hard. You will work really hard. By the time you get to retirement, you've basically worked a lifetime. So making sure that you understand what we're doing, why we're doing it, how we're doing it is really important. I love the educational value of my job, helping you understand what we're doing because no one learns any of this at school. We all have to come out and learn it as adults. But, also, making sure that you're empowered to be able to do things as well is really important to me. So, yeah, I'm glad that I was able to help you with that. Thank you. Oh, thank you. Thank you so much. Easy. Thank you for your time, Jay. I'll let you go. I hope you have a good rest of your day. My pleasure. I'll talk to you soon. Thanks. See you later. 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no. No. I'm so sorry that I don't know what happened there. I do apologize about that. No.\n\nThat's okay. When I tried to call you back, my... I got this error on my phone system saying there was no SIP trunk. I don't know what a SIP trunk is, but it seems like it needed it. So I just closed my phone system and reopened it to see if restarting it might work, and that seems to have done the trick.\n\nSo I do apologize about that. Yeah. You're right. I tried to sort of call you back fairly quickly because our phones don't actually open till 08:30 Queensland time, so you can't get through. So I tried to sort of call back fairly quickly to save you trying to get through on a phone system that won't call through, essentially.\n\nYeah. And it didn't work. Yeah. No. That's all good.\n\nAlright. That's okay. That's... I'll double check with the team and see what they sent out. I should be able to find the email that was sent, and I'll have a bit of a look at it and see what they put on there, but that's absolutely perfect.\n\nThat's all good. Where we sort of left off before was around page number 14. Yep. That's page 11. Yeah.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYes. Sort of. So, essentially, the the total at the very bottom is $7,589.97. That is how much the insurer actually receives for the premium. However, you get a 15% rebate called a little bit of a discount, essentially.\n\nSo the amount that you've actually paid for that policy is $6,755.99. The reason for that is that the premium cannot actually leave the super system. So the way it works, and this is a little bit convoluted. I'm very sorry. Essentially, it moves its road from your super fund over to the super fund held with a sender, and that's because the premium is not allowed to leave the super system in any which way.\n\nSo the premiums are actually paid to the insurer through a super fund. That way, the money stays in the super system. However, money, when it is moved in the way of a contribution, it is a tax of 15 percent. So instead of them rolling over the full 7,589 and then putting 15% back in your super fund, they essentially give you a discount and just roll over the amount minus that fifth... 15%, say, discount or rebate.\n\nSo you actually pay a little bit less for the premium than what they have told you you are going to pay. The Superfund receives the full amount. It's just that you're getting a slight discount on that, which is a positive thing. Yeah. It absolutely is.\n\nYeah. That's why I definitely wanna have these loadings reviewed for you because, essentially, these policies do go through a renewal every year. As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on. But it also means the policy gets more and more expensive over time as well. And because this is paid out of your super fund, that has an effect on your super long term.\n\nSo it's about trying to make sure you've got the right level of cover that suits you, but that you're not paying the premiums and not eating away all of your soup at the same time. Yeah. Yeah. Yep. It's up to you.\n\nIf you have questions that you would like to ask about that, you're welcome to do so now. I don't mind. I'm happy to go with, you know, what's important to you. Yeah. Yeah.\n\nYep. Yeah. Mhmm. Yep. Yep.\n\nYep. No. I've Let me... Yeah. Yep.\n\nNo. That's okay. So what the... What... That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy.\n\nSo, essentially, what the insurer will do when they receive that application back is they're going back to have a look at what was disclosed at the time of the application. They're gonna look at, you know, the heart murmur and the documents provided, but they're also then going to probably request doctor's reports and or they may ask you to go and see a doctor and have maybe an updated test or have an updated appointment to to make sure that there's nothing ongoing there for you. Essentially, they're not rewriting the whole application. They're just assessing that loading. So with the insurance, as long as everything at the time of the application was disclosed correctly and there's nothing that they're gonna find at the time application that should have been added or was nondisclosed, then they can't go, hey.\n\nWell, four years after this application was put into place, you started having mental health issues. They can't then add a mental health exclusion for that policy. They're essentially looking at what was accurate at the application. If your health changes over time, then that's understandable. That absolutely happens, but they then...\n\nThey're not rewriting the... They're not reunderwriting the entire policy. They're just looking at the exclusion and the reason for behind the exclusion and to whether they can reduce the exclusion. Essentially, insurance contracts are... They're guaranteed renewable, and this essentially means that once an insurer issues a retail life CPD or income protection policy, it's typically a guaranteed renewal.\n\nThis means that they can't can't go back and add worse terms to the policy or cancel your policy or add new exclusions just because your health changes or just because you've asked for a review of that. They have to go back and assess the contract at the time of the application, what your health looks like, and is there any changes to your health more with regard to the loading, that means that they can reduce the loading. There is a chance they come back and go, hey. We're not gonna reduce the loading. Unfortunately, doctor's report show that this is still appropriate.\n\nWe're gonna keep it on there, and that's, you know, a chance that we take. But I know you've had some mental health since then, and things have definitely changed for you. But, you know, having mental health four or five years down the track because we're not underwriting the entire thing, we're just assessing the loading. They can't then come back and go, hey. You have mental health after that.\n\nWe're now gonna add a mental health exclusion that doesn't work for the... What the policy is. That's not what we're looking at, and that's not what the document's asking them to do. So they should not definitely do that. We will obviously follow it through very carefully, but we've ticked the the areas and followed through the sections that say we wanna review the loading, and that's all we're gonna ask them to do, essentially.\n\nDoes that answer your question? Yeah. Oh, absolutely. And that is a big document. It's used for several different things.\n\nSo you're probably looking through the pages going, wow. There's a lot here. That's okay. Oh, beautiful. Beautiful.\n\nExcellent. I'll get Caden to download that one and send it off to a sender today, and I'll make... I'll get him to write a little blurb that we are just reviewing the loading for this particular reason and get them to him. He'll follow that through for you and give you updates, and so we'll see how we go with that. Okay.\n\nThat's okay. Not a problem at all. Is there any other questions in relation to that, or is there any other questions or concerns at the moment? Yeah. Sure.\n\nMhmm. Yeah. Mhmm. Yes. Mhmm.\n\nYes. Absolutely. Yeah. Yep. Yep.\n\nMhmm. Yeah. Absolutely. And that's the biggest risk we take with insurances is that we pay the premiums and we have that level of cover, and then we get to retirement, and we've never actually claimed on it. And they just cancel or we cancel them, and we don't get anything back from any of the premiums that we've paid.\n\nAnd that's definitely the biggest risk with all insurances that we do tend to have. So that is an aspect of it in saying that if... You know, I've done plenty of insurance claims for some of my clients, and, realistically, it's great when they are able to get a successful claim through, but the downside to making a claim is that they've lost something. You know, it could be life insurance where someone's passed away. They've lost a member of their family.\n\nTPD where they can never go back to work again, and that can have long term mental health effects on someone when they're especially younger. Income protection. They might be off work for a period of time, and that, again, can have mental health effects there. So that is definitely the biggest the biggest risk we take there. And with these premiums, they are, in my opinion, quite high for what for what they are, for the level of cover you have and the type of cover you have and for your age as well.\n\nSo it is definitely because that loading is applied there. So having that loading reviewed is a good thing. There is a risk that they may come back and go, hey. No. We're not gonna review the loading.\n\nBut if they do that, and they give us a reason for that, which they will, we'll be able to go, right. So what do you need to know? When will you review that loading? And we can come back and reassess it. Yeah.\n\nI've got your certificate of currency here in front of me as well. It is. Oh, good. It doesn't tell me. It's okay.\n\nI do have it sitting on your file. I'm pretty sure it is, but just to make sure that we've got the correct... Yeah. 50% loading. Yeah.\n\nSo, realistically, 50% would make those, you know, 50% cheaper, would drop the price quite considerably for you. Yeah. Yeah. Yeah. Yep.\n\nYeah. Absolutely. Not a problem at all. If you scroll down for me to page number 14, this is where those recommendations start in place. Beautiful.\n\nSo, essentially, I had a look at your hub twenty four super fund as well as the other funds out there to sort of see whether we look to move the fund or whether we retain the fund itself. I am recommending we retain hub twenty four. One of the things I do look at when I am looking at, you know, altering or moving the fund is DDT consequences as well. So your super fund, just like you, does pay income tax and capital gains tax. It does a tax return every single year as well.\n\nSo when we are buying and selling investments, that is a capital gains or does have a capital gains effect on your super fund. So I wanted to look at reducing that as much as possible. The other reason I wanted to look at reducing your main... You know, not having as big a capital gains consequence for yourself, for your fund, is that we're not con... We're not looking at contributions at the moment because you are working sporadically.\n\nYou're looking at, you know, trying to change jobs. There's a a few different changes in your life occurring at the moment, and you're sort of working through what you wanted to do moving forward. So we've got no real steady contributions going into the fund, so I wasn't able to take into account those contributions going in. So being able to limit the CDT effect means that more money stays invested working harder for you. I've also looked at the fee side of things as well.\n\nSo I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit. So I am recommending we retain hub twenty four. It is a good fund. There's still nothing wrong with the fund itself. Think of hub twenty four as basically the vehicle.\n\nIt's like a car. It's getting you from a to b, but what's really gonna make you the returns and get your super working harder is essentially your contributions and also the actual investments within the fund there. So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you. Okay? When you do get contributions going in from your current employer or any additional employers down the track, we'll keep those going into Hub twenty four.\n\nAnd I have recommended an investment switch here for you, and I'll take you through that in a second. Okay? Excellent. Now I'm gonna skip a couple of pages because you'll get to go back and have a really good read of everything there as well. But if I can get you to scroll down for me, just the page number 19, this one has the heading c comparison superannuation.\n\nYep. Beautiful. So this is showing you essentially the recommendations side by side. Essentially, with your current balance as of the time we've prepared the documents sitting at a $186,007.42. Within your current fund, you've got administration fees, investment fees, our ongoing service fee us looking after everything and updating advice, and your insurance premiums at the current level there as well.\n\nUnderneath that, the investor profile, so you're in a high growth portfolio that has that ninety ten split between 90% growth investments and 10% lower risk defensive investments, that was something that you were fairly happy retaining trying to get greater potential growth down the track there. So we are retaining that risk profile. When we look at how the investments have performed over the past five years, we look at a five year rolling average. And this looks at the last five years and averages out what the returns have looked like for the individual portfolio. This portfolio has averaged about 10.06%.\n\nAs by no means, a bad return is good when you compound forward. However, some of the investments have under the... Have been underperforming a bit. So we wanted to look at updating and changing your portfolio as times have definitely changed, and they do need to be updated on a regular basis or every so often as well for you. Okay?\n\nWith the recommended column, we are still recommending you stay within hub twenty four. Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you. So if you look at the differences column there, you'll notice the balance between the current recommended is exactly the same, and there's no CGT consequence. So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments. It essentially evens itself out, so your super fund has zero capital gains consequences from making this change.\n\nYeah. Does that make sense? Do you have any questions? Okay. That's number 19.\n\nYeah. And that's the differences column, so in the table on the top line. Mhmm. Mhmm. Yes.\n\nYeah. So it's actually more giving you a positive gain. Yeah. Yeah. So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455.\n\nSo that's a gain to you. That's more money that stays invested in your portfolio. That's an advantage of changing the portfolio. It's cheaper and saving new funds. On that page 19, the five year rolling average also shows that this newer investment portfolio has obtained about 11.18%.\n\nSo over the past five years, it's actually averaged a much greater return, which depending on... And returns are never guaranteed. However, moving forward, if a portfolio has gone through volatility and has seen those kinds of returns over the past, it means that they can obtain that down the track there. So this newer portfolio is cheaper for you, keeps more money invested, has performed much better. And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does.\n\nSo that is also a positive and a gain there for you. Does that make sense? Yeah. On page number 21, I definitely wanna take you through this because it is a... An interesting page.\n\nThere's a lot going on on that one, and that you are correct does show the buyers themselves that we essentially attend... Intend on making to be able to switch your portfolio for you. Yeah. So I'll take you through it to make it a little bit easier. But looking at the first line there, the first column shows the investment name.\n\nSo you've got cybersecurity within your portfolio currently, the APIR code. You don't have to worry too much about that line. That's more for us. That's more just so we know which investments to buy and sell because we use the ticket code or the APIR code to be able to find those investments nice and quickly. Okay?\n\nThe current weighting, that is the next column. That's how much of each of these investments you have currently within your portfolio. And the current balance is how much of your super balance is invested within that portfolio currently as well. Okay? Buying and selling is the change that we are going to make.\n\nSo you'll see with cyber security, at the moment, you have eight percent invested in your portfolio. We only wanna hold 6%. So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio. Okay? Beautiful.\n\nIndia has been underperforming a bit there, so we are removing that one from your portfolio completely. So that will go from 5.10 to zero. That will be removed completely out of your portfolio. Okay? The Global Healthcare, that one is a good investment to have.\n\nHowever, it is more of a costly investment. It has been very up and down there, and I found a newer portfolio which has a little bit lower risk and still gives you global access. So I am removing that completely from your portfolio. We've got the S and P 500. Now this is giving you exposure to the top 500 companies on The US market there.\n\nYou currently have 24.80%. We wanna hold 35%. So that means we're gonna buy a little bit more of that one. So we'll buy the $719,000. Okay.\n\nExcellent. We've also got the Raffi. This is the Raffi 200. This is giving you exposure to some of the top 200 companies on the ASX by fundamental weighting, and we have 15.70%. We are removing that from your portfolio because we have found a cheaper way to hold Australian equities, so removing this investment completely for you.\n\nWe've also got the ban along Australian equities. This investment's been underperforming and holding everyone's portfolio back. So I'm removing it out completely from all the portfolios that I'm working on, especially yours. We don't wanna see underperforming investments, so this one will be fully gone as well. We've then got the JPMorgan Global Research enhanced equity fund.\n\nThis was a little bit more of an actively managed global fund that has done really well. But one of the things I wanted to look at doing was while keeping a high growth investment portfolio looking to reduce risk in it. So keeping active management with the portfolio does have some active management risk where active managers can underperform. So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you. Okay?\n\nPhysical gold, this one is still a good investment. Has been a bit up and down this year. We still wanna hold physical gold. Essentially, we only wanna hold 7%. So your current weighting is 7.50.\n\nSo we're gonna keep it and just sell a little bit of that off and rebalance that back for you. No. No. It's the same as anything else. It's just cementing capital gain.\n\nBut as with... When we weighed up the capital gains on doing all of these changes, there was zero capital gains effect for your portfolio. So there's no real disadvantage doing that. One of the important things is physical gold doesn't produce income. One of the things I like to look at within portfolios is how we get growth as well as income.\n\nIncome is dividends that are paid out of the investments, and it's paid to your cash account and then reinvested back into your portfolio for compounding effect. Physical gold doesn't pay any income. Gold and silver and a lot of those commodities like metals, there's no income produced from those. So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains. And that's essentially what we're doing here.\n\nYou've had a really good gain in the portfolio. We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you. Does that make sense? Yep. Beautiful.\n\nUnderneath that, you've got the bank hybrids. These are more of a defensive investment, but these are being phased out down down the track by the government. So I'm removing them now rather than holding on till we have to make that change. I would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey. We have a couple of weeks.\n\nWe have to get you out of this investment. So these investments that... Essentially, the government wants to streamline a lot of the investments. There are a lot of complex complex banking investments out there, and this is one of those. This is sort of like bonds and shares together.\n\nIt's a... An investment. You're you're putting money into banking products. The banks are then using that money to lend out. They're giving you a return by way of a compound payment or an income payment, but bank hybrids are also traded a little bit like shares as well.\n\nSo in the great scheme of things, they are defensive in nature. They tend to get a lower rate of return. However, they are a little bit more risky on the side of defensive investments. So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive. Okay?\n\nExcellent. We've also got the iShares Europe investment there. Now you don't have any of this in your portfolio currently. This is giving access and exposure to all the 16 European country... Countries there.\n\nWe wanna hold 9% of this investment. Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there. So we do see it as an area to be invested. We're only holding 9% of your portfolio in here. The MSCI...\n\nSo the Miski Japan, this is giving you access and exposure to the Japanese market. Essentially, years ago, everyone was surmising China was the place to be. However, Japan has seen some really good growth. And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis. So, essentially, seeing where Japan is, where it is going, and where there's a bit of growth there, it is a really good place to be invested.\n\nSo we see 5% moved into the Japanese market for you. Underneath that, you've got the Vanguard All World x US investment. Now this is essentially giving you exposure to the entire globe. One of the biggest ways to be able to mitigate risk is to diversify. So invest in lots of different areas, different countries, and different asset classes.\n\nThe Vanguard or World ex US investment is giving you exposure to essentially the entire globe minus The US today. We don't need The US in there because we have access to the S and P 500 above, but we wanna hold 8% of this investment for you as well. Okay? But because we're removing the Raffy and the Benelon Australian Equities, we still need to see exposure into the Australian share market. And the BetaShares a 200 is what's giving you that.\n\nIt's essentially giving you exposure to the top 200 companies on the ASX. It is a passively managed investment. It is tracking in indices, and it is a really good place to be. We have seen good exposure to the Australian market, and it is important to have a little bit of exposure in the Australian market as well. We tend to force it with The US, and so whilst we don't tend to get as good returns as what The US does, it is still important to have exposure into the Australian market there.\n\nSo we'll see 25% invested in that investment for you. Okay? Excellent. And then the last one at the very bottom on the next page there, you've got the iShares core composite bond. Now bonds, this is giving you exposure to both the government as well as corporate bonds.\n\nIt does also have a little bit of international exposure with debt and other notes and fixed interest, which is great. Essentially, this is more of a defensive investment. So within your portfolio, within a high growth environment, we wanna... Sort of wanna stay between five to 10% invested in defensive investments. Bonds do pay income payments, which gets paid into your cash account, and that does help with the compounding effect there as well.\n\nAnd that's the important thing because we're not able to factor in contributions right now. We wanna make sure that the investments are paying dividends as well. When we look at this newer portfolio, essentially, all of the investments minus the gold will pay dividend and income payments throughout the year, and that will definitely help to provide a bit of income, which can be re... Report back into your portfolio or reinvested for that compounding effect down the track there as well. Okay?\n\nEasy. Now that is a lot. I get that. Do you have any questions? Sure.\n\nNo. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Absolutely. Most definitely. Yeah. Yeah.\n\nAnd look, your balance isn't bad. You're almost at $200,000 mark, which is great. So your balance is not bad by any means. And as things change... So once we kinda go through and make this change with your portfolio, I'll make sure we catch up in the next few months there to see how it's tracking, and then we'll just keep reviewing things moving forward.\n\nIf things change with your occupation, if you decide to take on more work and get regular contributions, we can always come back and look at that again and sort of see how that's tracking down the track. If you get a new job, we'll update the advice to reflect changes to your circumstances there. So it's by no means having a bad effect. You are still increasing. You are still getting growth.\n\nWe just wanna keep that compounding forward. And as we need to make changes to your portfolio, that happens. It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you. Does that make sense? Yeah.\n\nThat's okay. The only other thing on the bottom there of that same page is your cash account there. So you do have a little bit too much cash sitting there at the moment. I'm gonna take about 3,900 and reinvest that back into your portfolio. We only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you.\n\nYeah. That's okay. The only other thing to kinda go through as on page number 24 is that beneficiary side of things. So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super. They are your children's.\n\nThey meet the definition of a dependent under the CIS Act. They, unfortunately, don't quite meet the definition of a dependent under the tax act, so they would have to pay tax on the... A portion of the benefit. But it's better to do it this way at the moment and update it when you have a will in place rather than leaving it as it is. Because as I mentioned before, if you would have passed away now and, you know, that benefit was to be paid out, it would have to go to your estate, which is your legal personal representative.\n\nWithout having a will in place, the money in your estate then has to go through probate. Probate is a legal process where it goes to the court system. Essentially, they go out there and look for beneficiaries. People can come forward and make a claim. There's no guarantees they'll be able to claim on that.\n\nHowever, they can make that claim. And then the court system decides how that's going to be distributed in accordance with the state laws. So it does mean that the people that you want the money directed to may not may not receive it essentially or may not receive the portion that you wanted them to get. So updating that beneficiary nomination to reflect that directly for the time being is appropriate and making sure that your two children are able to claim their portion correctly in the event that you were able to pass away. And when and if you get a will completed, then we can always update that down the track to make it a more tax effective beneficiary for you.\n\nOkay? That's okay. I've also got a little bit in there below about doing up a will and power of attorney. We can refer you to a solicitor. Alternatively, if you have a local solicitor that you're comfortable talking to that you would like to seek, you can just go in there, speak to them, find out how much they charge for doing up a will and power of attorney, and then having those sorts of documents done up there.\n\nIt is really important to have those sorts of things done up. Beneficiary nominations look after your super and your life insurance. But a lot of people look around and go, look. I don't really have very much. But, realistically, if you look around your cars, your savings, your, you know, family heirlooms and things that are important to you, they still need to be directed to the person that you want them to be directed to, and having a will done up is a really important way of doing that.\n\nYou can also just get a will kit from the post office and fill it out. They're about $30.35 odd dollars. And as long as you fill it out as per the directions, it is a valid will kit. The benefit to having it done through a solicitor is that it... Whilst every will is contestable, it is less contestable.\n\nSo wills are more likely to be adhered to or go through the court system and be, you know, referenced if they are done through a solicitor and they are done up correctly. Will kits tend to be a little bit more contestable and don't hold up as often. So there are those sorts of advantages to seeking the services of a solicitor, albeit it can be a little bit more expensive to do so. Okay. Yeah.\n\nYeah. It tends to depend on what you need done, but a simple will kit can be done anywhere from, say, 2 to $500. I know mine was a little bit more complex, so it did cost my will, power of attorney, and guardianship documents a bit over 1,000. But, you know, will and power of attorney, if you're just having something very simple, they can normally do anywhere from 2 to $500 simply. You know, a solicitor may charge a little bit more.\n\nYou could even just, you know, go online, have a look, and do a web inquiry into a a few different local solicitors to see what they might charge just to do a basic will kit to cover you and maybe power of attorney as well. Yeah. Yeah. Easy. The only other section I need to sort of show you is if you go down to page 34 for me...\n\nBeautiful. This is just showing you the ongoing... The remuneration side of things. So where there's no implementation or no upfront fees for the advice, that is all part of our services as you've been an ongoing service client. You pay the ongoing service fee, which is estimated in the projection table in here for you as well.\n\nAnd with the Ascendor policy, we do receive ongoing remuneration from them. At the moment, based on 22%, which is the legislative percentage we receive, they pay us $1,486. That has no reflection of our recommendations in any way, shape, or form. What we do is in your best interest to help you meet your goals, and we are going through that process of having your loading reviewed as well, which will make your premium cheaper, which means the amount we receive will also reduce as well. So this is just disclosing how much we receive and how that works there for you, but just making sure you're aware that that has no reflection on my recommendations.\n\nI work in your best interest. Okay. Absolutely. Yeah. So the life insurance remuneration's legislated and standardized across the board.\n\nIt's 66% of the first year's premium and 22% they're ongoing. And it's being standardized because believe it or not, back in the cowboy days, essentially, advisors used to get a 100 to a 110% upfront remuneration from insurance companies. So that was pretty hefty kind of remuneration. It became, you know, a lot of swapping and changing, and a lot of things happened back in those days. And so...\n\nAbsolutely. And so standardization needed to occur of the remuneration aspect there. So that's why it is 66% of the first year's premium, 22%, they're ongoing. But through the advice document, when you take some time to review it, you'll note that I've got best interest, Judy, in there, so relating my recommendations back to your goals and why this is in your best interest. So the fee side of things isn't the most important for me.\n\nIt's about making sure things are working harder for you. Okay. Yeah. Excellent. That's basic...\n\nThat's okay. That is basically everything. I'll let you take that back to have some time to read it over. I know it is a lot first thing in the morning, so take some time to read the document. If you find you have questions, you're welcome to let me know.\n\nIf you're happy to take the advice and make the changes, we'll just get you to sign and return that back. Implementation wise, how we'll proceed with this is once you sign and return the document back, our team will make the changes within your investment portfolio in your super. They'll do the switch in the back end. You'll probably get emails to say we're making those changes, and then we'll get your beneficiary nominations also sent out to you so they can be updated on your ascender policy. And in the meantime, we'll get that loading reviewed for you on your heart murmur as well.\n\nOkay? Yeah. Abs... Yeah. Absolutely.\n\nYeah. Protecting everything else that you've worked so hard for. Absolutely. Yeah. Yeah.\n\nBeautiful. Is there any questions that you can think of that you might need answered at the moment there, Jay? Is there anything that's come up in amongst that? No? Beautiful.\n\nThat's okay. Beautiful. Absolutely. Yeah. Fantastic.\n\nExcellent. Thank... My pleasure. Yes. Absolutely.\n\nAnd that's really important. You know, you've worked really hard. You will work really hard. By the time you get to retirement, you've basically worked a lifetime. So making sure that you understand what we're doing, why we're doing it, how we're doing it is really important.\n\nI love the educational value of my job, helping you understand what we're doing because no one learns any of this at school. We all have to come out and learn it as adults. But, also, making sure that you're empowered to be able to do things as well is really important to me. So, yeah, I'm glad that I was able to help you with that. Thank you.\n\nOh, thank you. Thank you so much. Easy. Thank you for your time, Jay. I'll let you go.\n\nI hope you have a good rest of your day. My pleasure. I'll talk to you soon. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Oh, no.","start":4.08,"end":6.56,"sentiment":"neutral","sentiment_score":-0.13905078172683716},{"text":"No.","start":6.56,"end":6.7999997,"sentiment":"neutral","sentiment_score":-0.15996769070625305},{"text":"I'm so sorry that I don't know what happened there.","start":6.7999997,"end":8.88,"sentiment":"neutral","sentiment_score":-0.2436884433031082},{"text":"I do apologize about that.","start":8.88,"end":10.5,"sentiment":"neutral","sentiment_score":-0.15312225073575975},{"text":"No.","start":16.815,"end":17.055,"sentiment":"neutral","sentiment_score":-0.18700358271598816}],"sentiment":"neutral","sentiment_score":-0.20145097492556824,"num_words":19,"start":4.08,"end":17.055},{"sentences":[{"text":"That's okay.","start":17.055,"end":17.695,"sentiment":"neutral","sentiment_score":-0.08297282457351685},{"text":"When I tried to call you back, my...","start":17.695,"end":19.295,"sentiment":"neutral","sentiment_score":-0.09116649720817804},{"text":"I got this error on my phone system saying there was no SIP trunk.","start":19.295,"end":22.575,"sentiment":"neutral","sentiment_score":-0.27154691943100523},{"text":"I don't know what a SIP trunk is, but it seems like it needed it.","start":22.575,"end":25.855,"sentiment":"neutral","sentiment_score":-0.19444483717282612},{"text":"So I just closed my phone system and reopened it to see if restarting it might work, and that seems to have done the trick.","start":25.855,"end":33.55,"sentiment":"neutral","sentiment_score":-0.0703776353597641}],"sentiment":"neutral","sentiment_score":-0.14645387406926602,"num_words":64,"start":17.055,"end":33.55},{"sentences":[{"text":"So I do apologize about that.","start":33.55,"end":35.57,"sentiment":"neutral","sentiment_score":-0.16896492863694826},{"text":"Yeah.","start":39.71,"end":40.21,"sentiment":"neutral","sentiment_score":0.004957124590873718},{"text":"You're right.","start":40.43,"end":41.205,"sentiment":"neutral","sentiment_score":0.0925121158361435},{"text":"I tried to sort of call you back fairly quickly because our phones don't actually open till 08:30 Queensland time, so you can't get through.","start":41.285004,"end":48.905003,"sentiment":"neutral","sentiment_score":-0.10924448549747467},{"text":"So I tried to sort of call back fairly quickly to save you trying to get through on a phone system that won't call through, essentially.","start":49.205,"end":55.385002,"sentiment":"neutral","sentiment_score":-0.13716263137757778}],"sentiment":"neutral","sentiment_score":-0.1186858128135403,"num_words":60,"start":33.55,"end":55.385002},{"sentences":[{"text":"Yeah.","start":57.28,"end":57.78,"sentiment":"neutral","sentiment_score":0.03654509037733078},{"text":"And it didn't work.","start":60.239998,"end":61.44,"sentiment":"neutral","sentiment_score":-0.203943882137537},{"text":"Yeah.","start":61.44,"end":61.94,"sentiment":"neutral","sentiment_score":-0.016697829589247704},{"text":"No.","start":63.2,"end":63.44,"sentiment":"neutral","sentiment_score":-0.002821054309606552},{"text":"That's all good.","start":63.44,"end":64.58,"sentiment":"neutral","sentiment_score":0.19226674983898798}],"sentiment":"neutral","sentiment_score":-0.022194907255470752,"num_words":10,"start":57.28,"end":64.58},{"sentences":[{"text":"Alright.","start":72.865,"end":73.365,"sentiment":"neutral","sentiment_score":0.08331838250160217},{"text":"That's okay.","start":81.185,"end":82.005,"sentiment":"neutral","sentiment_score":-0.01582467369735241},{"text":"That's...","start":82.145,"end":82.645,"sentiment":"neutral","sentiment_score":-0.03607949987053871},{"text":"I'll double check with the team and see what they sent out.","start":82.865,"end":85.505,"sentiment":"neutral","sentiment_score":0.08392385548601548},{"text":"I should be able to find the email that was sent, and I'll have a bit of a look at it and see what they put on there, but that's absolutely perfect.","start":85.505,"end":92.1,"sentiment":"neutral","sentiment_score":0.18177492078393698}],"sentiment":"neutral","sentiment_score":0.14248902637821934,"num_words":48,"start":72.865,"end":92.1},{"sentences":[{"text":"That's all good.","start":95.439995,"end":97.06,"sentiment":"positive","sentiment_score":0.40244529644648236},{"text":"Where we sort of left off before was around page number 14.","start":98.159996,"end":101.505,"sentiment":"neutral","sentiment_score":0.02075861704846223},{"text":"Yep.","start":109.66499,"end":110.16499,"sentiment":"neutral","sentiment_score":-0.01558647770434618},{"text":"That's page 11.","start":123.369995,"end":124.75,"sentiment":"neutral","sentiment_score":0.01221099185446898},{"text":"Yeah.","start":124.81,"end":125.31,"sentiment":"neutral","sentiment_score":0.007940098643302917}],"sentiment":"neutral","sentiment_score":0.07427129452116787,"num_words":20,"start":95.439995,"end":125.31},{"sentences":[{"text":"Yep.","start":126.89,"end":127.39,"sentiment":"neutral","sentiment_score":0.012154316529631616},{"text":"Mhmm.","start":130.56999,"end":131.06999,"sentiment":"neutral","sentiment_score":0.004881428554654121},{"text":"Yep.","start":136.91501,"end":137.41501,"sentiment":"neutral","sentiment_score":0.016552885994315147},{"text":"Yep.","start":137.875,"end":138.35501,"sentiment":"neutral","sentiment_score":0.03339148685336113},{"text":"Yep.","start":138.35501,"end":138.85501,"sentiment":"neutral","sentiment_score":0.03436719626188278}],"sentiment":"neutral","sentiment_score":0.02026946283876896,"num_words":5,"start":126.89,"end":138.85501},{"sentences":[{"text":"Yes.","start":145.15001,"end":145.39,"sentiment":"neutral","sentiment_score":0.04293294623494148},{"text":"Sort of.","start":145.39,"end":145.87001,"sentiment":"neutral","sentiment_score":0.040085671469569206},{"text":"So, essentially, the the total at the very bottom is $7,589.97.","start":145.87001,"end":151.39,"sentiment":"neutral","sentiment_score":0.05196147818456997},{"text":"That is how much the insurer actually receives for the premium.","start":151.39,"end":154.77,"sentiment":"neutral","sentiment_score":0.06378778747536919},{"text":"However, you get a 15% rebate called a little bit of a discount, essentially.","start":155.23001,"end":159.785,"sentiment":"neutral","sentiment_score":0.06800446246883698}],"sentiment":"neutral","sentiment_score":0.0602156073332597,"num_words":39,"start":145.15001,"end":159.785},{"sentences":[{"text":"So the amount that you've actually paid for that policy is $6,755.99.","start":159.845,"end":166.505,"sentiment":"neutral","sentiment_score":0.060335294964412846},{"text":"The reason for that is that the premium cannot actually leave the super system.","start":166.725,"end":171.045,"sentiment":"neutral","sentiment_score":-0.11421160399913788},{"text":"So the way it works, and this is a little bit convoluted.","start":171.045,"end":174.13,"sentiment":"neutral","sentiment_score":-0.19646278458336988},{"text":"I'm very sorry.","start":174.13,"end":175.03001,"sentiment":"neutral","sentiment_score":-0.27996059755484265},{"text":"Essentially, it moves its road from your super fund over to the super fund held with a sender, and that's because the premium is not allowed to leave the super system in any which way.","start":175.57,"end":186.13,"sentiment":"neutral","sentiment_score":-0.14243684772934231}],"sentiment":"neutral","sentiment_score":-0.11917978677114374,"num_words":76,"start":159.845,"end":186.13},{"sentences":[{"text":"So the premiums are actually paid to the insurer through a super fund.","start":186.13,"end":190.825,"sentiment":"neutral","sentiment_score":0.035068147171002165},{"text":"That way, the money stays in the super system.","start":191.125,"end":193.30501,"sentiment":"neutral","sentiment_score":0.0629743163784345},{"text":"However, money, when it is moved in the way of a contribution, it is a tax of 15 percent.","start":193.685,"end":200.02501,"sentiment":"neutral","sentiment_score":0.02029017104130042},{"text":"So instead of them rolling over the full 7,589 and then putting 15% back in your super fund, they essentially give you a discount and just roll over the amount minus that fifth...","start":200.6,"end":214.75499,"sentiment":"neutral","sentiment_score":0.11063869150750565},{"text":"15%, say, discount or rebate.","start":214.81499,"end":217.31499,"sentiment":"neutral","sentiment_score":0.06711092367768287}],"sentiment":"neutral","sentiment_score":0.06828860061455376,"num_words":79,"start":186.13,"end":217.31499},{"sentences":[{"text":"So you actually pay a little bit less for the premium than what they have told you you are going to pay.","start":217.375,"end":223.95499,"sentiment":"neutral","sentiment_score":0.2449190616607666},{"text":"The Superfund receives the full amount.","start":224.17499,"end":226.355,"sentiment":"positive","sentiment_score":0.6454300284385681},{"text":"It's just that you're getting a slight discount on that, which is a positive thing.","start":226.55,"end":230.87,"sentiment":"positive","sentiment_score":0.7212041854858399},{"text":"Yeah.","start":230.87,"end":231.37,"sentiment":"positive","sentiment_score":0.379638135433197},{"text":"It absolutely is.","start":233.59,"end":235.03,"sentiment":"positive","sentiment_score":0.40986888607343036}],"sentiment":"positive","sentiment_score":0.4614490873001991,"num_words":47,"start":217.375,"end":235.03},{"sentences":[{"text":"Yeah.","start":235.03,"end":235.27,"sentiment":"neutral","sentiment_score":0.0734398141503334},{"text":"That's why I definitely wanna have these loadings reviewed for you because, essentially, these policies do go through a renewal every year.","start":235.27,"end":241.77,"sentiment":"neutral","sentiment_score":0.23736581748182123},{"text":"As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on.","start":242.355,"end":254.055,"sentiment":"neutral","sentiment_score":0.032071506371721625},{"text":"But it also means the policy gets more and more expensive over time as well.","start":254.55,"end":258.57,"sentiment":"neutral","sentiment_score":-0.3273134768009186},{"text":"And because this is paid out of your super fund, that has an effect on your super long term.","start":258.95,"end":264.39,"sentiment":"negative","sentiment_score":-0.3340779386068645}],"sentiment":"neutral","sentiment_score":-0.055454011043805755,"num_words":89,"start":235.03,"end":264.39},{"sentences":[{"text":"So it's about trying to make sure you've got the right level of cover that suits you, but that you're not paying the premiums and not eating away all of your soup at the same time.","start":264.39,"end":273.88498,"sentiment":"neutral","sentiment_score":-0.1637275531474087},{"text":"Yeah.","start":276.66498,"end":277.16498,"sentiment":"neutral","sentiment_score":0.08279696106910706},{"text":"Yeah.","start":279.38498,"end":279.88498,"sentiment":"neutral","sentiment_score":0.07694879919290543},{"text":"Yep.","start":282.82498,"end":283.23,"sentiment":"neutral","sentiment_score":0.15882930159568787},{"text":"It's up to you.","start":290.03,"end":290.99002,"sentiment":"neutral","sentiment_score":0.18586386367678642}],"sentiment":"neutral","sentiment_score":-0.11237584643585738,"num_words":43,"start":264.39,"end":290.99002},{"sentences":[{"text":"If you have questions that you would like to ask about that, you're welcome to do so now.","start":290.99002,"end":295.39,"sentiment":"neutral","sentiment_score":0.30561831841866177},{"text":"I don't mind.","start":295.39,"end":296.03,"sentiment":"neutral","sentiment_score":0.29420233766237897},{"text":"I'm happy to go with, you know, what's important to you.","start":296.03,"end":299.165,"sentiment":"positive","sentiment_score":0.4162231277335774},{"text":"Yeah.","start":301.70502,"end":302.20502,"sentiment":"neutral","sentiment_score":0.02402453124523163},{"text":"Yeah.","start":304.665,"end":305.165,"sentiment":"neutral","sentiment_score":-0.019814420491456985}],"sentiment":"neutral","sentiment_score":0.32254121353959336,"num_words":34,"start":290.99002,"end":305.165},{"sentences":[{"text":"Yep.","start":309.225,"end":309.72,"sentiment":"neutral","sentiment_score":-0.008817413821816444},{"text":"Yeah.","start":312.04,"end":312.54,"sentiment":"neutral","sentiment_score":-0.02154682949185371},{"text":"Mhmm.","start":318.28,"end":318.78,"sentiment":"neutral","sentiment_score":-0.09638987481594086},{"text":"Yep.","start":334.055,"end":334.41,"sentiment":"neutral","sentiment_score":-0.18875235319137573},{"text":"Yep.","start":344.49,"end":344.99,"sentiment":"negative","sentiment_score":-0.3962674140930176}],"sentiment":"neutral","sentiment_score":-0.14235477708280087,"num_words":5,"start":309.225,"end":344.99},{"sentences":[{"text":"Yep.","start":345.53,"end":346.03,"sentiment":"neutral","sentiment_score":-0.24610882997512817},{"text":"No.","start":346.97,"end":347.21,"sentiment":"negative","sentiment_score":-0.37640735507011414},{"text":"I've Let me...","start":347.21,"end":348.785,"sentiment":"neutral","sentiment_score":-0.3216172158718109},{"text":"Yeah.","start":356.845,"end":357.085,"sentiment":"neutral","sentiment_score":-0.10014916956424712},{"text":"Yep.","start":357.085,"end":357.585,"sentiment":"neutral","sentiment_score":-0.10803185403347015}],"sentiment":"neutral","sentiment_score":-0.2565069794654846,"num_words":7,"start":345.53,"end":357.585},{"sentences":[{"text":"No.","start":363.91,"end":364.22998,"sentiment":"negative","sentiment_score":-0.37896865606307983},{"text":"That's okay.","start":364.22998,"end":364.78998,"sentiment":"neutral","sentiment_score":-0.20317380130290985},{"text":"So what