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I just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments. Is now still a good time? Yeah. Great. Perfect. Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. How's your day been so far? Been busy? Oh, yeah. Well, I will try not to keep you for too long. Now as you are driving, I have sent you an email with the documents. But if you're happy for me to kind of go through it, briefly with you on the phone, it is fairly straightforward. And then when it's obviously safe for you to do so and when you have a moment later, have a look through it. And if you don't have any other questions, you can give me a callback. Is that okay? Yeah. Great. Perfect. Now after kind of the research and everything on your super, I have made a recommendation for you. Because we are making a recommendation and doing personalized financial advice, I do have to put everything in this statement of advice. So a lot of it is just for for compliant purposes, but it's also to make sure that you fully understand everything. Now I will try to just summarize that and make the most important point for you. Now on the cover page, when you do have access to the emails, you will see that this is tailored specifically for you. You will have my authorized representative number listed there, and I am licensed under OPU Financial. Now every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty. Have you heard of that before? No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me. So there's a lot in place to to protect you, essentially. Yep. All makes sense so far? Yeah. Perfect. Now it is pretty straightforward today. Like I said, it is just in regards to your superannuation, focusing on reviewing your superannuation and trying to maximize that growth for you. We're not making any changes in regards to insurances or any other areas. If it is anything that you do wanna revisit down the track, you can just let us know, and we can always look at that. But, otherwise, essentially, today, it is literally just your superannuation. When you do have a look through the document, you will see some some personal information in regards to yourself as well. Just have a bit of a read over it just to make sure everything is up to date. Otherwise, to kind of summarize the recommendation on your super, page 13, when you have a moment later, it shows you the recommendation outlined in a bit of a table to show you the update. So I did a lot of research on Hub 24 for you just to make sure if Hub 24 was still the best option for you or if there was any other options that was competitive for you. And at the moment, I have recommended that you stay in Hub twenty four. It is still very competitive with prices, features, and investment choices. And I use Hub twenty four for my personal super as well, and it does give you a lot of a lot of flexibility, and it is quite affordable price wise when we are looking at competitive options. Can so I can kinda facilitate the same thing. So I've recommended that you stay in Hub 24 for now and literally just changing some of your investments. Now I did make a a research as well on the SMA. Do you remember kind of talking about that briefly last time? Yep. And I have not recommended the SMA today. So the reason being is that when I did the research on your account, the SMA actually showed that it was a little bit higher fees than what I have recommended for you. It it wasn't as good performance as well right now, and you also had to pay a higher amount of capital gains tax by going into it. So, therefore, I couldn't really recommend the SMA for you right now based on your current situation when there was another option that was more suitable for you. That's not to say that, you know, things might not change, and as the SMA potentially change or your situation change is something we can always reassess. But, again, it kind of comes back to your goals and making sure that we put you in the best position possible. Does that make sense? Yep. Great. Perfect. So, basically, what I have recommended is just to make a couple of tweaks and changes to your investments to try to improve your position. So we're not making any changes to your growth risk profile. We are keeping it exactly the same, so not an additional risk or anything like that. Still keeping you within that eighty twenty allocation in terms of your risk allocation. So literally just changing some of your investments. So it is pretty straightforward. Now by making the changes through your investments, it's actually reducing the fees a little bit for you, which is nice. So you are saving about $400 a year in fees alone by just making a couple of those investment changes, which is pretty good. Now when it comes to the returns as well, sorry. When I have done the the comparison for you, I have used a three year rolling average to to show the returns on the portfolio as well to give us a little bit more time frame than just, like, a twelve month to give you a bit more, you know, certainty of what's happening in the market. So in your current portfolio, the three year rolling average is about 13.31%. The new recommended portfolio using the same time frame is a 16.86%. So it's about 3.55% better historically than your current portfolio as well as being a bit cheaper, which which is good. Yeah. Now I have also, for your reference, included a bit longer time frames as well. So on your current Recommended is 13.25. And I've then also done a five year comparison on the recommended portfolio. I couldn't do it on the current because some of the current investment haven't been around for the whole duration. But just for your reference, I have done it on the recommended so that you can see that. Yep. Perfect. Basically, when we factor in the fees the fee reduction and the increase in the return, when we are looking at about a five year difference, assuming, obviously, everything kind of stays the same otherwise, it will make a bit of a difference of about 60,000 a $189 because it all compounds, and I thought that was a pretty good outcome for you. Yeah. Now I do wanna let you know that with the recommendation, there are always advantages, risks, and disadvantages to be mindful of. So I kind of touched on most of their advantages in regards to, you know, the fees and their performance and everything. One of the disadvantage I do wanna make sure that you are aware is that every time we sell investments, if they have gone up, there will be capital gains tax on the earnings. So I've tried to minimize that as much as possible for you by still making a couple of changes. So the capital gains tax, it is estimated because it does change, obviously, with the market, but it will be roughly $1,004 that would that would come out of your super for the tax. That would just be straight away, just like a a one off, the paid the tax that would come out by making the change. Yep. Now if we were to look at making the change to the SMA, for example, or another super fund, the capital gains tax would be about 2,982 or a lot higher. So I obviously try to minimize that for you as much as possible while still trying to obviously improve the situation for you. Yep. Now you obviously don't have to pay for that yourself. It's just tax that's automatically deducted from your super, but I do wanna let you know as well so that you are aware. Yep. Perfect. Now, obviously, some risks to be mindful of as well is that there's always a level of risk associated with any investment option. You can't guarantee what's going to happen because you never know with the market sometimes as as well. But that is why we do use a longer time frame as well when we are using, a comparison and doing that for you. Because when we are looking at your your three and five year time frame, that gives us a bit more certainty of what's happened both in the world and the market as well. Does that all make sense so far, Matthew? Yep. Yep. Great. Perfect. Now in terms of the actual investment changes, that is outlined on page 16 for you when you have a moment. So you will see an investment table that outlines this. So you will have all the investments, and then you will also have one column where it says buy and sell. Now everything in red is what we are selling, and then what's black is what we are buying or keeping in your investment. So when you have a look at it, it probably makes a bit more sense. So it's not a drastic change, really. It is just making a couple of tweaks in order to try to improve that. So the biggest thing is removing that Ben along Australian So I'm not sure if you kind of remember me talking about that a little bit last time. Yep. So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred. So we still obviously wanna make sure you have some exposure to the Australian market. We don't want everything in in, like, The US. So, anyway, we wanna make sure it's very diversified for you. But this one here is a little bit cheaper investment because it basically tracks the 200 largest companies listed on the ASX. So you will have companies like, you know, Commonwealth and BHP and Woolworths are all the big companies in Australia to give you that diversification. We've then kind of removed some of your other satellite investments and kind of made sure to try to diversify things a little bit further for you as well by introducing about 8% to the Europe market, 5% to Japan, and then eight percent in one that's called your Vanguard or World. But this one actually excludes The US because you already have the exposure through The US market in your iShares S and P 500, which you already had in your portfolio. Because that one investment invest in the 500 list largest comps listed in The US. So, again, we don't wanna have overexposure to one market, so we wanna diversify things for you and kind of complement each other. Does that make sense so far? Yeah. Yeah. Perfect. Now, obviously, we wanna still make sure we have your defensive component as well. So we're leaving gold in your portfolio. We're actually increasing allocation to 10%. You had 8.97% before. Gold is a really good kind of stabilizer to the portfolio and has done really well as well. So we wanna definitely keep that in your portfolio. We are swapping one of your defensive investments out. He's actually being phased out, which is your bank's hybrid, and we're just swapping that for another fixed interest investment, essentially. So not massive changes, just a couple of tweaks through to kinda make sure we have you in the best position moving forward. Now, Matthew, if you would like to go and have a look and research these investment options yourself, When you do have a look at the email, so before you click on the link where it says sign now, you will see a couple of attachments. And one of the attachment is an appendix, and that's basically where the research material and stuff goes as well. And in that appendix, there is investment links through the investments I touched on now as well. So if it is that you wanted to go and read up on them a bit more as well, all the information is there for you. Any questions so far? None. Yeah. Perfect. Now the other thing I have included there for you is just some general information in regards to the beneficiary forms as well. If we wanted to nominate that legal personal representative, just some general information for you on how that all works as well as well as just some general information in regards through setting up a a will and making a nomination as a power of attorney. It is something I always recommend everyone to have a look at. So there's just some general information in regards to that for you as well. And the last thing is just when it comes to the remuneration side, so there is no changes whatsoever in regards to the advice fee. It stays exactly the same at 1.65. So if you are happy to go ahead with the recommendation today to make a couple of those investments, which is there is no additional fees or charges at all. It is just all part of that ongoing service for you. Yep. Perfect. Now do you have any questions for me at this point otherwise? Nope. Yeah. Perfect. So, basically, from here is obviously, when you have a moment, have a look through the document. Any questions, just let me know, and we can always book in for another catch up. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that. And then once you've finished it, it will actually send it back to me. And then that tells me that you're happy with the recommendation, and I can let the team know to go ahead and authorize that change for you. Yep. Perfect. Well, I will let you go, and enjoy the rest of your afternoon or or work. And if there's anything else that you need, Matthew, at any point in time, you know, don't hesitate to give me a call. No problem at all. Look forward to speaking with you soon again. Thanks. 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afternoon. This is Matthew speaking. This is Veronica from ICU Financial. How are you? That's good.\n\nI just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments. Is now still a good time? Yeah. Great. Perfect.\n\nNow just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect.\n\nThat's exactly what I have here. How's your day been so far? Been busy? Oh, yeah. Well, I will try not to keep you for too long.\n\nNow as you are driving, I have sent you an email with the documents. But if you're happy for me to kind of go through it, briefly with you on the phone, it is fairly straightforward. And then when it's obviously safe for you to do so and when you have a moment later, have a look through it. And if you don't have any other questions, you can give me a callback. Is that okay?\n\nYeah. Great. Perfect. Now after kind of the research and everything on your super, I have made a recommendation for you. Because we are making a recommendation and doing personalized financial advice, I do have to put everything in this statement of advice.\n\nSo a lot of it is just for for compliant purposes, but it's also to make sure that you fully understand everything. Now I will try to just summarize that and make the most important point for you. Now on the cover page, when you do have access to the emails, you will see that this is tailored specifically for you. You will have my authorized representative number listed there, and I am licensed under OPU Financial. Now every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty.\n\nHave you heard of that before? No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license.\n\nAnd if I lose my license, I will lose my job, and my husband at home will be too happy with me. So there's a lot in place to to protect you, essentially. Yep. All makes sense so far? Yeah.\n\nPerfect. Now it is pretty straightforward today. Like I said, it is just in regards to your superannuation, focusing on reviewing your superannuation and trying to maximize that growth for you. We're not making any changes in regards to insurances or any other areas. If it is anything that you do wanna revisit down the track, you can just let us know, and we can always look at that.\n\nBut, otherwise, essentially, today, it is literally just your superannuation. When you do have a look through the document, you will see some some personal information in regards to yourself as well. Just have a bit of a read over it just to make sure everything is up to date. Otherwise, to kind of summarize the recommendation on your super, page 13, when you have a moment later, it shows you the recommendation outlined in a bit of a table to show you the update. So I did a lot of research on Hub 24 for you just to make sure if Hub 24 was still the best option for you or if there was any other options that was competitive for you.\n\nAnd at the moment, I have recommended that you stay in Hub twenty four. It is still very competitive with prices, features, and investment choices. And I use Hub twenty four for my personal super as well, and it does give you a lot of a lot of flexibility, and it is quite affordable price wise when we are looking at competitive options. Can so I can kinda facilitate the same thing. So I've recommended that you stay in Hub 24 for now and literally just changing some of your investments.\n\nNow I did make a a research as well on the SMA. Do you remember kind of talking about that briefly last time? Yep. And I have not recommended the SMA today. So the reason being is that when I did the research on your account, the SMA actually showed that it was a little bit higher fees than what I have recommended for you.\n\nIt it wasn't as good performance as well right now, and you also had to pay a higher amount of capital gains tax by going into it. So, therefore, I couldn't really recommend the SMA for you right now based on your current situation when there was another option that was more suitable for you. That's not to say that, you know, things might not change, and as the SMA potentially change or your situation change is something we can always reassess. But, again, it kind of comes back to your goals and making sure that we put you in the best position possible. Does that make sense?\n\nYep. Great. Perfect. So, basically, what I have recommended is just to make a couple of tweaks and changes to your investments to try to improve your position. So we're not making any changes to your growth risk profile.