the...","start":364.78998,"end":365.59,"sentiment":"neutral","sentiment_score":-0.06482192501425743},{"text":"What...","start":365.59,"end":366.06998,"sentiment":"neutral","sentiment_score":-0.05392445623874664},{"text":"That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy.","start":366.06998,"end":374.56998,"sentiment":"neutral","sentiment_score":-0.29612105497808167}],"sentiment":"neutral","sentiment_score":-0.27014253260567783,"num_words":40,"start":363.91,"end":374.56998},{"sentences":[{"text":"So, essentially, what the insurer will do when they receive that application back is they're going back to have a look at what was disclosed at the time of the application.","start":374.71,"end":384.345,"sentiment":"neutral","sentiment_score":-0.11286444601512724},{"text":"They're gonna look at, you know, the heart murmur and the documents provided, but they're also then going to probably request doctor's reports and or they may ask you to go and see a doctor and have maybe an updated test or have an updated appointment to to make sure that there's nothing ongoing there for you.","start":385.285,"end":403.62,"sentiment":"neutral","sentiment_score":-0.12325721299439146},{"text":"Essentially, they're not rewriting the whole application.","start":404.685,"end":407.905,"sentiment":"negative","sentiment_score":-0.35422760035310474},{"text":"They're just assessing that loading.","start":408.045,"end":410.125,"sentiment":"neutral","sentiment_score":-0.15464980006217957},{"text":"So with the insurance, as long as everything at the time of the application was disclosed correctly and there's nothing that they're gonna find at the time application that should have been added or was nondisclosed, then they can't go, hey.","start":410.125,"end":423.02,"sentiment":"neutral","sentiment_score":-0.28341358609315825}],"sentiment":"neutral","sentiment_score":-0.180122398579797,"num_words":141,"start":374.71,"end":423.02},{"sentences":[{"text":"Well, four years after this application was put into place, you started having mental health issues.","start":423.02,"end":427.68,"sentiment":"negative","sentiment_score":-0.46790787763893604},{"text":"They can't then add a mental health exclusion for that policy.","start":427.98,"end":430.96,"sentiment":"negative","sentiment_score":-0.4541085497899489},{"text":"They're essentially looking at what was accurate at the application.","start":431.42,"end":435.255,"sentiment":"neutral","sentiment_score":-0.31915909647941587},{"text":"If your health changes over time, then that's understandable.","start":435.635,"end":439.33502,"sentiment":"neutral","sentiment_score":-0.24997806549072266},{"text":"That absolutely happens, but they then...","start":439.635,"end":441.655,"sentiment":"neutral","sentiment_score":-0.13729895278811455}],"sentiment":"negative","sentiment_score":-0.36051744924714935,"num_words":52,"start":423.02,"end":441.655},{"sentences":[{"text":"They're not rewriting the...","start":441.715,"end":443.095,"sentiment":"neutral","sentiment_score":-0.14527621120214462},{"text":"They're not reunderwriting the entire policy.","start":443.39502,"end":445.715,"sentiment":"neutral","sentiment_score":-0.2529500226179759},{"text":"They're just looking at the exclusion and the reason for behind the exclusion and to whether they can reduce the exclusion.","start":445.715,"end":452.01,"sentiment":"neutral","sentiment_score":-0.2146862064089094},{"text":"Essentially, insurance contracts are...","start":452.63,"end":455.11,"sentiment":"neutral","sentiment_score":-0.08583423402160406},{"text":"They're guaranteed renewable, and this essentially means that once an insurer issues a retail life CPD or income protection policy, it's typically a guaranteed renewal.","start":455.11,"end":465.005,"sentiment":"neutral","sentiment_score":0.008090385720133781}],"sentiment":"neutral","sentiment_score":-0.11247154346977671,"num_words":60,"start":441.715,"end":465.005},{"sentences":[{"text":"This means that they can't can't go back and add worse terms to the policy or cancel your policy or add new exclusions just because your health changes or just because you've asked for a review of that.","start":465.005,"end":477.81,"sentiment":"neutral","sentiment_score":-0.19276367621128693},{"text":"They have to go back and assess the contract at the time of the application, what your health looks like, and is there any changes to your health more with regard to the loading, that means that they can reduce the loading.","start":478.05,"end":491.43,"sentiment":"neutral","sentiment_score":-0.08307999802664631},{"text":"There is a chance they come back and go, hey.","start":491.505,"end":493.42502,"sentiment":"neutral","sentiment_score":-0.10419359728693962},{"text":"We're not gonna reduce the loading.","start":493.42502,"end":494.945,"sentiment":"neutral","sentiment_score":-0.18637333810329437},{"text":"Unfortunately, doctor's report show that this is still appropriate.","start":494.945,"end":498.085,"sentiment":"neutral","sentiment_score":-0.3183691981765959}],"sentiment":"neutral","sentiment_score":-0.150855984745015,"num_words":105,"start":465.005,"end":498.085},{"sentences":[{"text":"We're gonna keep it on there, and that's, you know, a chance that we take.","start":498.14502,"end":501.765,"sentiment":"neutral","sentiment_score":-0.0939070018629233},{"text":"But I know you've had some mental health since then, and things have definitely changed for you.","start":502.545,"end":507.85,"sentiment":"neutral","sentiment_score":-0.05350778164232478},{"text":"But, you know, having mental health four or five years down the track because we're not underwriting the entire thing, we're just assessing the loading.","start":507.85,"end":515.15,"sentiment":"neutral","sentiment_score":-0.11695387065410615},{"text":"They can't then come back and go, hey.","start":515.69,"end":517.71,"sentiment":"neutral","sentiment_score":-0.1754106990993023},{"text":"You have mental health after that.","start":517.77,"end":519.29004,"sentiment":"neutral","sentiment_score":-0.2201071878274282}],"sentiment":"neutral","sentiment_score":-0.11219736340809876,"num_words":71,"start":498.14502,"end":519.29004},{"sentences":[{"text":"We're now gonna add a mental health exclusion that doesn't work for the...","start":519.29004,"end":522.935,"sentiment":"neutral","sentiment_score":-0.21138623356819153},{"text":"What the policy is.","start":522.935,"end":523.815,"sentiment":"neutral","sentiment_score":-0.14629512280225754},{"text":"That's not what we're looking at, and that's not what the document's asking them to do.","start":523.815,"end":528.215,"sentiment":"neutral","sentiment_score":-0.2424937952309847},{"text":"So they should not definitely do that.","start":528.215,"end":530.075,"sentiment":"negative","sentiment_score":-0.3884466758796147},{"text":"We will obviously follow it through very carefully, but we've ticked the the areas and followed through the sections that say we wanna review the loading, and that's all we're gonna ask them to do, essentially.","start":530.935,"end":541.7,"sentiment":"neutral","sentiment_score":-0.018561517011322495}],"sentiment":"neutral","sentiment_score":-0.13947952098494984,"num_words":76,"start":519.29004,"end":541.7},{"sentences":[{"text":"Does that answer your question?","start":541.76,"end":543.22003,"sentiment":"neutral","sentiment_score":0.004085011035203934},{"text":"Yeah.","start":544.96,"end":545.46,"sentiment":"neutral","sentiment_score":0.025070112198591232},{"text":"Oh, absolutely.","start":553.365,"end":555.065,"sentiment":"neutral","sentiment_score":0.06401068717241287},{"text":"And that is a big document.","start":555.285,"end":556.745,"sentiment":"neutral","sentiment_score":0.04810310217241446},{"text":"It's used for several different things.","start":556.805,"end":559.045,"sentiment":"neutral","sentiment_score":0.048651654894153275}],"sentiment":"neutral","sentiment_score":0.03770225420594216,"num_words":20,"start":541.76,"end":559.045},{"sentences":[{"text":"So you're probably looking through the pages going, wow.","start":559.045,"end":561.445,"sentiment":"neutral","sentiment_score":0.047573938965797424},{"text":"There's a lot here.","start":561.445,"end":562.505,"sentiment":"neutral","sentiment_score":0.04883950017392635},{"text":"That's okay.","start":565.79,"end":566.69,"sentiment":"neutral","sentiment_score":0.06270921602845192},{"text":"Oh, beautiful.","start":568.59,"end":569.17,"sentiment":"neutral","sentiment_score":0.23695671558380127},{"text":"Beautiful.","start":572.67,"end":573.17,"sentiment":"neutral","sentiment_score":0.25655418634414673}],"sentiment":"neutral","sentiment_score":0.08218941671980752,"num_words":18,"start":559.045,"end":573.17},{"sentences":[{"text":"Excellent.","start":574.02997,"end":574.52997,"sentiment":"neutral","sentiment_score":0.001749989576637745},{"text":"I'll get Caden to download that one and send it off to a sender today, and I'll make...","start":574.59,"end":578.27,"sentiment":"neutral","sentiment_score":0.19017888026105034},{"text":"I'll get him to write a little blurb that we are just reviewing the loading for this particular reason and get them to him.","start":578.27,"end":584.805,"sentiment":"neutral","sentiment_score":0.16839012720932564},{"text":"He'll follow that through for you and give you updates, and so we'll see how we go with that.","start":584.805,"end":588.96497,"sentiment":"neutral","sentiment_score":0.24392714704337873},{"text":"Okay.","start":588.96497,"end":589.46497,"sentiment":"neutral","sentiment_score":0.21353760361671448}],"sentiment":"neutral","sentiment_score":0.19546803626571857,"num_words":63,"start":574.02997,"end":589.46497},{"sentences":[{"text":"That's okay.","start":591.81,"end":592.52997,"sentiment":"positive","sentiment_score":0.5025365650653839},{"text":"Not a problem at all.","start":592.52997,"end":593.65,"sentiment":"positive","sentiment_score":0.4514122545719147},{"text":"Is there any other questions in relation to that, or is there any other questions or concerns at the moment?","start":593.65,"end":598.47,"sentiment":"neutral","sentiment_score":0.12497014738619328},{"text":"Yeah.","start":601.33,"end":601.83,"sentiment":"neutral","sentiment_score":0.0008060084655880928},{"text":"Sure.","start":602.52997,"end":603.02997,"sentiment":"neutral","sentiment_score":0.003200160339474678}],"sentiment":"neutral","sentiment_score":0.19881184550066447,"num_words":29,"start":591.81,"end":603.02997},{"sentences":[{"text":"Mhmm.","start":609.825,"end":610.325,"sentiment":"neutral","sentiment_score":-0.05245533585548401},{"text":"Yeah.","start":614.305,"end":614.805,"sentiment":"neutral","sentiment_score":-0.2048708498477936},{"text":"Mhmm.","start":618.48004,"end":618.98004,"sentiment":"neutral","sentiment_score":-0.0389113686978817},{"text":"Yes.","start":621.76,"end":622.26,"sentiment":"neutral","sentiment_score":-0.008666601032018661},{"text":"Mhmm.","start":635.405,"end":635.905,"sentiment":"neutral","sentiment_score":-0.11789610981941225}],"sentiment":"neutral","sentiment_score":-0.08456005305051803,"num_words":5,"start":609.825,"end":635.905},{"sentences":[{"text":"Yes.","start":637.085,"end":637.585,"sentiment":"neutral","sentiment_score":-0.13357940316200256},{"text":"Absolutely.","start":641.565,"end":642.065,"sentiment":"neutral","sentiment_score":-0.1316426694393158},{"text":"Yeah.","start":643.31,"end":643.81,"sentiment":"neutral","sentiment_score":-0.14892862737178802},{"text":"Yep.","start":648.75,"end":649.25,"sentiment":"neutral","sentiment_score":-0.166916161775589},{"text":"Yep.","start":654.75,"end":655.095,"sentiment":"neutral","sentiment_score":-0.042680468410253525}],"sentiment":"neutral","sentiment_score":-0.12474946603178978,"num_words":5,"start":637.085,"end":655.095},{"sentences":[{"text":"Mhmm.","start":659.01495,"end":659.51495,"sentiment":"neutral","sentiment_score":-0.05509413406252861},{"text":"Yeah.","start":663.095,"end":663.415,"sentiment":"neutral","sentiment_score":-0.008292902261018753},{"text":"Absolutely.","start":663.415,"end":663.81494,"sentiment":"neutral","sentiment_score":-0.04875658825039864},{"text":"And that's the biggest risk we take with insurances is that we pay the premiums and we have that level of cover, and then we get to retirement, and we've never actually claimed on it.","start":663.81494,"end":672.51,"sentiment":"neutral","sentiment_score":-0.2657002670424325},{"text":"And they just cancel or we cancel them, and we don't get anything back from any of the premiums that we've paid.","start":672.51,"end":678.93,"sentiment":"negative","sentiment_score":-0.3609244471246546}],"sentiment":"neutral","sentiment_score":-0.2891998467966914,"num_words":60,"start":659.01495,"end":678.93},{"sentences":[{"text":"And that's definitely the biggest risk with all insurances that we do tend to have.","start":679.23,"end":683.14996,"sentiment":"neutral","sentiment_score":-0.30727456013361615},{"text":"So that is an aspect of it in saying that if...","start":683.14996,"end":688.065,"sentiment":"neutral","sentiment_score":0.0021527331661094318},{"text":"You know, I've done plenty of insurance claims for some of my clients, and, realistically, it's great when they are able to get a successful claim through, but the downside to making a claim is that they've lost something.","start":688.065,"end":699.845,"sentiment":"neutral","sentiment_score":-0.01518305792258336},{"text":"You know, it could be life insurance where someone's passed away.","start":700.10004,"end":703.0,"sentiment":"negative","sentiment_score":-0.35122191364114935},{"text":"They've lost a member of their family.","start":703.22003,"end":705.08,"sentiment":"negative","sentiment_score":-0.400071063211986}],"sentiment":"neutral","sentiment_score":-0.14266886853848595,"num_words":83,"start":679.23,"end":705.08},{"sentences":[{"text":"TPD where they can never go back to work again, and that can have long term mental health effects on someone when they're especially younger.","start":705.54004,"end":712.2,"sentiment":"negative","sentiment_score":-0.42827041149139405},{"text":"Income protection.","start":713.075,"end":713.955,"sentiment":"neutral","sentiment_score":-0.18637242913246155},{"text":"They might be off work for a period of time, and that, again, can have mental health effects there.","start":713.955,"end":718.215,"sentiment":"neutral","sentiment_score":-0.28928862825820323},{"text":"So that is definitely the biggest the biggest risk we take there.","start":718.435,"end":722.215,"sentiment":"negative","sentiment_score":-0.37607793261607486},{"text":"And with these premiums, they are, in my opinion, quite high for what for what they are, for the level of cover you have and the type of cover you have and for your age as well.","start":722.275,"end":733.64996,"sentiment":"neutral","sentiment_score":-0.2516105980486483}],"sentiment":"neutral","sentiment_score":-0.3199843831752476,"num_words":95,"start":705.54004,"end":733.64996},{"sentences":[{"text":"So it is definitely because that loading is applied there.","start":733.64996,"end":736.52997,"sentiment":"neutral","sentiment_score":-0.051964807137846944},{"text":"So having that loading reviewed is a good thing.","start":736.52997,"end":739.425,"sentiment":"neutral","sentiment_score":0.2573212716314528},{"text":"There is a risk that they may come back and go, hey.","start":739.505,"end":742.065,"sentiment":"neutral","sentiment_score":-0.2895834570129712},{"text":"No.","start":742.065,"end":742.305,"sentiment":"neutral","sentiment_score":-0.23315772414207456},{"text":"We're not gonna review the loading.","start":742.305,"end":743.825,"sentiment":"neutral","sentiment_score":-0.18162224690119425}],"sentiment":"neutral","sentiment_score":-0.07899077148421814,"num_words":38,"start":733.64996,"end":743.825},{"sentences":[{"text":"But if they do that, and they give us a reason for that, which they will, we'll be able to go, right.","start":743.825,"end":749.02496,"sentiment":"neutral","sentiment_score":-0.08947513083165343},{"text":"So what do you need to know?","start":749.02496,"end":750.46497,"sentiment":"neutral","sentiment_score":-0.028915255197456906},{"text":"When will you review that loading?","start":750.46497,"end":752.08496,"sentiment":"neutral","sentiment_score":-0.020298358363409836},{"text":"And we can come back and reassess it.","start":752.46497,"end":754.725,"sentiment":"neutral","sentiment_score":-0.02415587566792965},{"text":"Yeah.","start":757.64,"end":757.88,"sentiment":"neutral","sentiment_score":0.005034055560827255}],"sentiment":"neutral","sentiment_score":-0.05638324465094642,"num_words":44,"start":743.825,"end":757.88},{"sentences":[{"text":"I've got your certificate of currency here in front of me as well.","start":757.88,"end":761.10004,"sentiment":"neutral","sentiment_score":0.03569365908893255},{"text":"It is.","start":761.4,"end":762.14,"sentiment":"neutral","sentiment_score":0.04838303662836552},{"text":"Oh, good.","start":767.895,"end":771.575,"sentiment":"neutral","sentiment_score":0.09654378518462181},{"text":"It doesn't tell me.","start":771.575,"end":772.215,"sentiment":"neutral","sentiment_score":0.03053601598367095},{"text":"It's okay.","start":772.215,"end":772.695,"sentiment":"neutral","sentiment_score":0.04954942315816879}],"sentiment":"neutral","sentiment_score":0.04239626617535301,"num_words":23,"start":757.88,"end":772.695},{"sentences":[{"text":"I do have it sitting on your file.","start":772.695,"end":774.79504,"sentiment":"neutral","sentiment_score":0.0639010202139616},{"text":"I'm pretty sure it is, but just to make sure that we've got the correct...","start":781.015,"end":785.54004,"sentiment":"neutral","sentiment_score":0.02137067566315333},{"text":"Yeah.","start":786.4,"end":786.64,"sentiment":"neutral","sentiment_score":0.021213220432400703},{"text":"50% loading.","start":786.64,"end":787.86005,"sentiment":"neutral","sentiment_score":0.029202347621321678},{"text":"Yeah.","start":788.08,"end":788.58,"sentiment":"neutral","sentiment_score":0.05547424778342247}],"sentiment":"neutral","sentiment_score":0.03580964667101701,"num_words":27,"start":772.695,"end":788.58},{"sentences":[{"text":"So, realistically, 50% would make those, you know, 50% cheaper, would drop the price quite considerably for you.","start":789.92004,"end":797.395,"sentiment":"neutral","sentiment_score":0.19700101763010025},{"text":"Yeah.","start":797.53503,"end":798.03503,"sentiment":"neutral","sentiment_score":0.11361293494701384},{"text":"Yeah.","start":799.215,"end":799.715,"sentiment":"neutral","sentiment_score":0.11119034886360168},{"text":"Yeah.","start":802.09503,"end":802.59503,"sentiment":"neutral","sentiment_score":0.1988172084093094},{"text":"Yep.","start":806.73505,"end":807.12,"sentiment":"neutral","sentiment_score":0.04776687175035477}],"sentiment":"neutral","sentiment_score":0.18260934915054927,"num_words":22,"start":789.92004,"end":807.12},{"sentences":[{"text":"Yeah.","start":808.88,"end":809.27997,"sentiment":"neutral","sentiment_score":0.05797276645898819},{"text":"Absolutely.","start":809.27997,"end":809.77997,"sentiment":"positive","sentiment_score":0.4688529968261719},{"text":"Not a problem at all.","start":810.32,"end":811.77997,"sentiment":"positive","sentiment_score":0.43338423371315005},{"text":"If you scroll down for me to page number 14, this is where those recommendations start in place.","start":812.32,"end":817.86,"sentiment":"neutral","sentiment_score":0.13391637181242308},{"text":"Beautiful.","start":820.88,"end":821.38,"sentiment":"positive","sentiment_score":0.6416765451431274}],"sentiment":"neutral","sentiment_score":0.22099685267760202,"num_words":26,"start":808.88,"end":821.38},{"sentences":[{"text":"So, essentially, I had a look at your hub twenty four super fund as well as the other funds out there to sort of see whether we look to move the fund or whether we retain the fund itself.","start":822.255,"end":831.395,"sentiment":"neutral","sentiment_score":0.11988237743767408},{"text":"I am recommending we retain hub twenty four.","start":831.615,"end":834.12,"sentiment":"neutral","sentiment_score":0.1395833222195506},{"text":"One of the things I do look at when I am looking at, you know, altering or moving the fund is DDT consequences as well.","start":834.27997,"end":841.24,"sentiment":"neutral","sentiment_score":0.076463528200984},{"text":"So your super fund, just like you, does pay income tax and capital gains tax.","start":841.24,"end":847.16,"sentiment":"neutral","sentiment_score":0.04370336110393206},{"text":"It does a tax return every single year as well.","start":847.16,"end":849.98,"sentiment":"neutral","sentiment_score":0.05757455676794052}],"sentiment":"neutral","sentiment_score":0.09211302564008948,"num_words":97,"start":822.255,"end":849.98},{"sentences":[{"text":"So when we are buying and selling investments, that is a capital gains or does have a capital gains effect on your super fund.","start":850.415,"end":856.89496,"sentiment":"neutral","sentiment_score":0.009824416444947323},{"text":"So I wanted to look at reducing that as much as possible.","start":856.89496,"end":859.63495,"sentiment":"neutral","sentiment_score":0.020836190320551395},{"text":"The other reason I wanted to look at reducing your main...","start":860.01495,"end":862.81494,"sentiment":"neutral","sentiment_score":-0.01042492018843239},{"text":"You know, not having as big a capital gains consequence for yourself, for your fund, is that we're not con...","start":862.81494,"end":869.06,"sentiment":"neutral","sentiment_score":-0.05122021185234189},{"text":"We're not looking at contributions at the moment because you are working sporadically.","start":869.06,"end":872.28,"sentiment":"neutral","sentiment_score":-0.0837724690253918}],"sentiment":"neutral","sentiment_score":-0.021778752224054187,"num_words":80,"start":850.415,"end":872.28},{"sentences":[{"text":"You're looking at, you know, trying to change jobs.","start":872.34,"end":874.26,"sentiment":"neutral","sentiment_score":-0.06907105073332787},{"text":"There's a a few different changes in your life occurring at the moment, and you're sort of working through what you wanted to do moving forward.","start":874.26,"end":880.6,"sentiment":"neutral","sentiment_score":-0.04735554052660099},{"text":"So we've got no real steady contributions going into the fund, so I wasn't able to take into account those contributions going in.","start":880.795,"end":887.995,"sentiment":"neutral","sentiment_score":-0.0850595859405787},{"text":"So being able to limit the CDT effect means that more money stays invested working harder for you.","start":887.995,"end":894.655,"sentiment":"neutral","sentiment_score":0.05610383219189114},{"text":"I've also looked at the fee side of things as well.","start":894.74,"end":897.45996,"sentiment":"neutral","sentiment_score":0.1640080978924578}],"sentiment":"neutral","sentiment_score":-0.011440183110963339,"num_words":87,"start":872.34,"end":897.45996},{"sentences":[{"text":"So I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit.","start":897.45996,"end":911.965,"sentiment":"positive","sentiment_score":0.5055521303415298},{"text":"So I am recommending we retain hub twenty four.","start":912.585,"end":914.825,"sentiment":"positive","sentiment_score":0.5120459629429711},{"text":"It is a good fund.","start":914.825,"end":915.78503,"sentiment":"positive","sentiment_score":0.7287433743476868},{"text":"There's still nothing wrong with the fund itself.","start":915.78503,"end":917.805,"sentiment":"neutral","sentiment_score":0.2674214765429497},{"text":"Think of hub twenty four as basically the vehicle.","start":918.025,"end":920.585,"sentiment":"neutral","sentiment_score":0.1262053574124972}],"sentiment":"positive","sentiment_score":0.45438218622663873,"num_words":81,"start":897.45996,"end":920.585},{"sentences":[{"text":"It's like a car.","start":920.585,"end":921.72504,"sentiment":"neutral","sentiment_score":0.05831702519208193},{"text":"It's getting you from a to b, but what's really gonna make you the returns and get your super working harder is essentially your contributions and also the actual investments within the fund there.","start":921.94,"end":932.42004,"sentiment":"neutral","sentiment_score":0.16935168272432158},{"text":"So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you.","start":932.42004,"end":945.91504,"sentiment":"neutral","sentiment_score":0.2991991076204512},{"text":"Okay?","start":945.91504,"end":946.41504,"sentiment":"neutral","sentiment_score":0.11972416937351228},{"text":"When you do get contributions going in from your current employer or any additional employers down the track, we'll keep those going into Hub twenty four.","start":948.555,"end":956.33,"sentiment":"neutral","sentiment_score":0.15611188371594137}],"sentiment":"neutral","sentiment_score":0.21485289365730503,"num_words":110,"start":920.585,"end":956.33},{"sentences":[{"text":"And I have recommended an investment switch here for you, and I'll take you through that in a second.","start":956.95,"end":961.77,"sentiment":"neutral","sentiment_score":0.1795437979070764},{"text":"Okay?","start":961.99,"end":962.49,"sentiment":"neutral","sentiment_score":0.12357375025749208},{"text":"Excellent.","start":964.415,"end":964.815,"sentiment":"positive","sentiment_score":0.5771458148956299},{"text":"Now I'm gonna skip a couple of pages because you'll get to go back and have a really good read of everything there as well.","start":964.815,"end":970.035,"sentiment":"neutral","sentiment_score":0.24625082612037658},{"text":"But if I can get you to scroll down for me, just the page number 19, this one has the heading c comparison superannuation.","start":970.095,"end":979.315,"sentiment":"neutral","sentiment_score":0.07841605180874467}],"sentiment":"neutral","sentiment_score":0.17357582316866943,"num_words":70,"start":956.95,"end":979.315},{"sentences":[{"text":"Yep.","start":987.18,"end":987.58,"sentiment":"neutral","sentiment_score":0.2488987147808075},{"text":"Beautiful.","start":987.58,"end":988.08,"sentiment":"positive","sentiment_score":0.5811803936958313},{"text":"So this is showing you essentially the recommendations side by side.","start":988.54,"end":992.64,"sentiment":"neutral","sentiment_score":0.3095726831392808},{"text":"Essentially, with your current balance as of the time we've prepared the documents sitting at a $186,007.42.","start":993.335,"end":999.835,"sentiment":"neutral","sentiment_score":0.21401175243013046},{"text":"Within your current fund, you've got administration fees, investment fees, our ongoing service fee us looking after everything and updating advice, and your insurance premiums at the current level there as well.","start":999.97504,"end":1010.49,"sentiment":"neutral","sentiment_score":0.20826126215979457}],"sentiment":"neutral","sentiment_score":0.23448288392636082,"num_words":62,"start":987.18,"end":1010.49},{"sentences":[{"text":"Underneath that, the investor profile, so you're in a high growth portfolio that has that ninety ten split between 90% growth investments and 10% lower risk defensive investments, that was something that you were fairly happy retaining trying to get greater potential growth down the track there.","start":1011.50995,"end":1027.965,"sentiment":"neutral","sentiment_score":0.2728934502030941},{"text":"So we are retaining that risk profile.","start":1027.965,"end":1030.145,"sentiment":"neutral","sentiment_score":0.20530120602675847},{"text":"When we look at how the investments have performed over the past five years, we look at a five year rolling average.","start":1030.94,"end":1036.64,"sentiment":"neutral","sentiment_score":0.18721449747681618},{"text":"And this looks at the last five years and averages out what the returns have looked like for the individual portfolio.","start":1036.78,"end":1042.32,"sentiment":"neutral","sentiment_score":0.2020277033249537},{"text":"This portfolio has averaged about 10.06%.","start":1043.195,"end":1046.655,"sentiment":"neutral","sentiment_score":0.20005784059564272}],"sentiment":"neutral","sentiment_score":0.2313082365011706,"num_words":103,"start":1011.50995,"end":1046.655},{"sentences":[{"text":"As by no means, a bad return is good when you compound forward.","start":1046.955,"end":1050.575,"sentiment":"neutral","sentiment_score":0.30557756326519525},{"text":"However, some of the investments have under the...","start":1050.795,"end":1052.795,"sentiment":"neutral","sentiment_score":-0.06349299242720008},{"text":"Have been underperforming a bit.","start":1052.795,"end":1054.155,"sentiment":"negative","sentiment_score":-0.3342548102140427},{"text":"So we wanted to look at updating and changing your portfolio as times have definitely changed, and they do need to be updated on a regular basis or every so often as well for you.","start":1054.155,"end":1064.24,"sentiment":"neutral","sentiment_score":-0.050726901846272605},{"text":"Okay?","start":1064.24,"end":1064.74,"sentiment":"neutral","sentiment_score":0.05253864824771881}],"sentiment":"neutral","sentiment_score":0.0011352808965790656,"num_words":62,"start":1046.955,"end":1064.74},{"sentences":[{"text":"With the recommended column, we are still recommending you stay within hub twenty four.","start":1066.48,"end":1070.4,"sentiment":"neutral","sentiment_score":0.20831348427704402},{"text":"Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you.","start":1070.72,"end":1078.675,"sentiment":"positive","sentiment_score":0.4082074202597141},{"text":"So if you look at the differences column there, you'll notice the balance between the current recommended is exactly the same, and there's no CGT consequence.","start":1078.675,"end":1087.4,"sentiment":"positive","sentiment_score":0.3729257486187495},{"text":"So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments.","start":1087.5399,"end":1102.7351,"sentiment":"positive","sentiment_score":0.45267111212015154},{"text":"It essentially evens itself out, so your super fund has zero capital gains consequences from making this change.","start":1102.7351,"end":1109.0751,"sentiment":"neutral","sentiment_score":0.3030889237092601}],"sentiment":"positive","sentiment_score":0.37781516764135586,"num_words":126,"start":1066.48,"end":1109.0751},{"sentences":[{"text":"Yeah.","start":1111.6951,"end":1112.0951,"sentiment":"neutral","sentiment_score":0.05095131695270538},{"text":"Does that make sense?","start":1112.0951,"end":1112.9751,"sentiment":"neutral","sentiment_score":0.01853066822513938},{"text":"Do you have any questions?","start":1112.9751,"end":1114.1951,"sentiment":"neutral","sentiment_score":-0.008972429670393467},{"text":"Okay.","start":1117.85,"end":1118.33,"sentiment":"neutral","sentiment_score":-0.010412740521132946},{"text":"That's number 19.","start":1118.33,"end":1119.39,"sentiment":"neutral","sentiment_score":-0.014887025579810143}],"sentiment":"neutral","sentiment_score":0.0017955731600522997,"num_words":14,"start":1111.6951,"end":1119.39},{"sentences":[{"text":"Yeah.","start":1121.45,"end":1121.93,"sentiment":"neutral","sentiment_score":0.022379469126462936},{"text":"And that's the differences column, so in the table on the top line.","start":1121.93,"end":1125.47,"sentiment":"neutral","sentiment_score":0.016038262428572543},{"text":"Mhmm.","start":1131.905,"end":1132.405,"sentiment":"neutral","sentiment_score":-0.012476992793381214},{"text":"Mhmm.","start":1136.4651,"end":1136.9651,"sentiment":"neutral","sentiment_score":-0.061335425823926926},{"text":"Yes.","start":1153.26,"end":1153.76,"sentiment":"neutral","sentiment_score":0.09030694514513016}],"sentiment":"neutral","sentiment_score":0.014551259248572238,"num_words":17,"start":1121.45,"end":1153.76},{"sentences":[{"text":"Yeah.","start":1154.0599,"end":1154.5599,"sentiment":"neutral","sentiment_score":0.14846491813659668},{"text":"So it's actually more giving you a positive gain.","start":1155.1,"end":1157.685,"sentiment":"neutral","sentiment_score":0.2707042164272732},{"text":"Yeah.","start":1160.3251,"end":1160.645,"sentiment":"neutral","sentiment_score":0.23967529833316803},{"text":"Yeah.","start":1160.645,"end":1161.125,"sentiment":"neutral","sentiment_score":0.2936917245388031},{"text":"So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455.","start":1161.125,"end":1171.6051,"sentiment":"positive","sentiment_score":0.3574793028334777}],"sentiment":"neutral","sentiment_score":0.3249353654682636,"num_words":36,"start":1154.0599,"end":1171.6051},{"sentences":[{"text":"So that's a gain to you.","start":1171.6051,"end":1173.1499,"sentiment":"positive","sentiment_score":0.44837362319231033},{"text":"That's more money that stays invested in your portfolio.","start":1173.1499,"end":1175.8099,"sentiment":"positive","sentiment_score":0.5837710168626573},{"text":"That's an advantage of changing the portfolio.","start":1175.95,"end":1178.2899,"sentiment":"positive","sentiment_score":0.7020309056554522},{"text":"It's cheaper and saving new funds.","start":1178.4299,"end":1180.37,"sentiment":"positive","sentiment_score":0.6590577860673269},{"text":"On that page 19, the five year rolling average also shows that this newer investment portfolio has obtained about 11.18%.","start":1181.7899,"end":1191.1051,"sentiment":"positive","sentiment_score":0.38489058464765546}],"sentiment":"positive","sentiment_score":0.5106365758304795,"num_words":48,"start":1171.6051,"end":1191.1051},{"sentences":[{"text":"So over the past five years, it's actually averaged a much greater return, which depending on...","start":1191.1051,"end":1196.785,"sentiment":"positive","sentiment_score":0.35010469052940607},{"text":"And returns are never guaranteed.","start":1196.785,"end":1198.3251,"sentiment":"neutral","sentiment_score":0.08870147913694382},{"text":"However, moving forward, if a portfolio has gone through volatility and has seen those kinds of returns over the past, it means that they can obtain that down the track there.","start":1198.7051,"end":1207.73,"sentiment":"neutral","sentiment_score":0.21965084489314787},{"text":"So this newer portfolio is cheaper for you, keeps more money invested, has performed much better.","start":1207.73,"end":1213.67,"sentiment":"positive","sentiment_score":0.6622438058257103},{"text":"And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does.","start":1213.9249,"end":1225.2849,"sentiment":"positive","sentiment_score":0.6543879845203497}],"sentiment":"positive","sentiment_score":0.4576765507041851,"num_words":107,"start":1191.1051,"end":1225.2849},{"sentences":[{"text":"So that is also a positive and a gain there for you.","start":1225.2849,"end":1228.645,"sentiment":"positive","sentiment_score":0.7391001085440317},{"text":"Does that make sense?","start":1228.645,"end":1229.64,"sentiment":"positive","sentiment_score":0.3596975803375244},{"text":"Yeah.","start":1231.56,"end":1232.06,"sentiment":"neutral","sentiment_score":0.08853624761104584},{"text":"On page number 21, I definitely wanna take you through this because it is a...","start":1232.4401,"end":1236.68,"sentiment":"neutral","sentiment_score":0.060741245622436206},{"text":"An interesting page.","start":1236.68,"end":1237.72,"sentiment":"neutral","sentiment_score":0.04898989821473757}],"sentiment":"neutral","sentiment_score":0.3272747500134366,"num_words":35,"start":1225.2849,"end":1237.72},{"sentences":[{"text":"There's a lot going on on that one, and that you are correct does show the buyers themselves that we essentially attend...","start":1237.72,"end":1244.665,"sentiment":"neutral","sentiment_score":0.06621231646700339},{"text":"Intend on making to be able to switch your portfolio for you.","start":1244.805,"end":1248.665,"sentiment":"neutral","sentiment_score":0.06137537956237793},{"text":"Yeah.","start":1250.965,"end":1251.4451,"sentiment":"neutral","sentiment_score":0.10135414451360704},{"text":"So I'll take you through it to make it a little bit easier.","start":1251.4451,"end":1254.005,"sentiment":"neutral","sentiment_score":0.16327402683404776},{"text":"But looking at the first line there, the first column shows the investment name.","start":1254.005,"end":1257.557,"sentiment":"neutral","sentiment_score":0.0988283705498491}],"sentiment":"neutral","sentiment_score":0.09355950319478588,"num_words":62,"start":1237.72,"end":1257.557},{"sentences":[{"text":"So you've got cybersecurity within your portfolio currently, the APIR code.","start":1257.557,"end":1264.27,"sentiment":"neutral","sentiment_score":0.17442879419435153},{"text":"You don't have to worry too much about that line.","start":1264.27,"end":1266.19,"sentiment":"neutral","sentiment_score":0.22429560869932175},{"text":"That's more for us.","start":1266.19,"end":1267.15,"sentiment":"neutral","sentiment_score":0.2439400814473629},{"text":"That's more just so we know which investments to buy and sell because we use the ticket code or the APIR code to be able to find those investments nice and quickly.","start":1267.15,"end":1276.5549,"sentiment":"neutral","sentiment_score":0.24774528527632356},{"text":"Okay?","start":1276.775,"end":1277.275,"sentiment":"neutral","sentiment_score":0.07570742070674896}],"sentiment":"neutral","sentiment_score":0.22656878790464893,"num_words":58,"start":1257.557,"end":1277.275},{"sentences":[{"text":"The current weighting, that is the next column.","start":1279.1749,"end":1281.4149,"sentiment":"neutral","sentiment_score":0.0795313660055399},{"text":"That's how much of each of these investments you have currently within your portfolio.","start":1281.4149,"end":1285.4349,"sentiment":"neutral","sentiment_score":0.10039261834962028},{"text":"And the current balance is how much of your super balance is invested within that portfolio currently as well.","start":1286.09,"end":1292.03,"sentiment":"neutral","sentiment_score":0.10705928033904026},{"text":"Okay?","start":1292.09,"end":1292.59,"sentiment":"neutral","sentiment_score":0.08905743062496185},{"text":"Buying and selling is the change that we are going to make.","start":1294.65,"end":1297.85,"sentiment":"neutral","sentiment_score":0.21147440622250238}],"sentiment":"neutral","sentiment_score":0.12412267067918072,"num_words":54,"start":1279.1749,"end":1297.85},{"sentences":[{"text":"So you'll see with cyber security, at the moment, you have eight percent invested in your portfolio.","start":1297.85,"end":1302.995,"sentiment":"neutral","sentiment_score":0.16770438499310436},{"text":"We only wanna hold 6%.","start":1303.375,"end":1305.295,"sentiment":"neutral","sentiment_score":-0.039880262315273286},{"text":"So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio.","start":1305.295,"end":1313.955,"sentiment":"neutral","sentiment_score":0.014854468250026306},{"text":"Okay?","start":1314.655,"end":1315.155,"sentiment":"neutral","sentiment_score":0.024993499740958217},{"text":"Beautiful.","start":1316.9701,"end":1317.4701,"sentiment":"positive","sentiment_score":0.3902865648269654}],"sentiment":"neutral","sentiment_score":0.07132001116406173,"num_words":48,"start":1297.85,"end":1317.4701},{"sentences":[{"text":"India has been underperforming a bit there, so we are removing that one from your portfolio completely.","start":1317.53,"end":1322.3501,"sentiment":"neutral","sentiment_score":-0.20357985969852},{"text":"So that will go from 5.10 to zero.","start":1322.41,"end":1325.05,"sentiment":"neutral","sentiment_score":-0.07441543228924274},{"text":"That will be removed completely out of your portfolio.","start":1325.05,"end":1327.4701,"sentiment":"neutral","sentiment_score":-0.18945316473642984},{"text":"Okay?","start":1327.93,"end":1328.43,"sentiment":"neutral","sentiment_score":-0.005457034334540367},{"text":"The Global Healthcare, that one is a good investment to have.","start":1329.9651,"end":1333.265,"sentiment":"neutral","sentiment_score":0.22295737198807977}],"sentiment":"neutral","sentiment_score":-0.0720475108322242,"num_words":46,"start":1317.53,"end":1333.265},{"sentences":[{"text":"However, it is more of a costly investment.","start":1333.5651,"end":1335.5651,"sentiment":"neutral","sentiment_score":-0.2848905920982361},{"text":"It has been very up and down there, and I found a newer portfolio which has a little bit lower risk and still gives you global access.","start":1335.5651,"end":1342.845,"sentiment":"neutral","sentiment_score":-0.038864405894720996},{"text":"So I am removing that completely from your portfolio.","start":1342.845,"end":1347.75,"sentiment":"neutral","sentiment_score":-0.0495387791759438},{"text":"We've got the S and P 500.","start":1347.75,"end":1349.51,"sentiment":"neutral","sentiment_score":0.03868259170225689},{"text":"Now this is giving you exposure to the top 500 companies on The US market there.","start":1349.51,"end":1354.71,"sentiment":"neutral","sentiment_score":0.05223879381082952}],"sentiment":"neutral","sentiment_score":-0.03981662486026536,"num_words":67,"start":1333.5651,"end":1354.71},{"sentences":[{"text":"You currently have 24.80%.","start":1354.71,"end":1357.455,"sentiment":"neutral","sentiment_score":0.05214121285825968},{"text":"We wanna hold 35%.","start":1357.455,"end":1359.135,"sentiment":"neutral","sentiment_score":0.0830448167398572},{"text":"So that means we're gonna buy a little bit more of that one.","start":1359.135,"end":1361.775,"sentiment":"neutral","sentiment_score":0.09058904705139306},{"text":"So we'll buy the $719,000.","start":1361.775,"end":1363.875,"sentiment":"neutral","sentiment_score":0.08023199886083603},{"text":"Okay.","start":1364.1749,"end":1364.6749,"sentiment":"neutral","sentiment_score":0.09707818925380708}],"sentiment":"neutral","sentiment_score":0.08209777457846536,"num_words":27,"start":1354.71,"end":1364.6749},{"sentences":[{"text":"Excellent.","start":1365.855,"end":1366.355,"sentiment":"positive","sentiment_score":0.41177111864089966},{"text":"We've also got the Raffi.","start":1366.975,"end":1368.515,"sentiment":"neutral","sentiment_score":0.18215890526771544},{"text":"This is the Raffi 200.","start":1368.815,"end":1370.255,"sentiment":"neutral","sentiment_score":0.11244249939918519},{"text":"This is giving you exposure to some of the top 200 companies on the ASX by fundamental weighting, and we have 15.70%.","start":1370.255,"end":1379.01,"sentiment":"neutral","sentiment_score":0.13130990212613886},{"text":"We are removing that from your portfolio because we have found a cheaper way to hold Australian equities, so removing this investment completely for you.","start":1379.01,"end":1388.755,"sentiment":"neutral","sentiment_score":0.09446997225284576}],"sentiment":"neutral","sentiment_score":0.12302319474261382,"num_words":58,"start":1365.855,"end":1388.755},{"sentences":[{"text":"We've also got the ban along Australian equities.","start":1390.655,"end":1392.8151,"sentiment":"neutral","sentiment_score":-0.07078108470886946},{"text":"This investment's been underperforming and holding everyone's portfolio back.","start":1392.8151,"end":1396.3351,"sentiment":"neutral","sentiment_score":-0.24027523398399353},{"text":"So I'm removing it out completely from all the portfolios that I'm working on, especially yours.","start":1396.3351,"end":1401.555,"sentiment":"neutral","sentiment_score":-0.10265361610800028},{"text":"We don't wanna see underperforming investments, so this one will be fully gone as well.","start":1401.84,"end":1407.14,"sentiment":"neutral","sentiment_score":-0.1648790846268336},{"text":"We've then got the JPMorgan Global Research enhanced equity fund.","start":1409.2,"end":1413.0399,"sentiment":"neutral","sentiment_score":0.04699879572726786}],"sentiment":"neutral","sentiment_score":-0.10990313712732289,"num_words":58,"start":1390.655,"end":1413.0399},{"sentences":[{"text":"This was a little bit more of an actively managed global fund that has done really well.","start":1413.0399,"end":1417.46,"sentiment":"neutral","sentiment_score":0.11917694964829613},{"text":"But one of the things I wanted to look at doing was while keeping a high growth investment portfolio looking to reduce risk in it.","start":1417.815,"end":1423.975,"sentiment":"neutral","sentiment_score":0.07967219322919845},{"text":"So keeping active management with the portfolio does have some active management risk where active managers can underperform.","start":1423.975,"end":1431.43,"sentiment":"neutral","sentiment_score":-0.010033247630215354},{"text":"So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you.","start":1431.65,"end":1439.5701,"sentiment":"neutral","sentiment_score":0.11796679611628254},{"text":"Okay?","start":1439.5701,"end":1440.0701,"sentiment":"neutral","sentiment_score":0.11036307364702223}],"sentiment":"neutral","sentiment_score":0.07975036115111674,"num_words":85,"start":1413.0399,"end":1440.0701},{"sentences":[{"text":"Physical gold, this one is still a good investment.","start":1442.2251,"end":1444.9451,"sentiment":"positive","sentiment_score":0.5229784250259399},{"text":"Has been a bit up and down this year.","start":1444.9451,"end":1446.545,"sentiment":"neutral","sentiment_score":-0.1270565183626281},{"text":"We still wanna hold physical gold.","start":1446.545,"end":1448.5651,"sentiment":"neutral","sentiment_score":0.07723461464047432},{"text":"Essentially, we only wanna hold 7%.","start":1449.105,"end":1451.425,"sentiment":"neutral","sentiment_score":0.1094902865588665},{"text":"So your current weighting is 7.50.","start":1451.425,"end":1454.2251,"sentiment":"neutral","sentiment_score":0.13071955616275469}],"sentiment":"neutral","sentiment_score":0.15188788622617722,"num_words":36,"start":1442.2251,"end":1454.2251},{"sentences":[{"text":"So we're gonna keep it and just sell a little bit of that off and rebalance that back for you.","start":1454.2251,"end":1459.4601,"sentiment":"neutral","sentiment_score":0.21717017516493797},{"text":"No.","start":1465.4401,"end":1465.68,"sentiment":"neutral","sentiment_score":-0.1344977766275406},{"text":"No.","start":1465.68,"end":1466.0,"sentiment":"neutral","sentiment_score":-0.15380266308784485},{"text":"It's the same as anything else.","start":1466.0,"end":1467.4401,"sentiment":"neutral","sentiment_score":-0.0598942165573438},{"text":"It's just cementing capital gain.","start":1467.4401,"end":1469.705,"sentiment":"neutral","sentiment_score":-0.05803154930472374}],"sentiment":"neutral","sentiment_score":0.10319939447623311,"num_words":33,"start":1454.2251,"end":1469.705},{"sentences":[{"text":"But as with...","start":1469.9249,"end":1470.885,"sentiment":"neutral","sentiment_score":-0.01107293926179409},{"text":"When we weighed up the capital gains on doing all of these changes, there was zero capital gains effect for your portfolio.","start":1470.885,"end":1476.825,"sentiment":"neutral","sentiment_score":0.0720852322199128},{"text":"So there's no real disadvantage doing that.","start":1477.0449,"end":1480.585,"sentiment":"neutral","sentiment_score":0.03586631694010326},{"text":"One of the important things is physical gold doesn't produce income.","start":1480.885,"end":1484.405,"sentiment":"neutral","sentiment_score":0.07170634987679395},{"text":"One of the things I like to look at within portfolios is how we get growth as well as income.","start":1484.405,"end":1489.35,"sentiment":"neutral","sentiment_score":0.16026029288768767}],"sentiment":"neutral","sentiment_score":0.09202692406399855,"num_words":63,"start":1469.9249,"end":1489.35},{"sentences":[{"text":"Income is dividends that are paid out of the investments, and it's paid to your cash account and then reinvested back into your portfolio for compounding effect.","start":1489.8099,"end":1499.11,"sentiment":"neutral","sentiment_score":0.12531197209049155},{"text":"Physical gold doesn't pay any income.","start":1500.1649,"end":1503.065,"sentiment":"neutral","sentiment_score":-0.006306376152982314},{"text":"Gold and silver and a lot of those commodities like metals, there's no income produced from those.","start":1503.205,"end":1508.085,"sentiment":"neutral","sentiment_score":-0.002116204842048533},{"text":"So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains.","start":1508.085,"end":1515.3049,"sentiment":"neutral","sentiment_score":0.10706114159388976},{"text":"And that's essentially what we're doing here.","start":1515.57,"end":1517.25,"sentiment":"neutral","sentiment_score":0.15183395519852638}],"sentiment":"neutral","sentiment_score":0.08516192795779509,"num_words":79,"start":1489.8099,"end":1517.25},{"sentences":[{"text":"You've had a really good gain in the portfolio.","start":1517.25,"end":1519.4299,"sentiment":"positive","sentiment_score":0.40514200925827026},{"text":"We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you.","start":1519.6499,"end":1528.0499,"sentiment":"neutral","sentiment_score":0.2503333461603948},{"text":"Does that make sense?","start":1528.0499,"end":1529.025,"sentiment":"neutral","sentiment_score":0.15345459431409836},{"text":"Yep.","start":1530.625,"end":1531.025,"sentiment":"neutral","sentiment_score":0.1517558395862579},{"text":"Beautiful.","start":1531.025,"end":1531.525,"sentiment":"positive","sentiment_score":0.4218822717666626}],"sentiment":"neutral","sentiment_score":0.2754201921959256,"num_words":43,"start":1517.25,"end":1531.525},{"sentences":[{"text":"Underneath that, you've got the bank hybrids.","start":1532.465,"end":1534.385,"sentiment":"neutral","sentiment_score":0.09539836538689477},{"text":"These are more of a defensive investment, but these are being phased out down down the track by the government.","start":1534.385,"end":1539.265,"sentiment":"neutral","sentiment_score":-0.019839438423514367},{"text":"So I'm removing them now rather than holding on till we have to make that change.","start":1539.265,"end":1543.525,"sentiment":"neutral","sentiment_score":-0.01120207505300641},{"text":"I would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey.","start":1543.7201,"end":1549.64,"sentiment":"neutral","sentiment_score":0.06297340817176379},{"text":"We have a couple of weeks.","start":1549.64,"end":1550.6001,"sentiment":"neutral","sentiment_score":-0.12406791746616364}],"sentiment":"neutral","sentiment_score":0.013128902614116669,"num_words":75,"start":1532.465,"end":1550.6001},{"sentences":[{"text":"We have to get you out of this investment.","start":1550.6001,"end":1552.3,"sentiment":"neutral","sentiment_score":-0.1695510380797916},{"text":"So these investments that...","start":1552.4401,"end":1554.3601,"sentiment":"neutral","sentiment_score":-0.03077469812706113},{"text":"Essentially, the government wants to streamline a lot of the investments.","start":1554.3601,"end":1557.0801,"sentiment":"neutral","sentiment_score":0.007062902335416187},{"text":"There are a lot of complex complex banking investments out there, and this is one of those.","start":1557.0801,"end":1562.055,"sentiment":"neutral","sentiment_score":-0.002257100689937087},{"text":"This is sort of like bonds and shares together.","start":1562.355,"end":1564.775,"sentiment":"neutral","sentiment_score":0.004381283238116238}],"sentiment":"neutral","sentiment_score":-0.03140610744245351,"num_words":50,"start":1550.6001,"end":1564.775},{"sentences":[{"text":"It's a...","start":1564.995,"end":1565.555,"sentiment":"neutral","sentiment_score":0.003235105541534722},{"text":"An investment.","start":1565.555,"end":1566.1951,"sentiment":"neutral","sentiment_score":0.00514267198741436},{"text":"You're you're putting money into banking products.","start":1566.1951,"end":1568.275,"sentiment":"neutral","sentiment_score":0.04359289737684386},{"text":"The banks are then using that money to lend out.","start":1568.275,"end":1571.095,"sentiment":"neutral","sentiment_score":0.06398631446063519},{"text":"They're giving you a return by way of a compound payment or an income payment, but bank hybrids are also traded a little bit like shares as well.","start":1571.37,"end":1580.01,"sentiment":"neutral","sentiment_score":0.060506073026252646}],"sentiment":"neutral","sentiment_score":0.054202837266065944,"num_words":49,"start":1564.995,"end":1580.01},{"sentences":[{"text":"So in the great scheme of things, they are defensive in nature.","start":1580.01,"end":1583.93,"sentiment":"neutral","sentiment_score":0.1528915793945392},{"text":"They tend to get a lower rate of return.","start":1583.93,"end":1585.965,"sentiment":"neutral","sentiment_score":0.14575381494230694},{"text":"However, they are a little bit more risky on the side of defensive investments.","start":1585.965,"end":1591.265,"sentiment":"neutral","sentiment_score":-0.1194709414350135},{"text":"So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive.","start":1591.325,"end":1600.065,"sentiment":"neutral","sentiment_score":-0.030971742894810934},{"text":"Okay?","start":1600.445,"end":1600.92,"sentiment":"neutral","sentiment_score":0.03266014903783798}],"sentiment":"neutral","sentiment_score":0.012720473778123657,"num_words":60,"start":1580.01,"end":1600.92},{"sentences":[{"text":"Excellent.","start":1602.76,"end":1603.26,"sentiment":"positive","sentiment_score":0.4981176853179931},{"text":"We've also got the iShares Europe investment there.","start":1603.56,"end":1606.04,"sentiment":"neutral","sentiment_score":0.21044221334159374},{"text":"Now you don't have any of this in your portfolio currently.","start":1606.04,"end":1608.86,"sentiment":"neutral","sentiment_score":0.09157218513163654},{"text":"This is giving access and exposure to all the 16 European country...","start":1608.92,"end":1613.42,"sentiment":"neutral","sentiment_score":0.1693624754746755},{"text":"Countries there.","start":1613.56,"end":1614.615,"sentiment":"neutral","sentiment_score":0.1318650022149086}],"sentiment":"neutral","sentiment_score":0.1613243864301373,"num_words":34,"start":1602.76,"end":1614.615},{"sentences":[{"text":"We wanna hold 9% of this investment.","start":1614.855,"end":1617.095,"sentiment":"neutral","sentiment_score":0.17629193195274898},{"text":"Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there.","start":1617.095,"end":1622.135,"sentiment":"positive","sentiment_score":0.5186700366792225},{"text":"So we do see it as an area to be invested.","start":1622.135,"end":1624.475,"sentiment":"neutral","sentiment_score":0.3078700710426677},{"text":"We're only holding 9% of your portfolio in here.","start":1624.615,"end":1627.755,"sentiment":"neutral","sentiment_score":0.09103893240292867},{"text":"The MSCI...","start":1629.16,"end":1630.06,"sentiment":"neutral","sentiment_score":0.022686736658215523}],"sentiment":"neutral","sentiment_score":0.32754817880690096,"num_words":50,"start":1614.855,"end":1630.06},{"sentences":[{"text":"So the Miski Japan, this is giving you access and exposure to the Japanese market.","start":1630.2001,"end":1634.54,"sentiment":"neutral","sentiment_score":0.12681528230508168},{"text":"Essentially, years ago, everyone was surmising China was the place to be.","start":1635.16,"end":1638.6001,"sentiment":"neutral","sentiment_score":0.12322313090165456},{"text":"However, Japan has seen some really good growth.","start":1638.6001,"end":1640.76,"sentiment":"positive","sentiment_score":0.3890639767050743},{"text":"And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis.","start":1640.76,"end":1646.005,"sentiment":"positive","sentiment_score":0.3585247080773115},{"text":"So, essentially, seeing where Japan is, where it is going, and where there's a bit of growth there, it is a really good place to be invested.","start":1646.465,"end":1653.765,"sentiment":"positive","sentiment_score":0.4686495882493478}],"sentiment":"neutral","sentiment_score":0.3209445324794548,"num_words":82,"start":1630.2001,"end":1653.765},{"sentences":[{"text":"So we see 5% moved into the Japanese market for you.","start":1653.9049,"end":1657.52,"sentiment":"neutral","sentiment_score":0.3246136795390736},{"text":"Underneath that, you've got the Vanguard All World x US investment.","start":1659.74,"end":1663.12,"sentiment":"neutral","sentiment_score":0.05166423473168503},{"text":"Now this is essentially giving you exposure to the entire globe.","start":1663.18,"end":1666.4,"sentiment":"neutral","sentiment_score":0.1067459149794145},{"text":"One of the biggest ways to be able to mitigate risk is to diversify.","start":1666.9401,"end":1670.72,"sentiment":"neutral","sentiment_score":0.28051901715142386},{"text":"So invest in lots of different areas, different countries, and different asset classes.","start":1671.015,"end":1675.275,"sentiment":"neutral","sentiment_score":0.1880723312497139}],"sentiment":"neutral","sentiment_score":0.194757811135302,"num_words":60,"start":1653.9049,"end":1675.275},{"sentences":[{"text":"The Vanguard or World ex US investment is giving you exposure to essentially the entire globe minus The US today.","start":1675.895,"end":1683.1951,"sentiment":"neutral","sentiment_score":0.09835636653006077},{"text":"We don't need The US in there because we have access to the S and P 500 above, but we wanna hold 8% of this investment for you as well.","start":1683.4601,"end":1691.4601,"sentiment":"neutral","sentiment_score":0.067051870500048},{"text":"Okay?","start":1691.4601,"end":1691.9601,"sentiment":"neutral","sentiment_score":0.051714152097702026},{"text":"But because we're removing the Raffy and the Benelon Australian Equities, we still need to see exposure into the Australian share market.","start":1693.9401,"end":1701.155,"sentiment":"neutral","sentiment_score":0.019444794933819634},{"text":"And the BetaShares a 200 is what's giving you that.","start":1701.455,"end":1704.495,"sentiment":"neutral","sentiment_score":0.17712846994400025}],"sentiment":"neutral","sentiment_score":0.07505382874318545,"num_words":83,"start":1675.895,"end":1704.495},{"sentences":[{"text":"It's essentially giving you exposure to the top 200 companies on the ASX.","start":1704.495,"end":1708.6749,"sentiment":"neutral","sentiment_score":0.22308540000365332},{"text":"It is a passively managed investment.","start":1709.0549,"end":1710.9149,"sentiment":"positive","sentiment_score":0.36497437457243603},{"text":"It is tracking in indices, and it is a really good place to be.","start":1711.53,"end":1714.73,"sentiment":"positive","sentiment_score":0.5459729049886975},{"text":"We have seen good exposure to the Australian market, and it is important to have a little bit of exposure in the Australian market as well.","start":1714.73,"end":1722.03,"sentiment":"neutral","sentiment_score":0.2883684910260714},{"text":"We tend to force it with The US, and so whilst we don't tend to get as good returns as what The US does, it is still important to have exposure into the Australian market there.","start":1722.0901,"end":1731.995,"sentiment":"neutral","sentiment_score":0.044513869668460555}],"sentiment":"neutral","sentiment_score":0.2298279704428033,"num_words":95,"start":1704.495,"end":1731.995},{"sentences":[{"text":"So we'll see 25% invested in that investment for you.","start":1731.995,"end":1735.995,"sentiment":"neutral","sentiment_score":0.17453815266489983},{"text":"Okay?","start":1735.995,"end":1736.495,"sentiment":"neutral","sentiment_score":0.10784303396940231},{"text":"Excellent.","start":1738.43,"end":1738.91,"sentiment":"positive","sentiment_score":0.44717276096343994},{"text":"And then the last one at the very bottom on the next page there, you've got the iShares core composite bond.","start":1738.91,"end":1744.43,"sentiment":"neutral","sentiment_score":0.18550620689278557},{"text":"Now bonds, this is giving you exposure to both the government as well as corporate bonds.","start":1744.43,"end":1749.41,"sentiment":"neutral","sentiment_score":0.24444993492215872}],"sentiment":"neutral","sentiment_score":0.20626993112418116,"num_words":49,"start":1731.995,"end":1749.41},{"sentences":[{"text":"It does also have a little bit of international exposure with debt and other notes and fixed interest, which is great.","start":1749.47,"end":1756.595,"sentiment":"neutral","sentiment_score":0.307611502352215},{"text":"Essentially, this is more of a defensive investment.","start":1757.215,"end":1759.375,"sentiment":"neutral","sentiment_score":0.19124840758740902},{"text":"So within your portfolio, within a high growth environment, we wanna...","start":1759.375,"end":1762.735,"sentiment":"neutral","sentiment_score":0.12354859642007134},{"text":"Sort of wanna stay between five to 10% invested in defensive investments.","start":1762.735,"end":1767.6,"sentiment":"neutral","sentiment_score":0.14293016058703265},{"text":"Bonds do pay income payments, which gets paid into your cash account, and that does help with the compounding effect there as well.","start":1768.38,"end":1775.1799,"sentiment":"neutral","sentiment_score":0.301777971179589}],"sentiment":"neutral","sentiment_score":0.24006558179855347,"num_words":75,"start":1749.47,"end":1775.1799},{"sentences":[{"text":"And that's the important thing because we're not able to factor in contributions right now.","start":1775.1799,"end":1779.26,"sentiment":"neutral","sentiment_score":0.10000857996443907},{"text":"We wanna make sure that the investments are paying dividends as well.","start":1779.26,"end":1782.825,"sentiment":"neutral","sentiment_score":0.3042286808292071},{"text":"When we look at this newer portfolio, essentially, all of the investments minus the gold will pay dividend and income payments throughout the year, and that will definitely help to provide a bit of income, which can be re...","start":1782.825,"end":1795.54,"sentiment":"positive","sentiment_score":0.3569416953967168},{"text":"Report back into your portfolio or reinvested for that compounding effect down the track there as well.","start":1795.54,"end":1801.0,"sentiment":"neutral","sentiment_score":0.1377504213767893},{"text":"Okay?","start":1801.22,"end":1801.72,"sentiment":"neutral","sentiment_score":0.07986059784889221}],"sentiment":"neutral","sentiment_score":0.2558716279898016,"num_words":84,"start":1775.1799,"end":1801.72},{"sentences":[{"text":"Easy.","start":1802.74,"end":1803.14,"sentiment":"neutral","sentiment_score":0.25559720396995544},{"text":"Now that is a lot.","start":1803.14,"end":1804.34,"sentiment":"neutral","sentiment_score":0.12178015857934951},{"text":"I get that.","start":1804.34,"end":1805.22,"sentiment":"neutral","sentiment_score":0.08796027054389317},{"text":"Do you have any questions?","start":1805.22,"end":1806.68,"sentiment":"neutral","sentiment_score":0.02798496261239052},{"text":"Sure.","start":1812.9451,"end":1813.4451,"sentiment":"neutral","sentiment_score":0.00976649858057499}],"sentiment":"neutral","sentiment_score":0.08520467467606067,"num_words":15,"start":1802.74,"end":1813.4451},{"sentences":[{"text":"No.","start":1833.89,"end":1834.39,"sentiment":"neutral","sentiment_score":-0.1214101016521454},{"text":"Yeah.","start":1836.545,"end":1837.045,"sentiment":"neutral","sentiment_score":0.11199864000082016},{"text":"Yeah.","start":1838.4651,"end":1838.9651,"sentiment":"neutral","sentiment_score":0.21638762950897217},{"text":"Absolutely.","start":1841.185,"end":1841.685,"sentiment":"positive","sentiment_score":0.36209771037101746},{"text":"Yeah.","start":1846.7051,"end":1847.07,"sentiment":"neutral","sentiment_score":0.05985806882381439}],"sentiment":"neutral","sentiment_score":0.12578638941049575,"num_words":5,"start":1833.89,"end":1847.07},{"sentences":[{"text":"Yeah.","start":1850.2699,"end":1850.7699,"sentiment":"neutral","sentiment_score":0.06940093636512756},{"text":"Absolutely.","start":1850.99,"end":1851.49,"sentiment":"neutral","sentiment_score":0.09043793380260468},{"text":"Most definitely.","start":1852.19,"end":1853.25,"sentiment":"neutral","sentiment_score":0.09973685815930367},{"text":"Yeah.","start":1853.63,"end":1853.95,"sentiment":"neutral","sentiment_score":0.1060170978307724},{"text":"Yeah.","start":1853.95,"end":1854.19,"sentiment":"neutral","sentiment_score":0.13410881161689758}],"sentiment":"neutral","sentiment_score":0.09990641598900159,"num_words":6,"start":1850.2699,"end":1854.19},{"sentences":[{"text":"And look, your balance isn't bad.","start":1854.19,"end":1855.71,"sentiment":"neutral","sentiment_score":0.3124911238749822},{"text":"You're almost at $200,000 mark, which is great.","start":1855.71,"end":1858.59,"sentiment":"positive","sentiment_score":0.4783168099820614},{"text":"So your balance is not bad by any means.","start":1858.59,"end":1861.265,"sentiment":"neutral","sentiment_score":0.3007115125656128},{"text":"And as things change...","start":1861.4049,"end":1862.6849,"sentiment":"neutral","sentiment_score":0.048406739719212055},{"text":"So once we kinda go through and make this change with your portfolio, I'll make sure we catch up in the next few months there to see how it's tracking, and then we'll just keep reviewing things moving forward.","start":1862.6849,"end":1873.085,"sentiment":"neutral","sentiment_score":0.1614761518744322}],"sentiment":"neutral","sentiment_score":0.2257436623966152,"num_words":66,"start":1854.19,"end":1873.085},{"sentences":[{"text":"If things change with your occupation, if you decide to take on more work and get regular contributions, we can always come back and look at that again and sort of see how that's tracking down the track.","start":1873.085,"end":1882.37,"sentiment":"neutral","sentiment_score":0.18686040334011378},{"text":"If you get a new job, we'll update the advice to reflect changes to your circumstances there.","start":1882.37,"end":1887.41,"sentiment":"neutral","sentiment_score":0.17714560908429763},{"text":"So it's by no means having a bad effect.","start":1887.41,"end":1890.375,"sentiment":"neutral","sentiment_score":0.3031041787730323},{"text":"You are still increasing.","start":1890.375,"end":1891.655,"sentiment":"positive","sentiment_score":0.4880894646048546},{"text":"You are still getting growth.","start":1891.655,"end":1892.9349,"sentiment":"positive","sentiment_score":0.5110559463500977}],"sentiment":"neutral","sentiment_score":0.23764035452718604,"num_words":73,"start":1873.085,"end":1892.9349},{"sentences":[{"text":"We just wanna keep that compounding forward.","start":1892.9349,"end":1895.355,"sentiment":"positive","sentiment_score":0.44643934283937725},{"text":"And as we need to make changes to your portfolio, that happens.","start":1895.495,"end":1899.095,"sentiment":"neutral","sentiment_score":0.2607962793360154},{"text":"It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you.","start":1899.095,"end":1913.93,"sentiment":"positive","sentiment_score":0.4309158130567901},{"text":"Does that make sense?","start":1913.93,"end":1915.035,"sentiment":"neutral","sentiment_score":0.18124952539801598},{"text":"Yeah.","start":1917.035,"end":1917.515,"sentiment":"positive","sentiment_score":0.3636001944541931}],"sentiment":"positive","sentiment_score":0.38983703955803833,"num_words":73,"start":1892.9349,"end":1917.515},{"sentences":[{"text":"That's okay.","start":1917.515,"end":1918.3351,"sentiment":"positive","sentiment_score":0.41452276706695557},{"text":"The only other thing on the bottom there of that same page is your cash account there.","start":1919.115,"end":1922.9551,"sentiment":"neutral","sentiment_score":0.012192946803920409},{"text":"So you do have a little bit too much cash sitting there at the moment.","start":1922.9551,"end":1925.915,"sentiment":"neutral","sentiment_score":-0.14287132347623507},{"text":"I'm gonna take about 3,900 and reinvest that back into your portfolio.","start":1925.915,"end":1930.255,"sentiment":"neutral","sentiment_score":0.0360151770679901},{"text":"We only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you.","start":1930.73,"end":1940.03,"sentiment":"neutral","sentiment_score":0.05888120675909108}],"sentiment":"neutral","sentiment_score":0.013773238646487395,"num_words":75,"start":1917.515,"end":1940.03},{"sentences":[{"text":"Yeah.","start":1942.01,"end":1942.51,"sentiment":"neutral","sentiment_score":0.26234132051467896},{"text":"That's okay.","start":1942.89,"end":1943.79,"sentiment":"neutral","sentiment_score":0.30777421593666077},{"text":"The only other thing to kinda go through as on page number 24 is that beneficiary side of things.","start":1944.8151,"end":1950.175,"sentiment":"neutral","sentiment_score":0.03538265971368865},{"text":"So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super.","start":1950.175,"end":1970.78,"sentiment":"neutral","sentiment_score":0.02951826784165873},{"text":"They are your children's.","start":1971.195,"end":1972.315,"sentiment":"neutral","sentiment_score":-0.032191723585128784}],"sentiment":"neutral","sentiment_score":0.03640161972296865,"num_words":95,"start":1942.01,"end":1972.315},{"sentences":[{"text":"They meet the definition of a dependent under the CIS Act.","start":1972.315,"end":1975.695,"sentiment":"neutral","sentiment_score":-0.047976246611638504},{"text":"They, unfortunately, don't quite meet the definition of a dependent under the tax act, so they would have to pay tax on the...","start":1975.755,"end":1982.4149,"sentiment":"neutral","sentiment_score":-0.1975551241117975},{"text":"A portion of the benefit.","start":1982.5549,"end":1983.9349,"sentiment":"neutral","sentiment_score":-0.1127137377858162},{"text":"But it's better to do it this way at the moment and update it when you have a will in place rather than leaving it as it is.","start":1985.5599,"end":1992.36,"sentiment":"neutral","sentiment_score":-0.024678969888814857},{"text":"Because as I mentioned before, if you would have passed away now and, you know, that benefit was to be paid out, it would have to go to your estate, which is your legal personal representative.","start":1992.36,"end":2002.585,"sentiment":"neutral","sentiment_score":-0.1398898826705085}],"sentiment":"neutral","sentiment_score":-0.11031186591508318,"num_words":103,"start":1972.315,"end":2002.585},{"sentences":[{"text":"Without having a will in place, the money in your estate then has to go through probate.","start":2003.2849,"end":2008.1849,"sentiment":"neutral","sentiment_score":-0.17243491989724777},{"text":"Probate is a legal process where it goes to the court system.","start":2008.8049,"end":2012.0,"sentiment":"neutral","sentiment_score":-0.08928734188278516},{"text":"Essentially, they go out there and look for beneficiaries.","start":2012.3,"end":2014.8,"sentiment":"neutral","sentiment_score":-0.023747394068373576},{"text":"People can come forward and make a claim.","start":2015.1,"end":2017.04,"sentiment":"neutral","sentiment_score":0.03227325016632676},{"text":"There's no guarantees they'll be able to claim on that.","start":2017.1,"end":2019.8201,"sentiment":"neutral","sentiment_score":-0.06526515409350395}],"sentiment":"neutral","sentiment_score":-0.08233988976904325,"num_words":56,"start":2003.2849,"end":2019.8201},{"sentences":[{"text":"However, they can make that claim.","start":2019.8201,"end":2021.6,"sentiment":"neutral","sentiment_score":0.2944660857319832},{"text":"And then the court system decides how that's going to be distributed in accordance with the state laws.","start":2021.8201,"end":2027.5549,"sentiment":"neutral","sentiment_score":0.16490932885143492},{"text":"So it does mean that the people that you want the money directed to may not may not receive it essentially or may not receive the portion that you wanted them to get.","start":2027.7749,"end":2036.4149,"sentiment":"neutral","sentiment_score":0.0028314156965775924},{"text":"So updating that beneficiary nomination to reflect that directly for the time being is appropriate and making sure that your two children are able to claim their portion correctly in the event that you were able to pass away.","start":2036.4149,"end":2050.07,"sentiment":"positive","sentiment_score":0.4359740763902664},{"text":"And when and if you get a will completed, then we can always update that down the track to make it a more tax effective beneficiary for you.","start":2050.07,"end":2056.365,"sentiment":"positive","sentiment_score":0.3905550683183329}],"sentiment":"neutral","sentiment_score":0.2642510648696653,"num_words":124,"start":2019.8201,"end":2056.365},{"sentences":[{"text":"Okay?","start":2057.325,"end":2057.825,"sentiment":"neutral","sentiment_score":0.23794658482074735},{"text":"That's okay.","start":2058.925,"end":2059.825,"sentiment":"positive","sentiment_score":0.3772781640291214},{"text":"I've also got a little bit in there below about doing up a will and power of attorney.","start":2059.9648,"end":2065.345,"sentiment":"neutral","sentiment_score":0.16243118213282692},{"text":"We can refer you to a solicitor.","start":2065.965,"end":2067.585,"sentiment":"neutral","sentiment_score":0.1056585939867156},{"text":"Alternatively, if you have a local solicitor that you're comfortable talking to that you would like to seek, you can just go in there, speak to them, find out how much they charge for doing up a will and power of attorney, and then having those sorts of documents done up there.","start":2067.645,"end":2080.02,"sentiment":"neutral","sentiment_score":0.13503094060489765}],"sentiment":"neutral","sentiment_score":0.1459685407578945,"num_words":80,"start":2057.325,"end":2080.02},{"sentences":[{"text":"It is really important to have those sorts of things done up.","start":2080.02,"end":2083.0,"sentiment":"neutral","sentiment_score":0.14104094915091991},{"text":"Beneficiary nominations look after your super and your life insurance.","start":2083.22,"end":2086.74,"sentiment":"neutral","sentiment_score":0.15779509842395784},{"text":"But a lot of people look around and go, look.","start":2086.74,"end":2088.855,"sentiment":"neutral","sentiment_score":0.025682146847248077},{"text":"I don't really have very much.","start":2088.855,"end":2090.2952,"sentiment":"neutral","sentiment_score":-0.08095437909166019},{"text":"But, realistically, if you look around your cars, your savings, your, you know, family heirlooms and things that are important to you, they still need to be directed to the person that you want them to be directed to, and having a will done up is a really important way of doing that.","start":2090.2952,"end":2104.4302,"sentiment":"neutral","sentiment_score":0.21588919817839028}],"sentiment":"neutral","sentiment_score":0.15916115463107497,"num_words":91,"start":2080.02,"end":2104.4302},{"sentences":[{"text":"You can also just get a will kit from the post office and fill it out.","start":2104.8901,"end":2108.6702,"sentiment":"neutral","sentiment_score":0.14886211603879929},{"text":"They're about $30.35 odd dollars.","start":2108.8901,"end":2111.07,"sentiment":"neutral","sentiment_score":0.22691197395324708},{"text":"And as long as you fill it out as per the directions, it is a valid will kit.","start":2111.53,"end":2116.03,"sentiment":"neutral","sentiment_score":0.2791039107574357},{"text":"The benefit to having it done through a solicitor is that it...","start":2116.545,"end":2119.9849,"sentiment":"neutral","sentiment_score":0.27912503232558566},{"text":"Whilst every will is contestable, it is less contestable.","start":2119.9849,"end":2123.765,"sentiment":"neutral","sentiment_score":-0.143084569937653}],"sentiment":"neutral","sentiment_score":0.17669938964148363,"num_words":60,"start":2104.8901,"end":2123.765},{"sentences":[{"text":"So wills are more likely to be adhered to or go through the court system and be, you know, referenced if they are done through a solicitor and they are done up correctly.","start":2124.065,"end":2133.96,"sentiment":"neutral","sentiment_score":0.12810364004337427},{"text":"Will kits tend to be a little bit more contestable and don't hold up as often.","start":2134.34,"end":2138.52,"sentiment":"neutral","sentiment_score":-0.11650434928014874},{"text":"So there are those sorts of advantages to seeking the services of a solicitor, albeit it can be a little bit more expensive to do so.","start":2138.58,"end":2147.385,"sentiment":"neutral","sentiment_score":0.32896604331640095},{"text":"Okay.","start":2147.605,"end":2148.105,"sentiment":"neutral","sentiment_score":0.03991718217730522},{"text":"Yeah.","start":2155.685,"end":2156.185,"sentiment":"neutral","sentiment_score":0.04567645117640495}],"sentiment":"neutral","sentiment_score":0.1428839128899884,"num_words":77,"start":2124.065,"end":2156.185},{"sentences":[{"text":"Yeah.","start":2158.31,"end":2158.71,"sentiment":"neutral","sentiment_score":0.07660086452960968},{"text":"It tends to depend on what you need done, but a simple will kit can be done anywhere from, say, 2 to $500.","start":2158.71,"end":2166.17,"sentiment":"neutral","sentiment_score":0.09708884990085727},{"text":"I know mine was a little bit more complex, so it did cost my will, power of attorney, and guardianship documents a bit over 1,000.","start":2166.95,"end":2174.175,"sentiment":"neutral","sentiment_score":-0.04469108708202839},{"text":"But, you know, will and power of attorney, if you're just having something very simple, they can normally do anywhere from 2 to $500 simply.","start":2175.595,"end":2182.895,"sentiment":"neutral","sentiment_score":0.16916704066097737},{"text":"You know, a solicitor may charge a little bit more.","start":2183.98,"end":2186.3,"sentiment":"neutral","sentiment_score":0.07628519833087921}],"sentiment":"neutral","sentiment_score":0.07362375279799813,"num_words":84,"start":2158.31,"end":2186.3},{"sentences":[{"text":"You could even just, you know, go online, have a look, and do a web inquiry into a a few different local solicitors to see what they might charge just to do a basic will kit to cover you and maybe power of attorney as well.","start":2186.3,"end":2198.485,"sentiment":"neutral","sentiment_score":0.16647104352064754},{"text":"Yeah.","start":2198.485,"end":2198.985,"sentiment":"neutral","sentiment_score":0.0927741676568985},{"text":"Yeah.","start":2200.965,"end":2201.465,"sentiment":"neutral","sentiment_score":0.25252553820610046},{"text":"Easy.","start":2201.925,"end":2202.425,"sentiment":"neutral","sentiment_score":0.2708134055137634},{"text":"The only other section I need to sort of show you is if you go down to page 34 for me...","start":2203.365,"end":2208.505,"sentiment":"neutral","sentiment_score":0.045929032643990855}],"sentiment":"neutral","sentiment_score":0.1319755828407194,"num_words":70,"start":2186.3,"end":2208.505},{"sentences":[{"text":"Beautiful.","start":2210.1099,"end":2210.43,"sentiment":"neutral","sentiment_score":0.2973392605781555},{"text":"This is just showing you the ongoing...","start":2210.43,"end":2211.97,"sentiment":"neutral","sentiment_score":0.13144212641886302},{"text":"The remuneration side of things.","start":2212.03,"end":2213.79,"sentiment":"neutral","sentiment_score":0.12196634709835052},{"text":"So where there's no implementation or no upfront fees for the advice, that is all part of our services as you've been an ongoing service client.","start":2213.79,"end":2221.0898,"sentiment":"neutral","sentiment_score":0.16688329669145438},{"text":"You pay the ongoing service fee, which is estimated in the projection table in here for you as well.","start":2221.63,"end":2227.395,"sentiment":"neutral","sentiment_score":0.1467030699315824}],"sentiment":"neutral","sentiment_score":0.15437224006344533,"num_words":58,"start":2210.1099,"end":2227.395},{"sentences":[{"text":"And with the Ascendor policy, we do receive ongoing remuneration from them.","start":2227.615,"end":2232.095,"sentiment":"neutral","sentiment_score":0.1508280485868454},{"text":"At the moment, based on 22%, which is the legislative percentage we receive, they pay us $1,486.","start":2232.095,"end":2239.67,"sentiment":"neutral","sentiment_score":0.06429803415256388},{"text":"That has no reflection of our recommendations in any way, shape, or form.","start":2240.05,"end":2243.57,"sentiment":"neutral","sentiment_score":-0.2381722520177181},{"text":"What we do is in your best interest to help you meet your goals, and we are going through that process of having your loading reviewed as well, which will make your premium cheaper, which means the amount we receive will also reduce as well.","start":2243.57,"end":2254.945,"sentiment":"positive","sentiment_score":0.37539624571800234},{"text":"So this is just disclosing how much we receive and how that works there for you, but just making sure you're aware that that has no reflection on my recommendations.","start":2254.945,"end":2264.405,"sentiment":"neutral","sentiment_score":0.1127076563735803}],"sentiment":"neutral","sentiment_score":0.1716309797942129,"num_words":117,"start":2227.615,"end":2264.405},{"sentences":[{"text":"I work in your best interest.","start":2264.625,"end":2266.08,"sentiment":"neutral","sentiment_score":0.17649645109971365},{"text":"Okay.","start":2266.6401,"end":2267.1401,"sentiment":"neutral","sentiment_score":0.03717512637376785},{"text":"Absolutely.","start":2271.84,"end":2272.34,"sentiment":"neutral","sentiment_score":0.07508740574121475},{"text":"Yeah.","start":2272.4001,"end":2272.8,"sentiment":"neutral","sentiment_score":0.06949791312217712},{"text":"So the life insurance remuneration's legislated and standardized across the board.","start":2272.8,"end":2277.76,"sentiment":"neutral","sentiment_score":0.11243852363391356}],"sentiment":"neutral","sentiment_score":0.12387814559042454,"num_words":20,"start":2264.625,"end":2277.76},{"sentences":[{"text":"It's 66% of the first year's premium and 22% they're ongoing.","start":2277.76,"end":2282.125,"sentiment":"neutral","sentiment_score":0.09276904368942435},{"text":"And it's being standardized because believe it or not, back in the cowboy days, essentially, advisors used to get a 100 to a 110% upfront remuneration from insurance companies.","start":2282.125,"end":2294.67,"sentiment":"neutral","sentiment_score":0.02293034748110021},{"text":"So that was pretty hefty kind of remuneration.","start":2294.89,"end":2298.1099,"sentiment":"neutral","sentiment_score":-0.027047355426475406},{"text":"It became, you know, a lot of swapping and changing, and a lot of things happened back in those days.","start":2299.0498,"end":2304.8298,"sentiment":"neutral","sentiment_score":-0.023868650756776334},{"text":"And so...","start":2305.8848,"end":2306.7048,"sentiment":"neutral","sentiment_score":-0.024994163773953915}],"sentiment":"neutral","sentiment_score":0.013452848163433373,"num_words":70,"start":2277.76,"end":2306.7048},{"sentences":[{"text":"Absolutely.","start":2307.4849,"end":2307.9849,"sentiment":"neutral","sentiment_score":0.1302589774131775},{"text":"And so standardization needed to occur of the remuneration aspect there.","start":2308.285,"end":2313.005,"sentiment":"neutral","sentiment_score":0.05370826308022846},{"text":"So that's why it is 66% of the first year's premium, 22%, they're ongoing.","start":2313.005,"end":2317.7449,"sentiment":"neutral","sentiment_score":0.07791964869414057},{"text":"But through the advice document, when you take some time to review it, you'll note that I've got best interest, Judy, in there, so relating my recommendations back to your goals and why this is in your best interest.","start":2318.55,"end":2328.87,"sentiment":"neutral","sentiment_score":0.1517103020197306},{"text":"So the fee side of things isn't the most important for me.","start":2328.87,"end":2331.99,"sentiment":"neutral","sentiment_score":-0.17099564522504807}],"sentiment":"neutral","sentiment_score":0.07372310375431915,"num_words":77,"start":2307.4849,"end":2331.99},{"sentences":[{"text":"It's about making sure things are working harder for you.","start":2331.99,"end":2334.8252,"sentiment":"neutral","sentiment_score":-0.10070541203022003},{"text":"Okay.","start":2334.965,"end":2335.465,"sentiment":"neutral","sentiment_score":0.094367653131485},{"text":"Yeah.","start":2337.0452,"end":2337.365,"sentiment":"neutral","sentiment_score":0.27627232670783997},{"text":"Excellent.","start":2337.365,"end":2337.865,"sentiment":"positive","sentiment_score":0.5263277292251587},{"text":"That's basic...","start":2339.125,"end":2339.945,"sentiment":"neutral","sentiment_score":0.17552071064710617}],"sentiment":"neutral","sentiment_score":0.016063667337099713,"num_words":15,"start":2331.99,"end":2339.945},{"sentences":[{"text":"That's okay.","start":2340.0051,"end":2340.725,"sentiment":"neutral","sentiment_score":0.1942862719297409},{"text":"That is basically everything.","start":2340.725,"end":2342.2651,"sentiment":"neutral","sentiment_score":0.1804366298019886},{"text":"I'll let you take that back to have some time to read it over.","start":2342.645,"end":2345.5251,"sentiment":"neutral","sentiment_score":0.14667487304125512},{"text":"I know it is a lot first thing in the morning, so take some time to read the document.","start":2345.5251,"end":2349.92,"sentiment":"neutral","sentiment_score":0.08567082803500325},{"text":"If you find you have questions, you're welcome to let me know.","start":2349.92,"end":2352.9,"sentiment":"neutral","sentiment_score":0.25085460146268207}],"sentiment":"neutral","sentiment_score":0.152975847762005,"num_words":51,"start":2340.0051,"end":2352.9},{"sentences":[{"text":"If you're happy to take the advice and make the changes, we'll just get you to sign and return that back.","start":2353.68,"end":2358.495,"sentiment":"positive","sentiment_score":0.33645623212768916},{"text":"Implementation wise, how we'll proceed with this is once you sign and return the document back, our team will make the changes within your investment portfolio in your super.","start":2359.0552,"end":2367.875,"sentiment":"neutral","sentiment_score":0.16122657754297914},{"text":"They'll do the switch in the back end.","start":2368.0151,"end":2369.5352,"sentiment":"neutral","sentiment_score":0.12171581108123064},{"text":"You'll probably get emails to say we're making those changes, and then we'll get your beneficiary nominations also sent out to you so they can be updated on your ascender policy.","start":2369.5352,"end":2380.1401,"sentiment":"neutral","sentiment_score":0.1647680574847806},{"text":"And in the meantime, we'll get that loading reviewed for you on your heart murmur as well.","start":2380.36,"end":2384.685,"sentiment":"neutral","sentiment_score":0.11668485140099245}],"sentiment":"neutral","sentiment_score":0.1868521732822904,"num_words":106,"start":2353.68,"end":2384.685},{"sentences":[{"text":"Okay?","start":2384.845,"end":2385.345,"sentiment":"neutral","sentiment_score":0.0672188475728035},{"text":"Yeah.","start":2392.2852,"end":2392.7852,"sentiment":"neutral","sentiment_score":0.013965297490358353},{"text":"Abs...","start":2393.965,"end":2394.465,"sentiment":"neutral","sentiment_score":0.014514097943902016},{"text":"Yeah.","start":2395.245,"end":2395.745,"sentiment":"neutral","sentiment_score":0.013207076117396356},{"text":"Absolutely.","start":2398.3298,"end":2398.8298,"sentiment":"neutral","sentiment_score":0.21228908002376556}],"sentiment":"neutral","sentiment_score":0.06423887982964516,"num_words":5,"start":2384.845,"end":2398.8298},{"sentences":[{"text":"Yeah.","start":2399.29,"end":2399.6099,"sentiment":"neutral","sentiment_score":0.2204088568687439},{"text":"Protecting everything else that you've worked so hard for.","start":2399.6099,"end":2402.73,"sentiment":"neutral","sentiment_score":0.3245513339837392},{"text":"Absolutely.","start":2402.73,"end":2403.23,"sentiment":"neutral","sentiment_score":0.2538306713104248},{"text":"Yeah.","start":2404.01,"end":2404.51,"sentiment":"neutral","sentiment_score":0.17811085283756256},{"text":"Yeah.","start":2404.73,"end":2405.13,"sentiment":"neutral","sentiment_score":0.27146777510643005}],"sentiment":"neutral","sentiment_score":0.29575232015206265,"num_words":13,"start":2399.29,"end":2405.13},{"sentences":[{"text":"Beautiful.","start":2405.13,"end":2405.63,"sentiment":"positive","sentiment_score":0.5040415525436401},{"text":"Is there any questions that you can think of that you might need answered at the moment there, Jay?","start":2406.97,"end":2410.97,"sentiment":"neutral","sentiment_score":0.06510839552471512},{"text":"Is there anything that's come up in amongst that?","start":2410.97,"end":2413.205,"sentiment":"neutral","sentiment_score":-0.028816779092368152},{"text":"No?","start":2413.3452,"end":2413.8452,"sentiment":"neutral","sentiment_score":-0.0433909147977829},{"text":"Beautiful.","start":2415.0251,"end":2415.5251,"sentiment":"neutral","sentiment_score":0.145548477768898}],"sentiment":"neutral","sentiment_score":0.05109379415009772,"num_words":31,"start":2405.13,"end":2415.5251},{"sentences":[{"text":"That's okay.","start":2417.8252,"end":2418.5652,"sentiment":"neutral","sentiment_score":0.12259353324770927},{"text":"Beautiful.","start":2422.225,"end":2422.725,"sentiment":"neutral","sentiment_score":0.11640340089797974},{"text":"Absolutely.","start":2428.0,"end":2428.5,"sentiment":"neutral","sentiment_score":0.02136681042611599},{"text":"Yeah.","start":2429.36,"end":2429.86,"sentiment":"neutral","sentiment_score":0.033518142998218536},{"text":"Fantastic.","start":2432.16,"end":2432.66,"sentiment":"positive","sentiment_score":0.3493896722793579}],"sentiment":"neutral","sentiment_score":0.12764418218284845,"num_words":6,"start":2417.8252,"end":2432.66},{"sentences":[{"text":"Excellent.","start":2436.6548,"end":2437.1548,"sentiment":"positive","sentiment_score":0.5548253655433655},{"text":"Thank...","start":2437.4548,"end":2437.6948,"sentiment":"positive","sentiment_score":0.5334109663963318},{"text":"My pleasure.","start":2437.6948,"end":2438.515,"sentiment":"positive","sentiment_score":0.5832040309906006},{"text":"Yes.","start":2443.4548,"end":2443.9548,"sentiment":"neutral","sentiment_score":0.23508164286613464},{"text":"Absolutely.","start":2446.575,"end":2447.075,"sentiment":"neutral","sentiment_score":0.10139163583517076}],"sentiment":"positive","sentiment_score":0.43185294543703395,"num_words":6,"start":2436.6548,"end":2447.075},{"sentences":[{"text":"And that's really important.","start":2447.855,"end":2449.1548,"sentiment":"neutral","sentiment_score":0.18893814831972122},{"text":"You know, you've worked really hard.","start":2449.2148,"end":2450.44,"sentiment":"neutral","sentiment_score":0.05563486802081267},{"text":"You will work really hard.","start":2450.44,"end":2451.72,"sentiment":"neutral","sentiment_score":0.02474415972828865},{"text":"By the time you get to retirement, you've basically worked a lifetime.","start":2451.72,"end":2454.86,"sentiment":"neutral","sentiment_score":0.04196493917455276},{"text":"So making sure that you understand what we're doing, why we're doing it, how we're doing it is really important.","start":2454.92,"end":2460.7,"sentiment":"positive","sentiment_score":0.40132448822259903}],"sentiment":"neutral","sentiment_score":0.20730535392748548,"num_words":47,"start":2447.855,"end":2460.7},{"sentences":[{"text":"I love the educational value of my job, helping you understand what we're doing because no one learns any of this at school.","start":2460.76,"end":2467.105,"sentiment":"positive","sentiment_score":0.7098075630872146},{"text":"We all have to come out and learn it as adults.","start":2467.405,"end":2469.665,"sentiment":"positive","sentiment_score":0.590625218369744},{"text":"But, also, making sure that you're empowered to be able to do things as well is really important to me.","start":2470.125,"end":2475.165,"sentiment":"positive","sentiment_score":0.6384579449892044},{"text":"So, yeah, I'm glad that I was able to help you with that.","start":2475.165,"end":2478.305,"sentiment":"positive","sentiment_score":0.78212859080388},{"text":"Thank you.","start":2480.97,"end":2481.79,"sentiment":"positive","sentiment_score":0.5677079856395721}],"sentiment":"positive","sentiment_score":0.679633302965026,"num_words":69,"start":2460.76,"end":2481.79},{"sentences":[{"text":"Oh, thank you.","start":2483.1301,"end":2484.4302,"sentiment":"neutral","sentiment_score":0.13786127666632333},{"text":"Thank you so much.","start":2485.4502,"end":2486.75,"sentiment":"positive","sentiment_score":0.6099554672837257},{"text":"Easy.","start":2487.6902,"end":2488.1902,"sentiment":"positive","sentiment_score":0.4647948741912842},{"text":"Thank you for your time, Jay.","start":2488.8901,"end":2490.25,"sentiment":"positive","sentiment_score":0.7086132566134135},{"text":"I'll let you go.","start":2490.25,"end":2491.05,"sentiment":"positive","sentiment_score":0.6948567032814026}],"sentiment":"positive","sentiment_score":0.5749614958961805,"num_words":18,"start":2483.1301,"end":2491.05},{"sentences":[{"text":"I hope you have a good rest of your day.","start":2491.05,"end":2493.23,"sentiment":"positive","sentiment_score":0.7096489548683167},{"text":"My pleasure.","start":2497.865,"end":2498.665,"sentiment":"positive","sentiment_score":0.6764528751373291},{"text":"I'll talk to you soon.","start":2498.665,"end":2500.0452,"sentiment":"positive","sentiment_score":0.443777596950531},{"text":"Thanks.","start":2502.105,"end":2502.5051,"sentiment":"positive","sentiment_score":0.5253148674964905},{"text":"See you later.","start":2502.5051,"end":2503.145,"sentiment":"positive","sentiment_score":0.3850604196389516}],"sentiment":"positive","sentiment_score":0.5880371147678012,"num_words":21,"start":2491.05,"end":2503.145},{"sentences":[{"text":"Bye.","start":2503.145,"end":2503.645,"sentiment":"neutral","sentiment_score":-0.09333541989326476}],"sentiment":"neutral","sentiment_score":-0.09333541989326476,"num_words":1,"start":2503.145,"end":2503.645}]}}]},{"alternatives":[{"transcript":"Yes. Sorry, Diana. I'm not sure. Yeah. Oh, no. I'm sick. No. I think it's mine. I think I don't have great phone reception today by the look of it. So Yeah. No. Look, if it happens to me, I'll try it again myself and... Yeah. Yes. I realized that too because I did call back. Yeah. Yeah. I think there was an email coming out via mobile number or something that I could contact you or something. I I think it's back. Yeah. I'm sure it said something like that yesterday, but, yeah, I'm not sure. I don't know. Yeah. Yeah. I think it was... Yeah. Yep. Page 14. Actually, what... I think we're we're sort of just going back to page 12 about the about the the insurances. I think it's 12 or 13, is it? Yep. Page 11? Oh, you said it's page 11. It's 12 on my computer. It's... So just noting down the bottom, it says, please note this is a 15% rebated amount from the total as it is through super. Can you... So is that the total that I pay per year for that in... For those insurances? Yep. And that's going up per year too, isn't it? That Right. Yes. I was gonna talk to you about that later going through from from Caden Melbourne. They're going through the review process. We can talk about that later if you wanted to just go through this form first. Okay. Yeah. Look. Well, it was important, and I did say to... I can't remember her name. It might have been Wendy on the phone or something last... Yesterday afternoon. Yeah. Going through that document, I I I sorta had the concern that I would end up having more conditions because, you know, there was other things that were coming up on there that probably, you know, weren't sort of applicable back when I first started this insurance, particularly around mental health or, you know, certain other aspects. And I thought, oh gosh. This is just gonna be this is gonna work to my detriment, if that makes sense. And I thought, yeah, I might not even be... It might not be worthwhile now. I can go through the process, but it was still with Ascender too. So I I don't know. I I don't know what the right thing or, you know, what the the correct thing to do there is. No. Right. It does. It does. And I think just trying to be diligent in reading everything, I lost the fact that we were just looking at the loading rather than all the other details that it wanted. So... Yeah. Yes. I was probably. So I've just signed that as we were talking just within the realization of what you've... What you were saying there. So... No. Look. That's great. Okay. Thanks, Dana. Just lastly, with before moving on from the insurances, so that even with the rebated amount, that's 6,900 per year. Is that awfully high, like, just with what you've seen with other... I mean, it's hard to compare, but you... You've sort of got a good baseline for that. I mean I mean, I guess that's why we're doing the review because there is, you know, that... But I guess every year just looking at whether it's worthwhile, you know, trying to weigh up whether that money coming out is, you know, that safety net, you know, for something that may not happen anyway. I mean, insurances may not get paid out or or there's still a lot of risk with an insurance an insurance... What do you call it? Premium being being paid out to, you know, yourself or or, you know, dependents or what have you. So Yes. Yes. Of course. Do we have an idea how much... It's a 50% loading, wasn't it? Is it? Yeah. That's alright. Oh, wow. Yep. Yep. Definitely. Yeah. Okay. Excellent. Alright. We can continue on with the the portfolio if you like, Dana. Oh, yeah. Yep. Okay. Yeah. Okay. Yes. Yep. Mhmm. Okay. What page what page what what page are we looking at there? Sorry. Is it just the... No. It's still 19. Yep. Yep. Yes. Yep. I was just curious. So with that investment fee, I mean, for the difference, it's only a a $450 difference. So we're just looking at sort of figures. But what are we losing by saving that $400? I know it was just the more broader buying and selling, which we're doing a lot. And then when I I scroll down to page 21, it sort of seems to highlight the buy and selling differentials there. But is that is that what the change is? Is that what the change is there? It does. Yeah. Okay. Yep. Okay. Yep. Yep. Okay. Yep. Okay. Yep. Yep. Okay. Yep. K. Okay. Is that worthwhile? Like, is there fees involved with just selling such a small amount? Or Of course. You're immune. Yes. Yep. Okay. Okay. K. Yep. Okay. K. Well, okay. Yep. Look, I only an intuitive question that I know that you when we set out here, there was... And the fact that I wasn't putting in a lot of money into my super at the moment. Does... Did that weigh then more than it should have in my investment portfolio on what I was investing in because I wasn't putting in that much. And you've mentioned that... No. So this is still a good rounded account, a good rounded investment portfolio even even for someone who's contributing, you know, a good amount, a normal sort of 11% from their wage sort of thing. That is... Yeah. Okay. Yeah. It does. Yep. Thanks, Diana. Okay. Yep. Thank you. Okay. Thank you. Yeah. Mhmm. How much is it? Usually, like, couple $100. I suppose it depends a few $100 an hour out there. Our lawyer usually. So Yep. Well, That's true. Yep. Yep. Mhmm. Would you... I mean, did... Would you get that from any, life insurance company then? Or Or... Yeah. Well, it's a little different. Yeah. Yeah. Yeah. Yep. Okay. Thank you. Okay. And then I can follow-up and do that that legal will sort of things and let you know because, yeah, there was some benefit there to do that too, wasn't there? Yeah. Yeah. Of course. Yeah. No. No. Like, we've covered everything, Dana, as as usual. Yeah. I appreciate that. So, no, I I... I'll just read over that and and should sign it later later or in a couple of hours once I've Had to think that that we've... I think we've covered everything. So I've been keeping up looking through as well. So just... Yeah. All good. Thank you kindly. It's a, yeah, good document. Gives me some gives me some things that I need to to action as well. It just keeps me sort of empowered with it, I I I guess. So... Yeah. No. It's good. Yeah. No. You're good at it, Dana. Thank you. I I do recommend you guys. So... Or when things come up. So... Yep. I'll... Yeah. Alright. Alright. Yes. Yeah. You too. Thanks, Dana. Yeah. Okay. See you soon. 