\n\nWe are keeping it exactly the same, so not an additional risk or anything like that. Still keeping you within that eighty twenty allocation in terms of your risk allocation. So literally just changing some of your investments. So it is pretty straightforward. Now by making the changes through your investments, it's actually reducing the fees a little bit for you, which is nice.\n\nSo you are saving about $400 a year in fees alone by just making a couple of those investment changes, which is pretty good. Now when it comes to the returns as well, sorry. When I have done the the comparison for you, I have used a three year rolling average to to show the returns on the portfolio as well to give us a little bit more time frame than just, like, a twelve month to give you a bit more, you know, certainty of what's happening in the market. So in your current portfolio, the three year rolling average is about 13.31%. The new recommended portfolio using the same time frame is a 16.86%.\n\nSo it's about 3.55% better historically than your current portfolio as well as being a bit cheaper, which which is good. Yeah. Now I have also, for your reference, included a bit longer time frames as well. So on your current Recommended is 13.25. And I've then also done a five year comparison on the recommended portfolio.\n\nI couldn't do it on the current because some of the current investment haven't been around for the whole duration. But just for your reference, I have done it on the recommended so that you can see that. Yep. Perfect. Basically, when we factor in the fees the fee reduction and the increase in the return, when we are looking at about a five year difference, assuming, obviously, everything kind of stays the same otherwise, it will make a bit of a difference of about 60,000 a $189 because it all compounds, and I thought that was a pretty good outcome for you.\n\nYeah. Now I do wanna let you know that with the recommendation, there are always advantages, risks, and disadvantages to be mindful of. So I kind of touched on most of their advantages in regards to, you know, the fees and their performance and everything. One of the disadvantage I do wanna make sure that you are aware is that every time we sell investments, if they have gone up, there will be capital gains tax on the earnings. So I've tried to minimize that as much as possible for you by still making a couple of changes.\n\nSo the capital gains tax, it is estimated because it does change, obviously, with the market, but it will be roughly $1,004 that would that would come out of your super for the tax. That would just be straight away, just like a a one off, the paid the tax that would come out by making the change. Yep. Now if we were to look at making the change to the SMA, for example, or another super fund, the capital gains tax would be about 2,982 or a lot higher. So I obviously try to minimize that for you as much as possible while still trying to obviously improve the situation for you.\n\nYep. Now you obviously don't have to pay for that yourself. It's just tax that's automatically deducted from your super, but I do wanna let you know as well so that you are aware. Yep. Perfect.\n\nNow, obviously, some risks to be mindful of as well is that there's always a level of risk associated with any investment option. You can't guarantee what's going to happen because you never know with the market sometimes as as well. But that is why we do use a longer time frame as well when we are using, a comparison and doing that for you. Because when we are looking at your your three and five year time frame, that gives us a bit more certainty of what's happened both in the world and the market as well. Does that all make sense so far, Matthew?\n\nYep. Yep. Great. Perfect. Now in terms of the actual investment changes, that is outlined on page 16 for you when you have a moment.\n\nSo you will see an investment table that outlines this. So you will have all the investments, and then you will also have one column where it says buy and sell. Now everything in red is what we are selling, and then what's black is what we are buying or keeping in your investment. So when you have a look at it, it probably makes a bit more sense. So it's not a drastic change, really.\n\nIt is just making a couple of tweaks in order to try to improve that. So the biggest thing is removing that Ben along Australian So I'm not sure if you kind of remember me talking about that a little bit last time. Yep. So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred. So we still obviously wanna make sure you have some exposure to the Australian market.\n\nWe don't want everything in in, like, The US. So, anyway, we wanna make sure it's very diversified for you. But this one here is a little bit cheaper investment because it basically tracks the 200 largest companies listed on the ASX. So you will have companies like, you know, Commonwealth and BHP and Woolworths are all the big companies in Australia to give you that diversification. We've then kind of removed some of your other satellite investments and kind of made sure to try to diversify things a little bit further for you as well by introducing about 8% to the Europe market, 5% to Japan, and then eight percent in one that's called your Vanguard or World.\n\nBut this one actually excludes The US because you already have the exposure through The US market in your iShares S and P 500, which you already had in your portfolio. Because that one investment invest in the 500 list largest comps listed in The US. So, again, we don't wanna have overexposure to one market, so we wanna diversify things for you and kind of complement each other. Does that make sense so far? Yeah.\n\nYeah. Perfect. Now, obviously, we wanna still make sure we have your defensive component as well. So we're leaving gold in your portfolio. We're actually increasing allocation to 10%.\n\nYou had 8.97% before. Gold is a really good kind of stabilizer to the portfolio and has done really well as well. So we wanna definitely keep that in your portfolio. We are swapping one of your defensive investments out. He's actually being phased out, which is your bank's hybrid, and we're just swapping that for another fixed interest investment, essentially.\n\nSo not massive changes, just a couple of tweaks through to kinda make sure we have you in the best position moving forward. Now, Matthew, if you would like to go and have a look and research these investment options yourself, When you do have a look at the email, so before you click on the link where it says sign now, you will see a couple of attachments. And one of the attachment is an appendix, and that's basically where the research material and stuff goes as well. And in that appendix, there is investment links through the investments I touched on now as well. So if it is that you wanted to go and read up on them a bit more as well, all the information is there for you.\n\nAny questions so far? None. Yeah. Perfect. Now the other thing I have included there for you is just some general information in regards to the beneficiary forms as well.\n\nIf we wanted to nominate that legal personal representative, just some general information for you on how that all works as well as well as just some general information in regards through setting up a a will and making a nomination as a power of attorney. It is something I always recommend everyone to have a look at. So there's just some general information in regards to that for you as well. And the last thing is just when it comes to the remuneration side, so there is no changes whatsoever in regards to the advice fee. It stays exactly the same at 1.65.\n\nSo if you are happy to go ahead with the recommendation today to make a couple of those investments, which is there is no additional fees or charges at all. It is just all part of that ongoing service for you. Yep. Perfect. Now do you have any questions for me at this point otherwise?\n\nNope. Yeah. Perfect. So, basically, from here is obviously, when you have a moment, have a look through the document. Any questions, just let me know, and we can always book in for another catch up.\n\nOtherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that. And then once you've finished it, it will actually send it back to me. And then that tells me that you're happy with the recommendation, and I can let the team know to go ahead and authorize that change for you. Yep. Perfect.\n\nWell, I will let you go, and enjoy the rest of your afternoon or or work. And if there's anything else that you need, Matthew, at any point in time, you know, don't hesitate to give me a call. No problem at all. Look forward to speaking with you soon again. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":4.7999997,"end":5.44,"sentiment":"neutral","sentiment_score":0.2477879375219345},{"text":"This is Matthew speaking.","start":5.44,"end":6.66,"sentiment":"neutral","sentiment_score":0.10279371216893196},{"text":"This is Veronica from ICU Financial.","start":8.4,"end":10.5,"sentiment":"neutral","sentiment_score":0.112216600527366},{"text":"How are you?","start":10.639999,"end":11.46,"sentiment":"neutral","sentiment_score":0.12379163006941478},{"text":"That's good.","start":13.455,"end":14.3550005,"sentiment":"positive","sentiment_score":0.7396707534790039}],"sentiment":"neutral","sentiment_score":0.20180980729706147,"num_words":17,"start":4.7999997,"end":14.3550005},{"sentences":[{"text":"I just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments.","start":14.975,"end":21.695,"sentiment":"positive","sentiment_score":0.39978863685219374},{"text":"Is now still a good time?","start":21.695,"end":23.075,"sentiment":"neutral","sentiment_score":0.2527907316883405},{"text":"Yeah.","start":24.43,"end":24.93,"sentiment":"neutral","sentiment_score":0.2891576886177063},{"text":"Great.","start":24.99,"end":25.390001,"sentiment":"positive","sentiment_score":0.6221156120300293},{"text":"Perfect.","start":25.390001,"end":25.890001,"sentiment":"positive","sentiment_score":0.4552297294139862}],"sentiment":"positive","sentiment_score":0.3799316837555832,"num_words":36,"start":14.975,"end":25.890001},{"sentences":[{"text":"Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":26.67,"end":33.65,"sentiment":"neutral","sentiment_score":0.05005660331968603},{"text":"Perfect.","start":35.31,"end":35.81,"sentiment":"neutral","sentiment_score":0.2012864053249359},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":35.870003,"end":42.695,"sentiment":"neutral","sentiment_score":0.06546822935342789},{"text":"Yep.","start":51.730003,"end":52.210003,"sentiment":"neutral","sentiment_score":0.12765608727931976},{"text":"Perfect.","start":52.210003,"end":52.530003,"sentiment":"positive","sentiment_score":0.4423130452632904}],"sentiment":"neutral","sentiment_score":0.06767363788495803,"num_words":58,"start":26.67,"end":52.530003},{"sentences":[{"text":"That's exactly what I have here.","start":52.530003,"end":54.13,"sentiment":"positive","sentiment_score":0.5060308575630188},{"text":"How's your day been so far?","start":54.13,"end":55.49,"sentiment":"neutral","sentiment_score":0.16115879515806833},{"text":"Been busy?","start":55.49,"end":56.31,"sentiment":"neutral","sentiment_score":-0.015146980062127113},{"text":"Oh, yeah.","start":59.89,"end":60.550003,"sentiment":"neutral","sentiment_score":0.09297792986035347},{"text":"Well, I will try not to keep you for too long.","start":60.77,"end":64.31,"sentiment":"neutral","sentiment_score":0.038497487252408806}],"sentiment":"neutral","sentiment_score":0.16971378428516565,"num_words":27,"start":52.530003,"end":64.31},{"sentences":[{"text":"Now as you are driving, I have sent you an email with the documents.","start":64.37,"end":68.604996,"sentiment":"neutral","sentiment_score":0.1468304917216301},{"text":"But if you're happy for me to kind of go through it, briefly with you on the phone, it is fairly straightforward.","start":68.604996,"end":74.465,"sentiment":"neutral","sentiment_score":0.3294054114005782},{"text":"And then when it's obviously safe for you to do so and when you have a moment later, have a look through it.","start":74.845,"end":79.81,"sentiment":"neutral","sentiment_score":0.19938639583794968},{"text":"And if you don't have any other questions, you can give me a callback.","start":79.81,"end":82.29,"sentiment":"neutral","sentiment_score":0.08171034710747856},{"text":"Is that okay?","start":82.29,"end":83.19,"sentiment":"neutral","sentiment_score":0.08156666407982509}],"sentiment":"neutral","sentiment_score":0.20101418277542843,"num_words":76,"start":64.37,"end":83.19},{"sentences":[{"text":"Yeah.","start":83.97,"end":84.37,"sentiment":"neutral","sentiment_score":0.09570953249931335},{"text":"Great.","start":84.37,"end":84.77,"sentiment":"positive","sentiment_score":0.4912645220756531},{"text":"Perfect.","start":84.77,"end":85.27,"sentiment":"positive","sentiment_score":0.5018560290336609},{"text":"Now after kind of the research and everything on your super, I have made a recommendation for you.","start":86.93,"end":92.95,"sentiment":"neutral","sentiment_score":0.31732267803615993},{"text":"Because we are making a recommendation and doing personalized financial advice, I do have to put everything in this statement of advice.","start":93.115005,"end":100.575005,"sentiment":"neutral","sentiment_score":0.2510117854584347}],"sentiment":"neutral","sentiment_score":0.2865790132173272,"num_words":43,"start":83.97,"end":100.575005},{"sentences":[{"text":"So a lot of it is just for for compliant purposes, but it's also to make sure that you fully understand everything.","start":100.795,"end":106.095,"sentiment":"neutral","sentiment_score":0.20479523525996643},{"text":"Now I will try to just summarize that and make the most important point for you.","start":106.950005,"end":111.53,"sentiment":"neutral","sentiment_score":0.2998293535783887},{"text":"Now on the cover page, when you do have access to the emails, you will see that this is tailored specifically for you.","start":113.11,"end":119.37,"sentiment":"neutral","sentiment_score":0.13608306970285333},{"text":"You will have my authorized representative number listed there, and I am licensed under OPU Financial.","start":119.655,"end":125.595,"sentiment":"neutral","sentiment_score":0.11774651380255818},{"text":"Now every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty.","start":126.455,"end":136.64,"sentiment":"neutral","sentiment_score":0.09652350350682225}],"sentiment":"neutral","sentiment_score":0.16208835957305773,"num_words":105,"start":100.795,"end":136.64},{"sentences":[{"text":"Have you heard of that before?","start":137.02,"end":138.32,"sentiment":"neutral","sentiment_score":0.016665073422094185},{"text":"No.","start":140.06,"end":140.56,"sentiment":"neutral","sentiment_score":-0.27790457010269165},{"text":"Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":140.62,"end":150.895,"sentiment":"neutral","sentiment_score":-0.10113160886934826},{"text":"Otherwise, we can't actually make the recommendation.","start":151.275,"end":153.615,"sentiment":"negative","sentiment_score":-0.41223953451429096},{"text":"And if I don't act in your best interest, then I will lose my license.","start":154.55501,"end":158.815,"sentiment":"negative","sentiment_score":-0.5961868683497111}],"sentiment":"neutral","sentiment_score":-0.24290625323192216,"num_words":64,"start":137.02,"end":158.815},{"sentences":[{"text":"And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start":158.875,"end":164.815,"sentiment":"negative","sentiment_score":-0.6229767609726299},{"text":"So there's a lot in place to to protect you, essentially.","start":165.14,"end":168.52,"sentiment":"neutral","sentiment_score":-0.04406255212697116},{"text":"Yep.","start":170.02,"end":170.34,"sentiment":"neutral","sentiment_score":0.07888492196798325},{"text":"All makes sense so far?","start":170.34,"end":171.64,"sentiment":"neutral","sentiment_score":0.1196588397026062},{"text":"Yeah.","start":172.58,"end":173.06,"sentiment":"neutral","sentiment_score":0.2808326184749603}],"sentiment":"neutral","sentiment_score":-0.33080412689596417,"num_words":40,"start":158.875,"end":173.06},{"sentences":[{"text":"Perfect.","start":173.06,"end":173.56,"sentiment":"positive","sentiment_score":0.5465670228004456},{"text":"Now it is pretty straightforward today.","start":173.94,"end":175.78,"sentiment":"positive","sentiment_score":0.5253618756930033},{"text":"Like I said, it is just in regards to your superannuation, focusing on reviewing your superannuation and trying to maximize that growth for you.","start":175.78,"end":186.495,"sentiment":"positive","sentiment_score":0.46489885201056796},{"text":"We're not making any changes in regards to insurances or any other areas.","start":186.635,"end":191.135,"sentiment":"neutral","sentiment_score":0.011299724189134745},{"text":"If it is anything that you do wanna revisit down the track, you can just let us know, and we can always look at that.","start":191.19499,"end":197.0,"sentiment":"neutral","sentiment_score":0.13848876118659972}],"sentiment":"neutral","sentiment_score":0.26761487201936,"num_words":69,"start":173.06,"end":197.0},{"sentences":[{"text":"But, otherwise, essentially, today, it is literally just your superannuation.","start":197.0,"end":200.22,"sentiment":"neutral","sentiment_score":0.08086173087358475},{"text":"When you do have a look through the document, you will see some some personal information in regards to yourself as well.","start":202.28,"end":207.9,"sentiment":"neutral","sentiment_score":0.16099680655381896},{"text":"Just have a bit of a read over it just to make sure everything is up to date.","start":207.995,"end":212.17499,"sentiment":"neutral","sentiment_score":0.1483029243018892},{"text":"Otherwise, to kind of summarize the recommendation on your super, page 13, when you have a moment later, it shows you the recommendation outlined in a bit of a table to show you the update.","start":213.355,"end":227.25,"sentiment":"neutral","sentiment_score":0.15721524166209358},{"text":"So I did a lot of research on Hub 24 for you just to make sure if Hub 24 was still the best option for you or if there was any other options that was competitive for you.","start":227.25,"end":240.66501,"sentiment":"neutral","sentiment_score":0.11591008050661337}],"sentiment":"neutral","sentiment_score":0.1376188309575484,"num_words":123,"start":197.0,"end":240.66501},{"sentences":[{"text":"And at the moment, I have recommended that you stay in Hub twenty four.","start":241.045,"end":244.96501,"sentiment":"neutral","sentiment_score":0.20154654447521483},{"text":"It is still very competitive with prices, features, and investment choices.","start":244.96501,"end":250.265,"sentiment":"neutral","sentiment_score":0.3289972719821063},{"text":"And I use Hub twenty four for my personal super as well, and it does give you a lot of a lot of flexibility, and it is quite affordable price wise when we are looking at competitive options.","start":251.68999,"end":261.61,"sentiment":"positive","sentiment_score":0.4711212296234934},{"text":"Can so I can kinda facilitate the same thing.","start":261.61,"end":264.03,"sentiment":"neutral","sentiment_score":0.3077753202782737},{"text":"So I've recommended that you stay in Hub 24 for now and literally just changing some of your investments.","start":264.25,"end":270.745,"sentiment":"positive","sentiment_score":0.3487004629875484}],"sentiment":"positive","sentiment_score":0.3707529123012836,"num_words":91,"start":241.045,"end":270.745},{"sentences":[{"text":"Now I did make a a research as well on the SMA.","start":271.36502,"end":274.98502,"sentiment":"neutral","sentiment_score":0.13415019338329634},{"text":"Do you remember kind of talking about that briefly last time?","start":275.045,"end":278.665,"sentiment":"neutral","sentiment_score":0.049098208885301246},{"text":"Yep.","start":279.37,"end":279.87,"sentiment":"neutral","sentiment_score":-0.027351049706339836},{"text":"And I have not recommended the SMA today.","start":280.57,"end":283.47,"sentiment":"neutral","sentiment_score":-0.31644404120743275},{"text":"So the reason being is that when I did the research on your account, the SMA actually showed that it was a little bit higher fees than what I have recommended for you.","start":283.61002,"end":292.875,"sentiment":"neutral","sentiment_score":-0.2851494306867773}],"sentiment":"neutral","sentiment_score":-0.15106079959525512,"num_words":65,"start":271.36502,"end":292.875},{"sentences":[{"text":"It it wasn't as good performance as well right now, and you also had to pay a higher amount of capital gains tax by going into it.","start":294.075,"end":303.615,"sentiment":"negative","sentiment_score":-0.3904922196158656},{"text":"So, therefore, I couldn't really recommend the SMA for you right now based on your current situation when there was another option that was more suitable for you.","start":304.235,"end":314.5,"sentiment":"negative","sentiment_score":-0.34824162615197046},{"text":"That's not to say that, you know, things might not change, and as the SMA potentially change or your situation change is something we can always reassess.","start":314.63998,"end":322.195,"sentiment":"neutral","sentiment_score":-0.13351985894971424},{"text":"But, again, it kind of comes back to your goals and making sure that we put you in the best position possible.","start":322.975,"end":327.95502,"sentiment":"neutral","sentiment_score":0.22669910910454663},{"text":"Does that make sense?","start":328.17502,"end":329.23502,"sentiment":"neutral","sentiment_score":0.11158068478107452}],"sentiment":"neutral","sentiment_score":-0.17097581957501393,"num_words":108,"start":294.075,"end":329.23502},{"sentences":[{"text":"Yep.","start":330.415,"end":330.815,"sentiment":"neutral","sentiment_score":0.29397809505462646},{"text":"Great.","start":330.815,"end":331.14,"sentiment":"positive","sentiment_score":0.7386122941970825},{"text":"Perfect.","start":331.30002,"end":331.62003,"sentiment":"positive","sentiment_score":0.7204574346542358},{"text":"So, basically, what I have recommended is just to make a couple of tweaks and changes to your investments to try to improve your position.","start":331.62003,"end":338.84003,"sentiment":"positive","sentiment_score":0.45184345960617067},{"text":"So we're not making any changes to your growth risk profile.","start":338.90002,"end":342.76,"sentiment":"neutral","sentiment_score":0.10805122283372012}],"sentiment":"positive","sentiment_score":0.3650691734674649,"num_words":39,"start":330.415,"end":342.76},{"sentences":[{"text":"We are keeping it exactly the same, so not an additional risk or anything like that.","start":343.14,"end":348.41498,"sentiment":"neutral","sentiment_score":0.219953756313771},{"text":"Still keeping you within that eighty twenty allocation in terms of your risk allocation.","start":348.41498,"end":354.435,"sentiment":"positive","sentiment_score":0.40659213598285404},{"text":"So literally just changing some of your investments.","start":354.57498,"end":357.07498,"sentiment":"positive","sentiment_score":0.4830486699938774},{"text":"So it is pretty straightforward.","start":357.13498,"end":358.595,"sentiment":"positive","sentiment_score":0.6333115100860596},{"text":"Now by making the changes through your investments, it's actually reducing the fees a little bit for you, which is nice.","start":359.61002,"end":366.75,"sentiment":"positive","sentiment_score":0.720339678582691}],"sentiment":"positive","sentiment_score":0.49015047133434564,"num_words":64,"start":343.14,"end":366.75},{"sentences":[{"text":"So you are saving about $400 a year in fees alone by just making a couple of those investment changes, which is pretty good.","start":367.21,"end":376.44498,"sentiment":"positive","sentiment_score":0.781949557363987},{"text":"Now when it comes to the returns as well, sorry.","start":377.785,"end":381.22498,"sentiment":"neutral","sentiment_score":0.10179396048188209},{"text":"When I have done the the comparison for you, I have used a three year rolling average to to show the returns on the portfolio as well to give us a little bit more time frame than just, like, a twelve month to give you a bit more, you know, certainty of what's happening in the market.","start":381.22498,"end":397.11002,"sentiment":"neutral","sentiment_score":0.09820109808392692},{"text":"So in your current portfolio, the three year rolling average is about 13.31%.","start":397.65,"end":405.415,"sentiment":"neutral","sentiment_score":0.06810539588332176},{"text":"The new recommended portfolio using the same time frame is a 16.86%.","start":407.155,"end":414.29498,"sentiment":"neutral","sentiment_score":0.26208404699961346}],"sentiment":"neutral","sentiment_score":0.2535566403691111,"num_words":116,"start":367.21,"end":414.29498},{"sentences":[{"text":"So it's about 3.55% better historically than your current portfolio as well as being a bit cheaper, which which is good.","start":415.19,"end":424.09,"sentiment":"positive","sentiment_score":0.5285209126415706},{"text":"Yeah.","start":425.91,"end":426.41,"sentiment":"neutral","sentiment_score":0.27628856897354126},{"text":"Now I have also, for your reference, included a bit longer time frames as well.","start":426.47,"end":427.87308,"sentiment":"neutral","sentiment_score":0.20489580929279327},{"text":"So on your current Recommended is 13.25.","start":427.87308,"end":442.46002,"sentiment":"neutral","sentiment_score":0.107701447393213},{"text":"And I've then also done a five year comparison on the recommended portfolio.","start":443.48,"end":448.86002,"sentiment":"neutral","sentiment_score":0.09687554492400242}],"sentiment":"neutral","sentiment_score":0.28880626472987625,"num_words":57,"start":415.19,"end":448.86002},{"sentences":[{"text":"I couldn't do it on the current because some of the current investment haven't been around for the whole duration.","start":449.40002,"end":455.195,"sentiment":"neutral","sentiment_score":-0.047996924724429846},{"text":"But just for your reference, I have done it on the recommended so that you can see that.","start":455.655,"end":459.835,"sentiment":"neutral","sentiment_score":0.06865174820025761},{"text":"Yep.","start":461.335,"end":461.735,"sentiment":"neutral","sentiment_score":0.3289334774017334},{"text":"Perfect.","start":461.735,"end":462.235,"sentiment":"positive","sentiment_score":0.5559593439102173},{"text":"Basically, when we factor in the fees the fee reduction and the increase in the return, when we are looking at about a five year difference, assuming, obviously, everything kind of stays the same otherwise, it will make a bit of a difference of about 60,000 a $189 because it all compounds, and I thought that was a pretty good outcome for you.","start":463.175,"end":485.96503,"sentiment":"neutral","sentiment_score":0.28340188543947914}],"sentiment":"neutral","sentiment_score":0.18461169492344834,"num_words":103,"start":449.40002,"end":485.96503},{"sentences":[{"text":"Yeah.","start":488.02502,"end":488.52502,"sentiment":"neutral","sentiment_score":0.1598471850156784},{"text":"Now I do wanna let you know that with the recommendation, there are always advantages, risks, and disadvantages to be mindful of.","start":488.825,"end":496.77,"sentiment":"neutral","sentiment_score":-0.035434454594823445},{"text":"So I kind of touched on most of their advantages in regards to, you know, the fees and their performance and everything.","start":497.41,"end":503.03,"sentiment":"neutral","sentiment_score":0.007377674464475025},{"text":"One of the disadvantage I do wanna make sure that you are aware is that every time we sell investments, if they have gone up, there will be capital gains tax on the earnings.","start":503.97,"end":515.425,"sentiment":"neutral","sentiment_score":-0.22764562223764026},{"text":"So I've tried to minimize that as much as possible for you by still making a couple of changes.","start":516.125,"end":522.625,"sentiment":"neutral","sentiment_score":-0.04095330383432539}],"sentiment":"neutral","sentiment_score":-0.09158638680391774,"num_words":98,"start":488.02502,"end":522.625},{"sentences":[{"text":"So the capital gains tax, it is estimated because it does change, obviously, with the market, but it will be roughly $1,004 that would that would come out of your super for the tax.","start":523.565,"end":538.91,"sentiment":"neutral","sentiment_score":-0.04139908145674888},{"text":"That would just be straight away, just like a a one off, the paid the tax that would come out by making the change.","start":543.015,"end":550.555,"sentiment":"neutral","sentiment_score":-0.017903087350229423},{"text":"Yep.","start":552.55,"end":553.05,"sentiment":"neutral","sentiment_score":0.1057751402258873},{"text":"Now if we were to look at making the change to the SMA, for example, or another super fund, the capital gains tax would be about 2,982 or a lot higher.","start":553.43,"end":567.185,"sentiment":"neutral","sentiment_score":0.05386097741223151},{"text":"So I obviously try to minimize that for you as much as possible while still trying to obviously improve the situation for you.","start":567.185,"end":574.72504,"sentiment":"neutral","sentiment_score":0.29390263233495795}],"sentiment":"neutral","sentiment_score":0.059274186882956895,"num_words":113,"start":523.565,"end":574.72504},{"sentences":[{"text":"Yep.","start":576.22504,"end":576.54504,"sentiment":"neutral","sentiment_score":0.20264804363250732},{"text":"Now you obviously don't have to pay for that yourself.","start":576.54504,"end":579.025,"sentiment":"neutral","sentiment_score":0.14433826580643655},{"text":"It's just tax that's automatically deducted from your super, but I do wanna let you know as well so that you are aware.","start":579.025,"end":584.71,"sentiment":"neutral","sentiment_score":0.18849898939547333},{"text":"Yep.","start":586.29004,"end":586.69,"sentiment":"positive","sentiment_score":0.3837481439113617},{"text":"Perfect.","start":586.69,"end":587.19,"sentiment":"positive","sentiment_score":0.5760699510574341}],"sentiment":"neutral","sentiment_score":0.19281459868782097,"num_words":36,"start":576.22504,"end":587.19},{"sentences":[{"text":"Now, obviously, some risks to be mindful of as well is that there's always a level of risk associated with any investment option.","start":588.69,"end":595.83,"sentiment":"neutral","sentiment_score":-0.06515782520822856},{"text":"You can't guarantee what's going to happen because you never know with the market sometimes as as well.","start":596.185,"end":601.72504,"sentiment":"neutral","sentiment_score":-0.10491615906357765},{"text":"But that is why we do use a longer time frame as well when we are using, a comparison and doing that for you.","start":602.025,"end":608.88,"sentiment":"neutral","sentiment_score":0.1008708953546981},{"text":"Because when we are looking at your your three and five year time frame, that gives us a bit more certainty of what's happened both in the world and the market as well.","start":609.04,"end":617.86,"sentiment":"neutral","sentiment_score":0.13955499638210644},{"text":"Does that all make sense so far, Matthew?","start":619.68,"end":621.46,"sentiment":"neutral","sentiment_score":0.10622100904583931}],"sentiment":"neutral","sentiment_score":0.04234776979769176,"num_words":106,"start":588.69,"end":621.46},{"sentences":[{"text":"Yep.","start":623.005,"end":623.48505,"sentiment":"neutral","sentiment_score":0.1320744901895523},{"text":"Yep.","start":623.48505,"end":623.805,"sentiment":"neutral","sentiment_score":0.2173691689968109},{"text":"Great.","start":623.805,"end":624.125,"sentiment":"positive","sentiment_score":0.6898770332336426},{"text":"Perfect.","start":624.125,"end":624.625,"sentiment":"positive","sentiment_score":0.6534143686294556},{"text":"Now in terms of the actual investment changes, that is outlined on page 16 for you when you have a moment.","start":625.085,"end":632.145,"sentiment":"neutral","sentiment_score":0.24761331720011576}],"sentiment":"neutral","sentiment_score":0.2757045888900757,"num_words":25,"start":623.005,"end":632.145},{"sentences":[{"text":"So you will see an investment table that outlines this.","start":632.445,"end":636.24,"sentiment":"neutral","sentiment_score":0.18183742389082908},{"text":"So you will have all the investments, and then you will also have one column where it says buy and sell.","start":636.24,"end":642.33997,"sentiment":"neutral","sentiment_score":0.16343725614604496},{"text":"Now everything in red is what we are selling, and then what's black is what we are buying or keeping in your investment.","start":643.27997,"end":650.5,"sentiment":"neutral","sentiment_score":0.09886179313711498},{"text":"So when you have a look at it, it probably makes a bit more sense.","start":651.09503,"end":654.61505,"sentiment":"neutral","sentiment_score":0.21891830414533614},{"text":"So it's not a drastic change, really.","start":654.61505,"end":657.03503,"sentiment":"neutral","sentiment_score":0.15712350606918335}],"sentiment":"neutral","sentiment_score":0.15668443374727903,"num_words":76,"start":632.445,"end":657.03503},{"sentences":[{"text":"It is just making a couple of tweaks in order to try to improve that.","start":657.17505,"end":661.35504,"sentiment":"neutral","sentiment_score":0.19895504557838042},{"text":"So the biggest thing is removing that Ben along Australian So I'm not sure if you kind of remember me talking about that a little bit last time.","start":661.575,"end":669.94,"sentiment":"neutral","sentiment_score":-0.05100752283552928},{"text":"Yep.","start":670.32,"end":670.82,"sentiment":"neutral","sentiment_score":0.07409422099590302},{"text":"So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred.","start":671.04004,"end":678.58,"sentiment":"neutral","sentiment_score":0.12046744184274423},{"text":"So we still obviously wanna make sure you have some exposure to the Australian market.","start":679.005,"end":683.085,"sentiment":"neutral","sentiment_score":0.1817028045654297}],"sentiment":"neutral","sentiment_score":0.08518759908679968,"num_words":78,"start":657.17505,"end":683.085},{"sentences":[{"text":"We don't want everything in in, like, The US.","start":683.085,"end":685.565,"sentiment":"neutral","sentiment_score":-0.010598456487059593},{"text":"So, anyway, we wanna make sure it's very diversified for you.","start":685.565,"end":688.705,"sentiment":"neutral","sentiment_score":0.22944353249940005},{"text":"But this one here is a little bit cheaper investment because it basically tracks the 200 largest companies listed on the ASX.","start":689.005,"end":697.22003,"sentiment":"neutral","sentiment_score":0.3096899010918357},{"text":"So you will have companies like, you know, Commonwealth and BHP and Woolworths are all the big companies in Australia to give you that diversification.","start":697.76,"end":705.14,"sentiment":"neutral","sentiment_score":0.33076069235801697},{"text":"We've then kind of removed some of your other satellite investments and kind of made sure to try to diversify things a little bit further for you as well by introducing about 8% to the Europe market, 5% to Japan, and then eight percent in