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Sorry, Diana. I'm not sure. Yeah. Oh, no.\n\nI'm sick. No. I think it's mine. I think I don't have great phone reception today by the look of it. So Yeah.\n\nNo. Look, if it happens to me, I'll try it again myself and... Yeah. Yes. I realized that too because I did call back.\n\nYeah. Yeah. I think there was an email coming out via mobile number or something that I could contact you or something. I I think it's back. Yeah.\n\nI'm sure it said something like that yesterday, but, yeah, I'm not sure. I don't know. Yeah. Yeah. I think it was...\n\nYeah. Yep. Page 14. Actually, what... I think we're we're sort of just going back to page 12 about the about the the insurances.\n\nI think it's 12 or 13, is it? Yep. Page 11? Oh, you said it's page 11. It's 12 on my computer.\n\nIt's... So just noting down the bottom, it says, please note this is a 15% rebated amount from the total as it is through super. Can you... So is that the total that I pay per year for that in... For those insurances?\n\nYep. And that's going up per year too, isn't it? That Right. Yes. I was gonna talk to you about that later going through from from Caden Melbourne.\n\nThey're going through the review process. We can talk about that later if you wanted to just go through this form first. Okay. Yeah. Look.\n\nWell, it was important, and I did say to... I can't remember her name. It might have been Wendy on the phone or something last... Yesterday afternoon. Yeah.\n\nGoing through that document, I I I sorta had the concern that I would end up having more conditions because, you know, there was other things that were coming up on there that probably, you know, weren't sort of applicable back when I first started this insurance, particularly around mental health or, you know, certain other aspects. And I thought, oh gosh. This is just gonna be this is gonna work to my detriment, if that makes sense. And I thought, yeah, I might not even be... It might not be worthwhile now.\n\nI can go through the process, but it was still with Ascender too. So I I don't know. I I don't know what the right thing or, you know, what the the correct thing to do there is. No. Right.\n\nIt does. It does. And I think just trying to be diligent in reading everything, I lost the fact that we were just looking at the loading rather than all the other details that it wanted. So... Yeah.\n\nYes. I was probably. So I've just signed that as we were talking just within the realization of what you've... What you were saying there. So...\n\nNo. Look. That's great. Okay. Thanks, Dana.\n\nJust lastly, with before moving on from the insurances, so that even with the rebated amount, that's 6,900 per year. Is that awfully high, like, just with what you've seen with other... I mean, it's hard to compare, but you... You've sort of got a good baseline for that. I mean I mean, I guess that's why we're doing the review because there is, you know, that...\n\nBut I guess every year just looking at whether it's worthwhile, you know, trying to weigh up whether that money coming out is, you know, that safety net, you know, for something that may not happen anyway. I mean, insurances may not get paid out or or there's still a lot of risk with an insurance an insurance... What do you call it? Premium being being paid out to, you know, yourself or or, you know, dependents or what have you. So Yes.\n\nYes. Of course. Do we have an idea how much... It's a 50% loading, wasn't it? Is it?\n\nYeah. That's alright. Oh, wow. Yep. Yep.\n\nDefinitely. Yeah. Okay. Excellent. Alright.\n\nWe can continue on with the the portfolio if you like, Dana. Oh, yeah. Yep. Okay. Yeah.\n\nOkay. Yes. Yep. Mhmm. Okay.\n\nWhat page what page what what page are we looking at there? Sorry. Is it just the... No. It's still 19.\n\nYep. Yep. Yes. Yep. I was just curious.\n\nSo with that investment fee, I mean, for the difference, it's only a a $450 difference. So we're just looking at sort of figures. But what are we losing by saving that $400? I know it was just the more broader buying and selling, which we're doing a lot. And then when I I scroll down to page 21, it sort of seems to highlight the buy and selling differentials there.\n\nBut is that is that what the change is? Is that what the change is there? It does. Yeah. Okay.\n\nYep. Okay. Yep. Yep. Okay.\n\nYep. Okay. Yep. Yep. Okay.\n\nYep. K. Okay. Is that worthwhile? Like, is there fees involved with just selling such a small amount?\n\nOr Of course. You're immune. Yes. Yep. Okay.\n\nOkay. K. Yep. Okay. K.\n\nWell, okay. Yep. Look, I only an intuitive question that I know that you when we set out here, there was... And the fact that I wasn't putting in a lot of money into my super at the moment. Does...\n\nDid that weigh then more than it should have in my investment portfolio on what I was investing in because I wasn't putting in that much. And you've mentioned that... No. So this is still a good rounded account, a good rounded investment portfolio even even for someone who's contributing, you know, a good amount, a normal sort of 11% from their wage sort of thing. That is...\n\nYeah. Okay. Yeah. It does. Yep.\n\nThanks, Diana. Okay. Yep. Thank you. Okay.\n\nThank you. Yeah. Mhmm. How much is it? Usually, like, couple $100.\n\nI suppose it depends a few $100 an hour out there. Our lawyer usually. So Yep. Well, That's true. Yep.\n\nYep. Mhmm. Would you... I mean, did... Would you get that from any, life insurance company then?\n\nOr Or... Yeah. Well, it's a little different. Yeah. Yeah.\n\nYeah. Yep. Okay. Thank you. Okay.\n\nAnd then I can follow-up and do that that legal will sort of things and let you know because, yeah, there was some benefit there to do that too, wasn't there? Yeah. Yeah. Of course. Yeah.\n\nNo. No. Like, we've covered everything, Dana, as as usual. Yeah. I appreciate that.\n\nSo, no, I I... I'll just read over that and and should sign it later later or in a couple of hours once I've Had to think that that we've... I think we've covered everything. So I've been keeping up looking through as well. So just...\n\nYeah. All good. Thank you kindly. It's a, yeah, good document. Gives me some gives me some things that I need to to action as well.\n\nIt just keeps me sort of empowered with it, I I I guess. So... Yeah. No. It's good.\n\nYeah. No. You're good at it, Dana. Thank you. I I do recommend you guys.\n\nSo... Or when things come up. So... Yep. I'll...\n\nYeah. Alright. Alright. Yes. Yeah.\n\nYou too. Thanks, Dana. Yeah. Okay. See you soon.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Yes.","start":2.72,"end":3.04,"sentiment":"neutral","sentiment_score":0.046988531947135925},{"text":"Sorry, Diana.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":-0.053185995668172836},{"text":"I'm not sure.","start":3.84,"end":4.72,"sentiment":"neutral","sentiment_score":-0.12876643737157187},{"text":"Yeah.","start":4.72,"end":5.22,"sentiment":"neutral","sentiment_score":-0.09203818440437316},{"text":"Oh, no.","start":6.8799996,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.1752268522977829}],"sentiment":"neutral","sentiment_score":-0.09868607338931826,"num_words":9,"start":2.72,"end":7.3599997},{"sentences":[{"text":"I'm sick.","start":7.3599997,"end":9.74,"sentiment":"neutral","sentiment_score":-0.2555510550737381},{"text":"No.","start":11.12,"end":11.36,"sentiment":"neutral","sentiment_score":-0.18965841829776764},{"text":"I think it's mine.","start":11.36,"end":12.2,"sentiment":"neutral","sentiment_score":-0.17254513502120972},{"text":"I think I don't have great phone reception today by the look of it.","start":12.2,"end":15.915,"sentiment":"negative","sentiment_score":-0.4672978073358536},{"text":"So Yeah.","start":15.915,"end":30.859999,"sentiment":"neutral","sentiment_score":-0.07548248954117298}],"sentiment":"negative","sentiment_score":-0.35148153697019036,"num_words":23,"start":7.3599997,"end":30.859999},{"sentences":[{"text":"No.","start":35.96,"end":36.28,"sentiment":"neutral","sentiment_score":-0.1282854676246643},{"text":"Look, if it happens to me, I'll try it again myself and...","start":36.28,"end":39.5,"sentiment":"neutral","sentiment_score":-0.10246459456781547},{"text":"Yeah.","start":40.28,"end":40.78,"sentiment":"neutral","sentiment_score":0.029340622946619987},{"text":"Yes.","start":56.125,"end":56.525,"sentiment":"neutral","sentiment_score":0.03682765364646912},{"text":"I realized that too because I did call back.","start":56.525,"end":59.025,"sentiment":"neutral","sentiment_score":0.008501839720540576}],"sentiment":"neutral","sentiment_score":-0.05063232368168732,"num_words":24,"start":35.96,"end":59.025},{"sentences":[{"text":"Yeah.","start":59.485,"end":59.985,"sentiment":"neutral","sentiment_score":-0.08766931295394897},{"text":"Yeah.","start":62.25,"end":62.75,"sentiment":"neutral","sentiment_score":4.332512617111206e-6},{"text":"I think there was an email coming out via mobile number or something that I could contact you or something.","start":64.97,"end":72.25,"sentiment":"neutral","sentiment_score":0.04603052232414484},{"text":"I I think it's back.","start":72.25,"end":74.025,"sentiment":"neutral","sentiment_score":0.03326695188879967},{"text":"Yeah.","start":74.085,"end":74.325,"sentiment":"neutral","sentiment_score":0.007976114749908447}],"sentiment":"neutral","sentiment_score":0.03597344072269542,"num_words":28,"start":59.485,"end":74.325},{"sentences":[{"text":"I'm sure it said something like that yesterday, but, yeah, I'm not sure.","start":74.325,"end":80.744995,"sentiment":"neutral","sentiment_score":-0.0662610585299822},{"text":"I don't know.","start":81.524994,"end":82.345,"sentiment":"neutral","sentiment_score":-0.07604936386148135},{"text":"Yeah.","start":82.645,"end":83.145,"sentiment":"neutral","sentiment_score":0.07294796407222748},{"text":"Yeah.","start":92.619995,"end":92.94,"sentiment":"neutral","sentiment_score":0.14706848561763763},{"text":"I think it was...","start":92.94,"end":93.84,"sentiment":"neutral","sentiment_score":0.10255041904747486}],"sentiment":"neutral","sentiment_score":-0.02087835120883855,"num_words":22,"start":74.325,"end":93.84},{"sentences":[{"text":"Yeah.","start":93.979996,"end":94.479996,"sentiment":"neutral","sentiment_score":0.10671502351760864},{"text":"Yep.","start":95.02,"end":95.52,"sentiment":"neutral","sentiment_score":0.1754470318555832},{"text":"Page 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11.","start":126.905,"end":128.265,"sentiment":"neutral","sentiment_score":0.008989353974660238},{"text":"It's 12 on my computer.","start":128.265,"end":129.885,"sentiment":"neutral","sentiment_score":0.004325564112514257}],"sentiment":"neutral","sentiment_score":0.005026107040149244,"num_words":22,"start":121.259995,"end":129.885},{"sentences":[{"text":"It's...","start":131.625,"end":131.865,"sentiment":"neutral","sentiment_score":0.001395876519382},{"text":"So just noting down the bottom, it says, please note this is a 15% rebated amount from the total as it is through super.","start":131.865,"end":139.805,"sentiment":"neutral","sentiment_score":0.016858773597050458},{"text":"Can you...","start":140.11,"end":140.83,"sentiment":"neutral","sentiment_score":0.006318232044577599},{"text":"So is that the total that I pay per year for that in...","start":140.83,"end":143.62999,"sentiment":"neutral","sentiment_score":0.005242377340507049},{"text":"For those insurances?","start":143.62999,"end":144.61,"sentiment":"neutral","sentiment_score":0.007145585181812446}],"sentiment":"neutral","sentiment_score":0.011819315532785516,"num_words":43,"start":131.625,"end":144.61},{"sentences":[{"text":"Yep.","start":224.65,"end":225.15,"sentiment":"positive","sentiment_score":0.6773827075958252},{"text":"And that's going up per year too, isn't it?","start":230.89,"end":233.29,"sentiment":"positive","sentiment_score":0.38134827878740096},{"text":"That Right.","start":233.29,"end":275.45,"sentiment":"neutral","sentiment_score":0.19189309142529964},{"text":"Yes.","start":275.45,"end":275.95,"sentiment":"neutral","sentiment_score":0.08319776505231857},{"text":"I was gonna talk to you about that later going through from from Caden Melbourne.","start":276.33002,"end":281.71,"sentiment":"neutral","sentiment_score":0.08194068148732185}],"sentiment":"neutral","sentiment_score":0.207343263817685,"num_words":28,"start":224.65,"end":281.71},{"sentences":[{"text":"They're going through the review process.","start":281.77,"end":286.19,"sentiment":"neutral","sentiment_score":0.1711497281988462},{"text":"We can talk about that later if you wanted to just go through this form first.","start":286.72498,"end":290.905,"sentiment":"neutral","sentiment_score":0.15114608127623796},{"text":"Okay.","start":300.19,"end":300.43,"sentiment":"neutral","sentiment_score":0.09523175656795502},{"text":"Yeah.","start":300.43,"end":300.67,"sentiment":"neutral","sentiment_score":0.06663491576910019},{"text":"Look.","start":300.67,"end":301.07,"sentiment":"neutral","sentiment_score":0.05620943754911423}],"sentiment":"neutral","sentiment_score":0.14653247117996215,"num_words":25,"start":281.77,"end":301.07},{"sentences":[{"text":"Well, it was important, and I did say to...","start":301.07,"end":304.05,"sentiment":"neutral","sentiment_score":0.008116102260020044},{"text":"I can't remember her name.","start":306.19,"end":307.11,"sentiment":"neutral","sentiment_score":-0.0354467861354351},{"text":"It might have been Wendy on the phone or something last...","start":307.11,"end":309.88998,"sentiment":"neutral","sentiment_score":-0.007605182853612033},{"text":"Yesterday afternoon.","start":310.03,"end":310.93,"sentiment":"neutral","sentiment_score":-0.016918822191655636},{"text":"Yeah.","start":315.785,"end":316.185,"sentiment":"neutral","sentiment_score":-0.03787319362163544}],"sentiment":"neutral","sentiment_score":-0.009269887847559792,"num_words":28,"start":301.07,"end":316.185},{"sentences":[{"text":"Going through that document, I I I sorta had the concern that I would end up having more conditions because, you know, there was other things that were coming up on there that probably, you know, weren't sort of applicable back when I first started this insurance, particularly around mental health or, you know, certain other aspects.","start":316.185,"end":338.59,"sentiment":"neutral","sentiment_score":-0.2655416314016309},{"text":"And I thought, oh gosh.","start":338.59,"end":339.89,"sentiment":"negative","sentiment_score":-0.4596769094467163},{"text":"This is just gonna be this is gonna work to my detriment, if that makes sense.","start":340.83002,"end":346.445,"sentiment":"negative","sentiment_score":-0.601057106629014},{"text":"And I thought, yeah, I might not even be...","start":346.905,"end":349.945,"sentiment":"negative","sentiment_score":-0.3470490641064114},{"text":"It might not be worthwhile now.","start":349.945,"end":352.025,"sentiment":"negative","sentiment_score":-0.594971756140391}],"sentiment":"negative","sentiment_score":-0.36284347695689045,"num_words":93,"start":316.185,"end":352.025},{"sentences":[{"text":"I can go through the process, but it was still with Ascender too.","start":352.025,"end":356.025,"sentiment":"neutral","sentiment_score":-0.294590569459475},{"text":"So I I don't know.","start":356.025,"end":358.53,"sentiment":"neutral","sentiment_score":-0.1957754075527191},{"text":"I I don't know what the right thing or, you know, what the the correct thing to do there is.","start":358.53,"end":363.59,"sentiment":"negative","sentiment_score":-0.6008561789989472},{"text":"No.","start":431.865,"end":432.365,"sentiment":"negative","sentiment_score":-0.3721936643123626},{"text":"Right.","start":525.825,"end":526.325,"sentiment":"neutral","sentiment_score":-0.13187983632087708}],"sentiment":"negative","sentiment_score":-0.4332437880337238,"num_words":40,"start":352.025,"end":526.325},{"sentences":[{"text":"It does.","start":543.46497,"end":544.02496,"sentiment":"neutral","sentiment_score":0.18809577822685242},{"text":"It does.","start":544.02496,"end":544.585,"sentiment":"neutral","sentiment_score":0.2052595466375351},{"text":"And I think just trying to be diligent in reading everything, I lost the fact that we were just looking at the loading rather than all the other details that it wanted.","start":544.585,"end":553.96497,"sentiment":"neutral","sentiment_score":-0.05592601222451776},{"text":"So...","start":554.02496,"end":554.52496,"sentiment":"neutral","sentiment_score":0.03434952348470688},{"text":"Yeah.","start":555.625,"end":556.125,"sentiment":"neutral","sentiment_score":0.04909435659646988}],"sentiment":"neutral","sentiment_score":-0.024196785825647806,"num_words":38,"start":543.46497,"end":556.125},{"sentences":[{"text":"Yes.","start":563.3,"end":563.78,"sentiment":"neutral","sentiment_score":0.04869827628135681},{"text":"I was probably.","start":563.78,"end":564.76,"sentiment":"neutral","sentiment_score":0.021497127910455067},{"text":"So I've just signed that as we were talking just within the realization of what 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Dana.","start":590.47,"end":591.29,"sentiment":"positive","sentiment_score":0.6571494340896606}],"sentiment":"positive","sentiment_score":0.4221567703144891,"num_words":7,"start":572.545,"end":591.29},{"sentences":[{"text":"Just lastly, with before moving on from the insurances, so that even with the rebated amount, that's 6,900 per year.","start":599.43,"end":609.265,"sentiment":"neutral","sentiment_score":0.0060577114520128815},{"text":"Is that awfully high, like, just with what you've seen with other...","start":609.885,"end":613.405,"sentiment":"negative","sentiment_score":-0.34662561615308124},{"text":"I mean, it's hard to compare, but you...","start":613.405,"end":615.35004,"sentiment":"neutral","sentiment_score":-0.24070868454873562},{"text":"You've sort of got a good baseline for that.","start":615.35004,"end":617.85004,"sentiment":"neutral","sentiment_score":-0.10587367249859704},{"text":"I mean I mean, I guess that's why we're doing the review because there is, you know, that...","start":618.23,"end":624.47003,"sentiment":"neutral","sentiment_score":-0.03352082262022628}],"sentiment":"neutral","sentiment_score":-0.11224269404235894,"num_words":67,"start":599.43,"end":624.47003},{"sentences":[{"text":"But I guess every year just looking at whether it's worthwhile, you know, trying to weigh up whether that money coming out is, you know, that safety net, you know, for something that may not happen anyway.","start":624.47003,"end":638.735,"sentiment":"neutral","sentiment_score":-0.1601434654077968},{"text":"I mean, insurances may not get paid out or or there's still a lot of risk with an insurance an insurance...","start":638.735,"end":649.74,"sentiment":"neutral","sentiment_score":-0.1970712851200785},{"text":"What do you call it?","start":651.31995,"end":652.54,"sentiment":"neutral","sentiment_score":-0.08713123351335525},{"text":"Premium being being paid out to, you know, yourself or or, you know, dependents or what have 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wow.","start":788.35,"end":788.99,"sentiment":"neutral","sentiment_score":0.09920128807425499},{"text":"Yep.","start":788.99,"end":789.31,"sentiment":"neutral","sentiment_score":0.13212817907333374},{"text":"Yep.","start":789.31,"end":789.55,"sentiment":"neutral","sentiment_score":0.15994106233119965}],"sentiment":"neutral","sentiment_score":0.09832821360656194,"num_words":7,"start":779.115,"end":789.55},{"sentences":[{"text":"Definitely.","start":789.55,"end":790.05,"sentiment":"neutral","sentiment_score":0.24677547812461853},{"text":"Yeah.","start":799.845,"end":800.345,"sentiment":"neutral","sentiment_score":0.1063200905919075},{"text":"Okay.","start":800.725,"end":801.225,"sentiment":"neutral","sentiment_score":0.12182126939296722},{"text":"Excellent.","start":803.44495,"end":803.94495,"sentiment":"positive","sentiment_score":0.4376762509346008},{"text":"Alright.","start":804.64496,"end":805.045,"sentiment":"neutral","sentiment_score":0.07855450361967087}],"sentiment":"neutral","sentiment_score":0.198229518532753,"num_words":5,"start":789.55,"end":805.045},{"sentences":[{"text":"We 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yeah.","start":818.98004,"end":819.54004,"sentiment":"neutral","sentiment_score":0.20966822654008865},{"text":"Yep.","start":819.54004,"end":820.04004,"sentiment":"neutral","sentiment_score":0.30457109212875366},{"text":"Okay.","start":946.935,"end":947.435,"sentiment":"neutral","sentiment_score":0.1254495084285736},{"text":"Yeah.","start":947.575,"end":948.075,"sentiment":"neutral","sentiment_score":0.1632995307445526}],"sentiment":"neutral","sentiment_score":0.09919468181974747,"num_words":17,"start":805.045,"end":948.075},{"sentences":[{"text":"Okay.","start":962.475,"end":962.975,"sentiment":"neutral","sentiment_score":0.2958553731441498},{"text":"Yes.","start":985.98,"end":986.38,"sentiment":"neutral","sentiment_score":0.1228158324956894},{"text":"Yep.","start":986.38,"end":986.88,"sentiment":"neutral","sentiment_score":0.13791248202323914},{"text":"Mhmm.","start":1043.42,"end":1043.92,"sentiment":"neutral","sentiment_score":0.17424120008945465},{"text":"Okay.","start":1110.485,"end":1110.985,"sentiment":"neutral","sentiment_score":0.07238709926605225}],"sentiment":"neutral","sentiment_score":0.16064239740371705,"num_words":5,"start":962.475,"end":1110.985},{"sentences":[{"text":"What page what page what what page are we looking at there?","start":1112.485,"end":1116.245,"sentiment":"neutral","sentiment_score":-0.011824954960805675},{"text":"Sorry.","start":1116.245,"end":1116.645,"sentiment":"neutral","sentiment_score":-0.03550822660326958},{"text":"Is it just the...","start":1116.645,"end":1118.725,"sentiment":"neutral","sentiment_score":-0.02236283989623189},{"text":"No.","start":1118.725,"end":1119.225,"sentiment":"neutral","sentiment_score":-0.03155166655778885},{"text":"It's still 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difference.","start":1127.9,"end":1133.58,"sentiment":"neutral","sentiment_score":-0.008400571503443643},{"text":"So we're just looking at sort of figures.","start":1133.58,"end":1135.545,"sentiment":"neutral","sentiment_score":-0.023178595583885908},{"text":"But what are we losing by saving that $400?","start":1136.005,"end":1139.785,"sentiment":"neutral","sentiment_score":-0.12817235704925325},{"text":"I know it was just the more broader buying and selling, which we're doing a lot.","start":1140.0851,"end":1144.265,"sentiment":"neutral","sentiment_score":-0.009135977132245898},{"text":"And then when I I scroll down to page 21, it sort of seems to highlight the buy and selling differentials there.","start":1144.405,"end":1152.69,"sentiment":"neutral","sentiment_score":0.016409927640448917}],"sentiment":"neutral","sentiment_score":-0.017726004904162297,"num_words":71,"start":1127.9,"end":1152.69},{"sentences":[{"text":"But is that is that what the change is?","start":1153.3099,"end":1158.13,"sentiment":"neutral","sentiment_score":0.2371784912215339},{"text":"Is that what the change is there?","start":1158.35,"end":1160.13,"sentiment":"neutral","sentiment_score":0.11627458887440818},{"text":"It does.","start":1230.26,"end":1230.82,"sentiment":"neutral","sentiment_score":0.28997719287872314},{"text":"Yeah.","start":1230.82,"end":1231.32,"sentiment":"neutral","sentiment_score":0.13452398777008057},{"text":"Okay.","start":1249.4049,"end":1249.9049,"sentiment":"neutral","sentiment_score":0.07994664460420609}],"sentiment":"neutral","sentiment_score":0.18714767806231974,"num_words":20,"start":1153.3099,"end":1249.9049},{"sentences":[{"text":"Yep.","start":1249.965,"end":1250.465,"sentiment":"neutral","sentiment_score":0.09261859953403472},{"text":"Okay.","start":1277.8351,"end":1278.3151,"sentiment":"neutral","sentiment_score":0.08440639078617096},{"text":"Yep.","start":1278.3151,"end":1278.8151,"sentiment":"neutral","sentiment_score":0.10578486323356628},{"text":"Yep.","start":1293.2001,"end":1293.7001,"sentiment":"neutral","sentiment_score":0.11568200588226318},{"text":"Okay.","start":1315.7799,"end":1316.2799,"sentiment":"neutral","sentiment_score":0.09010423719882964}],"sentiment":"neutral","sentiment_score":0.09771921932697296,"num_words":5,"start":1249.965,"end":1316.2799},{"sentences":[{"text":"Yep.","start":1329.085,"end":1329.585,"sentiment":"neutral","sentiment_score":0.054360829293727875},{"text":"Okay.","start":1346.57,"end":1347.07,"sentiment":"neutral","sentiment_score":-0.033203694969415665},{"text":"Yep.","start":1364.535,"end":1365.035,"sentiment":"neutral","sentiment_score":0.0997457429766655},{"text":"Yep.","start":1365.095,"end":1365.595,"sentiment":"neutral","sentiment_score":0.15073949098587036},{"text":"Okay.","start":1389.1051,"end":1389.5851,"sentiment":"neutral","sentiment_score":0.05979162827134133}],"sentiment":"neutral","sentiment_score":0.06628679931163788,"num_words":5,"start":1329.085,"end":1389.5851},{"sentences":[{"text":"Yep.","start":1389.5851,"end":1390.0851,"sentiment":"neutral","sentiment_score":0.03800588846206665},{"text":"K.","start":1440.775,"end":1441.275,"sentiment":"neutral","sentiment_score":0.15979386866092682},{"text":"Okay.","start":1459.87,"end":1460.2699,"sentiment":"neutral","sentiment_score":0.13940827548503876},{"text":"Is that worthwhile?","start":1460.2699,"end":1461.1699,"sentiment":"neutral","sentiment_score":0.12215859691301982},{"text":"Like, is there fees involved with just selling such a small amount?","start":1461.23,"end":1464.59,"sentiment":"neutral","sentiment_score":0.03270802895228068}],"sentiment":"neutral","sentiment_score":0.06089889837635888,"num_words":18,"start":1389.5851,"end":1464.59},{"sentences":[{"text":"Or Of course.","start":1464.59,"end":1500.245,"sentiment":"neutral","sentiment_score":0.02780984217921893},{"text":"You're immune.","start":1500.245,"end":1501.1449,"sentiment":"neutral","sentiment_score":0.0513761006295681},{"text":"Yes.","start":1516.14,"end":1516.64,"sentiment":"neutral","sentiment_score":0.18343117833137512},{"text":"Yep.","start":1529.565,"end":1530.065,"sentiment":"neutral","sentiment_score":0.11380111426115036},{"text":"Okay.","start":1562.705,"end":1563.205,"sentiment":"neutral","sentiment_score":0.007749930489808321}],"sentiment":"neutral","sentiment_score":0.06139549385989085,"num_words":8,"start":1464.59,"end":1563.205},{"sentences":[{"text":"Okay.","start":1601.455,"end":1601.955,"sentiment":"neutral","sentiment_score":0.1757780760526657},{"text":"K.","start":1658.135,"end":1658.4551,"sentiment":"neutral","sentiment_score":0.05749921873211861},{"text":"Yep.","start":1658.4551,"end":1658.9551,"sentiment":"neutral","sentiment_score":0.04040296748280525},{"text":"Okay.","start":1692.575,"end":1693.075,"sentiment":"neutral","sentiment_score":0.05371672660112381},{"text":"K.","start":1737.24,"end":1737.74,"sentiment":"neutral","sentiment_score":0.22098183631896973}],"sentiment":"neutral","sentiment_score":0.10967576503753662,"num_words":5,"start":1601.455,"end":1737.74},{"sentences":[{"text":"Well, okay.","start":1802.065,"end":1802.645,"sentiment":"neutral","sentiment_score":0.21077176928520203},{"text":"Yep.","start":1802.865,"end":1803.365,"sentiment":"neutral","sentiment_score":0.1991499662399292},{"text":"Look, I only an intuitive question that I know that you when we set out here, there was...","start":1810.065,"end":1816.48,"sentiment":"neutral","sentiment_score":-0.0019424801381925743},{"text":"And the fact that I wasn't putting in a lot of money into my super at the moment.","start":1817.58,"end":1823.02,"sentiment":"neutral","sentiment_score":-0.19691099350651106},{"text":"Does...","start":1823.02,"end":1823.42,"sentiment":"neutral","sentiment_score":-0.09299226850271224}],"sentiment":"neutral","sentiment_score":-0.0762915322324261,"num_words":40,"start":1802.065,"end":1823.42},{"sentences":[{"text":"Did that weigh then more than it should have in my investment portfolio on what I was investing in because I wasn't putting in that much.","start":1823.42,"end":1833.175,"sentiment":"neutral","sentiment_score":-0.1760651323084648},{"text":"And you've mentioned that...","start":1833.635,"end":1835.555,"sentiment":"neutral","sentiment_score":-0.07458624430000782},{"text":"No.","start":1835.555,"end":1835.795,"sentiment":"neutral","sentiment_score":-0.07172609120607376},{"text":"So this is still a good rounded account, a good rounded investment portfolio even even for someone who's contributing, you know, a good amount, a normal sort of 11% from their wage sort of thing.","start":1835.795,"end":1850.52,"sentiment":"neutral","sentiment_score":0.14262978019458908},{"text":"That is...","start":1851.46,"end":1852.2,"sentiment":"neutral","sentiment_score":0.045950084924697876}],"sentiment":"neutral","sentiment_score":0.002002617179909173,"num_words":68,"start":1823.42,"end":1852.2},{"sentences":[{"text":"Yeah.","start":1852.58,"end":1853.08,"sentiment":"neutral","sentiment_score":0.09714695811271667},{"text":"Okay.","start":1854.02,"end":1854.52,"sentiment":"neutral","sentiment_score":0.17748314142227173},{"text":"Yeah.","start":1863.915,"end":1864.415,"sentiment":"neutral","sentiment_score":0.06686469167470932},{"text":"It does.","start":1915.205,"end":1915.765,"sentiment":"neutral","sentiment_score":0.24372127652168274},{"text":"Yep.","start":1915.765,"end":1916.165,"sentiment":"neutral","sentiment_score":0.3312501311302185}],"sentiment":"neutral","sentiment_score":0.19336457923054695,"num_words":6,"start":1852.58,"end":1916.165},{"sentences":[{"text":"Thanks, Diana.","start":1916.165,"end":1916.985,"sentiment":"positive","sentiment_score":0.5117516964673996},{"text":"Okay.","start":1940.5851,"end":1941.0851,"sentiment":"neutral","sentiment_score":0.1442679613828659},{"text":"Yep.","start":1941.305,"end":1941.7051,"sentiment":"neutral","sentiment_score":0.189384326338768},{"text":"Thank you.","start":1941.7051,"end":1942.4451,"sentiment":"positive","sentiment_score":0.37364567816257477},{"text":"Okay.","start":2058.525,"end":2058.925,"sentiment":"neutral","sentiment_score":0.2985585033893585}],"sentiment":"positive","sentiment_score":0.3432865057672773,"num_words":7,"start":1916.165,"end":2058.925},{"sentences":[{"text":"Thank you.","start":2058.925,"end":2059.665,"sentiment":"positive","sentiment_score":0.6137365102767944},{"text":"Yeah.","start":2083.685,"end":2084.185,"sentiment":"neutral","sentiment_score":0.098945289850235},{"text":"Mhmm.","start":2104.9548,"end":2105.4548,"sentiment":"neutral","sentiment_score":0.1164071261882782},{"text":"How much is it?","start":2147.93,"end":2149.07,"sentiment":"neutral","sentiment_score":0.0277199181728065},{"text":"Usually, like, couple $100.","start":2149.53,"end":2151.69,"sentiment":"neutral","sentiment_score":0.015480389818549156}],"sentiment":"neutral","sentiment_score":0.13463555571312705,"num_words":12,"start":2058.925,"end":2151.69},{"sentences":[{"text":"I suppose it depends a few $100 an hour out there.","start":2151.69,"end":2155.39,"sentiment":"neutral","sentiment_score":0.023254983804442665},{"text":"Our lawyer usually.","start":2156.25,"end":2157.63,"sentiment":"neutral","sentiment_score":0.0532700444261233},{"text":"So Yep.","start":2157.69,"end":2167.3948,"sentiment":"neutral","sentiment_score":0.074286550283432},{"text":"Well, That's true.","start":2175.82,"end":2200.05,"sentiment":"neutral","sentiment_score":0.12592404335737228},{"text":"Yep.","start":2200.37,"end":2200.53,"sentiment":"neutral","sentiment_score":0.14507244527339935}],"sentiment":"neutral","sentiment_score":0.05435163155198097,"num_words":20,"start":2151.69,"end":2200.53},{"sentences":[{"text":"Yep.","start":2200.53,"end":2201.03,"sentiment":"neutral","sentiment_score":0.1596229523420334},{"text":"Mhmm.","start":2208.69,"end":2209.19,"sentiment":"neutral","sentiment_score":0.07611406594514847},{"text":"Would you...","start":2266.9502,"end":2267.35,"sentiment":"neutral","sentiment_score":0.01634116843342781},{"text":"I mean, did...","start":2267.35,"end":2267.83,"sentiment":"neutral","sentiment_score":0.0022848928347229958},{"text":"Would you get that from any, life insurance company then?","start":2267.83,"end":2271.03,"sentiment":"neutral","sentiment_score":-0.0026883549988269808}],"sentiment":"neutral","sentiment_score":0.01461120492176098,"num_words":17,"start":2200.53,"end":2271.03},{"sentences":[{"text":"Or Or...","start":2271.03,"end":2283.505,"sentiment":"neutral","sentiment_score":0.019932779483497143},{"text":"Yeah.","start":2305.2349,"end":2305.555,"sentiment":"neutral","sentiment_score":-0.004538369365036488},{"text":"Well, it's a little different.","start":2305.555,"end":2306.615,"sentiment":"neutral","sentiment_score":-0.035034330934286116},{"text":"Yeah.","start":2306.675,"end":2307.175,"sentiment":"neutral","sentiment_score":0.009519772604107857},{"text":"Yeah.","start":2307.4749,"end":2307.9749,"sentiment":"neutral","sentiment_score":0.05160368233919144}],"sentiment":"neutral","sentiment_score":-0.00787210101261735,"num_words":10,"start":2271.03,"end":2307.9749},{"sentences":[{"text":"Yeah.","start":2335.445,"end":2335.945,"sentiment":"neutral","sentiment_score":0.11098819971084596},{"text":"Yep.","start":2336.005,"end":2336.505,"sentiment":"neutral","sentiment_score":0.13323666155338287},{"text":"Okay.","start":2337.845,"end":2338.345,"sentiment":"positive","sentiment_score":0.3931199908256531},{"text":"Thank you.","start":2338.7249,"end":2339.545,"sentiment":"positive","sentiment_score":0.5272414237260818},{"text":"Okay.","start":2385.995,"end":2386.3152,"sentiment":"neutral","sentiment_score":0.037134118378162384}],"sentiment":"neutral","sentiment_score":0.2881603029867013,"num_words":6,"start":2335.445,"end":2386.3152},{"sentences":[{"text":"And then I can follow-up and do that that legal will sort of things and let you know because, yeah, there was some benefit there to do that too, wasn't there?","start":2386.3152,"end":2397.7751,"sentiment":"neutral","sentiment_score":0.03312134846384006},{"text":"Yeah.","start":2403.5,"end":2404.0,"sentiment":"neutral","sentiment_score":0.18531803786754608},{"text":"Yeah.","start":2404.54,"end":2405.04,"sentiment":"neutral","sentiment_score":0.1926516890525818},{"text":"Of course.","start":2405.58,"end":2405.98,"sentiment":"neutral","sentiment_score":0.2475511133670807},{"text":"Yeah.","start":2405.98,"end":2406.48,"sentiment":"neutral","sentiment_score":0.14463260769844055}],"sentiment":"neutral","sentiment_score":0.05679073232588255,"num_words":36,"start":2386.3152,"end":2406.48},{"sentences":[{"text":"No.","start":2411.9949,"end":2412.4749,"sentiment":"neutral","sentiment_score":-0.07022169232368469},{"text":"No.","start":2412.4749,"end":2412.955,"sentiment":"neutral","sentiment_score":-0.10133186727762222},{"text":"Like, we've covered everything, Dana, as as usual.","start":2412.955,"end":2416.075,"sentiment":"neutral","sentiment_score":0.04005100531503558},{"text":"Yeah.","start":2416.075,"end":2416.2349,"sentiment":"neutral","sentiment_score":0.20504283905029297},{"text":"I appreciate that.","start":2416.2349,"end":2417.275,"sentiment":"neutral","sentiment_score":0.31142766276995343}],"sentiment":"neutral","sentiment_score":0.0920128793056522,"num_words":14,"start":2411.9949,"end":2417.275},{"sentences":[{"text":"So, no, I I...","start":2417.275,"end":2420.075,"sentiment":"neutral","sentiment_score":0.032247182447463274},{"text":"I'll just read over that and and should sign it later later or in a couple of hours once I've Had to think that that we've...","start":2420.075,"end":2427.2,"sentiment":"neutral","sentiment_score":0.04541951421504983},{"text":"I think we've covered everything.","start":2427.2,"end":2428.5,"sentiment":"neutral","sentiment_score":0.011739493161439896},{"text":"So I've been keeping up looking through as well.","start":2428.56,"end":2431.44,"sentiment":"neutral","sentiment_score":0.07251310245030457},{"text":"So just...","start":2431.44,"end":2433.94,"sentiment":"neutral","sentiment_score":0.18893874436616898}],"sentiment":"neutral","sentiment_score":0.05215410817333538,"num_words":46,"start":2417.275,"end":2433.94},{"sentences":[{"text":"Yeah.","start":2434.3198,"end":2434.8198,"sentiment":"neutral","sentiment_score":0.17207589745521543},{"text":"All good.","start":2435.3599,"end":2436.0,"sentiment":"positive","sentiment_score":0.3472505509853363},{"text":"Thank you kindly.","start":2436.0,"end":2436.88,"sentiment":"positive","sentiment_score":0.48171262939771015},{"text":"It's a, yeah, good document.","start":2436.88,"end":2438.18,"sentiment":"positive","sentiment_score":0.46787267327308657},{"text":"Gives me some gives me some things that I need to to action as well.","start":2438.375,"end":2442.775,"sentiment":"positive","sentiment_score":0.48251070976257326}],"sentiment":"positive","sentiment_score":0.4572591884778096,"num_words":26,"start":2434.3198,"end":2442.775},{"sentences":[{"text":"It just keeps me sort of empowered with it, I I I guess.","start":2442.775,"end":2446.135,"sentiment":"neutral","sentiment_score":0.305167922606835},{"text":"So...","start":2446.135,"end":2446.375,"sentiment":"neutral","sentiment_score":0.06939411163330078},{"text":"Yeah.","start":2446.375,"end":2446.615,"sentiment":"neutral","sentiment_score":0.0929841846227646},{"text":"No.","start":2446.615,"end":2446.855,"sentiment":"neutral","sentiment_score":0.05778203904628754},{"text":"It's good.","start":2446.855,"end":2447.515,"sentiment":"neutral","sentiment_score":0.18888970464468002}],"sentiment":"neutral","sentiment_score":0.2536179299155871,"num_words":18,"start":2442.775,"end":2447.515},{"sentences":[{"text":"Yeah.","start":2478.3098,"end":2478.63,"sentiment":"neutral","sentiment_score":0.27972593903541565},{"text":"No.","start":2478.63,"end":2478.8699,"sentiment":"neutral","sentiment_score":0.11191067844629288},{"text":"You're good at it, Dana.","start":2478.8699,"end":2479.91,"sentiment":"positive","sentiment_score":0.4249370336532593},{"text":"Thank you.","start":2479.91,"end":2480.47,"sentiment":"positive","sentiment_score":0.597795158624649},{"text":"I I do recommend you guys.","start":2480.47,"end":2482.23,"sentiment":"positive","sentiment_score":0.4400346676508586}],"sentiment":"positive","sentiment_score":0.4234746739268303,"num_words":15,"start":2478.3098,"end":2482.23},{"sentences":[{"text":"So...","start":2482.23,"end":2482.73,"sentiment":"neutral","sentiment_score":0.07395818829536438},{"text":"Or when things come up.","start":2482.8699,"end":2484.23,"sentiment":"neutral","sentiment_score":0.1123857457190752},{"text":"So...","start":2484.23,"end":2484.73,"sentiment":"neutral","sentiment_score":0.056219615042209625},{"text":"Yep.","start":2485.19,"end":2485.67,"sentiment":"neutral","sentiment_score":0.13982577621936798},{"text":"I'll...","start":2485.67,"end":2486.17,"sentiment":"positive","sentiment_score":0.425479918718338}],"sentiment":"neutral","sentiment_score":0.1397124696522951,"num_words":9,"start":2482.23,"end":2486.17},{"sentences":[{"text":"Yeah.","start":2486.3098,"end":2486.8098,"sentiment":"neutral","sentiment_score":0.3156842589378357},{"text":"Alright.","start":2487.67,"end":2488.17,"sentiment":"positive","sentiment_score":0.42552876472473145},{"text":"Alright.","start":2489.1099,"end":2489.6099,"sentiment":"positive","sentiment_score":0.569314181804657},{"text":"Yes.","start":2493.885,"end":2494.385,"sentiment":"neutral","sentiment_score":0.31583279371261597},{"text":"Yeah.","start":2494.445,"end":2494.7651,"sentiment":"neutral","sentiment_score":0.3113183379173279}],"sentiment":"positive","sentiment_score":0.38753566741943357,"num_words":5,"start":2486.3098,"end":2494.7651},{"sentences":[{"text":"You too.","start":2494.7651,"end":2495.5051,"sentiment":"neutral","sentiment_score":0.33130304515361786},{"text":"Thanks, Dana.","start":2496.125,"end":2497.0251,"sentiment":"positive","sentiment_score":0.6172104477882385},{"text":"Yeah.","start":2497.085,"end":2497.585,"sentiment":"positive","sentiment_score":0.479528546333313},{"text":"Okay.","start":2500.5251,"end":2500.925,"sentiment":"neutral","sentiment_score":0.2202528417110443},{"text":"See you soon.","start":2500.925,"end":2501.485,"sentiment":"neutral","sentiment_score":0.3036952515443166}],"sentiment":"positive","sentiment_score":0.38976601428455776,"num_words":9,"start":2494.7651,"end":2501.485},{"sentences":[{"text":"Bye bye.","start":2501.485,"end":2502.225,"sentiment":"neutral","sentiment_score":0.21720710396766663}],"sentiment":"neutral","sentiment_score":0.21720710396766663,"num_words":2,"start":2501.485,"end":2502.225}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Yes. Sorry, Diana. I'm\n\nChannel 0: Oh,\n\nChannel 1: not sure. Yeah.\n\nChannel 0: no. No. I'm\n\nChannel 1: Oh,\n\nChannel 0: so\n\nChannel 1: no.\n\nChannel 0: sorry\n\nChannel 1: I'm\n\nChannel 0: that I don't know what happened there. I do apologize\n\nChannel 1: sick.\n\nChannel 0: about that.\n\nChannel 1: No. I think it's mine. I think I don't have great phone reception today by the look of it. So\n\nChannel 0: No. That's okay. When I tried to call you back, my... I got this error on my phone system saying there was no SIP trunk. I don't know what a SIP trunk is, but it seems like it needed it.\n\nSo I just closed my phone system and reopened it to see if restarting it\n\nChannel 1: Yeah.\n\nChannel 0: might work, and that seems to have done the trick. So I do apologize about that.\n\nChannel 1: No. Look, if it happens to me, I'll try it again myself and...\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You're right. I tried to sort of call you back fairly quickly because our phones don't actually open till 08:30 Queensland time, so you can't get through. So I tried to sort of call back fairly quickly to save you trying to get through on a phone system that won't call through, essentially.\n\nChannel 1: Yes. I realized that\n\nChannel 0: Yeah.\n\nChannel 1: too because I did call back. Yeah.\n\nChannel 0: And it didn't work. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's all good.\n\nChannel 1: I think there was an email coming out via mobile number or something that I could contact you or something. I I think\n\nChannel 0: Alright.\n\nChannel 1: it's back. Yeah. I'm sure it said something like that yesterday, but, yeah, I'm not sure.\n\nChannel 0: That's okay.\n\nChannel 1: I don't know.\n\nChannel 0: That's...\n\nChannel 1: Yeah.\n\nChannel 0: I'll double check with the team and see what they sent out. I should be able to find the email that was sent, and I'll have a bit of a look at it and see what they put on there, but that's absolutely perfect.\n\nChannel 1: Yeah. I think it was... Yeah. Yep.\n\nChannel 0: That's all good. Where we sort of left off before was around page number 14.\n\nChannel 1: Page 14. Actually,\n\nChannel 0: Yep.\n\nChannel 1: what... I think we're we're sort of just going back to page 12 about the about the the insurances. I think it's 12 or 13, is it? Yep.\n\nChannel 0: That's page 11. Yeah.\n\nChannel 1: Page 11?\n\nChannel 0: Yep.\n\nChannel 1: Oh, you said it's page 11. It's 12 on my computer.\n\nChannel 0: Mhmm.\n\nChannel 1: It's... So just noting down the bottom, it says, please note this is a 15% rebated amount from the total\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: as it is through super. Can you... So is that the total that I pay per year for that in... For those insurances?\n\nChannel 0: Yes. Sort of. So, essentially, the the total at the very bottom is $7,589.97. That is how much the insurer actually receives for the premium. However, you get a 15% rebate called a little bit of a discount, essentially.\n\nSo the amount that you've actually paid for that policy is $6,755.99. The reason for that is that the premium cannot actually leave the super system. So the way it works, and this is a little bit convoluted. I'm very sorry. Essentially, it moves its road from your super fund over to the super fund held with a sender, and that's because the premium is not allowed to leave the super system in any which way.\n\nSo the premiums are actually paid to the insurer through a super fund. That way, the money stays in the super system. However, money, when it is moved in the way of a contribution, it is a tax of 15 percent. So instead of them rolling over the full 7,589 and then putting 15% back in your super fund, they essentially give you a discount and just roll over the amount minus that fifth... 15%, say, discount or rebate.\n\nSo you actually pay a little bit less for the premium than what they have told you you are going to pay. The Superfund\n\nChannel 1: Yep.\n\nChannel 0: receives the full amount. It's just that you're getting a slight discount on that, which is a positive thing. Yeah.\n\nChannel 1: And that's going up per year too, isn't it? That\n\nChannel 0: It absolutely is. Yeah. That's why I definitely wanna have these loadings reviewed for you because, essentially, these policies do go through a renewal every year. As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on. But it also means the policy gets more and more expensive over time as well.\n\nAnd because this is paid out of your super fund, that has an effect on your super long term. So it's about trying to make sure you've got the right level of cover that suits you, but that you're not paying the premiums and not eating away all of your soup at the same time.\n\nChannel 1: Right. Yes. I was\n\nChannel 0: Yeah.\n\nChannel 1: gonna talk to you about that later going through\n\nChannel 0: Yeah.\n\nChannel 1: from from Caden Melbourne. They're\n\nChannel 0: Yep.\n\nChannel 1: going through the review process. We can talk about that later if you wanted to just go through this form\n\nChannel 0: It's up\n\nChannel 1: first.\n\nChannel 0: to you. If you have questions that you would like to ask about that, you're welcome to do so now. I don't mind. I'm happy to go with, you know, what's important to you.\n\nChannel 1: Okay. Yeah. Look. Well, it was\n\nChannel 0: Yeah.\n\nChannel 1: important, and I did say to...\n\nChannel 0: Yeah.\n\nChannel 1: I can't remember her name. It might have been Wendy on the phone or something\n\nChannel 0: Yep.\n\nChannel 1: last... Yesterday afternoon.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Going through that document, I I\n\nChannel 0: Mhmm.\n\nChannel 1: I sorta had the concern that I would end up having more conditions because, you know, there was other things that were coming up on there that probably, you know, weren't sort of applicable back when I first started this insurance,\n\nChannel 0: Yep.\n\nChannel 1: particularly around mental health or, you know, certain other aspects. And I thought, oh gosh. This is just gonna be this is gonna work to my detriment,\n\nChannel 0: Yep.\n\nChannel 1: if that\n\nChannel 0: Yep.\n\nChannel 1: makes sense. And\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: I've\n\nChannel 1: thought,\n\nChannel 0: Let me...\n\nChannel 1: yeah, I might not even be... It might not be worthwhile now. I can go through the process, but it was still with Ascender too. So\n\nChannel 0: Yeah. Yep.\n\nChannel 1: I I don't know. I I don't know what the right thing or, you know, what the the correct thing to do there is.\n\nChannel 0: No. That's okay. So what the... What... That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy.\n\nSo, essentially, what the insurer will do when they receive that application back is they're going back to have a look at what was disclosed at the time of the application. They're gonna look at, you know, the heart murmur and the documents provided, but they're also then going to probably request doctor's reports and or they may ask you to go and see a doctor and have maybe an updated test or have an updated appointment to to make sure that there's nothing ongoing there for you. Essentially, they're not rewriting the whole application. They're just assessing that loading. So with the insurance, as long as everything at the time of the application was disclosed correctly and there's nothing that they're gonna find at the time application that should have been added or was nondisclosed, then they can't go, hey.\n\nWell, four years after this application was put into place, you started having mental health issues. They can't then add a mental health exclusion for that policy. They're essentially\n\nChannel 1: No.\n\nChannel 0: looking at what was accurate at the application. If your health changes over time, then that's understandable. That absolutely happens, but they then... They're not rewriting the... They're not reunderwriting the entire policy.\n\nThey're just looking at the exclusion and the reason for behind the exclusion and to whether they can reduce the exclusion. Essentially, insurance contracts are... They're guaranteed renewable, and this essentially means that once an insurer issues a retail life CPD or income protection policy, it's typically a guaranteed renewal. This means that they can't can't go back and add worse terms to the policy or cancel your policy or add new exclusions just because your health changes or just because you've asked for a review of that. They have to go back and assess the contract at the time of the application, what your health looks like, and is there any changes to your health more with regard to the loading, that means that they can reduce the loading.\n\nThere is a chance they come back and go, hey. We're not gonna reduce the loading. Unfortunately, doctor's report show that this is still appropriate. We're gonna keep it on there, and that's, you know, a chance that we take. But I know you've had some mental health since then, and things have definitely changed for you.\n\nBut, you know, having mental health four or five years down the track because we're not underwriting the entire thing, we're just assessing the loading. They can't then come back and go, hey. You have mental health after that. We're now gonna add a mental health exclusion that doesn't work for the... What the policy is.\n\nThat's not what we're looking at, and that's\n\nChannel 1: Right.\n\nChannel 0: not what the document's asking them to do. So they should not definitely do that. We will obviously follow it through very carefully, but we've ticked the the areas and followed through the sections that say we wanna review the loading, and that's all we're gonna ask them to do, essentially. Does that answer your question?\n\nChannel 1: It does. It does. And I think\n\nChannel 0: Yeah.\n\nChannel 1: just trying to be diligent in reading everything, I lost the fact that we were just looking at the loading rather than all the other details that it\n\nChannel 0: Oh,\n\nChannel 1: wanted. So...\n\nChannel 0: absolutely. And that\n\nChannel 1: Yeah.\n\nChannel 0: is a big document. It's used for several different things. So you're probably looking through the pages going, wow. There's a lot here.\n\nChannel 1: Yes. I was probably. So I've just signed\n\nChannel 0: That's\n\nChannel 1: that as\n\nChannel 0: okay.\n\nChannel 1: we were talking just within the realization\n\nChannel 0: Oh, beautiful.\n\nChannel 1: of what you've... What you were saying there. So... No.\n\nChannel 0: Beautiful.\n\nChannel 1: Look. That's great.\n\nChannel 0: Excellent. I'll get Caden to download that one and send it off to a sender today, and I'll make... I'll get him to write a little blurb that we are just reviewing the loading for this particular reason and get them to him. He'll follow that through for you and give you updates, and so we'll see how we go with that. Okay.\n\nChannel 1: Okay. Thanks, Dana.\n\nChannel 0: That's okay. Not a problem at all. Is there any other questions in relation to that, or is there any other questions or concerns at the moment?\n\nChannel 1: Just lastly, with before moving\n\nChannel 0: Yeah.\n\nChannel 1: on from the\n\nChannel 0: Sure.\n\nChannel 1: insurances, so that even with the rebated amount, that's 6,900 per year.\n\nChannel 0: Mhmm.\n\nChannel 1: Is that awfully high, like, just with what you've seen with other... I mean, it's hard to\n\nChannel 0: Yeah.\n\nChannel 1: compare, but you... You've sort of got a good baseline for that. I mean\n\nChannel 0: Mhmm.\n\nChannel 1: I mean, I guess that's why we're doing the review because there is,\n\nChannel 0: Yes.\n\nChannel 1: you know, that... But I guess every year just looking at whether it's worthwhile, you know, trying to weigh up whether that money coming out is, you know, that safety net,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, for something\n\nChannel 0: Yes.\n\nChannel 1: that may not happen anyway. I mean, insurances may not get paid out or\n\nChannel 0: Absolutely.\n\nChannel 1: or there's\n\nChannel 0: Yeah.\n\nChannel 1: still a lot of risk with an insurance\n\nChannel 0: Yep.\n\nChannel 1: an insurance... What do you call it? Premium being\n\nChannel 0: Yep.\n\nChannel 1: being paid out to, you know, yourself or\n\nChannel 0: Mhmm.\n\nChannel 1: or, you know, dependents or what have you. So\n\nChannel 0: Yeah. Absolutely. And that's the biggest risk we take with insurances is that we pay the premiums and we have that level of cover, and then we get to retirement, and we've never actually claimed on it. And they just cancel or we cancel them, and we don't get anything back from any of the premiums that we've paid. And that's\n\nChannel 1: Yes.\n\nChannel 0: definitely the biggest risk with all insurances that we do tend to have. So that is an aspect of it in saying that if... You know, I've done plenty of insurance claims for some of my clients, and, realistically, it's great when they are able to get a successful claim through, but the downside to making a claim is that they've lost something. You know, it could be life insurance where someone's passed away. They've lost a member of their family.\n\nTPD where they can never go back to work again, and that can have long term mental health effects on someone when they're especially younger. Income protection.\n\nChannel 1: Yes.\n\nChannel 0: They\n\nChannel 1: Of\n\nChannel 0: might\n\nChannel 1: course.\n\nChannel 0: be off work for a period of time, and that, again, can have mental health effects there. So that is definitely the biggest the biggest risk we take there. And with these premiums, they are, in my opinion, quite high for what for what they are, for the level of cover you have and the type of cover you have and for your age as well. So it is definitely because that loading is applied there. So having that loading reviewed is a good thing.\n\nThere is a risk that they may come back and go, hey. No. We're not gonna review the loading. But if they do that, and they give us a reason for that, which they will, we'll be able to go, right. So what do you need to know?\n\nWhen will you review that loading? And\n\nChannel 1: Do\n\nChannel 0: we can\n\nChannel 1: we have\n\nChannel 0: come\n\nChannel 1: an\n\nChannel 0: back\n\nChannel 1: idea\n\nChannel 0: and reassess\n\nChannel 1: how much...\n\nChannel 0: it.\n\nChannel 1: It's a 50% loading, wasn't it?\n\nChannel 0: Yeah.\n\nChannel 1: Is it?\n\nChannel 0: I've got your certificate of currency here in front of me as well. It is. Oh, good. It doesn't tell me. It's okay.\n\nI do have it sitting on your file.\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: I'm pretty sure it is, but just to make sure that we've got the correct... Yeah. 50% loading. Yeah.\n\nChannel 1: Oh, wow. Yep. Yep. Definitely.\n\nChannel 0: So, realistically, 50% would make those, you know, 50% cheaper, would drop the price quite considerably for you. Yeah. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Excellent. Alright. We can continue on with the\n\nChannel 0: Yep.\n\nChannel 1: the portfolio if you like,\n\nChannel 0: Yeah.\n\nChannel 1: Dana.\n\nChannel 0: Absolutely. Not a problem at all. If you scroll down for me to page number 14, this is where those recommendations start in place.\n\nChannel 1: Oh, yeah. Yep.\n\nChannel 0: Beautiful. So, essentially, I had a look at your hub twenty four super fund as well as the other funds out there to sort of see whether we look to move the fund or whether we retain the fund itself. I am recommending we retain hub twenty four. One of the things I do look at when I am looking at, you know, altering or moving the fund is DDT consequences as well. So your super fund, just like you, does pay income tax and capital gains tax.\n\nIt does a tax return every single year as well. So when we are buying and selling investments, that is a capital gains or does have a capital gains effect on your super fund. So I wanted to look at reducing that as much as possible. The other reason I wanted to look at reducing your main... You know, not having as big a capital gains consequence for yourself, for your fund, is that we're not con...\n\nWe're not looking at contributions at the moment because you are working sporadically. You're looking at, you know, trying to change jobs. There's a a few different changes in your life occurring at the moment, and you're sort of working through what you wanted to do moving forward. So we've got no real steady contributions going into the fund, so I wasn't able to take into account those contributions going in. So being able to limit the CDT effect means that more money stays invested working harder for you.\n\nI've also looked at the fee side of things as well. So I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit. So I am recommending we retain hub twenty four. It is a good fund. There's still nothing wrong with the fund itself.\n\nThink of hub twenty four as basically the vehicle. It's like a car. It's getting you from a to b, but what's really gonna make you the returns and get your super working harder is essentially your contributions and also the actual investments within the fund there. So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: When you do get contributions going in from your current employer or any additional employers down the track, we'll keep those going into Hub twenty four. And I have recommended an investment switch here for you, and I'll take you through that in a second. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Now I'm gonna skip a couple of pages because you'll get to go back and have a really good read of everything there as well. But if I can get you to scroll down for me, just the page number 19, this one has the heading c comparison superannuation.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Beautiful. So this is showing you essentially the recommendations side by side. Essentially, with your current balance as of the time we've prepared the documents sitting at a $186,007.42. Within your current fund, you've got administration fees, investment fees, our ongoing service fee us looking after everything and updating advice, and your insurance premiums at the current level there as well.\n\nUnderneath that, the investor profile, so you're in a high growth portfolio that has that ninety ten split between 90% growth investments and 10% lower risk defensive investments, that was something that you were fairly happy retaining trying to get greater potential growth down the track there. So we are retaining that risk profile. When we look at how the investments have performed over the past five years, we look at a five year rolling average. And this looks at the last five years and averages out what the returns have looked like for the individual portfolio. This\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio has averaged about 10.06%. As by no means, a bad return is good when you compound forward. However, some of the investments have under the... Have been underperforming a bit. So we wanted to look at updating and changing your portfolio as times have definitely changed, and they do need to be updated on a regular basis or every so often as well for you.\n\nOkay? With the recommended column, we are still recommending you stay within hub twenty four. Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you. So if you look at the differences column there, you'll notice the balance between the current recommended is exactly the same, and there's no CGT consequence. So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments.\n\nIt essentially evens itself out, so your super fund has zero capital gains consequences from making this change.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Does that\n\nChannel 1: What\n\nChannel 0: make sense?\n\nChannel 1: page\n\nChannel 0: Do you have\n\nChannel 1: what\n\nChannel 0: any\n\nChannel 1: page\n\nChannel 0: questions?\n\nChannel 1: what what page are we looking at there? Sorry. Is it just\n\nChannel 0: Okay. That's number\n\nChannel 1: the... No.\n\nChannel 0: 19.\n\nChannel 1: It's still 19. Yep. Yep.\n\nChannel 0: Yeah. And that's the differences column, so in the table on the top line.\n\nChannel 1: Yes. Yep. I was just curious. So with that investment fee, I mean, for the difference, it's only a\n\nChannel 0: Mhmm.\n\nChannel 1: a $450 difference. So we're just looking at sort of figures. But what are\n\nChannel 0: Mhmm.\n\nChannel 1: we losing by saving that $400? I know it was just the more broader buying and selling, which we're doing a lot. And then when I I scroll down to page 21, it sort of seems to highlight the buy and selling differentials there.\n\nChannel 0: Yes.\n\nChannel 1: But\n\nChannel 0: Yeah. So it's actually more\n\nChannel 1: is that\n\nChannel 0: giving\n\nChannel 1: is\n\nChannel 0: you a\n\nChannel 1: that\n\nChannel 0: positive\n\nChannel 1: what the change\n\nChannel 0: gain.\n\nChannel 1: is? Is that what the change is there?\n\nChannel 0: Yeah. Yeah. So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455. So that's a gain to you. That's more money that stays invested in your portfolio.\n\nThat's an advantage of changing the portfolio. It's cheaper and saving new funds. On that page 19, the five year rolling average also shows that this newer investment portfolio has obtained about 11.18%. So over the past five years, it's actually averaged a much greater return, which depending on... And returns are never guaranteed.\n\nHowever, moving forward, if a portfolio has gone through volatility and has seen those kinds of returns over the past, it means that they can obtain that down the track there. So this newer portfolio is cheaper for you, keeps more money invested, has performed much better. And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does. So that is also a positive and a gain there for you. Does that make sense?\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yeah. On page number 21, I definitely wanna take you through this because it is a... An interesting page. There's a lot going on on that one, and that you are correct does show the buyers themselves that we essentially attend... Intend on making to be able to switch your portfolio for you.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. So I'll take you through it to make it a little bit easier. But looking at the first line there, the first column shows the investment name. So you've got cybersecurity within your portfolio currently, the APIR code. You don't have to worry too much about that line.\n\nThat's more for us. That's more just so we know which investments to buy and sell because we use the ticket code or the APIR code to be able to find those investments nice and quickly. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: The current weighting, that is the next column. That's how much of each of these investments you have currently within your portfolio. And the current balance is how much of your super balance is invested within that portfolio currently as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Buying and selling is the change that we are going to make. So you'll see with cyber security, at the moment, you have eight percent invested in your portfolio. We only wanna hold 6%. So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. India has been underperforming a bit there, so we are removing that one from your portfolio completely. So that will go from 5.10 to zero. That will be removed completely out of your portfolio. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The Global Healthcare, that one is a good investment to have. However, it is more of a costly investment. It has been very up and down there, and I found a newer portfolio which has a little bit lower risk and still gives you global access. So I am removing that completely\n\nChannel 1: Okay.\n\nChannel 0: from your portfolio. We've got the S and P 500. Now this is giving you exposure to the top 500 companies on The US market there. You currently have 24.80%. We wanna hold 35%.\n\nSo that means we're gonna buy a little bit more of that one. So we'll buy the $719,000. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. We've also got the Raffi. This is the Raffi 200. This is giving you exposure to some of the top 200 companies on the ASX by fundamental weighting, and we have 15.70%. We are removing that from your portfolio because we have found a cheaper way to hold Australian equities, so removing this investment completely for you.\n\nChannel 1: Okay. Yep.\n\nChannel 0: We've also got the ban along Australian equities. This investment's been underperforming and holding everyone's portfolio back. So I'm removing it out completely from all the portfolios that I'm working on, especially yours. We don't wanna see underperforming investments, so this one will be fully gone as well. We've then got the JPMorgan Global Research enhanced equity fund.\n\nThis was a little bit more of an actively managed global fund that has done really well. But one of the things I wanted to look at doing was while keeping a high growth investment portfolio looking to reduce risk in it. So keeping active management with the portfolio does have some active management risk where active managers can underperform. So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you. Okay?\n\nChannel 1: K.\n\nChannel 0: Physical gold, this one is still a good investment. Has been a bit up and down this year. We still wanna hold physical gold. Essentially, we only wanna hold 7%. So your current weighting is 7.50.\n\nSo we're gonna keep it and just sell a little bit of that off and rebalance that back for you.\n\nChannel 1: Okay. Is that worthwhile? Like, is there fees involved with just selling such a small amount? Or\n\nChannel 0: No. No. It's the same as anything else. It's just cementing capital gain. But as with...\n\nWhen we weighed up the capital gains on doing all of these changes, there was zero capital gains effect for your portfolio. So there's no real disadvantage doing that. One of the important things is physical gold doesn't produce income. One of the things I like to look at within portfolios is how we get growth as well as income. Income is dividends that are paid out of the investments, and it's paid to your cash account and then reinvested back into your portfolio for compounding effect.\n\nChannel 1: Of course.\n\nChannel 0: Physical\n\nChannel 1: You're immune.\n\nChannel 0: gold doesn't pay any income. Gold and silver and a lot of those commodities like metals, there's no income produced from those. So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains. And that's essentially\n\nChannel 1: Yes.\n\nChannel 0: what we're doing here. You've had a really good gain in the portfolio. We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Underneath that, you've got the bank hybrids. These are more of a defensive investment, but these are being phased out down down the track by the government. So I'm removing them now rather than holding on till we have to make that change.\n\nI would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey. We have a couple of weeks. We have to get you out of this investment. So these investments that... Essentially, the government wants to streamline a lot of the investments.\n\nThere are a lot of complex complex banking investments out there, and this is one of those. This is sort\n\nChannel 1: Okay.\n\nChannel 0: of like bonds and shares together. It's a... An investment. You're you're putting money into banking products. The banks are then using that money to lend out.\n\nThey're giving you a return by way of a compound payment or an income payment, but bank hybrids are also traded a little bit like shares as well. So in the great scheme of things, they are defensive in nature. They tend to get a lower rate of return. However, they are a little bit more risky on the side of defensive investments. So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. We've also got the iShares Europe investment there. Now you don't have any of this in your portfolio currently. This is giving access and exposure to all the 16 European country... Countries there.\n\nWe wanna hold 9% of this investment. Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there. So we do see it as an area to be invested. We're only holding 9% of your portfolio in here. The MSCI...\n\nSo the Miski Japan, this is giving you access and exposure to the Japanese market. Essentially, years ago, everyone was surmising China was the place to be. However, Japan has seen some really good growth. And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis. So, essentially, seeing where Japan is, where it is going, and where there's a bit of growth there, it is a really good place to be invested.\n\nSo we see 5% moved into the Japanese market for you.\n\nChannel 1: K. Yep.\n\nChannel 0: Underneath that, you've got the Vanguard All World x US investment. Now this is essentially giving you exposure to the entire globe. One of the biggest ways to be able to mitigate risk is to diversify. So invest in lots of different areas, different countries, and different asset classes. The Vanguard or World ex US investment is giving you exposure to essentially the entire globe minus The US today.\n\nWe don't need The US in there because we have access to the S and P 500 above, but we wanna hold 8% of this investment for you as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: But because we're removing the Raffy and the Benelon Australian Equities, we still need to see exposure into the Australian share market. And the BetaShares a 200 is what's giving you that. It's essentially giving you exposure to the top 200 companies on the ASX. It is a passively managed investment. It is tracking in indices, and it is a really good place to be.\n\nWe have seen good exposure to the Australian market, and it is important to have a little bit of exposure in the Australian market as well. We tend to force it with The US, and so whilst we don't tend to get as good returns as what The US does, it is still important to have exposure into the Australian market there. So we'll see 25% invested in that investment for you. Okay?\n\nChannel 1: K.\n\nChannel 0: Excellent. And then the last one at the very bottom on the next page there, you've got the iShares core composite bond. Now bonds, this is giving you exposure to both the government as well as corporate bonds. It does also have a little bit of international exposure with debt and other notes and fixed interest, which is great. Essentially, this is more of a defensive investment.\n\nSo within your portfolio, within a high growth environment, we wanna... Sort of wanna stay between five to 10% invested in defensive investments. Bonds do pay income payments, which gets paid into your cash account, and that does help with the compounding effect there as well. And that's the important thing because we're not able to factor in contributions right now. We wanna make sure that the investments are paying dividends as well.\n\nWhen we look at this newer portfolio, essentially, all of the investments minus the gold will pay dividend and income payments throughout the year, and that will definitely help to provide a bit of income, which can be re... Report back into your portfolio or reinvested for that compounding effect down the track there as well. Okay?\n\nChannel 1: Well, okay.\n\nChannel 0: Easy.\n\nChannel 1: Yep.\n\nChannel 0: Now that is a lot. I get that. Do you have any questions?\n\nChannel 1: Look, I only an intuitive question that I know that\n\nChannel 0: Sure.\n\nChannel 1: you when we set out here, there was... And the fact that I wasn't putting in a lot of money into my super at the moment. Does... Did that weigh then more than it should have in my investment portfolio on what I was investing in because I wasn't putting in that much. And\n\nChannel 0: No.\n\nChannel 1: you've mentioned that... No. So this is still\n\nChannel 0: Yeah.\n\nChannel 1: a good rounded account, a good\n\nChannel 0: Yeah.\n\nChannel 1: rounded investment portfolio\n\nChannel 0: Absolutely.\n\nChannel 1: even even for someone who's contributing, you know, a good amount, a normal\n\nChannel 0: Yeah.\n\nChannel 1: sort of 11% from their wage sort of thing.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: That is...\n\nChannel 0: Most\n\nChannel 1: Yeah.\n\nChannel 0: definitely. Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: And look, your balance isn't bad. You're almost at $200,000 mark, which is great. So your balance is not bad by any means. And as things change... So once we kinda\n\nChannel 1: Yeah.\n\nChannel 0: go through and make this change with your portfolio, I'll make sure we catch up in the next few months there to see how it's tracking, and then we'll just keep reviewing things moving forward. If things change with your occupation, if you decide to take on more work and get regular contributions, we can always come back and look at that again and sort of see how that's tracking down the track. If you get a new job, we'll update the advice to reflect changes to your circumstances there. So it's by no means having a bad effect. You are still increasing.\n\nYou are still getting growth. We just wanna keep that compounding forward. And as we need to make changes to your portfolio, that happens. It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you. Does that make sense?\n\nChannel 1: It does. Yep. Thanks, Diana.\n\nChannel 0: Yeah. That's okay. The only other thing on the bottom there of that same page is your cash account there. So you do have a little bit too much cash sitting there at the moment. I'm gonna take about 3,900 and reinvest that back into your portfolio.\n\nWe only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you.\n\nChannel 1: Okay. Yep. Thank you.\n\nChannel 0: Yeah. That's okay. The only other thing to kinda go through as on page number 24 is that beneficiary side of things. So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super. They are your children's.\n\nThey meet the definition of a dependent under the CIS Act. They, unfortunately, don't quite meet the definition of a dependent under the tax act, so they would have to pay tax on the... A portion of the benefit. But it's better to do it this way at the moment and update it when you have a will in place rather than leaving it as it is. Because as I mentioned before, if you would have passed away now and, you know, that benefit was to be paid out, it would have to go to your estate, which is your legal personal representative.\n\nWithout having a will in place, the money in your estate then has to go through probate. Probate is a legal process where it goes to the court system. Essentially, they go out there and look for beneficiaries. People can come forward and make a claim. There's no guarantees they'll be able to claim on that.\n\nHowever, they can make that claim. And then the court system decides how that's going to be distributed in accordance with the state laws. So it does mean that the people that you want the money directed to may not may not receive it essentially or may not receive the portion that you wanted them to get. So updating that beneficiary nomination to reflect that directly for the time being is appropriate and making sure that your two children are able to claim their portion correctly in the event that you were able to pass away. And when and if you get a will completed, then we can always update that down the track to make it a more tax effective beneficiary for you.\n\nOkay?\n\nChannel 1: Okay. Thank\n\nChannel 0: That's\n\nChannel 1: you.\n\nChannel 0: okay. I've also got a little bit in there below about doing up a will and power of attorney. We can refer you to a solicitor. Alternatively, if you have a local solicitor that you're comfortable talking to that you would like to seek, you can just go in there, speak to them, find out how much they charge for doing up a will and power of attorney, and then having those sorts of documents done up there. It is really important to have those sorts of things done up.\n\nBeneficiary\n\nChannel 1: Yeah.\n\nChannel 0: nominations look after your super and your life insurance. But a lot of people look around and go, look. I don't really have very much. But, realistically, if you look around your cars, your savings, your, you know, family heirlooms and things that are important to you, they still need to be directed to the person that you want them to be directed to, and having a will done up is a really important way of doing that. You\n\nChannel 1: Mhmm.\n\nChannel 0: can also just get a will kit from the post office and fill it out. They're about $30.35 odd dollars. And as long as you fill it out as per the directions, it is a valid will kit. The benefit to having it done through a solicitor is that it... Whilst every will is contestable, it is less contestable.\n\nSo wills are more likely to be adhered to or go through the court system and be, you know, referenced if they are done through a solicitor and they are done up correctly. Will kits tend to be a little bit more contestable and don't hold up as often. So there are those sorts of advantages to seeking the services of a solicitor, albeit it can be a little bit more expensive to do so. Okay.\n\nChannel 1: How much is it? Usually, like, couple $100. I suppose it depends a few $100 an hour out there.\n\nChannel 0: Yeah.\n\nChannel 1: Our lawyer usually. So\n\nChannel 0: Yeah. It tends to depend on what you need done, but a simple will kit can be done anywhere from, say, 2 to $500.\n\nChannel 1: Yep.\n\nChannel 0: I know mine was a little bit more complex, so it did cost my will, power of attorney, and guardianship documents a bit over 1,000. But,\n\nChannel 1: Well,\n\nChannel 0: you know, will and power of attorney, if you're just having something very simple, they can normally do anywhere from 2 to $500 simply. You know, a solicitor may charge a little bit more. You could even just, you know, go online, have a look, and do a web inquiry into a a few different local solicitors to see what they might charge just to do a basic will kit to cover you and maybe power of attorney as well. Yeah.\n\nChannel 1: That's true. Yep. Yep.\n\nChannel 0: Yeah. Easy. The only other section I need to sort of show you is if you go down to page 34 for me...\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. This is just showing you the ongoing... The remuneration side of things. So where there's no implementation or no upfront fees for the advice, that is all part of our services as you've been an ongoing service client. You pay the ongoing service fee, which is estimated in the projection table in here for you as well.\n\nAnd with the Ascendor policy, we do receive ongoing remuneration from them. At the moment, based on 22%, which is the legislative percentage we receive, they pay us $1,486. That has no reflection of our recommendations in any way, shape, or form. What we do is in your best interest to help you meet your goals, and we are going through that process of having your loading reviewed as well, which will make your premium cheaper, which means the amount we receive will also reduce as well. So this is just disclosing how much we receive and how that works there for you, but just making sure you're aware that that has no reflection on my recommendations.\n\nI work in your best interest. Okay.\n\nChannel 1: Would you... I mean, did... Would you get that from any, life insurance company then? Or\n\nChannel 0: Absolutely. Yeah. So the life insurance remuneration's legislated and standardized across the board. It's 66% of the first year's premium and 22% they're ongoing. And it's being standardized\n\nChannel 1: Or...\n\nChannel 0: because believe it or not, back in the cowboy days, essentially, advisors used to get a 100 to a 110% upfront remuneration from insurance companies. So that was pretty hefty kind of remuneration. It became, you know, a lot of swapping and changing, and a lot of things happened back in those days.\n\nChannel 1: Yeah. Well, it's a\n\nChannel 0: And\n\nChannel 1: little different.\n\nChannel 0: so...\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Absolutely. And so standardization needed to occur of the remuneration aspect there. So that's why it is 66% of the first year's premium, 22%, they're ongoing. But through the advice document, when you take some time to review it, you'll note that I've got best interest, Judy, in there, so relating my recommendations back to your goals and why this is in your best interest. So the fee side of things isn't the most important for me.\n\nIt's about making sure things are working harder for you. Okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: That's basic... That's okay. That is basically everything. I'll let you take that back to have some time to read it over. I know it is a lot first thing in the morning, so take some time to read the document.\n\nIf you find you have questions, you're welcome to let me know. If you're happy to take the advice and make the changes, we'll just get you to sign and return that back. Implementation wise, how we'll proceed with this is once you sign and return the document back, our team will make the changes within your investment portfolio in your super. They'll do the switch in the back end. You'll probably get emails to say we're making those changes, and then we'll get your beneficiary nominations also sent out to you so they can be updated on your ascender policy.\n\nAnd in the meantime, we'll get that loading reviewed for you on your heart murmur as well. Okay?\n\nChannel 1: Okay. And then I can follow-up and do that that legal will sort of\n\nChannel 0: Yeah.\n\nChannel 1: things and let you know because,\n\nChannel 0: Abs...\n\nChannel 1: yeah, there was some\n\nChannel 0: Yeah.\n\nChannel 1: benefit there to do that too, wasn't there?\n\nChannel 0: Absolutely. Yeah. Protecting everything else that you've worked so hard for. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Of course. Yeah.\n\nChannel 0: Is there any questions that you can think of that you might need answered at the moment there, Jay? Is there anything that's come up\n\nChannel 1: No.\n\nChannel 0: in amongst\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: Like, we've\n\nChannel 0: No?\n\nChannel 1: covered everything, Dana, as\n\nChannel 0: Beautiful.\n\nChannel 1: as usual. Yeah. I appreciate that. So,\n\nChannel 0: That's okay.\n\nChannel 1: no, I I... I'll just read over that and and should\n\nChannel 0: Beautiful.\n\nChannel 1: sign it later later or in a couple of hours once I've Had to think that that we've... I think we've covered everything.\n\nChannel 0: Absolutely.\n\nChannel 1: So I've\n\nChannel 0: Yeah.\n\nChannel 1: been keeping up looking through as well. So\n\nChannel 0: Fantastic.\n\nChannel 1: just... Yeah. All good. Thank you kindly.\n\nChannel 0: Excellent.\n\nChannel 1: It's a, yeah,\n\nChannel 0: Thank...\n\nChannel 1: good document.\n\nChannel 0: My pleasure.\n\nChannel 1: Gives me some gives me some things that I need to to action as well. It just keeps me\n\nChannel 0: Yes.\n\nChannel 1: sort of empowered with it, I I I guess. So... Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: No. It's good.\n\nChannel 0: And that's really important. You know, you've worked really hard. You will work really hard. By the time you get to retirement, you've basically worked a lifetime. So making sure that you understand what we're doing, why we're doing it, how we're doing it is really important.\n\nI love the educational value of my job, helping you understand what we're doing because no one learns any of this at school. We all have to come out and learn it as adults. But, also, making sure that you're empowered to be able to do things as well is really important to me. So, yeah, I'm glad that I was able to help you with that.\n\nChannel 1: Yeah. No. You're good at it, Dana. Thank you. I I do\n\nChannel 0: Thank\n\nChannel 1: recommend\n\nChannel 0: you.\n\nChannel 1: you guys. So... Or when\n\nChannel 0: Oh,\n\nChannel 1: things\n\nChannel 0: thank\n\nChannel 1: come\n\nChannel 0: you.\n\nChannel 1: up. So... Yep.\n\nChannel 0: Thank\n\nChannel 1: I'll...\n\nChannel 0: you so much.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Easy. Thank\n\nChannel 1: Alright.\n\nChannel 0: you for your time, Jay. I'll let you go. I hope you have a good rest of your day.\n\nChannel 1: Yes. Yeah. You too. Thanks, Dana. Yeah.\n\nChannel 0: My pleasure. I'll talk to you soon.\n\nChannel 1: Okay. See you soon. Bye bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Yes.","start":2.72,"end":3.04,"sentiment":"neutral","sentiment_score":0.046988531947135925},{"text":"Sorry, Diana.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":-0.053185995668172836},{"text":"I'm","start":3.84,"end":4.16,"sentiment":"neutral","sentiment_score":-0.07821421325206757}],"sentiment":"neutral","sentiment_score":-0.03439941816031933,"channel":1,"num_words":4,"start":2.72,"end":4.16},{"sentences":[{"text":"Oh,","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":-0.14184194803237915}],"sentiment":"neutral","sentiment_score":-0.14184194803237915,"channel":0,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"not sure.","start":4.16,"end":4.72,"sentiment":"neutral","sentiment_score":-0.154042549431324},{"text":"Yeah.","start":4.72,"end":5.22,"sentiment":"neutral","sentiment_score":-0.09203818440437316}],"sentiment":"neutral","sentiment_score":-0.13337442775567374,"channel":1,"num_words":3,"start":4.16,"end":5.22},{"sentences":[{"text":"no.