one that's called your Vanguard or World.","start":707.615,"end":730.36,"sentiment":"neutral","sentiment_score":0.1684589728426475}],"sentiment":"neutral","sentiment_score":0.22076096193191885,"num_words":119,"start":683.085,"end":730.36},{"sentences":[{"text":"But this one actually excludes The US because you already have the exposure through The US market in your iShares S and P 500, which you already had in your portfolio.","start":730.875,"end":741.855,"sentiment":"neutral","sentiment_score":-0.0012308482321039323},{"text":"Because that one investment invest in the 500 list largest comps listed in The US.","start":742.47504,"end":748.25,"sentiment":"neutral","sentiment_score":0.04764939745267232},{"text":"So, again, we don't wanna have overexposure to one market, so we wanna diversify things for you and kind of complement each other.","start":748.47003,"end":756.405,"sentiment":"neutral","sentiment_score":0.1688444870321647},{"text":"Does that make sense so far?","start":756.565,"end":758.18506,"sentiment":"neutral","sentiment_score":0.13424244398872057},{"text":"Yeah.","start":759.445,"end":759.765,"sentiment":"neutral","sentiment_score":0.21623647212982175}],"sentiment":"neutral","sentiment_score":0.07344340795258943,"num_words":76,"start":730.875,"end":759.765},{"sentences":[{"text":"Yeah.","start":759.765,"end":760.085,"sentiment":"neutral","sentiment_score":0.331015944480896},{"text":"Perfect.","start":760.085,"end":760.585,"sentiment":"positive","sentiment_score":0.4617279767990112},{"text":"Now, obviously, we wanna still make sure we have your defensive component as well.","start":761.28503,"end":766.16504,"sentiment":"neutral","sentiment_score":0.2630817283477102},{"text":"So we're leaving gold in your portfolio.","start":766.16504,"end":768.10504,"sentiment":"neutral","sentiment_score":0.23482474897589004},{"text":"We're actually increasing allocation to 10%.","start":768.16504,"end":771.91,"sentiment":"neutral","sentiment_score":0.245148998995622}],"sentiment":"neutral","sentiment_score":0.2617432881018211,"num_words":29,"start":759.765,"end":771.91},{"sentences":[{"text":"You had 8.97% before.","start":771.91,"end":774.73,"sentiment":"neutral","sentiment_score":0.19782055541872978},{"text":"Gold is a really good kind of stabilizer to the portfolio and has done really well as well.","start":775.67,"end":780.87,"sentiment":"positive","sentiment_score":0.4345704068740209},{"text":"So we wanna definitely keep that in your portfolio.","start":780.87,"end":783.61,"sentiment":"positive","sentiment_score":0.3889328870508406},{"text":"We are swapping one of your defensive investments out.","start":784.455,"end":788.29504,"sentiment":"neutral","sentiment_score":0.1976178917619917},{"text":"He's actually being phased out, which is your bank's hybrid, and we're just swapping that for another fixed interest investment, essentially.","start":788.29504,"end":795.755,"sentiment":"neutral","sentiment_score":0.19850701164631618}],"sentiment":"neutral","sentiment_score":0.29608448851303976,"num_words":61,"start":771.91,"end":795.755},{"sentences":[{"text":"So not massive changes, just a couple of tweaks through to kinda make sure we have you in the best position moving forward.","start":795.97504,"end":803.8,"sentiment":"positive","sentiment_score":0.43381903352944745},{"text":"Now, Matthew, if you would like to go and have a look and research these investment options yourself, When you do have a look at the email, so before you click on the link where it says sign now, you will see a couple of attachments.","start":806.98,"end":820.055,"sentiment":"neutral","sentiment_score":0.09223933785181979},{"text":"And one of the attachment is an appendix, and that's basically where the research material and stuff goes as well.","start":820.995,"end":827.28,"sentiment":"neutral","sentiment_score":0.10965506993234157},{"text":"And in that appendix, there is investment links through the investments I touched on now as well.","start":828.0,"end":833.2,"sentiment":"neutral","sentiment_score":0.11866297003100901},{"text":"So if it is that you wanted to go and read up on them a bit more as well, all the information is there for you.","start":833.2,"end":839.22003,"sentiment":"neutral","sentiment_score":0.17275052403028196}],"sentiment":"neutral","sentiment_score":0.17365706686607815,"num_words":132,"start":795.97504,"end":839.22003},{"sentences":[{"text":"Any questions so far?","start":840.255,"end":841.635,"sentiment":"neutral","sentiment_score":0.04777843039482832},{"text":"None.","start":843.535,"end":843.935,"sentiment":"neutral","sentiment_score":0.1348838359117508},{"text":"Yeah.","start":843.935,"end":844.415,"sentiment":"positive","sentiment_score":0.397044837474823},{"text":"Perfect.","start":844.415,"end":844.915,"sentiment":"positive","sentiment_score":0.6110254526138306},{"text":"Now the other thing I have included there for you is just some general information in regards to the beneficiary forms as well.","start":846.255,"end":854.01,"sentiment":"neutral","sentiment_score":0.29672907292842865}],"sentiment":"neutral","sentiment_score":0.2719612174977859,"num_words":30,"start":840.255,"end":854.01},{"sentences":[{"text":"If we wanted to nominate that legal personal representative, just some general information for you on how that all works as well as well as just some general information in regards through setting up a a will and making a nomination as a power of attorney.","start":854.09,"end":870.785,"sentiment":"neutral","sentiment_score":0.30613658188477805},{"text":"It is something I always recommend everyone to have a look at.","start":870.785,"end":873.845,"sentiment":"positive","sentiment_score":0.4728983516494433},{"text":"So there's just some general information in regards to that for you as well.","start":873.90497,"end":878.325,"sentiment":"positive","sentiment_score":0.33515475051743643},{"text":"And the last thing is just when it comes to the remuneration side, so there is no changes whatsoever in regards to the advice fee.","start":880.46497,"end":888.91,"sentiment":"neutral","sentiment_score":0.25733261346817016},{"text":"It stays exactly the same at 1.65.","start":888.97,"end":892.26996,"sentiment":"positive","sentiment_score":0.4177768273012979}],"sentiment":"neutral","sentiment_score":0.3250671405918323,"num_words":104,"start":854.09,"end":892.26996},{"sentences":[{"text":"So if you are happy to go ahead with the recommendation today to make a couple of those investments, which is there is no additional fees or charges at all.","start":892.64996,"end":901.105,"sentiment":"positive","sentiment_score":0.5282927051186561},{"text":"It is just all part of that ongoing service for you.","start":901.105,"end":903.84503,"sentiment":"positive","sentiment_score":0.5021105787970803},{"text":"Yep.","start":905.105,"end":905.585,"sentiment":"neutral","sentiment_score":0.253415584564209},{"text":"Perfect.","start":905.585,"end":906.085,"sentiment":"positive","sentiment_score":0.4647322297096253},{"text":"Now do you have any questions for me at this point otherwise?","start":906.465,"end":910.645,"sentiment":"neutral","sentiment_score":0.15153706756730875}],"sentiment":"positive","sentiment_score":0.4347016390074383,"num_words":55,"start":892.64996,"end":910.645},{"sentences":[{"text":"Nope.","start":912.96,"end":913.46,"sentiment":"neutral","sentiment_score":0.0005048786988481879},{"text":"Yeah.","start":915.12006,"end":915.52,"sentiment":"neutral","sentiment_score":0.2963671088218689},{"text":"Perfect.","start":915.52,"end":916.02,"sentiment":"positive","sentiment_score":0.4373883306980133},{"text":"So, basically, from here is obviously, when you have a moment, have a look through the document.","start":916.4,"end":921.06006,"sentiment":"neutral","sentiment_score":0.3093830943107605},{"text":"Any questions, just let me know, and we can always book in for another catch up.","start":921.52,"end":925.725,"sentiment":"positive","sentiment_score":0.35277216881513596}],"sentiment":"neutral","sentiment_score":0.32328132284843986,"num_words":36,"start":912.96,"end":925.725},{"sentences":[{"text":"Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that.","start":925.96497,"end":936.285,"sentiment":"positive","sentiment_score":0.49548714914742636},{"text":"And then once you've finished it, it will actually send it back to me.","start":936.285,"end":939.165,"sentiment":"neutral","sentiment_score":0.30341821163892746},{"text":"And then that tells me that you're happy with the recommendation, and I can let the team know to go ahead and authorize that change for you.","start":939.165,"end":945.83,"sentiment":"positive","sentiment_score":0.4906863244595351},{"text":"Yep.","start":946.93,"end":947.43,"sentiment":"positive","sentiment_score":0.3998570442199707},{"text":"Perfect.","start":947.57,"end":948.05,"sentiment":"positive","sentiment_score":0.7404685020446777}],"sentiment":"positive","sentiment_score":0.460821744683501,"num_words":77,"start":925.96497,"end":948.05},{"sentences":[{"text":"Well, I will let you go, and enjoy the rest of your afternoon or or work.","start":948.05,"end":951.89,"sentiment":"positive","sentiment_score":0.6616472005844116},{"text":"And if there's anything else that you need, Matthew, at any point in time, you know, don't hesitate to give me a call.","start":951.89,"end":958.77893,"sentiment":"neutral","sentiment_score":0.2598097615915796},{"text":"No problem at all.","start":960.9389,"end":961.65894,"sentiment":"positive","sentiment_score":0.7439606338739395},{"text":"Look forward to speaking with you soon again.","start":961.65894,"end":963.4389,"sentiment":"positive","sentiment_score":0.7787806689739227},{"text":"Thanks.","start":965.0189,"end":965.5189,"sentiment":"positive","sentiment_score":0.706371009349823}],"sentiment":"positive","sentiment_score":0.5091238196652669,"num_words":52,"start":948.05,"end":965.5189},{"sentences":[{"text":"Bye.","start":965.5789,"end":966.0789,"sentiment":"positive","sentiment_score":0.449923038482666}],"sentiment":"positive","sentiment_score":0.449923038482666,"num_words":1,"start":965.5789,"end":966.0789}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Speaking. Good. Thanks. Good. Yes. Yeah. It's fine. Yes. Yep. Matthew James Cadwell. 02/03/1983, and 630 Millstream Road At Cedar Vale 4285. I'm just on the way to work. Yeah. Yep. Yep. No. Yep. Yep. Yep. Yes. Yep. Yeah. Yeah. Yep. Yes. Yep. Yeah. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. Right. Yeah. That's good. Yeah. Okay. Yeah. It's pretty good. Yep. Is that over the year or something? Is it all? Yeah. Okay. Okay. Yep. Yep. Yeah. Okay. Yep. Yes. Yep. That's fine. Yep. Yeah. Yeah. It's pretty good. Yes. Yes. Yeah. Okay. Yep. Yep. Yes. Yep. Yep. No. No. That's pretty straightforward. Yep. Yep. No. Not really. That's it's all pretty straightforward for now. Yeah. Okay. No worries. Yep. Okay. Thank you very much. Thank you. 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Yes. Speaking. Good. Thanks.\n\nGood. Yes. Yeah. It's fine. Yes.\n\nYep. Matthew James Cadwell. 02/03/1983, and 630 Millstream Road At Cedar Vale 4285. I'm just on the way to work. Yeah.\n\nYep. Yep. No. Yep. Yep.\n\nYep. Yes. Yep. Yeah. Yeah.\n\nYep. Yes. Yep. Yeah. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Right. Yeah.\n\nThat's good. Yeah. Okay. Yeah. It's pretty good.\n\nYep. Is that over the year or something? Is it all? Yeah. Okay.\n\nOkay. Yep. Yep. Yeah. Okay.\n\nYep. Yes. Yep. That's fine. Yep.\n\nYeah. Yeah. It's pretty good. Yes. Yes.\n\nYeah. Okay. Yep. Yep. Yes.\n\nYep. Yep. No. No. That's pretty straightforward.\n\nYep. Yep. No. Not really. That's it's all pretty straightforward for now.\n\nYeah. Okay. No worries. Yep. Okay.\n\nThank you very much. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.032683443278074265},{"text":"Yes.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.08593527972698212},{"text":"Speaking.","start":7.44,"end":7.94,"sentiment":"neutral","sentiment_score":0.06585525721311569},{"text":"Good.","start":11.759999,"end":11.92,"sentiment":"positive","sentiment_score":0.5404554605484009},{"text":"Thanks.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.6392821073532104}],"sentiment":"neutral","sentiment_score":0.27284230962395667,"num_words":5,"start":0.56,"end":12.32},{"sentences":[{"text":"Good.","start":12.32,"end":12.82,"sentiment":"positive","sentiment_score":0.6340309977531433},{"text":"Yes.","start":23.455,"end":23.695,"sentiment":"neutral","sentiment_score":0.11486595869064332},{"text":"Yeah.","start":23.695,"end":23.935,"sentiment":"neutral","sentiment_score":0.1529164761304855},{"text":"It's 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much.","start":959.62,"end":960.48895,"sentiment":"positive","sentiment_score":0.8339812606573105},{"text":"Thank you.","start":963.92896,"end":964.74896,"sentiment":"positive","sentiment_score":0.7745047509670258},{"text":"Bye.","start":966.0889,"end":966.5889,"sentiment":"neutral","sentiment_score":-0.1202702447772026}],"sentiment":"positive","sentiment_score":0.6806663285408702,"num_words":7,"start":959.62,"end":966.5889}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Matthew speaking.\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from ICU Financial. How are you?\n\nChannel 1: Good. Thanks. Good.\n\nChannel 0: That's good. I just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments. Is now still a good time?\n\nChannel 1: Yes. Yeah. It's fine.\n\nChannel 0: Yeah. Great. Perfect. Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Matthew James Cadwell. 02/03/1983, and 630 Millstream Road At Cedar Vale 4285.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been so far? Been busy?\n\nChannel 1: I'm just on the way to work.\n\nChannel 0: Oh, yeah. Well, I will try not to keep you for too long. Now as you are driving, I have sent you an email with the documents. But if you're happy for me to kind of go through it, briefly with you on the phone, it is fairly straightforward. And then when\n\nChannel 1: Yeah.\n\nChannel 0: it's obviously safe for you to do so and when you have a moment later, have a look through it. And if you don't have any other questions, you can give me a callback. Is that okay? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Great. Perfect. Now after kind of the research and everything on your super, I have made a recommendation for you. Because we are making a recommendation and doing personalized financial advice, I do have to put everything in this statement of advice. So a lot of it is just for for compliant purposes, but it's also to make sure that you fully understand everything.\n\nNow I will try to just summarize that and make the most important point for you. Now on the cover page, when you do have access to the emails, you will see that this is tailored specifically for you. You will have my authorized representative number listed there, and I am licensed under OPU Financial. Now\n\nChannel 1: Yep.\n\nChannel 0: every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty. Have you heard of that before?\n\nChannel 1: No.\n\nChannel 0: No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me. So there's a\n\nChannel 1: Yep.\n\nChannel 0: lot in place to to protect you, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Yep. All makes sense so far?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now it is pretty straightforward today. Like I said, it is just in regards to your superannuation, focusing on reviewing your superannuation and trying to maximize that growth for you. We're not making any changes in regards to insurances or any other areas.\n\nIf it is anything that you do wanna revisit down the track, you can just let us know, and we can always look at that. But, otherwise, essentially, today, it is literally just your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: When you do have a look through the document, you will see some some personal information in regards to yourself as well. Just have a bit of a read over it just to make sure everything is up to date. Otherwise, to kind of summarize the recommendation on your super, page 13, when you have a moment later, it shows you the recommendation outlined in a bit of a table to show you the update. So I did a lot of research on Hub 24 for you just to make sure if Hub 24 was still the best option for you or\n\nChannel 1: Yeah.\n\nChannel 0: if there was any other options that was competitive for you. And at the moment, I have recommended that you stay in Hub twenty four. It is still very\n\nChannel 1: Yeah.\n\nChannel 0: competitive with prices, features, and investment choices. And I use Hub twenty four for my personal super as well, and it does give you a lot of a lot of flexibility, and it is quite affordable price wise when we are looking at competitive options. Can so I can kinda facilitate the same thing. So\n\nChannel 1: Yep.\n\nChannel 0: I've recommended that you stay in Hub 24 for now and literally just changing some of your investments. Now I did make a a research as well on the SMA. Do you remember kind of talking about that briefly last time?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. And I have not recommended the SMA today. So the reason being is that when I did the research on your account, the SMA actually showed that it was a little bit higher fees than what I have recommended for you.\n\nChannel 1: Yeah.\n\nChannel 0: It it wasn't as good performance as well right now, and you also had to pay a higher amount of capital gains tax by going into it. So, therefore,\n\nChannel 1: Yep.\n\nChannel 0: I couldn't really recommend the SMA for you right now based on your current situation when there was another option that was more suitable for you. That's not to say\n\nChannel 1: Yep.\n\nChannel 0: that, you know, things might not change, and as the SMA potentially change or your situation change is something we can always reassess. But, again, it kind of comes back to your goals and making sure that we put you in the best position possible. Does that make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Great. Perfect. So, basically, what I have recommended is just to make a couple of tweaks and changes to your investments to try to improve your position. So we're not making any changes to your growth risk profile.\n\nWe are keeping it exactly the same, so not an additional risk or anything like that. Still keeping you within that eighty twenty allocation in terms of your risk allocation. So literally just changing some of your investments. So it is pretty straightforward. Now by making the changes through your investments, it's actually reducing the fees a little bit for you, which is nice.\n\nSo you are saving about $400 a year in fees alone by just making a couple of those investment changes, which is pretty good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now when it comes to the returns as well, sorry. When I have done the the comparison for you, I have used a three year rolling average to to show the returns on the portfolio as well to give us a little bit more time frame than just, like, a twelve month to give you a bit more, you know, certainty of what's happening in\n\nChannel 1: Yep.\n\nChannel 0: the market. So in your current portfolio, the three year rolling average is about 13.31%.\n\nChannel 1: Yep.\n\nChannel 0: The new recommended portfolio using the same time frame is a 16.86%. So\n\nChannel 1: Yeah.\n\nChannel 0: it's about\n\nChannel 1: Right.\n\nChannel 0: 3.55% better historically than your current portfolio as well as being a bit cheaper, which which is good.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: have also, for your reference, included a bit longer time frames as well. So on your current Recommended is 13.25. And I've then also done a five year comparison on the recommended portfolio. I couldn't do it on the current because some of the current investment haven't been around for the whole duration. But just for your reference, I have done it on the recommended so that you can see that.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Perfect. Basically, when we factor in the fees the fee reduction and the increase in the return, when we are looking at about a five year difference, assuming, obviously, everything kind of stays the same otherwise, it will make a bit of a difference of about 60,000 a $189 because it all compounds, and I thought that was a pretty good outcome for you.\n\nChannel 1: Yeah. It's pretty good.\n\nChannel 0: Yeah. Now I do wanna let you know that with the recommendation, there are always advantages, risks, and disadvantages to be mindful of. So I kind of touched on most of their advantages in regards to, you know, the fees and their performance and everything. One of the disadvantage I do wanna make sure that you are aware is that every time we sell investments, if they have gone up, there will be capital gains tax on the earnings. So I've\n\nChannel 1: Yep.\n\nChannel 0: tried to minimize that as much as possible for you by still making a couple of changes. So the capital gains tax, it is estimated because it does change, obviously, with the market, but it will be roughly $1,004 that would that would come out of your super for the tax.\n\nChannel 1: Is that over the year or something? Is it all?\n\nChannel 0: That would just be straight away, just like a a one off, the paid the tax that would come out by making the change.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Now if we were to look at making the change to the SMA, for example, or another super fund, the capital gains tax would be about 2,982 or a lot\n\nChannel 1: Okay.\n\nChannel 0: higher. So I obviously try to minimize that for you as\n\nChannel 1: Yep.\n\nChannel 0: much as\n\nChannel 1: Yep.\n\nChannel 0: possible while still trying to obviously improve the situation for you.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Yep. Now you obviously don't have to pay for that yourself. It's just tax that's automatically deducted from your super, but I do wanna let you know as well so that you are aware.\n\nChannel 1: Yes. Yep. That's fine.\n\nChannel 0: Yep. Perfect. Now, obviously, some risks to be mindful of as well is that there's always a level of risk associated with any investment option. You can't guarantee what's going to happen because you never know with the market sometimes as as well. But that is why we do use a longer time frame as well when we are using, a comparison and doing that for you.\n\nBecause when we are looking at your your three and five year time frame, that gives us a bit more certainty of what's happened both in the world and the market as well.\n\nChannel 1: Yep.\n\nChannel 0: Does that all make sense so far, Matthew?\n\nChannel 1: Yeah. Yeah. It's\n\nChannel 0: Yep. Yep. Great. Perfect. Now in terms of the actual investment changes, that is\n\nChannel 1: pretty\n\nChannel 0: outlined\n\nChannel 1: good.\n\nChannel 0: on page 16 for you when you have a moment. So you will see an investment table that outlines this. So you will have all the investments, and then you will also have one column where it says buy and sell. Now everything in red is what we are selling, and then what's black is what we are buying or keeping in your investment. So when you have\n\nChannel 1: Yes.\n\nChannel 0: a look at it, it probably makes a bit more sense. So it's not a drastic change, really. It is just making a couple of tweaks in order to try to improve that. So the biggest thing is removing that Ben along Australian So I'm not sure if you kind of remember me talking about that\n\nChannel 1: Yes.\n\nChannel 0: a little bit last time. Yep. So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred. So we still obviously wanna make sure you have some exposure to the Australian market. We don't want everything in in, like, The US.\n\nSo, anyway, we wanna make sure it's very diversified for you. But\n\nChannel 1: Yeah.\n\nChannel 0: this one\n\nChannel 1: Okay.\n\nChannel 0: here is a little bit cheaper investment because it basically tracks the 200 largest companies listed on the ASX. So you will have companies like, you know, Commonwealth and BHP and Woolworths are all the big companies in Australia to give you that diversification.\n\nChannel 1: Yep.\n\nChannel 0: We've then kind of removed some of your other satellite investments and kind of made sure to try to diversify things a little bit further for you as well by introducing about 8% to the Europe market, 5% to Japan, and then eight percent in one that's called your Vanguard or World. But this one actually excludes The US because you already have the exposure through The US market in your iShares S and P 500, which you already had in your portfolio. Because\n\nChannel 1: Yep.\n\nChannel 0: that one investment invest in the 500 list largest comps listed in The US. So, again, we don't wanna have overexposure to one market, so we wanna diversify things for you and kind of complement each other. Does that make sense so far?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Yeah. Perfect. Now, obviously, we wanna still make sure we have your defensive component as well. So we're leaving gold in your portfolio.\n\nWe're actually increasing allocation to 10%. You had 8.97% before. Gold is a really good kind of stabilizer to the portfolio and has done really well as well. So we wanna definitely keep that in your portfolio. We are swapping one of your defensive investments out.\n\nHe's actually being phased out, which is your bank's hybrid, and we're just swapping that for another fixed interest investment, essentially. So not massive changes, just a couple of tweaks through to kinda make sure we have you in the best position moving forward. Now, Matthew, if you would like to go and have a look and research these investment options yourself, When you do have a look at the email, so before you click on the link where it says sign now, you will see a couple of attachments. And one of the attachment is an appendix, and that's basically where the research material and stuff goes as well. And in that appendix, there is investment links through the investments I touched on now as well.\n\nSo if it is that you wanted to go and read up on them a bit more as well, all the information is there for you. Any questions so far?\n\nChannel 1: Yep. No. No. That's pretty straightforward.\n\nChannel 0: None. Yeah. Perfect. Now the other thing I have included there for you is just some general information in regards to the beneficiary forms as well. If we wanted to nominate that legal personal representative, just some general information for you on how that all works as well as well as just some general information in regards through setting up a a will and making a nomination as a power of attorney.\n\nIt is something I always recommend everyone to have a look at. So there's just some general information in regards to that for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And the last thing is just when it comes to the remuneration side, so there is no changes whatsoever in regards to the advice fee. It stays exactly the same at 1.65. So if you are happy to go ahead with the recommendation today to make a couple of those investments, which is there is no additional fees or charges at all. It is just all part of that ongoing service for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now do you have any questions for me at this point otherwise?\n\nChannel 1: No. Not really. That's it's\n\nChannel 0: Nope.\n\nChannel 1: all pretty straightforward for now. Yeah.\n\nChannel 0: Yeah. Perfect. So, basically, from here is obviously, when you have a moment, have a look through the document. Any questions, just let me know, and we can always book in for another catch up. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that.\n\nAnd then once you've finished it, it will actually send it back to me. And then that tells me that you're happy with the recommendation, and I can let the team know to go ahead and authorize that change for you.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep. Perfect. Well, I will let you go,\n\nChannel 1: Yep.\n\nChannel 0: and enjoy the rest of your afternoon or or work. And if there's anything else that you need, Matthew, at any point in time, you know, don't hesitate to give me a call.\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: No problem at all. Look forward to speaking with you soon again.\n\nChannel 1: Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.032683443278074265}],"sentiment":"neutral","sentiment_score":0.032683443278074265,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":4.7999997,"end":5.44,"sentiment":"neutral","sentiment_score":0.2477879375219345},{"text":"This is Matthew speaking.","start":5.44,"end":6.66,"sentiment":"neutral","sentiment_score":0.10279371216893196}],"sentiment":"neutral","sentiment_score":0.1511251206199328,"channel":0,"num_words":6,"start":4.7999997,"end":6.66},{"sentences":[{"text":"Yes.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.08593527972698212},{"text":"Speaking.","start":7.44,"end":7.94,"sentiment":"neutral","sentiment_score":0.06585525721311569}],"sentiment":"neutral","sentiment_score":0.0758952684700489,"channel":1,"num_words":2,"start":7.12,"end":7.94},{"sentences":[{"text":"This is Veronica from ICU Financial.","start":8.4,"end":10.5,"sentiment":"neutral","sentiment_score":0.112216600527366},{"text":"How are you?","start":10.639999,"end":11.46,"sentiment":"neutral","sentiment_score":0.12379163006941478}],"sentiment":"neutral","sentiment_score":0.11607494370804892,"channel":0,"num_words":9,"start":8.4,"end":11.46},{"sentences":[{"text":"Good.","start":11.759999,"end":11.92,"sentiment":"positive","sentiment_score":0.5404554605484009},{"text":"Thanks.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.6392821073532104},{"text":"Good.","start":12.32,"end":12.82,"sentiment":"positive","sentiment_score":0.6340309977531433}],"sentiment":"positive","sentiment_score":0.6045895218849182,"channel":1,"num_words":3,"start":11.759999,"end":12.82},{"sentences":[{"text":"That's good.","start":13.455,"end":14.3550005,"sentiment":"positive","sentiment_score":0.7396707534790039},{"text":"I just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments.","start":14.975,"end":21.695,"sentiment":"positive","sentiment_score":0.39978863685219374},{"text":"Is now still a good time?","start":21.695,"end":23.075,"sentiment":"neutral","sentiment_score":0.2527907316883405}],"sentiment":"positive","sentiment_score":0.3940108312027795,"channel":0,"num_words":35,"start":13.455,"end":23.075},{"sentences":[{"text":"Yes.","start":23.455,"end":23.695,"sentiment":"neutral","sentiment_score":0.11486595869064332},{"text":"Yeah.","start":23.695,"end":23.935,"sentiment":"neutral","sentiment_score":0.1529164761304855},{"text":"It's fine.","start":23.935,"end":24.675,"sentiment":"neutral","sentiment_score":0.19552364945411682}],"sentiment":"neutral","sentiment_score":0.16470743343234062,"channel":1,"num_words":4,"start":23.455,"end":24.675},{"sentences":[{"text":"Yeah.","start":24.43,"end":24.93,"sentiment":"neutral","sentiment_score":0.2891576886177063},{"text":"Great.","start":24.99,"end":25.390001,"sentiment":"positive","sentiment_score":0.6221156120300293},{"text":"Perfect.","start":25.390001,"end":25.890001,"sentiment":"positive","sentiment_score":0.4552297294139862},{"text":"Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":26.67,"end":33.65,"sentiment":"neutral","sentiment_score":0.05005660331968603}],"sentiment":"neutral","sentiment_score":0.08806701644789428,"channel":0,"num_words":32,"start":24.43,"end":33.65},{"sentences":[{"text":"Yes.","start":34.25,"end":34.75,"sentiment":"neutral","sentiment_score":0.10650085657835008}],"sentiment":"neutral","sentiment_score":0.10650085657835008,"channel":1,"num_words":1,"start":34.25,"end":34.75},{"sentences":[{"text":"Perfect.","start":35.31,"end":35.81,"sentiment":"neutral","sentiment_score":0.2012864053249359},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":35.870003,"end":42.695,"sentiment":"neutral","sentiment_score":0.06546822935342789}],"sentiment":"neutral","sentiment_score":0.07049853216718745,"channel":0,"num_words":27,"start":35.31,"end":42.695},{"sentences":[{"text":"Yep.","start":42.89,"end":43.39,"sentiment":"neutral","sentiment_score":0.012049498036503792},{"text":"Matthew James Cadwell.","start":43.449997,"end":44.75,"sentiment":"neutral","sentiment_score":0.008400885853916407},{"text":"02/03/1983, and 630 Millstream Road At Cedar Vale 4285.","start":45.135002,"end":51.315002,"sentiment":"neutral","sentiment_score":0.022075862002869446}],"sentiment":"neutral","sentiment_score":0.018148839509544466,"channel":1,"num_words":13,"start":42.89,"end":51.315002},{"sentences":[{"text":"Yep.","start":51.730003,"end":52.210003,"sentiment":"neutral","sentiment_score":0.12765608727931976},{"text":"Perfect.","start":52.210003,"end":52.530003,"sentiment":"positive","sentiment_score":0.4423130452632904},{"text":"That's exactly what I have here.","start":52.530003,"end":54.13,"sentiment":"positive","sentiment_score":0.5060308575630188},{"text":"How's your day been so far?","start":54.13,"end":55.49,"sentiment":"neutral","sentiment_score":0.16115879515806833},{"text":"Been busy?","start":55.49,"end":56.31,"sentiment":"neutral","sentiment_score":-0.015146980062127113}],"sentiment":"neutral","sentiment_score":0.2839258180465549,"channel":0,"num_words":16,"start":51.730003,"end":56.31},{"sentences":[{"text":"I'm just on the way to work.","start":57.695,"end":59.315002,"sentiment":"neutral","sentiment_score":0.044215191687856405}],"sentiment":"neutral","sentiment_score":0.044215191687856405,"channel":1,"num_words":7,"start":57.695,"end":59.315002},{"sentences":[{"text":"Oh, yeah.","start":59.89,"end":60.550003,"sentiment":"neutral","sentiment_score":0.09297792986035347},{"text":"Well, I will try not to keep you for too long.","start":60.77,"end":64.31,"sentiment":"neutral","sentiment_score":0.038497487252408806},{"text":"Now as you are driving, I have sent you an email with the documents.","start":64.37,"end":68.604996,"sentiment":"neutral","sentiment_score":0.1468304917216301},{"text":"But if you're happy for me to kind of go through it, briefly with you on the phone, it is fairly straightforward.","start":68.604996,"end":74.465,"sentiment":"neutral","sentiment_score":0.3294054114005782},{"text":"And then when","start":74.845,"end":75.564995,"sentiment":"neutral","sentiment_score":0.09969383478164673}],"sentiment":"neutral","sentiment_score":0.19636645497610936,"channel":0,"num_words":52,"start":59.89,"end":75.564995},{"sentences":[{"text":"Yeah.","start":75.56,"end":76.06,"sentiment":"neutral","sentiment_score":0.1387704461812973}],"sentiment":"neutral","sentiment_score":0.1387704461812973,"channel":1,"num_words":1,"start":75.56,"end":76.06},{"sentences":[{"text":"it's obviously safe for you to do so and when you have a moment later, have a look through