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":-0.13625961542129517},{"text":"No.","start":6.56,"end":6.7999997,"sentiment":"neutral","sentiment_score":-0.15996769070625305},{"text":"I'm","start":6.7999997,"end":6.96,"sentiment":"neutral","sentiment_score":-0.1280585676431656}],"sentiment":"neutral","sentiment_score":-0.14142862459023794,"channel":0,"num_words":3,"start":6.24,"end":6.96},{"sentences":[{"text":"Oh,","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":-0.1478537619113922}],"sentiment":"neutral","sentiment_score":-0.1478537619113922,"channel":1,"num_words":1,"start":6.8799996,"end":7.12},{"sentences":[{"text":"so","start":6.96,"end":7.2,"sentiment":"neutral","sentiment_score":-0.17373454570770264}],"sentiment":"neutral","sentiment_score":-0.17373454570770264,"channel":0,"num_words":1,"start":6.96,"end":7.2},{"sentences":[{"text":"no.","start":7.12,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.2025999426841736}],"sentiment":"neutral","sentiment_score":-0.2025999426841736,"channel":1,"num_words":1,"start":7.12,"end":7.3599997},{"sentences":[{"text":"sorry","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":-0.2376285195350647}],"sentiment":"neutral","sentiment_score":-0.2376285195350647,"channel":0,"num_words":1,"start":7.2,"end":7.52},{"sentences":[{"text":"I'm","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.27248382568359375}],"sentiment":"neutral","sentiment_score":-0.27248382568359375,"channel":1,"num_words":1,"start":7.3599997,"end":7.8599997},{"sentences":[{"text":"that I don't know what happened there.","start":7.52,"end":8.88,"sentiment":"neutral","sentiment_score":-0.2710661143064499},{"text":"I do apologize","start":8.88,"end":9.7,"sentiment":"neutral","sentiment_score":-0.16942585756381354}],"sentiment":"neutral","sentiment_score":-0.24057403728365898,"channel":0,"num_words":10,"start":7.52,"end":9.7},{"sentences":[{"text":"sick.","start":9.24,"end":9.74,"sentiment":"neutral","sentiment_score":-0.23861828446388245}],"sentiment":"neutral","sentiment_score":-0.23861828446388245,"channel":1,"num_words":1,"start":9.24,"end":9.74},{"sentences":[{"text":"about that.","start":9.76,"end":10.5,"sentiment":"neutral","sentiment_score":-0.12866684049367905}],"sentiment":"neutral","sentiment_score":-0.12866684049367905,"channel":0,"num_words":2,"start":9.76,"end":10.5},{"sentences":[{"text":"No.","start":11.12,"end":11.36,"sentiment":"neutral","sentiment_score":-0.18965841829776764},{"text":"I think it's mine.","start":11.36,"end":12.2,"sentiment":"neutral","sentiment_score":-0.17254513502120972},{"text":"I think I don't have great phone reception today by the look of it.","start":12.2,"end":15.915,"sentiment":"negative","sentiment_score":-0.4672978073358536},{"text":"So","start":15.915,"end":16.415,"sentiment":"neutral","sentiment_score":-0.1603013575077057}],"sentiment":"negative","sentiment_score":-0.3791154809296131,"channel":1,"num_words":20,"start":11.12,"end":16.415},{"sentences":[{"text":"No.","start":16.815,"end":17.055,"sentiment":"neutral","sentiment_score":-0.18700358271598816},{"text":"That's okay.","start":17.055,"end":17.695,"sentiment":"neutral","sentiment_score":-0.08297282457351685},{"text":"When I tried to call you back, my...","start":17.695,"end":19.295,"sentiment":"neutral","sentiment_score":-0.09116649720817804},{"text":"I got this error on my phone system saying there was no SIP trunk.","start":19.295,"end":22.575,"sentiment":"neutral","sentiment_score":-0.27154691943100523},{"text":"I don't know what a SIP trunk is, but it seems like it needed it.","start":22.575,"end":25.855,"sentiment":"neutral","sentiment_score":-0.19444483717282612}],"sentiment":"neutral","sentiment_score":-0.19501526597887278,"channel":0,"num_words":40,"start":16.815,"end":25.855},{"sentences":[{"text":"So I just closed my phone system and reopened it to see if restarting it","start":25.855,"end":30.51,"sentiment":"neutral","sentiment_score":-0.09793123702208201}],"sentiment":"neutral","sentiment_score":-0.09793123702208201,"channel":0,"num_words":15,"start":25.855,"end":30.51},{"sentences":[{"text":"Yeah.","start":30.359999,"end":30.859999,"sentiment":"neutral","sentiment_score":0.009336378425359726}],"sentiment":"neutral","sentiment_score":0.009336378425359726,"channel":1,"num_words":1,"start":30.359999,"end":30.859999},{"sentences":[{"text":"might work, and that seems to have done the trick.","start":30.51,"end":33.55,"sentiment":"neutral","sentiment_score":-0.029047232866287232},{"text":"So I do apologize about that.","start":33.55,"end":35.57,"sentiment":"neutral","sentiment_score":-0.16896492863694826}],"sentiment":"neutral","sentiment_score":-0.08151636878028512,"channel":0,"num_words":16,"start":30.51,"end":35.57},{"sentences":[{"text":"No.","start":35.96,"end":36.28,"sentiment":"neutral","sentiment_score":-0.1282854676246643},{"text":"Look, if it happens to me, I'll try it again myself and...","start":36.28,"end":39.5,"sentiment":"neutral","sentiment_score":-0.10246459456781547}],"sentiment":"neutral","sentiment_score":-0.10445081557218845,"channel":1,"num_words":13,"start":35.96,"end":39.5},{"sentences":[{"text":"Yeah.","start":39.71,"end":40.21,"sentiment":"neutral","sentiment_score":0.004957124590873718}],"sentiment":"neutral","sentiment_score":0.004957124590873718,"channel":0,"num_words":1,"start":39.71,"end":40.21},{"sentences":[{"text":"Yeah.","start":40.28,"end":40.78,"sentiment":"neutral","sentiment_score":0.029340622946619987}],"sentiment":"neutral","sentiment_score":0.029340622946619987,"channel":1,"num_words":1,"start":40.28,"end":40.78},{"sentences":[{"text":"You're right.","start":40.43,"end":41.205,"sentiment":"neutral","sentiment_score":0.0925121158361435},{"text":"I tried to sort of call you back fairly quickly because our phones don't actually open till 08:30 Queensland time, so you can't get through.","start":41.285004,"end":48.905003,"sentiment":"neutral","sentiment_score":-0.10924448549747467},{"text":"So I tried to sort of call back fairly quickly to save you trying to get through on a phone system that won't call through, essentially.","start":49.205,"end":55.385002,"sentiment":"neutral","sentiment_score":-0.13716263137757778}],"sentiment":"neutral","sentiment_score":-0.11532672304870947,"channel":0,"num_words":53,"start":40.43,"end":55.385002},{"sentences":[{"text":"Yes.","start":56.125,"end":56.525,"sentiment":"neutral","sentiment_score":0.03682765364646912},{"text":"I realized that","start":56.525,"end":57.325,"sentiment":"neutral","sentiment_score":0.008223332464694977}],"sentiment":"neutral","sentiment_score":0.015374412760138513,"channel":1,"num_words":4,"start":56.125,"end":57.325},{"sentences":[{"text":"Yeah.","start":57.28,"end":57.78,"sentiment":"neutral","sentiment_score":0.03654509037733078}],"sentiment":"neutral","sentiment_score":0.03654509037733078,"channel":0,"num_words":1,"start":57.28,"end":57.78},{"sentences":[{"text":"too because I did call back.","start":57.325,"end":59.025,"sentiment":"neutral","sentiment_score":0.008641093348463377},{"text":"Yeah.","start":59.485,"end":59.985,"sentiment":"neutral","sentiment_score":-0.08766931295394897}],"sentiment":"neutral","sentiment_score":-0.005117536123309817,"channel":1,"num_words":7,"start":57.325,"end":59.985},{"sentences":[{"text":"And it didn't work.","start":60.239998,"end":61.44,"sentiment":"neutral","sentiment_score":-0.203943882137537},{"text":"Yeah.","start":61.44,"end":61.94,"sentiment":"neutral","sentiment_score":-0.016697829589247704}],"sentiment":"neutral","sentiment_score":-0.16649467162787915,"channel":0,"num_words":5,"start":60.239998,"end":61.94},{"sentences":[{"text":"Yeah.","start":62.25,"end":62.75,"sentiment":"neutral","sentiment_score":4.332512617111206e-6}],"sentiment":"neutral","sentiment_score":4.332512617111206e-6,"channel":1,"num_words":1,"start":62.25,"end":62.75},{"sentences":[{"text":"No.","start":63.2,"end":63.44,"sentiment":"neutral","sentiment_score":-0.002821054309606552},{"text":"That's all good.","start":63.44,"end":64.58,"sentiment":"neutral","sentiment_score":0.19226674983898798}],"sentiment":"neutral","sentiment_score":0.14349479880183935,"channel":0,"num_words":4,"start":63.2,"end":64.58},{"sentences":[{"text":"I think there was an email coming out via mobile number or something that I could contact you or something.","start":64.97,"end":72.25,"sentiment":"neutral","sentiment_score":0.04603052232414484},{"text":"I I think","start":72.25,"end":72.97,"sentiment":"neutral","sentiment_score":0.020484553029139835}],"sentiment":"neutral","sentiment_score":0.04269843937262245,"channel":1,"num_words":23,"start":64.97,"end":72.97},{"sentences":[{"text":"Alright.","start":72.865,"end":73.365,"sentiment":"neutral","sentiment_score":0.08331838250160217}],"sentiment":"neutral","sentiment_score":0.08331838250160217,"channel":0,"num_words":1,"start":72.865,"end":73.365},{"sentences":[{"text":"it's back.","start":72.97,"end":74.025,"sentiment":"neutral","sentiment_score":0.05244055017828941},{"text":"Yeah.","start":74.085,"end":74.325,"sentiment":"neutral","sentiment_score":0.007976114749908447},{"text":"I'm sure it said something like that yesterday, but, yeah, I'm not 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sporadically.","start":869.06,"end":872.28,"sentiment":"neutral","sentiment_score":-0.0837724690253918},{"text":"You're looking at, you know, trying to change jobs.","start":872.34,"end":874.26,"sentiment":"neutral","sentiment_score":-0.06907105073332787},{"text":"There's a a few different changes in your life occurring at the moment, and you're sort of working through what you wanted to do moving forward.","start":874.26,"end":880.6,"sentiment":"neutral","sentiment_score":-0.04735554052660099},{"text":"So we've got no real steady contributions going into the fund, so I wasn't able to take into account those contributions going in.","start":880.795,"end":887.995,"sentiment":"neutral","sentiment_score":-0.0850595859405787},{"text":"So being able to limit the CDT effect means that more money stays invested working harder for you.","start":887.995,"end":894.655,"sentiment":"neutral","sentiment_score":0.05610383219189114}],"sentiment":"neutral","sentiment_score":-0.0436901921887746,"channel":0,"num_words":89,"start":869.06,"end":894.655},{"sentences":[{"text":"I've also looked at the fee side of things as well.","start":894.74,"end":897.45996,"sentiment":"neutral","sentiment_score":0.1640080978924578},{"text":"So I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit.","start":897.45996,"end":911.965,"sentiment":"positive","sentiment_score":0.5055521303415298},{"text":"So I am recommending we retain hub twenty four.","start":912.585,"end":914.825,"sentiment":"positive","sentiment_score":0.5120459629429711},{"text":"It is a good fund.","start":914.825,"end":915.78503,"sentiment":"positive","sentiment_score":0.7287433743476868},{"text":"There's still nothing wrong with the fund itself.","start":915.78503,"end":917.805,"sentiment":"neutral","sentiment_score":0.2674214765429497}],"sentiment":"positive","sentiment_score":0.4514843125838831,"channel":0,"num_words":83,"start":894.74,"end":917.805},{"sentences":[{"text":"Think of hub twenty four as basically the vehicle.","start":918.025,"end":920.585,"sentiment":"neutral","sentiment_score":0.1262053574124972},{"text":"It's like a car.","start":920.585,"end":921.72504,"sentiment":"neutral","sentiment_score":0.05831702519208193},{"text":"It's getting you from a to b, but what's really gonna make you the returns and get your super working harder is essentially your contributions and also the actual investments within the fund there.","start":921.94,"end":932.42004,"sentiment":"neutral","sentiment_score":0.16935168272432158},{"text":"So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you.","start":932.42004,"end":945.91504,"sentiment":"neutral","sentiment_score":0.2991991076204512},{"text":"Okay?","start":945.91504,"end":946.41504,"sentiment":"neutral","sentiment_score":0.11972416937351228}],"sentiment":"neutral","sentiment_score":0.22269631766023174,"channel":0,"num_words":93,"start":918.025,"end":946.41504},{"sentences":[{"text":"Okay.","start":946.935,"end":947.435,"sentiment":"neutral","sentiment_score":0.1254495084285736},{"text":"Yeah.","start":947.575,"end":948.075,"sentiment":"neutral","sentiment_score":0.1632995307445526}],"sentiment":"neutral","sentiment_score":0.1443745195865631,"channel":1,"num_words":2,"start":946.935,"end":948.075},{"sentences":[{"text":"When you do get contributions going in from your current employer or any additional employers down the track, we'll keep those going into Hub twenty four.","start":948.555,"end":956.33,"sentiment":"neutral","sentiment_score":0.15611188371594137},{"text":"And I have recommended an investment switch here for you, and I'll take you through that in a second.","start":956.95,"end":961.77,"sentiment":"neutral","sentiment_score":0.1795437979070764},{"text":"Okay?","start":961.99,"end":962.49,"sentiment":"neutral","sentiment_score":0.12357375025749208}],"sentiment":"neutral","sentiment_score":0.1650829323284004,"channel":0,"num_words":46,"start":948.555,"end":962.49},{"sentences":[{"text":"Okay.","start":962.475,"end":962.975,"sentiment":"neutral","sentiment_score":0.2958553731441498}],"sentiment":"neutral","sentiment_score":0.2958553731441498,"channel":1,"num_words":1,"start":962.475,"end":962.975},{"sentences":[{"text":"Excellent.","start":964.415,"end":964.815,"sentiment":"positive","sentiment_score":0.5771458148956299},{"text":"Now I'm gonna skip a couple of pages because you'll get to go back and have a really good read of everything there as well.","start":964.815,"end":970.035,"sentiment":"neutral","sentiment_score":0.24625082612037658},{"text":"But if I can get you to scroll down for me, just the page number 19, this one has the heading c comparison superannuation.","start":970.095,"end":979.315,"sentiment":"neutral","sentiment_score":0.07841605180874467}],"sentiment":"neutral","sentiment_score":0.17230803422629834,"channel":0,"num_words":50,"start":964.415,"end":979.315},{"sentences":[{"text":"Yes.","start":985.98,"end":986.38,"sentiment":"neutral","sentiment_score":0.1228158324956894},{"text":"Yep.","start":986.38,"end":986.88,"sentiment":"neutral","sentiment_score":0.13791248202323914}],"sentiment":"neutral","sentiment_score":0.13036415725946426,"channel":1,"num_words":2,"start":985.98,"end":986.88},{"sentences":[{"text":"Yep.","start":987.18,"end":987.58,"sentiment":"neutral","sentiment_score":0.2488987147808075},{"text":"Beautiful.","start":987.58,"end":988.08,"sentiment":"positive","sentiment_score":0.5811803936958313},{"text":"So this is showing you essentially the recommendations side by side.","start":988.54,"end":992.64,"sentiment":"neutral","sentiment_score":0.3095726831392808},{"text":"Essentially, with your current balance as of the time we've prepared the documents sitting at a $186,007.42.","start":993.335,"end":999.835,"sentiment":"neutral","sentiment_score":0.21401175243013046},{"text":"Within your current fund, you've got administration fees, investment fees, our ongoing service fee us looking after everything and updating advice, and your insurance premiums at the current level there as well.","start":999.97504,"end":1010.49,"sentiment":"neutral","sentiment_score":0.20826126215979457}],"sentiment":"neutral","sentiment_score":0.23448288392636082,"channel":0,"num_words":62,"start":987.18,"end":1010.49},{"sentences":[{"text":"Underneath that, the investor profile, so you're in a high growth portfolio that has that ninety ten split between 90% growth investments and 10% lower risk defensive investments, that was something that you were fairly happy retaining trying to get greater potential growth down the track there.","start":1011.50995,"end":1027.965,"sentiment":"neutral","sentiment_score":0.2728934502030941},{"text":"So we are retaining that risk profile.","start":1027.965,"end":1030.145,"sentiment":"neutral","sentiment_score":0.20530120602675847},{"text":"When we look at how the investments have performed over the past five years, we look at a five year rolling average.","start":1030.94,"end":1036.64,"sentiment":"neutral","sentiment_score":0.18721449747681618},{"text":"And this looks at the last five years and averages out what the returns have looked like for the individual portfolio.","start":1036.78,"end":1042.32,"sentiment":"neutral","sentiment_score":0.2020277033249537},{"text":"This","start":1043.195,"end":1043.515,"sentiment":"neutral","sentiment_score":0.23204557597637177}],"sentiment":"neutral","sentiment_score":0.23322904991860294,"channel":0,"num_words":98,"start":1011.50995,"end":1043.515},{"sentences":[{"text":"Mhmm.","start":1043.42,"end":1043.92,"sentiment":"neutral","sentiment_score":0.17424120008945465}],"sentiment":"neutral","sentiment_score":0.17424120008945465,"channel":1,"num_words":1,"start":1043.42,"end":1043.92},{"sentences":[{"text":"portfolio has averaged about 10.06%.","start":1043.515,"end":1046.655,"sentiment":"neutral","sentiment_score":0.19366029351949693},{"text":"As by no means, a bad return is good when you compound forward.","start":1046.955,"end":1050.575,"sentiment":"neutral","sentiment_score":0.30557756326519525},{"text":"However, some of the investments have under the...","start":1050.795,"end":1052.795,"sentiment":"neutral","sentiment_score":-0.06349299242720008},{"text":"Have been underperforming a bit.","start":1052.795,"end":1054.155,"sentiment":"negative","sentiment_score":-0.3342548102140427},{"text":"So we wanted to look at updating and changing your portfolio as times have definitely changed, and they do need to be updated on a regular basis or every so often as well for you.","start":1054.155,"end":1064.24,"sentiment":"neutral","sentiment_score":-0.050726901846272605}],"sentiment":"neutral","sentiment_score":0.0149416702263283,"channel":0,"num_words":66,"start":1043.515,"end":1064.24},{"sentences":[{"text":"Okay?","start":1064.24,"end":1064.74,"sentiment":"neutral","sentiment_score":0.05253864824771881},{"text":"With the recommended column, we are still recommending you stay within hub twenty four.","start":1066.48,"end":1070.4,"sentiment":"neutral","sentiment_score":0.20831348427704402},{"text":"Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you.","start":1070.72,"end":1078.675,"sentiment":"positive","sentiment_score":0.4082074202597141},{"text":"So if you look at the differences column there, you'll notice the balance between the current recommended is exactly the same, and there's no CGT consequence.","start":1078.675,"end":1087.4,"sentiment":"positive","sentiment_score":0.3729257486187495},{"text":"So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments.","start":1087.5399,"end":1102.7351,"sentiment":"positive","sentiment_score":0.45267111212015154}],"sentiment":"positive","sentiment_score":0.38717109306689795,"channel":0,"num_words":109,"start":1064.24,"end":1102.7351},{"sentences":[{"text":"It essentially evens itself out, so your super fund has zero 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what page are we looking at there?","start":1114.325,"end":1116.245,"sentiment":"neutral","sentiment_score":-0.015738023445010185},{"text":"Sorry.","start":1116.245,"end":1116.645,"sentiment":"neutral","sentiment_score":-0.03550822660326958},{"text":"Is it just","start":1116.645,"end":1117.545,"sentiment":"neutral","sentiment_score":-0.026091525331139565}],"sentiment":"neutral","sentiment_score":-0.019973915846397478,"channel":1,"num_words":12,"start":1114.325,"end":1117.545},{"sentences":[{"text":"Okay.","start":1117.85,"end":1118.33,"sentiment":"neutral","sentiment_score":-0.010412740521132946},{"text":"That's 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19.","start":1119.605,"end":1120.62,"sentiment":"neutral","sentiment_score":-0.017378730078538258},{"text":"Yep.","start":1120.86,"end":1121.1,"sentiment":"neutral","sentiment_score":0.019104091450572017},{"text":"Yep.","start":1121.1,"end":1121.6,"sentiment":"neutral","sentiment_score":0.029113514348864555}],"sentiment":"neutral","sentiment_score":-0.0007837168872356415,"channel":1,"num_words":5,"start":1119.605,"end":1121.6},{"sentences":[{"text":"Yeah.","start":1121.45,"end":1121.93,"sentiment":"neutral","sentiment_score":0.022379469126462936},{"text":"And that's the differences column, so in the table on the top 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are","start":1136.005,"end":1136.485,"sentiment":"neutral","sentiment_score":-0.07228702555100124}],"sentiment":"neutral","sentiment_score":-0.03509660357875483,"channel":1,"num_words":14,"start":1131.94,"end":1136.485},{"sentences":[{"text":"Mhmm.","start":1136.4651,"end":1136.9651,"sentiment":"neutral","sentiment_score":-0.061335425823926926}],"sentiment":"neutral","sentiment_score":-0.061335425823926926,"channel":0,"num_words":1,"start":1136.4651,"end":1136.9651},{"sentences":[{"text":"we losing by saving that $400?","start":1136.485,"end":1139.785,"sentiment":"neutral","sentiment_score":-0.15611502279837927},{"text":"I know it was just the more broader buying and selling, which we're doing a lot.","start":1140.0851,"end":1144.265,"sentiment":"neutral","sentiment_score":-0.009135977132245898},{"text":"And then when I I scroll down to page 21, it sort of seems to highlight the buy and selling differentials 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change","start":1157.07,"end":1157.63,"sentiment":"neutral","sentiment_score":0.2666355073451996}],"sentiment":"neutral","sentiment_score":0.2666355073451996,"channel":1,"num_words":3,"start":1157.07,"end":1157.63},{"sentences":[{"text":"gain.","start":1157.4199,"end":1157.685,"sentiment":"neutral","sentiment_score":0.25520408153533936}],"sentiment":"neutral","sentiment_score":0.25520408153533936,"channel":0,"num_words":1,"start":1157.4199,"end":1157.685},{"sentences":[{"text":"is?","start":1157.63,"end":1158.13,"sentiment":"neutral","sentiment_score":0.18605072796344757},{"text":"Is that what the change is there?","start":1158.35,"end":1160.13,"sentiment":"neutral","sentiment_score":0.11627458887440818}],"sentiment":"neutral","sentiment_score":0.1249966062605381,"channel":1,"num_words":8,"start":1157.63,"end":1160.13},{"sentences":[{"text":"Yeah.","start":1160.3251,"end":1160.645,"sentiment":"neutral","sentiment_score":0.23967529833316803},{"text":"Yeah.","start":1160.645,"end":1161.125,"sentiment":"neutral","sentiment_score":0.2936917245388031},{"text":"So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455.","start":1161.125,"end":1171.6051,"sentiment":"positive","sentiment_score":0.3574793028334777},{"text":"So that's a gain to you.","start":1171.6051,"end":1173.1499,"sentiment":"positive","sentiment_score":0.44837362319231033},{"text":"That's more money that stays invested in your portfolio.","start":1173.1499,"end":1175.8099,"sentiment":"positive","sentiment_score":0.5837710168626573}],"sentiment":"positive","sentiment_score":0.41602563858032227,"channel":0,"num_words":41,"start":1160.3251,"end":1175.8099},{"sentences":[{"text":"That's an advantage of changing the portfolio.","start":1175.95,"end":1178.2899,"sentiment":"positive","sentiment_score":0.7020309056554522},{"text":"It's cheaper and saving new funds.","start":1178.4299,"end":1180.37,"sentiment":"positive","sentiment_score":0.6590577860673269},{"text":"On that page 19, the five year rolling average also shows that this newer investment portfolio has obtained about 11.18%.","start":1181.7899,"end":1191.1051,"sentiment":"positive","sentiment_score":0.38489058464765546},{"text":"So over the past five years, it's actually averaged a much greater return, which depending on...","start":1191.1051,"end":1196.785,"sentiment":"positive","sentiment_score":0.35010469052940607},{"text":"And returns are never guaranteed.","start":1196.785,"end":1198.3251,"sentiment":"neutral","sentiment_score":0.08870147913694382}],"sentiment":"positive","sentiment_score":0.4187325406129713,"channel":0,"num_words":54,"start":1175.95,"end":1198.3251},{"sentences":[{"text":"However, moving forward, if a portfolio has gone through volatility and has seen those kinds of returns over the past, it means that they can obtain that down the track there.","start":1198.7051,"end":1207.73,"sentiment":"neutral","sentiment_score":0.21965084489314787},{"text":"So this newer portfolio is cheaper for you, keeps more money invested, has performed much better.","start":1207.73,"end":1213.67,"sentiment":"positive","sentiment_score":0.6622438058257103},{"text":"And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does.","start":1213.9249,"end":1225.2849,"sentiment":"positive","sentiment_score":0.6543879845203497},{"text":"So that is also a positive and a gain there for you.","start":1225.2849,"end":1228.645,"sentiment":"positive","sentiment_score":0.7391001085440317},{"text":"Does that make sense?","start":1228.645,"end":1229.64,"sentiment":"positive","sentiment_score":0.3596975803375244}],"sentiment":"positive","sentiment_score":0.521903922598736,"channel":0,"num_words":102,"start":1198.7051,"end":1229.64},{"sentences":[{"text":"It does.","start":1230.26,"end":1230.82,"sentiment":"neutral","sentiment_score":0.28997719287872314},{"text":"Yeah.","start":1230.82,"end":1231.32,"sentiment":"neutral","sentiment_score":0.13452398777008057}],"sentiment":"neutral","sentiment_score":0.23815945784250894,"channel":1,"num_words":3,"start":1230.26,"end":1231.32},{"sentences":[{"text":"Yeah.","start":1231.56,"end":1232.06,"sentiment":"neutral","sentiment_score":0.08853624761104584},{"text":"On page number 21, I definitely wanna take you through this because it is a...","start":1232.4401,"end":1236.68,"sentiment":"neutral","sentiment_score":0.060741245622436206},{"text":"An interesting page.","start":1236.68,"end":1237.72,"sentiment":"neutral","sentiment_score":0.04898989821473757},{"text":"There's a lot going on on that one, and that you are correct does show the buyers themselves that we essentially attend...","start":1237.72,"end":1244.665,"sentiment":"neutral","sentiment_score":0.06621231646700339},{"text":"Intend on making to be able to switch your portfolio for you.","start":1244.805,"end":1248.665,"sentiment":"neutral","sentiment_score":0.06137537956237793}],"sentiment":"neutral","sentiment_score":0.06301509704932852,"channel":0,"num_words":53,"start":1231.56,"end":1248.665},{"sentences":[{"text":"Okay.","start":1249.4049,"end":1249.9049,"sentiment":"neutral","sentiment_score":0.07994664460420609},{"text":"Yep.","start":1249.965,"end":1250.465,"sentiment":"neutral","sentiment_score":0.09261859953403472}],"sentiment":"neutral","sentiment_score":0.08628262206912041,"channel":1,"num_words":2,"start":1249.4049,"end":1250.465},{"sentences":[{"text":"Yeah.","start":1250.965,"end":1251.4451,"sentiment":"neutral","sentiment_score":0.10135414451360704},{"text":"So I'll take you through it to make it a little bit easier.","start":1251.4451,"end":1254.005,"sentiment":"neutral","sentiment_score":0.16327402683404776},{"text":"But looking at the first line there, the first column shows the investment name.","start":1254.005,"end":1257.557,"sentiment":"neutral","sentiment_score":0.0988283705498491},{"text":"So you've got cybersecurity within your portfolio currently, the APIR code.","start":1257.557,"end":1264.27,"sentiment":"neutral","sentiment_score":0.17442879419435153},{"text":"You don't have to worry too much about that line.","start":1264.27,"end":1266.19,"sentiment":"neutral","sentiment_score":0.22429560869932175}],"sentiment":"neutral","sentiment_score":0.1585548266160245,"channel":0,"num_words":49,"start":1250.965,"end":1266.19},{"sentences":[{"text":"That's more for us.","start":1266.19,"end":1267.15,"sentiment":"neutral","sentiment_score":0.2439400814473629},{"text":"That's more just so we know which investments to buy and sell because we use the ticket code or the APIR code to be able to find those investments nice and quickly.","start":1267.15,"end":1276.5549,"sentiment":"neutral","sentiment_score":0.24774528527632356},{"text":"Okay?","start":1276.775,"end":1277.275,"sentiment":"neutral","sentiment_score":0.07570742070674896}],"sentiment":"neutral","sentiment_score":0.242684239874015,"channel":0,"num_words":37,"start":1266.19,"end":1277.275},{"sentences":[{"text":"Okay.","start":1277.8351,"end":1278.3151,"sentiment":"neutral","sentiment_score":0.08440639078617096},{"text":"Yep.","start":1278.3151,"end":1278.8151,"sentiment":"neutral","sentiment_score":0.10578486323356628}],"sentiment":"neutral","sentiment_score":0.09509562700986862,"channel":1,"num_words":2,"start":1277.8351,"end":1278.8151},{"sentences":[{"text":"The current weighting, that is the next column.","start":1279.1749,"end":1281.4149,"sentiment":"neutral","sentiment_score":0.0795313660055399},{"text":"That's how much of each of these investments you have currently within your portfolio.","start":1281.4149,"end":1285.4349,"sentiment":"neutral","sentiment_score":0.10039261834962028},{"text":"And the current balance is how much of your super balance is invested within that portfolio currently as well.","start":1286.09,"end":1292.03,"sentiment":"neutral","sentiment_score":0.10705928033904026},{"text":"Okay?","start":1292.09,"end":1292.59,"sentiment":"neutral","sentiment_score":0.08905743062496185}],"sentiment":"neutral","sentiment_score":0.09916503195251737,"channel":0,"num_words":42,"start":1279.1749,"end":1292.59},{"sentences":[{"text":"Yep.","start":1293.2001,"end":1293.7001,"sentiment":"neutral","sentiment_score":0.11568200588226318}],"sentiment":"neutral","sentiment_score":0.11568200588226318,"channel":1,"num_words":1,"start":1293.2001,"end":1293.7001},{"sentences":[{"text":"Buying and selling is the change that we are going to make.","start":1294.65,"end":1297.85,"sentiment":"neutral","sentiment_score":0.21147440622250238},{"text":"So you'll see with cyber security, at the moment, you have eight percent invested in your portfolio.","start":1297.85,"end":1302.995,"sentiment":"neutral","sentiment_score":0.16770438499310436},{"text":"We only wanna hold 6%.","start":1303.375,"end":1305.295,"sentiment":"neutral","sentiment_score":-0.039880262315273286},{"text":"So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio.","start":1305.295,"end":1313.955,"sentiment":"neutral","sentiment_score":0.014854468250026306},{"text":"Okay?","start":1314.655,"end":1315.155,"sentiment":"neutral","sentiment_score":0.024993499740958217}],"sentiment":"neutral","sentiment_score":0.09441977704606824,"channel":0,"num_words":59,"start":1294.65,"end":1315.155},{"sentences":[{"text":"Okay.","start":1315.7799,"end":1316.2799,"sentiment":"neutral","sentiment_score":0.09010423719882964}],"sentiment":"neutral","sentiment_score":0.09010423719882964,"channel":1,"num_words":1,"start":1315.7799,"end":1316.2799},{"sentences":[{"text":"Beautiful.","start":1316.9701,"end":1317.4701,"sentiment":"positive","sentiment_score":0.3902865648269654},{"text":"India has been underperforming a bit there, so we are removing that one from your portfolio completely.","start":1317.53,"end":1322.3501,"sentiment":"neutral","sentiment_score":-0.20357985969852},{"text":"So that will go from 5.10 to zero.","start":1322.41,"end":1325.05,"sentiment":"neutral","sentiment_score":-0.07441543228924274},{"text":"That will be removed completely out of your portfolio.","start":1325.05,"end":1327.4701,"sentiment":"neutral","sentiment_score":-0.18945316473642984},{"text":"Okay?","start":1327.93,"end":1328.43,"sentiment":"neutral","sentiment_score":-0.005457034334540367}],"sentiment":"neutral","sentiment_score":-0.14934527848122847,"channel":0,"num_words":36,"start":1316.9701,"end":1328.43},{"sentences":[{"text":"Yep.","start":1329.085,"end":1329.585,"sentiment":"neutral","sentiment_score":0.054360829293727875}],"sentiment":"neutral","sentiment_score":0.054360829293727875,"channel":1,"num_words":1,"start":1329.085,"end":1329.585},{"sentences":[{"text":"The Global Healthcare, that one is a good investment to have.","start":1329.9651,"end":1333.265,"sentiment":"neutral","sentiment_score":0.22295737198807977},{"text":"However, it is more of a costly investment.","start":1333.5651,"end":1335.5651,"sentiment":"neutral","sentiment_score":-0.2848905920982361},{"text":"It has been very up and down there, and I found a newer portfolio which has a little bit lower risk and still gives you global access.","start":1335.5651,"end":1342.845,"sentiment":"neutral","sentiment_score":-0.038864405894720996},{"text":"So I am removing that completely","start":1342.845,"end":1344.625,"sentiment":"neutral","sentiment_score":-0.06761840730905533}],"sentiment":"neutral","sentiment_score":-0.024646981690938655,"channel":0,"num_words":52,"start":1329.9651,"end":1344.625},{"sentences":[{"text":"Okay.","start":1346.57,"end":1347.07,"sentiment":"neutral","sentiment_score":-0.033203694969415665}],"sentiment":"neutral","sentiment_score":-0.033203694969415665,"channel":1,"num_words":1,"start":1346.57,"end":1347.07},{"sentences":[{"text":"from your portfolio.","start":1346.71,"end":1347.75,"sentiment":"neutral","sentiment_score":-0.01337952290972074},{"text":"We've got the S and P 500.","start":1347.75,"end":1349.51,"sentiment":"neutral","sentiment_score":0.03868259170225689},{"text":"Now this is giving you exposure to the top 500 companies on The US market there.","start":1349.51,"end":1354.71,"sentiment":"neutral","sentiment_score":0.05223879381082952},{"text":"You currently have 24.80%.","start":1354.71,"end":1357.455,"sentiment":"neutral","sentiment_score":0.05214121285825968},{"text":"We wanna hold 35%.","start":1357.455,"end":1359.135,"sentiment":"neutral","sentiment_score":0.0830448167398572}],"sentiment":"neutral","sentiment_score":0.047270717428011054,"channel":0,"num_words":34,"start":1346.71,"end":1359.135},{"sentences":[{"text":"So that means we're gonna buy a little bit more of that one.","start":1359.135,"end":1361.775,"sentiment":"neutral","sentiment_score":0.09058904705139306},{"text":"So we'll buy the $719,000.","start":1361.775,"end":1363.875,"sentiment":"neutral","sentiment_score":0.08023199886083603},{"text":"Okay.","start":1364.1749,"end":1364.6749,"sentiment":"neutral","sentiment_score":0.09707818925380708}],"sentiment":"neutral","sentiment_score":0.08820504185400511,"channel":0,"num_words":19,"start":1359.135,"end":1364.6749},{"sentences":[{"text":"Yep.","start":1364.535,"end":1365.035,"sentiment":"neutral","sentiment_score":0.0997457429766655},{"text":"Yep.","start":1365.095,"end":1365.595,"sentiment":"neutral","sentiment_score":0.15073949098587036}],"sentiment":"neutral","sentiment_score":0.12524261698126793,"channel":1,"num_words":2,"start":1364.535,"end":1365.595},{"sentences":[{"text":"Excellent.","start":1365.855,"end":1366.355,"sentiment":"positive","sentiment_score":0.41177111864089966},{"text":"We've also got the Raffi.","start":1366.975,"end":1368.515,"sentiment":"neutral","sentiment_score":0.18215890526771544},{"text":"This is the Raffi 200.","start":1368.815,"end":1370.255,"sentiment":"neutral","sentiment_score":0.11244249939918519},{"text":"This is giving you exposure to some of the top 200 companies on the ASX by fundamental weighting, and we have 15.70%.","start":1370.255,"end":1379.01,"sentiment":"neutral","sentiment_score":0.13130990212613886},{"text":"We are removing that from your portfolio because we have found a cheaper way to hold Australian equities, so removing this investment completely for you.","start":1379.01,"end":1388.755,"sentiment":"neutral","sentiment_score":0.09446997225284576}],"sentiment":"neutral","sentiment_score":0.12302319474261382,"channel":0,"num_words":58,"start":1365.855,"end":1388.755},{"sentences":[{"text":"Okay.","start":1389.1051,"end":1389.5851,"sentiment":"neutral","sentiment_score":0.05979162827134133},{"text":"Yep.","start":1389.5851,"end":1390.0851,"sentiment":"neutral","sentiment_score":0.03800588846206665}],"sentiment":"neutral","sentiment_score":0.04889875836670399,"channel":1,"num_words":2,"start":1389.1051,"end":1390.0851},{"sentences":[{"text":"We've also got the ban along Australian equities.","start":1390.655,"end":1392.8151,"sentiment":"neutral","sentiment_score":-0.07078108470886946},{"text":"This investment's been underperforming and holding everyone's portfolio back.","start":1392.8151,"end":1396.3351,"sentiment":"neutral","sentiment_score":-0.24027523398399353},{"text":"So I'm removing it out completely from all the portfolios that I'm working on, especially yours.","start":1396.3351,"end":1401.555,"sentiment":"neutral","sentiment_score":-0.10265361610800028},{"text":"We don't wanna see underperforming investments, so this one will be fully gone as well.","start":1401.84,"end":1407.14,"sentiment":"neutral","sentiment_score":-0.1648790846268336},{"text":"We've then got the JPMorgan Global Research enhanced equity fund.","start":1409.2,"end":1413.0399,"sentiment":"neutral","sentiment_score":0.04699879572726786}],"sentiment":"neutral","sentiment_score":-0.10990313712732289,"channel":0,"num_words":58,"start":1390.655,"end":1413.0399},{"sentences":[{"text":"This was a little bit more of an actively managed global fund that has done really well.","start":1413.0399,"end":1417.46,"sentiment":"neutral","sentiment_score":0.11917694964829613},{"text":"But one of the things I wanted to look at doing was while keeping a high growth investment portfolio looking to reduce risk in it.","start":1417.815,"end":1423.975,"sentiment":"neutral","sentiment_score":0.07967219322919845},{"text":"So keeping active management with the portfolio does have some active management risk where active managers can underperform.","start":1423.975,"end":1431.43,"sentiment":"neutral","sentiment_score":-0.010033247630215354},{"text":"So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you.","start":1431.65,"end":1439.5701,"sentiment":"neutral","sentiment_score":0.11796679611628254},{"text":"Okay?","start":1439.5701,"end":1440.0701,"sentiment":"neutral","sentiment_score":0.11036307364702223}],"sentiment":"neutral","sentiment_score":0.07975036115111674,"channel":0,"num_words":85,"start":1413.0399,"end":1440.0701},{"sentences":[{"text":"K.","start":1440.775,"end":1441.275,"sentiment":"neutral","sentiment_score":0.15979386866092682}],"sentiment":"neutral","sentiment_score":0.15979386866092682,"channel":1,"num_words":1,"start":1440.775,"end":1441.275},{"sentences":[{"text":"Physical gold, this one is still a good investment.","start":1442.2251,"end":1444.9451,"sentiment":"positive","sentiment_score":0.5229784250259399},{"text":"Has been a bit up and down this year.","start":1444.9451,"end":1446.545,"sentiment":"neutral","sentiment_score":-0.1270565183626281},{"text":"We still wanna hold physical gold.","start":1446.545,"end":1448.5651,"sentiment":"neutral","sentiment_score":0.07723461464047432},{"text":"Essentially, we only wanna hold 7%.","start":1449.105,"end":1451.425,"sentiment":"neutral","sentiment_score":0.1094902865588665},{"text":"So your current weighting is 7.50.","start":1451.425,"end":1454.2251,"sentiment":"neutral","sentiment_score":0.13071955616275469}],"sentiment":"neutral","sentiment_score":0.15188788622617722,"channel":0,"num_words":36,"start":1442.2251,"end":1454.2251},{"sentences":[{"text":"So we're gonna keep it and just sell a little bit of that off and rebalance that back for you.","start":1454.2251,"end":1459.4601,"sentiment":"neutral","sentiment_score":0.21717017516493797}],"sentiment":"neutral","sentiment_score":0.21717017516493797,"channel":0,"num_words":20,"start":1454.2251,"end":1459.4601},{"sentences":[{"text":"Okay.","start":1459.87,"end":1460.2699,"sentiment":"neutral","sentiment_score":0.13940827548503876},{"text":"Is that worthwhile?","start":1460.2699,"end":1461.1699,"sentiment":"neutral","sentiment_score":0.12215859691301982},{"text":"Like, is there fees involved with just selling such a small amount?","start":1461.23,"end":1464.59,"sentiment":"neutral","sentiment_score":0.03270802895228068},{"text":"Or","start":1464.59,"end":1465.09,"sentiment":"neutral","sentiment_score":-0.01957785338163376}],"sentiment":"neutral","sentiment_score":0.051694268251166624,"channel":1,"num_words":17,"start":1459.87,"end":1465.09},{"sentences":[{"text":"No.","start":1465.4401,"end":1465.68,"sentiment":"neutral","sentiment_score":-0.1344977766275406},{"text":"No.","start":1465.68,"end":1466.0,"sentiment":"neutral","sentiment_score":-0.15380266308784485},{"text":"It's the same as anything else.","start":1466.0,"end":1467.4401,"sentiment":"neutral","sentiment_score":-0.0598942165573438},{"text":"It's just cementing capital gain.","start":1467.4401,"end":1469.705,"sentiment":"neutral","sentiment_score":-0.05803154930472374},{"text":"But as with...","start":1469.9249,"end":1470.885,"sentiment":"neutral","sentiment_score":-0.01107293926179409}],"sentiment":"neutral","sentiment_score":-0.060690143960528076,"channel":0,"num_words":16,"start":1465.4401,"end":1470.885},{"sentences":[{"text":"When we weighed up the capital gains on doing all of these changes, there was zero capital gains effect for your portfolio.","start":1470.885,"end":1476.825,"sentiment":"neutral","sentiment_score":0.0720852322199128},{"text":"So there's no real disadvantage doing that.","start":1477.0449,"end":1480.585,"sentiment":"neutral","sentiment_score":0.03586631694010326},{"text":"One of the important things is physical gold doesn't produce income.","start":1480.885,"end":1484.405,"sentiment":"neutral","sentiment_score":0.07170634987679395},{"text":"One of the things I like to look at within portfolios is how we get growth as well as income.","start":1484.405,"end":1489.35,"sentiment":"neutral","sentiment_score":0.16026029288768767},{"text":"Income is dividends that are paid out of the investments, and it's paid to your cash account and then reinvested back into your portfolio for compounding effect.","start":1489.8099,"end":1499.11,"sentiment":"neutral","sentiment_score":0.12531197209049155}],"sentiment":"neutral","sentiment_score":0.10591193425586853,"channel":0,"num_words":87,"start":1470.885,"end":1499.11},{"sentences":[{"text":"Of course.","start":1499.605,"end":1500.245,"sentiment":"neutral","sentiment_score":0.05150368995964527}],"sentiment":"neutral","sentiment_score":0.05150368995964527,"channel":1,"num_words":2,"start":1499.605,"end":1500.245},{"sentences":[{"text":"Physical","start":1500.1649,"end":1500.6449,"sentiment":"neutral","sentiment_score":0.04332638159394264}],"sentiment":"neutral","sentiment_score":0.04332638159394264,"channel":0,"num_words":1,"start":1500.1649,"end":1500.6449},{"sentences":[{"text":"You're immune.","start":1500.245,"end":1501.1449,"sentiment":"neutral","sentiment_score":0.0513761006295681}],"sentiment":"neutral","sentiment_score":0.0513761006295681,"channel":1,"num_words":2,"start":1500.245,"end":1501.1449},{"sentences":[{"text":"gold doesn't pay any income.","start":1500.6449,"end":1503.065,"sentiment":"neutral","sentiment_score":-0.016232927702367304},{"text":"Gold and silver and a lot of those commodities like metals, there's no income produced from those.","start":1503.205,"end":1508.085,"sentiment":"neutral","sentiment_score":-0.002116204842048533},{"text":"So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains.","start":1508.085,"end":1515.3049,"sentiment":"neutral","sentiment_score":0.10706114159388976},{"text":"And that's essentially","start":1515.57,"end":1516.2899,"sentiment":"neutral","sentiment_score":0.059504507730404534}],"sentiment":"neutral","sentiment_score":0.05141954292404525,"channel":0,"num_words":47,"start":1500.6449,"end":1516.2899},{"sentences":[{"text":"Yes.","start":1516.14,"end":1516.64,"sentiment":"neutral","sentiment_score":0.18343117833137512}],"sentiment":"neutral","sentiment_score":0.18343117833137512,"channel":1,"num_words":1,"start":1516.14,"end":1516.64},{"sentences":[{"text":"what we're doing here.","start":1516.2899,"end":1517.25,"sentiment":"neutral","sentiment_score":0.22108104079961777},{"text":"You've had a really good gain in the portfolio.","start":1517.25,"end":1519.4299,"sentiment":"positive","sentiment_score":0.40514200925827026},{"text":"We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you.","start":1519.6499,"end":1528.0499,"sentiment":"neutral","sentiment_score":0.2503333461603948},{"text":"Does that make sense?","start":1528.0499,"end":1529.025,"sentiment":"neutral","sentiment_score":0.15345459431409836}],"sentiment":"neutral","sentiment_score":0.27008342925045226,"channel":0,"num_words":45,"start":1516.2899,"end":1529.025},{"sentences":[{"text":"Yep.","start":1529.565,"end":1530.065,"sentiment":"neutral","sentiment_score":0.11380111426115036}],"sentiment":"neutral","sentiment_score":0.11380111426115036,"channel":1,"num_words":1,"start":1529.565,"end":1530.065},{"sentences":[{"text":"Yep.","start":1530.625,"end":1531.025,"sentiment":"neutral","sentiment_score":0.1517558395862579},{"text":"Beautiful.","start":1531.025,"end":1531.525,"sentiment":"positive","sentiment_score":0.4218822717666626},{"text":"Underneath that, you've got the bank hybrids.","start":1532.465,"end":1534.385,"sentiment":"neutral","sentiment_score":0.09539836538689477},{"text":"These are more of a defensive investment, but these are being phased out down down the track by the government.","start":1534.385,"end":1539.265,"sentiment":"neutral","sentiment_score":-0.019839438423514367},{"text":"So I'm removing them now rather than holding on till we have to make that change.","start":1539.265,"end":1543.525,"sentiment":"neutral","sentiment_score":-0.01120207505300641}],"sentiment":"neutral","sentiment_score":0.014786771105395422,"channel":0,"num_words":45,"start":1530.625,"end":1543.525},{"sentences":[{"text":"I would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey.","start":1543.7201,"end":1549.64,"sentiment":"neutral","sentiment_score":0.06297340817176379},{"text":"We have a couple of weeks.","start":1549.64,"end":1550.6001,"sentiment":"neutral","sentiment_score":-0.12406791746616364},{"text":"We have to get you out of this investment.","start":1550.6001,"end":1552.3,"sentiment":"neutral","sentiment_score":-0.1695510380797916},{"text":"So these investments that...","start":1552.4401,"end":1554.3601,"sentiment":"neutral","sentiment_score":-0.03077469812706113},{"text":"Essentially, the government wants to streamline a lot of the investments.","start":1554.3601,"end":1557.0801,"sentiment":"neutral","sentiment_score":0.007062902335416187}],"sentiment":"neutral","sentiment_score":-0.012115448247641325,"channel":0,"num_words":56,"start":1543.7201,"end":1557.0801},{"sentences":[{"text":"There are a lot of complex complex banking investments out there, and this is one of those.","start":1557.0801,"end":1562.055,"sentiment":"neutral","sentiment_score":-0.002257100689937087},{"text":"This is sort","start":1562.355,"end":1562.915,"sentiment":"neutral","sentiment_score":0.007228263032933076}],"sentiment":"neutral","sentiment_score":-0.0008342961315065623,"channel":0,"num_words":20,"start":1557.0801,"end":1562.915},{"sentences":[{"text":"Okay.","start":1562.705,"end":1563.205,"sentiment":"neutral","sentiment_score":0.007749930489808321}],"sentiment":"neutral","sentiment_score":0.007749930489808321,"channel":1,"num_words":1,"start":1562.705,"end":1563.205},{"sentences":[{"text":"of like bonds and shares together.","start":1562.915,"end":1564.775,"sentiment":"neutral","sentiment_score":0.0029577933407078185},{"text":"It's a...","start":1564.995,"end":1565.555,"sentiment":"neutral","sentiment_score":0.003235105541534722},{"text":"An investment.","start":1565.555,"end":1566.1951,"sentiment":"neutral","sentiment_score":0.00514267198741436},{"text":"You're you're putting money into banking products.","start":1566.1951,"end":1568.275,"sentiment":"neutral","sentiment_score":0.04359289737684386},{"text":"The banks are then using that money to lend out.","start":1568.275,"end":1571.095,"sentiment":"neutral","sentiment_score":0.06398631446063519}],"sentiment":"neutral","sentiment_score":0.036278360790607554,"channel":0,"num_words":27,"start":1562.915,"end":1571.095},{"sentences":[{"text":"They're giving you a return by way of a compound payment or an income payment, but bank hybrids are also traded a little bit like shares as well.","start":1571.37,"end":1580.01,"sentiment":"neutral","sentiment_score":0.060506073026252646},{"text":"So in the great scheme of things, they are defensive in nature.","start":1580.01,"end":1583.93,"sentiment":"neutral","sentiment_score":0.1528915793945392},{"text":"They tend to get a lower rate of return.","start":1583.93,"end":1585.965,"sentiment":"neutral","sentiment_score":0.14575381494230694},{"text":"However, they are a little bit more risky on the side of defensive investments.","start":1585.965,"end":1591.265,"sentiment":"neutral","sentiment_score":-0.1194709414350135},{"text":"So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive.","start":1591.325,"end":1600.065,"sentiment":"neutral","sentiment_score":-0.030971742894810934}],"sentiment":"neutral","sentiment_score":0.027870555429708684,"channel":0,"num_words":87,"start":1571.37,"end":1600.065},{"sentences":[{"text":"Okay?","start":1600.445,"end":1600.92,"sentiment":"neutral","sentiment_score":0.03266014903783798}],"sentiment":"neutral","sentiment_score":0.03266014903783798,"channel":0,"num_words":1,"start":1600.445,"end":1600.92},{"sentences":[{"text":"Okay.","start":1601.455,"end":1601.955,"sentiment":"neutral","sentiment_score":0.1757780760526657}],"sentiment":"neutral","sentiment_score":0.1757780760526657,"channel":1,"num_words":1,"start":1601.455,"end":1601.955},{"sentences":[{"text":"Excellent.","start":1602.76,"end":1603.26,"sentiment":"positive","sentiment_score":0.4981176853179931},{"text":"We've also got the iShares Europe investment there.","start":1603.56,"end":1606.04,"sentiment":"neutral","sentiment_score":0.21044221334159374},{"text":"Now you don't have any of this in your portfolio currently.","start":1606.04,"end":1608.86,"sentiment":"neutral","sentiment_score":0.09157218513163654},{"text":"This is giving access and exposure to all the 16 European country...","start":1608.92,"end":1613.42,"sentiment":"neutral","sentiment_score":0.1693624754746755},{"text":"Countries there.","start":1613.56,"end":1614.615,"sentiment":"neutral","sentiment_score":0.1318650022149086}],"sentiment":"neutral","sentiment_score":0.1613243864301373,"channel":0,"num_words":34,"start":1602.76,"end":1614.615},{"sentences":[{"text":"We wanna hold 9% of this investment.","start":1614.855,"end":1617.095,"sentiment":"neutral","sentiment_score":0.17629193195274898},{"text":"Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there.","start":1617.095,"end":1622.135,"sentiment":"positive","sentiment_score":0.5186700366792225},{"text":"So we do see it as an area to be invested.","start":1622.135,"end":1624.475,"sentiment":"neutral","sentiment_score":0.3078700710426677},{"text":"We're only holding 9% of your portfolio in here.","start":1624.615,"end":1627.755,"sentiment":"neutral","sentiment_score":0.09103893240292867},{"text":"The MSCI...","start":1629.16,"end":1630.06,"sentiment":"neutral","sentiment_score":0.022686736658215523}],"sentiment":"neutral","sentiment_score":0.32754817880690096,"channel":0,"num_words":50,"start":1614.855,"end":1630.06},{"sentences":[{"text":"So the Miski Japan, this is giving you access and exposure to the Japanese market.","start":1630.2001,"end":1634.54,"sentiment":"neutral","sentiment_score":0.12681528230508168},{"text":"Essentially, years ago, everyone was surmising China was the place to be.","start":1635.16,"end":1638.6001,"sentiment":"neutral","sentiment_score":0.12322313090165456},{"text":"However, Japan has seen some really good growth.","start":1638.6001,"end":1640.76,"sentiment":"positive","sentiment_score":0.3890639767050743},{"text":"And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis.","start":1640.76,"end":1646.005,"sentiment":"positive","sentiment_score":0.3585247080773115},{"text":"So, essentially, seeing where Japan is, where it is going, and where there's a bit of growth there, it is a really good place to be invested.","start":1646.465,"end":1653.765,"sentiment":"positive","sentiment_score":0.4686495882493478}],"sentiment":"neutral","sentiment_score":0.3209445324794548,"channel":0,"num_words":82,"start":1630.2001,"end":1653.765},{"sentences":[{"text":"So we see 5% moved into the Japanese market for you.","start":1653.9049,"end":1657.52,"sentiment":"neutral","sentiment_score":0.3246136795390736}],"sentiment":"neutral","sentiment_score":0.3246136795390736,"channel":0,"num_words":11,"start":1653.9049,"end":1657.52},{"sentences":[{"text":"K.","start":1658.135,"end":1658.4551,"sentiment":"neutral","sentiment_score":0.05749921873211861},{"text":"Yep.","start":1658.4551,"end":1658.9551,"sentiment":"neutral","sentiment_score":0.04040296748280525}],"sentiment":"neutral","sentiment_score":0.04895109310746193,"channel":1,"num_words":2,"start":1658.135,"end":1658.9551},{"sentences":[{"text":"Underneath that, you've got the Vanguard All World x US investment.","start":1659.74,"end":1663.12,"sentiment":"neutral","sentiment_score":0.05166423473168503},{"text":"Now this is essentially giving you exposure to the entire globe.","start":1663.18,"end":1666.4,"sentiment":"neutral","sentiment_score":0.1067459149794145},{"text":"One of the biggest ways to be able to mitigate risk is to diversify.","start":1666.9401,"end":1670.72,"sentiment":"neutral","sentiment_score":0.28051901715142386},{"text":"So invest in lots of different areas, different countries, and different asset classes.","start":1671.015,"end":1675.275,"sentiment":"neutral","sentiment_score":0.1880723312497139},{"text":"The Vanguard or World ex US investment is giving you exposure to essentially the entire globe minus The US today.","start":1675.895,"end":1683.1951,"sentiment":"neutral","sentiment_score":0.09835636653006077}],"sentiment":"neutral","sentiment_score":0.14611370324332645,"channel":0,"num_words":69,"start":1659.74,"end":1683.1951},{"sentences":[{"text":"We don't need The US in there because we have access to the S and P 500 above, but we wanna hold 8% of this investment for you as