it.","start":75.564995,"end":79.81,"sentiment":"neutral","sentiment_score":0.2143402799963951},{"text":"And if you don't have any other questions, you can give me a callback.","start":79.81,"end":82.29,"sentiment":"neutral","sentiment_score":0.08171034710747856},{"text":"Is that okay?","start":82.29,"end":83.19,"sentiment":"neutral","sentiment_score":0.08156666407982509},{"text":"Yeah.","start":83.97,"end":84.37,"sentiment":"neutral","sentiment_score":0.09570953249931335}],"sentiment":"neutral","sentiment_score":0.15187263116240501,"channel":0,"num_words":38,"start":75.564995,"end":84.37},{"sentences":[{"text":"Yep.","start":83.985,"end":84.485,"sentiment":"neutral","sentiment_score":0.1718180626630783}],"sentiment":"neutral","sentiment_score":0.1718180626630783,"channel":1,"num_words":1,"start":83.985,"end":84.485},{"sentences":[{"text":"Great.","start":84.37,"end":84.77,"sentiment":"positive","sentiment_score":0.4912645220756531},{"text":"Perfect.","start":84.77,"end":85.27,"sentiment":"positive","sentiment_score":0.5018560290336609},{"text":"Now after kind of the research and everything on your super, I have made a recommendation for you.","start":86.93,"end":92.95,"sentiment":"neutral","sentiment_score":0.31732267803615993},{"text":"Because we are making a recommendation and doing personalized financial advice, I do have to put everything in this statement of advice.","start":93.115005,"end":100.575005,"sentiment":"neutral","sentiment_score":0.2510117854584347},{"text":"So a lot of it is just for for compliant purposes, but it's also to make sure that you fully understand everything.","start":100.795,"end":106.095,"sentiment":"neutral","sentiment_score":0.20479523525996643}],"sentiment":"neutral","sentiment_score":0.2614481751807034,"channel":0,"num_words":64,"start":84.37,"end":106.095},{"sentences":[{"text":"Now I will try to just summarize that and make the most important point for you.","start":106.950005,"end":111.53,"sentiment":"neutral","sentiment_score":0.2998293535783887},{"text":"Now on the cover page, when you do have access to the emails, you will see that this is tailored specifically for you.","start":113.11,"end":119.37,"sentiment":"neutral","sentiment_score":0.13608306970285333},{"text":"You will have my authorized representative number listed there, and I am licensed under OPU Financial.","start":119.655,"end":125.595,"sentiment":"neutral","sentiment_score":0.11774651380255818},{"text":"Now","start":126.455,"end":126.955,"sentiment":"neutral","sentiment_score":0.0622129887342453}],"sentiment":"neutral","sentiment_score":0.17630959767848253,"channel":0,"num_words":56,"start":106.950005,"end":126.955},{"sentences":[{"text":"Yep.","start":126.68,"end":127.18,"sentiment":"neutral","sentiment_score":0.016487967222929}],"sentiment":"neutral","sentiment_score":0.016487967222929,"channel":1,"num_words":1,"start":126.68,"end":127.18},{"sentences":[{"text":"every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty.","start":127.015,"end":136.64,"sentiment":"neutral","sentiment_score":0.09779426331321399},{"text":"Have you heard of that before?","start":137.02,"end":138.32,"sentiment":"neutral","sentiment_score":0.016665073422094185}],"sentiment":"neutral","sentiment_score":0.08304350151482856,"channel":0,"num_words":33,"start":127.015,"end":138.32},{"sentences":[{"text":"No.","start":139.095,"end":139.595,"sentiment":"neutral","sentiment_score":-0.2288758009672165}],"sentiment":"neutral","sentiment_score":-0.2288758009672165,"channel":1,"num_words":1,"start":139.095,"end":139.595},{"sentences":[{"text":"No.","start":140.06,"end":140.56,"sentiment":"neutral","sentiment_score":-0.27790457010269165},{"text":"Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":140.62,"end":150.895,"sentiment":"neutral","sentiment_score":-0.10113160886934826},{"text":"Otherwise,","start":151.275,"end":151.755,"sentiment":"neutral","sentiment_score":-0.24391651153564453}],"sentiment":"neutral","sentiment_score":-0.10976830789366283,"channel":0,"num_words":37,"start":140.06,"end":151.755},{"sentences":[{"text":"Yep.","start":151.7,"end":152.2,"sentiment":"neutral","sentiment_score":-0.2677791714668274}],"sentiment":"neutral","sentiment_score":-0.2677791714668274,"channel":1,"num_words":1,"start":151.7,"end":152.2},{"sentences":[{"text":"we can't actually make the recommendation.","start":151.755,"end":153.615,"sentiment":"negative","sentiment_score":-0.4402933716773987},{"text":"And if I don't act in your best interest, then I will lose my license.","start":154.55501,"end":158.815,"sentiment":"negative","sentiment_score":-0.5961868683497111},{"text":"And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start":158.875,"end":164.815,"sentiment":"negative","sentiment_score":-0.6229767609726299},{"text":"So there's a","start":165.14,"end":165.7,"sentiment":"neutral","sentiment_score":-0.1158395583430926}],"sentiment":"negative","sentiment_score":-0.5573384928638521,"channel":0,"num_words":46,"start":151.755,"end":165.7},{"sentences":[{"text":"Yep.","start":165.565,"end":166.065,"sentiment":"neutral","sentiment_score":-0.052493900060653687}],"sentiment":"neutral","sentiment_score":-0.052493900060653687,"channel":1,"num_words":1,"start":165.565,"end":166.065},{"sentences":[{"text":"lot in place to to protect you, 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you.","start":175.78,"end":186.495,"sentiment":"positive","sentiment_score":0.46489885201056796},{"text":"We're not making any changes in regards to insurances or any other areas.","start":186.635,"end":191.135,"sentiment":"neutral","sentiment_score":0.011299724189134745}],"sentiment":"positive","sentiment_score":0.33964532795879576,"channel":0,"num_words":45,"start":172.58,"end":191.135},{"sentences":[{"text":"If it is anything that you do wanna revisit down the track, you can just let us know, and we can always look at that.","start":191.19499,"end":197.0,"sentiment":"neutral","sentiment_score":0.13848876118659972},{"text":"But, otherwise, essentially, today, it is literally just your 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you the recommendation outlined in a bit of a table to show you the update.","start":213.355,"end":227.25,"sentiment":"neutral","sentiment_score":0.15721524166209358},{"text":"So I did a lot of research on Hub 24 for you just to make sure if Hub 24 was still the best option for you or","start":227.25,"end":237.52501,"sentiment":"neutral","sentiment_score":0.11457705111415298}],"sentiment":"neutral","sentiment_score":0.14517153156738655,"channel":0,"num_words":102,"start":202.28,"end":237.52501},{"sentences":[{"text":"Yeah.","start":237.5,"end":238.0,"sentiment":"neutral","sentiment_score":0.07513809204101562}],"sentiment":"neutral","sentiment_score":0.07513809204101562,"channel":1,"num_words":1,"start":237.5,"end":238.0},{"sentences":[{"text":"if there was any other options that was competitive for you.","start":237.52501,"end":240.66501,"sentiment":"neutral","sentiment_score":0.11918206174265254},{"text":"And at the moment, I have recommended that you stay in Hub twenty 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options.","start":251.68999,"end":261.61,"sentiment":"positive","sentiment_score":0.4711212296234934},{"text":"Can so I can kinda facilitate the same thing.","start":261.61,"end":264.03,"sentiment":"neutral","sentiment_score":0.3077753202782737},{"text":"So","start":264.25,"end":264.75,"sentiment":"neutral","sentiment_score":0.24840636551380155}],"sentiment":"positive","sentiment_score":0.42836842157623983,"channel":0,"num_words":55,"start":246.005,"end":264.75},{"sentences":[{"text":"Yep.","start":264.87,"end":265.37,"sentiment":"neutral","sentiment_score":0.24800774455070496}],"sentiment":"neutral","sentiment_score":0.24800774455070496,"channel":1,"num_words":1,"start":264.87,"end":265.37},{"sentences":[{"text":"I've recommended that you stay in Hub 24 for now and literally just changing some of your investments.","start":264.965,"end":270.745,"sentiment":"positive","sentiment_score":0.35427235729164547},{"text":"Now I did make a a research as well on the SMA.","start":271.36502,"end":274.98502,"sentiment":"neutral","sentiment_score":0.13415019338329634},{"text":"Do you remember kind of talking about that briefly last time?","start":275.045,"end":278.665,"sentiment":"neutral","sentiment_score":0.049098208885301246}],"sentiment":"neutral","sentiment_score":0.20797036706310948,"channel":0,"num_words":41,"start":264.965,"end":278.665},{"sentences":[{"text":"Yes.","start":278.625,"end":279.125,"sentiment":"neutral","sentiment_score":0.004877968691289425},{"text":"Yep.","start":279.26498,"end":279.76498,"sentiment":"neutral","sentiment_score":0.001708130119368434}],"sentiment":"neutral","sentiment_score":0.0032930494053289294,"channel":1,"num_words":2,"start":278.625,"end":279.76498},{"sentences":[{"text":"Yep.","start":279.37,"end":279.87,"sentiment":"neutral","sentiment_score":-0.027351049706339836},{"text":"And I have not recommended the SMA 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moment.","start":629.48505,"end":632.145,"sentiment":"neutral","sentiment_score":0.1717134326696396},{"text":"So you will see an investment table that outlines this.","start":632.445,"end":636.24,"sentiment":"neutral","sentiment_score":0.18183742389082908},{"text":"So you will have all the investments, and then you will also have one column where it says buy and sell.","start":636.24,"end":642.33997,"sentiment":"neutral","sentiment_score":0.16343725614604496},{"text":"Now everything in red is what we are selling, and then what's black is what we are buying or keeping in your investment.","start":643.27997,"end":650.5,"sentiment":"neutral","sentiment_score":0.09886179313711498},{"text":"So when you have","start":651.09503,"end":651.815,"sentiment":"neutral","sentiment_score":0.09573820047080517}],"sentiment":"neutral","sentiment_score":0.14153624983394847,"channel":0,"num_words":68,"start":629.48505,"end":651.815},{"sentences":[{"text":"Yes.","start":651.80505,"end":652.30505,"sentiment":"neutral","sentiment_score":0.14793965220451355}],"sentiment":"neutral","sentiment_score":0.14793965220451355,"channel":1,"num_words":1,"start":651.80505,"end":652.30505},{"sentences":[{"text":"a look at it, it probably makes a bit more sense.","start":651.815,"end":654.61505,"sentiment":"neutral","sentiment_score":0.2637110691178929},{"text":"So it's not a drastic change, really.","start":654.61505,"end":657.03503,"sentiment":"neutral","sentiment_score":0.15712350606918335},{"text":"It is just making a couple of tweaks in order to try to improve that.","start":657.17505,"end":661.35504,"sentiment":"neutral","sentiment_score":0.19895504557838042},{"text":"So the biggest thing is removing that Ben along Australian So I'm not sure if you kind of remember me talking about that","start":661.575,"end":667.96,"sentiment":"neutral","sentiment_score":-0.056903329151480095}],"sentiment":"neutral","sentiment_score":0.10136134671379946,"channel":0,"num_words":56,"start":651.815,"end":667.96},{"sentences":[{"text":"Yes.","start":667.86,"end":668.36,"sentiment":"neutral","sentiment_score":-0.03809581324458122}],"sentiment":"neutral","sentiment_score":-0.03809581324458122,"channel":1,"num_words":1,"start":667.86,"end":668.36},{"sentences":[{"text":"a little bit last time.","start":667.96,"end":669.94,"sentiment":"neutral","sentiment_score":-0.023886813782155514},{"text":"Yep.","start":670.32,"end":670.82,"sentiment":"neutral","sentiment_score":0.07409422099590302},{"text":"So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two 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you.","start":685.565,"end":688.705,"sentiment":"neutral","sentiment_score":0.22944353249940005},{"text":"But","start":689.005,"end":689.245,"sentiment":"neutral","sentiment_score":0.13827475905418396}],"sentiment":"neutral","sentiment_score":0.22184613471229872,"channel":0,"num_words":12,"start":685.565,"end":689.245},{"sentences":[{"text":"Yeah.","start":689.235,"end":689.475,"sentiment":"neutral","sentiment_score":0.17825660109519958}],"sentiment":"neutral","sentiment_score":0.17825660109519958,"channel":1,"num_words":1,"start":689.235,"end":689.475},{"sentences":[{"text":"this one","start":689.245,"end":689.72504,"sentiment":"neutral","sentiment_score":0.17936939001083374}],"sentiment":"neutral","sentiment_score":0.17936939001083374,"channel":0,"num_words":2,"start":689.245,"end":689.72504},{"sentences":[{"text":"Okay.","start":689.475,"end":689.975,"sentiment":"neutral","sentiment_score":0.2808440327644348}],"sentiment":"neutral","sentiment_score":0.2808440327644348,"channel":1,"num_words":1,"start":689.475,"end":689.975},{"sentences":[{"text":"here is a little bit cheaper investment because it basically tracks the 200 largest companies listed on the ASX.","start":689.72504,"end":697.22003,"sentiment":"neutral","sentiment_score":0.33242969920760707},{"text":"So you will have companies like, you know, Commonwealth and BHP and Woolworths are all the big companies in Australia to give you that diversification.","start":697.76,"end":705.14,"sentiment":"neutral","sentiment_score":0.33076069235801697}],"sentiment":"neutral","sentiment_score":0.3314813998612491,"channel":0,"num_words":44,"start":689.72504,"end":705.14},{"sentences":[{"text":"Yep.","start":706.465,"end":706.965,"sentiment":"neutral","sentiment_score":0.23162385821342468}],"sentiment":"neutral","sentiment_score":0.23162385821342468,"channel":1,"num_words":1,"start":706.465,"end":706.965},{"sentences":[{"text":"We've then kind of removed some of your other satellite investments and kind of made sure to try to diversify things a little bit further for you as well by introducing about 8% to the Europe market, 5% to Japan, and then eight percent in one that's called your Vanguard or World.","start":707.615,"end":730.36,"sentiment":"neutral","sentiment_score":0.1684589728426475},{"text":"But this one actually excludes The US because you already have the exposure through The US market in your iShares S and P 500, which you already had in your portfolio.","start":730.875,"end":741.855,"sentiment":"neutral","sentiment_score":-0.0012308482321039323},{"text":"Because","start":742.47504,"end":742.795,"sentiment":"neutral","sentiment_score":0.05587315186858177}],"sentiment":"neutral","sentiment_score":0.10449504100584558,"channel":0,"num_words":84,"start":707.615,"end":742.795},{"sentences":[{"text":"Yep.","start":742.71497,"end":743.21497,"sentiment":"neutral","sentiment_score":0.07098827511072159}],"sentiment":"neutral","sentiment_score":0.07098827511072159,"channel":1,"num_words":1,"start":742.71497,"end":743.21497},{"sentences":[{"text":"that one investment invest in the 500 list largest comps listed in The US.","start":742.795,"end":748.25,"sentiment":"neutral","sentiment_score":0.047061986422964504},{"text":"So, again, we don't wanna have overexposure to one market, so we wanna diversify things for you and kind of complement each other.","start":748.47003,"end":756.405,"sentiment":"neutral","sentiment_score":0.1688444870321647},{"text":"Does that make sense so 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well.","start":761.28503,"end":766.16504,"sentiment":"neutral","sentiment_score":0.2630817283477102},{"text":"So we're leaving gold in your portfolio.","start":766.16504,"end":768.10504,"sentiment":"neutral","sentiment_score":0.23482474897589004}],"sentiment":"neutral","sentiment_score":0.26399574304620427,"channel":0,"num_words":24,"start":759.445,"end":768.10504},{"sentences":[{"text":"We're actually increasing allocation to 10%.","start":768.16504,"end":771.91,"sentiment":"neutral","sentiment_score":0.245148998995622},{"text":"You had 8.97% before.","start":771.91,"end":774.73,"sentiment":"neutral","sentiment_score":0.19782055541872978},{"text":"Gold is a really good kind of stabilizer to the portfolio and has done really well as well.","start":775.67,"end":780.87,"sentiment":"positive","sentiment_score":0.4345704068740209},{"text":"So we wanna definitely keep that in your portfolio.","start":780.87,"end":783.61,"sentiment":"positive","sentiment_score":0.3889328870508406},{"text":"We are swapping one of your defensive investments out.","start":784.455,"end":788.29504,"sentiment":"neutral","sentiment_score":0.1976178917619917}],"sentiment":"positive","sentiment_score":0.3339869684499243,"channel":0,"num_words":46,"start":768.16504,"end":788.29504},{"sentences":[{"text":"He's actually being phased out, which is your bank's hybrid, and we're just swapping that for another fixed interest investment, essentially.","start":788.29504,"end":795.755,"sentiment":"neutral","sentiment_score":0.19850701164631618},{"text":"So not massive changes, just a couple of tweaks through to kinda make sure we have you in the best position moving forward.","start":795.97504,"end":803.8,"sentiment":"positive","sentiment_score":0.43381903352944745},{"text":"Now, Matthew, if you would like to go and have a look and research these investment options yourself, When you do have a look at the email, so before you click on the link where it says sign now, you will see a couple of attachments.","start":806.98,"end":820.055,"sentiment":"neutral","sentiment_score":0.09223933785181979},{"text":"And one of the attachment is an appendix, and that's basically where the research material and stuff goes as well.","start":820.995,"end":827.28,"sentiment":"neutral","sentiment_score":0.10965506993234157},{"text":"And in that appendix, there is investment links through the investments I touched on now as