well.","start":1683.4601,"end":1691.4601,"sentiment":"neutral","sentiment_score":0.067051870500048},{"text":"Okay?","start":1691.4601,"end":1691.9601,"sentiment":"neutral","sentiment_score":0.051714152097702026}],"sentiment":"neutral","sentiment_score":0.0665571053902949,"channel":0,"num_words":31,"start":1683.4601,"end":1691.9601},{"sentences":[{"text":"Okay.","start":1692.575,"end":1693.075,"sentiment":"neutral","sentiment_score":0.05371672660112381}],"sentiment":"neutral","sentiment_score":0.05371672660112381,"channel":1,"num_words":1,"start":1692.575,"end":1693.075},{"sentences":[{"text":"But because we're removing the Raffy and the Benelon Australian Equities, we still need to see exposure into the Australian share market.","start":1693.9401,"end":1701.155,"sentiment":"neutral","sentiment_score":0.019444794933819634},{"text":"And the BetaShares a 200 is what's giving you 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US, and so whilst we don't tend to get as good returns as what The US does, it is still important to have exposure into the Australian market there.","start":1722.0901,"end":1731.995,"sentiment":"neutral","sentiment_score":0.044513869668460555},{"text":"So we'll see 25% invested in that investment for you.","start":1731.995,"end":1735.995,"sentiment":"neutral","sentiment_score":0.17453815266489983},{"text":"Okay?","start":1735.995,"end":1736.495,"sentiment":"neutral","sentiment_score":0.10784303396940231}],"sentiment":"neutral","sentiment_score":0.15004526897754572,"channel":0,"num_words":73,"start":1714.73,"end":1736.495},{"sentences":[{"text":"K.","start":1737.24,"end":1737.74,"sentiment":"neutral","sentiment_score":0.22098183631896973}],"sentiment":"neutral","sentiment_score":0.22098183631896973,"channel":1,"num_words":1,"start":1737.24,"end":1737.74},{"sentences":[{"text":"Excellent.","start":1738.43,"end":1738.91,"sentiment":"positive","sentiment_score":0.44717276096343994},{"text":"And then the last one at the very bottom on the next page there, you've got the iShares core composite bond.","start":1738.91,"end":1744.43,"sentiment":"neutral","sentiment_score":0.18550620689278557},{"text":"Now bonds, this is giving you exposure to both the government as well as corporate 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re...","start":1782.825,"end":1795.54,"sentiment":"positive","sentiment_score":0.3569416953967168},{"text":"Report back into your portfolio or reinvested for that compounding effect down the track there as well.","start":1795.54,"end":1801.0,"sentiment":"neutral","sentiment_score":0.1377504213767893},{"text":"Okay?","start":1801.22,"end":1801.72,"sentiment":"neutral","sentiment_score":0.07986059784889221}],"sentiment":"neutral","sentiment_score":0.2867077873987064,"channel":0,"num_words":57,"start":1782.825,"end":1801.72},{"sentences":[{"text":"Well, okay.","start":1802.065,"end":1802.645,"sentiment":"neutral","sentiment_score":0.21077176928520203}],"sentiment":"neutral","sentiment_score":0.21077176928520203,"channel":1,"num_words":2,"start":1802.065,"end":1802.645},{"sentences":[{"text":"Easy.","start":1802.74,"end":1803.14,"sentiment":"neutral","sentiment_score":0.25559720396995544}],"sentiment":"neutral","sentiment_score":0.25559720396995544,"channel":0,"num_words":1,"start":1802.74,"end":1803.14},{"sentences":[{"text":"Yep.","start":1802.865,"end":1803.365,"sentiment":"neutral","sentiment_score":0.1991499662399292}],"sentiment":"neutral","sentiment_score":0.1991499662399292,"channel":1,"num_words":1,"start":1802.865,"end":1803.365},{"sentences":[{"text":"Now that is a lot.","start":1803.14,"end":1804.34,"sentiment":"neutral","sentiment_score":0.12178015857934951},{"text":"I get that.","start":1804.34,"end":1805.22,"sentiment":"neutral","sentiment_score":0.08796027054389317},{"text":"Do you have any questions?","start":1805.22,"end":1806.68,"sentiment":"neutral","sentiment_score":0.02798496261239052}],"sentiment":"neutral","sentiment_score":0.07790049366079844,"channel":0,"num_words":13,"start":1803.14,"end":1806.68},{"sentences":[{"text":"Look, I only an intuitive question that I know that","start":1810.065,"end":1813.025,"sentiment":"neutral","sentiment_score":0.0009542597457766533}],"sentiment":"neutral","sentiment_score":0.0009542597457766533,"channel":1,"num_words":10,"start":1810.065,"end":1813.025},{"sentences":[{"text":"Sure.","start":1812.9451,"end":1813.4451,"sentiment":"neutral","sentiment_score":0.00976649858057499}],"sentiment":"neutral","sentiment_score":0.00976649858057499,"channel":0,"num_words":1,"start":1812.9451,"end":1813.4451},{"sentences":[{"text":"you when we set out here, there was...","start":1813.025,"end":1816.48,"sentiment":"neutral","sentiment_score":-0.0055634049931541085},{"text":"And the fact that I wasn't putting in a lot of money into my super at the moment.","start":1817.58,"end":1823.02,"sentiment":"neutral","sentiment_score":-0.19691099350651106},{"text":"Does...","start":1823.02,"end":1823.42,"sentiment":"neutral","sentiment_score":-0.09299226850271224},{"text":"Did that weigh then more than it should have in my investment portfolio on what I was investing in because I wasn't putting in that much.","start":1823.42,"end":1833.175,"sentiment":"neutral","sentiment_score":-0.1760651323084648},{"text":"And","start":1833.635,"end":1834.135,"sentiment":"neutral","sentiment_score":-0.08050775527954102}],"sentiment":"neutral","sentiment_score":-0.15444627012712536,"channel":1,"num_words":54,"start":1813.025,"end":1834.135},{"sentences":[{"text":"No.","start":1833.89,"end":1834.39,"sentiment":"neutral","sentiment_score":-0.1214101016521454}],"sentiment":"neutral","sentiment_score":-0.1214101016521454,"channel":0,"num_words":1,"start":1833.89,"end":1834.39},{"sentences":[{"text":"you've mentioned that...","start":1834.5951,"end":1835.555,"sentiment":"neutral","sentiment_score":-0.07261240730683009},{"text":"No.","start":1835.555,"end":1835.795,"sentiment":"neutral","sentiment_score":-0.07172609120607376},{"text":"So this is still","start":1835.795,"end":1836.5951,"sentiment":"neutral","sentiment_score":-0.013539879582822323}],"sentiment":"neutral","sentiment_score":-0.042965353932231665,"channel":1,"num_words":8,"start":1834.5951,"end":1836.5951},{"sentences":[{"text":"Yeah.","start":1836.545,"end":1837.045,"sentiment":"neutral","sentiment_score":0.11199864000082016}],"sentiment":"neutral","sentiment_score":0.11199864000082016,"channel":0,"num_words":1,"start":1836.545,"end":1837.045},{"sentences":[{"text":"a good rounded account, a good","start":1836.5951,"end":1838.5951,"sentiment":"neutral","sentiment_score":0.27123335500558216}],"sentiment":"neutral","sentiment_score":0.27123335500558216,"channel":1,"num_words":6,"start":1836.5951,"end":1838.5951},{"sentences":[{"text":"Yeah.","start":1838.4651,"end":1838.9651,"sentiment":"neutral","sentiment_score":0.21638762950897217}],"sentiment":"neutral","sentiment_score":0.21638762950897217,"channel":0,"num_words":1,"start":1838.4651,"end":1838.9651},{"sentences":[{"text":"rounded investment portfolio","start":1838.5951,"end":1840.4551,"sentiment":"neutral","sentiment_score":0.19006398816903433}],"sentiment":"neutral","sentiment_score":0.19006398816903433,"channel":1,"num_words":3,"start":1838.5951,"end":1840.4551},{"sentences":[{"text":"Absolutely.","start":1841.185,"end":1841.685,"sentiment":"positive","sentiment_score":0.36209771037101746}],"sentiment":"positive","sentiment_score":0.36209771037101746,"channel":0,"num_words":1,"start":1841.185,"end":1841.685},{"sentences":[{"text":"even even for someone who's contributing, you know, a good amount, a 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thing.","start":1846.9,"end":1850.52,"sentiment":"neutral","sentiment_score":0.03399859037664202}],"sentiment":"neutral","sentiment_score":0.03399859037664202,"channel":1,"num_words":9,"start":1846.9,"end":1850.52},{"sentences":[{"text":"Yeah.","start":1850.2699,"end":1850.7699,"sentiment":"neutral","sentiment_score":0.06940093636512756},{"text":"Absolutely.","start":1850.99,"end":1851.49,"sentiment":"neutral","sentiment_score":0.09043793380260468}],"sentiment":"neutral","sentiment_score":0.07991943508386612,"channel":0,"num_words":2,"start":1850.2699,"end":1851.49},{"sentences":[{"text":"That is...","start":1851.46,"end":1852.2,"sentiment":"neutral","sentiment_score":0.045950084924697876}],"sentiment":"neutral","sentiment_score":0.045950084924697876,"channel":1,"num_words":2,"start":1851.46,"end":1852.2},{"sentences":[{"text":"Most","start":1852.19,"end":1852.69,"sentiment":"neutral","sentiment_score":0.08123794943094254}],"sentiment":"neutral","sentiment_score":0.08123794943094254,"channel":0,"num_words":1,"start":1852.19,"end":1852.69},{"sentences":[{"text":"Yeah.","start":1852.58,"end":1853.08,"sentiment":"neutral","sentiment_score":0.09714695811271667}],"sentiment":"neutral","sentiment_score":0.09714695811271667,"channel":1,"num_words":1,"start":1852.58,"end":1853.08},{"sentences":[{"text":"definitely.","start":1852.75,"end":1853.25,"sentiment":"neutral","sentiment_score":0.1182357668876648},{"text":"Yeah.","start":1853.63,"end":1853.95,"sentiment":"neutral","sentiment_score":0.1060170978307724},{"text":"Yeah.","start":1853.95,"end":1854.19,"sentiment":"neutral","sentiment_score":0.13410881161689758}],"sentiment":"neutral","sentiment_score":0.11945389211177826,"channel":0,"num_words":3,"start":1852.75,"end":1854.19},{"sentences":[{"text":"Okay.","start":1854.02,"end":1854.52,"sentiment":"neutral","sentiment_score":0.17748314142227173}],"sentiment":"neutral","sentiment_score":0.17748314142227173,"channel":1,"num_words":1,"start":1854.02,"end":1854.52},{"sentences":[{"text":"And look, your balance isn't bad.","start":1854.19,"end":1855.71,"sentiment":"neutral","sentiment_score":0.3124911238749822},{"text":"You're almost at $200,000 mark, which is great.","start":1855.71,"end":1858.59,"sentiment":"positive","sentiment_score":0.4783168099820614},{"text":"So your balance is not bad by any means.","start":1858.59,"end":1861.265,"sentiment":"neutral","sentiment_score":0.3007115125656128},{"text":"And as things change...","start":1861.4049,"end":1862.6849,"sentiment":"neutral","sentiment_score":0.048406739719212055},{"text":"So once we kinda","start":1862.6849,"end":1863.965,"sentiment":"neutral","sentiment_score":0.08144679106771946}],"sentiment":"neutral","sentiment_score":0.2879773857853105,"channel":0,"num_words":31,"start":1854.19,"end":1863.965},{"sentences":[{"text":"Yeah.","start":1863.915,"end":1864.415,"sentiment":"neutral","sentiment_score":0.06686469167470932}],"sentiment":"neutral","sentiment_score":0.06686469167470932,"channel":1,"num_words":1,"start":1863.915,"end":1864.415},{"sentences":[{"text":"go through and make this change with your portfolio, I'll make sure we catch up in the next few months there to see how it's tracking, and then we'll just keep reviewing things moving forward.","start":1863.965,"end":1873.085,"sentiment":"neutral","sentiment_score":0.17062236453805651},{"text":"If things change with your occupation, if you decide to take on more work and get regular contributions, we can always come back and look at that again and sort of see how that's tracking down the track.","start":1873.085,"end":1882.37,"sentiment":"neutral","sentiment_score":0.18686040334011378},{"text":"If you get a new job, we'll update the advice to reflect changes to your circumstances there.","start":1882.37,"end":1887.41,"sentiment":"neutral","sentiment_score":0.17714560908429763},{"text":"So it's by no means having a bad effect.","start":1887.41,"end":1890.375,"sentiment":"neutral","sentiment_score":0.3031041787730323},{"text":"You are still increasing.","start":1890.375,"end":1891.655,"sentiment":"positive","sentiment_score":0.4880894646048546}],"sentiment":"neutral","sentiment_score":0.2015946495880201,"channel":0,"num_words":103,"start":1863.965,"end":1891.655},{"sentences":[{"text":"You are still getting growth.","start":1891.655,"end":1892.9349,"sentiment":"positive","sentiment_score":0.5110559463500977},{"text":"We just wanna keep that compounding forward.","start":1892.9349,"end":1895.355,"sentiment":"positive","sentiment_score":0.44643934283937725},{"text":"And as we need to make changes to your portfolio, that happens.","start":1895.495,"end":1899.095,"sentiment":"neutral","sentiment_score":0.2607962793360154},{"text":"It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you.","start":1899.095,"end":1913.93,"sentiment":"positive","sentiment_score":0.4309158130567901},{"text":"Does that make sense?","start":1913.93,"end":1915.035,"sentiment":"neutral","sentiment_score":0.18124952539801598}],"sentiment":"positive","sentiment_score":0.39804913539004017,"channel":0,"num_words":77,"start":1891.655,"end":1915.035},{"sentences":[{"text":"It does.","start":1915.205,"end":1915.765,"sentiment":"neutral","sentiment_score":0.24372127652168274},{"text":"Yep.","start":1915.765,"end":1916.165,"sentiment":"neutral","sentiment_score":0.3312501311302185},{"text":"Thanks, Diana.","start":1916.165,"end":1916.985,"sentiment":"positive","sentiment_score":0.5117516964673996}],"sentiment":"positive","sentiment_score":0.3684392154216766,"channel":1,"num_words":5,"start":1915.205,"end":1916.985},{"sentences":[{"text":"Yeah.","start":1917.035,"end":1917.515,"sentiment":"positive","sentiment_score":0.3636001944541931},{"text":"That's okay.","start":1917.515,"end":1918.3351,"sentiment":"positive","sentiment_score":0.41452276706695557},{"text":"The only other thing on the bottom there of that same page is your cash account there.","start":1919.115,"end":1922.9551,"sentiment":"neutral","sentiment_score":0.012192946803920409},{"text":"So you do have a little bit too much cash sitting there at the moment.","start":1922.9551,"end":1925.915,"sentiment":"neutral","sentiment_score":-0.14287132347623507},{"text":"I'm gonna take about 3,900 and reinvest that back into your portfolio.","start":1925.915,"end":1930.255,"sentiment":"neutral","sentiment_score":0.0360151770679901}],"sentiment":"neutral","sentiment_score":-0.006616210703678588,"channel":0,"num_words":47,"start":1917.035,"end":1930.255},{"sentences":[{"text":"We only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you.","start":1930.73,"end":1940.03,"sentiment":"neutral","sentiment_score":0.05888120675909108}],"sentiment":"neutral","sentiment_score":0.05888120675909108,"channel":0,"num_words":29,"start":1930.73,"end":1940.03},{"sentences":[{"text":"Okay.","start":1940.5851,"end":1941.0851,"sentiment":"neutral","sentiment_score":0.1442679613828659},{"text":"Yep.","start":1941.305,"end":1941.7051,"sentiment":"neutral","sentiment_score":0.189384326338768},{"text":"Thank you.","start":1941.7051,"end":1942.4451,"sentiment":"positive","sentiment_score":0.37364567816257477}],"sentiment":"neutral","sentiment_score":0.27023591101169586,"channel":1,"num_words":4,"start":1940.5851,"end":1942.4451},{"sentences":[{"text":"Yeah.","start":1942.01,"end":1942.51,"sentiment":"neutral","sentiment_score":0.26234132051467896},{"text":"That's okay.","start":1942.89,"end":1943.79,"sentiment":"neutral","sentiment_score":0.30777421593666077},{"text":"The only other thing to kinda go through as on page number 24 is that beneficiary side of things.","start":1944.8151,"end":1950.175,"sentiment":"neutral","sentiment_score":0.03538265971368865},{"text":"So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super.","start":1950.175,"end":1970.78,"sentiment":"neutral","sentiment_score":0.02951826784165873},{"text":"They are your children's.","start":1971.195,"end":1972.315,"sentiment":"neutral","sentiment_score":-0.032191723585128784}],"sentiment":"neutral","sentiment_score":0.03640161972296865,"channel":0,"num_words":95,"start":1942.01,"end":1972.315},{"sentences":[{"text":"They meet the definition of a dependent under the CIS Act.","start":1972.315,"end":1975.695,"sentiment":"neutral","sentiment_score":-0.047976246611638504},{"text":"They, unfortunately, don't quite meet the definition of a dependent under the tax act, so they would have to pay tax on the...","start":1975.755,"end":1982.4149,"sentiment":"neutral","sentiment_score":-0.1975551241117975},{"text":"A portion of the benefit.","start":1982.5549,"end":1983.9349,"sentiment":"neutral","sentiment_score":-0.1127137377858162},{"text":"But it's better to do it this way at the moment and update it when you have a will in place rather than leaving it as it is.","start":1985.5599,"end":1992.36,"sentiment":"neutral","sentiment_score":-0.024678969888814857},{"text":"Because as I mentioned before, if you would have passed away now and, you know, that benefit was to be paid out, it would have to go to your estate, which is your legal personal representative.","start":1992.36,"end":2002.585,"sentiment":"neutral","sentiment_score":-0.1398898826705085}],"sentiment":"neutral","sentiment_score":-0.11031186591508318,"channel":0,"num_words":103,"start":1972.315,"end":2002.585},{"sentences":[{"text":"Without having a will in place, the money in your estate then has to go through probate.","start":2003.2849,"end":2008.1849,"sentiment":"neutral","sentiment_score":-0.17243491989724777},{"text":"Probate is a legal process where it goes to the court system.","start":2008.8049,"end":2012.0,"sentiment":"neutral","sentiment_score":-0.08928734188278516},{"text":"Essentially, they go out there and look for beneficiaries.","start":2012.3,"end":2014.8,"sentiment":"neutral","sentiment_score":-0.023747394068373576},{"text":"People can come forward and make a claim.","start":2015.1,"end":2017.04,"sentiment":"neutral","sentiment_score":0.03227325016632676},{"text":"There's no guarantees they'll be able to claim on that.","start":2017.1,"end":2019.8201,"sentiment":"neutral","sentiment_score":-0.06526515409350395}],"sentiment":"neutral","sentiment_score":-0.08233988976904325,"channel":0,"num_words":56,"start":2003.2849,"end":2019.8201},{"sentences":[{"text":"However, they can make that claim.","start":2019.8201,"end":2021.6,"sentiment":"neutral","sentiment_score":0.2944660857319832},{"text":"And then the court system decides how that's going to be distributed in accordance with the state laws.","start":2021.8201,"end":2027.5549,"sentiment":"neutral","sentiment_score":0.16490932885143492},{"text":"So it does mean that the people that you want the money directed to may not may not receive it essentially or may not receive the portion that you wanted them to get.","start":2027.7749,"end":2036.4149,"sentiment":"neutral","sentiment_score":0.0028314156965775924},{"text":"So updating that beneficiary nomination to reflect that directly for the time being is appropriate and making sure that your two children are able to claim their portion correctly in the event that you were able to pass away.","start":2036.4149,"end":2050.07,"sentiment":"positive","sentiment_score":0.4359740763902664},{"text":"And when and if you get a will completed, then we can always update that down the track to make it a more tax effective beneficiary for 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also got a little bit in there below about doing up a will and power of attorney.","start":2059.9648,"end":2065.345,"sentiment":"neutral","sentiment_score":0.16243118213282692},{"text":"We can refer you to a solicitor.","start":2065.965,"end":2067.585,"sentiment":"neutral","sentiment_score":0.1056585939867156},{"text":"Alternatively, if you have a local solicitor that you're comfortable talking to that you would like to seek, you can just go in there, speak to them, find out how much they charge for doing up a will and power of attorney, and then having those sorts of documents done up there.","start":2067.645,"end":2080.02,"sentiment":"neutral","sentiment_score":0.13503094060489765},{"text":"It is really important to have those sorts of things done 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look.","start":2086.74,"end":2088.855,"sentiment":"neutral","sentiment_score":0.025682146847248077},{"text":"I don't really have very much.","start":2088.855,"end":2090.2952,"sentiment":"neutral","sentiment_score":-0.08095437909166019},{"text":"But, realistically, if you look around your cars, your savings, your, you know, family heirlooms and things that are important to you, they still need to be directed to the person that you want them to be directed to, and having a will done up is a really important way of doing that.","start":2090.2952,"end":2104.4302,"sentiment":"neutral","sentiment_score":0.21588919817839028},{"text":"You","start":2104.8901,"end":2105.1301,"sentiment":"neutral","sentiment_score":0.11837363243103027}],"sentiment":"neutral","sentiment_score":0.162249195236194,"channel":0,"num_words":79,"start":2083.9402,"end":2105.1301},{"sentences":[{"text":"Mhmm.","start":2104.9548,"end":2105.4548,"sentiment":"neutral","sentiment_score":0.1164071261882782}],"sentiment":"neutral","sentiment_score":0.1164071261882782,"channel":1,"num_words":1,"start":2104.9548,"end":2105.4548},{"sentences":[{"text":"can also just get a will kit from the post office and fill it out.","start":2105.1301,"end":2108.6702,"sentiment":"neutral","sentiment_score":0.15089468161265054},{"text":"They're about $30.35 odd dollars.","start":2108.8901,"end":2111.07,"sentiment":"neutral","sentiment_score":0.22691197395324708},{"text":"And as long as you fill it out as per the directions, it is a valid will 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simple will kit can be done anywhere from, say, 2 to $500.","start":2158.71,"end":2166.17,"sentiment":"neutral","sentiment_score":0.09708884990085727}],"sentiment":"neutral","sentiment_score":0.09623518384372194,"channel":0,"num_words":24,"start":2158.31,"end":2166.17},{"sentences":[{"text":"Yep.","start":2166.8948,"end":2167.3948,"sentiment":"neutral","sentiment_score":0.0827612429857254}],"sentiment":"neutral","sentiment_score":0.0827612429857254,"channel":1,"num_words":1,"start":2166.8948,"end":2167.3948},{"sentences":[{"text":"I know mine was a little bit more complex, so it did cost my will, power of attorney, and guardianship documents a bit over 1,000.","start":2166.95,"end":2174.175,"sentiment":"neutral","sentiment_score":-0.04469108708202839},{"text":"But,","start":2175.595,"end":2176.095,"sentiment":"neutral","sentiment_score":0.02256755717098713}],"sentiment":"neutral","sentiment_score":-0.0421042161492201,"channel":0,"num_words":26,"start":2166.95,"end":2176.095},{"sentences":[{"text":"Well,","start":2175.82,"end":2176.32,"sentiment":"neutral","sentiment_score":0.08568479865789413}],"sentiment":"neutral","sentiment_score":0.08568479865789413,"channel":1,"num_words":1,"start":2175.82,"end":2176.32},{"sentences":[{"text":"you know, will and power of attorney, if you're just having something very simple, they can normally do anywhere from 2 to $500 simply.","start":2176.395,"end":2182.895,"sentiment":"neutral","sentiment_score":0.17527535247306028},{"text":"You know, a solicitor may charge a little bit more.","start":2183.98,"end":2186.3,"sentiment":"neutral","sentiment_score":0.07628519833087921},{"text":"You could even just, you know, go online, have a look, and do a web inquiry into a a few different local solicitors to see what they might charge just to do a basic will kit to cover you and maybe power of attorney as well.","start":2186.3,"end":2198.485,"sentiment":"neutral","sentiment_score":0.16647104352064754},{"text":"Yeah.","start":2198.485,"end":2198.985,"sentiment":"neutral","sentiment_score":0.0927741676568985}],"sentiment":"neutral","sentiment_score":0.15703583471936944,"channel":0,"num_words":81,"start":2176.395,"end":2198.985},{"sentences":[{"text":"That's 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service client.","start":2213.79,"end":2221.0898,"sentiment":"neutral","sentiment_score":0.16688329669145438},{"text":"You pay the ongoing service fee, which is estimated in the projection table in here for you as well.","start":2221.63,"end":2227.395,"sentiment":"neutral","sentiment_score":0.1467030699315824}],"sentiment":"neutral","sentiment_score":0.15437224006344533,"channel":0,"num_words":58,"start":2210.1099,"end":2227.395},{"sentences":[{"text":"And with the Ascendor policy, we do receive ongoing remuneration from them.","start":2227.615,"end":2232.095,"sentiment":"neutral","sentiment_score":0.1508280485868454},{"text":"At the moment, based on 22%, which is the legislative percentage we receive, they pay us $1,486.","start":2232.095,"end":2239.67,"sentiment":"neutral","sentiment_score":0.06429803415256388},{"text":"That has no reflection of our recommendations in any way, shape, or 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standardized","start":2282.125,"end":2283.345,"sentiment":"neutral","sentiment_score":0.057763416320085526}],"sentiment":"neutral","sentiment_score":0.09403293659644467,"channel":0,"num_words":28,"start":2271.84,"end":2283.345},{"sentences":[{"text":"Or...","start":2283.005,"end":2283.505,"sentiment":"neutral","sentiment_score":0.020584622398018837}],"sentiment":"neutral","sentiment_score":0.020584622398018837,"channel":1,"num_words":1,"start":2283.005,"end":2283.505},{"sentences":[{"text":"because believe it or not, back in the cowboy days, essentially, advisors used to get a 100 to a 110% upfront remuneration from insurance companies.","start":2283.4849,"end":2294.67,"sentiment":"neutral","sentiment_score":0.017357056466862558},{"text":"So that was pretty hefty kind of remuneration.","start":2294.89,"end":2298.1099,"sentiment":"neutral","sentiment_score":-0.027047355426475406},{"text":"It became, you know, a lot of swapping and changing, and a lot of things happened back in those 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for your time, Jay.","start":2489.1301,"end":2490.25,"sentiment":"positive","sentiment_score":0.7297897815704346},{"text":"I'll let you go.","start":2490.25,"end":2491.05,"sentiment":"positive","sentiment_score":0.6948567032814026},{"text":"I hope you have a good rest of your day.","start":2491.05,"end":2493.23,"sentiment":"positive","sentiment_score":0.7096489548683167}],"sentiment":"positive","sentiment_score":0.7118350141926816,"channel":0,"num_words":19,"start":2489.1301,"end":2493.23},{"sentences":[{"text":"Yes.","start":2493.885,"end":2494.385,"sentiment":"neutral","sentiment_score":0.31583279371261597},{"text":"Yeah.","start":2494.445,"end":2494.7651,"sentiment":"neutral","sentiment_score":0.3113183379173279},{"text":"You too.","start":2494.7651,"end":2495.5051,"sentiment":"neutral","sentiment_score":0.33130304515361786},{"text":"Thanks, 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The agent apologizes for the error and explains that the customer's insurance policy needs to be restarted. The representative explains that the policy is paid out of the customer's super fund and that policy providers may increase premiums or index it. The speaker recommends retaining the fund and emphasizes the importance of maintaining a good portfolio to provide income and dividends. The agent explains the process of updating beneficiary information and emphasizes the importance of empowering the customer to do things as they work hard. The agent also reminds the customer to sign and return the advice document and make changes to their investment portfolio."},"intents":{"segments":[{"text":"When I tried to call you back, my... I got this error on my phone system saying there was no SIP trunk. I don't know what a SIP trunk is, but it seems like it needed it. So I just closed my phone system and reopened it to see if restarting it Yeah.","start_word":52,"end_word":104,"intents":[{"intent":"Fix phone issue","confidence_score":0.13297415}]},{"text":"So, essentially, the the total at the very bottom is $7,589.97. That is how much the insurer actually receives for the premium. However, you get a 15% rebate called a little bit of a discount, essentially. So the amount that you've actually paid for that policy is $6,755.99.","start_word":424,"end_word":471,"intents":[{"intent":"Share quote details","confidence_score":1.8165149e-7}]},{"text":"That's why I definitely wanna have these loadings reviewed for you because, essentially, these policies do go through a renewal every year. As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on.","start_word":675,"end_word":728,"intents":[{"intent":"Review policy coverage","confidence_score":0.16540575}]},{"text":"As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on.","start_word":696,"end_word":727,"intents":[{"intent":"Discuss policy changes","confidence_score":0.002841988}]},{"text":"I I don't know what the right thing or, you know, what the the correct thing to do there is. No. That's okay. So what the... What... That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy.","start_word":1033,"end_word":1092,"intents":[{"intent":"Review policy","confidence_score":0.17335555},{"intent":"Review policy","confidence_score":0.06201161}]},{"text":"So what the... What... That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy.","start_word":1055,"end_word":1091,"intents":[{"intent":"Review application","confidence_score":0.13796932}]},{"text":"Essentially, they're not rewriting the whole application. They're just assessing that loading.","start_word":1180,"end_word":1191,"intents":[{"intent":"Assess application","confidence_score":0.42535442}]},{"text":"They're just looking at the exclusion and the reason for behind the exclusion and to whether they can reduce the exclusion.","start_word":1296,"end_word":1316,"intents":[{"intent":"Find exclusions","confidence_score":0.00052958063},{"intent":"Reduce exclusions","confidence_score":0.008413714}]},{"text":"They have to go back and assess the contract at the time of the application, what your health looks like, and is there any changes to your health more with regard to the loading, that means that they can reduce the loading.","start_word":1385,"end_word":1426,"intents":[{"intent":"Evaluate contract","confidence_score":0.13295576}]},{"text":"He'll follow that through for you and give you updates, and so we'll see how we go with that. Okay. Okay.","start_word":1748,"end_word":1768,"intents":[{"intent":"Provide updates","confidence_score":0.19349906},{"intent":"Provide updates","confidence_score":0.033324845}]},{"text":"Just lastly, with before moving Yeah. on from the Sure. insurances, so that even with the rebated amount, that's 6,900 per year. Mhmm.","start_word":1798,"end_word":1820,"intents":[{"intent":"Review insurances","confidence_score":0.005556816},{"intent":"Discuss insurance coverage","confidence_score":0.06552074},{"intent":"Discuss insurance premiums","confidence_score":0.041425034}]},{"text":"When will you review that loading?","start_word":2268,"end_word":2273,"intents":[{"intent":"Review loading","confidence_score":0.6194403}]},{"text":"And Do we can we have come an back idea and reassess how much... it.","start_word":2274,"end_word":2288,"intents":[{"intent":"Reassess cost","confidence_score":0.071103625}]},{"text":"So, realistically, 50% would make those, you know, 50% cheaper, would drop the price quite considerably for you. Yeah. Yeah.","start_word":2356,"end_word":2375,"intents":[{"intent":"Reduce price","confidence_score":0.44626337}]},{"text":"We can continue on with the Yep. the portfolio if you like, Yeah.","start_word":2382,"end_word":2394,"intents":[{"intent":"Discuss portfolio savings","confidence_score":0.00061875675}]},{"text":"I am recommending we retain hub twenty four.","start_word":2462,"end_word":2469,"intents":[{"intent":"Recommend retaining yahro","confidence_score":0.004275227}]},{"text":"One of the things I do look at when I am looking at, you know, altering or moving the fund is DDT consequences as well.","start_word":2470,"end_word":2494,"intents":[{"intent":"Discuss dtd consequences for super fund","confidence_score":0.0023329556}]},{"text":"So I wanted to look at reducing that as much as possible.","start_word":2544,"end_word":2555,"intents":[{"intent":"Discuss reducing contributions","confidence_score":0.06904647}]},{"text":"So being able to limit the CDT effect means that more money stays invested working harder for you.","start_word":2658,"end_word":2675,"intents":[{"intent":"Discuss cdt effect","confidence_score":0.059818204}]},{"text":"So I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit.","start_word":2687,"end_word":2736,"intents":[{"intent":"Discuss investment fees","confidence_score":0.0812916}]},{"text":"So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you. Okay? Okay.","start_word":2806,"end_word":2852,"intents":[{"intent":"Review investment portfolio recommendations","confidence_score":0.015136434}]},{"text":"And I have recommended an investment switch here for you, and I'll take you through that in a second. Okay?","start_word":2880,"end_word":2899,"intents":[{"intent":"Recommend investment switch","confidence_score":0.26924387}]},{"text":"When we look at how the investments have performed over the past five years, we look at a five year rolling average. And this looks at the last five years and averages out what the returns have looked like for the individual portfolio. This Mhmm.","start_word":3069,"end_word":3113,"intents":[{"intent":"Provide information on portfolio performance","confidence_score":0.00607506},{"intent":"Explain portfolio performance","confidence_score":0.143107}]},{"text":"With the recommended column, we are still recommending you stay within hub twenty four.","start_word":3181,"end_word":3194,"intents":[{"intent":"Recommend staying within hub twenty four","confidence_score":0.019905284}]},{"text":"With the recommended column, we are still recommending you stay within hub twenty four. Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you.","start_word":3181,"end_word":3222,"intents":[{"intent":"Confirm balance with differs column","confidence_score":0.0000037270852}]},{"text":"So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments. It essentially evens itself out, so your super fund has zero capital gains consequences from making this change. Okay. Yeah.","start_word":3249,"end_word":3308,"intents":[{"intent":"Discuss portfolio benefits","confidence_score":0.0040931315}]},{"text":"And that's the differences column, so in the table on the top line. Yes.","start_word":3346,"end_word":3359,"intents":[{"intent":"Explain difference column in index","confidence_score":0.00004029}]},{"text":"So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455. So that's a gain to you.","start_word":3467,"end_word":3496,"intents":[{"intent":"Summarize cost reduction","confidence_score":0.000002178538}]},{"text":"So this newer portfolio is cheaper for you, keeps more money invested, has performed much better. And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does. So that is also a positive and a gain there for you. Does that make sense?","start_word":3591,"end_word":3661,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.06344652}]},{"text":"We only wanna hold 6%. So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio. Okay? Okay.","start_word":3881,"end_word":3911,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.18116312},{"intent":"Create portfolio","confidence_score":0.0011180117}]},{"text":"India has been underperforming a bit there, so we are removing that one from your portfolio completely. So that will go from 5.10 to zero. That will be removed completely out of your portfolio. Okay?","start_word":3912,"end_word":3946,"intents":[{"intent":"Remove investment","confidence_score":0.38767818},{"intent":"Remove investment","confidence_score":0.34995863}]},{"text":"India has been underperforming a bit there, so we are removing that one from your portfolio completely. So that will go from 5.10 to zero. That will be removed completely out of your portfolio. Okay? Yep.","start_word":3912,"end_word":3947,"intents":[{"intent":"Identify underperforming investments","confidence_score":0.0039337445}]},{"text":"So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you. Okay?","start_word":4235,"end_word":4259,"intents":[{"intent":"Derisk portfolio","confidence_score":0.32106087}]},{"text":"We still wanna hold physical gold. Essentially, we only wanna hold 7%. So your current weighting is 7.50. So we're gonna keep it and just sell a little bit of that off and rebalance that back for you. Okay.","start_word":4278,"end_word":4316,"intents":[{"intent":"Hold physical gold","confidence_score":0.61991704},{"intent":"Sell portfolio","confidence_score":0.18753985}]},{"text":"So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains.","start_word":4463,"end_word":4484,"intents":[{"intent":"Benefit from compounding effect","confidence_score":0.3851184}]},{"text":"what we're doing here. You've had a really good gain in the portfolio. We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you. Does that make sense?","start_word":4489,"end_word":4533,"intents":[{"intent":"Reweight investment","confidence_score":0.029170046}]},{"text":"I would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey. We have a couple of weeks. We have to get you out of this investment. So these investments that... Essentially, the government wants to streamline a lot of the investments. There are a lot of complex complex banking investments out there, and this is one of those. This is sort Okay.","start_word":4581,"end_word":4657,"intents":[{"intent":"Update portfolio","confidence_score":0.0013793217}]},{"text":"So in the great scheme of things, they are defensive in nature. They tend to get a lower rate of return. However, they are a little bit more risky on the side of defensive investments. So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive. Okay? Okay.","start_word":4712,"end_word":4772,"intents":[{"intent":"Eliminate risk","confidence_score":0.039002158}]},{"text":"This is giving access and exposure to all the 16 European country... Countries there. We wanna hold 9% of this investment. Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there. So we do see it as an area to be invested. We're only holding 9% of your portfolio in here. The MSCI... So the Miski Japan, this is giving you access and exposure to the Japanese market.","start_word":4793,"end_word":4871,"intents":[{"intent":"Access japan","confidence_score":0.033299223}]},{"text":"We wanna hold 9% of this investment.","start_word":4807,"end_word":4813,"intents":[{"intent":"Hold investment","confidence_score":0.44943413}]},{"text":"And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis.","start_word":4892,"end_word":4911,"intents":[{"intent":"Prepare for fuel crisis","confidence_score":0.073580354}]},{"text":"So invest in lots of different areas, different countries, and different asset classes.","start_word":4988,"end_word":5000,"intents":[{"intent":"Identify investment categories","confidence_score":0.0001161423}]},{"text":"When we look at this newer portfolio, essentially, all of the investments minus the gold will pay dividend and income payments throughout the year, and that will definitely help to provide a bit of income, which can be re... Report back into your portfolio or reinvested for that compounding effect down the track there as well. Okay?","start_word":5332,"end_word":5388,"intents":[{"intent":"Inquire about portfolio","confidence_score":0.0005874943}]},{"text":"It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you. Does that make sense?","start_word":5685,"end_word":5737,"intents":[{"intent":"Keep portfolio","confidence_score":0.025343534}]},{"text":"I'm gonna take about 3,900 and reinvest that back into your portfolio. We only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you. Okay. Yep.","start_word":5777,"end_word":5819,"intents":[{"intent":"Reinvest","confidence_score":0.2524283}]},{"text":"So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super.","start_word":5844,"end_word":5912,"intents":[{"intent":"Nominate beneficiary","confidence_score":0.44518277},{"intent":"Update beneficiary","confidence_score":0.9118466}]},{"text":"Essentially, they go out there and look for beneficiaries. People can come forward and make a claim.","start_word":6049,"end_word":6065,"intents":[{"intent":"Search for beneficiaries","confidence_score":0.0058342996}]},{"text":"And then the court system decides how that's going to be distributed in accordance with the state laws.","start_word":6082,"end_word":6099,"intents":[{"intent":"Inform about court system decisions","confidence_score":0.011536306}]},{"text":"Will kits tend to be a little bit more contestable and don't hold up as often.","start_word":6469,"end_word":6484,"intents":[{"intent":"Explain wills and charges for will kits","confidence_score":0.00007020482},{"intent":"Explain will kits and power of attorney","confidence_score":0.006271865}]},{"text":"So where there's no implementation or no upfront fees for the advice, that is all part of our services as you've been an ongoing service client. You pay the ongoing service fee, which is estimated in the projection table in here for you as well.","start_word":6710,"end_word":6754,"intents":[{"intent":"Explain ongoing service fee and remuneration","confidence_score":0.0001202618}]},{"text":"So the life insurance remuneration's legislated and standardized across the board. It's 66% of the first year's premium and 22% they're ongoing.","start_word":6897,"end_word":6918,"intents":[{"intent":"Clarify remunerations","confidence_score":0.00010717856}]},{"text":"If you're happy to take the advice and make the changes, we'll just get you to sign and return that back.","start_word":7136,"end_word":7156,"intents":[{"intent":"Follow up with advice","confidence_score":0.00095119985}]},{"text":"And in the meantime, we'll get that loading reviewed for you on your heart murmur as well. Okay? Okay.","start_word":7224,"end_word":7242,"intents":[{"intent":"Review heart murmur","confidence_score":0.084103994}]},{"text":"And then I can follow-up and do that that legal will sort of Yeah.","start_word":7243,"end_word":7256,"intents":[{"intent":"Follow-up with guidance","confidence_score":0.0004106127}]},{"text":"Is there any questions that you can think of that you might need answered at the moment there, Jay?","start_word":7297,"end_word":7315,"intents":[{"intent":"Answer questions","confidence_score":0.60043144}]},{"text":"It's good. And that's really important. You know, you've worked really hard. You will work really hard. By the time you get to retirement, you've basically worked a lifetime.","start_word":7441,"end_word":7469,"intents":[{"intent":"Evaluate success","confidence_score":0.0019294255}]}]},"sentiments":{"segments":[{"text":"Yes. Sorry, Diana. I'm Oh, not sure. Yeah. no. No. I'm Oh, so no. sorry I'm that I don't know what happened there. I do apologize sick. about that. No. I think it's mine.","start_word":0,"end_word":33,"sentiment":"neutral","sentiment_score":-0.1649668514728546},{"text":"I think I don't have great phone reception today by the look of it.","start_word":34,"end_word":47,"sentiment":"negative","sentiment_score":-0.47085362672805786},{"text":"So No. That's okay. When I tried to call you back, my... I got this error on my phone system saying there was no SIP trunk. I don't know what a SIP trunk is, but it seems like it needed it. So I just closed my phone system and reopened it to see if restarting it Yeah. might work, and that seems to have done the trick. So I do apologize about that. No. Look, if it happens to me, I'll try it again myself and... Yeah. Yeah. You're right. I tried to sort of call you back fairly quickly because our phones don't actually open till 08:30 Queensland time, so you can't get through. So I tried to sort of call back fairly quickly to save you trying to get through on a phone system that won't call through, essentially. Yes. I realized that Yeah. too because I did call back. Yeah. And it didn't work. Yeah. Yeah. No. That's all good. I think there was an email coming out via mobile number or something that I could contact you or something. I I think Alright. it's back. Yeah. I'm sure it said something like that yesterday, but, yeah, I'm not sure. That's okay. I don't know. That's... Yeah. I'll double check with the team and see what they sent out. I should be able to find the email that was sent, and I'll have a bit of a look at it and see what they put on there, but that's absolutely perfect. Yeah. I think it was... Yeah. Yep.","start_word":48,"end_word":308,"sentiment":"neutral","sentiment_score":-0.03499074652791023},{"text":"That's all good.","start_word":309,"end_word":311,"sentiment":"positive","sentiment_score":0.39897096157073975},{"text":"Where we sort of left off before was around page number 14. Page 14. Actually, Yep. what... I think we're we're sort of just going back to page 12 about the about the the insurances. I think it's 12 or 13, is it? Yep. That's page 11. Yeah. Page 11? Yep. Oh, you said it's page 11. It's 12 on my computer. Mhmm. It's... So just noting down the bottom, it says, please note this is a 15% rebated amount from the total Yep. Yep. Yep. as it is through super. Can you... So is that the total that I pay per year for that in... For those insurances? Yes. Sort of. So, essentially, the the total at the very bottom is $7,589.97. That is how much the insurer actually receives for the premium. However, you get a 15% rebate called a little bit of a discount, essentially. So the amount that you've actually paid for that policy is $6,755.99. The reason for that is that the premium cannot actually leave the super system. So the way it works, and this is a little bit convoluted. I'm very sorry. Essentially, it moves its road from your super fund over to the super fund held with a sender, and that's because the premium is not allowed to leave the super system in any which way. So the premiums are actually paid to the insurer through a super fund. That way, the money stays in the super system. However, money, when it is moved in the way of a contribution, it is a tax of 15 percent. So instead of them rolling over the full 7,589 and then putting 15% back in your super fund, they essentially give you a discount and just roll over the amount minus that fifth... 