well.","start":828.0,"end":833.2,"sentiment":"neutral","sentiment_score":0.11866297003100901}],"sentiment":"neutral","sentiment_score":0.17795170430006005,"channel":0,"num_words":127,"start":788.29504,"end":833.2},{"sentences":[{"text":"So if it is that you wanted to go and read up on them a bit more as well, all the information is there for you.","start":833.2,"end":839.22003,"sentiment":"neutral","sentiment_score":0.17275052403028196},{"text":"Any questions so far?","start":840.255,"end":841.635,"sentiment":"neutral","sentiment_score":0.04777843039482832}],"sentiment":"neutral","sentiment_score":0.15608757821222147,"channel":0,"num_words":30,"start":833.2,"end":841.635},{"sentences":[{"text":"Yep.","start":841.69995,"end":842.01996,"sentiment":"neutral","sentiment_score":0.11368538439273834},{"text":"No.","start":842.01996,"end":842.25995,"sentiment":"neutral","sentiment_score":0.051220525056123734},{"text":"No.","start":842.25995,"end":842.5,"sentiment":"neutral","sentiment_score":0.07959543913602829},{"text":"That's pretty straightforward.","start":842.5,"end":843.48,"sentiment":"neutral","sentiment_score":0.16183671106894812}],"sentiment":"neutral","sentiment_score":0.12166858029862244,"channel":1,"num_words":6,"start":841.69995,"end":843.48},{"sentences":[{"text":"None.","start":843.535,"end":843.935,"sentiment":"neutral","sentiment_score":0.1348838359117508},{"text":"Yeah.","start":843.935,"end":844.415,"sentiment":"positive","sentiment_score":0.397044837474823},{"text":"Perfect.","start":844.415,"end":844.915,"sentiment":"positive","sentiment_score":0.6110254526138306},{"text":"Now the other thing I have included there for you is just some general information in regards to the beneficiary forms as well.","start":846.255,"end":854.01,"sentiment":"neutral","sentiment_score":0.29672907292842865},{"text":"If we wanted to nominate that legal personal representative, just some general information for you on how that all works as well as well as just some general information in regards through setting up a a will and making a nomination as a power of attorney.","start":854.09,"end":870.785,"sentiment":"neutral","sentiment_score":0.30613658188477805}],"sentiment":"neutral","sentiment_score":0.3062500773618619,"channel":0,"num_words":72,"start":843.535,"end":870.785},{"sentences":[{"text":"It is something I always recommend everyone to have a look at.","start":870.785,"end":873.845,"sentiment":"positive","sentiment_score":0.4728983516494433},{"text":"So there's just some general information in regards to that for you as 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charges at all.","start":892.64996,"end":901.105,"sentiment":"positive","sentiment_score":0.5282927051186561},{"text":"It is just all part of that ongoing service for you.","start":901.105,"end":903.84503,"sentiment":"positive","sentiment_score":0.5021105787970803}],"sentiment":"positive","sentiment_score":0.42095548833069735,"channel":0,"num_words":73,"start":880.46497,"end":903.84503},{"sentences":[{"text":"Yep.","start":904.445,"end":904.945,"sentiment":"neutral","sentiment_score":0.1926132440567017}],"sentiment":"neutral","sentiment_score":0.1926132440567017,"channel":1,"num_words":1,"start":904.445,"end":904.945},{"sentences":[{"text":"Yep.","start":905.105,"end":905.585,"sentiment":"neutral","sentiment_score":0.253415584564209},{"text":"Perfect.","start":905.585,"end":906.085,"sentiment":"positive","sentiment_score":0.4647322297096253},{"text":"Now do you have any questions for me at this point otherwise?","start":906.465,"end":910.645,"sentiment":"neutral","sentiment_score":0.15153706756730875}],"sentiment":"neutral","sentiment_score":0.1811851875058242,"channel":0,"num_words":14,"start":905.105,"end":910.645},{"sentences":[{"text":"No.","start":911.805,"end":912.125,"sentiment":"neutral","sentiment_score":-0.05374712124466896},{"text":"Not really.","start":912.125,"end":912.685,"sentiment":"neutral","sentiment_score":-0.03821328654885292},{"text":"That's it's","start":912.685,"end":913.16504,"sentiment":"neutral","sentiment_score":0.007677717716433108}],"sentiment":"neutral","sentiment_score":-0.02296365178190172,"channel":1,"num_words":5,"start":911.805,"end":913.16504},{"sentences":[{"text":"Nope.","start":912.96,"end":913.46,"sentiment":"neutral","sentiment_score":0.0005048786988481879}],"sentiment":"neutral","sentiment_score":0.0005048786988481879,"channel":0,"num_words":1,"start":912.96,"end":913.46},{"sentences":[{"text":"all pretty straightforward for now.","start":913.16504,"end":914.525,"sentiment":"neutral","sentiment_score":0.1345120519399643},{"text":"Yeah.","start":914.525,"end":915.025,"sentiment":"neutral","sentiment_score":0.18201489746570587}],"sentiment":"neutral","sentiment_score":0.14242919286092123,"channel":1,"num_words":6,"start":913.16504,"end":915.025},{"sentences":[{"text":"Yeah.","start":915.12006,"end":915.52,"sentiment":"neutral","sentiment_score":0.2963671088218689},{"text":"Perfect.","start":915.52,"end":916.02,"sentiment":"positive","sentiment_score":0.4373883306980133},{"text":"So, basically, from here is obviously, when you have a moment, have a look through the document.","start":916.4,"end":921.06006,"sentiment":"neutral","sentiment_score":0.3093830943107605},{"text":"Any questions, just let me know, and we can always book in for another catch up.","start":921.52,"end":925.725,"sentiment":"positive","sentiment_score":0.35277216881513596},{"text":"Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that.","start":925.96497,"end":936.285,"sentiment":"positive","sentiment_score":0.49548714914742636}],"sentiment":"positive","sentiment_score":0.4128142871718476,"channel":0,"num_words":69,"start":915.12006,"end":936.285},{"sentences":[{"text":"And then once you've finished it, it will actually send it back to me.","start":936.285,"end":939.165,"sentiment":"neutral","sentiment_score":0.30341821163892746},{"text":"And then that tells me that you're happy with the recommendation, and I can let the team know to go ahead and authorize that change for you.","start":939.165,"end":945.83,"sentiment":"positive","sentiment_score":0.4906863244595351}],"sentiment":"positive","sentiment_score":0.4267411152037179,"channel":0,"num_words":41,"start":936.285,"end":945.83},{"sentences":[{"text":"Okay.","start":945.915,"end":946.39496,"sentiment":"neutral","sentiment_score":0.2896130681037903},{"text":"No worries.","start":946.39496,"end":947.135,"sentiment":"positive","sentiment_score":0.34552787244319916}],"sentiment":"neutral","sentiment_score":0.32688960433006287,"channel":1,"num_words":3,"start":945.915,"end":947.135},{"sentences":[{"text":"Yep.","start":946.93,"end":947.43,"sentiment":"positive","sentiment_score":0.3998570442199707},{"text":"Perfect.","start":947.57,"end":948.05,"sentiment":"positive","sentiment_score":0.7404685020446777},{"text":"Well, I will let you go,","start":948.05,"end":949.33,"sentiment":"positive","sentiment_score":0.6397001842657725}],"sentiment":"positive","sentiment_score":0.6223158314824104,"channel":0,"num_words":8,"start":946.93,"end":949.33},{"sentences":[{"text":"Yep.","start":949.22,"end":949.72,"sentiment":"positive","sentiment_score":0.432578444480896}],"sentiment":"positive","sentiment_score":0.432578444480896,"channel":1,"num_words":1,"start":949.22,"end":949.72},{"sentences":[{"text":"and enjoy the rest of your afternoon or or work.","start":949.33,"end":951.89,"sentiment":"positive","sentiment_score":0.6748154103755951},{"text":"And if there's anything else that you need, Matthew, at any point in time, you know, don't hesitate to give me a call.","start":951.89,"end":958.77893,"sentiment":"neutral","sentiment_score":0.2598097615915796}],"sentiment":"positive","sentiment_score":0.38556904910188733,"channel":0,"num_words":33,"start":949.33,"end":958.77893},{"sentences":[{"text":"Okay.","start":959.22,"end":959.62,"sentiment":"positive","sentiment_score":0.4761692881584167},{"text":"Thank you very much.","start":959.62,"end":960.48895,"sentiment":"positive","sentiment_score":0.8339812606573105}],"sentiment":"positive","sentiment_score":0.7624188661575317,"channel":1,"num_words":5,"start":959.22,"end":960.48895},{"sentences":[{"text":"No problem at all.","start":960.9389,"end":961.65894,"sentiment":"positive","sentiment_score":0.7439606338739395},{"text":"Look forward to speaking with you soon again.","start":961.65894,"end":963.4389,"sentiment":"positive","sentiment_score":0.7787806689739227}],"sentiment":"positive","sentiment_score":0.7671739906072617,"channel":0,"num_words":12,"start":960.9389,"end":963.4389},{"sentences":[{"text":"Thank you.","start":963.92896,"end":964.74896,"sentiment":"positive","sentiment_score":0.7745047509670258}],"sentiment":"positive","sentiment_score":0.7745047509670258,"channel":1,"num_words":2,"start":963.92896,"end":964.74896},{"sentences":[{"text":"Thanks.","start":965.0189,"end":965.5189,"sentiment":"positive","sentiment_score":0.706371009349823},{"text":"Bye.","start":965.5789,"end":966.0789,"sentiment":"positive","sentiment_score":0.449923038482666}],"sentiment":"positive","sentiment_score":0.5781470239162445,"channel":0,"num_words":2,"start":965.0189,"end":966.0789},{"sentences":[{"text":"Bye.","start":966.0889,"end":966.5889,"sentiment":"neutral","sentiment_score":-0.1202702447772026}],"sentiment":"neutral","sentiment_score":-0.1202702447772026,"channel":1,"num_words":1,"start":966.0889,"end":966.5889}]},"summary":{"result":"success","short":"Representatives from ICU Financial and Hub 24 both offer personalized financial advice to customers, emphasizing the importance of reviewing growth risk profiles and maximizing growth for her. The program provides personalized recommendations for investment options, including risk allocation and changes to investment plans. The agent suggests reducing fees and increasing returns, swapping out a portfolio, and diversifying investments with gold and fixed interest investments. The agent emphasizes the importance of minimizing risk and warns customers of potential risks in the market. The agent also provides general information about beneficiary forms and advises the customer to complete recommendations process."},"intents":{"segments":[{"text":"I just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments. Is now still a good time?","start_word":23,"end_word":55,"intents":[{"intent":"Schedule a check-up","confidence_score":0.00008434981}]},{"text":"every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty.","start_word":370,"end_word":396,"intents":[{"intent":"Make a recommendation","confidence_score":0.15763484}]},{"text":"every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty. Have you heard of that before?","start_word":370,"end_word":402,"intents":[{"intent":"Ensure a good interest duty","confidence_score":0.0033043663}]},{"text":"So there's a Yep. lot in place to to protect you, essentially. Yep.","start_word":484,"end_word":496,"intents":[{"intent":"Ensure a person is protected","confidence_score":0.00017411231}]},{"text":"Like I said, it is just in regards to your superannuation, focusing on reviewing your superannuation and trying to maximize that growth for you.","start_word":512,"end_word":535,"intents":[{"intent":"Review superannuation","confidence_score":0.41893744}]},{"text":"And at the moment, I have recommended that you stay in Hub twenty four. It is still very Yeah.","start_word":699,"end_word":717,"intents":[{"intent":"Recommend staying hub twenty four","confidence_score":0.000009601235}]},{"text":"competitive with prices, features, and investment choices. And I use Hub twenty four for my personal super as well, and it does give you a lot of a lot of flexibility, and it is quite affordable price wise when we are looking at competitive options.","start_word":718,"end_word":762,"intents":[{"intent":"Provide a competitive price","confidence_score":0.18498707}]},{"text":"I've recommended that you stay in Hub 24 for now and literally just changing some of your investments.","start_word":774,"end_word":791,"intents":[{"intent":"Promote investments","confidence_score":0.008183483}]},{"text":"So in your current portfolio, the three year rolling average is about 13.31%. Yep. The new recommended portfolio using the same time frame is a 16.86%. So Yeah. it's about Right. 3.55% better historically than your current portfolio as well as being a bit cheaper, which which is good. Yeah. Yeah.","start_word":1169,"end_word":1219,"intents":[{"intent":"Confirm portfolio investment","confidence_score":0.0000295104}]},{"text":"Now if we were to look at making the change to the SMA, for example, or another super fund, the capital gains tax would be about 2,982 or a lot Okay. higher.","start_word":1536,"end_word":1567,"intents":[{"intent":"Assess capital gains tax deductions","confidence_score":0.00004979615}]},{"text":"So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred.","start_word":1895,"end_word":1913,"intents":[{"intent":"Discuss portfolio rotation","confidence_score":0.0023247395},{"intent":"Discuss portfolio shift","confidence_score":0.00086936034}]},{"text":"So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred. So we still obviously wanna make sure you have some exposure to the Australian market. We don't want everything in in, like, The US. So, anyway, we wanna make sure it's very diversified for you. But Yeah.","start_word":1895,"end_word":1950,"intents":[{"intent":"Discuss diversification","confidence_score":0.0075676413},{"intent":"Discuss diversification","confidence_score":0.21457747}]},{"text":"We're actually increasing allocation to 10%. You had 8.97% before.","start_word":2153,"end_word":2162,"intents":[{"intent":"Discuss gold allocation","confidence_score":0.12724175}]},{"text":"So if it is that you wanted to go and read up on them a bit more as well, all the information is there for you. Any questions so far?","start_word":2326,"end_word":2355,"intents":[{"intent":"Provide information","confidence_score":0.11382412}]},{"text":"So, basically, from here is obviously, when you have a moment, have a look through the document. Any questions, just let me know, and we can always book in for another catch up. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that. And then once you've finished it, it will actually send it back to me.","start_word":2563,"end_word":2643,"intents":[{"intent":"Book appointment","confidence_score":0.10083681}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Matthew speaking. Yes. Speaking. This is Veronica from ICU Financial. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.11493972688913344},{"text":"Good. Thanks. Good. That's good. I just had you booked in for a quick catch up really just to kind of go through the research I did on your super annual investments.","start_word":18,"end_word":49,"sentiment":"positive","sentiment_score":0.46990546584129333},{"text":"Is now still a good time? Yes. Yeah. It's fine. Yeah.","start_word":50,"end_word":60,"sentiment":"neutral","sentiment_score":0.2204326838254929},{"text":"Great. Perfect.","start_word":61,"end_word":62,"sentiment":"positive","sentiment_score":0.538672685623169},{"text":"Now just before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Matthew James Cadwell. 02/03/1983, and 630 Millstream Road At Cedar Vale 4285. Yep.","start_word":63,"end_word":133,"sentiment":"neutral","sentiment_score":0.05390062555670738},{"text":"Perfect. That's exactly what I have here.","start_word":134,"end_word":140,"sentiment":"positive","sentiment_score":0.483017235994339},{"text":"How's your day been so far? Been busy? I'm just on the way to work. Oh, yeah. Well, I will try not to keep you for too long. Now as you are driving, I have sent you an email with the documents. But if you're happy for me to kind of go through it, briefly with you on the phone, it is fairly straightforward. And then when Yeah. it's obviously safe for you to do so and when you have a moment later, have a look through it. And if you don't have any other questions, you can give me a callback. Is that okay? Yeah. Yep.","start_word":141,"end_word":247,"sentiment":"neutral","sentiment_score":0.15629418194293976},{"text":"Great. Perfect.","start_word":248,"end_word":249,"sentiment":"positive","sentiment_score":0.496560275554657},{"text":"Now after kind of the research and everything on your super, I have made a recommendation for you. Because we are making a recommendation and doing personalized financial advice, I do have to put everything in this statement of advice. So a lot of it is just for for compliant purposes, but it's also to make sure that you fully understand everything. Now I will try to just summarize that and make the most important point for you. Now on the cover page, when you do have access to the emails, you will see that this is tailored specifically for you. You will have my authorized representative number listed there, and I am licensed under OPU Financial. Now Yep. every time we do make a recommendation for you as well and every time in all our dealings, we have to act by the best interest duty. Have you heard of that before? No. No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, Yep.","start_word":250,"end_word":440,"sentiment":"neutral","sentiment_score":0.11784593729760634},{"text":"we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start_word":441,"end_word":483,"sentiment":"negative","sentiment_score":-0.5773097276687622},{"text":"So there's a Yep. lot in place to to protect you, essentially. Yep. Yep. All makes sense so far? Yes. Yeah.","start_word":484,"end_word":504,"sentiment":"neutral","sentiment_score":0.02397547103464603},{"text":"Perfect. Now it is pretty straightforward today. Like I said, it is just in regards to your superannuation, focusing on reviewing your superannuation and trying to maximize that growth for you.","start_word":505,"end_word":535,"sentiment":"positive","sentiment_score":0.4739224016666413},{"text":"We're not making any changes in regards to insurances or any other areas. If it is anything that you do wanna revisit down the track, you can just let us know, and we can always look at that. But, otherwise, essentially, today, it is literally just your superannuation. Yep. When you do have a look through the document, you will see some some personal information in regards to yourself as well. Just have a bit of a read over it just to make sure everything is up to date. Otherwise, to kind of summarize the recommendation on your super, page 13, when you have a moment later, it shows you the recommendation outlined in a bit of a table to show you the update. So I did a lot of research on Hub 24 for you just to make sure if Hub 24 was still the best option for you or Yeah. if there was any other options that was competitive for you. And at the moment, I have recommended that you stay in Hub twenty four. It is still very Yeah.","start_word":536,"end_word":717,"sentiment":"neutral","sentiment_score":0.13441231846809387},{"text":"competitive with prices, features, and investment choices. And I use Hub twenty four for my personal super as well, and it does give you a lot of a lot of flexibility, and it is quite affordable price wise when we are looking at competitive options.","start_word":718,"end_word":762,"sentiment":"positive","sentiment_score":0.4557980298995972},{"text":"Can so I can kinda facilitate the same thing. So Yep.","start_word":763,"end_word":773,"sentiment":"neutral","sentiment_score":0.2963186502456665},{"text":"I've recommended that you stay in Hub 24 for now and literally just changing some of your investments.","start_word":774,"end_word":791,"sentiment":"positive","sentiment_score":0.3485910892486572},{"text":"Now I did make a a research as well on the SMA. Do you remember kind of talking about that briefly last time? Yes. Yep. Yep. And I have not recommended the SMA today. So the reason being is that when I did the research on your account, the SMA actually showed that it was a little bit higher fees than what I have recommended for you. Yeah.","start_word":792,"end_word":859,"sentiment":"neutral","sentiment_score":-0.13620078563690186},{"text":"It it wasn't as good performance as well right now, and you also had to pay a higher amount of capital gains tax by going into it.","start_word":860,"end_word":886,"sentiment":"negative","sentiment_score":-0.38827645778656006},{"text":"So, therefore, Yep.","start_word":887,"end_word":889,"sentiment":"neutral","sentiment_score":-0.11612555384635924},{"text":"I couldn't really recommend the SMA for you right now based on your current situation when there was another option that was more suitable for you.","start_word":890,"end_word":915,"sentiment":"negative","sentiment_score":-0.3814731538295746},{"text":"That's not to say Yep. that, you know, things might not change, and as the SMA potentially change or your situation change is something we can always reassess. But, again, it kind of comes back to your goals and making sure that we put you in the best position possible. Does that make sense? Yes. Yep. Yep.","start_word":916,"end_word":972,"sentiment":"neutral","sentiment_score":0.0281885489821434},{"text":"Great. Perfect. So, basically, what I have recommended is just to make a couple of tweaks and changes to your investments to try to improve your position.","start_word":973,"end_word":999,"sentiment":"positive","sentiment_score":0.4904344379901886},{"text":"So we're not making any changes to your growth risk profile. We are keeping it exactly the same, so not an additional risk or anything like that.","start_word":1000,"end_word":1026,"sentiment":"neutral","sentiment_score":0.19054780900478363},{"text":"Still keeping you within that eighty twenty allocation in terms of your risk allocation. So literally just changing some of your investments. So it is pretty straightforward. Now by making the changes through your investments, it's actually reducing the fees a little bit for you, which is nice. So you are saving about $400 a year in fees alone by just making a couple of those investment changes, which is pretty good.","start_word":1027,"end_word":1098,"sentiment":"positive","sentiment_score":0.6478811502456665},{"text":"Yep. Yep. Now when it comes to the returns as well, sorry. When I have done the the comparison for you, I have used a three year rolling average to to show the returns on the portfolio as well to give us a little bit more time frame than just, like, a twelve month to give you a bit more, you know, certainty of what's happening in the Yep. market. So in your current portfolio, the three year rolling average is about 13.31%. Yep. The new recommended portfolio using the same time frame is a 16.86%. So Yeah. it's about Right.","start_word":1099,"end_word":1199,"sentiment":"neutral","sentiment_score":0.13467436571522515},{"text":"3.55% better historically than your current portfolio as well as being a bit cheaper, which which is good.","start_word":1200,"end_word":1217,"sentiment":"positive","sentiment_score":0.5716933608055115},{"text":"Yeah. Yeah.","start_word":1218,"end_word":1219,"sentiment":"neutral","sentiment_score":0.27196204662323},{"text":"Now That's I good.","start_word":1220,"end_word":1223,"sentiment":"positive","sentiment_score":0.4557642340660095},{"text":"have also, for your reference, included a bit longer time frames as well. So on your current Recommended is 13.25. And I've then also done a five year comparison on the recommended portfolio. I couldn't do it on the current because some of the current investment haven't been around for the whole duration. But just for your reference, I have done it on the recommended so that you can see that. Yeah. Okay. Yep.","start_word":1224,"end_word":1297,"sentiment":"neutral","sentiment_score":0.07611146569252014},{"text":"Perfect.","start_word":1298,"end_word":1298,"sentiment":"positive","sentiment_score":0.5559593439102173},{"text":"Basically, when we factor in the fees the fee reduction and the increase in the return, when we are looking at about a five year difference, assuming, obviously, everything kind of stays the same otherwise, it will make a bit of a difference of about 60,000 a $189 because it all compounds, and I thought that was a pretty good outcome for you.","start_word":1299,"end_word":1361,"sentiment":"neutral","sentiment_score":0.28038010001182556},{"text":"Yeah. It's pretty good.","start_word":1362,"end_word":1365,"sentiment":"positive","sentiment_score":0.4316529333591461},{"text":"Yeah. Now I do wanna let you know that with the recommendation, there are always advantages, risks, and disadvantages to be mindful of. So I kind of touched on most of their advantages in regards to, you know, the fees and their performance and everything. One of the disadvantage I do wanna make sure that you are aware is that every time we sell investments, if they have gone up, there will be capital gains tax on the earnings. So I've Yep. tried to minimize that as much as possible for you by still making a couple of changes. So the capital gains tax, it is estimated because it does change, obviously, with the market, but it will be roughly $1,004 that would that would come out of your super for the tax. Is that over the year or something? Is it all? That would just be straight away, just like a a one off, the paid the tax that would come out by making the change. Yeah. Okay. Yep. Now if we were to look at making the change to the SMA, for example, or another super fund, the capital gains tax would be about 2,982 or a lot Okay. higher. So I obviously try to minimize that for you as Yep. much as Yep.","start_word":1366,"end_word":1581,"sentiment":"neutral","sentiment_score":-0.026394098427974515},{"text":"possible while still trying to obviously improve the situation for you.","start_word":1582,"end_word":1592,"sentiment":"positive","sentiment_score":0.35686391592025757},{"text":"Yeah. Okay. Yep. Yep. Now you obviously don't have to pay for that yourself. It's just tax that's automatically deducted from your super, but I do wanna let you know as well so that you are aware. Yes. Yep.","start_word":1593,"end_word":1631,"sentiment":"neutral","sentiment_score":0.1780790537595749},{"text":"That's fine. Yep. Perfect.","start_word":1632,"end_word":1635,"sentiment":"positive","sentiment_score":0.4067395627498626},{"text":"Now, obviously, some risks to be mindful of as well is that there's always a level of risk associated with any investment option. You can't guarantee what's going to happen because you never know with the market sometimes as as well. But that is why we do use a longer time frame as well when we are using, a comparison and doing that for you. Because when we are looking at your your three and five year time frame, that gives us a bit more certainty of what's happened both in the world and the market as well. Yep. Does that all make sense so far, Matthew? Yeah. Yeah. It's Yep. Yep.","start_word":1636,"end_word":1747,"sentiment":"neutral","sentiment_score":0.05140519514679909},{"text":"Great. Perfect.","start_word":1748,"end_word":1749,"sentiment":"positive","sentiment_score":0.6716457009315491},{"text":"Now in terms of the actual investment changes, that is pretty outlined good. on page 16 for you when you have a moment. So you will see an investment table that outlines this. So you will have all the investments, and then you will also have one column where it says buy and sell. Now everything in red is what we are selling, and then what's black is what we are buying or keeping in your investment. So when you have Yes. a look at it, it probably makes a bit more sense. So it's not a drastic change, really. It is just making a couple of tweaks in order to try to improve that. So the biggest thing is removing that Ben along Australian So I'm not sure if you kind of remember me talking about that Yes. a little bit last time. Yep. So we have swapped that one out, and instead, we've introduced one that's called the BetaShares Australia two hundred. So we still obviously wanna make sure you have some exposure to the Australian market. We don't want everything in in, like, The US. So, anyway, we wanna make sure it's very diversified for you. But Yeah. this one Okay. here is a little bit cheaper investment because it basically tracks the 200 largest companies listed on the ASX. So you will have companies like, you know, Commonwealth and BHP and Woolworths are all the big companies in Australia to give you that diversification. Yep. We've then kind of removed some of your other satellite investments and kind of made sure to try to diversify things a little bit further for you as well by introducing about 8% to the Europe market, 5% to Japan, and then eight percent in one that's called your Vanguard or World. But this one actually excludes The US because you already have the exposure through The US market in your iShares S and P 500, which you already had in your portfolio. Because Yep. that one investment invest in the 500 list largest comps listed in The US. So, again, we don't wanna have overexposure to one market, so we wanna diversify things for you and kind of complement each other. Does that make sense so far? Yes. Yep. Yeah. Yeah.","start_word":1750,"end_word":2130,"sentiment":"neutral","sentiment_score":0.15282213339811862},{"text":"Perfect.","start_word":2131,"end_word":2131,"sentiment":"positive","sentiment_score":0.4617279767990112},{"text":"Now, obviously, we wanna still make sure we have your defensive component as well. So we're leaving gold in your portfolio. We're actually increasing allocation to 10%. You had 8.97% before.","start_word":2132,"end_word":2162,"sentiment":"neutral","sentiment_score":0.2428480088710785},{"text":"Gold is a really good kind of stabilizer to the portfolio and has done really well as well. So we wanna definitely keep that in your portfolio.","start_word":2163,"end_word":2189,"sentiment":"positive","sentiment_score":0.4178672730922699},{"text":"We are swapping one of your defensive investments out. He's actually being phased out, which is your bank's hybrid, and we're just swapping that for another fixed interest investment, essentially.","start_word":2190,"end_word":2219,"sentiment":"neutral","sentiment_score":0.20013347268104553},{"text":"So not massive changes, just a couple of tweaks through to kinda make sure we have you in the best position moving forward.","start_word":2220,"end_word":2242,"sentiment":"positive","sentiment_score":0.4392785429954529},{"text":"Now, Matthew, if you would like to go and have a look and research these investment options yourself, When you do have a look at the email, so before you click on the link where it says sign now, you will see a couple of attachments. And one of the attachment is an appendix, and that's basically where the research material and stuff goes as well. And in that appendix, there is investment links through the investments I touched on now as well. So if it is that you wanted to go and read up on them a bit more as well, all the information is there for you. Any questions so far? Yep. No. No. That's pretty straightforward. None.","start_word":2243,"end_word":2362,"sentiment":"neutral","sentiment_score":0.11539553105831146},{"text":"Yeah. Perfect.","start_word":2363,"end_word":2364,"sentiment":"positive","sentiment_score":0.5040351152420044},{"text":"Now the other thing I have included there for you is just some general information in regards to the beneficiary forms as well. If we wanted to nominate that legal personal representative, just some general information for you on how that all works as well as well as just some general information in regards through setting up a a will and making a nomination as a power of attorney.","start_word":2365,"end_word":2433,"sentiment":"neutral","sentiment_score":0.30512940883636475},{"text":"It is something I always recommend everyone to have a look at. So there's just some general information in regards to that for you as well.","start_word":2434,"end_word":2459,"sentiment":"positive","sentiment_score":0.395460844039917},{"text":"Yep. And the last thing is just when it comes to the remuneration side, so there is no changes whatsoever in regards to the advice fee.","start_word":2460,"end_word":2485,"sentiment":"neutral","sentiment_score":0.25802645087242126},{"text":"It stays exactly the same at 1.65. So if you are happy to go ahead with the recommendation today to make a couple of those investments, which is there is no additional fees or charges at all. It is just all part of that ongoing service for you.","start_word":2486,"end_word":2533,"sentiment":"positive","sentiment_score":0.500801682472229},{"text":"Yep. Yep.","start_word":2534,"end_word":2535,"sentiment":"neutral","sentiment_score":0.22301439940929413},{"text":"Perfect.","start_word":2536,"end_word":2536,"sentiment":"positive","sentiment_score":0.4647322297096253},{"text":"Now do you have any questions for me at this point otherwise? No. Not really. That's it's Nope. all pretty straightforward for now. Yeah. Yeah.","start_word":2537,"end_word":2561,"sentiment":"neutral","sentiment_score":0.09471340477466585},{"text":"Perfect.","start_word":2562,"end_word":2562,"sentiment":"positive","sentiment_score":0.4373883306980133},{"text":"So, basically, from here is obviously, when you have a moment, have a look through the document.","start_word":2563,"end_word":2579,"sentiment":"neutral","sentiment_score":0.3116630017757416},{"text":"Any questions, just let me know, and we can always book in for another catch up. Otherwise, if you do have a read through it and you are happy to go ahead with the recommendation, you can just click on the link where it says sign now, and complete that.","start_word":2580,"end_word":2629,"sentiment":"positive","sentiment_score":0.4443881809711456},{"text":"And then once you've finished it, it will actually send it back to me.","start_word":2630,"end_word":2643,"sentiment":"neutral","sentiment_score":0.3077293634414673},{"text":"And then that tells me that you're happy with the recommendation, and I can let the team know to go ahead and authorize that change for you.","start_word":2644,"end_word":2670,"sentiment":"positive","sentiment_score":0.48773619532585144},{"text":"Okay.","start_word":2671,"end_word":2671,"sentiment":"neutral","sentiment_score":0.2896130681037903},{"text":"No worries. Yep. Perfect. Well, I will let you go, Yep. and enjoy the rest of your afternoon or or work.","start_word":2672,"end_word":2692,"sentiment":"positive","sentiment_score":0.5774756669998169},{"text":"And if there's anything else that you need, Matthew, at any point in time, you know, don't hesitate to give me a call.","start_word":2693,"end_word":2715,"sentiment":"neutral","sentiment_score":0.2546766400337219},{"text":"Okay. Thank you very much. No problem at all. Look forward to speaking with you soon again. Thank you. Thanks. Bye.","start_word":2716,"end_word":2736,"sentiment":"positive","sentiment_score":0.721439003944397},{"text":"Bye.","start_word":2737,"end_word":2737,"sentiment":"neutral","sentiment_score":0.33288079500198364}],"average":{"sentiment":"neutral","sentiment_score":0.17075631400536218}}}}