15%, say, discount or rebate. So you actually pay a little bit less for the premium than what they have told you you are going to pay.","start_word":312,"end_word":636,"sentiment":"neutral","sentiment_score":0.01196541912853718},{"text":"The Superfund Yep. receives the full amount. It's just that you're getting a slight discount on that, which is a positive thing. Yeah. And that's going up per year too, isn't it? That It absolutely is.","start_word":637,"end_word":672,"sentiment":"positive","sentiment_score":0.56306391954422},{"text":"Yeah. That's why I definitely wanna have these loadings reviewed for you because, essentially, these policies do go through a renewal every year. As they go through the renewal, the amount you're covered for increases slightly along with CPI or indexation or an internal, you know, increase that the the policy provider has decided on. But it also means the policy gets more and more expensive over time as well.","start_word":673,"end_word":742,"sentiment":"neutral","sentiment_score":0.034048311625208175},{"text":"And because this is paid out of your super fund, that has an effect on your super long term.","start_word":743,"end_word":761,"sentiment":"negative","sentiment_score":-0.3334466814994812},{"text":"So it's about trying to make sure you've got the right level of cover that suits you, but that you're not paying the premiums and not eating away all of your soup at the same time. Right. Yes. I was Yeah. gonna talk to you about that later going through Yeah. from from Caden Melbourne. They're Yep. going through the review process. We can talk about that later if you wanted to just go through this form It's up first. to you. If you have questions that you would like to ask about that, you're welcome to do so now. I don't mind.","start_word":762,"end_word":864,"sentiment":"neutral","sentiment_score":0.07271356135606766},{"text":"I'm happy to go with, you know, what's important to you.","start_word":865,"end_word":875,"sentiment":"positive","sentiment_score":0.42153868079185486},{"text":"Okay. Yeah. Look. Well, it was Yeah. important, and I did say to... Yeah. I can't remember her name. It might have been Wendy on the phone or something Yep. last... Yesterday afternoon. Yeah. Yeah. Going through that document, I I Mhmm. I sorta had the concern that I would end up having more conditions because, you know, there was other things that were coming up on there that probably, you know, weren't sort of applicable back when I first started this insurance, Yep. particularly around mental health or, you know, certain other aspects.","start_word":876,"end_word":969,"sentiment":"neutral","sentiment_score":-0.14956015348434448},{"text":"And I thought, oh gosh. This is just gonna be this is gonna work to my detriment, Yep.","start_word":970,"end_word":987,"sentiment":"negative","sentiment_score":-0.5812540054321289},{"text":"if that Yep. makes sense.","start_word":988,"end_word":992,"sentiment":"neutral","sentiment_score":-0.2931968867778778},{"text":"And No. I I've thought, Let me... yeah, I might not even be... It might not be worthwhile now.","start_word":993,"end_word":1011,"sentiment":"negative","sentiment_score":-0.402649849653244},{"text":"I can go through the process, but it was still with Ascender too. So Yeah. Yep. I I don't know.","start_word":1012,"end_word":1031,"sentiment":"neutral","sentiment_score":-0.23785552382469177},{"text":"I I don't know what the right thing or, you know, what the the correct thing to do there is. No.","start_word":1032,"end_word":1052,"sentiment":"negative","sentiment_score":-0.5670925378799438},{"text":"That's okay. So what the... What... That application is admittedly quite large, and a lot of those sections aren't gonna be applicable to what we're actually doing because we're reviewing the loading that has been applied to the policy. So, essentially, what the insurer will do when they receive that application back is they're going back to have a look at what was disclosed at the time of the application. They're gonna look at, you know, the heart murmur and the documents provided, but they're also then going to probably request doctor's reports and or they may ask you to go and see a doctor and have maybe an updated test or have an updated appointment to to make sure that there's nothing ongoing there for you.","start_word":1053,"end_word":1179,"sentiment":"neutral","sentiment_score":-0.16977910697460177},{"text":"Essentially, they're not rewriting the whole application.","start_word":1180,"end_word":1186,"sentiment":"negative","sentiment_score":-0.34161636233329773},{"text":"They're just assessing that loading. So with the insurance, as long as everything at the time of the application was disclosed correctly and there's nothing that they're gonna find at the time application that should have been added or was nondisclosed, then they can't go, hey.","start_word":1187,"end_word":1232,"sentiment":"neutral","sentiment_score":-0.2914173901081085},{"text":"Well, four years after this application was put into place, you started having mental health issues. They can't then add a mental health exclusion for that policy.","start_word":1233,"end_word":1259,"sentiment":"negative","sentiment_score":-0.45871561765670776},{"text":"They're essentially No. looking at what was accurate at the application. If your health changes over time, then that's understandable. That absolutely happens, but they then... They're not rewriting the... They're not reunderwriting the entire policy. They're just looking at the exclusion and the reason for behind the exclusion and to whether they can reduce the exclusion. Essentially, insurance contracts are... They're guaranteed renewable, and this essentially means that once an insurer issues a retail life CPD or income protection policy, it's typically a guaranteed renewal. This means that they can't can't go back and add worse terms to the policy or cancel your policy or add new exclusions just because your health changes or just because you've asked for a review of that. They have to go back and assess the contract at the time of the application, what your health looks like, and is there any changes to your health more with regard to the loading, that means that they can reduce the loading. There is a chance they come back and go, hey. We're not gonna reduce the loading. Unfortunately, doctor's report show that this is still appropriate. We're gonna keep it on there, and that's, you know, a chance that we take. But I know you've had some mental health since then, and things have definitely changed for you. But, you know, having mental health four or five years down the track because we're not underwriting the entire thing, we're just assessing the loading. They can't then come back and go, hey. You have mental health after that. We're now gonna add a mental health exclusion that doesn't work for the... What the policy is. That's not what we're looking at, and that's Right. not what the document's asking them to do.","start_word":1260,"end_word":1555,"sentiment":"neutral","sentiment_score":-0.1495259688109965},{"text":"So they should not definitely do that.","start_word":1556,"end_word":1562,"sentiment":"negative","sentiment_score":-0.3835668861865998},{"text":"We will obviously follow it through very carefully, but we've ticked the the areas and followed through the sections that say we wanna review the loading, and that's all we're gonna ask them to do, essentially. Does that answer your question? It does. It does. And I think Yeah. just trying to be diligent in reading everything, I lost the fact that we were just looking at the loading rather than all the other details that it Oh, wanted. So... absolutely. And that Yeah. is a big document. It's used for several different things. So you're probably looking through the pages going, wow. There's a lot here. Yes. I was probably. So I've just signed That's that as okay. we were talking just within the realization Oh, beautiful. of what you've... What you were saying there. So... No. Beautiful. Look.","start_word":1563,"end_word":1702,"sentiment":"neutral","sentiment_score":0.017668621614575386},{"text":"That's great. Excellent.","start_word":1703,"end_word":1705,"sentiment":"positive","sentiment_score":0.5954748392105103},{"text":"I'll get Caden to download that one and send it off to a sender today, and I'll make... I'll get him to write a little blurb that we are just reviewing the loading for this particular reason and get them to him. He'll follow that through for you and give you updates, and so we'll see how we go with that. Okay. Okay.","start_word":1706,"end_word":1768,"sentiment":"neutral","sentiment_score":0.19915735721588135},{"text":"Thanks, Dana. That's okay. Not a problem at all.","start_word":1769,"end_word":1777,"sentiment":"positive","sentiment_score":0.5278714895248413},{"text":"Is there any other questions in relation to that, or is there any other questions or concerns at the moment? Just lastly, with before moving Yeah. on from the Sure. insurances, so that even with the rebated amount, that's 6,900 per year. Mhmm. Is that awfully high, like, just with what you've seen with other... I mean, it's hard to Yeah. compare, but you... You've sort of got a good baseline for that. I mean Mhmm. I mean, I guess that's why we're doing the review because there is, Yes. you know, that... But I guess every year just looking at whether it's worthwhile, you know, trying to weigh up whether that money coming out is, you know, that safety net, Mhmm. you know, for something Yes.","start_word":1778,"end_word":1904,"sentiment":"neutral","sentiment_score":-0.08368103206157684},{"text":"that may not happen anyway.","start_word":1905,"end_word":1909,"sentiment":"negative","sentiment_score":-0.3404098451137543},{"text":"I mean, insurances may not get paid out or Absolutely. or there's Yeah. still a lot of risk with an insurance Yep. an insurance... What do you call it? Premium being Yep. being paid out to, you know, yourself or Mhmm. or, you know, dependents or what have you. So Yeah. Absolutely. And that's the biggest risk we take with insurances is that we pay the premiums and we have that level of cover, and then we get to retirement, and we've never actually claimed on it.","start_word":1910,"end_word":1996,"sentiment":"neutral","sentiment_score":-0.17124199867248535},{"text":"And they just cancel or we cancel them, and we don't get anything back from any of the premiums that we've paid.","start_word":1997,"end_word":2018,"sentiment":"negative","sentiment_score":-0.3612208664417267},{"text":"And that's Yes.","start_word":2019,"end_word":2021,"sentiment":"neutral","sentiment_score":-0.18515941500663757},{"text":"definitely the biggest risk with all insurances that we do tend to have.","start_word":2022,"end_word":2034,"sentiment":"negative","sentiment_score":-0.3466610908508301},{"text":"So that is an aspect of it in saying that if... You know, I've done plenty of insurance claims for some of my clients, and, realistically, it's great when they are able to get a successful claim through, but the downside to making a claim is that they've lost something.","start_word":2035,"end_word":2084,"sentiment":"neutral","sentiment_score":-0.015787625685334206},{"text":"You know, it could be life insurance where someone's passed away. They've lost a member of their family. TPD where they can never go back to work again, and that can have long term mental health effects on someone when they're especially younger.","start_word":2085,"end_word":2127,"sentiment":"negative","sentiment_score":-0.39182764291763306},{"text":"Income protection. Yes. They Of might course. be off work for a period of time, and that, again, can have mental health effects there.","start_word":2128,"end_word":2151,"sentiment":"neutral","sentiment_score":-0.2518090009689331},{"text":"So that is definitely the biggest the biggest risk we take there.","start_word":2152,"end_word":2163,"sentiment":"negative","sentiment_score":-0.3734113276004791},{"text":"And with these premiums, they are, in my opinion, quite high for what for what they are, for the level of cover you have and the type of cover you have and for your age as well. So it is definitely because that loading is applied there. So having that loading reviewed is a good thing. There is a risk that they may come back and go, hey. No. We're not gonna review the loading. But if they do that, and they give us a reason for that, which they will, we'll be able to go, right. So what do you need to know? When will you review that loading? And Do we can we have come an back idea and reassess how much... it. It's a 50% loading, wasn't it? Yeah. Is it? I've got your certificate of currency here in front of me as well. It is. Oh, good. It doesn't tell me. It's okay. I do have it sitting on your file. Yeah. That's alright. I'm pretty sure it is, but just to make sure that we've got the correct... Yeah. 50% loading. Yeah. Oh, wow. Yep. Yep. Definitely. So, realistically, 50% would make those, you know, 50% cheaper, would drop the price quite considerably for you. Yeah. Yeah. Yeah. Okay. Yeah.","start_word":2164,"end_word":2378,"sentiment":"neutral","sentiment_score":-0.02441399917006493},{"text":"Excellent.","start_word":2379,"end_word":2379,"sentiment":"positive","sentiment_score":0.4376762509346008},{"text":"Alright. We can continue on with the Yep. the portfolio if you like, Yeah. Dana.","start_word":2380,"end_word":2394,"sentiment":"neutral","sentiment_score":0.06383346319198609},{"text":"Absolutely. Not a problem at all.","start_word":2395,"end_word":2400,"sentiment":"positive","sentiment_score":0.43258073925971985},{"text":"If you scroll down for me to page number 14, this is where those recommendations start in place. Oh, yeah. Yep.","start_word":2401,"end_word":2421,"sentiment":"neutral","sentiment_score":0.16682273149490356},{"text":"Beautiful.","start_word":2422,"end_word":2422,"sentiment":"positive","sentiment_score":0.6416765451431274},{"text":"So, essentially, I had a look at your hub twenty four super fund as well as the other funds out there to sort of see whether we look to move the fund or whether we retain the fund itself. I am recommending we retain hub twenty four. One of the things I do look at when I am looking at, you know, altering or moving the fund is DDT consequences as well. So your super fund, just like you, does pay income tax and capital gains tax. It does a tax return every single year as well. So when we are buying and selling investments, that is a capital gains or does have a capital gains effect on your super fund. So I wanted to look at reducing that as much as possible. The other reason I wanted to look at reducing your main... You know, not having as big a capital gains consequence for yourself, for your fund, is that we're not con... We're not looking at contributions at the moment because you are working sporadically. You're looking at, you know, trying to change jobs. There's a a few different changes in your life occurring at the moment, and you're sort of working through what you wanted to do moving forward. So we've got no real steady contributions going into the fund, so I wasn't able to take into account those contributions going in. So being able to limit the CDT effect means that more money stays invested working harder for you. I've also looked at the fee side of things as well.","start_word":2423,"end_word":2686,"sentiment":"neutral","sentiment_score":0.02085817977786064},{"text":"So I'm looking at the ongoing investment fees within the fund, and I've been able to come up with a portfolio that actually reduced your fees a little bit, you know, keeping more money invested in your super working harder for you, which is an absolute positive and a benefit. So I am recommending we retain hub twenty four. It is a good fund.","start_word":2687,"end_word":2750,"sentiment":"positive","sentiment_score":0.5218807458877563},{"text":"There's still nothing wrong with the fund itself. Think of hub twenty four as basically the vehicle. It's like a car. It's getting you from a to b, but what's really gonna make you the returns and get your super working harder is essentially your contributions and also the actual investments within the fund there. So this is just the holding platform to hold the investments, and Hub twenty four still has a huge amount of investment options that we can utilize to build investment portfolios that are working harder and review them down the track as well for you. Okay? Okay. Yeah. When you do get contributions going in from your current employer or any additional employers down the track, we'll keep those going into Hub twenty four. And I have recommended an investment switch here for you, and I'll take you through that in a second. Okay? Okay.","start_word":2751,"end_word":2900,"sentiment":"neutral","sentiment_score":0.1986990017692248},{"text":"Excellent.","start_word":2901,"end_word":2901,"sentiment":"positive","sentiment_score":0.5771458148956299},{"text":"Now I'm gonna skip a couple of pages because you'll get to go back and have a really good read of everything there as well. But if I can get you to scroll down for me, just the page number 19, this one has the heading c comparison superannuation. Yes. Yep. Yep.","start_word":2902,"end_word":2953,"sentiment":"neutral","sentiment_score":0.16026993095874786},{"text":"Beautiful.","start_word":2954,"end_word":2954,"sentiment":"positive","sentiment_score":0.5811803936958313},{"text":"So this is showing you essentially the recommendations side by side. Essentially, with your current balance as of the time we've prepared the documents sitting at a $186,007.42. Within your current fund, you've got administration fees, investment fees, our ongoing service fee us looking after everything and updating advice, and your insurance premiums at the current level there as well. Underneath that, the investor profile, so you're in a high growth portfolio that has that ninety ten split between 90% growth investments and 10% lower risk defensive investments, that was something that you were fairly happy retaining trying to get greater potential growth down the track there. So we are retaining that risk profile. When we look at how the investments have performed over the past five years, we look at a five year rolling average. And this looks at the last five years and averages out what the returns have looked like for the individual portfolio. This Mhmm. portfolio has averaged about 10.06%.","start_word":2955,"end_word":3118,"sentiment":"neutral","sentiment_score":0.22428558766841888},{"text":"As by no means, a bad return is good when you compound forward.","start_word":3119,"end_word":3131,"sentiment":"positive","sentiment_score":0.3349672853946686},{"text":"However, some of the investments have under the... Have been underperforming a bit. So we wanted to look at updating and changing your portfolio as times have definitely changed, and they do need to be updated on a regular basis or every so often as well for you. Okay? With the recommended column, we are still recommending you stay within hub twenty four.","start_word":3132,"end_word":3194,"sentiment":"neutral","sentiment_score":-0.02238410152494907},{"text":"Your balance will stay the same because I was able to come up with a way to adjust your portfolio that had zero capital gains effect for you. So if you look at the differences column there, you'll notice the balance between the current recommended is exactly the same, and there's no CGT consequence. So we were able to utilize and make changes with the portfolio so that any gains that would have been made by altering investments have been offset by any losses that have been, you know, obtained by any underperforming investments.","start_word":3195,"end_word":3288,"sentiment":"positive","sentiment_score":0.4060036242008209},{"text":"It essentially evens itself out, so your super fund has zero capital gains consequences from making this change. Okay. Yeah. Does that What make sense? page Do you have what any page questions? what what page are we looking at there? Sorry. Is it just Okay. That's number the... No. 19. It's still 19. Yep. Yep. Yeah. And that's the differences column, so in the table on the top line. Yes. Yep. I was just curious. So with that investment fee, I mean, for the difference, it's only a Mhmm. a $450 difference. So we're just looking at sort of figures. But what are Mhmm. we losing by saving that $400? I know it was just the more broader buying and selling, which we're doing a lot. And then when I I scroll down to page 21, it sort of seems to highlight the buy and selling differentials there. Yes. But Yeah. So it's actually more is that giving is you a that positive what the change gain. is? Is that what the change is there? Yeah. Yeah.","start_word":3289,"end_word":3466,"sentiment":"neutral","sentiment_score":0.05767364427447319},{"text":"So, essentially, there's no CGT consequences for making the changes in the portfolio, and the newer portfolio is reducing your investment fees by $455. So that's a gain to you. That's more money that stays invested in your portfolio. That's an advantage of changing the portfolio. It's cheaper and saving new funds. On that page 19, the five year rolling average also shows that this newer investment portfolio has obtained about 11.18%.","start_word":3467,"end_word":3538,"sentiment":"positive","sentiment_score":0.47211840003728867},{"text":"So over the past five years, it's actually averaged a much greater return, which depending on... And returns are never guaranteed. However, moving forward, if a portfolio has gone through volatility and has seen those kinds of returns over the past, it means that they can obtain that down the track there.","start_word":3539,"end_word":3590,"sentiment":"neutral","sentiment_score":0.2530316412448883},{"text":"So this newer portfolio is cheaper for you, keeps more money invested, has performed much better. And the projected outcome shows that in the next sort of five to ten years, this newer portfolio could put you in a much better position so your super grow a little bit more than your current portfolio does. So that is also a positive and a gain there for you. Does that make sense?","start_word":3591,"end_word":3661,"sentiment":"positive","sentiment_score":0.6495486497879028},{"text":"It does. Yeah. Yeah. On page number 21, I definitely wanna take you through this because it is a... An interesting page. There's a lot going on on that one, and that you are correct does show the buyers themselves that we essentially attend... Intend on making to be able to switch your portfolio for you. Okay. Yep. Yeah. So I'll take you through it to make it a little bit easier. But looking at the first line there, the first column shows the investment name. So you've got cybersecurity within your portfolio currently, the APIR code. You don't have to worry too much about that line. That's more for us. That's more just so we know which investments to buy and sell because we use the ticket code or the APIR code to be able to find those investments nice and quickly. Okay? Okay. Yep. The current weighting, that is the next column. That's how much of each of these investments you have currently within your portfolio. And the current balance is how much of your super balance is invested within that portfolio currently as well. Okay? Yep. Buying and selling is the change that we are going to make. So you'll see with cyber security, at the moment, you have eight percent invested in your portfolio. We only wanna hold 6%. So we're rebalancing this one and only selling a portion of that investment to bring you back down to 6% of your total portfolio. Okay? Okay.","start_word":3662,"end_word":3910,"sentiment":"neutral","sentiment_score":0.1224427414482018},{"text":"Beautiful.","start_word":3911,"end_word":3911,"sentiment":"positive","sentiment_score":0.3902865648269654},{"text":"India has been underperforming a bit there, so we are removing that one from your portfolio completely. So that will go from 5.10 to zero. That will be removed completely out of your portfolio. Okay? Yep. The Global Healthcare, that one is a good investment to have. However, it is more of a costly investment. It has been very up and down there, and I found a newer portfolio which has a little bit lower risk and still gives you global access. So I am removing that completely Okay. from your portfolio. We've got the S and P 500. Now this is giving you exposure to the top 500 companies on The US market there. You currently have 24.80%. We wanna hold 35%. So that means we're gonna buy a little bit more of that one. So we'll buy the $719,000. Okay. Yep. Yep.","start_word":3912,"end_word":4055,"sentiment":"neutral","sentiment_score":-0.0162990503013134},{"text":"Excellent.","start_word":4056,"end_word":4056,"sentiment":"positive","sentiment_score":0.41177111864089966},{"text":"We've also got the Raffi. This is the Raffi 200. This is giving you exposure to some of the top 200 companies on the ASX by fundamental weighting, and we have 15.70%. We are removing that from your portfolio because we have found a cheaper way to hold Australian equities, so removing this investment completely for you. Okay. Yep. We've also got the ban along Australian equities. This investment's been underperforming and holding everyone's portfolio back. So I'm removing it out completely from all the portfolios that I'm working on, especially yours. We don't wanna see underperforming investments, so this one will be fully gone as well. We've then got the JPMorgan Global Research enhanced equity fund. This was a little bit more of an actively managed global fund that has done really well. But one of the things I wanted to look at doing was while keeping a high growth investment portfolio looking to reduce risk in it. So keeping active management with the portfolio does have some active management risk where active managers can underperform. So I'm removing that completely so as to derisk your portfolio while still keeping you high growth and making your portfolio cheaper for you. Okay? K.","start_word":4057,"end_word":4259,"sentiment":"neutral","sentiment_score":0.028638566389973526},{"text":"Physical gold, this one is still a good investment.","start_word":4260,"end_word":4268,"sentiment":"positive","sentiment_score":0.5175856947898865},{"text":"Has been a bit up and down this year. We still wanna hold physical gold. Essentially, we only wanna hold 7%. So your current weighting is 7.50. So we're gonna keep it and just sell a little bit of that off and rebalance that back for you. Okay. Is that worthwhile? Like, is there fees involved with just selling such a small amount? Or No. No. It's the same as anything else. It's just cementing capital gain. But as with... When we weighed up the capital gains on doing all of these changes, there was zero capital gains effect for your portfolio. So there's no real disadvantage doing that. One of the important things is physical gold doesn't produce income. One of the things I like to look at within portfolios is how we get growth as well as income. Income is dividends that are paid out of the investments, and it's paid to your cash account and then reinvested back into your portfolio for compounding effect. Of course. Physical You're gold immune. doesn't pay any income. Gold and silver and a lot of those commodities like metals, there's no income produced from those. So in order to benefit from the compounding effect, you actually have to sell some of the investment and cement capital gains. And that's essentially Yes. what we're doing here.","start_word":4269,"end_word":4492,"sentiment":"neutral","sentiment_score":0.07995454221963882},{"text":"You've had a really good gain in the portfolio.","start_word":4493,"end_word":4501,"sentiment":"positive","sentiment_score":0.3974093794822693},{"text":"We wanna sell some of that, cement the gain, reweight that investment to where it should be, and then reinvest that gain back in other areas for you. Does that make sense? Yep. Yep.","start_word":4502,"end_word":4535,"sentiment":"neutral","sentiment_score":0.2222407758235931},{"text":"Beautiful.","start_word":4536,"end_word":4536,"sentiment":"positive","sentiment_score":0.4218822717666626},{"text":"Underneath that, you've got the bank hybrids. These are more of a defensive investment, but these are being phased out down down the track by the government. So I'm removing them now rather than holding on till we have to make that change. I would rather make the change whilst we are making the change with the rest of your portfolio rather than coming back later and going, hey. We have a couple of weeks. We have to get you out of this investment. So these investments that... Essentially, the government wants to streamline a lot of the investments. There are a lot of complex complex banking investments out there, and this is one of those. This is sort Okay. of like bonds and shares together. It's a... An investment. You're you're putting money into banking products. The banks are then using that money to lend out. They're giving you a return by way of a compound payment or an income payment, but bank hybrids are also traded a little bit like shares as well. So in the great scheme of things, they are defensive in nature. They tend to get a lower rate of return. However, they are a little bit more risky on the side of defensive investments. So because they are being phased out, I'm gonna remove that from your from your portfolio wholly and place you in something else defensive. Okay? Okay.","start_word":4537,"end_word":4772,"sentiment":"neutral","sentiment_score":0.015364852138021488},{"text":"Excellent.","start_word":4773,"end_word":4773,"sentiment":"positive","sentiment_score":0.4981176853179931},{"text":"We've also got the iShares Europe investment there. Now you don't have any of this in your portfolio currently. This is giving access and exposure to all the 16 European country... Countries there. We wanna hold 9% of this investment.","start_word":4774,"end_word":4813,"sentiment":"neutral","sentiment_score":0.15911279618740082},{"text":"Europe does see quite a lot of growth, and we have seen some fantastic growth in the past few months there.","start_word":4814,"end_word":4834,"sentiment":"positive","sentiment_score":0.5112496614456177},{"text":"So we do see it as an area to be invested. We're only holding 9% of your portfolio in here. The MSCI... So the Miski Japan, this is giving you access and exposure to the Japanese market. Essentially, years ago, everyone was surmising China was the place to be.","start_word":4835,"end_word":4883,"sentiment":"neutral","sentiment_score":0.14552192389965057},{"text":"However, Japan has seen some really good growth. And when we look at things this year, Japan was very well prepared for their nation with the fuel crisis. So, essentially, seeing where Japan is, where it is going, and where there's a bit of growth there, it is a really good place to be invested.","start_word":4884,"end_word":4938,"sentiment":"positive","sentiment_score":0.41471928358078},{"text":"So we see 5% moved into the Japanese market for you. K. Yep. Underneath that, you've got the Vanguard All World x US investment. Now this is essentially giving you exposure to the entire globe. One of the biggest ways to be able to mitigate risk is to diversify. So invest in lots of different areas, different countries, and different asset classes. The Vanguard or World ex US investment is giving you exposure to essentially the entire globe minus The US today. We don't need The US in there because we have access to the S and P 500 above, but we wanna hold 8% of this investment for you as well. Okay? Okay. But because we're removing the Raffy and the Benelon Australian Equities, we still need to see exposure into the Australian share market. And the BetaShares a 200 is what's giving you that. It's essentially giving you exposure to the top 200 companies on the ASX.","start_word":4939,"end_word":5097,"sentiment":"neutral","sentiment_score":0.12621086938951},{"text":"It is a passively managed investment. It is tracking in indices, and it is a really good place to be.","start_word":5098,"end_word":5117,"sentiment":"positive","sentiment_score":0.47877511382102966},{"text":"We have seen good exposure to the Australian market, and it is important to have a little bit of exposure in the Australian market as well. We tend to force it with The US, and so whilst we don't tend to get as good returns as what The US does, it is still important to have exposure into the Australian market there. So we'll see 25% invested in that investment for you. Okay? K.","start_word":5118,"end_word":5191,"sentiment":"neutral","sentiment_score":0.14533238112926483},{"text":"Excellent.","start_word":5192,"end_word":5192,"sentiment":"positive","sentiment_score":0.44717276096343994},{"text":"And then the last one at the very bottom on the next page there, you've got the iShares core composite bond. Now bonds, this is giving you exposure to both the government as well as corporate bonds. It does also have a little bit of international exposure with debt and other notes and fixed interest, which is great. Essentially, this is more of a defensive investment. So within your portfolio, within a high growth environment, we wanna... Sort of wanna stay between five to 10% invested in defensive investments. Bonds do pay income payments, which gets paid into your cash account, and that does help with the compounding effect there as well. And that's the important thing because we're not able to factor in contributions right now. We wanna make sure that the investments are paying dividends as well. When we look at this newer portfolio, essentially, all of the investments minus the gold will pay dividend and income payments throughout the year, and that will definitely help to provide a bit of income, which can be re... Report back into your portfolio or reinvested for that compounding effect down the track there as well. Okay? Well, okay. Easy. Yep. Now that is a lot. I get that. Do you have any questions? Look, I only an intuitive question that I know that Sure. you when we set out here, there was... And the fact that I wasn't putting in a lot of money into my super at the moment. Does... Did that weigh then more than it should have in my investment portfolio on what I was investing in because I wasn't putting in that much. And No. you've mentioned that... No. So this is still Yeah. a good rounded account, a good Yeah. rounded investment portfolio Absolutely. even even for someone who's contributing, you know, a good amount, a normal Yeah. sort of 11% from their wage sort of thing. Yeah. Absolutely. That is... Most Yeah. definitely. Yeah. Yeah. Okay. And look, your balance isn't bad.","start_word":5193,"end_word":5530,"sentiment":"neutral","sentiment_score":0.1461043444699084},{"text":"You're almost at $200,000 mark, which is great.","start_word":5531,"end_word":5538,"sentiment":"positive","sentiment_score":0.4726424515247345},{"text":"So your balance is not bad by any means. And as things change... So once we kinda Yeah. go through and make this change with your portfolio, I'll make sure we catch up in the next few months there to see how it's tracking, and then we'll just keep reviewing things moving forward. If things change with your occupation, if you decide to take on more work and get regular contributions, we can always come back and look at that again and sort of see how that's tracking down the track. If you get a new job, we'll update the advice to reflect changes to your circumstances there. So it's by no means having a bad effect.","start_word":5539,"end_word":5655,"sentiment":"neutral","sentiment_score":0.1890466809272766},{"text":"You are still increasing. You are still getting growth. We just wanna keep that compounding forward.","start_word":5656,"end_word":5671,"sentiment":"positive","sentiment_score":0.48012930154800415},{"text":"And as we need to make changes to your portfolio, that happens.","start_word":5672,"end_word":5683,"sentiment":"neutral","sentiment_score":0.26483169198036194},{"text":"It doesn't have to happen every year, but every so often updating and changing investments is a good thing to keep the portfolio, as you said, well rounded, keep you diversified, keep you invested, and try to, you know, keep as much money growing and working harder for you.","start_word":5684,"end_word":5732,"sentiment":"positive","sentiment_score":0.4255177676677704},{"text":"Does that make sense? It does. Yep.","start_word":5733,"end_word":5739,"sentiment":"neutral","sentiment_score":0.24200981855392456},{"text":"Thanks, Diana. Yeah. That's okay.","start_word":5740,"end_word":5744,"sentiment":"positive","sentiment_score":0.4449764192104339},{"text":"The only other thing on the bottom there of that same page is your cash account there. So you do have a little bit too much cash sitting there at the moment. I'm gonna take about 3,900 and reinvest that back into your portfolio. We only wanna hold 1.25% cash within your super fund at any one time, and most of the money should be invested in your portfolio working harder for you. Okay. Yep.","start_word":5745,"end_word":5819,"sentiment":"neutral","sentiment_score":0.013581786304712296},{"text":"Thank you.","start_word":5820,"end_word":5821,"sentiment":"positive","sentiment_score":0.3643810749053955},{"text":"Yeah. That's okay. The only other thing to kinda go through as on page number 24 is that beneficiary side of things. So as we kind of may have mentioned, at the moment on your life insurance policy with a sender, you've got the legal personal representative set out there Updating your beneficiary to be nominating a 50% to Dylan and Toby is in your best interest because it means that if you were to pass away, they could claim on that life insurance policy as they can on your super. They are your children's. They meet the definition of a dependent under the CIS Act. They, unfortunately, don't quite meet the definition of a dependent under the tax act, so they would have to pay tax on the... A portion of the benefit. But it's better to do it this way at the moment and update it when you have a will in place rather than leaving it as it is. Because as I mentioned before, if you would have passed away now and, you know, that benefit was to be paid out, it would have to go to your estate, which is your legal personal representative. Without having a will in place, the money in your estate then has to go through probate. Probate is a legal process where it goes to the court system. Essentially, they go out there and look for beneficiaries. People can come forward and make a claim. There's no guarantees they'll be able to claim on that. However, they can make that claim. And then the court system decides how that's going to be distributed in accordance with the state laws. So it does mean that the people that you want the money directed to may not may not receive it essentially or may not receive the portion that you wanted them to get.","start_word":5822,"end_word":6132,"sentiment":"neutral","sentiment_score":-0.023367835394439207},{"text":"So updating that beneficiary nomination to reflect that directly for the time being is appropriate and making sure that your two children are able to claim their portion correctly in the event that you were able to pass away. And when and if you get a will completed, then we can always update that down the track to make it a more tax effective beneficiary for you.","start_word":6133,"end_word":6199,"sentiment":"positive","sentiment_score":0.41184931993484497},{"text":"Okay? Okay.","start_word":6200,"end_word":6201,"sentiment":"neutral","sentiment_score":0.26825255155563354},{"text":"That's Thank you. okay.","start_word":6202,"end_word":6205,"sentiment":"positive","sentiment_score":0.4713132381439209},{"text":"I've also got a little bit in there below about doing up a will and power of attorney. We can refer you to a solicitor. Alternatively, if you have a local solicitor that you're comfortable talking to that you would like to seek, you can just go in there, speak to them, find out how much they charge for doing up a will and power of attorney, and then having those sorts of documents done up there. It is really important to have those sorts of things done up. Beneficiary Yeah. nominations look after your super and your life insurance. But a lot of people look around and go, look. I don't really have very much. But, realistically, if you look around your cars, your savings, your, you know, family heirlooms and things that are important to you, they still need to be directed to the person that you want them to be directed to, and having a will done up is a really important way of doing that. You Mhmm. can also just get a will kit from the post office and fill it out. They're about $30.35 odd dollars. And as long as you fill it out as per the directions, it is a valid will kit. The benefit to having it done through a solicitor is that it... Whilst every will is contestable, it is less contestable. So wills are more likely to be adhered to or go through the court system and be, you know, referenced if they are done through a solicitor and they are done up correctly. Will kits tend to be a little bit more contestable and don't hold up as often. So there are those sorts of advantages to seeking the services of a solicitor, albeit it can be a little bit more expensive to do so. Okay. How much is it? Usually, like, couple $100. I suppose it depends a few $100 an hour out there. Yeah. Our lawyer usually. So Yeah. It tends to depend on what you need done, but a simple will kit can be done anywhere from, say, 2 to $500. Yep. I know mine was a little bit more complex, so it did cost my will, power of attorney, and guardianship documents a bit over 1,000. But, Well, you know, will and power of attorney, if you're just having something very simple, they can normally do anywhere from 2 to $500 simply. You know, a solicitor may charge a little bit more. You could even just, you know, go online, have a look, and do a web inquiry into a a few different local solicitors to see what they might charge just to do a basic will kit to cover you and maybe power of attorney as well. Yeah. That's true. Yep. Yep. Yeah. Easy. The only other section I need to sort of show you is if you go down to page 34 for me... Mhmm. Beautiful. This is just showing you the ongoing... The remuneration side of things. So where there's no implementation or no upfront fees for the advice, that is all part of our services as you've been an ongoing service client. You pay the ongoing service fee, which is estimated in the projection table in here for you as well. And with the Ascendor policy, we do receive ongoing remuneration from them. At the moment, based on 22%, which is the legislative percentage we receive, they pay us $1,486. That has no reflection of our recommendations in any way, shape, or form.","start_word":6206,"end_word":6796,"sentiment":"neutral","sentiment_score":0.11999975726033628},{"text":"What we do is in your best interest to help you meet your goals, and we are going through that process of having your loading reviewed as well, which will make your premium cheaper, which means the amount we receive will also reduce as well.","start_word":6797,"end_word":6841,"sentiment":"positive","sentiment_score":0.3756742477416992},{"text":"So this is just disclosing how much we receive and how that works there for you, but just making sure you're aware that that has no reflection on my recommendations. I work in your best interest. Okay. Would you... I mean, did... Would you get that from any, life insurance company then? Or Absolutely. Yeah. So the life insurance remuneration's legislated and standardized across the board. It's 66% of the first year's premium and 22% they're ongoing. And it's being standardized Or... because believe it or not, back in the cowboy days, essentially, advisors used to get a 100 to a 110% upfront remuneration from insurance companies. So that was pretty hefty kind of remuneration. It became, you know, a lot of swapping and changing, and a lot of things happened back in those days. Yeah. Well, it's a And little different. so... Yeah. Yeah. Absolutely. And so standardization needed to occur of the remuneration aspect there. So that's why it is 66% of the first year's premium, 22%, they're ongoing. But through the advice document, when you take some time to review it, you'll note that I've got best interest, Judy, in there, so relating my recommendations back to your goals and why this is in your best interest. So the fee side of things isn't the most important for me. It's about making sure things are working harder for you. Okay. Yeah. Yep. Yeah.","start_word":6842,"end_word":7077,"sentiment":"neutral","sentiment_score":0.0494600348174572},{"text":"Excellent. Okay. Thank you.","start_word":7078,"end_word":7081,"sentiment":"positive","sentiment_score":0.4818587899208069},{"text":"That's basic... That's okay. That is basically everything. I'll let you take that back to have some time to read it over. I know it is a lot first thing in the morning, so take some time to read the document. If you find you have questions, you're welcome to let me know. If you're happy to take the advice and make the changes, we'll just get you to sign and return that back. Implementation wise, how we'll proceed with this is once you sign and return the document back, our team will make the changes within your investment portfolio in your super. They'll do the switch in the back end. You'll probably get emails to say we're making those changes, and then we'll get your beneficiary nominations also sent out to you so they can be updated on your ascender policy. And in the meantime, we'll get that loading reviewed for you on your heart murmur as well. Okay? Okay. And then I can follow-up and do that that legal will sort of Yeah. things and let you know because, Abs... yeah, there was some Yeah. benefit there to do that too, wasn't there? Absolutely. Yeah. Protecting everything else that you've worked so hard for. Absolutely. Yeah. Yeah. Yeah. Yeah.","start_word":7082,"end_word":7292,"sentiment":"neutral","sentiment_score":0.16041000660561838},{"text":"Beautiful.","start_word":7293,"end_word":7293,"sentiment":"positive","sentiment_score":0.5040415525436401},{"text":"Of course. Yeah. Is there any questions that you can think of that you might need answered at the moment there, Jay? Is there anything that's come up No. in amongst No. that? Like, we've No? covered everything, Dana, as Beautiful. as usual. Yeah. I appreciate that. So, That's okay. no, I I... I'll just read over that and and should Beautiful. sign it later later or in a couple of hours once I've Had to think that that we've... I think we've covered Absolutely. everything. So I've Yeah. been keeping up looking through as well. So Fantastic. just... Yeah.","start_word":7294,"end_word":7393,"sentiment":"neutral","sentiment_score":0.0591733455657959},{"text":"All good. Thank you kindly. Excellent. It's a, yeah, Thank... good document. My pleasure. Gives me some gives me some things that I need to to action as well.","start_word":7394,"end_word":7422,"sentiment":"positive","sentiment_score":0.4778644740581513},{"text":"It just keeps me Yes. sort of empowered with it, I I I guess. So... Yeah. Absolutely. No. It's good. And that's really important. You know, you've worked really hard. You will work really hard. By the time you get to retirement, you've basically worked a lifetime.","start_word":7423,"end_word":7469,"sentiment":"neutral","sentiment_score":0.1367213875055313},{"text":"So making sure that you understand what we're doing, why we're doing it, how we're doing it is really important. I love the educational value of my job, helping you understand what we're doing because no one learns any of this at school. We all have to come out and learn it as adults. But, also, making sure that you're empowered to be able to do things as well is really important to me. So, yeah, I'm glad that I was able to help you with that.","start_word":7470,"end_word":7556,"sentiment":"positive","sentiment_score":0.608443021774292},{"text":"Yeah. No.","start_word":7557,"end_word":7558,"sentiment":"neutral","sentiment_score":0.19581830501556396},{"text":"You're good at it, Dana. Thank you. I I do Thank recommend you. you guys.","start_word":7559,"end_word":7573,"sentiment":"positive","sentiment_score":0.460989385843277},{"text":"So... Or when Oh, things thank come you. up. So... Yep.","start_word":7574,"end_word":7584,"sentiment":"neutral","sentiment_score":0.11035314202308656},{"text":"Thank I'll... you so much.","start_word":7585,"end_word":7589,"sentiment":"positive","sentiment_score":0.5278568863868713},{"text":"Yeah.","start_word":7590,"end_word":7590,"sentiment":"neutral","sentiment_score":0.3156842589378357},{"text":"Alright. Easy. Thank Alright. you for your time, Jay. I'll let you go. I hope you have a good rest of your day.","start_word":7591,"end_word":7613,"sentiment":"positive","sentiment_score":0.6521936655044556},{"text":"Yes. Yeah. You too.","start_word":7614,"end_word":7617,"sentiment":"neutral","sentiment_score":0.3182017505168915},{"text":"Thanks, Dana. Yeah. My pleasure. I'll talk to you soon.","start_word":7618,"end_word":7627,"sentiment":"positive","sentiment_score":0.5186846852302551},{"text":"Okay. See you soon. Bye bye.","start_word":7628,"end_word":7633,"sentiment":"neutral","sentiment_score":0.24730484187602997},{"text":"Thanks. See you later.","start_word":7634,"end_word":7637,"sentiment":"positive","sentiment_score":0.4321832060813904},{"text":"Bye.","start_word":7638,"end_word":7638,"sentiment":"neutral","sentiment_score":0.21104805171489716}],"average":{"sentiment":"neutral","sentiment_score":0.08049131390094849}}}}